Tulsa Chapter 7 Bankruptcy Attorney
If you're losing sleep over debt you can't pay, you are not alone — and you have more protection under the law than you think. Garrett Law helps Tulsa families wipe out overwhelming debt, stop wage garnishment, and start over through Chapter 7 bankruptcy. Mitchell Garrett is a Marine Corps veteran and a Super Lawyer who treats every client with dignity. Your first consultation is free.
Stop Wage Garnishment, Foreclosure, and Creditor Harassment Today
The moment your Chapter 7 case is filed, federal law puts an "automatic stay" in place. That stay legally forces most creditors to stop — immediately. No more wage garnishment eating your paycheck. No more collection calls. No more lawsuits, repossession threats, or foreclosure proceedings moving forward. For most people, that first night of quiet is the first real relief they've felt in months. If you're being garnished right now, time matters — call us today.
Is Chapter 7 Right for You?
Chapter 7 is the fastest, cleanest form of bankruptcy for individuals and families whose income can't keep up with their debt. Whether you qualify depends largely on a "means test" that compares your household income to the Oklahoma median. Most people who are struggling to pay basic bills qualify. We'll run that test with you at your free consultation and tell you honestly whether Chapter 7, Chapter 13, or another path fits your situation — no pressure, no sales pitch.
What Debts Can Chapter 7 Wipe Out?
Chapter 7 eliminates most unsecured debt, including credit cards, medical bills, personal loans, payday loans, past-due utility bills, and many court judgments. Some debts generally survive bankruptcy — most student loans, recent income taxes, child support, and alimony. The good news: for the vast majority of our clients, the debts crushing them every month are exactly the kind Chapter 7 erases. We'll review your full debt picture and tell you precisely what would be discharged.
Will I Lose My Home or Car? Oklahoma Bankruptcy Exemptions
This is the fear that keeps people from filing — and it's usually unfounded. Oklahoma has some of the most generous bankruptcy exemptions in the country. Oklahoma's homestead exemption protects the full value of your home (subject to acreage limits), and state law also protects your vehicle, household goods and furnishings, tools of your trade, and retirement accounts. The overwhelming majority of Chapter 7 cases are "no-asset" cases, meaning you keep everything you own. We map all of this out with you before we ever file, so there are zero surprises.
How to File Chapter 7 in Oklahoma — The Process
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Free Consultation — We review your income, debts, and assets and confirm whether Chapter 7 is your best option.
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Credit Counseling & Documents — You complete a short required credit counseling course and we assemble your petition.
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Filing (and Instant Relief) — We file your case. The automatic stay takes effect immediately, stopping garnishment and collections.
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Meeting of Creditors — You attend one brief meeting with the trustee, often by video, with your attorney beside you. Most creditors never show up.
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Discharge — You complete a second short course, and your qualifying debt is legally erased. Most cases finish in about three to four months.
Why Garrett Law
You have options for a bankruptcy attorney in Tulsa. Here's what sets Garrett Law apart: Mitchell Garrett is a Marine Corps veteran who brings the same discipline and fight to your case. He is recognized as a Super Lawyer year after year and is respected across the Oklahoma bar. Most importantly, our clients consistently tell us they were treated with respect and kept informed at every step — because financial hardship is hard enough without a lawyer who makes you feel small. We handle the entire process so you can focus on moving forward.
Affordable Relief — Payment Plans Available
We know that if you could easily write a large check, you probably wouldn't be considering bankruptcy. The cost of a Chapter 7 case includes our attorney fee, a court filing fee set by the bankruptcy court, and a small required credit counseling fee. To make relief reachable, Garrett Law offers payment plans so you can get started without paying everything at once. Call us and we'll walk you through exactly what your case would cost — no obligation.
Frequently Asked Questions
How much does it cost to file Chapter 7 in Tulsa?
The total cost includes our attorney fee, a court filing fee set by the bankruptcy court, and a small required credit counseling course. Garrett Law offers payment plans so you can begin without paying the full amount up front. Call (918) 221-6190 for a free, no-obligation breakdown of what your specific case would cost.
How long does Chapter 7 take?
Most Chapter 7 cases are completed in about three to four months from the date of filing to the date your debts are discharged.
Will filing bankruptcy stop my wage garnishment?
Yes. The moment your case is filed, the automatic stay legally requires most creditors to stop wage garnishment, collection calls, and lawsuits. If you are being garnished right now, contact us today — the sooner we file, the sooner it stops.
Can I keep my home and car if I file Chapter 7 in Oklahoma?
Usually, yes. Oklahoma's exemptions are among the most generous in the nation and protect your home, vehicle, household belongings, and retirement accounts. Most of our clients keep everything they own. Whether you keep a financed home or car also depends on staying current on those loans, which we review with you before filing.
How long does Chapter 7 stay on my credit report?
A Chapter 7 can remain on your credit report for up to ten years, but many people see their credit begin to recover within a year or two once the overwhelming debt is gone and they can pay current bills on time.
Do I have to go to court?
Most Chapter 7 filers never appear before a judge. You attend one short meeting with the bankruptcy trustee — frequently by video or phone — and your attorney is with you the entire time.
What's the difference between Chapter 7 and Chapter 13?
Chapter 7 erases qualifying debt quickly with no repayment plan. Chapter 13 reorganizes your debt into a three-to-five-year repayment plan and is typically used when your income is too high for Chapter 7 or you need to catch up on a mortgage. We help you choose the right one for your situation.
Garrett Law is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.