At Your First Appointment

by Paul R. Tom Basic Bankruptcy Information, Myths and FAQs

Your initial consultation is free. We review your financial situation for you and explain exactly which debts are dischargeable and which are not. If you then choose not to file, we won’t charge you for the initial consultation (it’s free). If you choose to file, we’ll explain all of the costs involved and make sure you understand the process. After … Read More

Common Bankruptcy Terms

by Paul R. Tom Basic Bankruptcy Information, Myths and FAQs

The “Means Test” Here’s a simple explanation of how the means test, or whether or not your bankruptcy case will be allowed by the courts, works: If your family’s gross income is below Oklahoma’s published median income for your size of family, then the means test does not apply to you and your bankruptcy filing will not be challenged as a substantial … Read More