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STEP ONE: OBTAIN CREDIT COUNSELING FROM AN APPROVED NONPROFIT CREDIT COUNSELING AGENCY. UPON COMPLETION OF THE COUNSELING YOU WILL BE PROVIDED A CERTIFICATE OF COMPLETION.   THE LOCAL OFFICE OF CONSUMER CREDIT COUNSELING (CCS) OUT OF TULSA IS: (918) 744-5611.

STEP TWO. Call and make an appointment. We've available to take your calls Monday through Friday - 9:00 A.M. through 5:30 P.M.

STEP THREE. We will sit down with you to discuss your finances and give you options.  We do not charge for our first meeting with you - so the meeting is on us! If you are interested in a Chapter 13 - it is important that you drop by our office and pick up a Chapter 13 Client Questionnaire that includes a Budget - we need to know how much you presently earn as well as well as what you currently spend.

STEP FOUR. Provided that you otherwise qualify to file for bankruptcy we will prepare all of the necessary papers for filing with the Court house. Assuming you have all the required paperwork in place - we will file your case with the Bankruptcy Court as expeditiously as possible.

STEP FIVE. You will be asked to come to the courthouse and otherwise attend what is known as a "first meeting of creditors".   We will meet you at the courthouse and guide you through the meeting.

STEP SIX.  You may want to keep certain assets in a chapter 7 bankruptcy. Accordingly, we will prepare any and all "Reaffirmation Agreements" that you may need to sign.

STEP SEVEN. Prior to receiving your discharge - you will be required to attend a "Debtor Education Course" provided by a Debtor Education Provider. Debtor education and certification thereof are pre-requisites to a discharge.

STEP EIGHT.  In a Chapter 7 bankruptcy: you will receive a discharge of your debts approximately 3-4 months after you attended the above mentioned first meeting of creditors. In a Chapter 13 bankruptcy you will receive a discharge upon completion of all payments required by the Chapter 13 Plan.

[CHAPTER 7] [CHAPTER 13] [PROCEDURE] [INFO NEEDED]