Heaton Law Firm

Cecil W. Heaton
2 East 11th St., Ste 112
Edmond, OK 73034

Call: 405 330-8184
Fax: 405 330-8183
Email: eMail Us

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Chapter 13 Bankruptcy

You may be in desperate need of debt relief to regain stability, but you are worried that you make too much money to qualify.

You may have heard that bankruptcy is difficult to file for, or that it is an option of last resort for people with nothing to lose. In reality, personal bankruptcy is often the best solution if you have substantial assets and income.

As an Oklahoma City Chapter 13 bankruptcy lawyer, we will thoroughly review your financial situation and explore your options.

If you are feeling overwhelmed by debt and are searching for relief, we can help. Call 405-330-8183 for a free initial consultation.

Thank you again for all you have done for us! We hope you amd your family have a wonderful Thanksgiving.

Laura & Robert    

 Make Bills Manageable Again and Avoid Home Foreclosure.

Chapter 13 is different from what most people think of as bankruptcy.
It is often thought of as “wage earner,” or “reorganization” bankruptcy
because it sets up a repayment plan that is based on what you can
afford. If you have a regular source of income, but too much debt, this
may be a viable option for you.

At the Heaton Law Firm, we can explain how Chapter 13 bankruptcy can benefit you and how it can enable you to:

  • Get out from under most of a large credit card debt burden: This allows you to use your income to pay other bills, such as a mortgage.
  • Prevent or delay foreclosure on your home: We can help you develop a plan that may enable you to catch up on mortgage payments.
  • Pay priority debts, such as child support and back taxes: You can do this over time, on a manageable schedule, without the pressure of possible wage garnishment or criminal penalties.
  • Avoid draining important assets: We can show you how you can protect nest eggs, such as qualified retirement accounts.

We will work hard to help you get a new financial start, free from the stress and crushing weight of insurmountable debt. We Can Help!

We Will Help You Explore All of Your Options

Chapter 13 is not the right choice for everyone. Filing for Chapter 7
bankruptcy may be a better choice, depending on your situation. If your problems consist primarily of trying to keep up with mortgage payments, we will work with your lender to see if a mortgage modification may be in order, or if a deed in lieu of foreclosure might better suit your situation. In any case, there are options available for dealing with your debt so you can begin on a new path to a brighter financial future.

Serious financial problems can hit anyone, no matter how hard you work or how responsible you are about meeting your obligations. If you find yourself in debt due to medical problems, a bad home loan, divorce or for any other reason, help is available.


Payment Plans Available. Call 405 330-8184 today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.