Tulsa & Broken Arrow Chapter 13 Lawyer

If you’re facing foreclosure, overwhelmed by debt, or need time to catch up on payments, Chapter 13 bankruptcy may be your solution. At Eggert Law Firm, we help individuals and families across Tulsa use Chapter 13 to regain control of their finances, protect their homes, and move forward with a structured plan.

Bankruptcy is not failure. It’s a legal strategy designed to help people who have hit financial roadblocks. Chapter 13 for Oklahomans, specifically Tulsa and Broken Arrow where we carry expertise, is ideal for those who want to keep their assets while restructuring what they owe.

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is also known as a “wage earner’s plan.” It allows individuals with regular income to create a repayment plan to pay back all or part of their debts over a 3 to 5-year period. Unlike Chapter 7, which eliminates most debts quickly, Chapter 13 focuses on reorganization. You keep your assets and make manageable payments based on what you can afford.

If you’ve fallen behind on your mortgage, auto loan, or taxes, Chapter 13 gives you the breathing room to catch up while staying protected from creditors.

Who Should Consider Chapter 13?

Chapter 13 might be right for you if:

You’re behind on mortgage or car payments and want to avoid foreclosure or repossession
You earn too much to qualify for Chapter 7
You have assets you want to protect that aren’t exempt under Chapter 7
You owe tax debt, child support, or other non-dischargeable debts
You previously filed a Chapter 7 case and now need further protection

This path is especially helpful for homeowners and families with steady income but large unsecured debt loads. We will help you create a budget-friendly plan that fits your reality.

Benefits of Filing Chapter 13

Stops Foreclosure Immediately
Once your case is filed, foreclosure and repossession efforts stop. You’ll have time to catch up.
Protects Your Property
Chapter 13 allows you to keep assets that may have been at risk in Chapter 7.
Consolidates Debts Into One Monthly Payment
You pay a trustee once a month, who then distributes payments to creditors.
Protects Co-Signers
In many cases, your filing can also shield co-signers from collection actions.
Puts You in Control
You work out a plan that fits your budget. No more surprise collection calls or lawsuits.

How the Chapter 13 Process Works

Here’s what to expect when filing Chapter 13 in Oklahoma:

Consultation and Assessment
We review your debts, income, assets, and expenses to see if Chapter 13 is right for you.
Create a Repayment Plan
We prepare a plan that shows how you’ll pay off debts over the next 3 to 5 years. This plan must be approved by the bankruptcy court.
File Your Case
Once your case is filed, creditors are required to stop all collection efforts.
Trustee Review
A bankruptcy trustee reviews your plan and works with us to ensure it meets all requirements.
Meeting of Creditors
You attend a short meeting with the trustee. Creditors can attend but often don’t.
Court Confirmation
Your repayment plan must be confirmed by a judge. Once approved, you begin making payments.
Stay Current and Finish Strong
You make payments for 3 to 5 years. At the end of your plan, any remaining eligible debts are discharged.

Throughout this process, our team walks beside you. You’ll never wonder what’s next or feel like you’re handling it alone.

What Debts Are Included in Chapter 13?

Most debts can be included in a Chapter 13 repayment plan, including:

Mortgage arrears
Car loans
Credit card debt
Medical bills
Personal loans
Past-due taxes
Child support and alimony (though they must be paid in full)

Some debts may be paid in full, others only partially. At the end of your plan, many remaining unsecured debts are discharged.

What Happens to My House and Car?

Chapter 13 is designed to help you keep your home and car. If you’re behind on payments, the plan allows you to catch up over time without fear of foreclosure or repossession.

If you’re current on those payments, your plan will maintain them while you take care of other debts. Chapter 13 also lets you reduce certain debts, including car loan balances or high interest rates, in some cases.

What If I Can’t Finish My Plan?

Life happens. If something changes during your repayment period — a job loss, illness, or emergency — there are options.

We may be able to:

Modify your plan payments
Request a temporary suspension of payments
Convert your case to Chapter 7
In some cases, request a hardship discharge

You’re not locked into a plan without flexibility. Our role is to help adjust when life throws curveballs.

Common Chapter 13 Misunderstandings

Myth: It ruins your credit forever
Chapter 13 appears on your credit report for 7 years, but many people rebuild their credit while still in the plan. Some even qualify for car loans or mortgages during or soon after completing their plan.

Myth: You have to pay all your debts back
Not always. Many people pay back only a small portion of their unsecured debt. What you pay depends on income, expenses, and the value of your assets.

Myth: You’ll never be approved for a loan again
Lenders look at your whole financial picture. Completing a Chapter 13 plan shows responsibility and often improves your access to credit compared to struggling with collections.

Why Choose Eggert Law Firm?

Bankruptcy law is technical and paperwork-heavy, and your success depends on working with someone who knows both the law and the local court process. At Eggert Law Firm, you get:

Over 25 years of focused bankruptcy experience
A clear explanation of your rights and obligations
Strategic advice tailored to your real-life goals
Support throughout the entire 3 to 5-year process

We’re not a bankruptcy mill. We take time with each client and stand by our work. Whether you’re trying to save your house, protect your business, or get a handle on overwhelming debt, we are here to guide you.

Let’s Talk

There’s no risk in asking for help. The sooner you act, the more options you’ll have. We offer confidential consultations so you can explore Chapter 13 and other legal tools without pressure or judgment.

Let us help you create a realistic, court-approved plan to take back your financial life.

Eggert Law Firm
110 S Main St #202
Broken Arrow, OK 74012
Phone: (539) 252-9364

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