Oklahoma City · 33 Years of Practice
There is life after debt.
Garnishments, foreclosure notices, calls that never stop — none of it is permanent. David Roberts has guided Oklahoma families to a fresh start for 33 years, and the first conversation is always free.
30-second check
Could Chapter 7 wipe out your debt?
The day we file, the calls stop.
Filing bankruptcy triggers the automatic stay — a federal court order that immediately halts nearly every collection action against you. Not eventually. That day.
- ■ Wage garnishments
- ■ Foreclosure sales
- ■ Vehicle repossession
- ■ Collection lawsuits
- ■ Creditor calls & letters
- ■ Bank account levies
Your options
Two proven paths out of debt
The right chapter depends on your income, your home, and what you want to protect. Our guided case review points you to the likely fit in minutes — David confirms it in person.
The fresh start
Chapter 7 Bankruptcy
Eliminates most unsecured debt — credit cards, medical bills, personal loans — in about three to five months. Oklahoma’s exemptions let most filers keep their home, vehicle, and belongings.
- ✓Debt relief in roughly 3–5 months
- ✓Most unsecured debts fully discharged
- ✓No repayment plan
- ✓Creditor calls and garnishments stop at filing
The home saver
Chapter 13 Bankruptcy
Reorganizes your debt into one court-protected monthly payment over three to five years. The strongest tool for stopping foreclosure and catching up on a mortgage.
- ✓Keep your home and stop foreclosure
- ✓One affordable, court-approved payment
- ✓Protects co-signers on consumer debts
- ✓Catch up on mortgage or car arrears over time
Also practicing estate planning, wills & trusts.
Simple by design
From first click to fresh start
Tell us your situation
Our AI-guided case review asks the right questions in plain English — about 5 minutes, from your phone, day or night.
David reviews it personally
Not a paralegal, not a call center. The attorney who will handle your case reads every intake.
Free consultation
A straight-talk meeting: which chapter, what you keep, what it costs, and what happens when.
We file — relief begins
The automatic stay takes effect the day of filing. Track every milestone in your client portal.
The myth, busted
Bankruptcy doesn’t mean losing everything.
Oklahoma has some of the strongest exemption laws in the country. In most Chapter 7 cases David files, clients keep their home, their car, and everything in the house.
See what Oklahoma law protects →Your home (homestead)
Unlimited value for your principal residence — up to 1 acre in a city or 160 acres rural. (Limited to $5,000 if more than 25% of the property is used for business.)
Vehicle
Up to $7,500 of equity in a motor vehicle, per person.
Household goods & furnishings
All household and kitchen furniture, and personal belongings held for family use.
Retirement accounts
401(k)s, IRAs, pensions and most other qualified retirement plans are fully protected.
Wages
75% of wages earned in the 90 days before filing (more in hardship cases).
Tools of your trade
Up to $10,000 in implements, books and tools used in your trade or profession.
Straight answers
The questions everyone asks first
What is the difference between Chapter 7 and Chapter 13 bankruptcy?+
Chapter 7 is liquidation bankruptcy: most unsecured debts are discharged within about 3–5 months, and Oklahoma’s exemptions let most filers keep their property. Chapter 13 reorganizes your debt into a 3–5 year repayment plan — it’s the stronger option when you need to stop a foreclosure or catch up on a mortgage or car loan.
Do I earn too much to file Chapter 7?+
That’s what the means test determines: if your household income is below Oklahoma’s median for your household size, you generally qualify. Above it, allowed expenses are deducted first — many people still pass. Our free online calculator gives you an instant estimate.
Will bankruptcy ruin my credit?+
Bankruptcy affects your score initially, but most filers’ credit was already suffering from missed payments and high balances. Eliminating the debt often lets scores recover within 1–2 years, and many clients qualify for car loans and even mortgages within a few years of discharge.
The hardest part is starting.
Five minutes online, or one phone call. Either way, you’ll know where you stand — free, confidential, no obligation.