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Will You Lose Your Tax Refund If You File Chapter 7 Bankruptcy in Oklahoma?

by Luke Homen

Possibly. But only part of it, and only for one year. When you file Chapter 7 bankruptcy in Oklahoma, there is a good chance that the bankruptcy trustee will ask you to turn over a portion of your tax refund the following year. It comes as a surprise to people when they hear this. But […]

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Military Families and Co-Signed Debt: What Happens to a Spouse or Parent After a Chapter 7 Filing?

by Luke Homen

If a service member or veteran files Chapter 7 bankruptcy, the people who co-signed their loans do not get the same protection. The discharge wipes out the filer’s obligation. It does not erase the co-signers. The moment the bankruptcy case closes, creditors can turn their full attention to the spouse, parent, or family member who […]

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Western District of Oklahoma Local Rule Revisions: What Filers Should Watch

by Luke Homen

The Western District of Oklahoma Bankruptcy Court has adopted significant revisions to its local rules, effective January 15, 2026. If you’re filing bankruptcy in Oklahoma City, Norman, or anywhere in Western Oklahoma, you might be wondering how these changes affect your case. These updates are designed to make the bankruptcy process smoother and more efficient. […]

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Garnishments Near Fort Sill or Tinker AFB: How Quickly Bankruptcy Can Stop Wage Withholding

by Luke Homen

If you’re facing wage garnishment near Fort Sill or Tinker Air Force Base, try not to panic because there is a solution. Filing bankruptcy can stop most garnishments very quickly, sometimes before your next paycheck. This is because federal law creates an automatic protection that requires most creditors to stop taking money from your wages. […]

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What is the main purpose of Luke’s book, Choosing Bankruptcy?

by Luke Homen

Video Transcript The book is designed to provide answers, build confidence, and help individuals feel comfortable exploring the option of filing for bankruptcy. It aims to address common fears and misconceptions, empowering readers to make informed decisions about their financial situation. What is the biggest misconception that Luke aims to clear up regarding bankruptcy? One […]

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