Luke Homen Law, PLLC

I offer a free in-person consultation, which usually lasts about an hour. In order to file a bankruptcy case, I will need several documents from you, such as pay stubs, tax returns, car titles, and bank statements. I will send a detailed list before our initial meeting. I always recommend that you bring these documents to the initial meeting, if possible. However, I do not require it — you can always bring those later. At our meeting we will discuss what options are available (and which I recommend for that person). If we decide to proceed with a bankruptcy, I will the rest of your documents, and I will need you to take a special "bankruptcy credit counseling class." This can be done online or over the phone, and I will give you more information about it. Unfortunately, bankruptcy attorneys cannot —by law— accept any fees from you after filing the case, so I will need to be paid in full before we can file. We can discuss payment options and strategies in our meeting. We will then meet one more time to review all the court documents that I prepared, to make sure that everything is true, correct, and complete. Once you sign and approve the documents, I can file them electronically with the courthouse the same day!

I am a licensed attorney in both Oklahoma and California. I am originally from California and began practicing law there in 2008, but moved to Oklahoma in 2014. After moving here, I was admitted to practice in federal court in Oklahoma City (where bankruptcy cases are filed), and I also took and passed the Oklahoma Bar Exam. I am also licensed as a real estate broker with the Oklahoma Real Estate Commission. I am a member of the Bankruptcy Section of the Oklahoma County Bar Association, and regularly attend meetings to continue to learn more about bankruptcy.

I charge a flat fee for my services.  In addition, there will be court costs.  I will quote a price for each customer depending on the complexity of the case.

I work with individuals, primarily those facing financial hardships. I have helped clients of every income level file for bankruptcy protection — I've helped clients on a fixed income or earning minimum wage, as well as former business owners with over a million dollars of debt. I don't represent large corporations filing for bankruptcy.

Ask the attorney how much personal attention he or she gives to each case. Do they only handle meetings and court appearances? Do they assign most of your case to a secretary or paralegal? Ask the attorney whether filing bankruptcy is your only option, and what other options look like. Should you sell your house instead? Would a short sale be a better option. If you are considering a Chapter 13 bankruptcy, ask the attorney what he or she thinks your approximate monthly payment will be. If the attorney can't give you an estimate by the end of the meeting, then they probably don't understand bankruptcy as well as they should.

Always talk to an attorney, and sooner than later. The earlier you start talking about your financial problems, the more options you will have available to you.