bankruptcy kept human
2,200+ clients
helped
We can help you figure it out
Chapter 7 or 13
Small & still human
4.9 stars on Google
250+ Reviews
Bringing experience &
humanity to bankruptcy
At the Hanson & Hanson Law Firm, we believe the law should feel human. Since 2010, our Tulsa-based team has helped people face financial and legal challenges with compassion, clarity, and strength. Led by attorney Anna Hanson, we focus on listening first and crafting solutions that truly fit each client’s life. From guiding families through Chapter 7 and Chapter 13 bankruptcies to protecting against foreclosure, collection harassment, or repossession, we’re here to lift the weight and help you find your footing again. We know that real recovery is about more than closing a case, it’s about rebuilding confidence, stability, and hope. That’s why we also walk with clients through credit repair and financial recovery, ensuring every new beginning feels like a fresh start.
The method ❊
Listen
We start by listening. Your story matters, and our first job is to understand what’s most important to you so we can protect those parts of your life, today and for the future.
01Develop a plan
Every situation is different. You don’t need to know the ins and outs of bankruptcy law; that’s our job. We’ll sort through the details and create a plan that fits your life, not the other way around.
02Work fast
Once you decide bankruptcy is the right step, we act fast. Our goal is to guide you through the process and help you find relief as quickly as the law allows, walking with you every step of the way.
03The Law,
can work for you
Each bankruptcy has its own challenges, let’s work together to address them.
Personal Bankruptcy
Chapter 7 Bankruptcy
Chapter 7 can wipe out most unsecured debts, such as credit cards and medical bills. Some debts—like student loans and child support—cannot be discharged. In certain cases, non-essential assets may be sold to help repay creditors before the rest of your debt is cleared. To qualify, you must meet specific income eligibility requirements.
Chapter 13 Bankruptcy
Chapter 13 creates a 3- to 5-year repayment plan based on your income. It can be a good choice if you don’t qualify for Chapter 7, or if you need to catch up on missed mortgage payments, repay tax debt, or prefer to pay creditors over time to protect your property from liquidation.
No matter which path is right for you, our attorneys can explain your options and help you decide the best way to protect yourself, your family, or your business.
Because the bankruptcy rules are complex, it’s best to speak with an experienced bankruptcy attorney to understand whether Chapter 7 or Chapter 13 offers your best chance at relief. The initial consult is free.
Unsecured Debt (Credit cards, personal loans, medical bills and more)
If overwhelming credit card debt, payday loans, medical bills and collections has left you exhausted, you’re not alone. The good news is that these debts can be eliminated without repayment in bankruptcy (Chapter 7) or repaid without interest through income based repayment (Chapter 13).
Debt Settlement Companies (Proceed with Caution)
We strongly advise against using debt settlement companies. Many require you to make deposits into an account for years, all while your debts and interest continue to grow. Typically you will get sued by a creditor who has grown impatient and the debt settlement company will no longer be able to assist you.
Stop Repossession /Foreclosure/ Garnishment / collections
If your vehicle is at risk of being repossessed, your home foreclosed or your wages garnished, filing for bankruptcy will stop these efforts and give you time to regroup. The “automatic stay” in bankruptcy means no collection efforts are allowed once the case is filed.
Student Loans
While student loans are not automatically discharged in bankruptcy, they can be discharged through a special process called an Adversary Proceeding. An adversary proceeding can be filed after a bankruptcy is filed and we offer a free consultation to determine if you are a good candidate for discharging your student loans through this process.
Taxes
If you are behind on income taxes to the IRS or State, you may be able to discharge your income tax debt. It must meet certain requirements, like filing the tax return on time and no tax lien or tax warrant for that tax year.
Rebuild your credit
Bankruptcy gives you a clean slate by discharging your debts. You will be instantly more creditworthy based on the fact that your debt to income ratio will improve, nothing negative will be reporting to your credit and after just two years, bankruptcy will no longer prevent you from qualifying for a home loan.
How Long Does Bankruptcy Take?
Most bankruptcy cases in Oklahoma move more quickly than people expect. A straightforward Chapter 7 case in Tulsa, Oklahoma City, or anywhere in the state usually takes about four to six months from the time you file until debts are discharged. Chapter 13 cases last longer, since they involve a three- to five-year repayment plan, but you’ll feel immediate relief once your case is filed because of the “automatic stay,” which stops collections right away.
Step-by-Step Timeline
After your initial consultation, we’ll gather your financial records and complete the required credit counseling course. Once your petition is filed, you’ll attend a short meeting of creditors (called a 341 meeting) about 30–45 days later. Creditors rarely attend, and we’ll be right there with you. From there, a Chapter 7 discharge typically happens within a few months. In Chapter 13, the repayment plan is confirmed by the court within a few months of filing, and you’ll make affordable monthly payments until the plan is completed.
Serving All of Oklahoma
Our firm is licensed to handle bankruptcy cases in all three federal districts of Oklahoma—Northern (Tulsa), Eastern, and Western (Oklahoma City). No matter where you live in the state, we can file your case, represent you in court, and guide you through the process with the same level of care. Whether you’re in Tulsa, Oklahoma City, or a small town in between, we’re here to make the process clear, manageable, and focused on your fresh start.
Business Bankruptcy
Chapter 7: Business Liquidation
If your business has reached the point where continuing is no longer realistic, Chapter 7 bankruptcy may be the right option. This process allows you to liquidate your remaining business assets, repay creditors as much as possible, and formally close the business. While businesses do not receive a discharge under Chapter 7, this process does create a clear ending and can help resolve debts. If you personally guaranteed business loans, you may also need to consider a personal Chapter 7 filing.
Chapter 11: Business Reorganization
If your business still has potential but debt is holding you back, Chapter 11 bankruptcy may give you a path forward. Under Chapter 11, debts are reorganized—often consolidated into one manageable payment—so you can keep operating while working through repayment. This approach can allow you to keep important assets, like your workspace or essential equipment, though some assets may still need to be surrendered to reduce debt. Once Chapter 11 is filed, your business cannot take on new debt.
The Right Path for You
Every business is different, and deciding between liquidation and reorganization is a big decision. Speaking with a Tulsa bankruptcy attorney can help you understand your options and choose the best path for your future. The initial consult is free.
We may be a small firm, but that’s our strength. When you call, you talk directly to us, not layers of staff. We know your name, your story, and we care about helping you move forward. That personal connection is what makes all the difference in life’s hardest moments.
Anna Hanson - Lead Counsel
We are here with you.
Anna Hanson - Lawyer
Anna Hanson earned her Juris Doctor from the University of Arkansas School of Law, graduating cum laude and serving as a member of the Arkansas Law Review. During law school, she was awarded the Hispanic National Bar Foundation Public Interest Fellowship in 2009 and the University of Arkansas Public Interest Fellowship in 2008. Her article on immigration law and the U-visa was published in the Arkansas Law Review in May 2010 (63 Ark. L. Rev. 177).
Anna has practiced law with Hanson & Hanson since 2010, bringing both her academic excellence and her deep commitment to public service into her work. She believes in treating every client with compassion, respect, and determination—helping people navigate some of the most difficult moments of their lives with clarity and dignity.
What People Are Saying
“Anna HANSON IS THE BEST!!! Anna consulted me through this bankruptcy process which helped me understand. She truly was a blessing for me and my future. I’m so thankful and grateful to have her as my Attorney. 💯”
— Lisa (google reviews)
“Anna was great, always responds when I had questions. Works fast and efficient. Made this process very easy. I appreciate her and all her help. Would definitely recommend her to everyone. Thank you Anna”
— Joey (google reviews)
“Anna made this as less of a confusing process as she possibly could. She was always very thorough and very patient with our questions. Her services were exceptional and we are very thankful that we found her. I would highly recommend her to anyone that may be going through this now.”
— Joanna (google reviews)
Start for free,
let’s talk about your situation
Your first conversation with us is always free. Most consultations take about 30 minutes, and we’ll find a time that works for you, often right away. Just give us a call during office hours at (918)409-0634 get you scheduled, or shoot us an email at info@thehansonlawfirm.com