If you have been ordered to appear for an asset hearing after a creditor obtained a judgment against you, you may be wondering whether filing bankruptcy will stop the hearing. In many cases, the answer is yes. One of the most powerful protections provided by the Bankruptcy Code is the automatic stay, which generally stops most collection activities immediately upon…
Filing for bankruptcy in Oklahoma can provide a powerful financial reset, but it is not free. The total cost depends on several factors, including the type of bankruptcy you file, whether you hire an attorney, and the complexity of your case. Understanding these costs upfront can help you make an informed decision about your options. The Required Court Filing Fees…
Chapter 7 bankruptcy is one of several types of bankruptcy available in Oklahoma. When financial stress becomes too much to handle, bankruptcy may provide a way forward. Chapter 7 bankruptcy, sometimes called a “fresh start” or “liquidation” bankruptcy, is one of the most common options. But how do you know if this is the right option for you? What Is…
Keeping some credit cards in a Chapter 7 bankruptcy is a common interest when considering bankruptcy. Filing for Chapter 7 bankruptcy offers individuals a chance to discharge most of their unsecured debts and gain a fresh start. However, it’s important to understand how this affects your credit cards and whether you can keep any of them. Typically, filing for Chapter…
Whether an estate administrator can file for bankruptcy for a decedent is a common question. In Oklahoma, the role of the estate administrator (or executor) is to handle the decedent’s financial affairs according to probate law, but filing for bankruptcy on behalf of the deceased raises important legal questions. We will cover the basics here regarding the rights of an…
Bankruptcy Avoids Foreclosure in certain situation but there are conditions that must be met. Most people experience real financial uncertainty or hardship at least once in their life. Filing a chapter 7 or chapter 13 bankruptcy can help individuals manage these challenges and recover from financial hardship. Oklahoma Bankruptcy protections can allow an individual just like you to get a…
In Oklahoma there are certain Disqualifications For Filing Bankruptcy. The first place to start is dependent on whether a person is filing a chapter 7 or a chapter 13 bankruptcy. Because the things that disqualify a person are similar between each type and chapter 7 is much more popular among bankruptcy types this article explores disqualifications for filing chapter 7…
It is possible to file for bankruptcy during a divorce, but requires consideration of the effects on the divorce process. Divorce and bankruptcy are both significant life events, and when they occur simultaneously, they can complicate financial and legal matters. Whether filing for bankruptcy during a divorce is the best course of action will depend on individual circumstances. Types of…
How long you must wait to get a loan after filing bankruptcy depends on several factors, including the type of bankruptcy you filed, the kind of loan you are seeking, and your efforts to rebuild your credit. Filing for bankruptcy can significantly impact your ability to obtain credit, but it doesn’t mean you’ll be unable to get a loan forever….
If you are headed for bankruptcy there are certain clues along the way. Deciding whether to file for bankruptcy is a serious matter that requires a lot of thought. If you’re considering this step, consider whether the benefits of bankruptcy will outweigh the negative impacts that filing may have. It is also important to take an objective look at your…
Prebankruptcy planning is a process you should consider if you’re facing significant financial troubles and thinking about declaring bankruptcy. It involves organizing your financial affairs to make the bankruptcy process as smooth and beneficial as possible. This planning allows you to review your financial situation, determine what assets you might be able to protect, and make strategic decisions about handling…
Filing for bankruptcy is a major step that carries with it many questions and concerns, one of the most common being whether you will lose the equity in your home. If you live in Oklahoma and are considering bankruptcy, it’s important to understand how your home equity is treated under the law. Understanding Home Equity First, let’s define what equity…
Liquidation in a Chapter 7 Bankruptcy may seem like a scary thing, but it doesn’t need to be. If you’re considering filing for bankruptcy, you may have a lot of concerns about the process. Chapter 7 bankruptcy, often referred to as a “liquidation” bankruptcy, is designed to help you deal with overwhelming debt. Essentially, it allows you to wipe out…
If you’re looking to get rid of debt, you might be wondering what documents you need in a Chapter 7 bankruptcy? Filing for Chapter 7 bankruptcy in Oklahoma requires many steps, making it a somewhat tedious process. However, it’s not impossible, and can actually be very easy once you know the requirements. Understanding the documents you need will make all…
One common question people have when they’re filing bankruptcy in Oklahoma: Do I Get to Keep My House and Car if I File Bankruptcy in Oklahoma? In Oklahoma, the laws regarding bankruptcy allow exemptions of certain assets. Exemptions in bankruptcy allow you to keep many of your assets when you file. This article will cover the options available under both…
When suffering from an overwhelming amount of debt, many begin to consider filing for bankruptcy. It’s a legal way to handle financial problems when put in a situation where you can no longer pay back money you owe to creditors by helping you clear or manage debts under the protection of a federal court. Most bankruptcy options in the United…
When you’re struggling with debt, creditor harassment can be a significant source of stress. This is where the concept of an “automatic stay” comes into play. An automatic stay is a powerful feature of filing for bankruptcy that offers immediate relief to debtors just like you. Let’s delve into what it means, how it works, and its implications on creditor…
There are Tax Consequences Of Discharging Debt. It centers around if its discharged in a bankruptcy or outright written off by the creditor. It also centers around the kind of bankruptcy you filed. This is because a chapter 7 forgives the debt outright while a chapter 13 does not. Below, we’ll explore this critical issue to help you make an…
Filing for business bankruptcy is a significant undertaking. Before you can benefit from the protections that the bankruptcy process affords, you’ll need to decide whether to file for Chapter 7 bankruptcy or Chapter 11 bankruptcy. A Chapter 7 liquidation, in most cases, will result in the winding down of a business. “Winding down” is a bankruptcy term for finishing final…
If an Oklahoma bank closes your account over money they claim you owe them you might have some option. Facing a closed bank account can be a stressful and confusing experience, especially if it occurs without prior warning. If you find yourself in this situation, it’s important to understand that banks have various reasons for closing accounts. Some reasons might…
Understanding Defenses To Piercing The Corporate Veil in a business relationship are critical to protecting you from potential liability. The corporate veil is a legal concept that separates the actions and liabilities of a corporation from those of its shareholders, officers, and directors. It is a tool that protects you from financial risk that’s taken on solely by your business….
As you explore the option of debt consolidation to simplify and manage your debts, it’s important to be vigilant against potential debt consolidation scams. This process involves combining your various debts into a single payment, which can be done through a personal loan, balance transfer to a low-interest credit card, or even a debt management plan. While this sounds promising,…
If you are retiring with debt and you live in Oklahoma bankruptcy may help you get out from the despair of crushing debt. Financial management in retirement can be challenging, especially when debt becomes overwhelming. Bankruptcy may seem like a drastic measure, but for some retirees, it could be a necessary step towards financial stability. Bankruptcy is a legal measure…
Yes, you can file for bankruptcy in Oklahoma if you lose your job and are facing financial difficulties. Bankruptcy is a legal process that allows individuals and businesses to eliminate or restructure their debts when they are unable to meet their financial obligations. Losing your job can certainly be a significant factor contributing to financial distress and may be a…
In Oklahoma, you can access court records through various means, including online databases and by visiting the courthouse in person. Over the years the systems available for on line record searches has improved drastically. Used to be that available on line searches were nonexistent or otherwise nearly impossible to use. Technology has made access available for all sorts of legal…
The benefits of reaffirmation agreements in bankruptcy almost always outweigh any cons. The idea of going through bankruptcy, for many people, leads them to believe that they will have to give up all their assets. They may wonder about the assets that have great value in their lives, like the vehicle they use to get to work or the home…
Business assets in a chapter 7 may not receive protection. It often depends on the value of the assets and many other factors. If you work for yourself, you know that losing the tools and materials you need to do your work means losing your job. When serious financial trouble hits, and you can’t pay all your bills, you might…
Wondering about what filing a chapter 7 does to your apartment lease in bankruptcy is only natural. Filing for bankruptcy can be a challenging process. It often raises concerns about how it will affect various aspects of one’s financial life. If you live Oklahoma and are considering bankruptcy, it’s important to understand how this decision might impact your residential lease….
Old medical debt on a credit report can hurt you and filing bankruptcy in Oklahoma can be helpful. When it comes to credit scores, medical debt can play a significant role if it is not addressed promptly. The process of understanding how medical debt impacts your credit score and exploring bankruptcy as a potential solution can be complex and daunting….
How long bankruptcy takes in Oklahoma depends on which kind of bankruptcy you file. There are many myths about what happens, how long it takes, what things you get to keep, and what you must give up. We want to help you understand the process before you decide if it is right for you. One common issue we address is…
Intentional injury claims in Oklahoma are usually not forgivable in bankruptcy. It’s not uncommon for people to turn to bankruptcy for relief. But if you’re considering this path, you might be wondering, “Can I discharge willful and malicious injury claims in bankruptcy?” This is a complex question that requires a nuanced understanding of bankruptcy laws. Below, we’ll unravel the details…
An adversary proceedings In Oklahoma bankruptcy involves an objection to the discharge of a debt. They can file these in most kinds of bankruptcy. The most common filing of adversary proceedings are in chapter 7 and chapter 13 cases. As someone facing bankruptcy, understanding the intricacies of the bankruptcy process is of utmost importance. One particular area that might seem…
If your spouse files bankruptcy without you its possible for you to keep your tax return. One partner in a marriage can file bankruptcy individually without involving the other directly in the process. Although this is common there are still some issues that may overlap in bankruptcy filings for many married couples. The bankruptcy filing can be in the name…
In difficult financial times, when income is not keeping up with expenses, you may consider filing for bankruptcy. However, you may wonder whether you will lose your social security benefits if you file for bankruptcy. Social security benefits are exempt assets protected from being drawn on in bankruptcy to pay creditors. Also, the federal process of bankruptcy has strong protections…
In Oklahoma, home equity in bankruptcy is largely exempt form the creditors and the court. Homeowners considering bankruptcy often wonder whether having equity in their home will cause a problem with an Oklahoma bankruptcy filing. Its a good question given that in many other states the equity in your home is limited in the amount you can have. Oklahoma is…
Its possible to buy a house after filing bankruptcy in Oklahoma. If you’ve had to file for bankruptcy, it’s because you experienced financial hardship. This financial hardship likely resulted in a low credit score. The combination of economic hardship and a low credit score makes buying a home difficult, but it’s not impossible. Its not uncommon for people to wonder…
Bankruptcy rules ending creditor harassment in Oklahoma protect consumers from predatory lenders. Creditor harassment is a significant issue for the Federal Trade Commission and other federal agencies that safeguard people’s rights. They receive countless complaints about companies who are relentless in their calls, emails, and texts about collecting on debts. Due to these complaints and the continual harassment of some…
With the post pandemic economy many people expect an Increase In bankruptcy cases in Oklahoma this year. Many people live paycheck to paycheck and struggle to make ends meet. With increasing inflation and a limited number of jobs, many people are worried about a potential increase in the number of bankruptcies likely to occur in 2023. Some people will deplete…
In Oklahoma filing bankruptcy on child support is not an option. Bankruptcy is a debt management tool often utilized by individuals and businesses experiencing financial hardship. This usually means you cannot reliably pay your debts. Bankruptcy provides an opportunity to get out from under the weight of overwhelming debt. This is done by eliminating past due unsecured debt by filing…
You cannot be Fired For Filing Bankruptcy in Oklahoma. The State and Federal government provide certain protection for people filing chapter 7 or chapter 13. If you’re considering filing for bankruptcy, you probably have endless questions about your future. One of the main questions may be about keeping your current job or being able to find another job in the…
As a senior, you may encounter large unexpected medical bills and feel like you may have to file bankruptcy to manage the daily collection calls and the amount of debt you have acquired. This can be compounded by a fixed income or that family members are their best means of support. The frustrating part behind bankruptcy and senior citizens is…
A statute of limitations on debt limits for how long a debt can hang out there over your head. Are you being inundated with phone calls from debt collection agencies looking for the repayment of debt? Before you make an offer to them to repay some of your old debt, it is crucial to determine how old the debt is….
In Oklahoma you can discharge past debt in bankruptcy. This includes both a chapter 7 bankruptcy and a chapter 13. Bankruptcy may be an option to discharge or reorganize your debts. But only specific types of debt can be discharged through bankruptcy. As you consider filing for bankruptcy, make sure the kinds of debt you want to eliminate are qualified…
Generally you can not keep a credit card when you File Bankruptcy in Oklahoma. Are you considering the possibility of bankruptcy or currently in the bankruptcy process and wondering when you can build your credit again? Are you wondering if you can keep your credit cards? If your credit cards have outstanding balances, you can assume you will lose them….
Fair debt collection rules In Oklahoma apply to debt collectors both inside and outside the state. Federal and state laws limit creditors and collection agencies when collecting debts. Most states have enacted laws applicable to debt collection. Many are like the Fair Debt Collection Practices Act, while some are broader and apply to the original creditor. States also have laws…
Gambling winnings in bankruptcy carry real consequences. To file a Chapter 7 bankruptcy case, you must first establish your eligibility under federal bankruptcy law. Whether you qualify to file a Chapter 7 bankruptcy case primarily depends on the amount of your income. Federal bankruptcy law uses a tool known as the means test to review your income over six months…
The requirements for filing bankruptcy in Oklahoma are precise and must be met for you to be eligible to file. Bankruptcy is not something that you will want to enter blindly. It will likely require some foresight and planning. Because it can be a life-altering decision, you will want to educate yourself on the process and what some requirements for…
Social Security Income might impact your ability to file a bankruptcy in Oklahoma. If you face financial challenges, bankruptcy may be the solution you need to feel at ease again. However, pursuing bankruptcy might seem overwhelming. Filing for bankruptcy can entail figuring out confusing paperwork and dealing with detailed research about your options. When you decide to file for bankruptcy,…
in Oklahoma secured credit cards in bankruptcy are treated a little different than unsecured credit cards. Filing for bankruptcy is a tough decision, but it may have felt like your only option at that time. While bankruptcy allows you to start fresh, it can impact your credit and make moving forward somewhat challenging. But in some cases a bankruptcy could…
Wage Garnishment Options in Oklahoma include bankruptcy or repaying the debt. If you have been sued for an outstanding debt, chances are your creditors will be looking to get their money. They sometimes do this by taking it directly out of your pay. This is known as wage garnishment. Having your wages garnished can leave you in a situation where…
You do not need to default on debt before filing bankruptcy in Oklahoma. But, its important that you understand the process before moving forward with your case. You should not decide whether to stop paying your debt or default until you first speak with an experienced bankruptcy attorney near you. This is because not paying your debts can put you…
Spending before filing bankruptcy in Oklahoma is scrutinized by the bankruptcy trustee. This is even more true when the spending involves holiday gifts to friends and family members. The reason for this added scrutiny relates to what bankruptcy actually is and what its intended for. Bankruptcy in Oklahoma is a legal process where a person or company cannot repay their…
Filing bankruptcy on past rent is a solution for many renters in Oklahoma. As inflation continues to grip the economy and wages remain steady, many Americans have faced hard financial decisions. In these trying economic times, you may have fallen behind on your rent. As your bills mount, you may be searching for a way to obtain relief. Bankruptcy was…
Before Filing Bankruptcy in Oklahoma there are certain thing to avoid doing. People make snap decisions before filing and those things mean a lot. Falling behind on your bills or facing overwhelming debt can make you feel trapped. No matter how hard you try, you just can’t seem to keep your head above water. In such situations, many people turn…
An Oklahoma bankruptcy can be denied but its not something that happens in most cases. Bankruptcy offers an excellent option for many individuals struggling to pay off significant amounts of debt. However, you must qualify for bankruptcy, otherwise a court can refuse to discharge your debts. Additionally, certain actions that you may take could prevent a court from approving your…
Bankruptcy or debt settlement in Oklahoma is a choice many people struggle with. Bankruptcy and debt settlement are both options that an individual might consider when they are unable to meet their financial obligations. Struggling to pay off significant debt can cause a person to feel helpless and unable to take control of their life. If you are in this…
In many cases attorney fees in Oklahoma bankruptcy will be discharged. Lots of people experiencing financial hardship consider bankruptcy. They either file a Chapter 7 or chapter 13. When someone files a Chapter 7 bankruptcy they ultimately desire a discharge of their debts. A discharge is an order from the bankruptcy court that decrees you are no longer responsible for…
Common types of Bankruptcy in Oklahoma include chapter 7 and chapter 13. Bankruptcy is a federal law that protects people who find themselves in financial despair. The law is designed to help people escape financial hardships that plague them for a wide variety of reasons. Filing bankruptcy requires that the filer and their bankruptcy attorney provide a wide variety of…
Short Sale or Bankruptcy in Oklahoma is a dilemma people have when they’re are facing foreclosure and other overwhelming debts. A short sale gives struggling homeowners a chance to avoid foreclosure by surrendering their homes for less than they owe on the mortgage. Sometimes Lenders approve short sales and agree to forgive the mortgage balance remaining after the short sale…
Each year thousands of people and businesses in Oklahoma file bankruptcy. Avoiding Liens in Bankruptcy. This year, with the advent of the pandemic, more of us have felt the financial strain. From stay at home orders to quarantining many face financial difficulty made harder by the events of 2020. When you turn to bankruptcy, you should also think about getting…
Marijuana Dispensary Bankruptcy in Oklahoma is unsettled law. Bankruptcy has been around for many years and is woven into the fabric of our society. Used in good faith, bankruptcy is a tool which can be used to protect people and businesses who find themselves in financial trouble. Absent this protection, entrepreneurs could lose nearly everything even in the event of…
Bankruptcy Exemptions in Oklahoma protect your personal property from creditors and the Court. For many people, filing bankruptcy is a source of fear and stress. This isn’t unusual or silly given the financial hardship people find themselves in. When you file bankruptcy most people file either a chapter 7 or a chapter 13 case. Regardless of the chapter you file…
When we file your case most of your debts are forgiven in bankruptcy. Even if your paycheck is being garnished the garnishment stops and the debt is forgiven. Although this is welcome news there are still some kinds of debt you’ll have to continue paying. This is in addition to any secured debts, debts where you have pledged the asset…
Oklahoma Business Bankruptcy Due To Covid-19 are mounting at an alarming rate. Just seven (7) months ago the economic picture in Oklahoma was incredible. Businesses were thriving and unemployment numbers were low. Now businesses are facing a pandemic of global proportions. A majority of the country is under stay at home orders and businesses have been ordered closed to the…
Bankruptcy Service and Covid-19 is unaffected by the stay at home order in Oklahoma. During this time of uncertainty, we wanted to give you an update on how we’re dealing with COVID-19 and filing bankruptcy in our State. As you’re aware, COVID-19 carnivorous is affecting every aspect of our lives. Even our legal systems are not immune. Federal, State and…
Student loans in Oklahoma bankruptcy are one of the most frustrating aspects of modern life. In order to obtain the education you need for the career you want, you have to take on debt. Sadly, that doesn’t always work out. Employment fluctuates, life intervenes, and student loans go from being an annoyance to a full blown crisis. As bankruptcy attorneys,…
Cosigning For Debt and Bankruptcy helps get you off the hook for the debt once you file your chapter 7. If you or someone you co-sign for is considering bankruptcy, you’re probably wondering what happens to the debt. If you’re the one that co-signed for the debt its okay. If you’re filing a bankruptcy this doesn’t mean that the person…
In bankruptcy cases It’s uncommon for people to ask if I can file bankruptcy without a lawyer. It not common to file without a lawyer but it is possible. The difference between filing bankruptcy without a lawyer and other legal cases is that a bankruptcy case is governed by federal law not State law. By itself this doesn’t change whether…
Guns in Oklahoma Bankruptcy are yours to keep but you have to disclose them to claim the exemption. When we prepare a client’s bankruptcy paperwork, we ask them about their assets, the things they own. This includes checking and savings accounts, retirement funds and other personal property. Many clients get nervous when we ask them to list what firearms they…
Stopping garnishments in bankruptcy is easy. Wage garnishments can occur automatically. They happen when government agencies like the IRS or other creditors claim you owe them money. They can also occur as a result of a court order that one of your creditors secured against you. A wage garnishment summons is then issued to your employer. Either way, third parties…
In recent years, more and more Americans have found themselves weighed down by significant debt. Struggling to pay bills and living expenses, dodging harassing phone calls, and losing sleep over financial worries drives many individuals to consider bankruptcy. However, some people discover they are unable to file for Chapter 7 bankruptcy. This is because they don’t qualify under the strict…
Are you behind on paying your mortgage? Are you currently facing the possibility of filing for bankruptcy? Bankruptcy can help you keep your home and forgive your debts. If you’re an Oklahoma resident whose underwater in your home, contact our bankruptcy law office to speak with our foreclosure attorneys. You can get debt relief and possibly keep your home. It…
Are you receiving constant harrassment from credit collectors? Are credit collector using abusive language or threatening you with criminal charges for failing to pay an owed debt? Let our Oklahoma creditor harassment attorneys provide you with legal representation to end the harassment. Under federal bankruptcy laws, when you file for chapter 7 or chapter 13 bankruptcy in Oklahoma, an automatic stay enacts….
This is Part II of our two-installment blog post answering frequently asked questions about bankruptcy in Oklahoma. Part I of this blog provides more bankruptcy information so if you missed it you can view it here. We address many of the issues and questions by those with overwhelming by debt and consider filing bankruptcy Tulsa as an option. Our Tulsa Attorneys recognize that…
Filing bankruptcy can be overwhelming because it involves a mountain of paperwork. There are also many opportunities to make critical mistakes. These can result in continuing liability for dischargeable debts; unnecessary delays while a bankruptcy is amended; and even the dismissal of a bankruptcy that puts a debtor’s assets at-risk. Because most people struggling with debts have questions about their legal rights…
For those who do not meet the income-based requirements of filing for Chapter 7 bankruptcy, a Chapter 13 action may be a viable option for those dealing with a mounting debt crisis. Generally speaking, a Chapter 13 bankruptcy is often an ideal approach for people who wish to address their debt situation without losing their assets, such as their cars and…
Trying to save your home from foreclosure while having to deal with nagging creditors can create a lot of stress and anxiety. In particular this true for married couples with credit problems. With 50% of Oklahoma marriages ending in divorce, it well-known that financial issues are a leading reason for divorce. In fact, many couples trying to address debt problems sometimes…
If you re facing a financial crisis, its likely that you’re considering an Oklahoma bankruptcy. The question is filing bankruptcy right for me is a valid one. Filing for bankruptcy is sometimes viewed as complex process. You may be asking yourself, is filing bankruptcy right for me, and as such, hesitate to consider it as a way of improving your financial situation. If…
This blog post is the second installment in our two part blog post covering common chapter 7 bankruptcy questions. If you are drowning in debt and considering bankruptcy as a means to eliminate much of your unsecured debt, we recommend you review Part I of this blog post. While we’ve tried to address most of the common chapter 7 questions,…
Forgiving Back Taxes in Bankruptcy can help those people who’ve experienced Tax debt. The impact of being the target of the IRS harsh tax collection techniques can be devastating. There are organizations that are aggressive in enforcing unpaid obligations . . . and then there is the IRS. Sadly, many families that struggle financially in the face of wage assignments,…
Common Chapter 7 Bankruptcy Questions are centered around debt forgiveness. Chapter 7 Bankruptcy provides a means for you to forgive the vast majority of unsecured debts. This can make income available to you so that you can pay other monthly bills including mortgage and car payments. While filing a Chapter 7 Bankruptcy can provide enormous financial relief, you cant file unless…
Immigration and Bankruptcy in Oklahoma can go together. Bankruptcy relief is available for U.S. citizens, lawful permanent residents, and undocumented immigrants alike. Often undocumented immigrants choose not to seek relief under the U.S. Bankruptcy Code for one reason or another. However, in order to better decide whether bankruptcy is the best option, you should speak with an attorney familiar with…
The Oklahoma Bankruptcy Means Test helps you to know if you qualify. Many people who qualify don’t realize it and therefor don’t file. Several reasons may also explain this failure to file. This includes concerns about one’s ability to qualify for bankruptcy under the means test. The purpose of the means test is to force those that are above a certain…
Your credit score after bankruptcy is probably going to be better then you think. A great number of Oklahoman’s struggle for years paying minimum payments while interest and penalties mount. They often wonder about the impact on there credit score after bankruptcy. As your family falls further into debt, the family may make difficult financial sacrifices, surrender valuable assets and cope with…
Oklahoma has some of the most generous bankruptcy exemptions in the country. Our States bankruptcy exemptions allow Oklahomans, who are filing bankruptcy, to keep many of their personal assets. In particular Oklahoma allows you to keep the entiraty of your home without regard to its value. You must live in Oklahoma for two years proceeding the filing of your bankruptcy to use the…
In Oklahoma Bankruptcy Cases, you’re given an opportunity to protect certain assets by using bankruptcy exemptions. The most common exemptions are used for your home and your car. There’s several other bankruptcy exemptions available to people filing bankruptcy in Oklahoma. But for now this blog post will confine itself to the automobile exemption in Oklahoma You Don’t Lose Your Car, Its The…