Oklahoma

Oklahoma is a combination of southern state and western state with trees on the eastern side and open prairies on the western.Energy, transportation equipment, agriculture, and telecommunications form much of the state’s economy. Oklahoma is ranked #28 for population and #35 for population density.

As of 2018, over 10 million people called Oklahoma home. Oklahoma City is the largest city in Oklahoma.

Income

The median state income is $49,176. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 22.6% of Oklahoman children under 18 live in poverty. For residents overall, 16.3% of all people in Oklahoma live under the poverty level.

  • Median state income: $49,176
  • Minimum wage: $7.25/hour
  • Children in poverty: 22.6%
  • People in poverty: 16.3%

Homeowners

More than half (68.9%) of Oklahomans hold a mortgage. The median home price in Oklahoma is $119,400 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 68.9%
  • Median home price: $119,400

Employment

Oklahoma has a current employment rate of 4.0%. However, the underemployment rate is 9.2%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers Oklahoma debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 4.0% (2018)
  • Underemployment: 9.2% (2017)

Oklahoma Debt

Oklahomans carry a lot of debt. The average credit card debt is $8,059 (2018). The average student loan debt is $26,068. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Oklahomans to get into debt.

  • Avg credit card debt: $8,059 (2018)
  • Avg mortgage debt: $130,700 (2017)
  • Avg student loan debt: $26,068 (2017)

Oklahoma Statute of Limitations

Oklahoma’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For debts taken out in Oklahoma, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 3 years
  • Written contracts: 5 years
  • Promissory notes: 5 years
  • Credit cards and other revolving loans: 5 years

Oklahoma Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the wa” icon=”angle-double-right” icon_pos=”right” hovery to help.

Debt Collection Laws

Oklahomans are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. In addition, the Oklahoma Fair Debt Collection Practices Act (OFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Oklahoma.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Oklahoma Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Oklahoma Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Oklahoma Cities Served by Pacific Debt

Achille
Ada
Adair
Addington
Afton
Agra
Akins
Albion
Alderson
Alex
Aline
Allen
Altus
Alva
Amber
Ames
Amorita
Anadarko
Antlers
Apache
Arapaho
Arcadia
Ardmore
Arkoma
Armstrong
Arnett
Asher
Ashland
Atoka
Atwood
Avant
Avard
Ballou
Barnsdall
Bartlesville
Bearden
Beaver
Beggs
Belfonte
Bell
Bennington
Bernice
Bessie
Bethany
Bethel Acres
Big Cabin
Billings
Binger
Bixby
Blackburn
Blackwell
Blair
Blanchard
Bluejacket
Boise City
Bokchito
Bokoshe
Boley
Boswell
Bowlegs
Boynton
Bradley
Braggs
Braman
Bray
Breckenridge
Brent
Bridgeport
Briggs
Bristow
Broken Arrow
Broken Bow
Bromide
Brooksville
Brush Creek
Brushy
Buffalo
Bull Hollow
Burbank
Burlington
Burns Flat
Bushyhead
Butler
Byars
Byng
Byron
Cache
Caddo
Calera
Calumet
Calvin
Camargo
Cameron
Canadian
Caney
Canton
Canute
Capron
Cardin
Carlile
Carmen
Carnegie
Carney
Carrier
Carter
Cashion
Castle
Catoosa
Cayuga
Cedar Crest
Cedar Valley
Cement
Centrahoma
Central High
Chandler
Chattanooga
Checotah
Chelsea
Cherokee
Cherry Tree
Chewey
Cheyenne
Chickasha
Choctaw
Chouteau
Christie
Cimarron City
Claremore
Clayton
Clearview
Cleora
Cleo Springs
Cleveland
Clinton
Cloud Creek
Coalgate
Colbert
Colcord
Cole
Collinsville
Colony
Comanche
Commerce
Cooperton
Copan
Copeland
Corn
Cornish
Council Hill
Covington
Coweta
Cowlington
Coyle
Crescent
Cromwell
Crowder
Cushing
Custer City
Cyril
Dacoma
Davenport
Davidson
Davis
Deer Creek
Delaware
Del City
Dennis
Depew
Devol
Dewar
Dewey
Dibble
Dickson
Dill City
Disney
Dodge
Dotyville
Dougherty
Douglas
Dover
Dripping Springs
Drummond
Drumright
Dry Creek
Duchess Landing
Duncan
Durant
Dustin
Dwight Mission
Eakly
Earlsboro
East Duke
Edmond
Eldon
Eldorado
Elgin
Elk City
Elmer
Elmore City
El Reno
Empire City
Enid
Erick
Erin Springs
Etowah
Eufaula
Evening Shade
Fairfax
Fairfield
Fairland
Fairmont
Fair Oaks
Fairview
Fallis
Fanshawe
Fargo
Faxon
Fitzhugh
Fletcher
Flint Creek
Flute Springs
Foraker
Forest Park
Forgan
Fort Cobb
Fort Coffee
Fort Gibson
Fort Supply
Fort Towson
Foss
Foyil
Francis
Frederick
Freedom
Gage
Gans
Garber
Garvin
Gate
Geary
Gene Autry
Geronimo
Gerty
Glencoe
Glenpool
Goldsby
Goltry
Goodwell
Gore
Gotebo
Gould
Gracemont
Grainola
Grandfield
Grand Lake Towne
Granite
Grayson
Greasy
Greenfield
Gregory
Grove
Guthrie
Guymon
Haileyville
Hallett
Hall Park
Hammon
Hanna
Hardesty
Harrah
Hartshorne
Haskell
Hastings
Haworth
Headrick
Healdton
Heavener
Helena
Hendrix
Hennessey
Henryetta
Hickory
Hillsdale
Hinton
Hitchcock
Hitchita
Hobart
Hoffman
Holdenville
Hollis
Hollister
Hominy
Hooker
Hoot Owl
Horntown
Howe
Hugo
Hulbert
Hunter
Hydro
Idabel
Indiahoma
Indianola
Inola
Iron Post
Jamestown
Jay
Jefferson
Jenks
Jennings
Jet
Johnson
Jones
Justice
Kansas
Kaw City
Kellyville
Kemp
Kendrick
Kenefic
Keota
Ketchum
Keyes
Keys
Kiefer
Kildare
Kingfisher
Kingston
Kinta
Kiowa
Knowles
Konawa
Krebs
Kremlin
Lahoma
Lake Aluma
Lamar
Lambert
Lamont
Langley
Langston
Laverne
Lawrence Creek
Lawton
Leach
Leedey
Le Flore
Lehigh
Lenapah
Leon
Lexington
Liberty
Lima
Limestone
Lindsay
Loco
Locust Grove
Lone Grove
Lone Wolf
Long
Longdale
Longtown
Lookeba
Lost City
Lotsee
Loveland
Loyal
Luther
Lyons Switch
McAlester
McCord
McCurtain
McKey
McLoud
Macomb
Madill
Manchester
Mangum
Manitou
Mannford
Mannsville
Maramec
Marble City
Marble City Community
Marietta
Marland
Marlow
Marshall
Martha
Maryetta
Maud
May
Maysville
Mazie
Mead
Medford
Medicine Park
Meeker
Meno
Meridian
Meridian
Miami
Midwest City
Milburn
Mill Creek
Millerton
Minco
Moffett
Moore
Mooreland
Morris
Morrison
Mounds
Mountain Park
Mountain View
Muldrow
Mule Barn
Mulhall
Murphy
Muskogee
Mustang
Mutual
Narcissa
Nash
New Alluwe
Newcastle
New Cordell
New Eucha
Newkirk
New Tulsa
Nichols Hills
Nicoma Park
Ninnekah
Noble
Norge
Norman
North Enid
North Miami
Notchietown
Nowata
Oak Grove
Oakhurst
Oakland
Oaks
Oakwood
Ochelata
Oilton
Okarche
Okay
Okeene
Okemah
Oklahoma City
Okmulgee
Oktaha
Old Eucha
Olustee
Oologah
Optima
Orlando
Osage
Owasso
Paden
Panama
Paoli
Paradise Hill
Park Hill
Pauls Valley
Pawhuska
Pawnee
Peavine
Pensacola
Peoria
Perkins
Perry
Pettit
Phillips
Picher
Piedmont
Pinhook Corners
Pink
Pin Oak Acres
Pittsburg
Pocasset
Pocola
Ponca City
Pond Creek
Porter
Porum
Poteau
Prague
Prue
Pryor Creek
Pump Back
Purcell
Putnam
Quapaw
Quay
Quinton
Ralston
Ramona
Randlett
Ratliff City
Rattan
Ravia
Redbird
Redbird Smith
Red Oak
Red Rock
Remy
Renfrow
Rentiesville
Reydon
Ringling
Ringwood
Ripley
River Bottom
Rock Island
Rocky
Rocky Ford
Rocky Mountain
Roff
Roland
Roosevelt
Rosedale
Rosston
Rush Springs
Ryan
St. Louis
Salem
Salina
Sallisaw
Sams Corner
Sand Hills
Sand Springs
Sapulpa
Sasakwa
Savanna
Sawyer
Sayre
Schulter
Scraper
Seiling
Seminole
Sentinel
Sequoyah
Shady Grove CDP (Cherokee County)
Shady Grove CDP (McIntosh County)
Shady Grove
Shady Point
Shamrock
Sharon
Shattuck
Shawnee
Shidler
Short
Silo
Simms
Skedee
Skiatook
Slaughterville
Slick
Smith Village
Smithville
Snake Creek
Snyder
Soper
Sour John
South Coffeyville
Sparks
Spaulding
Spavinaw
Spencer
Sperry
Spiro
Sportsmen Acres
Sportsmen Acres Community
Springer
Sterling
Stidham
Stigler
Stillwater
Stilwell
Stonewall
Stony Point
Strang
Stratford
Stringtown
Strong City
Stroud
Stuart
Sugden
Sulphur
Summit
Swink
Sycamore CDP (Delaware County)
Sycamore CDP (Sequoyah County)
Taft
Tagg Flats
Tahlequah
Talala
Talihina
Taloga
Tamaha
Tatums
Tecumseh
Temple
Tenkiller
Terlton
Terral
Texanna
Texhoma
Texola
Thackerville
The Village
Thomas
Taiwah
Tipton
Tishomingo
Tonkawa
Tribbey
Tryon
Tullahassee
Tulsa
Tupelo
Turley
Tushka
Tuttle
Twin Oaks
Tyrone
Union City
Valley Brook
Valley Park
Valliant
Velma
Vera
Verden
Vian
Vici
Vinita
Wagoner
Wainwright
Wakita
Walters
Wanette
Wann
Wapanucka
Warner
Warr Acres
Warwick
Washington
Watonga
Watts
Watts Community
Waukomis
Waurika
Wayne
Waynoka
Weatherford
Webb City
Webbers Falls
Welch
Weleetka
Welling
Wellston
West Peavine
Westport
West Siloam Springs
Westville
Wetumka
Wewoka
Whitefield
Wickliffe
Wilburton
Willow
Wilson
Winchester
Wister
Woodall
Woodlawn Park
Woodville
Woodward
Wright City
Wyandotte
Wynnewood
Wynona
Yale
Yeager
Yukon
Zeb
Zena
Zion

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