Blog

Sept. 18, 2025

When the IRS places a levy on your bank account, the stress and uncertainty can be overwhelming. The IRS uses levies to collect unpaid taxes by seizing money directly from your financial accounts. Once your bank receives the levy notice, it must freeze your funds for 21 days.

Sept. 13, 2025

Wage garnishment happens when a creditor takes money directly from a paycheck to recover a debt. While the law allows this, creditors must follow strict rules that limit how much can be withheld and when it can occur. These protections exist to prevent unfair or excessive garnishment of wages. Knowing these rules helps employees protect their income.

Aug. 22, 2025

Whether it’s a frozen bank account, garnished wages, or looming threats against property, the IRS has tools that cause real financial fear.

July 30, 2025

When financial pressures pile up, missing a loan payment can lead to more than just late fees. For many people in Western Oklahoma, the real fear is repossession. Whether it’s a car, a piece of equipment, or another secured asset, repossession can disrupt your life and your ability to earn a living. The good news is that bankruptcy offers several legal options that can halt repossession.

June 19, 2025

Losing a home is personal, so I write this guide in the first person, sharing practical steps you can take today. Whether you have already received a notice of default or only sense trouble ahead, remember that early action expands your options and reduces stress.

May 27, 2025

As the founding attorney of Deborah Brooks & Associates, P.C., based in Western Oklahoma, I've spent years helping homeowners through the most difficult financial moments of their lives. One of the most emotionally charged and legally sensitive issues I deal with is foreclosure.

April 28, 2025

Filing for Chapter 13 bankruptcy gives us a way to catch up on debts over time while protecting assets like our home or car. It’s often the right path when we're dealing with foreclosure, tax debt, or other financial stress.

April 7, 2025

When individuals in Oklahoma consider filing for Chapter 7 bankruptcy, they often ask how to figure out if they qualify. The process involves taking what’s known as the means test, which helps determine if someone’s income is low enough to file under Chapter 7. This test isn’t optional—it’s a required step for most people filing for Chapter 7 bankruptcy.

March 11, 2025

As an experienced bankruptcy attorney at Deborah Brooks & Associates, P.C. in Western, Oklahoma, I help individuals work through financial hardships by providing legal guidance.

Feb. 5, 2025

When you’re facing financial difficulties, bankruptcy can offer a path toward relief and a fresh start. At my firm, Deborah Brooks & Associates, P.C. in Western Oklahoma, I understand how overwhelming these challenges can be and am here to guide you.