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The Truth About Bankruptcy

There are many negative stereotypes about bankruptcy that may prevent folks from seeking advice.  Filing Chapter 7 or Chapter 13 bankruptcy is not complicated or scary if you have an experienced attorney on your side. Google reviews will support the fact that many Wisconsin residents have filed bankruptcy, and are grateful they did. Before wasting money on debt-relief services that may not work, seek the truth about bankruptcy. Contact Debt Advisors toll free at 888-222-5615 or fill out the “Start Right Here” form.

Bankruptcy Protections

Ultimately, bankruptcy is a helpful tool for millions of people. It offers powerful protections for consumers who struggle with debt. Protections involve issues associated with excessive debt. Prevent home foreclosure or repossession proceedings, stop creditor harassment or wage garnishments, and more.

Everyone deserves a chance for a fresh start. At Debt Advisors Law Offices, we pride ourselves in making the bankruptcy process easy. We have helped thousands of Wisconsin families eliminate debt completely!  Take advantage of our solid advice and expertise in this area.

Bankruptcy Types

There are two main types of consumer bankruptcy. Chapter 7 bankruptcy is one of them; commonly called “liquidation” bankruptcy. You’ll need to pass a “means test” to file Chapter 7. A bankruptcy attorney will coach you through this step. In addition, there are income levels and other requirements which need to be met in order to qualify for this type of bankruptcy. However, ch.7 bankruptcy is quick. Another wonderful thing about chapter 7 is that it will discharge most of your unsecured debt. This means that you could potentially eliminate all debt.

Chapter 13 is another common type of bankruptcy. This option is often referred to as “debt restructuring and repayment.” Your bankruptcy attorney will work with banks and other creditors for a repayment plan that is more reasonable. Over several years, you’ll pay back a portion of your debt. But, most people are surprised at how well Debt Advisors can work to bring down the debt to a more reasonable amount. These negotiations will end in a plan that clearly benefits you and your family. Wisconsin also has a debt consolidation bankruptcy alternative which is referred to as Wisconsin Chapter 128. This option is not federal bankruptcy; instead, it’s a program offered by the State of Wisconsin.

State & Federal Bankruptcy 
People who file for bankruptcy have tried to get out of debt unsuccessfully. They feel trapped by the enormous stress that excessive debts and bill collectors can bring. If you’re one of these people, we hope you’ll consider the bankruptcy process. Everyone deserves a chance for a fresh start. Reach out to us. Mistakes happen when folks try filing bankruptcy on their own. There are clear benefits in obtaining counsel from a Wisconsin bankruptcy attorney at Debt Advisors.

Bankruptcy can be filed at a state or federal level, depending upon which one best fits your situation. At Debt Advisors we are versed in Wisconsin Bankruptcy laws as well as federal bankruptcy laws. We provide effective and efficient bankruptcy advice and guidance every day. If there are alternative options that may benefit you, we’ll let you know what those are. It’s important to fully understand the truth about how bankruptcy can protect you so that you can eliminate debt for good. When you’re ready to move forward with bankruptcy, it’s important to us that you are feeling confident about that decision.

Take That First Step

The awakening is to realize there is a financial problem that is out of control. The difficult part is coming to own the mistakes or life situations that brought you to this point. Life happens, and sometimes it is unfair. People who seek bankruptcy advice and eventually file bankruptcy are not bad people. On the contrary, people who look for solutions to their problems are brave and honorable. Once you realize this, it should be easier to take that first step. Talk with an experienced bankruptcy lawyer. At Debt Advisors we don’t push bankruptcy unless it is truly the best option to pursue.

Bankruptcy Process

Our focus at Debt Advisors is bankruptcy and the bankruptcy process. We want to set the record straight regarding the truth about bankruptcy and why so many find it life-changing. On that thought, there are many things your attorney will want to talk about and navigate through while considering bankruptcy. It’s extremely important to be open and honest about your financial situation. When bankruptcy is the best resolution for your debt problems, we make the process as quick and painless as possible. Here are the first few actions that you can expect to happen at the beginning of the bankruptcy process:

    • You retain one of our attorneys to represent you
    • All of requested paperwork & documents have been received
    • There is a petition to declare bankruptcy filed by your attorney

Bankruptcy Services & Fees

The best advice is to hire an experienced attorney for the efficient and effective handling of a bankruptcy petition. You’ll find that hiring a Debt Advisors attorney is far more affordable than many other bankruptcy law firms. However, some clients still question how to afford bankruptcy services when they’re already overwhelmed with debt. That issues is resolved when they learn that we do everything in our power to work with the unique financial situation of every client. Payment plans, a “sliding fee scale,” and other creative ideas are available to cover our professional services.

Here’s our commitment about fees:

  • We keep our fees as low as possible.
  • Provide transparency & honesty about fees.
  • Help find creative ways to pay for services.
  • Ensure that you receive the financial relief that you and your family need.

Debt Advisors Law Offices

Debt Advisors Law Offices is a debt relief agency that files for bankruptcy relief under the Bankruptcy Code. To effectively represent clients in bankruptcy we are both effective litigators and negotiators. Our attorneys offer a very in-depth understanding of bankruptcy laws and an enormous amount of experience with the bankruptcy process. Take advantage of your free initial consultation. Myths and fears about bankruptcy that often prevent people from seeking debt-relief solutions are addressed upfront. Fees are discussed openly and guidance is detailed.

Reviews by Google Users

  • review rating 5  I had an awesome experience with the entire team at Debt Advisors(D.A.). They made a very stressful and complicated situation very easy. When going into this I thought this process was going to be very long and stressful as I did not know what to fully expect. From my very first meeting to my last I had nothing but an easy and pleasant process. Every one was so knowledgeable and helpful! I could not have asked for a better team to assist me in my time of need. Sending a very big Thank you to all the staff at D.A. you guys are amazing.

    thumb Cecilia Brito
  • review rating 5  Debt Advisors Law Offices rock! I went into bankruptcy not knowing what to expect but Mr. Pietrek who represented me put my mind at ease. Mr. Pietrek answered all of my question in-person and on the phone. I never felt uncomfortable or embarrassed. The amount of money I had to pay was like half the amount I would have had to pay going through ay other firm. If for some reason I had to go through bankruptcy again there would be no one else I would use. Good people good prices great services.

    thumb CJ M
  • review rating 5  I am so grateful for the Debit Advisors in assisting me to get my life back on track. I have great respect for them. Debit Advisors has integrity! I was in a very difficult situation and they guided me through. They were honest with me about what I could and could not do, what is allowable and not allowable, they got bill collectors off my back and they replied back to me in a timely manner when I had questions. As long as I did my part in the process, they more than did their part.

    thumb Kathy Carter
  • review rating 5  Awesome experience! Helpful all the way through the process. Saved our lives.! Chad was great and everyone was so helpful.

    thumb michael sabel
  • review rating 5  Chad makes bankruptcy look and feel easy. He was very transparent, to the point, and comforting throughout the process. Any questions via email or call, were responded to in a beyond timely fashion. I would highly recommend working with Debt Advisors to get your fresh start.

    thumb Alexandria Jackson
  • review rating 5  The team at debt advisors are best. They help me with all my financial issues. Everything it took for me to get through my situation they were there from beginning to the end. I would recommend them to anyone that's in a financial situation. Give them a call

    thumb Demetrick Fleming
  • review rating 5  The team at debt advisors are best. They help me with all my financial issues. Everything it took for me to get through my situation they were there from beginning to the end. I would recommend them to anyone that's in a financial situation. Give them a call

    thumb Demetrick Fleming
  • review rating 5  I have used Chad and Jeremy for the past several years and both attorneys has been hands on with helping me resolve and realign many of my financial issue. Debt Advisors has helped my stress level of finances to settle in a more comfortable place. I would highly recommend Debt Advisors to anyone that may have made bad financial choose or found themselves in a place of hardship. Thanks Debt Advisors

    thumb Debbie Matthews
  • review rating 5  As a customer I was very glad with the level of service I received. I was both nervous and ashamed that I was going through the process of filing. My attorney was nonjudgmental, professional, and very knowledgeable. I had lots of questions and he patiently answered each of them helping me feel more confident in my decision making. I was unable to pay all fees up front and was happy to learn that there was a payment option where payments were deducted from my account until paid in full. Upon my final payment the process ran quickly and smoothly. I always felt like my best interest was at the forefront front the filing process, followup phone calls, reminder phones calls, the court date and discharge. I called the offices 3 years after filing and still, they were welcoming, supportive and informative even though I am not a current customer. This was the first step to me reestablishing myself as a conscious borrower and consumer.

    thumb Ashley Vtine
  • review rating 5  Both Cad and Michael were fantastic!!! They were dedicated and very helpful during my entire bankruptcy. Every step was explained as well as any question that I had (even if I asked three or four times) got answered. I would recommend this team to anyone that needs to swallow their pride and file bankruptcy.

    thumb Andrew Ossowski

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