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.
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.
Our focus at Debt Advisors is bankruptcy and the bankruptcy process. While considering bankruptcy, there are many things your attorney will want to talk about and navigate through. 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:
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:
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.
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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.
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.
My husband and I hired Debt Advisors to help with our bankruptcy back in 2010. They made it simple and easy then. Now 10 years later we needed information regarding our bankruptcy and they still make things simple and easy. I have and will recommend Debt Advisors to anyone that needs help. Thank you to Debt Advisors for helping my family plan for the future.
Even one year later Debt Advisors continue to help by making it easy to access archived information. This experience with this service and it's staff has been stress free from day one. I recommend this team if you want thorough and excellent service like old times.
My experience with debt advisors law office was an excellent experience. Chad and his partner we're very knowledgeable and their staff was very helpful through my whole process. As We Know this type of experience bankruptcy can be very trying and stressful however Chad and his staff made it a lot easier on me and I felt they did a wonderful job. I would recommend to anyone.
A few years ago I found myself drowning in debt, after doing some research I decided I would get some help in dealing with that debt, so I reached out to Debt Advisors Law Offices. I was scared, nervous, and embarrassed that I had gotten to this point but after my first meeting with Debt Advisors I knew I was making the right decision. They made me feel comfortable and confident in my decision to move forward. The best part was it was all on my time, I felt no pressure from them which was amazing. They were always available to answer my questions and help me through the process. A couple years after my case closed, I reached out to get some information and within that same day they responded to me and remembered me! Truly a wonderful firm to work with!
Best place to relieve your debt. Debt Advisors offers a seamless process which is both worry and stress free. Flexible payment options and quick turn-around. The staff is very knowledgeable and goes above and beyond to deliver satisfaction!....Hands down Debt Advisors is the BEST!
Greg and his staff are great! They made the whole process easy and made everything clear to understand. You don’t second guess nothing. They are with you every step of the way and if you have any questions they definitely have the answer for you.
Greg and Jeremy strategized the best timing for filing based on the variables changing throughout my divorce process. The team counciled me several times on the various benefits and potential risks while we navigated the best solution specific to my particular situation. I would fully recommend their expertise and their customized approach of how they manage their clients financial recovery.
These people are great! They have been so helpful and polite, even during my most stressful moments. I’m sure I got on their last nerve! But they remained courteous and helpful to the end!