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Non-Bankruptcy Options in Wisconsin

The attorneys at Debt Advisors Law Offices are well versed in non-bankruptcy options available to Wisconsin consumers. At Debt Advisors Law Offices, we advise our clients based upon their unique circumstance. If bankruptcy is not the best solution for you, we offer alternatives designed to put you on a firmer financial footing.  We strive to help our clients resolve their debt, preserve their assets and make sound financial decisions. We are prepared to help you consider the following options:

Highly Rated Bankruptcy Alternatives

We are a debt relief agency offering dedicated attorneys and support staff. When it comes to helping those who are in debt, we assist in many  ways. The bankruptcy options we offer are best suited for those who are in serious debt.  For others, non-bankruptcy options can get folks back on track. Read our reviews to see how past and current clients rate our law firm. Then, request a free initial consultation from one of our attorneys. Regardless of which of our services you choose; all are affordable, reliable and efficient. Furthermore, we always serve with the best interest of the clients in mind. But don’t take our word for it, Read hundreds of reviews from past and present clients. Their reviews demonstrate how well we do our job. Most importantly, we hope they  help put your mind at ease.

Mortgage Modification May Benefit You

If you’ve endured a major life difficulty, such as a divorce, medical emergency or a layoff, you may find it difficult to handle your monthly mortgage payment and other financial obligations. There are options available to keep your home, lower home loan payments, avoid default, and get out of debt.  Choose to modify or refinance your home loan; or file for bankruptcy. In some cases, you can combine these efforts. The attorneys at Debt Advisors work with the mortgage companies to modify your loan to make mortgage payments more affordable.

2021 UPDATE: The FHA announced recently the COVID 19 foreclosure moratorium will end effective June 30, 2021.

2021 UPDATE: The Consumer Financial Protection Bureau has proposed a new rule to prompt “early intervention” for homeowners on the brink of foreclosure. The proposed rule encourages mortgage modifications

Wisconsin Chapter 128 Reorganize Debt

Chapter 128 is an appealing alternative to bankruptcy if you are struggling with debts such as payday loans, credit cards, medical bills, and other unsecured debts. Ch. 128 is a non-bankruptcy debt consolidation repayment plan through the Wisconsin court system.  Debts are reorganized and repaid, interest free, over a 36-month period.  It’s important to note that mortgages, car loans and student loans cannot be included in a Chapter 128. Similar to bankruptcy, you must qualify for Chapter 128. You must be employed or have a steady source of income to fund the consolidation. But, this voluntary debt consolidation plan costs less than a bankruptcy and does not require credit counseling.

Why Credit Counseling May Help

Credit counseling is an educational option that covers topics such as debt management, consumer credit, budgeting, and debt management.  It is designed for folks who struggle with managing finances and paying off debts. The counseling programs are provided by a range of providers. You will want to confirm that you select a reputable non-profit organization. Credit counseling can be used to prevent bankruptcy.  If you are trying to determine if bankruptcy is necessary, credit counseling can provide you with the insight to make an informed decision. When filing bankruptcy, credit counseling remains a requirement. Credit counseling can also help prevent future bankruptcies.

Option To Negotiate Debt

Debt Advisors Law Offices offers effective, reliable debt negotiation to our clients that do not want to file for relief under the bankruptcy code.  Settling debt with your creditors may result in a significant reduction in the amount of debt you owe.  Debt negotiation involves our attorneys negotiating a client’s debt down to a payoff balance that both the client and creditor find acceptable.  We are transparent in regard to the likelihood that debt negotiation will succeed as well as the fees involved.

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