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File WI Chapter 13 Bankruptcy

Chapter 13 bankruptcy is sometimes referred to as “debt reorganization.” It allows a person to:

    • Repay secured debts, which are typically large ticket items
    • Repay through an interest free plan that reduces total debt
    • Repay over a three to five year period
    • Discharge remaining debts
    • Enjoy a fresh financial start.

For some people, including those who make too much money to file a Ch. 7 bankruptcy, Chapter 13 can prove to be a helpful option for debt relief.

Timeline of a Chapter 13 Bankruptcy

    • Chapter 13 bankruptcy begins when Chad and Mike file your petition for relief with the bankruptcy court. The court will enter an Automatic Stay order prohibiting most of your creditors from taking or continuing any collection or legal action against you. The harassing letters and phone calls must stop once your case is filed.
    • The court will mail notice of the bankruptcy to all of your creditors, assign a bankruptcy trustee to your case and set a date for your hearing. At the hearing, the trustee will ask you a series of yes or no questions about the papers that were filed with the court.
    • You must make your first Chapter 13 plan payment within 30 days of filing the case. Chad and Mike will explain how you do this and give you the mailing address.
    • Thirty to forty five days after your case is filed, you will attend the meeting of creditors. The court-appointed trustee will preside over this meeting. You will be asked to testify under oath as to the accuracy of the statements in your petition. However, most of your creditors will not appear at the meeting, and you will not be before a judge. The meeting is very informal, and in most cases will last no more than five or ten minutes. Your attorney will attend this meeting with you.
    • The court will then confirm your Chapter 13 plan. The plan is an agreement between you and your creditors that you will make payments for a period of three to five years and in exchange, your unsecured creditors agree to forgive a portion of the debt.
    • You will then receive your bankruptcy discharge. However, you must complete a financial management course before the court will give you the discharge. Mike and Chad can refer to an approved financial management class.

Chapter 13 Bankruptcy Protections

Learn more about how bankruptcy can protect the things that are most important to you, such as a car or family home.  Restore your financial health through the Chapter 13 bankruptcy process. The attorneys at Debt Advisors can help make this process as quick and painless as possible. We provide honest answers, solid advice, direction, and a free quote over the phone.  All you have to do is fill out the form on this page to make an appointment for a free initial consultation.  When you talk to a  bankruptcy attorney from Debt Advisors, you can  discuss your issues with us in person.

If you are faced with overwhelming amounts of debt, Chapter 13 may be the right solution for you.

Qualify for Chapter 13 Bankruptcy

In order for a person to qualify for Chapter 13,  that person must have a regular source of income and have enough money to pay for basic living expenses while meeting the requirements of the Ch. 13 repayment plan. If you meet these requirements, you may begin the bankruptcy process, which will enter an automatic stay order that prevents creditors from continuing any collections against you, including letters, phone calls and legal actions.

Interest Free Repayment Plan

Your Chapter 13 interest-free repayment plan is an agreement between you and your creditors. In exchange for making these payments over a three to five year period, a portion of your debt will actually be forgiven by your creditors. This means that you will often end up paying less back to your creditors than what you had originally owed them. Our bankruptcy law firm helps you every step of the way to create this plan.  We notify all of your creditors, refer you to an approved financial management class and guide you through all other aspects of the process in an efficient and effective manner.

WHAT CHAPTER 13 BANKRUPTCY LOOKS LIKE FOR YOU

At Debt Advisors Law Offices, We are a debt relief agency. We can help you find immediate relief from the financial woes that are such a burden on your life.

From harassing creditor calls and letters, to a pending home foreclosure or vehicle repossession and wage garnishments; we help you find debt relief through the Wisconsin bankruptcy process. If Ch. 13 Debt Reorganization Bankruptcy is the right solution to provide debt relief for you and your family, we can even provide a free quote over the phone during your free consult. Our goal is to  work with together to develop a payment plan that is right for you and your individual situation.

Contact us at one of our (7) Wisconsin locations  by completing the form “Start Right Now” on this page or by calling toll free at 888-222-5615.

 

Reviews by Google Users

  • review rating 5  They helped me during my bankruptcy case. They were great and very professional. I recommend them to anybody going through this process.

    thumb Maria Hernandez
  • review rating 5  They helped me during my bankruptcy and to feel comfortable throughout. And have been amazing in follow up even years later.

    thumb Ud Ho
  • review rating 5  My experience with Debt Advisors was truly a blessing in disguise. My wife and I were truly elated to be a part of a first time home buyer program with a well known state agency. This however turned out to be a nightmare We were one of the many who, during the Bush years ended up getting locked into a merciless ,ever increasing mortgage that was supposed to have a fixed rate. After countless attempts to try for modification or refinancing we soon found out the state agency didn't allow for such recourse. We felt the weight of the world was on our shoulders. That was when we decided to try Debt Advisors. Their attorneys were very knowledgeable and assuring. They were a great help in lifting what was a grievous burden. I would recommend their services to anyone.

    thumb anthony mosley
  • review rating 5  I filed a chapter 7 bankruptcy at Debt Advisors with Attorney Janice Nabke and the entire experience was nowhere near as stressful as I was worried about thanks to Janice who was very caring and dedicated to doing everything she could to make the whole process as simple as possible. Janice is very experienced with Bankruptcy cases and knew every correct step to take and was very detailed in explaining everything that I needed to prepare for and what to expect from beginning to end but what really stood out to me was how nice she was with a great personality so I would like to thank her for all of the hard work she put fourth and would highly recommend her to anybody seeking bankruptcy assistance. I would like to make special mention to Holly Mclure Larson who helped me out more than I could possibly imagine and went far above and beyond my highest hopes and expectations after I was still facing harassment and threats from a VERY aggressive Collection Agency trying to collect on the discharged debt and due to the very gracious help from Holly who is FANTASTIC I feel so much better and cannot thank her and the entire team at Debt Advisors enough.

    thumb alex avila
  • review rating 5  Debt Advisors is a wonderful company and I highly recommend them. Attorney Mike Georg has been so easy to work with and extremely helpful and kind throughout the process. Other amazingly helpful and caring staff I worked with were Holly, Julie and Jess. Thank you all!

    thumb Mary Jean
  • review rating 5  Awesome services, I went there feeling impending doom, and left with certainty that someone cares. Michael Georg was friendly and helpful informing me on what is best for my family.

    thumb Charles Sutton
  • review rating 5  My experience with Debt Advisors was wonderful, Michael Georg and his staff are very respectful, helpful and knowledgeable about the steps that need to be taken in your case. My case was simple but challenging for me but they made sure that I didn’t panic and they were able to resolve my case in a very quick and timely manner. I appreciate the time and consideration that they took with my case. Would highly recommend

    thumb Bradley Harrison
  • review rating 5  Debt Advisors is a Top notch law firm!! I was an emotional mess. Lawyer Michael Georg was so compassionate & understanding. He reassured me everything was going to be okay. He explained everything step by step. The cost was very reasonable & he works with you! He's the Best!! The ladies in the office were very sweet, also! I couldn't have found a better place to take care of me. Totally put my mind at ease. HIGHLY RECOMMENDED!!!!! You won't be disappointed!

    thumb Lauri Z
  • review rating 5  Excellent customer service and staff. Got back to me in a timely manner regarding any questions I had. Made filing bankruptcy easy and pain free.

    thumb Amanda Marie Holterman
  • 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

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