Struggling with credit card debt, medical bills, or wage garnishment? Our Wisconsin bankruptcy attorneys help you stop creditor harassment, protect key assets, and start fresh.
With over 20 years of experience, an A+ BBB rating, and thousands of successful cases, Debt Advisors Law Offices is trusted by clients throughout Milwaukee, Kenosha, Madison, Green Bay, Sheboygan, and Oshkosh.
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Chapter 7 bankruptcy, also known as liquidation bankruptcy, allows individuals in Wisconsin to eliminate most unsecured debts—such as credit cards, personal loans, payday advances, and medical bills—without needing to repay them. It’s a legal process designed to give you a clean financial slate.
When you file for Chapter 7, an automatic stay goes into effect immediately. This legally halts creditor calls, wage garnishment, repossession efforts, and even foreclosure proceedings.
One of the biggest advantages is speed most Chapter 7 cases are completed within 90–120 days. Another is that you may keep essential assets due to Wisconsin’s generous bankruptcy exemptions, such as:
Chapter 7 is ideal for individuals with low income and high unsecured debt who are looking for fast, court-backed relief. If your situation doesn’t involve large secured debts (like a second mortgage or business loan), this path may be right for you.
Not everyone qualifies for Chapter 7 bankruptcy. To determine eligibility, the courts apply a Means Test—a formula that compares your income to the median household income in Wisconsin.
If your gross monthly income is below Wisconsin’s current median income level, you likely qualify. As of 2024, the median income for a single filer is approximately $66,106 (check updated limits at U.S. DOJ Means Testing).
If you earn more, you may still qualify depending on your allowable expenses and total disposable income. Our team will help you calculate this accurately.
Quick Eligibility Checklist:
Even if you’ve filed before, or have some secured debt, you may still qualify under certain conditions.
Not sure if you’re eligible? Our Milwaukee-based Chapter 7 lawyers offer free evaluations to determine your options with accuracy and privacy.
Filing for bankruptcy may sound complex, but with the right legal support, the process is efficient and manageable. Here’s how it typically unfolds for Wisconsin residents:
Step-by-Step Guide
We handle every step: preparing documents, court filings, deadlines, and representing you throughout. You’ll never have to face the process alone. Contact us now to get started today.
One of the biggest misconceptions about Chapter 7 bankruptcy is that you’ll lose everything. In truth, Wisconsin’s exemption laws are designed to help you protect essential assets during bankruptcy.
Key Exemptions in Wisconsin
You may also choose federal exemptions if they better protect your assets. Our attorneys will guide you through which option provides the most coverage.
At Debt Advisors, we build your case around maximizing these exemptions. In most cases, clients keep their home, vehicle, and all essential possessions.
Worried about losing something important? Let us show you how we protect what matters.
When your financial future is on the line, experience matters. At Debt Advisors Law Offices, we’ve helped thousands of Wisconsin residents regain control of their lives through Chapter 7 bankruptcy.
Our Experience
For over 20 years, our firm has earned the trust of individuals and families throughout Milwaukee, Kenosha, Madison, Green Bay, and beyond. We hold an A+ rating from the Better Business Bureau, and have been voted “Best Bankruptcy Law Firm in Milwaukee” multiple times.
We understand how stressful this decision can be. That’s why we provide honest advice, transparent pricing, and responsive communication from start to finish.
With offices statewide and attorneys who know Wisconsin bankruptcy law inside and out, we’re uniquely positioned to help you succeed. Schedule your free consultation today and discover how we can help you start over.
Debt Advisors Law Offices proudly serves communities throughout the state. Whether you’re located near the city center or rural Wisconsin, we’re here to guide you through the Chapter 7 process with experience and compassion.
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In most cases, no. Wisconsin’s homestead exemption protects up to $75,000 of home equity. If your equity is under that limit, your home is likely safe.
Yes—if your car equity is under $4,000, it can be protected through Wisconsin’s vehicle exemption. Our attorneys will review your situation to confirm.
The full process typically lasts 90 to 120 days from the date of filing to discharge. It’s one of the fastest paths to debt relief.
You can discharge most unsecured debts—including credit card balances, medical bills, payday loans, and past utility bills. Some debts, like student loans and recent taxes, are typically not dischargeable.
Yes. If you’re both facing debt, joint filing may help protect marital assets and simplify the process. We can review your joint eligibility.
Chapter 7 stays on your credit report for up to 10 years. However, many people begin rebuilding credit within a year by paying bills on time and using secured credit cards.
Eligibility depends on your income and household size. In 2024, the median income for a single filer in Wisconsin is approximately $66,106. We offer a free eligibility review to walk you through the means test.
Expect a court filing fee of $338 plus credit counseling and attorney fees. We offer payment plans to make the process affordable.
Don’t let debt define your future. Chapter 7 bankruptcy offers a clear path to eliminate burdensome debt and protect what matters most—your home, your car, and your peace of mind.
At Debt Advisors Law Offices, our experienced team will guide you through each step, helping you secure the financial relief you deserve.
Fill out our online form for a free consultation today.