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File WI Chapter 7 Bankruptcy

If you decide to file Chapter 7 bankruptcy with one of our Wisconsin bankruptcy attorneys, it can discharge:

  • Credit card debt, including store cards
  • Medical bills
  • Payday loans
  • Personal loans
  • Overdue Rent
  • Utility Bills
  • Judgements & Lawsuits
  • Deficient balances on cars & real estate

Timeline of a Chapter 7 Bankruptcy

  • Chapter 7 bankruptcy begins when a Debt Advisors attorney files 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.
    • 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 appear 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 bankruptcy trustee will file a No Asset Report with the court.
    • You will then receive your bankruptcy discharge. The discharge is a court order that prohibits your creditors from collecting debts.

Under the 2005 bankruptcy code amendments, 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 counselor.

More About Chapter 7

For many people, filing Ch. 7 bankruptcy is a financial rescue; a real lifesaver at just the right moment.  It’s true that the most recent bankruptcy laws have made it more challenging for many consumers to file Chapter 7, but bankruptcy remains a powerful tool. It’s designed for people who are unable to pay credit card debt, medical bills, balloon mortgage payments, or other large debts.

You’re probably wondering how much debt you need to qualify for chapter 7 and how long the process will take.  As a matter of fact, your going to have lots of questions about the bankruptcy process in general:

  • Do I qualify for Chapter 7 Bankruptcy?
  • What happens to my credit scores after Ch.7 Bankruptcy?

Get answers to all of your questions and learn whether Chapter 7 bankruptcy is right for you. Fill out the “start here” form on this page to schedule a free initial consultation. Or, contact Debt Advisors at any of our 7 Wisconsin locations.

Chapter 7 For Student Loans

It’s important to speak with a bankruptcy attorney to get all the facts. Although certain types of debts cannot be discharged in Chapter 7, there are definitely creative ways to eliminate these debts:

If you’re drowning in debt right now, your future can only improve after eliminating it. This will finally be an opportunity to begin to improve credit scores and eliminate other bills like student loans. Once you hire an attorney, you will get immediate relief from creditor calls. And don’t worry, there are financial institutions that will lend post-bankruptcy so that homes and vehicles can be purchased in due time.

What Chapter 7 Looks like For you

At Debt Advisors, part of our job is to ensure you have a clear vision of what to expect from every stage of the process, including what happens after you file Ch. 7 bankruptcy. We review your situation very carefully and help arrive at sensible and effective options to help eliminate your debt fast.
Contact Debt Advisors using the form “Start Right Now” on this page, by calling any of our location offices, or by calling toll free at 888-222-5615.

Reviews by Google Users

  • 5 star review  I had nothing but an amazing experience. Very professional, intelligent, hard working, and caring. Attorney Michael S. Georg was nothing short of amazing! He made the process painless and easy. From the first meeting to the last he was nothing but professional and showed that he cared! His staff was excellent and is very helpful!

    thumb Darrel Allen Sr
  • 5 star review  From the second I walked in and talked to the lawyer I felt a sense of relief and a huge weight off my shoulders. Debt Advisors was efficient, timely, and professional. They helped my husband and I to get a fresh start financially.We’re so happy we chose Debt Advisors!!

    thumb Suseela Riley
  • 5 star review  Not a good year, 2016. Chad L. Schomburg at Debt Advisors Law Office made it easier. Very professional and with the knowledge to answer all my questions. Extremely happy with the results and I highly recommend this Law Office.

    thumb Marco Ramirez
  • 5 star review  Mike Georg was extremely helpful during the entirety of my process. He made sure I understood exactly what was going to happen and he was always there to answer any questions I may have had. I really like the fact that I didn’t have to pay all out of pocket at once. Their payment plan made it easy for me to pay what I had to without breaking the bank. I’m completely satisfied with the level of professionalism that everyone in the office has. Even to this day I’m able to get in touch with them which I’m really grateful for. I’d definitely recommend them to my family and friends. If your someone who’s looking to get out of debt but are skeptical, you’ll have no worries here with Debt Advisors. The process is quick and easy.

    thumb Shetara Johnson
  • 5 star review  I still remember the day when I started my bankruptcy back in 2016. I selected Debt Advisors because a good friend of mine had recommended Atty Mike Georg to me. After we met I was glad that I did select Debt Advisors for many reasons. Mainly, it was the professionalism and care that Mike and his staff showed me throughout the entire process. It felt good knowing that my situation would be taken care of efficiently and in a timely manner. Even after my bankruptcy was discharged Attorney Mike Georg and Debt Advisors have been there for me in 2018 and this 2020. Both times I've needed professional help with things like providing me with documents and forms that I've needed from my case. I strongly encourage anyone looking for debt consultation to visit Debt Advisors for help. They're great at what they do!

    thumb Arlandus Morton
  • 5 star review  Bankruptcy is never fun, but this Law Office made it so much easier. If I ever had any questions at all they were answered timely. They even helped me through a rough time when I ended up having to pay taxes and had a big medical exspense too! They were always kind and never made me feel bad for having to do the bankruptcy. They were sympathetic to why and just helped me through it! I recommend them to anyone I know going through this or having to start this process. I know of two of the people I referred who used htem and loved them too! Thank you Debt Advisors Law Offices! Jeremy and Angel thank you personally!

    thumb Tami Miller
  • 5 star review  I can confidently say that Debt Advisors is NOT in the business of taking advantage of you in your current situation. Debt Advisors is in the business of helping you get in a better place than you are now. I was there, constantly worrying about this large amount of debt that I owed. Feeling sick to my stomach and unable to sleep at night. Then I talked to Mike. He is genuine and honest. Having him in my corner took this huge weight off my chest. If you are in this place, I highly recommend giving Debt Advisors a call, it is the first step in the right direction.

    thumb Kurt Cameron
  • 5 star review  I had nothing but and amazing experience with Debt Adviosrs. They made this process for me easy and painless. Still today they are open and willing to help me. These are really great people, and they really care. Thank you Geroge and the rest of your team.

    thumb DENISE MOORE
  • 5 star review  They took the worries out of a very scary life experience. Explained everything step by step. Nice to be reassured that there is a light at the end of the tunnel and that everything will be okay! Because of their help life did go on! Thank you all!

    thumb Chris Rettmueller
  • 5 star review  Had a great experience with Debt Advisors! They never made me feel judged and made sure everything was handled in an efficient manner. Years later they are still extremely helpful when an issue comes up. They are on top of everything. Highly recommended!

    thumb Samantha Siegel

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