Communication with our law firm is convenient through both virtual & in-person meeting settings, online website forms, telephone, mail & email.

Scores Ratings & Credit Repair

The higher your credit score is, the more trustworthy and responsible you will appear. Lenders, landlords, and even potential employers look at credit scores. A low or bad credit score will negatively impact the quality of life. This is because low or bad scores will prevent you obtaining loans or prevent you from obtaining the best lending rates available. The lower a credit score the more you’ll want to focus on credit repair.

Consumer Reporting Agencies

To understand more about the credit rating system and where you may stand currently – go to There are valuable resources on the site including the ability to get a free credit report. Each person is entitled to one free report each year.  Experian, Equifax, and TransUnion are the three national consumer reporting agencies. You should be able to request a free report from each of the agencies.

Where You Fall On The Credit Rating System

According to the three reporting agencies:

    • Credit ratings range between 330 and 830.
    • The average credit score in the U.S. is around 687.
    • A credit score of 600 or less is considered low & risky
    • In Wisconsin, the average credit score is around 700.
    • Credit Scores of 720 or higher are most beneficial to get the best rates.
    • The inability to keep up with bills is #1 reason why credit scores plummet.

Credit Repair Consultation

If you find it difficult to improve credit scores on your own, seek some legal advice. Debt Advisors can offer some good tips during your free initial consultation. When you speak to an attorney from Debt Advisors Law Offices, have your questions ready. We think that you’ll find that our credit repair law firm has options that many folks don’t know are available to them. Remember, your initial consult is free. All you have to do is fill out the “Start Right Now” form on this page. Or, contact Debt Advisors by phone at any one of our six Wisconsin locations.

Low Credit Score

When a client contacts Debt Advisors Law Offices, their credit scores are typically very low. Therefore, it may be safe to assume that your reading this site because you are struggling with your own credit score. Let’s make one thing very clear…you are not alone in this struggle. Often times, low credit scores are due to a combination of situations or life events that could not be controlled. Life can throw a series of curve-balls that lead to overwhelming debt problems such as the loss of a job, an accident, or serious medical diagnosis. You may benefit from debt settlement, chapter 7 bankruptcy, chapter 13 bankruptcy, the 720 Credit Score Program, or other services we

Household Budget

At any point, it is advisable to create and maintain a reasonable household budget. Get your family involved and start making changes today. Gather more information about how credit ratings work, and how to improve yours.

  • Download Free Budget Worksheets Here:
  • pdf download budget worksheetexcel download budget worksheet




Here are some additional resources:

Reviews by Google Users

  • 5 star review  I highly recommend Debt Advisors if you are considering a bankruptcy. We are nearing the end of our plan and everyone at DA has been extremely helpful and thorough. Angel in particular has been very helpful with the many, many questions we've had over the years. Thanks for all of your efforts!

    thumb Howard Lord
  • 5 star review  Everyone treated me with dignity and respect. Chad explained everything and put me at ease. I would recommend Debt Advisors to anyone looking for professional quality experience.

    thumb Angela McAllister
  • 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

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