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Protection for Wisconsin Residents Who Struggle with Debt

When you find yourself in a desperate financial crisis remind yourself that there are laws in place to protect Wisconsin residents who struggle with debt.  When bills have become out of control, you are left feeling overwhelmed and exhausted.  The last thing anyone in this situation needs is to be harassed or taken advantage of by banks, creditors, or payday loan lenders.   This kind of treatment is unnecessary and unproductive.  After all, it’s a creditors attempt to collect money from an empty pocket. Know what the laws are and consult with your attorney if you have any issues.

Are Banks Calling and Harassing You About Unpaid Debt?

A debt collector can call to collect the unpaid debt but the law states how and when this can be done.  Creditors, including banks and payday loan lenders have been known to cross the legal line sometimes in order to collect unpaid debt.  The state of Wisconsin acknowledges specific laws which exist to protect consumers and to protect debtors after bankruptcy has been finalized.  Some of the key laws are noted and briefly explained below…

Key Laws that Protect Wisconsin Residents Who Struggle with Debt:

  • The Bankruptcy Abuse Prevention & Consumer Protection Act ,(BAPCPA).  This act was passed in 2005 to protect WI consumers and support bankruptcy abuse prevention.   Many amendments to the bankruptcy code have been passed since its inception, including a requirement to take a “means test” to determine if a debtor is qualified to file either Chapter 7 or Chapter 13 Bankruptcy.  The means test is administered and submitted by a local bankruptcy attorney to determine current monthly income, expenses and eligibility.  For example, if the current monthly income is higher than the median income then Chapter 7 cannot be filed safely without abusing bankruptcy laws.  Here are a handful of the 2016 bankruptcy code amendments that impacted the Consumer Protection Act:  Production of Tax Returns and other documents, the bankruptcy Means Test, limits on Automatic Stay, and more protection for consumers after bankruptcy has been filed.
  • The Wisconsin Consumer Act.  Sometimes banks or other creditors will carry out behavior which is illegal according to the WI Consumer act.  For example, they may try to continue to collect for debt that is no longer the responsibility of the debtor.  In the event that this happens to you, is important to have a general understanding of consumer protections such as The Wisconsin Consumer Act.
  • The Fair Debt Collection Practices Act.  The Federal Trade Commission protects consumers through the Fair Debt Collection Practices Act.  This includes the prevention of fraud, deception, or misrepresentation by those entities who wish to collect unpaid bills and loans.  This act pertains to household debts, personal debts, and family debt such as medical bills, car loans or credit cards.  However, it does not cover debts incurred to run a business

If you have questions about suing a creditor… or for more information regarding Wisconsin Consumer Protection Laws Contact Debt Advisors for a Free, No Obligation Phone Consultation.

NEED TO FILE A COMPLAINT?  Go to  The Wisconsin Department of Justice.

In Summary

If creditors stop calling and harassing you, the silence will be short-lived.  This is because without a debt resolution or repayment, the debt continues to exist.  If there is a break in the harassment, it may be a good time to tackle your debt issue head on.  Your first step should be to speak with an attorney that can relate to your financial situation and can clearly explain you’re your rights.  The people you’ll meet at Debt Advisors are bankruptcy experts.  They have the experience and know-how to get you out of debt….and the ability to clearly explain and utilize Wisconsin Laws to protect you.  Making the call is the single most important thing that you can do right now.

Reviews by Google Users

  • review rating 5  Chad makes bankruptcy look and feel easy. He was very transparent, to the point, and comforting throughout the process. Any questions via email or call, were responded to in a beyond timely fashion. I would highly recommend working with Debt Advisors to get your fresh start.

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  • review rating 5  The team at debt advisors are best. They help me with all my financial issues. Everything it took for me to get through my situation they were there from beginning to the end. I would recommend them to anyone that's in a financial situation. Give them a call

    thumb Demetrick Fleming
  • review rating 5  I have used Chad and Jeremy for the past several years and both attorneys has been hands on with helping me resolve and realign many of my financial issue. Debt Advisors has helped my stress level of finances to settle in a more comfortable place. I would highly recommend Debt Advisors to anyone that may have made bad financial choose or found themselves in a place of hardship. Thanks Debt Advisors

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  • review rating 5  As a customer I was very glad with the level of service I received. I was both nervous and ashamed that I was going through the process of filing. My attorney was nonjudgmental, professional, and very knowledgeable. I had lots of questions and he patiently answered each of them helping me feel more confident in my decision making. I was unable to pay all fees up front and was happy to learn that there was a payment option where payments were deducted from my account until paid in full. Upon my final payment the process ran quickly and smoothly. I always felt like my best interest was at the forefront front the filing process, followup phone calls, reminder phones calls, the court date and discharge. I called the offices 3 years after filing and still, they were welcoming, supportive and informative even though I am not a current customer. This was the first step to me reestablishing myself as a conscious borrower and consumer.

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    thumb Andrew Ossowski
  • review rating 5  Both Cad and Michael were fantastic!!! They were dedicated and very helpful during my entire bankruptcy. Every step was explained as well as any question that I had (even if I asked three or four times) got answered. I would recommend this team to anyone that needs to swallow their pride and file bankruptcy.

    thumb Andrew Ossowski
  • review rating 5  My husband and I hired Debt Advisors to help with our bankruptcy back in 2010. They made it simple and easy then. Now 10 years later we needed information regarding our bankruptcy and they still make things simple and easy. I have and will recommend Debt Advisors to anyone that needs help. Thank you to Debt Advisors for helping my family plan for the future.

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  • review rating 5  My experience with debt advisors law office was an excellent experience. Chad and his partner we're very knowledgeable and their staff was very helpful through my whole process. As We Know this type of experience bankruptcy can be very trying and stressful however Chad and his staff made it a lot easier on me and I felt they did a wonderful job. I would recommend to anyone.

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