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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  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
  • review rating 5  Debt Advisors Law Offices rock! I went into bankruptcy not knowing what to expect but Mr. Pietrek who represented me put my mind at ease. Mr. Pietrek answered all of my question in-person and on the phone. I never felt uncomfortable or embarrassed. The amount of money I had to pay was like half the amount I would have had to pay going through ay other firm. If for some reason I had to go through bankruptcy again there would be no one else I would use. Good people good prices great services.

    thumb CJ M
  • review rating 5  I am so grateful for the Debit Advisors in assisting me to get my life back on track. I have great respect for them. Debit Advisors has integrity! I was in a very difficult situation and they guided me through. They were honest with me about what I could and could not do, what is allowable and not allowable, they got bill collectors off my back and they replied back to me in a timely manner when I had questions. As long as I did my part in the process, they more than did their part.

    thumb Kathy Carter

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