Bankruptcy can be a complex and emotional process. With multiple chapters, legal deadlines, and strict eligibility rules, it’s easy to feel overwhelmed and unsure what to do next.
A qualified bankruptcy lawyer helps you navigate these hurdles, ensuring you understand every option and protect your rights—especially if creditors press you or threaten legal action.
When you partner with experienced Milwaukee bankruptcy lawyers, you’re not just hiring someone to handle paperwork. You’re securing personalized advice to stop wage garnishments, safeguard your home, and help you rebuild your financial life.
From assessing whether Chapter 7 or Chapter 13 is right for you to make sure you fully comply with Wisconsin regulations, the right legal partner can make all the difference.
From two convenient Milwaukee County locations — 2600 N. Mayfair Rd #700, Milwaukee, WI 53226 and 250 E Wisconsin Ave, Milwaukee, WI 53202 — Debt Advisors Law Offices makes it simple for anyone in the area to get legal help.
We offer in-person and virtual consultations, serving clients all across Wisconsin—including Madison, Kenosha, Oshkosh, and Green Bay Counties.
No matter where you live, we aim to provide straightforward support and reduce the stress of dealing with debt.
We understand how overwhelming financial struggles can be at Debt Advisors Law Offices. You might be worried about mounting bills, constant creditor calls, or possibly losing your home or car.
From the moment you reach out, we aim to ease that burden and guide you toward the fresh start you deserve.
We begin by listening—truly listening—to your challenges. Our team carefully reviews your situation's details, from credit card debts and medical bills to any notices you've received from creditors.
With this information, we collaborate with financial professionals, credit experts, and other specialists to create a thorough plan. We aim to show exactly what led to your financial hardship, how severe the impact has been, and what options will best help you regain stability.
We know creditors can be relentless, and we're ready to stand up for you. By using clear, assertive strategies, we work to halt wage garnishments, foreclosures, or repossessions and ensure your rights are protected under bankruptcy laws.
If a fair resolution can't be reached through initial negotiations, we're fully prepared to pursue more formal steps—backed by our years of experience guiding clients through Chapter 7 or Chapter 13.
We keep you informed throughout the process, answer your questions, and ensure you know every option. By handling the legal and financial complexities, we give you the time and space to focus on rebuilding your life—learning a team of dedicated professionals is working hard to secure the relief you deserve.
A Fresh Financial Start Is Just a Call Away
Stop letting creditor calls and constant worry rule your life. Our Milwaukee bankruptcy attorneys are here to guide you toward real relief—quickly and confidentially.
If credit card bills and medical debts have piled up, Chapter 7 can erase much of your debt. Qualifying depends on your income; meeting the guidelines offers a faster path to debt relief and a fresh start.
If you have a steady income and want to protect assets like your home, Chapter 13 sets up a court-approved repayment plan. Over three to five years, you can catch up on missed payments and avoid foreclosure.
Not everyone needs to file. Sometimes, debt negotiation or a direct payment arrangement with creditors can ease the burden without legal proceedings. Bankruptcy can remain on your credit for several years, but many people see improvement after wiping out debts.
One of the most common fears about bankruptcy is the possibility of losing critical assets like a house or vehicle. The truth is that bankruptcy laws often include exemptions designed to protect essential property—especially where you live and the car you rely on.
If the equity in your home or vehicle falls within the limits allowed by Wisconsin or federal exemptions, you can usually keep them.
Additionally, filing for bankruptcy automatically stops most collection actions and foreclosure proceedings, giving you time to catch up on overdue payments or negotiate new terms. This means creditors can’t simply swoop in and take everything without going through the legal process first.
Updated through November 2024, these statistics reveal how Chapters 7, 11, 12, and 13 filings have shifted over the past three years. For example, the total number of bankruptcy cases in November 2022 was 440, while November 2024 saw a jump to 586.
This pattern suggests an overall increase in filings, although specific chapters vary from month to month. Chapter 7 typically remains the most common route, helping individuals clear overwhelming debt.
Chapter 13, meanwhile, provides a structured repayment plan for those with a steady income.
Occasional spikes in Chapter 11 and Chapter 12 indicate business reorganizations and farm-related filings, respectively. If cases convert or reopen, these numbers can change, so the official site updates them regularly.
Reference: https://www.wieb.uscourts.gov/bankruptcy-statistics/
At Debt Advisors Law Offices, we’ve guided thousands of clients toward lasting solutions for overwhelming debt. While every situation is unique, our experienced attorneys maintain a strong track record of preventing foreclosures, stopping wage garnishments, and securing successful discharges or repayment plans through Chapters 7 and 13.
We believe in transparency from the start. We carefully evaluate your circumstances to recommend strategies with the greatest chance of success.
Exceptional service. The entire team was friendly and knowledgeable. The attorney took his time to walk me through step by step. I will recommend this law office to anyone!
I went through Debt Advisors as a referral by a friend. I am very happy I did so. The staff that I worked with were very helpful and showed a high level of professionalism. They were always able to answer any questions that I had. I was very happy with the attorney that I worked with, Michael Georg. Very professional.
Attorney Chad Schomburg and Debt Advisors helped me with my debt about three years ago. Chad explained the process to me and answered any questions I had, and the assistants compiled my documentation very efficiently while keeping my case moving forward. They were always available when I needed them, and even years later, I’m able to reach out to them, and they are willing to help. They have turned my life around 100%, and I could not have done it without them! Absolutely recommended!
They were there for my family from day 1 until the end, 5 years later (Ch. 13). Whenever I had questions or concerns they were always very responsive and gave me excellent advice. Michael and Jeremy are both exceptional bankruptcy attorneys. I highly recommend Debt Advisors.
After I had to go on disability, I used my credit cards a lot more thinking I could pay them off when I was able to go back to work. That didn't happen and I found myself so much worse off than I could handle. I went to Debt Advisors feeling terrible about what I had to do. Chad and everyone there were very understanding and put my mind at ease while taking such great care of me. They were there every step of the way and supported me when I was "freaking out"!! Every time I needed to contact them; their response time was amazing!! God forbid I ever need to go through this again, but I know where to turn if I need help! Debt Advisors are more than just filing bankruptcy on my behalf. They really care about what you are going through!! Thank you, Chad, Jeremy, Mike, and everyone at Debt Advisors!! I cannot tell you enough how much I appreciate all of you!! J Hammond
Chad Schomburg and his Staff did a phenomenal job for me and in an expeditious manner. I've recommend countless clients to Chad Schomburg, Wow!!! Outstanding customer service from the Schomburg office:)
Michael George, helped us through our Chapter 13. I cannot believe how welcomed we both felt from the first call to the hearing. Any questions we had were answered in a timely manner. Phone access outstanding. The reassuring demeanor of Michael George and his staff, alleviated our worries, and stress over this matter. We were quickly taken care, and we both feel like a burden has been lifted. Thank you so much! Peter and Theresa Gosda
Highly recommended for anyone needing help to file bankruptcy! Chad makes the whole process completely seamless. Even after it has been so many years since filing, he still was able to help me track down much needed documents that I no longer had.
Very knowledgeable staff, I worked with Michel Georg, he was very nice and comforting, I didn't feel pressured to file anything but I felt I made a smart decision. I will most definitely recommend working with Debt Advisors.
After my divorce, I thought I was too broke to afford another attorney to help me through bankruptcy. Working with Michael George, and the Debt Advisor's team was affordable and pain free. Debt Advisors worked with my schedule. I completed the whole process using virtual meetings and emails. Their payment terms fit my budget. Making the decision to file bankruptcy was the hardest part of the process. I saw the benefits of my bankruptcy quickly. A week after my petition was filed: I got an email saying my credit score improved by 90 points. A month after: the past due amount on my cable bill was gone.
I was made to feel like the weight was off me when this process was done. Very happy with the whole timely process.5 star for me, for sure.
Any time I called with questions or concerns, someone responded quickly and professionally.
I worked with Chad S.and Jenny D. at Debt Advisors in the past, and enjoyed the professional, knowledgeable service that they provided. I recommend their services.
Jeremy was fantastic to work with. Can't say enough about Debt Advisors, they were all just so kind and professional. They made everything so easy and smooth.
Friendly and very efficient staff. Knowledgeable and very helpful in explaining the process.
I would definitely recommend Debt Advisors Law Offices to anyone in search of the most professional and experienced. Thanks for the amazing help!
i highly recommend thesis group...you will never find better
I want to thank Mike Georg and Janice Nabke for doing such an amazing job on my Bankruptcy. The whole process was very easy. They were there to make sure I understood what was happening every step of the way and answered all of my questions. When it came time for the hearing, I felt very prepared. I really cant express my gratitude enough for all their help.
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!
I had alot of questions & apprehensions before I filed for bankruptcy. Thanks to Mike Georg, Katie and the staff at Debt Advisors I no longer have to worry. They helped out along the way answering every question straight forward. I would recommend them to anyone in fear of filling bankruptcy. I know I did. Due to the pandemic things took a little longer than expected. But that was ok, now I can move on with my life. Without them I would be stuck in life. Thanks again.
Wonderful company to work with. They answered all of the questions I had in a timely manor with great detail and explanation.
They had great prompt service. Explained everything start to finish. Great people to work with! I recommend them 100%
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.
Love them they are great
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!
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.
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!
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!!
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!
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.
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.
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.
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!
Michael and his staff were beyond professional, I didn’t hesitate asking them any questions, I wasn’t concerned about anything, I would highly recommend them. Their communication is on point, friendly, kind, honest, patient, fast responses I’m completely satisfied with their service.
Awesome no worries no stress just done period
Was awesome to work with them! They helped me through a difficult time and really helped me move forward in life. Back over 700 credit score after 2 years from discharge and buying a new house.
They helped me with the bankruptcy case and they were very helpful in the information and they were friendly
Great company and so easy to work with! Would definitely recommend as they mad a difficult time in my life a little easier.
Quickly took all the pressures of collections and calls off mine and my wife's life. Fast to respond to questions and handle any concerns. Easy to work with and month out of my discharge my credit score in mid 600s . Can't thank our team enough.
I was refered by a friend and they were very nice and helpful and answered all my questions not knowing what to expect.
I have used Michael George at Debt Advisors a few times in the past, and enjoy the professional, knowledgeable service that he provides. His good sense of humor and easy going disposition make getting through your debt relief program a breeze! I highly recommend his services and helpful staff.
Best debt advisor there is. is very reasonable
Excellent communication and explanation of process. My questions were always answered in a timely manner.
I highly recommend Debt Advisors. They were very friendly and accommodating with all the communications i had with them. I was worried going through it but i after i felt alot better. Thank you for assisting me with my financial problems!
When I called Debt Advisors, I was very concerned about my financial future but after my first meeting with them I was relieved and confident that my situation and the process was in capable hands. Janice Nabke helped me and was very professional, positive and quick to respond to any question I had. Thank you!
Very helpful and always professional. Extremely knowledgeable
I was a previous client of Debt Advisors. The first day I met Mr. George his professionalism was outstanding! I was comfortable and relaxed during my consultation. Mr. Georg greeted me in person and the atmosphere was welcoming. Mr. Georg relocated to another place, however in the same town,. I was notified immediately, of the new location, which was an easy find. I thought, I was in a luxury hotel lobby.Once again, Mr. Georg greeted me in person, by this time I felt I had known him forever! Mr. George was easy to converse with and he went over all details I never once felt rushed. The quality of work speaks for itself, not to mention the good value. If I emailed him or phoned he always responded in the same day or the next day. My case was discharged, but if I had any questions Mr. George would always respond I have no complaint's.I will refer, friends and family to Debt Advisors. I would like to say !Thank you, all for your awesomeness!Carla Kelly!
Debt Advisors have been very helpful and very professional, they helped and assisted me with my situation. I am back on track with my credit thanks to Debt Advisors. J.W.
Chad's office is amazing and helped me out so quickly and professionally!
I was very fortunate to be represented by Debt Advisors Law Firm and highly recommend them to anyone that's looking to discharge their debt due to an unavoidable hardship.The entire staff is professionnel and very attentive. They made the process so easy and stress free.Do do not stress yourself any further. Contact Debt Advisors Law Firm immediately if you're in need of an awesome firm to represent you!You'll wish you had done it sooner! I certainly did!!Thanks again Debt Advisors!!
It’s a court-supervised process that helps homeowners negotiate better mortgage terms under Chapter 13 protection. An approved mediator works with you and your lender to explore modifications that could lower your payment or help you avoid foreclosure.
Occasionally, creditors can force an individual or business into bankruptcy if significant debts go unpaid. This action aims to protect creditors’ interests but comes with strict legal requirements and court oversight.
It’s a reference tool showing which documents or motions need to be filed during a bankruptcy case. This helps attorneys and self-filers keep track of important deadlines and procedures.
The Eastern District of Wisconsin website offers official bankruptcy forms and local documents you may need. Always use up-to-date versions to avoid delays.
While some people file independently, a Milwaukee bankruptcy attorney can ensure your mediation, pleadings, and document submissions meet strict court rules, saving you time and hassle.
From Chapter 13 Mortgage Modification Mediation to PDF formatting—it plays a vital role in successfully navigating bankruptcy in the Eastern District of Wisconsin. Ignoring these details can lead to delays, missed opportunities for relief, or even dismissal of your case.
Knowing the correct forms, understanding how mediation works, and ensuring your documents are correctly presented gives you a more substantial chance of achieving the financial outcome you need.
Whether modifying a mortgage or responding to an involuntary petition, each step matters—and having the proper guidance can make all the difference. If you're uncertain about any requirement, consulting a Milwaukee bankruptcy lawyer can help you stay on track and protect your rights.
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BEGIN YOUR FINANCIAL RECOVERY TODAYMounting debt can quickly spiral out of control, leading to relentless creditor calls, wage garnishments, and the threat of losing your home or car. Acting now to file for bankruptcy with the help of our Milwaukee bankruptcy lawyers can immediately halt these aggressive actions through an automatic stay, giving you the breathing room you need to regain control.
Delaying your decision only increases stress and financial strain, making it harder to find practical solutions. By taking swift legal action, you can protect your essential assets, stop further damage to your credit, and start the journey toward a fresh financial start.
Our experienced attorneys are dedicated to guiding you through the process efficiently and compassionately, ensuring you don’t have to face these challenges alone. Don’t wait—contact Debt Advisors Law Offices for your free consultation and take the first step toward securing your financial future.
Chapter 7 bankruptcy is designed to help individuals eliminate most unsecured debts, such as credit card balances and medical bills. If your income is below Wisconsin’s median income for your household size, you may qualify for Chapter 7.
| Pros | Cons |
| Quickly eliminate most unsecured debts | Strict eligibility based on income |
| Fast process, typically 3-6 months | May require liquidation of non-exempt assets |
| Provides a fresh financial start | Stays on credit report for up to 10 years |
Chapter 7 can quickly provide a fresh financial start if you have limited income and significant unsecured debt. Our Milwaukee bankruptcy lawyers will assess your situation to determine your eligibility and help you navigate the filing process smoothly.
Chapter 13 bankruptcy allows individuals with a steady income to create a repayment plan to pay off all or part of their debts over three to five years. This option is ideal if you want to keep your home or car and need time to catch up on missed payments.
| Pros | Cons |
| Allows you to keep your home and car | Repayment plan lasts 3-5 years |
| Restructures debt into manageable payments | Higher filing fees than Chapter 7 |
| Can help improve your credit score over time | Requires stable income |
If you have a reliable income and want to protect your assets while managing your debts, Chapter 13 might be the best option. Our Milwaukee bankruptcy lawyers will help you design a repayment plan that fits your budget and ensures you stay on track to complete the process successfully.
Filing fees differ for Chapter 7 and Chapter 13 in Wisconsin. Chapter 7 often has a lower court filing fee but may require you to pay for credit counseling and debtor education classes. Chapter 13 has a slightly higher filing fee, but you’ll structure monthly debt payments under a court-approved plan. Attorneys’ fees also vary—some law firms offer installment plans so that you can spread the cost over time. Before filing, ask for a written fee agreement to understand precisely what you’ll pay and when.
Legally, yes—you can file independently, known as “pro se.” However, bankruptcy laws are complex, and mistakes can lead to delays or dismissal of your case. Without proper legal guidance, you risk losing assets you could have otherwise protected under Wisconsin or federal exemptions. A bankruptcy attorney helps you gather necessary documents, ensure correct filings, and represent your interests if creditors challenge anything. That support can save you from costly errors and give you peace of mind.
Most filers gather pay stubs, tax returns, bank statements, credit reports, and a list of all debts before starting. You’ll also need proof of expenses (rent or mortgage, utilities, and insurance). Having these documents ready helps your attorney or the court get an accurate picture of your financial situation, ensuring you don’t miss any critical details. Missing or incomplete paperwork can delay your case, so being organized upfront makes the process smoother.
Bankruptcy usually erases credit card debt, medical bills, and other unsecured liabilities. However, student loans, recent tax debts, child support, or alimony obligations are generally not dischargeable. In Chapter 7, you’re no longer legally responsible once the debt is discharged. In Chapter 13, some debts get partially or fully paid off through your repayment plan. Reviewing all your debts with an attorney to see which ones will remain even after your case is finished is essential.
A Chapter 7 bankruptcy can remain on your credit report for up to 10 years, while a Chapter 13 typically stays for 7 years from the filing date. Despite these timelines, many people rebuild credit long before the bankruptcy drops off their report. Paying bills on time, using secured credit cards, and monitoring your credit score can help you regain financial health. Some find they can qualify for certain loans or car financing within a few years post-discharge.
Exemptions protect specific property—like part of the equity in your home or car—from being sold to pay creditors. Wisconsin has its own exemption rules, and you may choose between state or federal exemptions depending on which better protects your assets. For instance, the Wisconsin homestead exemption can safeguard up to $75,000 of equity in your primary residence. An attorney can help you determine which exemptions apply and how to maximize them.
Your eligibility to refile depends on the type of bankruptcy you previously filed and how much time has passed. For Chapter 7, there’s generally an eight-year waiting period between filings. For Chapter 13, you can refile sooner, but if you want to discharge debts again, there’s usually a two-year gap. Each case can vary, so if you’re in financial trouble after a prior bankruptcy, talk to a lawyer to determine your options.
At Debt Advisors Law Offices, we understand how overwhelming financial struggles can be, and we are here to guide you every step of the way. Filing for bankruptcy may seem daunting, but with the right legal support, it can offer a fresh start and help you regain control of your financial future.
Our experienced Milwaukee bankruptcy attorneys are dedicated to providing personalized, compassionate guidance tailored to your unique situation. Whether you’re facing wage garnishments, foreclosure, or crushing medical bills, we’ll work tirelessly to protect your rights, stop creditor harassment, and create a path toward lasting debt relief.
You don’t have to go through this alone—take the first step toward a brighter future by scheduling your free consultation today. Together, we’ll help you navigate the complexities of bankruptcy and secure the relief you deserve. Your financial recovery starts now!
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