Filing for bankruptcy is more than just paperwork—it’s a legal process that impacts your home, income, and future. With multiple chapters and complex eligibility rules, it can be tough to know where to begin.
An experienced Milwaukee bankruptcy lawyer helps you understand your options, respond to aggressive creditors, and avoid costly mistakes. Whether you’re considering Chapter 7 or Chapter 13, legal guidance ensures you meet every deadline and protect your rights.
At Debt Advisors, we don’t just fill out forms—we listen. Our attorneys walk you through your choices, help stop wage garnishments, and work to preserve what matters most: your home, your car, and your peace of mind.
Debt Advisors Law Offices has two accessible locations in Milwaukee County to better serve residents across the region: 2600 N. Mayfair Rd, Suite 700, Milwaukee, WI 53226 & 250 E Wisconsin Ave, Milwaukee, WI 53202
Whether you’re in Milwaukee, Madison, Kenosha, Oshkosh, or Green Bay, we offer both in-person and virtual consultations to fit your needs.
No matter your location, our mission is the same: to deliver clear, compassionate legal support that helps you take control of your financial future.
At Debt Advisors, we know that financial stress touches every part of life. Whether you're facing wage garnishment, foreclosure threats, or constant creditor pressure, we’re here to help. The first thing we do is listen. We take time to understand your situation - from unpaid medical bills and credit card debt to letters from creditors - and build a tailored strategy that fits your goals.
We collaborate with trusted professionals to assess how your debt started, how it's affecting your finances, and what legal solutions - like Chapter 7 or Chapter 13 - can help you recover. Our attorneys move quickly to stop creditor actions like wage garnishments or repossessions. If needed, we pursue formal legal routes to protect your rights and stabilize your future.
Throughout the process, we keep communication open and clear - so you’re never left guessing. Our job is to handle the legal burden so you can focus on moving forward with peace of mind.
Start Your Path to Relief with a Free Consultation
If you’re facing nonstop creditor calls or threats to your home or wages, you don’t have to handle it alone. Our Milwaukee bankruptcy lawyers can help you take back control—confidentially and with proven legal solutions.
Bankruptcy isn’t one-size-fits-all. Choosing the right chapter depends on your income, debt type, and financial goals. Our Milwaukee bankruptcy attorneys will walk you through both options—so you can make a fully informed decision.
Chapter 7 is designed for those with lower income and few assets. It wipes out unsecured debts like credit cards, medical bills, and personal loans in a matter of months.
Chapter 13 is a repayment plan. It helps you catch up on secured debts—like mortgage or car loans—while protecting your property from foreclosure or repossession.
We’ll help you understand the pros and cons of each, so you can move forward with confidence and a clear plan.
It’s a common concern—but the answer is often no. Bankruptcy laws include exemptions that can protect your primary residence and the car you depend on.
If your home or vehicle equity is within the limits set by Wisconsin or federal bankruptcy exemptions, you’ll likely be able to keep them.
Bankruptcy also triggers an automatic stay. This legal protection temporarily stops foreclosures, repossessions, and most collection actions—giving you time to catch up or explore new payment plans.
Creditors can’t take your assets without following the legal process, and our Milwaukee bankruptcy attorneys are here to make sure your rights stay protected every step of the way.
Bankruptcy filings have shown an upward trend in the Eastern District of Wisconsin. In November 2024, there were a total of 573 cases filed, comprising 364 Chapter 7 filings, 1 Chapter 11 filing, and 208 Chapter 13 filings.
Chapter 7 remains the most common option, allowing individuals to discharge unsecured debts like credit cards and medical bills. Chapter 13 offers a structured repayment plan for those with a steady income, helping to protect assets such as homes and vehicles.
Occasional filings under Chapter 11 and Chapter 12 indicate business reorganizations and farm-related bankruptcies, respectively. These numbers can fluctuate monthly due to various economic factors.
For the most current and detailed statistics, you can visit the official bankruptcy statistics page of the Eastern District of Wisconsin.
Filing in Milwaukee: What to Know
If you’re filing with the U.S. Bankruptcy Court for the Eastern District of Wisconsin (on East Wisconsin Avenue), arrive early and bring a valid photo ID. Appointments are usually required. For updated contact info and directions, visit the official court website.
Over the years, Debt Advisors has helped thousands of Wisconsin residents find a path out of financial hardship. While results vary, our attorneys consistently help stop wage garnishments, prevent foreclosures, and complete successful Chapter 7 discharges or Chapter 13 repayment plans.
We take a transparent, client-first approach—reviewing every case carefully and recommending legal strategies based on real experience and your specific financial situation.
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!!
This court-approved program helps homeowners modify mortgage terms while under Chapter 13 protection. A neutral mediator facilitates discussions between you and your lender—often leading to lower payments or options to prevent foreclosure, all within a structured legal process.
Creditors can sometimes force a person or business into bankruptcy through an involuntary petition—typically when large debts go unpaid. It’s rare and subject to strict court oversight, but it protects creditors’ rights while triggering bankruptcy proceedings.
A pleadings chart is a timeline-based reference tool listing the documents, motions, and deadlines required in a bankruptcy case. It helps attorneys and individuals stay organized and ensures timely filings during Chapter 7 or Chapter 13 proceedings.
You can download up-to-date bankruptcy forms directly from the Eastern District of Wisconsin bankruptcy court website. Using the correct forms ensures compliance with local rules and prevents costly delays in your case.
Bankruptcy law involves strict procedures and tight deadlines. A Milwaukee bankruptcy attorney can manage your pleadings, forms, and court-mandated steps like mortgage mediation—ensuring compliance, avoiding errors, and improving your chances of a successful outcome.
From Chapter 13 mortgage mediation to accurate form submissions, every detail counts. Mistakes can cause serious setbacks—or even case dismissal. Understanding your requirements and having the right legal guidance can help you avoid delays and stay on track.
If you’re unsure about any part of the process, a Milwaukee bankruptcy lawyer at Debt Advisors can provide the clarity and support you need.
Path to Financial Recovery with
Connect Now for a No-Cost, In-Depth Consultation.
Discover how personalized debt relief strategies from our Milwaukee bankruptcy attorneys can help you regain control. Whether you’re considering Chapter 7 or Chapter 13, we’ll guide you every step of the way. Get clear answers, proven support—and a plan that fits your life.
BEGIN YOUR FINANCIAL RECOVERY TODAYMounting debt often leads to sleepless nights, nonstop collection calls, and the real risk of wage garnishments or losing your home. Filing for bankruptcy activates an automatic stay, a legal tool that immediately stops most creditor actions and gives you space to regroup.
Waiting too long can make things worse. As interest, penalties, and legal threats pile up, your financial options may shrink. Acting early with help from a Milwaukee bankruptcy lawyer can preserve your assets and limit long-term credit damage.
At Debt Advisors, we’ve helped thousands in Wisconsin take control of their finances. We’ll guide you through Chapter 7 or Chapter 13 with clarity, efficiency, and personalized support.
Don’t wait for things to get worse. A free consultation could be your first step toward financial recovery.
Chapter 7 bankruptcy helps individuals discharge most unsecured debts, including credit card balances, medical bills, and personal loans. You may qualify if your income is below Wisconsin’s median for your household size. It’s often a fast solution for overwhelming debt.
| Pros | Cons |
| Discharges most unsecured debt | Eligibility based on income (means test required) |
| Faster resolution (typically 3–6 months) | Non-exempt property may be sold to repay creditors |
| Immediate protection from creditor actions | Affects credit report for up to 10 years |
If you’re dealing with high unsecured debt and limited income, Chapter 7 may be an efficient solution. Our Milwaukee bankruptcy attorneys will evaluate your eligibility and ensure your paperwork is properly prepared to avoid delays or dismissal.
Chapter 13 is a court-supervised repayment plan that allows you to restructure debt over 3 to 5 years. It’s ideal if you have regular income and want to keep important assets—like your home or car—while catching up on overdue payments.
| Pros | Cons |
| Lets you keep property (like your home or car) | Longer process (3 to 5 years) |
| Stops foreclosure and garnishment during repayment | Requires stable income and budget discipline |
| May improve credit over time through consistent payments | Higher filing costs and longer court oversight |
If you’re behind on payments but earning steady income, Chapter 13 may help you regain control. Our Milwaukee bankruptcy lawyers can tailor a repayment plan to meet court standards while fitting your financial situation.
Chapter 7 has a lower filing fee than Chapter 13, but both require credit counseling and debtor education. Attorney fees vary—some firms offer payment plans. Always request a written agreement outlining costs before moving forward.
Yes, but filing “pro se” carries risks. Bankruptcy laws are complex, and errors can delay or dismiss your case. A Milwaukee bankruptcy attorney ensures proper filings, helps protect your assets, and provides representation if creditors raise objections.
You’ll need recent pay stubs, tax returns, bank statements, a full debt list, and proof of expenses. Having these ready supports accurate filings and helps prevent delays in your Chapter 7 or Chapter 13 case.
Credit cards, medical bills, and personal loans are typically dischargeable. Student loans, recent tax debts, and domestic support obligations usually are not. An attorney can review your specific debts and explain what bankruptcy will and won’t clear.
A Chapter 7 stays for 10 years; Chapter 13 remains for 7. However, credit rebuilding can begin within a year through on-time payments and secured credit use. Many people qualify for financing before the bankruptcy fully drops off.
Exemptions protect essential property like home equity or a vehicle. Wisconsin’s homestead exemption allows up to $75,000 of equity protection. You can choose between state or federal exemptions depending on which better shields your assets.
For Chapter 7, there’s typically an 8-year wait between discharges. Chapter 13 may allow a new filing after 2 years. Refiling eligibility depends on your prior case outcome and timing—consult a lawyer for personalized guidance.
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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