Are you facing any of these overwhelming financial challenges?
You’re not alone. These are common scenarios that drive many Milwaukee residents to seek bankruptcy protection. At Debt Advisors Law Offices, we’ve helped thousands break free from debt and start anew.
Our expert team specializes in both Chapter 7 and Chapter 13 bankruptcy, tailoring our approach to your unique situation. Whether you’re dealing with job loss, medical emergencies, divorce, business failure, or an underwater mortgage, we have the experience and compassion to help you navigate this challenging time.
Don’t let financial burdens control your life any longer. Take the first step towards a debt-free future today.
Call (866) 696-6432 now for your free, no-obligation consultation with an experienced attorney!
Virtual meetings and affordable payment plans are available.
Discover your path to financial freedom today!
Debt Advisors Law Offices Milwaukee is on the 7th floor of a high-rise building located in the parking lot next to Mayfair Mall. We are in Milwaukee County, but with both virtual and in-person meetings, clients come to us from all over Wisconsin. We have represented folks from many nearby counties including Waukesha County, Dodge County, Washington County, Jefferson County and Dodge County.
At Debt Advisors, we're committed to providing comprehensive solutions to your financial challenges. Here's how we can help:
Reclaim your financial freedom today. Call (866) 696-6432 now for your free consultation!
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Discover Customized, Compassionate Solutions for Debt Relief. Our Experienced Attorneys are Ready to Guide You to Financial Stability.
At Debt Advisors Law Offices, we go beyond legal services:
We’re committed to your long-term financial health, providing support even after your case closes.
Seeking advice isn’t just smart—it’s the first step to reclaiming your financial future.
For over a decade, Debt Advisors Law Offices has been a leading force in bankruptcy and debt relief across Wisconsin. From Milwaukee to Green Bay, we’ve helped thousands of individuals and families regain their financial footing. Our skilled attorneys specialize in stopping foreclosures, preventing repossessions, ending wage garnishments, and silencing harassing collection calls.
We understand that each financial situation is unique, which is why we offer personalized strategies tailored to your specific needs. If you’re struggling with overwhelming debt, don’t hesitate to reach out. We offer a free, confidential consultation with no obligation to hire. Your path to financial freedom starts here.
Take the first step towards a debt-free future. Your financial well-being is our top priority.
Considering bankruptcy? We’re here to guide you:
Don’t let stereotypes or unknowns hold you back. Our easy-going demeanor and expert advice make this difficult decision easier.
Bankruptcy might be your best option if you’re:
We help both individuals and businesses find financial relief through bankruptcy.
Not sure if bankruptcy is right for you?
Our team will handle all details, ensuring a quick and accurate process tailored to your needs.
Yes, you can file bankruptcy in Milwaukee county, regardless of income. Your job status determines which type of bankruptcy you may qualify for. However, filing bankruptcy in the Milwaukee, Wisconsin Metro does not depend on your work status.”
Types of Bankruptcy
“If you live or work in Milwaukee and are receiving unemployment benefits, these benefits may be exempt when filing bankruptcy under the State of Wisconsin. In addition to unemployment, there are many additional exemptions offered.”
List of Wisconsin Bankruptcy Exemptions
“Employers are not directly notified when you file for bankruptcy in Milwaukee, or any other city in Wisconsin. A bankruptcy is public record, but there are hoops to jump through to obtain it. There is a login and password required, and fees associated with the lookup.”
What to Expect After Bankruptcy
“Anyone can opt to file independently without a lawyer. It’s a hassle and a big risk; a chance that most people don’t want to take. The decisions are ultimately yours. Keep in mind that the bankruptcy process can be complicated and burdensome to someone who is not familiar with the bankruptcy code or Wisconsin exemptions. The goal is to get out of debt as quickly and painlessly as possible. Small mistakes can lead to unnecessary costs, loss of unecessary assets, and additional stress. We strive to be as helpful and convenient as possible, which is why we offer a free consultation, affordable payment plans and multiple locations. Read our client reviews to find out what others say about our bankruptcy services”
7 Wisconsin Bankruptcy Offices
Debt Advisors Downtown is East of Miller Park, South of The University of Milwaukee, just East of the shores of Lake Michigan and due North of Henry Majer Festival Park.
The communities of West Town, East Town, and The Historic Third Ward are all served by the Downtown Milwaukee office.
Our attorneys can assist with Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Repossession, Eviction, Foreclosure, Mortgage Modification, Wage Garnishment, Creditor Harassment , Creditor and Debt Collector Lawsuits
Take Highway 45 to Watertown Plank Road. Exit West to Hwy 100, also known as Mayfair Road. Follow Mayfair road just past Mayfair Mall to the high-rise Bank Mutual Building. You can also use the Interstate I-94 route to Highway 100, or Highway I-90 or Highway 18, (Bluemound Road.) The building we are located in is at the corner of Mayfair Road and W. Center Street. (Also across from Wells Fargo Bank.) Take the elevators up to the 7th floor to meet with your bankruptcy attorney
Strategically located in the heart of Milwaukee, the Downtown Milwaukee office serves as a beacon of legal expertise and dedication. With a team of seasoned professionals, a commitment to client success is more than a promise—it’s a guarantee.
Bankruptcy can happen to anyone, regardless of where work or home may be. As a consumer, you have rights. We know the laws inside and out. We help protect what is most important to our clients. At our Milwaukee, Wisconsin location, our bankruptcy attorneys typically see people who work or live in: Metro-Milwaukee, Wauwatosa, Brookfield, Elm Grove, West Allis, West Bend, Waukesha, Bay View, St. Francis, Greendale, Greenfield, Bayside, Glendale, New Berlin, Hales Corners, Muskego and Mukwonago.
Path to Financial Recovery with
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Learn How Our Tailored Debt Solutions and Dedicated Legal Support Can Help You Navigate Bankruptcy with Confidence and Ease. Your Fresh Start Begins Here.
BEGIN YOUR FINANCIAL RECOVERY TODAYKey Differences at a Glance
Bankruptcy, often seen as a last resort, can be a path to financial freedom for those struggling with overwhelming debt. At Debt Advisors, we specialize in guiding Milwaukee residents through this complex process.
Chapter 7 | Chapter 13 |
Quick resolution | Long-term repayment plan |
May require asset liquidation | Allows keeping valuable assets |
Discharges most unsecured debts | Restructures debts |
Our experienced Milwaukee bankruptcy lawyers offer:
Remember, bankruptcy is a complex decision. Let our experts help you navigate this journey towards financial freedom.
Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” provides individuals an
opportunity to eliminate most of their unsecured debts. These debts typically include credit
card balances, medical bills, and personal loans. Unlike other forms of bankruptcy, Chapter
7 allows for a relatively quick discharge of debts, offering a financial fresh start.
To qualify for Chapter 7, individuals must pass a means test. Conducted by a Milwaukee
bankruptcy lawyer from Debt Advisors, the means test evaluates an individual’s financial
situation by comparing income to the median income in Wisconsin. Expenses such as rent,
utilities, and healthcare are also considered. Failing the means test may disqualify an
individual from Chapter 7, but other bankruptcy options like Chapter 13 could still be
available.
Chapter 13 bankruptcy, often termed “reorganization bankruptcy,” serves as a legal framework
for individuals to restructure their debts while retaining valuable assets like a home or
car. Unlike Chapter 7, which liquidates assets to pay off debts, Chapter 13 allows
individuals to create a repayment plan to pay back a portion of their debts over a period of
3 to 5 years.
Qualifying for Chapter 13 involves meeting specific criteria. A steady source of income is
crucial, as the debtor must prove the ability to meet the repayment obligations under the
proposed plan. Additionally, there are debt limits for Chapter 13; as of 2022, unsecured
debts must be less than $419,275, and secured debts must be under $1,257,850. A Milwaukee
bankruptcy lawyer from Debt Advisors can help assess eligibility based on these and other
factors.
Chapter 7 bankruptcy focuses on liquidating assets to discharge unsecured debts, offering a quicker path to financial freedom. In contrast, Chapter 13 involves restructuring debts into a manageable repayment plan, allowing individuals to keep valuable assets like a home or car.
Both Chapter 7 and Chapter 13 will have a negative impact on a credit score initially. However, many find that their credit starts to improve a few years after the discharge, especially if they practice good financial habits moving forward.
Retaining a home and car is more straightforward in Chapter 13, which allows for the restructuring of debts, including mortgage and car payments. In Chapter 7, keeping these assets is conditional and depends on whether they are considered exempt under state law.
Chapter 7 is generally faster, often taking just a few months to complete. Chapter 13, on the other hand, requires a 3-5 year commitment to a repayment plan, making it a longer process.
Certain debts like student loans, alimony, and specific types of taxes are not dischargeable in either Chapter 7 or Chapter 13. These will remain even after the bankruptcy process is complete.
There are restrictions on how often one can file for bankruptcy. For example, eight years must pass between Chapter 7 filings, and two years between Chapter 13 filings. Mixing chapters also has its own set of rules.
While it’s technically possible to file for bankruptcy without legal representation, it’s highly recommended to consult an attorney. Legal guidance can help navigate the complexities of bankruptcy law and increase the likelihood of a favorable outcome.
The means test is a crucial part of Chapter 7 eligibility. It assesses an individual’s income and expenses to determine if they genuinely cannot repay their debts. Failing the means test usually means Chapter 7 is not an option.
If a Chapter 13 repayment plan is not completed due to circumstances like loss of income, there are usually two options: converting the case to a Chapter 7 bankruptcy or facing case dismissal, both of which have their own implications.
Before deciding on bankruptcy, other options like debt settlement, negotiation with creditors, and credit counseling should be considered. These alternatives can sometimes resolve financial issues without the long-term impact of a bankruptcy filing.
Bankruptcy is often viewed as a last resort, a step taken when all other options have been exhausted. However, when approached with the right guidance and understanding, it can serve as a powerful tool for financial rejuvenation. Whether opting for the swift debt discharge of Chapter 7 or the structured repayment plan of Chapter 13, each path offers a unique set of advantages and challenges. Making an informed decision between these two options is crucial, as the implications can significantly impact one’s financial future.
Debt Advisors, with its team of skilled Milwaukee bankruptcy lawyers, is a valuable source of expertise for those navigating the complexities of bankruptcy. Offering personalized consultations and a range of services tailored to individual needs, Debt Advisors is committed to helping Milwaukee residents find the most suitable path to financial stability. From the initial consultation to the final discharge of debts, the firm provides a holistic approach to bankruptcy, ensuring that clients are well-informed and well-supported throughout the process.
In a world where financial uncertainties can quickly spiral into overwhelming debts, having a reliable guide can make all the difference. Debt Advisors remains steadfast in its commitment to offering comprehensive and compassionate bankruptcy services to the Milwaukee community.Bankruptcy can be the start of a better financial future. For personalized advice tailored to your unique financial situations, schedule a consultation with a Milwaukee bankruptcy lawyer from Debt Advisors today.
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