Downtown Milwaukee

Debt Advisors Law Offices Downtown Milwaukee

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Bankruptcy Lawyer Downtown Milwaukee

We are Downtown Milwaukee area bankruptcy lawyers who have a significant number of positive online reviews. Why? Because we have helped thousands of people, just like you, get out from underneath their financial burdens. We offer expert bankruptcy services that are affordable, safe & effective.

Directions for your Downtown Milwaukee Bankruptcy Lawyer

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 home to popular events such as Summerfest, Festa Italiana and Irish Fest.) Most of the major Wisconsin interstates will get you close to our downtown Office but only I-794 has exits that actually feed into the downtown area. If you prefer to avoid the interstate, travel East on WI 18,(Bluemound Road), East on W. Wisconsin Avenue, or East on W. St. Paul Avenue. Keep in mind that our office is on the East side of The Milwaukee River so these streets that have a West directional will change to East just across the river, and as you near our office on E. Wisconsin Avenue. The largest cross street to our office is Water Street.

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Discover Customized, Compassionate Solutions for Debt Relief. Our Experienced Attorneys are Ready to Guide You to Financial Stability.

Communities of Debt Advisors Downtown

The communities of West Town, East Town, and The Historic Third Ward are all considered part of downtown Milwaukee. The building that Debt Advisors Law Offices Downtown Milwaukee occupies is a large tower in the heart of downtown Milwaukee. As with the other five Wisconsin locations, downtown also offers convenient parking options.

The Debt Advisors Law Offices in downtown Milwaukee, situated in a prominent tower, serve as a key legal hub. This location, easily accessible and surrounded by the vibrant communities of West Town, East Town, and The Historic Third Ward, is notable for its central position. It blends seamlessly into the bustling downtown area, providing a convenient and strategic location for clients seeking legal advice in debt-related matters.

Bankruptcy May Be Right For You

We file bankruptcy for both residential and commercial clients. In some cases, bankruptcy can completely eliminate debt. People are grateful for this! If you’ve come to this page still wondering if bankruptcy is right for you, take advantage of the free case evaluation we offer.

All you have to do is fill out the form on this paged titled, “Start Right Here.” That form fill will trigger a call from Debt Advisors Law Offices to schedule a time that works for you. Talking to a bankruptcy attorney over the phone should put your mind at ease. From there, you can schedule a “face to face” with a debt attorney who specializes in the area of bankruptcy.

The information provided in the consultation will in the least, provide enough information for you to determine your next step. If you decide that bankruptcy is right for you, the attorneys at Debt Advisors will take it from there; personally handling all of the details of your case so that it can be done quickly, and accurately, based upon the bankruptcy code and aligned with the specific needs of you and your family.

Development of Wisconsin Avenue Downtown: https://www.milwaukeedowntown.com/doing-business/emerging-projects/

Make sure you get around any construction on the way to Debt Advisors Law Offices Downtown Milwaukee: https://projects.511wi.gov/region/southeast/

Recent Client Reviews and Testimonials

  • 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!

    J B.
  • 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.

    Terri G.
  • 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!

    Tim H.
  • 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.

    Steve
  • 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

    J H.
  • 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:)

    Lisa W.
  • 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

    Theresa G.
  • 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.

    Jenny N.
  • 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.

    Jalaiya H.
  • 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.

    Terry H.
  • 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.

    william t.
  • Any time I called with questions or concerns, someone responded quickly and professionally.

    Sally A.
  • 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.

    Andrew D.
  • 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.

    Steven A.
  • Friendly and very efficient staff. Knowledgeable and very helpful in explaining the process.

    Kay G.
  • I would definitely recommend Debt Advisors Law Offices to anyone in search of the most professional and experienced. Thanks for the amazing help!

    TheCurtains81
  • i highly recommend thesis group...you will never find better

    debra f.
  • 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.

    Jessica S.
  • 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!

    Arlandus M.
  • 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.

    Joshua A.
  • Wonderful company to work with. They answered all of the questions I had in a timely manor with great detail and explanation.

    Jamie P.
  • They had great prompt service. Explained everything start to finish. Great people to work with! I recommend them 100%

    Eric S.
  • 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.

    Shetara J.
  • Love them they are great

    Tevin B.
  • 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!

    Howard L.
  • 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.

    Angela M.
  • 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!

    Darrel A.
  • 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!!

    Suseela R.
  • 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!

    Tami M.
  • 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.

    Marco R.
  • 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.

    Kurt C.
  • 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.

    DENISE M.
  • 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!

    Samantha S.
  • 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.

    amoshgar z.
  • Awesome no worries no stress just done period

    Yolanda C.
  • 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.

    Anthony P.
  • They helped me with the bankruptcy case and they were very helpful in the information and they were friendly

    desilu m.
  • Great company and so easy to work with! Would definitely recommend as they mad a difficult time in my life a little easier.

    Nicole W.
  • 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.

    James B.
  • I was refered by a friend and they were very nice and helpful and answered all my questions not knowing what to expect.

    Heather H.
  • 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.

    Ed R.
  • Best debt advisor there is. is very reasonable

    Britt C.
  • Excellent communication and explanation of process. My questions were always answered in a timely manner.

    Victor P.
  • 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!

    Lebin S.
  • 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!

    John T.
  • Very helpful and always professional. Extremely knowledgeable

    Genya K.
  • 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!

    Carla R.
  • 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.

    JEFF W.
  • Chad's office is amazing and helped me out so quickly and professionally!

    Sara J.
  • 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!!

    Tawana M.

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Understanding Chapter 7 and Chapter 13 Bankruptcy

Key Differences, Processes, and Benefits

Bankruptcy is a term that often evokes a sense of dread and uncertainty. Yet, when faced with insurmountable debts and relentless creditors, it can serve as a viable solution and a path to financial freedom. Understanding the intricacies of bankruptcy, particularly the differences between Chapter 7 and Chapter 13, is important for anyone contemplating this significant financial decision. Each chapter offers a distinct approach to debt relief, and the choice between the two can have long-lasting implications on one’s financial health and lifestyle.

Debt Advisors, specializes in guiding individuals through the process of bankruptcy. With years of experience and a team of dedicated Milwaukee bankruptcy lawyers, Debt Advisors offers a comprehensive suite of services designed to help clients make informed decisions. Whether it’s liquidating assets to discharge debts in a Chapter 7 bankruptcy or restructuring debts in a Chapter 13 repayment plan, the firm provides expert advice tailored to each client’s unique financial situation.

While Chapter 7 offers a relatively quick resolution, it may require the liquidation of non-exempt assets to pay off creditors. On the other hand, Chapter 13 allows individuals to keep their valuable assets but demands a long-term commitment to a repayment plan. Both options come with their own sets of eligibility criteria, benefits, and drawbacks, making it crucial to consult an expert for personalized guidance.

In the following sections, a detailed exploration of Chapter 7 and Chapter 13 bankruptcy will be provided, covering definitions, eligibility criteria, processes, benefits, and drawbacks. An FAQ section will address common concerns and questions, aiming to offer a comprehensive understanding of these complex financial tools. The objective is to equip Milwaukee residents with the knowledge they need to navigate their financial challenges effectively and to highlight Debt Advisors’ commitment to providing reliable, compassionate bankruptcy services.

  • What is Chapter 7 Bankruptcy?

    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.

    Eligibility for Chapter 7 Bankruptcy

    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.

    The Process for Chapter 7 Bankruptcy

    • Initial Consultation: The first step involves scheduling a meeting
      with
      a Milwaukee
      bankruptcy lawyer at Debt Advisors. During this consultation, the attorney will
      assess
      the financial situation, discuss options, and determine if Chapter 7 is the most
      suitable path.

    • Filing the Petition: After the initial consultation, necessary
      documents are compiled
      and submitted to the court to initiate the bankruptcy process. These documents
      include
      lists of assets, debts, income, and expenses.

    • Bankruptcy Trustee: Upon filing, a bankruptcy trustee is appointed
      to
      oversee the case.
      The trustee’s role includes reviewing the documents, liquidating non-exempt assets,
      and
      distributing the proceeds to creditors.

    • 341 Meeting of Creditors: Named after Section 341 of the Bankruptcy
      Code, this meeting
      allows creditors to question the debtor about their financial affairs and property.
      While attendance is mandatory, creditors rarely appear, and the meeting is usually
      brief.

    • Discharge of Debts: Approximately 60 to 90 days after the 341
      meeting,
      most unsecured
      debts are discharged, meaning they are legally eliminated and no longer require
      repayment.

    The Benefits of Chapter 7 Bankruptcy

    • Swift Relief from Unsecured Debts: One of the most
      significant
      advantages of
      Chapter 7 is the quick elimination of unsecured debts, often within a few
      months.

    • No Mandatory Repayment Plan: Unlike Chapter 13, Chapter 7
      does
      not require the
      debtor to enter into a repayment plan. Once the debts are discharged, the
      individual is no longer responsible for them.

    • Retention of Exempt Assets: Wisconsin law allows individuals
      to
      keep certain
      assets, such as a primary residence or a modest car, even after filing for
      Chapter 7.

    The Drawbacks of Chapter 7 Bankruptcy

    • Risk of Losing Non-Exempt Assets: Any asset not covered by
      Wisconsin’s exemption
      laws is at risk of being sold by the bankruptcy trustee to repay creditors.

    • Negative Impact on Credit Score: Filing for Chapter 7 will
      significantly lower a
      credit score and will remain on a credit report for up to 10 years. However,
      many individuals find that they can start rebuilding their credit soon after
      the
      discharge.


  • Chapter 13 Bankruptcy

    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.

    Eligibility for Chapter 13 Bankruptcy

    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.

    The Process of Chapter 13 Bankruptcy

    • Initial Consultation: The journey begins with a comprehensive
      consultation with a Milwaukee bankruptcy lawyer at Debt Advisors. During this
      meeting,
      the attorney will evaluate the financial situation, discuss the pros and cons of
      Chapter
      13, and help decide if it’s the right choice.

    • Repayment Plan: After the initial consultation, a 3-5 year repayment
      plan is developed. This plan outlines how much will be paid to each creditor and in
      what
      time frame. The amount is usually based on disposable income, which is the income
      remaining after essential expenses.

    • Filing the Petition and Plan: Once the repayment plan is ready, the
      next step involves filing a petition along with the plan and other required
      documents
      with the bankruptcy court. This action officially initiates the Chapter 13 process.

    • Confirmation Hearing: After filing, a confirmation hearing is
      scheduled. During this hearing, a judge reviews the repayment plan to ensure it
      meets
      legal requirements and is fair to creditors. If approved, the plan goes into effect.

    • Commencement of Payments: Following plan approval, payments must
      begin
      within 30 days, even if the court has not yet approved the plan. Payments are
      usually
      made to the bankruptcy trustee, who then distributes the funds to creditors.

    • Discharge: Upon successful completion of the repayment plan, the
      remaining unsecured debts are discharged, effectively eliminating the obligation to
      pay
      them.

    The Benefits of Chapter 13 Bankruptcy

    • Opportunity to Catch Up on Mortgage or Car Payments:
      Chapter 13 allows individuals to make up for missed mortgage or car payments
      through the repayment plan, thus avoiding foreclosure or repossession.

    • Safeguarding of Non-Exempt Assets: One of the most appealing
      aspects of Chapter 13 is the ability to keep valuable assets that might be
      lost
      in a Chapter 7 bankruptcy.

    • Financial Discipline: The structured nature of the repayment
      plan helps instill financial discipline, as it requires regular monthly
      payments
      over an extended period.

    The Drawbacks of Chapter 13 Bankruptcy

    • Extended Commitment Period: One of the most significant
      challenges of Chapter 13 is the length of the commitment. The repayment plan
      lasts for 3 to 5 years, requiring a long-term financial obligation.

    • Steady Income Requirement: Chapter 13 demands a consistent
      income to meet the repayment obligations. Loss of income during the
      repayment
      period could result in the failure of the plan, leading to case dismissal or
      conversion to Chapter 7.

Frequently Asked Questions About Bankruptcy

  • Where is the Downtown Milwaukee office located?

    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.

  • Which neighborhoods are served by the Downtown Milwaukee office?

    The communities of West Town, East Town, and The Historic Third Ward are all served by the Downtown Milwaukee office.

  • What services are available at 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

Our commitment to serving Downtown Milwaukee residents with unparalleled dedication and expertise remains unwavering. Unique advantages come with consulting a local, downtown-based team.

Schedule a consultation at the Downtown Milwaukee location today, and experience firsthand the advantages of working with a dedicated, local team.

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