Filing for bankruptcy on your own might seem manageable at first, but most people run into problems once they start dealing with eligibility rules, paperwork, and court requirements.
In Milwaukee, these cases are handled through the Eastern District of Wisconsin, where filings must meet strict requirements. Even small mistakes such as missing information or filing under the wrong chapter can lead to delays or limit the protections available to you.
Working with a bankruptcy lawyer helps you avoid those setbacks. You understand your options before filing, meet all requirements, and take action to stop creditor pressure as early as possible.
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 where you are located, you can speak with a bankruptcy attorney, review your options, and move forward without delays.
The process usually starts with a review of your financial situation. This includes your income, debts, assets, and any immediate issues such as wage garnishment or foreclosure risk. The goal at this stage is to understand whether filing makes sense and what direction your case should take.
Once you decide to move forward, the required documents are prepared and filed with the Eastern District of Wisconsin. Accuracy is important here, as incomplete or incorrect filings can delay your case or create complications.
After filing, the automatic stay goes into effect, which can stop most collection actions, including calls and garnishments. From there, your case follows a structured process until your case is resolved and your financial situation becomes more manageable.
Start Your Bankruptcy Consultation in Milwaukee
If you are dealing with ongoing debt, missed payments, or legal pressure from creditors, this is the point to get clear answers. A short consultation can help you understand where you stand and what options are available.
Many people wait too long because they are unsure if their situation is serious enough. In reality, certain patterns make it clear that debt is no longer manageable through regular payments.
If you’re relying on credit to cover regular expenses, falling behind on payments each month, or only able to manage minimum amounts due, it may be a sign that the current approach is no longer working. Ongoing collection calls, legal notices, or wage garnishment are also indicators that the situation has escalated beyond simple repayment.
At that point, taking legal action can help you address the problem instead of continuing to fall further behind.
The choice between bankruptcy options depends on a few key factors, not just the type of debt you have. Your income, monthly expenses, and whether you need to protect assets like a home or vehicle all play a role in what options may be available.
In some situations, faster debt relief may be possible. In others, a structured repayment plan may be more appropriate based on your ability to make ongoing payments. Timing also matters. Filing too early or waiting too long can affect what protections apply and how your case is handled.
A Milwaukee bankruptcy attorney can review your situation and help you understand which path aligns with your finances and long-term plans before any decision is made.
Bankruptcy filings have been rising again across the country, reflecting the financial pressure many households are facing. In the 12-month period ending December 2024, total filings in the United States increased by 14.2%, with over 517,000 cases filed, according to the Administrative Office of the U.S. Courts.
More recent data shows this trend continuing into 2025, with filings increasing again to over 529,000 cases, signaling that more individuals are turning to structured legal solutions instead of trying to manage growing debt on their own.
This pattern is reflected at the local level as well. In districts like the Eastern District of Wisconsin where both Chapter 7 and Chapter 13 filings remain common, depending on income levels and financial obligations.
Not every bankruptcy case should be handled the same way. The right approach depends on how your finances are structured and what outcome you are trying to achieve. Whether that is reducing unsecured debt, protecting assets, or creating a manageable path forward.
At Debt Advisors Law Offices, the focus is on making decisions that fit your situation before anything is filed. This includes looking at how timing, income, and obligations interact, rather than applying a one-size-fits-all approach. Our bankruptcy attorney will evaluate these factors carefully so the filing aligns with your financial position from the start.
This allows you to move forward with a clearer strategy, instead of reacting to issues after the process has already started.
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!!
Filing for bankruptcy can stop wage garnishment through the automatic stay, which goes into effect once your case is filed. In most cases, this applies to garnishments from credit cards, medical debt, and personal loans. Acting early with a Milwaukee bankruptcy attorney can help ensure the filing is timed correctly to stop deductions as soon as possible.
Whether you can keep your home or car depends on factors like loan status, equity, and the type of bankruptcy. In many situations, Chapter 13 may allow you to catch up on missed payments, while Chapter 7 may still protect certain assets under Wisconsin exemption laws. The right approach depends on how your finances are structured.
Before your consultation, it helps to gather a general overview of your finances, including income, debts, monthly expenses, and any urgent issues like collection notices or garnishments. You don’t need everything organized perfectly, but having a clear picture of your situation allows for a more focused and productive conversation about your options.
Most unsecured debts, including credit cards and medical bills, are typically addressed in bankruptcy. In many cases, Chapter 7 bankruptcy may eliminate these debts, while Chapter 13 may restructure them into a manageable repayment plan. The outcome depends on your eligibility and overall financial situation.
The timeline depends on the type of filing and case complexity. Chapter 7 cases are often completed in a few months, while Chapter 13 involves a structured repayment period that can last several years. The process itself begins immediately after filing, especially when legal protections take effect.
Eligibility is generally based on income, debt levels, and your ability to repay what you owe. Certain filings require passing a means test, while others are based on having a regular income to support a repayment plan.
Bankruptcy involves specific requirements, timelines, and financial considerations, and having clarity on these points makes it easier to move forward with confidence.
If you’re unsure how any of these apply to your situation, a bankruptcy attorney in Milwaukee can help you connect these general answers to your specific circumstances and decide what step makes the most sense.
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If your debt situation is becoming harder to manage, this is the point to take a closer look at your options. A focused conversation can help you understand where you stand, what solutions may be available, and what steps make sense based on your finances.
BEGIN YOUR FINANCIAL RECOVERY TODAYWhen debt starts falling behind, it usually doesn’t stay at the same level. Balances increase, payments become harder to keep up with, and pressure from creditors tends to build over time.
What often changes is not just the amount owed, but the situation around it. Missed payments can turn into collection actions, and in some cases, legal steps like garnishment or foreclosure begin. Once that happens, there is less flexibility in how the situation can be handled.
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.
Filing costs vary based on the type of case and legal fees. Court filing fees are standard, while attorney fees depend on complexity and individual circumstances.
You can file on your own, but the process involves strict requirements. Many people choose to work with a Milwaukee bankruptcy lawyer to avoid errors and delays.
You’ll typically need income records, recent tax returns, a list of debts, monthly expenses, and details about assets. Having this information ready helps move your case forward.
Most unsecured debts like credit cards and medical bills can be addressed. Certain obligations, such as recent taxes, child support, or student loans, may not be fully discharged.
Bankruptcy can remain on your credit report for several years, depending on the type filed. However, many people begin rebuilding credit well before that period ends.
Exemptions allow you to protect certain assets, such as a portion of home equity, vehicles, and personal property, depending on Wisconsin laws and your financial situation.
There are time limits between filings, which vary based on the type of bankruptcy previously filed. These rules determine when you can seek relief again.
Dealing with ongoing debt can feel overwhelming, especially when payments, collection pressure, and financial uncertainty continue to build. Taking the next step starts with understanding your situation and what options may be available to you.
At Debt Advisors Law Offices, the focus is on helping you move forward with clarity and a plan that fits your financial position. A free consultation gives you the opportunity to review your situation, ask questions, and understand what comes next.
You don’t have to figure this out on your own. Taking action now can help you regain control and move toward a more stable financial future.
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