Filing bankruptcy requires a complete and accurate financial record, not just a list of debts. Income, expenses, property, recent payments, creditor claims, and exemption choices all affect how the case is reviewed. A small mistake can delay relief or create questions from the trustee.
Madison cases are handled through the U.S. Bankruptcy Court for the Western District of Wisconsin. That means your case follows federal bankruptcy rules, but Wisconsin exemptions, local procedures, and trustee review still affect how your filing is prepared.
A Madison bankruptcy lawyer helps you understand what protection is available before the case is filed. That may include stopping creditor calls, preventing wage garnishment, protecting exempt property, or deciding whether Ch. 7, Ch. 13, or a Wisconsin Ch. 128 plan is the better fit.
Debt Advisors Law Offices’ Madison office is easy to reach from I-90, Exit 135, then High Crossing Boulevard and Crossroads Drive. For Madison residents, that means local bankruptcy guidance is available without traveling across Wisconsin or trying to manage everything by phone.
The office serves clients in Madison and nearby communities, including Monona, Shorewood Hills, Middleton, Verona, Fitchburg, McFarland, Sun Prairie, Cottage Grove, Waunakee, and DeForest.
Clients can meet in person or schedule a virtual consultation, depending on what fits their work, family, and transportation needs.
Know where you stand right now
A consultation gives you a clear read on what can be stopped, what cannot, and which debt relief option is worth considering.
The first step is to look at what is happening financially right now. Your Madison bankruptcy attorney will review income, debts, property, monthly bills, and any creditor action already in motion. Credit counseling is also required early because federal law generally requires it within 180 days of the petition being filed.
After the petition is filed in the Western District of Wisconsin, the automatic stay usually takes effect. That protection can pause collection calls, lawsuits, garnishments, foreclosure activity, and repossession efforts while the case moves forward. The protection comes from 11 U.S.C. § 362, but some exceptions can apply depending on the debt and case history.
After filing, you will also attend a required § 341 meeting with the trustee. The trustee reviews your paperwork and asks basic questions about your finances before the case continues.
The right chapter depends on what needs to be protected. For credit cards, medical bills, personal loans, and older collection accounts, Chapter 7 may be worth reviewing because it is focused on discharging unsecured debt.
Chapter 13 is different. It may fit better when you are behind on a mortgage, vehicle loan, taxes, or another obligation tied to property or priority debt. Qualified filers use a court-approved repayment plan, usually over 3 to 5 years, instead of trying to fix every missed payment at once.
This decision should be made before the petition is filed. A Madison bankruptcy lawyer can review your debt, income, property, and creditor activity together, then explain whether Chapter 7 or Chapter 13 is more likely to solve the actual problem.
Bankruptcy is filed under federal law, but Wisconsin rules can affect what happens to your property. If you own a home, vehicle, tools, or valuable household property, your lawyer may need to compare Wisconsin exemptions with the federal § 522(d) system before filing.
Wisconsin also has Chapter 128, a state wage-earner repayment option. It can place certain debts into a court-supervised repayment plan, but it does not create a bankruptcy discharge or provide the same broad automatic stay protection as Chapter 7 or Chapter 13.
Understanding these state-specific factors helps ensure that your case is structured correctly from the start.
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!!
A bankruptcy case works better when the important details are reviewed before filing. Our attorney reviews your debts, income, property, monthly bills, and any creditor actions already underway, including lawsuits, garnishments, foreclosure notices, or repossession threats.
The next step is narrowing the options. A case built around credit cards or medical bills is different from one involving missed mortgage payments, vehicle loans, tax debt, or property that needs exemption planning.
That early review gives the case a clearer direction. Before the court process begins, you understand which chapter is being considered, what property may be protected, which debts may remain, and what information is still needed.
Debt problems become harder to control once creditors take formal action. By the time wages are being withheld, a court judgment is entered, or a bank account is at risk, your options may become more limited.
A free consultation gives you a practical read on where things stand now, what bankruptcy may protect, what it may not fix, and whether Chapter 7, Chapter 13, or another Wisconsin debt option is worth reviewing.
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When debt starts affecting your paycheck, home, vehicle, or daily budget, the next step should be based on facts, not panic.
BEGIN YOUR FINANCIAL RECOVERY TODAYYes, most individual filers must complete approved credit counseling before filing. Under 11 U.S.C. § 109(h), it is generally required within 180 days before filing.
No. Chapter 128 is filed through the Wisconsin state court, not the federal bankruptcy court. It can help some wage earners repay debts through a court plan, but it does not wipe out debt like a bankruptcy discharge.
In many cases, yes. Wisconsin filers may use either Wisconsin exemptions or federal § 522(d) exemptions. The better choice depends on what needs protection, such as home equity, vehicle value, household property, or tools used for work.
Yes, but it can be difficult to fix mistakes after filing. Bankruptcy involves schedules, exemptions, income review, deadlines, and trustee questions. If something is missing or listed incorrectly, the case may be delayed or dismissed.
Bring documents that show your current financial picture, such as pay stubs, bills, collection letters, court papers, tax returns, loan statements, and a list of property, vehicles, and debts.
If debt is now affecting how you make everyday decisions, it may be time to look at the legal options.
Debt Advisors Law Offices can review the facts, explain what may change if you file, and help you understand which debts or assets need closer attention.
You do not need a perfect file before reaching out. Start with the problem in front of you, and the team can tell you what documents matter next.
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