Why Choose Us

Chapter 13 bankruptcy offers a structured repayment plan that lets you keep your property while catching up on overdue payments. This option works well if you have regular income but have fallen behind on mortgage payments, car loans, or other secured debts. Over three to five years, you'll make monthly payments to a trustee who distributes funds to your creditors according to a court-approved plan. Our attorneys will help you understand which debts can be included, how much you'll need to repay, and whether you qualify for this reorganization option.

Chapter 7 bankruptcy provides the fastest route to debt relief by discharging most unsecured debts like credit cards, medical bills, and personal loans. Often called liquidation bankruptcy, Chapter 7 allows you to eliminate qualifying debts within months rather than years. Wisconsin's generous exemptions often mean you can protect your home, vehicle, and other essential assets throughout the process. We'll conduct a thorough means test to determine your eligibility and explain exactly how Chapter 7 will impact your specific financial situation. Our extensive experience ensures you'll understand every step before moving forward.

Sometimes direct negotiation with creditors can reduce your debt without filing bankruptcy. Our attorneys can communicate with creditors on your behalf to arrange reduced settlements, lower interest rates, or modified payment terms. This approach can be particularly effective for medical debt, credit card balances, and other unsecured obligations. We'll leverage our experience to pursue the best possible terms while protecting your rights. Because each attorney at our firm specializes in different areas, you'll benefit from focused attention that ensures your needs are met throughout the negotiation process.