BEATS BANKRUPTCY.... AND DEBT CONSOLIDATION!
What is Wisconsin Chapter 128
You may have heard that, in Wisconsin, we have a unique law that lets people in debt obtain virtually the same kind of legal protections against creditors and their collections agencies that filing for bankruptcy provides.
About Chapter 128
My name is Jeff Murrell, and I’ve been helping people prepare and file these cases from my office in Milwaukee all over Wisconsin since 1998. I’m only the third person in history to publish about this unique law – scroll down to my article link in Wisconsin Lawyer below. I give folks free, unlimited telephone, text and email consultations to help them figure out if Chapter 128 is right for them. Filing bankruptcy can cost you generally between $1,500 and more than $3,000 these days!
I can help you file a Ch. 128 for $250 – $300 upfront, plus the court filing fee (which is only around $50, depending on what Wisconsin county you live in).
Typical debts that can be handled through a Ch. 128 include:
- overdue utilities*
- accounts in collections
- PayDay/Check N’ Go loans
- credit cards
- medical bills
- personal loans
- Wisconsin taxes*
- child-support arrears*
- repossessed-vehicle loan deficiencies
- civil judgments
- Wisconsin tickets/fines
- Practically anything other than car, home or other secured loans!
FAQ Section
How much does it cost?
The court filing fee is $31.50 in every county except Milwaukee County where it is $35. Electronic filing of the required court documents imposes an electronic filing fee of $20 in addition to the regular court filing fee. Be aware that these fees are subject to change periodically. Electronic filing is mandatory in every county in Wisconsin. Please email me to request my initial instructions which set forth how much my document-preparation fees cost.
What will my monthly payments be?
The rule of thumb is that there is about a $300 monthly payment for every $10,000 of debt you want to include in your Ch-128 plan (which includes all attorney fees and trustee administration expenses which you also pay through your plan). Call or email me for an exact estimate of what your monthly payments would be with the debts you wish to include.
I get paid bi-weekly (every two weeks). Will each of my monthly Ch-128 payments get split evenly between both my monthly paychecks?
Yes
Do the payments have to come out of my payroll checks from my job and does my employer have to know that I'm doing this?
Normally, yes – but I offer clients an option for sending in their payments directly to the trustee’s office themselves as a “self-pay,” keeping their employers and nosy co-workers out of it entirely.
If I am a self-pay, can my monthly Ch-128 payments be automatically withdrawn from my bank account and sent to the trustee instead of me having to send a check to the trustee myself each month?
No (sorry).
How long does the process take?
I can usually get your paperwork all ready within two days (often times the same day – I work really fast) after you submit the required personal and creditor information that I need. After the initial pleadings are signed and notarized, it normally takes about a week to file the case. It then takes the trustee several weeks after that to get your monthly payments going. You do not have to pay your listed creditors or the trustee’s office before then. (If you do not hear anything from the trustee in a month after filing, get a hold of one of us to find out what’s going on with your case – court clerks sometimes misplace or even lose the court files, and those long delays in getting essential paperwork back to us results in higher monthly-payment amounts for the client than originally determined!)
Get Started Today
I help people file these cases in every county in Wisconsin.
Want to know how to get started? Just email, call or text me!
jeffmurrell @ lawyer . com
TEL/TEXT: 414-372-6598