Appleton WI Debt Settlement & Repayment Lawyer

Debt Relief Options Without Damage to Your Credit

Many Wisconsin residents struggling with their finances resist the option of bankruptcy because they fear damaging their credit rating. If bankruptcy is still not an attractive choice, another option exists to reorganize your debt without an actual bankruptcy showing up on your credit report.

At the Helbing Law Office, LLC, we can inform you about a little-known alternative exclusive to the state of Wisconsin — a Chapter 128 filing.

Since many people are not aware of a Chapter 128, we strive to educate and encourage clients to look at this option. It is possible to enter a payment plan with all of your creditors and keep your credit score intact. Contact attorney Timothy J. Helbing at our Appleton office by calling 920-659-5606.

The Alternative You Need During Tough Financial Times

Chapter 128 is similar to a Chapter 13 debt repayment plan. You have three years to pay off 100% of your credit card and medical debts. For those with a smaller debt load, this type of debt settlement is sometimes the best option. Most of the institutions you owe will not report to a credit agency and no reporting means no damage to your credit.

The Advantages of a Chapter 128 Filing

There are upsides and downsides to the Chapter 128 option. The repayment time is shorter and the debts cannot be reduced or discharged. However, the more affordable process still allows you to stop collection actions and harassing telephone calls.

Appleton & Oshkosh, WI Bankruptcy Lawyers

Contact Us

For more information, or to schedule an appointment with an experienced lawyer regarding a Chapter 128 filing, please contact us.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.