Contact Us for a Free Consultation 414.377.0515


A Guide to Calculating Chapter 128 Debt Repayment in Wisconsin

Posted by Nathan DeLadurantey | Jul 24, 2023

Dealing with overwhelming debt can be a stressful and challenging experience. For Wisconsin residents, Chapter 128 debt repayment offers an alternative to bankruptcy, providing a structured plan to reorganize and pay off debts over time. In this blog post, we'll walk you through the steps to calculate a Chapter 128 debt repayment plan in Wisconsin.

  1. Assess Your Debts

The first step is to gather all the necessary information about your debts. Make a list of every outstanding debt you want to include, including credit cards, medical bills, personal loans, and any other unsecured debts you wish to include in the Chapter 128 plan. Knowing the exact amount you owe is crucial for creating an accurate repayment plan.

  1. Evaluate Your Income and Expenses

Next, create a detailed budget that outlines your monthly income and expenses. Include all sources of income, such as your salary, investments, and any other revenue streams. On the expense side, list your regular monthly bills, groceries, utilities, and other necessary costs. Subtract your total expenses from your total income to determine your disposable income. Make sure your budget allows for enough money to pay your monthly Chapter 128 payment. 

  1. Consult with an Experienced Attorney

Given the complexity of legal matters, it's essential to seek guidance from a qualified attorney who specializes in Chapter 128 debt repayment in Wisconsin. An attorney will review your financial situation, assess your eligibility, and guide you through the entire process.

  1. File the Chapter 128 Petition

Your attorney will help you prepare and file a petition with the Circuit Court in the county where you reside. The petition will contain detailed information about your debts and your proposed repayment plan. Ensure that all the information is accurate and complete.

  1. Court Review and Approval

Once your petition is filed, the court will review your filings. If the court approves your petition, it will create a repayment plan based on your debts included in the filings. 

  1. Crafting the Repayment Plan

The court-approved repayment plan will outline the specifics of your debt repayment journey. The plan lasts three years. During this period, you will make monthly payments to the court-appointed trustee.

  1. Making Regular Payments

With the repayment plan in place, it's essential to adhere to it diligently. Make sure to make your monthly payments on time, as missing payments could jeopardize your Chapter 128 debt repayment plan.


Chapter 128 debt repayment is a viable option for Wisconsin residents struggling with unmanageable debts. By carefully assessing your debts, income, and expenses and seeking legal counsel, you can embark on a journey towards financial stability. Remember, each individual's financial situation is unique, so it's crucial to consult with an attorney to ensure that you receive the best advice and assistance tailored to your specific needs.

Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online. 

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


The DeLadurantey Law Office, LLC is committed to answering your questions about Vehicle Repo's, Credit Report/Identity Theft, Auto Fraud, and Debt Collection Abuse law issues in Wisconsin.

We offer free consultation and look forward to discussing your case. Contact us today to schedule an appointment.

DeLadurantey Law Office, LLC
Mon: 08:00am - 05:00pm
Tue: 08:00am - 05:00pm
Wed: 08:00am - 05:00pm
Thu: 08:00am - 05:00pm
Fri: 08:00am - 05:00pm