Contact Us for a Free Consultation 414.377.0515

Chapter 128 - Can I Do It Without a Lawyer?

While it is not legally required to have a lawyer to file for Chapter 128 debt consolidation in Wisconsin, it is highly recommended to seek the guidance of a qualified attorney. Filing for Chapter 128 and dealing with wage garnishment can involve complex legal procedures and requirements, and an attorney can provide valuable expertise and assistance throughout the process.

Here are a few reasons why it's advisable to consult with a lawyer when considering a Chapter 128 filing:

  1. Legal Knowledge: An attorney specializing in debt consolidation and bankruptcy laws will have a thorough understanding of Chapter 128 and how it applies in Wisconsin. They can guide you through the process, explain your rights and obligations, and help you make informed decisions.

  2. Assessing Eligibility: A lawyer can evaluate your financial situation and determine if Chapter 128 is the most suitable option for you. They can consider factors such as the types and amounts of debts, income, and other relevant circumstances to determine the best course of action.

  3. Drafting and Filing Documents: Filing for Chapter 128 involves preparing and filing various legal documents. An attorney can assist you in accurately completing these forms and submitting them to the appropriate court, ensuring compliance with all necessary requirements.

  4. Negotiating with Creditors: If necessary, an attorney can negotiate with creditors on your behalf to create a repayment plan that is feasible and acceptable to both parties. They can advocate for your interests and help achieve the best possible outcome.

  5. Legal Protection: Having an attorney by your side provides a layer of protection and representation throughout the process. They can address any legal issues that arise, handle communications with creditors, and protect your rights.

While hiring a lawyer involves costs, it is an investment in your financial future and can potentially save you time, stress, and money in the long run. Attorney DeLadurantey often handles Chapter 128 cases for almost no money down to file! Consider consulting with a qualified attorney who specializes in Chapter 128 or debt-related matters to get personalized advice and guidance tailored to your specific circumstances.

Our initial consultations are always free. During the free initial consultation we'll walk you through how a Chapter 128 works. Most cases only require a small deposit to get the Chapter 128 filed! We offer free online scheduling for appointments. 

We provide representation in Chapter 128 filings in Wisconsin, including Racine, Kenosha, Green Bay, Appleton, the Fox Valley, Milwaukee, West Allis, Waukesha, Walworth County, Dane County, Madison, La Crosse, Eau Claire, Superior, Ashland, and anywhere in-between. 


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