Attorney Nathan DeLadurantey appeared on FOX6's Ask Contact 6 to answer Wisconsin viewers' questions about debt collectors, old and mystery debts, wage garnishment, credit reporting errors, and stopping or postponing a foreclosure. Below is the segment, the topics FOX6 listed, and plain-English answers to what Wisconsin consumers usually ask next. A consultation with our office is free.
What Ask Contact 6 Is
FOX6's Contact 6 team, led by Jenna Sachs, is FOX6's consumer-protection franchise. Ask Contact 6 is a recurring segment in which viewers submit written questions — and optionally a short video with their first name and city — and FOX6 brings in an outside expert to answer them.
Nathan's Appearance
Attorney Nathan DeLadurantey, a Wisconsin consumer-rights lawyer, appeared as the consumer-law guest on FOX6's Ask Contact 6 episode on debt collection and foreclosure defense. FOX6 lists Nathan as the expert answering viewer questions on this topic, and FOX6's Contact 6 series page lists the episode “Ask Contact 6: Debt collection and foreclosure defense,” dated August 27, 2026.
Sources:
Appearing on FOX6 does not mean FOX6 endorses DeLadurantey Law Office, LLC, and it does not create an attorney-client relationship with anyone who watches.
Watch the Segment
Watch on FOX6: Ask Contact 6 — Debt Collection and Foreclosure Defense
Attorney Nathan DeLadurantey on FOX6's Ask Contact 6, August 27, 2026.
Topics Viewers Asked About
FOX6 listed these topics for the episode:
- Consumer rights
- Repayment
- Mystery debt
- Old debts
- Scams
- Debt collection lawsuits
- Garnishments
- Credit reporting
- Legal defenses
- Stopping or postponing a foreclosure
- Foreclosure alternatives and costs
- Filing for bankruptcy
Wisconsin Law, in Plain English
The explanations below are general information about Wisconsin and federal consumer law. They are not legal advice for any specific situation, and they are not a summary of anything said on the show.
Debt collector rules. Federal law (the Fair Debt Collection Practices Act) and Wisconsin's own consumer protection law (Wis. Stat. ch. 427) limit what a debt collector can say and do — when they can call you, whether they can contact your employer or family about the debt, and what they're required to tell you in writing. A collector who breaks these rules can be held responsible, and in most cases the collector — not the consumer — pays the attorney's fees.
Garnishments and lawsuits. If a creditor sues over a debt, ignoring the lawsuit can lead to a default judgment and, eventually, wage garnishment. Wisconsin law limits how much of a paycheck can be garnished and sets a process the creditor has to follow. Being served with a debt collection lawsuit doesn't mean the debt — or the amount claimed — is automatically valid; there are often defenses worth reviewing before ignoring it or before your court date.
Mystery or old debt, and credit reporting. Not every debt someone calls about is actually owed, correctly identified, or even yours. Consumers have the right to ask a collector to verify a debt before paying it, and under the Fair Credit Reporting Act (FCRA), consumers can dispute wrong or outdated information on their credit report. Debt that's very old may also be outside Wisconsin's statute of limitations for a lawsuit, which is a separate question from whether it can still be reported.
Foreclosure defenses and alternatives. A foreclosure filing in Wisconsin isn't necessarily the end of the process. Depending on timing and circumstances, homeowners may have defenses to raise, time to catch up, or alternatives to explore — loan modification, repayment plans, or other options — before a sale happens. What's available depends heavily on the specific loan, servicer, and stage of the case.
Bankruptcy vs. Chapter 128. Wisconsin offers its own state-court debt repayment tool under Wisconsin Statutes Chapter 128, which works differently from federal bankruptcy and isn't the right fit for every situation. Whether Chapter 128, federal bankruptcy, or another approach makes sense depends on the type and amount of debt, income, and what a person is trying to protect — this is genuinely case-by-case, not a one-size-fits-all answer.
FAQ
1. Can a debt collector call me at work in Wisconsin?
Generally, a collector has to stop contacting you at work if you tell them your employer doesn't allow it, and both federal and Wisconsin law limit how and when collectors can contact you at all. This is general information, not a review of your specific calls.
2. What is Wisconsin Statute chapter 427, and how does it protect me from debt collectors?
Chapter 427 is Wisconsin's own law regulating debt collection practices, in addition to the federal FDCPA. It restricts certain collector conduct and communications and gives consumers a way to hold collectors accountable when they cross the line. A Wisconsin consumer-rights attorney can review whether specific conduct violated it.
3. Can my wages be garnished in Wisconsin, and how much?
Wage garnishment in Wisconsin generally requires a court judgment first, and state law limits the percentage of disposable earnings that can be taken. Being sued doesn't automatically mean garnishment is coming or that the debt is valid — there may be defenses worth raising before that stage.
4. I don't recognize a debt someone is trying to collect. What should I do?
You generally have the right to ask a collector to verify the debt in writing before paying anything. Not every debt collectors pursue is accurate, correctly matched to the right person, or still legally collectible — verifying it first is standard advice, not an admission that you owe it.
5. How long can old debt stay on my credit report in Wisconsin?
Credit reporting timelines are set mainly by federal law (the FCRA), not state law, and are a separate question from whether a debt can still be sued on. If your credit report shows information you believe is wrong, outdated, or not yours, you generally have the right to dispute it.
6. Can I stop a foreclosure in Wisconsin once it's been filed?
Sometimes, depending on timing, the loan, and the servicer's conduct — there can be defenses to raise or alternatives to pursue before a sale. This isn't guaranteed in every case, and it depends heavily on the specific facts, so this is general background rather than an assessment of any particular foreclosure.
7. What's the difference between Chapter 128 and filing bankruptcy in Wisconsin?
Chapter 128 is a Wisconsin state-court repayment plan, separate from federal bankruptcy, with its own eligibility rules and effects. Bankruptcy is a federal process with different chapters and consequences. Which one (if either) fits a given situation depends on the debt, income, and goals involved.
8. Do I have to pay for a consultation with a Wisconsin consumer-rights attorney?
At DeLadurantey Law Office, LLC, an initial consultation is free, and most consumer cases we handle are fee-shifting, meaning the law can require the other side to pay attorney's fees in a successful case. Results are not guaranteed and depend on the facts of each matter.
Get a Free Consultation
If you watched Nathan on FOX6's Ask Contact 6 and have a debt collection or foreclosure question of your own, DeLadurantey Law Office, LLC offers a free consultation.
- Call: 414.377.0515
- Book online: dela-law.cliogrow.com/book
- Or contact us here: dela-law.com/contact-us
Related Reading
- Debt Collection Abuse
- Foreclosure Defense
- Credit Report & Identity Theft
- Vehicle Repossessions
- What Is a Deficiency Balance After a Vehicle Repossession in Wisconsin
- Repossession Laws and Your Rights in Wisconsin
- What to Do After Your Car Gets Repossessed
- Attorney Nathan DeLadurantey
- DeLadurantey Office News and Television
- Blog
This appearance and this page are for general information only. They do not create an attorney-client relationship, and nothing here is legal advice for your specific situation. Past results, including any verdicts referenced elsewhere on this site, do not guarantee a similar outcome in your case.