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Navigating Financial Waters: The Benefits of Chapter 128 for Wisconsin Consumers

Posted by Nathan DeLadurantey | Dec 01, 2023

Financial challenges can be overwhelming, and for Wisconsin consumers facing debt-related issues, exploring legal solutions is crucial. One option available in the Badger State is Chapter 128, a unique legal tool that provides several benefits for individuals seeking to regain control of their financial situation. In this blog post, we'll explore the advantages of Chapter 128 and how it can offer relief to Wisconsin consumers.

  1. Understanding Chapter 128: Chapter 128, also known as the Wisconsin Wage Earner's Act, is a state-specific provision designed to help individuals restructure their debts without filing for bankruptcy. Unlike federal bankruptcy laws, Chapter 128 is exclusive to Wisconsin residents, offering a more tailored approach to debt resolution.

  2. Protection from Creditors: One of the primary benefits of Chapter 128 is the automatic stay it imposes on creditors. Once you file, creditors are prohibited from pursuing certain collection actions, such as wage garnishments. This provides immediate relief and a breathing space for consumers to regroup and address their financial issues without the constant pressure of creditor actions.

  3. Consolidation of Debts: Chapter 128 allows consumers to consolidate their unsecured debts into a manageable repayment plan. This plan is structured based on the individual's ability to pay, typically spanning a period of up to three years. The court works with the debtor and creditors to establish a fair and realistic repayment schedule.

  4. Avoiding Bankruptcy: For those who wish to avoid the long-term impact of a bankruptcy filing on their credit report, Chapter 128 can be an attractive alternative. 

  5. Maintaining Control of Assets: Unlike some bankruptcy proceedings, Chapter 128 allows consumers to retain control of their assets. There is no liquidation of assets to repay debts, providing individuals with the opportunity to work toward financial stability while maintaining ownership of their property.

  6. Flexibility in Repayment: Chapter 128 offers flexibility in designing a repayment plan that suits the individual's financial situation. This flexibility can be particularly beneficial for those facing temporary financial setbacks, such as job loss or medical expenses, as the plan can be adjusted to accommodate changes in income.

  7. Preserving Credit Score: While Chapter 128 does have an impact on credit scores, the effects are generally less severe than those of bankruptcy. With responsible financial management during and after the Chapter 128 process, consumers can work towards rebuilding their credit more quickly.

Conclusion: For Wisconsin consumers grappling with financial challenges, Chapter 128 provides a valuable legal tool that offers relief, protection, and a structured path to debt resolution. By understanding the benefits of Chapter 128 and consulting with a qualified legal professional, individuals can make informed decisions to regain control of their financial future. It's a powerful resource designed to empower Wisconsin consumers on their journey toward financial stability and freedom from overwhelming debt.

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.


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