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Stuck in Debt? Exploring Chapter 128 as a Wisconsin Consumer

Posted by Nathan DeLadurantey | May 13, 2024

Drowning in debt can feel overwhelming, leaving you unsure of the best path forward. While bankruptcy is a well-known option, it's not the only one. If you're a resident of Wisconsin struggling with manageable debt, Chapter 128 might be the solution you've been looking for.

What is Chapter 128?

Chapter 128 is a Wisconsin-specific program designed to help consumers consolidate and repay their debts through a court-ordered plan. Unlike bankruptcy, Chapter 128 doesn't involve discharging debt. Instead, it creates a structured repayment schedule, lasting three years, to help you become debt-free.

Benefits of Chapter 128

  • Maintain Control: Unlike bankruptcy, Chapter 128 allows you to keep your assets (like your car or house) while you repay your debts.
  • Stop the Bleeding: Filing for Chapter 128 triggers a court order, often referred to as a "stay," that prevents creditors from taking further collection actions like wage garnishments.
  • Consolidated Payments: Chapter 128 streamlines your debt repayments into one monthly payment, simplifying your budget and potentially reducing interest charges.
  • Structured Approach: The court-approved plan provides a clear roadmap for becoming debt-free, offering peace of mind and motivation.

What Debts are Included?

Chapter 128 typically covers unsecured debts such as credit cards, medical bills, and personal loans.

Things to Consider

  • Cost: Filing for Chapter 128 involves court fees and potentially attorney fees.
  • Eligibility: There are no income limitations for Chapter 128.
  • Credit Impact: While Chapter 128 isn't technically bankruptcy, it can still negatively impact your credit score.

Chapter 128 vs. Bankruptcy

Choosing between Chapter 128 and bankruptcy depends on your specific circumstances. Here's a quick comparison:

Feature Chapter 128 Bankruptcy


Repay debt in a structured plan

Eliminate some or all of your debt

Asset Retention

Allows you to keep most of your assets

May require selling assets to repay creditors

Impact on Credit Score

Negative impact, but potentially less severe than bankruptcy

Significant negative impact

Getting Started with Chapter 128

If Chapter 128 sounds like a good fit for your situation, consult with an attorney experienced in Wisconsin debt consolidation. They can guide you through the process, assess your eligibility, and ensure a smooth journey towards financial freedom.

Remember, Chapter 128 is a powerful tool, but it's not a magic solution. Be sure to understand the program's limitations and consult with a professional before making any decisions.

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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