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Understanding Chapter 128 Trustee in Wisconsin: A Key Player in Debt Repayment

Posted by Nathan DeLadurantey | Jul 26, 2023

Facing overwhelming debt can be a distressing experience, leaving individuals searching for viable solutions. In Wisconsin, Chapter 128 offers an alternative to bankruptcy, allowing residents to reorganize their finances and repay debts through a structured plan. At the heart of this process is the Chapter 128 trustee, a crucial figure responsible for facilitating the debt repayment journey. In this blog post, we'll delve into the role of the Chapter 128 trustee and their significance in the process.

What is Chapter 128?

Before we dive into the role of the trustee, let's briefly understand what Chapter 128 entails. Chapter 128, also known as Wisconsin's wage earner's plan, is a state-specific debt repayment program. Unlike federal bankruptcy, it does not involve the discharge of debts but rather provides an organized repayment plan to manage financial obligations.

The Role of the Chapter 128 Trustee

The Chapter 128 trustee plays a pivotal role in overseeing the debt repayment process and ensuring its proper execution. Here are some of the key responsibilities and functions of the trustee:

  1. Plan Review and Approval

Upon filing a Chapter 128 petition, the trustee thoroughly examines the debtor's financial situation and the proposed repayment plan. Their primary objective is to determine the plan's feasibility and its conformity to state regulations. The trustee ensures that the plan adheres to the requirements of the statute. 

  1. Collection and Distribution of Payments

Once the court approves the repayment plan, the trustee takes charge of collecting payments from the debtor. Instead of paying individual creditors directly, the debtor makes monthly payments to the trustee, who then distributes the funds among the creditors as outlined in the approved plan.

      3. Monitoring the Repayment Plan

Throughout the repayment period, the trustee keeps a close eye on the debtor's progress in meeting the plan's requirements. They verify that payments are made on time and may provide guidance or support to the debtor when necessary.


The Chapter 128 trustee plays a critical role in Wisconsin's debt repayment process, overseeing the implementation of the court-approved plan and facilitating communication between debtors and creditors. By acting as a neutral party, the trustee ensures that the plan's execution is fair, transparent, and beneficial to all parties involved.

As Chapter 128 is a legal process subject to specific laws and regulations, individuals seeking debt relief through this program should consult with an experienced attorney. An attorney can provide personalized guidance, helping debtors understand their options and navigate the complexities of the Chapter 128 debt repayment journey.

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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