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What are Alternatives to Bankruptcy in Wisconsin

What are My Alternatives to Bankruptcy in Wisconsin?

If you are struggling with debt and considering bankruptcy, there are several alternatives you may want to consider before making that decision:

  1. Debt management plan: A debt management plan is an agreement between you and your creditors to pay off your debts over a set period of time. You make one monthly payment to a credit counseling agency, which then distributes the funds to your creditors. In Wisconsin we have an entire process for this - it stops garnishments and gets you back on track. Read more about Chapter 128 here!

  2. Debt consolidation: Debt consolidation involves taking out a loan to pay off multiple debts. This can simplify your payments and potentially lower your interest rate, but it may also extend the amount of time it takes to pay off your debts.

  3. Negotiating with creditors: You may be able to negotiate with your creditors to lower your interest rate, reduce your monthly payments, or settle your debt for less than you owe.

  4. Credit counseling: A credit counseling agency can help you develop a budget and create a plan to pay off your debts. They may also be able to negotiate with your creditors on your behalf.

  5. Sell assets: If you have assets that you no longer need, such as a second car or a vacation home, selling them can provide cash that you can use to pay down your debts.

It's important to remember that these alternatives may not work for everyone, and you should carefully consider your options and consult with a a lawyer for a confidential consultation. As you can see from the reviews of other people that received a free consultation (or were a client), Attorney DeLadurantey is always welcome to provide free consultations and is easy to talk with. Pick up the phone and make sure your rights are being protected. We provide representation in automobile and vehicle repossession cases 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. 

You can schedule a free consultation online!


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.

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