“…a debtor needs help, made mistakes, took unwarranted risks, accepted bad advice, exercised bad judgement, was too long in denial, or had just plain bad luck.

But no matter, our society holds dear the values of a fresh start and of second chances. That value is manifested with brilliant clarity in our bankruptcy laws… In our nation, we join together in the promise and in the ideal of a much grander bargain. It is the bargain by which we interact with each other and with our government, all for the common good. That grander bargain, enshrined in our Constitution, is democracy…..”

Judge Steven J. Rhodes, In re City of Detroit, 524 B.R. 147, 276 (2014).


ESSERLAW LLC is a federally designated debt relief agency. We offer free budget counseling services for those individuals who need a little help organizing; but feel confident they can right themselves without bankruptcy. We provide advice on repayment plan options, and debt settlement. If needed, we also assist with filing for relief under the bankruptcy code.

During a free consultation, we enable people to sift through, and navigate different options to determine their best course of action. We furnish a ‘map’ to becoming debt free. Our clients include individuals and small businesses who are seeking relief from the pressures of debt throughout the communities of greater Milwaukee, and Southeastern Wisconsin. It is our goal to provide hope, and relief from the pressures and stress of debt, in a compassionate and professional manner, while striving to be affordable to those in need.

Todd C Esser

We assist our clients with:

  • Becoming Debt Free
  • Budget Counseling
  • Bill Consolidation
  • Debt Amortization
  • Debt Relief
  • Keeping Homes – Stopping Mortgage Foreclosures & the In Rem Process/Avoiding Sheriff Sales

We offer personalized repayment plans including:

  • Debt Restructuring
  • Budget Counseling
  • Selected Debt Settlement
  • Consolidating Bills and Taxes
  • Stretching Out Payments
  • Debt Amortization
  • Debt Relief
  • Addressing Claims of Creditors and Child Support Arrears
  • Keeping Vehicles – Stopping Repossession Process
  • Keeping Wages – Getting Garnishments Lifted
  • Stretching Out Payments- Structured Repayment Plans
  • Chapter 128 – Amortization
  • Navigating Chapter 7 and Chapter 13 Bankruptcy Codes
  • Stopping Creditor Threats and Harassment

And we offer relief from:

  • Credit Card Payments
  • Medical Bills
  • Utility Bills
  • Tax Levies
  • Student Loan Collection
  • Home Foreclosure
  • Vehicle Repossession
  • Wage Garnishment
  • Creditor Threats and Harassment

We focus our practice on assisting people in becoming debt free, through budget, and credit counseling, and by providing advice on the appropriate ‘next step.’ No case is too big or too small. We offer a free consultation, and often times, we are able to guide our client to becoming debt free without bankruptcy. We are educators who are frequently asked to give presentations and seminars to other legal professionals and constituents by the Wisconsin State Bar. We are often quoted in the Milwaukee Journal/Sentinel as we are always at the forefront of changes in the law. We are one of the oldest and most respected bankruptcy firms in Wisconsin and are known for being the firm that educates the rest of the field. Our Peers consistently recognize us as being among the top lawyers in the country.

In The Press

Awards And Recognition

  • WHO’s WHO – 1993 (Milwaukee Magazine)
  • Milwaukee’s Top Attorneys – 1999 – 2019 (Milwaukee Magazine)
  • Top 75 Attorneys – 2003 (Milwaukee Magazine)
  • Super Lawyers – 2006 – 2019 (superlawyers.com)
  • Avvo Top Rated Lawyer
  • Tier 1 for Bankruptcy in Milwaukee (US News & World Report)
  • Leading Lawyers – 2012 – 2019 (M Magazine)
  • Best Lawyers in America – 2008 – 2019 (Todd C. Esser) & 2012 (Robert M. Waud)   

Live Debt Free

Business Address

11805 W Hampton Ave
Milwaukee, WI 53225

Phone: 414-461-7000
Phone: 262-619-0433
Fax: 414-461-8860
Email: debtfree@esserlaw.com

Best Law Firms In Wisconsin
National Association of Consumer Bankruptcy AttorneysBBB Accredited Business

Coverage Area

Milwaukee, Wisconsin Metropolitan Area and Southeastern Wisconsin including:
Appleton, Green Bay, Fox Valley
Racine & Kenosha


We are a federally designated Debt Relief Agency. We help people file for relief under the Bankruptcy Code. We also help people with non-bankruptcy payment plan options.


Call 414-461-7000, 920-727-0775 or 262-619-0433 today for more details.