Blog

Creditor Harassment

Depending upon the circumstance, when a retainer agreement is signed with ESSERLAW LLC, we can immediately send a letter to the creditor threatening action to let them know we have been retained and will be representing you to resolve your pending matter. Generally speaking, the court will send notice to creditors and bill collectors letting them know that
the petition for relief has been filed and that there is an automatic stay in effect under federal law preventing them from contacting you or taking further legal action against you or your property. Contact us and let us know about your specific situation, so we can determine what type of notice needs to be provided to protect you from further creditor action.

If you determine, after consultation, that filing a petition for relief under the bankruptcy code either under Chapter 7 or Chapter 13 is right for you, the filing of the petition for relief will trigger the automatic stay. Once the creditor is notified of the bankruptcy filing and the automatic stay, they know that they are prevented from further contact with you by federal law. If a creditor violates the stay, they are subject to being sanctioned by the bankruptcy court and could risk imposition of substantial fines or other penalties. Find out more about how the automatic stay works and whether you should be considering bankruptcy as relief for your circumstances.

Contact us now to find out how we can help!

Call or Text: 414-461-7000

E-Mail: debtfree@esserlaw.com

At ESSERLAW we’re here to help!

Lawsuits

If a creditor obtains a money judgment against you, this means that your wages and bank accounts can be garnished or
that the court may direct the Sheriff to seize your property. Additionally, when the judgment is docketed, it becomes a lien on
your real estate. As a resident of Wisconsin, you enjoy a unique option when it comes to getting your debts under control. Chapter 128 allows you to organize your debt without filing bankruptcy. Chapter 128 is a provision under Wisconsin Statutes, not the federal bankruptcy code. Under a Chapter 128, or debt amortization plan, as it is often referred, an individual wage earner is allowed to select certain debts to include as part of a court supervised plan to be paid without interest over a term or up to 3 years. The debt must be paid in full, but it is paid back without interest. At the conclusion of the plan, the court issues an order determining that the debt has now been satisfied in full. There is no discharge. On the other hand the
person filing the Chapter 128 case is protected from wage garnishment by the creditor or creditors that are included as part of the repayment plan. Chapter 128 is a very effective tool for individuals who may be in a circumstance where they are not able to live up to the payments required by the creditor; but who could afford to pay if given more time. For instance, if an individual has taken out a payday or check cashing type loan, often times loan payments are scheduled weekly or bi-weekly and can include repayment terms or 500% to 750% interest! Under Chapter 128, that loan could be paid back under the court supervised plan without further addition of interest after the date of filing. This can amount to a huge savings for the
individual and peace of mind knowing that the individual’s wages are protected from execution or garnishment.

If the amount is too high to pay in a chapter 128 debt amortization plan, bankruptcy may be an alternative you should consider. Consolidate all your bills including mortgage arrears, car loans, income and real estate property taxes, credit cards, medical bills, utilities and high interest rate payday, student and other loans into one affordable monthly payment in chapter 13 or push the  financial reset button and file straight chapter 7 bankruptcy to get a fresh start!

Contact us now to find out how we can help!

Call or Text: 414-461-7000

E-Mail: debtfree@esserlaw.com

At ESSERLAW we’re here to help!

Tax Levy

Tax levies can affect your property, bank accounts and wages. Even your IRA is not safe from the Internal Revenue Service! How much the IRS will take from your wages can be devastating. The IRS determines your exempt amount using your filing status, pay period and number of dependents. For example, if you’re single with no dependents and make $1,000 every two weeks, the IRS can take up to $538 of your check each pay period!

Take action to stop the IRS and other taxing authorities from levying your wages and other property! We Can Help! Taxes can be wiped out in bankruptcy if done right! Read our blog posting about “What the IRS doesn’t want you to know about taxes and bankruptcy”. Our lawyers are trained to examine your situation and can advise you about the best way to proceed.

Contact us now to find out how we can help!

Call or Text: 414-461-7000

E-Mail: debtfree@esserlaw.com

At ESSERLAW we’re here to help!

Consolidate Your Bills!

CONSOLIDATE SOME OF YOUR BILLS:

Wisconsin law provides for a way to consolidate the bills you choose and spread out payment over 3 years with no interest! This program is known as a chapter 128 debt amortization plan. This is not a bankruptcy! It stops garnishment and even tax levy by the State of Wisconsin. Find out what your payment would be by clicking on the attached link.

If the amount is too high to pay in a chapter 128 debt amortization plan, bankruptcy may be an alternative you should consider.

CONSOLODATE ALL OF YOUR BILLS:

Consolidate all your bills including mortgage arrears, car loans, federal and state income taxes, real estate property taxes, credit cards, medical bills, utilities and high interest rate payday, student and other loans into one affordable monthly payment in chapter 13 bankruptcy.  In many cases, the court will reduce or completely eliminate the amount to be paid to some creditors.  Stop foreclosures, keep your house and car, reduce loan interest rates, eliminate credit card, medical, utility and other bills.  Take control of your finances! Contact us now to find out how much your consolidated payment would be!

Call or Text: 414-461-7000

E-Mail: debtfree@esserlaw.com

At ESSERLAW we’re here to help!

Utility shutoff

If you have received a Disconnect Notice or your utilities have already been shutoff WE CAN HELP! If you are not able to work out payment terms with WE Energies or your local utility, you may want to consider a bankruptcy filing to stop the disconnection or get your lights turned back on.

Contact us now to find out how we can help!

Call or Text: 414-461-7000

E-Mail: debtfree@esserlaw.com

At ESSERLAW we’re here to help!

Auto Repossession

Keep your car! Reduce interest and reduce monthly payments while consolidating or eliminating other high interest rate loans and bills. Even if your car has already been repossessed it may not be too late – in most cases, we can get your car back without having to pay the back payments, or the costs of towing and storage!

Contact us now to find out how we can help!

Call or Text: 414-461-7000

E-Mail: debtfree@esserlaw.com

At ESSERLAW we’re here to help!