Chapter 128 is a 36-month voluntary debt repayment plan for Wisconsin residents only. It is not a bankruptcy. The debt amortization lawyers at the law office of Rogers & Westrick, S.C., encourage clients to choose Chapter 128 as a debt solution whenever possible, because it has few or no consequences.

It is unique to Wisconsin and is a very good option for any resident overwhelmed by debt. This is a wage-earner plan, so candidates must have a job to qualify unless they are on a fixed income. Other restrictions may apply, and this is a legal process that should be handled by an experienced Wisconsin bankruptcy attorney. The rules and requirements for debt solutions and bankruptcies can be complicated and confusing.

The Wisconsin Chapter 128 attorneys at the law office of Rogers & Westrick, S.C., have represented more than 1,000 Wisconsin residents who were struggling with debt problems. Contact us for a free initial consultation so we can determine what kind of debt solution you qualify for.

Debtors are not required to list all assets and debts owed, and their property is never in jeopardy.

Other advantages to filing for Chapter 128 include:

**Debt is repaid so damage to credit is limited.

**Wage garnishments are stopped.

**Your name is not listed in the newspaper.

**No court appearances

**Interest on debts cannot be collected.

Filing for Chapter 128 is much less expensive than a federal bankruptcy. If the debt is repaid over the 36 months, the court issues an order that can be used to clean up any remaining credit report problems.

If you are experiencing debt problems just like millions of other Americans trying to survive the current economic conditions, contact us so we can help get your life back on track. We make no judgments about our clients’ circumstances and offer confidentiality during the free initial debt evaluation and throughout the process.