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What you should know about Chapter 13

If you have ever considered bankruptcy, you probably know that when you file a personal bankruptcy, there are generally two ways that individuals or families are allowed to file. That would be thought Chapter 7 bankruptcy, which is typically known as a liquidation bankruptcy since it usually wipes out most types of debt, and Chapter 13 bankruptcy, which is considered a type of reorganization bankruptcy.

While the idea behind Chapter 7 is to give individuals or families a clean slate or a kind of "do over." Chapter 13 is more about paying off the amount of debt that is owed by using a structured repayment plan. This type of plan usually takes anywhere from three to five years to complete.

Since Chapter 13 allows you to keep the property you own, it is often a practical way to repay debt when you have gotten in over your head and find that you can't pay the monthly amounts that you owe. Before you can file for a Chapter 13 bankruptcy, however, you will have to show the court that you are capable of repaying the debt over a period of time. If you have a low income or your pay is not regular, then the court may determine that you are not eligible for Chapter 13 since the judge may feel that you cannot make the type of payments you would need to make in order to stay on schedule.

Individuals or families who are considering the option of filing a Chapter 13 bankruptcy may find beneficial information about the process on our website.

Awards & Recognition

Our peers and independent third-party organizations have recognized the hard work and dedication we put into every case. This has led to numerous awards and accolades.

  1. Rated By Super Lawyers | Russel D. Nicolet
    Super Lawyers Rising Stars
    Avvo Rating 10.0 Superb | Top Attorney Personal Injury Avvo Rating 10.0 Superb | Top Attorney Bankruptcy
  2. The American Association of Legal Advocates Wisconsin Association for Justice BBB Accredited Business - A+
  3. Minnesota State Bar Association American Bar Association State Bar of Wisconsin
  4. BV Distinguished | Lexis Nexis | Martindale-Hubbell | For Ethical Standards and Legal Ability The National Trial Lawyers

Office Locations

Regional Office Map

Hudson Office
511 2nd Street Suite 203
Hudson, WI 54016

Phone: 715-802-0872
Hudson Office

Woodbury Office
724 Bielenberg Drive
Suite 126
Woodbury, MN 55125

Phone: 651-243-2872
Woodbury Office

Superior Office
1507 Tower Ave Suite 210B
Superior, WI 54880

Phone: 715-802-0872
Superior Office

Rice Lake Office
337 N. Main Street
Rice Lake, WI 54868

Toll Free: 800-456-6956
Rice Lake Office

Eau Claire Office
402 Graham Ave, Suite 305
Eau Claire, WI 54701

Phone: 715-802-0872
Eau Claire Office

Amery Office
228 Keller Ave N.
Suite 3A
Amery, WI 54001

Toll Free: 800-456-6956
Amery Office

Nicolet Law Office, S.C. helps people throughout Western Wisconsin and Minnesota including; Hudson, Eau Claire, Superior, Amery, Rice Lake, Chippewa Falls, River Falls, Menomonie, Hayward, New Richmond, Spooner, Bloomer and Barron.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.