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Understanding all of your bankruptcy options

Facing a growing mountain of debt is a stressful situation that can drive anyone to make decisions out of desperation. Making decisions before you understand all your options might actually make the situation worse, though. At the very least, if you don't know all of your options for dealing with debt, you could take a path that costs much more or leaves you with a continuing struggle in the future.

In Wisconsin, you have numerous options for debt relief through the legal system. All state residents can learn more about filing for either Chapter 7 or Chapter 13 bankruptcy under the federal bankruptcy system. Both types of bankruptcy do come with certain requirements and thresholds, and some people who file for Chapter 7 don't qualify because of their income or type of debt. Those individuals often qualify for a Chapter 13 filing instead.

A Chapter 13 bankruptcy is sometimes referred to as a wage earner's plan because it was designed for people with a steady income. The petition lets you work through the court and a trustee to reorganize your debts and pay off creditors within a period that usually lasts three to five years.

One option residents of Wisconsin have that isn't available throughout the rest of the nation is often referred to as a Chapter 128. Technically, this option is a debt reorganization similar to Chapter 13 bankruptcy, but it is governed under Chapter 128 of the state's statutes.

Deciding what type of bankruptcy is best for you and ensuring everything is filed correctly can be daunting tasks. Our firm works with you to review your situation and pick the best possible path toward a new financial life.

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

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

Eau Claire Office

St. Paul Office
332 Minnesota Street, Suite 3172
St. Paul, MN 55101

Phone: 651-243-2872
St. Paul 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.