Chapter 7 And 13 Bankruptcy Lawyers Working With Individuals To Achieve Freedom From Debt And Understand Alternative Options (Chapter 128)
Bankruptcy is a way to get out from under mountains of debt, keep your home and motor vehicle in your possession, prevent wage garnishment, stop creditor harassment and build a promising road ahead for you and your family.
Experienced bankruptcy and foreclosure defense lawyer Russell D. Nicolet leads our team of dedicated attorneys and legal professionals. We can show you the way to this “fresh start” — and brighter future.
At Nicolet Law Office, S.C., we want to bring you back to the sound financial footing you deserve, so you can continue to provide for your loved ones. Our trusted attorneys are here to help you, not here to judge you. Whether you lived beyond your means or were a victim of predatory lending, experienced an accident and suffered a personal injury, are facing growing medical bills or are going through a divorce, we are here for you.
How We Can Help
When creditors call you non-stop, bills continue to pile up, and there seems to be no end in sight to your financial struggles, we can help. When you work with us, we can:
- Put a stop to harassing phone calls and letters from creditors
- Keep your
- vehicle from being repossessed
- Prevent creditors from garnishing your paycheck
- Fight to help you keep your home
Most importantly, we can help you eliminate unsecured debt and take the first steps to rebuild your finances.
Quality Representation For Chapter 7 Bankruptcy Clients In Western Wisconsin
In most bankruptcy cases, eliminating debt and protecting assets are our clients’ biggest concerns. You may also be worried about your ability to get a credit card, land a car loan or refinance a motor vehicle.
Chapter 7 personal bankruptcy is designed to help you with all of these things. It acts as a fresh start for your finances. After filing, most if not all of your unsecured debts are discharged or eliminated, so you can focus on building a more secure future. Our attorneys are ready to help you protect your assets like your home and car while still eliminating debt.
“I had a great experience with Nicolet Law Office, S.C.. Russell was my attorney and he made my experience in filing bankruptcy much more tolerable. He was great with the details and very easy to talk to. He also gave me several options and helped me decide what was best for me and my situation.” Read More Client Reviews.
Personal Attention To You, Personal Dedication To Your Chapter 13 Bankruptcy
If you do not qualify for Chapter 7 protection via the “means test,” you may be able to consolidate and reorganize your debt under Chapter 13, while only paying back your disposable income and protecting the rest of your income. You will be able to pay your mortgage, rent, and car or truck payments while having enough money to cover the necessities for your family.
Additionally, if you own a car or a home, Chapter 13 allows you to protect these valuable assets. You may also be eligible to pursue a strategy known as “lien stripping,” to remove your second or additional mortgages.
Not everyone is eligible for Chapter 13. You must have a reliable source of income. You will pay your priority creditors in full and make monthly payments in order to keep your secured assets. If you finish your payment plan, you will be rewarded with a discharge of remaining debt. If you find that you cannot make your payments, Chapter 13 allows for modifications and even conversion to Chapter 7.
Bankruptcy For Companies And Family Farms
Our attorneys have access to additional tools that allow us to help you reset your financial future. This includes using Chapter 11 to help businesses reorganize and rearrange their finances, and Chapter 12 to provide family farms with the special protection offered by that part of the Bankruptcy Code.
Contact Nicolet Law Office, S.C.
Call a Chapter 7 bankruptcy attorney at Nicolet Law Office, S.C., at 715-802-0872 or 800-456-6956 for a free consultation, or fill out our contact form for more information. We offer flat-fee bankruptcy, payment plans and reasonable fees. We serve clients in Hudson, across western Wisconsin, and in eastern Minnesota.