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Should you file bankruptcy?

Deciding whether or not to file bankruptcy is a difficult decision for a person to make. Filing bankruptcy not only affects your credit, it can affect your reputation and even your self-esteem. Before you decide to move forward there are some things to consider.

First, you need to find out if you are eligible to file for bankruptcy. Each type of bankruptcy has certain requirements that individuals must meet. As an example, you may find that you are unable to file for a Chapter 7 bankruptcy because you are making too much money and have too high of an income to wipe out your debts, but you may be able to repay those debts through a Chapter 13 bankruptcy. On the other hand, you may want to repay your debts, but your income may not be high enough for you to successfully meet a repayment plan. In that case, you may find that it is better to file a Chapter 7 bankruptcy.

Second, it is important to realize that there are certain types of debts that a bankruptcy won't erase no matter why type of bankruptcy you wish to file. You cannot wipe out debts, such as alimony, child support or (some types of) tax debts. If these are the types of debts you are hoping to get rid of, filing a bankruptcy won't do any good since there is no bankruptcy protection by filing and you will still have to pay them.

Finally, realize that even if bankruptcy does not fit your situation, there are potentially other options available to you. We can help you determine what type of debt relief will best align with your goals and help you seek ways to get back on solid financial footing. 

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.