Nicolet Law Office, S.C.

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 Million Dollar Advocates Forum

Personal Attention To You -
Personal Dedication To Your Case

Contact us today for a free consultation where you will speak directly with one of our attorneys. We are conveniently located for your accessibility, with offices in Hudson, Eau Claire, and five other cities throughout the region. If your condition prevents you from coming to one of our offices, we will happily meet with you at your home or another location that is comfortable for you.

Call Us: 800-456-6956

  • In Wisconsin, call: 715-802-0872
  • In Minnesota, call: 651-243-2872

Tell Us About Your Case We’ll review your case details and contact you with an action plan.

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Wisconsin Offices

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

Phone: 715-802-0872
Hudson Law Office Map

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

Phone: 715-802-0872
Rice Lake Law Office Map

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

Phone: 715-802-0872
Eau Claire Law Office Map

Superior Office
1200 Tower Ave.
Superior, WI 54880

Phone: 715-802-0872
Superior Law Office Map

New Richmond Office
1500 Madison Ave., Suite 220
New Richmond, WI 54017

Phone: 715-802-0872
New Richmond Law Office Map

Wausau Office
408 Third Street, Suite 303
Wausau, WI 54401

Phone: 715-802-0872
Wausau Law Office Map

Woodbury Office
724 Bielenberg Drive, Suite 126
Woodbury, MN 55125

Phone: 651-243-2872
Woodbury Law Office Map

Duluth Office
109 North 2nd Avenue West
Duluth, MN 55802

Phone: 218-208-6502
Duluth Law Office Map

Hibbing Office
Howard Court Bldg.
302 Howard St. , Ste. 123
Hibbing, MN 55746

Phone: 218-208-6502
Hibbing Law Office Map

Minnesota Offices