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What is Chapter 128 and is it the Right Program for You?

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What is Chapter 128 and is it the Right Program for You?

Raise the wood game representing a man considering Chapter 128 bankruptcy alternative

When it comes to filing bankruptcy, most people have usually heard of the two different kinds of personal bankruptcy known as Chapter 7 bankruptcy, which wipes the slate clean of most types of debts and Chapter 13 bankruptcy, which allows individuals to pay back creditors over a period of time. These two federal programs were designed with the intent to provide relief to individuals who have gotten behind on their bills and have more debt than they are able to handle.

A bankruptcy-type plan most people may not have heard of, however, is one known as Chapter 128. In actuality, Chapter 128 is not really a type of bankruptcy, but rather what is known as a bankruptcy alternative. This plan is actually specific to the state of Wisconsin and while you may think that it is a new type of program, it may surprise you to learn that it has actually been around since 1938.

Chapter 128 works by forcing creditors into a repayment plan that lasts 36 months. When a person participates in this plan, it stops the interest from accruing on outstanding dept and provides a way for families to get relief from debt collectors by stopping threats of court, liens and garnishments.

Perhaps one of the reasons that Chapter 128 can be more appealing than the federal bankruptcy plans is that unlike Chapter 7 and Chapter 13, which have some income restrictions, individuals can use this program to get relief even if they have a higher income or a significant amount of assets. Plus, as an added bonus, it is not all or nothing. Those who use this method for debt relief actually get to decide which debts they want to include in the repayment plan and which they do not.

Individuals who are facing bankruptcy may find useful information on the website that could potentially help them as they work to receive a fresh start.

SEE HOW NICOLET LAW MAKES A DIFFERENCE IN OUR CLIENTS’ CASES

CAR ACCIDENT

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$1,200,000.00*

CAR ACCIDENT

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$50,000.00*

VEHICLE ACCIDENT

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$1,117,000.00*

VEHICLE ACCIDENT

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115,000.00*

MOTORCYCLE ACCIDENT

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$1,100,000.00*

MOTORCYCLE ACCIDENT

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$650,000.00*
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PEDESTRIAN HIT BY CAR

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$1,050,000.00*

PEDESTRIAN HIT BY CAR

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$0.00 - denial*

DRUNK DRIVING ACCIDENT

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$815,000.00*

DRUNK DRIVING VICTIM

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$0.00*

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$550,000.00*

UTV ACCIDENT

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$75,000.00*

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Nicolet Law Office is honored to have been nominated for numerous awards for excellence in service and client satisfaction. Our attorneys have appeared in such prestigious lists as Top 40 Under 40 and Rising Stars. While we’re thankful to have the support of industry peers and independent third-party organizations, nothing beats the feeling of gratitude we share with clients when we can make a positive impact on their lives.

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12 locations in Wisconsin and Minnesota to serve you

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Wisconsin Locations:

EAU CLAIRE:

402 Graham Ave.
Suite 305
Eau Claire, WI 54701

Phone: (715) 835-5959
Map & Directions

HUDSON:

517 2nd Street
Unit #205
Hudson, WI 54016

Phone: 715-226-6158
Map & Directions

LA CROSSE:

119 N 19th St S
La Crosse, WI 54601

Phone: 608-527-0876
Map & Directions

NEW RICHMOND:

1500 Madison Ave.
Suite 220
New Richmond, WI 54017

Phone: 715-226-6164
Map & Directions

RICE LAKE:
337 North Main Street
Rice Lake, WI 54868

Phone: (715) 790-1114
Map & Directions

RIVER FALLS:
215 S 2nd St #20
River Falls, WI 54022

Phone: (715) 716-5869
Map & Directions

SUPERIOR:
1200 Tower Ave.
Superior, WI 54880

Phone: (715) 718-2969
Map & Directions

WAUSAU:
408 3rd Street
Suite 303
Wausau, WI 54403

Phone: (715) 716-5092
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Minnesota Locations:

DULUTH:
306 West Superior Street,
Suite 606 West
Duluth, MN 55802

Phone: (218) 729-0628
Map & Directions

HIBBING:
Howard Court Bldg.
302 Howard Street, Suite 123
Hibbing, MN 55746

Phone: 218-217-0659
Map & Directions

MINNEAPOLIS:
225 South 6th Street
Suite 3800
Minneapolis, MN 55402
Phone: (612) 446-3999
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WOODBURY:
724 Bielenberg Drive
Suite 126
Woodbury, MN 55125

Phone: (651) 815-0017
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