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  • Before you decide how best to resolve your debts and get a fresh financial start, you should be familiar with the basic rules under which debt collectors operate. The rules for debt collection are generally outlined in the Federal Fair Debt Collection Practices Act and similar state collection laws (such as the Wisconsin Consumer Act). […]

  • If this article describes you or someone you know, you aren’t alone and it is not your fault. There are some fundamental economic problems in our society today. I chose to be a consumer debt attorney in order to help people overcome difficult financial situations. https://money.cnn.com/2018/05/17/news/economy/us-middle-class-basics-study/index.html

  • I care about my clients and their financial situations. I make it a practice to respond to clients in a timely manner: in person, on the phone or by email or text. I give clients financial options and alternatives whenever available. Bankruptcy rules about income, assets, debts and collections are set by law. Missing information […]

  • If you file decide to file a bankruptcy, approximately four to six weeks after filing a bankruptcy, you will have to appear at what is called a “341 hearing.” This is essentially a meeting between a local trustee, your attorney and yourself at a local office building (in Madison) or courthouse. This meeting is very […]

  • Have you had a car collision? Do you have driving tickets or fines that are threatening your driver’s license? If you have been threatened with license suspension or your license has already been suspended, Chapter 7 or 13 bankruptcies can help eliminate the debt that is hindering your license and help you to get your […]

  • Please contact Equifax to determine whether your personal financial information was “hacked.” Equifax failed to protect the credit information and identify of about 143,000,000 Americans in 2017. Always remember that you can freeze your credit to protect it right now. You can call Equifax (1-800-349-9960), Experian (1-888-397-3742) or TransUnion (1-888-909-8872). The credit agencies will ask […]

  • What happens when you’ve received your paycheck, but it’s much smaller than you expected because a creditor has taken part of your wages? Garnishments and wage levies are an emergency situation for many people, and often make it difficult for people to keep their lights on and rent paid. Wisconsin law allows up to 25% […]

  • Are hardship withdrawals from IRAs or retirement plans “income” for purposes of a bankruptcy statement of income (or means test)? No, such withdrawals made in the past 6 months do not generally count toward your income for that period. However, during the course of the bankruptcy, you may have to provide your Bankruptcy Trustee with […]

  • Are you in need of a review of a variety of debt resolution options? Would you like to clear up your finances before the new school year? Please call 608-620-5338 to review your options and take care of your debt once and for all! There are many options, including debt resolution through monthly payments, debt […]

  • What if you need to file bankruptcy but you do not currently have enough funds to pay an attorney or Court filing fees? Badger Bankruptcy LLC takes monthly payments in whatever amount you can afford. You pick your own monthly payment. Fees can also be paid through a Chapter 13 Bankruptcy Plan. In some cases, […]

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