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Milwaukee county chapter 128 Order Forms

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Commonly Asked Questions about Milwaukee county chapter 128 Order Forms

If you are burdened with debt and for whatever reason cannot, or do not, wish to file bankruptcy, you may qualify for a Chapter 128 voluntary debt consolidation plan. It is open to any resident of the State of Wisconsin. WHAT DOES IT COST? The filing fee is $31.50 in most counties (slightly higher in Milwaukee County).
Chapter 128 is neither bankruptcy, nor credit counseling. It is a debt consolidation repayment plan through the court system. You get 36 months to pay off items, which are not considered collateral debts, like credit cards, medical bills, personal loans and miscellaneous bills.
What Is Section 128? This unique Wisconsin statue allows Wisconsin wage earners to consolidate most types of unsecured debt. Through Section 128 you can pay off creditors - including credit cards without: Interest.
To file a Chapter 128 Debt Amortization Plan, the individual must be a Wisconsin resident and must be able to prove he/she has a consistent source of income. When filing for a Chapter 128, an Affidavit of Indebtedness must be submitted along with a Petition to Amortize Debts and an Order.
A Chapter 128 should not affect a credit report like a bankruptcy does, although some have reported that a Chapter 128 appeared on their credit histories due to the unique nature of the law.

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