Forms chapter 128 2026

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  1. Click ‘Get Form’ to open the Petition to Amortize Debts in the editor.
  2. In Section 1, enter the debtor’s name and address accurately. This is crucial for identification.
  3. Proceed to Section 2 and state the debtor's employer. Ensure this information is current.
  4. In Section 6, select whether payments will be made via payroll deduction or directly to the trustee. Calculate the amount based on your total debt.
  5. Complete the Affidavit of Debts by listing all creditors, their balances, and account numbers in Section A. Remember, this must be notarized.
  6. Prepare copies of all documents as specified in the filing requirements, ensuring you have originals and stamped envelopes ready for submission.
  7. Finally, file your papers with the Clerk of Circuit Court along with any required fees and a cover letter detailing your instructions.

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How Chapter 128 Works. A debtor filing Chapter 128 fills out a simple petition to reorganize debts and an affidavit listing the debts he or she wishes to include. Chapter 128 covers unsecured debts such as credit cards, payday loans, speeding tickets, medical bills, late utility bills and rent payments.
Fees can range from $750 for a Chapter 128 filing to $10,000+ for a complex Chapter 12 filing. Without knowing your individual circumstances and what options will best serve you, an attorney cannot tell you how much his/her services will cost.

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