If you're an honest Wisconsin resident struggling to make ends meet through no fault of your own, then you're in luck. Attorney DeMoon offers representation on both Chapter 7 personal bankruptcy cases, as well as Wisconsin Chapter 128 debt repayment plans (a Court sanctioned alternative to bankruptcy and debt consolidation). Continue reading to learn more about Attorney DeMoon's debt relief services (additional information is included in the 'Bankruptcy and Debt Relief FAQs' section of this website).
CHAPTER 7 PERSONAL BANKRUPTCY
Attorney DeMoon is proud to be a federally recognized 'debt relief agency'. This is a fancy (and legally required) way of saying that he is an attorney who helps people file for relief under the United States Bankruptcy Code- particularly Chapter 7. If you qualify, a Chapter 7 bankruptcy can be a great way to get out from under your debts and gain a fresh start in life. And unlike what some creditors would have you believe, a Chapter 7 bankruptcy is nothing to be ashamed of. Instead, for many individuals, a Chapter 7 bankruptcy is the first step in getting control of their finances and becoming even more productive members of society.
Attorney DeMoon typically files Chapter 7 bankruptcy cases on behalf of Wisconsin residents whose gross (pre-tax) income is less than the State median (approximately $42,205, $57,201, $67,881, $80,243 or $87,743 for a family of 1, 2, 3, 4 or 5, respectively), and whose current monthly expenses (excluding credit card and other unsecured debt payments) are greater than or equal to their net monthly income. If that sounds like you, stop procrastinating and pick up the phone to see if you qualify. And, even if your income is higher or your expenses lower than described above, Attorney DeMoon may be able to refer you to another trusted attorney who will qualify you for relief under Chapter 7 (or 11, 12 or 13) of the Bankruptcy Code. So, it never hurts to call!
What's the cost? Your initial case evaluation is free. If Attorney DeMoon decides to take your case, his fees for a Chapter 7 bankruptcy start at just $1,499, and that includes the $299 court filing fee. In addition, you'll have to pay roughly $60-90 (total) to take the legally required pre and post-filing bankruptcy counseling from an approved not-for-profit credit counseling company. That's it. Please note that Attorney DeMoon's fee must be paid, in full, before your case is filed (as with other attorneys)- otherwise, any unpaid portion of the fee could be discharged in your bankruptcy.
How can you come up with the fee? Many clients borrow the money from family or a friend (and pay it back after their case is filed). Other clients will stop making credit card payments and save that money until they have enough for the fee. In any event, hiring Attorney DeMoon to help you discharge thousands of dollars of debt may be the best return you ever get on your money.
WISCONSIN CHAPTER 128 DEBT REPAYMENT PLANS
Attorney DeMoon also offers a great bankruptcy alternative to Wisconsin residents struggling to pay off unsecured debts (credit cards, medical bills, etc.) under a relatively unknown Wisconsin law referred to as 'Chapter 128'. Instead of discharging your unsecured debts, Wisconsin Chapter 128 can allow you to pay off such debts, without interest, over the course of three years.
Plans filed under Wisconsin Chapter 128 are less expensive, less intrusive and often less damaging to your credit than bankruptcy filings. There are no income qualification limits, you are allowed to choose which unsecured debts to include in the plan, and collection activities such as wage garnishment will be stopped by a court order. There is no meeting of creditors to attend and for most people, no court appearance is required. And, unlike debt consolidation plans offered by companies that are often affiliated with your creditors, Wisconsin Chapter 128 plans are filed by an attorney working solely for you, and overseen by an impartial trustee appointed by a judge.
So, what's the catch? There isn't one. There are limits to the types of debt you can include (typically, car and home payments can't be paid through the plan), and for the plan to work, you must pay off the debts, in full, within three years (which means you need a dependable source of income).
Because Wisconsin Chapter 128 cases can be filed by mail, Attorney DeMoon is available to obtain relief under Wisconsin Chapter 128 in any county throughout the State. As always, your initial case evaluation is free, and if he accepts your case, Attorney DeMoon will quote you a reasonable flat fee that can even be paid through your Wisconsin Chapter 128 repayment plan with no money down (usually only $15-$20/month on a 36 month basis, depending on the complexity of your case). The trustee assigned to your case will also work for a flat fee that's fixed by law. If you are looking for an alternative to bankruptcy, this is it! Call for more details.
Why wait? Whatever your needs, call (262) 248-2488 to set up an appointment with Attorney DeMoon today.
Attorney DeMoon handles Chapter 7 bankruptcy cases throughout the Wisconsin counties of Walworth, Kenosha and Racine, including the communities surrounding Lake Geneva, Genoa City, Pell Lake, Twin Lakes, Elkhorn, Delavan, Darien, Williams Bay, Fontana, Walworth, Springfield, Lyons, East Troy, Whitewater, Burlington and Kenosha. And again, in Wisconsin Chapter 128 debt repayment plan cases, Attorney DeMoon is available for representation in any county within the State of Wisconsin.
