Bankruptcy Attorney in St. Croix County, Wisconsin

Debt Relief Solutions from An Experienced Wisconsin Bankruptcy Lawyer

The negative stigma once associated with filing for bankruptcy is a thing of the past. With the declining housing market and the subsequent financial downturn facing our country, people from all walks of life are falling into insurmountable debt and seeking bankruptcy relief. People find themselves in need of bankruptcy relief for a variety of reasons, many of which are completely beyond their control, including:

• Loss of income

• Layoffs

• Illness

• Declining property values

• Increased cost of living

If any of these issues have brought you into severe debt, I can help. With more than 25 years of experience as a Hudson bankruptcy law attorney, I can help you find the debt-relief solutions you need. I have helped many Wisconsin residents file for bankruptcy relief. If your bills and expenses amount to more than your income every month, let me help you.

Find Out If You Qualify for Chapter 7 Bankruptcy Today

The requirements for Chapter 7 eligibility are not strict, and most people with serious debt problems qualify for Chapter 7 bankruptcy. For example, for a family of four, the bankruptcy guidelines allow an annual income of up to $75,000.

Meet me in a free initial consultation to determine whether you are eligible for Chapter 7. I serve St. Croix County, Wisconsin, and the neighboring areas of Pierce County, Polk County and Dunn County.

Mortgage Relief Through Bankruptcy

Foreclosure is one of the biggest fears for people facing debt problems. Losing a home is unthinkable for most people. With the declining housing market in St. Valley and in many other areas of Wisconsin, more homeowners are facing foreclosure than ever before. If you are at risk of losing your home to foreclosure, contact me.

I can use my many years of bankruptcy experience to help you find the right bankruptcy solution. One common example involves eliminating second and subsequent mortgages. If your home is worth less than what you owe on your first mortgage, it is possible to eliminate these lesser mortgages in Chapter 13 bankruptcy. Chapter 13 will force the remaining loan into a more realistic payment plan.

The automatic stay that comes with Chapter 7 bankruptcy prohibits lenders from continuing their collections actions until the bankruptcy proceeding is finalized.

There may be other defenses against foreclosure, as well. Talk to an attorney as soon as possible.

Bankruptcy Information

Bankruptcy may seem simple, but it is more complex than it first appears.
With the recently passed changes, you will need an attorney before filing for bankruptcy. Wertheimer Law Offices, S.C. located in Hudson, Wisconsin has been serving clients in need of bankruptcy services for over two decades.

Wertheimer Law Offices, S.C. can help you take back control of your life through the strategic use of bankruptcy laws. We serve clients in a variety of bankruptcy matters:

If you would like more information on Bankruptcy or any topics which concern a legal matter, please contact Rob Wertheimer for a free initial consultation. I serve St. Croix County, Wisconsin, and the surrounding areas of Pierce County, Polk County and Dunn County.

Chapter 7 Bankruptcy

This is referred to as “straight liquidation” bankruptcy. This constitutes a complete discharge of your debt and is most useful if you don’t have any assets. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Chapter 11 Bankruptcy

This type of bankruptcy is typically used by businesses to pay off a portion of their debts while still continuing their normal operations. The goal is mutual benefit for both the creditor and debtor because the creditor will be repaid more of the debt owed to them than if the business closed. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Chapter 13 Bankruptcy

Usually referred to as “wage earner” bankruptcy, this is a useful tool for debtors who are threatened with foreclosure and want to keep their house. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Landlord’s Rights in Bankruptcy

Landlords have the possibility of being able to maintain debt collection actions and evictions when a tenant has declared bankruptcy. Our office has been representing the rights of both debtors and creditors for over two decades. We can help them protect their rights and use eviction proceedings to get their unit back. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Recent Changes in Bankruptcy Law

There has been a great deal of discussion in the media and among concerned debtors about the changes in federal bankruptcy law. Contrary to what you may have heard, most people who qualified for protection before still qualify today. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Automatic Stay Created by Filing Bankruptcy

One of the most useful aspects of filing for bankruptcy is that it automatically stops all debt collection actions. This feature gives you much-needed time and space to get your finances back in order. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Foreclosure & Bankruptcy

Filing a bankruptcy petition also stops all mortgage foreclosure actions currently underway, as well as preventing them from the beginning. Our office has experience representing the rights of both debtors and creditors when they are facing bankruptcy and mortgage foreclosure issues. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Business Bankruptcy Cases

Businesses face a number of legal and financial issues that must be carefully considered when filing for bankruptcy. Our attorneys, working with financial experts, prepare all necessary paperwork in representing businesses filing for bankruptcy. We also work with trustees and creditors in developing debt reorganization plans that allow your company to maintain day-to-day normal business operations. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Bankruptcy Adversary Proceedings

We advise and represent parties involved with adversary proceedings. We have a great deal of experience filing adversary proceedings and defending those who may have received a preference payment or an alleged fraudulent conveyance. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

Bankruptcy Trustee Actions

Our lawyers represent trustees with all manner of litigation that may arise in relation to a bankruptcy case. If you would like more information on this subject, please contact Rob Wertheimer for a free initial consultation.

If you need experienced advice in any bankruptcy matter, please contact Rob Wertheimer for a free initial consultation to give our lawyers more information about your financial situation.