Milwaukee Chapter 7 bankruptcy Lawyer
Stop Collection Calls - Stop Eviction Notices - Stop Foreclosure
Have your creditors threatened to repossess your car? Have your utilities been cut off? Has you drivers license been suspended due to your debt? Are you being evicted from your apartment? Don't let creditors and media reports about bankruptcy scare you. Chapter 7 bankruptcy may still be an option for you. We want to help.
At Miller & Miller Law, LLC, in Milwaukee, Wisconsin, we are Chapter 7 bankruptcy lawyers who help people get out of financial trouble. We have 12 years of experience helping people resolve financial difficulties, and we can help you. The bankruptcy laws have changed, but you may still qualify to begin again through Chapter 7 bankruptcy.
Contact us today for a free initial consultation. Call (414) 326-9231 or (866) 678-9352 to get out of debt.
Typically, people with debts who file a Chapter 7 bankruptcy are looking to discharge unsecured credit card debt, utility bills, back rent, medical bills, uninsured car accident judgments, amounts owed on repossessed or surrendered vehicles, and other debts. They have encountered an event--job loss, serious illness, the death of a spouse--that pushes them over the edge. A Chapter 7 personal bankruptcy filing is a way to start over.
Chapter 7 will NOT eliminate...
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Chapter 7 bankruptcy is available to people with secured debt as well. A person with a mortgage or a car note may have the option of keeping the collateral and keeping the debt. The person filing bankruptcy under Chapter 7 may also choose to surrender the collateral and seek a discharge of the debt.
Financial Freedom in 90 Days
The new bankruptcy law has added certain requirements to filing for bankruptcy protection.
- Means test. This prevents a few people who make too much money from filing for Chapter 7 bankruptcy. Chapter 13 bankruptcy may be an option for these people.
- Credit counseling. We refer people to approved non-profit credit counselors. This must take place before filing for bankruptcy.
- Financial education. This provides people with information about how to manage their financial affairs; the final discharge of debts cannot take place until this step is completed.
- Extended time between bankruptcy filings. The interval between Chapter 7 filings has increased to eight years. Filing under Chapter 13 may not be done within 4 years of a Chapter 7 discharge.
On average, a Chapter 7 bankruptcy takes approximately 90 days from start to finish. Within 30 to 40 days of filing the petition, a hearing is held before a United States Trustee. A Notice of Discharge is usually sent to the filer approximately 60 days after the hearing. Creditors are given notice of the hearing and may attend.
Contact our consumer bankruptcy attorneys today to schedule your free initial consultation. We offer weekday, evening and Saturday hours by appointment, and conference call hours for out of county clients. We handle each case individually; we are not a bankruptcy mill.
Our Chapter 7 bankruptcy lawyers provide legal counsel and representation to people throughout Wisconsin, including Milwaukee, Waukesha, Kenosha, Racine, Ozaukee, and West Bend.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
