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Milwaukee Bankruptcy Law Blog

Bankruptcy offers a chance at starting over

You fought hard, but no matter how you tried, you couldn't catch up with the overwhelming debt. Whether it was a medical emergency, divorce, job loss or just bad luck that set your finances in a downward spiral, the point is that bankruptcy is your best option. Despite the assurances that a successful bankruptcy is like a reset button for your financial life, you still may feel like a failure.

It may be easy to stay in that frame of mind, but if self-pity is not where you want to be, there are some positive steps you can take. All the negative things that brought you to this point can serve to strengthen your resolve to make the next phase of life even better.

Don't take collector harassment

Are you struggling to meet your debt obligations? Do you have debt collectors hounding you for payment? If you do, you are not alone. Many Wisconsin residents are in your same position.

Debt collectors often take extreme measures in order to collect money they say you owe. You may feel powerless to fight against them. However, you do not have to take the abuse and harassment. There are things you can do to stop it.

What should you know about wage garnishment?

You work hard to earn a living, so when you learn that you are being subjected to wage garnishment, it can be devastating. Wage garnishment is one of the more unfortunate consequences of overwhelming debt, and it can have a detrimental impact on the financial health of your Wisconsin family.

When your debt problem has reached the point where you no longer receive the full portion of your wages, where you are getting phone calls from debt collectors at all hours and where you have no hope of catching up on your own, you have options. You have the right to seek relief from the impact of your debt, including wage garnishment, by filing for bankruptcy.

Your stuff can still be yours, even after filing for bankruptcy

Dealing with unmanageable debt, missed payments and harassment from creditors can be overwhelming, leaving you feeling hopeless. When you are in debt, it may feel like there is no way out, but in reality, Wisconsin residents have various options available to them. You may know that you could file for either Chapter 7 or Chapter 13 bankruptcy, but for many consumers, Chapter 7 is a beneficial choice.

One of the main concerns that hold people back from making this important choice for their financial future is a fear over what will happen to their personal property. There are often misconceptions that by filing for bankruptcy, a person will lose his or her property, but that is not the case. You may be surprised to learn that you can file for Chapter 7 and still keep your stuff.

Scam targets We Energies customers

This article was initially published in Milwaukee Journal Sentinel by Jesse Garza on September 29, 2017.

Scammers threatening to disconnect service to We Energies customers are directing potential victims to purchase prepaid debit cards to pay supposed past due balances, the utility reported.

More than 70 customers have reported such calls in the past week, We Energies spokeswoman Amy Jahns said.

In need of mortgage relief? Don't trust just anyone

Even though the housing and job markets have recovered fairly well over the last several years, there are those in Wisconsin who are struggling to keep up with their mortgage payments. Are you one of the many Wisconsinites in need of some mortgage relief? If so, don't trust your financial future to just anyone.

It is a sad reality that there are individuals out there looking to take advantage of people who honestly need help. Debt relief scams are real, and if you are not careful, you could find yourself out thousands of dollars and without a home.

Is it time to reorganize your financial closet?

One minute you're fairly satisfied with the way things are going in your financial life. The next thing you know, a few incidents occur that you leave you struggling to make ends meet. That's not enough to make you panic, however, but before you know it, everything seems to be spiraling out of control, and you know you need to do something before the situation gets completely out of hand.

Given the assumption that you probably don't keep a list of debt relief alternatives on hand, it might be helpful to research various options in order to find a way to lose your debt without losing your home, your business or "the family farm."

4 Things You Should Do About the Equifax Hack

This article was initially published in The New York Times on September 10, 2017.

Same story, different details: A massive company (this time, Equifax) was breached by hackers, exposing the private information of millions of people to nefarious actors in who-knows-where.

Hacks like these have become an unfortunate hazard of modern society that we have to protect ourselves against. Locking down your digital life does only so much; we are still at the mercy of security systems from the companies that hold our most valuable information. (Still, here are nine easy steps to protect your digital life, and here are the two online security steps you should stop putting off.)

Restoring credit after bankruptcy

People considering bankruptcy often worry about the impact that bankruptcy will have on their credit. Many people defer bankruptcy longer than they should fearing they will never be able to get a credit card, mortgage or car loan again. Learn the truth about bankruptcy and credit and what can be done to restore credit after bankruptcy.

Contact Our Milwaukee Law Firm

Reach Miller & Miller Law, LLC, online or call us at 414-326-9231 to schedule a free initial consultation. Our law office also provides Spanish language services. Se habla español.

To schedule an initial consultation, call 414-326-9231 or contact Miller & Miller today.

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