MILWAUKEE BANKRUPTCY ATTORNEY
A clearer path through overwhelming debt.
Milwaukee bankruptcy attorney Luke T. Witte helps individuals and families understand their debt-relief options, including Chapter 7 and Chapter 13 bankruptcy.
STRAIGHTFORWARD GUIDANCE
Financial pressure can feel impossible. You still have options.
Debt can affect every part of daily life—from answering the phone to paying household expenses and protecting the things you have worked hard to build. Bankruptcy is one legal tool that may provide a structured way to address qualifying debts and move forward.
Luke works directly with clients to review income, debts, property, and financial goals. He will explain the available options in plain language so you can make an informed decision about whether bankruptcy is appropriate for your circumstances.
START WITH THE FACTS
Bankruptcy is not one-size-fits-all.
Chapter 7 and Chapter 13 serve different purposes and have different eligibility requirements, timelines, and effects on debts and property.
A careful review can help you understand what bankruptcy may—and may not—accomplish before you decide whether to file.
DEBT-RELIEF OPTIONS
Understanding the possible paths.
Chapter 7
A liquidation process that may discharge certain qualifying debts. Eligibility, exemptions, liens, and the possibility of losing nonexempt property must be evaluated carefully.
Chapter 13
A court-supervised repayment plan for eligible individuals with regular income. It may provide a way to catch up on certain past-due obligations over time.
Debt Relief
Review unsecured debts, secured obligations, collection activity, and alternatives that may be available inside or outside bankruptcy.
Protecting What Matters
Understand how bankruptcy exemptions, secured debts, and the facts of your case may affect your home, vehicle, wages, and other property.
POSSIBLE PROTECTIONS
What filing may change.
Filing a bankruptcy petition generally puts an automatic stay into effect. The stay can pause many collection actions, although exceptions apply and creditors may ask the court for relief from the stay.
Collection Activity
Many creditor calls, lawsuits, and collection efforts may be paused while the bankruptcy case is pending.
Wage Garnishment
The automatic stay may stop or pause certain garnishments, depending on the type of debt and the circumstances.
Foreclosure or Repossession
A filing may temporarily pause certain actions and, in some Chapter 13 cases, create time to address missed payments through a plan.
GET IN TOUCH
Talk through your financial situation.
The first conversation is an opportunity to explain what you are facing, ask questions, and learn which options may deserve a closer look.
Call: (262) 618-4412
Office: 1971 Washington Street, Suite 102
Grafton, WI 53024
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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