Non-Bankruptcy Alternatives

If you are living with the burden of overwhelming debt, you probably think about it constantly. Whether you are reminded of it anytime your phone rings, or when you walk down to the mailbox, you are experiencing a stressful situation. You may not want to file bankruptcy. In fact, you may not need to. The law firm of Czachor, Polack & Borchardt, L.L.P. , can help you explore alternatives to bankruptcy filing. We can help you eliminate your debt, pay your bills on time, and obtain a fresh start on your finances.

Would you like to learn about your bankruptcy alternatives? To schedule your initial consultation with a lawyer at one of our four convenient Northeast Wisconsin locations, please call toll free at 1-888-557-7573 or e-mail us. We offer flexible appointment hours.

What are my options?

Our attorneys know that virtually anyone can find themselves in over their heads financially. A divorce, job loss, unexpected medical bills, and countless other situations can cause money problems. While bankruptcy is a viable option for many, some people may not need to or want to file bankruptcy. Czachor, Polack & Borchardt, L.L.P. , can explore your bankruptcy alternatives and identify the most advisable choice. Bankruptcy alternatives can include the following:

  • Debt settlement: It may be possible to negotiate with your creditors to lower your interest rates, lower payments, and arrange a payment plan.
  • Credit counseling services: You can obtain guidance regarding how to pay off your bills, which bills to focus on paying first and budgeting solutions.
  • Wisconsin Chapter 128 Amortization: This is unique to Wisconsin residents. Chapter 128 allows debtors to pay off debt in one monthly payment over a period of up to three years. You can pay off bills such as overdue utilities, credit card bills, medical bills, civil judgments, and other accounts in collections while stopping interest and collection activity.

About the Fair Debt Collection Practices Act (FDCPA)

Under the FDCPA, creditors are prohibited from engaging in certain abusive and unlawful behaviors when attempting to collect a debt. For example, creditors cannot harass you at work when you have asked them to stop, cannot threaten criminal prosecution, and cannot contact third parties regarding your debt. If you are experiencing abuse from a creditor, call our firm.

Czachor, Polack & Borchardt, L.L.P. , can help you obtain debt relief. Call us at 1-888-557-7573 to schedule your initial consultation today.

We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.