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Chapter 7 – Eliminate Debt

Never go into a Courtroom Alone!

Chapter 7 is designed for people who are having financial difficulties and are not able to re-pay their debts. Under the changes to the Bankruptcy Code that took effect October 17, 2005, you can usually qualify for a Chapter 7 if your average gross monthly income for the last six months is below your state’s Median Income, your gross income less certain expenses is below your state’s Median Income, or you can show “special circumstances” that would allow you to qualify for Chapter 7. The filing fee for a Chapter 7 is $335.00.

Under Chapter 7, you can usually exempt, or keep, most or all of your property under either Federal Law or Wisconsin Law, or, if you have not lived in Wisconsin for the past two years, under the state’s exemption law that applies to your case. Most retirement accounts and pensions are also exempt. Secured property, normally your car and house, may not have any net equity, in which case you can keep them as well. The Trustee liquidates most non-exempt property and uses the proceeds to pay your creditors according to priorities of the Bankruptcy Code.

Once your Chapter 7 case is over, you receive a Discharge. The discharge prevents your creditors from taking any steps to try to collect their unsecured debt. They cannot call you, write you, sue you, or take any steps that could be considered an attempt to collect the debt. If you want to keep property that has a lien on it, you must keep your payments current, and may be required to reaffirm your debt. Some debts cannot be discharged. Typical examples are child support, alimony, and other domestic support obligations, some taxes, student loans, criminal restitution, and debts for death or personal injury caused by operating vehicles while intoxicated with alcohol or drugs.


Our Results

Find out what our trial-tested defender can achieve.


Beyond Expectations

My husband had never been in any legal trouble before and we didn’t know what to do or what the process was. Attorney Kaehne was very upfront and willing to explain every step of the way. My husband can be very skeptical when it comes to trusting people with his best interest, but Attorney Kaehne always remained professional and helpful. My husband was facing the possibility of years in prison and Attorney Kaehne was able to get the matter dismissed. He will always be our first choice!

The Outcome was Far Better than I Expected

Attorney Kaehne always communicated with me on what was going on and his plans for future court appearances. The outcome of the case was far more better than I expected and am really pleased that Chad did what he did to get this issue resolved.

Treated like Family

Amazing people as well as amazing attorneys. I was always treated like family.

Not Guilty Verdict

Attorney Corey Mehlos gave my case the upmost attention. He worked very hard and many long hours on it. I was impressed with his dedication and his understanding to my wishes. Not Guilty verdict at my jury trial. I highly recommend him.

In Good Hands

One of the best things about this firm is that they are truly advocates for you in every sense of the word. They listen, affirm, and explain everything without all the jargon that can so often times come with anything regarding the legal cases. I felt supported and knew I was in good hands.

Getting Responses at 9:00 pm at Night

The best lawyer you can hire for your case! Chad was extremely helpful and polite in answering all of my questions. I was even getting responses to my emails at 9 at night. He did a great job helping me get through the legal process. I recommend him to anyone needing a good lawyer.

Keen Sense of Justice and Honesty

Amaro is a very efficient attorney with extensive knowledge of the hispanic culture and language. He has a keen sense of justice and honesty. For the years I have know him he has proven to be a source of counsel. His clients will find his humble and cordial demeanor, appealing and refreshing. This is why I would recommend Amaro to everyone looking for legal advice.

Never Stops Working

An excellent attorney. Nicholas was very helpful with our case. He excelled at explaining complex legal concepts. Very accessible, we never had an issue getting an answer to a question. I don't think he stops working. Highly recommended.

Passion and Understanding for her Clients' Wishes

Attorney Cottle helped with my immigration case, she made the whole process much less stressful and you could tell she had a passion and understanding for her clients' wishes. Great experience, would highly recommend!

Available and Responsive to Needs of her Clients

Attorney Laborde shows professionalism in everything she does. She is a thorough lawyer who honestly cares about her clients and represents them to her full ability. She makes herself available and is responsive to the needs of her clients. I would certainly recommend her family law services!

Over-the-Top Attorney

From my experience, Attorney Kelsi Cottle has been an over-the-top attorney. She keeps me apprised of my case, has answered my questions, and treats me with respect. She has been very efficient, handles things expediently, and I feel I am represented by a very sharp attorney who has my best interest in mind.