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There are fewer restrictions on the timing for filing a Chapter 128 plan: An individual can file more than once and can file more often (you can only receive a discharge from a Chapter 7 Bankruptcy once every 8 years). A ?Means Test? is not required. Credit counseling is not mandatory.
The purpose of the notice of retainer is to indicate to the court who you are representing. The court may already know who you are representing, and can add you as the attorney of record for the appropriate party before you opt in.
These payments can be made by payroll deduction or directly to the trustee administering your Chapter 128. Protection from creditors and collection agencies and their constant calls and attempts to get you to pay. A CHAPTER 128 IS NOT A BANKRUPTCY AND NO BANKRUPTCY WILL BE ON YOUR CREDIT REPORT!
Wisconsin Chapter 128 is a program under Wisconsin state statutes that allows an individual residing in Wisconsin to consolidate their unsecured debts (i.e. credit cards, medical bill, utility bills, payday loans) into one monthly payment over a period of 36 months.
The public may view all nonconfidential portions of a circuit court record in person, at the office of the clerk of court for the county where the case was filed, or may view certain portions of the circuit court record online via the Director of State Courts' public internet website.
It is open to any resident of the State of Wisconsin. WHAT DOES IT COST? The filing fee is $31.50 in most counties (slightly higher in Milwaukee County). There will also be attorney's fees which are set by the attorney, not the trustee.
There are several ways to obtain copies of documents. Access documents electronically from PACER (Public Access to Court Electronic Records). Visit the clerk's office in Madison or Eau Claire: ... Send a written request or call the clerk's office to have the requested documents printed.
The debtor submits the petition, affidavit and repayment plan to the court in the county in which he or she lives and the court will issue a protective order preventing interest from accruing on the debts, wage garnishment or asset attachments by creditors and utility shut-offs.