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This guide is designed to help people who cannot afford an attorney to learn more about the amortization of debts process (also known as "a Chapter 128"). Filing an Amortization of Debt (Chapter 128) Case in.Step-by-step instructions for amortization of debt (Chapter 128) in Wisconsin. All these steps are required when filing bankruptcy. The debtor begins the section 128. This letter is to advise you that the Civil Division in Milwaukee County has changed the procedures for Chapter 128 cases effective immediately. Amortization of Debt (Chapter 128). You won't have to file tax returns, get credit counseling or even go to court. Chapter 128 allows you to organize your debt without filing bankruptcy. It is open to any resident of the State of Wisconsin.
