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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. The trustee's fees are a percentage of your total debts and are not an upfront cost but rather are paid out over the term of your plan.
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!
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.
Bankruptcy is a legal proceeding initiated when a person or business is unable to repay outstanding debts or obligations. It offers a fresh start for people who can no longer afford to pay their bills.
In a nutshell here is how it works: take your unpaid unsecured debt(s), file the court-approved case documents, and then pay your debts back in equal monthly payments over 36 equal monthly payments. You do not (generally) ever have to go to court or even attend any other meetings.
To file a Chapter 128 Debt Amortization Plan, the individual must be a Wisconsin resident and must be able to prove he/she has a consistent source of income. When filing for a Chapter 128, an Affidavit of Indebtedness must be submitted along with a Petition to Amortize Debts and an Order.