Bankruptcy Alternatives

In Wisconsin, there is an excellent option if you can’t file bankruptcy or don’t want to file bankruptcy.

Using Chapter 128 As A Bankruptcy Alternative

Wisconsin has a unique law for debt relief that has been on the books since 1937 which is known as a Chapter 128 filing. This is a non-bankruptcy alternative that lets you pick which debts (like high interest payday loans and credit cards, utility bills, medical bills and other unsecured debt) you want to pay off with a single monthly payment.

The debt is paid in full over 36 months (three years) at 0 percent interest. Any person whose principal source of income consists of wages or salary may file a Chapter 128. Secured creditors (mortgage and car loans) can go to State Court to have their debts kicked out of your Chapter 128 Plan.

You can stop collection, utility disconnections (WE Energies has exceptions), garnishments, and creditor harassment once your case is filed and a judge signs a protective order. (There is a filing fee paid to the clerk of courts.)

A trustee is appointed to your case and notifies and pays your creditors, either monthly or quarterly. The trustee gets a fee (7 percent if the payment is deducted from your check or 10 percent if you pay directly) that is included in your monthly payment. You pay some attorney fees up front and the rest can be paid off in the plan (included in your monthly payment), but your case will be dismissed if you don’t make your payments.

The Bankruptcy Code requires that you: list all your debts; provide detailed information about your finances and assets; go to court and testify under oath; complete two courses (credit counseling and financial management) and other burdensome requirements. Then you can get a discharge of some or all of your debts. You can wipe out your debts in a Chapter 7 (“fresh start”) Bankruptcy once every eight years and there are other requirements in a Chapter 13. You may not be able to refile right away if your case is dismissed.

Is Chapter 128 Right for You?

Attorney Patrick Rupich will help you decide which type of debt relief is right for you.

Rupich Law Offices serves the Milwaukee Metropolitan area, Southeast Wisconsin, and the Fox River Valley, and offers no-charge consultations with weekend and weeknight appointments available.

Call Rupich Law Offices today at 414-302-7042 for your free consultation. Please contact Rupich Law Offices if you have any other questions or concerns.

Contact Pat About Your Case

The best way to get guidance on your specific legal issue is to contact a lawyer. To schedule a meeting with Attorney Patrick Rupich, please call or complete the contact form below.

Contact Attorney Pat Rupich

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

About Rupich Law

Attorney Pat Rupich focuses his law practice in the areas of criminal defense, juvenile defense, restraining order defense, and debt options.  He serves southeastern Wisconsin and the Fox Valley, including Milwaukee County, Outagamie County, Winnebago County, and Fond du Lac County


  • Criminal Defense
  • Juvenile Defense
  • Restraining Orders
  • Bankruptcy

Milwaukee WI

Rupich Law Offices
The Clock Tower Building
2266 N. Prospect Ave, Ste 606B
Milwaukee, WI 53202

(414) 302-7042
Fax (414) 455-0830


Madison office
6601 Grand Teton Plaza, Ste 7
Madison, WI 53719

(608) 622-1816

Do not send Attorney Rupich private information until you speak with us and receive specific authorization to send information to us. Unsolicited information is not confidential. Unless and until you enter into a written attorney-client contract with Attorney Rupich, any information provided to Attorney Rupich is not private or confidential, and is not protected by attorney-client privilege or by any other privilege or confidence.