Understanding Chapter 128 Debt Amortization in Wisconsin

Nov 11 2025 15:00

If you’re struggling to keep up with credit card payments, medical bills, or personal loans, but don’t want to file for bankruptcy, Wisconsin’s Chapter 128 Debt Amortization may be the solution you’re looking for. This unique state-specific option helps individuals manage unsecured debts while protecting their income and assets.

What Is Chapter 128?

Chapter 128 is a Wisconsin law that allows residents to consolidate and repay certain debts over a three-year period through a court-approved repayment plan. Unlike bankruptcy, Chapter 128 doesn’t require you to liquidate assets or appear before a bankruptcy trustee. Instead, you make regular monthly payments to a court-appointed trustee, who distributes the funds to your creditors.

How It Works

Once you file under Chapter 128, your creditors are legally prohibited from pursuing wage garnishment or collection actions. You’ll work with your attorney to list qualifying debts, typically including:

  • Credit cards

  • Medical bills

  • Payday loans

  • Personal loans

Your attorney will propose a repayment plan based on your income and debt load. The court then approves the plan, and you make one manageable payment each month until your debts are paid off—usually within 36 months.

Benefits of Chapter 128

  • Stops wage garnishments and collection calls

  • No asset liquidation—you keep your property and home

  • Protects your credit rating better than bankruptcy in many cases

  • Affordable legal process with predictable payments

Is Chapter 128 Right for You?

Chapter 128 is an excellent option for Wisconsin residents with steady income who need breathing room to pay off unsecured debts without the long-term impact of bankruptcy. It’s not ideal for those with large secured debts (like mortgages or car loans), but it can be a lifesaver for managing everyday financial burdens.

Work with Experienced Wisconsin Debt Relief Attorneys

At German & Troyer, we’ve helped countless clients regain financial stability through Chapter 128 plans. Our team guides you every step of the way—from filing and court approval to completing your repayment successfully.

If you’re ready to take control of your debt and protect your paycheck, contact German & Troyer today for a free consultation.

German & Troyer Attorneys at Law
2266 N Prospect Ave, Suite 509, Milwaukee, WI
📞 (414) 272-0290 | 🌐 germantroyer.com