Debt Relief Attorney in Milwaukee

Focused Bankruptcy Representation: More Than 25 Years Helping Milwaukee Clients

When debt becomes unmanageable, the right legal guidance makes the difference between years of struggle and a clear path forward. At Sapinski Law Office, S.C., I focus exclusively on bankruptcy and debt relief law. That focus matters: clients get a thorough evaluation of available options, not a one-size approach from a generalist firm. I work personally with each client from the first consultation through resolution. No handoffs, no surprises.

I serve Milwaukee County and the surrounding area, with offices in Milwaukee, Elm Grove, and Appleton. Free initial consultations are available in person or by video chat.

Debt Relief Options I Evaluate for Every Client

Debt relief isn’t a single solution. It’s a category that includes both bankruptcy and non-bankruptcy paths, and the right one depends on your income, assets, the type of debt you carry, and how urgently your situation needs to change. Before recommending any course of action, I review the full financial picture.

Chapter 7 Bankruptcy

Chapter 7 can discharge qualifying unsecured debts, including credit card balances and medical bills, through a court process that typically concludes in a matter of months. Eligibility depends on a means test comparing your income to Wisconsin’s median. When a bankruptcy petition is filed, an automatic stay goes into effect immediately, halting creditor calls, wage garnishments, foreclosure proceedings, car repossession, and most IRS actions. Utility shutoffs are also paused, though that protection is generally limited to the first 20 days following the filing.

Chapter 13 Bankruptcy

Chapter 13 allows individuals with regular income to reorganize debt through a court-approved repayment plan, typically spanning three to five years. It’s particularly useful if you want to keep assets or catch up on mortgage arrears. The automatic stay applies here as well, stopping collection actions from the moment the petition is filed.

Debt Negotiation

For clients who qualify, I negotiate directly with creditors to settle unsecured debts for less than the full balance owed. Creditors have accepted settlements forgiving 70 to 80 percent of the balance. This path avoids a bankruptcy filing while still substantially reducing what you owe.

Wisconsin Section 128 Repayment Plan

Wisconsin Section 128 allows eligible debtors to repay certain debts through a state court-administered plan without filing federal bankruptcy. It’s a state-law alternative that works for clients whose debts and income fall within the program’s parameters.

Why Milwaukee Clients Choose Sapinski Law Office, S.C.

When you’re evaluating a debt relief attorney in Milwaukee, general credentials only tell part of the story. Here’s what actually sets my practice apart:

• Focused practice: I don’t handle other legal areas. Bankruptcy and debt relief is all I do, and more than 25 years of that work means I’ve seen nearly every type of case.
• More than 2,000 Wisconsin filings: That volume translates to efficient, accurate case handling and familiarity with local court expectations.
• Credit restoration included: After a filing, rebuilding credit is the next concern for most clients. My credit restoration program, included at no additional charge, provides guidance on rebuilding credit after bankruptcy.
• Affordable payment plans: Many cases are filed for little or no money down, with straightforward payment arrangements for attorney fees.
• Personal attention: I work directly with each client throughout the process. Once you’ve signed on, there’s no handoff to a paralegal.

Schedule Your Free Consultation with a Milwaukee Debt Relief Attorney

A free initial consultation gives you a clear picture of which options apply to your situation and what the process looks like before you commit to anything. You can meet in person at any of my three offices or connect by video chat. Call (888) 298-1041 to schedule your free consultation today.