Chapter 128 Debt Amortization

Debt Relief Without Bankruptcy

If you're struggling with debt but want to avoid bankruptcy, Wisconsin’s Chapter 128 debt amortization plan may be the solution. This structured repayment plan helps you regain financial stability without the long-term impact of bankruptcy.

See If You Qualify
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Avoid Bankruptcy – Repay debts without bankruptcy’s impact on your credit.

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Simplified Payments – Consolidate multiple debts into a single monthly payment.

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Lower Interest Rates – Reduce or eliminate interest on qualifying debts.

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Legal Protection – Stops wage garnishment and collections while you repay your debts.

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 How Chapter 128 Works

Struggling with debt can be overwhelming, but you don’t have to go through it alone. Chapter 128 is a unique Wisconsin law that allows individuals to pay off debts in a structured, court-approved plan—without filing for bankruptcy.

Under Chapter 128, your unsecured debts (such as credit cards, medical bills, and payday loans) are consolidated into a structured repayment plan. Instead of juggling multiple payments, you’ll make

one predictable monthly payment.


Once your plan is approved, creditors must stop collection efforts, including wage garnishments and lawsuits. This gives you peace of mind while you focus on repaying your debt.


Most Chapter 128 plans are completed within three years. Unlike bankruptcy, there’s no requirement to liquidate assets, and you won’t face a lasting mark on your credit report.

FAQ Section

Common Questions About Chapter 128

  • 1. Who qualifies for Chapter 128?

    If you have steady income and unsecured debts (credit cards, payday loans, medical bills), you may qualify. Our attorneys can help determine your eligibility.

  • 2. Does Chapter 128 affect my credit?

    Unlike bankruptcy, Chapter 128 is not a public record on your credit report, although your ability to obtain new credit may be temporarily affected.

  • 3. Can Chapter 128 stop wage garnishment?

    Yes! One of the biggest benefits of Chapter 128 is that it stops wage garnishments and creditor lawsuits while you repay your debts.

Take Control of Your Financial Future.

Explore your debt relief options with confidence.