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Best Bankruptcy Attorneys in Racine

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Bankruptcy Law Center, LLP logo
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Bankruptcy Law Center, LLP

5439 Durand Avenue, Mount Pleasant, WI 53406
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Bankruptcy Law Center, LLP is a law firm with offices located in Racine, Elkhorn, Milwaukee, and Port Washington. Its team of lawyers can help clients eliminate debts such as medical bills, past-due utilities, and credit card balances through Chapter 7 bankruptcy. It also helps with catching up on payments for mortgage, child support, and IRS with Chapter 13 bankruptcy. Partner and bankruptcy attorney Kristie A. Radloff is authorized to practice in all courts of Wisconsin.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
3.5 / 5 (8)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Bankruptcy Law Office of Richard A Check, S.C. logo
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Bankruptcy Law Office of Richard A Check, S.C.

6233 Bankers Road, Racine, WI 53403
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Bankruptcy Law Office of Richard A Check, S.C., is a bankruptcy law firm serving residents facing financial debt in the Racine area. Founded in 1988, the law firm is committed to helping clients recover from their financial troubles by helping them file for chapters 7, 11, and 13 of bankruptcy. Its bankruptcy lawyers seek alternative methods to filing for bankruptcy, including debt negotiation, mortgage mediation, and loan modification. The firm also helps with resolving student loans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
4.6 / 5 (22)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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BAY BANKRUPTCY LLC logo
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BAY BANKRUPTCY LLC

342 North Water Street, Milwaukee, WI 53202
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

BAY BANKRUPTCY LLC is the private firm of Amy Truran, a bankruptcy attorney serving in Racine and the surrounding areas. Truran concentrates on assisting clients in navigating the chapter 7 and 13 bankruptcies. She helps individuals in eliminating their debts, such as credit card debts, medical bills, and personal loans through a chapter 7 bankruptcy petition. In addition, Truran and her team also provide immediate legal solutions to situations that involve stopping utility disconnections or reclaiming a client's driver's license.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Avvo
5.0 / 5 (2)
Burr Law Office logo
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Burr Law Office

250 East Wisconsin Avenue, Milwaukee, WI 53202
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Creditor Representation

Business Description

The Burr Law Office is a bankruptcy law firm serving the Racine area. Michael Burr founded the firm in 2004 and has since been helping clients file for chapter 7 bankruptcy, which eliminates unsecured debts, and chapter 13 bankruptcy, which allows debtors to pay their debts through a three- to five-year repayment plan. In case bankruptcy isn't the right solution for a client, Burr also helps them with alternatives like debt consolidation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (2)
Cummisford, Acevedo & Associates, LLC logo
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Cummisford, Acevedo & Associates, LLC

7071 South 13th Street, Oak Creek, WI 53154
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  • Debt Settlement

Business Description

Cummisford, Acevedo & Associates, LLC is a law firm for Racine clients in need of legal assistance. The firm is capable of representing banks, credit unions, and lenders. The firm's bankruptcy lawyers can help clients uphold their rights with legal matters involving the declaration of bankruptcy. The lawyers of Cummisford, Acevedo & Associates, LLC are also able to handle mortgage lending matters, real estate-related issues, and business dispute resolution.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Dantzman & Dantzman logo
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Dantzman & Dantzman

324 East Wisconsin Avenue, Milwaukee, WI 53202
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Dantzman & Dantzman is a bankruptcy law firm that serves in Racine and the surrounding areas. Based in Milwaukee, the firm's bankruptcy attorneys help individuals and families in eliminating their debts and keeping their properties by guiding them through the process of filing for bankruptcy. They believe that declaring bankruptcy is a good way to resolve their clients' financial troubles and achieve a fresh start. Dantzman & Dantzman also offers assistance in filing debt amortization plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Law Offices of Maxwell Charles Livingston logo
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Law Offices of Maxwell Charles Livingston

16601 West Greenfield Avenue, New Berlin, WI 53151
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Maxwell Charles Livingston offer bankruptcy lawyer services in Racine and the surrounding areas. Located in Madison and New Berlin, Livingston's firm offers assistance to clients in filing a chapter 7 or 13 bankruptcy petition. His staff in both offices also offers guidance in filing a chapter 128 form, a state alternative to chapter 13 bankruptcy that allows debtors to repay outstanding debts in 36 months. Livingston also practices in the area of labor and employment law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (38)
Avvo
4.7 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Detail
––
Lombardo Law Office logo
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Lombardo Law Office

2230 South 108th Street, Milwaukee, WI 53227
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Lombardo Law Office is a bankruptcy law firm that provides legal services throughout Racine and other areas. The team of attorneys from this company offers chapters 7 and 13 bankruptcy options, debt consolidation services, and bankruptcy alternatives, like Wisconsin chapter 128. The company has been in the industry since 2001. The firm's bankruptcy lawyer, Adam L. Lombardo, specializes in consumer bankruptcy and has helped clients save their homes, stop foreclosures, and get a fresh start.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.6 / 5 (18)
Avvo
5.0 / 5 (3)
Yelp
1.5 / 5 (2)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Detail
––
The Law Office of Steven R. McDonald, LLC. logo
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The Law Office of Steven R. McDonald, LLC.

7300 South 13th Street, Oak Creek, WI 53154
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Debt Settlement

Business Description

The Law Office of Steven R. McDonald is a bankruptcy law firm servicing clients from Racine. The firm's bankruptcy lawyers may assist clients who are facing overwhelming debts file for a chapter 7 or chapter 13 bankruptcy. Depending on the unique situation of the client, the bankruptcy attorney, along with the client, may file for either a chapter 7 bankruptcy to liquidate certain types of debts or a chapter 13 bankruptcy to reorganize debts and payment plans. The Law Office of Steven R. McDonald has been offering legal services for over 15 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (19)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Watton Law Group logo
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Watton Law Group

301 West Wisconsin Ave 5th Floor, Milwaukee, WI 53203
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Bankruptcy

Business Description

Watton Law Group is a legal practice that serves clients in and around Racine. It has been assisting people in resolving their financial issues for more than two decades. It helps its customers understand their legal alternatives and file bankruptcy under chapter 7 or 13, depending on their circumstances. The lawyers at the firm also handle consumer protection and class action lawsuits locally and nationwide. Michael J. Maloney is a partner who manages the firm's bankruptcy department. He practices law in Wisconsin, Missouri, and Utah.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (394)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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