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#1
08-27-2008, 01:20 PM
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Wisconsin Chapter 128
I was wondering if anyone has filed Chapter 128 in the state of Wisconsin for their payday loans. I was considering doing it and was wondering how it works?
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#2
08-27-2008, 01:25 PM
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Seems like I remember another member here mentioning that, you could type it into the search box in the upper right hand corner of this forum and see if you come up with anything. Keep checking back.
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#3
08-27-2008, 01:44 PM
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I considered filing Chapter 128 a few years ago prior to my bankruptcy. I know there are a few members on this site who are currently in one and it's working great for them.
You can include your payday loans in a chapter 128. The trustee I spoke with just wanted a list of all my creditors I wanted to inlude in the plan and the amounts. She needed my income and she basically came up with a monthly payment amount. Even though it's not bankruptcy creditors must follow it and it will also stop garnishments and judgements. Here is a bit of info I found. About Chapter 128 WHAT IS CHAPTER 128? Chapter 128 is a voluntary debt consolidation plan through the Wisconsin Circuit Court system. It is not a consumer credit counseling plan and it is not bankruptcy. __________________
ILLINOIS LICENSE SEARCH / CONSUMER CREDIT / GUIDE TO PAYDAY LOANS http://www.idfpr.com/dfi/ccd/ccd_licensees.asp ILLINOIS PAYDAY LOAN LAWS http://www.paydayloaninfo.org/state_detail.cfm?id=IL WISCONSIN PAYDAY LOAN LAWS http://www.paydayloaninfo.org/state_detail.cfm?id=WI WISCONSIN LICENSE SEARCH http://www.wdfi.org/fi/lfs/licensee%5Flists/
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#4
08-27-2008, 01:47 PM
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Thanks. I have been looking into it for awhile and was just wondering a good lawyer. Do you know it affects your credit?
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#5
08-27-2008, 03:20 PM
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Good luck . Let us know how it works out
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#6
08-27-2008, 03:25 PM
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Thanks! I am in the process of contacting an attorney. I just looked at all of my payday loans and I did not think I had that many but man do I. I hope I can get things set up so I can at least put a hard debit block on my account before next Friday (when everything comes out). I still have five checks out.
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#7
08-28-2008, 11:50 AM
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I'm one month in my Chapter 128, and it's been great--just wish I had more faith in it from the beginning and placed more creditors into the program! I did mine through an attorney out of Milwaukee, and it was all done online.
It's definitely worth looking into if you're in Wisconsin.
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#8
08-28-2008, 11:55 AM
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I wish other states had something like this. I used to live in Wisconsin, now I live 25 minutes away in Illinois. Maybe I should think about moving back...LOL.
No, but it's a good thing and I hope it works out well for you. __________________
ILLINOIS LICENSE SEARCH / CONSUMER CREDIT / GUIDE TO PAYDAY LOANS http://www.idfpr.com/dfi/ccd/ccd_licensees.asp ILLINOIS PAYDAY LOAN LAWS http://www.paydayloaninfo.org/state_detail.cfm?id=IL WISCONSIN PAYDAY LOAN LAWS http://www.paydayloaninfo.org/state_detail.cfm?id=WI WISCONSIN LICENSE SEARCH http://www.wdfi.org/fi/lfs/licensee%5Flists/
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#9
08-28-2008, 12:33 PM
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Cool! I have emailed a couple lawyers. So now it is just a waiting game on when they are going to email me back.
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