When debt troubles arise, they usually stem from promising situations or good intentions. Maybe you started a business that went off the rails; maybe you just tried to take advantage of a promotional annual percentage rate on a prestigious credit card; and maybe you just needed one big loan to buy that big purchase, whether that was an engagement ring, new car, or much needed home repair. At McAvoy Law Offices, we understand the emotional toll that financial troubles can have on individuals, families, and businesses. Are you looking at liquidating your debts and starting fresh? Are you determined to pay back some of your financial obligations while guaranteeing that you can keep that brand new car you bought a couple years ago? Or, are you simply wondering what debt relief options exist outside of the nuclear option known as bankruptcy? Whatever your situation may be, let the attorneys at McAvoy Law Offices take the uncertainty and stress out of your financial difficulties. Our bankruptcy lawyers are experienced with these life-changing situations and are ready to put you at peace and back on the track to financial success!

When an individual is experiencing financially troubling situations, his or her real estate is potentially a prime reason for the financial troubles, or worse, a target of the creditors looking to collect on past-due payments. Are you behind on your mortgage payment? Has the bank already initiated foreclosure proceedings? If you are either behind on your mortgage payment or are expecting to be in the near future: Don’t delay, call McAvoy Law Offices today! The sooner you reach a Waukesha foreclosure attorney to talk over your situation may mean the difference between asserting a legal defense and losing your family home. The foreclosure attorneys at McAvoy Law Offices can work with your lender and the courts to fashion a more affordable payment plan, assist in mediation and HAMP applications, and defend your rights at trial if necessary. If you are dealing with mortgage payments, bank defaults, and legal issues regarding your property, don’t leave the future to chance. We are here to help.

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• Eliminates interest rates for debts owed as of date of filing.
• Prevents any wage garnishments, wage assignments, execution, or attachments by creditors who are owed a debt or that have a court judgment against you.
• A 3-year repayment period to repay the amount of debt in equal monthly payments.  These payments can be made by payroll deduction or directly to the trustee administering your Chapter 128.
• Protection from creditors and collection agencies and their constant calls and attempts to get you to pay.
• A CHAPTER 128 IS NOT A BANKRUPTCY AND NO BANKRUPTCY WILL BE ON YOUR CREDIT REPORT!  In many instances, your credit rating does not take a major hit, and you will remain in good graces with future credit applications.
• For a Chapter 128, you get flexibility in picking and choosing which debts to include in your case. This is much different from bankruptcy, where by law you must include any and all debts you owe.  Moreover, the forms are simpler and require disclosure of less intrusive information than bankruptcy forms.
• No income limits, no assets at risk of being taken, no family size to worry about!  Chapter 128 gives you freedom to decide how to handle your debt struggles and regain your financial freedom!

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