Over 13 Years of Experience With Bankruptcy Legal Needs

I have been helping people file bankruptcies since working as a law clerk (working for a bankruptcy trustee) at a law firm since my second year in law school in 1999. The stress of debt can lead to medical and legal problems such as divorce and criminal cases.  When corporations file bankruptcies they are called “reorganizations.” When regular, hard-working people file bankruptcies they are called “deadbeats.” Corporations get “bailouts” at the tax payers’ expense. Where is the “bailout” for working people?

Contact me today if you need legal assistance with any of the following:

• Bankruptcy
• Chapter 13 Bankruptcy
• Chapter 7 Bankruptcy
• Creditor Harassment
• Debt Relief
• Foreclosure

Congress passed the Bankruptcy Abuse and Consumer Protection Act (BACPA) which took effect in October 2005.  This is a law that was written by the credit card companies and for the credit card companies to gouge everyday people.  Many people have to file bankruptcy because they’ve lost their jobs and / or have been hit hard by medical bills from being uninsured or underinsured.

I have over 13 years of experience and can assist you with your bankruptcy legal needs. I’ll personally file your bankruptcy and guide you through the entire process from start to finish. I’ll assist you in eliminating your debt; stopping creditor harassment; and rebuilding your credit. Don't call a television commercial bankruptcy firm because they do not offer what I do,  personal service. You will not have to call an 800 number to speak with someone who may not be a lawyer. Don’t call a bankruptcy mill where they don’t even know your name.  Make the call to me and Help Is On The Way!

If you or a loved one needs the help of an experienced Milwaukee, Wisconsin bankruptcy lawyer, call Rupich Law, S.C. today at 414-219-0056 to arrange your free initial consultation.

Attorney Profile

If you or a loved one needs the help of an experienced Milwaukee, Wisconsin bankruptcy lawyer, call Rupich Law, S.C. today at 414-219-0056, or complete the contact form provided on this site to arrange your free initial consultation.

Attorney Patrick J. Rupich

Jurisdictions:

• Wisconsin
• Eastern Districts of Wisconsin
• Western Districts of Wisconsin

Education:

•  Marquette University, B.A. - Double Major in Political Science and Criminology

Admitted To The Bar:

• May 21, 2001

Professional Memberships and Achievements:

• The Wisconsin Bar Bankruptcy, Insolvency and Creditor’s Rights Section
• Voted a Super Lawyers Rising Star in 2008, 2009 and 2010 making him one of the top 5% of lawyers in Wisconsin
• Adjunct Professor and guest lecturer at Marquette University

About Bankruptcy

My Chapter 7 ("Fresh Start") Bankruptcy Representation Includes:

•    Discharging (eliminating) credit card, medical, utility, and other unsecured debt
•    Helping you keep your car and house if you meet certain conditions
•    Stopping lawsuits, garnishments, and utility disconnections
•    Ending driver license suspensions

My Chapter 13 Bankruptcy Representation Includes:

•    Stopping lawsuits, garnishments, and utility disconnections
•    Ending driver license suspensions
•    Saving your home and car - pay past due amounts over 3-5 year period
•    Consolidating your debts with 1 monthly payment on past due amounts
•    Paying student loans in full or part (interest only) during your plan
•    Protecting cosigners
•    Interest-free unsecured debt repayment plan (pay over a 3-5 year period) if you qualify
•    Discharge (eliminating) all remaining credit card, medical, utility, and other unsecured debt at the end of your case
•    Pay less for your car and home under certain circumstances


WHAT IF YOU CAN’T FILE BANKRUPTCY OR DON’T WANT TO FILE BANKRUPTCY?

Wisconsin Chapter 128 (Non-Bankruptcy Alternative)

Wisconsin has a unique law for debt relief that has been on the books since 1937 which we refer to as a Chapter 128. This is a non-bankruptcy alternative that lets you pick which debts (like high interest payday loans and credit cards; utility bills; medical bills; and other unsecured debt) you want to pay off (with 1 monthly payment) in full over 36 months (3 years) at 0% interest.  Any person whose principal source of income consists of wages or salary may file a Chapter 128. Secured creditors (mortgage and car loans) can go to State court to have their debts kicked out of your Chapter 128 Plan.
 
You can stop collection; utility disconnections (WE Energies has exceptions); garnishments; and creditor harassment once your case is filed (there is a filing fee paid to the clerk of courts) and a judge signs a protective order.  A trustee is appointed to your case and notifies and pays (monthly or quarterly) your creditors. The trustee gets a fee (7% if the payment is deducted from your check or 10% if you pay directly) that is included in your monthly payment. You pay some attorney fees up front; and the rest can be paid off in the plan (included in your monthly payment). Your case will be dismissed if you don’t make your payments; but you can refile right away.
 
The Bankruptcy Code requires that you: list all your debts; provide detailed information about your finances and assets; go to court and testify under oath; complete 2 courses (credit counseling and financial management); and other burdensome requirements. Then you can get a discharge of some or all of your debts. You can wipe out your debts in a Chapter 7 (“fresh start”) Bankruptcy once every 8 years; and there are other requirements in a Chapter 13. You may not be able to refile right away if your case is dismissed.
 
I will help you decide which type of debt relief is right for you.