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Im trying to make arrangement to lower my payment and interest rate. Im not in default or any late payments yet but will be if they wont work with me. Ive become disabled and cant make the payments much longer.
![Nathan DeLadurantey Nathan DeLadurantey](http://justatic.com/profile-images/855244-1613046422-sl.jpg)
answered on Jun 29, 2017
Sounds like you need to utilize something called "chapter 128" that's available to individuals in Wisconsin. You do need to be employed to file; so I"m not sure if you have any employment income in addition to your disability. Here's an article about how a Chapter 128... View More
![Nathan DeLadurantey Nathan DeLadurantey](http://justatic.com/profile-images/855244-1613046422-sl.jpg)
answered on Jun 29, 2017
You'd need to offer a few more details - are you talking about the funds in your checking account? Regardless of the source, you have a balance of $5,000 (based on the state statutes) that's protected from garnishment.
I received first and only bill for my deceased mothers care May 30. Called for itemized bill June 1 and was told I could not have itemized bill because deceased patient's accounts are blacked out upon death, however, I might be able to get a copy after her account is closed. Then on June 9 I... View More
![Nathan DeLadurantey Nathan DeLadurantey](http://justatic.com/profile-images/855244-1613046422-sl.jpg)
answered on Jun 15, 2017
Are they sending the bill to you? Sounds like you need to locate a Wisconsin consumer law lawyer to review the letter for you. They shouldn't charge you anything to review the letter, explain your rights, and give you some advice.
The amount that is being taken out biweekly makes it impossible to pay rent and feed three children. I'm the only one in the household with a income. I'm extremely concerned for the safety and wellbeing of my family.
![David B. Levin David B. Levin](http://justatic.com/profile-images/499360-1447109260-sl.jpg)
answered on Sep 14, 2015
The amount that can be withheld from your paycheck to satisfy a judgment is set by state and federal law. Although there are some exceptions, in Wisconsin that limit is typically 20% of your disposable income. You may want to talk with a bankruptcy attorney about whether Chapter 7 might be a good... View More
![Rachel Lea Hunter Rachel Lea Hunter](http://justatic.com/profile-images/345601-1444798595-sl.jpg)
answered on Jun 28, 2013
They have until the expiration of the statute of limitations. I am not licensed in Wisconsin - some states have 3 years (like NC) or 4 years (like PA) or 6 years (like GA).
Wisconsin seems to be 6 years, but I am not certain what kind of debt this is (credit card or other) and it may be a... View More
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