Lawyers, Answer Questions  & Get Points Log In
Wisconsin Collections Questions & Answers
1 Answer | Asked in Collections for Wisconsin on
Q: What funds are exempt from garnishment. unsecure credit card companies loans?

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
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

1 Answer | Asked in Collections for Wisconsin on
Q: Can a credit card debt collector freeze my bank account if it only contains disability, pension and IRA deposites?
Nathan DeLadurantey
Nathan DeLadurantey
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.

1 Answer | Asked in Collections and Probate for Wisconsin on
Q: Can Aurora Health Care automatically send bills for deceased patient to collection agency? It's their new policy.

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
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.

1 Answer | Asked in Collections for Wisconsin on
Q: How can I get relief or exempt from the garnishment of my wages?

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
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

1 Answer | Asked in Collections for Wisconsin on
Q: After billing how long does a business or collection agency have before the bill is no longer viable?
Rachel Lea Hunter
Rachel Lea Hunter
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

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.