Let's face it: nobody wants to file bankruptcy. But often times, real life circumstances can make bankruptcy a necessity.  These circumstances can include:

• Creditor harassment
• Lawsuits
• Garnishments
• Foreclosures
• Auto repossessions
• Utility shut-offs
• Tax levies
• License revocation due to uninsured auto accidents

Todd C. Esser & Associates can assist you in these matters through Chapter 7 (elimination of debts) or Chapter 13 (one low payment covers all bills).

Under certain circumstances, bankruptcy may not be necessary.  Wisconsin law provides for bill consolidation and repayment under Chapter 128 without filing bankruptcy! Call now to find out if you qualify.

Todd C. Esser & Associates understands the needs of individuals just like you.  You can be confident they will stand up for your rights and provide you with solid guidance and representation throughout your bankruptcy or debt consolidation.