FAQ — Chapter 128 Trustee Services

Question 1

What is Wisconsin Chapter 128?

Accepted Answer

Wisconsin Chapter 128 is a state statute that allows debtors to repay their debts over a period of up to 36 months under court supervision, as an alternative to federal bankruptcy.

Question 2

How is Chapter 128 different from bankruptcy?

Accepted Answer

Chapter 128 is a Wisconsin state-law process, not a federal bankruptcy proceeding. It is generally less complex and allows debtors to repay debts over time without the stigma or long-term credit impact of bankruptcy.

Question 3

How long does a Chapter 128 plan last?

Accepted Answer

A Chapter 128 repayment plan lasts up to 36 months, as confirmed by the court.

Question 4

How do I make payments as a debtor?

Accepted Answer

Payments can be made via payroll deduction or by cashier's check / money order payable to the trustee.

Question 5

What information do I need to send as a debtor?

Accepted Answer

After appointment, you should send your phone number, email address, and all account numbers to the trustee's office.

Question 6

What do creditors need to submit?

Accepted Answer

Creditors should send the case name, case number, and claim balance, along with a statement of the account as of the petition date.

Question 7

What do attorneys need to submit?

Accepted Answer

Attorneys should send the filed petition and creditor list, and include wage-assignment papers if a payroll deduction arrangement is being used.

Question 8

How do I contact the trustee?

Accepted Answer

You can reach Chapter 128 Trustee Services, LLC by email at winston@wi128.com or by using the contact form on this website.