Chapter 13 Bankruptcy

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Chapter 13 bankruptcy is a consolidation plan based on what a debtor can actually afford to pay over the course of 3 to 5 years. Often, amounts paid back are less than the full amount owed. The tests in a Chapter 13 bankruptcy are similar to the tests listed above in a Chapter 7 bankruptcy. However, in a Chapter 13 bankruptcy, instead of showing that the person filing bankruptcy cannot afford to pay anything, the test shows how much a person can afford after deductions for reasonable and necessary expenses. This means that the Court will look at your income, less what you need to live, and set a payment that you can afford. Chapter 13 bankruptcy also has some additional benefits:
Chapter 13 bankruptcy can allow you to modify the terms of your secured contracts. You can reduce your interest rate to prime plus a risk factor of between 1% and 3%. If you are paying a high interest rate on a car, this can save you thousands of dollars.

Chapter 13 bankruptcy allows you to catch up on your mortgage. If you are behind on mortgage payments, a Chapter 13 bankruptcy allows you to freeze the amount you are behind and pay it back over years.

Chapter 13 bankruptcy will also freeze IRS interest and penalties allowing you to pay back what you owe the IRS as of the date you file your case and not a penny more.


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If you’re involved in a divorce, a custody case, a spousal-support case or assets division case let Will Green Law Office help you work towards the best results possible given the facts and the law regarding your situation. If you are considering a divorce in Milwaukee and have questions about how it will affect your children or your finances, give us a call for a free consultation.


Our Family Law Group is ready to handle family law matters of every kind, from non-litigated to the most sophisticated matters, Our experienced and compassionate attorneys have handled hundreds of cases involving complex family and divorce cases throughout Milwaukee. At Will Green Law Office our attorneys are there to assist you through this difficult process. Contact us for a free consultation.


When a couple decides to divorce, the courts split up both their assets and their debts. Dividing the debt is an essential factor of a couple’s net worth. If you are considering divorce and also know that your debt problem is out of control, it is in your best interest to choose an attorney experienced at handling both family law and bankruptcy. Attorney Will Green brings more than 25 years of experience to divorce debt cases.