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An Intro to Chapter 128 Amortization 2025

Product ID: CA3826W
Presented By: State Bar of Wisconsin PINNACLE

A structured and sensible solution

When bankruptcy seems too extreme or simply isn’t the right fit, Wisconsin’s Chapter 128 amortization offers a powerful middle ground. Designed for wage earners who are falling behind on debt but can still manage structured repayments, this statute provides a court-supervised, interest-free plan to pay back unsecured debts in full over three years or less. For debtors who want to avoid the stigma and complexity of bankruptcy, and for attorneys looking to offer a practical alternative, Chapter 128 can be an ideal solution. 

With help from An Introduction to Chapter 128 Amortization, discover the potential of Chapter 128 and expand your debt relief toolbox. Gain a comprehensive understanding of:

  • Eligibility criteria and attorney responsibilities under §802.05
  • How a Chapter 128 filing differs from and compares to bankruptcy
  • Calculating payments, filing petitions, and observing court procedures
  • The impacts of Chapter 128 on creditors and debtors, including enforcement limits and stay provisions
  • Key case law, emerging issues, and strategic considerations when advising clients or representing creditors
Read More ↓

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Pricing

Member $99.00

Non-Member $149.00

Credits

1 CLE

Date and Time

Tuesday, May 27, 202512:00 PM - 12:50 PM CT

Add to Calendar 5/27/2025 12:00:00 PM 5/27/2025 12:50:00 PM America/Chicago An Intro to Chapter 128 Amortization 2025

A structured and sensible solution

When bankruptcy seems too extreme or simply isn’t the right fit, Wisconsin’s Chapter 128 amortization offers a powerful middle ground. Designed for wage earners who are falling behind on debt but can still manage structured repayments, this statute provides a court-supervised, interest-free plan to pay back unsecured debts in full over three years or less. For debtors who want to avoid the stigma and complexity of bankruptcy, and for attorneys looking to offer a practical alternative, Chapter 128 can be an ideal solution. 

With help from An Introduction to Chapter 128 Amortization, discover the potential of Chapter 128 and expand your debt relief toolbox. Gain a comprehensive understanding of:

  • Eligibility criteria and attorney responsibilities under §802.05
  • How a Chapter 128 filing differs from and compares to bankruptcy
  • Calculating payments, filing petitions, and observing court procedures
  • The impacts of Chapter 128 on creditors and debtors, including enforcement limits and stay provisions
  • Key case law, emerging issues, and strategic considerations when advising clients or representing creditors
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A structured and sensible solution

When bankruptcy seems too extreme or simply isn’t the right fit, Wisconsin’s Chapter 128 amortization offers a powerful middle ground. Designed for wage earners who are falling behind on debt but can still manage structured repayments, this statute provides a court-supervised, interest-free plan to pay back unsecured debts in full over three years or less. For debtors who want to avoid the stigma and complexity of bankruptcy, and for attorneys looking to offer a practical alternative, Chapter 128 can be an ideal solution. 

With help from An Introduction to Chapter 128 Amortization, discover the potential of Chapter 128 and expand your debt relief toolbox. Gain a comprehensive understanding of:

  • Eligibility criteria and attorney responsibilities under §802.05
  • How a Chapter 128 filing differs from and compares to bankruptcy
  • Calculating payments, filing petitions, and observing court procedures
  • The impacts of Chapter 128 on creditors and debtors, including enforcement limits and stay provisions
  • Key case law, emerging issues, and strategic considerations when advising clients or representing creditors
Read More ↓

Joshua D. Christianson has practiced law for more than 18 years, representing Wisconsin debtors and creditors in debt relief, debt collection, bankruptcy, and consumer protection matters. He has presented at the University of Wisconsin Law School, the State Bar of Wisconsin, and the Wisconsin Credit Union League. He practices in Eau Claire and lives there with his wife and two children.  One of his favorite parts of practice is getting contacts from other practitioners to discuss these topics or bounce ideas around about a problem (and doing the same to others when he has a tricky question), so he would be happy to be a resource for anyone attending the program.  

Mont L. Martin has been serving throughout Wisconsin as trustee in Wis. Stats. 128.21 debt proceedings since 1994, helping to steward the statute's use as an alternative to bankruptcy. Atty. Martin's office has a statewide presence and reputation for competently discharging the responsibilities of these judicial appointments while being fair-minded and attentive to the needs of creditors, debtors, and the courts alike.  

Over the years, Atty. Martin has given numerous presentations on 128.21 forms and procedures, including to several county bar associations, the State Bar of Wisconsin, the 2011 and 2013 Judicial Commissioners Conferences, and the 2012 Judicial Conference.    

Atty. Martin is currently active in the Marquette Volunteer Lawyer Clinic, Milwaukee Justice Center, House of Peace, and the Volunteer Lawyer Project of Legal Action of Wisconsin. Throughout the years, he has served on the boards of community organizations, including Family Service of Waukesha, Aurora Family Service, and his parish. He is happily married and has two children.

  • Understand the scope of Wis. Stat. §128.21, including eligibility, procedural steps, and strategic use cases
  • Learn how to identify ideal candidates for Chapter 128 amortization
  • Discover what kinds of debts can be amortized under Chapter 128
  • Receive step-by-step guidance on calculating payments, filing petitions, and managing trustee communications
  • Get practical tips for addressing common issues such as creditor harassment, ongoing suits, and motion practice
  • Help clients make informed decisions about their debt relief options 
  • Bankruptcy practitioners
  • Debtor-creditor attorneys
  • Tax attorneys 
  • Collections attorneys
  • Financial advisors 

Register now for Advanced Topics in Chapter 128 Amortization. Building on the foundation of An Intro to Chapter 128 Amortization, it delves into real-world applications, recent Wisconsin case law, enforcement of orders of relief, and creditor strategies in response to petitions.  

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