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Why Why Choose Mathias
The focus of Mathias Law is primarily on debt relief. Debt relief includes bankruptcy, but what type of debt relief might be best for you depends on your situation. The laws are uniform, but your facts and circumstances are unique. For this reason, Mark will listen to you, he needs to know what has happened and why, and he will explain the types of available debt relief and recommend which debt relief type might best solve your situation.
You are encouraged to ask questions. Mark’s greatest value to you is providing information so you can decide what is in your best interest.
It is important to educate you regarding your debt relief options. Mark will explain what creditors can do when you have financial difficulties and which debt relief options are available to you and why.
Mark will discuss which debt relief option might be best for your situation and when to pursue debt relief because timing can be an important factor.
Mathias Law is not a bankruptcy mill with cookie cutter production. Nor is debt relief just an ancillary service. Debt relief is Mark’s focus. You will be given individual attention. You will be treated with respect and consideration.
You are a good person in a difficult situation. Struggling to pay necessary expenses while dealing with harassing debt collectors and creditor lawsuits is stressful. Trying to figure out what to do can be overwhelming. Mark’s goal is to find solutions that best fit your needs.
Services How Mark Can Help
Chapter 7 and 13 bankruptcies are the most frequently used forms of debt relief for consumers. They provide you with different methods to restructure your finances and obtain a fresh start. Chapter 128 is a non-bankruptcy form of debt relief. Which form of debt of relief might be best for you will depend on your situation. The following are very basic descriptions of Chapters 7, 13, and 128.
Pricing Fees & Pricing
Legal assistance is no different than hiring other service professionals (i.e., plumbers, electricians). For this reason, it is important to understand what services you can expect to receive and how much those services will cost. Because you have choices, please ask questions regarding pricing and what you will be receiving in return.
To hire Mathias Law, you will sign a written Contract for Legal Services. This Contract will clearly state whether the matter will be flat fee or charged hourly and it will clearly state the scope of services that will be provided. Before signing the Contract, read it and discuss anything that you do not understand. You should only sign the Contract if you are comfortable with the terms and conditions.
Mathias Law charges either a flat fee or by the hour. Most debt relief matters use the flat fee pricing. Generally, flat fee means you will pay a fixed amount of money in full before your case is filed. However, the flat fee amount will depend on the complexity of your situation. Contact Mark today for a FREE Consultation.
Practicing Law Since 1985 Mark Mathias
Mark N Mathias is a solo attorney. His practice focus is consumer debt relief, commercial bankruptcies, loan workouts and debt restructurings, and commercial financial transactions.
He is also a Senior Lecturer for the University of Wisconsin- Eau Claire’s College of Business (Legal and Regulatory Environment) and for the University of Wisconsin System’s online Master of Business program (Contract Law for Managers). He was a Chapter 7 Trustee between 2012 and 2017. Before moving to Eau Claire, he was in-house counsel to commercial financial service companies in Chicago and Detroit. He is licensed to practice in Wisconsin; his Michigan and Illinois licenses are currently inactive.
Mark earned a BA from Michigan State University and his JD with Distinction from Thomas M Cooley Law School (nka Western Michigan University Cooley Law School). Mark is married and has three children.
Mark is active in the Wisconsin State Bar’s Bankruptcy, Insolvency, and Creditors’ Rights Section. He frequently presents on various debt relief topics at Wisconsin State Bar Continuing Legal Education seminars.
To get in touch, fill out the online form or reach out via phone or email. I look forward to helping you.
Thank you for contacting Mathias Law!
We will get back to you as soon as possible.
Services Chapter 7 Bankruptcy
Chapter 7 focuses on your property and assets on the day you file bankruptcy. Everything you own becomes part of the bankruptcy estate under the Trustee’s control. The Chapter 7 Trustee wants to liquidate your property and assets so the Trustee can pay creditors. But the reason for filing bankruptcy is to get a fresh start. The Bankruptcy Code recognizes that you will need property and assets with which to start fresh. For this reason, the Bankruptcy Code allows you to “exempt” property and assets so the Chapter 7 Trustee cannot use them to pay creditors. Basically, you reclaim your exempt property and assets from the bankruptcy estate and the Chapter 7 Trustee. The exemptions are generous, but not limitless, and cover only certain types of property and assets. However, most Chapter 7 debtors exit bankruptcy with everything they had when entering bankruptcy.
Chapter 7 is the shortest bankruptcy. Typically, it takes about 4 months from the dates you file bankruptcy to receiving your discharge. However, there is an income test to determine if you are eligible for Chapter 7. And there may be reasons that Chapter 7 might not be the right debt relief option for you.
Services Chapter 13 Bankruptcy
Chapter 13 focuses on your future income, not your property. You will propose a payment plan for paying your creditors. The payment plan becomes the only contract between you and your creditors. The creditors have no rights in your property except as provided for in the payment plan. It will specify which debts get paid, how much, and in what priority or order. The key question is how much must you pay and for how long? The Bankruptcy Code requires payment plans to be not less than 3 years and no longer than 5 years. How the payment plan length will depend on your specific circumstances.
You must pay your “disposable income.” Your disposable income is basically the amount left after to subtracting necessary living expenses from your monthly income. As a rough example, if your monthly income is $4,000 and necessary living expenses are $3,500, then the disposable income is $500. So long as you make your payments, the creditors cannot do anything. Once the last payment has been made, you will receive a discharge. You do not have to pay any unsecured debts that were not paid through the plan. You now have your fresh start.
Services Chapter 128 Debt Amortization Plan
Chapter 128 is not bankruptcy. It is a debt payment plan under Wisconsin law. Advantages of Chapter 128 are that you get to choose which creditors are in your payment plan, interest will stop accruing on the debt, and the creditor cannot do things like garnish your wages will be paid through the plan.
Your payment plan will repay the debt in 36 monthly installments. Because there will be a trustee administering your payment plan, you can plan to pay each creditor in your plan approximately 107 to 110% of the debt amount, so the trustee can be compensated.
When you finish paying the plan in full, the creditors covered by it are repaid and have no reason to bother you. Whether Chapter 128 will work for you is heavily dependent on your income and your circumstances.
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