Steps in Bankruptcy

1. Make An Appointment

  • We are open Monday through Friday 8 am to 5 pm. We are available after normal work hours, and weekends by appointment.

2. Print The Checklist For Materials To Bring To The Appointment

  • Bankruptcy requires full disclosure of your assets, liabilities, and any equity you may have. The more information you give us, the faster we can stop garnishments, foreclosures, collections, etc...
  • Please print the checklist which shows the materials needed to complete your bankruptcy petition; bring what you can. If a checklist item does not apply to you, you do not need to bring it. A bankruptcy petition lists your assets, liabilities, and equity in any assets.

3. Appointment

  • This appointment is free. When we first meet with you, we will review your financial information and let you know what your options are. If there is an option that fits your needs, we can begin the preparation of your petition.

4. Credit Counseling: Pre-Filing

  • Prior to filing you will need to complete credit counseling. Credit counseling will cost anywhere from $10.00 to $25.00 and can be done over the internet, in person, or telephone. Here is a list of approved credit counseling agencies:
  • APLC = Approved List of Credit Counseling Agencies
  • Once the credit counseling is completed, you will need to send the certificate of completion to us. You can send the certificate of completion to us at:

Email: [email protected]; or,

US Postal Service: Lein Law Offices
P.O. Box 761
Hayward, WI 54843; or,

Fax: (715) 634-5051.

5. Review Petition

  • When your petition is complete, we will send you a copy. We want you to review the petition thoroughly. Please confirm that all debts have been included. The debts that should be included are both debts that you know about and debts that you may think you have. Our goal is to give you a fresh start at living life debt free.

6. Sign Petition

  • Once the necessary adjustments have been made, we will make an appointment for you to review and sign the petition with us.

7. Petition Filed

  • Once signed, we will file the petition with the US Bankruptcy Court. Once it is filed, the US Bankruptcy Court will send notices to the creditors and all collection actions, including, but not limited to, garnishments, foreclosures, and harassing phone calls will stop.

8. Meeting Of The Creditors

  • In addition to all collection actions being stopped once we file your bankruptcy petition, the US Bankruptcy Court will send a notice to you and Lein Law Offices regarding the meeting of creditors. The meeting of creditors is a chance for your creditors to object to being discharged. When you sign the petition, we will discuss with you which creditors, if any, will object to being discharged.
  • Location:

If you live in:

Meeting Will Be Held In:

Barron, Buffalo, Burnett, Chippewa, Clark, Dunn, Eau Claire, Jackson, Pepin, Pierce, Polk, Price, Rusk, St. Croix, Sawyer, Taylor, Trempealeau, or Washburn County

U.S. Bankruptcy Court, Federal Courthouse
500 S. Barstow Street
Eau Claire, WI 54701
Maps and Directions

Juneau, La Crosse, Monroe, Vernon, or Viola (Town) County

Common Council Chambers
City Hall
400 La Crosse Street
La Crosse, WI 54601
Maps and Directions

Lincoln, Marathon, Oneida, Portage, Vilas, or Wood County

Rothschild Village Hall
211 Grand Avenue
Rothschild, WI 54474-1199
Maps and Directions

Ashland, Bayfield, Douglas, or Iron County

Government Center
Board Meeting Room 204A
1316 North 14th Street
Superior, WI 54880
Maps and Directions

Adams, Columbia, Crawford, Dane, Grant, Green, Iowa, Jefferson, Lafayette, Richland, or Sauk County

Rock County Job Center
Conference Room I
1900 Center Ave.
Janesville, WI 53546
Maps and Directions

Rock County

U.S. Trustee's Office
780 Regent St., Suite 307
Madison, WI 53715
Maps and Directions

9. Credit Counseling: Post-Filing

10. Debt Discharge

  • After the meeting of the creditors, there will be a 60 day waiting period before the discharge is granted. Once the 60 waiting period has lapsed, all dischargeable debts will be discharged.