Do not be overwhelmed by your debts. Help is on the way in the form of personalized representation from Attorney Timothy J. Helbing.
Serious financial problems can occur without warning. A sudden layoff or medical problem can put you on the brink of financial disaster. An unexpected wage garnishment can severely reduce your take home pay. A foreclosure can threaten you and your family’s shelter.
No matter how bleak things may look, remember that you have options. At the Helbing Law Office, LLC, we help people secure the debt relief they need through Chapter 7 and Chapter 13 bankruptcy filings. We also provide information and guidance on how student loans are treated in the different types of bankruptcy.
The most cost-effective and time-saving strategy to obtain debt relief is through a Chapter 7 filing. Discharging your credit card or medical bills in a matter of months can help you start over with a fresh start. That level of protection means that you no longer have to worry about harassing creditors and the possibility of wage garnishment.
A reorganization affords you the opportunity to not only end the stress of overwhelming debts but also protect your most valued assets, including your house or car. A common misconception is that a bankruptcy filing means the end of retirement accounts, 401(k)s and even the equity in your home. This is not true.
A Section 128 filing is an option provided to Wisconsin residents. Similar to a Chapter 13 bankruptcy, it allows you to reorganize your debts, specifically into a three-year plan. You have the chance to pay 100% of your unsecured debt over that time without adversely affecting your credit.
While student loans are rarely discharged in Chapter 7 bankruptcy, you still have options for facing the debt you accrued while pursuing your education. Even though student loans are difficult to discharge in bankruptcy, there are some administrative discharges that may be available.
I was born and raised in Janesville, WI, and received my undergraduate degree from Edgewood College in 1996. I earned my law degree from Hamline University School of Law in 2000.
I opened The Helbing Law Office in 2006 to dedicate my practice to helping individuals and small business debtors in Chapter 7 and Chapter 13 bankruptcies and other debt relief programs.
I chose this area of practice because I truly believe that bad things happen to good people. I want to help those individuals in the Fox Valley and Northeast Wisconsin community who are struggling with financial problems and provide much needed assistance to begin a happier and healthier financial life.
When I am not in the office, you will most likely find me spending time with my two amazing sons, Tyler and Alex, on a golf course, ski slope or the dojo, where I have earned the rank of Sandan (3rd degree black belt) in Shuri Te Jujitsu and certified instructor in Inayan System 3 Eskrima.
