Wisconsin is known as the state that produces the best cheese. In reality, Wisconsin has a diverse economy based on manufacturing, agriculture, and health care. Wisconsin is ranked #20 for population and #23 for population density.

As of 2018, over 5.8 million people called Wisconsin home. Milwaukee is the largest city in Wisconsin.

Income

The median state income is $52,893. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 15.3% of Wisconsinite children under 18 live in poverty. For residents overall, 11.8% of all people in Wisconsin live under the poverty level.

  • Median state income: $52,893
  • Minimum wage: $7.25/hour
  • Children in poverty: 15.3%
  • People in poverty: 11.8%

Homeowners


More than half (68%) of Wisconsinites hold a mortgage. The median home price in Wisconsin is $179,600 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 68%
  • Median home price: $179,600

Employment

Wisconsin has a current unemployment rate of 2.9%. However, the underemployment rate is 7.9%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers Wisconsin debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 2.9% (2018)
  • Underemployment: 7.9% (2017)

Wisconsin Debt

Wisconsinites carry a lot of debt. The average credit card debt is $6,484 (2018). The average student loan debt is $28,810. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Wisconsinites to get into debt.

  • Avg credit card debt: $6,484 (2018)
  • Avg mortgage debt: $142,993 (2017)
  • Avg student loan debt: $28,810 (2017)

Wisconsin Statute of Limitations

Wisconsin’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For debts taken out in Wisconsin, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 6 years
  • Written contracts: 6 years
  • Promissory notes: 10 years
  • Credit cards and other revolving loans: 6 years

Wisconsin Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.

Debt Collection Laws

Wisconsinites are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices.If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Wisconsin.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Wisconsin Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Wisconsin Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Wisconsin Cities Served by Pacific Debt

Abbotsford
Adams
Adell village
Albany village
Algoma
Allouez village
Alma
Alma Center village
Almena village
Almond village
Altoona
Amery
Amherst village
Amherst Junction village
Aniwa village
Antigo
Appleton
Arcadia
Arena village
Argyle village
Arlington village
Arpin village
Ashland
Ashwaubenon village
Athens village
Auburndale village
Augusta
Avoca village
Bagley village
Baldwin village
Balsam Lake village
Bangor village
Baraboo
Barneveld village
Barron
Bay City village
Bayfield
Bayside village
Bear Creek village
Beaver Dam
Belgium village
Bell Center village
Belleville village
Bellevue Town
Belmont village
Beloit
Benton village
Berlin
Big Bend village
Big Falls village
Birchwood village
Birnamwood village
Biron village
Black Creek village
Black Earth village
Black River Falls
Blair
Blanchardville village
Bloomer
Bloomington village
Blue Mounds village
Blue River village
Boaz village
Bohners Lake
Bonduel village
Boscobel
Bowler village
Boyceville village
Boyd village
Brandon village
Brice Prairie
Brillion
Brodhead
Brokaw village
Brookfield
Brooklyn village
Brown Deer village
Browns Lake
Brownsville village
Browntown village
Bruce village
Buffalo City
Burlington
Butler village
Butternut village
Cadott village
Cambria village
Cambridge village
Cameron village
Campbellsport village
Camp Douglas village
Camp Lake
Cascade village
Casco village
Cashton village
Cassville village
Catawba village
Cazenovia village
Cecil village
Cedarburg
Cedar Grove village
Centuria village
Chain O’ Lakes-King
Chaseburg village
Chenequa village
Chetek
Chief Lake
Chilton
Chippewa Falls
Clayton village
Clear Lake village
Cleveland village
Clinton village
Clintonville
Clyman village
Cobb village
Cochrane village
Colby
Coleman village
Colfax village
Coloma village
Columbus
Combined Locks village
Como
Conrath village
Coon Valley village
Cornell
Cottage Grove village
Couderay village
Crandon
Crivitz village
Cross Plains village
Cuba City
Cudahy
Cumberland
Curtiss village
Dallas village
Dane village
Darien village
Darlington
Deerfield village
Deer Park village
DeForest village
Delafield
Delavan
Delavan Lake
Denmark village
De Pere
De Soto village
Dickeyville village
Dodgeville
Dorchester village
Dousman village
Downing village
Doylestown village
Dresser village
Durand
Eagle village
Eagle Lake
Eagle River
Eastman village
East Troy village
Eau Claire
Eden village
Edgar village
Edgerton
Egg Harbor village
Eland village
Elderon village
Eleva village
Elkhart Lake village
Elkhorn
Elk Mound village
Ellsworth village
Elm Grove village
Elmwood village
Elmwood Park village
Elroy
Embarrass village
Endeavor village
Ephraim village
Ettrick village
Evansville
Evergreen
Exeland village
Fairchild village
Fairwater village
Fall Creek village
Fall River village
Fennimore
Fenwood village
Ferryville village
Fitchburg
Fond du Lac
Fontana-on-Geneva Lake village
Footville village
Forestville village
Fort Atkinson
Fountain City
Fox Lake
Fox Point village
Francis Creek village
Franklin
Franksville
Frederic village
Fredonia village
Fremont village
French Island
Friendship village
Friesland village
Galesville
Gays Mills village
Genoa village
Genoa City village
Germantown village
Gillett
Gilman village
Glenbeulah village
Glendale
Glen Flora village
Glenwood City
Grafton village
Granton village
Grantsburg village
Gratiot village
Green Bay
Greendale village
Greenfield
Green Lake
Greenwood
Gresham village
Hales Corners village
Hammond village
Hancock village
Hartford
Hartland village
Hatley village
Haugen village
Hawkins village
Hayward
Hazel Green village
Hebron
Helenville
Hewitt village
Highland village
Hilbert village
Hillsboro
Hixton village
Hollandale village
Holmen village
Horicon
Hortonville village
Howard village
Howards Grove village
Hudson
Hurley
Hustisford village
Hustler village
Independence
Ingram village
Iola village
Iron Ridge village
Ironton village
Ixonia
Jackson village
Janesville
Jefferson
Johnson Creek village
Junction City village
Juneau
Kaukauna
Kekoskee village
Kellnersville village
Kendall village
Kennan village
Kenosha
Keshena
Kewaskum village
Kewaunee
Kiel
Kimberly village
Kingston village
Knapp village
Kohler village
Lac du Flambeau
Lac La Belle village
La Crosse
Ladysmith
La Farge village
Lake Delton village
Lake Geneva
Lake Koshkonong
Lake Lac La Belle
Lake Mills
Lake Nebagamon village
Lake Ripley
Lake Shangrila
Lake Wazeecha
Lake Wisconsin
Lake Wissota
Lancaster
Lannon village
La Valle village
Legend Lake
Lena village
Lime Ridge village
Linden village
Little Chute village
Little Round Lake
Livingston village
Lodi
Loganville village
Lohrville village
Lomira village
Lone Rock village
Lowell village
Loyal
Lublin village
Luck village
Luxemburg village
Lyndon Station village
Lynxville village
McFarland village
Madison
Maiden Rock village
Manawa
Manitowoc
Maple Bluff village
Marathon City village
Maribel village
Marinette
Marion
Markesan
Marquette village
Marshall village
Marshfield
Mason village
Mattoon village
Mauston
Mayville
Mazomanie village
Medford
Mellen
Melrose village
Melvina village
Menasha
Menomonee Falls village
Menomonie
Mequon
Merrill
Merrillan village
Merrimac village
Merton village
Middleton
Middle Village
Milladore village
Milltown village
Milton
Milwaukee
Mineral Point
Minong village
Mishicot village
Mondovi
Monona
Monroe
Montello
Montfort village
Monticello village
Montreal
Mosinee
Mount Calvary village
Mount Hope village
Mount Horeb village
Mount Sterling village
Mukwonago village
Muscoda village
Muskego
Nashotah village
Necedah village
Neenah
Neillsville
Nekoosa
Nelson village
Nelsonville village
Neopit
Neosho village
Neshkoro village
New Auburn village
New Berlin
Newburg village
New Glarus village
New Holstein
New Lisbon
New London
New Post
New Richmond
Niagara
Nichols village
North Bay village
North Fond du Lac village
North Freedom village
North Hudson village
North Prairie village
Norwalk village
Oak Creek
Oakdale village
Oakfield village
Oconomowoc
Oconomowoc Lake village
Oconto
Oconto Falls
Odanah
Ogdensburg village
Okauchee Lake
Oliver village
Omro
Onalaska
Oneida
Ontario village
Oostburg village
Oregon village
Orfordville village
Osceola village
Oshkosh
Osseo
Owen
Oxford village
Paddock Lake village
Palmyra village
Pardeeville village
Park Falls
Park Ridge village
Patch Grove village
Pell Lake
Pepin village
Peshtigo
Pewaukee
Pewaukee village
Phillips
Pigeon Falls village
Pittsville
Plain village
Plainfield village
Platteville
Pleasant Prairie village
Plover village
Plum City village
Plymouth
Poplar village
Portage
Port Edwards village
Port Washington
Potosi village
Potter village
Potter Lake
Pound village
Powers Lake
Poynette village
Prairie du Chien
Prairie du Sac village
Prairie Farm village
Prentice village
Prescott
Princeton
Pulaski village
Racine
Radisson village
Randolph village
Random Lake village
Readstown village
Redgranite village
Reedsburg
Reedsville village
Reeseville village
Reserve
Rewey village
Rhinelander
Rib Lake village
Rib Mountain
Rice Lake
Richland Center
Ridgeland village
Ridgeway village
Rio village
Ripon
River Falls
River Hills village
Roberts village
Rochester village
Rockdale village
Rockland village
Rock Springs village
Rome
Rosendale village
Rosholt village
Rothschild village
Rudolph village
St. Cloud village
St. Croix Falls
St. Francis
St. Nazianz village
Sauk City village
Saukville village
Scandinavia village
Schofield
Seymour
Seymour
Sharon village
Shawano
Sheboygan
Sheboygan Falls
Sheldon village
Shell Lake
Sherwood village
Shiocton village
Shorewood village
Shorewood Hills village
Shullsburg
Silver Lake village
Siren village
Sister Bay village
Slinger village
Soldiers Grove village
Solon Springs village
Somerset village
South Milwaukee
South Wayne village
Sparta
Spencer village
Spooner
Spring Green village
Spring Valley village
Stanley
Star Prairie village
Stetsonville village
Steuben village
Stevens Point
Stockbridge village
Stockholm village
Stoddard village
Stoughton
Stratford village
Strum village
Sturgeon Bay
Sturtevant village
Sullivan village
Sun Prairie
Superior
Superior village
Suring village
Sussex village
Tainter Lake
Taylor village
Tennyson village
Theresa village
Thiensville village
Thorp
Tigerton village
Tomah
Tomahawk
Tony village
Trempealeau village
Turtle Lake village
Twin Lakes village
Two Rivers
Union Center village
Union Grove village
Unity village
Valders village
Verona
Vesper village
Viola village
Viroqua
Waldo village
Wales village
Walworth village
Warrens village
Washburn
Waterford village
Waterford North
Waterloo
Watertown
Waukesha
Waunakee village
Waupaca
Waupun
Wausau
Wausaukee village
Wautoma
Wauwatosa
Wauzeka village
Webster village
West Allis
West Baraboo village
West Bend
Westby
Westfield village
West Milwaukee village
Weston village
West Salem village
Weyauwega
Weyerhaeuser village
Wheeler village
Whitefish Bay village
Whitehall
White Lake village
Whitelaw village
Whitewater
Whiting village
Wild Rose village
Williams Bay village
Wilson village
Wilton village
Wind Lake
Wind Point village
Windsor
Winneconne village
Winter village
Wisconsin Dells
Wisconsin Rapids
Withee village
Wittenberg village
Wonewoc village
Woodman village
Woodville village
Wrightstown village
Wyeville village
Wyocena village
Yuba village
Zoar

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