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Homeowners who lost their job or income during this public health crisis could be eligible to have their mortgage payments paused or lowered.

If you find that you won’t be able to make mortgage payment by the due date, you should contact your lender or servicer right away, before you miss your payment due date or make a partial payment. Your mortgage servicer is the company that sends you the bill for your mortgage payment. Write down all the steps you take, such as any phone calls you make and whom you talk with, emails you send, and what types of information or documents you have shared. If you need help to figure out your options for catching up with future mortgage payments, contact a HUD-approved housing counselor through the Federal Making Home Affordable at


Wisconsin’s Governor Evers’ declared a public health emergency in Executive Order #72, the Public Service Commission (PSC) stopped disconnecting residential service for nonpayment and will reconnect service that had already been disconnected until the state of emergency has been lifted. 

Wisconsin already has a moratorium until April 15 on disconnection of Public Service Commission utilities used for heating, so this order extends that moratorium during the emergency and adds water not used for heating since water is needed for hand washing. Wisconsin Emergency Order #11 also extends the guidelines to PSC utility providers to stop assessing late fees, not require a deposit for reconnection, and now includes commercial, industrial, and farm accounts. The Energy and Policy Institute is also tracking utility disconnection suspensions across the U.S.on their website.


The U.S. Department of Education has announced that borrowers with federally held student loans will automatically have their interest rates set to 0% for a period of at least 60 days. 

All loans owned by the U.S. Department of Education (ED) will have interest waived. That includes Direct Loans, Federal Perkins Loans, and Federal Family Education Loan (FFEL) Program loans held by ED. 


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West Bend, WI 53095


17 Forest Ave, Suite 120

Fond du Lac, WI 54935


West Bend Office: 262.335.1994

Fond du Lac Office: 920.602.3886


Fax: 262.335.4294

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We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.  All cases are different and nothing contained herein should be construed to constitute legal advice for your particular case.  This is a brief summary of the bankruptcy laws and alternatives.  The decision to file a bankruptcy, will vary depending on the facts in your particular case.  Bankruptcy should only be undertaken after careful consideration and consultation with an experienced attorney. 


These pages may contain information and rules which apply only to the State of Wisconsin.  Every effort has been made to assure that all laws cited herein are correct however complete accuracy cannot be guaranteed.