We at Krautkramer & Block understand that COVID-19 (Coronavirus Disease) has forced many in our community to stay home and not travel to avoid being exposed to the virus. We also understand that many of our fellow citizens still have legal and financial problems that cannot wait. We are here to help get your legal life in order. Since many of you are staying home to avoid the risk of infection, we have decided to offer for a limited-time: virtual initial consultations. Rather than coming to our law office here in Wausau, you would request a virtual consult with my office. During a telepho ..read more

I received phone calls from individuals distressed and concerned about emails and faxes claiming to be from collection agents or prosecutors threatening arrest. They also provide a pdf of a phony arrest warrant if payment is not made immediately. The phony arrest warrant even uses a bogus logo. Do not fall for this trick ..read more

How to Get a Free Copy of My Credit Report? Many clients ask me how to go about getting a free copy of their credit report. You are entitled to a free copy of your credit report from each of the three credit reporting agencies once a year. You have three ways to request it ..read more

The debtor, Lesley Campbell (“Campbell”), filed an adversary proceeding to obtain a determination that funds she borrowed under a CitiAssist Bar Exam Loan in April 2009 is dischargeable. Campbell was a student at Pace University Law School. Citibank, N.A. and The Student Loan Corporation (“Defendants”) sought dismissal. On March 24, 2016, Judge Carla E. Craig of the U.S. Bankruptcy Court for the Eastern District of New York in Campbell v. Citibank, N.A. et al, Adv. Pro. No. 15-01038-CEC denied the Defendants Motion to Dismiss Lesley Campbell adversary proceeding and determine seeking a determi ..read more

On July 22, 2015, Mark Tetzlaff lost his appeal seeking to discharge his student loans in front of the United States Court of Appeals for the Seventh Circuit in Tetzlaff v. Educational Credit Management Corporation, No. 14-3702 (7th Cir. 2015 ..read more

On June 1, 2015, the United States Supreme Court in Bank of America v. Caulkett 135 S.Ct. 1995 (2015) reversed the Court of Appeals for the Eleventh Circuit's decisions in two bankruptcy cases, In re David Caulkett and In re Edelmiro Toledo–Cardona. In those cases, the Eleventh Circuit held that "[A] wholly unsecured junior lien...is voidable under section 506(d) [in a chapter 7 bankruptcy]." Each debtor had two mortgage liens on their respective homes, but the amount of the senior mortgage lien was greater than each home's current market value. This made the each bank's junior mortgage liens ..read more

On February 26, 2015, the U.S. Bankruptcy Court for the Western District of Wisconsin sustained a chapter 7 panel trustee’s objection to debtors’ claim of exemptions under Wisconsin’s homestead exemption in two parcels of real estate in In re Minor, Bankruptcy Case No. 14-13002, Feb. 26, 2015 ..read more