Legal Question in Credit and Debt Law in Wisconsin

Yes, judgment creditors can use supplemental hearings as a tool of harassment in many different ways, including burdensome records requests and excessive questioning. However, their purpose is limited by law to providing the creditors with the necessary information which they need to enforce a judgment; nothing more, and ultimately, the creditor must ask a judge to hold the debtor in contempt if for noncompliance if the response is not to the creditor's liking. If you properly defend yourself in such a contempt proceeding, you can ask the judge to make the final decision as to which information is reasonable and necessary for the creditor's legitimate purposes (such as garnishment of you wages and bank accounts and seizure of other assets). However, fighting a contempt case is not for the fient of heart since jail is a possibility if you lose If you are having problems with supplementary proceedings or asset discovery requests, you owe it to yourself to at least have an initial consultation with an experienced lawyer. A bankruptcy filing by any debtor will end such proceedings in favor of those conducted by the bankruptcy trustee, which are usually brief and reasonable. Individual debtors (as opposed to corporate debtors) usually receive a discharge in bankruptcy which ends all of this forever at a very moderate cost. One can obtain a chapter 7 bankruptcy discharge every eight years, if necessary, and can file chapter 13 if he needs this relief sooner than eight years after his last chapter 7 case. My comments here are not legal advice, nor do they create an attorney client relationship between us. However, you are welcome to contact my office in Racine to discuss any additional questions which you may have or to set up a free consultation.