Legal Question in Civil Litigation in Wisconsin

In Wisconsin vehicle repossession (replevin) cases, it is customary for lenders to use two totally separate lawsuits, the first being to recover possession of the vehicle, and the second being to recover any deficiency which remains owing after the repossessed vehicle is resold at an auto dealer auction (such auctions often yield far less than the amount owed on the loan, creating a claim for a "deficiency" judgment). Even though no deficiency dollar amount may have been requested in the first lawsuit, the plaintiff is normally permitted to bring a second lawsuit solely for the purpose of recovering the deficiency. If you are interested in fighting such an action, you owe it to yourself to retain an attorney with bankruptcy experience, who would be the most likely to spot technical defenses or analyze how beneficial a bankruptcy filing would be for you. Normally, deficiency claims are 100% dischargeable in a bankruptcy. For the record, I need to remind you that my answering this question on Law Guru does not constitute legal representation for purposes or court or any other further activities unless you make additional arrangements to retain me. You therefore must make arrangements to meet your legal needs since I will not be taking any action on your case.