Nathan DeLadurantey

  • Bankruptcy
  • Wisconsin
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Summary

Since starting my own law office in Milwaukee, WI, I have made it my goal to give each of my client's a tailored approach to their financial goals. I have made sure to focus my practice on the "little guy", only dealing with bankruptcy, debtor's rights, and foreclosure defenses. I pride himself on making connections with all of my clients and my office staff claims I have an "obsession" with returning client messages in 24 hours or less. In my free time I enjoy spending time with my children, reading English and Roman History and being a historical re-enactor in theater recitations from the colonial period.

Practice Area
  • Bankruptcy
Jurisdictions Admitted to Practice
Wisconsin
Education
Oak Brook College of Law
J.D. (2005)
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Professional Associations
Wisconsin State Bar # 1063937
Member
Current
National Association of Bankruptcy Attorneys
Member
Current
Websites & Blogs
Website
Website
Legal Answers
8 Questions Answered

Q. A hospital Bill that you get behind on, can the hospital just send it to collection agency without even notifying you.
A: That's an issue of "hot debate" in the legal community these days. I would recommend talking with a lawyer in Wisconsin that handles "consumer law" issues or debt collection issues. I'm sure they'd be happy to take a look at the collection letter with you. Depending on what the letter says, or how it's detailed, it may be a violation of a federal law for them to charge the interest that way.
Q. What funds are exempt from garnishment. unsecure credit card companies loans?
A: Sounds like you need to utilize something called "chapter 128" that's available to individuals in Wisconsin. You do need to be employed to file; so I"m not sure if you have any employment income in addition to your disability. Here's an article about how a Chapter 128 works: http://www.huffingtonpost.com/entry/live-in-wisconsin-and-in-debt-chapter-128-is-your_us_58f4fcb7e4b015669722516d
Q. Can a credit card debt collector freeze my bank account if it only contains disability, pension and IRA deposites?
A: You'd need to offer a few more details - are you talking about the funds in your checking account? Regardless of the source, you have a balance of $5,000 (based on the state statutes) that's protected from garnishment.
Q. Can Aurora Health Care automatically send bills for deceased patient to collection agency? It's their new policy.
A: Are they sending the bill to you? Sounds like you need to locate a Wisconsin consumer law lawyer to review the letter for you. They shouldn't charge you anything to review the letter, explain your rights, and give you some advice.
Q. Can I apply for a loan modification if I'm already in foreclosure?
A: Yes, you can. Call up your lender right away.
Q. A company is stating they are unable to remove a late payment from my credit reporting because it is illegal. True?
A: I am not aware of a law that makes such an action illegal - but most companies have a policy of not doing so.
Q. Foreclose hearing set for 4/25/17. Lender has lied to us about loan mod and will not produce the note. What to do?
A: These situations are very fact specific. I would recommend filing a complaint with the Attorney Generals office, as well as the Consumer Financial Protection Bureau. Otherwise, you will need to hire a lawyer ASAP to fight off the foreclosure.
Q. I bought a car from 199ride.com Wausau auto. They lied to the bank about my monthly income. Now the bank has backed out
A: They do have to find you financing; or service the loan at the terms offered. Locate a consumer lawyer for advice if they don't offer this to you - or worse yet, offer you worse terms from some other financing place. We call that "yo-yo" financing.
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Contact & Map
700 W. Michigan Street
Suite 420
Milwaukee, WI 53233
USA
Telephone: (414) 377-0518
Fax: (414) 377-0515