Kohn Law Firm

Location and Hours of Operation

Where is the Kohn Law Firm located and what are the hours of operation?
The Kohn Law Firm is located in the heart of downtown Milwaukee at 312 E. Wisconsin Ave. Suite 501, directly between Broadway and Milwaukee streets.

The firm is open to the public from 8:30 am - 5 pm, Monday through Friday. We are closed over the lunch hour of 11:45am - 12:45pm daily. Please plan accordingly.

Collection department hours are 8:00 am - 8:00 pm Monday through Thursday, 8:00 am - 5:00 pm on Fridays and 8:00 am - 12 noon on Saturdays.

Area serviced

What area does the Kohn Law Firm service?
The Kohn Law Firm services the entire state of Wisconsin from its Milwaukee location. We are able to appear in many of the courts via telephone, letter or co-counsel that the firm works with on a regular basis.

For our large volume clients, we are able to service accounts nationwide through a network of attorneys in various states.

Statute of Limitations

What is the statue of limitations on open account purchases in Wisconsin?
The statute of limitations in Wisconsin on open account purchases is six years from either the last date of purchase, or the last payment date, whichever is later. Recent Wisconsin case law prohibits us from accepting and making demand on any claim out of statute.

Standard Court Costs in Wisconsin

What the standard costs to sue in Wisconsin?

Costs will differ based on the balance of the account sued. Claims under $5000 are handled in small claims courts. Balances over $5000 are handled in our civil, large claims courts.

Estimated Summary of Wisconsin standard Court Costs:

Small Claims (under $5,000):
Summons and Complaint filing fee $85.00 includes replevin, eviction, contracts
Service $40.00 49.00
Garnishment - $83.00 plus Witness fee $15.00

Large Claims (over $5,000):
Summons and Complaint filing fee $256.00
Service $40.00
Garnishment $201.00 Witness fee $15.00

Other: Docketing $5.00 Entry of judgment $5.00 Publication Based on newspaper Supplementary Order to Appear $15.00, plus service Contempt $15.00 - $40.00

We request an advance of $175 for a small claims action and $315 for a large claims action. Costs are recovered out of the first monies collected without a collection fee being assessed.

Notice to Cure - Wisconsin Consumer Code

What notice must a creditor issue prior to accelerating a balance on a credit card or installment loan in Wisconsin?
425.104 Notice of customer's right to cure default.
425.104(1)
(1) A merchant who believes that a customer is in default may give the customer written notice of the alleged default and, if applicable, of the customer's right to cure any such default (s. 425.105).

425.104(2) (2) Any notice given under this section shall contain the name, address and telephone number of the creditor, a brief identification of the consumer credit transaction, a statement of the nature of the alleged default and a clear statement of the total payment, including an itemization of any delinquency charges, or other performance necessary to cure the alleged default, the exact date by which the amount must be paid or performance tendered and the name, address and telephone number of the person to whom any payment must be made, if other than the creditor.

425.105 Cure of default.
425.105(1)
(1) A merchant may not accelerate the maturity of a consumer credit transaction, commence any action except as provided in s. 425.205 (6), or demand or take possession of collateral or goods subject to a consumer lease other than by accepting a voluntary surrender thereof (s. 425.204), unless the merchant believes the customer to be in default (s. 425.103), and then only upon the expiration of 15 days after a notice is given pursuant to s. 425.104 if the customer has the right to cure under this section.

425.105(2)
(2) Except as provided in sub. (3), for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer's rights under the agreement as though no default had occurred.

425.105(3)
(3) A right to cure shall not exist if the following occurred twice during the preceding 12 months:
425.105(3)(a)
(a) The customer was in default on the same transaction or open-end credit plan;
425.105(3)(b)
(b) The creditor gave the customer notice of the right to cure such previous default in accordance with s. 425.104; and
425.105(3)(c) (c) The customer cured the previous default.

425.105(4) (4) With respect to consumer credit transactions in which the creditor has a security interest in, and possession of, instruments or documents, as each is defined in s. 409.102 (1), which threaten to decline speedily in value, this section does not restrict the creditor's rights to dispose of such property pursuant to subch. VI of ch. 409 and the terms of the creditor's security agreement.