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i have heard that debt settlement is not legal in wisconsin. i cant get a straight answer from anyone. is it legal

Certain states have a much more restrictive policy towards debt relief companies than others. Some states require strict licensing qualifications while others restrict the amount of fees that debt relief companies can legally charge preventing many firms from operating in those states.

I assume you are a resident of WI so I suggest you contact a local attorney who deals with personal debt issues (like a bankruptcy attorney). Attorneys are always exempt from the state restictions so many debt settlement companies who operate in states like yours will have attorney representation in the state to allow them to operate under the state laws legally.

So if you can find a debt settlement company that will work in your state, they should have attorney representation in that state if they are operating under the guidelines or they have otherwise fully complied with the laws and licensing requirements to do business in that state as a debt relief company.