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Zachary J. Kluck

Bankruptcy and debt Attorney at Madison, WI

4.8   21 reviews

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About Zachary

Learn Zachary’s areas of practice.

Practice areas
  1. Bankruptcy and debt
    Chapter 7, Chapter 13, debt collection, debt settlement

    14 years

  2. Litigation
    Foreclosure, consumer litigation

    14 years

  3. Personal injury
    automobile accidents

    14 years

  4. Landlord or tenant
    represent both landlord and tenants

    14 years

Zachary J. Kluck is a partner at Zerbst & Kluck, S.C. and focuses his practice primarily on bankruptcy and other debtor/creditor issues.  Various options to get rid of your debt exist and the advice on which path to take is different for every individual based on their needs and circumstances.  Some such options are filing a Chapter 7 or Chapter 13 bankruptcy, amortizing/consolidating your debts into a state Chapter 128 proceeding, negotiating with creditors, or even doing nothing at all.  Zach will sit down with you, discuss your situation, tailor the advice to your needs, and explain the process for achieving your goals. 


Beyond bankruptcy, Zach also assists in foreclosures, consumer cases, collection actions, and landlord/tenant issues.  Whether you have a debt that you need to get rid of or one that you need to collect on, Attorney Kluck can help.  He has helped hundreds of people in different situations.  The first 1/2 hour consultation is free.  

Photos and videos

BBB Accredited Business
BBB Rating A+
Licensed for 13 years
State WI
Status Good Standing
Acquired 2009
Updated 03/05/2023

We have not found any instances of professional misconduct for this lawyer.

Contact Zachary

Similar lawyers nearby

Zerbst & Kluck, S.C.
2000 Engel Street, Suite 101
Madison, WI, 53713
By appointment only
120 3rd St, Suite B
Baraboo, WI, 53913
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4.8 / 5.0
  21 customer reviews
Posted by Mary Jo | December 23, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Thank you, Zach!
The bankruptcy process was so overwhelming, but Zach provided the best personal service, making it feel manageable. He responded quickly to all of our questions and concerns, and kept us updated through the entire process. The support that we received exceeded all of our expectations, and we would absolutely recommend him to others that are feeling overwhelmed and find themselves needing a bankruptcy attorney. —Extremely satisfied clients
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Posted by anonymous | February 6, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Top Notch Attorney
I was referred to Attorney Kluck through a service offered by my employer. He assisted me with filing a chapter 7 bankruptcy. He was always very responsive to communication and updated me throughout the case. I would definitely recommend him to other people needing to file bankruptcy.
Posted by Emily | January 25, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Personable and Knowledgeable
I was referred to Zachary by a trusted customer. I couldn't be happier with the help I received. He was always straight to the point, and quick to respond to any questions I had about my bankruptcy case via email or phone. I got to keep my car and I feel as if I learned things from the interaction as well.
Posted by anonymous | April 6, 2017
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
So happy I called!
I was referred to Attorney Kluck through He answered my questions on tenant/landlord law. Attorney Kluck was very amiable and knowledgeable. Thank you!
Posted by Tom & Kaaren | February 28, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Bankruptcy work done for us
Zachary Kluck was referred to us and we are extremely glad we were served by him. He was very respectful of our problems and financial situation. He was very thorough in his explanation and description of what we were facing. His office was also very efficient and complete is his back-up and follow-up. We highly recommend him and have already referred him in a couple of cases.
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Posted by Jenyl | January 6, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Very helpful with Bankruptcy
I recently went through bankruptcy and Attonery Kluck was not only helpful, but explained everything throughly. From beginning to end I never felt any question I asked was dumb question. Also Attonery Kluck was very prompt in responding to all of my questions and following up if need be. Would definitely hire for other Attonery services.
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Posted by Peter and Carrie | November 9, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Bankruptcy with ease
Attorney Kluck was a wonderful attorney to work with, at a time of despair for us. His staff was always just a phone call or email away with answers to our questions. I would highly recommend this attorney.
Posted by anonymous | November 1, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Verified Review Avvo verified that the reviewer consulted or engaged this lawyer
Landlord & Tenant advice session
Would definitely use this service again! Glad to have found out about Avvo!
Posted by anonymous | September 29, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Verified Review Avvo verified that the reviewer consulted or engaged this lawyer
Landlord & Tenant advice session
He was great. Highly recommend. Very prompt, friendly and professional!
Posted by Brian | May 6, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Well done Zachary
I had a client who would not pay me for services. Zachary represented me and got all of my funds in two months and was super reasonable. Great guy, great service. Thanks Z!
Posted by anonymous | February 9, 2016
This review is from a person who hired this attorney.
| Hired Attorney
I received Zach's name and number from a friend who has worked with him in the past. After Zach and I met several times about my debts, I felt very confident he was going to get me out of a financial situation and help me and my financial future. He was able to respond to my questions via phone and email at any time of the day! When I did have questions, Zach answered me in a timely manner and never made me feel like it was a dumb/silly questions. At any time during a meeting I needed more clarification, Zach would stop and explain more so I would fully understand. Zach was very knowledgable and guided me throughout the entire process. Since meeting Zach, I've handed his business card to other friends who would benefit from his services.
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Posted by anonymous | November 2, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Knowledgeable Patient Charismatic Attorney
I was scammed by a debt consolidation company and they were taking my money but not paying the accounts I had listed with them. Three (3) of my creditors filed judgments against me, and 2 others were getting to start the process. I was at my wits end not sure what to do, I met with Zach he walked me through what my options were once I picked the options that worked best for me, he started the paperwork. I am happy to say everything is now resolved Zach was extremely patient knowledgeable and he kept me in the loop every step along the way
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Posted by Josh | October 30, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Happy Client
I was A client of Zachary Kluck and am very satisfied. He made my banctrupcy very easy, with minimal effort on my part. I could tell he knew what needed to be done and I would recommend his services to anyone.
Posted by Lee | October 6, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Bankruptcy Attorney
Deciding to go through bankruptcy is never an easy decision to make and there can be a lot of stress involved in the process. When I decided to file bankruptcy for my business I had many questions and concerns. Zachary was definitely the right call, he was honest, strait forward and made sure I was represented properly so that I was treated fairly throughout the whole process. I do not know what I would of done without him, he made the whole process as painless as possible.
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Posted by Kevin | August 9, 2015
Excellent Bankruptcy Lawyer
I hired Zach to handle my bankruptcy case. He was very professional and helped me through the everything. He made sure that I understand what was happening and that I understand everything!!!!
Posted by Juan Roa | June 19, 2015
Humble & Kind
My family and I don't have words to describe how much Mr. Kluck helped us... Throughout the whole process he was excellent in all aspects and understood our situation... and he is coaching us to learn about this process...
Posted by Linda | February 11, 2015
Excellent bankruptcy representation
I found Zachary while looking for bankruptcy laywers through Met Law. I am glad I found him, he is very knowledgeable and professional, he always responded to my questions in a timely manner, always same day. He put me at ease and made this process very easy on me. I highly recomend him!!!
Posted by anonymous | February 10, 2015
We highly recommend Zachary Kluck for any person that is looking for debt relief or considering bankruptcy. He was very professional and answered all of the questions that we had about the process. We were always informed on the next steps and was able to get relief from financial institutions and medical bills, which was very helpful in dealing with a family illness. Thank you Zach for all of your help and professionalism through a difficult time!
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Posted by Kay | July 26, 2014
A Good Lawyer and Polite!
I recommend Zachary Kluck without reservation. Over the past four years, he has helped me with debt consolidation and then ultimately with my bankruptcy. He has helped me deal with nasty landlords and even gotten me through a very difficult land sale which involved an unreasonable family member. I never felt he judged me or looked down on me for the financial mess I was in or for any other legal issues he helped me with. He was always polite and prompt. I have dealt with lawyers in the past who acted like they were doing me a favor to call me back or answer my questions-even though I was paying them! The real estate agent who sold our property even commented on how wonderful and polite he was. He couldn't have gotten me through what he did without a solid understanding and knowledge of our legal system. For anyone who has ever gone through bankruptcy, you can understand what a relief it is to be debt free. I feel like a new person-stress free for the first time in many years. I thank Zachary for helping me get to this place in my life.
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Posted by pcnutman | October 16, 2013
Very helpful.
Has been very helpful in showing us what he is doing, and what creditors can not do to us. He has showed us that rushing things can cause us more harm than good. He sets us at ease with his knowledge of the law.
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  • Free Consultation 30 minutes
  • Hourly Rates $ 200-275 per hour
Payment methods
Cash, Check, Credit Card


AVVO RATING 8.3 (Excellent)

Work Experience

  • Associate Attorney
  • DeVos & Zerbst, S.C.
  • 2010 - 2015
  • Associate Attorney
  • Carmichael & Quartemont, S.C.
  • 2009 - 2010
  • Legal Intern
  • Demet & Demet, S.C.
  • 2008 - 2008
  • Records Manager
  • Warshafsky, Rotter, Tarnoff & Bloch, S.C.
  • 2004 - 2006
View all work experience


  • University of Dayton School of Law
  • Juris Doctorate
  • 2009
  • Marquette University
  • BA - Bachelor of Arts
  • 2004


  • Madison MAGNET
  • Member
  • 2011 - Present
  • Business Networking International (BNI)
  • Member
  • 2010 - Present
  • American Bar Association
  • Member
  • 2010 - Present
  • Dane County Bar Association
  • Member
  • 2010 - Present
  • United States District Court Western District of Wisconsin
  • Licensed
  • 2010 - Present
  • United States District Court Eastern District of Wisconsin
  • Licensed
  • 2010 - Present
  • Business Networking International (BNI)
  • President
  • 2011 - 2012
View all associations

Languages Spoken

  • English

Honors and Awards

  • William J. Geisheker Award
  • Marquette Univeristy Band
  • 2004

Speaking Engagements

  • isconsin Women's Realtors Association Luncheon
  • Death, Divorce, Taxes and Moving!
  • 2017
  • LAW Luncheon
  • Bankruptcy
  • 2015
  • Solo and Small Firm Conference
  • Quality of Life
  • 2014
  • Overview of Landlord/Tenant Law
  • Landlord/Tenant
  • 2014
  • Panel Discussion
  • How to get a job at a small firm
  • 2012
View all speaking engagements

Attorney endorsements

Received (10)
Given (5)
Endorse Zachary
Bankruptcy and debt Attorney | May 12
Relationship: Fellow lawyer in community
"Zach and I are members of a networking organization which has given me the opportunity to hear Zach speak about his legal practice on a weekly basis. In addition to exhibiting mastery over the areas of bankruptcy and debt, I've found that Zach also has a strong commitment to understanding the non-legal aspects of his clients' situation. If you are in need of legal counsel for a bankruptcy matter, Zach will do an excellent job explaining your options and representing your interests."
Landlord or tenant Attorney | Jun 26
Relationship: Fellow lawyer in community
"I highly endorse Attorney Kluck. As a fellow attorney I would have no reservations about using him as a trusted advisor. He is a competent, ethical, and highly professional attorney. He is highly regarded in the area of landlord-tenant law and I recommend him without reservation."
Unknown Attorney | Mar 04
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Bankruptcy and debt Attorney | Feb 26
Relationship: Worked together on matter
"I endorse this lawyer. We have collaborated on many divorce/bankruptcy matters and I have been very impressed with the knowledge and talent that Zach possesses. Zach works very hard and I feel comfortable in referring any client in need of a bankruptcy attorney to Zach."
Bankruptcy and debt Attorney | Sep 14
Relationship: Fellow lawyer in community
"I regularly refer my clients to Zach for assistance with bankruptcy issues."
Bankruptcy and debt Attorney | May 30
Relationship: Fellow lawyer in community
"I endorse this lawyer. An extremely talented and well respected attorney in the legal community."
Litigation Attorney | Jul 30
Relationship: Fellow lawyer in community
"Attorney Kluck is a very knowledgeable and reliable advocate. Zach is my resource for bankruptcy questions. I would not hesitate to refer family and friends to him for bankruptcy or litigation! He couples a thorough command of the law with creative solutions for his clients to tirelessly advocate for the best possible solution."
Litigation Attorney | Mar 27
Relationship: Fellow lawyer in community
"Attorney Kluck is knowledgeable and dedicated. I endorse him without hesitation."
Bankruptcy and debt Attorney | Mar 16
Relationship: Fellow lawyer in community
"I endorse this lawyer. Attorney Kluck is an outstanding attorney with an excpeptional reputation. He is a strong and zealous advocate for his clients and a credit to the legal profession. I highly recommend his legal services."
Bankruptcy and debt Attorney | Nov 26
Relationship: Fellow lawyer in community
"Zachary is an up and coming attorney in the Madison community. I am proud to call him a colleague, and routinely consult with him on complicated issues relating to debt collection, bankruptcy, foreclosure and family law. I highly recommend him as a compassionate, dedicated and detail-oriented advocate who does an excellent job for his clients."
View more endorsements
Madison Bankruptcy and debt Lawyer Zachary J. Kluck
Zachary J. Kluck
Bankruptcy and debt Attorney
Madison, WI
Licensed for 13 years
Free Consultation