Geraci Law is Here to Help

Geraci Law thanks ALL essential workers for helping everyone. If you need help, Geraci Law is here for you.

Geraci Law is Here to Help

Geraci Law wants to thank all the medical workers, grocery workers, and everyone out there working to support the country during COVID-19. We understand it’s tough and we appreciate everything you are doing.

Despite many people losing jobs, losing hours, the collection efforts do not stop. Collection agencies are still calling although they probably should not be, there are still lawsuits being filed against people who are struggling. That’s where Geraci Law can help. Filing for bankruptcy can STOP the collection actions from the creditors.

Creditor lobby groups fought against a bill proposed in Congress to STOP collection agencies from reporting late or missed payments to the three credit bureaus. The bill did NOT pass. The CARES Act did pass. There are guidelines written out by Consumer Financial Protection Bureau urging banks to work with consumers. Read more at the New York Post here. An excerpt from the letter written by US Chamber of Commerce and other associations that represent banks and creditors said,

As you consider options to protect consumers from harm, please be aware that blanket suppression of all adverse information in credit reports could disrupt consumer access to credit in the future.

Sometimes we all need a little bit of help. As of now, the help is not coming from Congress and help is not guaranteed from your creditors and banks. Geraci Law is here for you. Bankruptcy could be the solution to your problem.

If you are struggling with payments, worried about your job, worried about catching coronavirus and missing work – we’re here for you. Geraci Law IS open and meeting via video. We make debt relief simple because no one needs extra stress right now.

Dial 1-800-CALL-PFG for a free phone mini-consultation, or make an appointment online 24/7 at www.infotapes.com.  Bankruptcy laws are in place to help you.  Who knows bankruptcy like Geraci Law?  Geraci Law has 25,000 5-star reviews 5starsince November 2016!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Debt Worry? Call Geraci Law.

If you are worried – call Geraci Law. Our experts will help you create a plan that HELPS your budget and debt.

Debt Worry? Call Geraci Law.

Because of the market crash in 2008, interest rates on consumer debt like personal loans and credit cards were historically low. The result was consumers having MORE debt with less interest. When everyone was working full-time, the household budget was fine. The income was there to make the minimum payments plus some more on the debt. Geraci Law was there for consumers in 2008 and we’re still here to help.

Now with COVID-19 and employment uncertainty, a missed payment could snowball into a big debt problem. Even if work resumes tomorrow – what if the market isn’t there? What if there’s no job to return to? What if the virus stimulus package only covers ONE MONTH of payments but does not solve the debt problem. Geraci Law may have your solution.

Geraci Law is here to help consumers realign budgets. We help people just like you worried about minimum payments and just making it. Eliminating YOUR debt helps YOUR future instead of the banks.

You can take what you are spending in minimum payments and start a savings account. You can take the money you are putting towards debt settlement or debt management programs and put it toward a down payment on a home or retirement. Bankruptcy with Geraci Law helps you get back on financial track.

Stop wasting your hard-earned dollars on uncontrollable debt.

Think about your future.

Think about your job’s future.

If you are worried, call us. Geraci Law can help you figure out a plan that works for you.

Dial 1-800-CALL-PFG for a free phone mini-consultation, or make an appointment online 24/7 at www.infotapes.com.  Bankruptcy laws are in place to help you.  Who knows bankruptcy like Geraci Law?  Geraci Law has 25,000 5-star reviews 5starsince November 2016!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Virus Stimulus Package – Bankruptcy

Geraci Law helps answer questions about the Virus Stimulus Backage.

Virus Stimulus Package – Bankruptcy

The United States Government is close to authorizing a stimulus package where Americans will receive a check. How much are you expecting? What do you do with the money? Geraci Law is here to help.

If the bill passes, if you are:

  • Single and making less than $75,000 per year, you will receive $1,200 check.
  • Married and household income less than $150,000, you will receive a $2,400 check.
  • Any couples or individuals UNDER this earnings mark will receive $500 per child.

The income threshold will be based on your Adjusted Gross Income (AGI). So what do you do with the money? You should think about your finances. Ask yourselves these questions:

  • Will this money pay off my debt in full?
  • Will this additional income pay off my mortgage arrears in full?
  • Does putting this money toward my debt SOLVE my problem or just buy me another month without collection calls?

Think about your answers. You do not want a Band-Aid for a wound. This stimulus package is supposed to help cover the short paycheck or missed hours at work. If you are NOT paying off your debt balances in full, then what happens in the next month or the following with your minimums? Does this prevent a foreclosure? Does it stop a car repossession?

Bankruptcy DOES. Filing a Chapter 7 to eliminate your credit card and other debt could allow you to get back on track. The additional funds could help start a savings plan for an emergency. Filing a Chapter 13 would STOP a repossession or a foreclosure.

Geraci Law is here for you. If you have questions or if you want to talk to a professional about your financial situation, we’re here. Geraci Law is open and ready to help!

Dial 1-800-CALL-PFG for a free phone mini-consultation, or make an appointment online 24/7 at www.infotapes.com.  Bankruptcy laws are in place to help you.  Who knows bankruptcy like Geraci Law?  Geraci Law has 25,000 5-star reviews 5starsince November 2016!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Geraci Law is OPEN

Geraci Law is open and ready to meet with you by video. Call us at 800 CALL PFG!

Geraci Law staff and attorneys are here and ready to help you!

We are available by phone at 800 CALL PFG (800.225.5734) for free mini-consultations to answer any questions you have about bankruptcy, budgeting or finances.

Geraci Law attorneys offer a FREE video meeting to discuss bankruptcy options. You will meet with a LIVE attorney to discuss your financial situation. We make the process hassle-free so with a click of a button you can meet with an experienced Geraci Law attorney.

The effects of COVID-19 virus attack more than just your immune system. Job positions are being eliminated and hours are being cut. The economy is in uncharted waters. Everyone has questions to ask about their financial future.

Geraci Law is a source of information for financial questions. We try our best to be a RESOURCE to those in need of answers to lingering questions.

 

Huffington Post Writer Explains Chapter 13

Recent post in the Huffington Post discusses writer’s bankruptcy experience at age 26. Geraci Law is here to help you at age 26 to 76!

Huffington Post Writer Explains Chapter 13

In a recent post in the Huffington Post, John-Michael Jalonen writes about his experience filing for bankruptcy at 26 years old. He like many recent college grads, found himself with more debt than his income and student loan obligations could afford.

Filing for bankruptcy changes many people’s lives for the better. It gives the opportunity to reestablish yourself financially. Geraci Law’s motto is “Changing Your Life For the Better.” We stand by that.

Read Jalonen’s article here.  An excerpt from the piece,

“Admitting you’re in debt, much less deep debt, is incredibly embarrassing and makes you feel like a failure. However, it’s something that so many people are faced with, and going through the bankruptcy process can actually be a blessing.”

If you have questions about debt, finances or just want to talk about budgeting – give us a call. Experience counselors are waiting to help you!

Dial 1-800-CALL-PFG for a free phone mini-consultation, or make an appointment online 24/7 at www.infotapes.com.  Bankruptcy laws are in place to help you.  Who knows bankruptcy like Geraci Law?  Geraci Law has 25,000 5-star reviews 5starsince November 2016!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Geraci Law Virtual Consultations

Geraci Law is offering VIRTUAL appointments with our experienced staff. Same great service from the comfort of your home.

Geraci Law Virtual Consultations

Geraci Law is keeping its clients and staff safe from COVID-19.

During this time, we will remain open for phone and virtual consultations with a Geraci Law attorney. Call us at 800.401.4010, you can also schedule an appointment online.

Button General - Online

Geraci Law is happy to continue offering free lawyer consultations during these difficult times. You get the same GREAT service from the comfort of your home.

You may set your free consultation through your local office, however, all meetings will be over the phone or virtually on a web conference.