Reviews from Geraci Law Clients!

“Y’all are great and have helped me so much! Make sure you tell them about all of your debt and give them everything they ask for so they can help you because it’s important! It was an easy experience. I’ve never had more easy, convenient, and affordable assistance.”

“The Process was easy and non complicated. We were treated professionally with no stress. The Attorney was helpful and answered all our questions and made us feel very comfortable during this process. Thank you for all your help and assistance in our time of need.”

“From the first call I placed to Geraci Law regarding advice for my financial situation I was understood and supported. I received quality customer service and empathy most business lack now-a-days. My attorney Lizette Villegas was very prompt, understanding and supportive in all our communications and appointments. Her support was critical in my sanity and she gave me a light at the end of the tunnel, and an option to move forward through life’s obstacles. Thank you Lizette Villegas and Geraci Law Staff!”

“Thank you Marc Affolter and Joseph Blaha! You made filing bankruptcy very simple and easy! Everyone at the Gurnee Office was very friendly and helpful, and anyone looking for help with their debt should CALL PFG and ask for Marc or Joseph, they were the best!”

“Geraci Law, LLC is a great law firm for bankruptcy. They did a great job informing us about every step of the process and they got the paperwork to us very quickly every time. They also very quickly answered any questions we had. It was also nice that they have an online portal to make things a little bit easier. I would recommend them to anyone.”

To schedule a FREE meeting with Geraci Law, call 800.401.4010 or click 



What Clients Say About Geraci Law…

“I was very nervous going into the office to start the process, after sitting down and talking with the lawyers there at the Evergreen office I felt very comfortable. There were no surprises, everything was pretty much spelled out, step by step. My case has been discharged and now I am applying for a loan on a home, I wouldn’t of been able to if it wasn’t for the office of Peter Francis Geraci.”

“We received great service, education and unmatched professionalism when working not only with Geraci Attorneys, but with the entire staff handling our case. The were sensitive to what we were going through and displayed patience and understanding when we asked questions. Overall experience considering the circumstance was awesome!”

“Wonderful and Professional I am very grateful to the entire PFG Legal team for making my experience as painless as possible. There are usually negative thoughts about filing bankruptcy but everyone was very professional and always welcomed my questions. The client portal on the website made everything pretty easy. I always felt connected to my attorney and it was easy to upload my documents and retrieve messages. I also appreciated the option of doing the credit courses online in my own home – very convenient. If you have to file for bankruptcy or even just considering it, I would highly recommend PFG. They are wonderful. Thank you for taking good care of me.”

“I am almost to the point of being able to function again financially thanks to the great work of Morgan Decker at Geraci law. I have kids and grandchildren who love to be at papaw’s house for Christmas. We were unable to have Christmas in 2016 because there was no money even to buy food for it. We had Christmas in 2017 thanks to my debt being discharged. There were no expensive gifts but they all received something under the tree. We all were here and shared a chicken dinner and enjoyed the fellowship. I can’t thank Morgan Decker enough. “

Debt Settlement Scams Revealed

In a recent article, published by Nerd Wallet, “Debt settlement a bad alternative to bankruptcy” Liz Weston shares debt settlement horror stories.  Some of the problems with debt settlement are caused when the debt settlement company doesn’t reveal the full effects of failing to pay a bill or when a debt is discharged without the benefits of Federal laws.  For example, Liz Welton indicated consumers didn’t understand the below consequences of debt settlement:

  • One woman didn’t realize she would face a tax bill on the forgiven debt.
  • A man opted against bankruptcy in part because he erroneously thought he would lose personal possessions.
  • Another woman was shocked at how far her credit scores tumbled and how much interest she was charged when she applied for a car loan.”

Liz also clears up a common misconception about bankruptcy versus debt settlement.  Although debt settlement companies claim bankruptcy is harder on your credit score than settlement, the truth appears to be the opposite.

While a consumer can start rebuilding their credit months after the bankruptcy petition is filed, debt settlement can take years.  When a consumer enters into a debt settlement agreement, they aren’t paying their creditors and often a consumers credit score drops into the 500’s.  With delays in reaching a settlement and eliminating the debt, debt negotiation can keep your credit in the 500’s for years.

Make sure you research your options.  Meeting with Peter Francis Geraci Law Bankruptcy and Injury attorney is free.  We will layout all your options and work with you to help you get debt free.

Peter Francis Geraci Settles Pro Bono Case with Cook County

PFGlogorGeraci Law founder, Peter Francis Geraci, recently settled a civil rights case v. Cook County over jail conditions.  Mr. Geraci handled the matter pro bono on appointment by U.S. District Court Chief Judge Ruben Castillo.  Members of the trial bar of the District Court receive rotating appointments to represent pro se litigants.

Jenner and Block also represented the same plaintiff in several other cases and contributed to obtaining a global settlement of the plaintiff’s claims for abusive conditions and medical treatment at the Cook County jail.

Geraci Law regularly contributes time and resources to representing indigent litigations.  The firm contributes hundreds of unpaid hours a year in this regard.


Geraci, Arreola & Hernandez, L.L.C. are members of the Exclusive ISBA Mutual Club



Geraci, Arreola & Hernandez, L.L.C. became members of the exclusive ISBA Mutual Club on June 1, 2017.  The ISBA Mutual Club provides quality legal service to low-income individuals who would otherwise not have access to certain types of legal aid.  The Illinois Bar Foundation helps thousands of individuals each year and will distribute approximately $750,000 in funding.  Geraci, Arreola and Hernandez’s contribution will support the Warren Lupel Lawyers Care Fund, which helps attorneys and their families.

Attorney Peter Francis Geraci is an advocate for providing legal assistance to individuals with low income.  Peter Francis Geraci’s firm, Geraci Law L.L.C., files pro bono cases for individuals who demonstrate a need for assistance, but are struggling financially.  In addition, Peter Francis Geraci is on a list of attorneys who accept pro bono cases in Illinois.

You can learn more about the Illinois Bar Foundation at their website,

Geraci Law L.L.C. Helps Client Discharge Student Loans

Geraci Law L.L.C. successfully discharged $23,306.90 in student loan debt.  Geraci Law filed a case against the lenders in Federal Court in October of 2016.  Geraci’ Law’s complaint alleged their client, an elderly woman, made a good-faith effort to repay the loan; making all of her arranged payment starting in March of 2016.  However, Geraci Law asserted their client’s student loan debt posed an undue hardship.

Student loans are usually not dischargeable and most people will be required to continue paying on them even after a bankruptcy.  One of the ways to get rid of student loans is to prove the loan poses and undue hardship to the debtor.  When determining if repaying student loans poses an undue hardship, the court adopted the “Brunner Test.”  The “Brunner Test” is a three-prong test to determine whether student loan debt can be discharged.  For student loans to cause an undue hardship you must prove:

  1. That the debtor cannot maintain, based on her current income and expenses, a “minimal” standard of living for herself and her dependents if forced to repay the loans;
  2. That additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the loans, and
  3. That the debtor made good-faith efforts to repay the loans. Krieger, citing Brunner v. New York State Higher Educ. Servcs., 831 F.2d 395 (2nd Cir. 1987).


Geraci Law alleged our client met each prong of the test and as a result, her student loans should be discharged.  After months of work on the case, Geraci Law attorneys and the defense agreed to have the student loans discharged and the case came to an end.

Thanks to the terrific work by the Geraci Law L.L.C. trial team, our client has successfully discharged more than $20,000 in student loan debt.

Geraci Law Receives “Biggest Thank You Ever”

The Peter Francis Geraci Law Bankruptcy & Injury Offices love receiving a “thank you” after a successful case. Geraci Law is one of the most reviewed law firms in the country and has more than 4,000 5-star reviews.   You can see our reviews on AVVO, YELP, GOOGLE+ and the BBB websites.


Geraci Law is widely known as a nice place to work.  All attorneys and staff subscribe to the firm’s mission statement, which may be summarized as, “Nice people doing nice things for nice people.”

Interested in contacting a lawyer for debt relief?  visit and enter your zip code to find your closest office.  Remember, Don’t pay the SAME and not get the NAME!