Geraci Law Reviews

Real reviews from real clients about their Geraci Law bankruptcy experience.

Geraci Law Reviews

Attorney Lizette Villegas, Geraci Law Chicago, Illinois Office LIZ-Square---High-Res

“My experience with the Geraci Legal family has been nothing short of remarkable. Attorney Lizette (Liz) Villegas has demonstrated the highest levels of professional demeanor, ethics, empathy and a simply great level of attention to detail, flexibility and patience. For my partner Julie and myself, we are grateful for her assistance. ”

CDSAttorney Cecil Scruggs, Geraci Law Calumet City, Illinois Office

“Attorney Scruggs was very helpful & knowledgeable. He answered all my questions. I was nervous & didn’t know what to expect when filing my Chapter 7. However, I walked away with a wealth of knowledge. I highly recommend Law Offices of PFG.”

RODAttorney Rodney Geer, Geraci Law Merrillville, Indiana Office 

“ROD, Mr. Ellis – G+ for MER: I hope this review goes to, or is forwarded to, Peter Geraci himself. A BIG HIGH 5 to Rodney Geer in your Merrillville, Indiana office! A real professional! Rodney took extra time to answer all of my questions, and address all of my concerns. My situation was quite bleak, and he could see that I was stressed. He arranged all of the accommodations to personally suit my individual needs. This put me at ease, and that was very important to me. Facing bankruptcy is certainly one of the most devastating situations one can face. I am thankful this will soon be behind me, and I praise Mr. Geer for his professional handling of my case. Again, 5 STARS all day long. And Griselda Estrada is a gem of an assistant. They make a GREAT TEAM!”

JKNAttorney Jason Nielsen, Geraci Law Rockford, Illinois Office

“This was hands down one of the most terrifying and humbling things I’ve ever had to do. However, the discretion in which the office uses and the ease given by how hard Jason worked to make sure everything I needed was taken care of is priceless. I was treated with kindness and compassion despite my million questions and anxieties. I liked that there was no one there when I went because I was embarrassed to have gotten to this point in the first place. The quiet of the office helped me feel like they were devoting their time to help me entirely in a moment when I needed it most. This process has been easy and painless for me thanks to Jason. I would recommend anyone struggling and looking for answers to just schedule an appointment to see them so you, too, can find some relief and peace of mind. They definitely did that for my family and me.”

SLHAttorney Sharon Hunt, Geraci Law Cottage Grove/Chatham, Illinois Office

“This company has really helped me during a trying time. I’m young and have amassed a large amount of debt; I didn’t know how I would manage. I learned bad financial practices from my parents and I it was making my life harder. Geraci Law made doing this bankruptcy super easy. The attorney’s at this location really go above and beyond to make sure that you get the help that you need. Everything that you need to file a successful bankruptcy, Geraci will provide, just make sure that you go into the bankruptcy willing and ready to make life changes.”

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.

Are Your Financial Goals Out of Reach?

Struggling with debt and tired of owing? Bankruptcy might be the BEST option for you to get on financial track!

Are Your Financial Goals Out of Reach?

Do you have financial goals? Do you want to own a car? Own a house? Be able to save for retirement? If you owe a substantial amount of debt – these goals can be out of reach. No one plans on becoming inundated with debt – but sometimes life happens and you simply get in over your head.

Not being prepared for the UNEXPECTED can cause debt to snowball and savings to dwindle. Sometimes it’s bad luck, sometimes its job loss, currently it’s a pandemic causing havoc on everyone’s wallets. So what do you do if you owe money and have financial goals?

Cut Expenses

Financial planners may say to cut out the unnecessary expenses and live within a budget. That’s great advice – living within a budget AFTER you get out of debt can help you stay on financial track to meet your goals.

Cutting expenses may not help if you are ALREADY overburdened with debt.  If you have $20,000 balance with 18% interest – paying the minimum balance will take over SIXTEEN years to pay off the balance. Think about the past 16 years – were your finances stable? Did you work the same job with the same expenses with no unexpected expenses? Probably not.

Debt consolidation

Debt consolidation or debt settlement is a common choice for people with debt. Companies advertise cutting minimum payments and interest rates with the promise of LOWERING the monthly bill.

The reality is debt consolidation or settlement does NOT work for people with a large amount of debt and low amount of savings. You could pay the consolidator thousands for the “service” and be in debt even longer.  Your credit score is STILL negatively affected. There’s NO protection for you if the bill collector rejects the proposal and decides to sue any way.

Bankruptcy 

With bankruptcy you are using FEDERAL LAW to get control of your finances. Chapter 7 bankruptcy eliminates your unsecured debt and a Chapter 13 is a court supervised repayment (or consolidation) of your debt. You are using federal laws put in place to help YOU.

Think about your financial goals. After filing a Chapter 7 bankruptcy, you have a fresh start. If you create a budget and stick to it, you could have a savings account. So when the unexpected happens, you do not have to rely on credit to make it. If bad luck happens – you do not need to use the credit card to buy groceries. SAVING money is a very powerful thing.

Chapter 13 is ONE monthly payment to cover your bills. Unlike consolidation – a Chapter 13 is structured into a 3-5 year repayment plan. It will NOT go longer than that. If the unexpected happens during your Chapter 13 – that’s why you have Geraci Law on your side. We’re a phone call away to adjust your plan if necessary.

If you want to talk about your financial goals and your debt – Geraci Law is here. We offer free consultations with our experienced attorneys to give you options for your debt.

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.

Driver’s License Suspensions & Bankruptcy

Worried about a driver’s license suspension? Call Geraci Law!

Driver’s License Suspensions & Bankruptcy

Is your driver’s license suspended for unpaid parking tickets? Are you worried about a judgment from an uninsured car accident? Look no further – Geraci law might have your solution!

Driver’s license suspensions for speeding, criminal or moving violations are NOT solved with bankruptcy. However if your license is suspended for any of the following, you should call Geraci Law NOW to help:
– Parking tickets
– Red light tickets
– Toll way violations
– Uninsured car accidents

Filing a Chapter 13 bankruptcy will consolidate the debt into an affordable monthly payment. You can reinstate your driver’s license BEFORE the case is discharged. With Geraci Law – most Chapter 13 cases can be filed for NO MONEY DOWN if you are working full time.

If you have City of Chicago parking tickets, a Chapter 7 bankruptcy could help. You can eliminate any other debt like credit cards, medical bills and then Geraci Law will help you with the Fresh Start program.  Read more at Chicago’s Fresh Start Program

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 Reviews

Real review from real clients about their Geraci Law bankruptcy experience.

Geraci Law Reviews

Attorney Ashley Chike

CHKTo whom it may concern, I initially reached out apprehensive. I ran into debt after earning two college degrees, that like many, hasn’t panned out – fulfilled. In my pursuit of happiness, I accrued a modest debt, that in many ways should have paid for itself. I borrowed with the expectation my education would break through the proverbial wall. It didn’t and I got stuck. When I reached out to Geraci, I felt welcomed and after I met with Ashley Chike, I became confident my bankruptcy would be handled with both tact and care. It has.

Bankruptcy exists for a reason. It allows you to keep on going with the acknowledgment that what you had going wasn’t working. So, try again. Big business does it, so why can’t you? At 34, selecting Geraci ranks as one of the best choices I’ve ever made. I feel like my family and I have future again. I am forever indebted (excuse the pun) and am sincerely grateful. Your representation has been superb!

Attorney Frank Hernandez

FCH“I went to Geraci Law on Berwyn and I have never been more satisfied and relaxed about opening up about my Finances. I worked with Frank who is a very Knowledgeable attorney and was able to assist me in the process of filing Bankruptcy. I was embarrassed but with his expertise and understanding I was confident I was doing the right thing and he reassured me it was in the best interest for my family…. Thanks Frank”

 

Attorney Ricardo Gomez

MEZ“My representative was Ricardo Gomez and I was grateful to be represented by him. He walked me through what I needed to do for my case. He was very supportive and sensitive to my needs. He was very knowledgeable in his field and was very clear and open in answering my questions. I was very nervous and unsure about how to handle my out of control debt but Mr. Gomez advised me and gave me comfort. I am very pleased with receiving services through him and the hospitality that him and this Geraci law offices team. I rate above 5 stars for Mr. Gomez. There’s not enough stars to rate this wonderful guy. Thank you Mr. Gomez and the law team located on 86th and Cottage Grove.”

Attorney Joseph Blaha

JJB“I gave This Bankruptcy Firm 5 stars all because of Joseph Blaha. He was a fantastic bankruptcy lawyer. This is my first time filing bankruptcy I was scared, nervous, worried and worst of all anxiety I didn’t really know what to do, but that all disappeared when i got Joseph as a Lawyer! I would have to say that the process of everything was truly easy. Joseph made my bankruptcy experience terrific(who says that when filing?!?) It was a super easy process, I mean I really didn’t have to do all that much Joseph gave me a list and thoroughly explained everything everything on that list that I needed to gather in a timely amount of time he answered all my questions, this guy right here Joseph Blaha I would recommend him if your looking to file chapter 7 &13 Bankruptcy he is a great lawyer making a connection with his clients to help them in there time of need. During my divorce I went off the deep end of spending money and Joseph gave me a fresh start of not having to owe money to anyone. With that being said thank you Joseph Blaha for giving me a fresh look on my new life adventure! So please call Geraci law to make your bankruptcy appointment with Joseph Blaha you wont be disappointed!”

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 Offices Open 6/8!

Geraci Law offices are opening NEXT week! Schedule a time to meet with our expert attorneys!

Geraci Law is ready to meet you (safely) in person! Our offices are opening the week of 6/8. If you want to review your options or if you have questions – we’re here for you. Bankruptcy is complicated and you need an expert like Geraci Law attorneys on your side.

Video Meeting

  • We’re available to meet the same day or anytime between 8:00 a.m.-6:00 p.m. (central standard time).
  • You only need a smart phone!
  • To schedule a video meeting, you can:

In Person Meeting

  • We are available Monday-Friday – appointments are SCHEDULED to keep you and our staff safe.
  • We have masks, gloves and pens for EVERYONE!
  • You can schedule an person meeting by calling us at 800.401.4010.

 

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 Offices Opening Safely SOON

Attorney Frank Heranndez meets safely wearing a mask at the Geraci Law Berwyn office. Need help? Our offices are opening soon!

Geraci Law Offices Opening Safely SOON

Some Geraci Law offices are open for in person meetings. We require EVERYONE to wash their hands when entering our offices. We also provide masks and gloves to everyone we meet with. We are by APPOINTMENT only so schedule yours today.

Geraci Law video meetings are ALSO available. Our attorneys are available Monday-Friday from 8:00 a.m.-6:00 p.m. We can help you whether in person or in the comfort of your own home! Safety for our staff and clients is our priority.

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.

Credit Concern? Call Geraci Law!

Banks are cutting access to credit. Are you overwhelmed with bills? Are you worried about debt? Call Geraci Law.

Credit Concern? Call Geraci Law!

Have you noticed your available credit is cut? Did you see an account get closed? Credit card companies are cutting available lines of credit. Over 30 million people applied for unemployment as a result of the pandemic.

With the number of people unemployed, banks consider credit too big of a risk. So if you are late with payments, if you haven’t used the card – odds are the credit line will be cut.

If you are RELYING on credit to get you to the next paycheck, it’s not a great long term plan anyhow. Instead consider bankruptcy.

The cash you are spending on minimum payments that is NOT paying off the balances with interest could be the money you have as a safe hold. Create a budget and stick to it but you can’t create a budget until you deal with the past due balances.

Filing for bankruptcy is a FASTER way to handle your debt. Credit counseling, making minimum payments will cost you THOUSANDS in interest and it could take YEARS to pay off the balances. Your credit score still takes a hit and typically will take LONGER to get on the path to rebuilding.

You do NOT need credit cards. Realigning your budget and using a debit card could save you thousands. If you want a credit card, then pay it off every month. Only use the credit card for what you can pay off so you can AVOID interest. That timely payment every month can help you reestablish a payment history.

So if your credit line is cut, if your cards are maxed out, if you are simply overwhelmed by the debt – call us. It’s a free conversation that can change your life for the better.

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.

5 Chapter 7 Common Questions

5 Chapter 7 Common Questions

Geraci Law wants to be a resource to you during these uncertain times. Here are answers to five common questions about filing a Chapter 7 bankruptcy. Read previous posts about unanswered questions about Chapter 13 bankruptcies (5 Chapter 13 Bankruptcy Myths, What Can a Chapter 13 Do for Me?).

Will I lose my house or my car?

It’s important to meet with an attorney. Geraci Law does not want you to “lose” anything you do not want to lose. There are several factors in determining if you KEEP your house and car:

  • How much equity is in the house?
  • How many people are on title to the house?
  • Are you current with your payments?

These are some of the questions you will review with your attorney. The reason you hire an EXPERIENCED law firm like Geraci Law is to make sure you can keep what you want to keep. If your house is at risk, we’ll talk about alternative options like a Chapter 13. Geraci Law will provide your options to protect what you worked for.

Can I buy a house or car after filing a Chapter 7?

Filing a Chapter 7 bankruptcy does not determine your financial future. Instead, it eliminates your CURRENT debt. Geraci Law clients have gone on to purchase homes, cars, boats, etc. The FIRST step before buying a house, car or any other asset, is to deal with your PRESENT debt. Solve that problem first and then save money for a down payment. Geraci Law will do anything we can to help you get on track to achieve your financial goals.

How much does bankruptcy cost?

The short answer is it’s a LOT LESS than your current debt most times. Geraci Law can file cases for no money down. We will work with you on payment plans that fit your budget. We will work with you to figure out a plan to get you out of debt. For fee quotes, call us. Let’s talk to figure out a plan.

Can I file a Chapter 7 bankruptcy if I am working?

YES! Many Chapter 7 filers are employed. Geraci Law can help you if you are working full-time, part-time, unemployed, disabled or retired.  Talking with an experienced Geraci Law attorney can help determine your Chapter 7 and Chapter 13 options based on your income, expenses a debt.

I filed before – how long do I have to wait before I can file another Chapter 7?

It is an eight year wait from the date you filed your previous Chapter 7. You eligibility is determined by the date when your Chapter 7 was FILED not discharged. If it has NOT been eight years, you can review your options for a Chapter 13 bankruptcy.

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.

Chapter 3 – What Causes People to Need to File Bankruptcy

An excerpt from Attorney Peter Francis Geraci’s “The Complete Book on Bankruptcy.”

Chapter 3 – What Causes People to Need to File Bankruptcy

Below is an excerpt from Attorney Peter Francis Geraci’s “The Complete Book On Bankruptcy.”  You can read the rest of the book online at https://www.bankruptcybookbypeterfrancisgeraci.com/.

If you need help or have questions – our experienced staff is 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!

CHAPTER #3 WHAT CAUSES PEOPLE TO NEED TO FILE BANKRUPTCY

This is an easy one. Because most stuff other than bankruptcy is fraudulent. That means someone somewhere, on the internet, or maybe in Russia, or maybe your own bank, wants your money, and will say anything to get it.

1. “bill consolidation” is usually a fraud scheme There is no way to “consolidate” all your bills into one lower payment you can afford, pay your vehicles and mortgage and tax debt first, and stop every single creditor from bothering you, adding late charges, or suing you. No way. None. Nada. Except for Chapter 13 bankruptcy. Oh, there’s that word again “bankruptcy.”

2. “Loan modification” Fraud schemes like “Legal Helpers Loan Modification” just stole people’s money and disappeared with millions. Banks usually string you along for months and lose your paperwork, making things worse. Then all they do is take your 30 year loan and turn it into a 40 year loan to “get” you a lower payment. Great, now you’ll die before you pay them off and they’ll get your house back after collection mostly interest payments.

3. “Credit Counseling” Possibly the worst fraud. Some of them pose as law firms. Some are “lawyers” who really should be in jail. Being a lawyer makes them try to take as much as the first year’s payments up front as fees”. They usually last a year before getting indicted and put out of business.

4. “Debt settlement” Definitely the worst. Run, do not walk, as fast as you can from these skunks. Legal Helpers Debt Resolution” and others stole $50 million or more and faded into the night. Their imitators are still around, and so are the lawyers involved. They only lost their law licenses for a couple years. Nice payday on your money!

All these schemes play on your guilty, embarrassment and confusion. They can’t stop late fees, repossessions, lawsuits, foreclosures, license suspension, or anything else. So, beware of “bill consolidation, mortgage modifiers, debt settlement and credit counseling”. We usually see folks who have paid $3,000 to $5,000 to bill consolidators, and have nothing to show to it, when they could have filed Chapter 7 or 13 and really solved their problems and gotten a true fresh start.

Bankruptcy is very predictable. Everything is in writing, and while there are a lot of stupid lawyers who do lose $3000 or $5000 of their client’s money in Chapter 7’s, and take Chapter 13 cases that fail quickly after they get paid, Geraci Law does not engage in shady practices. So why pay the same, and not get the name? Ask your friends and family, and even your boss at work. Chances are they’ll say, “talk to Geraci Law.”

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 Reviews

Clients love Geraci Law – read some REAL reviews.

Geraci Law Reviews

MELAttorney Mark Levine

I am a repeat Geraci Law client and I would absolutely recommend them to anyone! I came back after 10 years and was able to see my same attorney Mark Levine which made me very happy. Geraci & Mark provide excellent service. They are punctual and polite and professional and they are always attentive to our questions. They have answers for whatever questions we have. Definitely recommended!

 

MEGAttorney Megan Hayes

I wanted to say thank you to Meg and Marc. Since I sat down with Marc originally, he took the time and effort to really treat me like I was his own brother. He was really passionate about helping me. Both Marc and Meg helped me get my life back on track. No one communicates like they do. They are on point. They make sure I don’t forget about anything. With everyone busy these days, it’s truly comforting to have a company who cares that you are on track with your future. You are all very personal and I thank you for that!

 

MAAAttorney Marc Affolter

Since I sat down with Marc originally, he took the time and effort to really treat me like I was his own brother. He was really passionate about helping me. Both Marc and Meg helped me get my life back on track. No one communicates like they do. They are on point. They make sure I don’t forget about anything. With everyone busy these days, it’s truly comforting to have a company who cares that you are on track with your future. You are all very personal and I think you for that!

 

KUL

Attorney Christine Kuhlman 

I had put off contacting a bankruptcy attorney out of fear of the process and the unknown. I didn’t want bankruptcy to turn my life upside down. At the same time, I was constantly stressed about my debt and whether I was on the verge of having my life turned upside down because of my inability to pay creditors.
After my initial phone call to Geraci Law I was contacted by Attorney Christine Kuhlman and we scheduled a video call. Inside of mere minutes of our call I felt confident that I was in good hands. My nerves settled down as Attorney Kuhlman explained the process and answered my questions. I followed her instructions as we stepped through the process. I was pleasantly surprised at how quickly things moved along. It became clear that bankruptcy wasn’t going to be some long, seemingly endless process that I feared. I felt empowered.
The Client Corner proved to be an excellent tool through which documents were provided and exchanged. Keeping track of what I completed and needed to complete next was easy and effortless on my end. At no point did I feel that my case had fallen aside. It seemed that Attorney Kuhlman handled my case in the same manner that she would handle her own. Now that my case is ready to file (a mere week after first contact) I can stop wasting energy worrying about my financial future as though it were a lost cause. I feel that I have a large part of my life back.
Thank you Attorney Kuhlman and Geraci Law!

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.