Author: John Senese

January 16, 2017:  “I would like to congratulate the Peter Francis Geraci Law Offices for their professionalism and non-judgmental attitudes as they worked collectively to solve the problems of their clients. I would like to personally thank my lawyer, Ashley N. Chike, who always responded in a timely and professional manner.”

January 13, 2017:  “I saw commercials about PFG and decided to give them a call. They have been very helpful through the process of getting things started for me and setting me more at ease. I would recommend them to my friends and family if they were ever in this position of financial trouble.”

January 11, 2017:  “I met with Wylie and Lizette at the Cicero office and they were both wonderful. They made the process EASY and answered all of my questions and took great care of me”

January 11, 2017:  “The legal team at Peter Francis Geraci Law firm have been extremely helpful during this stressful time. At no time did they make me feel like a bad person and I appreciated that. I need the help and they are great to work with during this process.”

 

The consumer Financial Protection Bureau (CFPB) reports, “one-in-four consumers contacted by debt collectors felt threatened” and more than 40 percent of consumers asked debt collectors to stop contacting them.

Debt collection is a common practice.  More than 6,000 debt collection firms operate in the United States.  When a person defaults on either a bank loan, payday loan, medical bill or other debt, the lender of the debt can sell the debt to a third party.  The lender will typically sell the debt for pennies on the dollar to receive some return on the debt.

Debt collectors are required to stop contacting debtors upon proper request.  Unfortunately, 75% of consumers continue to be harassed after requesting the debt collector stop contacting them.  The CFPB also reported consumers are contacted at hours as late as 9PM and early as 8AM, which is prohibited by the Fair Debt Collection Practices Act.

None of CFPB’s reports is news to Geraci Law.  One of the main motivators, for Geraci Law clients, is creditor harassment.  Clients report payday loan places threatening them over the phone, calls during work hours, and creditors contacting a client’s supervisor.  Why?  Because collection agencies have a history of being nasty and not following Fair Debt Collection Practices.

Approximately 15% of individuals, contacted by a debt collection agency, end up being sued.  The CFPB reports 75 percent of the sued individuals do not attend court.  As a result, the court puts a default judgment against the consumer.  The consumer’s wages can be garnished up to an allotted percentage of their income.

Geraci Law knows how to stop creditor harassment and wage garnishments.  With more than 40 years of consumer finance experience, Geraci Law L.L.C. has helped over 150,000 people obtain financial freedom.

The CFPB’s report is available on their site at: http://files.consumerfinance.gov/f/documents/201701_cfpb_Debt-Collection-Survey-Report.pdf

January 14, 2017: “I chose Geraci law because they’ve the best reviews for my situation. They’ve been very helpful in the process from beginning to end and I highly recommend them for chapter 7 or 13 representation.”

January 12, 2017: “Back in October of 2011 I went to see attorney Brent Berning at the Geraci Law office on Mayfair Road in Wauwatosa Wisconsin. I was obviously very nervous and upset about my situation and from the minute I sat down Mr. Berning put me right at ease.

This whole experience was more than I could have hoped for. There have been absolutely no glitches and Gerace Law has kept me informed throughout the whole process. If I had a question I could easily use their online website as a regisered user to submit my questions. The responses I got were almost immediate and very professional.

I would definitely recommend Geraci Law to friends and family!”

January 12, 2017: “From the first conversation to actually meeting an attorney I was pleasurable. David out of the Berwyn, Il location is very humble and very understanding. I would recommend him and the company to anyone that’s considering filing and don’t know where to start”

Peter Francis Geraci & Geraci Law Bankruptcy and Injury Attorneys received the “Client’s Choice” award from AVVO. After earning over 400 reviews, AVVO selected Peter Francis Geraci Law Bankruptcy and Injury Attorneys for the “Client’s Choice Award.”  In addition to being the 2017 “Client’s Choice,” Peter Francis Geraci has a superb 9.4 out of 10 ranking with AVVO. Mr. Geraci also has 64 “Attorney Endorsements.”

This award is an indication of Peter Francis Geraci’s and Geraci Law L.L.C.’s commitment to serving clients. The law firm is open six days a week and provides both convenient office locations and hours to clients. Mr. Geraci is a staunch advocate for consumers and an active trial lawyer. Mr. Geraci’s work has helped over 100,000 clients.

In addition to the law practice, Mr. Geraci also focuses on attorney education. Geraci Law is a certified provider of continuing legal education by the MCLE board of the Supreme Court. Geraci Law presents at least 30 classroom hours of high-level education to lawyers every year.

Peter Francis Geraci has been practicing law for over 40 years. Mr. Geraci’s law firm,
formerly known as the Law Offices of Peter Francis Geraci, was founded in 1977. The law firm has evolved from a general practice firm, to a multi-state law firm concentrating in consumer bankruptcy and injury with approximately 30 offices in Illinois, Indiana, and Wisconsin. All attorneys and staff subscribe to the firm’s mission statement, “Nice people doing nice things for nice people.”

The Geraci Law mission has helped Peter Francis Geraci and Geraci Law L.L.C. regularly receive client reviews. Geraci Law L.L.C. has over 1,000 BBB reviews and an A+ rating. Geraci Law L.L.C. also has more than 1,000 Google+ Reviews.
You can view more information, and reviews, about Peter Francis Geraci J.D. and Geraci Law L.L.C. on the website http://www.infotapes.com.

The Consumer Financial Protection Bureau Orders TransUnion and Equifax to pay for deceptive practices in marketing credit scores.  TransUnion and Equifax violated the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act.  The violations occurred because of deception.  Transunion and Equifax advertised that the scores they sold to consumers were the same scores lenders used to make lending decisions.

Both credit-reporting agencies also used deceptive tactics by enrolling consumers into “free credit monitoring.”  However, “free” only lasted for 30 days and consumers paid monthly for a subscription service.  Consumers, who did not services cancel during the 30 day monitoring period, were charged each month.

Equifax also violated the Fair Credit Reporting Act (FCRA).  According the FCRA, a credit bureau is required to furnish a free credit report to a consumer once every 12 months.  Before receiving their free credit report, Equifax advertised on AnnualCreditReport.com.  Advertising, when a consumer receives their free report, is prohibited.

Because of the deceptive practices, TransUnion and Equifax Must:

1. Pay more than 17.6 million in total restitution to harmed consumers.
2. Truthfully represent the usefulness of credit scores it sells.
3. Obtain the express informed consent of consumers before enrolling them in credit-related products.
4. Provide an easy way to cancel services for credit-related products.
5. Pay 5.5 million in total penalties to the Bureaus’ civil penalty fund

You can view the consent order, in it’s entirety here: http://files.consumerfinance.gov/f/documents/201701_cfpb_Transunion-consent-order.pdf

December 30, 2016: “I was recommended by attorney friend to seek out help for a judgement that had turned into a very expensive garnishment that I was not able to afford. I met with Attorney Lizette ********, and from the beginning, she was extremely knowledgeable, professional. She provided me clear and concise information and she was forthright with information pertaining to my case. Having financial problems is always stressful, however Geraci’s staff–in particular Attorney ********, provided me with the necessary information that I needed to make an informed decision about my financial situation. I am very pleased with the services that I have received.”

December 30, 2016: “The service was great. Spoke with Wylie and helped me and my boyfriend file with no problem. I would recommend him and this place to anyone.”

December 30, 2016: “I want to give a great experience I had with Geraci Law firm. They not only helped me get my bankruptcy case filed. They even went over and beyond what I would expected. All the staff is friendly and helpful answering questions. When I even needed a letter written to a business they wrote in. Thank you Geraci Law”

Read More Geraci Law Reviews:

https://www.bbb.org/chicago/business-reviews/attorneys-and-lawyers/peter-francis-geraci-law-llc-in-chicago-il-36000434/reviews-and-complaints

https://www.bbb.org/wisconsin/business-reviews/attorneys-and-lawyers-bankruptcy-and-taxes/peter-francis-geraci-in-milwaukee-wi-4019438

December 30, 2016: “I want to thank Juan and Tarek for this smooth transition. They have been a big help and making sure to answer all my concerns about bankruptcy. Thank you guys!”

December 28, 2016: “I would definitely recommend Frank and the attorneys at Geraci. They helped me get out of debt and I am very happy I can start my life over now.”

December 28, 2016:  “We love Geraci law all of the lawyers/attorneys and staff are very understanding and they explained everything clearly to the client including the process and what’s going to happen next. Keep it up.”

December 28, 2016: “was very professional and made me feel comfortable when explaining information. would recommend others to this office and Mr. Joseph M. D’Onofrio”