Author: John Senese

December 6, 2016: “Everything went as smooth as possible. All my questions were promptly answered and I was always treated with respect which is a HUGE plus for me! Thank you all so much for your dedication and time put into working with me and helping me towards a brighter future!”

December 6, 2016: “I have had an excellent experience with your law firm. I am pleased to say that the attorney handling my case has done a fabulous job in guiding me through what all bankruptcy entails . She has been very assertive in helping me gather information from home work etc. to help speed up this process for I am no guru in electronics nor the internet. If I ever hear of anyone ever in the near future trying to claim Bankruptcy I am sure to send them to this Law Firm…”

December 6, 2016: “I have nothing but positive feedback to give on Geraci Law, LLC. They have been very informative throughout the entire filing process. I have received responses to questions almost immediately and the information given has been very complete and easy for me to follow up.”

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

 

December 2, 2016: “I was a little scared and nervous to file bankruptcy but after I did a free consultation with attorney Mario ******* at the Evergreen Park location… He was so informative… About the difference in a Chapter 7 and 13….How each one works…It help to ease my gitters….I recommend anyone who may be going through a few financial down’s can’t see anyway out of a debt situation to come and check out the marvelous staff at Peter Francis Geraci in Evergreen Park…Such a friendly group of people… Thank you all so much”

December 1, 2016: “We met with Wylie at the office on Cicero and he was very helpful. We felt much better after meeting with him. Our stress level dropped a MILLION percent now that we are debt free. He took the time to solve all our problems. I would HIGHLY recommend Geraci Law to anyone who needs helps with their bills.”

November 30, 2016: “I am satisfied with the service it couldn’t have gone better they were able to work with me and I am happy and feel satisfied with the friendly service the attorney explained everything in detail so I understood .I am thankful I was able to relief my debt with Geraci .”

November 29, 2016: “My recent visit to Geraci Law was not only helpful but educational. Jason ******** my attorney, was very professional and help me through my Chapter 13 Bankruptcy. I highly recommend Jason, if you want to file.”

See More Peter Francis Geraci Law Reviews by clicking here: 

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

December 2, 2016: “Jonathan and Nick were so nice! This was so much easier than I ever thought it could be. The hardest part was walking through the door! I’m telling everyone I know who needs help about these guys!”

December 2, 2016: “I want to pass on that although filing bankruptcy, I was respected and treated friendly though-out the process. I would have no problem referring Erik M. Dickinson, Chad Garrapy and Geraci Law to anyone I know in the same position as were are in. I would like to add that with the way were treated my wife and I left with our dignity. Respectfully, W.M.”

December 1, 2016: “The service has been wonderful. From when I called to first start to now that we are almost done has been great. This was a big decision and not something that we planned on doing. We were treated with respect and not judged. I would recommend this law firm to anyone in need of this service.”

December 1, 2016: “Very nice experience. We were pleased with the way our case was handled and the way they made us feel. Very helpful and courteous. We would recommend to other people.”

November 29, 2016: “I spent many days and nights agonizing over how I was going to bounce back from the loss of childcare. The answer was Geraci Law Firm and the knowledgeable lawyer that helped me see that bankruptcy could be a good thing. It allows you to breathe while you recover… thank you Tarek M. Khalil, Attorney at Law.”

December 5, 2016: “gave is BBB reviewRVBBB: I walked in and was immediately greeted by the paralegal Venus Peters who was very nice and helpful then I met with attorney Mario Arreola who was very helpful and nice answered all my questions and made sure to tell me everything I needed to know about chapter 7 and chapter 13 I left feeling relieved and stress free.”

December 5, 2016: “I worked with Lizette Villegas on my case.  She was exceedingly helpful, kind, and very intellectually informed on all subject matters pertaining to my case.  I would absolutely recommend people seek her when they’re in need.  Life is difficult enough, allow her to ease your stress.”

December 5, 2016: “I found Mr. Khalil, Mr. Villalpando, and the entire staff at P.F.G to be extremely professional and very caring regarding my situation. I was treated with respect and understanding and highly recommend to anyone who would seek financial relief and assistance.”

December 5, 2016: “Friendly staff and courteous, the cost is high considering I’m a single mother of two, also when I inquired at this office my second meeting about the credit counseling  fee being waived I was told I had to not have any income. But I found out with the second credit Counseling online that I possibly qualified so my second Dee was waived.  Thanks”

Geraci Law is a well‐established law practice with over 100 staff and Associates, and over 10,000 new clients every year. “We have almost 30,000 open files at any given time, and handle over 400,000 phone calls, with an equal number of electronic contacts” said founding member attorney Peter Francis Geraci.

Geraci Law used to use email heavily. However, in recent years, the danger of malware invading a company’s computer system has increased. Geraci Law experienced two different incidents of employees opening email attachments, which resulted in the individual CPU becoming a robot, and starting to encrypt files to hold them hostage for ransom payments. Through the use of monitoring software, the unusual CPU activity of the attacked computer was detected within minutes, so that the attacked was neutralized. The firm decided to act promptly to prevent future attacks.

“We have always been a leader in software development for contact management and law office practice management”, said Mr. Geraci. “So we decided to be very proactive when faced with these new electronic threats.”

The solution was to bar use of email, whether Outlook or Gmail, incoming or outgoing, and most situations. This required creation of a client portal, which Geraci Law called client corner. This provides a secure portal for clients to communicate. No email is necessary: all the client needs is an Internet connection and a cell phone. Clients may upload documents, or even simply snap a photo of a document on their cell phone and upload that.

Since the portal is secure, there is no danger of an attachment containing malware entering the Geraci Law system.

Mr. Geraci also found that texting clients is far superior to use of email, since even clients who claim they have email don’t bother to check it. Everyone, Geraci said, now has a smart phone.

There are very few integrated contact manager software systems available commercially, and Geraci said that he has found none that suit the firm’s needs. “Most are very primitive, hard to use, and are either single purpose systems, or failed to integrate accounting, scheduling, contact management, document processing, ease‐of‐use, human resources, intranet, VoIP integration, and the other modules of a successful contact management system”

The proprietary Geraci Law product, called GapNet, (for Geraci Automated Process) is not available, and is currently protected as a trade secret. “It would give another law firm to grade a competitive advantage to make the product commercially available at this point”, Geraci said, “but we are working toward a revised product that would be a breakthrough in client contact management software.”

While various cloud‐based products are becoming more and more popular, Geraci Law maintains its own servers, as well as its own off‐site backup. “We hope to continue the success of our law firm, with the cutting‐edge work of our IT team, and to continue delivering high quality legal services at the lowest cost, through innovative technical achievements” said Geraci.

 

November 29, 2016: “We met with Brent Berning at the Mayfair office. He was very helpful and answered all our questions. If he wasn’t available when we called with questions, any of the attorneys that answered the phone were able to help us with our case. Robert Crowley was with us at the meeting of creditors and was also very helpful. I would highly recommend them to anyone!”

November 29, 2016: “I found myself in a situation I never, ever thought I would find myself in–having to file bankruptcy. I have worked hard all my life and have ALWAYS paid my bills. Then I found myself needing to move back to WI due to family health issues, leaving my job and my home out of state. A year later, my house has not sold and and I found myself supporting that household and my household here in WI and then out of a job for a period of time. I didn’t know what to do. A family member suggested investigating the possibility of filing bankruptcy. I never, ever thought I would need to do that and was embarrassed to even consider the possibility. I was afraid to even go into the office for the consult. I met with Kathryn MacKenzie, Attorney At Law, for my consult. She was very professional. She explained in detail the different bankruptcy options (Chapter 7 vs Chapter 13), how the process works for each type, and answered all my questions, all the while making me feel very much at ease. She never made me feel embarrassed. She empowered me by giving me the necessary information so I could make an informed decision about moving forward.”

November 28, 2016: “I was in rough situation. So, I contacted Geraci Law. They helped me set up the process. Over the course of my chapter 13, if I had any questions or concerns, I called and professional and polite attorney answered all my questions. I would recommend to a friend or family member. Thank you!! “

 

 

Nov 20, 2016: “Before initial consolation I felt apprehension or unsure, after initial consolation I felt at ease of having made the right decision.During the process any in formation requested was always available.After the case was closed, I felt grateful and relived that the debt was paid.”

Nov 17, 16:  “I would like to thank attorneys Mark & Ashley for their professionalism and compassion when dealing with my financial crisis. I had two appointments and by the end of the second appointment all my necessary paperwork had been filed, all my questions answered and the weight of the world lifted off my shoulders! 

November 16, 2016: “We contacted your office to do a bankruptcy for myself and my wife. You were very courteous and explained our options. We settled for chapter 13 bankruptcy covering 5 years of payments to our creditors per our trustee instructions. Our 5 years are up. We never applied for another credit card after our filing. We only use checks and a debit card. During our bankruptcy, other lawyers in your office were very courteous and helpful with any problems, when you were unavailable, and questions during the 5 years. Your online client corner is very helpful also. I would reccommend you to anyone for financial problems. Thank you.”

November 16, 2016: “Our experience with our attorney through Geraci law firm was excellent. We were happy with the communication we had and the payments to the court were acceptable for our budget. Thank you for all your hard work!”

November 10, 2016: “My wife and I were born during the Baby Boomer generation. My wife retired a few years ago and has had lots of health issues that came with overwhelming medical bills. I’m still working and hope to retire soon. I also have health issues and lots of medical bills. 

The United States is unique in the world as to its bankruptcy laws. No other country gives its ordinary citizens the ability to start fresh, without debt, without stripping them of almost all their possessions. Bankruptcy is a biblical law. Its origins are in Deuteronomy 15:1-2 “At the end of every seven years you shall grant a release. And this is the manner of the release: every creditor shall release what he has lent to his neighbor. He shall not exact it of his neighbor, his brother, because the Lord’s release has been proclaimed. The Old Testament is also pretty harsh on lending money with interest: Lends at interest, and takes profit; shall he then live? He shall not live. He has done all these abominations; he shall surely die; his blood shall be upon himself. Ezekiel 18:13.

Attorney Peter Francis Geraci is one of the top experts on bankruptcy law in the United States. His law firm manages over 1.2 billion in debt a year under chapter 7 or 13 of the United States bankruptcy code, under which individuals may either discharge or repay their debts. Geraci Law limits its practice to only three states, in the Midwest, Illinois Indiana and Wisconsin, but files about 1.8% of the bankruptcies filed in the entire United States.

Many people who fled to the New World were escaping debtor’s prisons. The debtor’s prison and London was dug under the bed of the river Thames, so that it was constantly wet and dripping water, and the debtors were trapped by iron grates in the muddy caverns. Oglethorpe founded the colony of Georgia as a haven from debt, but other colonies such as Pennsylvania, owned by the Duke of York, had harsh debtor laws.

After independence, with the later the signing of the US Constitution in 1787, the concept of ability to free oneself from debt, without horrible repercussions, became enshrined in American law. The U.S. Constitution provides that Congress shall make uniform laws relating to bankruptcy. Article 2 section 8. At various times, Congress did not get around to making bankruptcy laws, and made them only in response to economic crises, such as currency failure caused by state bank failures in 1842. However since 1898, the United States has had a uniform bankruptcy law continuously.

In 2016, about 800,000 individuals filed to either discharge or reorganize their debt. That is less than two out of every thousand and the population of over 360 million. So it is proof that having a bankruptcy law does not affect the economy, jeopardize creditors’ rights, or have anything but a beneficial effect. Those countries that keep their citizens and that, or worse yet, provide no way to borrow unless there is absolutely no risk to the creditor, often find a great disparity between the assets of the great majority of the population, and those of the wealthy elite. Since the United States tightened up its bankruptcy laws, in 1978, and again in 2005, United States is also seen a greater disparity between the rich and the poor.

Geraci Law has been in existence since 1977, starting as a solo practice, and growing to more than 70 attorneys today. Its motto is” changing your life for the better” and that is exactly what the bankruptcy law the United States is designed to do. Geraci Law has been one of the leaders in law firm administration software, having full-time programmers on staff coding in creating proprietary software to manage its multi-office, multi-attorney law practice. Although the practice of bankruptcy law does lend itself to computerization, proprietary algorithms created by attorney Peter Francis Geraci that are embedded in the software, allow the law firm’s management to produce quality legal services at a low cost. Recently, Geraci Law instituted a program to eliminate email, and the attendant virus and denial of service attacks that come with using email, with its proprietary client corner portal, on its websites www.infotapes.com and www.elimAdebt.com.