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 since 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.

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.

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.

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.

Geraci Law Virtual Meetings

Geraci Law is handling meetings remotely. We make the process hassle-free. You do not need a computer – a cell phone will work for a virtual consultation!

Geraci Law Virtual Meetings

Geraci Law is working remotely and ready to help! Below are attorney meetings being conducted remotely. You do NOT need a computer to do a video meeting! A cell phone with a web camera works great.

If you schedule an appointment, we send you a link. All you have to do is click on the link to open up the FREE consultation with an experienced Geraci Law attorney. It’s really that easy.

Geraci Law Milwaukee & Racine Wisconsin Attorneys from the top, right to left – Attorney Rob Brynjelsen, Attorney Ann Kramer, Attorney Felicia Petroff, Attorney Kathryn MacKenzie, Attorney Andy Golanowski, Attorney Brent Berning, Attorney Joseph Blaha, Attorney Abraham Pinon, Attorney Robert Crowley, Attorney Peter Francis Geraci, Attorney Lisa Ellmaurer

Geraci Law Indianapolis & Muncie Indiana Attorneys from the top, right to left – Attorney Rob Brynjelsen, Attorney Erik Dickinson, Attorney Lacey Faul, Attorney Bridget Spears, Attorney Robert (Bob) Fine, Attorney Peter Francis Geraci, Attorney Anthony Shull, Attorney Chad Garrapy, Attorney Patrick McNulty

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.

Questions? Geraci Law Has Answers.

Geraci Law is a bankruptcy law firm ready to answer YOUR questions about finances.

Financial help can be hard to find. Reliable financial help is an even MORE difficult search. When you have questions – where do you go for answers? A google search will provide answers but you have no idea if those answers are from a reliable source.

Geraci Law CAN be that resource to you. With over 35 years of bankruptcy experience, Geraci Law has seen it all. Our experienced staff can help answer your questions. If we can help you – you can expect nothing but EXCEPTIONAL service.

If we cannot help you, we will give you alternative options. You do not hire a single attorney but an entire law firm to advocate for and represent you.

Worried about the word bankruptcy? You should not be. Bankruptcy can change your life for the BETTER. Filing a Chapter 7 can:

ELIMINATE debt
KEEP your house
KEEP your car
KEEP your retirement

After a Chapter 7 is discharged, you are debt free and on a path to IMPROVING your credit. Meeting with a Geraci Law attorney can help determine what makes the most sense for you and your family.

The best part? You get world class service and pay the same. Almost ALL bankruptcy fees are the same.

You will NOT speak to a voicemail but a live person.
Appointments are with ATTORNEYS
You are represented from START to FINISH!
Access to Client Corner – Geraci Law exclusive portal for clients to review and see the status of their case.

If you have questions – we have answers. You can either call us at 800 CALL PFG or you can schedule a free meeting online with an experienced Geraci Law attorney. Let Geraci Law help you clear the confusion. A free consultation is hassle-free and could be the first step to your financial future.

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.

NYT Article Bankruptcy Now, Not Later

Geraci Law is a bankruptcy firm ready to help you NOW and not later. Read New York Times article to learn more about bankruptcy.

In a recent piece published in the New York Times, the advice is to NOT wait to speak with a bankruptcy attorney. If you are struggling with the debt, if you are living paycheck to paycheck – it might be time to stop throwing good money at bad debt.

Geraci Law does FREE consultations to review your options. You will ONLY meet with an attorney and we will try to determine your path to becoming debt free.

It’s a powerful tool to SAVE money instead of relying on high interest credit cards. Bankruptcy could be your first step to achieving that goal.

You can read the rest of the article at https://www.nytimes.com/aponline/2020/05/04/business/ap-nerdwallet-liz-weston-consider-bankruptcy-now.html

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.

Geraci Law Evergreen Park

Geraci Law Evergreen Park has an updated look! Give us a call to talk about your bankruptcy options at 800 CALL PFG.

Geraci Law is located at 3560 W 95th Street in Evergreen Park. We’re approximately two minutes west of Western Avenue at the north side of 95th and Central Park Avenue. There’s a HUGE parking lot available so you do not need to worry about parking.

We updated the outside of Evergreen Park so it’s EASY to see from the street. Currently we are only meeting with clients via video and phone. In the future, we would love to see you in person on 95th. Until then, stay safe!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.

FAQs about Debt & COVID 19

Geraci Law answers questions about debt during COVID 19.

FAQs about Debt & COVID 19

Geraci Law wants to help you answer questions about debt and collections because of the uncertainty surrounding COVID-19. Reviewing your financial situation with an experienced bankruptcy firm (like Geraci Law) is almost a GREAT idea if you are struggling financially.

Are the bankruptcy courts open?

Yes but there are are no in-person meetings. BUT, we are able to file Chapter 7 and Chapter 13 bankruptcy petitions to get the automatic stay protection. The courts are still processing filed petitions. There is no delay in case filing. Oftentimes Geraci Law can file a case the same or next day.

Can bill collectors sue me when courts reopen?

ABSOLUTELY. Governor J.B. Pritzer suspended summons service so creditors cannot serve a garnishment or citation to discover assets. Most collection agencies and finance companies are put on hold during COVID-19. Once the order ends – collectors can start to sue, garnish, and collect. Filing a bankruptcy NOW stops the future collection.

Are Geraci Law offices open?

Yes and no. Yes Geraci Law is open and ready to help. No, the physical locations are not open to protect our staff and clients. We can meet with you via phone or video. It’s the same great service – just virtually. You can schedule online at https://www.infotapes.com/Bankruptcy/OfficeLocator. All you need is a smart phone!

Where can I find more information about finances during COVID-19?

Geraci Law wants to be a resource to everyone. A great place to look is at https://www.infotapes.com/Links this includes information about debt, education, job fairs and other important resources.

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

IL Governor Suspends Service of Garnishment Summonses

Illinois Governor J.B. Pritzker suspends the service of wage deduction and garnishment summonses. What this means for you and why bankruptcy with Geraci Law might be a great option.

IL Governor Suspends Service of Garnishment Summonses

Governor J.B. Pritzker issued an executive order suspending the service of garnishment summonses, wage deduction summonses and citations to discover assets for consumers. This suspension is for the duration of the Gubernatorial Disaster Proclamation.

This means creditors in ILLINOIS cannot serve wage garnishment summons. It’s important to understand this is TEMPORARY. During COVID-19, the creditors are kept at bay. But creditors will be able to collect in the future. Plan for YOUR future. Consider your bankruptcy options now. Stop the creditor action before it even starts (or resumes).

Governor Pritzker has your back for now but when the suspension is lifted, these creditors WILL be back. Filing a Chapter 7 or a Chapter 13 will STOP the collections. Want to know your options? Geraci Law is open and filing bankruptcy cases. Give us a call to figure out a plan for your financial future.

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

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.

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Geraci Law Offices Opening Safely SOON

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Credit Concern? Call Geraci Law!

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5 Chapter 7 Common Questions

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Geraci Law Virtual Meetings

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FAQs about Debt & COVID 19

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IL Governor Suspends Service of Garnishment Summonses

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Geraci Law is Here to Help

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