Beverages & Budgeting

Grab a cold or hot beverage of your choosing, sit down and work on the budget this weekend.

It’s been a few months since the last Beverages & Budgeting post. Grab a cold or hot beverage of your choosing, sit down and work on the budget this weekend.

With inflation affecting everyone, it’s important to revisit the household budget. Think about what you are spending on credit card minimums only to use the credit card for your household expenses. Instead you could be using the minimum payment for groceries, gas or to start saving for retirement (check out https://www.infotapes.com/articles/news/105/bankruptcy-can-help-you-plan-for-retirement)

Geraci Law has GREAT budgeting form to get a start on a budget. You will see suggested amounts. Print off a recent bank statement and see just where your money is going. Need help? Struggling with payments? We’re a phone call away at 800 CALL PFG (800.225.5734).

Budgeting form available below or @ https://www.infotapes.com/content/forms/MonthlyBudget.pdf

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 35,000 5-star reviews since November 2016!

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

Beverages & Budgeting

It may be time to rethink your plan. Use Geraci Law budget as a guide. If you are worried about the amount you are paying toward debt – Geraci Law is here for you.

Inflation is causing everyone to relook at the budget. Where to start? Where to begin? You can only eliminate cable once so where is there give? Look at your monthly expenses, write them down. Are the payments you worked out to “settle” or “consolidate” MORE than you are spending on food, utilities? Has the agency you hired settled anything? Are you being sued despite being enrolled in this program?

It may be time to rethink your plan. Use Geraci Law budget as a guide. If you are worried about the amount you are paying toward debt – Geraci Law is here for you. We’re happy to review your budget and options to see if there’s a BETTER solution.

Fillable PDF @ https://www.infotapes.com/Content/Forms/ExpenseFormFillable.pdf

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

Beverages & Budgeting

Beverages & Budgeting – grab a drink and let’s take a look at your monthly expenses, let’s see if Geraci Law can help!

Grab a cold one or a warm one and watch Attorney Peter Francis Geraci’s video on budgeting. Weekends are a great time to sit down with the bills over a iced or warm beverage!

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

Geraci Law Open in Royal Oak, Michigan

Geraci Law helping the entire state of Michigan – see Attorney Jason Kara and Rob Brynjelsen’s visit to Royal Oak!

Geraci Law is handling Chapter 7 bankruptcy cases across the entire state of Michigan! We have an office right in downtown Royal Oak. You can meet with Attorney Jason Kara or Attorney Rob Brynjelsen.

You can call us at 800 CALL PFG for a free phone consult, schedule online @ https://www.infotapes.com/Bankruptcy/OfficeLocator

Attorney Jason Kara

Attorney Rob Brynjelsen

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Beverages & Budgeting!

Beverages & Budgeting – take a look at your monthly expenses, let’s see if Geraci Law can help!

School is starting, the weather is changing – it’s almost time for Football. So let’s take advantage of a nice weekend and think about finances.

Geraci Law has the tools to help! It does not matter if you are trying to figure out a savings plan or if it’s time to take a good hard look at what your expenses are. If you are seeing on the monthly budget that you are operating in the negative – it might be time to realign.

So pick out your favorite cold one, grab a calculator (there’s one on your iPhone) and let’s figure out your budget!

Check out below. You can fill in your monthly expenses. Take note – your Starbucks coffee (a beverage part of budgeting) should list under Entertainment. Tip: go to your bank account and look how much you are spending each month.

Next – let’s take a look at your income. You can use this as a guide! Tip: if you are paid salary, use one paycheck since your income does not change. If you are paid hourly, take the average of the last 3 months.

After that, take the amount in TOTAL MONTHLY INCOME and subtract from your Total from the monthly expense worksheet….

THIS is your disposable income – it’s the amount you have left at the end of the month to either save or spend.

When you have debt including credit cards, Pay Day loans, medical bills (note bill NOT expense) the minimum payment is substracted from your disposable income NOT from your expenses.

If the amount is high and you are not paying DOWN the balance on the debt, reexamine the budget. Go back to the disposable income amount – if you eliminate the debt payment, this is the money that goes back to YOU.

If you have $1,000 in disposable income every month and are paying $1,000 in minimum payments – if you are then using your credit card to pay the monthly expenses (from the first worksheet) your plan is NOT working.

Instead if you account for the monthly expenses where you can pay for the bill without relying on credit, you have disposable income to put into a savings account. $1,000 per month for 12 months is $12,000 an amazing start to retirement, paying for college, down payment on a home, etc.

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

How to Find the Best Bankruptcy Attorney for a Reasonable Fee

Why pay the same and not get the name?

Below is an article written by Attorney Peter Francis Geraci. Read this and more at https://www.infotapes.com/Articles.

Here is an “unknown” attorney advertising for bankruptcy on Google Local Leads. Know that when choosing a lawyer, there are BIG differences! Anyone with $10 can put up a Google Ad. This person looks nice, but is

a. a one person shop

b. less than 20 reviews and other ratings not good

c. claims to have 5 office locations sure, how when you are 1 person?

d. Licensed for over 10 years but nothing to tell where, no CV on website. (sure sign of trouble)

e. lists a cell phone for an office phone

f. claims to answer every call in person! and text. must be very busy. or not.

g. apparently just blew into town? claims to have experience but no clue where

h. only speaks English

f. LICENSE? one revoked, probably abandoned, just resigned another, only remaining license just “updated”. no mention of federal court admission which is required for bankruptcy law. Probably has a federal license, but kind of sloppy not to mention it.

So, you pick this ADVERTISEMENT? why? because you have an inferiority complex, you don’t know how to select an attorney, you think you are going to “get a cheap lawyer” for a 50 page federal bankruptcy filing to eliminate 40,000 in debt and get experienced advice?

Then you find out that ALL LAWYERS CHARGE ABOUT THE SAME, MOST EXACTLY THE SAME, for Chapter 13, and within a couple hundred of each other for Chapter 7, depending on the type of Chapter 7, and there are over 15 types!

Seems to me this attorney is one step away from bankruptcy, totally unknown, working out of a basement, instead of 100 attorneys and staff, 500 years of combined experience, 40,000 FIVE STAR REVIEWS, real offices, Client Corner portal, PFG Debtor Education, and more!

We don’t like to “sell against the competition” but they sure like to do it to us….paper does not refuse ink, and Google doesn’t refuse paid ads!

Be careful. Why? Rumor has it that that attorneys FIRED from law firms for making phony entries about client matters, or just plain incompetence, or hiding their past, end up as solo practitioners, legends in their own mind.

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

Happy Thanksgiving from Geraci Law!

Have a VERY Happy Thanksgiving from All at Geraci Law. If you need us, call us at 800 CALL PFG (800.225.5734).

Have a VERY Happy Thanksgiving from All at Geraci Law. If you need us, call us at 800 CALL PFG (800.225.5734) We are open on Friday and Saturday for calls.

Great information at www.infotapes.com – you can learn about Geraci Law, bankruptcy, debt consolidation, and MORE!

New Infotapes are released – check them out at here!

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

Better Credit Scores After Bankruptcy

A study by Harvard and the Federal Reserve found people who FILE for bankruptcy are generally in a better position financially with access to better credit than people who do NOT file an attempt to slowly pay down bills.

That’s right folks, filing a bankruptcy can be a GOOD thing. You eliminate your obligation to the balances with the opportunity to REBUILD. According to the Federal Reserve,

“[people who file bankruptcy] experience a sharp boost in their credit score after bankruptcy, whereas credit scores recover at a much slower pace for individuals who remain [in debt]. The credit score of bankrupt individuals exceeds the credit score of insolvent individuals by 40-80 points. In addition, those who go bankrupt open new unsecured accounts post-bankruptcy at a higher rate (by around 15 percentage points) than those who don’t file bankruptcy, while the number of inquiries is very similar across the two groups. This indicates a difference in access to credit, not demand for credit. [The Federal reserve] conclude[ed] from this evidence that the ability to file for Chapter 7 bankruptcy is associated with better access to credit, and while both insolvency and bankruptcy are forms of default, the debt discharge associated with bankruptcy leaves filers in a better financial position than individuals who become insolvent in similar circumstances.”

So your credit score could increase by 40-80 points! The money you are spending slow paying the minimums is money you can start SAVING or using to pay for essentials like groceries and gas instead of relying on the credit.

It’s not time to wait. It’s time to handle your debt once and for all. Geraci Law is here for you. We’re happy to meet with you in office or virtually. It’s time to decide if you are ready to be DEBT FREE with a higher credit score and fresh start to reach your credit goals.

Read entire study here https://scholar.harvard.edu/files/pgoldsmithpinkham/files/dgy_bankruptcy.pdf

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

Helpful Links & Resources

Geraci Law updates our site constantly with useful tools about debt, budgeting and education.

Helpful Links & Resources

Geraci Law wants to be a resource to anyone in debt, learning how to budget or wanting to learn more about finances or bankruptcy. There’s a lot of information out there – go with the firm you know and trust.

Check out https://www.infotapes.com/Links for information. We are constantly updating with new links. If you have questions or need a listening ear, give us a call at 800 CALL PFG. It’s free!

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

Have a GREAT & SAFE Weekend!

Have a great weekend – don’t let debt ruin your Saturdays, let Geraci Law help you come up with a financial plan!

Have a GREAT & SAFE Weekend!

Don’t let debt ruin your future Saturdays. Come up with a financial plan this weekend! Start with a budget – you can use Geraci Law’s FREE budget guide.

If you have more debt than income, if you are using credit to pay for living expenses – it might be time for a new plan. Call us – we’re here to help.

Looking for more information?

Check out links below:

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

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Attorney Jason Kara

Attorney Rob Brynjelsen

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Helpful Links & Resources

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Have a GREAT & SAFE Weekend!

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