Geraci Law Reviews

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

Geraci Law Reviews

CHKAttorney Ashley Chike

“Honestly, filing Bankruptcy was our last option. We tried to consolidate, shuffle balances, make minimum payments, but we were drowning. We felt shame and embarrassment for even contacting the PFG law firm. After our initial consultation with Ashley, we were at ease and as the process progressed all of those feelings disappeared. Ashley Chike is the combination of understanding, organized, extremely knowledgeable and honest we needed. She is completely upfront with the path we were about to take, what our expectations as clients were, her expectations as an attorney and how to proceed. What sets her apart is, her compassion and understanding she conveyed. We didn’t feel shame, we felt understood. We didn’t feel like another client, we felt like she looked at as people with financial problems that needed help. And the cherry on top is her knowledge, she knows the laws and helped us navigate through it all. We had the utmost confidence in her ability to help us! I can not recommend Ashley Chike enough. Many thanks to Ashley for helping us, we are grateful.”

MEZAttorney Ricardo Gomez

“Vine a esta oficina con el abogado Ricardo Gomez, estoy tan feliz porque habla espa??ol me atendi?? muy bien lo recomiendo es un abogado maravilloso muy amable”

 

 

FCHAttorney Frank Hernandez

“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”

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.

This Fourth – Be DEBT Free!

Happy Fourth of July from Geraci Law! If you want to be debt free – give us a call to review your options!

This Fourth – Be DEBT Free!

Let this be your year to be free of debt. We’re here for you. If you are thinking about debt or finances over the long weekend – check out our web site. There’s a tremendous amount of information and options.

Want to talk? We’re here at 800 CALL PFG.

Want to meet with an attorney? Schedule ONLINE https://www.infotapes.com/Bankruptcy/OfficeLocator

 

If Not Now, When?

Make the first step to improve your financial future. Simple as 800 CALL PFG!

Make this year be the year you become debt free. Geraci Law offers FREE consultations – we can meet with you via video at a local office.

If you have more than $5,000 of debt in any or all of these categories, Geraci Law can probably help you:

Lawsuits • Garnishments • Wage Deductions • Foreclosures • Sheriff Sales • Mortgage Behind • Tax Debt • Credit Cards • Medical Debt • Car payment behind • Repossessions • Parking Tickets • Suspended License • Gas or Electric Shutoffs • Bill Collector Calls • Payday Loans • Cash advance problems • Car payment behind • Chicago Parking Tickets

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.

When Should I File For Bankruptcy?

Is now the time to file for bankruptcy? Take our free survey, call us if you need debt help!

When Should I File for Bankruptcy?

Take the FREE survey below. To find out if NOW is the time to get out of debt. If more than 3 apply to you, call us at 800 CALL PFG (800.225.5734)!

When Should I File for 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 7 – What Happens to My Credit Score if I File Bankruptcy?

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

CHAPTER #7 What happens to my credit score if I file bankruptcy?

Strangely, it usually goes up. Most of our clients have a credit score of below 600. Four months after filing Chapter 7, you should receive a discharge. You then have a creditor report that shows way less debt, and that you received a Chapter 7 discharge. If you are working, now you are not under pressure to pay bills you cannot pay, and can start saving. You also cannot file Chapter 7 for another 8 years, or in a Chapter 13 for another 4 years. So the lenders think you are a pretty good risk for lending, since you have little debt, and no ability to file bankruptcy, and a job. Your credit score can go up as much as 100 points.

If you had a credit score of 700 or more, and filed bankruptcy, it was a phony score, since you were overloaded with debt. Even so, after a Chapter 7 discharge, it may not change much, or it may go back up.

Regardless of credit score, after you receive a Chapter 7 or 13 discharge, you will find yourself able to buy a vehicle or house if you have the right job and down payment. The key is to save up a down payment, and not get overloaded again.

Take our Debtor Education Course taught by attorney Peter Francis Geraci as soon as you file for either Chapter 7 or 13. Or even before filing for $25. It will help you understand how to raise your credit score.

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!

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.

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.

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

EDWI Attorneys

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

SDIN Attorneys

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.

 

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.

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.