Can I file another Chapter 13 after dismissal, or after Chapter 7 Discharge?

When you filed Chapter 13, you had a plan, based on your income, expenses, and debts, which you had on the day you filed! But things can change. What do you do when you are in a Chapter 13 and change jobs, lose income, or get more debt or expenses?

Bankruptcy.jpgWhen you filed Chapter 13, you had a plan, based on your income, expenses, and debts, which you had on the day you filed!  But things can change. What do you do when you are in a Chapter 13 and change jobs, lose income, or get more debt or expenses?  What do you do if your vehicle dies during Chapter 13? What do you do if you retire during your Chapter13? Can I file Chapter 13 after I filed Chapter 7?

Geraci Law is here to figure it out. If your Chapter 13 is not working for you, can you file another Chapter 13?  Geraci Law files Chapter 13 cases for many people who went to other lawyers and their Chapter 13 is dismissed, and for lots of our own clients, too. Geraci Law also files Chapter 13 cases when you have filed a Chapter 7 before.  The rules for filing Chapter 13 after a dismissed Chapter 13 are complex.  The rules for filing Chapter 13 after a discharge in Chapter are also complex.  So dial 1-800-call-pfg for a free phone mini-consultation.

 What will I need in order to refile a second Chapter 13? The big 3 are…..

  1. Regular Income. No Chapter 13 without a job unless you have regular income, like retirement. Wait until you are working again and receive your first paystubs.
  2. Filed income tax returns. You must have last 4 years state and federal tax returns in hand.
  3. New debts Make a list WITH the name, address and account number. And copies of bills.

If your Chapter 13 was dismissed – call Geraci Law. We answer the phone and help thousands of people with issues ranging from repossession to parking tickets! Geraci Law will review options on refiling a case that fits your current financial situation. You can include the debt in your previous case and any additional debt you may have incurred since filing.

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 20,000 5-star reviews since November 2016!

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

Being Sued? Call Geraci Law Today!

What is a lawsuit?   It’s a bill collector asking a court for a JUDGMENT!  Why do creditors hire lawyers to get a JUDGMENT?  lawsuitBecause then they can use the Court to COLLECT!!  First they hire the sheriff to serve you with the complaint.  If you don’t have a defense, they can then get their JUDGMENT!

How do creditors COLLECT?  First, they may record the judgment with the County you live in or have property in.  Then it becomes a “lien” or “right to collect when sold”.  That means they can sell your real estate, or personal property!!!  Serious!

Next, they can ask your bank or employer to turn over your money or paycheck!  Whooops!

How can you stop a lawsuit or judgment?  Pay them!  If you can’t pay them, get a free phone mini-consultation with Geraci Law.  Chapter 7 can eliminate debt. Chapter 13 can consolidate it into an affordable payment plan. Geraci Law will review your BEST option to stop the creditor action. We know you might be nervous or embarrassed. Don’t be. Geraci Law is here to help. We do not judge – we STOP judgments from creditors.

Hwoman happyere’s an example showing how Geraci Law can help…“I came in to this office worried and scared because of the amount of debt I was in and the possibility of law suits consuming my life. When I arrived I was greeted and immediately felt welcomed. I was a bit unprepared and nervous but Geraci Law made it a simple and smooth process! They were very understanding and did not judge or condemn me for what was going on. Geraci Law simply offered words of encouragement and explained my options to help! I’m so glad I came!!

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 20,000 5-star reviews 5starsince November 2016!

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

Geraci Law Reverses Sheriff Sale

When you’re unable to make your payments on a house, a mortgage company may get a judgment of foreclosure. Then they pay the County Sheriff, or an appointed officer, to sell it at an auction. If you failed to stop a foreclosure suit, interfacing Sheriff Sale, read this.

When you’re unable to make your payments on a house, a mortgage company may get a judgment of foreclosure.  Then they pay the County Sheriff, or an appointed officer, to sell it at an auction.  If you failed to stop a foreclosure suit, interfacing Sheriff Sale, read this.

Here are some rules about stopping foreclosure:  File chapter 13 House2

  1. Before your mortgage company files a foreclosure suit
  2. Before a foreclosure suit goes to judgment
  3. Before a judgment proceeds to a Sheriff sale

In other words call Geraci law soon as you get behind, because the longer you wait, the more the mortgage company will cost you, and the harder it is. What if your house is actually been sold at a Sheriff sale?

Before coming to Geraci Law, a single mom filed a Chapter 13 with another law firm.  That case was dismissed, and that other so-called law firm told her there was nothing she could do. She was devastated, but her aunt told her to call Geraci Law. She inherited the house from her mother with her aunt on title.

Geraci Law filed a counter attack in the State Chancery Court. Before the sheriff sale, there are several court appearances and notices that must be “serviced.” She never lived at the residence that the mortgage company claimed to have served her at.

friends huggingGeraci Law was able to prove the client was not property served with the foreclosure notice. The judge sided with Geraci Law and the sheriff sale was REVERSED. The woman called for a group hug in the court room ecstatic by the work of Geraci Law. Then, Geraci Law filed a 2nd Chapter 13 to repay the past due mortgage and force them to take her future payments.

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 20,000 5-star reviews 5starsince November 2016!  Read more at www.bankruptcybookbypeterfrancisgeraci.com.

Stop Foreclosure – Can Geraci Law Help You?

Do you want to keep your home? Can you afford the home but not the arrears in a lump sum? Geraci Law helps thousands of people save their homes.

Do you want to keep your home? Can you afford the home but not the arrears in a lump sum? Geraci Law helps thousands of people save their homes.

House

Can Geraci Law save my house?

We’ve helped thousands with a Chapter 13 interest free repayment plan that spreads your mortgage arrears over a 3-5 year plan. At the end of the bankruptcy, you’ll discharge any unpaid debt like credit cards, medical and be current with your mortgage.

“What about “loan modification”?   Don’t fall for scams.  Don’t pay any money for help.  Deal direct with your lender.  When you do, expect

o   they won’t reduce the amount you owe and rarely the interest

o   your term will go from 15 to 30 years, you will never own the place

o   it is usually a scam so you don’t pay while applying, and then they foreclosure

What do I do?  If you are behind in your mortgage, call Geraci Law to

o   eliminate or consolidate OTHER debt so you can pay your mortgage

o   stop foreclosure and pay past due amounts over 3 years or more

Loan modification scams:   just search on “Legal Helpers Debt Resolution” or “Morgan Drexen”.  Don’t be scammed! Call Geraci Law. Never send money to an internet scheme.

How does Chapter 13 help with mortgage foreclosure or past due mortgage payments?

  1. It forces your mortgage company to accept your payments going forward
  2. If forces your mortgage company to accept payments on arrears
  3. It consolidates your vehicles and debts so your mortgage gets paid first

How does Chapter 7 help with mortgage foreclosure?  It could eliminate your other debt to free up your budget to pay the mortgage.

Is it too late to save my house? Ask Geraci Law!  Geraci Law can file a case in as little as ONE day BUT you shouldn’t wait until the last minute. Sooner is better than later!

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 20,000 5-star reviews 5starsince November 2016!  Read more at www.bankruptcybookbypeterfrancisgeraci.com.

Anything…But Bankruptcy?

Why do people waste all their money on phony debt consolidation frauds, give their pensions to pay day loans, and walk away from their houses, instead of getting bankruptcy protection?

Why don’t more people file bankruptcy?  Because they are either ill-informed, or ashamed to be in need of help? NOOOO….. They think the CURE is worse than the ILLNESS!

FMegaphone Hand, business concept with text Get Out of Debt, vector illustrationor the same reasons, some people actually kill their spouses instead of getting a divorce, or suffer and die of cancer instead of going to the doctor.  They drive their car with the red engine light on until it blows the engine.  Many people will do the opposite of what is good for them.

 

So don’t be afraid:  get a free phone or office mini-consultation BEFORE you take your pension 401K or savings and give it to some bill collector.

Here are some satisfied clients who did exactly that!

5star “I am well pleased with the Geraci Law firm that assisted me with the utmost respect and integrity! They made what felt like to me the most tragic and embarrassing time of my life easier with their fast knowledgeable expertise! Thanks again, Geraci Law Firm!!!”

5starWhen I first started my Chapter 13 I was very nervous, but your staff was so helpful. So 5 years later I am so grateful for Peter Francis Geraci and all his staff that helped me through this process which by the way went by so fast. My life has changed, it’s a great feeling!!

5starI went to Geraci because I was falling behind on bills accumulating debt I talked to them they told me no worries we will take care of it. They’ve been working with me even when I couldn’t afford the payments they gave a different alternative which better for me! I’m telling you these guys are the real deal they know what is right for your you! Trust me they are super nice and friendly answers any questions you have go see them today for any of bankruptcy needs THANKS GERACI LAW!!!!

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 20,000 5star reviews since November 2016!

Read more at www.bankruptcybookbypeterfrancisgeraci.com 

Bankruptcy Isn’t Personal – It’s Business

Donald Trump never filed for bankruptcy. Trump’s companies have. He utilized laws in place to protect himself and reorganize his company’s debt.

The most recent bankruptcy filing was in 2009. Trump was elected President of the United States in 2016 showing people did not care about the financial distress. He used bankruptcy as a tool to restructure for future success. When asked about bankruptcy, Trump said, “Basically I’ve used the laws of the country to my advantage and to other people’s advantage just as Leon Black has, Carl Icahn, Henry Kravis has, just as many, many others on top of the business world have.”Trump

Taj Mahal Casino Resort, the Plaza Hotel, Castle Hotel & Casino, Trump Plaza, Trump Hotels & Casino Resorts and Trump Entertainment Resorts filed for Chapter 11 bankruptcy. The companies consolidated debt in order to pay off creditors and remain open.

https://www.forbes.com/sites/debtwire/2015/08/18/a-trip-down-donald-trumps-bankruptcy-memory-lane/#3af6b7d04609

DebtTrump realized that his businesses needed bankruptcy protection, and would not survive unless they used the bankruptcy laws to reorganize the company’s debts. If you have sufficient income, you may be able to reorganize your own household “business”, with a Chapter 13 Debt repayment plan.

Can you afford to file a Chapter 13 debt repayment plan?  Do you have at least $200 a month left over after regular expenses?  Then you may be able to mash all your debt into one payment you can afford, keep your vehicle, house and pension, and get an interest free repayment plan.

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 20,000 5star reviews since November 2016! 5star

Read more at www.bankruptcybookbypeterfrancisgeraci.com 

President William McKinley – The Cosigner Who Filed

William McKinley was elected President in 1897.  Filing for bankruptcy in 1893, while he was governor of Ohio, didn’t stop him at all! He ran for president 4 years after filing, and won! And it William McKinleyshouldn’t stop you!

McKinley co-signed on a $130,000 loan for a friend to keep a business open. The friend’s business closed and McKinley was left with the debt. McKinley filed bankruptcy under the Bankruptcy Act of 1867. Back then,   bankruptcy gave you protection from garnishment while paid back creditors, much like Chapter 13 today. 

Voters did not care about McKinley’s financial problems. He was reelected governor and then elected twice as President of the United States. McKinley sought help for his financial problems.

Presidential HatHave you cosigned for a friend or family member?  Then they defaulted, and the creditor is coming after you? Were you left holding the bag? Co-signing debt makes you as responsible as the other person. If they can’t pay – you owe!

If you are a co-signer and your co-signer is still paying, but you need to file either Chapter 7 or 13, you don’t want your bankruptcy to affect their debt.  Ask Geraci Law how we can help.

Whether you are the co-signer who is primary on the debt, or the one who is secondary, Geraci Law knows how to handle either Chapter 7 bankruptcy or Chapter 13 debt repayment, and co-signed debt. Prez

Talking about financial problems is the first step to getting help. Geraci Law helps thousands of people just like you get financial relief from creditors. Maybe eliminating the debt could be your first step to the presidency!

If you are working full time, and have debt, just dial 1-800-CALL-PFG for a free phone mini-consultation or log on to www.infotapes.com  to make appointments online 24/7.

Read more at www.bankruptcybookbypeterfrancisgeraci.com