Geraci Law is OPEN

Geraci Law is open and ready to meet with you by video. Call us at 800 CALL PFG!

Geraci Law staff and attorneys are here and ready to help you!

We are available by phone at 800 CALL PFG (800.225.5734) for free mini-consultations to answer any questions you have about bankruptcy, budgeting or finances.

Geraci Law attorneys offer a FREE video meeting to discuss bankruptcy options. You will meet with a LIVE attorney to discuss your financial situation. We make the process hassle-free so with a click of a button you can meet with an experienced Geraci Law attorney.

The effects of COVID-19 virus attack more than just your immune system. Job positions are being eliminated and hours are being cut. The economy is in uncharted waters. Everyone has questions to ask about their financial future.

Geraci Law is a source of information for financial questions. We try our best to be a RESOURCE to those in need of answers to lingering questions.

 

Huffington Post Writer Explains Chapter 13

Recent post in the Huffington Post discusses writer’s bankruptcy experience at age 26. Geraci Law is here to help you at age 26 to 76!

Huffington Post Writer Explains Chapter 13

In a recent post in the Huffington Post, John-Michael Jalonen writes about his experience filing for bankruptcy at 26 years old. He like many recent college grads, found himself with more debt than his income and student loan obligations could afford.

Filing for bankruptcy changes many people’s lives for the better. It gives the opportunity to reestablish yourself financially. Geraci Law’s motto is “Changing Your Life For the Better.” We stand by that.

Read Jalonen’s article here.  An excerpt from the piece,

“Admitting you’re in debt, much less deep debt, is incredibly embarrassing and makes you feel like a failure. However, it’s something that so many people are faced with, and going through the bankruptcy process can actually be a blessing.”

If you have questions about debt, finances or just want to talk about budgeting – give us a call. Experience counselors are waiting to help you!

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 Consultations

Geraci Law is offering VIRTUAL appointments with our experienced staff. Same great service from the comfort of your home.

Geraci Law Virtual Consultations

Geraci Law is keeping its clients and staff safe from COVID-19.

During this time, we will remain open for phone and virtual consultations with a Geraci Law attorney. Call us at 800.401.4010, you can also schedule an appointment online.

Button General - Online

Geraci Law is happy to continue offering free lawyer consultations during these difficult times. You get the same GREAT service from the comfort of your home.

You may set your free consultation through your local office, however, all meetings will be over the phone or virtually on a web conference.

Happy St. Patrick’s Day From Geraci Law!

Happy St. Patrick’s Day from Geraci Law! Do you need a change in luck? Give us a call – we’ll review your situation to see if we can save you some GREEN.

Happy St. Patrick’s Day From Geraci Law!

The luck of the Irish is not a given. BAD LUCK is one of the big motivators for debt and bankruptcy. No one wakes up in the morning and says, “I want to file for bankruptcy today.” Often times it’s months (or longer) of missed payments and occasionally just bad luck.

The good news is filing a bankruptcy could change a string of bad luck. Chapter 7 bankruptcy can eliminate debt and give you a fresh start. You can work to rebuild a credit history, payment history, and maybe with some good luck find the pot o’ gold at the end of the rainbow.

Chapter 13 bankruptcies with Geraci Law will consolidate your debt to RESTRUCTURE your finances. You make affordable payments to pay down the balances. At the end of your Chapter 13 repayment plan, you get some good luck when remaining balances/interest are discharged.

Change your financial path by calling Geraci Law. We’re here for you to help if you’ve been unlucky. We’ll try to help you save some green and figure out a solution to your problem.

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

Feeling Sick? Stay Home with a Financial Plan for Success!

Missed work? No savings ? Geraci Law could help.

Feeling Sick? Stay Home with a Financial Plan for Success!

When you live paycheck to paycheck, a missed shift or a sick day creates a budget explosion. The loss of income could mean a minimum payment is shortened or even a missed car payment. If this is your situation – you should call Geraci Law immediately.

Think about how much you are paying in just minimum payments. Are you paying off the balances or do you have a “Band-Aid” for a debt wound? Filing a Chapter 7 to eliminate your debt WILL help. Instead of cycling the credit use and debt, you can start a savings account. So if you have a sick day, you have a fall back plan that doesn’t include using the credit cards. Read more about stopping the debt cycle.

It’s not just missed time – it’s the medical bills. Even if you are insured, a trip to the hospital for flu-like systems could cost you copays. In addition, a trip to the hospital may not cover all the expenditures and testing.

Medical debt is DISCHARGEABLE with a Chapter 7 or Chapter 13 bankruptcy. You may be better off waiting until all treatment is received before filing. But that’s why it’s important to call and speak with an experienced professional at 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 25,000 5-star reviews 5starsince November 2016!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Need a Car? File for Bankruptcy.

Need a car? Consider filing a bankruptcy FIRST with Geraci Law.

Need a Car? File for Bankruptcy.

Do you have bad credit and want a car loan? Good luck. Consider filing bankruptcy with Geraci Law BEFORE applying for a new car loan to deal with your other debt first – maybe including car repossession balances.

Some banks and dealerships prey on people with bad credit. You are pressured to buy something you cannot afford with a promise to “refinance later” or a trade in. If you return the car to the financer, you may find yourself with a lawsuit for the deficiency. If you STILL have the car, you might be paying for something that needs thousands in repair or that you are overpaying for.

So what to do? Bankruptcy with Geraci Law might be your best option. Think about your car loan. Think about your answers to the following questions.

–              Do I have a warranty on the car?

–              Is my interest rate over 20%?

–              Does the car pass emissions?

–              How much maintenance or work needs to be put into the car?

–              Is the car older than my kids?

–              Is my car loan more than 5 years?

You are probably OVERSPENDING on your car or your vehicle is NOT worth keeping when there are alternatives.

Car dealerships will promise you the world. They want to you to buy a car TODAY with the promise of refinancing after timely payments for a few months. Good luck.

That “refinance” the dealership is talking about—is likely NEVER to happen. Cars depreciate the moment you drive them off the lot. Most people do not build equity with timely payments– if your payment is high it’s most likely because your interest rate is high. Most timely payments are simply going to the interest on the loan NOT the principal.

If you turn the car in because you cannot afford it – you may owe a deficiency balance. The financer will sell the car and attempt to collect on the difference. You could be sued, garnished, have assets frozen – STOP these actions with a bankruptcy! Filing a Chapter 7 or Chapter 13 with Geraci Law can stop or prevent collections from your creditors.

After eliminating or consolidating your debt, you can apply for a car loan. You will be in a BETTER position to do so because you have NO other 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.

Geraci Law Open in Downtown Milwaukee!

Geraci Law is now open in DOWNTOWN Milwaukee – come meet us!

Geraci Law is now open in downtown Milwaukee. We’re in the heart of downtown in the Regis Building. The address is 250 E Wisconsin at the corner of Wisconsin & Broadway.

We’re happy to meet with you on your lunch hour or maybe before or after work. You can call to schedule an appointment at 800.401.4010. Or you can also schedule a meeting online @ https://www.infotapes.com/Bankruptcy/OfficeLocator 

Come Meet Our Experienced Bankruptcy Attorneys!

RLCAttorney Robert Crowley 
Attorney Crowley graduated from Greensboro College in Greensboro, North Carolina in 2004 with a B.A. in History/Political Science.
He graduated from the Marquette University Law School in 2013. Attorney Crowley is admitted to practice in Wisconsin (2013) and in the United States District Court, Eastern District of Wisconsin.
CHKAttorney Ashley Chike 
Attorney Ashley Chike is a senior court and supervising attorney at Geraci Law.
She earned her JD/MBA from Loyola University Chicago and was inducted into Alpha Sigma Nu Honor Society by graduating in the top 10% of her class.
She has personally filed over 800 bankruptcy cases and appeared in court for clients over 7,000 times.
JJBAttorney Joseph Blaha 
Attorney Blaha attended college at the University of Wisconsin, Milwaukee where he earned a Bachelor of Arts degree in Political Science.
He then attended University of St. Thomas School of Law, where he graduated in 2009. Attorney Blaha started at Geraci Law LLC that year.
Attorney Blaha interned for Minneapolis City Attorneys Office Criminal Division during law school, and keeps active with local non-profit organizations.

Chicago’s Fresh Start Program

City of Chicago’s Fresh Start Program for parking tickets and driver license suspensions. Let Geraci Law help you apply and get a fresh start from your other credit debt!

Chicago’s Fresh Start Program

Geraci Law uses the phrase FRESH START for people who file for bankruptcy.  Geraci Law offers you the ability to start again with both a Chapter 7 and Chapter 13. You are debt-free with the opportunity to reestablish your credit.

The City of Chicago borrowed the phrase Fresh Start for a new parking ticket program. In the city of Chicago, unpaid parking ticket balances can double and snowball to HUGE balances. A driver’s license can be suspended or a car can be booted if unpaid tickets are ignored. Previously, the ONLY bankruptcy option was filing a Chapter 13 repayment plan for the debt.

Chapter 13 bankruptcy plans consolidate the balance of parking tickets into an affordable repayment. With the Fresh Start program, parking ticket balances can be written off. So instead of a three to five year repayment, you can file a Chapter 7 to eliminate OTHER debt like credit cards and medical. When your case is discharged, you apply for the Fresh Start Program.

Geraci Law will handle ALL of this for you. When accepted into the program, the City of Chicago will respond with a proposed plan.

–       ANY tickets over 3 years old will be written off by the City of Chicago. So you will NOT owe them.

–       ANY tickets incurred within the last 3 years, will be put into a payment plan without the need of a large down payment.

If you have parking tickets, Geraci Law CAN help! Calling our experienced staff can determine if a Chapter 7 or Chapter 13 is a viable option to STOP a driver’s license suspension.

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.

Break the CYCLE of DEBT!

Let Geraci Law help you break the “CYCLE OF DEBT!”

Break the CYCLE of DEBT!

The “CYCLE OF DEBT” is overwhelming and burdensome. You get into a vicious circle of PAYING your minimum payments but then are forced to use credit for essentials like groceries, gas and others.

You continue to pay and then spend and then pay and then spend. Once you add in interest, a small bill turns into a very large snowball. Geraci Law can help you STOP the cycle! We can help credit counsel and create a budget for you after filing for bankruptcy. Sometimes it’s a simple as saying, “I need help.”

Not sure? Don’t know how much credit costs when you are only making minimum payments? Take a look at your credit card statement. You should see something like below.

CC Bill

In the example above, by making ONLY the minimum payments, it will take 15 years to pay off the debt! Look at the number next to the time, the $3,666.42 balance increases to $9,693. It’s nearly THREE TIMES the amount borrowed.

Filing for bankruptcy STOPS the cycle. You eliminate your debt and put yourself on better financial footing. Instead of using credit cards, you can use the cash you are spending on minimums. Instead of paying nearly $6,000 in interest, you could SAVE money.

You should never budget or financially plan based on the hope things will get better in the future. Break the cycle and consider bankruptcy. Geraci Law is here to help YOU deal with the present. We’re here to figure out a solution to your debt problem and assist you in getting back on track financially.

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

What Can a Chapter 13 Do For Me?

Worried about your driver’s license? Is the repo man knocking on your door? Have you been served with a foreclosure summons? Geraci Law is here to help solve your problem with a Chapter 13 bankruptcy. 

What Can a Chapter 13 Do For Me?

Worried about your driver’s license? Is the repo man knocking on your door? Have you been served with a foreclosure summons? Geraci Law is here to help solve your problem with a Chapter 13 bankruptcy.

Chapter 13 bankruptcies are debt repayment plans. You are consolidating debt to fit YOUR budget. A Chapter 13 bankruptcy can:

  • STOP foreclosure
  • STOP vehicle/property repossession
  • STOP wage garnishments
  • LIFT driver’s license suspensions for parking tickets, red light tickets

The payment plan is based on your debt, income and assets. We can create a plan to get you back on track. If life happens and something changes DURING your Chapter 13 plan, our team is here to figure out a solution.

Some attorneys file the case and then disappear. You talk to voice mail instead of a live person. At Geraci Law, we are available to figure out a solution. Our staff is available to YOU.

The best part? A Chapter 13 bankruptcy is the EXACT same fee no matter what law firm you hire. You pay the same price if you hire an attorney who has NEVER filed a bankruptcy petition or a Geraci Law team of attorneys with over 40 years of bankruptcy experience.

Wait, it does get better. If you are working full-time with a steady source of income, you could qualify for no-money down. You get the FAST relief without the worry of coming up with a lump sum of attorney fees. We can do your case in a day. Call Geraci Law – we’re ready to solve your problem.

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.