Reviews from Geraci Law Clients!

Below are REAL reviews from Geraci Law clients.

For Attorney Sharon Hunt, “Finding yourself in a position where you’re 25 years old, in over your head in CC debt and recently unemployed was, needless to say, stressful and embarrassing. When I started considering my options-bankruptcy felt scary and like an option that could ruin my future. When I made the decision to move forward with this option. I looked into who I felt would make me feel taken care of. Peter Geraci and the firm represented themselves in such a way that I felt comfortable going in for my consultation and after speaking with Attorney Jonathan Parker I knew I was in good hands. He was kind, professional and direct. He made sure I understood all of the options and the process. I’m currently waiting to have my meeting of creditors and feel confident that Geraci Law has done everything to make this go as smoothly as possible and all taken care of.  Thank you Geraci Law & team!”

For Attorney Joseph Blaha, “Very helpful very informative 5 stars to GERACI and 5 stars to our attorney JOSEPH BLAHA he truly is one of kind. He answered all of my questions to the up most level of professionalism. Even with my children present, he was patience understanding of me and my wife situation. Even when my wife left to go get our other daughter. He explained all the forums to her as well. So if you are ever in need of help with a chapter 7 or 13 I recommend Joseph Blaha at Geraci!”

For Attorney Mark Levine, “Great staff. Mark Levine was knowledgeable and helpful every step of the way, and helped us navigate a number of potential roadblocks with ease. If you’re buried in debt and need help, we would definitely recommend consulting Geraci Law.”

For Attorney Lizette Villegas, “I had a great experience with Geraci Law and attorney Liz. I was extremely nervous and had a feeling of shame coming into the office, but after meeting with Liz I felt so much better, relieved, and felt back to normal. Liz also took away that feeling of embarrassment and shame. I am very excited for this new start that my attorney and Geraci Law have given me. Liz made this so much easier!”

For Attorney Shera Bucchianeri, “Our experience with frank has been great he was very helpful with the beginning of our Bankruptcy process now we have been helped by Shera Bucchianeri and omg she is fantastic thank you so much for your help. ”

For Attorney Scott Greenwood, “I have been through the process of a bankruptcy in the pass with another firm, was not a good outcome! Upon accessing Geraci Law Firm I had the impression of a very professional firm. Things were explained and very clear as the next steps in the process. This made me feel very comfortable and ensured that I had come to the right place! Scott Greenwood was very professional and nice during each of my visits to the firm. Once again thank for making feel at ease during a stressful time!”

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.

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.

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

Can I get rid of student loans in bankruptcy?

Can I get rid of student loans in bankruptcy?

Clients come to Geraci Law for multiple reasons.   They want ANSWERS!   They want answers they can rely on.  Geraci Law has over 60 attorneys who understand every aspect of student loans in bankruptcy and how to discharge student loans OUTSIDE of bankruptcy!

How to get rid of student loans OUTSIDE of bankruptcy:  If you are on Social Security Disability, apply for an “administrative discharge”. You will have to show thesGSL Imagee things:

  1. You must have a federally insured student loan. This doesn’t work on private loans or tuition.
  2. You must be on Social Security Disability: permanently disabled for any kind of work
  3. You can’t have any other assets, such as a pension or 401K.

So, you don’t need our help if you are totally disabled, and Social Security says so, and you have no assets.

If you are NOT totally disabled for any kind of work, permanently, you cannot eliminate your student loans in bankruptcy:  you should look at income based repayment, or getting rid of your other debt.  Here’s how:

How to get rid of student loans USING Bankruptcy:  Get rid of the other debt so you can pay down your non-dischargeable student loans!

GSLIt’s very hard to get a discharge of student loans in either Chapter 7 or 13 bankruptcy.  Almost impossible.  But here’s what Geraci Law did for this client who came in with overwhelming medical bills and student loans.  We filed Chapter 7 to discharge her medical debt and a repossession, so she can now pay her student loans!  She is working, she can’t discharge them, but she got rid of all her debt BUT the student loans. She is making good progress on them now that she has no other debt.  Geraci Law gets a 5 star review!

I went to these attorneys after being Debt with student loans and hospital bills they were there right there by my side. Several times they informed me a what was needed an on the spot at all times I am so pleased with these people I must say thank you thank you and thank you!

If you are working full time, and have debt that is keeping you from paying down your student loans, just dial 1-800-CALL-PFG (800-225-5734) for a free phone mini-consultation,  or log on to infotapes.com to make appointments online 24/7.

Read more at www.bankruptcybookbypeterfrancisgeraci.com