Protect Assets before Filing for Bankruptcy

Before a Geraci law attorney files a case, we analyze the client’s assets, and whether those assets are “exempt” from creditors or not. Read more to see protection that could help you! Need to review your options? Call 800 CALL PFG for a free consult or set online @ https://www.infotapes.com/Bankruptcy/OfficeLocator

Below is an article written by Attorney Peter Francis Geraci titled, “Protect Assets before Filing for Bankruptcy.” This focuses on rent prepayment as allowable in some states to protect otherwise exposed case from creditors. Read more articles by Attorney Geraci at https://www.infotapes.com/Articles

Before a Geraci law attorney files a bankruptcy for a client, we always analyze the client’s assets, and whether those assets are “exempt” from creditors or not. Each state has laws called exemption laws. The U.S. Bankruptcy Code also has exemption provisions. These exemptions state what property is “exempt” from attachment and liquidation by your creditors.

Exemption planning is perfectly permissible! One way to claim an exemption is to convert “non-exempt” property into “exempt” property. This should NOT be done to hide money from creditors, or without the advice of an attorney, but some “exemption planning” has been approved by both state courts and bankruptcy courts. “Homestead” exemptions are usually thought of as protecting real estate, but in some states, when filing an Illinois bankruptcy or an Indiana bankruptcy, personal property such as a trailer used for a residence, or prepaid rent, are permissible exemptions under those states “Homestead Exemptions”.

In some states, such as Florida, exemption planning is forbidden when it comes to personal property. :

Florida Statute 222.30  Fraudulent asset conversions.— (1) As used in this section, “conversion” means every mode, direct or indirect, absolute or conditional, of changing or disposing of an asset, such that the products or proceeds of the asset become immune or exempt by law from claims of creditors of the debtor and the products or proceeds of the asset remain property of the debtor. The definitions of chapter 726 apply to this section unless the application of a definition would be unreasonable.

(2) Any conversion by a debtor of an asset that results in the proceeds of the asset becoming exempt by law from the claims of a creditor of the debtor is a fraudulent asset conversion as to the creditor, whether the creditor’s claim to the asset arose before or after the conversion of the asset, if the debtor made the conversion with the intent to hinder, delay, or defraud the creditor.

There has to be the requisite intent. “[A] debtor can convert non-exempt assets to exempt unless he is motivated to make such a conversion by an actual intent to hinder, delay, or defraud his creditors.” In re Jennings, 522 F.3d 1333 (11th Cir. 2008)

But if you are lucky enough to own real estate, or a trailer, that is your primary residence in Florida, (your “homestead”) you CAN transfer cash or sell that $40,000 classic car that would be taken in a bankruptcy, and pay down your mortgage on your homestead property. FLA does not have a blanket prohibition against exemption planning.

1.      222.30 does not apply to the homestead in FL. See Havoco of Am. Ltd. v. Hill, 790 So.2d 1018 (Fla. 2001) and In re Chauncey, 454 F.3d 1292 (11th Cir. 2006)

 2.      There has to be the requisite intent. “[A] debtor can convert non-exempt assets to exempt unless he is motivated to make such a conversion by an actual intent to hinder, delay, or defraud his creditors.” In re Jennings, 522 F.3d 1333 (11th Cir. 2008)

So, in Illinois and Indiana Geraci Law lawyers think about renters: Is there a homestead exemption for prepaid rent or security deposit?

Illinois     Yes – 735 ILCS 5/12 901

Indiana      Yes – IC 34-55-10-2(c)(1)

Wisconsin   No for homestead, but  Yes under wildcard

FL     No for homestead Florida Constitution Article 10 § 4 and Florida Statutes Annotated § 222.01 through § 222.05 but yes under wildcard

US    Yes, arguably because same language as Illinois and Indiana

Illinois: 735 ILCS 5/12 901: Every individual is entitled to an estate of homestead to the extent in value of $15,000 of his or her interest in a farm or lot of land and buildings thereon, a condominium, or personal property, owned or rightly possessed by lease or otherwise and occupied by him or her as a residence, or in a cooperative that owns property that the individual uses as a residence.

Indiana: IC 34-55-10-2(c)(1): Real estate or personal property constituting the personal or family residence of the debtor or a dependent of the debtor, or estates or rights in that real estate or personal property, of not more than fifteen thousand dollars ($15,000). The exemption under this subdivision is individually available to joint debtors concerning property held by them as tenants by the entireties.

Florida: 222.05  Setting apart leasehold. Mobile home on leased land is exempt.

Federal: 11 U.S.C. (d) The following property may be exempted under subsection (b)(2) of this section:

(1) The debtor’s aggregate interest, not to exceed $15,000 [$20,200 effective 4-1-07. Adjusted every 3 years by section 104.] in value, in real property or personal property that the debtor or a dependent of the debtor uses as a residence, in a cooperative that owns property that the debtor or a dependent of the debtor uses as a residence, or in a burial plot for the debtor or a dependent of the debtor.

 Wisconsin 990.01 (14)  Homestead exemption. “Exempt homestead” means the dwelling, including a building, condominium, mobile home, manufactured home, house trailer or cooperative or an unincorporated cooperative association, and so much of the land surrounding it as is reasonably necessary for its use as a home, but not less than 0.25 acre, if available, and not exceeding 40 acres, within the limitation as to value under s. 815.20, except as to liens attaching or rights of devisees or heirs of persons dying before the effective date of any increase of that limitation as to value.

ANALYSIS:

Illinois: By plain language, a debtor’s interest in a lease can be claimed as homestead as long as they are living there.

Indiana: Under IN law, a leasehold can be considered an interest in real property or an interest in personal property, but the exemption applies regardless. See In re Coffey, 339 B.R. 689 (Bankr. N.D. Ind 2006)

Federal: debtor’s interest in real or personal property used as a residence under homestead: also can be exempt under federal wildcard

Florida: Homestead is principal residence, must be real estate of something live in on land, like a trail that is owned, whether on land owned or leased. But exemption planning adding to homestead is allowed and can be exempted.

Wisconsin: Prepaid rent can’t be exempted under Homestead definition limited to “the dwelling” no language like Illinois and Wisconsin.

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 30,000 5-star reviews 5starsince November 2016!

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

Are You Ready For a Fresh Start in 2021?

Geraci Law can help you take back control of your finances. Filing for bankruptcy could give you a fresh start in 2021.

2020 is over (finally) and everyone is ready for a new and better year. But what are your options if you have debt you can’t afford to pay? Are you paying minimums only to use the credit again because your cash is gone?

Geraci Law can help you take back control of your finances. Filing for bankruptcy could give you a fresh start in 2021. A Chapter 7 bankruptcy could discharge or eliminate obligation to debt balances like credit cards, personal loans, medical bills, etc. You could keep things like your house and car – the only thing to lose is the debt!

Filing a bankruptcy could change your life for the better. It’s the elimination of the sleepless nights and worry about how and who is getting paid. Geraci Law is the firm to help you accomplish that goal. We’re here to help you figure it out.

It all starts with a phone call. Geraci Law attorneys are available by phone and offer same day meetings and case filings! You could improve your credit score, start saving money and put yourself in a better position in the 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 30,000 5-star reviews 5starsince November 2016!

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

Do You Live in a Bankruptcy Assistance Desert?

Below is an article written by Attorney Peter Francis Geraci titled, “Do you live in a Bankruptcy Assistance Desert?” You can read more articles by Attorney Geraci at https://www.infotapes.com/Articles.

Below is an article written by Attorney Peter Francis Geraci titled, “Do you live in a Bankruptcy Assistance Desert?” You can read more articles by Attorney Geraci at https://www.infotapes.com/Articles.

Do you live in a “Bankruptcy Legal Desert”? According to the American Bar Association’s 2020 Profile of the Legal Profession, you may. 40% of America’s counties have less than 1 lawyer per 1000 residents, and some have way less.

And it gets worse depending on what you need a lawyer for. An article in the Indiana Lawyer journal says “simply having lawyers in a county doesn’t guarantee they are available to the public”, because many work for governments or corporations.

Depending on what you need an attorney for, it may be a real problem. You may have to drive for an hour, or even longer, to the location of an attorney that is able to represent you in a specific matter.

Take bankruptcy, for instance. Outside of major cities, there are usually only 1 or 2 lawyers who practice consumer bankruptcy law. And often, they don’t do much of it, only a case here and there, and may do only Chapter 7 cases, not Chapter 13 repayment plans which are at least 1/3 of bankruptcy filings nationwide.

One reason is, once you get away from the “big city”, there aren’t a large number of bankruptcies, because the population is thinner. In sparsely populated areas, there may not be any lawyers for any particular kind of matter. The lawyers in those counties, therefore, don’t get the experience of an attorney who practices exclusively in bankruptcy court.

They may be excellent lawyers, but your options are very limited, both by the lack of lawyers, and the lack of lawyers who actually practice bankruptcy law. It used to be even worse for bankruptcy, because the bankruptcy courts are Federal courts, and usually only located in downtown office buildings in the largest cities, such as Orlando, Indianapolis, Chicago, and Milwaukee.

Chapter 13 trustees for an entire region of millions of people may be 2 hours away from those living outside the downtown areas. Lawyers, as well as clients, had to waste an entire day traveling to court, standing around waiting for a hearing, and getting back to the office or home. But not any more!

What happened? COVID! Lawyers and courts discovered Zoom, and learned how to keep the courts running remotely, or “virtually”. Geraci Law was providing remote, or “virtual” bankruptcy services to its clients for years. Geraci Law bankruptcy clients enjoy the Geraci Law “Client Corner” client portal, and can set virtual or office appointments, message their attorney, sign and upload documents, and even attend bankruptcy hearings, remotely, on their cell phones!

This means that if you live in a rural area, or even in a big city, you don’t have to battle rush hour, find a sitter, take a day off work, or drive an hour to find a bankruptcy lawyer.

All you need is your cell phone or computer. Geraci Law is available to help you virtually! Use the Geraci Law Office Locator at www.infotapes.com to find a virtual or physical Geraci Law office near you. Get your basic information by going to www.bankruptcybookbypeterfrancisgeraci.com and using the Search tool. You’ll find the answers to the most often-asked bankruptcy questions, before you call to become a Geraci Law client, and get debt-free!

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 30,000 5-star reviews 5starsince November 2016!

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!

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 30,000 5-star reviews 5starsince November 2016!

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

Does Chapter 7 or 13 Bankruptcy Ruin My Credit?

Bad credit can’t be ruined by getting out of debt. Bankruptcy gets you out of debt. No debt = better “credit”.

Below is an article written by Attorney Peter Francis Geraci explaining filing a bankruptcy could actually IMPROVE your credit score. Read more articles written by PFG at https://www.infotapes.com/Articles.

Most people filing bankruptcy have bad credit scores. Most are below 600. That is bad credit.

Bad credit can’t be ruined by getting out of debt. Bankruptcy gets you out of debt. No debt = better “credit”.

Studies have shown that your credit score goes up after bankruptcy discharge.  Take my 2 hour debtor education course if you want to improve your credit.  Go to http://www.pfged.com   

If you can get a house and a low interest rate on a vehicle, you probably don’t even need bankruptcy relief. 

But, if you can’t afford to pay your creditors, but you have a good credit score, you probably don’t have good credit, you have good debt!  Soon or later, the credit bureaus are going to notice you’ve maxed out on credit and your credit score is going to fall.  

Bankruptcy does not generally ruin your credit more than it is already. Many people say to me, “I’m current on all my cards. I have good credit.” Then I find out that they have been getting cash advances on one card and using that money to pay the other charge cards. That is borrowing money when you cannot repay it. If you do that, you may not have good credit.  

Credit is the ability to borrow money. Lenders look at several things about you if you want to borrow money. First, they look at your ability to repay it. If you have a lot of bills to pay now, you probably can’t afford to borrow more, because you won’t be able to repay it.

Second, the credit bureaus look at your history of repayment. If creditors reported you slow-pay, or have lawsuits, garnishments or repossessions, you already have ruined your credit history. Getting rid of your bills in a bankruptcy may improve your situation. You will have no bills to pay, or maybe just one or two. You will then be able to try to save a little money. Also, you can’t file another bankruptcy until six years have passed. Many lenders will allow you to re-establish credit, because now you have a better ability to repay.

The third main factor that a lender looks at is the security or collateral given for the loan. You may need more money down than in the past.

At Geraci Law, we want to make your life better.  So if we think you don’t need bankruptcy relief, we tell you.  Take our free 20-minute credit counseling course at Infotapes.com, or our 2 hour Debtor Education Course at pfged.com for more information. 

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 30,000 5-star reviews 5starsince November 2016!

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

Can I Get Rid of a Vehicle By Filing Bankruptcy?

Sometimes you just don’t want a vehicle. It may be worth far less than you owe, or it may be a junk that costs too much to repair. So the question is, how do you get rid of it and get something else?

Article written by Attorney Peter Francis Geraci. Read more of his posts at https://www.infotapes.com/Articles!

Can I get rid of a vehicle by filing bankruptcy?

Sometimes you just don’t want a vehicle. It may be worth far less than you owe, or it may be a junk that costs too much to repair. So the question is, how do you get rid of it and get something else? You’re probably not going to just get rid of the vehicle and walk or take the bus. So there are a variety of situations, and you need good legal advice before you make a false move.

Title loans Do you have an old vehicle with a title loan? If you do, the title loan company has a lien on the title. They will want you to pay them before they release the title. If the vehicle doesn’t run, or has been in an accident, you can’t junk it unless you get the title. Title loan companies seldom will take a vehicle back, rarely even repossess vehicles, because they don’t loan you enough money to make it worthwhile. If you file a bankruptcy, we can provide that you surrender the vehicle, then file a procedure called a motion to exempt and redeem. The court values the vehicle, and all you have to do is pay the value of the vehicle to the title company in which they are required to give you the title. This works very well when you have a junker is only worth $100 salvage value.

Under water Second situation that is very common is that you have a vehicle where you have a loan on it, in the loan payoff is much more than the vehicle is worth, and you don’t want it. Let’s say you bought a used car, and it’s now worth $8000. But you have 40 payments of $350 left to pay, or $14,000, the payoff and that depending upon how long you’ve financed it for, might be as much is $11,000 or $12,000. So if you wanted to give the vehicle back to the finance company, they would sell it at auction, probably $4000, and soak you with the auction costs, if you credit for the $4000 sales price, and you’d end up owing 8000 on the repossessed vehicle. Chapter 7 filing can eliminate that $8000 deficiency.

So Chapter 7 works very well when you owe a lot more than the vehicle is worth. If you want the over financed vehicle in a chapter 7, sometimes, we can make a deal, and a reaffirmation. So you can either surrender a vehicle that’s over financed and eliminate the deficiency, or possibly we can negotiate a better deal in bankruptcy, but you have to be willing, under Chapter 7 to surrender it if they don’t give you a better deal. There is another option called 722 redemption, similar to the junker, but if the value of the vehicle is $8000, you have to come up with the full value of the vehicle, or finance it, and if you do not come up with the $8000 722 redemption, you probably be financing it at 30% interest which is a terrible deal and you’d be right back where you started.

Chapter 13 The third situation involves keeping the vehicle, and filing chapter 13 to pay what the vehicle is worth, if the vehicle is over two and half years old, and even if it’s not 2 ½ years old to pay it at the prime rate +2%. Now if that sounds complicated, it is. One problem that we are running into is people are financing vehicles for 72 or 84 months, and then coming in to file a chapter 13, which can only last 60 months. They may even have a 0% interest rate. So if you have a long way to pay on a vehicle, and you’ve already got 0% interest, chapter 13 doesn’t help you. Depending upon your income, it may be wise you can qualify for chapter 7, to get rid of this monster and get a reasonably priced vehicle with a low payment.

There’s a lot more to vehicles in bankruptcy. Geraci law lawyers have filed over 100,000 bankruptcy cases, many of which involve cars, both chapter 7 and chapter 13. If your only debt is a car, you should not be doing a bankruptcy. But if your problem is greater than just the car payment, let’s look at what filing a Chapter 7 or Chapter 13 can do about your whole picture, and where the vehicle fits in.

That’s why you need an experienced Geraci law bankruptcy lawyer to figure all this stuff out.

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 30,000 5-star reviews 5starsince November 2016!

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

Geraci Law in South Bend, Indiana

Geraci Law is taking Chapter 7 and Chapter 13 bankruptcy cases in South Bend Indiana!

Geraci Law is taking Chapter 7 and Chapter 13 bankruptcy cases in South Bend Indiana! If you are struggling with debt, we offer a FREE consultation with our experienced team to review your options!

We also handle cases in Elkhart, Mishawaka, and surrounding areas. We’re ready to help with debt and cheer on the Notre Dame Fighting Irish! Did you know South Bend hosts the one of the largest Dyngus Day celebrations outside of Poland?

SAD

Attorney John Sadler 

Attorney John Sadler is a senior court attorney and supervising attorney at Geraci Law. Attorney Sadler is admitted to the U.S. District Court in the Northern District of Illinois, Northern District of Indiana, and the Southern District of Indiana. He has bar admissions in Indiana and Illinois.

He earned his Bachelor of Arts in Criminal Justice & Sociology and Juris Doctor from Indiana University. In his spare time, he enjoys camping, cycling, and other outdoor activities. He is a board member of a small non-profit cycling organization focused on raising money through cycling events for cancer research.

LAC

Attorney Lacey Faul 

Attorney Lacey Faul is a Senior Attorney at Geraci Law and has been with the firm since November 2009. She graduated from Purdue University in 2006 (Boiler Up!) with a major in Management and minors in Marketing and Human Resources & Organizational Behavior. She received her J.D. from Indiana University – Indianapolis in 2009 and joined Geraci Law soon after. She is a member of the Indianapolis Bar Association – Bankruptcy Section, Indiana Bar Association, and Illinois Bar Association. She is licensed in the Southern District of Indiana and the Northern District of Illinois and has filed over 1,700 cases to help her clients become debt free. She takes pride in helping to ease her clients’ fears and loves to hear how relieved they are when their case is complete. In her free time she loves to relax with her dogs and husband and hopes to one day start marking places off her travel bucket list again!

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 30,000 5-star reviews 5starsince November 2016!

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

Don’t Labor Over Debt!

Don’t labor over debt this weekend – take a few minutes and go to http://www.infotapes.com and see what Geraci Law can do for you.

Don’t Labor Over Debt!

Geraci Law wishes everyone a Happy (and Safe) Labor Day weekend! It’s the workers both essential and nonessential that keep us going. Sometimes, even the hardest working need help.

Geraci Law is here if your hours are short, if your furlough becomes a lay off or if you are just in over your head.
Our attorneys are ready to consult if bankruptcy is an option for you to eliminate or consolidate your debt.

This weekend, check out http://www.infotapes.com. You can read some of our 30,000 positive reviews from REAL clients or ready about bankruptcy and how it can change your life for the better.


Celebrate safely this weekend! We’re closed on Monday but you can schedule online @ (SITE) or give us a call 7:00 a.m.-7:00 p.m. on Tuesday.

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 30,000 5-star reviews 5starsince November 2016!

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

Free Consult In Evergreen Park

Come over to our Geraci Law Evergreen Park office – we’re offering FREE attorney consultations!

Free Consult In Evergreen Park

Come meet us in Evergreen Park for a FREE consultation regarding your financial options. We’re located at 3560 W. 95th St. Evergreen park is 2 minutes West of Western, 4 blocks West of Kedzie, 4 blocks East of Pulaski. Easy Parking int our Lot next to the building.

You can meet with any of our experienced Geraci Law Staff:

MMAAttorney Mario Arreola 

Mario M. Arreola is a highly respected Chicago based injury and bankruptcy attorney. He is a graduate of Mt. Carmel High School, University of Illinois, and the John Marshall Law School. He was born in 1958 in the neighborhood of South Chicago on the Southeast Side. The son of immigrant parents and father to four children and grandfather to eight.

Attorney Arreola has worked with Geraci Law, for more than 25 years and helped more than 20,000 clients solve their financial problems. For most of these years he has been the cornerstone of Geraci Law on the South Side of Chicago. Many of his clients simply know him as “Mr. Mario.”

TARAttorney Tarek Khalil 

Attorney Tarek Khalil is a senior attorney at Geraci Law. He is beloved by his clients. Attorney Khalil is one of the well-reviewed attorneys at Geraci Law. His clients call him, “overall great person,” “pleasant,” and “personable.”

He graduated with a Bachelor’s Degree in Political Science from University of Illinois at Chicago. He went on to earn his Juris Doctor from John Marshall Law. He is fluent in Arabic and is a board member for American Muslims for Palestine in Chicago.

Support Staff to Make the Process Hassle-Free!

Isaac Bell

IZK

 

 

 

 

Steven Serrato 

SER

 

 

 

 

 

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 – Indianapolis

Geraci Law – Indianapolis

Geraci Law is ready and open to meet with you in any of our convenient Indianapolis locations! It does not matter if you are north, south, east or west of I-465 – Geraci Law is close to you.

Meet our Geraci Law Indianapolis team!

SADAttorney John Sadler 

Attorney John Sadler is a senior court attorney and supervising attorney at Geraci Law. Attorney Sadler is admitted to the U.S. District Court in the Northern District of Illinois, Northern District of Indiana, and the Southern District of Indiana. He has bar admissions in Indiana and Illinois.

He earned his Bachelor of Arts in Criminal Justice & Sociology and Juris Doctor from Indiana University. In his spare time, he enjoys camping, cycling, and other outdoor activities. He is a board member of a small non-profit cycling organization focused on raising money through cycling events for cancer research.

SHLAttorney Chad Garrapy

Attorney Chad Garrapy is a Senior Attorney at Geraci Law and has been practicing law since 2011. He handles cases out of the Southern District of Indiana. Attorney Garrapy graduate Magna Cum Laude with a major in political science and a minor in criminal justice from Bloomsburg University of Pennsylvania in 2007. He graduated Cum Laude from Michigan State University College of Law in 2011. He is admitted in the State of Indiana and the Southern District of Indiana. Attorney Garrapy has filed nearly 1,800 cases for clients since 2011. He will thoroughly go over all your financial relief options to develop a specific plan for each individual client He’ll even make you laugh from time to time!

img_6918Attorney Anthony Shull

Attorney Anthony Shull is a court attorney and has been with Geraci Law since 2013. He graduated with honors from Indiana University in 2009 with a Bachelor of Science in Public Affairs, and received his Juris Doctor from Valparaiso University School of Law in 2012. Attorney Shull guides clients through all phases of the bankruptcy process, from the initial consultation all the way through discharge. In his free time, he enjoys spending time with his wife and daughter, all things Disney, and attending IU football and basketball games.

PWMAttorney Patrick McNulty

 

Attorney Patrick McNulty is a graduate from IUPUI where he attained his Bachelors of Science in Psychology. After attaining his B.S he attend the University of Dayton School of Law and acquired his Juris Doctorate spring of 2017. He has been a life long resident of Indianapolis and hopes to make a positive difference in the city. Everyday he challenges himself to provide a stress free and easy going experience for every client. Outside of work he enjoys going out to dinner, watching movies, and taking care of his two dogs. He enjoys everyday to the fullest and has an absolute zest for life.

LACAttorney Lacey Faul 

Attorney Lacey Faul is a Senior Attorney at Geraci Law and has been with the firm since November 2009. She graduated from Purdue University in 2006 (Boiler Up!) with a major in Management and minors in Marketing and Human Resources & Organizational Behavior. She received her J.D. from Indiana University – Indianapolis in 2009 and joined Geraci Law soon after. She is a member of the Indianapolis Bar Association – Bankruptcy Section, Indiana Bar Association, and Illinois Bar Association. She is licensed in the Southern District of Indiana and the Northern District of Illinois and has filed over 1,700 cases to help her clients become debt free. She takes pride in helping to ease her clients’ fears and loves to hear how relieved they are when their case is complete. In her free time she loves to relax with her dogs and husband and hopes to one day start marking places off her travel bucket list again!

TUCAttorney Bridget Spears 

Attorney Bridget Spears has been practicing law since 2008. Her current focus is on Chapter 13 issues/noval and complicated matters. She enjoys the practice of bankruptcy because it is one of the only areas of law where her client wins everytime, by overcoming their debt, whether it is in a Chapter 13 or a Chapter 7. Bridget is a member of the Indianapolis Bar Association – Bankruptcy Section, Indiana Bar Association, and Illinois Bar Association. She graduated from Indiana School of Law in May of 2008; with an emphasis on Trial Practice. Her undergraduate degree is also from Indiana University where she was an inaugural member of the Sam Masarachia Scholars Program. In her free time she enjoys playing with her toddler, traveling, and attending sporting events.

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 30,000 5-star reviews 5starsince November 2016!

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