Unemployed with Debt – What to Do?

If you are unemployed with debt – you should consult an attorney with Geraci Law.

Unemployed with Debt – What to Do?

We are all struggling to figure out existence in this new world. Trying to balance budgets, E-Learning and making sure we have enough hand sanitizer. With the LOSS of income, everything becomes MORE strained.  Not to mention worrying about making the next minimum credit card payment.

Over 33 million Americans are out of work since the start of the pandemic. That number most likely will not decrease but rather increase. When you have debt and you are unemployed – what do you do?

The answer may or may not be bankruptcy. If you have debt – the BEST decision you can make is to call Geraci Law to consult about your financial situation. Our experienced attorneys and staff can help you figure out what to do about the bills. Geraci Law not only has FREE phone consultations, we also have FREE video meetings with our attorneys.

Consider your options. Consider your expenses. Job loss is scary. Filing for bankruptcy with Geraci Law is NOT scary. If we have a solution to your problem, we’ll let you know. If we cannot help you we’ll let you know that too. Talking is important – give us a call at 800 CALL PFG.

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.

NYT Article Bankruptcy Now, Not Later

Geraci Law is a bankruptcy firm ready to help you NOW and not later. Read New York Times article to learn more about bankruptcy.

In a recent piece published in the New York Times, the advice is to NOT wait to speak with a bankruptcy attorney. If you are struggling with the debt, if you are living paycheck to paycheck – it might be time to stop throwing good money at bad debt.

Geraci Law does FREE consultations to review your options. You will ONLY meet with an attorney and we will try to determine your path to becoming debt free.

It’s a powerful tool to SAVE money instead of relying on high interest credit cards. Bankruptcy could be your first step to achieving that goal.

You can read the rest of the article at https://www.nytimes.com/aponline/2020/05/04/business/ap-nerdwallet-liz-weston-consider-bankruptcy-now.html

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 Evergreen Park

Geraci Law Evergreen Park has an updated look! Give us a call to talk about your bankruptcy options at 800 CALL PFG.

Geraci Law is located at 3560 W 95th Street in Evergreen Park. We’re approximately two minutes west of Western Avenue at the north side of 95th and Central Park Avenue.  There’s a HUGE parking lot available so you do not need to worry about parking.

We updated the outside of Evergreen Park so it’s EASY to see from the street. Currently we are only meeting with clients via video and phone. In the future, we would love to see you in person on 95th. Until then, stay safe!

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.

 

FAQs about Debt & COVID 19

Geraci Law answers questions about debt during COVID 19.

FAQs about Debt & COVID 19

Geraci Law wants to help you answer questions about debt and collections because of the uncertainty surrounding COVID-19.  Reviewing your financial situation with an experienced bankruptcy firm (like Geraci Law) is almost a GREAT idea if you are struggling financially.

Are the bankruptcy courts open?

Yes but there are are no in-person meetings. BUT, we are able to file Chapter 7 and Chapter 13 bankruptcy petitions to get the automatic stay protection. The courts are still processing filed petitions. There is no delay in case filing. Oftentimes Geraci Law can file a case the same or next day.

Can bill collectors sue me when courts reopen?

ABSOLUTELY. Governor J.B. Pritzer suspended summons service so creditors cannot serve a garnishment or citation to discover assets. Most collection agencies and finance companies are put on hold during COVID-19. Once the order ends – collectors can start to sue, garnish, and collect. Filing a bankruptcy NOW stops the future collection.

Are Geraci Law offices open?

Yes and no. Yes Geraci Law is open and ready to help. No, the physical locations are not open to protect our staff and clients. We can meet with you via phone or video. It’s the same great service – just virtually. You can schedule online at https://www.infotapes.com/Bankruptcy/OfficeLocator. All you need is a smart phone!

Where can I find more information about finances during COVID-19?

Geraci Law wants to be a resource to everyone. A great place to look is at https://www.infotapes.com/Links this includes information about debt, education, job fairs and other important resources.

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

IL Governor Suspends Service of Garnishment Summonses

Illinois Governor J.B. Pritzker suspends the service of wage deduction and garnishment summonses. What this means for you and why bankruptcy with Geraci Law might be a great option.

IL Governor Suspends Service of Garnishment Summonses

Governor J.B. Pritzker issued an executive order suspending the service of garnishment summonses, wage deduction summonses and citations to discover assets for consumers. This suspension is for the duration of the Gubernatorial Disaster Proclamation.

This means creditors in ILLINOIS cannot serve wage garnishment summons. It’s important to understand this is TEMPORARY. During COVID-19, the creditors are kept at bay. But creditors will be able to collect in the future. Plan for YOUR future. Consider your bankruptcy options now. Stop the creditor action before it even starts (or resumes).

Governor Pritzker has your back for now but when the suspension is lifted, these creditors WILL be back. Filing a Chapter 7 or a Chapter 13 will STOP the collections. Want to know your options? Geraci Law is open and filing bankruptcy cases. Give us a call to figure out a plan for 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

Estimate Your Stimulus Check!

Use calculator to estimate your stimulus check – consider filing bankruptcy with Geraci Law. We’re open and ready to help. 

Estimate Your Stimulus Check!

Use calculator to estimate your stimulus check – consider filing bankruptcy with Geraci Law. We’re open and ready to help.

Stimulus checks are expected in the next few weeks. You can go online to estimate how much you and your family will receive at https://www.hrblock.com/coronavirus-tax-impact/calculator/.

Think about your debt. Will the money you receive pay off only ONE bill? Will the money only help for ONE month of minimum payments? If the answer is yes, it might be time to consider alternatives.

Bankruptcy could help. Filing for a Chapter 7 will eliminate all unsecured credit, a Chapter 13 will consolidate your debt into ONE monthly payment. So instead of paying thousands a year in interest, you actually PAY the balances. A Chapter 7 could give your family the fresh start it needs. Think about investing in YOUR future.

Geraci Law is here. We’re ready to answer questions and meet you. Geraci Law is able to file cases in as little as ONE day to stop wage garnishments, foreclosures, collection calls and car repossession. We’re here and 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!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

Geraci Law Shelter in Place & Staying Safe

It’s not the Spring we were expecting. We know it’s tough. Geraci Law is meeting via video – here’s some Geraci Law staff working from home.

Geraci Law Shelter in Place & Staying Safe

WFH1WFH2WFH3

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 is Here to Help

Geraci Law thanks ALL essential workers for helping everyone. If you need help, Geraci Law is here for you.

Geraci Law is Here to Help

Geraci Law wants to thank all the medical workers, grocery workers, and everyone out there working to support the country during COVID-19. We understand it’s tough and we appreciate everything you are doing.

Despite many people losing jobs, losing hours, the collection efforts do not stop. Collection agencies are still calling although they probably should not be, there are still lawsuits being filed against people who are struggling. That’s where Geraci Law can help. Filing for bankruptcy can STOP the collection actions from the creditors.

Creditor lobby groups fought against a bill proposed in Congress to STOP collection agencies from reporting late or missed payments to the three credit bureaus. The bill did NOT pass. The CARES Act did pass. There are guidelines written out by Consumer Financial Protection Bureau urging banks to work with consumers. Read more at the New York Post here. An excerpt from the letter written by US Chamber of Commerce and other associations that represent banks and creditors said,

As you consider options to protect consumers from harm, please be aware that blanket suppression of all adverse information in credit reports could disrupt consumer access to credit in the future.

Sometimes we all need a little bit of help. As of now, the help is not coming from Congress and help is not guaranteed from your creditors and banks. Geraci Law is here for you. Bankruptcy could be the solution to your problem.

If you are struggling with payments, worried about your job, worried about catching coronavirus and missing work – we’re here for you. Geraci Law IS open and meeting via video. We make debt relief simple because no one needs extra stress right now.

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 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