Geraci Law Florida Team

Our team consists of senior attorneys ready to help you. Meet the Geraci Law Florida team and read what our Florida clients say about them. Best part is? The consultation with our amazing (I’m biased) team is FREE.

Geraci Law handles Chapter 7 and Chapter 13 bankruptcy cases across the state of Florida. Our team is ready to help you stop foreclosure, stop a repossession or assist in getting you the fresh start you need.

Our team consists of senior attorneys ready to help you. Meet the Geraci Law Florida team and read what our Florida clients say about them. Best part is? The consultation with our amazing (I’m biased) team is FREE.

Call to schedule or you can schedule online @ https://www.infotapes.com/Bankruptcy/OfficeLocator

Attorney Jonathan Parker

Attorney Jonathan Parker is a senior court attorney and supervisory attorney at Geraci Law. He is responsible for the majority of the firm’s litigation as well as counsel to Attorney Peter Francis Geraci.

He earned his JD Cum Laude from University of Wisconsin. He graduated with a degree in French and Philosophy from Northwestern University. He received Northwestern University Departmental Honors with distinction.

Attorney Parker’s professional experience includes providing client consultations, filing bankruptcy petitions, handling the firm’s litigation and legal research. He has won and appealed numerous cases for the benefit of his client.

He has extensive knowledge of the United States Bankruptcy Code and debt settlement. Attorney Parker will determine your best course of action to solve your financial problem. You should expect nothing but the best representation when Attorney Jonathan Parker is on your team.

Court Admissions

  • Illinois State Court
  • Wisconsin State Court
  • Florida State Court
  • Northern District of Illinois Federal Court
  • Central District of Illinois Federal Court
  • Eastern District of Wisconsin Federal Court
  • Western District of Wisconsin Federal Court
  • Northern District of Indiana Federal Court
  • Southern District of Indiana Federal Court
  • Northern District of Florida Federal Court
  • Middle District of Florida Federal Court
  • Southern District of Florida Federal Court
  • 7th Circuit Court of Appeals
  • US Supreme Court

Reviews

Attorney Ashley Chike

Attorney Ashley Chike is a senior court attorney and supervising attorney at Geraci Law. She earned her JD/MBA from Loyola University Chicago and inducted into Alpha Sigma Nu Honor Society by graduating in the top 10% of her class. 

Attorney Chike’s professional experience includes providing client consultations, drafting as and filing bankruptcy petitions/plans, representing clients in court, supervising cases, and conducting legal research.

Attorney Chike wrote a legal brief and argued in court defending a client’s right to keep her tax refund each year during her Chapter 13.  The Judge ruled in Attorney Chike’s favor and ruled against the Chapter 13 Trustee who was seeking to take the refund – now all Chapter 13 debtors can keep their tax refunds in their Chapter 13 if properly prorated.  

She has extensive experience evaluating client-specific financial debt and data to provide the best solution for the client. Clients can expect nothing less than excellence from her.  It is her mission to get the client the BEST result possible. 

Court Admissions

  • Illinois State Court
  • Wisconsin State Court
  • Florida State Court
  • Northern District of Illinois Federal Court
  • Central District of Illinois Federal Court
  • Southern District of Illinois Federal Court
  • Eastern District of Wisconsin Federal Court
  • Western District of Wisconsin Federal Court
  • Northern District of Indiana Federal Court
  • Southern District of Indiana Federal Court
  • Northern District of Florida Federal Court
  • Middle District of Florida Federal Court
  • Southern District of Florida Federal Court
  • Colorado Federal Court

Reviews

Attorney John Sadler

Attorney John Sadler is a senior court attorney and supervising attorney at Geraci Law. He earned his Bachelor of Arts in Criminal Justice & Sociology and JD 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. He has extensive knowledge of real estate and bankruptcy and supervises real estate issues in Indiana.

In 2017, Attorney Sadler successfully won an adversary proceeding for his client. His client’s car was totaled and the client received an insurance check. The creditor filed a suit alleging Attorney Sadler’s client intentionally did not fix the vehicle and the debt owed should not be eliminated in his Chapter 13 bankruptcy.

The creditor claimed the client had a responsibility to repair the totaled vehicle. Ultimately Attorney Sadler defended his client and got the adversary dismissed. He saved his client close to $10,000! 

Court Admissions

  • State of Indiana
  • State of Illinois
  • State of Florida
  • United States District Court, Northern Illinois
  • United States District Court, Central Illinois
  • United States District Court, Southern Illinois
  • United States District Court, Northern Indiana
  • United States District Court, Southern Indiana
  • United States District Court, Middle Florida
  • United States District Court, Southern Florida

Reviews

Attorney Rob Brynjelsen

Attorney Robert Brynjelsen started his career at Geraci Law in 2004. He is a supervising attorney licensed to practice in Illinois, Wisconsin, Indiana and Florida. He graduated with a Bachelor of Arts from University of Illinois and a Juris Doctor from the University of Miami.

Attorney Brynjelsen has advised on more than 10,000 consumer bankruptcy cases. Although based out of Illinois, he spends at minimum a few weeks a year visiting all of our offices to make sure the PFG Difference is maintained!

When he’s not advising Geraci Law clients and assisting attorneys, Attorney Brynjelsen enjoys playing golf and traveling, especially cruises.

Court Admissions

  • Illinois State Court
  • Florida State Court
  • Wisconsin State Court
  • Michigan State Court
  • Indiana State Court
  • Northern District of Illinois Federal Court
  • Central District of Illinois Federal Court
  • Middle District of Florida Federal Court
  • Southern District of Florida Federal Court
  • Eastern District of Wisconsin Federal Court
  • Western District of Wisconsin Federal Court
  • Northern District of Indiana Federal Court
  • Southern District of Indiana Federal Court
  • Eastern District of Michigan Federal Court
  • Western District of Michigan Federal Court

Reviews

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

IRS Collection Help!

You should consider filing Chapter 7 or Chapter 13 if you are getting calls from private collection agencies. You may be able to stop collection action, pay the IRS ahead of other creditors, or even obtain a discharge if you filed a truthful return on taxes due more than 3 years after the April 15-18 due date for that year, and just can’t pay them.

Hot off the presses!

The IRS hired new collection agencies to chase money owed. Before you start paying the IRS, contact Geraci Law to review your Chapter 7 and Chapter 13 options. Read more Geraci Law press releases at https://www.infotapes.com/Press.

The Internal Revenue Service announced on Sept. 22, 2021, that it has awarded contracts to collect IRS Debts to three new private collection agencies:

  • CBE Group, Inc., Waterloo, IA
  • Coast Professional, Inc., Albion, NY
  • ConServe, Fairport, NY

According to IRS Publication 4518, the Fixing America’s Surface Transportation Act signed by the President on December 4, 2015, requires the IRS to contract with private collection agencies to help collect certain federal tax debt. How do you know it is really someone authorized by the IRS? Not so easy. The IRS will send you a letter first, telling you who the agencies is. You will not get a phone call before you get an IRS letter.

You should consider filing Chapter 7 or Chapter 13 if you are getting calls from private collection agencies. You may be able to stop collection action, pay the IRS ahead of other creditors, or even obtain a discharge if you filed a truthful return on taxes due more than 3 years after the April 15-18 due date for that year, and just can’t pay them.

Geraci Law has much experience in either tax repayment, or tax discharge, so give us a call at 1-800-CALL-PFG.

Don’t answer any calls threatening you with arrest or garnishment. Private collection agencies cannot take any type of enforcement action against you to collect this debt (such as filing a notice of Federal Tax Lien or issuing a levy). Any collector claiming otherwise is a phony.

Should you give your bank account info to a collector? No. Send your payment directly to the IRS if you want to pay. The private collection agency can provide information on ways to pay or visit www. irs. gov/Payments for electronic payment options. Also see Publication 594, The IRS Collection Process, Ways to pay your taxes. Payment options include IRS Direct Pay to pay an individual tax bill directly from a checking or savings account at no cost. Also available are the following options: preauthorized Direct Debit, the Electronic Federal Tax Payment System (EFTPS), an electronic system to pay federal taxes via the Internet or by phone for free and paying by debit or credit card using an electronic payment service provider for a fee. 

Private collection agencies under contract with the IRS are required to conform to the rules, regulations, and provisions of the Fair Debt Collection Practices Act. Specific provisions of this

Act prohibit private collection agencies from threatening or intimidating taxpayers. If you do not wish to work with an IRS assigned private collection agency to settle your overdue tax account, you must submit this request in writing to the private collection agency. However, the IRS does have the legal authority to take these types of enforcement actions to collect an overdue account.

Don’t start sending payments unless you can pay the whole debt. The IRS is tricky, they will apply your payments to the newest tax debt, not the oldest. Any payment you make, or any payment plan, also stops the statute of limitations of 3 years for bankruptcy discharge on filed tax debt.

So, if you can’t pay your tax debt, expect collection agencies to bother you, don’t send payments to anyone other than the IRS, don’t start sending payments if you can’t pay the whole debt in a reasonable time, and think about calling Geraci Law. For more info, read the Complete Book on Bankruptcy https://bankruptcybookbypeterfrancisgeraci.com/Book33.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 30,000 5-star reviews 5starsince November 2016!

Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com

If I am Married, Can I File Bankruptcy Alone?

Will my bankruptcy affect my spouse?

Below is an article written by Attorney Peter Francis Geraci, you can read more articles at https://www.infotapes.com/Articles.

If I am married, can I file a bankruptcy without my husband or wife? 

There are a lot of different answers so don’t expect to call us and get the right answer without a virtual or in-person consultation (which is free) with an experienced Geraci Law attorney. You will have to provide some detailed info to get a reliable answer.

. Married people file jointly, or separately, or just one. You can file alone. Filing a “husband and wife” case saves you on fees and costs. But there are reasons NOT to file joint cases, and reasons you should file together.

Example #1:  “I have credit card debt I can’t pay and just got fired. My spouse makes $130,000 a year, but is not joint on my cards, but we have a joint checking account. I am on title to 2 properties with him but not on the mortgage. Can I file Chapter 7 and get a discharge

Answer: Probably not. Your household income is $130,000 even without you working. The Chapter 7 Trustee would object to discharge of your debt because the household income is sufficient to pay it. On top of it, you own ½ interest in real estate, and only a Chapter 13 debt repayment plan would enable you to discharge your debt and keep your property interest.

Result: When you are back to work, see us about a Chapter 13 debt repayment plan if your spouse and you can’t pay off your credit cards. 

Example #2: “I just got married and have a lot of debt from before my marriage. It’s a second marriage and we keep separate accounts and have no joint property.   My spouse makes $130,000 a year, and pays all the household expenses, since I only make $25,000 a year. Can I file Chapter 7?

Answer:  Yes. Since there are no joint debts, accounts, or property, you are not a member of a “household” that can pay the debt, unlike Example #1 above. Depending on where you live though there are different applications of the “household rule”. You may qualify for Chapter 7, and if not, for a low Chapter 13 payment.

What to do if you are worried about your debt?

A. Please don’t call and expect an opinion on the phone. Have the courtesy to yourself of getting a half hour of free consultation with an experienced Geraci Law attorney.

B. Before you call for an appointment, talk to your spouse. It’s not like you committed a crime, you just have some debt. Your spouse may want to pay it, or may want to pay for your bankruptcy. Bad idea to try to keep it a secret.

so, there are some considerations, it depends on the facts, and there are a lot of secrets:

If you want to file a joint case, both of you must attend your first consultation. You can’t send hubby in by himself. That way you both hear the same advice. . Then you won’t have to go back alone and answer your spouse’s questions. Sometimes we recommend that one spouse NOT file, or that one file Chapter 7, and the other file Chapter 13.

1.   If you want to file your own case separately, that is ok. But if you living in the same household, we do have to know the total household income, and if spouses are keeping separate income and expenses. But one can file without the other.

2.   Wisconsin is one of 8 community property states. You can’t get rid of community debt by filing alone. But if you file alone, your creditors can’t attach community property as long as your non-filing spouse does not file. The same with a residence in Illinois or Indiana held as tenants by the entirety. 

3.   Many people have debts that they had before the marriage. A spouse is not liable for the other spouse’s pre-marital debts.

4.   Domestic support obligations, attorney fees to the other spouse in most cases, and guardian ad litem fees, and property settlement obligations, are not dischargeable in Chapter 7. In Chapter 13, domestic support obligations must be paid, and you can pay arrears ahead of other creditors. Also, in Chapter 13, property settlement obligations that cannot be discharged in Chapter 7 may be discharged. So, you need an experienced attorney if you have marital debt issues.

5.   Your filing does not affect the other spouse’s obligation to pay debts they are liable on. In community property states, like Wisconsin, your bankruptcy leaves your spouse with any debt incurred during the marriage, unless the spouse also files. But then your creditors can reach the other spouse’s community property, although it might be exempt.

6.   If you ran up the bills during the marriage, even though your spouse did not sign for the debt, or even know about it, your creditors may be able to collect from your spouse. Many states have “family expense” laws that make one spouse responsible for the debts of another if the debts were incurred for family purposes. The theory is that each spouse owes a duty to immediate family members to support them. Food, clothing, rent, medical bills and household items can be the responsibility of the other spouse.

7.   Sometimes one spouse will send the other one in, because they don’t want to pay the other’s bills. Then, instead of sending money to bill collectors, you can send your money to your own family. It makes for a happier marriage.

8.   Sometimes you are involved in a “bust-out scheme”, where you and your spouse loaded up your cards on purpose, and now plan to get rid of the debt. That may raise objections by creditors and the U.S. Trustee, depending on the facts.

Therefore, while you may be able to file a case alone, you may have to take into consideration both your spouse’s income, even if you keep your income and expenses separately, and any liability your spouse may have for your debts. You can protect your spouse from this liability by a joint filing, or, you can pay the debts that your spouse is liable for in a Chapter 13. Then, while you make the Chapter 13 payment, no creditor can bother your spouse. The same theory applies to co-signed debts.

This is one area where an experienced Geraci Law attorney is worth their weight in gold!

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

Will I be Able to Get Credit Again After Bankruptcy?

Attorney Peter Francis Geraci (PFG) answers the question everyone wants to know but is afraid to ask!

Attorney Peter Francis Geraci’s “The Complete Book on Bankruptcy” answers questions about complicated bankruptcy matters. Chapter 28 is titled:

 Will I Be Able to Get Credit Again After Bankruptcy?

Below is an excerpt from this chapter. You can read the entire book at https://www.bankruptcybookbypeterfrancisgeraci.com/ A fresh start is sometimes all you need!

Why would anyone be happy about having to file a bankruptcy? The answer is, you’re not happy because you have to, but because you can. If there were no bankruptcy laws, you would have no way out of financial trouble.

The bankruptcy laws, and how they can help you, are not known to the general public. When a person finds out that they can get out of debt, and start fresh, without giving up any possessions, they are generally very happy. No one files a bankruptcy case unless they have to. If you have the money to pay your bills, pay them! If you don’t, read this book, contact a bankruptcy lawyer, get the proper advice, and have a happy bankruptcy! It is possible.

Why would you be happier if you kept your house, kept your vehicle, kept your pension, kept your household furnishings, and had no debt, and could save money each month for retirement? Why wouldn’t you?

Realize that if you have $20,000.00 in credit card debt at 18%, and just make the minimum payments at 2.5% of the balance, never using the card again, it will take you 37 years to pay it off. Go to our website, http://www.infotapes.com, and follow the links to msn.money.com, and bankrate.com. You will find useful financial calculators on those sites. Plug in your debt, and see that once you can pay only minimums, you have a life sentence of debt.

Why should you have a life sentence of debt? Be happy! Don’t worry! If you can only pay minimums, collectors are calling, you have to charge necessities, you may be better off filing Chapter 7 and getting a discharge of that debt. You might also file Chapter 13, which is a no-interest debt repayment. You could take that $500 a month and repay it in full without interest over less than 48 months.

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

Bankruptcy Chapters

Did you know there are SIX chapters of bankruptcies?

Did you know there are SIX types of bankruptcies? Bankruptcy is one of the oldest laws. Geraci Law is a consumer bankruptcy law firm focusing on individuals needing help with personal debt.

Most common bankruptcy types (also mainly for consumers) are Chapter 7 and Chapter 13. Some resources to read about Chapter 7 and Chapter 13:

But what about the other 4 types of bankruptcies?

Chapter 9

This bankruptcy chapter is for cities, towns, counties, school districts – basically any municipality. The largest Chapter 9 bankruptcy filing was the City of Detroit in 2013. Filing a Chapter 9 bankruptcy protects municipalities from collectors and creditors while the city/school district/town/county creates a plan for their debt.

Chapter 11

You CAN file a Chapter 11 bankruptcy as an individual but so can a business. Similar to a Chapter 13, Chapter 11 is a reorganization of debt. In Chapter 11, an individual can keep operating the business and assets are not sold or auctioned to pay debt (unlike a Chapter 7).

Chapter 12

This is a very specific Chapter to family fisherman and family farmers struggling to pay debt. Like a Chapter 13, a repayment plan is spread out over the course of three to five years.

Chapter 15

This Chapter was added to the United States Bankruptcy Code back in 2005. Basically a debtor who has assets outside of the United States would file a Chapter 15 to cooperate with foreign courts.

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

Is Bankruptcy Bad?

No. Bankruptcy is GOOD! Bill collectors, however, have us hypnotized that we need “credit” and we have to pay til we die so we have “credit.”

So many people believe bankruptcy is bad – it’s really the opposite. It could be the fresh start so many of us need during this pandemic.

Attorney Peter Francis Geraci answers the question on everyone’s mind – Is Bankruptcy Bad?

Is Bankruptcy a Bad Thing?

No. Bankruptcy is GOOD! It’s in the Bible, and it’s been in the U.S. Constitution since 1787. Bill collectors, however, have us hypnotized that we need “credit” and we have to pay til we die so we have “credit.”

The real question is, “if I get debt discharged in bankruptcy,” can I get into debt again? Can I buy a house and car? Can I get another credit card and start fresh?

Can I Get Credit Again After Bankruptcy?

Yes, Yes, Yes and Yes! You CAN get into debt again, buy a house and car, get another credit card, and start fresh. Here’s why:

Bankruptcy means you list all your debts and ask the Court to discharge your obligations as much as possible. Both Chapter 7 elimination and Chapter 13 repayment end with you getting a Discharge.

As soon as you file, all collection actions must stop, with a few exceptions. Most people who file have bad credit, and a credit score in the 500’s. You cannot get credit when your credit is bad.

So, how does your credit get better by obtaining a Chapter 7 or 13 discharge?

  1. Your debt to income ratio improves: You have less debt.
  2. Your credit score improves, unless you’re unemployed, because now you have less debt.
  3. Creditors see that you can afford to repay them, whereas before your discharge everyone was after you. Find out why we call it “THANKRUPTCY.”
  4. Most car dealers will finance a brand new vehicle for you the day you file Chapter 7. Amazing, but TRUE. Go ask them. We get many people who are told by the car dealer to go file Chapter 7 and then come back to get financing.
  5. You can’t buy a house when you are subject to lawsuits. You can buy a house after bankruptcy discharge. With a bankruptcy Discharge, most creditors can’t sue you and attach a lien on the house, or grab your paycheck so you miss house payments. You are instantly way more reliable with a discharge of debt. Wait two years, save some money, and apply for your mortgage.

So, if you’re overloaded with debt, don’t be afraid of getting a fresh start. Bankruptcy is not bad, it’s GOOD. Read some of our over 30,000 5-star reviews for actual stories from real Geraci Law clients just like you.

Bankruptcy is a safety valve. Most of my clients have credit scores below 600. Go to Infotapes.com for access to a free credit report. Owing money you cannot pay is bad. Most people end up without money because of circumstances beyond their control. Bankruptcy adjusts the debt situation to 0 again. You start out even. You get a fresh start, while still keeping the necessities of life. But the prevailing attitude about bankruptcy is that is “bad.”

Bankruptcy is in the Constitution

Bankruptcy was so important to the Founding Fathers of the United States, that, when the U.S. Constitution was written in 1787, they directed Congress to make uniform bankruptcy laws. Article III, Section 8 of the United States Constitution states: “Congress shall make uniform laws relating to Bankruptcy.”

There was little disagreement between the Founding Fathers of the United States of America, when it came to having a bankruptcy law. Freedom from debt was important, and so was the ability to start fresh. Bankruptcy is more fundamental to the United States of America than freedom of the press and freedom from unreasonable searches and seizures.

Bankruptcy is in the Bible

The origin of bankruptcy can be found in ancient traditions, like the Bible, Deuteronomy 15.1: “In the 7th year, each creditor shall release his debtors. This shall be known as The Lord’s Release.” In the Old Testament, it was the policy that a debt could exist only 6 years, and should be relaxed or forgiven in the seventh year. The purpose was to prevent damage to society by allowing a debt to live forever. The lender was cautioned to lend only as much as the borrower could reasonably be expected to repay.

There are other Biblical references to debt, such as St. Paul’s admonition in Romans 13:8; “Strive to owe no debt, except that debt that binds us to love one another.” I have found nothing in any religion that states that owing money to another is “good.” In the Koran, there is a prohibition against lending money at interest. In most Moslem countries today, Moslems borrow at no interest from “banks of the faithful.”

Bankruptcy is not “Bad.” Bankruptcy is a fundamental right with origins deeply rooted in our history and heritages.

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.

How to Find the Best Bankruptcy Attorney for a Reasonable Fee

Why pay the same and not get the name?

Below is an article written by Attorney Peter Francis Geraci. Read this and more at https://www.infotapes.com/Articles.

Here is an “unknown” attorney advertising for bankruptcy on Google Local Leads. Know that when choosing a lawyer, there are BIG differences!  Anyone with $10 can put up a Google Ad. This person looks nice, but is

a. a one person shop

b. less than 20 reviews and other ratings not good

c. claims to have 5 office locations  sure, how when you are 1 person?

d. Licensed for over 10 years but nothing to tell where, no CV on website. (sure sign of trouble)

e. lists a cell phone for an office phone

f. claims to answer every call in person! and text. must be very busy. or not.

g. apparently just blew into town? claims to have experience but no clue where

h. only speaks English 

f. LICENSE? one revoked, probably abandoned, just resigned another, only remaining license just “updated”. no mention of federal court admission which is required for bankruptcy law. Probably has a federal license, but kind of sloppy not to mention it.

So, you pick this ADVERTISEMENT? why? because you have an inferiority complex, you don’t know how to select an attorney, you think you are going to “get a cheap lawyer” for a 50 page federal bankruptcy filing to eliminate 40,000 in debt and get experienced advice?

Then you find out that ALL LAWYERS CHARGE ABOUT THE SAME, MOST EXACTLY THE SAME, for Chapter 13, and within a couple hundred of each other for Chapter 7, depending on the type of Chapter 7, and there are over 15 types!

Seems to me this attorney is one step away from bankruptcy, totally unknown, working out of a basement, instead of 100 attorneys and staff, 500 years of combined experience, 40,000 FIVE STAR REVIEWS, real offices, Client Corner portal, PFG Debtor Education, and more!

We don’t like to “sell against the competition” but they sure like to do it to us….paper does not refuse ink, and Google doesn’t refuse paid ads!

Be careful. Why? Rumor has it that that attorneys FIRED from law firms for making phony entries about client matters, or just plain incompetence, or hiding their past, end up as solo practitioners, legends in their own mind.

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.

Need help turning on the AC? Utility debt and bankruptcy!

It’s hot in Chicagoland and if you are worried about your electric bill and running the AC – check out Chapter 24 of Attorney Peter Francis Geraci’s “Complete Book on Bankruptcy.” Utility bills can be discharged in a bankruptcy. Excerpt is below, check out the entire book @ https://www.bankruptcybookbypeterfrancisgeraci.com/

CHAPTER #24 Gas, Cable, Electric, & Phone Bills

Gas, electric and telephone (utility bills) can be dealt with in a bankruptcy. If they are current, they should not be listed on a bankruptcy petition. If they are more than 3 months past due, they should be listed, because you can be protected from utility shutoffs, and continue getting utility service without paying the past due bills, in many cases. Most states have laws which say that public utilities cannot refuse to give you service after a bankruptcy, even if you had a bill with them that you are discharging.

For instance, if your electric bill is behind $600, and your regular monthly bill is $75.00, but your electric is shut off because you were so far behind, a bankruptcy will be of great help to you. I will list the electric company as a creditor, and provide you with documents that you must carry in person to the electric company. They will zero out your bill. You then can get service turned on, providing you make satisfactory deposit arrangements. Usually, the deposit would be 2 times an average bill, or 2 x $75.00. This may be payable in installments over several months.

So, you can see that, if you are severely behind in your utilities, and have enough other bills to warrant filing a bankruptcy, you can get your past due utility service up to date very quickly with very little money.

Cell phone carriers may shut off your service if you owe them money and file. The same with cable companies. Most will turn it back on when you provide them with the bankruptcy papers and catch up. Usually our clients only list those providers that are already shut off, so this is not a problem.

The only problem with clients whose utility bills are past due, is that it is a signal that the have problems that bankruptcy cannot solve. Not paying utility bills is like not paying your rent. Unless that is caused by a temporary disaster, you may need more income to live normally. If you don’t have enough income to pay necessities, you may find yourself back in the same situation again very soon after a bankruptcy. (see the Chapter on What Bankruptcy Won’t Solve)

Problem: Mrs. Wilson has 3 finance company loans, 4 credit cards, and a big hospital bill that was not covered by insurance. Her house payment is 2 months late, because she paid the other creditors instead of paying the house payment. Her gas bill is $600 behind, and her lights are off.

The Peter Francis Geraci Chapter 7 or 13 Solution: If she files a bankruptcy petition, her utilities can be “zeroed out”, and her outstanding balance reduced to nothing. She starts fresh with the utility companies, and will only have to put up a deposit in order to get service again. Of course, she will have to remain current in the future.

A Chapter 13 will pick up the past due mortgage payments and prevent collection by the other loans. Of course, there is no sense filing a Chapter 13 if she cannot meet her mortgage, utilities and Chapter 13 payment regularly in the future.

It may be better to file a Chapter 7 in such a case, and perhaps sell the house or live out the equity without making any more mortgage payments.

Reaffirmation Agreements and Mortgages – if the mortgage company fails to offer me one?

Reaffirmations on Mortgages in Chapter 7. You don’t need one, but if you can’t get one, here’s what to do!

Below is an article written by Attorney Peter Francis Geraci regarding reaffirmation agreements. Reaffirmation agreements can be complicated, use below as a guide to answer questions like – What do I do if I want to refinance and did not reaffirm my debt? My bank is telling me to reopen my Chapter 7 case and my attorney is telling me no. And more!

Read more articles like this @ https://www.infotapes.com/Articles

Reaffirmation Agreements and Mortgages – if the mortgage company fails to offer me one? – by Attorney Peter Francis Geraci

Under Chapter 7, your mortgage lenders get notice of filing the day we file your case.  The court sends notice, and most lenders search daily for new bankruptcy filings. Your petition includes a “statement of intention” to reaffirm, redeem or surrender the property. The lender then

  1. ceases any collection activity if you are late,
  2. may want a letter from us stating you can talk to them direct
  3. may stop sending you statements, and cancel   auto pay and online access (you may have to mail payments 5 days before due)

If you are current and want to keep the property, and your lender acts goofy like this, it can be a pain!   It may be as simple as

  1. call your lender and say: “ I want to continue payments, and statements”
  2. ask them what they need so you can keep on paying and have online access
  3. tell them you want to “reaffirm” your personal liability (they already know this)

What does “reaffirmation” of my personal liability on a mortgage have to do with paying them?   A “reaffirmation” makes your personal liability survive discharge, so if you default, and they foreclose, and sell the property, and don’t get enough to cover the loan, they can come after you personally. A reaffirmation doesn’t affect the validity of your mortgage, or your ability to pay it.  And they charge you $800 or so for preparing one.

Does it matter if my lender doesn’t want a reaffirmation of my personal liability?   No. It shouldn’t. Your bankruptcy included a “statement of intent to reaffirm”.  If you checked yes, it doesn’t mean much except you are OK with your personal liability on the mortgage surviving discharge. 

Who decides if the lender wants to enter into a “reaffirmation”?   The lender decides. Not you or us.

Lenders always send your info to their attorneys, who prepare the “reaffirmation” and send it to us. (Unlike credit unions, mortgage companies don’t do their own paperwork, they won’t send anything to you, or to us. They have their attorneys do it. So all you can do is tell whatever mortgage servicer to start taking your payments, and if they feel like it, you are OK with signing a reaffirmation, if they will prepare it.   No lender will sign anything prepared by you or your lawyer. Lenders will NOT prepare a “reaffirmation” if

  1. you are behind in any payment, taxes or insurance
  2. you are in some kind of forbearance, loss mitigation
  3. they don’t want to (maybe they sold your loan, or lost the original paperwork)
  4. they don’t have a valid lien on your property, etc. etc. etc.

If my lender wants to prepare a ‘reaffirmation” when do I sign it?   Before Discharge. The lender’s attorney must get us their reaffirmation so you can sign it before Discharge, about 4 months after filing of a Chapter 7. You can ask us to delay discharge if no reaffirmation before Discharge.

 Do I need a reaffirmation agreement to keep my house?  No.  Your mortgage is not affected.  You don’t need a “reaffirmation” to stay current.

If the bank allows me to reaffirm my liability on the promissory note, why should I sign a reaffirmation?   Lenders may refuse to report your payments to a credit bureau, or make any number of bizarre excuses for aggravating you, and say “You didn’t sign a reaffirmation, call your lawyers and have them reopen the case and send us one,”   They are just trying to get rid of you.

  1. Write down the Name, Employee #, contact info of anyone who tells you such nonsense, they might be located in China or India.
  2. Ask to speak to a supervisor.  Ask them to put the nonsense in writing.  Contact us with the details so we can help.

 If your mortgage company stopped reporting to the credit bureaus, and won’t accept your request to start reporting,

  • Request a payment history from your current mortgage company. Send this payment history to the 3 credit bureaus showing timely payments after bankruptcy discharge to show there are no missed payments.
  • Send your mortgage company a letter in writing stating:
  • You want the mortgage company to report both the timely and missed mortgage payments to Transunion, Equifax and Experian.
  • You do not consider the payment history reporting to the credit bureau a violation of collections.

Let your lawyers at Geraci Law know EXACTLY what the problem is, (who what where and when, take notes) if you can’t solve it with your lender.  We are pretty good at figuring things out, and there is NO charge for helping straighten out a mortgage lender, we do it all the time!  Don’t take bad treatment from a mortgage lender or servicer personally, they do it all the time.  The hotline for the federal Consumer Financial Protection Bureau is at https://www.consumerfinance.gov/

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 Ready to Help Folks in New Albany, IN!

Geraci Law is ready help folks in New Albany Indiana and Southern Indiana! See pictures from PFG’s trip to New Albany.

Attorney Peter Francis Geraci and Attorney Robert (Rob) Brynjelsen took a road trip to New Albany, Indiana. Geraci Law is now handling Chapter 7 and Chapter 13 bankruptcy cases in New Albany, Indiana.

Fun facts about New Albany, Indiana!

  1. New Albany High School was the FIRST high school in Indiana.
  2. Edwin Hubble taught at New Albany High School from 1913-1914. For those who do not know – Hubble is the astronomer namesake of the Hubble Space Telescope.
  3. William Culbertson was once considered the wealthiest man in Indiana and built Culbertson Mansion. You can visit Culbertson’s now!
  4. Midwest Grain Products (formerly Seagram’s) is one of the world’s largest distilleries. Based out of Lawrenceburg Indiana (so just a few miles east of New Albany).

PFG and Rob enjoyed their trip to New Albany, some pictures:

Great sign to the entrance of Downtown New Albany with a history lesson!
Rob and PFG visit our New Albany office landlord – Geraci Law ready to help in New Albany!