Category: Peter Geraci

My car was repossessed or impounded– can bankruptcy help get my car back? HELP!

Dial 1-800-CALL-PFG for a free phone mini-consultation! Chapter 13, Chapter 7, or other options may be your solution to vehicle repossession or vehicle impounded by cities.

Rule # 1:   “Don’t wait to dial 1-800-CALL-PFG.  Why?  Whoever snatched it will run up crazy storage charges as much as $100 a day! Even worse, it can get damaged in the tow lot, and can be sold for the storage and towing charges.Car Repo

Rule #2:  If your vehicle has a lien on it, and it is not repossessed by the finance company, ask the finance company to get it out.  Sometimes they will.

Rule #3:   If you have regular employment or pension income, and can fund a Chapter 13 repayment plan, Geraci Law may be able to get your vehicle released in ONE DAY!  Bring us proof of income, the vehicle papers and title, liability insurance (full coverage if financed) to see if you qualify.

Rule #4:  If you don’t want the vehicle, because it is old, broken or over-financed with no equity, think about filing Chapter 7 bankruptcy.  You may be able to finance a good 2 year old vehicle the day after filing Chapter 7. Family Van

Rule #5:  Dial 1-800-CALL-PFG for a free phone mini-consultation!  Chapter 13, Chapter 7, or other options may be your solution to vehicle repossession or vehicle impounded by cities.

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.

Geraci Law Reverses Sheriff Sale

When you’re unable to make your payments on a house, a mortgage company may get a judgment of foreclosure. Then they pay the County Sheriff, or an appointed officer, to sell it at an auction. If you failed to stop a foreclosure suit, interfacing Sheriff Sale, read this.

When you’re unable to make your payments on a house, a mortgage company may get a judgment of foreclosure.  Then they pay the County Sheriff, or an appointed officer, to sell it at an auction.  If you failed to stop a foreclosure suit, interfacing Sheriff Sale, read this.

Here are some rules about stopping foreclosure:  File chapter 13 House2

  1. Before your mortgage company files a foreclosure suit
  2. Before a foreclosure suit goes to judgment
  3. Before a judgment proceeds to a Sheriff sale

In other words call Geraci law soon as you get behind, because the longer you wait, the more the mortgage company will cost you, and the harder it is. What if your house is actually been sold at a Sheriff sale?

Before coming to Geraci Law, a single mom filed a Chapter 13 with another law firm.  That case was dismissed, and that other so-called law firm told her there was nothing she could do. She was devastated, but her aunt told her to call Geraci Law. She inherited the house from her mother with her aunt on title.

Geraci Law filed a counter attack in the State Chancery Court. Before the sheriff sale, there are several court appearances and notices that must be “serviced.” She never lived at the residence that the mortgage company claimed to have served her at.

friends huggingGeraci Law was able to prove the client was not property served with the foreclosure notice. The judge sided with Geraci Law and the sheriff sale was REVERSED. The woman called for a group hug in the court room ecstatic by the work of Geraci Law. Then, Geraci Law filed a 2nd Chapter 13 to repay the past due mortgage and force them to take her future payments.

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 more at www.bankruptcybookbypeterfrancisgeraci.com.

Stop Foreclosure – Can Geraci Law Help You?

Do you want to keep your home? Can you afford the home but not the arrears in a lump sum? Geraci Law helps thousands of people save their homes.

Do you want to keep your home? Can you afford the home but not the arrears in a lump sum? Geraci Law helps thousands of people save their homes.

House

Can Geraci Law save my house?

We’ve helped thousands with a Chapter 13 interest free repayment plan that spreads your mortgage arrears over a 3-5 year plan. At the end of the bankruptcy, you’ll discharge any unpaid debt like credit cards, medical and be current with your mortgage.

“What about “loan modification”?   Don’t fall for scams.  Don’t pay any money for help.  Deal direct with your lender.  When you do, expect

o   they won’t reduce the amount you owe and rarely the interest

o   your term will go from 15 to 30 years, you will never own the place

o   it is usually a scam so you don’t pay while applying, and then they foreclosure

What do I do?  If you are behind in your mortgage, call Geraci Law to

o   eliminate or consolidate OTHER debt so you can pay your mortgage

o   stop foreclosure and pay past due amounts over 3 years or more

Loan modification scams:   just search on “Legal Helpers Debt Resolution” or “Morgan Drexen”.  Don’t be scammed! Call Geraci Law. Never send money to an internet scheme.

How does Chapter 13 help with mortgage foreclosure or past due mortgage payments?

  1. It forces your mortgage company to accept your payments going forward
  2. If forces your mortgage company to accept payments on arrears
  3. It consolidates your vehicles and debts so your mortgage gets paid first

How does Chapter 7 help with mortgage foreclosure?  It could eliminate your other debt to free up your budget to pay the mortgage.

Is it too late to save my house? Ask Geraci Law!  Geraci Law can file a case in as little as ONE day BUT you shouldn’t wait until the last minute. Sooner is better than later!

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 more 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 

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

Why is bankruptcy like baseball?

Geraci law knows how you feel when you’re in debt. Studies have shown most folks who would rather talk about their toilet habits or sex life than how much money or debt they have. Does this sound like you? You are 60 years old and live with a lot of economic uncertainty. You and your husband fight about money, often regret the purchases you make, and save nothing for retirement? Worse yet you have little or no pension, and you’re worried about healthcare?Baseball

For sure, you don’t know anything about the law, and you know even less about bankruptcy law. Bankruptcy is the Great American Law. Bankruptcy and baseball both start with the letter B.

Bankruptcy is a lot older than baseball.  The first officially recorded baseball game in U.S. history took place on June 19, 1846, in Hoboken, New Jersey: the “New York Nine” defeated the Knickerbockers, 23–1, in four innings

So you probably know a lot more about baseball than you know about bankruptcy. Bankruptcy and baseball are both good things. Baseball allows you to forget your troubles for 9 innings, and root for your home team. Bankruptcy allows you to get out of debt and get a fresh start so you’re not paying off old debt with money you should be saving for your retirement.

To find out more about bankruptcy and how it can

  • get you out of debt,    FlipBook
  • repay debts with NO interest
  • keep your pension, house, SUV and savings
  • allow you to save money,
  • protect your tax refund,

and more importantly, give you a sense of peace and financial freedom, dial 1 800 Call-PFG (800-225-5734), or visit infotapes.com. You can even read our new flipbook the complete book on bankruptcy by Peter Francis Geraci!

Make an online appointment 24-7 or get a free phone mini-consultation 7 a.m. to 7 p.m.