Geraci Law in Central Illinois!

Central and Southern Illinois – Geraci Law is here for you! Are you buried in debt? Are you struggling to pay minimums? Do the balances just not seem to go anywhere? We’re the firm to help you figure out a solution to your debt problem.

Central and Southern Illinois – Geraci Law is here for you! Are you buried in debt? Are you struggling to pay minimums? Do the balances just not seem to go anywhere? Combined Geraci Law staff has over 800 years of bankruptcy experience. We’re the firm to help you figure out a solution to your debt problem.

If you hire Geraci Law, only attorneys handle your legal work. We believes this provides you with the best service and experience. You are not meeting with petition preparers or paralegals – you are hiring a Geraci Law attorney. We can meet with you virtually anytime, anywhere!

Geraci Law bankruptcy attorneys can help in central Illinois for cities including Kankakee, Bourbonnais, Minooka, Champaign, Danville, Bloomington and Decatur. We’ll even help everyone in Illinois’ capital of Springfield.

Want to learn more about Geraci Law?

We have a ton of resources for you:

Our web sitewww.infotapes.com – you can schedule appointments online!

Free bankruptcy counseling videos  – https://www.infotapes.com/Bankruptcy/BankruptcyInformationVideos

Read Peter Francis Geraci’s Complete Book on Bankruptcy – https://www.bankruptcybookbypeterfrancisgeraci.com/

Read articles written by PFG!https://www.infotapes.com/Articles

Meet some of our Geraci Law team!

Attorney Ashley Chike

She’s a Senior Court and Managing Attorney. She’s handle over 1000 virtual appointments, and she has extensive experience evaluating income, expense, and property and debt information to provide the best solution for the client.

Ashley double-majored and earned her JD/MBA from Loyola University of Chicago and was inducted into Alpha Sigma Nu Honor Society by graduating in the top 10% of her class. Ashley has personally filed over 900 bankruptcy cases and appeared in court over 7,000 times for clients.

Attorney Jonathan Parker

He’s a Senior Court/Managing Attorney and we think he’s one of the best consumer bankruptcy attorneys in the USA.

Jonathan earned his JD from the University of Wisconsin Madison Law School and earned a BA from Northwestern University. He’s licensed in Wisconsin & Illinois.

Attorney John Sadler

He’s both a Senior Court Attorney and a Senior Managing Attorney. We think he’s one of the best consumer bankruptcy attorneys in the Country. John’s been with the firm since 2011.

Attorney Sadler was born and raised in Bloomington, Indiana. John Sadler attended law school at the McKinney School of Law in Indiana and is dual licensed in Indiana & Illinois. He’s handled tens of thousands of Chapter 7 & 13 matters and is one of our nicest attorneys.

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 Weekend From Geraci Law!

Want to discuss debt? Need some help with a budget? You can call us at 800 CALL PFG – we’re ready to help you even on Saturdays! Lots of helpful resources at http://www.infotapes.com.

Want to discuss debt? Need some help with a budget? You can call us at 800 CALL PFG – we’re ready to help you even on Saturdays! Lots of helpful resources at http://www.infotapes.com.

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.

Chapter 10-What is the Real Price Difference Between Bankruptcy Lawyers?

An excerpt from Attorney Peter Francis Geraci’s “The Complete Book on Bankruptcy.” Learn more about misconceptions about bankruptcy!

You may be thinking about bankruptcy. You may have called a couple of law firms. Geraci Law can help you. Below is an excerpt from Attorney Peter Francis Geraci’s Complete Book on Bankruptcy about the REAL price difference between bankruptcy attorneys.

From Chapter 10 – What is the Real Price Difference Between Bankruptcy Lawyers?

I have found that there is very little difference in attorney’s fees. You can’t save more than a couple hundred dollars between lawyers’ fees for the same type of case. Some people like cheap doctors, and some people like cheap food. Some people pick attorneys by a $100 difference in price, not realizing that one deal your attorney makes can save or cost you thousands.

So, the cheapest lawyer in town is not necessarily the best. In other words, go for experience, not price, because there is not much difference in fees for consumer bankruptcies, but there is a big difference in the quality of the advice and service.

For instance, let’s say that 5 years later, a bill collector calls and says you left him off your petition, and he wants to be paid. Will you be able to call your attorney who did the Chapter 7, for advice, or will the telephone be disconnected? If it is Geraci Law, yes you can. 7 am to 7 pm and Saturdays until 1 PM. All your records are electronic. No voice mail either.

Usually, Chapter 7 fees can be paid in installments of as low as $100 a month. Chapter 13 Plans including attorney fees are as low as $95 biweekly. If you can’t afford $100 or $200 a month, you may have to ask friends or family to help you out.

In my opinion, anyone “shopping for fees” for a bankruptcy attorney, is not thinking clearly. If you can clear $10,000 in debt, tax free for $1500, it is a bargain. 10 payments of $150 or even $200 is a bargain.

Chapter 13 cases are even more of a bargain. In almost every state, the attorney fee is exactly the same. Most Chapter 13 cases get filed “no money down”, because it’s a repayment plan. Your attorney gets paid from your Chapter 13 payment, which takes care of attorney fees and all debt. Your Chapter 13 payment could be as low as $95 bi-weekly, or more depending on what debt you are paying back.

Geraci Law represents people on Social Security with low income, and people making over $100,000 a year. Anyone quoting the same fee for any case, on the phone, may be engaging in “bait and switch” tactics. But, if you are really were just looking for the cheapest lawyer in town, sadly for you, there are some poor lawyers at the bottom of their career that will work for free. You kind of get what you pay for.

Geraci Law is the largest filer of bankruptcies in Illinois Indiana and Wisconsin, and you will generally find that the largest law firms probably have the happiest clients, and about the same fees, when you get done, as the all-by-myself attorneys.

Lawyers that claim to be “cheap” can often end up costing you more! Beware of “cheap fee quotes on the phone”

In most Chapter 13 cases, you are saving a lot of money on interest, so the cost is less than paying the creditors at their contract rate of interest. However, Chapter 7 cases are usually cheaper than Chapter 13 cases in terms of total cost. Many “cheap” lawyers don’t know the difference between Chapter 7 and Chapter 13, so if you go there, you won’t know either.

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.

Have a Great Weekend!

Enjoy your weekend. If you want to talk about debt – we’re here for you.

Have a Great Weekend!

If you are thinking about finances this weekend, check out the budget we use. It’s a great idea to know where your money is going. Questions? Need help? We’re here at 800 CALL PFG.

Fill out your budget 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 25,000 5-star reviews 5starsince November 2016!

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

Happy Easter from Geraci Law!

Geraci Law staff wishes a Happy Easter and offers some shelter in place ideas.

Happy Easter from Geraci Law!

Geraci Law wishes you and your family a Happy & Safe Easter! It’s not the Spring or Easter we were expecting. If you are struggling financially right now, we’re here from 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

Some tips from Geraci Law Staff during shelter in place: 

Attorney Jason Kara – have a theme night – even though you cannot go to the beach, bring the beach to you!

JAK

John Senese – playing dress up is ALWAYS a good plan.

SEN

Elizabeth Doren – if you have preschoolers at home, buy activity books on Amazon or the Dollar Store for $3-$5.

EMS

Beware of Debt Validation Mailers

Beware of Debt Validation Mailers – Call PFG 

Beware of direct mailings with the words “Validation Notice!” Scammers are sending out notices claiming a “firm” validated debts with various creditors. The offer is to settle or “reduce” outstanding balances.

The “firm” threatens if no response in 10 days then the balance adjustment is no longer a possibility. These scammers must purchase data from credit bureaus if they know who you owe. Is it debt settlement? Is it debt reorganization? Is it a scam? You can’t tell!

Bankruptcy IS a solution. Geraci Law experts are here to help. A free consultation with a Geraci Law attorney could provide options to either eliminate or consolidate debt with a Chapter 7 or Chapter 13 bankruptcy.

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 Attorneys Attend Reception for New Judge!

190802 Investiture

Geraci Law Wisconsin Attorneys (from the left) Andrew Golanowski,  Lisa Ellmauer, Brent Berning, Robert Crawley, Kathryn McKenzie, Felicia Petroff and Ann Kramer attended the Investiture Ceremony and Reception for the Honorable Katherine Maloney Perhach at the US Courthouse for the Eastern District of Wisconsin.

Geraci Law Attorneys at NACTT

Geraci Law attorneys attended the National Association of Chapter 13 Trustee’s convention in Indianapolis on July 18-July 20.

Group 1

From left to right (front row) are Attorneys Nathan Curtis, Bridget Spears, Evan Garrapy, Peter Francis Geraci, Thomas Barbour, Patrick McMulty. From left to right (back row) Attorneys Frank Hernandez, Chad Garrapy, Anthony Shull, John Sadler, Erik Dickinson.

TUC

Geraci Law attorney Bridget Spears poses with the bronze statue of Themis, Greek goddess of justice, at the Capital Grille in downtown Indianapolis. Geraci Law headquarters in downtown Chicago has a similar statute.

Dog

Well doggone it! Geraci Law Indianapolis South did a Pro “Bone” O case for this friendly walk-in. We had to help him with the paperwork though.

NAT

Geraci Law Attorneys Nathan Curtis and Peter Francis Geraci visited the Indiana Supreme Court. It is housed in the Indiana State building. Built in 1883, of Indiana limestone from Bedford County. Building is unusual in that it still houses all 3 branches of government, the governor’s office, the Supreme Court, in the state legislature. The Indiana Supreme Court, unlike many other states, travels to various counties to hear cases.

supreme-court.jpg

Indiana Supreme Court has 5 justices. This is the original 1883 courtroom which is still in use, and all its furnishings are original. The room is as long as it is high as it is wide. It is a cube. The idea of the architect was that “all sides are equal”

pfg-supreme-court.jpg

This is where the Indiana Senate meets! The carpeting on the floor  represents the 18 states in the union when Indiana was admitted. Surrounding the big star, number 19, represents Indiana.

Lincoln

Abraham Lincoln lived in Indiana after moving from Kentucky as a boy.  He often returned after moving to Illinois when he was about 20 years old. There are many references to Lincoln at this Indiana State Capital .

artium

This is the inner atrium of the Indiana State Capital.  The capitals of the columns on the 1st floor are Doric, on the 2nd floor they are Ionic, and on the 3rd floor they are Corinthian.

ROB

Geraci Law Attorneys Robert Brynjelsen and John Sadler enjoy a toast to Indianapolis!

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.

Bankruptcy Attorney Abraham Lincoln

Do you know that Abraham Lincoln was a bankruptcy lawyer? That’s right. In 1841 Honest Abe was practicing law in Springfield Illinois. Congress passed a bankruptcy act, and there was an economic depression. A lot of people just like you came to Abe’s law office on the 2nd floor, near the courthouse in Springfield, and filed bankruptcy to get a fresh start.

Lincoln had experienced financial failure, when he was running a general store in Salem Illinois.

He did not have modern bankruptcy rules to protect him.   Lincoln had to sell his stake in the store and after his partner died. He was responsible for approximately $1,000 in back payments. Lincoln was sued by his creditors and was required to pay the debt over a 17 year span.ABE

Now, you can stop creditors from suing you and taking all of your belongings, by either Chapter 7 or Chapter 13 bankruptcy protection.

Lincoln and his law partner Attorney Stephen Logan handled more than 70 bankruptcy cases in the year and a half that the bankruptcy law of 1841 was in effect. Over half of all of Lincoln’s law cases during his career before he was elected president involved debt collection, or defense against collections.

Thankfully, we have bankruptcy law in place to protect assets and provide a fHorseresh start. If Lincoln had the same rules we do today, he could have retained his assets (a horse and some survey gear) and repaid his debt over 3- 5 years, instead of 17 year plan.

Attorney Peter Francis Geraci has little Lincoln connection! His great great grandfather, Francis a Hoffman, was one of the founders of the Republican Party in Illinois, and ran for Lieut. Gov. on the Lincoln presidential ticket, serving as Lieut. Gov. of Illinois during the Civil War.

Do you need relief from your creditors? Geraci Law is ready to help. Attorneys and staff are well-educated in complicated bankruptcy rules and ready to assist you in debt relief.

If you are working full time, and have debt, just dial 1-800-CALL-PFG for a free phone mini-consultation or log on to infotapes.com to make appointments online 24/7.

Read more at www.bankruptcybookbypeterfrancisgeraci.com