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  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!


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.


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.


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.


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.


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”


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.


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 .


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.


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  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!


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 to make appointments online 24/7.



Geraci Law Advice!

A woman came to Geraci Law with a financial problem. She listened to Geraci Law and here is what she said,

“I went to these attorneys after being Debt With student loans hospital bills they were there right there side. Several times at the bankruptcy lawyer petition me they inform 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.”

Read more of what Geraci Law clients say at

Paying Debt with Debt?

Consumer debt is growing every year.  Of course most people want to make progress paying OFF debt but for many it means taking out a personal loan.

Some believe personal loans or debt consolidation loans are a solution to get ONE payment at sometimes a lower interest rate. If you have several different bills, you can take a personal loan to have a single payment.

But is it a Band-Aid for a wound? Taking on debt to pay debt even at a lower interest rate does not eliminate the interest or the balance. Chapter 13 bankruptcies with Geraci Law are ZERO interest and structured into a 3-5 year repayment plan. A Chapter 7 eliminates debt meaning you have ZERO debt.

According to a study from online lender Lending Tree, the outstanding personal loan balances are close to $125 million! More and more people believe a personal loan is a debt management solution. Consider other options rather than the catch 22 of paying debt with debt!