Category: Uncategorized

Gurnee Geraci Law Clients Love PFG!

“Geraci Law has been a major impact in my life. I went from being in Debt to Debt free in matter of months. Marc is a great attorney to work with he’s at ease with his work! Thanks Marc. Geraci Law is the place to be.”

“Marc A. Affolter was awesome with helping me through this process. It was scary and intimidating at first, but he made me feel comfortable. He walked me through and explained everything step by step very thoroughly. I can’t wait to start over again and have another chance at a good credit score. Thanks Mark for the wonderful service. I would recommend this company to anyone who is looking for a second chance at recovering their credit and starting over.”

“The staff has always been extremely helpful and friendly! Scheduling appointments and making payments is easy with the text messaging system and app. I would definitely recommend their services to anyone in need.”

“Marc Affolter is a fabulous lawyer.  He made my case easy and was very comforting throughout this difficult time.  I highly recommend Marc and Geraci Law.”

“Met with Marc and Megan. They made my decision to file so stress free and easy!! No guilt, no blaming. I would highly recommend them to anyone. It’s so nice to be able to sleep at night now knowing I am getting a fresh start!! Thank you !!”

“Last week I decided  I couldn’t take it anymore, living from paycheck to paycheck, to only pay my debtors minimum payments, can’t provide for my kids, restless nights of no sleep, I decided it was time to deal with this head on. Made two appointments, one with  debt stoppers and the other with Peter Francis  Geraci.  Walked into debt stoppers at noon last week Thursday and came out more confused than went i went in, An hour after I walked into  PFG and  was greeted by Marc A Affolter  attorney at law whom from that point  change my life for the better. Marc is a very professional attorney who explained everything clearly so I could understand. He went above and beyond to make sure whatever we choose was the best for my financial beans for years to come. There isn’t one negative thing I can say about Marc Affolter and PFG Law firm. PFG is one of the best and I will recommend any  and everyone that is going  through the same thing  I was going through to seek your Financial help here.  I have seen light after the tunnel now  and my dark nights have turn into a sunshiny days all thanks to PFG..
Thank you so much Marc Affolter and a great team at Peter Francis Geraci..”

Geraci Law Tinley Park Reviews

“Geraci Law services is a very helpful and understanding firm. Cecil Scruggs was very warm and welcoming. He helped me with payment arrangements that fits my budget. He responded right away when I️ had questions. Thank you so much for your help!!!”

“Went to get the process of filing for bankruptcy. And the everything was a smooth and painless process. And really lifted a huge burden off me and my wife. And being able to get a fresh start. With our new baby. It I was and forever will be grateful to our bankruptcy lawyer. Mr Juan M. Villalpando. He was very kind thoughtful and caring.”

“Worked with this office and they were great. Everything was done in a very timely fashion, and I am now on the road to great credit. ALREADY!!!”

“Our attorney Mr. Clasing was so pleasant and patient through out the entire process. They are attentive to our needs and we receive immediate responses to any questions that we may ask via client portal. Thanks for making this difficult process so much easier.”

“Today I was feeling Down because I was making up my mind rather to file Bankruptcy I had an appointment set for 1pm when I arrived I was greeted with most exceptional customer service from the front desk. Once I sat down with the attorney he relieved my anxiety and made me feel at ease about my situation. I happy I made this decision to make a change in my life. The staff and attorneys at Geraci Law are the prime example of remarkable expertise. I would recommend anyone to them.”

What Geraci Law Aurora Clients Say!

“Everyone was very informative. Jason has been communicating with us and has responded promptly to our messages. Scott helped us with filing and was great, very personable and accommodating . I would highly recommend them!”

“Friendly environment, very informative, no hassles about payments, they work at your pace . Once you handle your part they do their part . Definitely was uneasy about filing . But Geraci’s associates were very upfront about everything.”

“My husband and I are happy to have chosen this law firm. Ashley and Alex have been very informative and understanding through all this. No one judged us. Thank you to Geraci Law.” 

“Alex is awesome! He’s very detailed in explaining and discussing whatever questions and concerns we have. Responds to emails quickly which is a plus. We feel comfortable and pleased with his expertise knowing how difficult it is to go through this process.”

“Great customer service. Very informative. Walked me through step by step. Answered all questions without judgement. Kind and caring people in difficult times. If ever ran into trouble again would not hesitate to go back. Will definitely let people know of the respect, care, and compassion from this firm.”

“Great people to work with,  Jason Kara of Geraci Law llc has been absolutely amazing. Very friendly, easy going and extremely helpful. Everyone has been very understanding and kind through this difficult time and I certainly would recommend them with confidence.”

“Geraci has been excellent service. I was always able to speak with someone when needed. They detailed the process and emailed and text every step of the way. The online website is great. Client corner is excellent. It allows you as the client to view and upload documents.  Also it allows you to make payments and communicate with your attorney. Overall excellent Service!”

“I was offered great customer service from my initial call to the time I filed. Alex answered all of my questions and made me feel extremely comfortable with my decision to choose Geraci Law during this difficult time. I would recommend to any and everyone who is looking for a fresh start.”

What 87th Street Clients Say About Geraci Law!

“My experience with Geraci Law was wonderful the attorneys were very knowledgeable and actually explained the process as well as what to expect later. If you ever think about or want to file bankruptcy Peter Frances Geraci is the way to go. Very Satisfied Customer.”

“My experience was absolutely great. The customer service was excellent. The staff members were very nice & polite. They were helpful & concerned for my needs. They also shared lots of helpful information & guided me alone the way. They are an awesome group of skilled professional team leaders whom I would most definitely recommend.”

“I came in very stressed and feeling over whelmed and Ricardo helped to ease that stress and showed me my options and was sensitive to my needs. I didn’t feel like just another customer. He was very knowledgeable and professional. My transition was Very smooth with no hidden fees and no misunderstandings. I highly recommend PFG to handle all your financial crisis needs.”

“I love how I taken care of by Jason, Lisa, there the phone calls that I made where everyone made sure I understand everything they told me all my questions were answered and they made sure it was helpful.  Thanks for all your help”

“This is the best bankruptcy law office ever. The attorneys were very helpful and had a lot of information to help with the process. Best choice I ever made. Looking forward to the 2nd chance. Thank you.”

“I want to take the opportunity to thank Lisa ( sorry I didn’t remember your last name) at the Cottage Grove location for her cordial assistance in making my conversion easier than expected and I also want to thank Sharon Hunt for making me feel relaxed before my 341 meeting, in which I was very nervous. Geraci Law is truly a name you can trust for Bankruptcy…. Period!!!”

IRS warns about a new tax refund scam

IRS said it has already received a number of fake tax returns that had accurate taxpayer names, addresses, Social Security numbers and even bank account information for the victims.

In an unusual twist,  bogus refunds were directed to the real taxpayers’ bank accounts. A criminal, posing as a debt collector, then contacted the taxpayers saying the refunds had been sent in error and the victims should forward the money to the crook.

Because these fake returns contained all of the taxpayer’s correct information, down to the right number of dependents, the IRS believes the scam started in tax-preparation offices. The agency assumes that the data was compromised because some preparers were taken in by phishing scams that then loaded malicious software onto their computer systems, making all the taxpayer information that was kept by these preparers vulnerable to theft.

Geraci Law Berwyn Clients

“Very easy to talk to. Help me out tremendously and had a few funny jokes in my visit as well to make me feel a lot better about my debt situation! “Successful people hit a high debt wall too sometimes, doesn’t make them a bad person or less successful.” Being able to acknowledge and correct yourself will only brighten your future.”

“I  walked into Geraci Law Firm a couple months ago totally distraught. Not knowing what I was going to do. Drowning under tons and tons of bills that I was trying to pay. And Rick Gomez literally talked me down off the ledge and advised me on a lot of things that could help me live the most financially healthy life possible. Very knowledgeable, empathetic, caring young man!! I am forever grateful to Geraci Law & Associates for all of their knowledge and help. You guys are Awesome! Very satisfied customer!”

“Filing bankruptcy with frank Hernandez was very easy and was able to work with me due to my financial circumstances. Grateful for me Hernandez and the geraci team.”

“Steve and Rick were great people who helped me through it all. Sharon also gave me some good advice as well.”

What Geraci Law Milwaukee Clients Say!

“These guys know what they are doing. Abraham walked me threw one of the scariest things I’ve done in a long while. His knowledge was worth every penny. Robert  Crowley is a guy about his business. He talked me threw my appearance and then made me feel like I am going to be ok. It’s what you want when you hire a lawyer. Pure legal know how. Two thumbs up for these guys. ”

“I have a lot of faith in Brent Berning. Very professional, well versed in the law and a very good man.  Thanks Brent.”

“The attorneys at this law firm provided us with options, guidance, answered our questions quickly and we’re very understanding of our situation.  Their client portal was an easy to use tool that kept the lines of communication flowing smoothly.  We would highly recommend their services.”

“I had a very pleasant experience with dealing with Geraci Law L.L.C. All attorneys was very friendly and knowledgeable extremely helpful they answered every question quickly special mention to attorneys Andrew Golanowski and Ann Kramer.”

“Geraci Law, LLC has been great at helping me in my case. The staff is great.  They will not rush you and make sure to spend the time to go through everything with you so that you can understand properly. Friendly environment. ”

“From the moment I spoke to someone on the phone in making my appointment, to my consultation and filing with my Attorney Robert Crowley I have received exceptional service. Attorney Crowley’s non-judgmental and great sense of humor made this process very stress free. I appreciate the services I have received this far. Thank you.”

What Evergreen Park Geraci Law Clients Say About Us…

“Walked in to the office with out a clue on anything. Everyone i spoke with was friendly and very helpful. If I did not understand something completely they took their time to explain everything in detail. Geraci law took the stress out of bankruptcy for me they give you a piece of mind knowing everything is going to be taken care of. Amazing staff, from the receptionist to the lawyers.”

“My experience with Attorney Khalil was phenomenal. He was very patient and took his time to ensure that I had a thorough understanding of the filing process. He even made time to meet with me outside of Geraci’s Law business hours. I highly recommend these guys. Thank you for meeting my needs and helping me get back on track to financial health.”

“What an awesome experience we had at PFG. At first we were a little skeptical about going in to the office. Once we were there the receptionist was just awesome. They have chosen the right individual to be in the front with a display of excellent customer service skills. Once meeting with the attorneys, we received background information on how this law firm was started. After that the presentation, representation, and explanation was superb. My wife and I left out of their office feeling confident that we are in good hands. Thank you PFG for giving us a fresh start. I would definitely recommend this law firm to family and friends.”

“Mario and Joe were very helpful and informative on helping me with my bankruptcy case. The process was very smooth and easy. Would definitely recommend them to anyone needing to file a bankruptcy! 5 STARS for awesome service and customer care!”

“Geraci Law is the best. They are very knowledgeable and helpful explaining the bankruptcy laws to you, so that u can understand. I would recommend if u are looking for experts with knowledge nobody does it like Geraci Law in Evergreen Park.”

“Had a very good experience with PFG. I didn’t have to wait long to speak to an attorney and Mario M. Arreola was very helpful and informative. He helped me file for bankruptcy after getting a lemon from a bad car purchase and explained everything to me in detail. Would recommend this law office to anyone trying to get out of debt.”

“Working with Geraci Law was amazing I feel a sense of relief the process was smooth and easy, more importantly Mr. Merid Mekonnen was awesome he made my experience painless and give the something to look forward to, I encourage anyone who is looking for some financial relief to contact them!“

Struggling After the Holidays?

Geraci Law can help! See what Geraci Law clients say about their experience.

“Rodney and Lavita are amazing. I can actually see the light at the end of the tunnel I used to dread checking my mail everyday due to all the bills. I no longer have that fear because everything is handled. My Chapter 13 was the best thing I ever did and should have done it a long long time ago. This bankruptcy has made lots of things possible- we can help our kids now and were even able to buy a house! I cannot thank Geraci enough. The best part is that everything keeps getting better. If you are struggling call Geraci Law in Merrillville.”

“My lawyer Christine has been nothing short of great during this not so great time in my life. She has been very responsive to questions I provide her on the app, she has answered all of my questions in a timely matter, overall she has been very kind, helpful and informative during this process. I also had an opportunity to meet Mark Levine and he too was very helpful and informative with any questions I had. You hire some great people. Keep up the good work. Thank you.”

“We had our court hearing with Geraci Law after filing our case and everything went perfectly! We saw a hearing that occurred prior to ours with a different law firm that was a mess and it made us very happy that our hearing did not go like theirs and that Geraci Law had all of our paperwork in order. We worked with Attorney Joseph Blaha and had a very good experience.”

“I need to let you know how wonderful. Ricardo Gomez has been to help me in my situation. He is such a great asset to your office as well for the Hispanic community. He made me feel so comfortable and let me know there is light at the end of the tunnel. He is very professional and actually listened to me when sometimes you feel they are just hearing you. I thank you Ricardo for your help and this world needs more lawyers like yourself. Muchas gracias por todo.”

“Marc Afolter and Scott Greenwood were outstanding in providing me the best service at Geraci Law. I felt comfortable to ask any questions regarding my case. Also, the attorneys were very thorough in explaining to me the different types of bankruptcies available and helping me choose what would be best for me. The process was much easier than I thought it was be. Thank you so much Marc and Scott for your service.”

 

Debt Settlement Scams Revealed

In a recent article, published by Nerd Wallet, “Debt settlement a bad alternative to bankruptcy” Liz Weston shares debt settlement horror stories.  Some of the problems with debt settlement are caused when the debt settlement company doesn’t reveal the full effects of failing to pay a bill or when a debt is discharged without the benefits of Federal laws.  For example, Liz Welton indicated consumers didn’t understand the below consequences of debt settlement:

  • One woman didn’t realize she would face a tax bill on the forgiven debt.
  • A man opted against bankruptcy in part because he erroneously thought he would lose personal possessions.
  • Another woman was shocked at how far her credit scores tumbled and how much interest she was charged when she applied for a car loan.”

Liz also clears up a common misconception about bankruptcy versus debt settlement.  Although debt settlement companies claim bankruptcy is harder on your credit score than settlement, the truth appears to be the opposite.

While a consumer can start rebuilding their credit months after the bankruptcy petition is filed, debt settlement can take years.  When a consumer enters into a debt settlement agreement, they aren’t paying their creditors and often a consumers credit score drops into the 500’s.  With delays in reaching a settlement and eliminating the debt, debt negotiation can keep your credit in the 500’s for years.

Make sure you research your options.  Meeting with Peter Francis Geraci Law Bankruptcy and Injury attorney is free.  We will layout all your options and work with you to help you get debt free.