Free Attorney Consult – Westchester

Free attorney consultation for debt relief options in Westchester, Illinois.

Come visit Attorney Christine Kuhlman in Westchester, Illinois for a free consultation regarding your debt relief options. We’re located at 927 S. Mannheim Rd. Westchester 60154. We’re just South of 290/Mannheim on the East side of Street, next to BP gas Station and across from Target/Holiday Inn Express.

Attorney Christine Kuhlman is an attorney at Geraci Law. She has vast knowledge of Chapter 7 and Chapter 13 bankruptcies. She graduated with a Bachelor’s Degree in English from DePaul University and a Juris Doctor from John Marshall Law School.

Attorney Kuhlman is a member of the Illinois Bar Association, DuPage County Bar Association, and the DuPage Association of Women Lawyers. From the first consultation to bankruptcy discharge, clients should expect nothing but excellence from Attorney Kuhlman.

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.

Bad Credit = MORE Interest

Credit scores fall into 5 categories to determine interest rates. Consider Geraci Law to help with your credit score!

Bad Credit = MORE Interest

According to an article on CNBC (read here) – more than 1/3 Americans have a credit score that is considered “subprime.”  If you are one of these people, you may end up paying THOUSANDS more in interest than borrowers with better credit scores. Filing a bankruptcy can HELP improve your credit score!

The Consumer Financial Protection Bureau (CFPB) puts Americans into five different categories.

Deep Subprime – any credit score below 580

Subprime – any credit score between 580-619

Near-prime – any credit score between 620-659

Prime – any credit score between 660-719

Super-prime – any credit score above 720

Where do you fall? Your credit score is not only determined by timely payments. Your debt to income ratio plays a role. Do you have more debt than income in a year? Are you behind on payments? Are you considering borrowing money from a 401K or family member to pay off debt? Before you make a huge decision, talk with a Geraci Law attorney (guess what – it’s FREE).

Even if you are paying your minimum payments, you may not realize how much you are paying in interest! According to the CFPB, a Deep Subprime borrower paid 21.50% interest versus a Super-Prime borrower paying 12.50%. That is a HUGE difference.

Filing a bankruptcy could change your life for the better. You may IMPROVE your financial future to qualify for the better rates on mortgages, car loans or even credit cards. Don’t know your credit score? Not sure of what debt is reporting? Geraci Law can help!

Want more information about credit scores and bankruptcy? Below are a couple of links to related topics!

FICO Creates New UltraFICO Scoring System

When Should I File For Bankruptcy?

Credit Concern? Call 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 30,000 5-star reviews 5starsince November 2016!

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

Masks Required in State of Indiana

Masks are required in the State of Indiana to help curb COVID-19. Geraci Law is ready to help!

Masks Required in State of Indiana

Geraci Law provides masks for all consultations. We also provide gloves and a pen! If you are struggling with debt because of COVID-19, Geraci Law is here for 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 30,000 5-star reviews 5starsince November 2016!

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

 

 

Geraci Law Merrillville

Geraci Law is ready to meet you in our Merrillville office!

Our Geraci Law Merrillville office located at 7725 S Broadway is newly renovated and our attorneys are ready to meet with you safely!

Schedule online at https://www.infotapes.com/Bankruptcy/OfficeLocator.

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 Much Does Bankruptcy Cost?

How much does bankruptcy cost? Answer a few questions to find out!

How Much Does Bankruptcy Cost?

Bankruptcy costs vary by  case. It depends on what you qualify for. Spend about 5 minutes answering some questions at www.kwalifyme.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.

 

Geraci Law COVID-19 Practices

COVID-19 changed everyone’s lives. Geraci Law is open and happy to meet with you. Read about our practices to keep everyone safe!

COVID-19 has changed everyone’s daily routines. Geraci Law is open and we ARE meeting with clients in our offices. Due to COVID-19, we’ve changed our practices.

To keep everyone safe, we require all staff and clients to wash their hands when coming into our offices. There are no exceptions to this rule.

To help, we actually provide everyone with their own masks and gloves. The goal is safety for everyone. Geraci Law is here to help in any way we can. If your income is cut because of COVID-19, if the creditors are starting to call – bankruptcy might be an option.

We’re willing to work with you in any way we can for a free consult with our attorneys. If you are not comfortable coming into our offices, we are offering video or phone meetings. We send a link to your smart phone or computer and you open the video feed with the attorney.

FCH - mask

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.

Extra $600 Unemployment Ends on 7/31 – What Do I Do About My Debt?

The extra $600 in unemployment benefits ends on 7/31 – it may be time to rework the monthly budget.

Extra $600 Unemployment Ends on 7/31 – What Do I Do About My Debt?

The CARES Act provided an additional $600 per week in unemployment benefits. It is a federally funded program that is slated to end on 7/31. It’s only two weeks more of the extra income unless something changes. If you are unemployed, you should immediately review your budget. Take a look you’re your budget dependent on the $600 per week extra income? It is time to come up with an alternative solution…fast.

Make a list of your budget priorities. Expenses like your housing, food, utilities. Then take a closer look at where your money is going. Is your income going straight to student loan minimum payments? You could find savings here by consulting with your provider for a forbearance or deferment plan. Federal loans are automatically deferred until September 30th (read more at https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief/forbearance).

Look at other expenses – a good way to find what you are spending money on is looking at your bank statement. Take a look at the last 30 days. If your budget is reliant on using the credit cards to pay for these priorities because you are ALSO paying the minimums then you are in a budget cycle (see Break the CYCLE of DEBT!).

You could be in a circle where you are making the minimum payments but using the credit again because your cash is gone. If you have LESS income coming in after the $600 additional unemployment benefit ends, then making those minimum payments becomes nearly impossible.  Add the interest rates, late fees attached to credit and you have a debt snowballing.

It may be time to consider a bankruptcy. Break the cycle of credit debt. Call Geraci Law and let’s go over options. If you want to consult by phone, we’re ready. Call 800 CALL PFG and ask to speak with an attorney. Start planning for your financial future so when you are back to work or when you have another source of revenue you are not relying on the credit debt to meet the basic essentials.

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.

Do I Kwalify?

Questions about debt? Too nervous to call? No problem – check out KwalifyMe to get the answers!

When you are struggling with debt, trying to find answers can be tough. If you are trying to figure out different options including bankruptcy, consolidation and OTHERS – you should check out www.kwalifyme.com. Filling out the information will answer:

– Cost of bankruptcy
– Cost of consolidation
– Debt to income ratio

You can also get the following:

– Median Income score
– Creditor analysis
– Bankruptcy bar calculator
– Lawsuit search
– Debt consolidation score
– Experian “soft pull” report (doesn’t show up on  your credit)
– Experian credit score
– KBB vehicle value


If you have questions, you will get answers. It’s very cool and if you want to discuss your situation further, Geraci Law is available. It’s as easy as 800 CALL PFG.

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 since November 2016!

What Financial Help Do You NEED?

Did you know you can DISPUTE credit reporting errors? Everyone is entitled to a FREE credit report once per year from Experian, Equifax and Transunion. If you see a mistake, then you should dispute the error with the individual credit bureau.

You can find bad information online. Geraci Law wants to help YOU answer questions about bankruptcy, debt and financial resources. We frequently update our website with important financial links – you can check it out at https://www.infotapes.com/Links

Disputing Credit Report Errors

Did you know you can DISPUTE credit reporting errors? Everyone is entitled to a FREE credit report once per year from Experian, Equifax and Transunion. If you see a mistake, then you should dispute the error with the individual credit bureau.

Below are the links for disputing credit reporting errors. If you underestimated how much debt you owe, if you are struggling to meet the minimums, we’re here for you. Geraci Law offers FREE consultations with our experienced staff.

Links to Dispute Credit Reporting Errors:

More Help is Available

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 since November 2016!

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

Budgeting Resources to Help You Succeed

Most financial experts rely on BUDGETS to outline what your disposable income is to determine how to reach goals. But where to start? Many people when using the pen/paper method forget to list certain expenses.

Why is Having a Budget so Important?

Most financial experts rely on BUDGETS to outline what your disposable income is to determine how to reach goals. But where to start? Many people when using the pen/paper method forget to list certain expenses.

All Geraci Law Clients Need a Budget.  You Should Too.

Geraci Law wants to be a RESOURCE to you. Even if you do not need a bankruptcy or maybe you already filed – creating a budget will help you SAVE money. You can use our fillable PDF.

Start with your income, if you are an hourly employee – then take the average gross pay. Look at your stub for all deductions.

For your expenses, list how much you are spending. Log into your bank account to see the transactions.

Download our budgeting form here to get started on your monthly budget.

If the debt is too much and you are not able to save money – call us. Our staff is ready to help in any way we can.

We Provide Free Consultations and Appointments.

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 since November 2016!

Still need more information? Read ALL ABOUT DEBT RELIEF at www.bankruptcybookbypeterfrancisgeraci.com.