Discharging Student Loans

Can bankruptcy help with student loan debt? It’s a very common question and unfortunately the answer is simply no. Web sites and advice from non-attorneys or inexperienced attorneys will tell you if you file a bankruptcy and receive Social Security the student loan debt will go away. If you have an attorney telling you otherwise, I would run the other way.

What you can do if you are disabled and owe student loans – is apply for an total and permanently disabled discharge (TPD). You discharge your student loans and then file for a bankruptcy to deal with the rest of your debt. A Chapter 7 bankruptcy could be a great relief after handling the student loans.

You can apply by visiting http://www.disabilitydischarge.com/Home/.

What can bankruptcy do for me?

Many wonder what a bankruptcy can help with. The answer is your debt! Filing with an experienced bankruptcy attorney will solve most financial problems. Things such as:

  • Parking tickets
  • Car repossessions
  • Utility bills
  • Money owed to banks
  • PayDay loans

If creditors are calling, you’re losing sleep and you cannot figure out whom or how you are going to pay this month, Geraci Law can help.

Hire a Midwest Firm

When you hire Geraci Law, you hire the entire firm. You have the benefits of attorneys in Illinois, Indiana and Wisconsin. An Indiana man filed a Chapter 13 bankruptcy with Attorney Bridget Spears. He filed a bankruptcy to help with mortgage arrears and child support arrears.

His child support order was from Wisconsin. After the case was filed, child support continued to call and threaten arrest for non-payment. Attorney Spears contacted Milwaukee Geraci Law Attorney Andrew Golonowski. He contacted Wisconsin child support attorney and was able to stop the garnishment and collections.

Smaller law firms only handling a few cases per month would not know how to handle. Other law firms could charge for the additional work. At Geraci Law, his issue was resolved in no-time.

 

What Geraci Law Clients Say About Us…

OMGOSH!!!! 🙂 THANK YOU SO VERY MUCH, I REALLY DO APPRECIATE YOU & STAFF FOR HELPING ME. PETER FRANCIS GERACI ORGANIZATION HAS HELPED ME BEYOND MEASURES & I AM SO GRATEFUL & THANKFUL TO HAVE YOU ALL AS MY TEAM TO HELP ME TO BUILD TO A BETTER FINANCIAL FUTURE. I KNOW IT TAKES HARD WORK, PRESERVERANCE, DETERMINATION & DRIVE TO ACCOMPLISH THE GOALS OF SAVING & MAINTAINING & PAYING TOWARDS BILLS – THAT’S ENOUGH TO FOCUS ON WITH JUST KNOWING THAT ” BILLS ” EXIST FOR EVERYONE, BUT FOR ME, I WOULD JUST LIKE TO SAY THANK YOU ALL SO VERY MUCH FOR ALL YOUR HELP ESPECIALLY AT A TIME LIKE THIS IN MY LIFE, THANK YOU & TAKE CARE.

Erica, Illinois

I met with five people from your firm (including you online), and EVERY ONE of you were kind, friendly, professional, and understanding.  You helped me to feel confident at a time when I was worried out of my wits.

There is not a single thing I can suggest that you do better!  You are ALL terrific!

I chose your firm (lol) because I have heard commercials from Peter Francis Geraci a gazillion times and remember his name!

Fred, Illinois

 

What Geraci Law Does for Clients

What clients say about us:

I would like to say. You have been one of the nicest, most upstanding person I have ever met when people are down and at their lowest you sure do understand what it means to be there. I want to thank you for everything you and your office has done for me. You all have made a very hard time in my life easier. I have spoken highly of you to many people and given out your business cards. I will definitely do the things that you have asked me to do. Thanks again from the bottom of my heart.  Lisa -Portgage, IN

I’m a low income single mother of four children. I messed up my credit not knowing the importance of it. I inquired Peter Francis because of the constant advertising of the firm. Lawyer Jason Shimotake was very pleasant and let me make a very affordable down payment…trust me when I say these guys are great. If you can’t make your payment this firm will happily work with you. Talk about professionalism? I mean I felt like I already paid in full because I was treated as such. Starlette – Chicago, IL

Nice Things Geraci Law Staff does:

Geraci Law attorney Mario Arreola reports: A client signed up to file a Chapter 13 to prevent the City of Chicago from suspending her license for parking tickets. She had planned on going to one of our main competitors, but former co-workers from USPS told her no – go to Geraci Law instead! I also showed her a typical Chapter 13 plan from this other firm. This firm has a reputation for filing Chapter 13 plans with a low initial payment, then increasing the payment after filing because the plan is underfunded. I told her to let me know who the co-workers are and will give her credit for a discount.

She said, “Praise the Lord for PFG and her friends who referred her.” Little by little, the tide is turning against sub-par bankruptcy firms; their reputation will suffer as more people find out about their shabby work and misleading sales tactics. We file Chapter 13 plans that are designed to succeed, instead of plans that are doomed to fail.

Geraci Law paralegal Haddassah Mendoza reports: I helped a Spanish speaking client to his 341 Meeting of Creditors.  He’s a bipolar Spanish speaking client. I’ve spoken to him many times and he’s had good days and bad days. I was concerned he would be nervous and scared. Those normal fears could be exacerbated by his condition and not understanding the language without someone to translate.  I know the court has an official translator at the 341, but our clients have questions from the moment they get off the elevator. Waiting can be very difficult and lonely.  They don’t know what to expect, they especially worry about feeling shamed about filing.   I also knew he didn’t have anyone going with him.  It felt great to be there for him; ease his fears, talk him through what was going on.

Don’t Be Afraid to Drive

An unpaid parking ticket can cost thousands to pay. A parking ticket fine doubles if not paid and continues to increase.

If payment is not made, the city can (and probably will) suspend your driver’s license. Depending on how much is owed, a down payment (usually half of the total amount due) will need to be paid to get on a payment plan. So if you have $5,000 in parking tickets – the city could require $2,500 for a payment plan.

Instead, file a Chapter 13 bankruptcy to consolidate debt into an interest free repayment plan. Geraci Law files Chapter 13 cases for little to no-money down. A case can be filed in a day and your experienced Geraci Law team works on getting your driver’s license back quickly!

File with an Experienced Bankruptcy Attorney!

Geraci Law Attorney Jonathan Parker received the following from a former client who filed Chapter 7 bankruptcy with a different law firm.

Jonathen

I made a big mistake by not working and went with XXX.  It has been a horrific experience.  I filed Chapter 7 with them and they gave me the wrong date on my 341 hearing.  The date I was offered the 341 given by the law firm Oct 7th but the hearing was suppose to be Oct 6th (a monday). I never received a letter from the clerk I and the lawyer said I have at XXX blamed me for not for not showing yet I have the paperwork. Further I was accepted into the police academy on the date of my next hearing.  Which is the date I start the academy and now I can’t out for the hearing or do a telephonic which she she said I could do.  So I lost a job and can’tt make the next hearing because it’s when I start the academy. I asked to move it up and they said no.  Is there anything I can do.  I should have went with you but cheaper looked better. I hope to get a response and again I apologize.

XXX