Credit Score & Bankruptcy Misconceptions

Geraci Law is here to help. Sometimes it’s just admitting that you need help as the first step. We’re happy to talk to you about debt, credit scores and how to achieve your financial goals.

There’s a misconception of bankruptcy being the end all, be all to your financial future. In practicality it’s the opposite for most people. It’s simply relief and the opportunity to start again. The question you do not want to ask is, “will bankruptcy ruin my credit” but rather “can I pay off my debt in full?”

Bankruptcy is not the end of your future. The crazy thing is you will most likely get MORE offers after filing for bankruptcy than you do now. Creditors love you in debt. If you are making the minimum payments every month, your cash is gone forcing you to use the credit again. Another minimum payment paid, another tank of gas charged and the debt cycle continues.

What bankruptcy WILL do is eliminate your obligation to a debt balance. You have a fresh start – you are back to square one where the money you were paying out to interest (maybe late fees) is back in your pocket.

You can start a savings account!

You can rely on a budget to meet the household expenses!

You can save to buy a car for cash!

You could save to buy a house after bankruptcy!

You are no longer reliant on credit for simple survival. It’s absolute freedom from the debt cycle.

There’s a misconception of I NEED A CREDIT CARD. You don’t. If you do – there are several options like a secured credit card if you want to keep the plastic. Debit cards are wonderful tools to stick to a budget.

Check out these debt calculators. Almost all billing statements will show the total balance and your interest rate.

https://www.creditkarma.com/calculators/debtrepayment

https://www.nerdwallet.com/article/finance/debt-snowball-calculator

https://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx

Geraci Law is here to help. Sometimes it’s just admitting that you need help as the first step. We’re happy to talk to you about debt, credit scores and how to achieve your financial goals. Check out an article written by Attorney Peter Francis Geraci @ https://www.infotapes.com/articles/news/65/does-chapter-7-or-13-bankruptcy-ruin-my-credit/

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.

Need help turning on the AC? Utility debt and bankruptcy!

It’s hot in Chicagoland and if you are worried about your electric bill and running the AC – check out Chapter 24 of Attorney Peter Francis Geraci’s “Complete Book on Bankruptcy.” Utility bills can be discharged in a bankruptcy. Excerpt is below, check out the entire book @ https://www.bankruptcybookbypeterfrancisgeraci.com/

CHAPTER #24 Gas, Cable, Electric, & Phone Bills

Gas, electric and telephone (utility bills) can be dealt with in a bankruptcy. If they are current, they should not be listed on a bankruptcy petition. If they are more than 3 months past due, they should be listed, because you can be protected from utility shutoffs, and continue getting utility service without paying the past due bills, in many cases. Most states have laws which say that public utilities cannot refuse to give you service after a bankruptcy, even if you had a bill with them that you are discharging.

For instance, if your electric bill is behind $600, and your regular monthly bill is $75.00, but your electric is shut off because you were so far behind, a bankruptcy will be of great help to you. I will list the electric company as a creditor, and provide you with documents that you must carry in person to the electric company. They will zero out your bill. You then can get service turned on, providing you make satisfactory deposit arrangements. Usually, the deposit would be 2 times an average bill, or 2 x $75.00. This may be payable in installments over several months.

So, you can see that, if you are severely behind in your utilities, and have enough other bills to warrant filing a bankruptcy, you can get your past due utility service up to date very quickly with very little money.

Cell phone carriers may shut off your service if you owe them money and file. The same with cable companies. Most will turn it back on when you provide them with the bankruptcy papers and catch up. Usually our clients only list those providers that are already shut off, so this is not a problem.

The only problem with clients whose utility bills are past due, is that it is a signal that the have problems that bankruptcy cannot solve. Not paying utility bills is like not paying your rent. Unless that is caused by a temporary disaster, you may need more income to live normally. If you don’t have enough income to pay necessities, you may find yourself back in the same situation again very soon after a bankruptcy. (see the Chapter on What Bankruptcy Won’t Solve)

Problem: Mrs. Wilson has 3 finance company loans, 4 credit cards, and a big hospital bill that was not covered by insurance. Her house payment is 2 months late, because she paid the other creditors instead of paying the house payment. Her gas bill is $600 behind, and her lights are off.

The Peter Francis Geraci Chapter 7 or 13 Solution: If she files a bankruptcy petition, her utilities can be “zeroed out”, and her outstanding balance reduced to nothing. She starts fresh with the utility companies, and will only have to put up a deposit in order to get service again. Of course, she will have to remain current in the future.

A Chapter 13 will pick up the past due mortgage payments and prevent collection by the other loans. Of course, there is no sense filing a Chapter 13 if she cannot meet her mortgage, utilities and Chapter 13 payment regularly in the future.

It may be better to file a Chapter 7 in such a case, and perhaps sell the house or live out the equity without making any more mortgage payments.

Bankruptcy Filing Will Not Save a Going Business

Geraci Law lawyers have been practicing bankruptcy for a combined total of 500 years, some as many as 25 or more than 40 years. Our advice is: “if you are running a business that is failing, do not file bankruptcy. Close the business, file your tax returns, and come and see us in two years”.

Read new article from Attorney Peter Francis Geraci titled, “Bankruptcy Filing will not Save a Going Business.” Read more articles at https://www.infotapes.com/articles/news/75/bankruptcy-filing-will-not-save-a-going-business/

Full article is below.

Small business bankruptcy or self-employed bankruptcy is usually a bad idea

By Peter Francis Geraci

Why Self- employed and small businesses DO NOT QUALIFY for bankruptcy relief.

Bankruptcy, whether it’s Chapter 7, 11 (whether a regular chapter 11 or the new subchapter 5), 13, does not solve the common problem of lack of money. Most self-employed people were small businesses have your regular income, and often can’t even meet payroll or regular living expenses. Businesses are doomed to fail. Bankruptcy will not solve that problem.

There are many good reasons:

if you have a corporation, or an LLC, and you’re not operating as a self-employed person, Corporation filing Chapter 7 results in the corporation getting by a bankruptcy trustee

corporations can’t file under Chapter 13. Corporations that file under Chapter 11 usually get converted to chapter 7 on that liquidated, the fees are very high, and it’s only for corporations that have positive cash flow, or can get new financing to continue operating. Its like trying to save the Titanic.

if you are a small business that is not incorporated or an LLC, it is usually a bad idea to file either chapter 7 or 13 total businesses been closed for at least two years

A small business that files Chapter 7 gets the business liquidated by a bankruptcy trustee. You can do that yourself, way cheaper. It is a much better idea to simply close it if you don’t want to operate it, pay all the taxes doing file all the necessary returns, wait two years and see if anybody is bothering you.

In order to reorganize your debt with Chapter 13, you have to have enough regular income in order to pay your regular business expenses, and then pay taxes on the profit, and then take home after taxes enough money to pay your regular living expenses, with at least $300 left over to devote to paying creditors. Very few self-employed businesses produce enough income to cover regular business expenses, let alone living expenses

Chapter 7 or Chapter 13 filing for individuals who are regularly employed is often a wonderful solution to the problem of too much data and not enough money. When a business is involved, the paperwork doubles or triples. You must answer questions under oath, about business financial affairs, and you’re not going to discharge payroll taxes if you haven’t paid them, or other employee obligations. In addition, a copy of your bankruptcy will go to the IRS, and you will be required to file your state local and federal tax returns before getting any bankruptcy relief.

We have seen many bad things happen to individuals who go to lawyers who are only too eager to take a couple files and can file a Chapter 7 or 11 for a business that is either still operating, or hasn’t been closed for more than two years. We’ve seen it turn into a real mess, and in some cases into federal indictments. We could go into a lot of examples, but if you are planning to file a business bankruptcy, we suggest that you don’t. Either tough it out, and hope that things get better, or close it and pay your taxes and file your returns. If you can’t pay the taxes, file returns anywhere, because you may be able to discharge income taxes if you file truthful returns come and see us in two or three years! Be very careful to pay your employee taxes and withholding because if you were supposed to turn over withheld funds to the government and you don’t, there is no statute of limitations about discharge.

There are a lot of small businesses that fail. Chances are good that 70% of small businesses will fail within three years. If that happens to your business, you should not file a bankruptcy immediately, if at all. You should

wait until the businesses closes
file all tax returns even if you can’t pay the taxes due
keep your books and records because that is another requirement,
return all property that is security for a loan, to those lender
don’t do anything weird like transfer or hide assets, bankruptcy judges hate that

and then and only then come and see us about cleaning up the mess and getting a fresh start after the businesses closed. Be very careful if you don’t heed this advice and some attorney wants to file a bankruptcy when a business is still open, and you haven’t filed all tax returns. You could be paying a lot of money for nothing and even get into big trouble.

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

Debtor’s Prison

Below is an article written by Attorney Peter Francis Geraci, read this and more @ Bankruptcy and Debt Articles | Geraci Law (infotapes.com)

The reason there is a bankruptcy law in the United States is that most of the founding fathers came from England, where there was no bankruptcy law. In fact, many of the members of the Constitutional Convention had personal experience being thrown into debtors’ prison in England. Some avoided debtors’ prison by fleeing to America. Some of the colonies were friendly to people in debt, and some were not. But everyone in 1787 agreed that Congress should make uniform bankruptcy laws. So that is in Article I Section 8 of the U.S. Constitution, our country’s governing law.

Check out https://en.wikipedia.org/wiki/Marshalsea for a description of the most horrible of the debtor’s prisons in London, if you don’t count the one that they dug out under the river Thames. Charles Dickens novel Little Dorritt is about a family who grew up in the debtor’s prison Marshalsea, where the father spent 20 years imprisoned for a debt no one could figure out how to pay. https://en.wikipedia.org/wiki/Little_Dorrit There was even some of that in America until 1833, according to https://www.winonapost.com/Article/ArticleID/49823/Swamp-Water-Jurisprudence-Debtors-prisons-havent-gone-away

But now, the creditors can only use the courts to determine if you are liable to pay them, and if you are, use the courts to give you notice before they take your property or bank account. And you don’t have to serve time in debtor’s prison, you can file a plan for debt relief under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. If you live in a state where Geraci Law practices, you can get help from us, just visit www.infotapes.com

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

Protect Assets before Filing for Bankruptcy

Before a Geraci law attorney files a case, we analyze the client’s assets, and whether those assets are “exempt” from creditors or not. Read more to see protection that could help you! Need to review your options? Call 800 CALL PFG for a free consult or set online @ https://www.infotapes.com/Bankruptcy/OfficeLocator

Below is an article written by Attorney Peter Francis Geraci titled, “Protect Assets before Filing for Bankruptcy.” This focuses on rent prepayment as allowable in some states to protect otherwise exposed case from creditors. Read more articles by Attorney Geraci at https://www.infotapes.com/Articles

Before a Geraci law attorney files a bankruptcy for a client, we always analyze the client’s assets, and whether those assets are “exempt” from creditors or not. Each state has laws called exemption laws. The U.S. Bankruptcy Code also has exemption provisions. These exemptions state what property is “exempt” from attachment and liquidation by your creditors.

Exemption planning is perfectly permissible! One way to claim an exemption is to convert “non-exempt” property into “exempt” property. This should NOT be done to hide money from creditors, or without the advice of an attorney, but some “exemption planning” has been approved by both state courts and bankruptcy courts. “Homestead” exemptions are usually thought of as protecting real estate, but in some states, when filing an Illinois bankruptcy or an Indiana bankruptcy, personal property such as a trailer used for a residence, or prepaid rent, are permissible exemptions under those states “Homestead Exemptions”.

In some states, such as Florida, exemption planning is forbidden when it comes to personal property. :

Florida Statute 222.30 Fraudulent asset conversions.— (1) As used in this section, “conversion” means every mode, direct or indirect, absolute or conditional, of changing or disposing of an asset, such that the products or proceeds of the asset become immune or exempt by law from claims of creditors of the debtor and the products or proceeds of the asset remain property of the debtor. The definitions of chapter 726 apply to this section unless the application of a definition would be unreasonable.

(2) Any conversion by a debtor of an asset that results in the proceeds of the asset becoming exempt by law from the claims of a creditor of the debtor is a fraudulent asset conversion as to the creditor, whether the creditor’s claim to the asset arose before or after the conversion of the asset, if the debtor made the conversion with the intent to hinder, delay, or defraud the creditor.

There has to be the requisite intent. “[A] debtor can convert non-exempt assets to exempt unless he is motivated to make such a conversion by an actual intent to hinder, delay, or defraud his creditors.” In re Jennings, 522 F.3d 1333 (11th Cir. 2008)

But if you are lucky enough to own real estate, or a trailer, that is your primary residence in Florida, (your “homestead”) you CAN transfer cash or sell that $40,000 classic car that would be taken in a bankruptcy, and pay down your mortgage on your homestead property. FLA does not have a blanket prohibition against exemption planning.

1. 222.30 does not apply to the homestead in FL. See Havoco of Am. Ltd. v. Hill, 790 So.2d 1018 (Fla. 2001) and In re Chauncey, 454 F.3d 1292 (11^th Cir. 2006)

2. There has to be the requisite intent. “[A] debtor can convert non-exempt assets to exempt unless he is motivated to make such a conversion by an actual intent to hinder, delay, or defraud his creditors.” In re Jennings, 522 F.3d 1333 (11^th Cir. 2008)

So, in Illinois and Indiana Geraci Law lawyers think about renters: Is there a homestead exemption for prepaid rent or security deposit?

Illinois Yes – 735 ILCS 5/12 901

Indiana Yes – IC 34-55-10-2(c)(1)

Wisconsin No for homestead, but Yes under wildcard

FL No for homestead Florida Constitution Article 10 § 4 and Florida Statutes Annotated § 222.01 through § 222.05 but yes under wildcard

US Yes, arguably because same language as Illinois and Indiana

Illinois: 735 ILCS 5/12 901: Every individual is entitled to an estate of homestead to the extent in value of $15,000 of his or her interest in a farm or lot of land and buildings thereon, a condominium, or personal property, owned or rightly possessed by lease or otherwise and occupied by him or her as a residence, or in a cooperative that owns property that the individual uses as a residence.

Indiana: IC 34-55-10-2(c)(1): Real estate or personal property constituting the personal or family residence of the debtor or a dependent of the debtor, or estates or rights in that real estate or personal property, of not more than fifteen thousand dollars ($15,000). The exemption under this subdivision is individually available to joint debtors concerning property held by them as tenants by the entireties.

Florida: 222.05 Setting apart leasehold. Mobile home on leased land is exempt.

Federal: 11 U.S.C. (d) The following property may be exempted under subsection (b)(2) of this section:

(1) The debtor’s aggregate interest, not to exceed $15,000 [$20,200 effective 4-1-07. Adjusted every 3 years by section 104.] in value, in real property or personal property that the debtor or a dependent of the debtor uses as a residence, in a cooperative that owns property that the debtor or a dependent of the debtor uses as a residence, or in a burial plot for the debtor or a dependent of the debtor.

Wisconsin 990.01 (14) Homestead exemption. “Exempt homestead” means the dwelling, including a building, condominium, mobile home, manufactured home, house trailer or cooperative or an unincorporated cooperative association, and so much of the land surrounding it as is reasonably necessary for its use as a home, but not less than 0.25 acre, if available, and not exceeding 40 acres, within the limitation as to value under s. 815.20, except as to liens attaching or rights of devisees or heirs of persons dying before the effective date of any increase of that limitation as to value.

ANALYSIS:

Illinois: By plain language, a debtor’s interest in a lease can be claimed as homestead as long as they are living there.

Indiana: Under IN law, a leasehold can be considered an interest in real property or an interest in personal property, but the exemption applies regardless. See In re Coffey, 339 B.R. 689 (Bankr. N.D. Ind 2006)

Federal: debtor’s interest in real or personal property used as a residence under homestead: also can be exempt under federal wildcard

Florida: Homestead is principal residence, must be real estate of something live in on land, like a trail that is owned, whether on land owned or leased. But exemption planning adding to homestead is allowed and can be exempted.

Wisconsin: Prepaid rent can’t be exempted under Homestead definition limited to “the dwelling” no language like Illinois and Wisconsin.

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

Are You Ready For a Fresh Start in 2021?

Geraci Law can help you take back control of your finances. Filing for bankruptcy could give you a fresh start in 2021.

2020 is over (finally) and everyone is ready for a new and better year. But what are your options if you have debt you can’t afford to pay? Are you paying minimums only to use the credit again because your cash is gone?

Geraci Law can help you take back control of your finances. Filing for bankruptcy could give you a fresh start in 2021. A Chapter 7 bankruptcy could discharge or eliminate obligation to debt balances like credit cards, personal loans, medical bills, etc. You could keep things like your house and car – the only thing to lose is the debt!

Filing a bankruptcy could change your life for the better. It’s the elimination of the sleepless nights and worry about how and who is getting paid. Geraci Law is the firm to help you accomplish that goal. We’re here to help you figure it out.

It all starts with a phone call. Geraci Law attorneys are available by phone and offer same day meetings and case filings! You could improve your credit score, start saving money and put yourself in a better position in the future.

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

Do You Live in a Bankruptcy Assistance Desert?

Below is an article written by Attorney Peter Francis Geraci titled, “Do you live in a Bankruptcy Assistance Desert?” You can read more articles by Attorney Geraci at https://www.infotapes.com/Articles.

Below is an article written by Attorney Peter Francis Geraci titled, “Do you live in a Bankruptcy Assistance Desert?” You can read more articles by Attorney Geraci at https://www.infotapes.com/Articles.

Do you live in a “Bankruptcy Legal Desert”? According to the American Bar Association’s 2020 Profile of the Legal Profession, you may. 40% of America’s counties have less than 1 lawyer per 1000 residents, and some have way less.

And it gets worse depending on what you need a lawyer for. An article in the Indiana Lawyer journal says “simply having lawyers in a county doesn’t guarantee they are available to the public”, because many work for governments or corporations.

Depending on what you need an attorney for, it may be a real problem. You may have to drive for an hour, or even longer, to the location of an attorney that is able to represent you in a specific matter.

Take bankruptcy, for instance. Outside of major cities, there are usually only 1 or 2 lawyers who practice consumer bankruptcy law. And often, they don’t do much of it, only a case here and there, and may do only Chapter 7 cases, not Chapter 13 repayment plans which are at least 1/3 of bankruptcy filings nationwide.

One reason is, once you get away from the “big city”, there aren’t a large number of bankruptcies, because the population is thinner. In sparsely populated areas, there may not be any lawyers for any particular kind of matter. The lawyers in those counties, therefore, don’t get the experience of an attorney who practices exclusively in bankruptcy court.

They may be excellent lawyers, but your options are very limited, both by the lack of lawyers, and the lack of lawyers who actually practice bankruptcy law. It used to be even worse for bankruptcy, because the bankruptcy courts are Federal courts, and usually only located in downtown office buildings in the largest cities, such as Orlando, Indianapolis, Chicago, and Milwaukee.

Chapter 13 trustees for an entire region of millions of people may be 2 hours away from those living outside the downtown areas. Lawyers, as well as clients, had to waste an entire day traveling to court, standing around waiting for a hearing, and getting back to the office or home. But not any more!

What happened? COVID! Lawyers and courts discovered Zoom, and learned how to keep the courts running remotely, or “virtually”. Geraci Law was providing remote, or “virtual” bankruptcy services to its clients for years. Geraci Law bankruptcy clients enjoy the Geraci Law “Client Corner” client portal, and can set virtual or office appointments, message their attorney, sign and upload documents, and even attend bankruptcy hearings, remotely, on their cell phones!

This means that if you live in a rural area, or even in a big city, you don’t have to battle rush hour, find a sitter, take a day off work, or drive an hour to find a bankruptcy lawyer.

All you need is your cell phone or computer. Geraci Law is available to help you virtually! Use the Geraci Law Office Locator at www.infotapes.com to find a virtual or physical Geraci Law office near you. Get your basic information by going to www.bankruptcybookbypeterfrancisgeraci.com and using the Search tool. You’ll find the answers to the most often-asked bankruptcy questions, before you call to become a Geraci Law client, and get debt-free!

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

Happy Thanksgiving from Geraci Law!

Have a VERY Happy Thanksgiving from All at Geraci Law. If you need us, call us at 800 CALL PFG (800.225.5734).

Have a VERY Happy Thanksgiving from All at Geraci Law. If you need us, call us at 800 CALL PFG (800.225.5734) We are open on Friday and Saturday for calls.

Great information at www.infotapes.com – you can learn about Geraci Law, bankruptcy, debt consolidation, and MORE!

New Infotapes are released – check them out at here!

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

Does Chapter 7 or 13 Bankruptcy Ruin My Credit?

Bad credit can’t be ruined by getting out of debt. Bankruptcy gets you out of debt. No debt = better “credit”.

Below is an article written by Attorney Peter Francis Geraci explaining filing a bankruptcy could actually IMPROVE your credit score. Read more articles written by PFG at https://www.infotapes.com/Articles.

Most people filing bankruptcy have bad credit scores. Most are below 600. That is bad credit.

Bad credit can’t be ruined by getting out of debt. Bankruptcy gets you out of debt. No debt = better “credit”.

Studies have shown that your credit score goes up after bankruptcy discharge. Take my 2 hour debtor education course if you want to improve your credit. Go to http://www.pfged.com  

If you can get a house and a low interest rate on a vehicle, you probably don’t even need bankruptcy relief.

But, if you can’t afford to pay your creditors, but you have a good credit score, you probably don’t have good credit, you have good debt! Soon or later, the credit bureaus are going to notice you’ve maxed out on credit and your credit score is going to fall.

Bankruptcy does not generally ruin your credit more than it is already. Many people say to me, “I’m current on all my cards. I have good credit.” Then I find out that they have been getting cash advances on one card and using that money to pay the other charge cards. That is borrowing money when you cannot repay it. If you do that, you may not have good credit.

Credit is the ability to borrow money. Lenders look at several things about you if you want to borrow money. First, they look at your ability to repay it. If you have a lot of bills to pay now, you probably can’t afford to borrow more, because you won’t be able to repay it.

Second, the credit bureaus look at your history of repayment. If creditors reported you slow-pay, or have lawsuits, garnishments or repossessions, you already have ruined your credit history. Getting rid of your bills in a bankruptcy may improve your situation. You will have no bills to pay, or maybe just one or two. You will then be able to try to save a little money. Also, you can’t file another bankruptcy until six years have passed. Many lenders will allow you to re-establish credit, because now you have a better ability to repay.

The third main factor that a lender looks at is the security or collateral given for the loan. You may need more money down than in the past.

At Geraci Law, we want to make your life better. So if we think you don’t need bankruptcy relief, we tell you. Take our free 20-minute credit counseling course at Infotapes.com, or our 2 hour Debtor Education Course at pfged.com for more information.

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

Answers to Almost Every Question About Bankruptcy

Did you know Attorney Peter Francis Geraci wrote a book? It’s called the “The Complete Book on Bankruptcy.” His book answers almost any question you may have about bankruptcy.

Did you know Attorney Peter Francis Geraci wrote a book? It’s called the “The Complete Book on Bankruptcy.” His book answers almost any question you may have about bankruptcy.

The best part? The book is FREE and available online. You can click https://www.bankruptcybookbypeterfrancisgeraci.com/ to read the entire book and learn about the differences of Chapter 7 and Chapter 13.

His book answers questions like:

What happens to my credit score if I file bankruptcy?

Will My Employer Find Out if I File Bankruptcy?

What can bankruptcy do for you?

When Will Creditors Stop Bothering Me?

Bankruptcy and Divorce, Alimony, & Child Support

Bill Consoli dation Scams

Chapter 13 Debt Repayment Plans

Dial 1-800-CALL-PFG for a free phone mini-consultation, or make an appointment online 24/7 at http://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!

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CHAPTER #24 Gas, Cable, Electric, & Phone Bills

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Small business bankruptcy or self-employed bankruptcy is usually a bad idea

By Peter Francis Geraci

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