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 www.infotapes.com.  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!

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

Can I file another Chapter 13 after dismissal, or after Chapter 7 Discharge?

When you filed Chapter 13, you had a plan, based on your income, expenses, and debts, which you had on the day you filed! But things can change. What do you do when you are in a Chapter 13 and change jobs, lose income, or get more debt or expenses?

Bankruptcy.jpgWhen you filed Chapter 13, you had a plan, based on your income, expenses, and debts, which you had on the day you filed!  But things can change. What do you do when you are in a Chapter 13 and change jobs, lose income, or get more debt or expenses?  What do you do if your vehicle dies during Chapter 13? What do you do if you retire during your Chapter13? Can I file Chapter 13 after I filed Chapter 7?

Geraci Law is here to figure it out. If your Chapter 13 is not working for you, can you file another Chapter 13?  Geraci Law files Chapter 13 cases for many people who went to other lawyers and their Chapter 13 is dismissed, and for lots of our own clients, too. Geraci Law also files Chapter 13 cases when you have filed a Chapter 7 before.  The rules for filing Chapter 13 after a dismissed Chapter 13 are complex.  The rules for filing Chapter 13 after a discharge in Chapter are also complex.  So dial 1-800-call-pfg for a free phone mini-consultation.

 What will I need in order to refile a second Chapter 13? The big 3 are…..

  1. Regular Income. No Chapter 13 without a job unless you have regular income, like retirement. Wait until you are working again and receive your first paystubs.
  2. Filed income tax returns. You must have last 4 years state and federal tax returns in hand.
  3. New debts Make a list WITH the name, address and account number. And copies of bills.

If your Chapter 13 was dismissed – call Geraci Law. We answer the phone and help thousands of people with issues ranging from repossession to parking tickets! Geraci Law will review options on refiling a case that fits your current financial situation. You can include the debt in your previous case and any additional debt you may have incurred since filing.

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 20,000 5-star reviews since November 2016!

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

Being Sued? Call Geraci Law Today!

What is a lawsuit?   It’s a bill collector asking a court for a JUDGMENT!  Why do creditors hire lawyers to get a JUDGMENT?  lawsuitBecause then they can use the Court to COLLECT!!  First they hire the sheriff to serve you with the complaint.  If you don’t have a defense, they can then get their JUDGMENT!

How do creditors COLLECT?  First, they may record the judgment with the County you live in or have property in.  Then it becomes a “lien” or “right to collect when sold”.  That means they can sell your real estate, or personal property!!!  Serious!

Next, they can ask your bank or employer to turn over your money or paycheck!  Whooops!

How can you stop a lawsuit or judgment?  Pay them!  If you can’t pay them, get a free phone mini-consultation with Geraci Law.  Chapter 7 can eliminate debt. Chapter 13 can consolidate it into an affordable payment plan. Geraci Law will review your BEST option to stop the creditor action. We know you might be nervous or embarrassed. Don’t be. Geraci Law is here to help. We do not judge – we STOP judgments from creditors.

Hwoman happyere’s an example showing how Geraci Law can help…“I came in to this office worried and scared because of the amount of debt I was in and the possibility of law suits consuming my life. When I arrived I was greeted and immediately felt welcomed. I was a bit unprepared and nervous but Geraci Law made it a simple and smooth process! They were very understanding and did not judge or condemn me for what was going on. Geraci Law simply offered words of encouragement and explained my options to help! I’m so glad I came!!

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 20,000 5-star reviews 5starsince November 2016!

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

Geraci Law Reverses Sheriff Sale

When you’re unable to make your payments on a house, a mortgage company may get a judgment of foreclosure. Then they pay the County Sheriff, or an appointed officer, to sell it at an auction. If you failed to stop a foreclosure suit, interfacing Sheriff Sale, read this.

When you’re unable to make your payments on a house, a mortgage company may get a judgment of foreclosure.  Then they pay the County Sheriff, or an appointed officer, to sell it at an auction.  If you failed to stop a foreclosure suit, interfacing Sheriff Sale, read this.

Here are some rules about stopping foreclosure:  File chapter 13 House2

  1. Before your mortgage company files a foreclosure suit
  2. Before a foreclosure suit goes to judgment
  3. Before a judgment proceeds to a Sheriff sale

In other words call Geraci law soon as you get behind, because the longer you wait, the more the mortgage company will cost you, and the harder it is. What if your house is actually been sold at a Sheriff sale?

Before coming to Geraci Law, a single mom filed a Chapter 13 with another law firm.  That case was dismissed, and that other so-called law firm told her there was nothing she could do. She was devastated, but her aunt told her to call Geraci Law. She inherited the house from her mother with her aunt on title.

Geraci Law filed a counter attack in the State Chancery Court. Before the sheriff sale, there are several court appearances and notices that must be “serviced.” She never lived at the residence that the mortgage company claimed to have served her at.

friends huggingGeraci Law was able to prove the client was not property served with the foreclosure notice. The judge sided with Geraci Law and the sheriff sale was REVERSED. The woman called for a group hug in the court room ecstatic by the work of Geraci Law. Then, Geraci Law filed a 2nd Chapter 13 to repay the past due mortgage and force them to take her future payments.

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 20,000 5-star reviews 5starsince November 2016!  Read more at www.bankruptcybookbypeterfrancisgeraci.com.

Stop Foreclosure – Can Geraci Law Help You?

Do you want to keep your home? Can you afford the home but not the arrears in a lump sum? Geraci Law helps thousands of people save their homes.

Do you want to keep your home? Can you afford the home but not the arrears in a lump sum? Geraci Law helps thousands of people save their homes.

House

Can Geraci Law save my house?

We’ve helped thousands with a Chapter 13 interest free repayment plan that spreads your mortgage arrears over a 3-5 year plan. At the end of the bankruptcy, you’ll discharge any unpaid debt like credit cards, medical and be current with your mortgage.

“What about “loan modification”?   Don’t fall for scams.  Don’t pay any money for help.  Deal direct with your lender.  When you do, expect

o   they won’t reduce the amount you owe and rarely the interest

o   your term will go from 15 to 30 years, you will never own the place

o   it is usually a scam so you don’t pay while applying, and then they foreclosure

What do I do?  If you are behind in your mortgage, call Geraci Law to

o   eliminate or consolidate OTHER debt so you can pay your mortgage

o   stop foreclosure and pay past due amounts over 3 years or more

Loan modification scams:   just search on “Legal Helpers Debt Resolution” or “Morgan Drexen”.  Don’t be scammed! Call Geraci Law. Never send money to an internet scheme.

How does Chapter 13 help with mortgage foreclosure or past due mortgage payments?

  1. It forces your mortgage company to accept your payments going forward
  2. If forces your mortgage company to accept payments on arrears
  3. It consolidates your vehicles and debts so your mortgage gets paid first

How does Chapter 7 help with mortgage foreclosure?  It could eliminate your other debt to free up your budget to pay the mortgage.

Is it too late to save my house? Ask Geraci Law!  Geraci Law can file a case in as little as ONE day BUT you shouldn’t wait until the last minute. Sooner is better than later!

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 20,000 5-star reviews 5starsince November 2016!  Read more at www.bankruptcybookbypeterfrancisgeraci.com.

Geraci Law – Chapter 13 Saves Medical Malpractice Case For Family

Geraci Law is the Best in the Business! This client came to Geraci Law for help with credit card debt after the death of his wife.  Luckily for him, Geraci Law lawyers are skilled in both bankruptcy and injury law.  You can’t imagine how many injury cases are lost because most lawyers have no clue!Med Malpractice gavel

Geraci Law lawyers immediately recognized that his wife’s death, after routine surgery, was not routine.  Geraci Law founding attorney Peter Francis Geraci met with him the next day.

We filed a lawsuit against the hospital and doctors, and a Chapter 13 debt repayment plan to repay the creditors without interest, and to protect his right to proceed with the medical malpractice case.  Proceeding under Chapter 7 would have resulted in the creditors being able to control settlement of the claim of his, and his children, for the death of their wife and mother.

Within a year, the hospital admitted negligence and offered to pay the family $5 million. Here is his review:

“I could not be happier to have been steered, or led to PFG, the no stress environment allowed for CH 13, to eliminate an insurmountable headache of debt, plus providing all the information I needed to move forward as I was hoping for. I would not exclude the staff at the law office; Megan, Mark, Jonathan, provided the best customer service that I have ever dealt with. Very professional, courteous, and took every bit of time I needed to ensure that I was well informed of the task at hand and the laws or legal requirements. When I titled my review as “The Best in the Business”, that is the only way to describe this team of professionals. I could not have asked for any better service, customer support, than I received. A thousand thank yous are definitely in order. For the entire team at PFG, thank you for everything that you do, have done. I have worked in many different areas, with many different organizations, and I can say, Hands Down that I have only been provided the truth, never any promises, I have only been guided in the right direction. Of course that is what I expected, a truthful, honest and professional business at PFG, Outstanding Job.”

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 20,000 5-star reviews since November 2016!  Read more at www.bankruptcybookbypeterfrancisgeraci.com  

Bankruptcy Isn’t Personal – It’s Business

Donald Trump never filed for bankruptcy. Trump’s companies have. He utilized laws in place to protect himself and reorganize his company’s debt.

The most recent bankruptcy filing was in 2009. Trump was elected President of the United States in 2016 showing people did not care about the financial distress. He used bankruptcy as a tool to restructure for future success. When asked about bankruptcy, Trump said, “Basically I’ve used the laws of the country to my advantage and to other people’s advantage just as Leon Black has, Carl Icahn, Henry Kravis has, just as many, many others on top of the business world have.”Trump

Taj Mahal Casino Resort, the Plaza Hotel, Castle Hotel & Casino, Trump Plaza, Trump Hotels & Casino Resorts and Trump Entertainment Resorts filed for Chapter 11 bankruptcy. The companies consolidated debt in order to pay off creditors and remain open.

https://www.forbes.com/sites/debtwire/2015/08/18/a-trip-down-donald-trumps-bankruptcy-memory-lane/#3af6b7d04609

DebtTrump realized that his businesses needed bankruptcy protection, and would not survive unless they used the bankruptcy laws to reorganize the company’s debts. If you have sufficient income, you may be able to reorganize your own household “business”, with a Chapter 13 Debt repayment plan.

Can you afford to file a Chapter 13 debt repayment plan?  Do you have at least $200 a month left over after regular expenses?  Then you may be able to mash all your debt into one payment you can afford, keep your vehicle, house and pension, and get an interest free repayment plan.

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 20,000 5star reviews since November 2016! 5star

Read more at www.bankruptcybookbypeterfrancisgeraci.com