Come Meet Attorney Berning in Wauwatosa, WI!

Free attorney consultation for debt relief options in Wauwatosa/Milwaukee, Wisconsin.

Come Meet Attorney Berning in Wauwatosa, WI!

Did you know Geraci Law is open in Wisconsin? Come meet Attorney Brent Berning at our office in Wauwatosa, Wisconsin. We’re right across the street from the Mayfair Mall at 2505 N Mayfair Road.

Worried about COVID-19 but still want to meet with a local attorney? No problem! Attorney Berning offers video meetings – all you need is a cell phone.

Read what real Geraci Law clients say about the Wauwatosa/Milwaukee office and Attorney Brent Berning.

“I have never filed for bankruptcy before…i was very nervous for my first visit. Before i knew it Brent Berning was introducing himself and reassuring me i have come to the right place. He was professional, pleasant and even funny which really eased up my nervous-ness given my bankruptcy situation. He explained everything to me in a way i could understand. I have nothing but wonderful things to say about this company. Thank you Brent and Geraci Law for helping me through this and thank you for helping me get my life back on track! You rock!”

“I had the pleasure of speaking to Brent Berning today and would just like to say Thank You Brent for your Professionalism in answering all my questions that I had today! You really made a great impression the way you handled all the details about my concerns I had! You are a true professional and a great asset to your company! Thank You Very Much Sir”

“I’m glad that God brought me back to Geraci Law 7 years later to the same attorney, Brent Berning. Keep up the good work.”

“There are events and circumstances that come up in life, some you can handle and some you can’t. When you reach the point of knowing you can’t handle things on your own and you get the gut feeling that you should seek help, had this heavy like feeling, so I recently had a consultation and met a person that not only does his job well but he went the extra mile. Such a great listener, he made me feel very comfortable to talk openly and freely, while expressing that the process is painless. I felt as though I was talking to one of my good friends who was assisting me with rolling away stone. I truly want to take this time to thank you for walking me through the process. That answer for me was Attorney Brent Berning. Keep up the exceptional work.”

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.

Chapter 9 – Is Bankruptcy Bad?

An excerpt from Attorney Peter Francis Geraci’s “The Complete Book on Bankruptcy.” Learn more about misconceptions about bankruptcy!

Chapter 9 – Is Bankruptcy Bad?

Below is an excerpt from Attorney Peter Francis Geraci’s Complete Book on Bankruptcy.

No. Owing money you can’t pay is bad. Money can be used for good or bad purposes. People end up without money because of circumstances beyond their control, or for other reasons. Bankruptcy merely adjusts the debt situation to 0 again. You start out even. You get a fresh start, while still keeping the necessities of life. But the prevailing attitude about bankruptcy is that is “bad.”

This is an interesting perception. The origin of bankruptcy can be found in ancient traditions, as found in the Bible, Deuteronomy 15.1: “In the 7th year, each creditor shall release his debtors. This shall be known as The Lord’s Release.” In the Old Testament, it was the policy that a debt could exist only 6 years, and should be relaxed or forgiven in the seventh year. The purpose was to prevent damage to society by allowing a debt to live forever. The lender was cautioned thereby to lend only as much as the borrower could reasonably be expected to repay.

There are other Biblical references to debt, such as St. Paul’s admonition in Romans 13:8; “Strive to owe no debt, except that debt that binds us to love one another.” I have found nothing in any religion that states that owing money to another is “good.” In the Koran, there is a prohibition against lending money at interest. In most Moslem countries today, Moslems borrow at no interest from “banks of the faithful.”

In modern times, lenders do not follow this idea. In an era where charge cards are sent out through the mail and applications are “pre-approved”, creditors lend money without regard to whether or not the borrower can pay it back. They cover their losses by charging huge rates of interest. I have seen contracts with interest rates as high as 53%. In olden days, this was known as usury. Technically, any lending of money at interest is known as usury. But, until modern times, it was the money lender, or usurer, that was bad, not the poor person who had to borrow.

Of course, capitalism could not exist without the practice of lending capital and charging interest. But bankruptcy laws provide a legitimate, legal, and moral safety valve for the excesses of the credit system. Now, you don’t have to join the French Foreign Legion, disappear to Australia, or blow your brains out, to escape from your creditors. Bankruptcy was so important to the Founding Fathers of the United States, that, when the U.S. Constitution was written in 1787, they directed Congress to make uniform bankruptcy laws. Article III, Section 8 of the United States Constitution states: “Congress shall make uniform laws relating to Bankruptcy.”

Bankruptcy is therefore more fundamental to the United States of America than the Bill of Rights, and such things such as freedom of the press, and freedom from unreasonable searches and seizures.

The United States Bankruptcy laws are part of the Federal Code. They were passed into law by the United States Congress, our elected Senators and Representatives. All bankruptcy in the United States is governed by federal law, and the procedures are as much a part of our society as lending money at interest.

After the American Revolution, when the first Continental Congress met in 1787, one of the topics debated was whether or not to have a uniform bankruptcy law. Many of the American settlers had to run from creditors in England. They had to leave the country to avoid being thrown into debtor’s prison. Each American colony had different laws relating to collection of debts. Some had provisions that a person could be jailed for debt, and some, like the colony of Georgia, were havens for debtors and had laws which prevented bad treatment of people who owed money

There was little disagreement between the Founding Fathers of the United States of America, when it came to having a bankruptcy law. Freedom from debt was important, and so was the ability to start fresh. Therefore, in the United States Constitution, Article III, Section 8, we find the provision, “Congress shall make uniform laws relating to bankruptcy.”

However, the banking lobby was so strong that each state kept their own bankruptcy laws until 1898, when the U.S. Bankruptcy Code was passed. It was modified greatly in 1978 to deal with the amazing amount of consumer credit, and is constantly being tinkered with by Congress to balance the interests of those who lend money, and those who borrow it.

Abraham Lincoln was a bankruptcy lawyer. In Springfield, Illinois, Old Abe filed about 1/2 the bankruptcies in Illinois in 1842. 1/2 of his legal work involved debt cases.

It is to the advantage of moneylenders, to use public relations techniques to convince the public that bankruptcy is bad, and to make it something that is bad or evil. I agree that you should not discharge your debts until it is absolutely necessary, but there is certainly nothing wrong or illegal about it. No one comes out to your house and takes your clothes. No one paints a big “B” on the sidewalk in front of your house. In fact, no one is interested.

If you find yourself with no savings, nothing left over after you pay your rent, mortgage, food and utilities, and still have bills to pay, you should consider taking advantage of the fresh start provisions of the bankruptcy law. Bankruptcy is like getting a fresh start. Your debts are forgiven, except those that you want to continue to pay, and you can start saving money and doing things the right way, instead of suffering because of the credit trap.

People come into my office and ask, “What will happen to me if I file a bankruptcy?” No one ever came in, when I used to be a general practice attorney, and said, “What will happen to me if I don’t have get convicted for running a red light?” They never said, “What will happen to me if I sell my house?” But people who are being chased by bill collectors sometimes feel that they should not be able to get relief and that they will be punished if they get a fresh start. They do not realize that a big part of bankruptcy laws is forgiveness.

Nothing will “happen” to you if you file a bankruptcy. You won’t suddenly become rich and famous, or popular, or beautiful or handsome, and, on the other hand, you won’t suddenly be miserable and an outcast. One out of every 22 Illinois families will file for some type of bankruptcy relief, on the average, and in some states, the average is higher.

So, if you have problems with bills, getting the proper advice from a bankruptcy attorney as to whether or not some type of bankruptcy relief would make your life better, should not be looked on as bad. You should think of it as provision in the Federal laws that was put there by Congress to help people get out of debt.

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.

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.

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!

This Fourth – Be DEBT Free!

Happy Fourth of July from Geraci Law! If you want to be debt free – give us a call to review your options!

This Fourth – Be DEBT Free!

Let this be your year to be free of debt. We’re here for you. If you are thinking about debt or finances over the long weekend – check out our web site. There’s a tremendous amount of information and options.

Want to talk? We’re here at 800 CALL PFG.

Want to meet with an attorney? Schedule ONLINE https://www.infotapes.com/Bankruptcy/OfficeLocator

 

When Should I File For Bankruptcy?

Is now the time to file for bankruptcy? Take our free survey, call us if you need debt help!

When Should I File for Bankruptcy?

Take the FREE survey below. To find out if NOW is the time to get out of debt. If more than 3 apply to you, call us at 800 CALL PFG (800.225.5734)!

When Should I File for Bankruptcy?

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 25,000 5-star reviews 5starsince November 2016!

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

Geraci Law Reviews

Real reviews from real clients about their Geraci Law bankruptcy experience.

Geraci Law Reviews

Attorney Lizette Villegas, Geraci Law Chicago, Illinois Office LIZ-Square---High-Res

“My experience with the Geraci Legal family has been nothing short of remarkable. Attorney Lizette (Liz) Villegas has demonstrated the highest levels of professional demeanor, ethics, empathy and a simply great level of attention to detail, flexibility and patience. For my partner Julie and myself, we are grateful for her assistance. ”

CDSAttorney Cecil Scruggs, Geraci Law Calumet City, Illinois Office

“Attorney Scruggs was very helpful & knowledgeable. He answered all my questions. I was nervous & didn’t know what to expect when filing my Chapter 7. However, I walked away with a wealth of knowledge. I highly recommend Law Offices of PFG.”

RODAttorney Rodney Geer, Geraci Law Merrillville, Indiana Office 

“ROD, Mr. Ellis – G+ for MER: I hope this review goes to, or is forwarded to, Peter Geraci himself. A BIG HIGH 5 to Rodney Geer in your Merrillville, Indiana office! A real professional! Rodney took extra time to answer all of my questions, and address all of my concerns. My situation was quite bleak, and he could see that I was stressed. He arranged all of the accommodations to personally suit my individual needs. This put me at ease, and that was very important to me. Facing bankruptcy is certainly one of the most devastating situations one can face. I am thankful this will soon be behind me, and I praise Mr. Geer for his professional handling of my case. Again, 5 STARS all day long. And Griselda Estrada is a gem of an assistant. They make a GREAT TEAM!”

JKNAttorney Jason Nielsen, Geraci Law Rockford, Illinois Office

“This was hands down one of the most terrifying and humbling things I’ve ever had to do. However, the discretion in which the office uses and the ease given by how hard Jason worked to make sure everything I needed was taken care of is priceless. I was treated with kindness and compassion despite my million questions and anxieties. I liked that there was no one there when I went because I was embarrassed to have gotten to this point in the first place. The quiet of the office helped me feel like they were devoting their time to help me entirely in a moment when I needed it most. This process has been easy and painless for me thanks to Jason. I would recommend anyone struggling and looking for answers to just schedule an appointment to see them so you, too, can find some relief and peace of mind. They definitely did that for my family and me.”

SLHAttorney Sharon Hunt, Geraci Law Cottage Grove/Chatham, Illinois Office

“This company has really helped me during a trying time. I’m young and have amassed a large amount of debt; I didn’t know how I would manage. I learned bad financial practices from my parents and I it was making my life harder. Geraci Law made doing this bankruptcy super easy. The attorney’s at this location really go above and beyond to make sure that you get the help that you need. Everything that you need to file a successful bankruptcy, Geraci will provide, just make sure that you go into the bankruptcy willing and ready to make life changes.”

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 25,000 5-star reviews 5starsince November 2016!

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

Driver’s License Suspensions & Bankruptcy

Worried about a driver’s license suspension? Call Geraci Law!

Driver’s License Suspensions & Bankruptcy

Is your driver’s license suspended for unpaid parking tickets? Are you worried about a judgment from an uninsured car accident? Look no further – Geraci law might have your solution!

Driver’s license suspensions for speeding, criminal or moving violations are NOT solved with bankruptcy. However if your license is suspended for any of the following, you should call Geraci Law NOW to help:
– Parking tickets
– Red light tickets
– Toll way violations
– Uninsured car accidents

Filing a Chapter 13 bankruptcy will consolidate the debt into an affordable monthly payment. You can reinstate your driver’s license BEFORE the case is discharged. With Geraci Law – most Chapter 13 cases can be filed for NO MONEY DOWN if you are working full time.

If you have City of Chicago parking tickets, a Chapter 7 bankruptcy could help. You can eliminate any other debt like credit cards, medical bills and then Geraci Law will help you with the Fresh Start program.  Read more at Chicago’s Fresh Start Program

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 25,000 5-star reviews 5starsince November 2016!

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

Chapter 3 – What Causes People to Need to File Bankruptcy

An excerpt from Attorney Peter Francis Geraci’s “The Complete Book on Bankruptcy.”

Chapter 3 – What Causes People to Need to File Bankruptcy

Below is an excerpt from Attorney Peter Francis Geraci’s “The Complete Book On Bankruptcy.”  You can read the rest of the book online at https://www.bankruptcybookbypeterfrancisgeraci.com/.

If you need help or have questions – our experienced staff is ready to help. 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 25,000 5-star reviews 5starsince November 2016!

CHAPTER #3 WHAT CAUSES PEOPLE TO NEED TO FILE BANKRUPTCY

This is an easy one. Because most stuff other than bankruptcy is fraudulent. That means someone somewhere, on the internet, or maybe in Russia, or maybe your own bank, wants your money, and will say anything to get it.

1. “bill consolidation” is usually a fraud scheme There is no way to “consolidate” all your bills into one lower payment you can afford, pay your vehicles and mortgage and tax debt first, and stop every single creditor from bothering you, adding late charges, or suing you. No way. None. Nada. Except for Chapter 13 bankruptcy. Oh, there’s that word again “bankruptcy.”

2. “Loan modification” Fraud schemes like “Legal Helpers Loan Modification” just stole people’s money and disappeared with millions. Banks usually string you along for months and lose your paperwork, making things worse. Then all they do is take your 30 year loan and turn it into a 40 year loan to “get” you a lower payment. Great, now you’ll die before you pay them off and they’ll get your house back after collection mostly interest payments.

3. “Credit Counseling” Possibly the worst fraud. Some of them pose as law firms. Some are “lawyers” who really should be in jail. Being a lawyer makes them try to take as much as the first year’s payments up front as fees”. They usually last a year before getting indicted and put out of business.

4. “Debt settlement” Definitely the worst. Run, do not walk, as fast as you can from these skunks. Legal Helpers Debt Resolution” and others stole $50 million or more and faded into the night. Their imitators are still around, and so are the lawyers involved. They only lost their law licenses for a couple years. Nice payday on your money!

All these schemes play on your guilty, embarrassment and confusion. They can’t stop late fees, repossessions, lawsuits, foreclosures, license suspension, or anything else. So, beware of “bill consolidation, mortgage modifiers, debt settlement and credit counseling”. We usually see folks who have paid $3,000 to $5,000 to bill consolidators, and have nothing to show to it, when they could have filed Chapter 7 or 13 and really solved their problems and gotten a true fresh start.

Bankruptcy is very predictable. Everything is in writing, and while there are a lot of stupid lawyers who do lose $3000 or $5000 of their client’s money in Chapter 7’s, and take Chapter 13 cases that fail quickly after they get paid, Geraci Law does not engage in shady practices. So why pay the same, and not get the name? Ask your friends and family, and even your boss at work. Chances are they’ll say, “talk to 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 25,000 5-star reviews 5starsince November 2016!

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

Geraci Law Virtual Meetings

Geraci Law is handling meetings remotely. We make the process hassle-free. You do not need a computer – a cell phone will work for a virtual consultation!

Geraci Law Virtual Meetings

Geraci Law is working remotely and ready to help! Below are attorney meetings being conducted remotely. You do NOT need a computer to do a video meeting! A cell phone with a web camera works great.

If you schedule an appointment, we send you a link. All you have to do is click on the link to open up the FREE consultation with an experienced Geraci Law attorney. It’s really that easy.

Geraci Law Milwaukee & Racine Wisconsin Attorneys from the top, right to left – Attorney Rob Brynjelsen, Attorney Ann Kramer, Attorney Felicia Petroff, Attorney Kathryn MacKenzie, Attorney Andy Golanowski, Attorney Brent Berning, Attorney Joseph Blaha, Attorney Abraham Pinon, Attorney Robert Crowley, Attorney Peter Francis Geraci, Attorney Lisa Ellmaurer

EDWI Attorneys

Geraci Law Indianapolis & Muncie Indiana Attorneys  from the top, right to left – Attorney Rob Brynjelsen, Attorney Erik Dickinson, Attorney Lacey Faul, Attorney Bridget Spears, Attorney Robert (Bob) Fine, Attorney Peter Francis Geraci, Attorney Anthony Shull, Attorney Chad Garrapy, Attorney Patrick McNulty

SDIN Attorneys

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 25,000 5-star reviews 5starsince November 2016!

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