Just Call!

If you have questions, Geraci Law believes in the phrase – JUST CALL! We want to talk to you and provide the best information possible.

At Geraci Law, you always have direct access to your attorney and paralegal team. No call centers, no leaving a message on a machine. Everyone you interact with is a Geraci Law employee.

It’s one of the many reasons we are the most reviewed bankruptcy law firm in the country. Over 40 years in business, over 200,000 clients served, and more than 30,000 5-star or positive bankruptcy attorney reviews.

So…

1. Thinking debt settlement or consolidation?

Just Call! 1-800-CALL-PFG

2. Want your “fresh start” Chapter 7 or 13 options?             

Just Call! 1-800-CALL-PFG

3. Want a free credit bureau “soft pull” to see your debts? 

Just Call! 1-800-CALL-PFG

4. Find out how much debt you have?

Just Call! 1-800-CALL-PFG

5. File from home using our Geraci Law app & Client Corner

Just Call! 1-800-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 5starsince November 2016!

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

Are Unlisted Creditors Discharged in My Bankruptcy Case?

Read the article below or @ https://www.infotapes.com/Articles written by Attorney Peter Francis Geraci.

That depends.  In the First Circuit and the Seventh Circuit, there are cases that talk about missing creditors that aren’t discharged unless the case is reopened to amend schedules to list an omitted creditor, but, at least in the 7th Circuit, that reasoning is rarely followed.

In Stark v. St. Mary’s Hospital, 717 F.2d 322 (7th 1983), the Seventh Circuit concluded that the decision of whether to discharge the debt of an omitted creditor is based on equity. The Stark court said the burden is on the debtor to show that law and equitable principles allow the reopening of the case to include the omitted creditor. Without such a showing by the debtor, the debt will not be discharged and the creditor will have a claim against the debtor, despite the previous order for discharge of debts.

This case has been criticized for suggesting that adding a creditor to a schedule has an effect on the dischargeability of the underlying debt. See In re Anderson, 72 B.R. 783 (Bankr. D. Minn. 1987).

The general rule in most jurisdictions is that a debt is either dischargeable or not based on the nature of the debt, and the nature of the status of the claims proceeding, and that reopening the case is unnecessary.

Even in the 7th Circuit, which is Illinois, Indiana and Wisconsin, if the creditor has actual notice of some kind, such as you called and told them, or if “no harm, no foul” because the case was a “no asset case” and they would have gotten nothing even if they were listed, or if the creditor is really to blame because they sold the debt to someone else and didn’t tell them, the case does not have to be reopened at all. At Geraci Law, the issue rarely comes up.

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.

Don’t be Embarrassed, Nervous or Afraid!

Below is from Chapter 2 of Attorney Peter Francis Geraci’s, “Complete Book on Bankruptcy.” Read below or the rest of the book @ https://www.bankruptcybookbypeterfrancisgeraci.com/

CHAPTER #2 Don’t be Embarrassed, Nervous, or Afraid

Everyone tells me they are embarrassed, nervous, and afraid to get out of debt. So read our 30,000 reviews and find out what Geraci Law has done to make their life better. Start with the reviews.

Now, let’s take embarrassed first. No one talks about money. They talk about everything else, but in America, money is a guilty secret. So the first thing you have to realize is that almost 1 million people a year file bankruptcy. That’s right. It’s real common. Are you 40 years old? In the last 40 years, about 40 million people have filed bankruptcy. So don’t be embarrassed. Donald Trump has put more than one of his projects in bankruptcy.

Second is nervous. Log on to infotapes.com and read real life stories about people just like you and how their Chapter 7 or 13 worked out for them. Get educated. Then you won’t be nervous. Take my free online 20 minute credit counseling course. Or take my 2 hour course for $25. Too much debt is bad. It can actually affect your health. Bad debt is like a bad marriage, or a bad cold. It can make you feel miserable. If you get out of debt, your credit score goes up, and you can start saving for a house or car you want.

Third is afraid. Don’t be. At Geraci Law, we will not file a bankruptcy for you unless we think it will make your life better. So, once you realize you’re in good hands, that a million people just like you file every year, and you know your credit score and savings will go up, you will be ready to get some good advice.

Why would anyone be happy about having to file a bankruptcy? The answer is, if there were no bankruptcy laws, you would have no way out of financial trouble.

The bankruptcy laws, and how they can help you, are not known to the general public. When a person finds out that they can get out of debt, and start fresh, without giving up any possessions, they are generally very happy. No one files a bankruptcy case unless they have to. If you have the money to pay your bills, pay them!

Why would you be happier if you kept your house, kept your vehicle, kept your pension, kept your household furnishings, and had no debt, and could save money each month for retirement? Why wouldn’t you?

Realize that if you have $20,000.00 in credit card debt at 18%, and just make the minimum payments at 2.5% of the balance, never using the card again, it will take you 37 years to pay it off. Go to our website, http://www.infotapes.com, and follow the links to msn.money.com, and bankrate.com. You will find useful financial calculators on those sites. Plug in your debt, and see that if you can pay only minimums, you have a life sentence of debt. If you have a lawsuit, getting garnished can eat 15 to 25% of your take home pay, or snatch your entire bank account.

Why should you have a life sentence of debt? Be happy! Don’t worry! If you can only pay minimums, collectors are calling, you have to charge necessities, you may be better off filing Chapter 7 and getting a discharge of that debt, or Chapter 13, which is a no-interest debt repayment. You could take that $500 a month and repay your debts in full with no interest over less than 36 months.

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?

We will meet with you for free, run a free credit report, go over all your debts and budget, and give you advice on getting out of debt. We will file your case for low money down, and let you choose your payment schedule. We make getting debt free affordable and easy for you.

Check out below from Geraci Law’s web site @ https://www.infotapes.com/

Beware the lawyers that promise “$0/down to file Chapter 7”. It’s usually not completely true and you end up paying more overall in the end. It’s free to start with a Geraci Law attorney.

We will meet with you for free, run a free credit report, go over all your debts and budget, and give you advice on getting out of debt. We will file your case for low money down, and let you choose your payment schedule. We make getting debt free affordable and easy for you. If it weren’t true, we would not have over 30,000+ reviews from satisfied clients.

Additional resources:

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 in the Middle District of Florida

Geraci Law is ready to help folks from Fort Meyers, Daytona, Ocala, Orlando and Tampa Bay County.

Geraci Law helps the entire state of Florida with debt! Our team can review your situation to determine if a Chapter 7 or a Chapter 13 will solve your problem. Best part? The consultation is free.

In Florida – there are three districts where an individual can file. Every Florida county is assigned to one of these three districts. You file where you live at. There is the Southern District Bankruptcy Court, Middle District Bankruptcy Court and the Northern District Bankruptcy Court.

The U.S. Bankruptcy Court for the Middle District of Florida is the third busiest bankruptcy court out of the 90 Federal Districts! Geraci Law is ready to help folks from Fort Meyers, Daytona, Ocala, Orlando and Tampa Bay County.

Cases filed in the U.S. Bankruptcy Court in the Middle District of Florida have 341 Meeting of Creditors via Zoom. Geraci Law will HELP you with this process. You can handle your entire case from the comfort of your own home including your virtual Meeting of Creditors.

Before you make your next minimum payment – give us a call. We can help you stop the cycle of debt. Check out Break the CYCLE 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.

Geraci Law in Michigan

Hey Detroit – Geraci Law is ready to help with your debt! Schedule a free consult online or by phone!

Geraci Law is handling Chapter 7 bankruptcy filings in Detroit Michigan. You can meet with Attorney Jason Kara or Attorney Rob Brynjelsen.

Best part? You can meet us from your couch! Geraci Law can handle your case hassle-free on your schedule and you don’t need leave home!

Schedule an appointment with Geraci Law online @ https://www.infotapes.com/Bankruptcy/OfficeLocator or give us a call, we love to talk at 800 CALL PFG.

Geraci Law – Dearborn/Detroit

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 Open in Royal Oak, Michigan

Geraci Law helping the entire state of Michigan – see Attorney Jason Kara and Rob Brynjelsen’s visit to Royal Oak!

Geraci Law is handling Chapter 7 bankruptcy cases across the entire state of Michigan! We have an office right in downtown Royal Oak. You can meet with Attorney Jason Kara or Attorney Rob Brynjelsen.

You can call us at 800 CALL PFG for a free phone consult, schedule online @ https://www.infotapes.com/Bankruptcy/OfficeLocator

Attorney Jason Kara

Attorney Jason Kara is a senior attorney at Geraci Law. He has extensive knowledge of complicated bankruptcy issues. Attorney Kara is responsible for reviewing over-median Chapter 7 bankruptcies.

He is originally from Cleveland and moved to the Detroit area during high school. Attorney Kara attended Law School at Michigan State University where he graduated Magna Cume Laude.

While attending law school, Attorney Kara served on the Journal of Business and Securities Law. He spends his free time with his wife and two small children. He enjoys just about any athletic activity and is active in his community.

Attorney Rob Brynjelsen

Attorney Rob Brynjelsen is a senior and supervising attorney at Geraci Law. He is responsible for managing attorneys in Wisconsin, and Indiana. Attorney Brynjelsen is licensed to practice in Illinois, Indiana, Wisconsin, Michigan and Florida. He earned his Bachelor’s Degree in Philosophy from University of Illinois – Urbana Champaign and his Juris Doctor from University of Miami.

He has advised on more than 10,000 consumer bankruptcy cases. He spends at minimum a few weeks a year visiting all of our Indiana and Wisconsin locations ensuring the Geraci Law standard throughout the Midwest.

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

Bankruptcy Chapters

Did you know there are SIX chapters of bankruptcies?

Did you know there are SIX types of bankruptcies? Bankruptcy is one of the oldest laws. Geraci Law is a consumer bankruptcy law firm focusing on individuals needing help with personal debt.

Most common bankruptcy types (also mainly for consumers) are Chapter 7 and Chapter 13. Some resources to read about Chapter 7 and Chapter 13:

But what about the other 4 types of bankruptcies?

Chapter 9

This bankruptcy chapter is for cities, towns, counties, school districts – basically any municipality. The largest Chapter 9 bankruptcy filing was the City of Detroit in 2013. Filing a Chapter 9 bankruptcy protects municipalities from collectors and creditors while the city/school district/town/county creates a plan for their debt.

Chapter 11

You CAN file a Chapter 11 bankruptcy as an individual but so can a business. Similar to a Chapter 13, Chapter 11 is a reorganization of debt. In Chapter 11, an individual can keep operating the business and assets are not sold or auctioned to pay debt (unlike a Chapter 7).

Chapter 12

This is a very specific Chapter to family fisherman and family farmers struggling to pay debt. Like a Chapter 13, a repayment plan is spread out over the course of three to five years.

Chapter 15

This Chapter was added to the United States Bankruptcy Code back in 2005. Basically a debtor who has assets outside of the United States would file a Chapter 15 to cooperate with foreign courts.

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

Utilities, Cable, Phone Bills and Bankruptcy

Worried about a shut off? Bankruptcy could help!

Utilities, Cable, Phone Bills and Bankruptcy. With summer heat raging across the country, if you are behind on your electric bill and worried about a shut off – bankruptcy CAN help. Attorney Peter Geraci answers your questions about utilities, cable bills and those pesky cell phone balances.

Bills are Usually Dischargeable

Bills for utilities such as gas, electric, water, sewer and phone are what we call unsecured debts, and they are dischargeable under either Chapter 7 or Chapter 13 bankruptcy. The only exception is fraud, such as where you hooked up the gas illegally.

When to List Utility Bills in Bankruptcy

In order to make it worthwhile to list a utility bill, calculate the average month utility bill, and multiply by three. So if your average electric bill is 140, three times is $420. So if you list a $420 past due electric bill in a chapter 7, you won’t have to pay it, but you’ll most likely have to put up a deposit of three times the average bill, or $420, and now you’re back to square one.

So the three times an average bill rule applies for gas and electric. And you’ll have to put up a deposit.

Avoiding Utility Shut-offs

Filing on gas and electric doesn’t make much sense unless you have run up a huge bill, and by now you have been shut off. What happens in cold states like Wisconsin, where they don’t shut off your winter gas until April, and then we get a rush of bankruptcies because it’s still cold enough to need gas and its off.

We also get a rush with people who have lived without gas all summer, and when it gets to be Halloween I need the gas back on. Those bills are usually several thousand, so putting up of $420 deposit isn’t too bad. Filing either Chapter 7 or 13 will require the utility to turn your electric or gas back on after you put up the deposit.

Water and Sewer Bills in Bankruptcy

Water and sewer bills are a little bit different. They usually aren’t very high, and in most cities, they are a lien on the real estate. So if you have a single-family home or multi-unit that you own, and you don’t pay the water and sewer bill, not only can they shut off the water, but there is a lien on the real estate. We don’t see too many water and sewer bills in bankruptcy but there treated pretty much the same as gas and electric.

Cable and Phone Bills in Bankruptcy

Cable and phone bills are a little different. Since so many people are disconnecting from cable TV, it’s not a real big issue if you’re three months behind on the $200 cable bill, and don’t particularly care for the service anyway. Otherwise they don’t have to give you credit again. Nobody has a land-line, so you’re talking about a cell phone bill, and those bills are never included in a bankruptcy because they cut you off after two months and now you have no cell phone service, which is something we rarely see.

In Summary

So in a nutshell, for gas or electric that is more than three months behind throw it in there, and as far as water and sewer pay it. Cable and telephone, either get a cell phone with a different carrier and a different cable service, or pay them to continue service.

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 in Michigan

Geraci Law L.L.C. is now taking cases in Michigan! We are handling cases out of Lansing, Detroit, Flint, Grand Rapids and Marquette. Michiganders get the same great service that clients come to expect from Geraci Law.

Geraci Law L.L.C. is now taking cases in Michigan! We are handling cases out of Lansing, Detroit, Flint, Grand Rapids and Marquette. Michiganders get the same great service that clients come to expect from Geraci Law.

You can schedule online at https://www.infotapes.com/Bankruptcy/OfficeLocator or call 800 CALL PFG to review your options by phone.

Attorney Jason Kara is a senior attorney for Geraci Law L.L.C. He has extensive knowledge of complicated bankruptcy issues.

Attorney Kara is responsible for reviewing over-median Chapter 7 bankruptcies. He is originally from Cleveland and moved to the Detroit area during high school.

Attorney Kara attended Law School at Michigan State University (Go Green!) where he graduated Magna Cume Laude. While attending law school, Attorney Kara served on the Journal of Business and Securities Law. He spends his free time with his wife and two small children. He enjoys just about any athletic activity and is active in his community.

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.

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