Debt – Page 7 – Bankruptcy Attorney News – Peter Francis Geraci Law, call us at 800 CALL PFG

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? 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…..

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.
Filed income tax returns. You must have last 4 years state and federal tax returns in hand.
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.

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.

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?

It forces your mortgage company to accept your payments going forward
If forces your mortgage company to accept payments on arrears
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 since November 2016! Read more at www.bankruptcybookbypeterfrancisgeraci.com.

Anything…But Bankruptcy?

Why do people waste all their money on phony debt consolidation frauds, give their pensions to pay day loans, and walk away from their houses, instead of getting bankruptcy protection?

Why don’t more people file bankruptcy? Because they are either ill-informed, or ashamed to be in need of help? NOOOO….. They think the CURE is worse than the ILLNESS!

F Megaphone Hand, business concept with text Get Out of Debt, vector illustration or the same reasons, some people actually kill their spouses instead of getting a divorce, or suffer and die of cancer instead of going to the doctor. They drive their car with the red engine light on until it blows the engine. Many people will do the opposite of what is good for them.

So don’t be afraid: get a free phone or office mini-consultation BEFORE you take your pension 401K or savings and give it to some bill collector.

Here are some satisfied clients who did exactly that!

5star “I am well pleased with the Geraci Law firm that assisted me with the utmost respect and integrity! They made what felt like to me the most tragic and embarrassing time of my life easier with their fast knowledgeable expertise! Thanks again, Geraci Law Firm!!!”

5star When I first started my Chapter 13 I was very nervous, but your staff was so helpful. So 5 years later I am so grateful for Peter Francis Geraci and all his staff that helped me through this process which by the way went by so fast. My life has changed, it’s a great feeling!!

5star I went to Geraci because I was falling behind on bills accumulating debt I talked to them they told me no worries we will take care of it. They’ve been working with me even when I couldn’t afford the payments they gave a different alternative which better for me! I’m telling you these guys are the real deal they know what is right for your you! Trust me they are super nice and friendly answers any questions you have go see them today for any of bankruptcy needs THANKS GERACI LAW!!!!

President William McKinley – The Cosigner Who Filed

William McKinley was elected President in 1897. Filing for bankruptcy in 1893, while he was governor of Ohio, didn’t stop him at all! He ran for president 4 years after filing, and won! And it shouldn’t stop you!

McKinley co-signed on a $130,000 loan for a friend to keep a business open. The friend’s business closed and McKinley was left with the debt. McKinley filed bankruptcy under the Bankruptcy Act of 1867. Back then, bankruptcy gave you protection from garnishment while paid back creditors, much like Chapter 13 today.

Voters did not care about McKinley’s financial problems. He was reelected governor and then elected twice as President of the United States. McKinley sought help for his financial problems.

Presidential Hat Have you cosigned for a friend or family member? Then they defaulted, and the creditor is coming after you? Were you left holding the bag? Co-signing debt makes you as responsible as the other person. If they can’t pay – you owe!

If you are a co-signer and your co-signer is still paying, but you need to file either Chapter 7 or 13, you don’t want your bankruptcy to affect their debt. Ask Geraci Law how we can help.

Whether you are the co-signer who is primary on the debt, or the one who is secondary, Geraci Law knows how to handle either Chapter 7 bankruptcy or Chapter 13 debt repayment, and co-signed debt. Prez

Talking about financial problems is the first step to getting help. Geraci Law helps thousands of people just like you get financial relief from creditors. Maybe eliminating the debt could be your first step to the presidency!

If you are working full time, and have debt, just dial 1-800-CALL-PFG for a free phone mini-consultation or log on to www.infotapes.com to make appointments online 24/7.

Can I get rid of student loans in bankruptcy?

Can I get rid of student loans in bankruptcy?

Clients come to Geraci Law for multiple reasons. They want ANSWERS! They want answers they can rely on. Geraci Law has over 60 attorneys who understand every aspect of student loans in bankruptcy and how to discharge student loans OUTSIDE of bankruptcy!

How to get rid of student loans OUTSIDE of bankruptcy: If you are on Social Security Disability, apply for an “administrative discharge”. You will have to show these things:

You must have a federally insured student loan. This doesn’t work on private loans or tuition.
You must be on Social Security Disability: permanently disabled for any kind of work
You can’t have any other assets, such as a pension or 401K.

So, you don’t need our help if you are totally disabled, and Social Security says so, and you have no assets.

If you are NOT totally disabled for any kind of work, permanently, you cannot eliminate your student loans in bankruptcy: you should look at income based repayment, or getting rid of your other debt. Here’s how:

How to get rid of student loans USING Bankruptcy: Get rid of the other debt so you can pay down your non-dischargeable student loans!

It’s very hard to get a discharge of student loans in either Chapter 7 or 13 bankruptcy. Almost impossible. But here’s what Geraci Law did for this client who came in with overwhelming medical bills and student loans. We filed Chapter 7 to discharge her medical debt and a repossession, so she can now pay her student loans! She is working, she can’t discharge them, but she got rid of all her debt BUT the student loans. She is making good progress on them now that she has no other debt. Geraci Law gets a 5 star review!

I went to these attorneys after being Debt with student loans and hospital bills they were there right there by my side. Several times they informed me a what was needed an on the spot at all times I am so pleased with these people I must say thank you thank you and thank you!

If you are working full time, and have debt that is keeping you from paying down your student loans, just dial 1-800-CALL-PFG (800-225-5734) for a free phone mini-consultation, or log on to infotapes.com to make appointments online 24/7.

Why is bankruptcy like baseball?

Geraci law knows how you feel when you’re in debt. Studies have shown most folks who would rather talk about their toilet habits or sex life than how much money or debt they have. Does this sound like you? You are 60 years old and live with a lot of economic uncertainty. You and your husband fight about money, often regret the purchases you make, and save nothing for retirement? Worse yet you have little or no pension, and you’re worried about healthcare?

For sure, you don’t know anything about the law, and you know even less about bankruptcy law. Bankruptcy is the Great American Law. Bankruptcy and baseball both start with the letter B.

Bankruptcy is a lot older than baseball. The first officially recorded baseball game in U.S. history took place on June 19, 1846, in Hoboken, New Jersey: the “New York Nine” defeated the Knickerbockers, 23–1, in four innings

So you probably know a lot more about baseball than you know about bankruptcy. Bankruptcy and baseball are both good things. Baseball allows you to forget your troubles for 9 innings, and root for your home team. Bankruptcy allows you to get out of debt and get a fresh start so you’re not paying off old debt with money you should be saving for your retirement.

To find out more about bankruptcy and how it can

get you out of debt,
repay debts with NO interest
keep your pension, house, SUV and savings
allow you to save money,
protect your tax refund,

and more importantly, give you a sense of peace and financial freedom, dial 1 800 Call-PFG (800-225-5734), or visit infotapes.com. You can even read our new flipbook the complete book on bankruptcy by Peter Francis Geraci!

Make an online appointment 24-7 or get a free phone mini-consultation 7 a.m. to 7 p.m.

Peter Francis Geraci & Geraci Law Support the Indianapolis Legal Aid Society

Peter Francis Geraci and Geraci Law L.L.C. donated to the Indianapolis Legal Aid Society. The legal society provides legal services for individuals who qualify as low income.

Counties involved in the Indianapolis Legal Society include: Boone, Hamilton, Hancock, Hendricks, Johnson, Marion, Morgan, and Shelby counties.

ILAS handles matters ranging from Bankruptcy, housing matters, debt and even matters concerning families. According to the Indianapolis Legal Aid Society website, lot of their family work involves: adoption, paternity, visitation, guardianship, support, custody, and divorce.

Services are provided to individuals with income less than 125% of the federal poverty guideline. You can see the guideline for 2015 by clicking this link.

An advocate for helping those in need, Attorney Peter Francis Geraci recently accepted a pro bono appointment in East Moline. You can view the article here. Mr. Geraci and his Wife, Holly Geraci, also support a number of local charities and have raised over $60,000 under their website helphollyhelp.com.

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