Tag: Geraci Law

What Can a Chapter 13 Do For Me?

Worried about your driver’s license? Is the repo man knocking on your door? Have you been served with a foreclosure summons? Geraci Law is here to help solve your problem with a Chapter 13 bankruptcy. 

What Can a Chapter 13 Do For Me?

Worried about your driver’s license? Is the repo man knocking on your door? Have you been served with a foreclosure summons? Geraci Law is here to help solve your problem with a Chapter 13 bankruptcy.

Chapter 13 bankruptcies are debt repayment plans. You are consolidating debt to fit YOUR budget. A Chapter 13 bankruptcy can:

  • STOP foreclosure
  • STOP vehicle/property repossession
  • STOP wage garnishments
  • LIFT driver’s license suspensions for parking tickets, red light tickets

The payment plan is based on your debt, income and assets. We can create a plan to get you back on track. If life happens and something changes DURING your Chapter 13 plan, our team is here to figure out a solution.

Some attorneys file the case and then disappear. You talk to voice mail instead of a live person. At Geraci Law, we are available to figure out a solution. Our staff is available to YOU.

The best part? A Chapter 13 bankruptcy is the EXACT same fee no matter what law firm you hire. You pay the same price if you hire an attorney who has NEVER filed a bankruptcy petition or a Geraci Law team of attorneys with over 40 years of bankruptcy experience.

Wait, it does get better. If you are working full-time with a steady source of income, you could qualify for no-money down. You get the FAST relief without the worry of coming up with a lump sum of attorney fees. We can do your case in a day. Call Geraci Law – we’re ready to solve your problem.

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.

5 Chapter 13 Bankruptcy Myths

Geraci Law debunks 5 Chapter 13 bankruptcy myths.

5 Chapter 13 Bankruptcy Myths

  • MYTH I will never be able to buy a house.
  • FACT  For an FHA loan, you can purchase a home WHILE in a Chapter 13 as long as you made payments on time for 1 year and the loan is approved by the bankruptcy court. For a conventional loan generally it’s 2 years after Chapter 13 discharge.

 

  • MYTH I can’t buy a car while I’m in a Chapter 13.
  • FACT Not true. You can finance a car WHILE in a Chapter 13 with court approval. But you are better off going on Craig’s List and finding a cheap car and having no car payment.  Geraci Law works with our clients to figure out the best option to fit their budget. Sometimes it’s better to buy a car for cash, sometimes it’s better to lease – it depends on an individual situation. That is why Geraci Law should be the firm you file with.

 

  • MYTH A Chapter 7 is better – why would I pay my debt?
  • FACT It depends on your situation. You can still ELIMINATE debt with a Chapter 13. If you are paying less than 100% of what you owe, a bankruptcy discharge will eliminate what is NOT paid. If the court approves you to pay back 10% of your unsecured debt (credit cards and medical for example), once the case is discharged you will eliminate the other 90%! It gets better. A Chapter 13 can eliminate some debts that a Chapter 7 cannot. EVEN without paying it in full.

 

  • MYTH I will lose my tax refund.
  • FACT It depends on your situation. Are you over withholding? Are your refunds mostly credits? Geraci Law works to find a solution to your problem. Our team of attorneys review your taxes and work to PROTECT what you need.

 

  • MYTH What happens if I lose my job? Am I just out the money I paid in the bankruptcy?
  • FACT This is why you hire Geraci Law. If you lose your job, you call Geraci Law and we’ll figure out a better solution. Maybe converting to a Chapter 7 is a better option. Maybe modifying your payment plan with your new income and expenses is another option. Geraci Law’s team of attorneys is here to represent YOU.

 

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.

Worried About Assets? PFG can help!

Do you own a house, car, or another asset you want to keep? Are you worried that Chapter 7 bankruptcy means you won’t get to keep your property? Geraci Law & PFG can help!

Worried About Assets? PFG can help!

Do you own a house, car, or another asset you want to keep? Are you worried that Chapter 7 bankruptcy means you won’t get to keep your property? Geraci Law & PFG can help!

Geraci Law has over 40 years of bankruptcy law experience. We’ve seen it all. Geraci Law can help you eliminate debt and keep your property. We’ll figure out the best plan of action to fit YOUR needs.

Hiding things NEVER works. Tell us and we’ll figure out the best option to receive a discharge. Experience means a lot. Knowing you have the world-class representation of Geraci Law on your side make the process easier.

From Attorney Peter Francis Geraci’s, The Complete Book on Bankruptcy

If your house is worth a lot of money, or even if it is only worth more than your mortgage plus homestead exemption, you may not be able to file a Chapter 7 and still keep the house. You may have to do a Chapter 13 repayment plan to protect your equity in the house. It is necessary to bring in a recent appraisal if you want competent advice from your attorney. You do not need an expensive appraisal. You may already have one if you have recently refinanced the house, or if you recently purchased it. A letter appraisal from a local real estate agent will do.

 

Example: Mr. and Mrs. Robertson have fallen behind in their house payments, because Mr. Robertson was ill for 6 months. They were served with a foreclosure suit, and want to save their house. They have no other bills. Their neighbors, the Smiths, have a lot of bills, but they are current only on their house payment.

The Peter Francis Geraci Chapter 7 or 13 Solution: The Robertson’s can file under Chapter 13 of the Bankruptcy Act to pay the 6 months of arrears, and foreclosure costs, over as long as 36 months. They have to start paying their regular mortgage payments again, but the mortgage company has to stop the foreclosure, and accept regular payments again. The Smiths can file under Chapter 7, and discharge all of their debt, and they can keep their house since it is worth $80,000, and their equity is less than $15,000 allowed as exempt from creditors under Illinois law. Other states have other laws relating to homestead.

Read more of The Complete Book on Bankruptcy @ https://www.bankruptcybookbypeterfrancisgeraci.com/

Reach Financial Goals With Geraci Law

Chapter 7 bankruptcy is a GREAT way to discharge your debt. You can discharge your credit debts, medical bills and remaining balances after repossessions.

Reach Financial Goals With Geraci Law

Chapter 7 bankruptcy is a GREAT way to discharge your debt. You can discharge your credit debts, medical bills and remaining balances after repossessions. It puts you on track to reach your financial goals.

Think about it. You are making your minimum credit payments every month, but then USING the same credit because your cash is gone. Add high interest rates and you are in the middle of a vicious never ending cycle of credit use.

Take how much you are spending in minimum payments every month. Take the credit card monthly minimums and multiple it by 12. This is how much you are paying EVERY YEAR in credit card minimums.

This is money you are giving away to the banks. Invest in YOUR future instead of the banks. At $1,200 in minimum credit payments per month – that’s $14,400 per YEAR you could put toward retirement, down payment on a house, buying a car for cash. It’s an opportunity to create a better situation for you and your family.

Geraci Law is here to help you REACH your goals. Our attorneys and staff make the process hassle-free so you can focus on your future.

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.

Thankruptcy

Geraci Law clients love Geraci Law and credit scores so much so that after filing they do not say bankruptcy, they say THANKRUPTCY. 

Thankruptcy

Geraci Law clients love Geraci Law and credit scores so much so that after filing they do not say bankruptcy, they say THANKRUPTCY.

We have over 25 offices in Indiana, Wisconsin and Illinois close to home AND work. Geraci Law staff make the process HASSLE-FREE. The goal is to change a person’s life for the better.

Geraci Law clients get:

  • Client Corner access. A web portal with direct access to case information AND their attorney and Geraci Law team.
  • Same day or next day appointments. Geraci Law is always available to handle your case.
  • Communication – Geraci Law does NOT have voicemail. You can call us, text us or message us and you’ll get a FAST response.

Check out the new Thankruptcy video below:

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.

Great Geraci Law Reviews!

Great Geraci Law Reviews!

From Geraci Law, Evergreen Park Location (South Side Chicago)  “The atmosphere is calming, DeJeana and Isaac at front desk very pleasant and knowledgeable. Mr. Mario has a very pleasant nature and smile very reassuring. Also Mr. Khalil always remembered by name, assured me things were going to be ok, always walked me to front door and wanted me not to worry but have a wonderful Christmas. And the chocolate cookies are the bomb! ”

From Geraci Law, Rockford Location “I came in after receiving a lawsuit and frozen accounts, attorney Jason worked hard and fast to help me correct this awful mistake and to help me plan for a better financial 2020. Life happens, please go and get the help you need, before it snowballs and becomes a bigger issue like I did. I was embarrassed and ashamed of my failing business and then when I was diagnosed with my illness I was crushed under my financial obligations and medical bills. Geraci law is quick and efficient and helped me with ease through this difficult time. 10/10 would recommend to anyone going through a rough patch like I was.”

From Geraci Law, Chicago Location “I have filed bankruptcy before with DebtStoppers and they made things kind of complicated for me. I had to file a chapter 13 because of parking tickets, I felt like the world was caving on me until I came to PFG associates. They made the entire process really easy and even when I fell behind a little bit they worked with me. I would recommend it to anyone who wants to come out of the hole. Thanks guys I appreciate it.”

From Geraci Law Racine, Wisconsin Location “ I had an awesome experience with Geraci Law in Racine. They were very patient with me and my crazy schedule. I met with Joe and Felicia and they were both very helpful and answered all my questions. I was referred to them by a friend, and I would definitely refer others to them as well!”

Geraci Law Evergreen Park

Geraci Law Evergreen Park – Remodeled!

Geraci Law Evergreen Park office located at 3560 W 95th Street at the corner of 95th and Central Park on the South Side of Chicago near Oak Lawn was recently remodeled!

We offer same and next day appointments. You can call 800 CALL PFG (800-225-5734) to set up a FREE consultation or you can click the link below to schedule online!

https://www.infotapes.com/Bankruptcy/OfficeLocator

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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.

Injured? Call PFG!

Injured? Hurt at Work? Call PFG!

Since 2017, Geraci, Arreola, and Hernandez clients received over $13.5 million in personal injuries and workers compensation cases.

Have you been injured? A family member hurt at work? Call Geraci, Arreola and Hernandez at 800.401.4010. Our team specializes in injuries to fight for you.

Are you struggling with the debt since the injury? Geraci Law will review your situation to determine if bankruptcy is an option. Debt and injury experts in one place, one phone call to figure out a possible solution.

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.

Reviews from Geraci Law Clients!

Reviews from PFG Geraci Law Clients 

Below are REAL reviews from Geraci Law clients.

For Attorney Sharon Hunt, “Finding yourself in a position where you’re 25 years old, in over your head in CC debt and recently unemployed was, needless to say, stressful and embarrassing. When I started considering my options-bankruptcy felt scary and like an option that could ruin my future. When I made the decision to move forward with this option. I looked into who I felt would make me feel taken care of. Peter Geraci and the firm represented themselves in such a way that I felt comfortable going in for my consultation and after speaking with Attorney Jonathan Parker I knew I was in good hands. He was kind, professional and direct. He made sure I understood all of the options and the process. I’m currently waiting to have my meeting of creditors and feel confident that Geraci Law has done everything to make this go as smoothly as possible and all taken care of.  Thank you Geraci Law & team!”

For Attorney Joseph Blaha, “Very helpful very informative 5 stars to GERACI and 5 stars to our attorney JOSEPH BLAHA he truly is one of kind. He answered all of my questions to the up most level of professionalism. Even with my children present, he was patience understanding of me and my wife situation. Even when my wife left to go get our other daughter. He explained all the forums to her as well. So if you are ever in need of help with a chapter 7 or 13 I recommend Joseph Blaha at Geraci!”

For Attorney Mark Levine, “Great staff. Mark Levine was knowledgeable and helpful every step of the way, and helped us navigate a number of potential roadblocks with ease. If you’re buried in debt and need help, we would definitely recommend consulting Geraci Law.”

For Attorney Lizette Villegas, “I had a great experience with Geraci Law and attorney Liz. I was extremely nervous and had a feeling of shame coming into the office, but after meeting with Liz I felt so much better, relieved, and felt back to normal. Liz also took away that feeling of embarrassment and shame. I am very excited for this new start that my attorney and Geraci Law have given me. Liz made this so much easier!”

For Attorney Shera Bucchianeri, “Our experience with frank has been great he was very helpful with the beginning of our Bankruptcy process now we have been helped by Shera Bucchianeri and omg she is fantastic thank you so much for your help. ”

For Attorney Scott Greenwood, “I have been through the process of a bankruptcy in the pass with another firm, was not a good outcome! Upon accessing Geraci Law Firm I had the impression of a very professional firm. Things were explained and very clear as the next steps in the process. This made me feel very comfortable and ensured that I had come to the right place! Scott Greenwood was very professional and nice during each of my visits to the firm. Once again thank for making feel at ease during a stressful time!”

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.