Geraci Law Client Reviews

Sample of Geraci Law reviews written by ACTUAL clients. Call Geraci Law for the PFG Difference at 800.401.4010.

Geraci Law Client Reviews

Below is a sample of Geraci Law’s over 28,000 reviews written by REAL clients. Check out more client reviews at https://www.infotapes.com/GeraciReviews.

Attorney Rodney Geer, Geraci Law Merrillville 

“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!”

Attorney Jason Nielsen, Geraci Law Rockford 

“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.”

Attorney Ashley Chike, Geraci Law Evergreen Park/Chicago

“The staff are ALL so friendly helpful and helped me through my very trying time of need. I don’t know what I would have done without them! They explained and went over everything step by step and was very detailed about my chapter 13. They made me feel like a person and not just another case. They took my stress level from 10-0 really quick!! What are you waiting for?!? Call them now!! Let them help you too!”

Attorney Marc Affolter, Geraci Law Gurnee 

“Working with Mr. Affolter at Geraci Law in Gurnee was a great experience for me, he helped me understand what I needed to get done and communicate with me as sound as possible whenever I had a question or needed something changed. I would recommend anyone to him because he will work with you and give you his honest advice and the course of action you need to take when filing.”

Geraci Law at Kohler Conference

Geraci Law Wisconsin attorneys attend the Kohler Conference.

Geraci Law Attorneys attended the Kohler Conference in Wisconsin. Attorney Felicia Petroff was asked to be on a panel for the conference for her bankruptcy knowledge.

Attorney Felicia Petroff as a member on the panel.

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Attorney Andrew Golanowski & Attorney Joseph Blaha.

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Attorney Robert Crawley & Attorney Kathryn Mackenzie

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Attorney Lisa Ellmaurer & Attorney Brent Berning

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Attorneys Brent Berning, Kathryn Mackenzie, Abraham Pinon, Robert Crawley, Lisa Ellmaurer & Andrew Golanowski

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Attorney Robert Brynjelsen

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Attorney Brent Berning

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Geraci Law Wisconsin Attorneys

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Attorneys celebrating at the Kohler conference.

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When Should I File For Bankruptcy?

Use Peter Francis Geraci checklist to determine if NOW is the best time to file!

When Should I File for Bankruptcy?

Below is a checklist from Attorney Peter Francis Geraci’s Bankruptcy Book. Use the checklist to review if now is the best time to file for bankruptcy.

Read more of The Complete Book on Bankruptcy by Attorney Peter Francis Geraci at www.bankruptcybookbypeterfrancisgeraci.com

  • Three or more apply to YOU, you should call us NOW.
  • Five or more apply to YOU, then you should have called us months ago.

_____My debt is over $10,000 not including a car or house.

_____My payments are over 25% of my take home pay.

_____I am frequently late on my payments.

_____I pay 20% interest on my debt.

_____I buy necessary items like food or clothing on credit.

_____I frequently get cash advances.

_____I am thinking about getting a loan to pay other loans.

_____ I have a lawsuit and over $10,000 in other debt I can eliminate.

_____Collection agencies are calling me.

_____I am “robbing Peter to pay Paul.”

_____My balances are not going down even though I make payments.

_____I have been turned down for more credit.

_____Payments are more than 1 month behind on more than one bill.

_____My driver’s license is suspended because of an accident.

_____I am working but paying other debts so I can’t afford car insurance.

_____My mortgage or rent is always late, or is behind.

_____We are getting divorced and have too many bills to pay.

_____I have medical bills over $20,000 that are not insured.

_____There is a garnishment or wage assignment on my check.

_____I owe income taxes I can’t pay now.

_____My car is worth much less than I owe.

_____I have no savings.

Either way, Geraci Law offers a free consultation if bankruptcy solves your problem. Don’t wait until creditors file a lawsuit, don’t wait until your savings are spent and do not wait until a car is repossessed. BREAK THE CYCLE!

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

What Happens to My Credit?

Geraci Law answers 5 common questions about credit after filing for bankruptcy. What is “good” credit?

What Happens to My Credit?

Geraci Law answers 5 common questions about credit after filing for bankruptcy. What is “good” credit?

When can I apply for credit?

You can apply for credit after your case is discharged and closed.  But should you apply for credit? You do not want to find yourself in the same position you just discharged in bankruptcy. You are a credit risk immediately after filing for bankruptcy. Creditors KNOW you filed for bankruptcy and after bankruptcy you have limited bankruptcy relief options. These creditors prey on you because you are a credit risk so you WILL get loan offers.

Any credit preapproval you receive will usually come with high interest rates. It may be better to NOT use credit. SAVE money, make house/car payments ON TIME, stay away from the high-interest credit debt and personal loans.

When can I buy a house?

You can apply for a home loan after your case is discharged and closed. Some people are approved while they are IN a bankruptcy. FHA loans might be an option. For a conventional loan, usually its two years after a bankruptcy discharge. Geraci Law is here to help with the process. If you need your bankruptcy paperwork – YEARS down the road, you can log into your Geraci Law Client Corner account to print. You can also search Geraci Law in your app store on your phone to download our Geraci Law app.

What happens to my credit score after filing Chapter 7? Chapter 13?

In your post-bankruptcy life, you should focus on rebuilding financially. Start with a savings account and build an emergency fund. If you have a car payment or mortgage payment, continue to make those payments ON TIME to work to reestablish a payment history.

You will get credit offers in the mail – do your research! Look at the interest rates – if you are going to use the credit, then make sure you pay off what you borrow every month. Do not accept the first offer that comes your way. Review the small print, stay away from the predatory lenders.

When can I buy a car?

After the bankruptcy is discharged and closed you can buy a car. If you are in a Chapter 13 right now, you need court approval if you are looking to FINANCE a vehicle. Craig’s List is a great option to buy a car for cash. You’ll get advertisements from car lots in the mail after bankruptcy – make sure to review the terms. Avoid the high interest, older vehicles without a warranty.

How do I rebuild credit?

  • Pay all of your bills on time! Timely payments prevent late charges and helps you reestablish a payment history.
  • Make sure all of your creditors are reporting to the three major credit agencies (Experian, Transunion, Equifax).
  • Dispute incorrect items on your credit report. Don’t ignore your credit report! All agencies have options to dispute right on their web site, make sure to follow up.
  • Make a large down payment – making a large down payment on any kind of credit make lenders more likely to grant a loan. Your goal should be to put down 20% of the total cost.
  • A small secured credit card is a really great way to build credit with very little risk.

 

  • 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

Debt Settlement & Consolidation – What You May NOT Know 

Debt Settlement & Consolidation – What You May NOT Know 

You see the commercials. You get the ads in the mail. Debt Settlement or Consolidation. When something seems too good to be true, it often is. Many of these “programs” turn out to be scams or schemes.

Sometimes, there ARE cases where debt settlement makes sense. Geraci Law can help! You can meet with an attorney for FREE to determine your BEST plan of action.

What they don’t tell you about debt consolidation:

  • Anything settled CAN BE taxable income. If you settle a $10,000 bill for $1,000 – the difference or $9,000 can be considered taxable income. So at the end of the year, you may receive a 1099-C form from the creditor. Debt discharged in a bankruptcy is NOT taxable income.

 

  • Some creditors do NOT settle. Debt settlement or consolidation is NOT a guarantee. There is no law that forces creditors to accept a smaller payment. If you file for bankruptcy, you are using federal law to get financial help. There are laws in place to protect YOU. Geraci Law is here to help you get control over your finances.

 

  • Your credit still takes a hit. Some agencies will tell you to stop paying the debt and let it go into collections. Then they will work with the collection agencies for a settlement. This takes TIME. You will get collection calls and maybe even SUED by the time the agency attempts to settle. With Geraci Law, you can file in as little as ONE day to stop all collections. This means no phone calls, no lawsuits and no more debt.

 

  • No time frame. There’s no time frame for debt settlement or consolidation. At best, they can give you an estimate but it could go longer. A Chapter 13 debt repayment is structured into a three or five year repayment plan. You have a structured plan in place rather than an indefinite amount of time. Geraci Law will help you determine the fastest way to get control over your financial situation.

 

  • Creditors CAN still sue you. That’s right, there is no legal protection with debt settlement or consolidation programs. If a creditor refuses the settlement offer, they could file a lawsuit in attempt to get a judgment or garnish your wages. Bankruptcy STOPS the collections. Creditors violate Federal statutes if they file lawsuits against you or even continue to call you while under Federal Bankruptcy protection. You hire Geraci Law and we help you from the initial phone call until the end of your case.

 

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

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.