Rockford Residents – We’re Here for You!

Geraci Law Rockford office is open and ready to help any Chrysler workers!

Rockford Residents – We’re Here for You!

Back in 2013, Chrysler shut down the legal department. Before, Chrysler employees had free legal representation including bankruptcy filings. Now, Chrysler employees in need of financial help are left to find their own counsel.

Geraci Law is here for you in our Rockford, Illinois office. No one understands how hard it’s been for employees from Chrysler in Belvidere. Since 2018, you’ve dealt with multiple shutdowns, overtime cuts and furloughs ranging from one week to entire month. Geraci Law staff gets it. We know you are trying, we know it’s tough.

Meet our Geraci Law staff in Rockford. We’ve helped tons of coworkers, friends and family. Geraci Law is local and we’re here for you. Call us at 800 CALL PFG.

JKNAttorney Jason Nielson
Attorney Jason Nielson is a senior attorney at Geraci Law. He is licensed to practice in Illinois and Texas. Attorney Nielson started with Geraci Law in 2007. He is an expert in the Northern and Western districts of Illinois.

Clients say, “Pleased that everything went through in a timely manner! We were helped every step of the way, from filing Chapter 7 or Chapter 13. We were guided through each step, very helpful! Our minds were set at ease. Give a call to: Jason Nielson if you have questions about any Bankruptcy and Dept Legal Service you need. As with us, we are sure he will answer then guide you as to the best route for you! Thank you Jason.”

HRTAttorney Phil Hart
Attorney Hart used to work for Chrysler legal department, he now handles court work for Geraci Law. He’s an expert in Chapter 7 and Chapter 13 bankruptcy petitions.

 

 

 

JODAttorney Joseph D’Onofrio
Attorney Joseph D’Onofrio graduated with a Bachelor of Arts from Northern Illinois University. He went on for his Juris Doctorate at Valparaiso University Law School.

Clients say, “Filing bankruptcy is NOT something that I never thought that I should do HOWEVER circumstances changed and I thought it was the worst thing I could do to change my situation. However after going in to Geraci and talking to Mark I was put at ease and decided that it was the best thing I could do. Joe D’Onofrio continued to make this process quick and easy to understand and was of immense help to me. These folks are calming and so easy to talk to and I can’t thank them enough! They are awesome and continued communication has been awesome as well!”

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.

Extra $600 Unemployment Ends on 7/31 – What Do I Do About My Debt?

The extra $600 in unemployment benefits ends on 7/31 – it may be time to rework the monthly budget.

Extra $600 Unemployment Ends on 7/31 – What Do I Do About My Debt?

The CARES Act provided an additional $600 per week in unemployment benefits. It is a federally funded program that is slated to end on 7/31. It’s only two weeks more of the extra income unless something changes. If you are unemployed, you should immediately review your budget. Take a look you’re your budget dependent on the $600 per week extra income? It is time to come up with an alternative solution…fast.

Make a list of your budget priorities. Expenses like your housing, food, utilities. Then take a closer look at where your money is going. Is your income going straight to student loan minimum payments? You could find savings here by consulting with your provider for a forbearance or deferment plan. Federal loans are automatically deferred until September 30th (read more at https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief/forbearance).

Look at other expenses – a good way to find what you are spending money on is looking at your bank statement. Take a look at the last 30 days. If your budget is reliant on using the credit cards to pay for these priorities because you are ALSO paying the minimums then you are in a budget cycle (see Break the CYCLE of DEBT!).

You could be in a circle where you are making the minimum payments but using the credit again because your cash is gone. If you have LESS income coming in after the $600 additional unemployment benefit ends, then making those minimum payments becomes nearly impossible.  Add the interest rates, late fees attached to credit and you have a debt snowballing.

It may be time to consider a bankruptcy. Break the cycle of credit debt. Call Geraci Law and let’s go over options. If you want to consult by phone, we’re ready. Call 800 CALL PFG and ask to speak with an attorney. Start planning for your financial future so when you are back to work or when you have another source of revenue you are not relying on the credit debt to meet the basic essentials.

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.

Unemployed with Debt – What to Do?

If you are unemployed with debt – you should consult an attorney with Geraci Law.

Unemployed with Debt – What to Do?

We are all struggling to figure out existence in this new world. Trying to balance budgets, E-Learning and making sure we have enough hand sanitizer. With the LOSS of income, everything becomes MORE strained.  Not to mention worrying about making the next minimum credit card payment.

Over 33 million Americans are out of work since the start of the pandemic. That number most likely will not decrease but rather increase. When you have debt and you are unemployed – what do you do?

The answer may or may not be bankruptcy. If you have debt – the BEST decision you can make is to call Geraci Law to consult about your financial situation. Our experienced attorneys and staff can help you figure out what to do about the bills. Geraci Law not only has FREE phone consultations, we also have FREE video meetings with our attorneys.

Consider your options. Consider your expenses. Job loss is scary. Filing for bankruptcy with Geraci Law is NOT scary. If we have a solution to your problem, we’ll let you know. If we cannot help you we’ll let you know that too. Talking is important – give us a call at 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 25,000 5-star reviews 5starsince November 2016!

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

Help with Application for Unemployment

Geraci Law wants to provide resources during COVID-19 uncertainty. There’s an APP that helps streamline the unemployment process.

Long hold times are wreaking havoc for people waiting to apply for unemployment benefits. You could wait HOURS before you are able to begin the application process. Geraci Law wants to provide everyone resources to provide clarity during these uncertain times.

An app called “Do Not Pay” is available on IPhones and Androids as a free download. “Do Not Pay” is an app that can help expedite applying for unemployment. This service is free to use.

To apply for unemployment, you will need:

  • Your Social Security number
  • Copy of your Driver’s License or State ID
  • Paycheck stub or W2 from your LAST employer
  • Last employer’s supervisor name
  • Reason for reduced hours or unemployment claim
  • Bank account and routing number
  • The name, how long and the hourly wage from ALL employers in the last 18 months.

The Today Show featured “Do Not Pay” as part of its segments.  You can watch the segment by clicking the link here.

You can check out more useful COVID resources from Geraci Law by clicking the link below:

https://www.infotapes.com/Links#Covid1

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