Chapter 1

Chapter 2
Don’t be embarrassed, nervous or afraid

Chapter 3
What causes people to need Banruptcy Relief

Chapter 4
What is the Procedure to File Bankruptcy?

Chapter 5
When should I file bankruptcy?

Chapter 6
What do I lose if I file bankruptcy?

Chapter 7
What happens to my credit score if I file bankruptcy?

Chapter 8
What can bankruptcy do for you?

Chapter 9
What Does Bankruptcy Cost?

Chapter 10
What is the Real Price Difference Between Bankruptcy Lawyers?

Chapter 11
If I am Married, Can I File a Bankruptcy Without my Husband or Wife?

Chapter 12
Will My Employer Find Out if I File Bankruptcy?

Chapter 13
Does Chapter 7 or 13 Bankruptcy “Ruin My Credit?”

Chapter 14
If I File Bankruptcy, Can I Leave Bills or Property or Transfers Off my Bankruptcy Petition?

Chapter 15
Can I File Bankruptcy on Bills in Someone Else’s Name?

Chapter 16
How Does Filing Bankruptcy Affect My Credit Union?

Chapter 17
Can I file bankruptcy if I have co-signers?

Chapter 18
What About My Car in Bankruptcy?

Chapter 19
What Happens to My House in Bankruptcy?

Chapter 20
When Will Creditors Stop Bothering Me?

Chapter 21
Cross-Collateralization Agreements in Bankruptcy

Chapter 22
Bankruptcy and Joint Accounts with Parents

Chapter 23
When do I stop paying my creditors?

Chapter 24
Gas, cable, electric and phone bill

Chapter 25
Bankruptcy and Divorce, Alimony, & Child Support

Chapter 26
What Bankruptcy won't solve

Chapter 27
Chapter 13 Debt repayment Plans

Chapter 28
Will I be able to get credit again?

Chapter 29
Bill Consolidation Loans

Chapter 30
Bill Consolidation Scams

Chapter 31
Wage Assignments, Deductions and Levies

Chapter 32
Student Loans

Chapter 33
Can I get rid of Taxes

Chapter 34
NSF Checks, Traffic & Parking Tickets

Chapter 35
Surrendering Real Estate & Time Shares

Chapter 36
Business Bankruptcy

Chapter 37
Professional Persons

Chapter 38
Do you ever "Not Get" a Discharge?

Chapter 39
File bankruptcy for the debts of my deceased spouse or child?

Chapter 40
What if I need a Bankruptcy lawyer near me?

Chapter 41
About Geraci Law LLC and Peter Francis Geraci

CHAPTER #1 Introduction

Geraci Law Bankruptcy attorney logo

Geraci Law is one of the largest consumer bankruptcy firms in the U.S. with offices in Illinois Indiana and Wisconsin, and over 100 attorneys and staff concentrating in representing working people who need to eliminate or consolidate their debt. With more than 30 locations, and almost 35,000 five star reviews in the last 3 years alone, more people choose Geraci Law to represent them that just about any other law firm.

That’s why so many people pick Geraci Law. Experienced lawyers, fair fees, payment plans, no money down if you qualify. Text messages and reminders, instructional videos, tips on raising your credit score. And you get to use the Geraci Law Client Corner right on your cell phone or tablet to upload documents and message us 24/7. You get to take my 2 hour debtor education course for only $25, so you can learn how to make your life better.

So, when you put together 40 years’ experience, reliability, 35,000 five star reviews, convenient offices, payment plans, why pay the same and not get the name? Geraci Law. Every year, clients across the country ask Geraci Law to eliminate or consolidate over $1 Billion in debt. Our attorneys have over 500 years total combine experience.

Does a bankruptcy cost less at Geraci Law? Yes. The cost of a bankruptcy is not only the fee you pay, but what you get in terms of guidance, debt reduction, and preservation of assets.

Do I “lose” anything by filing a bankruptcy with Geraci Law? Nothing but your DEBTS! We are very careful with houses, cars, bank accounts and property, especially under Chapter 7. We protect your assets.

Any reason I should not file a bankruptcy? Sometimes, and we will tell you if we think you should not file. Some reasons are: A court would not approve a discharge, you need to wait between filings depending on the chapter, you have too much income or property, or you want to discharge debts that are, by law, not dischargeable.

There are plenty of secrets involved with bankruptcy proceedings, that not to many people know, such as “some student loans are dischargeable”, and “some tax debts can be eliminated”. I’ll tell you more secrets in the next Chapters.

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