Chapter 1
Don’t be embarrassed, nervous or afraid

Chapter 2
What causes people to need Banruptcy Relief

Chapter 3
“Bill consolidation” or “loan modification” or “credit counseling” or “debt settlement” are usually fraud schemes

Chapter 4
When should I file bankruptcy? plans?

Chapter 5
What do I lose if I file bankruptcy?

Chapter 6
What happens to my credit score if I file bankruptcy?

Chapter 7
What can bankruptcy do for you?

Chapter 8
Common misunderstandings about bankruptcy

Chapter 9
Is bankruptcy bad?

Chapter 10
What does bankruptcy cost?

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
How does filing bankruptcy affect my car or truck loan or lease?

Chapter 19
Can I file a bankruptcy and keep my house or condo?

Chapter 20
If I file bankruptcy, when do creditors stop bothering me?

Chapter 21
What is a Cross-Collateralization Agreement?

Chapter 22
Joint Accounts with Parents

Chapter 23
When do I stop paying my creditors?

Chapter 24
Gas, cable, electric and phone bill

Chapter 25
What Bankruptcy won't solve

Chapter 26
Chapter 13 Debt repyament Plans

Chapter 27
Will I be able to get credit again?

Chapter 28
Bill Consolidation Loans

Chapter 29
Bill Consolidation

Chapter 30
Wage Assignments, Deductions and Levies

Chapter 31
Student Loans

Chapter 32
Can I get rid of Taxes

Chapter 33
NSF Checks, Traffic & Parking Tickets

Chapter 34
Surrendering Real Estate & Time Shares

Chapter 35
Business Bankruptcy

Chapter 36
Professional Persons

Chapter 37
Do you ever "Not Get" a Discharge?

Chapter 38
About Geraci Law LLC and Peter Francis Geraci

Chapter 39
Who is the best Bankruptcy lawyer near me?

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


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 20,000 five star reviews in the last 3 years alone, more people choose Geraci Law to represent them that just about any other law firm.

All Chapter 13 cases cost exactly the same. We have better record of success than almost any other law firm. Numbers don’t lie. So why pay the same, and not get the name? Why go to an unknown lawyer for Chapter 13, when you will pay the same at Geraci Law? All Chapter 7 cases are very complicated, and you get what you pay for. In many cases, what you think is a cheap fee for Chapter 7 can cost you $4000 or $5000 more in mistakes. I myself would rather have a Jeep or a Ford, than a car put together by some unknown mechanic in his back yard.

That’s why so many people pick Geraci Law? Because you get more for your money. 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.

If that’s not enough, we charge exactly the same as an inexperienced lawyer for Chapter 13. And we do a better job. So why would you pay the same, and not get the Geraci Law name? That’s just dumb. We do more Chapter 7 cases than any other law firm in the country. Don’t be fooled by a cheap price on the phone from some unknown attorney, who doesn’t even show up in court. Going to an unknown lawyer for a federal bankruptcy case could cost you $5000 or more, or loss of your income tax refund.

So, when you put together 40 years’ experience, reliability, 20,000 five star reviews, convenient offices, payment plans, and top it all off with the same or even less than you’ll get charged by a “no-name” lawyer on Craigslist, why pay the same and not get the name? Geraci Law.

Why go to some inexperienced or careless lawyer and get put in the wrong kind of bankruptcy and lose $5000 or more? Ask us for examples if you don’t believe it happens.

I’ll tell you more secrets in the next Chapters.