Chapter 1
Introduction

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 repyament 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
About Geraci Law LLC and Peter Francis Geraci

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

CHAPTER #10 What is the Real Price Difference Between Bankruptcy Lawyers?

I have found that there is very little difference in attorney's fees. You can't save more than a couple hundred dollars between lawyers' fees for the same type of case. Some people like cheap doctors, and some people like cheap food. Some people pick attorneys by a $100 difference in price, not realizing that one deal your attorney makes can save or cost you thousands.

So, the cheapest lawyer in town is not necessarily the best. In other words, go for experience, not price, because there is not much difference in fees for consumer bankruptcies, but there is a big difference in the quality of the advice and service.

For instance, let's say that 5 years later, a bill collector calls and says you left him off your petition, and he wants to be paid. Will you be able to call your attorney who did the Chapter 7, for advice, or will the telephone be disconnected? If it is Geraci Law, yes you can. 7 am to 7 pm and Saturdays until 1 PM. All your records are electronic. No voice mail either.

Usually, Chapter 7 fees can be paid in installments of as low as $100 a month. Chapter 13 Plans including attorney fees are as low as $95 biweekly. If you can't afford $100 or $200 a month, you may have to ask friends or family to help you out.

In my opinion, anyone "shopping for fees" for a bankruptcy attorney, is not thinking clearly. If you can clear $10,000 in debt, tax free for $1500, it is a bargain. 10 payments of $150 or even $200 is a bargain.

Chapter 13 cases are even more of a bargain. In almost every state, the attorney fee is exactly the same. Most Chapter 13 cases get filed "no money down", because it's a repayment plan. Your attorney gets paid from your Chapter 13 payment, which takes care of attorney fees and all debt. Your Chapter 13 payment could be as low as $95 bi-weekly, or more depending on what debt you are paying back.

Geraci Law represents people on Social Security with low income, and people making over $100,000 a year. Anyone quoting the same fee for any case, on the phone, may be engaging in "bait and switch" tactics. But, if you are really were just looking for the cheapest lawyer in town, sadly for you, there are some poor lawyers at the bottom of their career that will work for free. You kind of get what you pay for.

Geraci Law is the largest filer of bankruptcies in Illinois Indiana and Wisconsin, and you will generally find that the largest law firms probably have the happiest clients, and about the same fees, when you get done, as the all-by-myself attorneys.

Lawyers that claim to be "cheap" can often end up costing you more! Beware of "cheap fee quotes on the phone"

In most Chapter 13 cases, you are saving a lot of money on interest, so the cost is less than paying the creditors at their contract rate of interest. However, Chapter 7 cases are usually cheaper than Chapter 13 cases in terms of total cost. Many "cheap" lawyers don't know the difference between Chapter 7 and Chapter 13, so if you go there, you won't know either.




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