Geraci Law Attorney Alex Wilson at Geraci Law LLC, 1885 N. Farnsworth Suite #6, Aurora, IL 60505 Reports: Client is having her Social security income sent to the Currency Exchange which is charging exhorbitant fees. She tried going to several banks and was denied. Assisted her in finding a pre-paid debit card that had minimal fees so she could preserve her Social Security awarded amount.
Geraci Law Attorney Megan Hayes at Geraci Law LLC, 5465 Grand Ave. #106, Gurnee, IL 60031 Reports: Cl was lost and running over an hour late for 341 meeting. I waited for her for an extra hour and just worked from my laptop.
Geraci Law Attorney Kristin Schindler at Geraci Law LLC, 2304 Plainfield Rd., Crest Hill, IL 60435 Reports: Client appeared in office in person to: - signed post CF K, - doesnt have the internet so called hananwill to set up Dcert for her. will take this week - EZD to continue, went over 341 procedure and explained what to expect - so thankful, says that she was depressed when she came here but I am the angel that helped her. When she prays at night she prays for me because I gave her so much hope.
Geraci Law Attorney Jason Shimotake at Geraci Law LLC, 8658 S. Cottage Grove Ave. #406, Chicago, IL 60619 Reports: Client was distraught for having to even be in my office. I calmed him down and told him that he's already taken the biggest step and all he has to do are small steps going forward. I gave him a snack and we got to talking and soon, we had a plan that worked for him. He left the office feeling like a weight was lifted off his shoulders.
Geraci Law Attorney Charles Kinzer at Geraci Law LLC, 4218 N. Cicero Ave., Chicago, IL 60641 Reports: Client forgot his Social Security card and the Trustee refused to hold the341 meeting. Having a government issued photo and Social Security card are requirements to hold a 341 meeting. Unless clients bring a Social Security card or the Trustee has a copy of an IRS issued tax transcript the meeting will not be held that day and the client will need to come back. In this case we had copies of the tax transcripts on file and Attorney Charles Kinzer brought the transcripts all the way from our office on Monroe to the Trustee's office so that the meeting could be held.
Geraci Law Attorney Alexander George at Geraci Law LLC, 2505 N. Mayfair Rd. Suite 101, Wauwatosa, WI 53226 Reports: Worked with creditor for vehicle to prevent it from being transported 1.5 hours away. It was on the truck and about to leave the city but they agreed to bring it to the local lot.
Geraci Law Attorney Steven Camp at Geraci Law LLC, 33 N. Roselle Rd, Schaumburg, IL 60194 Reports: Client came in with a brand new bouncing baby boy - only 2 months old. Its snowing out here in Schaumburg today and between her purse and her green folder and her baby carriage, Ms. Brito had more than enough on her hands. I helped her carry all her things across the slippery Schaumburg parking lot. Because of this she said that she knew we were different from other law firms, we actually cared.
Geraci Law Attorney Laura Caputo at Geraci Law LLC, 4218 N. Cicero Ave., Chicago, IL 60641 Reports: GAP pulled nothing from Experian and our client could not answer the identity verification questions on AnnualCreditReport.com so I did the following: - Printed the form to request the three credit reports - Filled out the form for the client because she is a Spanish-speaker - Provided an envelope and addressed it for her so she could take it to the post office down the road on Cicero to buy the stamp and mail it that evening.
Geraci Law Attorney Nicholas Tepeli at Geraci Law LLC, 6537 1/2 W. Cermak Rd Suite B, Berwyn, IL 60402 Reports: Our elderly client fell right outside of our office. Myself and BFL immediately ran outside to help her up, assist her to her car and make sure she was ok. Client was very thankful for our assistance and care.
Geraci Law Attorney Juan Villalpando at Geraci Law LLC, 17055 S. Harlem Ave, Tinley Park, IL 60477 Reports: 1. interviewed W at home; 2. W was in the living room on the sofa said her "legs are out," needs a wheelchair to move, and uses oxygen tank for breathing, and has heart failure, however, she has a sharp mind 3. W signed Crauth, filled out a PNK, and signed SU1's, and 7 Retainer, and PFG K 4. H scheduled SRP for 141204 at 12:30; H will pick up the PET for Wife to sign, and return the PET in TIN 5. CL really appreciated that we went out of our way to interview W at home, and shows that we really care about our CL
Geraci Law Attorney Lisa Haley at Geraci Law LLC, 8658 S. Cottage Grove Ave. #406, Chicago, IL 60619 Reports: Client completed taxes online. I helped him make sure he was matching the information correctly.
Geraci Law Attorney Christine Kuhlman at Geraci Law LLC, 927 S. Mannheim Rd., Westchester, IL 60154 Reports: Client came in because there is a lawsuit for student loan that is joint with Mom. Mom filed a prior Chapter 7 with us, but the student loan was not discharged. Firm representing student loans is Blitt and Gaines. We called together in the office to work out a payment plan so that Blitt & Gaines will cease action on the suit in regards to her and mom. Client so relieved to have finally taken care of this, was very nervous about student loan creditor taking action in regards to Mom.
Geraci Law Attorney Mariusz Zatorski at Geraci Law LLC, 96 River Oaks Center #C43A, Calumet, IL 60409 Reports: During Chapter 13 RP, client received a phone call that his house (which he is trying to save) is on fire. Client called 911 and had to leave. Asked if he can reshedule his appointment with me for tomorrow. Told him no problem, RIV is open, but I will be at COT. Client asked me if I can see him at COT tomorrow- he will make the drive. Told him no problem, go take care of the house and I set another RP for COT. Client was happy and I will get instant report on the status of the house tomorrow.
Geraci Law Attorney Brent Berning at Geraci Law LLC, 2505 N. Mayfair Rd. Suite 101, Wauwatosa, WI 53226 Reports: Stored all of the relevant Geraci Contact Information into this 64yo's Smart Phone and set up and taught her how to use her GMAIL and the basic functions so client could email without having to call. Also called using VOIP and stored that contact into phone as well so it pops up with our number.
Geraci Law Attorney David Kosk at Geraci Law LLC, 7015 W. North Ave., Oak Park, IL 60302 Reports: When reviewing the bankruptcy petition, we discovered that client's life insurance policy is a whole life insurance policy with a $4700 cash surrender value. She was not aware of any cash surrender value but decided to continue with the Chapter 7 because she could not afford to pay her bills in the Chapter 13. Client also owns a vacant lot next to her home. The mortgage documents are unclear as to whether it is covered by her current mortgage. The Trustee requested documents after her 341. After a timely response and document review, the Trustee has decided to not pursue any of the client's assets. She should receive her discharge in a few weeks.
Geraci Law Attorney Tarek Khalil at Geraci Law LLC, 498 W. Boughton Rd. Ste 101, Bolingbrook, IL 60440 Reports: At her meeting of creditors I went over her reaffirmation documents and put her first on the list because she seemed tired. I even consulted another attorney to go before him, which he accepted.
Geraci Law Attorney John Sadler at Geraci Law LLC, 3640 West 95th St., Evergreen Park, IL 60805 Reports: Ms. Lee was being garnished by her student loans. She was scheduled to stop by to make a payment toward her filing fees, but rather than just taking her payment, I pulled her back, drafted her petition & plan with her, and RP'd her on the spot. We pulled her check stubs from her employer's website, and worked her case up, and were able to get her case filed a few days later. Rather than just quickly turning her away, I was able to file her case much faster than she'd originally planned and stopped her student loan garishment.
Geraci Law Attorney Lisa Ellmaurer at Geraci Law LLC, 2505 N. Mayfair Rd. Suite 101, Wauwatosa, WI 53226 Reports: During client's last visit to WAL's waiting room client was extremely nervous, pacing around and asking all sorts of questions. Asked me if I knew anything about the Real Housewives star that was in court for bankruptcy fraud; wanted to make sure she never did anything like that because she was worried about her C13 case and her converted C7 case. Just so happened that I had read the indictment previously and was able to explain to the cl what the suit was about (fraudulent schedules, false testimony under penalty of perjury, scheme to defraud). It kept her relaxed, she was happy to know more about it, and she was extremely relieved to know that she did nothing of the sort during her own bankruptcies.
Geraci Law Attorney Abraham Pinon at Geraci Law LLC, 2505 N. Mayfair Rd. Suite 101, Wauwatosa, WI 53226 Reports: AR accidentally took two withdrawals this month. Client called hysterical crying saying her she can't pay her rent now. I contacted AR and had the money refunded to her account. I called her back to let her know that everything had been corrected she said that I was her angel and that she had a dream about a man named Abraham who helped her. I told her I am here to help and sorry for the trouble. Crisis averted.
Geraci Law Attorney Marc Affolter at Geraci Law LLC, 5465 Grand Ave. #106, Gurnee, IL 60031 Reports: Unfortunately, CL gets rides everywhere through a bus service for seniors, and there wasn't a bus going back to Zion for another hour after her appt. I apologized that she had to sit around for so long afer a relatively short appointment, so as she was waiting for her bus I made sure that she was stocked with a bottle of water, some snacks, and some good people magazines. Whoever said a waiting room had to be boring?
Geraci Law Attorney Adam Suchy at Geraci Law LLC, 3640 West 95th St., Evergreen Park, IL 60805 Reports: On this case client had judgment and an order for possession against him for HoA arrears. We reached out to the HoA Attorney and confirmed that if we filed a chapter 13 they would stay the eviction process and allow client to remain in his unit. Client signed up 150119 and was filed 4 days later on 150123.
Geraci Law Attorney Wylie Mok at Geraci Law LLC, 4218 N. Cicero Ave., Chicago, IL 60641 Reports: H suffers from MS and wants to reaff on 08 Scion XD because it is easy to get in and out of the Scion in his wheelchair. However, reaff from American Credit Acceptance is $12,392 bal and 27.5% interest. I called ACA and told creditor they could either lower the bal and int rate or they could have the car back. ACA sent a new reaff in 2h, balance now $11k and int rate 16.5%. H&W thrilled, appreciate that we were able to negotiate on veh reaff
Geraci Law Attorney Paul Jensen at Geraci Law LLC, 3640 West 95th St., Evergreen Park, IL 60805 Reports: When IRS site refused to provide client's tax returns, I helped client track down his tax preparer over the internet. We got all 4 years of taxes in a flash.
Geraci Law Attorney Michael Holsen at Geraci Law LLC, 6218 Washington (Rt 20) #E, Racine, WI 53406 Reports: Mr. Ford brought in 2013 prepared, but unfiled, income tax returns for his joint case with his wife. Instead of blindly scanning the returns, I looked and saw that they listed only his wife Mary, and that the filing status claimed was Head of Household. "Why didn't you file together, William? Were you separated?" I asked. "No, we lived together all year, but I didn't earn any money that year!"... I explained that not only is it incorrect to claim Head of Household if you're married, and not "considered unmarried" (separated more than six months), you're actually worse off than filing Married Filing Jointly! Told him to take this to a tax professional to be sure, but that changing your filing status, getting the additional deduction/exemption and reduced tax rate SHOULD result in another $1,600 or so added to your refund! As this case is under median, this will also result in additional funds for gucs we can claim later, and the client will keep an extra $800! First refund after CF so couldn't adjust w/h to avoid getting refund. (JJB has advised them to do for future years).
Geraci Law Attorney Kathryn Mackenzie at Geraci Law LLC, 6218 Washington (Rt 20) #E, Racine, WI 53406 Reports: C7 from 2012. She said the b/k was the best thing to happen for her. She sent an email to me stating we "changed [her] life for the better." Its been almost 3 years since her discharge, and she is in the process of purchasing her first home! It goes to show that b/k has more positive influences than merely getting out of debit; it truly is a fresh start and allows people to start over.
Geraci Law Attorney Andrew Nelson at Geraci Law LLC, 7015 W. North Ave., Oak Park, IL 60302 Reports: Client has a hard time getting to our office because she has no vehicle& doesn't like to take the bus because she is elderly. She doesn't have email and was worried about finding a ride to get to our office to sign her post filing contract. She is on fixed income and doesn't have spare cash for taxi fare or to pay someone to drive her. So, we emailed it to her with a postage paid return envelope. She signed it and mailed it back to us and is very happy we saved her travel expenses and a trip to the office.
Geraci Law Attorney Daniel Fasman at Geraci Law LLC, 4315 E State St. Suite B, Rockford, IL 61108 Reports: The debtor is filing bankruptcy to avoid a driver's license suspension for an uninsured accident. The debtor is 19 years old and this year will be the first year she will file a tax return. At her appointment to finalize her petition, the debtor and I discussed the importance of using a tax professional in order tomaximize her tax refund and reduce the possibility of tax debt. I sent debtor a list of local tax professionals in the Rockford area.
Geraci Law Attorney Kyle Dallmann at Geraci Law LLC, 33 N. Roselle Rd, Schaumburg, IL 60194 Reports: Clients kept owing taxes throughout duration of plan, IRS filed 1305 claims which were being set to be paid priority, thus making plan unfeasible Filed motion to have claims treated as unsecured general claims. IRS is willing to work out a deal in this case where they withdraw the rest of their claims and clienjts get their discharge.
Geraci Law Attorney Robert Crowley at Geraci Law LLC, 2505 N. Mayfair Rd. Suite 101, Wauwatosa, WI 53226 Reports: Cl appeared at her daughter's (622-315) 341 hearing. Informed me that Springleaf had refused to pick up her2002 Hyundai she was attempting to surrender. Adv that I would call Springleaf to attempt to get a lien and title release of the vehicle. After speaking w/ Springleaf an arrangement was made for cl to find a salvage yard to arrange pickup and Springleaf would work with the salvage yard to pick up the vehicle
Geraci Law Attorney Briana Czajka at Geraci Law LLC, 498 W. Boughton Rd. Ste 101, Bolingbrook, IL 60440 Reports: Client wanted to make sure that her parents were repaid the money that they loaned to her through the bankruptcy. I sent several emails explaining how to file claims, but the client and her parents were confused. I offered to file the claims during the thirty days after the claims bar date as allowed by Rule 3004. Client was very thankful for the offer. On the first day after the claims bar date, I filed the claims. Now client's parents will be paid through the bankruptcy as the client wished.
Geraci Law Attorney Shera Bucchianeri at Geraci Law LLC, 7015 W. North Ave., Oak Park, IL 60302 Reports: Cl is going to be 89 yrs old in March '15! So I put on her coat, buttoned it and carried her heavy purse as I walked her to the bus stop.
Geraci Law Attorney Dale Riley at Geraci Law LLC, 55 E. Monroe Street #3400, Chicago, IL 60603 Reports: I originally met with the client because he had fallen behind on his Chapter 13 plan payments. He came in to discuss getting a lower payment for his pending Chapter 13 based on his job change but I made sure to discuss everything that had changed in his life recently that caused him to fall behind in his payments, not just the change in salary. By spending the extra time discussing everything that was new we discovered that by filing a new case we could stop a sheriff sale on real estate that he'd previously wanted to let go. The new case is now filed, his sheriff sale was stopped and he's on his way to catching up on all of his mortgage arrears because I made sure to have a detailed conversation with him about his entire life, not just the basic facts.
Geraci Law Attorney Joseph Blaha at Geraci Law LLC, 6218 Washington (Rt 20) #E, Racine, WI 53406 Reports: Clients came in stressed out. After hearing what we can do for them they demand- "how quick can you get this done!?" - I notice we are free for an hour- so I say how soon can you get me $310 on debit? - she throws it down- so while ELI and MEH helped DP I helped them go online and get their paystubs. Filed within 24 hours. Clients happy.
Geraci Law Attorney Frank Hernandez at Geraci Law LLC, 6537 1/2 W. Cermak Rd Suite B, Berwyn, IL 60402 Reports: Asissted in refile, prior dismissed, we were PIF, said very please with our services, I was initial SU atty, returned for another!
Geraci Law Attorney Felicia Petroff at Geraci Law LLC, 2505 N. Mayfair Rd. Suite 101, Wauwatosa, WI 53226 Reports: 150128 DI - Cls came in for AA3 amendments, but had lots of questions/concerns about their son's gsls (currently in default, one of which they co-signed). Took time to explain co-debtor stay and options son could look at to get back on track with gsls.
Geraci Law Attorney Lizette Villegas at Geraci Law LLC, 2121 W. Army Trail Rd #106, Addison, IL 60101 Reports: The client is an elderly women with bi-polar disorder. She walked in to our office on Army Trail road without an appointment and extremely flustered about completing the second (debtor) education course. I immediately walked her to my office and offered to help. She had contacted Sagea few days ago to complete the course, but after they took her debit information to pay for the course, the call dropped. She tried calling them back several times, but wasn't able to get a hold of them. She was worried they charged her card without providing her with any services. I contacted Sage on behalf of the client and verified a payment didn't go through and that there was no pending payment. I then contacted Hananwill and scheduled the client to complete the course tomorrow at 6pm, a time convenient for her. I walked her through the steps on how to complete the course over the phone and wrote the instructions on a piece of paper to take home with her. She left the office feeling much more relaxed and very appreciative for my help.
Geraci Law Attorney Ann Kramer at Geraci Law LLC, 4550 S. 27th St, Milwaukee, WI 53221 Reports: Clients don't have a computer at home. I stayed late with clients after SU so that they could look up all of their paystubs and taxes online and saved them to their file.
Geraci Law Attorney Mark Levine at Geraci Law LLC, 33 N. Roselle Rd, Schaumburg, IL 60194 Reports: These clients are EXTREMELY religious and live a 'faith-based' life. Nothing wrong with that of course, but it was causing them extreme conflict in regards to their decision to file for bankruptcy. So.....not only did I point out for them the portion of PFG's DVD presentation that references the Bible and 'release', I looked it up for them and gave them the exact passage, which is, as PFG knows, from Deuteronomy 15:1.......... "At the end of every seven years you shall grant a release. And this is the manner of the release: every creditor shall release what he has lent to his neighbor. He shall not exact it of his neighbor, his brother, because the Lord's release has been proclaimed. Of a foreigner you may exact it, but whatever of yours is with your brother your hand shall release. But there will be no poor among you; for the Lord will bless you in the land that the Lord your God is giving you for an inheritance to possess— if only you will strictly obey the voice of the Lord your God, being careful to do all this commandment that I command you today. ... Must have done the trick for them. They not only signed up with us but they came back 3 days later and gave me all 2k we need for CF. Nice!
Geraci Law Attorney Jason Nielson at Geraci Law LLC, 4315 E State St. Suite B, Rockford, IL 61108 Reports: Debt consolidation scam: Defense Lawyers PA agreed to settle her debt for an $8,800 fee. Explained what that buys her: many creditors laugh at these offers (Discover and AmEx especially), cannot include medical, mortgage arrears or vehicles, AND you will get a 1099 for any "settled" debt that may increase your tax liability to the IRS. In a 13: for less than half, I can eliminate ALL of your unsecured debt for less per month. Additionally I will be here in a year versus any supposed debt settlement company. Convinced, we cancelled her debt consolidation via fax and I helped her fill out the complaint form w/ the Illinois Attorney General.
Geraci Law Attorney Cecil Scruggs at Geraci Law LLC, 17055 S. Harlem Ave, Tinley Park, IL 60477 Reports: She came in thursday night worried because her car was due to be sold at auction on Monday. I was able to have her sign her Chapter 13 petition that night and have her case filed the next day. So instead of her car being sold on Monday she was able to instead retrieve it on Monday!
Geraci Law Attorney Christopher Dyer at Geraci Law LLC, 55 E. Monroe Street #3400, Chicago, IL 60603 Reports: I objected to 7 different claims that were filed with insufficient supporting documentation to lessen the total amount he has to to pay to his creditors. This will neable his case to complete on time!
Geraci Law Attorney Ashley Chike at Geraci Law LLC, 8658 S. Cottage Grove Ave. #406, Chicago, IL 60619 Reports: Mortgage Company wanted to remove the client's home from bankruptcy protection when the client fell behind on mortgage payments. The Mortgage Company refused to give the client a continuance to cure the default. I explained why the client fell behind to the judge and the judge agreed to give the client a long continuance to get current even though the Mortgage Company refused. Now, the client will get to keep the home under bankruptcy protection by getting current on payments.
Geraci Law Attorney Jonathan Parker at Geraci Law LLC, 55 E. Monroe Street #3400, Chicago, IL 60603 Reports: client is desperately poor, living on charity and doing this with help from his parents. since su1 he has run into difficulties paying his rent (about which he has emailed numerous times). i provided him with numerous resources within the city to help pay his rent or to place him into subsidized housing if he is not called back to work.
