Chapter13king.com is a service of the Law Offices of Peter Francis Geraci. For over 26 years, our law firm has been getting people out of debt. Chapter 13 is a reorganization under Federal bankruptcy law. Big corporations use Chapter 11 when they are overwhelmed with debt. You can use Chapter 13 for your own debts.

Forget "Bill Consolidation" Bill Consolidators, and Credit Management services merely make a deal with credit cards to take your payment, and send it to the credit card companies! You have to cut up the cards, you show "9's" on your credit report, and you still have the debt. Not only that, bill consolidation rarely works on car loans, check credit, personal loans, finance companies, repossessions, and almost never works on secured debts such as furniture loans.

A well-thought-out Chapter 13 plan can stop foreclosures, force credit card companies to take as little as 10 cents on the dollar, and pay your vehicle loans and mortgages 100%. Chapter 13 can also deal with past due income tax debt, parking tickets, and a variety of other debt.

If you have large credit card debt, are behind in your mortgage or home equity loan, behind in condo assessments, because you are paying credit cards, or because of a divorce or reduction in income, Chapter 13 can be a perfect way to get "debt free forever". Most plans last 36 to 54 months, and when you complete your plan, your vehicles are paid for, you get the titles, your mortgage is current, and you have a certificate of discharge on the other debt. You can then live a normal life, "debt free forever"!
 

The law offices of Peter Francis Geraci is one of the largest and oldest consumer bankruptcy firms in the country. The Law offices of Peter Francis Geraci has 30 years experience, representing over 150,000 clients in Chapter 7 discharge of debt, and Chapter 13 debt repayment plans in Illinois Indian and Wisconsin. With over 20 locations, and 70 attorneys and staff, there is a location near you. Practice is limited to consumer bankruptcy, with serious injury cases, work injuries, birth injuries, accident and death cases handled by our sister firm, Geraci, Arreola and Hernandez, L.L.C.

You can only file Chapter 13 if you have regular income sufficient to meet your regular rent or mortage, and your regular living expenses. If you are unemployed, the chapter13king may be able to eliminate your unsecured debt to free you from creditor harassment using Chapter 7.
 

 Peter Francis Geraci has been a supporter of and advocate for the rights of disadvantaged, disabled and underprivileged children and adults.  Peter Francis Geraci has been recognized for his support of many local institutions and charities, such as Thresholds, Juvenile Welfare Association, Center for Conductive Education, LaRabida Children’s Hospital, Shriners’ Childrens’ Hospital, and many other mental health and charitable institutions.  Peter Francis Geraci received the 2003 Spirit of Benevolence Award from Little City, Palatine Illinois.  Little City is a residential and outreach center for disabled children.  Mr. Geraci donates computer equipment to local grade schools to assist children’s computer literacy programs.

Go to the other pages on this website to get started planning your Chapter 13 Plan. Then, after you've read the examples, get ready to get "debt free forever"! chapter13king can file your Chapter 13 with only the court costs, which is $185. All attorney fees are included in the monthly plan payment, and all creditor harassment stops!