Gary Ray Fraley

I am a California State Bar Board CERTIFIED Bankruptcy Law Specialist. Only about 1% of attorneys are Board Certified Bankruptcy Law Specialists. I have been helping clients solve their debt problems for more than 40 years. I have taught bankruptcy law seminars for attorneys through the National Business Institute and others for 20 years. I give a Free 1-hour or more bankruptcy attorney consultation. You will get real, usable information about ALL your options and answers to all your questions without the high-pressure sales pitch. My fees are reasonable and are based on your specific situation. The services you need are charged based on a preset checklist. No hidden fees or negative surprises. I give discounts to Military & Veterans, Senior Citizens, the Disabled, and People with Low Income. Don't be afraid to come in and see me. The only people who have to be afraid of me are your creditors. There is a saying, "knowledge is power." Isn't it time you got your power back?

• Violations of the Federal Fair Debt Collection Practices Act / FDCPA
• Violations of the Fair Credit Reporting Act / FCRA
• Debt Negotiation
• Student Loan Law

• Free Consultation
  I give up to a one and a half hour attorney consultation. You get real information about your specific options and answers to all your questions. No high pressure sales tactics. Just honest and complete answers to your questions.
• Credit Cards Accepted
  I can only accept DEBIT CARD payments from clients needing bankruptcy services. I can accept CREDIT CARD payments from people who are not going to file bankruptcy and want to pay fees for my clients.
• Rates, Retainers and Additional Information
  Chapter 7 Bankruptcy fees are based on specific factors (on a checklist) that determine the amount of work that will need to be done. Senior Citizen, Disabled and Military (present and Veterans) Discounts are available. Chapter 13 fees may be flat fee or hourly depending on the complexity of the services that will be provided.

California

Since 1978

9th Circuit

Since 1978

Central District of California Federal Court

Eastern District of California Federal Court

Northern District of California Federal Court

Since 1978

Southern District of California Federal Court

Member

National Association of Consumer Banrkuptcy Attorneys

Current

The National Association of Consumer Bankruptcy Attorneys (NACBA) is an organization of over 3,500 attorneys who represent Consumers and Small Business debtors solve financial problems. Attorneys who represent creditors are NOT allowed as members. The organization receives little or no outside funding other than dues and contributions of their members. Members share education, issues and ideas that can be used to help each other and help their clients. NACBA also joins in helping attorneys who are dealing with key issues before the courts and regularly file "Friend of the Court" briefs in key cases including cases in from of the U.S. Supreme Court. The attorney members also lobby for debtor friendly changes in the bankruptcy laws. NACBA, being funded by attorneys who are not getting rich on their clients, has no paid lobbyists. It is the individual attorney members that take their time and effort on behalf of debtors, sometimes lobbying for changes that help debtors by reducing the need for them to file bankruptcy. A NACBA attorney is committed to helping debtors by all means possible. A NACBA attorney is on your side.

Member

Sacramento Valley Bankruptcy Forum

Current

Member

National Association of Consumer Advocates

Current

This group includes both attorneys and non-attorney consumer advocates that are fighting for the rights of consumers against the over reaching of Creditors. These creditors include banks, mortgage companies, auto dealers and financiers, title loan companies, online lenders, debt buyers, debt collectors, payday loan shops, credit reporting agencies and more entities that regularly abuse debtors and often violate consumers rights and the law.

Member

American Bankruptcy Institute

2013 - Current

Actual date is not known.

California State Bar Certified Bankruptcy Law Specialist

2002 - Current

I am one of only about 250 California bankruptcy attorneys CERTIFIED by the California State Bar Board of Legal Specialization as a Bankruptcy Law Specialist. A specialist must be recertified every 5 years. In addition to having to take or teach a much higher amount of ongoing bankruptcy education courses, the attorney must show that they have their practice primarily in Bankruptcy law and handled a significant number of bankruptcy cases including contested matters. The State Bar also requests and obtains the opinions of Judges, Bankruptcy Trustees, the U.S. Trustee, and even other attorneys in the field as to the level of skill and integrity of the attorney. Only the best in the field make the cut. Beware of attorneys that claim to "specialize" in bankruptcy law as many are NOT CERTIFIED by the State Bar as specialists. When the State Bar says that the attorney is one of the best bankruptcy attorneys out there, who is better to judge the quality of the attorney than them?

Univ of Southern Calif

Undergraduate Degree

UCLA School of Law

Law Degree

California State Bar Certified Bankruptcy Law Specialist  # 080056

2002 - Current

Activities: I have taught numerous State Bar CLE accredited courses on bankruptcy issues through the National Business Institute and as a speaker/panelist at the NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS 2017 annual convention in Orlando Florida

National Association of Consumer Bankruptcy Attorneys  # 1843

Member

1998 - Current

Activities: Speaker/Panelist at the Annual Convention of the National Association of Consumer Bankruptcy Attorneys in Orlando FL 2017. Published articles in the National Association of Consumer Bankruptcy Attorneys Journal

California State Bar  # 80056

Member

1978 - Current

49 Do's & Don'ts You Need to Know When Considering Bankruptcy

Self Published

May 3, 2021

Nuts & Bolts of Bankruptcy Law, Webinar, Online

July 21, 2021

National Business Institute

Explaining in detail how the "means test" works. How to change the Debtor's situation legally to qualify where the Debtor would otherwise not qualify to file a bankruptcy. Explaining the California bankruptcy exemption systems, the pulses and minuses of each system, and when to use one or the other. I then explained how to protect assets that would otherwise have to be given to a bankruptcy Trustee to be sold to pay Creditors.

Top 10 Malpractice Issues for Consumer Bankruptcy Attorneys, National Association of Consumer Bankruptcy Attorneys Annual Convention, Orlando Florida

May 6, 2017

National Association of Consumer Bankruptcy Attorneys

Explaining the pitfalls that cause Consumer Bankruptcy attorneys to have items taken by a bankruptcy trustee and sold to pay creditors, and how to avoid having a malpractice claim lawsuit filed against them

Consumer Bankruptcy Fundamentals & Chapter 13 Workshop Line-By-Line, Chapter 7 and Chapter 13 Bankruptcy: Line-By-Line Workshop, Sacramento CA

August 7, 2015

National Business Institute

Consumer Bankruptcy Fundamentals & Chapter 13 Workshop Line-By-Line

Bankruptcy Litigation, Bankruptcy Litigation, Sacramento CA

June 1, 2012

National Business Institute

Session I; Selecting The Right Chapter For Your Client; Session IV: Chapter 13 Step by Step Procedures; Session V: Tips From The Pros NOTE: I COULD NOT FIND THE INFORMATION AS TO THE EXACT DAY AND MONTH OF THE SEMINAR SO THOSE ARE ONLY ESTIMATED.

Consumer Bankruptcy Fundamentals / Chapter 13 Workshop Required Forms, Chapter 7 & 13 Line by Line Workshop, Sacramento CA

August 3, 2011

National Business Institute

Session I; Selecting The Right Chapter For Your Client; Session IV: Chapter 13 Step by Step Procedures; Session V: Tips From The Pros

California State Bar Certified Bankruptcy Law Specialist

California State Bar Board of Legal Specialization