Gary Ray Fraley

I am a California State Bar CERTIFIED Bankruptcy Law Specialist. Less than 1 in 1,000 attorneys are Certified Bankruptcy law specialists. I have been helping clients just like you solve their debt problems for 41 years. I have been teaching national bankruptcy law seminars for ovpver 15 years. I give my FREE credit rebuilding educational book just for coming to see me. I will give you a Free 1 hour 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. $200 retains our firm. There is an additional $100 discount in Chapter 7 bankruptcy fees if you retain at your initial consultation. I also give discounts to Military & Veterans, Senior Citizens, Disabled and People with Low Income. Don't be afraid to some 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????

Bankruptcy

Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief

• 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

2001 - Current

I am one of only about 154 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 then them?

Univ of Southern Calif

Undergraduate Degree

UCLA School of Law

Law Degree

California State Bar  # 80056

Member

1978 - Current

48 Do's & Don'ts When Considering Bankruptcy

Self Published

2012

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

Pre-filing exemption planning; Creating Correspondence; Helping client decide which Chapter -Key differences; When to file - Timing is everything; Liquidating Assets; Case Conversion; Plan modifications & Claims Issues, Nuts and Bolts of Bankruptcy Law, Sacramento CA

September 1, 2010

National Business Institute

How to Remove Junior Mortgages Off Debtor's Home in Chapter 13; Curing Defaults in a Chapter 13 Plans; Lien Stripping; Possible Defenses of Junior mortgagees; Bankruptcy Ethics, Lien Stripping Junior Mortgages, Sacramento CA

June 1, 2010

National Business Institute

Session I: Getting Started With a Bankruptcy Case; Session II: Introduction to the Bankruptcy Code & Rules; Session V: Chapter 7 & Chapter 13 Issues NOTE: YEAR IS CORRECT. HOWEVER, I COULD NOT FIND MONTH OR DAY SO THAT INFORMATION IS ONLY AN ESTIMATE.

California State Bar Certified Bankruptcy Law Specialist

California State Bar Board of Legal Specialization