Sacramento Bankruptcy Attorneys (Fraley & Fraley)
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For over 33 years the Sacramento Bankruptcy Attorneys law firm, also known as Fraley & Fraley, has been solving financial problems for clients in the Sacramento Valley and throughout Northern and Central California. We helped them get the fresh start they need. We can do the same for you.
Falling behind on bills is something almost everyone has experienced at least once in their life. Many reasons cause people to fall behind on bills. It may be an illness, injury, death in the family or the wage earner had hours reduced or was laid off. Sometimes a temporary loss of income has been solved but the payments are too far behind to catch up. Many small businesses and even big companies have failed, gone out of business or went bankrupt leaving people without any ability to recover.
The Sacramento | Stockton | Modesto | Fairfield | Vallejo region also has been no stranger to reductions in hours, layoffs, furlough days and failing businesses. Bills keep piling up adding late charges and over limit fees until the cycle of debt becomes a self-sustaining whirlpool of destruction.
When this happens to honest, hard-working people, they feel crushed from stress. We regularly see clients in our Sacramento office where bill collectors are constantly calling them, their relatives, friends and even their job. Just going to the mailbox is stressful because of letters from creditors or collection agencies threatening lawsuits and worse.
Homeowners face the potential of losing their home to foreclosure. Sacramento, San Joaquin, Solano, Stanislaus, Sutter, Yolo and Yuba counties have been particularly hard hit. The Sacramento and San Joaquin Valleys have some of the highest foreclosure rates in the nation.
Fortunately, there is hope of a better financial future for you. That future starts by calling our office at (916) 485-5444 to schedule your free bankruptcy consultation in our Sacramento law office with our experienced Sacramento bankruptcy lawyers. While we find it best to meet you face to face in our Sacramento office, we can do a phone initial consultation if you live more than an hour away or are disabled.
Our bankruptcy attorneys can help you determine if you qualify for Chapter 7 Bankruptcy, a Chapter 13 Debt Reorganization Plan or if non-bankruptcy options make more sense for you. Fraley & Fraley’s bankruptcy lawyers will help you throughout the entire process starting with clear, plain English explanations of your bankruptcy options.
Our bankruptcy attorneys have been providing the highest quality Chapter 7 bankruptcy and Chapter 13 Debt Reorganization, and debt negotiation services to our clients in the Sacramento Valley, the San Joaquin Valley, the Gold country and Bay areas.
Gary Ray Fraley, founder of the Sacramento Bankruptcy Attorneys law firm, has been a California State Bar Board of Legal Specialization Certified Bankruptcy Law Specialist for over a decade. Gary Fraley was just re-Certified by the California State Bar as a Bankruptcy Law Specialist for another 5 years. He has been a bankruptcy law attorney for over 1/3 of a century. In addition, Mr. Fraley teaches State Bar approved bankruptcy law seminars for other bankruptcy attorneys. He demands from his bankruptcy attorneys, staff and himself nothing less than the highest quality of services for our bankruptcy clients.
Sacramento Bankruptcy Attorney
Our bankruptcy lawyers have knowledge of the bankruptcy laws and the experience you need to solve your financial problems. That is often accomplished using Federal bankruptcy laws and California exemption laws. Depending on your situation, we may be able to negotiate a solution that will keep you out of bankruptcy.
Our bankruptcy lawyers personally know how the Bankruptcy Judges and Bankruptcy Trustees think about specific bankruptcy laws and issues. That comes from years of experience with these Bankruptcy Judges and Trustees in the Modesto, Santa Rosa, Oakland San Jose and Sacramento bankruptcy courts.
Equally important is that the Bankruptcy Judges and Trustees in those Bankruptcy Courts know us and respect the quality of our work as well as the honesty and integrity of our bankruptcy attorneys. That can make all the difference in how you are treated by the Bankruptcy Trustee and a Bankruptcy Judge. Whether you are successful in getting the debt relief you need with a minimum of hassle and stress to you may depend on their trust of the bankruptcy lawyers at Fraley & Fraley.
While our law office is located in Sacramento, our bankruptcy attorneys represent clients in most of Northern and Central California as well as the Bay area.
Our bankruptcy lawyers almost certainly can help you eliminate or control your debts, just as we have done for thousands of individuals and businesses since bankruptcy attorney Gary Ray Fraley founded the firm back in 1978.
Sacramento Bankruptcy Lawyer
Our Bankruptcy Attorneys Provide the Information You Need
Just as every person and their situation and finances are different, every bankruptcy is also unique. Our Sacramento bankruptcy lawyers will help you determine if you qualify for Chapter 7 Bankruptcy, a Chapter 13 Debt Reorganization Plan or if non-bankruptcy options are right for you. Our bankruptcy attorneys will help you craft a solution tailored to your individual needs and circumstances.
At Sacramento Bankruptcy Attorneys you don’t get hype and a sales pitch for your free attorney consultation. You get real information and real answers to your questions so that you can make pressure-free decisions about your financial future.
Start Making Your Financial Future Brighter Today
If you’re looking to control mortgage arrears, or save your home from a foreclosure sale, call us. If you need to stop creditor abuse, control or wipe out taxes, or wipe out your unsecured debts, call us.
Remember, knowledge is power. No matter what type of bankruptcy or non-bankruptcy option works for you, it is important that you meet with one of Sacramento Bankruptcy Attorneys skilled bankruptcy lawyers to review your situation. We will provide the knowledge you need to decide what is best for you
Take back control of your life from creditors by calling Fraley & Fraley, Sacramento Bankruptcy Attorneys at (916) 485-5444 or 1(800) 875-1005. Schedule your free consultation with a highly skilled bankruptcy lawyer so you and the ones that you care about can have a bright and promising future.
