Hello, I’m Gary Fraley. I’m a California State Bar Certified Bankruptcy Law Specialist in SacramentoCalifornia.Some times when people file a bankruptcy there is too much equity in the home. Equity is the differencebetween what your home is worth and what is owed on it. If there is enough equity, a bankruptcytrustee can sell the home […]
Blog – Gary’s Take
Homestead Exemption Increase – Success?? Not quite yet. It STILL NEEDS YOUR HELP.
This is the email I sent Governor Gavin Newsom about the ALMOST HOMESTEAD LAW. I need your help. Please, Please, Please, contact Governor Newsom firstname.lastname@example.org to sign off on the AB 1882 homestead law before the time expires for him to do so. As a bankruptcy attorney and certified specialist with 42 years in practice. […]
EMERGENCY!!! help save senior citizens, disabled & others from having their homes stolen by creditors. Legislation vote is tomorrow Monday August 31!!!
HELP! If you live in CALIFORNIA, I NEED YOUR HELP to SAVE California homeowners from having their homes sold by the BIG BANKS & creditors. TOMORROW Monday, August 31, the California State Assembly and Senate will vote on Senate Bill 832 and companion Assembly Bill 1885. This legislation will help keep Senior Citizens, Disabled, Struggling Families, […]
13 Things to survive a job loss due to COVID 19
Welcome to the A-B-Cs of Bankruptcy & Debt Relief for Real People. Hello I’m Gary Ray Fraley. I’m a California State Bar Certified Bankruptcy Law Specialist in Sacramento California. I have been representing consumer and business clients in bankruptcy matters since 1978 when I founded the Fraley & Fraley law firm. Today I am going […]
Can I continue to run my business if I file Bankruptcy?
This is the most important question most business owners want to know. The answer depends upon 2 issues. First is how the business is organized. The second is what type of bankruptcy is filed. In a Chapter 7 straight Bankruptcy, If you have a corporation, a limited liability company or a partnership filing, the company […]
Creditor Meetings Explained
What happens at a Section 341 meeting or creditors meeting, in Chapter 7 bankruptcy?
Debt Settlement Scam
Welcome to the A-B-Cs of Bankruptcy & Debt Relief for Real People I’m, Gary Ray Fraley a California State Bar Certified Bankruptcy Law Specialist with my office in Sacramento CA. I’ve been practicing bankruptcy law for over 41 years. Today I am going to discuss with you the first in a series of videos (of […]
Why representing yourself in bankruptcy can cost you everything!
Representing Yourself in Bankruptcy Outcomes of Representing Yourself in Bankruptcy
When Do You Know It’s Time to File Bankruptcy?
When Do You Know It’s Time to File Bankruptcy? “When does one know it is time to file bankruptcy instead of trying to maintain their lifestyle? And… what if they own a home and cannot lose it because there is nowhere free (i.e. family to stay with to regroup and get back on their […]
Debts, Bankruptcy, and Divorce
Can I use bankruptcy to divorce myself from the debts I was ordered to pay in my divorce? It was a great marriage. Well it was, until it all fell apart. In the divorce your spouse got the gold mine and you got the shaft. Of course, you now have to pay support as well. […]