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 […]

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 […]

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. […]

MILITARY VETERAN’S BONUS REPAYMENT IN BANKRUPTCY

Military Veteran’s Bonus Repayment Demands are Dischargeable in Bankruptcy   You served your country. You agreed to re-enlist based on the offer of a bonus. You gave up time with family and risked your life based on the payment of a reenlistment bonus from your government. All of you lost precious time. That time can […]

If I Have Filed Bankruptcy Before, Can I File Again?

Why would you file bankruptcy again?   Sometimes certain life events happen more than once. For example, a lot of families have more than one child or have lived in more than one house over the course of their lives. These are examples of how life can repeat itself in good ways, but there are […]

How Much Will I Have To Pay To Keep My Car In Bankruptcy?

How Much Will I Have To Pay To Keep My Car In Bankruptcy? Most people can’t go without their car for very long, if at all. Unless you have other reliable modes of transportation, or are able to take public transport, your car is how you take your kids to school and get to work. […]

Chapter 13 Bankruptcy Plan

What Is A Bankruptcy Chapter 13 Plan? There are two main types of consumer bankruptcy and while both will yield results that put you on better financial footing, that is where the similarities between the two types of cases ends. In a Chapter 7 case you are able to wipe out all of your unsecured […]

Is There A Minimum Amount Of Debt Needed To File Bankruptcy?

Is There A Minimum Amount Of Debt Needed To File Bankruptcy? If you are having trouble paying all of your bills every month you are likely overwhelmed, stressed, and looking for solutions. One possibility that may have crossed your mind is the possibility of filing for bankruptcy. But if bankruptcy is one of your thoughts, […]

If I File Bankruptcy Should I Pay Off Some of My Debts?

Debts while Considering Bankruptcy Most people who are faced with the decision on whether to file bankruptcy or not are conflicted about what debts to keep paying and what they can let go when there is not enough money to go around. For many, even after the choice to file bankruptcy is made, there is […]

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