Gary Ray Fraley

Gary Ray Fraley

Gary Ray Fraley
Fraley & Fraley PC, Sacramento Bankruptcy Attorneys
Experience: 45 years
California, 9th Circuit, Central District of California Federal Court and 3 others
Free consultation have
Experience 45y
Videos 14
Online & Web 4

Biography Submit listing

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????

Jurisdictions Admitted to Practice

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

Professional Experience

Current

National Association of Consumer Banrkuptcy Attorneys

Member

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.

Current

Sacramento Valley Bankruptcy Forum

Member

Current

National Association of Consumer Advocates

Member

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.

2013 - Current

American Bankruptcy Institute

Member

Actual date is not known.

2001 - Current

California State Bar Certified Bankruptcy Law Specialist

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?

Education

Univ of Southern Calif

Undergraduate Degree

UCLA School of Law

Law Degree

Contacts

1401 El Camino Ave Suite 370 Sacramento CA 95815 Toll-Free: (800) 675-1005 Telephone: (916) 485-5444 Fax: (916) 485-8969

Videos

Easy payment plan bankruptcy advertising
Transcript
Today I am going to talk with you about bankruptcy attorneys who use false & misleading advertising claiming "low down or no down payment" & "easy payment plans" to get you in their office.
I don't use these terms in my advertising. Don't get me wrong, I offer payment plans just like they do. The difference is that I won't mislead you to get you in my door.
The implication of the "easy payment plan" bankruptcy advertising is that the attorney will file your Chapter 7 bankruptcy before they are paid in full.
That is simply not true.
What they will do is open your file in their office, set you up with a payment plan & maybe take creditor's calls. They won't file a Chapter 7 Bankruptcy until you're paid them in full.
The reason is that bankruptcy case law says that, if the attorney isn't paid in full for all work done before your Chapter 7 Bankruptcy is filed, the bankruptcy attorney's fee is wiped out just like all your other unsecured creditors.
In fact, the bankruptcy attorney can't even ask for money for pre-filing work after the Chapter 7 Bankruptcy is filed. The attorney can't even take postdated checks to be deposited after your Chapter 7 bankruptcy is filed.
You are under no obligation to pay the bankruptcy attorney anything more for their pre-filing services.
Needless to say that would be a very bad business model & the attorney would soon be out of business.
In a Chapter 13 reorganization plan where you make monthly payments to creditors, the bankruptcy law allows some or all the attorney's fees to be paid through the plan.
Not so in a Chapter 7 bankruptcy.
The reason bankruptcy attorneys will deliberately mislead you with "easy payment plan bankruptcy" ads is that, once they get you in their office, they use high pressure sales tactics to get you to sign up with them.
We don't use high pressure sales tactics at Fraley & Fraley.
You have enough pressure from the creditors. You don't need it from some bankruptcy attorney.
Before you go to an attorney who advertises "easy payment plans,” call & ask their staff if they are going to file your Chapter 7 bankruptcy & wipe out your debts BEFORE they are paid in full.
There are two possible answers.
The first is "no." They have to be paid in full before they file your Chapter 7 bankruptcy.
Now you know they are using false & misleading advertising to get you in their door. If they are dishonest in their advertising, what does that say to their honesty in their other dealings with you?
The other answer is of course, "Yes."
That would tell you they don't know their rights, or maybe yours, under bankruptcy law. If they don't know something as fundamental as that, what else do they not know about bankruptcy that could hurt you?
I'm Gary Fraley, Founder & Owner of Fraley & Fraley, Sacramento Bankruptcy Attorneys. I have been serving the Northern & Central California counties since 1978.
Check me out on the web at: SacramentoBankruptcyAttorneys.com, the Avvo.com attorney rating service where I have a perfect 10.0 Avvo rating, & the California State Bar Board of Legal Specialization page for Bankruptcy law Specialists in Sacramento County.
If you need protection from creditors, call me now at 916-485-5444 that's 916-485-5444 so we can schedule your bankruptcy attorney appointment.
There is an old saying "knowledge is power." Isn't it time you got your power back?
Views 289
Likes 4
Dislikes
Comments 0
Bankruptcy Myths & Facts - Congress Eliminated Bankruptcy
Discussing the different Myths and the actual facts involved. For more information visit our site at www.sacramentobankruptcyattorneys.com
Views 117
Likes 4
Dislikes
Comments 0
What to expect when filing bankruptcy personally
I discuss the typical experience for people who are filing bankruptcy. We start with what the initial consultation with the bankruptcy attorney should be like. Then we look at what the relationship between filing bankruptcy and its' effect on your credit and FICO score. Finally I discuss filing bankruptcy and divorce.For more information visit our site at www.sacramentobankruptcyattorneys.com
Views 2311
Likes 15
Dislikes
Comments 8
Bankruptcy Exemption Law in California Explained
Here we discuss the two different California bankruptcy exemption laws work. Standard exemptions are compared and contrasted with the Wild Card exemptions.For more information visit our site at www.sacramentobankruptcyattorneys.com
Views 4144
Likes 32
Dislikes
Comments 7
Sacramento Bankruptcy Attorney Gary Fraley
Fraley and Fraley
Sacramento Bankruptcy Attorneys
1401 El Camino Ave Suite 370
Sacramento, CA 95815
(916) 485-5444
http://www.sacramentobankruptcyattorneys.com/
Views 13960
Likes 4
Dislikes
Comments 1
Sole Proprietorship Small Businesses with Debt Problems Part II
Chapter 7 Bankruptcy Attorney Sacramento

This information about Chapter 7 business bankruptcy, Chapter 13 business reorganization plans, and business debt negotiation is brought to you by Fraley and Fraley, Sacramento Bankruptcy Attorneys.

This is the 2nd video on Sole Proprietorship Businesses in Financial Trouble.

Fraley and Fraley
Sacramento Bankruptcy Attorneys
1401 El Camino Ave Suite 370
Sacramento, CA 95815
(916) 485-5444
http://www.sacramentobankruptcyattorneys.com/
Views 373
Likes 7
Dislikes
Comments 0
Sole Proprietorship Small Businesses with Debt Problems Part I
Chapter 7 Business Bankruptcy

This information about Chapter 7 business bankruptcy, Chapter 13 business reorganization plans, and business debt negotiation is brought to you by Fraley and Fraley, Sacramento Bankruptcy Attorneys.

This is Part 1 of a 2 part video series.

Fraley and Fraley
Sacramento Bankruptcy Attorneys
1401 El Camino Ave Suite 370
Sacramento, CA 95815
(916) 485-5444
http://www.sacramentobankruptcyattorneys.com/
Views 618
Likes 6
Dislikes
Comments 5
California Foreclosure Explained
Explaining Foreclosures in California. For more information visit our site at www.sacramentobankruptcyattorneys.com
Views 82
Likes 1
Dislikes
Comments 0
Sacramento Bankruptcy Attorney
http://www.sacramentobankruptcyattorneys.com/

Fraley & Fraley, Sacramento Bankruptcy Attorneys, provides high quality bankruptcy and debt reorganization services for individuals, small businesses, and corporations.

Our job is to help you take back control of your life from creditors.

The Sacramento Bankruptcy Attorneys law firm focuses on Chapter 7 bankruptcy debt relief and Chapter 13 bankruptcy debt consolidation plans. We also do debt negotiations outside bankruptcy.

Call Fraley & Fraley now at (916) 485-5444 or (800) 675-1005 to schedule your free bankruptcy attorney consultation! Let Fraley & Fraley, Sacramento Bankruptcy Attorneys, show you that getting out of debt may be easier than you think.

Don't be afraid. The only people who need to be afraid are your creditors.

There is a saying "Knowledge is power." Isn't it time you got your power back?

Fraley & Fraley
Sacramento Backruptcy Attorneys
1401 El Camino Ave Suite 370
Sacramento, CA 95815
(916) 485-5444
http://www.sacramentobankruptcyattorneys.com/
Views 316
Likes 2
Dislikes
Comments 0
The Bankruptcy Consultation
http://www.sacramentobankruptcyattorneys.com/

Sacramento Bankruptcy Attorneys | Fraley & Fraley
1401 El Camino Avenue Suite 370
Sacramento, CA 95815
(916) 485-5444

Bankruptcy Video FAQ
http://www.sacramentobankruptcyattorneys.com/video-faq
Views 103
Likes 1
Dislikes
Comments 0
Life after Bankruptcy
http://www.sacramentobankruptcyattorneys.com

Sacramento Bankruptcy Attorneys | Fraley & Fraley
1401 El Camino Avenue Suite 370
Sacramento, CA 95815
(916) 485-5444

Bankruptcy Video FAQ
http://www.sacramentobankruptcyattorneys.com/video-faq
Views 1369
Likes 8
Dislikes
Comments 0
Foreclosure Loan Modifications
http://www.sacramentobankruptcyattorneys.com

Sacramento Bankruptcy Attorneys | Fraley & Fraley
1401 El Camino Avenue Suite 370
Sacramento, CA 95815
(916) 485-5444

Bankruptcy Video FAQ
http://www.sacramentobankruptcyattorneys.com/video-faq
Views 76
Likes 1
Dislikes
Comments 0
Common Mistakes Made by Bankruptcy Clients
http://www.sacramentobankruptcyattorneys.com

Sacramento Bankruptcy Attorneys | Fraley & Fraley
1401 El Camino Avenue Suite 370
Sacramento, CA 95815
(916) 485-5444

Bankruptcy Video FAQ
http://www.sacramentobankruptcyattorneys.com/video-faq
Views 583
Likes 3
Dislikes
Comments 0
Chapter 13 Reorganization
http://www.sacramentobankruptcyattorneys.com

Sacramento Bankruptcy Attorneys | Fraley & Fraley
1401 El Camino Avenue Suite 370
Sacramento, CA 95815
(916) 485-5444

Bankruptcy Video FAQ
http://www.sacramentobankruptcyattorneys.com/video-faq
Views 143
Likes 1
Dislikes
Comments 0
Submit listing
Gary Ray Fraley
Gary Ray Fraley Fraley & Fraley PC, Sacramento Bankruptcy Attorneys

Experience: 45 years
Website: Open
Location: USA
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Languages

English

Certifications

California State Bar Certified Bankruptcy Law Specialist

California State Bar Board of Legal Specialization

Websites

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