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Gary Ray Fraley

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also known as Fraley & Fraley Sacramento Bankruptcy Attorneys
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Avvo Rating10
  • Sacramento, CA
  • Licensed for 42 years
  • Free consultation
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Gary Ray Fraley
Gary Ray Fraley
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About Gary

Gary Fraley is a California State Bar Certified Bankruptcy Law Specialist. Less than 1 in 1000 lawyers are Bar Certified. With his 40+ years representing consumers & businesses, count on getting real answers, not just a fee quote.

I'm Gary Fraley, founder of Fraley & Fraley Sacramento Bankruptcy Attorneys. I have been a bankruptcy attorney since 1978. I am a CA State Bar Board Certified Specialist in Bankruptcy Law and have been since 2001. I teach State Bar accredited bankruptcy law seminars for bankruptcy attorneys. I give every person who comes to see me a free credit rebuilding book. I also provide you a free credit rebuilding program worth $1,000 from 720CreditScore.com if we do your bankruptcy.

The philosophy of the my bankruptcy law firm is to give a real, no pressure, free attorney consultation that may last 1 hour or more. The purpose of the consultation is to provide a detailed explaination of the laws & all options as well as answer all your questions. We will provide real solutions to your problems. 

In my non-attorney life I have been a Sunday School Teacher & Church Elder, a 4-H Leader including a Horse Project Leader, a volunteer mounted Forest Ranger, & a teacher of "leave no trace" camping & gentle stock use techniques. I also Judged 4-H horse shows for free for many years.

 

Don't be afraid to come and see me. I don't bite (unless you are a creditor.) The only people that need to be afraid of me is your creditors.

 

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

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Practice areas

OtherForeclosureBankruptcy and debtChapter 13 bankruptcyChapter 7 bankruptcy
  1. Chapter 7 bankruptcy: 30%

    CA State Bar Certified Bankruptcy Law Specialist. 37+ year old Bankruptcy Law Firm practicing Chapter 7 Straight Bankruptcy, Chapter 11 & Chapter 13 Debt Reorganization Plans. We also represent clients in debt settlement negotiations, stopping foreclosures and help with lawsuits & consumer protection matters. WE PREPARE ANSWERS to UNVERIFIED lawsuit complaints for FREE. We represent both Consumers and Business clients with debt problems debtors.

    43 years, 10,000 cases

  2. Chapter 13 bankruptcy: 30%

    CA State Bar Certified Bankruptcy Law Specialist. 37+ year old Bankruptcy Law Firm practicing Chapter 7 Straight Bankruptcy, Chapter 11 & Chapter 13 Debt Reorganization Plans. We also represent clients in debt settlement negotiations, stopping foreclosures and help with lawsuits & consumer protection matters. WE PREPARE ANSWERS to UNVERIFIED lawsuit complaints for FREE. We represent both Consumers and Business clients with debt problems debtors.

    43 years, 10,000 cases

  3. Bankruptcy and debt: 30%

    CA State Bar Certified Bankruptcy Law Specialist. 37+ year old Bankruptcy Law Firm practicing Chapter 7 Straight Bankruptcy, Chapter 11 & Chapter 13 Debt Reorganization Plans. We also represent clients in debt settlement negotiations, stopping foreclosures and help with lawsuits & consumer protection matters. WE PREPARE ANSWERS to UNVERIFIED lawsuit complaints for FREE. We represent both Consumers and Business clients with debt problems debtors.

    43 years, 10,000 cases

  4. Foreclosure: 5%

    43 years, 300 cases

  1. Consumer protection: 5%

    We protect you from collection abuse. We will PREPARE AN ANSWER to your LAWSUIT for FREE. (unverified complaint) We also SUE CREDITORS for violation of State & Federal consumer protection laws. We primarily do bankruptcy but also do consumer defense. Mr. Fraley is a CA State Bar Certified Bankruptcy Law Specialist. He founded his own firm over 37 years ago. Mr. Fraley handles Chapter 7 bankruptcy, Chapter 13 reorganizations. He does debt negotiations & stops foreclosures.

    43 years, 50 cases

Languages spoken

English

Photos and videos

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Contact

Fraley & Fraley Sacramento Bankruptcy Attorneys

1401 El Camino Ave, Suite 370
Sacramento, CA, 95815-2747

Website
http://www.sacramentobankruptcyattorneys.com/ 

Resume

License
StateStatusAcquiredUpdated
CAActive197802/03/2021
We have not found any instances of professional misconduct for this lawyer.
Avvo Contributions
Legal answers341
Legal guides2
Awards
Award nameGrantorDate granted
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2016
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2015
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2014
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2013
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2012
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2011
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2010
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2009
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2008
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2007
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2006
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2005
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2004
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2003
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2002
California State Bar Certified Bankruptcy Law SpecialistCalifornia State Bar Board of Legal Specialization2001
Work Experience
TitleCompany nameDuration
Founder and OwnerFraley & Fraley, Sacramento Bankruptcy Attorneys1978 - Present
Judicial Law ClerkCalifornia Court of Appeals, Justice Kingsley1976 - 1976
Associations
Association namePosition nameDuration
National Association of Consumer AdvocatesMember2014 - Present
American Bankruptcy InstituteMember2013 - Present
Sacramento Valley Bankruptcy ForumMember2000 - Present
California State Bar Board of Legal SpecializationCertified Specialist in Bankruptcy Law2000 - Present
National Association of Consumer Bankruptcy AttorneysMember1990 - Present
State Bar of CaliforniaMember1978 - Present
Publications
Publication nameTitleDate
National Association of Consumer Bankruptcy Attorneys Fall JournalCountdown of the Top 12 Malpractice Mistakes Made by Bankruptcy Attorneys2016
SacramentoBankruptcyAttorneys.com e-book48 Dos & Don'ts When Considering Bankruptcy2011
Education
School nameDegreeGraduated
University of California at Los Angeles School of LawJD - Juris Doctor1977
University of Southern CaliforniaBA - Bachelor of Arts1974
Speaking Engagements
Conference nameTitleDate
25th National Convention of the National Association of Consumer Bankruptcy AttorneysTop 10 Malpractice Mistakes Made by Consumer Bankruptcy Attorneys2017
NBI Telephone ConferenceBankruptcy & Divorce2017
Chapter 7 and Chapter 13 Bankruptcy: Line-By-Line WorkshopConsumer Bankruptcy Fundamentals & Chapter 13 Workshop Line-By-Line2015
Bankruptcy LitigationBankruptcy Litigation2012
Chapter 7 & 13 Line by Line WorkshopConsumer Bankruptcy Fundamentals / Chapter 13 Workshop Required Forms2011
Lien Stripping Junior MortgagesHow 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 Ethics2010
Nuts and Bolts of Bankruptcy LawPre-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 Issues2010
Bankruptcy Law and LitigationSession I: Getting Started With a Bankruptcy Case; Session II: Introduction to the Bankruptcy Code & Rules; Session V: Chapter 7 & Chapter 13 Issues2009
Consumer Bankruptcy: Chapters 7 & 13Session I; Selecting The Right Chapter For Your Client; Session IV: Chapter 13 Step by Step Procedures; Session V: Tips From The Pros2008
Legal cases
Case nameOutcome
Fitzco ConcreteCorporations do not receive a discharge. They are liquidated and any assets ar divided among the creditors
Bertolini Sand & Gravel Inc.No discharge is issued to corporations. The assets are liquidated and the funds paid pro-rata to the Creditors

Reviews

(43)
5 Star
93%
4 Star
0%
3 Star
0%
2 Star
0%
1 Star
7%
Review Gary Fraley

Best Lawyer Ever

Posted by

From the moment I called their offices, Fraley & Fraley's staff was warm, welcoming & professional. They helped me through an incredibly confusing and difficult time. I felt as if I was not going through the process alone; I had an entire staff working for me, advising me & listening to my concerns, etc. I have recommended Gary to friends and business contacts & will continue to do so. This is the kind of help you really need and they really know what they are doing. Thank you, Fraley & Fraley!

Kind & Compassionate

Posted by

I felt like my grandfather was walking me through a difficult time in my life. Gary is very down to earth, straight forward, and he has a sense of humor. He is out for his clients 110% and it shows.

Tim Trocke

Posted by

Gary Fraley helped me in my time of need. I would very highly recommend him for all of y8 bankruptcy needs
This review is from a person who hired this attorney.
Hired attorney

My hearing was seamless

Posted by

When I finally made the difficult decision to file bankruptcy as life's circumstances took a very bad turn, I decided to go with Fraley & Fraley as he seemed the most approachable. He's very down to earth and tells you all your options without being condescending. While the process can be very tedious and seemingly nit picky, as there is a lot of information they need from you, it's really not all that hard. You just have to be honest and stick with it. They want to make sure they have it right for you at your hearing with the trustee the *first* time. As I waited my turn in my hearing I heard a lot of follow up questions asked to others in the same group hearing as mine was. When it was my turn, my answers were all yes or no and I was done. Every potential question the trustee would ask was dealt with before my hearing. I appreciated that greatly. While everyone's circumstance is different, you can rely on Fraley & Fraley to get the job done right.
This review is from a person who hired this attorney.
Hired attorney

Thank you!

Posted by

In the last few years, I’ve experienced many setbacks which put me way behind and underwater financially. I knew that I needed to file bankruptcy but had put it off because of negative things I’d heard about it all my life, but finally decided to do something. When I called Mr. Fraley, I found out what really happens and how bankruptcy would actually be not only worthwhile but actually practical and responsible. He immediately dispelled all my fears and doubts, and educated me on how it all works. He made it all clear and uncomplicated, and it wasn’t the ordeal I had expected. Now I’m much happier and enthusiastic about the future rather than overwhelmed and discouraged. I can now finally relax and work towards growth again.
This review is from a person who hired this attorney.
Hired attorney
Gary Fraley's response: Jeffrey, Thank you for your AVVO review. I am glad that I have had the opportunity to help you. I appreciate that. If you find you have any questions about your case, please give us a call BTW, if you get contacted by any creditor concerning a debt from before the bankruptcy case. Please let us know and keep a record of who, what, when, where & how so we can deal with that. I do not take kindly to creditors messing with my clients, and the bankruptcy judges don't either. I wish you a safe and peaceful future in your financial rebuilding efforts --Gary.

Great bankruptcy lawyer

Posted by

Mr. Farley and his staff were very professional and supportive throughout the entire bankruptcy process. I was free to call whenever I had any questions about completing the forms or any other concerns. I was always treated warmly and with the utmost competence. I highly recommend Fraley&Fraley for anyone seeking help with bankruptcy,
This review is from a person who hired this attorney.
Hired attorney

GREAT LAWYER

Posted by

I met with Mr. Fraley September 2020. I have never met such a great attorney. I only wish we had used him sooner. He knew how to explain our case in terms we could understand. More specifically he gave us the advise we needed. Thank you Mr. Fraley.
This review is from a potential client who consulted with this attorney.
Consulted attorney

Chapt 7 Wonderful

Posted by

Easy and not too time consuming with a flexible payment plan to get my bankruptcy filed. Gary remained on top of my case and helped me with any questions I had in a very timely and efficient manner. Best bankruptcy attorney you could hire in my opinion.
This review is from a person who hired this attorney.
Hired attorney

Best attorney out there

Posted by

Highly recommended. Gary Fraley and his team are truly caring and professional and made me feel comfortable filing for bankruptcy. Made it so easy throughout the whole process. Always available for any questions I had. Thank you for everything.
This review is from a person who hired this attorney.
Hired attorney

Best Attorney You'll Find

Posted by

After incurring a large amount of medical debt, my husband and I were forced to file Chapter 13 bankruptcy. After researching multiple attorneys, we decided to go with Fraley & Fraley. It was the best decision we could have made. The initial cost was more than reasonable, especially since our situation was extensive and we had a lot of special circumstances to deal with. Gary Fraley guided us through every step of the process. We have been in bankruptcy since 2014. During this time, I have had to contact them on multiple occasions. My husband and I received several calls from creditors in the beginning and were able to simply refer them to our attorney. His team handled everything. In addition to these "expected" calls, I also was contacted by my ex-husband regarding a joint student loan (we consolidated them before our divorce and student loans are not discharged in bankruptcy). My ex and I do not get along AT ALL. I contacted Mr. Fraley's office and explained the situation, specifying that it pertained to payments with the student loan (which was supposed to be on hold during our bankruptcy). His staff acted as the mediator between my ex and I so that we did not even have to talk to each other. Mr. Fraley's team was very professional and cordial to everyone involved. There have also been other instances that have arisen that our attorneys have handled without any issues (i.e. Bank of America disputed our claim in bankruptcy, so Mr. Fraley had to file petitions and go to court on our behalf….we won). Just recently, we went back to his office to ask further questions about our particular situation and what to expect once our last payment was made in 2019. Mr. Fraley met with us and reviewed our file completely. He answered every question that we had. He is very thorough, accurate, and detailed. During every encounter, Mr. Fraley’s team has been very polite. Meeting with Gary Fraley individually, however, will make you understand why his team loves working with him. He is very funny, polite, patient, and committed. Although our case has required more contact than originally expected, he has not made us pay more fees. If you choose Gary Fraley to be your bankruptcy attorney, you will never regret it. I highly recommend him and his team.
This review is from a person who hired this attorney.
Hired attorney
See all reviews

Attorney endorsements

(24)
Are you an attorney? Endorse this lawyer

Patricia Rodriguez, Foreclosure Attorney on May 2, 2020
Relationship: Fellow lawyer in community

I endorse this lawyer.

Leonard Boyer, Bankruptcy and debt Attorney on Oct 25, 2019
Relationship: Fellow lawyer in community

I endorse this lawyer. Mr. Fraley is a very knowledgeable and effective advocate for his clients.

Stuart Steingraber, Bankruptcy and debt Attorney on Dec 29, 2015
Relationship: Fellow lawyer in community

I endorse this lawyer. Mr. Fraley is a frequent contributor to Avvo. His responses are well thought out, thorough, and on target. His clients are well served with his experience and skill.

Catherine Eranthe, Bankruptcy and debt Attorney on Nov 25, 2015
Relationship: Fellow lawyer in community

I know Mr. Fraley through our shared involvement in various bankruptcy list-serves and participation in NACBA. Gary is knowledgeable and experienced and generously shares information with other lawyers. I will continue to recommended him to debtors seeking an experienced, competent and caring attorney in the Sacramento area.

Randal Moore

I endorse this lawyer. A highly skilled and respected lawyer in the community.

Richard Rosenstein

I endorse this lawyer. Mr. Fraley is a highly experienced and well respected member of the legal community. He is a zealous advocate for the rights and interests of his clients.

Richard Granvold, Chapter 7 bankruptcy Attorney on Apr 20, 2014
Relationship: Fellow lawyer in community

I endorse this lawyer. Why? As a debtor you want an attorney who understands the law and carefully and fully explains the answers to your questions. You want an attorney who is also experienced in all chapters and will explain to you the difference so you know which action to take, whether filing a bankruptcy or not, if so when, and which chapter and the differences. Sometimes, simply knowing the Bankruptcy Code is not enough, it is the many cases an attorney has worked through and the problems within that create a well seasoned and informed attorney; with Attorney Fraley you get just that! In answers to the various questions on AVVO, Mr. Fraley has demonstrated his knowledge and as a result, I strongly recommend that you seek out his advice if you are seeking bankruptcy assistance

Christian Lassen

Top-notch attorney. Highly respected in the legal community.

Brian Turner, Bankruptcy and debt Attorney on Apr 1, 2014
Relationship: Worked for lawyer

I endorse this lawyer.

Gary Bollinger, Bankruptcy and debt Attorney on Dec 22, 2013
Relationship: Other

Knowledgeable and thorough, Gary has a nuanced approach that can only come with a great depth of experience and a genuine concern for the beleaguered debtor. I endorse this lawyer.

Andrew Grossman, Bankruptcy and debt Attorney on May 30, 2013
Relationship: Worked for lawyer

I worked with Gary Fraley for over two years. During that time, I observed how deeply he cares for his clients, and how diligently he works to find them the best resolution to their debt problems. Gary is down-to-Earth, and gives freely of his time and expertise. He goes above and beyond for his clients, and it shows. I highly recommend him and his firm.

Matthew Berkus, Bankruptcy and debt Attorney on Feb 14, 2013
Relationship: Fellow lawyer in community

Gary is a constant presence in the bankruptcy community nationally. He brings a client centered, practical approach to achieving results for his clients. I always value his perspective and insight.

Virginia Southgate, Bankruptcy and debt Attorney on Dec 4, 2012
Relationship: Fellow lawyer in community

A certified bankruptcy law specialist in Sacramento, California, Gary Fraley embodies dedication both to understanding the nuances of bankruptcy law and to advocating zealously for the rights of his clients. An active participant in the local and online bankruptcy community, he is generously offers his experience and understanding to lawyers and clients alike.

Paul Staley, Chapter 7 bankruptcy Attorney on Aug 4, 2012
Relationship: Fellow lawyer in community

I endorse this lawyer. Gary and I are fellow members of the National Association of Consumer Bankruptcy Attorneys. We also both participate in two of the same listservs. As a bankruptcy lawyer reading Gary's posts online, I can see that he's the real deal, is staying current with breaking changes in the law, and can be trusted to get the job done right.

Bruce Truesdale, Bankruptcy and debt Attorney on Aug 3, 2012
Relationship: Fellow lawyer in community

I endorse this lawyer. I participate in various list serves dealing with Bankruptcy and Bankruptcy related questions. I have continually observed Gary's contributions to the list serves and his answers to posted bankruptcy questions to be relevant, accurate and on point.

William Balena, Bankruptcy and debt Attorney on Aug 1, 2012
Relationship: Fellow lawyer in community

Gary is a colleague I know through NACBA. He successfully integrates the latest technology with the needs of his clients. Very good talents if you need a bankruptcy attorney.

Monica Shepard, Bankruptcy and debt Attorney on Aug 1, 2012
Relationship: Fellow lawyer in community

I became acquainted with Mr. Fraley through our mutual participation on legal listservs. I find him to be an incredibly authentic and knowledgeable attorney. Although he has been practicing for many years he is still willing to offer his wisdom and assistance to newer attorneys like myself. He is very active in bankruptcy groups and organizations which is further evidence of his dedication to this area of law. His genuine care for this profession and his clients is apparent by his years of involvement in the bankruptcy law community. For these reasons and with no hesitation, I fully endorse Mr. Gary R. Fraley.

Ryan Caldwell, Bankruptcy and debt Attorney on Jul 31, 2012
Relationship: Fellow lawyer in community

I'm involved with many listservs and national associations in which Gary is involved. One of the first things I noticed with Gary is that he is very knowledgeable on bankruptcy law. This is clearly exhibited by his specialized certification in bankruptcy law provided by the State Bar of California. Currently, only 6 other bankruptcy attorneys in Sacramento County are certified. This clearly shows Gary's knowledge and how dedicated he is to the practice of bankruptcy law. You can find plenty of free information from Gary's website. You will be able to have initial information concerning bankruptcy before you even meet with Gary. I suggest downloading his e-book, which you can find on his website, for free. I highly recommend Gary for your bankruptcy needs.

Bret Nason, Bankruptcy and debt Attorney on Jul 29, 2012
Relationship: Fellow lawyer in community

Although I have not worked with Mr. Fraley on any cases, I know him through our shared involvement in various bankruptcy listservs. Gary is very knowledgeable and always willing to help out a fellow attorney. I have no reservation in recommending him to debtors seeking an experienced and competent attorney.

Thomas Viani, Bankruptcy and debt Attorney on Mar 26, 2012
Relationship: Fellow lawyer in community

Gary is an expert in the field of Bankruptcy Law as well as an honest, hard-working member of the legal profession. Any client who uses his services will be rewarded with a lawyer who cares about them and their legal issues. It is a privilege to know lawyers like him.

Cost

RATES
  • Hourly Rates$300-$450/hour
  • Free Consultation Some lawyers offer a free consultation to help determine whether their services are right for your legal needs
    90 minutes
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    Sometimes
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