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Gary Ray Fraley
also known as Fraley & Fraley Sacramento Bankruptcy Attorneys
About Gary
Biography
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 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?
Practice Areas
5
Practice Areas
Bankruptcy and Debt
30%
48 years | 10,000 cases
Chapter 13 Bankruptcy
30%
48 years | 10,000 cases
Chapter 7 Bankruptcy
30%
48 years | 10,000 cases
Consumer Protection
5%
48 years | 50 cases
Fees and Rates
Cost
Payment Methods
- Cash
- Check
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Chat withLicenses
Licensed in California for 47 years
State: California
Acquired: 1978
No misconduct found
Location
Fraley & Fraley Sacramento Bankruptcy Attorneys
1401 El Camino Ave, Suite 370, Sacramento, CA, 95815-2747
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Gary Ray Fraley's Reviews
Avvo Review Score
52 Client Reviews
Filter Avvo Reviews (52)
Refine reviews to match your needs. Use the filters to quickly surface reviews that align with your case or priorities.
Practice Areas
What Clients Mention
Recommendation (26)
Case Results (23)
Practice Area Knowledge (22)
Professionalism (21)
Staff & Support (19)
Communication Style (17)
Advocacy (14)
Character & Conduct (13)
Cost of Services (12)
Responsiveness (11)
Trustworthiness (11)
Compassion (10)
General Knowledge (8)
Payment Plans (3)
Free Consultations (2)
Punctuality (2)
Showing 6 - 10 of 11 reviews | Responsiveness
Posted by Bud and Kathleen | December 22, 2015 | Hired Attorney | Bankruptcy & Debt
Professional and thorough!
Without hesitation we would definitely recommend Gary Fraley to family, friends, or anyone needing a well qualified bankruptcy attorney. He thoroughly answered all our questions. He made a challenging situation tolerable. His staff was courteous and always available to answer our questions. Our n...
Gary Fraley
Replied last December 22, 2015Hi Bud & Kathleen Thank you for your 5 star review. We work hard to provide the best services possible. It is nice to know that we succeeded for you. Merry Christmas --Gary
Posted by Javier | April 17, 2012 | Bankruptcy & Debt
Mr. & Mrs Javier D.
During this VERY difficult time in our lives we met with Gary. He took time to listen to all our questions and concerns then he gave us answers and options!! He was down to earth but very professional and knowledgeable. After his recommendation he and his team were very supportive throughout the wh...
Posted by Anita | May 23, 2011 | Chapter 13 Bankruptcy
Stay far away from this lawyer!!!
Mr Fraley was very unprofessional, every meeting that we had, he wasI on the phone or eating improperly at his desk. I paid him $3823.00 to file a Chapter 13. I gave him and his staff every document they ever requested and he failed to even review the information. Our first meeting with the judge,...
Gary Fraley
Replied last June 15, 2011The statements made by this former client are completely incorrect, and her experience shows why it is so important that you be honest with your attorney. She was not honest with us when we represented her, and she is not being honest now. When she came to us for help nearly two years ago, she told us that she was current on her first mortgage, and needed help with her other debts. We discussed filing a Chapter 13 reorganization, because it would allow her to strip off her second mortgage and discharge her unsecured debts. After we prepared the case, and she signed under penalty of perjury that everything was correct, we discovered that she had been lying about the first mortgage; in fact, she was over $13,975.40 behind on the mortgage payments. As a result, the only way she could have her plan approved by the Court was to include the mortgage payment, the arrears, and a hefty fee (for the trustee to pay the ongoing mortgage) into her plan. This resulted in a payment of approximately $2,200 per month. I agree that this was not affordable for her, and I explained to her that the only way she could make it work was to get a second source of income. Even a job at Taco Bell or McDonalds would have worked, as she alludes to above. Once we discovered that she was actually behind on her mortgage by a significant amount, we tried contacting her lender, and giving them permission to talk to her directly about loan modification. Around this time, the client stopped responding to our requests for information. We kept running up against deadlines because of her non-responsiveness. Our file on her case is literally filled with unanswered emails from our office, stating, for example, “It is vital that you contact our office immediately so that we can complete what we need to do to save your case.” This client stopped cooperating, probably because she realized that because of the false information she gave us, she was now in a plan that could not succeed. I have a very high success rate in Chapter 13 cases because I do not put clients in unworkable plans. If I had known that this client was lying about her mortgage being current, I never would have recommended a Chapter 13 plan. I give a 100% effort for my clients, and I do not appreciate this client blaming us for a bad situation that resulted from her lying to us and the Court and hoping no one would notice. One final note: if you need an attorney in a three-piece suit to satisfy your ego, I’m not your man. I offer my clients snacks, coffee, and soft drinks during their appointments, and we often spend several hours discussing their situation, even before they hire us. I have occasionally been known to share a bowl of popcorn with my clients during a consultation. I believe that my clients and I are a team, and I am not going to stick my nose in the air to suit somebody’s idea of “professional.” I understand that this leaves me open to snarky comments about making small talk and eating in the office, but my goal is to make my clients comfortable and treat them with respect, rather than sit on a high horse and talk down to them. If not having my nose in the air is unprofessional to some people, I am happily guilty of that charge.
Posted by Cathy | January 28, 2011 | Chapter 7 Bankruptcy
One year later BK still isn't filed
My experience with Mr. Fraley wasn't as outstanding as the others. I spent $5,300.00 for his services. I completed everything necessary to file in April of 2009. I'd go in for appointments and he'd sit at his desk eating popcorn and talking about everything but the BK (mainly politics). We were tr...
Gary Fraley
Replied last March 15, 2011"Client" Cathy posted a long but very false and misleading statement to which I have the right to answer. She does not tell the truth. Her & husband hired us to do a Chapter 13 bankruptcy reorganization AFTER the plan payments had been calculated at their FREE CONSULTATION. They said they could do the plan. They did not qualify under bankruptcy law to file a Chapter 7 at that time. They were not pressured in any way to hire us when they came in. After we were hired they set appointments and he would not appear or they would not show up or they would not bring in information requested. We would get calls with legal questions that had nothing to do with bankruptcy law. After being hired to do the Chapter 13 bankruptcy and were trying to get them to provide information to us, we were then told they decided to wait because they wanted to do a home loan modification first. She makes it sound like we were supposed to do something with the loan modification. We did not look at her papers because we were not hired to do that. I had no obligation to her to review her loan modification and she was told that. It is not the field I practice in. That was up to them to decide if they wanted to do it. We were also told that they wanted to wait because they were doing some deal with their bail bond business and another business promoting fights. We cannot file when the client refuses to cooperate with providing information or tells us that they don't want to go forward. They never provided the information about their business that they agreed to do when they hired us. A year later she decided that maybe she wanted to do a bankruptcy. Then she got mad because what information that we had received from her was now a year out of date and useless to prepare the documents required by law and she would need to give us the new information. We never got the business records that were promised. When her husband set still another appointmemt (which turned out again to be about something other than bankruptcy) and did not show up again, I told her that he would not be able to set more appointments with me without putting a deposit down that would be refunded if he showed up. I told her that I was not willing to have them waste my time that I could spend on clients that were willing to be responsible and cooperate like they agreed to when they contracted with me. That is when she came in without an appointment, screamed and cursed at my staff and talked trash to potential clients in our waiting room. She demanded her file immediately. We told her it would have to be photocopied first. Had she called a day ahead we could have had it available but I have to keep a copy to provide information to the State Bar if false accusations were made against me. As you can see here, that was a good thing I did. She was told to leave or we would have the police remove her. My staff politely told her that we would have her file ready at a reasonable time that was as fast as it could be prepared. I was not going to have my staff work over a weekend for her. Every time I or my staff had contact with her she was always complaining. I have NEVER been reproved either publicly or in private by the State Bar. In 32+ years the State Bar has never found a basis for a complaint. The State Bar would not grant me my Certification as a Bankruptcy Law Specialist nor would they approve State Bar Legal Education Credits for the bankruptcy seminars I teach if I did not have an absolutely spotless reputation with the Judges, Trustees and members of my profession. When they had the TRUE facts they closed their file and deemed it nothing but a fee dispute. I did start to arbitrate the fees but finally decided to give her part of the fees we had ALREADY EARNED twice over back simply to get rid of her. Anyone can complain. That does not make the complaint true. Look at the other reviews by my clients and you will see that this is a bad apple client not a bad apple attorney.
Posted by Chris | April 16, 2010 | Bankruptcy & Debt
Great Bankruptcy lawyers
Fraley and Fraley was the best firm to use for a bankruptcy--all of the staff were very kind and helpful with this very personal and somewhat humiliating process. Mr. Fraley prepared me fully for every potential question and gave great advice on how to handle creditors. He also gave some really goo...
Gary Ray Fraley's Lawyer Endorsements
"I endorse this lawyer."
"I endorse this lawyer. Mr. Fraley is a very knowledgeable and effective advocate for his clients."
"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."
"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."
"I endorse this lawyer. A highly skilled and respected lawyer in the community."
"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."
"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"
"Top-notch attorney. Highly respected in the legal community."
"I endorse this lawyer."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
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Experience
Honors
2016
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2015
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2014
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2013
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2012
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2011
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2010
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2009
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2008
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2007
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2006
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2005
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2004
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2003
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2002
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
2001
California State Bar Certified Bankruptcy Law Specialist, California State Bar Board of Legal Specialization
Work Experience
1978 - Present
Founder and Owner, Fraley & Fraley, Sacramento Bankruptcy Attorneys
1976 - 1976
Judicial Law Clerk, California Court of Appeals, Justice Kingsley
Associations
2014 - Present
National Association of Consumer AdvocatesMember
2013 - Present
American Bankruptcy InstituteMember
2000 - Present
Sacramento Valley Bankruptcy ForumMember
2000 - Present
California State Bar Board of Legal SpecializationCertified Specialist in Bankruptcy Law
1990 - Present
National Association of Consumer Bankruptcy AttorneysMember
1978 - Present
State Bar of CaliforniaMember
Sample of Legal Cases
Fitzco Concrete
Corporations 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
Education
1977
University of California at Los Angeles School of Law
JD - Juris Doctor
1974
University of Southern California
BA - Bachelor of Arts
Speaking Engagements
2017
NBI Telephone Conference
Bankruptcy & Divorce
2017
25th National Convention of the National Association of Consumer Bankruptcy Attorneys
Top 10 Malpractice Mistakes Made by Consumer Bankruptcy Attorneys
2015
Chapter 7 and Chapter 13 Bankruptcy: Line-By-Line Workshop
Consumer Bankruptcy Fundamentals & Chapter 13 Workshop Line-By-Line
2012
Bankruptcy Litigation
Bankruptcy Litigation
2011
Chapter 7 & 13 Line by Line Workshop
Consumer Bankruptcy Fundamentals / Chapter 13 Workshop Required Forms
2010
Nuts and Bolts of Bankruptcy Law
Pre-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 Issues
2010
Lien Stripping Junior Mortgages
How 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 Ethics
2009
Bankruptcy Law and Litigation
Session I: Getting Started With a Bankruptcy Case; Session II: Introduction to the Bankruptcy Code & Rules; Session V: Chapter 7 & Chapter 13 Issues
2008
Consumer Bankruptcy: Chapters 7 & 13
Session I; Selecting The Right Chapter For Your Client; Session IV: Chapter 13 Step by Step Procedures; Session V: Tips From The Pros
Publications
2016
National Association of Consumer Bankruptcy Attorneys Fall Journal
Countdown of the Top 12 Malpractice Mistakes Made by Bankruptcy Attorneys
2011
SacramentoBankruptcyAttorneys.com e-book
48 Dos & Don'ts When Considering Bankruptcy
Languages
English
Activity
Legal Answers
Legal Guides
Legal Answers
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