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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 1 - 5 of 5 reviews | Lawsuits & Disputes
Posted by Cory | September 07, 2025 | Hired Attorney | Lawsuits & Disputes
It's been horrible.
It's unfortunate that I'm having to write all these negative reviews for me frayley. I hired him over 6 months ago and have been having the worst experience of my life with this company. I finally told them I would like a full refund due to his situation and Mr frayley agreed to issue a full refund...
Posted by Vikashni | June 09, 2021 | Hired Attorney | Lawsuits & Disputes
Excellent
I loved working with Mr. Fraley and Blanca in his office. All I can say is amazing things about them. They worked with us and helped us in every way they could. We are very pleased with their professionalism and work ethics. He was very understanding and easy to work with. He won our case and w...
Gary Fraley
Replied last June 09, 2021Thank you so much, Vikashni. It was a joy to finally get you to the other end of your journey through what was a complicated process for you. Knowing you, I do not doubt that you will be past this and back to a top credit score within a couple of years. Your future is bright, and I wish your road a happy one. --Gary
Posted by anonymous | February 28, 2020 | Hired Attorney | Lawsuits & Disputes
Didn’t want it to come to this
Fraley and Fraley mishandled my Case and are now simply avoiding us after we trusted him to do what he said he would do. He knows our case was mishandled and offered to refile our case at no cost due to several dismissals. His staff misinformed us as did Gary, this is indisputable... we were due in c...
Gary Fraley
Replied last February 28, 2020It is unfortunate that this alleged client wants to post under “Anonymous.” As such, I can hardly respond to their situation directly or otherwise. Additionally, without “Anonymous” giving me permission to discuss their specific case, I am required by law to respect their attorney/client privilege. They are welcome to give me their name or case number and authorize me in writing to respond to the allegations here. Somehow I doubt that "anonymous" will do so. What I can do is discuss the general issues and how they are handled in my office. First, I am unaware of any case with “several dismissals” in our office other than people who come in with multiple prior cases that they filed on their own. Second, “His staff misinformed us as did Gary, this is indisputable… we were due in court and we’re advised that our hearing was continued when it wasn’t.” I see absolutely no reason we would tell a client that a hearing was continued if it wasn't. That would make no sense. There are only 2 possibilities I can think of. One would be if a motion to dismiss the case was filed by the Chapter 13 Trustee. Usually this is because the debtor is not making the plan payments, not providing documents to the trustee or is not doing what the plan required. Trustee’s motions to dismiss normally require a written response to be filed 2 weeks before the hearing. If it is not, than the court will take the matter off calendar (not continue it) and issue a dismissal order on the date of the hearing whether or not the attorney or the debtor appears. In fact, the Judge would not even hear the matter. Often we will send out motion documents and request that the client immediately contact us. Despite explaining the urgency of responding to us, some clients feel that they do not have to do anything and they can just show up for a hearing. The only other possibility I can come up with is that there was a continued "creditor's meeting." Some clients only come in at the very last second due to an emergency like a foreclosure, repossession or levy. An emergency “skeleton” case is often filed. The client must provide the rest of the information to us to complete bankruptcy documents. If the client does not do so the rest of the documents cannot be filed. When the allowed time runs, the case will always be automatically dismissed no matter what is done. Yes, my staff will tell the client that there is no purpose going to a hearing or creditor’s meeting if the case is being dismissed, because there isn’t. If it is a motion to dismiss, the Judge will remove it from the Court hearing calendar the before the hearing. That is not telling the client that the order on that hearing is not going to be issued dated the same day as the hearing. They have already sealed their fate. Going to the hearing would not have saved their case. They think that since there is an order that day that the hearing actually happened which is incorrect. “Anonymous” likely does not understand the difference between those concepts. Third, there is a saying “no good deed goes unpunished.” I will often reduce my fees or offer to help the client with another case for free even if the dismissal the consequence of their non-cooperation. If it was for some reason our fault that the case was dismissed, I would certainly refile the case for free. I always do whatever is needed to make things right. It sounds like that was offered to “Anonymous” in this case and it was turned down. Finally, I am regularly in my office as I have been for the last 41+ years. I am certainly not hard to find. I invite “anonymous” to contact my office. We can set a phone appointment if “anonymous” does not feel comfortable to meet with me face to face. I can then pull the file and see what actually happened. Otherwise, I wish them the best.
Posted by Chuong | July 04, 2017 | Hired Attorney | Lawsuits & Disputes
Expert Advice, Effective, Friendly
I needed a response to a summons being served to me for an old, old debt, and found Gary Fraley's shining reviews here on Avvo.com. I was glad to find that his office was located near me in Sacramento, and called him right away. Sean helped me make an appointment for the very next day, and was helpfu...
Posted by Robert | December 19, 2016 | Lawsuits & Disputes
An honest lawyer who absolutely has your best interests at heart
I was a bit nervous when I found out I was being sued, but I'm extremely happy that Fraley and Fraley contacted me through the mail when they found out a suit had been filed. I had no idea what to do, so getting that letter gave me someplace to turn. I scheduled my appointment, and they got me in...
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."
Michael Cardoza
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Leonard Boyer
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Stuart Steingraber
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Andrew Grossman
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Bret Nason
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Robert Doig
Bankruptcy and debt lawyer
Shawn Wright
Bankruptcy and debt lawyer
Barry Rosenzweig
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Ryan Caldwell
Bankruptcy and debt lawyer
Monica Shepard
Bankruptcy and debt lawyer
Paul Staley
Chapter 7 bankruptcy lawyer
Bruce Truesdale
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William Balena
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Lori Mersereau
Tax lawyer
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
Q&A
2 cars 2 separate loans same bank?
28 Feb 2024
Q&A
Can I prevent going to court with synchrony bank after being served summons ?
26 Feb 2024
Q&A
Do I have to disclose room rental income in chapter 7?
09 Feb 2024