Chapter 7 & Chapter 13 Bankruptcy


Stop Foreclosures

End  Wage Garnishments,

End Law Suits and Bank Levies


Stop creditor harassment and get relief from your debts
Credit Cards   Medical Bills

Payday Loans   Repossessions 

     Some tax debts may be eligible for Discharge



Call today for a Free Consultation to see if Bankruptcy
 is the answer to your financial situation.


With over 30 Years Experience -Michael Hays is Northern California's most
trusted and experienced bankruptcy attorney.


Flat Rate Fees and Affordable Payment Plans Available