Author Archives for Michael Hays

Why You Shouldn’t Feel Guilty


This is a article taken from the book How to File Chapter Seven Bankruptcy, by Nolo Press, which explains why filing bankruptcy is a logical course to take in an adverse socio-economic time. Read this and put your mind at ease.
And for those of you wondering how the bankers and mortgage lenders sleep at night after [...]

Fair Debt Collection–You & Creditors’ Harassing Phone Calls!


The Fair Debt Collection Practices Act established specific guidelines for Creditors to follow in their pursuit of gathering a debt.  The rules and procedures are extensive (read the entire Fair Debt Collection Act here, if you like) but most of our clients’ questions are answered in this handy fact sheet that explains by what means creditors may [...]

Bankruptcy Questionnaire


Please complete the document bankruptcy-questionnaire to the best of your ability and bring it with you to your initial consultation.  Carefully read the first three pages of the questionnaire that explain what forms you will need to bring to your meeting as well as the policies and practices of filing for bankruptcy with our office.

Articles about Bankruptcy, Debt, Mortgages, and the Economy


This is an interesting collection of articles that address many of the issues and concerns of our clients.  Feel free to browse this collection and learn more about other people in situations similar to yourself and how large scale economic decisions affect your quality of life.
 
A great article from the New York Times.  An exhaustively [...]

Directions to the Redding Courthouse


From Chico
Take CA-99 North toward Redding / Red Bluff.  Continue for 38 miles.
Merge onto I-5 North; Proceed for 28 miles.
Take the Cypress Avenue Exit, EXIT 677, towards Redding.|
Turn Left onto East Cypress Avenue
Turn Left onto Bechelli Lane; Courthouse is at 2986 Bechelli, at the corner of Hartnell.  
Make sure to arrive at the Courthouse 10 to 15 [...]

Michael Hays

Michael Hays has been practicing law for over thirty years. A graduate of Golden Gate University Law School in San Francisco, class of 1977, Michael moved to Northern California in 1979 to hang his shingle. Michael's practice is primarily bankruptcy but he does venture into family law on occasion. Currently, Michael handles the bulk of personal bankruptcy cases originating in the Northern California region.