Law Offices of Michael O. Hays is a Northern California-based legal practice specializing exclusively in bankruptcy law, offering compassionate and effective debt relief solutions. With over 30 years of dedicated experience, Attorney Michael Hays has established himself as a trusted bankruptcy specialist known for his flat-rate, all-inclusive fee structure and commitment to helping clients achieve a fresh financial start.
The firm focuses on providing affordable and straightforward legal support to individuals facing overwhelming debt, emphasizing personalized service and local accessibility. Michael Hays works directly with clients—not creditors—and offers flexible payment plans, potential fee waivers, and weekend availability to ensure timely, stress-free assistance throughout the bankruptcy process.
Services Offered
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Debt relief from credit cards, medical bills, and payday loans
- Stopping creditor harassment
- Halting foreclosures
- Ending wage garnishments
- Stopping lawsuits and bank levies
- Addressing repossessions
- Discharging eligible tax debts
- Free initial consultations
Serving clients across Northern California from its Chico office, the firm assists individuals in both English-speaking and accessible legal environments, with a streamlined, paperwork-light approach to bankruptcy filings.
