Additional Testimonials

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1 Additional Testimonials Don't bother going anywhere else, this is the only law firm you need to know about if filing for bankruptcy. Period. Definitely the best choice out there for representation. They were better at explaining the process than any other firm I had spoken with prior. They made it very clear what needed to happen and what my responsibilities were. It became very apparent how good they actually were when our actual court date came. In the two court cases before us, both the lawyers and the clients seemed to bumble and stumble through the proceedings, unprepared. Both had to reschedule for later dates, which seemed to irritate the judge. When my turn came, everything was fully prepared and we were in and out in minutes, which seemed to improve the judge's mood. Fraley and Fraley knocked it out of the park! James O. Orangevale, CA an excellent example of how the legal community should be represented Being in an extremely difficult position of having lost everything and having to file bankruptcy, Gary was the perfect choice. Not only did he treat me with full respect, give me a thorough understanding of the laws around bankruptcy and exactly what needed to be done and what would take place, he spent over an hour and a half during the no charge consultation doing so. His direct, no nonsense, detailed and informative approach, character and integrity actually made me want to reconsider law school. He is very knowledgeable and an advocate for consumer rights, an excellent example of how the legal community should be represented and what being an attorney should stand for. I would highly recommend him to anyone in need of a bankruptcy attorney. In addition, I particularly found LIsa his paralegal to be very helpful, also their newest addition Maria very friendly and a breath of fresh air. Brad L. Roseville, CA Mr. Fraley is an outstanding attorney in the field of bankruptcy. I was very comfortable calling him Gary when we met and later when appearing together in proceedings. My Chapter 7 is going smoothly just as Gary explained the

2 process to me. His staff is great! Marie always answers the phone and returns calls right away if the line is busy. Ms. White patiently sat with me while I provided her details of my circumstances that she put into the computer. Isabelle and Bryan; thanks to both of you, too. Having Gary as my lawyer was a privilege. I guess that having him as a friend would be a blessing. Thank you! Jim K. Folsom, CA My husband and I want to thank Fraley & Fraley for taking care of us during our rough time. In the past two plus years, Gary Fraley and his staff provided outstanding results that we felt were not possible. Gary and his team are extremely experienced and know what is required. They provided superior customer service and I was able to call anytime I needed to talk; giving me that personal attention; letting me know that I am important. In court, I was nervous for I did not know what to expect. Gary was there to ease the nervousness and assured me everything will be fine. To my surprise, it was. For my husband and I, Fraley & Fraley was and still is very professional and honest in handling our bankruptcy. Fraley & Fraley would be highly recommended. Thank you Gary and Nedra! Katharine G. Modesto, CA They provide us with clear and concise guidance One of the most difficult things a family has to go through is a bankruptcy. It just is not usually something that you ever think that you would need to do. However, that is the circumstance that my husband and I found ourselves. It was on the recommendation of another attorney that we met and worked with the team at Fraley & Fraley. I have to say it was a God send. Mr. Fraley and his staff were extremely professional. They provide us with clear and concise guidance. Step by step they lead us through a process that initially we thought would be extremely overwhelming. Mr. Fraley is a person of his word and exhibited the integrity often missing in business transactions of any kind. My husband and I will be forever be grateful to the law firm of Fraley & Fraley for their compassion, support and professionalism through our bankruptcy process. D J. Folsom, CA

3 Mr. Fraley was very helpful and compassionate My wife and I were so stressed by the tons of calls from creditors trying to collect after the market crashed in Mr. Fraley was very helpful and compassionate. Him and his team were very supportive during the bankruptcy process. They discussed and took care of every step to complete the process. It has been more than 3 years already, and I am still getting support and questions answered from Mr. Fraley. Before meeting with Mr. Fraley, another Attorney mislead me, and put me in worse situation. In addition, he stopped answering my calls and questions after my 10th question. Yes, he said to me.."your time is up...no more questions." Of course, I left that unethical attorney even though he kept my deposit. I strongly recommend Fraley & Fraley to anyone. Thank you Mr. Fraley Carlos G. Elk Grove, CA We would strongly recommend Fraley and Fraley to anyone that needs help. Gary and his staff, especially Nickie, helped us during our stressful time. They made us feel comfortable in our situation and were very supportive, even at our trustee hearing when Gary walked through those doors, we felt the relief at his presence. Gary is a straight shooter, he is honest and compassionate, there is a reason why he has been in his profession for many years and "darn" good at it. We had gone through a debt consolidation group before filing bankruptcy and they really got us, when we told Gary about it he went out of his way to help us recover money that was scammed from us. To be honest with his help and support we were able to receive about 80% of that money back, that's better than getting nothing, it was Gary's encouragement for my wife and I to go after them. We can't, say enough about Gary and his staff, I can't see anyone not going to Fraley and Fraley for their financial help. If you want a professional attorney that knows "everything" about bankruptcy, and we mean "everything", Gary and his staff are your people. Thank you Fraley and Fraley! Larry P. Salida, CA Tears of Joy

4 I liked the flyer I received in the mail - it was very informative (compared to others I received). That s what got me to call your office... (the attorney) was very caring and explained the whole process. I felt so relieved and at ease after my consultation (tears of joy!). Everyone made me feel so at ease. Going through a foreclosure and bankruptcy was the most traumatic event in my life. I appreciate your knowledge, comfort and ease shown to me during the whole process. Thank you for showing me there is light at the end of the tunnel! Yes I have recommended you to family and friends. Lorna T. of Sacramento Overall service is wonderful. The first time I (we) met him Atty Fraley, I, We felt comfortable the moment he explained how the bankruptcy works and documentation, support, the phone service, and the staff. Overall service is wonderful. As we said bankruptcy is a serious thing that happened into our life. We felt confident after we talked to our attorney Fraley and all their staff. Great! The moment we entered in the office I/We didn t felt like treated differently because of bankruptcy but they treated us like very important person and that comes out in the office stress free. Albert W & Estela W of Roseville I had heard Gary was the best and he was. They explained in advance everything I would need to do on my own. I had heard Gary was the best and he was. I would use Fraley & Fraley again, but hopefully I will never need to. I have already recommended the agency to several people already. Harriette C of Sacramento Mr. Fraley..gave me great info about my bankruptcy relating to my divorce that my divorce attorney didn't know Easy to complete all the paper work. I thought my experience was great. Mr. Fraley during the first meeting started looking into my case and gave me great info about my bankruptcy relating to my divorce that my divorce lawyer didn t know. Thank you. Steven T of Wilton

5 I felt safe trusting this firm Always able to speak to someone. Whenever I call. Never an answering service. All documents were clearly explained to me. I felt safe trusting this firm. I rate this firm #5 (5 stars of 5). This firm help me thru a very challenging time in my life. And it was with honor and dignity. Brenda B. of Sacramento I liked everyone I came in contact with I liked everyone I came in contact with. They treated me with courtesy and respect. You sent me all the information I needed to complete the initial consultation. I would give you 5 stars. I felt confident going in to this and you did not let me down. Trisha C. of Carmichael honest and kind I like Gary Fraley. He is very honest and kind.. Alicia D of Yuba City I was made to feel that everything would be alright including not losing my vehicle All of the people I dealt with were very personable and made the whole process more tolerable. They also were very knowledgeable and knew their job. I was made to feel that everything would be alright including not losing my vehicle which was a main concern of mine as I use it for work. I am very pleased! Everything I was told would happen as far as the end results were true. My bankruptcy is complete and everything was accomplished as talked about and the complete staff made things happen as smooth as possible with a very good comfort level. Tanner S. of Citrus Heights Client of Gary Fraley of Fraley and Fraley My bankruptcy was by all accounts a most difficult case to handle and or litigate. However, Fraley and Fraley surpassed and exceeded my expectations. Your technical expertise and honesty as a company surpasses 99% in your field.

6 The staff was always courteous, honest, and professional individuals with expert knowedge of their duties within the scope of the organization. They clearly explained my choices available to me. I feel sorry for persons who try to declare bankruptcy by paralegals filling out your forms or a bottom dollar attorney advertising a lower price. It has been my experience what you get with a lower price is bad service and mistakes which can cost you. I spent thousands of dollars on poor service for attorneys in litgation relating to the bankruptcy before I cam to see Gary Fraley and his staff. Gary Fraley, in my opinion, is one of the most gifted bankruptcy6 attorneys I have ever met. It is apparent he chose his profession to help epople, not to beat them. I would recommend Gary Fraley and his company to anyone in financial trouble. grey k. Victorville, CA Felt I was in a safe sanctuary among friends from start to finish Felt I was in a safe sanctuary among friends from start to finish. (From my initial phone call to set up an initial appointment to the whole process to my discharge). Erica T. of Elk Grove I did not feel stressful at all I liked the promptness, attentiveness, knowledgeable and very helpful. Service was excellent. I did not feel stressful at all. Bankruptcy went very smoothly with an excellent outcome. The time in front of the judge went great. Domenic S. of Sacramento...made us feel very comfortable from the beginning (the staff) made us feel very comfortable from the beginning. (the attorney) was extremely supportive on all of our many calls asking questions relating to the process. Our initial appointment was as stress-free as you could get given the situation. We feel that we made a good decision retaining your firm. Overall experience and results A+ Richard & Diane H. of Roseville

7 doing a bankruptcy with Fraley & Fraley was stress-free I liked the overall staff as a whole. The overall process of doing a bankruptcy with Fraley & Fraley was stress-free. If I had any questions during this whole process the staff at Fraley & Fraley was willing to help me. Moria S. of Sacramento the kindness and knowledge of Fraley & Fraley... made it a much more comfortable process Everyone I came in contact with was very helpful. ing documents was a plus. Overall service was good. The expansion and a bigger waiting room was a plus. Having to go through a bankruptcy was very difficult. I had over a 700 credit score at the time but with the kindness and knowledge of Fraley & Fraley front desk people it made it a much more comfortable process. Thank you Nancy, Gary Fraley & other members of the firm. Patricia W. of Elk Grove We felt cared for Organized cost itemization: We knew what to expect regarding cost. All staff was excellent. The experience was as good as possible under the circumstances. We felt cared for; our confidence was high; I will recommend your services to others. Gary V. of Carmichael Customer support & compassion was excellent Total Customer support & compassion was excellent. We felt everything was handled very professionally. Considering the circumstances the experience was as excellent as could be. I would highly recommend the firm to anyone in our position. Robert G. of Lodi made an unpleasant situation tolerable Very good service, prompt on returning phone calls. They made an unpleasant situation tolerable. Very knowledgeable.

8 Steve U. of Sacramento Gary Fraley and his staff really made this process easy and stress free for me. All the supporting staff I encountered were all professional and polite. I was impressed with my initial consultation with Gary. Even though the consultation was free, he didn t mind spending over an hour with me discussing my options. Gary Fraley and his staff really made this process easy and stress free for me. May V. of Sacramento very personable, friendly, caring Staff was very personable, friendly, caring, was great helping with computer info for all the online stuff! Ester N. of Sacramento Caring spirit was awesome. We were thankful for phone service overall phone service was awesome. Caring spirit was awesome. Bud and Kathy B. of S. Lake Tahoe Top Notch Education, competence Top Notch. Education is goal one for me. Then I can make informed decision. You helped with both. Eric S. of Roseville The (attorney) was great and explained everything perfectly The (attorney) who met me at the courthouse was great and explained everything perfectly to me (i.e. what the court process was going to look like). Laura L. of Roseville Very helpful and friendly. Mr. Fraley was very comforting and knowledgeable. Melissa Z. of El Dorado Hills

9 very pleased I was very pleased with the whole process. L. J. of Sacramento Competent & Smooth I appreciated the service and help after the discharge with creditors. Competent & Smooth Skip W. of Fair Oaks as painless as possible Easy Access. You made the process as painless as possible. Thanks! James M. of North Bend answered my questions right away Always answered my questions right away and didn t make me feel dumb. Thank You! Rosalyne U. of Sacramento I will recommend Mr. Fraley s services Very helpful to me I will recommend Mr. Fraley s services. Mary S. of Roseville