Elkington Law Office

Firm Overview

I focus on providing legal services for people who are marginalized through either overwhelming debt, or financial status. I explore all debt solutions with clients, including bankruptcy, offers and compromises, loan modifications and other creative approaches. I have been helping folks work out their debt issues for over 16 years.

Example cases

Everyday I help people keep their homes, their cars, stop garnishments, and settle their debts. All of my cases are significant and important.

Main Office
The Historic Tribune Tower 409 13th street, 10th Floor
Oakland  CA  94612
  • (510) 465-0404
  • (510) 465-0202


Free Initial Consultation?
Yes, 30 minutes.
Services Offered For Fixed Fees?
Chapter 7 ranges between $1,000 - $1,600. Chapter 13 fees are set under Court Guidelines. There is an initial retainer with the remainder paid through the Chapter 13 plan. Fees are quoted on a case by case basis, but initial consultations are free.
Hourly Rates
I have a sliding scale and give discounts to senior citizens, but seldom take hourly cases. Most of my fees are fixed fee cases.

Office Information

Office Hours
9:00 a.m. - 5:00 Monday through Friday. Weekend and evening appointments also available.
Office Manager
Senior Paralegal - Aimee Alamillo
Emergency After Hours

How did your firm decide on the primary area of practice(s)?

I choose bankruptcy because I found that it is an area that allows a certain amount of creativity in helping folks resolve their debt and credit issues. I also understand that bad things happen to good people and that the creditordebtor system in this country is akin to David and Goliath. I represent the "Davids" to help them fight Goliath to get another chance and a fresh start.

What is your firm's point of view regarding clients educating themselves on legal issues?

I fully support clients educating themselves on all legal issues including credit issues and bankruptcy. With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (reform of the bankruptcy laws) I don't believe that it is wise for clients to file bankruptcy without legal counsel. The laws have become much more complex and confusing and the consequences of making a mistake are often irreparable and can negatively affect the debtor for many years.

Is your firm willing to review documents prepared by clients?

I will review letters written to creditors, offers to compromise debts (not including the IRS or FTB), and other such documents. I will not review bankruptcy filings as the time to do so would be the same as preparing the documents and therefore will not save the client any money. I am willing to substitute into a case on behalf of a client.

Is your firm willing to coach clients who want to represent themselves?

In certain areas I would be willing to coach a client who wanted to represent themselves in small claims cases, or in motions before the bankruptcy court.

Sally J. Elkington

Prior to becoming an attorney and during the early years of my practice, I was a teacher on the university and community college levels.

I am a Pro Tem Judge in Small Claims court, I volunteer with Volunteer Legal Services of Alameda County. Working one-on-one with people and their problems, helping them to see opportunities for resolution of their issues helps me be a better lawyer.

I can see the "big picture". I help people understand that there is no shame in having debt. Bad things happen to good people, often far beyond their personal control. I help them see that there is a "light at the end of the tunnel" and relief in sight. I can explain a very complex system in a very understandable manner so that folks can take back control of their lives.

My style is to get as much information from the client as possible about their specific issues and to explain what their options are with respect to getting out of debt. Every person's situation is different. There are no "pat" answers. I want clients to feel better leaving my office than they did when they walked in.

Personal interests:

I enjoy traveling, playing golf, reading, playing with my dogs. I enjoy entertaining and being with my friends and family.

  • Bar Number: 142619
    California , 1989
  • New College School of Law of California
    J.D. , 1986
    San Francisco, CA
    Public Interest Law
  • San Francisco State University
    B.S. , 1983
    San Francisco, CA
    Speech and Communication Studies

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