Law Offices of Michael O. Hays

Law Offices of Michael O. Hays

Law Offices of Michael O. Hays, Bankruptcy Specialist with over 30 years experience. Free Consultations and affordable payment plans for Chapter 7 and Chapter 13 Bankruptcy.

Firm Overview

Attorney Michael Hays is a bankruptcy specialist with over 30 years experience. His office offers flexible and affordable payment options for Chapters 7 & 13 bankruptcies. All consultations, by phone or in person, are entirely free of cost.

If you are financially struggling, find out about getting help with:
Foreclosures, Wage Garnishment, Payday Loans, Medical Debt, Credit Card Debt, High Interest Car Loans, Second Mortgage / Lien Stripping and IRS debts.

Call today and find out if bankruptcy is the solution to your financial difficulties--(530) 892-8916 or visit our website at

Main Office
Main Office
676 East 1st Avenue #5
Chico  CA  95926
  • (530) 892-8916
  • (530) 892-8015


Free Initial Consultation?
Services Offered For Fixed Fees?
Chapter 7
Chapter 13
Lien Removal
Hourly Rates
Flat Rate Billing

Office Information

Office Hours
Office Manager
Clancy Callahan
Emergency After Hours
Languages Spoken
English & Spanish
Northern California's Bankruptcy Specialist, attorney Michael O. Hays has over 30 years helping people through bankruptcy.
You can expect one on one contact with attorney and staff when you become a client at The Law Offices of Michael O. Hays. We offer flat rate fees and flexible payment plans so you'll never get a surprise bill or be charged hourly fees. Mr. Hays' 30 years of experience mean a smooth bankruptcy process for you, the client. Call today and have your questions answered about bankruptcy.

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

Bankruptcy is a powerful tool to help ordinary people overcome the sometimes overpowering financial system they might find themselves in. I like helping people get back on their feet and get the fresh start that I believe everyone deserves. Life is hard sometimes but bankruptcy can offer a solution to some of life's most stressful situations -- overwhelming debt.

What experience or education distinguishes your lawyers from others?

While many attorneys or paralegals may occasionally dabble in bankruptcy law, I am a bankruptcy specialist whose firm's sole focus is bankruptcy practice. By not spreading myself thin across numerous legal practices--family law, criminal, etc.--I can provide my clients with the representation they need and deserve in the Bankruptcy Court.

What distinguishes your law firm from others?

We're very laid back and casual. My dog Harpo is at the office with me on most days. Clients tell me they feel at ease and comfortable coming to see me. We also offer immediate results. After becoming a client, you'll be able to end harassing creditor phone calls and messages. My staff is very helpful and one of us is always available to answer your questions.

Michael Hays

Golden Gate University Law School, J.D.
UC Berkeley, B.A.
  • Bar Number: 87440
  • Golden Gate University, School of Law

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