Michael O. Hays

Michael O. Hays is a bankruptcy specialist practicing in Chico, California, with over thirty years of experience assisting clients throughout Northern California. He focuses exclusively on bankruptcy law, providing representation in Chapter 7 and Chapter 13 bankruptcy matters. Known for offering flat-rate fees and accessible communication, he works directly with clients to stop creditor harassment, foreclosures, wage garnishments, and bank levies while helping them secure a fresh financial start.