I offer a free consultation on Chapter 7 or Chapter 13 Bankruptcy. See if you qualify for relief from collection calls, wage garnishments, repossessions, lawsuits, or even foreclosures. I have represented clients in Sacramento, Placer, Nevada, El Dorado, Yuba, Sierra, and Yolo Counties. My local Sacramento phone number is 916-761-8166 and my local Grass Valley number is 530-265-2939.