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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Bankruptcy is a tool available to businesses and to individuals who find they cannot pay their debts as they come due. In some cases the debts need to be canceled entirely, in other situations it is more appropriate to reorganize one's financial affairs. Michael Fallon, a State of California Board Certified Legal Specialist in Bankruptcy who has been practicing Bankruptcy Law since 1979, can help you decide the relief that is best suited for you.

Contact my firm today if you need legal assistance with any of the following:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Foreclosure Prevention
  • Loan Modification
  • Avoiding Garnishment
  • Avoiding Repossession
  • Stop Creditor Harassment
  • Stop Lawsuits
  • Erase Credit Card Debt
  • Rebuild your Credit
  • Court Protection

What Bankruptcy Can Do For You

The relief you will get from bankruptcy will depend on the relief that you need, but in general you may expect that immediately upon filing a petition in Bankruptcy

  • Creditor telephone calls and harassing letters will stop
  • If you have been sued, the lawsuit will stop
  • If your wages are being attached, the attachment will stop
  • If your home is in foreclosure, the foreclosure will stop.

If your objective is to have your debts canceled through the bankruptcy process, and if you are eligible for such relief, you may expect that at the end of your case you will forever be free of the debt that is troubling you. You may find that you have several objectives. You may want to save your home from foreclosure by proposing a plan to bring the defaulted mortgage current. At the same time you may want to have your credit card debt and unpaid medical bills canceled. In certain circumstances it may be possible to meet both objectives.

Call Michael C. Fallon today at 707-200-8922 or 866-784-2878 to arrange your free initial consultation.

Your Bankruptcy Options

Chapter 7 Bankruptcy is the relief available when you need your debts to be canceled.

Chapter 11 Bankruptcy is available to corporations, partnerships, limited liability companies and certain high-income earners that are looking to reorganize their financial affairs.

Chapter 12 Bankruptcy is for farmers that need to restructure their debt.

Chapter 13 Bankruptcy is available for individuals facing foreclosure who would like to save their home. It is also a tool for the small business owner who wants to keep the business going. It is available to individuals that might not be eligible for relief under chapter 7.

The most commonly filed bankruptcy is chapter 7 with chapter 13 a close second. When you meet with Michael Fallon he will discuss your options and help you decide what is best for you. Keep in mind, however, after reviewing your case Mr. Fallon may conclude that bankruptcy is not the best way for you to proceed. In that case he may refer you to Consumer Credit Counselors and there would be no charge for your initial meeting with Mr. Fallon.

Call Michael C. Fallon today at 707-200-8922 to arrange your free initial consultation.

Attorney Profile

Attorney Michael C. Fallon


  • Superior Court for the State of California
  • United States Bankruptcy Courts for the Northern Districts of California
  • United States Bankruptcy Courts for the Eastern Districts of California
  • United States Bankruptcy Courts for the Central Districts of California
  • United States Bankruptcy Courts for the Southern Districts of California

Admitted To The Bar:

  • 1979


  • Empire College School of Law, J.D., 1979
  • Boston University, B.S., 1972

Professional Memberships:

  • American Bankruptcy Institute
  • National Association of Consumer Bankruptcy Attorneys
  • Bay Area Bankruptcy Forum
  • State Bar of California
  • Sonoma County Bar Association

Certified Legal Specialty:

  • Bankruptcy Law (State Bar of California)

Legal Experience:

  • 1979-2013 Attorney - Superior Court of California - probate, family law, contractor fraud and breach of contract. United States Bankruptcy Courts - debtor representation in chapters 7, 11 and 13, defense of complaints to deny discharge and/or to determine dischargeability of debt; creditor representation in motions for relief from automatic stay, complaints to determine dischargeability of debt; trustees, all aspects of representation, sale of assets, avoidance actions, denial of discharge. Appearance before the Bankruptcy Appellate Panel representing debtors and creditors.
  • 1998-2013 Professor Empire College School of Law Bankruptcy Law

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