Welcome.           I'm Gerald White, a CERTIFIED LEGAL SPECIALIST IN BANKRUPTCY LAW, one of only 112 attorneys certified as such by The California Board of Legal Specialization of The State Bar of California.  We're located in Folsom, California, just east of our State Capitol, Sacramento.  IF YOU'RE EXPERIENCING CREDIT PROBLEMS, WE CAN HELP!  We've been helping clients solve their credit problems for more than 28 years. We've represented individuals and businesses in over 6,000 bankruptcy cases. We've helped hundreds of clients avoid bankruptcy through credit counseling and debt negotiation.  WE HAVE THE KNOWLEDGE AND EXPERIENCE TO HELP YOU!            CALL (916) 985-3330 NOW FOR A FREE BANKRUPTCY CONSULTATION with me or my associate attorney, Gary Gale, who has over 18 years of experience  representing individuals and businesses in bankruptcy.             We are known for the HIGHEST QUALITY REPRESENTATION AND RESULTS.  As with most things in life, the best results come from experience, planning and effort.  Your initial FREE CONSULTATION is with me or Mr. Gale, not a paralegal, assistant or secretary. It is our experience, knowledge of the law and Court procedures, and knowledge of the local judges and bankruptcy trustees, that enables us to correctly identify the issues in your case and develop an appropriate strategy for you.  We would never delegate that responsibility to our staff as do most other law firms. We usually spend an hour or more, sometimes much more, in the initial free consultation to analyze your case and lay out all of the issues pro and con in writing so that you can understand your legal and economic choices and make  knowledgeable decisions based on the goals that are most important to you.  Believe me, not all bankruptcy cases are the same, so we will analyze your case based upon your specific circumstances.  Often clients are not in the best position to file a bankruptcy immediately and get the best results.  Proper planning can maximize the results, minimize the problems, and put you in the best position to move forward economically.           In this recession many attorneys have jumped on the bankruptcy bandwagon, so you'll see a lot of law firms claiming expertise in bankruptcy that just isn't there.  SINCE THE  INITIAL CONSULTATION IS FREE, WE WELCOME YOU TO COME AND SEE US, THEN SEE EVERYONE ELSE.    WE HAVE NO DOUBT THAT ONCE YOU LET US ANALYZE YOUR CASE YOU WON'T WANT ANYONE ELSE TO REPRESENT YOU!             CALL (916) 985-3330 NOW FOR YOUR FREE BANKRUPTCY CONSULTATION.           We represent clients who reside or do business in Sacramento, Folsom, Rancho Cordova, Roseville, Granite Bay El Dorado Hills, Cameron Park, Placerville, Lake Tahoe, Citrus Heights, Fair Oaks, Orangevale, Davis, Dixon, Fairfield, Vacaville, Vallejo, Elk Grove, Galt, Auburn, Grass Valley, Nevada City, Marysville, Yuba City, West Sacramento, and the outlying areas of Sacramento, Placer, El Dorado, Yolo, Amador, Alpine, Solano,  Sutter, and Yuba Counties.