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Chico Location
641-643 Flume
Chico CA. 95928
(530) 899-5100


Willows Location
333 N. Plumas Street
Willows, CA 95988
(530) 934-0123


David Howard
  • Chapter 13
  • Chapter 7
  • Collections & Repossessions
  • Credit Disputes
  • Debt Relief
  • Garnishments
  • Business Bankruptcy
  • Credit Repair
  • Credit Restoration
  • Creditor Harassment
  • Personal Bankruptcy
  • Foreclosures

Preferred New Clients

As a bankruptcy attorney, I would like to work with individuals, couples and families that are either experiencing financial difficulties or are looking to avoid paying a legal judgment or claim. Given that I will meet with them for a free consultation, they have nothing to lose, and we can examine their unique situation together in order to see what options they may have available to them under the law. If after examining their financial situation, it appears that a bankruptcy is their best option, then we can move in that direction. If some other alternative appears to be a better option, then I will try to assist the clients with either referrals to the appropriate help they need or other advice as may be appropriate.

I just successfully completed a bankruptcy case where my clients were a husband and wife who were both employed in the banking industry and together made in excess of $75,000 annually. This case had to go all the way up to the U.S. Trustee's office for computation and review based on the 'means test' that is now employed by the court. We were able to convince the Trustee that our clients' high income was offset by the large medical, educational, and other provable expenses of their three children. In this way, we were able to keep their bankruptcy case from being deemed "abusive" under the means test and successfully adjudicated it as a Chapter 7 Bankruptcy. This case is not representative of the average case my office handles, however it is representative of our skill and dedication to secure the best result possible for our clients.

Fixed-Price Services and Fees

Chapter 7 Bankruptcy: $1,500 + Filing Fee.
Business Formation: Limited Liability Companies from $750.00, Corporations from $1,000.

Hourly Rates


Free Initial Consultation?

Yes, 1/2 to 1 hour.

Typical Retainer

Depends on case.


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