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Michael O. Hays Law Office, located in Chico, CA, specializes exclusively in bankruptcy law, offering compassionate support and effective legal solutions for individuals struggling with overwhelming debt. With over 30 years of experience, the firm is dedicated to providing affordable, flat-rate fees and flexible payment plans, ensuring clients understand their costs from the start. Committed to helping clients achieve financial relief, Michael Hays and his team assist with a variety of financial challenges, including foreclosures, wage garnishments, and creditor harassment. The firm prides itself on being a local, accessible resource, ready to answer questions and guide individuals through the bankruptcy process with care and efficiency. Generated from the website