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Call us Today!  (916) 290-7778

Schedule A Consultation
Schedule A Consultation
 * About Us
 * Practice Areas Menu Toggle
   * Bankruptcy Menu Toggle
     * Chapter 7 Bankruptcy
     * Chapter 13 Bankruptcy
     * Consumer Guide to Bankruptcy
     * Bankruptcy: Myths & Misconceptions
     * Bankruptcy & Protecting Your Home
     * Student Loan Discharge in Bankruptcy
     * Bankruptcy & Tax Debt
     * SBA Loans & Bankruptcy
   * FCRA (Fair Credit Reporting Act) Menu Toggle
     * Top 5 Fair Credit Reporting Act Violations
     * Consumer Rights Under the FCRA
     * Who enforces the FCRA?
   * TCPA (Telephone Consumer Protection Act) Menu Toggle
     * TCPA Case or Not: Your Essential Guide
     * Staying Ahead of TCPA Changes
   * Stay & Discharge Violations
 * Our Team Menu Toggle
   * Attorneys Menu Toggle
     * Elliot W. Gale
     * Joe B. Angelo
     * Scott M. Johnson
   * Staff Menu Toggle
     * Trish L. Ures
     * Lisa V. Walker
     * Jasmine M. Adams
     * Alexia D. Snider
 * Locations
 * Blog
 * FAQ’s
 * Contact



Main Menu
 * About Us
 * Practice Areas Menu Toggle
   * Bankruptcy Menu Toggle
     * Chapter 7 Bankruptcy
     * Chapter 13 Bankruptcy
     * Consumer Guide to Bankruptcy
     * Bankruptcy: Myths & Misconceptions
     * Bankruptcy & Protecting Your Home
     * Student Loan Discharge in Bankruptcy
     * Bankruptcy & Tax Debt
     * SBA Loans & Bankruptcy
   * FCRA (Fair Credit Reporting Act) Menu Toggle
     * Top 5 Fair Credit Reporting Act Violations
     * Consumer Rights Under the FCRA
     * Who enforces the FCRA?
   * TCPA (Telephone Consumer Protection Act) Menu Toggle
     * TCPA Case or Not: Your Essential Guide
     * Staying Ahead of TCPA Changes
   * Stay & Discharge Violations
 * Our Team Menu Toggle
   * Attorneys Menu Toggle
     * Elliot W. Gale
     * Joe B. Angelo
     * Scott M. Johnson
   * Staff Menu Toggle
     * Trish L. Ures
     * Lisa V. Walker
     * Jasmine M. Adams
     * Alexia D. Snider
 * Locations
 * Blog
 * FAQ’s
 * Contact

Our Integrity Drives Results. Our Compassion Drives Us. 

Northern California’s Premier Bankruptcy & Consumer Litigation Attorneys

SCHEDULE A BANKRUPTCY CONSULTATION




HELPING CONSUMERS DAILY

At Gale Angelo Johnson P.C., our attorneys start every day with one objective in
mind – to help consumers facing financial hardships regain control of their
lives. Since our firm’s founding, we have walked side-by-side with over one
thousand clients on the road to financial recovery and our passion shows through
our results.

Total Debt Discharged for Clients
$ 1000000
Number of Consumer Cases Filed
0 +
Total Consumer Settlements Received
$ 5000000

The numbers speak for themselves, but they do not tell the whole story. Every
figure represents an individual or family we have helped out of crushing debt,
harassment, and stress through compassionate legal advocacy. Our firm does more
than make companies accountable for predatory practices. We provide real
solutions so consumers can look forward to a secure financial future.


SCHEDULE A FREE CONSULTATION TODAY

Take control of life's decisive moments: consult our exclusive consumer legal
advocates today to find clarity amidst uncertainty, and forge confidently into
your future.

SCHEDULE NOW



OUR PRACTICE AREAS


BANKRUPTCY

When financial hardship strikes, our knowledgeable bankruptcy attorneys
compassionately guide individuals through legal options like Chapter 7 or
Chapter 13 bankruptcies in order to help our clients regain control of
distressed finances.


CREDITOR HARASSMENT

We have helped hundreds of clients who faced unrelenting harassment from
creditors and debt collectors. Our attorneys have helped to stop unsolicited
prerecorded robocalls and threatening collectors by enforcing the Telephone
Consumer Protection Act, Fair Debt Collection Practices Act, and California
Rosenthal Act.


CREDIT REPORT ERRORS

Having an accurate credit report is an essential component of life in the modern
world. Our attorneys represent consumers who have been denied credit or
otherwise damaged because of errors on their credit reports.


STAY & DISCHARGE VIOLATIONS

A Bankruptcy case halts debt collection, but if creditors still contact you
trying to collect on debts included in your filing, with your assistance we can
help enforce the legal protections that prohibit harassment after your
bankruptcy filing or discharge.




MEET YOUR TRUSTED LEGAL ADVOCATES

The attorneys at our firm bring decades of combined experience and unwavering
commitment to providing excellent legal representation. Our team of skilled
consumer advocates will stand by your side, using their expertise in areas like
bankruptcy law and consumer protection rights to secure optimal outcomes for
clients. It’s our pleasure to introduce our legal professionals – learn more
about their backgrounds handling complex cases and dedication to protecting
client interests.

ELLIOT W. GALE

Partner
Elliot Gale is a consumer rights advocate with a decade of experience in
litigation for Fair Credit Reporting Act (FCRA), Telephone Consumer Protection
Act (TCPA), Fair Debt Collection Practices Act (FDCPA), and Stay Violations.
 * 

JOE B. ANGELO

Partner
Joe Angelo specializes in bankruptcy and consumer litigation. Advocating for
optimal legal outcomes in financial hardship and credit reporting issues.
 * 

SCOTT M. JOHNSON

Partner
Scott M. Johnson is an expert in bankruptcy, debt relief, and consumer
protection. Passionate about helping clients achieve financial freedom and peace
of mind.
 * 






CLIENT SUCCESS STORIES

Read firsthand testimonials from the many clients we’ve had the privilege to
represent over the years. Their experiences speak to our integrity-driven
results, compassionate approach, and commitment to protecting interests when
navigating difficult legal situations related to bankruptcy, debt, and consumer
rights.

Great job, made process easy and cost effective.

Great job, made process easy and cost effective.

 * 
 * 
 * 
 * 
 * 

Mike M.

- Yelp




I needed a lawyer to handle my bankruptcy case and contacted Gale Angelo
Johnson. From the initial phone call to...Read More

I needed a lawyer to handle my bankruptcy case and contacted Gale Angelo
Johnson. From the initial phone call to the meeting with the lawyer, everyone
was very friendly and understanding. I unfortunately had to move states, so I
was not able to continue to use them for my bankruptcy, but I was able to retain
them for judgements against a few of my creditors that kept calling even after
being advised I was in bankruptcy proceedings.
This whole team has gone above and beyond in their help for me. Thank you to
Elliot Gale and the rest of his team for all that they have done to help me.

 * 
 * 
 * 
 * 
 * 

Charmaine B.

- Yelp




My husband and I used the law firm of GAJ P.C. for our bankruptcy. Choosing this
firm was the best...Read More

My husband and I used the law firm of GAJ P.C. for our bankruptcy. Choosing this
firm was the best decision we could have ever made. Upon filling out the initial
filing packet we met with attorney Scott Johnson. He was very cordial and
professional. Scott was knowledgeable about bankruptcy and which path would be
best for our situation. From that moment on Scott was by our side walking us
through the entire process, telling us what to expect and most importantly won
our case for us. The support staff was also amazing. Whether we were trying to
reach Scott personally or a member of the team someone got back to us within the
same day. Worst case, the following day. We were always included in the process
and treated with respect. We highly recommend GAJ P.C. to anyone seeking a great
firm to handle their legal issues.

 * 
 * 
 * 
 * 
 * 

Kim Z.

- Yelp




I wanted to wait until the whole process was complete so I can give a true
review. To start I...Read More

I wanted to wait until the whole process was complete so I can give a true
review. To start I contacted multiple bankruptcy lawyers through yelp and most
were very short and discouraged me more than anything else. I came in for an
initial consultation with Scott and he was so caring and understanding that
bankruptcy isn't an easy decision. He even made sure I knew what all our options
were before making any decisions. Once I retained him the processes was easy and
he worked with our busy schedule. As of today we are debt free and barely had to
do anything but provide information to Scott. I have to also commend all the
other employees that helped along the way. Believe it or not but everyone we had
contact with at this firm was so nice and not judgmental at all. Everyone was so
willing to be helpful. Hands down best firm with affordable prices and they will
work with you payment plans on the fees.

 * 
 * 
 * 
 * 
 * 

Michelle H.

- Yelp




I was very fortunate to be represented by Elliot Gale, after a creditor
continued to contact me during my bankruptcy....Read More

I was very fortunate to be represented by Elliot Gale, after a creditor
continued to contact me during my bankruptcy. In the beginning they were upfront
with the timeframe of the case. There was never a stressful moment because of
the personal interest they took towards me. They kept me informed every step of
the way. Everyone in the firm from the lead attorney to the paralegals were
professional, knowledgeable and most of all courteous and understanding. They
made me feel as though they were representing a family member. They waived a
significant portion of their fees for me to receive an amicable settlement, but
the value of their due diligence was priceless.

 * 
 * 
 * 
 * 
 * 

Gilbert T.

- Google




The Team was amazing with my whole process from start to finish. They really
went to bat for me on...Read More

The Team was amazing with my whole process from start to finish. They really
went to bat for me on several credit cards companies that violate state and
federal laws. They were successful is getting max payouts for me. They did a
great job also following up with the credit bureaus. They helped alleviate a lot
of stress had I tried to do this all myself.

 * 
 * 
 * 
 * 
 * 

Tina Morris

- Google




I worked with Elliot Gale and team to resolve a new vehicle purchase dealership
fraud issue which didn't come to...Read More

I worked with Elliot Gale and team to resolve a new vehicle purchase dealership
fraud issue which didn't come to light until I traded the car in almost 10 years
later after original purchase. The upfront consultation was straightforward, the
communication and research were clear, and they persisted with the legal process
to a satisfactory settlement. This was my first time retaining counsel for any
legal matter outside of estate planning and GAJ PC can count me as a satisfied
customer.

 * 
 * 
 * 
 * 
 * 

Rode Gode

- Google




I was referred to this firm by way of my bankruptcy attorney. They handled
inaccuracies that were noted on all...Read More

I was referred to this firm by way of my bankruptcy attorney. They handled
inaccuracies that were noted on all 3 of my credit reports. They were able to
get my reports corrected, I received minor settlements from each credit bureau,
and it was at no cost to me. Great firm that I would recommend to anyone.

 * 
 * 
 * 
 * 
 * 

Leslie

- Google




Its not easy going through a litigious case, it feels like a nightmare, and its
costly - but I am...Read More

Its not easy going through a litigious case, it feels like a nightmare, and its
costly - but I am glad its behind me and I have moved on with my life. I highly
recommend Attorney Scott Johnson 100% and am grateful he helped me move on with
my life. He provided his best recommendations and helped me make decisions.
Unfortunately, the best option I had was to go to trial, but after it was all
said and done, I was relieved.

 * 
 * 
 * 
 * 
 * 

Jamie Macias

- Google




We had a great experience with this law firm from start to finish. The
communication, support and guidance from Scott...Read More

We had a great experience with this law firm from start to finish. The
communication, support and guidance from Scott was outstanding and made us very
comfortable throughout our ordeal.

 * 
 * 
 * 
 * 
 * 

John G.

- Yelp




My former credit card allowed someone to open an account in my name and charge
more than 8K. My credit...Read More

My former credit card allowed someone to open an account in my name and charge
more than 8K. My credit was ruined. My current credit card lowered my limit from
20K to 6K, and there was nothing I could do to fix it. I called around and got
referred to Gale Angelo Johnson and they fixed my credit across every agency.
It's back to near perfect. They disputed and closed the fake account, and I
ended up getting a generous settlement. They are super professional and I'm so
lucky I had them advocating for me! Elliot, Joe, Brittany, thank you. I
appreciate you so much.

 * 
 * 
 * 
 * 
 * 

David L.

- Yelp




Great job, made process easy and cost effective.

Great job, made process easy and cost effective.

 * 
 * 
 * 
 * 
 * 

Mike M.

- Yelp




I needed a lawyer to handle my bankruptcy case and contacted Gale Angelo
Johnson. From the initial phone call to...Read More

I needed a lawyer to handle my bankruptcy case and contacted Gale Angelo
Johnson. From the initial phone call to the meeting with the lawyer, everyone
was very friendly and understanding. I unfortunately had to move states, so I
was not able to continue to use them for my bankruptcy, but I was able to retain
them for judgements against a few of my creditors that kept calling even after
being advised I was in bankruptcy proceedings.
This whole team has gone above and beyond in their help for me. Thank you to
Elliot Gale and the rest of his team for all that they have done to help me.

 * 
 * 
 * 
 * 
 * 

Charmaine B.

- Yelp




My husband and I used the law firm of GAJ P.C. for our bankruptcy. Choosing this
firm was the best...Read More

My husband and I used the law firm of GAJ P.C. for our bankruptcy. Choosing this
firm was the best decision we could have ever made. Upon filling out the initial
filing packet we met with attorney Scott Johnson. He was very cordial and
professional. Scott was knowledgeable about bankruptcy and which path would be
best for our situation. From that moment on Scott was by our side walking us
through the entire process, telling us what to expect and most importantly won
our case for us. The support staff was also amazing. Whether we were trying to
reach Scott personally or a member of the team someone got back to us within the
same day. Worst case, the following day. We were always included in the process
and treated with respect. We highly recommend GAJ P.C. to anyone seeking a great
firm to handle their legal issues.

 * 
 * 
 * 
 * 
 * 

Kim Z.

- Yelp




I wanted to wait until the whole process was complete so I can give a true
review. To start I...Read More

I wanted to wait until the whole process was complete so I can give a true
review. To start I contacted multiple bankruptcy lawyers through yelp and most
were very short and discouraged me more than anything else. I came in for an
initial consultation with Scott and he was so caring and understanding that
bankruptcy isn't an easy decision. He even made sure I knew what all our options
were before making any decisions. Once I retained him the processes was easy and
he worked with our busy schedule. As of today we are debt free and barely had to
do anything but provide information to Scott. I have to also commend all the
other employees that helped along the way. Believe it or not but everyone we had
contact with at this firm was so nice and not judgmental at all. Everyone was so
willing to be helpful. Hands down best firm with affordable prices and they will
work with you payment plans on the fees.

 * 
 * 
 * 
 * 
 * 

Michelle H.

- Yelp




I was very fortunate to be represented by Elliot Gale, after a creditor
continued to contact me during my bankruptcy....Read More

I was very fortunate to be represented by Elliot Gale, after a creditor
continued to contact me during my bankruptcy. In the beginning they were upfront
with the timeframe of the case. There was never a stressful moment because of
the personal interest they took towards me. They kept me informed every step of
the way. Everyone in the firm from the lead attorney to the paralegals were
professional, knowledgeable and most of all courteous and understanding. They
made me feel as though they were representing a family member. They waived a
significant portion of their fees for me to receive an amicable settlement, but
the value of their due diligence was priceless.

 * 
 * 
 * 
 * 
 * 

Gilbert T.

- Google




The Team was amazing with my whole process from start to finish. They really
went to bat for me on...Read More

The Team was amazing with my whole process from start to finish. They really
went to bat for me on several credit cards companies that violate state and
federal laws. They were successful is getting max payouts for me. They did a
great job also following up with the credit bureaus. They helped alleviate a lot
of stress had I tried to do this all myself.

 * 
 * 
 * 
 * 
 * 

Tina Morris

- Google




I worked with Elliot Gale and team to resolve a new vehicle purchase dealership
fraud issue which didn't come to...Read More

I worked with Elliot Gale and team to resolve a new vehicle purchase dealership
fraud issue which didn't come to light until I traded the car in almost 10 years
later after original purchase. The upfront consultation was straightforward, the
communication and research were clear, and they persisted with the legal process
to a satisfactory settlement. This was my first time retaining counsel for any
legal matter outside of estate planning and GAJ PC can count me as a satisfied
customer.

 * 
 * 
 * 
 * 
 * 

Rode Gode

- Google




I was referred to this firm by way of my bankruptcy attorney. They handled
inaccuracies that were noted on all...Read More

I was referred to this firm by way of my bankruptcy attorney. They handled
inaccuracies that were noted on all 3 of my credit reports. They were able to
get my reports corrected, I received minor settlements from each credit bureau,
and it was at no cost to me. Great firm that I would recommend to anyone.

 * 
 * 
 * 
 * 
 * 

Leslie

- Google








2999 Douglas Blvd
Suite 111
Roseville, CA 95661
Phone: (916)-290-7778
Fax: (916) 282-0771
Email: contact@galeangelojohnson.com





Copyright © 2025 Gale Angelo Johnson P.C.

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