About

Michael Odowd Hays is a dedicated bankruptcy attorney serving individuals and families seeking practical debt relief solutions through Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. As the founder of the Law Offices of Michael Odowd Hays in Chico, California, he focuses his practice on helping clients navigate financial hardship with clarity, confidence, and a path forward. His work is centered on providing knowledgeable legal guidance tailored to each client’s unique circumstances, whether they are facing overwhelming unsecured debt, creditor pressure, wage garnishment, or the need to reorganize their finances over time. With extensive experience in bankruptcy law, Michael Odowd Hays understands that financial distress can be both stressful and deeply personal. He takes a client-focused approach, working to make the bankruptcy process more understandable and less intimidating while helping clients evaluate whether Chapter 7 or Chapter 13 bankruptcy is the best option for their goals. Known for his professional and responsive representation, he is committed to helping clients protect their rights and make informed decisions about their financial future. At the Law Offices of Michael Odowd Hays, clients can expect straightforward counsel and attentive service from an attorney who values practical solutions and personalized support. Based in Chico, California, he is dedicated to helping clients move toward a fresh start through effective bankruptcy representation.

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