Gary graduated from high school in his hometown of Needles, California in 1970. After spending two years at Brigham Young University in Provo, Utah, he moved to Los Angeles to attend undergraduate school at the University of Southern California (USC) where he graduated with honors (Cum Laude) with a major in political science in 1974. In November of 1973 Gary married his wife Nedra. Starting in 1974, Gary attended law school at the University of California at Los Angeles (UCLA), where he graduated from in 1977 with a Juris Doctor degree.

Gary and Nedra Fraley moved to Sacramento in 1978 and Gary began his practice of law there. After ten years of general practice, Gary and Nedra decided the law firm would devote its’ practice exclusively to consumer and small business Chapter 7 bankruptcy law and Chapter 13 bankruptcy debt consolidation / reorganization plans.

Gary is a Personal and Small Business Bankruptcy Law Specialist, Certified by the State Board of Specialization of the State Bar of California. He and his wife Nedra are 2 of less than 100 attorneys in California to hold a Bankruptcy law specialist certification.

Gary's passions in life are his family, working with youth, horses, the wilderness, and helping people. The Fraleys have 4 children, two grown married daughters, whose husbands are in the Air Force and Navy. They also have a grown son in the Marines and a daughter still at home.

Gary is active in 4-H leadership and has been a horse project leader. He is also active in the California Gymkhana Association (timed events on horseback, such as barrel racing) where he has been a certified volunteer Gymkhana judge for 10 years. Never too old to also be a competitor, as a rider he earned a Reserve Champion AAA buckle in 1998.

Gary is also active in the Back Country Horsemen of California. He and Nedra were invited in 1998 to join a unique group of less than 100 BCHC members who have been trained as a Wilderness Riders by Back Country Horsemen of California, the National Forest Service, the National Park Service and the Bureau Land Management. As a Wilderness Rider, he acts as a volunteer mounted forest ranger and educator in cooperation with and doing voluntary assignments for the Forest Service each year. Additionally, as part of his Wilderness Rider responsibilities he teaches "Leave No Trace" camping and “Gentle Stock Use” techniques to Scouting, 4-H, horse and other organizations. He and Nedra have taught seminars on these topics at the Back Country Horsemen of California annual Rendezvous and at the annual Western States Horse Expo in Sacramento for the past several years. They are also charter members of the Stanislaus National Forest Volunteers acting in that capacity as well as volunteer Forest Rangers.

Gary’s passion for helping people is evidenced by the respect and high esteem which his clients hold for him, as well as the respect of the Judges and Trustees for his high degree of commitment to the truth and to his clients best interests.