Get on the path to results today.

Legal Expertise You Can Rely On

Legal Expertise You Can Rely On

Legal Expertise You Can Rely OnLegal Expertise You Can Rely On


I've been practicing law for 35 years and I have successfully obtained bankruptcy discharges debts for hundreds and hundreds of clients. I practice law because I want to help people. Real people. People with jobs, businesses, partners, families. Not debt collectors, credit card companies, large corporations or insurance companies. You can see some of my clients’ many five-star reviews here.

I am a solo practitioner and provide personalized, individual service to each and every one of my clients. All your consultations will be with me, and I will personally answer your questions at every stage of the process. I take great care and as much time as my clients need to explain the entire process as well as details of what needs to be done and how to do it.

I know how difficult and stressful it is to have unmanageable debts. And I know that many honest, hard-working people are just one lost paycheck, one medical crisis, one bad month away from insolvency. But you have options that will let you keep your home, your retirement savings, your vehicles, and most, if not everything, that you own.

Contact me for a free phone or in-person consultation. Let me help you figure out your best next steps. The sooner you have a plan of action the better your chances of achieving the results you want. Get on the path to results today.



Chapter 7 - Liquidation

Chapter 11 - Small Business Reorganization

Chapter 12 - Farmers & Fishermen

Chapter 13 - Partial Repayment based on income

Debt Settlements

For some people, for a variety of reasons, bankruptcy is not a good option. I have successfully negotiated hundreds of debt settlements for my clients, with discounts as great as paying only 20% of the amount owed. Typical settlements are in the range of 50-70% of what was owed. Your results may vary - each case is unique.


30 years after I obtained my Juris Doctor degree and started practicing law I returned to law school in 2014 and earned a Master of Laws degree in Intellectual Property and Technology Law, graduating at the top of my class. Since then I have successfully obtained federal registration and protection for dozens of trademarks.

Almost anything can be trademarked, from the obvious (brand names and logos) to the surprising (colors, scents, sounds) as long as it is used to identify a particular source, so that consumers are not confused  about who made the product or provides the service they are selling. I perform world-wide trademark searches to make sure that my clients' proposed trademarks do not infringe on any existing trademark, prepare all of the necessary applications and documentation, file the application with the United States Patent and Trademark Office, and prosecute the application through registration.


Copyright registration with the Library of Congress gives your creative work national protection. It is the most powerful and cost-effective way to make certain no one steals your work.

Business Entity Formation, Maintenance & Dissolution

I help you select the type of business entity that is best for you, whether it is a C corporation, an S corporation, or Limited Liability Company, and then I prepare the required documents and submit them to the Secretary of State. After formation I provide the necessary annual and other documentation to maintain your business entity as a legitimate separate entity to prevent anyone from "piercing the corporate veil" and holding you personally liable for any liability created by the entity. Finally, when a client desires to dissolve their business entity, I provide all the guidance and forms to make sure that the entity is properly wound down and dissolved.


$300,000 of Student Loans Discharged

The legal requirements for discharging student loan debts in California are draconian and punitive, and the procedures are long and involved, but I obtained a discharge of $300,000 of student loan debts for one of my clients in 2018. I am not aware of any other California bankruptcy attorney who has been able to accomplish that.

Homes Kept

I have successfully helped many clients save their homes from foreclosure, in some cases where my clients waited until literally the last few minutes, by filing emergency petitions before the scheduled auction. 

Retirement Accounts Saved

I have saved so many clients' retirement accounts I can't even keep track!

Millions of Dollars of Debts Discharged

I have successfully obtained discharges of millions of dollars debts, in some individual cases nearly half a million dollars.

Copyright © 2020 Law Office of David P. Gardner - All Rights Reserved.


The first step is for us to meet, go over the details of your unique situation, and explore your options. I will explain the laws and how they apply to your situation, and lay out all your options. 

We can meet in person, by telephone, Skype or similar, after work or on weekends,  and even at your home if necessary so that you don't have to miss work or pay for child care. How many other lawyers make house calls?

My initial consultation is always free, no matter how long it takes.  We work together to come up with a plan that will get you the results you need. 

Don't wait! Things only get worse, and the longer you wait the fewer options you may have. In particular NEVER use money from your retirement accounts to pay debts! It makes no sense to pay some evil bank or lender charging loan shark rates (25% - 30% and up - in the case of some payday and title loans as ridiculously high as 300% - 400%!) and suffer the tax consequences of early distributions, when you can keep all of your retirement money and wipe out your debts for a fee that is a tiny fraction of what you owe.

Contact Us

Law Office of David P. Gardner

Law Office of David P. Gardner 755 Baywood Drive 2nd Floor Petaluma, CA 94954 US

(707) 658-4460


Open today

08:30 am – 06:00 pm