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Bankruptcy Basics for Low-Income Clients 2021


Speaker(s): Carl R. Gustafson, Sally J. Elkington
Recorded on: Apr. 7, 2021
PLI Program #: 305319

Carl R. Gustafson is a partner at Lincoln Law, LLP in Pleasant Hill, CA.  His practice focuses exclusively on consumer representation in bankruptcy and litigation.

Mr. Gustafson graduated from UCLA Magna Cum Laude with a B.A. in History and received his J.D. from the University of California, Berkeley School of Law in 2007.  In 2013, Mr. Gustafson was recognized as a California Bankruptcy Certified Specialist by The State Bar of California Board of Legal Specialization.

Before entering bankruptcy practice Mr. Gustafson was a legal intern for Global Justice in Rio de Janeiro, Brazil, where he drafted sections of human rights situation reports and submitted them to the United Nations and other international bodies.  He speaks Portuguese and Spanish and translates legalese for his client in all three languages regularly.

Mr. Gustafson is the very proud father of three young girls.


Sally J. Elkington is a solo practitioner.  Ms. Elkington has been practicing law for 32 years, and specifically consumer bankruptcy law for over twenty-five years.  Elkington Law represents debtors in Chapters 7 and13 and files in all divisions of the Northern District of California, as well as the Eastern District of California.  

Ms. Elkington served a three-year term as a Commissioner for the California State Bar Judicial Nomination and Evaluation Commission (JNE) and is a Past President of the board of the Alameda County Bar Association (ACBA) and served on the board for five years.  She has served as both chair and board liaison to the Bankruptcy and Consumer Law Section Executive Committees and currently serves on the board.  She also served as chair of the Lawyer Referral Governing Committee.  She currently volunteers the monthly Low Income Bankruptcy Clinic for Legal Access Alameda of the ACBA.

She was selected by the Northern District Bankruptcy Judges to be a member of the Northern District of California Bankruptcy Bench Bar Committee and completed her term.

In 2013 Ms. Elkington was chosen as Attorney of the Year for the California State Bar Solo and Small Firm section and received the Myer J. Sankary Award.  In 2015 she received the Pro Bono Leadership Award from the ACBA Volunteer Legal Services Corporation.

Ms. Elkington is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), the National Association of Chapter 13 Trustees (NACTT. 

She has been a speaker on numerous panels and symposiums in the area of Bankruptcy Law for various organizations including Bankruptcy and Commercial Law section of the Alameda County Bar Association, the Bar Association of San Francisco, Sacramento Bankruptcy Forum, Bay Area Bankruptcy Forum, National Association of Chapter Thirteen Trustees, Northern District of Chapter 7 Trustees, National Association of Bankruptcy Trustees, Practising Law Institute, and the Law Review Continuing Legal Education (CLE).

Ms. Elkington received her law degree from New College of Law of California, and earned a Bachelor of Science in Speech and Communication Studies, from San Francisco State University.  

Ms. Elkington has been Chairing the Bankruptcy Basics for Low Income Clients webinar since 2012.