Monthly Archives: September 2013

Top 10 Things You Must Know About Your Chapter 13 Case with Judge Johnson

Judge Johnson “Thus the best laid plans of mice and [attorneys] oft go astray.” Because Judge Wayne Johnson of the Riverside, CA Bankruptcy Court knows this, he does his best to keep us on our toes. Of course, that’s a … Continue reading

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Government Austerity Programs and Budget Cuts are ALREADY Coming

Government Austerity Programs I telephoned the Riverside Superior Court this morning. The outgoing message stated that “because of budget cuts, an operator is no longer available.” That means that all of the people who used to have jobs answering phones … Continue reading

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How to Find Bankruptcy Attorney David Nelson’s Office

David L Nelson Attorney at Law 24630 Washington Ave 202 Murrieta, CA 92562 951-200-3613 Phone 858-452-4500 Fax I’ve been a bankruptcy lawyer since 1994 and I love getting you out of debt. View Larger Map

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There’s One Secret That Matters in Judgment Lien Avoidance

The One Secret That Matters Is Timing, and it’s a HUGE Benefit to creditors if you mess it up.  The value of your house that matters is the value of the house on the day of the petition was filed.1 … Continue reading

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America’s Funniest Chapter 13 and I Wish It Were On Video!

Chapter 13 Hearing I was a brand new attorney and following the suggestion of a friend of mine, I attended some chapter 13 bankruptcy hearings in Downtown San Diego. Intent on gaining a greater understanding of the process I made … Continue reading

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Don’t Kiss Your Money Good-Bye!

File Bankruptcy Instead. Did you know that paying off $60,000 in credit cards at 20% interest in minimum payments will take decades and you’ll pay nearly $200,000 back in payments of nearly $2000 per month? Did you know that if … Continue reading

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A Chapter 13 You Can Afford?

Low Down Payment I can go as low as required by the case plus filing fee. I set the down payment on a case by case basis. If you’re under the gun and have to get filed and if you’re serious … Continue reading

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Top 10 Attorneys and Law Firms Involved in Debt Collections

I have noticed over the last 17 years that the following collection attorneys and law firms are the most likely to drive a lawsuit all the way to a wage garnishment, bank levy or abstract of judgment. You know these … Continue reading

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10 Things to Know About Wage Garnishments in California

1. It’s a Race Against the Clock From the moment your Human Resources Dept is served the wage garnishment, the service on them creates a lien on your paycheck. See Collect Access LLC v. Hernandez (In Re Hernandez), BAP Nos. … Continue reading

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10 Reasons Why Chapter 13 is Better than Debt Settlements When You Owe a Lot of Money

Chapter 13 vs Debt Settlements; a Re-Match What is a Debt Settlement? A Debt Settlement is a non-judicial process whereby you or your representative contact your creditors and ask them to take a settlement. What is a Chapter 13 Bankruptcy? … Continue reading

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Why You Should Use Chapter 13 to Consolidate Your Debts When You Have a Higher Income?

What if you make a lot of money but have a lot of debt? Has a process server shown up at your door yet with a summons and complaint? When you have a higher income, this is a serious problem. … Continue reading

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8 Chapter 13 Bankruptcy Pitfalls You Can Avoid

Chapter 13 is a Great Tool, Unless . . .  There are pitfalls to avoid. Getting your case dismissed when you thought it was your last hope to save your house is a disaster.  Yet, it happens much more often … Continue reading

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6 Sneaky Things Collection Agents Do in Lawsuits to Get You to Lose Without a Fight

Collection Agents Make Used Car Salesmen Seem Downright Honest So you’ve been sued by Capital One, Ford Motor, Midland Funding, Midland Credit Management, Cavalry Portfolio Service, Portfolio Recovery, Arrow Financial, Asset Acceptance, Cmre Financial, NCO Financial (insert your collection agent’s name … Continue reading

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10 Things You Must Know About Chapter 13 If You Do Not Qualify for Chapter 7

So, Attorney Gandalf has told you that “You Shall NOT Pass!” That’s what Gandalf in the Lord of the Rings told the Demon-Balrog as it attempted to cross a narrow bridge deep in the Mines of Moria. So now you’ve … Continue reading

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5 Ways Chapter 13 is Better than Debt Consolidation

First Way Protection of the Automatic Stay when filing your Chapter 13 Bankruptcy is a much better solution than signing up for a traditional debt consolidation. The Automatic Stay is a Temporary Restraining Order prohibiting Collections!  The order comes from … Continue reading

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45 Famous Celebrity Bankruptcies

45 Celebrities and Entrepreneurs who Filed Bankruptcy For many people, filing a Bankruptcy is the last thing they ever wanted to do. In fact, they probably never imagined that they would have ended up needing to file a Bankruptcy.They had always … Continue reading

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