Author Archives: David Nelson

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

Posted on September 29, 2013 by David Nelson

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 →

Posted in bankruptcy judges | Tagged , , , , , , , | Comments Off on Top 10 Things You Must Know About Your Chapter 13 Case with Judge Johnson

Government Austerity Programs and Budget Cuts are ALREADY Coming

Posted on September 28, 2013 by David Nelson

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 →

Posted in Uncategorized | Tagged , , , , | Comments Off on Government Austerity Programs and Budget Cuts are ALREADY Coming

How to Find Bankruptcy Attorney David Nelson’s Office

Posted on September 28, 2013 by David Nelson

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

Posted in Uncategorized | Tagged , , , , , , | Comments Off on How to Find Bankruptcy Attorney David Nelson’s Office

There’s One Secret That Matters in Judgment Lien Avoidance

Posted on September 26, 2013 by David Nelson

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 →

Posted in judgment, judgment lien | Tagged , , , , , , , , , | Comments Off on There’s One Secret That Matters in Judgment Lien Avoidance

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

Posted on September 26, 2013 by David Nelson

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 →

Posted in chapter 13, san diego, temecula | Tagged , , , , , , , | Comments Off on America’s Funniest Chapter 13 and I Wish It Were On Video!

Don’t Kiss Your Money Good-Bye!

Posted on September 26, 2013 by David Nelson

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 →

Posted in chapter 13, chapter 7, credit card payments | Tagged , , , , , | Comments Off on Don’t Kiss Your Money Good-Bye!

A Chapter 13 You Can Afford?

Posted on September 6, 2013 by David Nelson

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 →

Posted in affordable bankruptcy, chapter 13 | Tagged , , , , , , , , , | Comments Off on A Chapter 13 You Can Afford?

Top 10 Attorneys and Law Firms Involved in Debt Collections

Posted on September 6, 2013 by David Nelson

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 →

Posted in collection agencies, Debt Consolidation | Tagged , , , , , , , , , | Comments Off on Top 10 Attorneys and Law Firms Involved in Debt Collections

10 Things to Know About Wage Garnishments in California

Posted on September 5, 2013 by David Nelson

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 →

Posted in wage garnishment | Tagged , , , , , , , , , | Comments Off on 10 Things to Know About Wage Garnishments in California

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

Posted on September 3, 2013 by David Nelson

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 →

Posted in chapter 13, Debt Settlements | Tagged , , , , , , | Comments Off on 10 Reasons Why Chapter 13 is Better than Debt Settlements When You Owe a Lot of Money

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

Posted on September 2, 2013 by David Nelson

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 →

Posted in chapter 13 | Tagged , , , , , , , , , , | Comments Off on Why You Should Use Chapter 13 to Consolidate Your Debts When You Have a Higher Income?

8 Chapter 13 Bankruptcy Pitfalls You Can Avoid

Posted on September 1, 2013 by David Nelson

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 →

Posted in chapter 13 | Tagged , , , , , , | Comments Off on 8 Chapter 13 Bankruptcy Pitfalls You Can Avoid

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

Posted on September 1, 2013 by David Nelson

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 →

Posted in collection agencies, Uncategorized | Tagged , , , , , , , , , , , | Comments Off on 6 Sneaky Things Collection Agents Do in Lawsuits to Get You to Lose Without a Fight

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

Posted on September 1, 2013 by David Nelson

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 →

Posted in chapter 13 | Tagged , , , , , , , , | Comments Off on 10 Things You Must Know About Chapter 13 If You Do Not Qualify for Chapter 7

5 Ways Chapter 13 is Better than Debt Consolidation

Posted on September 1, 2013 by David Nelson

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 →

Posted in chapter 13, Uncategorized | Tagged , , , , , , , | Comments Off on 5 Ways Chapter 13 is Better than Debt Consolidation

45 Famous Celebrity Bankruptcies

Posted on September 1, 2013 by David Nelson

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 →

Posted in Uncategorized | Tagged , , , , , , | Comments Off on 45 Famous Celebrity Bankruptcies

It seems Bankruptcy Attorney Lorene Lynn Mies has Retired Medically

Posted on July 25, 2013 by David Nelson

The Bankruptcy Minute A fine attorney and a nice person, Lorene Lynn Mies of the Bankruptcy Minute, has apparently medically retired. She was one of Murrieta’s finest bankruptcy attorneys and I hope she’ll be well and back to her old … Continue reading →

Posted in Uncategorized | Tagged , , , , , , | Comments Off on It seems Bankruptcy Attorney Lorene Lynn Mies has Retired Medically

Attorney’s Fees in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy

Posted on May 30, 2013 by David Nelson

Chapter 7 Chapter 7 is a short procedure.  Also called a straight bankruptcy, it lasts about 4 months.  You pay for it in advance to your attorney via cash, check or money order.  I no longer take checks. I’ve learned something: Every … Continue reading →

Posted in affordable bankruptcy, attorney's fees | Tagged , , , , , , , | Comments Off on Attorney’s Fees in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy

Bankruptcy Dismissed No Discharge

Posted on February 2, 2013 by David Nelson

Case Dismissed without Discharge? Now what? You’ve done your whole case and do not have a chapter 7 Discharge because your attorney forgot to tell you that you are required to do a Debtor Education Course. The Debtor Education Course … Continue reading →

Posted in Uncategorized | Tagged , , , , , , , | Comments Off on Bankruptcy Dismissed No Discharge

Bankruptcy and Income Taxes and Tax Liens

Posted on August 12, 2012 by David Nelson

The California Board of Equalization and California Franchise Tax Board are a bunch of rats clamoring over a cadaver with very little meat left on it’s bones. If you ever make an offer to compromise a debt, never have the … Continue reading →

Posted in Income Taxes, Sales Taxes | Tagged , , , , , , , , , , , , , , , , , | 1 Comment

Temecula Chapter 13 Bankruptcy

Posted on August 8, 2012 by David Nelson

In Murrieta and Temecula a chapter 13 bankruptcy is a fantastic financial tool for restructuring your debt and making life easier and finances manageable. You could potentially reduce your monthly payments by several hundred or more than a thousand dollars.  Particularly … Continue reading →

Posted in chapter 13 | Tagged , , , | Comments Off on Temecula Chapter 13 Bankruptcy

Debt Consolidation Loans

Posted on August 8, 2012 by David Nelson

In Murrieta and Temecula there are great places to obtain debt consolidation loans. In many cases a debt consolidation loan is a fantastic financial tool for restructuring your debt and making life easier and finances manageable. Particularly when your debts … Continue reading →

Posted in chapter 13, chapter 7, Debt Consolidation Loans | Tagged , , , , , , , , | Comments Off on Debt Consolidation Loans

Debt Consolidation

Posted on August 7, 2012 by David Nelson

Non-Profit Debt Consolidation There are tons of non-profit debt consolidators in the Murrieta and Temecula areas. In general what they do is, set you up with a debt consolidation plan. One place put it this way, “You will be able … Continue reading →

Posted in chapter 13, chapter 7, Debt Consolidation | Tagged , , , , , , , | Comments Off on Debt Consolidation

San Bernardino Bankruptcy

Posted on August 3, 2012 by David Nelson

Is a Riverside Bankruptcy looming on the horizon for Riverside?  In the wake of Stockton’s Bankruptcy Chapter 9 and the San Bernardino Bankruptcy filed just this morning, also a chapter 9, who’s next?  You Can’t Squeeze Blood From a Turnip. … Continue reading →

Posted in Uncategorized | Tagged , , , , , , , , | Comments Off on San Bernardino Bankruptcy

City and County Bankruptcies popping up like popcorn

Posted on July 21, 2012 by David Nelson

First Stockton filed bankruptcy, then San Bernardino’s Bankruptcy followed now Compton, (not much of a shock), and rumors that Los Angeles’ Bankruptcy is on the horizon.  Murrieta and Temecula appear to have avoided the bankruptcy bullet for now.  Small towns … Continue reading →

Posted in city bankruptcy | Tagged , , , , , | Comments Off on City and County Bankruptcies popping up like popcorn

Foreclosures in California

Posted on June 19, 2012 by David Nelson

Only Los Angeles County has more foreclosures scheduled than Riverside County in California. And it’s more than twice as many. But Riverside is ahead of every other county by at least 1000.

Posted in foreclosure | Tagged , , , | Comments Off on Foreclosures in California

Pre-Bankruptcy Counseling

Posted on June 8, 2012 by David Nelson

I just recently came across a new one, or at least new to me.  DebtorEdU.com I like this one so far because of the price:  $9.95 per household.  For both the Pre-Filing Bankruptcy Credit Counseling and for the Post-Filing Debtor … Continue reading →

Posted in Credit Counseling, Debtor Education | Tagged , , , , , , , , , , | Comments Off on Pre-Bankruptcy Counseling

Facebook

Posted on May 24, 2012 by David Nelson

I just watched a bankrupt debtor in a bankruptcy 341a creditors meeting get punked by his own Facebook post.  He put on Facebook that he had to get “his boat” ready for a party with 12 people.  When his Facebook … Continue reading →

Posted in Facebook | Tagged , , , , , | 1 Comment

Fair Debt Collection Practices Act ~ FDCPA

Posted on May 5, 2012 by David Nelson

Can a creditor call you once you refuse in writing to pay? You’ve written to the collection agent and told him not to call you anymore, what can you do if they call you anyway? What if a creditor threatens … Continue reading →

Posted in Fair Debt Collection Practices Act, FDCPA | Tagged , , , , , , , , , , , , , , , , , , | Comments Off on Fair Debt Collection Practices Act ~ FDCPA