Author Archives: David Nelson

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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It seems Bankruptcy Attorney Lorene Lynn Mies has Retired Medically

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

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

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

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Bankruptcy Dismissed No Discharge

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

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Bankruptcy and Income Taxes and Tax Liens

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

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Temecula Chapter 13 Bankruptcy

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

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Debt Consolidation Loans

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

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Debt Consolidation

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

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San Bernardino Bankruptcy

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

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City and County Bankruptcies popping up like popcorn

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

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Foreclosures in California

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.

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Pre-Bankruptcy Counseling

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

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Facebook

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

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Fair Debt Collection Practices Act ~ FDCPA

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

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