Category Archives: Uncategorized

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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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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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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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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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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Discharging Student Loans

You can Discharge Student Loans without a Bankruptcy under certain circumstances.

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Gas Price at the Union 76 on Orange Ave, Coronado, CA

Gas price in Coronado, CA on 3/1/12 at the Union 76 on Orange Ave.

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The US Budget and National Debt

If we don’t start picking our political leaders more wisely, we’re gonna pay for it! If your spouse was spending more than $1300 per month on credit cards, you’d probably get a divorce immediately. If you knock 8 zeros off … Continue reading

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Corporate Personhood

Legal Persons Corporate legal personhood is good. If you owned a grocery store and didn’t incorporate, you’d very quickly find out how good it is while watching some plaintiff’s lawyer suck all your hard work out of your non-corporate veins. … Continue reading

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Which Chapter in Bankruptcy is Right For Me?

Chapter 7 vs Chapter 13 I will endeavor to be brief. The moment that you file your case, whether in chapter 7 or chapter 13, a temporary restraining order is issued by the bankruptcy court prohibiting collections of any type … Continue reading

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Volker Pispers bespricht Schulden

If you don’t understand about debt, trust me, it’s not because you don’t speak German, it’s because you grew up in a world where debt is a drug and we’re all addicted. Volker Pispers über Schulden (19.11.2011) So we have … Continue reading

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Because Friends Don’t Let Friends Pay Credit Cards From Savings

Why Bankruptcy? Because Friends Don’t Let Friends Pay Credit Cards From Savings Legal Notice: You are not my client, this is not legal advice, it’s a bunch of codswallop and hogwash, rely on it at your own peril, nor does … Continue reading

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How to Discharge Income Taxes in Bankruptcy

Before we get started, Disclaimer: Nothing in this article may be mistaken as legal advice. Attorney David Nelson, is licensed only in California, and this article is intended only for readers in California. This article is for entertainment, educational, extra-curricular, … Continue reading

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Cash for Keys

If you lose your home to Foreclosure . . . If you cannot afford to pay for your home, if you cannot eventually get a loan modification, if a Chapter 13 just won’t work for you, then you will lose … Continue reading

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Rebuilding Credit After Bankruptcy

David, If you or anyone you know has ever file bankruptcy than for them to get back on their feet [fast] they MUST know… ————————————— How to Rebuild Credit After Bankruptcy Copyright 2011 / All Rights Reserved ————————————— See the … Continue reading

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Recent Client Testimonial

David and Anna, My husband and I wanted to express our sincerest ‘thank you’ for your depth of preparation, and guidance prior to our hearing date. While awaiting our turn with the trustee it was unsettling to witness not only individuals  … Continue reading

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Bankruptcy Means Test Basics

Bankruptcy Means Test Basics _____________ Bankruptcy Means Test is the Chapter 7 Qualification Test. However, if you do not qualify for a 7, it is also used to determine the amount of your chapter 13 plan payment. Additionally, it determines … Continue reading

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Reaffirmation Agreements

A Reaffirmation Agreement is a new promissory note to keep paying on an old contract for the purchase of goods where the lender can repossess or foreclose the goods. Because you have signed a security agreement the lender has the right to repossess or foreclose if you do not pay for it. Continue reading

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Bankruptcy Attorney David Nelson

TEMECULA BANKRUPTCY ATTORNEY DAVID NELSON I have been a Bankruptcy Attorney since the very beginning. Having graduated in the top 15% of my class I passed bar the first time and in June of 1994 I opened my law office.  … Continue reading

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Chapter 13 2nd Mortgage Lien Stripping

Chapter 13 2nd Mortgage Lien Stripping You may be able to strip your 2nd mortgage or home equity line of credit, Heloc, off of your home in a Chapter 13.  Not only can you discharge the loan, or promissory note … Continue reading

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Debt Freedom and Retirement

Debt Freedom is Required for Retirement If you’re like most of us, you’re planning to retire on your 401k or other similar Retirement plan. And you’re wondering if Walmart and McDonalds will have too many “senior” team members when you … Continue reading

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Chapter 7 and Your 2nd Mortgage

CHAPTER 7 AND YOUR 2ND MORTGAGE While you may be able to strip these off of your home in a Chapter 13, in a Chapter 7, you may still be able to effectively ignore it and keep your home.  However, … Continue reading

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YOUR HOA MAY SUE YOU EVEN AFTER YOUR BANKRUPTCY

YOUR HOA MAY SUE YOU EVEN AFTER YOUR BANKRUPTCY: THE BANKRUPTCY CODE SPECIFICALLY ALLOWS IT!  The Rule is that you can eliminate your personal liability to pay your Home Owner’s Association up to the date that you file your case.  … Continue reading

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Why Bankruptcy?

You cannot serve God and Mammon. But watch what the servant did. In that parable the servant was told by the business owner that he was going to be fired because he hadn’t collected on the accounts. As the accounts manager was a bad servant because he hadn’t collected. So he settles a bunch of the accounts and he gets a commendation for it. Continue reading

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