Stops Creditor Harassment
Stops Annoying Phone Calls
Stops Law Suits
Stops Wage Garnishment
Stops Bank Levy
Stops the Worry
Keep your HOME, while you
Get Rid of your 2nd Mortgage or
Home Equity Line of Credit
Temecula Bankruptcy Attorney David Nelson can do your bankruptcy quickly and affordably. Located in Temecula CA his office is conveniently located near you.
"Like you, I don't believe in buying things I can't afford to impress people I probably don't like anyway. That behavior is a disservice to you, when you need me the most." ~David Nelson
* No, not everyone's case can or should be filed the same night let alone at all. * No, I will not be able to file every one of you who calls the night before a foreclosure, but I will certainly try.
Once you've paid me a down payment, and you've signed your retainers, start answering your phone again. When a creditor calls, answer it. Tell them, I'm going to file bankruptcy, my attorney's name is Davd L Nelson, and his phone number is 951 790 2265. Your Creditors will call me, verify it, and quit calling you. Paying me a down payment stops creditor harassment.
The Automatic Stay which is created when the case is filed not only stops foreclosures and repossessions, but also stops, lawsuits, service of process, wage garnishment and bank levy.
When the sheriff serves a bank levy on the bank, the bank must turn over whatever is in your accounts as soon as possible. Your accounts will show up zeroed out immediately. However, the bank may or may not turn the money over immediately. Assuming that the bank does turn it over to the sheriff immediately, the sheriff must wait ten days before sending it to your creditor.
If you file your case before the sheriff turns it over to the creditor, you have an excellent chance at getting your money back. Usually, you'll have to file some paperwork and get a court order to get the money back, but it's pretty routine and easy to do. You do have to be able to protect the amount of money taken under your state's laws in order to get it back though.
RIGHT NOW. If you've been told by your HR Department that you're about to have your wages garnished, quit whatever you're doing and run to your bank and empty your accounts RIGHT NOW.
Practice limited to Southern California including Riverside, San Diego, Orange, Santa Ana, Los Angeles, San Bernardino Counties and also San Francisco.
Evening and Weekend Appointments Available, Midnight Filing Available if Necessary
Temecula Bankruptcy Attorney
I've been a bankruptcy attorney in Temecula since 2007 and first started my bankruptcy practice in 1994. I do it to give you peace of mind. I do it to win. I love what it does for families, I love that it takes the biggest thing that couples argue about and tosses it out the window: Debt.
Filing Bankruptcy causes a court order to be issued immediately, it's a temporary restraining order called the Automatic Stay. It orders almost all creditors to cease collections. There are limited exceptions. For most creditors, if they know that you've filed a bankruptcy and continue collecting in spite of it, then that creditor is in wilful violation of the automatic stay. A creditor doesn't even have to know what the automatic stay is.
If a creditor willfully violates the automatic stay, it must pay your damages. If your car is repossessed wrongfully and you miss a day's work, your creditor owes you that day of pay. If the creditor not only knows about your bankruptcy but knows what the automatic stay really means, then that creditor may be required to pay punitive damages, & if the creditor doesn't know you've filed and takes your car, they still have to give it back!
Because the damages can be so severe for violation of the automatic stay, it means that bankruptcy stops foreclosure. If your house is foreclosed after your case has been filed, guess what, that creditor must un-foreclose it the following day.
If a creditor repossesses your car after your case is filed, even if the creditor didn't know that you have already filed your bankruptcy case, then the creditor must give you the car back.
When I first started out, a client who was getting a divorce, and was driving a car in her husband's name, had her car repossessed the day after her case was filed. Even though her name was not on the car, her community property interest in the car was protected by the automatic stay and within a couple hours, I had her car in my parking lot being dropped off at the creditor's expense.
If you've been to your bank and the accounts are all down to zero because of a bank levy, then your pay check is going to be garnished on your next pay day. It's time to file your Bankruptcy RIGHT NOW.
A Federally Recognized Debt Relief Agency
Nothing in this website may be construed as legal advice to any single individual or entity. Murrieta-Bankruptcy.com and all affiliated websites owned by Attorney David L Nelson are federally recognized debt relief agencies. Attorney David Nelson serves clients in San Bernardino, Riverside, Los Angeles, Orange and San Diego Counties. Copyright 2010 Bankruptcy Attorney David Nelson. All rights reserved.