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...
View ArticleI 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...
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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...
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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.
View ArticleCity 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...
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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?...
View ArticleDebt 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...
View ArticleDebt 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...
View ArticleTemecula 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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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6 Sneaky Things Collection Agents Do in Lawsuits to Get You to Lose Without a...
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...
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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...
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Why You Should Use Chapter 13 to Consolidate Your Debts When You Have a...
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. If your...
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10 Reasons Why Chapter 13 is Better than Debt Settlements When You Owe a Lot...
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...
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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...
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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....
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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 about debt...
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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...
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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...
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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 If...
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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...
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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...
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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...
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Credit Repair
People constantly ask about credit repair, and instead of closing your ears and ignoring the problem, it’s something that you should look into beforehand. Before you’re about to buy a car or before...
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