Bankruptcy Attorney Riverside
BankruptcyThe Numbers Don't Add Up
Chapter 7 Bankruptcy Attorney Riverside
BankruptcyWhen Enough Is Enough
Chapter 13 Bankruptcy Attorney Riverside
BankruptcyLaws Designed To Protect
Riverside Chapter 7 Bankruptcy Attorney
BankruptcyFinally ... A Stress Free Day


There is no reason to feel "guilty" for having to file for bankruptcy.

Filing for bankruptcy protection is NOT an indication of permanent failure or of dishonesty, and is often most HONEST approach to handling a financial crisis than other options.

Things happen; therefore congress enacted laws that are designed to benefit YOU, your creditors, businesses, and the economy. This is accomplished because the laws attempt to provide a way for persons and businesses to continue on as normally as possible instead of experiencing such a blow that they are unable to any longer make any worthwhile contribution to national commerce.

A person needing to file for protection in Riverside California should

He or she should instead seek out an Experienced Bankruptcy Attorney that is known to thoughtfully review each client's individual circumstances and assist that client accordingly.

Do not get "talked into" legal services that you do not need! Many people are talked into filing for Chapter 7 Bankruptcy protection by large "Bankruptcy Mills" when it may not be in their best interest. If you are underwater on your mortgage; that is, you owe more on your home loan than your home is worth, filing may not be your best option. If your mortgage is your only substantial debt, there are other methods by which you can fix this problem without going through the experience of filing.

Choosing the right bankruptcy attorney in Riverside. If you go to meet with a lawyer about your issues and you are met by a receptionist behind a glass barrier that hands you a long form to complete; that requires all of your personal and financial information BEFORE you ever meet with a real attorney, you may want to run.

It is not uncommon for a person who files for bankruptcy to think everything is going to be fine; but are rudely surprised when they attend their meeting of creditors and the court ends up taking from them all of their money and other property. Most attorneys who run "Bankruptcy Mills" do not even know the client or the client's information. There are many times when we have seen attorneys show up in court and not even recognize their own client. If the attorney does not familiarize themselves with the client, and allows their paralegal to do all the work, the entire process ends up being more stressful and damaging to the client. It has been common for us; to have a person contact us who is frustrated with their bankruptcy lawyer because they are not giving them the one-on-one attention needed to ensure that their experience is a good one.

An attorney who states "That's ALL We Do" may not be equipped to do little more than try to talk you into filing a bankruptcy in order to fix your real estate debts; because that is "What They Do" and nothing else. They do no profit by explaining to you all the options available, so they often are not interested in meeting with you UNLESS you are going to actually file. Choosing an attorney that has the Experience necessary to fully inform you of ALL of the options available to you is VERY important.

There are a FEW bankruptcy attorneys who do nothing but bankruptcies, who are good, and who will not conduct themselves in this unprofessional manner... BUT only just a very few.

Bankruptcy law has undergone some changes lately. Filing has become more difficult than in the past due to the recent changes in the law. Many may not easily qualify for protection when in the past they would have. However, if you speak to an Experienced attorney, you will be pleasantly surprised at what options may be available to you by either filing or by using other strategies to manage or control your financial matters. What about those Low Cost Firms that advertise everywhere? Do not get fooled by the "Bankruptcy Mills" that offer filings for just a few dollars. Most of the time the advertised fee is not an honest representation of the total fees you will need to pay using an actual lawyer. When looking for lawyer, choose one that is up front regarding the TOTAL cost of filing. $100 dollars down will get you nowhere.

The "Free Consultation" sales gimmick. You get what you pay for. In most cases, the "free consultation" is simply a sales ploy to get you into their office so they can obtain your personal information and determine how to sell you on using their services. In more cases than not, information obtained in free consultations is not enough to prepare you to handle your legal matters. For useful, legal assistance, you will need to pay for it. Instead of a "free consultation", it is easier and quicker to spend a few short moments on the phone with a lawyer so he or she can provide you with all of the initial direction you may need to determine whether or not you need a lawyer and if the lawyer with whom you are speaking is the one for you...and that short communication should be FREE!

Probate Law &
Estate Planning

Probate Attorney Riverside California
What is Probate?
Probate is a procedure that is designed to Protect against Improper use of the assets of the estate of a deceased person, by insuring it is Properly distributed according to Law, or the Will of the recently deceased.

It is a court procedure whereby the distribution of a person's assets after death is supervised and controlled. During the process, it is required that certain parties, usually family members and / or those named in the Will (if a Will exists) receive copies of most documents filed with probate court for their review.

What is Estate Planning?
Estate Planning is a course of action aimed at ensuring that your wishes for your personal care and for your finances are followed in the event you are incapacitated or upon your death.

IRS & California
Tax Law Help

IRS or FTB Tax Law Problems-Issues?
IRS or FTB Tax Law Problems-Issues?
California has many agencies that collect taxes: the Franchise Tax Board "FTB", the Employment Development Department "EDD", the State Board of Equalization "SBE", and more.

All of these agencies have broad powers given to them by law to collect taxes. They zealously seek out those they feel owe taxes and are relentless in their efforts to collect them. These agencies are resolved to be taken seriously and their actions indicate so.

Whether you feel that you owe IRS or FTB taxes, or not, if you receive any correspondence or other communication from them, you should promptly address the matter and enlist the assistance of a professional, especially if the amount at issue is large or if there are threats of criminal proceedings.

David DL Horton, Esq., EA


“ BEST Short Sale and Bankruptcy Attorney! I cannot express to you how much stress I DO NOT HAVE... Thank You David!...”
Eric C.

Legal Disclaimer

The information you obtain at this site is not, nor is it intended to be, legal advice.

You should consult an Attorney / Lawyer for individual advice regarding your own situation. Nothing contained on these pages should be interpreted as establishing an attorney-client and/or lawyer-client relationship through HortonEsq . com with the Law Offices of David DL Horton & Associates.

IRS Circular 230 Disclosure:
As required by U.S. Treasury Regulations, you are hereby advised that any written tax advice contained in this communication was not written or intended to be used (and cannot be used) by any taxpayer for the purpose of avoiding penalties that may be imposed under the U.S. Internal Revenue Code.

Furthermore, the contents of this website are neither intended to be, nor should be, construed as either legal OR tax advice. Each individual's circumstances are unique. This site contains general and overall discussions, and as such, the content of this site is not intended as definitive legal or tax advice that would apply to any particular person. Those who view this web site should seek advice from an independent tax advisor with respect to their particular transaction or matters that is based on the reader's particular circumstances. You must have your particular financial and tax situation personally reviewed by a tax professional or attorney in order to obtain tax or legal advice upon which you can rely.