Life is tough right now. Unemployment and mortgages are only the tip of the iceberg. Many people, although still employed, have lost customers, had pay cuts, or hour reductions. Some are on furlough, or they have lost the opportunity for overtime.

Others may be experiencing serious medical expenses, or a disability that is causing overwhelming debt that they can no longer manage.

Major companies, banks, and even government entities reorganize or otherwise use Bankruptcy laws to get a “fresh start." By legally eliminating debt (Chapter 7), or reducing the amount and extending the time to pay (Chapter 13), you also can get a fresh start, and obtain the debt-relief you are entitled to.

As an experienced and accomplished Redlands Bankruptcy & Injury Attorney, I am committed to delivering personal and effective service to my clients, and helping to resolve their legal issues. My firm listens to our clients’ concerns, and takes pride in providing the best client experience available.

Contact my firm today if you need legal assistance with any of the following:

• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Foreclosure Prevention
• Loan Modification
• Avoiding Garnishment
• Avoiding Repossession
• Stop Creditor Harassment
• Stop Lawsuits
• Erase Credit Card Debt
• Rebuild your Credit
• Court Protection

My firm also provides experienced Personal Injury Representation.

If you have been injured as a result of the negligence of another, and the person at fault or their insurance company is refusing to provide you with fair compensation for your medical expenses, loss of earnings, and loss of quality of life, my firm can help.

With over 28 years of experience in personal injury law, I will represent your interests, and fight to protect your legal rights. At no risk to you, my firm will analyze your personal injury claim, and provide legal representation on a contingency fee basis.

Contact my firm today if you or a loved one has been injured and needs legal assistance with any of the following:

• Auto Accidents
• Uninsured Motorists
• Premises Liability
• Slip and Falls
• Dog Bites
• Defective Products
• Homeowner Liability

My firm provides a caring & courteous staff, direct access to your attorney, well educated professionals, and an office that truly wants to help you & your family. We will take the time to explain things to your satisfaction, promptly return your phone calls, and ensure that all of your concerns are addressed. Call us today, and let us show you how we can help.

If you or someone you know needs the assistance of an experienced Bankruptcy & Injury Attorney, call M. Wayne Tucker today at 909-255-6900 or 951-290-7382, or complete the contact form provided on this site to schedule a free consultation. Se Habla Español.

Practice Areas and Legal Definitions

Every year, more than 1,000,000 Americans file for protection under Federal bankruptcy laws. Although some bankruptcy claimants are deemed as credit abusers and/or considered financially irresponsible, many hardworking individuals and businesses can succumb to financial difficulty, and face irreparable economic crisis. Bankruptcy is designed as a legal option to help resolve such a crisis, and act as a financial life preserver for those drowning in debt. To discuss your bankruptcy options, or other areas of recourse that might be available to you, contact a qualified bankruptcy attorney who can advise you of your legal rights as stated under Bankruptcy Law and federal Bankruptcy courts.

Bankruptcy Laws:
Bankruptcy is a federal court process designed to help individuals and businesses eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcies can generally be described as liquidation or reorganization. Under a liquidation bankruptcy (Chapter 7), a debtor files to eliminate debt through the bankruptcy court. Under a reorganization bankruptcy (Chapter 13), a debtor files a plan with the bankruptcy court proposing how to repay creditors.

In 2005, the requirements under which a debtor could file Chapter 7 bankruptcy changed with the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act.  Debtors are now required to seek budget and credit counseling within six months of filing, financial “testing” is required to determine the debtor’s capacity for debt repayment, Chapter 7 cannot be filed if the household income is greater than the median household income as deemed by the state, and state exemptions cannot be applied unless the debtor has resided at current residence for over two years.

Due to the imposed requirements for Chapter 7 bankruptcy as set forth by the new laws, debtors who were eligible to file under Chapter 7 may now have to file under Chapter 13 bankruptcy instead, in which individuals and creditors agree to a court-imposed plan that requires some or all debts be repaid over five years, with an appointed trustee assigned to monitor the repayment process. Bankruptcy filings will continue to be recorded on an individual’s credit report for seven years in the case of Chapter 13, and up to ten years for Chapter 7.

Chapter 7:
Chapter 7 cases are commonly referred to as straight bankruptcy or liquidation cases, and may be filed by an individual, corporation, or a partnership. A Chapter 7 bankruptcy case does not involve the filing of a plan of repayment as in Chapter 13. Instead, the bankruptcy trustee gathers and sells the debtor's nonexempt assets and uses the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors. In addition, the Bankruptcy Code will allow the debtor to keep certain "exempt" property; but a trustee will liquidate the debtor's remaining assets. Accordingly, potential debtors should realize that the filing of a petition under Chapter 7 may result in the loss of property.

Chapter 13:
A Chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. Chapter 13 permits individuals to keep their property by repaying creditors out of their future income.  It is not available to corporations or partnerships. After completion of payments under the plan, Chapter 13 debtors receive a discharge of most debts.

Foreclosure:
Foreclosure is the legal proceeding in which a bank or other secured creditor sells or repossesses a parcel of real property (immovable property) due to the owner's failure to comply with an agreement between the lender and borrower called a "mortgage" or "deed of trust". Commonly, the violation of the mortgage is a default in payment of a promissory note, secured by a lien on the property. When the process is complete, it is typically said that "the lender has foreclosed its mortgage or lien".

A Foreclosure by Sale ends in the posting of a sign advertising the auction of your home on the sale date. The only ways to stop a foreclosure are full payment of the arrearage, or the filing of a Chapter 13 bankruptcy. Full Payment: If you are able to obtain and tender the full amount of your arrearage, including fees and costs, you can stop the foreclosure of a standard residential mortgage. Most people lack the money to make full payment. This process stops the foreclosure and allows you to repay your arrearage over a three-to-five year period. The arrearage is paid through a court-appointed official, while you resume your regular monthly payments to the bank in order to keep your home. A Chapter 13 can be filed at any time prior to the law day or sale date, and it is often the only avenue to save your home.

Debt Consolidation:
Contrary to popular belief, debt consolidation is not a loan. Debt consolidation is a process in which debt is restructured into one low monthly payment. It further enables a consumer to reduce the amount owed and thereby eliminate interest. Very often a consumer can detect warning signs of being in too much debt long before any collection notices are received. If more than two of the following signs apply to you, you are probably in too much debt:

• You have begun charging to your credit card essential expenses like food and daily expenditures
• You are making only the minimum payments on your credit cards each month
• You are near the limit of your credit cards
• You have too many credit cards
• You are unsure how much money you owe creditors

If you or someone you know needs the assistance of an experienced Redlands, California Bankruptcy & Injury Attorney, call M. Wayne Tucker today at 909-255-6900 or 951-290-7382, or complete the contact form provided on this site to schedule a free consultation.

Practice Areas and Legal Definitions

Automobile Accidents:
A car accident is a collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings and trees. Sometimes a car accident may also refer to an automobile striking a human or animal. Car accidents — also called traffic collisions, auto accidents, road accidents, personal injury collisions, motor vehicle accidents and crashes — kill an estimated 1.2 million people worldwide each year, and injure about forty times this number.

Other Vehicle Accidents:
Legal claims that arise from vehicle accidents are typically governed by the law of negligence.  Any individual who negligently operates a motor vehicle may be required to pay damages to an injured victim.  A personal injury case involving a vehicle accident may become formalized through civil court proceedings or may be resolved through an informal settlement before a lawsuit is filed. 

Vehicle accidents can include:

• ATV accidents
• Bicycle accidents
• Bus accidents
• Motorcycle accidents
• Pedestrian accidents
• Semi-tractor trailer accidents
• SUV rollover accidents
• Truck accidents

The surviving family members of a fatally injured accident victim may be able to bring wrongful death charges against the defendant.

Truck Accidents:
Truck accidents are usually much more complex than car accidents, and as roadways are becoming more and more crowded, truck accidents are occurring more frequently and involving a multitude of drivers. Truck accidents can occur due to reckless driving, mechanical failures, oversized/overloaded trucks, inexperience of the truck driver, driving in bad weather, and truck driver fatigue, and can result in truck/vehicle rollover, jack-knife, or head-on and rear-end collisions. Laws and regulations are specifically designed to protect motorists from the negligence of the truck companies and/or truck drivers. A person who is injured in a truck accident, or has lost a loved one due to wrongful death caused by a truck accident, can sue the persons or party at fault.

Spinal Cord Injury:
Spinal cord injury (SCI) occurs when the nerves within the spinal canal are damaged.  Most SCI's are caused by trauma to the vertebral column, affecting the spinal cord's ability to send and receive messages between the brain and the body's systems that control sensory, motor and autonomic function.  Motor vehicle accidents are the leading cause of SCI, followed by acts of violence, falls, sports injuries and diseases such as polio, spina bifida and Friedreich’s Ataxia.  The spinal cord does not have to be severed in order for a loss of functioning to occur. In fact, in most people with SCI, the spinal cord is intact, but the damage to it results in loss of functioning.   

Traumatic Brain Injury:
Traumatic brain injury (TBI) is a medical phrase used to describe the damage to the brain suffered by sudden impact or physical force to the head.  Essentially, the human brain floats in a fluid substance called cerebrospinal fluid.  TBI can result when the force of momentum causes the brain to impact against the skull.  This type of injury, often the result of hitting your head on the windshield, pavement or object, is frequently referred to as a “closed head injury.”  Whiplash can also cause TBI.  These closed head injuries can result in lasting physical and mental problems.

Burn Injuries:
People who have suffered and survived the agony of second, third and even fourth degree burns describe the pain they experienced as among the most severe of all traumatic injuries.  Personal injuries involving severe burns commonly result from explosions, premises fires, defective products, motor vehicle collisions, electric shock, as well as accidental exposure to harmful chemicals and radiation.

Slip and Fall/Premises Liability:
Slip and fall accidents can happen anywhere and can cause serious personal injury.  Most slip and falls happen in commercial settings, such as grocery stores, drug stores, office buildings, construction sites, gas stations and malls, but they also happen on private property.  Premises Liability accidents can include toxic exposure, animal attacks, swimming pool accidents and amusement park ride accidents.  In any event, there exist duties on the part of the property owners to maintain the property responsibly and avoid the existence of hazardous conditions.

Dangerous or defective conditions may be large or small, temporary or permanent.  Therefore, investigation of the claim is essential to a successful case.  Temporary conditions such as water on the floor of a grocery store, or snow and ice on the stairs of a restaurant need to be investigated quickly.

Construction/ On-the-Job Accidents:
Construction labor makes up one of the three most dangerous occupations in the United States today; each year producing thousands of debilitating injuries and wrongful deaths.  Factors that contribute to construction accidents include workers lifting loads with worn and weathered cables, working on elevated platforms without fall protection or wearing defective safety harnesses and lanyards, and/or working in trenches with improper benching and using outdated tools and equipment.  Farming and manufacturing accidents, as well as the oil and gas industry accidents can also cause serious injury and toxic exposure.

• Toxic Exposure: Due to the tremendous growth of corporate industry in the United States over the past fifty years, the number of dangerous, toxic substances in the environment has grown significantly.  Some toxic substances are shown to cause substantial injury to people, such as lead-based paint (linked to brain damage, especially in children), asbestos (linked to lung cancer and restrictive lung disease), dry cleaning and other solvents (linked to brain damage and major organ damage), pesticides such as dioxin and DDT (linked to birth injuries) and toxic landfill waste (linked to leukemia).

Dog/Animal Bites:
Every year, millions of Americans are bitten by animals.  Being attacked by a dog is an extremely stressful event. Many dog bite injuries leave scars and have lasting emotional effects.  In every state, a dog owner is liable for bites to people inflicted viciously by a dog that previously bit a person viciously, or that were inflicted pursuant to the command of the dog owner.

In almost all states, a bite victim can recover compensation from a person whose negligence caused the attack and from a person who violated a leash law, a trespass law applicable to dogs or other dog safety laws.  The owner or keeper of a dog is strictly liable for his or her dog, even if it is the first time the dog has injured someone.  As long as the injured victim was not trespassing, teasing or tormenting the dog, the keeper or owner of the dog is liable for any injuries sustained.  Compensation for a dog bite can include payment for medical bills, pain & suffering, mental anxiety, fear and scarring.

Insurance Claims:
Insurance claims are a notice for reimbursement from an insurance company when the insured has suffered a loss that is covered under the insurance policy. Insurance companies cannot refuse to pay a customer's claim without "reasonable justification."  This means that an insurance company must engage in a reasonable investigation and pay legitimate claims in a timely manner.  If an insurance company fails to handle its customer's claim properly, it may be held accountable for resulting economic losses, including lost wages, interest on money the insured borrowed to cover expenses while insurance benefits were wrongfully withheld, and loss due to damaged credit.

Nursing Home Abuse & Neglect:
Americans are living longer than ever before.  The fastest growing segment in the United States is the elderly population.  As a result of this demographic shift, many elderly Americans have become residents of nursing homes during their final years.  As many of these nursing homes are under-funded and understaffed, a disturbing incidence of neglect and abuse is being reported.  Injuries sustained by nursing home residents due to neglect and abuse often involve the inappropriate use of physical restraints, joint contractors, overuse of sedatives, unnecessary use of urinary catheters, loss of mobility, pressure sores and lack of nutrition with weight loss.

Defective Products:
Products liability refers to a manufacturer or seller being held liable for placing a defective product into the hands of a consumer.  Products liability cases may include defective or poorly designed machinery, tools, motor vehicle defects, recreational products, pharmaceuticals and other defective products and equipment.  A person injured by a defective or dangerous product may be eligible to file a lawsuit for product liability.  Damages can be recovered under one of the following categories:  strict products liability; negligence or breach of warranty.   

Wrongful Death:
A wrongful death occurs when a person is killed due to the negligence or misconduct of another individual, company or organization.  A legal action for wrongful death belongs to the decedent's immediate family members, usually a surviving spouse and children, and sometimes parents.  Under certain circumstances, unrelated minor children living with and supported by the decedent may also bring a claim for wrongful death.  In order to bring a successful wrongful death cause of action, the following elements must be present:

• The death of a human being caused by another's negligent or intentional conduct.
• The survival of family members who are suffering the loss of financial support, love, care, comfort, supervision, guidance, household assistance and general society previously provided by the deceased.

The general rule in wrongful death cases is that one is entitled to recover both economic and non-economic damages which are suffered as a result of the loss of a loved one.  Economic damages in a wrongful death case include an award for the financial contributions which the decedent would have made to his or her spouse, children and/or parents had he or she survived.  It also includes the recovery for funeral service expenses in memory of the decedent and for burial cost.  Non-economic damages include loss of love, society, companionship, comfort, affection, solace or moral support. 

If you or someone you know needs the assistance of an experienced Redlands, California Bankruptcy & Injury Attorney, call M. Wayne Tucker today at 909-255-6900 or 951-290-7382, or complete the contact form provided on this site to schedule a free consultation.

Attorney M. Wayne Tucker

Mr. Tucker was born and raised in Southern California. After graduating from Corona High School, he spent two years in Central America before enlisting in the Air Force. He married his wife, Judi, in 1971 just before joining the Air Force from which he was honorably discharged in 1974. With the support and encouragement of Judi and their four kids, he began law school and graduated in 1980. In late August 2009, after 28 years of personal injury defense experience including the last 14 as a managing attorney at a major insurance company, Mr. Tucker opened a small local law office in Redlands. In a short time, and with the help and association of excellent local attorneys and staff, the office began representing clients dealing with civil and personal injury claims and criminal charges.

Soon thereafter, the office was also helping clients seek debt relief under the Bankruptcy Code and therefore became a “debt relief agency” as defined by the code.

Mr. Tucker is an Alternative Dispute Resolution attorney for civil cases. The office serves all of Southern California but is proud to focus efforts on the Inland Empire.

In addition to the practice of law, Wayne enjoys mountain biking and has biked many mountain trails in the Western United States. He recently became a four wheel drive enthusiast, and enjoys revisiting many of his favorite mountain bike spots but now with an engine, air conditioning, and satellite radio. Wayne and Judi enjoy a considerable amount of time as cheering fans at their 8 grandkids' soccer, little league and other activities and performances.

• Jurisdictions Attorney is Licensed in: All of the State of California Courts, and U.S. District Court for the Central District of California
• Date Admitted to the Bar: May 29, 1981
• Colleges Attended, Degree & Year Graduated: Fullerton College, A.A. Business Administration, 1976; Western State University College of Law, Fullerton, B.S., 1978; J.D. 1980
• Professional Memberships & Achievements: San Bernardino County Bar Association, Board Member and Past President (2006-2007), Joseph B. Campbell Inns of Court.
• Foreign Languages Spoken: Spanish