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About me

I graduated from the University of Colorado School of Law in 1999, took and passed the Bar Exam on my first test, and was admitted to practice by the Colorado Supreme Court in Oct. 1999. Prior to that time, I had graduated from Claremont McKenna College with a Bachelor of Arts (Hons) in Philosophy. I grew up in Green Bay, WI then moved to Scarsdale, NY, went to Rye Country Day School in Rye, NY and then to the Anglo American School of New York in Manhattan.

My father Fred S. Terner died when I was 15 years old, and my mother was not a financial maven, so I only did undergrad and law school in my 30's, and know more than most lawyers what real life is all about. Not having spent years in ivory towers helps inform  me about the difficulties you may confront in life, and allows me insight into your possible resolution sets.

I lived overseas for over 10 years, then returned to the States, looked for and found a pre-business, pre-law private college (CMC) and then, as I was interested in Environmental Law, studied law in Boulder, Colorado. As I was an "adult student" I know the value of education and also have personal experience with student loans. So I knows how the bills pile up.

Originally working for a tech firm (that sent me to Hyderabad, India) after law school, I hung out my shingle after that firm went south. My friends at that firm became my first clients, and I worked with start-ups and sadly, also worked on a number of divorces. T

hat laid the groundwork for my present foci. Some of my techie friends had to declare bankruptcy and I helped them through that process. Others got divorced, or had post-decree divorce work (child support/custody and maintenance) that needed to get done. Many created start-ups and I worked with them to create, grow and nurture their business entities.

I have helped hundreds of Coloradoans file for Chapter 7 Bankruptcy. Lately I spent 3.5 years in Singapore and just returned to Colorado in November 2010 to help American clients. In Singapore, I joined my "beshert", a lovely scuba diver from Malaysia whom I had met while diving off the coast of Thailand, and who is working as a physician in Singapore. We married in 2008 and are the extremely happy and proud parents of a gorgeous little baby girl.

I pride himself on offering affordable legal services, and do not believe that legal representation should only be for the rich. Therefore, I offer extremely competitive and reasonable flat fee agreements for services in Bankruptcy. My hourly fee for family, business (civil) and estate work is kept below the industry average for attorneys of my experience, so that people without great means can avail themselves of the protection of legal counsel. Documents like Wills, Demand Letters and the like are offered at Flat Fee cost.

I was just admitted to the New York Bar in Oct. 2012, the probationary suspension by the CO Bar (due to a client from 2006-7 who waited until 2011 to complain, at which time I had no evidence to defend myself), of one month notwithstanding.


Languages spoken: Hebrew, French, English

Practice areas


  1. Chapter 7: 80%
    16 years, 345 cases
  2. Commercial Real Estate: 10%
    16 years, 83 cases
  3. Family: 10%
    16 years, 35 cases



Fixed (sometimes), Retainer (always)

Payment types:

Cash, Check

Attorney endorsements

2 total 

Are you an attorney? Endorse this lawyer

  • Christopher Daniel Leroi

    Mr. Terner is an exemplary attorney who I would recommend to everyone and anyone. Hiring him might very well be the best decision that you have ever made. His answers on Avvo are perfect. I have practiced for 24 years as a judge, magistrate, prosecutor, and private attorney and he is one of the best I have encountered.


    Christopher Leroi Mediation Attorney
    Relationship: Fellow lawyer in community

  • Jody Marie Mcguirk

    Very astute and knowledgeable attorney. If I was dealing with a bankruptcy personally I would have David Terner as my attorney.


    Jody Mcguirk Criminal defense Attorney
    Relationship: Fellow lawyer in community

Contact info

10200 W. 44th Ave
Ste 433
Wheat Ridge, CO, 80033


NYCurrently registered 201203/07/2016

Professional misconduct

This lawyer was disciplined by a state licensing authority.

  1. Suspension Stayed placed on Probation
    issued in CO, 2012


    Suspension stayed means the attorney has been disciplined, but that the suspension is placed on hold (and ultimately removed) if the attorney complies with probation requirements.

Avvo contributions
Legal answers
Award nameGrantorDate granted
Dean's ListClaremont McKenna College1994
CMC Distinguished ScholarClaremont McKenna College1993
Dean's ListS.U.N.Y. at Stonybrook1992
Sigma Beta Honor SocietyS.U.N.Y. at Stonybrook1992
Work experience
TitleCompany nameDuration
AttorneyTerner Legal Counsel, P.C.2010 - Present
AttorneyBeaumont and Sons at Clyde & Co2008 - 2008
AttorneyTerner Legal Counsel, LLC2002 - 2008
AttorneyTanning Technology, Inc.2001 - 2002
Association namePosition nameDuration
Denver No. 5 Masonic LodgeMember2005 - 2011
Columbine Lodge #147 AF&AMRaised Member2002 - 2005
Colorado Bar AssociationMember1999 - 2011
Phi Alpha DeltaMember1991 - 1999
Legal cases
Case nameOutcome
The Telephonic Apperance from DOCSuccessful Discharge
A mystery bank account appearedTrustee returned bank account to mother.
Chapter 13 nightmareCase Voluntarily Dismissed by Debtors
See all legal cases 
School nameMajorDegreeGraduated
University of Colorado School of LawLawJD - Juris Doctor1999
Claremont McKenna CollegePhilosophyOther - Bachelors1995
Rye Country Day SchoolN/AHigh School1978
Anglo American School of New YorkN/AHigh School Diploma1978