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small business bankruptcy

Time Running Out On Dynamite Business Reorganization Opportunity

Mortgage Matters

What’s After Forbearance

Last spring, the CARES Act entitled everyone with a federally backed home mortgage to a forbearance of 6 months, extendible for another 6 months. 15 USC 9056. The end of the mandated forbearances is approaching for many. But the law provides no clue as to what comes after forbearance. Fannie Mae (the Federal National Mortgage […]

Mixed Bag

Free Bankruptcy Advice: 5 Reasons Why I’m Not Free

Can Your Business Survive The Pandemic?

Bankruptcy Questions Have Few Quick Answers

Unfiled Tax Returns Are A Life Sentence

Three Barriers To Getting Out Of Debt

Strictly California

California Debtors Have Expanded Debt Collection Rights

California outdoes the rest of the country in its debt collection rights for consumers. Debt collectors have noticed the growing understanding of debtors about their rights to fair debt collection. And they aren't happy. The Federal law Fair Debt … Read Full Article

spouse's debts

Are You Liable For Your Spouse’s Debts In California?

"Everyone knows" that California's community property law makes you liable for spouse's debts. Only, "everyone" is wrong. Or, more accurately, they're only half right. Community property is liable for everything In California, the community property is … Read Full Article

property upon death

California’s Good Deed: Passing Real Property At Death

The horror stories about do-it-yourself estate planning are both plentiful and tragic. Between the fear of probate and the fear of legal fees, inventive people invent inexpensive strategies for passing property to the next generation. Adding someone to the … Read Full Article

Coronavirus & Your Finances

About The Soapbox

You've arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said "try").

Here, I allow myself to tell stories and express strong opinions on how I think law should work for the consumer and small businesses when it comes to debt.

Moran Law Group
Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

How Bankruptcy Works

High Income Earners Pass Bankruptcy’s Means Test

ALERT:   Being above the median income on the means test is not an automatic bar to filing bankruptcy I'm so used to railing against deliberate campaigns of misinformation about bankruptcy that I forget that there's a lot of innocent ignorance out there. Start with "qualifying" for bankruptcy. A very … Read more

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