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There are currently 774 posts on this blog. To make it easier for you to find what you’re looking for, feel free to browse the archives below.

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  • March 2023 (9)
    • 20: California drivers score huge bankruptcy win
    • 18: Is There Life After Bankruptcy?
    • 15: What’s Your Retirement Theme Song?
    • 08: Pay No Tax On Debt Discharged In Bankruptcy (3)
    • 06: Find The Hidden Mortgage Interest Tax Deduction In Bankruptcy
    • 06: The Difference Between Good Bankruptcy Lawyer and Great Bankruptcy Lawyer (0)
    • 04: Pay Off Credit Cards Without Interest: Bankruptcy For The Solvent
    • 01: No House, No Discharge When Chapter 13 Goes Off Script
    • 01: How Much Should You Pay To Get Out Of Debt? (0)
  • February 2023 (13)
    • 25: What Happens To Your Bank Account in Chapter 13
    • 23: Going To Court In Your Bankruptcy Case (1)
    • 22: Why File Bankruptcy? It’s Your Life Expectancy
    • 22: How Many Collection Calls Is Too Many
    • 22: Your Tax Refund Is Exposed In Bankruptcy, Unless…
    • 20: More Californians Eligible For Expanded Pandemic Mortgage Relief Grants
    • 08: Women win new protections in California exemption law
    • 08: When Your Bankruptcy Discharge Doesn’t End Your Case (0)
    • 07: Tax Deductions Hidden In Chapter 13 (4)
    • 07: Double Dipping On Retirement Savings
    • 03: No More Lawsuits On Old Debt In California
    • 02: Do You Get The Bankruptcy Grubstake Exemption? (1)
    • 02: When Can I File Bankruptcy Again
  • January 2023 (19)
    • 30: Getting Excused From Bankruptcy’s Means Test (0)
    • 30: New California Homestead In Action
    • 30: At Risk of Repossession? How To Keep The Car & Pay Less
    • 28: Californians Can Now Keep Their Cars After Bankruptcy Without Reaffirmation
    • 27: Bankruptcy Busts Taxes If The Timing Is Right
    • 26: Has Your Social Security Number Been Suspended?
    • 26: Which Spouse Is Liable For Debts In California
    • 26: How To Pay For Bankruptcy When You’re Flat Broke
    • 18: How To Pick A Bankruptcy Lawyer
    • 18: How To Save Your House After Filing Bankruptcy
    • 17: Stop Making Quarterly Tax Payments (0)
    • 17: Do California Seniors Need to File Bankruptcy? (0)
    • 14: Understand Bankruptcy Basics Before You Need Them
    • 14: Co Signers Put Themselves In Creditor’s Crosshairs
    • 14: All You Need To Know About Bankruptcy Stay & Pending Litigation
    • 13: We Live In An Economic House Of Cards
    • 13: What Happens To Cash In Bankruptcy? (0)
    • 13: Out of Luck If You Skip A Creditor?
    • 06: Resolve To Thrive In The New Year (0)
  • December 2022 (22)
    • 30: Unicorns, Wookies, And Medical Bankruptcies
    • 29: Your Tax Refund In The Crosshairs In Debt Collecting Season
    • 29: Don’t Fall For Your Mortgage Lender’s Insurance (0)
    • 29: Cheat Sheet For Passing Bankruptcy Means Test
    • 29: When Is The Time Right To File Bankruptcy
    • 22: Cut Tax Penalties In Bankruptcy
    • 17: Hold Or Fold? How To Decide If Filing Bankruptcy Is Right For You
    • 17: How Does Your Household Budget Measure Up?
    • 13: Whopping exemption for CA 529 college accounts
    • 13: Bankruptcy Drives Credit Score Surprise
    • 13: Don’t File Bankruptcy In December
    • 13: The Real Rules To Sell Stuff Before Bankruptcy (0)
    • 09: Bankruptcy Discharge For One Spouse Yields Benefits For Non-filing Spouse
    • 07: Bankruptcy Questions Have Few Quick Answers
    • 06: The Biggest Lie About Bankruptcy
    • 05: The Worst Reason To Choose Debt Settlement Over Bankruptcy (0)
    • 04: The Bankruptcy Problem Your Lawyer Can’t Fix (0)
    • 03: Does Bankruptcy Bar Retirement Savings?
    • 02: Can You Spot The Signs Of A Collection Scam
    • 01: Get real information about what’s happening with your mortgage loan payments (0)
    • 01: Bankruptcy Without A Discharge: Why Chapter 20 Works
    • 01: The Essential Step To Get Your Day In Court (0)
  • November 2022 (16)
    • 24: What A Bankruptcy Lawyer Is Thankful For (0)
    • 19: 5 Things To Do When You Have Been Sued (0)
    • 19: Give More Than Thanks (0)
    • 17: The Secret Bankruptcy Discharge For Community Property (0)
    • 17: What Happens To Liens In Bankruptcy?
    • 17: Bail Yourself Out Of Payroll Tax Trouble
    • 15: Can Your Business Survive Tough Times?
    • 15: The Thousands That Sat In Mortgage Suspense Account
    • 10: California Consumers Have Powerful Debt Collection Rights (0)
    • 10: Get A Voodoo Discharge Without Filing Bankruptcy
    • 09: Bankruptcy Alphabet: H is for House (13)
    • 09: What Should Bankruptcy Cost? (1)
    • 09: Stupid Moves Before Seeing A Bankruptcy Lawyer (0)
    • 07: Your Vote, Your Voice
    • 01: Do I qualify for bankruptcy in the Bay Area?
    • 01: Pay Your Debts Or Go To Jail? (0)
  • October 2022 (13)
    • 28: Stay At Home Doesn’t Mean Get Left Behind At Retirement
    • 28: What’s So Scary About Bankruptcy? (1)
    • 25: Your Right To Credit Reporting After Bankruptcy
    • 19: When Your STBX Files Bankruptcy: An Action Plan
    • 19: California Bankruptcy Law Is All Our Own
    • 19: Separate Finances Doesn’t Protect Spouse From Financial Disaster
    • 18: Do You Need To Reaffirm Your Home Loan After Bankruptcy?
    • 18: Does Debt Discharged In Bankruptcy Stay Gone Forever? (0)
    • 11: How Long Does Bankruptcy Take? (0)
    • 11: Facing Foreclosure, You Need A Plan B
    • 10: Take Credit For The Tax Deductions That Hide In Chapter 13
    • 09: Wage Garnishment Survival Guide (0)
    • 09: 4 Compelling Reasons To File The Tax Return Even If You Can’t Pay
  • September 2022 (16)
    • 25: How to get copies of your bankruptcy papers
    • 23: Which Bankruptcy Chapter Is Right For Me?
    • 23: Does THIS Violate My Bankruptcy Discharge?
    • 20: The Unexpected Loss When Tax Returns Filed Late
    • 17: What You Left Out Of Your Bankruptcy Schedules (0)
    • 17: Debt Settlement Is A Dud (0)
    • 15: Six Tips For A Worry-Free Bankruptcy (0)
    • 12: Disarm The Debt Collector: Understanding The Weapons of Debt Collection
    • 12: What’s After Forbearance
    • 12: Who Files Bankruptcy In The Face Of Booming Bay Area Economy?
    • 07: What You Need To Know About Reaffirmation
    • 07: What You Think About Chapter 13 Is Dead Wrong
    • 05: Laboring Over Bankruptcy Papers
    • 04: Dumbest Thing For Those In Debt (0)
    • 04: What Is Really Scary About Debt Collectors (1)
    • 04: Three Reasons To Divorce Your Bank Before Bankruptcy (3)
  • August 2022 (12)
    • 24: 5 Essential Tips To Understand Your Mortgage Loan
    • 22: It’s Who You Owe In Bankruptcy (0)
    • 19: Asset Protection For Free
    • 18: Inclusion in Bankruptcy Doesn’t Equal “Discharged” (0)
    • 18: Can A Trust Protect You In Bankruptcy?
    • 12: Pay Down Debt Or Save? Which Should Come First
    • 12: Do I Have To File Bankruptcy Before There’s A Judgment? (0)
    • 12: How To Exclude A Debt From Your Bankruptcy Discharge
    • 07: Debt Collection Breakthrough Protection
    • 03: Five Ways To Bankruptcy Proof Your Divorce
    • 03: 7 Essentials For Better Results From Filing Bankruptcy
    • 03: Does My Bankruptcy Lawyer Need To Be From My City?
  • July 2022 (18)
    • 30: Are You Better Off With Bankruptcy? (0)
    • 29: Danger In Delaying Division of Property In CA Divorce
    • 28: Long Silent Second Mortgages: The Worrisome Truth
    • 28: Bankruptcy Alphabet: C is for Counseling (15)
    • 28: Step By Step Guide To Business Shutdown
    • 28: What Can Bankruptcy Do About Back Taxes
    • 23: Means Test Cheat Sheet 2: Taxes In Bankruptcy
    • 23: Inherited Homes Now Come With Full Measure Of Consumer Rights
    • 19: When Is Individual Business Owner Liable for California Sales Tax
    • 18: The Secret Alternative To Bankruptcy
    • 14: When Your Bank Account Is Seized: California Action Plan
    • 14: Why You Don’t Want A Bankruptcy Attorney To Fight For You (0)
    • 14: Pay Or Go To Jail Tops IRS List Of Tax Scams
    • 02: Can You Rescue Your Business With Chapter 13
    • 01: Know What You Really Owe: Your Mortgage Loan Rights
    • 01: California’s New Exemptions For Money In The Bank
    • 01: Two Strikes & You’re Out (Of Your Home)
    • 01: Bankruptcy Alternatives Cost More, Deliver Less (0)
  • June 2022 (8)
    • 27: Speak Fluent Bankruptcy: Guide To Essential Bankruptcy Terms
    • 23: Surefire Steps To Avoid Bankruptcy (0)
    • 11: How 13 Works To Save Your House From Foreclosure
    • 08: Chapter 13 Eligibility Greatly Expanded And Simplified
    • 04: California Community Property Creates A Marital Threesome (0)
    • 04: The Judgment Lien That Escaped Your Bankruptcy (0)
    • 04: What Does A Bankruptcy Lawyer Do For You
    • 04: Deal With Your Taxes After Bankruptcy
  • May 2022 (5)
    • 16: Damaged Credit Reports Heal (0)
    • 11: Dividing Debts At Divorce: What You Need To Know (0)
    • 10: Why Credit Cards Win Clash of Creditors (0)
    • 02: Protecting Your Co signor When You Can’t Pay
    • 02: Ignoring a Lawsuit Against You Is Seldom Ends Well
  • April 2022 (16)
    • 30: 7 Keys To Keeping Your House: Chapter 13 After You File
    • 29: 4 Rules For Testifying At Your Bankruptcy Hearing (0)
    • 27: California Homestead Grows With Inflation: Calculating The Homestead Increase
    • 26: How You Can Collect From The Debt Collectors
    • 23: What To Disclose In Bankruptcy Papers (1)
    • 20: Bankruptcy And Divorce Collide: The Threatened Filing
    • 14: Bankruptcy and “Ruining your credit score” (0)
    • 14: New Bankruptcy Trends From An Old Hand
    • 10: Before You List Your Home For Sale: The Essential First Task
    • 10: What Happens To My Stuff In Different Bankruptcy Chapters
    • 07: When Giving Isn’t Good (0)
    • 06: Debt Limits Increase For Chapter 13 Bankruptcy (1)
    • 04: Make Sure Your Mortgage Is Current At Bankruptcy’s End
    • 03: What Your Signature On Your Bankruptcy Papers Really Says (1)
    • 03: California Exemptions Increase for 2022
    • 02: Time Running Out on 2018 Tax Refunds
  • March 2022 (15)
    • 30: What happens in Vegas… (1)
    • 30: Are You Liable For Your Spouse’s Debts In California? (2)
    • 30: Who To Pay When There’s Not Enough Money To Go Around (0)
    • 25: Tax Tips & Tidbits To Pay Less
    • 19: How Much Is My Chapter 13 Payment
    • 18: Jailed For Debt In The USA? (0)
    • 17: Scammers Spoof IRS To Get Your Info
    • 15: Bankruptcy Alphabet: B Is For Business (11)
    • 12: Is A Free Bankruptcy Consultation Worth It? (0)
    • 12: The Most Costly Community Property Blunder (0)
    • 12: 10 Tips To Help You Keep Your House
    • 12: The Secret Bankruptcy Exemptions (0)
    • 04: How to Screw Up Your Bankruptcy (287)
    • 03: Chapter 13 Fixes Tax Trouble
    • 01: California Homestead Exemption: The Truth Isn’t What You Think
  • February 2022 (9)
    • 24: Mortgage Forbearance And The Hidden Gotcha: Escrow
    • 23: Annual IRA Contribution: Use It Or Lose It
    • 21: Will You Come Visit Me In Jail?
    • 16: SuperLawyer
    • 16: Bankruptcy Alphabet: Z is for Zillion (3)
    • 16: Find The Right Cure for Your Debt Problems
    • 08: Smoke, Mirrors, And Budgets: Are You Missing Where Your Money Goes (0)
    • 04: Consider The Clawback of Pre-bankruptcy Transfers Before Filing
    • 01: Does Your Corporation Really Protect You From Debt: A Checklist
  • January 2022 (3)
    • 15: Bankruptcy Schedules Are More Than Just Paperwork
    • 15: The Truth About Tax Liens After Bankruptcy
    • 01: Ten Best Bankruptcy Gems In 2021
  • December 2021 (5)
    • 31: Top Ten New Bankruptcy Soapbox Posts of 2021
    • 21: Closing Up Shop
    • 14: 3 Things That Prevent You From Getting Out Of Debt
    • 11: Pay Off Credit Cards At Zero Percent
    • 11: No Foreclosure If Loan Modification In Process (0)
  • November 2021 (8)
    • 23: Family Lawyer’s Cheat Sheet to Bankruptcy
    • 23: SBA Loans Collectible Long Past Business Failure
    • 18: Bankruptcy Is Not Your Last Resort
    • 15: Doing The Means Test Yourself (2)
    • 15: Life And Death of Debt In California
    • 05: Bankruptcy Alphabet: K Is For Keep (8)
    • 01: California Courts Provide On Line Help (0)
    • 01: Which Debt Collector Threats Should You Be Afraid Of?
  • October 2021 (5)
    • 22: Who Profits When Money Trouble Is Shameful? (0)
    • 17: Bankruptcy Changes Your Life, Only Not The Way You Think (2)
    • 16: DIK Remedies For Foreclosure Breed Bankruptcy Tragedies
    • 11: How To Write A Contract Without A Lawyer & Make It Stick (0)
    • 08: The New Rules Of Asset Protection (0)
  • September 2021 (5)
    • 28: Don’t Trust Anything Your Lender Says On The Phone
    • 28: California’s Good Deed: Passing Real Property At Death
    • 25: Reduce Your Tax Hit By Filing Bankruptcy Rather Than Settling Debts
    • 11: The Causes of Bankruptcy Aren’t What You Think
    • 11: Chapter 13 Keeps You In Control
  • August 2021 (13)
    • 24: The Risks Of Filing Bankruptcy For Your Corporation
    • 24: California Stimulus Checks Available Only When You File Your Tax Return
    • 22: Credit Scores Trend Upward After Bankruptcy
    • 17: Stressed Families Can Take A Card From Trump Casino (0)
    • 17: When Can I File Bankruptcy Again (0)
    • 17: Is It Too Late For Bankruptcy? (0)
    • 12: Bankruptcy Alphabet: R is for Retirement (4)
    • 12: When You Can’t Make Your Chapter 13 Payments
    • 11: Your Bankruptcy Discharge Has Teeth: Bite Back
    • 08: Bankruptcy Alphabet: O Is For Omitted (3)
    • 08: 4 Easy Tips To Prepare For Bankruptcy And Beyond
    • 03: What Happens If You Don’t Pay Your Debts (0)
    • 03: What Debts Were Discharged In My Bankruptcy? (1)
  • July 2021 (5)
    • 29: Get A Bankruptcy Discharge Even Without Making All Your Payments
    • 24: What Causes Bankruptcy? (1)
    • 24: Behind on car loan?
    • 15: Bankruptcy Debtors Entitled To Monthly Mortgage Statements
    • 14: California Garnishment Now Provides Greater Protection Of Wages (0)
  • June 2021 (9)
    • 30: Bouncing Back From Bankruptcy: The To-Do List
    • 23: Sloppy Mortgage Servicers Prey On Borrowers
    • 23: What The Wild Things Teach Us About Bankruptcy (3)
    • 14: Bankruptcy Disclosure: Don’t Let Orange Be The New Black (1)
    • 13: Free Tax Preparation Offered In Bay Area
    • 13: Turned Down For A Bank Account? Fight Back
    • 07: What’s Included In Bankruptcy? (2)
    • 03: List It Or Lose It: Why It’s Critical To Tell All (0)
    • 01: Right To Support When Your Ex Files Bankruptcy
  • May 2021 (11)
    • 31: Debt Collectors Distort Community Property Law (0)
    • 30: Automatic Stay Has Exceptions: It Doesn’t Stop Everything
    • 29: What’s Wrong With Most Get-Out-Of-Debt Advice
    • 28: What’s Up After Tax Extension To File? (0)
    • 28: Bankruptcy Judge – Umpire In A Robe? (0)
    • 23: Title Isn’t Everything: Watch Out For The Assets In Your Spouse’s Name
    • 23: Is Home Equity A Substitute For Retirement Savings
    • 08: Bankruptcy Judge: The Phantom In Your Case
    • 07: What Goldilocks Knew About Tax Season
    • 07: Forgiveness Starts At Home (1)
    • 04: Chapter 13 Discharges HOA Debt
  • April 2021 (4)
    • 29: Debts To The Government: Can They Be Wiped Out (0)
    • 07: Can You Be Arrested For Not Paying Your Debts?
    • 07: Little Time To Spare When Served With A California Lawsuit (0)
    • 02: Get Annual Credit Report For Free (0)
  • March 2021 (9)
    • 27: How To Wipe Out Tax Penalties In Bankruptcy (0)
    • 24: How to fight back against EDD’s Form 1099G
    • 23: Bank Account Safe From Credit Card Debt
    • 22: Bankruptcy Means Test: New Numbers, Little Impact For Bay Area
    • 20: Debts You Can’t Wipe Out In Bankruptcy
    • 20: The Strange Rules When A Creditor Is Left Off Bankruptcy Schedules
    • 20: 10 Top Tricks Of The Lending Industry
    • 18: $7000 Off The Price Of The Car In Chapter 13
    • 03: Bankruptcy Alphabet: E is for Exemptions (24)
  • February 2021 (5)
    • 26: Time Running Out On Dynamite Business Reorganization Opportunity
    • 24: Free Bankruptcy Advice: 5 Reasons Why I’m Not Free
    • 19: High Income Earners Pass Bankruptcy’s Means Test (0)
    • 15: When You Can’t Pay Your Bills Because Of The Virus
    • 12: Chapter 13: Know Who Gets Paid First Under Your Plan (4)
  • January 2021 (14)
    • 29: Scofflaws Must Pay When They Violate The Stay
    • 27: Unfiled Tax Returns Are A Life Sentence (3)
    • 25: How Chapter 13 Cuts Car Loan Down To Size (0)
    • 25: Three Barriers To Getting Out Of Debt
    • 22: Avoid Paying Taxes On That 1099 Form, Legally (0)
    • 19: Personal Assets Can Be At Risk For Your Business Debts
    • 15: What Everyone Knows About Bankruptcy: Not (3)
    • 15: Better Credit After Bankruptcy: Does Reaffirming A Car Loan Help?
    • 08: 10 Things Tax Professionals Need To Know About Bankruptcy (0)
    • 06: What’s New In Bankruptcy Law in 2021
    • 03: Is Bankruptcy In Your Future?
    • 02: California Only Middling In Protecting Families From Debt Collectors (0)
    • 02: What Your Bankruptcy Lawyer Can’t Tell You (0)
    • 02: California Gets New Homestead
  • December 2020 (7)
    • 23: Bankruptcy Alphabet: J For Justify (11)
    • 18: Life After Bankruptcy: What’s It Really Like?
    • 05: Six Rotten Excuses Not To File Bankruptcy (5)
    • 04: All I Want For Christmas Is A New Year And A Fresh Start
    • 01: Bankruptcy Discharge vs. Dismissal (0)
    • 01: Feds Offer Deferral Option For Home Mortgage Payments
    • 01: Cutting The Car Loan Down To Size
  • November 2020 (8)
    • 28: Better To Live With Debts Than File Bankruptcy? (0)
    • 21: 10 Must-Know Things About Money Judgments
    • 17: How Filing Bankruptcy Can Benefits Your Heirs (0)
    • 13: Planning For Bankruptcy: Keep Your Tax Refund (0)
    • 12: When Debt Collectors Won’t Stop, Despite Bankruptcy (0)
    • 10: Tax Liens Live On After Bankruptcy, Unless…. (0)
    • 10: Which Creditors Should You Really Fear? (0)
    • 03: Get A Deal On Your Car After Bankruptcy
  • October 2020 (5)
    • 26: The Most Powerful Debt Management Tool (0)
    • 18: 10 Things Every Attorney Should Know About Bankruptcy
    • 16: 10 Things Personal Finance Bloggers Need To Get Right About Bankruptcy
    • 16: California Homestead Works In Other States, Too
    • 04: Incorporating A Troubled Business: Work-around Or Worse? (1)
  • September 2020 (7)
    • 29: File bankruptcy tomorrow? (0)
    • 23: The Means Test: Badly Mangled (0)
    • 12: Ten Debts That Follow You After Bankruptcy
    • 11: How A Careless Bankruptcy Can Bite Your Family (0)
    • 10: The Easiest Business Loan In Town (0)
    • 06: Bankruptcy Discharge Slays IRS Form 1099
    • 02: Who Owns Your Business When You File Bankruptcy?
  • August 2020 (3)
    • 28: Mortgage Forbearance For Non-government Backed Loans
    • 19: What The Fool Got Wrong About Filing Bankruptcy
    • 06: Why Bankruptcy Means Test Is Paper Tiger In Bay Area (0)
  • July 2020 (6)
    • 23: When Is The Right Time To File Bankruptcy (1)
    • 23: Who Gets Grannie’s Cash – Grannie Or The Bankruptcy Trustee?
    • 21: Debt Collector Threats: Which Ones Are Real?
    • 18: Marital Separation Doesn’t Require Two Homes
    • 16: Myth Of The Corporate Credit Card
    • 06: Discharge Taxes in Bankruptcy: Move Beyond the Myth
  • June 2020 (5)
    • 24: New California Bankruptcy Exemptions
    • 18: Mortgage Payments During California Shelter-in-Place
    • 16: How Chapter 13 Saves You Money
    • 12: Should You Pay Your Creditors Rather Than File Bankruptcy? (0)
    • 06: Chapter 13 To The Rescue In Ruinous Business Lawsuit
  • May 2020 (8)
    • 24: Financial Fundamentals: Credit v. Debit
    • 20: Bankruptcy Alphabet: A Is For Assume (15)
    • 20: No Rush To File Bankruptcy
    • 14: How Creditors Spread Fear Of Bankruptcy For Profit (0)
    • 08: Who Gets A Slice Of The Bankruptcy Pie?
    • 08: Why I Love Chapter 13
    • 08: California Renter Protections From Eviction: How To Qualify
    • 07: The Fate of Second Homes In Bankruptcy
  • April 2020 (7)
    • 30: Bills I Gotta Pay, But There’s A Pandemic Out There
    • 23: Reaffirm Your Car Loan: The Bankruptcy Fight You Hope To Lose
    • 22: You Can Make Debt Collectors Stop
    • 21: Home Mortgage Forbearance: Will It Save Your Home From Pandemic?
    • 13: California Income Tax Deadlines Extended
    • 09: 7 Principles of California Community Property (0)
    • 02: Chapter 13 Bankruptcy Disrupted by Coronavirus
  • March 2020 (5)
    • 30: If You Can’t Make Your Car Payment During The Virus Shutdown
    • 25: IRS Pandemic Relief in Taxing Times
    • 17: Explaining The Increase In Monthly Mortgage Payments On Long Established Loans
    • 10: Bankruptcy Alphabet: Q is for Questions (4)
    • 03: Free Bankruptcy Advice: Consider The Source (3)
  • February 2020 (7)
    • 20: Incorporating Your Business Has Surprise Benefit (0)
    • 20: V Is For Value In Bankruptcy Alphabet (2)
    • 18: Keep Your Tax Refund Through Your Bankruptcy (0)
    • 13: Be Prepared When You File Bankruptcy Without Your Spouse
    • 10: Skip Bankruptcy’s Means Test
    • 10: Got A 1099? How To Avoid Paying More Tax (0)
    • 05: Old Tax Liability Discharged In Bankruptcy, If…. (0)
  • January 2020 (1)
    • 02: Caution: Freedom Debt Relief
  • December 2019 (5)
    • 30: Best New Bankruptcy Insights Of 2019
    • 28: 2019 Reader Favorites From Bankruptcy Soapbox
    • 27: Retirement Nest Egg: Ostrich Egg Or Quail Egg?
    • 11: Can Your Creditor Get A Lien On You? (0)
    • 09: In Debt? Plan For Holidays And A Better New Year (0)
  • November 2019 (5)
    • 30: Can You Get A Car Loan After Bankruptcy? (1)
    • 09: The Parent School Loan
    • 08: The Foreclosure That Was Longer Than War & Peace
    • 01: Debt Can Kill You If You Let It (0)
    • 01: How To Spend Money Before Filing Bankruptcy (0)
  • October 2019 (4)
    • 28: The Real Threat To Your Retirement Savings Isn’t Bankruptcy (0)
    • 25: Pay Off Credit Cards Without Interest And Be Debt Free (2)
    • 07: Five Tax Tips For Two Cents
    • 05: Do It Yourself Bankruptcy Software Is A Trap
  • September 2019 (3)
    • 26: How Consumer Remedies Were Gutted By Little- Noticed Tax Code Changes
    • 23: The Tax Deduction No One Tells You About (0)
    • 17: Who To Pay After Bankruptcy
  • August 2019 (4)
    • 24: Chapter 13 Dismissed After All Payments Are Made: Self Inflicted Wounds
    • 10: Collection Law Suits in California (1)
    • 01: Collection Suits and Court Dates (0)
    • 01: Why Even Rock Solid Marriages Need A Prenuptial Agreement
  • July 2019 (6)
    • 22: When $400 Emergency Pushes You Over The Edge
    • 18: Debt Buyers Barred From California Courts (0)
    • 13: Cheapskate’s Guide To Asset Protection
    • 06: Rising From The Ashes Of Financial Disaster (0)
    • 05: What Small Business Needs From Government (0)
    • 02: How One Family Settled Huge Debt For Pennies
  • June 2019 (2)
    • 29: The Trouble With Your Social Security
    • 05: Ordinary Heroes Deliver Second Chances With Bankruptcy
  • May 2019 (4)
    • 09: Sign Your Corporation’s Name So You Aren’t On The Hook (0)
    • 07: Silicon Valley Horror Story: The Business Credit Card That Bit
    • 06: 5 Small Business Mistakes That Thwart Success
    • 01: How Guarantors Can Escape Tax On Soured Debt
  • April 2019 (7)
    • 25: Financial Literacy Building Block: Compound Interest
    • 23: Does Marriage Make Me Liable For My Spouse’s Debts (0)
    • 15: Bankruptcy No Place For DIY (1)
    • 11: The One Person You Must Tell About Your Bankruptcy
    • 10: What Mythbusters Star Says About Money Troubles (14)
    • 10: Getting Rid Of Junior Home Liens In Bankruptcy (1)
    • 09: Tax Form 1099 Needs A Closer Look: Chances Are It’s Wrong
  • March 2019 (3)
    • 18: Don’t Brag About What You Saved Unless It’s True
    • 09: The Flat Wrong 1099
    • 08: Is Your Choice Of Bankruptcy Chapters Really Dictated By Your Stuff? (1)
  • February 2019 (7)
    • 28: Get The IRS To Feed Your Savings
    • 22: Don’t Let The IRS File A Return For You
    • 19: Will You Have Money For A Lifetime?
    • 17: The Kind of Person Who Files Bankruptcy (3)
    • 13: Find The Lost Tax Deduction When Lender Misreports Mortgage Interest Paid
    • 09: Mortgage Lenders Stop Lurking And Start Foreclosing
    • 06: What Creditors Of PG&E Need To Know About Bankruptcy
  • January 2019 (9)
    • 31: What Are Your Rights In A California Foreclosure (0)
    • 31: Best Bankruptcy Advice of The Year
    • 29: So You Keep Your Home Through Bankruptcy- What Then? (0)
    • 25: Coping With No Paycheck: Do’s and Don’ts For Victims Of The Shutdown
    • 23: Fix Mortgage Troubles After Chapter 13
    • 18: 10 Reasons Why Bankruptcy May Be Your Best Investment
    • 17: Credit Reporting Agency Is All Wrong About Bankruptcy
    • 14: Financial Lessons From Furloughed Federal Workers
    • 14: Tax Filing Extension Invites Tax Trouble For The Self Employed (0)
  • December 2018 (1)
    • 05: Why Keep Bankruptcy Off Your Credit Record
  • November 2018 (5)
    • 30: When Mortgage Lenders Monkey With Your Loan
    • 30: Three Cheers For Entrepreneurs
    • 21: What This Lawyer Is Grateful For At Thanksgiving
    • 14: 4 Keys To Chapter 13 Success
    • 07: We’re Now In Redwood City
  • October 2018 (4)
    • 26: “Hold Harmless” Survives “To Have and To Hold”
    • 19: If The IRS Comes Calling After Your Bankruptcy Discharge
    • 17: Divorce And The Ticking Debt Bomb (0)
    • 08: Highlighted Tax Tips For Final Week To File Returns
  • September 2018 (5)
    • 25: Dates, Mates, and Debts In A Community Property State (0)
    • 22: 3 Real Reasons Chapter 13 Plans Fail (0)
    • 14: Means Test As Three Dimensional Chess
    • 13: Legacy of the Mortgage Lending Frenzy Returns
    • 10: Worthless Mortgage Liens Keep Homeowner At Risk (0)
  • August 2018 (4)
    • 11: Creditor Must Pay If It Loses A Bankruptcy Fight
    • 10: Audited? Did You Tell The State Tax Authorities?
    • 04: Debt Actually Makes You Stupid (0)
    • 03: Second Best Reason To Contribute To Retirement Fund Even If You’re In Debt
  • July 2018 (3)
    • 31: Surefire Ways To Tell Scammers From Private Tax Collectors
    • 31: Where Do I File My Bankruptcy Case? (0)
    • 11: Your Home Loan May Be Excluded From Homeowner Bill of Rights (0)
  • June 2018 (2)
    • 15: Spot Credit Report Errors After Your Bankruptcy & Fix Them
    • 12: Why Bankruptcy Cases Go Down The Drain (0)
  • May 2018 (3)
    • 30: Bankruptcy Upsets The Divorce Property Division (0)
    • 26: Ten Essential Nuggets For Creditors in Bankruptcy Notice (0)
    • 04: When Bankruptcy Lawyers Get The Basics Wrong (0)
  • April 2018 (5)
    • 25: 6 Things You Need To Know About The California Homestead (0)
    • 19: Why Your Mortgage Lender Won’t Send Statements After Bankruptcy (0)
    • 19: Fear keeps folks from bankruptcy relief (0)
    • 12: Did You Tell The Whole Truth In Your Bankruptcy Papers? (0)
    • 09: What Litigators Need To Know About Bankruptcy
  • March 2018 (8)
    • 31: Your Business Partnership Needs A Prenup (0)
    • 29: Don’t Get Fleeced At The Car Dealership: Tips On Buying A Car
    • 29: Will A Second Bankruptcy Really Protect? (0)
    • 13: Hidden Dangers In Tapping The Reverse Mortgage Piggybank (0)
    • 12: TImeless Wisdom Doesn’t Apply When Filing Bankruptcy (1)
    • 12: When Chapter 20 Bankruptcy Adds Up
    • 08: The Most Compelling Reason To File Bankruptcy
    • 02: Last Minute Tax Break For Distressed Homeowners
  • February 2018 (5)
    • 27: IRS Shakedown Happening In Bankruptcy Court
    • 19: Warning: Wells Fargo Can Freeze Your Account (0)
    • 17: Taxes: Building Block of Financial Literacy
    • 07: Are You Stuck With The Lawyer Who Filed Your Bankruptcy Case? (0)
    • 03: Your Creditors Lie In Wait For Your Kids
  • January 2018 (4)
    • 26: How Your Property Gets Sold In Your Partner’s Bankruptcy (0)
    • 12: Who’s Afraid Of Bankruptcy’s 90 Day Rule (0)
    • 10: 20 Years Of Bankruptcy In Brief
    • 04: Bankruptcy Alphabet: T is for Tension (7)
  • December 2017 (5)
    • 28: My Wildly Biased Choices For Best Posts Of 2017
    • 26: Best Of 2017: Reader Favorites On Bankruptcy Soapbox
    • 26: What Game Are We Scoring? (1)
    • 14: How Avoiding Probate Ended Up In Bankruptcy (3)
    • 05: Protect Yourself From The Equifax Breach In 4 Steps
  • November 2017 (1)
    • 16: Loan Modification: The $100,000 Mistake
  • October 2017 (5)
    • 31: Getting A Loan Modification Is Only Half The Fight
    • 27: 5 Free Tools To Fight A Debt Collector (0)
    • 23: Locked Out Of Court: The Not-So-Fine-Print Arbitration Clause
    • 20: How Their Telephone Can Ruin Elders (0)
    • 08: Tax Tidbits As Filing Deadline Approaches
  • September 2017 (5)
    • 29: 3 Things Turn Off This Bankruptcy Lawyer
    • 27: You Keep Underwater Property in Bankruptcy (0)
    • 26: The Government Loans That Bankruptcy Wipes Out (1)
    • 10: The Killer Rule That Zaps Private Student Loans (0)
    • 08: Protect Your Credit After Equifax Security Breach
  • August 2017 (3)
    • 23: Foreclosure: The Unseen Hazards (2)
    • 10: Bank Has No Remedy After Foreclosure
    • 04: Cut Tax Liens Down to Size
  • July 2017 (4)
    • 21: New Tool For Homeowners Against Mortgage Lender Mistakes
    • 17: All Star Soapbox Posts For 2017 – The Readers’ Favorites
    • 15: Tax Trap When You Settle Debts Outside Of Bankruptcy (0)
    • 14: Homestead Law Little Protection For California Seniors
  • June 2017 (4)
    • 23: Google & Me (0)
    • 20: Bankruptcy Alphabet: D is for Discharge (22)
    • 16: Drive-in bankruptcy? (0)
    • 12: Bankruptcy Alphabet: F is for First (15)
  • May 2017 (4)
    • 15: Discharged Debts Don’t Bar Chapter 20 Lien Strip
    • 12: Four Essential Habits For Successful Entreprenuership
    • 09: Couple Beats Big Banks Who Ignored Bankruptcy Discharge
    • 05: Bankruptcy Alphabet: Y is for Yoke (1)
  • April 2017 (5)
    • 26: Your Home Is Not A Piggy Bank
    • 20: 8 Essential Tasks To Maximize Your Bankruptcy Fresh Start (0)
    • 14: What Asset of Failed Business Is Most Valuable? (0)
    • 07: Why I Hate Credit Reporting Agencies (0)
    • 06: Means Test & Taxes: Look Backward Or Forward (1)
  • March 2017 (1)
    • 27: Earthquake In California Law Of Community Property And Title
  • February 2017 (4)
    • 21: Ocwen To Pay California Homeowners For Servicing Shortcomings
    • 19: Making Retirement Saving More Expensive
    • 14: How Will Bankruptcy Filers Retire? (0)
    • 02: Bankruptcy Alphabet: L is for Life (0)
  • January 2017 (3)
    • 29: When Realtors Go Rogue (0)
    • 26: Update Your Mental Money Software To 2.0 (0)
    • 04: Can You Afford The Cost of Retiring Here In California? (0)
  • December 2016 (8)
    • 31: The Dozen Most Important Bankruptcy Posts Of 2016
    • 28: Last Call For Loan Modifications Under HAMP
    • 27: Your Picks For The Best Of Bankruptcy Soapbox For 2016
    • 17: Spotting The Mean In The Means Test (0)
    • 14: Bankruptcy Alphabet: S is for Strip (5)
    • 11: How To Spot A Fake IRS Officer (0)
    • 08: Keep Your Tax Refund Despite Filing Bankruptcy (0)
    • 07: Little Guys, Big Banks, And The Quest For Change
  • November 2016 (3)
    • 29: Why The Gap Between Judges & Attorneys Over Fees?
    • 06: The Dr. Seuss Secret To Laws That Actually Work (0)
    • 04: Staying Out Of Bankruptcy Trustee’s Crosshairs (0)
  • October 2016 (6)
    • 28: The DOJ War On Chapter 13 Debtors
    • 23: Your Rights When Your Home Is Foreclosed
    • 19: Foreclosure Looms But The Bank’s Numbers Don’t Add Up
    • 17: Free Expert Help With Your Bay Area Home Loan Modification (0)
    • 13: California Law on Cancelled Debt Mirrors Federal Law (1)
    • 06: Was Your Credit Score Trampled By Unwanted Wells Fargo Accounts
  • September 2016 (2)
    • 30: Glimmer of Hope For Change In Student Loan Dischargeability (0)
    • 25: The Tortoise Is The Mascot Of Retirement Savings (0)
  • August 2016 (3)
    • 31: Vince Lombardi Is To Blame
    • 18: Social Security Safe In Bankruptcy (2)
    • 16: Costs of Incarcerated Kid Dischargeable in Bankruptcy
  • July 2016 (1)
    • 20: Melania Trump Sold The American Dream Short
  • June 2016 (2)
    • 22: Not Too Late To Strip Mortgage Lien
    • 02: File Bankruptcy All Alone: No Spouse Required (0)
  • May 2016 (3)
    • 25: Who Gets To Choose Your Bankruptcy Chapter?
    • 12: Dead Debts Haunt Home Purchase
    • 09: Facing Foreclosure? Your Kids Can Cope (0)
  • April 2016 (1)
    • 09: Tugging On Superman’s Cape (0)
  • March 2016 (5)
    • 17: California Anti Deficiency Laws Trump Short Sale Agreement (0)
    • 10: Super Bankruptcy Lawyer Spotted in Redwood City (1)
    • 10: California Pulls The Plug On Debt Buyers (1)
    • 07: The Realtor’s Guide To Home Sales In Bankruptcy (0)
    • 04: The Struggle To Surrender Underwater Real Estate
  • February 2016 (1)
    • 12: Claim Tax Deductions Lurking In Your Chapter 13 (0)
  • January 2016 (2)
    • 27: 10 Best Bankruptcy Soap Box Posts Of 2015
    • 04: Why Creditors Should Get Less in Chapter 13 (6)
  • December 2015 (3)
    • 17: 10 Best Bankruptcy & Money Posts Of 2015
    • 16: At Risk Of Arrest For Not Paying Your Debts? (0)
    • 10: Why These Student Loans Got Discharged In Bankruptcy
  • November 2015 (3)
    • 25: Thankful
    • 16: Why Would Lawyer Choose Consumer Bankruptcy?
    • 13: Terminate Cell Phone Penalties in Bankruptcy (0)
  • October 2015 (1)
    • 21: Lien Stripping Works Without A Bankruptcy Discharge
  • September 2015 (2)
    • 29: Try The Community Property Two Step (1)
    • 01: Fear of Bankruptcy Misplaced (0)
  • August 2015 (4)
    • 17: Collections Is A Boogie Man For Businesses Too (1)
    • 10: Mix Old Debts & Good Faith Payments For Bad Results
    • 08: Donald Trumpets: I Didn’t File Bankruptcy
    • 06: Don’t Let Your Bank Pick Your Pocket (0)
  • July 2015 (1)
    • 22: No Discharge Chapter 13 Effective To Strip Lien
  • June 2015 (2)
    • 29: Homeowner Beats Loan Servicer On Foreclosure Appeal
    • 20: No More Repossession Threat If Exemption Bill Passes
  • April 2015 (1)
    • 28: Why No-Look Bankruptcy Fees Are No-Good
  • March 2015 (3)
    • 26: Time Running Out To Claim Prior Year Tax Breaks
    • 04: Loan Modification Excuses No Longer Good With Courts
    • 02: Why Tax Software Is Lousy Purchase
  • January 2015 (1)
    • 03: My 7 Favorite Soapbox Posts Of 2014 (0)
  • December 2014 (2)
    • 27: Best Of 2014 On Bankruptcy Soapbox (0)
    • 22: Zombie Debt is Naughty, Not Nice (0)
  • November 2014 (2)
    • 05: When Stagnant Home Values Mean Huge Savings (0)
    • 04: Six Credit Card Scams You Need To Spot (0)
  • October 2014 (1)
    • 17: Get Out From Under Student Loans In Half The Time (0)
  • September 2014 (1)
    • 12: California Restores Mortgage Debt Relief for 2013 (0)
  • February 2014 (2)
    • 26: Tax Exposure Increases Along With California Foreclosures (0)
    • 22: Big Ocwen Payout To Victimized Homeowners (0)
  • January 2014 (3)
    • 24: What You Don’t Know (Yet) About Your Mortgage Loan (0)
    • 14: The Most Important Bankruptcy Decision Of 2013 (0)
    • 04: Congratulations To Sergio Garcia, New California Lawyer (0)
  • December 2013 (3)
    • 13: Will Social Security Be Enough To Retire To Surf City? (0)
    • 07: Three Giant Banks Fail To Keep Settlement Promises (0)
    • 06: Easy Ways To Avoid HOA Fees After Bankruptcy (0)
  • October 2013 (1)
    • 31: What’s To Fear About Bankruptcy (0)
  • September 2013 (4)
    • 19: Lost Homes, Cut Off Creditors & Whack A Mole (0)
    • 16: California Extends Protection For Home Loan Borrowers (0)
    • 12: Borrowers Beat Wells Fargo In Trial Modification Case (0)
    • 04: Does Filing Bankruptcy Ruin My Credit For 7 Years (0)
  • August 2013 (4)
    • 27: Does Foreclosure Forever Keep Me From Homeownership (0)
    • 13: The Living Trust: Can You Trust It To Protect You? (0)
    • 08: Debt Buyer Gets Less Than It Bargained For (0)
    • 07: Free Retirement Advice By Professional Advisor Comes Up One Tool Short (0)
  • July 2013 (3)
    • 22: The Collection Call That Terrifies (0)
    • 16: All Bankruptcy Advice Is Not Created Equal (0)
    • 11: When Foreclosure Requires You Move (0)
  • June 2013 (2)
    • 27: Bankruptcy Trustees And The Short Sale Racket (0)
    • 25: Mortgage Servicers Lie To Homeowners-Try That With A Judge (0)
  • May 2013 (3)
    • 31: Who Needs This Kind Of Help With Debts (0)
    • 16: Why Rising Home Prices Will Sink Some Homeowners (0)
    • 15: Bankruptcy Exemption Bill Changes More Than Dollar Amounts (0)
  • April 2013 (2)
    • 19: The Reverse Side Of The Coin: In Re Welsh (0)
    • 03: Tax Question Roundup (0)
  • March 2013 (1)
    • 02: Same Sex Couples No Different In Bankruptcy (1)
  • February 2013 (2)
    • 23: Hunger In The Golden State (0)
    • 10: Means Test Not Sole Measure Of Bankruptcy Abuse (0)
  • January 2013 (1)
    • 24: Filing Bankruptcy Is All About Your Future (0)
  • December 2012 (1)
    • 04: Lien Strips Live in Chapter 20 (3)
  • November 2012 (2)
    • 27: Car Crazy In Bankruptcy Court (3)
    • 15: Depressed Property Values & Valueless Liens (0)
  • October 2012 (1)
    • 03: Even The Rich & Famous File Bankruptcy (0)
  • August 2012 (1)
    • 22: So What If Debt Collectors Are Robosigners? (0)
  • July 2012 (1)
    • 02: How Rising Home Values May Threaten Your Long Term Finances (0)
  • June 2012 (1)
    • 14: Foreclosure And The Tax That Follows: What You Must Know (4)
  • May 2012 (1)
    • 07: California Bankruptcy Lawyer Puts Information Out There – Too Bad He’s Wrong On The Basics (11)
  • March 2012 (1)
    • 18: Miracles Possible in Mortgage Mess (1)
  • February 2012 (2)
    • 19: Only Sex Appeal and the U.S. Congress Can Sell These Services (3)
    • 15: What T-Boz Missed When Chapter 13 Dismissed (0)
  • January 2012 (2)
    • 31: Skip Filing Your Tax Return And The Tax Lives Forever (0)
    • 09: The One Fix Silicon Valley Bankruptcy Courts Need (0)
  • December 2011 (3)
    • 23: Bankruptcy Alphabet: X is for oeX (2)
    • 22: Bankruptcy Alphabet: W is for Wait (2)
    • 17: Bankruptcy Alphabet: U Is For Unsecured (4)
  • November 2011 (5)
    • 29: Bankruptcy Alphabet: P is for Priority (2)
    • 23: Bankruptcy Alphabet: N Is For Nondischargeable (4)
    • 21: Bankruptcy Alphabet: M Is For Modify (2)
    • 15: Bankruptcy Alphabet: I Is For IRS (10)
    • 11: Bankruptcy Alphabet: G is for Guaranty (12)
  • October 2011 (1)
    • 08: Money Troubles Plague My Vacation (0)
  • August 2011 (3)
    • 13: Bay Area Loan Modification Scam Busted (0)
    • 10: California Foreclosure Law Streamlined By Amendment (0)
    • 02: Oakland Bankruptcy Judge Upheld At 9th Circuit (0)
  • July 2011 (3)
    • 19: No Recourse for Junior Lien in Short Sale (7)
    • 11: Your Choices For The Underwater House (0)
    • 09: Self Employed, But Not By Choice (2)
  • June 2011 (1)
    • 04: Cramming Down Mortgage Liens: The Plot Thickens (2)
  • April 2011 (2)
    • 28: Financial Literacy: Politics May Make It A Matter Of Life Or Death (2)
    • 27: How Long Til Foreclosure? (1)
  • March 2011 (2)
    • 28: Tax Fallout from Foreclosure & Loan Modification (0)
    • 10: Debtor Bites Collector Over Stale Debt (0)
  • February 2011 (1)
    • 05: Client “wants to think” about appointment (1)
  • January 2011 (4)
    • 30: It’s all in your point of view (0)
    • 15: Who files bankruptcy? (0)
    • 10: Zombie Debt Collectors Must Come Clean (0)
    • 07: New California law protects sellers in short sales (0)
  • December 2010 (1)
    • 04: Real world impact of Sternberg (1)
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    • 12: Word rant: seizure of mortgaged homes (0)
  • October 2010 (1)
    • 30: The Real Import of Foreclosures and False Affidavits (1)
  • August 2010 (2)
    • 30: Budgeting with an open mind (0)
    • 16: Student loans: sinking the parents (0)
  • July 2010 (3)
    • 26: Rant on realtors (0)
    • 22: Changing view of when to file bankruptcy (1)
    • 09: “Chapter 20” Lives in Northern California Bankruptcy Courts (0)
  • June 2010 (1)
    • 19: Debt Settlement Settles Nothing (1)
  • May 2010 (1)
    • 27: What happened to encouraging Chapter 13 (0)
  • April 2010 (2)
    • 25: After the loan modification: the underwater house (1)
    • 14: California aligns tax law on mortgage debt forgiveness with feds (0)
  • March 2010 (1)
    • 16: Means test: don’t try this at home (1)
  • February 2010 (3)
    • 08: Guilt & fear used to keep homeowners paying (0)
    • 04: Parking lots presage future of bankruptcy business (0)
    • 01: Bankruptcy lawyer must have otherworldly powers (0)
  • January 2010 (3)
    • 22: Perversity run amok (1)
    • 21: Negotiate to the last minute at your peril (0)
    • 10: Short sales no boon to credit score (0)
  • December 2009 (2)
    • 08: Mortgage modification bill returns to Congress (0)
    • 02: Should you pay the mortgage? (1)
  • November 2009 (7)
    • 29: Money management and the things we “deserve” (0)
    • 26: Thankful amid hard times (0)
    • 21: Retirement contributions in Chapter 7 (0)
    • 19: Medical bankruptcies not obvious (0)
    • 14: Ending the debit card gotcha (0)
    • 12: Chapter 13 debt limits double for couples (1)
    • 01: Lenders slow to act following relief from stay (2)
  • October 2009 (1)
    • 20: Lawyers ask “How does bankruptcy work?” (0)
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    • 23: Required financial management education: BAPCPA’s one good thing (0)
    • 21: Is defaulting on mortgage immoral? (0)
  • August 2009 (1)
    • 11: Wage garnishment ends with bankruptcy filing (0)
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    • 11: Small businesses increasingly seek bankruptcy relief (0)
  • June 2009 (3)
    • 27: Judicial review of debtor’s attorneys fees (0)
    • 20: Foreclosure the day after tomorrow (0)
    • 03: Credit card “overspending” parallels housing crisis (0)
  • May 2009 (4)
    • 19: Keep the house? Deflector shields up (0)
    • 18: Credit card for emergencies (0)
    • 12: Student loans ensnare parents (0)
    • 05: What if you choose an alternative to bankruptcy (0)
  • April 2009 (5)
    • 22: The latest debt collector violation of law (0)
    • 17: How long for California foreclosure (0)
    • 08: Financial products sold to the unsophisticated (0)
    • 02: Financial education program worthwhile (0)
    • 01: Immigrants and bankruptcy disclosure (0)
  • March 2009 (4)
    • 20: Loan modification resources (0)
    • 15: Debts not passed on when one passes on (0)
    • 12: Senators who need to hear from real people about S. 61 (0)
    • 09: Mortgage modification as subsidy by taxpayers (1)
  • February 2009 (9)
    • 28: Banks have already lost on bad loans (0)
    • 25: Cancel card and enjoy convenience? (0)
    • 25: California legislature halts foreclosures (0)
    • 21: (0)
    • 17: Banking lobby ignores current mortgage law (0)
    • 15: Banks Worsen Foreclosure Crisis (0)
    • 14: Mortgage bankers lobby for status quo (1)
    • 08: Personal money management is complicated (2)
    • 06: Research bankruptcy on the internet (0)
  • January 2009 (8)
    • 30: Another voice in the savings chorus (0)
    • 26: Falling rents make walking away cheaper (0)
    • 21: Bankruptcy as opportunity (1)
    • 17: Countrywide admits to faking interest in modifications (0)
    • 12: Mortgage Modification and Moral Hazard (0)
    • 09: Mortgage modification in a declining market (0)
    • 04: Tax breaks no place to hide public policy choices (0)
    • 02: Vote for best niche blog (0)
  • July 2008 (3)
    • 30: Disdain for Automatic Stay Everywhere (0)
    • 12: Chapter 13 trustees, money and goodwill (0)
    • 03: Debt settlement: how it really works (0)
  • June 2008 (3)
    • 18: J K Harris settles with California over misleading ads (0)
    • 14: Take that, and that, you mortgage lender (0)
    • 03: Liar loans and those that sold them (0)
  • May 2008 (5)
    • 29: Bankruptcy and the “hard of hearing” (0)
    • 22: Guide to Exemptions in a Mobile World (0)
    • 07: Denying the debt collector (0)
    • 04: Bay Area credit card debt (0)
    • 01: Case of the vanishing home equity (0)
  • April 2008 (2)
    • 25: Debt settlement doesn’t equal credit counseling (0)
    • 13: Cash collateral in consumer cases (0)
  • March 2008 (5)
    • 28: Changing paradigm of plastic (0)
    • 24: Bankruptcy info by email (0)
    • 18: File Your Tax Return Or Get An Extension? (1)
    • 13: Where’s the UST? (0)
    • 02: CCCS remains a star in credit counseling (2)
  • February 2008 (2)
    • 24: It feels like a profession (0)
    • 16: Sell first, litigate later (0)
  • January 2008 (3)
    • 31: Muttering about the means test (2)
    • 31: Counting on the consumer to do the wrong thing (1)
    • 18: Hard times nurture get rich quick schemes (0)
  • December 2007 (2)
    • 21: Interest rate truth below banker’s bluster (0)
    • 17: Mortgage mess and artificial value of real estate (0)
  • November 2007 (4)
    • 17: On foreclosure and procrastination (1)
    • 09: All gain by permitting mortgage modification (1)
    • 05: Peddling economic serfdom to our kids (0)
    • 01: To tell the truth (0)
  • October 2007 (3)
    • 09: Chapter 13 trustee commission can skew the numbers (0)
    • 05: Trap for unwary in foreclosure of rental property (0)
    • 03: Lingering effect of allowed claim in bankruptcy (0)
  • September 2007 (3)
    • 21: When to make your move (0)
    • 20: Looming California foreclosure doesn’t require bankruptcy (0)
    • 12: Financial worries can make you fat (0)
  • August 2007 (4)
    • 18: Should I file bankruptcy: hanging on too long (2)
    • 13: Taking my own advice Part Three (20)
    • 09: Loan hype debases the language (3)
    • 06: More seniors file bankruptcy (5)
  • July 2007 (3)
    • 24: Incorrect credit reports can coerce payment of discharged debt (0)
    • 14: Taking my own advice Part Two (24)
    • 11: Credit card issuers crazier than I thought (3)
  • June 2007 (4)
    • 28: Student loans & deciding who to pay (0)
    • 09: What credit card debt hides (0)
    • 07: Unintended consequences of the means test (1)
    • 02: Universal Default Provisions Cause Defaults (0)
  • May 2007 (1)
    • 01: Should You Keep Your Stuff After Bankruptcy? (1)
  • April 2007 (1)
    • 26: Advertizement for Savings (21)
  • March 2007 (5)
    • 29: Collection law suits in California (2) (0)
    • 21: Tax issues in subprime mortgage meltdown (11)
    • 07: Teaching about Money (70)
    • 04: Card Companies Charge Forward (0)
    • 01: Preserving a Small Business through Bankruptcy (0)
  • February 2007 (3)
    • 26: Find The Best Bankruptcy Information Online (0)
    • 14: The Price of Keeping the Car (0)
    • 05: Misuse of Credit Scores (866)
  • January 2007 (3)
    • 25: UST definitely family unfriendly (0)
    • 23: Bankruptcy improves your credit score (0)
    • 19: Chevy Chase Bank ARMS violate Truth in Lending (0)
  • December 2006 (1)
    • 07: Different advice after BAPCPA (345)
  • November 2006 (1)
    • 17: One Year of “Reform” (1)
  • October 2006 (1)
    • 29: Debt Debilitates (0)
  • February 2006 (1)
    • 14: IRS warns of credit counseling fraud (0)
  • January 2006 (1)
    • 08: Plastic in the Life of our Society (0)
  • September 2005 (1)
    • 09: Katrina as a model for debtors (0)
  • August 2005 (2)
    • 18: Living in the Valley of the Shadow of Debt (0)
    • 07: Credit Cards Call the Shots (0)
Bankruptcy Basics

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. We dig deeper into how to consider bankruptcy and navigate a bankruptcy case.

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

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What Happens To Your Bank Account in Chapter 13

Those considering filing a Chapter 13 bankruptcy worry about "what happens to my bank account?" Will the trustee take all the money? How do I pay my living expenses after I file? The short answer is: nothing changes. The account remains yours and available for all the expenses of day to day living. Because, … Read more

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