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7 Essentials For Better Results From Filing Bankruptcy

By Cathy Moran

before filing bankruptcy

Plan before filing bankruptcy and you get better, more certain relief. Even if you’re not quite sure that you’re ready to take the bankruptcy plunge, scout the bankruptcy territory. Take some time to learn the rules and explore ways to maximize the relief available in bankruptcy. If you don’t plan ahead and just rush into […]

Filed Under: Considering Bankruptcy, Featured Tagged With: 2021, means test

Bank Account Safe From Credit Card Debt

By Cathy Moran

credit card offset

Your bank can’t take your money in an account to pay their credit card. That’s one less thing to stress about. Credit cards and bank accounts are an exception to the old saw that possession is 9/10th of the the law. After all, the bank would have possession of the money on deposit and a […]

Filed Under: Featured Tagged With: discharge, offset, set off

Six Tips For A Worry-Free Bankruptcy

By Cathy Moran

Your bankruptcy case is filed. But what happens after filing bankruptcy ? After you’ve assembled all the paper, after you’ve answered endless lawyer questions, and after you’ve filed all the bankruptcy schedules in your case with the court. what do you need to do now? Actually, relatively little happens after you’ve filed your bankruptcy.  The […]

Filed Under: How bankruptcy works Tagged With: after bankruptcy

Bankruptcy Means Test: New Numbers, Little Impact For Bay Area

By Cathy Moran

means test numbers

The bankruptcy means test numbers for California are out, and again higher incomes still escape the means test. In the Bay Area, the means test income levels, coupled with the cost of housing, don’t keep many people out of the bankruptcy chapter of their choice. More. Why the means test matters The median income in […]

Filed Under: Consumer Rights Tagged With: Alameda, means test, San Mateo, Santa Clara, Santa Cruz

Debts You Can’t Wipe Out In Bankruptcy

By Cathy Moran

nondischargeable debts

Three kinds of debt survive bankruptcy discharge, because they are unlike the other sixteen non dischargeable debts. Those three exceptions to discharge look, not at the kind of debt such as taxes, or support or student loans.  Rather the exceptions look at  how the debt arose. These exceptions prevent bad actors from escaping the consequences in bankruptcy.  […]

Filed Under: How bankruptcy works Tagged With: 2018, non dischargeable, timing

The Strange Rules When A Creditor Is Left Off Bankruptcy Schedules

By Cathy Moran

missing creditor

What happens if you miss putting a creditor on your bankruptcy schedules?  In the bustle of preparing to file bankruptcy, a slip up is not uncommon. Notice is one of the fundamental rules of bankruptcy.  Everyone to be affected by a bankruptcy case gets notice.  That notice provides the creditor with an opportunity to participate […]

Filed Under: How bankruptcy works Tagged With: 2018, creditor, notice

10 Top Tricks Of The Lending Industry

By Cathy Moran

consumer credit

The tricks lenders use to sell you a bad loan are limited only by the imagination of the lender. And they’re all conceived with one end in mind — big profits, not helping you. And, unlike Pinocchio’s ever-growing nose,  the consumer doesn’t see any tell-tale signs that warn of deception at work when credit’s being […]

Filed Under: Consumer Rights, Credit Tagged With: 2017

Chapter 13 Keeps You In Control

By Cathy Moran

steering your financial course

You can’t decide between bankruptcy chapters until you really understand how Chapter 13 works to keep you in control.   Control of your assets, control of your payment plan, control of who gets paid. You want to be at the helm of your case.  Chapter 13 can do that. Chapter 13 protects more than assets Chapter […]

Filed Under: Chapter 13, Featured Tagged With: 2016

Before You List Your Home For Sale: The Essential First Task

By Cathy Moran

Selling your home?   Before you list your home, before you interview a realtor, before you lift a paint brush, or clean a closet, you need to write a letter. A letter to the servicer of your mortgage. You want full disclosure of what charges, fees, expenses and other “stuff” they want to collect from […]

Filed Under: Real property & mortgages Tagged With: 2017, mortgage servicing

New California Homestead In Action

By Cathy Moran

california homestead

The California homestead increase brings the homestead closer into line with the cost of a home in the Golden State. It’s a change for the better. But how will the change impact the balance of homestead law? Time, or further legislation, will tell. The newly enacted version of California Code of Civil Procedure 704.730 replaces […]

Filed Under: Strictly California

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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

The Biggest Lie About Bankruptcy

Read anything about Chapter 7 and you get, "Your possessions are sold in Chapter 7 bankruptcy." That is, flat out, the biggest lie about bankruptcy. It's a liquidation proceeding and your stuff will be sold to pay creditors, the lie goes on. No wonder people are scared off from getting relief from debts … Read more

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