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Three Cheers For Entrepreneurs

By Cathy Moran

Entrepreneurs

Let’s hear it for entrepreneurs.  Those brave, tireless people with a dream who start or run small businesses. They possess more energy and perseverance than most of us.  They form the backbone of our economy. In honor of National Entrepreneurs Day, November 20th, let’s recap Soapbox’s best on being in business for yourself. It’s probably […]

Filed Under: Featured, Small business Tagged With: 2018

What This Lawyer Is Grateful For At Thanksgiving

By Cathy Moran

lawyer gives thanks

This Thanksgiving, I’m grateful for the American judiciary and, particularly, for district court judges. In these turbulent political times, they’ve been confronted with hard questions arising out of swirling controversies. Their rulings would have national implications. Decisions were needed on short notice.  Partisans gathered on the sidelines, some assured of being bitterly disappointed however the […]

Filed Under: Featured Tagged With: 2018

4 Keys To Chapter 13 Success

By Cathy Moran

successful Chapter 13

How do I make a Chapter 13 plan that succeeds? That’s important because a successful Chapter 13 lets you Yet a distressing number of Chapter 13’s fail before they reach the finish line. The debtor writes the plan One powerful characteristic of Chapter 13 is that the debtor writes the payment plan. Not the judge, not […]

Filed Under: Chapter 13, How bankruptcy works Tagged With: 2017

We’re Now In Redwood City

By Cathy Moran

Moran Law Group

Moran Law Group has packed up and moved to Redwood City! Effective October 1, 2018, Cathy and Renee are holding forth at 643 Bair Island Road, Suite 403, Redwood City.  Our phone number and email addresses are the same. We’re sharing our San Mateo county office with two good friends and marvelous bankruptcy lawyers, Jeff […]

Filed Under: Consumer Rights Tagged With: 2018

If The IRS Comes Calling After Your Bankruptcy Discharge

By Cathy Moran

tax after bankruptcy

It’s scary, or infuriating, when the IRS continues to try to collect taxes discharged in bankruptcy. What was the point of filing bankruptcy if the government ignores your discharge? Yet IRS attempts to collect taxes from people with a bankruptcy discharge form the single largest group of cases in my law office today. Why the […]

Filed Under: Consumer Rights, Taxes Tagged With: 2018

Divorce And The Ticking Debt Bomb

By Cathy Moran

Debts of the marriage often outlive the marriage itself. And, those left-over debts are nothing but trouble. But too often, divorcing couples don’t mop up the joint debts they held during the marriage, only to have the situation blows up years later when one ex-spouse hits financial trouble. Here’s a true story that illustrates the danger. […]

Filed Under: Consumer Rights, Family Law, True Stories

Highlighted Tax Tips For Final Week To File Returns

By Cathy Moran

tax returns

We talk a lot about taxes here on the Soapbox.  That may seem a strange thing for a bankruptcy law firm to highlight. But it’s not strange when you realize that taxes are the cause of many of our clients’ financial problems. Filing date is barreling down on us. So, here’s a sampler of how […]

Filed Under: Featured Tagged With: 2018

Dates, Mates, and Debts In A Community Property State

By Cathy Moran

Scoping out dates and mates by their credit scores at first seems far fetched and overblown. Not to mention it pretty much kills romance. CNN reported on credit scores and dating.  My colleague Frank Pipitone took off on the idea. But there is a kernel of wisdom there that couples in California need to heed. […]

Filed Under: Strictly California

3 Real Reasons Chapter 13 Plans Fail

By Cathy Moran

chapter 13 success

  Two out of three confirmed Chapter 13 cases fail.  Those are cases that met all the tests and got the judge’s OK. And still they crater. That’s a heap of people, deeply in debt, who don’t make it out of debt by using Chapter 13. Arizona bankruptcy lawyer John Skiba has a theory about […]

Filed Under: Chapter 13, Consumer Rights

Means Test As Three Dimensional Chess

By Cathy Moran

means test

Means test issues in bankruptcy extend far beyond how much income you have. The allowable expense deductions for your life after filing bankruptcy count, too. After an hour long initial consultation with a client, these complexities became clear when the client tagged the means test with incredible clarity. It’s like playing three dimensional chess Pretty […]

Filed Under: Considering Bankruptcy, How bankruptcy works, Means test Tagged With: 2018

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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

How Bankruptcy Works

Cheat Sheet For Passing Bankruptcy Means Test

The bankruptcy means test has a fatal weakness in its attempt to keep people out of bankruptcy. Like so much recently, it's health care. It's health care, in the future, to be paid before your creditors get any money in your bankruptcy. It works because, in a logic that only Congress could employ, the means … Read more

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Phone: (650) 694-4700
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