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Your Tax Refund In The Crosshairs In Debt Collecting Season

By Mike Cardoza

debt collecting season

Who knew that there was a season for debt collecting?  My friend and colleague attorney  Mike Cardoza does.  See what he says. The beginning of the year  through about the end of March is the big season for debt collection! Why? Because collectors are pretty sure that you have some money in your pocket – […]

Filed Under: Consumer Rights, Debt Collection Rights Tagged With: 2018, tax refund

How You Can Collect From The Debt Collectors

By Mike Cardoza

sue debt collectors

I team up with consumer lawyer Mike Cardoza to identify your rights against debt collectors and then to preserve those claims through bankruptcy. The longer you resisted filing bankruptcy, the more likely that you’ve endured harassing encounters with debt collectors. And the more encounters you have with debt collectors, the more likely that you’ve been […]

Filed Under: Consumer Rights, Debt Collection Rights Tagged With: 2018

Debt Collector Threats: Which Ones Are Real?

By Mike Cardoza

debt collector

“What debt collector threats should people be afraid of?” was the question my friend bankruptcy attorney Cathy Moran asked. To which I replied, “Afraid of? Pretty much none of them!” Because they’re mostly all empty threats. You’re not going to jail,   They are not going to come get you, Your credit is not about to […]

Filed Under: Consumer Rights, Debt Collection Rights Tagged With: 2018

Spot Credit Report Errors After Your Bankruptcy & Fix Them

By Mike Cardoza

credit report

Your debts have been discharged in Bankruptcy. Congratulations! But if those debts still appear on your credit report, you haven’t gotten all the debt relief you are entitled to. Your credit report is the public face of your finances. It’s the thing that lenders, landlords, and life insurance companies look at to figure out whether […]

Filed Under: Consumer Rights Tagged With: 2018

Protect Yourself From The Equifax Breach In 4 Steps

By Mike Cardoza

Equifax data theft

I started picking the brain of my friend attorney Mike Cardoza about all of the personal credit information stolen from Equifax when we met last month at the NCLC Consumer Rights Litigation Conference.  Mike’s the guy to ask since he describes his practice as suing credit bureaus in order to fix clients’ faulty credit reports.  […]

Filed Under: Featured Tagged With: 2017

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

When Can I File Bankruptcy Again

Remember the old high school cheer:  two, four, six, eight, who do we appreciate? Turns out, that's not just a cheer, it's shorthand for the rule on when you can file bankruptcy again. And it points out that when you can file again depends on what kind of bankruptcy you filed last time. Here's how it … Read more

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