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Life After Bankruptcy: What’s It Really Like?

By Cathy Moran

life after bankruptcy

What’s life really like after bankruptcy? Everyone suffering through financial difficulties wants to know whether filing bankruptcy just trades one form of pain for another. Will you be shut out of the American dream forever?  Unable to function in a world centered on electronic payments? Here’s a collection of our best stories and advice on […]

Filed Under: Consumer Rights, Life after bankruptcy Tagged With: 2018, life after bankruptcy

Bankruptcy Drives Credit Score Surprise

By Cathy Moran

Bankruptcy improved my client’s credit score, almost on the spot. Before bankruptcy, a miserable credit score was no surprise.  This client reported a 498 credit score before he filed. What was surprising is that, three month after he filed bankruptcy, his score was 614! That’s a 116 point increase in his score in three months.  […]

Filed Under: Featured, Life after bankruptcy Tagged With: 2019, credit score

Can You Be Sued After The Foreclosure

By Cathy Moran

after foreclosure

Foreclosure is traumatic enought without worrying whether lenders can sue you after foreclosure. Breathe deeply. California has laws that limit what a mortgage lender can do to collect its money after the foreclosure. One addresses the rights of the creditor who conducted the foreclosure sale. The other borrower protection looks at what the loan was […]

Filed Under: Strictly California Tagged With: 2023, after foreclosure, borrower protections, foreclosure

What You Keep In Chapter 13

By Cathy Moran

what you keep in bankruptcy

Just because debtors can keep their upscale trappings and their toys bought on credit doesn’t mean they should. Still, I share my colleagues excitement over the 9th Circuit’s recent decision in Welsh.   The appeals court held that a debtor wasn’t guilty of bad faith in proposing a Chapter 13 plan that kept and paid […]

Filed Under: Chapter 13, How bankruptcy works

How One Family Settled Huge Debt For Pennies

By Cathy Moran

debt settlement

Almost everyone wants to settle debt rather than file bankruptcy. But how about settling debt using bankruptcy? Here’s how one family pulled it off. When they started the Chapter 13 trek, they owed $370,000 in personal loans and credit cards. As they completes the plan, they will have settled that debt for three cents on […]

Filed Under: Chapter 13, Featured, True Stories Tagged With: 2018

What A Bankruptcy Lawyer Is Thankful For

By Cathy Moran

On Thanksgiving, I’m mindful of how precious the American approach to insolvency is. In the U.S.  a bankruptcy discharge provides the proverbial fresh start to move forward with life. Money troubles do not have to cloud a life forever. Bankruptcy is widely available and broadly effective in getting people a fresh financial start. On the individual level, […]

Filed Under: Featured

Deal With Your Taxes After Bankruptcy

By Cathy Moran

taxes after bankruptcy

When you’ve still got taxes after bankruptcy, things can get complicated. That’s because some taxes got discharged in bankruptcy, while others may live on. The taxes that live on get an extension on their life span. And liens after Chapter 7 just keep on chugging. So let’s make sense of taxes after bankruptcy. Which taxes […]

Filed Under: Consumer Rights, Taxes Tagged With: 2022, tax liens, taxes

Title Isn’t Everything: Watch Out For The Assets In Your Spouse’s Name

By Cathy Moran

community property surprise

Your spouse’s assets can get swept up in your bankruptcy when you live in California. Because, most likely, just holding an asset in the name of one spouse doesn’t defeat the community property presumption. I saw it play out in a first meeting of creditors when the bankruptcy trustee asked about an asset. But it’s […]

Filed Under: Strictly California Tagged With: 2016, California

Bankruptcy Alphabet: H is for House

By Cathy Moran

In my bankruptcy alphabet, H is for house. Can I keep my house if I file bankruptcy, anxious homeowners ask. In most cases, my answer is “yes”. Should you keep the house is another question. Houses are vulnerable in bankruptcy only if there is If the trustee can’t sell the property for enough money to […]

Filed Under: ABC's of bankruptcy, Real property & mortgages

SBA Loans Collectible Long Past Business Failure

By Cathy Moran

SBA collection

The SBA has eagle eyes and sharp talons when it comes to collecting from guarantors of business loans. SBA collection rights are ruthless, efficient, and ageless. So I learned when a client consulted me about a business that had failed 12 years ago. Yet the SBA had never sued him, nor had it filed a […]

Filed Under: Consumer Rights, Small business Tagged With: 2020, business debt, SBA

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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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