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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: Featured Tagged With: 2022, tax liens, taxes

Damaged Credit Reports Heal

By Cathy Moran

damaged credit

Will filing bankruptcy hurt my credit? Probably. Should that hit to your credit keep from filing bankruptcy?  Not by a long shot. Incredibly, I encounter people drowning in debt who think their credit report is more important than their financial health. Their thinking seems to be that credit, once damaged, is never the same. It’s not […]

Filed Under: Considering Bankruptcy, Featured, Life after bankruptcy Tagged With: credit heals, damaged credit

Dividing Debts At Divorce: What You Need To Know

By Cathy Moran

The division of the debts of a failed marriage, however carefully crafted at divorce, can be utterly destroyed if one of the former spouses files a Chapter 13 bankruptcy. A Chapter 13 discharge is double barreled.  It will eliminate the debts that the filing spouse owes to creditors.  It also wipes out any obligation to the […]

Filed Under: Consumer Rights, Family Law

Why Credit Cards Win Clash of Creditors

By Cathy Moran

Credit cards vanquish tax collector

In the tug o war of which creditor to pay, why is it that credit cards win over taxes and child support? I’m accustomed to clients who pay creditors rather than provide for their own health care, emergency fund, or retirement. That’s taking care of commitments to others before self. But I haven’t figured out […]

Filed Under: Consumer Rights, Managing Money

Does Debt Discharged In Bankruptcy Stay Gone Forever?

By Cathy Moran

debt discharged in bankruptcy

Can debt bankruptcy in bankruptcy come back to haunt me? Worried clients ask me this all the time, fearful that the relief they get from their creditors in bankruptcy is only temporary. The short answer is no. The automatic stay that stops collectors when you file bankruptcy is replaced, at the end of the case, […]

Filed Under: Featured Tagged With: debt collectors, discharge

Protecting Your Co signor When You Can’t Pay

By Cathy Moran

cosigned loans

Cosigning a loan links you and your cosignor together for the life of the debt. If you get in financial trouble, your troubles are your co signor’s troubles too. If you can’t pay your debts, the standard bankruptcy discharge will get rid of your debt, but it doesn’t help your co signor. Even while you […]

Filed Under: Chapter 13, Consumer Rights Tagged With: 2017

Wage Garnishment Survival Guide

By Cathy Moran

“Your wages have been garnished, ” reads the letter from your employer. Do nothing and twenty-five percent of your after-tax earnings will be sent to your judgment creditor. So, do something:  keep reading this action guide for Californians subject to a wage garnishment. This guide has three parts: the short run guide for minimizing the hit […]

Filed Under: Strictly California

Ignoring a Lawsuit Against You Is Seldom A Good Thing

By Cathy Moran

ignore lawsuit

How do you ignore a lawsuit and expect a good outcome? Yet twice in the past few months, individuals have come to me with judgments outstanding. That’s not noteworthy; after all, I’m a bankruptcy lawyer. We deal with unpaid judgments. But both of these men explained the situation this way: the claims of the lawsuit […]

Filed Under: Featured Tagged With: 2021, collection, lawsuit

7 Keys To Keeping Your House: Chapter 13 After You File

By Cathy Moran

keep the house

Filing Chapter 13 bankruptcy stops the foreclosure.  You’ve protected your home, for the moment. Bankruptcy gets you a sheltered legal environment to address the problems with your mortgage. You heave a sigh of relief. But the fight to keep your house isn’t over, just because there’s a stay.  You’ve just gotten through the first round. […]

Filed Under: Chapter 13, Real property & mortgages Tagged With: 2019, chapter 13, keep the house

4 Rules For Testifying At Your Bankruptcy Hearing

By Cathy Moran

going to court

Going to court for your first meeting of creditors? What are they going to ask me?, you wonder. My bankruptcy clients imagine a quiz on the contents of their bankruptcy papers. Or worse, an inquisition on why they needed to file bankruptcy. That’s not likely.  The first meeting of creditors is much more likely to […]

Filed Under: How bankruptcy works Tagged With: 341, court appearance, testify

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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

What You Left Out Of Your Bankruptcy Schedules

One of the first questions a bankruptcy trustee will ask you at the hearing in your bankruptcy case is:  did you read the schedules before you signed them? The obvious, and expected, answer is YES. And if your answer is "yes", then the trustee can conclude that you stand behind the information that the … Read more

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