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Better To Live With Debts Than File Bankruptcy?

By Cathy Moran

living in debt

Locked up in debt? What are the consequences of bankruptcy? Or, is it better to live with your debt and keep making minimum payments? Does life get better or worse if you file bankruptcy? That question sums up most people’s fears about shedding their debt through bankruptcy. What will life be like, after bankruptcy? Good questions. […]

Filed Under: Considering Bankruptcy, Consumer Rights Tagged With: 2016

When Debt Collectors Won’t Stop, Despite Bankruptcy

By Cathy Moran

collection letter

Get a collection notice after you’ve filed bankruptcy and after you’ve gotten a discharge, and it’s easy to be distressed. You’ve taken the hard step to get a fresh start, and it appears not to have worked. It’s easy to assume that the collector has a right to its money.  Easy, too, to assume your […]

Filed Under: Consumer Rights

Tax Liens Live On After Bankruptcy, Unless….

By Cathy Moran

You mean the tax liens won’t  go away when I get a bankruptcy discharge? The client was startled that the lien would live on beyond his bankruptcy. So, if all my debt doesn’t go away, what do I get from the bankruptcy discharge?  he asked. I thought the tax debt went away when I filed. […]

Filed Under: Featured, Life after bankruptcy, Taxes, True Stories

Which Creditors Should You Really Fear?

By Cathy Moran

scary creditors

A debt collector’s threat to sue you usually produces terror. You’re scared about losing your wages, or your bank accounts.  Scared about being served with process at work. The threat of a lawsuit often triggers the first call to my law office. Some collector has said he will take 25% of your wages, or will serve […]

Filed Under: Consumer Rights

Get A Deal On Your Car After Bankruptcy

By Cathy Moran

wheels after bankruptcy

How are you going to keep your car after you file Chapter 7 bankruptcy? Here in California , little is more essential to holding a job and really getting a fresh start than a car to get to work in.   While the bankruptcy discharge will relieve you of liability for the loan on the […]

Filed Under: How bankruptcy works Tagged With: 2016

The Most Powerful Debt Management Tool

By Cathy Moran

debt management tool

The most powerful debt management tool isn’t a software program. It isn’t a website, nor a consulting firm. It isn’t even a calculator. The most powerful debt management tool is a letter opener. If you don’t open the mail, you don’t really know where you stand with your creditors. If you don’t open the mail, […]

Filed Under: Featured Tagged With: debt management

10 Things Every Attorney Should Know About Bankruptcy

By Cathy Moran

know about bankruptcy

Financial stress is everywhere. It pops up in family law, litigation, business, and our dealings with taxing authorities. Every lawyer can better serve clients if they know a bit about bankruptcy, regardless of the focus of their practice. Here’s my list of bankruptcy basics for lawyers that every practitioner should know to guide clients to […]

Filed Under: Featured

10 Things Personal Finance Bloggers Need To Get Right About Bankruptcy

By Cathy Moran

bankruptcy truths

Too many personal finance bloggers need to sharpen their game when it comes to bankruptcy. Personal finance bloggers do so much good promoting better financial habits and deeper understanding of money. But too often they drop the ball when it comes to bankruptcy. One, they get the basic facts about bankruptcy wrong; and Two, they […]

Filed Under: Featured Tagged With: bankruptcy myths

California Homestead Works In Other States, Too

By Cathy Moran

California homestead

California homestead law drives bankruptcy exemptions even for those who no longer live in California. Strange, when the homestead statute was state law originally written for Californians. Two things have expanded its reach:  bankruptcy “reform” and the concept of extraterritoriality. The third driver, of course, is mobility:  we seem much more likely these days to […]

Filed Under: How bankruptcy works Tagged With: 2019, exemptions

Incorporating A Troubled Business: Work-around Or Worse?

By Cathy Moran

business bankruptcy

Facets on a gem bend light and change how we see things. The same thing happens when bankruptcy law encounters a small business owner and the business itself. Seen from one angle of the law, the business is a valuable asset. Seen from another, it is nothing more than a job for the owner, having […]

Filed Under: Consumer Rights, Small business

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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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