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2019 Reader Favorites From Bankruptcy Soapbox

By Cathy Moran

top bankruptcy posts 2021

It’s always fun to see which posts spoke to readers of Bankruptcy Soapbox during the year. There’s lots to choose from.  After all, we touch on law, personal finance, small business issues, and some just basic matters of operating in this economy. Here, starting with number 10, and working up to your favorite post, are […]

Filed Under: Featured Tagged With: 2019

Retirement Nest Egg: Ostrich Egg Or Quail Egg?

By Cathy Moran

retirement nest egg

Will my retirement nest egg be enough to live comfortably when I’m done working? Living will be slow and my needs will be simple. I look at the growth in my retirement savings, the cost of “things”,  and my life expectancy, and wonder if my savings are sufficient to buy what I’ll need. But, turns out, the analysis is far […]

Filed Under: Consumer Rights Tagged With: 2016

The Parent School Loan

By Cathy Moran

parent loan

  Take a good look at the result of the parent loan for college. Tied up, captive, grimacing. That’s what my client’s situation looks like to me: Mid sixties Kids just graduated Parents liable for $250,000 in loans If college makes the life of the kids, it stands to ruin the lives of the parents. […]

Filed Under: Featured Tagged With: 2016

The Foreclosure That Was Longer Than War & Peace

By Cathy Moran

foreclosure timeline

How much time til foreclosure? Foreclosure is coming.  Whether by choice or circumstances, you know the bank will take the house. Should you start packing immediately? The way banks are currently operating, the answer is:  not yet, not soon, not for a long time. For one of my clients, the answer to how long was well more than […]

Filed Under: Real property & mortgages, True Stories Tagged With: 2015

How To Spend Money Before Filing Bankruptcy

By Cathy Moran

checks float before bankruptcy

Trying to spend down cash before filing bankruptcy? It’s time to talk about the float. Not the root beer float, though that would be more fun. The bank “float”:  the period between writing a check and it clearing your bank. (We’ll talk about what to spend on before filing bankruptcy, too). When you file bankruptcy, […]

Filed Under: How bankruptcy works

Bankruptcy Isn’t The Real Threat To Your Retirement Savings

By Cathy Moran

Your creditors can’t get your retirement savings. In bankruptcy or not, your creditors can’t take money from your formalized retirement savings. California state law and federal bankruptcy law protect your savings for retirement held in recognized retirement vehicles from levy or lien. But retirement savings are at risk. Look in the mirror. You are usually […]

Filed Under: Considering Bankruptcy, Consumer Rights

Pay Off Credit Cards Without Interest And Be Debt Free

By Cathy Moran

The  sixtyish client sitting in my office couldn’t pay off his credit cards, even though he had assets worth 10 times his credit card debt. What could bankruptcy possibly do for someone who was solvent? His assets would be sold in a Chapter 7. Assets but little cash His problem was liquidity and an income […]

Filed Under: Chapter 13, How bankruptcy works, True Stories Tagged With: credit cards

Five Tax Tips For Two Cents

By Cathy Moran

tax tips

The tax filing deadline approaches. So why is a bankruptcy lawyer talking about taxes? I’ve found over three decades as a bankruptcy lawyer that there’s a surprising degree of overlap between bankruptcy and tax . All too often, it’s tax troubles that brings a family to me for help. Here’s my two cents on what […]

Filed Under: Consumer Rights, Taxes Tagged With: 2017, cancellation of debt tax, tax

Do It Yourself Bankruptcy Software Is A Trap

By Cathy Moran

bankruptcy trap

Good intentions and a good education are apparently not enough for Upsolve to get the means test right. Upsolve describes itself as a non-profit, created by Harvard Law School graduates, whose mission is to “help low-income Americans in financial distress get a fresh start through Chapter 7 bankruptcy at no cost.” Admirable, so far. Until […]

Filed Under: Featured Tagged With: 2019

How Consumer Remedies Were Gutted By Little- Noticed Tax Code Changes

By Bill Purdy

tax changes litigants

Tax code changes effective in 2018 inflicted a crippling blow to consumers who must sue to enforce their rights.  And few have yet noticed. The tax deduction for miscellaneous itemized deductions under IRC Section 212 is gone. So now, consumers who prevail under statutes that award attorneys fees to the successful plaintiff are denied a […]

Filed Under: Featured, Taxes Tagged With: 2019, consumer rights

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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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