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My Wildly Biased Choices For Best Posts Of 2017

By Cathy Moran

Soapbox favorites of 2017

Readers got their say earlier when I showcased the 10 most popular new posts on Bankruptcy Soapbox for 2017; now it’s my turn to spotlight the best bankruptcy advice of the year. In my opinion. They were posts that touched subjects important to me and, hopefully,  important and useful to you. How Bankruptcy Changes Your […]

Filed Under: Featured Tagged With: 2017

Best Of 2017: Reader Favorites On Bankruptcy Soapbox

By Cathy Moran

Best of 2017

I tallied up reader favorites from the 2017 posts on Bankruptcy Soapbox.  The balloting is a bit unfair, since the fall and winter posts haven’t had the same exposure that posts from earlier in the year. But take note:  the runner up is only about 8 weeks old. Your favorites, in reverse order: 10.  Making […]

Filed Under: Featured Tagged With: 2017

How Avoiding Probate Ended Up In Bankruptcy

By Cathy Moran

Do it yourself seems so industrious and self reliant. And we’ve been bombarded with books, speeches and courses on the evils of probate. So, I guess it should be no surprise when people try DIY  schemes to both avoid probate and avoid lawyers who create probate-avoiding trusts. Yet they forget an unavoidable truth:  the transfer […]

Filed Under: Featured, True Stories

Loan Modification: The $100,000 Mistake

By Cathy Moran

loan payoff

    The job of a mortgage servicer is to collect loan payments and keep track of what’s owed on the mortgage.  That shouldn’t be too hard. But the evidence is that they don’t do that basic job very well. Throw a loan modification into the mix, and who knows what you’ll get. Accounting for modification […]

Filed Under: Real property & mortgages, True Stories

Getting A Loan Modification Is Only Half The Fight

By Bill Purdy

loan modification battles

Loan modification troubles persist, long after the loan modification. For all of you who stressed, strained, fretted, wheedled, worried, fought, kicked, and even gouged to finally wrest a loan modification from the lender/servicer that controls of your home loan, I have a message. The fight may not be over. “We Don’t Have Any Record of […]

Filed Under: Real property & mortgages Tagged With: 2017

Locked Out Of Court: The Not-So-Fine-Print Arbitration Clause

By Donald Petersen

arbitration agreements

Equifax and the CFPB have teamed up, sort of, to focus attention on consumer rights when dealing with huge consumer businesses.  Equifax, alongside Wells Fargo of the millions of unauthorized bank accounts, want to limit their customers’ access to the legal system.  Their boilerplate agreements prohibit customers banding together in class actions, and lock individual […]

Filed Under: Featured Tagged With: 2017

How Their Telephone Can Ruin Elders

By Cathy Moran

elders with debts

The elderly couple was suddenly in financial trouble. The two mortgages on their home were a couple of months delinquent. Their bank account had just been levied by the state taxing authority. They hadn’t filed tax returns in several years. From the outside, it didn’t seem like anything had changed.  Yet their financial world was […]

Filed Under: Consumer Rights, True Stories Tagged With: debt collection, elders, seniors

Tax Tidbits As Filing Deadline Approaches

By Cathy Moran

tax filing

If you got an extension to file your tax return, and tax filing time has arrived, you may need some moral support and some reliable information to get the job done right and on time. This site often focuses on taxes, not because we are tax professionals, but because tax troubles are one of the […]

Filed Under: Taxes Tagged With: 2017

3 Things Turn Off This Bankruptcy Lawyer

By Cathy Moran

Looking to find a bankruptcy lawyer. Then you need to know what makes a good bankruptcy client. A good bankruptcy lawyer doesn’t waste time with some kinds of prospective clients. TThat’s because an experienced bankruptcy lawyer can see trouble from the start. So what would make a bankruptcy specialist turn down work? That is, other […]

Filed Under: Featured, You & your lawyer Tagged With: 2016

The Government Loans That Bankruptcy Wipes Out

By Cathy Moran

Believe it or not, certain unsecured loans from government entities are dischargeable in bankruptcy. This includes SBA loans, and loans made through The Department of Veteran’s Affairs (VA), Department of Housing and Urban Development (HUD) and others. That’s the good news. What is CAIVRS and How is it a Problem? The bad news is that […]

Filed Under: How bankruptcy works

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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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