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IRS warns of credit counseling fraud

By Cathy Moran

The IRS’s list of its annual “Dirty Dozen” tax frauds includes credit counseling. Credit Counseling Agencies. Taxpayers should be careful with credit counseling organizations that claim they can fix credit ratings, push debt payment plans or impose high set-up fees or monthly service charges that may add to existing debt. The IRS Tax Exempt and […]

Filed Under: Considering Bankruptcy, Newsworthy

Plastic in the Life of our Society

By Cathy Moran

In the flurry before the effective date of BAPCPA, the bankruptcy “deform” act, I encountered two articles on the role of credit cards in the economy of American familes. Borrowing to Make Ends Meet looks at the growth of credit card debt during the 90’s and concludes that the increase in housing and health care […]

Filed Under: Pondering

Katrina as a model for debtors

By Cathy Moran

The enormous devastation wrought by Katrina has prompted a push to delay implementation of the harsh new bankruptcy provisions or to exempt victims of disasters from its more burdensome provisions. What Congress missed, or didn’t care to consider, when it enacted the 2005 bankruptcy bill, is that the lives of most bankruptcy debtors are just […]

Filed Under: Uncategorized

Living in the Valley of the Shadow of Debt

By Cathy Moran

Nearly 40% of California homeowners spend more than the target 30% of their income on housing; 15% spend more than 50%. Therein lies the start of financial instability. Liz Warren’s book on the Two Income Trap identified the quest for schools in better school districts as the reason that two income, middle class families were […]

Filed Under: Pondering

Credit Cards Call the Shots

By Cathy Moran

The arbitrariness of the credit card world is highlighted in a recent Consumer Action study of reasons a credit card issuer can raise the interest rate on your card. Adjacent to “too much debt” as a reason for a rate increase was “too much credit available”! So if you’re a good credit risk in the […]

Filed Under: Uncategorized

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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

Speak Fluent Bankruptcy: Guide To Essential Bankruptcy Terms

Bankruptcy has its own language.  If you are considering filing bankruptcy, it helps to know the language spoken there. Master just a couple of words and phrases, and input from a bankruptcy lawyer starts to make sense. So, in our continuing campaign for better understanding of bankruptcy, here's a dozen … Read more

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