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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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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

What Happens To Your Bank Account in Chapter 13

Those considering filing a Chapter 13 bankruptcy worry about "what happens to my bank account?" Will the trustee take all the money? How do I pay my living expenses after I file? The short answer is: nothing changes. The account remains yours and available for all the expenses of day to day living. Because, … Read more

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