• Home
  • Bankruptcy in Brief
  • ABC’s of Bankruptcy
  • Considering Bankruptcy
  • True Stories
  • Chapter 13
  • Blog
  • About Us

Northern California Bankruptcy Lawyer

On The Bankruptcy Soapbox

The Soap Box
  • How bankruptcy works
  • Mortgage Matters
  • Consumer Rights
  • Newsworthy
  • You & Your Lawyer
  • Small Business
  • Family Law

Bankruptcy Drives Credit Score Surprise

By Cathy Moran

Bankruptcy improved my client’s credit score, almost on the spot. Before bankruptcy, a miserable credit score was no surprise.  This client reported a 498 credit score before he filed. What was surprising is that, three month after he filed bankruptcy, his score was 614! That’s a 116 point increase in his score in three months.  […]

Filed Under: Credit, Featured, Life after bankruptcy Tagged With: 2019, credit score

Your Right To Credit Reporting After Bankruptcy

By Cathy Moran

credit report after bankruptcy

You’ve finished your Chapter 13 and emerged from bankruptcy with your home loan current. But your credit report is a blank page as to your mortgage. The mortgage servicer isn’t reporting your payments to the credit reporting agencies [CRA’s].   Nothing. Nada.  Crickets. So, even though you’re making regular payments, you’re not visibly rebuilding your credit. […]

Filed Under: Credit, Life after bankruptcy, Real property & mortgages Tagged With: 2017, credit reporting

Credit Scores Trend Upward After Bankruptcy

By Cathy Moran

  After bankruptcy, credit scores go steadily up, says a 17 year study released by  the Consumer Financial Protection Bureau. Got that?  Go UP.  Every year. Importantly,  credit scores start improving the same year that the bankruptcy is filed. Think on that for a moment. Creditors and their shills shout that bankruptcy trashes your credit […]

Filed Under: Credit, Featured, Life after bankruptcy Tagged With: 2019, credit scores

Can You Get A Car Loan After Bankruptcy?

By Cathy Moran

car loan after bankruptcy

Wheels are essential for most of us to get to work. And whatever you’re driving when you file bankruptcy will need to be replaced at some point. So, how are you going to finance that next car if you’ve just filed bankruptcy and face 7-10 years with the bankruptcy on your credit report? The credit […]

Filed Under: Consumer Rights, Credit, Life after bankruptcy Tagged With: 2016

Coronavirus & Your Finances

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

High Income Earners Pass Bankruptcy’s Means Test

ALERT:   Being above the median income on the means test is not an automatic bar to filing bankruptcy I'm so used to railing against deliberate campaigns of misinformation about bankruptcy that I forget that there's a lot of innocent ignorance out there. Start with "qualifying" for bankruptcy. A very … Read more

More Posts from this Category

643 Bair Island Road
Suite 403
Redwood City, CA 94063
Phone: (650) 694-4700

Categories

All content copyright © Moran Law Group. All rights reserved.