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Damaged Credit Reports Heal

By Cathy Moran Leave a Comment

damaged credit

Will filing bankruptcy hurt my credit? Probably. Should that hit to your credit keep from filing bankruptcy?  Not by a long shot. Incredibly, I encounter people drowning in debt who think their credit report is more important than their financial health. Their thinking seems to be that credit, once damaged, is never the same. It’s not […]

Filed Under: Considering Bankruptcy, Featured, Life after bankruptcy Tagged With: credit heals, damaged credit

Comparing Bankruptcy Chapters By Impact on Assets

By Cathy Moran

Chapter 7 v. 13

Will it be Chapter 7 v. 13? After you’ve made the decision to get a fresh start, you need to choose a bankruptcy chapter, usually Chapter 7 or Chapter 13. The choice of chapter is complex, involving many interconnected factors. Here we’re going to compare just the treatment of different kinds of assets in Chapter […]

Filed Under: Considering Bankruptcy, Consumer Rights Tagged With: 2021, chapters

7 Essentials For Better Results From Filing Bankruptcy

By Cathy Moran

before filing bankruptcy

Plan before filing bankruptcy and you get better, more certain relief. Even if you’re not quite sure that you’re ready to take the bankruptcy plunge, scout the bankruptcy territory. Take some time to learn the rules and explore ways to maximize the relief available in bankruptcy. If you don’t plan ahead and just rush into […]

Filed Under: Considering Bankruptcy, Featured Tagged With: 2021, means test

Consider The Clawback of Pre-bankruptcy Transfers Before Filing

By Cathy Moran

bankruptcy clawback

If you don’t understand clawback in bankruptcy, you might think that bankruptcy involves only what you have when you file. But that’s not how it works. Bankruptcy law gives a bankruptcy trustee to power to unwind transactions and transfers that diminish what the debtor has on the day the case is filed. The idea is […]

Filed Under: Considering Bankruptcy, How bankruptcy works Tagged With: 2022, avoidance, fraudulent transfer, preference

Do I Have To File Bankruptcy Before There’s A Judgment?

By Cathy Moran

california bankruptcy

Can I discharge a judgment once it’s entered, was the first question the caller asked. Do I have time to file bankruptcy? The caller was sure he had to file bankruptcy before the court entered judgment or he’d be stuck with the judgment forever. Not so. Bankruptcy discharges judgments. And,  a judgment in California does […]

Filed Under: Considering Bankruptcy, Strictly California Tagged With: bankruptcy, discharge, judgment

Surefire Steps To Avoid Bankruptcy

By Cathy Moran

Most people would rather parade naked down Main Street than file bankruptcy. Bankruptcy makes them feel exposed, defeated, ashamed. They’ll do anything to avoid bankruptcy. If you don’t want to go there, you can order your life so you don’t ever need bankruptcy relief from debts you can’t pay. I’ve figured out the formula that assures […]

Filed Under: Considering Bankruptcy, Featured

Hold Or Fold? How To Decide If Filing Bankruptcy Is Right For You

By Cathy Moran

considering bankruptcy

You’ve got to know when to hold ’em, know when to fold ’em; know when to walk away, know when to run… So goes the gambler’s advice to the young card player in the hit Kenny Rogers song. Hum along as we think about how we play our cards when we’re in debt: the hardest call is […]

Filed Under: Considering Bankruptcy, Consumer Rights Tagged With: bankruptcy and poker, hold or fold

Bankruptcy Is Not Your Last Resort

By Cathy Moran

bankruptcy choice

Every personal finance guru intones that “bankruptcy is the last resort.” In my opinion, they have it wrong: bankruptcy is the big gun in getting out of a financial mess. But it shouldn’t be the last thing you try to get financially healthy. You shouldn’t mess around with lesser solutions if they don’t fit. Some […]

Filed Under: Considering Bankruptcy, Consumer Rights Tagged With: 2017

What’s So Scary About Bankruptcy?

By Cathy Moran

It’s Halloween and we indulge in make-believe scary moments and call it fun. In real life,  fear isn’t so fun. People up to their eyeballs in debt are scared witless by the thought of filing bankruptcy. It frightens them more than haunted houses, ghouls, and blood-soaked bodies. So really:  what’s so scary about filing bankruptcy? […]

Filed Under: Considering Bankruptcy, Featured Tagged With: considering bankruptcy

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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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