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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, Featured Tagged With: bankruptcy and poker

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

Is It Too Late For Bankruptcy?

By Cathy Moran

file bankruptcy`

Worried that it’s too late to file bankruptcy? You’ve put off considering bankruptcy, hoping to tough it out, or hoping for a miracle. But at some point, time runs out:  you’ve been served with a lawsuit;  judgment has been entered against you; or even, a garnishment appears on your paycheck. Is it too late to […]

Filed Under: Considering Bankruptcy, Consumer Rights

Stupid Moves Before Seeing A Bankruptcy Lawyer

By Cathy Moran

before bankruptcy

Don’t tidy up your financial affairs before consulting a bankruptcy lawyer. Your current mess may present opportunities to plan your bankruptcy for a better outcome. You may waste money or lose bankruptcy options when you make last minute changes to your situation without understanding how that situation plays out in bankruptcy. You’ll have the widest set […]

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

What Everyone Knows About Bankruptcy: Not

By Cathy Moran

torture device

Lots of people profess to know all about bankruptcy. Whether they have good information or not. But other professionals should know better than to advise people about the workings of bankruptcy. And if they don’t know better, they should be made to pay, in some exquisitely painful way, for the harm they inflict. The rack […]

Filed Under: Considering Bankruptcy, How bankruptcy works, True Stories

Six Rotten Excuses Not To File Bankruptcy

By Bill Purdy

Six Rotten Excuses Not To FIle

I am not a bankruptcy attorney. I never have been.  I am a mortgage law attorney. But in the current financial climate, I see clients in my office daily who desperately need to file bankruptcy…And they won’t. The reasons they give, and the parade of horrors they’ve built up in their minds about bankruptcy, are heart-felt, […]

Filed Under: Considering Bankruptcy, How bankruptcy works Tagged With: guest post

Better To Live With Debts Than File Bankruptcy?

By Cathy Moran

living in debt

Locked up in debt? Should you file bankruptcy? Or, is it better to live with your debt and keep making minimum payments? Does life get better or worse if you file bankruptcy? That question sums up most people’s fears about shedding their debt through bankruptcy. What will life be like, after bankruptcy? Good questions.  And I […]

Filed Under: Considering Bankruptcy, Consumer Rights Tagged With: 2016

How Filing Bankruptcy Can Benefits Your Heirs

By Cathy Moran

Elders in California enjoy enhanced state exemptions that protect them from debt collectors. Those protections often make it unnecessary for a debt-laden senior to file bankruptcy. But no one talks about one consequence of relying on exemption law to fend off creditors. California exemption laws that  fully protect the assets of seniors provide no protection to the heirs. […]

Filed Under: Considering Bankruptcy, Strictly California

When Is The Time Right To File Bankruptcy

By Cathy Moran

time to file bankruptcy

Just like stand up comedy and batting in baseball, filing bankruptcy is all about timing. Timing your bankruptcy filing is no different. File bankruptcy too early, or too late, and you risk losing assets or advantages that better timing could have assured. Admittedly, you don’t always have the luxury of filing bankruptcy on your own […]

Filed Under: Considering Bankruptcy, Featured Tagged With: 2020, when to file 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

The Biggest Lie About Bankruptcy

Read anything about Chapter 7 and you get, "Your possessions are sold in Chapter 7 bankruptcy." That is, flat out, the biggest lie about bankruptcy. It's a liquidation proceeding and your stuff will be sold to pay creditors, the lie goes on. No wonder people are scared off from getting relief from debts … Read more

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Redwood City, CA 94063
Phone: (650) 694-4700

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