Look at the big picture. That was the point Adam Savage of the TV show Mythbusters made as the speaker at my son’s graduation as a mechanical engineer. He was talking about using engineering skills after college. But, it struck me as equally applicable to my audience of the indebted as it was to his audience of newly fledged engineers. […]
Business Bankruptcy Depends On Who You Are
While knowing who you are may be central to philosophy and mental health, you wouldn’t think it poses a difficult question in a business bankruptcy. You wouldn’t think the word “you” would be so challenging. Yet, small business owners find it hard to separate themselves from the business, even when that business is incorporated. After […]
The Flat Wrong 1099
When her soon-to-be-ex filed bankruptcy, my client got a 1099-C for the joint credit card. The form claimed that the debt was cancelled. Therefore, she had additional income equal to the card balance. Only, none of the statements on the 1099 were true. The debt wasn’t discharged as to the non filing spouse. One spouse’s […]
Is Your Choice Of Bankruptcy Chapters Really Dictated By Your Stuff?
Through my Twitter feed came a link to the pro’s and con’s of filing bankruptcy from the business section of the Chicago Tribune. Good chance to see how non lawyers see my world, I thought. Bankruptcy was all about protecting “stuff”, said the writer, and the choice of chapters is driven by the kind of […]
Best Bankruptcy Advice of The Year
Readers of Bankruptcy Soapbox vote for their favorite bits of bankruptcy and money advice with their eyeballs. I’ve tallied the eyeballs on the 48 posts written in 2018, and, cue the fanfare, present the top 10 most-read new posts for 2018. And in fact, this advice will stand you in good stead in 2019. […]
Credit Reporting Agency Is All Wrong About Bankruptcy
Found a mistake in your credit report after bankruptcy? Happens all too frequently. But a major credit reporting agency is flat wrong on its advice on how to debts discharged in bankruptcy reported properly. The cynical side of me is not surprised. They get so little else right, why do I expect them to write truthfully […]
Tax Filing Extension Invites Tax Trouble For The Self Employed
We never make tax deposits for our small business because we don’t know what we’ll owe. We just wait til the return is prepared and try to pay then, he explained. But, again this October, he couldn’t write a tax check for a year’s worth of income. So the client sitting across the table from […]
Why Keep Bankruptcy Off Your Credit Record
We’ll help you do your own bankruptcy, promises the ad. And for a few dollars more, we’ll sell you the secret to keep your bankruptcy off your credit record. That pitch plays neatly into the obsession that we have about our credit reports. Even when your financial world is upside down. But this pitch has it […]
We’re Now In Redwood City
Moran Law Group has packed up and moved to Redwood City! Effective October 1, 2018, Cathy and Renee are holding forth at 643 Bair Island Road, Suite 403, Redwood City. Our phone number and email addresses are the same. We’re sharing our San Mateo county office with two good friends and marvelous bankruptcy lawyers, Jeff […]
If The IRS Comes Calling After Your Bankruptcy Discharge
It’s scary, or infuriating, when the IRS continues to try to collect taxes discharged in bankruptcy. What was the point of filing bankruptcy if the government ignores your discharge? Yet IRS attempts to collect taxes from people with a bankruptcy discharge form the single largest group of cases in my law office today. Why the […]
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