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Is Your Choice Of Bankruptcy Chapters Really Dictated By Your Stuff?

By Cathy Moran

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 […]

Filed Under: Considering Bankruptcy, Consumer Rights Tagged With: choice of chapters

Best Bankruptcy Advice of The Year

By Cathy Moran

best bankruptcy advice

  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. […]

Filed Under: Consumer Rights Tagged With: 2018

Credit Reporting Agency Is All Wrong About Bankruptcy

By Cathy Moran

credit report mistake

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 […]

Filed Under: Consumer Rights, Life after bankruptcy Tagged With: 2017

Tax Filing Extension Invites Tax Trouble For The Self Employed

By Cathy Moran

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 […]

Filed Under: Consumer Rights, Small business Tagged With: discharge taxes, quarterly tax deposit, tax filing extension

Why Keep Bankruptcy Off Your Credit Record

By Cathy Moran

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 […]

Filed Under: Consumer Rights Tagged With: 2018

We’re Now In Redwood City

By Cathy Moran

Moran Law Group

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 […]

Filed Under: Consumer Rights Tagged With: 2018

If The IRS Comes Calling After Your Bankruptcy Discharge

By Cathy Moran

tax after bankruptcy

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 […]

Filed Under: Consumer Rights, Taxes Tagged With: 2018

Divorce And The Ticking Debt Bomb

By Cathy Moran

Debts of the marriage often outlive the marriage itself. And, those left-over debts are nothing but trouble. But too often, divorcing couples don’t mop up the joint debts they held during the marriage, only to have the situation blows up years later when one ex-spouse hits financial trouble. Here’s a true story that illustrates the danger. […]

Filed Under: Consumer Rights, Family Law, True Stories

3 Real Reasons Chapter 13 Plans Fail

By Cathy Moran

chapter 13 success

  Two out of three confirmed Chapter 13 cases fail.  Those are cases that met all the tests and got the judge’s OK. And still they crater. That’s a heap of people, deeply in debt, who don’t make it out of debt by using Chapter 13. Arizona bankruptcy lawyer John Skiba has a theory about […]

Filed Under: Chapter 13, Consumer Rights

Second Best Reason To Contribute To Retirement Fund Even If You’re In Debt

By Cathy Moran

retirement savings in bankruptcy

We’re not used to applauding those who are second-best.  But I’m going to try. The second-best reason to make regular contributions to your IRA or 401(k) is that even if you file bankruptcy you can continue saving for retirement. Whooo hooo! Courts have struggled with whether payments into retirement plans are reasonable and necessary living […]

Filed Under: Consumer Rights Tagged With: 2018

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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

Cheat Sheet For Passing Bankruptcy Means Test

The bankruptcy means test has a fatal weakness in its attempt to keep people out of bankruptcy. Like so much recently, it's health care. It's health care, in the future, to be paid before your creditors get any money in your bankruptcy. It works because, in a logic that only Congress could employ, the means … Read more

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