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Stop Making Quarterly Tax Payments

By Cathy Moran

quarterly tax payment

Uncle Sam expects a quarterly tax payment from the self employed.  Since you don’t get a paycheck with regular tax withholding, the burden’s on you. Lighten the burden. Make this the last quarterly tax payment you pay. Seriously.  Don’t make any quarterly payments for this coming year. Think I’m advocating tax resistance?  No way. The tax collectors […]

Filed Under: Consumer Rights, Taxes Tagged With: self employed taxes

Do California Seniors Need to File Bankruptcy?

By Cathy Moran

California, it turns out, is a great place to retire. Not because of the cost of living, certainly.  In spite of the cost of living. Because California exemptions are very generous to those of retirement age. Those exemptions effectively make many indebted seniors collection-proof. How exemptions protect seniors Exemption laws come from the idea that, […]

Filed Under: Considering Bankruptcy, Consumer Rights

Co Signers Put Themselves In Creditor’s Crosshairs

By Cathy Moran

cosigner in crosshairs

The liability of a co signer is the single most common misunderstanding about the law that I see. Put bluntly, a co-signer is just as liable for the debt as the primary borrower. Co sign someone else’s debt and you put yourself in the creditor’s cross hairs. That should make the hair on the back […]

Filed Under: Consumer Rights Tagged With: 2016

All You Need To Know About Bankruptcy Stay & Pending Litigation

By Cathy Moran

bankruptcy during litigation

When a trial date looms, bankruptcy may look better and better to a defendant. Bankruptcy can be the emergency exit from a bad situation that is about to get worse. That’s because every bankruptcy case comes with an  automatic stay .  That’s  a federal court injunction automatically entered when a bankruptcy case is filed, protecting the […]

Filed Under: Consumer Rights Tagged With: automatic stay, lawsuit

Unicorns, Wookies, And Medical Bankruptcies

By Cathy Moran

What do Unicorns, Wookies, and Medical Bankruptcies  have in common? Each is a figment of our imagination. None of them exists in the real world. Medical bankruptcy does not exist, despite the suggestion in a recent FoxBusiness article, where the author talked about medical bankruptcy contrasted to personal bankruptcy. When it comes to medical bankruptcy, consumers […]

Filed Under: Consumer Rights

Your Tax Refund In The Crosshairs In Debt Collecting Season

By Mike Cardoza

debt collecting season

Who knew that there was a season for debt collecting?  My friend and colleague attorney  Mike Cardoza does.  See what he says. The beginning of the year  through about the end of March is the big season for debt collection! Why? Because collectors are pretty sure that you have some money in your pocket – […]

Filed Under: Consumer Rights, Debt Collection Rights Tagged With: 2018, tax refund

Cut Tax Penalties In Bankruptcy

By Cathy Moran

Get in tax trouble and the tax penalties often grow huge. What starts as a manageable problem can soon tower over you. Breathe deep;  there is a solution. Chapter 13 bankruptcy can cut tax penalties down to size. All tax penalties discharged in 13 Old or new, large or small, Chapter 13 discharges all unsecured […]

Filed Under: Chapter 13, Consumer Rights, Taxes Tagged With: tax penalties

How Does Your Household Budget Measure Up?

By Cathy Moran

The living expenses your paycheck has to cover go on and on. Each dollar is stretched;  each expense clamors for attention. Too often, the expenses go on long after the available money is gone. What seem like immediate needs squeeze out those necessities that only come round occasionally but in big numbers:  car repair, medical incidents, […]

Filed Under: Consumer Rights, Managing Money Tagged With: budget, cost of living, living expenses

The Worst Reason To Choose Debt Settlement Over Bankruptcy

By Cathy Moran

The guy with an old debt asked if bankruptcy or debt settlement would cause greater damage to his “credit”. The money advice columnist gave the right answer to the wrong question. She got it backwards. She advised that bankruptcy was more damaging given that the nagging debts were already three years old and would drop off his […]

Filed Under: Considering Bankruptcy, Consumer Rights, Managing Money Tagged With: credit score, debt settlement

The Bankruptcy Problem Your Lawyer Can’t Fix

By Cathy Moran

what to tell lawyer

Everyone considering bankruptcy faces the question of what to tell their lawyer. Sometimes  it’s a problem you don’t want to face yourself, or a debt your spouse doesn’t know about. The problem even the best bankruptcy lawyer can’t fix is the one you hide. Maybe it’s a claim you hope to bring after the bankruptcy. You’re […]

Filed Under: Consumer Rights, You & your lawyer Tagged With: disclosure, secrets

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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

What Happens To Your Bank Account in Chapter 13

Those considering filing a Chapter 13 bankruptcy worry about "what happens to my bank account?" Will the trustee take all the money? How do I pay my living expenses after I file? The short answer is: nothing changes. The account remains yours and available for all the expenses of day to day living. Because, … Read more

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