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Debt settlement: how it really works

By Cathy Moran

Debt settlement companies thrive on tapping the consumer’s genuine desire to pay back their debts. They don’t tell you how debt settlement works, in reality. They promise that they will compromise with your creditors for a sizable discount and all will be well with the world. There are any number of reasons that isn’t so, […]

Filed Under: Consumer Rights, Debt Collection Rights, True Stories

Life After Bankruptcy: What’s It Really Like?

By Cathy Moran

life after bankruptcy

What’s life really like after bankruptcy? Everyone suffering through financial difficulties wants to know whether filing bankruptcy just trades one form of pain for another. Will you be shut out of the American dream forever?  Unable to function in a world centered on electronic payments? Here’s a collection of our best stories and advice on […]

Filed Under: Consumer Rights, Life after bankruptcy Tagged With: 2018, life after bankruptcy

Deal With Your Taxes After Bankruptcy

By Cathy Moran

taxes after bankruptcy

When you’ve still got taxes after bankruptcy, things can get complicated. That’s because some taxes got discharged in bankruptcy, while others may live on. The taxes that live on get an extension on their life span. And liens after Chapter 7 just keep on chugging. So let’s make sense of taxes after bankruptcy. Which taxes […]

Filed Under: Consumer Rights, Taxes Tagged With: 2022, tax liens, taxes

SBA Loans Collectible Long Past Business Failure

By Cathy Moran

SBA collection

The SBA has eagle eyes and sharp talons when it comes to collecting from guarantors of business loans. SBA collection rights are ruthless, efficient, and ageless. So I learned when a client consulted me about a business that had failed 12 years ago. Yet the SBA had never sued him, nor had it filed a […]

Filed Under: Consumer Rights, Small business Tagged With: 2020, business debt, SBA

Damaged Credit Heals

By Cathy Moran

damaged credit

Will filing bankruptcy hurt my credit? Probably. [Keep reading, there’s more.] 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 […]

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

When You’re Behind On Your Car Loan

By Cathy Moran

car loan

Are you looking over your shoulder for the repo man every time you park your car? You’re not alone. Delinquent car loans are on the rise:  almost 1 in 20 vehicle loans are in default. If you’re in that group of Americans struggling to pay for your wheels, there are solutions in bankruptcy. If you […]

Filed Under: Consumer Rights Tagged With: 2017, car loan

How To Pay For Bankruptcy When You’re Flat Broke

By Cathy Moran

paying for bankruptcy

One of the cosmic ironies of our legal system is that it costs money to file bankruptcy. Bankruptcy gets you out of debt only if you have the money to file. The costs of bankruptcy include the filing fee collected by the court; the required credit counseling; and, if you’re smart, an experienced lawyer to […]

Filed Under: Consumer Rights

5 Free Tools To Fight A Debt Collector

By Cathy Moran

debt collection rights

When a debt collector calls, the conversation often seems all too one-sided. The collector makes impossible demands.  Nothing you say penetrates. Including your assertion that you don’t recognize the collector, the debt, or any legal responsibility for paying. Or maybe you recognize the debt but simply don’t have the money to deal with old debt […]

Filed Under: Consumer Rights, Debt Collection Rights

How to fight back against EDD’s Form 1099G

By Bill Purdy

erroneous tax form1099

By William Purdy Got an EDD tax form 1099G but no benefits? At this moment, POTENTIALLY hundreds of thousands of California taxpayers are enjoying the ghastly experience of receiving a Form 1099G courtesy of the California EDD for unemployment benefits the taxpayer never received. ABC News reported the EDD has admitted to paying as much […]

Filed Under: Consumer Rights, Taxes Tagged With: 2021, identity theft

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: do you file bankruptcy […]

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

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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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