• Home
  • Bankruptcy in Brief
  • ABC’s of Bankruptcy
  • Considering Bankruptcy
  • True Stories
  • Chapter 13
  • Blog
  • About
  • TOC

Northern California Bankruptcy Lawyer

On The Bankruptcy Soapbox

The Soap Box
  • How bankruptcy works
  • Mortgage Matters
  • Consumer Rights
  • Newsworthy
  • You & Your Lawyer
  • Small Business
  • Family Law

Damaged Credit Reports Heal

By Cathy Moran Leave a Comment

damaged credit

Will filing bankruptcy hurt my credit? Probably. 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 the same. It’s not […]

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

Does Debt Discharged In Bankruptcy Stay Gone Forever?

By Cathy Moran

debt discharged in bankruptcy

Can debt bankruptcy in bankruptcy come back to haunt me? Worried clients ask me this all the time, fearful that the relief they get from their creditors in bankruptcy is only temporary. The short answer is no. The automatic stay that stops collectors when you file bankruptcy is replaced, at the end of the case, […]

Filed Under: Featured Tagged With: debt collectors, discharge

Ignoring a Lawsuit Against You Is Seldom A Good Thing

By Cathy Moran

ignore lawsuit

How do you ignore a lawsuit and expect a good outcome? Yet twice in the past few months, individuals have come to me with judgments outstanding. That’s not noteworthy; after all, I’m a bankruptcy lawyer. We deal with unpaid judgments. But both of these men explained the situation this way: the claims of the lawsuit […]

Filed Under: Featured Tagged With: 2021, collection, lawsuit

Bankruptcy And Divorce Collide: The Threatened Filing

By Cathy Moran

My soon-to-be ex threatens to file a bankruptcy tomorrow and get me kicked out of the house. The frantic voice on the phone wanted to know whether he could do that in California. Or better, how he could be stopped from upsetting the pending divorce through the bankruptcy courts. Welcome to the volatile collision between bankruptcy and […]

Filed Under: Family Law, Featured Tagged With: variables

New Bankruptcy Trends From An Old Hand

By Cathy Moran

bankruptcy trends

I’m seeing a real change in the people seeing me about filing bankruptcy. Used to be, the problem was credit card debt, unemployment, or divorce. A surprising trend over the past six months is developing. I acknowledge the sample size is small.  Statistically, you can challenge the significance, but here are the trends. My office is […]

Filed Under: Featured, True Stories Tagged With: 2017

4 Compelling Reasons To File The Tax Return Even If You Can’t Pay

By Cathy Moran

Should you file the tax return if you can’t pay the tax? You got to the bottom of your tax return and the amount you owe is bigger than your checkbook balance. Scared of filing the return for fear of immediate collection action? Scared of even calculating how much you owe?  think an extension of […]

Filed Under: Featured, Taxes Tagged With: 2016

Debt Limits Increase For Chapter 13 Bankruptcy

By Cathy Moran

bankruptcy debt limits

New debt limits for Chapter 13 become effective on April Fool’s Day, 2022. The new numbers are effective for cases filed after April 1, 2022 and will control for the next 3 years. And those limits are: Unsecured debt = $ 465,275 Secured debt = $1,395,875 In the Bay Area with its eyepopping mortgage balances, that […]

Filed Under: Chapter 13, Featured Tagged With: 2019, bankruptcy debt limits, chapter 13

Time Running Out on 2018 Tax Refunds

By Cathy Moran

tax refund 2018

Expecting a tax refund for an old tax year but haven’t filed the return yet? Time’s running out. If you are more than three years late in filing your tax return, you forfeit any tax refund that you would otherwise get. The IRS still has $1.5 BILLION in unclaimed refunds for tax year 2018 but […]

Filed Under: Featured, Taxes Tagged With: 2022, tax refund, unfiled tax returns

Tax Tips & Tidbits To Pay Less

By Cathy Moran

tax tool roundup

Tax filing deadline approaches, so I thought we’d gather up tax tips and little known tax strategies, especially useful if you’ve filed bankruptcy. The Tax Deduction No One Tells You About If you are paying mortgage interest, state taxes, back support, or business debt through a Chapter 13 plan, those payments made by the trustee […]

Filed Under: Featured, Taxes Tagged With: 2016

  • 1
  • 2
  • 3
  • …
  • 15
  • Next Page »
Coronavirus & Your Finances

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

Speak Fluent Bankruptcy: Guide To Essential Bankruptcy Terms

Bankruptcy has its own language.  If you are considering filing bankruptcy, it helps to know the language spoken there. Master just a couple of words and phrases, and input from a bankruptcy lawyer starts to make sense. So, in our continuing campaign for better understanding of bankruptcy, here's a dozen … Read more

More Posts from this Category

643 Bair Island Road
Suite 403
Redwood City, CA 94063
Phone: (650) 694-4700
Phone: (650) 368-4700

Categories

All content copyright © Moran Law Group. All rights reserved.