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Drive-in bankruptcy?

By Cathy Moran

We got a call about three o’clock the other afternoon from someone who wanted to come in that afternoon and file bankruptcy that day. When my partner hesitated, the caller responded, “Well , you are open now aren’t you?” I had a mental image of one of those parking lot, drive up coffee vendors, selling […]

Filed Under: How bankruptcy works, True Stories

Discharged Debts Don’t Bar Chapter 20 Lien Strip

By Cathy Moran

Underwater liens that linger after an earlier bankruptcy don’t count in Chapter 13. At least, they don’t count against the unsecured debt limit that restricts entry into Chapter 13, says the 9th Circuit Bankruptcy Appellate Panel in Free. Great news for homeowners for whom Chapter 13 was not initially available because they exceeded the debt limits. […]

Filed Under: Chapter 13, How bankruptcy works, Real property & mortgages

Means Test & Taxes: Look Backward Or Forward

By Cathy Moran

One of the mysteries of the universe (well, sorta) was answered for me by my least favorite authority. The United States Trustee wanted to adjust the taxes incurred on the bankruptcy means test form to be taxes as they were projected to be in the future. Fine by me. My position has always been that current […]

Filed Under: How bankruptcy works, Means test

Bankruptcy Alphabet: S is for Strip

By Cathy Moran

S is for Strip in my bankruptcy alphabet

S is for Strip in my Bankruptcy Alphabet.  Bankruptcy lawyers delight in stripping liens from people’s homes. In any chapter of bankruptcy, a debtor can void judgment liens that have attached to assets that would otherwise be exempt. In Chapter 13, tax liens and other statutory liens can be stripped off the asset if there […]

Filed Under: ABC's of bankruptcy, How bankruptcy works, Real property & mortgages

Keep Your Tax Refund Despite Filing Bankruptcy

By Cathy Moran

Bankruptcy and your tax return

Usually, we’re touting pre bankruptcy planning:  know what’s exempt, what debts will survive bankruptcy, and arrange your affairs to lose as little as possible to a bankruptcy trustee. There’s one bit of tax and bankruptcy planning that you can do after you file bankruptcy.  That’s despite the fact that bankruptcy is generally a snapshot of […]

Filed Under: How bankruptcy works

Tugging On Superman’s Cape

By Cathy Moran

When a Chapter 13 trustee complains that the means test is not easy to administer when only one spouse files, should I be sympathetic? After all, Chapter 13 confirmation is often a negotiation on disputed issues between the trustee and debtor’s counsel. Here’s what I said recently at ConsiderChapter13.org on that issue. Come on, Madame […]

Filed Under: Chapter 13, How bankruptcy works

Terminate Cell Phone Penalties in Bankruptcy

By Cathy Moran

I’m accustomed to advising those on the verge of filing bankruptcy about big ticket debts like mortgages, student loans, and back taxes. I was surprised when a client, resigned to letting her house go to foreclosure after the bankruptcy, was absolutely delighted to know that she could free herself from her unhappy relationship with Verizon Wireless […]

Filed Under: How bankruptcy works, True Stories

The Most Important Bankruptcy Decision Of 2013

By Cathy Moran

  A bankruptcy case nominally about  travel trailers, ATV’s, and a car for a an adult child gets my vote as the most important bankruptcy decision of 2013 for Californians. When the 9th Circuit decided Welsh, it told us, and Chapter 13 trustees, that you take your Chapter 13 debtors as you find them. If you […]

Filed Under: Chapter 13, How bankruptcy works

The Living Trust: Can You Trust It To Protect You?

By Cathy Moran

Today’s post comes from Los Angeles area bankruptcy lawyer Mark Markus. The Revocable Living Trust. Everyone’s got one, but few can tell you what it does for them. And those who can tell you, often have it wrong. People create these trusts, stick their home, bank accounts, and other assets in them and move on. […]

Filed Under: How bankruptcy works

Bankruptcy Exemption Bill Changes More Than Dollar Amounts

By Cathy Moran

crtches

An odd quirk in California’s bankruptcy exemptions was eliminated when the exclusion for pain and suffering damages was deleted by the legislature. Before January, 2013, someone filing bankruptcy could exempt money recovered for a personal injury up to $17,425.  But no part of any recovery for pain and suffering associated with that injury was exempt. […]

Filed Under: How bankruptcy works, Real property & mortgages Tagged With: exemptions

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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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