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Bankruptcy Drives Credit Score Surprise

By Cathy Moran

Bankruptcy improved my client’s credit score, almost on the spot. Before bankruptcy, a miserable credit score was no surprise.  This client reported a 498 credit score before he filed. What was surprising is that, three month after he filed bankruptcy, his score was 614! That’s a 116 point increase in his score in three months.  […]

Filed Under: Featured, Life after bankruptcy Tagged With: 2019, credit score

Your Right To Credit Reporting After Bankruptcy

By Cathy Moran

credit report after bankruptcy

You’ve finished your Chapter 13 and emerged from bankruptcy with your home loan current. But your credit report is a blank page as to your mortgage. The mortgage servicer isn’t reporting your payments to the credit reporting agencies [CRA’s].   Nothing. Nada.  Crickets. So, even though you’re making regular payments, you’re not visibly rebuilding your credit. […]

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

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: How bankruptcy works, Life after bankruptcy Tagged With: after bankruptcy, debt collectors, discharge

Damaged Credit Reports Heal

By Cathy Moran

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

The Truth About Tax Liens After Bankruptcy

By Cathy Moran

liens after bankruptcy

We have a lien on your name.  Not your property, your name. That’s what the county tax collector told my client, years after he got his bankruptcy discharge. And that multi-thousand dollar lien claim threatened to sink the refinance of his house. Eventually, we got the county straightened out without going back to bankruptcy court. […]

Filed Under: Consumer Rights, Life after bankruptcy, Taxes Tagged With: 2018, tax lien

Bankruptcy Changes Your Life, Only Not The Way You Think

By Cathy Moran

life after bankruptcy

How will filing bankruptcy change my life? My clients ask all the time.  They imagine the remainder of their life after bankruptcy with neither credit cards nor credit.  Outcasts in our economy.  Shunned by all.  Crippled by bankruptcy. They can see a scarlet “B” tattooed on their foreheads to mark them forever as Bankrupts. My […]

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

Credit Scores Trend Upward After Bankruptcy

By Cathy Moran

After bankruptcy, credit scores go steadily up, says a 17 year study released by  the Consumer Financial Protection Bureau. Got that?  Go UP.  Every year. Importantly,  credit scores start improving the same year that the bankruptcy is filed. Think on that for a moment. Creditors and their shills shout that bankruptcy trashes your credit score;  […]

Filed Under: Featured, Life after bankruptcy Tagged With: 2019, credit scores

Your Bankruptcy Discharge Has Teeth: Bite Back

By Cathy Moran

bankruptcy discharge has teeth

Your bankruptcy discharge is more than a piece of paper.  It’s a federal court order prohibiting action to collect the discharged debt from you. And it has teeth. When creditors ignore a federal court order, it has unpleasant consequences.  Or should have consequences. So, my call to debtors is to stop being prey to unscrupulous debt collectors. […]

Filed Under: Featured, Life after bankruptcy Tagged With: 2016

4 Easy Tips To Prepare For Bankruptcy And Beyond

By Cathy Moran

ready for life after bankruptcy

Ready for life after bankruptcy? Even before your case is filed, you can start preparing for your life after bankruptcy. These four steps will probably  make the bankruptcy case be smoother, too. Change banks Your money on deposit in “your” bank may not be solely yours. If you have a loan or other debt to your […]

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

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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

When Can I File Bankruptcy Again

Remember the old high school cheer:  two, four, six, eight, who do we appreciate? Turns out, that's not just a cheer, it's shorthand for the rule on when you can file bankruptcy again. And it points out that when you can file again depends on what kind of bankruptcy you filed last time. Here's how it … Read more

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