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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: Credit, Featured, Life after bankruptcy Tagged With: 2019, credit score

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

When Debt Collectors Won’t Stop, Despite Bankruptcy

By Cathy Moran

Get a collection notice after you’ve filed bankruptcy and after you’ve gotten a discharge, and it’s easy to be distressed. You’ve taken the hard step to get a fresh start, and it appears not to have worked. It’s easy to assume that the collector has a right to its money.  Easy, too, to assume their […]

Filed Under: Consumer Rights, Life after bankruptcy

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: Credit, Life after bankruptcy, Real property & mortgages Tagged With: 2017, credit reporting

Tax Liens Live On After Bankruptcy, Unless….

By Cathy Moran

You mean the tax liens won’t  go away when I get a bankruptcy discharge? The client was startled that the lien would live on beyond his bankruptcy. So, if all my debt doesn’t go away, what do I get from the bankruptcy discharge?  he asked. I thought the tax debt went away when I filed. […]

Filed Under: Featured, Life after bankruptcy, Taxes, True Stories

The Judgment Lien That Escaped Your Bankruptcy

By Cathy Moran

forgotten lien

What do you do when you discover old judgment liens on your home long after you filed bankruptcy? Your bankruptcy case is closed. You’re recovering nicely. Then you find there’s a judgment lien on your house that you didn’t know about. And the law says that liens survive a bankruptcy case, unless the bankruptcy court […]

Filed Under: Life after bankruptcy, Real property & mortgages

Ten Debts That Follow You After Bankruptcy

By Cathy Moran

debts after bankruptcy

Some debts just follow you out of bankruptcy. Not many but a few. These debts continue to be collectible even after a Chapter 7 discharge.  The discharge in Chapter 13 is different and broader:  just another reason to choose Chapter 13. 1.   Family support Regardless of what it’s called, court ordered payments for support […]

Filed Under: Consumer Rights, Life after bankruptcy Tagged With: 2017, debts 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 […]

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

Is There Life After Bankruptcy?

By Cathy Moran

after bankruptcy

Is bankruptcy worth it? If you see filing bankruptcy to get a fresh start as painful or less than honorable, you might wonder what life is like, on the other side of bankruptcy. What’s the return on taking the big step? I got a report from the other side this week from a Chapter 7 […]

Filed Under: Considering Bankruptcy, Consumer Rights, Life after bankruptcy, True Stories

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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

High Income Earners Pass Bankruptcy’s Means Test

ALERT:   Being above the median income on the means test is not an automatic bar to filing bankruptcy I'm so used to railing against deliberate campaigns of misinformation about bankruptcy that I forget that there's a lot of innocent ignorance out there. Start with "qualifying" for bankruptcy. A very … Read more

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