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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

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

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 from before your bankruptcy that you didn’t know about. And the law says that liens survive a bankruptcy case, […]

Filed Under: Featured, Life after bankruptcy

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

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

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

Forgiveness Starts At Home

By Cathy Moran

The need for forgiveness in bankruptcy extends beyond forgiving debts. Kansas City bankruptcy lawyer Rachel Foley wrote about forgiveness in the bankruptcy context. She wasn’t talking about the forgiveness of debt, but about the negative emotions that can eat you up. Shed the anger at others who threaten your family’s well being, she counseled, and […]

Filed Under: Consumer Rights, Life after bankruptcy

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

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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

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

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