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Chapter 13 trustees, money and goodwill

By Cathy Moran

Date line:  July, 2008 I’ve spent the last three days at the annual meeting of the National Association of Chapter 13 Trustees in San Francisco. Strewn through the convention site are banners thanking those who have contributed money to put on the gathering of Chapter 13 trustees. Those three sponsors at this event are exclusively […]

Filed Under: Pondering

It feels like a profession

By Cathy Moran

Too often, practicing bankruptcy law feels pretty unrewarding. The money is poor, the clients often uncooperative, and the idiocy of the 2005 bankruptcy amendments overwhelming. Then there are lawyers on the other side who are mean spirited, less than honest, and indifferent about the ideals of the profession. But I just returned from the Sacramento […]

Filed Under: Pondering

One Year of “Reform”

By Cathy Moran

The Bankruptcy Abuse Prevention and Consumer Protection Act became effective little more than a year ago. The net of our experiences thus far with the amended Bankruptcy Code is that bankruptcy relief remains widely available. What has been sacrificed is economy and predictability. Lawyers and judges struggling with applying the statutes amended by BAPCPA find […]

Filed Under: Pondering

Living in the Valley of the Shadow of Debt

By Cathy Moran

Nearly 40% of California homeowners spend more than the target 30% of their income on housing; 15% spend more than 50%. Therein lies the start of financial instability. Liz Warren’s book on the Two Income Trap identified the quest for schools in better school districts as the reason that two income, middle class families were […]

Filed Under: Pondering

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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

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