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7 Keys To Keeping Your House: Chapter 13 After You File

By Cathy Moran

keep the house

Filing Chapter 13 bankruptcy stops the foreclosure.  You’ve protected your home, for the moment. Bankruptcy gets you a sheltered legal environment to address the problems with your mortgage. You heave a sigh of relief. But the fight to keep your house isn’t over, just because there’s a stay.  You’ve just gotten through the first round. […]

Filed Under: Chapter 13, Real property & mortgages Tagged With: 2019, chapter 13, keep the house

Before You List Your Home For Sale: The Essential First Task

By Cathy Moran

Selling your home?   Before you list your home, before you interview a realtor, before you lift a paint brush, or clean a closet, you need to write a letter. A letter to the servicer of your mortgage. You want full disclosure of what charges, fees, expenses and other “stuff” they want to collect from […]

Filed Under: Real property & mortgages Tagged With: 2017, mortgage servicing

Make Sure Your Mortgage Is Current At Bankruptcy’s End

By Cathy Moran

mortgage maze

What do you really owe on your home mortgage when you get to the end of your Chapter 13 case? For years, homeowners couldn’t tell where they were or how to get answers. But with the recent changes to bankruptcy rules, you don’t have to wonder where you stand with your mortgage lender. Are you […]

Filed Under: Real property & mortgages Tagged With: 2016, chapter 13 mortgage

10 Tips To Help You Keep Your House

By Cathy Moran

keeping your home

When financial trouble rears its head, keeping the house becomes a number one priority. Whether the pinch is caused by loss of income, a loan that resets, or business slow down, you can find making the mortgage payments a challenge.  Not to mention sorting out escrow screwups and changes of servicers. So, we’re rounding up […]

Filed Under: Real property & mortgages Tagged With: keep my house

No House, No Discharge When Chapter 13 Goes Off Script

By Cathy Moran

Chapter 13 alarm

Sound the alarm. Bankruptcy cases are getting tossed out when debtors fail to make mortgage payments. What began as a trickle of Chapter 13 cases ending badly has become a torrent. More and more, bankruptcy judges are strictly enforcing the direct pay term of Chapter 13 plans. If your plan says you will pay your […]

Filed Under: Real property & mortgages Tagged With: 2017

Mortgage Forbearance And The Hidden Gotcha: Escrow

By Cathy Moran

escrowed taxes forbearance

Got a mortgage forbearance? Seems like a relief. But watch out for the normally escrowed taxes after the forbearance is up. The CARES Act made forbearance on federally backed mortgages available for the asking. But no one talked about the escrow portion of the skipped mortgage payments. Federal guidance urged servicers to offer easy ways […]

Filed Under: Real property & mortgages Tagged With: 2020, covid-19

5 Essential Tips To Understand Your Mortgage Loan

By Cathy Moran

mortgage debt

Figuring out what your home loan balance is can be harder than a calculus exam. For most people, their mortgage is their biggest debt.  And their home is their most important asset. Yet, the people accounting for your payments are increasingly incapable of the very basics of their job.  And that makes your job, as […]

Filed Under: Real property & mortgages Tagged With: 2017

How 13 Works To Save Your House From Foreclosure

By Cathy Moran

save house

Saving a house from foreclosure is the single reason most people file bankruptcy. Bankruptcy stops foreclosure- that’s a given. But then what? How can bankruptcy save the house from foreclosure,  rather than just putting off the inevitable loss? After all, the mortgage lender has a lien on the house, and liens aren’t discharged in bankruptcy. […]

Filed Under: Chapter 13, Real property & mortgages Tagged With: 2017, chapter 13, foreclosure

No Foreclosure If Loan Modification In Process

By Cathy Moran

The cruelest trick played on homeowners trying to modify their mortgage was dual tracking. One side of the bank assured the borrower that their loan modification application was being considered and they didn’t need to worry. All the while, the other side of the bank was conducting a foreclosure sale. The borrower wakes up to […]

Filed Under: Real property & mortgages

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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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