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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

Long Silent Second Mortgages: The Worrisome Truth

By Bill Purdy

silent mortgages

Like a sleeping bear, long-silent second mortgages hibernate in people’s houses these days.  They are quiet, a snoozing predator, just waiting for spring. And it can be bloody when those sleeping mortgages awaken hungry and look around for something to fill its pocket. Here in California the coming slaughter is particularly noticeable because the value […]

Filed Under: Real property & mortgages Tagged With: 2016, foreclosure, junior lien, second mortgage

Inherited Homes Now Come With Full Measure Of Consumer Rights

By Cathy Moran

mortgage protections

Half a loaf is what you too often got when you weren’t the original borrower on a home loan.  No mortgage servicing rights under Federal law came title to the property. Whether you inherited the property or it was awarded to you in a divorce, you get shortchanged by the mortgage lender. Even with  a […]

Filed Under: Real property & mortgages Tagged With: 2018

Know What You Really Owe: Your Mortgage Loan Rights

By Cathy Moran

You’ve got a lot to keep an eye on. You probably regularly check Your blood pressure. Your credit report. Your stock portfolio. Your bank balance. Your team’s standings. Yet chances are, your home is your biggest investment and perhaps even the cornerstone of your retirement plan. But you have no idea what you really owe […]

Filed Under: Real property & mortgages

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

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: Real property & mortgages

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

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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

What Happens To Your Bank Account in Chapter 13

Those considering filing a Chapter 13 bankruptcy worry about "what happens to my bank account?" Will the trustee take all the money? How do I pay my living expenses after I file? The short answer is: nothing changes. The account remains yours and available for all the expenses of day to day living. Because, … Read more

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