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Feds Offer Deferral Option For Home Mortgage Payments

By Cathy Moran

save house

Homeowners with federally backed mortgage loans got a lifeline for payments skipped under COVID 19 home loan forbearance agreements. The feds have mandated that servicers offer deferral as one way to repay those payments that came due while the loan was in forbearance. Deferral results in the missed payments being added to the back end […]

Filed Under: Real property & mortgages

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

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

Mortgage Forbearance For Non-government Backed Loans

By Cathy Moran

Covid 19 home loan forbearance

Are you one of the homeowners whose mortgage isn’t eligible for the government’s COVID forbearance protections? Home loans not backed by the federal government are excluded from the protections for borrowers implemented by FHFA . But as much as one third of US home loans are not backed by the federal government. If that includes […]

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

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

Facing Foreclosure, You Need A Plan B

By Cathy Moran

stop foreclosure

Bankruptcy stops foreclosures, with certainty. It’s the surefire defense to a scheduled foreclosure sale. Then why do homeowners keep waiting til the day before the sale to find a bankruptcy lawyer? Most of the other ways to stop a foreclosure sale require either gobs of money or an agreement with the existing lender or a […]

Filed Under: Real property & mortgages

Mortgage Payments During California Shelter-in-Place

By Cathy Moran

mortgage in pandemic

Is my house at risk if I have no income due to coronavirus? With economic activity at a dead halt due to COVID-19, California homeowners worry about next month’s mortgage payment.  And the month after that, for as far as the pandemic can see. While it’s early days, and I fully expect broad governmental measures […]

Filed Under: Real property & mortgages Tagged With: 2020, pandemic

Home Mortgage Forbearance: Will It Save Your Home From Pandemic?

By Cathy Moran

mortgage forbearance

Mortgage forbearance for homeowners, shout the headlines.  No need to make a house payment. Borrowers who can’t make this month’s mortgage payment were thrown a lifeline of sorts in the coronavirus rescue package. Only it’s probably not the help you think it is. And the lifeline may be far more fragile than you will need […]

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

Explaining The Increase In Monthly Mortgage Payments On Long Established Loans

By Cathy Moran

mortgage payments jump

Why has my mortgage payment increased so much? That’s the question I’m getting from lots of clients recently. Interest rates are creeping up on variable rate loans, but not dramatically. For most of those asking, it’s because the interest-only period of their home loan has run. Loans promised increased mortgage payments Borrowers forgot that lots […]

Filed Under: Real property & mortgages Tagged With: 2018

Don’t Fall For Your Mortgage Lender’s Insurance

By Cathy Moran

lender home insurance

If the mortgage company provides your property insurance, you are not in good hands. No matter how much time it saves you. Your lender is not a good neighbor when it comes to insurance. When your insurance lapses Somehow my client let her homeowners insurance lapse.  She wasn’t worried about it, she told me, because […]

Filed Under: Real property & mortgages Tagged With: homeowners insurance

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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

The Biggest Lie About Bankruptcy

Read anything about Chapter 7 and you get, "Your possessions are sold in Chapter 7 bankruptcy." That is, flat out, the biggest lie about bankruptcy. It's a liquidation proceeding and your stuff will be sold to pay creditors, the lie goes on. No wonder people are scared off from getting relief from debts … Read more

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