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Step By Step Guide To Business Shutdown

By Cathy Moran

business shutdown

There’s lots written on how to start a business. Not so much about business shutdown. Even pre-pandemic, half of all new businesses fail within 5 years. This year, the pain is so much greater. So let’s walk through how to manage a business shutdown, tie up loose ends, and minimize problems that may follow you […]

Filed Under: Featured, Small business Tagged With: 2021, business closure

Can You Rescue Your Business With Chapter 13

By Cathy Moran

rescue business

Small business owners who are sole proprietors can enlist the power of bankruptcy’s Chapter 13 to rescue their business at a price they can afford. Everyone thinks of Chapter 11 as the “keep the business and ditch the debt” form of bankruptcy. But traditional Chapter 11 is cumbersome and just flat out too expensive for […]

Filed Under: Consumer Rights, Small business Tagged With: 2021, business, reorganization

Closing Up Shop

By Cathy Moran

closing business

What can you do when it becomes obvious that your  business should close? The hardest part of being in business is recognizing when the business has no future and needs to close.  Yet the overwhelming majority of new businesses fail within 5 years. So you’re not alone.  In fact, in the face of the pandemic, […]

Filed Under: Consumer Rights, Small business Tagged With: 2017

SBA Loans Collectible Long Past Business Failure

By Cathy Moran

SBA collection

The SBA has eagle eyes and sharp talons when it comes to collecting from guarantors of business loans. SBA collection tools are ruthless, efficient, and ageless. So I learned when a client consulted me about a business that had failed 12 years ago. Yet the SBA had never sued him, nor had it filed a […]

Filed Under: Consumer Rights, Small business Tagged With: 2020, business debt, SBA

Bail Yourself Out Of Payroll Tax Trouble

By Cathy Moran

Business owners with unpaid payroll taxes are in deep trouble. Even if the employer is a corporation, the corporation’s managers are personally liable for the trust fund portion of unpaid payroll taxes. There’s no corporate shield when it comes to payroll taxes. You are in the IRS’s cross hairs, personally, if the business hands out “net” checks […]

Filed Under: Consumer Rights, Small business, Taxes Tagged With: 2016

How To Write A Contract Without A Lawyer & Make It Stick

By Cathy Moran

writing your own contract

Even in a world where people attempt almost any skilled task with the help of Google, YouTube, or Legal Zoom,  people continue to ask: is this contract legal? They aren’t asking (usually) whether the subject matter of the contract is permitted by law. They really want to know: will what I’ve written be enforceable. What makes it […]

Filed Under: Consumer Rights, Small business Tagged With: draft contract

What’s Up After Tax Extension To File?

By Cathy Moran

The tax extension in the mail and you don’t have to think about income taxes til October 15th approaches.  Right? Not in my book, if you are self employed. The self employed don’t have their estimated income taxes withheld from their paychecks.  There aren’t any paychecks if you are among that resolute band of entrepreneurs, […]

Filed Under: Consumer Rights, Small business, Taxes

Time Running Out On Dynamite Business Reorganization Opportunity

By Cathy Moran

tax refund 2018

In less than a month, the nifty new small business bankruptcy option that makes Chapter 11 feasible for the little guy reverts to its far smaller debt limits. Still great, but available to fewer troubled businesses. SBRA is a new subset of a Chapter 11 bankruptcy reorganization. Also called a Subchapter V case, it’s designed […]

Filed Under: Small business Tagged With: 2021, reorganization, SBRA

Can Your Business Survive The Pandemic?

By Cathy Moran

ailing business

When the virus shutdown is over, ailing businesses must consider whether to continue.

Filed Under: Consumer Rights, Small business Tagged With: 2020, covid-19

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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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