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Facing Foreclosure? Your Kids Can Cope

By Cathy Moran

I talk with clients about walking away from underwater houses day after day. * The  mortgage payments on their home eat up fifty percent or more of their income. They’re struggling now, and the mortgage will reset soon. Attempts to modify the mortgage are fruitless. They expect a foreclosure notice any day. Yet despite the pain and the […]

Filed Under: Real property & mortgages, True Stories

The Struggle To Surrender Underwater Real Estate

By Cathy Moran

surrendering real propery

How difficult it can be to surrender real property in bankruptcy when you have no hope of paying for it. After all, the lender takes a mortgage on the property so they can take it from you if you don’t pay. My client’s bankruptcy plan said he would make no payments on the rental’s mortgage […]

Filed Under: Featured, Real property & mortgages, True Stories Tagged With: 2016, surrender

Terminate Cell Phone Penalties in Bankruptcy

By Cathy Moran

I’m accustomed to advising those on the verge of filing bankruptcy about big ticket debts like mortgages, student loans, and back taxes. I was surprised when a client, resigned to letting her house go to foreclosure after the bankruptcy, was absolutely delighted to know that she could free herself from her unhappy relationship with Verizon Wireless […]

Filed Under: How bankruptcy works, True Stories

Zombie Debt is Naughty, Not Nice

By Cathy Moran

Despite his bankruptcy discharge, my former bankruptcy client has just been bitten by naughty credit reporting, and the interim results aren’t nice. When several years passed since the bankruptcy, my client thought he’d caught and controlled the old and the inaccurate credit reporting. Four years after the discharge was entered,  a mortgage servicer has just […]

Filed Under: Life after bankruptcy, True Stories

Free Retirement Advice By Professional Advisor Comes Up One Tool Short

By Cathy Moran

The 65 year old woman featured in the newspaper’s Money Makeover series got a  free review of  her financial situation by a professional financial advisor. Over her working lifetime, she’s been the source of financial support for an extended family, including her aged mother and a disabled sister. Her aid to her family has come […]

Filed Under: Considering Bankruptcy, True Stories

Car Crazy In Bankruptcy Court

By Cathy Moran

Keep the car through bankruptcy

My client wants to keep paying on his car after bankruptcy. The lender wants my client to keep paying on his car after bankruptcy. Yet it took an afternoon in court for a hearing set by the judge on approval of my client’s reaffirmation agreement with the car lender to get everyone what they wanted. What […]

Filed Under: How bankruptcy works, True Stories Tagged With: bankruptcy, Car, Car After Bankruptcy, Car Payment, Reaffirmation Agreement, Repossession

Taking my own advice Part Two

By Cathy Moran

The return receipt on my “do not contact” letter to ATT arrived at my office showing receipt on July 6th. Between July 7 and July 10, we got seven calls at home about the disputed account; on July 12th, we got a call from NCO who announce that the account has been turned over to […]

Filed Under: Consumer Rights, True Stories, Uncategorized

What credit card debt hides

By Cathy Moran

I met with a couple yesterday with over a $100K in credit card debt. When the bankruptcy schedules are filed, this will look like a case of consumer spending run amok. What, the casual observer will ask, did they buy for that amount of debt? Medications, gas, and groceries, is the answer. Because this 50ish […]

Filed Under: True Stories

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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

When Can I File Bankruptcy Again

Remember the old high school cheer:  two, four, six, eight, who do we appreciate? Turns out, that's not just a cheer, it's shorthand for the rule on when you can file bankruptcy again. And it points out that when you can file again depends on what kind of bankruptcy you filed last time. Here's how it … Read more

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