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Means Test Expense Form 122A-2

By Cathy Moran

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Filed Under: Uncategorized

Will You Have Money For A Lifetime?

By Cathy Moran

financial literacy building blocks

The financially literate manage their money for the long haul so they have money for a lifetime. In a world of biweekly paychecks and monthly billing cycles, it’s easy to let your perspective shrink to 30 day increments. But that view is incredibly short-sighted. Your working life isn’t everything Most of us don’t work for […]

Filed Under: Uncategorized Tagged With: 2016

Financial Lessons From Furloughed Federal Workers

By Cathy Moran

out of work

The plight of workers going without pay because of the government shut down looms over our news. If our incomes haven’t been affected, it’s easy to see this as someone else’s problem. But are the rest of us really immune to the same financial straight? Over and over again, we hear that most U.S. families […]

Filed Under: Uncategorized Tagged With: 2019

Update Your Mental Money Software To 2.0

By Cathy Moran

What kind of life style are you entitled to? When was your sense of your place in the economic world formed? Just like the anti virus software on our computers and the operating systems on our smart phones, our internal software about our money needs an update. Outdated expectations My theory:  our view of how […]

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Glimmer of Hope For Change In Student Loan Dischargeability

By Cathy Moran

student loan door opening

A small opening in the legal barrier to discharging student loans in bankruptcy has appeared in a case called Roth. To discharge a student loan in bankruptcy, the borrower must show that repayment of the loan would cause he and his dependents undue hardship. The test for what constitutes “undue hardship”  is many circuits the […]

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My 7 Favorite Soapbox Posts Of 2014

By Cathy Moran

I tallied the readership’s favorite posts of the year and found the list far different than mine. So here’s the counter-list of my favorite posts of 2014, drawn from material first published this year. Most impactful appellate decision Welsh was decided in 2013, but I talked about it on Soapbox in 2014:  The Most Important […]

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Best Of 2014 On Bankruptcy Soapbox

By Cathy Moran

Here are the ten posts that most intrigued readers of Bankruptcy Soapbox in 2014. Some are new this year, and others are classics from earlier. In reverse order, the ten posts that spoke to you. 10. Six Rotten Reasons Not To File Bankruptcy   Mortgage law attorney Bill Purdy walks through the misguided reasons his clients […]

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Six Credit Card Scams You Need To Spot

By Gary Gale

One of the hazards in today’s society is becoming the victim of credit card fraud. It can happen in many ways. Here are six all-too-successful scams identified by the banking industry: Phony Data Breach  You get a text message, claiming to be from your credit card company, alerting you that your card is blocked because of […]

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Congratulations To Sergio Garcia, New California Lawyer

By Cathy Moran

  Welcome to the California Bar, Sergio Garcia.  Brought to this country as a teen by his father, Garcia is still waiting after 10 years for his green card. Meanwhile, he graduated from university and law school, and passed California’s notoriously difficult bar exam.  But it was unclear whether an undocumented person was eligible for […]

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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

Bankruptcy Alphabet: F is for First

In my Bankruptcy Alphabet, F is for First meeting of creditors. Lots of rumors exist about the that meeting; it produces unwarranted anxiety that is avoidable if you understand what's up. Let's check it out. The first meeting of creditors, also called the 341 meeting, is often the only time a debtor has to appear … Read more

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