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Why No-Look Bankruptcy Fees Are No-Good

By Cathy Moran

Law of average doesn't work here

Lawyers become lawyers, in large part, because they can’t, or don’t want to, do math. Judges are lawyers who got promoted. And therein is the root of the problem with “no look” attorneys fee for consumer bankruptcy cases. Judges don’t understand mathematics.  They expect the “law” of averages to result in fair compensation for debtor’s lawyers, relieving judges […]

Filed Under: Pondering, You & your lawyer

All Bankruptcy Advice Is Not Created Equal

By Mark Markus

Peter Mullison proposes in a recent article, that there are five types of people one should talk to about financial problems: Friends, Family Members, Spouses, Religious Counselors, and (thankfully) Bankruptcy Attorneys. If one is undecided about whether bankruptcy is appropriate in their situation, he suggests they should elicit the advice of the above parties. While I […]

Filed Under: You & your lawyer

California Bankruptcy Lawyer Puts Information Out There – Too Bad He’s Wrong On The Basics

By Cathy Moran

I applaud attorneys who make sound information about bankruptcy available to the public.  My only requirement is that their information be true. The truth is income taxes are dischargeable in bankruptcy if 3 reasonably simple conditions are met;  debts to the government are generally dischargeable in bankruptcy. Please reread that line, and get that bit […]

Filed Under: Taxes, You & your lawyer

Client “wants to think” about appointment

By Cathy Moran

The client with a pending foreclosure sale called and canceled an initial consultation with me last week.   He wanted to “think about it” before coming in.  If I had been the one taking the call, I would have gone ballistic.  (Can we still say that after the Tucson shootings?). Gathering information about bankruptcy does not […]

Filed Under: You & your lawyer

Bankruptcy lawyer must have otherworldly powers

By Cathy Moran

Jonathan Ginsberg’s piece about the murky language of notices from the bankruptcy court struck a cord. In an attempt to provide notice, they sow confusion. But my pet peeve is the client who calls up and says, literally, “I got this letter from {insert name of court or creditor, or trustee}. What does it mean?” […]

Filed Under: You & your lawyer

Bankruptcy info by email

By Cathy Moran

My colleague Jonathan Ginsberg writes about his reluctance to provide legal advice or second opinions by email. After all, he points out, it is our command of the law that is our inventory. Give it away and you go out of business. I have a more profound reason to approach questions by strangers with caution: […]

Filed Under: You & your lawyer

Find The Best Bankruptcy Information Online

By Cathy Moran

Need to understand bankruptcy?  Just Google it. No issue is too important or complicated that we doubt we can understand it by reading on the ‘net. The computer has replaced the library as our first response to an unknown. Even my 85 year old mother, a computer novice, reacts to an information vacuum by heading to […]

Filed Under: You & your lawyer Tagged With: bankruptcy information, bankruptcy research

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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

How To Pay For Bankruptcy When You’re Flat Broke

One of the cosmic ironies of our legal system is that it costs money to file bankruptcy. Bankruptcy gets you out of debt only if you have the money to file. The costs of bankruptcy include the filing fee collected by the court; the required credit counseling; and, if you're smart, an experienced lawyer to make sure … Read more

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