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Immigrants and bankruptcy disclosure

By Cathy Moran

The culture you grow up in shapes your views of truth telling, business ethics and privacy.  I see that day to day as I counsel clients who are immigrants from other parts of the world.  It’s sometimes an uphill battle to convince them that the “price” of bankruptcy relief is full disclosure, and that it is safe to tell all to branches of the government.

I sat with a group of very experienced bankruptcy lawyers and we traded our war stories about clients from other cultures and how differently some approached bankruptcy disclosure.  What blew me away was the United States Trustee sitting with us who seemed surprised by our experiences and blurted out that he’d never thought of cultural issues influencing debtors in bankruptcy.  Duh?

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About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

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

What Happens To Your Bank Account in Chapter 13

Those considering filing a Chapter 13 bankruptcy worry about "what happens to my bank account?" Will the trustee take all the money? How do I pay my living expenses after I file? The short answer is: nothing changes. The account remains yours and available for all the expenses of day to day living. Because, … Read more

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