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Don’t Let Your Bank Pick Your Pocket

By Cathy Moran

The right of your bank to take your money when you aren’t looking stops at your credit card. Your bank may be entitled by common law to setoff what it owes you from what you owe it on the garden variety debt. But the federal Fair Credit Billing Act  forbids a bank who has issued you a […]

Filed Under: Consumer Rights Tagged With: 2015, credit card

The Foreclosure That Was Longer Than War & Peace

By Cathy Moran

foreclosure timeline

How much time til foreclosure? Foreclosure is coming.  Whether by choice or circumstances, you know the bank will take the house. Should you start packing immediately? The way banks are currently operating, the answer is:  not yet, not soon, not for a long time. For one of my clients, the answer to how long was well more than […]

Filed Under: Real property & mortgages, True Stories Tagged With: 2015

10 Best Bankruptcy Soap Box Posts Of 2015

By Cathy Moran

How do I measure which Soapbox posts from 2015 are my favorites?  It’s like asking which of my children I like the best. Some posts I like because the topic is important;  some because they are useful; and some I just like because they were fun to write. So, here goes my countdown to the 10 posts […]

Filed Under: Featured Tagged With: 2015

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

Cheat Sheet For Passing Bankruptcy Means Test

The bankruptcy means test has a fatal weakness in its attempt to keep people out of bankruptcy. Like so much recently, it's health care. It's health care, in the future, to be paid before your creditors get any money in your bankruptcy. It works because, in a logic that only Congress could employ, the means … Read more

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