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Bankruptcy Busts Taxes If The Timing Is Right

By Cathy Moran

taxes dischargeable

Got unpaid taxes for 2019?  Three tax discharge timing rules control when those taxes can be wiped out in bankruptcy. On April 15, 2023 those taxes reached the end of the line as priority claims in bankruptcy.  Or, the magic date may be October 15, 2023, if you got an extension to file the return. […]

Filed Under: Consumer Rights, Taxes Tagged With: 2017, bankruptcy timing, discharge taxes

Your Right To Credit Reporting After Bankruptcy

By Cathy Moran

credit report after bankruptcy

You’ve finished your Chapter 13 and emerged from bankruptcy with your home loan current. But your credit report is a blank page as to your mortgage. The mortgage servicer isn’t reporting your payments to the credit reporting agencies [CRA’s].   Nothing. Nada.  Crickets. So, even though you’re making regular payments, you’re not visibly rebuilding your credit. […]

Filed Under: Consumer Rights, Life after bankruptcy Tagged With: 2017, credit reporting

Does THIS Violate My Bankruptcy Discharge?

By Cathy Moran

discharge violation

When creditors contact you after your bankruptcy, you need to know what actions violate the discharge, and which are permitted by law. Having been through the financial wringer and having been proactive to get out from under old bills,  you hope for a tranquil and prosperous life after bankruptcy. When creditors violate the discharge, they […]

Filed Under: How bankruptcy works Tagged With: 2017, collection, discharge

5 Essential Tips To Understand Your Mortgage Loan

By Cathy Moran

mortgage debt

Figuring out what your home loan balance is can be harder than a calculus exam. For most people, their mortgage is their biggest debt.  And their home is their most important asset. Yet, the people accounting for your payments are increasingly incapable of the very basics of their job.  And that makes your job, as […]

Filed Under: Real property & mortgages Tagged With: 2017

Can A Trust Protect You In Bankruptcy?

By Cathy Moran

protect assets in bankruptcy

Can a living trust protect your assets in bankruptcy? Or, anywhere else? According to the lawyer advertising and the self-help books, everyone needs a living trust. The asset protection industry loves irrevocable trusts, another much touted trust. An irrevocable trust gets assets out of your name for all time. Unless of course, they are attacked in […]

Filed Under: Consumer Rights Tagged With: 2017

When Your Bank Account Is Seized: California Action Plan

By Cathy Moran

beat a bank levy

Time is short when you get a notice that a creditor has levied your bank account. California has protections that may allow you to recover money that’s been seized. But success in getting your money back depends on prompt action and following the procedures. Bank levy basics A creditor with a judgment is entitled to […]

Filed Under: Strictly California Tagged With: 2017

Two Strikes & You’re Out (Of Your Home)

By Cathy Moran

bankruptcy stay

Three strikes and you’re out.  Anyone familiar with baseball knows that one. The rules are different in bankruptcy. Two strikes and you’re out. And for one couple, they’re not only out of bankruptcy, they’re out of their house. Foreclosed the day after they filed bankruptcy number three. Because, what they didn’t know is that there […]

Filed Under: Consumer Rights, True Stories Tagged With: 2017, do it yourself

Speak Fluent Bankruptcy: Guide To Essential Bankruptcy Terms

By Cathy Moran

bankruptcy terms

Bankruptcy has its own language.  If you are considering filing bankruptcy, it helps to know the language spoken there. Master just a couple of words and phrases, and input from a bankruptcy lawyer starts to make sense. So, in our continuing campaign for better understanding of bankruptcy, here’s a dozen phrases from the language of […]

Filed Under: Consumer Rights Tagged With: 2017

How 13 Works To Save Your House From Foreclosure

By Cathy Moran

save house

Saving a house from foreclosure is the single reason most people file bankruptcy. Bankruptcy stops foreclosure- that’s a given. But then what? How can bankruptcy save the house from foreclosure,  rather than just putting off the inevitable loss? After all, the mortgage lender has a lien on the house, and liens aren’t discharged in bankruptcy. […]

Filed Under: Chapter 13, Real property & mortgages Tagged With: 2017, chapter 13, foreclosure

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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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