• Home
  • Bankruptcy in Brief
  • ABC’s of Bankruptcy
  • Considering Bankruptcy
  • True Stories
  • Chapter 13
  • Blog
  • About
  • TOC

Northern California Bankruptcy Lawyer

On The Bankruptcy Soapbox

The Soap Box
  • How bankruptcy works
  • Mortgage Matters
  • Consumer Rights
  • Newsworthy
  • You & Your Lawyer
  • Small Business
  • Family Law

How You Can Collect From The Debt Collectors

By Mike Cardoza

sue debt collectors

I team up with consumer lawyer Mike Cardoza to identify your rights against debt collectors and then to preserve those claims through bankruptcy. The longer you resisted filing bankruptcy, the more likely that you’ve endured harassing encounters with debt collectors. And the more encounters you have with debt collectors, the more likely that you’ve been […]

Filed Under: Consumer Rights Tagged With: 2018

California Homestead Exemption: The Truth Isn’t What You Think

By Cathy Moran

how california homestead works

“They can’t take my house, whatever happens.  Right?” The young man in my office “knew” how the California homestead works: he insisted that his home was exempt as a California homestead, even if he filed bankruptcy. He “knew” that credit card debt was dischargeable. And that “knowledge” lead to his conviction that , in bankruptcy, […]

Filed Under: Strictly California, True Stories Tagged With: 2018

SuperLawyer

By Cathy Moran

Cathy Moran Super Lawyer

I’ve been named a SuperLawyer among Bay Area bankruptcy lawyers. That makes 14 years running. It’s flattering, but probably not much more than that. The real measure of my skills is in the clients’ lives whom I’ve impacted and the young bankruptcy lawyers I’ve mentored. In the meantime, I’m waiting for my cape to be […]

Filed Under: Strictly California Tagged With: 2018

Your Tax Refund In The Crosshairs In Debt Collecting Season

By Mike Cardoza

debt collecting season

Who knew that there was a season for debt collecting?  My friend and colleague attorney  Mike Cardoza does.  See what he says. The beginning of the year  through about the end of March is the big season for debt collection! Why? Because collectors are pretty sure that you have some money in your pocket – […]

Filed Under: Consumer Rights Tagged With: 2018, tax refund

The Truth About Tax Liens After Bankruptcy

By Cathy Moran

liens after bankruptcy

We have a lien on your name.  Not your property, your name. That’s what the county tax collector told my client, years after he got his bankruptcy discharge. And that multi-thousand dollar lien claim threatened to sink the refinance of his house. Eventually, we got the county straightened out without going back to bankruptcy court. […]

Filed Under: Consumer Rights, Life after bankruptcy, Taxes Tagged With: 2018, tax lien

Life And Death of Debt In California

By Cathy Moran

statute of limitations on debt

CPR has its place when human life is involved. Human life is precious. But when what’s dying is the legal right to collect a debt?   Not so fast. You don’t want to breathe new life into an old debt that is legally dead. Yet you can do that, unintentionally reviving a debt that is legally […]

Filed Under: Strictly California Tagged With: 2018

Which Debt Collector Threats Should You Be Afraid Of?

By Cathy Moran

debt collectors

Threats are the tools of the trade of debt collectors. Why not? Fear is effective to get people to do stupid things. That’s why debt collectors use it. Pay up or… we’ll send you to collection we’ll sue you we’ll ruin your credit we’ll have you arrested we’ll have you deported we’ll take your house we’ll […]

Filed Under: Featured Tagged With: 2018

How To Save Your House With Chapter 13 Bankruptcy

By Cathy Moran

California homestead

Saving your house from foreclosure ranks high on the list of reasons people file Chapter 13. The automatic stay stops foreclosures; Chapter 13 gives you time to fix the problem. Powerful stuff. But the stay and more time, alone, aren’t enough to save the day if you run afoul of other rules, written and unwritten, […]

Filed Under: Chapter 13, Real property & mortgages Tagged With: 2018

Reduce Your Tax Hit By Filing Bankruptcy Rather Than Settling Debts

By Cathy Moran

tax bite

Settle your debts outside of bankruptcy and you may be bitten by taxes you didn’t expect years later. Yet, everyone I talk to would rather cut a deal with their creditors than file bankruptcy.  It’s universal. But here’s the killer reason why bankruptcy alone protects homeowners from a unexpected  tax consequence down the road. Debt […]

Filed Under: Considering Bankruptcy, Consumer Rights, Taxes Tagged With: 2018, cancellation of debt tax

  • 1
  • 2
  • 3
  • …
  • 6
  • Next Page »
Coronavirus & Your Finances

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 on how I think law should work for the consumer and small businesses when it comes to debt.

Moran Law Group
Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

How Bankruptcy Works

Speak Fluent Bankruptcy: Guide To Essential 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 … Read more

More Posts from this Category

643 Bair Island Road
Suite 403
Redwood City, CA 94063
Phone: (650) 694-4700
Phone: (650) 368-4700

Categories

All content copyright © Moran Law Group. All rights reserved.