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7 Keys To Keeping Your House: Chapter 13 After You File

By Cathy Moran

keep the house

Filing Chapter 13 bankruptcy stops the foreclosure.  You’ve protected your home, for the moment. Bankruptcy gets you a sheltered legal environment to address the problems with your mortgage. You heave a sigh of relief. But the fight to keep your house isn’t over, just because there’s a stay.  You’ve just gotten through the first round. […]

Filed Under: Chapter 13, Real property & mortgages Tagged With: 2019, chapter 13, keep the house

Debt Limits Increase For Chapter 13 Bankruptcy

By Cathy Moran

bankruptcy debt limits

Debt limits to swell to $2.75M under new legislation New debt limits for Chapter 13 became effective on April Fool’s Day, 2022. (these limits will be superseded by newly enacted limits upon the president’s signature, expected daily.) The new numbers are effective for cases filed after April 1, 2022 and will control for the next 3 […]

Filed Under: Chapter 13, Featured Tagged With: 2019, bankruptcy debt limits, chapter 13

Find The Right Cure for Your Debt Problems

By Cathy Moran

get out of debt

Get-out-of-debt advice and sales pitches abound. Like this one. But too few get-out-of-debt gurus tell you that you need a diagnosis of your financial ills before prescribing the cure. Is the stomach ache indigestion or appendicitis? Is it temporary upset or life threatening? The answer makes a big difference in how you treat it. No […]

Filed Under: Consumer Rights Tagged With: 2019, get out of debt

When Can I File Bankruptcy Again

By Cathy Moran

filing bankruptcy again

Remember the old high school cheer:  two, four, six, eight, who do we appreciate? Turns out, that’s not just a cheer, it’s shorthand for the rule on when you can file bankruptcy again. And it points out that when you can file again depends on what kind of bankruptcy you filed last time. Here’s how […]

Filed Under: How bankruptcy works Tagged With: 2019, discharge, eligibility

Has Your Social Security Number Been Suspended?

By Cathy Moran

social security scam

The latest variety of tax scam picked the wrong target when they called my fellow bankruptcy lawyer Wayne Silver. Your social security number has been suspended, claimed the caller. Having no identity is scary. What’s a guy to do without a Social Security number? It’s sad that we are reduced to needing a number to validate […]

Filed Under: Featured Tagged With: 2019, scams, social security

DIK Remedies For Foreclosure Breed Bankruptcy Tragedies

By Cathy Moran

Warning: virulent outbreak of do-it-yourself bankruptcies all around. Symptoms:  panic over prospect of foreclosure Supposed remedy:  file your own skeleton Chapter 13 bankruptcy Prognosis: enjoy the stay for about 2 weeks, followed by foreclosure relapse Homeowners facing foreclosure Three different would-be clients called in a 10 day period this month, facing foreclosure.  And all three […]

Filed Under: Real property & mortgages Tagged With: 2019, automatic stay, foreclosure

Don’t Trust Anything Your Lender Says On The Phone

By Cathy Moran

mortgage servicer

Don’t trust the loan servicer for a moment, was my advice to the client who was trying to track payments he’d made on his home mortgage . The mortgage industry has created an inhabited accounting swamp around your home;  the lender’s representative lives in that swamp. Don’t turn your back on a carnivorous predator. I’m […]

Filed Under: Real property & mortgages Tagged With: 2019, foreclosure

Bouncing Back From Bankruptcy: The To-Do List

By Cathy Moran

Recovering from bankruptcy isn’t hard. You’ve hurdled the debt chasm and finished your bankruptcy case. There’s a fresh  start ahead. But where do you start on that fresh start? Consider this to-do list for bouncing back from bankruptcy. Keep on keeping on Whether your bankruptcy case was a Chapter 7, over and done in months, or […]

Filed Under: Consumer Rights Tagged With: 2019, life after bankruptcy

What’s Wrong With Most Get-Out-Of-Debt Advice

By Cathy Moran

consider bankruptcy

Get-out-of-debt gurus too often miss the essential truth known to every carpenter. Measure twice, cut once Too many trite lists of tips to help you get out of debt miss the vital first step. How you got into debt Before you choose a get-out-of-debt path, assess your situation. Until you know how you got into […]

Filed Under: Consumer Rights Tagged With: 2019

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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

What You Left Out Of Your Bankruptcy Schedules

One of the first questions a bankruptcy trustee will ask you at the hearing in your bankruptcy case is:  did you read the schedules before you signed them? The obvious, and expected, answer is YES. And if your answer is "yes", then the trustee can conclude that you stand behind the information that the … Read more

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