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More Californians Eligible For Expanded Pandemic Mortgage Relief Grants

By Cathy Moran

help with home mortgage

Grants from California’s mortgage relief fund are now available to cover delinquent property taxes and defaults on second mortgages. The expanded eligibility includes those who have previously received grants. Almost $700 million remains in the fund, created in 2021, to preserve homeownership from the ravages of the pandemic. Help from the fund comes as a […]

Filed Under: Featured Tagged With: 2023, default, mortgage payments, pandemic, property taxes

Women win new protections in California exemption law

By Cathy Moran

exemptions benefiting women

New California exemption laws will expand protections for alimony and eliminated a barrier to filing for bankruptcy protection without the involvement of an estranged spouse. Although not limited to women, in the bulk of cases in my 40+ years of practice, it’s women who will most often benefit from these changes. Exemptions operate to define […]

Filed Under: Strictly California Tagged With: 2023, alimony, exemptions, spousal waiver, support

Californians Can Now Keep Their Cars After Bankruptcy Without Reaffirmation

By Cathy Moran

bankruptcy reaffirmation

New California law, effective January 1, 2023, eliminates the need for bankruptcy debtors to reaffirm car loans in order to avoid repossession. Now, you can keep your car after bankruptcy, so long as you keep the payments current, without reaffirming the debt. Until now, reaffirmation had the effect of giving up the discharge as to […]

Filed Under: Featured, Strictly California Tagged With: 2023, bankruptcy, Car, car loan, reaffirmation

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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