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Do I Have To File Bankruptcy Before There’s A Judgment?

By Cathy Moran

time to discharge judgment

Can I discharge a judgment once it’s entered, was the first question the caller asked. Do I have time to file bankruptcy? The caller was sure he had to file bankruptcy before the court entered judgment or he’d be stuck with the judgment forever. Not so. Bankruptcy discharges judgments. And, a judgment in California does not […]

Filed Under: Consumer Rights Tagged With: bankruptcy, discharge, judgment

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

Car Crazy In Bankruptcy Court

By Cathy Moran

Keep the car through bankruptcy

My client wants to keep paying on his car after bankruptcy. The lender wants my client to keep paying on his car after bankruptcy. Yet it took an afternoon in court for a hearing set by the judge on approval of my client’s reaffirmation agreement with the car lender to get everyone what they wanted. What […]

Filed Under: How bankruptcy works, True Stories Tagged With: bankruptcy, Car, Car After Bankruptcy, Car Payment, Reaffirmation Agreement, Repossession

Skip Filing Your Tax Return And The Tax Lives Forever

By Cathy Moran

Tax Myth Saddles You WIth Tax Forever

It’s tax season and tax myths are everywhere.  Know what the most dangerous one is? If you can’t pay the tax on the return, you’ll escape collection action if you keep a low profile by not filing the return. I hear it repeatedly, each year, year after year.  And it’s wrong, over and over. Four […]

Filed Under: Taxes Tagged With: bankruptcy, discharge, tax return, taxes

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

Bankruptcy Alphabet: F is for First

In my Bankruptcy Alphabet, F is for First meeting of creditors. Lots of rumors exist about the that meeting; it produces unwarranted anxiety that is avoidable if you understand what's up. Let's check it out. The first meeting of creditors, also called the 341 meeting, is often the only time a debtor has to appear … Read more

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