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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 […]

Filed Under: Featured Tagged With: 2019, foreclosure

The Worrisome Truth About Silent Second Mortgages

By Bill Purdy

silent mortgages

Like a sleeping bear, long-silent second mortgages hibernate in people’s houses these days.  They are quiet, a snoozing predator, just waiting for spring. And it can be bloody when those sleeping mortgages awaken hungry and look around for something to fill its pocket. Here in California the coming slaughter is particularly noticeable because the value […]

Filed Under: Real property & mortgages Tagged With: 2016, foreclosure

How Long Til Foreclosure?

By Cathy Moran

Everyone who has made the painful decision to let an unaffordable house go to foreclosure wants to know how long before they have to get out. While the statutory foreclosure process in California takes a little more than 4 months, if the the creditor is perfectly efficient, creditors aren’t perfectly efficient, and often seem to […]

Filed Under: Real property & mortgages Tagged With: California, default, foreclosure, sale

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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

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

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