We’ll help you do your own bankruptcy, promises the ad. And for a few dollars more, we’ll sell you the secret to keep your bankruptcy off your credit record. That pitch plays neatly into the obsession that we have about our credit reports. Even when your financial world is upside down. But this pitch has it […]
Three Cheers For Entrepreneurs
Let’s hear it for entrepreneurs. Those brave, tireless people with a dream who start or run small businesses. They possess more energy and perseverance than most of us. They form the backbone of our economy. In honor of National Entrepreneurs Day, November 20th, let’s recap Soapbox’s best on being in business for yourself. It’s probably […]
What This Lawyer Is Grateful For At Thanksgiving
This Thanksgiving, I’m grateful for the American judiciary and, particularly, for district court judges. In these turbulent political times, they’ve been confronted with hard questions arising out of swirling controversies. Their rulings would have national implications. Decisions were needed on short notice. Partisans gathered on the sidelines, some assured of being bitterly disappointed however the […]
We’re Now In Redwood City
Moran Law Group has packed up and moved to Redwood City! Effective October 1, 2018, Cathy and Renee are holding forth at 643 Bair Island Road, Suite 403, Redwood City. Our phone number and email addresses are the same. We’re sharing our San Mateo county office with two good friends and marvelous bankruptcy lawyers, Jeff […]
If The IRS Comes Calling After Your Bankruptcy Discharge
It’s scary, or infuriating, when the IRS continues to try to collect taxes discharged in bankruptcy. What was the point of filing bankruptcy if the government ignores your discharge? Yet IRS attempts to collect taxes from people with a bankruptcy discharge form the single largest group of cases in my law office today. Why the […]
Highlighted Tax Tips For Final Week To File Returns
We talk a lot about taxes here on the Soapbox. That may seem a strange thing for a bankruptcy law firm to highlight. But it’s not strange when you realize that taxes are the cause of many of our clients’ financial problems. Filing date is barreling down on us. So, here’s a sampler of how […]
Means Test As Three Dimensional Chess
Means test issues in bankruptcy extend far beyond how much income you have. The allowable expense deductions for your life after filing bankruptcy count, too. After an hour long initial consultation with a client, these complexities became clear when the client tagged the means test with incredible clarity. It’s like playing three dimensional chess Pretty […]
Audited? Did You Tell The State Tax Authorities?
We’re all about sharing these days, aren’t we? So, did you share with the state tax authorities the outcome of your IRS audit? While telling the Franchise Tax Board that you owe more taxes to the feds may seem like inviting trouble, you gain by doing so. How? You set those taxes owed to California […]
Second Best Reason To Contribute To Retirement Fund Even If You’re In Debt
We’re not used to applauding those who are second-best. But I’m going to try. The second-best reason to make regular contributions to your IRA or 401(k) is that even if you file bankruptcy you can continue saving for retirement. Whooo hooo! Courts have struggled with whether payments into retirement plans are reasonable and necessary living […]
Spot Credit Report Errors After Your Bankruptcy & Fix Them
Your debts have been discharged in Bankruptcy. Congratulations! But if those debts still appear on your credit report, you haven’t gotten all the debt relief you are entitled to. Your credit report is the public face of your finances. It’s the thing that lenders, landlords, and life insurance companies look at to figure out whether […]
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