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The Rules Of The Game Are Changing

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

Change is coming- either influence it or don’t complain. The proposed changes to the rules of bankruptcy procedure and to the official forms have been published and your comments are solicited. The comment period will remain open til February 15, 2014.  There’s no reason to wait til the last minute to be heard, however. I […]

Filed Under: Bankruptcy Practice

Watch Your Language

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

Pick your words carefully.  Your clients will have to live with the results of your choice. Our challenge as bankruptcy lawyers is to extract, analyze, and present a huge amount of financial information. We have to get it from people who don’t really understand why we need it, nor the consequences of not getting it. […]

Filed Under: Bankruptcy Practice

When Appearances Are Deceiving

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

The judgment was for $500,000. Debtor’s bankruptcy lawyer was stumped. How to schedule it? What’s the problem? you ask. The half million dollar judgment was in the debtor’s favor (did you see that coming?), and the debtor considered it uncollectable. I practice before the same Chapter 13 trustee.  I know his intolerance for schedules that […]

Filed Under: Bankruptcy Practice

Who Is Stupid Here?

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

communicating with clients

The headline was “Are your clients really stupid?”. Wait, wait.  Hear him out. The answer isn’t what you’re tempted to respond. In a piece now gone from the web, Matt Homann, who describes himself as a recovering lawyer, adapted to lawyering a piece from the Bay Area tech world, suggesting that differences of opinions among co […]

Filed Under: Bankruptcy Practice

Split The Sheets, Split The Debts, Then Watch Out

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

The marital settlement agreement that resolves a divorce often divides the debts between the couple. Simple, so far. But if the agreement includes an indemnification provision, you may have  a bankruptcy issue that limits the breadth of the discharge or drives the choice of chapter. Hold harmless provisions The typical indemnification provision requires each spouse […]

Filed Under: Bankruptcy Practice

Is The Price Right?

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

What’s it worth? Another round of bankruptcy newbie questions suggests it’s time to review small business valuation questions. Our hypothetical debtor supports his family working in an incorporated business that he wants to continue operating.  He is the only shareholder. The scenario that prompted this post had the debtor reporting to his lawyer that the […]

Filed Under: Bankruptcy Practice

RTFM*

By Cathy Moran, Esq. Filed Under: Bankruptcy Practice

I know gambling debts are non dischargeable, so we can’t convert the Chapter 13. So said debtor’s counsel whom I was trying to help with a troubled case. I wanted to retort: point me to the code section that says that. I tried gently to suggest it wasn’t so. Not sure the “suggestion” penetrated. So […]

Filed Under: Bankruptcy Practice

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