Moran Law Group

06/04/2026

Do you worry that a solid income will lock you out of bankruptcy? Income alone will not bar you from a fresh start, despite the misinformation circulating online. See why.

Actually, there's no income limit for filing bankruptcy. None, nada, no way. Instead, there's the infamous means test, an awkward and complex formula,

05/26/2026

Surviving Debt is a terrific guide to getting out of debt. It's authoritative, expansive, and it's not trying to sell you something else. The publisher NCLC is a true friend to consumers and the lawyers who represent them.

AND it's free. Find it here:

05/25/2026

What do you have to do to file bankruptcy? We lay it out.

Let's walk through the basic bankruptcy process and what's required to wipe out debts you can't pay. I'll keep this simple and assume that you've decided

05/17/2026

How elders can protect themselves from scams. I'm seeing a substantial number of bankruptcy clients who've lost thousands to scams, often involving fake romances or cryptocurrency.

Scams on older adults have led to a fourfold increase in losses over four years, federal data shows.

05/09/2026

Why the weapons of a debt collector aren't the threat of lawsuits, but something else entirely. You can spike those weapons.

You can stop a debt collector cold, wherever you live, using federal law. It doesn't take a lawyer, a court, or an enforcer. That's because the weapons of

05/07/2026

One of the most compelling reasons to file bankruptcy is to allow serious savings for retirement. The numbers on Americans' preparation for old age terrify me.

Many Americans have surprisingly little set aside for retirement. Why, and what can be done to help more Americans save and retire with financial security?

04/25/2026

Jump through the clearly outlined hoops and you are virtually assured of getting a bankrutpcy discharge. There are no subjective test of your worthiness to get a fresh start.

Bankruptcy law presumes that a debtor will get a discharge in a properly filed case. The few reasons a discharge may be denied are spelled out in the

03/20/2026

Don't think you're ahead by not filing a tax return when you'll owe tax.

Should you file the tax return if you can't pay the tax? You got to the bottom of your tax return and the amount you owe is bigger than your checkbook

03/19/2026

Fears about Chapter 13 trustees micromanaging your financial life during the plan are common, but generally unfounded. Read on to see what happens after your Chapter 13 plan is confirmed.

Living in Chapter 13 is not confining: make your payments, don't incur new debt, and stay in touch with your attorney.

03/16/2026

It's tax season. Don't let concern about your inability to pay the tax now keep you from filing the return when due. That just creates a new set of problems and penalties.

Should you file the tax return if you can't pay the tax? You got to the bottom of your tax return and the amount you owe is bigger than your checkbook