Cathleen Moran

Bankruptcy News Briefs 2/22


BAP Takes Realistic Approach to Undue Hardship Analysis

Court Holds Collection Calls to a Wrong Person’s Home Phone are not a TCPA Violation

Industry Group Tells CFPB to Support Consumer’s Right to Financial Data Access; Don’t Forget Accounts in Collection!

Bill Seeks Changes in CFPB Funding Source

Can this small Texas bank jump in on PHH’s fight with the CFPB?

The CFPB has a database with 700,000 consumer complaints

Consumer alleges debt collector broke law

All bills targeting student debt fail this session

Stanislaus Credit Control accused of attempting to collect discharged debt

Federal Reserve Bank Of New York: Consumer Credit Is Deteriorating

Bankruptcy Is Not A Borrower Antidote For Loan “Default Interest”

Individual States Try to Address Student Debt

Student Loan Debt Still Tops Credit Card Debt In America

Upcoming NACBA Events


Join us in celebrating 25 years of NACBA on May 4th-7th in Orlando, Florida at the Walt Disney World Swan and Dolphin Resort. Visit NACBA25 for all the details on speakers, sessions, hotel reservations, registration and more! Register today for the Early Bird Rate that ends March 17th, 2017 for savings!

Save the Date! New NACBA Webinar in  March

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What to do: Post HAMP for Mortgage Borrower Clients
Date: Thursday, March 16, 2017, 3:00 PM Eastern to 4:00 PM Eastern.
Presented by: Marc Dann Esq., and Bobby Rivera Esq.
Registration opens soon


Receive a $25 Amazon Gift Card!

In honor of NACBA’s 25th Anniversary, we want to reward you with a $25 Amazon Gift Card! Introduce a new member to NACBA and we will send you $25 Amazon Gift Card. Not only will YOU receive a $25 Amazon Gift Card but the NEW MEMBER will also receive a $25 Amazon Gift Card! Check out the Requirements and start referring today!

 NACBA Membership Promotion!

Renew your membership this month and be entered to win a copy of NCLC Consumer Bankruptcy Law and Practice Volume I & II, Eleventh Edition (Value $130). Two winners, will be selected at random each month January 2017 through July 2017. Renew Today!





“Mortgage Accounting and Escrow Issues” Session
Friday, May 20th 4:15 PM-5:30 PM
Learn how to decipher mortgage payment histories and evaluate escrow account analyses with presenters, Cathleen Moran and Pamela Simmons.

avatar for Cathleen Moran

Cathleen Moran

Moran Law Group
Mountain View, CA

Cathleen Moran has practiced bankruptcy law in the Silicon Valley of California for 31 years, representing debtors, creditors, and trustees. She is certified as a specialist in Bankruptcy Law by the Board of Legal Specialization, State Bar of California and has particular interest in the intersection of bankruptcy law and the fields of family law and tax..

Cathy is the author of Bankruptcy in Brief, found at Currently she writes for consumers on bankruptcy issues at and on issues for lawyers new to consumer bankruptcy law at

Cathy serves as the Northern California chair of the National Association of Consumer Bankruptcy Attorneys and the Vice President of the Bankruptcy Law Network. She is a frequent speaker at NACBA conventions, as well as at local and regional bankruptcy forums.

avatar for Pamela Simmons

Pamela Simmons

Law Office of Simmons & Purdy
Soquel, CA

Pamela Simmons is highly qualified in all phases of residential real estate. Her practice focuses on all matters relating to the home loan or mortgage.

In the mortgage lending law arena, Ms. Simmons has upheld the rights of borrowers who have been harmed by illegal lending and collection practices, sometimes known as predatory lending .

These matters include violations of state and federal lending laws, foreclosure issues, loan modifications, short sales and loan servicing problems such as foreplaced insurance and loan escrow issues. She is one of a handful of attorneys who has represented clients in mortgage matters for well over 17 years.

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