Cara O'Neill

Attorney · University of the Pacific McGeorge School of Law

Cara O'Neill is a legal editor at Nolo, focusing on bankruptcy and small claims. She also maintains a bankruptcy practice at the Law Office of Cara O’Neill and teaches criminal law and legal ethics as an adjunct professor. Cara has been quoted in bankruptcy, finance, small claims, and litigation articles by news outlets that include USA Today, CNBC, U.S. News & World Report, Nerd Wallet, and Yahoo Finance.

Cara received her law degree from the University of the Pacific, McGeorge School of Law, where she graduated a member of the Order of the Barristers—a highly-selective honor society that gives national recognition to top law school graduates demonstrating excellent skills in trial advocacy, oral advocacy, and brief writing.

Working at Nolo. Cara started writing for Nolo as a freelancer in 2014 and became a full-time legal editor in 2016. She has authored a number of Nolo self-help legal books, including How to File for Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, The New Bankruptcy, Everybody's Guide to Small Claims (national version), and Everybody's Guide to Small Claims in California. She also co-authors and edits Solve Your Money Troubles and Credit Repair and has written hundreds of articles for Nolo.com, Lawyers.com, TheBankruptcySite.org, and AllLaw.com.

Early legal career. Before joining Nolo, Cara spent 20 years working as a trial attorney litigating criminal and civil cases. She also served as an administrative law judge mediating disputes between auto manufacturers and dealerships and began teaching law as an adjunct professor in 2004. She added bankruptcy to her practice after the 2008 financial downturn.

Origins of litigation and writing career. Thanks to her mother, Cara’s advocacy training began early and involuntarily. In junior high school, she took second place two years running in the local Optimist Club speaking competition. She also successfully competed on her high school speech and debate team for several years, eventually serving as president of the same. During law school, she competed on a nationally ranked ABA moot court team for two years (and was recruited for a third, but declined) and served as a law journal editor.


Articles by Cara O'Neill

Filing Bankruptcy After Moving to Another State or District
You can file for bankruptcy in your new state as soon as 91 days after moving there. However, you'll wait at least two years before using the current state's exemption laws to protect property. Learn more.
Should I cash out my retirement account before filing for bankruptcy?
In many cases, retirement funds can be protected in bankruptcy, so withdrawing money from a retirement account before bankruptcy is rarely a good idea, especially if you plan to use the funds to pay debts you can erase.
Is My 401k Account Exempt or at Risk in Bankruptcy?
In most Chapter 7 and Chapter 13 bankruptcy cases, your 401k and other ERISA-qualified retirement accounts stay out of the bankruptcy estate and safe from creditors.
Can I Buy Household Appliances Before Filing for Bankruptcy?
In general, you should avoid making large purchases prior to filing for bankruptcy. Learn when you could run into trouble and why.
Why a Creditor Might File an Objection to Discharge in Bankruptcy
Learn when creditors object to a bankruptcy discharge over luxury purchases, cash advances, fraud, or abuse of the process, and the strict deadlines that can span months to years.
Can I Use My Credit Cards Prior to Filing for Bankruptcy?
You might have to pay back fraudulent charges made before filing for bankruptcy. Luxury goods over $900 made within 90 days of filing for bankruptcy, or $1,250 in cash advances made 70 days before bankruptcy, are presumed fraudulent.
Debts That Survive Chapter 7 Bankruptcy
If you're filing for Chapter 7, you should know that some debts survive the discharge. Find out which taxes, student loans, fines, and other obligations you'll still owe after bankruptcy.
What Is an Objection to Discharge in Bankruptcy?
The bankruptcy trustee or a creditor can object to the discharge of a debt. Learn about the steps a creditor or the trustee must take to prove bankruptcy fraud or presumptive fraud and prevent you from wiping out your debt in bankruptcy.
Getting Rid of Credit Card Debt With Bankruptcy
Most credit card debt is eliminated or "discharged" in bankruptcy, but sometimes a creditor asks the court to declare credit card balance nondischargeable. Learn what can happen to credit card obligations in bankruptcy.
Debts That Are Discharged in Chapter 7 Bankruptcy
Find out which debts disappear in Chapter 7, like credit card balances and medical debt, and which ones, like child support, follow you.