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

Wildcard Exemptions in Chapter 7 Bankruptcy
Bankruptcy exemptions protect property needed to work and live, but not much else. A wildcard exemption will protect property that a debtor usually wouldn't be able to keep in Chapter 7 bankruptcy.
Federal Bankruptcy Exemptions
Find out if your state allows you to use the federal bankruptcy exemptions in Chapters 7 and 13, and if so, the type and amount of property you can protect.
Which Type of Bankruptcy Should You File?
Learn about the benefits and limitations of each bankruptcy. The chart illustrating the primary differences between Chapters 7 and 13 is designed to help you choose the right bankruptcy chapter for you.
Do I Have Enough Debt to File for Bankruptcy?
A minimum amount of debt isn't required to be eligible for bankruptcy. However, years must elapse before you can erase or "discharge" debt again, so it's crucial to ensure you'll discharge enough to make filing for bankruptcy a good option.
Debt Limits for Chapter 13 Bankruptcy
Chapter 13 filers can't owe more than the current Chapter 13 debt limits. Learn how much secured and unsecured debt is allowed in Chapter 13 bankruptcy.
Can I Use My Credit Cards Prior to Filing for Bankruptcy?
If you use your credit cards before bankruptcy, the credit card company might challenge your ability to wipe out the debt.
Medical Bankruptcies: How to Get Rid of Medical Debt
Learn how to wipe out medical debt in bankruptcy.
Is My 401k Account Exempt or at Risk in Bankruptcy?
In most cases, your 401k and other retirement accounts are protected in bankruptcy.
How to Protect Your Home in Bankruptcy
Find out what happens to your home in Chapter 7 and Chapter 13 bankruptcy. Learn about filing for bankruptcy when you're behind on your mortgage payments and what it means to "exempt" equity in your home.
Is My Bankruptcy Case Over When I Get a Discharge?
Your bankruptcy case ends when the court closes it, not when you get a discharge.