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

What Debts Should I Pay During My Chapter 7 Bankruptcy Case?
A Chapter 7 bankruptcy "discharges" or eliminates eligible debts you owe when filing your bankruptcy petition. Learn why you'll remain responsible for obligations incurred after filing.
Can You Discharge Payday Loans in Bankruptcy?
Payday loans are usually dischargeable in bankruptcy, unless "presumptive fraud" rules apply to a recent cash advance. See how Chapter 7 and Chapter 13 treat this debt.
Running Up Credit Cards Before Filing Bankruptcy: Is it Fraud?
You can use a credit card for necessary purchases before filing for bankruptcy, but charging luxury items or taking cash advances you don't intend to repay can lead to a fraud finding. Find out why.
Debt Discharge in Bankruptcy: Nondischargeable Debts
Debtors can eliminate or “discharge” many debt types in Chapters 7 and 13, including credit card balances, personal loans, and utility bills. However, bankruptcy doesn’t discharge obligations known as "nondischargeable" debts.
Can I use my credit card before I file for bankruptcy?
Learn why you shouldn't use a credit card for a cash advance or to buy luxury items and other things not needed for your support before bankruptcy.
Chapter 7 Homestead Exemption
Filing for bankruptcy doesn't always mean losing your home. Find out how the homestead exemption works in Chapter 7, and what could put your house at risk.
Bankruptcy Exemptions - What Do I Keep When I File For Bankruptcy?
Bankruptcy exemptions determine what you get to keep during and after bankruptcy, including your home, car, retirement account, or personal belongings. But you'll have to comply with exemption rules. Learn more.
Federal Nonbankruptcy Exemptions
Almost all states have a set of exemptions that you can use to protect property in bankruptcy. If you choose to use the state exemptions, you can also use the federal nonbankruptcy exemptions.
Timing Your Bankruptcy Filing: When to Delay or Avoid Bankruptcy Altogether
Certain financial moves before bankruptcy can jeopardize your case. See which mistakes to avoid and when delaying your Chapter 7 or Chapter 13 filing can protect your assets.
Bankruptcy Preference Payments to Creditors
If you make a preference payment or transfer, your bankruptcy trustee might be able to get the money back from the person or business you paid. Learn what constitutes a bankruptcy preference payment.