Cara O'Neill

Cara O'Neill is a legal editor and writer at Nolo, focusing on bankruptcy, consumer credit, and debt. She writes for several sites, including,,, and She also edits a variety of Nolo book titles and updated Nolo’s  How to File Chapter 7 Bankruptcy,  19th  edition.

Prior to joining Nolo, Cara practiced for over 20 years in civil litigation and bankruptcy. During that time, she served as an Administrative Law Judge mediating disputes in the automotive industry, taught undergraduate and graduate law courses, and served as house counsel for a large insurance company. She earned her law degree in 1994 from the University of the Pacific, McGeorge School of Law, where she served as a law review editor and graduated a member of the Order of the Barristers—an honor society recognizing excellence in courtroom advocacy. Cara maintains a bankruptcy practice in Roseville, California at the Law Office of Cara O’Neill.

You can also find Cara at