Thursday, December 4, 2025
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Bankruptcy.Blog

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Close-up of a legal document titled "LAWSUIT" and "Summons" with two pens resting on it, next to an open law book. The image illustrates the need to respond to a creditor lawsuit before you file bankruptcy. Image includes a watermark for Bankruptcy.blog
Bankruptcy

Navigating a Creditor Lawsuit: The Strategic Use of Filing an Answer Before Bankruptcy

Alexander Hernandez 5 min read
Gavel, pen, and calculator resting on a Voluntary Petition for Individuals Filing for Bankruptcy, illustrating the Chapter 13 bankruptcy to Chapter 7 bankruptcy conversion strategy to save-home. Image by Bankruptcy.blog.
Bankruptcy

Advanced Bankruptcy Strategy: Using Chapter 13 to Save Your Home, Then Converting to Chapter 7

Alexander Hernandez 4 min read
Gavel and scales of justice, representing bankruptcy court procedure and the Suggestion of Bankruptcy. [bankruptcy.blog]
Bankruptcy

Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay

Alexander Hernandez 4 min read
Close-up of a 'PETITION FOR BANKRUPTCY' form with a pen resting on it, next to a column of numbers. White text on a blue background reads 'Filing the Proof of Claim' and 'Bankruptcy.blog'.
Bankruptcy

How to File a Proof of Claim in Any Consumer Bankruptcy Case

Alexander Hernandez 9 min read
Financial graph overlaid with a red filter and the American flag, showing a large red downward arrow, symbolizing the economic crisis, the debt-bankruptcy-lag-surge-filings, and the warning from Bankruptcy.blog
Insights & Analysis

Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026

Alexander Hernandez 4 min read
A person holding a credit card over a laptop screen displaying a "Black Friday Limited Time Offer" with "Start Shopping" button, symbolizing the temptation and risks of Black Friday purchases that could lead to bankruptcy fraud. Source: bankruptcy.blog.
Bankruptcy

Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing

Alexander Hernandez 5 min read
Approved car loan application and car key with a keyfob. A debtor in Chapter 13 bankruptcy must still get court approval before signing. (bankruptcy.blog)
Bankruptcy

Buying a Car While in Chapter 13: The Critical Steps Every Debtor Must Know

Alexander Hernandez 5 min read
A close-up image of a Chapter 13 Bankruptcy court form lying on a wooden desk next to a judge's gavel. The bold text "CHAPTER 13 BANKRUPTCY" is prominently featured on the document, symbolizing the start of a Chapter 13 payment plan. The bottom of the image includes the watermark: Bankruptcy.blog.
Bankruptcy

The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent

Alexander Hernandez 4 min read
A pen rests on a bankruptcy petition form titled "BANKRUPTCY PETITION FOR" with a financial spreadsheet showing income and expenses in the background. The image relates to Schedule I (Income) and Schedule J (expenses) guidance on bankruptcy.blog.
Bankruptcy

Schedule I (Income) of the Bankruptcy Petition: Avoid Pitfalls That Force Chapter 13 or Dismissal

Alexander Hernandez 6 min read
"BANKRUPTCY LAW" textbook representing the process of conversion between Chapter 7 bankruptcy and Chapter 13 bankruptcy.
Bankruptcy

Bankruptcy Conversions: Switching Chapters (7 to 13 and 13 to 7) Explained

Alexander Hernandez 4 min read
Image showing a graph of rising income, used to illustrate the new Means Test limits for Chapter 7 bankruptcy eligibility.
Bankruptcy

Bankruptcy Alert: New Chapter 7 Means Test Income Limits Now in Effect (November 1, 2025 Update)

Alexander Hernandez 3 min read
Empty courtroom with sunlight streaming through tall windows, a judge’s gavel resting on the bench—symbolizing stalled judicial proceedings during a federal government shutdown, while Chapter 13 bankruptcy payments continue uninterrupted.
Bankruptcy

Chapter 13 Bankruptcy & the Federal Government Shutdown

Alexander Hernandez 5 min read
Gavel and handcuffs representing the legal penalties for bankruptcy fraud in the context of the Dr. Phil case.
Bankruptcy

Bankruptcy Fraud: What Dr. Phil’s Chapter 7 Case Teaches Every Debtor

Alexander Hernandez 2 min read
A clock and calendar image representing the strategic timing required to file Chapter 7 bankruptcy to pass the means test during the government shutdown.
Bankruptcy

How a Government Shutdown Can Help You Pass the Chapter 7 Means Test

Alexander Hernandez 5 min read

Insights & AnalysisView All

Interior of an American Signature Furniture showroom, illustrating the business continuing operations despite the bankruptcy filing and pending customer orders as seen on bankruptcy.blog.
Insights & Analysis

American Signature Files for Bankruptcy, Your Order, and My Furniture Industry Forecast

Alexander Hernandez 6 min read

As a bankruptcy professor, I explain why American Signature filed and your urgent rights. Learn how to file a claim, use credit card chargebacks, and protect your furniture deposit.

FCRA (Fair Credit Reporting Act) legal book standing next to a gavel and stacked law books, symbolizing expertise in credit repair and consumer bankruptcy law. Branding for Bankruptcy.blog is visible at the bottom.
Insights & Analysis

Free FCRA Sample Letters: Dispute Credit Report Errors Yourself (Attorney Approved)

Alexander Hernandez 7 min read
Image showing a business person pushing a credit score dial from bad to good, illustrating the effort required to fix credit. The image relates to consumer warnings against credit repair organizations as seen on Bankruptcy.blog
Insights & Analysis

Credit Repair Organizations: Why I Call the Industry a Fraud

Alexander Hernandez 6 min read
3D graphic showing the US map overlaid by a large red arrow pointing up, with the white text "DEBT" across it, visualizing the national surge in corporate bankruptcies and financial distress as seen on Bankruptcy.blog.
Insights & Analysis

The Corporate Canary in the Coal Mine: S&P Data Shows Business Bankruptcies Soaring to a 15-Year High

Alexander Hernandez 4 min read
Financial crisis warning sign over a red background with downward arrows and stock charts, symbolizing the bankruptcy surge and record U.S. household debt.
Insights & Analysis

Starbucks Layoffs, Local Coffee Bankruptcies: A Professor’s Take on the Bankruptcy Crisis

Alexander Hernandez 7 min read

BankruptcyView All

drawing of a house with text "stripping a mortgage" with website url shown at the bottom "bankruptcy.blog,” emphasizing Chapter 13 bankruptcy and lien stripping a second mortgage by reducing the overall balance.
Bankruptcy

Chapter 13 Bankruptcy: Lien Stripping Explained

Alexander Hernandez 2 min read

This podcast clarifies misconceptions about mortgages, bankruptcy, and the implications of Chapter 13.

A smartphone with headphones on a dark surface displaying a podcast titled ‘Golf & Bankruptcy’ with the words ‘Podcast’ and ‘BankruptcyBlog’ visible, suggesting a thematic connection between golf and issues with Chapter 7, Chapter 13, and bankruptc trustees.
Bankruptcy

Can Your Golf Hobby Affect Bankruptcy Claims?

Alexander Hernandez 5 min read
A pink piggy bank wrapped in a chain with a closed padlock, symbolizing financial security and protecting yourself from creditor lawsuits and being judgment proof. The text ‘Bankruptcy.Blog’ is visible at the bottom.
BankruptcyInsights & Analysis

Are You Judgment-Proof? Insights on Debtor Rights

Alexander Hernandez 2 min read
Divorce Settlement Agreement form, and broken heart symbol, representing the conflict of divorce debt and bankruptcy.
Bankruptcy

Understanding Bankruptcy’s Role in Divorce Outcomes: A Legal Summary

Alexander Hernandez 4 min read
A close-up image shows a stack of medical bills with 'FINAL NOTICE' stamps and an empty wallet, highlighting the financial strain caused by health insurance and medical bills. The url ‘Bankruptcy.blog’ is visible at the bottom.
Bankruptcy

How Health Insurance and Medical Bills Drives Bankruptcy Claims

Alexander Hernandez 13 min read

Debts & Dollars