Saturday, December 13, 2025
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Bankruptcy.Blog

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Chapter 13 Bankruptcy petition form with a pen, covering hardship discharge requirements and rules. Bankruptcy.blog
Bankruptcy

The Chapter 13 Bankruptcy Hardship Discharge

Alexander Hernandez 5 min read
Red tractor planting crops under dramatic light, illustrating the Chapter 12 bankruptcy crisis caused by failed tariff policies and farmer bailouts. bankruptcy.blog
Insights & Analysis

The Tariff Hoax: The Farmer Bailouts to Avoid Bankruptcy

Alexander Hernandez 3 min read
Credit report showing an "Excellent" score of 765, glasses, and a keyboard. Overlay text includes the keywords "rebuild your credit" and the website "Bankruptcy.blog".
Insights & Analysis

The Post-Bankruptcy Credit Surge: Rebuild Your Credit

Alexander Hernandez 4 min read
Cover photo for the Bankruptcy.blog post showing a gavel on a book labeled "BANKRUPTCY LAW," symbolizing the Rule 2004 Examination and discovery in federal bankruptcy court.
Bankruptcy

The Rule 2004 Examination: The Broadest Discovery Tool in Bankruptcy

Alexander Hernandez 5 min read
Cover photo for Bankruptcy.blog post showing a close-up of the official Schedule J form to minimize disposable income and avoid Chapter 7 dismissal.
Bankruptcy

Spotting the Critical Issues in Bankruptcy Schedule J (Expenses)

Alexander Hernandez 9 min read
A dark, ominous red cityscape representing the perfect financial storm. Text overlay reads "FINANCIAL CRISIS." The image illustrates the blog post's analysis of record debt, AI job threats, and policy tariffs, linking to Bankruptcy.blog.
Insights & Analysis

The Perfect Financial Storm is Here

Alexander Hernandez 7 min read
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
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

Insights & AnalysisView All

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

Bankruptcy attorney & law professor explains the debt-to-bankruptcy lag & the record debt that guarantees a surge in bankruptcy filings.

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
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

BankruptcyView All

A close-up image showing a portion of the United States Constitution with the prominent phrase ‘We The People’ at the top, overlaid on an American flag. In the foreground, there is a handgun resting on top of both the document and flag. In the bottom right corner, there is a watermark that reads ‘Bankruptcy.Blog
Bankruptcy

Second Amendment Rights and Bankruptcy: What You Need to Know

Alexander Hernandez 7 min read

Bankruptcy exemptions vary by state, affecting firearm ownership despite Second Amendment rights.

Severely damaged black car after a front-end collision on a wet highway. The image illustrates the financial and legal consequences that can lead to Chapter 13 license reinstatement.
Bankruptcy

Chapter 13 Bankruptcy and Driver’s License Reinstatement

Alexander Hernandez 5 min read
Legal ruling illustration representing a case dismissed with prejudice, initiating the prejudice period and barring the debtor from refiling in a Chapter 7 and Chapter 13 bankruptcy.
Bankruptcy

Dismissed with Prejudice and the Prejudice Period

Alexander Hernandez 5 min read
A hand holding multiple credit cards fanned out, with various colors and bank names visible, against a wooden background. The text ‘Bankruptcy.Blog’ is visible in the corner, suggesting a theme of filing for bankruptcy and trustee related issues.
Bankruptcy

Avoiding Credit Card Use Before Bankruptcy

Alexander Hernandez 8 min read
A closed brown leather wallet wrapped with a heavy metal chain and secured with a brass padlock, emphasizing protecting one’s assets from creditor lawsuits to be judgment proof. The text ‘Bankruptcy.Blog’ overlaid at the bottom.
Bankruptcy

What It Means to Be Judgment-Proof

Alexander Hernandez 3 min read

Debts & Dollars