Wednesday, February 18, 2026
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Bankruptcy.Blog

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A professional legal setting demonstrating how to protect 2026 tax refunds through Chapter 7 bankruptcy exemptions, featured on bankruptcy.blog.
Bankruptcy

Chapter 7 Bankruptcy Timing: Is Your Tax Refund Safe in 2026?

Alexander Hernandez 5 min read
A hand strategically lifting a chess piece labeled Bankruptcy over a chessboard, illustrating the concept of strategic dismissal and Chapter 13 settlement as discussed by Prof. Hernandez on Bankruptcy.blog
Bankruptcy

Strategic Dismissal: Plan B When Chapter 13 Bankruptcy Conversion Fails

Alexander Hernandez 5 min read
The conversion from Chapter 13 to Chapter 7 isn't automatic. Prof. Hernandez explores the Motion to Convert, common Trustee objections, and how to pass the mandatory liquidation test. ai generated image
Bankruptcy

The Chapter 13 Conversion: Motions, Objections, and the Liquidation Test

Alexander Hernandez 4 min read
Discover the Chapter 13 cure and conversion strategy with Prof. Hernandez. A tactical pivot for homeowners to protect assets, via Bankruptcy.blog.
Bankruptcy

A Chapter 13 Cure and Conversion Strategy for Homeowners

Alexander Hernandez 5 min read
AI-generated image for bankruptcy.blog illustrating the 2026 consumer bankruptcy layoffs surge. The visual features a large red arrow rising between data blocks showing Jan 2026 layoffs and 549,577 consumer filings, symbolizing the path to solvency amidst economic pressure.
Insights & Analysis

The 2026 Consumer Bankruptcy Surge: Navigating the Financial Reset

Alexander Hernandez 7 min read
3D infographic by Prof. Hernandez for Bankruptcy.blog showing the structural anatomy of the 2026 financial reset, featuring red pillars for Chapter 7, Chapter 11, and Chapter 13 with technical blueprint lines on a dark background.
Insights & Analysis

Understanding the Chapters 7, 11, and 13 Bankruptcy Surge in 2026

Alexander Hernandez 6 min read
An alarm clock showing a dollar sign with a hand checking 'Yes' on a Reaffirmation Agreement form, representing 11th-hour timing tactics in consumer bankruptcy. Published on bankruptcy.blog.
Bankruptcy

Dealing with the “Reaffirmation Ambush”: Creditor Tactics and the 11th-Hour Timing

Alexander Hernandez 6 min read
AI-generated image for Bankruptcy.blog illustrating unreported mortgage and car payments after bankruptcy; a magnifying glass reveals "No Data Found" on a credit report next to house and car keys in a law office setting.
Bankruptcy

Why Your Mortgage and Car Payments Are “Invisible” After Bankruptcy

Alexander Hernandez 5 min read
Lawyer refusal to sign Part C of a reaffirmation agreement document showing undue hardship rules for Bankruptcy.blog.
Bankruptcy

Why Your Lawyer Won’t Sign Your Reaffirmation Agreement: The Part C Liability Trap

Alexander Hernandez 5 min read
A house of cards stabilized by a glowing wildcard on a law library table. 2026 Federal Homestead and Wildcard Exemption guide for Bankruptcy.blog.
Bankruptcy

Understanding the Federal Homestead Wildcard Exemption in 2026

Alexander Hernandez 5 min read
Infographic comparing the 2026 federal bankruptcy homestead cap of $214,000 for recent movers versus the $31,575 federal homestead exemption floor. Provided by Bankruptcy.blog.
Bankruptcy

The 1,215 Day Rule versus the Federal Exemptions. Which Law Protects Your Home in 2026?

Alexander Hernandez 3 min read
Illustration of a shielded home representing the 2026 federal bankruptcy homestead exemption limits and protections. Provided by bankruptcy.blog.Visual aid created with Copilot AI for educational purposes by bankruptcy.blog.
Bankruptcy

Understanding the Federal Bankruptcy Homestead Exemption Limits

Alexander Hernandez 4 min read
Diagram explaining the 1,215-day bankruptcy rule with a $214,000 cap compared to the $31,575 federal exemption.- Bankruptcy.blog.Visual aid created with AI for educational purposes
Bankruptcy

Understanding the Bankruptcy Homestead Exemption and the 1,215-Day Rule

Alexander Hernandez 3 min read
Stack of legal documents labeled "LAWSUIT" with a pen and leather folder, illustrating creditor lawsuit defense and bankruptcy strategy for bankruptcy.blog.
Bankruptcy

Beyond the Means Test: A 2026 Strategy for Bankruptcy & Creditor Lawsuits

Alexander Hernandez 4 min read

Insights & AnalysisView All

A jagged red arrow trending upward on a dark financial grid, illustrating the 76% spike in corporate bankruptcy filings for Prof. Hernandez on Bankruptcy.blog.
Insights & Analysis

The 76% Spike in Business Bankruptcy Filings

Alexander Hernandez 4 min read

Prof. Hernandez analyzes the 76% January spike in corporate bankruptcy. Discover the “Consumer Effect” and why the 2026 Financial Reset is accelerating.

Law books and a gavel with text overlay: Statute of Limitations vs. Judgment Renewal by Professor Hernandez on Bankruptcy.blog.
Insights & Analysis

The “Zombie Debt” Trap: The Statute of Limitations vs. Judgment Renewal

Alexander Hernandez 7 min read
A credit card sitting on medical billing paperwork next to a stethoscope, illustrating predatory hospital collection tactics and the risk of medical bankruptcy—originally published on Bankruptcy.blog.
Insights & Analysis

Predatory Hospital Collection Tactics: A Silent Threat to Your Finances

Alexander Hernandez 4 min read
Three white eggs representing retirement funds sit in a nest next to a 2026 tax form, illustrating how to use 2026 401k and IRA limits for asset protection — Bankruptcy.blog
Insights & Analysis

The 2026 Retirement Limits: A Strategic Guide to Asset Protection and the Means Test

Alexander Hernandez 6 min read
A two-story suburban home with a red 'For Sale' and 'Foreclosure' sign in the front yard, illustrating how to stop a 2026 foreclosure auction and save home equity - Bankruptcy.blog.
Insights & Analysis

How to Stop a 2026 Foreclosure Auction and Protect Your Home Equity

Alexander Hernandez 6 min read

BankruptcyView All

A close-up of a beige envelope with a clear window showing the word 'BANKRUPTCY' in bold red letters. The bottom of the image has the text 'Bankruptcy.blog' in smaller, gray letters, emphasizing the procedure of after filing the bankruptcy petition.
Bankruptcy

Protecting Yourself When Sued: Bankruptcy Strategies

Alexander Hernandez 3 min read

If sued by a creditor, respond promptly; bankruptcy filing alone isn’t sufficient protection. Here’s what steps to consider taking.

A going out of business sign attached to the window of a business with the words “an LLC doesn’t protect you.” The url ‘Bankruptcy.blog’ is seen at the bottom, with an emphasis on business bankruptcy and llc bankruptcy.
Bankruptcy

Are LLCs Bulletproof? Business Bankruptcy Explained!

Alexander Hernandez 3 min read
Professor's Guide to Bankruptcy Schedule G Executory Contracts and Leases Form
Bankruptcy

Professor: What to List on Bankruptcy Schedule G.

Alexander Hernandez 4 min read
The flag of Guam waving in a tropical setting, representing information on Guam bankruptcy trustees, Guam bankruptcy exemptions, and the District Court of Guam. The url Bankruptcy.blog is visible.
Bankruptcy

Understanding Bankruptcy Exemptions in Guam

Alexander Hernandez 6 min read
A blue binder labeled 'Liquidation' on a wooden desk surrounded by office supplies such as binder clips, a highlighter, a pen, and books. The text 'BANKRUPTCY.BLOG' is visible at the bottom left corner with a focus on the chapter 13 bankruptcy liquidation test.
Bankruptcy

The Chapter 7 Liquidation Test: Why Your Non-Exempt Assets Require Chapter 13 Plan

Alexander Hernandez 4 min read

Debts & Dollars