Friday, March 20, 2026
Latest:

Bankruptcy.Blog

Be informed. Be prepared.

Cover image for Bankruptcy.blog showing retail stores with “Closing” signs, a dissolving store credit card, and a falling credit score gauge to illustrate the zombie-store-card credit risk caused by retail closures in 2026.
Insights & Analysis

The Zombie Store Card: Why Retail Closures are a Hidden Credit Score Landmine

Alexander Hernandez 6 min read
Credit score gauge on cash stack: how to improve credit score with debt financing. Bankruptcy.blog
Insights & Analysis

Why Your “Common Sense” is Killing Your Credit Score

Alexander Hernandez 7 min read
Learn how to complete Official Form 108: The Statement of Intention. Prof. Hernandez explains your options for secured assets, including surrender, reaffirmation, and redemption in Chapter 7 bankruptcy.
Bankruptcy

Official Form 108: Understanding the Statement of Intention

Alexander Hernandez 5 min read
910-Day Rule flip-clock with car and calendar explaining Chapter 13 car loan cramdowns for Bankruptcy.blog.
Bankruptcy

The 910-Day Rule: Explaining The Cramdown on Car Loans

Alexander Hernandez 7 min read
Comparison of Chapter 13 bankruptcy cramdown vs lien stripping for cars and second mortgages. The graphic illustrates how a vehicle cramdown reduces principal and how lien stripping removes a junior mortgage on a home. Expert legal insights from bankruptcy.blog.
Bankruptcy

Cramdown vs. Lien Stripping: What’s the Difference in Chapter 13 Bankruptcy?

Alexander Hernandez 5 min read
A car price tag showing a loan balance reduced from $20,000 to $12,000, illustrating how to reduce car loan balance through a bankruptcy cramdown as explained on Bankruptcy.blog.
Bankruptcy

How to Reduce Your Car Loan Balance Using a Bankruptcy Cramdown

Alexander Hernandez 6 min read
A conceptual image of the 3-2-240 rule featuring a calendar, a clock, and a gavel, illustrating how to discharge tax debt and protect your pocket from politics on Bankruptcy.blog
Bankruptcy

Discharging Your IRS Tax Debt With Bankruptcy: The 3-2-240 Rule for 2026

Alexander Hernandez 4 min read
Close-up of an IRS Form 9465 Installment Agreement on a clipboard with a pen, illustrating why Chapter 13 is the ultimate IRS tax debt restructuring tool for readers of Bankruptcy.blog.
Bankruptcy

Why Chapter 13 is the Ultimate IRS Tax Debt “Restructuring” Tool

Alexander Hernandez 7 min read
An overhead photo of an IRS notice and a bankruptcy petition form resting on a wooden desk alongside a legal gavel, a pen, and a law book. This image illustrates a potential legal strategy where tax payments reduce disposable income to help a debtor qualify for Chapter 7 bankruptcy protection, as detailed on bankruptcy.blog.
Bankruptcy

Prof. Hernandez: Using Tax Installment Agreements to Qualify for Chapter 7

Alexander Hernandez 6 min read
Editorial illustration for bankruptcy.blog by Prof. Hernandez showing a tax refund check and cash being used to pay bankruptcy attorney fees. This visual guide explains the strategic use of tax refunds for Chapter 7 and Chapter 13 bankruptcy filings.
Bankruptcy

Using Your Tax Refund to Hire a Bankruptcy Attorney: A Strategic Guide

Alexander Hernandez 4 min read
Infographic for Chapter 13 bankruptcy illustrating how to use a tax refund strategically for plan funding. The image shows a U.S. Treasury tax refund check being placed into a Chapter 13 plan folder, demonstrating plan feasibility and the catch-up of arrears. Insights by Prof. Hernandez at bankruptcy.blog.
Bankruptcy

Chapter 13 Bankruptcy, Tax Refunds, and Funding the Plan

Alexander Hernandez 4 min read
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 6 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

Insights & AnalysisView All

A hand protectively cupping a white nest egg labeled 401k on a wooden surface, illustrating why bankruptcy beats 401k withdrawal and the ERISA shield for retirement accounts on Bankruptcy.blog.
Insights & Analysis

Why Filing Bankruptcy is Better Than Raiding Your 401(k)

Alexander Hernandez 5 min read

With a record number of 401(k) hardship withdrawals, consider filing for bankruptcy instead of raiding your retirement account.

Prof. Hernandez analyzes the 401k withdrawal home purchase risks and the Home Savings Act in a crumbling economy on Bankruptcy.blog.
Insights & Analysis

Robbing Your Future: The Hidden Risks of Using a 401(k) to Buy a House

Alexander Hernandez 6 min read
Prof. Hernandez analyzes the Fox report on 401k hardship withdrawals and the bankruptcy lag on Bankruptcy.blog. The image shows a retirement fund gauge draining toward empty, signaling a 2026 economic indicator for rising foreclosure and medical debt filings
Insights & Analysis

Record 401(k) Hardship Withdrawals are a Leading Economic Indicator for 2026

Alexander Hernandez 4 min read
A "Going Out of Business" sign on a retail storefront illustrating the 2026 surge in small business Chapter 7 filings due to tariff inflation, as analyzed by Bankruptcy Attorney & Law Professor Hernandez on Bankruptcy.blog.
Insights & Analysis

Small Business Tariff Inflation and Chapter 7 Bankruptcy in 2026. The Quiet Crisis

Alexander Hernandez 6 min read
A minimalist illustration depicting a "tug-of-war" between economic forces. A black silhouette of a person pulls a rope; on the left side of the rope is the word "TARIFFS" and on the right is "CHAPTER 13 BANKRUPTCY." The image symbolizes the strain of rising costs on consumer debt reorganization plans on Bankruptcy.blog.
Insights & Analysis

How the 2026 Tariffs Affect Chapter 13 Bankruptcy Plans

Alexander Hernandez 4 min read

BankruptcyView All

Nondischargeable debts (11 U.S.C. § 523): Professor's legal analysis showing a gavel and chained credit cards.
Bankruptcy

Understanding Nondischargeable Debts in Bankruptcy

Alexander Hernandez 7 min read

Bankruptcy doesn’t eliminate all debts; criminal fraud, back taxes, and domestic support obligations are non-dischargeable.

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
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: Can You Keep Your Firearms?

Alexander Hernandez 5 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
A wooden legal gavel and a house-shaped keychain with a key, representing the legal intersections of homeownership, mortgage liens, and bankruptcy law on Bankruptcy.blog.
Bankruptcy

The Confusion with Mortgage Liens and Bankruptcy

Alexander Hernandez 5 min read

Debts & Dollars