Tuesday, February 24, 2026
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Bankruptcy.Blog

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A conceptual illustration of a person caught in a tug-of-war between Chapter 7 and Chapter 13, representing the bankruptcy means test gap caused by 2026 tariff inflation. Analysis featured on Bankruptcy.blog.
Insights & Analysis

Tariff Inflation and the Chapter 7 Bankruptcy Means Test Gap

Alexander Hernandez 4 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
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
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

Insights & AnalysisView All

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

With January layoffs at 2009 levels and 564,613 consumer filings, 2026 is a turning point. Prof. Hernandez (Routledge author) explains your path to solvency.

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
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
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

BankruptcyView All

A person’s arm extended out of a car window, hand open against a backdrop of a blurred road and trees bathed in the warm glow of the setting sun, symbolizing the relief from a Chapter 13 bankruptcy plan, including nonexempt assets and the cramdown process. Text reads ‘Bankruptcy.Blog’
Bankruptcy

Maximize Savings with Chapter 13 Cramdown | Bankruptcy Blog

Alexander Hernandez 6 min read

Chapter 13 bankruptcy offers benefits such as protecting nonexempt assets and allowing for a cramdown on car loans.

Legal documents and gavel representing the filing process and the role of a bankruptcy petition preparer, featured on bankruptcy.blog.
Bankruptcy

Bankruptcy Petition Preparers: A Compliance Checklist Under 11 U.S.C. §110

Alexander Hernandez 4 min read
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 4 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
A graduation cap labeled Debt with a red Cancelled stamp, representing how to stop student loan garnishment through an adversary proceeding and government settlement as seen on Bankruptcy.blog.
BankruptcyInsights & Analysis

Suing the Government is Your Best Move Against Student Loan Garnishments

Alexander Hernandez 5 min read

Debts & Dollars