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Tuesday, May 12, 2026

Latest:

401(k) Loans in Chapter 13: The Step‑Up Trap That Can Break Your Plan
How Your 401(k) Withdrawal Can Sabotage Your Chapter 7 Means Test
The Hidden Small‑Business Bankruptcy Wave: From Chapter 11 to 7
How Retirement Contributions Affect a Bankruptcy Case
401(k) Loans in Bankruptcy: Why They Are Listed as Secured Debt

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An expert analysis of the 401k loan chapter 13 step up trap on Bankruptcy.blog, featuring a side-by-side comparison of a 401k loan agreement and a Chapter 13 plan payment schedule.

401(k) Loans in Chapter 13: The Step‑Up Trap That Can Break Your Plan

Alexander Hernandez 4 min read

401k withdrawal means test impact graphic blocking a Chapter 7 doorway, illustrating how income spikes affect eligibility for readers of bankruptcy.blog.

How Your 401(k) Withdrawal Can Sabotage Your Chapter 7 Means Test

Alexander Hernandez 4 min read

Closed small‑business storefront dissolving into debt paperwork — symbolic cover image for small‑business‑bankruptcy‑trends‑chapter‑11‑vs‑7 on Bankruptcy.blog.

Insights & Analysis

The Hidden Small‑Business Bankruptcy Wave: From Chapter 11 to 7

Alexander Hernandez 5 min read

An illustration of a valve redirecting funds between retirement and disposable income pipes, representing how retirement contributions affect disposable income in bankruptcy, as discussed on Bankruptcy.blog.

How Retirement Contributions Affect a Bankruptcy Case

Alexander Hernandez 4 min read

A conceptual scale balancing a golden egg in a 401k nest against a stack of bankruptcy petition documents, illustrating why 401k loans are classified as secured debt in bankruptcy. Featured on bankruptcy.blog.

401(k) Loans in Bankruptcy: Why They Are Listed as Secured Debt

Alexander Hernandez 4 min read

A household budget notebook showing $0 savings is overshadowed by the looming silhouette of a gas pump. Past due bills and cash on the table visualize the inflation impact on household budgets at a breaking point, analysis by bankruptcy.blog.

Insights & Analysis

How Spirit Airlines’ Collapse Compares to the American Household

Alexander Hernandez 5 min read

A conceptual image for bankruptcy.blog depicting the inheritance-bankruptcy-risk-180-day-rule; an envelope labeled 'Inheritance' with a '180 Days' stamp is being pulled into a bankruptcy estate box, illustrating how the bankruptcy trustee claims future assets.

Probate Court and Inheritances in Bankruptcy: The 180-Day Rule

Alexander Hernandez 4 min read

A graphic illustrating the life insurance beneficiary bankruptcy risk, showing a path split between a green "Protected" arrow and a red "Bankruptcy Estate" arrow. A central life insurance policy icon sits on the path, highlighting the potential consequences under the 180-day rule discussed on bankruptcy.blog.

Why Being a Life Insurance Beneficiary is a Risk in Bankruptcy

Alexander Hernandez 4 min read

An overhead photograph on a dark wood desk showing legal files labeled ‘Worker’s Comp Benefits,’ ‘Means Test 6-Month Lookback,’ and ‘Schedule I & J Disposable Income’ next to a calculator and pen, used as the main image for a bankruptcy.blog article discussing the workers-comp-means-test.

How Bankruptcy is Affected By Your Worker’s Comp Settlement

Alexander Hernandez 4 min read

Comparative graphic for Bankruptcy.blog showing the treatment of a personal injury settlement in Chapter 7 Asset Liquidation versus a Chapter 13 Repayment Plan. Available on bankruptcy.blog.

Personal Injury Settlements: Chapter 7 vs. Chapter 13 Bankruptcy

Alexander Hernandez 4 min read

A split-screen illustration showing a medical X-ray and stethoscope on the left, contrasting with a hand holding a 'Personal Injury Settlement' file stamped 'APPROVED BY TRUSTEE' over a bankruptcy court document on the right. Visually representing the bankruptcy and trustee process for PI settlements, for bankruptcy.blog.

How Personal Injury Settlements Move Through a Bankruptcy Case

Alexander Hernandez 5 min read

Personal injury settlement check being claimed by a bankruptcy estate, illustrating exemption rules by Prof. Hernandez on Bankruptcy.blog.

Protecting Your Recovery: Personal Injury Settlements and the Bankruptcy Estate

Alexander Hernandez 6 min read

Cover photo for Bankruptcy.blog showing an eviction notice on a tenant’s door with a Notice of Bankruptcy Filing in the foreground, illustrating the bankruptcy‑eviction pre‑ vs. post‑judgment rule.

Does Bankruptcy Stop Eviction? The Pre vs. Post-Judgment Rule

Alexander Hernandez 5 min read

A tenant holding a notice of landlord bankruptcy at their apartment door, illustrating tenant rights and Section 365(h) protections discussed on bankruptcy.blog.

The Tenant in the Middle: What Happens When Your Landlord Files Bankruptcy?

Alexander Hernandez 7 min read

Insights & AnalysisView All

Three‑tier image illustrating the rural recession, corporate crisis, and consumer financial strain — cracked farm soil, empty boardroom, and kitchen table with unpaid bills — symbolic of America’s economic fault line. Bankruptcy.blog.

Insights & Analysis

The Perfect Storm: From Rural America, to the Boardroom, to the Kitchen Table

Alexander Hernandez 7 min read

Prof. Hernandez analyzes the “Perfect Storm”: Linking the Chapter 12 farm surge to corporate insolvency and the rise of household debt survival tactics.

A split image showing a family farm and a kitchen table with groceries, illustrating how the 2026 Chapter 12 bankruptcy surge impacts grocery prices. Analysis via Bankruptcy.blog.

Insights & Analysis

Why Chapter 12 Bankruptcy is Hitting the 2026 Kitchen Table

Alexander Hernandez 6 min read

National debt surpasses GDP consumer impact explained by Prof. Hernandez on Bankruptcy.blog, featuring a high grocery receipt and a home labeled with national debt.

Insights & Analysis

When the National Debt Surpasses GDP, Households Feel It

Alexander Hernandez 7 min read

A professional conceptual image representing divorce settlement bankruptcy exemptions and the protection of home sale proceeds for Bankruptcy.blog.

Insights & Analysis

Protecting Divorce Assets When Filing for Bankruptcy

Alexander Hernandez 5 min read

Insights & Analysis

Why Your Exempt Worker’s Comp Settlement Is at Risk with Bankruptcy

Alexander Hernandez 6 min read

BankruptcyView All

Legal image of a gavel on money, representing the automatic stay protection against wage garnishment after filing for bankruptcy.

Wages Garnished After Filing Bankruptcy? It’s an Illegal Automatic Stay Violation. Here’s Your 3-Step Legal Fix.

Alexander Hernandez 5 min read

You filed for bankruptcy to avoid a wage garnishment. You did the hard part, took the financial leap, followed the

A pair of glasses resting on a document titled ‘BANKRUPTCY CHAPTER 7’ with the URL ‘Bankruptcy.Blog’ at the bottom, all placed on a dark surface with blurred stacks of papers in the background. The document references the bankruptcy code and is likely being reviewed by a bankruptcy trustee.

Understanding Bankruptcy: Effect of Joint Car Ownership in Chapter 7 and Chapter 13

Alexander Hernandez 7 min read

Colorado state flag waving in the wind during a scenic sunrise or sunset, with mountains in the distance. The flag features blue and white horizontal stripes, a red 'C,' and a yellow circle in the center. The text 'Bankruptcy.blog' is visible in the bottom left corner, focusing on contact information for the United States Bankruptcy Court District of Colorado, Colorado Bankruptcy Trustee, and Colorado bankruptcy exemptions.

Understanding Colorado Bankruptcy Exemptions

Alexander Hernandez 6 min read

A legal document titled "Chapter 13 Bankruptcy Plan" sits on a wooden desk next to a judge’s gavel and a pair of eyeglasses. A large blue "CONFIRMED" stamp is positioned prominently across the center of the plan. The website Bankruptcy.blog is printed at the bottom, and the image represents the final stage of a Chapter 13 bankruptcy confirmation hearing.

Chapter 13 Confirmation Hearings: Process, Objections, and Judicial Approval

Alexander Hernandez 6 min read

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

Understanding Nondischargeable Debts in Bankruptcy

Alexander Hernandez 7 min read

Debts & Dollars

3.10.25Hi. Welcome to another episode of Morning Coffee with me, professor Alex. Now today is kind of a continuation of something I've been complaining about before. Wrote another blog post and it in another video where. It was titled Don't Target Target meaning target the store, but I now see that we've gone from a one day blackout to a 40 day blackout. And I just don't understand why. I think you got it all wrong everybody. Boycotting target or any other department store. I disagree. 1st place I have a saying that I always tell clients it's easy to spend money that's not mine. Target, for example, is getting sued for billions of dollars by the state Attorney General of Florida. Now what? I. Guess people don't understand this, but. You see what Mark Zuckerberg and everyone else? They went on bended knee like we like to say to President Trump. Well, if billions of dollars were on the line, your billions of dollars, what would you do if you could just go over there and say some nice things and make it all disappear? Would. You could say no if it's your private business, right? But. If you have a company, a publicly shared company, you know stock market and everything else, that's not an option that's going to be given to you because you have to do what's best for the company and the Board of Directors are the ones that are going to say. We need to. This lawsuit, worth billions of dollars. So go over there and tell President Trump or whoever what they want to hear and make the case disappear. Guess who did that? Happen with Mark Zuckerberg. Now I know some of you have been saying. Well, Apple didn't do it. Apple did it the first time around. Why they were treated differently with taxes and everything else during Trump's first term? So Apple bended the knee a long time ago, but now we see this issue with major corporations like target. And I know the issue is dei, but your anger is misdirected. 1st place how do we get there? We got there based on a Supreme Court ruling and now the dei initiatives of President Trump, which includes eliminating anything in any way that references to anything that's dei trying to basically whitewash everything in this country. Know I've seen the photos where there's black people who worked. War Two soldiers that's coming out. It's beyond. It's obviously, it's clearly it's racist, but. If target is trying to comply and it's not just target, it's also Ford and other companies have had to do the same. Chase, I don't see anybody running around saying they're taking their their money out of chase, so why are they focusing on target? Well, because it's easy. It's easy to go online and say I'm not going. Target anymore. And then you boycott target. But you're attacking the wrong person. This was all created by the Supreme. This was all created by Trump and you're attacking the companies that are trying to comply with this DI initiatives. Now let's say you do. Bankrupt somehow target who pays the price for that? The board members of Target worth hundreds of millions of dollars. You can affect the employees, the ones that have a side hustle and trying to make ends meet. And by the way, if Target filed for bankruptcy, do you think the CEOs and and the board members all have to get a side hustle to pay their mortgage that month? No, they do. They probably not going to get the 90 foot yacht, but they'll settle for the 55 foot yacht and the way bankruptcy laws are written is guess who gets paid first. You think it's a person? Learns to eat. Least amount of money at Target. No, the way your laws are written, you can look this up every single time there's a bankruptcy filed, even TARP funds going back to Obama. Where the CEO's and everyone else are getting hundreds of millions of dollars in bonuses and payouts, and you're lucky there's any money leftover for the employees. The ones that are that are stocking the ones that are that are working the cashier, the ones who are doing deli. The ones that take the the merchandise. Your car so the drive throughs you don't have to get inside. Are the people that you're going? Hurt the most? The people they actually trying to protect the most. Where's the log logic? I don't understand. The rich people, they're not going to lose their houses or their. They have multiple streams of income. OK, they don't only have target stock, they have stocks and everything. They're invested in businesses that they lose 1 business, the other business will make money for. And like I said, they're not going to lose their house. Assuming they had to, let's really go under exaggerated in here. Say they're going to lose their $20 million mansion. They're just going to sell it. Pocket a few $1,000,000 and go buy another. Instead of a $20 million mansion, they have a $5,000,000 mansion. There's still a lot more than what that checkout person that helped you on that target or all these other department stores have. Who once they lose their job and they have to go into bankruptcy. They're not going to bounce back that. You could bounce back from bankruptcy. I've seen it hundreds of times with my clients, but it's not that simple. So every time you're targeting these companies, you're only hurting the employees. You're not hurting the ones on top. Those are the ones you want to go after after. But you can't. So what do you do? You just go online and you protest. Instead of protesting President Trump and his dei policies and the Supreme Court. That requires effort, right? It requires getting in your car, going to meetings, getting organized, and then eventually you can go and do this protest. Just easier to go online and say I'm. Target and we'll. We'll leave it at that. And then at the end. Guess what? Who you're hurting. Here's the funny part. All you're doing is getting distracted like squirrel. That's all you're doing. Meanwhile, Trump is doing all this stuff. He's canceling all these dei policies. Going. State attorney generals are filing lawsuits against these these corporations. And at the end of the day, they're getting distracted by that. That's all it. It's a distraction you're looking at. Get let's boycott target. And again, if you bankrupt them, who are you? Hurting, you're not hurting the CEO and the board members. You can trust me on that. You can go look up what other companies they belong to. Their estimated net worth and if they lose a position on the board because target is liquidated. OK, so who comes up and swallows them up? Walmart or some other company. And then when they do the same thing, we're going to go through the process all over again. It's absurd. Misdirected. It's also part ignorance and I have to say it that way because you're attacking the employees, you're not attacking the source. The source is President Trump and his. Dei policies. You've even seen Pete Hegseth talk about Dei and the State Department. It's. It's kind of hot out of control how they made this the boogeyman when reality is the people that are hired are qualified to be hired and if a corporation feels like hiring someone is not qualified, that's their business. But at the end. You need to think twice. Take a deep breath. Let's not overreact and start picking and choosing certain companies. When you have to look at why they got to where they got and again look it up. All public record the state Attorney General, Florida. Is filing lawsuits with billions of dollars. They are not the only state. It won't be the only. They're going to target everyone, and while everyone can jump on the Costco bandwagon, say I'm just going to get all my stuff at Costco. It is your right. Is your constitutional right? The shop, wherever you wish to shop and buy wherever you want to buy and buy however you wish to buy it and get it as much of debt as you wish to buy it. The problem is is just very simple, it's misdirected. That's all it is. I don't deny that there's ways around the dei initiatives. Some companies are getting. They're calling it something different and and that's the loophole for now, and I'm sure target will go down that road eventually. But again, I just want every. Back and think of who you're hurting the most the most. How many board members are there? Let's make it up 10. How many? Are there at Target? Thousands. If they go bankrupt, that is. Thousands of people who would lose their job. Just look at what's happening with the Federal purge, how they're at risk of losing their their apartments, what they've leased their houses, they have no money coming in you. State some of them got a. There's going to be no buyout with target if you bankrupt. All right. So that's my opinion. I wouldn't particularly pursue target or any company like that because like I said, I know where the source comes from and that source is present. Trump, that's who you should be boycotting. Not this. Oh, I'm just gonna go online and and and and complain and ***** a little bit about target and never shop there again. Assuming you don't, which you probably will. You'll eventually need something from them, but even if you stick to your guns on that one. Congratulations all your all you did was hurt the stalker. All you did. The the stalker sounds like a say. The stock person doesn't. Sounds like a like a felony. The checkout person and everyone else who is middle class working there. We keep complaining. That the middle class has been eliminated and been wiped out. You're contributing to that. All right, so keep that in. Be prepared financially, like I keep saying, chaos creates political instability and political instability creates financial instability. Take care. A sticky note on a keyboard with 'Cancel Culture' written on it, symbolizing online activism or boycotts, such as movements like 'boycott Target.' The keyboard features a red enter key and backspace key, emphasizing the digital nature of these actions. The url ‘Bankruptcy.blog’ is visible.

Insights & Analysis

The Real Victims of Target Boycotts Revealed

A workspace setup featuring a laptop with a black screen, a white coffee mug, and several documents or newspapers spread out on a wooden surface. The documents contain various articles and images, with one partially rolled up. A pen rests on top of the documents, and the text 'Bankruptcy.blog' is prominently displayed at the bottom of the image with a focus on Elon Musk and DOGE taking over the U.S. Treasury department.

Insights & Analysis

Your Personal Data with the Treasury Department is at Risk

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.

The Confusion with Mortgage Liens and Bankruptcy

A vulture perched on a grey sofa holding a pen in its beak, looking down at a legal bankruptcy reaffirmation agreement on a clipboard. Featured on Bankruptcy.blog by Prof. Hernandez to illustrate vulture creditors' high-pressure tactics.

Reaffirmation Agreements: Why “Vulture Creditors” Want Your Signature

A clock and calendar image representing the strategic timing required to file Chapter 7 bankruptcy to pass the means test during the government shutdown.

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

Latest Posts

401(k) Loans in Chapter 13: The Step‑Up Trap That Can Break Your Plan
How Your 401(k) Withdrawal Can Sabotage Your Chapter 7 Means Test
The Hidden Small‑Business Bankruptcy Wave: From Chapter 11 to 7
How Retirement Contributions Affect a Bankruptcy Case
401(k) Loans in Bankruptcy: Why They Are Listed as Secured Debt
How Spirit Airlines’ Collapse Compares to the American Household
The Perfect Storm: From Rural America, to the Boardroom, to the Kitchen Table
Why Chapter 12 Bankruptcy is Hitting the 2026 Kitchen Table
When the National Debt Surpasses GDP, Households Feel It
Probate Court and Inheritances in Bankruptcy: The 180-Day Rule

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