Thursday, March 26, 2026
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Bankruptcy.Blog

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Cover image for Prof. Hernandez's guide on canceling a bankruptcy reaffirmation agreement, featuring a 60-day calendar deadline as seen on bankruptcy.blog.
Bankruptcy

Understanding the Bankruptcy Rescission Period with Reaffirmation Agreements

Alexander Hernandez 6 min read
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.
Bankruptcy

Reaffirmation Agreements: Why “Vulture Creditors” Want Your Signature

Alexander Hernandez 7 min read
A wide-angle view of a formal federal courtroom with wooden benches and the judge's bench, illustrating the requirements for a reaffirmation agreement court appearance as discussed on Bankruptcy.blog.
Bankruptcy

Do I Have to Go to Court for a Reaffirmation Agreement?

Alexander Hernandez 7 min read
Cover image illustrating the concept that bankruptcy raises credit scores, showing a red “BANKRUPTCY FILED” stamp hitting a document while a credit score gauge jumps from the 500s into the 700+ range as seen on Bankruptcy.blog
Insights & Analysis

The Bankruptcy Contradiction: Why Filing Can Raise Your Credit Score

Alexander Hernandez 6 min read
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

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

Cure mortgage arrears concept: A model house on a calendar next to an 'Urgent Past Due' notice. Bankruptcy.blog
Bankruptcy

Cure Mortgage Arrears: How to Force a Lender to Accept Your Payments

Alexander Hernandez 6 min read

Stop foreclosure even if your lender refuses payment. Prof. Hernandez explains how to cure mortgage arrears using Chapter 13 and state court motions to compel.

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
A wooden gavel resting on the judge's bench in the foreground of an empty courtroom, symbolizing the authority of a judge and the potential delay in a filed Chapter 7 bankruptcy case during a government shutdown.
Bankruptcy

Missing Creditors in Bankruptcy Petition? Here’s What You Can Do

Alexander Hernandez 5 min read
A white car is being towed on a flatbed truck on a highway. The text overlay reads, 'The Bankruptcy Trustee Wants Your Car But It’s Not Even Yours!' The image is from Bankruptcy.Blog
Bankruptcy

Understanding Car Titles in Bankruptcy

Alexander Hernandez 2 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

Debts & Dollars