Saturday, February 14, 2026
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Bankruptcy.Blog

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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
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
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
Bankruptcy.blog. The chapter 13 guide 2026. A photo of the Chapter 13 petition, a financial reorganization or wage earner's plan for 2026 to stop foreclosure and save assets.
Bankruptcy

Chapter 13 Bankruptcy Guide 2026 | Stop Foreclosure & Protect Assets

Alexander Hernandez 5 min read

Insights & AnalysisView All

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

Think your debt expired? A judgment can live for decades through renewals. Learn the difference between the SOL and “Zombie Debt” from Professor Hernandez.

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
A person studying debtor resources at a desk, featuring a 'Pro Se Litigant's Guide' from the Civil Court Clerk's Office, a laptop showing LawHelp Interactive, and notes on a Motion to Dismiss. A professional legal research setting for Bankruptcy.blog.
Insights & Analysis

Navigating the Legal Maze: Essential Debtor Resources When Facing Lawsuits

Alexander Hernandez 7 min read

BankruptcyView All

Personal Loan Agreement showing cash, illustrating the risk of unsecured family loans and preferential transfers in bankruptcy.
BankruptcyInsights & Analysis

Understanding Personal Loans and Bankruptcy Risks: An Expert Analysis

Alexander Hernandez 7 min read

A Professor of Bankruptcy Law & Attorney details the risks of repaying family loans. Learn why a Preferential Transfer is illegal.

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.
Bankruptcy

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

Alexander Hernandez 7 min read
Cover image for a video guide on completing the Bankruptcy Petition, featuring a pen and calculator on the petition form. The guide provides expert analysis on Schedule H: Co-Debtors.
Bankruptcy

Schedule H: How to Protect Co-Debtors from Debt Liability

Alexander Hernandez 4 min read
A person holding a credit card over a laptop screen displaying a "Black Friday Limited Time Offer" with "Start Shopping" button, symbolizing the temptation and risks of Black Friday purchases that could lead to bankruptcy fraud. Source: bankruptcy.blog.
Bankruptcy

Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing

Alexander Hernandez 5 min read
A lightbox sign displaying the text "STATUTE OF LIMITIONS" is placed next to a white analog alarm clock with brown bells. The background consists of wooden planks, and the text "Bankruptcy.blog" is visible at the bottom of the image. This image visually emphasizes the importance of time in legal matters, particularly regarding statutes of limitations in bankruptcy cases. The url 'bankruptcy.blog' is visible.
BankruptcyInsights & Analysis

Understanding the Statute of Limitations on Debt

Alexander Hernandez 6 min read

Debts & Dollars