Saturday, February 28, 2026
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Bankruptcy.Blog

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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
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

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 close-up image of a Chapter 13 Bankruptcy court form lying on a wooden desk next to a judge's gavel. The bold text "CHAPTER 13 BANKRUPTCY" is prominently featured on the document, symbolizing the start of a Chapter 13 payment plan. The bottom of the image includes the watermark: Bankruptcy.blog.
Bankruptcy

The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent

Alexander Hernandez 4 min read

Professor-verified: Your Chapter 13 plan payment is not fixed. Learn why a raise or job loss could trigger a mandatory payment increase or even force a conversion to Chapter 7 bankruptcy.

Podcast discussing reaffirmation agreements, Chapter 7 bankruptcy, negative equity, and the role of a bankruptcy trustee in keeping your car when you file for bankruptcy.
Bankruptcy

Reaffirmation Agreements: Keeping Your Car Post-Bankruptcy

Alexander Hernandez 8 min read
Image illustrating domestic support obligations, including child support and alimony. It features cut-out paper figures of two adults and two children, with a torn piece of paper reading ‘Child Support’ above them. A heart made from a folded one-dollar bill is placed between the adult figures, symbolizing financial responsibilities in family support. Text on the bottom reads “bankruptcy.blog.”
Bankruptcy

Understanding Domestic Support Obligations in Bankruptcy: A Professor’s Guide

Alexander Hernandez 6 min read
A close-up view of a severe collision between two cars, illustrating the financial damage and liability from a car accident that often requires driver's license reinstatement after bankruptcy.
Bankruptcy

Car Accident Debt and Your Driver’s License: Can Bankruptcy Get You Back on the Road?

Alexander Hernandez 5 min read
Yellow envelope with a red ‘You’ve been served’ stamp, indicating a legal document from a credit card company for mediation in a lawsuit involving a creditor and ultimately bankruptcy. Listen to the podcast now.
Bankruptcy

What to Do When Sued by a Creditor: Essential Tips

Alexander Hernandez 3 min read

Debts & Dollars