Skip to content
Monday, June 15, 2026
Latest:
  • How the National Debt is Forcing Consumers into Debt and Bankruptcy
  • Avoidance, Abandonment, and the Scope of Bankruptcy Trustee Powers
  • Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?
  • Bankruptcy Code Structure: The Different Chapters Explained | Prof. Hernandez
  • Can You Go to Jail for Debt? The Reality of Debtors’ Prisons

Bankruptcy.Blog

Be informed. Be prepared.

  • Bankruptcy
  • Insights & Analysis
  • Filing Bankruptcy
  • Courts & Trustees
    • Alabama-Iowa
    • Kansas-Montana
    • Nebraska –
  • YouTube Channel
Cover photo illustrates the link between rising national debt and consumer bankruptcy. The split-screen contrasts the U.S. Treasury, marked with a $38.5 trillion national debt ticker, against a strained family monthly budget sheet and a past due notice on a kitchen table. The Bankruptcy.blog watermark is in the lower left.
Insights & Analysis

How the National Debt is Forcing Consumers into Debt and Bankruptcy

Alexander Hernandez 7 min read
Cover photo for chapter‑7‑bankruptcy‑trustee‑powers on Bankruptcy.blog showing Lady Justice, a gavel, and a “Bankruptcy Code” document with keys and a small house symbolizing trustee powers, avoidance, and abandonment under Chapter 7.
Consumer Bankruptcy Law

Avoidance, Abandonment, and the Scope of Bankruptcy Trustee Powers

Alexander Hernandez 9 min read
Cover photo for bankruptcy.blog depicting a legal gavel and vehicle keys on top of Chapter 7 Bankruptcy Court legal forms. This visual represents the core guide on chapter 7 bankruptcy and car loans.
Bankruptcy

Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?

Alexander Hernandez 8 min read
Cover image for Structural Overview of the Bankruptcy Code article on Bankruptcy.blog, featuring stacked labeled blocks for Chapters 7, 13, 11, 12, and 9 beside the book Consumer Bankruptcy Law (Routledge Publishing), a gavel, and a bankruptcy petition form symbolizing the structure of U.S. bankruptcy law.
Consumer Bankruptcy Law

Bankruptcy Code Structure: The Different Chapters Explained | Prof. Hernandez

Alexander Hernandez 10 min read
Cover photo for Can You Go to Jail for Debt article on Bankruptcy.blog showing a subpoena, failure to appear notice, and gavel symbolizing debt collection contempt and court process.
Insights & Analysis

Can You Go to Jail for Debt? The Reality of Debtors’ Prisons

Alexander Hernandez 6 min read
**Short Alt Text:** Cover image showing a red “PAYDAY” calendar, dollar bills, and a yellow warning sign beside the title *Why You Should Never File Bankruptcy on Payday*.
Bankruptcy

Why You Should Never File for Bankruptcy on Payday

Alexander Hernandez 5 min read
A legal scale, gavel, and documents referencing 11 U.S.C. Section 541 for a bankruptcy.blog article detailing the risks of passive business ownership bankruptcy, featuring a corporate pie chart illustrating a 25% minority share.
Bankruptcy

The Hidden Risk of Passive Business Ownership in Consumer Bankruptcy

Alexander Hernandez 6 min read
Cover photo for Bank Account Signatory Bankruptcy Asset on Bankruptcy.blog, showing a pen above a signature line with a gavel and trustee file, symbolizing signatory vs. ownership distinction.
Bankruptcy

Signatory vs. Owner: Is that Bank Account Actually Your Asset in Bankruptcy?

Alexander Hernandez 5 min read
Cover photo for spousal corporation personal bankruptcy risks on Bankruptcy.blog showing corporate documents, scales of justice, and bankruptcy law book.
Bankruptcy

The Danger of Being a “Silent” Business Owner in Personal Bankruptcy

Alexander Hernandez 7 min read
Joint bank account parents bankruptcy cover photo for Bankruptcy.blog showing legal books, courthouse, and shield labeled “Convenience Account Defense.”
Bankruptcy

The Convenience Bank Account Trap: Can a Trustee Take Your Parents’ Money?

Alexander Hernandez 8 min read
A professional legal analysis graphic from Bankruptcy.blog featuring a 529 college savings plan jar wearing a miniature graduation cap next to a judicial gavel, a Chapter 7 bankruptcy petition, and authoritative law books.
Bankruptcy

Can the Bankruptcy Trustee Take Your 529 College Plan?

Alexander Hernandez 5 min read
A split-screen comparison graphic from Bankruptcy.blog detailing a child-savings-account-bankruptcy scenario. The left side shows a standard savings account seized by a bankruptcy estate gavel, while the right side shows a protected UTMA/UGMA custodial account covered by a safety shield.
Bankruptcy

Is Your Child’s Bank Account Safe in Bankruptcy?

Alexander Hernandez 7 min read
A close-up of a financial document layout for bankruptcy.blog featuring a clean bank statement ledger with a pen, sitting next to a professional legal binder labeled bankruptcy.
Bankruptcy

What Are “Clean Bank Statements in Bankruptcy?

Alexander Hernandez 7 min read
Foreclosure surge 2026 illustration showing a house, foreclosure sign, and legal symbols representing homeowner rights and Chapter 13 bankruptcy — Bankruptcy.blog.
Bankruptcy

Foreclosures Are Rising: Understanding Your Rights in a Judicial vs. Non‑Judicial State

Alexander Hernandez 6 min read

Insights & AnalysisView All

Graph showing chapter 7 outpacing chapter 13 consumer bankruptcy filings, featured on bankruptcy.blog.
Insights & Analysis

Why Chapter 7 Liquidations Are Outpacing Chapter 13 Cases

Alexander Hernandez 6 min read

Chapter 7 filings are growing at triple the rate of Chapter 13. Learn how escrow shock and the $18.8T household‑debt crisis are driving a wave of liquidations.

Cover photo for Redfin Delisting Surge: Buying Time Strategy on bankruptcy.blog, showing a delisted home and foreclosure notice symbolizing financial strain.
Insights & Analysis

The Redfin Delisting Surge: The  “Buying Time” Strategy

Alexander Hernandez 8 min read
United States map showing bankruptcy surge in 49 states, illustrating ABI report data and consumer debt trends — Bankruptcy.blog.
Insights & Analysis

Mapping the Bankruptcy Surge: Newsweek Report Means Struggling Households

Alexander Hernandez 6 min read
Graph from Bankruptcy.blog detailing a consumer bankruptcy surge, with text highlighting economic shock and financial pressure as analyzed in the Moody's Analytics report.
Insights & Analysis

Why the Moody’s Analytics Report Signals a Consumer Bankruptcy Surge

Alexander Hernandez 6 min read
Federal Reserve chart showing rising household debt by age group and its growing impact on seniors.
Insights & Analysis

The $18.8 Trillion Household Debt Crisis: Why Older Americans Are Struggling Financially

Alexander Hernandez 5 min read

BankruptcyView All

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

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

Alexander Hernandez 4 min read

Bankruptcy Attorney & Law Professor explains how a 401k withdrawal impacts the Chapter 7 bankruptcy Mean Test.

Professor's guide to Chapter 7 bankruptcy, liquidation, and means testing, showing legal books and a gavel.
Bankruptcy

Quick Guide to the Basics: Liquidation, Exemptions, and The Means Test

Alexander Hernandez 4 min read
An image of Official Form 103B, "Application to Have the Chapter 7 Filing Fee Waived," which is used to request a waiver of the filing fee for a chapter 7 bankruptcy. This form is not applicable to a chapter 13 bankruptcy.
Bankruptcy

A Payment Plan or Applying for a Waiver of the Bankruptcy Filing Fees

Alexander Hernandez 7 min read
Gavel and handcuffs representing the legal penalties for bankruptcy fraud in the context of the Dr. Phil case.
Bankruptcy

Bankruptcy Fraud: What Dr. Phil’s Chapter 7 Case Teaches Every Debtor

Alexander Hernandez 2 min read
A wooden house cutout, a pen, and an alarm clock with a wooden sign that reads 'PAY OFF DEBT' are arranged on a light wooden surface, symbolizing a debt-free journey. The url “Bankruptcy.blog” is written across the bottom.
Bankruptcy

The Time Factor in Becoming Debt-Free: A Deep Dive with Prof. Hernandez

Alexander Hernandez 4 min read

Debts & Dollars

A professional woman participating in a remote Chapter 7 341 meeting via Zoom; she has her hand raised to be sworn in by the bankruptcy trustee, with a Social Security card and the Routledge textbook 'Consumer Bankruptcy Law' visible on her desk as seen on Bankruptcy.blog.
Bankruptcy

What to Expect at Your 341 Meeting: A Law Professor’s Guide

Close-up of a divorce settlement document and gavel, representing the legal costs that may require a personal loan or lead to bankruptcy.
Insights & Analysis

Divorce Debt: Loans vs. Bankruptcy | Prof. Hernandez

The flag of Guam waving in a tropical setting, representing information on Guam bankruptcy trustees, Guam bankruptcy exemptions, and the District Court of Guam. The url Bankruptcy.blog is visible.
Bankruptcy

2026 Guide: Understanding Bankruptcy Exemptions in Guam

A silver car with significant front-end damage is being towed away at night in an urban setting. The aftermath of the accident highlights potential legal and financial implications, such as a car accident lawsuit, the need for a car accident lawyer, and the risk of bankruptcy stemming from associated costs. The url ‘Bankruptcy.blog is visible across the bottom.
Bankruptcy

Understanding Bankruptcy and Car Accident Lawsuits

Conceptual visualization of golf expenses as seen by a bankruptcy trustee: a golf scorecard stamped "LUXURY EXPENSE" in red, with US dollars, coins, a golf club, and a ball on a wooden surface. Bankruptcy.blog.
Bankruptcy

Golf and Bankruptcy: Are Your Greens Fees a “Red Flag” to the Trustee?

Latest Posts

  • How the National Debt is Forcing Consumers into Debt and Bankruptcy
  • Avoidance, Abandonment, and the Scope of Bankruptcy Trustee Powers
  • Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?
  • Bankruptcy Code Structure: The Different Chapters Explained | Prof. Hernandez
  • Can You Go to Jail for Debt? The Reality of Debtors’ Prisons
  • Why You Should Never File for Bankruptcy on Payday
  • Why Chapter 7 Liquidations Are Outpacing Chapter 13 Cases
  • The Hidden Risk of Passive Business Ownership in Consumer Bankruptcy
  • The Statutory Distribution of Debt in Bankruptcy
  • The Redfin Delisting Surge: The  “Buying Time” Strategy

More Resources

  • Find Your Local Bankruptcy Court
  • How to File for Bankruptcy
  • Paralegal Bankruptcy Video Series
  • YouTube Videos
  • Bankruptcy Guide
  • Insights & Analysis
  • YouTube Channel
  • About Professor Alexander Hernandez
  • Contact
  • Terms of Service
  • Privacy Policy
  • Advertiser Disclosures

Copyright © 2026 Bankruptcy.Blog. All rights reserved.