Alexander Hernandez, Author at Bankruptcy.Blog

An educational infographic for Bankruptcy.blog illustrating the household-debt-crisis-bankruptcy-wave of 2026, featuring a pressure gauge in the danger zone to provide SEO-driven analysis on how record debt and inflation lead to rising legal filings.

The Household Debt Crisis Driving the 2026 Bankruptcy Wave

Learn how the household debt crisis & bankruptcy wave are unfolding in 2026 & what legal options protect families facing rising delinquencies.

Bankruptcy

Alexander Hernandez 4 min read

The Chapter 13 Marathon: Why You Need Permission Before Taking on New Debt

New debt in Chapter 13 is permanent and requires court approval. Learn how the “Motion to Incur Debt” protects your case, explained by a Bankruptcy Attorney & Law Professor.

Bankruptcy

Alexander Hernandez 4 min read

Bankruptcy’s Timing Mistake: Medical Bills & Debt You Can’t Erase

Post‑petition debt is permanent, making bankruptcy timing critical. Learn how the snapshot rule protects you, explained by a Bankruptcy Attorney & Law Professor.

Bankruptcy

Alexander Hernandez 4 min read

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

A 401(k) loan in Chapter 13 can trigger a step‑up trap that raises your plan payments. Bankruptcy Attorney & Law Professor explains.

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

Bankruptcy

Alexander Hernandez 4 min read

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

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

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

Alexander Hernandez 5 min read

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

Small‑business bankruptcies are rising as owners shift from Chapter 11 to Chapter 7. Learn how tariffs, rates, leases, and personal liability drive liquidation

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.

Bankruptcy

Alexander Hernandez 4 min read

How Retirement Contributions Affect a Bankruptcy Case

Bankruptcy Attorney & Law Professor explains how 401(k) & IRA retirement contributions affect your disposable income in bankruptcy.

Bankruptcy

Alexander Hernandez 4 min read

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

As living costs rise in 2026, 401(k) loans are becoming more common, yet many don’t realize they are classified as secured debt. Prof. Hernandez explains why these loans aren’t dischargeable in bankruptcy and the severe tax penalties of defaulting.

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

Alexander Hernandez 5 min read

How Spirit Airlines’ Collapse Compares to the American Household

Rising costs are grounding families like Spirit Airlines. Learn how inflation is pushing household budgets to a breaking point.

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

Alexander Hernandez 7 min read

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

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

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