Alexander Hernandez, Author at Bankruptcy.Blog

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.

Does the Government Shutdown Stop Your Chapter 7 Bankruptcy?

Filed Chapter 7 bankruptcy, and now there’s the government shutdown? A bankruptcy attorney and professor explains how this affects your case.

An empty federal courthouse hallway with many closed doors, symbolizing court delays and operational impacts during a federal government shutdown on bankruptcy cases.

Bankruptcy

Alexander Hernandez 4 min read

Government Shutdown & Your Bankruptcy Case: What You Need to Know Now

Will the federal government shutdown affect your bankruptcy case? A bankruptcy attorney and professor explains the process.

Bankruptcy

Alexander Hernandez 4 min read

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

Expert analysis of Bankruptcy Schedule H, Co-Debtors and the Automatic Stay and how it protects co-debtors.

Severely damaged black car after a front-end collision on a wet highway. The image illustrates the financial and legal consequences that can lead to Chapter 13 license reinstatement.

Bankruptcy

Alexander Hernandez 5 min read

Chapter 13 Bankruptcy and Driver’s License Reinstatement

Bankruptcy law professor explains how Chapter 13 license reinstatement works to wipe out debt from a car accident debt.

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

Alexander Hernandez 5 min read

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

If your driver’s license was suspended, learn how to use Chapter 7 bankruptcy to reinstate your license. Learn the critical steps.

Bankruptcy

Alexander Hernandez 7 min read

The 2% Gamble: Why Chapter 13 Bankruptcy is Not a DIY Project

Bankruptcy Professor explains the harsh truth: pro se Chapter 13 filings have a near-zero success rate.

Red blocks spelling DEBT with gold coin stacks increasing underneath a sharp red upward arrow, signifying rising financial obligation and debt surge leading to an increase in bankruptcy filings.

Insights & Analysis

Alexander Hernandez 2 min read

Bankruptcy Filings Surge in 2025: What the Numbers Reveal About Economic Stress

A Sharp Rise in Bankruptcy Filings—What’s Driving It? According to recent data from Epiq AACER, U.S. bankruptcy filings have surged

Bankruptcy

Alexander Hernandez 5 min read

Chapter 7 Bankruptcy: When to Surrender Your Car

Surrendering your car in Chapter 7 is complex. A bankruptcy law professor explains the critical timing of vehicle surrender, how the loan deficiency becomes unsecured debt, and the crucial financial trap you must avoid when listing your expenses.

Bankruptcy

Alexander Hernandez 4 min read

Professor: What to List on Bankruptcy Schedule G.

Professor’s guide to Schedule G: Avoid common mistakes with leases and executory contracts.

Bankruptcy

Alexander Hernandez 5 min read

The Two-Home Trap: Why Chapter 7 Isn’t an Option When You Want to Keep Both Houses

Chapter 7 bankruptcy may risk asset liquidation; consider Chapter 13 to retain properties.