Alexander Hernandez, Author at Bankruptcy.Blog

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.

Bankruptcy Insights & Analysis

Alexander Hernandez 6 min read

Understanding the Statute of Limitations on Debt

The statute of limitations limits debt recovery time; expired debts are generally uncollectible through lawsuits.

The United States Capitol building in Washington, D.C., with a large American flag in the foreground. This image is relevant for topics related to the District of Columbia Bankruptcy Court, District of Columbia Bankruptcy trustees, and District of Columbia Bankruptcy exemptions. The url 'Bankruptcy.blog' is visible.

Bankruptcy

Alexander Hernandez 8 min read

Understanding D.C. Bankruptcy Exemptions: What You Need to Know

D.C. bankruptcy allows choosing federal or local exemptions, with specific residency and asset protection rules.

President Trump in the Oval Office at the White House signing executive orders. The desk is adorned with a stack of folders, while the backdrop features the American flag and a window that suggests daylight outside.

Insights & Analysis

Alexander Hernandez 10 min read

Understanding Trump’s Tax Claims and Executive Orders

Discusses the importance of critical thinking in evaluating political statements and tax systems.

Illustration of a graduate wearing a cap and gown, holding a sign that reads 'Now what?', representing the uncertainty faced by students post-graduation, particularly regarding wage garnishment and student loans. The url ‘Bankruptcy.blog’ is visible.

Insights & Analysis

Alexander Hernandez 4 min read

How to Protect Yourself from Student Loan Wage Garnishment

Student loans will begin wage garnishment on May 5, 2025; stay financially prepared.

Legal ruling illustration representing a case dismissed with prejudice, initiating the prejudice period and barring the debtor from refiling in a Chapter 7 and Chapter 13 bankruptcy.

Bankruptcy

Alexander Hernandez 5 min read

Dismissed with Prejudice and the Prejudice Period

The “prejudice period” limits bankruptcy refiling after dismissal, lasting 180 days for Chapter 7 and 13.

A selection of IRS tax forms, including Form 1065, Form 1120, and Form 1040, displayed on a table. These documents are issued by the Internal Revenue Service for various tax filing purposes. The url ‘Bankruptcy.blog’ is visible.

Insights & Analysis

Alexander Hernandez 8 min read

Why Abolishing the IRS is a Recipe for Economic Disaster

Abolishing the IRS risks financial instability, contradicts historical lessons, and presents impractical implications for loans.

An image depicting a U.S. Customs and Border Protection officer inspecting a traveler's belongings, with a focus on a burner phone placed on the inspection table. The url ‘Bankruptcy.blog’ is visible below.

Insights & Analysis

Alexander Hernandez 4 min read

Burner Phones: U.S. Customs and Border Protection

Burner phones recommended as protection against border phone checks.

A winding chain of black and white dominoes falling on a marble surface, illustrating the political choices and economic consequences including tariffs, labor shortages, and the $18.8 trillion household debt crisis discussed on bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 12 min read

Voting Against Self-Interest: The Economic Consequences

Prof. Hernandez analyzes the 2026 economic slowdown and the “nickel and dimed” affordability crisis. Explore the data on $18T in debt, DOGE audits, and the $14.5T immigration surplus.

Insights & Analysis

Alexander Hernandez 10 min read

Trump Denies North Carolina FEMA

Political and financial chaos is affecting everyone, necessitating individual preparation for future instability.