Alexander Hernandez, Author at Bankruptcy.Blog

Red tractor planting crops under dramatic light, illustrating the Chapter 12 bankruptcy crisis caused by failed tariff policies and farmer bailouts. bankruptcy.blog

The Tariff Hoax: The Farmer Bailouts to Avoid Bankruptcy

Expert analysis of why farm bailouts failed to prevent Chapter 12 filings. See how the tariff hoax and loss of foreign aid markets crippled farmers.

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Insights & Analysis

Alexander Hernandez 4 min read

The Post-Bankruptcy Credit Surge: Rebuild Your Credit

A bankruptcy discharge is a clean slate. Learn the post-bankruptcy credit surge strategy, including the Secured Credit Card and Credit-Builder Loan tactics.

Bankruptcy

Alexander Hernandez 5 min read

The Rule 2004 Examination: The Broadest Discovery Tool in Bankruptcy

The Rule 2004 Examination is the “fishing expedition” used by Trustees to investigate assets, transfers, and grounds for discharge denial. Understand its broad scope and limitations.

Bankruptcy

Alexander Hernandez 9 min read

Spotting the Critical Issues in Bankruptcy Schedule J (Expenses)

Avoid costly mistakes on Schedule J. Learn how Trustees scrutinize expenses, handle joint filings, and calculate disposable income to prevent Chapter 7 conversion or case dismissal.

A dark, ominous red cityscape representing the perfect financial storm. Text overlay reads "FINANCIAL CRISIS." The image illustrates the blog post's analysis of record debt, AI job threats, and policy tariffs, linking to Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 7 min read

The Perfect Financial Storm is Here

Travel bans, AI job losses, and tariff policy are creating a ‘perfect storm.’ Learn how record household debt is driving U.S. foreclosures and bankruptcy filings among businesses and consumers.

Close-up of a legal document titled "LAWSUIT" and "Summons" with two pens resting on it, next to an open law book. The image illustrates the need to respond to a creditor lawsuit before you file bankruptcy. Image includes a watermark for Bankruptcy.blog

Bankruptcy

Alexander Hernandez 5 min read

Navigating a Creditor Lawsuit: The Strategic Use of Filing an Answer Before Bankruptcy

Don’t default! Learn the strategic reason to file an Answer to a creditor lawsuit: buying essential time for saving or qualifying to file for bankruptcy.

Bankruptcy

Alexander Hernandez 4 min read

Advanced Bankruptcy Strategy: Using Chapter 13 to Save Your Home, Then Converting to Chapter 7

Learn how the Chapter 13 to Chapter 7 conversion strategy allows debtors to cure mortgage arrears, save their home from foreclosure, and discharge unsecured debt.

Bankruptcy

Alexander Hernandez 4 min read

Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay

Don’t lose your car or wages! Learn the critical steps to enforce the Automatic Stay by filing the Notice or Suggestion of Bankruptcy and legally stop all creditor action now.

Bankruptcy

Alexander Hernandez 9 min read

How to File a Proof of Claim in Any Consumer Bankruptcy Case

A professor’s essential guide on filing Official Form 410 (Proof of Claim). Learn how to secure your consumer deposit and claim priority status under 11 U.S.C. § 507.

Financial graph overlaid with a red filter and the American flag, showing a large red downward arrow, symbolizing the economic crisis, the debt-bankruptcy-lag-surge-filings, and the warning from Bankruptcy.blog

Insights & Analysis

Alexander Hernandez 4 min read

Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026

Bankruptcy attorney & law professor explains the debt-to-bankruptcy lag & the record debt that guarantees a surge in bankruptcy filings.