Alexander Hernandez, Author at Bankruptcy.Blog

A split image showing a family farm and a kitchen table with groceries, illustrating how the 2026 Chapter 12 bankruptcy surge impacts grocery prices. Analysis via Bankruptcy.blog.

Why Chapter 12 Bankruptcy is Hitting the 2026 Kitchen Table

With Chapter 12 filings up 46%, the farm crisis is hitting home. Prof. Hernandez explains how the “Red Rural Recession” is driving 2026 grocery inflation and supply chain delays.

National debt surpasses GDP consumer impact explained by Prof. Hernandez on Bankruptcy.blog, featuring a high grocery receipt and a home labeled with national debt.

Insights & Analysis

Alexander Hernandez 7 min read

When the National Debt Surpasses GDP, Households Feel It

Prof. Hernandez explains how the rising national debt drives up interest rates, squeezes household budgets, and raises the cost of living in 2026.

Bankruptcy

Alexander Hernandez 4 min read

Probate Court and Inheritances in Bankruptcy: The 180-Day Rule

Discover how the 180-day rule affects inheritances in bankruptcy. Prof. Hernandez explains the risks of “time travel” assets, the date of death trigger, and why disclaiming an inheritance is considered a fraudulent transfer. Learn how to protect your future assets through strategic timing.

A professional conceptual image representing divorce settlement bankruptcy exemptions and the protection of home sale proceeds for Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 5 min read

Protecting Divorce Assets When Filing for Bankruptcy

Learn why divorce settlements and home sale proceeds may not be exempt in bankruptcy. Prof. Hernandez explains the reinvestment rule and how to protect your assets.

Bankruptcy

Alexander Hernandez 4 min read

Why Being a Life Insurance Beneficiary is a Risk in Bankruptcy

Discover why being a life insurance beneficiary is a high-stakes gamble in bankruptcy. Learn how the 180-day rule under Section 541 can allow a Trustee to seize your payout and why timing your filing is critical to protecting your family’s legacy. Expert analysis by Prof. Hernandez.

An overhead photograph on a dark wood desk showing legal files labeled ‘Worker’s Comp Benefits,’ ‘Means Test 6-Month Lookback,’ and ‘Schedule I & J Disposable Income’ next to a calculator and pen, used as the main image for a bankruptcy.blog article discussing the workers-comp-means-test.

Bankruptcy

Alexander Hernandez 4 min read

How Bankruptcy is Affected By Your Worker’s Comp Settlement

Prof. Hernandez explains how worker’s compensation impacts the bankruptcy means test. Learn how to manage the gap between the 6-month lookback and your real-world budget on Schedules I and J to avoid the “disposable income” trap.

Insights & Analysis

Alexander Hernandez 6 min read

Why Your Exempt Worker’s Comp Settlement Is at Risk with Bankruptcy

Prof. Hernandez explains how commingling exempt worker’s comp or retirement funds with general cash can lead to frozen accounts and lost legal protections.

A metaphorical image from Bankruptcy.blog compares a Closed grey door labeled "Deed in Lieu," which is heavily obstructed by post-it notes representing junior liens (Second Mortgage, HOA Lien, SBA Loan, and Tax Lien), to an Open blue door labeled "Bankruptcy," offering a clear and unobstructed path forward.

Insights & Analysis

Alexander Hernandez 6 min read

Deed in Lieu of Foreclosure vs.Bankruptcy. Which Is the Better Exit?

Bankruptcy Attorney & Law Professor explains which choice is better between a Deed in Lieu of Foreclosure or Chapter 7 or13 Bankruptcy?

Illustration of a tenant standing between a “Foreclosure” door and a “Tenant Rights” door, symbolizing landlord bankruptcy and foreclosure issues; Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 7 min read

Proactive Tenant Strategies When the Landlord is in Foreclosure

Protect your lease when a landlord faces foreclosure or bankruptcy. Prof. Hernandez explains how to use PACER, the impact of Section 365, and your rights under the PTFA 90-day rule.”

A legal conceptual image on a wooden desk showing Parent PLUS Loan files and official U.S. Department of the Treasury warning notices. Documents for "WAGE GARNISHMENT," "TREASURY OFFSET PROGRAM," and "PROPERTY LIEN FILING" are displayed prominently. The image illustrating treasury collection risks is from bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 4 min read

The Parent PLUS Trap: Why You Are a Target For Creditors

Bankruptcy Attorney and Law Professor** Prof. Hernandez warns that Parent PLUS loans make parents an “easy target.” Learn how the Treasury uses wage garnishment and Social Security seizure to recover six-figure educational debt.