Alexander Hernandez, Author at Bankruptcy.Blog

A neighborhood severely damaged by acts of God, specifically Hurricane Helene and Hurricane Milton. The image shows houses with roofs torn off, debris scattered across lawns and driveways, and blue tarps covering parts of the damaged structures. The destruction highlights the devastating impact of these hurricanes on the community

Insights & Analysis

Alexander Hernandez 10 min read

Understanding the Act of God Clause

The author shares personal experiences with Hurricane Helene, COVID-19, and explains the “Act of God” clause.

A pair of headphones and a vintage microphone on a red background symbolizing a podcast on the discussion about the 341 meeting of creditors, the role of the bankruptcy trustee, and the responsibilities of the bankruptcy judge.

Bankruptcy

Alexander Hernandez 5 min read

Podcast-Understanding the 341 Meeting of Creditors

The blog discusses 341 meetings of creditors in bankruptcy, clarifying misconceptions about their proceedings.

Bankruptcy

Alexander Hernandez 3 min read

Protecting Yourself When Sued: Bankruptcy Strategies

If sued by a creditor, respond promptly; bankruptcy filing alone isn’t sufficient protection. Here’s what steps to consider taking.

Hurricane Wind and Rain. FEMA vs. SBA: Grants or Loans? Know Your Disaster Aid Options A Legal Guide from Bankruptcy.blog

Insights & Analysis

Alexander Hernandez 5 min read

FEMA vs. SBA Disaster Aid: Separating Grants from Loans for Financial Recovery

An attorney and law professor and disaster survivor breaks down the critical difference: FEMA provides grants, while the SBA offers loans. Learn the legal facts to protect your home and finances from misinformation.

A credit report displaying a score of 672, accompanied by a pen and keyboard. The image illustrates the process of how-to review and address credit report errors for bankruptcy.blog readers.

Insights & Analysis

Alexander Hernandez 5 min read

Understanding Credit Reports: Disputing Errors Made Easy

Learn how to identify and dispute common errors on your Equifax, Experian, and TransUnion credit reports. Protect your credit core!

A red and white sign in a window reading "Going Out of Business," representing business bankruptcy, discussing business exemptions and tools of the trade.

Insights & Analysis

Alexander Hernandez 3 min read

Understanding Bankruptcy Exemptions for Business Owners

Filing Chapter 7? Learn how business owners use state and personal bankruptcy exemptions (including tools of the trade) to protect valuable business assets.