Be informed. Be prepared.
Prof. Hernandez exposes the “Reaffirmation Ambush”—when creditors wait until the last minute to send agreements. Learn how to handle 11th-hour tactics and avoid being blamed for lender delays.
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Payments missing from your credit report? Bankruptcy Attorney & published Law Professor Hernandez explains why mortgage and auto loans go unreported after bankruptcy and how to fix it.
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Bankruptcy attorney and law professor explains why your attorney refuses to sign Part C of a reaffirmation agreement. Discover the “undue hardship” math and how to keep your car without the risk.
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Professor Alexander Hernandez explains the 2026 Federal Homestead Exemption ($31,575) and how the “unused” portion creates a $17,475 Wildcard to save your cash and car.
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Confused by the $214,000 cap and the $31,575 exemption? This head-to-head comparison explains which federal bankruptcy number protects your home equity in 2026.
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What is the federal bankruptcy homestead exemption limits for 2026? Learn about the $31,575 & why it differs from the 1,215-day cap.
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What is the 1,215-day rule? Learn how this 40-month clock caps homestead equity at $214,000 in 2026 and why it’s different from federal exemption limits.
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Think your debt expired? A judgment can live for decades through renewals. Learn the difference between the SOL and “Zombie Debt” from Professor Hernandez.
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Stop predatory hospital collection tactics from draining your bank account. Learn why handing over your card at the ER is a trap leading to medical bankruptcy.
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Passing the 2026 Means Test is only step one. Learn how Schedule I/J and judgment liens impact Chapter 7 eligibility and how to protect your equity from lawsuits.
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