Alexander Hernandez, Author at Bankruptcy.Blog

A person’s arm extended out of a car window, hand open against a backdrop of a blurred road and trees bathed in the warm glow of the setting sun, symbolizing the relief from a Chapter 13 bankruptcy plan, including nonexempt assets and the cramdown process. Text reads ‘Bankruptcy.Blog’

Bankruptcy

Alexander Hernandez 6 min read

Maximize Savings with Chapter 13 Cramdown | Bankruptcy Blog

Chapter 13 bankruptcy offers benefits such as protecting nonexempt assets and allowing for a cramdown on car loans.

Bankruptcy

Alexander Hernandez 6 min read

Can You Pay Bankruptcy Attorneys with Credit Cards?

Debtors wonder how to pay a bankruptcy lawyer. Using credit cards and attorney fees are discussed.

A torn document on a wooden desk, with the left side showing a signed Personal Loan Agreement next to a gold wedding ring, and the right side showing an invoice for a $5,000 retainer fee next to a calculator displaying $5,000, illustrating how to manage personal loans for divorce attorney fees from the Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 5 min read

Financing the End: Should You Use a Personal Loan for Your Divorce?

Can you use a personal loan to pay for a divorce lawyer? Prof. Hernandez explains the risks of financing contested vs. uncontested cases and the link to bankruptcy.

Microphone with headphonesand text podcast using a personal loan to improve your credit score.

Insights & Analysis

Alexander Hernandez 13 min read

Overcoming Bad Credit: My Personal Journey

I share my story of overcoming bad credit and offers tips for rebuilding credit effectively.

Bankruptcy

Alexander Hernandez 4 min read

Stopping Foreclosure: Can Chapter 13 Save Your Home at the Last Minute?

Is your foreclosure sale only days away? Prof. Hernandez explains how the Automatic Stay and “bare-bones” Chapter 13 filings provide a last-minute lifeline to save your home and catch up on missed payments.

A photograph of a final notice for a medical bill on top of other hospital bills, with coins and a wallet visible, placed on a dark surface emphasizing that creditors have left the debtor without money. The text ‘Bankruptcy.Blog’ is overlaid at the bottom right.”

Insights & Analysis

Alexander Hernandez 18 min read

Navigating Medical Debt: Tips for Protecting Your Finances

Millions struggle with healthcare costs. Bankruptcy Podcast covers pros, cons of debt consolidation, and medical bill tips.

Red Lobster restaurant storefront showing the transition from a closed sign to a successful Chapter 11 reopening. Bankruptcy.blog

Insights & Analysis

Alexander Hernandez 5 min read

Will Red Lobster Survive? What Their Chapter 11 Teaches Us About Bankruptcy

Red Lobster survived its Chapter 11 bankruptcy. Discover the legal strategies that saved the brand as you prepare for 2026.

Official update on VA mortgage assistance options in 2026 showing the VASP program retired. The graphic highlights new mortgage modifications, partial claim timelines, and Chapter 13 relief for veterans. Expert foreclosure defense insights from Prof. Hernandez at Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 5 min read

VA Foreclosure Relief in 2026: What Homeowners Need to Know After VASP Ends

VASP is gone, and no replacement program exists yet. Learn the real VA mortgage assistance options in 2026, including modifications, timelines, and Chapter 13 relief.

A colorful map of the United States displayed on a black chalkboard that focuses on the states opposing student loan forgiveness and debt relief under President Biden’s SAVE plan. Scrawled in chalk below the map is the website address bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 6 min read

Find Out Which States Oppose Student Loan Forgiveness

Prof. Hernandez analyzes the Republican-led lawsuits blocking student loan relief. Learn how states used MOHELA’s revenue to establish standing and what the shift toward aggressive collections means for borrowers in 2026.

Bankruptcy

Alexander Hernandez 4 min read

What to Expect at Your 341 Meeting: A Law Professor’s Guide

Learn what to expect at your 341 meeting from Prof. Hernandez. A guide to the Chapter 7 Trustee’s questions, 2026 remote hearing rules, and your path to solvency.