Alexander Hernandez, Author at Bankruptcy.Blog

A crisp one-dollar bill is frozen within a large, translucent ice cube. The website address ‘Bankruptcy.Blog’ is overlaid in white text at the bottom of the image emphasizing issues with a creditor lawsuit and having a bank account frozen including Social Security income.

How to Avoid a Bank Account Freeze: A Professor’s Legal Guide

Professor Alexander Hernandez, J.D., shares essential legal strategies to prevent a bank account freeze. Learn how to protect your income and navigate creditor lawsuits.

Graphic showing a stylized white house silhouette with a red arrow trending upwards through it against a blue background with faded financial graphs. The text ‘Bankruptcy.Blog’ is displayed at the bottom.

Insights & Analysis

Alexander Hernandez 5 min read

Bankruptcy Filings Rise: Trends & Predictions

Bankruptcy filings increased 16.8% in 2023, with a prediction of ongoing growth through 2025.

Red glittery stamp on a white background with the words ‘SCAM ALERT!’ in bold, capital letters, and the website ‘Bankruptcy.Blog’ in smaller print below

Insights & Analysis

Alexander Hernandez 3 min read

FTC Issues $4.1 Million in Refunds: What Student Loan Refund for Scam Victims

Professor Alexander Hernandez, J.D., explains how to claim your share of the $4.1M FTC student loan refund. Get the facts on Mission Hills Federal and other scams.

A stack of US dollar bills secured with a blue rubber band and labeled with a yellow sticky note reading ‘SIDE GIG INCOME’ on top of a laptop keyboard, with pens and a notepad nearby, and the watermark ‘Bankruptcy.blog’ at the bottom. This image represents additional income that can help individuals facing mortgage foreclosure, seeking advice from a Chapter 13 bankruptcy attorney, or considering a deed in lieu of foreclosure.

Insights & Analysis

Alexander Hernandez 5 min read

What Drea de Matteo’s Story Teaches Us Foreclosure Defense

Professor Alexander Hernandez, J.D., analyzes the Drea de Matteo foreclosure. Discover key foreclosure defense strategies, from side hustles to Chapter 13 bankruptcy.

Bankruptcy

Alexander Hernandez 4 min read

Chapter 13 Bankruptcy: Lien Stripping Explained

This podcast clarifies misconceptions about mortgages, bankruptcy, and the implications of Chapter 13.

A sign with the words 'BUSINESS CLOSED' in bold black letters against a white background, indicating that the business is no longer operating. The sign is mounted on a black pole with a blue sky in the background indicating a rise in Chapter 11 bankruptcy or business bankruptcy cases. The text 'Bankruptcy.blog' is visible in the bottom left corner.

Insights & Analysis

Alexander Hernandez 2 min read

Chapter 11 Bankruptcies Soar: Analyzing the 2026 Surge

Chapter 11 filings surged 72% in 2025. Professor Alexander Hernandez, author of Consumer Bankruptcy Law, analyzes the 2026 debt storm and retail’s digital shift.

A close-up of four credit cards in different colors (red, yellow, white, and blue) stacked on top of each other on a dark surface. The text 'Bankruptcy.blog' is visible in the bottom left corner.

Insights & Analysis

Alexander Hernandez 3 min read

Biden Caps Credit Card Late Fees to $8: Impact on Consumers

President Biden’s new rule caps credit card late fees at $8, saving consumers billions annually.

Red arrow showing a steep upward trend over financial charts, with the word "ECONOMIC" in bold black text. The image visually represents the surge in business bankruptcy filings (Chapter 11 and Chapter 7) driven by high interest rates and record consumer debt in 2025. Source: Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 7 min read

The Post-Pandemic Debt Storm: Why Bankruptcy Filings Hit a 15-Year High

As corporate & consumer bankruptcies surge in 2025, Professor Hernandez breaks down why record debt, high interest rates, and the end of forbearance are accelerating Chapter 11 and Chapter 7 filings.

A brown leather wallet is wrapped in a metal chain secured with a padlock, symbolizing being judgment proof against creditors. The text "Bankruptcy.blog" is visible in the bottom left corner._

Insights & Analysis

Alexander Hernandez 6 min read

What Does It Mean to Be “Judgment-Proof”?

Are you judgment-proof? Discover which assets are exempt from creditors, how to handle a lawsuit, and the #1 mistake that puts your protected income at risk.

A severely damaged black car involved in a car accident. The front of the car is crushed and the hood is open, revealing the engine. The car is parked on the side of a wet highway indicating bankruptcy might result due to a car accident lawsuit. The url ‘Bankruptcy.blog’ is available below.

Bankruptcy

Alexander Hernandez 5 min read

Filing for Bankruptcy After a Car Accident Lawsuit

A damaged red car with significant dents and missing parts, lying in a green grassy field beside a road, with rolling hills in the background.