Alexander Hernandez, Author at Bankruptcy.Blog

The husband wearing a black blazer next to his wife as they sign divorce papers dividing their marital debt. The text ‘Bankruptcy.Blog’ at the bottom.

Personal Loans and Credit Cards: Dividing Marital Debt in a Divorce

A divorce attorney and law professor explains how marital debt is divided, and why debt in one spouse’s name may still be shared in divorce.

A wooden gavel resting on the judge's bench in the foreground of an empty courtroom, symbolizing the authority of a judge and the potential delay in a filed Chapter 7 bankruptcy case during a government shutdown.

Bankruptcy

Alexander Hernandez 5 min read

Missing Creditors in Bankruptcy Petition? Here’s What You Can Do

Forgot to list a creditor in your Chapter 7 bankruptcy? Take these steps to protect yourself and keep the automatic stay in place.

Bankruptcy

Alexander Hernandez 7 min read

Strategic Foreclosure Delay: Using Bankruptcy to Secure a Successful Home Sale

Authored by a published law professor. This guide details how to use bankruptcy to secure a crucial delay and successfully sell your home before foreclosure.

Pen pointing at 'Yes' or 'No' on a form asking 'Should you sign a Reaffirmation Agreement?'

Bankruptcy

Alexander Hernandez 6 min read

Bankruptcy & Car Loans: Reaffirmation and Co-Signer Risk

Debtors facing bankruptcy must decide whether to keep or surrender their car and understand co-borrower and co-signer liabilities.

Image illustrating domestic support obligations, including child support and alimony. It features cut-out paper figures of two adults and two children, with a torn piece of paper reading ‘Child Support’ above them. A heart made from a folded one-dollar bill is placed between the adult figures, symbolizing financial responsibilities in family support. Text on the bottom reads “bankruptcy.blog.”

Bankruptcy

Alexander Hernandez 6 min read

Understanding Domestic Support Obligations in Bankruptcy: A Professor’s Guide

Domestic support obligations, like alimony and child support, are not dischargeable in bankruptcy. They have priority.

Bankruptcy

Alexander Hernandez 7 min read

Understanding Bankruptcy: Effect of Joint Car Ownership in Chapter 7 and Chapter 13

Hailey’s joint ownership of her boyfriend’s car in Georgia complicates her options for bankruptcy filing.

Assorted white pills and capsules spilled from an open bottle on a light blue background with the text ‘Bankruptcy.Blog focusing on the rite aid bankruptcy filing. Consumers debtors are facing a rush in creditor lawsuits to avoid the statute of limitations.

Insights & Analysis

Alexander Hernandez 8 min read

Rite Aid Locations Closing in California Due to Bankruptcy- What You Need to Know

Rite Aid bankruptcy spurs closures in California. Bankruptcies surged in 2023; expect more filings in 2024.

The White House with a fountain in front and a flowerbed of red flowers, under a clear sky, with the text ‘Bankruptcy.Blog’ overlaying at the bottom as the Biden Administration provides student loan forgiveness for borrowers under the PSLF.

Insights & Analysis

Alexander Hernandez 2 min read

$5 Billion More in Student Loan Debt Relief for 74,000 Borrowers

The Biden administration cancels $5 billion in student loans for 74,000 borrowers, including teachers, nurses, and firefighters.

Close-up of a pen signing official bankruptcy documents related to an LLC or limited liability company filing.

Bankruptcy Insights & Analysis

Alexander Hernandez 6 min read

LLC Bankruptcy: A Professor’s Take on Why Limited Liability Doesn’t Always Protect You

Even with an LLC, filing for business bankruptcy may require personal bankruptcy. Chapter 7 or 11 is possible.

Paper cutouts of a separated couple stand on either side of a broken heart, with two wedding rings in the center. Text at the bottom reads 'Bankruptcy.Blog'. This image represents the financial and legal challenges of divorce, including potential impacts on debt, credit reports, and bankruptcy.

Bankruptcy

Alexander Hernandez 9 min read

How Bankruptcy Influences Divorce Settlements

Bankruptcy can complicate divorces, affecting debt responsibility and credit reports. Federal law trumps state law.