Alexander Hernandez, Author at Bankruptcy.Blog

Cure mortgage arrears concept: A model house on a calendar next to an 'Urgent Past Due' notice. Bankruptcy.blog

Cure Mortgage Arrears: How to Force a Lender to Accept Your Payments

Stop foreclosure even if your lender refuses payment. Prof. Hernandez explains how to cure mortgage arrears using Chapter 13 and state court motions to compel.

Empty luxury shopping mall interior representing the 2026 retail structural reset and Saks Fifth Avenue missed payment bankruptcy analysis on Bankruptcy.blog

Insights & Analysis

Alexander Hernandez 7 min read

The 57-Store Shutdown of Off Fifth Avenue and Financial Reset of Saks Global

Prof. Hernandez analyzes the Saks Global bankruptcy: 57 Saks Off 5th stores closing and a total “Financial Reset.” View the full list of remaining stores and what this retail collapse means for the 2026 economy.

A graduation cap labeled Debt with a red Cancelled stamp, representing how to stop student loan garnishment through an adversary proceeding and government settlement as seen on Bankruptcy.blog.

Bankruptcy Insights & Analysis

Alexander Hernandez 5 min read

Suing the Government is Your Best Move Against Student Loan Garnishments

Stop federal student loan garnishment by leveraging the “settlement gap.” Learn why filing an adversary proceeding is the key to forcing a government settlement and discharging debt under the latest DOJ guidance.

Closed storefront with a 'Going Out of Business' sign, illustrating the record surge in 2025 small business bankruptcy filings under the Trump administration's tariff policies. Analysis by Bankruptcy.blog.

Insights & Analysis

Alexander Hernandez 5 min read

Mom and Pop Small Businesses Reach Record High in Bankruptcy Filings

Bankruptcy attorney & law professor reports on the record small business bankruptcies in 2025 caused by the impact of the Trump tariffs.

Bankruptcy

Alexander Hernandez 2 min read

The Motion for Relief from Stay: Check Your Local Bankruptcy Forms First

Filing for Relief from Stay? Before you draft a motion, check your local bankruptcy court forms. Using mandatory district templates is key to avoiding rejection.

Bankruptcy

Alexander Hernandez 5 min read

The Motion for Relief from Stay Versus The Automatic Stay

Received a Motion for Relief from Stay? A bankruptcy attorney and law professor explains how creditors try to lift the automatic stay.

Bankruptcy

Alexander Hernandez 4 min read

Bankruptcy Petition Preparers: A Compliance Checklist Under 11 U.S.C. §110

What are the legal requirements for a bankruptcy petition preparer? Professor Alex Hernandez breaks down 11 U.S.C. § 110, including Form 119, fee limits, and the ban on legal advice.

Bankruptcy

Alexander Hernandez 4 min read

The Hidden Risks of Bankruptcy Petition Preparers: Why “Cheap” Can Be Costly

Discover the risks of using a bankruptcy petition preparer. Professor Alex Hernandez explains why legal advice, accountability, and court advocacy make a lawyer essential for your fresh start.