Ultimate Guide to Chapter 7 and 13 Bankruptcy
By Alexander Hernandez, J.D., Professor, and Author of Consumer Bankruptcy Law (Routledge).
Updated Regularly. Last time on November 11, 2025.
Here you will find the archives of insightful posts focusing on Chapter 7 and Chapter 13 bankruptcy. Whether you’re considering filing for bankruptcy, navigating the process, or seeking expert advice, my archive serves as your go-to resource.
Here, you’ll find detailed explanations, tips, personal stories, and expert analysis to guide you through every step of your bankruptcy journey. Empower yourself with the knowledge you need to make informed financial decisions for your debt-free journey.
- What is the Liquidation Test? You Better Know It if You Are Filing for Bankruptcy.
- A Guide to California Bankruptcy Exemptions
- Short on Time to File for Bankruptcy? Consider a Bare-Bones Petition
- Why Consider Voluntary Dismissal in Bankruptcy?
- Understanding Colorado Bankruptcy Exemptions
- Why Would You Want to Dismiss Your Bankruptcy Petition Voluntarily?
- What Does it Cost to File for Bankruptcy?
- Dismissed with Prejudice and the Prejudice Period
- 11 U.S.C. §507 Priority Claims: The Professor’s Guide to Current Caps & Order
- Wages Garnished After Filing Bankruptcy? It’s an Illegal Automatic Stay Violation. Here’s Your 3-Step Legal Fix.
- The Two-Home Trap: Why Chapter 7 Isn’t an Option When You Want to Keep Both Houses
- Chapter 7 Bankruptcy: When to Surrender Your Car
- The 2% Gamble: Why Chapter 13 Bankruptcy is Not a DIY Project
- Car Accident Debt and Your Driver’s License: Can Bankruptcy Get You Back on the Road?
- Chapter 13 Bankruptcy and Driver’s License Reinstatement
- Government Shutdown & Your Bankruptcy Case: What You Need to Know Now
- Does the Government Shutdown Stop Your Chapter 7 Bankruptcy?
- How a Government Shutdown Can Help You Pass the Chapter 7 Means Test
- Bankruptcy Fraud: What Dr. Phil’s Chapter 7 Case Teaches Every Consumer
- Chapter 13 Bankruptcy & the Federal Government Shutdown
- Bankruptcy Alert: New Chapter 7 Means Test Income Limits Now in Effect (November 1, 2025 Update)
Additional bankruptcy articles can be found via this link.
Professor Hernandez is an attorney specializing in consumer finance and debt relief. He is the published author of Consumer Bankruptcy Law (Routledge Publishing) and teaches law and finance courses in both English and Spanish for an international university.
Colleges and universities can purchase my bankruptcy law textbook directly from Routledge Publishing. Paralegals and students who are buying single copies can do so via Amazon Books. To access my YouTube channel, click this link. You can also listen to my podcast on Spotify.
You can learn more about filing for bankruptcy and the bankruptcy petition via this link. Information on the bankruptcy court system, contact information for trustees, and your state’s exemptions can be found here. The federal bankruptcy exemptions are listed here. The latest version of the 341 Meeting of the Creditors can be found here.
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Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only.