Miami Lawyers
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The Household Debt Crisis Driving the 2026 Bankruptcy Wave
Learn how the household debt crisis & bankruptcy wave are unfolding in 2026 & what legal options protect families facing rising delinquencies.
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The Chapter 13 Marathon: Why You Need Permission Before Taking on New Debt
New debt in Chapter 13 is permanent and requires court approval. Learn how the “Motion to Incur Debt” protects your case, explained by a Bankruptcy Attorney & Law Professor.
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Bankruptcy’s Timing Mistake: Medical Bills & Debt You Can’t Erase
Post‑petition debt is permanent, making bankruptcy timing critical. Learn how the snapshot rule protects you, explained by a Bankruptcy Attorney & Law Professor.
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401(k) Loans in Chapter 13: The Step‑Up Trap That Can Break Your Plan
A 401(k) loan in Chapter 13 can trigger a step‑up trap that raises your plan payments. Bankruptcy Attorney & Law Professor explains.
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How Your 401(k) Withdrawal Can Sabotage Your Chapter 7 Means Test
Bankruptcy Attorney & Law Professor explains how a 401k withdrawal impacts the Chapter 7 bankruptcy Mean Test.
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The Hidden Small‑Business Bankruptcy Wave: From Chapter 11 to 7
Small‑business bankruptcies are rising as owners shift from Chapter 11 to Chapter 7. Learn how tariffs, rates, leases, and personal liability drive liquidation
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How Retirement Contributions Affect a Bankruptcy Case
Bankruptcy Attorney & Law Professor explains how 401(k) & IRA retirement contributions affect your disposable income in bankruptcy.
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401(k) Loans in Bankruptcy: Why They Are Listed as Secured Debt
As living costs rise in 2026, 401(k) loans are becoming more common, yet many don’t realize they are classified as secured debt. Prof. Hernandez explains why these loans aren’t dischargeable in bankruptcy and the severe tax penalties of defaulting.
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How Spirit Airlines’ Collapse Compares to the American Household
Rising costs are grounding families like Spirit Airlines. Learn how inflation is pushing household budgets to a breaking point.
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The Perfect Storm: From Rural America, to the Boardroom, to the Kitchen Table
Prof. Hernandez analyzes the “Perfect Storm”: Linking the Chapter 12 farm surge to corporate insolvency and the rise of household debt survival tactics.
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Foreclosure Rise Continues: Chapter 13 Bankruptcy Saves Homes
The ATTOM report shows rising foreclosures. See the critical difference: Chapter 7 buys time; only Chapter 13 saves your home by curing the debt.
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The Tariff Tax: The “Largest U.S. Tax Hike” in 30 Years as Bankruptcies Surge
Bankruptcy Attorney and Law Professor’s analysis: The tariffs are the ‘largest tax hike’ in 30 years. Learn why regressive tariffs are driving up consumer debt and Chapter 7 filings.
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The Chapter 13 Bankruptcy Hardship Discharge
Learn the strict legal requirements for the Chapter 13 bankruptcy hardship discharge (11 U.S.C. § 1328(b)). See what qualifies as unavoidable circumstances and permanent disability.
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The Tariff Hoax: The Farmer Bailouts to Avoid Bankruptcy
Expert analysis of why farm bailouts failed to prevent Chapter 12 filings. See how the tariff hoax and loss of foreign aid markets crippled farmers.
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The Post-Bankruptcy Credit Surge: Rebuild Your Credit
A bankruptcy discharge is a clean slate. Learn the post-bankruptcy credit surge strategy, including the Secured Credit Card and Credit-Builder Loan tactics.
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The Rule 2004 Examination: The Broadest Discovery Tool in Bankruptcy
The Rule 2004 Examination is the “fishing expedition” used by Trustees to investigate assets, transfers, and grounds for discharge denial. Understand its broad scope and limitations.
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Spotting the Critical Issues in Bankruptcy Schedule J (Expenses)
Avoid costly mistakes on Schedule J. Learn how Trustees scrutinize expenses, handle joint filings, and calculate disposable income to prevent Chapter 7 conversion or case dismissal.
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The Perfect Financial Storm is Here
Travel bans, AI job losses, and tariff policy are creating a ‘perfect storm.’ Learn how record household debt is driving U.S. foreclosures and bankruptcy filings among businesses and consumers.
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Navigating a Creditor Lawsuit: The Strategic Use of Filing an Answer Before Bankruptcy
Don’t default! Learn the strategic reason to file an Answer to a creditor lawsuit: buying essential time for saving or qualifying to file for bankruptcy.
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Advanced Bankruptcy Strategy: Using Chapter 13 to Save Your Home, Then Converting to Chapter 7
Learn how the Chapter 13 to Chapter 7 conversion strategy allows debtors to cure mortgage arrears, save their home from foreclosure, and discharge unsecured debt.