Miami Lawyers
-
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.
-
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.
-
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.
-
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.
-
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.
-
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
-
How Retirement Contributions Affect a Bankruptcy Case
Bankruptcy Attorney & Law Professor explains how 401(k) & IRA retirement contributions affect your disposable income in bankruptcy.
-
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.
-
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.
-
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.
-
Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay
Don’t lose your car or wages! Learn the critical steps to enforce the Automatic Stay by filing the Notice or Suggestion of Bankruptcy and legally stop all creditor action now.
-
How to File a Proof of Claim in Any Consumer Bankruptcy Case
A professor’s essential guide on filing Official Form 410 (Proof of Claim). Learn how to secure your consumer deposit and claim priority status under 11 U.S.C. § 507.
-
Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026
Bankruptcy attorney & law professor explains the debt-to-bankruptcy lag & the record debt that guarantees a surge in bankruptcy filings.
-
Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing
Don’t risk your discharge! A bankruptcy law attorney and law professors expert details how credit card spending during Black Friday and the holidays can be challenged as fraud by Trustees.
-
American Signature Files for Bankruptcy, Your Order, and My Furniture Industry Forecast
As a bankruptcy professor, I explain why American Signature filed and your urgent rights. Learn how to file a claim, use credit card chargebacks, and protect your furniture deposit.
-
Buying a Car While in Chapter 13: The Critical Steps Every Debtor Must Know
Are you in Chapter 13 bankruptcy and need a car loan? Learn the critical steps to get court and Trustee approval. Avoid plan dismissal, high rates, and feasibility objections.
-
The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent
Professor-verified: Your Chapter 13 plan payment is not fixed. Learn why a raise or job loss could trigger a mandatory payment increase or even force a conversion to Chapter 7 bankruptcy.
-
Schedule I (Income) of the Bankruptcy Petition: Avoid Pitfalls That Force Chapter 13 or Dismissal
Bankruptcy Attorney & published professor explains the common errors on Schedule I (Income) and Schedule J (Expenses) Chapter 7 bankruptcy.
-
Free FCRA Sample Letters: Dispute Credit Report Errors Yourself (Attorney Approved)
Stop paying credit repair scams. Download free, attorney-drafted FCRA sample dispute letters you can use today to correct inaccurate items on your credit report and boost your score.
-
Credit Repair Organizations: Why I Call the Industry a Fraud
A bankruptcy attorney and law professor exposes credit repair fraud. Learn why these companies are ineffective and fail to fix your credit.