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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Navigating Schedule C Exemptions in Bankruptcy
Understanding Schedule C exemptions is vital for protecting personal property during bankruptcy filings.
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Stagflation and Record Highs in Student Loan Defaults
Expert analysis: Record student loan defaults (12.9%) and inflationary tariffs and labor shocks, making stagflation an inevitable reality.
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Mo Gawdat’s AI Predictions: Utopia or Dystopia?
Mo Gawdat’s predictions about AI’s societal impact are exaggerated and potentially harmful to innovation.
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BLS Chief Firing: Impacts on Economic Credibility
The firing of the BLS chief raises doubts about U.S. economic data credibility and future job reports.
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Liberation Day Will Cost You
Liberation Day introduces higher tariffs, leading to increased consumer prices and potential economic challenges.
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Understanding the Rise of Bankruptcy: 2025 Trends
Bankruptcy filings rose 11.5% in 2025, reversing years of decline and highlighting economic instability.
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JCPenney’s Massive Real Estate Comeback: 119 Stores Sold
JCPenney is selling 119 retail properties for $947 million, marking a significant recovery.
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The Truth Behind Trump’s Tariff Rebate Check
The Trump tariff rebate check is another empty promise, like the previous DOGE check distraction.
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Understanding the EU-U.S. Trade Deal: What’s Really Happening
The EU-U.S. trade deal is not finalized; it’s just a framework with unresolved issues.
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The New Normal: How Tariffs Will Hit Your Budget
Tariffs, economic chaos, and bad policies are negatively impacting consumers and industries, leading to financial strain.