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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Racism and Trump’s Recent Executive Orders
The discussion addresses racism related to Trump’s policies, including deportations and preferential immigration for whites.
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How Federal Deregulation and Overhauls Impact Your Household Finances
Discover how federal deregulation, institutional budget cuts, and economic policy shifts impact household budgets, drive up debt, and increase bankruptcy risk.
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Your Personal Data with the Treasury Department is at Risk
Doogie Howser types now control the Treasury, raising concerns about experience and personal data security.
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Political Instability and the Financial Snowball Effect: A 2026 Analysis
How does political chaos drive financial instability? Prof. Hernandez analyzes the “snowball effect” of DOGE, TPS rescission, and tariffs on your personal debt.
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The Chaos Tax: Political Instability and Your Bottom Line
Prof. Hernandez analyzes the 2026 “Chaos Tax,” from 25% Canada tariffs to the Iran War’s impact on gas prices. Discover why political instability is driving a 44% housing inventory surplus and surging bankruptcies. Learn how to shield your finances today.
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Expert Analysis: How Trump’s Union and Tariff Actions Fuel Bankruptcy
Professor Alex discusses unions, personal finance, and political chaos affecting financial stability in Morning Coffee.
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The Chapter 7 Liquidation Test: Why Your Non-Exempt Assets Require Chapter 13 Plan
The liquidation test determines creditors’ payments under Chapter 13 compared to hypothetical Chapter 7 liquidation.
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How Politics Affects Your Pocket: What the “Colombia Crisis” Taught Us for 2026
Prof. Hernandez analyzes the 2026 “Expenses Snowball.” Learn how Section 122 tariffs and new OBBB student loan repayment plans are squeezing household budgets.
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Impact of a President Trump Economy on Your Finances
Prof. Hernandez analyzes the March 2026 financial “perfect storm”: 34.5% lumber tariffs, the Iran war fuel spike, and the “At-Will” employment trap. Learn why foreclosures are rising and how the DEI rollback creates new household debt.