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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President Biden Announces Last Batch of Student Loan Forgiveness
Prof. Hernandez clarifies the real history of PSLF, the death of the SAVE plan, and critical new transition boundaries under the 2026 OBBBA framework.
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Filing Bankruptcy in Arkansas: Exemptions Explained
Learn how to protect your assets using Arkansas bankruptcy exemptions. Understand the difference between state and federal options, the homestead exemption, and wildcard rules for Chapter 7 and 13 cases.
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The Corporate Snowball Effect: Understanding the 2026 Business Bankruptcy Surge
The corporate & small business bankruptcy surge continues as retail failures continue to increase Chapter 7, Subchapter V, & Chapter 13 filings.
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The Legal and Financial Reality of Restructuring the Department of Education
If the Department of Education is eliminated, student loans will remain, with potential increased payments.
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Credit Report Errors with Student Loans and Data Breaches
Regularly checking your credit report is vital to avoid costly errors and identity theft.
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Understanding the Impact of the Federal Government Shutdowns
Federal government shutdowns continue to harm the economy, affecting employees and local businesses significantly.
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Understanding Bankruptcy Exemptions in Arizona: Protecting Your Assets
Bankruptcy Attorney & Law Professor explains the 2026 Arizona bankruptcy exemptions. Protect your home and car from creditors.
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How Health Insurance and Medical Bills Drives Bankruptcy Claims
The content discusses the connection between medical debt and bankruptcy, emphasizing healthcare issues in America.
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No Guarantees that the Trump Tariffs Will Lower Prices
Trump tariffs and rising costs threaten consumer finances, increasing debt and expenses significantly.
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Community Actions to Combat Student Loan Crisis
The author proposes a community service initiative to reduce student loan debt through pro bono work.