Miami Lawyers
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Why Chapter 12 Bankruptcy is Hitting the 2026 Kitchen Table
With Chapter 12 filings up 46%, the farm crisis is hitting home. Prof. Hernandez explains how the “Red Rural Recession” is driving 2026 grocery inflation and supply chain delays.
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When the National Debt Surpasses GDP, Households Feel It
Prof. Hernandez explains how the rising national debt drives up interest rates, squeezes household budgets, and raises the cost of living in 2026.
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Probate Court and Inheritances in Bankruptcy: The 180-Day Rule
Discover how the 180-day rule affects inheritances in bankruptcy. Prof. Hernandez explains the risks of “time travel” assets, the date of death trigger, and why disclaiming an inheritance is considered a fraudulent transfer. Learn how to protect your future assets through strategic timing.
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Protecting Divorce Assets When Filing for Bankruptcy
Learn why divorce settlements and home sale proceeds may not be exempt in bankruptcy. Prof. Hernandez explains the reinvestment rule and how to protect your assets.
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Why Being a Life Insurance Beneficiary is a Risk in Bankruptcy
Discover why being a life insurance beneficiary is a high-stakes gamble in bankruptcy. Learn how the 180-day rule under Section 541 can allow a Trustee to seize your payout and why timing your filing is critical to protecting your family’s legacy. Expert analysis by Prof. Hernandez.
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How Bankruptcy is Affected By Your Worker’s Comp Settlement
Prof. Hernandez explains how worker’s compensation impacts the bankruptcy means test. Learn how to manage the gap between the 6-month lookback and your real-world budget on Schedules I and J to avoid the “disposable income” trap.
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Why Your Exempt Worker’s Comp Settlement Is at Risk with Bankruptcy
Prof. Hernandez explains how commingling exempt worker’s comp or retirement funds with general cash can lead to frozen accounts and lost legal protections.
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Deed in Lieu of Foreclosure vs.Bankruptcy. Which Is the Better Exit?
Bankruptcy Attorney & Law Professor explains which choice is better between a Deed in Lieu of Foreclosure or Chapter 7 or13 Bankruptcy?
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Proactive Tenant Strategies When the Landlord is in Foreclosure
Protect your lease when a landlord faces foreclosure or bankruptcy. Prof. Hernandez explains how to use PACER, the impact of Section 365, and your rights under the PTFA 90-day rule.”
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The Parent PLUS Trap: Why You Are a Target For Creditors
Bankruptcy Attorney and Law Professor** Prof. Hernandez warns that Parent PLUS loans make parents an “easy target.” Learn how the Treasury uses wage garnishment and Social Security seizure to recover six-figure educational debt.
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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.