Monday, August 31, 2026
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  • The Rise of Aggressive Collection by the Treasury Department

    The Department of Education is officially initiating the student loan transfer to Treasury collections. As the SAVE plan ends, learn how the OBBBA and the new 30-year repayment terms impact your financial survival. Prof. Hernandez breaks down the Treasury’s “hired muscle” tactics.

  • The Foreclosure Surge. How Tenants Can Stay in the Property

    As foreclosures rise 20%, tenants face a dilemma: who gets the rent? Prof. Hernandez explains your legal rights and how to handle the assignment of rents.

  • Sinking in Car Debt? How the Chapter 13 Cramdown Rescues You From Long-Term Car Loans

    Bankruptcy Attorney & Law Professor Hernandez analyzes the 100-month car loan debt trap and how the Chapter 13 cramdown can reduce negative equity to fair market value.

  • The Forever Car Loan: Why Stretching Your Term is a Financial Trap

    Prof. Hernandez analyzes why 100-month car loans are a financial trap. Discover the “Double Sting” of reaffirmation agreements and how bankruptcy provides a clean exit

  • Personal Injury Settlements: Chapter 7 vs. Chapter 13 Bankruptcy

    Prof. Hernandez explains how personal injury settlements are treated in Chapter 7 liquidation vs. Chapter 13 reorganization, including the Liquidation Test.

  • How Personal Injury Settlements Move Through a Bankruptcy Case

    Learn how the process of a PI settlement moves through a bankruptcy case and why the Trustee oversees every step. Understand what the bankruptcy Trustee requires and how the process affects your claim

  • Protecting Your Recovery: Personal Injury Settlements and the Bankruptcy Estate

    Can you keep your personal injury settlement in bankruptcy? Prof. Hernandez analyzes 11 U.S.C. § 522(d)(11)(D), state exemptions, and strategic alternatives to filing.

  • The AI Economy and the Looming “Dot-Com” Reckoning

    Prof. Hernandez analyzes the AI profitability paradox, the “Dot-Com” reckoning, and why the death of the tax base threatens the future of the middle class.

  • Does Bankruptcy Stop Eviction? The Pre vs. Post-Judgment Rule

    Bankruptcy Attorney & Law Professor explains when bankruptcy stops eviction, how the pre‑ vs. post‑judgment rule works, and when landlords can still proceed.

  • The Tenant in the Middle: What Happens When Your Landlord Files Bankruptcy?

    If your landlord files for bankruptcy, your lease doesn’t just disappear. Prof. Hernandez explains “accidental landlords,” escrow shock, and how Section 365(h) protects tenant rights during a filing.

  • The 76% Spike in Business Bankruptcy Filings

    Prof. Hernandez analyzes the 76% January spike in corporate bankruptcy. Discover the “Consumer Effect” and why the 2026 Financial Reset is accelerating.

  • Dealing with the “Reaffirmation Ambush”: Creditor Tactics and the 11th-Hour Timing

    Prof. Hernandez exposes the “Reaffirmation Ambush”—when creditors wait until the last minute to send agreements. Learn how to handle 11th-hour tactics and avoid being blamed for lender delays.

  • Why Your Mortgage and Car Payments Are “Invisible” After Bankruptcy

    Payments missing from your credit report? Bankruptcy Attorney & published Law Professor Hernandez explains why mortgage and auto loans go unreported after bankruptcy and how to fix it.

  • Why Your Lawyer Won’t Sign Your Reaffirmation Agreement: The Part C Liability Trap

    Bankruptcy attorney and law professor explains why your attorney refuses to sign Part C of a reaffirmation agreement. Discover the “undue hardship” math and how to keep your car without the risk.

  • Understanding the Federal Homestead Wildcard Exemption in 2026

    Professor Alexander Hernandez explains the 2026 Federal Homestead Exemption ($31,575) and how the “unused” portion creates a $17,475 Wildcard to save your cash and car.

  • The 1,215 Day Rule versus the Federal Exemptions. Which Law Protects Your Home in 2026?

    Confused by the $214,000 cap and the $31,575 exemption? This head-to-head comparison explains which federal bankruptcy number protects your home equity in 2026.

  • Understanding the Federal Bankruptcy Homestead Exemption Limits

    What is the federal bankruptcy homestead exemption limits for 2026? Learn about the $31,575 & why it differs from the 1,215-day cap.

  • Understanding the Bankruptcy Homestead Exemption and the 1,215-Day Rule

    What is the 1,215-day rule? Learn how this 40-month clock caps homestead equity at $214,000 in 2026 and why it’s different from federal exemption limits.

  • The “Zombie Debt” Trap: The Statute of Limitations vs. Judgment Renewal

    Think your debt expired? A judgment can live for decades through renewals. Learn the difference between the SOL and “Zombie Debt” from Professor Hernandez.

  • Predatory Hospital Collection Tactics: A Silent Threat to Your Finances

    Stop predatory hospital collection tactics from draining your bank account. Learn why handing over your card at the ER is a trap leading to medical bankruptcy.