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.

  • Beyond the Means Test: A 2026 Strategy for Bankruptcy & Creditor Lawsuits

    Passing the 2026 Means Test is only step one. Learn how Schedule I/J and judgment liens impact Chapter 7 eligibility and how to protect your equity from lawsuits.

  • The 2026 Retirement Limits: A Strategic Guide to Asset Protection and the Means Test

    Maximize 2026 401(k) and IRA limits to pass the Bankruptcy Means Test. Expert advice on protecting retirement assets from judgment liens and Trustees.

  • How to Stop a 2026 Foreclosure Auction and Protect Your Home Equity

    Stop a 2026 foreclosure auction and save home equity. Bankruptcy expert [Your Name] explains the 57% December surge and how to block judgment liens today.

  • Chapter 13 Bankruptcy Guide 2026 | Stop Foreclosure & Protect Assets

    Read the Chapter 13 bankruptcy guide 2026. Learn about the new Rule 3002.1 mortgage protections, debt limits, and repayment plan strategies from a published professor.

  • Your 2026 Guide to Chapter 7 Bankruptcy: Get a Fresh Start

    Navigate the 2026 Chapter 7 bankruptcy process with confidence. Learn about updated means test limits, asset exemptions, and tax rules from a published expert.

  • Navigating the Legal Maze: Essential Debtor Resources When Facing Lawsuits

    Feeling overwhelmed by a lawsuit? Discover essential debtor resources, from using clerk’s office templates to a professor’s “insider” tip on researching local cases.

  • The “Time-Barred” Trap: Debt Past the Statute of Limitations Won’t Prevent a Lawsuit

    Sued for “Zombie Debt”? Learn why the statute of limitations isn’t automatic and how to file a Motion to Dismiss to stop a time-barred lawsuit before it starts.

  • Discovery Objections in Debt Collection Lawsuits. Both Sides Play Defense

    Mastering discovery objections in debt collection lawsuits is vital for defense. Learn how to challenge overbroad requests and gain leverage before a trial or filing.

  • Debtor Defense Guide: Using Discovery to Build Your Case

    Master your debtor defense. A published expert explains how to use discovery and interrogatories to challenge creditors, buy time, and gain leverage for mediation.

  • Judgment Liens and Home Equity Erosion: The Silent Cost of Ignored Lawsuits

    Bankruptcy attorney and law professor explains how judgment liens trigger home equity erosion. Don’t lose the equity in your home.