Miami Lawyers
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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.
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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.
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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.
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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
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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.
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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
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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.
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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.
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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.
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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.
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Claire’s and Icing Store Closures in Florida: Key Details
Claire’s is closing fifteen Florida locations due to bankruptcy and changing consumer habits.
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Understanding Schedule D for Secured Creditor Claims
Schedule D requires all secured debts in bankruptcy; listing does not mean asset surrender.
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Understanding Stagflation Signs and Core Inflation: A Deep Dive
Stagflation concerns rise as inflation and stagnant job growth create economic uncertainty and fear.
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4.4 Million Exposed in TransUnion Data Breach—Take Action!
TransUnion’s data breach affects 4.4 million; consider freezing credit to safeguard personal information.
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Claire’s Store Closures in Georgia: Complete List
Claire’s is closing several Georgia locations due to bankruptcy and shifting retail trends.
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Understanding Tariff Driven Inflation
Lower interest rates signal economic struggle, worsened by tariffs, increasing costs of living significantly.
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The Hidden Cost of Tariffs: How Trade Policy Fuels Debt and Bankruptcy
Trump tariffs can raise costs significantly, affecting household expenses and increasing bankruptcies nationwide.
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PSLF Under Threat: What Borrowers Need to Know
A new Department of Education rule could eliminate PSLF due to their employer’s misconduct: “guilt by association.”
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Why Foreclosures Filings Are Rising in Tourist-Haven States
Foreclosure rates rise sharply in tourism-dependent states, reflecting economic strains and tourism decline.
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Claire’s Bankruptcy Chapter 11: Tariffs and Store Closures
Claire’s files for Chapter 11 bankruptcy again, facing debt, tariffs, and changing consumer behavior.