Monday, August 31, 2026
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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.

  • 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.

  • AI’s End Game: Financial Implications Beyond The Hype

    The author questions AI’s future, discussing economic implications and job security amidst rising automation concerns.

  • The Economic Impact of Erratic Leadership Affects Us All

    Prof. Hernandez analyzes the hidden “Chaos Tax” of running a country like a business. Discover how erratic leadership creates governance risk, devalues global alliances, and adds an estimated $3,000 in debt to the average household in 2026.

  • Understanding Evictions During Bankruptcy

    Understanding bankruptcy and eviction laws is essential. Here’s what you need to know.

  • Understanding the Georgia Bankruptcy Exemptions

    Georgia has specific bankruptcy exemptions, emphasizing residency rules and minimal homestead protection.

  • The 50% European Union Tariffs Are On Again, No Wait!

    Tariff fluctuations create economic uncertainty, leading to hesitation in spending and potential recession risks.

  • The Harvard-Trump War. Why You’re Wrong!

    Universities like Harvard and Columbia use funding for vital research, driving economic growth and innovation.

  • Understanding Florida’s Bankruptcy Exemptions

    Florida bankruptcy exemptions protect certain assets; Chapter 7 and 13 filings are significant.

  • The  Fraud Elon Musk and DOGE Discovered

    Elon Musk’s fraud claims reveal minimal findings, highlighting overestimations of his capabilities and misinformation.

  • Understanding the Chapter 7 Bankruptcy Petition: A Step-by-Step Guide

    This video series details bankruptcy petitions, focusing on critical filing accuracy and residency requirements.

  • Prof. Hernandez: The Nationwide Shutdown of Bahama Breeze

    Prof. Hernandez updates the Bahama Breeze shutdown: 14 stores closing permanently and 14 converting. See the full list of impacted locations and why the brand failed.