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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.

  • Chaos with Mass IRS Firings

    Amid IRS firings, chaos threatens federal employment, tax refunds, and economic stability under Trump.

  • Republicans Want to Increase Overdraft Fees

    Imagine for a moment you have been elected as a member of the House or the Senate, whether in your state or Congress. What would you focus on with this newfound ability to make changes in everybody’s lives? What good would you do with the power you now hold as a member of Congress? Would…

  • Understanding Colorado Bankruptcy Exemptions

    Bankruptcy exemptions in Colorado vary based on residency; protect assets with specific exemption amounts.

  • Economic Fears: Is a Trump Recession Inevitable?

    Concerns grow over potential economic instability and recession under Trump’s administration amid significant policy changes.

  • How Can Mass Resignations Shift Power in Government?

    The podcast explores potential mass resignations in federal departments as a protest against government actions.

  • How Reciprocal Tariffs Affect Your Finances

    A global trade war begins with Trump’s reciprocal tariffs, impacting financial stability and preparation.

  • Filing a Bare-Bones Bankruptcy Petition Quickly

    Emergency bankruptcy petitions offer a quick, temporary solution, requiring minimal information but necessitating follow-up.

  • How RFK’s Agenda Could Affect Your Wallet

    Chaos in healthcare and politics may worsen personal finances; upcoming bankruptcies are predicted.

  • Navigating Total Loss Claims After a Catastrophe

    Prof. Hernandez explains the 70% total loss rule and how major repair history can strip 95% of a vehicle’s value, leading to involuntary household debt.

  • How the Courts Can Prevent a Constitutional Crisis

    The courts have the power to stop executive overreach. A professor of law details how judges must use contempt to hold lawyers accountable.