Miami Lawyers
-
The Accidental Landlord: How Renting Your House Forfeits Bankruptcy Protection
Learn how renting your home forfeits your homestead exemption in bankruptcy and why “accidental landlords” risk losing their property when filing Chapter 7 or Chapter 13 in 2026.
-
Gambling with a HELOC to Pay Record Credit Card Debt in 2026
Bankruptcy Attorney & Law Professor Hernandez analyzes why using a HELOC to pay off record-high credit card debt in 2026 is a risky “equity stripping” move compared to bankruptcy.
-
Mortgage Defaults Rising: An Escrow Shock Analysis of the 2026 Foreclosure Surge
Mortgage defaults are rising as Escrow Shock drives a 2026 foreclosure surge. Protect yourself with Chapter 13 and remove second mortgages.
-
Understanding the Bankruptcy Rescission Period with Reaffirmation Agreements
Buyer’s remorse? Prof. Hernandez explains how to cancel a reaffirmation agreement within the 60-day rescission period under 11 U.S.C. 524(c).
-
Reaffirmation Agreements: Why “Vulture Creditors” Want Your Signature
Are “vulture creditors” pressuring you to sign a reaffirmation agreement on furniture or electronics? Prof. Hernandez exposes their high-pressure tactics, the “silverware” bluff, and how to protect your bankruptcy fresh start from unnecessary personal liability.
-
Do I Have to Go to Court for a Reaffirmation Agreement?
Bankruptcy Attorney & Law Professor explains when a court appearance is required for a reaffirmation agreement.
-
The Bankruptcy Contradiction: Why Filing Can Raise Your Credit Score
Can filing for bankruptcy actually improve your credit? Prof. Hernandez explains the 2026 “Credit Reset” paradox, DTI benefits, and reaffirmation strategies.
-
The Zombie Store Card: Why Retail Closures are a Hidden Credit Score Landmine
Bankruptcy attorney and law professor explains how retail store closures in 2026 can trigger sudden credit score drops. Learn how “zombie” store cards raise utilization and hurt your FICO.
-
Why Your “Common Sense” is Killing Your Credit Score
Bankruptcy Attorney & Law Professor explains how to improve your credit score while protecting your cash instead of giving large deposits.
-
Official Form 108: Understanding the Statement of Intention
Prof. Hernandez explains Official Form 108. Learn the difference between surrendering, reaffirming, & redeeming assets in a Chapter 7 filing.
-
Redbox Shuts Down: Files for Bankruptcy
Redbox, part of Chicken Soup for the Soul, shuts down after filing for bankrutpcy.
-
Protecting Your Firearms in Bankruptcy
The Second Amendment protects gun ownership, but it doesn’t exempt firearms from bankruptcy.
-
Second Amendment Rights vs. Bankruptcy Law: Can You Keep Your Guns?
Can you keep your guns in bankruptcy? Prof. Hernandez explains 2nd Amendment rights vs. federal law and how to use wildcard exemptions to protect your collection.
-
Medical Bills- The Silent Threat to Your Finances
This podcast warns about shady medical billing leading to bankruptcy, surprise credit card charges, and financial chaos.
-
Avoid Bankruptcy Because of Hospital Billing Tactics
Medical debt can lead to bankruptcy due to aggressive billing practices, even with insurance coverage.
-
Protecting Your Bank Account When Sued: Vital Tips and Strategies
Don’t ignore that lawsuit! Protect your cash. Prevent creditors from freezing your bank account. Immediate action stops the freeze
-
Are You Judgment-Proof? Insights on Debtor Rights
The YouTube video discusses the lawsuit process, being judgment-proof, and strategies for protecting assets from creditors. It explains the lawsuit process, the concept of being judgment-proof, and issues related to protecting assets from creditors. The video provides valuable information and strategies for managing creditors. It is essential to understand this before encountering such situations.
-
YouTube Video-Bankruptcy After Car Accident: Options and Solutions
The video discusses bankruptcy and car accidents, clarifying misconceptions and emphasizing responsible driving.
-
Understanding Bankruptcy and Car Accident Lawsuits
This podcast discusses filing for bankruptcy after a car accident. Bankruptcy can help eliminate judgments.