Miami Lawyers
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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.
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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.
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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.
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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).
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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.
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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.
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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.
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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.
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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.
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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.
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Kevin Spacey’s Fall from Grace: Foreclosure Looms
Kevin Spacey rose to fame with award-winning performances, but now faces financial struggles and legal battles.
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How to Choose Between Chapter 7 and Chapter 13
In this podcast, we explore the differences between Chapter 7 and Chapter 13 bankruptcies for struggling individuals.
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The Impact of COVID-19 on Divorce and Bankruptcy
This podcast discusses COVID-19 impact on divorces, bankruptcies, housing market, and divorce-related challenges and recommendations.
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Podcast on Tax Refunds and Bankruptcy
This podcast discusses the impact of tax refunds on bankruptcy cases, emphasizing state exemptions’ relevance.
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What to Do When Sued by a Creditor: Essential Tips
Facing a credit card lawsuit? Get informed on pre-lawsuit negotiations, lawsuit process, responding, mediation, and tips.
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How to File a Suggestion of Bankruptcy Effectively to Stop Creditors
Learn how to file the Suggestion of Bankruptcy in state court to stop wage garnishments, bank levies, and all creditor actions immediately after filing Chapter 7 or 13.
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Impact of Student Debt on Older Americans: A New Study
The podcast discusses Republican-led states opposing student loan forgiveness and the financial impact of student debt.
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Impact of Student Loan Debt on Older Americans
The student loan debt crisis impacts older adults, with over 2.2 million aged 55+ struggling financially. States’ opposition lacks merit.
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The Silver Tsunami of Student Loan Debt
Student loan debt is becoming a crisis for older Americans. Explore how 2026 policy changes, garnishments, and state incentives impact financial security
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Golf and Bankruptcy: Are Your Greens Fees a “Red Flag” to the Trustee?
Is your golf hobby a “red flag” for your bankruptcy trustee? Prof. Hernandez explains how greens fees and club memberships impact Chapter 7 and 13 filings.