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.
-
Car Loans and Bankruptcy: How to Keep Your Car
Filing for bankruptcy? Keep your car but understand car loans, equity, and reaffirmation agreements for cosigners.
-
How I Used a Personal Loan to Improve My Credit Score
Struggling with credit after foreclosure, I used personal loans to rebuild and improve my credit score.
-
Managing Medical Debt: Bankruptcy vs. Consolidation (Insights from a Law Professor)
Craig from Naples, Florida inquires about the best option for his wife: debt consolidation or bankruptcy. Considering her ongoing medical treatments and substantial medical bills, bankruptcy may be the more suitable choice. Bankruptcy eligibility, dischargeable debts, and individual circumstances should be evaluated with the assistance of a local attorney for personalized advice.
-
Does Filing for Bankruptcy Wipe Out My Mortgage
Bankruptcy and mortgages are complex. Chapter 13 lien stripping can reduce a second mortgage, but secured debt isn’t discharged. Get expert legal help.
-
Avoid the Pitfalls of Balance Transfers
Balance transfers can reduce debt faster and save money, but read the fine print carefully.
-
Business Bankruptcies Up 72%: Professor Explains the Crisis
Business and consumer bankruptcies are rising post-COVID, with significant increases in Chapter 11 filings.
-
Crucial Update: Navigating the SAVE Plan for Student Loan Forgiveness in Late 2025
New student loan forgiveness updates announced, including the Saving on a Valuable Education Plan.
-
Understanding Nondischargeable Debts in Bankruptcy
Bankruptcy doesn’t eliminate all debts; criminal fraud, back taxes, and domestic support obligations are non-dischargeable.
-
Understanding Chapter 7 Bankruptcy and Exemptions
Chapter 7 bankruptcy offers debt relief through exemptions and a means test, protecting assets from liquidation.
-
A Fresh Start: The Mission of Bankruptcy.blog
Learn the mission behind Bankruptcy.blog, a national attorney‑authored platform providing clear, accessible bankruptcy education.