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Bankruptcy.Blog

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Miami Lawyers

  • The 910-Day Rule: Explaining The Cramdown on Car Loans

    Can you reduce your car loan balance in Chapter 13? Learn how the 910-Day Rule and “hanging paragraph” affect your vehicle cramdown. Prof. Hernandez explains how to save on interest, the PMSI loophole, and why lenders prefer payments over repossession.

  • Cramdown vs. Lien Stripping: What’s the Difference in Chapter 13 Bankruptcy?

    Learn the key differences between a Chapter 13 cramdown and lien stripping. Find out how to reduce car payments or eliminate second mortgages in bankruptcy.

  • How to Reduce Your Car Loan Balance Using a Bankruptcy Cramdown

    Is your car loan underwater? Discover how the Chapter 13 cramdown process can “shave” your debt down to the vehicle’s actual value and lower your interest rate. — Prof. Hernandez

  • Robbing Your Future: The Hidden Risks of Using a 401(k) to Buy a House

    Should you use your retirement plan to buy a house in 2026? Prof. Hernandez breaks down the math behind the Home Savings Act and shares a personal lesson from the Great Recession on why your 401(k) is safer than home equity.

  • Record 401(k) Hardship Withdrawals are a Leading Economic Indicator for 2026

    Prof. Hernandez analyzes the record 6% surge in 401(k) hardship withdrawals reported by Fox Business. Discover why this “last resort” move is a leading indicator for the 2026 bankruptcy filing lag.

  • Discharging Your IRS Tax Debt With Bankruptcy: The 3-2-240 Rule for 2026

    Prof. Hernandez explains how to discharge tax debt in 2026 using the 3-2-240 rule. Learn how to navigate IRS priority claims and tax refunds on Bankruptcy.blog

  • Why Chapter 13 is the Ultimate IRS Tax Debt “Restructuring” Tool

    Stop the interest bleed in 2026. Prof. Hernandez explains how Chapter 13 bankruptcy freezes IRS penalties, utilizes the Till Rate for secured liens, and restructures tax debt more effectively than a standard installment agreement. Learn how to pay back priority tax at 0% interest and secure your fresh start.

  • Prof. Hernandez: Using Tax Installment Agreements to Qualify for Chapter 7

    Can’t pass the Means Test? Prof. Hernandez explains how IRS tax payments can legally reduce disposable income on Schedule J to help you qualify for Chapter 7.

  • Small Business Tariff Inflation and Chapter 7 Bankruptcy in 2026. The Quiet Crisis

    Is tariff inflation pushing your small business toward Chapter 7? Prof. Hernandez explains how to bypass the Means Test using the non-consumer debt loophole and navigate personal liability in the 2026 bankruptcy surge.

  • Preparing for the Economic Storm Heading Our Way

    Economic turmoil looms with increasing debt, declining industries, and fear-driven policies affecting communities nationwide.

  • Economic Pulse: Tariff Losses for Small and Large Businesses

    Economic struggles intensify as GOP cuts impact rural grocers, rising energy costs, and tariff burdens.

  • Impact of the Big Beautiful Bill on Electricity Costs

    The Big Beautiful Bill cuts renewable energy subsidies, increasing future electricity costs for households.

  • Essential Tips for Listing Assets on Bankruptcy Schedule 106A/B

    Bankruptcy Schedule 106A/B requires listing all assets, understanding exemptions, and accurate valuations.

  • U.S. Economic Pulse: July 2025 Insights

    U.S. economy faces tariffs impacting inflation amid rising car loan costs and post-hurricane challenges.

  • What Failing Industries Reveal About the Economy and American Households

    Prof. Hernandez analyzes how 2026 tariffs and inflation fuel a consumer pullback, driving a 13-month surge in U.S. foreclosures and bankruptcy filings.

  • Tariff-Induced Inflation: The Ladder to Bankruptcy

    Tariffs, inflation, fuel costs, & global conflicts are driving up everyday expenses, increasing bankruptcies & foreclosures across the U.S.

  • Official Bankruptcy Form 106: Summary of Assets

    Form 106 summarizes assets and liabilities, ensuring accuracy in Chapter 7 bankruptcy petitions to prevent complications.

  • How Congress Affects Your Wallet: CFPB Cuts Explained

    Congress significantly reduced the CFPB’s budget, endangering consumer protections and increasing financial risks.

  • The Big Beautiful Bill: What Comes Next?

    The Big Beautiful Bill awaits Trump’s signature, promising significant savings for the wealthy and losses for low-income households.