Miami Lawyers
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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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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.
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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.
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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
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Why Filing Bankruptcy is Better Than Raiding Your 401(k)
With a record number of 401(k) hardship withdrawals, consider filing for bankruptcy instead of raiding your retirement account.
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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.
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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.
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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
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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.
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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.
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Understanding Delaware Bankruptcy Exemptions
Delaware bankruptcy exemptions protect assets like homes and vehicles while determining filing chapters.
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Liberation Day or “Tax the Consumer” Day? The True Cost of Political Doublespeak
Bankruptcy Attorney & Law Prof. Alex Hernandez analyzes how Liberation Day and the 2026 labor shortage drive a multi-thousand-dollar “Chaos Tax” on consumers.
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23andMe Bankruptcy: Safeguard Your Data Now
With 23andMe’s bankruptcy, protecting personal data and freezing credit is essential for safety.
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Impact of U.S. Tourism Decline on Local Economies
Tourism decline impacts U.S. economy; concerns over safety deter international travelers significantly.
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Why Eliminating the Department of Education Affects Us All
The video addresses misconceptions about the Department of Education’s funding and its potential economic impact.
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Tips for Getting Reimbursements Post-Hurricane
The author discusses hurricane-related financial challenges, insurance reimbursements, and protecting credit scores.
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How the 2025 Recession Could Affect Your Finances
The blog discusses preparing for a potential 2025 recession, reflecting on past personal financial experiences.
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Understanding Connecticut Bankruptcy Exemptions
Connecticut bankruptcy exemptions protect various assets, with specific residency requirements for filing.
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Forever 21 Bankruptcy: All Locations Likely to Close
Forever 21’s bankruptcy leads to more closures, signaling broader retail struggles amidst changing consumer behaviors.