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  • 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.

  • How the 2026 Tariffs Affect Chapter 13 Bankruptcy Plans

    Discover why 2026 tariff inflation is causing a spike in Chapter 13 plan failures. Prof. Hernandez analyzes the friction between static court budgets and rising costs.

  • Tariff Inflation and the Chapter 7 Bankruptcy Means Test Gap

    Analyze how 2026 tariff inflation is breaking the Bankruptcy Means Test. Learn why the IRS data lag creates a “Paper Surplus” that blocks Chapter 7 relief.

  • Using Your Tax Refund to Hire a Bankruptcy Attorney: A Strategic Guide

    Using your tax refund for bankruptcy attorney fees is a strategic “spend down.” Prof. Hernandez explains how this protects your refund and secures your filing.

  • Chapter 13 Bankruptcy, Tax Refunds, and Funding the Plan

    Learn how to use your tax refund as a strategic asset in Chapter 13. Prof. Hernandez explains how lump-sum refunds can lower monthly payments and prove plan feasibility.

  • Chapter 7 Bankruptcy Timing: Is Your Tax Refund Safe in 2026?

    Filing Chapter 7 in 2026? Learn how to protect your tax refund using wildcard exemptions. Expert insights on the Child Tax Credit (CTC) vs. EIC and filing timing.

  • Strategic Dismissal: Plan B When Chapter 13 Bankruptcy Conversion Fails

    Strategic Dismissal: Negotiating with Creditors Outside of Bankruptcy with Prof. Hernandez. Explore how to pivot from a failed Chapter 13 to private settlements, leveraging lump-sum payments while avoiding the pitfalls of dismissal with prejudice.

  • The Chapter 13 Conversion: Motions, Objections, and the Liquidation Test

    The conversion from Chapter 13 to Chapter 7 isn’t automatic. Prof. Hernandez explores the Motion to Convert, common Trustee objections, and how to pass the mandatory liquidation test.

  • A Chapter 13 Cure and Conversion Strategy for Homeowners

    Explore the Chapter 13 cure and conversion strategy with Prof. Hernandez. Learn how this tactical pivot helps homeowners save their property and manage debt.

  • The 2026 Consumer Bankruptcy Surge: Navigating the Financial Reset

    With January layoffs at 2009 levels and 564,613 consumer filings, 2026 is a turning point. Prof. Hernandez (Routledge author) explains your path to solvency.

  • AI’s End Game: Financial Implications Beyond The Hype

    The author questions AI’s future, discussing economic implications and job security amidst rising automation concerns.

  • The Economic Impact of Erratic Leadership Affects Us All

    Prof. Hernandez analyzes the hidden “Chaos Tax” of running a country like a business. Discover how erratic leadership creates governance risk, devalues global alliances, and adds an estimated $3,000 in debt to the average household in 2026.

  • Understanding Evictions During Bankruptcy

    Understanding bankruptcy and eviction laws is essential. Here’s what you need to know.

  • Understanding the Georgia Bankruptcy Exemptions

    Georgia has specific bankruptcy exemptions, emphasizing residency rules and minimal homestead protection.

  • The 50% European Union Tariffs Are On Again, No Wait!

    Tariff fluctuations create economic uncertainty, leading to hesitation in spending and potential recession risks.

  • The Harvard-Trump War. Why You’re Wrong!

    Universities like Harvard and Columbia use funding for vital research, driving economic growth and innovation.

  • Understanding Florida’s Bankruptcy Exemptions

    Florida bankruptcy exemptions protect certain assets; Chapter 7 and 13 filings are significant.

  • The  Fraud Elon Musk and DOGE Discovered

    Elon Musk’s fraud claims reveal minimal findings, highlighting overestimations of his capabilities and misinformation.

  • Understanding the Chapter 7 Bankruptcy Petition: A Step-by-Step Guide

    This video series details bankruptcy petitions, focusing on critical filing accuracy and residency requirements.

  • Prof. Hernandez: The Nationwide Shutdown of Bahama Breeze

    Prof. Hernandez updates the Bahama Breeze shutdown: 14 stores closing permanently and 14 converting. See the full list of impacted locations and why the brand failed.