Monday, August 31, 2026
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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.

  • Dismissed with Prejudice and the Prejudice Period

    The “prejudice period” limits bankruptcy refiling after dismissal, lasting 180 days for Chapter 7 and 13.

  • Why Abolishing the IRS is a Recipe for Economic Disaster

    Abolishing the IRS risks financial instability, contradicts historical lessons, and presents impractical implications for loans.

  • Burner Phones: U.S. Customs and Border Protection

    Burner phones recommended as protection against border phone checks.

  • Voting Against Self-Interest: The Economic Consequences

    Prof. Hernandez analyzes the 2026 economic slowdown and the “nickel and dimed” affordability crisis. Explore the data on $18T in debt, DOGE audits, and the $14.5T immigration surplus.

  • Trump Denies North Carolina FEMA

    Political and financial chaos is affecting everyone, necessitating individual preparation for future instability.

  • The Death Master File: Financial Disaster and Protecting Your Assets

    The Social Security Administration’s Death Master File is flagging living persons as dead. Expert advice on how to secure your bank accounts.

  • The Trump DOJ Adds to the Chaos in Politics: The Economic Ripple Effect

    Chaos in politics disrupts stability, affecting markets and businesses while harming economic growth overall.

  • Preparing for a Recession: Decisions Have Consequences

    Be prepared for potential recession impacts; prioritize financial caution and avoid impulsive decisions now.

  • Consider Freezing Your Credit Now Thanks to DOGE

    To protect against data breaches, I froze my credit, ensuring security and peace of mind.

  • What Hooters’ Bankruptcy Teaches Consumers About Lease Rejection

    Bankruptcy Attorney & Law Professor Hernandez explains how Hooters’ lease rejection strategy under Section 365 can help debtors surrender cars and apartments.