Miami Lawyers
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Odds Are We Facing a 40% Trump Recession in 2025?
The content discusses potential economic instability due to tariffs and government actions, urging financial preparedness for a looming recession.
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Understanding Bankruptcy Costs: Fees vs. Expenses
Bankruptcy filing fees vary by chapter, with additional costs for attorney services and courses.
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The Real Victims of Target Boycotts Revealed
Target boycotts harm employees rather than addressing systemic issues; focus on policy change instead.
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Trump-Gaza AI Video: Disturbing As We Worry about Trumpflation
Trump’s AI-generated video sparks controversy, highlighting his focus on entertainment over pressing national issues.
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Why You Should Be Outraged by Medicaid Cuts
Medicaid cuts provoke outrage; Republicans take troubling first steps.
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The Chaos Economy: How Government Instability Increases Household Debt
Prof. Hernandez analyzes the “Chaos Economy.” Discover how DOGE firings, $1,700 tariff costs, and stagnant wages are driving a 67% surge in small business bankruptcies and an affordability crisis.
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Strategic Exit: Why You Might Voluntarily Dismiss Your Bankruptcy Case
Can walking away from your bankruptcy filing be a tactical win? Prof. Hernandez breaks down the strategic use of voluntary dismissal in Chapter 7 and 13 to protect assets and regain control of your financial future.
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The Hypocrisy of DOGE Checks: Analyzing the Right’s Reactions
The author critiques right-wing hypocrisy over expected DOGE checks and government funding issues.
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Why Boycotting Target Stores Misses the Point
Professor Alex discusses the complexities of boycotting Target, advocating for smarter activism.
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A Personal Reflection on Joann Fabrics and Its Legacy
Joann Fabrics is closing over 500 stores following its second Chapter 11 bankruptcy filing.