Monday, August 31, 2026
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Bankruptcy.Blog

Your #1 Bankruptcy Resource

Miami Lawyers

  • The 76% Spike in Business Bankruptcy Filings

    Prof. Hernandez analyzes the 76% January spike in corporate bankruptcy. Discover the “Consumer Effect” and why the 2026 Financial Reset is accelerating.

  • Dealing with the “Reaffirmation Ambush”: Creditor Tactics and the 11th-Hour Timing

    Prof. Hernandez exposes the “Reaffirmation Ambush”—when creditors wait until the last minute to send agreements. Learn how to handle 11th-hour tactics and avoid being blamed for lender delays.

  • Why Your Mortgage and Car Payments Are “Invisible” After Bankruptcy

    Payments missing from your credit report? Bankruptcy Attorney & published Law Professor Hernandez explains why mortgage and auto loans go unreported after bankruptcy and how to fix it.

  • Why Your Lawyer Won’t Sign Your Reaffirmation Agreement: The Part C Liability Trap

    Bankruptcy attorney and law professor explains why your attorney refuses to sign Part C of a reaffirmation agreement. Discover the “undue hardship” math and how to keep your car without the risk.

  • Understanding the Federal Homestead Wildcard Exemption in 2026

    Professor Alexander Hernandez explains the 2026 Federal Homestead Exemption ($31,575) and how the “unused” portion creates a $17,475 Wildcard to save your cash and car.

  • The 1,215 Day Rule versus the Federal Exemptions. Which Law Protects Your Home in 2026?

    Confused by the $214,000 cap and the $31,575 exemption? This head-to-head comparison explains which federal bankruptcy number protects your home equity in 2026.

  • Understanding the Federal Bankruptcy Homestead Exemption Limits

    What is the federal bankruptcy homestead exemption limits for 2026? Learn about the $31,575 & why it differs from the 1,215-day cap.

  • Understanding the Bankruptcy Homestead Exemption and the 1,215-Day Rule

    What is the 1,215-day rule? Learn how this 40-month clock caps homestead equity at $214,000 in 2026 and why it’s different from federal exemption limits.

  • The “Zombie Debt” Trap: The Statute of Limitations vs. Judgment Renewal

    Think your debt expired? A judgment can live for decades through renewals. Learn the difference between the SOL and “Zombie Debt” from Professor Hernandez.

  • Predatory Hospital Collection Tactics: A Silent Threat to Your Finances

    Stop predatory hospital collection tactics from draining your bank account. Learn why handing over your card at the ER is a trap leading to medical bankruptcy.

  • North Dakota Bankruptcy Means Test Figures for 2026

    North Dakota’s 2026 bankruptcy means test figures and how eligibility for Chapter 7 or Chapter 13 is determined.

  • Idaho Bankruptcy Means Test: Updated Figures and Forms

    Learn Idaho’s bankruptcy Means Test income limits, allowable expense deductions, and how eligibility is determined for Chapter 7 or Chapter 13 relief.

  • The New York Bankruptcy Means Test: Figures and Forms (2026)

    Learn New York’s bankruptcy means test income limits, allowable deductions, & determine eligibility for Chapter 7 or Chapter 13 relief.

  • North Carolina Bankruptcy Means Test: Figures and Forms

    North Carolina’s 2026 bankruptcy means test figures and how eligibility for Chapter 7 or Chapter 13 is determined.

  • Idaho’s Unique Bankruptcy Homestead Exemption

    Idaho’s homestead exemption protects up to $175,000 in home equity in bankruptcy. Learn the rules, limits, and how Idaho’s “intent to occupy” requirement works.

  • Client Confidentiality and the Threat of Technology

    Learn how paralegals can protect client confidentiality in bankruptcy practice. Follow proven intake, verification, and communication protocols to avoid liability.

  • Handling Difficult Bankruptcy Clients: Office Protocols

    Practical guidance for paralegals on handling difficult bankruptcy clients, setting boundaries, documenting issues, and following office protocols to protect the firm.

  • When Bankruptcy Meets a DUI: Discharging Debt vs. Restoring a Driver’s License

    Bankruptcy may reinstate a suspended driver’s license, but it won’t eliminate DUI debts or satisfy DUI reinstatement requirements.

  • Chapter 13 Confirmation Hearings: What to Expect and Why They Are Delayed

    Learn why Chapter 13 confirmation hearings are often continued, what causes delays, and how trustees and creditors review your plan before approval.

  • Understanding Bankruptcy Judges and the Federal Court Structure

    Learn how bankruptcy judges differ from Article III judges with fixed 14-year terms, circuit court appointments, & exclusive federal jurisdiction.