Miami Lawyers
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Understanding the Chapters 7, 11, and 13 Bankruptcy Surge in 2026
Prof. Hernandez breaks down the surge in Chapter 7, 11, and 13 bankruptcy filings. See the 2025 year-end data and what it means for the 2026 economy.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Chaos with Mass IRS Firings
Amid IRS firings, chaos threatens federal employment, tax refunds, and economic stability under Trump.
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Republicans Want to Increase Overdraft Fees
Imagine for a moment you have been elected as a member of the House or the Senate, whether in your state or Congress. What would you focus on with this newfound ability to make changes in everybody’s lives? What good would you do with the power you now hold as a member of Congress? Would…
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Understanding Colorado Bankruptcy Exemptions
Bankruptcy exemptions in Colorado vary based on residency; protect assets with specific exemption amounts.
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Economic Fears: Is a Trump Recession Inevitable?
Concerns grow over potential economic instability and recession under Trump’s administration amid significant policy changes.
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How Can Mass Resignations Shift Power in Government?
The podcast explores potential mass resignations in federal departments as a protest against government actions.
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How Reciprocal Tariffs Affect Your Finances
A global trade war begins with Trump’s reciprocal tariffs, impacting financial stability and preparation.
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How RFK’s Agenda Could Affect Your Wallet
Chaos in healthcare and politics may worsen personal finances; upcoming bankruptcies are predicted.
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Navigating Total Loss Claims After a Catastrophe
Prof. Hernandez explains the 70% total loss rule and how major repair history can strip 95% of a vehicle’s value, leading to involuntary household debt.
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How the Courts Can Prevent a Constitutional Crisis
The courts have the power to stop executive overreach. A professor of law details how judges must use contempt to hold lawyers accountable.