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.
-
Navigating Attorney Fees, Credit Card Usage, and Bankruptcy Trustee Scrutiny
Can you pay a bankruptcy lawyer with a credit card? Bankruptcy attorney & law professor explains attorney fees and payment plans.
-
Rising Student Loan Debt: Impact on Borrowers and Society
Student loan debt continues to surge, with over 2.4 million borrowers holding balances of $100,000-$200,000 in Q2 2024.
-
Is Avon Going Out of Business?
Cosmetics giant Avon files for Chapter 11 bankruptcy amid talcum powder lawsuits and over $1 billion debt.
-
Building Financial Stability Through Debt Reduction and Consistent Savings
Discover professional strategies for long‑term financial stability. Learn how to move beyond basic debt reduction to build a sustainable, secure financial future.
-
Chapter 13 Confirmation Hearings: Process, Objections, and Judicial Approval
Bankruptcy Attorney and Law Professor Prof. Hernandez explains the Chapter 13 confirmation hearing, the liquidation test, and how to handle trustee objections to secure your payment plan.
-
Divorce Debt: Loans vs. Bankruptcy | Prof. Hernandez
A law professor and divorce attorney breaks down the pros and cons of using a personal loan to finance your divorce case.
-
The Strategic Power of Chapter 13: Navigating the Auto Debt “Cramdown”
Chapter 13 bankruptcy helps catch up on car loan payments to prevent repossession and may reduce loan balance.
-
How to Stop Foreclosure: The Expert Guide to the Automatic Stay
Bankruptcy Attorney & Law Professor explains how to stop foreclosure and save your home. with the automatic stay.
-
Stopping Foreclosure: The Critical Steps When Filing for Bankruptcy Without a Lawyer (Pro Se)
Don’t lose your home! Learn the critical difference between Chapter 7 & 13 and the steps for Pro Se filers to stop a foreclosure sale by immediately filing the Suggestion of Bankruptcy.
-
Financial Distress and the Bankruptcy Option: A Case Study on Kevin Spacey
Kevin Spacey faces legal and financial struggles, including foreclosure and potential bankruptcy due to lawsuits.