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  • Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay

    Don’t lose your car or wages! Learn the critical steps to enforce the Automatic Stay by filing the Notice or Suggestion of Bankruptcy and legally stop all creditor action now.

  • How to File a Proof of Claim in Any Consumer Bankruptcy Case

    A professor’s essential guide on filing Official Form 410 (Proof of Claim). Learn how to secure your consumer deposit and claim priority status under 11 U.S.C. § 507.

  • Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026

    Bankruptcy attorney & law professor explains the debt-to-bankruptcy lag & the record debt that guarantees a surge in bankruptcy filings.

  • Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing

    Don’t risk your discharge! A bankruptcy law attorney and law professors expert details how credit card spending during Black Friday and the holidays can be challenged as fraud by Trustees.

  • American Signature Files for Bankruptcy, Your Order, and My Furniture Industry Forecast

    As a bankruptcy professor, I explain why American Signature filed and your urgent rights. Learn how to file a claim, use credit card chargebacks, and protect your furniture deposit.

  • Buying a Car While in Chapter 13: The Critical Steps Every Debtor Must Know

    Are you in Chapter 13 bankruptcy and need a car loan? Learn the critical steps to get court and Trustee approval. Avoid plan dismissal, high rates, and feasibility objections.

  • The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent

    Professor-verified: Your Chapter 13 plan payment is not fixed. Learn why a raise or job loss could trigger a mandatory payment increase or even force a conversion to Chapter 7 bankruptcy.

  • Schedule I (Income) of the Bankruptcy Petition: Avoid Pitfalls That Force Chapter 13 or Dismissal

    Bankruptcy Attorney & published professor explains the common errors on Schedule I (Income) and Schedule J (Expenses) Chapter 7 bankruptcy.

  • Free FCRA Sample Letters: Dispute Credit Report Errors Yourself (Attorney Approved)

    Stop paying credit repair scams. Download free, attorney-drafted FCRA sample dispute letters you can use today to correct inaccurate items on your credit report and boost your score.

  • Credit Repair Organizations: Why I Call the Industry a Fraud

    A bankruptcy attorney and law professor exposes credit repair fraud. Learn why these companies are ineffective and fail to fix your credit.

  • 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.

  • 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.