Miami Lawyers
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11 U.S.C. §507 Priority Claims: The Professor’s Guide to Current Caps & Order
Section 507 of the Bankruptcy Code outlines the priority of debt repayment in bankruptcy cases.
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Furlough Protection for Spirit Airlines Workers: Essential Steps
Spirit Airlines employees may claim priority wages up to $17,150 for unpaid wages pre-bankruptcy.
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Navigating Job Hunting in the Age of AI
AI in job hunting complicates applications, often overlooking qualified candidates, impacting the job market significantly.
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The Domino Effect: Why 2026 is the Year of the ‘Job Hugger’
Prof. Hernandez explains “Job Hugging” and why the 76% corporate bankruptcy spike and student loan debt are creating a defensive 2026 labor market.
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PCH, Damon Dash, & Florida Foreclosures: Weathering the Next Financial Storm
Bankruptcy filings demonstrate economic challenges, consumer vulnerabilities, and the impact of policy changes.
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Understanding the Financial Fallout from Lehman Brothers
The Lehman Brothers bankruptcy in 2008 reshaped financial attitudes and caused widespread economic repercussions.
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The Trump Tariffs Are Illegal, But For How long?
An appellate court deemed many Trump tariffs illegal, highlighting broader economic turmoil affecting consumers nationwide.
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Tariff Effects: Financial Decisions We Face
Tariffs increase consumer prices, forcing difficult financial decisions for families amid economic strain.
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Bankruptcy Schedule E/F Explained: Listing Unsecured Debt
Schedule E/F in bankruptcy lists unsecured debts; avoid common mistakes for accurate filing.
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Recession Risks: Which States Are Struggling the Most?
States face financial distress amid recession risks, with Texas leading in economic challenges.
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The Accidental Landlord: How Renting Your House Forfeits Bankruptcy Protection
Learn how renting your home forfeits your homestead exemption in bankruptcy and why “accidental landlords” risk losing their property when filing Chapter 7 or Chapter 13 in 2026.
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Gambling with a HELOC to Pay Record Credit Card Debt in 2026
Bankruptcy Attorney & Law Professor Hernandez analyzes why using a HELOC to pay off record-high credit card debt in 2026 is a risky “equity stripping” move compared to bankruptcy.
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Mortgage Defaults Rising: An Escrow Shock Analysis of the 2026 Foreclosure Surge
Mortgage defaults are rising as Escrow Shock drives a 2026 foreclosure surge. Protect yourself with Chapter 13 and remove second mortgages.
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Understanding the Bankruptcy Rescission Period with Reaffirmation Agreements
Buyer’s remorse? Prof. Hernandez explains how to cancel a reaffirmation agreement within the 60-day rescission period under 11 U.S.C. 524(c).
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Reaffirmation Agreements: Why “Vulture Creditors” Want Your Signature
Are “vulture creditors” pressuring you to sign a reaffirmation agreement on furniture or electronics? Prof. Hernandez exposes their high-pressure tactics, the “silverware” bluff, and how to protect your bankruptcy fresh start from unnecessary personal liability.
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Do I Have to Go to Court for a Reaffirmation Agreement?
Bankruptcy Attorney & Law Professor explains when a court appearance is required for a reaffirmation agreement.
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The Bankruptcy Contradiction: Why Filing Can Raise Your Credit Score
Can filing for bankruptcy actually improve your credit? Prof. Hernandez explains the 2026 “Credit Reset” paradox, DTI benefits, and reaffirmation strategies.
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The Zombie Store Card: Why Retail Closures are a Hidden Credit Score Landmine
Bankruptcy attorney and law professor explains how retail store closures in 2026 can trigger sudden credit score drops. Learn how “zombie” store cards raise utilization and hurt your FICO.
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Why Your “Common Sense” is Killing Your Credit Score
Bankruptcy Attorney & Law Professor explains how to improve your credit score while protecting your cash instead of giving large deposits.
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Official Form 108: Understanding the Statement of Intention
Prof. Hernandez explains Official Form 108. Learn the difference between surrendering, reaffirming, & redeeming assets in a Chapter 7 filing.