Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • Claire’s and Icing Store Closures in Florida: Key Details

    Claire’s is closing fifteen Florida locations due to bankruptcy and changing consumer habits.

  • Understanding Schedule D for Secured Creditor Claims

    Schedule D requires all secured debts in bankruptcy; listing does not mean asset surrender.

  • Understanding Stagflation Signs and Core Inflation: A Deep Dive

    Stagflation concerns rise as inflation and stagnant job growth create economic uncertainty and fear.

  • 4.4 Million Exposed in TransUnion Data Breach—Take Action!

    TransUnion’s data breach affects 4.4 million; consider freezing credit to safeguard personal information.

  • Claire’s Store Closures in Georgia: Complete List

    Claire’s is closing several Georgia locations due to bankruptcy and shifting retail trends.

  • Understanding Tariff Driven Inflation

    Lower interest rates signal economic struggle, worsened by tariffs, increasing costs of living significantly.

  • The Hidden Cost of Tariffs: How Trade Policy Fuels Debt and Bankruptcy

    Trump tariffs can raise costs significantly, affecting household expenses and increasing bankruptcies nationwide.

  • PSLF Under Threat: What Borrowers Need to Know

    A new Department of Education rule could eliminate PSLF due to their employer’s misconduct: “guilt by association.”

  • Why Foreclosures Filings Are Rising in Tourist-Haven States

    Foreclosure rates rise sharply in tourism-dependent states, reflecting economic strains and tourism decline.

  • Claire’s Bankruptcy Chapter 11: Tariffs and Store Closures

    Claire’s files for Chapter 11 bankruptcy again, facing debt, tariffs, and changing consumer behavior.

  • The 910-Day Rule: Explaining The Cramdown on Car Loans

    Can you reduce your car loan balance in Chapter 13? Learn how the 910-Day Rule and “hanging paragraph” affect your vehicle cramdown. Prof. Hernandez explains how to save on interest, the PMSI loophole, and why lenders prefer payments over repossession.

  • Cramdown vs. Lien Stripping: What’s the Difference in Chapter 13 Bankruptcy?

    Learn the key differences between a Chapter 13 cramdown and lien stripping. Find out how to reduce car payments or eliminate second mortgages in bankruptcy.

  • How to Reduce Your Car Loan Balance Using a Bankruptcy Cramdown

    Is your car loan underwater? Discover how the Chapter 13 cramdown process can “shave” your debt down to the vehicle’s actual value and lower your interest rate. — Prof. Hernandez

  • Robbing Your Future: The Hidden Risks of Using a 401(k) to Buy a House

    Should you use your retirement plan to buy a house in 2026? Prof. Hernandez breaks down the math behind the Home Savings Act and shares a personal lesson from the Great Recession on why your 401(k) is safer than home equity.

  • Record 401(k) Hardship Withdrawals are a Leading Economic Indicator for 2026

    Prof. Hernandez analyzes the record 6% surge in 401(k) hardship withdrawals reported by Fox Business. Discover why this “last resort” move is a leading indicator for the 2026 bankruptcy filing lag.

  • Discharging Your IRS Tax Debt With Bankruptcy: The 3-2-240 Rule for 2026

    Prof. Hernandez explains how to discharge tax debt in 2026 using the 3-2-240 rule. Learn how to navigate IRS priority claims and tax refunds on Bankruptcy.blog

  • Why Chapter 13 is the Ultimate IRS Tax Debt “Restructuring” Tool

    Stop the interest bleed in 2026. Prof. Hernandez explains how Chapter 13 bankruptcy freezes IRS penalties, utilizes the Till Rate for secured liens, and restructures tax debt more effectively than a standard installment agreement. Learn how to pay back priority tax at 0% interest and secure your fresh start.

  • Prof. Hernandez: Using Tax Installment Agreements to Qualify for Chapter 7

    Can’t pass the Means Test? Prof. Hernandez explains how IRS tax payments can legally reduce disposable income on Schedule J to help you qualify for Chapter 7.

  • Small Business Tariff Inflation and Chapter 7 Bankruptcy in 2026. The Quiet Crisis

    Is tariff inflation pushing your small business toward Chapter 7? Prof. Hernandez explains how to bypass the Means Test using the non-consumer debt loophole and navigate personal liability in the 2026 bankruptcy surge.