Miami Lawyers
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Navigating Schedule C Exemptions in Bankruptcy
Understanding Schedule C exemptions is vital for protecting personal property during bankruptcy filings.
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Stagflation and Record Highs in Student Loan Defaults
Expert analysis: Record student loan defaults (12.9%) and inflationary tariffs and labor shocks, making stagflation an inevitable reality.
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Mo Gawdat’s AI Predictions: Utopia or Dystopia?
Mo Gawdat’s predictions about AI’s societal impact are exaggerated and potentially harmful to innovation.
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BLS Chief Firing: Impacts on Economic Credibility
The firing of the BLS chief raises doubts about U.S. economic data credibility and future job reports.
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Liberation Day Will Cost You
Liberation Day introduces higher tariffs, leading to increased consumer prices and potential economic challenges.
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Understanding the Rise of Bankruptcy: 2025 Trends
Bankruptcy filings rose 11.5% in 2025, reversing years of decline and highlighting economic instability.
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JCPenney’s Massive Real Estate Comeback: 119 Stores Sold
JCPenney is selling 119 retail properties for $947 million, marking a significant recovery.
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The Truth Behind Trump’s Tariff Rebate Check
The Trump tariff rebate check is another empty promise, like the previous DOGE check distraction.
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Understanding the EU-U.S. Trade Deal: What’s Really Happening
The EU-U.S. trade deal is not finalized; it’s just a framework with unresolved issues.
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The New Normal: How Tariffs Will Hit Your Budget
Tariffs, economic chaos, and bad policies are negatively impacting consumers and industries, leading to financial strain.
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Why Chapter 12 Bankruptcy is Hitting the 2026 Kitchen Table
With Chapter 12 filings up 46%, the farm crisis is hitting home. Prof. Hernandez explains how the “Red Rural Recession” is driving 2026 grocery inflation and supply chain delays.
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When the National Debt Surpasses GDP, Households Feel It
Prof. Hernandez explains how the rising national debt drives up interest rates, squeezes household budgets, and raises the cost of living in 2026.
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Probate Court and Inheritances in Bankruptcy: The 180-Day Rule
Discover how the 180-day rule affects inheritances in bankruptcy. Prof. Hernandez explains the risks of “time travel” assets, the date of death trigger, and why disclaiming an inheritance is considered a fraudulent transfer. Learn how to protect your future assets through strategic timing.
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Protecting Divorce Assets When Filing for Bankruptcy
Learn why divorce settlements and home sale proceeds may not be exempt in bankruptcy. Prof. Hernandez explains the reinvestment rule and how to protect your assets.
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Why Being a Life Insurance Beneficiary is a Risk in Bankruptcy
Discover why being a life insurance beneficiary is a high-stakes gamble in bankruptcy. Learn how the 180-day rule under Section 541 can allow a Trustee to seize your payout and why timing your filing is critical to protecting your family’s legacy. Expert analysis by Prof. Hernandez.
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How Bankruptcy is Affected By Your Worker’s Comp Settlement
Prof. Hernandez explains how worker’s compensation impacts the bankruptcy means test. Learn how to manage the gap between the 6-month lookback and your real-world budget on Schedules I and J to avoid the “disposable income” trap.
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Why Your Exempt Worker’s Comp Settlement Is at Risk with Bankruptcy
Prof. Hernandez explains how commingling exempt worker’s comp or retirement funds with general cash can lead to frozen accounts and lost legal protections.
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Deed in Lieu of Foreclosure vs.Bankruptcy. Which Is the Better Exit?
Bankruptcy Attorney & Law Professor explains which choice is better between a Deed in Lieu of Foreclosure or Chapter 7 or13 Bankruptcy?
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Proactive Tenant Strategies When the Landlord is in Foreclosure
Protect your lease when a landlord faces foreclosure or bankruptcy. Prof. Hernandez explains how to use PACER, the impact of Section 365, and your rights under the PTFA 90-day rule.”
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The Parent PLUS Trap: Why You Are a Target For Creditors
Bankruptcy Attorney and Law Professor** Prof. Hernandez warns that Parent PLUS loans make parents an “easy target.” Learn how the Treasury uses wage garnishment and Social Security seizure to recover six-figure educational debt.