Miami Lawyers
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Introduction to Chapter 13: The Wage Earner’s Plan
Clear, authoritative summary of Chapter 13 bankruptcy by Prof. Hernandez, explaining arrearage cures, plan feasibility, disposable income rules, and why many plans fail.
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Why Mortgage Delinquencies Signal Household Financial Collapse
Mortgage delinquencies are rising. Learn the early warning signs, why households default, and the steps homeowners should take before missing a mortgage payment.
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Credit Report Impact on Co‑Debtors When Someone Else Files Bankruptcy
A debtor’s bankruptcy can severely damage a co‑debtor’s credit report. Learn how misreporting happens and how co‑debtors can dispute inaccuracies.
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The 70% Default Trap. Why Consumers Lose Debt Lawsuits Before They Even Begin
Learn why debt lawsuits result in default judgments, and discover how fear, missed responses, and unlawful tactics lead to automatic losses.
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A Guide to Understanding Kansas Bankruptcy Exemptions
Clear overview of Kansas bankruptcy exemptions for Chapter 7 and Chapter 13, including residency rules, homestead limits, and protected assets.
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Short Sale or Bankruptcy? Evaluating Your Strategic Exit Options
Considering a short sale? Learn the hidden financial and tax risks and why bankruptcy may offer a more strategic, protective path forward.
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A Guide to Understanding Iowa Bankruptcy Exemptions & Protecting Your Assets
Iowa bankruptcy exemptions explained. Learn how to protect your assets, how Iowa’s exemptions work, & when Chapter 13 protects non‑exempt assets.
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Schedule I and J: The Reality of Monthly Cash Flow
Chapter 7 eligibility requires more than passing the means test. See how Schedules I and J reveal disposable income and shape your bankruptcy outcome.
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Are You Underwater? How America’s Debt Crisis Increases Personal Bankruptcies
National debt is surging, raising interest costs and pushing households toward bankruptcy. Learn how federal deficits increase personal financial risk.
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The Rise in Foreclosures: Why Acting Early Saves Your Home and Your Money
Foreclosures are on the rise in 2026. Discover how acting early saves your home and your money by avoiding the hidden, escalating costs of legal delay.
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Infowars Bankruptcy: The Auction Conspiracy Explained
Infowars’ bankruptcy auction involves conspiracy theories and controversial bids, with The Onion likely winning.
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The Dangers of Zombie Mortgages: Are You at Risk?
Zombie mortgages re-emerge, causing financial distress due to dormant second mortgages.
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How to Be the Ideal Bankruptcy Client: A Professor’s Guide to a Smooth Discharge
Prof. Hernandez explains what bankruptcy lawyers look for in a client. Learn how honesty and clear communication lead to a successful filing. Read more.
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Using PACER for Bankruptcy Case Updates
PACER enables efficient searching of federal case information, including bankruptcy filing status, online.
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Can Bankruptcy Wipe Out a Defamation Judgment? The Rudy Giuliani Case
Why was Rudy Giuliani’s bankruptcy dismissed, and how did he reach a settlement? Prof. Hernandez explains non-dischargeable debt and the reality of frozen bank accounts in 2026.
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Want to Buy Alex Jones’s Infowars?
Alex Jones faces bankruptcy after losing a defamation lawsuit related to Sandy Hook shooting claims.
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Tools of the Trade: Protect Bankruptcy Assets
Nate is concerned about business protections during potential bankruptcy and tools of the trade exemptions.
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The “Act of God” Clause in the Wake of Natural Disasters
Hurricane damage can disrupt your contracts. Understand your legal rights, how Act of God clauses work, and what protections you may have after a storm.
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The Empty Threat: Racking Up Divorce Debt and Filing for Bankruptcy
Bankruptcy Attorney & Law Professor Alexander Hernandez examines the federal and state laws governing divorce debt, including the dischargeability of post-separation credit card spending and the dissipation of marital assets.
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IRS Announces 2025 IRA and 401(k) Contribution Limits
IRS sets 2025 contribution limits for IRAs and 401(k)s; focus on maximizing savings.