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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Reaffirmation Agreements: The Silent Way Creditors Hurt Your Credit After a Chapter 7 Discharge
Reaffirmation agreements in bankruptcy affect credit reporting of secured debts, impacting debtors’ credit scores significantly.
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Disbarment and Dismissal: The Legal Tailspin of Rudy Giuliani
Former New York mayor Rudy Giuliani has been disbarred and filed for Chapter 11 bankruptcy, seeking to convert to Chapter 7.
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SAVE Plan Ending in 2026: Key Deadlines For Student Loans Borrowers
Master the student loan repayment transition from the SAVE plan to the OBBBA. Prof. Hernandez explains the Supreme Court ruling, the new RAP plan, and critical July 1 deadlines for borrowers. Protect your forgiveness credits and avoid costly automatic enrollment.
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Bankruptcy Attorney and Law Professor’s Analysis on Life Insurance and the Bankruptcy Estate
How does a term life or whole life insurance policy affect a Chapter 7 bankruptcy? As a professor of Consumer Bankruptcy Law, I explain the critical difference between cash value, exemptions, and the steps a bankruptcy trustee can take against your policy.
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Bankruptcy Residency Requirements: Can You Use Another State’s Exemptions?
Bankruptcy Attorney and Law Professor explains the 180 and 730-day residency rules. Learn how relocation affects your bankruptcy filing venue and which state’s exemption laws protect your home and assets under the Bankruptcy Code.
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Bankruptcy and Car Accidents: Navigating Asset Disclosure and Liability
Can car accident debt be discharged in bankruptcy? Learn how settlements are treated as assets & which accident-related liabilities are eligible for discharge.
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Navigating the Fallout: How the Infowars Bankruptcy Liquidation Unfolded
Legal analysis of the Infowars bankruptcy liquidation, examining Chapter 11 conversion, trustee duties, and strict judicial oversight of asset auctions.
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Republican-led States Sue Biden Administration Over Student Loan Forgiveness | Podcast Discussion
The podcast delves into student loan forgiveness politics. Republican-led states oppose it, despite potential economic benefits.
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Navigating the Lawsuit Process: Key Steps Explained
The podcast discusses being served a lawsuit, legal responses, bankruptcy effects, and mediation.
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Can Your Golf Hobby Affect Bankruptcy Claims?
This podcast delves into golf and bankruptcy issues, shedding light on bankruptcy’s impact on golf activities.