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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How the National Debt is Forcing Consumers into Debt and Bankruptcy
How the national debt raises borrowing costs, shrinks household budgets, and pushes families toward Chapter 7 or Chapter 13 bankruptcy.
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Avoidance, Abandonment, and the Scope of Bankruptcy Trustee Powers
Learn the Chapter 7 trustee’s powers: understand the one-year insider look-back, post-petition freezes, and statutory abandonment.
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Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?
Worried about your vehicle? Learn how Chapter 7 exemptions protect your car loan, how a trustee buy-back works, and the real financial risks of reaffirming.
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Bankruptcy Code Structure: The Different Chapters Explained | Prof. Hernandez
Learn about the U.S. Bankruptcy Code structure from Chapter 7 to Chapter 13. Featured in Consumer Bankruptcy Law by Prof. Hernandez.
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Can You Go to Jail for Debt? The Reality of Debtors’ Prisons
Debunk the debtors’ prison myth. Learn how aggressive creditors exploit state-court contempt loops to trigger civil arrest warrants, and how to stop them.
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Why You Should Never File for Bankruptcy on Payday
Filing bankruptcy on payday is a costly mistake. Learn how the snapshot rule under 11 U.S.C. §541 can trap your paycheck and trigger avoidable financial loss.
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Why Chapter 7 Liquidations Are Outpacing Chapter 13 Cases
Chapter 7 filings are growing at triple the rate of Chapter 13. Learn how escrow shock and the $18.8T household‑debt crisis are driving a wave of liquidations.
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The Hidden Risk of Passive Business Ownership in Consumer Bankruptcy
Does bankruptcy put a relative’s business at risk if your name is on the paperwork? Bankruptcy attorney & law professor Prof. Hernandez analyzes passive equity.
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The Statutory Distribution of Debt in Bankruptcy
A clear guide to how bankruptcy distributes debt, from priority claims to Chapter 13 feasibility and the liquidation test that protects unsecured creditors.
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The Redfin Delisting Surge: The “Buying Time” Strategy
Redfin data shows a surge in delistings as homeowners try to “buy time.” This article explains the risks of becoming an accidental landlord in a tightening economy.