Miami Lawyers
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The List of Recent Rite Aid Locations Closing
Rite Aid is shutting down underperforming stores amid ongoing Chapter 11 bankruptcy proceedings.
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Impacts of the Ongoing Trade War: What to Expect
Below is a summary of my podcast and YouTube discussing the ongoing trade war. Key Points Trade Wars, Non-Existent Trade Deals, and a New Pope It seems our heads are spinning 24/7. We have a new Pope, Robert Francis Prevost, Pope Leo XIV. He was born in Chicago, but resided in Latin America for most…
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Why the U.S.-Britain Trade Deal is Not What You Think
The supposed U.S.-Britain trade deal is misleading, lacking any concrete agreements or impacts.
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Weight Watchers is Skinny on Cash
Earlier this week, Weight Watchers filed for Chapter 11 bankruptcy in the U.S. Bankruptcy Court for the District of Delaware. The good news is that their website stated that members will be unaffected. What Went Wrong with Weight Watchers? As I’ve stated consistently throughout my blogs and YouTube videos, businesses need to be fluid and…
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Why the U.S. Economy Feels Like a Toxic Conflict Relationship
Bankruptcy Attorney & Law Professor Alexander Hernandez explains how 2026 tariffs and Iran war fuel costs are nickel-and-diming households. Protect your budget from rising costs.
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The Cubanization of the U.S. Economy| Prof. Hernandez
Morgan Stanley predicts a “Cubanized” U.S. economy, emphasizing creativity and resourcefulness in challenges.
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Understanding the Statute of Limitations on Debt
The statute of limitations limits debt recovery time; expired debts are generally uncollectible through lawsuits.
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Understanding D.C. Bankruptcy Exemptions: What You Need to Know
D.C. bankruptcy allows choosing federal or local exemptions, with specific residency and asset protection rules.
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Understanding Trump’s Tax Claims and Executive Orders
Discusses the importance of critical thinking in evaluating political statements and tax systems.
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How to Protect Yourself from Student Loan Wage Garnishment
Student loans will begin wage garnishment on May 5, 2025; stay financially prepared.
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Official Form 108: Understanding the Statement of Intention
Prof. Hernandez explains Official Form 108. Learn the difference between surrendering, reaffirming, & redeeming assets in a Chapter 7 filing.
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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.
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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.
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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
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Why Filing Bankruptcy is Better Than Raiding Your 401(k)
With a record number of 401(k) hardship withdrawals, consider filing for bankruptcy instead of raiding your retirement account.
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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.
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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.
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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
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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.
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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.