Monday, August 31, 2026
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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…

  • 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.

  • 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…

  • 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.

  • The Cubanization of the U.S. Economy| Prof. Hernandez

    Morgan Stanley predicts a “Cubanized” U.S. economy, emphasizing creativity and resourcefulness in challenges.

  • Understanding the Statute of Limitations on Debt

    The statute of limitations limits debt recovery time; expired debts are generally uncollectible through lawsuits.

  • 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.

  • Understanding Trump’s Tax Claims and Executive Orders

    Discusses the importance of critical thinking in evaluating political statements and tax systems.

  • How to Protect Yourself from Student Loan Wage Garnishment

    Student loans will begin wage garnishment on May 5, 2025; stay financially prepared.

  • Dismissed with Prejudice and the Prejudice Period

    The “prejudice period” limits bankruptcy refiling after dismissal, lasting 180 days for Chapter 7 and 13.

  • Mapping the Bankruptcy Surge: Newsweek Report Means Struggling Households

    New ABI data reveals a massive 49-state spike in filings. Prof. Hernandez breaks down the Newsweek bankruptcy map and what is driving this consumer surge.

  • Why the Moody’s Analytics Report Signals a Consumer Bankruptcy Surge

    Moody’s Analytics finds the Iran conflict is costing families $750 and fueling a nationwide consumer bankruptcy surge driven by rising household debt.

  • The Danger of Being a “Silent” Business Owner in Personal Bankruptcy

    Bankruptcy Attorney & Law Professor explains the bankruptcy risks of being listed on a spouse’s corporation, including trustee issues.

  • BAPCPA (2005): Reaffirmation Pitfalls and the Attorney Liability Trap

    Bankruptcy Attorney & Law Professor explains reaffirmation agreements under BAPCPA 2005 and the hidden risks for debtors and attorneys.

  • BAPCPA (2005): The Effect on Consumer Bankruptcy Law

    Prof. Hernandez explains how BAPCPA changed consumer bankruptcy law from the Means Test to why people file for bankruptcy.

  • The Convenience Bank Account Trap: Can a Trustee Take Your Parents’ Money?

    Worried a trustee can take your parents’ money? Understand the convenience‑account defense and how to protect joint family accounts.

  • Can the Bankruptcy Trustee Take Your 529 College Plan?

    Can a trustee take your 529 college fund? The 529 plan bankruptcy exemption rules explained by a bankruptcy attorney and law professor.

  • Is Your Child’s Bank Account Safe in Bankruptcy?

    A bankruptcy attorney explains how trustees view children’s savings accounts and when those funds become part of the bankruptcy estate.

  • What Are “Clean Bank Statements in Bankruptcy?

    Avoid red flags when you file for bankruptcy. Clean bank statements explained by a bankruptcy attorney & law professor.