Miami Lawyers
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Dismissed with Prejudice and the Prejudice Period
The “prejudice period” limits bankruptcy refiling after dismissal, lasting 180 days for Chapter 7 and 13.
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Why Abolishing the IRS is a Recipe for Economic Disaster
Abolishing the IRS risks financial instability, contradicts historical lessons, and presents impractical implications for loans.
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Burner Phones: U.S. Customs and Border Protection
Burner phones recommended as protection against border phone checks.
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Voting Against Self-Interest: The Economic Consequences
Prof. Hernandez analyzes the 2026 economic slowdown and the “nickel and dimed” affordability crisis. Explore the data on $18T in debt, DOGE audits, and the $14.5T immigration surplus.
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Trump Denies North Carolina FEMA
Political and financial chaos is affecting everyone, necessitating individual preparation for future instability.
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Preparing for a Recession: Decisions Have Consequences
Be prepared for potential recession impacts; prioritize financial caution and avoid impulsive decisions now.
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Consider Freezing Your Credit Now Thanks to DOGE
To protect against data breaches, I froze my credit, ensuring security and peace of mind.
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What Hooters’ Bankruptcy Teaches Consumers About Lease Rejection
Bankruptcy Attorney & Law Professor Hernandez explains how Hooters’ lease rejection strategy under Section 365 can help debtors surrender cars and apartments.
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The Tenant in the Middle: What Happens When Your Landlord Files Bankruptcy?
If your landlord files for bankruptcy, your lease doesn’t just disappear. Prof. Hernandez explains “accidental landlords,” escrow shock, and how Section 365(h) protects tenant rights during a filing.
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The Accidental Landlord: How Renting Your House Forfeits Bankruptcy Protection
Learn how renting your home forfeits your homestead exemption in bankruptcy and why “accidental landlords” risk losing their property when filing Chapter 7 or Chapter 13 in 2026.
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Gambling with a HELOC to Pay Record Credit Card Debt in 2026
Bankruptcy Attorney & Law Professor Hernandez analyzes why using a HELOC to pay off record-high credit card debt in 2026 is a risky “equity stripping” move compared to bankruptcy.
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Mortgage Defaults Rising: An Escrow Shock Analysis of the 2026 Foreclosure Surge
Mortgage defaults are rising as Escrow Shock drives a 2026 foreclosure surge. Protect yourself with Chapter 13 and remove second mortgages.
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Understanding the Bankruptcy Rescission Period with Reaffirmation Agreements
Buyer’s remorse? Prof. Hernandez explains how to cancel a reaffirmation agreement within the 60-day rescission period under 11 U.S.C. 524(c).
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Reaffirmation Agreements: Why “Vulture Creditors” Want Your Signature
Are “vulture creditors” pressuring you to sign a reaffirmation agreement on furniture or electronics? Prof. Hernandez exposes their high-pressure tactics, the “silverware” bluff, and how to protect your bankruptcy fresh start from unnecessary personal liability.
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Do I Have to Go to Court for a Reaffirmation Agreement?
Bankruptcy Attorney & Law Professor explains when a court appearance is required for a reaffirmation agreement.
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The Bankruptcy Contradiction: Why Filing Can Raise Your Credit Score
Can filing for bankruptcy actually improve your credit? Prof. Hernandez explains the 2026 “Credit Reset” paradox, DTI benefits, and reaffirmation strategies.
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The Zombie Store Card: Why Retail Closures are a Hidden Credit Score Landmine
Bankruptcy attorney and law professor explains how retail store closures in 2026 can trigger sudden credit score drops. Learn how “zombie” store cards raise utilization and hurt your FICO.
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Why Your “Common Sense” is Killing Your Credit Score
Bankruptcy Attorney & Law Professor explains how to improve your credit score while protecting your cash instead of giving large deposits.