Monday, August 31, 2026
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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.

  • Burner Phones: U.S. Customs and Border Protection

    Burner phones recommended as protection against border phone checks.

  • 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.

  • Trump Denies North Carolina FEMA

    Political and financial chaos is affecting everyone, necessitating individual preparation for future instability.

  • The Death Master File: Financial Disaster and Protecting Your Assets

    The Social Security Administration’s Death Master File is flagging living persons as dead. Expert advice on how to secure your bank accounts.

  • The Trump DOJ Adds to the Chaos in Politics: The Economic Ripple Effect

    Chaos in politics disrupts stability, affecting markets and businesses while harming economic growth overall.

  • Preparing for a Recession: Decisions Have Consequences

    Be prepared for potential recession impacts; prioritize financial caution and avoid impulsive decisions now.

  • Consider Freezing Your Credit Now Thanks to DOGE

    To protect against data breaches, I froze my credit, ensuring security and peace of mind.

  • 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.

  • Understanding Delaware Bankruptcy Exemptions

    Delaware bankruptcy exemptions protect assets like homes and vehicles while determining filing chapters.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.