Miami Lawyers
-
Understanding Delaware Bankruptcy Exemptions
Delaware bankruptcy exemptions protect assets like homes and vehicles while determining filing chapters.
-
Liberation Day or “Tax the Consumer” Day? The True Cost of Political Doublespeak
Bankruptcy Attorney & Law Prof. Alex Hernandez analyzes how Liberation Day and the 2026 labor shortage drive a multi-thousand-dollar “Chaos Tax” on consumers.
-
23andMe Bankruptcy: Safeguard Your Data Now
With 23andMe’s bankruptcy, protecting personal data and freezing credit is essential for safety.
-
Impact of U.S. Tourism Decline on Local Economies
Tourism decline impacts U.S. economy; concerns over safety deter international travelers significantly.
-
Why Eliminating the Department of Education Affects Us All
The video addresses misconceptions about the Department of Education’s funding and its potential economic impact.
-
Tips for Getting Reimbursements Post-Hurricane
The author discusses hurricane-related financial challenges, insurance reimbursements, and protecting credit scores.
-
How the 2025 Recession Could Affect Your Finances
The blog discusses preparing for a potential 2025 recession, reflecting on past personal financial experiences.
-
Understanding Connecticut Bankruptcy Exemptions
Connecticut bankruptcy exemptions protect various assets, with specific residency requirements for filing.
-
Forever 21 Bankruptcy: All Locations Likely to Close
Forever 21’s bankruptcy leads to more closures, signaling broader retail struggles amidst changing consumer behaviors.
-
The Parent PLUS Trap: Why You Are a Target For Creditors
Bankruptcy Attorney and Law Professor** Prof. Hernandez warns that Parent PLUS loans make parents an “easy target.” Learn how the Treasury uses wage garnishment and Social Security seizure to recover six-figure educational debt.
-
The Rise of Aggressive Collection by the Treasury Department
The Department of Education is officially initiating the student loan transfer to Treasury collections. As the SAVE plan ends, learn how the OBBBA and the new 30-year repayment terms impact your financial survival. Prof. Hernandez breaks down the Treasury’s “hired muscle” tactics.
-
The Foreclosure Surge. How Tenants Can Stay in the Property
As foreclosures rise 20%, tenants face a dilemma: who gets the rent? Prof. Hernandez explains your legal rights and how to handle the assignment of rents.
-
Sinking in Car Debt? How the Chapter 13 Cramdown Rescues You From Long-Term Car Loans
Bankruptcy Attorney & Law Professor Hernandez analyzes the 100-month car loan debt trap and how the Chapter 13 cramdown can reduce negative equity to fair market value.
-
The Forever Car Loan: Why Stretching Your Term is a Financial Trap
Prof. Hernandez analyzes why 100-month car loans are a financial trap. Discover the “Double Sting” of reaffirmation agreements and how bankruptcy provides a clean exit
-
Personal Injury Settlements: Chapter 7 vs. Chapter 13 Bankruptcy
Prof. Hernandez explains how personal injury settlements are treated in Chapter 7 liquidation vs. Chapter 13 reorganization, including the Liquidation Test.
-
How Personal Injury Settlements Move Through a Bankruptcy Case
Learn how the process of a PI settlement moves through a bankruptcy case and why the Trustee oversees every step. Understand what the bankruptcy Trustee requires and how the process affects your claim
-
Protecting Your Recovery: Personal Injury Settlements and the Bankruptcy Estate
Can you keep your personal injury settlement in bankruptcy? Prof. Hernandez analyzes 11 U.S.C. § 522(d)(11)(D), state exemptions, and strategic alternatives to filing.
-
The AI Economy and the Looming “Dot-Com” Reckoning
Prof. Hernandez analyzes the AI profitability paradox, the “Dot-Com” reckoning, and why the death of the tax base threatens the future of the middle class.
-
Does Bankruptcy Stop Eviction? The Pre vs. Post-Judgment Rule
Bankruptcy Attorney & Law Professor explains when bankruptcy stops eviction, how the pre‑ vs. post‑judgment rule works, and when landlords can still proceed.