Miami Lawyers
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Racism and Trump’s Recent Executive Orders
The discussion addresses racism related to Trump’s policies, including deportations and preferential immigration for whites.
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How Federal Deregulation and Overhauls Impact Your Household Finances
Discover how federal deregulation, institutional budget cuts, and economic policy shifts impact household budgets, drive up debt, and increase bankruptcy risk.
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Your Personal Data with the Treasury Department is at Risk
Doogie Howser types now control the Treasury, raising concerns about experience and personal data security.
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Political Instability and the Financial Snowball Effect: A 2026 Analysis
How does political chaos drive financial instability? Prof. Hernandez analyzes the “snowball effect” of DOGE, TPS rescission, and tariffs on your personal debt.
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The Chaos Tax: Political Instability and Your Bottom Line
Prof. Hernandez analyzes the 2026 “Chaos Tax,” from 25% Canada tariffs to the Iran War’s impact on gas prices. Discover why political instability is driving a 44% housing inventory surplus and surging bankruptcies. Learn how to shield your finances today.
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Expert Analysis: How Trump’s Union and Tariff Actions Fuel Bankruptcy
Professor Alex discusses unions, personal finance, and political chaos affecting financial stability in Morning Coffee.
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The Chapter 7 Liquidation Test: Why Your Non-Exempt Assets Require Chapter 13 Plan
The liquidation test determines creditors’ payments under Chapter 13 compared to hypothetical Chapter 7 liquidation.
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How Politics Affects Your Pocket: What the “Colombia Crisis” Taught Us for 2026
Prof. Hernandez analyzes the 2026 “Expenses Snowball.” Learn how Section 122 tariffs and new OBBB student loan repayment plans are squeezing household budgets.
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Impact of a President Trump Economy on Your Finances
Prof. Hernandez analyzes the March 2026 financial “perfect storm”: 34.5% lumber tariffs, the Iran war fuel spike, and the “At-Will” employment trap. Learn why foreclosures are rising and how the DEI rollback creates new household debt.
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Luxury Expenses in Bankruptcy. Like Golf?
Liam’s bankruptcy case raises issues about golf expenses and unsecured debts during his filing.
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Strategic Debt Relief: How Personal Loans Can Help
Personal loans can relieve debt, improve credit, and settle creditor lawsuits, despite credit challenges.
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Understanding Non-Dischargeable Debts: Why Bankruptcy Isn’t a “Get Out of Jail Free” Card
Can criminal fraud debt be discharged? Professor Alexander Hernandez, J.D., explains Section 523(a) and non-dischargeable debt using the G-Herbo case example.
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The Adversary Process and the Fall of Rudy Giuliani’s Chapter 11 Bankruptcy
Professor Alexander Hernandez, J.D., analyzes Rudy Giuliani’s Chapter 11 dismissal and the adversary process behind the $148M defamation judgment.
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Facing a Credit Card Lawsuit? A Law Professor’s Guide to the Process
When sued, know response due date. Sending a letter to judge is not a proper legal response.
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The Confusion with Mortgage Liens and Bankruptcy
Confused by how Chapter 7 or 13 affects your home? A bankruptcy professor explains why mortgage liens survive discharge and how to avoid costly foreclosure traps.
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Decoding Chapter 7: Exemptions, Means Testing, and the Disposable Income Trap
Chapter 7 bankruptcy involves liquidation, exemptions, means testing, and disposable income for debtors.
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Quick Guide to the Basics: Liquidation, Exemptions, and The Means Test
The blog explores Chapter 7 and Chapter 13 bankruptcies, focusing on exemptions and means testing.
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Understanding Trustee Scrutiny in Bankruptcy
Luxury expenses can jeopardize bankruptcy cases due to trustee scrutiny and disclosure requirements.
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Welcome to Bankruptcy.blog: Navigating Your Path to Financial Relief
Learn about Chapter 7 and 13 bankruptcy from Professor Alex Hernandez, author of “Consumer Bankruptcy Law” (Routledge). Get expert insights on student loans, mortgages, and filing resources for debtors and paralegals.