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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The Architecture of Bankruptcy: Judges, Trustees, and Creditors
Demystify the bankruptcy court system with Prof. Hernandez. Learn the distinct roles of Article I judges, private trustees, and the U.S. Trustee.
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The History & Evolution of Bankruptcy Law| Prof. Hernandez
Trace the history and evolution of bankruptcy law with Prof. Hernandez. Discover how ancient insolvency debts transformed into modern asset protections.
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The $18.8 Trillion Household Debt Crisis: Why Older Americans Are Struggling Financially
Rising household debt is hitting seniors hardest. See why older Americans are struggling financially and the legal protections that can safeguard retirement.
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The Non-Judicial Foreclosure Myth: How to Force Your Lender Into Court
Think you can’t stop a non‑judicial foreclosure? Bankruptcy attorney & law professor explains how homeowners can save their home with a court injunction.
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Foreclosures Are Rising: Understanding Your Rights in a Judicial vs. Non‑Judicial State
Learn your foreclosure rights in judicial and non‑judicial states and how Chapter 13 can stop a foreclosure and protect your home.
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Idaho Bankruptcy Exemptions: Protecting Your Assets
Bankruptcy attorney & law professor explains Idaho’s strict bankruptcy exemption laws, residency rules, and how to protect your assets.
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Reaffirmation Agreements: Why You Can’t Negotiate Your Car Note in Chapter 7
Understand the risks in reaffirming a car loan in Chapter 7 bankruptcy and why lenders refuse to negotiate the loan terms.
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Bankruptcy Petition Preparers vs. Attorneys: The Cost of “Cheap” Advice
A bankruptcy attorney and law professor warns how petition preparers cross legal lines, risk dismissal, and jeopardize your home, wages, and case.
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Refinancing Your Mortgage in Chapter 13: The Fast Track to a Discharge
Can you refinance your mortgage in Chapter 13 to get an early discharge? Prof. Hernandez explains the court requirements, the 12-month payment rule, and how to pay off creditors to successfully close your case in 2026.