Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • The 2026 Financial Squeeze: Navigating the Trump Economy

    In March 2026, the “Trump Tax” is a reality. Prof. Hernandez analyzes the 10% Section 122 tariffs, the Supreme Court’s IEEPA ruling, and how the “Snowball Effect” of labor shifts and municipal budget gaps is shrinking your household purchasing power.

  • Prof. Hernandez: A Guide to California Bankruptcy Exemptions (2026 Update)

    Protect your assets with expert insights from Prof. Hernandez, author of Consumer Bankruptcy Law. Compare California 703 vs. 704 exemption limits for 2026.

  • Facing Ghost Jobs, AI Resume Gatekeepers, and Job Hugging

    Is the job market a fraud? Prof. Hernandez analyzes the massive 2026 job report revisions, the 20% ghost job epidemic, and how AI resume bots have broken the system. Learn why job-hugging is the new survival strategy in this failing economy.

  • Liberal Preppers: Preparing for Financial Uncertainty

    Prof. Hernandez analyzes the rise of “liberal preppers” and the 2026 chaos economy. Learn how to navigate Trump tariffs, 76% bankruptcy surges, and debt hardening.

  • The Time Factor in Becoming Debt-Free: A Deep Dive with Prof. Hernandez

    How long does bankruptcy take? Prof. Hernandez outlines the standard timelines for Chapter 7 and Chapter 13 to help you plan your path to becoming debt-free.

  • The Cost of Defiance: Giuliani, Contempt, and the “Average Debtor” Reality Check

    Rudy Giuliani faces contempt of court for non-compliance in a defamation lawsuit worth $148 million.

  • Trust Yourself: A New Perspective on Your Debt-Free Journey | Prof. Hernandez

    Stop viewing debt as a moral failing. Prof. Hernandez explains why bankruptcy isn’t “sinister” and how trusting yourself is the key to financial recovery.

  • Illinois Smart Buy: Student Loan Relief for Homebuyers | Prof. Hernandez

    Illinois’ Smart Buy Program helps eliminate student loan debt and assists with home purchases.

  • SB 1061 Update: Is Medical Debt Still on Your California Credit Report?

    California’s SB1061 law removes medical debt from credit reports, addressing a significant financial issue.

  • The Economic Reality of Tariffs: Bankruptcy Filings Surge in 2026

    A bankruptcy attorney and law professor explains how rising tariffs are contributing to a new bankruptcy surge and what the economic fallout means for consumers.

  • 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.

  • 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.