Monday, August 31, 2026
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Bankruptcy.Blog

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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.

  • 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 Statement of Financial Affairs (SOFA) on the Bankruptcy Petition

    A bankruptcy attorney and law professor’s comprehensive review of the Statement of Financial Affairs in the bankruptcy petition.

  • Foreclosure Rise Continues: Chapter 13 Bankruptcy Saves Homes

    The ATTOM report shows rising foreclosures. See the critical difference: Chapter 7 buys time; only Chapter 13 saves your home by curing the debt.

  • The Tariff Tax: The “Largest U.S. Tax Hike” in 30 Years as Bankruptcies Surge

    Bankruptcy Attorney and Law Professor’s analysis: The tariffs are the ‘largest tax hike’ in 30 years. Learn why regressive tariffs are driving up consumer debt and Chapter 7 filings.

  • The Chapter 13 Bankruptcy Hardship Discharge

    Learn the strict legal requirements for the Chapter 13 bankruptcy hardship discharge (11 U.S.C. § 1328(b)). See what qualifies as unavoidable circumstances and permanent disability.

  • The Tariff Hoax: The Farmer Bailouts to Avoid Bankruptcy

    Expert analysis of why farm bailouts failed to prevent Chapter 12 filings. See how the tariff hoax and loss of foreign aid markets crippled farmers.

  • The Post-Bankruptcy Credit Surge: Rebuild Your Credit

    A bankruptcy discharge is a clean slate. Learn the post-bankruptcy credit surge strategy, including the Secured Credit Card and Credit-Builder Loan tactics.

  • The Rule 2004 Examination: The Broadest Discovery Tool in Bankruptcy

    The Rule 2004 Examination is the “fishing expedition” used by Trustees to investigate assets, transfers, and grounds for discharge denial. Understand its broad scope and limitations.

  • Spotting the Critical Issues in Bankruptcy Schedule J (Expenses)

    Avoid costly mistakes on Schedule J. Learn how Trustees scrutinize expenses, handle joint filings, and calculate disposable income to prevent Chapter 7 conversion or case dismissal.

  • The Perfect Financial Storm is Here

    Travel bans, AI job losses, and tariff policy are creating a ‘perfect storm.’ Learn how record household debt is driving U.S. foreclosures and bankruptcy filings among businesses and consumers.

  • Navigating a Creditor Lawsuit: The Strategic Use of Filing an Answer Before Bankruptcy

    Don’t default! Learn the strategic reason to file an Answer to a creditor lawsuit: buying essential time for saving or qualifying to file for bankruptcy.