Miami Lawyers
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Illinois Smart Buy: Student Loan Relief for Homebuyers | Prof. Hernandez
Illinois’ Smart Buy Program helps eliminate student loan debt and assists with home purchases.
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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.
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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.
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Chapter 7 Bankruptcy: The Automatic Stay and Co-Signers
Filing for Chapter 7 with a co-signer? Learn why the automatic stay doesn’t protect them and discover practical strategies to manage the risks.
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Post-Petition Transfers in Bankruptcy and the Avoidance Powers
Understand how trustees manage post-petition assets under 11 U.S.C. § 549 and § 554, including avoidance powers and the economic logic behind asset abandonment.
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The Zero-Equity Trap: How Liquidity Exhaustion is Fueling the Bankruptcy Surge
Learn how long-term auto loans create zero equity, increase bankruptcy risks, and how Chapter 7 or 13 can offer real financial relief.
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When Auto Debt Outlives the Car: The Rise of 84‑Month Loans and Bankruptcy
84‑month auto loans often lead to long‑term negative equity and repossession risk. Learn how bankruptcy can address deficiency balances and protect consumers.
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Understanding the Motion for Turnover in Bankruptcy Proceedings
How the Motion for Turnover in bankruptcy under §542 allows debtors to reclaim repossession of seized assets.
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Saving Your Home After a Foreclosure Sale: The Bankruptcy Strategy
Can bankruptcy stop a foreclosure after the sale? Learn how filing before title transfer can still protect your home.
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Regaining Your Car After Repossession: Bankruptcy Options
Stop car repossession with bankruptcy & force the lender to return your vehicle. Learn how timing and Chapter 13 options work.
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Willful vs. Negligence: Discharging Injury Debt | Prof. Hernandez
Can you discharge injury debt in bankruptcy? Prof. Hernandez explains the critical difference between willful, malicious acts and ordinary negligence.
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Stop Foreclosure Fast: Why Delaying Your Chapter 13 Filing Costs You Thousands
Avoid common foreclosure traps. Discover why acting early with a Chapter 13 filing helps you minimize legal fees, protect your equity, and secure your financial future.
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Auto Repossession Risk Hits 32-Year Highs: What Borrowers Need to Know
Facing auto repossession? Bankruptcy’s automatic stay can stop it, and a Chapter 13 cramdown may lower your loan balance and interest rate.