Miami Lawyers
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President Biden Announces Last Batch of Student Loan Forgiveness
Prof. Hernandez clarifies the real history of PSLF, the death of the SAVE plan, and critical new transition boundaries under the 2026 OBBBA framework.
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Filing Bankruptcy in Arkansas: Exemptions Explained
Learn how to protect your assets using Arkansas bankruptcy exemptions. Understand the difference between state and federal options, the homestead exemption, and wildcard rules for Chapter 7 and 13 cases.
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The Corporate Snowball Effect: Understanding the 2026 Business Bankruptcy Surge
The corporate & small business bankruptcy surge continues as retail failures continue to increase Chapter 7, Subchapter V, & Chapter 13 filings.
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The Legal and Financial Reality of Restructuring the Department of Education
If the Department of Education is eliminated, student loans will remain, with potential increased payments.
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Credit Report Errors with Student Loans and Data Breaches
Regularly checking your credit report is vital to avoid costly errors and identity theft.
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Understanding the Impact of the Federal Government Shutdowns
Federal government shutdowns continue to harm the economy, affecting employees and local businesses significantly.
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Understanding Bankruptcy Exemptions in Arizona: Protecting Your Assets
Bankruptcy Attorney & Law Professor explains the 2026 Arizona bankruptcy exemptions. Protect your home and car from creditors.
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How Health Insurance and Medical Bills Drives Bankruptcy Claims
The content discusses the connection between medical debt and bankruptcy, emphasizing healthcare issues in America.
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No Guarantees that the Trump Tariffs Will Lower Prices
Trump tariffs and rising costs threaten consumer finances, increasing debt and expenses significantly.
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Community Actions to Combat Student Loan Crisis
The author proposes a community service initiative to reduce student loan debt through pro bono work.
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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.
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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.
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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.
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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
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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.
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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
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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.
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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.
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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.
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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.