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  • Chapter 13 Bankruptcy: Wage Stagnation, Inflation, and the Survival Budget

    Navigating a Chapter 13 plan during inflation? This guide explains feasibility strategies, the liquidation test, and how to effectively manage your repayment plan.

  • The Bankruptcy Tipping Point: Chapter 7, Grocery Inflation, and the Means Test Trap

    How inflation and outdated IRS allowances affect Chapter 7 eligibility in 2026, plus key strategies for navigating the Means Test.

  • Understanding Credit Reports: Disputing Errors Made Easy

    Learn how to identify and dispute common errors on your Equifax, Experian, and TransUnion credit reports. Protect your credit core!

  • The 2026 Rise in Bankruptcy Filings: Why Small Businesses Are Hitting the Debt Wall

    Small businesses are facing mounting debt pressure in 2026. Learn why more owners are turning to Subchapter V to restructure obligations and secure a fresh start.

  • Indiana Bankruptcy Exemptions: Protecting Your Assets

    Protect your assets in Indiana with our expert guide to bankruptcy exemptions. Prof. Hernandez breaks down the tangible and intangible property rules to help you secure a fresh start.

  • Chapter 7 Bankruptcy and Debunking the Liquidation Myth

    Is Chapter 7 always a liquidation? Learn the reality of no-asset cases, the truth about the means test, and why this chapter may not save your home. Read the expert breakdown.

  • The LLC Illusion: Accidental Landlords and Personal Liability in Foreclosures

    Foreclosure rates are at a 7-year high. Don’t fall for the LLC liability trap. Learn why personal guarantees survive title transfers and protect your future.

  • The 2026 Bankruptcy Surge and the New Importance of the Co‑Debtor Stay

    Bankruptcy filings have surged 47%. Learn how the Chapter 13 Co‑Debtor Stay protects co‑signers from zero‑equity auto loans and deficiency lawsuits.

  • Chapter 13 Bankruptcy: The Co-Debtor Stay Advantage

    Protect your co‑signers with this guide to the Chapter 13 Co‑Debtor Stay. Learn how the stay works, its limits, and how to prevent post‑bankruptcy deficiency lawsuits against co‑debtors.

  • Illinois Bankruptcy Exemptions: A Complete Guide to Asset Protection

    Protect your property with this complete guide to Illinois bankruptcy exemptions. Learn how to maximize your asset protection and navigate state-specific rules effectively.

  • Mapping the Bankruptcy Surge: Newsweek Report Means Struggling Households

    New ABI data reveals a massive 49-state spike in filings. Prof. Hernandez breaks down the Newsweek bankruptcy map and what is driving this consumer surge.

  • Why the Moody’s Analytics Report Signals a Consumer Bankruptcy Surge

    Moody’s Analytics finds the Iran conflict is costing families $750 and fueling a nationwide consumer bankruptcy surge driven by rising household debt.

  • The Danger of Being a “Silent” Business Owner in Personal Bankruptcy

    Bankruptcy Attorney & Law Professor explains the bankruptcy risks of being listed on a spouse’s corporation, including trustee issues.

  • BAPCPA (2005): Reaffirmation Pitfalls and the Attorney Liability Trap

    Bankruptcy Attorney & Law Professor explains reaffirmation agreements under BAPCPA 2005 and the hidden risks for debtors and attorneys.

  • BAPCPA (2005): The Effect on Consumer Bankruptcy Law

    Prof. Hernandez explains how BAPCPA changed consumer bankruptcy law from the Means Test to why people file for bankruptcy.

  • The Convenience Bank Account Trap: Can a Trustee Take Your Parents’ Money?

    Worried a trustee can take your parents’ money? Understand the convenience‑account defense and how to protect joint family accounts.

  • Can the Bankruptcy Trustee Take Your 529 College Plan?

    Can a trustee take your 529 college fund? The 529 plan bankruptcy exemption rules explained by a bankruptcy attorney and law professor.

  • Is Your Child’s Bank Account Safe in Bankruptcy?

    A bankruptcy attorney explains how trustees view children’s savings accounts and when those funds become part of the bankruptcy estate.

  • What Are “Clean Bank Statements in Bankruptcy?

    Avoid red flags when you file for bankruptcy. Clean bank statements explained by a bankruptcy attorney & law professor.