Miami Lawyers
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Debt Reduction Made Simple: Strategies for Managing Credit Card Debt
Start saving money now! Get practical steps for debt reduction, including when to use balance transfers and how to choose the right option.
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Where to File for Bankruptcy: Understanding Residency Requirements
Don’t risk your property. This expert guide breaks down the 180-day filing rule and the crucial 730-day residency requirements that dictate your state exemptions.
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Understanding Legal Steps Before Bankruptcy: Avoiding Common Pitfalls
Authored by a published Bankruptcy Professor. Learn the essential legal steps to manage active creditor lawsuits before filing Chapter 7 or 13. Stop wage garnishment and properly file the Suggestion of Bankruptcy to protect your assets.
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The Critical Role of Credit Report Accuracy and Identity Theft Protection
Defend your rights under federal law. A bankruptcy attorney and law professor provides an authoritative FCRA credit report dispute guide to protect your file.
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How to Handle Contracts and Creditors After a Disaster: A Legal Guide
A legal guide to the Act of God clause. Learn how disasters affect contracts, service agreements, and creditor demands—and how to protect your rights.
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Understanding the 341 Meeting: What Creditors and Debtors Need to Know
Understand creditor rights at the 341 meeting, how proofs of claim work, and what happens when you become an accidental creditor in bankruptcy.
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Sued by a Creditor? Why the Automatic Stay Isn’t Always Enough
Sued by a creditor? Learn the best bankruptcy strategies, defenses, and civil court procedures to stop collection lawsuits and protect your assets.
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FEMA vs. SBA Disaster Aid: Separating Grants from Loans for Financial Recovery
An attorney and law professor and disaster survivor breaks down the critical difference: FEMA provides grants, while the SBA offers loans. Learn the legal facts to protect your home and finances from misinformation.
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Understanding Bankruptcy Exemptions for Business Owners
Filing Chapter 7? Learn how business owners use state and personal bankruptcy exemptions (including tools of the trade) to protect valuable business assets.
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Pay Off Debt Faster with Smart Mortgage Refinancing
Professor Alex discusses refinancing, saving, investing, and debt management strategies for financial growth.
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Maximize Savings with Chapter 13 Cramdown | Bankruptcy Blog
Chapter 13 bankruptcy offers benefits such as protecting nonexempt assets and allowing for a cramdown on car loans.
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Can You Pay Bankruptcy Attorney with Credit Cards?
Can you pay your bankruptcy lawyer with a credit card? A bankruptcy attorney & law professor explains why this is a red flag for the Trustee.
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Financing the End: Should You Use a Personal Loan for Your Divorce?
Can you use a personal loan to pay for a divorce lawyer? Prof. Hernandez explains the risks of financing contested vs. uncontested cases and the link to bankruptcy.
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Why Good People Get Bad Credit: An Economic Reality
Rebuild your credit after financial hardship with step‑by‑step strategies for improving scores, lowering debt, and restoring financial confidence.
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Stopping Foreclosure: Can Chapter 13 Save Your Home at the Last Minute?
Is your foreclosure sale only days away? Prof. Hernandez explains how the Automatic Stay and “bare-bones” Chapter 13 filings provide a last-minute lifeline to save your home and catch up on missed payments.
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Medical Debt and the Strategic Path to Financial Recovery
Learn when to file bankruptcy for medical debt. Understand treatment timing, billing traps, and strategic steps to maximize debt relief.
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Will Red Lobster Survive? What Their Chapter 11 Teaches Us About Bankruptcy
Red Lobster survived its Chapter 11 bankruptcy. Discover the legal strategies that saved the brand as you prepare for 2026.
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VA Foreclosure Relief in 2026: What Homeowners Need to Know After VASP Ends
VASP is gone, and no replacement program exists yet. Learn the real VA mortgage assistance options in 2026, including modifications, timelines, and Chapter 13 relief.
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Find Out Which States Oppose Student Loan Forgiveness
Prof. Hernandez analyzes the Republican-led lawsuits blocking student loan relief. Learn how states used MOHELA’s revenue to establish standing and what the shift toward aggressive collections means for borrowers in 2026.
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What to Expect at Your 341 Meeting: A Law Professor’s Guide
Learn what to expect at your 341 meeting from Prof. Hernandez. A guide to the Chapter 7 Trustee’s questions, 2026 remote hearing rules, and your path to solvency.