Miami Lawyers
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2026 Mortgage Interest Rates: Is the 17-Month Low Your Escape Hatch?
Rates are at a 17-month low. Learn the math on how a refinance can kill credit card debt, shave 7 years off your loan, and your Chapter 13 exit options.
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Student Loan Forgiveness Update: What Borrowers Should Know Before July 1, 2026
Prepare for the return of the student loan tax bomb. Prof. Hernandez breaks down the OBBBA, the July 1 deadline for RAP enrollment, and how to avoid aggressive Treasury Department collections.
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The Hiring of a Bankruptcy Attorney: A Practitioner’s Perspective
Bankruptcy Attorney & Law Professor provides an expert guide to evaluating bankruptcy attorneys, verifying experience, and transparent fees.
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Personal Loans from Friends and Family in Bankruptcy: The Preferential Transfer Trap
Learn what happens when you repay personal loans before bankruptcy. Understand preferential transfers, insider payments, and trustee clawbacks.
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Equitable Distribution of Marital Debt in Divorce: A Professor’s Guide to Post-Separation Debt and Bankruptcy
A divorce attorney & law professor explains marital debt. Don’t fall for debt threats! Learn how equitable distribution protects you.
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Bankruptcy Fees and Costs, Disclosures, and the Attorney-Client Relationship
A guide to bankruptcy attorney fees, SOFA disclosures, fee prohibitions, and choosing the right lawyer before filing.
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The Fake Graceland Foreclosure: Anatomy of a Title and Mortgage Fraud Scheme
A breakdown of the Elvis Graceland fake foreclosure fraud and how the Presley estate exposed and halted the scheme.
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Data Breaches, Identity Theft, and the Bankruptcy Escape Hatch
Bankruptcy Attorney and Law Professor explains data breach identity theft solutions and how to protect yourself after a major breach.
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Kevin Spacey’s Foreclosure Standoff: An Analysis
Kevin Spacey’s foreclosure standoff shows how post‑sale occupancy works and why bankruptcy eligibility matters. Learn homeowner lessons and Chapter 13 debt limits.
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Why Credit Reports Are Your First Line of Defense Before a Data Breach
Data breaches expose personal information, but your credit report can help you catch identity theft fast. Learn the early indicators and how to protect your credit.
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The 76% Spike in Business Bankruptcy Filings
Prof. Hernandez analyzes the 76% January spike in corporate bankruptcy. Discover the “Consumer Effect” and why the 2026 Financial Reset is accelerating.
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Dealing with the “Reaffirmation Ambush”: Creditor Tactics and the 11th-Hour Timing
Prof. Hernandez exposes the “Reaffirmation Ambush”—when creditors wait until the last minute to send agreements. Learn how to handle 11th-hour tactics and avoid being blamed for lender delays.
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Why Your Mortgage and Car Payments Are “Invisible” After Bankruptcy
Payments missing from your credit report? Bankruptcy Attorney & published Law Professor Hernandez explains why mortgage and auto loans go unreported after bankruptcy and how to fix it.
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Why Your Lawyer Won’t Sign Your Reaffirmation Agreement: The Part C Liability Trap
Bankruptcy attorney and law professor explains why your attorney refuses to sign Part C of a reaffirmation agreement. Discover the “undue hardship” math and how to keep your car without the risk.
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Understanding the Federal Homestead Wildcard Exemption in 2026
Professor Alexander Hernandez explains the 2026 Federal Homestead Exemption ($31,575) and how the “unused” portion creates a $17,475 Wildcard to save your cash and car.
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The 1,215 Day Rule versus the Federal Exemptions. Which Law Protects Your Home in 2026?
Confused by the $214,000 cap and the $31,575 exemption? This head-to-head comparison explains which federal bankruptcy number protects your home equity in 2026.
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Understanding the Federal Bankruptcy Homestead Exemption Limits
What is the federal bankruptcy homestead exemption limits for 2026? Learn about the $31,575 & why it differs from the 1,215-day cap.
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Understanding the Bankruptcy Homestead Exemption and the 1,215-Day Rule
What is the 1,215-day rule? Learn how this 40-month clock caps homestead equity at $214,000 in 2026 and why it’s different from federal exemption limits.
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The “Zombie Debt” Trap: The Statute of Limitations vs. Judgment Renewal
Think your debt expired? A judgment can live for decades through renewals. Learn the difference between the SOL and “Zombie Debt” from Professor Hernandez.
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Predatory Hospital Collection Tactics: A Silent Threat to Your Finances
Stop predatory hospital collection tactics from draining your bank account. Learn why handing over your card at the ER is a trap leading to medical bankruptcy.