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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Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay
Don’t lose your car or wages! Learn the critical steps to enforce the Automatic Stay by filing the Notice or Suggestion of Bankruptcy and legally stop all creditor action now.
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How to File a Proof of Claim in Any Consumer Bankruptcy Case
A professor’s essential guide on filing Official Form 410 (Proof of Claim). Learn how to secure your consumer deposit and claim priority status under 11 U.S.C. § 507.
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Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026
Bankruptcy attorney & law professor explains the debt-to-bankruptcy lag & the record debt that guarantees a surge in bankruptcy filings.
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Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing
Don’t risk your discharge! A bankruptcy law attorney and law professors expert details how credit card spending during Black Friday and the holidays can be challenged as fraud by Trustees.
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American Signature Files for Bankruptcy, Your Order, and My Furniture Industry Forecast
As a bankruptcy professor, I explain why American Signature filed and your urgent rights. Learn how to file a claim, use credit card chargebacks, and protect your furniture deposit.
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Buying a Car While in Chapter 13: The Critical Steps Every Debtor Must Know
Are you in Chapter 13 bankruptcy and need a car loan? Learn the critical steps to get court and Trustee approval. Avoid plan dismissal, high rates, and feasibility objections.
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The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent
Professor-verified: Your Chapter 13 plan payment is not fixed. Learn why a raise or job loss could trigger a mandatory payment increase or even force a conversion to Chapter 7 bankruptcy.
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Schedule I (Income) of the Bankruptcy Petition: Avoid Pitfalls That Force Chapter 13 or Dismissal
Bankruptcy Attorney & published professor explains the common errors on Schedule I (Income) and Schedule J (Expenses) Chapter 7 bankruptcy.
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Free FCRA Sample Letters: Dispute Credit Report Errors Yourself (Attorney Approved)
Stop paying credit repair scams. Download free, attorney-drafted FCRA sample dispute letters you can use today to correct inaccurate items on your credit report and boost your score.
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Credit Repair Organizations: Why I Call the Industry a Fraud
A bankruptcy attorney and law professor exposes credit repair fraud. Learn why these companies are ineffective and fail to fix your credit.