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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Introduction to Chapter 13: The Wage Earner’s Plan
Clear, authoritative summary of Chapter 13 bankruptcy by Prof. Hernandez, explaining arrearage cures, plan feasibility, disposable income rules, and why many plans fail.
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Why Mortgage Delinquencies Signal Household Financial Collapse
Mortgage delinquencies are rising. Learn the early warning signs, why households default, and the steps homeowners should take before missing a mortgage payment.
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Credit Report Impact on Co‑Debtors When Someone Else Files Bankruptcy
A debtor’s bankruptcy can severely damage a co‑debtor’s credit report. Learn how misreporting happens and how co‑debtors can dispute inaccuracies.
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The 70% Default Trap. Why Consumers Lose Debt Lawsuits Before They Even Begin
Learn why debt lawsuits result in default judgments, and discover how fear, missed responses, and unlawful tactics lead to automatic losses.
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A Guide to Understanding Kansas Bankruptcy Exemptions
Clear overview of Kansas bankruptcy exemptions for Chapter 7 and Chapter 13, including residency rules, homestead limits, and protected assets.
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Short Sale or Bankruptcy? Evaluating Your Strategic Exit Options
Considering a short sale? Learn the hidden financial and tax risks and why bankruptcy may offer a more strategic, protective path forward.
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A Guide to Understanding Iowa Bankruptcy Exemptions & Protecting Your Assets
Iowa bankruptcy exemptions explained. Learn how to protect your assets, how Iowa’s exemptions work, & when Chapter 13 protects non‑exempt assets.
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Schedule I and J: The Reality of Monthly Cash Flow
Chapter 7 eligibility requires more than passing the means test. See how Schedules I and J reveal disposable income and shape your bankruptcy outcome.
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Are You Underwater? How America’s Debt Crisis Increases Personal Bankruptcies
National debt is surging, raising interest costs and pushing households toward bankruptcy. Learn how federal deficits increase personal financial risk.
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The Rise in Foreclosures: Why Acting Early Saves Your Home and Your Money
Foreclosures are on the rise in 2026. Discover how acting early saves your home and your money by avoiding the hidden, escalating costs of legal delay.