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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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Systemic Failure and the Mortgage Crisis: An Analytical Review of Inside Job

    A bankruptcy attorney & professor analyzes Inside Job. Explore systemic failures, predatory lending, and their impact on today’s financial landscape.

  • Chapter 7 & 13: Navigating Tax Refund Asset Protections

    Don’t lose your tax refund in bankruptcy. Learn the legal strategies of timing & exemption analysis under Chapter 7 or 13 bankruptcy.

  • Who Pays for the Personal Loan in a Divorce? Equitable Distribution Explained

    Bankruptcy Attorney and Law Professor explains how personal loans and premarital debts are divided in a divorce. Learn why “equitable distribution” means the name on the loan is secondary to when the debt was incurred and how to protect your assets.

  • The Hidden Cost of Credit Reporting Errors

    Nearly 50% of credit reports contain errors. Prof. Hernandez analyzes how these inaccuracies create ‘moral character’ flags, derail professional licensure, and cause ‘last-mile’ failures in home purchases.

  • Understanding Domestic Support Obligations (DSO) in Bankruptcy: A Law Professor’s Guide

    Bankruptcy Attorney and Law Professor explains how Domestic Support Obligations (DSO)—child support and alimony—are NON-DISCHARGEABLE in Chapter 7 and Chapter 13 bankruptcy.

  • Red Lobster Files Bankruptcy

    Bankruptcy Attorney & Law Professor analyzes Red Lobster’s Chapter 11 filing. Get the critical facts on corporate reorganization, debt restructuring, location closings, and what it signals for consumers.

  • Social Security Income & Bankruptcy: Protection, Exclusions, & the Means Test

    Bankruptcy Attorney and Law Professor Prof. Hernandez explains why Social Security income is excluded from the Chapter 7 means test and how it affects your bankruptcy discharge.

  • Facing Foreclosure: Understanding Your Options and How Bankruptcy Can Help

    Facing foreclosure? Explore practical options—from deeds in lieu and loan workouts to how Chapter 7 or Chapter 13 bankruptcy can pause foreclosure and protect your home.

  • Bankruptcy Tips: Handling Omitted Creditors

    Learn what to do if you forget to list a creditor in a Chapter 7 bankruptcy filing.

  • What Happened to Dollar Tree and Family Dollar Store?

    Drastic changes in shopping habits and rising bankruptcies are affecting many businesses nationwide.