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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Understanding Bankruptcy: Launching the Podcast Journey
Attorney and Law Professor, and author of Consumer Bankruptcy Law, Alex Hernandez launches his new blog and podcast. Learn bankruptcy law from an expert who survived debt—you will, too! 155
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Chapter 7 Mistakes That Can Force Your Case into Chapter 13
Bankruptcy professor warns: The Means Test is not enough. Avoid the 5 costly debtor and attorney mistakes that risk your discharge and lead to Chapter 13 conversion.
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Action Required: Navient Federal Student Loans are Fully Transferring to MOHELA
Navient federal student loans are now fully serviced by MOHELA. Learn the 3 crucial steps to protect your PSLF progress and check your credit report for critical errors.
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What Happens After a Car is Repossessed? The Process to Deficiency Judgment
Don’t assume a car repo ends your liability. Learn the process from repossession to auction, the calculation of the deficiency balance, and how bankruptcy can discharge the resulting judgment.
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Maximize Your Score: Boosting Credit with Strategic Personal Loans and Debt Management
Bankruptcy attorney and law professor reveals the strategy: use personal loans to convert non-reporting debt (like taxes & utilities) into positive credit history and maximize your score.
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The $1.23 Trillion Dollar Credit Card Problem: Time is Ticking for Debtors and Creditors
Why is bankruptcy up? Legal expert Alex Hernandez explains how record $1.23T debt and the COVID-era statute of limitations are driving creditor lawsuits now.
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Understanding the Automatic Stay: Chapter 7 Versus Chapter 13 Bankruptcy
The automatic stay in bankruptcy provides temporary protection, but Chapter 7 may not save your car.
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What You, Bankruptcy, and Cardi B Could Have in Common
Learn from Cardi B’s defamation lawsuit against Tasha K and how the 2004 examination is used to find fraud.
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Divorce Debt: Why a Quitclaim Deed Won’t Save You from Mortgage and Bankruptcy Issues
As a professor & bankruptcy law author, I explain why a quit claim deed during divorce fails to protect you and will ruin your credit.
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The Bankruptcy Trustee, Strategies to Protect Your Tax Refund.
Stop the Bankruptcy Trustee from taking your tax refund. Learn the legal timing strategies you can use in Chapter 7 or 13 bankruptcy.