Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • Navigating Attorney Fees, Credit Card Usage, and Bankruptcy Trustee Scrutiny

    Can you pay a bankruptcy lawyer with a credit card? Bankruptcy attorney & law professor explains attorney fees and payment plans.

  • Rising Student Loan Debt: Impact on Borrowers and Society

    Student loan debt continues to surge, with over 2.4 million borrowers holding balances of $100,000-$200,000 in Q2 2024.

  • Is Avon Going Out of Business?

    Cosmetics giant Avon files for Chapter 11 bankruptcy amid talcum powder lawsuits and over $1 billion debt.

  • Building Financial Stability Through Debt Reduction and Consistent Savings

    Discover professional strategies for long‑term financial stability. Learn how to move beyond basic debt reduction to build a sustainable, secure financial future.

  • Chapter 13 Confirmation Hearings: Process, Objections, and Judicial Approval

    Bankruptcy Attorney and Law Professor Prof. Hernandez explains the Chapter 13 confirmation hearing, the liquidation test, and how to handle trustee objections to secure your payment plan.

  • Divorce Debt: Loans vs. Bankruptcy | Prof. Hernandez

    A law professor and divorce attorney breaks down the pros and cons of using a personal loan to finance your divorce case.

  • The Strategic Power of Chapter 13: Navigating the Auto Debt “Cramdown”

    Chapter 13 bankruptcy helps catch up on car loan payments to prevent repossession and may reduce loan balance.

  • How to Stop Foreclosure: The Expert Guide to the Automatic Stay

    Bankruptcy Attorney & Law Professor explains how to stop foreclosure and save your home. with the automatic stay.

  • Stopping Foreclosure: The Critical Steps When Filing for Bankruptcy Without a Lawyer (Pro Se)

    Don’t lose your home! Learn the critical difference between Chapter 7 & 13 and the steps for Pro Se filers to stop a foreclosure sale by immediately filing the Suggestion of Bankruptcy.

  • Financial Distress and the Bankruptcy Option: A Case Study on Kevin Spacey

    Kevin Spacey faces legal and financial struggles, including foreclosure and potential bankruptcy due to lawsuits.

  • The 910-Day Rule: Explaining The Cramdown on Car Loans

    Can you reduce your car loan balance in Chapter 13? Learn how the 910-Day Rule and “hanging paragraph” affect your vehicle cramdown. Prof. Hernandez explains how to save on interest, the PMSI loophole, and why lenders prefer payments over repossession.

  • Cramdown vs. Lien Stripping: What’s the Difference in Chapter 13 Bankruptcy?

    Learn the key differences between a Chapter 13 cramdown and lien stripping. Find out how to reduce car payments or eliminate second mortgages in bankruptcy.

  • How to Reduce Your Car Loan Balance Using a Bankruptcy Cramdown

    Is your car loan underwater? Discover how the Chapter 13 cramdown process can “shave” your debt down to the vehicle’s actual value and lower your interest rate. — Prof. Hernandez

  • Robbing Your Future: The Hidden Risks of Using a 401(k) to Buy a House

    Should you use your retirement plan to buy a house in 2026? Prof. Hernandez breaks down the math behind the Home Savings Act and shares a personal lesson from the Great Recession on why your 401(k) is safer than home equity.

  • Record 401(k) Hardship Withdrawals are a Leading Economic Indicator for 2026

    Prof. Hernandez analyzes the record 6% surge in 401(k) hardship withdrawals reported by Fox Business. Discover why this “last resort” move is a leading indicator for the 2026 bankruptcy filing lag.

  • Discharging Your IRS Tax Debt With Bankruptcy: The 3-2-240 Rule for 2026

    Prof. Hernandez explains how to discharge tax debt in 2026 using the 3-2-240 rule. Learn how to navigate IRS priority claims and tax refunds on Bankruptcy.blog

  • Why Chapter 13 is the Ultimate IRS Tax Debt “Restructuring” Tool

    Stop the interest bleed in 2026. Prof. Hernandez explains how Chapter 13 bankruptcy freezes IRS penalties, utilizes the Till Rate for secured liens, and restructures tax debt more effectively than a standard installment agreement. Learn how to pay back priority tax at 0% interest and secure your fresh start.

  • Prof. Hernandez: Using Tax Installment Agreements to Qualify for Chapter 7

    Can’t pass the Means Test? Prof. Hernandez explains how IRS tax payments can legally reduce disposable income on Schedule J to help you qualify for Chapter 7.

  • Small Business Tariff Inflation and Chapter 7 Bankruptcy in 2026. The Quiet Crisis

    Is tariff inflation pushing your small business toward Chapter 7? Prof. Hernandez explains how to bypass the Means Test using the non-consumer debt loophole and navigate personal liability in the 2026 bankruptcy surge.