Monday, August 31, 2026
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Bankruptcy.Blog

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  • Kevin Spacey’s Fall from Grace: Foreclosure Looms

    Kevin Spacey rose to fame with award-winning performances, but now faces financial struggles and legal battles.

  • How to Choose Between Chapter 7 and Chapter 13

    In this podcast, we explore the differences between Chapter 7 and Chapter 13 bankruptcies for struggling individuals.

  • The Impact of COVID-19 on Divorce and Bankruptcy

    This podcast discusses COVID-19 impact on divorces, bankruptcies, housing market, and divorce-related challenges and recommendations.

  • Podcast on Tax Refunds and Bankruptcy

    This podcast discusses the impact of tax refunds on bankruptcy cases, emphasizing state exemptions’ relevance.

  • What to Do When Sued by a Creditor: Essential Tips

    Facing a credit card lawsuit? Get informed on pre-lawsuit negotiations, lawsuit process, responding, mediation, and tips.

  • How to File a Suggestion of Bankruptcy Effectively to Stop Creditors

    Learn how to file the Suggestion of Bankruptcy in state court to stop wage garnishments, bank levies, and all creditor actions immediately after filing Chapter 7 or 13.

  • Impact of Student Debt on Older Americans: A New Study

    The podcast discusses Republican-led states opposing student loan forgiveness and the financial impact of student debt.

  • Impact of Student Loan Debt on Older Americans

    The student loan debt crisis impacts older adults, with over 2.2 million aged 55+ struggling financially. States’ opposition lacks merit.

  • The Silver Tsunami of Student Loan Debt

    Student loan debt is becoming a crisis for older Americans. Explore how 2026 policy changes, garnishments, and state incentives impact financial security

  • Golf and Bankruptcy: Are Your Greens Fees a “Red Flag” to the Trustee?

    Is your golf hobby a “red flag” for your bankruptcy trustee? Prof. Hernandez explains how greens fees and club memberships impact Chapter 7 and 13 filings.

  • 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.