Miami Lawyers
-
Understanding Marital Debt and Asset Division in Divorce
Personal loans and credit card debt in divorce depend on equitable distribution, not ownership.
-
Express Stores in Bankruptcy
Express Stores has filed for Chapter 11 bankruptcy, planning to close nearly 100 locations.
-
Are Cosigners Responsible for a Personal Loan?
What are The responsibilities of cosigners on a personal loan and its impact?
-
Rudy Giuliani’s Chapter 11 Bankruptcy Explained
Rudy Giuliani faces bankruptcy due to a $148 million lawsuit and battles with creditors over allegations.
-
Understanding Alex Jones’ Bankruptcy Conversion Strategy
Alex Jones is converting his bankruptcy from Chapter 11 to Chapter 7 after a judgment.
-
Can Bankruptcy Stop a Car Repossession? A Clear Guide for Borrowers
Bankruptcy Attorney & Law Professor Hernandez explains how to stop a car repossession. Learn how Chapter 13 can save your vehicle and how Chapter 7 wipes out deficiency debt as repossessions rise in 2026.
-
Chapter 7 vs Chapter 13 Bankruptcy: Car Loan Solutions
Mandy and Rick faced car loan issues after filing Chapter 7 bankruptcy, leading to Chapter 13 considerations.
-
Missing a Creditor in Bankruptcy? What to Do
If you missed a creditor in your Chapter 7 bankruptcy, you can still address the issue.
-
Rising Mortgage Rates, Divorce, and Bankruptcy
Rising mortgage rates are straining divorce settlements, reducing borrowing power, and increasing long‑term bankruptcy risk—especially when quitclaim deeds leave spouses exposed.
-
Protecting Retirement Assets: A Bankruptcy Law Professor’s Analysis of §522 Exemptions for IRAs and 401(k)s
Law Professor: Understand the §522 IRA 401(k) protections in bankruptcy. Protect your retirement from the bankruptcy trustee.
-
The Accidental Landlord: How Renting Your House Forfeits Bankruptcy Protection
Learn how renting your home forfeits your homestead exemption in bankruptcy and why “accidental landlords” risk losing their property when filing Chapter 7 or Chapter 13 in 2026.
-
Gambling with a HELOC to Pay Record Credit Card Debt in 2026
Bankruptcy Attorney & Law Professor Hernandez analyzes why using a HELOC to pay off record-high credit card debt in 2026 is a risky “equity stripping” move compared to bankruptcy.
-
Mortgage Defaults Rising: An Escrow Shock Analysis of the 2026 Foreclosure Surge
Mortgage defaults are rising as Escrow Shock drives a 2026 foreclosure surge. Protect yourself with Chapter 13 and remove second mortgages.
-
Understanding the Bankruptcy Rescission Period with Reaffirmation Agreements
Buyer’s remorse? Prof. Hernandez explains how to cancel a reaffirmation agreement within the 60-day rescission period under 11 U.S.C. 524(c).
-
Reaffirmation Agreements: Why “Vulture Creditors” Want Your Signature
Are “vulture creditors” pressuring you to sign a reaffirmation agreement on furniture or electronics? Prof. Hernandez exposes their high-pressure tactics, the “silverware” bluff, and how to protect your bankruptcy fresh start from unnecessary personal liability.
-
Do I Have to Go to Court for a Reaffirmation Agreement?
Bankruptcy Attorney & Law Professor explains when a court appearance is required for a reaffirmation agreement.
-
The Bankruptcy Contradiction: Why Filing Can Raise Your Credit Score
Can filing for bankruptcy actually improve your credit? Prof. Hernandez explains the 2026 “Credit Reset” paradox, DTI benefits, and reaffirmation strategies.
-
The Zombie Store Card: Why Retail Closures are a Hidden Credit Score Landmine
Bankruptcy attorney and law professor explains how retail store closures in 2026 can trigger sudden credit score drops. Learn how “zombie” store cards raise utilization and hurt your FICO.
-
Why Your “Common Sense” is Killing Your Credit Score
Bankruptcy Attorney & Law Professor explains how to improve your credit score while protecting your cash instead of giving large deposits.
-
Official Form 108: Understanding the Statement of Intention
Prof. Hernandez explains Official Form 108. Learn the difference between surrendering, reaffirming, & redeeming assets in a Chapter 7 filing.