Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • 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.

  • Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay

    Don’t lose your car or wages! Learn the critical steps to enforce the Automatic Stay by filing the Notice or Suggestion of Bankruptcy and legally stop all creditor action now.

  • How to File a Proof of Claim in Any Consumer Bankruptcy Case

    A professor’s essential guide on filing Official Form 410 (Proof of Claim). Learn how to secure your consumer deposit and claim priority status under 11 U.S.C. § 507.

  • Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026

    Bankruptcy attorney & law professor explains the debt-to-bankruptcy lag & the record debt that guarantees a surge in bankruptcy filings.

  • Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing

    Don’t risk your discharge! A bankruptcy law attorney and law professors expert details how credit card spending during Black Friday and the holidays can be challenged as fraud by Trustees.

  • American Signature Files for Bankruptcy, Your Order, and My Furniture Industry Forecast

    As a bankruptcy professor, I explain why American Signature filed and your urgent rights. Learn how to file a claim, use credit card chargebacks, and protect your furniture deposit.

  • Buying a Car While in Chapter 13: The Critical Steps Every Debtor Must Know

    Are you in Chapter 13 bankruptcy and need a car loan? Learn the critical steps to get court and Trustee approval. Avoid plan dismissal, high rates, and feasibility objections.

  • The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent

    Professor-verified: Your Chapter 13 plan payment is not fixed. Learn why a raise or job loss could trigger a mandatory payment increase or even force a conversion to Chapter 7 bankruptcy.

  • Schedule I (Income) of the Bankruptcy Petition: Avoid Pitfalls That Force Chapter 13 or Dismissal

    Bankruptcy Attorney & published professor explains the common errors on Schedule I (Income) and Schedule J (Expenses) Chapter 7 bankruptcy.

  • Free FCRA Sample Letters: Dispute Credit Report Errors Yourself (Attorney Approved)

    Stop paying credit repair scams. Download free, attorney-drafted FCRA sample dispute letters you can use today to correct inaccurate items on your credit report and boost your score.

  • Credit Repair Organizations: Why I Call the Industry a Fraud

    A bankruptcy attorney and law professor exposes credit repair fraud. Learn why these companies are ineffective and fail to fix your credit.