Miami Lawyers
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Beyond the Cease & Desist: A Tactical Guide to Handling Debt Collection in 2026
Debt collection in 2026 is more aggressive than ever. Learn how to log violations, challenge the evidence, and use state-level protections to build a successful debt defense.
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Discharging Personal Loans to Friends and Family in Bankruptcy
Bankruptcy Attorney explains how personal loans to friends & family are unsecured in bankruptcy & how trustees claw back recent repayments.
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Understanding Bankruptcy Attorney Fees: Transparency and Retainer Agreements
Prof. Hernandez: Your expert guide to bankruptcy attorney fees and costs. Learn the truth about retainer agreements and avoid fee discrepancies. Read more.
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The 99 Cents Only Files for Bankruptcy
The 99 Cents Only company filed for Chapter 11 bankruptcy and plans to close all locations.
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Understanding Bankruptcy’s Role in Divorce Outcomes: A Legal Summary
A bankruptcy law expert explains how joint debt works in a divorce and bankruptcy case. Learn why federal law trumps hold harmless clauses.
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How Bankruptcy Affects Divorce Proceedings
Divorce and bankruptcy intersect complexly, impacting financial responsibilities and legal agreements after separation.
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Your Car and Bankruptcy: Key Insights
The video explains car implications in Chapter 7 and Chapter 13 bankruptcy, including exemptions.
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The Hidden Risk of an Underwater Mortgage: Realities, Data, and Recovery Options
Learn your real options when your mortgage is underwater. Explore short sales, deeds in lieu, accidental landlord strategies, and Chapter 13 lien stripping to reduce debt and protect your home.
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Predatory Student Loans and the Legacy of Relief in the OBBBA Era
Law Professor explains predatory student loans & how the Big Beautiful Bill changes eligibility for relief for defrauded borrowers.
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The Critical Role of the Bankruptcy Consultation
Bankruptcy consultation questions every lawyer should ask. Understand timing, disclosures, and red flags that can make or break your case
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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.
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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.
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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.
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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).
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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.
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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.
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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.
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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.
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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.
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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.