Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • 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.

  • 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.

  • 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.

  • The 99 Cents Only Files for Bankruptcy

    The 99 Cents Only company filed for Chapter 11 bankruptcy and plans to close all locations.

  • 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.

  • How Bankruptcy Affects Divorce Proceedings

    Divorce and bankruptcy intersect complexly, impacting financial responsibilities and legal agreements after separation.

  • Your Car and Bankruptcy: Key Insights

    The video explains car implications in Chapter 7 and Chapter 13 bankruptcy, including exemptions.

  • 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.

  • 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.

  • 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

  • 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.