Miami Lawyers
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Why the Visa and Mastercard Settlement Is Back in the News
Prof. Hernandez, author of Consumer Bankruptcy Law, breaks down the 2026 Credit Card Competition Act and why the $30B Visa/Mastercard settlement failed.
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Car Loans & Bankruptcy Guide: How to Keep Your Vehicle in 2026
Rising car loan defaults amidst high interest rates and increasing credit card debt prompt bankruptcy considerations.
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Can Personal Loans Be Discharged in Bankruptcy? A Lawyer’s Guide
Can you discharge personal loans in bankruptcy? Professor Hernandez provides a lawyer’s guide to consolidation debt, trustee objections, and filing strategies.
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The Giuliani Bankruptcy: A Case Study in Residency and Domicile
This Rudy Giuliani bankruptcy residency domicile case study examines the strategic issues of choosing bankruptcy exemptions and navigating the 730-day residency rule.
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How Bankruptcy Impacts Lawsuits in Different States
Filing bankruptcy in one state stops lawsuits everywhere. A consumer bankruptcy expert explains the Supremacy Clause and how the automatic stay halts out-of-state car accident cases.
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PSLF in 2026: New Rules & Tax Implications
Is your PSLF at risk? Discover how 2026 tax changes and new OBBBA rules could nullify your public service credits. Learn to protect your forgiveness today.
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Foreclosures are Rising: Don’t Panic, Get Informed
Law professor breaks down the foreclosure process and solutions. Learn how bankruptcy protects your home and financial future.
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Preparing for a Student Loan Bankruptcy Discharge in 2026
Master the 2026 OBBBA student loan consolidation bankruptcy discharge strategy. Secure your legacy status before the July 1 deadline and beat the return of the tax bomb.
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Second Amendment Rights and Bankruptcy: Can You Keep Your Firearms?
Does the Second Amendment protect your guns in bankruptcy court? Learn how state exemptions work and why constitutional rights don’t always equal asset protection.
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Predatory Hospital Billing Tactics: Protecting Your Finances
Professor Alexander Hernandez, J.D., explains the link between predatory hospital billing tactics and medical bankruptcy. Protect your assets from medical debt traps.
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How the 2026 Tariffs Affect Chapter 13 Bankruptcy Plans
Discover why 2026 tariff inflation is causing a spike in Chapter 13 plan failures. Prof. Hernandez analyzes the friction between static court budgets and rising costs.
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Tariff Inflation and the Chapter 7 Bankruptcy Means Test Gap
Analyze how 2026 tariff inflation is breaking the Bankruptcy Means Test. Learn why the IRS data lag creates a “Paper Surplus” that blocks Chapter 7 relief.
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Using Your Tax Refund to Hire a Bankruptcy Attorney: A Strategic Guide
Using your tax refund for bankruptcy attorney fees is a strategic “spend down.” Prof. Hernandez explains how this protects your refund and secures your filing.
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Chapter 13 Bankruptcy, Tax Refunds, and Funding the Plan
Learn how to use your tax refund as a strategic asset in Chapter 13. Prof. Hernandez explains how lump-sum refunds can lower monthly payments and prove plan feasibility.
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Chapter 7 Bankruptcy Timing: Is Your Tax Refund Safe in 2026?
Filing Chapter 7 in 2026? Learn how to protect your tax refund using wildcard exemptions. Expert insights on the Child Tax Credit (CTC) vs. EIC and filing timing.
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Strategic Dismissal: Plan B When Chapter 13 Bankruptcy Conversion Fails
Strategic Dismissal: Negotiating with Creditors Outside of Bankruptcy with Prof. Hernandez. Explore how to pivot from a failed Chapter 13 to private settlements, leveraging lump-sum payments while avoiding the pitfalls of dismissal with prejudice.
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The Chapter 13 Conversion: Motions, Objections, and the Liquidation Test
The conversion from Chapter 13 to Chapter 7 isn’t automatic. Prof. Hernandez explores the Motion to Convert, common Trustee objections, and how to pass the mandatory liquidation test.
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A Chapter 13 Cure and Conversion Strategy for Homeowners
Explore the Chapter 13 cure and conversion strategy with Prof. Hernandez. Learn how this tactical pivot helps homeowners save their property and manage debt.
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The 2026 Consumer Bankruptcy Surge: Navigating the Financial Reset
With January layoffs at 2009 levels and 564,613 consumer filings, 2026 is a turning point. Prof. Hernandez (Routledge author) explains your path to solvency.
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Understanding the Chapters 7, 11, and 13 Bankruptcy Surge in 2026
Prof. Hernandez breaks down the surge in Chapter 7, 11, and 13 bankruptcy filings. See the 2025 year-end data and what it means for the 2026 economy.