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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Maximize Savings with Chapter 13 Cramdown | Bankruptcy Blog
Chapter 13 bankruptcy offers benefits such as protecting nonexempt assets and allowing for a cramdown on car loans.
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Can You Pay Bankruptcy Attorney with Credit Cards?
Can you pay your bankruptcy lawyer with a credit card? A bankruptcy attorney & law professor explains why this is a red flag for the Trustee.
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Financing the End: Should You Use a Personal Loan for Your Divorce?
Can you use a personal loan to pay for a divorce lawyer? Prof. Hernandez explains the risks of financing contested vs. uncontested cases and the link to bankruptcy.
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Why Good People Get Bad Credit: An Economic Reality
Rebuild your credit after financial hardship with step‑by‑step strategies for improving scores, lowering debt, and restoring financial confidence.
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Stopping Foreclosure: Can Chapter 13 Save Your Home at the Last Minute?
Is your foreclosure sale only days away? Prof. Hernandez explains how the Automatic Stay and “bare-bones” Chapter 13 filings provide a last-minute lifeline to save your home and catch up on missed payments.
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Medical Debt and the Strategic Path to Financial Recovery
Learn when to file bankruptcy for medical debt. Understand treatment timing, billing traps, and strategic steps to maximize debt relief.
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Will Red Lobster Survive? What Their Chapter 11 Teaches Us About Bankruptcy
Red Lobster survived its Chapter 11 bankruptcy. Discover the legal strategies that saved the brand as you prepare for 2026.
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VA Foreclosure Relief in 2026: What Homeowners Need to Know After VASP Ends
VASP is gone, and no replacement program exists yet. Learn the real VA mortgage assistance options in 2026, including modifications, timelines, and Chapter 13 relief.
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Find Out Which States Oppose Student Loan Forgiveness
Prof. Hernandez analyzes the Republican-led lawsuits blocking student loan relief. Learn how states used MOHELA’s revenue to establish standing and what the shift toward aggressive collections means for borrowers in 2026.
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What to Expect at Your 341 Meeting: A Law Professor’s Guide
Learn what to expect at your 341 meeting from Prof. Hernandez. A guide to the Chapter 7 Trustee’s questions, 2026 remote hearing rules, and your path to solvency.