Miami Lawyers
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How to Avoid a Bank Account Freeze: A Professor’s Legal Guide
Professor Alexander Hernandez, J.D., shares essential legal strategies to prevent a bank account freeze. Learn how to protect your income and navigate creditor lawsuits.
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Bankruptcy Filings Rise: Trends & Predictions
Bankruptcy filings increased 16.8% in 2023, with a prediction of ongoing growth through 2025.
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FTC Issues $4.1 Million in Refunds: What Student Loan Refund for Scam Victims
Professor Alexander Hernandez, J.D., explains how to claim your share of the $4.1M FTC student loan refund. Get the facts on Mission Hills Federal and other scams.
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What Drea de Matteo’s Story Teaches Us Foreclosure Defense
Professor Alexander Hernandez, J.D., analyzes the Drea de Matteo foreclosure. Discover key foreclosure defense strategies, from side hustles to Chapter 13 bankruptcy.
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Chapter 13 Bankruptcy: Lien Stripping Explained
This podcast clarifies misconceptions about mortgages, bankruptcy, and the implications of Chapter 13.
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Chapter 11 Bankruptcies Soar: Analyzing the 2026 Surge
Chapter 11 filings surged 72% in 2025. Professor Alexander Hernandez, author of Consumer Bankruptcy Law, analyzes the 2026 debt storm and retail’s digital shift.
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Biden Caps Credit Card Late Fees to $8: Impact on Consumers
President Biden’s new rule caps credit card late fees at $8, saving consumers billions annually.
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The Post-Pandemic Debt Storm: Why Bankruptcy Filings Hit a 15-Year High
As corporate & consumer bankruptcies surge in 2025, Professor Hernandez breaks down why record debt, high interest rates, and the end of forbearance are accelerating Chapter 11 and Chapter 7 filings.
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What Does It Mean to Be “Judgment-Proof”?
Are you judgment-proof? Discover which assets are exempt from creditors, how to handle a lawsuit, and the #1 mistake that puts your protected income at risk.
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Filing for Bankruptcy After a Car Accident Lawsuit
A damaged red car with significant dents and missing parts, lying in a green grassy field beside a road, with rolling hills in the background.
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Foreclosure Rise Continues: Chapter 13 Bankruptcy Saves Homes
The ATTOM report shows rising foreclosures. See the critical difference: Chapter 7 buys time; only Chapter 13 saves your home by curing the debt.
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The Tariff Tax: The “Largest U.S. Tax Hike” in 30 Years as Bankruptcies Surge
Bankruptcy Attorney and Law Professor’s analysis: The tariffs are the ‘largest tax hike’ in 30 years. Learn why regressive tariffs are driving up consumer debt and Chapter 7 filings.
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The Chapter 13 Bankruptcy Hardship Discharge
Learn the strict legal requirements for the Chapter 13 bankruptcy hardship discharge (11 U.S.C. § 1328(b)). See what qualifies as unavoidable circumstances and permanent disability.
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The Tariff Hoax: The Farmer Bailouts to Avoid Bankruptcy
Expert analysis of why farm bailouts failed to prevent Chapter 12 filings. See how the tariff hoax and loss of foreign aid markets crippled farmers.
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The Post-Bankruptcy Credit Surge: Rebuild Your Credit
A bankruptcy discharge is a clean slate. Learn the post-bankruptcy credit surge strategy, including the Secured Credit Card and Credit-Builder Loan tactics.
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The Rule 2004 Examination: The Broadest Discovery Tool in Bankruptcy
The Rule 2004 Examination is the “fishing expedition” used by Trustees to investigate assets, transfers, and grounds for discharge denial. Understand its broad scope and limitations.
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Spotting the Critical Issues in Bankruptcy Schedule J (Expenses)
Avoid costly mistakes on Schedule J. Learn how Trustees scrutinize expenses, handle joint filings, and calculate disposable income to prevent Chapter 7 conversion or case dismissal.
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The Perfect Financial Storm is Here
Travel bans, AI job losses, and tariff policy are creating a ‘perfect storm.’ Learn how record household debt is driving U.S. foreclosures and bankruptcy filings among businesses and consumers.
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Navigating a Creditor Lawsuit: The Strategic Use of Filing an Answer Before Bankruptcy
Don’t default! Learn the strategic reason to file an Answer to a creditor lawsuit: buying essential time for saving or qualifying to file for bankruptcy.
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Advanced Bankruptcy Strategy: Using Chapter 13 to Save Your Home, Then Converting to Chapter 7
Learn how the Chapter 13 to Chapter 7 conversion strategy allows debtors to cure mortgage arrears, save their home from foreclosure, and discharge unsecured debt.