Monday, August 31, 2026
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Bankruptcy.Blog

Your #1 Bankruptcy Resource

Miami Lawyers

  • Luxury Expenses in Bankruptcy. Like Golf?

    Liam’s bankruptcy case raises issues about golf expenses and unsecured debts during his filing.

  • Strategic Debt Relief: How Personal Loans Can Help

    Personal loans can relieve debt, improve credit, and settle creditor lawsuits, despite credit challenges.

  • Understanding Non-Dischargeable Debts: Why Bankruptcy Isn’t a “Get Out of Jail Free” Card

    Can criminal fraud debt be discharged? Professor Alexander Hernandez, J.D., explains Section 523(a) and non-dischargeable debt using the G-Herbo case example.

  • The Adversary Process and the Fall of Rudy Giuliani’s Chapter 11 Bankruptcy

    Professor Alexander Hernandez, J.D., analyzes Rudy Giuliani’s Chapter 11 dismissal and the adversary process behind the $148M defamation judgment.

  • Facing a Credit Card Lawsuit? A Law Professor’s Guide to the Process

    When sued, know response due date. Sending a letter to judge is not a proper legal response.

  • The Confusion with Mortgage Liens and Bankruptcy

    Confused by how Chapter 7 or 13 affects your home? A bankruptcy professor explains why mortgage liens survive discharge and how to avoid costly foreclosure traps.

  • Decoding Chapter 7: Exemptions, Means Testing, and the Disposable Income Trap

    Chapter 7 bankruptcy involves liquidation, exemptions, means testing, and disposable income for debtors.

  • Quick Guide to the Basics: Liquidation, Exemptions, and The Means Test

    The blog explores Chapter 7 and Chapter 13 bankruptcies, focusing on exemptions and means testing.

  • Understanding Trustee Scrutiny in Bankruptcy

    Luxury expenses can jeopardize bankruptcy cases due to trustee scrutiny and disclosure requirements.

  • Welcome to Bankruptcy.blog: Navigating Your Path to Financial Relief

    Learn about Chapter 7 and 13 bankruptcy from Professor Alex Hernandez, author of “Consumer Bankruptcy Law” (Routledge). Get expert insights on student loans, mortgages, and filing resources for debtors and paralegals.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.