Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • Understanding Bankruptcy: Launching the Podcast Journey

    Attorney and Law Professor, and author of Consumer Bankruptcy Law, Alex Hernandez launches his new blog and podcast. Learn bankruptcy law from an expert who survived debt—you will, too! 155

  • Chapter 7 Mistakes That Can Force Your Case into Chapter 13

    Bankruptcy professor warns: The Means Test is not enough. Avoid the 5 costly debtor and attorney mistakes that risk your discharge and lead to Chapter 13 conversion.

  • Action Required: Navient Federal Student Loans are Fully Transferring to MOHELA

    Navient federal student loans are now fully serviced by MOHELA. Learn the 3 crucial steps to protect your PSLF progress and check your credit report for critical errors.

  • What Happens After a Car is Repossessed? The Process to Deficiency Judgment

    Don’t assume a car repo ends your liability. Learn the process from repossession to auction, the calculation of the deficiency balance, and how bankruptcy can discharge the resulting judgment.

  • Maximize Your Score: Boosting Credit with Strategic Personal Loans and Debt Management

    Bankruptcy attorney and law professor reveals the strategy: use personal loans to convert non-reporting debt (like taxes & utilities) into positive credit history and maximize your score.

  • The $1.23 Trillion Dollar Credit Card Problem: Time is Ticking for Debtors and Creditors

    Why is bankruptcy up? Legal expert Alex Hernandez explains how record $1.23T debt and the COVID-era statute of limitations are driving creditor lawsuits now.

  • Understanding the Automatic Stay: Chapter 7 Versus Chapter 13 Bankruptcy

    The automatic stay in bankruptcy provides temporary protection, but Chapter 7 may not save your car.

  • What You, Bankruptcy, and Cardi B Could Have in Common

    Learn from Cardi B’s defamation lawsuit against Tasha K and how the 2004 examination is used to find fraud.

  • Divorce Debt: Why a Quitclaim Deed Won’t Save You from Mortgage and Bankruptcy Issues

    As a professor & bankruptcy law author, I explain why a quit claim deed during divorce fails to protect you and will ruin your credit.

  • The Bankruptcy Trustee, Strategies to Protect Your Tax Refund.

    Stop the Bankruptcy Trustee from taking your tax refund. Learn the legal timing strategies you can use in Chapter 7 or 13 bankruptcy.

  • Racism and Trump’s Recent Executive Orders

    The discussion addresses racism related to Trump’s policies, including deportations and preferential immigration for whites.

  • Understanding the Impact of Toxicity in Federal Jobs

    Many federal employees suffer in toxic work environments, affecting morale and job stability nationwide.

  • How Federal Deregulation and Overhauls Impact Your Household Finances

    Discover how federal deregulation, institutional budget cuts, and economic policy shifts impact household budgets, drive up debt, and increase bankruptcy risk.

  • Your Personal Data with the Treasury Department is at Risk

    Doogie Howser types now control the Treasury, raising concerns about experience and personal data security.

  • Political Instability and the Financial Snowball Effect: A 2026 Analysis

    How does political chaos drive financial instability? Prof. Hernandez analyzes the “snowball effect” of DOGE, TPS rescission, and tariffs on your personal debt.

  • The Chaos Tax: Political Instability and Your Bottom Line

    Prof. Hernandez analyzes the 2026 “Chaos Tax,” from 25% Canada tariffs to the Iran War’s impact on gas prices. Discover why political instability is driving a 44% housing inventory surplus and surging bankruptcies. Learn how to shield your finances today.

  • Expert Analysis: How Trump’s Union and Tariff Actions Fuel Bankruptcy

    Professor Alex discusses unions, personal finance, and political chaos affecting financial stability in Morning Coffee.

  • The Chapter 7 Liquidation Test: Why Your Non-Exempt Assets Require Chapter 13 Plan

    The liquidation test determines creditors’ payments under Chapter 13 compared to hypothetical Chapter 7 liquidation.

  • How Politics Affects Your Pocket: What the “Colombia Crisis” Taught Us for 2026

    Prof. Hernandez analyzes the 2026 “Expenses Snowball.” Learn how Section 122 tariffs and new OBBB student loan repayment plans are squeezing household budgets.

  • Impact of a President Trump Economy on Your Finances

    Prof. Hernandez analyzes the March 2026 financial “perfect storm”: 34.5% lumber tariffs, the Iran war fuel spike, and the “At-Will” employment trap. Learn why foreclosures are rising and how the DEI rollback creates new household debt.