Monday, August 31, 2026
Latest:

Bankruptcy.Blog

Your #1 Bankruptcy Resource

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.

  • The Architecture of Bankruptcy: Judges, Trustees, and Creditors

    Demystify the bankruptcy court system with Prof. Hernandez. Learn the distinct roles of Article I judges, private trustees, and the U.S. Trustee.

  • The History & Evolution of Bankruptcy Law| Prof. Hernandez

    Trace the history and evolution of bankruptcy law with Prof. Hernandez. Discover how ancient insolvency debts transformed into modern asset protections.

  • The $18.8 Trillion Household Debt Crisis: Why Older Americans Are Struggling Financially

    Rising household debt is hitting seniors hardest. See why older Americans are struggling financially and the legal protections that can safeguard retirement.

  • The Non-Judicial Foreclosure Myth: How to Force Your Lender Into Court

    Think you can’t stop a non‑judicial foreclosure? Bankruptcy attorney & law professor explains how homeowners can save their home with a court injunction.

  • Foreclosures Are Rising: Understanding Your Rights in a Judicial vs. Non‑Judicial State

    Learn your foreclosure rights in judicial and non‑judicial states and how Chapter 13 can stop a foreclosure and protect your home.

  • Idaho Bankruptcy Exemptions: Protecting Your Assets

    Bankruptcy attorney & law professor explains Idaho’s strict bankruptcy exemption laws, residency rules, and how to protect your assets.

  • Reaffirmation Agreements: Why You Can’t Negotiate Your Car Note in Chapter 7

    Understand the risks in reaffirming a car loan in Chapter 7 bankruptcy and why lenders refuse to negotiate the loan terms.

  • Bankruptcy Petition Preparers vs. Attorneys: The Cost of “Cheap” Advice

    A bankruptcy attorney and law professor warns how petition preparers cross legal lines, risk dismissal, and jeopardize your home, wages, and case.

  • The Social Security Number Error: A Costly Mistake in Your Bankruptcy Petition

    Bankruptcy attorney & law professor explains how a wrong Social Security number on a bankruptcy petition can harm an innocent third party and how to fix it fast.

  • Refinancing Your Mortgage in Chapter 13: The Fast Track to a Discharge

    Can you refinance your mortgage in Chapter 13 to get an early discharge? Prof. Hernandez explains the court requirements, the 12-month payment rule, and how to pay off creditors to successfully close your case in 2026.