Miami Lawyers
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Personal Loans and Credit Cards: Dividing Marital Debt in a Divorce
A divorce attorney and law professor explains how marital debt is divided, and why debt in one spouse’s name may still be shared in divorce.
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Missing Creditors in Bankruptcy Petition? Here’s What You Can Do
Forgot to list a creditor in your Chapter 7 bankruptcy? Take these steps to protect yourself and keep the automatic stay in place.
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Strategic Foreclosure Delay: Using Bankruptcy to Secure a Successful Home Sale
Authored by a published law professor. This guide details how to use bankruptcy to secure a crucial delay and successfully sell your home before foreclosure.
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Bankruptcy & Car Loans: Reaffirmation and Co-Signer Risk
Debtors facing bankruptcy must decide whether to keep or surrender their car and understand co-borrower and co-signer liabilities.
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Understanding Domestic Support Obligations in Bankruptcy: A Professor’s Guide
Domestic support obligations, like alimony and child support, are not dischargeable in bankruptcy. They have priority.
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Understanding Bankruptcy: Effect of Joint Car Ownership in Chapter 7 and Chapter 13
Hailey’s joint ownership of her boyfriend’s car in Georgia complicates her options for bankruptcy filing.
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Rite Aid Locations Closing in California Due to Bankruptcy- What You Need to Know
Rite Aid bankruptcy spurs closures in California. Bankruptcies surged in 2023; expect more filings in 2024.
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$5 Billion More in Student Loan Debt Relief for 74,000 Borrowers
The Biden administration cancels $5 billion in student loans for 74,000 borrowers, including teachers, nurses, and firefighters.
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LLC Bankruptcy: A Professor’s Take on Why Limited Liability Doesn’t Always Protect You
Even with an LLC, filing for business bankruptcy may require personal bankruptcy. Chapter 7 or 11 is possible.
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How Bankruptcy Influences Divorce Settlements
Bankruptcy can complicate divorces, affecting debt responsibility and credit reports. Federal law trumps state law.
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The 2026 Financial Squeeze: Navigating the Trump Economy
In March 2026, the “Trump Tax” is a reality. Prof. Hernandez analyzes the 10% Section 122 tariffs, the Supreme Court’s IEEPA ruling, and how the “Snowball Effect” of labor shifts and municipal budget gaps is shrinking your household purchasing power.
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Prof. Hernandez: A Guide to California Bankruptcy Exemptions (2026 Update)
Protect your assets with expert insights from Prof. Hernandez, author of Consumer Bankruptcy Law. Compare California 703 vs. 704 exemption limits for 2026.
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Facing Ghost Jobs, AI Resume Gatekeepers, and Job Hugging
Is the job market a fraud? Prof. Hernandez analyzes the massive 2026 job report revisions, the 20% ghost job epidemic, and how AI resume bots have broken the system. Learn why job-hugging is the new survival strategy in this failing economy.
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Liberal Preppers: Preparing for Financial Uncertainty
Prof. Hernandez analyzes the rise of “liberal preppers” and the 2026 chaos economy. Learn how to navigate Trump tariffs, 76% bankruptcy surges, and debt hardening.
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The Time Factor in Becoming Debt-Free: A Deep Dive with Prof. Hernandez
How long does bankruptcy take? Prof. Hernandez outlines the standard timelines for Chapter 7 and Chapter 13 to help you plan your path to becoming debt-free.
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The Cost of Defiance: Giuliani, Contempt, and the “Average Debtor” Reality Check
Rudy Giuliani faces contempt of court for non-compliance in a defamation lawsuit worth $148 million.
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Trust Yourself: A New Perspective on Your Debt-Free Journey | Prof. Hernandez
Stop viewing debt as a moral failing. Prof. Hernandez explains why bankruptcy isn’t “sinister” and how trusting yourself is the key to financial recovery.
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Illinois Smart Buy: Student Loan Relief for Homebuyers | Prof. Hernandez
Illinois’ Smart Buy Program helps eliminate student loan debt and assists with home purchases.
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SB 1061 Update: Is Medical Debt Still on Your California Credit Report?
California’s SB1061 law removes medical debt from credit reports, addressing a significant financial issue.
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The Economic Reality of Tariffs: Bankruptcy Filings Surge in 2026
A bankruptcy attorney and law professor explains how rising tariffs are contributing to a new bankruptcy surge and what the economic fallout means for consumers.