Monday, August 31, 2026
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Bankruptcy.Blog

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Miami Lawyers

  • Car Loans and Bankruptcy: How to Keep Your Car

    Filing for bankruptcy? Keep your car but understand car loans, equity, and reaffirmation agreements for cosigners.

  • How I Used a Personal Loan to Improve My Credit Score

    Struggling with credit after foreclosure, I used personal loans to rebuild and improve my credit score.

  • Managing Medical Debt: Bankruptcy vs. Consolidation (Insights from a Law Professor)

    Craig from Naples, Florida inquires about the best option for his wife: debt consolidation or bankruptcy. Considering her ongoing medical treatments and substantial medical bills, bankruptcy may be the more suitable choice. Bankruptcy eligibility, dischargeable debts, and individual circumstances should be evaluated with the assistance of a local attorney for personalized advice.

  • Does Filing for Bankruptcy Wipe Out My Mortgage

    Bankruptcy and mortgages are complex. Chapter 13 lien stripping can reduce a second mortgage, but secured debt isn’t discharged. Get expert legal help.

  • Avoid the Pitfalls of Balance Transfers

    Balance transfers can reduce debt faster and save money, but read the fine print carefully.

  • Business Bankruptcies Up 72%: Professor Explains the Crisis

    Business and consumer bankruptcies are rising post-COVID, with significant increases in Chapter 11 filings.

  • Crucial Update: Navigating the SAVE Plan for Student Loan Forgiveness in Late 2025

    New student loan forgiveness updates announced, including the Saving on a Valuable Education Plan.

  • Understanding Nondischargeable Debts in Bankruptcy

    Bankruptcy doesn’t eliminate all debts; criminal fraud, back taxes, and domestic support obligations are non-dischargeable.

  • Understanding Chapter 7 Bankruptcy and Exemptions

    Chapter 7 bankruptcy offers debt relief through exemptions and a means test, protecting assets from liquidation.

  • A Fresh Start: The Mission of Bankruptcy.blog

    Learn the mission behind Bankruptcy.blog, a national attorney‑authored platform providing clear, accessible bankruptcy education.

  • The 910-Day Rule: Explaining The Cramdown on Car Loans

    Can you reduce your car loan balance in Chapter 13? Learn how the 910-Day Rule and “hanging paragraph” affect your vehicle cramdown. Prof. Hernandez explains how to save on interest, the PMSI loophole, and why lenders prefer payments over repossession.

  • Cramdown vs. Lien Stripping: What’s the Difference in Chapter 13 Bankruptcy?

    Learn the key differences between a Chapter 13 cramdown and lien stripping. Find out how to reduce car payments or eliminate second mortgages in bankruptcy.

  • How to Reduce Your Car Loan Balance Using a Bankruptcy Cramdown

    Is your car loan underwater? Discover how the Chapter 13 cramdown process can “shave” your debt down to the vehicle’s actual value and lower your interest rate. — Prof. Hernandez

  • Robbing Your Future: The Hidden Risks of Using a 401(k) to Buy a House

    Should you use your retirement plan to buy a house in 2026? Prof. Hernandez breaks down the math behind the Home Savings Act and shares a personal lesson from the Great Recession on why your 401(k) is safer than home equity.

  • Record 401(k) Hardship Withdrawals are a Leading Economic Indicator for 2026

    Prof. Hernandez analyzes the record 6% surge in 401(k) hardship withdrawals reported by Fox Business. Discover why this “last resort” move is a leading indicator for the 2026 bankruptcy filing lag.

  • Discharging Your IRS Tax Debt With Bankruptcy: The 3-2-240 Rule for 2026

    Prof. Hernandez explains how to discharge tax debt in 2026 using the 3-2-240 rule. Learn how to navigate IRS priority claims and tax refunds on Bankruptcy.blog

  • Why Chapter 13 is the Ultimate IRS Tax Debt “Restructuring” Tool

    Stop the interest bleed in 2026. Prof. Hernandez explains how Chapter 13 bankruptcy freezes IRS penalties, utilizes the Till Rate for secured liens, and restructures tax debt more effectively than a standard installment agreement. Learn how to pay back priority tax at 0% interest and secure your fresh start.

  • Prof. Hernandez: Using Tax Installment Agreements to Qualify for Chapter 7

    Can’t pass the Means Test? Prof. Hernandez explains how IRS tax payments can legally reduce disposable income on Schedule J to help you qualify for Chapter 7.

  • Small Business Tariff Inflation and Chapter 7 Bankruptcy in 2026. The Quiet Crisis

    Is tariff inflation pushing your small business toward Chapter 7? Prof. Hernandez explains how to bypass the Means Test using the non-consumer debt loophole and navigate personal liability in the 2026 bankruptcy surge.