Miami Lawyers
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How the National Debt is Forcing Consumers into Debt and Bankruptcy
How the national debt raises borrowing costs, shrinks household budgets, and pushes families toward Chapter 7 or Chapter 13 bankruptcy.
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Avoidance, Abandonment, and the Scope of Bankruptcy Trustee Powers
Learn the Chapter 7 trustee’s powers: understand the one-year insider look-back, post-petition freezes, and statutory abandonment.
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Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?
Worried about your vehicle? Learn how Chapter 7 exemptions protect your car loan, how a trustee buy-back works, and the real financial risks of reaffirming.
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Bankruptcy Code Structure: The Different Chapters Explained | Prof. Hernandez
Learn about the U.S. Bankruptcy Code structure from Chapter 7 to Chapter 13. Featured in Consumer Bankruptcy Law by Prof. Hernandez.
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Can You Go to Jail for Debt? The Reality of Debtors’ Prisons
Debunk the debtors’ prison myth. Learn how aggressive creditors exploit state-court contempt loops to trigger civil arrest warrants, and how to stop them.
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Why You Should Never File for Bankruptcy on Payday
Filing bankruptcy on payday is a costly mistake. Learn how the snapshot rule under 11 U.S.C. §541 can trap your paycheck and trigger avoidable financial loss.
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Why Chapter 7 Liquidations Are Outpacing Chapter 13 Cases
Chapter 7 filings are growing at triple the rate of Chapter 13. Learn how escrow shock and the $18.8T household‑debt crisis are driving a wave of liquidations.
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The Hidden Risk of Passive Business Ownership in Consumer Bankruptcy
Does bankruptcy put a relative’s business at risk if your name is on the paperwork? Bankruptcy attorney & law professor Prof. Hernandez analyzes passive equity.
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The Statutory Distribution of Debt in Bankruptcy
A clear guide to how bankruptcy distributes debt, from priority claims to Chapter 13 feasibility and the liquidation test that protects unsecured creditors.
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The Redfin Delisting Surge: The “Buying Time” Strategy
Redfin data shows a surge in delistings as homeowners try to “buy time.” This article explains the risks of becoming an accidental landlord in a tightening economy.
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Debt Reduction Made Simple: Strategies for Managing Credit Card Debt
Start saving money now! Get practical steps for debt reduction, including when to use balance transfers and how to choose the right option.
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Where to File for Bankruptcy: Understanding Residency Requirements
Don’t risk your property. This expert guide breaks down the 180-day filing rule and the crucial 730-day residency requirements that dictate your state exemptions.
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Understanding Legal Steps Before Bankruptcy: Avoiding Common Pitfalls
Authored by a published Bankruptcy Professor. Learn the essential legal steps to manage active creditor lawsuits before filing Chapter 7 or 13. Stop wage garnishment and properly file the Suggestion of Bankruptcy to protect your assets.
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The Critical Role of Credit Report Accuracy and Identity Theft Protection
Defend your rights under federal law. A bankruptcy attorney and law professor provides an authoritative FCRA credit report dispute guide to protect your file.
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How to Handle Contracts and Creditors After a Disaster: A Legal Guide
A legal guide to the Act of God clause. Learn how disasters affect contracts, service agreements, and creditor demands—and how to protect your rights.
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Understanding the 341 Meeting: What Creditors and Debtors Need to Know
Understand creditor rights at the 341 meeting, how proofs of claim work, and what happens when you become an accidental creditor in bankruptcy.
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Sued by a Creditor? Why the Automatic Stay Isn’t Always Enough
Sued by a creditor? Learn the best bankruptcy strategies, defenses, and civil court procedures to stop collection lawsuits and protect your assets.
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FEMA vs. SBA Disaster Aid: Separating Grants from Loans for Financial Recovery
An attorney and law professor and disaster survivor breaks down the critical difference: FEMA provides grants, while the SBA offers loans. Learn the legal facts to protect your home and finances from misinformation.
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Understanding Bankruptcy Exemptions for Business Owners
Filing Chapter 7? Learn how business owners use state and personal bankruptcy exemptions (including tools of the trade) to protect valuable business assets.
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Pay Off Debt Faster with Smart Mortgage Refinancing
Professor Alex discusses refinancing, saving, investing, and debt management strategies for financial growth.