Miami Lawyers
-
Mapping the Bankruptcy Surge: Newsweek Report Means Struggling Households
New ABI data reveals a massive 49-state spike in filings. Prof. Hernandez breaks down the Newsweek bankruptcy map and what is driving this consumer surge.
-
Why the Moody’s Analytics Report Signals a Consumer Bankruptcy Surge
Moody’s Analytics finds the Iran conflict is costing families $750 and fueling a nationwide consumer bankruptcy surge driven by rising household debt.
-
Signatory vs. Owner: Is that Bank Account Actually Your Asset in Bankruptcy?
Are you a signatory on a business or relative’s bank account? Learn how bankruptcy law protects these funds from trustees if they aren’t your personal asset.
-
The Danger of Being a “Silent” Business Owner in Personal Bankruptcy
Bankruptcy Attorney & Law Professor explains the bankruptcy risks of being listed on a spouse’s corporation, including trustee issues.
-
BAPCPA (2005): Reaffirmation Pitfalls and the Attorney Liability Trap
Bankruptcy Attorney & Law Professor explains reaffirmation agreements under BAPCPA 2005 and the hidden risks for debtors and attorneys.
-
BAPCPA (2005): The Effect on Consumer Bankruptcy Law
Prof. Hernandez explains how BAPCPA changed consumer bankruptcy law from the Means Test to why people file for bankruptcy.
-
The Convenience Bank Account Trap: Can a Trustee Take Your Parents’ Money?
Worried a trustee can take your parents’ money? Understand the convenience‑account defense and how to protect joint family accounts.
-
Can the Bankruptcy Trustee Take Your 529 College Plan?
Can a trustee take your 529 college fund? The 529 plan bankruptcy exemption rules explained by a bankruptcy attorney and law professor.
-
Is Your Child’s Bank Account Safe in Bankruptcy?
A bankruptcy attorney explains how trustees view children’s savings accounts and when those funds become part of the bankruptcy estate.
-
What Are “Clean Bank Statements in Bankruptcy?
Avoid red flags when you file for bankruptcy. Clean bank statements explained by a bankruptcy attorney & law professor.
-
Preparing for the Economic Storm Heading Our Way
Economic turmoil looms with increasing debt, declining industries, and fear-driven policies affecting communities nationwide.
-
Economic Pulse: Tariff Losses for Small and Large Businesses
Economic struggles intensify as GOP cuts impact rural grocers, rising energy costs, and tariff burdens.
-
Impact of the Big Beautiful Bill on Electricity Costs
The Big Beautiful Bill cuts renewable energy subsidies, increasing future electricity costs for households.
-
Essential Tips for Listing Assets on Bankruptcy Schedule 106A/B
Bankruptcy Schedule 106A/B requires listing all assets, understanding exemptions, and accurate valuations.
-
U.S. Economic Pulse: July 2025 Insights
U.S. economy faces tariffs impacting inflation amid rising car loan costs and post-hurricane challenges.
-
What Failing Industries Reveal About the Economy and American Households
Prof. Hernandez analyzes how 2026 tariffs and inflation fuel a consumer pullback, driving a 13-month surge in U.S. foreclosures and bankruptcy filings.
-
Tariff-Induced Inflation: The Ladder to Bankruptcy
Tariffs, inflation, fuel costs, & global conflicts are driving up everyday expenses, increasing bankruptcies & foreclosures across the U.S.
-
Official Bankruptcy Form 106: Summary of Assets
Form 106 summarizes assets and liabilities, ensuring accuracy in Chapter 7 bankruptcy petitions to prevent complications.
-
How Congress Affects Your Wallet: CFPB Cuts Explained
Congress significantly reduced the CFPB’s budget, endangering consumer protections and increasing financial risks.
-
The Big Beautiful Bill: What Comes Next?
The Big Beautiful Bill awaits Trump’s signature, promising significant savings for the wealthy and losses for low-income households.