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  • 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.

  • 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.

  • Why Abolishing the IRS is a Recipe for Economic Disaster

    Abolishing the IRS risks financial instability, contradicts historical lessons, and presents impractical implications for loans.

  • Burner Phones: U.S. Customs and Border Protection

    Burner phones recommended as protection against border phone checks.

  • Voting Against Self-Interest: The Economic Consequences

    Prof. Hernandez analyzes the 2026 economic slowdown and the “nickel and dimed” affordability crisis. Explore the data on $18T in debt, DOGE audits, and the $14.5T immigration surplus.

  • Trump Denies North Carolina FEMA

    Political and financial chaos is affecting everyone, necessitating individual preparation for future instability.

  • The Death Master File: Financial Disaster and Protecting Your Assets

    The Social Security Administration’s Death Master File is flagging living persons as dead. Expert advice on how to secure your bank accounts.

  • The Trump DOJ Adds to the Chaos in Politics: The Economic Ripple Effect

    Chaos in politics disrupts stability, affecting markets and businesses while harming economic growth overall.

  • Preparing for a Recession: Decisions Have Consequences

    Be prepared for potential recession impacts; prioritize financial caution and avoid impulsive decisions now.

  • Consider Freezing Your Credit Now Thanks to DOGE

    To protect against data breaches, I froze my credit, ensuring security and peace of mind.

  • What Hooters’ Bankruptcy Teaches Consumers About Lease Rejection

    Bankruptcy Attorney & Law Professor Hernandez explains how Hooters’ lease rejection strategy under Section 365 can help debtors surrender cars and apartments.

  • Understanding Delaware Bankruptcy Exemptions

    Delaware bankruptcy exemptions protect assets like homes and vehicles while determining filing chapters.