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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.

  • 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.

  • 2026 Mortgage Interest Rates: Is the 17-Month Low Your Escape Hatch?

    Rates are at a 17-month low. Learn the math on how a refinance can kill credit card debt, shave 7 years off your loan, and your Chapter 13 exit options.

  • Student Loan Forgiveness Update: What Borrowers Should Know Before July 1, 2026

    Prepare for the return of the student loan tax bomb. Prof. Hernandez breaks down the OBBBA, the July 1 deadline for RAP enrollment, and how to avoid aggressive Treasury Department collections.

  • The Hiring of a Bankruptcy Attorney: A Practitioner’s Perspective

    Bankruptcy Attorney & Law Professor provides an expert guide to evaluating bankruptcy attorneys, verifying experience, and transparent fees.

  • Personal Loans from Friends and Family in Bankruptcy: The Preferential Transfer Trap

    Learn what happens when you repay personal loans before bankruptcy. Understand preferential transfers, insider payments, and trustee clawbacks.

  • Equitable Distribution of Marital Debt in Divorce: A Professor’s Guide to Post-Separation Debt and Bankruptcy

    A divorce attorney & law professor explains marital debt. Don’t fall for debt threats! Learn how equitable distribution protects you.

  • Bankruptcy Fees and Costs, Disclosures, and the Attorney-Client Relationship

    A guide to bankruptcy attorney fees, SOFA disclosures, fee prohibitions, and choosing the right lawyer before filing.

  • The Fake Graceland Foreclosure: Anatomy of a Title and Mortgage Fraud Scheme

    A breakdown of the Elvis Graceland fake foreclosure fraud and how the Presley estate exposed and halted the scheme.

  • Data Breaches, Identity Theft, and the Bankruptcy Escape Hatch

    Bankruptcy Attorney and Law Professor explains data breach identity theft solutions and how to protect yourself after a major breach.

  • Kevin Spacey’s Foreclosure Standoff: An Analysis

    Kevin Spacey’s foreclosure standoff shows how post‑sale occupancy works and why bankruptcy eligibility matters. Learn homeowner lessons and Chapter 13 debt limits.

  • Why Credit Reports Are Your First Line of Defense Before a Data Breach

    Data breaches expose personal information, but your credit report can help you catch identity theft fast. Learn the early indicators and how to protect your credit.