Miami Lawyers
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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The 341 Meeting of Creditors: It’s Not What You Think
The “341 meeting of creditors” in bankruptcy is a low-key affair conducted by a trustee.
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Reverse Mortgages and Bankruptcy: A Strategic Analysis
Prof. Hernandez analyzes the risks of reverse mortgages in Chapter 7 and 13 bankruptcy. Learn how compounding interest and technical defaults impact home equity and why timing your filing is critical to protecting your assets.
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Understanding 341 Meeting of Creditors in Bankruptcy: What to Expect
Bankruptcy 341 meetings are informal, with no judge, jury, or adversarial atmosphere. Creditors rarely attend.
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Bankrupty Attorney and Law Professor’s Guide to Consolidating Debt and Saving Money
Learn a Bankruptcy Attorney and Law Professor’s strategic guide to debt consolidation with a personal loan to save money.
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How Personal Loans and Bankruptcy Work: Tips and Strategies
Personal loans offer debt consolidation benefits but can affect bankruptcy cases.
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Avoiding Credit Card Use Before Bankruptcy
Debtors should avoid using credit cards 90 days before bankruptcy to prevent trustee objections.
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Understanding the Risks of Cosigning Student Loans for Your Child
Cosigning student loans can impact your credit and put you at risk financially.
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Car Repossessions on the Rise: Impact on Bankruptcy Proceedings
Car repossessions have risen 23% this year, impacting loans and potential bankruptcy options significantly.
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Rudy Giuliani Chapter 11 Case Dismissed: Impact and Consequences
Rudy Giuliani’s Chapter 11 bankruptcy case was dismissed.
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Redbox Bankruptcy: The End of an Era
Bankruptcy law professor explains the Redbox Chapter 7 liquidation and what the end of the DVD rental era means for consumers and the entertainment industry.