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.

  • 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.

  • 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.

  • 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.

  • 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.

  • How Personal Loans and Bankruptcy Work: Tips and Strategies

    Personal loans offer debt consolidation benefits but can affect bankruptcy cases.

  • Avoiding Credit Card Use Before Bankruptcy

    Debtors should avoid using credit cards 90 days before bankruptcy to prevent trustee objections.

  • Understanding the Risks of Cosigning Student Loans for Your Child

    Cosigning student loans can impact your credit and put you at risk financially.

  • Car Repossessions on the Rise: Impact on Bankruptcy Proceedings

    Car repossessions have risen 23% this year, impacting loans and potential bankruptcy options significantly.

  • Rudy Giuliani Chapter 11 Case Dismissed: Impact and Consequences

    Rudy Giuliani’s Chapter 11 bankruptcy case was dismissed.

  • 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.