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  • The Architecture of Bankruptcy: Judges, Trustees, and Creditors

    Demystify the bankruptcy court system with Prof. Hernandez. Learn the distinct roles of Article I judges, private trustees, and the U.S. Trustee.

  • The History & Evolution of Bankruptcy Law| Prof. Hernandez

    Trace the history and evolution of bankruptcy law with Prof. Hernandez. Discover how ancient insolvency debts transformed into modern asset protections.

  • The $18.8 Trillion Household Debt Crisis: Why Older Americans Are Struggling Financially

    Rising household debt is hitting seniors hardest. See why older Americans are struggling financially and the legal protections that can safeguard retirement.

  • The Non-Judicial Foreclosure Myth: How to Force Your Lender Into Court

    Think you can’t stop a non‑judicial foreclosure? Bankruptcy attorney & law professor explains how homeowners can save their home with a court injunction.

  • Foreclosures Are Rising: Understanding Your Rights in a Judicial vs. Non‑Judicial State

    Learn your foreclosure rights in judicial and non‑judicial states and how Chapter 13 can stop a foreclosure and protect your home.

  • Idaho Bankruptcy Exemptions: Protecting Your Assets

    Bankruptcy attorney & law professor explains Idaho’s strict bankruptcy exemption laws, residency rules, and how to protect your assets.

  • Reaffirmation Agreements: Why You Can’t Negotiate Your Car Note in Chapter 7

    Understand the risks in reaffirming a car loan in Chapter 7 bankruptcy and why lenders refuse to negotiate the loan terms.

  • Bankruptcy Petition Preparers vs. Attorneys: The Cost of “Cheap” Advice

    A bankruptcy attorney and law professor warns how petition preparers cross legal lines, risk dismissal, and jeopardize your home, wages, and case.

  • The Social Security Number Error: A Costly Mistake in Your Bankruptcy Petition

    Bankruptcy attorney & law professor explains how a wrong Social Security number on a bankruptcy petition can harm an innocent third party and how to fix it fast.

  • Refinancing Your Mortgage in Chapter 13: The Fast Track to a Discharge

    Can you refinance your mortgage in Chapter 13 to get an early discharge? Prof. Hernandez explains the court requirements, the 12-month payment rule, and how to pay off creditors to successfully close your case in 2026.

  • Impacts of the Ongoing Trade War: What to Expect

    Below is a summary of my podcast and YouTube discussing the ongoing trade war. Key Points Trade Wars, Non-Existent Trade Deals, and a New Pope It seems our heads are spinning 24/7. We have a new Pope, Robert Francis Prevost, Pope Leo XIV. He was born in Chicago, but resided in Latin America for most…

  • Why the U.S.-Britain Trade Deal is Not What You Think

    The supposed U.S.-Britain trade deal is misleading, lacking any concrete agreements or impacts.

  • Weight Watchers is Skinny on Cash

    Earlier this week, Weight Watchers filed for Chapter 11 bankruptcy in the U.S. Bankruptcy Court for the District of Delaware. The good news is that their website stated that members will be unaffected. What Went Wrong with Weight Watchers? As I’ve stated consistently throughout my blogs and YouTube videos, businesses need to be fluid and…

  • Why the U.S. Economy Feels Like a Toxic Conflict Relationship

    Bankruptcy Attorney & Law Professor Alexander Hernandez explains how 2026 tariffs and Iran war fuel costs are nickel-and-diming households. Protect your budget from rising costs.

  • The Cubanization of the U.S. Economy| Prof. Hernandez

    Morgan Stanley predicts a “Cubanized” U.S. economy, emphasizing creativity and resourcefulness in challenges.

  • Understanding the Statute of Limitations on Debt

    The statute of limitations limits debt recovery time; expired debts are generally uncollectible through lawsuits.

  • Understanding D.C. Bankruptcy Exemptions: What You Need to Know

    D.C. bankruptcy allows choosing federal or local exemptions, with specific residency and asset protection rules.

  • Understanding Trump’s Tax Claims and Executive Orders

    Discusses the importance of critical thinking in evaluating political statements and tax systems.

  • How to Protect Yourself from Student Loan Wage Garnishment

    Student loans will begin wage garnishment on May 5, 2025; stay financially prepared.

  • Dismissed with Prejudice and the Prejudice Period

    The “prejudice period” limits bankruptcy refiling after dismissal, lasting 180 days for Chapter 7 and 13.