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Bankruptcy.Blog

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Miami Lawyers

  • 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.

  • Chapter 13 Bankruptcy: Wage Stagnation, Inflation, and the Survival Budget

    Navigating a Chapter 13 plan during inflation? This guide explains feasibility strategies, the liquidation test, and how to effectively manage your repayment plan.

  • The Bankruptcy Tipping Point: Chapter 7, Grocery Inflation, and the Means Test Trap

    How inflation and outdated IRS allowances affect Chapter 7 eligibility in 2026, plus key strategies for navigating the Means Test.

  • Understanding Credit Reports: Disputing Errors Made Easy

    Learn how to identify and dispute common errors on your Equifax, Experian, and TransUnion credit reports. Protect your credit core!

  • The 2026 Rise in Bankruptcy Filings: Why Small Businesses Are Hitting the Debt Wall

    Small businesses are facing mounting debt pressure in 2026. Learn why more owners are turning to Subchapter V to restructure obligations and secure a fresh start.

  • Indiana Bankruptcy Exemptions: Protecting Your Assets

    Protect your assets in Indiana with our expert guide to bankruptcy exemptions. Prof. Hernandez breaks down the tangible and intangible property rules to help you secure a fresh start.

  • Chapter 7 Bankruptcy and Debunking the Liquidation Myth

    Is Chapter 7 always a liquidation? Learn the reality of no-asset cases, the truth about the means test, and why this chapter may not save your home. Read the expert breakdown.

  • The LLC Illusion: Accidental Landlords and Personal Liability in Foreclosures

    Foreclosure rates are at a 7-year high. Don’t fall for the LLC liability trap. Learn why personal guarantees survive title transfers and protect your future.

  • The 2026 Bankruptcy Surge and the New Importance of the Co‑Debtor Stay

    Bankruptcy filings have surged 47%. Learn how the Chapter 13 Co‑Debtor Stay protects co‑signers from zero‑equity auto loans and deficiency lawsuits.

  • Chapter 13 Bankruptcy: The Co-Debtor Stay Advantage

    Protect your co‑signers with this guide to the Chapter 13 Co‑Debtor Stay. Learn how the stay works, its limits, and how to prevent post‑bankruptcy deficiency lawsuits against co‑debtors.

  • Illinois Bankruptcy Exemptions: A Complete Guide to Asset Protection

    Protect your property with this complete guide to Illinois bankruptcy exemptions. Learn how to maximize your asset protection and navigate state-specific rules effectively.