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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.

  • Debt Reduction Made Simple: Strategies for Managing Credit Card Debt

    Start saving money now! Get practical steps for debt reduction, including when to use balance transfers and how to choose the right option.

  • Where to File for Bankruptcy: Understanding Residency Requirements

    Don’t risk your property. This expert guide breaks down the 180-day filing rule and the crucial 730-day residency requirements that dictate your state exemptions.

  • Understanding Legal Steps Before Bankruptcy: Avoiding Common Pitfalls

    Authored by a published Bankruptcy Professor. Learn the essential legal steps to manage active creditor lawsuits before filing Chapter 7 or 13. Stop wage garnishment and properly file the Suggestion of Bankruptcy to protect your assets.

  • The Critical Role of Credit Report Accuracy and Identity Theft Protection

    Defend your rights under federal law. A bankruptcy attorney and law professor provides an authoritative FCRA credit report dispute guide to protect your file.

  • How to Handle Contracts and Creditors After a Disaster: A Legal Guide

    A legal guide to the Act of God clause. Learn how disasters affect contracts, service agreements, and creditor demands—and how to protect your rights.

  • Understanding the 341 Meeting: What Creditors and Debtors Need to Know

    Understand creditor rights at the 341 meeting, how proofs of claim work, and what happens when you become an accidental creditor in bankruptcy.

  • Sued by a Creditor? Why the Automatic Stay Isn’t Always Enough

    Sued by a creditor? Learn the best bankruptcy strategies, defenses, and civil court procedures to stop collection lawsuits and protect your assets.

  • FEMA vs. SBA Disaster Aid: Separating Grants from Loans for Financial Recovery

    An attorney and law professor and disaster survivor breaks down the critical difference: FEMA provides grants, while the SBA offers loans. Learn the legal facts to protect your home and finances from misinformation.

  • Understanding Bankruptcy Exemptions for Business Owners

    Filing Chapter 7? Learn how business owners use state and personal bankruptcy exemptions (including tools of the trade) to protect valuable business assets.

  • Pay Off Debt Faster with Smart Mortgage Refinancing

    Professor Alex discusses refinancing, saving, investing, and debt management strategies for financial growth.