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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.

  • Understanding the 341 Meeting of Creditors and the Rule 2004 Examination

    What is the real difference between a 341 Meeting and a Rule 2004 Examination? Prof. Hernandez explains the scope, authority, and strategy behind these bankruptcy tools.

  • Podcast: The LLC Myth in Chapter 7 Business Bankruptcy

    LLCs provide limited liability, but owners can still be personally liable for business debts.

  • Understanding Domestic Support Obligations in Bankruptcy

    The video explains domestic support obligations in bankruptcy, emphasizing their priority status and treatment.

  • Divorced! You Are Still Liable for the Mortgage

    After divorce, signing over the house via a quit claim deed does not remove mortgage liability. This affects credit, loan eligibility, and could lead to foreclosure. The original mortgage contract remains, impacting credit for up to 30 years. Protect yourself by seeking property sale or complete home refinance, and ensuring proof of mortgage pre-approval.

  • Student Loan Forgiveness For “Runaway Interest”

    The Biden administration’s SAVE plan forgives up to $20,000 in runaway interest for student loan borrowers.

  • Vehicle Title Discrepancies and Bankruptcy: The “Control” Principle

    Vehicle titles can create major bankruptcy risks. Understand ownership issues, equity exposure, fraudulent transfers, and how Chapter 13 and cramdown can protect your car.

  • Are LLCs Bulletproof? Understanding Business Bankruptcy & Personal Liability

    Bankruptcy Attorney and Law Professor Prof. Hernandez analyzes the limitations of the LLC shield, examining how personal guarantees and bankruptcy impact your personal assets and business liability.

  • Which Red Lobster Locations Are Closing? Here’s the List

    Red Lobster is closing fifty locations amid bankruptcy rumors and recent equipment auctions.

  • Great! The Bankruptcy Trustee Abandoned Your Car

    Filing for bankruptcy involves a 341 meeting of creditors, trustee’s questions, and protecting your vehicle.

  • Chapter 7 Bankruptcy in 4 Months? You Got This!

    Chapter 7 bankruptcy takes about four months, with key steps including filing, creditor meeting, and discharge.