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  • North Dakota Bankruptcy Means Test Figures for 2026

    North Dakota’s 2026 bankruptcy means test figures and how eligibility for Chapter 7 or Chapter 13 is determined.

  • Idaho Bankruptcy Means Test: Updated Figures and Forms

    Learn Idaho’s bankruptcy Means Test income limits, allowable expense deductions, and how eligibility is determined for Chapter 7 or Chapter 13 relief.

  • The New York Bankruptcy Means Test: Figures and Forms (2026)

    Learn New York’s bankruptcy means test income limits, allowable deductions, & determine eligibility for Chapter 7 or Chapter 13 relief.

  • North Carolina Bankruptcy Means Test: Figures and Forms

    North Carolina’s 2026 bankruptcy means test figures and how eligibility for Chapter 7 or Chapter 13 is determined.

  • Idaho’s Unique Bankruptcy Homestead Exemption

    Idaho’s homestead exemption protects up to $175,000 in home equity in bankruptcy. Learn the rules, limits, and how Idaho’s “intent to occupy” requirement works.

  • Client Confidentiality and the Threat of Technology

    Learn how paralegals can protect client confidentiality in bankruptcy practice. Follow proven intake, verification, and communication protocols to avoid liability.

  • Handling Difficult Bankruptcy Clients: Office Protocols

    Practical guidance for paralegals on handling difficult bankruptcy clients, setting boundaries, documenting issues, and following office protocols to protect the firm.

  • When Bankruptcy Meets a DUI: Discharging Debt vs. Restoring a Driver’s License

    Bankruptcy may reinstate a suspended driver’s license, but it won’t eliminate DUI debts or satisfy DUI reinstatement requirements.

  • Chapter 13 Confirmation Hearings: What to Expect and Why They Are Delayed

    Learn why Chapter 13 confirmation hearings are often continued, what causes delays, and how trustees and creditors review your plan before approval.

  • Understanding Bankruptcy Judges and the Federal Court Structure

    Learn how bankruptcy judges differ from Article III judges with fixed 14-year terms, circuit court appointments, & exclusive federal jurisdiction.

  • Understanding Bankruptcy: Launching the Podcast Journey

    Attorney and Law Professor, and author of Consumer Bankruptcy Law, Alex Hernandez launches his new blog and podcast. Learn bankruptcy law from an expert who survived debt—you will, too! 155

  • Chapter 7 Mistakes That Can Force Your Case into Chapter 13

    Bankruptcy professor warns: The Means Test is not enough. Avoid the 5 costly debtor and attorney mistakes that risk your discharge and lead to Chapter 13 conversion.

  • Action Required: Navient Federal Student Loans are Fully Transferring to MOHELA

    Navient federal student loans are now fully serviced by MOHELA. Learn the 3 crucial steps to protect your PSLF progress and check your credit report for critical errors.

  • What Happens After a Car is Repossessed? The Process to Deficiency Judgment

    Don’t assume a car repo ends your liability. Learn the process from repossession to auction, the calculation of the deficiency balance, and how bankruptcy can discharge the resulting judgment.

  • Maximize Your Score: Boosting Credit with Strategic Personal Loans and Debt Management

    Bankruptcy attorney and law professor reveals the strategy: use personal loans to convert non-reporting debt (like taxes & utilities) into positive credit history and maximize your score.

  • The $1.23 Trillion Dollar Credit Card Problem: Time is Ticking for Debtors and Creditors

    Why is bankruptcy up? Legal expert Alex Hernandez explains how record $1.23T debt and the COVID-era statute of limitations are driving creditor lawsuits now.

  • Understanding the Automatic Stay: Chapter 7 Versus Chapter 13 Bankruptcy

    The automatic stay in bankruptcy provides temporary protection, but Chapter 7 may not save your car.

  • What You, Bankruptcy, and Cardi B Could Have in Common

    Learn from Cardi B’s defamation lawsuit against Tasha K and how the 2004 examination is used to find fraud.

  • Divorce Debt: Why a Quitclaim Deed Won’t Save You from Mortgage and Bankruptcy Issues

    As a professor & bankruptcy law author, I explain why a quit claim deed during divorce fails to protect you and will ruin your credit.

  • The Bankruptcy Trustee, Strategies to Protect Your Tax Refund.

    Stop the Bankruptcy Trustee from taking your tax refund. Learn the legal timing strategies you can use in Chapter 7 or 13 bankruptcy.