Wednesday, December 17, 2025
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Bankruptcy.Blog

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Notice of foreclosure legal document with a house key, illustrating how the foreclosure-rise requires Chapter 13 bankruptcy to save the home. Bankruptcy.blog.
Insights & Analysis

Foreclosure Rise Continues: Chapter 13 Bankruptcy Saves Homes

Alexander Hernandez 7 min read
Cartoon illustration of the boiling frog analogy: one frog is comfortable in cold water, the other is panicking in hot water. (bankruptcy.blog)
Insights & Analysis

The Tariff Tax: The “Largest U.S. Tax Hike” in 30 Years as Bankruptcies Surge

Alexander Hernandez 5 min read
Chapter 13 Bankruptcy petition form with a pen, covering hardship discharge requirements and rules. Bankruptcy.blog
Bankruptcy

The Chapter 13 Bankruptcy Hardship Discharge

Alexander Hernandez 5 min read
Red tractor planting crops under dramatic light, illustrating the Chapter 12 bankruptcy crisis caused by failed tariff policies and farmer bailouts. bankruptcy.blog
Insights & Analysis

The Tariff Hoax: The Farmer Bailouts to Avoid Bankruptcy

Alexander Hernandez 3 min read
Credit report showing an "Excellent" score of 765, glasses, and a keyboard. Overlay text includes the keywords "rebuild your credit" and the website "Bankruptcy.blog".
Insights & Analysis

The Post-Bankruptcy Credit Surge: Rebuild Your Credit

Alexander Hernandez 4 min read
Cover photo for the Bankruptcy.blog post showing a gavel on a book labeled "BANKRUPTCY LAW," symbolizing the Rule 2004 Examination and discovery in federal bankruptcy court.
Bankruptcy

The Rule 2004 Examination: The Broadest Discovery Tool in Bankruptcy

Alexander Hernandez 5 min read
Cover photo for Bankruptcy.blog post showing a close-up of the official Schedule J form to minimize disposable income and avoid Chapter 7 dismissal.
Bankruptcy

Spotting the Critical Issues in Bankruptcy Schedule J (Expenses)

Alexander Hernandez 9 min read
Close-up of a legal document titled "LAWSUIT" and "Summons" with two pens resting on it, next to an open law book. The image illustrates the need to respond to a creditor lawsuit before you file bankruptcy. Image includes a watermark for Bankruptcy.blog
Bankruptcy

Navigating a Creditor Lawsuit: The Strategic Use of Filing an Answer Before Bankruptcy

Alexander Hernandez 5 min read
Gavel, pen, and calculator resting on a Voluntary Petition for Individuals Filing for Bankruptcy, illustrating the Chapter 13 bankruptcy to Chapter 7 bankruptcy conversion strategy to save-home. Image by Bankruptcy.blog.
Bankruptcy

Advanced Bankruptcy Strategy: Using Chapter 13 to Save Your Home, Then Converting to Chapter 7

Alexander Hernandez 4 min read
Gavel and scales of justice, representing bankruptcy court procedure and the Suggestion of Bankruptcy. [bankruptcy.blog]
Bankruptcy

Stop Creditor Action: The Critical Step After Filing Bankruptcy with the Automatic Stay

Alexander Hernandez 4 min read
Close-up of a 'PETITION FOR BANKRUPTCY' form with a pen resting on it, next to a column of numbers. White text on a blue background reads 'Filing the Proof of Claim' and 'Bankruptcy.blog'.
Bankruptcy

How to File a Proof of Claim in Any Consumer Bankruptcy Case

Alexander Hernandez 9 min read
A person holding a credit card over a laptop screen displaying a "Black Friday Limited Time Offer" with "Start Shopping" button, symbolizing the temptation and risks of Black Friday purchases that could lead to bankruptcy fraud. Source: bankruptcy.blog.
Bankruptcy

Black Friday & Bankruptcy: The Dangers of Using Credit Cards Before Filing

Alexander Hernandez 5 min read
Approved car loan application and car key with a keyfob. A debtor in Chapter 13 bankruptcy must still get court approval before signing. (bankruptcy.blog)
Bankruptcy

Buying a Car While in Chapter 13: The Critical Steps Every Debtor Must Know

Alexander Hernandez 5 min read
A close-up image of a Chapter 13 Bankruptcy court form lying on a wooden desk next to a judge's gavel. The bold text "CHAPTER 13 BANKRUPTCY" is prominently featured on the document, symbolizing the start of a Chapter 13 payment plan. The bottom of the image includes the watermark: Bankruptcy.blog.
Bankruptcy

The Surprise Chapter 13 Bankruptcy Debtors Rarely See Coming: The Plan Payment is Not Permanent

Alexander Hernandez 4 min read

Insights & AnalysisView All

A dark, ominous red cityscape representing the perfect financial storm. Text overlay reads "FINANCIAL CRISIS." The image illustrates the blog post's analysis of record debt, AI job threats, and policy tariffs, linking to Bankruptcy.blog.
Insights & Analysis

The Perfect Financial Storm is Here

Alexander Hernandez 7 min read

Travel bans, AI job losses, and tariff policy are creating a ‘perfect storm.’ Learn how record household debt is driving U.S. foreclosures and bankruptcy filings among businesses and consumers.

Financial graph overlaid with a red filter and the American flag, showing a large red downward arrow, symbolizing the economic crisis, the debt-bankruptcy-lag-surge-filings, and the warning from Bankruptcy.blog
Insights & Analysis

Why Record Debt $18.59T Guarantees a Bankruptcy Surge in 2026

Alexander Hernandez 4 min read
Interior of an American Signature Furniture showroom, illustrating the business continuing operations despite the bankruptcy filing and pending customer orders as seen on bankruptcy.blog.
Insights & Analysis

American Signature Files for Bankruptcy, Your Order, and My Furniture Industry Forecast

Alexander Hernandez 6 min read
FCRA (Fair Credit Reporting Act) legal book standing next to a gavel and stacked law books, symbolizing expertise in credit repair and consumer bankruptcy law. Branding for Bankruptcy.blog is visible at the bottom.
Insights & Analysis

Free FCRA Sample Letters: Dispute Credit Report Errors Yourself (Attorney Approved)

Alexander Hernandez 7 min read
Image showing a business person pushing a credit score dial from bad to good, illustrating the effort required to fix credit. The image relates to consumer warnings against credit repair organizations as seen on Bankruptcy.blog
Insights & Analysis

Credit Repair Organizations: Why I Call the Industry a Fraud

Alexander Hernandez 6 min read

BankruptcyView All

Illustration of ‘Chapter 7 Bankruptcy’ process depicted by wooden blocks labeled ‘STEP BY STEP’ leading up to success symbolized by a bullseye target, representing strategic planning with a ‘Bankruptcy Attorney’ and careful preparation for ‘341 Meeting of Creditors’ overseen by a ‘Trustee.
Bankruptcy

Chapter 7 Bankruptcy in 4 Months? You Got This!

Alexander Hernandez 6 min read

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

A disappointed couple watches a tow truck haul away their white sedan. Text at the bottom reads 'Bankruptcy.Blog'. This image represents the potential loss of a car due to missed payments on their car loan, even after considering a reaffirmation agreement in bankruptcy proceedings.
Bankruptcy

Car Loans and Bankruptcy: How to Keep Your Car

Alexander Hernandez 7 min read
Bankruptcy petition guide cover featuring a Schedule E/F document, calculator, eyeglasses, and pen on a desk; promotional banner reads 'How to Complete the Bankruptcy Petition – A Step-by-Step Guide' from Bankruptcy.blog, offering resources on Chapter 7 and Chapter 13 filings, creditor schedules, and debt discharge procedures, including Schedule H.
Bankruptcy

Bankruptcy Schedule E/F Explained: Listing Unsecured Debt

Alexander Hernandez 4 min read
Podcast discussing reaffirmation agreements, Chapter 7 bankruptcy, negative equity, and the role of a bankruptcy trustee in keeping your car when you file for bankruptcy.
Bankruptcy

Reaffirmation Agreements: Keeping Your Car Post-Bankruptcy

Alexander Hernandez 8 min read
A section of Official Form 101 for individuals filing for bankruptcy. The form asks for the United States Bankruptcy Court district, case number (if known), and the chapter under which the filing is being made (Chapter 7, Chapter 11, Chapter 12, Chapter 13). There is also a checkbox to indicate if this is an amended filing.
Bankruptcy

Understanding the Chapter 7 Bankruptcy Petition: A Step-by-Step Guide

Alexander Hernandez 12 min read

Debts & Dollars