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Sunday, June 21, 2026

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Bad Faith and Serial Filings: Bankruptcy Stay Restrictions | Prof. Hernandez
Administrative Structure: The U.S. Trustee and the Bankruptcy Case Trustees
Wiping Out Judicial Liens with Bankruptcy to Sell Your Home & Keep the Equity
Facing Mortgage Foreclosure: Strategic Options and Bankruptcy Protections
Removing Liens: Bankruptcy Lien Avoidance Under 11 U.S.C. § 522(f)

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Consumer Bankruptcy Law

Bad Faith and Serial Filings: Bankruptcy Stay Restrictions | Prof. Hernandez

Alexander Hernandez 5 min read

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Consumer Bankruptcy Law

Administrative Structure: The U.S. Trustee and the Bankruptcy Case Trustees

Alexander Hernandez 6 min read

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Wiping Out Judicial Liens with Bankruptcy to Sell Your Home & Keep the Equity

Alexander Hernandez 7 min read

Cover image for Bankruptcy.blog article “Facing Mortgage Foreclosure Options and Bankruptcy Protections,” showing a foreclosure sign in front of a distressed home with legal symbols — a gavel and scales of justice — representing homeowner rights and bankruptcy protections.

Insights & Analysis

Facing Mortgage Foreclosure: Strategic Options and Bankruptcy Protections

Alexander Hernandez 9 min read

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Removing Liens: Bankruptcy Lien Avoidance Under 11 U.S.C. § 522(f)

Alexander Hernandez 6 min read

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What It Means to Be Judgment-Proof

Alexander Hernandez 7 min read

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Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?

Alexander Hernandez 8 min read

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Why You Should Never File for Bankruptcy on Payday

Alexander Hernandez 5 min read

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The Hidden Risk of Passive Business Ownership in Consumer Bankruptcy

Alexander Hernandez 6 min read

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Signatory vs. Owner: Is that Bank Account Actually Your Asset in Bankruptcy?

Alexander Hernandez 5 min read

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The Danger of Being a “Silent” Business Owner in Personal Bankruptcy

Alexander Hernandez 7 min read

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The Convenience Bank Account Trap: Can a Trustee Take Your Parents’ Money?

Alexander Hernandez 8 min read

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Can the Bankruptcy Trustee Take Your 529 College Plan?

Alexander Hernandez 5 min read

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Is Your Child’s Bank Account Safe in Bankruptcy?

Alexander Hernandez 7 min read

Insights & AnalysisView All

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Insights & Analysis

Trapped in the Bankruptcy Belt: How Soaring Equity Limits Chapter 7

Alexander Hernandez 7 min read

Homeowners in the Bankruptcy Belt face rising home equity, low homestead exemptions, and unaffordable Chapter 13 plans.

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Insights & Analysis

How the National Debt is Forcing Consumers into Debt and Bankruptcy

Alexander Hernandez 7 min read

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Insights & Analysis

Can You Go to Jail for Debt? The Reality of Debtors’ Prisons

Alexander Hernandez 6 min read

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Insights & Analysis

Why Chapter 7 Liquidations Are Outpacing Chapter 13 Cases

Alexander Hernandez 6 min read

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Insights & Analysis

The Redfin Delisting Surge: The “Buying Time” Strategy

Alexander Hernandez 8 min read

BankruptcyView All

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The 2% Gamble: Why Chapter 13 Bankruptcy is Not a DIY Project

Alexander Hernandez 7 min read

Bankruptcy Professor explains the harsh truth: pro se Chapter 13 filings have a near-zero success rate.

A clock and calendar image representing the strategic timing required to file Chapter 7 bankruptcy to pass the means test during the government shutdown.

How a Government Shutdown Can Help You Pass the Chapter 7 Means Test

Alexander Hernandez 5 min read

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Understanding Chapter 7 Bankruptcy and Exemptions

Alexander Hernandez 8 min read

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The Confusion with Mortgage Liens and Bankruptcy

Alexander Hernandez 5 min read

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Understanding Non-Dischargeable Debts: Why Bankruptcy Isn’t a “Get Out of Jail Free” Card

Alexander Hernandez 3 min read

Debts & Dollars

Today’s first thought when I woke up was, what will this week hold? We're being bombarded from all sides, and it's tough. Personally, I'm trying to avoid looking at my phone first thing in the morning and last thing at night. We need to take time for ourselves. I even posted about that on Facebook today. We have to get through these difficult times. I believe Monday is a good day to reset, whether you had a bad week and want to move forward or a great week and want to continue the momentum. However, that's not what I'm talking about today. I want to discuss something that came up in a conversation with my wife yesterday, and then I read an article about it this morning. My wife met some tourists visiting the national parks. The parks are currently in disarray, and it's uncertain what they'll be like in a few months. There's a severe staff shortage, which creates numerous problems. Whether it’s maintaining the parks or keeping bears from wandering into campgrounds. These issues stem from staff reductions, essentially firings. But this is what happens when an unelected official from a non-government group like DOGE takes a hostile takeover of the federal government. Elon Musk took a chainsaw to the federal government when he needed a scalpel. But, if you think this won't affect you, you're wrong. You'll feel the pinch one way or another. I recently made a YouTube video using Naples and South Florida as a prime example. Being from Florida, Naples sees a large influx of Canadians towards the end of the year and into spring. They spend four to six months here, playing golf and enjoying retirement. This is a long-standing trend I've witnessed in Miami and Naples. Many Canadians also spend time in New York. The general belief is this wouldn’t affect you, but it will. That money circulates throughout the economy. Even if you don't live in Naples, someone you know might be impacted. For example, they might not buy a product from an Amazon seller because they lack the funds. It's all interconnected. Let me share some information. First, the tourists my wife met, who were from Italy, said, 'You guys are alone. The whole world is looking at you differently now.' They were on vacation, visiting the national parks, but found them in disarray. This caused them to change their plans. They were also terrified. Who goes on vacation to be terrified? No one. It defeats the purpose, and that has financial consequences. Recently, Canadian actress Jasmine Mooney was detained for two weeks and is now boycotting the US, urging others not to visit. New York is already experiencing a drop in Canadian tourism, and there’s already a 23% drop in online searches from Canadians planning to visit the US. That's a significant amount of money that circulates through the US economy, and it's estimated to affect us by $64 billion. Now, let's return to the issue of the Italian tourists. In speaking with the tourists, my wife mentioned to be careful with the information on their cell phone, but they had already been warned by their own government. They were told to ensure their cell phones contained no anti-Trump content, as ICE might detain them, labeling them as terrorists. It’s already been documented that this happened. The legality of ICE's seizing and examining cell phone messages is a separate issue, but consider this: if you fear traveling somewhere, will you spend your money there? Of course not. We've gone from a projected 8.8% increase in tourism to a 5% loss, a 13% swing. If you think that's insignificant, especially when dealing with billions, try giving up 13% of your paycheck every two weeks and see how it feels. This isolationist approach doesn't work. No one will do business or travel here. I'm from Miami. How will this impact our tourism? South Beach attracts people from around the world. Cruise ships and Orlando's Disney World are packed with international tourists. Remember, chaos will lead to political and financial instability. While streamlining government is understandable and no one disagrees with this, it’s the method that is at issue. You have mass firings, then a court order requires to rehire them. This on-again, off-again situation is harmful. A business or government cannot function properly when constantly in disarray When you reduce a task from ten employees to one, that employee will fall behind. Just like a lawyer with too many cases. We're seeing this at the federal level. This will cause issues with Social Security and the IRS. Some groups are planning to submit inaccurate tax returns or not file at all, thinking the IRS lacks the staff to catch them. 'When the cat's away, the mice will play.' Irs argicle bullet That's the situation we are facing. Tourists are avoiding national parks and travel to the United States. They’re concerned, if not afraid. If tourists stop spending money in the US, it will impact everyone. They fly, rent cars, eat at restaurants, stay in hotels and inns, and travel across the country. Every dollar lost affects your community. When less money enters your community, local and state governments must either cut staff or raise taxes. That's why I mentioned Florida's push for front license plates in another post. It's a revenue-generating measure. Florida knows it will lose tourism dollars. Why would anyone want to visit the US and fear ICE seizing their phone or being detained for two weeks, even if they're here legally? Dual citizens are even worried about which passport to use when crossing the border. Florida farmers are already losing money because Canada is buying oranges from Mexico instead. You can see the problems this creates, but it doesn’t end there. For golf fans, the Ryder Cup is coming up. How much money will we lose on that? People travel from Europe to watch it. Next year, we have FIFA, and the Summer Olympics in Los Angeles. These events represent billions of dollars. So, if it seems clear we're heading towards a recession, you need to figure out how this applies to your personal situation and adapt. Everyone's situation is different. If you live in a tourism-dependent area like Miami, you need to find ways to supplement your income. Similarly, if you live in a transportation hub like Atlanta, fewer flights mean fewer work hours. What side hustle can you pursue to make up for those losses? Times are going to be tough. Buckle up and get ready. Don't just listen to me. I'm just one person with a cup of coffee. Do your research. See what economists worldwide are saying and draw your conclusions based on common sense. For example, the Department of Education provides up to 11% of school district revenue on average nationwide. Some districts might receive more, some less. If they lose 11% of their revenue, how will they make up the difference? Most likely, they'll cut costs, reduce benefits, and increase taxes. The Department of Education serves as a perfect example. I don’t have children, and yet, with revenue lost at the county and state level, it’s likely to affect me. It's these seemingly small things. So ask yourself: How will this impact me? Because it will. Alright, take care of yourselves. It's Monday, so there's a bit of doom and gloom. But there's always coffee to make us feel better, and alcohol at night. Take care. Colleges and universities can purchase my bankruptcy law textbook directly from Routledge Publishing. For paralegals and students buying single copies, you can do so via Amazon Books. To access my YouTube channel, click this link. You can also listen to my podcast on Spotify. You can find additional categories by clicking below or by using the search feature at the top of this page: Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only. This podcast was transcribed from an audio recording. The transcription may contain inaccuracies or errors due to the limitations of transcription software and the quality of the audio. I have made every effort to ensure the accuracy of the transcription but cannot guarantee it. Empty check-in counters at an airport, symbolizing a decline in US tourism. The url ‘Bankruptcy.blog’ is visible.

Insights & Analysis

Impact of U.S. Tourism Decline on Local Economies

image of a judge's gavel striking a split house model to visualize the need for Chapter 13 bankruptcy versus chapter 7 to protect a second home and non-exempt equity issues.

The Two-Home Trap: Why Chapter 7 Isn’t an Option When You Want to Keep Both Houses

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Understanding Trustee Scrutiny in Bankruptcy

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Insights & Analysis

A Personal Reflection on Joann Fabrics and Its Legacy

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Filing a Bare-Bones Bankruptcy Petition Quickly

Latest Posts

Bad Faith and Serial Filings: Bankruptcy Stay Restrictions | Prof. Hernandez
Administrative Structure: The U.S. Trustee and the Bankruptcy Case Trustees
Wiping Out Judicial Liens with Bankruptcy to Sell Your Home & Keep the Equity
Facing Mortgage Foreclosure: Strategic Options and Bankruptcy Protections
Removing Liens: Bankruptcy Lien Avoidance Under 11 U.S.C. § 522(f)
What It Means to Be Judgment-Proof
Trapped in the Bankruptcy Belt: How Soaring Equity Limits Chapter 7
How the National Debt is Forcing Consumers into Debt and Bankruptcy
Avoidance, Abandonment, and the Scope of Bankruptcy Trustee Powers
Chapter 7 Bankruptcy and Car Loans: Can You Keep Your Vehicle?

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