Thursday, February 5, 2026
Latest:

Bankruptcy.Blog

Be informed. Be prepared.

An alarm clock showing a dollar sign with a hand checking 'Yes' on a Reaffirmation Agreement form, representing 11th-hour timing tactics in consumer bankruptcy. Published on bankruptcy.blog.
Bankruptcy

Dealing with the “Reaffirmation Ambush”: Creditor Tactics and the 11th-Hour Timing

Alexander Hernandez 6 min read
AI-generated image for Bankruptcy.blog illustrating unreported mortgage and car payments after bankruptcy; a magnifying glass reveals "No Data Found" on a credit report next to house and car keys in a law office setting.
Bankruptcy

Why Your Mortgage and Car Payments Are “Invisible” After Bankruptcy

Alexander Hernandez 5 min read
Lawyer refusal to sign Part C of a reaffirmation agreement document showing undue hardship rules for Bankruptcy.blog.
Bankruptcy

Why Your Lawyer Won’t Sign Your Reaffirmation Agreement: The Part C Liability Trap

Alexander Hernandez 5 min read
A house of cards stabilized by a glowing wildcard on a law library table. 2026 Federal Homestead and Wildcard Exemption guide for Bankruptcy.blog.
Bankruptcy

Understanding the Federal Homestead Wildcard Exemption in 2026

Alexander Hernandez 5 min read
Infographic comparing the 2026 federal bankruptcy homestead cap of $214,000 for recent movers versus the $31,575 federal homestead exemption floor. Provided by Bankruptcy.blog.
Bankruptcy

The 1,215 Day Rule versus the Federal Exemptions. Which Law Protects Your Home in 2026?

Alexander Hernandez 3 min read
Illustration of a shielded home representing the 2026 federal bankruptcy homestead exemption limits and protections. Provided by bankruptcy.blog.Visual aid created with Copilot AI for educational purposes by bankruptcy.blog.
Bankruptcy

Understanding the Federal Bankruptcy Homestead Exemption Limits

Alexander Hernandez 4 min read
Diagram explaining the 1,215-day bankruptcy rule with a $214,000 cap compared to the $31,575 federal exemption.- Bankruptcy.blog.Visual aid created with AI for educational purposes
Bankruptcy

Understanding the Bankruptcy Homestead Exemption and the 1,215-Day Rule

Alexander Hernandez 3 min read
Stack of legal documents labeled "LAWSUIT" with a pen and leather folder, illustrating creditor lawsuit defense and bankruptcy strategy for bankruptcy.blog.
Bankruptcy

Beyond the Means Test: A 2026 Strategy for Bankruptcy & Creditor Lawsuits

Alexander Hernandez 4 min read
Bankruptcy.blog. The chapter 13 guide 2026. A photo of the Chapter 13 petition, a financial reorganization or wage earner's plan for 2026 to stop foreclosure and save assets.
Bankruptcy

Chapter 13 Bankruptcy Guide 2026 | Stop Foreclosure & Protect Assets

Alexander Hernandez 5 min read
A close-up of a United States Bankruptcy Court filing document for Chapter 7 bankruptcy with a professional pen resting on the page, serving as the featured image for the bankruptcy.blog chapter 7 guide 2026.
Bankruptcy

Your 2026 Guide to Chapter 7 Bankruptcy: Get a Fresh Start

Alexander Hernandez 8 min read
Cure mortgage arrears concept: A model house on a calendar next to an 'Urgent Past Due' notice. Bankruptcy.blog
Bankruptcy

Cure Mortgage Arrears: How to Force a Lender to Accept Your Payments

Alexander Hernandez 6 min read
A graduation cap labeled Debt with a red Cancelled stamp, representing how to stop student loan garnishment through an adversary proceeding and government settlement as seen on Bankruptcy.blog.
BankruptcyInsights & Analysis

Suing the Government is Your Best Move Against Student Loan Garnishments

Alexander Hernandez 5 min read
Close-up of a bankruptcy petition and a pen, illustrating the process of filing local bankruptcy forms and legal documents like a motion for relief, with the bankruptcy.blog watermark at the top.
Bankruptcy

The Motion for Relief from Stay: Check Your Local Bankruptcy Forms First

Alexander Hernandez 2 min read
A wooden gavel resting on a leather-bound book titled "BANKRUPTCY LAW" in a blurred library setting, featuring the Bankruptcy.blog logo at the bottom focusing on the motion for relief from the automatic stay.
Bankruptcy

The Motion for Relief from Stay Versus The Automatic Stay

Alexander Hernandez 5 min read

Insights & AnalysisView All

Law books and a gavel with text overlay: Statute of Limitations vs. Judgment Renewal by Professor Hernandez on Bankruptcy.blog.
Insights & Analysis

The “Zombie Debt” Trap: The Statute of Limitations vs. Judgment Renewal

Alexander Hernandez 7 min read

Think your debt expired? A judgment can live for decades through renewals. Learn the difference between the SOL and “Zombie Debt” from Professor Hernandez.

A credit card sitting on medical billing paperwork next to a stethoscope, illustrating predatory hospital collection tactics and the risk of medical bankruptcy—originally published on Bankruptcy.blog.
Insights & Analysis

Predatory Hospital Collection Tactics: A Silent Threat to Your Finances

Alexander Hernandez 4 min read
Three white eggs representing retirement funds sit in a nest next to a 2026 tax form, illustrating how to use 2026 401k and IRA limits for asset protection — Bankruptcy.blog
Insights & Analysis

The 2026 Retirement Limits: A Strategic Guide to Asset Protection and the Means Test

Alexander Hernandez 6 min read
A two-story suburban home with a red 'For Sale' and 'Foreclosure' sign in the front yard, illustrating how to stop a 2026 foreclosure auction and save home equity - Bankruptcy.blog.
Insights & Analysis

How to Stop a 2026 Foreclosure Auction and Protect Your Home Equity

Alexander Hernandez 6 min read
A person studying debtor resources at a desk, featuring a 'Pro Se Litigant's Guide' from the Civil Court Clerk's Office, a laptop showing LawHelp Interactive, and notes on a Motion to Dismiss. A professional legal research setting for Bankruptcy.blog.
Insights & Analysis

Navigating the Legal Maze: Essential Debtor Resources When Facing Lawsuits

Alexander Hernandez 7 min read

BankruptcyView All

A wooden gavel resting on the judge's bench in the foreground of an empty courtroom, symbolizing the authority of a judge and the potential delay in a filed Chapter 7 bankruptcy case during a government shutdown.
Bankruptcy

Missing Creditors in Bankruptcy Petition? Here’s What You Can Do

Alexander Hernandez 5 min read

Forgot to list a creditor in your Chapter 7 bankruptcy? Take these steps to protect yourself and keep the automatic stay in place.

Official Chapter 7 bankruptcy court forms on a desk, used by a bankruptcy lawyer and law professor to explain the means test and disposable income for bankruptcy.blog.
Bankruptcy

Decoding Chapter 7: Exemptions, Means Testing, and the Disposable Income Trap

Alexander Hernandez 5 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
A gavel rests on a bankruptcy petition form, including the check-box for Chapter 13 bankruptcy, symbolizing the judicial complexity of filing bankruptcy without a lawyer.
Bankruptcy

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

Alexander Hernandez 7 min read
A person holding a sign that reads ‘You Got Scammed!’ with the text ‘Bankruptcy Blog’ at the bottom, emphasizing issues with hospital billing and medical debt.
Bankruptcy

Avoid Bankruptcy Because of Hospital Billing Tactics

Alexander Hernandez 3 min read

Debts & Dollars