Wednesday, October 29, 2025
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Bankruptcy.Blog

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Cover image for a video guide on completing the Bankruptcy Petition, featuring a pen and calculator on the petition form. The guide provides expert analysis on Schedule H: Co-Debtors.
Bankruptcy

Schedule H: How to Protect Co-Debtors from Debt Liability

Alexander Hernandez 4 min read
Severely damaged black car after a front-end collision on a wet highway. The image illustrates the financial and legal consequences that can lead to Chapter 13 license reinstatement.
Bankruptcy

Chapter 13 Bankruptcy and Driver’s License Reinstatement

Alexander Hernandez 5 min read
A close-up view of a severe collision between two cars, illustrating the financial damage and liability from a car accident that often requires driver's license reinstatement after bankruptcy.
Bankruptcy

Car Accident Debt and Your Driver’s License: Can Bankruptcy Get You Back on the Road?

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
Red blocks spelling DEBT with gold coin stacks increasing underneath a sharp red upward arrow, signifying rising financial obligation and debt surge leading to an increase in bankruptcy filings.
Your Wallet

Bankruptcy Filings Surge in 2025: What the Numbers Reveal About Economic Stress

Alexander Hernandez 2 min read
Tow truck (Repo Man) repossessing a car, symbolizing Chapter 7 car surrender and auto loan deficiency when it applies to filing for bankruptcy.
Bankruptcy

Chapter 7 Bankruptcy: When to Surrender Your Car

Alexander Hernandez 5 min read
Professor's Guide to Bankruptcy Schedule G Executory Contracts and Leases Form
Bankruptcy

Professor: What to List on Bankruptcy Schedule G.

Alexander Hernandez 4 min read
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.
Bankruptcy

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

Alexander Hernandez 5 min read
Legal image of a gavel on money, representing the automatic stay protection against wage garnishment after filing for bankruptcy.
Bankruptcy

Wages Garnished After Filing Bankruptcy? It’s an Illegal Automatic Stay Violation. Here’s Your 3-Step Legal Fix.

Alexander Hernandez 5 min read
A close-up of legal reference books on bankruptcy law. These texts likely include discussions of wage priority under 11 U.S.C. § 507(a)(4), which grants employees up to $15,150 in priority claims for unpaid wages earned within 180 days before a bankruptcy filing. The image is branded with Bankruptcy.blog, suggesting an educational or archival context.
Bankruptcy

11 U.S.C. §507 Priority Claims: The Professor’s Guide to Current Caps & Order

Alexander Hernandez 6 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
Official Form 106D – Schedule D: Creditors with Secured Claims in Bankruptcy Petition. Includes secured debts, lien types, collateral valuation, and creditor notification fields. Used in Chapter 7 and Chapter 13 filings. Essential documentation for bankruptcy.blog resource hub on consumer bankruptcy law and secured creditor treatment.
Bankruptcy

Understanding Schedule D for Secured Creditor Claims

Alexander Hernandez 7 min read
Official Form 106C – Schedule C: The Property You Claim as Exempt, used in bankruptcy filings to list property protected under exemptions. Includes instructions for selecting federal or state nonbankruptcy exemptions. Relevant keywords: schedule c exemptions, bankruptcy.blog, property exemptions, bankruptcy petition, homestead exemption.
Bankruptcy

Navigating Schedule C Exemptions in Bankruptcy

Alexander Hernandez 5 min read
Bankruptcy schedule A/B form used in filing for bankruptcy, featured on Bankruptcy.blog. Shows asset disclosure fields for property, income, and ownership details required in Chapter 7 and Chapter 13 cases.
Bankruptcy

Essential Tips for Listing Assets on Bankruptcy Schedule 106A/B

Alexander Hernandez 6 min read

Your WalletView All

Spirit Airlines 401k savings: Hand depositing coin into piggy bank with "401K" on chalkboard.
Your Wallet

What to Do About Your 401(k) After Spirit Airlines’ Bankruptcy

Alexander Hernandez 4 min read

Spirit Airlines’ bankruptcy affects your retirement savings; confirm your 401(k) match status immediately.

Notebook showing 'Employee Rights' and a gavel sketch, illustrating legal information for furlough protection as seen on bankruptcy.blog.
Your Wallet

Furlough Protection for Spirit Airlines Workers: Essential Steps

Alexander Hernandez 6 min read
Orange office chair against a white brick wall with bold red text reading “We’re hiring! Join our team.” Prominently features the URL Bankruptcy.blog, signaling job opportunities in the legal and financial education space. Ideal for posts about job hunting, AI in hiring, career opportunities, bankruptcy law, and economic commentary. Visual evokes modern workplace aesthetics and invites viewers to explore roles related to content creation, legal education, and digital strategy.
Your Wallet

Navigating Job Hunting in the Age of AI

Alexander Hernandez 4 min read
Person joyfully hugging a computer monitor in a modern office, symbolizing “job hugging” amid economic uncertainty; background includes coworkers, tech gear, and a bicycle near the window. Image branded with Bankruptcy.blog, capturing themes of digital resilience, liberal fodder critiques, and workplace survival in a volatile economy.
Your Wallet

Liberal Fodder and Job Hugging

Alexander Hernandez 6 min read
Road sign warning: "ECONOMIC UNCERTAINTY AHEAD" with lightning, symbolizing weekly bankruptcy news and financial storm.
Your Wallet

PCH, Damon Dash, & Florida Foreclosures: Weathering the Next Financial Storm

Alexander Hernandez 5 min read

BankruptcyView All

A microphone with yellow headphones on a yellow background, symbolizing a podcast or informational audio content about automatic stay, Chapter 7 bankruptcy, and Chapter 13 bankruptcy from Bankruptcy.Blog.
Bankruptcy

How to Choose Between Chapter 7 and Chapter 13

Alexander Hernandez 4 min read

In this podcast, we explore the differences between Chapter 7 and Chapter 13 bankruptcies for struggling individuals.

A silver car with significant front-end damage is being towed away at night in an urban setting. The aftermath of the accident highlights potential legal and financial implications, such as a car accident lawsuit, the need for a car accident lawyer, and the risk of bankruptcy stemming from associated costs. The url ‘Bankruptcy.blog is visible across the bottom.
Bankruptcy

YouTube Video-Bankruptcy After Car Accident: Options and Solutions

Alexander Hernandez 3 min read
An image of Official Form 103B, "Application to Have the Chapter 7 Filing Fee Waived," which is used to request a waiver of the filing fee for a chapter 7 bankruptcy. This form is not applicable to a chapter 13 bankruptcy.
Bankruptcy

A Payment Plan or Applying for a Waiver of the Bankruptcy Filing Fees

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
Demystifying the 341 Meeting of Creditors: It's Not What You Think You've probably heard the term "341 meeting of creditors" countless times while researching online about filing for bankruptcy. Let's clear up the confusion. This isn't the dramatic courtroom showdown you see on TV. If you’re old school, it was L.A. Law. Remember Arnie Becker? In reality, what happens at the creditor’s meeting is different than your typical court hearing. First, there's no judge or jury. The bankruptcy trustee conducts the meeting, and it's usually a low-key affair. And while it’s titled the 341 Meeting of Creditors, Bigfoot sightings are more common than creditors appearing. For those of you in the Florida Everglades- it’s Skunk Ape, or my favorite, the Chupacabra for those of you in Miami. I won’t get into the Mothman of West Virginia, but you get my point. Being Prepared for the 341 Meeting of Creditors The bankruptcy trustee will ask you a few basic questions about your bankruptcy filing. Most hearings last less than five minutes. The meeting is typically held remotely, whether you dial in by phone or video conferencing with Zoom. Either way, be early to listen in on the basic questions asked to other debtors. That will also give you a feeling of what to expect and will calm your nerves. While it’s normal to be nervous, don't stress the creditor’s meeting. When the hearing is over, most of my clients ask is that it? Make sure to take your driver's license and original Social Security card. This will save you time and money, as you'll avoid a second hearing which your lawyer will charge additional fees for. If the hearing is done remotely, your lawyer will provide your driver’s license and Social Security card in advance to the bankruptcy trustee. Remember, the 341 meeting is a routine part of the process. It's not adversarial, and the trustee is there to do a job, not to cause you distress. The overwhelming majority of trustees are nice, calm, and sympathetic. Relax, breathe, and focus on getting through it. This is your next step to a fresh start as you walk down the path of financial freedom. Person in a formal black suit with arms crossed, standing against a white background. Text below reads ‘341 Meeting of Creditors emphasizing issues with the trustee and text Bankruptcy.blog’.
Bankruptcy

The 341 Meeting of Creditors: It’s Not What You Think

Alexander Hernandez 3 min read

Debts & Dollars