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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

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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

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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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Insights & Analysis

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

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?

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Can the Bankruptcy Trustee Take Your 529 College Plan?

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Is Your Child’s Bank Account Safe in Bankruptcy?

Alexander Hernandez 7 min read

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How the National Debt is Forcing Consumers into Debt and Bankruptcy

Alexander Hernandez 7 min read

How the national debt raises borrowing costs, shrinks household budgets, and pushes families toward Chapter 7 or Chapter 13 bankruptcy.

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

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Why Chapter 7 Liquidations Are Outpacing Chapter 13 Cases

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The Redfin Delisting Surge: The “Buying Time” Strategy

Alexander Hernandez 8 min read

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Mapping the Bankruptcy Surge: Newsweek Report Means Struggling Households

Alexander Hernandez 6 min read

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

Alexander Hernandez 5 min read

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

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

Alexander Hernandez 5 min read

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Alexander Hernandez 5 min read

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Alexander Hernandez 2 min read

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Debts & Dollars

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Trump Denies North Carolina FEMA

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Essential Tips for Hiring a Bankruptcy Lawyer

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3.10.25Hi. Welcome to another episode of Morning Coffee with me, professor Alex. Now today is kind of a continuation of something I've been complaining about before. Wrote another blog post and it in another video where. It was titled Don't Target Target meaning target the store, but I now see that we've gone from a one day blackout to a 40 day blackout. And I just don't understand why. I think you got it all wrong everybody. Boycotting target or any other department store. I disagree. 1st place I have a saying that I always tell clients it's easy to spend money that's not mine. Target, for example, is getting sued for billions of dollars by the state Attorney General of Florida. Now what? I. Guess people don't understand this, but. You see what Mark Zuckerberg and everyone else? They went on bended knee like we like to say to President Trump. Well, if billions of dollars were on the line, your billions of dollars, what would you do if you could just go over there and say some nice things and make it all disappear? Would. You could say no if it's your private business, right? But. If you have a company, a publicly shared company, you know stock market and everything else, that's not an option that's going to be given to you because you have to do what's best for the company and the Board of Directors are the ones that are going to say. We need to. This lawsuit, worth billions of dollars. So go over there and tell President Trump or whoever what they want to hear and make the case disappear. Guess who did that? Happen with Mark Zuckerberg. Now I know some of you have been saying. Well, Apple didn't do it. Apple did it the first time around. Why they were treated differently with taxes and everything else during Trump's first term? So Apple bended the knee a long time ago, but now we see this issue with major corporations like target. And I know the issue is dei, but your anger is misdirected. 1st place how do we get there? We got there based on a Supreme Court ruling and now the dei initiatives of President Trump, which includes eliminating anything in any way that references to anything that's dei trying to basically whitewash everything in this country. Know I've seen the photos where there's black people who worked. War Two soldiers that's coming out. It's beyond. It's obviously, it's clearly it's racist, but. If target is trying to comply and it's not just target, it's also Ford and other companies have had to do the same. Chase, I don't see anybody running around saying they're taking their their money out of chase, so why are they focusing on target? Well, because it's easy. It's easy to go online and say I'm not going. Target anymore. And then you boycott target. But you're attacking the wrong person. This was all created by the Supreme. This was all created by Trump and you're attacking the companies that are trying to comply with this DI initiatives. Now let's say you do. Bankrupt somehow target who pays the price for that? The board members of Target worth hundreds of millions of dollars. You can affect the employees, the ones that have a side hustle and trying to make ends meet. And by the way, if Target filed for bankruptcy, do you think the CEOs and and the board members all have to get a side hustle to pay their mortgage that month? No, they do. They probably not going to get the 90 foot yacht, but they'll settle for the 55 foot yacht and the way bankruptcy laws are written is guess who gets paid first. You think it's a person? Learns to eat. Least amount of money at Target. No, the way your laws are written, you can look this up every single time there's a bankruptcy filed, even TARP funds going back to Obama. Where the CEO's and everyone else are getting hundreds of millions of dollars in bonuses and payouts, and you're lucky there's any money leftover for the employees. The ones that are that are stocking the ones that are that are working the cashier, the ones who are doing deli. The ones that take the the merchandise. Your car so the drive throughs you don't have to get inside. Are the people that you're going? Hurt the most? The people they actually trying to protect the most. Where's the log logic? I don't understand. The rich people, they're not going to lose their houses or their. They have multiple streams of income. OK, they don't only have target stock, they have stocks and everything. They're invested in businesses that they lose 1 business, the other business will make money for. And like I said, they're not going to lose their house. Assuming they had to, let's really go under exaggerated in here. Say they're going to lose their $20 million mansion. They're just going to sell it. Pocket a few $1,000,000 and go buy another. Instead of a $20 million mansion, they have a $5,000,000 mansion. There's still a lot more than what that checkout person that helped you on that target or all these other department stores have. Who once they lose their job and they have to go into bankruptcy. They're not going to bounce back that. You could bounce back from bankruptcy. I've seen it hundreds of times with my clients, but it's not that simple. So every time you're targeting these companies, you're only hurting the employees. You're not hurting the ones on top. Those are the ones you want to go after after. But you can't. So what do you do? You just go online and you protest. Instead of protesting President Trump and his dei policies and the Supreme Court. That requires effort, right? It requires getting in your car, going to meetings, getting organized, and then eventually you can go and do this protest. Just easier to go online and say I'm. Target and we'll. We'll leave it at that. And then at the end. Guess what? Who you're hurting. Here's the funny part. All you're doing is getting distracted like squirrel. That's all you're doing. Meanwhile, Trump is doing all this stuff. He's canceling all these dei policies. Going. State attorney generals are filing lawsuits against these these corporations. And at the end of the day, they're getting distracted by that. That's all it. It's a distraction you're looking at. Get let's boycott target. And again, if you bankrupt them, who are you? Hurting, you're not hurting the CEO and the board members. You can trust me on that. You can go look up what other companies they belong to. Their estimated net worth and if they lose a position on the board because target is liquidated. OK, so who comes up and swallows them up? Walmart or some other company. And then when they do the same thing, we're going to go through the process all over again. It's absurd. Misdirected. It's also part ignorance and I have to say it that way because you're attacking the employees, you're not attacking the source. The source is President Trump and his. Dei policies. You've even seen Pete Hegseth talk about Dei and the State Department. It's. It's kind of hot out of control how they made this the boogeyman when reality is the people that are hired are qualified to be hired and if a corporation feels like hiring someone is not qualified, that's their business. But at the end. You need to think twice. Take a deep breath. Let's not overreact and start picking and choosing certain companies. When you have to look at why they got to where they got and again look it up. All public record the state Attorney General, Florida. Is filing lawsuits with billions of dollars. They are not the only state. It won't be the only. They're going to target everyone, and while everyone can jump on the Costco bandwagon, say I'm just going to get all my stuff at Costco. It is your right. Is your constitutional right? The shop, wherever you wish to shop and buy wherever you want to buy and buy however you wish to buy it and get it as much of debt as you wish to buy it. The problem is is just very simple, it's misdirected. That's all it is. I don't deny that there's ways around the dei initiatives. Some companies are getting. They're calling it something different and and that's the loophole for now, and I'm sure target will go down that road eventually. But again, I just want every. Back and think of who you're hurting the most the most. How many board members are there? Let's make it up 10. How many? Are there at Target? Thousands. If they go bankrupt, that is. Thousands of people who would lose their job. Just look at what's happening with the Federal purge, how they're at risk of losing their their apartments, what they've leased their houses, they have no money coming in you. State some of them got a. There's going to be no buyout with target if you bankrupt. All right. So that's my opinion. I wouldn't particularly pursue target or any company like that because like I said, I know where the source comes from and that source is present. Trump, that's who you should be boycotting. Not this. Oh, I'm just gonna go online and and and and complain and ***** a little bit about target and never shop there again. Assuming you don't, which you probably will. You'll eventually need something from them, but even if you stick to your guns on that one. Congratulations all your all you did was hurt the stalker. All you did. The the stalker sounds like a say. The stock person doesn't. Sounds like a like a felony. The checkout person and everyone else who is middle class working there. We keep complaining. That the middle class has been eliminated and been wiped out. You're contributing to that. All right, so keep that in. Be prepared financially, like I keep saying, chaos creates political instability and political instability creates financial instability. Take care. A sticky note on a keyboard with 'Cancel Culture' written on it, symbolizing online activism or boycotts, such as movements like 'boycott Target.' The keyboard features a red enter key and backspace key, emphasizing the digital nature of these actions. The url ‘Bankruptcy.blog’ is visible.

Insights & Analysis

The Real Victims of Target Boycotts Revealed

Latest Posts

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
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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
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