Miami Bankruptcy Attorney- Law Offices of Alberto H. Hernandez, P.A.

10/14/2026

A new federal proposal, the Protecting Workers’ Wages from Medical Debt Act, aims to keep medical bills from cutting into take-home pay.

An unexpected trip to the emergency room can leave families facing thousands in medical bills, and for many, that burden quickly follows them right to their paycheck.

10/13/2026

The spending crunch may push some debt holders to tap their 401(k) accounts as a means of paying down what they owe and resetting their finances. But experts who spoke to ABC News cautioned against the move.

Experts called the move a "tempting option" but warned of financial downsides.

10/12/2026

Gen Z could be on track to become the richest generation in history. But for now, they are struggling to pay off their credit card bills.

Gen Z isn’t just racking up credit card debt, they are also carrying shame.

10/09/2026

Bankruptcy is a federal legal process that gives people with unmanageable debt a way to get relief, either by wiping out eligible debts or restructuring them into a more manageable repayment plan.

What is bankruptcy? Learn how Chapter 7 and Chapter 13 work, which debts survive, what filing costs and how long bankruptcy stays on your credit report.

10/08/2026

Consumer delinquencies are near their highest levels since the financial crisis, creating what analysts call a “Goldilocks” environment for debt collectors. Simply put: Debt is cheap, and collections are strong.

With consumer debt cheap and federal regulators sidelined, debt collection giants are increasingly turning to litigation to secure payouts.

10/07/2026

While other generations have paid down their balances, millennials keep digging themselves deeper into debt.

Millennials keep digging themselves deeper into debt, increasing it this year while other generations' debt load went down. Here's why they're suffering.

10/06/2026

October 2026 Newsletter | Law Offices of Alberto H. Hernandez, P.A. - https://mailchi.mp/fa6e92a325f4/law-offices-of-alberto-h-hernandez-pa-june-2018-newsletter-10987138

10/06/2026

Federal lawmakers’ move to permanently raise debt limits for bankruptcy relief will give more small businesses and individuals access to options that were previously out of reach under current economic pressures and persistent inflation.

10/05/2026

A financial plan that pays off the house, builds a savings cushion, and has Social Security cover the bills after retirement sounds straightforward. But for a growing number of Americans over age 70, that plan is being derailed by credit card debt that just won’t go away.

Older borrowers hold a balance that most expected to pay off by now.

10/02/2026

Personal bankruptcy filings have jumped nearly 50% since 2022, according to a new LendingTree analysis, as inflation on housing, insurance, groceries and health care, combined with high interest rates, pushes families deeper into credit card debt.

Personal bankruptcy filings are up nearly 50% since 2022, a new LendingTree analysis finds. Here is what's driving the surge and how to get help.