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Prof.Alex

@profalex.bsky.social
2.6K followers 2.7K following 10K posts

Golf, dogs & cats. Attorney, Professor, 80s kid, Gen X. Bankruptcy.Blog.

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Prof.Alex @profalex.bsky.social · 3h
If you look at tourism cities/states, there's an increase in bankruptcy/foreclosures. For example, Las Vegas, Florida, and South Carolina. More than a year ago, I said this would result in billions being siphoned out of the economy, plus international students going elsewhere. #bankruptcyblog
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Prof.Alex @profalex.bsky.social · 3h
AI apparently hasn't taken an economics course. If you thought the dot-com bust was bad....
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Prof.Alex @profalex.bsky.social · 4h
It's a little more effort, but humane. I found one that had fallen asleep in the bird feeder. I'm sure he got knocked out from eating so much.
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Prof.Alex @profalex.bsky.social · 6h
Mortgages 90 days past due are 19% higher than last year.
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Prof.Alex @profalex.bsky.social · 21h
I've always had awesome pets. Unfortunately, they are no longer with us, but their awesomeness remains forever etched in our hearts and minds.
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Prof.Alex @profalex.bsky.social · 22h
This is why people hate applying for jobs. For this job, you have to be a lawyer and have experience teaching.
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Prof.Alex @profalex.bsky.social · 29/09/2026
With the Pentagon hack, it's time to protect your identity.
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Prof.Alex @profalex.bsky.social · 29/09/2026
It doesn't matter which district I'm researching; bankruptcy filings have increased every single year. Since filing for bankruptcy is the last resort, it is a lagging indicator, which means the numbers will continue to rise. These are the statistics for the Harrisburg/Wilkes-Barre Division in PA.
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Prof.Alex @profalex.bsky.social · 29/09/2026
7.50% mortgages!😕
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Prof.Alex @profalex.bsky.social · 29/09/2026
With DOGE, there is a whistleblower complaint that our data was uploaded to a cloud that was hacked. Now we have the Pentagon hack. So please- FREEZE YOUR CREDIT! Regularly monitor your credit cards for fraudulent charges as well!
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Prof.Alex @profalex.bsky.social · 29/09/2026
Not sure how I could have a good morning waking up to that frantic Bates Hotel alarm sound.
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Prof.Alex @profalex.bsky.social · 29/09/2026
It's amazing to me, even recently someone telling me who cares about diesel I use regular gas. I replied the big tanker at the gas station, guess what kind of gas it uses...
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Prof.Alex @profalex.bsky.social · 29/09/2026
Every bit helps. I believe it's the 2nd time Gov Kemp does that
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Prof.Alex @profalex.bsky.social · 29/09/2026
After 110 degrees throughout the summer, I'm standing outside and it's 68 degrees and I'm freezing.
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Prof.Alex @profalex.bsky.social · 29/09/2026
It only took me 7 months to frame my tickets to the Coca-Cola Museum and National Center Civil Rights Museum in Atlanta. In 7 more months I'll straighten the tickets. But if you have the chance, visit both! #cocacola #civilrights #atlanta
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Prof.Alex @profalex.bsky.social · 28/09/2026
Don't accept "no" from the credit card company!!! It's their common tactic when it comes to fraud or unauthorized charges. #CreditCardDebt #bankruptcyblog
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Prof.Alex @profalex.bsky.social · 28/09/2026
Per New Hampshire Public Radio, the state is seeing delinquency levels on auto loans and credit cards nearing the levels of the Great Recession.
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Prof.Alex @profalex.bsky.social · 28/09/2026
Congrats on your new place. First, last, + security deposit. There goes a few grand. "Hi, I'm calling to connect power to my new residence. What? you need a $600 deposit for power?"
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Prof.Alex @profalex.bsky.social · 28/09/2026
Those simple numbers below is why I have been saying: YOU WILL GET NICKEL/DIMED INTO DEBT!!! At the end of the year, it adds up to thousands of dollars.
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Prof.Alex @profalex.bsky.social · 28/09/2026
The Means Test is step 1 when determining if you qualify for Chapter 7 bankruptcy. The Means Test focuses on the median income in your state. Today's article reviews the Means Test for the state of Pennsylvania. See the full article below. #Pennsylvania #bankruptcyblog
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Prof.Alex @profalex.bsky.social · 28/09/2026
The U.S. Debt Crisis costs us all with higher interest rates making cars and homes more expensive to buy.
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Prof.Alex @profalex.bsky.social · 28/09/2026
This isn't sustainable and the issue of utility bills is being ignored at the state and federal level!
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Prof.Alex @profalex.bsky.social · 28/09/2026
I've said this repeatedly. The economic definition of a recession is irrelevant bc households are having a personal recession.
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Prof.Alex @profalex.bsky.social · 27/09/2026
I know it's public record, but I don't understand the logic of posting the names of everyone in the community who filed for bankruptcy.
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Prof.Alex @profalex.bsky.social · 26/09/2026
Nice....
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Prof.Alex @profalex.bsky.social · 26/09/2026
Did some work on the house and the weather is finally cool enough that I can enjoy the firepit and a cigar. Have a great Friday!!
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Prof.Alex @profalex.bsky.social · 25/09/2026
An out-of-state teaching position caught my eye, so I'm going to apply, but I also know I will get the gig b/c my cover letter is awesome! You know, the resume serves no particular purpose.
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Prof.Alex @profalex.bsky.social · 25/09/2026
This iced coffee interview issue doesn't change the fact whether the person is qualified or not. And cover letters are still a waste of everyone's time.
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Prof.Alex @profalex.bsky.social · 25/09/2026
Stop saying the real estate market is "correcting." A positive spin on a negative situation does not change the economic reality.
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Prof.Alex @profalex.bsky.social · 25/09/2026
Over the last 10 years, debt has grown by: 106.5% in Idaho. 104.% in Utah. 93% in Texas 90.6% in Nevada Source: MoneyLion
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Prof.Alex @profalex.bsky.social · 25/09/2026
There are good trends and then there are bad ones. This is a bad one. #bankruptcyblog
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Prof.Alex @profalex.bsky.social · 25/09/2026
Wow, Brightline, the train system connecting South Florida to Orlando has filed for Chapter 11 bankruptcy. **It shouldn't have any effect on travel.
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Prof.Alex @profalex.bsky.social · 25/09/2026
10 million + student loan borrowers are in default & face wage garnishment.
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Prof.Alex @profalex.bsky.social · 25/09/2026
I've been there twice, the last time w/ my wife. We sat in the back of the truck, had lunch overlooking Devils Tower. What I would love to do is the campground there, plays Close Encounters of the 3rd Kind on an outdoor screen! That would be awesome.
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Prof.Alex @profalex.bsky.social · 25/09/2026
It doesn't matter what district I'm working on, the numbers have climbed each year.
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Prof.Alex @profalex.bsky.social · 25/09/2026
Be careful!!!
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Prof.Alex @profalex.bsky.social · 25/09/2026
I'm not sure how this old video of me pursuing my Master's got leaked......
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Prof.Alex @profalex.bsky.social · 25/09/2026
That's highest I've seen for regular.
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Prof.Alex @profalex.bsky.social · 24/09/2026
Keep moving on...
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Prof.Alex @profalex.bsky.social · 24/09/2026
Well, it can't be any worse than having bad luck and being broke.
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Prof.Alex @profalex.bsky.social · 24/09/2026
So this popped up on my screen. Probably one of the greatest literary masterpieces of our time. It also happens to be my textbook, so I might be somewhat biased. #bankruptcyblog
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Prof.Alex @profalex.bsky.social · 24/09/2026
Since I just complained about those training AIs for free, here's another one. I just received this email from my bank. So do all the work, answer all these questions, and maybe, with a stroke of luck, I'll receive $100. Simply not worth the time and effort.
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Prof.Alex @profalex.bsky.social · 24/09/2026
And just like that, my insurance premium is up $221. I'm sure I'm not the only one, so the question is: did your income go up by $221? What about an increase in income to catch up with fuel prices? Inflation? No? That's why your debt is increasing by thousands every year.
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Prof.Alex @profalex.bsky.social · 24/09/2026
I hope people on the "you can't buy a home b/c you have coffee at Starbucks & avocado toast" bandwagon now understand how interest rates at 7.25% affect the market and what you can buy and afford, not some cheap form of self-rewarding behavior.
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Prof.Alex @profalex.bsky.social · 24/09/2026
When filing for bankruptcy, step one is making sure your income is below the state average income, known as the means test. Here are the income figures for Oregon. #bankruptcyblog #oregon bankruptcy.blog/2026/09/oreg...
bankruptcy.blog
Oregon Bankruptcy Means Test Figures for 2026
Learn Oregon's 2026 bankruptcy means test income limits, median income, and Form 122A calculations to determine Chapter 7 eligibility.
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Prof.Alex @profalex.bsky.social · 24/09/2026
Weeks ago I told my wife no beef until these issues get resolved.
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Prof.Alex @profalex.bsky.social · 24/09/2026
You can't ignore the $40 trillion of the National Debt bc it simply costs you more to borrow money bc of higher interest rates.
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Prof.Alex @profalex.bsky.social · 24/09/2026
I used to do PI/Car accidents. I've had clients in motorcycle accidents on the highway where I would say I'll go by tomorrow. The next they call and say they are home. I'd ask "no insurance?" Nope, I was sent home with aspirin.
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Prof.Alex @profalex.bsky.social · 24/09/2026
Everything gets more expensive, whether landscaping, going to work, groceries, etc. Businesses have to increase their fees or take a hit, and regardless, consumers cut back anyway.
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Prof.Alex @profalex.bsky.social · 23/09/2026
The Means Test, in part, determines whether you qualify for Chapter 7 bankruptcy. The Means Test focuses on your last 6 months of income. The figures are updated twice annually. Here's the latest figure for Oregon. Full article and income limits in the comments. bankruptcy.blog/2026/09/oreg...
bankruptcy.blog
Oregon Bankruptcy Means Test Figures for 2026
Learn Oregon's 2026 bankruptcy means test income limits, median income, and Form 122A calculations to determine Chapter 7 eligibility.
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