Steven C. Fraser, Esq. · Since 1998

Insights

Thought leadership across bankruptcy, mediation, AI ethics, estate planning, consumer protection, and the discipline of building a serious legal practice.

Immigration Enforcement

Judge Howell Rejects ICE's Warrantless-Arrest Memo in D.C.: Why the Escape-Risk Standard Matters

Senior Judge Beryl A. Howell rejected ICE's January 2026 warrantless-arrest memo for failing to require a real individualized escape-risk assessment in D.C. civil immigration arrests. The ruling is a reminder that procedure is often where constitutional rights either live or disappear.

May 12, 2026
Tax Debt & Bankruptcy

The IRS Is Coming for Your Passport ? And Your Tax Debt May Have an Exit You Don't Know About

The IRS can revoke your passport for seriously delinquent tax debt. What most people don't know is that some of that debt has a legal exit ? and it has nothing to do with a payment plan.

February 10, 2026
Tax Debt & Bankruptcy

Not All Tax Debt Lives Forever ? What That Means for Your Passport and Your Future

If the IRS has flagged your passport for seriously delinquent tax debt, you're probably focused on how to pay it. But the more important question may be: does all of it have to survive? Not all federal tax debt is permanent ? and a conversation with a bankruptcy attorney might change everything you thought you knew.

February 14, 2026
Technology & Civil Litigation

Musk v. Altman Goes Live on YouTube: What the OpenAI Trial Reveals About Federal Court Access

A federal judge is streaming the Musk v. Altman trial live on YouTube — the first judge in the Northern District of California to use the court's new audio-livestream rule. A look at what the case is actually about, how the trial is structured, and what the public access experiment means for federal civil litigation.

May 8, 2026
Bankruptcy & Aviation

Spirit Airlines Is Gone: The Legal and Financial Anatomy of a Collapse

At 3 a.m. on May 2, 2026, Spirit Airlines shut down permanently after a failed $500 million federal bailout, doubled jet fuel costs, and a second bankruptcy in under two years. A legal and financial breakdown of what happened — and what it means for employees, creditors, and the U.S. budget-travel market.

May 7, 2026
Practice News

Launching Legal Consulting for Florida's Wealthy Collectors and Their Advisors

A new advisory practice from Steven C. Fraser, Esq. — confidential consultation, strategy guidance, execution support, and long-term advice for collectors, family offices, and HNW individuals navigating complex legal terrain.

May 3, 2026
Student Loans

Federal Student Loan Overhaul 2026: SAVE Termination, New Repayment Plans, and Why Inaction Has a Price

The federal student loan landscape has been remade. SAVE is permanently gone, two new plans launch July 1, Parent PLUS borrowers face an irreversible deadline, and wage garnishment is back. A sober walk through the deadlines and decisions every borrower has to make this summer.

May 1, 2026
AI & Mediation

AI in Mediation: A 2026 Ethics Roadmap for Florida Practitioners

The NCTDR and ICODR jointly released AI guidance for third-party neutrals in 2026. Here's what the nine ODR Standards say, where AI helps, and where it threatens the integrity of the process.

April 30, 2026
AI & Law

SCOTUS Declines to Hear the AI Copyright Question: What Thaler v. Perlmutter Settles — And What It Doesn't

On March 2, 2026, the Supreme Court declined to hear the appeal in the AI-generated artwork copyright case. The result: the human-authorship requirement stands. Here is what that means for clients, creators, and counsel.

April 27, 2026
AI & Privacy

AI and Privacy: The Next Frontier — Part 1: Why the Old Privacy Framework Doesn't Fit

Part 1 of a two-part series. Daniel Solove's recent Florida Law Review article reframes how lawyers should think about AI and privacy. The traditional framework is breaking — and lawyers who do not understand why are advising clients on the wrong problem.

April 24, 2026
AI & Privacy

AI and Privacy: The Next Frontier — Part 2: Where the Risks Land in Practice

Part 2 of a two-part series. Biometric overreach, AI hallucinations in legal filings, employer surveillance, and consumer-protection erosion — the four AI-privacy fault lines that Florida and DC counsel are going to be defending against this year.

April 21, 2026
Practice Strategy

From Cost Center to Command Center: The Future of Litigation Is Built In-House

A November 2025 Stanford Law School analysis argues that the modern in-house legal department is becoming the strategic center of corporate dispute resolution — not a cost line. What this shift means for outside counsel, executives, and the firms that serve both.

April 18, 2026
Bankruptcy Practice

FLNB Admin Order 26-001: Mandatory Local Form Orders Take Effect April 30, 2026

Chief Judge Karen K. Specie signed Administrative Order 26-001 on April 15, 2026. Effective April 30, parties in the Northern District of Florida bankruptcy court must use Required Local Form Orders — and material alterations are prohibited.

April 16, 2026
Family Law

Florida Family Court Case Law Update — June 2025: What the OSCA Report Tells Us

The OSCA Office of Family Courts publishes a monthly case law update for Florida judges and practitioners. The June 2025 edition covers four appellate decisions in delinquency, dependency, and adoption — each of which carries practical lessons for family-law practitioners.

April 13, 2026
AI & Regulation

Open Systems Need Lawful Accountability: The Drift Exploit, USDC, and the GENIUS Act

Earlier this month a $270M+ exploit on the Drift Protocol forced the digital-asset ecosystem to confront a tension that has been building for years: open systems require lawful accountability, and accountability requires the right legal architecture. Circle's Dante Disparte makes the case — and so does the law.

April 10, 2026
Bankruptcy Practice

Chapter 13 Debtor Attorney Fees as Administrative Expense After Pre-Confirmation Dismissal: The FLMB Procedure

When a Chapter 13 case is dismissed or converted before confirmation, debtor's counsel can still be paid from funds held by the Trustee — but only if the application is filed and served correctly. The FLMB filing checklist, reduced to a working summary.

April 7, 2026
Personal Development

The 5 Keys to Success — Part 1: Mindset Determines Your Success

First in a five-part series. Why your mental model — fixed versus growth — sets the ceiling for every legal career, every business, and every difficult conversation.

April 3, 2026
Personal Development

The 5 Keys to Success — Part 2: Goals Create the Map

Second in a five-part series. How to set goals that actually pull you forward — micro and macro, measurable and inspiring — without the trap of unrealistic targets.

March 31, 2026
Personal Development

The 5 Keys to Success — Part 3: Modeling Shows What Leads to Success

Third in a five-part series. How studying the people who already did what you want to do shortens the path — without copying their style, their voice, or their values.

March 28, 2026
Personal Development

The 5 Keys to Success — Part 4: Systems Create the Path

Fourth in a five-part series. Why goals fail without systems, and how to build the daily processes that turn ambition into compounding output — drawn from thirty years of law practice.

March 25, 2026
Personal Development

The 5 Keys to Success — Part 5: Perseverance Makes You Successful

Final post in the series. Why perseverance — not talent, not luck, not even systems — is the trait that closes the gap between starting and finishing.

March 22, 2026
Practice Management

Law-Firm File Naming Conventions and Folder Structure: A Working Lawyer's System

A practical, battle-tested file-naming and folder system for solo and small-firm attorneys — covering matter folders, document conventions, version control, and the discipline that keeps it usable five years in.

March 19, 2026
Practice News

2026 Federal Court Closure Calendar — and the Deadline Math Every Client Should Understand

The 2026 federal court closure schedule, why each closure matters for your deadlines, and the small-but-critical deadline-extension rule of FRBP 9006(a) and FRCP 6(a) that quietly saves a lot of cases.

January 5, 2026
AI & Emerging Technology Law

When the Algorithm Gets Your Name Wrong: AI Defamation, Fake Doctors, and the Emerging Duty of Care

Two cases filed in 2026 are drawing the first real legal lines around AI liability — one for what an AI said about a real person, one for what an AI claimed to be. Together they're reshaping how courts will think about accountability in the age of machine-generated content.

May 10, 2026
Thought Leadership

Two Programs, One Principle: When Washington Uses Your Right to Travel as a Collection Tool

Over the past two weeks I've published series across several of my sites about the two federal programs that can cost you your passport. Now I want to step back and say what they actually reveal — about the government, about legal practice, and about the clients who get caught in between.

May 11, 2026