בדרך כלל אני לא אוהבת להיתקל בבעיות ברגע האחרון.

Yes. בדרך כלל is a very common fixed expression meaning usually, generally, or as a rule.

It is best learned as one chunk. Literally, it is something like by way of rule / as a rule, but in everyday Hebrew it simply works as an adverb.

Because the speaker is female.

In the present tense, Hebrew verbs agree with the subject in gender and number:

• אני אוהב = I like / I am liking — said by a male speaker
• אני אוהבת = I like / I am liking — said by a female speaker

So this sentence is being said by a woman. If a man said it, he would say:

בדרך כלל אני לא אוהב להיתקל בבעיות ברגע האחרון.

Hebrew often includes subject pronouns even when the verb already shows who the subject is. So אני here is completely natural.

You can sometimes omit it in casual speech if the context is clear:

בדרך כלל לא אוהבת להיתקל בבעיות ברגע האחרון.

But the full version with אני is more neutral and clearer, especially for learners.

Because לא is the normal word for negating a verb.

Here, the verb is אוהבת, so:

• אני אוהבת = I like
• אני לא אוהבת = I do not like

A common learner confusion is with אין, but אין is used for there isn’t / there aren’t or don’t have, not for negating a regular verb like אוהבת.

In Hebrew, the present tense is often used for general truths, habits, and regular preferences.

So אני לא אוהבת can mean:

• I don’t like
• I generally don’t like
• I’m not someone who likes...

The phrase בדרך כלל already gives the habitual meaning of usually, so the present tense is exactly what Hebrew wants here.

Because after אוהב/אוהבת, Hebrew normally uses an infinitive for the next action:

• אני אוהבת לקרוא = I like to read
• אני אוהבת לשיר = I like to sing
• אני לא אוהבת להיתקל... = I don’t like to run into / encounter...

So להיתקל is the infinitive, meaning to encounter / to run into.

That is just the normal infinitive shape of this verb pattern.

The verb is נתקל in other forms, and its infinitive is להיתקל. This is common in the nif'al pattern:

• נכנס → להיכנס
• נפגש → להיפגש
• נתקל → להיתקל

So the להי־ part is not random; it is a regular pattern.

Because one ב is the preposition ב־ and the second ב is part of the noun בעיות.

So it breaks down like this:

• ב־ = in / at / with / on, depending on context
• בעיות = problems

Together:

ב + בעיות = בבעיות

This looks a little strange at first, but it is completely normal in Hebrew spelling.

Because להיתקל is a verb that normally goes with the preposition ב־ for the thing you encounter.

Examples:

• להיתקל בבעיה = to run into a problem
• להיתקל בקושי = to encounter a difficulty
• להיתקל במישהו = to run into someone

So this is similar to learning an English verb together with its preposition, like run into a problem.

Because בעיות is not a direct object here.

The verb להיתקל requires ב־, so בעיות comes inside a prepositional phrase: בבעיות.

Also, את is only used before a definite direct object, and this is neither direct nor definite.

Because the preposition ב־ combines with the definite article ה־.

So:

• ה־ + רגע = הרגע = the moment
• ב־ + הרגע becomes ברגע in normal spelling

That is why you do not see a separate ה before רגע.

The phrase ברגע האחרון means at the last moment. Since the noun is definite, the adjective is definite too, which is why you get האחרון.

Yes. Hebrew word order is flexible.

The original sentence:

בדרך כלל אני לא אוהבת להיתקל בבעיות ברגע האחרון.

is very natural and slightly emphasizes usually by putting it first.

You could also say:

אני בדרך כלל לא אוהבת להיתקל בבעיות ברגע האחרון.

That is also correct and natural. The meaning stays basically the same, with only a small shift in emphasis.