Crushing Debt

In this week's episode of The Crushing Debt Podcast, we talk about professional liability insurance, malpractice insurance, errors & omissions insurance, and E&O insurance with our friend, show sponsor, and referral partner, Sam Cohen of Attorneys First Insurance Agency. Sam and I talk about a variety of topics including: The differences between professional liability, malpractice, errors & ommiss...

I have remained silent about the racial issues in our Country. The reason for my silence is that: (1) I didn't know what to say, and (2) I didn't know how to say it in a manner that gives respect to what our Country is going through right now. On this Bonus Episode of the Crushing Debt Podcast, I talk with my friend and referral partner, Bridgette Domingos, owner and founder of Domingos Law, a cri...

Last week, I spoke with Richard Ficca of Florida Coastal Insurance Agency about business interruption insurance.  This week, we get the perspective of my friend and referral partner, Jim Jenkins, on the same issue, from a legal perspective. Jim is the founding attorney of Jenkins Law PL, a lawfirm that handles business interruption claims, first party insurance claims, and personal injury claims t...

In this week's episode of The Crushing Debt Podcast, I interview my friend, referral partner, and property & casualty agent, Rich Ficca, owner of Florida Coastal Insurance Agency. With many businesses feeling the sting of COVID-19 and the resulting loss in business, Rich and I discuss Business Interruption Insurance claims, specifically: What is Business Interruption Insurance? The impact of Busin...

On this week's episode of The Crushing Debt Podcast, we're happy to have Brian Morris back on the show to talk about his new book - How to Wipe Your Dad's Ass and Other Things his Doctor won't tell you about Alzheimer's. Brian is NOT a doctor, nor is he a licensed caregiver for people suffering from dementia. Brian IS a son who watched and cared for his father who eventually did die from Alzheimer...

What can you do to protect your home from foreclosure if you've lost income or your job during the COVID-19 shutdown? As we re-emerge and re-open the economy in Phase 1, what should you do if you fell behind in your mortgage payments over the last few months? A few weeks ago, I was interviewed on Tampa Bay Today with Shriner on Money Talk 1010 AM . I thank Money Talk 1010AM and Tampa Bay Today wit...

In this week's episode, I take some time to answer some great listener questions. Thank you all for keeping the questions coming in!  I hope all of you are staying safe during the pandemic. Here in Tampa, FL (and in many other areas) starts Phase 1 to "reopen" the Country.  We hope that everyone continues to stay safe and wash your hands! Today, we cover: Are payments to my chapter 13 trustee refu...

The COVID-19 pandemic caused Congress to pass the Coronavirus Aid, Relief & Economic Security Act - the CARES Act. While most people talk about the SBA Lending, Payroll Protection Plan (PPP) and Economic Injury Disaster Loans (EIDL), many people don't know or understand the rest of the Act and its impact on your ability to make and save money. In this week's episode of The Crushing Debt Podcast, w...

We're happy to have Sarry Ibrahim on today's episode of The Crushing Debt Podcast to talk about how to Bank on Yourself for Asset Protection. You may recall Sarry's associate, Mark Willis on Episode 191 , who first introduced us to the Bank on Yourself concept.  Sarry takes it a step further to discuss asset protection! Sarry and I discuss: What is the Bank on Yourself policy? How can Bank on Your...

Bill Reiman had me on his podcast, The Real Build. We had such a great time and talked about so much great information, that I had to return the favor and have him on The Crushing Debt Podcast. Bill is a Real Estate Broker and Custom Home Builder in the Marco Island - Naples area of Florida. RK Reiman Construction started in 1986 with Bill's father and the company now includes his brother and sist...

On this special Bonus episode of The Crushing Debt Podcast, we talk about Governor DeSantis's Executive Order, No. 20-94 regarding a stay on mortgage foreclosures and evictions in Florida based on COVID-19. You can find the Executive Order here . We also interview our friend, Bill Mantooth the Area Manager for Loan Depot, the largest purchase mortgage lender in the Country, about mortgage forbeara...

In this week's episode of The Crushing Debt Podcast, we interview attorney Jeff Love of Gibbs Giden law firm. Jeff's practice focuses on real estate transactions, multi-family investing and syndications. In this week's episode, Jeff and I talk about: What is the real estate market going to do? Are we facing another Great Recession, or merely a market correction? What is the current local market in...

This week's episode of The Crushing Debt Podcast is for our real estate investor listeners. I interview bankruptcy lawyer, asset protection lawyer, and CPA Mark Pierce about asset protection. Mark is a Wyoming attorney who uses Wyoming LLC laws, and asset protection trusts to help his clients avoid liability.  Specifically, we talk about: Advantages and disadvantages to form your LLC in your home...

In this week's episode of the Crushing Debt Podcast, I interview bankruptcy lawyer, consumer advocate, and founder of Collateral Bankruptcy Services, Ian Leavengood. Collateral Bankruptcy Services (CBS) helps borrowers return their secured vehicles to the creditor.  In today's episode, we talk about: What CBS is and how it started. Who CBS helps, and when. What a 521 letter is and why its relevant...

Professional and collegiate sports have been cancelled, foreign travel is suspended, schools are closed, conferences are cancelled, the markets are in a state of shock.  While we all self-quarantine, force-quarantine, and practice "social distancing" I thought I would string together some interviews to discuss the impact of COVID-19, or the Coronavirus, on the economy.  Thank you all who provided...

In this week's episode of the Crushing Debt Podcast, I discuss bankruptcy code sections 362(b)(22) and 362(l). Why are these sections important? They describe the landlord's rights when a tenant files bankruptcy. The landlord's next step after the tenant files eviction is going to be determined by: (a) whether the landlord has a judgment for possession, and (b) what the tenant represents to the Co...

Fresh off the heals of Podfest 2020, and Episode 208 (Top 10 things to Generate Referrals from a Conference), one suggestion to grow the show was to create bonus episodes. I'm not going to do these very often, probably when I have a non-legal topic (like today). To refresh: Goals- had two of them and accomplished both.  Tools - my shirts, stickers, books, and business cards. Never Eat Alone - I ne...

Welcome to the last show of year four of content for The Crushing Debt Podcast! Like last year's episode at around this same time, as you listen to this show (if you listen on the day of release) I'll be on my way to Orlando for Podfest Multimedia Expo 2020. This will be my fourth year attending and my third year speaking! In this episode, I provide my top ten (plus one bonus) tips on how to gener...

In this week's episode of the Crushing Debt Podcast, I cover three different topics: 1. Beneficial amendments to Florida's Documentary Stamp Tax statutes, eliminating this particular tax for transfers of property between spouses. 2. Partition lawsuits and why it is never a good idea to gift real estate to your significant other, and expect to be repaid when for household expenses when the relation...

Student Loans are not dischargeable in bankruptcy, right? Maybe they are! This week's Crushing Debt Podcast Episode is about the case Rosenberg v. NY State Higher Education Services Corp. For those of you who want the case cite, it is pending in the Bankruptcy Court in the United States District Court, Southern District of New York.  Case No. 18-35379, Adversary Proceeding 18-09023. The majority o...

Almost every year, I attend the Judge Alexander Paskay Memorial Bankruptcy Seminar sponsored by the American Bankruptcy Institute (ABI).  By attending at least every other year, I earn all of the Continuing Legal Education I need for each 3-year reporting cycle. At this year's seminar, I was able to grab some quick interviews with four attorneys: Traci Stevenson - Chapter 7 Trustee, and Bankruptcy...

On this week's episode of the Crushing Debt Podcast, I interview structural engineer, Australian, Real Estate Investor, Author and Podcast host Reed Goossens. You'll hear Reed's story of how he left Australia to move to the United States and ended up building a portfolio of over $200 million in multi-family real estate holdings. You will hear about Reed's influences, including Rich Dad Poor Dad by...

I am an avid reader, and make time nearly every morning to read while the house is quiet and the wife & kids are still sleeping. In 2019, I read 41 books, and when I use the word "read" I mean I physically held the book in my hand and turned the pages.  I do applaud all of those who listen to books on audio, but there's nothing like sitting in quiet and reading. Plus, I use my drive time to listen...

In this week's Episode of The Crushing Debt Podcast, I talk to Clint Haynes, CFP, founder and president of Next-Gen Wealth.  Clint created the Financial Freedom Blueprint Course and, as a special offer to listeners of the Crushing Debt Podcast, has provided a coupon code for you to use the materials in the course to get your finances under control, or give your finances the tweak you need to accom...

While we try to be thorough with our client consultations, there is a lot of information to take in regarding the process of filing for bankruptcy. In early 2019, during our strategic planning for 2019, I heard about a "turbulence report" (and I wish I could remember from where).  The concept is to provide clients with as many different instances where the bankruptcy case could experience some com...