Crushing Debt

In looking back on last year, I accomplished many of the goals that I set for myself.  In this week's episode of The Crushing Debt Podcast, I lay out my system for setting and accomplishing those goals. If you want a copy of my system, please let me know at Shawn@YesnerLaw.com  or www. YesnerLaw.com    

In this week's episode of The Crushing Debt Podcast, I talk about a few tips to help you budget. As I've always said, there are two ways to get more money - increase income and decrease expenses.  In this week's episode, I talk about ways to use your budget to do both. - Tips to increase the amount of money you receive each payroll - Tips to decrease monthly expenses What are some of your favorite...

In this week's episode of The Crushing Debt Podcast, I have a return guest. Rob Kellog is my guest this week.  Rob is the host of the Brewin Up Business podcast.  Rob and I, over a few adult beverages, discuss intellectual property law and at what point should you apply for a trademark and what that process entails. To attend one of Rob's live Brewin Up Business events, you can visit his website a...

One of the questions I'm asked most often, "What is the difference between a Chapter 7, Chapter 13 and Chapter 11?" This week's episode answers that question. Chapter 7 is called liquidation. The Trustee will take any non-exempt assets, turn them into cash and pay off creditors. If all of your assets are exempt (protected) the creditors get $0.00. Chapter 13 is called reorganization. The Trustee w...

This week's episode of The Crushing Debt Podcast is our fourth (or third and a half) interview with our friend Tiffanie Kellog. Tiffanie and I discuss a question I've tackled over the last few episodes - what are some tactics to motivate referral sources who are all the same profession?  How do you give back to a group of similar professions that all refer you business. There are 16 different rela...

I've always said that there are two way to create money to pay down or pay off your creditors: (1) make more money, or (2) cut expenses. One of the ways I've been able to make more money is through word of mouth networking, and many episodes of the Crushing Debt Podcast discuss networking topics. Some episodes that talk about networking in general are 133 (FinCon2018), 33 (Business Card Graveyard)...

In this week's episode of The Crushing Debt Podcast, I take a look at the different reasons our clients come to us for bankruptcy protection: Divorce Loss of a Spouse Medical Bills An Injury that cause time off work Credit Card Debts and Repossessions IRS Debt Loss of Income / Loss of Job Closed Business Foreclosure Student Loans These types of debts do not discriminate between Chapter 7 & 13, and...

In this week's episode of The Crushing Debt Podcast, I talk about a topic requested by our listeners - divorce, real estate and debt. While I've talked about each of these subjects in some manner, this is the first episode dedicated to the intersection of all three. What should you know about real estate that you jointly own with your ex?  What should you know about debt that you jointly owe with...

In this week's episode of the Crushing Debt Podcast, I interview Conor Richardson, author of The Millennial Money Makeover book which will be released on Jan. 1, 2019, so order your copy now at www. MillennialMoneyMakeover.com .  Conor is a CPA and Author who earned his Accounting and Finance Degree at the University of Georgia.  Once he obtained his Masters of Accounting degree from Villanova and...

Happy Thanksgiving from The Crushing Debt Podcast and Yesner Law! I recorded this episode while waiting for my open house to start.  The open house was a celebration of my 20 years practicing law, so it provided a great opportunity to review 2018.  I also provide some insight into how I set and track goals.  I also look forward to 2019. Thank you all for being listeners to the show!  If you have q...

In this week's episode of The Crushing Debt Podcast, I talk to the Cash Wise Ex Wives, Kayla Sloan and Shanah Bell.  I met Kayla and Shanah at FinCon 2018 in Orlando a few months ago. Kayla and Shanah are both divorced themselves and met at FinCon 2017. They talked about their journey of divorce and debt and, although each had their own business, they had people continue to come to them asking for...

I have another returning guest with this week's Crushing Debt Episode.  Barb Hennessy was a guest WAY back in episode 37. Today Barb is back to talk about her role as Director of the BSW Academy USA, Inc. and how she helps as an interventionist for PTSD. Barb helps people with depression and suicide, anxiety, and special needs.  For more information, contact Barb at Barb@TheJoyWithin.us  or any of...

On this week's episode of The Crushing Debt Podcast, we're happy to have a returning guest, Brian Morris, the Profit Prophet. We last spoke with Brian in Episode 57 and, since then, Brian has had a shift in his business model.  Today, Brian works with companies to help them find the best service providers in 5 areas of concentration: Direct Costs, Qualification for Grants, Work Flow Processes, Ris...

In this week's episode of the Crushing Debt Podcast, we talk with fellow attorney, fellow author, and fellow FinCon2018 attendee Leslie Tayne. Leslie is a New York attorney.  In addition to her practice (similar to ours) that covers many aspects of debt elimination, Leslie wrote a book called Life & Debt which you can pick up on Amazon .  You can also visit her website at www.taynelaw.com  or emai...

On October 29 & 30, 2018, I have the honor of speaking at the Buy It, Rent It, Profit! Multi Family Summit at the Holiday Inn Westshore .   In this week's episode of the Crushing Debt Podcast, I speak to the host of the event, best-selling author, real estate investor, and thought leader in property management and multifamily housing, Bryan Chavis. While this month's event is at the end of October...

In this week's episode of The Crushing Debt Podcast, we interview Monica Shah, MBA, Money and Marketing Coach. Monica was $25,000 in debt until she changed her money mindset.  She now helps her clients eliminate debt through her Money Making Marketing Calendar In this week's episode, I talk to Monica about her steps to get out of debt: 1. Review your numbers 2. Track you numbers 3. Do Revenue Gene...

This week's episode was recorded when I presented to a group of Realtors at Become a Better Agent 28 ("BABA") which is an educational seminar hosted by Insured Title Agency and Synergy Title here in Tampa Bay. BABA's purpose is to identify the needs of an ever-changing market and meet those needs more effectively through disruption, innovation and creativity.  If you're in the Tampa Bay Area, defi...

When this episode is first released, I will be attending FinCon 2018 in Orlando, so I thought I would do an episode about how I network at a large event. I talk about tips, tricks and strategies to maximize your attendance at an event.  What are your goals?  What do you want to accomplish? How will you know that the conference was a success?  Who do want to meet with?  What attendees?  What speake...

I've often talked and blogged about the Freddie Mac Exclusionary List. This week's episode of The Crushing Debt Podcast focuses, again, on tips, techniques and strategies to come off of the List. A real estate professional (Realtor, Mortgage, Buyer, Seller, Investor, Title Company, Attorney, Inspector, Appraiser, etc.) who finds themselves on the Exclusionary List cannot participate in a real esta...

In this week's episode of The Crushing Debt Podcast, we make our first venture into the topic of Blockchain technology and crypto currency with Joseph Snyder and Chris Brown. Joseph is the CEO of Lannister Holdings and Chris is the CTO (Chief Technology Officer).  You can find out more about them at www. LannisterHoldings.com . Lannister Holdings is a fiscally conservative, publicly traded holding...

This week's guest on the Crushing Debt Podcast is Claudia Mitchell-McLeod with Next Level Financial Partners. We met Claudia through our friend Robin Lavitch of Surpass Your Goals (you can hear Robin on Episodes 92 and 98 - or follow us on Facebook where we will post links to those episodes). Claudia has been in Financial Services since 2000, starting as a benefits administrator and then moving in...

Unsure what to say about this week's episode.  I fired up the mic after a particularly troublesome "mediation" I had with Ocwen.  I put "mediation" in quotes because the bank was clearly not mediating in good faith - and they rarely do. In a typical mediation, one party starts with one perception of the case, and the other party starts with a competing perception of the case.  The role of the medi...

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) made major revisions to the Bankruptcy Code.  In this week's episode of The Crushing Debt Podcast, we talk about one of the more sweeping changes - the Means Test. The means test is complicated and there is an art and a science to completing the information.  The means test is important because it helps determine whether...

In this week's episode of the Crushing Debt Podcast, we interview Gordon Newton, President and Co-Founder of the Newton Group. Do you have a timeshare that you don't want anymore?  Were you "oversold" on your timeshare?  Are you interested in buying a timeshare? If so, check out "The Consumer Guide to Timeshare Exit" written by Gordon, which is available on his website at www.newtongrouptransfers....

In this week's episode, I go over Schedules I & J of the Bankruptcy Petition. Schedule I describes the debtor's income - all sources of the debtor's income: wages, income from operating a business, interest and dividends, family support (like alimony and child support), unemployment, social security, pension, government assistance, and "other."  Basically any and every source of income must be dis...