Crushing Debt

Student loan debt is becoming unduly burdensome.  Student loan debt is quickly becoming the biggest area of debt for borrowers who are having trouble making their monthly obligations. Christie and her firm can help people eliminate or negotiate student loan debt that was taken out by a parent or co-borrower for the student, or for schools that have closed. In addition, outside of bankruptcy court,...

In Episode 49 of the Podcast, I discuss the case Bartram v. US Bank National Association , which was decided by the Florida Supreme Court in November 2016. Bartram is a significant decision in Florida because the FL Supreme Court holds that the bank can file a second foreclosure case, after dismissing its first foreclosure case, even if the date that the borrowers stopped making payments is beyond...

In this Episode of the podcast, we have our friend Tiffanie Kellog back for an interview.  Tiffanie has a new book out, Knock the Socks off your Audience, to go along with her first book 4 1/2 Networking Mistakes and its accompanying workbook, Networking for Results. In this episode of the podcast, Tiffanie turns the tables and interviews me on what makes a good referral for Yesner Law, using some...

In this week's episode of the Podcast, we again interview our friend Loren Pincus.  In addition to being a personal injury and criminal law attorney, Loren is also a sports agent for Minor League Baseball. Loren has a few clients who may get called up to the big leagues, moving Loren to the big leagues as an agent himself.  While Loren is a fantastic attorney, you can hear in his voice that being...

When a small business owner files bankruptcy, their company becomes an asset of the bankruptcy case.  Therefore, the business owner needs to evaluate the value of the business. Some business owners want to say that their small business is worth nothing because if they don't work, the company doesn't make money and is worth nothing.  However, the bankruptcy judges and trustees in Tampa will not acc...

In this week's episode, I have a conversation with Tyler Sheff of The Cash Flow Guys .  Tyler is a real estate investor, coach, consultant, podcast host, and most importantly a friend and mentor to me personally. Tyler is one of the real estate investors that does it right.  He always looks for a win-win scenario and coaches his students in the right way to buy and invest in real estate (i.e. with...

Typically, people dealing with foreclosure, bankruptcy or short sales are concerned about the impact those things may have on their credit. We focus on taking the mystery out of your credit score, so that you can focus on eliminating the potential liability to the creditor. However, understanding what makes up a credit score will help when facing foreclosure, bankruptcy or short sales, even though...

In this week's episode of the Podcast, we interview attorney Loren Pincus, with the firm Yanchuck, Berman, Wadley, Zervos & Thomas.  Loren focuses on Criminal Law and Personal Injury Law. What should you do if you're involved in a car accident?  In this week's episode, Loren answers this question, as well as other questions like Uninsured or Underinsured Motorist Coverage, Bodily Injury Coverage,...

Bankruptcy Chapter 6.5 is a term of my creation and it references a situation where a homeowner files Chapter 13 bankruptcy to save their home through a mediated loan modification, but then dismisses the bankruptcy once the modification is completed - thus completing half of a Chapter 13 reorganization (13 divided by 2 equals 6.5). Recently, I posted a blog article and related podcast that asked t...

After a Thanksgiving Break, we're back! In this week's episode, we interview Attorney Nick Ekonomides again, but this time on the issue of commercial foreclosures. Commercial Foreclosures are different than residential foreclosures. Many of the defenses available in a residential situation are unavailable to the commercial defendants. In addition, other issues like assignment of rents and receiver...

In this week's episode of the podcast, we discuss bankruptcy and why it is broken into all odd-numbered chapters, except for one even-numbered chapter. We also go into a little detail about the differences between all of the bankruptcy chapters. We hope you enjoy this week's episode. Please let us know if you have any questions, comments or topics you want us to cover in future episodes. Shawn@Yes...

In this week's episode of the podcast, we interview Matt Friesz with Properly Inspected Home Inspection. When buying a house, we HIGHLY recommend obtaining a home inspection and Matt is one of the best in Tampa Bay.  We discuss what a home inspection covers and what it doesn't cover.  We discuss what types of inspections Matt performs; he can do inspections for home buyers, home sellers, insurance...

In this week's episode, we interview Nickolas Ekonomides, who practices in civil litigation.  Civil litigation and Nick's practice primarily focuses on disputes between businesses that owe money or are owed money. Nick and I discuss non-compete agreements, exclusivity agreements, and other issues that cause disputes between business owners or landlord / tenant. To reach Nick, you can visit his web...

In this week's episode, we interview Barb Hennessey with The Joy Within, a company that uses somatic intuitive training to help people release and recover from their emotional stresses.  Barb can help people who have any type of emotional pain or trauma: the loss of a loved-one, PTSD, financial trauma.  This is where Barb overlaps with Yesner Law; she can help people who are upset at their current...

We come across situations often where one spouse wants to file without involving the other spouse.  Maybe one spouse carries the debt.  Maybe the parties are divorcing.  The questions I get most often are: (1) can I file alone? (2) what happens to the debt of the other spouse? (3) how else will my spouse be affected. Sometimes this also comes up in situations where one roommate wants to file, and...

In this week's episode of the Yesner Law Podcast, we interview David Rosenthal, who is a commercial real estate agent here in Tampa Bay. David has accounting experience and experience with helping his clients review a commercial real estate deal to see if it is a good fit for the client's needs. Commercial and Residential real estate are really two completely different things. Most residential rea...

Hello Yesner Law Podcast listeners.  This episode is all about Wells Fargo and Bankruptcy.  I wrote a blog about this topic below.  For this week's episode, I simply read the blog post because I think the content is still good and accurate.  I hope you enjoy.  If you have questions or ideas for another episode, please contact me at Shawn@yesnerlaw.com or www. YesnerLaw.com . http://www.yesnerlaw.c...

Episode 33 of the podcast features our friend Tanya Cielo of Sky Strategic Marketing, a full service marketing agency based in Tampa Florida. The Sky team specializes in helping business owners soar above their competition and claim their unfair share of business in the marketplace! Tanya helped me with a presentation titled "Avoiding the Business Card Graveyard."  In this episode, Tanya and I dis...

Did you know that Freddie Mac maintains an "Exclusionary List?" Real Estate professionals, including Mortgage Originators, Realtors, Title Companies, Attorneys, Surveyors, Appraisers, and others associated with a real estate transaction may find themselves on this list if they do something that could potentially cause harm to Freddie Mac or its investors. If someone is on the List, they are  The p...

Recently, I posted a blog article titled "Your Attorney's Biggest Frustrations." That post flowed from an idea that I recorded, which became this episode. Why is it important to manage our clients' expectations?  What can we do for clients, and what are we sometimes unable to do for clients? Our goal is to eliminate our clients' financial bullies. It would be difficult to do that if we become anot...

In this week's episode, we interview Kerry Kott with Pure Elements Healing. The intent of the podcast is to provide information to help relieve people from their financial stresses and bullies.  Pure Elements Healing helps to relieve every day stresses, and makes their clients feel safe and secure. Pure Elements Healing offers a variety of stress relief services, including Acupunture, Facial Rejuv...

In this week's episode of the podcast, we talk about different questions a debtor may receive from the bankruptcy trustee. We've covered hundreds, maybe thousands, of these types of creditor meetings over our career and we're pretty comfortable that we've heard almost every question the trustee could ask. While the episode does not contain everything the trustee will ask, it does hit the major poi...

In this week's episode of the podcast, we describe situations where someone who has filed bankruptcy in the past has to file again for the second or third time. We previously posted a related blog describing how long someone has to wait between filing bankruptcies, assuming the previous bankruptcy was successfully discharged. You can find that blog here: http://www.yesnerlaw.com/blog/2016/05/how-m...

In this week's episode of the podcast, we interview Sara Chiarilli, owner of Artful Conceptions, LLC.  Sara is an interior designer, which means that she has a degree in interior design, versus an interior decorator who is someone without a degree who may have an eye for decorating (or maybe not). What are some other differences between Interior Design and an interior decorator? What can Sara do i...

Episode 26 of a weekly podcast means we're half-way to one year's worth of episodes!  We appreciate the support of our listeners! In this episode, we answer a question from one of our listeners!  Our listener, Tyler, bought property at a foreclosure sale of a junior lien (second mortgage, condo association, etc.).  Now the first mortgage is foreclosing to take the house away from the investor.  Wh...