Crushing Debt

What will be the impact of blockchain technology on real estate transactions? What role will title companies play in a closing in the future? What are smart contracts in Real Estate? My guest this week on the Crushing Debt Podcast is a fellow alumni of Cumberland School of Law at Samford University in Birmingham, Alabama, where she still resides today. Megan Templeton is a contract attorney with S...

Why is the majority of the mortgage industry geared against the self-employed business owner? Why is it more difficult to get a mortgage when you're self-employed? What types of real estate loans are available to business owners? On this week's episode of The Crushing Debt Podcast, we talk to Alejandro Szita, a California mortgage broker and real estate broker since 2005. Alejandro is the co-owner...

What is the difference between owning land versus owning a house? How can you create passive income using raw land investment? Today's guest on the Crushing Debt Podcast is Mark Podolsky, the Land Geek.  In today's episode, Mark and I talk about his journey into the world of buying, selling and leasing raw land as an investment. Mark has actively invested in real estate and raw land for almost twe...

How do you create safe, reliable, passive income from the stock market? How is crypto-currency going to massively change our lives? Why is mindset 90% of investing? My guest this week is Mark Yegge, the Wealth Architect. Mark is a lifelong learner, author, course creator, mentor and fund manager. He has traded over $14 Billion worth of securities. Using his experience and expertise, Mark is on a m...

My guest this week lost $50 million in the 2008 Great Recession real estate crash and has recovered! How did he do it? Will the market crash again? What do you say to someone (or to yourself) who is allowing the fear of another 2008-like crash from investing in real estate? My guest this week is Rod Khleif, a real estate investor, podcast host, author and philanthropist, who gained his education t...

What do the wealthy do differently in regards to their money and their investments? Why would you not want to put your money in a 401k? This week's guest on The Crushing Debt Podcast is Stephanie Walter, CEO of Erbe Wealth. Stephanie is a legacy cash flow specialist, capital raiser, syndicator and real estate investor. Stephanie's passion is teaching people to "unlearn" what most of us have been w...

How much money does your spouse make? What about your significant other? What about your roommate or kids? Many clients get confused that bankruptcy is based on their income alone. Unfortunately, when someone files bankruptcy, whether they can file Chapter 7 or 13 is based on the household income whether or not the spouse, significant other, roommate, etc. files bankruptcy. Unfortunately, this can...

Should you pay off your car prior to filing a bankruptcy? Should you pay off your car even if you're not contemplating bankruptcy? If you're in bankruptcy, and circumstances change, should you dismiss your case, or convert to another chapter in bankruptcy? Can you even do that? I think I got my sound fixed from last week's episode, proving that even veteran podcasters get mixed up from time to tim...

Episode 313 of the Crushing Debt Podcast means Week 1 of Year 7 of content!! Plus we're back in the office after taking my recording equipment home after COVID shut everything down in March 2020 (although I understand I may need to tweak my sound). I'm speaking again at Podfest 2022 in Orlando and have the ability to take up to FIVE (5) listeners with me FOR FREE. If you're interested in a free ti...

Do you want improved quality of life? Do you want to get a handle on any financial challenge or problem? Do you want an objective third party to help with financial decisions, or a guide to ease your financial decision-making? Our guest on the Crushing Debt Podcast this week is Financial Coach, Dan Bobick. Dan is NOT a financial advisor, he is the owner of Money Works Coaching, a company focused o...

Work Smarter, Plan Better, Play Louder is the mantra of this week's guest on the Crushing Debt Podcast - Jo DiSanto.  Joe went from $70,000 in debt at age 25, to buying his first home at 30, and is now debt free. How did he do it? Was it luck? Luck is preparation meeting opportunity! About Joe Joe DiSanto is a fractional CFO and consultant to small businesses and high-income individuals. He also f...

Would you be embarassed to get a second job, a part time job, or a side-hustle to create the additional income necessary to eliminate your debt? If you're able to provide for your family, does it really matter that your second job is driving for Uber? Working at a minimum wage job (or another minimum wage job)? What is the positive mindset of someone who owns their own business, but also must work...

Do you worry about financial factors that are outside of your control? Do you feel anxious about your finances? "You do not have to choose between a tremendous financial outcome and living a happy meaningful life." -- Jonathan DeYoe. My guest this week is the author of the best-selling book "Mindful Money." Jonathan DeYoe is an Accredited Investment Fiduciary (AIF) and Certified Private Wealth Adv...

The ability to bluff makes you a good poker player, may make you a good negotiator, but may not help you resolve your debt with your creditors. Who is "Judgment Proof" or "Uncollectible"? In July 2018, I posted a blog titled "Bluffing Your Creditors? Debt Settlement Ain't Poker." You can find that post here: Bluffing Your Creditors? Debt Settlement Ain't Poker | Florida Bankruptcy Lawyer (yesnerla...

Do you come back from vacation amazed at how much you spent while you were away? Do you feel like you have to get back to work just to pay for the great time you just had? If you're listening to this episode of The Crushing Debt Podcast on its day of release, I'll be getting ready to leave for a few days with my family at Disney World in Orlando, FL (about 1.5 hours from where I live in Tampa). Th...

I have podcast episodes and blogs about how to come off of Freddie Mac's Exclusionary List, but today's Crushing Debt Podcast episode discusses what to do if you get a letter that Freddie Mac intends to put you on the List. Is it possible to stay off the List if Freddie believes you should be on the Exclusionary List? For other episodes describing what the List is?  The significance of being on th...

Do you continue to learn? What do you do to feed your body, your mind, and your spirit? Long time listeners know that I read, at least 30 - 45 minutes per day in the morning when I first wake up as part of my daily routine to get ready for my day. The house is quiet and my wife and kids are still asleep (most mornings). Each year, I like to do an episode on some of more impactful books I've read t...

How young did you begin to learn money management skills? How early are you teaching your kids these skills? When did you buy your first home? Do you wish you did sooner? How do you teach your kids how to achieve financial independence at a young age? This week's guest on the Crushing Debt Podcast is Dan Sheeks, the newest Bigger Pockets published author, with his book First to a Million: A Teenag...

Small claims court is designed to allow people to settle their disputes, in court, without using attorneys. The proceedings are a little less formal, there are opportunities to settle the dispute through mediation right at the beginning of the process, hearings are streamlined, and the process is for disputes of $8,000 or less (in Florida). What should you know about small claims court, and why do...

What is your system for setting and tracking your goals? What did you accomplish in 2021? What are you proud of? What could you have done better? What will 2022 bring? Will there be a spike in foreclosures? A spike in bankruptcies? A real estate bubble? Inflation? In this week's episode of The Crushing Debt podcast, I talk about my successes in 2021 and how those can help you, plus my predictions...

Did you know that a HELOC is a second mortgage - it's a home equity line of credit? Did you know that sometimes a second mortgage can be eliminated in a bankruptcy, but sometimes not? What happens when, years later, the second mortgage tries to collect after being included in a bankruptcy? We cover all of these topics and more in this week's episode of The Crushing Debt Podcast. What is a reaffirm...

What could you do with an extra $300 or more in your budget each month? Could you pay off debt faster? Save more money for retirement? Invest? Take a vacation? In honor of our three hundredth episode of The Crushing Debt Podcast, I brainstormed nearly twenty ways to give you back $300 into your monthly budget - whether by cutting expenses or increasing revenue. Some of these techniques are discuss...

What four (or five) creditors can foreclose and take away your primary residence? What legal authority in Florida allows a creditor to take your home? How does the Florida Homestead Laws play into this analysis? What can I do if my credit card company records a judgment against my homestead property? In this week's episode, I describe the four (maybe five) creditors that can take your primary resi...

What is the difference between a Warranty Deed, Special Warranty Deed and Quit Claim Deed? What is a Quick Claim Deed (hint: doesn't exist)? Why is it important to recite marital status on a deed and mortgage? Can someone qualify for financing immediately after being foreclosed (hint: yes!) On this week's episode of The Crushing Debt Podcast, I follow up from episode 296 to talk about the differen...

What do you have to be thankful for this Thanksgiving 2021? The Yesner family has had its share of doctors and hospitals this year and thankfully, everyone is okay! The goal of my podcast is to help people with the general message that "everything is going to be okay." Today I want to try to help with a message that is more health-related.  We're all human and we all have health issues from time t...