Crushing Debt

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...

One question we received this week from a client: "I'm buying a house from my parents, should I get title insurance?" The Florida Department of Financial Services licenses and oversees Title Insurance in the State of Florida.  They put out a great guide to title insurance that we review in today's episode of The Crushing Debt Podcast. The link to download the guide is: https://www.myfloridacfo.com...

We've talked before on the Crushing Debt podcast about student loans and how to eliminate the high cost of paying for an education. One of the best ways is if the student loan qualifies for discharge under the PSLF program (Public Service Loan Forgiveness). This week's guest on the show is Jason DiLorenzo, founder and CEO of www. PSLFJobs.com . The website helps provide information to student loan...

We are happy to welcome back our friend, former sponsor, and repeat guest Chris Calandra with Elliott Wealth Management Services to talk today about the four drivers of the 2021 real estate market. You can hear Chris on Episodes 157 (wealth management), 162 (life insurance), 186 (seven wealth building rules) and 210 (pandemic's impact on the economy) and he brings a TON of knowledge and content ea...

What is your vision in terms of money? What are your values surrounding money and debt? In this week's episode of the Crushing Debt Podcast, we interview our friend and returning guest, Marleta Black about her new book, Say ... Something: The Adventure of Finding the Right Words to Express Your Desires, Reduce Drama and Create Connection. I read the book and thought it was great - it is broken int...

If you are ever the target of a frivolous lawsuit, is your stuff protected? What if the lawsuit is legitimate, is your stuff protected? What happens to your stuff when you die? This week's guest on the Crushing Debt podcast is attorney Michelangelo Mortellaro, who has been practicing since 2007 in the areas of estate planning and elder law. In 2020, Michelangelo started Fortress Asset Protection w...

How much due diligence goes into filing bankruptcy? What are the document requirements? While these are not questions I get from clients too often, they are two of the most important questions when considering a bankruptcy filing.  Why? Because failing to do any due diligence prior to filing could get both the client and the law firm (and me) in trouble with the bankruptcy court.  And when you get...

Do you buy properties at the foreclosure sale? Do you buy at the foreclosure sale of the condominium or homeowner association? If so, you may end up with a property that has no equity AND still be responsible to pay the association every month. This week's episode is also based on Episode 26 where I discuss lien priority, and is also based on an actual client who bought three association propertie...

Bankruptcy can be a great tool to help give someone a fresh start and relief from overwhelming debt. However, it is very often misunderstood - I have numerous shows dealing with the topic, including debunking myths surrounding bankruptcy. Today's show is an interview I did with Credit Kristi, who you can hear on my previous episode 247. Kristi started her own podcast called Credit Coaching by Kris...

You added someone to the deed of your house - maybe years ago, maybe months ago - and now you want them off of the deed.  How do you do that? That is the topic of today's Crushing Debt Podcast episode, and the answer is both simple and complex. I also take some time to update you on what Yesner Law is up to in the coming months, specifically: The Great Westchase - a great 10k, 5k, 1-mile race thro...

Do you have a student loan owned by the Department of Education (rather than a private student loan) AND a finding of disability by the Social Security Administration?  There's been a change in the law to link those two things to provide a disability discharge of your student loan! On this week's episode of The Crushing Debt Podcast, we are happy to have returning guest Christie Arkovich to talk a...