Crushing Debt

Happy Halloween! This episode of the Crushing Debt Podcast is all about Bare Bones, or Skeleton Bankruptcy Petitions (I guess that's two spooky topics). A normal bankruptcy petition is in the range of 50 pages, although the first 6 - 7 pages are all that's needed to file and start the case. That's what we mean by "bare bones," only the first 6 - 7 pages, followed up at a later date by the remainin...

On this week's episode of the Crushing Debt Podcast, we highlight our sponsor, Tampa Business Funds, LLC and Steve Hechtman, through their website EasyStartUpFunds.com and TampaBusinessFunds.com. You may recall Steve, and his eclectic ukulele from Episode 164 - Alternative Business Lending. Do you need startup funds for a new business, CBD grow facility, equipment leasing, construction equipment f...

What did you always want to know about bankruptcy but were too afraid to ask? We've got some great listeners of The Crushing Debt Podcast who send in questions from time to time, and if they have these questions, likely you do too. On today's episode, we answer about: - Reaffirmation Agreements - Lien stripping in Chapter 13 - Filing bankruptcy for personally guaranteed debt of an LLC Please conti...

On this week's episode of the podcast, I interview Certified Financial Planner David Wilson Flores. David and I talk about: - How to lower the cost of college and maximize financial aid to minimize debt. - Creating a year end financial planning checklist to save money and minimize savings. You can read David's successful blog and get more information at www. PlanningToWealth.com  or email him dire...

This week, we have our friend Chris Calandra with Elliot Wealth Management Services, LLC, as a guest talking about the seven wealth building rules: 1. Importance of Goal Setting 2. Preparation is Key 3. Developing a Wealth Building Plan 4. You Need a Team 5. Tracking Progress 6. The Power of Diversification 7. Be Careful with Debt You can find Chris at ccalandra@elliottwealth.com  or www.elliottwe...

This week's episode of The Crushing Debt Podcast is the result of a client question - what happens to judgment liens that attach to inherited property? First we have to talk about when liens attach to property and the different kind of liens, then we have to discuss what happens when the person passes who owes the debt.  This week's episode touches on both lien and probate issues. If you have a ju...

Did you know that the Bankruptcy Court for the Middle District of Florida will be the first bankruptcy court in the Country to roll out a program designed to help borrowers repay student loans in a bankruptcy? As of October 1, 2019, the US Bankruptcy Court for the Middle District of Florida will begin to offer a modification program within the bankruptcy to help borrowers negotiate and reduce the...

In last week's episode of The Crushing Debt Podcast, we interviewed Cole Boling of The Boling Group Coaching & Consulting Services. Those who recall, Cole also has a background as a Realtor and it was his wife, Jamie, that was the listener who reached out to me. This week's episode of the show is my interview with both Jamie and Cole around their real estate business.  Jamie is a Realtor with Kell...

It's great meeting fans of the Crushing Debt Podcast, which is how I met my guests this week, and next week. Cole Boling, owner of The Boling Group Coaching and Consulting Services, has over 2500 hours of coaching businesses large and small on setting and achieving goals. While Cole started as a Real Estate Agent, his coaching programs fit any type of business owner, including Realtors and other p...

In this week's episode of The Crushing Debt Podcast, I'm joined again by our associate attorney Lauryn as we discuss a few different topics, including a few listener questions. What is a TRIM Notice? Lauryn's first hearing (solo) as an associate attorney How we helped two different clients eliminate garnishments How we scared off a creditor with one letter Listener Question - how a lien can be rem...

This week's Crushing Debt Podcast Episode is inspired by a few financial advisors we know, including past guests like Forrest Baumhover, and our sponsor, Chris Calandra with Elliot Wealth Management Services. When someone files bankruptcy, their concern is "what can I keep?" That question is answered by reviewing the debtor's exemptions - those things protected under State or Federal Law.  One of...

In this week's episode of The Crushing Debt Podcast, I again visit the Freddie Mac (Federal Home Loan Mortgage Corporation - FHLMC) Exclusionary List. For those who don't know what it is: if a real estate professional (Realtor, Mortgage Originator, Title Company, Inspector, Appraiser, Attorney, etc.) finds themselves on the List, they cannot participate in a real estate transaction involving Fredd...

We have a special guest host on today's episode of the Crushing Debt Podcast, but don't let the cuteness distract you from the content of the episode. Today's episode is a discussion of Florida Statute 501.1377 - Violations involving homeowners during the course of residential foreclosure proceedings. The statute defines: Equity Purchaser Foreclosure-Rescue Consultant Foreclosure-Related Rescue Se...

Last month was a bit rough. But I've always been a believer in mindset and the power of mindset to lift someone out of a bad mood. I appreciate all of you as listeners of the show and thought I would share some of my favorite positive quotes, as a way to lift myself out of this funk, and as a way to help you when you hit a rough patch. Some of these are mine, or I've heard from family. Others I've...

Crushing Debt Podcast audience, meet Lauryn Fabrizio, our new associate attorney at Yesner Law. Lauryn will be joining me from time to time to "co-host" the show, answer your questions, and provide additional knowledge and an additional perspective. On this week's show, we answer a few listener questions regarding various issues, including landlord/tenant law. To contact me with questions, please...

One of my goals is to read - I've set a goal of 30 books in 2019 and I will smash that goal (I'm on book number 24 as this episode is released, although I was working on book 23 as I recorded the episode).  When I mention "reading" books, I mean legitimately reading physical books or books on my kindle. I am not including audio books, because I listen to podcasts while I drive around. In this epis...

On this week's episode of the Crushing Debt Podcast, I answer more listener questions related to foreclosure law and title law, and I continue to describe my love-hate relationship with foreclosure mediation. If you have questions that you want me to answer on future episodes, please interact with me on social media, send me an email at Shawn@YesnerLaw.com or contact me through the website www. Ye...

Nick Raithel has been a great friend and resource to The Crushing Debt Podcast, introducing us to some of our best guests, being a guest himself on episodes 64 and 91, and having me on his show - 7 Rules for Real Estate Investing. Nick was kind enough to provide us with a portion of the content from when I was on his show, Episode 9, which is the topic of today's episode. Nick and I talk about my...

This week's guest on the Crushing Debt Podcast is one I've been trying to get on the show since its inception, so I am so excited to have him on finally! Charles Shapero is the owner of Widget Bookkeeping & Tax, where his mission is to help his clients pay the lowest amount of tax legally possible using his knowledge of the Internal Revenue Code and his 20+ years experience as a CPA.  I met Charle...

This week's episode of The Crushing Debt Podcast is my interview with Adam Ulery and Kevin Galang, Tech Guys Who Invest. I had the honor to be guest number one on the Tech Guys Who Invest Podcast a while back and wanted to return the favor by having the guys on my show. Adam invests mostly in multi-family properties and Kevin invests mostly in promissory notes. They both invest as a way to get pas...

This week's podcast was inspired by our friend and Realtor Tom Scaglione, an agent at Future Home Realty. https://www.facebook.com/tom.scaglione Tom has forgotten more about the Tampa Bay Real Estate market than most Realtors will ever know. Tom posted about the various laws that passed during the 2019 FL Legislative Session like: Legislation related to expired or old permits Approval of remote no...

In this week's episode of the Crushing Debt Podcast, I interview Linda McElhaney. Currently, Linda works as a purchasing manager at Freedom Square Nursing. As a side-gig or side-hustle, Linda started a Mary Kay business and is now working on being a Director. Some benefits of having her Mary Kay business, Linda has: Learned to Budget, Plan and set Goals; Grown as a person and professional; Has Ext...

In this week's episode of the Crushing Debt Podcast, I talk about Preparation. Twice a year, my community has a garage sale.  I find Garage Sales to be low-risk environments to practice your negotiation skills. This is the fourth time I've had the opportunity to practice something at my community's garage sale to help my negotiation skills. If you want to listen to previous episodes on this topic:...

I'm excited about this week's episode of The Crushing Debt Podcast, because my guest didn't know she was going to record an episode when she walked into my office, and her boss has been trying to get on the show for a while now. I've known Madison Thayer, the Community Connector for SEC Inspection Services for a little more than a year.  I've know her boss, and the owner of the company, Melissa Me...

On this episode of The Crushing Debt Podcast, we talk about Solar with Tim Converse of Solar Solutions, Inc. Tim has owned Solar Solutions for more than 22 years and has been in the solar industry for 26 years. Tim's company can provide an energy audit to see if Solar is good for you.  You can use solar to heat your pool, power your house, and provide you a tax credit (which does diminish every ye...