Crushing Debt

This week, we interview Financial Advisor Forrest Baumhover with Westchase Financial Planning. Our office is located in Westchase, just outside of Tampa, Florida. We met Forrest with a Keep It Local networking group. We both enjoy running, and helping people manage their money.  In fact, both Forrest and I will be at FinCon, September 26 - 29, 2018, in Orlando, FL. Forrest retired from the Navy in...

In this week's episode, we interview Doug Nordman ("Nords") about his book The Military Guide, which you can find on his website, the-military-guide.com. Nords joined the Submarine Force (Navy) right out of college and, upon retirement, found that there was a lack of information to show military members how to retire without having to go back to work. The Military Guide provides service-members, v...

In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of Blooom.com (with three "o's"). You'll hear the story of how Blooom.com got started in 2004, how the company created its vision and mission (and sticks to those ideals consistently).  Chris and I talk about why he started a DIY Financial Planning Company and the challenges most of us face when dealing with "t...

In this week's episode of the podcast, we interview our friend, Jim Jenkins, founder of Jenkins Law. Jim started Jenkins Law in 2013 following stints as a Pinellas County Assistant State Attorney (prosecuting people who violated criminal laws), and as an associate attorney at a large Clearwater firm handling personal injury matters. In fact, just about 3 years ago, Jim's wife, Kelly-Ann Jenkins jo...

This week's episode is an issue we get quite often unfortunately. What happens when the Seller knows about a defect with the house and fails to disclose it? What happens when the Seller does not know? What happens when the inspector misses an issue with the house? What happens when the Realtor knows (or doesn't know) about an issue with the house? What is the main case in Florida that discusses th...

Another week, another guest from Podfest Multimedia Expo 2018.  This week's guest is Ryan Kairalla, an entertainment law attorney. You can connect with Ryan: www. BreakTheBusiness.com breakthebusiness@gmail.com Twitter: @ryankair Also check out the Break The Business Podcast, and Ryan's book, Break the Business available on Amazon, Audible, Apple Podcasts and other book outlets that don't begin wi...

The deadline to file your personal income tax return is in a few days.  Therefore, in Episode 109, we talk with Craig Cody, who we met at Podfest 2018, about the 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands. You should use your CPA as a resource to plan for your business. And in that spirit, Craig is offering all of our listeners a gift.  You can pick up Craig's book at: www....

On this week's episode, I talk about a recent case: The mortgage lender modified my client's loan and put the arrears at the end of the loan.  Years later, the mortgage lender wrote off the debt and issued my client a 1099-C, Forgiveness of Debt, showing the home owner had phantom income.  Sometime later, the client came to me to file a Chapter 13 bankruptcy. When the lender filed its claim in the...

This week's episode of the podcast is an interview with Dave Fulk and Frank Coto with Hello Alex. Check out what Hello Alex can do at HelloAlex.io Hello Alex is an Artificial Intelligence system to help Realtors communicate with their clients and prospects.  Hello Alex helps Realtors convert leads over multiple platforms using Artificial Intelligence (text, FB messenger, Live Chat, etc.). For more...

Christie is back for her fourth episode of The Crushing Debt Podcast.  Bear with me this week, as I deal with some laryngitis. Christie and I have discussed student loans, but in this episode, we're going to talk about consumer law - the TCPA (Telephone Consumer Protection Act). The TCPA is designed to stop robocalling, and abuse or harassment of borrowers by creditors.  Creditors can pay damages...

We have a great guest to kick off Year 3 of content here at The Crushing Debt Podcast. We met Mary Wheeler, of Abundant Wealth Solutions, at PodFest Multimedia Expo 2018 this past February in Orlando, FL. Mary is a financial coach who holds local workshops, speaking to high school and college students about the dangers of debt.  Mary's mantra is "Know debt, no problem!" and that makes her a perfec...

In this week's episode of podcast (the last of Year 2), we talk about Property Tax Portability.  Applications to qualify your FL residence as your Homestead were due March 1, however what happens if you move from one primary residence to another? Florida has a "Save Our Homes Cap" that prevents the taxable value of the homestead property from increasing by more than 3% from year to year.  Previous...

In this week's episode, we talk about bankruptcy cases that are DOA or Dead on Arrival - meaning a bankruptcy case that is dismissed within 6 months of being filed. This week's episode is based on an article in the ABI Journal article written by Ed Flynn, a consultant with the ABI (American Bankruptcy Institute.  You'll remember Mr. Flynn, who also wrote an article that was the basis for Ep 79, Ch...

This week, we have a returning guest - Michael Holmes with Delta Credit Restoration.  Michael was a guest on Episode 94. In this week's episode, we talk about Debt Negotiation, and the creditor's violation of debt collection laws.  If you're being contacted by a debt collector, there are some things you can do to protect yourself. To contact Michael, visit his website or call him at 813-567-5855 O...

This week's episode is an interview with Attorney Carmen Dellutri, a Board Certified Bankruptcy Attorney. Carmen can be reached via his website . Or order his new book on Amazon:  Are You The Next Success Story? Take Back Control of Your Finances Email Casey Byrus: CByrus@DellutriLawGroup.com  and let her know you listened to this show, Carmen will mail you a book for free !! Carmen and I talk abo...

I struggled with whether to make Episode 100 something different, or business as usual with another Crushing Debt Topic. I hope you enjoy this combination of the two ... I take a look back at the topics we've covered and the guests we've interviewed, to get a sense of where we've been, and where we are, so we can produce great content for you for the next 100 episodes. If this is the first episode...

In this episode of the podcast we talk, again, to Christie Arkovich about student loan debt relief.  Did your parents co-sign for your student loan? Did your parents borrow money to pay for your education? Federal Parent Plus loans are exactly that, money that mom and/or dad borrow so their child can go to school.  In most cases, the child has an agreement to pay back mom and dad, but this agreeme...

This week's guest is a returning guest from Episode 92 ("What's Your Relationship with Money?").  In this episode we discuss how to B.O.U.N.C.E. back from setbacks. BOUNCE stands for: Beliefs Optimism Understanding Yourself Nurturing Connections Compassion Efficacy (having a sense of the ability to achieve or esteem) In this episode we talk about how to change or overcome your beliefs.  What are s...

In this week's episode, we interview Michael Watkins with Tampa Bay Advisory, LLC. Michael's company helps with tax incentive recovery - basically the ability to reduce a company's bottom line so that the company pays less taxes and makes more money.  Most people know this as cost segregation, which is the ability to depreciate certain asset classes on an accelerated basis different than other ass...

In this week's episode of the Crushing Debt Podcast, I get away from interviews for a bit and talk about Usury Laws. Usury Laws protect consumers from lenders who charge an excessive rate of interest.  I had a usury issue come up in one of my cases and I thought it would be interesting to explore the issue in the podcast. The issue is whether unpaid late charges on a mortgage can be "captured" as...

Welcome to the first Crushing Debt Podcast of 2018! In Episode 95, I interview Gordon Firemark, an attorney for the past 25 years, who helps artists, writers and producers achieve their dreams. Gordon is also a podcaster.  His show is The Entertainment Law Update Podcast .   Gordon and I discuss Entertainment Law and Intellectual Property Law (copyrights and trademarks). Gordon also has The Law Po...

In this week's episode of the podcast (our last of 2017), I interview Michael Holmes with Delta Credit Restoration, which helps clients with debt settlement and credit restoration. Delta Credit Restoration is unique in that they will only seek to eliminate inaccurate information from your credit report, and they also try to educate borrowers to get better decisions around credit so that their clie...

In this week's episode, we have a returning guest, attorney Christie Arkovich, discussing student loan forgiveness under the Public Service Loan Forgiveness Program. Christie and I talked in Episode 50 about different ways to eliminate or negotiate student loan debt. Today, we talk about the Public Service Loan Forgiveness Program - which is a 2007 program instituted by President Bush, that allowe...

This week's guest on the Crushing Debt Podcast is Robin Lavitch with Surpass Your Goals.  Robin is a professional coach for businesses, professionals and tweens. Robin and I discuss your relationship with money, and how your mindset determines how much money you have! Do you experience a situation where you always struggle with having enough money, or do you think "I'll always be okay" and money s...

Nick Raithel is back as a guest on the Crushing Debt Podcast. Nick is back promoting the REI 7-Hour Book, a version of his 7-hour book system to help Real Estate Investors (REI) develop their own 7-hour book. Nick was previously on the show in Episode 64, and his system will help you: - Be viewed as an authority figure in the Real Estate Investor Space - Stand out from other investors (competitors...