Crushing Debt

In this week's episode, we answer a question from a listener in Colorado. "I no where near the point of bankruptcy, but my husband and I have a lot of debt and are treading water trying to stay afloat most of the time.  Any tips on consolidating debt or getting things paid off quickly for the self-employed." First, the laws are different between Colorado and Florida. Second, what type of debt are...

Would you like to write a book in seven hours or less?  Do you want a system to get a professionally-published book in seven hours or less? This week's guest is Nick Raithel of The Seven Hour Book.  Nick can put together content, create graphics, help with publishing, and anything else necessary to get a book completed that you write! So how does this have to do with Crushing Debt?  Writing a book...

Episode 63 of the Crushing Debt Podcast is our interview with Juliet Kyes of ActionCOACH Tampa Bay. One way to eliminate debt is to work with a business coach and ActionCOACH Tampa Bay is one of the best,  not only in the Tampa Bay area, but also within the ActionCOACH Franchise. Juliet and I discuss: - The Five Ways, which is an ActionCOACH system designed to help increase results in business. -...

In this week's episode, we explain the difference between an Eviction, and Ejectment and an Unlawful Detainer lawsuit. Sometimes, landlords and even Courts and attorneys confuse the difference between the three types of cases. All three types of lawsuits accomplish the same goal - getting someone or something off or out of the owner's property.  However, how we get there is different for each type...

In this week's episode of the Crushing Debt Podcast, we interview Andrew Gordon with Reliable Claims Adjusting.  Andrew is a Public Adjuster - meaning he works for the insured (the homeowner) versus the insurance company. Andrew is the insured's advocate against the insurance company to maximize recovery when there is a loss that is covered by insurance. In this week's episode, we discuss some thi...

I polled a group of about 100 FL Realtors on which residential real estate contract is better for Buyers or Sellers, the "As-Is" Contract or the Repair Limit contract. The answers are in this week's Crushing Debt Podcast! I regularly speak at BABA (Become A Better Agent) for Insured Title Company.  The last time I spoke, we debated the pros and cons of the two versions of the Florida Real Estate C...

Episode 59 of the Crushing Debt Podcast is a great interview with Jason Crawford. Jason's company is called Fierce, Inc., and they help clients with visual marketing. Fierce, Inc. takes your message, your vision and mission, and describes those things visually, to create more engagement with your customers, clients, referral sources, and the general public. We talk about social media, Facebook Liv...

In Episode 58 of The Crushing Debt podcast, we discuss a case called In Re: Failla. This case impacts both bankruptcy and foreclosure cases in Florida, and was a win for lenders, against homeowners and borrowers. Mr. and Mrs. Failla bought a house in Boca Raton, Florida.  Eventually circumstances caused them to fall behind on their mortgage and the bank filed a foreclosure.  The Faillas then decid...

Regular listeners to the Crushing Debt Podcast know that we are HUGE fans of AFLAC. In this week's episode, we interview Brian Morris, We talk about a very personal story about why Brian became an AFLAC Agent. AFLAC helps people with short term disability for accidents, cancer, and other situations.  AFLAC pays money to bridge the gap between the promise of health insurance, and the protection of...

In Florida, there is a committee made up of 10 Realtors and 10 attorneys that get together every few years to review the standard form contract in use by most residential real estate agents in Florida.  The contract is called the FAR/BAR (Florida Association of Realtors / Florida Bar).  The intent of the contract is to provide a fill-in-the-blank form for Realtors to use to avoid an allegation of...

In Episode 55 of the Podcast, we interview Marielis Rivera, a personal injury attorney with the firm of Pipas Law Group . Like me, Marielis started on the "other side" representing insurance companies being sued by injured parties. Now, however, Marielis represents only injured parties. Many times, injured parties are unable to work because of their injuries and, when income drops, there is a ton...

In this episode of the podcast, we talk about a former client and an aggressive strategy we used to eliminate a potential mortgage deficiency. The client was divorced and her ex-husband kept the property. The problem for our client was that she was still on the Promissory Note and Mortgage. The divorce did not (and can not) eliminate her liability to the lender under the promissory note and mortga...

Welcome to Year 2 of the podcast.  As you have seen from previous episodes, we have re-branded the podcast and it is now The Crushing Debt Podcast, where our goal is to help you eliminate the financial bullies in your life. This week's episode is a review of the different laws that expired at the end of 2016, and some new case law that impacts foreclosure defense in 2017 and going forward, unless...

Welcome to the last episode of the first year of the podcast! In this week's episode, we have a repeat guest, Jason Avery of Avery Construction and Constructing Debt. However, in this episode of the podcast, we talk to Jason about Room Full of Referrals provided by Jason through the company, Asentiv. In Room Full of Referrals, we learn that people are faster paced or slower paced, people oriented...

In this week's episode, we interview attorney Kelly Petry.  Kelly and I discuss issues with Student Loans. Kelly and I discuss whether student loans are dischargeable in bankruptcy court, how student loans are treated in bankruptcy court, and some things that we can do in bankruptcy court to address the debtor's student loans. In certain circumstances, student loans are dischargeable.  In Tampa, w...

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...