Crushing Debt

In this week's episode of the podcast, we discuss bankruptcy and why it is broken into all odd-numbered chapters, except for one even-numbered chapter. We also go into a little detail about the differences between all of the bankruptcy chapters. We hope you enjoy this week's episode. Please let us know if you have any questions, comments or topics you want us to cover in future episodes. Shawn@Yes...

In this week's episode of the podcast, we interview Matt Friesz with Properly Inspected Home Inspection. When buying a house, we HIGHLY recommend obtaining a home inspection and Matt is one of the best in Tampa Bay.  We discuss what a home inspection covers and what it doesn't cover.  We discuss what types of inspections Matt performs; he can do inspections for home buyers, home sellers, insurance...

In this week's episode, we interview Nickolas Ekonomides, who practices in civil litigation.  Civil litigation and Nick's practice primarily focuses on disputes between businesses that owe money or are owed money. Nick and I discuss non-compete agreements, exclusivity agreements, and other issues that cause disputes between business owners or landlord / tenant. To reach Nick, you can visit his web...

In this week's episode, we interview Barb Hennessey with The Joy Within, a company that uses somatic intuitive training to help people release and recover from their emotional stresses.  Barb can help people who have any type of emotional pain or trauma: the loss of a loved-one, PTSD, financial trauma.  This is where Barb overlaps with Yesner Law; she can help people who are upset at their current...

We come across situations often where one spouse wants to file without involving the other spouse.  Maybe one spouse carries the debt.  Maybe the parties are divorcing.  The questions I get most often are: (1) can I file alone? (2) what happens to the debt of the other spouse? (3) how else will my spouse be affected. Sometimes this also comes up in situations where one roommate wants to file, and...

In this week's episode of the Yesner Law Podcast, we interview David Rosenthal, who is a commercial real estate agent here in Tampa Bay. David has accounting experience and experience with helping his clients review a commercial real estate deal to see if it is a good fit for the client's needs. Commercial and Residential real estate are really two completely different things. Most residential rea...

Hello Yesner Law Podcast listeners.  This episode is all about Wells Fargo and Bankruptcy.  I wrote a blog about this topic below.  For this week's episode, I simply read the blog post because I think the content is still good and accurate.  I hope you enjoy.  If you have questions or ideas for another episode, please contact me at Shawn@yesnerlaw.com or www. YesnerLaw.com . http://www.yesnerlaw.c...

Episode 33 of the podcast features our friend Tanya Cielo of Sky Strategic Marketing, a full service marketing agency based in Tampa Florida. The Sky team specializes in helping business owners soar above their competition and claim their unfair share of business in the marketplace! Tanya helped me with a presentation titled "Avoiding the Business Card Graveyard."  In this episode, Tanya and I dis...

Did you know that Freddie Mac maintains an "Exclusionary List?" Real Estate professionals, including Mortgage Originators, Realtors, Title Companies, Attorneys, Surveyors, Appraisers, and others associated with a real estate transaction may find themselves on this list if they do something that could potentially cause harm to Freddie Mac or its investors. If someone is on the List, they are  The p...

Recently, I posted a blog article titled "Your Attorney's Biggest Frustrations." That post flowed from an idea that I recorded, which became this episode. Why is it important to manage our clients' expectations?  What can we do for clients, and what are we sometimes unable to do for clients? Our goal is to eliminate our clients' financial bullies. It would be difficult to do that if we become anot...

In this week's episode, we interview Kerry Kott with Pure Elements Healing. The intent of the podcast is to provide information to help relieve people from their financial stresses and bullies.  Pure Elements Healing helps to relieve every day stresses, and makes their clients feel safe and secure. Pure Elements Healing offers a variety of stress relief services, including Acupunture, Facial Rejuv...

In this week's episode of the podcast, we talk about different questions a debtor may receive from the bankruptcy trustee. We've covered hundreds, maybe thousands, of these types of creditor meetings over our career and we're pretty comfortable that we've heard almost every question the trustee could ask. While the episode does not contain everything the trustee will ask, it does hit the major poi...

In this week's episode of the podcast, we describe situations where someone who has filed bankruptcy in the past has to file again for the second or third time. We previously posted a related blog describing how long someone has to wait between filing bankruptcies, assuming the previous bankruptcy was successfully discharged. You can find that blog here: http://www.yesnerlaw.com/blog/2016/05/how-m...

In this week's episode of the podcast, we interview Sara Chiarilli, owner of Artful Conceptions, LLC.  Sara is an interior designer, which means that she has a degree in interior design, versus an interior decorator who is someone without a degree who may have an eye for decorating (or maybe not). What are some other differences between Interior Design and an interior decorator? What can Sara do i...

Episode 26 of a weekly podcast means we're half-way to one year's worth of episodes!  We appreciate the support of our listeners! In this episode, we answer a question from one of our listeners!  Our listener, Tyler, bought property at a foreclosure sale of a junior lien (second mortgage, condo association, etc.).  Now the first mortgage is foreclosing to take the house away from the investor.  Wh...

This week, we interview Kelly Jenkins, who helps with merchant services - in other words, credit card processing.  Kelly sells the technology and point of sales systems (POS) for companies that want to take credit card payment (Yesner Law does take credit card payments, FYI). Kelly has had many different experiences in her career, including being a sales associate for personal training, her mercha...

In this week's episode of the Yesner Law Podcast, I discuss the Mortgage Debt Relief Act ("MDRA").  This law provides that forgiveness of debt income, or phantom income, related to the foreclosure or short sale of a primary residence is non-taxable if the loan deficit that is waived is related to a loan used to buy or make improvements to the house. When you complete a short sale or lose a house t...

In this episode, we interview Kathryn (Katie) Davis with AFLAC. Oftentimes clients come to us because of a major medical issue that drains their funds.  If the medical incident is severe, it may create a shortfall in the budget causing the mortgage, credit card bills and other debts to fall behind. Plus, hospital and doctor bills are often a major factor causing people to file for bankruptcy. AFLA...

Welcome back to another episode of the podcast. We try to keep each episode to a maximum of 10 - 12 minutes and last week's topic was too big to squeeze into one episode, and we will likely devote more episodes in the future. In Part 1, we discussed those investors who want to flip properties to create cash. In this episode we discuss real estate investor strategies for those clients who want to b...

This episode of the Yesner Law Podcast is dedicated to our real estate investor clients. In this episode we discuss real estate flips or simultaneous closings.  Where can investors get in trouble with these types of deals?  How can real estate investors protect themselves in these types of transactions. Please also check out a friend of the lawfirm, Tyler Sheff, with The Cash Flow Guys and his pod...

In this episode of the podcast, we talk with probate attorney Cristin Silliman regarding what happens when someone dies without a will.  We seem to be losing many of our favorite artists and actors in 2016, and surprisingly many of them pass away without a will.  This leads to infighting between family members over an estate that could be worth millions of dollars.  Cristin helps clients plan for...

Thank you for your patience as we migrated the Yesner Law Podcast from one platform to the next.  All but our first podcast episode migrated from one website to the other, so we are re-releasing Episode 1. In this first episode of the podcast, we look back on the "Speedy Foreclosure Law" that was passed by the Florida Legislature, and how that has impacted foreclosure law in Florida.  Have foreclo...

Did you know that there is a difference between a mediation in a foreclosure lawsuit and a mediation in every other type of lawsuit? Unfortunately, the foreclosure mediation process in Florida has become tainted to the point where it is really just an analysis of whether the borrower has produced documents to the lender. There is rarely a decision or agreement that is reached at a foreclosure medi...

In episode 18 of the podcast, we discuss bankruptcy. What are the reasons that someone might want to file? What are some issues a debtor might encounter? We've posted other episodes of the podcast that deal with specific bankruptcy issues, and have more planned. This episode, however, is a bit more generic. We would love your feedback on the podcast in general, or on this episode, and please conne...

In this week's episode of the podcast, we talk about how I use systems to structure a client's experience with the office, based on lessons I learned while running. In 2014, I was diagnosed as pre-diabetic and my sugar levels were dangerously high. Those who know me, know my fear of needles, so it was easy to start a diet and exercise regiment to ward off high cholesterol, high sugar and the resul...