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Crushing Debt Podcast

The Crushing Debt Podcast is hosted by Shawn M. Yesner, Esq., owner of Yesner Law, P.L., that helps our clients eliminate the financial bullies in their lives by providing options. We help clients with real estate litigation, partition, quiet title, chapter 7 liquidation, chapter 13 reorganization, short sales, loan modifications, and creditor harassment.
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Now displaying: 2017
Dec 28, 2017

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 clients don't continue to make the same mistakes that got them into the credit trouble to begin with.

In addition, Delta Credit Restoration provides a reasonable alternative to bankruptcy by helping to settle debts that are behind - although they are NOT a debt consolidation company.

You can contact Michael at 813-567-5855 or www.DeltaCreditRestoration.com.

If you have further questions, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Have a Happy and Safe New Year and we'll speak to you again in 2018!!

Dec 21, 2017

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 allowed student loan borrowers to pay based on what they could afford, and satisfy the debt after a certain period of time (without paying it back in full) if they worked in a public service industry (versus working in the private sector).

The problem is that many student loan borrowers are NOT in the program, even though they believe they are, and are being told by the student loan companies that they are in the program!

Christie can help if you believe you are in one of these programs, or if you want to see if you qualify for one of these programs.  Christie can also help if you have other student loan issues.

To contact Christie, please call 813-258-2808, or www.ChristieArkovich.com, or www.TampaBankruptcyLawyer.com.

If you have questions for me, you can reach out to Shawn@YesnerLaw.com or www.YesnerLaw.com.

Dec 14, 2017

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 seems to appear when you need it most? This stems from your relationship with money.

Robin can help you identify your relationship with money, so that you know what you can change to "get" more money.

You can visit Robin's website at: www.SurpassYourGoals.com

If you have questions, contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com

Dec 7, 2017

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) in your market

- Create speaking opportunities, and other branding opportunities.

To find out more information, please visit Nick's website: www.ContentCorps.net/Yesner

To be completely transparent, following this link will benefit Yesner Law in tracking referrals to the REI 7-Hour Book from The Crushing Debt Podcast - but ultimately this opportunity benefits you who want to write a book, but don't have the time to do so.

If you have questions, please contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com

Nov 30, 2017

Julie Shopa is a Profit First certified professional and, through her business, Clarity Finances helps her clients with bookkeeping and interpreting the financial health of her clients using the system created by Mike Michalowicz in his book Profit First.  

The Profit First system focuses on the formula "Sales - Profit = Expenses" rather than "Sales - Expenses = Profit."  The system focuses on the adage "pay yourself first."

You can contact Julie at Julie@clarityfinances.com, or call her at 610-548-5279, or visit her website at www.clarityfinances.com.

If you have questions for me, please email me at Shawn@yesnerlaw.com or visit www.yesnerlaw.com

Nov 23, 2017

This is the third Thanksgiving that The Crushing Debt Podcast has been in existence, but this is the first Thanksgiving where I have released an episode.

I thought it would be a good idea to talk about what I'm thankful for in 2017.

What are you thankful for in 2017?

What great things have happened for you in 2017?

Who do you want to mention in 2017?

Please let us know all the great things that have happened to and for you in 2017.

Shawn@YesnerLaw.com or www.YesnerLaw.com

Nov 16, 2017

Polly Bauer is the go-to expert for all things credit. After 35 years as a global credit expert, including consulting with major credit card organizations and multi-billion dollar corporations, she believes that credit is the new money. It’s energy. Past President & CEO of Home Shopping Network Credit Corporation, two-time award winning Author of books about credit, International corporate speaker, and Host of Swipe! Podcast.

Polly is passionate about helping consumers harness their credit power with sound credit principals and intuitive wisdom.

The Crushing Debt Podcast has a great relationship with Polly and with Swipe! The Podcast, and we hope you enjoy this episode.

What are some of your tips and tricks for maximizing your Black Friday shopping experience?  Let us know at www.Facebook.com/YesnerLaw.

You can reach Polly at: www.SwipeThePodcast.com, Swipe! The Podcast on Facebook, or @SwipeThePodcast on Twitter.

Nov 9, 2017

In this week's episode, I interview Tonya Lonsbury, a realtor with Berkshire Hathaway Home Services.

I first met Tonya a few years ago when she worked for a marketing company, but then she left Florida to pursue some other opportunities in Tennessee and Atlanta, GA.

Now, Tonya is back!  Tonya has a very strong background and understanding of the home buying and selling process as well as mortgage origination.

Tonya's goal is to make sure that you live in a home that makes you happy, that makes you enjoy getting up in the morning, that makes you enjoy your neighborhood and your neighbors.  Tonya truly wants to make sure that home is where the heart is.

You can reach Tonya at 727-280-6631, or Tonya Lonsbury Realtor on Facebook, or by email at tlonsbury@bhhsflpg.com.

If you have questions for me, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

 

Nov 2, 2017

My community has a garage sale twice a year and in this Fall's community garage sale, a lesson occurred to me - presentation is everything.

In episode 68 of the podcast, I analogized creditor negotiations with negotiating at a Garage Sale.

In this week's episode, I share negotiation lessons that I learned from participating in our community garage sale, specifically regarding how an item's presentation impact its sale-ability. Using that analogy, if you are a real estate investor (or in sales of any kind) how are you presenting your properties, how are you presenting your offers, how are you presenting yourself?

These are all topics I discuss in this week's episode.  If you have any feedback on "presentation" please comment, and if you like the episode, please share with others you know who are in sales.

You can find more information on our website - www.yesnerlaw.com or email me directly at Shawn@Yesnerlaw.com 

Oct 26, 2017

Just a few days prior to Halloween, I get to discuss a scary topic - ZOMBIE DEBT !!

You'll likely have a few Zombies show up to your house on Halloween, but we're talking about a different type of undead...

Zombie Debt is debt that was eliminated because it is beyond the statute of limitations, it was charged off, it was eliminated in bankruptcy, it was paid off, or something else happened to make it go away, but years later, the debt (through a debt collector) rises from the dead and tries to take money from you to satisfy the otherwise uncollectible obligation.

This episode focuses on strategies to finally eliminate Zombie Debt!

For more information, or if you're being chased by Zombies, please reach out to us at Shawn@YesnerLaw.com or www.YesnerLaw.com

Oct 19, 2017

This week's episode is one of my favorites, because I get to share a success story around a client who was being chased (harassed) for over $21,000 related to the repossession of a jet ski.  The best part about this story is that I was able to convince the creditor to leave my client alone and drop the debt entirely - from $21,000 owed to $0 owed !!

How did I do it?  You have to listed to the episode.

If you have a creditor chasing you for money and you do not believe that you owe it, or you do owe it but are unable to figure out how to pay it, you do have options other than bankruptcy.  Please contact me and we can discuss your situation.

Shawn@YesnerLaw.com or www.YesnerLaw.com

Oct 12, 2017

In this week's episode of the podcast, I look at the last 9 requests to Freddie Mac to take people off of their Exclusionary List.  If you want to hear more about the Exclusionary List, please listen to Episode 32.  This episode is about different things I've learned in trying to get people off of the List - my successes and failures.

I would appreciate if you would share this episode with a mortgage originator, realtor or title company you know because they are the ones who can refer people who are on the List to me for review, and in this area of the law, I can represent people all over the country!

Please refer them to Shawn@YesnerLaw.com or www.YesnerLaw.com

Oct 5, 2017

In this week's episode of the Podcast, we talk about debts that are non-dischargeable, meaning these debts are not eliminated by a bankruptcy filing.  The episode comes from from a listener question about a debt arising from domestic violence.

Some examples of non-dischargeable debt include:

- Certain Income Tax Liabilities

- Debts that arise from fraud

- Debts that relate to injury or damage related to operation of a motor vehicle while drunk or intoxicated

- Creditors who are not included in the bankruptcy filing

- Student Loan debts

What other debts do you think are or are not dischargeable?

Let us know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Sep 28, 2017

In this week's episode, we interview Samantha Dammer, owner of Tampa Law Advocates to discuss Chapter 7 Bankruptcy for businesses.

Samantha has been practicing just as long as I have - 18 years as of the recording of the podcast episode, and has been practicing bankruptcy in Florida for 10 years.

Some of the issues we discuss:

- When would a Chapter 7 be appropriate for a business

- Why would a business want to file bankruptcy

- The benefits (and some drawbacks) to filing a business Chapter 7

- The mechanics of a business Chapter 7

- And other topics

You can contact Samantha at 813-288-0303 or visit her website at www.tampalawadvocates.com.

If you have questions for me, please reach out to Shawn@YesnerLaw.com, or www.YesnerLaw.com.

Sep 21, 2017

In this week's episode, I welcome my friend Matt Lapointe, an attorney with the firm Blalock Walters in Brandenton, FL.

Matt and I were talking recently about the number of clients I have who all fear being taken to prison for failure to pay a debt - called debtor's prison.  In fact, debtor's prison no longer exists and so Matt, a self-described history buff researched the issue of debtor's prison and we discuss this history of debtor's prison in this week's episode of the podcast.

You can reach Matt at mlapointe@blalockwalters.com or 941-748-0100.  Matt focuses on corporate and transactional law (meaning he does not go to Court, although he has attorneys in his firm who do if necessary).

You can contact me at Shawn@Yesnerlaw.com or www.yesnerlaw.com

Sep 14, 2017

I found an interesting article about success rates in Chapter 13, reorganization cases that I summarize in this week's episode.

For purposes of the article and podcast, "Success" means that the debtor completed all payments in his Chapter 13 bankruptcy.  The results are interesting in determining:

- Should you file individually or jointly with a spouse?

- Should you file on your own or with an attorney?

- What are the Success Rates on your second chapter 13 (after the first one was unsuccessful).

Please let me know what you think of this statistical analysis, and if you want a free copy of the report, please contact me at Shawn@Yesnerlaw.com.

Sep 7, 2017

In this week's episode, I interview Paul Moore with Wellings Capital, and author of The Perfect Investment.

Paul and I discuss strategies to minimize tax liability.  As a disclaimer, neither me or Paul are CPA's, Tax Attorneys, or otherwise, but we both have some knowledge and experience with the material.

We discuss strategies like:

- Investing in Real Estate

- Hiring a Tax Strategist

- Use Cost Segregation to Accelerate Depreciation

- 1031 Exchanges

- and more.

You can contact Paul and order his book The Perfect Investment on his website www.wellingscapital.com, or from Amazon at https://www.amazon.com/Perfect-Investment-Enduring-Historic-Multifamily-ebook/dp/B01M0UDZ4D/ref=sr_1_1?ie=UTF8&qid=1504727528&sr=8-1&keywords=The+Perfect+Investment  

Or you can order his report that forms the basis of this episode on his website, or from Paul directly at Paul@WellingsCapital.com. 

In addition, check out Paul's Podcast - The How To Lose Money Podcast on iTunes and Android podcast players.

You can also contact me at www.yesnerlaw.com or Shawn@Yesnerlaw.com 

Aug 31, 2017

In this week's episode of the podcast, I interview Jocelyn Paonita from The Scholarship System.

This was one of my favorite interviews. Jocelyn was able to have her entire college education paid for by scholarships. The Scholarship System helps people find scholarships for students at all levels of education, wherever scholarships may be available.

Student loan debt is a serious issue in our economy and Jocelyn's example and her systems can help reduce student loan debt before the students actually incur the debt!

The Scholarship System helps people find the scholarships, and then they implement strategies to complete the application for the scholarship.

You can find more information, as well as Jocelyn's contact information at www.thescholarshipsystem.com.  Check out their blog, the free webinar, and all of the other information on the website!

You can reach me with student loan questions at www.yesnerlaw.com or shawn@yesnerlaw.com

 

Aug 24, 2017

This week's episode was recorded during a Referrals for Life social at my house.

I had 5 guests:

Tom Fleming- TomF@BNI.com (BNI Executive Director and Asentiv Trainer)

Rob Kellog - Rob@FastBreakMarketingTeam.com (Fast Break Entertainment and Brewing Up Business)

Tiffanie Kellog - TiffanieK@asentiv.com (Asentiv Trainer, Fast Break Entertainment and Brewing Up Business)

Jason Avery - Jason@AveryHomeRemodeling.com (Avery Construction, Asentiv Trainer, Constructing Success, Inc., and a new Cabinet Company startup)

Dr. Marnita Sandifer - SpaCafe@RoadRunner.com (Spa Cafe and BNI Trainer)

Shawn Yesner - Shawn@YesnerLaw.com (Yesner Law, Florida Suncoast Title, Crushing Debt Podcast, BNI Trainer)

We talk networking, business generation, referral generation, and something that connects all of us - every speaker on this week's podcast has multiple streams of revenue in addition to their primary business.  From my perspective, I always try to align myself with successful and positive people.

If you live in the Tampa Bay area and want to learn more about Referrals for Life and joining our community here in Tampa Bay, please contact me (or any of the guests on this week's show). What you'll learn is that the goal of the Referrals for Life community is for us all to live a spectacular life !!

Aug 17, 2017

In this week's episode of the podcast, we talk about whether a quit claim deed or a quiet title lawsuit can stop a foreclosure, from a listener of the podcast!

Many people believe that transferring a home to a third party and then filing a quiet title lawsuit will defeat a foreclosure lawsuit.  Unfortunately, under FL law, the answer is "no."

How I get to that answer is in this week's episode.

If you're facing foreclosure, please visit our website at www.YesnerLaw.com, or email me at Shawn@YesnerLaw.com

 

Aug 10, 2017

This week's episode is Part II of my interview with Bryan Levine of Knox Levine, PA. IN this week's episode, we talk about the different enforcement mechanisms available to Homeowner and Condominium Associations.

When can they claim a lien?

What are they entitled to collect?

If you are on the Board of your association, and you live in Florida, please call our friend Bryan Levine to represent your association.  www.knoxlevine.com or Bryan@KnoxLevine.com

If Bryan is representing an association against you, please call me for a free consultation! www.yesnerlaw.com or shawn@YesnerLaw.com

Aug 3, 2017

In this week's episode, we discuss what happens to surplus funds when someone buys a house at a foreclosure auction.  Surplus funds exist when the winning bidder paid more than the amount owed to the bank.

This week's episode is a product of another listener question, and is an interesting take on a long-standing Florida Law regarding the association's ability to collect assessments against someone who bus the property at foreclosure auction.  What if there are excess funds following the foreclosure sale, but the person foreclosed still owes the association money?  Can the winning bidder force the association to take the surplus funds to satisfy the debt owed by the former owner?

We're unsure if there is a clear legal answer to the question, but I give the logical answer in this week's episode.  Let us know what you think of my answer?

If you buy property at foreclosure auctions, or if you focus on distressed properties, please reach out to us with any questions, comments or issues you have.  Shawn@Yesnerlaw.com or www.YesnerLaw.com

Jul 27, 2017

In this week's episode, we interview Bryan Levine.  Bryan is a partner at Knox Levine, a firm that focuses on representing condominium and homeowner associations.

Recently, Florida passed a law known as the "Estoppel Law," Senate Bill 398.  This new law governs certain aspects of what an association can or cannot do when issuing an estoppel letters - those letters that associations issue to let the homeowners know what they owe, what assessments are due, and other financial aspects of the property.

Some things included in the law:

1. The time-frame within which the Estoppel Letter must be issued;

2. A cap on the amount the association can charge for the letter;

3. Describes what information must be included in the Estoppel Letter;

4. The Estoppel Letters must be valid for 30 - 35 days.

If you are on the Board of the association, or an association management company, reach out to contact Bryan Levine at 727-223-6368, www.knoxlevine.com, or Bryan@knoxlevine.com.

If you get a letter from an association and have questions, please send me an email at Shawn@YesnerLaw.com or www.YesnerLaw.com.

 

Jul 20, 2017

In this week's episode of the Crushing Debt Podcast, I answer more listener questions, like:

1. Can you finance a car while in a Chapter 13 bankruptcy?

2. Can a landlord garnish wages?

3. Does it pay to fight a lawsuit against me seeking $1,200?

4. Is a homeowner entitled to surplus funds following a foreclosure sale?

5. Can sellers change their mind about selling their property?

Thank you for supporting the podcast by sending in some great questions.  We hope you enjoy the content and please keep the questions coming.  If you have questions related to any of the above questions that I answered, please reach out at shawn@yesnerlaw.com, or www.yesnerlaw.com.

 

Jul 13, 2017

In this week's episode, we talk about the intersection of bankruptcy and condominium / homeowner association law.

Many times, people don't understand that they still owe their homeowner association or condominium association even though they filed bankruptcy. This is because the bankruptcy code says that assessments due post-filing (post-petition) are not dischargeable, or are debts that are unaffected by the bankruptcy filing.

What do you think?  Should ongoing assessments be dischargeable after the bankruptcy is filed?  Let us know at Shawn@YesnerLaw.com or www.yesnerlaw.com.

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