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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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All Episodes
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Now displaying: July, 2017
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.

Jul 6, 2017

In this week's episode, we interview Richard Ficca, owner of Florida Coastal Insurance.

Rich is a friend, referral partner, and mentor.  Rich has built a multi-million dollar insurance company.  He's been in the insurance industry for over 21 years, 15 of that as an instructor for other insurance agencies.  Rich is also an insurance agency valuation expert.

Rich talks all about hurricane preparedness, but brings it into the 21st Century.  You'll hear Rich's explanation of:

- How to document all of the stuff in your home.

- What apps you should have on your phone.

- Using a thumb-drive to store your personal information.

- Why you should buy a $5 power strip.

You can contact Rich at www.FloridaCoastalInsuranceAgency.com, or email him at Richard@FloridaCoastalInsuranceAgency.com, or call Rich at 727-569-6000 x 101.

What are some of your best Hurricane tips?  Email me at Shawn@Yesnerlaw.com

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