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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: 2018
Dec 27, 2018

This week's episode of The Crushing Debt Podcast is our fourth (or third and a half) interview with our friend Tiffanie Kellog.

Tiffanie and I discuss a question I've tackled over the last few episodes - what are some tactics to motivate referral sources who are all the same profession?  How do you give back to a group of similar professions that all refer you business.

There are 16 different relationship builders.  While we don't focus on all 16, some that we discuss:

- Featuring your referral source on a podcast, YouTube Video, co-author an article, or newsletter.

- Set up a speaking engagement for your referral source.

- Advising or Advice seeking

- Giving or collecting Testimonials (especially those that speak to a common objection a client may have to hire you).

- Calling your network to simply ask "How are you doing?"

- Doing fun events together

To learn all 16, please contact Tiffanie at Tiffanie@asentiv.com or https://tiffaniekellog.com/ or https://tampa.asentiv.com. 

Tiffanie has a 13-week video program called "Thirteen weeks a Month" to help you save a few minutes here or an hour there.  The goal of the program is that you gain 13 hours a week, which creates an additional 28 days of time saved - or one full month, so that you have 13 months in a year.  To register for the 13 Months a Year Program visit https://tiffaniekellog.com/13monthsayear 

Also remember to subscribe to Tiffanie's (and Rob's) podcast - Brewin' Up Business at http://brewinupbusiness.libsyn.com/website 

Dec 20, 2018

I've always said that there are two way to create money to pay down or pay off your creditors: (1) make more money, or (2) cut expenses.

One of the ways I've been able to make more money is through word of mouth networking, and many episodes of the Crushing Debt Podcast discuss networking topics.

Some episodes that talk about networking in general are 133 (FinCon2018), 33 (Business Card Graveyard) and 17 (Running and Goal Setting).

Every 6 months, my community has a garage sale, which is a great place to practice your sales skills - episodes 118, 86 & 68.

I've got episodes on living a spectacular life with the Asentiv program - 76, as well as word of mouth networking with Tiffanie Kellog (episodes 48 & 12).

Jason Avery with Constructing Success is episode 8.

Why I do what I do is episode 5.

I also talk about the difference between generating a referral versus an introduction to a referral source. I talk about tips and strategies to network at events and one-to-one.  Finally, I talk about a question we'll tackle on a future episode - "feeding" multiple of the same type of referral sources.

I hope you enjoy this episode of the podcast.  What are some of your favorite networking tips?  Please share at Shawn@YesnerLaw.com or www.YesnerLaw.com

Dec 13, 2018

In this week's episode of The Crushing Debt Podcast, I take a look at the different reasons our clients come to us for bankruptcy protection:

  • Divorce
  • Loss of a Spouse
  • Medical Bills
  • An Injury that cause time off work
  • Credit Card Debts and Repossessions
  • IRS Debt
  • Loss of Income / Loss of Job
  • Closed Business
  • Foreclosure
  • Student Loans

These types of debts do not discriminate between Chapter 7 & 13, and neither chapter necessarily better or worse to deal with these debts (look for a future episode on the difference between Chapter 7 Liquidation and Chapter 13 Reorganization, or check out our blog).

Please contact me at Shawn@Yesnerlaw.com or www.yesnerlaw.com with what other reasons you think people might file for bankruptcy, or questions you have around these different debts.

Dec 6, 2018

In this week's episode of The Crushing Debt Podcast, I talk about a topic requested by our listeners - divorce, real estate and debt.

While I've talked about each of these subjects in some manner, this is the first episode dedicated to the intersection of all three.

What should you know about real estate that you jointly own with your ex?  What should you know about debt that you jointly owe with your ex?  How did you take title when you were married and how does that impact the debt, and then the divorce?  We explore all of these topics.

I would appreciate if you would share this episode with someone you know who is getting a divorce, or thinking about a divorce.  We do not practice family law, but can help the divorcing couple to figure out what they can do with their home and debt.  You can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com

Nov 29, 2018

In this week's episode of the Crushing Debt Podcast, I interview Conor Richardson, author of The Millennial Money Makeover book which will be released on Jan. 1, 2019, so order your copy now at www.MillennialMoneyMakeover.com.  Conor is a CPA and Author who earned his Accounting and Finance Degree at the University of Georgia.  Once he obtained his Masters of Accounting degree from Villanova and became a CPA, Conor moved to New York to work with Deloitte & Touche, and now lives in Austin, Texas, as an entrepreneur.

As the title suggests, the book is written from the perspective of a Millennial's approach to money.  Conor's story is a turnaround story on debt, and alignment of goals.  Although geared towards Millennials, the book could be read and utilized by all the different generations.

To reach Conor directly, Conor@MillennialMoneyMakeover.com.

Please email me at Shawn@YesnerLaw.com or www.YesnerLaw.com if you have any questions or want to suggest future show topics.

Nov 22, 2018

Happy Thanksgiving from The Crushing Debt Podcast and Yesner Law!

I recorded this episode while waiting for my open house to start.  The open house was a celebration of my 20 years practicing law, so it provided a great opportunity to review 2018.  I also provide some insight into how I set and track goals.  I also look forward to 2019.

Thank you all for being listeners to the show!  If you have questions, contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. Have a great Thanksgiving Holiday and a prosperous 2019! 

Nov 15, 2018

In this week's episode of The Crushing Debt Podcast, I talk to the Cash Wise Ex Wives, Kayla Sloan and Shanah Bell.  I met Kayla and Shanah at FinCon 2018 in Orlando a few months ago.

Kayla and Shanah are both divorced themselves and met at FinCon 2017. They talked about their journey of divorce and debt and, although each had their own business, they had people continue to come to them asking for help with their divorce and money issues.

So they started www.CashWiseExWives.com, a membership site with resources to help both men and women handle issues of divorce and money.

You can reach Kayla and Shanah at their website, or follow them on Facebook - Facebook.com/cashwiseexwives, Twitter - @cashwiseexwives, or by email - cashwiseexwives@gmail.com. While they are not attorneys, they do have considerable resources (including introductions to attorneys) who can help you with questions surrounding debt and divorce.

If you enjoy the content, please leave us a rating or review on your podcast player.  You can also connect with us at www.yesnerlaw.com or shawn@Yesnerlaw.com

Nov 8, 2018

I have another returning guest with this week's Crushing Debt Episode.  Barb Hennessy was a guest WAY back in episode 37. Today Barb is back to talk about her role as Director of the BSW Academy USA, Inc. and how she helps as an interventionist for PTSD.

Barb helps people with depression and suicide, anxiety, and special needs.  For more information, contact Barb at Barb@TheJoyWithin.us or any of the following:

www.BSWAcademyUSA.com

www.TheJoyWithin.us

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

Nov 1, 2018

On this week's episode of The Crushing Debt Podcast, we're happy to have a returning guest, Brian Morris, the Profit Prophet.

We last spoke with Brian in Episode 57 and, since then, Brian has had a shift in his business model.  Today, Brian works with companies to help them find the best service providers in 5 areas of concentration: Direct Costs, Qualification for Grants, Work Flow Processes, Risk Mitigation and Growth Potential. Brian will analyze, advise and connect. Best of all, Brian doesn't charge the customer!  Either the customer likes working with the service provider Brian refers, or Brian will find a new service provider.  Either the customer saves money, time or efficiency working with the service provider Brian refers, or Brian will find a new service provider.

Check out Brian's website for more information: http://www.dbrianmorris.com/the-process.html

or connect with Brian at brian@dbrianmorris.com.

Or for more questions, contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com

Oct 25, 2018

In this week's episode of the Crushing Debt Podcast, we talk with fellow attorney, fellow author, and fellow FinCon2018 attendee Leslie Tayne.

Leslie is a New York attorney.  In addition to her practice (similar to ours) that covers many aspects of debt elimination, Leslie wrote a book called Life & Debt which you can pick up on Amazon.  You can also visit her website at www.taynelaw.com or email her at LTayne@TayneLaw.com.

If you live in New York and are being harassed by creditors, definitely contact Leslie's office.  In addition, while Leslie's main office is in New York, look for her to expand soon into Southeast Florida, which she also discussed in this week's episode.

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

Oct 18, 2018

On October 29 & 30, 2018, I have the honor of speaking at the Buy It, Rent It, Profit! Multi Family Summit at the Holiday Inn Westshore.  

In this week's episode of the Crushing Debt Podcast, I speak to the host of the event, best-selling author, real estate investor, and thought leader in property management and multifamily housing, Bryan Chavis.

While this month's event is at the end of October, 2018, Bryan's intent is to promote this seminar throughout Florida, and later across areas of the United States, so please look for us even if you miss this month's event.

You can find more information at:

www.BuyItRentItProfit.com

www.BryanChavis.com

www.LandlordAcademy.com

Bryan has written two books: Buy It, Rent It, Profit! and the Landlord Entrepreneur, both available through Simon & Schuster.

For more information, or to connect with me or Bryan, please visit www.yesnerlaw.com or Shawn@Yesnerlaw.com.  Hope to see you at the end of October!

Oct 11, 2018

In this week's episode of The Crushing Debt Podcast, we interview Monica Shah, MBA, Money and Marketing Coach.

Monica was $25,000 in debt until she changed her money mindset.  She now helps her clients eliminate debt through her Money Making Marketing Calendar

In this week's episode, I talk to Monica about her steps to get out of debt:

1. Review your numbers

2. Track you numbers

3. Do Revenue Generating Activities: (a) speaking, (b) sponsorships, and (c) webinars.

4. What is your Planning / Sales Cycle?

5. Rinse & Repeat.

For more information, and to see how Monica can help you create a revenue breakthrough, visit her website at www.revenuebreakthrough.com/marketingcalendar.

For more information visit our website at www.yesnerlaw.com or contact me at Shawn@YesnerLaw.com.

 

Oct 4, 2018

This week's episode was recorded when I presented to a group of Realtors at Become a Better Agent 28 ("BABA") which is an educational seminar hosted by Insured Title Agency and Synergy Title here in Tampa Bay.

BABA’s purpose is to identify the needs of an ever-changing market and meet those needs more effectively through disruption, innovation and creativity.  If you're in the Tampa Bay Area, definitely check out the next BABA.

The first part of the episode is my description to the crowd of the Freddie Mac Exclusionary List - what it is, how someone gets on it, and how we can help real estate professionals off of the List.

The second part of the episode is Kevin Overstreet and me talking about "Who is Your Seller" in a situation where the parties are being divorced, or one spouse is deceased, or a trust, or where one spouse signed the note but both are on title or on the deed.

Please check out the Crushing Debt Book on Amazon - its now out!  And let us know if you have any questions or comments at Shawn@YesnerLaw.com or www.YesnerLaw.com

Sep 27, 2018

When this episode is first released, I will be attending FinCon 2018 in Orlando, so I thought I would do an episode about how I network at a large event.

I talk about tips, tricks and strategies to maximize your attendance at an event.  What are your goals?  What do you want to accomplish? How will you know that the conference was a success?  Who do want to meet with?  What attendees?  What speakers?

In addition, I have an exciting announcement - the Crushing Debt Book is out on Amazon!

If you have questions about how to network at an event to maximize your return on your educational investment, please contact me at Shawn@YesnerLaw.com or www.yesnerlaw.com

Sep 20, 2018

I've often talked and blogged about the Freddie Mac Exclusionary List. This week's episode of The Crushing Debt Podcast focuses, again, on tips, techniques and strategies to come off of the List.

A real estate professional (Realtor, Mortgage, Buyer, Seller, Investor, Title Company, Attorney, Inspector, Appraiser, etc.) who finds themselves on the Exclusionary List cannot participate in a real estate transaction where Freddie Mac (Federal Home Loan Mortgage Corp or FHLMC) is a party.

We have been successful in getting people off of the Exclusionary List. To be fair, we have also been unsuccessful in getting people off of the List, but we have many more approvals than denials.  You would be a HUGE help to Yesner Law if you would please share this episode with any Mortgage Officer that you know - they have access to the List and can refer us people who find themselves on the List. 

Have them contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com

Sep 13, 2018

In this week's episode of The Crushing Debt Podcast, we make our first venture into the topic of Blockchain technology and crypto currency with Joseph Snyder and Chris Brown.

Joseph is the CEO of Lannister Holdings and Chris is the CTO (Chief Technology Officer).  You can find out more about them at www.LannisterHoldings.com.

Lannister Holdings is a fiscally conservative, publicly traded holding company listed on the OTC market (OTC: NBDR). On this week's episode, I talk to Joseph and Chris about how Lannister Holdings acquires, develops and holds blockchain technology.

For more information, contact Lannister Holdings, Inc., or contact us at www.YesnerLaw.com, or Shawn@Yesnerlaw.com

Sep 6, 2018

This week's guest on the Crushing Debt Podcast is Claudia Mitchell-McLeod with Next Level Financial Partners.

We met Claudia through our friend Robin Lavitch of Surpass Your Goals (you can hear Robin on Episodes 92 and 98 - or follow us on Facebook where we will post links to those episodes).

Claudia has been in Financial Services since 2000, starting as a benefits administrator and then moving into human resources. Her passion is working with women.

Claudia's next Vision Board seminar is September 15, 2018, at her office in the Kennedy Room, you can sign up and get more information by visiting her website at www.NextLevelPartners.com, or CMitchellMcLeod@financialguide.com.

You can contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com

Aug 30, 2018

Unsure what to say about this week's episode.  I fired up the mic after a particularly troublesome "mediation" I had with Ocwen.  I put "mediation" in quotes because the bank was clearly not mediating in good faith - and they rarely do.

In a typical mediation, one party starts with one perception of the case, and the other party starts with a competing perception of the case.  The role of the mediator is to assist both parties in some middle-ground compromise unless, of course, we're talking about a loan modification mediation - in which case the bank pays lip service and asks the homeowner to provide multiple copies of the same documents.  The bank representative then ignores those copies, asks the homeowner to send in yet another copy of the same documents, ignores those documents and then tells everyone at mediation that the bank is missing documents!

In all of my years assisting homeowners in foreclosure, I've walked away from the mediation with a signed loan modification ONCE and that was with a credit union.  The purpose of that stat is not to discredit myself or my abilities, but more to point out that the banks never mediate in good faith to try for a resolution.  In fact, at one mediation, I had a bank's attorney admit, "the only reason for mediation is to see if the homeowner provided all of the necessary documents."

Luckily, many less people are in danger of foreclosure now than when mortgage foreclosure mediations were created as a specific type of mediation.  Hopefully, this is process that will end its uselessness soon, so we can proceed to have good faith discussions on how to resolve mortgage foreclosures.

If you're trying to modify your home mortgage, you could get more relief by hitting yourself over the head with a hammer.  Before you do that please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com

Aug 23, 2018

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) made major revisions to the Bankruptcy Code.  In this week's episode of The Crushing Debt Podcast, we talk about one of the more sweeping changes - the Means Test.

The means test is complicated and there is an art and a science to completing the information.  The means test is important because it helps determine whether someone can file Chapter 7 (Liquidation) or Chapter 13 (reorganization).

If you have questions about bankruptcy, or the means test, or whether you qualify for Chapter 7 or 13, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com

Aug 16, 2018

In this week's episode of the Crushing Debt Podcast, we interview Gordon Newton, President and Co-Founder of the Newton Group.

Do you have a timeshare that you don't want anymore?  Were you "oversold" on your timeshare?  Are you interested in buying a timeshare?

If so, check out "The Consumer Guide to Timeshare Exit" written by Gordon, which is available on his website at www.newtongrouptransfers.com/guide

Although he's not an attorney, I first heard Gordon on The Cash Flow Guys podcast, and talked about a particular nasty timeshare exit client that I have - he was very helpful with strategy.

If you have a timeshare and want to exit out of it, or want to know if its a good idea for you to buy, check out The Consumer Guide to Timeshare Exit, contact Gordon, or contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com 

Today is also my mom's birthday!!  She turns 21 every year, it's amazing. Those of you who can, reach out and say "I love you" to your moms today, I know I will be!

Aug 9, 2018

In this week's episode, I go over Schedules I & J of the Bankruptcy Petition.

Schedule I describes the debtor's income - all sources of the debtor's income: wages, income from operating a business, interest and dividends, family support (like alimony and child support), unemployment, social security, pension, government assistance, and "other."  Basically any and every source of income must be disclosed on Schedule I.

Conversely, Schedule J describes all of the debtor's expenses - rent, utilities, food, medical bills, insurance, taxes, car payments, alimony and child support, and other payments that you make.  The trick to Schedule J is that the expenses must be accurate, but also reasonable.

Schedule I & J help the trustee determine that the debtor should be in a Chapter 7 (Liquidation) or Chapter 13 (reorganization), and that the debtor's payment to creditors, if in a Chapter 13, is reasonable.

If you have questions about completing Schedules I & J, or completing the bankruptcy petition itself, please contact our office for a free consultation. www.YesnerLaw.com, Shawn@YesnerLaw.com

Aug 2, 2018

We interviewed personal injury attorney Dale Appell in Episode 123 of The Crushing Debt Podcast. Dale is back for this week's episode. I talk to Dale about different topics like: 

- Can a Parent be Responsible for their Kids bad driving habits;

- What to do before calling your insurance company;

- Giving a statement to your insurance company;

- What happens if you're injured at the Hard Rock Casino (or other Native American property); and

- Where can a personal injury lawsuit be filed? What if one party lives out of state?  What court, Federal or State, has jurisdiction?

Dale can be reached at DAppell@wefightforjustice.com, or visit his website at www.wefightforjustice.com. Or you can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Jul 26, 2018

I met Stephanie Heredia from an email she sent me describing the Entrepreneur Center Program on Campus at the University of Tampa (something she is involved with for her business).

Immediately, Stephanie struck me as an entrepreneur on the rise.  Her company is www.taxestampa.com where she helps individuals and business owners with bookkeeping and tax preparation services.  You can reach Stephanie at Stephanie@taxestampa.com

From its website: The John P. Lowth Entrepreneurship Center in the Sykes College of Business teaches skills that are critical for today’s entrepreneur. Learning to identify opportunities, prepare executable business plans and hone skills through a combination of classroom study and applied learning, makes our program unique. Entrepreneurship education is the fastest growing field of study in the United States, with entrepreneurs projected to be the group that creates vigorous and sustained economic development worldwide. 

Stephanie and I talk about entrepreneurship, and also mistakes students make in filing their tax returns, including: whether or not to file, whether to pay sales tax in their business, and money management.

If you have questions about taxes or bookkeeping, reach out to Stephanie, or contact me for other professionals in my network.  www.yesnerlaw.com, shawn@yesnerlaw.com  

Jul 19, 2018

This week's guest on the Crushing Debt Podcast is going to take two episodes to fully cover all of the great content.  However, if you want some behind-the-scenes topics we didn't cover on either show, please visit my YouTube Channel to see some bonus content.

My guest is my friend, Dale Appell of the Dale Appell Law Group, and www.wefightforjustice.com.  You can contact Dale by email at Dale@wefightforjustice.com.

Dale is a 1989 graduate of Duke Law School, and a member of the Multi-Million Dollar Barrister Association - meaning he has won verdicts totaling over $1 million (on a single case).

Dale and I talk about Asset Protection, and how to shield yourself from an attorney like him trying to take your assets after obtaining a personal injury judgment against you. We also talk about what you should do after an accident.

If you're in an accident, call Dale for assistance and let him know that you heard about him from the Crushing Debt Podcast, or contact me for an introduction to Dale - www.Yesnerlaw.com or Shawn@Yesnerlaw.com

Jul 12, 2018

In this week's episode, I talk about an exciting new project from Crushing Debt (you'll have to listen, although I've dropped a few social media hints).

However, I do make an offer for you (my listeners) to be involved in this new project by shooting me an email to Shawn@YesnerLaw.com.

To continue to provide additional content, I give you my take on 1031 Exchanges and how those can impact real estate closings.  I am not a qualified intermediary, nor are we tax attorneys or CPA's, but I have done enough 1031 exchanges in my day to understand the law behind the exchange of like-kind properties to defer the taxable gain on the sale.

For more information, check out my website at www.yesnerlaw.com

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