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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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 or or 

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 

Also remember to subscribe to Tiffanie's (and Rob's) podcast - Brewin' Up Business at 

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 or

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 or 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 or

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  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,

Please email me at or 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 or 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, 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 -, Twitter - @cashwiseexwives, or by email - 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 or

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 or any of the following:

You can contact me at or

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:

or connect with Brian at

Or for more questions, contact me at or

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 or email her at

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 or

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:

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 or  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

For more information visit our website at or contact me at


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 or

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 or

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 or

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

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, or

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, or

You can contact us at or

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 or

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 or

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

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 or 

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.,

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, or visit his website at Or you can contact me at or

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 where she helps individuals and business owners with bookkeeping and tax preparation services.  You can reach Stephanie at

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.,  

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  You can contact Dale by email at

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 - or

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

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

Jul 5, 2018

Last week's episode was about reverse mortgages.  This week's episode of the podcast features Jeannine Smith, loan officer with Fairway Independent Mortgage, and we discuss mortgages in general.

Jeannine's email address is and her website is Jeannine has been in the mortgage industry for about 12 years, since 2006.

Buying a house is easier than you might think. Jeannine and I dispel myths, like how much you may need in a downpayment, and how your credit score impacts your ability to get a mortgage. We also talk about best practices and what you can do to better qualify for a loan.

Fairway Mortgage is a lender offering a range of products. Jeannine is focused on helping Veterans obtain VA loans, and educating those who might qualify on the pros and cons of that, and other, loan products.

You can get ahold of Jeannine at the links above, or contact us at or What are some other myths you have about mortgages that we can help dispel?

Jun 28, 2018

On this week's episode of The Crushing Debt Podcast, we talk with Reverse Mortgage expert Michael Banner, You can also email Michael at

Michael and I discuss the myths and truths of a Reverse Mortgage.  Michael is a frequent speaker on the use of home equity during retirement.

If you have questions, or know someone who may need help with a reverse mortgage, contact us at or 

Jun 21, 2018

I have a very special guest on this week's episode.  Jimmy Murray is a friend and fellow Podcaster, also part of the Florida Podcaster's association.  If you have young kids, check out his podcast, The Kid Friendly Joke of the Day!

Jimmy has done Stand-Up Comedy, Improv, Blogging and Podcasting, but for our show, his biggest accomplishment has been paying off over $80,000 of debt comprised of Medical Bills, Credit Cards, Student Loans, and a few Judgments.  We talk to Jimmy about his journey to become debt free.

You'll learn some of his secrets on reducing or cutting monthly expenses, using your money to reduce your debt, and remaining accountable to yourself, your family and your goals.

If you have questions, or want help to get out of debt, email me at, or visit the Firm's website.


Jun 14, 2018

Twice a year my homeowner association hosts a community garage sale.  Previously (episodes 68 and 86) I discussed lessons that I've learned selling my sh ... tuff at the community garage sale.  This week's episode describes another lesson learned, this time at the Spring 2018 garage sale.

If you have questions, please visit my website, or email me at

Jun 7, 2018

In this week's episode, I interview Patty Durell and Marleta Black.

Patty owns Rock Solid Fitness since 2012 and has been a physical therapist since 1994.  Each year, Rock Solid has achieved over 40% growth and now has 10 staff.  Patty is on the show to discuss how your physical health impacts your ability to handle debt and stress.

The growth of Patty's company can be attributed to her work with Marleta Black, who has 31 years of small business and leadership consulting, running teams of 5 to 120 employees using her degree and training as a psychologist.  As Patty is Marleta's client, Marleta is also Patty's client and they have a great personal and professional relationship.

Patty, Marleta and I talk about making and keeping goals and how those skills can help you eliminate debt.

Patty can be reached at

Marleta can be reached at

Any questions, I can be reached at or at the Firm's website.

May 31, 2018

Our last episode of May is an interview with Rich Carey of

Rich is our third military interview in as many weeks, and is currently in the US Air Force, 2 years from retirement. On his website,, under the Real Estate Tab, you'll find his "Complete Guide to Real Estate Investing."

Rich flipped houses in Washington D.C. to help build his income, he purchased rental properties for cash, he paid off $32,000 in student loans, and his $280,000 mortgage in six years !!

For more information, visit his website, or contact him at, or contact me at or


May 24, 2018

This week, we interview Financial Advisor Forrest Baumhover with Westchase Financial Planning.

Our office is located in Westchase, just outside of Tampa, Florida. We met Forrest with a Keep It Local networking group. We both enjoy running, and helping people manage their money.  In fact, both Forrest and I will be at FinCon, September 26 - 29, 2018, in Orlando, FL.

Forrest retired from the Navy in April 2017, and now helps his clients understand and plan for retirement.  You can contact Forrest at or  Or you can reach me at or


May 17, 2018

In this week's episode, we interview Doug Nordman ("Nords") about his book The Military Guide, which you can find on his website,

Nords joined the Submarine Force (Navy) right out of college and, upon retirement, found that there was a lack of information to show military members how to retire without having to go back to work. The Military Guide provides service-members, veterans and their families with a road map for becoming financially independent.

For more information, visit his website, or contact me at or

May 10, 2018

In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of (with three "o's").

You'll hear the story of how got started in 2004, how the company created its vision and mission (and sticks to those ideals consistently).  Chris and I talk about why he started a DIY Financial Planning Company and the challenges most of us face when dealing with "traditional" financial advisors. 

Chris even throws in a few tips on how he manages his debt, and his finances.

For more information, visit their website at, remember there are three "O."  And for more information about the all of our episodes, please visit our website at or email me directly at

May 3, 2018

In this week's episode of the podcast, we interview our friend, Jim Jenkins, founder of Jenkins Law.

Jim started Jenkins Law in 2013 following stints as a Pinellas County Assistant State Attorney (prosecuting people who violated criminal laws), and as an associate attorney at a large Clearwater firm handling personal injury matters.

In fact, just about 3 years ago, Jim's wife, Kelly-Ann Jenkins joined the firm as a partner, and helped Jim grow a firm that now has multiple staff and 2 other associate attorneys. Jim, Kelly-Ann and the team handle criminal law, personal injury law, and insurance litigation (first-party and third-party litigation).

In today's episode, Jim and I discuss first party insurance litigation - where you sue your own insurance company for damages covered by your insurance (versus third party litigation, where you sue the insurance company of the person who injured you).

For more information about first party litigation, or if you have questions about your rights under your own insurance policy, contact Jim through his paralegal Kate at, or visit the website at

Or, if you want us to make the introduction to Jim and his team, contact us at or

Apr 26, 2018

This week's episode is an issue we get quite often unfortunately.

What happens when the Seller knows about a defect with the house and fails to disclose it?

What happens when the Seller does not know?

What happens when the inspector misses an issue with the house?

What happens when the Realtor knows (or doesn't know) about an issue with the house?

What is the main case in Florida that discusses this issue?

What do you think?  Let me know at or

Apr 19, 2018

Another week, another guest from Podfest Multimedia Expo 2018.  This week's guest is Ryan Kairalla, an entertainment law attorney.

You can connect with Ryan:

Twitter: @ryankair

Also check out the Break The Business Podcast, and Ryan's book, Break the Business available on Amazon, Audible, Apple Podcasts and other book outlets that don't begin with the letter "A."

If you have questions for me, please contact me at or 

Apr 12, 2018

The deadline to file your personal income tax return is in a few days.  Therefore, in Episode 109, we talk with Craig Cody, who we met at Podfest 2018, about the 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands.

You should use your CPA as a resource to plan for your business. And in that spirit, Craig is offering all of our listeners a gift.  You can pick up Craig's book at:

You can also connect with me at or

Apr 5, 2018

On this week's episode, I talk about a recent case: The mortgage lender modified my client's loan and put the arrears at the end of the loan.  Years later, the mortgage lender wrote off the debt and issued my client a 1099-C, Forgiveness of Debt, showing the home owner had phantom income.  Sometime later, the client came to me to file a Chapter 13 bankruptcy. When the lender filed its claim in the bankruptcy case, the lender included the amount of debt previously forgiven!

The status of the law is unclear and states differ on the effect of issuing the 1099-C form (Florida hasn't made a decision as far as I know). How did we resolve the issue? If I gave it way in these notes, why would you listen to the episode?

If you file bankruptcy and your creditors try to pursue debt previously forgiven by a 1099-C, please contact me at or

Mar 29, 2018

This week's episode of the podcast is an interview with Dave Fulk and Frank Coto with Hello Alex.

Check out what Hello Alex can do at

Hello Alex is an Artificial Intelligence system to help Realtors communicate with their clients and prospects.  Hello Alex helps Realtors convert leads over multiple platforms using Artificial Intelligence (text, FB messenger, Live Chat, etc.).

For more information, check out  Or you can reach out to me at or

Mar 22, 2018

Christie is back for her fourth episode of The Crushing Debt Podcast.  Bear with me this week, as I deal with some laryngitis.

Christie and I have discussed student loans, but in this episode, we're going to talk about consumer law - the TCPA (Telephone Consumer Protection Act).

The TCPA is designed to stop robocalling, and abuse or harassment of borrowers by creditors.  Creditors can pay damages of between $500  and $1,500 PER CALL if they are told to stop making calls and cease to do so.

To contact Christie, visit her website or 813-258-2808.

You can also reach us at or


Mar 15, 2018

We have a great guest to kick off Year 3 of content here at The Crushing Debt Podcast.

We met Mary Wheeler, of Abundant Wealth Solutions, at PodFest Multimedia Expo 2018 this past February in Orlando, FL.

Mary is a financial coach who holds local workshops, speaking to high school and college students about the dangers of debt.  Mary's mantra is "Know debt, no problem!" and that makes her a perfect guest for The Crushing Debt Podcast!

What we found incredible was that Mary eliminated over $30,000 of debt in 96 days!  Hear her story and her tips in this week's episode.

Mary can be reached at

Or reach out to us at or 

Mar 8, 2018

In this week's episode of podcast (the last of Year 2), we talk about Property Tax Portability. 

Applications to qualify your FL residence as your Homestead were due March 1, however what happens if you move from one primary residence to another?

Florida has a "Save Our Homes Cap" that prevents the taxable value of the homestead property from increasing by more than 3% from year to year.  Previously, when the homeowner moved, they lost that 3% cap.  In response, the Legislature enacted "portability" that allows the homeowner to carry with them (to port) their 3% savings from one homestead to another.

For more information, of if you want to ensure that your homestead was ported properly, contact us at or 

Mar 1, 2018

In this week's episode, we talk about bankruptcy cases that are DOA or Dead on Arrival - meaning a bankruptcy case that is dismissed within 6 months of being filed.

This week's episode is based on an article in the ABI Journal article written by Ed Flynn, a consultant with the ABI (American Bankruptcy Institute.  You'll remember Mr. Flynn, who also wrote an article that was the basis for Ep 79, Chapter 13 Success Rates.

Today's episode reviews different factors that may cause a case to be DOA - or dismissed within 6 months.  Some of the factors analyzed by Mr. Flynn include:

Filed pro se (without an attorney)

Filed jointly (by husband and wife)

A second or third filing

Filed without paying the filing fee

Filed "bare-bones" (without supporting schedules)

Involved real property

We discuss all of these statistics, as well as give our spin on Mr. Flynn's findings.  If you want to see the article written by Mr. Flynn, please email me at

Feb 22, 2018

This week, we have a returning guest - Michael Holmes with Delta Credit Restoration.  Michael was a guest on Episode 94.

In this week's episode, we talk about Debt Negotiation, and the creditor's violation of debt collection laws.  If you're being contacted by a debt collector, there are some things you can do to protect yourself.

To contact Michael, visit his website or call him at 813-567-5855

Or, you can contact me at or

Feb 15, 2018

This week's episode is an interview with Attorney Carmen Dellutri, a Board Certified Bankruptcy Attorney.

Carmen can be reached via his website.

Or order his new book on Amazon: Are You The Next Success Story? Take Back Control of Your Finances

Email Casey Byrus: and let her know you listened to this show, Carmen will mail you a book for free !!

Carmen and I talk about creditor harassment and how you can use the bankruptcy laws and consumer protection laws to help eliminate their debts.

If you have questions for me, please contact me at or

Feb 8, 2018

I struggled with whether to make Episode 100 something different, or business as usual with another Crushing Debt Topic.

I hope you enjoy this combination of the two ...

I take a look back at the topics we've covered and the guests we've interviewed, to get a sense of where we've been, and where we are, so we can produce great content for you for the next 100 episodes.

If this is the first episode you've listened to, Thank You !

If you've been a listener for the last 99 episodes, Thank You!

This is my podcast, but it is for you, so what topics do you want me to cover? What guests do you want me to interview?  How can I help you eliminate those financial bullies in your life? or 

Thank you!!

Feb 1, 2018

In this episode of the podcast we talk, again, to Christie Arkovich about student loan debt relief. 

Did your parents co-sign for your student loan? Did your parents borrow money to pay for your education? Federal Parent Plus loans are exactly that, money that mom and/or dad borrow so their child can go to school.  In most cases, the child has an agreement to pay back mom and dad, but this agreement has no impact on the Federal Student Loan and its repayment.  So what happens if the child cannot pay back the loan, in other words pay back the parents?  Unfortunately mom and dad are still on the hook to the loan company. Christie has some good suggestions to help ease the pressure on mom and dad.

Christie and I also talk about a new Fannie Mae program where the homeowner can borrow money secured by a second mortgage against their home, to pay off their student loans - basically converting student loan debt into mortgage debt.  You'll hear why I think this is a HORRIBLE idea, and you'll hear Christie's take on Fannie Mae's offer to help student loan borrowers with this new loan product.

If you have questions, or if you're struggling to pay back your student loans, you can contact Christie at 813-258-2808,,

Or you can reach me at or 

Jan 25, 2018

This week's guest is a returning guest from Episode 92 ("What's Your Relationship with Money?").  In this episode we discuss how to B.O.U.N.C.E. back from setbacks.

BOUNCE stands for:



Understanding Yourself

Nurturing Connections


Efficacy (having a sense of the ability to achieve or esteem)

In this episode we talk about how to change or overcome your beliefs.  What are some of your beliefs in terms of money and overcoming set backs?

You can contact Robin at  Or you can contact me at or

For those of you who want to visit the Yesner Law YouTube page, you can see a great out-take from our recording of this episode!


Jan 18, 2018

In this week's episode, we interview Michael Watkins with Tampa Bay Advisory, LLC.

Michael's company helps with tax incentive recovery - basically the ability to reduce a company's bottom line so that the company pays less taxes and makes more money.  Most people know this as cost segregation, which is the ability to depreciate certain asset classes on an accelerated basis different than other asset classes.

You can contact Michael at, call him at 727-243-6467.

If you have more questions for me, please contact me at or


Jan 11, 2018

In this week's episode of the Crushing Debt Podcast, I get away from interviews for a bit and talk about Usury Laws.

Usury Laws protect consumers from lenders who charge an excessive rate of interest.  I had a usury issue come up in one of my cases and I thought it would be interesting to explore the issue in the podcast.

The issue is whether unpaid late charges on a mortgage can be "captured" as interest to drive up the interest rate on a residential note and mortgage to a level over 18% (which is usurious in Florida).

What do you think?  Please let me know at or


Jan 4, 2018

Welcome to the first Crushing Debt Podcast of 2018!

In Episode 95, I interview Gordon Firemark, an attorney for the past 25 years, who helps artists, writers and producers achieve their dreams.

Gordon is also a podcaster.  His show is The Entertainment Law Update Podcast.  

Gordon and I discuss Entertainment Law and Intellectual Property Law (copyrights and trademarks).

Gordon also has The Law Podcasting Podcast - how to help attorneys create manage and promote their own podcast (I was a guest on that show).

Finally, Gordon has a course on how to protect your online course and seminar, as well as a ton of other material on entertainment law and intellectual property law.

If you have specific questions, please contact me at or


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