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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: 2019
Oct 17, 2019

What did you always want to know about bankruptcy but were too afraid to ask?

We’ve got some great listeners of The Crushing Debt Podcast who send in questions from time to time, and if they have these questions, likely you do too.

On today’s episode, we answer about:

- Reaffirmation Agreements

- Lien stripping in Chapter 13

- Filing bankruptcy for personally guaranteed debt of an LLC

Please continue to submit these great questions. You can connect with me on social media, or directly, Shawn@YesnerLaw.com or www.YesnerLaw.com. If you enjoy the show, please share it with others.

Finally, please visit our sponsor www.EasyStartUpFunds.com. If you need $25,000 to $100,000 and have a 680 credit score, apply online.

Oct 10, 2019

On this week's episode of the podcast, I interview Certified Financial Planner David Wilson Flores.

David and I talk about:

- How to lower the cost of college and maximize financial aid to minimize debt.

- Creating a year end financial planning checklist to save money and minimize savings.

You can read David's successful blog and get more information at www.PlanningToWealth.com or email him directly at DWilson@PlanningToWealth.com. You can also follow him on Twitter @NYWealthAdvisor or on Instagram @planningtowealth.

We also want to thank and ask you to visit our sponsor www.EasyStartUpFunds.com if you need $25,000 to $100,000 for any reason (like starting up a business) and have at least a 680 credit score. 

You can contact me with comments or questions at www.YesnerLaw.com or Shawn@YesnerLaw.com

Oct 4, 2019

This week, we have our friend Chris Calandra with Elliot Wealth Management Services, LLC, as a guest talking about the seven wealth building rules:

1. Importance of Goal Setting

2. Preparation is Key

3. Developing a Wealth Building Plan

4. You Need a Team

5. Tracking Progress

6. The Power of Diversification

7. Be Careful with Debt

You can find Chris at ccalandra@elliottwealth.com or www.elliottwealth.com.

Many thanks to our NEW sponsor, www.anyreasonloan.com. If you have a credit score of 680, and you need $25,000 to $100,000 for any reason, fill out the laser lightning half page online app and get a response within 24 hours.

To contact me directly, email Shawn@YesnerLaw.com or www.YesnerLaw.com. If you enjoy the content, please share it and invite your friends to subscribe to the show on whatever podcast player they use to listen to podcasts!

Sep 26, 2019

This week’s episode of The Crushing Debt Podcast is the result of a client question - what happens to judgment liens that attach to inherited property?

First we have to talk about when liens attach to property and the different kind of liens, then we have to discuss what happens when the person passes who owes the debt.  This week’s episode touches on both lien and probate issues.

If you have a judgment lien against your property, or if you inherit property that may have judgment liens from the grantor who died, please contact us to help remove the lien.  Shawn@YesnerLaw.com or www.YesnerLaw.com.

Sep 19, 2019

Did you know that the Bankruptcy Court for the Middle District of Florida will be the first bankruptcy court in the Country to roll out a program designed to help borrowers repay student loans in a bankruptcy?

As of October 1, 2019, the US Bankruptcy Court for the Middle District of Florida will begin to offer a modification program within the bankruptcy to help borrowers negotiate and reduce the amount of their student loan payments.

Student loans are still non-dischargeable under the bankruptcy code but, like the mortgage modification mediation program, the bankruptcy court hopes that the Student Loan Management Program - SLM or SLM Program - will help student loan borrowers who might otherwise be forced into bankruptcy because they are unable to repay their student loans.

This week’s episode of The Crushing Debt Podcast explains the bankruptcy court’s order and explains how the program is going to work.

Are you struggling with your student loan payments?  Do you know someone who is struggling to make their student loan payments?  Please refer them to us. We now have another tool to help them manage their student loans!  Shawn@YesnerLaw.com or www.YesnerLaw.com.

Sep 12, 2019

In last week’s episode of The Crushing Debt Podcast, we interviewed Cole Boling of The Boling Group Coaching & Consulting Services. Those who recall, Cole also has a background as a Realtor and it was his wife, Jamie, that was the listener who reached out to me.

This week’s episode of the show is my interview with both Jamie and Cole around their real estate business.  Jamie is a Realtor with Keller Williams, first in Topeka, Kansas, and now with The Boling Group here in Tampa, Florida.

Jamie, Cole and I talk about:

  • Why they moved from Topeka to Tampa
  • Some of the differences between the two markets
  • Whether there is a real estate “bubble” forming
  • Flipping houses in Tampa (and Topeka)
  • Buying Investment properties
  • Opportunities to join The Boling Group Team

You can contact Jamie at Team@TheBolingGroup.com or visit her website at www.TheBolingGroup.com.

If you’re a listener and want to connect with me directly, either to talk, ask questions, or be interviewed on the podcast, you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

 

Sep 5, 2019

It’s great meeting fans of the Crushing Debt Podcast, which is how I met my guests this week, and next week.

Cole Boling, owner of The Boling Group Coaching and Consulting Services, has over 2500 hours of coaching businesses large and small on setting and achieving goals. While Cole started as a Real Estate Agent, his coaching programs fit any type of business owner, including Realtors and other professionals.

You’ll hear about Cole’s three pillars - having a written business plan, a lead generation plan, and a financial plan. We also talk about:

  • How the company started
  • How Cole and his wife and kids ended up in Tampa (moving from Topeka, Kansas, and
  • Cole’s focus as a business coach

You can reach Cole on Facebook (search for Boling Group - Coaching and Consultant Services), on the web at ColeBoling.com, or by email at Cole@ColeBoling.com.

If you have questions for me - or if you’re a fan who wants to reach out to have coffee and a good conversation - you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Aug 29, 2019

In this week’s episode of The Crushing Debt Podcast, I’m joined again by our associate attorney Lauryn as we discuss a few different topics, including a few listener questions.

  • What is a TRIM Notice?
  • Lauryn’s first hearing (solo) as an associate attorney
  • How we helped two different clients eliminate garnishments
  • How we scared off a creditor with one letter
  • Listener Question - how a lien can be removed from property.
  • Listener Question - how to evict mom (written lease expired, tenant refuses to leave, and has done damage to the property).

What questions do you have that we can answer around debt, foreclosure, landlord / tenant questions, property taxes, IRS debt, bankruptcy, or garnishment? Please contact us at www.YesnerLaw.com, me at Shawn@YesnerLaw.com or Lauryn at Lauryn@YesnerLaw.com.

 

Aug 22, 2019

This week’s Crushing Debt Podcast Episode is inspired by a few financial advisors we know, including past guests like Forrest Baumhover, and our sponsor, Chris Calandra with Elliot Wealth Management Services.

When someone files bankruptcy, their concern is “what can I keep?” That question is answered by reviewing the debtor’s exemptions - those things protected under State or Federal Law.  One of the items protected is IRAs, Individual Retirement Accounts.

However, the United States Supreme Court came out with a ruling that not all IRA’s are protected.  IRA’s that are inherited, while exempt from withdrawal penalties, are not protected under the bankruptcy code.  Meaning, if you inherit an IRA and have to file bankruptcy, that IRA will have to be paid to the bankruptcy trustee to repay creditors (unless some other exemptions apply).

In this week’s episode, we discuss the logic behind the Supreme Court’s decision.

Do you agree?  Do you think inherited IRA’s should be exempt, or subject to repay creditors?  Let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Aug 15, 2019

In this week’s episode of The Crushing Debt Podcast, I again visit the Freddie Mac (Federal Home Loan Mortgage Corporation - FHLMC) Exclusionary List. For those who don’t know what it is: if a real estate professional (Realtor, Mortgage Originator, Title Company, Inspector, Appraiser, Attorney, etc.) finds themselves on the List, they cannot participate in a real estate transaction involving Freddie Mac.

One frustration with helping people come off the List is that Freddie Mac does not provide any input on what it takes to come off the List, except a paragraph or two on a policy worksheet that they send with the original letter putting someone on the List, and any denials of requests to come off the List.

Since Freddie relies on their policies, I thought I’d take a more thorough look at them in this week’s episode.

If you want more content about the Freddie Mac Exclusionary List, please listen to:

- Episode 134 - an explanation of the List I provided at a seminar called Become A Better Agent (or BABA).

- Episode 132 - Coming off the Freddie Mac Exclusionary List

- Episode 83 - An update of various approved and denied requests to come off the List

- Episode 32 - an introduction to the List.

If you are on the List, or know someone on the List, we have helped people come off the List.  Please share any of these episodes, and have the person on the List contact us for a free consultation.

Shawn@YesnerLaw.com or www.YesnerLaw.com

Aug 8, 2019

We have a special guest host on today’s episode of the Crushing Debt Podcast, but don’t let the cuteness distract you from the content of the episode.

Today’s episode is a discussion of Florida Statute 501.1377 - Violations involving homeowners during the course of residential foreclosure proceedings.

The statute defines:

  • Equity Purchaser
  • Foreclosure-Rescue Consultant
  • Foreclosure-Related Rescue Services
  • Foreclosure-Rescue Transactions

The statute then defines the requirements of helping someone in foreclosure, or who could be in foreclosure, and the penalties for violation of the statute.

Although there are some exclusions from the law, if you work with people in foreclosure, you need to be aware of the requirements of the statute. If you have questions, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

Aug 1, 2019

Last month was a bit rough. But I’ve always been a believer in mindset and the power of mindset to lift someone out of a bad mood. I appreciate all of you as listeners of the show and thought I would share some of my favorite positive quotes, as a way to lift myself out of this funk, and as a way to help you when you hit a rough patch. Some of these are mine, or I’ve heard from family. Others I’ve read in books or heard at different events. I try to give credit to the author as and when I can.

The process of recording and sharing these quotes with you has helped me to feel better and, for that, I thank you.

What are some of your favorite positive quotes? What are some of your favorite things to do when you’re feeling down?  Please let me know by emailing me at Shawn@YesnerLaw.com or at www.YesnerLaw.com.

Jul 25, 2019

Crushing Debt Podcast audience, meet Lauryn Fabrizio, our new associate attorney at Yesner Law.

Lauryn will be joining me from time to time to “co-host” the show, answer your questions, and provide additional knowledge and an additional perspective.

On this week’s show, we answer a few listener questions regarding various issues, including landlord/tenant law.

To contact me with questions, please email me at Shawn@YesnerLaw.com. To contact Lauryn, email her at Lauryn@YesnerLaw.com.

Jul 18, 2019

One of my goals is to read - I’ve set a goal of 30 books in 2019 and I will smash that goal (I’m on book number 24 as this episode is released, although I was working on book 23 as I recorded the episode).  When I mention “reading” books, I mean legitimately reading physical books or books on my kindle. I am not including audio books, because I listen to podcasts while I drive around.

In this episode of the Crushing Debt Podcast, I review the following five last books I’ve read:

The Purple Cow by Seth Godin. The basic premise of this book is how you can make your business stand out in a crowd.

The Compound Effect by Darren Hardy. This book teaches you that small incremental improvements every day add up to tremendous changes over time.

Whale Done by Kenneth H. Blanchard, Thad Lacinak, Chuck Tompkins, and Jim Ballard. My biggest takeaway from this book is the power of positivity in creating relationships with my staff, my friends, my family and everyone else with whom I interact in all phases of my life.

Raving Fans also by Kenneth H. Blanchard, and Sheldon Bowles. I love Mr. Blanchard’s books because they use stories to make their point, and in this book the lesson is how to create raving fans for your business.

Putting Stories to Work by Shawn Callahan. I have always felt that finding and telling stories in my presentations was a weakness. This book cures that weakness by showing you how to find, incorporate, refresh or retire stories in your presentations.

What are some of your favorite books?

Where do you find your books?

Do you prefer printed books, e-books, or audible books?

Please let me know in the comments, on social media, by email at Shawn@YesnerLaw.com or through the website at www.YesnerLaw.com. You can also order my book - Crushing Debt: 9 Strategies to Eliminate Financial Bullies, and listen all the way to the episode for an offer from me!

Jul 11, 2019

On this week's episode of the Crushing Debt Podcast, I answer more listener questions related to foreclosure law and title law, and I continue to describe my love-hate relationship with foreclosure mediation.

If you have questions that you want me to answer on future episodes, please interact with me on social media, send me an email at Shawn@YesnerLaw.com or contact me through the website www.YesnerLaw.com

Jul 4, 2019

Nick Raithel has been a great friend and resource to The Crushing Debt Podcast, introducing us to some of our best guests, being a guest himself on episodes 64 and 91, and having me on his show - 7 Rules for Real Estate Investing.

Nick was kind enough to provide us with a portion of the content from when I was on his show, Episode 9, which is the topic of today’s episode. Nick and I talk about my 7 Rules for Real Estate Investing, or 7 mistakes I see Real Estate Investors make when investing in property.

Nick’s previous appearances on the show were about writing a book to establish yourself as an authority in your field (episode 64) and writing a book specifically as a real estate investor (episode 91). If you’re interested in contacting Nick, or getting more information about Nick’s system to help you write a book in seven hours, please visit him at www.ContentCorps.net/Yesner

What other Rules do you have for investing in Real Estate?  Please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

Jun 27, 2019

This week’s guest on the Crushing Debt Podcast is one I’ve been trying to get on the show since its inception, so I am so excited to have him on finally!

Charles Shapero is the owner of Widget Bookkeeping & Tax, where his mission is to help his clients pay the lowest amount of tax legally possible using his knowledge of the Internal Revenue Code and his 20+ years experience as a CPA.  I met Charles around 2006 at a real estate investor meeting, and we have been friends and referral partners since.

In today’s episode of the podcast, we talk about the good and bad of the Tax Cuts and Jobs Act (which some people call the Trump Tax Cuts). Love him, like him or hate him, the new Tax Act has some pros and cons, including:

  • Pro - lowers tax brackets
  • Pro - increases the standard deduction
  • Pro - child tax credit
  • Pro - qualified business income credit
  • Con - decrease in personal exemptions
  • Con - Tax deduction caps

Make sure that with the change in the laws, you have your tax planning performed by a CPA that understands both the benefits and drawbacks to the law, so that you pay the lowest amount of tax legally possible.

To contact Charles, email him at Charles@WidgetCPA.com, visit his website at www.WidgetCPA.com, connect with him on Facebook, or call his office 727-953-9493.

If you have questions for me - Shawn@Yesnerlaw.com or www.YesnerLaw.com.

Jun 20, 2019

This week's episode of The Crushing Debt Podcast is my interview with Adam Ulery and Kevin Galang, Tech Guys Who Invest.

I had the honor to be guest number one on the Tech Guys Who Invest Podcast a while back and wanted to return the favor by having the guys on my show.

Adam invests mostly in multi-family properties and Kevin invests mostly in promissory notes. They both invest as a way to get passive income, cash flow, out of debt, and live the lifestyle they choose. They also both have careers in technology.

You'll hear about Adam and Kevin's attitudes towards debt and a few stories about how they got into and out of debt.

To learn more about them, visit www.TGWIPodcast.com or contact them at TechGuysWhoInvest@gmail.com.  Also check out Kevin's second show - Secondhand Success - at www.secondhandsuccess.com

If you want to share a story of how you got into and then out of debt, please visit the website at www.YesnerLaw.com or email me at Shawn@YesnerLaw.com. If you enjoyed this episode, I would really appreciate if you would share the content on Facebook, LinkedIn or any other social media site!

Jun 13, 2019

This week's podcast was inspired by our friend and Realtor Tom Scaglione, an agent at Future Home Realty.

https://www.facebook.com/tom.scaglione

Tom has forgotten more about the Tampa Bay Real Estate market than most Realtors will ever know.

Tom posted about the various laws that passed during the 2019 FL Legislative Session like:

  • Legislation related to expired or old permits
  • Approval of remote notaries
  • Changing insurance AOB
  • Apportioning money for environmental projects and affordable housing
  • Flood insurance changes
  • Tree trimming legislation
  • Texting while driving ban

And some legislation that didn't pass like:

  • Short term rental legislation
  • Emotional support animal legislation
  • Seller and Landlord disclosure laws

Did you follow the 2019 FL Legislature?  What laws would you like to see enacted?  Which should be eliminated?  Share your thoughts with me directly at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Please also visit our sponsor Elliot Wealth Management Services to get your free 15-minute life insurance checkup - www.elliottwealth.com.

 

Jun 6, 2019

In this week’s episode of the Crushing Debt Podcast, I interview Linda McElhaney.

Currently, Linda works as a purchasing manager at Freedom Square Nursing. As a side-gig or side-hustle, Linda started a Mary Kay business and is now working on being a Director.

Some benefits of having her Mary Kay business, Linda has:

  • Learned to Budget, Plan and set Goals;
  • Grown as a person and professional;
  • Has Extra money;
  • Paid down debts; and
  • Taken vacations.

In fact, Linda has paid off over $4,500 in credit card debt in a short period of time, and saved money for an extended vacation overseas.

Incidentally, Linda’s husband also transitioned his love of CrossFit into his own business that now helps support the family.

To speak to Linda about setting up an Mary Kay party, please call 631-766-4459.

If you have questions on turning your side-gig into a full time job, you can also contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

May 30, 2019

In this week’s episode of the Crushing Debt Podcast, I talk about Preparation.

Twice a year, my community has a garage sale.  I find Garage Sales to be low-risk environments to practice your negotiation skills. This is the fourth time I’ve had the opportunity to practice something at my community’s garage sale to help my negotiation skills.

If you want to listen to previous episodes on this topic:

  • Episode 68 was about negotiation, specifically that you need to willing to walk away, and that there is value in selling something you no longer want and don’t want to put back in the garage for the next sale.
  • Episode 86 was about presentation, in other words the presentation of a specific good or service can help with sales.
  • Episode 118 was about patience; how long should you wait to make the sale?

In this week’s episode, preparation could be the difference between making the sale, making the sale at or near the price you want, or bringing the item to Goodwill and getting no value (other than a tax deduction) for it.

What do you like most about Garage Sales?  What lessons do you take from them?  Please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

May 23, 2019

I’m excited about this week’s episode of The Crushing Debt Podcast, because my guest didn’t know she was going to record an episode when she walked into my office, and her boss has been trying to get on the show for a while now.

I’ve known Madison Thayer, the Community Connector for SEC Inspection Services for a little more than a year.  I’ve know her boss, and the owner of the company, Melissa Menikheim, for many more years than that.

SEC Inspection Services is a family owned business here in Tampa Bay that is 20 years old! SEC is an inspection company and Madison and I talk about all of the reasons that an inspection is important - the first being that a home is likely the single largest purchase you’ll ever make in your life, so you need to have someone inspect that asset before you buy to make sure your investment is protected.

Madison and I share stories about inspections: funny stories and horror stories.

At SEC Inspection, all of their inspectors are good lookers.  If you want to contact Madison you can do so at Madison@SECinspection.com or visit the website at www.secinspection.com.

If you want to share an inspection horror story with me, or if you want advice on what to look for once the inspection is complete, you can connect with me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

May 16, 2019

On this episode of The Crushing Debt Podcast, we talk about Solar with Tim Converse of Solar Solutions, Inc.

Tim has owned Solar Solutions for more than 22 years and has been in the solar industry for 26 years.

Tim's company can provide an energy audit to see if Solar is good for you.  You can use solar to heat your pool, power your house, and provide you a tax credit (which does diminish every year unless renewed by Congress). Solar power is not batteries - meaning the house still will not work if the electricity goes out in a storm. 

If you have questions about Solar you can contact Tim at WTRWarmer@msn.com or www.solarsolutionsinc.net

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

May 9, 2019

In this week's episode of The Crushing Debt Podcast I talk about Discovery, the process by which the parties to a lawsuit determine, challenge, narrow, and identify the evidence to be used in proving their case to the judge and/or jury.

There are different types of discovery.  Depositions are questions asked in an interview style, under oath. Request for Admissions are written statements that the party must admit or deny as true.  Request for Production are designed to force the party to show any documentary or physical evidence it intends to rely upon in proving its case. Interrogatories are requests for written narrative answers to be signed under oath. There is an art both to creating and answering discovery.

If you enjoy the content, please share the episode. If you have questions, please connect with me at Shawn@YesnerLaw.com or www.YesnerLaw.com

Also, please remember to visit our sponsor, www.ElliottWealth.com for your free 15-minute life insurance check up.

May 2, 2019

This week, our guest on the show is Steve Hechtman of Rapid Approved Financing, LLC, an alternative business lender.

Steve started the company in 2006 to be an additional source for lending if and when the banks won't lend money.

Steve can help with hard money loans, business loans or real estate loans. All of Steve's loans are non-residential, meaning if the loan is going to be supported by your home or residence, Steve is unable to help.

This episode is unique in that it is the first podcast episode out of all of my 160+ episodes to feature an electric ukulele and an original song - The Rapid Approved Blues!

You can reach Steve at Steve@RapidApprovedFinancing.com or www.RapidApprovedFinancing.com. 

If you have questions for me, please contact Shawn@YesnerLaw.com or www.YesnerLaw.com, and please visit our sponsor for your free 15-minute life insurance checkup at www.ElliottWealth.com

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