Crushing Debt Podcast

The Crushing Debt Podcast is for people who want to eliminate the financial bullies in their lives. It is for listeners who want more money at the end of the month, rather than more month at the end of the money. The podcast provides answers around such topics as real estate litigation, partition, quiet title, chapter 7 liquidation, chapter 13 reorganization, and Chapter 11 business bankruptcies, short sales, loan modifications, creditor harassment and other related topics.
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May 13, 2021

Those of you who subscribe to the Crushing Debt Podcast (which is free to do by the way) know that every six months, I record an episode based on lessons learned at our community garage sale.

This week's episode is all about knowing your audience. Whether we're talking about sales, negotiation, debt settlement or some other topic.

For example, in sales, what items do you put out right away at the beginning of the garage sale?  In debt settlement negotiations, what information do you provide in the first creditor contact?

To hear the entire series thus far:

  • Episode 68 - Negotiations
  • Episode 86 - Presentation
  • Episode 118 - Patience
  • Episode 168 - Preparation
  • Episode 241 - Approach

Garage sales are low impact, low risk environments for practicing your sales and negotiation skills. How do you think that knowing your target audience will help with these skills?  Leave me a comment or send me an email.  Also, please get your free copy of Become Debt Free in Less Than One Hour at

Please also support our show sponsor, Sam Cohen, by referring a title company or attorney to him at or 

May 6, 2021

How can you leverage the law to make more money?

How can you leverage the law to protect what you've created?

I had so much fun with this week's guest on the Crushing Debt Podcast, a former marketer turned corporate director turned lawyer, turned entrepreneur who uses her immense talents to serve women and women-owned businesses - Jamie Moore Marcario, owner and founder of Brava Business Law, the Firm for Female Founders.

Jamie leverages her knowledge of business law to help online coaches and others protect their brands, their processes, and their creativity.

You can contact Jamie at,,, or 727-300-1990.

Please also refer an attorney or title company you know to our show sponsor, Sam Cohen of Attorneys First Insurance, or

Finally, if you want to stay debt free and create more money in your budget to take that dream vacation someday, download (for free) my second book at


Apr 29, 2021

Do you love your bookkeeper?

Do you have someone doing your books, or are you doing it yourself or, worse, not keeping track at all?  If there are checks in the checkbook, is there money in the account?  Do you track your expenses by your online bank balance?

This week's episode of the Crushing Debt Podcast is a repeat guest and our friend Julie Shopa of Clarity Finances.

Julie was previously a guest on Episode 90 of the show, where we talked about her being a Profit First Certified Professional.

You can also hear my interview with the creator of Profit First, Mike Michalowicz in Episode 231.

You can schedule a call to see if Julie if a great fit for you and your company by going to her website -

Make sure you ask the right questions (which we discuss in this episode) to find the right fit with your bookkeeper, and any vendor you hire for your company.

Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Attorneys First Insurance - or

Once you become debt free or set out on that track, how do you stay debt free?  My top tips and techniques are in my second book, Become Debt Free In Less Than One Hour, which you can get for free at 

Apr 22, 2021

Filing bankruptcy can be a difficult decision, that comes with feelings of inadequacy, insecurity, and self-doubt.  However, feeling like you have to file a second time can seem even worse.

Don't let the title of this episode fool you. I will always be available to help consult with past, current, and future clients. It's not so much that I don't want repeat clients, as I want to help my clients stay debt free. In addition, we never judge someone who feels like bankruptcy is the proper choice - it is simply a tool, allowed by our laws, to provide a second chance because bad things happen to good people.

My second book, "Become Debt Free In Less Than One Hour" is designed to help people: (1) become debt free, and (2) stay debt free.

You can get a free copy of the book at:

Some other links mentioned in today's show:

You would also be doing me, the show, and our sponsor a huge favor by referring a title company or attorney that you know to Sam Cohen at Attorneys First Insurance for a quote for malpractice coverage. or

What other tips, tricks or techniques do you use to become and stay debt free?  Let us know in the comments to this show!

Apr 15, 2021

What is the biggest mistake people make after being in a car accident?

What is the number one reason that people who have been in a car accident are forced into bankruptcy?

How can you avoid being charged with a DUI, even if the accident was the other driver's fault?

In today's episode of the Crushing Debt Podcast, my guests Tom Roman and Paula Roman, of Roman & Roman help answer these and other questions, like:

  • What happens if the accident causes the injured party to be unable to work?
  • What is uninsured or underinsured coverage?
  • The first thing someone should do after being in a car accident.
  • Whether handling the car accident claim without an attorney is a good idea.
  • How to read and understand your car insurance policy.
  • The risks of going to trial, and what juries can be told in a trial.
  • Obtaining coverage for dog bite liability.
  • And other topics.

Roman & Roman has been a staple of the Tampa Bay and, specifically, the Dunedin area for many years (since at least the 80's). Tom & Paula are active in the community primarily through the Kiwanis Club of Dunedin. The firm sponsors the Kiwanis Club Annual Fourth of July Midnight Run, one of my favorite 5k, 10k races in Tampa Bay.  This year's run is LIVE (and virtual if that is your preference).  You can find more information, and register, at

To contact Tom or Paula, or to learn more about them and their firm, visit, you can find them on Facebook at Roman & Roman, you can email them at, or you call call them at 727-736-2515.

Please also introduce our sponsor to an attorney or title company you know that is looking to renew or buy malpractice coverage - or

Finally, if you've filed bankruptcy and you don't want to have to file a second time, please get a copy of my second book at

Apr 8, 2021

Gender wage gaps ... glass ceilings ... the pink tax ... these are all things women are still having to navigate in our society.

As a white male that employs three women, what can Yesner Law do to help? What can you do to help?

This week's guest on the Crushing Debt Podcast is Liz Dederer, Tampa-based CEO and founder of Selling with Service. She's a 20-year, 5-time entrepreneur, sales and money coach, advocate for women's empowerment and social justice, and current president-elect for the Lakeland Metro NAWBO chapter. She has a really incredible story about how she got to where she is today, and took me to task on what I can do to support all of the women in my life (my mom, sister, wife, staff, etc.).

You can reach Liz at:

In this episode, Liz breaks down the social and emotional barriers
that prevent women from showing power and speaking our value at work, in our businesses, and in all conversations around and about money. As we examine the glacial pace of progress with women and money, we’ll also take a curious look at what role women play in keeping the wage gap open, including:

  • The #1 mistake women make in conversations around and about money
  • The two words women use that keep them held back
  • How to increase your ask — every day, in every way
  • 3 strategies to disrupt the conversation so we close the wage gap for good
  • The #1 mistake we make when it comes to conversations around and about money
  • 5 simple steps to creating a high-touch, low-tech boutique service business
  • Actionable sales habits to grow your business in 15 minutes a day

There were so many mind-blowing moments in this episode, that it was one of my favorites.  We had a great time recording and I see things in a new light around women and equality.

Please visit our sponsor, Sam Cohen, and refer an attorney or title company you know to him for a quote for malpractice insurance - or

I like to think that debt knows no gender or color, although I'm sure there are instances where one portion of our society is more prone to incurring debt than another.  Regardless, my goal is to eliminate debt regardless of age, race, religion, gender, etc. You can find out more by ordering my second book at


Apr 2, 2021

Every year, the American Bankruptcy Institute (ABI) hosts a 2-day Continuing Education Seminar on bankruptcy law, The Alexander L. Paskay Memorial Bankruptcy Seminar. Each seminar produces multiple topics that I bring to you in different episodes of the show.

This week, one topic we discussed was how to confirm Chapter 13 (payment plan) bankruptcies faster.  So I brainstormed thirteen ways to confirm (successfully complete) a Chapter 13 bankruptcy case, including:

  1. Have All Your Documents
  2. Get Pay Off quotes from all Secured Creditors Prior to Filing
  3. Send Filed Tax Returns to the Trustee Annually
  4. Have Stability in your Income & Expenses
  5. Make Your Chapter 13 Payments
  6. Listen to Your Attorney
  7. Cooperate with Creditors
  8. Cooperate with the Trustee
  9. Be Honest With Your Attorney
  10. Review Documents Filed by Creditors
  11. Estimate Accurately Before Filing
  12. Communicate After the Case is Over
  13. Check Your Credit

Are there any that I missed?  Let me know and I'll update this episode at a future date.

If you have questions about Chapter 13, contact me or contact a local attorney.

If you are an attorney or title company, contact our sponsor, Sam Cohen, for a free quote on your errors & omissions (E&O or Malpractice) insurance. or

For more tips on how to have more money at the end of the month rather than more month at the end of the money, please download my new book (for free, in exchange for your email) at

Mar 25, 2021

Do you find yourself stuck in a J.O.B. (“Just Over Broke”)? If so, can you jump-start your own firing, freeing yourself to move on to bigger and better things and attain the success that you desire.

In today's Crushing Debt Podcast episode, I'm excited to interview my client and friend, the author of the new book "Why My J.O.B. Quit Me!" Mechiel Kopaska.

Mechiel shares her story and how she went about transitioning out of the corporate IT world to become an entrepreneur and her own boss in the world of real estate investing.

What inspires me about Mechiel is that, for her, failure IS an option for becoming successful and taking risks is not only okay but encouraged. Throughout her book and her life, Mechiel embraces the need for fearlessness, discipline, adaptability, and drive and determination

Mechiel is, first and foremost, fearless. It's how she lives her life and runs her business. Her success in real estate investing came through the school of hard knocks, rather than paying gurus for their "courses." Mechiel excels at connecting with people and solving their problems.

Connect with Mechiel at:



Or join her Facebook Group: FEARLESS - Real Estate Innovator Group.

Please refer our sponsor to an attorney or title company you know that needs errors and omissions, or malpractice, insurance at or

For a free copy of my book, Become Debt Free in Less Than One Hour, to get yourself on the path of becoming debt free, please visit

Mar 18, 2021

Did you know that Freddie Mac and Fannie Mae can stop you from buying or selling a house? They can stop you from making a living if you're in the real estate industry?

Being on the Freddie Mac Exclusionary List is NOT an accolade. It is something you want to avoid entirely if possible.  Why? Being on the List means that you are prohibited from being involved in a transaction where Freddie Mac is a party. 

Luckily, I have had a few years of experience helping people come off the List and, while my record is not perfect, we have helped more people come off the List than not.

Today's Crushing Debt Podcast episode is for those who might be on the List:

  • Mortgage Originators
  • Realtors
  • Title Companies / Title Attorneys
  • Appraisers
  • Inspectors
  • Notaries, and others

Beware those things that can get someone on the List:

  • Lack of Control
  • False Invoices
  • False Documents
  • Poor Investment Quality of the Loan
  • And any other thing that may bring harm to Freddie Mac

Today's show is really a scaled-down version of a consultation for someone who might find themselves on the Exclusionary List and how we help people try to come off the List.

For more information, listen to previous Crushing Debt Podcast episodes on the topic, like Episodes 32, 83, 132, 134 and 179. Or check out our YouTube Channel:

Please remember to visit our sponsor, Sam Cohen at And if you know a title company or attorney (maybe one who lost malpractice coverage for being on the List) refer them to Sam at

I am also still promoting my second book "Become Debt Free in Less Than One Hour" at

Mar 12, 2021

To prevent the spread of COVID, the Centers for Disease Control and Prevention (CDC) ordered a prohibition against eviction if the tenant filed an affidavit with the Court and the landlord attesting to five criteria:

  1. Tenant used best efforts to obtain all available government assistance for rent or housing;
  2. Tenant earns no more than $99,000 in annual income for the Calendar Year 2020 - 2021 (or no more than $198,000 if filing a joint return), or was not required to report any income, or received a stimulus check under the CARES Act;
  3. Tenant is unable to pay full rent due to substantial loss of income, loss of hours, lay-off or extraordinary out of pocket medical expenses;
  4. Tenant is using best efforts to make timely payments that are as close to the full payment as the circumstances permit;
  5. If evicted, the tenant would likely become homeless, move into a homeless shelter, or need to move to a residence shared by other people who live in close quarters.

The CDC is also clear in its order that they are not waiving the obligation of tenants to eventually pay the rent that is owed, and that the full past-due rent will be owed to the landlord when the moratorium ends.

The declaration form is available here

The CDC Order was set to expire on January 21, 2021, and was extended. As of this recording it is scheduled to expire March 31.

There was a federal court judge in Texas who ruled the order was unconstitutional, but that court battle will likely continue far beyond any expiration of the CDC Order.

In this week's episode, I unwrap the CDC's order and talk about ways landlords AND tenants can comply or avoid the order. We have handled a few evictions where the CDC Affidavit has been filed by a tenant (or recommended a tenant file the affidavit) and Courts will have a hearing to determine the order's applicability.

What should you know about the CDC's Order?  That's the subject of today's episode!

If you want me to speak to your group about the CDC Order, you can reach out to me at If you need to cut expenses or increase income to attempt to generate more money to comply with the order, order my free book "Become Debt Free in Less Than One Hour" at

Please also refer any attorneys or title companies you know to our sponsor, Sam Cohen at or

Mar 4, 2021

Over the last few years I lost about 50 pounds by running, coaching my boys in sports, and eating better. The problem is that when I went to Court, I looked like I was wearing "grandpa's suits!"

Erin Wamboldt with Bespoke & Co. changed my image, helped me pick out suits that fit correctly AND were comfortable. I could feel a renewed confidence knowing my clothes were comfortable and looked good!

My guests this week are Francesca Zampaglione, a CPA-turned-stylist, introduced to me by my other guest, Erin Wamboldt.

The three of us discuss:

  • Why image matters;
  • How to dress for Zoom;
  • What not to wear;
  • Importance of image for career success; and
  • Other image-related and style topics.

Francesca has a course on how to dress for success in virtual interviews, which can be found at her website - Or you can contact Francesca at

If you want to connect with Erin you can email her at  In addition to custom clothing, Erin can help Grooms preparing for their wedding day and Brides that may need clothes for the rehearsal dinner and reception!

Please also recommend our sponsor, Sam Cohen, to an attorney or title company you know- or

If you have any other debt-related questions, please connect with me at


Feb 25, 2021

Are your friends, loved ones or clients showing signs of impairment that is affecting their financial lives?

On this week's episode of The Crushing Debt Podcast, we talk to Elder Law attorney and professional guardian Ha Thu Dao about the signs of cognitive loss and to suggest steps to take to help those who may suffer from having an impact on their financial well being. How can you recognize the signs of decline, physical and mental.

Ha works with Christie Arkovich, who has been on the show five times discussing various aspects of Student Loan debt (episodes 50, 93, 99, 106, 234). 

You can reach Ha by email at or visit her website at 

Please also refer an attorney or title company you know to our sponsor, Sam Cohen at or

Finally, please order your free copy of my latest book, Become Debt Free in Less than One Hour, and come up with strategies to crush your debt:


Feb 18, 2021

Financial issues are often the cause of divorce, but what happens to joint marital debt when parties get divorced?

How can someone getting a divorce manage their debt?

How can someone protect themselves when the Court orders an "equitable distribution" of the debts & other liabilities?

This week's guest on the Crushing Debt Podcast is Shiobhan Olivero, an experienced trial lawyer, business owner, adjunct professor, mentor, coach, speaker, and mother. She brings her unique perspectives and experiences into her speaking, mentoring, and coaching programs.  In addition to delivering persuasive arguments to juries, she has delivered presentations at schools, business conferences, leadership conferences, legal seminars, classrooms, and workshops.

With the powerful tools delivered through her presentations and coaching, Shiobhan wants to help and inspire her audiences and clients to be the best people they can be so that they can lead a happier, healthier, and fulfilled life.

You can reach Shiobhan at:





Divorce Workshop:

Please also refer an attorney or title company to our long-time friend and sponsor, Sam Cohen of Attorneys First Insurance -, or

If you are recently divorced and looking to become debt free, connect with me at



Feb 11, 2021

I am very excited about this week's guest on The Crushing Debt Podcast.

His daughter was on Episode 63 - discussing ActionCOACH Tampa Bay and The Five Ways system.

His wife was on Episode 193 - OMG! WTF!

Today's episode is my interview with third ActionCOACH Tampa Bay partner - Ford Kyes! I've known Ford for more than 13 years and we discuss:

  • How business owners can break out of a slump
  • Developing other opportunities to increase income
  • How to maintain focus, especially when you feel like you're losing it
  • Setting SMART goals
  • And other topics

You can visit their website, and visit the Events Page to register for a complimentary event and coaching session!

You can also find their first book, OMG! WTF! and find information about the release of their second book, tentatively titled "Go Focus Yourself!"

Please also visit our sponsor, Sam Cohen at Attorneys First Insurance, or Refer an attorney or title company you know to Sam for a malpractice insurance quote.

If you want to become debt free, order my new book at 

Feb 4, 2021

When I moved to Clearwater to take a job at a foreclosure mill law firm, the firm provided a retirement account to all of its employees. I remember meeting with the financial advisor. Instead of getting financial advice, I got graphs and charts all in pretty colors.  I didn’t understand a thing about what the advisor was suggesting, but the colors on his charts were pretty!

This week’s guest on the Crushing Debt Podcast is nothing like that financial advisor. Simon Brady is the founder and owner of Anglia Advisors, and focuses on working with individuals with major life changes - newly divorced, widows/widowers, foreign nationals and new parents.

Simon and I discuss:

  • Re-writing wills and life insurance after a divorce
  • Changing bill pay and other financial products
  • Adjusting retirement planning
  • Accounting for previous joint debt
  • Accounting for financing for previous homes and cars

You can reach Simon at for more information.

Also remember to refer an attorney or title company you know to our sponsor Sam Cohen at Attorneys First Insurance - or

Please also check out my new book for more ideas on making money and reducing expenses: 

Jan 29, 2021

Will evictions and foreclosure ever resume?

Since being inaugurated, President Biden has by executive order extended federal moratoriums on evictions, foreclosures, and student loan repayments first implemented by the CARES Act, the CDC, and the previous administration.

Although recorded recently, some of the timelines in this episode have already changed.  As of this post:

  • Evictions for purposes of COVID are postponed under CDC guidelines until March 31, 2021 (although rumor is this will extend to September 2021);
  • Foreclosures are postponed until February 28, 2021 or March 31, 2021 depending on the owner of the loan; and
  • Student Loan payment, interest, collection on federal loans held by the US Department of Education are suspended until September 2021.

Check back here, or at or follow us on social media for the latest information.

What should you know?

Evictions - the CDC prevents evictions if the reason for eviction is due to a loss of income caused by COVID. This only impacts residential evictions, and the CDC has five requirements that the tenant must attest to under penalty of perjury. If one of those five requirements is missing, it is probable that the tenant could still be evicted.

The CDC has not (and cannot) eliminate the requirement to pay rent. There is rental assistance available to the tenants to catch up on most or all of their unpaid rent.

Foreclosures - FHA and FHFA have suspended all foreclosures and bank-owned evictions until February 28 or March 31, 2021 (unless extended again). The CARES Act requires lenders to offer a repayment plan, and many lenders can modify the loan, but cannot require a lump sum to catch up past due payments missed due to economic factors caused by COVID. The CARES Act does not eliminate the requirement to pay mortgage payments.

Student loans - For federal loans owned by the US Department of Education, there is a suspension of payments, interest accrual and collection, until October 2021.

If you have specific questions, please reach out to

Please also refer an attorney or title company you know to our sponsor Sam Cohen - or

Stay safe, get a vaccine, wash your hands, social distance, and please be nice to each other!

Jan 21, 2021

When would you send someone flowers? A birth? A death? Graduation? Promotion? Medical recovery? Just moved in? Employee benefit?

What if, instead of flowers, you could send a meal made with fresh ingredients by a gourmet chef?

My interview this week is with Micah Serwitz, owner of Instead of Flowers, a gourmet food delivery service.  I've used Instead of Flowers to send meal gifts to someone recovering from a heart attack, to a family displaced from their home after a fire, and I've heard of them being used for all the reasons above, and more!

Micah and I discuss: (1) how and when people can use Instead of Flowers, (2) why they are different than a standard meal delivery service, and (3) how the pandemic has impacted their business.

You can order from or for anywhere in the United States at their website: If you don't know what your recipient would like to eat, you can order a gift card as well and they can choose!

Please also refer an attorney or title company to our sponsor, Sam Cohen at Attorneys First Insurance - or

While they're eating a delicious meal, your recipient can also read my book to become debt free -

Jan 14, 2021

Do you dream of taking your business to the next level, but don't know where to start?

Do you want to work on the things that light you up versus the things that drag you down?

Learn how to maintain a positive attitude even in the face of adversity!

Do you feel stuck in a hole or stuck in a rut and want to get out?

Have you created complimentary businesses to provide additional revenue to you and your company?

I am beyond excited to bring one of my heroes, one of my mentors onto this week's episode of the Crushing Debt Podcast - Dr. Ivan Misner, Founder and Chief Visionary Officer of BNI, the world's largest business networking organization.

You'll want to have a pen and paper with this episode, as Dr. Misner answers the above questions and the interview is FILLED with knowledge you can use to widen your network and generate more business.

You can follow Ivan on Social Media.  You can check out BNI at (or the Tampa Region at, or follow his blog at

Please also refer (in the spirit of giving) attorneys and title agents you know to our sponsor Sam Cohen. or

Please also check out my free book on how to become debt free:

Jan 7, 2021

What books have been the most influential to you? Who are your favorite authors?

For as long as I can remember, I have read - books, magazines, articles, whatever I can get my hands on. I enjoy reading and believe that the most educated becomes the most successful.

In 2020, I made a goal to read 50 books. I accomplished that goal on December 15, 2020, and read two more books, bringing my total to 52 books for the year (averaging one book per week).

As I've done the last few years, I wanted to highlight some of the books I read, and the lessons learned. All fifty-two book had an impact on me, but these are the ones that stood out.

Thanks again to our friend and sponsor, Sam Cohen with Attorneys First Insurance, who you can reach at, or

The below list are the books I discuss on the show.  Some of the links are affiliate links, so if you click on the link and buy a book, I might earn a small fee:

I'm looking for more books to read in 2021.  What are your suggestions?