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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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Now displaying: March, 2021
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: www.fearlessinnovator.com/freebook

LinkedIn: www.linkedin.com/in/mechielkopaska/ 

Instagram: https://www.instagram.com/fearlessrealestateinnovator/ 

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 Sam@AttorneysFirst.com or www.AttorneysFirst.com

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 www.ShawnMYesner.com/BecomeDebtFree

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: https://youtu.be/-xSzE0oJJzY

Please remember to visit our sponsor, Sam Cohen at www.AttorneysFirst.com. 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 Sam@AttorneysFirst.com

I am also still promoting my second book "Become Debt Free in Less Than One Hour" at www.ShawnMYesner.com/BecomeDebtFree

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 Shawn@YesnerLaw.com. 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 www.ShawnMYesner.com/BecomeDebtFree.

Please also refer any attorneys or title companies you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com

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 - www.dressedsmart.com. Or you can contact Francesca at StyledByFZ@gmail.com.

If you want to connect with Erin you can email her at EWamboldt@bespokeandcofl.com.  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- www.AttorneysFirst.com or Sam@AttorneysFirst.com.

If you have any other debt-related questions, please connect with me at www.ShawnMYesner.com/BecomeDebtFree

 

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