Info

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.
RSS Feed Subscribe in Apple Podcasts
2024
February
January


2023
December
November
October
September
August
July
June
May
April
March
February
January


2022
December
November
October
September
August
July
June
May
April
March
February
January


2021
December
November
October
September
August
July
June
May
April
March
February
January


2020
December
November
October
September
August
July
June
May
April
March
February
January


2019
December
November
October
September
August
July
June
May
April
March
February
January


2018
December
November
October
September
August
July
June
May
April
March
February
January


2017
December
November
October
September
August
July
June
May
April
March
February
January


2016
December
November
October
September
August
July
June
May
April
March
February
January


2015
December
November


All Episodes
Archives
Now displaying: December, 2021
Dec 30, 2021

What is your system for setting and tracking your goals?

What did you accomplish in 2021? What are you proud of? What could you have done better?

What will 2022 bring? Will there be a spike in foreclosures? A spike in bankruptcies? A real estate bubble? Inflation?

In this week's episode of The Crushing Debt podcast, I talk about my successes in 2021 and how those can help you, plus my predictions for what 2022 will bring.

Hopefully, 2022 means increased support of our sponsor, Sam Cohen of Attorneys First Insurance. If you know an attorney or title company that needs to shop its malpractice coverage, please let Sam know - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

Do you want to know more about how I set and track my annual goals? Do you agree with my 2022 predictions? Let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com

Dec 23, 2021

Did you know that a HELOC is a second mortgage - it's a home equity line of credit?

Did you know that sometimes a second mortgage can be eliminated in a bankruptcy, but sometimes not?

What happens when, years later, the second mortgage tries to collect after being included in a bankruptcy?

We cover all of these topics and more in this week's episode of The Crushing Debt Podcast.

What is a reaffirmation agreement (listen to Episode 188 for more information) and how does it factor into the analysis here?

Unfortunately, I've seen an increase in cases where someone filed bankruptcy and didn't know they had a second mortgage, didn't realize they had a second mortgage, or didn't properly address their second mortgage within the bankruptcy case. What can I do about it years after the fact? Likely not much, but, as always, I have a few options.

If you have questions about your second mortgage and bankruptcy, please contact us or a local attorney. You can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

Please also support our friend and sponsor Sam Cohen by introducing him to an attorney or title company you know that wants to competitively shop their malpractice insurance renewal. Sam can work with an attorney or title company anywhere in the country, but prefers working with attorneys and title companies in Florida or Texas. You can reach him at Sam@AttorneysFirst.com or www.AttorneysFirst.com

Dec 16, 2021

What could you do with an extra $300 or more in your budget each month? Could you pay off debt faster? Save more money for retirement? Invest? Take a vacation?

In honor of our three hundredth episode of The Crushing Debt Podcast, I brainstormed nearly twenty ways to give you back $300 into your monthly budget - whether by cutting expenses or increasing revenue.

Some of these techniques are discussed in my second book, Become Debt Free in Less Than One Hour, and some of them are new!

Are there any that I forgot?

As I consider hitting the three hundred episode mark, I'd like to thank: all of you listeners for supporting the show, our current sponsor and all of our previous sponsors, all of our guests, and any one else who directly or indirectly has given me advice, feedback or simply a shoulder to lean on from time to time.

Speaking of - please support our sponsor, Sam Cohen of Attorneys First Insurance by referring a title company or attorney to him for a malpractice coverage quote. Sam can be reached at Sam@AttorneysFirst.com or www.AttorneysFirst.com

If you have any comments or feedback for me, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

 

Dec 9, 2021

What four (or five) creditors can foreclose and take away your primary residence?

What legal authority in Florida allows a creditor to take your home?

How does the Florida Homestead Laws play into this analysis?

What can I do if my credit card company records a judgment against my homestead property?

In this week's episode, I describe the four (maybe five) creditors that can take your primary residence through foreclosure: (1) Property Tax Collector, (2) Mortgage Company, (3) Contractor who does work on the home, (4) the IRS, and (5) your homeowner or condo association.

The authority for them to do this, or more accurately, the inability of other creditors from doing this - like credit cards, hospital bills, student loans, etc., is found in the Florida Constitution, Article X, Section 4, and Florida Statutes Chapter 222.

I've been able to use a "Notice of Homestead" to eliminate unsecured liens against homes, but it is not a quick process. Therefore, you want to ensure that you file and record the Notice of Homestead far enough in advance of closing for it to eliminate the lien.

Some of the links mentioned in today's episode:

The Notice of Homestead procedure is found in Section 222.01 and is fairly straight forward, but if you need help, please contact our office.

Please also visit our sponsor Sam Cohen for an "apples to apples" comparison of malpractice insurance if you are or if you know an attorney or title company in Florida or Texas.  Sam@AttorneysFirst.com or www.AttorneysFirst.com

If you have any further questions for me, please reach out at Shawn@YesnerLaw.com or www.YesnerLaw.com

Dec 2, 2021

What is the difference between a Warranty Deed, Special Warranty Deed and Quit Claim Deed?

What is a Quick Claim Deed (hint: doesn't exist)?

Why is it important to recite marital status on a deed and mortgage?

Can someone qualify for financing immediately after being foreclosed (hint: yes!)

On this week's episode of The Crushing Debt Podcast, I follow up from episode 296 to talk about the different types of deeds in Florida, and then answer a few listener questions.

You would do me a huge favor and show your support for the show by introducing a title company or attorney in Florida or Texas who is due to renew their malpractice insurance to our sponsor, Sam Cohen at Attorneys First Insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com 

If you want me to answer your question on a future episode, you can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com

1