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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: February, 2022
Feb 24, 2022

Do you worry about financial factors that are outside of your control? Do you feel anxious about your finances?

"You do not have to choose between a tremendous financial outcome and living a happy meaningful life." -- Jonathan DeYoe.

My guest this week is the author of the best-selling book "Mindful Money." Jonathan DeYoe is an Accredited Investment Fiduciary (AIF) and Certified Private Wealth Advisor (CPWA), and passionately educates businesses, individuals and parents to manage the anxiety of the unknown and focus on financial factors that they can control.

Jonathan and I talk about:

  • The "no shame zone"
  • Get Organized. See if or why debt is increasing
  • List all of your debts and create a pay off priority
  • Reduce spending and increase income
  • Renegotiate, refinance and write off
  • Consider bankruptcy
  • What are financial illusions

Jonathan is offering our listeners his Value Purpose Goals Course for free at this link: https://courses.mindful.money/values-purpose-goals

You can contact Jonathan:

Please also support our sponsor, Sam Cohen, at Attorneys First Insurance by introducing Sam to an attorney or title company that is just starting their company, or who needs to renew their malpractice insurance. You can reach Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com

For more information you can visit my website at www.YesnerLaw.com or email me: Shawn@Yesnerlaw.com 

Feb 17, 2022
The ability to bluff makes you a good poker player, may make you a good negotiator, but may not help you resolve your debt with your creditors.

Who is "Judgment Proof" or "Uncollectible"?

In July 2018, I posted a blog titled "Bluffing Your Creditors? Debt Settlement Ain't Poker." You can find that post here: Bluffing Your Creditors? Debt Settlement Ain't Poker | Florida Bankruptcy Lawyer (yesnerlaw.com)

In the blog post, I advocate that if you have facts or circumstances that show the creditor that you are "uncollectible" then you should be 100% open and honest with the creditor - there's no need to bluff when you have nothing the creditor can collect; there's no need to bluff in debt settlement when you have the winning hand!

What are some of those factors:

  • Exempt Assets (like FL Homestead, 401k, IRA)
  • Head of Household Wage Exemption
  • Unemployment
  • Assets that are fully encumbered or leveraged by debt
  • Income that is exempt (like social security or disability)

When is bankruptcy a good option versus doing nothing at all?

When is settlement of the debt a good option and under what terms - lump sum or over time?

One way to support the Crushing Debt Podcast is to support our sponsor Sam Cohen of Attorneys First Insurance. You can support Sam by referring a new attorney or title company that you know, that needs professional liability insurance to Sam@AttorneysFirst.com or www.AttorneysFirst.com

Please also visit our website to read the blog that inspired this post, and for further information at www.YesnerLaw.com

Feb 3, 2022

Do you come back from vacation amazed at how much you spent while you were away? Do you feel like you have to get back to work just to pay for the great time you just had?

If you're listening to this episode of The Crushing Debt Podcast on its day of release, I'll be getting ready to leave for a few days with my family at Disney World in Orlando, FL (about 1.5 hours from where I live in Tampa). That made me think of over twenty different ways to eliminate debt while on vacation, so that you come back truly refreshed and recharged.

You have to listen to the episode to hear all 21 ideas, but some include:

  • Bring water and snacks with you;
  • Look for specials;
  • Book air, hotel & rental packages;
  • Buy travel insurance;
  • Driving vs. flying;
  • Lunch vs. dinner; and
  • HAVE FUN !!

After listening to the episode, do you think I missed anything? Please let me know at Shawn@YesnerLaw.com.

Please also support our sponsor Sam Cohen of Attorneys First Insurance by referring him an attorney or title company you know that needs to buy or renew its malpractice insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com

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