If someone owes you money and files bankruptcy, how do you get paid?
What is the role of the bankruptcy trustee?
How does the bankruptcy trustee value assets?
This week's episode is great question by one of our listeners, and former guests Mechiel Kopaska, who sent us a question about how the bankruptcy trustee pays out creditors in a bankruptcy case.
You can hear Mechiel's episode here: https://yesnerlawpodcast.libsyn.com/stuck-in-a-job-episode-263
You can find her podcast here: Episodes - Mechiel Kopaska
George and I also talk about how to keep down the cost and expense of a move (something George recently experienced), and George's Money & Kids Seminar.
We would love more listener feedback! Are there any questions we can answer on the show? What more can we provide to you to add value - a summit, a course, a webinar?
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
The Fed raised interest rates. What does that mean for you?
In this week's episode of The Crushing Debt Podcast, we discuss:
You can find the article we discuss at this link: https://news.yahoo.com/five-ways-fed-interest-rate-100000962.html
Let us know how you are or will be impacted by these changes? Do you think a recession is coming? Are we in a recession now?
Please also visit our sponsors:
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
Why are money myths so popular on social media?
How can you avoid falling prey to the "get rich quick" messages?
How do we convince the younger generation to save and invest?
This week's guest on The Crushing Debt Podcast is Rachel Nohlgren of Mustard Seed Advisors of Raymond James. Rachel began her career in financial services in 2005, earned her Series 7 security license in 2011, and became a partner in Mustard Seed Advisors in 2017 - from the smallest of seeds, grow the largest of trees.
You can reach Rachel at Rachel.Nohlgren@RaymondJames.com or www.MustardSeedAdvisors.com.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
Do you know how to find the mistakes in your medical bills and then fix those mistakes?
Do you know how to find the mistakes in your medical coverage and then fix those mistakes?
Knowing those two things could save you hundreds or thousands of dollars on your annual medical expenses!
This week's guest on the Crushing Debt Podcast is Dr. Virgie Bright Ellington, author of the Crush Medical Debt book (we LOVE the title). Dr. Virgie also hosts a live show on Thursdays at 5 PM Eastern called Ask a Doctor on the www.VoiceAmerica.com network.
You can pick up a copy of Dr. Virgie's book at www.CrushMedicalDebt.com and email her at support@CrushMedicalDebt.com.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
What can you do to get out of a financial rut?
How do you save for vacation?
How can you get out of debt?
We welcome back George Curbelo of Curbelo Financial Coaching. As a financial coach, George helps you create a judgment-free environment that will help guide you from struggling to thriving with your money!
We discuss the questions above and more on this week's episode.
For more information, or to contact George, you can email him at GCFinancialCoach21@gmail.com.
You can also listen to Episode 307, about how I save money and plan for vacations.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
Shawn@Yesnerlaw.com / www.YesnerLaw.com
What happens when life gets in the way - winning the lottery, sending kids (or yourself) to college, new babies, marriage, sickness, loss of job or income, divorce, and other life events?
This week's guest on the Crushing Debt Podcast is George Curbelo of Curbelo Financial Coaching. As a financial coach, George helps you create a judgment-free environment that will help guide you from struggling to thriving with your money!
A few weeks ago, I put out a request that I was looking for a co-host for the show and George contacted me, so I thought we would record some episodes to see if we have any chemistry. What do you think?
You can contact George at GCFinancialCoach21@gmail.com.
Please also visit our sponsors:
Let me know what you think of George and if you enjoy this episode or past episodes, please share them with your friends that might gain value out of listening!
Shawn@Yesnerlaw.com / www.YesnerLaw.com
What role will title companies play in a closing in the future?
What are smart contracts in Real Estate?
My guest this week on the Crushing Debt Podcast is a fellow alumni of Cumberland School of Law at Samford University in Birmingham, Alabama, where she still resides today. Megan Templeton is a contract attorney with Scott Smith and Royal Legal Solutions.
Megan and I discuss the benefits of blockchain technology, specifically with respect to investing in real estate, including tokenization, digital securitization, reducing fraud and other benefits.
Links for today's show:
Please also visit our sponsors:
Questions or comments for me: Shawn@Yesnerlaw.com or www.YesnerLaw.com.
Why is the majority of the mortgage industry geared against the self-employed business owner?
Why is it more difficult to get a mortgage when you're self-employed?
What types of real estate loans are available to business owners?
On this week's episode of The Crushing Debt Podcast, we talk to Alejandro Szita, a California mortgage broker and real estate broker since 2005. Alejandro is the co-owner of Prosperity Lending, a boutique mortgage brokerage that specializes in self-employed borrowers, including artists, business owners and creative entrepreneurs. Alejandro and I discuss the key to improving credit scores for the self-employed borrower and business owner.
You can reach Alejandro at info@prosperitylending.us.
Please also support our sponsors:
For future topics you would like to hear on the Crushing Debt Podcast, you can also contact me at www.YesnerLaw.com. I would also appreciate it if you enjoy today's show (or any previous or future week's show) if you would share the show with someone else!
What is the difference between owning land versus owning a house?
How can you create passive income using raw land investment?
Today's guest on the Crushing Debt Podcast is Mark Podolsky, the Land Geek. In today's episode, Mark and I talk about his journey into the world of buying, selling and leasing raw land as an investment. Mark has actively invested in real estate and raw land for almost twenty years, completing more than 5,000 transactions in that time.
For more information about Mark, you can email him at Mark@thelandgeek.com, or get more information about his free course at www.thelandgeek.com/quickdeals. You can also find Mark on social media @thelandgeek.
Please also support our sponsors:
If you have questions for me, you can reach me at www.YesnerLaw.com.
How do you create safe, reliable, passive income from the stock market? How is crypto-currency going to massively change our lives?
Why is mindset 90% of investing?
My guest this week is Mark Yegge, the Wealth Architect. Mark is a lifelong learner, author, course creator, mentor and fund manager. He has traded over $14 Billion worth of securities. Using his experience and expertise, Mark is on a mission to change the way we invest.
Mark started investing at age 12, bought his first car at age 16 and "retired" at 39 after starting, building and selling his Wall Street Software Company.
Look for a special offer from Mark at the following web address: Crushing Debt Podcast (destinycreation.com)
Please also visit or support our sponsors:
- Sam Cohen, owner of Attorneys First Insurance, who is looking for attorneys and title companies in Florida or Texas who are starting their companies and want a quote for malpractice or professional liability coverage. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
- Mark Purvis with www.LegacySpotlight.com, who is looking for retirees who are looking for a fun and rewarding project that will bless their families today and for generations to come.
Please also visit my website, www.YesnerLaw.com, for more information and if you have any comments about today's episode, you can email me at Shawn@YesnerLaw.com.
My guest this week lost $50 million in the 2008 Great Recession real estate crash and has recovered!
How did he do it?
Will the market crash again?
What do you say to someone (or to yourself) who is allowing the fear of another 2008-like crash from investing in real estate?
My guest this week is Rod Khleif, a real estate investor, podcast host, author and philanthropist, who gained his education through seminars - by seminars, we mean spectacular failures.
Rod and I talk about mindset, fear, and overcoming fear to build, lose and then rebuild wealth.
You can find Rod:
Rod has a special offer for listeners who text "Rod" to 72345 for his seminar July 29 - 31, 2022, in Denver Colorado.
Please also support our sponsors:
If you have any questions, you can also contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.
What do the wealthy do differently in regards to their money and their investments?
Why would you not want to put your money in a 401k?
This week's guest on The Crushing Debt Podcast is Stephanie Walter, CEO of Erbe Wealth. Stephanie is a legacy cash flow specialist, capital raiser, syndicator and real estate investor. Stephanie's passion is teaching people to "unlearn" what most of us have been wired to think about money, and she educates people on attaining wealth that can be passed on to the next generation.
You can reach Stephanie at:
Please also support our sponsors:
Sam Cohen of Attorneys First Insurance will help new and existing attorneys and title companies to review, purchase or compare malpractice insurance. Sam@attorneysfirst.com or www.attorneysfirst.com.
Mark Purvis (our editor) who created www.LegacySpotlight.com to help retirees who are looking for a fun and rewarding project that will bless their families today and for generations to come, by recording and capturing the wisdom within life's stories.
You can reach us at Shawn@Yesnerlaw.com or www.yesnerlaw.com.
How much money does your spouse make? What about your significant other? What about your roommate or kids?
Many clients get confused that bankruptcy is based on their income alone. Unfortunately, when someone files bankruptcy, whether they can file Chapter 7 or 13 is based on the household income whether or not the spouse, significant other, roommate, etc. files bankruptcy. Unfortunately, this can cause issues when the person filing makes no money, but others in the house make a significant amount of money. How do we calculate how many people are in the household? That's the subject of today's Crushing Debt Podcast episode.
I also provide an update on the Paskay Memorial Bankruptcy Seminar, as well as the proposed increase in the automobile exemption in Florida to $5,000.
We have a second sponsor, who has actually been with the show from the very beginning. Mark Purvis, owner of Real Time Productions, Inc. is the audio editor for the show. Mark has also helped with various videos on the Yesner Law website (www.YesnerLaw.com) and our YouTube channel (Yesner Law - YouTube). You can visit Mark's website at www.RealTimeTelevision.com.
We also want to mention our long-time sponsor, Sam Cohen of Attorneys First Insurance. If you know an attorney starting his or her own law firm, or a brand new title company, that would be a great referral to Sam to write their professional liability coverage (malpractice coverage). You can reach Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Should you pay off your car prior to filing a bankruptcy?
Should you pay off your car even if you're not contemplating bankruptcy?
If you're in bankruptcy, and circumstances change, should you dismiss your case, or convert to another chapter in bankruptcy? Can you even do that?
I think I got my sound fixed from last week's episode, proving that even veteran podcasters get mixed up from time to time but, the show must go on!
I've also got an update on the Listener Pay It Forward Program! Do you want to go to Podfest with me, for FREE (small print: you have to pay for the hotel and transportation - but your Podfest Ticket would be no charge) !! www.podfestexpo.com
I also talk about the title of today's episode - a possible increase in the automobile exemption in the state of Florida that, if passed, would raise the exemption from $1,000 to $5,000, allowing many people who file Chapter 7 bankruptcy in Florida to keep their cars!
Also, when you're in bankruptcy and circumstances change, I describe the thought process behind dismissing your case versus converting to another chapter within the bankruptcy code (typically Chapter 7 to Chapter 13, or Chapter 13 to Chapter 7). You can find more information on these and other topics at my website - www.YesnerLaw.com or email me Shawn@YesnerLaw.com.
Finally, please remember to support our long-time friend and sponsor, Sam Cohen of Attorneys First Insurance. A great referral for Sam would be an attorney or title company that you know that is just starting a new business and needs malpractice insurance, especially if that new title company or law firm is located in Florida or Texas. www.AttorneysFirst.com or Sam@AttorneysFirst.com.
Episode 313 of the Crushing Debt Podcast means Week 1 of Year 7 of content!!
Plus we're back in the office after taking my recording equipment home after COVID shut everything down in March 2020 (although I understand I may need to tweak my sound).
I'm speaking again at Podfest 2022 in Orlando and have the ability to take up to FIVE (5) listeners with me FOR FREE. If you're interested in a free ticket to Podfest 2022, please let me know. You can visit the Podfest website at www.podfestexpo.com.
One of my goals at or before Podfest will be to explore potential co-hosts for the Crushing Debt Podcast. If you're interested, please email me Shawn@YesnerLaw.com.
Finally, if there a bankruptcy tsunami coming? We explore article written by Jeremy L. Retherford, Esq., and Walter E. Jones, Esq., both of Balch & Bingham, LLP, titled "What the Latest COVID-19 Surge Means for Filings in 2022" for the March 22 issue of the American Bankruptcy Institute Journal.
Please also remember to refer an attorney or title company that you know to our sponsor, Sam Cohen of Attorneys First Insurance. Sam helps attorneys and title companies all over the country, but particularly in Florida and Texas, to get fair and affordable malpractice insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
You can email me for more information about anything covered on this week's episode or any previous episodes!
Do you want improved quality of life?
Do you want to get a handle on any financial challenge or problem?
Do you want an objective third party to help with financial decisions, or a guide to ease your financial decision-making?
Our guest on the Crushing Debt Podcast this week is Financial Coach, Dan Bobick. Dan is NOT a financial advisor, he is the owner of Money Works Coaching, a company focused on helping its clients to create a clear path of action to organize and streamline their lifestyle to help get or keep their finances under control.
Dan thinks about finances like three legs of a stool - each one is necessary to have a solid foundation - Mindset, Mechanics and Accountability. You likely didn't accrue a ton of debt overnight, so you're not going to solve or pay off your debt overnight. Dan can help you create a plan to become debt free, and then hold you accountable to working that plan!
You can find Dan at his website: www.MoneyWorksCoaching.com or email him at Dan@MoneyWorksCoaching.com.
A great way to support the Crushing Debt Podcast is to refer an attorney or title company that you know to our sponsor, Sam Cohen. Sam helps attorneys and title companies with their malpractice insurance. Sam can work with attorneys or title companies all over the United States, but has a particular focus right now on Florida and Texas.
Would you hire a financial coach? Would you work with someone to hold you accountable to your financial goals? Let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com.
Work Smarter, Plan Better, Play Louder is the mantra of this week's guest on the Crushing Debt Podcast - Jo DiSanto.
Joe went from $70,000 in debt at age 25, to buying his first home at 30, and is now debt free. How did he do it? Was it luck?
Luck is preparation meeting opportunity!
About Joe
Check out some of Play Louder’s most popular content…
Would you be embarassed to get a second job, a part time job, or a side-hustle to create the additional income necessary to eliminate your debt? If you're able to provide for your family, does it really matter that your second job is driving for Uber? Working at a minimum wage job (or another minimum wage job)? What is the positive mindset of someone who owns their own business, but also must work a second job to provide for their family?
Today's Crushing Debt Podcast Episode is about how to persist when facing debt, and how to do what you have to in order to get out of debt.
Eric Bunch is a friend of the show, and a referral partner of the law firm here in Tampa Bay. Eric owns NTP2 Photography and Video and specializes in helping his clients brand themselves using custom photography and video production. Eric spends his free time with his three boys and wife camping, hiking and doing Scouts with his boys.
Eric tells his story of how he got into debt, and then what he did to get out of debt, all while owning his own business and providing for a family of five!
To reach Eric and follow his projects you can visit him on Facebook or Instagram @ntp2photography.
Eric is also a speaker at Podfest Multimedia Expo 2022, May 26 - 29, 2022, at the Hilton Orlando. You can find more details at www.podfestexpo.com, and if you attend Podfest, please come say hello to me and Eric (we'll also be rooming together at the event).
Please also support our sponsor, Sam Cohen of Attorneys First Insurance, by referring an attorney starting his own firm, or a new title company opening for business. You can connect them to Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
What other things have you done to help pay off your debt? Please email me your stories at Shawn@YesnerLaw.com, and I may ask to feature you on a future episode of the podcast!
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:
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
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:
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.
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:
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.
I have podcast episodes and blogs about how to come off of Freddie Mac's Exclusionary List, but today's Crushing Debt Podcast episode discusses what to do if you get a letter that Freddie Mac intends to put you on the List. Is it possible to stay off the List if Freddie believes you should be on the Exclusionary List?
For other episodes describing what the List is? The significance of being on the List? How someone can come off of the List? An analysis of the different techniques that have and have not worked to get someone off the Exclusionary List. And other topics, you may want to check out the following previous episodes:
If you have questions about the Freddie Mac List, please contact me at Shawn@YesnerLaw.com.
Please also support our sponsor, Sam Cohen, by introducing him to an attorney or title company looking to renew their malpractice coverage at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
Do you continue to learn? What do you do to feed your body, your mind, and your spirit?
Long time listeners know that I read, at least 30 - 45 minutes per day in the morning when I first wake up as part of my daily routine to get ready for my day. The house is quiet and my wife and kids are still asleep (most mornings).
Each year, I like to do an episode on some of more impactful books I've read the previous year, which is the topic of today's Crushing Debt Podcast episode.
While I don't talk about every book (there were 26 of them this year), I do give you brief summaries and take-aways from the following books. My hope is that you find some books in the below list that interest you, that you can read over the coming years:
I had the privilege to interview some of these authors about their books on my show during the year.
I would also like to know what books you've read that are not on this list, that I can read this year or next. What books have had the greatest impact on you, or you have enjoyed reading? Please email me at Shawn@YesnerLaw.com.
Please also support our friend and sponsor, Sam Cohen at Attorneys First Insurance by introducing him to an attorney or title company that would like a quote on malpractice insurance. You can connect an attorney or title company to Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com.
How young did you begin to learn money management skills? How early are you teaching your kids these skills?
When did you buy your first home? Do you wish you did sooner?
How do you teach your kids how to achieve financial independence at a young age?
This week's guest on the Crushing Debt Podcast is Dan Sheeks, the newest Bigger Pockets published author, with his book First to a Million: A Teenager's Guide to Achieving Early Financial Freedom.
Dan is a 19-year high school business and marketing teacher, real estate investor, and personal finance advocate in Denver, CO. In late 2019, Dan launched SheeksFreaks, an online community dedicated to helping young people learn money management skills, start investing in real estate, and pursue early financial independence.
Dan’s Instagram: https://www.instagram.com/
Dan's email: dan@sheeksfreaks.com
Sam Cohen of Attorneys First Insurance supports the show in multiple ways (including offsetting many of the costs of production). Introducing him to attorneys and title companies is a great way to show your support for the show. Sam@AttorneysFirst.com or www.attorneysfirst.com.
Finally, get ahold of me and let me know what you think of this week's episode- Shawn@Yesnerlaw.com or www.YesnerLaw.com.
Small claims court is designed to allow people to settle their disputes, in court, without using attorneys.
The proceedings are a little less formal, there are opportunities to settle the dispute through mediation right at the beginning of the process, hearings are streamlined, and the process is for disputes of $8,000 or less (in Florida).
What should you know about small claims court, and why do few attorneys like to practice in small claims court?
At the very beginning of the show (Episode 7) I also discussed small claims court. You can hear that show at: https://traffic.libsyn.com/secure/yesnerlawpodcast/236985793-yesner_law_podcast-episode-7-small-claims-court.mp3
Please also support our sponsor Sam Cohen at Attorneys First Insurance by introducing him to an attorney or title company that is in need of malpractice insurance, or who has a malpractice insurance renewal approaching. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
If you think it would be helpful for me to develop a course of some materials to help people navigate small claims court with the knowledge of attorney, but without the price tag of one, please let me know - Shawn@YesnerLaw.com or www.YesnerLaw.com.