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Crushing Debt Podcast

  • Financial Literacy & PoliticsEpisode 440:Financial Literacy & Politics

    Red or Blue? Republican or Democrat (or some other political party)?

    Our goal on this week's episode is not to debate one candidate over another, or one party's philosophy over another's, but we did think we would take time after the recent election to talk about the various fiscal policies proposed or promoted by the candidates.

    How will President Trump's reelection impact areas like:

    • Crypto
    • Gas & Energy Prices
    • Interest Rates (specifically possibly limiting credit card interest rates)
    • Tarriffs
    • the Affordable Care Act (Obamacare)
    • Student Loans
    • Tax Proposals

    Rather than promoting or criticizing one candidate or one party's position, we simply discuss what the candidates wanted to accomplish around these financial topics and more.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CD20. With Thanksgiving fast approaching, focus is more important than ever. Magic Mind helps us to stay focused on work and productivity with no sugar high or sugar crash, and it tastes great!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Kids and MoneyEpisode 439:Kids and Money

    How do you teach your kids about money?

    How do you teach your kids to save money?

    Is it better to invest in a Certificate of Deposit (CD), Money Market Account, IRA, College Plan, or something else? 

    Do your kids know the "Rule of 7?"

    This week's Crushing Debt Podcase episode is inspired by Shawn's son's Bar Mitzvah, where he received quite a bit of money in the forms of gift cards, checks, cash, and even a portion of a Real Estate Mortgage and Note.  That got us to thinking - how do you teach your kids about money?

    What is more important - short term or long term? How important is learning patience when it comes to money? Do you get the kids something tangible to represent the investment?

    We answer these questions and more on this week's episode.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CD20. Shawn has been using Magic Mind to crank out work with no sugar high or crash and no impact on his diabetes!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our  Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders0

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  • Escape the Debt GraveyardEpisode 438:Escape the Debt Graveyard

    What is Zombie Debt?

    How do you resurrect your finances after debt rises from the grave?

    How do you protect yourself from old debt?

    What happens when debt expires?

    Happy Halloween!!  Debt doesn't have to be scary, but debt that resurrects itself can be.  What is more scary than debt is burying your head or ignoring your debt.  In the State of Florida, debt is valid for 20 years from the time a judgment is entered (and we have seen one or two cases where the creditor filed to extend the debt beyond it's 20-year life). In some cases, creditors are trying to collect debt that has been discharged in bankruptcy, that has been expired, or that is beyond the statute of limitations.

    What can someone do in a scenario like this?  How can you protect yourself? That's the subject of today's podcast episode.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CD20 and enter code CD20. Shawn has been using Magic Mind to crank out work so he can go trick or treating with his kids, with no high, no low, and no sugar impact or crash!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com.  And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • How To Get The Government to Crush Your Debt -...Episode 437:How To Get The Government to Crush Your Debt -...

    How can you get the government to give you money to pay rent, mortgages and utilities?

    Is grant money easy to get?  Do you have to pay it back?

    This week's episode is one of the few that carry an "Explicit" tag, so if you don't like the occassional bad word, please skip today's episode and we'll talk to you again next week.

    This week's guest is Matthew Lesko, a renown expert in government grants and financial aid, known for helping individuals access funding opportunities. He has been studying grants for nearly 48 years, has been awared two New York Times Best Sellers, and has been a syndicated columnist for The New York Times and Good Housekeeping Magazine.

    Shawn & George talk to Matthew about government grants including how to get them, common misconceptions, and other useful websites and resources to get FREE MONEY!

    Specifically, some of the sites mentioned:

    There are TONS of resources out there to help you with starting a business, disaster funding, veteran's benefits, etc. You have to do some due diligence and research, but you can find sources that will grant you various amounts of money.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CD20. Use the code "CD20" - a NEW code - to get 20% off your first order of Magic Mind. Now that Hurricane clean up is under way, Shawn & George have been using Magic Mind to stay focused, and get clean up completed so we can get back to work. It tastes great, has all natural ingredients, with no high and no crash!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com.  And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Financial SlangEpisode 436:Financial Slang

    How well do you know your financial slang?

    How often do you use financial slang?

    Back in Episode 433, we discussed some new terms - HENRY (High Earner Not Rich Yet), ALICE (Asset Limited, Income Constrained, Employed) and DINK (Dual Income No Kids).  That got us to thinking, what other slang words are there?

    We have some of the common ones:

    • Paycheck to paycheck
    • FOMO (Fear Of Missing Out)
    • YOLO (You Only Live Once)
    • Underwater
    • Credit Rich, Cash Poor
    • Broke AF
    • Sandwich Generation

    However, we found some lesser-known, but still slang terms. To learn what these mean, you'll have to listen to today's episode:

    • Fat Finger
    • Muppet
    • Flexing v. Low Key Rich
    • Cockroach Theory
    • Eat Your Own Dog Food
    • Tip from a Dip
    • Financial Glow Up
    • Cookie Jar Accounting
    • Money Moves

    Which ones do you know? Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20.  Our code is changing soon, so use this code NOW for 20% off your first order. Especially with a hurricane(s) approaching, Magic Mind has been useful for Shawn & George to clean and prep their homes in advance of Milton's arrival. 
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our *Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • What To Do After A StormEpisode 435:What To Do After A Storm

    What do you do after a storm or other natural disaster?

    Last week, Hurricana Helene impacted Florida, Georgia, Tennessee and the Carolinas. While the eye of the storm didn't directly hit Tampa Bay, this area suffered a tremendous amount of storm surge and flood damage.

    We hope that our listeners made it through the storm okay, but we recognize that many of our friends, family and listeners were not so lucky.  The purpose of this week's episode is to provide resources to assist those of you impacted by Hurricane Helene, or if you are impacted by some natural disaster in the future.

    Some things you should immediately do:

    • Call Your Insurance Carrier
    • Call A Restoration Company, Public Adjuster, Contractor
    • Call the Bank
    • Tap Into Your Savings if necessary
    • Be Careful about Fraud

    Let us know if you need anything following Hurricane Helene, or share this episode with friends who may need some help!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Especially in helping with storm clean up, Magic Mind has been great to provide an energy and focus boost with no high, no low and no sugar crash!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • How Well Does Financial Advice Hold Up To ScrutinyEpisode 434:How Well Does Financial Advice Hold Up To Scrutiny

    Where do you get your financial advice?

    TikTok or other social media?

    From a Financial Advisor, CPA, or attorney?

    From parents or friends?

    In this week's episode, Shawn & George take a look at some common tips that most people promote as financial advice. What can we debunk, what can we learn from, what is solid advice? Things like:

    • Budget
    • Get Out Of Debt
    • Live on Less Than You Make
    • Save Money

    What other financial advice have you received? What has been good about that advice? What has been bad? Please reach out and share your pros and cons of verious financial advice you received!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Get focused, with no sugar high and no sugar crash, plus it tastes great!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com  or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Meet Henry and his FriendsEpisode 433:Meet Henry and his Friends

    Who is H.E.N.R.Y.?

    Who is his friend A.L.I.C.E.?

    What are some signs that you might be dealing with a H.E.N.R.Y.?

    In 2003, Shawn Tully wrote an article for Fortune Magazine introducing us to H.E.N.R.Y. - High Earner Not Rich Yet.  This is someone who makes between $250,000 and $500,000 per year, but because of taxes, housing and family costs, basically lives paycheck to paycheck. 

    In this week's episode, George and Shawn talk about H.E.N.R.Y. and his friends, A.L.I.C.E. (Asset Limited, Income Constrained, Employed) and D.I.N.K. (Dual Income, No Kids).

    What are the pros and cons of being H.E.N.R.Y.? How can you break the cycle to become rich and stop being H.E.N.R.Y.? How can you climb out of the hole if you're A.L.I.C.E.?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20.  Great taste, focus throughout the day, no sugar high, no sugar crash!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • From Crash to Cash FlowEpisode 432:From Crash to Cash Flow

    What would you do if you lost it all?

    How would you recover after the crash of the market?

    In today's podcast espidose, Shawn & George talk to Kevin Bupp, a real estate investor, podcast host, and best-selling author.  Kevin had over one hundred single-family homes until the Great Recession in 2008, when he found himself in foreclosure and lost everything. Slowly, he rebuilt his financial life and today is again a successful real estate investor focusing on mobile home parks,  parking lots, and other commercial deals through his private equity firm, Sunrise Capital Investors.  Find out the secrets to Kevin's success in today's episode.

    You can listen to Kevin's podcast, "Real Estate Investing for Cash Flow" wherever you listen to podcasts.  You can pick up a copy of his book, "The Cash Flow Investor."

    You can also connect with Kevin:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Focus, energy and great taste, without the sugar high or crash. Both Shawn & George use Magic Mind regularly to help power through the day!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • What is Financial Coaching?Episode 431:What is Financial Coaching?

    George has been a co-host of the show for more than two years, but what the heck does he do?

    We know what a swing coach would do in golf, what a pitching coach would do in baseball, what a QB coach would do in football, even what a business coach would do for a business owner, but what does a financial coach do?

    On this week's episode Shawn & George discuss Financial Coaching. What it is and what financial coaches do for their clients, which is basically:

    • Establishing good habits around money, or helping to identify bad money habits;
    • Accountability;
    • Financial literacy;
    • Identifying your "why" around money; and
    • Motivating you.

    When you step back and look, this is what any coach would do on any subject, really.  We also talk about how to choose a financial coach, and what things you should look for in a financial coach.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn and George have been using Magic Mind to help improve focus and energy with no crash and no inability to get to sleep!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Lessons To My Younger Self - Episode 430Episode 430:Lessons To My Younger Self - Episode 430

    What lessons would you tell your younger self?

    What lessons did you learn that you want to pass off to your kids?

    In this week's episode, George & Shawn talk about what they've learned that they can pass on to their kids, or things they might do differently if they could rewind time.

    Things like:

    • Be intentional in your money decisions.
    • Don't keep up with the Joneses.
    • Have a plan or a budget.
    • Money attitudes & behaviors.
    • Financial literacy.
    • Cook as much as you can.
    • If you can't pay cash, don't buy it.

    What other money lessons have you learned that you would tell your younger self or your kids?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn has been using Magic Mind to increase focus and crank out work with no crash and no inability to get to sleep!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • How To Theme Park Without DebtEpisode 429:How To Theme Park Without Debt

    What is your favorite roller coaster? Are you a fan of wooden coasters? Thrill-ride coasters? Coasters that go upside down? Coasters contained totally inside?

    What is your favorite theme park?

    Would you take out a loan to fund your vacation?

    Would you fund your vacation with credit card debt?

    What are some money-saving techniques that you can implement to reduce the cost or expense of your vacation?

    Shawn & his family just got back from a trip to Disney World in Orlando, Florida. One of our listeners (thanks Ford Kyes!) sent us an article titled "Disney World Beckons These Families. So Does Debt" from the Tampa Bay Times: https://www.tampabay.com/news/business/2024/07/31/disney-world-beckons-these-families-so-does-debt/

    In this week's episode, Shawn & George talk about how to vacation on a budget. And while Disney is notorious for being expensive, this is not a conversation limited to Disney. It applies to all the theme parks equally - Disney, Universal Studios, Legoland, Six Flags, Great Wolf Lodge, etc. For example:

    • Is it worth it to buy the pass to skip the line?
    • Do you stay in the park hotel or offsite?
    • Do you have to book airfare or can you drive to the theme park?
    • Are there any resident or other types of discounts?
    • Do you bring food and snacks versus buying them in the park?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn & George have been using Magic Mind to crank out work and it has helped their focus and energy with no crash and no inability to get to sleep!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Where Did All My Money Go?Episode 428:Where Did All My Money Go?

    What would you do if Money were no issue?

    What stage of life are you in currently, and how does that change your plan for your Money, how does that change your goals around Money, and how does that change how you think about Money?

    Are you ready to transform your financial future?

    After a one-week hiatus (sorry - summer vacations got in the way of recording), Shawn & George are back to talk to Sara LaChance, owner, founder and financial coach at Flourish Coaching. Sara wants to help people and prevent the mistakes, arguments, and stress that accompany money. Money is a powerful tool that can be used for so much good. Sara hopes to help people achieve their money goals and make real change in the world.

    Sara works with and has programs for Independent Adults, Newly Engaged Couples, Married Couples and Business Owners, but she focuses on Divorced Women and Single Moms. 

    You can reach Sara at:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn has been using Magic Mind to crank out work since being back from vacation, and it has helped his focus and energy with no crash and and no high.
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  And please consider a donation to support Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Crowdsourcing DoEpisode 427:Crowdsourcing Do's and Don'ts

    Have you contributed to someone's GoFundMe?

    Have you helped a friend with a Kickstarter Campaign?

    What lessons can you learn from Skeletor?

    In this week's episode Shawn & George talk about Crowdsourcing or Crowdfunding. What are some things you can do to help, and what are some things you should avoid?  What are the various platforms available - although there are likely TONS more out there than what we cover in today's episode, including:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. It keeps us focused and energized all day with no crash and no inability to get to sleep! Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • The Biggest Trap in Real Estate InvestingEpisode 426:The Biggest Trap in Real Estate Investing

    What is the biggest trap in real estate investing?

    How can you avoid it?

    What lessons can you take from what has happened to others in this scenario?

    In this week's episode, Shawn tells the unfortunate story of clients of his, and what happened to them happens more often than you would think. Imagine buying property at the Courthouse Auction. You think you've bought your dream home and, not only that, but you bought it at a GREAT price!  Then, all of the sudden, you learn that in order to keep this dream home or investment property, you need to pay MORE money to eliminate more liens and mortgages! How is this possible? 

    Shawn tells the unfortunate story of how an investment of about $400 would have saved his clients $180,000!  What could these clients have done differently? What could each of the parties involved have done differently?

    We have discussed these issues in previous episodes, including:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn has been using Magic Mind to crank out work in anticipating of being away on vacation for the next week, and it has helped focus and energy with no crash and no inability to get to sleep!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Money Savings Tips for the HolidayEpisode 425:Money Savings Tips for the Holiday

    Happy Fourth of July!

    What are some ways that you celebrate this, or any other holiday, and save money?

    On today's episode of the Crushing Debt Podcast, Shawn & George talk about a few different ways that you can celebrate a holiday without breaking the bank.

    We would love to hear your tips, or if we forgot anything.

    Please also visit our sponsors:

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. You can also support Pancreatic Cancer education and research by joining Shawn's team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • How Much Should You Tip?Episode 424:How Much Should You Tip?

    When do you tip?

    Do you tip based on the bill?  Pre-tax or post-tax?

    Do you increase or decrease your tip based on service? 

    What is the minimum or average tip you typically give?

    This week's episode is inspired by a listener / previous guest Sue Reynolds (you can hear her episode, 248, here: https://yesnerlawpodcast.libsyn.com/when-you-cant-pay-your-mortgage-episode-248). Sue asked when and whether we tip, which is a topic we've never before discussed on the show!

    How do you avoid tip shaming?  Do you tip at a fast food restaurant? Do you tip the owner when the owner provides the service to you? What is standard these days and is it based on industry - for example food service versus haircuts?  When you tip, but you've received a discount, do you tip on the pre-discount or post-discount amount?  Or do you tip a flat fee regardless of the cost? Should servers at more expensive restaurants make more in tips simply because their food is more expensive?  Should wait staff make more in tips simply because they served a table that also orders alcohol versus a table that does not?

    George and Shawn discuss all of these issues, and give real life examples of when they have (or have not) tipped.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20, the World's first productivity energy shot. We love how the Magic Mind shot keeps us focused without a high or a crash!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    If you want to leave Shawn & George a tip, you can visit our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com. You can also help support efforts to diagnose, educate (and one day cure) pancreatic cancer at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • The Secret to Holistic Success - Episode 423Episode 423:The Secret to Holistic Success - Episode 423

    What is the secret to holistic success?

    How to get holistic success?

    What are the five E's to holistic success?

    This week's guest on the Crushing Debt Podcast is Jesse Johnson, Founder and CEO of Champion Empire. We talk to Jesse about his amazing story and why he does what he does. Jesse and his companies have helped his clients pay off over $5 million in personal debt, and increase their take-home income. 

    You can contact Jesse at:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind - https://www.magicmind.com/CRUSHING20 The World's First Mental Performance Shot!  Use our code for 20% off!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. You can also support Pancreatic Cancer research and detection by joining Shawn's team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • What is Spaving?Episode 422:What is Spaving?

    What in the heck does "Spaving" mean? 

    Should you buy the BOGO?

    Should you buy something just because it is on sale?

    Buy 3, get the fourth free - good deal or no?

    This is a week of returns for the Crushing Debt Podcast.  George is back after a one-week hiatus. And we welcome back a former sponsor - Magic Mind!  I'm sipping my Magic Mind as I post today's show. I drink it with my morning coffee and it helps me to stay focused all day, without the jitters!

    You can learn more about spaving by listening to this week's episode, and you can check out these articles:

    Let us know if you get caught Spaving and, if you enjoy the podcast, please share it with your friends!

    Please also visit our sponsors:

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com, and to support Pancreatic Cancer education and research, please join our team - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • The Secret To Deferring TaxesEpisode 421:The Secret To Deferring Taxes

    Do you enjoy paying taxes to the government?

    Do you want to keep more of your profit or gain from the sale of assets?

    Do you know the Tax Code Section, that has been in existence for a little more than 100 years to help (at first) farmers to defer gains on the sale of assets?

    This week's guest on the Crushing Debt Podcast is Dave Foster, a nationwide qualified intermediary for 1031 exchanges. Dave has built his business around a model of education, teaching continuing education courses for Realtor associations throughout the country, as well as educational investor webinars for title companies, attorneys, and real estate brokerages. 

    Dave advocates for the strategic use of defering tax gains using section 1031 of the Internal Revenue Code (the 1031 Exchange). Dave is an example of using the tax code to his advantage  over the years to position his investment portfolio to buy and live on a sailboat for 10 years raising his children.

    Dave didn't start with 1031 Exchanges, but learned the hard way when the government took 40% of the profits from one of his first sales in the form of taxes.  Shawn talks to Dave about some of the benefits of using Section 1031 as an investment strategy.

    You can contact Dave at Dave@The1031Investor.com or visit his website www.The1031Investor.com. 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And we are always accepting donations to support Pancreatic Cancer education, detection and research by joining Shawn's PanCAN team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Hack StoriesEpisode 420:Hack Stories

    Can you spot a scam?

    Do you know when someone is trying to hack your accounts?

    Have you ever been a victim of fraud and how can you avoid it?

    This week's episode starts with a letter that Shawn received from the Social Security Administration. Shawn has been getting a lot of mail lately from the SSA because of benefits for his late wife. However, this letter was address to Shawn's son (red flag), included his wife's cell phone number (second red flag), asked that his son have his bank account information handy (MAJOR red flag), said that Shawn's son had requested the appointment (no he didn't), and provided a date and time when an SSA representative would call him (GINORMOUS RED FLAG).

    What would you do in a situation like that? What did Shawn do?

    George and Shawn also discuss other hacks, like sim card hacks, and ways to prevent or monitor and quickly catch potential hacks.

    If you want to hear how Shawn dealt with this, then listed to today's episode! If today's episode has value, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com, and you can support Pancreatic Cancer research and education by donating to Shawn's PanCAN Team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08 

  • How Much Debt Do I Need to File Bankruptcy?Episode 419:How Much Debt Do I Need to File Bankruptcy?

    This is a question I get quite often - "How much debt do I need to have in order to file bankruptcy?"

    The answer might surprise you - it depends!

    Are you self-employed?

    Have you had a drop in income?

    What type of debt do you have? Business debt? Medical? IRS?

    Typically, our answer is that you need to have more debt than you can repay over a reasonable period of time.  So someone with $30,000 in debt who makes $50,000 per year may be a good candidate for bankruptcy. Whereas someone with $100,000 in debt who makes $1 million per year may be a bad candidate for bankruptcy.

    Today's discussion stems from a conversation George had with a potential client. This person bought a new car for $25,000, with payments of $725 per month on a 5-year loan at 20% interest!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

     

  • Un-Lease Your BusinessEpisode 418:Un-Lease Your Business

    What are the benefits of owning your commercial building?

    What are the drawbacks of owning your commercial building?

    Are you a small business owner, worried about how you're going to fit in your current lease space? Maybe it's too small, maybe it's too big, and maybe your space could provide an additional source of revenue to your business!

    Finally, what special milestone is the Crushing Debt Podcast celebrating with this episode?

    Shawn & George have talked before about the pros and cons of owning versus leasing when it comes to your primary residence and your car, but today, we talk to Paul Neal, author of the book "Un-Lease Your Business: Unlock Wealth, Autonomy and Control By Buying Your Building and Firing Your Landlord." Paul is a commercial real estate financing expert specializing in guiding business owners just like you to buy their first piece of commercial real estate. 

    George and Shawn talk to Paul about owning versus leasing, business credit, the availability of space for your business, and other related topics. You can find Paul, and get a copy of his book at: www.OwnYourBuildingNow.com, or on Amazon.

    As we celebrate George's two-year anniversary as co-host of the podcast, let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. We are proud to have raised over $12,000 to support Pancreatic Cancer research and education. Although the Purple Stride walk is over for 2024, there's still an opportunit to join Shawn's team for next year's walk and to continue to support the families impacted by this terrible disease. Visit MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Score Success: Crushing Debt EditionEpisode 417:Score Success: Crushing Debt Edition

    What factors make up your credit score?

    How does your score increase and decrease?

    What are some credit myths?

    What does FICO stand for?

    There are five factors that make up your credit score:

    • Payment history (35%)
    • Credit Utilization (30%)
    • Length of Credit History (15%)
    • Credit Mix (10%)
    • New Credit (10%)

    In this week's episode, George and Shawn talk about your credit score, the way the five factors above increase or decrease your score, and why your score is important.

    You can read Shawn's blog post here: https://www.yesnerlaw.com/five-factors-that-make-up-credit-score/

    You can also check your score, for free, at https://www.annualcreditreport.com/ which is the only free credit report site supported by the United States Federal Trade Commission (FTC).

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

    While this year's Purple Stride walk is over, you can still support Shawn's team to fight Pancreatic Cancer at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Why Wellness is FinancialEpisode 416:Why Wellness is Financial

    Where do you shop for everyday necessities?

    Can you save money by switching to an online shopping club?

    Can you save money by switching stores?

    Can you generate money by shopping?

    Can you use shopping to get out of debt?

    This week George and Shawn talk to Mark Roth with The Patriot Shopping Club. Mark works with the largest online shopping club in North America and can help you to save money and generate income based on where you shop and what necessities you shop for online.

    Mark is a Dave Ramsey Financial Coach, who completed Financial Peace University in 2019. In 2018, Mark was in about $150,000 of debt. Today, Mark is debt free! Personally, Mark is a personal trainer, nutrition coach, and a black belt in Tae Kwando. 

    You can connect with Mark at Mark.Roth56@gmail.com, or www.ThePatriotShoppingClub.com/Roth.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

    The Purple Stride walk is this Saturday, if you're listening on the day of the release. You can join Shawn's fight against pancreatic cancer by joining his team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  (if you're listening after the date of release, you can join our team for next year!)

  • The Secret to Paying Off Six Figures of DebtEpisode 415:The Secret to Paying Off Six Figures of Debt

    How long would it take to pay off $141,000 in debt?

    How would you do it?  What would you do first?

    Is it okay to invest while still in debt?

    This week's guest is Amanda Sharratt.  Amanda and her husband found themselves in over $141,000 in debt from student loans, credit cards, and other obligations, and they PAID IT OFF in THREE YEARS!!  In this week's episode, we talk about how they got into debt, and how they got out of it (spoiler, without filing bankruptcy).

    At the time of our interview, Amanda was COO and a Financial Advisor with Whitaker-Myers Wealth Managers, Ltd.  As of the time we posted this episode, she is no longer with that company.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

    We are just about one week away from the Purple Stride walk benefiting the Pancreatic Cancer Action Network (PanCAN).  You can join Shawn's efforts to diagnose and treat pancreatic cancer at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08 

  • Convert Your Debt to WealthEpisode 414:Convert Your Debt to Wealth

    Can you become debt free with just a few hundred dollars left at the end of the month?

    If you could eliminate the payment of interest, would that help you to be debt free?

    Would you want to be out of debt in five to ten years?

    How is the payment of debt more like a GPS than a paper map?

    This week, Shawn & George talk to Brian Nates and Tammy Gardner about the Money Max Account system of paying off debt sooner, therefore savings tens of thousands, or hundreds of thousands of dollars in interest! The Money Max Account is a way to tangibly predict when you will be debt free by following the system, but more important it will also tell you the financial impact of various purchases, like:

    • How will buying that investment home impact your ability to become debt free?
    • Should we put our vacation on credit, or save and pay cash, and should we take that vacation 2 months in the future? Six months? Ten months?

    Brian has been in the financial industry for 18 years. He is the owner of Nates Financial Group, LLC, a coach & mentor to over 2,000 agents and an "outside the box" thinker in Financial Services, Business Development and Product Development. Brian is driven to educate, consult and be involved with programs that make a real tangible impact for people and the community as a whole.

    Tammy lives in Clearwater, Florida (home of the Crushing Debt Podcast), and was an Economics major in College at the University of New Mexico. Tammy spent 35 years in the lending industry, initially as a Mortgage loan officer, then spent 10 years behind the scenes in loan servicing, audits and compliance. About 10 years ago, after seeing how the lending industry is truly set up for the banks to win at the expense of consumers, Tammy became a financial advisor. She is passionate about empowering individuals and businesses to make informed financial decisions that put their money to work for them, rather than the banks!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. We only have a few weeks left before the PanCAN Purple Stride walk and you can join Shawn's team in honor of his late wife Melanie at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08 

  • Tik Tok Money HacksEpisode 413:Tik Tok Money Hacks

    What is the "Cash Stuffing" method?

    What is Home Equity Sharing, or a Home Equity Appreciation Agreement?

    Should you get a HELOC?

    How can you become a gazillionaire overnight?

    Are there any useful tips on Tik Tok?

    This week Shawn & George are reviewing advice from Tik Tok because, everything on the internet is true! In this week's episode, we play a clip from Tik Tok and then talk about whether the advice is good, bad or ugly.  We hear Tik Tok advice from:

    • @Rochelleadamsonbudgets
    • @cnbcselect
    • @grantcardone
    • @Maconomics
    • @Jaiferrell_realestate
    • @Timbargfrede_mortgages
    • @Robweinberg
    • @Jackchenderson
    • @OfficialBiggerPockets
    • @realkingkhang

    You can judge for yourself which advice is spot on, which advice is scary, and which advice is just plain wrong!  Please note that we play these clips for entertainment purposes only and neither Shawn, George nor the Crushing Debt Podcast are endorsing any strategy or Tik Tok clip that we play.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com. 

    The PanCAN Purple Stride walk is just a few weeks away and there is still time to support MY Legacy Striders. Any donation, no matter how small, helps!  http://support.pancan.org/goto/MYLegacyStriders08  

  • Signs You Might Need HelpEpisode 412:Signs You Might Need Help

    "Sign, sign, everywhere a sign." -Five Man Electrical Band

    What are the signs that you might need some financial help?

    What are some things to look for or listen for to determine whether you might want to talk to a financial coach? Signs that you might need to seek legal counsel?

    On this week's episode of the Crushing Debt Podcast, George and Shawn talk about the various signs that someone might need help, or might be in trouble financially. 

    There are some common signs, like living paycheck to paycheck.

    There are some signs that suggest you may need some coaching or accountability, like help creating a budget, being on the "hamster wheel," avoiding your mail, using cards for necessities, and feeling like you need to "keep up with the Joneses."

    There are some signs that you need to seek out legal counsel, like getting sued, getting calls from creditors, bouncing checks or overdrawing your account, or an inability to pay for necessities. 

    "Do this don't do that. Can't you read the sign?"

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. Plus, there is still time to join Shawn's Purple Walk team to support PanCAN - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

     

  • Debt In Different Life StagesEpisode 411:Debt In Different Life Stages

    How does debt play a role in different ages and milestones?

    How do we minimize the negative impact of debt during each stage of our life?

    In there a difference in how debt during young adulthood, mid-life, and retirement?

    What is the average debt per person in the US, versus the average salary in the US (hint, visit www.USADebtClock.com)?

    In this week's episode, George and Shawn talk about the different types of debt that we have to manage as we make our way through the different stages of life, for example student loans for young adults, mortgages and consumer debt in mid-life, and medical debt later in life. We also discuss different strategies for avoiding or managing debt at every stage, as well as some universal tips regardless of age or stage.

    Let us know if there's anything we missed, and if you enjoyed this episode please share it with your friends!

    Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

    To join our fight against pancreatic cancer, join Shawn's team, MY Legacy Striders at http://support.pancan.org/goto/MYLegacyStriders08  

  • Money Stress and TriggersEpisode 409:Money Stress and Triggers

    What are some financial stressors out there?

    What triggers your financial stress?

    What is Surge Pricing?  Dynamic Pricing?

    In this week's episode, Shawn & George talk about the various things that can cause financial stress.  Situations like: bankruptcy & foreclosure, job loss, reduced work hours or income, lack of savings, debt, health care costs, separation or divorce, the loss of a spouse, taxes, food and living expenses, and housing expenses among others.

    Did we miss any?  What are some of your financial stressors and how do you deal with them?

    Then, we talk about surge pricing or dynamic pricing - something that theme parks, airlines and uber have been doing for years. When the price of something increases during peak usage time, and decreases during non-peak usage time, that's surge pricing. Blackout dates are another good example of surge pricing. Recently, Wendy's announced (and then recanted) that they were going to implement surge pricing. Imagine a cheeseburger being more expensive during lunch than at 3 in the afternoon. Or image junk food being more expensive late at night than early in the morning.

    Wendy’s says ‘dynamic pricing’ is different from ‘surge pricing,’ but whatever it’s called may still alienate customers (yahoo.com)

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor (who never surge prices), Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page (again, no surge pricing): https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. We are also still fundraising to fight pancreatic cancer - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Living With Mom and DadEpisode 408:Living With Mom and Dad

    If you have adult kids living with you, do you charge them rent?

    If you are living with your parents, do you pay or contribute to household expenses?

    Do you support your friends or family financially?

    Are you a part of the sandwich generation?

    This week, George and Shawn tackle the topic of contributing to household expenses. Nearly 1/3 of 18 - 34 year olds are living at home with mom and dad, and nearly 3/4 of them are contributing financially, according to an article on Yahoo.com - https://finance.yahoo.com/news/sure-hope-won-t-let-120000054.html

    In addition, more than 20% of all americans are relying on friends or family for additional support - https://finance.yahoo.com/news/over-1-5-americans-counting-173000561.html

    We talk about why these numbers are relevant, as well as when you should start talking to your kids about money, and about contributing to the household.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com, and support Shawn's Purple Stride team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Buying a New CarEpisode 407:Buying a New Car

    Should you lease or buy?

    What happens when your lease is over?

    Should you buy out your lease?  Buy a new car?  Lease a new car?  Buy a pre-owned car?

    Shawn was recently faced with these questions when his lease was at the end of its term. Find out what Shawn did and some of the questions he faced in this week's episode of the Crushing Debt Podcast.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com plus you can help support pancreatic cancer research and education by joining Shawn's PanCAN Purple Stride team - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

  • Money TriviaEpisode 406:Money Trivia

    Should your partner get a second job, when you both make over six-figures?

    Where was the world's first paper money created?

    What is the origin of the "greenback" nickname?

    What is the origin of the $ symbol for the US dollar?

    Each week, George and Shawn (mostly George) finds interesting articles on the internet discussing various topics, questions, advice or other information.  This week, it's a few relationship questions from slate.com (https://slate.com/business/2024/02/boyfriend-second-job-salary-personal-finance-advice.html).

    After that, how well do you know your money: https://trivia.fyi/money-trivia/

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com, and you can support pancreatic cancer research and prevention in honor of Shawn's late wife Melanie by visiting MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08 

  • Financial AnxietyEpisode 405:Financial Anxiety

    What are the signs of financial anxiety?

    How does financial anxiety affect you?

    How can you handle financial anxiety?

    We apologize for the audio quality of last week's episode. Apparently, taking a month hiatus also impacted our recording equipment! That issue has been fixed, and the quality of Shawn's voice this week is all mother nature's fault.  George takes the lead this week, talking about financial anxiety, and how to recognize it and address it.

    One of the more important factors in financial anxiety is to understand that you're not alone, nor unique. Many people have been through financial stress or anxiety and resolved their issues - you can too!

    This week's episode is based on an article we found at www.healthline.com/health/anxiety/money-anxiety 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    You can also help support pancreatic cancer research and prevention by making a donation to Shawn's PanCAN Purple Stride walk. MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Love, Loss and LedgerEpisode 404:Love, Loss and Ledger

    After a one-month hiatus, we are back with new episodes of The Crushing Debt Podcast!

    Have you experienced any life changes recently?

    How did those changes impact your budget?

    Our apologies for our silence during the month of January. In this epsidoe, we explain our absence and how it relates to both the Podcast, our daily lives, budgets, debts, medical bills, and other issues related to major life changes.

    This episode is dedicated to the memory of Melanie Yesner. To donate or join MY Legacy Striders, raising money for PanCAN on the Purple Stride Walk on April 27, 2024, visit the following link: http://support.pancan.org/goto/MYLegacyStriders08 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Is Life Insurance Worth it?Episode 403:Is Life Insurance Worth it?

    Welcome to the first episode of 2024 - which should have been the last of 2023 except for a technical glitch.

    Why is a wholistic approach to health insurance, life insurance and wealth building important?

    How can you create a healthy money mindset?

    George is solo this week, speaking with Paola Rodriguez, a wealth building and insurance expert. She is a proud native of Dominican Republic, a graduate of the University of Florida, and an active member of the Tampa community. She was one of the founding members of the Tampa Bay Latin Chamber and is on the board of the Hispanic professional women’s association.

    As the owner of Rodriguez Wealth Group, Paola has helped hundreds of families protect their health and financial nest egg through health and life insurance. 

    Paola’s big audacious goal is to help 200,000 families become financially free.

    Paula can be found on:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

    We're going to take a small hiatus, but will be back mid-January with new episodes!

  • Why Property Insurance is a Dumpster FireEpisode 402:Why Property Insurance is a Dumpster Fire

    Why are homeowner insurance premiums on the rise?

    What happened to the insurance market?

    What is reinsurance and how does it affect your premiums?

    On this week's episode, Shawn and George welcome back Rich Ficca, owner of Advanced Rick Consultants and Director of Risk Management for Florida Coastal and Aureat Group.

    Rich has been on four episodes previously:

    • Episodes 221 and 220 - Business Interruption Insurances (parts 1 & 2)
    • Episode 210 - COVID
    • Episode 69 - Hurricane Preparedness

    We talk about why the homeowner's insurance market in Florida is doing what it is doing; why premiums are increasing; options if your premium has increased significantly; and the future outlook of the insurance market in Florida.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • 15 Reasons People Go BrokeEpisode 401:15 Reasons People Go Broke

    Why do some people go broke?

    Better yet, how can someone avoid going broke?

    Or even better, if broke, how can someone dig theirself out of it?

    On today's episode, Shawn & George talk about the top 15 reasons why people may go broke, and how to avoid those things. Some of them are obvious - not making enough money, burying your head in the sand.  Some of them are not so obvious - penny wise and pound foolinsh.

    You can read the article that inspired this week's episode at this link: 15 Reasons You're Broke and How To Change It (listenmoneymatters.com)

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Sleeping Giant of the Senior Real Estate WorldEpisode 400:Sleeping Giant of the Senior Real Estate World

    WOW!  Four Hundred Episodes! Who knew way back in 2015 that eight years later, we would be 400 episodes in!

    So what is the sleeping giant of the senior real estate world? 

    What is a HECM and can it be used to purchase a home?

    How can a HECM actually INCREASE the commission paid to an agent?

    How can a senior use the equity in their previous home to upsize or downsize into a new home?

    On this week's episode, we have a repeat guest - Michael Banner of www.LetsMoveForwardInReverse.com. 

    Michael became a licensed mortgage professional in 1982. Approximately 15 years ago his passion took a new direction, as his career became focused on assisting the senior segment of our industry as they approached, or were already in, the retirement portion of their lives. The gift of the "longer life spans" can sometimes be a "double edged sword" and Michael devoted his career to helping seniors with reverse mortgages. Michael is a nationally known speaker and published author, and has performed education classes for more than 20,000 financial planners, independent financial advisors, long term care insurance agents, attorneys and Realtors on the topic of The Use of Home Equity During Retirement. Over the last decade, he has appeared on hundreds of national, local and regional television, and radio broadcasts and his articles on the topic of Reverse Mortgages have appeared in the a variety of industry leading publications and blogs.

    You can also listen to Episode 120 to hear Michael's first interview on the Reverse Mortgage Industry, or our previous episode with him - #384, The Secret to Moving Forward in Reverse!  

    https://yesnerlawpodcast.libsyn.com/episode-120-safely-using-a-reverse-mortgage-with-michael-banner

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Financial TrendsEpisode 399:Financial Trends

    Looking back a few years, what trends did you see coming?  What trends did you miss?

    Looking forward a few years, what trends do you think are coming?

    In this week's episode, Shawn & George talk about financial trends that they see coming, including:

    • Investing
    • Marriage
    • College Planning
    • Side Hustles
    • Crypto
    • Digital or Virtual Money
    • Finance Apps
    • AI
    • Loyalty Programs
    • Judgments

    Do you think we're off on some of these? If so, and you enjoyed this episode, please share it with your friends!

    If you want to hear 5 Technology Tips to Save you $500 per month, there's still time to register for the 2023 More Entrepreneur Summit on December 8, 2023.  Tickets are going fast, and you can buy yours at https://bit.ly/SYSummit23

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Money Topics Over Turkey and StuffingEpisode 398:Money Topics Over Turkey and Stuffing

    What do you talk about on Thanksgiving? 

    Typically, we try to avoid topics like politics and money at the Thanksgiving table, but it possible to talk about your investments while passing the gravy?

    In this week's episode, Shawn & George discuss some conversations starters that may appear taboo for the Thanksgiving table, but could result is some positive interactions with family, such as:

    • Gratitude
    • Donations or Charitable Work
    • Accomplishments during the year

    Let us know what do you discuss at the Thanksgiving Table?  At the dinner table?

    And, if you enjoyed this episode, please share it with your friends!

    If you want to hear 5 Technology Tips to Save you $500 per month, there's still time to register for the 2023 More Entrepreneur Summit on December 8, 2023.  Tickets are going fast, and you can buy yours at https://bit.ly/SYSummit23

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Financial TherapyEpisode 397:Financial Therapy

    How do you manage your feeling about money?

    How do you manage your habits around spending, saving, or investing money?

    How do you speak with your family and other relationships about money?

    This week, George and Shawn talk to Maggie Baker, PhD, a practicing psychotherapy for 30 years, who is passionate about helping folks put their minds at ease during stressful financial situations. Dr. Baker knows exactly what it is like from first hand experience, being crippled in the 2000 stock market crash. As a result, she transformed her practice into helping folks in similar situations understand and change their feelings and behavior about money, so that they can get back to living a fulfilled life and enjoy the money they have.

    Dr. Maggie's book, Crazy About Money Crazy helps readers identify the unconscious emotions and beliefs that usually come from childhood and drive money decisions as adults. It also shows readers how to change misguided attitudes that lead so many into money trouble.

    You can contact Dr. Maggie at Maggie@MaggieBakerPhd.com or visit her website at www.MaggieBakerphd.com. 

    Remember, you can still get tickets for the December 8, 2023, More Entreprenur Summit, by going to https://bit.ly/SYSummit23

    Let me know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Technology Tips to Save You MoneyEpisode 396:Technology Tips to Save You Money

    What apps or websites do you use to save money?

    On December 8, 2023, Shawn will be speaking at the More Entrepreneur Summit 2023.  You can get your tickets here: https://bit.ly/SYSummit23

    While these podcast episodes last as long as George and Shawn have content, Shawn's presentation at the summit is only five minutes, so Shawn wanted some help narrowing down all of the great technology tips to prepare his presentation.

    Some of the ideas Shawn & George discuss:

    • Coupon Apps
    • Coupon Websites
    • Subscription Elimination Apps and Websites
    • File Sharing websites
    • Book-Reading and Library Apps
    • Financing and Budgeting Apps
    • WiFi and Smart Home Apps
    • Time Saving Apps
    • And more ...

    Which strategies should make the cut for the presentation?  Are there any that you use?  Are there any that we missed?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • From Piggy Banks to StocksEpisode 395:From Piggy Banks to Stocks

    How do you talk to your kids about money?  About saving, spending and investing?

    Do you pay your kids an allowance?

    On this week's episode of the podcast, George and Shawn talk to Maya Corbic, a mother and seasoned CPA, with a background as a CFO, tax accountant and auditor.

    Maya is also a newly published author with her book "From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor" which she authored in an effort to empower young minds with financial wisdom and excitement for investing. The book is scheduled to launch in November, and you can order or pre-order directly from Amazon.

    From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor: Corbic, Maya: 9781738963201: Amazon.com: Books

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Most Ridiculous Pandemic PurchasesEpisode 394:Most Ridiculous Pandemic Purchases

    What strange purchases have you made online?

    What ridiculous things are available on Amazon?

    What absurd purchases did people make during (and post) the pandemic?

    This week, George and Shawn talk about some ridiculous purchases available online. You can read the articles that formed the basis of this week's eposide at:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

     

  • Garage Sales TrainingEpisode 393:Garage Sales Training

    Welcome to our bi-annual Garage Sale lesson episode of the Crushing Debt Podcast! In this week's episode, we put it all together into one over-arching sales presentation.

    Each year, in October and May, Shawn's neighborhood hosts a community-wide garage sale. Shawn has tested and practiced different sales techniques at these bi-annual events in a low-risk, low-pressure environment!

    You can listen to our previous garage sale episodes:

    • 68 - negotiations
    • 86 - preparation
    • 118 - patience
    • 168 - preparation
    • 241 - approach
    • 270 - target market
    • 373 - delegate

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Holiday Gift IdeasEpisode 392:Holiday Gift Ideas

    Is it too early to start thinking about the holidays?

    Is it too early to start buying presents for the holidays?

    Nope! and Nope!

    This week Shawn & George talk about a few articles we found on the internet around ways to save on Holiday spending, whether gifts, travel or other holiday-related expenses.

    You can read these articles at: 

    A great holiday gift would be one to your favorite podcast (Crushing Debt obviously) by becoming a patron and unlocking lots of additional content at our Patreon page: https://www.patreon.com/crushingDebt 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

     

  • The Why of WealthEpisode 391:The Why of Wealth

    Do you have a voice at the table - the financial table?

    Do you have your financial house in order?

    Did you know that men and women view and treat money very differently?

    Have you been on a Money Date or planned a Money Party?

    Are you prepared for the unthinkable? For the windfall?

    This week Shawn (solo, George is back next week) has Cassandra Smalley, a Certified Financial Planner, holder of the Chartered Financial Analyst designation, owner of Cassandra Smalley Wealth Managment, and author of the book "The Why of Wealth."  

    Cassandra and Shawn talk about why women need a seat at the financial table, planning a money party, college planning, how to handle a financial windfall, and what happens when the unthinkable happens.

    You can connect with Cassandra at her website, www.CassandraSmalley.com. Cassandra has a ton of information and free resources at her website.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Taming The High Cost of CollegeEpisode 390:Taming The High Cost of College

    What is the best way to pay for college?

    How do college visits factor into the cost of college?

    What is the total price of college? Is it the same as listed on the schools' websites? What price should parents or students expect to pay for college?

    What is the real price difference between private and public universities?

    What is late-stage college planning?

    On this week's episode of The Crushing Debt Podcast, Shawn & George talk to Brad Baldridge, one of the nation's leading financial experts on the best ways to plan, save and pay for college without wiping out their finances.

    You can find Brad on his website - www.TamingTheHighCostOfCollege.com, or listen to his podcast, also called Taming The High Cost of College.  You can also find him on social media @TamingTheHighCostOfCollege.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • www.MagicMind.com/CrushDebt. Use Code CRUSHDEBT for a discount on their focus drinks and get more focused to help eliminate your debt!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • When Is The Right Time To Start A BusinessEpisode 389:When Is The Right Time To Start A Business

    When is the right time to start a new business? What should the economy look like? 

    Why do startups fail?

    What pitfalls should a new owner understand and avoid?

    In this week's episode, George and Shawn talk about these issues, with a focus on income, debt, financial statements, and other issues that may affect the new, small business owner.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Magic Mind, the energy boosting, focus enhancing, productivity shot that needs to become a part of your morning ritual. Order yours at www.magicmind.com/crushdebt, and enter the code crushdebt for a discount!
    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Money Lessons from TikTokEpisode 388:Money Lessons from TikTok

    When is something free?

    When can you spend money and make money?

    What is "Girl Math"?

    In this week's episode, George and Shawn delve into the strange Social Media trend of "Girl Math."  Yes, that's a real thing - there is a growing trend of social media influencers with millions of views and followers promoting rules that they believe help save people money. Under "Girl Math" in certain scenarios, spending money doesn't count. Some of the rules are:

    • Anything under $5 is free.
    • Anything bought with a gift card is free.
    • Buying something and returning is means you've made money.
    • An event or concert paid for long in the past is free.
    • Money in an app (Venmo, PayPal, Starbucks, etc) is free.
    • If you go shopping and don't buy anything, you've doubled your money.

    Here's the interesting part - some of these Rules actually have some logic behind them although, overall, the concept appears to be simply a way to illogically justify your purchases or spending habits.

    What do you think? Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our NEW sponsor, Magic Mind, an energy shot scientifically designed to boost energy, enhance focus, create a sense of calm alertness, and increase overall productivity. We've both used Magic Mind and it helps maintain focus all day without a sugar high or sugar crash. You can try some with a discount on us at www.magicmind.com/crushdebt. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

    #GirlMath #CrushingDebt #MoreMoney

  • Absurd Purchases That People Actually MakeEpisode 387:Absurd Purchases That People Actually Make

    What are some ridiculous, absurd, wasteful, dumb things you've spent money on?

    Certainly Shawn & George have purchased things that maybe were not the smartest buys, it happens. However, in this week's episode, Shawn & George talk about a few articles we found on the internet, having a little fun (and some serious talk) about items that are maybe not the most ideal buys, although some may be ...

    What are some of the strange purchases? Have you ever bought any of these things (be honest):

    • Gold infused food
    • Designer Air
    • Bottled Water or Diamond Encrusted Collars for Pets
    • Paying Someone To Wait in Line For You
    • Beanie Babies
    • Pokemon or other Collectibles

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Why to Declare BankruptcyEpisode 386:Why to Declare Bankruptcy

    When is bankruptcy an option? 

    What if someone makes good money, but they just can't make ends meet?

    What options are available other than bankruptcy?

    This week George had a conversation with someone (not in Florida) who was asking questions about bankruptcy - how does it work, when should someone file, what chapter, etc. This week George asks Shawn these questions and we discuss:

    • the emotions behind bankruptcy,
    • budgeting,
    • what happens to someone who works overtime,
    • does the court allow entertainment expenses (or money to have fun), and
    • other options available.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • 7 Lists from The Money ExpertsEpisode 385:7 Lists from The Money Experts

    Why Will Most People Never Be Rich?

    What Will Rich People Never Tell You?

    Why are the Rich, Rich?

    What are 8 Secrets From Very Rich People?

    What are Steve Jobs's 10 Rules for Success?

    What Books Will Teach You To Be Rich?

    What are the 5 Rules to Business?

    Today, Shawn and George dive into the world of Memes and Infographics!  We found these seven memes while researching other topics for the show. Today, we dive into all of these - what do we agree with? Disagree with?  Laugh at? Debunk?

    To keep the show around our normal length, we only get into six of these lists. To hear us talk about the seventh, you'll have to visit our Patreon Page: https://www.patreon.com/crushingDebt 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

     

  • The Secret to Moving Forward In ReverseEpisode 384:The Secret to Moving Forward In Reverse

    Is there any benefit to a reverse mortgage, or are they a scam?

    Is it a problem that a reverse mortgage has to be repaid when the borrower no longer lives in the home?  Doesn't that eliminate the inheritance that would otherwise go to the kids?

    Will a reverse mortgage create a deficit to the borrower if it is not repaid?

    What can you do with a reverse mortgage?  What can you use it for?

    What is the difference between a reverse mortgage and a HECM?

    In this week's episode Shawn and George talk to returning guest Michael Banner of www.LetsMoveForwardInReverse.com. 

    Michael became a licensed mortgage professional in 1982. Approximately 15 years ago his passion took a new direction, as his career became focused on assisting the senior segment of our industry as they approached, or were already in, the retirement portion of their lives. The gift of the "longer life spans" can sometimes be a "double edged sword" and Michael devoted his career to helping seniors with reverse mortgages. Michael is a nationally known speaker and published author, and has performed education classes for more than 20,000 financial planners, independent financial advisors, long term care insurance agents, attorneys and Realtors on the topic of The Use of Home Equity During Retirement. Over the last decade, he has appeared on hundreds of national, local and regional television, and radio broadcasts and his articles on the topic of Reverse Mortgages have appeared in the a variety of industry leading publications and blogs.

    You can also listen to Episode 120 to hear Michael's first interview on the Reverse Mortgage Industry!  

    https://yesnerlawpodcast.libsyn.com/episode-120-safely-using-a-reverse-mortgage-with-michael-banner

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Back to School ShoppingEpisode 383:Back to School Shopping

    This episode will be published on the first day of school for most schools in the Tampa Bay area.  Are your kids back to school yet?  Did you survive the summer?

    What about "Back To School Shopping?"  How did you navigate with your budget and manage back to school shopping for your kids?

    In this week's episode, George and Shawn talk about back to school shopping, sales tax holidays, school uniforms, and other lessons learned in saving money during back to school time.

    We also wrap up the July No Spend Challenge.  How did you do?  Were you able to save money? If so, what are you using that money for?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Crush IRS DebtEpisode 382:Crush IRS Debt

    What is your biggest fear? Heights? Bugs? Public Speaking? IRS Audit?

    How (or what) is the biggest and baddest collection agency in the country (at least by perception)?

    What if you owe money to the that collection agency (i.e. the IRS)?

    On this week's episode, Shawn & George talk to Claudia Moncarz, owner of Moncarz Law, helping people to negotiate and settle debts with the IRS and avoid or resolve audit issues.

    George, Shawn & Claudia talk about

    • How to avoid being audited by the IRS
    • What to do if you owe the IRS money
    • How to keep track of your IRS Account and the IRS's next move
    • How the IRS views and treats cryptocurrency

    Claudia also created My Tax Alarm (www.mytaxalarm) which is a similar service to a credit reporting service, but monitors your IRS Account!

    You can contact Claudia at:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Need versus WantEpisode 381:Need versus Want

    As the July No Spend Challenge comes to a close, how did you do?  How many points did you accumulate?  How much money did you save?  Were there any other goals you accomplished?

    Thank you to Tiffanie Kellog, who asked on the Facebook page: "I was pondering a question for the podcast based on the no-spend challenge... what about a discussion on how to classify a NEED versus a WANT when it comes to spending $$$?"

    Today's episode is a discussion of, when it comes to finances and spending habits, what is a need versus a want?  How do you identify a need v. want and how do you differentiate the two?  Thanks Tiffanie for a great question!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Hiding Your Credit Card Debt - Episode 380Episode 380:Hiding Your Credit Card Debt - Episode 380

    How much credit card debt do you have?  At what interest rate?

    What happens if you can't communicate with your significant other?

    How do you protect money you inherit from a partner who spends?

    This week Shawn & George tackle these topics on the show, giving their takes on questions and headlines such as:

    What do you think? Do you talk to others about your money or your debt?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com  or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com. 

  • Canceling Student Loan DebtEpisode 379:Canceling Student Loan Debt

    There's been a bit of news lately on President Biden's plan to cancel student loan debt, especially after the United States Supreme Court ruled that the President has no authority to cancel the debt without Congressional action.

    What are your thoughts?  Are you in favor of cancelling debt?  Against it?

    Recently, the New York Times came under fire for suggesting that "death" is a way to cancel student debt. Unfortunately, they are correct.  Note that neither the article, nor Shawn & George are suggesting that people hurt themselves in any way to avoid paying back student loan. From a legal and contractual perspective, if a student loan borrower (any borrower really) passes and there is no co-signor on the debt, then the debt is eliminated - subject to the borrower's estate having no money.

    What are some of the other ways the New York Times suggests cancelling student loan debt:

    1. Income Driven Repayment Plans (IDR)
    2. Public Service Loan Forgiveness (PSLF)
    3. Bankruptcy (which is a better option after input from the US Dept of Education)
    4. Consolidate the loans
    5. Forbearance plans

    Interstingly, the LA Times followed up that article by suggesting that student loan borrowers could move back in with mom & dad, or skip meals to save money ...

    One other way to tackle student loan debt is to save money for college, and also explore scholarships. You can listen to an old Crushing Debt Podcast episode about that if you follow this link: https://yesnerlawpodcast.libsyn.com/episode-77-the-scholarship-system

    The two articles Shawn & George discuss can be found with the following links:

    Remember, we're now two full weeks into the Crushing Debt No Spend Challenge.  How are you doing?  How many points have you earned?  What have you learned about yourself, and about your spending habits?

    You can find a link to the challenge here: Crushing Debt Spending Challenge | Facebook

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com  or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com. 

  • Heroes Home AdvantageEpisode 378:Heroes Home Advantage

    The Fourth of July was a few days ago! How did you celebrate?

    How did you say "thank you" to those that protect us and our freedoms?

    This week's guest on the Crushing Debt Podcast is C. David Cain, CEO and Chief Hero Evangelist of Heroes Home Advantage. He has 24 years' experience as a top-producing Loan Officer, and is on a mission to create brand awareness for the largest hero rebate program in the country when buying or selling real estate!

    George, Shawn & David talk about:

    • How the program works and why buyers and partners both benefit.
    • Why HHA is different from other similar programs.
    • Who is eligible for the program.
    • Why the program was founded and exists today.

    You can reach David at David@HeroesHomeAdvantage.com or connect with them at www.HeroesHomeAdvantage.com. You can also connect with David on LinkedIn, Facebook, and Instagram.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    Remember, our No Spend Challenge for July is officially underway! Join the group here.

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • No Spend ChallengeEpisode 377:No Spend Challenge

    What is the difference between a "want" and a "need"?

    Can you go one day without spending money? How about one week? One Month? One Year?

    Shawn & George talk every week about tips and tricks and strategies to help you save money, reduce debt, and become debt free. Now, they're "putting their money where their mouth is" and taking action to help you do just that.

    In this episode, Shawn & George talk about their No Spend Challenge for July !!

    A No Spend Challenge is a freeze on spending money on things that are unnecessary or no spending on things that are wants versus necessities. It can last for any length of time, so we have chosen the entire month of July - starting on July 6 (to get beyond the 4th of July Holiday). The goal of a No Spend Challenge can be whatever you want - saving money, resetting habits, paying off debt, saving money to invest, etc.

    Some of the expenses you are allowed:

    • Mortgage / Rent
    • Utilities
    • Insurance
    • Bills
    • Grocercies
    • Gas

    Some of the expenses you are not allowed: 

    • Eating Out
    • Anything Discretionary
    • Anything to Drink other than Water

    To help track our progress, we've created a Facebook Group called "Crushing Debt Spending Challenge." To participate, you must join that group, which you can do here: Crushing Debt Spending Challenge | Facebook

    Every dollar you save becomes one point. At the end of the challenge, we'll add up all the points, and Shawn & George have each put up a $25 gift card to the winner - plus you will have hopefully accomplished whatever goal you set for yourself.

    One more important rule for this challenge - every dollar you save must be set aside, either in a separate bank account, or in a physical envelope.  For example, if you go to the grocery store and forgo buying a bag of chips for $5, you MUST set aside $5 in a separate bank account or in an envelope.  At the end of July, we'll count all the money saved, and the winner(s) will have saved up the most money.  Could someone go out and say "I'm not going to spend $30,000 to buy that new care in July."? Yes, but then to qualify for the game you would have to set aside $30,000 in a separate savings account !!

    There are other ways to get points too:

    • Leave us a Podcast Review = 2 points
    • Submit a question for an upcoming episode = 2 points
    • Become a Patron of the show at www.patreon.com/crushingdebt = 1 point per dollar spent

    Join the Facebook Group, save money, have fun and talk some trash !!  If you know someone who would benefit from a No Spend Challenge, please share this episode and ask them to join the Facebook Group!

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Crushing the Credit Card Debt CycleEpisode 376:Crushing the Credit Card Debt Cycle

    What age groups tend to owe the most debt?  Boomers? Millenials? Gen X?

    Would it surprise you to know that credit card debt, on average, has returned to or exceeds pre-pandemic levels?  

    Why has it increased, and what can you do about it? How do you break the credit card cycle?

    In this week's episode, Shawn and George talk about the reason that credit card debt has increased and some tactics for reducing or crushing your credit card debt if it has risen to a level that you are struggling (or even if you just want to pay it off).

    The two articles we discuss on today's show:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor Mark Purvis who helps families looking for a fun and rewarding project  by capturing the wisdom and stories of past generations that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Why Did I Receive This Letter from Freddie MacEpisode 375:Why Did I Receive This Letter from Freddie Mac

    What is the Freddie Mac Exclusionary List, and why should you care?

    We done many previous episodes on the Freddie Mac Exclusionary List:

    Someone who finds themselves on the Freddie Mac Exclusionary List is prohibited from participating in a transaction where Freddie Mac is a party - this excludes buyers, sellers, Realtors, Lenders, Title Agents, Attorneys, Inspectors, Appraisers, and others.

    In today's episode, Shawn & George talk about how Shawn almost literally stumbled across the Exclusionary List, and how help people come off the List turned into a part of the Yesner Law practice. Plus we give tips on how to stay off the List and ask to come off the List if you find yourself on the List.

    If you find yourself on the List, please contact us for some tips on how you might be able to come off the Freddie Mac Exclusionary List.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • 14 Steps to Financial FreedomEpisode 374:14 Steps to Financial Freedom

    What are the 14 steps to financial freedom?

    What is your financial personality? Your financial health? The TTCI Method?

    Today's guest on the Crushing Debt Podcast is a CPA, speaker, course creator, and passionate about helping people become financially free.  Bruce Scott is the territory leader of (senior partner) at PricewaterhouseCoopers Jamaica. He has an MBA, FCA, FCCA, CPA (Colorado), chartered  accountant (Jamaica), and chartered certified accountant (UK). Bruce is passionate about financial intelligence leading to financial independence, and he offers financial training in several countries on strategies and behavioral changes required to pursue a path of financial freedom.

    Bruce, Shawn & George talk about:

    • Being Obsessed with Financial Goals
    • Your Financial GPS (Grow, Protect & Sow)
    • TTCI (Track, Trim, Chop & Income)
    • Rainy-Day Fund
    • Reducing Debt
    • Rules of Investing

    You can connect with Bruce at www.14stepstofinancialfreedom.com, as well as pick up a copy of his book there. You can connect with Bruce on Facebook and LinkedIn as well.

    Some memorable quotes from today's episode:

    • "Excuses are just diagnosed lies."
    • "When your Why makes you Cry."

    Let us know if you enjoy this episode and, if so, please get a copy of Bruce's book and share this episode with your friends!

    Please also visit our sponsor Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • How To Delegate at a Garage SaleEpisode 373:How To Delegate at a Garage Sale

    It's that time of year again!  Shawn's neighborhood holds garage sales twice per year, in May and October.  At each garage sale, Shawn practices some sales technique - what better low pressure enviornment to practice sales and negotiation skills?

    What sales technique did we practice at this year's May garage sale? Delegation!

    How? Shawn delegated the negotiations to his sons and allowed them to keep a percentage of what they collected from selling.  How did it work out?  Listen to this week's episode!

    If you want to listen to previous episodes, you can listen to:

    Let us know what sales techniques you practice at garage sales!  Also, if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors, Mark Purvis who helps families who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Finance and FitnessEpisode 372:Finance and Fitness

    How does your fitness impact your finances?

    What is the connection between the two?

    I'm reminded of the meme: "I'm into Fitness. Fitness this pizza into my mouth!"

    People who are more healthy, typically have larger incomes and savings. Conversely financial stress can negatively impact your health. People who are more fit are more likely to get hired, have lower health care costs, more energy at work, and more mental clarity in general.

    This week's guest on the podcast is a long-time friend and referral partner of both Shawn & George, Moh Koutouby. Moh is a personal trainer with over 20 years experience in fitness and health. Moh started his journey by overcoming being an overweight kid. He loves to help motivated clients to maximize their training and ancestral nutrition so they can be the best in their business and family life.

    You can visit Moh's website at www.generationfitfl.com, or contact him directly at Generationfit1@gmail.com. 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsor, Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com  or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com  or visit www.YesnerLaw.com. 

  • How To Win In Crushing DebtEpisode 371:How To Win In Crushing Debt

    How do you overcome a negative mindset?

    What does it mean to win? To win in life? To win in relationships? To win in finances? To win in other areas of your life?

    Our guest on this week's show is Brad DeMint. Brad is an account executive with Greenleaf Title, LLC (www.greenleaftitle.com) and host of the podcast How to Win with Brad Demint (www.BradDeMint.com), a podcast about life, sales, and inspiration. Listen to Brad DeMint break down important winning strategies in every area of your life. Brad teaches and coaches success!

    In this week's episode, George and Shawn talk to Brad about:

    • How to Win
    • Persistence
    • Freedom
    • Never Quitting
    • How to Keep Moving Forward
    • How to Overcome a Negative Mindset
    • Your Power Army
    • Eliminating Limiting Beliefs

    You can connect with Brad (and check out his Reels and other Social Media content) at:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Money HacksEpisode 370:Money Hacks

    What are the money hacks that you use every day?

    What are some that you would never do?

    Today George and Shawn talk about money hacks - simple things you can do to save a few dollars here or there that, when added up, amount to significant savings!

    For example:

    • Unplugging Vampire Devices
    • Making Coffee at Home
    • Bulk Buying
    • AC Maintenance
    • Toilet Water Hacks
    • Zip Up Your Pants Before Washing
    • Extended Warranties
    • And Others...

    If you want to participate with George and Shawn in a "No Spend Day" please let us know by email or commenting on this post!

    If you want more money hacks, pick up your free online copy of Become Debt Free at this link: www.ShawnMYesner.com/BecomeDebtFree. Also, let us know your favorite hacks and if you know someone who could use a few of these, please share the episode!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Out Of Office NotificationEpisode 369:Out Of Office Notification

    Are you able to leave the office for a week on vacation and leave your work behind?

    What do you need to do prior to leaving, to make sure that your vacation is a vacation, and not just working remote from some other place? 

    This past week, Shawn & his family took a trip to Arizona. They were gone for a week, but Shawn left behind his iPad and laptop (he did bring  his phone, but he needed a phone, GPS, camera, etc.).  In this week's episode Shawn & George discuss what Shawn did prior to leaving, so that Shawn could "unplug" for a week!

    You may also want to listen to Episode 307, Twenty-One Ways to Crush Your Vacation Debt (which Shawn also did prior to leaving), but this episode is more about unplugging than it is reducing debt: https://yesnerlawpodcast.libsyn.com/21-ways-to-crush-your-vacation-debt-episode-307 

    Some things to think about that we discuss in this week's episode:

    • How long will you be gone?
    • What bills need to be paid in advance?
    • If you're the one with authority over the bank account, how do you handle unforseen expenses that might pop up?
    • Should you bring anything for work purposes (my vote is no)?
    • Setting auto-responders for emails and phones.
    • How the office can reach you in the event of a real emergency?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Money SchemesEpisode 367:Money Schemes

    What can you do to make more money quick?

    Does quick money mean dishonest money?

    Last week George and Shawn talked about Money Scams. This week, it's get rich quick schemes, but which ones are legitimate and which ones can get you into deeper debt?

    • Ponzi or Pyramid Schemes
    • Online Courses
    • Coaching (sorry George)
    • Multi-Level Marketing (MLMs)

    What other "schemes" have you tried? Which have worked and which were ... ummm ... less than successful?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Money Scams! - Episode 366Episode 366:Money Scams! - Episode 366

    Do you have a rich relative who died left you with a bunch of money?

    Are you being romanced by someone who will come see you, but only if you buy them a plane ticket?

    Do you get random requests to buy gift cards for someone in trouble?

    Beware of money scams!  The fraudsters are out there and getting smarter.  Some popular scams are:

    • Deed Copies
    • Romance Scams
    • Phishing Scams
    • Probate Scams
    • Timeshare Scams
    • Ransom Scams
    • Bogus Debt
    • Bot Accounts
    • Gambling / Online Games
    • Wire Fraud, and
    • Unclaimed Funds

    In this week's episode, Shawn and George talk about different scams, how to identify them, and how to avoid them.  Unless you do have a rich relative who died and you want to use that money to fund the Podcast !!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Constructing Success - Classic EpisodeEpisode 365:Constructing Success - Classic Episode

    Are you looking to make your business grow?

    Do you want referrals to help you grow your business?

    Do you understand each prospect’s behavioral style?

    Would you like to be able to define a unique selling position that separates you from your competitors?

    This week is a rebroadcast going all the way back to (when we were the Yesner Law Podcast) Episode 7 - Constructing Success with Jason Avery!

    Constructing Success is a consulting firm that supports entrepreneurs through the challenges of growing their small businesses. Jason helps discuss the challenges that clients may have, including  how to avoid the "Client Rollercoaster."

    Jason openly shares his proven methodology that has grown his company to 50 full-time employees and $5.4 million per year in business. Constructing Success, a #1 Amazon Best Seller, also reveals the secrets on crucial topics such as what to do with bad business situations, how to make tough decisions confidently, defining your brand, legacy building, and how to actually make your competitors indebted to you.  

    You can contact Jason at jason@construct-success.com and pick up a copy of his book on Amazon here: Constructing Success: Blueprints for a Referral Based Business: Avery, Jason M: 9781515385561: Amazon.com: Books

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Lifestyle CreepEpisode 364:Lifestyle Creep

    What is lifestyle creep?

    Do you feel the need to keep up with the Joneses? Do your expenses increase as your income increases?

    Years ago, Shawn's father taught him that your expenses do not have to grow proportionately to your income.  In other words, just because you make more money doesn't mean you have to spend less money.

    Unfortunately, it seems like some people spend more as they make more.  Their lifestyle creeps to the more expensive as they get more income.

    More disturbing, some people are using their credit cards as de facto savings accounts.  See the article here: Millennials may be using credit cards as a 'de facto emergency fund' (cnbc.com)

    In today's episode, George and Shawn talk about lifestyle creep, plus the negatives (and positives) of using credit cards in lieu of savings accounts. For example, it might be necessary for a high-ticket emergency.

    What do you think? Let us know if you've experienced lifestyle creep or what you did to avoid it.

    Also, f you enjoyed this episode, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Organize Your MoneyEpisode 363:Organize Your Money

    How does ADHD effect money? Budgeting?

    What are some tips or tricks to work with money while dealing with ADHD?

    In this week's episode, Shawn & George interview Tamika Howell.  Tamika is a Financial Educator who teaches busy and easily distracted Black women how to align their money with their values through one to one coaching and educational content on various social media platforms. Her primary focus is budgeting, saving, and debt management for those overwhelmed by their finances and unsure where to start. Tamika knows the feeling firsthand. As a Black woman living with ADHD, she created Organize Your Money as a safe space to ask questions and not feel alone on your financial organization journey. Tamika is a Certified Financial Education Instructor (CFEI) and a candidate for Accredited Financial Counselor (AFC). She also holds a bachelor’s degree Finance and spent her early career working as a corporate Tax Analyst.

    Some of Tamika's suggestions:

    • Automation of payments;
    • Separate accounts; and
    • Use cash

    You can reach Tamika at Tamika@OrganizeYourMoney.net, or visit her on the web at www.OrganizeYourMoney.net for your free 8 Tips to Organize Your Money.

    You can also find Tamika on Social Media:

    • LinkedIn - Tamika-Howell
    • Instagram - @OrganizeYourMoney
    • TikTok - @OrganizeYourMoney
    • Facebook - @OrganizeYourMoney
    • Twitter - @OrganizeYourMoney

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Lease or Buy a Car?Episode 362:Lease or Buy a Car?

    Should you lease or buy?

    In this week's episode, Shawn and George discuss that age-old question, is it better to lease or buy a car?  George bought his cars. Shawn bought one (his wife's) and leases another (his). But which one is the better choice for you?

    Some of the Pros of leasing a car: lower monthly payments, drive a better car for less money, get a new car every three years or so, lower maintenance costs because the car is newer or under warranty, and loyalty programs when you get a new car from the same dealership / finance company.

    Some of the Cons of leasing a car: limited in mileage you can drive, no equity is built in a car, wear and tear charges or damages to be paid at the end of the lease term, and it may be difficult to return the car if your needs change during the term of the lease.

    Advantages to buying a car: it's your car (you can customize or alter it however you want), no mileage limits, eventually the car is paid off and you no longer have to make payments, and you build equity in the car to use towards a down-payment on the next car.

    Disadvantages of buying a car: higher monthly payments than leasing, the car depreciates in value quickly, downpayments (or trade-in) to buy a new or used car, you have to budget for annual repair or maintenance costs as the car ages, and higher insurance costs as the car ages.

    Please let us know what do you think?  Should you lease or buy?

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

     

  • Hustle & Grind is the New StupidEpisode 361:Hustle & Grind is the New Stupid

    Do you have a commercial profitable enterprise that works without you?

    Are you getting paid while you sleep?

    Or do you have a job?

    Shawn & George attended The Largest Networking Event in Tampa Bay last week and in this episode discuss lessons they learned from ActionCOACH Founder Brad Sugars, like:

    • Hustle & Grind is the New Stupid
    • If you're not getting paid while you sleep, you don't have a business
    • How to set daily goals for your company
    • Telephone Scripts to maximize revenue per client
    • Raising prices
    • Why discounting kills businesses
    • Get Off the Tools
    • Fire Yourself as CEO if you are the talent behind the business.

    Plus, we captured some short interviews with:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Your Kids, Their MoneyEpisode 359:Your Kids, Their Money

    How do you talk to your kids about money?

    What books about money have influenced you that you want to share with your kids?

    This week's guest, Clifton D. Corbin, MBA, PMP, was a business consultant with over two dozen decades of experience when he left the office to become a full time stay-at-home dad. During this time, he authored his first book, Your Kids, Their Money: A Parent's Guide to Raising Financially Literate Children, which focuses on providing parents with the skills and tools to teach financial literacy to ther children.

    While reading The Richest Man in Babylon with his son (a timeless money classic) he found that the book failed to translate to his son.  Clifton and his son co-edited a rewrite of the book titled The Richest Person in Babylon.

    Shawn and George talk to Clifton about these issues, as well as ADHD and Money, paying allowances, and other questions around how to talk to your kids about money.

    You can find the books mentioned in today's episode at:

    You can reach Clifton at:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Financial Trainwrecks!Episode 358:Financial Trainwrecks!

    Trainwrecks, car accidents, calamities, and disasters are all things you want to avoid, but all things that you cannot look away from when they happen.

    But what happens when the trainwreck is financial, and how do you avoid them?

    In today's episode, Shawn & George talk about some of the financial trainwrecks they've seen or experienced over the years, along with some tips to avoid them, including:

    • Gambling
    • Ponzi Schemes
    • Wire Transfer Fraud
    • Crypto Currency
    • Guarantees
    • Payday Loans
    • Short Term Business Funding Loans / Receivable Loans
    • And Others 

    What Financial Trainwrecks have you seen over the years? Please share them us via email or social media. Please also share today's episode with your friends if you enjoyed it!

    We would also appreciate if you would visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Although we have two great sponsors, their support does not fully fund the show - Shawn & George make up that difference. But you can help if you'd like by visiting our Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach. 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

     

  • Make More Money ... NetworkingEpisode 357:Make More Money ... Networking

    What are your best ideas for networking an event?

    Do you go to events looking to buy or sell?

    Do you give your card to everyone there - throwing them out like they were ninja throwing stars?

    Do you have a goal, or do you go to networking events just to socialize?

    The Largest Networking Event in Tampa Bay is Friday, February 17, 2023 and Yesner Law is a sponsor. ActionCOACH Tampa Bay is the host company for the event and our friends there provided us with 10 tips (and 2 bonus tips) to network an event.

    ActionCOACH is the expert in this area, but Shawn and George took their ten tips and talked about what we liked about them, or in some cases where we disagreed or would edit their tips to fit our networking personalities.

    If you want a reduced-price ticket to the event for $47, and if you want to network with Shawn and George at the event, use this link: https://largestnetworkingevent.eventbrite.com/?aff=YesnerLaw

    What are the two bonus tips? You have to become a patron to listen to the "after-pod" show. You can check out our Patreon page at https://www.patreon.com/crushingDebt 

    We have other shows around networking at an event too:

    If you agreed or disagreed with our take on these networking tips, please let us know. If you enjoyed this episode, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Money Myth BustersEpisode 356:Money Myth Busters

    Are credit cards evil? Is it normal to have a lot of debt?

    Do you need to spend money to make money? Does your salary dictate your wealth?

    Do you need to budget? Is budgeting painful?

    In this week's episode, Shawn & George tackle some popular money myths and explain why they are untrue, or why Shawn & George don't buy into them (bad pun intended).

    You can listen to our previous episode about money myths, our interview with Rachel Nohlgren of Mustard Seed Advisors of Raymond James, here: https://yesnerlawpodcast.libsyn.com/money-myths-episode-326 

    Some of the other myths that Shawn & George discuss:

    • Money Doesn't Grow on Trees;
    • All My Problems Will Be Solved With Money;
    • Rich People Live in Big Houses, Drive Fancy Cars, and Wear Expensive Clothes;
    • If It's On Sale, Buy It;
    • You Need A Lot of Money To Invest;
    • You Don't Make Enough to Save;
    • Money Doesn't Buy Happiness;
    • Buying is Better Than Renting.

    What are some of your money myths that we can bust? Please let us know in comments, on social media, or on our Patreon page - https://www.patreon.com/crushingDebt. And if you enjoy this episode please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Do you have your ticket yet to The Largest Networking Event in Tampa Bay? Through Shawn's sponsorship of the event, there are limited tickets available for just $47! Come network on February 17, 2023 with the top movers and shakers in Tampa Bay. Use this code to buy your ticket: https://largestnetworkingevent.eventbrite.com/?aff=YesnerLaw

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

     

  • Things That Make You Say HmmmEpisode 355:Things That Make You Say Hmmm

    What is the most expensive thing you've ever bought that wasn't a house or a car?

    Have you ever eaten food from the floor?

    Have you ever stolen money from your parents?

    When was the worst time that you threw up?

    What was your worst workplace experience?

    Would you stop talking to all of your friends for a million dollars?

    How are all of these questions related?

    In this week's episode, Shawn & George answer these questions and the money lessons that these stories taught them. We hope you take a few nuggets of information from some funny and some serious stories that they share in this week's episode!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Millionaire MindsetEpisode 354:Millionaire Mindset

    What do millionaires do differently than the rest of us?

    How can you incorporate secrets of millionaires to become one yourself?

    In this week's episode, George and Shawn talk about the mindset of millionaires, how that mindset differs, and what you can do to incorporate that mindset into your life.  Links to the books mentioned in today's episode:

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • SMARTY Pants Goals 2023Episode 353:SMARTY Pants Goals 2023

    Welcome to the last Crushing Debt Podcast episode ... of 2022 !!

    Do you set goals every year?

    Did you accomplish what you set out to do in 2022? What are your 2023 Goals?

    In this week's episode, Shawn and George talk about 2023 goals, how to set your goals and why they should be S.M.A.R.T.Y. pants goals. They also discuss some of their 2023 goals, specifically around the podcast, personally, for their families and for their businesses.

    It's also that time of year - Podfest 2023 is just around the corner. For more information, visit the Podfest website at www.Podfestexpo.com and if you're going to Podfest, let us know. You may be able to meet up with George in Orlando!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • More Money, More Time, More Fun SummitEpisode 352:More Money, More Time, More Fun Summit

    What would you do if you could make more money, have more time, and have more fun?

    What would your life look like?

    This past week, Shawn was a speaker at the More Money, Time & Fun online Summit, hosted by our friend and frequent guest, Tiffanie Kellog. In today's episode, Shawn and George talk about how to have more money by having less debt.

    This topic mirrors Shawn's second book, Become Debt Free in One Hour or Less.

    • Specifically, getting educated around: (1) how to make money and what to do with it, (2) how to budget, and (3) understanding your Credit Score.
    • Then increase your income.
    • Next, decrease expenses.
    • Finally, eliminate debt!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Dude, ItEpisode 351:Dude, It's My Birthday!

    Why do you do what you do?

    What do you do on your birthday?

    On this week's episode, George interviews Shawn for his 50th Birthday, which is today (if you're listening on the day the episode is released)!

    Why did Shawn become an attorney?  What stories does he share on his journey to helping people have more money at the end of the month, rather than month at the end of the money?

    Today's episode is a little outside the norm, as Shawn answers the questions rather than asking them.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Can I Retire Already!Episode 350:Can I Retire Already!

    Q: When do you want to retire?

    A: Yesterday!

    But how do you plan to retire early?

    What if your retirement is "forced" by being terminated, or having a medical condition that causes you to be unable to work?

    In this week's episode, Shawn & George talk about different strategies so you can retire early, whether by choice or by force, such as:

    • Getting a second job or side hustle;
    • Applying for assistance (such as Social Security, Disability or Unemployment);
    • Using your savings or investments;
    • Or using bankruptcy as an option of last resort.

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Crushing Adulting is EasyEpisode 349:Crushing Adulting is Easy

    How can you achieve financial independence through real estate?

    What mindset do you need to achieve financial independence?

    What does financial independence mean?

    What is better as an investment strategy, short term or long term rentals?

    On this week's episode, Shawn & George interview Lauren Keen Aumond, a Tampa Bay-based real estate investor. She and her husband have reached financial independence in their thirties through their nine short term rentals and three long term rentals on the west coast of Florida. Lauren shares her story and helps educate others through the Adulting is Easy pocast, social media and coaching.

    Both Shawn and George were glad to be guests on Lauren's show - Shawn on Episode 133 and George on Episode 145.

    Follow the podcast: Connect with Lauren: https://twitter.com/AdultingIsEasy Download rental resources: https://adultingiseasy.gumroad.com/ Schedule a coaching session: https://www.realadultingiseasy.com/book-online

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • Turkey Time! EpisodeEpisode 348:Turkey Time! Episode

    Each year, we release a show describing what we're thankful for - and there's no better time for that than Thanksgiving.

    In the early years of the show, we skipped a "Thanksgiving" episode because Shawn thought "who is going to listen on Thanksgiving Thursday? Of course, our listeners listen to shows on different days of the week, and sometimes weeks, months or years after a particular episode is released.

    Of course, we're happy for all of you listening to the show! We're thankful to our guests, and sponsors as well.  This year, we're thrilled to add our patrons to our list of people to be thankful for.

    Debt and financial issues are tough to try to tackle alone. What are you all thankful for this year?

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • When Emergency Funds Run DryEpisode 347:When Emergency Funds Run Dry

    If you have built up your emergency fund, nice work!  If not, there is still time to do so.

    However, what can you do if you need to use it and those funds run dry?

    Shawn & George discuss an article written by Quentin Fottrell for MarketWatch.com titled "Living paycheck-to-paycheck has become the norm: Inflation takes its toll on American finances as emergency funds run dry." You can find the article here: 'Living paycheck-to-paycheck has become the norm': Inflation takes its toll on American finances as emergency funds run dry - MarketWatch

    Some options:

    • Don't take on too much debt (of course, if you could do that you would be able to avoid paycheck-to-paycheck; and
    • Have people help you to get out of debt (whether by helping financially or even just giving advice).

    We also discuss some signs that you might be nearing bankruptcy, and some ways to fight inflation.

    As today's episode is released, Shawn will be speaking at his sons' elementary school for the Great American Teach-In, which means Thanksgiving is approaching. Be sure to check out next week's annual Thanksgiving episode!

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach 

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

  • The Perfect Business Finance Education ClassEpisode 346:The Perfect Business Finance Education Class

    What financial topics would you make sure business owners knew and understood before opening their businesses?

    Back in Episode 330, we talked about the Personal Finance Education Bill (HB 1054) that became law in Florida as of July 1, 2022, and requires a financial literacy course as a prerequisite to high school graduation. In that episode Shawn & George designed the perfect personal financial course!

    We thought it would be fun if, after designing the perfest personal financial course, if we got a call from Governor Ron DeSantis to design the perfest business financial course!

    We go through curriculum items like:

    • Reading and understanding your Balance Sheet, Profit & Loss, Cash Flow, and other financial statements;
    • Understanding the different types of loans and loan documents;
    • Having an exit plan;
    • Separating business and personal funds (maybe using the Profit First system);
    • And other syllabus items!

    After listening to the episode, do you agree?  What would you include or exclude? Can you connect us with Governor DeSantis? Or please just share this episode with your friends!

    You can listen to episode 330 here: https://yesnerlawpodcast.libsyn.com/the-perfect-personal-finance-education-class-episode-330

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Donating Your Real EstateEpisode 345:Donating Your Real Estate

    What is the charitable gifting of real estate?

    Who would give away their valuable real estate?

    Is the charitable gifting of real estate only for the super wealthy?

    In the calendar year 2021, approximately $9 Billion was donated in real estate alone, and that is only a small fraction of all donations given to organizations nationwide. Real Estate giving is through various organizations, include Realty Gift Fund, which our guest talks about on this week's episode of The Crushing Debt Podcast.

    Originally from Washington State, Cherie Buell relocated to the Tampa Bay area in 2006 and have become deeply rooted in the area as an accomplished Realtor holding multiple designations, including Accredited Buyer Representative, Seller Representative Specialist, Certified Luxury Home Marketing Specialist and the FIRST Charitable Real Estate Champion in Pinellas County.

    Cherie and I discuss charitable gifting of real estate, what properties qualify, who are the Real Agents of Change, and how you can help benefit your favorite charitable organization.

    You can reach Cherie at 727-266-6530, CherieBuell.Realtor@gmail.com or www.YourLuxuryHomeSold.com.

    Let me know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Protect Your SH...tuffEpisode 344:Protect Your SH...tuff

    Are you a ghost in the public records? Do you need to be?

    Do you get your asset protection advice from TikTok (any advice for that matter)?

    Have you completed your business succession planning, or business estate planning?

    On this week's episode of the Crushing Debt Podcast, George and Shawn welcome Jason Sampson, co-founder of Fortress Asset Protection, and founder of Venerable Law. Jason focuses on a wide array of business matters, from start-ups to business succession planning, and everything in between.  Jason has been a practicing attorney for well over two decades. His focus is on building long term relationships with business owners to structure their business organizations for success.

    You can contact Jason by email at Jason@FortressAssetProtection.com or visit his website at www.FortressAssetProtection.com.

    You may recall Fortress's co-founder, and the owner of Mortellaro Law, Michelangelo Mortellaro as a guest on Episode 292 of the podcast talking about personal asset protection and estate planning. You can listen to that episode here: https://yesnerlawpodcast.libsyn.com/fortress-asset-protection-episode-292 

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Happy Business, Happy Partner, Happy LifeEpisode 343:Happy Business, Happy Partner, Happy Life

    When you think of balance, what does that mean to you?

    Are you working your business, or is your business working you?

    Does your business provide you with the life you desire?

    How do you balance your business so you can have the life & health you want?

    In this week's episode, George and Shawn provide practical tips on helping you to obtain balance, in your work and in your life, so that you can create whatever life you choose. The old saying "happy wife, happy life" can be expanded to "happy business, happy partner, happy life" (even though it doesn't rhyme).

    Shawn is speaking and participating in the More Money, More Time, More Fun Summit which is all day (8 am - 5 pm) on December 9, 2022. There will be presentations, networking sessions and mastermind breakouts around these topics too! Tickets start at only $9. You can register at: https://bit.ly/MoreSummit

    Let us know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Crazy About MoneyEpisode 432:Crazy About Money

    Do you have positive or negative feelings about money?

    Do you know your "money type" - Amasser, Hoarder, High-Roller?

    Are you in balance spiritually, financially and physically?

    Are you able to navigate a money crisis?

    This week, George and Shawn talk to Maggie Baker, PhD, a practicing psychologist for 30 years, who offers services for anxiety, depression, relationship issues, trauma, ADHD/ADD and money behavior issues. Dr. Baker works with individuals, couples and families as well as facilitate group psychotherapy.

    Dr. Maggie's book, Crazy About Money Crazy helps readers identify the unconscious emotions and beliefs that usually come from childhood and drive money decisions as adults. It also shows readers how to change misguided attitudes that lead so many into money trouble.

    You can contact Dr. Maggie at Maggie@MaggieBakerPhd.com or visit her website at www.MaggieBakerphd.com. 

    Let me know if you enjoy this episode and, if so, please share it with your friends!

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Just Say No!Episode 341:Just Say No!

    Do you feel overwhelmed at times?

    Do you feel like you have too much on your plate?

    Are you worried that you might let people down if you say no?

    Shawn felt that way prior to recording this week's episode, which gave George a great opportunity to talk Shawn (as well as any other listeners) "off the ledge" and give us all permission to say "no" in a polite way, from time to time.

    How easy is it for you to say "no?"  We would love to get an email or comment from you on this topic.

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Let me know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Overcoming Financial Trauma - Episode 340Episode 340:Overcoming Financial Trauma - Episode 340

    How do you manage financial trauma?

    What is financial trauma?

    How does financial trauma present itself?

    Is financial trauma a good thing or a bad thing?

    In this week's episode, George and Shawn talk about financial trauma, abundance and scarcity mindset, how childhood impacts financial trauma, how financial trauma may present itself, and how to manage financial trauma so that it does not become crippling or cause someone to "bury their head in the sand."

    Let me know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Navigating InflationEpisode 339:Navigating Inflation

    Have you felt the impact of inflation over the last six months? Over the last twelve?

    If so, how has it impacted you?

    What habits or behaviors have you changed because of inflation?

    A few weeks ago, Shawn attended FinCon 2022, an annual seminar to help "personal finance content creators and brands create better content, reach their audience, and make more money." This year FinCon was in Orlando, and we could not pass up the opportunity to get additional education around personal finance topics and make some great connections in the space. Next year, it will be in New Orleans and you can find more information at www.FinConExpo.com. 

    One of the presentations Shawn attended described the different ways that individuals have felt the impact of inflation and how they are adjusting their budgets to battle inflation. For example:

    • The increase in the cost of essentials - groceries, gas & utilities
    • Shift in savings strategies
    • Reducing participation in extracurricular activities
    • Searching deals or discounts
    • Downloading money-saving apps, and
    • Avoiding big-ticket purchases

    What are some of the things you're doing?

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Let me know if you enjoy this episode and, if so, please share it with your friends!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com, or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Money and RelationshipsEpisode 338:Money and Relationships

    Things you tell your attorney are attorney-client privileged. As attorneys we cannot share confidential information with anyone. But what happens in bankruptcy court when financial information has to be disclosed to the trustee by one spouse, that was unknown by the other spouse?

    In this week's episode, Shawn and George talk about stories relayed by different bankruptcy attorneys of when financial infidelity gets discovered, like:

    • When one spouse gave the other money to make mortgage payments, but the spouse used that money instead for something else.
    • When the engagement ring is fake but the receiving spouse didn't know that.
    • When one spouse has been paying child support unknown by the other spouse.
    • When one spouse has children by another relationship unknown by the other spouse.
    • When one spouse tries to file bankruptcy for both, without telling the other spouse.

    These stories all arise from a Facebook post in a group comprised only of bankruptcy attorneys.  They are all true (or likely true) but are meant in the spirit of being funny. Still, we talk about these stories in terms of what they may mean to a couple trying to dig themselves out of debt and the consequences that may arise from "financial infidelity."

    Please visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Good Credit Does Not Have To Equal Debt!Episode 337:Good Credit Does Not Have To Equal Debt!

    Is all debt bad?

    What is your strategy around incurring debt?

    What do you want to accomplish using credit and debt?

    What is your plan to improve your credit score and reduce your debt?

    This week, we interview David Dishman, owner of 12 Point Life and a consumer credit expert with more than two years experience helping families decrease their debt and increase their credit to achieve their goals. 

    George and Shawn talk to David about a lot of different topics, including:

    • Credit Cards (and rewards)
    • Credit Score
    • Credit Repair
    • CROA (Credit Repair Organizations Act)
    • Red Flags to look out for when choosing a credit repair company

    You can contact David at David@OmegaMoneyCoach.com.

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

    Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • The #1 Reason People File for BankruptcyEpisode 336:The #1 Reason People File for Bankruptcy

    What is the number one reason people file for bankruptcy?

    What famous celebrity lists his 20-year-old money mistakes?

    Are we getting deeper in debt as inflation boosts costs?

    On this week's episode we discuss these topics and more.  You can find the articles we reference at these links:

    Is Rachel Cruz right about her #1 reason for bankruptcy?  Here's a hint, check out our Episode 325, Crush Medical Debt.

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

    Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!

    Or, you can support the show by visiting our new Patreon page! https://www.patreon.com/crushingDebt

    To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.

    To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.

  • Five Money RulesEpisode 335:Five Money Rules

    What are the five money rules you should follow while you're still young, or "regret it later in life"?

    We recently read an article written by Morgan Housel for CNBC. You can find the article here: https://cnb.cx/35yNVut

    While the article has some great tips: (1) live below your means, (2) money disputes and relationship disputes, (3) avoid debt, (4) affordable services, and (5) career - let's just say that Mr. Housel's writing style is a bit ... direct.

    The article has some great tips that we discuss, some tips that we don't necessarily agree with (we love libraries and community colleges), and some tips that are in-your-face funny.

    We also discuss some of our "Money Rules" that were not mentioned in the article.  What are some of your "Money Rules"?

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.  

    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 or visit www.YesnerLaw.com.

  • Finding and Keeping Happy EmployeesEpisode 334:Finding and Keeping Happy Employees

    Was the "Great Resignation" caused by COVID-19?

    How can you decrease the likelihood that good employees will leave? How can you decrease the likelihood that terminated employees may sue?

    How can you find and keep happy employees?

    Attorney April Goodwin, of The Goodwin Firm, joins Shawn and George today in studio to talk about finding and keeping happy employees. April's practice focuses on employment law (mostly representing employers) and pet law.

    We talked to April about pet law back in Episode 229 - Emotional Support Peacocks.

    In today's episode April, Shawn & George talk about:

    • The "Great Resignation"
    • How long this employee shortage may last and how has it been impacted by COVID-19
    • Ways to set up your employees for success, from the job interview, through the hiring process, and as employees
    • How an employer might incur liability in their treatment of employees.

    You can listen to April's previous episode here: https://yesnerlawpodcast.libsyn.com/emotional-support-peacocks-episode-229

    You can contact April at April@Goodwin-Firm.com or www.Goodwin-Firm.com 

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 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 or visit www.YesnerLaw.com.

  • FloridaEpisode 333:Florida's Car Insurance Mistakes

    What is "full coverage" with regard to car insurance?

    What coverage is required under Florida law?

    What coverage should you have?  Or avoid?

    In this week's episode of The Crushing Debt Podcast, we talk to Walt Blenner of Blenner Law Group about the different types of auto insurance coverages, subrogation, fault and no-fault, and what happens to insurance when the driver is ticketed (or not).

    Walt moved to Tampa Bay "temporarily" 30 years ago until he figured out where he wanted to practice - turns out it was here in Tampa Bay! Walt's practice encompasses both personal injury and a niche he's carved for himself representing lottery winners (which we talk to him about too).

    You can reach Walt at walt@blennerlawgroup.com or www.blennerlawgroup.com. Email Walt to get a free electronic copy of his tri-fold Florida's Car Insurance Mistakes.

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.  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 or visit www.YesnerLaw.com.

  • Making Time to Crush Your DebtEpisode 332:Making Time to Crush Your Debt

    What would you do with an extra month this year? Every year?

    How is your cell phone costing you time when you could instead be making money?

    How can you trade money for time?

    This week's guest is making her fifth appearance on the show! Our friend Tiffanie Kellog is back to talk about her program 13 Months a Year! Tiffanie helps her clients MAKE MONEY, SAVE TIME and have FUN!

    Whether sharing her expertise (with her southern accent) on referral marketing, networking or maximizing your time, Tiffanie will knock the socks off the audience with her fun and enteretaining presentations while leaving them with eTiffanies (epiphanies from Tiffanie) to help create RESULTS in their world!

    Tiffanie is a three-time published author: 4 1/2 Networking Mistakes: Maximizing Your Networking Efforts by Avoiding Common Mistakes, Knock the Socks Off Your Audience: Delivering Presentations with Power and Passion to Audiences Large and Small, and Socks to Success: Be Memorable! Branding to Generate More Referrals. You can find her books at her website www.TiffanieKellog.com or on Amazon.  You can contact Tiffanie at TiffanieK@Asentiv.com.

    You can register for Tiffanie's 13 Months a Year Course at: bit.ly/TKMoreTime.

    Listen to Tiffanie's previous Crushing Debt Podcast Episodes:

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com. 
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

    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.

  • Who Owns My House?Episode 331:Who Owns My House?

    As housing prices have appreciated, we have seen less foreclosures and short sales - they're not gone, but clearly reduced in number recently.

    The trend we've seen in an increase in other types of lawsuits with the increase in property values.

    In particular, I have many more partition lawsuits in the office than I did a year or even six months ago. In a partition lawsuit, two co-owners are fighting over whether to sell a jointly owned home, and when sold how much does each owner receive from the sale. Typically, partition lawsuits arise between unmarried individuals that own property - siblings or extended family, non-married individuals that co-own a home, and people who acquire a home jointly as heirs of a deceased person.

    Along with partition lawsuits, we have also seen a rise in quiet title lawsuits. The purpose of a quiet title lawsuit is to have the Court determine whether someone's interest in a house is legitimate - maybe an heir omitted from probate, or maybe a "wild deed" in the title.

    On this week's episode of the Crushing Debt Podcast, George and Shawn talk about real estate, partition and quiet title lawsuits.

    For more information on these topics, check out previous episodes:

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 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 Perfect Personal Finance Education ClassEpisode 330:The Perfect Personal Finance Education Class

    The Personal Finance Education Bill (HB 1054) became law in Florida as of July 1, 2022.  The new law requires a financial literacy course as a prerequisite to high school graduation.

    George and I were thinking, if we designed the course, or if Governor DeSantis consulted with us to design the course, what are the top five things we would include (and then we thought up a few more).

    • How to balance a checking account
    • Understanding spending behaviors
    • Budgeting
    • Understanding Credit Score
    • and more ...

    After listening to the episode, do you agree?  What would you include? Can you connect us with Governor DeSantis?

    One website mentioned in the episode - to get a free copy of your credit report annually, visit www.AnnualCreditReport.com. That is the only website endorsed by the FTC (Federal Trade Commission) and the only one that should be truly free on an annual basis.

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 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.

  • Financial Literacy For All AgesEpisode 329:Financial Literacy For All Ages

    When should we teach financial literacy lessons to our kids, and what should we teach them?

    What does "financial literacy" really mean?

    What are the common financial problems people are facing today?

    Why do so few states teach personal finance in public schools?

    Today's guest on the Crushing Debt Podcast is Vince Shorb, one of the country's leading advocates for promoting financial wellness and a thought leader in teaching and scaling financial education programming. Vince founded the National Financial Educators Council, an organization dedicated to combating the financial literacy epidemic. Vince's mission is to create a world where people are informed to make qualified financial decisions and confidently take effective financial action that best helps them meet their basic human needs while moving towards fulfilling their personal, family and global community needs.

    George and I talk to Vince about his financial journey and the lessons he learned along the way. We answer all of the questions above. Also we talk about the Florida Personal Finance Education Bill, which took effect July 1, 2022.

    You can find Vince at:

    Website: https://www.financialeducatorscouncil.org/ LinkedIn: https://www.linkedin.com/in/vinceshorb/ Facebook: https://www.facebook.com/NationalFinancialEducatorsCouncil/ Twitter: https://twitter.com/NFEC_FinEdu

    Please also visit our sponsors:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 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.

     

  • How to Get Paid by the Bankruptcy TrusteeEpisode 328:How to Get Paid by the Bankruptcy Trustee

    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:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 

    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.

  • How Will the FedEpisode 327:How Will the Fed's Rate Hike Impact You?

    The Fed raised interest rates. What does that mean for you?

    In this week's episode of The Crushing Debt Podcast, we discuss:

    • The Fed's rate increase and its impact on inflation and interest rates.
    • What you can do to curb the impact of inflation on your finances.
    • Governor DeSantis's veto of the increase of the automobile exemption to $5,000.
    • and other topics.

    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:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com. 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. 

  • Money MythsEpisode 326:Money Myths

    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:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

    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.

    Shawn@Yesnerlaw.com / www.YesnerLaw.com 

  • Crush Medical DebtEpisode 325:Crush Medical Debt

    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:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

    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.

    Shawn@Yesnerlaw.com / www.YesnerLaw.com 

  • Get Out of DebtEpisode 324:Get Out of Debt

    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:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

    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 You Win the Lottery?Episode 323:What Happens When You Win the Lottery?

    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:

    • Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.
    • Mark Purvis to help retirees who are looking for a fun and rewarding project  by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

    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 

     

  • How is Blockchain Affecting Real Estate InvestingEpisode 322:How is Blockchain Affecting Real Estate Investing
    What will be the impact of blockchain technology on real estate transactions?

    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:

    • Sam Cohen of Attorneys First Insurance if you want malpractice coverage for your law firm or title company, anywhere in the Country: www.AttorneysFirst.com.
    • Mark Purvis with www.LegacySpotlight.com to capture and preserve your legacy in video format for current and future generations.

    Questions or comments for me: Shawn@Yesnerlaw.com or www.YesnerLaw.com. 

  • Entrepreneurship and Credit ScoresEpisode 321:Entrepreneurship and Credit Scores

    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:

    • Mark Purvis, our show editor, who also owns www.legacyspotlight.com, where you can capture the life stories of your retired parents and create legacy videos to spark meaningful family conversations for generations to come.
    • Sam Cohen owner of www.AttorneysFirst.com, who provides malpractice insurance to attorneys and title companies throughout the U.S. with a focus on Florida and Texas attorneys and title companies.

    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!

  • The Land GeekEpisode 320:The Land Geek

    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:

    • www.LegacySpotlight.com by our friend and editor, Mark Purvis, where you can capture the wisdom, knowledge and stories of your parents or grandparents to pass on to your kids or grandkids!
    • www.AttorneysFirst.com owned by our friend Sam Cohen, where he helps attorneys and title companies protect themselves from malpractice claims through insurance.

    If you have questions for me, you can reach me at www.YesnerLaw.com. 

     

  • The Wealth ArchitectEpisode 319:The Wealth Architect

    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. 

  • Spectacular FailuresEpisode 318:Spectacular Failures

    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:

    • Social media under Rod Khleif
    • www.realestatewithrod.com
    • Lifetime Cash Flow Through Real Estate Investing Podcast
    • Books - Lifetime Cash Flow Through Real Estate Investing, and Lifetime Cash Flow Through Multifamily Properties

    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:

    • Sam Cohen of Attorneys First Insurance, looking for attorneys or title companies that need to buy or renew their malpractice coverage. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
    • Mark Purvis, owner of www.LegacySpotlight.com for people who want to preserve the legacy of their family's older generation for the benefit of the younger generation.

    If you have any questions, you can also contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Legacy Cash FlowEpisode 317:Legacy Cash Flow

    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 Many People Live in Your House?Episode 315:How Many People Live in Your House?

    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. 

  • Pay Off Your Car Loan!Episode 314:Pay Off Your Car Loan!

    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.

  • WeEpisode 313:We're Back!

    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!

  • Find Your Safe HarborEpisode 312:Find Your Safe Harbor

    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. 

  • Play Louder!Episode 311:Play Louder!

    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

    Joe DiSanto is a fractional CFO and consultant to small businesses and high-income individuals. He also founded the blog Play Louder, which serves as an invaluable resource to help individuals and business owners increase their net worth and plan better for their future.   https://www.linkedin.com/in/josephdisanto/   https://www.facebook.com/playlouderblog/   https://www.youtube.com/c/PlayLouder

    Check out some of Play Louder’s most popular content…

    The Financial Planning Process: Your Route to Financial Independence!   How to Incorporate Yourself to Save Money (and Protect Your Assets)   How to Make Your Money Work for You: 7 Modern Methods for Investing in “The Market”   Top 5 Personal Bookkeeping Software Options: Personal Capital vs Mint vs Quicken vs Money Dance vs Countabout   Fundrise vs DiversyFund vs CrowdStreet: The Best Sites for Crowdfunded Real Estate Investing   Acorns vs Robinhood vs Webull vs M1 Finance: Which One is the Best?   Play Louder's free courses…   Get a grip on your finances with Personal Budgeting Basics!   Learn how to Incorporate Your Business to protect your assets and save money!   Analyze your Real Estate Investments like a pro!   Please also visit our show's sponsor, Sam Cohen and refer him a title company or attorney who is scheduled to renew their malpractice insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com.   If you have a story about getting into, and then out of debt, please let me know.  I would appreciate the opportunity to feature you on a future episode - Shawn@YesnerLaw.com or www.YesnerLaw.com. 
  • Shooting Your Way Out of DebtEpisode 310:Shooting Your Way Out of Debt

    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!

  • Mindful InvestmentsEpisode 309:Mindful Investments

    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 

  • Debt Settlement AinEpisode 308:Debt Settlement Ain't Poker
    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. 

  • 21 Ways to Crush Your Vacation Debt - Episode 307Episode 307:21 Ways to Crush Your Vacation Debt - Episode 307

    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. 

  • Stay Off of Freddie MacEpisode 306:Stay Off of Freddie Mac's Exclusionary List

    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:

    • 32 - Freddie Mac Exclusionary List - https://traffic.libsyn.com/forcedn/yesnerlawpodcast/EP_32_YL_Podcast_FHLMC.mp3
    • 83 - Freddie Mac Exclusionary List Update - https://yesnerlawpodcast.libsyn.com/episode-83-freddie-mac-exclusionary-list-update
    • 132 - Coming Off the Freddie Mac Exclusionary List - https://yesnerlawpodcast.libsyn.com/episode-132-coming-off-of-the-freddie-mac-exclusionary-list
    • 179 - Freddie Mac Exclusionary List Policy - https://yesnerlawpodcast.libsyn.com/freddie-mac-exclusionary-list-policy-episode-179
    • 262 - The Secret to Coming Off The Freddie Mac Exclusionary List - https://yesnerlawpodcast.libsyn.com/the-secret-to-coming-off-the-freddie-mac-exclusionary-list-episode-262
    • 277 - Top 5 Myths About The Freddie Mac Exclusionary List - https://yesnerlawpodcast.libsyn.com/top-5-myths-about-the-freddie-mac-exclusionary-list-episode-277

    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.

  • Always Sharpen the SawEpisode 305:Always Sharpen the Saw

    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:

    • You Can Negotiate Anything - Herb Cohen
    • Shark In The Housing Pool - Matthew Cox
    • Clockwork - Mike Michalowicz
    • The New Great Depression - James Rickards
    • Why My J.O.B. Quit Me - Mechiel Kopaska
    • Remarkable Business - Contribution by Shawn Yesner
    • Your Best Year Yet - Jinny S. Ditzler
    • The Energy Bus - Jon Gordon
    • Bitcoin Billionaires - Ben Mezrich
    • The Bomber Mafia - Malcolm Gladwell
    • The Pumpkin Plan - Mike Michalowicz
    • Building a Story Brand - Donald Miller
    • The 401k Revival - Michael Watkins
    • The Creature from Jekyll Island - G. Edward Griffin
    • The Diabetes Code - Dr. Jason Fung
    • Permission Marketing - Seth Godin

    I had the privilege to interview some of these authors about their books on my show during the year.

    • Mike Michalowicz - Episode 231, Become Debt Free with Profit First
    • Michiel Kopaska - Episode 263, Stuck in a J.O.B.?
    • Michael Watkins - Episode 284, Sidestep the Market Crash (plus episodes 196 and 97)

    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. 

  • Achieving the Pathway to Financial FreedomEpisode 304:Achieving the Pathway to Financial Freedom

    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.

    Purchase First to a Million: A Teenager’s Guide to Achieving Early Financial Independence: https://bit.ly/3qpb656 SheeksFreaks Community: https://bit.ly/sheeksfreaks126 SheeksFreaks Instagram: https://www.instagram.com/sheeksfreaks/

    Dan’s Instagram: https://www.instagram.com/dsheeks/

    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. 

  • IEpisode 303:I'll Do It Myself

    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. 

  • Foreclosure, Bankruptcy and Market Predictions...Episode 302:Foreclosure, Bankruptcy and Market Predictions...

    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. 

  • I Got Rid of My Second Mortgage, DidnEpisode 301:I Got Rid of My Second Mortgage, Didn't I?

    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. 

  • Cut $300 or More From Your Monthly BudgetEpisode 300:Cut $300 or More From Your Monthly Budget

    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.

     

  • You CanEpisode 299:You Can't Take My House! Can You?

    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. 

  • Lions and Tigers and Bears, Oh My!Episode 298:Lions and Tigers and Bears, Oh My!

    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. 

  • Crushing MY Medical DebtEpisode 297:Crushing MY Medical Debt

    What do you have to be thankful for this Thanksgiving 2021?

    The Yesner family has had its share of doctors and hospitals this year and thankfully, everyone is okay!

    The goal of my podcast is to help people with the general message that "everything is going to be okay." Today I want to try to help with a message that is more health-related.  We're all human and we all have health issues from time to time.

    Today's episode of The Crushing Debt Podcast is a slight deviation from my normal topics - it is not necessarily a legal episode.  Instead, I decided to chronicle my recent diagnosis and treatment of my Type 2 Diabetes.

    A few of the links mentioned in today's episode:

    Episode 17 - Running & Networking.: https://traffic.libsyn.com/secure/yesnerlawpodcast/260241161-yesner_law_podcast-episode-17-running-and-networking.mp3

    The Diabetes Code: The Diabetes Code: Prevent and Reverse Type 2 Diabetes Naturally (The Wellness Code Book Two) (The Code Series, 2): Fung, Dr. Jason, Teicholz, Nina: 9781771642651: Amazon.com: Books

    I hope you take away two things from today's episode: (1) everything (including me) is going to be okay, and (2) we can all help and support each other.

    Happy Thanksgiving!

    I'm also thankful for our sponsor, Sam Cohen of Attorneys First Insurance and would be appreciative if you could introduce him to an attorney or title company you know in Florida or Texas that needs malpractice insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    You can email me directly at Shawn@Yesnerlaw.com or www.YesnerLaw.com. 

     

  • A Guide to Title InsuranceEpisode 296:A Guide to Title Insurance

    One question we received this week from a client: "I'm buying a house from my parents, should I get title insurance?"

    The Florida Department of Financial Services licenses and oversees Title Insurance in the State of Florida.  They put out a great guide to title insurance that we review in today's episode of The Crushing Debt Podcast.

    The link to download the guide is:

    https://www.myfloridacfo.com/division/consumers/understandingcoverage/guides/documents/TitleInsurance.pdf

    The guide is a short read, about eight pages long and covers the basics: the closing, the closing agent, title insurance, how to select a title agent, tips, common terms and definitions and frequently asked questions.

    One other link mentioned in the guide and in the episode is a link to verify the licensure of a particular title company or title agent, which you can find at: https://licenseesearch.fldfs.com. 

    Our sponsor, Sam Cohen of Attorneys First Insurance provides malpractice coverage to title companies (and attorneys) all over the Country. He would love an introduction to the title company you used for your last closing.  You can make that introduction at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    For more information, previous podcast episodes, blogs, and other useful tips, please visit the Yesner Law website at www.YesnerLaw.com. 

  • PSLFJobs.comEpisode 295:PSLFJobs.com

    We've talked before on the Crushing Debt podcast about student loans and how to eliminate the high cost of paying for an education. One of the best ways is if the student loan qualifies for discharge under the PSLF program (Public Service Loan Forgiveness).

    This week's guest on the show is Jason DiLorenzo, founder and CEO of www.PSLFJobs.com. The website helps provide information to student loan borrowers and employers, and helps match employees to employers to help facilitate forgiveness of the student loan under the PSLF program.

    Listen to the end of the episode to hear a special offer from Jason and PSLFJobs.com!

    PSLFJobs.com also has a salary calculator, PSLF diagnostic, and other information designed to assist both employees and employers under the PSLF program. If you have direct questions, you can email Help@PSLFJobs.com. 

    Jason and I have a great discussion about:

    • What loans qualify for PSLF;
    • The Department of Education making older FFEL loans qualify under the PSLF Program;
    • The number of student loan borrowers who might be impacted under the PSLF program;
    • The impact of FedLoan being replaced as a student loan servicer by MOHELA;
    • The impact of Navient being replaced as a student loan servicer by Maximus; and
    • Whether this is enough to help people burdened by student loans.

    You can also find more information about student loans at www.studentaid.gov.

    We do want to thank our continuing sponsor, Sam Cohen of Attorneys First Insurance and ask that you refer him an attorney or title company that needs a quote on malpractice coverage at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    To learn other tips about eliminating student loan debt, or other debt in general, download my book - Become Debt Free in Less Than One Hour - at www.ShawnMYesner.com/BecomeDebtFree. 

  • Four Drivers of the 2021 Real Estate MarketEpisode 294:Four Drivers of the 2021 Real Estate Market

    We are happy to welcome back our friend, former sponsor, and repeat guest Chris Calandra with Elliott Wealth Management Services to talk today about the four drivers of the 2021 real estate market.

    You can hear Chris on Episodes 157 (wealth management), 162 (life insurance), 186 (seven wealth building rules) and 210 (pandemic's impact on the economy) and he brings a TON of knowledge and content each time he's on the show.

    In today's Crushing Debt Podcast episode, we talk about the four things that primarily impacted the 2021 real estate market, which is still a bit crazy and unique even today, towards the end of the year:

    1. Excess Money Supply in the Economy
    2. Low Interest Rates
    3. Stay at Home Economy
    4. Limited Housing Supply

    We also discuss whether there's another real estate bubble forming, and the disappearance of short sales.

    If you know an  attorney or title company in Florida, Texas, or anywhere in the Country, you would be doing me and show a huge favor by introducing that attorney or title company to our show's sponsor, Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    To eliminate debt and create the money to invest in real estate, check out my book Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

  • Say ... SomethingEpisode 293:Say ... Something

    What is your vision in terms of money? What are your values surrounding money and debt?

    In this week's episode of the Crushing Debt Podcast, we interview our friend and returning guest, Marleta Black about her new book, Say ... Something: The Adventure of Finding the Right Words to Express Your Desires, Reduce Drama and Create Connection.

    I read the book and thought it was great - it is broken into bite-size chunks that each have actionable items for you to review, ponder and implement in your relationships, such as:

    • Eliminate counterproductive activities;
    • Be transparent;
    • Be accountable;
    • Understand your "triggers" and where they come from.

    Say ... Something takes you on a journey, both mentally and metaphorically, and helps you better understand and improve your relationships - with your spouse, your kids, your co-workers, your friends, your peers, and even your money!

    You can buy a copy of Marleta's book on Amazon at: https://www.amazon.com/SAY-Something-Adventure-Finding-Connection-ebook/dp/B09H7Q1GM9/ref=sr_1_3?crid=1B1610UAYSCWC&dchild=1&keywords=marleta+black+say+something&qid=1635413022&sprefix=Marleta+Black%2Caps%2C175&sr=8-3

    You can also hear Marleta in Episode 117 of the Crushing Debt Podcast.

    Also, please remember to support our sponsor, Sam Cohen of Attorneys First Insurance by referring him attorneys and title companies that need to purchase or renew their malpractice insurance. You can reach him at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Once your finished with Say ... Something, you can get your free copy of Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree. 

  • Fortress Asset ProtectionEpisode 292:Fortress Asset Protection

    If you are ever the target of a frivolous lawsuit, is your stuff protected? What if the lawsuit is legitimate, is your stuff protected?

    What happens to your stuff when you die?

    This week's guest on the Crushing Debt podcast is attorney Michelangelo Mortellaro, who has been practicing since 2007 in the areas of estate planning and elder law.

    In 2020, Michelangelo started Fortress Asset Protection with another attorney to help shield your business from lawsuits and creditors.

    In today's episode, we discuss the basics of probate and estate planning law, and why its important to have an estate plan, especially if you own your own business. Then we turn to asset protection and the various tools Michelangelo can use, whether you're an individual, business owner, or investor, to protect what you have from frivolous lawsuits.

    You can reach Michelangelo by visiting his lawfirm website - www.MortellaroLaw.com, or Fortress's website - www.FortressAssetProtection.com. 

    Please support our sponsor, Sam Cohen at Attorneys First Insurance. Sam would appreciate introductions to attorneys and title companies all over the country, specifically in Florida and Texas. You can reach him at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    If you want to reduce your debt to avoid credit card lawsuits, please download my second book - Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree. 

  • Why So Many Documents?Episode 291:Why So Many Documents?

    How much due diligence goes into filing bankruptcy? What are the document requirements?

    While these are not questions I get from clients too often, they are two of the most important questions when considering a bankruptcy filing.  Why? Because failing to do any due diligence prior to filing could get both the client and the law firm (and me) in trouble with the bankruptcy court.  And when you get into trouble with the bankruptcy court, it is the FBI that comes knocking on the door!

    So what are the due diligence requirements?  We provide all of our clients with document checklists, information, and support. In today's episode, I discuss most of the different common types of documents and information we need.  Of course, every bankruptcy is factually different, so the list provided in today's episode is just the starting point.

    If you have questions about bankruptcy, please let us know or post a comment wherever you listen to this podcast!

    We're also excited about Podfest Origins at the beginning of November, LIVE in Tampa, Florida.  You can get more information at www.Podfestexpo.com. 

    In the event an attorney does not do his or her due diligence, we have our sponsor, Sam Cohen of Attorneys First Insurance who handles malpractice coverage for attorneys and title companies throughout the United States but, right now, has a particular focus on Florida and Texas.  If you know an attorney or title company in need of professional liability coverage, please refer them to Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    More questions about bankruptcy or just want to know how to have more money at the end of the month rather than month at the end of the money?  Check out my book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

     

  • Suckered by the Condominium AssociationEpisode 290:Suckered by the Condominium Association

    Do you buy properties at the foreclosure sale?

    Do you buy at the foreclosure sale of the condominium or homeowner association?

    If so, you may end up with a property that has no equity AND still be responsible to pay the association every month.

    This week's episode is also based on Episode 26 where I discuss lien priority, and is also based on an actual client who bought three association properties at foreclosure sale, for somewhere in the range of $40,000 each, and AFTER the sale learned that each one had a first mortgage in place that eliminated any equity or profit she thought she made when purchasing the properties.

    Learn how we were able to help her recoup some of her money, but more importantly learn how we can help other investors avoid this mistake!

    Please also refer our sponsor, Sam Cohen, to an attorney or title company you know in Florida or Texas who needs to renew their professional liability insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Also check out www.Podfestexpo.com for the return of Podfest  Origins LIVE on November 4 & 5, 2021 (I'll be participating and speaking if you want to meet up with me).

    Finally, my books contain other tips and tricks to help you have more money at the end of the month, rather than more month at the end of the money.  www.ShawnMYesner.com/BecomeDebtFree. 

  • Bankruptcy for BeginnersEpisode 289:Bankruptcy for Beginners

    Bankruptcy can be a great tool to help give someone a fresh start and relief from overwhelming debt. However, it is very often misunderstood - I have numerous shows dealing with the topic, including debunking myths surrounding bankruptcy.

    Today's show is an interview I did with Credit Kristi, who you can hear on my previous episode 247. Kristi started her own podcast called Credit Coaching by Kristi, and you can find it wherever you are listening to this show.  Kristi interviews me for her show about the basics of bankruptcy and was so generous to allow me to use the audio for this episode of The Crushing Debt Podcast.

    If you have questions about credit, definitely check out Kristi's show - Credit Coaching by Kristi.

    Please also support our sponsor, Sam Cohen and Attorneys First Insurance, by introducing Sam to an attorney or title company in Florida or Texas that needs a quote for their malpractice or professional liability insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    Finally, we're still trying to get our second book in as many hands as we can, and the book is FREE at www.ShawnMYesner.com/BecomeDebtFree. 

  • Get Off My Lawn!Episode 288:Get Off My Lawn!

    You added someone to the deed of your house - maybe years ago, maybe months ago - and now you want them off of the deed.  How do you do that?

    That is the topic of today's Crushing Debt Podcast episode, and the answer is both simple and complex.

    I also take some time to update you on what Yesner Law is up to in the coming months, specifically:

    • The Great Westchase - a great 10k, 5k, 1-mile race through my home neighborhood of Westchase on October 23, 2021, starting at 7 AM.  You can find more information at: https://greatwestchase.wixsite.com/website/ or https://www.facebook.com/thegreatwestchase.
    • Westchase Krewe of Freebooters Golf Tournament - a golf tournament by the Westchase Gasparilla Krewe benefitting the Westchase Charitable Foundation, also on October 23, 2021, starting at 11:30 AM.  You can find more information at: www.WestchaseKrewe.com. 
    • Podfest Origins Tampa - a great seminar if you are a podcaster, YouTuber, or produce any type of content on or for social media. You'll learn things like: How to get guests, how to be a guest, how to monetize your show, how to produce your show, and other helpful topics for content creators and fans of episodic content!  There are three ways to participate: (1) virtual session 1 on 10/28 & 10/29/2021, (2) virtual session 2 from 11/1 to 11/3/2021, or (3) LIVE on 11/4 and 11/5/2021 in Tampa, Florida.  You can find more information at www.podfestexpo.com.

    Please remember to support our sponsor, Sam Cohen, at Attorneys First Insurance by introducing him to an attorney or title company you know anywhere in the Country, but particularly in Florida or Texas.  You can contact Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    Did you know that you can also create money in your budget by eliminating unnecessary expenses? Find more tips like this in my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

  • Student Loan Disability DischargesEpisode 287:Student Loan Disability Discharges

    Do you have a student loan owned by the Department of Education (rather than a private student loan) AND a finding of disability by the Social Security Administration?  There's been a change in the law to link those two things to provide a disability discharge of your student loan!

    On this week's episode of The Crushing Debt Podcast, we are happy to have returning guest Christie Arkovich to talk about discharging student loans for people with disabilities. Under the new law, a finding of total permanent disability (TPD) by the Social Security Administration or the Department of Education can lead to a discharge of your student loan debt.

    Christie has been helping people eliminate or negotiate student loans for years and has become one of the top attorneys in this area.  You can hear Christie on previous Crushing Debt episodes:

    • 50 - Student Loan Debt
    • 93 - Public Service Loan Forgiveness (PSLF)
    • 99 - Parents Plus Loans
    • 106 - Stopping the Robocalls
    • 234 - Discharging Student Loans in Bankruptcy

    You can find out more by contacting Christie at her email address - info@christiearkovich.com, or finding her YouTube Channel by searching "Christie Arkovich."

    Some other topics we discuss:

    • Tax impact of settling private student loans between now and 2025;
    • Suspension of the 3-year monitoring requirement with a TPD application
    • Extensions to Student Loan repayment under COVID

    Please remember to visit or refer an attorney or title company to our sponsor, Sam Cohen at Attorneys First Insurance at Sam@AttorneysFirst or www.AttorneysFirst.com.

    Please remember to check out my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

  • The Money NerveEpisode 286:The Money Nerve

    How do your emotions impact your financial decision-making?

    How can you create a healthy relationship with money?

    These are topics we've covered before on the show, but never from the unique perspective of this week's guest, Bob Wheeler.

    Bob is a CPA and has cross-pollinated his accounting practice with his desire to help people understand how their emotions impact their financial decision making.  Bob is also a world-traveler, comedian, and CFO for The World Famous Comedy Store.

    Bob and I talk about:

    • How emotions impact financial decision-making.
    • A healthy relationship with money.
    • What happened to him in Africa that changed his beliefs around money.
    • What happened to him in Nepal while trekking to Base Camp Everest and how that relates to "baby steps."
    • How he became the CFO for The World Famous Comedy Store.

    You can find out more about Bob in his book, The Money Nerve: Navigating The Emotions of Money, his online course Mastering the Emotions of Money, his podcast, Money You Should Ask, and his website, www.TheMoneyNerve.com 

    Please also refer a Florida or Texas attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    To learn even more about money and your relationship with money, download my book for free - Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

  • Control Your ThinkingEpisode 285:Control Your Thinking

    How would you react if you were car-jacked and kidnapped for three hours?

    What lessons can you take from such an extremely stressful situation? And how can you apply those lessons to other stressful situations, especially financial stress?

    How do you react when someone is suing you for money? When you are fearful of eviction, foreclosure or bankruptcy?

    Today's guest on the Crushing Debt Podcast is Lee Roebeck from Johannesburg, South Africa. Lee is a mindset coach who focuses on human potential and success.

    You'll hear Lee tell his story and how he used his training and knowledge to help himself, and how he helps his clients, to deal with amazing stress events in their lives.

    Lee and I talk about:

    • The Law of Polarity
    • We Become What we Think About
    • As a Man Thinketh
    • Michael Bernard Beckwith's three steps
    • Painting a Positive Picture on the Screen of Your Mind

    Certainly a carjacking or kidnapping is more life threatening than a foreclosure or eviction, but both are high-stress events that will impact you and your family.  Lee provides some great information on dealing with high-stress situations, in the moment, to help you overcome any obstacle that you might face.

    You can get an audio recording of the Serenity Chapter of As a Man Thinketh by going to bit.ly/SerenityRecording

    Please also visit our sponsor, Sam Cohen, to eliminate any stress you might have as an attorney or title company by purchasing malpractice coverage.  Sam can be reached at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    FInally, to help eliminate the stress of money, download my book for free at www.ShawnMYesner.com/BecomeDebtFree, to learn ways to have more money at the end of the month, rather than more month at the end of the money.

  • Sidestep the Market CrashEpisode 284:Sidestep the Market Crash

    Are you sufficiently saving for retirement? Do you have a 401k through your work, or are you an employer that offers a 401k to your employees?

    How do you, as an investor minimize the loss in value in your 401k when the market drops or corrects?

    How do you, as an employer minimize your liability to provide investment advice to your employees through the 401k plan?

    This week's guest on the Crushing Debt Podcast is Michael Watkins. Mike is a repeat guest and friend of the show, having appeared on episode 196.

    Mike has just finished and released his new book The 401k Revival where he answers the question - how can you side step the next market crash.

    You can get a copy of the book at www.The401kRevival.com. 

    You can also get copies of my two books at www.ShawnMYesner.com to discover ways to create more money in your budget so that you can invest for retirement!

    Finally, please refer our sponsor, Sam Cohen of Attorneys First Insurance to a Florida or Texas attorney or title agent you know who is nearing renewal of their professional liability (malpractice) insurance. Sam@AttorneysFirst.com www.AttorneysFirst.com 

  • Seven Myths About Chapter 7Episode 283:Seven Myths About Chapter 7

    You can't earn any money after filing Chapter 7 bankruptcy.

    The Chapter 7 Trustee will come into your house and take all your stuff.

    Chapter 7 is now harder to file.

    These are all myths about filing a Chapter 7 (Liquidation) bankruptcy case.  Last week, I talked about thirteen myths about Chapter 13, and this week, I'm following it up with seven myths about Chapter 7. What are the other myths?  You'll have to listen to the episode to find out.

    Please continue to support our sponsor, Sam Cohen of Attorneys First Insurance, by introducing him to attorneys and title companies in Florida and Texas that want a competitive quote on renewing their professional liability (also called malpractice) insurance. Sam can be reached at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    For more information about Chapter 7 and 13, please order a free copy of my second book, Become Debt Free in Less Than One Hour, at www.ShawnMYesner.com/BecomeDebtFree. 

  • Thirteen Myths About Chapter 13Episode 282:Thirteen Myths About Chapter 13

    A Chapter 13 requires you to pay ALL of extra money to the Trustee every month!

    You are prohibited from moving, buying a new car or taking a vacation during a pending Chapter 13!

    Your creditors have to approve the Chapter 13!

    The Trustee will take all your stuff when you file Chapter 13!

    Yes, these are all myths and untrue when you file Chapter 13. This week's episode came about from a consultation with a prospective client who was so scared of filing Chapter 13 because of all of the misinformation on the internet. Once I dispelled those myths, we were able to craft a plan that allowed her to repay a portion of her debt, get a fresh start, keep some of her luxury items (like jet skis) and save a little bit of money each month!

    What other rumors or myths are there around Chapter 13?  This week, we discuss 13 of them (including some of the ones mentioned above).

    Please remember to refer an attorney or title company to our sponsor, Sam Cohen at Attorneys First Insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com

    If you want to learn more about Chapter 13 bankruptcy, you can read my book - Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree 

  • Foreclosure and Evictions are About to ResumeEpisode 281:Foreclosure and Evictions are About to Resume

    CBS News Headline: "With Evictions Set to Restart, Housing Advocates Fear Another Coronovirus Wave."

    Los Angeles Daily News: "Why Unprecedented Spike in Evictions is Expected as Federal Moratorium Expires."

    Miami Herald: "Avalanche: Miami Renters Brace for Mass Evictions as Moratorium Ends."

    The last time the CDC extended the eviction moratorium through July 31, 2021, it was intended to be the final extension.  So will the moratorium end?  Seems like it.  

    What are your rights as a landlord?  As a tenant?

    Along with the moratorium on evictions, there is also a moratorium on foreclosures that is also set to expire on July 31, 2021. Is your loan covered by the moratorium? If so, what does that mean for you? How can you save your home if COVID has prevented you from working and making mortgage payments?

    We discuss all of these, and related questions in today's episode of the Crushing Debt Podcast.  Learn how you can protect yourself, your family and your investment.

    Please also visit our sponsor, or refer a FL or TX Attorney or Title Company to Attorneys First Insurance by emailing an introduction to Sam@AttorneysFirst.com or visiting www.AttorneysFirst.com.

    Finally, learn how to stay debt free with my latest book, Become Debt Free In Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree. 

  • Promoting Your BusinessEpisode 280:Promoting Your Business

    How did you get started in business?

    Do you enjoy what you do?  What do you enjoy most?

    How do you support your local small business community?

    Today's guest on the Crushing Debt Podcast is Realtor Donnie Hathaway of Berkshire Hathaway. Donnie is a Florida native, born an raised in Pinellas County, Florida, who began his real estate career in 2016.

    While Donnie and I do discuss the local real estate market, Donnie supports the local businesses in the community with his podcast, Palm Harbor Local, where he interviews local business owners about what they do and why they do it.  You can find his podcast wherever you listen to podcasts, including Apple, Spotify, etc.  You can also find his show at www.PalmHarborLocal.com. 

    You can also connect with Donnie on Instagram - @PalmHarborLocal or @Donnie.Hathaway.

    Also, please support our sponsor, Sam Cohen of Attorneys First Insurance, by referring him an attorney or title company you know that is in need of a malpractice quote.  You can reach Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    Lastly, free copies of my second book, Become Debt Free in Less Than One Hour are available at www.ShawnMYesner.com/BecomeDebtFree. 

  • The Student Loan PlannerEpisode 279:The Student Loan Planner

    Do you know how to invest to pay down student debt while planning for the future?

    What is the likelihood of federal payments resuming in October 2021? What do you need to know and how can you prepare for either outcome?

    How can you figure out your best path forward? To determine if you should refinance or if you should work toward forgiveness programs such as a PSLF (Public Student Loan Forgiveness)?

    In this week's episode of The Crushing Debt Podcast, we interview Rob Bertman of Student Loan Planner.  You can find them at www.StudentLoanPlanner.com, you can listen to their podcast (The Student Loan Planner) at www.StudentLoanPlanner.com/category/podcast, as well as find them on Facebook and YouTube.

    Rob and I talk about the Student Loan System, how to prepare your personal finances and prioritize investments, the CARES Act, Moratoriums, Congressional Action and some breaking news about FedLoan.

    Please remember to support our sponsor Sam Cohen by referring an attorney or title company you know to Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    For more information about becoming debt free, please order a free copy of my book Become Debt Free In Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree. 

  • My Landlord Died! Is My Lease Still Valid?Episode 278:My Landlord Died! Is My Lease Still Valid?

    What should the tenant do when the landlord dies during the term of the lease?  What if the lease is month-to-month and there is no term?  Can the landlord's heirs evict the tenant to sell the house and cash in on their inheritance?

    You can find the related blog post here: My Landlord Died, Is My Lease Still Valid? | Florida Landlord Tenant Law (yesnerlaw.com)

    We have a few listener-related landlord/tenant questions on this week's episode of the Crushing Debt Podcast.  Thank you for sending these to us and keep them coming!

    We also discuss the CDC Eviction Moratorium - when does it expire / will it ever expire?  You can hear more about the moratorium(s) in Episodes 261, 255 and 239.

    Did you know about the Protecting Tenants At Foreclosure Act? What happens if your landlord is foreclosed mid-term? Whether you're allowed to stay through the end of the lease term depends on who buys the home.

    There was a Federal version of the Act which has been mirrored under Florida Law (and become effective upon the expiration of the Federal Act).  You can find Florida's version of the Act here: Statutes & Constitution :View Statutes : Online Sunshine (state.fl.us)

    We also give a brief Hurricane Elsa update (spoiler: we're fine).

    If you want to support the show, a great way to do that is to introduce an attorney or title company you know to our sponsor Sam Cohen at Attorneys First Insurance.  You can make the introduction at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    Another great way to support the show is to order my second book (it's a free download) at www.ShawnMYesner.com/BecomeDebtFree 

  • Top 5 Myths about the Freddie Mac Exclusionary...Episode 277:Top 5 Myths about the Freddie Mac Exclusionary...

    Being on the Freddie Mac Exclusionary List is a bad thing. It means you are unable to participate in any real estate transaction where Freddie Mac is a party.

    Mostly, this impacts Realtors, Mortgage Originators, Title Companies and Title Attorneys, inspectors and appraisers.

    However, we've seen this impact real estate investors and other people simply trying to buy a house using Freddie Mac financing.

    In today's episode, I talk about five (5) myths people have around the Freddie Mac List, including:

    1. Being on the List means I've committed a crime;
    2. Freddie Mac shares my information with other lenders;
    3. The List will expire eventually;
    4. I was put on the List without due process; and
    5. Being on the List means I can't do closings.

    Learn why these are all myths.  You can read the corresponding blog here: Top 5 Myths About The Freddie Mac Exclusionary List (yesnerlaw.com)

    You can also hear more information about the Freddie Mac Exclusionary List in Episodes 32, 83, 132, 134, 179 and 262 of the Podcast.

    Please also support our sponsor Sam Cohen by referring him a title company or attorney in need of malpractice insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

  • Monthly Passive Income Through Tax DeedsEpisode 276:Monthly Passive Income Through Tax Deeds

    Do you want to buy properties for pennies on the dollar?

    Do you want to create consistent cash flow buying, selling and renting properties?

    Do you want to quit your job?

    This week's guest on the Crushing Debt Podcast is coach, mentor, trainer and real estate investor Todd Ashton.

    We talk about:

    • How to get started in real estate;
    • Strategy of buying, selling and holding tax liens;
    • Its all about control;
    • How to scale up; and
    • Other related issues.

    You can reach Todd at 801-3581496, ToddAshton@gmail.com or www.TaxLienAlliance.com.

    You can also connect with Todd on social media - Instagram, LinkedIn and YouTube.

    Please remember to support our sponsor Sam Cohen by introducing him to a Florida or Texas attorney that needs a realistic, apples to apples quote on malpractice insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Once you've become debt free by investing in tax deeds, you can get tips to stay debt free by getting my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree. 

  • Bitcoin UnbankerEpisode 275:Bitcoin Unbanker

    Do you know the banking aspects of digital currency?

    Are you a company that wants to accept payment in bitcoin or alt coins?

    Are you a business leader who wants to learn more about wholesale banking and how it relates to your business and business processes?

    Do you want to provide your customers with the best solutions for their businesses or personal needs?

    This week's guest on the Crushing Debt Podcast, is Rich Foster of E2E Blockchains, LLC.  After more than 20 years in bank operations, financial service sales and Central Bank operations, Rich formed E2E Blockchains LLC to create applications End to End throughout the blockchain ecosystem, becoming the unbanker!

    I met Rich at the Florida Bitcoin and Blockchain Summit a few weeks back and we discuss the basics of wholesale banking, blockchain, wallets. crypto currency, the possible regulation of bitcoin, digital fiat currency based on the Central Bank, and Ethereum.

    Some resources Rich mentions (please do your own research before investing in bitcoin):

    You can contact Rich at info@e2eblockchains.com or visit his website at www.e2eblockchains.com.

    Please also support our sponsor, Sam Cohen of Attorneys First Insurance by referring him an attorney or title company you know in Florida or Texas, who is up for renewal of their malpractice policy.  You can reach him at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Once you're out of debt, an investment in bitcoin may be a great idea (after you do your research).  To become debt free or stay debt free, check out my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

  • Is Crypto Currency the Future of Money?Episode 274:Is Crypto Currency the Future of Money?

    What is blockchain technology? Does blockchain have any application outside of crypto currency?  What is crypto currency?

    Can investing in Bitcoin or Alt Coins (like Ethereum, Dogecoin, etc) help you eliminate your debt?

    This past weekend, I attended the Florida Bitcoin and Blockchain Summit and it was amazing.  There were many sessions dealing with Bitcoins and other Alt Coins, but there were also sessions dealing with blockchain technology alone. Blockchain is the technology upon which bitcoin is based, but it has uses outside of virtual money, such as Mortgages, Title Insurance, Recording, Produce, and almost anything else that can be monitored and tracked.

    However, most people use the technology for bitcoin, so I also go over many of the terms or language that you'll hear on your crypto-journey, like HODL, DeFi, NFT, Wallets, Fiat, Forks, Hash, Halving, Mining, Node, Key & Smart Contract.

    Definitely do your own research before investing in anything. I plan to do mine, and will bring you along with me in this journey in future episodes of the show!

    Please support our sponsor, Sam Cohen of Attorneys First Insurance, who writes errors and omissions insurance (malpractice insurance) for attorneys and title companies.  If you know an attorney or title company, an introduction to Sam would be most appreciated, at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Whether you want to use bitcoin to become debt free, or you're already debt free and looking at bitcoin as an investment, please get my latest book, for free, at www.ShawnMYesner.com/BecomeDebtFree 

  • Nine Ways To Get Out of DebtEpisode 273:Nine Ways To Get Out of Debt

    Do you feel forever stuck in debt?

    Do you feel stuck on a "hamster wheel"?

    Do your monthly payments barely pay interest and make no dent in principal?

    Over the course of the Crushing Debt Podcast, I've talked about different ways to eliminate debt. In today's episode, I talk about nine strategies that have worked for my clients to eliminate debt.

    Did I miss any strategies? Are there any that you have used successfully? Please let me know in the comments.

    Please also support our sponsor Sam Cohen at Attorneys First Insurance by referring a title company or attorney to him for a malpractice insurance quote - Sam@AttorneysFirst.com or www.AttorneysFirst.Com.

    Many of the techniques in today's episode can be found in my second book, which you can get for free at www.ShawnMYesner.com/BecomeDebtFree 

  • Feng Shui to Crush DebtEpisode 272:Feng Shui to Crush Debt

    Learn how to eliminate debt by moving a houseplant from one part of your house to another!

    This week's guest is Patricia Lohan, Feng Shui expert, manifesting magnet, alchemist, healer, spiritual nomad, and real-life Irish Celtic Shaman. Some people call her the “Mary Poppins of Prosperity, Abundance & Peace of Mind.”

    I had so much fun in this interview that I joke about what Feng Shui is, and I now understand that Feng Shui is more than moving around furniture to activate the law of attraction. It can help fix the energy of your home to allow in abundance.  Feng Shui is the "accupuncture for your environment" and translates to "good health" or "good wealth."

    Some simple steps that you'll hear in today's episode:

    1. Remove anything broken from your home.
    2. Fix any "leaks" (whether water, or in your wallet).
    3. Pay attention to what your wallet looks like.
    4. Have "fresh eyes" look around your home.

    You can find Patricia at www.patricialohan.com/money. Please also subscribe to her podcast - Live Your Dreams Awake. And check out her book - The Happy Home.

    You can visit our sponsor, or refer a title company or attorney you know to Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    Find more tips to become and stay debt free at www.ShawnMYesner.com/BecomeDebtFree 

  • In Guns We TrustEpisode 271:In Guns We Trust

    What happens to your guns when you die?  What if the person who will inherit your guns is ineligible to own a gun - a minor, a convicted felon, or someone else?

    Our guest on this week's episode of The Crushing Debt Podcast is attorney Angela Tormey, owner of Ally Legal in Lithia, Florida.

    Angela focuses on probate and estate planning, with experience in Gun Trusts. In this week's episode, Angela and I talk about:

    • The differences between a Will and a Trust
    • What is Probate?
    • What is a Gun Trust and what is it used for?
    • And other related topics.

    You can reach Angela at Angela@AllyLegalFL.com or www.AllyLegalFL.com. 

    Please also refer an attorney or title company you know to our sponsor, Sam Cohen - Sam@AttorneysFirst.com or www.AttorneysFirst.com.  That would be a great way to support the show.

    If you want more information about how to get or stay debt free, pick up a complimentary copy of my second book at www.ShawnMYesner.com/BecomeDebtFree 

  • Do You Know Your Target Audience?Episode 270:Do You Know Your Target Audience?

    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 www.ShawnMYesner.com/BecomeDebtFree

    Please also support our show sponsor, Sam Cohen, by referring a title company or attorney to him at Sam@AttorneysFirst.com or www.AttorneysFirst.com 

  • Using The Law For Limitless LeverageEpisode 269:Using The Law For Limitless Leverage

    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 www.BravaLaw.com, Alexis@BravaLaw.com, Hello@BravaLaw.com, or 727-300-1990.

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

    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 www.ShawnMYesner.com/BecomeDebtFree.

     

  • Using Your Bookkeeper to Crush Your DebtEpisode 268:Using Your Bookkeeper to Crush Your Debt

    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 - www.clarityfinances.com.

    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 - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    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 www.ShawnMYesner.com/BecomeDebtFree 

  • I DonEpisode 267:I Don't Want Repeat Clients

    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: www.ShawnMYesner.com/BecomeDebtFree

    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.  Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

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

  • Crush Your Car Accident DebtEpisode 266:Crush Your Car Accident Debt

    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 www.kiwanismidnightrun.com.

    To contact Tom or Paula, or to learn more about them and their firm, visit www.RomanRomanLaw.com, you can find them on Facebook at Roman & Roman, you can email them at info@RomanRomanLaw.com, 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 - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    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 www.ShawnMYesner.com/BecomeDebtFree. 

  • Excuse Me MaEpisode 265:Excuse Me Ma'am, Your Wage Gap Is Showing

    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 - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    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 www.ShawnMYesner.com/BecomeDebtFree.

     

  • Thirteen Ways to Have a Successful Chapter 13Episode 264:Thirteen Ways to Have a Successful Chapter 13

    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. Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    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 www.ShawnMYesner.com/BecomeDebtFree. 

  • Stuck in a J.O.B.?Episode 263:Stuck in a J.O.B.?

    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. 

  • The Secret to Coming off The Freddie Mac...Episode 262:The Secret to Coming off The Freddie Mac...

    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. 

  • Can You Evict During a Pandemic? Episode 261:Can You Evict During a Pandemic?

    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. 

  • Your Image Impacts Your DebtEpisode 260:Your Image Impacts Your Debt

    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

     

  • Preventing Long Term Care DebtEpisode 259:Preventing Long Term Care Debt

    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 Ha@ChristieArkovich.com or visit her website at www.ChristieArkovich.com 

    Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    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: www.ShawnMYesner.com/BecomeDebtFree.

     

  • Debt During DivorceEpisode 258:Debt During Divorce

    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:

    Facebook:

    Instagram:

    LinkedIn: https://www.linkedin.com/in/shiobhanoliveroattorney/

    YouTube:

    Divorce Workshop: https://www.divorceworkshopfl.com

    Please also refer an attorney or title company to our long-time friend and sponsor, Sam Cohen of Attorneys First Insurance - Sam@Attorneysfirst.com, or www.attorneysfirst.com.

    If you are recently divorced and looking to become debt free, connect with me at www.ShawnMYesner.com/BecomeDebtFree

     

     

  • Go Focus YourselfEpisode 257:Go Focus Yourself

    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, www.ActionCoachTampaBay.com 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, Sam@AttorneysFirst.com or www.AttorneysFirst.com. 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 www.ShawnMYesner.com/BecomeDebtFree 

  • Personal Finances and Life EventsEpisode 256:Personal Finances and Life Events

    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 www.AngliaAdvisors.com for more information.

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

    Please also check out my new book for more ideas on making money and reducing expenses: www.ShawnMYesner.com/BecomeDebtFree 

  • Evictions, Foreclosures, Student Loans & Relief...Episode 255:Evictions, Foreclosures, Student Loans & Relief...

    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 www.YesnerLaw.com 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 Shawn@YesnerLaw.com.

    Please also refer an attorney or title company you know to our sponsor Sam Cohen - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

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

  • Out Of The Box GiftsEpisode 254:Out Of The Box Gifts

    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: www.InsteadOfFlowers.com. 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 - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    While they're eating a delicious meal, your recipient can also read my book to become debt free - www.ShawnMYesner.com/BecomeDebtFree. 

  • Networking Away DebtEpisode 253:Networking Away Debt

    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 www.BNI.com (or the Tampa Region at www.BNITampa.com), or follow his blog at www.IvanMisner.com. 

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

    Please also check out my free book on how to become debt free: www.ShawnMYesner.com/BecomeDebtFree. 

  • Top 52 Books to Crush Your DebtEpisode 252:Top 52 Books to Crush Your Debt

    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 www.AttorneysFirst.com, or Sam@AttorneysFirst.com.

    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? 

  • SMART Goals for Crushing DebtEpisode 251:SMART Goals for Crushing Debt

    As 2020 comes to a close, most people will set resolutions for 2021. I think setting resolutions is wrong.  I think people should set goals. Resolutions are rarely kept. Goals are accomplished.

    • How do you set goals?
    • What are SMART goals?
    • Should goals be framed in the positive or to avoid the negative?
    • What will you do to accomplish your goals in 2021?

    I've used these same systems for years to set and achieve my goals, like:

    • Reading 52 books in one year
    • Lauching www.ShawnMYesner.com/BecomeDebtFree
    • Writing and publishing Become Debt Free in Less than One Hour
    • Creating a Become Debt Free Community on Facebook, and
    • Losing over 50 lbs to get into better shape.

    Let me know what some of your goals are for 2021, and how I can help you accomplish those goals!

    One of my goals is to better support our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

     

  • Crushing Christmas Debt With SantaEpisode 250:Crushing Christmas Debt With Santa

    This week's guest on the Crushing Debt Podcast is very special. We needed to record a few days ago because he's preparing for a flight later today. My guest knows if you've been naughty or nice!

    I was introduced to this week's guest through my friend, Joe Cairns, who practices family law and helped my guest with his marital problems years ago.  Although he's a divorce attorney, Joe helped my guest salvage his marriage and we talk about those issues - as well as other debt-related issues that come up in divorce.

    You can contact Joe at Cairns@CairnsLaw.com or www.CairnsLaw.com. 

    If you haven't guessed by now, my guest on this week's episode is Santa Claus!

    Santa is good friends with our sponsor, Sam Cohen at Attorneys First Insurance. I'm sure Sam can tell you stories about Santa too, if you contact Sam at Sam@AttorneysFirst or www.AttorneysFirst.com.

    And, if you ask nicely, Santa can tell you where to get copies of my books, Crushing Debt, and Become Debt Free, as stocking stuffers (instead of coal).

    Thank you Joe for the information for this week's episode, although the interview of Santa is parody.

    Merry Christmas and Happy Holidays to all who celebrate from The Crushing Debt Podcast!

  • What do I Disclose When Selling Property?Episode 249:What do I Disclose When Selling Property?

    Imagine you've bought a home, likely the largest investment you'll ever make in your lifetime. The house is perfect: enough bedrooms for your kids to have their own space, great kitchen, master bedroom with walk-in closets, a yard outside with space to set up your grill and entertain, etc. You move in and things are great, for a few months. 

    Then you notice things start to go wrong. Something doesn't work quite right. Something is off.

    Then a major component goes bad: the electrical system, the plumbing, the roof, the air conditioning unit, or something else.

    Why didn't the seller disclose to you that something was wrong? Now, its going to be thousands of dollars to fix - thousands of dollars that you don't have because you just closed on the house?

    What do you do?

    Put the shoe on the other foot ... you love your house, but its time to sell and upsize or downsize.  Yes, the house has its quirks, but everything works fine.  You sign a contract with the buyer, they do their inspections, then you close.  You are sad to move, but excited about your new house and happy that the buyers love the house and will take care of it from here on out.

    Months later, you get a nasty letter from an attorney, or a call from your Realtor - the buyers are going to sue unless you pay thousands of dollars because you did not disclose some issue with the electrical system, the plumbing, the roof, the air conditioning unit, or something else.

    But, you argue, the Buyer did their inspections and you didn't know about the issue that may now form the basis of the lawsuit against you.

    What do you do?

    In this week's episode of The Crushing Debt Podcast, I discuss the seller's responsibility to disclose and how that is based on the Florida Supreme Court case of Johnson v. Davis, 480 So.2d 625 (1985).

    • Did the seller know of the issue?
    • Does it materially affect the value of the property?
    • Is it readily observable?
    • Is it unknown to the buyer?

    If all these facts are present, then the Seller must disclose the issue to the Buyer. Of course, if all these issues are present, there's one more factor - is the Buyer collectible?

    Please remember to refer our sponsor, Sam Cohen, to an attorney or title company you know so he can provide a quote on malpractice insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Remember, my second book, Become Debt Free in Less Than One Hour, is still free at www.ShawnMYesner.com/BecomeDebtFree. 

     

  • When You Can’t Pay Your MortgageEpisode 248:When You Can’t Pay Your Mortgage

    It seems like lenders grant or deny loan modifications at random, but there is a set of criteria that they follow, that until now has been a bit of mystery.

    Our guest on this week’s Crushing Debt Podcast, Sue Reynolds, a Realtor with Archer Realty, created a worksheet using the bank’s formulas to support when clients should qualify for a loan modification.

    Sue created the Homeowner Expense Analysis Worksheet to use as a supporting document in applications for loan modifications and short sales. The Expense Worksheet is a budget worksheet that helps predict when a modification should be denied or approved. Sue has allowed me to share the worksheet with you!

    Go to www.ShawnMYesner.com/ExpenseWorksheet to get your free copy. You can also contact Sue at Sue@ArcherRealty.us, or contact me at Shawn@YesnerLaw.com to learn how to use the worksheet and what to avoid when using the worksheet.

    In today’s episode, you’ll also learn what loss mitigation is and what they do.

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

  • Credit Coaching by KristiEpisode 247:Credit Coaching by Kristi

    Do you know the five factors that make up your credit score?

    Do you know what drops your score or how to improve your score?

    This week's guest on The Crushing Debt Podcast is Kristi Nowrouzi. "Credit Kristi" has been a mortgage loan officer for more than ten years and was a short sale negotiator at my previous law firm for four years. Kristi is a credit specialist and has seen thousands of credit reports and helped hundreds of families obtain their dream of home ownership. Kristi's passion is to teach and guide about the foundations of credit, which is vitally important to have and to protect.

    Kristi and I discuss:

    • Myths about credit
    • Why credit is so important
    • How to improve your credit score
    • How to re-establish credit after a bankruptcy
    • And more!

    You can contact Kristi at Questions@CreditKristi.com and subscribe to her podcast Credit Coaching by Kristi.

    Please introduce our sponsor to attorneys and title companies you know - Sam@AttorneysFirst.com and www.AttorneysFirst.com.

    If one of your 2021 goals is to become debt free, please visit www.ShawnMYesner.com/BecomeDebtFree. 

  • There is Plenty to be Thankful For! Episode 246:There is Plenty to be Thankful For!

    This has been an unprecedented year, filled with highs and lows. 

    The year will, unfortunately, be defined by a global pandemic that has taken countless lives and affected each and every one of us.

    But today, on Thanksgiving, we want you to take a step back, take a break, and consider all you have to be thankful for. While we've all suffered hardship and loss this year, the purpose of The Crushing Debt Podcast is to provide a sense that "everything will be okay."

    As with previous years, today I look back since last November on all that I have to be thankful for. What do you have to be thankful for this year? 

    In addition to everything else, we are very thankful for our sponsor Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com, www.AttorneysFirst.com. 

  • Saving Money by Using a Property ManagerEpisode 245:Saving Money by Using a Property Manager

    What do you do best?

    If you own investment property and your answer is anything other than "property management" then this episode of the Crushing Debt Podcast is for you.

    In today's episode, I interview Mark Sorokurs of Central Pinellas Realty and Collman Properties. I've known Mark about five years and he's been in real estate for about eight years now after "retiring" from IT in 2012.

    Mark and I discuss:

    • What is property management?
    • Why would someone need or want to hire a property manager?
    • How do property managers save their clients money?
    • How property managers can help find and screen tenants?
    • The impact of COVID on finding (and removing) tenants?
    • What happens when things go wrong with a tenant?
    • What happens when the tenant owes more at move-out than the amount of the security deposit?
    • Craziest property management story, and more!

    You can reach Mark at www.centralpinellasrealty.com, www.collmanproperties.com, and office@collmanproperties.com. 

    You can pick up a FREE digital copy of my latest book at www.ShawnMYesner.com/BecomeDebtFree 

    Remember to refer our sponsor to an attorney or title company you know - Sam@AttorneysFirst.com or www.AttorneysFirst.com

  • Become Debt Free in Less Than One HourEpisode 244:Become Debt Free in Less Than One Hour

    Imagine coming home from work and having to tell your spouse that he/she HAS to go back to work to make ends meet.

    Unfortunately, that's where I found myself a few years ago.

    In 2008, I left the first firm I first founded to start Yesner Law, from scratch, again. This time, however, I had an established network and knew a little about how to generate referrals.

    Still, I needed to find a way to have more money at the end of the month, rather than more month at the end of the money. One of the ways I did that was to start this podcast, write my first book - Crushing Debt: 9 Strategies to Eliminate Financial Bullies - and then my second book - Become Debt Free in Less Than One Hour.

    Come on!  Can you really become debt free in less than one hour? No - but the strategies in my new book can be implemented in less than one hour and, over time, can create the income you need to pay off your debt!

    Strategies like:

    • Getting Educated about your Credit Score;
    • Creating a Budget
    • Getting Good Habits about Money
    • Decreasing Your Taxes
    • Starting a Side Hustle
    • Selling Products
    • Reducing Expenses
    • Negotiating with Creditors

    You can get your FREE copy of my newest book at www.ShawnMYesner.com/BecomeDebtFree

    Please also remember our sponsor, Sam Cohen at Attorneys First Insurance, Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

  • The Return of Short Sales?Episode 243:The Return of Short Sales?

    Florida had a moratorium on evictions and foreclosures. That moratorium ended with some controversy, but ultimately was not renewed because the Federal Government also has a moratorium in place; evictions potentially halted by the CDC and foreclosures of federally-backed mortgages halted by the CARES Act.

    At some point, tenants will have to pay rent again, and homeowners will have to pay mortgage payments again. None of the moratoriums, state or federal eliminate the obligation to pay.

    When that day comes, will the tenants / borrowers be able to pay?

    In this week's episode of The Crushing Debt Podcast, I interview Brenda Kennedy, a licensed real estate and short sale specialist with over 14 years' experience. Brenda is a Tampa native, offering a wealth of knowledge and experience working with sellers. In fact, Brenda modified her own loan with Bank of America in the last market crash!

    Brenda and I discuss:

    • Association foreclosures
    • Forbearances
    • Foreclosures
    • Both state and federal moratoriums
    • Subordinate (second) mortgages
    • Relocation incentives
    • Brenda's craziest short sale story
    • and more!

    You can reach Brenda at Brenda@KennedyHomeSales or 813-732-9593.

    Please also refer our sponsor to an attorney or title company that you know - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    If your goal in 2021 is to become debt free, start with my newest book, Become Debt Free in Less Than One Hour, which you can pick up at www.ShawnMYesner.com/BecomeDebtFree! 

  • Make More Money Through MastermindsEpisode 242:Make More Money Through Masterminds

    Have you engaged your Information Network?

    How do you create a Support Network?

    Do you feel like your business is struggling as a result of the pandemic? Could you use some outside opinions to help kick-start your revenue?

    What would your business look like if you could: (1) make your business #1 in your industry, (2) have fun with your peers and mentors, (3) create lasting relationships to help you solve your most burning questions, and (4) create systems to catapult your business to new levels of income?

    In this week’s episode, I interview Tiffanie Kellog and Tom Fleming of Asentiv, as we discuss Asentiv Mastermind Communities.

    Both are repeat guests on the show.

    For the last 15 years, Tiffanie has been helping people save time, make money, while having fun. She is the author of three books, she’s nerdy, and she loves craft beer and socks!

    Tom has been coaching individual business owners and groups for more than 20 years. He has literally facilitated thousands if not tens of thousands of meetings. Tom is an expert at asking the right questions that allow people to reach their own conclusions on a path to self-discovery for he believes “For your business to grow, you must grow.”

    In today’s episode, Tom, Tiffanie and I talk about:

    • What is Asentiv
    • How did this idea of a Mastermind Community start
    • What is the Goal of the Mastermind Community
    • What are the different types of Masterminds offered
    • People, Programs and Progress
    • Some breakthrough results already created by Asentiv Masterminds
    • The timing, and investment of the Mastermind Community, and
    • Other perks of being a part of the Community.

    For more information, and to register for an upcoming Mastermind, please visit www.Tampa.Asentiv.com/AMC

    Of course, also refer our sponsor, Sam Cohen at Attorneys First to an attorney or title company that you know - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Remember, you can get a FREE copy of my latest book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree. 

  • Better Negotiation with the Right ApproachEpisode 241:Better Negotiation with the Right Approach

    When negotiating, do you make the first move, or wait for your counterpart to offer first?

    When selling, do you ask the prospect how you can help, or let them window shop?

    Every six (6) months, my community association has a garage sale. Since garage sales are low-intensity sales negotiations (for most) I use the time to practice a sales or negotiation skill. If I miss, I'm out a few bucks, or I don't make a sale of a few bucks, max.

    You can hear previous "garage sale" episodes like:

    • 68 - Negotiation
    • 86 - Presentation
    • 118 - Patience
    • 168 - Preparation

    What is your "Approach" when selling or negotiating? That's the subject of this week's episode.

    Please remember to visit our sponsor, Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.Attorneysfirst.com

    If you enjoy this content, please share on social media, and if you want tips to increase your revenue and decrease your expenses, all to eliminate debt, please visit www.ShawnMYesner.com/BecomeDebtFree 

  • A Facet of Real Estate Investing You HavenEpisode 240:A Facet of Real Estate Investing You Haven't...

    Do you know how to buy property for a fraction of its value?

    This isn't some late-night infomercial scam - this week's guest on the Crushing Debt Podcast is Melanie Finnegan of Tax Lien Wealth Solutions, who helps her clients buy tax deed properties.

    Tax Deed investing is a great strategy because:

    • You get reimbursed your investment plus some rate of interest, or
    • You get property at a fraction of its value, and
    • Tax Deeds are (check the laws in your state) superior to all other liens including mortgages, judgments, and association liens.

    Melanie started her career in tax liens in 2008, perfected her strategies in 2013, and started Tax Lien Wealth Solutions in 2017 with the purpose of adding value, building relationships, and teaching her clients how to put their money into this investment vehicle as a winning strategy.

    Melanie is the first female to become a certified tax lien professional by the National Tax Association.

    You can visit Melanie's website at www.taxlienwealthsolutions.com or watch their introduction to tax lien video at  https://youtu.be/2Vowd5emhJg

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

    You can find other strategies to increase income and decrease expenses in my newest book, Become Debt Free in Less Than One Hour, at www.ShawnMYesner.com/BecomeDebtFree. 

  • Eviction and Foreclosure Freezes Due to COVID-19Episode 239:Eviction and Foreclosure Freezes Due to COVID-19

    Is there a tidal wave of evictions and foreclosures coming in Florida?

    Recently, Florida's Governor DeSantis refused to extend an Executive Order that put a freeze on foreclosures and evictions in Florida, where the payment default was due to a loss of income caused by COVID.

    What can someone do who is in fear of being able to pay their bills due to a loss of income caused by COVID?

    This week's guest on the Crushing Debt Podcast is attorney Bryant Dunivan of Owen Dunivan. Bryant focuses his practice primarily in the fields of Debtor’s Rights including Foreclosure Defense, Bankruptcy, Fair Debt Collection violations, Fair Credit Reporting violations, and Credit Card/Debt Negotiations. 

    Bryant and I talk about the various federal laws that exist that provide protection for borrowers, homeowners, tenants and landlords due to the Coronavirus including: 

    • Real Estate Settlement Procedures Act (RESPA)
    • Truth In Lending ACT (TIL or TILA)
    • CARES Act
    • CDC Orders & Guidelines

    For someone afraid of losing their home or being evicted, please reach out to Bryant or to me to understand your rights during this pandemic.

    Bryant can be reached at www.OwenDunivan.com or BDunivan@OwenDunivan.com. 

    Please also visit our sponsor if you are an attorney or title company who wants a competitive quote on malpractice insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Finally, to find 30+ ideas on how to increase income, decrease expenses, and become debt free, please go to www.ShawnMYesner.com/BecomeDebtFree to get a FREE copy of my newest book - Become Debt Free in Less Than One Hour!

  • The Student Loan LawyersEpisode 238:The Student Loan Lawyers' Guide to Understanding...

    What type of student loan do you have? Federal? Subsidized? Unsubsidized? Private?

    What repayment options are there? Consolidation? PSLF? IDR? Settlement?

    Can a bankruptcy discharge student loans and what are the options available in bankruptcy court?

    This week's guest on the Crushing Debt Podcast is Joshua Cohen, the Student Loan Lawyer. Joshua's practice is focused solely on Student Loan resolutions. Today marks the release of his book, The Student Loan Lawyers' Guide to Understanding Student Loans in Plain English.

    You can pick up a copy of Joshua's book on Amazon, or at www.TheStudentLoanLawyer.com/the-student-loan-lawyers-book.

    Joshua and I discuss:

    • The beta program here in Tampa Bankruptcy Court to resolve student loans in bankruptcy court;
    • What is a PSLF (Public Service Loan Forgiveness) Loan;
    • What is an IDR (Income Driven Repayment);
    • How student loan repayments have been impacted by COVID and the CARES Act;
    • In-roads into bankruptcy dischargeability brought about by some recent case law; and
    • Student loan servicer sanction cases.

    Finally, if you want to know what type of student loan you have, which often drives your available workout options, we have a website for you (but you have to listen to the episode to get it).

    Please remember to visit our sponsor, Sam Cohen, if you are an attorney or title company that wants a competitive, realistic, apples-to-apples quote on malpractice insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    Some of these strategies discussed in this episode are also available in my new book, Become Debt Free in Less than One Hour, which is available at www.ShawnMYesner.com/BecomeDebtFree 

  • Using Social Media to Get Out of DebtEpisode 237:Using Social Media to Get Out of Debt

    Does your social media generate massive engagement and sales on demand?

    Do you have access to any social media influencer with a simple call, text or email?

    Can you create your own celebrity?

    Or do only your friends and family engage on your social media? 

    Today's guest on the Crushing Debt Podcast is best-selling author, speaker, consultant, tech expert, advisor, CEO, entrepreneur and master connector, Ken Walls.

    Ken uses live streaming and social media to develop build and grow:

    Ken Live Streams every day and has used that to grow his businesses, make connections, and become a celebrity! You'll hear in today's episode how Ken used Social Media to become friends with and a vendor for Grant Cardone!

    You can register for Stream Yard using Ken's affiliate link - www.GetStreamYard.com 

    Please refer an attorney or title agent you know to our sponsor, Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    If you want to become debt free in less than one hour, please visit www.ShawnMYesner.com/BecomeDebtFree. 

  • Invite More Money to Flow Into Your LifeEpisode 236:Invite More Money to Flow Into Your Life

    Do you feel like you have so much debt, you'll never dig yourself out?

    You can control the amount of money you make simply by adjusting your mindset around money!

    This week's guest on the Crushing Debt Podcast is Jacquelynn Peterson, a 20-year corporate veteran turned Joy and Purpose Advocate. Jacquelynn is an entrepreneur, speaker, visionary, and founder of Joyful Living Mindset.

    You can reach Jacquelynn at:

    Jacquelynn and I discuss:

    • The art of surrendering in order to achieve debt-free living
    • Money Mindset
    • Money as a circulation of energy
    • Creative purpose of money
    • Clarity to improve your money situation
    • Strategies to invite money to flow into your life
    • Aligning your life with your vision
    • The money catch-22 cycle
    • Practicing self-care
    • How Jacquelynn climbed out of over $150,000 of debt!

    Please remember to visit our sponsor at sam@AttorneysFirst.com, or www.AttorneysFirst.com. 

    For more information about how to become debt free, please visit www.ShawnMYesner.com/BecomeDebtFree 

  • Build Your Way Out Of DebtEpisode 235:Build Your Way Out Of Debt

    You can build the business and the life you want!

    For two years, Steve Larsen was the Lead Funnel Builder at ClickFunnels for Russell Brunson, and put over 500 sales funnels under his belt, eventually earning a "Two Comma Club" award (a funnel that made over $1,000,000).

    I recently launched my funnel, www.ShawnMYesner.com/BecomeDebtFree after taking the One Funnel Away Challenge (this is my affiliate link) with Steve as one of our coaches. Thanks to all of you who supported the funnel, we're helping people to get out of debt and I've hit the "One Comma Club" (over $1,000 generated from the funnel).

    In today's episode, I interview Steve and his energy is infectious!

    How did he feel using funnels to "bootstrap" his way to the event that introduced him to Russell?

    What is it like to get that first subscriber, first sale? What about the 1,000th?

    Learn the tips that Steve uses to discover his strengths and how he determines the next funnel or project.

    You can find Steve at www.SteveJLarsen.com, and listen to his new Launch For Profit Podcast.

    Finally, what would you do if you knew that you could not work after the next 90 days and you had to make one final offer to sustain your business moving forward? That is Steve's Your Final Offer course, which you can find at www.YourFinalOffer.com 

  • How to Discharge Student Loans During COVID19Episode 234:How to Discharge Student Loans During COVID19

    Have you lost your job because of COVID?

    Worried about Student Loan Collections?

    Or are you able to super-charge payment of your student loan debt?

    On this week's episode of The Crushing Debt Podcast, we have a returning guest, Christie Arkovich to talk about the different options available to address your student loans during COVID, like:

    • Pay down your student loans while they incur NO INTEREST;
    • Ask for a Total Permanent Disability forgiveness; or
    • Discharge Private Student Loan Debt.

    You can contact Christie at www.ChristieArkovich.com or Christie@ChristieArkovich.com. 

    Remember, Become Debt Free has launched. Get your FREE copy of my second book at www.ShawnMYesner.com/BecomeDebtFree !!

  • Should You Hire A Debt Settlement CompanyEpisode 233:Should You Hire A Debt Settlement Company

    Debt settlement companies advertise that they can eliminate your debt for a fraction of what you owe, so should you hire one?

    Certainly there are great debt settlement companies out there, and we get great referrals from them. Most debt settlement companies, however, can be a scam.

    In this week’s episode of the Crushing Debt Podcast, I answer the following questions:

    • What percentage should you expect to pay to settle your credit card debt?
    • Is it better to settle your debt or pay it in full?
    • Should you negotiate with your creditors yourself, or use a professional?
    • What are the best tactics to use for specific credit cards?
    • How does debt settlement affect your credit score?

    Please visit our sponsor, Sam Cohen, of Attorneys First Insurance at www.attorneysfirst.com.

    Please also visit our new website to subscribe to the show - www.ShawnMYesner.com/subscribe 

  • What Really Happened?Episode 232:What Really Happened?

    A short episode this week, but I also posted a "Trailer" Episode for the podcast yesterday, so you get two shorter releases this week. At the same time, I only want to create great content for you regardless of length!

    This week's episode is part of a project that I worked on for the One Funnel Away challenge - The Origin Story for Yesner Law. I've told parts of this story within the podcast and on other podcasts, but never as raw as you're going to hear it this week.

    My hope is that you take away some do's and don'ts, and gain a little insight into how and why I started the law firm.

    Speaking of the One Funnel Away Challenge, start to look for other products I created to help people Become Debt Free - those should be rolling out in the coming weeks.

    For those that subscribe already, thank you!

    For those who are listening to this episode on the internet, I built a link for you to easily subscribe to the show on your favorite podcast player at https://www.ShawnMYesner.com/Subscribe

    If you want to support the show, please share that "subscribe" link with one other person, either by email or on social media.

  • Become Debt Free With Profit FirstEpisode 231:Become Debt Free With Profit First

    After reading Profit First, my mindset around money, cash flow and profit changed forever!

    On this week's episode of The Crushing Debt Podcast, I interview Mike Michalowicz (mi-KAL-o-wits),  the author of Profit First, Clockwork, Surge, The Pumpkin Plan, and his newest release Fix This Next. By his 35th birthday, Mike had founded and sold two companies - one to private equity and another to a Fortune 500. Today he is running his third multi-million dollar venture, Profit First Professionals.

    Mike is a former small business columnist for The Wall Street Journal and the former business makeover specialist on MSNBC. Over the years, Mike has traveled the globe speaking with thousands of entrepreneurs, and is here today to share the best of what he has learned.

     Mike and I discuss:

    • The impact of COVID-19 on the Profit First System,
    • How PPP and EIDL Loans impact the Profit First System,
    • The importance of having multiple bank accounts,
    • His best success story of someone who used Profit First to avoid bankruptcy, and
    • Fix This Next

    Please visit our sponsor, Sam Cohen of Attorneys First Insurance for any questions regarding E&O Professional Liability Insurance for attorneys and title companies - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    If you enjoyed this interview, please use the links above to view and buy Mike's books. 

    You can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • How Are Your Kids Going Back To School? Episode 230:How Are Your Kids Going Back To School?

    Are you sending your kids back to school in person? 

    Are you sending your kids to a pod or daycare for e-learning or distance learning?

    Are you keeping your kids home for e-learning?

    Regardless, it is not an easy decision, and one that affects your kids, our teachers, our school support staff and school administrators.

    This week's guest on The Crushing Debt Podcast is Kellyann Goring, a former elementary school teacher with 22 years' experience who took early retirement and started www.Home2SchoolConnection.com to help parents and students understand how to successfully homeschool, distance learn, and go back to class in person.

    Kellyann and I discuss:

    • The Students' Needs: social, emotional, academic, accountability and consistency.
    • The Teachers' Needs
    • Learning Pods
    • Daycare vs. In-class instruction
    • Classroom protocols, including recess and class size

    You can reach Kellyann at the website above or by email at Kellyann@Home2SchoolConnection.com.

    Please also visit our sponsor, Sam Cohen at Attorneys First Insurance if you are an attorney or title company that needs to buy or renew your professional liability insurance: Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    Let me know if you're sending your kids back to school, sending them to daycare or a pod, keeping them at home, or some other option: Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Emotional Support Peacocks?Episode 229:Emotional Support Peacocks?

    Do you have an emotional support animal? Do you have a Service Animal?

    Do you know the difference between an emotional support animal and a service animal?

    This week's guest on The Crushing Debt Podcast is Attorney April Goodwin of The Goodwin Law Firm.  April focuses on Pet Law, including:

    • Pet Lemon Law
    • Representing Vets, Boarders and Breeders
    • Defending Dog Owners
    • Representing Owners against Animal Control
    • Advising Homeowner and Condominium Associations on emotional support animal and service animal laws and regulations
    • Pet Custody Disputes

    April also represents employers in employment law matters.

    If you have questions for April you can reach her at April@Goodwin-Firm.com or www.Goodwin-Firm.com. 

    Please also visit our sponsor Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    If you enjoy the content, please share this episode with someone you know. If you have questions for me - Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Secrets to Increasing Cash Flow and ProfitEpisode 228:Secrets to Increasing Cash Flow and Profit

    Do you want to learn proven secrets to grow your business into the top 4% of all businesses in your area?

    Do you want to grow your company to be present in 48 states and Canada, with locations in multiple countries?

    Do you want to build and semi-retire from multiple businesses?

    Do you want to work with family? 

    Do you want to create a legacy?

    Do you want your company to grow by more than 35%?

    Today’s Crushing Debt Podcast Episode is my interview of Greg Winteregg, who did all of these things with him Dental Practice, his Dental Practice Management Company, and now his new business, Matterhorn Business Development.

    Learn the secrets directly from Greg that allowed him to grow his company, mentor his clients to grow exponentially, and write a book.

    Greg discusses the Four Pillars of Business Basics, and his processes that help him mentor his clients to an average 35% growth in their first year working with him!

    You can contact Greg at Greg@MatterhornBizDev.com, or visit his website at www.MatterhornBizDev.com. 

    You can pick up a copy of Greg’s book Fun At Work on Amazon.com.

    Please remember our sponsor, Sam Cohen at Attorneys First Insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    If you enjoy the content, please share with friends, family and on social media.

    Contact me with questions at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Using Bank Products to Pay Down DebtEpisode 227:Using Bank Products to Pay Down Debt

    You can use bank products to pay down debt and increase your credit score!

    Do you want to learn:

    • What term length loan should you sign when buying a house or a car?
    • How much interest rate REALLY matters?
    • How to structure your finances during this global pandemic?
    • Budgeting when you make a ton of money in one month and not as much the next (variable income)?

    This week’s Crushing Debt Podcast episode is my interview with Christine Peters of www.CornerstoneMoneyCoach.com. 

    Christine’s mission is to help people manage their personal finances and achieve their financial goals without the stress and frustration.

    Christine uses goal setting, budgeting, monitoring and accountability to help her clients.

    One thing that we discuss, that impressed me is that Christine paid off SIX FIGURES OF DEBT in THREE YEARS!

    You can contact Christine at Christine@CornerstoneMoneyCoach.com.

    If you are a title company or attorney, please contact our sponsor - Sam Cohen at Attorneys First Insurance for a free, non-salesey quote.  Sam@AttorneysFirst.com or www.AttorneysFirst.com.

    I would appreciate if you comment on one thing that you learned, or what you enjoyed about this podcast episode! If you want to contact me directly - Shawn@YesnerLaw.com or www.YesnerLaw.com 

     

  • How Home Title Theft Works, A Case StudyEpisode 226:How Home Title Theft Works, A Case Study

    For those who think Home Title Theft cannot happen, or will not happen to them, listen to this week's episode!

    Jennie Restrepo, the Director of Implementation for Fraudshine State discusses the case of Linda Cleland, who was evicted from her free and clear childhood home in 2014.

    Ms. Cleland was homeless for seven months and, after a three-year battle finally unwound the theft of her home and got back the title to her house.

    The person who committed this crime served an eight-year prison sentence and then will serve fifteen years probation, but the hardship on Ms. Cleland was immeasurable.

    Title insurance did not help her, the clerk of the court did not help her, and even the police were powerless to help Ms. Cleland.

    Ultimately, the County prosecuting attorney was able to successfully record a document in the County public records to unwind all of the damage (including deeds and mortgage documents for many other people and properties, including Ms. Cleland).

    Visit www.fraudshinestate.com/checkhere for your free title evaluation.  You can then sign up for Fraudshine State's monthly monitoring service, or their firewall protection. 

    Fraudshine might have prevented the loss of Ms. Cleland's house, had it existed back in 2014.

    If you think something has happened to the title to your house, contact my office for a free consultation or a connection to a local attorney who may be able to help you - Shawn@YesnerLaw.com or www.YesnerLaw.com.

    If you are an attorney or title agency, please also visit our sponsor Sam Cohen at Attorneys First Insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com 

  • Home Title Theft is RealEpisode 225:Home Title Theft is Real

    Is your home protected from being stolen?

    Did you know that someone can forge documents, record them in the County public records, then evict you from your home, and that is NOT covered by your title insurance policy!

    Your home owner's insurance policy won't protect you from your house being stolen!

    The Clerk of Court will allow the criminals to record fraudulent documents (although unintentionally as the Clerks do not check the documents for fraud)!

    Even the police won't protect you from the criminal(s) that want to steal your house!

    How do you protect yourself and your family?

    Listen to this week's episode of The Crushing Debt Podcast with our friend, Kevin Overstreet, of Insured Title Agency, Synergy Title,  Become a Better Agent, and Fraudshine State.

    Kevin is a 22-year veteran of the title insurance industry, starting his career in the Midwest before moving to Florida 15 years ago.

    Kevin is the founder of Fraudshine State, an initiative to rid Florida of the criminals that use title fraud to steal your home. Visit www.fraudshinestate.com/checkhere to get your free report, and from there you can sign up for monthly monitoring of all public records related to your home. You can also order Fraudshine's firewall protection.  Learn more at Fraudshine State! 

    You can also email Kevin at Info@Fraudshine.com

    Also visit our sponsor, Sam Cohen at Attorneys First Insurance at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

    If you find you have been the victim of title fraud or title theft, email me at Shawn@YesnerLaw.com or visit our website www.YesnerLaw.com. We can help victims of this crime to help them get their house back.

  • The Short Term Retirement ProgramEpisode 224:The Short Term Retirement Program

    Are you tired of living paycheck to paycheck?

    This episode of the Crushing Debt Podcast will show you how to pay off your home mortgage in less than 10 years!

    You can buy real estate, a second home, or a vacation home with no background in real estate investing!

    Learn how 30-year mortgages are akin to "financial prisons."

    This week's guest is Robert Feol, who wrote the book "The Short Term Retirement Program: Break Out of Your Financial Prison." The tactics Robert writes about in his book show you how to accomplish anything you want financially through investment in real estate. This is not a book about flipping properties. It is a textbook on accumulating wealth.

    You can reach Robert at RobertFeol@gmail.com. or visit his websites: www.ShortTermRetirement.com or www.DiscountPropertyWarehouse.net.

    You can pick up the book here: https://www.amazon.com/Short-Term-Retirement-Program-Financial-Prison-ebook/dp/B083G68S45/ref=sr_1_1?dchild=1&keywords=The+Short+Term+Retirement+Program&qid=1592927005&sr=8-1

    The book has picked up multiple accolades, including:

    • #1 in Personal Money Management (USA)
    • #1 in Real Estate Investments (USA)
    • #1 in Budgeting & Money Management (USA)
    • #1 in Personal Finance (USA)
    • #1 in Business & Investing (USA)
    • #1 in Real Estate (USA)
    • #2 in Investing (UK)
    • #1 in Private Wealth Management (Germany)
    • #4 in foreign language about economy (Germany)
    • #1 in investing (Germany)
    • #1 in Investing (France)
    • #1 in Budgeting & Money Management (France)
    • #1 in Budgeting & Money Management (Canada)
    • #1 in Investing (Canada)
    • #3 in Investments (Books) (Mexico)
    • #7 in Personal Money Management (Books) (Mexico)
    • #1 in Real Estate Investments (Books) (Mexico)
    • #1 in Real Estate Investments (AUS)
    • #2 in Personal Money Management (AUS)

    You can also reach me with any legal questions related to real estate acquisition at Shawn@YesnerLaw.com or www.YesnerLaw.com.

    If you are an attorney or title company, also visit our sponsor, Sam Cohen at Attorneys First Insurance for any malpractice insurance coverage questions: Sam@attorneysfirst.com or www.AttorneysFirst.com. 

  • The Secret to Using Old Jewelry to Crush Your DebtEpisode 223:The Secret to Using Old Jewelry to Crush Your Debt

    Do you have old jewelry laying around?

    Maybe a ring from your ex that you want to put to good use?

    Maybe a piece from your childhood that no longer fits?

    Do you have debt that you want to eliminate?

    This week’s episode is my interview with Julie O’Brien, a GIA Graduate Gemologist with Les Olson Jewelers. You can reach her at JulieMyJeweler@gmail.com or www.LesOlsonJewelers.com. 

    How can you use Julie to value jewelry for a bankruptcy, probate or divorce?

    What types of jewelry will Jewelry value (gold, silver, diamonds,  gems, stones)?

    Can Les Olson buy your high-end watches?

    How can Julie help convert your jewelry to cash so you can pay expenses, pay creditors, or pay emergencies?

    You don’t need to visit Julie in person. She can convert your jewelry to cash using a secure system that doesn’t require you to go into the store!

    Please also visit our friend and sponsor Sam Cohen with Attorneys First Insurance - Sam@attorneysfirst.com or www.attorneysfirst.com - if you need malpractice coverage for your law firm or title company.

    If you have questions about bankruptcy or want to make your creditors go away, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. If you want to value jewelry for probate or divorce purposes, please reach out. We can connect you to Julie, and to probate or divorce attorneys who can help!

     

  • What is E&O Insurance?Episode 222:What is E&O Insurance?

    In this week's episode of The Crushing Debt Podcast, we talk about professional liability insurance, malpractice insurance, errors & omissions insurance, and E&O insurance with our friend, show sponsor, and referral partner, Sam Cohen of Attorneys First Insurance Agency.

    Sam and I talk about a variety of topics including:

    • The differences between professional liability, malpractice, errors & ommissions and E&O insurance;
    • Should a lawyer buy malpractice insurance;
    • Should an attorney in Florida forgo coverage;
    • What makes Attorneys First different than other insurance agents;
    • Whether having E&O makes the firm a target;
    • Why the cost of insurance increases each year;
    • Whether Board Certification increases or decreases insurance rates;
    • What is the FUND Assembly and Attorneys Title Fund; 
    • and other topics.

    If you are an attorney or title company and you want an honest and competitive quote, please contact Sam at Attorneys First Insurance.

    If you know someone who would make a great guest on the show, please have them contact me by email or through the Yesner Law website.

  • Business Interruption Insurance, Part 2Episode 221:Business Interruption Insurance, Part 2

    Last week, I spoke with Richard Ficca of Florida Coastal Insurance Agency about business interruption insurance.  This week, we get the perspective of my friend and referral partner, Jim Jenkins, on the same issue, from a legal perspective.

    Jim is the founding attorney of Jenkins Law PL, a lawfirm that handles business interruption claims, first party insurance claims, and personal injury claims throughout the State of Florida.

    In this week’s episode, we cover:

    • What is business interruption insurance?
    • How does it impact other types of insurance?
    • How COVID and other pandemics likely will be excluded from future policies.
    • Legal opinions and cases from different areas of the Country, and how those opinions help determine whether to sue, or wait to get additional precedent; and
    • Hurricane Claims (as a bonus, now that we’re into Hurricane Season).

    Also listen to Episode 112, my interview with Jim about first party insurance claims generally.

    You can email Jim here, or visit Jenkins Law on the internet.

    Please visit our friend and sponsor Attorneys First Insurance and Sam Cohen, if you are an attorney or title company looking for malpractice insurance.

    If you have suffered a loss due to business interruption, and you have questions about the viability and sustainability of your business, you can contact me too by email or on the Yesner Law Website.

    Be safe, love each other, and wash your hands! 

  • Business Interruption Insurance, Part 1Episode 220:Business Interruption Insurance, Part 1

    In this week’s episode of The Crushing Debt Podcast, I interview my friend, referral partner, and property & casualty agent, Rich Ficca, owner of Florida Coastal Insurance Agency.

    With many businesses feeling the sting of COVID-19 and the resulting loss in business, Rich and I discuss Business Interruption Insurance claims, specifically:

    • What is Business Interruption Insurance?
    • The impact of Business Interruption Insurance on Hurricane Claims and other types of insurance claims.
    • The impact of Business Interruption Insurance on landlord / tenant law.

    You can contact Rich by email here, and you can visit his website here. You can also listen to Episode 69, where we discuss Hurricane preparedness here.

    Please also visit our sponsor, Attorneys First Insurance, although Sam Cohen provides a different type of coverage (E&O Insurance for title companies and attorneys). Rich and Sam often refer clients to each other as they write different types of policies.

    If you have questions about business interruption insurance, please: (a) subscribe to the podcast (for free) to automatically download next week’s episode (Part 2) where I interview attorney Jim Jenkins on this same topic, and (b) contact me by email, or visit my website, for additional information.

  • How to Wipe Your Dad’s ButtEpisode 219:How to Wipe Your Dad’s Butt

    On this week’s episode of The Crushing Debt Podcast, we’re happy to have Brian Morris back on the show to talk about his new book - How to Wipe Your Dad’s Ass and Other Things his Doctor won’t tell you about Alzheimer’s.

    Brian is NOT a doctor, nor is he a licensed caregiver for people suffering from dementia. Brian IS a son who watched and cared for his father who eventually did die from Alzheimer’s. Brian captures the end of his father’s life with raw, unfiltered reality and emotion. Brian also tells stories and gives practical advice to family members dealing with a loved one fighting this disease. I read this book and although I have no family members currently fighting dementia, I thought it was a fantastic book!

    Brian and I discuss: (1) the financial impact of Alzheimer’s, (2) his purpose for writing the book, (3) the signs of dementia, (4) some “how to” and (5) other topics.

    Brian was also a guest on Episode 57 (discussing AFLAC) and Episode 138 (the Profit Prophet).

    You can find the book on Amazon here.

    You can contact Brian here.

    You can visit Brian’s website here.

    Please also visit out sponsor, Attorneys First Insurance, if you are an attorney or title company seeking malpractice insurance.

    If you have questions for me, or are caring for a senior with significant debt, please contact me here by email or at the Yesner Law website.

  • Are Loan Modifications Worth the Risk?Episode 218:Are Loan Modifications Worth the Risk?

    What can you do to protect your home from foreclosure if you’ve lost income or your job during the COVID-19 shutdown? As we re-emerge and re-open the economy in Phase 1, what should you do if you fell behind in your mortgage payments over the last few months?

    A few weeks ago, I was interviewed on Tampa Bay Today with Shriner on Money Talk 1010 AM.

    I thank Money Talk 1010AM and Tampa Bay Today with Shriner for allowing me to use that interview to turn into today’s podcast episode.

    The main point to understand is that the forbearance does NOT save your home; it merely gives you some breathing room in your budget. You still need to catch up your mortgage payments when the forbearance is over, like loan modifications and repayment plans, and why a refinance after a forbearance is a bad idea.

    Please remember to visit our sponsor, Attorneys First Insurance, if you are an attorney or title company and need a quote for malpractice insurance. If Sam Cohen doesn’t answer on the first ring, you are eligible for a substantial cash prize, or at least a sincere apology.

    If you want to know how to use a forbearance correctly, to help you in a effort to save your home, please contact our office for a free consultation, Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Are Payments to the Chapter 13 Trustee Refundable?Episode 217:Are Payments to the Chapter 13 Trustee Refundable?

    In this week’s episode, I take some time to answer some great listener questions. Thank you all for keeping the questions coming in!  I hope all of you are staying safe during the pandemic. Here in Tampa, FL (and in many other areas) starts Phase 1 to “reopen” the Country.  We hope that everyone continues to stay safe and wash your hands!

    Today, we cover:

    • Are payments to my chapter 13 trustee refundable if I dismiss my case?
    • I received notice from my homeowner or condominium association to pay rent. Do I follow that notice or pay the landlord?
    • Is it possible to sell my house while I have a lawsuit filed against me?
    • Can a prospective employer turn me down for having a low credit score.

    This week’s episode, also references Episode 72 and Episode 74 with Bryan Levine.

    Please also visit our sponsor, Sam Cohen, with Attorneys First Insurance, if you are an attorney or title company looking for an honest price on malpractice insurance.

    Please continue to keep these great questions coming in, for us to answer on future episodes. Thank you for being a listener and please connect with me by email at Shawn@YesnerLaw.com, if there’s anything I can do to help as we hopefully emerge from this worldwide pandemic.

  • New COVID-19 LawsEpisode 216:New COVID-19 Laws

    The COVID-19 pandemic caused Congress to pass the Coronavirus Aid, Relief & Economic Security Act - the CARES Act. While most people talk about the SBA Lending, Payroll Protection Plan (PPP) and Economic Injury Disaster Loans (EIDL), many people don't know or understand the rest of the Act and its impact on your ability to make and save money.

    In this week's episode of The Crushing Debt Podcast, we talk about:

    • Stimulus Money from the US Treasury (IRS) and how it is treated in bankruptcy court;
    • Forbearance Plans;
    • Student Loan provisions in the CARES Act;
    • Other bankruptcy law changes in the CARES Act;
    • FL Governor DeSantis's Executive Order 20-94 (tolling foreclosures and evictions for 45 days); and
    • Small Business Reorganization Act (SBRA), which was not a part of COVID-19 or CARES Act, but was signed into law and implemented just before the pandemic spread.

    If you have questions about how you can save money during the Coronavirus Pandemic, please contact my office Shawn@YesnerLaw.com or www.YesnerLaw.com.

    Please also visit our sponsor, Attorneys First Insurance and talk to Sam Cohen about E&O Insurance for your law firm or title company.

  • Bank on Yourself for Asset ProtectionEpisode 215:Bank on Yourself for Asset Protection

    We're happy to have Sarry Ibrahim on today's episode of The Crushing Debt Podcast to talk about how to Bank on Yourself for Asset Protection.

    You may recall Sarry's associate, Mark Willis on Episode 191, who first introduced us to the Bank on Yourself concept.  Sarry takes it a step further to discuss asset protection!

    Sarry and I discuss:

    1. What is the Bank on Yourself policy?
    2. How can Bank on Yourself be used as an asset protection plan?
    3. Why is Bank on Yourself the best method for asset protection (six reasons)?

    If you want to contact Sarry, you can find him at www.FinAssetProtection.com, where he offers a free 15-minute consultation.

    Please visit our sponsor, Sam Cohen at Attorneys First Insurance if you are an attorney or title company in need of malpractice insurance.

    If you enjoy the content, please share with your network. If there's something I can do better, please let me know! Shawn@YesnerLaw.com or www.YesnerLaw.com. 

     

  • How to Choose the Right Custom Home BuilderEpisode 214:How to Choose the Right Custom Home Builder

    Bill Reiman had me on his podcast, The Real Build. We had such a great time and talked about so much great information, that I had to return the favor and have him on The Crushing Debt Podcast.

    Bill is a Real Estate Broker and Custom Home Builder in the Marco Island - Naples area of Florida. RK Reiman Construction started in 1986 with Bill’s father and the company now includes his brother and sister.

    We talk about working with family and how Bill got started in the business, how to select the right contractor, construction contracts and builder contracts, how to keep client expectations reasonable, and whether certain builder contracts can be negotiated.

    You can find Bill at:

    Normally, I’d ask you send me any questions, but this week, I’d like to know how you’re holding up during the COVID-19 Pandemic. Please send me a message, email or comment and let me know how you’re doing.  If you need to talk, or need anything, please let me know - Shawn@YesnerLaw.com.

    Please also visit our sponsor - Attorneys First Insurance - if you are an attorney or title agency that wants a quote on malpractice insurance (also called Errors & Ommissions or E&O).

  • Two Attorneys and a Global PandemicEpisode 213:Two Attorneys and a Global Pandemic

    In this week’s episode of The Crushing Debt Podcast, we interview attorney Jeff Love of Gibbs Giden law firm.

    Jeff’s practice focuses on real estate transactions, multi-family investing and syndications. In this week’s episode, Jeff and I talk about:

    • What is the real estate market going to do?
    • Are we facing another Great Recession, or merely a market correction?
    • What is the current local market in Jeff’s area (California)?
    • What is the impact of COVID-19 on the residential market?
    • What is the impact of the Corona Virus on the commercial market?
    • What is Jeff’s Real Estate Investment Strategy?

    You can reach Jeff at JLove@GibbsGiden.com or his firm’s website www.GibbsGiden.com.

    If you are an attorney and you want to review your Errors & Omission (or E&O, or Malpractice) policy, please visit our sponsor, Attorneys First Insurance at www.AttorneysFirst.com.

    We would appreciate a positive review if you enjoy the show content. You can leave a review wherever you listen to the show. Or, to contact me directly, Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Asset Protection TrustsEpisode 212:Asset Protection Trusts

    This week’s episode of The Crushing Debt Podcast is for our real estate investor listeners. I interview bankruptcy lawyer, asset protection lawyer, and CPA Mark Pierce about asset protection.

    Mark is a Wyoming attorney who uses Wyoming LLC laws, and asset protection trusts to help his clients avoid liability.  Specifically, we talk about:

    • Advantages and disadvantages to form your LLC in your home state or Wyoming;
    • Wyoming Asset Protection Trust v. Land Trust;
    • Lending and Insurance aspects of the Wyoming Asset Protection Trust;
    • Series LLC; and more.

    Please contact Mark at MPierce@cloudpeaklaw.com or www.WyomingLLCAttorney.com. 

    Please also contact our sponsor, Attorneys First Insurance, if you are an attorney or title company interested in malpractice insurance.

    If you have investment questions for me, you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com 

  • Zombie CarsEpisode 211:Zombie Cars

    In this week's episode of the Crushing Debt Podcast, I interview bankruptcy lawyer, consumer advocate, and founder of Collateral Bankruptcy Services, Ian Leavengood.

    Collateral Bankruptcy Services (CBS) helps borrowers return their secured vehicles to the creditor.  In today's episode, we talk about:

    • What CBS is and how it started.
    • Who CBS helps, and when.
    • What a 521 letter is and why its relevant.
    • When does CBS help and when is it appropriate to contact them.
    • How much their services cost the consumer (spoiler - $0).
    • What CBS pays to people that refer clients to them (spoiler - again $0).
    • What happens after CBS takes possession of a vehicle.
    • What is a zombie car.
    • Changes and trends since CBS has been assisting borrowers in collection and repossession of their vehicles.

    If you want to return your car, truck, RV, boat, motorcycle, jetski, 4-wheeler, etc., you can reach Ian at Ian@CollateralBankruptcyServices.com or their office manager Ashley at Ashley@CollateralBankruptcyServices.com. 

    Please also visit our sponsor Attorneys' First Insurance at www.AttorneysFirst.com. 

    If you want to revisit our episode on Zombie Debt, click here.

    In these uncertain economic times, if you know someone who wants to return their vehicle to the creditor, but their creditor is being unresponsive, please share this episode with them! Contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.  

  • COVID-19 Impact on the EconomyEpisode 210:COVID-19 Impact on the Economy

    Professional and collegiate sports have been cancelled, foreign travel is suspended, schools are closed, conferences are cancelled, the markets are in a state of shock.  While we all self-quarantine, force-quarantine, and practice "social distancing" I thought I would string together some interviews to discuss the impact of COVID-19, or the Coronavirus, on the economy.  Thank you all who provided your input, or a sound-bite, and in today's episode of the Crushing Debt Podcast, you'll hear from:

    What is the impact of the economy on you? Please comment or send me an email at Shawn@YesnerLaw.com, and if you or your business are in trouble because of the slow-down, we can help you.

    Please also visit our sponsor if you are an attorney and want to review your malpractice (or E&O or Errors & Ommissions Insurance) at www.attorneysfirst.com. 

  • When Bankruptcy Stops an EvictionEpisode 209:When Bankruptcy Stops an Eviction

    In this week’s episode of the Crushing Debt Podcast, I discuss bankruptcy code sections 362(b)(22) and 362(l).

    Why are these sections important? They describe the landlord’s rights when a tenant files bankruptcy. The landlord’s next step after the tenant files eviction is going to be determined by: (a) whether the landlord has a judgment for possession, and (b) what the tenant represents to the Court in the bankruptcy schedules.

    Plus, we need to know whether the debtor filed Chapter 7, Liquidation, or Chapter 13, Reorganization.

    Plus, should the landlord file a Proof of Claim (and what is that)? Should the landlord seek a “Comfort Order” (and what is that)?

    I discuss all of that in this week’s episode of the show.

    Please remember to give our sponsor a look - Attorneys First Insurance at www.AttorneysFirst.com.

    If you have questions for me, please email me at Shawn@YesnerLaw.com or www.YesnerLaw.com. And it would be a great help to me if you would share this week’s show with a landlord that you know.

  • Top Ten Strategies to Generate Referrals from a...Episode 208:Top Ten Strategies to Generate Referrals from a...

    Welcome to the last show of year four of content for The Crushing Debt Podcast! Like last year’s episode at around this same time, as you listen to this show (if you listen on the day of release) I’ll be on my way to Orlando for Podfest Multimedia Expo 2020. This will be my fourth year attending and my third year speaking!

    In this episode, I provide my top ten (plus one bonus) tips on how to generate referrals when you attend a trade show or conference, including:

    1. Goals - set, strategize and share
    2. Bring Your Networking Tools
    3. Never Eat Alone
    4. Party After the Party
    5. Conference App
    6. Network with Friends (Tag-Team Networking)
    7. Visit Vendors
    8. Incorporate Hobbies
    9. Schedule a Meeting from a Meeting
    10. Break Out of Your Comfort Zone

    There is a bonus strategy in there, but you’ll have to listen to hear it.

    What else do you do to generate referrals from a conference or tradeshow? Please share your ideas. And speaking of sharing, if you found this content useful, please share it with your friends and encourage them to subscribe to the show.

    Thank you to our sponsor - Attorneys First Insurance. If you are an attorney or title company, please visit them at www.AttorneysFirst.com.

    Please connect with me on social media, or send me an email to Shawn@YesnerLaw.com or www.YesnerLaw.com. At the website and blog you can read the blog I wrote about today’s episode  content. Next week starts Year 5 of content!

  • Never Give a House as a GiftEpisode 207:Never Give a House as a Gift

    In this week’s episode of the Crushing Debt Podcast, I cover three different topics:

    1. Beneficial amendments to Florida’s Documentary Stamp Tax statutes, eliminating this particular tax for transfers of property between spouses.

    2. Partition lawsuits and why it is never a good idea to gift real estate to your significant other, and expect to be repaid when for household expenses when the relationship ends.

    3. The difference between in personam jurisdiction (personal) and in rem jurisdiction (property), and how that relates to the bank’s ability to get a deficiency judgment in a mortgage foreclosure lawsuit.

    Please remember to visit our new sponsor - Attorneys First Insurance at www.AttorneysFirst.com.

    I want to do another listener-question show.  Please send me any legal questions you want me to answer in an upcoming episode(s). If I don’t know the answer, I can find an attorney in my network who will.  Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Navy Veteran Discharges Over $220,000 Student...Episode 206:Navy Veteran Discharges Over $220,000 Student...

    Student Loans are not dischargeable in bankruptcy, right? Maybe they are!

    This week’s Crushing Debt Podcast Episode is about the case Rosenberg v. NY State Higher Education Services Corp. For those of you who want the case cite, it is pending in the Bankruptcy Court in the United States District Court, Southern District of New York.  Case No. 18-35379, Adversary Proceeding 18-09023.

    The majority of states (including Florida) use a standard for dischargeability of student loans spelled out in the Brunner case, (Brunner v. N.Y. State Higher Educ. Servs. Corp.) which interpreted Section 523(a)(8) of the Bankruptcy Code.  To discharge a student loan, the borrower must prove that paying that loan creates an “undue hardship.”  The Brunner case interpreted “undue hardship” to require that the borrower prove:

    1. That the debtor cannot maintain, based on current income and expenses, a “minimal” standard of living for herself and her dependents if forced to repay the loans;
    2. That additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the student loans; and
    3. That the debtor has made good faith efforts to repay the loans.

    What makes the Rosenberg case so interesting, and good for student loan borrowers, is that the Court refuses to consider the cases that restricted the Brunner decision, making student loans difficult to discharge, and rules that the Debtor’s student loans are dischargeable in bankruptcy court!

    The debtor, Mr. Rosenberg, borrowed student loans during his undergraduate time at the University of Arizona between 1993 and 1996, and obtained a Bachelor of Arts degree in History. After serving five years in the Navy, he attended Cardozo Law School at Yeshiva University, and borrowed again between 2001 and 2004. After graduating from law school, Mr. Rosenberg consolidated his student loan debt in the principal amount of $116,464.75. By the time he filed bankruptcy, in 2018, Mr. Rosenberg owed over $220,000!

    The decision is on appeal and, regardless of how it is decided, the case would not be binding authority other than in the State of New York, but this case certainly has grabbed the attention of Judges and lawyers all over the Country.

    Stay tuned to the show to hear future developments in student loan dischargeability.

    Please also visit our NEW sponsor, Attorneys First Insurance, if you are an attorney or title company looking for Errors & Omissions Insurance (called E&O Insurance or Malpractice Insurance).  You can contact them at www.attorneysfirst.com.

    If you have any questions or comments for me, you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com. If you enjoy the content, or know someone struggling with student loan debt, please share this episode! 

  • A Debtor, Creditor and Trustee Walk Into a BarEpisode 205:A Debtor, Creditor and Trustee Walk Into a Bar

    Almost every year, I attend the Judge Alexander Paskay Memorial Bankruptcy Seminar sponsored by the American Bankruptcy Institute (ABI).  By attending at least every other year, I earn all of the Continuing Legal Education I need for each 3-year reporting cycle.

    At this year’s seminar, I was able to grab some quick interviews with four attorneys:

    • Traci Stevenson - Chapter 7 Trustee, and Bankruptcy Mortgage Modification Mediator
    • Michael Barnett - Bankruptcy Debtor Attorney (www.TampaBankruptcy.com)
    • Jessica - a Creditor’s (bank’s) Attorney
    • Carmen Dellutri - Bankruptcy and Consumer Attorney, and a guest on Episode 101 of The Crushing Debt Podcast (www.DellutriLawGroup.com)

    If you enjoy the show, it would mean a lot to me if you could share it on social media or subscribe (which is free) so you automatically get each week’s new episode as it is released - every Thursday morning at 6 AM (Eastern).  You can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Investing in US Real EstateEpisode 204:Investing in US Real Estate

    On this week's episode of the Crushing Debt Podcast, I interview structural engineer, Australian, Real Estate Investor, Author and Podcast host Reed Goossens.

    You'll hear Reed's story of how he left Australia to move to the United States and ended up building a portfolio of over $200 million in multi-family real estate holdings.

    You will hear about Reed's influences, including Rich Dad Poor Dad by Robert Kyosaki, the power of scaling (i.e. syndication), and his advice on how to get started in real estate investing (hint - attend meetings, get a good coach & mentor, have the right mindset - patience).

    You can find Reed on his website www.reedgoossens.com and contact him at Reed@wildhorncap.com. Also on his website, you can pick up his books, Investing in the US- the Ultimate Guide to US Real Estate, and 10,000 Miles to the American Dream - Our Story of Financial Freedom.

    If you have questions for me, please email me at Shawn@YesnerLaw.com or visit www.YesnerLaw.com. If you enjoy the content, it would help me if you would share these episodes on social media, or recommend the podcast to any other podcast listeners you know.

  • Top 41 Influential BooksEpisode 203:Top 41 Influential Books

    I am an avid reader, and make time nearly every morning to read while the house is quiet and the wife & kids are still sleeping. In 2019, I read 41 books, and when I use the word “read” I mean I physically held the book in my hand and turned the pages.  I do applaud all of those who listen to books on audio, but there’s nothing like sitting in quiet and reading. Plus, I use my drive time to listen to my favorite podcasts. In fact, as I write these notes at the beginning of the week of this episode’s release, I’ve already finished five books in 2020, with a goal of 45 books this year.

    Episode 175 was the Crushing Debt Book report where I reviewed the last five books I read. I thought I would expand on that premise and discuss the books I read this past year.  I do not discuss all 41, but do talk about the different books or authors that stood out, key points I learned, and which books really impacted with me throughout the year and still do today.

    Please remember that you can visit FFC.CrushingDebtPodcast.com and use a coupon code to register for the Financial Freedom Blueprint Course at a substantial discount (listen to last week’s Episode 202 for more details).

    Also, long time listeners and fellow podcasters know that I attend Podfest Multimedia Expo each year, including this year, March 6 - 8 in Orlando Florida.  As a speaker for the third year in a row, Podfest has given me a special coupon code to give to two listeners who want FREE tickets to Podfest to meet me in person, together with nearly 2,000 other podcasters.  The first two to email me (Shawn@YesnerLaw.com) with their favorite book of 2019 will win those coupon codes!

  • Overview of the Financial Freedom Blueprint CourseEpisode 202:Overview of the Financial Freedom Blueprint Course

    In this week’s Episode of The Crushing Debt Podcast, I talk to Clint Haynes, CFP, founder and president of Next-Gen Wealth. 

    Clint created the Financial Freedom Blueprint Course and, as a special offer to listeners of the Crushing Debt Podcast, has provided a coupon code for you to use the materials in the course to get your finances under control, or give your finances the tweak you need to accomplish your financial goals.

    Please visit FFC.CrushingDebtPodcast.com (not www) and enter code YESNERLAW for a discount off of the lump sum price, or ender code YESNERLAWPLAN for a discount off of the monthly price. Note this is an affiliate link, so each purchase also helps benefit the show by giving a little portion of the purchase back to me.

    Specifically, Clint and I talk about the following sections of the Financial Freedom Blueprint Course:

    • Cash Flow is King
    • Spend Less or Make More
    • How to Save for Your Child’s College
    • Managing Your Home Mortgage
    • Credit Card Rewards
    • Your Credit Report

    If you enjoy the content, please subscribe (its free on your podcast player) and share the content on social media.  You can also find me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • What Happens After Filing Bankruptcy?Episode 201:What Happens After Filing Bankruptcy?

    While we try to be thorough with our client consultations, there is a lot of information to take in regarding the process of filing for bankruptcy. In early 2019, during our strategic planning for 2019, I heard about a "turbulence report" (and I wish I could remember from where).  The concept is to provide clients with as many different instances where the bankruptcy case could experience some common issues that might cause some bumps in the road, but could be resolved; in other words, where might we experience turbulence within the case. I wrote a blog post about it back in January 2019, with the intent of directing clients to that blog post after filing their case. During our 2020 strategic planning, we decided that it would be of benefit to also record the different post-filing issues in this podcast. While I follow the general outline of that blog post, I do not read it word for word, so there is slightly different content - or similar content approached in a different way - between that blog post and this podcast.

    Specifically, what are some common questions post-filing that apply to all bankruptcy cases?  What are some post-filing issues specific to Chapter 7, Liquidation?  What are some post-filing issues specific to Chapter 13, Reorganization.

    Again, all of these issues are post-filing issues and, unfortunately, I don't think this is an exhaustive list of all post-filing issues. For other issues that you've experienced, or if you have questions about pre- or post-filing, please email me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Top 20 Debt Reduction Ideas for 2020Episode 200:Top 20 Debt Reduction Ideas for 2020

    Welcome to show 200 of The Crushing Debt Podcast!

    To kick off 2020, I talk about the Top 20 ideas to reduce or eliminate your Debt.  

    I talk about everything from Bankruptcy to Negotiations, and everything in between (if I listed them all here, you wouldn’t need to listen to the show).

    I really appreciate all of you who have listened to a single episode or subscribed to the show, or supported it in another way.  As we approach the end of Year 4, I would be very thankful if you subscribed to the show (its free on whatever app you use to listen to podcasts), or leave me an honest review to let me know how I’m doing, or suggest future topics for the show!

  • Generating ReferralsEpisode 199:Generating Referrals

    A confession - I miscounted and thought that today’s episode would be Episode 200 of The Crushing Debt Podcast, so when you listen to that episode next week (please subscribe to the show - its free), it will sound like it was supposed to be released today.

    Therefore, for Episode 199, I thought I’d talk a bit about networking.  Where do I network, why, and what are some different ideas I have to generate referrals for my network? Admittedly, the idea for today’s show came when I heard two different people that I respect, at two different events, both bash the networking group that I’ve been a member of since 2004 - BNI. I know there are some who bash the organization, and maybe it has earned some of the negative publicity. However, for me, BNI has been a huge benefit, generating roughly 40% of the law firm’s revenue year over year, consistently for the past six or seven years.

    Aside from that organization, and as we start 2020, what are your thoughts on Networking?  What group(s) do you belong to and how do you decide which groups to join and how to participate?  I would appreciate your feedback at Shawn@YesnerLaw.com or www.YesnerLaw.com.

    Again, please remember to subscribe if you don’t already. It is free and you can subscribe wherever you listen to the show!

  • Financial Independence in Ten Years or LessEpisode 198:Financial Independence in Ten Years or Less

    This week’s guest on The Crushing Debt Podcast wants you to attain financial independence or less outside of the Wall Street Casino.  He is the host of the Income Hacker podcast, Ryan Wright.

    You can go to his website - www.DoHardMoney.com/Crushing-Debt-Podcast for a free copy of his book “How to Get More Money Than You Can Handle” and check out his Real Estate Guide to Finding Deals.

    Ryan and I also discuss:

    • The beginning of his career 
    • How he became a real estate investor
    • How today, he owns no “plexes”
    • How he provides his tenants with a “performance bonus”
    • His mindset around money and investing.

    Plus, you’ll hear Ryan say something that has never before been said on the podcast!

    You can connect with Ryan on:

    • LinkedIn at Ryan G Wright
    • Twitter at @DoHardMoney
    • Instagram at @DoHardMoney 

    Please also remember to visit our sponsor at www.EasyStartUpFunds.com for another source of funding for your real estate deals (and almost any other venture).

    Please support the show by subscribing wherever you listen to podcasts (its free), and contact me with questions at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • The Land Guy with Jack BoschEpisode 197:The Land Guy with Jack Bosch

    On this week’s episode of The Crushing Debt Podcast, Jack Bosch, The Land Guy.

    Jack came to the United States in 1997 with two suitcases. We talk about Jack’s system for land flipping, which has made him financially independent.  Jack focuses on land valued between $10,000 and $100,000, and we talk about the three (3) types of properties he invests in and who he sells to, plus his Financial Philosophy.

    Jack’s mission is the get 1,000 families to the $1 million level in net wealth.

    You can also hear Jack on his Forever Cash Life Real Estate Podcast: http://www.forevercash.com/category/podcast/

    You can also join his facebook group: Land Profit Generator Real Estate Investing Group.

    You can also visit Jack’s website: www.LandProfitFun.com

    Remember to visit our sponsor at EasyStartUpFunds.com

    Remember to subscribe (its free) wherever you listen to podcasts, or contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Wealth TransferEpisode 196:Wealth Transfer

    Michael Watkins was a guest on the Crushing Debt Podcast almost 100 episodes ago, in Episode 97, talking about tax savings through cost segregation.

    In today’s episode, Michael and I discuss wealth transfer, including, his company Tampa Bay Advisory, LLC, his start in the financial services industry, advice for people nearing retirement, and Michael’s new project, Retirement Tampa Bay.

    My take-away from this interview - Don’t follow the herd. Think for yourself when making financial decisions but do your homework and trust your instincts.

    You can reach Michael at mwatkins@tampabayadvisory.com or www. TampaBayAdvisory.com. Also check out his new project at www.RetirementTampaBay.com (or anywhere you listed to your favorite podcast).

    Please show some love to our sponsor - EasyStartUpFunds.com.

    Lastly, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. What questions can I answer for you?

  • Tax Resolution Task ForceEpisode 195:Tax Resolution Task Force

    In this week’s episode of the Crushing Debt Podcast, we interview our friends from Tax Resolution Task Force - Andrea Pope Bauman, CPA, and Jake Blanchard, Esq.

    I’ve known Andrea as a Chapter 7 Bankruptcy Trustee, a position she held for nearly 20 years prior to recently stepping down from that role. However, prior to being a Trustee, Andrea was an IRS Revenue Officer. She’s taken that experience and used it to start Tax Resolution Task Force.

    Jake has been an attorney for more than 11 years, working at both big and small law firms, with a focus on bankruptcy and, specifically, using bankruptcy to eliminate IRS debt.

    Andrea, Jake and I discuss the services offered by Tax Resolution Task Force, including:

    • Offers in Compromise (OIC)
    • IRS Payment plans
    • Un-filed tax returns
    • Payroll taxes
    • Tax liens
    • Penalty Abatement

    If you want to reach out to Andrea or Jake, contact them at www.TaxRTF.com, or email them at Andrea@TaxRTF.com or Jake@TaxRTF.com.

    Please also remember to visit our sponsor - EasyStartUpFunds.com.

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

    We’re nearing our 200th episode.  Please subscribe to the show on whatever podcast player you use to listen shows. Subscribing is free and does not put you on any list to be spammed with emails, but you will get the newest episodes of the Crushing Debt Podcast each week when the episode is released.

  • Thanksgiving 2019Episode 194:Thanksgiving 2019

    Happy Thanksgiving from The Crushing Debt Podcast and Yesner Law. While it has become an annual tradition to use the show to list what we are most proud of accomplishing in the previous year, I also talk about two topics, inspired by listeners, on today’s show:

    1. Why did I form an LLC if it doesn’t protect me?

    2. As the seller of real estate in Florida, what do I have to disclose (the Johnson v. Davis case)?

    However, I do also want you to pay attention to what we accomplished this past year - no we do not need a pat on the back, but if you want our system for goal achievement then let us know. Or listen if you just need a boost to think back on all that you accomplished this past year. Let us know what you’re most thankful for in 2019.

    Please also visit our sponsor - EasyStartUpFunds.Com. Again, this is not an affiliate link.  This is a lending website.  All I get from you visiting the sponsor is continued goodwill and the possibility of future referrals from our sponsor.  I get no money from you clicking links with them.

    If you have questions for me - Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • OMG! WTF!Episode 193:OMG! WTF!

    On this week’s episode of The Crushing Debt Podcast, we interview our long-time friend and referral partner, Barb Kyes, managing partner of ActionCOACH Tampa Bay.

    Long-time listeners may remember that we had Barb’s daughter, Juliet Kyes on the show way back in Episode 63 and we’re thrilled to have Barb on this week’s show.

    Contact Barb at Barb@ActionCOACHTampaBay.com or www.ActionCOACHTampaBay.com and mention that you heard this episode, or mention my name, to receive a complimentary coaching session by one of the best business coaches anywhere!

    ActionCoach Tampa Bay started in 2007 as an international franchise and is now ranked in the top 20 ActionCoach firms internationally. In fact, all of their coaches are currently ranked internationally, many of them at or near the top of the franchise.

    Barb and I talk about their book, OMG! WTF! (What’s the Focus) which is available on Amazon, or locally if you find Barb, Juliet or Ford Kyes. Some of the chapters we discuss:

    • Chapter 10 - Accountability
    • Chapter 7 - Systems (using systems to create leverage and how to create systems)
    • Chapter 9 - Planning

    We also talk about the 5 Ways tool, one of my favorite tools that I use regularly in my law firm.

    If you have questions for me, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. If you found value in this episode, I would love if you subscribe to the show (its free to do so) and share the episode on Social Media.

    Please also visit our sponsor (not an affiliate link, a referral partner of ours) - www.EasyStartUpFunds.com.

  • The College Investor with Robert FarringtonEpisode 192:The College Investor with Robert Farrington

    In this week’s episode of The Crushing Debt Podcast, I interview Robert Farrington, The College Investor.

    Robert started his website and blog - www.TheCollegeInvestor.com - in 2009 after hearing some pretty scary financial advice that he was not okay with. His website is filled with personal financial topics for millennials (and others), with a focus on escaping student loan debt.

    Robert also has eliminated, for himself, more than $43,000 of student loan debt. Beware of servicer mistakes that can keep you in debt, and use The College Investor to learn how to spot those mistakes.  We also discuss practical tips to get out of student loan debt like: creating a side-hustle for extra income and collecting the right information to know and understand your options.

    You can reach Robert at his website - www.TheCollegeInvestor.com, or Robert@TheCollegeInvestor.com. Robert is also host of The College Investor Audio Show.

    Please also remember to visit our sponsor - EasyStartUpFunds.com.

    If you have questions for me, you can reach me at Shawn@YesnerLaw or www.YesnerLaw.com, and please continue to support the show by sharing it with friends, and subscribing on your podcast listening app (whichever one you use).

  • How to Bank on YourselfEpisode 191:How to Bank on Yourself

    On this week’s episode of The Crushing Debt Podcast, we interview Mark Willis of Lake Growth Financial Services.  Mark is a Certified Financial Planner, and Host of The Not Your Average Financial Podcast.

    On today’s show, we talk about:

    • How can an entrepreneur “fire” their banker.
    • How can people meet their financial milestones without unnecessary risk?
    • How to protect your assets in the event of a lawsuit?
    • How people can create wealth in predictable ways.

    To contact Mark, email MarkWillis@LakeGrowth.com, or visit www.GrowMoreWealth.com.  You can also find Mark on Facebook at LakeGrowth, on Twitter @LakeGrowth, or on LinkedIn at Mark Lake Growth.

    To contact me, visit www.YesnerLaw.com or email Shawn@YesnerLaw.com.  If you enjoy the content please share on social media, and subscribe on whatever podcast player you use - that will continue to help me grow the podcast.

    Please also remember to visit our sponsor if you need to borrow $25,000 to $100,000 and have a 680 credit score - EasyStartUpFunds.com.  Please note this is NOT an affiliate link and I get nothing (other than the potential for additional sponsor funds) by you working with our sponsor. In addition, if you have feedback on our sponsor, positive or negative, please let me know.

  • Bare Bones BankruptcyEpisode 190:Bare Bones Bankruptcy

    Happy Halloween!

    This episode of the Crushing Debt Podcast is all about Bare Bones, or Skeleton Bankruptcy Petitions (I guess that's two spooky topics).

    A normal bankruptcy petition is in the range of 50 pages, although the first 6 - 7 pages are all that's needed to file and start the case. That's what we mean by "bare bones," only the first 6 - 7 pages, followed up at a later date by the remaining supporting documents and schedules.

    As a practice, Yesner Law tries to stay away from bare bones petitions because: (1) they take more time because we're filing documents multiple times instead of filing everything at the outset, (2) they're more expensive, because an additional fee is owed to the bankruptcy court to follow up and "add" creditors to the case, and (3) they are typically a sign that the client is unprepared.

    A full bankruptcy petition typically consists of: (1) the Petition, (2) Schedules A - J & a Declaration as to those schedules, (3) Statement of Financial Affairs, (4) Statement of Social Security Number, (5) List of Creditors, (6) Means Test, (7) Statement of Intentions (for a Chapter 7 liquidation) or Plan (for a Chapter 13 reorganization).

    Bare bones bankruptcy petitions can be more complicated when filed pro se (meaning by the debtor, unrepresented by an attorney).

    If you or someone you know needs to file bankruptcy please refer them to our office, or to a local bankruptcy attorney.  Shawn@YesnerLaw.com or www.YesnerLaw.com.

    Please also visit our sponsor, www.EastStartUpFunds.com. If you need between $25,000 and $100,000 and have a 680 credit score, you can complete an application to borrow for any reason.

  • Easy Start Up FundsEpisode 189:Easy Start Up Funds

    On this week’s episode of the Crushing Debt Podcast, we highlight our sponsor, Tampa Business Funds, LLC and Steve Hechtman, through their website EasyStartUpFunds.com and TampaBusinessFunds.com.

    You may recall Steve, and his eclectic ukulele from Episode 164 - Alternative Business Lending.

    Do you need startup funds for a new business, CBD grow facility, equipment leasing, construction equipment financing, debt restructuring, cash advance, accounts receivable financing, commercial bridge loans, business acquisition, real estate, fix & flips, or for any reason at all?  Contact our sponsor to complete an online application to get $25,000 to $100,000.  The only other thing you need is a 680 credit score.

    In addition to the websites above, you can contact Steve at Steve@TampaBusinessFunds.com, or you can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Bankruptcy Listener QuestionsEpisode 188:Bankruptcy Listener Questions

    What did you always want to know about bankruptcy but were too afraid to ask?

    We’ve got some great listeners of The Crushing Debt Podcast who send in questions from time to time, and if they have these questions, likely you do too.

    On today’s episode, we answer about:

    - Reaffirmation Agreements

    - Lien stripping in Chapter 13

    - Filing bankruptcy for personally guaranteed debt of an LLC

    Please continue to submit these great questions. You can connect with me on social media, or directly, Shawn@YesnerLaw.com or www.YesnerLaw.com. If you enjoy the show, please share it with others.

    Finally, please visit our sponsor www.EasyStartUpFunds.com. If you need $25,000 to $100,000 and have a 680 credit score, apply online.

  • Planning to Wealth with David Flores WilsonEpisode 187:Planning to Wealth with David Flores Wilson

    On this week's episode of the podcast, I interview Certified Financial Planner David Wilson Flores.

    David and I talk about:

    - How to lower the cost of college and maximize financial aid to minimize debt.

    - Creating a year end financial planning checklist to save money and minimize savings.

    You can read David's successful blog and get more information at www.PlanningToWealth.com or email him directly at DWilson@PlanningToWealth.com. You can also follow him on Twitter @NYWealthAdvisor or on Instagram @planningtowealth.

    We also want to thank and ask you to visit our sponsor www.EasyStartUpFunds.com if you need $25,000 to $100,000 for any reason (like starting up a business) and have at least a 680 credit score. 

    You can contact me with comments or questions at www.YesnerLaw.com or Shawn@YesnerLaw.com. 

  • Seven Wealth Building RulesEpisode 186:Seven Wealth Building Rules

    This week, we have our friend Chris Calandra with Elliot Wealth Management Services, LLC, as a guest talking about the seven wealth building rules:

    1. Importance of Goal Setting

    2. Preparation is Key

    3. Developing a Wealth Building Plan

    4. You Need a Team

    5. Tracking Progress

    6. The Power of Diversification

    7. Be Careful with Debt

    You can find Chris at ccalandra@elliottwealth.com or www.elliottwealth.com.

    Many thanks to our NEW sponsor, www.anyreasonloan.com. If you have a credit score of 680, and you need $25,000 to $100,000 for any reason, fill out the laser lightning half page online app and get a response within 24 hours.

    To contact me directly, email Shawn@YesnerLaw.com or www.YesnerLaw.com. If you enjoy the content, please share it and invite your friends to subscribe to the show on whatever podcast player they use to listen to podcasts!

  • Judgment Liens & Inherited PropertyEpisode 185:Judgment Liens & Inherited Property

    This week’s episode of The Crushing Debt Podcast is the result of a client question - what happens to judgment liens that attach to inherited property?

    First we have to talk about when liens attach to property and the different kind of liens, then we have to discuss what happens when the person passes who owes the debt.  This week’s episode touches on both lien and probate issues.

    If you have a judgment lien against your property, or if you inherit property that may have judgment liens from the grantor who died, please contact us to help remove the lien.  Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Student Loan Management ProgramEpisode 184:Student Loan Management Program

    Did you know that the Bankruptcy Court for the Middle District of Florida will be the first bankruptcy court in the Country to roll out a program designed to help borrowers repay student loans in a bankruptcy?

    As of October 1, 2019, the US Bankruptcy Court for the Middle District of Florida will begin to offer a modification program within the bankruptcy to help borrowers negotiate and reduce the amount of their student loan payments.

    Student loans are still non-dischargeable under the bankruptcy code but, like the mortgage modification mediation program, the bankruptcy court hopes that the Student Loan Management Program - SLM or SLM Program - will help student loan borrowers who might otherwise be forced into bankruptcy because they are unable to repay their student loans.

    This week’s episode of The Crushing Debt Podcast explains the bankruptcy court’s order and explains how the program is going to work.

    Are you struggling with your student loan payments?  Do you know someone who is struggling to make their student loan payments?  Please refer them to us. We now have another tool to help them manage their student loans!  Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Tampa Real Estate with Jamie BolingEpisode 183:Tampa Real Estate with Jamie Boling

    In last week’s episode of The Crushing Debt Podcast, we interviewed Cole Boling of The Boling Group Coaching & Consulting Services. Those who recall, Cole also has a background as a Realtor and it was his wife, Jamie, that was the listener who reached out to me.

    This week’s episode of the show is my interview with both Jamie and Cole around their real estate business.  Jamie is a Realtor with Keller Williams, first in Topeka, Kansas, and now with The Boling Group here in Tampa, Florida.

    Jamie, Cole and I talk about:

    • Why they moved from Topeka to Tampa
    • Some of the differences between the two markets
    • Whether there is a real estate “bubble” forming
    • Flipping houses in Tampa (and Topeka)
    • Buying Investment properties
    • Opportunities to join The Boling Group Team

    You can contact Jamie at Team@TheBolingGroup.com or visit her website at www.TheBolingGroup.com.

    If you’re a listener and want to connect with me directly, either to talk, ask questions, or be interviewed on the podcast, you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

     

  • The Boling Group Coaching and ConsultingEpisode 182:The Boling Group Coaching and Consulting

    It’s great meeting fans of the Crushing Debt Podcast, which is how I met my guests this week, and next week.

    Cole Boling, owner of The Boling Group Coaching and Consulting Services, has over 2500 hours of coaching businesses large and small on setting and achieving goals. While Cole started as a Real Estate Agent, his coaching programs fit any type of business owner, including Realtors and other professionals.

    You’ll hear about Cole’s three pillars - having a written business plan, a lead generation plan, and a financial plan. We also talk about:

    • How the company started
    • How Cole and his wife and kids ended up in Tampa (moving from Topeka, Kansas, and
    • Cole’s focus as a business coach

    You can reach Cole on Facebook (search for Boling Group - Coaching and Consultant Services), on the web at ColeBoling.com, or by email at Cole@ColeBoling.com.

    If you have questions for me - or if you’re a fan who wants to reach out to have coffee and a good conversation - you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Evicting MomEpisode 181:Evicting Mom

    In this week’s episode of The Crushing Debt Podcast, I’m joined again by our associate attorney Lauryn as we discuss a few different topics, including a few listener questions.

    • What is a TRIM Notice?
    • Lauryn’s first hearing (solo) as an associate attorney
    • How we helped two different clients eliminate garnishments
    • How we scared off a creditor with one letter
    • Listener Question - how a lien can be removed from property.
    • Listener Question - how to evict mom (written lease expired, tenant refuses to leave, and has done damage to the property).

    What questions do you have that we can answer around debt, foreclosure, landlord / tenant questions, property taxes, IRS debt, bankruptcy, or garnishment? Please contact us at www.YesnerLaw.com, me at Shawn@YesnerLaw.com or Lauryn at Lauryn@YesnerLaw.com.

     

  • Inherited IRAs are Not ExemptEpisode 180:Inherited IRAs are Not Exempt

    This week’s Crushing Debt Podcast Episode is inspired by a few financial advisors we know, including past guests like Forrest Baumhover, and our sponsor, Chris Calandra with Elliot Wealth Management Services.

    When someone files bankruptcy, their concern is “what can I keep?” That question is answered by reviewing the debtor’s exemptions - those things protected under State or Federal Law.  One of the items protected is IRAs, Individual Retirement Accounts.

    However, the United States Supreme Court came out with a ruling that not all IRA’s are protected.  IRA’s that are inherited, while exempt from withdrawal penalties, are not protected under the bankruptcy code.  Meaning, if you inherit an IRA and have to file bankruptcy, that IRA will have to be paid to the bankruptcy trustee to repay creditors (unless some other exemptions apply).

    In this week’s episode, we discuss the logic behind the Supreme Court’s decision.

    Do you agree?  Do you think inherited IRA’s should be exempt, or subject to repay creditors?  Let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Freddie Mac Exclusionary List PolicyEpisode 179:Freddie Mac Exclusionary List Policy

    In this week’s episode of The Crushing Debt Podcast, I again visit the Freddie Mac (Federal Home Loan Mortgage Corporation - FHLMC) Exclusionary List. For those who don’t know what it is: if a real estate professional (Realtor, Mortgage Originator, Title Company, Inspector, Appraiser, Attorney, etc.) finds themselves on the List, they cannot participate in a real estate transaction involving Freddie Mac.

    One frustration with helping people come off the List is that Freddie Mac does not provide any input on what it takes to come off the List, except a paragraph or two on a policy worksheet that they send with the original letter putting someone on the List, and any denials of requests to come off the List.

    Since Freddie relies on their policies, I thought I’d take a more thorough look at them in this week’s episode.

    If you want more content about the Freddie Mac Exclusionary List, please listen to:

    - Episode 134 - an explanation of the List I provided at a seminar called Become A Better Agent (or BABA).

    - Episode 132 - Coming off the Freddie Mac Exclusionary List

    - Episode 83 - An update of various approved and denied requests to come off the List

    - Episode 32 - an introduction to the List.

    If you are on the List, or know someone on the List, we have helped people come off the List.  Please share any of these episodes, and have the person on the List contact us for a free consultation.

    Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Florida’s Foreclosure-Rescue StatuteEpisode 178:Florida’s Foreclosure-Rescue Statute

    We have a special guest host on today’s episode of the Crushing Debt Podcast, but don’t let the cuteness distract you from the content of the episode.

    Today’s episode is a discussion of Florida Statute 501.1377 - Violations involving homeowners during the course of residential foreclosure proceedings.

    The statute defines:

    • Equity Purchaser
    • Foreclosure-Rescue Consultant
    • Foreclosure-Related Rescue Services
    • Foreclosure-Rescue Transactions

    The statute then defines the requirements of helping someone in foreclosure, or who could be in foreclosure, and the penalties for violation of the statute.

    Although there are some exclusions from the law, if you work with people in foreclosure, you need to be aware of the requirements of the statute. If you have questions, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Positive QuotesEpisode 177:Positive Quotes

    Last month was a bit rough. But I’ve always been a believer in mindset and the power of mindset to lift someone out of a bad mood. I appreciate all of you as listeners of the show and thought I would share some of my favorite positive quotes, as a way to lift myself out of this funk, and as a way to help you when you hit a rough patch. Some of these are mine, or I’ve heard from family. Others I’ve read in books or heard at different events. I try to give credit to the author as and when I can.

    The process of recording and sharing these quotes with you has helped me to feel better and, for that, I thank you.

    What are some of your favorite positive quotes? What are some of your favorite things to do when you’re feeling down?  Please let me know by emailing me at Shawn@YesnerLaw.com or at www.YesnerLaw.com.

  • Here We Grow AgainEpisode 176:Here We Grow Again

    Crushing Debt Podcast audience, meet Lauryn Fabrizio, our new associate attorney at Yesner Law.

    Lauryn will be joining me from time to time to “co-host” the show, answer your questions, and provide additional knowledge and an additional perspective.

    On this week’s show, we answer a few listener questions regarding various issues, including landlord/tenant law.

    To contact me with questions, please email me at Shawn@YesnerLaw.com. To contact Lauryn, email her at Lauryn@YesnerLaw.com.

  • Crushing Debt Book ReportEpisode 175:Crushing Debt Book Report

    One of my goals is to read - I’ve set a goal of 30 books in 2019 and I will smash that goal (I’m on book number 24 as this episode is released, although I was working on book 23 as I recorded the episode).  When I mention “reading” books, I mean legitimately reading physical books or books on my kindle. I am not including audio books, because I listen to podcasts while I drive around.

    In this episode of the Crushing Debt Podcast, I review the following five last books I’ve read:

    The Purple Cow by Seth Godin. The basic premise of this book is how you can make your business stand out in a crowd.

    The Compound Effect by Darren Hardy. This book teaches you that small incremental improvements every day add up to tremendous changes over time.

    Whale Done by Kenneth H. Blanchard, Thad Lacinak, Chuck Tompkins, and Jim Ballard. My biggest takeaway from this book is the power of positivity in creating relationships with my staff, my friends, my family and everyone else with whom I interact in all phases of my life.

    Raving Fans also by Kenneth H. Blanchard, and Sheldon Bowles. I love Mr. Blanchard’s books because they use stories to make their point, and in this book the lesson is how to create raving fans for your business.

    Putting Stories to Work by Shawn Callahan. I have always felt that finding and telling stories in my presentations was a weakness. This book cures that weakness by showing you how to find, incorporate, refresh or retire stories in your presentations.

    What are some of your favorite books?

    Where do you find your books?

    Do you prefer printed books, e-books, or audible books?

    Please let me know in the comments, on social media, by email at Shawn@YesnerLaw.com or through the website at www.YesnerLaw.com. You can also order my book - Crushing Debt: 9 Strategies to Eliminate Financial Bullies, and listen all the way to the episode for an offer from me!

  • Foreclosure Questions AnsweredEpisode 174:Foreclosure Questions Answered

    On this week's episode of the Crushing Debt Podcast, I answer more listener questions related to foreclosure law and title law, and I continue to describe my love-hate relationship with foreclosure mediation.

    If you have questions that you want me to answer on future episodes, please interact with me on social media, send me an email at Shawn@YesnerLaw.com or contact me through the website www.YesnerLaw.com. 

  • Seven Rules for Real Estate InvestingEpisode 173:Seven Rules for Real Estate Investing

    Nick Raithel has been a great friend and resource to The Crushing Debt Podcast, introducing us to some of our best guests, being a guest himself on episodes 64 and 91, and having me on his show - 7 Rules for Real Estate Investing.

    Nick was kind enough to provide us with a portion of the content from when I was on his show, Episode 9, which is the topic of today’s episode. Nick and I talk about my 7 Rules for Real Estate Investing, or 7 mistakes I see Real Estate Investors make when investing in property.

    Nick’s previous appearances on the show were about writing a book to establish yourself as an authority in your field (episode 64) and writing a book specifically as a real estate investor (episode 91). If you’re interested in contacting Nick, or getting more information about Nick’s system to help you write a book in seven hours, please visit him at www.ContentCorps.net/Yesner

    What other Rules do you have for investing in Real Estate?  Please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Trump Tax CutsEpisode 172:Trump Tax Cuts

    This week’s guest on the Crushing Debt Podcast is one I’ve been trying to get on the show since its inception, so I am so excited to have him on finally!

    Charles Shapero is the owner of Widget Bookkeeping & Tax, where his mission is to help his clients pay the lowest amount of tax legally possible using his knowledge of the Internal Revenue Code and his 20+ years experience as a CPA.  I met Charles around 2006 at a real estate investor meeting, and we have been friends and referral partners since.

    In today’s episode of the podcast, we talk about the good and bad of the Tax Cuts and Jobs Act (which some people call the Trump Tax Cuts). Love him, like him or hate him, the new Tax Act has some pros and cons, including:

    • Pro - lowers tax brackets
    • Pro - increases the standard deduction
    • Pro - child tax credit
    • Pro - qualified business income credit
    • Con - decrease in personal exemptions
    • Con - Tax deduction caps

    Make sure that with the change in the laws, you have your tax planning performed by a CPA that understands both the benefits and drawbacks to the law, so that you pay the lowest amount of tax legally possible.

    To contact Charles, email him at Charles@WidgetCPA.com, visit his website at www.WidgetCPA.com, connect with him on Facebook, or call his office 727-953-9493.

    If you have questions for me - Shawn@Yesnerlaw.com or www.YesnerLaw.com.

  • Tech Guys Who InvestEpisode 171:Tech Guys Who Invest

    This week's episode of The Crushing Debt Podcast is my interview with Adam Ulery and Kevin Galang, Tech Guys Who Invest.

    I had the honor to be guest number one on the Tech Guys Who Invest Podcast a while back and wanted to return the favor by having the guys on my show.

    Adam invests mostly in multi-family properties and Kevin invests mostly in promissory notes. They both invest as a way to get passive income, cash flow, out of debt, and live the lifestyle they choose. They also both have careers in technology.

    You'll hear about Adam and Kevin's attitudes towards debt and a few stories about how they got into and out of debt.

    To learn more about them, visit www.TGWIPodcast.com or contact them at TechGuysWhoInvest@gmail.com.  Also check out Kevin's second show - Secondhand Success - at www.secondhandsuccess.com. 

    If you want to share a story of how you got into and then out of debt, please visit the website at www.YesnerLaw.com or email me at Shawn@YesnerLaw.com. If you enjoyed this episode, I would really appreciate if you would share the content on Facebook, LinkedIn or any other social media site!

  • What new laws passed, and which died in the 2019...Episode 170:What new laws passed, and which died in the 2019...

    This week's podcast was inspired by our friend and Realtor Tom Scaglione, an agent at Future Home Realty.

    https://www.facebook.com/tom.scaglione

    Tom has forgotten more about the Tampa Bay Real Estate market than most Realtors will ever know.

    Tom posted about the various laws that passed during the 2019 FL Legislative Session like:

    • Legislation related to expired or old permits
    • Approval of remote notaries
    • Changing insurance AOB
    • Apportioning money for environmental projects and affordable housing
    • Flood insurance changes
    • Tree trimming legislation
    • Texting while driving ban

    And some legislation that didn't pass like:

    • Short term rental legislation
    • Emotional support animal legislation
    • Seller and Landlord disclosure laws

    Did you follow the 2019 FL Legislature?  What laws would you like to see enacted?  Which should be eliminated?  Share your thoughts with me directly at Shawn@YesnerLaw.com or www.YesnerLaw.com.

    Please also visit our sponsor Elliot Wealth Management Services to get your free 15-minute life insurance checkup - www.elliottwealth.com.

     

  • #MyMKLifeEpisode 169:#MyMKLife

    In this week’s episode of the Crushing Debt Podcast, I interview Linda McElhaney.

    Currently, Linda works as a purchasing manager at Freedom Square Nursing. As a side-gig or side-hustle, Linda started a Mary Kay business and is now working on being a Director.

    Some benefits of having her Mary Kay business, Linda has:

    • Learned to Budget, Plan and set Goals;
    • Grown as a person and professional;
    • Has Extra money;
    • Paid down debts; and
    • Taken vacations.

    In fact, Linda has paid off over $4,500 in credit card debt in a short period of time, and saved money for an extended vacation overseas.

    Incidentally, Linda’s husband also transitioned his love of CrossFit into his own business that now helps support the family.

    To speak to Linda about setting up an Mary Kay party, please call 631-766-4459.

    If you have questions on turning your side-gig into a full time job, you can also contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Garage Sale Lessons IVEpisode 168:Garage Sale Lessons IV

    In this week’s episode of the Crushing Debt Podcast, I talk about Preparation.

    Twice a year, my community has a garage sale.  I find Garage Sales to be low-risk environments to practice your negotiation skills. This is the fourth time I’ve had the opportunity to practice something at my community’s garage sale to help my negotiation skills.

    If you want to listen to previous episodes on this topic:

    • Episode 68 was about negotiation, specifically that you need to willing to walk away, and that there is value in selling something you no longer want and don’t want to put back in the garage for the next sale.
    • Episode 86 was about presentation, in other words the presentation of a specific good or service can help with sales.
    • Episode 118 was about patience; how long should you wait to make the sale?

    In this week’s episode, preparation could be the difference between making the sale, making the sale at or near the price you want, or bringing the item to Goodwill and getting no value (other than a tax deduction) for it.

    What do you like most about Garage Sales?  What lessons do you take from them?  Please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Good LookersEpisode 167:Good Lookers

    I’m excited about this week’s episode of The Crushing Debt Podcast, because my guest didn’t know she was going to record an episode when she walked into my office, and her boss has been trying to get on the show for a while now.

    I’ve known Madison Thayer, the Community Connector for SEC Inspection Services for a little more than a year.  I’ve know her boss, and the owner of the company, Melissa Menikheim, for many more years than that.

    SEC Inspection Services is a family owned business here in Tampa Bay that is 20 years old! SEC is an inspection company and Madison and I talk about all of the reasons that an inspection is important - the first being that a home is likely the single largest purchase you’ll ever make in your life, so you need to have someone inspect that asset before you buy to make sure your investment is protected.

    Madison and I share stories about inspections: funny stories and horror stories.

    At SEC Inspection, all of their inspectors are good lookers.  If you want to contact Madison you can do so at Madison@SECinspection.com or visit the website at www.secinspection.com.

    If you want to share an inspection horror story with me, or if you want advice on what to look for once the inspection is complete, you can connect with me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Solar Power, Is It Worth It?Episode 166:Solar Power, Is It Worth It?

    On this episode of The Crushing Debt Podcast, we talk about Solar with Tim Converse of Solar Solutions, Inc.

    Tim has owned Solar Solutions for more than 22 years and has been in the solar industry for 26 years.

    Tim's company can provide an energy audit to see if Solar is good for you.  You can use solar to heat your pool, power your house, and provide you a tax credit (which does diminish every year unless renewed by Congress). Solar power is not batteries - meaning the house still will not work if the electricity goes out in a storm. 

    If you have questions about Solar you can contact Tim at WTRWarmer@msn.com or www.solarsolutionsinc.net. 

    If you have additional questions, contact me at Shawn@YesnerLaw.com, or www.YesnerLaw.com. 

  • What is Discovery in Litigation?Episode 165:What is Discovery in Litigation?

    In this week's episode of The Crushing Debt Podcast I talk about Discovery, the process by which the parties to a lawsuit determine, challenge, narrow, and identify the evidence to be used in proving their case to the judge and/or jury.

    There are different types of discovery.  Depositions are questions asked in an interview style, under oath. Request for Admissions are written statements that the party must admit or deny as true.  Request for Production are designed to force the party to show any documentary or physical evidence it intends to rely upon in proving its case. Interrogatories are requests for written narrative answers to be signed under oath. There is an art both to creating and answering discovery.

    If you enjoy the content, please share the episode. If you have questions, please connect with me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

    Also, please remember to visit our sponsor, www.ElliottWealth.com for your free 15-minute life insurance check up.

  • Alternative Business LendingEpisode 164:Alternative Business Lending

    This week, our guest on the show is Steve Hechtman of Rapid Approved Financing, LLC, an alternative business lender.

    Steve started the company in 2006 to be an additional source for lending if and when the banks won't lend money.

    Steve can help with hard money loans, business loans or real estate loans. All of Steve's loans are non-residential, meaning if the loan is going to be supported by your home or residence, Steve is unable to help.

    This episode is unique in that it is the first podcast episode out of all of my 160+ episodes to feature an electric ukulele and an original song - The Rapid Approved Blues!

    You can reach Steve at Steve@RapidApprovedFinancing.com or www.RapidApprovedFinancing.com. 

    If you have questions for me, please contact Shawn@YesnerLaw.com or www.YesnerLaw.com, and please visit our sponsor for your free 15-minute life insurance checkup at www.ElliottWealth.com. 

  • Dumb Things Banks DoEpisode 163:Dumb Things Banks Do

    I've been saving up stories of banks (and their attorneys) doing things that make no sense, or doing things that are plain dumb.

    For example:

    • Wells Fargo arguing with me over getting paid $30 too much in a short sale.
    • Opposing counsel requiring an affidavit to cancel a sale on a loan that was paid off in full.
    • Deutche Bank cancelling a sale to do a loan modification on a house the client wanted to give up back to the bank.
    • Ocwen's representative lying at mediation.

    What dumb things have you seen banks do? Please share your stories at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

    Also remember to visit our sponsor, Elliott Wealth Management Services for your free 15-minute life insurance checkup at www.ElliottWealth.com.

     

  • Nobody Likes Life InsuranceEpisode 162:Nobody Likes Life Insurance

    We have Chris Calandra from Elliott Wealth Management Services back on the show to talk about the benefits of life insurance. 

    Chris and Elliott Wealth are now sponsors of The Crushing Debt Podcast, and you can support them by going to the website - www.ElliottWealth.com to request your free 15-minute life insurance checkup. A service offered only to listeners of the Crushing Debt Podcast.

    In this week's episode, we talk about the benefits of Term Life Insurance, including to protect your family and your business from a financial loss. Insurance can also be used to give to your favorite charity or cause.

    Insurance is strange in that it is one product that no one likes to buy or use, but when it is needed you're glad you have it.

    Elliott Wealth Management Services is a comprehensive financial planning firm and an independent adviser (meaning they are not bound to provide you with any particular company's product and can choose from many different options).

    You can listen to Chris's last interview on the show at Episode 157.

    Again, for listeners of The Crushing Debt Podcast, go to www.ElliottWealth.com to request your free 15-minute life insurance check up.  If you have questions for me, please email Shawn@YesnerLaw.com or visit www.yesnerlaw.com. 

  • Give Your Way Out of DebtEpisode 161:Give Your Way Out of Debt

    In this week's Crushing Debt Podcast episode, we have a returning guest, Paul Moore of Wellings Capital.

    Paul was a guest on Episode 78 talking about reducing tax liability using multifamily investing, and promoting his book "The Perfect Investment."

    In this week's episode, Paul is back to talk about:

    1. Two new private equity funds Paul has launched for real estate investors, an income fund and a growth fund. Paul has used a value formula for commercial real estate investing and discovered that he can separate the funds into mostly self-storage facilities, mobile home parks and multifamily investing.

    2. How he went from $1.7 million in the bank, to $2.5 million in debt, to debt free in 2008 / 2009 by giving his way out of debt.

    You can visit Paul's website at www.WellingsCapital.com, or email Paul at Paul@WellingsCapital.com. 

    If you want to contact me, please visit www.YesnerLaw.com, or Shawn@YesnerLaw.com. 

  • The Protecting Tenants in Foreclosure ActEpisode 160:The Protecting Tenants in Foreclosure Act

    In this week's episode of The Crushing Debt Podcast, I talk about a Federal law that went away, came back in the form of a Florida law, and now is back as a Federal Law - The Protecting Tenants in Foreclosure Act.

    The federal version of the law allowed a tenant to remain in his lease if the house was taken in foreclosure, except under certain circumstances. The Florida version of the law required a 30-day notice by the creditor (less tenant friendly than the federal version). The new federal version brings back some of those more tenant-friendly provisions, with a few changes.

    If you buy foreclosure properties and have questions about the law, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Starting a Business with Derek BernsteinEpisode 159:Starting a Business with Derek Bernstein

    In this week's episode of the Crushing Debt Podcast, I interview attorney Derek Bernstein.  Derek practices personal injury law, represents doctors in PIP (personal injury protection) lawsuits, handles family law matters, and represents small businesses.

    In this week's episode, we talk about:

    • Derek's YouTube channel has over 70 videos on different legal topics;
    • How Derek & I met (hint: SEO from years ago);
    • In January 2019 Derek started his own lawfirm (and how he did it);
    • Derek's background as an entrepreneur at a young age;
    • How Derek leverages his network
    • How many people told him "time to start your own firm;" and
    • Lessons he's learned in starting his own practice.

    To connect with Derek, visit www.LawBernstein.com, email him at Derek@LawBernstein.com, connect with him on Facebook, or call him at 727-209-7957.

    Do you have a story of how you overcame debt, or know someone who has?  I would appreciate interviewing them on my show.  Have them connect with me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • The Good, the Bad and the Ugly of Credit RepairEpisode 158:The Good, the Bad and the Ugly of Credit Repair

    When someone hires me to file a bankruptcy for them, one of their first questions is "how will this impact my credit?" My concern is eliminating their liability. What good is a credit score that is smashed from unpaid bills and creditors chasing you?

    Some topics I cover on this week's show:

    • Should you be behind in payments to negotiate debt?
    • How will negotiation of the debt affect your credit?
    • Credit Card Intelligence from Swipe! The Podcast.
    • Tips to Increase your Credit Score following bankruptcy
    • How Credit Repair works (good and bad)

    Credit repair and debt negotiation can be great tools to increase your score or avoid bankruptcy. Please do your due diligence to ensure you're being treated fairly by the credit repair company you choose, or reach out to me for a free consultation at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Wealth Management with Chris CalandraEpisode 157:Wealth Management with Chris Calandra

    Welcome to the first episode of Year 4 of The Crushing Debt Podcast! This week's episode is an interview with Chris Calandra of Elliott Wealth Management Services, LLC.

    Chris is also the host of the Simply Financial Podcast, an innovative, comprehensive, informative and cutting edge Podcast that discusses financial topics ranging from personal finance, economics, politics and personal growth. Simply Financial will cover intriguing and thought provoking questions so that the listener can simply increase their financial IQ (check out episode 78 - Season 3, Ep 7).

    Chris and I talk about:

    • What makes a good client
    • What is on the horizon
    • Creating an emergency fund
    • Using online savings accounts
    • Tax issues
    • Asset protection
    • Elliott Wealth's 5 Gold Medal Services
    • And more great strategies!

    If you have questions about creating, investing, or saving, please reach out to Chris and his team at ccalandra@elliottwealth.com.

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

  • Podfest Multimedia Expo 2019Episode 156:Podfest Multimedia Expo 2019

    Welcome to the last episode of the third year of the Crushing Debt Podcast! When this episode is released, I will be at Podfest Multimedia Expo 2019, attending for the third year and speaking for the second year in a row!

    As I reflect on last year's episode of the podcast, I am really happy about the goals that I've accomplished between Podfest 2018 to Podfest 2019.

    I've got 3 goals for Podfest 2019: (1) increase download numbers, (2) sell more Crushing Debt Books, and (3) be a guest / have more guests on this show.

    Just because you may, or may not, be at Podfest, you can still help me accomplish those goals. I am very appreciative of my audience and all the support you've given me so far, and am looking forward to Year 4 of the show.

    You can find me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Reading Your MortgageEpisode 155:Reading Your Mortgage

    In this week's episode of the Crushing Debt Podcast, I review the major clauses of a standard Mortgage.  I remember closing on my house(s) and reading the mortgage.  Some sections I knew were boilerplate and some sections I slowed down to read.  Also, in the course of representing homeowners buying their first home, I typically read the mortgage.

    This week's podcast episode comes from a question from one of our listeners, Dave.  Thanks Dave for a great question!

    What specific questions do you have about your mortgage? Or any document in connection with a closing?  Let me know at Shawn@YesnerLaw.com or www.yesnerlaw.com 

  • Asset Protection for Real Estate InvestorsEpisode 154:Asset Protection for Real Estate Investors

    In this week's episode of The Crushing Debt Podcast, we talk to our friend and fellow attorney Scott Smith with Royal Legal Solutions, and host of the Real Estate Nerds podcast.

    Scott and I discuss asset protection issues for real estate investors, but could be used by any business owner, entrepreneur, or solopreneur.

    Specifically we talk about:

    - Business owner protecting themselves from frivolous lawsuits.

    - How a business owner can quickly implement asset protection.

    - Top techniques for asset protection.

    - Pros and cons of insurance protection.

    - Series LLC protection.

    Text "Royal" to 474747 to get Scott's Top 10 things you need to know about asset protection.  Visit his website, www.RoyalLegalSolutions.com. Also subscribe to his show, Real Estate Nerds, available on all major podcast players.

    If you're located in Florida and have specific asset protection questions, please reach out to me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Legal Questions from Real Estate InvestorsEpisode 153:Legal Questions from Real Estate Investors

    On this week's episode of the Crushing Debt Podcast, I want to talk about real estate investing, specifically:

    - Entity Structuring (LLC v. C-Corp v. S-Corp)

    - Subject-to Transactions / Due on Sale violations

    - Wrap-around Mortgages

    - Using Florida Land Trusts

    - Investing Podcasts I listen to regularly

    - Investing in distressed properties

    Please listen to the episode if you want to learn how to obtain a free copy of the Crushing Debt Book!

    If you have questions about real estate investing in Florida, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • We Close Notes with Scott CarsonEpisode 152:We Close Notes with Scott Carson

    In this week's episode of The Crushing Debt Podcast, we interview our friend Scott Carson of We Close Notes.  We first met Scott at Podfest 2018 and look forward to spending time with him again at Podfest 2019.  We were also happy to be a guest on Scott's Show - The Note Closers show.

    Scott buys and teaches others to buy non-performing debt at a discount, and then negotiates to help people stay in their homes (or leave with dignity and little to no liability).

    Scott and I discuss what types of loans Scott buys (from big banks, from private investors, etc.), why bad debt may be good debt, old loan modifications that may turn into bad debt, and different types of loans.

    To contact Scott, visit www.WeCloseNotes.com or email Scott at Scott@WeCloseNotes.com.

  • Home Health CareEpisode 151:Home Health Care

    In this week's episode, we interview Ryan Abremski, Director of Business Development for Executive Care, a home care company.

    Health care costs are one of the main reasons that someone files for bankruptcy. As we age, health care becomes an increasing concern. But what if we're still "young" and need a bit of help around the house while recovering from surgery, or if we have some medical issue that prevents us from taking care of ourselves in the home.

    Ryan's company helps to take of us in our home. He assists people with short term or long term care, for everything from assistance to people with disabilities, to surgery recovery.

    To contact Ryan, visit his website at www.executivehomecare.com, email him at Ryana@ExecutiveHomeCare.com or call him at 727-726-7600. 

    If you have questions for me, I can be reached at Shawn@YesnerLaw.com or www.YesnerLaw.com.  

  • Goal & Accountability SystemEpisode 150:Goal & Accountability System

    In looking back on last year, I accomplished many of the goals that I set for myself.  In this week's episode of The Crushing Debt Podcast, I lay out my system for setting and accomplishing those goals.

    If you want a copy of my system, please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com 

     

  • Budgeting for SuccessEpisode 149:Budgeting for Success

    In this week's episode of The Crushing Debt Podcast, I talk about a few tips to help you budget.

    As I've always said, there are two ways to get more money - increase income and decrease expenses.  In this week's episode, I talk about ways to use your budget to do both.

    - Tips to increase the amount of money you receive each payroll

    - Tips to decrease monthly expenses

    What are some of your favorite budget-busting tips? What are some things you have done to increase income or decrease expenses? Please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Networking Advice from Rob KellogEpisode 148:Networking Advice from Rob Kellog

    In this week's episode of The Crushing Debt Podcast, I have a return guest.

    Rob Kellog is my guest this week.  Rob is the host of the Brewin Up Business podcast.  Rob and I, over a few adult beverages, discuss intellectual property law and at what point should you apply for a trademark and what that process entails.

    To attend one of Rob's live Brewin Up Business events, you can visit his website at www.brewinupbusiness.com, and subscribe to the Brewin Up Business podcast. 

    If you have intellectual property questions, please contact me at shawn@yesnerlaw.com or www.yesnerlaw.com. 

  • WhatEpisode 147:What's the Difference between Chapters 7 - 13 -...

    One of the questions I'm asked most often, "What is the difference between a Chapter 7, Chapter 13 and Chapter 11?" This week's episode answers that question.

    Chapter 7 is called liquidation. The Trustee will take any non-exempt assets, turn them into cash and pay off creditors. If all of your assets are exempt (protected) the creditors get $0.00.

    Chapter 13 is called reorganization. The Trustee will pay your creditors based on any disposable income you have (or based on the value of any non-exempt assets, whichever is greater).

    Chapter 11 is also a reorganization, but it is for businesses that want to reorganize, OR it is for individuals that don't qualify for Chapter 7 (because they have income or they have non-exempt assets), OR it is for individuals that don't qualify for Chapter 13 because they have too much debt (there is a limit to the amount of secured and unsecured debt you can have in a Chapter 13).

    The main point of today's episode is to consult with a bankruptcy attorney in your area if bankruptcy might be an option. If you want me to help connect you to a bankruptcy attorney in your area, please contact me at www.yesnerlaw.com or shawn@yesnerlaw.com. 

  • Thirteen Months a Year with Tiffanie KellogEpisode 146:Thirteen Months a Year with Tiffanie Kellog

    This week's episode of The Crushing Debt Podcast is our fourth (or third and a half) interview with our friend Tiffanie Kellog.

    Tiffanie and I discuss a question I've tackled over the last few episodes - what are some tactics to motivate referral sources who are all the same profession?  How do you give back to a group of similar professions that all refer you business.

    There are 16 different relationship builders.  While we don't focus on all 16, some that we discuss:

    - Featuring your referral source on a podcast, YouTube Video, co-author an article, or newsletter.

    - Set up a speaking engagement for your referral source.

    - Advising or Advice seeking

    - Giving or collecting Testimonials (especially those that speak to a common objection a client may have to hire you).

    - Calling your network to simply ask "How are you doing?"

    - Doing fun events together

    To learn all 16, please contact Tiffanie at Tiffanie@asentiv.com or https://tiffaniekellog.com/ or https://tampa.asentiv.com. 

    Tiffanie has a 13-week video program called "Thirteen weeks a Month" to help you save a few minutes here or an hour there.  The goal of the program is that you gain 13 hours a week, which creates an additional 28 days of time saved - or one full month, so that you have 13 months in a year.  To register for the 13 Months a Year Program visit https://tiffaniekellog.com/13monthsayear 

    Also remember to subscribe to Tiffanie's (and Rob's) podcast - Brewin' Up Business at http://brewinupbusiness.libsyn.com/website 

  • Networking to Increase IncomeEpisode 145:Networking to Increase Income

    I've always said that there are two way to create money to pay down or pay off your creditors: (1) make more money, or (2) cut expenses.

    One of the ways I've been able to make more money is through word of mouth networking, and many episodes of the Crushing Debt Podcast discuss networking topics.

    Some episodes that talk about networking in general are 133 (FinCon2018), 33 (Business Card Graveyard) and 17 (Running and Goal Setting).

    Every 6 months, my community has a garage sale, which is a great place to practice your sales skills - episodes 118, 86 & 68.

    I've got episodes on living a spectacular life with the Asentiv program - 76, as well as word of mouth networking with Tiffanie Kellog (episodes 48 & 12).

    Jason Avery with Constructing Success is episode 8.

    Why I do what I do is episode 5.

    I also talk about the difference between generating a referral versus an introduction to a referral source. I talk about tips and strategies to network at events and one-to-one.  Finally, I talk about a question we'll tackle on a future episode - "feeding" multiple of the same type of referral sources.

    I hope you enjoy this episode of the podcast.  What are some of your favorite networking tips?  Please share at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Why do our clients file bankruptcy?Episode 144:Why do our clients file bankruptcy?

    In this week's episode of The Crushing Debt Podcast, I take a look at the different reasons our clients come to us for bankruptcy protection:

    • Divorce
    • Loss of a Spouse
    • Medical Bills
    • An Injury that cause time off work
    • Credit Card Debts and Repossessions
    • IRS Debt
    • Loss of Income / Loss of Job
    • Closed Business
    • Foreclosure
    • Student Loans

    These types of debts do not discriminate between Chapter 7 & 13, and neither chapter necessarily better or worse to deal with these debts (look for a future episode on the difference between Chapter 7 Liquidation and Chapter 13 Reorganization, or check out our blog).

    Please contact me at Shawn@Yesnerlaw.com or www.yesnerlaw.com with what other reasons you think people might file for bankruptcy, or questions you have around these different debts.

  • Divorce, Real Estate and DebtEpisode 143:Divorce, Real Estate and Debt

    In this week's episode of The Crushing Debt Podcast, I talk about a topic requested by our listeners - divorce, real estate and debt.

    While I've talked about each of these subjects in some manner, this is the first episode dedicated to the intersection of all three.

    What should you know about real estate that you jointly own with your ex?  What should you know about debt that you jointly owe with your ex?  How did you take title when you were married and how does that impact the debt, and then the divorce?  We explore all of these topics.

    I would appreciate if you would share this episode with someone you know who is getting a divorce, or thinking about a divorce.  We do not practice family law, but can help the divorcing couple to figure out what they can do with their home and debt.  You can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Millennial Money MakeoverEpisode 142:Millennial Money Makeover

    In this week's episode of the Crushing Debt Podcast, I interview Conor Richardson, author of The Millennial Money Makeover book which will be released on Jan. 1, 2019, so order your copy now at www.MillennialMoneyMakeover.com.  Conor is a CPA and Author who earned his Accounting and Finance Degree at the University of Georgia.  Once he obtained his Masters of Accounting degree from Villanova and became a CPA, Conor moved to New York to work with Deloitte & Touche, and now lives in Austin, Texas, as an entrepreneur.

    As the title suggests, the book is written from the perspective of a Millennial's approach to money.  Conor's story is a turnaround story on debt, and alignment of goals.  Although geared towards Millennials, the book could be read and utilized by all the different generations.

    To reach Conor directly, Conor@MillennialMoneyMakeover.com.

    Please email me at Shawn@YesnerLaw.com or www.YesnerLaw.com if you have any questions or want to suggest future show topics.

  • Happy ThanksgivingEpisode 141:Happy Thanksgiving

    Happy Thanksgiving from The Crushing Debt Podcast and Yesner Law!

    I recorded this episode while waiting for my open house to start.  The open house was a celebration of my 20 years practicing law, so it provided a great opportunity to review 2018.  I also provide some insight into how I set and track goals.  I also look forward to 2019.

    Thank you all for being listeners to the show!  If you have questions, contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. Have a great Thanksgiving Holiday and a prosperous 2019! 

  • Cash Wise Ex WivesEpisode 140:Cash Wise Ex Wives

    In this week's episode of The Crushing Debt Podcast, I talk to the Cash Wise Ex Wives, Kayla Sloan and Shanah Bell.  I met Kayla and Shanah at FinCon 2018 in Orlando a few months ago.

    Kayla and Shanah are both divorced themselves and met at FinCon 2017. They talked about their journey of divorce and debt and, although each had their own business, they had people continue to come to them asking for help with their divorce and money issues.

    So they started www.CashWiseExWives.com, a membership site with resources to help both men and women handle issues of divorce and money.

    You can reach Kayla and Shanah at their website, or follow them on Facebook - Facebook.com/cashwiseexwives, Twitter - @cashwiseexwives, or by email - cashwiseexwives@gmail.com. While they are not attorneys, they do have considerable resources (including introductions to attorneys) who can help you with questions surrounding debt and divorce.

    If you enjoy the content, please leave us a rating or review on your podcast player.  You can also connect with us at www.yesnerlaw.com or shawn@Yesnerlaw.com. 

  • Crushing Medical DebtEpisode 139:Crushing Medical Debt

    I have another returning guest with this week's Crushing Debt Episode.  Barb Hennessy was a guest WAY back in episode 37. Today Barb is back to talk about her role as Director of the BSW Academy USA, Inc. and how she helps as an interventionist for PTSD.

    Barb helps people with depression and suicide, anxiety, and special needs.  For more information, contact Barb at Barb@TheJoyWithin.us or any of the following:

    www.BSWAcademyUSA.com

    www.TheJoyWithin.us

    You can contact me at Shawn@YesnerLaw.com or www.yesnerlaw.com. 

  • The Profit ProphetEpisode 138:The Profit Prophet

    On this week's episode of The Crushing Debt Podcast, we're happy to have a returning guest, Brian Morris, the Profit Prophet.

    We last spoke with Brian in Episode 57 and, since then, Brian has had a shift in his business model.  Today, Brian works with companies to help them find the best service providers in 5 areas of concentration: Direct Costs, Qualification for Grants, Work Flow Processes, Risk Mitigation and Growth Potential. Brian will analyze, advise and connect. Best of all, Brian doesn't charge the customer!  Either the customer likes working with the service provider Brian refers, or Brian will find a new service provider.  Either the customer saves money, time or efficiency working with the service provider Brian refers, or Brian will find a new service provider.

    Check out Brian's website for more information: http://www.dbrianmorris.com/the-process.html

    or connect with Brian at brian@dbrianmorris.com.

    Or for more questions, contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Life & Debt with Leslie TayneEpisode 137:Life & Debt with Leslie Tayne

    In this week's episode of the Crushing Debt Podcast, we talk with fellow attorney, fellow author, and fellow FinCon2018 attendee Leslie Tayne.

    Leslie is a New York attorney.  In addition to her practice (similar to ours) that covers many aspects of debt elimination, Leslie wrote a book called Life & Debt which you can pick up on Amazon.  You can also visit her website at www.taynelaw.com or email her at LTayne@TayneLaw.com.

    If you live in New York and are being harassed by creditors, definitely contact Leslie's office.  In addition, while Leslie's main office is in New York, look for her to expand soon into Southeast Florida, which she also discussed in this week's episode.

    If you have any additional questions, please contact me at Shawn@Yesnerlaw.com or www.YesnerLaw.com. 

  • Buy It, Rent It, Profit! With Bryan ChavisEpisode 136:Buy It, Rent It, Profit! With Bryan Chavis

    On October 29 & 30, 2018, I have the honor of speaking at the Buy It, Rent It, Profit! Multi Family Summit at the Holiday Inn Westshore.  

    In this week's episode of the Crushing Debt Podcast, I speak to the host of the event, best-selling author, real estate investor, and thought leader in property management and multifamily housing, Bryan Chavis.

    While this month's event is at the end of October, 2018, Bryan's intent is to promote this seminar throughout Florida, and later across areas of the United States, so please look for us even if you miss this month's event.

    You can find more information at:

    www.BuyItRentItProfit.com

    www.BryanChavis.com

    www.LandlordAcademy.com

    Bryan has written two books: Buy It, Rent It, Profit! and the Landlord Entrepreneur, both available through Simon & Schuster.

    For more information, or to connect with me or Bryan, please visit www.yesnerlaw.com or Shawn@Yesnerlaw.com.  Hope to see you at the end of October!

  • Creating A Revenue Breakthrough with Monica ShahEpisode 135:Creating A Revenue Breakthrough with Monica Shah

    In this week's episode of The Crushing Debt Podcast, we interview Monica Shah, MBA, Money and Marketing Coach.

    Monica was $25,000 in debt until she changed her money mindset.  She now helps her clients eliminate debt through her Money Making Marketing Calendar

    In this week's episode, I talk to Monica about her steps to get out of debt:

    1. Review your numbers

    2. Track you numbers

    3. Do Revenue Generating Activities: (a) speaking, (b) sponsorships, and (c) webinars.

    4. What is your Planning / Sales Cycle?

    5. Rinse & Repeat.

    For more information, and to see how Monica can help you create a revenue breakthrough, visit her website at www.revenuebreakthrough.com/marketingcalendar.

    For more information visit our website at www.yesnerlaw.com or contact me at Shawn@YesnerLaw.com.

     

  • Become A Better Agent 28Episode 134:Become A Better Agent 28

    This week's episode was recorded when I presented to a group of Realtors at Become a Better Agent 28 ("BABA") which is an educational seminar hosted by Insured Title Agency and Synergy Title here in Tampa Bay.

    BABA’s purpose is to identify the needs of an ever-changing market and meet those needs more effectively through disruption, innovation and creativity.  If you're in the Tampa Bay Area, definitely check out the next BABA.

    The first part of the episode is my description to the crowd of the Freddie Mac Exclusionary List - what it is, how someone gets on it, and how we can help real estate professionals off of the List.

    The second part of the episode is Kevin Overstreet and me talking about "Who is Your Seller" in a situation where the parties are being divorced, or one spouse is deceased, or a trust, or where one spouse signed the note but both are on title or on the deed.

    Please check out the Crushing Debt Book on Amazon - its now out!  And let us know if you have any questions or comments at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Networking at FinConEpisode 133:Networking at FinCon

    When this episode is first released, I will be attending FinCon 2018 in Orlando, so I thought I would do an episode about how I network at a large event.

    I talk about tips, tricks and strategies to maximize your attendance at an event.  What are your goals?  What do you want to accomplish? How will you know that the conference was a success?  Who do want to meet with?  What attendees?  What speakers?

    In addition, I have an exciting announcement - the Crushing Debt Book is out on Amazon!

    If you have questions about how to network at an event to maximize your return on your educational investment, please contact me at Shawn@YesnerLaw.com or www.yesnerlaw.com. 

  • Coming Off of the Freddie Mac Exclusionary ListEpisode 132:Coming Off of the Freddie Mac Exclusionary List

    I've often talked and blogged about the Freddie Mac Exclusionary List. This week's episode of The Crushing Debt Podcast focuses, again, on tips, techniques and strategies to come off of the List.

    A real estate professional (Realtor, Mortgage, Buyer, Seller, Investor, Title Company, Attorney, Inspector, Appraiser, etc.) who finds themselves on the Exclusionary List cannot participate in a real estate transaction where Freddie Mac (Federal Home Loan Mortgage Corp or FHLMC) is a party.

    We have been successful in getting people off of the Exclusionary List. To be fair, we have also been unsuccessful in getting people off of the List, but we have many more approvals than denials.  You would be a HUGE help to Yesner Law if you would please share this episode with any Mortgage Officer that you know - they have access to the List and can refer us people who find themselves on the List. 

    Have them contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Crypto Currency & Blockchain with Lannister...Episode 131:Crypto Currency & Blockchain with Lannister...

    In this week's episode of The Crushing Debt Podcast, we make our first venture into the topic of Blockchain technology and crypto currency with Joseph Snyder and Chris Brown.

    Joseph is the CEO of Lannister Holdings and Chris is the CTO (Chief Technology Officer).  You can find out more about them at www.LannisterHoldings.com.

    Lannister Holdings is a fiscally conservative, publicly traded holding company listed on the OTC market (OTC: NBDR). On this week's episode, I talk to Joseph and Chris about how Lannister Holdings acquires, develops and holds blockchain technology.

    For more information, contact Lannister Holdings, Inc., or contact us at www.YesnerLaw.com, or Shawn@Yesnerlaw.com. 

  • Vision Board Your Success with Claudia...Episode 130:Vision Board Your Success with Claudia...

    This week's guest on the Crushing Debt Podcast is Claudia Mitchell-McLeod with Next Level Financial Partners.

    We met Claudia through our friend Robin Lavitch of Surpass Your Goals (you can hear Robin on Episodes 92 and 98 - or follow us on Facebook where we will post links to those episodes).

    Claudia has been in Financial Services since 2000, starting as a benefits administrator and then moving into human resources. Her passion is working with women.

    Claudia's next Vision Board seminar is September 15, 2018, at her office in the Kennedy Room, you can sign up and get more information by visiting her website at www.NextLevelPartners.com, or CMitchellMcLeod@financialguide.com.

    You can contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com. 

  • Foreclosure Mediations are a Waste of TimeEpisode 129:Foreclosure Mediations are a Waste of Time

    Unsure what to say about this week's episode.  I fired up the mic after a particularly troublesome "mediation" I had with Ocwen.  I put "mediation" in quotes because the bank was clearly not mediating in good faith - and they rarely do.

    In a typical mediation, one party starts with one perception of the case, and the other party starts with a competing perception of the case.  The role of the mediator is to assist both parties in some middle-ground compromise unless, of course, we're talking about a loan modification mediation - in which case the bank pays lip service and asks the homeowner to provide multiple copies of the same documents.  The bank representative then ignores those copies, asks the homeowner to send in yet another copy of the same documents, ignores those documents and then tells everyone at mediation that the bank is missing documents!

    In all of my years assisting homeowners in foreclosure, I've walked away from the mediation with a signed loan modification ONCE and that was with a credit union.  The purpose of that stat is not to discredit myself or my abilities, but more to point out that the banks never mediate in good faith to try for a resolution.  In fact, at one mediation, I had a bank's attorney admit, "the only reason for mediation is to see if the homeowner provided all of the necessary documents."

    Luckily, many less people are in danger of foreclosure now than when mortgage foreclosure mediations were created as a specific type of mediation.  Hopefully, this is process that will end its uselessness soon, so we can proceed to have good faith discussions on how to resolve mortgage foreclosures.

    If you're trying to modify your home mortgage, you could get more relief by hitting yourself over the head with a hammer.  Before you do that please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Bankruptcy Means TestEpisode 128:Bankruptcy Means Test

    The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) made major revisions to the Bankruptcy Code.  In this week's episode of The Crushing Debt Podcast, we talk about one of the more sweeping changes - the Means Test.

    The means test is complicated and there is an art and a science to completing the information.  The means test is important because it helps determine whether someone can file Chapter 7 (Liquidation) or Chapter 13 (reorganization).

    If you have questions about bankruptcy, or the means test, or whether you qualify for Chapter 7 or 13, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Timeshare Exiting with Gordon NewtonEpisode 127:Timeshare Exiting with Gordon Newton

    In this week's episode of the Crushing Debt Podcast, we interview Gordon Newton, President and Co-Founder of the Newton Group.

    Do you have a timeshare that you don't want anymore?  Were you "oversold" on your timeshare?  Are you interested in buying a timeshare?

    If so, check out "The Consumer Guide to Timeshare Exit" written by Gordon, which is available on his website at www.newtongrouptransfers.com/guide

    Although he's not an attorney, I first heard Gordon on The Cash Flow Guys podcast, and talked about a particular nasty timeshare exit client that I have - he was very helpful with strategy.

    If you have a timeshare and want to exit out of it, or want to know if its a good idea for you to buy, check out The Consumer Guide to Timeshare Exit, contact Gordon, or contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com 

    Today is also my mom's birthday!!  She turns 21 every year, it's amazing. Those of you who can, reach out and say "I love you" to your moms today, I know I will be!

  • How to Complete Schedule I & J of the Bankruptcy...Episode 126:How to Complete Schedule I & J of the Bankruptcy...

    In this week's episode, I go over Schedules I & J of the Bankruptcy Petition.

    Schedule I describes the debtor's income - all sources of the debtor's income: wages, income from operating a business, interest and dividends, family support (like alimony and child support), unemployment, social security, pension, government assistance, and "other."  Basically any and every source of income must be disclosed on Schedule I.

    Conversely, Schedule J describes all of the debtor's expenses - rent, utilities, food, medical bills, insurance, taxes, car payments, alimony and child support, and other payments that you make.  The trick to Schedule J is that the expenses must be accurate, but also reasonable.

    Schedule I & J help the trustee determine that the debtor should be in a Chapter 7 (Liquidation) or Chapter 13 (reorganization), and that the debtor's payment to creditors, if in a Chapter 13, is reasonable.

    If you have questions about completing Schedules I & J, or completing the bankruptcy petition itself, please contact our office for a free consultation. www.YesnerLaw.com, Shawn@YesnerLaw.com. 

  • ParentsEpisode 125:Parents' Responsibility for their Kids with...

    We interviewed personal injury attorney Dale Appell in Episode 123 of The Crushing Debt Podcast. Dale is back for this week's episode. I talk to Dale about different topics like: 

    - Can a Parent be Responsible for their Kids bad driving habits;

    - What to do before calling your insurance company;

    - Giving a statement to your insurance company;

    - What happens if you're injured at the Hard Rock Casino (or other Native American property); and

    - Where can a personal injury lawsuit be filed? What if one party lives out of state?  What court, Federal or State, has jurisdiction?

    Dale can be reached at DAppell@wefightforjustice.com, or visit his website at www.wefightforjustice.com. Or you can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Taxes Tampa and Tax Myths with Stephanie HerediaEpisode 124:Taxes Tampa and Tax Myths with Stephanie Heredia

    I met Stephanie Heredia from an email she sent me describing the Entrepreneur Center Program on Campus at the University of Tampa (something she is involved with for her business).

    Immediately, Stephanie struck me as an entrepreneur on the rise.  Her company is www.taxestampa.com where she helps individuals and business owners with bookkeeping and tax preparation services.  You can reach Stephanie at Stephanie@taxestampa.com. 

    From its website: The John P. Lowth Entrepreneurship Center in the Sykes College of Business teaches skills that are critical for today’s entrepreneur. Learning to identify opportunities, prepare executable business plans and hone skills through a combination of classroom study and applied learning, makes our program unique. Entrepreneurship education is the fastest growing field of study in the United States, with entrepreneurs projected to be the group that creates vigorous and sustained economic development worldwide. 

    Stephanie and I talk about entrepreneurship, and also mistakes students make in filing their tax returns, including: whether or not to file, whether to pay sales tax in their business, and money management.

    If you have questions about taxes or bookkeeping, reach out to Stephanie, or contact me for other professionals in my network.  www.yesnerlaw.com, shawn@yesnerlaw.com  

  • Protect Yourself From Multi-Million Dollar...Episode 123:Protect Yourself From Multi-Million Dollar...

    This week's guest on the Crushing Debt Podcast is going to take two episodes to fully cover all of the great content.  However, if you want some behind-the-scenes topics we didn't cover on either show, please visit my YouTube Channel to see some bonus content.

    My guest is my friend, Dale Appell of the Dale Appell Law Group, and www.wefightforjustice.com.  You can contact Dale by email at Dale@wefightforjustice.com.

    Dale is a 1989 graduate of Duke Law School, and a member of the Multi-Million Dollar Barrister Association - meaning he has won verdicts totaling over $1 million (on a single case).

    Dale and I talk about Asset Protection, and how to shield yourself from an attorney like him trying to take your assets after obtaining a personal injury judgment against you. We also talk about what you should do after an accident.

    If you're in an accident, call Dale for assistance and let him know that you heard about him from the Crushing Debt Podcast, or contact me for an introduction to Dale - www.Yesnerlaw.com or Shawn@Yesnerlaw.com. 

  • Crushing Debt Update & 1031 ExchangesEpisode 122:Crushing Debt Update & 1031 Exchanges

    In this week's episode, I talk about an exciting new project from Crushing Debt (you'll have to listen, although I've dropped a few social media hints).

    However, I do make an offer for you (my listeners) to be involved in this new project by shooting me an email to Shawn@YesnerLaw.com.

    To continue to provide additional content, I give you my take on 1031 Exchanges and how those can impact real estate closings.  I am not a qualified intermediary, nor are we tax attorneys or CPA's, but I have done enough 1031 exchanges in my day to understand the law behind the exchange of like-kind properties to defer the taxable gain on the sale.

    For more information, check out my website at www.yesnerlaw.com. 

  • Mortgage Originator Jeannine Smith, Fairway...Episode 121:Mortgage Originator Jeannine Smith, Fairway...

    Last week's episode was about reverse mortgages.  This week's episode of the podcast features Jeannine Smith, loan officer with Fairway Independent Mortgage, and we discuss mortgages in general.

    Jeannine's email address is Jeannine.Smith@fairwaymc.com and her website is www.jsmithmortgage.com. Jeannine has been in the mortgage industry for about 12 years, since 2006.

    Buying a house is easier than you might think. Jeannine and I dispel myths, like how much you may need in a downpayment, and how your credit score impacts your ability to get a mortgage. We also talk about best practices and what you can do to better qualify for a loan.

    Fairway Mortgage is a lender offering a range of products. Jeannine is focused on helping Veterans obtain VA loans, and educating those who might qualify on the pros and cons of that, and other, loan products.

    You can get ahold of Jeannine at the links above, or contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com. What are some other myths you have about mortgages that we can help dispel?

  • Safely Using a Reverse Mortgage with Michael...Episode 120:Safely Using a Reverse Mortgage with Michael...

    On this week's episode of The Crushing Debt Podcast, we talk with Reverse Mortgage expert Michael Banner, www.professionalmortgagealliance.com. You can also email Michael at mbanner@pmanow.com.

    Michael and I discuss the myths and truths of a Reverse Mortgage.  Michael is a frequent speaker on the use of home equity during retirement.

    If you have questions, or know someone who may need help with a reverse mortgage, contact us at www.yesnerlaw.com or shawn@yesnerlaw.com 

  • Jimmy Murray, Debt and JokesEpisode 119:Jimmy Murray, Debt and Jokes

    I have a very special guest on this week's episode.  Jimmy Murray is a friend and fellow Podcaster, also part of the Florida Podcaster's association.  If you have young kids, check out his podcast, The Kid Friendly Joke of the Day!

    Jimmy has done Stand-Up Comedy, Improv, Blogging and Podcasting, but for our show, his biggest accomplishment has been paying off over $80,000 of debt comprised of Medical Bills, Credit Cards, Student Loans, and a few Judgments.  We talk to Jimmy about his journey to become debt free.

    You'll learn some of his secrets on reducing or cutting monthly expenses, using your money to reduce your debt, and remaining accountable to yourself, your family and your goals.

    If you have questions, or want help to get out of debt, email me at Shawn@YesnerLaw.com, or visit the Firm's website.

     

  • Garage Sale Lessons IIIEpisode 118:Garage Sale Lessons III

    Twice a year my homeowner association hosts a community garage sale.  Previously (episodes 68 and 86) I discussed lessons that I've learned selling my sh ... tuff at the community garage sale.  This week's episode describes another lesson learned, this time at the Spring 2018 garage sale.

    If you have questions, please visit my website, or email me at Shawn@YesnerLaw.com.

  • Physical & Mental Coaching with Patty & MarletaEpisode 117:Physical & Mental Coaching with Patty & Marleta

    In this week's episode, I interview Patty Durell and Marleta Black.

    Patty owns Rock Solid Fitness since 2012 and has been a physical therapist since 1994.  Each year, Rock Solid has achieved over 40% growth and now has 10 staff.  Patty is on the show to discuss how your physical health impacts your ability to handle debt and stress.

    The growth of Patty's company can be attributed to her work with Marleta Black, who has 31 years of small business and leadership consulting, running teams of 5 to 120 employees using her degree and training as a psychologist.  As Patty is Marleta's client, Marleta is also Patty's client and they have a great personal and professional relationship.

    Patty, Marleta and I talk about making and keeping goals and how those skills can help you eliminate debt.

    Patty can be reached at Patty@RockSolidFitnessFL.com

    Marleta can be reached at Hello@MarletaBlackCoaching.com

    Any questions, I can be reached at Shawn@YesnerLaw.com or at the Firm's website.

  • Real Estate Investing with Rich on MoneyEpisode 116:Real Estate Investing with Rich on Money

    Our last episode of May is an interview with Rich Carey of www.RichonMoney.com. 

    Rich is our third military interview in as many weeks, and is currently in the US Air Force, 2 years from retirement. On his website, www.RichonMoney.com, under the Real Estate Tab, you'll find his "Complete Guide to Real Estate Investing."

    Rich flipped houses in Washington D.C. to help build his income, he purchased rental properties for cash, he paid off $32,000 in student loans, and his $280,000 mortgage in six years !!

    For more information, visit his website, or contact him at Rich.Carey@gmail.com, or contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

     

  • Military Retirement with Forrest BaumhoverEpisode 115:Military Retirement with Forrest Baumhover

    This week, we interview Financial Advisor Forrest Baumhover with Westchase Financial Planning.

    Our office is located in Westchase, just outside of Tampa, Florida. We met Forrest with a Keep It Local networking group. We both enjoy running, and helping people manage their money.  In fact, both Forrest and I will be at FinCon, September 26 - 29, 2018, in Orlando, FL.

    Forrest retired from the Navy in April 2017, and now helps his clients understand and plan for retirement.  You can contact Forrest at Forrest@WestchaseFinancialPlanning.com or www.WestchaseFinancialPlanning.com.  Or you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

     

  • The Military GuideEpisode 114:The Military Guide

    In this week's episode, we interview Doug Nordman ("Nords") about his book The Military Guide, which you can find on his website, the-military-guide.com.

    Nords joined the Submarine Force (Navy) right out of college and, upon retirement, found that there was a lack of information to show military members how to retire without having to go back to work. The Military Guide provides service-members, veterans and their families with a road map for becoming financially independent.

    For more information, visit his website, or contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Blooom.comEpisode 113:Blooom.com

    In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of Blooom.com (with three "o's").

    You'll hear the story of how Blooom.com got started in 2004, how the company created its vision and mission (and sticks to those ideals consistently).  Chris and I talk about why he started a DIY Financial Planning Company and the challenges most of us face when dealing with "traditional" financial advisors. 

    Chris even throws in a few tips on how he manages his debt, and his finances.

    For more information, visit their website at www.blooom.com, remember there are three "O."  And for more information about the all of our episodes, please visit our website at www.YesnerLaw.com or email me directly at Shawn@Yesnerlaw.com.

  • First Party Litigation with Jim JenkinsEpisode 112:First Party Litigation with Jim Jenkins

    In this week's episode of the podcast, we interview our friend, Jim Jenkins, founder of Jenkins Law.

    Jim started Jenkins Law in 2013 following stints as a Pinellas County Assistant State Attorney (prosecuting people who violated criminal laws), and as an associate attorney at a large Clearwater firm handling personal injury matters.

    In fact, just about 3 years ago, Jim's wife, Kelly-Ann Jenkins joined the firm as a partner, and helped Jim grow a firm that now has multiple staff and 2 other associate attorneys. Jim, Kelly-Ann and the team handle criminal law, personal injury law, and insurance litigation (first-party and third-party litigation).

    In today's episode, Jim and I discuss first party insurance litigation - where you sue your own insurance company for damages covered by your insurance (versus third party litigation, where you sue the insurance company of the person who injured you).

    For more information about first party litigation, or if you have questions about your rights under your own insurance policy, contact Jim through his paralegal Kate at Kate@JenkinsLawPL.com, or visit the website at www.JenkinsLawPL.com.

    Or, if you want us to make the introduction to Jim and his team, contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • What Does the Seller Have to Disclose to the BuyerEpisode 111:What Does the Seller Have to Disclose to the Buyer

    This week's episode is an issue we get quite often unfortunately.

    What happens when the Seller knows about a defect with the house and fails to disclose it?

    What happens when the Seller does not know?

    What happens when the inspector misses an issue with the house?

    What happens when the Realtor knows (or doesn't know) about an issue with the house?

    What is the main case in Florida that discusses this issue?

    What do you think?  Let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Break The BusinessEpisode 110:Break The Business

    Another week, another guest from Podfest Multimedia Expo 2018.  This week's guest is Ryan Kairalla, an entertainment law attorney.

    You can connect with Ryan:

    www.BreakTheBusiness.com

    breakthebusiness@gmail.com

    Twitter: @ryankair

    Also check out the Break The Business Podcast, and Ryan's book, Break the Business available on Amazon, Audible, Apple Podcasts and other book outlets that don't begin with the letter "A."

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

  • The 10 Most Expensive Tax Mistakes that Cost...Episode 109:The 10 Most Expensive Tax Mistakes that Cost...

    The deadline to file your personal income tax return is in a few days.  Therefore, in Episode 109, we talk with Craig Cody, who we met at Podfest 2018, about the 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands.

    You should use your CPA as a resource to plan for your business. And in that spirit, Craig is offering all of our listeners a gift.  You can pick up Craig's book at:

    www.CraigCodyandCompany.com/crushingdebt

    You can also connect with me at Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Form 1099-C, Cancellation of DebtEpisode 108:Form 1099-C, Cancellation of Debt

    On this week's episode, I talk about a recent case: The mortgage lender modified my client's loan and put the arrears at the end of the loan.  Years later, the mortgage lender wrote off the debt and issued my client a 1099-C, Forgiveness of Debt, showing the home owner had phantom income.  Sometime later, the client came to me to file a Chapter 13 bankruptcy. When the lender filed its claim in the bankruptcy case, the lender included the amount of debt previously forgiven!

    The status of the law is unclear and states differ on the effect of issuing the 1099-C form (Florida hasn't made a decision as far as I know). How did we resolve the issue? If I gave it way in these notes, why would you listen to the episode?

    If you file bankruptcy and your creditors try to pursue debt previously forgiven by a 1099-C, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • HelloAlex.ioEpisode 107:HelloAlex.io

    This week's episode of the podcast is an interview with Dave Fulk and Frank Coto with Hello Alex.

    Check out what Hello Alex can do at HelloAlex.io

    Hello Alex is an Artificial Intelligence system to help Realtors communicate with their clients and prospects.  Hello Alex helps Realtors convert leads over multiple platforms using Artificial Intelligence (text, FB messenger, Live Chat, etc.).

    For more information, check out HelloAlex.io.  Or you can reach out to me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Christie Arkovich discusses RobocallingEpisode 106:Christie Arkovich discusses Robocalling

    Christie is back for her fourth episode of The Crushing Debt Podcast.  Bear with me this week, as I deal with some laryngitis.

    Christie and I have discussed student loans, but in this episode, we're going to talk about consumer law - the TCPA (Telephone Consumer Protection Act).

    The TCPA is designed to stop robocalling, and abuse or harassment of borrowers by creditors.  Creditors can pay damages of between $500  and $1,500 PER CALL if they are told to stop making calls and cease to do so.

    To contact Christie, visit her website www.ChristieArkovich.com or 813-258-2808.

    You can also reach us at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

     

  • Mary Wheeler of Abundant Wealth SolutionsEpisode 105:Mary Wheeler of Abundant Wealth Solutions

    We have a great guest to kick off Year 3 of content here at The Crushing Debt Podcast.

    We met Mary Wheeler, of Abundant Wealth Solutions, at PodFest Multimedia Expo 2018 this past February in Orlando, FL.

    Mary is a financial coach who holds local workshops, speaking to high school and college students about the dangers of debt.  Mary's mantra is "Know debt, no problem!" and that makes her a perfect guest for The Crushing Debt Podcast!

    What we found incredible was that Mary eliminated over $30,000 of debt in 96 days!  Hear her story and her tips in this week's episode.

    Mary can be reached at www.abundantwealthsolutions.com

    Or reach out to us at Shawn@YesnerLaw.com or www.YesnerLaw.com 

  • Property Tax PortabilityEpisode 104:Property Tax Portability

    In this week's episode of podcast (the last of Year 2), we talk about Property Tax Portability. 

    Applications to qualify your FL residence as your Homestead were due March 1, however what happens if you move from one primary residence to another?

    Florida has a "Save Our Homes Cap" that prevents the taxable value of the homestead property from increasing by more than 3% from year to year.  Previously, when the homeowner moved, they lost that 3% cap.  In response, the Legislature enacted "portability" that allows the homeowner to carry with them (to port) their 3% savings from one homestead to another.

    For more information, of if you want to ensure that your homestead was ported properly, contact us at Shawn@YesnerLaw.com or www.YesnerLaw.com 

  • Bankruptcy Cases "Dead on Arrival"Episode 103:Bankruptcy Cases "Dead on Arrival"

    In this week's episode, we talk about bankruptcy cases that are DOA or Dead on Arrival - meaning a bankruptcy case that is dismissed within 6 months of being filed.

    This week's episode is based on an article in the ABI Journal article written by Ed Flynn, a consultant with the ABI (American Bankruptcy Institute.  You'll remember Mr. Flynn, who also wrote an article that was the basis for Ep 79, Chapter 13 Success Rates.

    Today's episode reviews different factors that may cause a case to be DOA - or dismissed within 6 months.  Some of the factors analyzed by Mr. Flynn include:

    Filed pro se (without an attorney)

    Filed jointly (by husband and wife)

    A second or third filing

    Filed without paying the filing fee

    Filed "bare-bones" (without supporting schedules)

    Involved real property

    We discuss all of these statistics, as well as give our spin on Mr. Flynn's findings.  If you want to see the article written by Mr. Flynn, please email me at Shawn@YesnerLaw.com.

  • Protect Yourself from Creditors with Michael...Episode 102:Protect Yourself from Creditors with Michael...

    This week, we have a returning guest - Michael Holmes with Delta Credit Restoration.  Michael was a guest on Episode 94.

    In this week's episode, we talk about Debt Negotiation, and the creditor's violation of debt collection laws.  If you're being contacted by a debt collector, there are some things you can do to protect yourself.

    To contact Michael, visit his website or call him at 813-567-5855

    Or, you can contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • Conversation with Bankruptcy Attorney Carmen...Episode 101:Conversation with Bankruptcy Attorney Carmen...

    This week's episode is an interview with Attorney Carmen Dellutri, a Board Certified Bankruptcy Attorney.

    Carmen can be reached via his website.

    Or order his new book on Amazon: Are You The Next Success Story? Take Back Control of Your Finances

    Email Casey Byrus: CByrus@DellutriLawGroup.com and let her know you listened to this show, Carmen will mail you a book for free !!

    Carmen and I talk about creditor harassment and how you can use the bankruptcy laws and consumer protection laws to help eliminate their debts.

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

  • Episode 100!Episode 100:Episode 100!

    I struggled with whether to make Episode 100 something different, or business as usual with another Crushing Debt Topic.

    I hope you enjoy this combination of the two ...

    I take a look back at the topics we've covered and the guests we've interviewed, to get a sense of where we've been, and where we are, so we can produce great content for you for the next 100 episodes.

    If this is the first episode you've listened to, Thank You !

    If you've been a listener for the last 99 episodes, Thank You!

    This is my podcast, but it is for you, so what topics do you want me to cover? What guests do you want me to interview?  How can I help you eliminate those financial bullies in your life?

    Shawn@YesnerLaw.com or www.YesnerLaw.com 

    Thank you!!

  • Christie Arkovich and Parent Plus LoansEpisode 99:Christie Arkovich and Parent Plus Loans

    In this episode of the podcast we talk, again, to Christie Arkovich about student loan debt relief. 

    Did your parents co-sign for your student loan? Did your parents borrow money to pay for your education? Federal Parent Plus loans are exactly that, money that mom and/or dad borrow so their child can go to school.  In most cases, the child has an agreement to pay back mom and dad, but this agreement has no impact on the Federal Student Loan and its repayment.  So what happens if the child cannot pay back the loan, in other words pay back the parents?  Unfortunately mom and dad are still on the hook to the loan company. Christie has some good suggestions to help ease the pressure on mom and dad.

    Christie and I also talk about a new Fannie Mae program where the homeowner can borrow money secured by a second mortgage against their home, to pay off their student loans - basically converting student loan debt into mortgage debt.  You'll hear why I think this is a HORRIBLE idea, and you'll hear Christie's take on Fannie Mae's offer to help student loan borrowers with this new loan product.

    If you have questions, or if you're struggling to pay back your student loans, you can contact Christie at 813-258-2808, www.ChristieArkovich.com, www.TampaBankruptcyLawyer.com. 

    Or you can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com 

  • B.O.U.N.C.E. back with Robin LavitchEpisode 98:B.O.U.N.C.E. back with Robin Lavitch

    This week's guest is a returning guest from Episode 92 ("What's Your Relationship with Money?").  In this episode we discuss how to B.O.U.N.C.E. back from setbacks.

    BOUNCE stands for:

    Beliefs

    Optimism

    Understanding Yourself

    Nurturing Connections

    Compassion

    Efficacy (having a sense of the ability to achieve or esteem)

    In this episode we talk about how to change or overcome your beliefs.  What are some of your beliefs in terms of money and overcoming set backs?

    You can contact Robin at www.SurpassYourGoal.com.  Or you can contact me at Shawn@YesnerLaw.com or www.yesnerlaw.com.

    For those of you who want to visit the Yesner Law YouTube page, you can see a great out-take from our recording of this episode!

     

  • Cost Segregation with Michael WatkinsEpisode 97:Cost Segregation with Michael Watkins

    In this week's episode, we interview Michael Watkins with Tampa Bay Advisory, LLC.

    Michael's company helps with tax incentive recovery - basically the ability to reduce a company's bottom line so that the company pays less taxes and makes more money.  Most people know this as cost segregation, which is the ability to depreciate certain asset classes on an accelerated basis different than other asset classes.

    You can contact Michael at MWatkins@tampabayadvisory.com, call him at 727-243-6467.

    If you have more questions for me, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

     

  • Usury LawsEpisode 96:Usury Laws

    In this week's episode of the Crushing Debt Podcast, I get away from interviews for a bit and talk about Usury Laws.

    Usury Laws protect consumers from lenders who charge an excessive rate of interest.  I had a usury issue come up in one of my cases and I thought it would be interesting to explore the issue in the podcast.

    The issue is whether unpaid late charges on a mortgage can be "captured" as interest to drive up the interest rate on a residential note and mortgage to a level over 18% (which is usurious in Florida).

    What do you think?  Please let me know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

     

  • Entertainment Lawyer Gordon FiremarkEpisode 95:Entertainment Lawyer Gordon Firemark

    Welcome to the first Crushing Debt Podcast of 2018!

    In Episode 95, I interview Gordon Firemark, an attorney for the past 25 years, who helps artists, writers and producers achieve their dreams.

    Gordon is also a podcaster.  His show is The Entertainment Law Update Podcast.  

    Gordon and I discuss Entertainment Law and Intellectual Property Law (copyrights and trademarks).

    Gordon also has The Law Podcasting Podcast - how to help attorneys create manage and promote their own podcast (I was a guest on that show).

    Finally, Gordon has a course on how to protect your online course and seminar, as well as a ton of other material on entertainment law and intellectual property law.

    If you have specific questions, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com

     

  • Michael Holmes with Delta Credit RestorationEpisode 94:Michael Holmes with Delta Credit Restoration

    In this week's episode of the podcast (our last of 2017), I interview Michael Holmes with Delta Credit Restoration, which helps clients with debt settlement and credit restoration.

    Delta Credit Restoration is unique in that they will only seek to eliminate inaccurate information from your credit report, and they also try to educate borrowers to get better decisions around credit so that their clients don't continue to make the same mistakes that got them into the credit trouble to begin with.

    In addition, Delta Credit Restoration provides a reasonable alternative to bankruptcy by helping to settle debts that are behind - although they are NOT a debt consolidation company.

    You can contact Michael at 813-567-5855 or www.DeltaCreditRestoration.com.

    If you have further questions, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.

    Have a Happy and Safe New Year and we'll speak to you again in 2018!!

  • Christie Arkovich & Public Service Loan...Episode 93:Christie Arkovich & Public Service Loan...

    In this week's episode, we have a returning guest, attorney Christie Arkovich, discussing student loan forgiveness under the Public Service Loan Forgiveness Program.

    Christie and I talked in Episode 50 about different ways to eliminate or negotiate student loan debt.

    Today, we talk about the Public Service Loan Forgiveness Program - which is a 2007 program instituted by President Bush, that allowed student loan borrowers to pay based on what they could afford, and satisfy the debt after a certain period of time (without paying it back in full) if they worked in a public service industry (versus working in the private sector).

    The problem is that many student loan borrowers are NOT in the program, even though they believe they are, and are being told by the student loan companies that they are in the program!

    Christie can help if you believe you are in one of these programs, or if you want to see if you qualify for one of these programs.  Christie can also help if you have other student loan issues.

    To contact Christie, please call 813-258-2808, or www.ChristieArkovich.com, or www.TampaBankruptcyLawyer.com.

    If you have questions for me, you can reach out to Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Robin Lavitch, WhatEpisode 92:Robin Lavitch, What's Your Relationship With...

    This week's guest on the Crushing Debt Podcast is Robin Lavitch with Surpass Your Goals.  Robin is a professional coach for businesses, professionals and tweens.

    Robin and I discuss your relationship with money, and how your mindset determines how much money you have!

    Do you experience a situation where you always struggle with having enough money, or do you think "I'll always be okay" and money seems to appear when you need it most? This stems from your relationship with money.

    Robin can help you identify your relationship with money, so that you know what you can change to "get" more money.

    You can visit Robin's website at: www.SurpassYourGoals.com

    If you have questions, contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com

  • Nick Raithel, REI 7-Hour BookEpisode 91:Nick Raithel, REI 7-Hour Book

    Nick Raithel is back as a guest on the Crushing Debt Podcast.

    Nick is back promoting the REI 7-Hour Book, a version of his 7-hour book system to help Real Estate Investors (REI) develop their own 7-hour book.

    Nick was previously on the show in Episode 64, and his system will help you:

    - Be viewed as an authority figure in the Real Estate Investor Space

    - Stand out from other investors (competitors) in your market

    - Create speaking opportunities, and other branding opportunities.

    To find out more information, please visit Nick's website: www.ContentCorps.net/Yesner

    To be completely transparent, following this link will benefit Yesner Law in tracking referrals to the REI 7-Hour Book from The Crushing Debt Podcast - but ultimately this opportunity benefits you who want to write a book, but don't have the time to do so.

    If you have questions, please contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com

  • Interview with Julie Shopa of Clarity FinancesEpisode 90:Interview with Julie Shopa of Clarity Finances

    Julie Shopa is a Profit First certified professional and, through her business, Clarity Finances helps her clients with bookkeeping and interpreting the financial health of her clients using the system created by Mike Michalowicz in his book Profit First.  

    The Profit First system focuses on the formula "Sales - Profit = Expenses" rather than "Sales - Expenses = Profit."  The system focuses on the adage "pay yourself first."

    You can contact Julie at Julie@clarityfinances.com, or call her at 610-548-5279, or visit her website at www.clarityfinances.com.

    If you have questions for me, please email me at Shawn@yesnerlaw.com or visit www.yesnerlaw.com. 

  • Happy ThanksgivingEpisode 89:Happy Thanksgiving

    This is the third Thanksgiving that The Crushing Debt Podcast has been in existence, but this is the first Thanksgiving where I have released an episode.

    I thought it would be a good idea to talk about what I'm thankful for in 2017.

    What are you thankful for in 2017?

    What great things have happened for you in 2017?

    Who do you want to mention in 2017?

    Please let us know all the great things that have happened to and for you in 2017.

    Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Polly Bauer of Swipe! The PodcastEpisode 88:Polly Bauer of Swipe! The Podcast

    Polly Bauer is the go-to expert for all things credit. After 35 years as a global credit expert, including consulting with major credit card organizations and multi-billion dollar corporations, she believes that credit is the new money. It’s energy. Past President & CEO of Home Shopping Network Credit Corporation, two-time award winning Author of books about credit, International corporate speaker, and Host of Swipe! Podcast.

    Polly is passionate about helping consumers harness their credit power with sound credit principals and intuitive wisdom.

    The Crushing Debt Podcast has a great relationship with Polly and with Swipe! The Podcast, and we hope you enjoy this episode.

    What are some of your tips and tricks for maximizing your Black Friday shopping experience?  Let us know at www.Facebook.com/YesnerLaw.

    You can reach Polly at: www.SwipeThePodcast.com, Swipe! The Podcast on Facebook, or @SwipeThePodcast on Twitter.

  • Interview with Tonya LonsburyEpisode 87:Interview with Tonya Lonsbury

    In this week's episode, I interview Tonya Lonsbury, a realtor with Berkshire Hathaway Home Services.

    I first met Tonya a few years ago when she worked for a marketing company, but then she left Florida to pursue some other opportunities in Tennessee and Atlanta, GA.

    Now, Tonya is back!  Tonya has a very strong background and understanding of the home buying and selling process as well as mortgage origination.

    Tonya's goal is to make sure that you live in a home that makes you happy, that makes you enjoy getting up in the morning, that makes you enjoy your neighborhood and your neighbors.  Tonya truly wants to make sure that home is where the heart is.

    You can reach Tonya at 727-280-6631, or Tonya Lonsbury Realtor on Facebook, or by email at tlonsbury@bhhsflpg.com.

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

     

  • More Garage Sale LessonsEpisode 86:More Garage Sale Lessons

    My community has a garage sale twice a year and in this Fall's community garage sale, a lesson occurred to me - presentation is everything.

    In episode 68 of the podcast, I analogized creditor negotiations with negotiating at a Garage Sale.

    In this week's episode, I share negotiation lessons that I learned from participating in our community garage sale, specifically regarding how an item's presentation impact its sale-ability. Using that analogy, if you are a real estate investor (or in sales of any kind) how are you presenting your properties, how are you presenting your offers, how are you presenting yourself?

    These are all topics I discuss in this week's episode.  If you have any feedback on "presentation" please comment, and if you like the episode, please share with others you know who are in sales.

    You can find more information on our website - www.yesnerlaw.com or email me directly at Shawn@Yesnerlaw.com 

  • Zombie Debt !!Episode 85:Zombie Debt !!

    Just a few days prior to Halloween, I get to discuss a scary topic - ZOMBIE DEBT !!

    You'll likely have a few Zombies show up to your house on Halloween, but we're talking about a different type of undead...

    Zombie Debt is debt that was eliminated because it is beyond the statute of limitations, it was charged off, it was eliminated in bankruptcy, it was paid off, or something else happened to make it go away, but years later, the debt (through a debt collector) rises from the dead and tries to take money from you to satisfy the otherwise uncollectible obligation.

    This episode focuses on strategies to finally eliminate Zombie Debt!

    For more information, or if you're being chased by Zombies, please reach out to us at Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Client Success StoryEpisode 84:Client Success Story

    This week's episode is one of my favorites, because I get to share a success story around a client who was being chased (harassed) for over $21,000 related to the repossession of a jet ski.  The best part about this story is that I was able to convince the creditor to leave my client alone and drop the debt entirely - from $21,000 owed to $0 owed !!

    How did I do it?  You have to listed to the episode.

    If you have a creditor chasing you for money and you do not believe that you owe it, or you do owe it but are unable to figure out how to pay it, you do have options other than bankruptcy.  Please contact me and we can discuss your situation.

    Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Freddie Mac Exclusionary List UpdateEpisode 83:Freddie Mac Exclusionary List Update

    In this week's episode of the podcast, I look at the last 9 requests to Freddie Mac to take people off of their Exclusionary List.  If you want to hear more about the Exclusionary List, please listen to Episode 32.  This episode is about different things I've learned in trying to get people off of the List - my successes and failures.

    I would appreciate if you would share this episode with a mortgage originator, realtor or title company you know because they are the ones who can refer people who are on the List to me for review, and in this area of the law, I can represent people all over the country!

    Please refer them to Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Non-Dischargeable DebtsEpisode 82:Non-Dischargeable Debts

    In this week's episode of the Podcast, we talk about debts that are non-dischargeable, meaning these debts are not eliminated by a bankruptcy filing.  The episode comes from from a listener question about a debt arising from domestic violence.

    Some examples of non-dischargeable debt include:

    - Certain Income Tax Liabilities

    - Debts that arise from fraud

    - Debts that relate to injury or damage related to operation of a motor vehicle while drunk or intoxicated

    - Creditors who are not included in the bankruptcy filing

    - Student Loan debts

    What other debts do you think are or are not dischargeable?

    Let us know at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Business Bankruptcy with Samantha DammerEpisode 81:Business Bankruptcy with Samantha Dammer

    In this week's episode, we interview Samantha Dammer, owner of Tampa Law Advocates to discuss Chapter 7 Bankruptcy for businesses.

    Samantha has been practicing just as long as I have - 18 years as of the recording of the podcast episode, and has been practicing bankruptcy in Florida for 10 years.

    Some of the issues we discuss:

    - When would a Chapter 7 be appropriate for a business

    - Why would a business want to file bankruptcy

    - The benefits (and some drawbacks) to filing a business Chapter 7

    - The mechanics of a business Chapter 7

    - And other topics

    You can contact Samantha at 813-288-0303 or visit her website at www.tampalawadvocates.com.

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

  • DebtorEpisode 80:Debtor's Prison

    In this week's episode, I welcome my friend Matt Lapointe, an attorney with the firm Blalock Walters in Brandenton, FL.

    Matt and I were talking recently about the number of clients I have who all fear being taken to prison for failure to pay a debt - called debtor's prison.  In fact, debtor's prison no longer exists and so Matt, a self-described history buff researched the issue of debtor's prison and we discuss this history of debtor's prison in this week's episode of the podcast.

    You can reach Matt at mlapointe@blalockwalters.com or 941-748-0100.  Matt focuses on corporate and transactional law (meaning he does not go to Court, although he has attorneys in his firm who do if necessary).

    You can contact me at Shawn@Yesnerlaw.com or www.yesnerlaw.com. 

  • Success Rates in Chapter 13Episode 79:Success Rates in Chapter 13

    I found an interesting article about success rates in Chapter 13, reorganization cases that I summarize in this week's episode.

    For purposes of the article and podcast, "Success" means that the debtor completed all payments in his Chapter 13 bankruptcy.  The results are interesting in determining:

    - Should you file individually or jointly with a spouse?

    - Should you file on your own or with an attorney?

    - What are the Success Rates on your second chapter 13 (after the first one was unsuccessful).

    Please let me know what you think of this statistical analysis, and if you want a free copy of the report, please contact me at Shawn@Yesnerlaw.com.

  • Interview with Paul MooreEpisode 78:Interview with Paul Moore

    In this week's episode, I interview Paul Moore with Wellings Capital, and author of The Perfect Investment.

    Paul and I discuss strategies to minimize tax liability.  As a disclaimer, neither me or Paul are CPA's, Tax Attorneys, or otherwise, but we both have some knowledge and experience with the material.

    We discuss strategies like:

    - Investing in Real Estate

    - Hiring a Tax Strategist

    - Use Cost Segregation to Accelerate Depreciation

    - 1031 Exchanges

    - and more.

    You can contact Paul and order his book The Perfect Investment on his website www.wellingscapital.com, or from Amazon at https://www.amazon.com/Perfect-Investment-Enduring-Historic-Multifamily-ebook/dp/B01M0UDZ4D/ref=sr_1_1?ie=UTF8&qid=1504727528&sr=8-1&keywords=The+Perfect+Investment  

    Or you can order his report that forms the basis of this episode on his website, or from Paul directly at Paul@WellingsCapital.com. 

    In addition, check out Paul's Podcast - The How To Lose Money Podcast on iTunes and Android podcast players.

    You can also contact me at www.yesnerlaw.com or Shawn@Yesnerlaw.com 

  • The Scholarship SystemEpisode 77:The Scholarship System

    In this week's episode of the podcast, I interview Jocelyn Paonita from The Scholarship System.

    This was one of my favorite interviews. Jocelyn was able to have her entire college education paid for by scholarships. The Scholarship System helps people find scholarships for students at all levels of education, wherever scholarships may be available.

    Student loan debt is a serious issue in our economy and Jocelyn's example and her systems can help reduce student loan debt before the students actually incur the debt!

    The Scholarship System helps people find the scholarships, and then they implement strategies to complete the application for the scholarship.

    You can find more information, as well as Jocelyn's contact information at www.thescholarshipsystem.com.  Check out their blog, the free webinar, and all of the other information on the website!

    You can reach me with student loan questions at www.yesnerlaw.com or shawn@yesnerlaw.com

     

  • Living a Spectacular Life, My Referrals for Life...Episode 76:Living a Spectacular Life, My Referrals for Life...

    This week's episode was recorded during a Referrals for Life social at my house.

    I had 5 guests:

    Tom Fleming- TomF@BNI.com (BNI Executive Director and Asentiv Trainer)

    Rob Kellog - Rob@FastBreakMarketingTeam.com (Fast Break Entertainment and Brewing Up Business)

    Tiffanie Kellog - TiffanieK@asentiv.com (Asentiv Trainer, Fast Break Entertainment and Brewing Up Business)

    Jason Avery - Jason@AveryHomeRemodeling.com (Avery Construction, Asentiv Trainer, Constructing Success, Inc., and a new Cabinet Company startup)

    Dr. Marnita Sandifer - SpaCafe@RoadRunner.com (Spa Cafe and BNI Trainer)

    Shawn Yesner - Shawn@YesnerLaw.com (Yesner Law, Florida Suncoast Title, Crushing Debt Podcast, BNI Trainer)

    We talk networking, business generation, referral generation, and something that connects all of us - every speaker on this week's podcast has multiple streams of revenue in addition to their primary business.  From my perspective, I always try to align myself with successful and positive people.

    If you live in the Tampa Bay area and want to learn more about Referrals for Life and joining our community here in Tampa Bay, please contact me (or any of the guests on this week's show). What you'll learn is that the goal of the Referrals for Life community is for us all to live a spectacular life !!

  • Quit Claim Deeds and Quiet Title LawsuitsEpisode 75:Quit Claim Deeds and Quiet Title Lawsuits

    In this week's episode of the podcast, we talk about whether a quit claim deed or a quiet title lawsuit can stop a foreclosure, from a listener of the podcast!

    Many people believe that transferring a home to a third party and then filing a quiet title lawsuit will defeat a foreclosure lawsuit.  Unfortunately, under FL law, the answer is "no."

    How I get to that answer is in this week's episode.

    If you're facing foreclosure, please visit our website at www.YesnerLaw.com, or email me at Shawn@YesnerLaw.com

     

  • Attorney Bryan Levine on Association EnforcementEpisode 74:Attorney Bryan Levine on Association Enforcement

    This week's episode is Part II of my interview with Bryan Levine of Knox Levine, PA. IN this week's episode, we talk about the different enforcement mechanisms available to Homeowner and Condominium Associations.

    When can they claim a lien?

    What are they entitled to collect?

    If you are on the Board of your association, and you live in Florida, please call our friend Bryan Levine to represent your association.  www.knoxlevine.com or Bryan@KnoxLevine.com

    If Bryan is representing an association against you, please call me for a free consultation! www.yesnerlaw.com or shawn@YesnerLaw.com

  • Surplus Funds and AssociationsEpisode 73:Surplus Funds and Associations

    In this week's episode, we discuss what happens to surplus funds when someone buys a house at a foreclosure auction.  Surplus funds exist when the winning bidder paid more than the amount owed to the bank.

    This week's episode is a product of another listener question, and is an interesting take on a long-standing Florida Law regarding the association's ability to collect assessments against someone who bus the property at foreclosure auction.  What if there are excess funds following the foreclosure sale, but the person foreclosed still owes the association money?  Can the winning bidder force the association to take the surplus funds to satisfy the debt owed by the former owner?

    We're unsure if there is a clear legal answer to the question, but I give the logical answer in this week's episode.  Let us know what you think of my answer?

    If you buy property at foreclosure auctions, or if you focus on distressed properties, please reach out to us with any questions, comments or issues you have.  Shawn@Yesnerlaw.com or www.YesnerLaw.com

  • Association Questions with Bryan LevineEpisode 72:Association Questions with Bryan Levine

    In this week's episode, we interview Bryan Levine.  Bryan is a partner at Knox Levine, a firm that focuses on representing condominium and homeowner associations.

    Recently, Florida passed a law known as the "Estoppel Law," Senate Bill 398.  This new law governs certain aspects of what an association can or cannot do when issuing an estoppel letters - those letters that associations issue to let the homeowners know what they owe, what assessments are due, and other financial aspects of the property.

    Some things included in the law:

    1. The time-frame within which the Estoppel Letter must be issued;

    2. A cap on the amount the association can charge for the letter;

    3. Describes what information must be included in the Estoppel Letter;

    4. The Estoppel Letters must be valid for 30 - 35 days.

    If you are on the Board of the association, or an association management company, reach out to contact Bryan Levine at 727-223-6368, www.knoxlevine.com, or Bryan@knoxlevine.com.

    If you get a letter from an association and have questions, please send me an email at Shawn@YesnerLaw.com or www.YesnerLaw.com.

     

  • Listener Questions AnsweredEpisode 71:Listener Questions Answered

    In this week's episode of the Crushing Debt Podcast, I answer more listener questions, like:

    1. Can you finance a car while in a Chapter 13 bankruptcy?

    2. Can a landlord garnish wages?

    3. Does it pay to fight a lawsuit against me seeking $1,200?

    4. Is a homeowner entitled to surplus funds following a foreclosure sale?

    5. Can sellers change their mind about selling their property?

    Thank you for supporting the podcast by sending in some great questions.  We hope you enjoy the content and please keep the questions coming.  If you have questions related to any of the above questions that I answered, please reach out at shawn@yesnerlaw.com, or www.yesnerlaw.com.

     

  • The Intersection of Association and Bankruptcy LawEpisode 70:The Intersection of Association and Bankruptcy Law

    In this week's episode, we talk about the intersection of bankruptcy and condominium / homeowner association law.

    Many times, people don't understand that they still owe their homeowner association or condominium association even though they filed bankruptcy. This is because the bankruptcy code says that assessments due post-filing (post-petition) are not dischargeable, or are debts that are unaffected by the bankruptcy filing.

    What do you think?  Should ongoing assessments be dischargeable after the bankruptcy is filed?  Let us know at Shawn@YesnerLaw.com or www.yesnerlaw.com.

  • Interview of Insurance Agent Richard FiccaEpisode 69:Interview of Insurance Agent Richard Ficca

    In this week's episode, we interview Richard Ficca, owner of Florida Coastal Insurance.

    Rich is a friend, referral partner, and mentor.  Rich has built a multi-million dollar insurance company.  He's been in the insurance industry for over 21 years, 15 of that as an instructor for other insurance agencies.  Rich is also an insurance agency valuation expert.

    Rich talks all about hurricane preparedness, but brings it into the 21st Century.  You'll hear Rich's explanation of:

    - How to document all of the stuff in your home.

    - What apps you should have on your phone.

    - Using a thumb-drive to store your personal information.

    - Why you should buy a $5 power strip.

    You can contact Rich at www.FloridaCoastalInsuranceAgency.com, or email him at Richard@FloridaCoastalInsuranceAgency.com, or call Rich at 727-569-6000 x 101.

    What are some of your best Hurricane tips?  Email me at Shawn@Yesnerlaw.com

  • Negotiations & Garage SalesEpisode 68:Negotiations & Garage Sales

    We recently had our neighborhood garage sale, and it occurred to me that I could use that opportunity to practice my negotiation skills with very little risk.

    When negotiating, you need to have two things in mind:

    1. What is your price (either as a buyer or as a seller)?  Know your value and be confident about it.  When dealing with a creditor, know your financial information, so you can be confident in the settlement offer to the creditor.

    2.  There is value in taking less or compromising - a value to "not put it back in the garage."  When settling debt, there is a value to getting the creditor to go away, even if the creditor is asking for more than what you want to pay. What is the opportunity cost inherent in settlement?  What is the emotional value to settle?

    If you have questions regarding debt settlement, please contact me at Shawn@YesnerLaw.com or www.yesnerlaw.com.

     

     

  • Interview with Business Coach Tom WolfEpisode 67:Interview with Business Coach Tom Wolf

    In this week's episode, we interview Tom Wolf, a business coach, author and speaker here in the Tampa Bay area.

    Tom's business excels at helping business owners to leverage themselves, so they can work on their business instead of in their business.  Tom has an interesting and diverse background.  He has owned an IT Staffing Company, 10 Great Clips Franchises.  Tom has a lot of experience in building and selling companies.

    Now Tom focuses on finding your purpose and has a 7-step program to answer the question, "who am I and why am I here?"  Tom also has a work-book related to his coaching program.

    To contact Tom or Pam Wolf, you can get ahold of them at:

    www.TomandPamWolf.com

    www.IdentityandDestiny.com

    Tom@TomGWolf.com

    You can contact me at Shawn@Yesnerlaw.com or www.yesnerlaw.com

  • Can I Rent My House if it is in Foreclosure?Episode 66:Can I Rent My House if it is in Foreclosure?

    Another week, another listener question.

    In this episode we answer a realtor question: "How does someone rent out a house in Foreclosure?  Is this a scam?  It is in the MLS"

    Interestingly, this is not, necessarily, a legal question.  It may be a moral question.

    What do you think?  Let me know if you think it should be proper to rent out your house while the house is in foreclosure.

    Shawn@Yesnerlaw.com

    www.yesnerlaw.com

  • Tips on Consolidating DebtEpisode 65:Tips on Consolidating Debt

    In this week's episode, we answer a question from a listener in Colorado.

    "I no where near the point of bankruptcy, but my husband and I have a lot of debt and are treading water trying to stay afloat most of the time.  Any tips on consolidating debt or getting things paid off quickly for the self-employed."

    First, the laws are different between Colorado and Florida.

    Second, what type of debt are we dealing with - unsecured debt, secured debt, student loans, IRS, credit cards, hospital bills, etc.?

    In this episode, we answer the listener questions with some tips on consolidating and ultimately crushing your debt.

    Please share this episode on social media if you enjoy the content!

    You can contact me at Shawn@YesnerLaw.com or www.yesnerlaw.com

     

     

     

  • The Seven Hour Book with Nick RaithelEpisode 64:The Seven Hour Book with Nick Raithel

    Would you like to write a book in seven hours or less?  Do you want a system to get a professionally-published book in seven hours or less?

    This week's guest is Nick Raithel of The Seven Hour Book.  Nick can put together content, create graphics, help with publishing, and anything else necessary to get a book completed that you write!

    So how does this have to do with Crushing Debt?  Writing a book will position you as a leader in your industry, thus generating direct revenue (from book sales) or indirect revenue (through search engine optimization, speaking engagements, etc.).  In addition, providing material through a published book is a way to give back to the community by sharing information.

    You can reach Nick by going to his website www.contentcorps.net.

    If you have questions about becoming a published author in 7 hours or less, please contact Nick.

    If you have questions that I can answer, please contact me at www.YesnerLaw.com.  If you want more information about our upcoming book, Crushing Debt, please email me directly at Shawn@YesnerLaw.com with the subject line "Crushing Debt Book."

  • Juliet Kyes of ActionCOACH Tampa BayEpisode 63:Juliet Kyes of ActionCOACH Tampa Bay

    Episode 63 of the Crushing Debt Podcast is our interview with Juliet Kyes of ActionCOACH Tampa Bay.

    One way to eliminate debt is to work with a business coach and ActionCOACH Tampa Bay is one of the best,  not only in the Tampa Bay area, but also within the ActionCOACH Franchise.

    Juliet and I discuss:

    - The Five Ways, which is an ActionCOACH system designed to help increase results in business.

    - The ActionCOACH library of materials.

    - OMG! WTF?  What's the Focus?: A Guide for Building an Actionable Business Plan by the ActionCOACH Tampa Bay team.  You can find it here on Amazon: https://www.amazon.com/OMG-WTF-Whats-Focus-Actionable/dp/0692443290/ref=sr_1_1?ie=UTF8&qid=1495052695&sr=8-1&keywords=juliet+kyes

    And other great material!

    You can reach Juliet by going to her website: www.ActionCOACHTampaBay.com 

    You can reach us at Shawn@YesnerLaw.com or www.YesnerLaw.com 

  • Eviction, Ejectment and Detainer ActionsEpisode 62:Eviction, Ejectment and Detainer Actions

    In this week's episode, we explain the difference between an Eviction, and Ejectment and an Unlawful Detainer lawsuit.

    Sometimes, landlords and even Courts and attorneys confuse the difference between the three types of cases.

    All three types of lawsuits accomplish the same goal - getting someone or something off or out of the owner's property.  However, how we get there is different for each type of lawsuit.

    We hope you enjoy this week's episode.  Please let us know if you have any questions - shawn@YesnerLaw.com or www.yesnerlaw.com 

  • Interview with Public Adjuster Andrew GordonEpisode 61:Interview with Public Adjuster Andrew Gordon

    In this week's episode of the Crushing Debt Podcast, we interview Andrew Gordon with Reliable Claims Adjusting.  Andrew is a Public Adjuster - meaning he works for the insured (the homeowner) versus the insurance company.

    Andrew is the insured's advocate against the insurance company to maximize recovery when there is a loss that is covered by insurance.

    In this week's episode, we discuss some things people can do to protect themselves either before or after a loss has occurred.  Andrew also discovers a few of his  success stories.

    If you've suffered a loss to your home, or what to know what to do in the event you suffer a loss at your house, contract Andrew at 813-786-5771 or http://www.reliableclaimsadjusting.com/

    To contact Yesner Law, please email Shawn@YesnerLaw.com or www.YesnerLaw.com.

     

  • WhatEpisode 60:What's the Difference between As-Is versus Repair...

    I polled a group of about 100 FL Realtors on which residential real estate contract is better for Buyers or Sellers, the "As-Is" Contract or the Repair Limit contract. The answers are in this week's Crushing Debt Podcast!

    I regularly speak at BABA (Become A Better Agent) for Insured Title Company.  The last time I spoke, we debated the pros and cons of the two versions of the Florida Real Estate Contract in use by most FL Realtors. 

    The "As-Is" contract gives the buyer the right to cancel the contract after doing inspections, if the Buyer finds that the property is not acceptable.

    The "Repair Limit" contract allows the seller to fix the property up to a certain repair limit.  If the repairs exceed that limit, either party can cancel the contract, or the Buyer can agree to make repairs in excess of the dollar repair limit.

    Which do you think is better for Sellers?  Which do you think is better for Buyers? 

    Email me at Shawn@Yesnerlaw.com or www.yesnerlaw.com

  • Interview with Jason Crawford, Fierce!Episode 59:Interview with Jason Crawford, Fierce!

    Episode 59 of the Crushing Debt Podcast is a great interview with Jason Crawford. Jason's company is called Fierce, Inc., and they help clients with visual marketing.

    Fierce, Inc. takes your message, your vision and mission, and describes those things visually, to create more engagement with your customers, clients, referral sources, and the general public.

    We talk about social media, Facebook Live, content creation, and other engagement topics.

    To contact Jason, visit his website at www.wearefierce.net or JCrawford@wedarefierce.net, or his phone number is 813-789-5773.

    To contact us, please email Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • The Failla Case and its Impact on Bankruptcy and...Episode 58:The Failla Case and its Impact on Bankruptcy and...

    In Episode 58 of The Crushing Debt podcast, we discuss a case called In Re: Failla. This case impacts both bankruptcy and foreclosure cases in Florida, and was a win for lenders, against homeowners and borrowers.

    Mr. and Mrs. Failla bought a house in Boca Raton, Florida.  Eventually circumstances caused them to fall behind on their mortgage and the bank filed a foreclosure.  The Faillas then decided to eliminate their debts in bankruptcy, including stating their intent to "surrender" their house to the mortgage company.

    However, when the bank proceeded to foreclose, based on the Failla's intent to surrender the house, the Faillas fought the foreclosure case.  The bank objected to the Failla's actions.  The case found its way to the 11th Circuit Court of Appeals in Atlanta, GA (which governs bankruptcy and Federal Court cases in Florida, Georgia and Alabama).  The decision is from October 2016 and now, unfortunately, means that when someone in bankruptcy indicates an intent to "surrender" the house, they're no longer allowed to later defend the foreclosure case.

    Do you agree with the Court's decision?

    Please let us know at Shawn@Yesnerlaw.com or www.yesnerlaw.com.

  • Interview with AFLAC Agent Brian MorrisEpisode 57:Interview with AFLAC Agent Brian Morris

    Regular listeners to the Crushing Debt Podcast know that we are HUGE fans of AFLAC.

    In this week's episode, we interview Brian Morris, We talk about a very personal story about why Brian became an AFLAC Agent.

    AFLAC helps people with short term disability for accidents, cancer, and other situations.  AFLAC pays money to bridge the gap between the promise of health insurance, and the protection of health insurance.

    Not only is Brian responsible for helping business owners and individuals obtain AFLAC, he is also responsible for growing his AFLAC team here in the Tampa area.

    If you are interested in AFLAC, either to purchase a policy or become part of Brian's team, please contact him at 727-492-9960 or David_Morris@us.AFLAC.com (Brian's first name is actually David).

    To contact us, please reach out at Shawn@Yesnerlaw.com or www.yesnerlaw.com.

  • Real Estate Contract UpdatesEpisode 56:Real Estate Contract Updates

    In Florida, there is a committee made up of 10 Realtors and 10 attorneys that get together every few years to review the standard form contract in use by most residential real estate agents in Florida.  The contract is called the FAR/BAR (Florida Association of Realtors / Florida Bar).  The intent of the contract is to provide a fill-in-the-blank form for Realtors to use to avoid an allegation of the unlicensed practice of law.

    In this week's episode, we discuss some of the major changes that just went into effect on April 4, 2017, including:

    • What are the duties of Buyer and Seller with respect to expired or unpermitted work;
    • The location of the closing;
    • Changes to the financing contingency, including a definition of the phrase "diligent effort;" and
    • Approval to obtain notice if the Buyer does, or does not, obtain financing.

    This is not an exhaustive list of all the changes.  If you have questions about interpretation of the revised FAR/BAR, or any real estate contract, commercial or residential, please reach out to us at Shawn@YesnerLaw.com or www.yesnerlaw.com.

  • Interview with Personal Injury Attorney Marielis...Episode 55:Interview with Personal Injury Attorney Marielis...

    In Episode 55 of the Podcast, we interview Marielis Rivera, a personal injury attorney with the firm of Pipas Law Group.

    Like me, Marielis started on the "other side" representing insurance companies being sued by injured parties. Now, however, Marielis represents only injured parties.

    Many times, injured parties are unable to work because of their injuries and, when income drops, there is a ton of stress in addition to their injuries. Marielis does a great job of informing her clients of their options and helps her clients to manage their debts until the lawsuit is over.

    You can contact Marielis on her cell phone at 813-509-6606, or on Facebook.

    You can contact us at Shawn@Yesnerlaw.com or www.yesnerlaw.com. We would appreciate if you would leave a positive review of the Crushing Debt Podcast if you enjoy the content, and ask a friend to subscribe and listen to our weekly episodes!

  • Chapter 13 Case StudyEpisode 54:Chapter 13 Case Study

    In this episode of the podcast, we talk about a former client and an aggressive strategy we used to eliminate a potential mortgage deficiency.

    The client was divorced and her ex-husband kept the property. The problem for our client was that she was still on the Promissory Note and Mortgage. The divorce did not (and can not) eliminate her liability to the lender under the promissory note and mortgage.

    Years later, the husband passed away and the bank, in this case a credit union, pursued the ex-wife for foreclosure. Credit Unions never (in our experience) waive deficiency, so our client was still financially responsible to pay any deficiency to the Credit Union.

    The client did not qualify for Chapter 7, so we filed a Chapter 13 reorganization (or payment plan) bankruptcy, with the hope that the Credit Union failed to file a claim in the bankruptcy case (meaning the Credit Union would not get paid).

    It is an aggressive strategy because if the Credit Union had filed a claim in the bankruptcy case, they would have been entitled to payment and the payments to the bankruptcy court would have been unaffordable.

    We hope you enjoy this week's episode. If you have questions about how we were able to help her and why it is an aggressive strategy, please listen to the episode, or send us an email - shawn@YesnerLaw.com or www.YesnerLaw.com.

  • What Laws Ended in 2016?Episode 53:What Laws Ended in 2016?

    Welcome to Year 2 of the podcast.  As you have seen from previous episodes, we have re-branded the podcast and it is now The Crushing Debt Podcast, where our goal is to help you eliminate the financial bullies in your life.

    This week's episode is a review of the different laws that expired at the end of 2016, and some new case law that impacts foreclosure defense in 2017 and going forward, unless or until the Supreme Court makes a conflicting decision.

    What did we lose?  HAMP which helped with modifications, HARP which helped with refinances, HAFA which helped with short sales, and the Mortgage Debt Relief Act, which made mortgage and foreclosure deficiencies non-taxable.

    In addition, we discuss the Bartram case, which has a huge impact on foreclosure law here in Florida.

    We hope you enjoy the content, and we ask that you share this post and episode if you think the content has value!

    You can reach me at Shawn@YesnerLaw.com or www.YesnerLaw.com

  • Interview with Jason Avery, host of Room Full of...Episode 52:Interview with Jason Avery, host of Room Full of...

    Welcome to the last episode of the first year of the podcast!

    In this week's episode, we have a repeat guest, Jason Avery of Avery Construction and Constructing Debt. However, in this episode of the podcast, we talk to Jason about Room Full of Referrals provided by Jason through the company, Asentiv.

    In Room Full of Referrals, we learn that people are faster paced or slower paced, people oriented or task oriented. The seminar is highly useful in determining your own style, learning the behavioral style of other people, and how to use that information to better connect, and generate better referrals.

    Jason was my jury consultant a while back and used his behavioral style analysis to help me pick the right jury and win my case!  I also utilize tactic learned in Room Full of Referrals to better connect with potential clients and customers. In Room Full of Referrals we learn the Platinum Rule.  Everyone knows the Golden Rule - treat others the way you want to be treated.  The Platinum Rule is to treat others how they want to be treated.

    To reach me, please email Shawn@YesnerLaw.com or www.YesnerLaw.com. As this is Episode 52, we want to continue to provide value to you, our listeners. Please let us know what you like about the podcast, what we can improve about the podcast, and what you want us to keep the same about the podcast.

     

  • Student Loan Debt with Attorney Kelly PetryEpisode 51:Student Loan Debt with Attorney Kelly Petry

    In this week's episode, we interview attorney Kelly Petry.  Kelly and I discuss issues with Student Loans.

    Kelly and I discuss whether student loans are dischargeable in bankruptcy court, how student loans are treated in bankruptcy court, and some things that we can do in bankruptcy court to address the debtor's student loans.

    In certain circumstances, student loans are dischargeable.  In Tampa, we utilize the Brunner Test to determine whether a student loan can be eliminated by the bankruptcy court.  However, there is a very high standard to discharge a student loan in bankruptcy court.

    The Brunner factors are: (1) debtor cannot maintain a minimal standard of living if forced to repay the loans, (2) there are additional circumstances that show the debtor's financial condition is going to persist for the foreseeable future, and (3) that the debtor has tried to repay the student loan.

    While the standard is high, there have been some inroads and Congress is currently trying to determine if they can provide additional assistance to people trying to repay their student loans.

    To contact Kelly, please call her at 813-873-0713.

    If you have questions, please email me at Shawn@Yesnerlaw.com, or www.yesnerlaw.com. Please also share this podcast episode if you found it valuable!

  • Student Loan Debt with Attorney Christie ArkovichEpisode 50:Student Loan Debt with Attorney Christie Arkovich

    Student loan debt is becoming unduly burdensome.  Student loan debt is quickly becoming the biggest area of debt for borrowers who are having trouble making their monthly obligations.

    Christie and her firm can help people eliminate or negotiate student loan debt that was taken out by a parent or co-borrower for the student, or for schools that have closed. In addition, outside of bankruptcy court, there are other options to help students eliminate, reduce or negotiate their student loans.  Of course, if the borrower can prove "undue hardship" those cases may be dischargeable in bankruptcy court, but that is a high standard and rare.

    As you will hear there are many other avenues available to help people negotiate or eliminate their student loan debts, under various federal programs.

    We appreciate Christie being on the podcast. We have referred her clients who have been very happy with her services.

    Christie offers free consultations and phone consultations. To reach her, please call 813-258-2808 or www.ChristieArkovich.com, www.TampaBankruptcyLawyer.com.  Check out her student loan survival package on her website!

    If you have questions for me, or other topics that you would like to hear on the podcast, please contact me at Shawn@Yesnerlaw.com or www.YesnerLaw.com.

  • Will Foreclosures Increase in Florida?Episode 49:Will Foreclosures Increase in Florida?

    In Episode 49 of the Podcast, I discuss the case Bartram v. US Bank National Association, which was decided by the Florida Supreme Court in November 2016.

    Bartram is a significant decision in Florida because the FL Supreme Court holds that the bank can file a second foreclosure case, after dismissing its first foreclosure case, even if the date that the borrowers stopped making payments is beyond Florida's five-year statute of limitations.

    For whatever reason, some banks decide to dismiss foreclosure cases when those cases have a technical deficiency (ownership of the promissory note for example). If it took the bank too long to fix that issue, so that the date of default became more than five years old, some courts in Florida held that the bank could not foreclose again (because the default date was more than 5 years old).  Bartram reversed that line of thinking and, because it was decided by the Supreme Court of the State of Florida, that is now the "law of the land" in Florida.

    The Court did say that any payments that were past due more than 5 years are uncollectible as being beyond the 5-year statute of limitations, but the foreclosure itself could proceed as long as the bank alleged a default date that was within the five years - meaning the bank would simply waive any late payments that are more than five years past due and continue their foreclosure.  Already we've seen a slight increase in foreclosure filed under these circumstances.

    To learn more, please visit our website at www.yesnerlaw.com.  Or if you have questions, please email me directly at Shawn@Yesnerlaw.com.

    Also note we are changing the name and branding of the Podcast to Crushing Debt.  You'll hear the name change in Episodes 53 and beyond.  We've updated the logo with this episode and would appreciate any feedback!

  • Shawn Interviews Tiffanie Kellog who Interviews...Episode 48:Shawn Interviews Tiffanie Kellog who Interviews...

    In this Episode of the podcast, we have our friend Tiffanie Kellog back for an interview.  Tiffanie has a new book out, Knock the Socks off your Audience, to go along with her first book 4 1/2 Networking Mistakes and its accompanying workbook, Networking for Results.

    In this episode of the podcast, Tiffanie turns the tables and interviews me on what makes a good referral for Yesner Law, using some of the techniques she writes about in her books.

    You can find and order Tiffanie's books on Amazon.

    If you want to contact me, you can email me at Shawn@YesnerLaw.com or visit the website at www.yesnerlaw.com.

    Please leave a review or comment if you enjoy the content.

  • Show Me The Money!! An Interview with Loren...Episode 47:Show Me The Money!! An Interview with Loren...

    In this week's episode of the Podcast, we again interview our friend Loren Pincus.  In addition to being a personal injury and criminal law attorney, Loren is also a sports agent for Minor League Baseball.

    Loren has a few clients who may get called up to the big leagues, moving Loren to the big leagues as an agent himself.  While Loren is a fantastic attorney, you can hear in his voice that being a baseball agent is his true passion.

    This was one of my most interesting interviews and one I enjoyed the most.  Loren talks about what it takes to be a sports agent, particularly in Minor and Major League Baseball.

    You can learn more about Loren at www.GreenLineSportsManagement.com, or follow him on twitter @Greenlinesm.

    If you have any questions, you can email me at Shawn@YesnerLaw.com or visit our website at www.YesnerLaw.com.

  • How to Value an LLC in Bankruptcy CourtEpisode 46:How to Value an LLC in Bankruptcy Court

    When a small business owner files bankruptcy, their company becomes an asset of the bankruptcy case.  Therefore, the business owner needs to evaluate the value of the business.

    Some business owners want to say that their small business is worth nothing because if they don't work, the company doesn't make money and is worth nothing.  However, the bankruptcy judges and trustees in Tampa will not accept that argument, because the business has value.  What would a competitor pay to buy the business?  What is the value of the assets of the business?  What are its receivables?  What are its revenues?  Its profits?

    In this episode of the podcast, we review all of these different valuation techniques in connection with business owners who want to file personal bankruptcy.

    If you have questions that you think would make a great future episode, please let me know at Shawn@YesnerLaw.com.  You can also visit our website at www.yesnerlaw.com.

     

  • Interview with Tyler Sheff of The Cash Flow GuysEpisode 45:Interview with Tyler Sheff of The Cash Flow Guys

    In this week's episode, I have a conversation with Tyler Sheff of The Cash Flow Guys.  Tyler is a real estate investor, coach, consultant, podcast host, and most importantly a friend and mentor to me personally.

    Tyler is one of the real estate investors that does it right.  He always looks for a win-win scenario and coaches his students in the right way to buy and invest in real estate (i.e. without taking advantage of anyone).

    Tyler refers customers, clients and investors to Yesner Law and we very much appreciate the referral relationship we've created with The Cash Flow Guys.

    We recently acquired equipment that allows us to conduct podcast interviews by skype and Tyler was kind enough to be a guinea pig.  This episode is the result.  We hope you enjoy the content, and visit Tyler's website for more information.

    I can always be reached at shawn@yesnerlaw.com and www.yesnerlaw.com. 

  • The Five Factors that make up CreditEpisode 44:The Five Factors that make up Credit

    Typically, people dealing with foreclosure, bankruptcy or short sales are concerned about the impact those things may have on their credit.

    We focus on taking the mystery out of your credit score, so that you can focus on eliminating the potential liability to the creditor. However, understanding what makes up a credit score will help when facing foreclosure, bankruptcy or short sales, even though credit does recover quickly.

    The five factors are:

    • Payment History - 35%
    • Credit Utilization - 30%
    • Length of Credit History - 15%
    • Credit Mix - 10%
    • New Credit - 10%

    We discuss these factors in detail in this week's episode of the podcast.

    If you have questions we can answer in future episodes, please contact us at Shawn@Yesnerlaw.com or www.yesnerlaw.com.

     

  • Interview with Personal Injury Attorney Loren...Episode 43:Interview with Personal Injury Attorney Loren...

    In this week's episode of the Podcast, we interview attorney Loren Pincus, with the firm Yanchuck, Berman, Wadley, Zervos & Thomas.  Loren focuses on Criminal Law and Personal Injury Law.

    What should you do if you're involved in a car accident?  In this week's episode, Loren answers this question, as well as other questions like Uninsured or Underinsured Motorist Coverage, Bodily Injury Coverage, PIP Coverage, and Florida's recent law change that requires someone involved in a car accident to see a doctor within 10 days of the accident.

    You can reach Loren by email at LPincus@YanchuckBerman.com, or visit the firm's website , Loren's Facebook Page, or Twitter.  You can also call Loren's cell at 727-599-1579.

    We hope you enjoy this episode and if you have questions that would make good future episodes, please contact me at Shawn@YesnerLaw.com, or visit my website.

     

  • Bankruptcy Chapter 6.5Episode 42:Bankruptcy Chapter 6.5

    Bankruptcy Chapter 6.5 is a term of my creation and it references a situation where a homeowner files Chapter 13 bankruptcy to save their home through a mediated loan modification, but then dismisses the bankruptcy once the modification is completed - thus completing half of a Chapter 13 reorganization (13 divided by 2 equals 6.5).

    Recently, I posted a blog article and related podcast that asked the question "Why is Bankruptcy so Odd?" In that article, I never discussed Chapter 6.5.  You won't find Chapter 6.5 in any bankruptcy law book, code book, or rule book.  You won't even find it amongst any slang around the courthouse (unless, of course, this podcast episode and its related blog go viral).

    Today's episode covers when this might be a good strategy for someone in bankruptcy or foreclosure, and also covers why this strategy exists in the first place - it has to do mostly with the way payments are accepted and applied by the Chapter 13 Trustees here in Tampa, Florida.

    We hope you enjoy this episode.  If you have any questions, or if you have topics that you think would make a great future topic, please contact me at by email at Shawn@Yesnerlaw.com, or visit the Yesner Law website.

  • Interview with Civil Litigation Nickolas...Episode 41:Interview with Civil Litigation Nickolas...

    After a Thanksgiving Break, we're back!

    In this week's episode, we interview Attorney Nick Ekonomides again, but this time on the issue of commercial foreclosures.

    Commercial Foreclosures are different than residential foreclosures. Many of the defenses available in a residential situation are unavailable to the commercial defendants. In addition, other issues like assignment of rents and receivers often come up in commercial foreclosure litigation.

    If you enjoy this content, please let us know. If you have questions that would make good future podcasts, please contact me at Shawn@Yesnerlaw.com or www.yesnerlaw.com. 

  • Bankruptcy is OddEpisode 40:Bankruptcy is Odd

    In this week's episode of the podcast, we discuss bankruptcy and why it is broken into all odd-numbered chapters, except for one even-numbered chapter. We also go into a little detail about the differences between all of the bankruptcy chapters.

    We hope you enjoy this week's episode. Please let us know if you have any questions, comments or topics you want us to cover in future episodes.

    Shawn@YesnerLaw.com

    www.YesnerLaw.com

  • Interview with Home Inspector Matt FrieszEpisode 39:Interview with Home Inspector Matt Friesz

    In this week's episode of the podcast, we interview Matt Friesz with Properly Inspected Home Inspection.

    When buying a house, we HIGHLY recommend obtaining a home inspection and Matt is one of the best in Tampa Bay.  We discuss what a home inspection covers and what it doesn't cover.  We discuss what types of inspections Matt performs; he can do inspections for home buyers, home sellers, insurance purposes, and for other reasons.

    There's even a horror story or two in this week's episode.

    To contact Matt, please visit his website: www.properlyinspected.com.

    To contact us, please visit our website: www.yesnerlaw.com, or email me at Shawn@YesnerLaw.com

     

  • Interview with Civil Litigation Attorney Nick...Episode 38:Interview with Civil Litigation Attorney Nick...

    In this week's episode, we interview Nickolas Ekonomides, who practices in civil litigation.  Civil litigation and Nick's practice primarily focuses on disputes between businesses that owe money or are owed money.

    Nick and I discuss non-compete agreements, exclusivity agreements, and other issues that cause disputes between business owners or landlord / tenant.

    To reach Nick, you can visit his website at www.Eko-Law.com.  If you have questions, you can reach me at Shawn@Yesnerlaw.com, or www.yesnerlaw.com. 

  • Interview with Barb HennesseyEpisode 37:Interview with Barb Hennessey

    In this week's episode, we interview Barb Hennessey with The Joy Within, a company that uses somatic intuitive training to help people release and recover from their emotional stresses.  Barb can help people who have any type of emotional pain or trauma: the loss of a loved-one, PTSD, financial trauma.  This is where Barb overlaps with Yesner Law; she can help people who are upset at their current financial situation, where we can help people keep their creditors at bay, or eliminate those creditors entirely.

    Barb's contact information is 727-409-7428, www.TheJoyWithin.US, or Barb@TheJoyWithin.US.

    For Yesner Law, please contact us at Shawn@YesnerLaw.com or www.yesnerlaw.com.

     

  • What Happens When Only One Spouse Files?Episode 36:What Happens When Only One Spouse Files?

    We come across situations often where one spouse wants to file without involving the other spouse.  Maybe one spouse carries the debt.  Maybe the parties are divorcing.  The questions I get most often are: (1) can I file alone? (2) what happens to the debt of the other spouse? (3) how else will my spouse be affected.

    Sometimes this also comes up in situations where one roommate wants to file, and I've even had this happen a few times where the parties are in a relationship (whether straight or gay) and the question is "how does this affect my significant other?"

    The answer is that it really won't affect the non-filing party.  We explain further in this week's episode of the podcast!

    If you have questions, please contact me by email at Shawn@YesnerLaw.com, or on my website, www.yesnerlaw.com. 

  • Interview with Commercial Realtor David RosenthalEpisode 35:Interview with Commercial Realtor David Rosenthal

    In this week's episode of the Yesner Law Podcast, we interview David Rosenthal, who is a commercial real estate agent here in Tampa Bay.

    David has accounting experience and experience with helping his clients review a commercial real estate deal to see if it is a good fit for the client's needs.

    Commercial and Residential real estate are really two completely different things. Most residential realtors know nothing about commercial real estate.

    If you'd like to contact David, please call 813-245-7333.  David@GrimaldiCommercialRealty.com. 

    If you have questions that would make a great future episode, please contact us at Shawn@yesnerlaw.com or at www.YesnerLaw.com. 

  • Wells Fargo and Bankruptcy, a Bad MixEpisode 34:Wells Fargo and Bankruptcy, a Bad Mix

    Hello Yesner Law Podcast listeners.  This episode is all about Wells Fargo and Bankruptcy.  I wrote a blog about this topic below.  For this week's episode, I simply read the blog post because I think the content is still good and accurate.  I hope you enjoy.  If you have questions or ideas for another episode, please contact me at Shawn@yesnerlaw.com or www.YesnerLaw.com.

    http://www.yesnerlaw.com/blog/2013/08/bankruptcy-and-wells-fargo.shtml

    Each night, as we sleep, Wells Fargo combs the Federal electronic database of all new bankruptcy filings looking for a customer that filed Chapter 7 bankruptcy. When that happens, WF freezes the clients checking and savings accounts, thus denying the depositor access to his money.

    The apparent authority for Wells Fargo to do this comes from a United State Supreme Court Case, Citizens Bank of Maryland v. Strumpf, 516 U.S. 16 (1995).  In that case, the Supreme Court ruled that a deposit account is "nothing more or less than a promise to pay, from the bank to the depositor" and the bank's "temporary refusal to pay was neither a taking of possession of ... property nor an exercising of control over it, but merely a refusal to perform its promise."  Accordingly, the Court ruled that the freeze was allowed and did not sanction the bank for its conduct.

    Wells Fargo banking customers who live in the Tampa Bay Area and other areas comprising the Middle District of Florida will have to do some pre-bankruptcy planning.  The most logical strategy is to move the money from a Wells Fargo bank account to another bank (as of the writing of this article, Wells Fargo is the only bank that imposes this account hold.)  Another possible strategy is to remove sufficient case funds to cover regular expenses until such time as the Chapter 7 Trustee has an opportunity to review the schedules and send notice to Wells Fargo that the hold can be removed.  Although this process normally takes a few days, it could take up to 30 days or more.  Both of these strategies will have an impact on a debtor's bankruptcy petition and must be disclosed within the schedules.  Thus having experienced legal counsel is a necessity when making a determination whether bankruptcy is the best option.

    ... or we could try to get Wells Fargo to change their policies ...

  • Avoiding the Business Card Graveyard with Tanya...Episode 33:Avoiding the Business Card Graveyard with Tanya...

    Episode 33 of the podcast features our friend Tanya Cielo of Sky Strategic Marketing, a full service marketing agency based in Tampa Florida. The Sky team specializes in helping business owners soar above their competition and claim their unfair share of business in the marketplace!

    Tanya helped me with a presentation titled "Avoiding the Business Card Graveyard."  In this episode, Tanya and I discuss tips and techniques for working a networking event and turning those business cards you collect into relationships, rather than letting them slip into a desk drawer forever.

    To contact Tanya, email her at Tanya@SkyStrategicMarketing.com, or visit her website at http://skystrategicmarketing.com/

    If you have questions or comments for me, visit our website at www.yesnerlaw.com or email me at Shawn@Yesnerlaw.com.

  • What is the Freddie Mac Exclusionary List?Episode 32:What is the Freddie Mac Exclusionary List?

    Did you know that Freddie Mac maintains an "Exclusionary List?" Real Estate professionals, including Mortgage Originators, Realtors, Title Companies, Attorneys, Surveyors, Appraisers, and others associated with a real estate transaction may find themselves on this list if they do something that could potentially cause harm to Freddie Mac or its investors. If someone is on the List, they are 

    The process is fairly one-sided.  When Freddie Mac perceives someone should go on the list, they send a letter giving the party 30 days to respond.  If they fail to respond, or Freddie Mac rejects their response, the person or entity finds themselves on the list.  They can apply to come off the list two years after being on the list and then annually thereafter.

    The challenge is that Freddie Mac will not explain how to come off the list, nor why a request to come off the list was approved or rejected.

    Yesner Law has helped many real estate professionals come off the list and, in this episode, we describe our experiences (both successfully and unsuccessfully) with the Freddie Mac Exclusionary List.

    If you have questions, please contact us at Shawn@YesnerLaw.com or www.yesnerlaw.com.

  • Client ExpectationsEpisode 31:Client Expectations

    Recently, I posted a blog article titled "Your Attorney's Biggest Frustrations." That post flowed from an idea that I recorded, which became this episode. Why is it important to manage our clients' expectations?  What can we do for clients, and what are we sometimes unable to do for clients?

    Our goal is to eliminate our clients' financial bullies. It would be difficult to do that if we become another of those bullies! Therefore, clear communication and realistic client expectations are key.  We've taken on work where we may have faced a legal or factual uphill battle because our client had clear goals and expectations.  Conversely, we've declined work where we had a good chance at prevailing, because a "win" in court would have poorly translated to the "win" the client was seeking by hiring us.

    What are some other thoughts you have about client expectations in managing the relationship between you and your lawyer?  We would love to hear your comments.

    You can also contact me at Shawn@YesnerLaw.com, or www.YesnerLaw.com.

     

  • Interview of Kerry Kott with Pure Elements HealingEpisode 30:Interview of Kerry Kott with Pure Elements Healing

    In this week's episode, we interview Kerry Kott with Pure Elements Healing. The intent of the podcast is to provide information to help relieve people from their financial stresses and bullies.  Pure Elements Healing helps to relieve every day stresses, and makes their clients feel safe and secure.

    Pure Elements Healing offers a variety of stress relief services, including Acupunture, Facial Rejuvenation, Food Healing and Coaching, Essential Oils, Meditation, Yoga, Cupping (made famous at this year's Olympics), and Ear Seeds. Kerry can be reached at www.pureelementshealing.com. 

    If you have questions or feedback on the podcast, please leave a review or contact us at Shawn@YesnerLaw.com or www.yesnerlaw.com. 

  • What Questions Will the Bankruptcy Trustee Ask?Episode 29:What Questions Will the Bankruptcy Trustee Ask?

    In this week's episode of the podcast, we talk about different questions a debtor may receive from the bankruptcy trustee.

    We've covered hundreds, maybe thousands, of these types of creditor meetings over our career and we're pretty comfortable that we've heard almost every question the trustee could ask.While the episode does not contain everything the trustee will ask, it does hit the major points.

    This podcast tracks a blog post we wrote on the same topic: http://www.yesnerlaw.com/blog/2016/08/what-will-the-bankruptcy-trustee-ask.shtml

    We would enjoy reading any comments or questions you have on this or any episode of the Podcast.  You can reach me directly at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com. 

     

  • Filing Bankruptcy More than OnceEpisode 28:Filing Bankruptcy More than Once

    In this week's episode of the podcast, we describe situations where someone who has filed bankruptcy in the past has to file again for the second or third time.

    We previously posted a related blog describing how long someone has to wait between filing bankruptcies, assuming the previous bankruptcy was successfully discharged. You can find that blog here:

    http://www.yesnerlaw.com/blog/2016/05/how-many-years-between-bankruptcy-filings.shtml

    In this week's podcast, we discuss a couple of other related issues around the same topic.

    If you enjoy this week's episode (or any previous episode) please review us and rate us on iTunes, Stitcher or your podcast player app.  You can reach us at Shawn@YesnerLaw.com or www.YesnerLaw.com.

  • Interview with Sara ChiarilliEpisode 27:Interview with Sara Chiarilli

    In this week's episode of the podcast, we interview Sara Chiarilli, owner of Artful Conceptions, LLC.  Sara is an interior designer, which means that she has a degree in interior design, versus an interior decorator who is someone without a degree who may have an eye for decorating (or maybe not).

    What are some other differences between Interior Design and an interior decorator? What can Sara do in a Commercial Space as opposed to a Residential Space? How does Sara help with a room remodel? Find out in this week's episode!

    Sara can be reached at her website: http://www.artfulconceptions.net/, or on her cell phone is 941-539-4322 if you have any questions.

    If you have questions that you think would make a good future topic, please email me at Shawn@YesnerLaw.com or www.YesnerLaw.com. 

  • What is Lien Priority?Episode 26:What is Lien Priority?

    Episode 26 of a weekly podcast means we're half-way to one year's worth of episodes!  We appreciate the support of our listeners!

    In this episode, we answer a question from one of our listeners!  Our listener, Tyler, bought property at a foreclosure sale of a junior lien (second mortgage, condo association, etc.).  Now the first mortgage is foreclosing to take the house away from the investor.  What can our investor/buyer do to protect himself?

    Great question! Two answers:

    1. Pay off the superior lien in full; or

    2. Get the former homeowner's cooperation and negotiate a short pay off with the foreclosing lender.

    One other option is to rent the house for as long as possible to recoup as much of the investment as possible, until the bank finally forecloses and takes the house away. If this is a solution then notice must be given to the tenant so that they are not surprised by a subsequent foreclosure sale.

    The title of this podcast, "Lien Priority" comes from the system of determining which lien is first in line. What allows the first mortgage to foreclose even after the second mortgage or homeowner's association has foreclosed? Why can the second mortgage or other junior lien foreclose without naming the first mortgage in its foreclosure action?  Why do none of these include the County Property Tax Collector in their foreclosure actions?  The answer is based on the concept of lien priority.

    The great Benjamin Franklin is famous for saying, "An ounce of prevention is worth a pound of cure." That is likely the best advice in this situation in that foreclosure sales are "buyer beware."  Therefore, doing your due diligence BEFORE buying the property could prevent issues or losses like the one described by our listener.

    We appreciate the question and have more that we'll be answering in future podcasts, and on the blog (http://www.yesnerlaw.com/blog). Of course, we would enjoy answering more of our listener's questions, so please email those to Shawn@Yesnerlaw.com.

     

  • Interview with Kelly JenkinsEpisode 25:Interview with Kelly Jenkins

    This week, we interview Kelly Jenkins, who helps with merchant services - in other words, credit card processing.  Kelly sells the technology and point of sales systems (POS) for companies that want to take credit card payment (Yesner Law does take credit card payments, FYI).

    Kelly has had many different experiences in her career, including being a sales associate for personal training, her merchant services business, and her Hidden Kitty Litter Box business, which can be found in the link below:

    https://www.etsy.com/listing/293066791/hidden-kitty-litter-box

    Kelly has a great story about how she got her job in Merchant Services, and using her sales skills to create two careers - merchant services and direct product sales.  Kelly's hidden litter box business was designed to solve a problem that Kelly had related to her pet cats, and provides decorative furniture to cat owners to hide the litter box, and the smell created by the litter boxes.

    If you have questions that you think would make a great podcast, please email me at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com. 

  • The Mortgage Debt Relief ActEpisode 24:The Mortgage Debt Relief Act

    In this week's episode of the Yesner Law Podcast, I discuss the Mortgage Debt Relief Act ("MDRA").  This law provides that forgiveness of debt income, or phantom income, related to the foreclosure or short sale of a primary residence is non-taxable if the loan deficit that is waived is related to a loan used to buy or make improvements to the house.

    When you complete a short sale or lose a house to foreclosure, the bank may choose to waive the deficit - the difference between the amount owed on the loan and the value of the house. The IRS sees that as a benefit (a debt that is due but does not have to be repaid). The bank reports this by issuing IRS Form 1099-C. Many people misunderstand that the MDRA only excludes the income, the MDRA says nothing about the issuance of the Form 1099-C. What I explain to clients is that they need to file the form 1099-C with their return, AND file the proper forms to show the IRS the deficiency is excluded as income.  Of course, the mechanics of how to do that fall within income tax guidelines and so we refer to a CPA or Tax Attorney at that point.

    The MDRA is set to expire on December 31, 2016. It is our guess that the law might not be extended into 2017, but that may also be reliant upon the outcome of our upcoming presidential election.  Stay posted to our website (www.yesnerlaw.com) or email me at Shawn@YesnerLaw.com for details on the MDRA as they develop.

  • Interview with Katie DavisEpisode 23:Interview with Katie Davis

    In this episode, we interview Kathryn (Katie) Davis with AFLAC. Oftentimes clients come to us because of a major medical issue that drains their funds.  If the medical incident is severe, it may create a shortfall in the budget causing the mortgage, credit card bills and other debts to fall behind. Plus, hospital and doctor bills are often a major factor causing people to file for bankruptcy. AFLAC provides short term relief.  Katie and I discuss the advantages of AFLAC, why someone may want to purchase AFLAC, and how AFLAC will provide some relief when a major (or accidental) medical procedure is necessary.

    Katie can be reached by email at Kathryn_Davis@us.aflac.com.

    If you have questions for Yesner Law, please contact us at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com.

  • So You Want to be a Real Estate Investor? Part 2Episode 22:So You Want to be a Real Estate Investor? Part 2

    Welcome back to another episode of the podcast. We try to keep each episode to a maximum of 10 - 12 minutes and last week's topic was too big to squeeze into one episode, and we will likely devote more episodes in the future.

    In Part 1, we discussed those investors who want to flip properties to create cash. In this episode we discuss real estate investor strategies for those clients who want to buy and sell contracts.  We also talk about strategies to buy and hold property, to build wealth.  

    If you are a real estate investor with questions, please contact us at Shawn@Yesnerlaw.com, or visit the website at www.yesnerlaw.com. 

     

  • So You Want to be a Real Estate Investor?Episode 21:So You Want to be a Real Estate Investor?

    This episode of the Yesner Law Podcast is dedicated to our real estate investor clients. In this episode we discuss real estate flips or simultaneous closings.  Where can investors get in trouble with these types of deals?  How can real estate investors protect themselves in these types of transactions.

    Please also check out a friend of the lawfirm, Tyler Sheff, with The Cash Flow Guys and his podcast.  You can find Tyler at www.CashFlowGuys.com.  Tyler is one of the real estate investors that we think does things properly and his podcast is devoted to helping new, and experienced, real estate investors.

    This is Part 1 of two podcasts devoted to this topic.  Please check back next week for Part 2.

    As always, if you have questions on this topic or any future topic, please email me at Shawn@Yesnerlaw.com or visit our website at www.yesnerlaw.com. You can also find us on Social Media on Facebook, Linkedin, Google+ and other social media sites.

  • Probate Questions with Cristin SillimanEpisode 20:Probate Questions with Cristin Silliman

    In this episode of the podcast, we talk with probate attorney Cristin Silliman regarding what happens when someone dies without a will.  We seem to be losing many of our favorite artists and actors in 2016, and surprisingly many of them pass away without a will.  This leads to infighting between family members over an estate that could be worth millions of dollars.  Cristin helps clients plan for the inevitable, to keep your family secure in knowing what happens to your stuff when you pass away.

    Cristin is the owner of The Legacy Law Firm, LLC in Oldsmar, Florida. Cristin graduated from Florida Coastal School of Law in 2007.  She initially worked as an Assistant State Attorney in Clearwater, FL before opening her firm.  Cristin's website is http://www.thelegacylawfirmllc.com and she can be reached by email at cristins@thelegacylawfirmllc.com. 

    You can contact us at www.YesnerLaw.com or Shawn@YesnerLaw.com, and please visit our Facebook and other Social Media pages.  Thank you for listening to the Podcast, and we would very much appreciate if you would leave a positive review or comment if you enjoy the content.

  • Foreclosure Timeline in FloridaEpisode 19:Foreclosure Timeline in Florida

    Thank you for your patience as we migrated the Yesner Law Podcast from one platform to the next.  All but our first podcast episode migrated from one website to the other, so we are re-releasing Episode 1.

    In this first episode of the podcast, we look back on the "Speedy Foreclosure Law" that was passed by the Florida Legislature, and how that has impacted foreclosure law in Florida.  Have foreclosures sped up?  Has the new law helped, hurt or had no impact?

    If you have questions, please email me at Shawn@YesnerLaw.com, or visit our website at www.yesnerlaw.com. 

  • MediationEpisode 18:Mediation
    Did you know that there is a difference between a mediation in a foreclosure lawsuit and a mediation in every other type of lawsuit? Unfortunately, the foreclosure mediation process in Florida has become tainted to the point where it is really just an analysis of whether the borrower has produced documents to the lender. There is rarely a decision or agreement that is reached at a foreclosure mediation. While settlement is never guaranteed in mediation, I have never had a foreclosure mediation result in settlement on the day of mediation, except for one case where the lender was a credit union. For questions about the mediation process, or foreclosures in general, please email me at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com.
  • Why File Bankruptcy?Episode 17:Why File Bankruptcy?
    In episode 18 of the podcast, we discuss bankruptcy. What are the reasons that someone might want to file? What are some issues a debtor might encounter? We've posted other episodes of the podcast that deal with specific bankruptcy issues, and have more planned. This episode, however, is a bit more generic. We would love your feedback on the podcast in general, or on this episode, and please connect with us on Facebook, Google+ or Linkedin. If you have specific questions, please contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.
  • How Running and Networking IntersectEpisode 16:How Running and Networking Intersect
    In this week's episode of the podcast, we talk about how I use systems to structure a client's experience with the office, based on lessons I learned while running. In 2014, I was diagnosed as pre-diabetic and my sugar levels were dangerously high. Those who know me, know my fear of needles, so it was easy to start a diet and exercise regiment to ward off high cholesterol, high sugar and the results that come with them. I enjoy running 5 and 10k races (and now include swimming laps training for a triathlon) because the time alone helps me to think about ways that I can improve processes here at the office. The time helps me think about the importance of setting goals and measuring my results. I appreciate your indulgence in deviating from the legal podcast content for one week and I hope you enjoy this episode. If you have topics that would make good content, please email me at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com. Also connect with me on Facebook, www.facebook.com/yesnerlaw.
  • Trustee Sales in Bankruptcy CourtEpisode 15:Trustee Sales in Bankruptcy Court
    In this week's episode of the Yesner Law podcast, we discuss a potentially scary issue for people filing bankruptcy. What happens when the debtor's house is upside down, behind in payments, and maybe even in foreclosure, and the homeowner wants to use the bankruptcy to surrender the house? Sometimes, the trustees sell the house to an investor, who then rents the house for cash flow until the bank forecloses. While this may seem unfair, it is proper under the Bankruptcy Code and Rules (at least here in Tampa Bay). We discuss when this might happen, and what options the homeowner has to try to avoid this situation. If you have stories where this has happened to someone you know, please share those stories on our social media sites - https://www.facebook.com/yesnerlaw. Or send me an email at Shawn@Yesnerlaw.com.
  • FloridaEpisode 14:Florida's Homestead Exemption
    In this episode of the Yesner Law Podcast, we talk about the differences between the Florida Homestead Exemption, and the Homestead Exemption in Florida. What is the difference? One is based on Florida's Constitution and Statutes, while the other is a reduction of the taxable value of the home. The two are related just less so than people think. To find out more, please visit our website. We have many blogs discussing the homestead exemption, including http://www.yesnerlaw.com/blog/2013/05/homestead-asset-protection-strategies.shtml, or you can send me an email at Shawn@Yesnerlaw.com.
  • Charged Off DebtEpisode 13:Charged Off Debt
    What happens when a creditor charges off a debt? Does the borrower still owe it? Does it report on credit? Can the creditor sue for it? We answer these questions and more in this episode of the Yesner Law Podcast. Many people get confused on what happens when a debt is "charged off." We hope you enjoy this episode and if you have questions, please email me at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com.
  • What is a Partition lawsuit?Episode 12:What is a Partition lawsuit?
    In lucky episode 13 of the Yesner Law Podcast (one-quarter of the way through a full year of episodes!) we discuss partition lawsuits. Partition lawsuits are for people who jointly own property and cannot decide what to do with it. Typically, it involves family members who inherit property and one wants to live there and another wants to sell. If you have questions about partition, real estate litigation, or any other areas of law, please let me know at Shawn@YesnerLaw.com, or visit the website at www.YesnerLaw.com.
  • Interview with Tiffanie KellogEpisode 11:Interview with Tiffanie Kellog
    Episode 12 of the Yesner Law Podcast is an interview with Tiffanie Kellog. Tiffanie is dedicated to helping others make more money in less time so they can have more fun. Tiffanie is the #1 trainer in the United States for The Referral Institute, and a trainer for BNI. Tiffanie is also an author and, in this episode, we discuss her new book 4 1/2 Networking Mistakes, which you can order on Amazon. For more information, please visit our website, www.yesnerlaw.com, or email me at Shawn@Yesnerlaw.com.
  • What is an Interpleader Action?Episode 10:What is an Interpleader Action?
    Interpleader is the type of lawsuit that is filed when a real estate transaction is cancelled and the buyer and seller disagree as to who is at fault, and therefore who should get the good faith deposit held by the title company. The problem is that the title company, even if it is an attorney who represents one party, does not have the authority to determine which party is at fault and which party should keep the deposit. Therefore, the title company files an Interpleader Action and deposits the money with the Clerk of Court, to then let the Court decide who is entitled to a return of the good faith deposit. If you have comments on this podcast, or questions, please email me at Shawn@Yesnerlaw.com or visit our website at www.yesnerlaw.com.
  • Probate Questions with Lee CarrEpisode 9:Probate Questions with Lee Carr
    In this episode of the Yesner Law Podcast, we interview Lee R. Carr, II. Lee practices elder law, estate planning and probate law. Lee helps answer what happens when one spouse dies, leaving the other to help maintain and make payments on the house. Whether the surviving spouse should keep the house, sell the house, modify the loan, etc., are all questions that arise in this unfortunate time, and we can help answer those questions. We welcome suggestions on this episode or future content at Shawn@YesnerLaw.com or www.yesnerlaw.com.
  • Probate, Loan Modifications and ForeclosureEpisode 8:Probate, Loan Modifications and Foreclosure
    In this episode, I talk about a subject that is personal to me because it happened to a friend of mine. What happens when the spouse who signed the loan and mortgage dies, leaving behind a spouse who is not listed as a borrower on the loan? To find out more information about loan modifications, please visit the website at http://www.yesnerlaw.com/Debt-Alternatives/Loan-Modification.shtml, or send me an email at Shawn@YesnerLaw.com.
  • Interview of Jason Avery with Constructing SuccessEpisode 7:Interview of Jason Avery with Constructing Success
    We're happy to have Mr. Jason Avery, owner of Avery Construction back as a guest on the podcast. As a thank you for Mr. Avery being a guest, we've taken the time in this podcast to discuss his newest venture, Constructing Success, which is his newest book and also his newest company. Constructing Success is a consulting firm that supports entrepreneurs through the challenges of growing their small businesses. Jason helps discuss the challenges that clients may have, both in the construction industry and in the legal industry. For more information on Mr. Avery, or any topics covered in the podcast, please contact me at Shawn@YesnerLaw.com, or www.yesnerlaw.com.
  • Handling your claim in Small Claims CourtEpisode 6:Handling your claim in Small Claims Court
    In this week's episode, I talk about Small Claims Court. When is it appropriate to bring a dispute to Small Claims Court? Why would someone want to file a case in Small Claims Court? Does it make sense to hire an attorney? And other questions. If you want more information, or have questions on this or any other podcast topic, please email me at Shawn@YesnerLaw.com, or visit our website, www.yesnerlaw.com.
  • Construction PermitsEpisode 5:Construction Permits
    After a week off for Thanksgiving, we're back with our guest, Jason Avery with Avery Construction. In this episode, we discuss construction, permits and related lien issues. If you have questions about these issues, or want more information, please visit our website, www.yesnerlaw.com, or email me directly at Shawn@YesnerLaw.com.
  • Why Am I an AttorneyEpisode 4:Why Am I an Attorney
    Mostly, my podcast topics will revolve around legal issues. However, from time to time, I thought it would be interesting to share a different perspective. In this episode, I leave the legal world behind and explain why I do what I do. I hope you enjoy. If you'd like more information, please visit the website - www.yesnerlaw.com
  • Courthouse AuctionsEpisode 3:Courthouse Auctions
    Foreclosure Auctions in Florida are "buyer beware." If you're interested in buying at a foreclosure auction, due diligence prior to bidding on the property is very important. Are you buying at the foreclosure auction of the first mortgage, second mortgage, association, or some other judgment creditor, because that distinction could be important. For more information, visit our website- www.yesnerlaw.com, or email me at Shawn@YesnerLaw.com.
  • Interview with Jason Avery of Avery ConstructionEpisode 2:Interview with Jason Avery of Avery Construction
    Our first official guest of the Yesner Law Podcast is Mr. Jason Avery, owner of Avery Construction. Jason and I discuss different issues related to construction law, and how contractors and clients can avoid construction related disputes and avoid attorney involvement. For more information about construction law issues, please visit our website www.yesnerlaw.com.
  • Foreclosure TimelineEpisode 1:Foreclosure Timeline

    In this first episode of the podcast, we look back on the "Speedy Foreclosure Law" that was passed by the Florida Legislature, and how that has impacted foreclosure law in Florida. Have foreclosures sped up? Has the new law helped, hurt or had no impact?

    If you have questions, please email me at Shawn@YesnerLaw.com, or visit our website at www.yesnerlaw.com.

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