Author Archives: Jay Butchko
Top 10 Strategies to Generate Referrals from a Conference or Trade Show
As I write this blog, I am preparing to attend Podfest Multimedia Expo for the fourth straight year, and I’m speaking at the event for the third straight year. I find that trade shows, expos, and industry events are great tools to generate buzz about my business (or podcast), gain some credibility as an… Read More »
Student Loan Modifications in Bankruptcy
Over forty-four million Americans have unpaid student loans totaling more than $1.5 trillion. Many student loan borrowers file bankruptcy cases due to the financial difficulties they encounter in repaying their student loans. Even though student loans are not dischargeable, similar to how IRS debt is non-dischargeable, there is still a benefit to filing bankruptcy… Read More »
Garage Sale Negotiations
My homeowner’s association holds a community garage sale twice a year, in March and in October. Each garage sale, I focus on practicing some sales skill and then record an episode of The Crushing Debt Podcast based on that practiced skill. I decided to create this blog post based on some of those podcast… Read More »
What Debts are Unaffected by Bankruptcy?
This week’s blog is another question from a listener of The Crushing Debt Podcast, and the question is, “Can you file bankruptcy on a judgment that is for domestic violence?” Generally, the answer is that the debt would not be dischargeable – meaning it would not be eliminated by the bankruptcy. However, I don’t… Read More »
Should I Consolidate My Debt or File Bankruptcy?
There are many ways to eliminate debt: (1) negotiate a plan with the creditor directly, (2) “snowball” or “avalanche” the debt, (3) take out a consolidation loan, (4) transfer debt from a higher interest rate to a lower interest rate (a personal loan, or 0% credit card, for example), or (5) bankruptcy. Which one… Read More »
Eliminating Debt after a Repossession Using Creditor Harassment Laws
This week’s blog post is a modified transcript of The Crushing Debt Podcast Episode 84 that I wanted to share with you about a success story where we were able to help client eliminate over $21,000 in debt! I’m sharing this episode as a blog post to review the scenario and exactly how we… Read More »
Answering Listener Questions
We often get questions from listeners of The Crushing Debt Podcast. In this blog post, I’ll answer some listener questions I’ve received. The first question I wanted to answer is whether a person already under a Chapter 13 repayment plan can legally have an automobile financed while still in bankruptcy? This question comes from… Read More »
Why People File for Bankruptcy?
This is another transcription of The Crushing Debt Podcast, Episode number 144, “Why do our clients file bankruptcy?” I’ve done many podcast episodes, written blogs, and wrote a book on how to eliminate debt, and it occurred to me that I haven’t often discussed why my clients file for bankruptcy, or why my clients… Read More »
Crushing Debt Podcast Episode 126: Schedule I & J of the Bankruptcy Petition
Schedule I and J of the bankruptcy petition is the budgetary portion of the bankruptcy petition and there is an art to completing someone’s budget when they’ve decided to file for bankruptcy. In this Blog post (taken from Episode 126 of The Crushing Debt Podcast), we’ll review the budget schedules of the Bankruptcy Petition… Read More »
The Crushing Debt Podcast, Episode 132: Coming Off of The Freddie Mac Exclusionary List
One of the things that I’ve talked about often on The Crushing Debt Podcast is the Freddie Mac exclusionary list. I’ve also written blogs and made videos about the topic. Interestingly the way that this started was when I was preparing for a seminar for Realtors® on how they could avoid liability in certain… Read More »
