Author Archives: Yesner Law
Four Ways To Stop Creditors From Calling
Next to issues about credit, the question we get most often is how to stop creditors from calling. In fact, I’ve often said at networking events that one thing to look for that would be a great referral for me is someone who’s cell phone keeps ringing, and each time it rings the person… Read More »
Lease Agreements Are Not “One Size Fits All”
Recently, we’ve had investors and property owners contact us to review lease agreements prepared either: (1) by some company that produces forms that can be bought off the shelf at a office supply store, (2) from another state, (3) from another landlord-tenant situation, or (4) from the Internet. Sometimes, these lease agreements are fine,… Read More »
Five Factors That Make Up Credit Score
When clients come to see us about foreclosure, loan modification, short sale, bankruptcy or debt settlement, one concern is the impact of all of these things on their credit score. While we understand that concern, it is often overshadowed by our goal of reducing debt, because credit can be rebuilt. We first need to… Read More »
When Is Bankruptcy Right For Me?
A while back, I wrote a blog titled “What Chapter of Bankruptcy is Right for Me?” This blog is meant to supplement, or even precede that blog as we explore whether someone should even file bankruptcy. The determination on whether to file is largely based upon the debtor’s income and non-exempt assets. We are… Read More »
Hiring The Right Bankruptcy Attorney
Thank you to one of our podcast listeners, Tiffany, on a great question, or questions: “Why should I hire a bankruptcy attorney?” and “What are some different tips on hiring the RIGHT bankruptcy attorney?” My philosophy on hiring an attorney is the same as hiring a CPA, Auto Mechanic, Air Conditioner Repairman, Plumber, Realtor,… Read More »
Wage Garnishment & Asset Protection
Thank you to our Yesner Law Podcast listener Larry, who asked us the following question about wage garnishment and asset protection: “I filed bankruptcy about four years ago. I was renting a home outside the State of Florida at the time and there was an accident at my home in Florida and it burned… Read More »
What Will The Bankruptcy Trustee Ask?
Imagine that you’ve made the hard decision to file bankruptcy, to erase your debt and get a fresh start. To determine what chapter of bankruptcy is right for you, please read “What Chapter of Bankruptcy is Right for Me?“. In every bankruptcy case, approximately thirty days after the filing date, the debtor and counsel… Read More »
Freddie Mac Mortgage Exclusionary List
You’ve found yourself on the Federal Home Loan Mortgage Corporation (“Freddie Mac”) Exclusionary List (the “List”), and now Freddie Mac, Fannie Mae (Federal National Mortgage Association), and most other lenders won’t allow you to participate in loans where either party has a Freddie Mac or Fannie Mae program loan. How did you get on… Read More »
Student Loan Debt Consolidation
While we are still keeping a close eye on developments in bankruptcy court and other areas to help our clients eliminate student loan debt, one resolution that may be of tremendous benefit is to consolidate your student loans. One of the best programs we’ve seen is the William D. Ford Direct Loan Consolidation Program…. Read More »
Your Attorney’s Biggest Frustrations
Okay, so these may not necessarily reflect your attorney’s biggest frustrations, but they represent mine. While we are sympathetic, there are some clients or some prospects that we are unable to help, because: Unrealistic Expectations: These are the clients that believe that the practice of law is like an episode of “Law & Order.”… Read More »
