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How Long to Satisfy a Paid Off Mortgage?

By Yesner Law |

We have helped 3 different clients over the last week to eliminate mortgages and other liens from the public records.  In each of the these situations, the loans were satisfied, but the lien holders (lenders / banks) failed to record a satisfaction or release.  Of course, we didn’t know this until after we filed… Read More »

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Tips for Negotiating with Creditors

By Yesner Law |

I’ve helped hundreds of clients negotiate. I’ve negotiated residential and commercial real estate contracts, residential and commercial leases, Mediations, credit card debt, medical debt, student loan debt, secured debt, unsecured debt, deficiency obligations, pretty much every type of debt. I’ve negotiated court settlements and other agreements that involved something other than money. Over the… Read More »

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What is the due date?

By Yesner Law |

In reviewing contracts, court deadlines, and other time-driven factors, we get many questions related to how the time is calculated for purposes of a response or deadline. Typically, when counting days, day 1 is the day after the date listed (like we learned in math class).  Therefore, if the “Effective Date” of a contract… Read More »

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Freddie Mac Fraud Prevention and the Exclusionary List

By Yesner Law |

I do have to give Freddie Mac (Federal Home Loan Mortgage Corporation) credit for implementing programs to prevent fraud on consumers and to prevent Freddie Mac from purchasing non-investment quality loans. In my experience, however, the Exclusionary List casts such a wide net that it often traps those who may have innocently created a… Read More »

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Reforeclosure Helps Remove Omitted Junior Liens

By Yesner Law |

Recently, we helped a client who bought real estate at a foreclosure sale but realized that the plaintiff’s attorneys forgot to include a junior lien in the foreclosure lawsuit.  Luckily, there is a process in Florida to eliminate that junior lien, even after the foreclosure lawsuit is complete and the property is sold at… Read More »

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Does Bankruptcy Pause the Statute of Limitations?

By Yesner Law |

We received a great listener question from the Crushing Debt Podcast: “My husband and I have joint credit card debt.  I filed for Chapter 7 bankruptcy eight years ago and got a discharge.  My husband did not file with me, just me alone. My husband recently received a collection notice from from one of… Read More »

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What Debts are Non-Dischargeable in Bankruptcy?

By Yesner Law |

The biggest benefit of filing bankruptcy is that your debts are discharged, meaning your creditors can never try to collect those debts; in essence the debts are eliminated. However, there are some debts that are unaffected by the bankruptcy discharge.  The most popular category of non-dischargeable debts are income taxes owed to the IRS… Read More »

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Bluffing your Creditors? Debt Settlement Ain’t Poker

By Yesner Law |

In poker, people sometimes bluff when they have a bad hand, hoping the other players can’t read the truth and will surrender the chips they’ve already played although they have the better hand. In settling debt, bluffing rarely works because most of the time the borrower lacks leverage, and bluffing can seriously backfire on… Read More »

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You may be able to Sue your Creditor for being too Aggressive in Collecting its Debt

By Yesner Law |

As of March 2018, the United States Federal Reserve shows that there is over $3.8 trillion of consumer credit outstanding! Although failing to pay your Visa® bill (regardless of how much) will have virtually no impact on whether Visa®  survives as a company, I think we can all agree that there is a TON of debt… Read More »

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Help! The IRS has a Lien on my House!

By Yesner Law |

When I meet with a client who has owes money to the IRS, we determine whether the IRS has filed a lien against real property or if the IRS is trying to collect a debt owed by the client, or both.  Despite contrary language in the Florida Constitution, federal tax liens can be enforced against… Read More »

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Yesner Law

Yesner Law Countryside Colonial Center
2753 FL-580, Suite 202
Clearwater, FL 33761

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Shawn M. Yesner