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Crushing Debt Podcast

  • Episode 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 -, 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

    Please remember to check out my second book, Become Debt Free in Less Than One Hour at

  • Episode 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, 

    Please also refer a Florida or Texas attorney or title company you know to our sponsor, Sam Cohen at or

    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

  • Episode 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

    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 or

    FInally, to help eliminate the stress of money, download my book for free at, to learn ways to have more money at the end of the month, rather than more month at the end of the money.

  • Episode 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

    You can also get copies of my two books at 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. 

  • Episode 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 or

    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

  • Episode 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. or

    If you want to learn more about Chapter 13 bankruptcy, you can read my book - Become Debt Free in Less Than One Hour at 

  • Episode 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 or visiting

    Finally, learn how to stay debt free with my latest book, Become Debt Free In Less Than One Hour at

  • Episode 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

    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 or

    Lastly, free copies of my second book, Become Debt Free in Less Than One Hour are available at

  • Episode 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, you can listen to their podcast (The Student Loan Planner) at, 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 or

    For more information about becoming debt free, please order a free copy of my book Become Debt Free In Less Than One Hour at

  • 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 (

    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 (

    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 or

    Another great way to support the show is to order my second book (it's a free download) at 

  • 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 (

    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 - or

  • Episode 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, or

    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. or

    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

  • Episode 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 or visit his website at

    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 or

    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

  • 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 or

    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 

  • Episode 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 - 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 

  • Episode 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 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 or

    Find more tips to become and stay debt free at 

  • Episode 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 or

    Please also refer an attorney or title company you know to our sponsor, Sam Cohen - or  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 

  • 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

    Please also support our show sponsor, Sam Cohen, by referring a title company or attorney to him at or 

  • Episode 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,,, or 727-300-1990.

    Please also refer an attorney or title company you know to our show sponsor, Sam Cohen of Attorneys First Insurance, or

    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


  • Episode 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 -

    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 - or

    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 

  • Episode 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:

    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. or

    What other tips, tricks or techniques do you use to become and stay debt free?  Let us know in the comments to this show!

  • Episode 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

    To contact Tom or Paula, or to learn more about them and their firm, visit, you can find them on Facebook at Roman & Roman, you can email them at, 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 - or

    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

  • Episode 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 - or

    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


  • Episode 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. or

    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

  • 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:



    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 or

    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

  • 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:

    Please remember to visit our sponsor, Sam Cohen at 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

    I am also still promoting my second book "Become Debt Free in Less Than One Hour" at

  • 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 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

    Please also refer any attorneys or title companies you know to our sponsor, Sam Cohen at or

  • Episode 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 - Or you can contact Francesca at

    If you want to connect with Erin you can email her at  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- or

    If you have any other debt-related questions, please connect with me at


  • Episode 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 or visit her website at 

    Please also refer an attorney or title company you know to our sponsor, Sam Cohen at or

    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:


  • Episode 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:





    Divorce Workshop:

    Please also refer an attorney or title company to our long-time friend and sponsor, Sam Cohen of Attorneys First Insurance -, or

    If you are recently divorced and looking to become debt free, connect with me at



  • Episode 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, 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, or 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 

  • Episode 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 for more information.

    Also remember to refer an attorney or title company you know to our sponsor Sam Cohen at Attorneys First Insurance - or

    Please also check out my new book for more ideas on making money and reducing expenses: 

  • 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 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

    Please also refer an attorney or title company you know to our sponsor Sam Cohen - or

    Stay safe, get a vaccine, wash your hands, social distance, and please be nice to each other!

  • Episode 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: 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 - or

    While they're eating a delicious meal, your recipient can also read my book to become debt free -

  • Episode 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 (or the Tampa Region at, or follow his blog at

    Please also refer (in the spirit of giving) attorneys and title agents you know to our sponsor Sam Cohen. or

    Please also check out my free book on how to become debt free:

  • Episode 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, or

    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? 

  • Episode 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
    • 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 or


  • Episode 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 or

    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

    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!

  • 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. or

    Remember, my second book, Become Debt Free in Less Than One Hour, is still free at


  • Episode 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 to get your free copy. You can also contact Sue at, or contact me at 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 or

  • Episode 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 and subscribe to her podcast Credit Coaching by Kristi.

    Please introduce our sponsor to attorneys and title companies you know - and

    If one of your 2021 goals is to become debt free, please visit

  • 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 -,

  • Episode 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,, and

    You can pick up a FREE digital copy of my latest book at 

    Remember to refer our sponsor to an attorney or title company you know - or

  • Episode 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

    Please also remember our sponsor, Sam Cohen at Attorneys First Insurance, or

  • 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 - or

    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! 

  • Episode 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

    Of course, also refer our sponsor, Sam Cohen at Attorneys First to an attorney or title company that you know - or

    Remember, you can get a FREE copy of my latest book, Become Debt Free in Less Than One Hour at

  • Episode 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 - or

    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 

  • Episode 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 or watch their introduction to tax lien video at

    Please remember to visit our sponsor, Sam Cohen at or

    You can find other strategies to increase income and decrease expenses in my newest book, Become Debt Free in Less Than One Hour, at

  • Episode 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 or

    Please also visit our sponsor if you are an attorney or title company who wants a competitive quote on malpractice insurance. or

    Finally, to find 30+ ideas on how to increase income, decrease expenses, and become debt free, please go to to get a FREE copy of my newest book - Become Debt Free in Less Than One Hour!

  • Episode 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

    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 - or

    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 

  • Episode 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 - 

    Please refer an attorney or title agent you know to our sponsor, Sam Cohen at Attorneys First Insurance - or

    If you want to become debt free in less than one hour, please visit

  • Episode 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, or

    For more information about how to become debt free, please visit 

  • Episode 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, 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, 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 

  • Episode 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 or

    Remember, Become Debt Free has launched. Get your FREE copy of my second book at !!

  • Episode 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

    Please also visit our new website to subscribe to the show - 

  • 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

    If you want to support the show, please share that "subscribe" link with one other person, either by email or on social media.

  • Episode 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 - or

    If you enjoyed this interview, please use the links above to view and buy Mike's books. 

    You can contact me at or

  • 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 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

    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: or

    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: or

  • 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 or

    Please also visit our sponsor Sam Cohen at Attorneys First Insurance - or

    If you enjoy the content, please share this episode with someone you know. If you have questions for me - or

  • Episode 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, or visit his website at

    You can pick up a copy of Greg’s book Fun At Work on

    Please remember our sponsor, Sam Cohen at Attorneys First Insurance. or

    If you enjoy the content, please share with friends, family and on social media.

    Contact me with questions at or

  • Episode 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

    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

    If you are a title company or attorney, please contact our sponsor - Sam Cohen at Attorneys First Insurance for a free, non-salesey quote. or

    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 - or 


  • Episode 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 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 - or

    If you are an attorney or title agency, please also visit our sponsor Sam Cohen at Attorneys First Insurance. or 

  • Episode 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 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

    Also visit our sponsor, Sam Cohen at Attorneys First Insurance at or

    If you find you have been the victim of title fraud or title theft, email me at or visit our website We can help victims of this crime to help them get their house back.

  • Episode 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 or visit his websites: or

    You can pick up the book here:

    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 or

    If you are an attorney or title company, also visit our sponsor, Sam Cohen at Attorneys First Insurance for any malpractice insurance coverage questions: or

  • Episode 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 or

    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 - or - 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 or 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!


  • 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.

  • Episode 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! 

  • Episode 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.

  • Episode 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.

  • 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, or

  • 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, if there’s anything I can do to help as we hopefully emerge from this worldwide pandemic.

  • Episode 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 or

    Please also visit our sponsor, Attorneys First Insurance and talk to Sam Cohen about E&O Insurance for your law firm or title company.

  • Episode 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, 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! or


  • Episode 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 -

    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).

  • Episode 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 or his firm’s website

    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

    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, or

  • Episode 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 or

    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 or 

  • Episode 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 or their office manager Ashley at

    Please also visit our sponsor Attorneys' First Insurance at

    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 or  

  • Episode 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, 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

  • Episode 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

    If you have questions for me, please email me at or And it would be a great help to me if you would share this week’s show with a landlord that you know.

  • 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

    Please connect with me on social media, or send me an email to or At the website and blog you can read the blog I wrote about today’s episode  content. Next week starts Year 5 of content!

  • Episode 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

    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. or

  • 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

    If you have any questions or comments for me, you can reach me at or If you enjoy the content, or know someone struggling with student loan debt, please share this episode! 

  • Episode 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 (
    • Jessica - a Creditor’s (bank’s) Attorney
    • Carmen Dellutri - Bankruptcy and Consumer Attorney, and a guest on Episode 101 of The Crushing Debt Podcast (

    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 or

  • Episode 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 and contact him at 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 or visit 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.

  • Episode 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 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 ( with their favorite book of 2019 will win those coupon codes!

  • Episode 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 (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 or

  • 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 or

  • Episode 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!

  • Episode 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 or

    Again, please remember to subscribe if you don’t already. It is free and you can subscribe wherever you listen to the show!

  • Episode 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 - 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 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 or

  • Episode 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:

    You can also join his facebook group: Land Profit Generator Real Estate Investing Group.

    You can also visit Jack’s website:

    Remember to visit our sponsor at

    Remember to subscribe (its free) wherever you listen to podcasts, or contact me at or

  • Episode 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 or www. Also check out his new project at (or anywhere you listed to your favorite podcast).

    Please show some love to our sponsor -

    Lastly, please contact me at or What questions can I answer for you?

  • Episode 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, or email them at or

    Please also remember to visit our sponsor -

    If you have questions for me, please contact me at or

    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.

  • Episode 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 - or

  • 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 or 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 or 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) -

  • Episode 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 - - 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 -, or Robert is also host of The College Investor Audio Show.

    Please also remember to visit our sponsor -

    If you have questions for me, you can reach me at Shawn@YesnerLaw or, and please continue to support the show by sharing it with friends, and subscribing on your podcast listening app (whichever one you use).

  • Episode 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, or visit  You can also find Mark on Facebook at LakeGrowth, on Twitter @LakeGrowth, or on LinkedIn at Mark Lake Growth.

    To contact me, visit or email  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 -  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.

  • Episode 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. or

    Please also visit our sponsor, 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.

  • Episode 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 and

    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, or you can contact me at or

  • Episode 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, or If you enjoy the show, please share it with others.

    Finally, please visit our sponsor If you need $25,000 to $100,000 and have a 680 credit score, apply online.

  • Episode 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 or email him directly at You can also follow him on Twitter @NYWealthAdvisor or on Instagram @planningtowealth.

    We also want to thank and ask you to visit our sponsor 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 or

  • Episode 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 or

    Many thanks to our NEW sponsor, 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 or 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!

  • Episode 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. or

  • Episode 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! or

  • Episode 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 or visit her website at

    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 or


  • Episode 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, or by email at

    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 or

  • Episode 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, me at or Lauryn at


  • Episode 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 or

  • Episode 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. or

  • Episode 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 or 

  • Episode 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 or at

  • Episode 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 To contact Lauryn, email her at

  • Episode 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 or through the website at 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!

  • Episode 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 or contact me through the website

  • Episode 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

    What other Rules do you have for investing in Real Estate?  Please let me know at or 

  • Episode 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, visit his website at, connect with him on Facebook, or call his office 727-953-9493.

    If you have questions for me - or

  • Episode 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 or contact them at  Also check out Kevin's second show - Secondhand Success - at

    If you want to share a story of how you got into and then out of debt, please visit the website at or email me at If you enjoyed this episode, I would really appreciate if you would share the content on Facebook, LinkedIn or any other social media site!

  • 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.

    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 or

    Please also visit our sponsor Elliot Wealth Management Services to get your free 15-minute life insurance checkup -


  • Episode 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 or

  • Episode 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 or

  • Episode 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 or visit the website at

    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 or

  • 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 or

    If you have additional questions, contact me at, or

  • 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 or

    Also, please remember to visit our sponsor, for your free 15-minute life insurance check up.

  • Episode 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 or 

    If you have questions for me, please contact or, and please visit our sponsor for your free 15-minute life insurance checkup at

  • Episode 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 or

    Also remember to visit our sponsor, Elliott Wealth Management Services for your free 15-minute life insurance checkup at


  • Episode 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 - 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 to request your free 15-minute life insurance check up.  If you have questions for me, please email or visit

  • Episode 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, or email Paul at

    If you want to contact me, please visit, or

  • Episode 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 or

  • Episode 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, email him at, 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 or

  • Episode 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 or

  • Episode 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

    If you have questions for me, please contact me at or

  • Episode 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 or

  • Episode 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 or 

  • Episode 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, 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 or

  • Episode 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 or

  • Episode 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 or email Scott at

  • Episode 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, email him at or call him at 727-726-7600. 

    If you have questions for me, I can be reached at or  

  • Episode 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 or 


  • Episode 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 or

  • Episode 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, and subscribe to the Brewin Up Business podcast

    If you have intellectual property questions, please contact me at or

  • Episode 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 or

  • Episode 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 or or 

    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 

    Also remember to subscribe to Tiffanie's (and Rob's) podcast - Brewin' Up Business at 

  • Episode 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 or

  • 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 or with what other reasons you think people might file for bankruptcy, or questions you have around these different debts.

  • Episode 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 or

  • Episode 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  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,

    Please email me at or if you have any questions or want to suggest future show topics.

  • Episode 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 or Have a great Thanksgiving Holiday and a prosperous 2019! 

  • Episode 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, 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 -, Twitter - @cashwiseexwives, or by email - 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 or

  • Episode 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 or any of the following:

    You can contact me at or

  • Episode 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:

    or connect with Brian at

    Or for more questions, contact me at or

  • Episode 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 or email her at

    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 or

  • Episode 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:

    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 or  Hope to see you at the end of October!

  • Episode 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

    For more information visit our website at or contact me at


  • Episode 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 or

  • Episode 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 or

  • Episode 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 or

  • 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

    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, or

  • 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, or

    You can contact us at or

  • Episode 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 or

  • Episode 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 or

  • Episode 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

    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 or 

    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!

  • 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.,

  • Episode 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, or visit his website at Or you can contact me at or

  • Episode 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 where she helps individuals and business owners with bookkeeping and tax preparation services.  You can reach Stephanie at

    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.,  

  • 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  You can contact Dale by email at

    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 - or

  • Episode 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

    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

  • 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 and her website is 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 or What are some other myths you have about mortgages that we can help dispel?

  • 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, You can also email Michael at

    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 or 

  • Episode 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, or visit the Firm's website.


  • Episode 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

  • Episode 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

    Marleta can be reached at

    Any questions, I can be reached at or at the Firm's website.

  • Episode 116:Real Estate Investing with Rich on Money

    Our last episode of May is an interview with Rich Carey of

    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,, 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, or contact me at or


  • Episode 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 or  Or you can reach me at or


  • Episode 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,

    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 or

  • Episode

    In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of (with three "o's").

    You'll hear the story of how 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, remember there are three "O."  And for more information about the all of our episodes, please visit our website at or email me directly at

  • Episode 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, or visit the website at

    Or, if you want us to make the introduction to Jim and his team, contact us at or

  • Episode 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 or

  • Episode 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:

    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 or 

  • 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:

    You can also connect with me at or

  • Episode 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 or

  • Episode

    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

    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  Or you can reach out to me at or

  • Episode 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 or 813-258-2808.

    You can also reach us at or


  • Episode 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

    Or reach out to us at or 

  • Episode 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 or 

  • 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

  • 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 or

  • 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: 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 or

  • 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? or 

    Thank you!!

  • Episode 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,,

    Or you can reach me at or 

  • Episode 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:



    Understanding Yourself

    Nurturing Connections


    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  Or you can contact me at or

    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!


  • Episode 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, call him at 727-243-6467.

    If you have more questions for me, please contact me at or


  • Episode 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 or


  • Episode 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 or


  • Episode 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

    If you have further questions, please contact me at or

    Have a Happy and Safe New Year and we'll speak to you again in 2018!!

  • 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, or

    If you have questions for me, you can reach out to or

  • Episode 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:

    If you have questions, contact us at or

  • Episode 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:

    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 or

  • Episode 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, or call her at 610-548-5279, or visit her website at

    If you have questions for me, please email me at or visit

  • Episode 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. or

  • Episode 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

    You can reach Polly at:, Swipe! The Podcast on Facebook, or @SwipeThePodcast on Twitter.

  • Episode 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

    If you have questions for me, please contact me at or


  • Episode 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 - or email me directly at 

  • 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 or

  • Episode 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. or

  • Episode 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 or

  • Episode 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 or

  • Episode 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

    If you have questions for me, please reach out to, or

  • Episode 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 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 or

  • Episode 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

  • Episode 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, or from Amazon at  

    Or you can order his report that forms the basis of this episode on his website, or from Paul directly at 

    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 or 

  • Episode 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  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 or


  • 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- (BNI Executive Director and Asentiv Trainer)

    Rob Kellog - (Fast Break Entertainment and Brewing Up Business)

    Tiffanie Kellog - (Asentiv Trainer, Fast Break Entertainment and Brewing Up Business)

    Jason Avery - (Avery Construction, Asentiv Trainer, Constructing Success, Inc., and a new Cabinet Company startup)

    Dr. Marnita Sandifer - (Spa Cafe and BNI Trainer)

    Shawn Yesner - (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 !!

  • Episode 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, or email me at


  • Episode 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. or

    If Bryan is representing an association against you, please call me for a free consultation! or

  • Episode 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. or

  • Episode 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,, or

    If you get a letter from an association and have questions, please send me an email at or


  • Episode 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, or


  • Episode 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 or

  • Episode 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, or email him at, or call Rich at 727-569-6000 x 101.

    What are some of your best Hurricane tips?  Email me at

  • Episode 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 or



  • Episode 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:

    You can contact me at or

  • 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.

  • Episode 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 or




  • Episode 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

    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  If you want more information about our upcoming book, Crushing Debt, please email me directly at with the subject line "Crushing Debt Book."

  • Episode 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:

    And other great material!

    You can reach Juliet by going to her website: 

    You can reach us at or 

  • Episode 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 - or 

  • Episode 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

    To contact Yesner Law, please email or


  • Episode 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 or

  • 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 or, or his phone number is 813-789-5773.

    To contact us, please email or

  • 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 or

  • Episode 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 (Brian's first name is actually David).

    To contact us, please reach out at or

  • Episode 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 or

  • 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 or 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!

  • Episode 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 - or

  • 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 or

  • 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 or 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.


  • Episode 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, or Please also share this podcast episode if you found it valuable!

  • Episode 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,  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 or

  • 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  Or if you have questions, please email me directly at

    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!

  • 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 or visit the website at

    Please leave a review or comment if you enjoy the content.

  • 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, or follow him on twitter @Greenlinesm.

    If you have any questions, you can email me at or visit our website at

  • Episode 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  You can also visit our website at


  • Episode 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 and

  • Episode 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 or


  • 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, 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, or visit my website.


  • Episode 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, or visit the Yesner Law website.

  • 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 or

  • Episode 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.

  • Episode 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:

    To contact us, please visit our website:, or email me at


  • 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  If you have questions, you can reach me at, or

  • Episode 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 or


  • 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, or on my website,

  • Episode 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.

    If you have questions that would make a great future episode, please contact us at or at

  • Episode 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 or

    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 ...

  • 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, or visit her website at

    If you have questions or comments for me, visit our website at or email me at

  • 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 or

  • Episode 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, or


  • Episode 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 

    If you have questions or feedback on the podcast, please leave a review or contact us at or

  • 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:

    We would enjoy reading any comments or questions you have on this or any episode of the Podcast.  You can reach me directly at, or visit the website at


  • Episode 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:

    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 or

  • Episode 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:, 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 or

  • 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 ( Of course, we would enjoy answering more of our listener's questions, so please email those to


  • Episode 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:

    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, or visit the website at

  • Episode 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 ( or email me at for details on the MDRA as they develop.

  • Episode 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

    If you have questions for Yesner Law, please contact us at, or visit the website at

  • Episode 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, or visit the website at


  • 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  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 or visit our website at You can also find us on Social Media on Facebook, Linkedin, Google+ and other social media sites.

  • Episode 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 and she can be reached by email at

    You can contact us at or, 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.

  • Episode 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, or visit our website at

  • Episode 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, or visit the website at
  • 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 or
  • Episode 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, or visit the website at Also connect with me on Facebook,
  • Episode 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 - Or send me an email at
  • Episode 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, or you can send me an email at
  • Episode 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, or visit the website at
  • 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, or visit the website at
  • Episode 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,, or email me at
  • 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 or visit our website at
  • Episode 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 or
  • Episode 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, or send me an email at
  • Episode 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, or
  • Episode 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, or visit our website,
  • Episode 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,, or email me directly at
  • Episode 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 -
  • Episode 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-, or email me at
  • Episode 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
  • Episode 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, or visit our website at

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