Look for any podcast host, guest or anyone
Showing episodes and shows of

Yesner Law

Shows

Crushing DebtCrushing DebtLove, Loss and LedgerAfter a one-month hiatus, we are back with new episodes of The Crushing Debt Podcast! Have you experienced any life changes recently? How did those changes impact your budget? Our apologies for our silence during the month of January. In this epsidoe, we explain our absence and how it relates to both the Podcast, our daily lives, budgets, debts, medical bills, and other issues related to major life changes. This episode is dedicated to the memory of Melanie Yesner. To donate or join MY Legacy Striders, raising money for PanCAN on...2024-02-0142 minCrushing DebtCrushing DebtCrush IRS DebtWhat is your biggest fear? Heights? Bugs? Public Speaking? IRS Audit? How (or what) is the biggest and baddest collection agency in the country (at least by perception)? What if you owe money to the that collection agency (i.e. the IRS)? On this week's episode, Shawn & George talk to Claudia Moncarz, owner of Moncarz Law, helping people to negotiate and settle debts with the IRS and avoid or resolve audit issues. George, Shawn & Claudia talk about How to avoid being audited by the IRS What to do if you...2023-08-0335 minCrushing DebtCrushing DebtNeed versus WantAs the July No Spend Challenge comes to a close, how did you do?  How many points did you accumulate?  How much money did you save?  Were there any other goals you accomplished? Thank you to Tiffanie Kellog, who asked on the Facebook page: "I was pondering a question for the podcast based on the no-spend challenge... what about a discussion on how to classify a NEED versus a WANT when it comes to spending $$$?" Today's episode is a discussion of, when it comes to finances and spending habits, what is a need versus a wan...2023-07-2739 minCrushing DebtCrushing DebtHiding Your Credit Card Debt - Episode 380How much credit card debt do you have?  At what interest rate? What happens if you can't communicate with your significant other? How do you protect money you inherit from a partner who spends? This week Shawn & George tackle these topics on the show, giving their takes on questions and headlines such as: Americans are hiding their credit card debt: https://thehill.com/homenews/state-watch/4068846-americans-are-hiding-their-credit-card-debt/ I don't want my spendthrift husband to get his hands on my inheritance: https://slate.com/business/2023/07/husband-inheritance-spending-personal-finance-advice.html My boyfriend wants to put an end t...2023-07-2041 minCrushing DebtCrushing DebtCanceling Student Loan DebtThere's been a bit of news lately on President Biden's plan to cancel student loan debt, especially after the United States Supreme Court ruled that the President has no authority to cancel the debt without Congressional action. What are your thoughts?  Are you in favor of cancelling debt?  Against it? Recently, the New York Times came under fire for suggesting that "death" is a way to cancel student debt. Unfortunately, they are correct.  Note that neither the article, nor Shawn & George are suggesting that people hurt themselves in any way to avoid paying back student loa...2023-07-1334 minCrushing DebtCrushing DebtHeroes Home AdvantageThe Fourth of July was a few days ago! How did you celebrate? How did you say "thank you" to those that protect us and our freedoms? This week's guest on the Crushing Debt Podcast is C. David Cain, CEO and Chief Hero Evangelist of Heroes Home Advantage. He has 24 years' experience as a top-producing Loan Officer, and is on a mission to create brand awareness for the largest hero rebate program in the country when buying or selling real estate! George, Shawn & David talk about: How the program works and why...2023-07-0629 minCrushing DebtCrushing DebtNo Spend ChallengeWhat is the difference between a "want" and a "need"? Can you go one day without spending money? How about one week? One Month? One Year? Shawn & George talk every week about tips and tricks and strategies to help you save money, reduce debt, and become debt free. Now, they're "putting their money where their mouth is" and taking action to help you do just that. In this episode, Shawn & George talk about their No Spend Challenge for July !! A No Spend Challenge is a freeze on spending money on things...2023-06-2934 minCrushing DebtCrushing DebtCrushing the Credit Card Debt CycleWhat age groups tend to owe the most debt?  Boomers? Millenials? Gen X? Would it surprise you to know that credit card debt, on average, has returned to or exceeds pre-pandemic levels?   Why has it increased, and what can you do about it? How do you break the credit card cycle? In this week's episode, Shawn and George talk about the reason that credit card debt has increased and some tactics for reducing or crushing your credit card debt if it has risen to a level that you are struggling (or even if you...2023-06-2235 minCrushing DebtCrushing DebtWhy Did I Receive This Letter from Freddie MacWhat is the Freddie Mac Exclusionary List, and why should you care? We done many previous episodes on the Freddie Mac Exclusionary List: Episode 32 - Freddie Mac List Episode 83 - Freddie Mac List Updates Episode 132 - Coming Off the Freddie Mac List Episode 179 - Freddie Mac's Policy Episode 262 - The Secret to Coming Off the Freddie Mac List Episode 277 - Top 5 Myths of the Freddie Mac List Episode 306 - Staying Off the Freddie Mac Exclusionary List Someone who finds themselves on the Freddie Mac Exclusionary List is prohibited from participating in a transaction where Freddie...2023-06-1529 minCrushing DebtCrushing Debt14 Steps to Financial FreedomWhat are the 14 steps to financial freedom? What is your financial personality? Your financial health? The TTCI Method? Today's guest on the Crushing Debt Podcast is a CPA, speaker, course creator, and passionate about helping people become financially free.  Bruce Scott is the territory leader of (senior partner) at PricewaterhouseCoopers Jamaica. He has an MBA, FCA, FCCA, CPA (Colorado), chartered  accountant (Jamaica), and chartered certified accountant (UK). Bruce is passionate about financial intelligence leading to financial independence, and he offers financial training in several countries on strategies and behavioral changes required to pursue a path of...2023-06-0835 minCrushing DebtCrushing DebtHow To Delegate at a Garage SaleIt's that time of year again!  Shawn's neighborhood holds garage sales twice per year, in May and October.  At each garage sale, Shawn practices some sales technique - what better low pressure enviornment to practice sales and negotiation skills? What sales technique did we practice at this year's May garage sale? Delegation! How? Shawn delegated the negotiations to his sons and allowed them to keep a percentage of what they collected from selling.  How did it work out?  Listen to this week's episode! If you want to listen to previous episodes, you can list...2023-06-0128 minCrushing DebtCrushing DebtFinance and FitnessHow does your fitness impact your finances? What is the connection between the two? I'm reminded of the meme: "I'm into Fitness. Fitness this pizza into my mouth!" People who are more healthy, typically have larger incomes and savings. Conversely financial stress can negatively impact your health. People who are more fit are more likely to get hired, have lower health care costs, more energy at work, and more mental clarity in general. This week's guest on the podcast is a long-time friend and referral partner of both Shawn & George, Moh...2023-05-2540 minCrushing DebtCrushing DebtHow To Win In Crushing DebtHow do you overcome a negative mindset? What does it mean to win? To win in life? To win in relationships? To win in finances? To win in other areas of your life? Our guest on this week's show is Brad DeMint. Brad is an account executive with Greenleaf Title, LLC (www.greenleaftitle.com) and host of the podcast How to Win with Brad Demint (www.BradDeMint.com), a podcast about life, sales, and inspiration. Listen to Brad DeMint break down important winning strategies in every area of your life. Brad teaches and coaches success!2023-05-1138 minCrushing DebtCrushing DebtMoney HacksWhat are the money hacks that you use every day? What are some that you would never do? Today George and Shawn talk about money hacks - simple things you can do to save a few dollars here or there that, when added up, amount to significant savings! For example: Unplugging Vampire Devices Making Coffee at Home Bulk Buying AC Maintenance Toilet Water Hacks Zip Up Your Pants Before Washing Extended Warranties And Others... If you want to participate with George and Shawn in a "No Spend Day" please let us...2023-05-0431 minCrushing DebtCrushing DebtOut Of Office NotificationAre you able to leave the office for a week on vacation and leave your work behind? What do you need to do prior to leaving, to make sure that your vacation is a vacation, and not just working remote from some other place?  This past week, Shawn & his family took a trip to Arizona. They were gone for a week, but Shawn left behind his iPad and laptop (he did bring  his phone, but he needed a phone, GPS, camera, etc.).  In this week's episode Shawn & George discuss what Shawn did prior to leaving, so...2023-04-2026 minCrushing DebtCrushing DebtMoney GriefWhat happens to finances in a time of loss? Loss of job, loss of family or friends, loss due to illness, loss because of a divorce?  Losses can happen to any of us at any time, but how you deal with the loss will also impact how the loss affects your finances. In this week's episode Shawn and George talk to Bobby Clark, a personal finance coach and content writer for the Clark on Money Blog. Bobby helps his clients take the stress out of their personal finances, stop living paycheck to paycheck, plan for t...2023-04-1331 minCrushing DebtCrushing DebtMoney SchemesWhat can you do to make more money quick? Does quick money mean dishonest money? Last week George and Shawn talked about Money Scams. This week, it's get rich quick schemes, but which ones are legitimate and which ones can get you into deeper debt? Ponzi or Pyramid Schemes Online Courses Coaching (sorry George) Multi-Level Marketing (MLMs) What other "schemes" have you tried? Which have worked and which were ... ummm ... less than successful? Let us know if you enjoy this episode and, if so, please share it with your friends! 2023-04-0636 minCrushing DebtCrushing DebtMoney Scams! - Episode 366Do you have a rich relative who died left you with a bunch of money? Are you being romanced by someone who will come see you, but only if you buy them a plane ticket? Do you get random requests to buy gift cards for someone in trouble? Beware of money scams!  The fraudsters are out there and getting smarter.  Some popular scams are: Deed Copies Romance Scams Phishing Scams Probate Scams Timeshare Scams Ransom Scams Bogus Debt Bot Accounts Gambling / Online Games Wire Fraud, and Unclaimed Funds In this week's ep...2023-03-3029 minCrushing DebtCrushing DebtConstructing Success - Classic EpisodeAre you looking to make your business grow? Do you want referrals to help you grow your business? Do you understand each prospect’s behavioral style? Would you like to be able to define a unique selling position that separates you from your competitors? This week is a rebroadcast going all the way back to (when we were the Yesner Law Podcast) Episode 7 - Constructing Success with Jason Avery! Constructing Success is a consulting firm that supports entrepreneurs through the challenges of growing their small businesses. Jason helps discuss th...2023-03-2312 minCrushing DebtCrushing DebtLifestyle CreepWhat is lifestyle creep? Do you feel the need to keep up with the Joneses? Do your expenses increase as your income increases? Years ago, Shawn's father taught him that your expenses do not have to grow proportionately to your income.  In other words, just because you make more money doesn't mean you have to spend less money. Unfortunately, it seems like some people spend more as they make more.  Their lifestyle creeps to the more expensive as they get more income. More disturbing, some people are using their credit cards as...2023-03-1631 minCrushing DebtCrushing DebtOrganize Your MoneyHow does ADHD effect money? Budgeting? What are some tips or tricks to work with money while dealing with ADHD? In this week's episode, Shawn & George interview Tamika Howell.  Tamika is a Financial Educator who teaches busy and easily distracted Black women how to align their money with their values through one to one coaching and educational content on various social media platforms. Her primary focus is budgeting, saving, and debt management for those overwhelmed by their finances and unsure where to start. Tamika knows the feeling firsthand. As a Black woman living with ADHD, s...2023-03-0926 minCrushing DebtCrushing DebtLease or Buy a Car?Should you lease or buy? In this week's episode, Shawn and George discuss that age-old question, is it better to lease or buy a car?  George bought his cars. Shawn bought one (his wife's) and leases another (his). But which one is the better choice for you? Some of the Pros of leasing a car: lower monthly payments, drive a better car for less money, get a new car every three years or so, lower maintenance costs because the car is newer or under warranty, and loyalty programs when you get a new car from t...2023-03-0233 minCrushing DebtCrushing DebtHustle & Grind is the New StupidDo you have a commercial profitable enterprise that works without you? Are you getting paid while you sleep? Or do you have a job? Shawn & George attended The Largest Networking Event in Tampa Bay last week and in this episode discuss lessons they learned from ActionCOACH Founder Brad Sugars, like: Hustle & Grind is the New Stupid If you're not getting paid while you sleep, you don't have a business How to set daily goals for your company Telephone Scripts to maximize revenue per client Raising prices Why discounting kills businesses Get Off...2023-02-2431 minCrushing DebtCrushing DebtMy Landlord Died! What now?What questions do you have for us here on The Crushing Debt Podcast? In today's episode, Shawn & George answer some of the most popular questions they receive, like: My landlord died. Is my lease still valid? Can I shut down my business to avoid paying back business debt? Should I stay in a bad job just because they offer a 401k (or any other benefits)? Should I pay debt or invest the money? Some of these questions are blog posts that you can find at the links below: My Landlord Died, Is My Lease...2023-02-1633 minCrushing DebtCrushing DebtYour Kids, Their MoneyHow do you talk to your kids about money? What books about money have influenced you that you want to share with your kids? This week's guest, Clifton D. Corbin, MBA, PMP, was a business consultant with over two dozen decades of experience when he left the office to become a full time stay-at-home dad. During this time, he authored his first book, Your Kids, Their Money: A Parent's Guide to Raising Financially Literate Children, which focuses on providing parents with the skills and tools to teach financial literacy to ther children. While r...2023-02-0932 minCrushing DebtCrushing DebtFinancial Trainwrecks!Trainwrecks, car accidents, calamities, and disasters are all things you want to avoid, but all things that you cannot look away from when they happen. But what happens when the trainwreck is financial, and how do you avoid them? In today's episode, Shawn & George talk about some of the financial trainwrecks they've seen or experienced over the years, along with some tips to avoid them, including: Gambling Ponzi Schemes Wire Transfer Fraud Crypto Currency Guarantees Payday Loans Short Term Business Funding Loans / Receivable Loans And Others  What Financial Trainwrecks have you seen over t...2023-02-0237 minCrushing DebtCrushing DebtMake More Money ... NetworkingWhat are your best ideas for networking an event? Do you go to events looking to buy or sell? Do you give your card to everyone there - throwing them out like they were ninja throwing stars? Do you have a goal, or do you go to networking events just to socialize? The Largest Networking Event in Tampa Bay is Friday, February 17, 2023 and Yesner Law is a sponsor. ActionCOACH Tampa Bay is the host company for the event and our friends there provided us with 10 tips (and 2 bonus tips) to network...2023-01-2631 minCrushing DebtCrushing DebtMoney Myth BustersAre credit cards evil? Is it normal to have a lot of debt? Do you need to spend money to make money? Does your salary dictate your wealth? Do you need to budget? Is budgeting painful? In this week's episode, Shawn & George tackle some popular money myths and explain why they are untrue, or why Shawn & George don't buy into them (bad pun intended). You can listen to our previous episode about money myths, our interview with Rachel Nohlgren of Mustard Seed Advisors of Raymond James, here: https://yesnerlawpodcast.libsyn.com...2023-01-1937 minCrushing DebtCrushing DebtThings That Make You Say HmmmWhat is the most expensive thing you've ever bought that wasn't a house or a car? Have you ever eaten food from the floor? Have you ever stolen money from your parents? When was the worst time that you threw up? What was your worst workplace experience? Would you stop talking to all of your friends for a million dollars? How are all of these questions related? In this week's episode, Shawn & George answer these questions and the money lessons that these stories taught them...2023-01-1231 minCrushing DebtCrushing DebtMillionaire MindsetWhat do millionaires do differently than the rest of us? How can you incorporate secrets of millionaires to become one yourself? In this week's episode, George and Shawn talk about the mindset of millionaires, how that mindset differs, and what you can do to incorporate that mindset into your life.  Links to the books mentioned in today's episode: Secrets of the Millionaire Mind by T. Harv Eker: Amazon.com: Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth (Audible Audio Edition): Charles Constant, T. Harv Eker, HarperAudio: Books The Millionaire Next Door b...2023-01-0528 minCrushing DebtCrushing DebtSMARTY Pants Goals 2023Welcome to the last Crushing Debt Podcast episode ... of 2022 !! Do you set goals every year? Did you accomplish what you set out to do in 2022? What are your 2023 Goals? In this week's episode, Shawn and George talk about 2023 goals, how to set your goals and why they should be S.M.A.R.T.Y. pants goals. They also discuss some of their 2023 goals, specifically around the podcast, personally, for their families and for their businesses. It's also that time of year - Podfest 2023 is just around the corner. For more i...2022-12-2926 minCrushing DebtCrushing DebtMore Money, More Time, More Fun SummitWhat would you do if you could make more money, have more time, and have more fun? What would your life look like? This past week, Shawn was a speaker at the More Money, Time & Fun online Summit, hosted by our friend and frequent guest, Tiffanie Kellog. In today's episode, Shawn and George talk about how to have more money by having less debt. This topic mirrors Shawn's second book, Become Debt Free in One Hour or Less. Specifically, getting educated around: (1) how to make money and what to do with it, (2...2022-12-2236 minCrushing DebtCrushing DebtDude, It's My Birthday!Why do you do what you do? What do you do on your birthday? On this week's episode, George interviews Shawn for his 50th Birthday, which is today (if you're listening on the day the episode is released)! Why did Shawn become an attorney?  What stories does he share on his journey to helping people have more money at the end of the month, rather than month at the end of the money? Today's episode is a little outside the norm, as Shawn answers the questions rather than asking them. 2022-12-1531 minCrushing DebtCrushing DebtCan I Retire Already!Q: When do you want to retire? A: Yesterday! But how do you plan to retire early? What if your retirement is "forced" by being terminated, or having a medical condition that causes you to be unable to work? In this week's episode, Shawn & George talk about different strategies so you can retire early, whether by choice or by force, such as: Getting a second job or side hustle; Applying for assistance (such as Social Security, Disability or Unemployment); Using your savings or investments; Or using bankruptcy as an option...2022-12-0828 minCrushing DebtCrushing DebtTurkey Time! EpisodeEach year, we release a show describing what we're thankful for - and there's no better time for that than Thanksgiving. In the early years of the show, we skipped a "Thanksgiving" episode because Shawn thought "who is going to listen on Thanksgiving Thursday? Of course, our listeners listen to shows on different days of the week, and sometimes weeks, months or years after a particular episode is released. Of course, we're happy for all of you listening to the show! We're thankful to our guests, and sponsors as well.  This year, we're thrilled to a...2022-11-2726 minCrushing DebtCrushing DebtWhen Emergency Funds Run DryIf you have built up your emergency fund, nice work!  If not, there is still time to do so. However, what can you do if you need to use it and those funds run dry? Shawn & George discuss an article written by Quentin Fottrell for MarketWatch.com titled "Living paycheck-to-paycheck has become the norm: Inflation takes its toll on American finances as emergency funds run dry." You can find the article here: 'Living paycheck-to-paycheck has become the norm': Inflation takes its toll on American finances as emergency funds run dry - MarketWatch Some o...2022-11-1729 minCrushing DebtCrushing DebtThe Perfect Business Finance Education ClassWhat financial topics would you make sure business owners knew and understood before opening their businesses? Back in Episode 330, we talked about the Personal Finance Education Bill (HB 1054) that became law in Florida as of July 1, 2022, and requires a financial literacy course as a prerequisite to high school graduation. In that episode Shawn & George designed the perfect personal financial course! We thought it would be fun if, after designing the perfest personal financial course, if we got a call from Governor Ron DeSantis to design the perfest business financial course! We go through c...2022-11-1033 minCrushing DebtCrushing DebtDonating Your Real EstateWhat is the charitable gifting of real estate? Who would give away their valuable real estate? Is the charitable gifting of real estate only for the super wealthy? In the calendar year 2021, approximately $9 Billion was donated in real estate alone, and that is only a small fraction of all donations given to organizations nationwide. Real Estate giving is through various organizations, include Realty Gift Fund, which our guest talks about on this week's episode of The Crushing Debt Podcast. Originally from Washington State, Cherie Buell relocated to the Tampa Bay area...2022-11-0332 minCrushing DebtCrushing DebtProtect Your SH...tuffAre you a ghost in the public records? Do you need to be? Do you get your asset protection advice from TikTok (any advice for that matter)? Have you completed your business succession planning, or business estate planning? On this week's episode of the Crushing Debt Podcast, George and Shawn welcome Jason Sampson, co-founder of Fortress Asset Protection, and founder of Venerable Law. Jason focuses on a wide array of business matters, from start-ups to business succession planning, and everything in between.  Jason has been a practicing attorney for well over two decades. H...2022-10-2738 minCrushing DebtCrushing DebtHappy Business, Happy Partner, Happy LifeWhen you think of balance, what does that mean to you? Are you working your business, or is your business working you? Does your business provide you with the life you desire? How do you balance your business so you can have the life & health you want? In this week's episode, George and Shawn provide practical tips on helping you to obtain balance, in your work and in your life, so that you can create whatever life you choose. The old saying "happy wife, happy life" can be expanded to "happy...2022-10-2030 minCrushing DebtCrushing DebtCrazy About MoneyDo you have positive or negative feelings about money? Do you know your "money type" - Amasser, Hoarder, High-Roller? Are you in balance spiritually, financially and physically? Are you able to navigate a money crisis? This week, George and Shawn talk to Maggie Baker, PhD, a practicing psychologist for 30 years, who offers services for anxiety, depression, relationship issues, trauma, ADHD/ADD and money behavior issues. Dr. Baker works with individuals, couples and families as well as facilitate group psychotherapy. Dr. Maggie's book, Crazy About Money Crazy helps readers identify...2022-10-1336 minCrushing DebtCrushing DebtJust Say No!Do you feel overwhelmed at times? Do you feel like you have too much on your plate? Are you worried that you might let people down if you say no? Shawn felt that way prior to recording this week's episode, which gave George a great opportunity to talk Shawn (as well as any other listeners) "off the ledge" and give us all permission to say "no" in a polite way, from time to time. How easy is it for you to say "no?"  We would love to get an email or c...2022-10-0627 minCrushing DebtCrushing DebtOvercoming Financial Trauma - Episode 340How do you manage financial trauma? What is financial trauma? How does financial trauma present itself? Is financial trauma a good thing or a bad thing? In this week's episode, George and Shawn talk about financial trauma, abundance and scarcity mindset, how childhood impacts financial trauma, how financial trauma may present itself, and how to manage financial trauma so that it does not become crippling or cause someone to "bury their head in the sand." Let me know if you enjoy this episode and, if so, please share it...2022-09-2933 minCrushing DebtCrushing DebtNavigating InflationHave you felt the impact of inflation over the last six months? Over the last twelve? If so, how has it impacted you? What habits or behaviors have you changed because of inflation? A few weeks ago, Shawn attended FinCon 2022, an annual seminar to help "personal finance content creators and brands create better content, reach their audience, and make more money." This year FinCon was in Orlando, and we could not pass up the opportunity to get additional education around personal finance topics and make some great connections in the space. Next year...2022-09-2235 minCrushing DebtCrushing DebtMoney and RelationshipsThings you tell your attorney are attorney-client privileged. As attorneys we cannot share confidential information with anyone. But what happens in bankruptcy court when financial information has to be disclosed to the trustee by one spouse, that was unknown by the other spouse? In this week's episode, Shawn and George talk about stories relayed by different bankruptcy attorneys of when financial infidelity gets discovered, like: When one spouse gave the other money to make mortgage payments, but the spouse used that money instead for something else. When the engagement ring is fake but the receiving spouse...2022-09-1529 minCrushing DebtCrushing DebtGood Credit Does Not Have To Equal Debt!Is all debt bad? What is your strategy around incurring debt? What do you want to accomplish using credit and debt? What is your plan to improve your credit score and reduce your debt? This week, we interview David Dishman, owner of 12 Point Life and a consumer credit expert with more than two years experience helping families decrease their debt and increase their credit to achieve their goals.  George and Shawn talk to David about a lot of different topics, including: Credit Cards (and rewards) Credit Score Credit R...2022-09-0938 minCrushing DebtCrushing DebtThe #1 Reason People File for BankruptcyWhat is the number one reason people file for bankruptcy? What famous celebrity lists his 20-year-old money mistakes? Are we getting deeper in debt as inflation boosts costs? On this week's episode we discuss these topics and more.  You can find the articles we reference at these links: The #1 Reason People Go Bankrupt by Rachel Cruz on YouTube: https://www.youtube.com/watch?v=A2LrrNTQ1oo Nearly Half of All Americans are falling deeper in debt as inflation continues to boost costs, by Jessica Dickler on cnbc.com: https://www.cnbc.c...2022-09-0125 minCrushing DebtCrushing DebtFive Money RulesWhat are the five money rules you should follow while you're still young, or "regret it later in life"? We recently read an article written by Morgan Housel for CNBC. You can find the article here: https://cnb.cx/35yNVut While the article has some great tips: (1) live below your means, (2) money disputes and relationship disputes, (3) avoid debt, (4) affordable services, and (5) career - let's just say that Mr. Housel's writing style is a bit ... direct. The article has some great tips that we discuss, some tips that we don't necessarily agree with (we...2022-08-2531 minCrushing DebtCrushing DebtFinding and Keeping Happy EmployeesWas the "Great Resignation" caused by COVID-19? How can you decrease the likelihood that good employees will leave? How can you decrease the likelihood that terminated employees may sue? How can you find and keep happy employees? Attorney April Goodwin, of The Goodwin Firm, joins Shawn and George today in studio to talk about finding and keeping happy employees. April's practice focuses on employment law (mostly representing employers) and pet law. We talked to April about pet law back in Episode 229 - Emotional Support Peacocks. In today's episode April...2022-08-1833 minCrushing DebtCrushing DebtFlorida's Car Insurance MistakesWhat is "full coverage" with regard to car insurance? What coverage is required under Florida law? What coverage should you have?  Or avoid? In this week's episode of The Crushing Debt Podcast, we talk to Walt Blenner of Blenner Law Group about the different types of auto insurance coverages, subrogation, fault and no-fault, and what happens to insurance when the driver is ticketed (or not). Walt moved to Tampa Bay "temporarily" 30 years ago until he figured out where he wanted to practice - turns out it was here in Tampa Bay! W...2022-08-1137 minCrushing DebtCrushing DebtMaking Time to Crush Your DebtWhat would you do with an extra month this year? Every year? How is your cell phone costing you time when you could instead be making money? How can you trade money for time? This week's guest is making her fifth appearance on the show! Our friend Tiffanie Kellog is back to talk about her program 13 Months a Year! Tiffanie helps her clients MAKE MONEY, SAVE TIME and have FUN! Whether sharing her expertise (with her southern accent) on referral marketing, networking or maximizing your time, Tiffanie will knock the socks...2022-08-0437 minCrushing DebtCrushing DebtWho Owns My House?As housing prices have appreciated, we have seen less foreclosures and short sales - they're not gone, but clearly reduced in number recently. The trend we've seen in an increase in other types of lawsuits with the increase in property values. In particular, I have many more partition lawsuits in the office than I did a year or even six months ago. In a partition lawsuit, two co-owners are fighting over whether to sell a jointly owned home, and when sold how much does each owner receive from the sale. Typically, partition lawsuits arise between...2022-07-2832 minCrushing DebtCrushing DebtThe Perfect Personal Finance Education ClassThe Personal Finance Education Bill (HB 1054) became law in Florida as of July 1, 2022.  The new law requires a financial literacy course as a prerequisite to high school graduation. George and I were thinking, if we designed the course, or if Governor DeSantis consulted with us to design the course, what are the top five things we would include (and then we thought up a few more). How to balance a checking account Understanding spending behaviors Budgeting Understanding Credit Score and more ... After listening to the episode, do you agree?  What would you include? Can you co...2022-07-2137 minCrushing DebtCrushing DebtFinancial Literacy For All AgesWhen should we teach financial literacy lessons to our kids, and what should we teach them? What does "financial literacy" really mean? What are the common financial problems people are facing today? Why do so few states teach personal finance in public schools? Today's guest on the Crushing Debt Podcast is Vince Shorb, one of the country's leading advocates for promoting financial wellness and a thought leader in teaching and scaling financial education programming. Vince founded the National Financial Educators Council, an organization dedicated to combating the financial literacy epidemic. Vince's...2022-07-1435 minCrushing DebtCrushing DebtHow to Get Paid by the Bankruptcy TrusteeIf someone owes you money and files bankruptcy, how do you get paid? What is the role of the bankruptcy trustee? How does the bankruptcy trustee value assets? This week's episode is great question by one of our listeners, and former guests Mechiel Kopaska, who sent us a question about how the bankruptcy trustee pays out creditors in a bankruptcy case. You can hear Mechiel's episode here: https://yesnerlawpodcast.libsyn.com/stuck-in-a-job-episode-263 You can find her podcast here: Episodes - Mechiel Kopaska George and I also talk...2022-07-0733 minCrushing DebtCrushing DebtHow Will the Fed's Rate Hike Impact You?The Fed raised interest rates. What does that mean for you? In this week's episode of The Crushing Debt Podcast, we discuss: The Fed's rate increase and its impact on inflation and interest rates. What you can do to curb the impact of inflation on your finances. Governor DeSantis's veto of the increase of the automobile exemption to $5,000. and other topics. You can find the article we discuss at this link: https://news.yahoo.com/five-ways-fed-interest-rate-100000962.html Let us know how you are or will be impacted by these changes? Do you think...2022-06-3032 minCrushing DebtCrushing DebtHow Many People Live in Your House?How much money does your spouse make? What about your significant other? What about your roommate or kids? Many clients get confused that bankruptcy is based on their income alone. Unfortunately, when someone files bankruptcy, whether they can file Chapter 7 or 13 is based on the household income whether or not the spouse, significant other, roommate, etc. files bankruptcy. Unfortunately, this can cause issues when the person filing makes no money, but others in the house make a significant amount of money. How do we calculate how many people are in the household? That's the subject of today's...2022-04-0722 minCrushing DebtCrushing DebtAlways Sharpen the SawDo you continue to learn? What do you do to feed your body, your mind, and your spirit? Long time listeners know that I read, at least 30 - 45 minutes per day in the morning when I first wake up as part of my daily routine to get ready for my day. The house is quiet and my wife and kids are still asleep (most mornings). Each year, I like to do an episode on some of more impactful books I've read the previous year, which is the topic of today's Crushing Debt Podcast episode. 2022-01-2032 minCrushing DebtCrushing DebtI'll Do It MyselfSmall claims court is designed to allow people to settle their disputes, in court, without using attorneys. The proceedings are a little less formal, there are opportunities to settle the dispute through mediation right at the beginning of the process, hearings are streamlined, and the process is for disputes of $8,000 or less (in Florida). What should you know about small claims court, and why do few attorneys like to practice in small claims court? At the very beginning of the show (Episode 7) I also discussed small claims court. You can hear that show...2022-01-0626 minCrushing DebtCrushing DebtYou Can't Take My House! Can You?What four (or five) creditors can foreclose and take away your primary residence? What legal authority in Florida allows a creditor to take your home? How does the Florida Homestead Laws play into this analysis? What can I do if my credit card company records a judgment against my homestead property? In this week's episode, I describe the four (maybe five) creditors that can take your primary residence through foreclosure: (1) Property Tax Collector, (2) Mortgage Company, (3) Contractor who does work on the home, (4) the IRS, and (5) your homeowner or condo association. 2021-12-0933 minCrushing DebtCrushing DebtCrushing MY Medical DebtWhat do you have to be thankful for this Thanksgiving 2021? The Yesner family has had its share of doctors and hospitals this year and thankfully, everyone is okay! The goal of my podcast is to help people with the general message that "everything is going to be okay." Today I want to try to help with a message that is more health-related.  We're all human and we all have health issues from time to time. Today's episode of The Crushing Debt Podcast is a slight deviation from my normal topics - it is n...2021-11-2540 minCrushing DebtCrushing DebtA Guide to Title InsuranceOne question we received this week from a client: "I'm buying a house from my parents, should I get title insurance?" The Florida Department of Financial Services licenses and oversees Title Insurance in the State of Florida.  They put out a great guide to title insurance that we review in today's episode of The Crushing Debt Podcast. The link to download the guide is: https://www.myfloridacfo.com/division/consumers/understandingcoverage/guides/documents/TitleInsurance.pdf The guide is a short read, about eight pages long and covers the basics: the closing, t...2021-11-1831 minCrushing DebtCrushing DebtGet Off My Lawn!You added someone to the deed of your house - maybe years ago, maybe months ago - and now you want them off of the deed.  How do you do that? That is the topic of today's Crushing Debt Podcast episode, and the answer is both simple and complex. I also take some time to update you on what Yesner Law is up to in the coming months, specifically: The Great Westchase - a great 10k, 5k, 1-mile race through my home neighborhood of Westchase on October 23, 2021, starting at 7 AM.  You can find more in...2021-09-2323 minCrushing DebtCrushing DebtI Don't Want Repeat ClientsFiling 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, t...2021-04-2226 minCrushing DebtCrushing DebtExcuse Me Ma'am, Your Wage Gap Is ShowingGender 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 g...2021-04-0837 minCrushing DebtCrushing DebtTop 52 Books to Crush Your DebtWhat 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...2021-01-0731 minCrushing DebtCrushing DebtBecome Debt Free in Less Than One HourImagine 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...2020-11-1236 minCrushing DebtCrushing DebtWhat 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...2020-08-2014 minCrushing DebtCrushing DebtWhat 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...2020-06-1129 minCrushing DebtCrushing DebtBusiness Interruption Insurance, Part 2Last 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...2020-06-0443 minCrushing DebtCrushing DebtHow to Wipe Your Dad’s ButtOn 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 sto...2020-05-2124 minCrushing DebtCrushing DebtThanksgiving 2019Happy 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...2019-11-2824 minCrushing DebtCrushing DebtBare Bones BankruptcyHappy 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...2019-10-3122 minCrushing DebtCrushing DebtHere We Grow AgainCrushing Debt Podcast audience, meet Lauryn Fabrizio, our new associate attorney at Yesner Law. Lauryn will be joining me from time to time to “co-host” the show, answer your questions, and provide additional knowledge and an additional perspective. On this week’s show, we answer a few listener questions regarding various issues, including landlord/tenant law. To contact me with questions, please email me at Shawn@YesnerLaw.com. To contact Lauryn, email her at Lauryn@YesnerLaw.com.2019-07-2523 minCrushing DebtCrushing DebtSeven Rules for Real Estate InvestingNick 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 prev...2019-07-0423 minCrushing DebtCrushing DebtHappy ThanksgivingHappy Thanksgiving from The Crushing Debt Podcast and Yesner Law! I recorded this episode while waiting for my open house to start.  The open house was a celebration of my 20 years practicing law, so it provided a great opportunity to review 2018.  I also provide some insight into how I set and track goals.  I also look forward to 2019. Thank you all for being listeners to the show!  If you have questions, contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com. Have a great Thanksgiving Holiday and a prosperous 2019! 2018-11-2216 minCrushing DebtCrushing DebtComing Off of the Freddie Mac Exclusionary ListI'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...2018-09-2014 minCrushing DebtCrushing DebtB.O.U.N.C.E. back with Robin LavitchThis week's guest is a returning guest from Episode 92 ("What's Your Relationship with Money?").  In this episode we discuss how to B.O.U.N.C.E. back from setbacks. BOUNCE stands for: Beliefs Optimism Understanding Yourself Nurturing Connections Compassion Efficacy (having a sense of the ability to achieve or esteem) In this episode we talk about how to change or overcome your beliefs.  What are some of your beliefs in terms of money and overcoming set backs? You can contact Ro...2018-01-2513 minCrushing DebtCrushing DebtNick Raithel, REI 7-Hour BookNick 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...2017-12-0713 minCrushing DebtCrushing DebtLiving a Spectacular Life, My Referrals for Life CommunityThis week's episode was recorded during a Referrals for Life social at my house. I had 5 guests: Tom Fleming- TomF@BNI.com (BNI Executive Director and Asentiv Trainer) Rob Kellog - Rob@FastBreakMarketingTeam.com (Fast Break Entertainment and Brewing Up Business) Tiffanie Kellog - TiffanieK@asentiv.com (Asentiv Trainer, Fast Break Entertainment and Brewing Up Business) Jason Avery - Jason@AveryHomeRemodeling.com (Avery Construction, Asentiv Trainer, Constructing Success, Inc., and a new Cabinet Company startup) Dr. Marnita Sandifer - SpaCafe@RoadRunner.com (Spa Cafe and BNI Trainer) 2017-08-2413 minCrushing DebtCrushing DebtInterview with Public Adjuster Andrew GordonIn 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...2017-05-1113 minCrushing DebtCrushing DebtShawn Interviews Tiffanie Kellog who Interviews ShawnIn 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 ca...2017-02-0911 minCrushing DebtCrushing DebtInterview with Tyler Sheff of The Cash Flow GuysIn 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 cr...2017-01-1910 minCrushing DebtCrushing DebtBankruptcy Chapter 6.5Bankruptcy 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 th...2016-12-1512 minCrushing DebtCrushing DebtInterview with Barb HennesseyIn 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...2016-10-2810 minCrushing DebtCrushing DebtInterview with Commercial Realtor David RosenthalIn this week's episode of the Yesner Law Podcast, we interview David Rosenthal, who is a commercial real estate agent here in Tampa Bay. David has accounting experience and experience with helping his clients review a commercial real estate deal to see if it is a good fit for the client's needs. Commercial and Residential real estate are really two completely different things. Most residential realtors know nothing about commercial real estate. If you'd like to contact David, please call 813-245-7333.  David@GrimaldiCommercialRealty.com.  If you have questions that would ma...2016-10-1408 minCrushing DebtCrushing DebtWells Fargo and Bankruptcy, a Bad MixHello Yesner Law Podcast listeners.  This episode is all about Wells Fargo and Bankruptcy.  I wrote a blog about this topic below.  For this week's episode, I simply read the blog post because I think the content is still good and accurate.  I hope you enjoy.  If you have questions or ideas for another episode, please contact me at Shawn@yesnerlaw.com or www.YesnerLaw.com. http://www.yesnerlaw.com/blog/2013/08/bankruptcy-and-wells-fargo.shtml Each night, as we sleep, Wells Fargo combs the Federal electronic database of all new bankruptcy filings looking for a customer that filed Ch...2016-10-0606 minCrushing DebtCrushing DebtWhat 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...2016-09-2212 minCrushing DebtCrushing DebtInterview with Kelly JenkinsThis week, we interview Kelly Jenkins, who helps with merchant services - in other words, credit card processing.  Kelly sells the technology and point of sales systems (POS) for companies that want to take credit card payment (Yesner Law does take credit card payments, FYI). Kelly has had many different experiences in her career, including being a sales associate for personal training, her merchant services business, and her Hidden Kitty Litter Box business, which can be found in the link below: https://www.etsy.com/listing/293066791/hidden-kitty-litter-box Kelly has a great story about h...2016-08-0507 minCrushing DebtCrushing DebtThe Mortgage Debt Relief ActIn 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 h...2016-07-2909 minCrushing DebtCrushing DebtInterview with Katie DavisIn 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) me...2016-07-2111 minCrushing DebtCrushing DebtSo You Want to be a Real Estate Investor?This episode of the Yesner Law Podcast is dedicated to our real estate investor clients. In this episode we discuss real estate flips or simultaneous closings.  Where can investors get in trouble with these types of deals?  How can real estate investors protect themselves in these types of transactions. Please also check out a friend of the lawfirm, Tyler Sheff, with The Cash Flow Guys and his podcast.  You can find Tyler at www.CashFlowGuys.com.  Tyler is one of the real estate investors that we think does things properly and his podcast is devoted to helping new...2016-07-0811 minCrushing DebtCrushing DebtForeclosure Timeline in FloridaThank you for your patience as we migrated the Yesner Law Podcast from one platform to the next.  All but our first podcast episode migrated from one website to the other, so we are re-releasing Episode 1. In this first episode of the podcast, we look back on the "Speedy Foreclosure Law" that was passed by the Florida Legislature, and how that has impacted foreclosure law in Florida.  Have foreclosures sped up?  Has the new law helped, hurt or had no impact? If you have questions, please email me at Shawn@YesnerLaw.com, or visit our webs...2016-06-2811 minCrushing DebtCrushing DebtTrustee Sales in Bankruptcy CourtIn 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...2016-04-1411 minCrushing DebtCrushing DebtFlorida's Homestead ExemptionIn this episode of the Yesner Law Podcast, we talk about the differences between the Florida Homestead Exemption, and the Homestead Exemption in Florida. What is the difference? One is based on Florida's Constitution and Statutes, while the other is a reduction of the taxable value of the home. The two are related just less so than people think. To find out more, please visit our website. We have many blogs discussing the homestead exemption, including http://www.yesnerlaw.com/blog/2013/05/homestead-asset-protection-strategies.shtml, or you can send me an email at Shawn@Yesnerlaw.com.2016-03-3110 minCrushing DebtCrushing DebtCharged Off DebtWhat happens when a creditor charges off a debt? Does the borrower still owe it? Does it report on credit? Can the creditor sue for it? We answer these questions and more in this episode of the Yesner Law Podcast. Many people get confused on what happens when a debt is "charged off." We hope you enjoy this episode and if you have questions, please email me at Shawn@YesnerLaw.com, or visit the website at www.yesnerlaw.com.2016-03-0409 minCrushing DebtCrushing DebtWhat is a Partition lawsuit?In lucky episode 13 of the Yesner Law Podcast (one-quarter of the way through a full year of episodes!) we discuss partition lawsuits. Partition lawsuits are for people who jointly own property and cannot decide what to do with it. Typically, it involves family members who inherit property and one wants to live there and another wants to sell. If you have questions about partition, real estate litigation, or any other areas of law, please let me know at Shawn@YesnerLaw.com, or visit the website at www.YesnerLaw.com.2016-02-1907 minCrushing DebtCrushing DebtInterview with Tiffanie KellogEpisode 12 of the Yesner Law Podcast is an interview with Tiffanie Kellog. Tiffanie is dedicated to helping others make more money in less time so they can have more fun. Tiffanie is the #1 trainer in the United States for The Referral Institute, and a trainer for BNI. Tiffanie is also an author and, in this episode, we discuss her new book 4 1/2 Networking Mistakes, which you can order on Amazon. For more information, please visit our website, www.yesnerlaw.com, or email me at Shawn@Yesnerlaw.com.2016-02-1110 minCrushing DebtCrushing DebtProbate Questions with Lee CarrIn this episode of the Yesner Law Podcast, we interview Lee R. Carr, II. Lee practices elder law, estate planning and probate law. Lee helps answer what happens when one spouse dies, leaving the other to help maintain and make payments on the house. Whether the surviving spouse should keep the house, sell the house, modify the loan, etc., are all questions that arise in this unfortunate time, and we can help answer those questions. We welcome suggestions on this episode or future content at Shawn@YesnerLaw.com or www.yesnerlaw.com.2016-01-1412 minCrushing DebtCrushing DebtInterview with Jason Avery of Avery ConstructionOur first official guest of the Yesner Law Podcast is Mr. Jason Avery, owner of Avery Construction. Jason and I discuss different issues related to construction law, and how contractors and clients can avoid construction related disputes and avoid attorney involvement. For more information about construction law issues, please visit our website www.yesnerlaw.com.2015-11-0511 min