Crushing Debt

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: www.ShawnMYesner.com/BecomeDebtFree

Some other links mentioned in today's show:

• Get a free copy of your credit report at www.annualcreditreport.com
• How many years must you wait between bankruptcy filings if you have to file again? How many years between bankruptcy filings? | Yesner Law

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. [email protected] or www.AttorneysFirst.com.

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

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 www.kiwanismidnightrun.com.

To contact Tom or Paula, or to learn more about them and their firm, visit www.RomanRomanLaw.com, you can find them on Facebook at Roman & Roman, you can email them at [email protected], 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 - [email protected] or www.AttorneysFirst.com.

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 www.ShawnMYesner.com/BecomeDebtFree.

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:

• www.sellingwithservice.com
• https://facebook.com/sellingwithservice
• www.YouTube.com/LizDederer
• www.LinkedIn.com/in/LizDederer
• www.Instagram.com/HolyShiftYourSales
• www.120k.Club

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 - [email protected] or www.AttorneysFirst.com.

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 www.ShawnMYesner.com/BecomeDebtFree.

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. [email protected] or www.AttorneysFirst.com.

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 www.ShawnMYesner.com/BecomeDebtFree.

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: www.fearlessinnovator.com/freebook

LinkedIn: www.linkedin.com/in/mechielkopaska/

Instagram: https://www.instagram.com/fearlessrealestateinnovator/

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 [email protected] or www.AttorneysFirst.com.

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 www.ShawnMYesner.com/BecomeDebtFree.

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: https://youtu.be/-xSzE0oJJzY

Please remember to visit our sponsor, Sam Cohen at www.AttorneysFirst.com. 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 [email protected].

I am also still promoting my second book "Become Debt Free in Less Than One Hour" at www.ShawnMYesner.com/BecomeDebtFree.

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 [email protected]. 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 www.ShawnMYesner.com/BecomeDebtFree.

Please also refer any attorneys or title companies you know to our sponsor, Sam Cohen at [email protected] or www.AttorneysFirst.com.

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 - www.dressedsmart.com. Or you can contact Francesca at [email protected].

If you want to connect with Erin you can email her at [email protected]. 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- www.AttorneysFirst.com or [email protected].

If you have any other debt-related questions, please connect with me at www.ShawnMYesner.com/BecomeDebtFree

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 [email protected] or visit her website at www.ChristieArkovich.com

Please also refer an attorney or title company you know to our sponsor, Sam Cohen at [email protected] or www.AttorneysFirst.com.

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: www.ShawnMYesner.com/BecomeDebtFree.

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:

• www.oliverolaw.com
• (813) 654-5777
• [email protected]

Facebook:

• https://www.facebook.com/shiobhan.saffelsolivero
• https://www.facebook.com/SOliveroLaw
• https://www.facebook.com/ShiobhanOliveroSpeaks

Instagram:

• https://www.instagram.com/oliverolaw
• https://www.instagram.com/sosspeaks

LinkedIn: https://www.linkedin.com/in/shiobhanoliveroattorney/

YouTube:

• https://www.youtube.com/channel/UC7JGCXeoBYX1sI2Y-WfaDSw - sosspeaks
• https://www.youtube.com/channel/UC643FqXYT-B_4_5UDguUzPQ - olivero law

Divorce Workshop: https://www.divorceworkshopfl.com

Please also refer an attorney or title company to our long-time friend and sponsor, Sam Cohen of Attorneys First Insurance - [email protected], or www.attorneysfirst.com.

If you are recently divorced and looking to become debt free, connect with me at www.ShawnMYesner.com/BecomeDebtFree