Crushing Debt

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.

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, [email protected] or www.YesnerLaw.com.

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 [email protected], if there's anything I can do to help as we hopefully emerge from this worldwide pandemic.

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 [email protected] or www.YesnerLaw.com.

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

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 www.FinAssetProtection.com, 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! [email protected] or www.YesnerLaw.com.

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:

• The Real Build Podcast
• www.RKReiman.com
• www.ReimanProperties.com
• [email protected]

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 - [email protected].

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).

On this special Bonus episode of The Crushing Debt Podcast, we talk about Governor DeSantis's Executive Order, No. 20-94 regarding a stay on mortgage foreclosures and evictions in Florida based on COVID-19.

You can find the Executive Order here.

We also interview our friend, Bill Mantooth the Area Manager for Loan Depot, the largest purchase mortgage lender in the Country, about mortgage forbearances, refinances and modifications. If used correctly, a forbearance can give you some additional room in your budget over the next 3 - 12 months. Used improperly, a forbearance may lead to foreclosure. Learn the differences in this bonus episode.

You can contact Bill at [email protected].

If you have questions for me, [email protected], or www.YesnerLaw.com. We would appreciate if you would share this content with someone you know who has questions about foreclosure, forbearance, evictions, refinances, and modifications.

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 [email protected] or his firm's website www.GibbsGiden.com.

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 www.AttorneysFirst.com.

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, [email protected] or www.YesnerLaw.com.

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 [email protected] or www.WyomingLLCAttorney.com.

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 [email protected] or www.YesnerLaw.com

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 [email protected] or their office manager Ashley at [email protected].

Please also visit our sponsor Attorneys' First Insurance at www.AttorneysFirst.com.

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 [email protected] or www.YesnerLaw.com.