Crushing Debt

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 [email protected] or www.YesnerLaw.com.

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:

www.BreakTheBusiness.com

[email protected]

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 www.YesnerLaw.com or [email protected]

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:

www.CraigCodyandCompany.com/crushingdebt

You can also connect with me at [email protected] or www.YesnerLaw.com

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 [email protected] or www.YesnerLaw.com.

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 HelloAlex.io

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 HelloAlex.io. Or you can reach out to me at [email protected] or www.YesnerLaw.com.

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 www.ChristieArkovich.com or 813-258-2808.

You can also reach us at [email protected] or www.YesnerLaw.com.

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 www.abundantwealthsolutions.com

Or reach out to us at [email protected] or www.YesnerLaw.com

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 [email protected] or www.YesnerLaw.com

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 [email protected].

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 [email protected] or www.YesnerLaw.com.