Crushing Debt

In this week's episode of the Crushing Debt Podcast, I answer more listener questions, like:

1. Can you finance a car while in a Chapter 13 bankruptcy?

2. Can a landlord garnish wages?

3. Does it pay to fight a lawsuit against me seeking $1,200?

4. Is a homeowner entitled to surplus funds following a foreclosure sale?

5. Can sellers change their mind about selling their property?

Thank you for supporting the podcast by sending in some great questions. We hope you enjoy the content and please keep the questions coming. If you have questions related to any of the above questions that I answered, please reach out at [email protected], or www.yesnerlaw.com.

In this week's episode, we talk about the intersection of bankruptcy and condominium / homeowner association law.

Many times, people don't understand that they still owe their homeowner association or condominium association even though they filed bankruptcy. This is because the bankruptcy code says that assessments due post-filing (post-petition) are not dischargeable, or are debts that are unaffected by the bankruptcy filing.

What do you think? Should ongoing assessments be dischargeable after the bankruptcy is filed? Let us know at [email protected] or www.yesnerlaw.com.

In this week's episode, we interview Richard Ficca, owner of Florida Coastal Insurance.

Rich is a friend, referral partner, and mentor. Rich has built a multi-million dollar insurance company. He's been in the insurance industry for over 21 years, 15 of that as an instructor for other insurance agencies. Rich is also an insurance agency valuation expert.

Rich talks all about hurricane preparedness, but brings it into the 21st Century. You'll hear Rich's explanation of:

- How to document all of the stuff in your home.

- What apps you should have on your phone.

- Using a thumb-drive to store your personal information.

- Why you should buy a $5 power strip.

You can contact Rich at www.FloridaCoastalInsuranceAgency.com, or email him at [email protected], or call Rich at 727-569-6000 x 101.

What are some of your best Hurricane tips? Email me at [email protected]

We recently had our neighborhood garage sale, and it occurred to me that I could use that opportunity to practice my negotiation skills with very little risk.

When negotiating, you need to have two things in mind:

1. What is your price (either as a buyer or as a seller)? Know your value and be confident about it. When dealing with a creditor, know your financial information, so you can be confident in the settlement offer to the creditor.

2. There is value in taking less or compromising - a value to "not put it back in the garage." When settling debt, there is a value to getting the creditor to go away, even if the creditor is asking for more than what you want to pay. What is the opportunity cost inherent in settlement? What is the emotional value to settle?

If you have questions regarding debt settlement, please contact me at [email protected] or www.yesnerlaw.com.

In this week's episode, we interview Tom Wolf, a business coach, author and speaker here in the Tampa Bay area.

Tom's business excels at helping business owners to leverage themselves, so they can work on their business instead of in their business. Tom has an interesting and diverse background. He has owned an IT Staffing Company, 10 Great Clips Franchises. Tom has a lot of experience in building and selling companies.

Now Tom focuses on finding your purpose and has a 7-step program to answer the question, "who am I and why am I here?" Tom also has a work-book related to his coaching program.

To contact Tom or Pam Wolf, you can get ahold of them at:

www.TomandPamWolf.com

www.IdentityandDestiny.com

[email protected]

You can contact me at [email protected] or www.yesnerlaw.com

Another week, another listener question.

In this episode we answer a realtor question: "How does someone rent out a house in Foreclosure? Is this a scam? It is in the MLS"

Interestingly, this is not, necessarily, a legal question. It may be a moral question.

What do you think? Let me know if you think it should be proper to rent out your house while the house is in foreclosure.

[email protected]

www.yesnerlaw.com

In this week's episode, we answer a question from a listener in Colorado.

"I no where near the point of bankruptcy, but my husband and I have a lot of debt and are treading water trying to stay afloat most of the time. Any tips on consolidating debt or getting things paid off quickly for the self-employed."

First, the laws are different between Colorado and Florida.

Second, what type of debt are we dealing with - unsecured debt, secured debt, student loans, IRS, credit cards, hospital bills, etc.?

In this episode, we answer the listener questions with some tips on consolidating and ultimately crushing your debt.

Please share this episode on social media if you enjoy the content!

You can contact me at [email protected] or www.yesnerlaw.com

Would you like to write a book in seven hours or less? Do you want a system to get a professionally-published book in seven hours or less?

This week's guest is Nick Raithel of The Seven Hour Book. Nick can put together content, create graphics, help with publishing, and anything else necessary to get a book completed that you write!

So how does this have to do with Crushing Debt? Writing a book will position you as a leader in your industry, thus generating direct revenue (from book sales) or indirect revenue (through search engine optimization, speaking engagements, etc.). In addition, providing material through a published book is a way to give back to the community by sharing information.

You can reach Nick by going to his website www.contentcorps.net.

If you have questions about becoming a published author in 7 hours or less, please contact Nick.

If you have questions that I can answer, please contact me at www.YesnerLaw.com. If you want more information about our upcoming book, Crushing Debt, please email me directly at [email protected] with the subject line "Crushing Debt Book."

Episode 63 of the Crushing Debt Podcast is our interview with Juliet Kyes of ActionCOACH Tampa Bay.

One way to eliminate debt is to work with a business coach and ActionCOACH Tampa Bay is one of the best, not only in the Tampa Bay area, but also within the ActionCOACH Franchise.

Juliet and I discuss:

- The Five Ways, which is an ActionCOACH system designed to help increase results in business.

- The ActionCOACH library of materials.

- OMG! WTF? What's the Focus?: A Guide for Building an Actionable Business Plan by the ActionCOACH Tampa Bay team. You can find it here on Amazon: https://www.amazon.com/OMG-WTF-Whats-Focus-Actionable/dp/0692443290/ref=sr_1_1?ie=UTF8&qid=1495052695&sr=8-1&keywords=juliet+kyes

And other great material!

You can reach Juliet by going to her website: www.ActionCOACHTampaBay.com

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

In this week's episode, we explain the difference between an Eviction, and Ejectment and an Unlawful Detainer lawsuit.

Sometimes, landlords and even Courts and attorneys confuse the difference between the three types of cases.

All three types of lawsuits accomplish the same goal - getting someone or something off or out of the owner's property. However, how we get there is different for each type of lawsuit.

We hope you enjoy this week's episode. Please let us know if you have any questions - [email protected] or www.yesnerlaw.com