I interview Michael Hoverson, a bankruptcy lawyer in Minneapolis who has filed bankruptcies for 31 years. Over the years, he's also noticed that there are many debts that bankruptcy completely ignores.

So he's learned legal techniques to slay these "zombie debts," like student loans and tax debts. That's one reason he's been able to spend less on marketing, yet still keep busy in a shrinking bankruptcy market.

Some of the highlights in this interview include:

* How Michael learned how bankruptcy can help with student loans, by practicing in a world long ago where the Bankruptcy Code didn't have a huge student loan loophole.

* How you can turn a single bankruptcy lead into FIVE SEPARATE CASES: (1) a bankruptcy petition, (2) an IRS tax resolution case, (3) a state tax case, (4) private student loan litigation, and (5) a federal student loan rehabilitation case.

* When Michael uses the "undue harship" standard to discharge student loans (and when he doesn't bother trying).

* Exactly how he gets clients eager to pay large legal bills to make their tax problems go away.

* And a whole lot more, including how to make money from enrolling federal student loan borrowers into income-based repayment plans.