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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 info@RomanRomanLaw.com, 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 - Sam@AttorneysFirst.com 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 - Sam@AttorneysFirst.com 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: Have All Your Documents Get Pay Off quotes from all Secured Creditors Prior to Filing Send Filed Tax Returns to the Trustee Annually Have Stability in your Income & Expenses Make Your Chapter 13 Payments Listen to Your Attorney Cooperate with Creditors Cooperate with the Trustee Be Honest With Your Attorney Review Documents Filed by Creditors Estimate Accurately Before Filing Communicate After the Case is Over 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. Sam@AttorneysFirst.com 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 Sam@AttorneysFirst.com 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 Sam@AttorneysFirst.com.  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: Tenant used best efforts to obtain all available government assistance for rent or housing; 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; 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; Tenant is using best efforts to make timely payments that are as close to the full payment as the circumstances permit; 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 Shawn@YesnerLaw.com. 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 Sam@AttorneysFirst.com 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 StyledByFZ@gmail.com. If you want to connect with Erin you can email her at EWamboldt@bespokeandcofl.com.  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 Sam@AttorneysFirst.com. 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 Ha@ChristieArkovich.com or visit her website at www.ChristieArkovich.com  Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com 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 info@oliverolaw.com 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 - Sam@Attorneysfirst.com, or www.attorneysfirst.com. If you are recently divorced and looking to become debt free, connect with me at www.ShawnMYesner.com/BecomeDebtFree    

I am very excited about this week's guest on The Crushing Debt Podcast. His daughter was on Episode 63 - discussing ActionCOACH Tampa Bay and The Five Ways system. His wife was on Episode 193 - OMG! WTF! Today's episode is my interview with third ActionCOACH Tampa Bay partner - Ford Kyes! I've known Ford for more than 13 years and we discuss: How business owners can break out of a slump Developing other opportunities to increase income How to maintain focus, especially when you feel like you're losing it Setting SMART goals And other topics You can visit their website, www.ActionCoachTampaBay.com and visit the Events Page to register for a complimentary event and coaching session! You can also find their first book, OMG! WTF! and find information about the release of their second book, tentatively titled "Go Focus Yourself!" Please also visit our sponsor, Sam Cohen at Attorneys First Insurance, Sam@AttorneysFirst.com or www.AttorneysFirst.com. Refer an attorney or title company you know to Sam for a malpractice insurance quote. If you want to become debt free, order my new book at www.ShawnMYesner.com/BecomeDebtFree 

When I moved to Clearwater to take a job at a foreclosure mill law firm, the firm provided a retirement account to all of its employees. I remember meeting with the financial advisor. Instead of getting financial advice, I got graphs and charts all in pretty colors.  I didn’t understand a thing about what the advisor was suggesting, but the colors on his charts were pretty! This week’s guest on the Crushing Debt Podcast is nothing like that financial advisor. Simon Brady is the founder and owner of Anglia Advisors, and focuses on working with individuals with major life changes - newly divorced, widows/widowers, foreign nationals and new parents. Simon and I discuss: Re-writing wills and life insurance after a divorce Changing bill pay and other financial products Adjusting retirement planning Accounting for previous joint debt Accounting for financing for previous homes and cars You can reach Simon at www.AngliaAdvisors.com for more information. Also remember to refer an attorney or title company you know to our sponsor Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com.  Please also check out my new book for more ideas on making money and reducing expenses: www.ShawnMYesner.com/BecomeDebtFree 

Will evictions and foreclosure ever resume? Since being inaugurated, President Biden has by executive order extended federal moratoriums on evictions, foreclosures, and student loan repayments first implemented by the CARES Act, the CDC, and the previous administration. Although recorded recently, some of the timelines in this episode have already changed.  As of this post: Evictions for purposes of COVID are postponed under CDC guidelines until March 31, 2021 (although rumor is this will extend to September 2021); Foreclosures are postponed until February 28, 2021 or March 31, 2021 depending on the owner of the loan; and Student Loan payment, interest, collection on federal loans held by the US Department of Education are suspended until September 2021. Check back here, or at www.YesnerLaw.com or follow us on social media for the latest information. What should you know? Evictions - the CDC prevents evictions if the reason for eviction is due to a loss of income caused by COVID. This only impacts residential evictions, and the CDC has five requirements that the tenant must attest to under penalty of perjury. If one of those five requirements is missing, it is probable that the tenant could still be evicted. The CDC has not (and cannot) eliminate the requirement to pay rent. There is rental assistance available to the tenants to catch up on most or all of their unpaid rent. Foreclosures - FHA and FHFA have suspended all foreclosures and bank-owned evictions until February 28 or March 31, 2021 (unless extended again). The CARES Act requires lenders to offer a repayment plan, and many lenders can modify the loan, but cannot require a lump sum to catch up past due payments missed due to economic factors caused by COVID. The CARES Act does not eliminate the requirement to pay mortgage payments. Student loans - For federal loans owned by the US Department of Education, there is a suspension of payments, interest accrual and collection, until October 2021. If you have specific questions, please reach out to Shawn@YesnerLaw.com. Please also refer an attorney or title company you know to our sponsor Sam Cohen - Sam@AttorneysFirst.com or www.AttorneysFirst.com.  Stay safe, get a vaccine, wash your hands, social distance, and please be nice to each other!

When would you send someone flowers? A birth? A death? Graduation? Promotion? Medical recovery? Just moved in? Employee benefit? What if, instead of flowers, you could send a meal made with fresh ingredients by a gourmet chef? My interview this week is with Micah Serwitz, owner of Instead of Flowers, a gourmet food delivery service.  I've used Instead of Flowers to send meal gifts to someone recovering from a heart attack, to a family displaced from their home after a fire, and I've heard of them being used for all the reasons above, and more! Micah and I discuss: (1) how and when people can use Instead of Flowers, (2) why they are different than a standard meal delivery service, and (3) how the pandemic has impacted their business. You can order from or for anywhere in the United States at their website: www.InsteadOfFlowers.com. If you don't know what your recipient would like to eat, you can order a gift card as well and they can choose! Please also refer an attorney or title company to our sponsor, Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com.  While they're eating a delicious meal, your recipient can also read my book to become debt free - www.ShawnMYesner.com/BecomeDebtFree. 

Do you dream of taking your business to the next level, but don't know where to start? Do you want to work on the things that light you up versus the things that drag you down? Learn how to maintain a positive attitude even in the face of adversity! Do you feel stuck in a hole or stuck in a rut and want to get out? Have you created complimentary businesses to provide additional revenue to you and your company? I am beyond excited to bring one of my heroes, one of my mentors onto this week's episode of the Crushing Debt Podcast - Dr. Ivan Misner, Founder and Chief Visionary Officer of BNI, the world's largest business networking organization. You'll want to have a pen and paper with this episode, as Dr. Misner answers the above questions and the interview is FILLED with knowledge you can use to widen your network and generate more business. You can follow Ivan on Social Media.  You can check out BNI at www.BNI.com (or the Tampa Region at www.BNITampa.com), or follow his blog at www.IvanMisner.com.  Please also refer (in the spirit of giving) attorneys and title agents you know to our sponsor Sam Cohen.  Sam@AttorneysFirst.com or www.AttorneysFirst.com. Please also check out my free book on how to become debt free: www.ShawnMYesner.com/BecomeDebtFree. 

What books have been the most influential to you? Who are your favorite authors? For as long as I can remember, I have read - books, magazines, articles, whatever I can get my hands on. I enjoy reading and believe that the most educated becomes the most successful. In 2020, I made a goal to read 50 books. I accomplished that goal on December 15, 2020, and read two more books, bringing my total to 52 books for the year (averaging one book per week). As I've done the last few years, I wanted to highlight some of the books I read, and the lessons learned. All fifty-two book had an impact on me, but these are the ones that stood out. Thanks again to our friend and sponsor, Sam Cohen with Attorneys First Insurance, who you can reach at www.AttorneysFirst.com, or Sam@AttorneysFirst.com. The below list are the books I discuss on the show.  Some of the links are affiliate links, so if you click on the link and buy a book, I might earn a small fee: Never Split The Difference - Chris Voss - https://amzn.to/2XgPvfJ Get Sh*t Done - Jeffrey Gitomer - https://amzn.to/2MxgPEm Debt: The First 5,000 Years - David Graeber - https://amzn.to/35fX2A3 Socks to Success - Tiffanie Kellog - https://tiffaniekellog.com/product/socks-to-success/  9 Unconventional Ways to Grow Your Podcast - Mark Asquith - https://www.markasquith.com/grow How to Wipe Your Dad's Ass - Brian Morris - https://wipeyourdadsass.com Copywriting Secrets - Jim Edwards - https://amzn.to/395PQaJ Dotcom Secrets - Russell Brunson - https://www.expertsecrets.com?cf_affiliate_id=2561551&affiliate_id=2561551 Expert Secrets - Russell Brunson - https://www.expertsecrets.com?cf_affiliate_id=2561551&affiliate_id=2561551 Traffic Secrets - Russell Brunson - https://www.trafficsecrets.com?cf_affiliate_id=2561551&affiliate_id=2561551 Become Debt Free - Shawn Yesner - www.ShawnMYesner.com/BecomeDebtFree The Student Loan Lawyer's Guide to Understanding Student Loans in Plain English - Joshua Cohen - https://thestudentloanlawyer.com/the-student-loan-lawyers-book Atomic Habits - James Clear - https://amzn.to/3971fqJ Fix This Next - Mike Michalowicz - https://amzn.to/3pW0VSC Your Best Year Ever - Michael Hyatt - https://amzn.to/2XiLBTK Grow A Pair - Larry Winget - https://amzn.to/3s1by8t I'm looking for more books to read in 2021.  What are your suggestions? 

As 2020 comes to a close, most people will set resolutions for 2021. I think setting resolutions is wrong.  I think people should set goals. Resolutions are rarely kept. Goals are accomplished. How do you set goals? What are SMART goals? Should goals be framed in the positive or to avoid the negative? What will you do to accomplish your goals in 2021? I've used these same systems for years to set and achieve my goals, like: Reading 52 books in one year Lauching www.ShawnMYesner.com/BecomeDebtFree Writing and publishing Become Debt Free in Less than One Hour Creating a Become Debt Free Community on Facebook, and Losing over 50 lbs to get into better shape. Let me know what some of your goals are for 2021, and how I can help you accomplish those goals! One of my goals is to better support our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.   

This week's guest on the Crushing Debt Podcast is very special. We needed to record a few days ago because he's preparing for a flight later today. My guest knows if you've been naughty or nice! I was introduced to this week's guest through my friend, Joe Cairns, who practices family law and helped my guest with his marital problems years ago.  Although he's a divorce attorney, Joe helped my guest salvage his marriage and we talk about those issues - as well as other debt-related issues that come up in divorce. You can contact Joe at Cairns@CairnsLaw.com or www.CairnsLaw.com.  If you haven't guessed by now, my guest on this week's episode is Santa Claus! Santa is good friends with our sponsor, Sam Cohen at Attorneys First Insurance. I'm sure Sam can tell you stories about Santa too, if you contact Sam at Sam@AttorneysFirst or www.AttorneysFirst.com. And, if you ask nicely, Santa can tell you where to get copies of my books, Crushing Debt, and Become Debt Free, as stocking stuffers (instead of coal). Thank you Joe for the information for this week's episode, although the interview of Santa is parody. Merry Christmas and Happy Holidays to all who celebrate from The Crushing Debt Podcast!

Imagine you've bought a home, likely the largest investment you'll ever make in your lifetime. The house is perfect: enough bedrooms for your kids to have their own space, great kitchen, master bedroom with walk-in closets, a yard outside with space to set up your grill and entertain, etc. You move in and things are great, for a few months.  Then you notice things start to go wrong. Something doesn't work quite right. Something is off. Then a major component goes bad: the electrical system, the plumbing, the roof, the air conditioning unit, or something else. Why didn't the seller disclose to you that something was wrong? Now, its going to be thousands of dollars to fix - thousands of dollars that you don't have because you just closed on the house? What do you do? Put the shoe on the other foot ... you love your house, but its time to sell and upsize or downsize.  Yes, the house has its quirks, but everything works fine.  You sign a contract with the buyer, they do their inspections, then you close.  You are sad to move, but excited about your new house and happy that the buyers love the house and will take care of it from here on out. Months later, you get a nasty letter from an attorney, or a call from your Realtor - the buyers are going to sue unless you pay thousands of dollars because you did not disclose some issue with the electrical system, the plumbing, the roof, the air conditioning unit, or something else. But, you argue, the Buyer did their inspections and you didn't know about the issue that may now form the basis of the lawsuit against you. What do you do? In this week's episode of The Crushing Debt Podcast, I discuss the seller's responsibility to disclose and how that is based on the Florida Supreme Court case of Johnson v. Davis, 480 So.2d 625 (1985). Did the seller know of the issue? Does it materially affect the value of the property? Is it readily observable? Is it unknown to the buyer? If all these facts are present, then the Seller must disclose the issue to the Buyer. Of course, if all these issues are present, there's one more factor - is the Buyer collectible? Please remember to refer our sponsor, Sam Cohen, to an attorney or title company you know so he can provide a quote on malpractice insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com. Remember, my second book, Become Debt Free in Less Than One Hour, is still free at www.ShawnMYesner.com/BecomeDebtFree.   

It seems like lenders grant or deny loan modifications at random, but there is a set of criteria that they follow, that until now has been a bit of mystery. Our guest on this week’s Crushing Debt Podcast, Sue Reynolds, a Realtor with Archer Realty, created a worksheet using the bank’s formulas to support when clients should qualify for a loan modification. Sue created the Homeowner Expense Analysis Worksheet to use as a supporting document in applications for loan modifications and short sales. The Expense Worksheet is a budget worksheet that helps predict when a modification should be denied or approved. Sue has allowed me to share the worksheet with you! Go to www.ShawnMYesner.com/ExpenseWorksheet to get your free copy. You can also contact Sue at Sue@ArcherRealty.us, or contact me at Shawn@YesnerLaw.com to learn how to use the worksheet and what to avoid when using the worksheet. In today’s episode, you’ll also learn what loss mitigation is and what they do. Please remember to visit our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com. 

Do you know the five factors that make up your credit score? Do you know what drops your score or how to improve your score? This week's guest on The Crushing Debt Podcast is Kristi Nowrouzi. "Credit Kristi" has been a mortgage loan officer for more than ten years and was a short sale negotiator at my previous law firm for four years. Kristi is a credit specialist and has seen thousands of credit reports and helped hundreds of families obtain their dream of home ownership. Kristi's passion is to teach and guide about the foundations of credit, which is vitally important to have and to protect. Kristi and I discuss: Myths about credit Why credit is so important How to improve your credit score How to re-establish credit after a bankruptcy And more! You can contact Kristi at Questions@CreditKristi.com and subscribe to her podcast Credit Coaching by Kristi. Please introduce our sponsor to attorneys and title companies you know - Sam@AttorneysFirst.com and www.AttorneysFirst.com. If one of your 2021 goals is to become debt free, please visit www.ShawnMYesner.com/BecomeDebtFree.