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Episode 170 - What new laws passed, and which died in the 2019 FL Legislative Session

This week's podcast was inspired by our friend and Realtor Tom Scaglione, an agent at Future Home Realty. Tom has forgotten more about the Tampa Bay Real Estate market than most Realtors will ever know. Tom posted about the various laws that passed during the 2019 FL Legislative Session like: And some legislation that didn't pass like: Did you follow the 2019 FL Legislature? What laws would you like to see enacted? Which should be eliminated?...


Episode 169 - #MyMKLife

In this week’s episode of the Crushing Debt Podcast, I interview Linda McElhaney. Currently, Linda works as a purchasing manager at Freedom Square Nursing. As a side-gig or side-hustle, Linda started a Mary Kay business and is now working on being a Director. Some benefits of having her Mary Kay business, Linda has: In fact, Linda has paid off over $4,500 in credit card debt in a short period of time, and saved money for an extended vacation overseas. Incidentally, Linda’s husband also...


Episode 168 - Garage Sale Lessons Part IV

In this week’s episode of the Crushing Debt Podcast, I talk about Preparation. Twice a year, my community has a garage sale. I find Garage Sales to be low-risk environments to practice your negotiation skills. This is the fourth time I’ve had the opportunity to practice something at my community’s garage sale to help my negotiation skills. If you want to listen to previous episodes on this topic: In this week’s episode, preparation could be the difference between making the sale, making...


Episode 167 - Good Lookers

I’m excited about this week’s episode of The Crushing Debt Podcast, because my guest didn’t know she was going to record an episode when she walked into my office, and her boss has been trying to get on the show for a while now. I’ve known Madison Thayer, the Community Connector for SEC Inspection Services for a little more than a year. I’ve know her boss, and the owner of the company, Melissa Menikheim, for many more years than that. SEC Inspection Services is a family owned business...


Episode 166 - Solar Power, Is It Worth It?

On this episode of The Crushing Debt Podcast, we talk about Solar with Tim Converse of Solar Solutions, Inc. Tim has owned Solar Solutions for more than 22 years and has been in the solar industry for 26 years. Tim's company can provide an energy audit to see if Solar is good for you. You can use solar to heat your pool, power your house, and provide you a tax credit (which does diminish every year unless renewed by Congress). Solar power is not batteries - meaning the house still will...


Episode 165 - What is Discovery in Litigation?

In this week's episode of The Crushing Debt Podcast I talk about Discovery, the process by which the parties to a lawsuit determine, challenge, narrow, and identify the evidence to be used in proving their case to the judge and/or jury. There are different types of discovery. Depositions are questions asked in an interview style, under oath. Request for Admissions are written statements that the party must admit or deny as true. Request for Production are designed to force the party to...


Episode 164 - Alternative Business Lending

This week, our guest on the show is Steve Hechtman of Rapid Approved Financing, LLC, an alternative business lender. Steve started the company in 2006 to be an additional source for lending if and when the banks won't lend money. Steve can help with hard money loans, business loans or real estate loans. All of Steve's loans are non-residential, meaning if the loan is going to be supported by your home or residence, Steve is unable to help. This episode is unique in that it is the first...


Episode 163 - Dumb Things Banks Do

I've been saving up stories of banks (and their attorneys) doing things that make no sense, or doing things that are plain dumb. For example: What dumb things have you seen banks do? Please share your stories at or Also remember to visit our sponsor, Elliott Wealth Management Services for your free 15-minute life insurance checkup at


Episode 162 - Nobody Likes Life Insurance

We have Chris Calandra from Elliott Wealth Management Services back on the show to talk about the benefits of life insurance. Chris and Elliott Wealth are now sponsors of The Crushing Debt Podcast, and you can support them by going to the website - to request your free 15-minute life insurance checkup. A service offered only to listeners of the Crushing Debt Podcast. In this week's episode, we talk about the benefits of Term Life Insurance, including to protect your...


Episode 161 - Give Your Way Out of Debt

In this week's Crushing Debt Podcast episode, we have a returning guest, Paul Moore of Wellings Capital. Paul was a guest on Episode 78 talking about reducing tax liability using multifamily investing, and promoting his book "The Perfect Investment." In this week's episode, Paul is back to talk about: 1. Two new private equity funds Paul has launched for real estate investors, an income fund and a growth fund. Paul has used a value formula for commercial real estate investing and...


Episode 160 - The Protecting Tenants in Foreclosure Act

In this week's episode of The Crushing Debt Podcast, I talk about a Federal law that went away, came back in the form of a Florida law, and now is back as a Federal Law - The Protecting Tenants in Foreclosure Act. The federal version of the law allowed a tenant to remain in his lease if the house was taken in foreclosure, except under certain circumstances. The Florida version of the law required a 30-day notice by the creditor (less tenant friendly than the federal version). The new...


Episode 159 - Starting a Business with Derek Bernstein

In this week's episode of the Crushing Debt Podcast, I interview attorney Derek Bernstein. Derek practices personal injury law, represents doctors in PIP (personal injury protection) lawsuits, handles family law matters, and represents small businesses. In this week's episode, we talk about: To connect with Derek, visit, email him at, connect with him on Facebook, or call him at 727-209-7957. Do you have a story of how you overcame debt, or...


Episode 158 - The Good, the Bad and the Ugly of Credit Repair

When someone hires me to file a bankruptcy for them, one of their first questions is "how will this impact my credit?" My concern is eliminating their liability. What good is a credit score that is smashed from unpaid bills and creditors chasing you? Some topics I cover on this week's show: Swipe! The Podcast Credit repair and debt negotiation can be great tools to increase your score or avoid bankruptcy. Please do your due diligence to ensure you're being treated fairly by the credit...


Episode 157 - Wealth Management with Chris Calandra

Welcome to the first episode of Year 4 of The Crushing Debt Podcast! This week's episode is an interview with Chris Calandra of Elliott Wealth Management Services, LLC. Chris is also the host of the Simply Financial Podcast, an innovative, comprehensive, informative and cutting edge Podcast that discusses financial topics ranging from personal finance, economics, politics and personal growth. Simply Financial will cover intriguing and thought provoking questions so that the listener can...


Episode 156 - Podfest Multimedia Expo 2019

Welcome to the last episode of the third year of the Crushing Debt Podcast! When this episode is released, I will be at Podfest Multimedia Expo 2019, attending for the third year and speaking for the second year in a row! As I reflect on last year's episode of the podcast, I am really happy about the goals that I've accomplished between Podfest 2018 to Podfest 2019. I've got 3 goals for Podfest 2019: (1) increase download numbers, (2) sell more Crushing Debt Books, and (3) be a guest /...


Episode 155 - Reading Your Mortgage

In this week's episode of the Crushing Debt Podcast, I review the major clauses of a standard Mortgage. I remember closing on my house(s) and reading the mortgage. Some sections I knew were boilerplate and some sections I slowed down to read. Also, in the course of representing homeowners buying their first home, I typically read the mortgage. This week's podcast episode comes from a question from one of our listeners, Dave. Thanks Dave for a great question! What specific questions do you...


Episode 154 - Asset Protection for Real Estate Investors

In this week's episode of The Crushing Debt Podcast, we talk to our friend and fellow attorney Scott Smith with Royal Legal Solutions, and host of the Real Estate Nerds podcast. Scott and I discuss asset protection issues for real estate investors, but could be used by any business owner, entrepreneur, or solopreneur. Specifically we talk about: - Business owner protecting themselves from frivolous lawsuits. - How a business owner can quickly implement asset protection. - Top techniques...


Episode 153 - Legal Questions from Real Estate Investors

On this week's episode of the Crushing Debt Podcast, I want to talk about real estate investing, specifically: - Entity Structuring (LLC v. C-Corp v. S-Corp) - Subject-to Transactions / Due on Sale violations - Wrap-around Mortgages - Using Florida Land Trusts - Investing Podcasts I listen to regularly - Investing in distressed properties Please listen to the episode if you want to learn how to obtain a free copy of the Crushing Debt Book! If you have questions about real estate...


Episode 152 - We Close Notes with Scott Carson

In this week's episode of The Crushing Debt Podcast, we interview our friend Scott Carson of We Close Notes. We first met Scott at Podfest 2018 and look forward to spending time with him again at Podfest 2019. We were also happy to be a guest on Scott's Show - The Note Closers show. Scott buys and teaches others to buy non-performing debt at a discount, and then negotiates to help people stay in their homes (or leave with dignity and little to no liability). Scott and I discuss what types...


Episode 151 - Home Health Care

In this week's episode, we interview Ryan Abremski, Director of Business Development for Executive Care, a home care company. Health care costs are one of the main reasons that someone files for bankruptcy. As we age, health care becomes an increasing concern. But what if we're still "young" and need a bit of help around the house while recovering from surgery, or if we have some medical issue that prevents us from taking care of ourselves in the home. Ryan's company helps to take of us in...