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Episode 127 - Timeshare Exiting with Gordon Newton

In this week's episode of the Crushing Debt Podcast, we interview Gordon Newton, President and Co-Founder of the Newton Group. Do you have a timeshare that you don't want anymore? Were you "oversold" on your timeshare? Are you interested in buying a timeshare? If so, check out "The Consumer Guide to Timeshare Exit" written by Gordon, which is available on his website at Although he's not an attorney, I first heard Gordon on The Cash Flow Guys podcast,...


Episode 126 - How to Complete Schedule I & J of the Bankruptcy Petition

In this week's episode, I go over Schedules I & J of the Bankruptcy Petition. Schedule I describes the debtor's income - all sources of the debtor's income: wages, income from operating a business, interest and dividends, family support (like alimony and child support), unemployment, social security, pension, government assistance, and "other." Basically any and every source of income must be disclosed on Schedule I. Conversely, Schedule J describes all of the debtor's expenses - rent,...


Episode 125 - Parents' Responsibility for their Kids with Attorney Dale Appell

We interviewed personal injury attorney Dale Appell in Episode 123 of The Crushing Debt Podcast. Dale is back for this week's episode. I talk to Dale about different topics like: - Can a Parent be Responsible for their Kids bad driving habits; - What to do before calling your insurance company; - Giving a statement to your insurance company; - What happens if you're injured at the Hard Rock Casino (or other Native American property); and - Where can a personal injury lawsuit be filed?...


Episode 124 - Taxes Tampa and Tax Myths with Stephanie Heredia

I met Stephanie Heredia from an email she sent me describing the Entrepreneur Center Program on Campus at the University of Tampa (something she is involved with for her business). Immediately, Stephanie struck me as an entrepreneur on the rise. Her company is where she helps individuals and business owners with bookkeeping and tax preparation services. You can reach Stephanie at From its website: The John P. Lowth Entrepreneurship Center in...


Episode 123 - Protect Yourself from Multi-Million Dollar Verdict Injury Attorney Dale Appell

This week's guest on the Crushing Debt Podcast is going to take two episodes to fully cover all of the great content. However, if you want some behind-the-scenes topics we didn't cover on either show, please visit my YouTube Channel to see some bonus content. My guest is my friend, Dale Appell of the Dale Appell Law Group, and You can contact Dale by email at Dale is a 1989 graduate of Duke Law School, and a member of the...


Episode 122 - Crushing Debt Update & 1031 Exchanges

In this week's episode, I talk about an exciting new project from Crushing Debt (you'll have to listen, although I've dropped a few social media hints). However, I do make an offer for you (my listeners) to be involved in this new project by shooting me an email to To continue to provide additional content, I give you my take on 1031 Exchanges and how those can impact real estate closings. I am not a qualified intermediary, nor are we tax attorneys or CPA's, but I...


Episode 121 - Mortgage Originator Jeannine Smith, Fairway Independent Mortgage

Last week's episode was about reverse mortgages. This week's episode of the podcast features Jeannine Smith, loan officer with Fairway Independent Mortgage, and we discuss mortgages in general. Jeannine's email address is and her website is Jeannine has been in the mortgage industry for about 12 years, since 2006. Buying a house is easier than you might think. Jeannine and I dispel myths, like how much you may need in a downpayment,...


Episode 120 - Safely Using a Reverse Mortgage with Michael Banner

On this week's episode of The Crushing Debt Podcast, we talk with Reverse Mortgage expert Michael Banner, You can also email Michael at Michael and I discuss the myths and truths of a Reverse Mortgage. Michael is a frequent speaker on the use of home equity during retirement. If you have questions, or know someone who may need help with a reverse mortgage, contact us at or


Episode 119 - Jimmy Murray, Debt and Jokes

I have a very special guest on this week's episode. Jimmy Murray is a friend and fellow Podcaster, also part of the Florida Podcaster's association. If you have young kids, check out his podcast, The Kid Friendly Joke of the Day! Jimmy has done Stand-Up Comedy, Improv, Blogging and Podcasting, but for our show, his biggest accomplishment has been paying off over $80,000 of debt comprised of Medical Bills, Credit Cards, Student Loans, and a few Judgments. We talk to Jimmy about his...


Episode 118 - Garage Sale Lessons III

Twice a year my homeowner association hosts a community garage sale. Previously (episodes 68 and 86) I discussed lessons that I've learned selling my sh ... tuff at the community garage sale. This week's episode describes another lesson learned, this time at the Spring 2018 garage sale. If you have questions, please visit my website, or email me at


Episode 117 - Physical & Mental Coaching with Patty & Marleta

In this week's episode, I interview Patty Durell and Marleta Black. Patty owns Rock Solid Fitness since 2012 and has been a physical therapist since 1994. Each year, Rock Solid has achieved over 40% growth and now has 10 staff. Patty is on the show to discuss how your physical health impacts your ability to handle debt and stress. The growth of Patty's company can be attributed to her work with Marleta Black, who has 31 years of small business and leadership consulting, running teams of...


Episode 116 - Real Estate Investing with Rich on Money

Our last episode of May is an interview with Rich Carey of Rich is our third military interview in as many weeks, and is currently in the US Air Force, 2 years from retirement. On his website,, under the Real Estate Tab, you'll find his "Complete Guide to Real Estate Investing." Rich flipped houses in Washington D.C. to help build his income, he purchased rental properties for cash, he paid off $32,000 in student loans, and his $280,000 mortgage...


Episode 115 - Military Retirement with Forrest Baumhover

This week, we interview Financial Advisor Forrest Baumhover with Westchase Financial Planning. Our office is located in Westchase, just outside of Tampa, Florida. We met Forrest with a Keep It Local networking group. We both enjoy running, and helping people manage their money. In fact, both Forrest and I will be at FinCon, September 26 - 29, 2018, in Orlando, FL. Forrest retired from the Navy in April 2017, and now helps his clients understand and plan for retirement. You can contact...


Episode 114 - The Military Guide

In this week's episode, we interview Doug Nordman ("Nords") about his book The Military Guide, which you can find on his website, Nords joined the Submarine Force (Navy) right out of college and, upon retirement, found that there was a lack of information to show military members how to retire without having to go back to work. The Military Guide provides service-members, veterans and their families with a road map for becoming financially independent. For more...


Episode 113 -

In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of (with three "o's"). You'll hear the story of how got started in 2004, how the company created its vision and mission (and sticks to those ideals consistently). Chris and I talk about why he started a DIY Financial Planning Company and the challenges most of us face when dealing with "traditional" financial advisors. Chris even throws in a few tips on how he manages his debt,...


Episode 112 - First Party Litigation with Jim Jenkins

In this week's episode of the podcast, we interview our friend, Jim Jenkins, founder of Jenkins Law. Jim started Jenkins Law in 2013 following stints as a Pinellas County Assistant State Attorney (prosecuting people who violated criminal laws), and as an associate attorney at a large Clearwater firm handling personal injury matters. In fact, just about 3 years ago, Jim's wife, Kelly-Ann Jenkins joined the firm as a partner, and helped Jim grow a firm that now has multiple staff and 2...


Episode 111 - What Does the Seller Have to Disclose to the Buyer

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 or


Episode 110 - Break The Business

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: 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 or...


Episode 109 - The 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands

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: You can also connect with me at or...


Episode 108 - Form 1099-C, Cancellation of Debt

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...