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Episode 79 - Chapter 13 Success Rates

I found an interesting article about success rates in Chapter 13, reorganization cases that I summarize in this week's episode. For purposes of the article and podcast, "Success" means that the debtor completed all payments in his Chapter 13 bankruptcy. The results are interesting in determining: - Should you file individually or jointly with a spouse? - Should you file on your own or with an attorney? - What are the Success Rates on your second chapter 13 (after the first one was...

Duration: 00:12:11

Episode 78 - Interview with Paul Moore

In this week's episode, I interview Paul Moore with Wellings Capital, and author of The Perfect Investment. Paul and I discuss strategies to minimize tax liability. As a disclaimer, neither me or Paul are CPA's, Tax Attorneys, or otherwise, but we both have some knowledge and experience with the material. We discuss strategies like: - Investing in Real Estate - Hiring a Tax Strategist - Use Cost Segregation to Accelerate Depreciation - 1031 Exchanges - and more. You can contact...

Duration: 00:17:29

Episode 77 - The Scholarship System

In this week's episode of the podcast, I interview Jocelyn Paonita from The Scholarship System. This was one of my favorite interviews. Jocelyn was able to have her entire college education paid for by scholarships. The Scholarship System helps people find scholarships for students at all levels of education, wherever scholarships may be available. Student loan debt is a serious issue in our economy and Jocelyn's example and her systems can help reduce student loan debt before the...

Duration: 00:13:26

Episode 76 - Living a Spectacular Life

This week's episode was recorded during a Referrals for Life social at my house. I had 5 guests: Tom Fleming- (BNI Executive Director and Asentiv Trainer) Rob Kellog - (Fast Break Entertainment and Brewing Up Business) Tiffanie Kellog - (Asentiv Trainer, Fast Break Entertainment and Brewing Up Business) Jason Avery - (Avery Construction, Asentiv Trainer, Constructing Success, Inc., and a...

Duration: 00:13:52

Episode 75, Quit Claim Deeds and Quiet Title Lawsuits

In this week's episode of the podcast, we talk about whether a quit claim deed or a quiet title lawsuit can stop a foreclosure, from a listener of the podcast! Many people believe that transferring a home to a third party and then filing a quiet title lawsuit will defeat a foreclosure lawsuit. Unfortunately, under FL law, the answer is "no." How I get to that answer is in this week's episode. If you're facing foreclosure, please visit our website at, or email me at...

Duration: 00:09:24

Episode 74 - Bryan Levine, Association Enforcement

This week's episode is Part II of my interview with Bryan Levine of Knox Levine, PA. IN this week's episode, we talk about the different enforcement mechanisms available to Homeowner and Condominium Associations. When can they claim a lien? What are they entitled to collect? If you are on the Board of your association, and you live in Florida, please call our friend Bryan Levine to represent your association. or If Bryan is representing an...

Duration: 00:15:48

Episode 73 - Surplus Funds and Associations

In this week's episode, we discuss what happens to surplus funds when someone buys a house at a foreclosure auction. Surplus funds exist when the winning bidder paid more than the amount owed to the bank. This week's episode is a product of another listener question, and is an interesting take on a long-standing Florida Law regarding the association's ability to collect assessments against someone who bus the property at foreclosure auction. What if there are excess funds following the...

Duration: 00:08:58

Episode 72 - Association Questions with Bryan Levine

In this week's episode, we interview Bryan Levine. Bryan is a partner at Knox Levine, a firm that focuses on representing condominium and homeowner associations. Recently, Florida passed a law known as the "Estoppel Law," Senate Bill 398. This new law governs certain aspects of what an association can or cannot do when issuing an estoppel letters - those letters that associations issue to let the homeowners know what they owe, what assessments are due, and other financial aspects of the...

Duration: 00:14:53

Episode 71 - Listener Questions Answered

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...

Duration: 00:12:06

Episode 70 - Association and Bankruptcy Law

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...

Duration: 00:09:00

Episode 69 - Interview of Richard Ficca

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...

Duration: 00:15:48

Episode 68 - Negotiations & Garage Sales

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...

Duration: 00:09:58

Episode 67 - Interview with Tom Wolf

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...

Duration: 00:13:03

Episode 66 - Can I Rent My House if it is in Foreclosure?

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.

Duration: 00:10:03

Episode 65 - Tips on Consolidating Debt

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...

Duration: 00:10:42

Episode 64 - The Seven Hour Book with Nick Raithel

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...

Duration: 00:11:15

Episode 63 - Juliet Kyes of ActionCOACH Tampa Bay

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...

Duration: 00:13:02

Episode 62 - Eviction, Ejectment and Detainer Actions

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...

Duration: 00:08:20

Episode 60 - Interview with Andrew Gordon

In this week's episode of the Crushing Debt Podcast, we interview Andrew Gordon with Reliable Claims Adjusting. Andrew is a Public Adjuster - meaning he works for the insured (the homeowner) versus the insurance company. Andrew is the insured's advocate against the insurance company to maximize recovery when there is a loss that is covered by insurance. In this week's episode, we discuss some things people can do to protect themselves either before or after a loss has occurred. Andrew...

Duration: 00:13:44

Episode 60 - As-Is versus Repair Limit Contracts

I polled a group of about 100 FL Realtors on which residential real estate contract is better for Buyers or Sellers, the "As-Is" Contract or the Repair Limit contract. The answers are in this week's Crushing Debt Podcast! I regularly speak at BABA (Become A Better Agent) for Insured Title Company. The last time I spoke, we debated the pros and cons of the two versions of the Florida Real Estate Contract in use by most FL Realtors. The "As-Is" contract gives the buyer the right to cancel...

Duration: 00:11:14

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