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Episode 106 - Christie Arkovich discusses Robocalling

Christie is back for her fourth episode of The Crushing Debt Podcast. Bear with me this week, as I deal with some laryngitis. Christie and I have discussed student loans, but in this episode, we're going to talk about consumer law - the TCPA (Telephone Consumer Protection Act). The TCPA is designed to stop robocalling, and abuse or harassment of borrowers by creditors. Creditors can pay damages of between $500 and $1,500 PER CALL if they are told to stop making calls and cease to do...


Episode 105 - Mary Wheeler of Abundant Wealth Solutions

We have a great guest to kick off Year 3 of content here at The Crushing Debt Podcast. We met Mary Wheeler, of Abundant Wealth Solutions, at PodFest Multimedia Expo 2018 this past February in Orlando, FL. Mary is a financial coach who holds local workshops, speaking to high school and college students about the dangers of debt. Mary's mantra is "Know debt, no problem!" and that makes her a perfect guest for The Crushing Debt Podcast! What we found incredible was that Mary eliminated...


Episode 104 - Property Tax Portability

In this week's episode of podcast (the last of Year 2), we talk about Property Tax Portability. Applications to qualify your FL residence as your Homestead were due March 1, however what happens if you move from one primary residence to another? Florida has a "Save Our Homes Cap" that prevents the taxable value of the homestead property from increasing by more than 3% from year to year. Previously, when the homeowner moved, they lost that 3% cap. In response, the Legislature enacted...


Episode 103 - Bankruptcy Cases "Dead on Arrival"

In this week's episode, we talk about bankruptcy cases that are DOA or Dead on Arrival - meaning a bankruptcy case that is dismissed within 6 months of being filed. This week's episode is based on an article in the ABI Journal article written by Ed Flynn, a consultant with the ABI (American Bankruptcy Institute. You'll remember Mr. Flynn, who also wrote an article that was the basis for Ep 79, Chapter 13 Success Rates. Today's episode reviews different factors that may cause a case to be...


Episode 102 - Michael Holmes with Delta Credit Restoration

This week, we have a returning guest - Michael Holmes with Delta Credit Restoration. Michael was a guest on Episode 94. In this week's episode, we talk about Debt Negotiation, and the creditor's violation of debt collection laws. If you're being contacted by a debt collector, there are some things you can do to protect yourself. To contact Michael, visit his website or call him at 813-567-5855 Or, you can contact me at or


Episode 101 - Interview with Bankruptcy Attorney Carmen Dellutri

This week's episode is an interview with Attorney Carmen Dellutri, a Board Certified Bankruptcy Attorney. Carmen can be reached via his website. Or order his new book on Amazon: Are You The Next Success Story? Take Back Control of Your Finances Email Casey Byrus: and let her know you listened to this show, Carmen will mail you a book for free !! Carmen and I talk about creditor harassment and how you can use the bankruptcy laws and consumer protection laws...


100 - EPISODE 100!

I struggled with whether to make Episode 100 something different, or business as usual with another Crushing Debt Topic. I hope you enjoy this combination of the two ... I take a look back at the topics we've covered and the guests we've interviewed, to get a sense of where we've been, and where we are, so we can produce great content for you for the next 100 episodes. If this is the first episode you've listened to, Thank You ! If you've been a listener for the last 99 episodes, Thank...


Episode 99 - Christie Arkovich and Parent Plus Loans

In this episode of the podcast we talk, again, to Christie Arkovich about student loan debt relief. Did your parents co-sign for your student loan? Did your parents borrow money to pay for your education? Federal Parent Plus loans are exactly that, money that mom and/or dad borrow so their child can go to school. In most cases, the child has an agreement to pay back mom and dad, but this agreement has no impact on the Federal Student Loan and its repayment. So what happens if the child...


Episode 98 - B.O.U.N.C.E. back with Robin Lavitch

This week's guest is a returning guest from Episode 92 ("What's Your Relationship with Money?"). In this episode we discuss how to B.O.U.N.C.E. back from setbacks. BOUNCE stands for: Beliefs Optimism Understanding Yourself Nurturing Connections Compassion Efficacy (having a sense of the ability to achieve or esteem) In this episode we talk about how to change or overcome your beliefs. What are some of your beliefs in terms of money and overcoming set backs? You can contact Robin...


Episode 97 - Cost Segregation with Michael Watkins

In this week's episode, we interview Michael Watkins with Tampa Bay Advisory, LLC. Michael's company helps with tax incentive recovery - basically the ability to reduce a company's bottom line so that the company pays less taxes and makes more money. Most people know this as cost segregation, which is the ability to depreciate certain asset classes on an accelerated basis different than other asset classes. You can contact Michael at, call him at...


Episode 96 - Usury Laws

In this week's episode of the Crushing Debt Podcast, I get away from interviews for a bit and talk about Usury Laws. Usury Laws protect consumers from lenders who charge an excessive rate of interest. I had a usury issue come up in one of my cases and I thought it would be interesting to explore the issue in the podcast. The issue is whether unpaid late charges on a mortgage can be "captured" as interest to drive up the interest rate on a residential note and mortgage to a level over 18%...


Episode 95 - Entertainment Lawyer Gordon Firemark

Welcome to the first Crushing Debt Podcast of 2018! In Episode 95, I interview Gordon Firemark, an attorney for the past 25 years, who helps artists, writers and producers achieve their dreams. Gordon is also a podcaster. His show is The Entertainment Law Update Podcast. Gordon and I discuss Entertainment Law and Intellectual Property Law (copyrights and trademarks). Gordon also has The Law Podcasting Podcast - how to help attorneys create manage and promote their own podcast (I was a...


Episode 94 - Michael Holmes with Delta Credit Restoration

In this week's episode of the podcast (our last of 2017), I interview Michael Holmes with Delta Credit Restoration, which helps clients with debt settlement and credit restoration. Delta Credit Restoration is unique in that they will only seek to eliminate inaccurate information from your credit report, and they also try to educate borrowers to get better decisions around credit so that their clients don't continue to make the same mistakes that got them into the credit trouble to begin...


Episode 93 - Christie Arkovich & Public Service Loan Forgiveness Program

In this week's episode, we have a returning guest, attorney Christie Arkovich, discussing student loan forgiveness under the Public Service Loan Forgiveness Program. Christie and I talked in Episode 50 about different ways to eliminate or negotiate student loan debt. Today, we talk about the Public Service Loan Forgiveness Program - which is a 2007 program instituted by President Bush, that allowed student loan borrowers to pay based on what they could afford, and satisfy the debt after...


Episode 92 - Robin Lavitch with Surpass Your Goals

This week's guest on the Crushing Debt Podcast is Robin Lavitch with Surpass Your Goals. Robin is a professional coach for businesses, professionals and tweens. Robin and I discuss your relationship with money, and how your mindset determines how much money you have! Do you experience a situation where you always struggle with having enough money, or do you think "I'll always be okay" and money seems to appear when you need it most? This stems from your relationship with money. Robin...


Episode 91 - Nick Raithel and the REI 7-Hour Book

Nick Raithel is back as a guest on the Crushing Debt Podcast. Nick is back promoting the REI 7-Hour Book, a version of his 7-hour book system to help Real Estate Investors (REI) develop their own 7-hour book. Nick was previously on the show in Episode 64, and his system will help you: - Be viewed as an authority figure in the Real Estate Investor Space - Stand out from other investors (competitors) in your market - Create speaking opportunities, and other branding opportunities. To...


Episode 90 - Interview of Julie Shopa with Clarity Finances

Julie Shopa is a Profit First certified professional and, through her business, Clarity Finances helps her clients with bookkeeping and interpreting the financial health of her clients using the system created by Mike Michalowicz in his book Profit First. The Profit First system focuses on the formula "Sales - Profit = Expenses" rather than "Sales - Expenses = Profit." The system focuses on the adage "pay yourself first." You can contact Julie at, or call her at...


Episode 89 - Happy Thanksgiving!

This is the third Thanksgiving that The Crushing Debt Podcast has been in existence, but this is the first Thanksgiving where I have released an episode. I thought it would be a good idea to talk about what I'm thankful for in 2017. What are you thankful for in 2017? What great things have happened for you in 2017? Who do you want to mention in 2017? Please let us know all the great things that have happened to and for you in 2017. or


Episode 88 - Polly Bauer of Swipe! The Podcast

Polly Bauer is the go-to expert for all things credit. After 35 years as a global credit expert, including consulting with major credit card organizations and multi-billion dollar corporations, she believes that credit is the new money. It’s energy. Past President & CEO of Home Shopping Network Credit Corporation, two-time award winning Author of books about credit, International corporate speaker, and Host of Swipe! Podcast. Polly is passionate about helping consumers harness their...


Episode 87 - Interview with Tonya Lonsbury

In this week's episode, I interview Tonya Lonsbury, a realtor with Berkshire Hathaway Home Services. I first met Tonya a few years ago when she worked for a marketing company, but then she left Florida to pursue some other opportunities in Tennessee and Atlanta, GA. Now, Tonya is back! Tonya has a very strong background and understanding of the home buying and selling process as well as mortgage origination. Tonya's goal is to make sure that you live in a home that makes you happy, that...


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