WEBVTT
1
00:00:00.330 --> 00:00:05.710
You're listening to WGSN-DB, Going Solo Network, Singles Talk Radio Channel,
2
00:00:05.990 --> 00:00:09.169
where we take a lighthearted and candid approach to discussions
3
00:00:09.230 --> 00:00:13.490
on the journey of relationship loss, divorce, parenting, being single,
4
00:00:13.789 --> 00:00:18.570
relationships building, dating, and yes, sex. Join our listeners and
5
00:00:18.609 --> 00:00:20.640
begin living your best life.
6
00:00:25.160 --> 00:00:29.940
Good morning, good afternoon, good evening, good day. I think
7
00:00:29.960 --> 00:00:33.200
this is the first time we're back up in 2022.
8
00:00:33.200 --> 00:00:36.679
I apologize. I've been out of commission a little bit
9
00:00:36.759 --> 00:00:39.560
on this, dealing with some family stuff, dealing with some
10
00:00:39.579 --> 00:00:44.270
work-related things. But now I am back, and hopefully every
11
00:00:44.299 --> 00:00:49.829
other Thursday we'll be live again. So welcome, everybody. Although
12
00:00:49.890 --> 00:00:53.509
this is a show by an attorney, nothing herein is
13
00:00:53.570 --> 00:00:56.670
legal advice. Do not rely upon anything we say. You
14
00:00:56.710 --> 00:00:59.509
have not hired an attorney. There is no attorney-client privilege.
15
00:00:59.840 --> 00:01:04.099
And again, nothing herein shall be construed as legal advice.
16
00:01:05.000 --> 00:01:08.640
So I want to welcome a very close friend of
17
00:01:08.719 --> 00:01:14.750
mine and just a tremendous individual, Mitchell Ortega, who, believe
18
00:01:14.769 --> 00:01:17.090
it or not, I have had the honor of knowing
19
00:01:17.670 --> 00:01:23.329
Mitch probably 20 years. I actually, I'm going to tell
20
00:01:23.370 --> 00:01:26.530
this quick story. Mitch worked with me for a handful
21
00:01:26.549 --> 00:01:29.530
of years and actually worked took an entire section of
22
00:01:29.569 --> 00:01:32.510
the practice and went off and ran it and did
23
00:01:32.530 --> 00:01:35.870
a phenomenal job. But I remember Mitch came in as
24
00:01:35.969 --> 00:01:38.349
a summer intern when he was after his first year
25
00:01:38.390 --> 00:01:41.010
of law school. And he's sitting there working. And my
26
00:01:41.090 --> 00:01:43.590
wife walked into the office and he put his head up,
27
00:01:43.849 --> 00:01:46.250
not missing a beat. Good morning, Mrs.
28
00:01:46.310 --> 00:01:46.590
Weiss.
29
00:01:47.030 --> 00:01:49.739
Kept on working. And then he kind of like dawned
30
00:01:49.799 --> 00:01:54.799
on him. Holy cow, Mrs. Weiss. Well, my wife was
31
00:01:54.900 --> 00:02:00.879
his middle school teacher. and amazing. And Mitch and I
32
00:02:01.000 --> 00:02:07.519
have been colleagues, friends, and we've been through major crap
33
00:02:07.560 --> 00:02:11.379
together is all I'm going to say. And he's just
34
00:02:11.439 --> 00:02:13.909
a phenomenal man. And look, I mean, I had another
35
00:02:13.969 --> 00:02:17.449
guest scheduled for today and we're not going to drag
36
00:02:17.490 --> 00:02:21.500
him through the mud too much, Corey. But but I
37
00:02:21.520 --> 00:02:23.419
called Mitch up and said, Hey, I got, I got
38
00:02:23.460 --> 00:02:25.300
the show. And he's like, dude, I'm in whatever I
39
00:02:25.340 --> 00:02:28.159
can do. So, so that that's my intro to Mitch.
40
00:02:28.280 --> 00:02:31.300
Mitch is the guy who will drop everything and get
41
00:02:31.340 --> 00:02:35.099
it done. Mitch is an attorney and I'll let, I'll
42
00:02:35.120 --> 00:02:37.849
let him speak about himself a little bit, but he
43
00:02:37.930 --> 00:02:41.409
is right now focusing on something that I think that
44
00:02:41.530 --> 00:02:43.490
it's going to be booming again. And it has to
45
00:02:43.550 --> 00:02:46.620
do with collections and credit card debt because of, because
46
00:02:46.659 --> 00:02:50.370
of COVID and because of everything and missing jobs and
47
00:02:50.659 --> 00:02:54.030
overextending and, you know, needing things for kids and school
48
00:02:54.050 --> 00:02:56.949
supplies and all this, people started using credit cards again.
49
00:02:56.969 --> 00:03:00.509
And now the credit card companies are raising interest rates
50
00:03:00.590 --> 00:03:03.870
and the Fed raised interest rates. And, you know, people
51
00:03:03.930 --> 00:03:06.270
are getting stuck with, you know, interest that they can't
52
00:03:06.310 --> 00:03:09.490
afford and doing all this. And, you know, Mitch is
53
00:03:09.590 --> 00:03:14.689
helping those individuals, you know, get some relief. So without
54
00:03:14.750 --> 00:03:17.310
further ado and relief to all you having to listen
55
00:03:17.330 --> 00:03:21.490
to me, Mitchell Ortega, based out of St. Augustine, Florida,
56
00:03:22.110 --> 00:03:26.430
but it has a national presence. So Mitch, give us
57
00:03:26.469 --> 00:03:28.729
a minute or two about yourself and I'll interrupt you
58
00:03:28.810 --> 00:03:29.710
and keep plugging you.
59
00:03:30.770 --> 00:03:33.569
Yeah, Jay, thank you so much for that intro. I'll
60
00:03:33.620 --> 00:03:35.599
just say that Corey's loss is my gain. It's always
61
00:03:35.639 --> 00:03:38.580
a pleasure to sit down and talk with Mr. Jason Weiss.
62
00:03:39.479 --> 00:03:42.139
But yes, thank you so much. As of right now,
63
00:03:42.240 --> 00:03:44.979
that is still my bread and butter practice area, collections
64
00:03:45.000 --> 00:03:47.120
defense work. And you made a very good point. In
65
00:03:47.139 --> 00:03:50.860
today's world, with the economic circumstances coming out of the pandemic,
66
00:03:50.879 --> 00:03:52.719
a lot of people had to miss work or at
67
00:03:52.819 --> 00:03:56.129
minimum reduce their hours. And a lot of people prior
68
00:03:56.150 --> 00:03:59.229
to that were already living paycheck to paycheck. So, I mean,
69
00:03:59.289 --> 00:04:02.469
that just really compounded a lot of problems. So I
70
00:04:02.509 --> 00:04:05.210
work at a law firm called Gardie Litigation Group. It's
71
00:04:05.250 --> 00:04:07.449
based out of California, but like Jason says, we have
72
00:04:07.490 --> 00:04:10.129
a national presence there. And what we do is we
73
00:04:10.189 --> 00:04:15.240
specialize in assisting individuals who are being sued in collections
74
00:04:15.520 --> 00:04:19.279
lawsuits to defend them, to assert any defenses they may
75
00:04:19.319 --> 00:04:21.459
have available to them, and if they wish also to
76
00:04:21.600 --> 00:04:25.120
try to resolve these lawsuits on terms that the individual
77
00:04:25.180 --> 00:04:27.939
clients can afford. The thing is, a lot of people
78
00:04:27.980 --> 00:04:30.500
feel guilty when they're getting served with a lawsuit for
79
00:04:30.519 --> 00:04:34.240
the unpaid debt. They feel They want to blame themselves.
80
00:04:34.259 --> 00:04:36.100
They feel like they could have done things differently. And,
81
00:04:36.120 --> 00:04:40.740
you know, sometimes people get very lonely and they don't
82
00:04:40.759 --> 00:04:42.800
feel like they can talk to anybody. And just at
83
00:04:42.839 --> 00:04:45.199
minimum to sit down and have a consultation with us
84
00:04:45.240 --> 00:04:48.699
to just vent, talk about why you feel this way,
85
00:04:48.819 --> 00:04:52.170
what's going on. We're happy to listen to you at minimum.
86
00:04:52.290 --> 00:04:54.430
And then at that point in time, we can also analyze,
87
00:04:54.490 --> 00:04:57.149
do you have any defenses to this claim? Was it
88
00:04:57.209 --> 00:05:00.170
outside the statute of limitations, for instance? Is it a
89
00:05:00.269 --> 00:05:02.730
debt that was already paid? A lot of times when
90
00:05:02.750 --> 00:05:05.980
you're dealing with an emotionally charged situation, like going through
91
00:05:06.459 --> 00:05:09.759
being served with a lawsuit, you might not be able
92
00:05:09.800 --> 00:05:12.259
to even with a fine tooth comb, go through those
93
00:05:12.319 --> 00:05:15.839
documents and see, do I have any defenses? Is this correct?
94
00:05:16.019 --> 00:05:18.899
Are they suing for the right amount of money? So
95
00:05:19.000 --> 00:05:21.819
having an attorney that's trained in this area of the
96
00:05:21.860 --> 00:05:25.550
law is invaluable. When you're going through a situation like this,
97
00:05:25.750 --> 00:05:28.230
we can go to court for you. We deal with
98
00:05:28.250 --> 00:05:30.680
the judge. We deal with the other attorneys. A lot
99
00:05:30.689 --> 00:05:33.040
of people, in my experience, never been to court before.
100
00:05:33.079 --> 00:05:35.160
They're dealing with these things for the first time. Some
101
00:05:35.180 --> 00:05:37.279
people think you can go to jail for an unpaid debt.
102
00:05:37.319 --> 00:05:39.199
That's absolutely not true as well.
103
00:05:39.680 --> 00:05:44.439
So just when I get those phone calls for, you know, hey,
104
00:05:44.519 --> 00:05:47.550
you're delinquent on this. And, you know, if you don't
105
00:05:47.629 --> 00:05:50.769
pay the debt or your client doesn't pay the debt,
106
00:05:51.040 --> 00:05:52.720
You know, we can come arrest them and haul them
107
00:05:52.779 --> 00:05:54.600
off for jail. Wait, that's not legit?
108
00:05:55.420 --> 00:05:58.920
Not only is that not legit, but as you know, Jason,
109
00:05:59.019 --> 00:06:03.300
that is actually actionable under the FDCPA. And so on
110
00:06:03.319 --> 00:06:08.850
the flip side of just offending individuals from collections, lawsuits
111
00:06:08.910 --> 00:06:12.670
and collectors that are coming for legitimate debts, We also
112
00:06:12.709 --> 00:06:14.930
have another side to our practice where we can actually
113
00:06:14.949 --> 00:06:19.389
make the debt collectors pay if they're improperly attempting to
114
00:06:19.439 --> 00:06:22.720
collect the debt in violation of federal law. There are
115
00:06:22.740 --> 00:06:24.579
a lot of people don't know this, but there are laws,
116
00:06:24.699 --> 00:06:28.310
federal laws in place that prevent debt collectors from taking
117
00:06:28.410 --> 00:06:31.019
certain actions to collect the debt. In fact, they were
118
00:06:31.060 --> 00:06:34.410
just amended recently, as Jason and I talked about this
119
00:06:34.430 --> 00:06:38.230
a couple of months ago, that there are new protections
120
00:06:38.290 --> 00:06:39.689
in place and new rules that have been put in
121
00:06:39.730 --> 00:06:43.370
place by the Consumer Financial Protection Bureau that limit, again,
122
00:06:43.509 --> 00:06:45.769
what debt collectors can and cannot do. So it's a
123
00:06:45.810 --> 00:06:49.160
constantly changing area of the law, which is also why
124
00:06:49.220 --> 00:06:51.839
it pays to have an attorney that's knowledgeable in this
125
00:06:51.939 --> 00:06:56.000
area and can analyze your situation individually and, if necessary,
126
00:06:56.040 --> 00:06:59.819
give you white glove service to resolve any situation amicably.
127
00:07:00.360 --> 00:07:04.180
Now, Mitch, is there a charge for a consult if
128
00:07:04.220 --> 00:07:07.579
somebody is being threatened with a lawsuit or has actually
129
00:07:07.620 --> 00:07:10.550
been served with a lawsuit and they want to give
130
00:07:10.610 --> 00:07:13.310
you a call? Is there a charge for that consult?
131
00:07:13.689 --> 00:07:16.990
No, no. We do free consultations at Guardian Litigation Group.
132
00:07:17.029 --> 00:07:21.310
So I have some contact information. I definitely share it
133
00:07:21.350 --> 00:07:23.889
with you during the end of the show as well
134
00:07:23.949 --> 00:07:26.959
about a number you can call for free consultations. as
135
00:07:27.000 --> 00:07:30.160
well as our main office number and contact information. So
136
00:07:30.180 --> 00:07:31.839
if anybody can reach out to me, I can get
137
00:07:31.879 --> 00:07:34.120
you in the right direction as well. But no, and
138
00:07:34.839 --> 00:07:35.639
we're happy to do that.
139
00:07:35.750 --> 00:07:39.129
And there's the information right down there. Exactly.
140
00:07:39.209 --> 00:07:42.850
So please call this number if you have any questions
141
00:07:42.910 --> 00:07:44.750
about a potential issue that you're dealing with in a
142
00:07:44.750 --> 00:07:47.560
collections lawsuit. Feel free to share this with any family
143
00:07:47.600 --> 00:07:50.000
or friends that are going through the same situation. We're
144
00:07:50.040 --> 00:07:50.720
happy to help out.
145
00:07:51.129 --> 00:07:56.790
So Mitch, either quash an urban legend or confirm an
146
00:07:56.850 --> 00:07:59.769
urban legend. And by the way, the number that you
147
00:07:59.790 --> 00:08:02.329
can call for reaching Mitch is 800-316-3133. And his website
148
00:08:02.350 --> 00:08:02.889
is GuardianLit.com.
149
00:08:03.069 --> 00:08:04.129
www.GuardianLit.com.
150
00:08:04.250 --> 00:08:19.240
So... you get sued because you get behind on your
151
00:08:19.259 --> 00:08:21.620
credit card and oh my God, the world is over.
152
00:08:21.699 --> 00:08:24.220
The sky is falling. I'm going to have to file bankruptcy.
153
00:08:24.860 --> 00:08:25.519
True or false?
154
00:08:26.379 --> 00:08:30.759
That is false. That is false. So bankruptcy is definitely
155
00:08:31.120 --> 00:08:35.279
one of those options that you can consider. And sometimes
156
00:08:36.120 --> 00:08:38.659
it's the right move to make. Trust me, I have
157
00:08:38.700 --> 00:08:41.179
no trouble telling a client honestly based off of the
158
00:08:41.210 --> 00:08:44.029
amount of debt you have any potential protections you would
159
00:08:44.070 --> 00:08:47.100
have to that debt, your overall life situation, where you are,
160
00:08:47.149 --> 00:08:50.600
your age, your occupation status, your familial status, all of
161
00:08:50.629 --> 00:08:54.159
those factors considered. If bankruptcy is the right move for
162
00:08:54.200 --> 00:08:56.200
you to make, that's the right move to make. But
163
00:08:56.240 --> 00:08:58.320
that is not the only thing that you can do
164
00:08:58.899 --> 00:09:02.120
in order to deal with debt. There are two other options,
165
00:09:02.879 --> 00:09:05.080
the three major ones, bankruptcy being one, but there's two
166
00:09:05.139 --> 00:09:09.159
other options that individuals can consider in that situation. One
167
00:09:09.179 --> 00:09:12.350
of them is debt consolidations. That is where you apply
168
00:09:12.500 --> 00:09:15.129
for a big loan to pay off all of these
169
00:09:15.210 --> 00:09:18.710
small individual debts. You consolidate the debt into one debt
170
00:09:18.750 --> 00:09:21.950
consolidation loan, usually at an interest rate that can even
171
00:09:22.009 --> 00:09:25.059
be better and more effective for you than these asinine
172
00:09:25.159 --> 00:09:26.980
interest rates that credit cards are going to charge you.
173
00:09:27.460 --> 00:09:29.340
So that's one route you can go. And then you
174
00:09:29.360 --> 00:09:33.059
also have debt settlements. which is a program in which
175
00:09:33.220 --> 00:09:36.279
you enter into a program and commit to paying a
176
00:09:36.399 --> 00:09:40.019
monthly amount every single month, which goes into a savings
177
00:09:40.139 --> 00:09:43.259
escrow account for you. And over time, that money starts
178
00:09:43.330 --> 00:09:45.039
to grow to the point where you have enough money
179
00:09:45.090 --> 00:09:47.710
now to go to your individual creditors and say, hey,
180
00:09:48.110 --> 00:09:51.789
Bank of America, hey, Discover Bank, you have this debt
181
00:09:52.289 --> 00:09:56.029
for $ 5, 000. Will you take $ 2, 500 right now, take it
182
00:09:56.070 --> 00:09:57.970
or leave it to resolve this debt? And a lot
183
00:09:57.990 --> 00:10:00.809
of times, these creditors are willing to work and resolve
184
00:10:00.830 --> 00:10:03.450
these debts for cents on the dollar. But again, it
185
00:10:03.490 --> 00:10:07.240
also pays to know, you know, what creditors settle at
186
00:10:07.360 --> 00:10:11.120
what interest rates, what creditors are more litigious than other creditors.
187
00:10:11.179 --> 00:10:13.360
Is this creditor going to drag you to court? You know,
188
00:10:13.399 --> 00:10:15.159
what are the actions that they usually take? What is
189
00:10:15.200 --> 00:10:17.720
their game plan? What is their MO? So having an
190
00:10:17.799 --> 00:10:22.649
experienced debt settlement company is another thing I'd recommend to
191
00:10:23.080 --> 00:10:25.279
make sure that you're not being led down the wrong
192
00:10:25.299 --> 00:10:27.779
path because there's a lot of companies that do that work.
193
00:10:28.159 --> 00:10:30.600
But you can do research, like the Better Business Bureau
194
00:10:30.659 --> 00:10:32.340
is a good resource to go and make sure that
195
00:10:32.360 --> 00:10:36.389
you're hiring a reputable company in order to do debt
196
00:10:36.409 --> 00:10:39.809
settlement work. And just do your due diligence beforehand before
197
00:10:39.830 --> 00:10:41.490
you enter into a program like that. That would be
198
00:10:41.509 --> 00:10:43.429
the best advice I would give you. But to come
199
00:10:43.470 --> 00:10:46.169
full circle, yes, bankruptcy is not the only option that
200
00:10:46.190 --> 00:10:47.879
you have when you're dealing with that kind of debt.
201
00:10:48.820 --> 00:10:51.389
And this might be the toughest question I ask all day.
202
00:10:51.700 --> 00:10:55.279
What happens with some people are, you know, oh my God,
203
00:10:55.330 --> 00:10:57.789
if I file bankruptcy or if I do the debt consolidation,
204
00:10:57.850 --> 00:11:01.110
my credit score is going to take a hit. You know,
205
00:11:01.129 --> 00:11:03.590
chances are, if you're at that point, your credit score
206
00:11:03.629 --> 00:11:09.110
is probably on the lower side anyway. But, you know,
207
00:11:09.490 --> 00:11:12.730
is there any tie to the filing of the bankruptcy
208
00:11:12.830 --> 00:11:16.759
or working with an attorney like yourself to you know,
209
00:11:16.820 --> 00:11:18.759
the impact on credit scores?
210
00:11:20.080 --> 00:11:24.590
So credit is definitely a complicated subject in its own right.
211
00:11:24.610 --> 00:11:26.370
You're absolutely right in that that could be a difficult
212
00:11:26.409 --> 00:11:30.059
question to plausibly answer. And it's it's hard because there's
213
00:11:30.080 --> 00:11:32.519
a lot of factors that go into taking, taking a
214
00:11:32.559 --> 00:11:35.220
credit score snapshot of what would happen if I do
215
00:11:35.259 --> 00:11:37.679
this versus what would happen if I do that. Some
216
00:11:37.720 --> 00:11:40.259
people like myself and, and, you know, Jason, I don't,
217
00:11:40.399 --> 00:11:42.049
I mean, you also went to graduate school. You went
218
00:11:42.070 --> 00:11:44.870
to law school as well. School, school's not cheap. A
219
00:11:44.929 --> 00:11:48.210
lot of us have student loans and, you know, that,
220
00:11:48.289 --> 00:11:49.830
especially if you go to a graduate program that could
221
00:11:49.850 --> 00:11:53.019
be rather expensive, that, It's on your credit report that
222
00:11:53.039 --> 00:11:55.559
can adversely affect your credit report. If you have any
223
00:11:55.600 --> 00:11:57.820
sort of medical debt that can be on there as well.
224
00:11:58.100 --> 00:12:00.330
So it's really hard for me to say if you
225
00:12:00.370 --> 00:12:03.070
file bankruptcy, it's going to take X amount of years
226
00:12:03.129 --> 00:12:05.269
before it rebounds or you can expect it to get
227
00:12:05.309 --> 00:12:07.529
to a certain threshold at a certain period of time
228
00:12:08.149 --> 00:12:11.370
because there's so many other factors involved in that. And
229
00:12:11.409 --> 00:12:15.129
these the major credit bureaus, they look at rebounds. Many
230
00:12:15.210 --> 00:12:18.850
different facets of your reliability as a consumer and your
231
00:12:18.870 --> 00:12:22.139
inability to pay debts to really have a general rule
232
00:12:22.159 --> 00:12:25.659
of thumb. But I will say that the general understanding
233
00:12:25.720 --> 00:12:29.120
from a layman is that bankruptcy is a red stain
234
00:12:29.220 --> 00:12:30.940
on your credit and it'll be there for the rest
235
00:12:30.980 --> 00:12:33.230
of your life. And that is simply not true. There
236
00:12:33.330 --> 00:12:36.070
is a certain time period that bankruptcy will stay on
237
00:12:36.090 --> 00:12:39.620
your credit report, but over time it will elapse. And
238
00:12:40.120 --> 00:12:42.700
I have heard, and this is just anecdotally, but I
239
00:12:42.740 --> 00:12:44.629
have heard that a lot of consumers that have gone
240
00:12:44.649 --> 00:12:48.309
through the bankruptcy process A couple months after the discharge
241
00:12:48.649 --> 00:12:51.889
are already getting offers for credit cards in the mail because,
242
00:12:51.909 --> 00:12:55.629
you know, honestly, creditors these days understand that bankruptcies do happen.
243
00:12:56.009 --> 00:12:58.809
But that doesn't mean that you're completely undesirable from the
244
00:12:58.850 --> 00:13:01.990
lending standpoint. They're still willing to work with you. And
245
00:13:02.009 --> 00:13:03.980
there are different strategies you can take if you want
246
00:13:04.000 --> 00:13:06.679
to build your credit without bankruptcy as just in general
247
00:13:06.720 --> 00:13:09.440
for credit building. But the question being, you know, will
248
00:13:09.480 --> 00:13:12.620
bankruptcy stain your credit permanently? Absolutely not. It will not
249
00:13:12.659 --> 00:13:14.220
be a permanent issue on your credit.
250
00:13:15.100 --> 00:13:15.279
Yep.
251
00:13:15.379 --> 00:13:17.879
And what about if you, you know, you work with
252
00:13:17.919 --> 00:13:21.399
an attorney like yourself and you decide that bankruptcy isn't
253
00:13:21.419 --> 00:13:23.179
the right path and you're going to go ahead and
254
00:13:23.200 --> 00:13:26.480
try to work out a settlement on some outstanding debts?
255
00:13:26.899 --> 00:13:31.049
You know, I'm guessing that that again, your credit probably
256
00:13:31.070 --> 00:13:33.289
already took a hit because you're late on your payments
257
00:13:33.330 --> 00:13:35.590
and there's nothing that you could do. But, you know,
258
00:13:35.669 --> 00:13:39.450
when you resolve these outstanding issues, that's when you have
259
00:13:39.470 --> 00:13:45.220
the opportunity to start fixing, rebuilding, or increasing your credit
260
00:13:45.250 --> 00:13:46.940
score would be my guess, correct?
261
00:13:47.259 --> 00:13:50.899
That is correct. From the debt settlement standpoint, especially, because
262
00:13:51.379 --> 00:13:54.460
for individuals that end up going that route, you need
263
00:13:54.480 --> 00:13:57.320
to understand that building your credit back up is a very,
264
00:13:57.360 --> 00:13:59.899
very long road. And there are different parts of that
265
00:14:00.080 --> 00:14:02.929
trip down the road that need to be taken care of.
266
00:14:03.370 --> 00:14:06.110
Debt settlement is like the very start of that. You
267
00:14:06.149 --> 00:14:09.230
have all of these debts. They're reported adversely on your credit.
268
00:14:10.059 --> 00:14:12.919
Even if those weren't there, your credit may be not
269
00:14:13.080 --> 00:14:15.230
as stellar as you would like it to be. And
270
00:14:15.309 --> 00:14:17.909
so strategically, there are different things you would do at
271
00:14:17.970 --> 00:14:22.149
different points down that road to maximize your ability to
272
00:14:22.190 --> 00:14:24.799
get a better credit score. Now, debt settlement is a
273
00:14:24.840 --> 00:14:27.950
way to individually resolve these debts individually. just to get
274
00:14:28.000 --> 00:14:30.950
them wiped out and have them reported as paid on
275
00:14:30.970 --> 00:14:33.509
your credit report, which will definitely give you a nice boost.
276
00:14:34.090 --> 00:14:36.500
After that debt is taken care of, then you can
277
00:14:36.529 --> 00:14:39.399
employ different strategies that you can use in order to
278
00:14:39.440 --> 00:14:42.320
build your credit up and maximize that as much as
279
00:14:42.340 --> 00:14:45.690
you possibly can. So, yeah, it's definitely one step in
280
00:14:45.710 --> 00:14:48.490
the process. You know, credit is there. Again, there's a
281
00:14:48.509 --> 00:14:50.629
lot of companies that deal with just building your credit.
282
00:14:50.970 --> 00:14:54.529
But what I do, I usually work with individuals that
283
00:14:54.549 --> 00:14:57.230
are right at the beginning of that road, right? Starting
284
00:14:57.269 --> 00:14:59.309
at the starting line as far as how do they
285
00:14:59.450 --> 00:15:01.990
repair their credit, build their credit back up. And it's
286
00:15:02.029 --> 00:15:04.529
not a very pretty process, but it definitely is a
287
00:15:04.649 --> 00:15:07.049
boost and a good start on that long road to
288
00:15:07.250 --> 00:15:08.220
building your credit back up.
289
00:15:08.860 --> 00:15:12.860
Now, Mitch, you said that you're based out of St. Augustine, Florida. Yes,
290
00:15:12.879 --> 00:15:15.649
I am. you're licensed here in the state of Florida.
291
00:15:15.889 --> 00:15:16.629
Yes.
292
00:15:17.090 --> 00:15:20.409
But you work with clients that are in other states.
293
00:15:20.470 --> 00:15:21.889
Is that correct? Yes.
294
00:15:22.090 --> 00:15:24.649
So my law firm, a number of attorneys that are
295
00:15:24.690 --> 00:15:28.870
licensed across the country in different jurisdictions. I'm very lucky
296
00:15:28.909 --> 00:15:31.769
to be the director of litigation at this law firm.
297
00:15:31.809 --> 00:15:34.509
So I actually get to work with my associate attorneys
298
00:15:34.710 --> 00:15:38.000
and help guide them and give them advice on how
299
00:15:38.039 --> 00:15:41.120
to deal with the state-specific issues that they encounter doing
300
00:15:41.159 --> 00:15:44.409
work in their individual states. So it is fascinating to
301
00:15:44.470 --> 00:15:48.070
see how different these lawsuits can be, different laws themselves
302
00:15:48.110 --> 00:15:51.490
can be, what exemptions apply from state to state, because
303
00:15:51.529 --> 00:15:54.169
it does vary immensely. There are certain states that are
304
00:15:54.240 --> 00:15:56.559
very different from Florida, Jason, as you know, with all
305
00:15:56.600 --> 00:15:59.840
of the litigation you've done and federal courts you're licensed
306
00:15:59.860 --> 00:16:03.720
in across the country. So it's fascinating and it keeps
307
00:16:03.740 --> 00:16:06.240
you on your toes because you're going to see something
308
00:16:06.279 --> 00:16:08.379
different every single day if you're in Kansas, if you're
309
00:16:08.399 --> 00:16:10.519
in Texas, if you're in Tennessee, if you're in New Jersey,
310
00:16:10.539 --> 00:16:12.399
if you're in California. And we work in all of
311
00:16:12.440 --> 00:16:15.820
those states. So it's really, really interesting. But yes, we
312
00:16:15.840 --> 00:16:18.870
do have a national presence. So there's a good chance
313
00:16:18.899 --> 00:16:20.549
that if you're having an issue and you're watching this
314
00:16:20.590 --> 00:16:22.370
in another state or you have someone in another state
315
00:16:22.429 --> 00:16:25.690
other than Florida, that having or having an issue with collections,
316
00:16:26.029 --> 00:16:27.830
you know, if we can't help you, we could definitely
317
00:16:27.850 --> 00:16:30.129
at least point you in the right direction. So very,
318
00:16:30.169 --> 00:16:30.990
very happy to help out.
319
00:16:31.570 --> 00:16:36.350
Now, were you a national law firm before COVID pandemic
320
00:16:36.590 --> 00:16:40.009
or is is was that something that was just, you know,
321
00:16:40.029 --> 00:16:42.690
a knee jerk reaction to the pandemic?
322
00:16:43.710 --> 00:16:47.289
So this actually we existed before the pandemic. Guardian litigation
323
00:16:47.309 --> 00:16:51.529
group The presence over time has grown. And because we
324
00:16:51.580 --> 00:16:55.419
have a number of attorneys, in fact, 95% of our
325
00:16:55.460 --> 00:16:59.179
attorney team, in-house attorney team, works remotely across the country,
326
00:16:59.220 --> 00:17:02.080
scattered in different states. And the main office is back
327
00:17:02.120 --> 00:17:05.809
in California. But we have grown the law firm. We've
328
00:17:05.829 --> 00:17:09.549
been scaling the firm up. And the need of our
329
00:17:09.630 --> 00:17:14.170
services was definitely increased by the COVID pandemic because of
330
00:17:14.210 --> 00:17:16.019
what we talked about right at the beginning of the show.
331
00:17:16.440 --> 00:17:18.930
which is that unfortunately, a lot of people suffered economically
332
00:17:18.970 --> 00:17:21.690
during that time period. And it's really changed the legal
333
00:17:21.730 --> 00:17:25.210
landscape and the practice areas that are offered. So we
334
00:17:25.230 --> 00:17:27.849
put ourselves in a good position and we've been scaling
335
00:17:27.910 --> 00:17:30.809
the firm up appropriately since then to keep up with
336
00:17:30.829 --> 00:17:34.009
the demand of all of the adverse economic effects that
337
00:17:34.029 --> 00:17:35.309
took place because of the pandemic.
338
00:17:35.990 --> 00:17:37.609
What other areas do you guys do?
339
00:17:38.160 --> 00:17:41.009
So we also do, I mentioned previously, in addition to
340
00:17:41.049 --> 00:17:44.470
collections defense, we also do analysis for claims under the
341
00:17:44.569 --> 00:17:48.470
Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
342
00:17:49.069 --> 00:17:51.569
But we also do some employment law and some estate
343
00:17:51.609 --> 00:17:55.480
planning as well. And we are exploring possibilities of maybe
344
00:17:55.519 --> 00:17:57.680
getting into some different practice areas right now. But because
345
00:17:57.700 --> 00:18:01.220
we've built a very strong infrastructure and network of attorneys
346
00:18:01.779 --> 00:18:04.640
in a national presence, the sky is the limit as
347
00:18:04.680 --> 00:18:07.359
far as where this firm can go. It's a great
348
00:18:07.440 --> 00:18:10.700
firm to work for. It's a young firm. It's being
349
00:18:10.759 --> 00:18:14.240
developed very well. We have great leadership at the top.
350
00:18:14.839 --> 00:18:17.400
It's very exciting because remote law firms in and of
351
00:18:17.440 --> 00:18:20.039
themselves are a very new trend, as you know, Jay.
352
00:18:20.079 --> 00:18:23.599
And it's really interesting to see how commonplace it is
353
00:18:23.640 --> 00:18:26.599
now because law partners from 20, 30 years ago would
354
00:18:26.640 --> 00:18:29.759
probably be spinning if they thought that, you know, 20,
355
00:18:29.759 --> 00:18:33.079
30 years later, not only would we be working from home,
356
00:18:33.119 --> 00:18:36.319
we'd also be appearing in court from our home. And,
357
00:18:36.420 --> 00:18:39.160
you know, with technology these days, you know, Jason and
358
00:18:39.259 --> 00:18:41.680
I can go to court from our own bedrooms if
359
00:18:41.720 --> 00:18:44.329
we wanted to, because of the technology we have in place.
360
00:18:44.410 --> 00:18:46.089
And God knows we probably have done that a couple
361
00:18:46.130 --> 00:18:46.450
of times.
362
00:18:47.390 --> 00:18:49.849
Never from my bedroom.
363
00:18:49.869 --> 00:18:50.730
Never from the bedroom.
364
00:18:50.990 --> 00:18:55.349
I mean, yesterday I was in two different jurisdictions in
365
00:18:55.390 --> 00:18:58.539
two different states on the same day. Three, actually. Who
366
00:18:58.559 --> 00:19:01.000
would have thought, you know, that that's the way that
367
00:19:01.079 --> 00:19:03.779
we were going. And, you know, look, I was you
368
00:19:03.819 --> 00:19:05.980
knew this. I was in the office six days a
369
00:19:06.019 --> 00:19:09.329
week and the seventh day I work off my kitchen table.
370
00:19:09.670 --> 00:19:11.490
You know, now I go in one day a week
371
00:19:11.509 --> 00:19:13.990
because I want to check my mail. Right. Well, Mitch,
372
00:19:14.309 --> 00:19:18.170
I believe you're fully remote, you know, unless you you know,
373
00:19:18.190 --> 00:19:21.009
you might have an office still. But, you know, it's
374
00:19:21.750 --> 00:19:25.549
it's this is this is the new way of doing it. And,
375
00:19:25.609 --> 00:19:29.490
you know, we still try to have. face-to-face meetings with clients.
376
00:19:29.569 --> 00:19:32.839
We still try to accommodate the needs of others. But
377
00:19:33.180 --> 00:19:38.519
these days between text, email, Zoom, Google Meets, whatever platform
378
00:19:38.539 --> 00:19:43.119
you use, you could do anything from anywhere. And that
379
00:19:43.200 --> 00:19:47.150
seems to be it. So it's good and bad. And
380
00:19:47.329 --> 00:19:49.630
we'll talk about the good and bad when we come
381
00:19:49.670 --> 00:19:51.809
back from a commercial break. We're going to jump for
382
00:19:51.829 --> 00:19:55.089
a commercial break to hear some of our wonderful sponsors.
383
00:19:55.450 --> 00:19:57.299
And when we're back, we'll talk about the good, the bad,
384
00:19:57.339 --> 00:20:01.740
the ugly on Zoom. And I will plug my own
385
00:20:02.319 --> 00:20:05.460
coffee where I will be giving away free coffee where
386
00:20:05.539 --> 00:20:09.220
all you need to do is email me. So Stay tuned,
387
00:20:09.819 --> 00:20:11.440
and let's hear our wonderful commercial.
388
00:20:12.279 --> 00:20:17.789
Welcome to GoingSoloTravelers.com. Going Solo Travelers is about connecting, making
389
00:20:17.849 --> 00:20:22.609
new friends, exploring, and enjoying new fun times together. Laughter
390
00:20:22.650 --> 00:20:25.710
and the excitement of seeing and exploring something new creates
391
00:20:25.769 --> 00:20:30.130
memories that will last forever. Come join us on GoingSoloTravelers.com.
392
00:20:31.369 --> 00:20:33.970
Hello, I'm Cece Schatz, and I'd like to welcome you
393
00:20:34.009 --> 00:20:38.769
to Going Solo Network. Number one, complete singles connection. We
394
00:20:38.829 --> 00:20:42.450
strive to connect singles in a positive and fun way. Together,
395
00:20:42.529 --> 00:20:46.410
singles will begin to make new and lasting friendships, learn
396
00:20:46.450 --> 00:20:50.029
more about themselves, and embrace our new today lifestyle of
397
00:20:50.109 --> 00:20:53.769
going solo. Being single doesn't mean you have to be alone,
398
00:20:53.890 --> 00:20:56.650
and you can live a full, fun life, bringing your
399
00:20:56.670 --> 00:21:00.700
vibration to a higher level of attraction. Going Solo Network
400
00:21:00.779 --> 00:21:05.130
is an interactive social support singles community that with several
401
00:21:05.170 --> 00:21:10.670
platforms helping singles connect with other like-minded individuals. We cover
402
00:21:10.730 --> 00:21:16.710
things like relationship loss, divorce recovery, embracing being single, single parenting,
403
00:21:17.109 --> 00:21:23.640
restructuring relationships, relationship building, transition into dating, and dating itself,
404
00:21:24.319 --> 00:21:29.119
solo in business, and going solo travelers. Be sure to
405
00:21:29.180 --> 00:21:34.220
join our private and exclusive fun interactive websites. designed for
406
00:21:34.279 --> 00:21:38.039
singles today who want to begin to embrace living and
407
00:21:38.119 --> 00:21:41.099
enjoying the space they're in. Together we will learn to
408
00:21:41.220 --> 00:21:44.079
open our hearts, our minds. We will begin to share
409
00:21:44.140 --> 00:21:47.670
and connect with others while exploring our personal life goals
410
00:21:48.009 --> 00:21:50.869
as we begin to make a place in our new life.
411
00:21:51.430 --> 00:21:54.049
We will start to move forward in going solo to
412
00:21:54.190 --> 00:21:57.789
actually living our best lives. Going solo doesn't mean you
413
00:21:57.809 --> 00:22:03.049
have to be alone. Today, together, let's begin changing your life. Today,
414
00:22:03.190 --> 00:22:06.390
join the singles at Going Solo Network and start to
415
00:22:06.450 --> 00:22:11.779
live your new life. I'll see you there on GoingSoloNetwork.com.
416
00:22:12.740 --> 00:22:16.640
We are back. This is Jason Weiss on Ask Jason Weiss.
417
00:22:16.960 --> 00:22:20.079
And I am honored to have with me Mitchell Ortega,
418
00:22:20.400 --> 00:22:25.059
who is the Debt Collection Defense Attorney. who will help
419
00:22:25.099 --> 00:22:28.009
you all out. So before we broke, I said that
420
00:22:28.029 --> 00:22:30.910
I would talk to you about coffee, fresh roasted coffee.
421
00:22:32.130 --> 00:22:35.170
You can hear it for the radio people. And I will,
422
00:22:35.950 --> 00:22:40.309
I promise you it smells good. I'm back to roasting
423
00:22:41.569 --> 00:22:44.670
and brewing my own coffee. And all you need to
424
00:22:44.710 --> 00:22:47.990
do is shoot me an email and my email address
425
00:22:48.210 --> 00:22:59.470
of jason at jswlawyer.com. or jason at askjasonweiss.com. Put in
426
00:22:59.509 --> 00:23:01.990
the subject line coffee. I just need to know if
427
00:23:02.029 --> 00:23:06.450
you want it ground or whole bean and a mailing address.
428
00:23:06.829 --> 00:23:08.809
And I'd be more than happy. And all I ask
429
00:23:08.849 --> 00:23:13.049
for is honest feedback on what you think. Now I'm
430
00:23:13.109 --> 00:23:16.390
still ordering these beans from companies and roasting them and
431
00:23:16.710 --> 00:23:19.349
making them my own, but I do have some coffee
432
00:23:19.410 --> 00:23:23.359
trees that are growing in my backyard and Hopefully they
433
00:23:23.380 --> 00:23:27.500
will produce some bean and I can't wait to roast
434
00:23:27.619 --> 00:23:30.099
and drink my own coffee. And it's funny, I'm not
435
00:23:30.119 --> 00:23:33.180
even a coffee drinker. I'd rather an energy drink any day,
436
00:23:33.240 --> 00:23:37.440
but I got to drink my own product and it's delicious.
437
00:23:37.480 --> 00:23:40.190
So again, if you want coffee, just send me an
438
00:23:40.230 --> 00:23:45.789
email saying coffee, send it to jason at askjasonweiss.com. And
439
00:23:45.930 --> 00:23:49.869
I will ship you a sample of either whole or
440
00:23:49.890 --> 00:23:54.250
ground coffee. And all I ask for is honest feedback.
441
00:23:54.289 --> 00:23:57.230
There's no catch. I'm shipping it to you for free.
442
00:23:57.630 --> 00:24:02.539
It will arrive just like this. So back to other things.
443
00:24:03.039 --> 00:24:07.819
We're talking about virtual law firms and the practice of law.
444
00:24:08.279 --> 00:24:11.079
And Mitch, you're a good chunk of years out of
445
00:24:11.180 --> 00:24:14.339
law school, not an old guy like me, but you've
446
00:24:14.359 --> 00:24:17.839
been out. And you did say that you're working with
447
00:24:18.480 --> 00:24:21.869
some younger attorneys and associate attorneys. And if if I
448
00:24:21.930 --> 00:24:25.210
implied that that meant they were younger, associate meaning, you know,
449
00:24:25.250 --> 00:24:27.849
that they answer to a partner as opposed to a
450
00:24:27.910 --> 00:24:31.329
colleague or type. So basically the question is, you know,
451
00:24:31.630 --> 00:24:35.779
you got kids graduating from college, not knowing what to do,
452
00:24:36.259 --> 00:24:39.460
kids graduating from law school, you know, not knowing what
453
00:24:39.500 --> 00:24:44.519
to do. Based on today's environment, you know, and you
454
00:24:44.559 --> 00:24:46.359
and I aren't in law school and I'm not teaching
455
00:24:46.420 --> 00:24:49.799
on that level right now, what changes do you think
456
00:24:49.819 --> 00:24:55.019
law school's should be making with regard to, you know,
457
00:24:55.119 --> 00:24:56.059
how they teach things?
458
00:24:57.079 --> 00:25:00.420
Well, and I think this transition is already starting to begin,
459
00:25:00.559 --> 00:25:05.509
but because technology is so influential on the practice of law,
460
00:25:06.009 --> 00:25:09.730
I would love to see law schools change their courses
461
00:25:09.849 --> 00:25:16.029
to accommodate the change of technological standpoint and just the
462
00:25:16.089 --> 00:25:18.950
situation we're in as far as using, you know, Client
463
00:25:19.150 --> 00:25:25.829
relations management software, for instance. Legal billing software. Legal bookkeeping software.
464
00:25:26.150 --> 00:25:27.950
These are all things, especially those who are coming out
465
00:25:27.990 --> 00:25:30.119
of law school and hanging their own shingle. You know,
466
00:25:30.279 --> 00:25:32.839
that is... you know, a skill set that you're going
467
00:25:32.859 --> 00:25:34.319
to have to learn on your own. And if you
468
00:25:34.359 --> 00:25:37.099
had like even an elective class in law school that
469
00:25:37.140 --> 00:25:40.890
sort of introduced you to some of the larger software
470
00:25:40.950 --> 00:25:43.569
companies out there and got you up to speed on
471
00:25:44.130 --> 00:25:46.069
how to use it, you know, if you come into
472
00:25:46.089 --> 00:25:47.569
a law firm, whether you're hanging out at your own
473
00:25:47.609 --> 00:25:49.559
shingle or going to a law firm where you're responsible
474
00:25:49.579 --> 00:25:52.900
for billing 2,200 hours a year, and you need to
475
00:25:52.940 --> 00:25:55.440
know how to input it efficiently because you can't waste
476
00:25:55.599 --> 00:25:58.740
any time whatsoever. Having a little bit of background in
477
00:25:58.779 --> 00:26:00.859
how to use that software, I think would be fantastic
478
00:26:00.900 --> 00:26:03.359
and a good skill set for law students that have
479
00:26:03.579 --> 00:26:06.640
coming out of law school. That and then just making
480
00:26:06.680 --> 00:26:08.599
sure they're hitting all the substance of what you're going
481
00:26:08.619 --> 00:26:10.799
to be tested on the bar exam. And those are
482
00:26:10.839 --> 00:26:14.119
probably the two big things. And obviously the latter is
483
00:26:14.230 --> 00:26:16.769
already given a great deal of priority, but it becomes
484
00:26:17.069 --> 00:26:19.789
infinitely more important because I also coming out of law
485
00:26:19.809 --> 00:26:22.710
school for a have seen individuals that were in the
486
00:26:22.750 --> 00:26:25.990
same classes as me that weren't able to really pass
487
00:26:26.039 --> 00:26:29.940
that bar exam. And it's unfortunate because you're earning potential.
488
00:26:29.980 --> 00:26:32.180
The reason why you went to law school and the
489
00:26:32.720 --> 00:26:34.980
value you were supposed to get with all of that blood, sweat,
490
00:26:35.000 --> 00:26:36.740
and tears you put into it, you're not going to
491
00:26:36.859 --> 00:26:41.880
ever fully realize your potential earning-wise if you don't pass
492
00:26:41.920 --> 00:26:44.660
that bar. So that has always got to be the
493
00:26:44.759 --> 00:26:47.880
starting point. That is the first, second, and last thing
494
00:26:47.960 --> 00:26:50.599
that they need to prioritize in the grand scheme of things.
495
00:26:51.019 --> 00:26:53.559
But if you're asking me another skill set, I think technology.
496
00:26:53.579 --> 00:26:56.230
That's not something that was focused in my law school curriculum.
497
00:26:56.690 --> 00:26:58.069
And that's something I sort of had to get a
498
00:26:58.089 --> 00:27:00.470
crash course as I've been practicing myself.
499
00:27:01.410 --> 00:27:04.289
Yeah. And I know we work together on some technology
500
00:27:04.329 --> 00:27:07.289
stuff and all of that. And, you know, so one
501
00:27:07.309 --> 00:27:09.200
of the things that I'm doing right now with Ask
502
00:27:09.240 --> 00:27:13.880
Jason Weiss is a couple of my newer clients and
503
00:27:14.019 --> 00:27:17.700
people that just signed on with me. I'm basically, you know,
504
00:27:18.099 --> 00:27:21.799
teaching them, and I call it the stuff, and I
505
00:27:21.900 --> 00:27:23.599
use another word, but I don't want to put it
506
00:27:23.660 --> 00:27:27.160
on the radio airwaves, the stuff they never taught you
507
00:27:27.200 --> 00:27:31.130
in law school, such as how to deal with a
508
00:27:31.180 --> 00:27:34.430
judge that's not particularly fond of you for some reason,
509
00:27:34.529 --> 00:27:38.690
how to deal with an opposing counsel that is just
510
00:27:39.009 --> 00:27:43.730
uncontrollable and a lunatic, how to, you know, deal with
511
00:27:44.200 --> 00:27:47.420
a client that can never be satisfied, how to deal
512
00:27:47.460 --> 00:27:50.710
with a client that's not responsive. I mean, Mitch, you
513
00:27:50.750 --> 00:27:56.289
and I could come up with 100,000 different scenarios. And
514
00:27:56.670 --> 00:28:01.630
that's one of the wonderful things. I'm technically a solo practitioner,
515
00:28:01.650 --> 00:28:04.559
but I've always had, not always, but since Mitch is
516
00:28:04.880 --> 00:28:07.759
a licensed attorney, ever since he's in law school, actually,
517
00:28:08.440 --> 00:28:10.440
a sounding block, somebody to call up, Mitch, let me
518
00:28:10.480 --> 00:28:12.559
run this by you. Sure, Jay, no problem. And we
519
00:28:12.599 --> 00:28:14.430
run it by, or I'll get a phone call. Hey, Jay,
520
00:28:14.450 --> 00:28:16.529
you got five minutes. I want to run this by you.
521
00:28:16.650 --> 00:28:20.099
And and that's a great thing. And, you know, I
522
00:28:20.140 --> 00:28:24.640
can't stress it enough for younger attorneys, older attorneys, any attorneys.
523
00:28:24.980 --> 00:28:28.140
You need someone there to bounce it off of someone
524
00:28:28.180 --> 00:28:31.720
who's been through it before. You know, look, would I
525
00:28:31.740 --> 00:28:35.289
be calling Mitch on something outside of his practice realm?
526
00:28:35.710 --> 00:28:39.069
Probably not. But would I be calling him for something
527
00:28:39.390 --> 00:28:42.309
in the litigation world, in a transactional world, in a
528
00:28:42.450 --> 00:28:43.230
credit card world?
529
00:28:43.700 --> 00:28:43.940
Yes.
530
00:28:44.319 --> 00:28:46.619
A hundred percent. I mean, Mitch and I were talking
531
00:28:47.019 --> 00:28:49.420
right before we got on and I have a matter
532
00:28:49.480 --> 00:28:52.460
in North Carolina. I'm not a North Carolina barred attorney.
533
00:28:52.990 --> 00:28:55.690
I'm not going to try to be like pro hoc
534
00:28:55.809 --> 00:28:58.970
in and help, but I need an attorney in North Carolina.
535
00:28:59.609 --> 00:29:01.670
Mitch is like, Hey, give me, give me a couple hours.
536
00:29:01.730 --> 00:29:03.710
I'm sure I got somebody. I can get you his
537
00:29:03.750 --> 00:29:06.579
or her name and we'll go from there. And, and that's,
538
00:29:06.970 --> 00:29:08.759
that's the kind of stuff they don't teach you in
539
00:29:08.799 --> 00:29:11.980
law school. In law school, they teach you very black
540
00:29:12.039 --> 00:29:15.380
and white. Um, It's funny. I remember one of the
541
00:29:15.460 --> 00:29:18.440
first things I ever read from Mitch that he ever
542
00:29:18.500 --> 00:29:21.720
did when he was a clerk, it was well-written. It
543
00:29:21.759 --> 00:29:25.849
was well thought of, but the problem was that it
544
00:29:25.880 --> 00:29:28.950
was kind of, well, if you go this route, this,
545
00:29:29.349 --> 00:29:33.309
and if you went that route, that. As attorneys, and Mitch,
546
00:29:33.369 --> 00:29:36.349
you can chime in at any time. as attorneys, we're
547
00:29:36.369 --> 00:29:39.819
there to advocate for our clients. And when our clients say,
548
00:29:39.880 --> 00:29:41.539
this is what I need and this is what's got
549
00:29:41.559 --> 00:29:46.039
to get done, you can't say no. You say, okay, well,
550
00:29:46.079 --> 00:29:48.339
I might not be able to do it the exact
551
00:29:48.380 --> 00:29:50.400
way you want it, but we could try this way
552
00:29:50.420 --> 00:29:51.900
or we could try this way or we could try
553
00:29:51.920 --> 00:29:55.480
this or we could try that. And you find a solution.
554
00:29:55.539 --> 00:29:57.640
Just going back to your client saying it's impossible to
555
00:29:57.900 --> 00:30:00.630
get done, it's not going to fire you. you're done.
556
00:30:01.630 --> 00:30:05.990
And it's not impossible. It might not be possible the
557
00:30:06.029 --> 00:30:08.650
way they want it, but we've got to put on
558
00:30:08.730 --> 00:30:12.180
our creative hats. And I think that's a little bit
559
00:30:12.220 --> 00:30:15.299
of what we do. I think we're creative writers. I
560
00:30:15.319 --> 00:30:18.980
think we're creative thinkers. I think we're counselors. I think
561
00:30:19.019 --> 00:30:22.180
we're social workers. I think we're a shoulder to cry on.
562
00:30:22.819 --> 00:30:24.859
And a lot of times people don't realize we're also
563
00:30:24.920 --> 00:30:28.180
human beings. And I say this to opposing councils and
564
00:30:28.460 --> 00:30:31.640
co-councils all the time. Look, As a human being, as
565
00:30:31.680 --> 00:30:34.529
a man, as a father, this is what it is.
566
00:30:34.769 --> 00:30:39.230
As an attorney, this is what it is. And we
567
00:30:39.289 --> 00:30:44.200
can't be defined as ESQ or attorney. And I think
568
00:30:44.240 --> 00:30:45.579
that's very important.
569
00:30:46.259 --> 00:30:48.359
I would just like to comment on what you just said, Jay.
570
00:30:48.579 --> 00:30:51.279
I also think you can add juggler to that list.
571
00:30:51.319 --> 00:30:54.819
We are professional jugglers because we have to juggle so
572
00:30:54.940 --> 00:30:57.480
many things. We're clowns, basically. I think that's the best
573
00:30:57.500 --> 00:30:59.559
way to put it. We're clowns just without the noses.
574
00:30:59.819 --> 00:31:02.500
So we have to juggle expectations. We have to juggle
575
00:31:02.539 --> 00:31:05.440
our clients, what they want, what they would be okay with.
576
00:31:06.180 --> 00:31:08.519
Sometimes we have to counsel our clients to not let
577
00:31:08.559 --> 00:31:10.980
be perfect be the enemy of good. If I can
578
00:31:11.029 --> 00:31:13.450
give you 75% of what you want, that's usually a
579
00:31:13.470 --> 00:31:18.029
lot better than you would have gotten anyway. But everybody's different.
580
00:31:18.130 --> 00:31:19.529
And at the end of the day, clients can make
581
00:31:19.569 --> 00:31:23.089
those decisions. They can decide from the big picture realm,
582
00:31:23.329 --> 00:31:26.269
what do you want? And they could change their mind.
583
00:31:26.369 --> 00:31:28.450
And our job is just to give it to them straight.
584
00:31:28.509 --> 00:31:30.859
We're not going to promise them hopes and dreams. We're
585
00:31:30.880 --> 00:31:33.200
not magicians with a magic wand. We can't make everything
586
00:31:33.220 --> 00:31:36.519
go away or come. But we can tell you. What
587
00:31:36.880 --> 00:31:39.799
what is the legal ramifications of your actions? What does
588
00:31:39.839 --> 00:31:42.180
this mean? What is likely to happen? And what isn't
589
00:31:42.279 --> 00:31:45.240
our best what we think is in their best interest? And,
590
00:31:45.420 --> 00:31:47.960
you know, and lawyers, we don't have the luxury of
591
00:31:48.299 --> 00:31:49.720
doing what we want to do. We have to do
592
00:31:49.740 --> 00:31:51.420
what we have to do. A lot of people don't
593
00:31:51.440 --> 00:31:54.289
understand that either. Our hands are tied. We can only
594
00:31:54.329 --> 00:31:57.690
consider your best interest by law. Ethically, it would be
595
00:31:57.710 --> 00:32:00.269
a you know, we could get in trouble, frankly, with
596
00:32:00.289 --> 00:32:03.829
our local bar employees. If we were giving advice that
597
00:32:03.890 --> 00:32:06.769
we thought was just the best for any other entity
598
00:32:06.809 --> 00:32:09.369
or any other person other than our client. So we
599
00:32:09.450 --> 00:32:11.509
always are looking out for our clients. But yes, I
600
00:32:11.549 --> 00:32:13.029
think you can add Django to that list. And if
601
00:32:13.089 --> 00:32:15.089
I could give for the first issue you brought up,
602
00:32:15.259 --> 00:32:19.660
you know, communicating with opposing counsel and communicating with judges
603
00:32:19.720 --> 00:32:24.039
and communicating with clients is probably the biggest thing you'll
604
00:32:24.140 --> 00:32:26.700
learn out of law school because there is no class
605
00:32:26.740 --> 00:32:31.140
about that whatsoever. And in my experience watching us experience
606
00:32:31.180 --> 00:32:34.369
attorneys like Jason and other attorneys over the years, if
607
00:32:34.509 --> 00:32:37.049
I could come up with any philosophy for how to
608
00:32:37.150 --> 00:32:39.730
approach that, especially for young attorneys fresh out of law school,
609
00:32:40.130 --> 00:32:42.950
it is to be authentic. It is to be yourself.
610
00:32:43.410 --> 00:32:45.509
Don't think just because you now have an ESQ at
611
00:32:45.529 --> 00:32:47.950
the end of your name, you're somebody else. You're a
612
00:32:47.990 --> 00:32:51.910
big shot. You're entitled to anything. Just be yourself. Approach
613
00:32:51.950 --> 00:32:54.450
it with your own personality. Don't have to pretend to
614
00:32:54.490 --> 00:32:58.559
be anybody. Lawyers are smart people. We gravitate toward authenticity.
615
00:32:58.599 --> 00:33:03.099
We know if somebody's posturing or bluffing or sticking their
616
00:33:03.140 --> 00:33:05.380
chest out just to try to be intimidating. We could
617
00:33:05.420 --> 00:33:08.180
see that from a mile away, especially seasoned attorneys. The
618
00:33:08.220 --> 00:33:09.920
best thing you could do to get respect from the
619
00:33:10.220 --> 00:33:12.539
judges you're in front of, the opposing counsels you're against,
620
00:33:12.599 --> 00:33:14.829
and even your own clients is just to be yourself.
621
00:33:15.119 --> 00:33:16.789
That's the best advice that I could give.
622
00:33:17.230 --> 00:33:19.450
And I was there for the first time Mitch ever
623
00:33:19.609 --> 00:33:20.450
argued in court.
624
00:33:21.190 --> 00:33:22.009
Oh, come on, Jeff.
625
00:33:22.289 --> 00:33:25.490
And one of the things that we both picked up on, admittedly,
626
00:33:25.549 --> 00:33:29.250
was his arguments were great. His reasonings were sound, but
627
00:33:29.289 --> 00:33:33.630
he blew through them so fast. And once we slowed
628
00:33:33.690 --> 00:33:37.599
him down, it was no holding him back. So we
629
00:33:37.680 --> 00:33:41.660
slowed him down and he just bursted onto the scenes.
630
00:33:42.079 --> 00:33:45.700
And it was awesome. And I'm still excited to watch you.
631
00:33:46.039 --> 00:33:49.579
So excited to see. So excited to talk and do
632
00:33:49.619 --> 00:33:52.279
all that and just see the passion that you have for,
633
00:33:52.559 --> 00:33:55.460
you know, helping individuals. And it's funny because, you know,
634
00:33:55.740 --> 00:33:58.400
I can tell Mitch truly found his calling with this
635
00:33:58.519 --> 00:34:00.539
area of the law. And he's been in it quite
636
00:34:00.559 --> 00:34:03.289
some time because he gets excited when a new law
637
00:34:03.349 --> 00:34:07.619
comes down, a new rule comes down, a new not trick. trick,
638
00:34:07.660 --> 00:34:09.800
but a new thing that he might know. And I
639
00:34:09.860 --> 00:34:13.599
remember when we were working on something together and he
640
00:34:13.639 --> 00:34:16.159
threw it in there. The rules of Florida changed. And
641
00:34:16.300 --> 00:34:19.380
as of this date and time, you had to do this.
642
00:34:19.460 --> 00:34:21.900
It was no longer optional. It was mandatory. And he
643
00:34:21.960 --> 00:34:24.360
dropped it in a footnote in the pleadings. And he
644
00:34:24.380 --> 00:34:27.449
was winning cases left and right because he took the
645
00:34:27.510 --> 00:34:29.909
time to do a little bit of research and find
646
00:34:29.989 --> 00:34:34.000
something else that nobody else found. Now, everybody's fixed it.
647
00:34:34.409 --> 00:34:39.320
And because of Mitch's fixes and suggestions. He helped clients
648
00:34:39.699 --> 00:34:42.139
and he helped the practice of law because now even
649
00:34:42.179 --> 00:34:46.039
plaintiff's counsels are making things that they're right. And Mitch,
650
00:34:46.059 --> 00:34:48.159
you and I used to have this conversation all the time.
651
00:34:48.460 --> 00:34:51.949
They change their standard complaints because of our motions to
652
00:34:51.989 --> 00:34:55.489
dismiss and they become more thorough and they've done this.
653
00:34:55.530 --> 00:34:58.190
And to us, that was a win because it's better
654
00:34:58.210 --> 00:35:01.250
for the practice. It's better for our clients. It's better for,
655
00:35:01.630 --> 00:35:05.039
for everything. So I'm going to segue into something that's
656
00:35:05.099 --> 00:35:07.059
near and dear to both of our hearts right now.
657
00:35:07.559 --> 00:35:10.960
So I always throw the hardest question of the day
658
00:35:11.039 --> 00:35:13.000
towards the end of an interview. And Mitch, I told
659
00:35:13.019 --> 00:35:15.480
you I'd keep it easy on you. And I have.
660
00:35:15.559 --> 00:35:20.880
So here's my hardest question of the day. Best legal
661
00:35:21.480 --> 00:35:22.880
movie ever.
662
00:35:23.880 --> 00:35:27.119
So, Jay, you and I are in complete agreement on
663
00:35:27.159 --> 00:35:31.530
this very, very controversial subject. Interesting enough, the movie, that
664
00:35:31.570 --> 00:35:33.349
is the answer to your question. That is the answer
665
00:35:33.369 --> 00:35:35.250
to the question that if it's asked to you, it's
666
00:35:35.269 --> 00:35:37.090
the answer you'll give because you and I love this
667
00:35:37.130 --> 00:35:40.639
movie to death. Interesting, it was the 30-year anniversary of
668
00:35:40.679 --> 00:35:43.199
this movie coming out to theaters about two weeks ago.
669
00:35:44.059 --> 00:35:47.159
And the Florida Bar just did a poll. They did
670
00:35:47.179 --> 00:35:50.199
it for March Madness. They did a bracket of the
671
00:35:50.239 --> 00:35:53.480
best legal movies of all time. And this movie, of course, won.
672
00:35:54.130 --> 00:35:55.869
from all of the Florida lawyers in the state who
673
00:35:55.909 --> 00:35:58.070
voted as the number one legal movie of all time.
674
00:35:58.090 --> 00:35:59.800
And of course, I'm talking about the timeless classic.
675
00:35:59.820 --> 00:36:01.219
Wait, wait, wait, wait. Drum roll.
676
00:36:02.840 --> 00:36:03.619
My Cousin Vinny.
677
00:36:04.360 --> 00:36:04.800
Bingo.
678
00:36:04.820 --> 00:36:08.059
My Cousin Vinny. There's no contest. Not only is it
679
00:36:08.139 --> 00:36:12.000
a very funny movie, it's very well written. It's also,
680
00:36:12.119 --> 00:36:16.650
as Jay will reiterate, the most legal, realistic legal movie
681
00:36:16.730 --> 00:36:19.989
that you will see. As far as showing how procedure works,
682
00:36:20.070 --> 00:36:24.159
as far as showing proceedings in court, interactions with opposing counsel.
683
00:36:24.300 --> 00:36:26.699
It is just a tour de force of a legal
684
00:36:26.719 --> 00:36:30.610
movie and not even close. Jason and I have a
685
00:36:30.780 --> 00:36:32.650
bunch of legal movies that we love. We were just
686
00:36:32.690 --> 00:36:34.889
talking about The Devil's Advocate a couple of days ago
687
00:36:34.969 --> 00:36:36.889
as well. That's another movie that we love. Of course,
688
00:36:37.230 --> 00:36:39.250
Jason going to the University of Florida Law School, any
689
00:36:39.369 --> 00:36:41.150
litigators in the city of Gainesville is going to be
690
00:36:41.190 --> 00:36:43.469
on his radar, just like Keanu Reeves was.
691
00:36:43.329 --> 00:36:43.809
In that movie.
692
00:36:44.380 --> 00:36:46.559
But yeah, it's not even close, Jay.
693
00:36:46.599 --> 00:36:50.980
Well, I went to University of Miami for law. I'm
694
00:36:51.000 --> 00:36:54.000
a Gator from my undergrad. That's where I met my wife.
695
00:36:54.840 --> 00:36:57.119
We went back to visit. That's when we found out
696
00:36:57.159 --> 00:37:00.590
she was pregnant with our son way back when. So
697
00:37:00.929 --> 00:37:03.070
Gainesville is near and dear. I went to UM for law,
698
00:37:03.309 --> 00:37:06.050
but Gainesville is near and dear to my heart. And
699
00:37:07.030 --> 00:37:11.179
I actually watched my cousin Vinny last night. It's one
700
00:37:11.219 --> 00:37:13.369
of the things that's on the queue and when I
701
00:37:13.409 --> 00:37:16.099
can't sleep or I need to focus, I watch it.
702
00:37:16.190 --> 00:37:20.809
I mean, there are so many just relevant things. I mean,
703
00:37:20.869 --> 00:37:22.889
one of the things that I love is when he
704
00:37:22.989 --> 00:37:27.440
objects to the expert being brought on and he says
705
00:37:27.519 --> 00:37:30.340
to the judge, Herman Munster, of course, he says to
706
00:37:30.380 --> 00:37:34.840
the judge, you know, it hasn't been conveyed to me before.
707
00:37:34.860 --> 00:37:37.050
They haven't turned it over. He was on the witness list.
708
00:37:37.110 --> 00:37:38.949
I know nothing about this and all this. And the
709
00:37:38.989 --> 00:37:42.969
judge is like, Mr. Gambini, that was well thought, well articulated,
710
00:37:43.369 --> 00:37:48.309
well done, denied. And you're like, what? What? Everything is
711
00:37:48.389 --> 00:37:52.289
in your favor. And I did everything you wanted and denied.
712
00:37:52.889 --> 00:37:54.969
And how realistic is that, Jay?
713
00:37:55.050 --> 00:37:56.929
And I'll tell you this. There was a judge in
714
00:37:56.969 --> 00:38:02.010
Broward County who is now retired where everybody knew what
715
00:38:02.050 --> 00:38:03.489
you had to do. You had to walk up to
716
00:38:03.510 --> 00:38:05.969
the podium when it was your turn. And you literally
717
00:38:06.030 --> 00:38:09.400
had to read off of the script. Good morning, Your Honor.
718
00:38:09.739 --> 00:38:15.360
My name is blank. I am here representing blank. What
719
00:38:15.420 --> 00:38:19.619
we are here for today is blank, literally. And it
720
00:38:19.659 --> 00:38:24.630
would say plaintiff's counsel goes first, defense counsel goes second,
721
00:38:25.469 --> 00:38:30.210
because he wanted order in his courtroom. And that's the
722
00:38:30.230 --> 00:38:32.650
biggest thing. With all of the changes and all of
723
00:38:32.690 --> 00:38:38.159
the things going on, thank God the judges have kind
724
00:38:38.219 --> 00:38:41.219
of molded a little bit and they've gotten it and
725
00:38:41.239 --> 00:38:46.550
they're getting orders and procedures put in place so that
726
00:38:46.610 --> 00:38:49.349
it's easier for them, which is awesome. We don't want
727
00:38:49.369 --> 00:38:52.010
to make their jobs harder than it is. And it's
728
00:38:52.090 --> 00:38:55.550
easier for us to keep judges happy. And I think
729
00:38:55.590 --> 00:38:57.809
that's what it's about. And I had a compliment from
730
00:38:57.849 --> 00:39:01.110
a judge a couple of months ago that is allowing
731
00:39:01.150 --> 00:39:06.860
me to appear at things virtually because he said, that
732
00:39:07.139 --> 00:39:11.480
my camera is clear, my microphone is clear, and I
733
00:39:11.539 --> 00:39:15.760
always dress professionally. I'm always in a shirt, tie, and
734
00:39:15.820 --> 00:39:18.900
jacket when I'm on those, not like today. And I'm
735
00:39:19.079 --> 00:39:23.150
always with a good computer, a good sound system. Everything
736
00:39:23.210 --> 00:39:26.050
is closed off. Everything is quiet. And I'm giving the
737
00:39:26.110 --> 00:39:32.079
judge the exact respect that the judicial... process deserves. And
738
00:39:32.119 --> 00:39:34.440
I think that's something that, you know, there have been
739
00:39:35.159 --> 00:39:38.469
videos floating around that attorneys are appearing in bed and
740
00:39:38.760 --> 00:39:40.449
they're coming in their pajamas.
741
00:39:40.469 --> 00:39:41.210
No, no.
742
00:39:42.570 --> 00:39:45.429
You're an extension of the legal system. The judges are
743
00:39:45.449 --> 00:39:48.599
there wearing their robes and treating us professionally. We need
744
00:39:48.619 --> 00:39:51.030
to give the judges the same respect and our clients
745
00:39:51.150 --> 00:39:55.110
and our colleagues and the bailiffs and the judicial assistants, everybody.
746
00:39:55.949 --> 00:39:58.230
And just give respect. And that's my whole big thing.
747
00:39:58.250 --> 00:40:01.280
You know, respect everyone. So when you said we've appeared
748
00:40:01.320 --> 00:40:04.380
at hearings from our bedrooms, I got a chuckle out
749
00:40:04.420 --> 00:40:09.880
of that. Hearings from our homes, in full respect, 100 percent. Yes.
750
00:40:10.219 --> 00:40:12.639
And if there was any bedroom appearances, Jay, it would
751
00:40:12.659 --> 00:40:15.690
have been with the full attire, if anything. And of course,
752
00:40:15.730 --> 00:40:18.469
with a clear background. But I meant that as definitely
753
00:40:18.510 --> 00:40:21.610
as an example of what technology allows us to do
754
00:40:21.670 --> 00:40:24.230
these days, because it's never would have imagined four or
755
00:40:24.269 --> 00:40:28.750
five years ago that even if you wanted to, you could. So, yes.
756
00:40:28.889 --> 00:40:30.929
And I also agree with you. It's great to have
757
00:40:31.010 --> 00:40:33.250
clarity from all of these judges as far as the
758
00:40:33.309 --> 00:40:37.099
new rules that go along with the technological advances that
759
00:40:37.119 --> 00:40:39.340
the courts are making, because a lot of judges also
760
00:40:39.420 --> 00:40:43.980
have formal rules for your background, your camera, your microphone,
761
00:40:44.699 --> 00:40:47.880
what you have to wear. It is technically an in-court proceeding,
762
00:40:47.920 --> 00:40:49.579
and most of us wouldn't show up to court with
763
00:40:49.619 --> 00:40:51.480
a bathrobe if we didn't want to get laughed or
764
00:40:51.500 --> 00:40:55.000
yelled at by the judge. So nevertheless, it's always good
765
00:40:55.019 --> 00:40:57.239
when we have rules. Rules are not a bad thing.
766
00:40:57.260 --> 00:40:59.320
They're a good thing because it gives clarity for all
767
00:40:59.340 --> 00:41:01.880
the parties. We all know what the rules are. It's
768
00:41:01.900 --> 00:41:03.929
actually worse when you don't have rules because then you
769
00:41:03.969 --> 00:41:06.730
have to speculate as to how to meet the standards
770
00:41:06.750 --> 00:41:08.769
of what the judge wants. And that's very, very difficult
771
00:41:08.789 --> 00:41:11.309
sometimes because there's so many judges in so many counties,
772
00:41:11.710 --> 00:41:14.429
in so many states, and they all want something different sometimes.
773
00:41:14.590 --> 00:41:17.690
So this is perfect. This is perfect to just bring
774
00:41:17.710 --> 00:41:20.349
it back full circle. So when you get served with
775
00:41:20.929 --> 00:41:23.489
that letter or that lawsuit because you're behind on your
776
00:41:23.510 --> 00:41:25.380
credit card or you can't make the payments or you're
777
00:41:25.420 --> 00:41:27.820
afraid they're going to send you collections, don't try to
778
00:41:27.860 --> 00:41:31.969
do it by yourself. Don't be embarrassed. Don't don't feel sad.
779
00:41:32.349 --> 00:41:35.269
Don't go, oh, my God, the sky is falling. What
780
00:41:35.309 --> 00:41:38.530
you should do is call Mitch. He might not have
781
00:41:38.550 --> 00:41:40.170
the answer for you, but at least he's going to
782
00:41:40.210 --> 00:41:42.829
be in here to listen. He's going to be able
783
00:41:42.849 --> 00:41:45.199
to probably help you or at least get you on
784
00:41:45.219 --> 00:41:48.980
the right path. And it's not anything to be embarrassed by. Look,
785
00:41:49.219 --> 00:41:52.800
we've all been involved in things. It happens, you know.
786
00:41:53.179 --> 00:41:56.119
So my recommendation is you got credit card problems. You're
787
00:41:56.139 --> 00:41:59.019
behind on that. You're having collection issues. You're having whatever.
788
00:41:59.760 --> 00:42:03.079
Give Mitch a call. or check him out on his website.
789
00:42:03.519 --> 00:42:06.599
So that's it for today. Mitch, I want to thank
790
00:42:06.639 --> 00:42:09.500
you again for hopping in, being on this show with me.
791
00:42:10.440 --> 00:42:19.730
You could be reached again at 800-316-3133, guardianlit.com. You could
792
00:42:19.769 --> 00:42:22.550
also check him out on the Florida Bar website. You
793
00:42:22.570 --> 00:42:29.300
could always get me at jason at askjasonweiss.com or askjasonweiss.com.
794
00:42:29.809 --> 00:42:34.869
Or if you're looking for an attorney and not a coach, jswlawyer.com. Mitch,
795
00:42:35.210 --> 00:42:37.349
thank you so much for taking the time to be
796
00:42:37.389 --> 00:42:41.909
with us here today. Hopefully our listeners learned all about collections,
797
00:42:41.989 --> 00:42:45.030
what to do, and hopefully you won't ever get in
798
00:42:45.050 --> 00:42:48.630
that situation where you need it. But hey, if it happens,
799
00:42:49.070 --> 00:42:51.389
no big deal. Call Mitch. He knows what he's doing.
800
00:42:51.869 --> 00:42:53.949
Jay, thank you so much for having me this afternoon.
801
00:42:53.969 --> 00:42:56.869
It was great chatting with you. And yes, please, anybody
802
00:42:56.949 --> 00:43:01.099
out there You know, we understand problems happen that are unforeseen.
803
00:43:01.219 --> 00:43:03.389
You lose a job, you go through divorce, you have
804
00:43:03.409 --> 00:43:06.269
to relocate, you know, no shame at all when you
805
00:43:06.309 --> 00:43:08.630
have to go through these very common life events. And
806
00:43:08.670 --> 00:43:10.230
if you need somebody to help you, if you need
807
00:43:10.269 --> 00:43:12.630
a second set of eyes, if you're curious about the
808
00:43:12.690 --> 00:43:14.869
legal ramifications, just give us a call. We're happy to
809
00:43:14.889 --> 00:43:15.230
help out.
810
00:43:15.869 --> 00:43:19.010
And one last shout out to Cece, who is just
811
00:43:19.690 --> 00:43:22.309
the lady behind the scenes who runs this all. Couldn't
812
00:43:22.349 --> 00:43:25.679
be possible without her. CeCe, thank you for everything. You
813
00:43:25.719 --> 00:43:31.460
and the GoingSoloMedia.com and the Going Solo Network. You guys
814
00:43:31.500 --> 00:43:34.159
are awesome. Thank you. Thank you. Thank you. And I'm
815
00:43:34.199 --> 00:43:36.730
just honored and privileged to be able to do this
816
00:43:37.130 --> 00:43:40.909
every other Thursday at noon Eastern time. Thank you, everybody.
817
00:43:40.929 --> 00:43:43.000
Have a wonderful rest of the week and a great week.
818
00:43:43.139 --> 00:43:48.519
You're listening to WGSN-DB, Going Solo Network, singles talk radio channel,
819
00:43:48.820 --> 00:43:52.000
where we take a lighthearted and candid approach to discussions
820
00:43:52.059 --> 00:43:56.320
on the journey of relationship loss, divorce, parenting, being single,
821
00:43:56.619 --> 00:44:01.400
relationships building, dating, and yes, sex. Join our listeners and
822
00:44:01.440 --> 00:44:03.429
begin living your best life.
1
00:00:00.330 --> 00:00:05.710
You're listening to WGSN-DB, Going Solo Network, Singles Talk Radio Channel,
2
00:00:05.990 --> 00:00:09.169
where we take a lighthearted and candid approach to discussions
3
00:00:09.230 --> 00:00:13.490
on the journey of relationship loss, divorce, parenting, being single,
4
00:00:13.789 --> 00:00:18.570
relationships building, dating, and yes, sex. Join our listeners and
5
00:00:18.609 --> 00:00:20.640
begin living your best life.
6
00:00:25.160 --> 00:00:29.940
Good morning, good afternoon, good evening, good day. I think
7
00:00:29.960 --> 00:00:33.200
this is the first time we're back up in 2022.
8
00:00:33.200 --> 00:00:36.679
I apologize. I've been out of commission a little bit
9
00:00:36.759 --> 00:00:39.560
on this, dealing with some family stuff, dealing with some
10
00:00:39.579 --> 00:00:44.270
work-related things. But now I am back, and hopefully every
11
00:00:44.299 --> 00:00:49.829
other Thursday we'll be live again. So welcome, everybody. Although
12
00:00:49.890 --> 00:00:53.509
this is a show by an attorney, nothing herein is
13
00:00:53.570 --> 00:00:56.670
legal advice. Do not rely upon anything we say. You
14
00:00:56.710 --> 00:00:59.509
have not hired an attorney. There is no attorney-client privilege.
15
00:00:59.840 --> 00:01:04.099
And again, nothing herein shall be construed as legal advice.
16
00:01:05.000 --> 00:01:08.640
So I want to welcome a very close friend of
17
00:01:08.719 --> 00:01:14.750
mine and just a tremendous individual, Mitchell Ortega, who, believe
18
00:01:14.769 --> 00:01:17.090
it or not, I have had the honor of knowing
19
00:01:17.670 --> 00:01:23.329
Mitch probably 20 years. I actually, I'm going to tell
20
00:01:23.370 --> 00:01:26.530
this quick story. Mitch worked with me for a handful
21
00:01:26.549 --> 00:01:29.530
of years and actually worked took an entire section of
22
00:01:29.569 --> 00:01:32.510
the practice and went off and ran it and did
23
00:01:32.530 --> 00:01:35.870
a phenomenal job. But I remember Mitch came in as
24
00:01:35.969 --> 00:01:38.349
a summer intern when he was after his first year
25
00:01:38.390 --> 00:01:41.010
of law school. And he's sitting there working. And my
26
00:01:41.090 --> 00:01:43.590
wife walked into the office and he put his head up,
27
00:01:43.849 --> 00:01:46.250
not missing a beat. Good morning, Mrs.
28
00:01:46.310 --> 00:01:46.590
Weiss.
29
00:01:47.030 --> 00:01:49.739
Kept on working. And then he kind of like dawned
30
00:01:49.799 --> 00:01:54.799
on him. Holy cow, Mrs. Weiss. Well, my wife was
31
00:01:54.900 --> 00:02:00.879
his middle school teacher. and amazing. And Mitch and I
32
00:02:01.000 --> 00:02:07.519
have been colleagues, friends, and we've been through major crap
33
00:02:07.560 --> 00:02:11.379
together is all I'm going to say. And he's just
34
00:02:11.439 --> 00:02:13.909
a phenomenal man. And look, I mean, I had another
35
00:02:13.969 --> 00:02:17.449
guest scheduled for today and we're not going to drag
36
00:02:17.490 --> 00:02:21.500
him through the mud too much, Corey. But but I
37
00:02:21.520 --> 00:02:23.419
called Mitch up and said, Hey, I got, I got
38
00:02:23.460 --> 00:02:25.300
the show. And he's like, dude, I'm in whatever I
39
00:02:25.340 --> 00:02:28.159
can do. So, so that that's my intro to Mitch.
40
00:02:28.280 --> 00:02:31.300
Mitch is the guy who will drop everything and get
41
00:02:31.340 --> 00:02:35.099
it done. Mitch is an attorney and I'll let, I'll
42
00:02:35.120 --> 00:02:37.849
let him speak about himself a little bit, but he
43
00:02:37.930 --> 00:02:41.409
is right now focusing on something that I think that
44
00:02:41.530 --> 00:02:43.490
it's going to be booming again. And it has to
45
00:02:43.550 --> 00:02:46.620
do with collections and credit card debt because of, because
46
00:02:46.659 --> 00:02:50.370
of COVID and because of everything and missing jobs and
47
00:02:50.659 --> 00:02:54.030
overextending and, you know, needing things for kids and school
48
00:02:54.050 --> 00:02:56.949
supplies and all this, people started using credit cards again.
49
00:02:56.969 --> 00:03:00.509
And now the credit card companies are raising interest rates
50
00:03:00.590 --> 00:03:03.870
and the Fed raised interest rates. And, you know, people
51
00:03:03.930 --> 00:03:06.270
are getting stuck with, you know, interest that they can't
52
00:03:06.310 --> 00:03:09.490
afford and doing all this. And, you know, Mitch is
53
00:03:09.590 --> 00:03:14.689
helping those individuals, you know, get some relief. So without
54
00:03:14.750 --> 00:03:17.310
further ado and relief to all you having to listen
55
00:03:17.330 --> 00:03:21.490
to me, Mitchell Ortega, based out of St. Augustine, Florida,
56
00:03:22.110 --> 00:03:26.430
but it has a national presence. So Mitch, give us
57
00:03:26.469 --> 00:03:28.729
a minute or two about yourself and I'll interrupt you
58
00:03:28.810 --> 00:03:29.710
and keep plugging you.
59
00:03:30.770 --> 00:03:33.569
Yeah, Jay, thank you so much for that intro. I'll
60
00:03:33.620 --> 00:03:35.599
just say that Corey's loss is my gain. It's always
61
00:03:35.639 --> 00:03:38.580
a pleasure to sit down and talk with Mr. Jason Weiss.
62
00:03:39.479 --> 00:03:42.139
But yes, thank you so much. As of right now,
63
00:03:42.240 --> 00:03:44.979
that is still my bread and butter practice area, collections
64
00:03:45.000 --> 00:03:47.120
defense work. And you made a very good point. In
65
00:03:47.139 --> 00:03:50.860
today's world, with the economic circumstances coming out of the pandemic,
66
00:03:50.879 --> 00:03:52.719
a lot of people had to miss work or at
67
00:03:52.819 --> 00:03:56.129
minimum reduce their hours. And a lot of people prior
68
00:03:56.150 --> 00:03:59.229
to that were already living paycheck to paycheck. So, I mean,
69
00:03:59.289 --> 00:04:02.469
that just really compounded a lot of problems. So I
70
00:04:02.509 --> 00:04:05.210
work at a law firm called Gardie Litigation Group. It's
71
00:04:05.250 --> 00:04:07.449
based out of California, but like Jason says, we have
72
00:04:07.490 --> 00:04:10.129
a national presence there. And what we do is we
73
00:04:10.189 --> 00:04:15.240
specialize in assisting individuals who are being sued in collections
74
00:04:15.520 --> 00:04:19.279
lawsuits to defend them, to assert any defenses they may
75
00:04:19.319 --> 00:04:21.459
have available to them, and if they wish also to
76
00:04:21.600 --> 00:04:25.120
try to resolve these lawsuits on terms that the individual
77
00:04:25.180 --> 00:04:27.939
clients can afford. The thing is, a lot of people
78
00:04:27.980 --> 00:04:30.500
feel guilty when they're getting served with a lawsuit for
79
00:04:30.519 --> 00:04:34.240
the unpaid debt. They feel They want to blame themselves.
80
00:04:34.259 --> 00:04:36.100
They feel like they could have done things differently. And,
81
00:04:36.120 --> 00:04:40.740
you know, sometimes people get very lonely and they don't
82
00:04:40.759 --> 00:04:42.800
feel like they can talk to anybody. And just at
83
00:04:42.839 --> 00:04:45.199
minimum to sit down and have a consultation with us
84
00:04:45.240 --> 00:04:48.699
to just vent, talk about why you feel this way,
85
00:04:48.819 --> 00:04:52.170
what's going on. We're happy to listen to you at minimum.
86
00:04:52.290 --> 00:04:54.430
And then at that point in time, we can also analyze,
87
00:04:54.490 --> 00:04:57.149
do you have any defenses to this claim? Was it
88
00:04:57.209 --> 00:05:00.170
outside the statute of limitations, for instance? Is it a
89
00:05:00.269 --> 00:05:02.730
debt that was already paid? A lot of times when
90
00:05:02.750 --> 00:05:05.980
you're dealing with an emotionally charged situation, like going through
91
00:05:06.459 --> 00:05:09.759
being served with a lawsuit, you might not be able
92
00:05:09.800 --> 00:05:12.259
to even with a fine tooth comb, go through those
93
00:05:12.319 --> 00:05:15.839
documents and see, do I have any defenses? Is this correct?
94
00:05:16.019 --> 00:05:18.899
Are they suing for the right amount of money? So
95
00:05:19.000 --> 00:05:21.819
having an attorney that's trained in this area of the
96
00:05:21.860 --> 00:05:25.550
law is invaluable. When you're going through a situation like this,
97
00:05:25.750 --> 00:05:28.230
we can go to court for you. We deal with
98
00:05:28.250 --> 00:05:30.680
the judge. We deal with the other attorneys. A lot
99
00:05:30.689 --> 00:05:33.040
of people, in my experience, never been to court before.
100
00:05:33.079 --> 00:05:35.160
They're dealing with these things for the first time. Some
101
00:05:35.180 --> 00:05:37.279
people think you can go to jail for an unpaid debt.
102
00:05:37.319 --> 00:05:39.199
That's absolutely not true as well.
103
00:05:39.680 --> 00:05:44.439
So just when I get those phone calls for, you know, hey,
104
00:05:44.519 --> 00:05:47.550
you're delinquent on this. And, you know, if you don't
105
00:05:47.629 --> 00:05:50.769
pay the debt or your client doesn't pay the debt,
106
00:05:51.040 --> 00:05:52.720
You know, we can come arrest them and haul them
107
00:05:52.779 --> 00:05:54.600
off for jail. Wait, that's not legit?
108
00:05:55.420 --> 00:05:58.920
Not only is that not legit, but as you know, Jason,
109
00:05:59.019 --> 00:06:03.300
that is actually actionable under the FDCPA. And so on
110
00:06:03.319 --> 00:06:08.850
the flip side of just offending individuals from collections, lawsuits
111
00:06:08.910 --> 00:06:12.670
and collectors that are coming for legitimate debts, We also
112
00:06:12.709 --> 00:06:14.930
have another side to our practice where we can actually
113
00:06:14.949 --> 00:06:19.389
make the debt collectors pay if they're improperly attempting to
114
00:06:19.439 --> 00:06:22.720
collect the debt in violation of federal law. There are
115
00:06:22.740 --> 00:06:24.579
a lot of people don't know this, but there are laws,
116
00:06:24.699 --> 00:06:28.310
federal laws in place that prevent debt collectors from taking
117
00:06:28.410 --> 00:06:31.019
certain actions to collect the debt. In fact, they were
118
00:06:31.060 --> 00:06:34.410
just amended recently, as Jason and I talked about this
119
00:06:34.430 --> 00:06:38.230
a couple of months ago, that there are new protections
120
00:06:38.290 --> 00:06:39.689
in place and new rules that have been put in
121
00:06:39.730 --> 00:06:43.370
place by the Consumer Financial Protection Bureau that limit, again,
122
00:06:43.509 --> 00:06:45.769
what debt collectors can and cannot do. So it's a
123
00:06:45.810 --> 00:06:49.160
constantly changing area of the law, which is also why
124
00:06:49.220 --> 00:06:51.839
it pays to have an attorney that's knowledgeable in this
125
00:06:51.939 --> 00:06:56.000
area and can analyze your situation individually and, if necessary,
126
00:06:56.040 --> 00:06:59.819
give you white glove service to resolve any situation amicably.
127
00:07:00.360 --> 00:07:04.180
Now, Mitch, is there a charge for a consult if
128
00:07:04.220 --> 00:07:07.579
somebody is being threatened with a lawsuit or has actually
129
00:07:07.620 --> 00:07:10.550
been served with a lawsuit and they want to give
130
00:07:10.610 --> 00:07:13.310
you a call? Is there a charge for that consult?
131
00:07:13.689 --> 00:07:16.990
No, no. We do free consultations at Guardian Litigation Group.
132
00:07:17.029 --> 00:07:21.310
So I have some contact information. I definitely share it
133
00:07:21.350 --> 00:07:23.889
with you during the end of the show as well
134
00:07:23.949 --> 00:07:26.959
about a number you can call for free consultations. as
135
00:07:27.000 --> 00:07:30.160
well as our main office number and contact information. So
136
00:07:30.180 --> 00:07:31.839
if anybody can reach out to me, I can get
137
00:07:31.879 --> 00:07:34.120
you in the right direction as well. But no, and
138
00:07:34.839 --> 00:07:35.639
we're happy to do that.
139
00:07:35.750 --> 00:07:39.129
And there's the information right down there. Exactly.
140
00:07:39.209 --> 00:07:42.850
So please call this number if you have any questions
141
00:07:42.910 --> 00:07:44.750
about a potential issue that you're dealing with in a
142
00:07:44.750 --> 00:07:47.560
collections lawsuit. Feel free to share this with any family
143
00:07:47.600 --> 00:07:50.000
or friends that are going through the same situation. We're
144
00:07:50.040 --> 00:07:50.720
happy to help out.
145
00:07:51.129 --> 00:07:56.790
So Mitch, either quash an urban legend or confirm an
146
00:07:56.850 --> 00:07:59.769
urban legend. And by the way, the number that you
147
00:07:59.790 --> 00:08:02.329
can call for reaching Mitch is 800-316-3133. And his website
148
00:08:02.350 --> 00:08:02.889
is GuardianLit.com.
149
00:08:03.069 --> 00:08:04.129
www.GuardianLit.com.
150
00:08:04.250 --> 00:08:19.240
So... you get sued because you get behind on your
151
00:08:19.259 --> 00:08:21.620
credit card and oh my God, the world is over.
152
00:08:21.699 --> 00:08:24.220
The sky is falling. I'm going to have to file bankruptcy.
153
00:08:24.860 --> 00:08:25.519
True or false?
154
00:08:26.379 --> 00:08:30.759
That is false. That is false. So bankruptcy is definitely
155
00:08:31.120 --> 00:08:35.279
one of those options that you can consider. And sometimes
156
00:08:36.120 --> 00:08:38.659
it's the right move to make. Trust me, I have
157
00:08:38.700 --> 00:08:41.179
no trouble telling a client honestly based off of the
158
00:08:41.210 --> 00:08:44.029
amount of debt you have any potential protections you would
159
00:08:44.070 --> 00:08:47.100
have to that debt, your overall life situation, where you are,
160
00:08:47.149 --> 00:08:50.600
your age, your occupation status, your familial status, all of
161
00:08:50.629 --> 00:08:54.159
those factors considered. If bankruptcy is the right move for
162
00:08:54.200 --> 00:08:56.200
you to make, that's the right move to make. But
163
00:08:56.240 --> 00:08:58.320
that is not the only thing that you can do
164
00:08:58.899 --> 00:09:02.120
in order to deal with debt. There are two other options,
165
00:09:02.879 --> 00:09:05.080
the three major ones, bankruptcy being one, but there's two
166
00:09:05.139 --> 00:09:09.159
other options that individuals can consider in that situation. One
167
00:09:09.179 --> 00:09:12.350
of them is debt consolidations. That is where you apply
168
00:09:12.500 --> 00:09:15.129
for a big loan to pay off all of these
169
00:09:15.210 --> 00:09:18.710
small individual debts. You consolidate the debt into one debt
170
00:09:18.750 --> 00:09:21.950
consolidation loan, usually at an interest rate that can even
171
00:09:22.009 --> 00:09:25.059
be better and more effective for you than these asinine
172
00:09:25.159 --> 00:09:26.980
interest rates that credit cards are going to charge you.
173
00:09:27.460 --> 00:09:29.340
So that's one route you can go. And then you
174
00:09:29.360 --> 00:09:33.059
also have debt settlements. which is a program in which
175
00:09:33.220 --> 00:09:36.279
you enter into a program and commit to paying a
176
00:09:36.399 --> 00:09:40.019
monthly amount every single month, which goes into a savings
177
00:09:40.139 --> 00:09:43.259
escrow account for you. And over time, that money starts
178
00:09:43.330 --> 00:09:45.039
to grow to the point where you have enough money
179
00:09:45.090 --> 00:09:47.710
now to go to your individual creditors and say, hey,
180
00:09:48.110 --> 00:09:51.789
Bank of America, hey, Discover Bank, you have this debt
181
00:09:52.289 --> 00:09:56.029
for $ 5, 000. Will you take $ 2, 500 right now, take it
182
00:09:56.070 --> 00:09:57.970
or leave it to resolve this debt? And a lot
183
00:09:57.990 --> 00:10:00.809
of times, these creditors are willing to work and resolve
184
00:10:00.830 --> 00:10:03.450
these debts for cents on the dollar. But again, it
185
00:10:03.490 --> 00:10:07.240
also pays to know, you know, what creditors settle at
186
00:10:07.360 --> 00:10:11.120
what interest rates, what creditors are more litigious than other creditors.
187
00:10:11.179 --> 00:10:13.360
Is this creditor going to drag you to court? You know,
188
00:10:13.399 --> 00:10:15.159
what are the actions that they usually take? What is
189
00:10:15.200 --> 00:10:17.720
their game plan? What is their MO? So having an
190
00:10:17.799 --> 00:10:22.649
experienced debt settlement company is another thing I'd recommend to
191
00:10:23.080 --> 00:10:25.279
make sure that you're not being led down the wrong
192
00:10:25.299 --> 00:10:27.779
path because there's a lot of companies that do that work.
193
00:10:28.159 --> 00:10:30.600
But you can do research, like the Better Business Bureau
194
00:10:30.659 --> 00:10:32.340
is a good resource to go and make sure that
195
00:10:32.360 --> 00:10:36.389
you're hiring a reputable company in order to do debt
196
00:10:36.409 --> 00:10:39.809
settlement work. And just do your due diligence beforehand before
197
00:10:39.830 --> 00:10:41.490
you enter into a program like that. That would be
198
00:10:41.509 --> 00:10:43.429
the best advice I would give you. But to come
199
00:10:43.470 --> 00:10:46.169
full circle, yes, bankruptcy is not the only option that
200
00:10:46.190 --> 00:10:47.879
you have when you're dealing with that kind of debt.
201
00:10:48.820 --> 00:10:51.389
And this might be the toughest question I ask all day.
202
00:10:51.700 --> 00:10:55.279
What happens with some people are, you know, oh my God,
203
00:10:55.330 --> 00:10:57.789
if I file bankruptcy or if I do the debt consolidation,
204
00:10:57.850 --> 00:11:01.110
my credit score is going to take a hit. You know,
205
00:11:01.129 --> 00:11:03.590
chances are, if you're at that point, your credit score
206
00:11:03.629 --> 00:11:09.110
is probably on the lower side anyway. But, you know,
207
00:11:09.490 --> 00:11:12.730
is there any tie to the filing of the bankruptcy
208
00:11:12.830 --> 00:11:16.759
or working with an attorney like yourself to you know,
209
00:11:16.820 --> 00:11:18.759
the impact on credit scores?
210
00:11:20.080 --> 00:11:24.590
So credit is definitely a complicated subject in its own right.
211
00:11:24.610 --> 00:11:26.370
You're absolutely right in that that could be a difficult
212
00:11:26.409 --> 00:11:30.059
question to plausibly answer. And it's it's hard because there's
213
00:11:30.080 --> 00:11:32.519
a lot of factors that go into taking, taking a
214
00:11:32.559 --> 00:11:35.220
credit score snapshot of what would happen if I do
215
00:11:35.259 --> 00:11:37.679
this versus what would happen if I do that. Some
216
00:11:37.720 --> 00:11:40.259
people like myself and, and, you know, Jason, I don't,
217
00:11:40.399 --> 00:11:42.049
I mean, you also went to graduate school. You went
218
00:11:42.070 --> 00:11:44.870
to law school as well. School, school's not cheap. A
219
00:11:44.929 --> 00:11:48.210
lot of us have student loans and, you know, that,
220
00:11:48.289 --> 00:11:49.830
especially if you go to a graduate program that could
221
00:11:49.850 --> 00:11:53.019
be rather expensive, that, It's on your credit report that
222
00:11:53.039 --> 00:11:55.559
can adversely affect your credit report. If you have any
223
00:11:55.600 --> 00:11:57.820
sort of medical debt that can be on there as well.
224
00:11:58.100 --> 00:12:00.330
So it's really hard for me to say if you
225
00:12:00.370 --> 00:12:03.070
file bankruptcy, it's going to take X amount of years
226
00:12:03.129 --> 00:12:05.269
before it rebounds or you can expect it to get
227
00:12:05.309 --> 00:12:07.529
to a certain threshold at a certain period of time
228
00:12:08.149 --> 00:12:11.370
because there's so many other factors involved in that. And
229
00:12:11.409 --> 00:12:15.129
these the major credit bureaus, they look at rebounds. Many
230
00:12:15.210 --> 00:12:18.850
different facets of your reliability as a consumer and your
231
00:12:18.870 --> 00:12:22.139
inability to pay debts to really have a general rule
232
00:12:22.159 --> 00:12:25.659
of thumb. But I will say that the general understanding
233
00:12:25.720 --> 00:12:29.120
from a layman is that bankruptcy is a red stain
234
00:12:29.220 --> 00:12:30.940
on your credit and it'll be there for the rest
235
00:12:30.980 --> 00:12:33.230
of your life. And that is simply not true. There
236
00:12:33.330 --> 00:12:36.070
is a certain time period that bankruptcy will stay on
237
00:12:36.090 --> 00:12:39.620
your credit report, but over time it will elapse. And
238
00:12:40.120 --> 00:12:42.700
I have heard, and this is just anecdotally, but I
239
00:12:42.740 --> 00:12:44.629
have heard that a lot of consumers that have gone
240
00:12:44.649 --> 00:12:48.309
through the bankruptcy process A couple months after the discharge
241
00:12:48.649 --> 00:12:51.889
are already getting offers for credit cards in the mail because,
242
00:12:51.909 --> 00:12:55.629
you know, honestly, creditors these days understand that bankruptcies do happen.
243
00:12:56.009 --> 00:12:58.809
But that doesn't mean that you're completely undesirable from the
244
00:12:58.850 --> 00:13:01.990
lending standpoint. They're still willing to work with you. And
245
00:13:02.009 --> 00:13:03.980
there are different strategies you can take if you want
246
00:13:04.000 --> 00:13:06.679
to build your credit without bankruptcy as just in general
247
00:13:06.720 --> 00:13:09.440
for credit building. But the question being, you know, will
248
00:13:09.480 --> 00:13:12.620
bankruptcy stain your credit permanently? Absolutely not. It will not
249
00:13:12.659 --> 00:13:14.220
be a permanent issue on your credit.
250
00:13:15.100 --> 00:13:15.279
Yep.
251
00:13:15.379 --> 00:13:17.879
And what about if you, you know, you work with
252
00:13:17.919 --> 00:13:21.399
an attorney like yourself and you decide that bankruptcy isn't
253
00:13:21.419 --> 00:13:23.179
the right path and you're going to go ahead and
254
00:13:23.200 --> 00:13:26.480
try to work out a settlement on some outstanding debts?
255
00:13:26.899 --> 00:13:31.049
You know, I'm guessing that that again, your credit probably
256
00:13:31.070 --> 00:13:33.289
already took a hit because you're late on your payments
257
00:13:33.330 --> 00:13:35.590
and there's nothing that you could do. But, you know,
258
00:13:35.669 --> 00:13:39.450
when you resolve these outstanding issues, that's when you have
259
00:13:39.470 --> 00:13:45.220
the opportunity to start fixing, rebuilding, or increasing your credit
260
00:13:45.250 --> 00:13:46.940
score would be my guess, correct?
261
00:13:47.259 --> 00:13:50.899
That is correct. From the debt settlement standpoint, especially, because
262
00:13:51.379 --> 00:13:54.460
for individuals that end up going that route, you need
263
00:13:54.480 --> 00:13:57.320
to understand that building your credit back up is a very,
264
00:13:57.360 --> 00:13:59.899
very long road. And there are different parts of that
265
00:14:00.080 --> 00:14:02.929
trip down the road that need to be taken care of.
266
00:14:03.370 --> 00:14:06.110
Debt settlement is like the very start of that. You
267
00:14:06.149 --> 00:14:09.230
have all of these debts. They're reported adversely on your credit.
268
00:14:10.059 --> 00:14:12.919
Even if those weren't there, your credit may be not
269
00:14:13.080 --> 00:14:15.230
as stellar as you would like it to be. And
270
00:14:15.309 --> 00:14:17.909
so strategically, there are different things you would do at
271
00:14:17.970 --> 00:14:22.149
different points down that road to maximize your ability to
272
00:14:22.190 --> 00:14:24.799
get a better credit score. Now, debt settlement is a
273
00:14:24.840 --> 00:14:27.950
way to individually resolve these debts individually. just to get
274
00:14:28.000 --> 00:14:30.950
them wiped out and have them reported as paid on
275
00:14:30.970 --> 00:14:33.509
your credit report, which will definitely give you a nice boost.
276
00:14:34.090 --> 00:14:36.500
After that debt is taken care of, then you can
277
00:14:36.529 --> 00:14:39.399
employ different strategies that you can use in order to
278
00:14:39.440 --> 00:14:42.320
build your credit up and maximize that as much as
279
00:14:42.340 --> 00:14:45.690
you possibly can. So, yeah, it's definitely one step in
280
00:14:45.710 --> 00:14:48.490
the process. You know, credit is there. Again, there's a
281
00:14:48.509 --> 00:14:50.629
lot of companies that deal with just building your credit.
282
00:14:50.970 --> 00:14:54.529
But what I do, I usually work with individuals that
283
00:14:54.549 --> 00:14:57.230
are right at the beginning of that road, right? Starting
284
00:14:57.269 --> 00:14:59.309
at the starting line as far as how do they
285
00:14:59.450 --> 00:15:01.990
repair their credit, build their credit back up. And it's
286
00:15:02.029 --> 00:15:04.529
not a very pretty process, but it definitely is a
287
00:15:04.649 --> 00:15:07.049
boost and a good start on that long road to
288
00:15:07.250 --> 00:15:08.220
building your credit back up.
289
00:15:08.860 --> 00:15:12.860
Now, Mitch, you said that you're based out of St. Augustine, Florida. Yes,
290
00:15:12.879 --> 00:15:15.649
I am. you're licensed here in the state of Florida.
291
00:15:15.889 --> 00:15:16.629
Yes.
292
00:15:17.090 --> 00:15:20.409
But you work with clients that are in other states.
293
00:15:20.470 --> 00:15:21.889
Is that correct? Yes.
294
00:15:22.090 --> 00:15:24.649
So my law firm, a number of attorneys that are
295
00:15:24.690 --> 00:15:28.870
licensed across the country in different jurisdictions. I'm very lucky
296
00:15:28.909 --> 00:15:31.769
to be the director of litigation at this law firm.
297
00:15:31.809 --> 00:15:34.509
So I actually get to work with my associate attorneys
298
00:15:34.710 --> 00:15:38.000
and help guide them and give them advice on how
299
00:15:38.039 --> 00:15:41.120
to deal with the state-specific issues that they encounter doing
300
00:15:41.159 --> 00:15:44.409
work in their individual states. So it is fascinating to
301
00:15:44.470 --> 00:15:48.070
see how different these lawsuits can be, different laws themselves
302
00:15:48.110 --> 00:15:51.490
can be, what exemptions apply from state to state, because
303
00:15:51.529 --> 00:15:54.169
it does vary immensely. There are certain states that are
304
00:15:54.240 --> 00:15:56.559
very different from Florida, Jason, as you know, with all
305
00:15:56.600 --> 00:15:59.840
of the litigation you've done and federal courts you're licensed
306
00:15:59.860 --> 00:16:03.720
in across the country. So it's fascinating and it keeps
307
00:16:03.740 --> 00:16:06.240
you on your toes because you're going to see something
308
00:16:06.279 --> 00:16:08.379
different every single day if you're in Kansas, if you're
309
00:16:08.399 --> 00:16:10.519
in Texas, if you're in Tennessee, if you're in New Jersey,
310
00:16:10.539 --> 00:16:12.399
if you're in California. And we work in all of
311
00:16:12.440 --> 00:16:15.820
those states. So it's really, really interesting. But yes, we
312
00:16:15.840 --> 00:16:18.870
do have a national presence. So there's a good chance
313
00:16:18.899 --> 00:16:20.549
that if you're having an issue and you're watching this
314
00:16:20.590 --> 00:16:22.370
in another state or you have someone in another state
315
00:16:22.429 --> 00:16:25.690
other than Florida, that having or having an issue with collections,
316
00:16:26.029 --> 00:16:27.830
you know, if we can't help you, we could definitely
317
00:16:27.850 --> 00:16:30.129
at least point you in the right direction. So very,
318
00:16:30.169 --> 00:16:30.990
very happy to help out.
319
00:16:31.570 --> 00:16:36.350
Now, were you a national law firm before COVID pandemic
320
00:16:36.590 --> 00:16:40.009
or is is was that something that was just, you know,
321
00:16:40.029 --> 00:16:42.690
a knee jerk reaction to the pandemic?
322
00:16:43.710 --> 00:16:47.289
So this actually we existed before the pandemic. Guardian litigation
323
00:16:47.309 --> 00:16:51.529
group The presence over time has grown. And because we
324
00:16:51.580 --> 00:16:55.419
have a number of attorneys, in fact, 95% of our
325
00:16:55.460 --> 00:16:59.179
attorney team, in-house attorney team, works remotely across the country,
326
00:16:59.220 --> 00:17:02.080
scattered in different states. And the main office is back
327
00:17:02.120 --> 00:17:05.809
in California. But we have grown the law firm. We've
328
00:17:05.829 --> 00:17:09.549
been scaling the firm up. And the need of our
329
00:17:09.630 --> 00:17:14.170
services was definitely increased by the COVID pandemic because of
330
00:17:14.210 --> 00:17:16.019
what we talked about right at the beginning of the show.
331
00:17:16.440 --> 00:17:18.930
which is that unfortunately, a lot of people suffered economically
332
00:17:18.970 --> 00:17:21.690
during that time period. And it's really changed the legal
333
00:17:21.730 --> 00:17:25.210
landscape and the practice areas that are offered. So we
334
00:17:25.230 --> 00:17:27.849
put ourselves in a good position and we've been scaling
335
00:17:27.910 --> 00:17:30.809
the firm up appropriately since then to keep up with
336
00:17:30.829 --> 00:17:34.009
the demand of all of the adverse economic effects that
337
00:17:34.029 --> 00:17:35.309
took place because of the pandemic.
338
00:17:35.990 --> 00:17:37.609
What other areas do you guys do?
339
00:17:38.160 --> 00:17:41.009
So we also do, I mentioned previously, in addition to
340
00:17:41.049 --> 00:17:44.470
collections defense, we also do analysis for claims under the
341
00:17:44.569 --> 00:17:48.470
Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
342
00:17:49.069 --> 00:17:51.569
But we also do some employment law and some estate
343
00:17:51.609 --> 00:17:55.480
planning as well. And we are exploring possibilities of maybe
344
00:17:55.519 --> 00:17:57.680
getting into some different practice areas right now. But because
345
00:17:57.700 --> 00:18:01.220
we've built a very strong infrastructure and network of attorneys
346
00:18:01.779 --> 00:18:04.640
in a national presence, the sky is the limit as
347
00:18:04.680 --> 00:18:07.359
far as where this firm can go. It's a great
348
00:18:07.440 --> 00:18:10.700
firm to work for. It's a young firm. It's being
349
00:18:10.759 --> 00:18:14.240
developed very well. We have great leadership at the top.
350
00:18:14.839 --> 00:18:17.400
It's very exciting because remote law firms in and of
351
00:18:17.440 --> 00:18:20.039
themselves are a very new trend, as you know, Jay.
352
00:18:20.079 --> 00:18:23.599
And it's really interesting to see how commonplace it is
353
00:18:23.640 --> 00:18:26.599
now because law partners from 20, 30 years ago would
354
00:18:26.640 --> 00:18:29.759
probably be spinning if they thought that, you know, 20,
355
00:18:29.759 --> 00:18:33.079
30 years later, not only would we be working from home,
356
00:18:33.119 --> 00:18:36.319
we'd also be appearing in court from our home. And,
357
00:18:36.420 --> 00:18:39.160
you know, with technology these days, you know, Jason and
358
00:18:39.259 --> 00:18:41.680
I can go to court from our own bedrooms if
359
00:18:41.720 --> 00:18:44.329
we wanted to, because of the technology we have in place.
360
00:18:44.410 --> 00:18:46.089
And God knows we probably have done that a couple
361
00:18:46.130 --> 00:18:46.450
of times.
362
00:18:47.390 --> 00:18:49.849
Never from my bedroom.
363
00:18:49.869 --> 00:18:50.730
Never from the bedroom.
364
00:18:50.990 --> 00:18:55.349
I mean, yesterday I was in two different jurisdictions in
365
00:18:55.390 --> 00:18:58.539
two different states on the same day. Three, actually. Who
366
00:18:58.559 --> 00:19:01.000
would have thought, you know, that that's the way that
367
00:19:01.079 --> 00:19:03.779
we were going. And, you know, look, I was you
368
00:19:03.819 --> 00:19:05.980
knew this. I was in the office six days a
369
00:19:06.019 --> 00:19:09.329
week and the seventh day I work off my kitchen table.
370
00:19:09.670 --> 00:19:11.490
You know, now I go in one day a week
371
00:19:11.509 --> 00:19:13.990
because I want to check my mail. Right. Well, Mitch,
372
00:19:14.309 --> 00:19:18.170
I believe you're fully remote, you know, unless you you know,
373
00:19:18.190 --> 00:19:21.009
you might have an office still. But, you know, it's
374
00:19:21.750 --> 00:19:25.549
it's this is this is the new way of doing it. And,
375
00:19:25.609 --> 00:19:29.490
you know, we still try to have. face-to-face meetings with clients.
376
00:19:29.569 --> 00:19:32.839
We still try to accommodate the needs of others. But
377
00:19:33.180 --> 00:19:38.519
these days between text, email, Zoom, Google Meets, whatever platform
378
00:19:38.539 --> 00:19:43.119
you use, you could do anything from anywhere. And that
379
00:19:43.200 --> 00:19:47.150
seems to be it. So it's good and bad. And
380
00:19:47.329 --> 00:19:49.630
we'll talk about the good and bad when we come
381
00:19:49.670 --> 00:19:51.809
back from a commercial break. We're going to jump for
382
00:19:51.829 --> 00:19:55.089
a commercial break to hear some of our wonderful sponsors.
383
00:19:55.450 --> 00:19:57.299
And when we're back, we'll talk about the good, the bad,
384
00:19:57.339 --> 00:20:01.740
the ugly on Zoom. And I will plug my own
385
00:20:02.319 --> 00:20:05.460
coffee where I will be giving away free coffee where
386
00:20:05.539 --> 00:20:09.220
all you need to do is email me. So Stay tuned,
387
00:20:09.819 --> 00:20:11.440
and let's hear our wonderful commercial.
388
00:20:12.279 --> 00:20:17.789
Welcome to GoingSoloTravelers.com. Going Solo Travelers is about connecting, making
389
00:20:17.849 --> 00:20:22.609
new friends, exploring, and enjoying new fun times together. Laughter
390
00:20:22.650 --> 00:20:25.710
and the excitement of seeing and exploring something new creates
391
00:20:25.769 --> 00:20:30.130
memories that will last forever. Come join us on GoingSoloTravelers.com.
392
00:20:31.369 --> 00:20:33.970
Hello, I'm Cece Schatz, and I'd like to welcome you
393
00:20:34.009 --> 00:20:38.769
to Going Solo Network. Number one, complete singles connection. We
394
00:20:38.829 --> 00:20:42.450
strive to connect singles in a positive and fun way. Together,
395
00:20:42.529 --> 00:20:46.410
singles will begin to make new and lasting friendships, learn
396
00:20:46.450 --> 00:20:50.029
more about themselves, and embrace our new today lifestyle of
397
00:20:50.109 --> 00:20:53.769
going solo. Being single doesn't mean you have to be alone,
398
00:20:53.890 --> 00:20:56.650
and you can live a full, fun life, bringing your
399
00:20:56.670 --> 00:21:00.700
vibration to a higher level of attraction. Going Solo Network
400
00:21:00.779 --> 00:21:05.130
is an interactive social support singles community that with several
401
00:21:05.170 --> 00:21:10.670
platforms helping singles connect with other like-minded individuals. We cover
402
00:21:10.730 --> 00:21:16.710
things like relationship loss, divorce recovery, embracing being single, single parenting,
403
00:21:17.109 --> 00:21:23.640
restructuring relationships, relationship building, transition into dating, and dating itself,
404
00:21:24.319 --> 00:21:29.119
solo in business, and going solo travelers. Be sure to
405
00:21:29.180 --> 00:21:34.220
join our private and exclusive fun interactive websites. designed for
406
00:21:34.279 --> 00:21:38.039
singles today who want to begin to embrace living and
407
00:21:38.119 --> 00:21:41.099
enjoying the space they're in. Together we will learn to
408
00:21:41.220 --> 00:21:44.079
open our hearts, our minds. We will begin to share
409
00:21:44.140 --> 00:21:47.670
and connect with others while exploring our personal life goals
410
00:21:48.009 --> 00:21:50.869
as we begin to make a place in our new life.
411
00:21:51.430 --> 00:21:54.049
We will start to move forward in going solo to
412
00:21:54.190 --> 00:21:57.789
actually living our best lives. Going solo doesn't mean you
413
00:21:57.809 --> 00:22:03.049
have to be alone. Today, together, let's begin changing your life. Today,
414
00:22:03.190 --> 00:22:06.390
join the singles at Going Solo Network and start to
415
00:22:06.450 --> 00:22:11.779
live your new life. I'll see you there on GoingSoloNetwork.com.
416
00:22:12.740 --> 00:22:16.640
We are back. This is Jason Weiss on Ask Jason Weiss.
417
00:22:16.960 --> 00:22:20.079
And I am honored to have with me Mitchell Ortega,
418
00:22:20.400 --> 00:22:25.059
who is the Debt Collection Defense Attorney. who will help
419
00:22:25.099 --> 00:22:28.009
you all out. So before we broke, I said that
420
00:22:28.029 --> 00:22:30.910
I would talk to you about coffee, fresh roasted coffee.
421
00:22:32.130 --> 00:22:35.170
You can hear it for the radio people. And I will,
422
00:22:35.950 --> 00:22:40.309
I promise you it smells good. I'm back to roasting
423
00:22:41.569 --> 00:22:44.670
and brewing my own coffee. And all you need to
424
00:22:44.710 --> 00:22:47.990
do is shoot me an email and my email address
425
00:22:48.210 --> 00:22:59.470
of jason at jswlawyer.com. or jason at askjasonweiss.com. Put in
426
00:22:59.509 --> 00:23:01.990
the subject line coffee. I just need to know if
427
00:23:02.029 --> 00:23:06.450
you want it ground or whole bean and a mailing address.
428
00:23:06.829 --> 00:23:08.809
And I'd be more than happy. And all I ask
429
00:23:08.849 --> 00:23:13.049
for is honest feedback on what you think. Now I'm
430
00:23:13.109 --> 00:23:16.390
still ordering these beans from companies and roasting them and
431
00:23:16.710 --> 00:23:19.349
making them my own, but I do have some coffee
432
00:23:19.410 --> 00:23:23.359
trees that are growing in my backyard and Hopefully they
433
00:23:23.380 --> 00:23:27.500
will produce some bean and I can't wait to roast
434
00:23:27.619 --> 00:23:30.099
and drink my own coffee. And it's funny, I'm not
435
00:23:30.119 --> 00:23:33.180
even a coffee drinker. I'd rather an energy drink any day,
436
00:23:33.240 --> 00:23:37.440
but I got to drink my own product and it's delicious.
437
00:23:37.480 --> 00:23:40.190
So again, if you want coffee, just send me an
438
00:23:40.230 --> 00:23:45.789
email saying coffee, send it to jason at askjasonweiss.com. And
439
00:23:45.930 --> 00:23:49.869
I will ship you a sample of either whole or
440
00:23:49.890 --> 00:23:54.250
ground coffee. And all I ask for is honest feedback.
441
00:23:54.289 --> 00:23:57.230
There's no catch. I'm shipping it to you for free.
442
00:23:57.630 --> 00:24:02.539
It will arrive just like this. So back to other things.
443
00:24:03.039 --> 00:24:07.819
We're talking about virtual law firms and the practice of law.
444
00:24:08.279 --> 00:24:11.079
And Mitch, you're a good chunk of years out of
445
00:24:11.180 --> 00:24:14.339
law school, not an old guy like me, but you've
446
00:24:14.359 --> 00:24:17.839
been out. And you did say that you're working with
447
00:24:18.480 --> 00:24:21.869
some younger attorneys and associate attorneys. And if if I
448
00:24:21.930 --> 00:24:25.210
implied that that meant they were younger, associate meaning, you know,
449
00:24:25.250 --> 00:24:27.849
that they answer to a partner as opposed to a
450
00:24:27.910 --> 00:24:31.329
colleague or type. So basically the question is, you know,
451
00:24:31.630 --> 00:24:35.779
you got kids graduating from college, not knowing what to do,
452
00:24:36.259 --> 00:24:39.460
kids graduating from law school, you know, not knowing what
453
00:24:39.500 --> 00:24:44.519
to do. Based on today's environment, you know, and you
454
00:24:44.559 --> 00:24:46.359
and I aren't in law school and I'm not teaching
455
00:24:46.420 --> 00:24:49.799
on that level right now, what changes do you think
456
00:24:49.819 --> 00:24:55.019
law school's should be making with regard to, you know,
457
00:24:55.119 --> 00:24:56.059
how they teach things?
458
00:24:57.079 --> 00:25:00.420
Well, and I think this transition is already starting to begin,
459
00:25:00.559 --> 00:25:05.509
but because technology is so influential on the practice of law,
460
00:25:06.009 --> 00:25:09.730
I would love to see law schools change their courses
461
00:25:09.849 --> 00:25:16.029
to accommodate the change of technological standpoint and just the
462
00:25:16.089 --> 00:25:18.950
situation we're in as far as using, you know, Client
463
00:25:19.150 --> 00:25:25.829
relations management software, for instance. Legal billing software. Legal bookkeeping software.
464
00:25:26.150 --> 00:25:27.950
These are all things, especially those who are coming out
465
00:25:27.990 --> 00:25:30.119
of law school and hanging their own shingle. You know,
466
00:25:30.279 --> 00:25:32.839
that is... you know, a skill set that you're going
467
00:25:32.859 --> 00:25:34.319
to have to learn on your own. And if you
468
00:25:34.359 --> 00:25:37.099
had like even an elective class in law school that
469
00:25:37.140 --> 00:25:40.890
sort of introduced you to some of the larger software
470
00:25:40.950 --> 00:25:43.569
companies out there and got you up to speed on
471
00:25:44.130 --> 00:25:46.069
how to use it, you know, if you come into
472
00:25:46.089 --> 00:25:47.569
a law firm, whether you're hanging out at your own
473
00:25:47.609 --> 00:25:49.559
shingle or going to a law firm where you're responsible
474
00:25:49.579 --> 00:25:52.900
for billing 2,200 hours a year, and you need to
475
00:25:52.940 --> 00:25:55.440
know how to input it efficiently because you can't waste
476
00:25:55.599 --> 00:25:58.740
any time whatsoever. Having a little bit of background in
477
00:25:58.779 --> 00:26:00.859
how to use that software, I think would be fantastic
478
00:26:00.900 --> 00:26:03.359
and a good skill set for law students that have
479
00:26:03.579 --> 00:26:06.640
coming out of law school. That and then just making
480
00:26:06.680 --> 00:26:08.599
sure they're hitting all the substance of what you're going
481
00:26:08.619 --> 00:26:10.799
to be tested on the bar exam. And those are
482
00:26:10.839 --> 00:26:14.119
probably the two big things. And obviously the latter is
483
00:26:14.230 --> 00:26:16.769
already given a great deal of priority, but it becomes
484
00:26:17.069 --> 00:26:19.789
infinitely more important because I also coming out of law
485
00:26:19.809 --> 00:26:22.710
school for a have seen individuals that were in the
486
00:26:22.750 --> 00:26:25.990
same classes as me that weren't able to really pass
487
00:26:26.039 --> 00:26:29.940
that bar exam. And it's unfortunate because you're earning potential.
488
00:26:29.980 --> 00:26:32.180
The reason why you went to law school and the
489
00:26:32.720 --> 00:26:34.980
value you were supposed to get with all of that blood, sweat,
490
00:26:35.000 --> 00:26:36.740
and tears you put into it, you're not going to
491
00:26:36.859 --> 00:26:41.880
ever fully realize your potential earning-wise if you don't pass
492
00:26:41.920 --> 00:26:44.660
that bar. So that has always got to be the
493
00:26:44.759 --> 00:26:47.880
starting point. That is the first, second, and last thing
494
00:26:47.960 --> 00:26:50.599
that they need to prioritize in the grand scheme of things.
495
00:26:51.019 --> 00:26:53.559
But if you're asking me another skill set, I think technology.
496
00:26:53.579 --> 00:26:56.230
That's not something that was focused in my law school curriculum.
497
00:26:56.690 --> 00:26:58.069
And that's something I sort of had to get a
498
00:26:58.089 --> 00:27:00.470
crash course as I've been practicing myself.
499
00:27:01.410 --> 00:27:04.289
Yeah. And I know we work together on some technology
500
00:27:04.329 --> 00:27:07.289
stuff and all of that. And, you know, so one
501
00:27:07.309 --> 00:27:09.200
of the things that I'm doing right now with Ask
502
00:27:09.240 --> 00:27:13.880
Jason Weiss is a couple of my newer clients and
503
00:27:14.019 --> 00:27:17.700
people that just signed on with me. I'm basically, you know,
504
00:27:18.099 --> 00:27:21.799
teaching them, and I call it the stuff, and I
505
00:27:21.900 --> 00:27:23.599
use another word, but I don't want to put it
506
00:27:23.660 --> 00:27:27.160
on the radio airwaves, the stuff they never taught you
507
00:27:27.200 --> 00:27:31.130
in law school, such as how to deal with a
508
00:27:31.180 --> 00:27:34.430
judge that's not particularly fond of you for some reason,
509
00:27:34.529 --> 00:27:38.690
how to deal with an opposing counsel that is just
510
00:27:39.009 --> 00:27:43.730
uncontrollable and a lunatic, how to, you know, deal with
511
00:27:44.200 --> 00:27:47.420
a client that can never be satisfied, how to deal
512
00:27:47.460 --> 00:27:50.710
with a client that's not responsive. I mean, Mitch, you
513
00:27:50.750 --> 00:27:56.289
and I could come up with 100,000 different scenarios. And
514
00:27:56.670 --> 00:28:01.630
that's one of the wonderful things. I'm technically a solo practitioner,
515
00:28:01.650 --> 00:28:04.559
but I've always had, not always, but since Mitch is
516
00:28:04.880 --> 00:28:07.759
a licensed attorney, ever since he's in law school, actually,
517
00:28:08.440 --> 00:28:10.440
a sounding block, somebody to call up, Mitch, let me
518
00:28:10.480 --> 00:28:12.559
run this by you. Sure, Jay, no problem. And we
519
00:28:12.599 --> 00:28:14.430
run it by, or I'll get a phone call. Hey, Jay,
520
00:28:14.450 --> 00:28:16.529
you got five minutes. I want to run this by you.
521
00:28:16.650 --> 00:28:20.099
And and that's a great thing. And, you know, I
522
00:28:20.140 --> 00:28:24.640
can't stress it enough for younger attorneys, older attorneys, any attorneys.
523
00:28:24.980 --> 00:28:28.140
You need someone there to bounce it off of someone
524
00:28:28.180 --> 00:28:31.720
who's been through it before. You know, look, would I
525
00:28:31.740 --> 00:28:35.289
be calling Mitch on something outside of his practice realm?
526
00:28:35.710 --> 00:28:39.069
Probably not. But would I be calling him for something
527
00:28:39.390 --> 00:28:42.309
in the litigation world, in a transactional world, in a
528
00:28:42.450 --> 00:28:43.230
credit card world?
529
00:28:43.700 --> 00:28:43.940
Yes.
530
00:28:44.319 --> 00:28:46.619
A hundred percent. I mean, Mitch and I were talking
531
00:28:47.019 --> 00:28:49.420
right before we got on and I have a matter
532
00:28:49.480 --> 00:28:52.460
in North Carolina. I'm not a North Carolina barred attorney.
533
00:28:52.990 --> 00:28:55.690
I'm not going to try to be like pro hoc
534
00:28:55.809 --> 00:28:58.970
in and help, but I need an attorney in North Carolina.
535
00:28:59.609 --> 00:29:01.670
Mitch is like, Hey, give me, give me a couple hours.
536
00:29:01.730 --> 00:29:03.710
I'm sure I got somebody. I can get you his
537
00:29:03.750 --> 00:29:06.579
or her name and we'll go from there. And, and that's,
538
00:29:06.970 --> 00:29:08.759
that's the kind of stuff they don't teach you in
539
00:29:08.799 --> 00:29:11.980
law school. In law school, they teach you very black
540
00:29:12.039 --> 00:29:15.380
and white. Um, It's funny. I remember one of the
541
00:29:15.460 --> 00:29:18.440
first things I ever read from Mitch that he ever
542
00:29:18.500 --> 00:29:21.720
did when he was a clerk, it was well-written. It
543
00:29:21.759 --> 00:29:25.849
was well thought of, but the problem was that it
544
00:29:25.880 --> 00:29:28.950
was kind of, well, if you go this route, this,
545
00:29:29.349 --> 00:29:33.309
and if you went that route, that. As attorneys, and Mitch,
546
00:29:33.369 --> 00:29:36.349
you can chime in at any time. as attorneys, we're
547
00:29:36.369 --> 00:29:39.819
there to advocate for our clients. And when our clients say,
548
00:29:39.880 --> 00:29:41.539
this is what I need and this is what's got
549
00:29:41.559 --> 00:29:46.039
to get done, you can't say no. You say, okay, well,
550
00:29:46.079 --> 00:29:48.339
I might not be able to do it the exact
551
00:29:48.380 --> 00:29:50.400
way you want it, but we could try this way
552
00:29:50.420 --> 00:29:51.900
or we could try this way or we could try
553
00:29:51.920 --> 00:29:55.480
this or we could try that. And you find a solution.
554
00:29:55.539 --> 00:29:57.640
Just going back to your client saying it's impossible to
555
00:29:57.900 --> 00:30:00.630
get done, it's not going to fire you. you're done.
556
00:30:01.630 --> 00:30:05.990
And it's not impossible. It might not be possible the
557
00:30:06.029 --> 00:30:08.650
way they want it, but we've got to put on
558
00:30:08.730 --> 00:30:12.180
our creative hats. And I think that's a little bit
559
00:30:12.220 --> 00:30:15.299
of what we do. I think we're creative writers. I
560
00:30:15.319 --> 00:30:18.980
think we're creative thinkers. I think we're counselors. I think
561
00:30:19.019 --> 00:30:22.180
we're social workers. I think we're a shoulder to cry on.
562
00:30:22.819 --> 00:30:24.859
And a lot of times people don't realize we're also
563
00:30:24.920 --> 00:30:28.180
human beings. And I say this to opposing councils and
564
00:30:28.460 --> 00:30:31.640
co-councils all the time. Look, As a human being, as
565
00:30:31.680 --> 00:30:34.529
a man, as a father, this is what it is.
566
00:30:34.769 --> 00:30:39.230
As an attorney, this is what it is. And we
567
00:30:39.289 --> 00:30:44.200
can't be defined as ESQ or attorney. And I think
568
00:30:44.240 --> 00:30:45.579
that's very important.
569
00:30:46.259 --> 00:30:48.359
I would just like to comment on what you just said, Jay.
570
00:30:48.579 --> 00:30:51.279
I also think you can add juggler to that list.
571
00:30:51.319 --> 00:30:54.819
We are professional jugglers because we have to juggle so
572
00:30:54.940 --> 00:30:57.480
many things. We're clowns, basically. I think that's the best
573
00:30:57.500 --> 00:30:59.559
way to put it. We're clowns just without the noses.
574
00:30:59.819 --> 00:31:02.500
So we have to juggle expectations. We have to juggle
575
00:31:02.539 --> 00:31:05.440
our clients, what they want, what they would be okay with.
576
00:31:06.180 --> 00:31:08.519
Sometimes we have to counsel our clients to not let
577
00:31:08.559 --> 00:31:10.980
be perfect be the enemy of good. If I can
578
00:31:11.029 --> 00:31:13.450
give you 75% of what you want, that's usually a
579
00:31:13.470 --> 00:31:18.029
lot better than you would have gotten anyway. But everybody's different.
580
00:31:18.130 --> 00:31:19.529
And at the end of the day, clients can make
581
00:31:19.569 --> 00:31:23.089
those decisions. They can decide from the big picture realm,
582
00:31:23.329 --> 00:31:26.269
what do you want? And they could change their mind.
583
00:31:26.369 --> 00:31:28.450
And our job is just to give it to them straight.
584
00:31:28.509 --> 00:31:30.859
We're not going to promise them hopes and dreams. We're
585
00:31:30.880 --> 00:31:33.200
not magicians with a magic wand. We can't make everything
586
00:31:33.220 --> 00:31:36.519
go away or come. But we can tell you. What
587
00:31:36.880 --> 00:31:39.799
what is the legal ramifications of your actions? What does
588
00:31:39.839 --> 00:31:42.180
this mean? What is likely to happen? And what isn't
589
00:31:42.279 --> 00:31:45.240
our best what we think is in their best interest? And,
590
00:31:45.420 --> 00:31:47.960
you know, and lawyers, we don't have the luxury of
591
00:31:48.299 --> 00:31:49.720
doing what we want to do. We have to do
592
00:31:49.740 --> 00:31:51.420
what we have to do. A lot of people don't
593
00:31:51.440 --> 00:31:54.289
understand that either. Our hands are tied. We can only
594
00:31:54.329 --> 00:31:57.690
consider your best interest by law. Ethically, it would be
595
00:31:57.710 --> 00:32:00.269
a you know, we could get in trouble, frankly, with
596
00:32:00.289 --> 00:32:03.829
our local bar employees. If we were giving advice that
597
00:32:03.890 --> 00:32:06.769
we thought was just the best for any other entity
598
00:32:06.809 --> 00:32:09.369
or any other person other than our client. So we
599
00:32:09.450 --> 00:32:11.509
always are looking out for our clients. But yes, I
600
00:32:11.549 --> 00:32:13.029
think you can add Django to that list. And if
601
00:32:13.089 --> 00:32:15.089
I could give for the first issue you brought up,
602
00:32:15.259 --> 00:32:19.660
you know, communicating with opposing counsel and communicating with judges
603
00:32:19.720 --> 00:32:24.039
and communicating with clients is probably the biggest thing you'll
604
00:32:24.140 --> 00:32:26.700
learn out of law school because there is no class
605
00:32:26.740 --> 00:32:31.140
about that whatsoever. And in my experience watching us experience
606
00:32:31.180 --> 00:32:34.369
attorneys like Jason and other attorneys over the years, if
607
00:32:34.509 --> 00:32:37.049
I could come up with any philosophy for how to
608
00:32:37.150 --> 00:32:39.730
approach that, especially for young attorneys fresh out of law school,
609
00:32:40.130 --> 00:32:42.950
it is to be authentic. It is to be yourself.
610
00:32:43.410 --> 00:32:45.509
Don't think just because you now have an ESQ at
611
00:32:45.529 --> 00:32:47.950
the end of your name, you're somebody else. You're a
612
00:32:47.990 --> 00:32:51.910
big shot. You're entitled to anything. Just be yourself. Approach
613
00:32:51.950 --> 00:32:54.450
it with your own personality. Don't have to pretend to
614
00:32:54.490 --> 00:32:58.559
be anybody. Lawyers are smart people. We gravitate toward authenticity.
615
00:32:58.599 --> 00:33:03.099
We know if somebody's posturing or bluffing or sticking their
616
00:33:03.140 --> 00:33:05.380
chest out just to try to be intimidating. We could
617
00:33:05.420 --> 00:33:08.180
see that from a mile away, especially seasoned attorneys. The
618
00:33:08.220 --> 00:33:09.920
best thing you could do to get respect from the
619
00:33:10.220 --> 00:33:12.539
judges you're in front of, the opposing counsels you're against,
620
00:33:12.599 --> 00:33:14.829
and even your own clients is just to be yourself.
621
00:33:15.119 --> 00:33:16.789
That's the best advice that I could give.
622
00:33:17.230 --> 00:33:19.450
And I was there for the first time Mitch ever
623
00:33:19.609 --> 00:33:20.450
argued in court.
624
00:33:21.190 --> 00:33:22.009
Oh, come on, Jeff.
625
00:33:22.289 --> 00:33:25.490
And one of the things that we both picked up on, admittedly,
626
00:33:25.549 --> 00:33:29.250
was his arguments were great. His reasonings were sound, but
627
00:33:29.289 --> 00:33:33.630
he blew through them so fast. And once we slowed
628
00:33:33.690 --> 00:33:37.599
him down, it was no holding him back. So we
629
00:33:37.680 --> 00:33:41.660
slowed him down and he just bursted onto the scenes.
630
00:33:42.079 --> 00:33:45.700
And it was awesome. And I'm still excited to watch you.
631
00:33:46.039 --> 00:33:49.579
So excited to see. So excited to talk and do
632
00:33:49.619 --> 00:33:52.279
all that and just see the passion that you have for,
633
00:33:52.559 --> 00:33:55.460
you know, helping individuals. And it's funny because, you know,
634
00:33:55.740 --> 00:33:58.400
I can tell Mitch truly found his calling with this
635
00:33:58.519 --> 00:34:00.539
area of the law. And he's been in it quite
636
00:34:00.559 --> 00:34:03.289
some time because he gets excited when a new law
637
00:34:03.349 --> 00:34:07.619
comes down, a new rule comes down, a new not trick. trick,
638
00:34:07.660 --> 00:34:09.800
but a new thing that he might know. And I
639
00:34:09.860 --> 00:34:13.599
remember when we were working on something together and he
640
00:34:13.639 --> 00:34:16.159
threw it in there. The rules of Florida changed. And
641
00:34:16.300 --> 00:34:19.380
as of this date and time, you had to do this.
642
00:34:19.460 --> 00:34:21.900
It was no longer optional. It was mandatory. And he
643
00:34:21.960 --> 00:34:24.360
dropped it in a footnote in the pleadings. And he
644
00:34:24.380 --> 00:34:27.449
was winning cases left and right because he took the
645
00:34:27.510 --> 00:34:29.909
time to do a little bit of research and find
646
00:34:29.989 --> 00:34:34.000
something else that nobody else found. Now, everybody's fixed it.
647
00:34:34.409 --> 00:34:39.320
And because of Mitch's fixes and suggestions. He helped clients
648
00:34:39.699 --> 00:34:42.139
and he helped the practice of law because now even
649
00:34:42.179 --> 00:34:46.039
plaintiff's counsels are making things that they're right. And Mitch,
650
00:34:46.059 --> 00:34:48.159
you and I used to have this conversation all the time.
651
00:34:48.460 --> 00:34:51.949
They change their standard complaints because of our motions to
652
00:34:51.989 --> 00:34:55.489
dismiss and they become more thorough and they've done this.
653
00:34:55.530 --> 00:34:58.190
And to us, that was a win because it's better
654
00:34:58.210 --> 00:35:01.250
for the practice. It's better for our clients. It's better for,
655
00:35:01.630 --> 00:35:05.039
for everything. So I'm going to segue into something that's
656
00:35:05.099 --> 00:35:07.059
near and dear to both of our hearts right now.
657
00:35:07.559 --> 00:35:10.960
So I always throw the hardest question of the day
658
00:35:11.039 --> 00:35:13.000
towards the end of an interview. And Mitch, I told
659
00:35:13.019 --> 00:35:15.480
you I'd keep it easy on you. And I have.
660
00:35:15.559 --> 00:35:20.880
So here's my hardest question of the day. Best legal
661
00:35:21.480 --> 00:35:22.880
movie ever.
662
00:35:23.880 --> 00:35:27.119
So, Jay, you and I are in complete agreement on
663
00:35:27.159 --> 00:35:31.530
this very, very controversial subject. Interesting enough, the movie, that
664
00:35:31.570 --> 00:35:33.349
is the answer to your question. That is the answer
665
00:35:33.369 --> 00:35:35.250
to the question that if it's asked to you, it's
666
00:35:35.269 --> 00:35:37.090
the answer you'll give because you and I love this
667
00:35:37.130 --> 00:35:40.639
movie to death. Interesting, it was the 30-year anniversary of
668
00:35:40.679 --> 00:35:43.199
this movie coming out to theaters about two weeks ago.
669
00:35:44.059 --> 00:35:47.159
And the Florida Bar just did a poll. They did
670
00:35:47.179 --> 00:35:50.199
it for March Madness. They did a bracket of the
671
00:35:50.239 --> 00:35:53.480
best legal movies of all time. And this movie, of course, won.
672
00:35:54.130 --> 00:35:55.869
from all of the Florida lawyers in the state who
673
00:35:55.909 --> 00:35:58.070
voted as the number one legal movie of all time.
674
00:35:58.090 --> 00:35:59.800
And of course, I'm talking about the timeless classic.
675
00:35:59.820 --> 00:36:01.219
Wait, wait, wait, wait. Drum roll.
676
00:36:02.840 --> 00:36:03.619
My Cousin Vinny.
677
00:36:04.360 --> 00:36:04.800
Bingo.
678
00:36:04.820 --> 00:36:08.059
My Cousin Vinny. There's no contest. Not only is it
679
00:36:08.139 --> 00:36:12.000
a very funny movie, it's very well written. It's also,
680
00:36:12.119 --> 00:36:16.650
as Jay will reiterate, the most legal, realistic legal movie
681
00:36:16.730 --> 00:36:19.989
that you will see. As far as showing how procedure works,
682
00:36:20.070 --> 00:36:24.159
as far as showing proceedings in court, interactions with opposing counsel.
683
00:36:24.300 --> 00:36:26.699
It is just a tour de force of a legal
684
00:36:26.719 --> 00:36:30.610
movie and not even close. Jason and I have a
685
00:36:30.780 --> 00:36:32.650
bunch of legal movies that we love. We were just
686
00:36:32.690 --> 00:36:34.889
talking about The Devil's Advocate a couple of days ago
687
00:36:34.969 --> 00:36:36.889
as well. That's another movie that we love. Of course,
688
00:36:37.230 --> 00:36:39.250
Jason going to the University of Florida Law School, any
689
00:36:39.369 --> 00:36:41.150
litigators in the city of Gainesville is going to be
690
00:36:41.190 --> 00:36:43.469
on his radar, just like Keanu Reeves was.
691
00:36:43.329 --> 00:36:43.809
In that movie.
692
00:36:44.380 --> 00:36:46.559
But yeah, it's not even close, Jay.
693
00:36:46.599 --> 00:36:50.980
Well, I went to University of Miami for law. I'm
694
00:36:51.000 --> 00:36:54.000
a Gator from my undergrad. That's where I met my wife.
695
00:36:54.840 --> 00:36:57.119
We went back to visit. That's when we found out
696
00:36:57.159 --> 00:37:00.590
she was pregnant with our son way back when. So
697
00:37:00.929 --> 00:37:03.070
Gainesville is near and dear. I went to UM for law,
698
00:37:03.309 --> 00:37:06.050
but Gainesville is near and dear to my heart. And
699
00:37:07.030 --> 00:37:11.179
I actually watched my cousin Vinny last night. It's one
700
00:37:11.219 --> 00:37:13.369
of the things that's on the queue and when I
701
00:37:13.409 --> 00:37:16.099
can't sleep or I need to focus, I watch it.
702
00:37:16.190 --> 00:37:20.809
I mean, there are so many just relevant things. I mean,
703
00:37:20.869 --> 00:37:22.889
one of the things that I love is when he
704
00:37:22.989 --> 00:37:27.440
objects to the expert being brought on and he says
705
00:37:27.519 --> 00:37:30.340
to the judge, Herman Munster, of course, he says to
706
00:37:30.380 --> 00:37:34.840
the judge, you know, it hasn't been conveyed to me before.
707
00:37:34.860 --> 00:37:37.050
They haven't turned it over. He was on the witness list.
708
00:37:37.110 --> 00:37:38.949
I know nothing about this and all this. And the
709
00:37:38.989 --> 00:37:42.969
judge is like, Mr. Gambini, that was well thought, well articulated,
710
00:37:43.369 --> 00:37:48.309
well done, denied. And you're like, what? What? Everything is
711
00:37:48.389 --> 00:37:52.289
in your favor. And I did everything you wanted and denied.
712
00:37:52.889 --> 00:37:54.969
And how realistic is that, Jay?
713
00:37:55.050 --> 00:37:56.929
And I'll tell you this. There was a judge in
714
00:37:56.969 --> 00:38:02.010
Broward County who is now retired where everybody knew what
715
00:38:02.050 --> 00:38:03.489
you had to do. You had to walk up to
716
00:38:03.510 --> 00:38:05.969
the podium when it was your turn. And you literally
717
00:38:06.030 --> 00:38:09.400
had to read off of the script. Good morning, Your Honor.
718
00:38:09.739 --> 00:38:15.360
My name is blank. I am here representing blank. What
719
00:38:15.420 --> 00:38:19.619
we are here for today is blank, literally. And it
720
00:38:19.659 --> 00:38:24.630
would say plaintiff's counsel goes first, defense counsel goes second,
721
00:38:25.469 --> 00:38:30.210
because he wanted order in his courtroom. And that's the
722
00:38:30.230 --> 00:38:32.650
biggest thing. With all of the changes and all of
723
00:38:32.690 --> 00:38:38.159
the things going on, thank God the judges have kind
724
00:38:38.219 --> 00:38:41.219
of molded a little bit and they've gotten it and
725
00:38:41.239 --> 00:38:46.550
they're getting orders and procedures put in place so that
726
00:38:46.610 --> 00:38:49.349
it's easier for them, which is awesome. We don't want
727
00:38:49.369 --> 00:38:52.010
to make their jobs harder than it is. And it's
728
00:38:52.090 --> 00:38:55.550
easier for us to keep judges happy. And I think
729
00:38:55.590 --> 00:38:57.809
that's what it's about. And I had a compliment from
730
00:38:57.849 --> 00:39:01.110
a judge a couple of months ago that is allowing
731
00:39:01.150 --> 00:39:06.860
me to appear at things virtually because he said, that
732
00:39:07.139 --> 00:39:11.480
my camera is clear, my microphone is clear, and I
733
00:39:11.539 --> 00:39:15.760
always dress professionally. I'm always in a shirt, tie, and
734
00:39:15.820 --> 00:39:18.900
jacket when I'm on those, not like today. And I'm
735
00:39:19.079 --> 00:39:23.150
always with a good computer, a good sound system. Everything
736
00:39:23.210 --> 00:39:26.050
is closed off. Everything is quiet. And I'm giving the
737
00:39:26.110 --> 00:39:32.079
judge the exact respect that the judicial... process deserves. And
738
00:39:32.119 --> 00:39:34.440
I think that's something that, you know, there have been
739
00:39:35.159 --> 00:39:38.469
videos floating around that attorneys are appearing in bed and
740
00:39:38.760 --> 00:39:40.449
they're coming in their pajamas.
741
00:39:40.469 --> 00:39:41.210
No, no.
742
00:39:42.570 --> 00:39:45.429
You're an extension of the legal system. The judges are
743
00:39:45.449 --> 00:39:48.599
there wearing their robes and treating us professionally. We need
744
00:39:48.619 --> 00:39:51.030
to give the judges the same respect and our clients
745
00:39:51.150 --> 00:39:55.110
and our colleagues and the bailiffs and the judicial assistants, everybody.
746
00:39:55.949 --> 00:39:58.230
And just give respect. And that's my whole big thing.
747
00:39:58.250 --> 00:40:01.280
You know, respect everyone. So when you said we've appeared
748
00:40:01.320 --> 00:40:04.380
at hearings from our bedrooms, I got a chuckle out
749
00:40:04.420 --> 00:40:09.880
of that. Hearings from our homes, in full respect, 100 percent. Yes.
750
00:40:10.219 --> 00:40:12.639
And if there was any bedroom appearances, Jay, it would
751
00:40:12.659 --> 00:40:15.690
have been with the full attire, if anything. And of course,
752
00:40:15.730 --> 00:40:18.469
with a clear background. But I meant that as definitely
753
00:40:18.510 --> 00:40:21.610
as an example of what technology allows us to do
754
00:40:21.670 --> 00:40:24.230
these days, because it's never would have imagined four or
755
00:40:24.269 --> 00:40:28.750
five years ago that even if you wanted to, you could. So, yes.
756
00:40:28.889 --> 00:40:30.929
And I also agree with you. It's great to have
757
00:40:31.010 --> 00:40:33.250
clarity from all of these judges as far as the
758
00:40:33.309 --> 00:40:37.099
new rules that go along with the technological advances that
759
00:40:37.119 --> 00:40:39.340
the courts are making, because a lot of judges also
760
00:40:39.420 --> 00:40:43.980
have formal rules for your background, your camera, your microphone,
761
00:40:44.699 --> 00:40:47.880
what you have to wear. It is technically an in-court proceeding,
762
00:40:47.920 --> 00:40:49.579
and most of us wouldn't show up to court with
763
00:40:49.619 --> 00:40:51.480
a bathrobe if we didn't want to get laughed or
764
00:40:51.500 --> 00:40:55.000
yelled at by the judge. So nevertheless, it's always good
765
00:40:55.019 --> 00:40:57.239
when we have rules. Rules are not a bad thing.
766
00:40:57.260 --> 00:40:59.320
They're a good thing because it gives clarity for all
767
00:40:59.340 --> 00:41:01.880
the parties. We all know what the rules are. It's
768
00:41:01.900 --> 00:41:03.929
actually worse when you don't have rules because then you
769
00:41:03.969 --> 00:41:06.730
have to speculate as to how to meet the standards
770
00:41:06.750 --> 00:41:08.769
of what the judge wants. And that's very, very difficult
771
00:41:08.789 --> 00:41:11.309
sometimes because there's so many judges in so many counties,
772
00:41:11.710 --> 00:41:14.429
in so many states, and they all want something different sometimes.
773
00:41:14.590 --> 00:41:17.690
So this is perfect. This is perfect to just bring
774
00:41:17.710 --> 00:41:20.349
it back full circle. So when you get served with
775
00:41:20.929 --> 00:41:23.489
that letter or that lawsuit because you're behind on your
776
00:41:23.510 --> 00:41:25.380
credit card or you can't make the payments or you're
777
00:41:25.420 --> 00:41:27.820
afraid they're going to send you collections, don't try to
778
00:41:27.860 --> 00:41:31.969
do it by yourself. Don't be embarrassed. Don't don't feel sad.
779
00:41:32.349 --> 00:41:35.269
Don't go, oh, my God, the sky is falling. What
780
00:41:35.309 --> 00:41:38.530
you should do is call Mitch. He might not have
781
00:41:38.550 --> 00:41:40.170
the answer for you, but at least he's going to
782
00:41:40.210 --> 00:41:42.829
be in here to listen. He's going to be able
783
00:41:42.849 --> 00:41:45.199
to probably help you or at least get you on
784
00:41:45.219 --> 00:41:48.980
the right path. And it's not anything to be embarrassed by. Look,
785
00:41:49.219 --> 00:41:52.800
we've all been involved in things. It happens, you know.
786
00:41:53.179 --> 00:41:56.119
So my recommendation is you got credit card problems. You're
787
00:41:56.139 --> 00:41:59.019
behind on that. You're having collection issues. You're having whatever.
788
00:41:59.760 --> 00:42:03.079
Give Mitch a call. or check him out on his website.
789
00:42:03.519 --> 00:42:06.599
So that's it for today. Mitch, I want to thank
790
00:42:06.639 --> 00:42:09.500
you again for hopping in, being on this show with me.
791
00:42:10.440 --> 00:42:19.730
You could be reached again at 800-316-3133, guardianlit.com. You could
792
00:42:19.769 --> 00:42:22.550
also check him out on the Florida Bar website. You
793
00:42:22.570 --> 00:42:29.300
could always get me at jason at askjasonweiss.com or askjasonweiss.com.
794
00:42:29.809 --> 00:42:34.869
Or if you're looking for an attorney and not a coach, jswlawyer.com. Mitch,
795
00:42:35.210 --> 00:42:37.349
thank you so much for taking the time to be
796
00:42:37.389 --> 00:42:41.909
with us here today. Hopefully our listeners learned all about collections,
797
00:42:41.989 --> 00:42:45.030
what to do, and hopefully you won't ever get in
798
00:42:45.050 --> 00:42:48.630
that situation where you need it. But hey, if it happens,
799
00:42:49.070 --> 00:42:51.389
no big deal. Call Mitch. He knows what he's doing.
800
00:42:51.869 --> 00:42:53.949
Jay, thank you so much for having me this afternoon.
801
00:42:53.969 --> 00:42:56.869
It was great chatting with you. And yes, please, anybody
802
00:42:56.949 --> 00:43:01.099
out there You know, we understand problems happen that are unforeseen.
803
00:43:01.219 --> 00:43:03.389
You lose a job, you go through divorce, you have
804
00:43:03.409 --> 00:43:06.269
to relocate, you know, no shame at all when you
805
00:43:06.309 --> 00:43:08.630
have to go through these very common life events. And
806
00:43:08.670 --> 00:43:10.230
if you need somebody to help you, if you need
807
00:43:10.269 --> 00:43:12.630
a second set of eyes, if you're curious about the
808
00:43:12.690 --> 00:43:14.869
legal ramifications, just give us a call. We're happy to
809
00:43:14.889 --> 00:43:15.230
help out.
810
00:43:15.869 --> 00:43:19.010
And one last shout out to Cece, who is just
811
00:43:19.690 --> 00:43:22.309
the lady behind the scenes who runs this all. Couldn't
812
00:43:22.349 --> 00:43:25.679
be possible without her. CeCe, thank you for everything. You
813
00:43:25.719 --> 00:43:31.460
and the GoingSoloMedia.com and the Going Solo Network. You guys
814
00:43:31.500 --> 00:43:34.159
are awesome. Thank you. Thank you. Thank you. And I'm
815
00:43:34.199 --> 00:43:36.730
just honored and privileged to be able to do this
816
00:43:37.130 --> 00:43:40.909
every other Thursday at noon Eastern time. Thank you, everybody.
817
00:43:40.929 --> 00:43:43.000
Have a wonderful rest of the week and a great week.
818
00:43:43.139 --> 00:43:48.519
You're listening to WGSN-DB, Going Solo Network, singles talk radio channel,
819
00:43:48.820 --> 00:43:52.000
where we take a lighthearted and candid approach to discussions
820
00:43:52.059 --> 00:43:56.320
on the journey of relationship loss, divorce, parenting, being single,
821
00:43:56.619 --> 00:44:01.400
relationships building, dating, and yes, sex. Join our listeners and
822
00:44:01.440 --> 00:44:03.429
begin living your best life.