Obtaining A Bridge Loan With Titan Funding - Premier Direct Lender

At the Greater South Florida Chamber of Commerce, we are dedicated to providing the best business expos in South Florida.

1. Titan Funding.
2. Pelican Newspaper
3. Bill Reicherter - Florida State Congress.
4. Y2K Credit Solutions.
5. TCM Physicians.

Episode Transcript

(00:00):
Welcome to the Greater South Florida ChamberRadio program with your host to board President
John Kroll of Kroll Realty. Goodmorning, Welcome to the Greater South Florida
Chamber of Commerce Radio program. OnSaturday, the twentieth of January twenty twenty

(00:23):
four, we are back in thesaddle and we have with us longtime corporate
trustee Ambassador John man Sewer aka theMoneyman, from Titan Funding in Boca Raton,
Florida. What we're going to dothis morning, John, as we
are streaming live on the iHeart appfrom West Palm Beach, Florida on a
rainy, rainy weekend. What wewant to do is give the listening audience
a little bit of a preview ofwhat a bridge loan is. I just

(00:45):
want to get back to the basics. Obviously, you being a hard money
lender and you doing bridge loans whichrange from two hundred thousand up to ten
million on ten million up two hundredmillion across collateralized. Give people a breakdown
of what you do the fact thatyou are a private lender and what you
do versus what banks are doing.Because I don't want to get into for

(01:06):
lack of better grammar ragging on thebanking system in America, but we both
know it's not what it used tobe. Traditional loans just aren't there for
people, and obviously people are forcedto come to someone like you to get
what they need. And the thingabout what you do is you do it
so well, but you execute quickly, you're accurate, and you help people
in those capacities. So I wantto get out of the way and give
you an opportunity to explain to thelistening audience who you are, what you

(01:30):
do, and give them a littlebit of your background, because you're the
best I've ever seen. Go ahead, my friend, I appreciate a robin.
Good morning, everybody, Happy NewYear. So, you know,
as private lenders, private real estatebridge lenders, the Wall Street has called
the private lending industry the so calledshadow banking industry, And for all practical

(01:53):
purposes, what we have seen iswe've taken over a significant personercentage of the
actual commercial real estate loans in theUnited States. And as this continues to
unfold, we see more and morewhere our borrowers are. They typically would

(02:15):
be a bank borrower, they'd bea credit union borrower. But you know,
those outlets are just not available tothem. So I'll give you a
purpose. Today, I was speakingwith a professional real estate investor over in
the Naples area, and she's lookingto acquire a small motel over there.
It's been in operation for years.It's in a great location, but you

(02:38):
know it's the book keeping on itis not the best. And this would
easily be a bank deal, buta bank won't touch it. She needs
to close quickly. We can closeit for it's not that large a transaction.
It's under five million dollars, andshe can reposition the property, she

(03:00):
can do the proper accounting, andshe can at that point refinance with a
traditional loan in twelve to twenty fourmonths. But we see those type of
opportunities all the time, robbed.The other thing we see is we have
the ability to cross collateralize multiple properties. As you indicated, a lot of

(03:23):
other private lenders and a lot ofbanks don't like that type of loan,
but it's a very effective way ofallowing someone to go out and either acquire
a new property using the collateral thatthey have with their existing properties, or
taking cash out to improve their properties. When they have multiple pieces of real

(03:46):
estate and then here again get themin a position to refinance it in twelve
to eighteen months. So, aswe've talked about over the years, our
loans are all twelve month loans withthe ability to another twelve months. Our
average life of a loan is inthe fourteen to fifteen month range. So

(04:12):
it truly is just an opportunity fora real estate investor to reposition a property
and allow them the flexibility to dowhat they need to do when traditional banking
outlets are not available to them.Can you give people a synopsis and a
scenario of how they would go aboutcontacting you and what the process is.

(04:35):
Can you give them the parameters onwhat they need to do and what would
take to apply for and obtain abridge a loan for anybody who may not
be familiar with it. Sure,many people just go on our website titanfunding
dot com and fill out a requestfor information and myself or my business partner
will give them a call. Willwe'll take the information. We'll provide typically

(05:00):
in a matter of twenty four hours. We can let them know whether we
feel that the transaction is right forus and right for them. We provide
a term sheet with the needs list, and that needs less typically is going
to be you know, we willpull credit, we do collect tax returns.
Depending on the property and the location, we may or may not require
an appraisal and title work, andthen once we have title and the appraisal,

(05:25):
typically we can close within forty eighthours. So it's the process is
significantly more relaxed than traditional banking scenario. But by the same token, we
do want to understand who we're doingbusiness with, and we do want to
understand the exit strategy, how they'regoing to pay us off, and how

(05:46):
they're going to position themselves so thatthey can be successful with the property that
they are either refinancing or acquiring.And what's the time frame from when someone
kind of actually give a scenario onhow that works for anybody who maybe a
first time listener may not be familiarwith a private lender, hard money lender,
or a bridge alone. If youwould sure it depends, that's a

(06:11):
great question. But if there's atrue need for speed and title work is
available and I don't need an appraisal, I can close them as little as
forty eight hours. But the realityis our typical transaction is usually between seven
and fourteen days and give people somescenarios on what you've seen in the past,

(06:31):
because you know, I've heard thehorror stories. I listen to a
lot of talk radio, and Iknow you do as well, and you
hear the stories of or you seethe articles online, or you hear about
it on the news or in thepaper or on the net. Where people
in the eleventh hour are getting readyto do something, they lose their deposit.
You know, the rug gets pulledout from underneath them. I know
you specialize in helping people that arein those positions. Give a couple of

(06:55):
scenarios on the end. Listen,we see that all the time. The
key is we're a direct lender,and as a real estate investor and a
borrower, what they need to understandis A are they working with the direct
lender or b are they working witha broker? And look, we work
with a lot of brokers. Soat the end of the day, the

(07:16):
borrower needs to understand they want totalk to the person with the money,
and as long as the person withthe money tells them that they're going to
do the transaction, they can providea term sheet or a commitment letter.
Chances are they're going to be ableto successfully complete that transaction. I can't
tell you how often I hear thehorror stories like you've indicated, where someone

(07:42):
literally is at the closing table onlyto find out the loan is not there.
And the reason why the loan isn'tthere is because somebody was trying to
shop that loan right up until theeleventh hour, and they weren't dealing with
a direct lender. I know that. And that's ironic because in your opinion,
what's the difference between I mean,give you an example, So we'll
go nineteen eighty four, nineteen ninetyfour, two thousand and four, and

(08:05):
here it is twenty twenty four.In the last twenty to forty years.
What's the difference that you've seen withtraditional banking processes in America versus where we're
at today, John, in yourhumble opinion, Well, I'll first of
all, let me say this,I think that the underwriting requirements today,
even though they're quite stringent, itwas a necessary evil coming out of the

(08:28):
Great financial crisis, of the Greatreal estate crisis of two thousand, state
nine, ten, et cetera.So that said, as we all see
the pendulum sometimes swings too far,and therefore a logical the traditional lenders don't
have the ability oftentimes to just doa logical loan. So and I'll give

(08:54):
you an example. You know,someone is coming to me, they're acquiring
an investment property, two million dollarinvestment property, and they're looking for a
million a million two dollars loan.They have actual cash into the project between
eight hundred thousand million dollars, youknow what their credit score. Although I

(09:15):
want to understand their credit score andI want to understand their tax returns,
they're not going to be the driver. The driver is the real estate.
And that's where I say, youknow, that transaction. As long as
I'm comfortable with the bar where thatthey're uh that they're you know, well
intended, I'm going to do thattransaction. Whereas a traditional lender, if

(09:39):
they don't have the right credit score, if they don't have the global cash
flow that they can prove, theywon't be able to do that loan.
And it doesn't make any sense tome, doesn't That's the biggest difference.
That's the biggest difference between somebody likeTitan Funding and a traditional bank or credit
union. And you know, it'sironic that you say that because you hear

(10:03):
so many things on the news,or you see all the different publications,
or the internet is a notorious sport. They're always talking about how people can
get a mortgage here, or theycan do this, or they can reach
out to this organization and they canhelp them. And I always hear from
people after the fact that there werehoops that they had to jump through that
weren't there. They weren't transparent.And one of the things that in watching

(10:26):
you work, and you know,normally our board president host for our weekly
radio programs, John Crow would beon doing the interview, but he's tied
up today on a closing. Butwe always talk about transparency. You're very
transparent, You're very effective and verythorough and obviously you're dealing with people that
are coming to you because they've justgotten some bad news and you know they're

(10:46):
in panic modes. So it mustbe a breath of fresh air for them
to know that they're dealing directly withyou, the direct lender, and that
you're capable of meeting their needs ina timely manner when time is of the
essence for lack of it, RobYou're one hundred percent, right. But
let me add to that just alittle bit. Because the number of very

(11:07):
large professional real estate investors and developers, we do business with them as well,
and they have the ability to goto a traditional bank, they just
don't want they don't have the timeto deal with the traditional bank, or
they don't want to deal with thetraditional bank because especially now, what we've

(11:31):
done is we've been able to we'vebeen able to do loans even though we've
been able to maintain our interest ratevery comparably to how it's been over literally
over the last ten years. Eventhough interest rates themselves have increased dramatically,

(11:52):
our interest rates have not, sothe delta between what it costs to borrow
from somebody like us versus a traditionalis not nearly as great as at once.
That's said, by keeping our ratesconstant and consistent, what we've done
is we've elevated the quality of ourloans so that now we have the large

(12:13):
professional real estate investors and developers whoare very actively seeking out lenders such as
ourselves. That's very important. I'mglad that you touched on that. That's
ironic, that's very ironic, andyou know, I guess in your opinion,
I want your opinion on this.It seems to me nationwide there's a

(12:35):
certain areas where people say things arediminishing or decreasing. But I know that
I value your opinion, in John'sopinion, more than anyone else's within this
industry, and you both seem tohave the same opinion of the market here
in South Florida is still being onfire, correct, I mean, it's
there's still I wouldn't characterize it ason fire as much as just consistent and

(13:00):
robust. So the fortunately for usour portfolio, you know, probably half
our portfolios here in Florida, andthe Florida market still continues to be very,
very strong. We also have apretty significant portfolio and a place like
Maine, and you know, thesupply demand imbalance, it's still it's still

(13:24):
extremely favorable in a place like Maine, just like it is in Florida or
the Southeast. You know, wewe service the Carolinas, Georgia, et
cetera. And the reality is wherepeople want to live, there's still a
pretty significant supply demand in balance.That's ironic. While I'm hearing that music
in the background, John, wegot about a minute left. What I'd

(13:46):
like for you to do is giveyour pertinent contact information how people can get
a hold of you until we haveyou on in the next segment. Go
ahead if you would please, allright, Thanks Ron. They can go
online to typanfunding dot com and geta whole of this skill out an online
application or just a request for information, or they can call direct eighty five
five, seven three one sixteen hundred. Either one works. John. Want

(14:11):
to thank you for being with usonce again. It's corporate trustee investor John
Mansouri, aka the Moneyman from TitanFunding in Boca Raton, Florida, signing
off this morning on Saturday, Januarytwentieth, twenty twenty four from West Palm
Beach, Florida, where it's awet one. We're now streaming live on
the iHeart app. Thank you John, all right, Rod, Thanks,
enjoy the rest of the weekend.Take here go lions. Thanks. I

(14:33):
appreciate it, all right, John. Tired of the volatility in the stock
market. Looking for consistent yield,Titan Funding is extending at seven and a
half percent monthly electronic payouts that areback by First Lean Mortgage notes. You'll
receive steady seven and a half percentmonthly payments and total returns targeted at fifteen
percent. All loans are secured byreal estate. Visit titanfunding dot com to

(14:54):
learn more about our high yield investmentopportunities. That's Titanfunding dot Com. All
invest smith's involved risk past performance offund, it's not education of future performance.
Accordingly, the fund does not makeany guarantee or other promises to any
results of the funds that may beobtained from this or any corresponding Good morning,
Welcome back to the Greater South FloridaChamber of Commerce radio program on Saturday,
January twentieth, twenty twenty four.It has been a wet weekend so

(15:16):
far, it looks like we're goingto have more rain and we are now
streaming live on the iHeart app fromWest Point Beach, Florida at iHeartRadio and
with us is Corporate Trust. Theambassador Michael di Lavora, who is the
editor from the New Pelican newspaper.What I'd like to do, Michael,
I want to give you an opportunityto introduce yourself, because I know I
always mispronounced your last name, andI apologize for that. It's not intentional.

(15:39):
It's not a common name, butMike's a wonderful human being, great
guy, and folks, their publicationis stellar. I encourage anybody. He's
going to give the instructions on howyou can go online and view this.
But I see the publication regularly ouroffice and a number of the businesses in
our plaza near us our distribution points, and I want you to give an
overview of your public location about thenumber of people who are using it.

(16:03):
Talk a little bit about advertising,and I know you're running promotions not just
for the Greater South Florida Chamber members, but also for people in general here
in the South Florida market, andI encourage anybody I know that we're going
to be running some ads for theevent we've got coming up at Saint Demetrius
on Valentine's Day where they do theGreek Festival, which is February first through
the fourth. So I want toget right into it this morning, Mike.
The Flora is yours. Go ahead, my friend, Hey, Rob,

(16:26):
thanks for having me on and Iappreciate it. Yes, sir,
so Yeah, we're the new Pelicannewspaper. My name is Michael de Oliver
on the editor and publisher and basicallywe cover northeast Proud from Hillsboro down to
World Manors and Fort Lauderdale. We'vebeen around for thirty years, well thirty

(16:47):
one years now. Our great aniversarywas last year. Our thirtieth was last
year. And you know, wecover all sorts of topics, all sorts
of community news, and we alsodo advertising. Right now, we have
a special if you buy six adsat one quarter page or more, you
get one free, or you canbuy twelve and get two free. So

(17:10):
now there's a really good time toadvertise. All the snowbirds are in town,
so ours is a great way ofgetting your message out to the readers
and talk a little bit about theareas that you serve. I know,
if memory shows me correct, you'rethe second largest publication I believe in the
area, behind the Sentinel. Correct. Is that not correct? I don't

(17:33):
know. I don't know the numbersof the other publications, but we are
basically the only newspaper in Northeast Browerbesides the Sentinel. Unfortunately a lot of
other newspapers have disappeared over the years, so we're really the last ones left
in our area. And we,like I said before, we do all

(17:57):
sorts of different news, community features, business stories. You, David,
we'll write about it pretty much.And for anybody out there in the listening
audience who is participating in the eventon February fourteenth over at Saint Demetrius on
Valentine's Day for the business expone Healthwarethat we're conducting, and obviously Micha will

(18:18):
be there with his team. There'llbe one of the exhibitors, one of
the future corporate exhibitors. What's thespecial for that, Mike? What can
you give people an outline on thepricing and what the ads would run if
they wanted to advertise, and whatthe parameters would be. Well, really,
it depends how much of an howmuch advertising they want to do.
So in terms of prices, Imean it can run all the way from

(18:41):
a classified which is about fifteen dollarsall the way up to a full page
add which is about one thousand dollars. So all right, Oh, I
like that. I like that.And your publication is bi weekly? Is
it is that how it works?Or is it twice a month or is

(19:02):
it weekly? Every Thursday we comeout. We're we're also online at Thenewpelican
dot com. So that's awesome.And yeah, obviously being an election year,
I'm sure you're seeing a lot ofthings and I want you to share
with the listening eudes this morning alittle bit about the way you do things
with the election versus how other thingsare done, whether it's news, internet

(19:23):
or publication. Go ahead, Yeah, one of the first of all,
the main difference is we only coverlocal elections, so city commission, county
elections. We don't get into,you know, the national stuff like Trump
versus Biden or anything congressional, Sowe're very local just like the rest of

(19:45):
our news. We also don't doendorsements. We strictly do interviews and let
people know what the candidates are sayingabout how they'd tackle certain issues. So
so we try to do things alittle bit differently than than the national things
the national publications. And what areyou seeing right now? What are you

(20:10):
seeing and within the industry that youwould want to share with the listening audience.
That's a good question. Just uh, or you what do you mean
exactly, like in terms of businessor editorial? Correct? So business wise,

(20:33):
yes, correct, that's a goodquestion. It's just I guess the
only thing I'd have to share isis Unfortunately, like you know, there's
a lot of publications that are thatare folding that uh you know, I
mean, we're doing pretty good,but unfortunately, you know, the industry

(20:56):
is suffering right now. Yeah,I see that. I noticed that is
going on. You know, wegot about a minute left. Mike.
What I want you to do isgive out your pertinent contact information again,
give the web address, phone numberhow people can get a hold of you.
And then I want you to sharewith people again the promotion that you're
running before we sign off this morning. Go ahead, Yeah, you can

(21:18):
reach us set Newpelican dot com online. You can get me a call nine
to five four seven eight three eightseven zero zero. And the special right
now is you can get buy sixads you get one free, or buy
twelve and you get two free.That is awesome. I love it.
I love it all right, Mike. I want to thank you for being
with us once again. It isSaturday, the twentieth of January twenty twenty

(21:42):
four. It's been a wet weekendwhere we are streaming live from iHeartRadio in
West Palm Beach, Florida on theiHeart app. It's been Michael from the
Pelican Newspaper. Mike, have awonderful weekend and God bless my friend.
Thank you, get to you.Thanks Rob. The New Pelican Newspaper is

(22:03):
your local news source for news aboutlocal issues and current happenings in South Florida.
Local journalism is more important than ever, and that's why it's critical to
support the New Pelican Newspaper, whichproudly serves the communities of Broward County,
including Pompino Beach, Herefield Beach,Wilton Manors, Oakland Park, Hillsborough Beach,
Lauderdale by the Sea, and LighthousePoint mentioned Greater South Florida Chamber and

(22:26):
get twenty percent off your ad Getall your local news at Newpelican dot com.
Good morning, Welcome back to theGreater South Florida Chamber of Commerce radio
program on Saturday, the twentieth ofJanuary. It's been a wet weekend so
far. We are here in WestPalm Beach, Florida this morning where we're
streaming live on the iHeart app fromiHeartRadio with us is Bill Reicheter and Bill

(22:48):
is running for the Florida congressional seatfor the ninetieth district. I believe,
I think I said that correctly,Bill, And what I want you to
do is get right into it thismorning, because we have seven or eight
minutes. I want you to sharewith the listening audience who you are,
a little bit on your background andtalk about the area that your district covers.
And obviously I know that you havesome key things that you want to
change when you get up to Tallahassee, because let's face that, there's been

(23:12):
i'll say a lot of flim flamming. I don't like to use the word
scamming, but there's been a lotof things going on that I know that
you want to combat. And I'dlike for you to get right into it,
Bill, if you would go ahead, please. Yeah. So again,
my name is Bill Rage and runningfor State House District ninety for del
Ray Beach and Boyton Beach. Andit goes all the way west to a

(23:36):
military trail and it's from Linton Roadto Hyperaluxo right to the ocean. So
that's the district lines. And yeah, you know, it's funny, you
know when you talk about Tallahassee,you talk about our district, and you
know, current state representative just notgetting a lot of appropriations. Back to
the district, you know, anda lot of promises made and just things

(23:59):
aren't be delivered. You look atthe cost of living, you look at
the insurance rates going sky high.Look at our educational system. You look
at businesses are struggling for labor.You look at the construction industry. You
know, you can't find enough tradesmen. You're looking at you know, when
kids are coming out of our schools, you know, they're they're not not

(24:23):
educated enough and they're not going intotrades right, they're going into college,
You're going into debt. We havea huge problem with mental health. There's
just so many things that we keeppromising that we're going to fix, and
we keep promising we're going to addressand I don't see anything happening. And
then we go to Tallahassee as arepresentative and we blame Tallahassee the boken system
that keeps staying broken. And thenrepresentatives come back and they just complain that,

(24:47):
well, you voted for the wrongparty, so we can't do anything.
Well, let's vote for the rightparty. Then to have somebody that
has a seated table that we canget something done. And that's what's going
on in our district. We're justhearing the same story from the same representative.
You keep voting the wrong way,You're voted for the wrong person,
you're wrong for the wrong party,and we can't fix it. Oh,
you got the right party here,you got the right persons. Let's get

(25:08):
him in office so we can fixit. Obviously, and I've heard you
talk about that a number of times. Is that you're not biased. You're
willing to work across party lines.You know, you're not looking at it
from a red perspective or a blueperspective. You're looking at what is best
for the people of the state ofFlorida that live within your district. And
I admire you and kudos and hatsoff for that. That's is ironic because

(25:32):
you see so many people that arejust they refuse to cross party lines,
and it just just kind of blowsmy mind when I see that. Andy,
I know you have some input,and he's with us obviously as well.
Welcome back. Hey, hey,hey, I know, I know,
man, We've got so much totalk about it. I'm actually working
with Bill on his campaign. I'mpart of his team. Awesome, and
you know, what he's doing inthe community is very important. But I

(25:55):
really like the fact that you're talkingabout the the trades trades school and I
was having a conversation with Josie whenyour team member about that, and so
many people are not even finishing highschool. And if we can implement the
trade after high school and now goto college, that's it's definitely needed.
The trades are deaf, and you'llbe surprised how many people don't have that

(26:15):
much skill set either, Right,Bill, Right right. I mean,
if you look at the amount ofmoney that's made in trades compared to the
amount of debt the kids go intogo into college, and the head starts
that the people that go into thetrades have right on once they get out
of high school, they get intoan apprenticeship program while they're in high school,

(26:40):
and they get out of high schooland already earning money, I mean,
they're earning money that's Liverpool wages alreadyonce they graduate, compared to kids
that are in college that are goinginto debt, and not just debt,
but serious debt that they can't evenpay off for how many years, ten
twenty thirty years while they're trying toearn a living start a family, right

(27:00):
pay for a house, pay forevery their cars, pay for everything.
It's just crazy. College has becomea game. It has to become a
learning institute anymore. It's a moneypit. It became a money market.
And you know, I want toask something with the trade right when you
get to Tayler Hassee, which weknow you get into Tyler Hassee. We're
on that page with you, onthat journey with you. How is that?
How is the trade programs going tobe implemented for people? Are is

(27:22):
it going to be based off likean income base or you have the option
if you want to do a trade, Like, how do you guys plan
on implementing? How is it implemented? Well, I think what we need
to do is we need to getinto our school systems. Right. We
need to give the kids the optionwhen they're in high school that they should
be able to be able to goto school. And when I was in

(27:42):
high school, you actually had theoption to go to class, right For
when you're a junior and senior,you had your path to go to college
or do you had a path togo right to work? Right? Like
half the day you were in school, the other half to day you were
going to your apprenticeship programs. Right, we have to get act to that.
And then those kids when they graduated, they were already going back into

(28:03):
the workforce. So like myself,I had a football scholarship. I went
to college to play football, andmy career path was actually be a pro
football player. That didn't work out, but you know, I went through
the college ranks and then you know, luckily my college was paid for.
Right. But we need to getthat implemented through the school systems, and
that we need to get appropriations back, and we need to make sure that
our school our school boards, andour school system and the education system as

(28:27):
appropriations to get these programs back implementedinto the schools. It needs to be
a priority. So let me stay, let me ask something. So in
New York, I'm from New Yorkwho went to high school in New York,
we have a it's part of ourcurriculum and in high schools that half
of it is a trade and halfof it is regular class. Is that

(28:48):
is that how it's implemented here inFlorida as well, or how it is
going to be implemented Like all schoolsare all schools are implemented in Florida.
I have to once I get elected, I got to start really diving into
a lot of what I don't knowas a normal citizen and seeing how all
this stuff is really embedded up there, and then what goes on inside the
Department of Education and what they wantus to know, what they don't want

(29:11):
us to know, what could bedone, what's you know, what's written
and what's unwritten. I don't knowall these things. And unfortunately, unless
you're in the game, you neverget you don't know what the real game
is. And it takes people likeus to get in there and start making
headway and making noise to find outwhat we need to do to make these
changes, because they're never gonna unlesswe get in there and we start becoming

(29:36):
these voices that they can't deal withand so making changes. These things just
don't happen because it's like you know, unfortunately, at the top of the
food chain, college is a greatbreeding ground to make workers, not thinkers.
Right, That's what this really is. It's more about, is they

(29:56):
make people that are educated enough tobe workers. You know, we want
people that educating and powered enough tobecome business owners. We want people that
are educated enough through out there andchange the world. We don't need a
bunch of people going to school justto become more employees for people, right
right, you know, we're goingto start changing mindset to people so that
we get more people out there creatingjobs, opportunities and things for people.

(30:18):
No, I like, So it'sjust a who's a whole other way of
thinking that people just we're like robots, right, We're told go to school,
get a good education, get agood job. Right. Correct.
It's ironic, but t ironic.Touch on that bill. We got a
couple of minutes left, about aminute. I want to share this.
My parents were retired school administrators.My father was a superintendent, my mom

(30:38):
was a principal, and obviously thathad a real estate business and owned some
small businesses. We're fortunate. Well, my father was a depression an farm
kid who made good and I rememberone of the things in California he fought
tooth and nail because they retired ineighty eight, but in the seventies he
fought tooth and nail with the schoolboard and along with the people in the

(31:00):
school districts as we were in abig district in southern California to get vocational
training put into schools, and atthat time they had what they had was
adult education programs. People that mayhave dropped out in sixty eight or sixty
nine, they were coming back toschool to go to night school in seventy
three or seventy four because they hadvocational training there. And those people today

(31:21):
are the individuals who were you know, I heard a story the other day
a guy that was a high schooldropout heard it on Hannity and he ended
up going to Pratt Whitney. Hestarted out sweeping floor as he ended up
as a manager. And he said, if it wasn't for the vocational training
that he got when he went backto school, when he ended their drop
back in program, he wouldn't bewhere he's at today. And I know

(31:41):
that that's what you want to do, because you're right about the student loans.
It just kills people today. Idon't like to use that terminology,
but it does kill them financially becauseI know my kids are going through it.
It's top and you know, wegot about forty five seconds left until
we have you on the next segment. I want you to give your contact
information and then go ahead all right. So my website is Bill Wreis dot

(32:04):
com. That is www dot billR e I c h E R t
e r dot com and you canreach me by phone anytime at five six
one eight hundred five zero five four, and anytime my phone is available,
you can always get a hold ofme and look forward to hearing from it.
Bell. One thing I wanted toadd real quick. I like the
fact that you talked about making change, and changes need to be made once

(32:29):
in Tallahasse because too many, oftentwenty times, everything is brushed under the
carpet, and you're willing to gounder that carpet and clean it out.
And that's very important. Everyone needsto realize that if we want to see
change, we have to go outand vote for Bill and get on get
what people that's going to speak upfor us. Thank you, thank you,
thank you, Bill. All right, thank there, thank you.

(32:55):
Hey. I'm Rob, the directorat the Greater Sound for the Chamber of
Commerce www dot Greater South Florida Chamberdot com nine five four five eight zero
eight eight zero two. You're listeningto one of our weekly radio programs here
at iHeart. If you're interested inbecoming a guest on the show, or
advertising with daily and weekly commercials,or participating in any of our upcoming expos

(33:17):
and events. Please reach out tous at nine five four five eight zero
eight eight zero two. Good morning, Welcome back to the show. On
the twentieth of January twenty twenty four. We're privileged to be here this morning
at very wet morning in West PalmBeach, Florida at iHeartRadio. We're now
streaming on the iHeart app. Havewith US corporate Trustee Ambassador Andy Suku from

(33:38):
y two K Credit Solutions. Iwant you to understand something, folks.
Andy doesn't do credit repair. Hedoes debt settlements. So if you have
a judgment against you and you needsomeone to go on your behalf to represent
you because you're in court proceedings,that's the individual you want to work with.
And I encourage anybody to go totheir contact information, which Andy's going

(34:00):
to give here momentarily and look himup. Because there's been one success story
after the next, and I'm inthe position right I know I'm going to
be using you hear in the verynear future myself because I got hurt a
few years back, like a lotof people and a lot of us are
hand in the mouth, about ninetypercent of us in this country. And
what I want you to do andis I want to talk a little bit
about personal debt, whether you're abusiness owner or whether it's an individual,

(34:23):
and the difference between that and bankruptcy, because a lot of people are going
the bankruptcy route these days. AndI want you to you know, we
got about seven eight minutes. Iwant you to share with the listening audience
some of your pearls of wisdom.Grab a pen and payper folks, and
put your thinking cap on, becauseAndy's is well burst that this is anybody
we've ever met, and we're pleasedto have them with us. Thank you,
Thank you. Rob. Yeah,let's get into this, man,

(34:44):
because we're coming out and we're cominginto the new year. Now. In
twenty twenty three, a lot ofpeople racked up debt, a lot of
people open businesses, a lot ofpeople open business quit their jobs, and
they didn't have savings to bail themselvesout. Now a lot of people are
looking to find bankruptcy. But there'sa confusion because people are thinking when they
file bankruptcy under their business, iteliminates the debt. People don't realize that

(35:07):
you PG the debt for your business. And what I say PG, I
mean personally guarantee, right, becausea lot of you guys, when you
start businesses, your business didn't havethat much credit errors and you start a
business, so it was tough toget credit or credit cards to float your
business, or even loans. Soyou would apply for a credit card or
a loan from a bank and thenyou would PG the loan. And I
have a lot of clients calling inour offices, no book in consultation thinking

(35:30):
about filing bankruptcy because their business didnot flourish as they planned. Their business
fell off and they can't float thebusiness anymore and they racked up a ton
of debt. Also with that,when people when people filed bankruptcy, talk
about the one aspect that they donot sweep under the rug, I you
would play irs. Yes, so'sthat that's everyone hates irs man, None

(35:51):
of us likes irs. But that'sone that you can't get rid of.
You know, it's they'll they'll comefor you, even if it's ten years
later. You cannot put the debtin bankruptcy. And that's like, but
what I'll say this, though theydid waive all of the penalty fees.
This start in January. IRS iswaving the fees if you didn't pay tax
in twenty two and twenty three,twenty one, twenty two, twenty three,

(36:15):
if you didn't pay your taxes,then you have an open bill.
And obviously you know if you don'tpay penalties assess on right. And the
penalties are very very high. Sometimesthe debt that you offer IRS is small,
and know what the penalty is.Some people have like two thousand dollars
a debt, but the penalty isfour grand because of not paying it right
and they make their money. They'rewaving their feet. They're waving the fees

(36:35):
for the first quarter, not thewhole year, for the whole years old.
This year, they're waving the feesfor twenty one, twenty three,
so people will start making payments rightexactly exactly. People need to get out
of this debt. But you can'tput that in bankruptcy. But what I
want to talk about is we needto understand when you file bankruptcy, the
pros and cons are filing bankruptcy underyour business and your name. And that's

(36:55):
what I want to talk to peopleabout because there's a mixed confusion. People
are thinking you fid bankruptcy under thebusiness. Like I said, when you
open a business and to float yourbusiness, you PG your debt And I
did a whole video on this topicon our it's on our social media hit
two K Underscore Credit Solutions or ourYouTube channel. But when you file bankruptcy
under the business, but people don'trealize that not all creditors will accept the

(37:16):
bankruptcy. Credits can contest the bankruptcy. And then also depending on the bankruptcy
you filed, you may have topay some debt back or you may have
if you have an asset, youhave to liquid it to asset to pay
the debt back. So you needto understand the kind of bankruptcy you're going
to file. One. Two,You need to understand when you five bankrupts
under the business, and if youPG the debt, you're still on the

(37:37):
hook for the debt personally, andnot a creditors are going to come after
you. What about what about thepeople that file bankruptcy and they have fifty
two hundred employees and they have beenable to pay their employees and theyil them
back wages and stuff. How doesthat work? I mean that basically comes
down to a personal lawsuit between theemployee and the company if they can't pay

(37:57):
them. But I mean, Idon't think any employee would have stayed with
a company that's true, you know, because everyone needs money to pay their
bills these days, and you knowthe bills are coming with an increase in
salaries not coming. Well, thereason I brought it up is I know
that you saw in the news likeI did. You saw that Spirit has
been hurt hurting lately, and theywere trying to the judge shot them,
no, Blue can't take it over. And I know some people that work
for Spirit that were really upset andthey said that they were not in the

(38:21):
best position. But I won't.Yeah, I saw it that, Yeah,
and that's that's tragic, right,But well, why didn't they take
it over? That's interesting. Igot look into that more. But yeah,
so monopolizing and they said it wouldhave just the airports would have went
through the roof. That was thatwas what the judge said, right,
who knows. But before you considerfiling bankruptcy, guys, give my office
a call for a consultation because youmay not even need to file bankruptcy,

(38:44):
right, I mean I have somepeople filing bankruptcy for ten thousand dollars,
Like, there's no point filing bankrupteyfor ten thousand dollars. I mean,
filed bankruptcy for ten thousand dollars.I can't use your credit for seven years.
That's doesn't make sense. It's gotto be a half millionaire exactly when
that debt could be settled down tolike three four grand. You can want
a payment plan and you have yourcredit back and restored in seven eight months.

(39:05):
Now. Any what Also if someonedoes file bankruptcy, say if it
was a husband and a wife andone of them passes away, is the
other one still on the hook asa personal guaranteur? That's a good question.
We're gonna talk about that in thenext segment. I want to talk
about that because I tell a lotof people stop col mingling debts, keep
your credit card by yourself, haveyour wife stayed separate, right, because
when you get divorced, one ofyou is gonna pay that and one are

(39:29):
you gonna be broke. Right,So one person's gonna pay it, one
person's gonna win. But the problemthat happens when you get divorced. Let's
say the husband has to pay thecredit card debts. The husband's gonna some
of the husbands, some guys getthey don't want to pay it. They
let it go negative just to bespiteful. Right, Yeah, that's true.
You got a good point there.You know what I want you to

(39:49):
do? Give out your pertinent contactinformation, phone number, web address how
people can get ahold of you,and once again focus. On February fourteenth,
we're gonna be at Saint Demetrius wherewe're doing on the Valentine's Day business
expone healthfare, and Andy'll be therebecause he's going to be doing some presentation
on financial literacy and we're gonna beadvertising that over the next few weeks.

(40:10):
We'll be at the Greek Festival advertisingit from the first through the fourth with
Father Pete, and we'll also beadvertising it in the Pelicans. So we're
excited about that. Go ahead,Allie, Andy Suku Financy O White K
Credit Solutions. Our website is wwdot y two K Credit Solutions dot com,
Instagram is White two K Underscore CreditSolutions Twitter, White two K Credit
and we have a YouTube channel ourFun nubers five one six, five six

(40:32):
eight four five four to one.But guys, twenty twenty four is here.
We're eighteen days into it. Let'snot make twenty twenty four you'd like
you twenty twenty three. There yougo, There you go, go,
Andy, Thank you so much.We're now streaming live on the iHeart app
on Saturday, the twentieth of Januaryfrom West Palm Beach, Florida. Try
to stay drive this weekend. Thoughtssir? Are you ready to take control

(40:57):
of your finances? Y two KCredit Solution. This is not your average
credit restoration firm. We specialize insettling both consumer and business credit debt and
help in removing negative items from yourcredit report. Our strategic deletion model guarantees
a one hundred and twenty three pointboost in your credit score within thirty days.
Nothing comes back on your credit reportin ninety days. Regain your financial

(41:19):
power with Y two K Credit Solutions. Follow us on YouTube and Instagram,
or visit y two K Credit Solutionsdot com. Good morning, welcome back
to the show. It's Saturday,January twentieth, twenty twenty four. We're
privileged to be here at a wetwestpoone Beach, Florida, or we're streaming
live on the iHeart app from iHeartRadioin West poone Beach, Florida with US
Corporate Trustee Ambassador, Doctor Walter BuckCampbell from TCM Traditional Chinese Medicine and I

(41:45):
Love My Vision Institute in Lauderhill,Florida. He's located at forty three hundred
North University Avenue in Folks. Iimplore anybody to go to YouTube, take
a look at doctor Campbell's resume,take a look at what he's done.
There's so many success stories. AndI know that on the fourteenth of February
he's going to be with us atthe Valentine's Day Business Exponent Healthfare that we're

(42:07):
doing at Saint Demetrius where they're alsodoing the Greek Festival the first of February
through the fourth also with us thismorning, co host of the weekly radio
programs Corporate Trusty Investor Andy Suku fromy two K Credit Solutions, Doctor Campbell.
The floor is all yours this morning, sir, Go ahead and share
some of your pearls of wisdom,open mic talk about whatever you want to
because we want to listen. Goahead, sir, Okay, Well,

(42:30):
you know I've been working on visionhere for twelve years. It made some
breakthroughs over the years, and wemade another breakthrough about three months ago.
So you know, we inject homeopathicremedies, you know, which are it's
quantum physics. It's not a nerve, it's not it's not a drug.

(42:52):
It's it's an energy, if youwill, in an injection. You know,
that's a whole discussion in itself.But I've been injecting the integrating it
with the Chinese medicine and the channelsthat lead to the eye in Chinese medicine,

(43:12):
which is primarily the stomach channel.So in your eye, the stomach
channels go into your eye right underthe eye into the orbit. But an
inch down from the eye in themiddle of the eye is stomach two.
And then there's two other points justlateral to the belly button or the umbilicus,

(43:37):
which is stomach twenty five. Andthen there's two other stomach points in
the middle of the feet right infront of the ankles, called stomach forty
one between the two tendons. Soif you have two perfectly tuned guitars,
then you put one on one walland one on the other, and you

(43:58):
ring the e string on the oneguitar, the other guitar will the east
ring will ring by itself. That'sa harmonic resonance. However, if I
ring both e strings at the sametime, the energy released is synergetic,
which means it's slightly more than theenergy you put into it. So,

(44:23):
using that theory in the quantum physicsof homeopathy, I inject stomach two under
the eye, stumma twenty five nextto the belly button, and stomach forty
one in its feet, and thatwas giving me really good results. And
a couple months ago I had somebodythat wasn't improving as fast as I,

(44:44):
Like, we have an octi scanner, and I looked at her, her
retin and whatnot. She should beresponding faster, and she wasn't. So
I got an epiphany to inject theback of the skull, just under the
skin, not into the brain oranything, but just under the skin,
right next to the skull. Youcan look it up. If the point
is gallbladder twenty it's a normal pointthat we normally needle, and I injected

(45:08):
that as well. Well. Shehad retinitis pigmentosas she was in the Turks
Turk's Islands, and she got upoff the table after the injections and sat
and looked at me. She says, oh my god, doctor Campbell,
I can see her face, andthen she started to read My diploma was

(45:29):
on the wall from about ten feetwhere she couldn't see any of that before
she got on that table. Andshe's held a vision for about three months.
She came in here a couple ofweeks last week and we injected again
and her vision cleared up again.So I've been using it now for over
two months and getting some marvelous results. Having said that, I've had a

(45:53):
couple of people that did not respond, but for the most part, four
out of six respond very very well. So we work on vision here and
we return vision to some seriously visionchallenge patients beyond any of their expectations.

(46:14):
We have some that we haven't,but for the most part we do.
We do very well with it.So there's our chapter for this week.
You know it's amazing, doctor.I kid you not. I always chastise
you and I always tease you aboutwriting that book. I would say that
only one and a half percent becauseit'll be a New York Times bestseller,

(46:35):
and I seriously wish you would doit because I know there's a lot of
people out there that would buy yourbook, because you know, you've done
a lot in your life and you'vehelped a lot of people. And I've
had the pleasure of working with youin person for a couple of years now,
and I'm probably to be doing itagain in the twenty twenty four because
you bring so much to the table, and I encourage anybody out there.
You know, if you think youwent through the Ringer for lack of better

(46:59):
grammar, you think that you knowyou're at your wits end and there's no
chance that you can be cured,or you know, doctor Campbell's helped people
that what I say in the eleventhhour, people were like they were just
saying, you know, if theysee their hands, I'm saying, well,
if this is going to be mywaterloo, it's going to be my
waterloo. And you've turned those peoplearound. And that's ironic because you know,
it takes a special human being todo what you do, and you

(47:21):
do it quite well. And we'revery, very interested in trying to help
you obtain as many patients as possiblebecause we've seen the success stories and we've
had an opportunity to be there withyou and watch you and no kudos and
hats off to you and your team. You've got a great team and we're
really happy about working with you forthe coming year. Thank you so much.
Well, you know I need toadd this to the last chapter there

(47:45):
that in stimulating the eyes with thefront and then synergistically stimulating the visual cortex
at the same time, I'm stemmingthe eyes had a synergistic effect which in
a lot of cases improved vision withinfive minutes. It's really cool. That's
awesome. That is awesome. Sodoctor Campbell, I have a question asked

(48:07):
you with this whole eye treatment,do you what do you think about laser
or Lasik. Well, Lasik's treatmentis why I'm in vision. About twenty
three, twenty four years ago,I got Lasix and they made some kind
of mistake and they kept on burningmy eyes with this laser, and the

(48:30):
next day I saw really well.Two years later, I took a nap
and I got up and I hadfloaters and very foggy vision, could barely
see. And you know, ifyou do an oct I scan of my
retina. It looks like shredded wheatbecause they burn the hell out of my
retina, and so I'm not afan. Now the LASiS they do now

(48:52):
is much more sophisticated and it's alot safer. The changing the lens,
you know, for cataract. Theygot it down to like eleven twelve minutes,
and it's very non invasive. Ihad several patients do that, and
I'm not against LA six, Butif you have serious eye problems, glaucoma

(49:15):
or anything like that, I'm alittle concerned that you start operating on the
retina or burning the retina when youalready have problems. It may exacerbate,
not right away, but in ayear or two you might have some serious
problems. But if your eyes arepretty healthy and you just can't read,
and you're fifty years old, andyou get some LAY six, and it's

(49:37):
good. But back when I gotit, it was almost new and it
was not fun. Let me tellyou, gotcha, doc, I'm hearing
that music. We got about thirtyseconds left. Go ahead and give your
contact information how people can get aholdof you until we have you on next
segment. Okay, I'm here inlauder Hill forty three hundred North University Drive.

(50:00):
The telephone number to make an appointmentis three zero five seven six zero
two four one four. You goto YouTube, put in a search engine
doctor Walter Campbell, Doctor Walter Campbelland a search engine, and you can
see all the things we do att c M Physicians dot com. God

(50:24):
bless you, Rob. Thank youfor all your help and getting the word
out for us. Not a problemdoctor. We appreciate you. Thank you
so much, and we'll have youon next segment. Have a wonderful weekend,
sir. You help make it better. God blessed, Thank you,
sir. Doctor Walter Campbell with TCMPhysicians offers traditional Chinese medicine, offering acupuncture

(50:47):
and ourricular therapy. TCM physician specializesin vision disorders, chronic pain relief and
dementia. Right now, take tenpercent off the vision restoration protocol when you
mentioned this radio ad achieve optimal healthwith TCM Physicians. Call fore you five
seven six zero twenty four to fourteento schedule an appointment today for visit tcmphysicians

(51:07):
dot com. That's Tcmphysicians dot com. Wellness awaits hey I'm Rob, the
director at the Greater South Florida Chamberof Commerce www dot Greater South Florida Chamber
dot com nine five four five eightzero eight eight zero two. You're listening
to one of our weekly radio programshere at iHeart. If you're interested in

(51:28):
becoming a guest on the show,or advertising with daily and weekly commercials,
or participating any of our upcoming exposand events, please reach out to us
at nine five four five eight zeroeight eight zero two. Buying or selling
your home, contact Crollrealty and Crollrealtydot com for the best deal. A
boutique style real estate company since nineteenfifty one, Kroll Realty offers Broward and

(51:52):
Palm Beach County real estate experts withunparalleled knowledge and local expertise. Just looking
Register at Crollrealty dot com, afree website with out any hassles. Sign
up for email updates on your searchcriteria, use the resources, and more.
Again, that's Krollrealty dot com.K R O L L reelt dot
com. We roll with Kroll.You've been listening to the Greater South Florida

(52:14):
Chamber radio program with your host toboard president John Kroll of Kroll Realty,