Give Me Credit Episode 44

Give Me Credit Episode 44

Attorney David Cox of Two Rivers Law returns to Give Me Credit for a second conversation with hosts JS Whaldo and John Mackey. This episode dives into the realities of legal judgments and debt collection. Winning a lawsuit may establish who owes money, but collecting that money can be expensive, difficult, and time-consuming. Topics include: Why a judgment doesn't guarantee payment Writs of execution and bank levies What assets creditors can pursue Protections for primary residences and essential property Why collecting debts is often a business decision Negotiating settlements outside the courtroom Practical considerations for both creditors and consumers Attorney David Cox explains why debt recovery often comes down to leverage, negotiation, and realistic expectations. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe [https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Give Me Credit Episode 43

Most people think a home appraisal is just another box to check during the mortgage process. It is not. In our latest episode of Give Me Credit, we break down what an appraisal actually is and why it can completely change the direction of a real estate deal. We talk about: • Why appraisals are legal, data-driven arguments• The difference between appraisals, inspections, and tax assessments• Why listing prices do not determine value• How market evidence drives lending decisions• Why emotions often lose when the numbers hit the table• The growing role of regulations and third-party oversight This conversation pulls back the curtain on one of the least understood parts of home buying and refinancing. If you have ever wondered why a deal falls apart even when everyone “feels” the price is right, this episode explains it clearly. Listen now and share it with someone buying, selling, refinancing, or working in real estate. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe [https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Give Me Credit Episode 42

What happens when credit systems stop seeing people and start seeing patterns? In this latest episode of Give Me Credit, John Mackey and I welcome ethics professor Neil Tift back to the podcast for a deeper discussion about algorithmic credit systems and the growing power imbalance inside modern lending. We talk about: • How predictive data can override human context• Why financial hardship often gets treated like personal failure• The ethical responsibility of lenders and system designers• Capitalism with a conscience• What happens when algorithms quietly manage opportunity This conversation goes beyond credit scores. It touches on fairness, accountability, and the real lives affected by automated decision-making. It may be one of our most important conversations yet. Listen now and tell us your thoughts. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe [https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Give Me Credit Episode 41

In this episode of Give Me Credit, John and I sat down with Mike Brennan, founder of The Realty School, and we talked about a gap in real estate education that doesn’t get enough attention. Real estate agents are not being trained in financial literacy in any meaningful way, especially regarding credit, debt, and how buyers qualify for a mortgage. I Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe [https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Give Me Credit Episode 40

This week on Give Me Credit, John Mackey and I sit down with real estate educator Michael Brennan, of The RealtySchool.com, for a conversation that goes far beyond passing a licensing exam. We explore what real estate professionals are actually responsible for during a transaction, including contracts, disclosures, negotiations, legal liability, ethics, and protecting consumers from costly mistakes. Michael also breaks down the difference between simply holding a license and becoming a REALTOR®, including the professional standards and continuing education requirements that shape the industry. One of the biggest takeaways from this discussion is that buying or selling a home is not just a sales transaction. It is a major financial and legal event that can impact families for decades. The professionals involved carry real responsibility, and education matters more than most consumers realize. If you’ve ever wondered what happens behind the scenes in a real estate transaction or why experienced professionals matter, this is an episode worth hearing. Listen now on Give Me Credit. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe [https://jswhaldo.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]