Surf City Lawyers - March 2018



understatement. Jocko Willink and Leif Babin use their experiences as former U.S. Navy SEALs to provide a backdrop for their views on leadership. Their stories drop you right in the middle of the action, both on the battlefield and within the confines of corporate America, in order to teach you invaluable leadership lessons. The book is divided into three main points and designed to make it as easy as possible for you to apply extreme ownership in your own life. WINNING THE WAR WITHIN Leaders are responsible for everything and everyone within their purview. Willink and Babin make the bold assertion that there are no bad teams, just bad leaders. They use examples from the battlefield and the boardroom to show that all failures can be traced back to poor leadership. LAWS OF COMBAT Simplify, prioritize and execute, and decentralize command. Applied to an office setting, these

combat strategies show how simplifying plans and organizing priorities will improve your operational efficiency. While there is a need for clearly designated leaders, junior leaders must be empowered to make their own decisions — and their own mistakes. SUSTAINING VICTORY To drive their point home, Willink and Babin provide a plan for how to implement and sustain the concepts of extreme ownership. They highlight the importance of decisiveness and show you how to create planning checklists that enable your team to operate like one fluid unit. “Extreme Ownership” differs from other leadership books by emphasizing that there can be no leadership where there is no team. Its main points revolve around the importance of teams, not just individuals. Leaders who embody extreme ownership don’t just take the blame for mistakes — they own them.

Effective leadership is the most important key to success, and to say that “Extreme Ownership” will empower you as a leader is an

Americans are feeling the burden of student loan debt more and more every day. For many people, student loan debt has become such an overwhelming prospect that they’ve accepted they’ll be paying for their education for the rest of their lives. But this doesn’t have to be the case. The best solution to getting rid of your student loan debt could be bankruptcy. This may sound extreme because of the taboos surrounding bankruptcy, but that couldn’t be further from the truth. Surf City Lawyers has been able to single-handedly discharge over three quarters of a million dollars in student loan debt, and Christine Kingston is on track to be the first attorney to discharge over a million. TAKE THE FIGHT TO YOUR STUDENT LOANS With Christine Kingston as Your Weapon

3. GOOD FAITH EFFORT TO REPAY The debtor has made consistent efforts to repay their loans and has a good record of consistently making payments on time. This is something that we are not only passionate about doing for you, but about educating you on as well. Christine is a national leading authority on student loans. She has written a book, spoken on multiple panels, and has been a strong proponent of student loan reform. We are confident there is no one in the country better for your fight against student loans. We will battle for you like zealots to make sure you don’t get buried alive in insurmountable debt. It’s our drive, our passion, and most importantly, our calling.

The key to winning a student loan debt case is based on the three-part Brunner test:

1. PRESENT UNDUE HARDSHIP This states that the debtor cannot maintain the minimum standard of living based on their income and expenses. 2. CONTINUING UNDUE HARDSHIP Not only can they not maintain their standard of living based on their income, but they also have circumstances beyond their control that would prevent them from having that hardship change. 2

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