WEBVTT

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Yeah, ripped news. Didn't need
ad that's who you don't have. Come

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running just as fast as we can. Show Shooter's gonna help come Man Dix

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is the Troubleshooter Show. No Tom
Martino, Hi, Tom Martino here,

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Welcome to the show. Three oh
three seven to one three talk three all

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three seven one three eight two five
five. Welcome to the show. John

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Fuller's with me today. Fuller Law
plus just a good all around nice guy

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and bottle washer. And we also
have your calls to talk about. And

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man, has this show gone off
the hook lately? And I am so

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happy to talk about one follow up? And I will salute the Adams County

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District Attorney's Office and yes, Brighton
Police Department. But no, hold on,

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now there's some qualification there if you
recall this case, Oh my god,

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it was un believable. We'll talk
about this, the stolen truck,

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the guy found at the courthouse,
blah blah blah. And then what about

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this murder trial. One guy,
supposedly completely innocent, just shows up to

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get furniture and he's attacked and he
kills the guy with a gun which he

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didn't own. He says he didn't
know where it came from. The brother

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the guy was killed. We're working
on that one. And then we have

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a lot of other things going on
now, Kachina, to bring you up

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to date. We had a guy
we ended with with TAXI. Let's try

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to get some of our tax people
on. Remember Tony, did you get

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his information so we could call him
back? And then also we have I

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want to get Brooke on from the
solar company because we have a solar issue

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on the line. Plus she actually
worked on two other solar problems that I

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think are solved. So is this
thing working? Hello? Anybody hear me?

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Could Sheena hear me? No?
Okay, Shannon, can you relate

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that information to her? I will
do what I can, but that's a

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thick candy coating our tax expert.
Please. And then what else? Hard

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to say? Solar Brooke? Okay, I'm going to put it down on

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call notes. Okay, no,
I'll call it under show notes. Anyway,

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Welcome to the show. Three zero
three seven one three talk Now,

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another thing I want to talk about. I got new romantic lighting on mood

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lighting. Now I toned it down
a bit. Now, my YouTube morons,

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you're never going to admit I look
good. But how about if you

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can admit it looks better than the
previous lighting or whatever. I digress.

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Let's go to the phones. Threeho
three, seven to one three talk Jeanette.

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You have a solar issue, and
we're going to get Brooke on from

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Red Rocks Solar, A roof and
Solar to talk about some other issues as

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well. But right now, what's
your problem there, Jeanette? What's going

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on with you? Hello, mister
Martino, can you hear me? I

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sure, Ken, what is happening? I have learned so much by listening

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to your radio broadcast and I thank
you for your time. Thanks. I

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am a part of the city of
Edgewater and you live in it. Is

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that what you mean you live in
Yes, I live in Edgewater and I

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have a board position, not paid, but part of the sustainability group.

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And what we have we met this
week and we go through a number of

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things to try to improve things in
the city. And our city has placed

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the solar on top of the Civic
center and that has gone really well.

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However, the company that we have
utilized for citizens to utilize solar, and

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that company is called Solar United Neighbors. Now, how did you find solar

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How did you find Solar United Neighbors? And why would you as a town,

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why would you make recommendations to one
company? I do not know the

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complete answer, but I suspect that
over this last year we had the energy

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person within the City of Edgewater,
again a non paid person, but someone

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who works towards the city or before
the city. I really don't know how

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we ended up with Solar United Neighbors
and maybe Okay, all right, so

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anyway, let me ask you this
though you said that Edgewater has been recommending

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them. Are there problems with Solar
United Neighbors. Yes. What I had

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gotten at our meeting this week was
there's confusion between the Solar United Neighbors and

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then the citizens. And so I'm
well, tell me what's going on.

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What's the problem? People would ask
for information from Solar United Neighbors and there'd

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be a a long wait to get
information, and then the people on the

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other end, they may not be
well trained because they're not getting information,

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which, of course that becomes a
big friend. Hold on a second,

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Jeanette, just wait, I got
a I got one of my solar experts

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on brook White. She's with Red
Rocks roof and solar. They're doing a

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great job. They really are.
Now I trust them. So, Brook,

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have you heard good Man? I'm
a good woman. I mean good

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good Brook, I said, good
Man, good bro Hey Brook, have

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you heard of this Solar United,
This Solar United Neighbors. Yeah, So

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they typically work with solar gardens where
they build big solar projects for communities so

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that residents don't have to put solar
on their home. They put it out

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someplace else and then they do metering
on the bill. So solar gardens,

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meaning that's what they do. They
specialize in solar gardens. Yeah, exactly.

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So that way, the solar panels
don't go on the home, but

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the homeowner still gets net metering for
their bill off that they just essentially purchase

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a part of the solar garden.
Okay, but that has nothing to do

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with individual systems. Then what I
don't understand is why is Edgewater recommending Solar

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United Neighbors. And now the name
makes sense. Solar United Neighbors. They

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make basically solar fields and sell parts
in them. So did you understand,

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Jeanette, that's what it is.
They're not individual systems. You know,

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my area within the sustain No,
I just need to know did you know

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that? Did you know that's what
they do? That's where the confusion is.

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I'll bet you people are calling for
a solar system and they're being told

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they got to get their neighbors together
make a solar array for all of them.

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I do not know what has been
communicated from the city regarding solar panels.

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What I'm hoping for is I can
get a phone number. I can

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call Brooke on yes, yeah,
and then she can speak with our energy

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person. Because what's the problem now, what prompted the call today? Let's

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put it that way. In our
meeting this week, one of the topics

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was the solar united neighbors and that
people in the city are confused by the

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information or put on hold or not
getting what they need in terms of that's

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easy, you just call someone else. I mean, for God's sakes,

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there there can't be some kind of
an exclusive the city has. Aren't people

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free? Aren't people free to call
anyone they want? Depending on the HUA?

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And I apologize for interrupting. If
you're within an HA, they can

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restrict the solar insults for an HUA
to three specific contractors. They can't limit

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it to just one. But if
you are in an HA, your AHA

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may restrict to the contractors you can
use for the project. What about cities,

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though, Brook, have you ever
heard of a city going with one?

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No, No, they can't do
that. Here's what I'm gonna do.

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I'm going to give you Brooks information
at red rocks and the website.

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By the way, since you're on
the line here, you just get that

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it's redrocksars dot com. But that's
a very basic website and you should talk

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to Brooke. I mean, I'm
not saying it's a bad website, but

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I mean for your intricacies and you
want to talk about this, I'm going

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to give you her number, and
it's again redrocksars dot com and it's three

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oh three seven zero four yes,
two four four nine excellent. Thank you

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so much. All right, thank
you? Would you let us know how

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it goes up? Brook? And
thank you Brooke. Hang on, I

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got another couple of problems that you
emailed me about. I want to go

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over. Are you ready to talk
about those follow ups? Absolutely cool?

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I want to do that. Three
oh three seven to one three talks seven

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oh three seven seven to one.
Help. You'll think you're his only customer

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when you choose Frank durand the real
estate Man dot com to list your home

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with Remax Alliance three all three nine
two zero sixteen twenty two. Tom Martino,

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your troubleshooter three O three seven one
three talks seven one three eight two

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five five For the guy that texted
me about sustainability, that's not the kind

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of sustainability we're talking about. For
that, you need viagresser, and even

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that doesn't work in all cases.
But I think you meant it as a

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joke. But okay, anyway,
three all three seven one three, talks

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seven one three, eight, two
five five. Brooke White is with Red

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Rocks, roof and Solar. And
I'm serious when I say this. She's

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an expert and they have a good
company. Man. I'm glad we hooked

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up on this company because I learn
a lot and I want to know about

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these problems. First, let's recap
the ones you're working on for us and

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what happened in them. So let
me find the originals. What are we

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talking about, Brook, Yeah,
absolutely so Why in Alexis got a system

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installed by one Solar in Valor and
that, according to Excel, is never

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going to be able to keep.
Now, now let me explain this.

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When when they had this system installed
One Solar and Valor they both dropped the

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ball. Now, by the way, Brook's not saying this, I am.

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It was in October of twenty twenty
two. It should have never been

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built there, and Brooke did say, if you do your due diligence,

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you would know that. But instead
they went ahead and built it anyway and

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hooked them on this loan and it
was fifty four thousand dollars system. They

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can't be activated, can't be used. That's the bottom line. So what

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happened. Yeah, So by communicating
with their Fridays in company and sending them

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the PC or Public Utility Commissions investigation, the financing company was able to see

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that this is never going to achieve
PTO and now they're in negotiations to get

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reimbursed or taken off that long.
So then after that we can figure out

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how to get their roof fixed.
Now, what about the system. What

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happens to the system? It gets
removed? Yeah, so the system can

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get removed and then we would start
then the next round of negotiations for removing

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the system, returning the equipment,
and then having the roof replaced. If

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the one solar and or Valor doesn't
want to compensate the homeowners for the new

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roof, then the equipment doesn't get
returned. The equipment could just get solved

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to pace of the roof. You
know, I can't believe the noise.

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And again this is not Brooke,
but this guy from Valor was so indignant

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about my show about them and about
how they dropped the ball and all the

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multiple complaints we've had. He was
literally indignant, demanding that he give his

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side of the story. And I
said okay, and then he said,

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well, I'll get in touch with
you, and I reached out to him

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a few times. There's no excuse, and he knows it. They are

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a sucky company when it comes to
solar. I don't know about their roofing

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division. I know that they suck
when it comes to solar. They deal

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with one solar. They suck,
And I tell you avoid valor and avoid

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one solar. They are, in
my opinion, sleazy contractors that should be

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avoided. Okay, what's the next
one you worked on? Yeah? So

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this other gentleman, he had what's
his name. Yeah, So this gentleman's

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name is Jeff. His first system
wasn't producing a power, So we wanted

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to a second system. Oh,
that one was queer. That was weird.

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Here's what happened. He had a
system sold to him that was undersize,

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and it looks like they just wanted
to get a sale, and so

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he went ahead and did it.
And then another company came and said,

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hey, we can add some stuff
to this solar system and some panels and

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make it bigger and all of that. And this other company said they could

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triple the capacity. Whatever happened with
that, Yeah, so it's clear to

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show that nothing's been worked on this
project for over a year. So I've

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been in communication again with a finance
company and sending them the information and doing

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the due diligence and by doing so
or no and negotiations again, or the

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loans either be completely dropped and this
and then being able to kind of do

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the same thing that. Yeah,
let me ask you something, Brooke on

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this system. Did they ruin the
system by trying to add to it?

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Or is the original system still working? They ruined this system by trying to

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add to it because the new system
didn't have the approach rate equipment to attached

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to the old system. And who's
who's the new company? Who is the

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new company? I believe it was
Shield Energy, But from all accounts,

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those folks have gone bankrupt at this
point. Oh man, you know what,

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Yeah, I just can't believe the
clowns in your business. I can't

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believe it now now Shield Energy now
to be okay. So let me ask

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you this tack you're taking. What
is it all about when you go to

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the finance company? What what are
you using as your hook? Yeah?

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So mostly you're just describing the fact
that the homeowners can either never achieve permission

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to operate or it would be a
significant investment for the projects to be six

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And most of the time, when
it comes to things that are outstanding for

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more than a year to eighteen months, it's easy to see that there's an

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issue within the contract. But why
would the finance company take the hit?

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Why would they take the hit.
They've already taken the hit in the case

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of the individual who went bankrupt in
the other cases, so in that case

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they can't get any money back.
But for them to go after a homeowner

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after this evidence, it would be
bad pr on their end, especially when

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the cost out of the bank really
isn't that much. When it comes to

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systems where the company is still actively
installing, as is the case with one

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Solar, then again, the finance
company doesn't want to have that bad reputation

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on their name or those bad reviews, because those do effect and if enough

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complaints get filed then it can actually
cause issues within who they can send loans

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to. Brook. I appreciate all
the help. Regulated. Yeah, so

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sorry, Tom, no go ahead. So solar is such a highly regulated

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industry because there's so much federal money
in it. I mean, it's sustidized

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by the government at a pretty heavy
rate. I think everybody can agree to

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it. So lending companies have to
adhere to bridget CODA. That's why,

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by the way, redrocksars dot com
if you want to get a hold of

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00:18:07.480 --> 00:18:11.079
Brooke, if you're thinking about a
system, even commercial systems, they have

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00:18:11.240 --> 00:18:15.279
grant writers that can get some of
them paid for. Three three seven zero

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00:18:15.359 --> 00:18:19.440
four two four four nine is their
number, redrocksars dot com. Now,

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00:18:19.559 --> 00:18:22.400
John Fuller, have you ever heard
of any other industries? Now, John,

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00:18:22.440 --> 00:18:25.880
of course is a personal injury attorney, but he's here as an expert

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as well. John, have you
ever heard of where finance companies get in

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the middle they finance something, the
company doesn't come through in the breach of

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contract. It seems to me,
in a pure world, you still have

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a loan. Yeah, that's kind
of scary that they can unravel that kind

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of after the fact that that almost
sounds like they have protections that most finance

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companies really don't. Yeah, I
think it's because of the solar business.

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00:18:52.039 --> 00:18:56.519
Maybe when you get it now,
I know there was some there were some

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I'm trying to recall there were some
other industry I remember over the years where

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people had loans and the contractors went
belly up and the loans were forgiven.

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00:19:10.920 --> 00:19:18.880
But I think they were cases where
the contractor had a white label finance company,

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so they kind of financed it through
their own company, like they were

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an agent for the finance company.
In others, it was almost like it

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was their financing, you know,
like you come with us, you get

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00:19:30.400 --> 00:19:34.839
your own, we have financing for
you. And in those cases they were

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homeowners. This was years ago.
We're able to because of the breach of

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00:19:41.119 --> 00:19:47.079
the contractor who was also an agent
for the finance company, they were able

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to get out of the loans.
Does that make any sense to you,

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00:19:49.160 --> 00:19:52.920
John, No, not really.
But you know, it's almost like student

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loans that are not dischargeable in bankruptcy. You know, it's not exactly like

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00:19:57.359 --> 00:20:02.279
they're the only industry that had p
as out there. And with the exception

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of the federally subsidized stuff that they're
now trying to forgive, people have for

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years never been able to get out
of student loans, even though they were

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demonstrably predatory and ridiculously overpriced in comparison
to the value you got. So now

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I believe there were some cases with
trade schools where people got student loans and

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the trade schools went out of business
where they forgave the student loans, and

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again they were more or less going, you know, accompanied by fraud,

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though. I mean that that was
kind of the argument that they were victims

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of fraud and that the lenders were
you know, were in on it.

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00:20:40.799 --> 00:20:45.000
They were colluding with the schools intuition
and and kind of write these loans so

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00:20:45.039 --> 00:20:48.519
that they could take these huge loans
out. And the schools were getting you

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00:20:48.519 --> 00:20:55.200
know, massive amounts of money compared
to the you know, watermelon farming degree

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00:20:55.359 --> 00:20:57.799
or whatever they came up with.
I mean, they were, they were

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00:20:57.799 --> 00:21:02.440
in on it, and so they
I kind of deserve to not be able

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to maintain the fruits of their you
know, illegal activity. Okay, that's

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00:21:07.000 --> 00:21:10.440
John Fuller Fuller Law. By the
way, we have more coming up,

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00:21:10.480 --> 00:21:14.039
and I just want to say,
I guess I should feel privileged John and

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00:21:14.160 --> 00:21:18.160
company. And I'll tell you why
I'm getting emails now from Robert de Niro.

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00:21:19.799 --> 00:21:22.359
Well, that makes total sense.
I mean, a man of your

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stature probably runs in those circles.
No, but I think everyone is because

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00:21:26.920 --> 00:21:30.359
it's it's addressed to kind of like
a bunch of people. And it's about

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00:21:30.359 --> 00:21:34.799
Biden and what a good man is
I mean, since when did de Niro

256
00:21:34.960 --> 00:21:41.119
become such a political animal? My
god? Anyway? Three oh three seven

257
00:21:41.240 --> 00:21:45.279
one three talks seven one three eight
two five five eight eight eight. Heating

258
00:21:45.359 --> 00:21:49.839
dot Com has the risk free service
fee. You like that, hey?

259
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That means you call them for twenty
eight bucks to your home for any one

260
00:21:52.559 --> 00:21:56.240
item that needs service. They'll service
it. If you have a serious problem,

261
00:21:56.640 --> 00:22:02.599
they will then credit you the twenty
eight And it's really a risk free

262
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service fee. I mean twenty eight
bucks plus you get a service and that's

263
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eight eight eight heating dot Com three
oh three seven seven zero two seven seven

264
00:22:11.480 --> 00:22:21.000
six Go with a sure thing Denver's
best roofer Excel Roofing dot Com. You

265
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don't pay a cent until you're content. Time for an insurance checkup, free

266
00:22:27.119 --> 00:22:33.759
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance

267
00:22:33.759 --> 00:22:37.519
companies find out now three all three
seven seven to one help. You'll think

268
00:22:37.519 --> 00:22:41.559
you're his only customer when you choose
Frank durand the real estate Man dot com

269
00:22:41.599 --> 00:22:45.279
to list your home with Remax Alliance
three all three nine two zero sixteen twenty

270
00:22:45.279 --> 00:22:53.000
two. Hey, I'm Tom Martino, your troubleshooter three all three seven one

271
00:22:53.039 --> 00:22:56.759
three talks seven one three eight two
five five. Let's talk to Andre about

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00:22:56.759 --> 00:23:00.400
a truck and the truck by the
way. And then John, of course

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00:23:00.440 --> 00:23:08.359
wants to talk about now a mass
cat killing. And then Michael he lost

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00:23:08.400 --> 00:23:12.240
his cell in a lift by the
way. Similar thing happened to Mark.

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00:23:12.279 --> 00:23:15.880
He went to small claims court and
won. It wasn't lyft. I don't

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00:23:15.880 --> 00:23:18.160
think it might have been the other
one anyway. What's going on? Andre?

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00:23:19.519 --> 00:23:25.319
Hey man? Good man? What's
happening with you? All right?

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00:23:25.359 --> 00:23:27.200
So I took your advice last week. I got rid of that shrug.

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00:23:29.079 --> 00:23:33.920
Now let's talk about this, okay. I want to bring people up to

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00:23:33.039 --> 00:23:37.440
date. I'm looking for your original
call. So why don't you start?

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00:23:37.480 --> 00:23:38.839
What was the original problem? While
I look? Oh, here it is

282
00:23:40.119 --> 00:23:45.759
the two thousand and seven GMC Sierra
Turbo diesel from AutoNation. In July of

283
00:23:45.759 --> 00:23:48.799
twenty twenty three, you signed a
contract you did not read, and on

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00:23:48.880 --> 00:23:53.640
the contract was a five thousand dollars
warranty that you paid for one week later.

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00:23:53.960 --> 00:23:59.079
You drove it and had multiple problems. So far you've spent thirty seven

286
00:23:59.160 --> 00:24:03.160
hundred in repair. And as I
remember, what they said was a covered

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00:24:03.200 --> 00:24:06.640
part was failed, but it was
failed by an uncovered part, so they

288
00:24:06.640 --> 00:24:10.200
wouldn't cover it. Is that what
they said, Well, they wouldn't cover

289
00:24:10.240 --> 00:24:12.440
it because they didn't lift the lift
kit or the turbodiesel motor when they wrote

290
00:24:12.480 --> 00:24:15.680
up the warranty. Oh wait a
minute, Wait a minute, wait a

291
00:24:15.720 --> 00:24:18.920
minute. Then then that I don't
have that in these notes. If they

292
00:24:19.160 --> 00:24:23.119
sold you a warranty you couldn't use, they should give the money back on

293
00:24:23.160 --> 00:24:26.599
that warranty. And you know what, Tommy tipped me a little bit,

294
00:24:26.640 --> 00:24:30.160
but getting it back one hundred percent. They were trying to pro rate me

295
00:24:30.200 --> 00:24:33.160
for it. Oh my god,
Well no, no, you make the

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00:24:33.279 --> 00:24:37.680
argument you're not going to pro eight
And I'll tell you why you could never

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00:24:37.799 --> 00:24:41.759
use it to begin with. Oh, that's what I explained to him.

298
00:24:41.759 --> 00:24:44.599
And I had to get ahold of
a couple of different managers and could toss

299
00:24:44.599 --> 00:24:47.039
around a little bit. But they're
giving me a hundred percent refund on it.

300
00:24:47.319 --> 00:24:49.400
And you guys were on the money
with that transmission issue is about nine

301
00:24:49.440 --> 00:24:52.680
grand a fix. So got rid
of that truck, got a brand new

302
00:24:52.720 --> 00:24:57.680
Infinity with by the way, three
years free maintenance. Man, and and

303
00:24:57.839 --> 00:25:02.240
you got and you're getting five grand
back. I am so happy you called

304
00:25:02.240 --> 00:25:04.759
this, Andre, really, man, I'm really happy on that. That's

305
00:25:04.880 --> 00:25:11.960
cool, so so so everything could
anything else to report? Man? Thanks?

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00:25:12.000 --> 00:25:15.720
You guys should looking for a vehicle
in any different place to go?

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00:25:15.799 --> 00:25:19.160
Man, seriously, the okay,
don't have to worry about you know,

308
00:25:19.319 --> 00:25:23.359
you're not caring about their reputation is
ripping you off? I know, I

309
00:25:23.400 --> 00:25:26.440
know, man, it's it's a
it's a rough world out there when you're

310
00:25:26.440 --> 00:25:30.359
shopping for a car. But listen, thank you very much for call Andre.

311
00:25:30.400 --> 00:25:32.839
I appreciate it. John Fuller,
what do you think about that?

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00:25:33.319 --> 00:25:37.920
I've always made the argument if the
dealer sold a warranty that could never have

313
00:25:37.039 --> 00:25:44.960
been used because the dealer did not
list the disqualifying features, which are after

314
00:25:45.079 --> 00:25:48.079
market things, don't you think it's
logical they would have given that money back.

315
00:25:49.000 --> 00:25:52.960
They should. Yeah, I mean, if you think about it,

316
00:25:52.000 --> 00:25:56.799
because it's almost illusory in nature.
It they sold you something that under you

317
00:25:56.920 --> 00:26:00.440
can't use it. It was going
to cover all this stuff. Yeah,

318
00:26:00.480 --> 00:26:03.319
exactly. I mean, here's the
deal. Whenever you get an extended warranty

319
00:26:03.359 --> 00:26:11.240
people from a dealer, the dealer
is obligated to represent that vehicle accurately to

320
00:26:11.319 --> 00:26:14.400
the warranty company, but you don't
know if they did or not. You

321
00:26:14.480 --> 00:26:17.400
might have a lift kit on it. You might have aftermarket turbo, you

322
00:26:17.480 --> 00:26:21.920
might have a supercharger. Whatever you
have. It might negate that warranty that

323
00:26:22.000 --> 00:26:25.160
you just paid for, but you
don't even find it out until you have

324
00:26:25.200 --> 00:26:29.160
a problem. Theoretically, you could
have never used it. You get your

325
00:26:29.200 --> 00:26:32.920
money back, but the better thing
is don't let it happen. Andre,

326
00:26:33.119 --> 00:26:36.920
I appreciate we're going to add five
thousand, maybe even a little more to

327
00:26:37.039 --> 00:26:42.119
our uh our total of money recovered
in cash, merchandise, exchanges, refunds,

328
00:26:42.160 --> 00:26:49.680
and services. And I want to
talk about Michael. Yeah, yeah,

329
00:26:49.759 --> 00:26:53.799
thank you for thank you for pulling
out my dinger. I appreciate that.

330
00:26:55.480 --> 00:26:57.920
I should have I should have done
it. I'm always looking for the

331
00:26:57.920 --> 00:27:02.440
one talking about sustained ability and stuff. So yeah, that's right, that's

332
00:27:02.559 --> 00:27:04.799
right. Hold on, let me
see it was fairly in play, I

333
00:27:04.839 --> 00:27:08.559
believe. Yeah, did you hear
my dinger? I got it? I

334
00:27:08.640 --> 00:27:12.359
just did it. Okay, So
listen, let's talk. Let's talk what's

335
00:27:12.400 --> 00:27:17.480
going on Michael and the lift cell
phone. I think Mark would be happy

336
00:27:17.559 --> 00:27:21.559
to hear about this one, because
he uh yeah, I can you hear

337
00:27:21.599 --> 00:27:23.920
remark? Yes, sir, I
can hear you. Yep. Excellent,

338
00:27:25.000 --> 00:27:30.680
excellent. So it's been a week. Last Thursday I ran several errands and

339
00:27:30.759 --> 00:27:34.559
at the end of my day I
didn't pay attention and I left the phone

340
00:27:34.599 --> 00:27:40.519
in the lift and the normal contact
procedures and none of them worked, such

341
00:27:40.559 --> 00:27:44.720
as a phone number going directly to
the driver. And then after the five

342
00:27:44.839 --> 00:27:49.319
days of pounding the number and emails, I'm getting no results. Other things

343
00:27:49.359 --> 00:27:52.880
they have fund me confirmed that the
driver does have my phone, but that's

344
00:27:52.920 --> 00:27:56.759
all they're saying and asking me to
be patient. Of course, I've sent

345
00:27:56.799 --> 00:28:00.279
them my address and that type of
thing several times, and I have some

346
00:28:00.400 --> 00:28:07.000
relatives helping me hammer the email as
well, but I'm not getting any results.

347
00:28:07.039 --> 00:28:10.279
That's why I was hoping, Well, did you do the small claims

348
00:28:10.279 --> 00:28:14.079
court? No, That's probably what
I'm going to have to do to get

349
00:28:14.160 --> 00:28:17.440
my ounce of brush. I mean, I'm going to end up going well,

350
00:28:17.440 --> 00:28:19.519
and that's not going to be that
much trouble Mark. Here's what Mark

351
00:28:19.559 --> 00:28:23.839
says whenever he files a small claim. It all and I've watched him,

352
00:28:25.440 --> 00:28:26.920
Man, I don't even I lost
count. But here's what he does.

353
00:28:27.279 --> 00:28:30.240
He'll file it, he'll serve it, he'll get a phone call, and

354
00:28:30.279 --> 00:28:34.359
they'll settle. He has never gone
to court with any of them. I

355
00:28:34.359 --> 00:28:37.880
would love to know that procedure.
Well, here's what you do. The

356
00:28:38.039 --> 00:28:42.519
very first thing is you go do
you look for their registered agent and you

357
00:28:42.599 --> 00:28:49.440
serve them. It's that simple.
They have a registered agent and you fill

358
00:28:49.440 --> 00:28:55.240
out, you fill out the small
Claims Court form online, well, or

359
00:28:55.279 --> 00:28:59.279
you download to fill it out.
You serve them and then you do it.

360
00:28:59.440 --> 00:29:02.440
But you have to have a reason. So what is your reason?

361
00:29:02.559 --> 00:29:06.839
If you lost your cell phone?
How are they responsible? Mark had a

362
00:29:06.839 --> 00:29:11.400
hook on his There was a reason, Okay, he believed. I forget

363
00:29:11.400 --> 00:29:15.480
what they did, but in any
haste, go ahead. Well, I'll

364
00:29:15.480 --> 00:29:19.160
tell you what it is. They've
they've made it impossible to recover your lost

365
00:29:19.200 --> 00:29:23.480
merchandise. The phone number that they
had that was supposed to go directly to

366
00:29:23.519 --> 00:29:27.400
the driver was not connected to the
driver. And then after five days of

367
00:29:27.480 --> 00:29:32.359
founding that number it finally said this
is a list number, but it's not

368
00:29:32.480 --> 00:29:37.720
in service. So again, going
through the email system that they have set

369
00:29:37.799 --> 00:29:42.279
up, I'm talking to a bot. It's truly obvious because I've given them

370
00:29:42.359 --> 00:29:45.480
details that I lot, what kind
of phone it was, what time of

371
00:29:45.599 --> 00:29:49.400
day, who the driver was,
and then the response was Kyle, who

372
00:29:49.720 --> 00:29:53.799
was your driver? That's not what
I need to know, you know,

373
00:29:55.359 --> 00:29:57.960
So I sent by again, I
sent my home address. I've even offered

374
00:29:59.000 --> 00:30:03.240
one hundred dollars reward, and I
just can't get it back. Well,

375
00:30:03.759 --> 00:30:08.279
okay, so go ahead and do
your thing. I mean, I don't

376
00:30:08.319 --> 00:30:12.400
know if I don't know, if
I don't know if it's going to be

377
00:30:12.440 --> 00:30:17.680
recovered again. Mark is working on
our referless and other things. I would

378
00:30:17.720 --> 00:30:21.799
ask him, and if he's listening, maybe he'll text me on the hook

379
00:30:21.839 --> 00:30:26.960
he used to get to sue them. But if you just leave your phone,

380
00:30:26.160 --> 00:30:29.880
is it their fault? But then
you have another hook here and you're

381
00:30:29.920 --> 00:30:34.720
saying it's their fault because there's no
way you can even get it back.

382
00:30:36.039 --> 00:30:38.559
I don't know if that's legit or
not, but try it. Try it.

383
00:30:38.599 --> 00:30:42.119
Three oh three seven one three talk
you know something else you should try

384
00:30:44.279 --> 00:30:48.000
Frank Ran the real estate man and
his market analysis of your home. We're

385
00:30:48.039 --> 00:30:52.039
going to be hearing about that coming
right up, and I just want to

386
00:30:52.079 --> 00:30:56.160
say something about Frank. Okay,
this time I don't normally talk about He

387
00:30:56.319 --> 00:31:00.160
has the buying side, which is
phenomenal if you're looking for deals. They

388
00:31:00.200 --> 00:31:04.920
do buyers agency as well as selling
for people. Three oh three nine two

389
00:31:06.000 --> 00:31:15.480
zero sixteen twenty two. Go with
a sure thing Denver's best rufer Excel roofing

390
00:31:15.599 --> 00:31:22.079
dot com. You don't pay a
cent until you're content. Time for an

391
00:31:22.119 --> 00:31:27.960
insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage

392
00:31:27.960 --> 00:31:32.640
at dozens of insurance companies find out
now three oh three seven to seven to

393
00:31:32.640 --> 00:31:36.440
one help. You'll think you're his
only customer when you choose Frank Durand the

394
00:31:36.440 --> 00:31:40.960
real estate Man dot com to list
your home with Remax Alliance three all three

395
00:31:41.079 --> 00:31:48.559
nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three all

396
00:31:48.599 --> 00:31:53.599
three seven one three talk. I'm
getting various comments about my, uh my

397
00:31:53.720 --> 00:31:57.680
new lighting. You know, Stephanie
says ton that other lighting's a little bright.

398
00:31:59.480 --> 00:32:01.440
I think she saying it highlights me
too much, and you want to

399
00:32:01.519 --> 00:32:06.440
hide some of that program. So
anyway, I tried the natural light,

400
00:32:06.799 --> 00:32:09.799
but people are saying it shifts and
turns. That's the That's because the monitor

401
00:32:09.880 --> 00:32:14.839
behind me. So the monitor reflects. You know, it has different lighting,

402
00:32:15.279 --> 00:32:16.920
like the white in the middle or
one of them has black in the

403
00:32:16.920 --> 00:32:21.400
middle. So that's why it looks
like the light's changing. Anyway, I

404
00:32:21.440 --> 00:32:24.839
don't care. It's YouTube. What
do I care my morons and downloads.

405
00:32:25.279 --> 00:32:31.319
So I want to I want to
talk about this mass cat killing. John.

406
00:32:31.400 --> 00:32:37.160
What the hell are you talking about? John? I told you about

407
00:32:37.160 --> 00:32:39.519
it two months ago. Oh,
I remember you called. Yes, I

408
00:32:39.559 --> 00:32:44.799
remember you called and said that it
was even sanctioned by the city. I

409
00:32:44.839 --> 00:32:51.079
think you said your deputy broke three
promises in failing to return my phone calls.

410
00:32:51.519 --> 00:32:53.240
I need to know. I need
to know what you're talking about,

411
00:32:53.359 --> 00:32:57.680
Like, what what deputy did I
put on this. I'm trying to find

412
00:32:57.680 --> 00:33:01.200
the call email which I sent.
I sent and you haven't replied. Okay,

413
00:33:01.200 --> 00:33:04.400
but hold on a second. I'm
trying to find the call. Give

414
00:33:04.400 --> 00:33:06.759
me a break here, man,
Okay. I mean, it's not like

415
00:33:06.799 --> 00:33:09.680
we don't have problems everybody. You
don't let people finish their stories. Just

416
00:33:09.799 --> 00:33:13.640
no, that's not right, that's
not right. I'm not interrupting you.

417
00:33:14.200 --> 00:33:17.960
I'm not right. Go on on, no, let me finish. What

418
00:33:19.000 --> 00:33:22.119
are you talking about? Go on? Say it? Last sun I have

419
00:33:22.160 --> 00:33:27.240
no idea what you're talking about.
I talked to you about this two months

420
00:33:27.240 --> 00:33:30.359
ago. I know what. I'm
just kidding. Go ahead. Last Sunday,

421
00:33:30.440 --> 00:33:35.559
two of our key witnesses were killed
in a suspicious house fire, and

422
00:33:35.599 --> 00:33:38.640
they were suing the owner of a
sustain a minute crack house next to theirs

423
00:33:39.039 --> 00:33:43.599
that burned was destroyed by Wait a
minute on the inside. Are you telling

424
00:33:43.640 --> 00:33:46.200
me that people who are killing cats? Oh? Do? Will you stop

425
00:33:46.240 --> 00:33:50.400
interrupting me? Are you you know? Hang up on this asshole? Hang

426
00:33:50.480 --> 00:33:54.000
up on them? How about that? You're a nut? Don't call back,

427
00:33:54.640 --> 00:33:58.640
and don't tell me how to run
the show. The reason I'm interrupting

428
00:33:58.680 --> 00:34:01.839
you is because you're trying to make
it sound like the town is killing people.

429
00:34:01.920 --> 00:34:13.599
Now for complaining about cat killing,
you're a crazy person. Goodbye.

430
00:34:17.880 --> 00:34:22.159
Go with a sure thing Denver's best
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431
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432
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433
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seven to seven to one help. You'll

434
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think you're his only customer when you
choose Frank durand the real estate Man dot

435
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com to list your home with Remax
Alliance three oh three nine two zero sixteen

436
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twenty two ripped us so you don't
have come running just as fast as we

437
00:35:02.760 --> 00:35:12.400
can. Shooter's gonna help come.
This is the Troubleshooter Show. No Tom

438
00:35:12.440 --> 00:35:17.119
Martino, Hi, Tom Martino here
three oh three seven one three talk three

439
00:35:17.159 --> 00:35:22.719
oh three seven one three eight two
five five. Welcome to the show.

440
00:35:22.119 --> 00:35:25.960
What is going on in your life? We love doing this show because we

441
00:35:27.039 --> 00:35:30.039
make a difference. We really do. This hour brought to you by Denver

442
00:35:30.199 --> 00:35:32.239
Regen dot com. Speaking of making
a difference, they also, you know,

443
00:35:32.320 --> 00:35:37.800
these are things we don't talk about. They have the hair enhancement and

444
00:35:37.159 --> 00:35:40.760
replenishment or whatever you call it restoration. Now they can do it with just

445
00:35:40.840 --> 00:35:45.159
thinning hair. I've been threatening to
try. Who the hell knows anyway.

446
00:35:45.480 --> 00:35:51.400
They also have the weight loss Denver
Regen dot com and extraordinary prices. The

447
00:35:51.400 --> 00:35:54.519
weight loss is two fifty a month
Denverregen dot com. So okay, so

448
00:35:54.599 --> 00:35:58.960
Diane wants to talk about Nextdoor.
I just want to say one other thing.

449
00:35:59.000 --> 00:36:00.239
I'm not gonna keep doing it.
I'm not going to keep doing it.

450
00:36:00.719 --> 00:36:07.199
I mean, I'm saying that my
show is run a certain way because

451
00:36:07.239 --> 00:36:10.559
I need certain information to help people. Now, I think I should be

452
00:36:10.800 --> 00:36:17.519
probably more aware of some people just
tuning and not knowing what I'm doing.

453
00:36:19.480 --> 00:36:22.639
If I let I just have to
explain this, I swear to God,

454
00:36:22.440 --> 00:36:27.719
not most people, not all people, But if I let most people simply

455
00:36:27.760 --> 00:36:32.800
tell their story, I will never
hear what I need to hear. With

456
00:36:32.920 --> 00:36:37.920
most people, I will never hear
what I need to hear to solve the

457
00:36:38.000 --> 00:36:42.000
problem. Now, to a certain
extent, I want to hear some of

458
00:36:42.039 --> 00:36:45.880
the story, of course I do. But then I need details that I'm

459
00:36:45.880 --> 00:36:50.440
not being told. I'm being told
details I don't need, and many times

460
00:36:50.760 --> 00:36:53.719
there are details left out. So
while they're telling the story, instead of

461
00:36:53.800 --> 00:36:59.239
listening to the whole story, which
could take an hour, but no,

462
00:36:59.719 --> 00:37:02.760
in reality, it could take fifteen
minutes. We just don't have fifteen minutes,

463
00:37:04.199 --> 00:37:07.760
So if I listen to that whole
story, then have to go back.

464
00:37:08.599 --> 00:37:14.320
It's better if they say I bought
a car for my son and then

465
00:37:14.360 --> 00:37:16.920
I moved to Ohio. Well,
it would be nice to know when he

466
00:37:17.000 --> 00:37:22.039
bought the car, what kind of
car, and what does moving to Ohio

467
00:37:22.159 --> 00:37:25.920
have to do with it? So
it doesn't always make a full circle.

468
00:37:27.719 --> 00:37:30.719
And I'm serious now, I'm not
kidding around. When I let people tell

469
00:37:30.719 --> 00:37:35.920
a story, it just doesn't Okay, that's just life. And it's easy

470
00:37:36.440 --> 00:37:37.719
to listen to me and say,
well, why don't you do it this

471
00:37:37.760 --> 00:37:42.360
way? And why don't you do
it that way? But now I'm just

472
00:37:42.440 --> 00:37:46.719
gonna be a little bold here.
No one can argue with my track record

473
00:37:46.760 --> 00:37:51.960
for success on solving these things.
Now, we can't solve everything. But

474
00:37:52.320 --> 00:37:57.679
please stop telling me not to interrupt, because what I'm going to tell you

475
00:37:57.760 --> 00:38:00.639
is don't call. Just don't call. Now. I don't want to be

476
00:38:00.719 --> 00:38:06.880
root and interrupt. I don't call
you names. I ask for clarifying information.

477
00:38:07.239 --> 00:38:13.000
Okay. Now, Now, by
the way, John Fuller, when

478
00:38:13.000 --> 00:38:15.840
you have a client, tell you
the story, tell me the God's honest

479
00:38:15.840 --> 00:38:19.199
truth. Now you are in a
different position. You're not on the radio,

480
00:38:19.280 --> 00:38:22.039
you don't have to hit a braake, you don't have to get a

481
00:38:22.039 --> 00:38:27.760
certain number of calls in. So
it's a little different. But but you

482
00:38:27.920 --> 00:38:32.199
know how people think after years of
doing this, don't they tell you ninety

483
00:38:32.280 --> 00:38:37.400
percent of the stuff you don't need? Well, they definitely tell that.

484
00:38:37.519 --> 00:38:43.599
You know, things are important to
people for reasons that don't always have to

485
00:38:43.639 --> 00:38:45.280
do with how that's what it is
to the office line, you know,

486
00:38:46.000 --> 00:38:50.039
so you have to be respectful of
that. But I mean, I ask

487
00:38:50.119 --> 00:38:53.079
a lot of questions when I do
intakes and I talk to clients. I

488
00:38:53.079 --> 00:38:57.599
I you know, I feel like
it's incumbent on me to get all the

489
00:38:57.639 --> 00:39:00.920
information so that I can give the
best advice that I can. But but

490
00:39:01.000 --> 00:39:06.239
I've also found that you you,
you know, listening is an important skill,

491
00:39:06.320 --> 00:39:09.000
and when you're talking sometimes you miss
things that people say. So I

492
00:39:09.039 --> 00:39:15.159
try to really balance it between listening
and asking really good questions. Good that

493
00:39:15.320 --> 00:39:19.360
that's and that's what should be done, actually, uh to get enough information

494
00:39:19.519 --> 00:39:24.360
to solve a problem. And I
don't think I ever once asked an irrelevant

495
00:39:24.440 --> 00:39:30.559
question ever, of course, not
no, I mean no, But but

496
00:39:30.599 --> 00:39:34.000
that's what I'm saying, so when
I ask a question, there's a reason

497
00:39:34.039 --> 00:39:37.400
for it. There's always a reason
for it. I even I've even had

498
00:39:37.440 --> 00:39:38.880
peers. I've even had people say, well, that has nothing to do

499
00:39:38.920 --> 00:39:43.199
with it. I swear to God. And then and these guys listening,

500
00:39:43.480 --> 00:39:45.039
Shannon will take There'll be people say
that, well, that has nothing to

501
00:39:45.079 --> 00:39:47.719
do with it. And then toward
the end of his call, it had

502
00:39:47.760 --> 00:39:51.880
everything to do with it. So
I go back to what I originally asked.

503
00:39:51.960 --> 00:39:53.559
Anyway, I don't care. Let's
let's look at like I said,

504
00:39:54.079 --> 00:39:57.920
I have fun doing this. I
don't want to turn it into like a

505
00:39:58.000 --> 00:40:00.840
challenge for people. Have fun.
But when I ask questions, don't be

506
00:40:00.880 --> 00:40:07.119
insulted. Diane, what is happening
with next door? Yes, Tom,

507
00:40:07.320 --> 00:40:12.360
I saw this girls. I saw
this girl's ad on next door. She

508
00:40:12.480 --> 00:40:15.480
was advertising and she's looking for like
any type of labor work. Okay.

509
00:40:15.519 --> 00:40:19.559
I call her up and she tells
me she has a regular job and she'll

510
00:40:19.559 --> 00:40:22.559
come to meet me, like at
five o'clock. So she comes and then

511
00:40:22.559 --> 00:40:23.880
she says, okay, I can
work till dark. So she works for

512
00:40:23.920 --> 00:40:28.000
three hours. She takes some things
out of the yard because the yard got

513
00:40:28.000 --> 00:40:31.599
badly damaged during the hailstorm. Lots
of furniture got broken and things needed it

514
00:40:31.639 --> 00:40:35.880
cleaned up. So she took those
items to the curb and everything, and

515
00:40:35.920 --> 00:40:37.440
I told her I'd be happy to
help her, and she agreed to one

516
00:40:37.440 --> 00:40:43.039
thousand dollars cash to do the yard. Now did she have a business?

517
00:40:43.119 --> 00:40:47.800
Was this a commercial advert, advertisement
or just a post? She yeah,

518
00:40:47.960 --> 00:40:52.480
that's that's the word. She posted
on next door that she just as an

519
00:40:52.519 --> 00:40:57.079
individual. Right, it wasn't an
ad. No, yeah, I guess

520
00:40:57.119 --> 00:40:59.239
I use the wrong word. Note
No, No, that's okay. So

521
00:40:59.280 --> 00:41:01.960
she was posted as a person saying
I need work. You gave her work,

522
00:41:02.119 --> 00:41:05.800
Let's keep going. What happened then, right, gave her work?

523
00:41:05.880 --> 00:41:07.800
And the first thing within the first
ten to fifteen minutes I met her,

524
00:41:08.000 --> 00:41:12.000
she said, can you get me
half down? And I was like,

525
00:41:12.239 --> 00:41:14.800
no, I can't give you six
hundreds. She said, can you give

526
00:41:14.800 --> 00:41:16.599
me six hundred dollars? I said
no, I can't. I've just met

527
00:41:16.639 --> 00:41:19.920
you. I don't know the quality
of your work. I don't know anything.

528
00:41:19.960 --> 00:41:22.480
I said, No, I don't
pay upfront. I said, you'll

529
00:41:22.480 --> 00:41:23.840
be paid in full. Well,
how do I know you're maybe going to

530
00:41:23.920 --> 00:41:27.480
cheat me. I'll do the whole
job and then you won't give I said,

531
00:41:27.480 --> 00:41:30.119
no, I'll be happy to give
you something in writing. You will

532
00:41:30.159 --> 00:41:32.239
get paid. I don't do that
to people. So she kept on,

533
00:41:32.400 --> 00:41:36.320
Oh, I lived so far,
I lived my Cheyenne Road and list.

534
00:41:36.800 --> 00:41:40.559
So the next day she came again, and she says, could you please

535
00:41:40.760 --> 00:41:43.960
just give me four hundred dollars.
I've got to have it. I have

536
00:41:44.000 --> 00:41:46.840
a small child. So I said
no, I told you there's no money

537
00:41:46.920 --> 00:41:50.559
up front. It just what I'll
work with. You will do the job,

538
00:41:50.599 --> 00:41:52.280
and when it's done, you be
paid in cash. Nope, nope.

539
00:41:52.360 --> 00:41:55.760
She kept harassing me. I'm a
senior citizen. She kept bugging me.

540
00:41:57.639 --> 00:42:00.239
Finally I went to the bank and
I got her four hundred dollars,

541
00:42:00.880 --> 00:42:05.719
came back, gave it to her. She counted it, and within minutes

542
00:42:06.280 --> 00:42:09.599
she started going, I can't work
anymore. I have so much dust.

543
00:42:10.039 --> 00:42:14.559
I have to go buy a mask. Well I've never seen her since,

544
00:42:15.119 --> 00:42:16.800
of course, not, of course, of course not. Okay, that's

545
00:42:16.840 --> 00:42:21.639
wonderful story. I feel really stupid. Yeah, I feel really stupid.

546
00:42:21.760 --> 00:42:23.920
It's like she took candy from an
old baby. It's like, okay,

547
00:42:23.960 --> 00:42:28.880
she kept working on me thinking,
well, how much time did she actually

548
00:42:28.960 --> 00:42:31.320
put in that you paid the four
hundred day? It's not a complete loss,

549
00:42:31.360 --> 00:42:35.880
right, how much time did she
actually work? She worked the first

550
00:42:36.000 --> 00:42:37.920
day about three hours, from about
five to eight. By working, I

551
00:42:37.920 --> 00:42:42.519
mean carrying broken stuff off to the
to put it by the curb. So

552
00:42:42.559 --> 00:42:45.719
you paid her one hundred and thirty
three bucks an hour, thank you?

553
00:42:45.960 --> 00:42:51.599
Well, no, I didn't.
I said one thousand dollars for the whole

554
00:42:51.719 --> 00:42:53.800
entire backyard. I understand. So
how many hours did she put in the

555
00:42:53.840 --> 00:42:59.719
second day? The second day she
came and she worked. Well, from

556
00:42:59.760 --> 00:43:01.519
what I understand, I had another
person working here, he said the minute

557
00:43:01.559 --> 00:43:05.039
I left for the doctor. That
you Well, how many hours? How

558
00:43:05.039 --> 00:43:08.880
many hours total did she work?
Total? Total? She made everything from

559
00:43:08.920 --> 00:43:12.840
the time you met her to the
time she took off. How many total

560
00:43:12.880 --> 00:43:17.000
hours did you get for your four
hundred bucks? Probably eight or nine totals.

561
00:43:17.039 --> 00:43:22.440
Okay, so it's not a complete
loss. Well no, but it

562
00:43:22.480 --> 00:43:27.360
feels like but you're never going to
get your money back. That's the way

563
00:43:27.400 --> 00:43:29.519
it works. I mean, well, I got it. Tell me how

564
00:43:29.559 --> 00:43:31.119
you would, Diane? Tell me
how you would? I mean, I

565
00:43:31.119 --> 00:43:34.440
can do a lot of things,
but I can't do miracles. How would

566
00:43:34.480 --> 00:43:36.920
you get your money back? What
are you proposing? Is she still on?

567
00:43:37.199 --> 00:43:39.159
Is you can? You can go
on next door and rat her out.

568
00:43:40.360 --> 00:43:43.920
No, I didn't give her name, but I posted what happened to

569
00:43:43.960 --> 00:43:47.480
me. I got almost two hundred
responses from people, even from lawyers and

570
00:43:47.519 --> 00:43:52.239
from even a doctor. They said, call the police reported as a step

571
00:43:52.360 --> 00:43:57.760
from then. I love lawyers.
Lawyers are morons, sorry, John,

572
00:43:57.960 --> 00:44:01.119
most of them are. Here's what
they do. I love the way lawyers

573
00:44:01.280 --> 00:44:05.599
to try to quell people and make
them feel good. Oh yeah, oh

574
00:44:05.719 --> 00:44:07.840
you should call the DA hilldo or
you should call the police, or you

575
00:44:07.840 --> 00:44:12.320
should you know? Or I love
when they say this. Well I would

576
00:44:12.360 --> 00:44:15.000
take you have a good case,
but I can't take it. I'm loaded

577
00:44:15.079 --> 00:44:19.079
up right now. So listen,
here's what I'm saying. There's nothing you

578
00:44:19.119 --> 00:44:22.599
can Okay, call the police.
Then how about this. I always say

579
00:44:22.639 --> 00:44:25.280
life is its own teacher. So
instead of listening to me, do what

580
00:44:25.360 --> 00:44:30.199
they say and see what happens.
Call the police. Well they should call

581
00:44:30.239 --> 00:44:32.639
the police. Go ahead, did
you then? No, I haven't done

582
00:44:32.679 --> 00:44:35.800
it. I wanted to call you
first, and then you're not going to

583
00:44:35.840 --> 00:44:38.320
even get them to take a report, but go ahead. Then they said,

584
00:44:38.320 --> 00:44:42.920
call Department of Adult Protective Services because
I'm going to be eighty one years

585
00:44:42.960 --> 00:44:45.400
old. So this is abuse of
the senior. Now that might be it's

586
00:44:45.480 --> 00:44:51.760
it's called something. It's a person
oh a risk adult, and that might

587
00:44:51.840 --> 00:44:55.079
do something, but they're still not
going to investigate. They're not. That

588
00:44:55.159 --> 00:45:00.400
does. What it does is it
becomes a sentencing enhancer if they charge then

589
00:45:00.440 --> 00:45:05.559
with theft, so it be theft
against an at risk adult. But still

590
00:45:05.599 --> 00:45:08.320
the reality is they're not going to
track this person down. Now there's very

591
00:45:08.320 --> 00:45:12.039
little, you know, very little
ability of them to do it, and

592
00:45:12.079 --> 00:45:14.519
they're just not going to. Let's
put it. Let's put it to you

593
00:45:14.559 --> 00:45:17.679
this way. That woman can walk
into a store and take a thousand dollars

594
00:45:17.679 --> 00:45:21.960
worth of stuff, never be stopped, and walk away. So why are

595
00:45:21.960 --> 00:45:24.960
they gonna go after her for four
hundred from you, especially if she worked

596
00:45:25.039 --> 00:45:29.320
nine hours, because you're gonna have
a hell of a thing. You're gonna

597
00:45:29.320 --> 00:45:31.280
have a hell of a thing first
of all, to prove she had the

598
00:45:31.320 --> 00:45:37.880
intent to defraud because she worked nine
hours, there's nine or ten, so

599
00:45:37.960 --> 00:45:40.679
there was somebody could argue, well, she wanted to finish, but really

600
00:45:40.719 --> 00:45:45.440
she did have a problem breathing.
Maybe she's dead somewhere. No one listen,

601
00:45:45.559 --> 00:45:47.800
Diane. I know at eighty one
you don't want to hear this,

602
00:45:49.159 --> 00:45:52.599
you really don't. But no one
cares about that, and no one's gonna

603
00:45:52.599 --> 00:45:55.159
do anything. I care about it. I think you should give her name,

604
00:45:55.679 --> 00:46:00.280
phone number or whatever you have.
I last it all, gave it

605
00:46:00.360 --> 00:46:05.480
the next door. What is her
name? Her name is Esmeralda gett A

606
00:46:05.480 --> 00:46:07.599
g u e r r A.
If you'd like her phone number to call

607
00:46:07.639 --> 00:46:10.599
her up. She won't take any
calls to text, and she's very nasty,

608
00:46:10.679 --> 00:46:15.679
is it g u e r r
A. Yes, Esmeralda Gara gu

609
00:46:15.920 --> 00:46:20.679
just rolls right off the tongue.
Yeah, okay, yeah, And I

610
00:46:20.719 --> 00:46:23.360
have her phone number if you'd like
it. But lots, I'm on the

611
00:46:23.440 --> 00:46:28.519
fixed income and I'm on Social Security, and I can't afford to just be

612
00:46:28.599 --> 00:46:31.880
pissing away four hundred. I don't
blame you. Hey, I have a

613
00:46:31.960 --> 00:46:36.719
question, Diane, this is doc. Do you pay her? You paid

614
00:46:36.719 --> 00:46:39.920
her four hundred dollars to nine hours? How much? Well you're going to

615
00:46:39.960 --> 00:46:44.239
pay her? I mean, it's
forty or fifty bucks an hour, So

616
00:46:44.280 --> 00:46:46.599
it's not totally repay her one thousand
dollars. It was by the job,

617
00:46:46.679 --> 00:46:49.679
not by the hour. What's okay, by the hours? Yeah, I

618
00:46:49.719 --> 00:46:53.599
understand that, but but but it
doesn't matter if how long how many more

619
00:46:53.639 --> 00:46:58.440
hours do you think it would have
taken her I was working? I don't

620
00:46:58.480 --> 00:47:00.599
know because if we only got started, what do you mean how much of

621
00:47:00.599 --> 00:47:04.480
the job about Let's put it this
way, how much of the job was

622
00:47:04.519 --> 00:47:07.920
done fifty percent? No? No, no, no, no? How

623
00:47:07.000 --> 00:47:16.239
much five percent? Holy only she
only if nine hours equals five percent,

624
00:47:16.880 --> 00:47:22.360
Well, let's do it another way. But if she did five percent,

625
00:47:22.880 --> 00:47:27.480
Okay, this doesn't make sense to
me because if she was on the job

626
00:47:27.519 --> 00:47:30.639
for ten hours got five percent down, that means it'd be one hundred and

627
00:47:30.719 --> 00:47:35.719
eighty hour job for one thousand dollars. That's that's what I'm getting at you.

628
00:47:36.000 --> 00:47:39.440
That's what I'm getting at It was
unreasonable to begin with. Well,

629
00:47:39.599 --> 00:47:44.400
even stil that's five dollars. That
would be five dollars and fifty five cents

630
00:47:44.440 --> 00:47:49.000
an hour, So I mean,
you have to recognize thee I understand that,

631
00:47:49.039 --> 00:47:52.559
But if she only did five percent
of your job, and it took

632
00:47:52.559 --> 00:47:55.880
her nine hours that equates to the
total job would be one hundred and eighty

633
00:47:55.920 --> 00:48:00.239
hours, which really for one thousand
dollars equals five bucks an hour. John.

634
00:48:00.360 --> 00:48:04.760
But on your assumption that's if she
was working honestly for that, you

635
00:48:04.800 --> 00:48:07.679
know, at the same pace,
at the same time. I get it,

636
00:48:07.719 --> 00:48:09.760
but cut it in half. Say
it's only a ninety hour job.

637
00:48:10.159 --> 00:48:14.800
There are very few ninety hour jobs
that people would take on for a thousand

638
00:48:14.840 --> 00:48:19.440
dollars. And it was very kind
of awed by the job it was.

639
00:48:19.840 --> 00:48:22.360
Were not listen. I understand that, I'm not trying to make you feel

640
00:48:22.400 --> 00:48:25.719
bad, Diane, but but you
didn't get that ripped off. You got

641
00:48:25.800 --> 00:48:30.119
ripped off, but it wasn't as
terrible. I mean, they could put

642
00:48:30.119 --> 00:48:32.719
it differently. Let's say you did
get a da to give you the time

643
00:48:32.760 --> 00:48:36.960
of day, and listen to this
case, and if they sat down and

644
00:48:37.000 --> 00:48:38.880
did an analysis and said, you
know what, this lady got paid,

645
00:48:39.239 --> 00:48:42.840
you know, four hundred bucks for
nine hours of work, and maybe you

646
00:48:42.840 --> 00:48:46.199
could argue that that was a bit
overcompensated. But in the grand scheme of

647
00:48:46.239 --> 00:48:50.840
things, she did do some work
for you, and she did get paid

648
00:48:50.840 --> 00:48:54.239
and What you really have is a
disagreement about the hourly value of her work,

649
00:48:54.280 --> 00:48:58.559
which they would tell you is a
civil matter that you would need to

650
00:48:58.599 --> 00:49:00.480
go after her. Since and I
don't want to make her feel bad,

651
00:49:00.519 --> 00:49:05.199
but since she's splitting hairs here and
said the whole job was one thousand dollars,

652
00:49:05.400 --> 00:49:07.320
let me ask you something, Diane. What if she says no,

653
00:49:07.400 --> 00:49:13.280
it wasn't. Do you have a
contract? Yes? She vote. She

654
00:49:13.400 --> 00:49:15.920
signed the contract with me, and
I wrote, you're smart, and it

655
00:49:15.960 --> 00:49:21.559
says it says she would clean up
this thing for Yes, it said she

656
00:49:21.599 --> 00:49:25.000
will do yard clean up for one
thousand dollars cash and that I gave her

657
00:49:25.039 --> 00:49:28.679
four hundred and then she signed it. I gave her four hundred dollars cash

658
00:49:28.880 --> 00:49:31.239
and a balance of five hundred and
eighty dollars because she also asked me for

659
00:49:31.320 --> 00:49:34.800
gas money, so I gave her
that too, So I really gave her

660
00:49:34.800 --> 00:49:37.440
four twenty. And like I said, I told her, I'll work with

661
00:49:37.519 --> 00:49:39.840
you. Obviously she doesn't know what
to throw out and what not to throw

662
00:49:39.880 --> 00:49:44.559
out in the yard. Maybe I
have something that Listen, Diane. My

663
00:49:44.760 --> 00:49:47.320
suggestion is, don't do it this
way anymore. Don't go to next door,

664
00:49:47.400 --> 00:49:52.480
don't go to Facebook marketplace. All
of these are just a breeding ground

665
00:49:52.559 --> 00:49:54.880
for ripoffs. They really are,
they really are. Okay, well,

666
00:49:55.280 --> 00:50:00.239
I'm really sorry this happened to you. If any you know how much more

667
00:50:00.360 --> 00:50:02.760
how much junk do you have out
in your yard? It can't be that

668
00:50:02.840 --> 00:50:06.000
much, is it. No,
it's not dunk. It's stuff that got

669
00:50:06.039 --> 00:50:08.800
broken, like tables that got pounded
with big hail. We had, Oh,

670
00:50:08.920 --> 00:50:13.880
I get its. Yeah. But
then so my insurance company said,

671
00:50:14.119 --> 00:50:16.320
I need a picture of each of
these items to be able to compensate you

672
00:50:16.360 --> 00:50:21.440
for tables with big holes in them, chair, everything just got pelted.

673
00:50:21.679 --> 00:50:23.119
So that's why I needed help.
I can't do it all myself. It's

674
00:50:23.159 --> 00:50:25.960
too much. I can't lift.
At the insurance company a lot on an

675
00:50:25.960 --> 00:50:30.519
amount of money for cleanup. No, they just said send us whatever got

676
00:50:30.599 --> 00:50:35.079
broken, like your flower pots and
your table. They didn't they didn't have

677
00:50:35.119 --> 00:50:38.400
any money for cleanup, just for
replacement. Yeah, no, they didn't

678
00:50:38.440 --> 00:50:42.280
offer anything for cleanup. I told
them I will get somebody and then I'll

679
00:50:42.320 --> 00:50:45.400
photograph each thing and then we'll carry
it out to the garbage. So that's

680
00:50:45.400 --> 00:50:47.639
what her and I were doing.
I was taking you at least you got

681
00:50:47.639 --> 00:50:51.760
reimbursed for the stuff that was destroyed. Right, No, I didn't get

682
00:50:51.800 --> 00:50:54.000
reimbursed. I just started just this
happened a couple of days ago. I

683
00:50:54.079 --> 00:50:58.360
just started doing this. I don't
have but they will reimburse you, right,

684
00:50:58.559 --> 00:51:04.199
they will reimburse you. What insurance
do you have, Diane sank Co.

685
00:51:05.320 --> 00:51:07.480
Yeah, you'll get your money for
that stuff. Yeah. Well,

686
00:51:07.679 --> 00:51:10.920
I mean I hope I do.
Then I can continue to find someone you

687
00:51:10.960 --> 00:51:15.000
know and write. I think that
that's the good news. I think you

688
00:51:15.079 --> 00:51:19.280
can. I think you can now, Diane, thank you for calling.

689
00:51:19.559 --> 00:51:22.280
There's not much we can do for
you. Man, this person is in

690
00:51:22.320 --> 00:51:27.239
the wind. I mean, I
don't think there is anything. Shannon,

691
00:51:27.280 --> 00:51:29.639
did I take fifteen or not?
Hey, I have to help me out

692
00:51:29.679 --> 00:51:32.599
here. Okay. So on that
note, we're going to take a quick

693
00:51:32.639 --> 00:51:36.840
break. Three oh three seven one
three talks seven one three eight two five

694
00:51:36.960 --> 00:51:46.000
five Go with a sure thing Denver's
Best roofer Excel roofing dot com. You

695
00:51:46.039 --> 00:51:53.079
don't pay a cent until you're content. Time for an insurance check up free,

696
00:51:53.159 --> 00:51:58.679
no obligation. In comparison, call
Compass insurance paying too much your coverage

697
00:51:58.679 --> 00:52:01.559
at dozens of insurance company find out
Now three all three seven seven to one.

698
00:52:01.639 --> 00:52:06.159
Help. You'll think you're his only
customer when you choose Frank durand the

699
00:52:06.159 --> 00:52:09.719
real estate man dot com to list
your home with Remax Alliance three all three

700
00:52:09.800 --> 00:52:22.800
nine two zero sixteen twenty two.
Hi Tom Martinez, you're troubleshooter three oh

701
00:52:22.840 --> 00:52:30.360
three seven one three talks seven one
three A two five five. All right,

702
00:52:30.400 --> 00:52:36.599
So Diana, what's happening? You
have something about wages you called a

703
00:52:36.679 --> 00:52:43.679
couple of weeks ago. It's the
onlimate issue. Okay, I'm looking for

704
00:52:43.719 --> 00:52:47.920
it. Danafication, Oh what happened? Did you? Is this where they're

705
00:52:47.920 --> 00:52:55.320
trying to collect from you? See, because they say they say that you

706
00:52:58.119 --> 00:53:07.079
filed for unemployment and you never did
not for the time that they're saying I

707
00:53:07.119 --> 00:53:09.400
did. Now, I thought we
were going to send this to our person

708
00:53:09.599 --> 00:53:15.840
over at I thought we were sending
this to our person over at unemployment.

709
00:53:15.880 --> 00:53:20.320
Didn't we do that? No?
So she actually sent you. You wanted

710
00:53:20.360 --> 00:53:24.800
to see the paperwork first, So
there's like thirty individual emails that are pictures.

711
00:53:25.360 --> 00:53:30.119
So the the Unemployment Division got a
judgment against you for benefits that you

712
00:53:30.239 --> 00:53:36.320
got through fraud. They say,
and she said she never got any of

713
00:53:36.320 --> 00:53:40.760
those benefits. Why can't we just
send it to Phil though over at Unemployment

714
00:53:40.840 --> 00:53:49.559
Division. I don't have a note
here. There are literally thirty different emails

715
00:53:49.719 --> 00:53:53.320
Tom that were forty Oh okay,
you're talking about thirty emails from her?

716
00:53:53.599 --> 00:53:57.719
Correct? Why did you send us
so many emails, Diane? Because she

717
00:53:57.840 --> 00:54:04.800
had to take pictures of them?
What are what are these? What are

718
00:54:04.840 --> 00:54:14.480
these emails asking you to do nothing? Basically, it's the it's the paperwork

719
00:54:15.440 --> 00:54:19.920
that I got. Oh, it's
not an email. You're just send us

720
00:54:19.960 --> 00:54:24.519
an email of she scanned the paperwork. Did you send this? When did

721
00:54:24.519 --> 00:54:31.320
you send it to me? Kachina? Must have been earlier? Uh?

722
00:54:31.960 --> 00:54:37.159
Probably last week. I'm sorry.
Okay, there's literally thirty emails and they're

723
00:54:37.199 --> 00:54:43.400
all in one after another. Oh
god, okay, I could I could

724
00:54:43.440 --> 00:54:46.840
see that? Can you just give
us one? Can you just is there

725
00:54:46.880 --> 00:54:51.360
a way we can just see the
latest one? What they how did they

726
00:54:51.360 --> 00:54:53.960
get a judgment? Did you go
to did you go to a court appearance?

727
00:54:55.679 --> 00:54:59.519
Yeah? Well I didn't go to
a court appearance. I called in

728
00:55:00.199 --> 00:55:04.559
okay pretty much? So there there
was hold on, hold on, hold

729
00:55:04.639 --> 00:55:09.760
on, So there was a hearing, yes, and it was a telephonic

730
00:55:09.840 --> 00:55:15.760
hearing. You just appeared by phone, yes, And did you what did

731
00:55:15.800 --> 00:55:21.079
you say? Did you say to
them you never ever got these benefits?

732
00:55:22.000 --> 00:55:28.119
Yes? And I said that I
did not call in for them. And

733
00:55:28.119 --> 00:55:30.239
and then the other side put on
a case. What did they have is

734
00:55:30.320 --> 00:55:37.719
proof you got them all? Honestly, the only proof that they have uh

735
00:55:37.960 --> 00:55:42.280
for them is the emails that I
sent you. That's the only thing that

736
00:55:42.679 --> 00:55:45.800
they Yeah, I don't I don't
get what you mean. How could those

737
00:55:46.719 --> 00:55:52.000
what do you mean what proof did
they have? What proof did they have

738
00:55:52.119 --> 00:55:59.079
that you got checks or you got
benefits? What proof? I don't know

739
00:55:59.199 --> 00:56:01.719
that. That's what I'm trying to
figure out. But you lost in court.

740
00:56:01.800 --> 00:56:07.000
The judge ruled against you. There
must have been evidence the judge ruled

741
00:56:07.039 --> 00:56:13.239
against you. Yees. Was it
a hearing? Was it a real court

742
00:56:13.440 --> 00:56:19.320
or was it a hearing with unemployment? Where? What was it? It

743
00:56:19.360 --> 00:56:24.320
was a sharing Unemployment showed up with
their witness or whatever. And then,

744
00:56:24.599 --> 00:56:29.320
like I said, they sent me
this paper work. And now how much

745
00:56:29.360 --> 00:56:30.880
are they trying to how much are
they trying to get from you? Right

746
00:56:30.920 --> 00:56:38.679
now? Well, it's short at
fifteen, fifteen hundred, fifteen thousand.

747
00:56:38.679 --> 00:56:42.280
Anyway, it's gone, Saint well, hold on, there's a big difference,

748
00:56:42.360 --> 00:56:45.480
Diana, there's a big difference.
Is it fifteen hundred or fifteen thousand?

749
00:56:46.800 --> 00:56:50.800
Fifteen hundred? I'm sorry, oh, co Well, don't be sorry.

750
00:56:50.880 --> 00:56:53.960
That's good. It's only fifteen hundred
as opposed to fifteen thousand. Well,

751
00:56:54.000 --> 00:56:59.400
no, one, not to three
thousand, Tom. And it's going

752
00:56:59.480 --> 00:57:01.920
to keep going. And here's the
worst part of it. You want to

753
00:57:01.960 --> 00:57:07.320
know the worst part of it.
You're not going to be able to bankrupt

754
00:57:07.480 --> 00:57:15.000
out of it because it's fraud.
John, John Fuller, what do you

755
00:57:15.079 --> 00:57:19.800
think that How do you think they
get a judgment? I mean they had

756
00:57:19.800 --> 00:57:24.519
to have something. Yeah, they
had to actually bring some sort of an

757
00:57:24.559 --> 00:57:30.239
action against her, and she said
she appeared by telephone, and so I

758
00:57:30.239 --> 00:57:34.639
mean, the only thing that I
can imagine is that there's some appeal process

759
00:57:34.840 --> 00:57:40.000
if this thing got reduced to a
civil judgment. You're right, the fraud

760
00:57:40.079 --> 00:57:45.000
exclusion would probably keep her from being
able to you know, bk that offer

761
00:57:45.079 --> 00:57:50.480
there, But but I don't know. You'd have to look at the you

762
00:57:50.519 --> 00:57:52.320
know, the circumstance of the judgment
and all that stuff. I mean,

763
00:57:53.039 --> 00:57:58.519
it's it's so rare that they actually
do this these days. It seems like

764
00:57:58.559 --> 00:58:04.000
they just i know, compassionate,
just let people get away with with you

765
00:58:04.039 --> 00:58:07.119
know, real theft. Where they
they they do, I know they do.

766
00:58:07.280 --> 00:58:09.840
So I've never heard of people being
prosecuted, Diana. How are they

767
00:58:09.880 --> 00:58:14.639
saying? Why are they saying,
first of all that the claim was fraudulent?

768
00:58:15.480 --> 00:58:20.800
Yeah, you know what, I'm
saying that it was no, no,

769
00:58:20.639 --> 00:58:23.400
no, But why are they why
do they want the money back?

770
00:58:23.480 --> 00:58:30.559
Are they saying that you were getting
benefits while you were working? I'm sorry,

771
00:58:30.599 --> 00:58:32.559
repeat like you just said, you
hold on, hold on and I

772
00:58:32.639 --> 00:58:37.079
will okay three oh three seven one
three talks seven one three A two five

773
00:58:37.280 --> 00:58:40.599
five. I don't I don't know
we're going to be able to help her,

774
00:58:40.599 --> 00:58:44.519
but I'll ask her the question.
There's a reason they came after her

775
00:58:44.559 --> 00:58:46.000
to begin with. We got to
figure out what the hell it is.

776
00:58:46.719 --> 00:58:50.920
Yes, we got more of it. Yeah, go ahead. There were

777
00:58:51.280 --> 00:58:53.280
you know, back to our COVID, there were lots of incidences where people

778
00:58:53.320 --> 00:59:00.320
were actually filing false and fraudulent claims
for unemployment under a fictitious names and pictitions,

779
00:59:00.320 --> 00:59:04.760
addresses, and stuff. So I'm
sure that the caller is not alone

780
00:59:04.840 --> 00:59:07.480
in being accused of this without you
know, without it, well, usually

781
00:59:07.519 --> 00:59:12.280
there has to be something, something, something that's right. There has to

782
00:59:12.320 --> 00:59:15.639
be something, and it was adjudicated
in court. So either she didn't participate

783
00:59:15.760 --> 00:59:20.239
or didn't provide anything that showed.
I don't know there's more to know about

784
00:59:20.239 --> 00:59:22.960
this about this case. All right, well we have more coming right up,

785
00:59:23.000 --> 00:59:32.079
We'll come right back. Go with
a sure thing Denver's Best roofer Excel

786
00:59:32.199 --> 00:59:38.960
Roofing dot com. You don't pay
a cent until you're content. Time for

787
00:59:39.000 --> 00:59:45.960
an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage

788
00:59:45.960 --> 00:59:49.679
at dozens of insurance companies find out
now three all three seven to seven to

789
00:59:49.679 --> 00:59:52.400
one help. You'll think you're his
only customer when you choose Frank durand the

790
00:59:52.480 --> 00:59:58.000
real estate Man dot com to list
your home with Remax Alliance three oh three

791
00:59:58.079 --> 01:00:07.400
nine two zero sixteen twenty two.
Hi Tom Martine, here, let's go

792
01:00:07.480 --> 01:00:10.599
back to the phones. Three of
three seven one three talk seven one three

793
01:00:10.599 --> 01:00:15.400
eight two five five. Diana,
What I need to know is why did

794
01:00:15.400 --> 01:00:20.239
they contact you? Tell me?
It just out of the blue, they

795
01:00:20.239 --> 01:00:22.719
said you received. What did they
say you received? Why did they say

796
01:00:22.719 --> 01:00:29.079
it was fraudulent? They didn't say
it was fraudulent. I didn't, and

797
01:00:29.079 --> 01:00:32.000
they just I was sitting in my
living room one not and I got service

798
01:00:32.079 --> 01:00:37.280
papers. They were trying to get
me to pay back for the past two

799
01:00:37.400 --> 01:00:42.480
years for for wages that I did
not receive. That's when I found out

800
01:00:42.480 --> 01:00:45.719
about what was going on. Okay. But Diana, when they served you,

801
01:00:45.000 --> 01:00:52.519
yeah, they said that you had
collected unemployment. Why did they say

802
01:00:52.639 --> 01:00:59.239
it was fraudulent. It was fraudulent
because I didn't. I'm not one that

803
01:00:59.320 --> 01:01:04.719
called in Diana. Diana. Yes, yes, We're in a circle.

804
01:01:04.880 --> 01:01:07.199
We got to break this, we
got to break out of the cycle.

805
01:01:07.239 --> 01:01:14.280
Here's what I'm asking you. There
is a reason they wanted the money back.

806
01:01:14.760 --> 01:01:22.760
What reason did they give you for
wanting the money back? They found

807
01:01:22.760 --> 01:01:25.360
out I had a job, and
that's why they want the money back.

808
01:01:25.559 --> 01:01:30.679
Okay, so they claimed I know
you don't agree, but they claimed you

809
01:01:30.760 --> 01:01:37.400
were working and collecting benefits at the
same time. Did you ever collect benefits

810
01:01:37.440 --> 01:01:45.000
from unemployment? I was on unemployment
quite a while ago, way before I

811
01:01:45.079 --> 01:01:50.280
got this job that I have now, But I had not called in front

812
01:01:50.320 --> 01:01:54.599
employments for years and I mean years, okay, And now saying that the

813
01:01:54.719 --> 01:02:02.320
job I have now you know now
the job you had or you have now

814
01:02:02.360 --> 01:02:09.239
that you were working and supposedly collecting
benefits. Do they have a record of

815
01:02:09.320 --> 01:02:16.599
benefits going into your bank account?
No? Where do they say the payments

816
01:02:16.800 --> 01:02:22.840
went on. They give you when
you're on an employment, they give you

817
01:02:22.880 --> 01:02:29.039
this little debit card. Okay,
now they claim they claim you got a

818
01:02:29.079 --> 01:02:34.960
debit card. Yes, there was
all kinds of fraud going on with people

819
01:02:35.000 --> 01:02:38.119
getting debit cards in other people's names. I don't know why they didn't believe

820
01:02:38.199 --> 01:02:42.639
you, Diana. I believe you. We have got we got no less

821
01:02:42.679 --> 01:02:45.960
than a dozen calls of the same
exact thing. People said, Hey,

822
01:02:45.199 --> 01:02:49.960
a debit card showed up in my
name and I never applied for it,

823
01:02:50.159 --> 01:02:53.719
so somebody applied for it. And
what they try to do is steal it

824
01:02:53.760 --> 01:02:58.199
out of the mailbox before you get
it. And I think that's what happened

825
01:02:58.239 --> 01:03:02.440
to you. But why didn't they
believe you? I don't know, no

826
01:03:02.519 --> 01:03:06.039
clue. Well, well, you
were at the hearing, we weren't.

827
01:03:06.360 --> 01:03:08.880
Why did they Why did judge say
well, we don't. I don't believe

828
01:03:08.920 --> 01:03:15.639
you. I mean, the judge
must have said something to you. The

829
01:03:15.679 --> 01:03:19.320
only two things he told me that
he did he could not believe me on

830
01:03:19.639 --> 01:03:25.440
was I did file I didn't see
stepped on the unemployment website, and I

831
01:03:25.519 --> 01:03:30.400
did go and file a report with
the police department. Unfortunately. Wait,

832
01:03:30.440 --> 01:03:32.840
wait, wait, hold on,
Diana, hold on, what do you

833
01:03:32.920 --> 01:03:38.760
mean he didn't believe that you did
that exactly? But what difference does that

834
01:03:38.840 --> 01:03:45.119
make? First of all, what
you only filed. You only tried to

835
01:03:45.119 --> 01:03:50.639
file a fraudulent report after you found
out you were being accused of fraud,

836
01:03:50.719 --> 01:03:53.360
right, I mean, you didn't
know anything before that. Okay, So

837
01:03:53.599 --> 01:03:58.239
that has nothing to do with the
case. What difference does it make if

838
01:03:58.239 --> 01:04:00.880
he believed if you filed or not. What difference does it make? I

839
01:04:00.880 --> 01:04:05.519
mean, the point is, so
that's the reason he ruled against you,

840
01:04:05.599 --> 01:04:13.639
because he doesn't believe that you filed
that report. Yes, no, okay,

841
01:04:13.719 --> 01:04:16.079
all right? Does it? That
doesn't even make sense for God's sakes.

842
01:04:16.480 --> 01:04:20.119
So he's saying, when you were
accused of fraud, you should have

843
01:04:20.199 --> 01:04:25.360
filed a fraudulent report, and you
did not, So he thought that was

844
01:04:25.360 --> 01:04:30.360
a lack of credibility. Did you
file a fraud report or not? Yes?

845
01:04:30.519 --> 01:04:34.159
Then why did the judge say you
did not file a fraud report?

846
01:04:35.559 --> 01:04:42.159
I have no idea. Do you
have proof that you filed a fraud report?

847
01:04:43.719 --> 01:04:46.480
Well, they just send me a
general email, you know, stating,

848
01:04:46.519 --> 01:04:49.559
hey, we got your report,
but that's all I got. Well,

849
01:04:49.599 --> 01:04:54.079
did you did you show that to
the Did you show that to the

850
01:04:54.239 --> 01:05:00.360
judge? Not? Because I could
not find that? Okay, all right,

851
01:05:00.320 --> 01:05:04.119
So, Diana, I do believe
you. I do, but I

852
01:05:04.119 --> 01:05:08.599
don't know what you can do about
it. You've already gotten a judgment against

853
01:05:08.679 --> 01:05:15.960
you. When was that judgment rendered? Oh gosh, I'd have to look

854
01:05:16.000 --> 01:05:21.360
on my coun Roughly roughly, Diana, roughly more than ninety days ago.

855
01:05:24.159 --> 01:05:28.840
No, I'd say maybe sixty days
ago. You might be within the time

856
01:05:28.880 --> 01:05:30.760
to appeal it. But I don't
know what you even appeal. John,

857
01:05:30.840 --> 01:05:35.599
help me out. What do you
think? Yeah? I think I think

858
01:05:35.639 --> 01:05:39.960
you might be in a position where
too much time has gone by or a

859
01:05:40.000 --> 01:05:43.559
record was not made at the trial
court level. I mean, it's so

860
01:05:43.599 --> 01:05:48.000
hard to understand what went wrong in
this one, because she's claiming she did

861
01:05:48.039 --> 01:05:51.679
all the right stuff. But the
judge found that she didn't, and I

862
01:05:51.800 --> 01:05:57.360
doubt that you know, her inability
to find it. Would you know,

863
01:05:57.599 --> 01:06:01.400
if she made that claim with the
same department that's suing her, they should

864
01:06:01.400 --> 01:06:04.199
be held to proving whether or not
she did or didn't. So the whole

865
01:06:04.199 --> 01:06:09.719
thing is very hard to understand.
The problem is there's a judgment, and

866
01:06:09.840 --> 01:06:14.400
Dianeca, you were if you appealed
this, you would have to hire an

867
01:06:14.400 --> 01:06:19.159
attorney anyway, And I'm wondering at
what point will they take pay? I

868
01:06:19.239 --> 01:06:26.360
hate even saying this. Yeah,
here's the thought. The judgment is probably

869
01:06:26.440 --> 01:06:30.079
not going to say that this is
a judgment, you know, based on

870
01:06:30.199 --> 01:06:34.880
fraud. It's just a judgment like
any other judgment. If if she declared

871
01:06:34.960 --> 01:06:39.760
bankruptcy, it would be on the
debtor to come in and object to the

872
01:06:39.840 --> 01:06:44.800
discharge saying, you know, saying
that no right and discharge this it's it's

873
01:06:44.840 --> 01:06:46.960
it was a product of fraud.
And if they didn't do that, the

874
01:06:47.000 --> 01:06:50.679
thing would eventually get discharged. I
mean, I don't you know, the

875
01:06:50.719 --> 01:06:55.320
burden has got to fall back on
the holder of the judgment to make that

876
01:06:55.519 --> 01:06:59.400
claim. We got to take this
break, Diana. I think bankrupt I

877
01:06:59.440 --> 01:07:02.639
swear to you you may have to
file bankruptcy. I don't know any way

878
01:07:02.679 --> 01:07:06.679
out of this. You really should
have handled this differently from the beginning going

879
01:07:06.679 --> 01:07:11.119
to that hearing, because I can't
go back in time now and tell a

880
01:07:11.199 --> 01:07:15.960
judge they did something wrong. You
know, it's too late. I don't

881
01:07:15.960 --> 01:07:21.159
know. I thought I wanted we
should have this to fill over there before

882
01:07:21.880 --> 01:07:26.559
the court. That's when we would
have done it, because we helped many

883
01:07:26.599 --> 01:07:30.880
other people in the same position,
but it was before judgment. More coming

884
01:07:30.960 --> 01:07:40.519
right up. Go with a sure
thing Denver's best roofer Excel Roofing dot com.

885
01:07:40.559 --> 01:07:46.159
You don't pay a cent until you're
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886
01:07:46.239 --> 01:07:50.519
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comparison, call Compass Insurance paying too much

887
01:07:50.639 --> 01:07:55.639
your coverage at dozens of insurance companies
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888
01:07:55.679 --> 01:07:59.320
seven to one help. You'll think
you're his only customer when you choose Frank

889
01:07:59.400 --> 01:08:03.360
durand the Stateman dot com to list
your home with Remax Alliance three all three

890
01:08:03.440 --> 01:08:14.000
nine two zero sixteen twenty two.
Hi Tom Martino here, Derek wants to

891
01:08:14.000 --> 01:08:17.319
talk about small claims court. Hello
Derek, what's happening? How are you

892
01:08:17.359 --> 01:08:23.880
Tom Good? What's going on?
Man? So I'm getting ready to go

893
01:08:23.920 --> 01:08:31.880
down the road of possibly found small
claims suit against a company that offers windshield

894
01:08:31.920 --> 01:08:39.520
protection plans. There was this through
a dealership. It was through a dealership,

895
01:08:39.600 --> 01:08:44.319
through a major dealership. Okay,
so was purchased through the dealership.

896
01:08:44.359 --> 01:08:47.640
Normally I don't purchase any of those
sales office items, but I've rut some

897
01:08:47.880 --> 01:08:54.039
good value in these in Colorado,
not if you really read them, by

898
01:08:54.079 --> 01:08:56.760
the way, I've been through this
before. But go ahead. What happened

899
01:08:56.760 --> 01:08:59.880
then? One of my other cars, I've purchased one for seven years or

900
01:09:00.079 --> 01:09:02.000
one hundred and paid for it so
multiple times over. But I get what

901
01:09:02.039 --> 01:09:04.560
you're saying because I'm kind of running
into that now. Well, they actually

902
01:09:04.560 --> 01:09:08.000
don't make them like they used to. What they do is they have a

903
01:09:08.039 --> 01:09:13.920
total lifetime limit and then they have
a deductible and when you think about it,

904
01:09:14.279 --> 01:09:17.119
the coverage is not near as good
as if you bought it through your

905
01:09:17.119 --> 01:09:23.520
insurance. But anyway, so you're
unhappy with it. Yeah, they're denying

906
01:09:23.560 --> 01:09:27.159
a claim. Hold on a second, it's too loud, Shannon, I

907
01:09:27.560 --> 01:09:30.000
mean he did have a few seconds. I want to take you back Derek

908
01:09:30.119 --> 01:09:34.319
and finish this. Okay, So
hold on, I'm interested to know what

909
01:09:34.359 --> 01:09:39.520
you sued for though, because did
they breach the contract or you just didn't

910
01:09:39.640 --> 01:09:45.319
like the contract? Hold on,
go with a sure thing Denver's Best roofer

911
01:09:45.439 --> 01:09:53.600
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pay a cent until you're content. Time

912
01:09:53.640 --> 01:09:58.119
for an insurance check up free,
no obligation in comparison, call Compass Insurance.

913
01:09:58.239 --> 01:10:01.600
Pay too much your coverage of insurance
companies find out now three all three

914
01:10:01.760 --> 01:10:05.520
seven seven to one help. You'll
think you're his only customer when you choose

915
01:10:05.560 --> 01:10:11.000
Frank durand the real estate Man dot
com to list your home with Remax Alliance

916
01:10:11.239 --> 01:10:23.239
three all three nine two zero sixteen
twenty two. Yeah, Ritt News need

917
01:10:23.239 --> 01:10:30.239
advice so you don't have come running. Just as fast as we can show

918
01:10:30.439 --> 01:10:36.560
Shooter's gonna help. Come man.
This is the Troubleshooter Show Now, Tom

919
01:10:36.600 --> 01:10:43.920
Martino, Tom Martino, You're troubleshooter
three all three seven one three talks seven

920
01:10:43.960 --> 01:10:45.800
one three eighty two five five.
This hour brought to you by Waterpros dot

921
01:10:45.840 --> 01:10:49.439
net. You get hull house water
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922
01:10:49.479 --> 01:10:55.039
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923
01:10:55.079 --> 01:11:00.720
disgusting things in your water. Hard
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924
01:11:00.880 --> 01:11:04.159
recommend for the best systems at the
lowest prices. Three zero three eight six

925
01:11:04.319 --> 01:11:10.640
two five five five four. John
Fuller's with me personal injury attorney, sordinaire,

926
01:11:11.600 --> 01:11:14.520
personal attention and all that, and
I mean it sincerely. He gives

927
01:11:14.520 --> 01:11:16.239
a cell phone number out. He's
crazy, but he does. You can

928
01:11:16.279 --> 01:11:19.279
call her text at any time when
you're a client, and he means that

929
01:11:19.319 --> 01:11:24.760
he's not bs and there, John, how many calls have you gotten,

930
01:11:24.800 --> 01:11:30.000
like past ten at night or in
the evenings? Not that many. Actually,

931
01:11:30.600 --> 01:11:33.000
I do get calls on the weekend
sometimes, and you know, early

932
01:11:33.079 --> 01:11:36.680
evenings after people get home from work, so you know, six seven o'clock

933
01:11:36.680 --> 01:11:41.119
at night, But not too many
people call him truly in the middle of

934
01:11:41.119 --> 01:11:47.039
the night. So somebody wants to
know if a dash cam can be admissible

935
01:11:47.039 --> 01:11:54.880
in court. Absolutely, yes,
a dashcam is admissible in court and is

936
01:11:54.960 --> 01:12:00.319
the single key best piece of insurance
that you can put into your vehicle to

937
01:12:00.479 --> 01:12:06.119
completely eliminate liability disputes. And he
said, she said, and all that

938
01:12:06.239 --> 01:12:11.319
kind of fun stuff. They're wonderful. I have them in all my vehicles.

939
01:12:11.399 --> 01:12:14.880
I recommend them for all of my
clients and anybody who will listen.

940
01:12:15.399 --> 01:12:21.079
Cool Now, Derek. We left
off with Derek and he said that he

941
01:12:23.119 --> 01:12:27.239
had windshield coverage on a new car. And I'm familiar with it. By

942
01:12:27.239 --> 01:12:30.880
the way, I think it's crap
coverage. But he said they won't cover

943
01:12:30.920 --> 01:12:33.560
a claim. He wants to assume
a small claim score. So I want

944
01:12:33.600 --> 01:12:38.640
to dig into that, Derek,
what was the why won't they cover it?

945
01:12:38.680 --> 01:12:44.359
What reason are they giving you.
They're stating that the damage was caused

946
01:12:44.439 --> 01:12:49.439
by quote, an act of nature, and what is that mean? Something

947
01:12:49.479 --> 01:12:56.439
that it's undefined. It just says
active nature. So they're claiming, well,

948
01:12:56.439 --> 01:12:59.960
what wouldn't be what's not an act
of nature? Tell me what is

949
01:13:00.159 --> 01:13:01.439
not? But I said that,
you know actually, and that's going to

950
01:13:01.479 --> 01:13:05.279
bring me to another question. But
I actually said that to the representative and

951
01:13:05.520 --> 01:13:09.479
they said, I can't argue that
it's all an active nature. I said,

952
01:13:09.560 --> 01:13:13.880
unless somebody hits it with a baseball
bat, anything that hits the windshield

953
01:13:13.920 --> 01:13:15.560
and breaks it, it's going to
be an active nature. No, Well,

954
01:13:15.560 --> 01:13:18.920
how about if you're following a truck, I mean truck you know,

955
01:13:19.479 --> 01:13:25.600
puts a dent in your windshield.
That's not an active nature? Well right,

956
01:13:26.680 --> 01:13:29.439
and what, by the way,
how did it break? Derek?

957
01:13:30.159 --> 01:13:34.359
Something flew up and hit the windshield? Now is it bad? Is it?

958
01:13:34.399 --> 01:13:36.920
Is it cracked all the way across
or a little bullet? What is

959
01:13:36.960 --> 01:13:43.279
it? I sent you pictures,
so it's got you. Help me out

960
01:13:43.319 --> 01:13:45.000
though, because I'm not at those
pictures right now. Help me out?

961
01:13:45.039 --> 01:13:48.760
What? How? How is it's
kind of a round spawling. But so

962
01:13:48.880 --> 01:13:51.520
here's what happened. So when my
wife went to file the claim and she

963
01:13:51.560 --> 01:13:56.359
called me. She was going thirty
five down Bellevue, that's her commute,

964
01:13:57.119 --> 01:14:00.159
and she said something flew up and
hit the windshield. And I said what

965
01:14:00.600 --> 01:14:02.600
And she said, I don't know. A bird, a plane, a

966
01:14:02.680 --> 01:14:05.199
rock, a piece of wood,
a piece of metal, I don't know.

967
01:14:05.239 --> 01:14:09.239
I didn't see it. I just
heard it. So when she was

968
01:14:09.239 --> 01:14:14.479
going to fall file the claim,
they said, since she didn't know exactly

969
01:14:14.520 --> 01:14:17.000
what hit it, that it must
have been a bird. But if you

970
01:14:17.119 --> 01:14:20.840
look at the okay, now at
least we know what they're calling nature.

971
01:14:21.039 --> 01:14:26.920
A bird is nature, a rock
is not got it. Gotcha. So

972
01:14:27.159 --> 01:14:29.680
if you look at the picture,
I don't know of any birds that are

973
01:14:29.680 --> 01:14:33.439
made with right angles and that are
harder than the surface of glass. But

974
01:14:33.520 --> 01:14:36.880
you can see where it was obviously
some piece of foreign debris, not a

975
01:14:36.880 --> 01:14:44.680
bird. When I sent it over
to the insurance company, they agreed with

976
01:14:44.720 --> 01:14:48.199
me, this is obviously not a
bird. But they're sticking to their bird

977
01:14:48.720 --> 01:14:54.199
claim. They're failing to honor the
Okay, now I understand why you're suing.

978
01:14:54.600 --> 01:14:58.279
I didn't know what if it made
sense. But what you're basically saying

979
01:14:58.359 --> 01:15:02.399
is it's a breach of contract,
breach, breach exactly. And I said,

980
01:15:02.399 --> 01:15:04.720
okay, well, how about this. The dealer wants three thousand for

981
01:15:04.760 --> 01:15:08.880
the windshield, safe light wants a
thousand. Let's do safe light. I

982
01:15:08.880 --> 01:15:12.600
don't need oem glass. That's totally
fine. They did not want to do

983
01:15:12.640 --> 01:15:15.239
that. I said, okay,
then if this is kind of a worthless

984
01:15:15.279 --> 01:15:18.079
policy to me, wanted to refund
the policy. They refused to do that,

985
01:15:18.720 --> 01:15:21.800
so I said, okay. But
here's the kicker. At the very

986
01:15:21.880 --> 01:15:26.039
end, they're like, well,
we're willing to give you five hundred dollars

987
01:15:26.439 --> 01:15:30.399
towards good hope or good, you
know, give you five hundred dollars just

988
01:15:30.439 --> 01:15:34.640
for your time and a statement of
good hope, which I know that's pretty

989
01:15:34.680 --> 01:15:40.359
much a poison pill to any other
recourse action I might have going forward.

990
01:15:40.399 --> 01:15:43.520
So I denied, well, John, what are you thinking about his chances?

991
01:15:43.840 --> 01:15:47.399
I think that I don't know,
man, this, How the hell

992
01:15:47.439 --> 01:15:53.880
can they do it? How can
they turn it down? Yeah? Unless

993
01:15:53.920 --> 01:15:58.880
there was something said during his wife's
statement to them that's really given them a

994
01:15:58.960 --> 01:16:02.880
leg to stand on with this whole
bird thing, I'm I don't know how

995
01:16:02.920 --> 01:16:08.720
you're going to lose. Actually,
Yeah, and in the photographs too,

996
01:16:09.239 --> 01:16:13.279
it's obviously where are you right now? Where are you right now in your

997
01:16:13.359 --> 01:16:17.560
lawsuit? I haven't started it yet. I wanted to exhaust all other options

998
01:16:17.560 --> 01:16:23.000
first. This conversation about the five
hundred dollars and getting to the impass there.

999
01:16:23.279 --> 01:16:26.079
Let me ask you this, what
dealer did you buy the warrant?

1000
01:16:26.239 --> 01:16:30.319
You know, they made money on
this policy. They probably want to know.

1001
01:16:30.199 --> 01:16:35.399
They probably do want to know about
this go ahead. The dealer is

1002
01:16:35.439 --> 01:16:40.239
involved in this, but they're in
an impast too kind of They're like,

1003
01:16:40.319 --> 01:16:46.439
you need to contact the company you
bought the policy from and the policyholder saying

1004
01:16:46.479 --> 01:16:49.520
you need to contact the dealer.
Now, the dealer did send me one

1005
01:16:49.560 --> 01:16:54.880
of the dealer forms to cancel or
get a read. How much did you

1006
01:16:54.880 --> 01:17:00.800
pay for this coverage? Two thousand? That's what I would do. Getting

1007
01:17:00.800 --> 01:17:02.239
a refund is not that bad.
The other thing you may want to look

1008
01:17:02.279 --> 01:17:09.159
at is it does the contract actually
say how you have to resolve disputes with

1009
01:17:09.199 --> 01:17:12.720
them if they have an arbitration provision, or they may say that, oh,

1010
01:17:12.800 --> 01:17:15.479
he may not be able to go
to small claims theet This can only

1011
01:17:15.520 --> 01:17:19.399
be brought in timbuck to in the
middle of whatever state. I mean,

1012
01:17:19.640 --> 01:17:23.920
they put these these provisions in there, right, John, That's a good

1013
01:17:23.960 --> 01:17:30.479
point. Good point. You may
find that for sure. Yeah, John,

1014
01:17:30.399 --> 01:17:33.760
what do you think John? I
mean, the refund is the refund,

1015
01:17:33.960 --> 01:17:40.279
Derek, what are your chances of
getting a refund? They're better with

1016
01:17:40.319 --> 01:17:43.399
the dealer than they are with the
no. No, But what about this.

1017
01:17:43.600 --> 01:17:46.039
The dealer maybe won't give you a
refund, but maybe the dealer will

1018
01:17:46.039 --> 01:17:51.840
get it replaced. That's possible,
and the policy I bet they would.

1019
01:17:51.920 --> 01:17:55.760
We'll explore all of that. So
what are you calling about today? What

1020
01:17:55.840 --> 01:18:00.760
can we help you with today?
Okay, So if say there is no

1021
01:18:00.840 --> 01:18:03.359
provisions that it has to go to
mediation. Everything else like that, as

1022
01:18:03.359 --> 01:18:06.880
far as the small claims paper works, the car is register in both my

1023
01:18:06.880 --> 01:18:11.399
wife and I's name, the note
is in both of the my wife and

1024
01:18:11.439 --> 01:18:14.680
I's name, and the bill of
sale, the contract is just with the

1025
01:18:15.640 --> 01:18:18.079
windshields coverage is just in her name. So can it just be her name

1026
01:18:18.600 --> 01:18:21.720
on the suit? Well, John
would have to answer that, but I

1027
01:18:21.720 --> 01:18:25.399
would say, you're all a party. Either one of you could do it.

1028
01:18:25.439 --> 01:18:28.279
But I mean, John, what
do you think. Yeah, whoever

1029
01:18:28.319 --> 01:18:30.479
bought the coverage, whoever the policy
holder is. I mean, essentially,

1030
01:18:30.520 --> 01:18:34.720
this is a policy of insurance.
Whoever the policy holder is is going to

1031
01:18:34.800 --> 01:18:40.119
likely have the standing needed. And
I wouldn't. I wouldn't risk going to

1032
01:18:40.159 --> 01:18:44.079
court if everything else was right,
only to find out that you lose on

1033
01:18:44.199 --> 01:18:46.600
standing because you're not the right party. If you really want to go crazy,

1034
01:18:46.680 --> 01:18:49.800
put both names down, there's no
problem with that. It doesn't it

1035
01:18:49.840 --> 01:18:54.600
doesn't cost anymore to put both you
and your wife down. Consentsure both owners

1036
01:18:54.600 --> 01:18:58.239
of the vehicle. Okay, I'll
do that because I'll be handling most of

1037
01:18:58.239 --> 01:19:01.199
the legwork on this too as it
go through. Now, I would first

1038
01:19:01.279 --> 01:19:05.720
exhaust the peaceful side. I think
sure. I think now small claims you

1039
01:19:05.760 --> 01:19:10.000
can fill out online, you can
you know, have them served all that,

1040
01:19:10.079 --> 01:19:12.760
So, what what's any right?
I am going to go to the

1041
01:19:12.760 --> 01:19:15.399
peaceful side first. The raistered agent
is actually just a few blocks away from

1042
01:19:15.399 --> 01:19:18.159
me in little and I am going
to do that. I just kind of

1043
01:19:18.199 --> 01:19:21.199
wanted to take this opportunity to get
my ducks in a row. Should that

1044
01:19:21.319 --> 01:19:25.880
not work and I have to go
forward this route? Now? My other

1045
01:19:26.000 --> 01:19:28.600
question is, I know there's not
really discovery when it comes to the small

1046
01:19:28.600 --> 01:19:33.520
claims, but there's a lot of
in those recorded phone conversations. There's a

1047
01:19:35.119 --> 01:19:40.720
lot of discussion that would be detrimental
to their argument. Is there any well

1048
01:19:40.760 --> 01:19:45.000
you can simply hold on, how
do you know? Are you just recalling

1049
01:19:45.039 --> 01:19:49.840
it from memory? Yes, I'm
recalling from memory. Then you can testify

1050
01:19:49.840 --> 01:19:54.159
as to what they told you on
the phone and ask them to testify as

1051
01:19:54.159 --> 01:19:57.960
to what they said. No,
it's not going to get to court.

1052
01:19:58.000 --> 01:20:00.239
Bro. First of all, all, I think that, well, you

1053
01:20:00.239 --> 01:20:03.960
think they'll just first, I don't
think I think they have an arbitration clause.

1054
01:20:04.000 --> 01:20:11.399
That's my gut most most most warranties
do now. But I would say,

1055
01:20:11.920 --> 01:20:17.520
either way, you're they're going to
ask you the same stuff. Okay,

1056
01:20:17.760 --> 01:20:20.800
so you still have to you know. And and by the way,

1057
01:20:21.319 --> 01:20:26.079
if you say this is what they
said and they recorded the conversation, it

1058
01:20:26.239 --> 01:20:30.439
kind of puts them on them to
prove you wrong. That was my thought

1059
01:20:30.479 --> 01:20:32.640
as well. If they tried to
just beat something I said, God,

1060
01:20:32.680 --> 01:20:35.319
I'd really be pissed off. What
dealer is this, by the way,

1061
01:20:36.680 --> 01:20:43.319
it's it's a Sonic dealership. Sonics
are good. Way whoa woa? Sonics

1062
01:20:43.319 --> 01:20:46.000
a good organization. I don't say
that a lot. Now. What kind

1063
01:20:46.039 --> 01:20:54.359
of car? Twenty one Mercedes CLS
four fifty? Okay? Nice car?

1064
01:20:54.479 --> 01:20:59.560
Night? Is it Sonic right here
on Colorado Boulevard? Yes? The GM

1065
01:20:59.640 --> 01:21:02.680
there? Have you talk to her? I have not talked to the GM,

1066
01:21:02.720 --> 01:21:06.279
and honestly I don't really have.
I'm not upset with Sonic and Mercedse.

1067
01:21:06.359 --> 01:21:11.199
They've been They've been good throughout the
process. And no, no,

1068
01:21:11.239 --> 01:21:15.560
I'm saying, talk to them man
that she'll she can put a phone call

1069
01:21:15.560 --> 01:21:19.199
in and make this happen. Then
yeah, and then I'll probably do that

1070
01:21:19.239 --> 01:21:23.720
through my service advisor and have to
speak to the GM too and see if

1071
01:21:23.760 --> 01:21:27.359
this can be pushed forward. I
think you're going to have success at the

1072
01:21:27.399 --> 01:21:30.279
sonic level now that you tell me
this. They're not going to screw around

1073
01:21:30.279 --> 01:21:34.039
for a windshield. They're not.
Well that's good, that's for sure.

1074
01:21:35.039 --> 01:21:39.000
Let me know what happens a market. They've been easy to work with,

1075
01:21:39.119 --> 01:21:43.239
so oh, they're great people.
I mean, you know, I have

1076
01:21:43.439 --> 01:21:46.159
called me since I've been on this
phone call. I've done, I've done

1077
01:21:46.800 --> 01:21:48.760
never mind, I don't want to
get into it. But anyway, they're

1078
01:21:48.800 --> 01:21:51.880
they're good people. Again. I
don't have any special deal with them or

1079
01:21:51.920 --> 01:21:58.439
anything. I don't you know.
I'm just telling you I am pretty impressed,

1080
01:21:58.800 --> 01:22:01.239
okay, And I don't say say
that often, uh three all three

1081
01:22:01.359 --> 01:22:12.079
seven one three talks seven one three
eight two five five Go with a sure

1082
01:22:12.159 --> 01:22:15.680
thing Denver's best roofer Excel roofing dot
com. You don't pay a cent until

1083
01:22:15.720 --> 01:22:24.279
you're content. Time for an insurance
check up, free no obligation comparison call

1084
01:22:24.359 --> 01:22:29.319
Compass insurance paying too much your coverage
at dozens of insurance companies find out now

1085
01:22:29.399 --> 01:22:32.439
three all three seven seven to one
help You'll think you're his only customer when

1086
01:22:32.479 --> 01:22:36.199
you choose Frank durand the real estate
man dot Com to list your home with

1087
01:22:36.319 --> 01:22:44.600
Remax Alliance three all three nine two
zero sixteen twenty two. You know Jr.

1088
01:22:45.439 --> 01:22:50.000
One of my YouTube morons. Wow, one of my YouTube morons asked

1089
01:22:50.000 --> 01:22:56.159
a question and uh, it caused
me to go to ar AI to find

1090
01:22:56.199 --> 01:22:58.960
an answer. You guys probably already
heard it. We were playing at during

1091
01:22:59.000 --> 01:23:00.479
the break. Anyway, I might
do that if I have time. But

1092
01:23:00.600 --> 01:23:04.119
anyway, let's go back and figure
out what's going on with these calls.

1093
01:23:05.439 --> 01:23:10.039
Stan has a question on a used
car. Go ahead, Stan, what's

1094
01:23:10.079 --> 01:23:16.840
going on? Stan? What's happening? Hey? Tom? Are you doing

1095
01:23:16.880 --> 01:23:20.520
this afternoon? I'm doing good.
Thank you for listening and for calling.

1096
01:23:20.560 --> 01:23:26.079
What's happening? Hey? I was
wanted? Can we still find used cars

1097
01:23:26.479 --> 01:23:32.439
with under twenty thousand miles on them? One ownership? You? For sure?

1098
01:23:33.039 --> 01:23:36.920
For sure you can. You can
find used cars under twenty thousand miles,

1099
01:23:36.960 --> 01:23:42.560
but you're gonna pay a handsome price
for it. What are you looking

1100
01:23:42.640 --> 01:23:45.159
for? What are you looking for? Seriously? Stan, the last two

1101
01:23:45.199 --> 01:23:49.079
cars I had was only seventeen thousand
miles. I had four tours in the

1102
01:23:49.119 --> 01:23:56.000
cars three hundreds. What's your budget? What is your budget stan between twenty

1103
01:23:56.079 --> 01:24:00.239
twenty five? Now, are you
gonna pay cash or put money down?

1104
01:24:00.399 --> 01:24:04.960
I'm thinking on that I can put
money down and just leave it and have

1105
01:24:05.039 --> 01:24:09.600
it coming out in my chick.
How much money can you put how much

1106
01:24:09.640 --> 01:24:13.760
money can you put down? I
can put down half of it. Well,

1107
01:24:13.800 --> 01:24:17.680
I can pay the whole thing off. Okay, now, please please

1108
01:24:17.720 --> 01:24:24.880
don't think I'm being crazy here.
Okay, Nowadays, nowadays, because of

1109
01:24:24.960 --> 01:24:31.720
supply and demand and because of the
way the market is used, cars are

1110
01:24:31.760 --> 01:24:39.880
not a great value. They're still
cheaper than new cars, but not necessarily

1111
01:24:40.720 --> 01:24:46.119
a good value. So what I'm
saying is this, there are truly some

1112
01:24:46.319 --> 01:24:53.680
great cars right now. You can
get new with a good, healthy down

1113
01:24:53.720 --> 01:24:59.239
payment. You can have pretty low
car payments with ten year warranties. So

1114
01:24:59.479 --> 01:25:03.319
I'm just asking you to consider it. I'm not saying to do it.

1115
01:25:03.319 --> 01:25:09.760
It's truly truly worth looking at.
I'm telling you you look at a Kia,

1116
01:25:09.960 --> 01:25:13.840
or you look at a Hyundai or
now now don't now you're gonna pay

1117
01:25:13.840 --> 01:25:16.520
out the nose for Toyotas and Nissans. But these other cars are just as

1118
01:25:16.560 --> 01:25:19.840
good. Now, why am I
saying it? I'm telling you you can

1119
01:25:19.880 --> 01:25:23.199
get a sportage. You can get
I don't know what size you want.

1120
01:25:23.199 --> 01:25:25.319
Do you want a little suv or
do you want a car? What do

1121
01:25:25.359 --> 01:25:27.960
you want? Man? What do
you want? I've got a full TOAs

1122
01:25:28.119 --> 01:25:34.039
now so sdan a little Sudan.
Yeah, you can get those for a

1123
01:25:34.119 --> 01:25:38.600
song man. And not only can
you get them pretty cheap. Here's what

1124
01:25:38.640 --> 01:25:42.680
I love about it. You can
get them and you'll have a new car

1125
01:25:42.880 --> 01:25:48.520
under warranty with nobody's problems. That's
what I was looking forward. No,

1126
01:25:48.520 --> 01:25:54.520
no, listen the reason listen.
I have just recently started recommending this when

1127
01:25:54.560 --> 01:26:00.159
the warranties became so good and the
cars became so good, and the use

1128
01:26:00.159 --> 01:26:04.399
cars have held their values, so
obviously new cars are becoming better values.

1129
01:26:04.439 --> 01:26:09.760
Now. It's not going to be
a good value if you're going to get

1130
01:26:09.880 --> 01:26:13.359
rid of it right away, but
if you're going to drive it and love

1131
01:26:13.399 --> 01:26:15.880
it, you're going to have one
hell of a deal. Especially now.

1132
01:26:15.920 --> 01:26:21.720
This would not be necessarily for people
who are who are weighing buying it for

1133
01:26:21.880 --> 01:26:27.800
cash a used car or financing a
new car. But you're in a position

1134
01:26:28.279 --> 01:26:31.359
where you're going to finance very little
or you're going to pay it off.

1135
01:26:31.720 --> 01:26:36.439
I'm telling you, bro, you
want to consider a new car, you

1136
01:26:36.560 --> 01:26:42.279
really do. Now. That doesn't
mean you go out and you overpay for

1137
01:26:42.399 --> 01:26:45.560
it either. Okay, Now I
want to ask a few questions here.

1138
01:26:45.159 --> 01:26:53.119
What kind of what kind of mileage
you put on a car? Very little?

1139
01:26:53.159 --> 01:26:56.000
Now? But I'm retired. Now. You may want a lease,

1140
01:26:56.119 --> 01:27:00.760
Bro, You may want a lease, and leasing is something people don't even

1141
01:27:00.840 --> 01:27:05.239
consider anymore. But leasing will give
you low payments if you put on low

1142
01:27:05.319 --> 01:27:10.399
mileage, and I can tell you
where to go for that, I would

1143
01:27:10.399 --> 01:27:14.920
go right now. I wouldn't go
anywhere but Jaffar Cars. And talk to

1144
01:27:15.760 --> 01:27:17.520
Perry over there. I forget his
first name. I think it's Bob Perry.

1145
01:27:17.760 --> 01:27:21.119
Or talk to jfar Cars. Talk
to Rodney, our guy Rodney.

1146
01:27:21.439 --> 01:27:25.880
If you want to lease a car
you're paying now, I just want to

1147
01:27:25.920 --> 01:27:29.520
give you an idea. Do you
know a little sedan called the Kia Forte,

1148
01:27:29.560 --> 01:27:32.880
a really nice little sedan. Do
you know they top out? They

1149
01:27:33.039 --> 01:27:40.640
top out at twenty five thousand brand
new. Yeah, that's something like I

1150
01:27:40.680 --> 01:27:44.840
would look into because I don't want
no car. No or something coming living

1151
01:27:44.880 --> 01:27:47.359
on a sixth income and what people
think it is? This thing? No,

1152
01:27:47.359 --> 01:27:50.119
no, this thing will lasts a
long time for you. It'll last

1153
01:27:50.199 --> 01:27:56.319
a long time. Now they have
the bigger Kia that tops out at thirty.

1154
01:27:56.560 --> 01:27:59.680
We're talking topping out, sir.
We're not talking about you know,

1155
01:27:59.760 --> 01:28:01.119
if you want to get a base
or model, you can get one for

1156
01:28:01.399 --> 01:28:08.239
You can get a Kia Forte for
around twenty grand right, Okay, Now

1157
01:28:08.399 --> 01:28:13.319
look here's where I would start.
I'm serious. JFR cars. They're good

1158
01:28:13.399 --> 01:28:16.000
people. If they don't have a
good deal, they'll tell you. They'll

1159
01:28:16.000 --> 01:28:20.239
say, you know what, go
here or go there. That's how good

1160
01:28:20.279 --> 01:28:25.680
they are. Do you have that
number for them, Kelly, I don't

1161
01:28:25.680 --> 01:28:29.479
have it right on my fingertips.
JFMR. I can look it up when

1162
01:28:29.479 --> 01:28:33.720
I get hung. Yeah, jf
R. Okay, and yeah JFR.

1163
01:28:33.880 --> 01:28:41.880
That would be like you know,
Juliet Foxtrot Aromea. Yeah, because I'm

1164
01:28:41.920 --> 01:28:45.479
looking for some in that range twenty
to twenty five. I can get good

1165
01:28:45.479 --> 01:28:48.880
of the one I got now,
Oh you'll love it. And they have

1166
01:28:49.039 --> 01:28:54.920
ten the ones i'm telling you about, they have ten year warranties. Yeah,

1167
01:28:56.439 --> 01:29:00.479
and I'm seventy two, so I
won't look by nothing else, you

1168
01:29:00.479 --> 01:29:02.239
know, once I get this other
one. Man, don't you be talking

1169
01:29:02.319 --> 01:29:05.600
like that. That's gonna piss me
off. No, no, no,

1170
01:29:05.760 --> 01:29:12.600
I'm gonna make it to ninety.
But I'm okay. Thank you for calling,

1171
01:29:12.800 --> 01:29:15.079
and uh, well, just hit
the gym, bro, hit the

1172
01:29:15.199 --> 01:29:19.600
gym. One more quick question.
I guess yeah. My engine light came

1173
01:29:19.640 --> 01:29:26.359
on this forward toward and I had
a lady tell me open my gas cap.

1174
01:29:26.800 --> 01:29:29.560
Now it could be you know what
you do is open it and then

1175
01:29:29.680 --> 01:29:32.239
tighten it again. Yes, you
tighten it. I don't have a cap

1176
01:29:32.319 --> 01:29:36.039
on this. This one's a cap. Okay. I don't know what it

1177
01:29:36.079 --> 01:29:40.279
could be, but it could be
serious, it could be nothing. You

1178
01:29:40.319 --> 01:29:43.359
don't want to drive around too long
with that engine light. Now, if

1179
01:29:43.399 --> 01:29:46.239
you drive by Shardan Auto Tech,
they'll take a look at it and run

1180
01:29:46.279 --> 01:29:51.880
a code for nothing. Okay,
yeah, okay, and they'll give you

1181
01:29:51.920 --> 01:29:55.720
an idea. They're good, honest
people. Yeah, they'll run a code.

1182
01:29:55.760 --> 01:29:58.479
If you pull in and they have
time, they'll come out and just

1183
01:29:58.520 --> 01:30:00.920
hook up a code reader and let
you know what it could be. Thank

1184
01:30:00.960 --> 01:30:04.359
you for calling. Three O three
seven to one three talks seven one three

1185
01:30:04.359 --> 01:30:09.920
A two five five. Speaking of
cars, One Clear Choice Garage Doors.

1186
01:30:10.439 --> 01:30:15.680
I love these people for the most
thorough wonderful garage door service, including if

1187
01:30:15.720 --> 01:30:18.359
your door doesn't open or close properly, if you need adjustments minor things,

1188
01:30:18.399 --> 01:30:23.680
the whole door, the whole opener
factory authorized for both stores. All of

1189
01:30:23.720 --> 01:30:33.840
their prices are on their website.
One clear Choice Doors dot com. Go

1190
01:30:33.960 --> 01:30:39.199
with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay

1191
01:30:39.239 --> 01:30:45.000
a cent until you're content. Time
for an insurance check up free, no

1192
01:30:45.119 --> 01:30:50.039
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

1193
01:30:50.039 --> 01:30:54.720
of insurance companies find out now three
oh three seven to seven to one help.

1194
01:30:54.880 --> 01:30:58.439
You'll think you're his only customer when
you choose Frank durand the real estate

1195
01:30:58.520 --> 01:31:01.920
Man dot com to list your home
with Remax Alliance three all three nine two

1196
01:31:02.000 --> 01:31:13.000
zero sixteen twenty two. Hi Tom
Martino, your trouble shooter three oh three

1197
01:31:13.039 --> 01:31:16.239
seven one three talk three oh three
seven one three eight two five five.

1198
01:31:16.399 --> 01:31:24.640
So let's continue here. Anna,
you want information on skimming? Do you

1199
01:31:24.680 --> 01:31:30.039
mean like credit card skimming? What's
going on? Yeah? So there was

1200
01:31:30.079 --> 01:31:35.800
a news story KDVR did something on
it, and the Longmont Public Stafety Office

1201
01:31:36.680 --> 01:31:44.800
posted on Facebook and nextdoor about it
that apparently skimmers were installed on the credit

1202
01:31:44.840 --> 01:31:49.960
card readers at merchants various merchants around
Longmont over the long weekend. Wow.

1203
01:31:50.199 --> 01:31:58.159
And the issue is they refuse to
tell the public because everybody, if you

1204
01:31:58.199 --> 01:32:01.680
look at the various next door and
face book posts, everybody's commenting saying,

1205
01:32:01.720 --> 01:32:05.439
well which merchants? So you know, people can find out did I shop

1206
01:32:05.560 --> 01:32:09.760
at one? Now? That would
be that would be the obvious thing to

1207
01:32:09.800 --> 01:32:15.960
do, you would think, so
well, they are adamant in refusing to

1208
01:32:15.039 --> 01:32:20.239
disclose which merchants, and they're replies
to people, it's all you know,

1209
01:32:20.279 --> 01:32:25.439
it's all there to be read.
They say, well, you'll just have

1210
01:32:25.640 --> 01:32:28.239
this doesn't protect you in the future. Well, of course not, but

1211
01:32:28.279 --> 01:32:30.279
it does let you know what do
you need to do now kind of thing

1212
01:32:30.720 --> 01:32:33.920
or something right, If you didn't
shop there, then you don't have to

1213
01:32:33.920 --> 01:32:38.119
worry about it. But if you
did shop there, you can now decide

1214
01:32:38.159 --> 01:32:40.680
if you want to cancel your card
or what do you want to do?

1215
01:32:41.239 --> 01:32:45.279
And I would assume that the banks
for the debit cards affected, and the

1216
01:32:45.279 --> 01:32:49.760
credit card companies would probably prefer that
customers know and do something in it.

1217
01:32:50.359 --> 01:32:57.560
How crazy what you're telling me makes
no sense. Yep, well that's why

1218
01:32:57.600 --> 01:33:05.319
I called so, because yeah,
and So. I contacted the Longwot Public

1219
01:33:05.359 --> 01:33:08.960
Safety Office myself. I thought,
well, I'll just call and see,

1220
01:33:09.000 --> 01:33:14.479
maybe they'll tell me something. Nope, completely refusing, they said, the

1221
01:33:14.600 --> 01:33:17.199
merchants are victims and they don't want
to identify them as victims. Well,

1222
01:33:17.199 --> 01:33:20.159
first of all, the merchants aren't
the victims. Really, they're the intermediary.

1223
01:33:20.239 --> 01:33:25.039
The victims are the people and ultimately
the banks and credit cards who if

1224
01:33:25.079 --> 01:33:29.119
money gets stolen they may never recover
it. But I also said, well,

1225
01:33:29.159 --> 01:33:32.159
normally victims are named, unless it's
a child or some special situation where

1226
01:33:32.159 --> 01:33:36.760
you protect the victim's identity. But
these are businesses and the public. You

1227
01:33:36.800 --> 01:33:41.119
know, Longmont public Safety, it's
in the name. They're supposed to be

1228
01:33:41.159 --> 01:33:45.319
looking out for the public, the
interests of the citizenship paid exactly the businesses.

1229
01:33:45.079 --> 01:33:48.880
I also called the Longmont Mayor's office, and the woman I supposed to

1230
01:33:48.960 --> 01:33:53.680
there was extremely helpful but obviously couldn't
really do anything. But she did say

1231
01:33:53.680 --> 01:33:57.079
she would pass it along that the
mayor's staff was going to pass it along

1232
01:33:57.119 --> 01:34:01.039
to city council. And so I
don't know if they can instruct this Longmont

1233
01:34:01.119 --> 01:34:05.239
Public Safety Police Department to reveal it. But in the meantime, here we

1234
01:34:05.279 --> 01:34:10.760
are, members of the public are
all trying to get information and for what

1235
01:34:11.079 --> 01:34:14.680
you know, for some reason,
the Longmont Public Safety pase. Oh man,

1236
01:34:15.199 --> 01:34:17.479
I have never heard of such a
stupid I mean, that is the

1237
01:34:17.479 --> 01:34:24.319
most ridiculous thing I've ever heard.
Yep, so there it is. Well,

1238
01:34:24.720 --> 01:34:26.600
so I don't know if you can
draw a top top of this.

1239
01:34:26.720 --> 01:34:30.840
And I mean, you know,
we have done crazy stuff and influenced people

1240
01:34:30.920 --> 01:34:36.720
to you know, we have done
some crazy stuff like that. I'll tell

1241
01:34:36.760 --> 01:34:42.960
you. We've had people open up
damn investigations when they refuse to in the

1242
01:34:43.000 --> 01:34:46.920
past. We've done things. But
it might be something worth looking into it.

1243
01:34:47.159 --> 01:34:51.199
It's crazy that they will not tell
but all they say is be on

1244
01:34:51.239 --> 01:34:57.319
the lookout. Meanwhile, they don't
give you any kind Oh my god,

1245
01:34:57.399 --> 01:35:00.239
this is crazy, right, yeah, I mean it could be. It

1246
01:35:00.279 --> 01:35:03.399
could. Every single person that did
any shopping and long mind over the long

1247
01:35:03.479 --> 01:35:09.600
weekend is now being told, well, you need to monitor your card statement,

1248
01:35:09.880 --> 01:35:12.680
and you know, in other words, it's our problem. You know

1249
01:35:12.760 --> 01:35:16.119
when when half those people probably didn't
shop at any of the stores affected,

1250
01:35:16.399 --> 01:35:19.520
so they don't have to be quite
as stressed out, and then the other

1251
01:35:19.600 --> 01:35:24.960
half that did can now make decisions
call their card companies, put their things

1252
01:35:24.960 --> 01:35:27.600
on hold, warn the bank,
close the car, you know, cancel

1253
01:35:27.680 --> 01:35:30.359
the card. Whatever they're as it
is, they're not giving anybody And it

1254
01:35:30.399 --> 01:35:36.439
just seems to me like that this
is a complete, yeah, absolutely crazy

1255
01:35:36.560 --> 01:35:41.720
after application is to the public.
Yeah, it's totally crazy. It's just

1256
01:35:41.840 --> 01:35:45.600
stupid. And I mean and then
I don't see what the justification for it

1257
01:35:45.640 --> 01:35:50.359
is. So we ought to actually, you know, this is something in

1258
01:35:50.399 --> 01:35:54.640
my opinion, this is something worth
looking into. It really is. I

1259
01:35:54.640 --> 01:35:59.880
mean, so this is long Mont
Police. Yeah, it's the long month.

1260
01:36:00.239 --> 01:36:03.800
If you look on Facebook you'd probably
see it. Longmont Public Safety is

1261
01:36:03.920 --> 01:36:09.960
the team of the of the I
don't know if it's there sort of public

1262
01:36:10.239 --> 01:36:15.560
you know press or you know,
public information, you know, office for

1263
01:36:15.640 --> 01:36:17.119
the lows. Hey, Kitchina,
do you want to do you want to

1264
01:36:17.119 --> 01:36:19.680
make a call up there? We
ought to. We ought to make a

1265
01:36:19.720 --> 01:36:24.520
call up there and see what the
hell's going on seriously. I mean,

1266
01:36:24.720 --> 01:36:30.920
it's a It sounds ridiculous to me, It really does. It sounds absolutely

1267
01:36:30.000 --> 01:36:34.039
ridiculous to hold on and we will, uh we Well, you don't have

1268
01:36:34.079 --> 01:36:38.520
to hold on, Actually you can
listen. I would really like to know

1269
01:36:38.880 --> 01:36:42.720
what the hell's going on. I
really would three all three seven one three

1270
01:36:43.159 --> 01:36:45.560
eight two five five. Thank you
for telling us, John Fuller Fullerlaw.

1271
01:36:45.560 --> 01:36:50.960
I got some questions here. Some
guy was at an accident or he had

1272
01:36:51.000 --> 01:36:57.640
an accident and got the name of
a witness who now will not cooperate,

1273
01:36:58.159 --> 01:37:01.079
but he has the name, he
knows they saw it, and he has

1274
01:37:01.119 --> 01:37:05.760
their number and all of that.
Have you ever had to compel people?

1275
01:37:05.800 --> 01:37:10.279
I mean, is there a such
thing in personal injury to subpoena people.

1276
01:37:11.600 --> 01:37:16.720
Well, your subpoena powers don't really
come into existence until after litigation has been

1277
01:37:16.800 --> 01:37:21.039
filed, and so prior to filing
a lawsuit, there is no way to

1278
01:37:21.039 --> 01:37:28.680
really compel somebody. Oh really,
okay testimony, So yeah, but you

1279
01:37:28.800 --> 01:37:32.000
can't. You know, sometimes people
just they just don't want to get involved,

1280
01:37:32.079 --> 01:37:40.000
and usually it's because they perceive some
you know, something negative coming out

1281
01:37:40.079 --> 01:37:43.960
of it, either that they're they're
putting themselves at risk or that you know,

1282
01:37:44.000 --> 01:37:46.800
they're going to get dragged into some
big, you know, proceeding or

1283
01:37:46.840 --> 01:37:53.079
something. And you know, sometimes
I've sent out investigators and had him go

1284
01:37:53.159 --> 01:37:56.439
knock on the door and just have
a friendly chat with them. And sometimes

1285
01:37:56.520 --> 01:38:01.199
those people are willing to just sign
a statement, and oftentimes that statement will

1286
01:38:01.279 --> 01:38:05.239
really grease the way towards everything getting
worked out in the end, and then

1287
01:38:05.279 --> 01:38:10.760
that forecloses the need to go into
litigation and the need to do anything else.

1288
01:38:10.800 --> 01:38:13.920
They just you know, at that
stage, it's really just a quest

1289
01:38:14.000 --> 01:38:17.239
for the truth who's at fault for
the accident, and once we've got that

1290
01:38:17.399 --> 01:38:23.800
established, everything else will fall into
place. Okay. So basically we're saying

1291
01:38:23.880 --> 01:38:28.560
that it's worth uh, it's worth
pursuing. I mean, if you know

1292
01:38:28.680 --> 01:38:32.439
you're in the right and somebody can
somebody can verify it. Yeah. But

1293
01:38:32.720 --> 01:38:35.000
I think the key to it,
Tom, is that you know, the

1294
01:38:35.079 --> 01:38:41.239
approach matters, and trying to compel
somebody is never a really good way to

1295
01:38:41.239 --> 01:38:45.399
get, you know, really favorable
testimony because they know, I know,

1296
01:38:45.479 --> 01:38:54.119
you quote unknot forget things and misremember
or whatever the right right exact or something.

1297
01:38:54.159 --> 01:38:56.920
But you don't want to piss people
off and try to get them on

1298
01:38:56.960 --> 01:39:01.760
your side. Is what you're saying
that is exactly right, because then you

1299
01:39:01.880 --> 01:39:06.479
end up sometimes just having an enemy
you know, you know or there or

1300
01:39:06.520 --> 01:39:11.760
the yeah, hey so soprate you
know, No, I know exactly what

1301
01:39:11.800 --> 01:39:15.079
you're saying. That it that that
makes a lot of sense. Okay,

1302
01:39:15.279 --> 01:39:17.359
So we have more coming up on
the Troubleshooter Show. Three o three seven

1303
01:39:17.399 --> 01:39:28.159
one three eight two five five.
Go with a sure thing Denver's Best roofer

1304
01:39:28.279 --> 01:39:34.439
Excel Roofing dot com. You don't
pay a cent until you're content. Time

1305
01:39:34.479 --> 01:39:39.359
for an insurance check up free,
no obligation. In comparison, call Compass

1306
01:39:39.399 --> 01:39:44.039
Insurance paying too much your coverage at
dozens of insurance companies find out now three

1307
01:39:44.119 --> 01:39:46.920
oh three seven seven to one help. You'll think you're his only customer when

1308
01:39:46.960 --> 01:39:50.720
you choose Frank durand the real estate
Man dot com to list your home with

1309
01:39:50.840 --> 01:40:01.680
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi, Tom

1310
01:40:01.720 --> 01:40:08.119
Martino, You're a troubleshooter three zero
three seven one three talks seven one three

1311
01:40:08.239 --> 01:40:14.640
eight two five five. So we're
trying to get to the bottom of this

1312
01:40:14.880 --> 01:40:24.279
uh situation. Where Longmont is putting
out a warning, yet they won't tell

1313
01:40:24.319 --> 01:40:30.079
you where it's targeted. It's the
most ridiculous thing we've ever heard. Some

1314
01:40:30.119 --> 01:40:32.680
credit cards skimming they discovered, but
they won't tell you which merchants. I

1315
01:40:32.680 --> 01:40:38.079
mean, how stupid is that?
I guess because they're thinking it'll hurt the

1316
01:40:38.159 --> 01:40:42.800
merchant. I don't think it'll hurt
the merchant. I mean, and it's

1317
01:40:42.840 --> 01:40:47.399
something you should know about. Warning
you could have been skimmed, but we're

1318
01:40:47.399 --> 01:40:50.840
not going to tell you where it
could have happened. Again, honest to

1319
01:40:50.880 --> 01:40:57.439
god, it's like what happens to
brains in police departments. As you go

1320
01:40:57.560 --> 01:41:01.600
further north, what happens. Remember
what happened with Brighton police. Now I

1321
01:41:01.640 --> 01:41:04.439
should update that, and I'm going
to do it in the next hour because

1322
01:41:04.520 --> 01:41:09.520
I owe them an apology, not
because I was wrong, but because of

1323
01:41:09.960 --> 01:41:15.800
the positive action they've taken. The
story was unfolding accurately. It was unfolding

1324
01:41:15.960 --> 01:41:20.039
accurately. However, these people more
than made up for it, and I

1325
01:41:20.319 --> 01:41:24.720
love talking about that. So I
got to make a note to update this.

1326
01:41:25.079 --> 01:41:30.880
Coming up now, John further information
here on accident scenes. We talked

1327
01:41:30.920 --> 01:41:39.199
about dash cams and is there anything
special people need to do? If someone

1328
01:41:39.319 --> 01:41:43.000
says, oh, it was my
fault. How many times have we heard

1329
01:41:43.039 --> 01:41:45.439
this? And then when it comes
down to actually doing a claim, the

1330
01:41:45.439 --> 01:41:50.199
insurance company says, well, you
know, it's like the insured then claims

1331
01:41:50.199 --> 01:41:57.760
something else. Would it be inappropriate
if somebody starts rattling and talking to record

1332
01:41:57.800 --> 01:42:01.760
them. I mean, it's a
one and sense state. Yeah, it's

1333
01:42:02.239 --> 01:42:09.239
it's probably legal to do that.
But I mean, I don't know if

1334
01:42:09.720 --> 01:42:12.920
if you had any doubts and you
wanted to videotape some money. I can't

1335
01:42:12.920 --> 01:42:16.279
imagine that they're gonna sit there on
videotape or or something and just rattle off,

1336
01:42:16.359 --> 01:42:20.920
you know, how badly they screwed
up in causing the accident. The

1337
01:42:21.039 --> 01:42:27.159
more important thing to me is witnesses. I always like, you know,

1338
01:42:27.359 --> 01:42:30.560
unbiased people that witness what happen.
If you can get the name and number

1339
01:42:30.600 --> 01:42:35.239
of one or two people that actually
saw what happened and thought to pull over

1340
01:42:35.359 --> 01:42:39.079
and you know, render aid and
that kind of stuff, you know,

1341
01:42:39.239 --> 01:42:42.680
short of a dash cam, that's
kind of the gold standard. They they

1342
01:42:42.800 --> 01:42:45.439
tend to discount the two people that
were actually in the accident a little bit

1343
01:42:45.439 --> 01:42:50.279
for obvious reasons, but completely unbiased
people that that witnessed what was going on.

1344
01:42:50.720 --> 01:42:56.560
That that really is hard to assail
those people's credibility. Yeah, for

1345
01:42:56.640 --> 01:43:00.000
sure it is. Now, what
about witnesses in your are are they worth

1346
01:43:00.000 --> 01:43:02.720
the damn? I mean, you
know what I'm saying that they obviously,

1347
01:43:03.119 --> 01:43:06.720
yeah, they're better than nothing.
You know, they're they you know,

1348
01:43:08.279 --> 01:43:12.119
are they potentially biased? Of course, but they're better than nothing. It

1349
01:43:12.279 --> 01:43:15.439
just adds it. You know,
two people say it versus one guy on

1350
01:43:15.479 --> 01:43:20.079
the other side. So better than
nothing, but not great. I got

1351
01:43:20.119 --> 01:43:27.920
you. And again we're talking to
John Fuller Fuller Law three oh three five

1352
01:43:28.039 --> 01:43:31.119
nine seven forty five hundred. When
he's not here, he's chiming in on

1353
01:43:31.159 --> 01:43:35.439
this and a bunch of other calls
as well. And I'd like you to

1354
01:43:35.880 --> 01:43:40.600
stay tuned for the follow up I
have on the Brighton situation. And then

1355
01:43:40.880 --> 01:43:44.039
we tried to get a comment from
long Line. Now, Kachina, what

1356
01:43:44.079 --> 01:43:45.479
did they say, did they say
they wouldn't comment or what? What?

1357
01:43:45.640 --> 01:43:50.119
Exactly? No, they actually were
really nice about it. So they're actually

1358
01:43:50.239 --> 01:43:55.479
in the process of trying to figure
out who best to talk to. Good

1359
01:43:55.640 --> 01:43:58.880
Actually my name and number, so
hopefully they'll give us a call back.

1360
01:43:59.359 --> 01:44:01.560
Okay, that's great. Three O
three seven to one three talk seven one

1361
01:44:01.600 --> 01:44:05.479
three eight two five five and again
I have some stories here. I wanted

1362
01:44:05.520 --> 01:44:15.159
to talk about fast food restaurants fast
service. By the way, there is

1363
01:44:15.239 --> 01:44:23.359
an estimate that thousands and thousands of
these are going to be closing up due

1364
01:44:23.399 --> 01:44:30.680
to the increase in minimum wages across
the country along with the increase and costs

1365
01:44:30.880 --> 01:44:34.840
for supplies and foods. Or they're
going to be at a price point where

1366
01:44:34.880 --> 01:44:39.880
people are no longer going to go
there, and they're saying that the entire

1367
01:44:40.079 --> 01:44:44.399
industry has taken a turn. I'm
Tom Martinez. We have more coming up

1368
01:44:44.439 --> 01:44:46.279
on the Troubleshooter Show three oh three, seven to one to three talk.

1369
01:44:46.359 --> 01:44:57.119
Get your calls in, We'll take
them and solve your problems. Go with

1370
01:44:57.199 --> 01:45:01.159
a sure thing Denver's Best roofer Excel
Roofing. You don't pay a cent until

1371
01:45:01.199 --> 01:45:09.359
you're content. Please time for an
insurance check up free, no obligation comparison

1372
01:45:09.520 --> 01:45:14.600
call Compass insurance paying too much your
coverage at dozens of insurance companies find out

1373
01:45:14.640 --> 01:45:17.159
now three oh three seven seven to
one help. You'll think you're his only

1374
01:45:17.279 --> 01:45:20.840
customer. When you choose Frank durand
the real estate man dot com to list

1375
01:45:20.920 --> 01:45:26.359
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

1376
01:45:31.720 --> 01:45:42.680
Ripped of news, need advis you
don't have run as fast as we can

1377
01:45:43.560 --> 01:45:50.640
show Shooter's gonna help come Man six
is the Troubleshooter Show. Now Tom Martino,

1378
01:45:53.239 --> 01:45:56.560
Hi, Tom Martino here, Welcome
to the show. Three oh three

1379
01:45:57.079 --> 01:46:01.119
seven one three talk three oh three
one three eight two five five. What's

1380
01:46:01.159 --> 01:46:04.399
going on in your life? We've
had slam lines all morning and now we

1381
01:46:04.439 --> 01:46:06.920
have lines open so you can get
right through if you have a problem,

1382
01:46:08.000 --> 01:46:13.640
question or complaint at three all three
seven one three talk three all three seven

1383
01:46:13.720 --> 01:46:16.600
one three eight two five five In
with me today John Fuller Fuller Law,

1384
01:46:17.199 --> 01:46:21.600
and John is our personal injury expert, but he talks about a lot of

1385
01:46:21.600 --> 01:46:26.960
things. We were talking about some
of the issues. Some of the calls

1386
01:46:27.000 --> 01:46:32.039
that came in today were quite uh, quite interesting. On uh, the

1387
01:46:32.079 --> 01:46:36.760
windshield coverage by the way, on
cars. I don't like windshield coverage on

1388
01:46:36.840 --> 01:46:42.960
cars now I like it with your
regular insurance. As far as after market,

1389
01:46:44.479 --> 01:46:48.840
the idea of an F and I
financing. An insurance officer or person

1390
01:46:49.159 --> 01:46:54.800
in a dealership is to try to
run up the gross so they make more

1391
01:46:54.880 --> 01:46:58.640
money and a car. Nothing wrong
with that if they if you want to

1392
01:46:58.640 --> 01:47:00.119
buy the stuff now, the only
thing I would buy it an F and

1393
01:47:00.199 --> 01:47:02.560
I office and I have in the
past, and I don't mind. There's

1394
01:47:02.600 --> 01:47:05.800
two things I would buy. Two
things. Can you guess what they are?

1395
01:47:05.880 --> 01:47:10.760
John? Now, aftermarket we're talking
about the world of extended warranties,

1396
01:47:10.880 --> 01:47:14.880
credit, life and disability. We're
talking about windshield coverage. We're talking about

1397
01:47:15.119 --> 01:47:17.159
mop and glow, as Mark calls
it. Where the paint protecting, the

1398
01:47:17.199 --> 01:47:25.840
interior protecting, special undercoating, glass
protection, theft protection, lowjack whatever.

1399
01:47:26.079 --> 01:47:29.039
What do you think I buy?
There are two things that I swear to

1400
01:47:29.039 --> 01:47:32.359
God I will buy every time at
a dealership. And they've always made money,

1401
01:47:32.439 --> 01:47:35.039
not made money, but they've always
worked for me. What do you

1402
01:47:35.079 --> 01:47:39.800
think? Yeah, I don't know. The things that we see that get

1403
01:47:39.960 --> 01:47:44.880
utilized successfully, most of all are
going to be your gap insurances. And

1404
01:47:44.960 --> 01:47:49.119
then you know, to a degree, I think drive train warranties make a

1405
01:47:49.239 --> 01:47:53.359
difference if you're going to keep a
vehicle for a really long time. Yeah,

1406
01:47:53.640 --> 01:47:56.199
if you buy it when it's new, you get a certain amount of

1407
01:47:56.239 --> 01:48:00.560
concurrent coverage that doesn't really work well. But you're right, But are also

1408
01:48:00.960 --> 01:48:03.680
the cheapest times to buy, you
know. I've seen people that keep their

1409
01:48:03.760 --> 01:48:08.359
vehicles and put several hundred thousand miles
on them and stuff, and they they

1410
01:48:08.399 --> 01:48:12.000
get their money's worth out of those. But but you know, for most

1411
01:48:12.039 --> 01:48:14.039
people, it doesn't make a lot
of sense. What do you what do

1412
01:48:14.119 --> 01:48:16.159
you like? Which one is I
like? Okay? I like? By

1413
01:48:16.199 --> 01:48:21.960
the way, with gap, if
you've never bought a car on mistake or

1414
01:48:23.039 --> 01:48:26.760
overpaid in the past, a gap
gap insurance just a word on that.

1415
01:48:27.439 --> 01:48:31.399
Gap insurance will only pay up to
one hundred and twenty five percent of value,

1416
01:48:31.640 --> 01:48:39.079
not including any previous equity rolled into
a purchase. And they'll go back

1417
01:48:39.119 --> 01:48:43.079
and look, which means this,
if you're trading in a car and you

1418
01:48:43.159 --> 01:48:45.560
owe a little more than it's worth, none of your new negative in equity,

1419
01:48:45.720 --> 01:48:48.640
right, yes, negative equity,
that's right. So yeah, if

1420
01:48:48.720 --> 01:48:53.960
negative equity is rolled into the next
deal, none of that negative even if

1421
01:48:54.000 --> 01:48:56.840
it's within the one hundred and twenty
five percent, they won't pay it.

1422
01:48:56.880 --> 01:49:01.279
The only the only difference they're going
to make meean what the insurance offers for

1423
01:49:01.359 --> 01:49:06.560
your car and what the payoff is
is if you simply bought the car for

1424
01:49:06.800 --> 01:49:13.479
MSRP or less and if you paid
more, that's on you. Okay,

1425
01:49:13.760 --> 01:49:18.640
they will not pay what I call
stupidity insurance. A lot of people think

1426
01:49:18.800 --> 01:49:23.560
if they overpaid for a car and
they get in an accident, they're going

1427
01:49:23.600 --> 01:49:28.319
to somehow get made whole through that
car payment. I'm seeing that car loan,

1428
01:49:28.399 --> 01:49:30.960
They're not going to. There's a
lot of stuff on gap insurance.

1429
01:49:31.000 --> 01:49:34.359
And I'm not saying it's a bad
coverage. I'm just saying it's not going

1430
01:49:34.439 --> 01:49:41.520
to cover stupidity. It's only going
to cover a car that depreciated. That's

1431
01:49:40.760 --> 01:49:44.720
so. I will also tell you
though that I mean, Tom, you

1432
01:49:44.720 --> 01:49:47.079
know, people get victimized in these
accidents, and it's just a shame.

1433
01:49:47.159 --> 01:49:51.399
But I've seen people that you know, are financed up to the hilt and

1434
01:49:51.760 --> 01:49:56.640
and maybe they're you know, the
car is depreciated to the point where there

1435
01:49:56.640 --> 01:50:00.479
are a couple thousand dollars upside down. But here's what happened. The car

1436
01:50:00.520 --> 01:50:03.279
gets totaled. The actual cash value
of the car is you know, two

1437
01:50:03.399 --> 01:50:06.640
or three thousand dollars less than what's
owed on it. But then they have

1438
01:50:06.760 --> 01:50:11.479
to turn around and try to buy
a new car, and the bank is

1439
01:50:11.479 --> 01:50:14.479
saying, we want our two or
three thousand dollars, and they want that

1440
01:50:14.600 --> 01:50:17.399
back now because they have no collateral
on it and they need a new loan

1441
01:50:17.439 --> 01:50:21.800
on a car. So it's it's
really I mean, your damages are magnified

1442
01:50:23.520 --> 01:50:27.560
way out of proportion with the actual
dollar amount of the deficit. And so

1443
01:50:27.800 --> 01:50:31.399
I have seen where it's really saved
the day. It's not a magic one

1444
01:50:31.520 --> 01:50:35.640
that can make up for somebody's just
you know, foolish, you know,

1445
01:50:35.800 --> 01:50:42.439
borrowing and buying every single aftermarket everything
you can possibly finance on a car.

1446
01:50:42.840 --> 01:50:45.319
But if you're you know, if
you're going to be close and you're not

1447
01:50:45.439 --> 01:50:48.279
one to really have a lot of
equity in a vehicle, it is worth

1448
01:50:48.359 --> 01:50:55.439
its weight in gold. You know
two things I buy every time? Prepaid

1449
01:50:55.520 --> 01:51:02.000
service, not a service contract.
It's pre paid service. Now, why

1450
01:51:02.039 --> 01:51:06.479
do they sell prepaid service because they
want you to come back to the dealership.

1451
01:51:06.840 --> 01:51:12.680
Okay, and you can take it
sometimes to other factory dealers, but

1452
01:51:12.880 --> 01:51:16.560
they want you to come back for
service. So a prepaid service is not

1453
01:51:16.720 --> 01:51:20.159
for warranty. Warranty is wary as
warranty, you're going to get that anyway.

1454
01:51:20.680 --> 01:51:27.159
But prepaid service is for the stuff
you would normally pay for oil changes

1455
01:51:27.359 --> 01:51:31.079
or certain things that aren't covered under
a normal warranty. What I'm saying is

1456
01:51:31.399 --> 01:51:39.159
that is always cheaper to buy up
front, always, always, always prepaid

1457
01:51:39.920 --> 01:51:45.439
service. And we like on a
thirty six thousand mile check on a Beamer

1458
01:51:45.560 --> 01:51:48.079
or a Mercedes, that could be
a lot of money, and you pay

1459
01:51:48.560 --> 01:51:53.880
probably half of it if you buy
it up front. So what they're betting

1460
01:51:53.960 --> 01:51:56.960
on is you're not going to keep
the car, or you're going to at

1461
01:51:57.039 --> 01:52:00.840
least keep coming back there. But
prepaid service I have found works. I

1462
01:52:00.920 --> 01:52:05.680
found another thing that works. Wheel
protection. Let me explain why you are

1463
01:52:05.920 --> 01:52:11.640
very seldom going to put in an
insurance claim for a bad wheel or scraping

1464
01:52:11.640 --> 01:52:15.880
a wheel or screwing up a wheel
to put it in a collision coverage is

1465
01:52:15.960 --> 01:52:20.720
stupid, comprehensive of stupid. Now
wheel protection. These wheels are like and

1466
01:52:20.840 --> 01:52:27.199
some of these cars are two thousand
dollars apiece. I did not buy one

1467
01:52:27.359 --> 01:52:32.079
one time, and that was the
first time, and that's the last time

1468
01:52:32.119 --> 01:52:38.199
I didn't buy it, and I
can't believe how easy it is to scuff

1469
01:52:38.279 --> 01:52:45.680
up those high falutin frickin aluminum wheels, and it costs me two thousand dollars

1470
01:52:45.880 --> 01:52:50.279
two thousand dollars to get them buffed
out or fixed. The wheel protection was

1471
01:52:50.279 --> 01:52:55.920
fourteen hundred bucks. Now, let
me explain something. I have never not

1472
01:52:56.079 --> 01:53:00.319
used it ever, and I'm not
talking about collisions necessarily. If you look

1473
01:53:00.319 --> 01:53:02.920
at most cars and you look at
their wheels, they're all scuffed up or

1474
01:53:02.920 --> 01:53:08.199
scratched, or they're they're terrible.
You don't it doesn't have to be at

1475
01:53:08.239 --> 01:53:11.720
fault, no fault, negligence,
no reason. If it's scuffed up,

1476
01:53:11.800 --> 01:53:14.840
if it's cracked, if it's broken, if it's if it's warped, if

1477
01:53:14.840 --> 01:53:18.079
it's the lip is bent, whatever, whatever you did, they cover it.

1478
01:53:18.560 --> 01:53:24.520
That to me is unbelievable because your
insurance would be sky high if you

1479
01:53:24.520 --> 01:53:28.399
tried to put in those claims on
your insurance all the time, and sometimes

1480
01:53:28.640 --> 01:53:32.239
it would be right at the deductible. So prepaid service and wheel protection.

1481
01:53:32.640 --> 01:53:36.560
By the way, I have not
forgotten about Brighton police follow up. But

1482
01:53:36.600 --> 01:53:42.800
I want to go to the phones
because people are calling and they take priority.

1483
01:53:42.880 --> 01:53:45.520
So, Brian, what did you
want to talk about? Brian?

1484
01:53:46.479 --> 01:53:53.239
Hey, Tom, I have a
Chevy Impaula that got the hit basically the

1485
01:53:53.319 --> 01:53:59.479
hail beat out of it really really
bad. So a lot of dance all

1486
01:53:59.560 --> 01:54:03.479
over. If what will the insurance
company do if it's more value than it's

1487
01:54:03.479 --> 01:54:06.000
worth, Like, if it's a
total, how does that work for us?

1488
01:54:06.000 --> 01:54:10.600
Now? Here's what's here's what's good
with Hale. Here's what's good with

1489
01:54:10.680 --> 01:54:14.840
Hale. I mean, if there's
anything good, if you have full coverage,

1490
01:54:14.880 --> 01:54:18.239
you're going to get they're going to
total it and you're going to be

1491
01:54:18.319 --> 01:54:25.439
able to buy it back. And
the good news is you don't get a

1492
01:54:25.479 --> 01:54:32.079
salvage title with Hale. So the
title is not branded and you simply get

1493
01:54:32.119 --> 01:54:34.359
to drive it as long as you
want and sell it if you want.

1494
01:54:34.399 --> 01:54:38.520
Of course it's going to have a
hit and value, but you're going to

1495
01:54:38.560 --> 01:54:42.920
get a good dollar for it.
So that's how it works with hal damage.

1496
01:54:44.199 --> 01:54:47.279
So what would be an example if
they to buy it back? How

1497
01:54:47.279 --> 01:54:51.199
does that work? Now, here's
what it normally would be. Here's the

1498
01:54:51.600 --> 01:54:55.840
you know, that's an age old
question, and here's what it is.

1499
01:54:56.199 --> 01:55:03.239
Normally. The salve value should is
take the salvage value and you add to

1500
01:55:03.279 --> 01:55:08.600
it. No matter what you add
to it, you add to it the

1501
01:55:08.680 --> 01:55:14.159
cost of repairs, and those two
costs should add up to a good market

1502
01:55:14.279 --> 01:55:18.760
value for that car. Now again, if it's a twenty eighteen, what

1503
01:55:18.960 --> 01:55:23.840
is the market value of twenty eighteen? Right? What is your car worth?

1504
01:55:23.920 --> 01:55:25.960
Right? Now? Do you think? What do you think it's worth

1505
01:55:29.159 --> 01:55:31.600
eighteen to twenty? Okay? What
do you think the repairs will be?

1506
01:55:33.000 --> 01:55:36.159
I'm not saying you'll have it done, but if you did have it done,

1507
01:55:36.319 --> 01:55:41.279
what would it be about? What's
fifteen? Getting them checked later?

1508
01:55:41.319 --> 01:55:48.359
Probably max? Probably how much?
Probably fifteen thousand. Yeah, So let's

1509
01:55:48.399 --> 01:55:54.239
say fifteen it's worth eighteen. Then
that tells you the salvage is probably worth

1510
01:55:54.319 --> 01:56:02.439
three. Probably, But usually usually
what you do is you take the salvage.

1511
01:56:02.520 --> 01:56:05.760
I would not pay more than twenty
five percent salvage. I would argued

1512
01:56:05.800 --> 01:56:12.279
all day long, but you I
think way less than For example, on

1513
01:56:12.319 --> 01:56:15.840
your car. The older the car, the worse it is to try to

1514
01:56:15.880 --> 01:56:19.680
figure salvage. But let's say they
give you fifteen, they'll probably just they'll

1515
01:56:19.720 --> 01:56:26.600
probably take off no, I fifteen
might be no, they would have to

1516
01:56:26.600 --> 01:56:29.239
give you more. If your car's
worth eighteen, they're gonna give you more

1517
01:56:29.279 --> 01:56:32.840
than fifteen. They'd have to give
you whatever your car's worth. I don't

1518
01:56:32.840 --> 01:56:34.840
know what it's worth. I don't
have time to look at it. But

1519
01:56:35.279 --> 01:56:41.960
let's just say your car's worth sixteen. They would probably then ask for about

1520
01:56:41.960 --> 01:56:46.840
one thousand dollars off for you to
keep it. Plus you're deductible or minus

1521
01:56:46.840 --> 01:56:50.359
your deductible. So let's say you
have a one thousand dollars deductible, a

1522
01:56:50.359 --> 01:56:56.119
one thousand dollars salvage, the total
is sixteen. You're gonna get a check

1523
01:56:56.199 --> 01:57:00.840
for fourteen and get to keep the
car. And that's how it works.

1524
01:57:01.000 --> 01:57:06.359
And then any outstanding loan just we
give us just to pay Yeah, what

1525
01:57:06.399 --> 01:57:13.840
do you owe on it? Su
fifteen? Yeah, so you're you're just

1526
01:57:13.880 --> 01:57:20.760
gonna basically have enough to pay off
the car. And then if they come

1527
01:57:20.800 --> 01:57:25.520
back to insurance and says it's less
than they obviously just fix it and I

1528
01:57:25.600 --> 01:57:29.239
just take it back like a regular. Well yeah, yeah, if it's

1529
01:57:29.239 --> 01:57:33.319
worth fixing, they'll fix it.
But when it starts approaching seventy five percent

1530
01:57:33.319 --> 01:57:39.199
of market, they or wholesale,
they're going to total it. They're going

1531
01:57:39.279 --> 01:57:43.279
to total it. Now. Remember
on a total car, you're entitled to

1532
01:57:44.199 --> 01:57:48.319
the market value of the car a
few seconds before it got into an accident,

1533
01:57:48.840 --> 01:57:56.760
plus sales tax. Got it all
right? Let me know what happens,

1534
01:57:56.760 --> 01:58:02.199
bro, who's your insurance company?
They're not too bad. They're not

1535
01:58:02.239 --> 01:58:09.880
too bad. They're not They're not
lying crooks like Fred Loyer. We got

1536
01:58:09.880 --> 01:58:12.920
more coming up. Three all three
seven one three a two five five.

1537
01:58:17.720 --> 01:58:23.000
Go with a sure thing Denver's Best
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1538
01:58:23.000 --> 01:58:29.840
pay a cent until you're content.
Time for an insurance check up free,

1539
01:58:29.920 --> 01:58:33.439
no obligation. In comparison, call
Compass Insurance. Paying too much your coverage

1540
01:58:33.439 --> 01:58:38.319
at dozens of insurance companies find out
now three all three seven seven to one

1541
01:58:38.439 --> 01:58:42.079
help. You'll think you're his only
customer when you choose Frank durand the Real

1542
01:58:42.159 --> 01:58:45.760
estate Man dot com to list your
home with Remax Alliance three all three nine

1543
01:58:45.760 --> 01:58:55.079
two zero sixteen twenty two. Denver's
Talkstation online at khou dot com. Hi,

1544
01:58:55.359 --> 01:59:00.520
Tom Martino, your troubleshooter three O
three seven one three Talk Real three

1545
01:59:00.600 --> 01:59:05.800
seven one three eight two five five. Welcome to the show. Let's talk.

1546
01:59:05.880 --> 01:59:09.239
Kevin. You have a comment on
warranties. Go ahead, Kevin,

1547
01:59:12.840 --> 01:59:16.479
Kevin, do you have a comment
on warranties? Yes, yes I do.

1548
01:59:17.199 --> 01:59:21.600
We took and we bought a brand
new board f one f rands.

1549
01:59:23.039 --> 01:59:27.199
It was like a seventy thousand dollars
truck, yes, sir, and I

1550
01:59:27.279 --> 01:59:30.439
took and we got that quarrantine like
you're saying, we got all the oil

1551
01:59:30.520 --> 01:59:38.439
changes and we got paint and the
wheels. And then two years later Bradley

1552
01:59:38.600 --> 01:59:43.600
sold out to Alpine Board. An
alpine Board honor any of it, So

1553
01:59:43.680 --> 01:59:45.920
we kind of got screwed out of
it. No, wait a minute,

1554
01:59:45.960 --> 01:59:48.199
Wait a minute, Wait a minute, Wait a minute. You bought prepaid

1555
01:59:48.319 --> 01:59:56.840
service. Normally another franchise, all
franchise dealers will honor the prepaid services.

1556
01:59:58.000 --> 02:00:01.960
Well this one, yeah, alpine
Board won't. Then you must have I'd

1557
02:00:01.960 --> 02:00:05.960
have to see the contract, but
they have to honor it unless it was

1558
02:00:06.039 --> 02:00:12.640
this Wait, unless this dealer,
let's just say the dealer, ABC dealer.

1559
02:00:13.079 --> 02:00:17.359
They sold their own brand of prepaid
maintenance. In other words, you

1560
02:00:17.439 --> 02:00:23.399
have to come back to ABC.
And then ABC goes out of business or

1561
02:00:23.520 --> 02:00:27.960
sells to another company. They're no
longer in business, a new entity takes

1562
02:00:28.000 --> 02:00:31.520
them over. I could see a
scenario where they would say, we didn't

1563
02:00:31.520 --> 02:00:36.600
sell you that, man, that's
not ours. But normally the prepaid service

1564
02:00:38.279 --> 02:00:44.880
is part of a manufacturer's offer along
with the dealership. You know, they

1565
02:00:45.199 --> 02:00:47.119
want to keep you in the I
don't know what kind you have, man,

1566
02:00:47.319 --> 02:00:50.960
Now, what else? Won't they
honor the prepaid maintenance and what else?

1567
02:00:53.079 --> 02:00:55.760
Yeah, the maintenance, the pains
and the wheels, but all we

1568
02:00:55.920 --> 02:00:59.439
usually use it for as the oil
changes. And when we took it back

1569
02:00:59.479 --> 02:01:01.000
in for the all change, they
said, we don't honor it anymore.

1570
02:01:02.600 --> 02:01:09.479
Well then then they want well listen, Kevin, Kevin, Kevin, I

1571
02:01:09.479 --> 02:01:12.239
don't know. I don't know what
kind you have. That's the bottom line.

1572
02:01:12.239 --> 02:01:15.840
If you want to send it to
us. But I'm telling you that

1573
02:01:15.479 --> 02:01:21.279
it sounds weird. It sounds to
me like that previous dealership was selling some

1574
02:01:21.399 --> 02:01:28.039
kind of a local, uh little
prepackage. And and if that's the case,

1575
02:01:28.079 --> 02:01:31.560
then that's the case. It could
possibly be. Let us know or

1576
02:01:31.640 --> 02:01:34.520
send it. Kelly'll tell you how
you can get it to us. Three

1577
02:01:34.520 --> 02:01:39.880
all three seven one three eight two
five five. Karen, what's happening with

1578
02:01:39.920 --> 02:01:43.239
your swamp cooler? What do you
need? The swamp coolers are kind of

1579
02:01:43.279 --> 02:01:46.000
like old hat and no one likes
them anymore or not many people do.

1580
02:01:46.119 --> 02:01:55.359
What about you, Karen? Looking
for a personal Yeah? Can you hear

1581
02:01:55.439 --> 02:02:01.840
me? Yeah? You're looking for
what? Oh? A portable swamp cooler?

1582
02:02:03.319 --> 02:02:10.039
Do you know they all have an
automatic shut off feature for when you

1583
02:02:10.159 --> 02:02:14.319
run out of water? I don't
actually know that. I actually don't.

1584
02:02:14.640 --> 02:02:17.039
I would assume they're on timers.
But I want to ask you something.

1585
02:02:17.359 --> 02:02:20.920
You're talking about, the good old
f you know, portable swamp coolers.

1586
02:02:21.439 --> 02:02:26.439
You see, In order for a
swamp cooler to work, it has to

1587
02:02:26.479 --> 02:02:30.439
be in enough heat that the water
evaporates, and then the fan moves the

1588
02:02:30.760 --> 02:02:36.239
cooler air caused by evaporation into the
home. And I don't understand how the

1589
02:02:36.279 --> 02:02:40.880
portable one would work. You'd have
to have it somewhere that the sun gets

1590
02:02:40.880 --> 02:02:45.800
on it. Oh No, I
don't know about that. Have you actually

1591
02:02:45.840 --> 02:02:51.720
ever seen a portable one? I've
looked at a million of them on hitting

1592
02:02:51.720 --> 02:02:55.880
internet. Well, I don't think
they work very well, is what I'm

1593
02:02:55.920 --> 02:03:00.399
telling you. And the reason I
think the reason Let me tell you why

1594
02:03:00.399 --> 02:03:03.359
I don't think they work very well. Is because the whole nature of an

1595
02:03:03.359 --> 02:03:11.439
evaporative cooler is to take advantage of
the coolness created by evaporation. Now,

1596
02:03:11.800 --> 02:03:16.880
if you have it exposed to the
sun, the evaporation will happen. You

1597
02:03:16.920 --> 02:03:21.399
will get the cooler air around the
media and it will then be able to

1598
02:03:21.960 --> 02:03:29.159
be that air will be able to
be fanned into the house. But if

1599
02:03:29.159 --> 02:03:33.479
you have one inside the house that
is portable, what you're doing is you're

1600
02:03:33.600 --> 02:03:38.800
using the cooler. As the air
gets cooler, you're going to have less

1601
02:03:38.800 --> 02:03:42.800
evaporation. I mean, you will
get some just because we have a dry

1602
02:03:42.840 --> 02:03:46.600
climate, but it's not going to
work optimally. Why wouldn't you get a

1603
02:03:46.640 --> 02:03:50.079
portable or a window mounted air conditioner, or do you want to carry this

1604
02:03:50.199 --> 02:03:57.920
swamp cooler around from room to room? Well, I just I paid someone

1605
02:03:58.119 --> 02:04:01.880
six hundred dollars to work theme a
swamp cooler, and boy if it didn't

1606
02:04:02.000 --> 02:04:05.640
leak all over my floor. No, No, swamp coolers are bad news.

1607
02:04:05.800 --> 02:04:11.880
Plus they put too much moisture in
the air. By the way,

1608
02:04:12.239 --> 02:04:15.039
this one I'm looking at, just
this one for example, called Economy.

1609
02:04:15.600 --> 02:04:21.880
It has a low water level shut
off, and in fact most of them

1610
02:04:21.880 --> 02:04:26.800
I'm looking at they have that.
It's called a water level shut off.

1611
02:04:29.760 --> 02:04:31.680
I think they. I think they
from what I can see right now,

1612
02:04:31.720 --> 02:04:41.039
I think most of them have it. Now, Yeah, what are you

1613
02:04:41.119 --> 02:04:48.560
looking for? As far as price, Well, whatever it takes, not

1614
02:04:48.880 --> 02:04:53.960
thousands and thousands. Well, I
mean they have them at all price ranges,

1615
02:04:54.039 --> 02:04:58.800
Like they have some pretty good ones
on Amazon for around four hundred,

1616
02:04:59.079 --> 02:05:01.399
for around four hundred bucks. They
have some even cheaper, but they're very

1617
02:05:01.479 --> 02:05:11.319
little. Right, do you have
an Amazon account? Well? What's that?

1618
02:05:12.000 --> 02:05:15.800
I don't, but I don't,
but I could. How much of

1619
02:05:15.840 --> 02:05:21.079
an area are you trying to cool? Oh? I had it written down

1620
02:05:21.239 --> 02:05:29.840
here. Let me shoot, it's
as big as a single wide mobile home.

1621
02:05:30.680 --> 02:05:33.479
Okay, so let's say eight by
what twenty eight by thirty and no,

1622
02:05:33.560 --> 02:05:39.039
eight by could be eight by sixty. How how do you know how

1623
02:05:39.079 --> 02:05:45.520
long you're it's eight by sixty?
I would say that. Okay. Now

1624
02:05:45.600 --> 02:05:48.840
listen, here's what you want to
do. If you're going to get something

1625
02:05:48.920 --> 02:05:54.840
like that, it's gonna be about
it's going to be very inexpensive. You

1626
02:05:54.840 --> 02:05:59.439
can get one on icye one here
for five hundred square feet. I see

1627
02:05:59.520 --> 02:06:02.279
one here for one hundred and sixty
six bucks. In fact, you can

1628
02:06:02.319 --> 02:06:06.279
get a couple of those, put
one on each end and it might work

1629
02:06:06.319 --> 02:06:15.119
pretty damn well. They're on Amazon. Okay. Where is your trailer?

1630
02:06:15.319 --> 02:06:21.760
Where is your trailer set up?
What part of town? Golden? Okay?

1631
02:06:23.720 --> 02:06:28.840
And you do have Amazon? Right? I don't, but I could.

1632
02:06:29.439 --> 02:06:31.359
I would do that. Let me
tell you why. They'll ship it

1633
02:06:31.479 --> 02:06:38.359
right to your damn door. And
the shipping is the shipping is free.

1634
02:06:38.760 --> 02:06:41.279
What you want to look for?
It is called I'm trying to get the

1635
02:06:41.359 --> 02:06:43.840
name of it. This one is
a really good one. It has a

1636
02:06:43.880 --> 02:06:46.960
lot of good features in it,
and it's only one. It's prime,

1637
02:06:47.279 --> 02:06:53.039
meaning you can return it if it
doesn't work well. And it's the only

1638
02:06:53.119 --> 02:06:59.439
name I can see here is called
uh it's called portable swamp coolers and it's

1639
02:06:59.479 --> 02:07:03.199
in evaporate of cooler. I can't
find the name of it. Uh.

1640
02:07:03.239 --> 02:07:06.520
Hey, Tom, you might want
to take one one. Okay, hold

1641
02:07:06.520 --> 02:07:10.760
on, let's go to Keith.
Keith, go ahead, what's going on?

1642
02:07:10.840 --> 02:07:13.359
Keith? Hey? Tom? Am
I doing? But I got a

1643
02:07:13.359 --> 02:07:15.199
good one. I have an aqua
cool that I can just give her.

1644
02:07:15.319 --> 02:07:17.920
It has a remote control, but
she does have to put it in the

1645
02:07:17.960 --> 02:07:20.399
window and you got to add water, you know what I mean. That

1646
02:07:20.479 --> 02:07:25.359
might be difficult in a mobile home
though, but the window ones will work

1647
02:07:25.399 --> 02:07:30.199
better. You know how does the
window ones do work better? Because it's

1648
02:07:30.239 --> 02:07:33.800
exposed to the hot air and the
sun which evaporates just exhaustco itself, you

1649
02:07:33.840 --> 02:07:39.159
know what I mean? But what
is it called? It's called an aqua

1650
02:07:39.239 --> 02:07:44.079
cool aqua cool? And how big
is it? I bought it? I

1651
02:07:44.159 --> 02:07:46.279
bought it a home deeple. You
know my son a long a while ago,

1652
02:07:46.319 --> 02:07:50.039
he was always hot, even with
the air condition as we added that

1653
02:07:50.159 --> 02:07:54.039
to this room, and you know, the sun's face out of an afternoon

1654
02:07:54.039 --> 02:07:56.520
and that's why we l liked it. In the sun. Did it work?

1655
02:07:56.560 --> 02:08:00.720
Okay? Yeah? And I mean
it's just you know, I own

1656
02:08:00.720 --> 02:08:05.720
a plumbing company. Okay, she's
in Golden, She's she's in Golden What

1657
02:08:05.760 --> 02:08:09.359
part of town are you in?
I live at you know, Katschina,

1658
02:08:09.880 --> 02:08:15.359
Let's see, you know, you
know, I don't know, Karen.

1659
02:08:15.520 --> 02:08:20.840
I don't know, Karen. Do
you have any way if if he dropped

1660
02:08:20.840 --> 02:08:22.560
it off at the station, would
you have any way of getting that picked

1661
02:08:22.600 --> 02:08:30.640
up? It would take me a
little time and I could figure it out,

1662
02:08:31.000 --> 02:08:33.720
or maybe we can have one of
our deputies drop it off. How

1663
02:08:33.720 --> 02:08:43.720
far into Golden are you I live? Where are you Karen in Golden Go

1664
02:08:43.840 --> 02:08:48.039
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

1665
02:08:48.119 --> 02:08:54.880
a cent until you're content. Time
for an insurance check up free, no

1666
02:08:54.960 --> 02:08:58.840
obligation. In comparison, call Compass
Insurance Paying too much your coverage at dozens

1667
02:08:58.840 --> 02:09:03.600
of insurance companies find out now three
all three seven seven to one. Help.

1668
02:09:03.760 --> 02:09:07.319
You'll think you're his only customer when
you choose Frank durand the real estate

1669
02:09:07.359 --> 02:09:11.800
Man dot com to list your home
with Remax Alliance three all three nine two

1670
02:09:11.880 --> 02:09:26.319
zero sixteen twenty two. Bye Tom
Martino, your troubleshooter three O three seven

1671
02:09:26.399 --> 02:09:31.399
one three talk three oh three seven
one three eight two five five. Bill's

1672
02:09:31.399 --> 02:09:35.039
got a comment on air conditioning?
Go ahead, Bill, what's your comment?

1673
02:09:35.359 --> 02:09:39.159
Hey, didn't they say? Those
said that woman and the guy.

1674
02:09:39.800 --> 02:09:43.279
One guy had a swamp cooler and
one guy had an The woman had an

1675
02:09:43.279 --> 02:09:48.479
air conditioner. They don't mix.
The woman had a swamp cooler and wanted

1676
02:09:48.479 --> 02:09:50.920
a swamp cooler, and the guy
had a swamp cooler oh he did.

1677
02:09:50.960 --> 02:09:54.840
Oh, I thought they one had
an air conditioner. Well, which one

1678
02:09:54.880 --> 02:09:56.199
do you think had the air right? Maybe he did? I thought he

1679
02:09:56.279 --> 02:10:01.159
said swamp one woman had the air
condition just the guy said they used water

1680
02:10:01.840 --> 02:10:05.520
and one. You know, one
takes the water out and one puts water

1681
02:10:05.640 --> 02:10:09.319
in. No, I get it. Bro and Bill, I think both

1682
02:10:09.359 --> 02:10:13.119
of them were talking swamp coolers.
Unless I was missed, I think so.

1683
02:10:13.239 --> 02:10:16.039
But thank you Bill. Mike.
What's going on with you? Hello,

1684
02:10:16.159 --> 02:10:20.239
Mike? Yeah, I'm a little
while ago. You mentioned yed that

1685
02:10:20.439 --> 02:10:24.880
have a higher wheels repaired or replaced? Where do you get that done?

1686
02:10:24.920 --> 02:10:28.840
I have one that Oh okay,
the dealership found the place for me.

1687
02:10:28.880 --> 02:10:33.000
But I think I remember the name. There are a couple really good places

1688
02:10:33.079 --> 02:10:39.640
in Denver that specialized what they It's
amazing what they can do. They spin

1689
02:10:39.760 --> 02:10:46.920
them and on a lathe or they
they uh somehow soften them and and reshape

1690
02:10:46.960 --> 02:10:52.079
the lip there. Now, there
are certain things they can't do, but

1691
02:10:52.079 --> 02:10:56.680
but most of the time they can
do a pretty damn good job unless you

1692
02:10:56.840 --> 02:11:01.479
ding them up really bad. And
you know, I got the dealership,

1693
02:11:01.560 --> 02:11:07.359
as I said, what kind of
car do you have? Alexis okay?

1694
02:11:07.800 --> 02:11:11.800
If you call the Lexis dealer,
they have no problem telling you who they

1695
02:11:11.880 --> 02:11:18.439
use, but it's alloy if you
google. This is what I did,

1696
02:11:18.439 --> 02:11:22.880
but the dealership ended up saying,
here's where you go Alloy wheel repair Specialists

1697
02:11:22.960 --> 02:11:31.720
or Aluminum wheel repair Specialists, and
there are some that are outstanding. Again,

1698
02:11:31.760 --> 02:11:35.560
I wish I remembered right off the
bat. Damn it, I wish

1699
02:11:35.640 --> 02:11:39.000
I remember the ones I went to. But I'm sure if you google it

1700
02:11:39.079 --> 02:11:45.960
and look at the reviews you can
find out, or simply call the dealer

1701
02:11:46.000 --> 02:11:50.079
and say who should I use?
There are some ones. There was one

1702
02:11:50.239 --> 02:11:54.640
really big one in town here.
They're incredible. I'm trying to find it

1703
02:11:54.680 --> 02:12:00.159
here. Well, one is actually
called Alloy Wheel Repair Specialists, but I

1704
02:12:00.239 --> 02:12:03.079
don't know. I'm not saying those
are the ones to go to, but

1705
02:12:03.119 --> 02:12:07.800
there's actually one actually called that,
and where are well they seem to They

1706
02:12:07.800 --> 02:12:11.119
say, put in your zip code, so that could be a nationwide thing.

1707
02:12:11.159 --> 02:12:16.560
But so I can't tell you right
off the hand exactly where to go.

1708
02:12:16.960 --> 02:12:20.960
They have Wheel Repair Specialists of Denver
that is somewhere that I'm seeing.

1709
02:12:22.039 --> 02:12:28.119
It has good reviews, And again
you'd have to how bad are the dings

1710
02:12:28.159 --> 02:12:35.000
on your wheels or the scrapes.
It's a break in the rim. Uh

1711
02:12:35.039 --> 02:12:41.000
you mean like a crack right through. Yeah, it goes down. I

1712
02:12:41.000 --> 02:12:45.720
don't know, maybe or something.
Oh oh, I don't know, man,

1713
02:12:45.800 --> 02:12:48.119
I don't know they weld and finished
those out. I really don't know.

1714
02:12:48.479 --> 02:12:54.319
I just don't. But that is
one area we should really pursue for

1715
02:12:54.359 --> 02:12:58.600
the referral list now and now with
more and more fancy wheels, holy crap,

1716
02:13:00.479 --> 02:13:03.319
everywhere I look now because I ding
mine. I always look at people's

1717
02:13:03.359 --> 02:13:09.359
wheels, right, It's like a
shoemaker looking at his shoes. I can't

1718
02:13:09.399 --> 02:13:15.439
believe how many nice cars I see
with problems with their wheels, because it's

1719
02:13:15.479 --> 02:13:22.640
either from parking or hitting a curb
or whatever. And it's ridiculous how many

1720
02:13:22.720 --> 02:13:26.560
I see. In fact, I
i'll tell you what, I probably see

1721
02:13:26.640 --> 02:13:33.079
more that have at least one wheel
dinged or dented then I do perfect four

1722
02:13:33.119 --> 02:13:37.960
wheels. Very seldom do you see
a car with four perfect wheels. Anyway,

1723
02:13:39.039 --> 02:13:43.039
Thanks a lot for calling and let
me know what you find. But

1724
02:13:43.239 --> 02:13:48.239
I think I think the dealership is
going to be your best source. We

1725
02:13:48.359 --> 02:13:54.920
have one thing I want to discuss
with John is health insurance because there seems

1726
02:13:56.600 --> 02:14:01.439
I actually got did you know I
actually got a question a one time when

1727
02:14:01.439 --> 02:14:05.319
I was going I forget what it
was. It was years ago, and

1728
02:14:05.359 --> 02:14:11.840
it was from my health insurance and
it asked me it says we were retained

1729
02:14:11.880 --> 02:14:16.199
by such and sus to ask this. And then they asked me four questions,

1730
02:14:16.479 --> 02:14:18.079
And do you know what One of
them was? Was this injury done

1731
02:14:18.119 --> 02:14:22.439
at work? The second one was
it as a result of a car accident?

1732
02:14:22.680 --> 02:14:24.560
And then there were two other questions. Why were they asking that?

1733
02:14:24.680 --> 02:14:30.159
John? Okay, So here's the
deal. Every time that you get in

1734
02:14:30.199 --> 02:14:37.600
an accident and it's somebody else's fault, if your health insurance pays out towards

1735
02:14:37.920 --> 02:14:43.960
those medical bills, the chances are
pretty good that they have a contractual right

1736
02:14:43.520 --> 02:14:48.680
to get paid back out of any
money that you collect from the right.

1737
02:14:48.760 --> 02:14:50.520
So hold on, I want to
go with that and find out what that

1738
02:14:50.560 --> 02:14:54.520
means in an auto accident and a
settlement. Right after this, go with

1739
02:14:54.600 --> 02:14:58.920
a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pass se

1740
02:15:00.319 --> 02:15:07.199
until you're content. Time for an
insurance check up free, no obligation in

1741
02:15:07.199 --> 02:15:11.520
comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies.

1742
02:15:11.600 --> 02:15:15.800
Find out now three oh three,
seven to seven to one help You'll think

1743
02:15:15.840 --> 02:15:18.840
you're his only customer when you choose
Frank durand the real estate man dot com

1744
02:15:18.880 --> 02:15:24.560
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1745
02:15:24.600 --> 02:15:35.520
two. Hi Tom Martine here,
three three seven to three talk. I

1746
02:15:35.840 --> 02:15:37.439
just want to bring up I'm not
going to get into the whole story with

1747
02:15:37.479 --> 02:15:41.760
Brighton Police what. I just want
to do this follow up. Okay,

1748
02:15:43.079 --> 02:15:48.159
they did reopen it, they did
stake out the guy, they found him,

1749
02:15:48.920 --> 02:15:52.319
they got the truck, and they
arrested him. Now I'm going to

1750
02:15:52.399 --> 02:15:58.039
give way more details on car Day
tomorrow, but I wanted to let Brighton

1751
02:15:58.079 --> 02:16:01.680
Police know we really appreciate that they
did this. Now, did we prompt

1752
02:16:01.680 --> 02:16:03.399
them to do it? Did we
prompt Adams County to call him right after

1753
02:16:03.439 --> 02:16:05.920
the show and do all of that? Look at I'm not going to rub

1754
02:16:05.920 --> 02:16:09.840
their nose in it when they're doing
the right thing. I do know this.

1755
02:16:09.000 --> 02:16:16.159
Okay. They also have found a
theft ring as a result. I'm

1756
02:16:16.159 --> 02:16:20.520
being told now this is people close
to the investigation that I'm not going to

1757
02:16:20.600 --> 02:16:26.560
rat on, so right, who
I accused of not investigating this? The

1758
02:16:26.640 --> 02:16:31.000
case was reopened the guy that had
the soulden truck at Adams County Courthouse.

1759
02:16:31.279 --> 02:16:35.719
They let the guy go that was
smoking dope. That guy is now arrested.

1760
02:16:35.600 --> 02:16:39.520
Now, John Fuller, let's talk
about health insurance and when you're in

1761
02:16:39.559 --> 02:16:46.639
an accident using health insurance and get
can they take from your settlement? Well,

1762
02:16:46.680 --> 02:16:50.079
the short answer, Tom is yes, but it's a qualified yes because

1763
02:16:50.079 --> 02:16:52.479
it depends on the type of health
insurance. So you have a number of

1764
02:16:52.559 --> 02:16:58.520
different types out there, spanning from
a small employer single policy all the way

1765
02:16:58.600 --> 02:17:01.639
up to a large mega employee that's
self you know, funded a risk a

1766
02:17:01.719 --> 02:17:07.680
qualified type plan. Union plans are
very very different. So the important thing

1767
02:17:07.719 --> 02:17:11.440
for your your listeners to take away
from this is that you cannot ignore the

1768
02:17:11.520 --> 02:17:16.959
rights of your health insurance. If
you have an accident and you're trying to

1769
02:17:16.680 --> 02:17:20.680
wade through this little process on your
own, it's critically important. If you

1770
02:17:20.760 --> 02:17:26.879
don't honor your contractual obligations, they
can literally shut you down and not pay

1771
02:17:26.920 --> 02:17:31.479
for any of your future treatment.
And that's a terrible thing to set yourself

1772
02:17:31.559 --> 02:17:35.159
up for so, particularly with critical
injuries. Give us a call. We

1773
02:17:35.239 --> 02:17:37.360
can help and we can bring a
lot of value to that. And that's

1774
02:17:37.399 --> 02:17:41.680
three all three five nine seven forty
five hundred five nine seven four five zero

1775
02:17:41.799 --> 02:17:43.840
zero. Remember, folks, save
all your problems for me.