Yeah, ripped up what news didn't need advice, So you don't have come
running. Just as fast as we can. Shooter's gonna help come MANX is
the Troubleshooter Show. No, Tom Martino. Hey, I'm Tom Martino.
Welcome to the show. Now what is this show? It's about solving problems,
answering questions and taking complaints. Going on forty five years. Just uh,
that's Denver alone. Cannot counting outside of Denver. And really, folks,
all you have to do is call us. Now here's the good thing.
You can call a number twenty four to seven and leave a message and
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Martino, three oh three, six two seven eight four sixty six. You
can also call the studio directly when we're here. Three oh three, seven
to one three talks seven to one, three eight two five five Now any
problems question complains you calls. Geraldine has a question on debt consolidation, we'll
talk about that. And then we have a question about gap coverage and insurance,
which is very confusing to people. They think it'll cover them under any
circumstance to pay off a loan. And then we have fixed at twenty four
to seven talking about plumbing, heating, cooling, electric trains, and uh,
it's what we do here is talk about the real deals that happen to
you every day. And uh, you know, while we love our sponsors,
the main point of our show is information. So Geraldine, debt consolidation,
talk to me. What's going on? Geraldine? Okay, as of
April of twenty twenty three, I have been paying Kardova Legal to pay my
credit cards off. This was April of twenty twenty three. You started doing
this, yes, And was this a payment plan ordered by the courts?
No? I called them because I wanted to consolidate my credit cards and I
did not want to file a bankruptcy, so I, you know, made
the agreement with them that I would pay ten Now, why did you call
them? Of all the people to call, you had a bunch of credit
cards and you wanted to consolidate them. Why did you call? Did you
say Cordova Cordova with the B Cordova, Yeah, Cordova got it there.
I don't know. I just looked. I mean, how'd you? Oh?
So you did they advertise that they do consolidation. Yeah, okay,
and tell me what happened. Okay. So I've been paying then and I
received a thing from my one of my creditors. Uh, it's uh.
I have to go to court on March first. I fear. I fear
you fell for what could be a scam. Now the name of this place
is is it Cordoba Law? It's Cardova Legal. Okay, now listen,
here's what I want to tell you. There are a few ways these places
work. Okay, some of them are legit lenders, and they pay off
your credit cards and you pay them. However, very few of them are
legit lenders, and even the legit lenders charge you so much for these consolidation
loans. They're often not worth it. That's one way they work. The
second way they work, and this is really insidious. They tell you they're
going to settle your debt and you make payments to them under the promise that
they will accumulate these payments and then they will make offers to credit cards to
settle your debt. These almost never work, and what happens is people end
up paying this company, and this company either goes broke and runs away with
the money or they don't make the settlements quick enough and you get sued.
So, Geraldine, I need to know if you have any details of how
they were going to work. How much were you paying them every month?
And fifty two bonds? And what did that represent as far as your monthly
payments for credit cards? What did that three fifty two represent? Was that
more than your payments or less than your payments? Yes? Okay? Now
how many credit cards did you have? I had two? And also they
wait, that's all you had were two credit cards? You called them about
two credit cards? Yes, and a main one alone through main one.
Okay, but what is that three credit cards or two? Well? There
was actually three? Then? Okay? Now you had three credit cards credit
card and you're paying this, you're paying Cordoba three hundred and fifty two.
What did they say they were going to do with your money? They were
going to pay, they were going to Why did they say they could do
this. Did they talk about how they did it? Well, they talk
a lot, is crap I get Did they tell you to stop making payments?
Yeah, they told me to not make any more payments to my creditors.
Okay. Now which creditor is suing you right now? It's Capital One?
Okay? And now it's even higher than it was originally, of course
it is. They haven't been making payments, Yeah, they haven't been paid.
How much do they want? How much does Capital one want? Capital
one wants like four thousand? Okay? I want you to hold on,
Okay, Geraldine, this is really important. If you hold on, I
want to get some people on to talk about this. I think I want
to get somebody from Wink and Wink to talk about this. This is they
do a lot of debt settlement and stuff. So hold on, and then
I'm going to switch to Robert Katschina. Get Wink and Wink, one of
the one of the Winks. Thank you got it. What's going on with
you in a home loan? Robert? I basically feel like I have my
property stolen by freedom mortgage. Holy crap, let's talk about this now.
How long have you had a mortgage with them. My original mortgage started in
twenty twenty one. It was with round Point Mortgage, and I think I
made two payments to round Point. Then I was notified that my mortgage had
been sold to Freedom Mortgage. Okay, when was the same? I think
it was October November of twenty one. And then right when the COVID started,
Freedom Mortgage put my home or my mortgage on for bearance. Who dan
they Freedom did? Yeah? So Freedom took it over right and immediately put
you on a forbearance. Yeah, because of the COVID. That's right when
COVID was starting up and all of the version. And now how did that
forbearans work? Oh? They told me I could make payments or not make
payments. If I missed a payment, don't worry about it. So I
did. And what did they say? What did they say would happen if
you missed a pay Well, they said, what would happen is the payments
I missed would be rolled into the end of a loan, because got it.
When the forebearans ended, they do a modification and they'd roll the payments
I'd missed into the end of the loan and carry them as a lean,
oh, I said, okay, So they came back and did you sign
paperwork to that effect? Did you sign all the paperwork? No? I
didn't have any paperwork sent to me none. Okay. So on the surface,
on the surface, it looks like you simply stopped paying. Well,
I made a couple of payments, but there were payments that I did miss
No, but I get it. Here's what I'm saying. Though you're saying
it was the forbearance agreement. What if I'm not saying this will happen but
Robert. What if we call them and say, hey, Robert had a
for barons agreement and now you're foreclosing because he missed some payments. And what
if they say we never had a forbearance agreement? What would you have to
prove it? Just their phone conversations are all recorded, But do you have
the recorded one? Do you have them? No, I'm in the process
of trying to get a VA attorney. Now what makes you see what makes
you think they're going to be forthright? If they are trying to steal your
home? What makes you think they're going to come forward with recorded phone conversations?
Why would they if they're subpoenaed by the court. Don't they have to
unless they don't have them. I mean, they can simply Listen. What
I'm saying is if they're crooked, and if they want to take your house
and you say you had an agreement and they say you didn't, they don't
have to do anything. So I don't know what you have. Robert,
you say you had a Forbearents agreement. Hold on a second, important I
want to take this break, man, But this is another important one.
I mean, are they foreclosing on you right now? Foreclosed and sold my
poverty? They already did? Oh yeah, why did you let it go
that far? I don't know myself. They offered me a loan modification.
They told me that it would begin March first of twenty Oh wait, you
already you already lost your home. You already lost it? Right when did
you lose it? October eighteenth? So when did they start foreclosure back in
April? How many payments did you did you skip? It's probably about five
or six, okay, But what happened is they offered me a loan modification.
They told me not to make a payment the month before that my modification
would start on March first, twenty twenty two. I said, Okay,
I didn't make that payment the month before. I made March payment, April
made June. What does this have to do with payment. I've tried to
make the July payment and I was told, well, no, you can't
make this July payment because it's a foreclosure. Bro, it's a foreclosure.
Robert new Robert, I got to tell you something, Okay, from everything
you're telling me, I'm going to tell you the straight truth. Okay,
We're going to try to help you, but I don't know if I can.
Here's the straight truth. It looks like you stop making payments and they
and they foreclosed on you. That's what it looks like. Now, did
you go, I'm taking payments so they stop taking them from me. But
you stopped making them first? Well? No, after I made the modification
payments. Yeah, well I made the March April May. They sent me
three forms that needed to be signed. You said, listen, Robert.
You said back, Robert, you said, back in twenty twenty one,
when freedom took over, you went into a forbearance. Now you're telling me
every one of those six payments, every one of them, including the first
one was withheld because Freedom would not take it. No. Once they started
the modification on March first, they took March payment, April May, June.
I tried to make my July payment, and as gallas as, we
can't take a payment because your new modification is going to start. You know
this has already been in front of a judge, right, I mean,
this is done and over. I know it is. I mean, but
did he go did you go, Robert to the Role one twenty hearing?
Did you go to a hearing to argue your side? I wasn't aware of
any hearing. I'm seventy one years old, Robert. Hold on, just
hold on, Okay, this is a very very serious and sad situation.
I'm Tom Martino three oh three seven one three talks one three eight two five
five. Go with a sure thing Denver's best roofer Excel roofing dot com.
You don't pay a cent until you're content. Time for an insurance check up
free, no obligation. In comparison, call Compass insurance paying too much your
coverage at dozens of insurance companies find out now three all three seven to seven
to one. Help You'll think you're his only customer when you choose Frank durand
the real estate man dot Com to list your home with Remax Alliance three oh
three nine to zero sixteen twenty two. Hi Tom Martino, you're troubleshooter.
Who does you want me to take? Who do you want me to take?
I'll take Okay, good, We'll take her right away. I have
Brian Burns as an expert here from Compass Insurance. I want to take as
well. Hey, Brian, real quick here. Gap coverage was sold to
people as a way to pay off your mortgage balance when you get in a
wreck and your car is worth less than you owe. It's when your car
is worth more than you owe. So what I'd like to know is,
though GAP doesn't just cover people who've been stupid in the past and have a
lot of negative equity. So there are limits to GAP coverage. Is that
correct? Yeah? Yeah, it specifically states on every loan gap can I
can imagine at least that I've seen it always excludes carry over balances from previous
loans. Okay, but what about that loan? What about what if you
overpaid? What if you did not have negative equity rolled in? How does
it deal with negative. How does it deal with simply a car that lost
value or you paid too much for it? Well, it does it.
Here's I can tell you. I'm looking at one right now. The exclusions
to it are overdue loaner lease payments. Financial penalty is imposed under a lease
for excessive use or abnormal wear or thera. If this is a lease,
obviously, security deposits not refunded by a lesser costs for extended warranties, credit
life insurance, health accident or disability insurance purchased with the loaner release, or
carryover balances. That's what's excluded on this Now. I heard there was always
there was an exclusion of percentage loan to value, like they won't go beyond
one hundred and twenty five percent. I have absolutely seen that this particular carrier.
I'm looking at two different ones just because I knew you were calling about
this. Neither of these two carriers that we write state the twenty five percent,
but I have absolutely seen it. So, Brian, it is possible
if you were stupid and paid too much for a car, and you owed
ten thousand more than it's worth, that that gap cover. As you're looking
at would pay for it as long as that ten thousand dollars wasn't in the
form of you know, uh right, the extended warranty or the you know,
credit life, the clear coach, you know what I mean, right
right. But the fact again, I want to make this clear, the
fact that you were stupid and paid too much does not enter into it.
They'll pay these two policies I'm talking, but I am with you. I
have I've even helped people that have called your show that they sent me their
form and it okay showed a twenty five percent. I had a caller yesterday
one other quick question and then I go to gg Wink from Wink and Wink
one other quick question. I was told gap insurance is going away. No,
I have not heard any of Okay still definitely available on is it a
good coverage to have? You know, it is in the first couple of
years that you own. If you buy a brand new call our loan,
gap is is definitely something that would be worthwhile for people. But if the
car is you know, two, three, four years old, at that
point, it's already lost that value and hopefully your loan account has kind of
regulated, if that makes sense. So, okay, I understand how much
is that coverage? About? How much does it cost? Oh, let's
say sixty seventy bucks a year with the show, So it's not expensive.
It is, so it's not such a bad idea. Thank you Brian Burns's
Compass Insurance Group. If you're looking for an insurance checkup, they can do
it unbiasedly. Check with twenty five twenty six companies to make sure you're not
paying too much. Tarot three nine ninety six nine GG Wink. She is
with Wink and Wink, their bankruptcy attorneys. And here's the deal with GG.
I'm talking to Geraldine and basically she went to one of these debt consolidation
companies. Okay, And she's been making payments since last year of three point
fifty two a month, but the consolidation company has not been making payments to
her creditors. Now she's being sued. Have you heard of this happening before
all the time, all the time. It's in the fine print, most
likely, but they do not explain that to you when you sign up.
Then why are you making payments to a consolidation company? Is it under the
guys that they're going to get together a lump sum of money and negotiate exactly,
and they pay themselves first, so you're first paying them usually then you're
building up a fund from which they can settle. And if your payments are
three hundred and fifty dollars a month, you're not gonna get there in time.
You know, getting sued takes about a year year and a half from
default, So if you're not making pretty large lump sum payments, there's never
going to be an opportunity for them to settle. Debt effects. I would
say, I have never seen a debt consolidation company work. I've seen them,
do you know, maybe the one or two little debts, but we
get We get the folks after they've been sued, and they're usually somewhat bewildered
or frustrated or angry and Jardine you may not want to hear this, but
the reason I have GGI wink on. She hired an attorney's firm. Though
it has it's not where they pay a certain amount to this to all these
credit card debts or whatever. She entered into an agreement for three or four
hundred bucks a month for an attorney's firm. A law firm to actually negotiate
to debts down. That's what she entered in. Mark, That's exactly what
she did. That's what we're talking about, and that's what fails. Ninety
eight percent of the time. You hire this firm. This firm promises to
negotiate your bills and they pay with the accumulated money that you've paid monthly.
And as Gigi explained, they first pay themselves. So if you accumulate in
ten months thirty five dollars, that pays the law firm, and then they
hope that no one will sue by the time they get another lump sum.
The problem is it doesn't work. So so anyway, paying them, you
know, two thousand dollars a month, right marketing Mark, Mark, What
was the point though, What was the point of what you were saying.
I didn't get. They're not collecting money from her to pay the credit card.
They're just taking three hundred a month for legal advice. Mark. That
is not true. If it's a debt cansis way to their website and looked
at how they operate. It's a law firm, okay. But if it's
a debt consolidation company, the agreement usually says, they will accumulate lum sums
of money and attempt to negotiate down your balances. Now, I don't know
about this one, but that's how they all work, so maybe this one
works differently. No matter what, if they told her to stop making payments,
what why would they do that? I mean, are what are they
because a credit card debt? It's non secure debt. I'm sure they were
trying to negotiate it down to a lump payment. I know, whatever it
is. What I'm trying to tell Geraldine right now is stop making those payments,
Cheraldine, and name them as name them as one of the creditors in
your bankruptcy, because you're going to need a bankruptcy. You're never going to
get out of this debt. Okay, that's the hard fact. But wait
a minute, but there's good news because you can get out of that debt.
And you know what, a bankruptcy isn't the end of the world.
If there's no other way. It certainly is better than having a life of
debtedness, I mean, I indebtedness. I would definitely contact Wink and Wing
have them start a bankruptcy for you and get these people off your back,
and you better do it quickly and you make and whether and whether or not
they're a law firm promising to negotiate or they're a consolidation company promising to do
both, it doesn't matter. They do not work. They do not work,
Gigi, Why would any why would a credit card company settle for anything?
I mean, I mean, have you heard of that happening? I
guess now? And then if they know somebody's going bankrupt, I don't know.
What do you say? We do debt settlement and it works, but
you gotta be realistic. It's not going to be better than fifty percent.
Fifty percent is a good deal for settling debts, and they want it right
away, yeah, and they want it in one or two Okay. So
if she's been three hundred and fifty a months just for the legal fees,
as Mark said, and they come back to her with fifty percent settlements,
she can't do that right, which should have been part of the plan from
day one. If they're a legitimate law firm, this person should know exactly
what kind of funds she's going to need to tap into to settle this debt
exactly. It just is a big sham and Geraldine. Here's Wink's number you
should call Gigi three ozho three four one zero seventeen twenty three oh three four
one zero seventeen to twenty. It's your only hope. I'm telling you that
right now, you unfortunately have wasted three hundred fifty dollars a month. By
the way, water pros will get you the best drinking water at the kitchen
sink fourteen hundred dollars. You can even do a filter for around one thousand
dollars. Pick your choice. They have water softening, they have the best
systems at the lowest prices. That's three oh three eighty six two five five
five four. Go with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three o three seven to
seven to one help. You'll think you're his only customer when you choose Frank
Durand the real estate Man dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh
three Martino three O three six two seven eight four six SYS called twenty four
to seven and we will get back to you. I want to make this
message clear. Debt consolidation companies, whether they're a law firm promising to negotiate
your debt or people accumulating money to make lump sum offers, they don't work.
They don't work. Most of them take your money and run. In
this particular case, they take that it's a year for their fee, and
then in addition to that they come up with a settlement. You have to
come up with a lump sum. It's not going to work. So just
remember that if you get that far behind, you shouldn't. But if you
do, bankruptcy is sometimes your best option. Unfortunately, Robert, you have
an issue, and we talk to you, and I want to I want
to continue here quickly. You had a mortgage. I want to make this
clear. With Round Point mortgage in twenty twenty one, you freedom took it
over and put you on a forbearance agreement. Even after this is what you
told me. I want to make sure I'm absolutely clear. After you were
put on the forbearance, you continued to make payments. I missed about five
payments my hold on. But you said you continued to make payments until they
refused to take them. That's why you missed five payments. They started once
they started a loan, modification offered me to modification. That's when I were
doing making payments. It was March of twenty twenty two. Okay, I
sell make payments in March, April, May, June, and when I
tried to miss it before that, Robert, Really this is so this doesn't
have to be confusing. I'm really trying to make it simple. What I
really need to know? Okay, what really is premier here? You stopped
making payments at one point you said it was because they refused to take them.
Is that true? Yes, that was in December of twenty twenty two
or twenty twenty three. But was that after you stopped making payments on your
own? First? No? Okay, Mark, are you getting Mark?
Am I getting this wrong? Just help me out here. He's saying,
I don't know what it matters. Well, it does matter, it does.
I'll tell you why it matters, Mark, Because even though it went
through the courts, if they literally stopped taking his payments for no reason at
all. They can't pore clothes on him. And yes, you could probably
go back and get it opened up if that's true. But here's what I
think happened, Robert. I think I'm trying to get out of you.
Once you entered into a fourbearance, you did miss payments, then hold on
when you missed payments, then they came back to you with an agreement and
you started making payments again. Is that right? That is correct? Okay?
Then okay, then here, okay, let me tell you what happened.
You stopped making payments first, then then they refused to take payments after
your resumed payments. No, we'll see a Robert, take it easy,
take You're never going to get out of this. Three oh three seven to
one three talks seven one three eight two five five. He's saying, I
swear to God, he is saying the same thing that I'm saying, but
he keeps going back. He stopped making payments first, then they came back
to him and said we have a forbearon's agreement. They tricked him into resuming
payments. Then they started foreclosure and would not take any more payments. That
is what happened. It went through the courts, and the courts did not
He said I didn't know anything about a hearing. I didn't know anything.
And he's using the excuse that he's seventy one years old. Robert, here's
the sad fact. You lost your home. You lost it because of not
making pays. You did not have the forbearance wallpapered. It sucks, but
it went before a judge and there's nothing we can do about it now.
If you'd like to give Kelly a case number, we'll look up the case.
Okay, but I think that it's too late. If anyone right now
is considering a forbearance agreement, or if you're in what you believe to be
a forebearance agreement, or you entered some kind of an agreement during COVID and
now you're being bugged, please call us before the foreclosure at the first sign
of trouble. Please three h three seven to one three talks seven one three
eight two five five. This is critical that you talk to us first.
And by the way, Frank Durand the real estate man, has been known
to help people through these situations by selling the house and paying off the debt
or at least hold off the mortgage company until he could sell it. And
he's actually done this several times for people, and he can do stuff for
you too, as far as analysis of your home or any problems with real
estate along with buying or selling. Three oh three nine two zero sixteen twenty
two. Go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Please time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer when you choose Frank
Durand the real estate Man dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom Martinez here three zero
three Martino twenty four to seven for help, information and referrals. I want
to go to Daniel with a body shop issue on an eighty seven? Am
I reading that right? In eighty seven Cadillac Coupe Deville. Was this a
restoration job, Daniel or what. It was an all original car passed down
for my grandparents. And then in March of twenty twenty, it suffered an
accident when someone run me across three lanes of traffic and onto that raised center
median. Now did they they did you get their insurance to pony up or
what? Their insurance company cut me a check for four eight hundred dollars.
But I'm surprised you got that. That's weird. That's good. It's in
a fair amount because I'm about thirteen thousand in it. But that's no.
No, I understand that. But I'm saying, on an old car,
it's really hard to get value out of it because of that, even with
your owning insurance. So you have an eighty seven Cadillac Coupe Deville that was
in an accident March March of twenty twenty, you were cut a check for
four grand Yes, sir, so keep going what happened? Then? The
fast forward to my current issue is January of twenty twenty three. I found
a body shop out in Puebla, West. They needed a five hundred dollars
non refundable deposit to put me on their wait list. And this was how
much did you pay them five how much? A five hundred dollars? Shot
it? And you did that last year? Correct? In January twenty twenty
three? Yeah, got it. They told me the estimate appointment date was
going to be June of twenty twenty three. Once that appointment date came and
a month after, I would call them back and say, Hey, what's
going on? Where am I at in the line? Right? They would
say they still finishing a couple of cars. They had an issue with the
lift issue finding help to work in the shop. So have you ever gotten
into that body shop? No, sir? Why Every time that I've tried
to call them to see where I'm at in scheduling to bring my car in,
they always tell me that there's some cars ahead of mine. We'll call
you back in another month or so. Let you know, crapp setback.
How did you find this body shop? Daniel? I was looking high and
low online between Google and recommendations on Facebook. They were one of the last
body shops in Plablo that explicitly works on older cars, classic cars. Yeah,
and I just found them online. They had some good reviews and a
good website. I just gave it a shot, Okay, where does it
stand today? When was the last time you talked to them? I talked
to them a couple hours ago this morning. What did they say? I
asked them where they're at, and they said they still had a couple of
vehicles ahead of mine that they were still finishing. And at that point I
asked them if I could have my deposit back. Of course, they said
because it was non refundable. Oh but I've been so patient and kind with
them. They would give me half of that back. But my argument is,
we're eight months past my own No. No, listen, listen,
listen. First of all, it's unconscionable that they would take a deposit more
than a year ago and now say that, uh, they're going to give
you half of it back. It sounds like a bunch of other scammers we
know in the car business. We need someone to get on the phone and
to talk to these people for you and to tell I mean, they're full
of crap. I think you could go to small claims court and get a
judgment immediately. But let's try to reason with them. Why in God's name
do they feel they're entitled to even half of it? That's what I don't
understand they're not entitled to any of it. Why they say it's non refundable?
Do you have a deposit agreement with them? Go with a sure thing
Denvers Best Roofer, Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation. In
comparison, call Compass Insurance. Pay too much your coverage at dozens of insurance
companies find out now three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two rip of news. You needed that? Who you don't have? Run
anxious sass? Can Shooter's gonna help come? This is the Troubleshooter Show.
You know Tom Martino Time Tom Martino. By the way, as you'll see,
I have fixed at twenty four to seven in the house. We always
have sponsors from time to time to talk about different things. We're talking about
membership, membership. I don't like maintenance agreements, but membership is different than
maintenance agreements. A lot of good companies have memberships. Car washes have them.
I love them. Oh my god, you can't do better one price.
If that's if you wash your car right now? What's membership and fix
it really quickly? If we had to sum it up, what would you
say? It is in membership? And I'll get to Alex, Kyle and
Dan in one minute here just hang on, go ahead to Hannah Davis.
Welcome Tom first. I was so excited to hear your thoughts on this.
I wanted to pick your brain because I know I'm a member. You're a
member, a real one. You shoot it straight. The number one thing
I would say, it's prevention. What is so sad and hearing some of
these callers come in where they have just gotten in such a bad place with
companies, right, and it could have been prevented, right, that's right.
What this is about scheduling calls to come out four times a year for
every part of your home. And there's no extra for those calls, there's
no part of them. See. So when you do the math, if
you can do the math for membership and it works out, then it works
out. It absolutely works out. Just one of our calls. So this
is for the plumbing they'll do a water heater flush. Yeah, that costs
you four hundred dollars, right if you wann't a member. If you're a
member, it is free. So normally this is twenty nine and even on
special it's one hundred and fifty two hundred dollars. You keep it right,
and that flush, by the way, just for people that know, you
have a sacrificial anode inside of your water heater which gets eaten away, and
then you always get sediment from hard water or except if you have soften water,
but you for most water and all of those minerals eat away. If
you flush a tank, you can keep that thing twice as long. Oh
yeah. And also think about the water that you're bathing a right when you're
not flushing that out right. So long story short, what this is about
is about prevention. I can't tell you how many times I've seen our text
go to calls. People have to spend so much money because they did not
do the prominent of care. So we'll talk throughout the show. We'll talk,
but the first thing, think about water flush, water heater flushing,
and then also there's priority appointments we'll talk about right now, Kyle wants to
talk about his issue. And by the way, Hannah, because I know
you do consumer work, I mean, feel free to chime in, by
the way, along with Mark. And as far as the foreclosure, when
Mark said, what difference does it make, he's kind of right. I
mean it's almost not kind of right. He is right in that it's almost
impossible to reopen a foreclosure once it's been judicially heard, except if there was
extreme fraud. That happened, by the way, with banks back in the
Great Recession. Banks they did go back and undo some of them, but
it's very rare. So I didn't want to give people the impression when Mark
said what difference to me, I said, no, Mark, you can.
I don't want to give the impression that that's a walk in the park.
It's not. It's nearly impossible to overturn foreclosures. But Mark, do
you remember Alway? Is he there right now? I don't know if he's
there. Yeah, I'm here, Okay, Mark, do you remember during
the Great Recession? Though? What bank? Do you remember? This bank
had a bunch of foreclosures they were doing illegally and they were just well,
there was just wells Fargo got hit over the head. I think Bank of
Americas got hit. It was a big deal. I think they've cleaned up
the mortgage industry a lot. Hey, So, Kyle, what's happening with
the title of your car? Kyle? Go ahead, Kyle? Are you
there, sir? Okay, Kyle, why don't you I don't hear him?
Man, So why don't we see if he's on the line, I'll
go to someone else. Dan has a comment. Okay, Kyle, Yeah,
accidentally, Yeah, there we go. Sorry I pushed mute. It's
okay, bro, tell me what's going on, all right. I'll give
you a couple of things and then you tell me what else you need.
Sure, I co signed on an auto for my daughter. She paid it
off in full June of twenty one. Neither of us can find the title
today. Okay, Well that hold on. Now, were you ever given
the title? Well that's what I'm trying to call Denver County to see if
the state still has the title. Well no, no, no, Now
here's what happens. Normally, the title is held by the lender. Okay.
And what you do is you get it after you pay it off.
Do you recall after she paid it off? In June of twenty twenty one,
if she got a copy of it or not. No, that's what
we can't remember. I don't have it. I checked my Did you contact
the cabinet? Did you contact the lender? Yep? I've got a a
new Lean holder right here in front of me. What do you mean a
new Lean release? Loka, new Lean release? What? What do you
mean? New Motor company? What do you mean a Newlean release? What
does that mean? Well, since we couldn't find the title, I called
Ford Motor Credit and they mailed me a Newlean release uh notorized the fifth of
January twenty So when you bring that new Lean release down to DMV and say
I need the title, what do they tell you? Yeah? What do
they say? Well, I didn't want to go to Denver County and wait
for two hours or whatever. Have him tell me the title. You want
to do? Man? Now, listen, here's the deal. You can
simply a rap a Hole County. Hold on a rapa Hole County, I'll
tell you over the phone. But a rapa Hole County is not where the
car is registered. Okay, I'm trying to just call Denver County and talk
to a person but Denver County, Okay, Denver County can issue a title
with a lost title if it was doubt and never received did Ford Motor Credit.
They should be able to tell you if they ever mailed it out.
Did they tell you that? Yeah, they said they did mail it out,
Okay, then I would believe them. Ford Motor Credit. It's pretty
cool. So if they said they mailed it out and you never got it,
it's a lost title. It's that simple. Yeah. And when they
mailed it out, she lived in Arapaho County, so it would have went
there. Now she's moved in. The car's doesn't matter right now, Ford
Motor Credit, since you never received it, they should probably apply for the
lost title. Okay. I mean they're pretty good people. They're not going
to do that. All he's got to do is go down to DMV mal
Mark Mark. You're saying he can go where he registers the car. And
so like when I paid off when I paid off my last car, I
paid it off to sell it. A few weeks before I sold it,
they sent me a lean release. I went down to DMV and they printed
right, darlies, and they printed a new title with no lean on it.
Just in my name. That's have you tried that community? Why don't
you try that it? Mark said, he did it. You know,
here's the deal, I can do it. I was just trying to call
Denver County and of course it's a nightmare. And after twenty minutes trying to
get a hold of you know, they have some Denver County. By the
way, I have a car. Listen, you can get to Denver County.
They have some DMV offices that aren't terrible. Yeah, I'm gonna go
to the one at Holly and Florida. Well, now you gave it away.
But there are some. There are some that have less traffic than others.
But I think you're on the right track. Call us if you have
a problem with that. Three ZHO three seven one to three. Talk Alex.
What's going on with Big O' tires? Alex, Man, it's almost
like a car day today. What's happening, Alex? Yes, sir,
I've actually talked to you guys before. You're very helpless. I appreciate you
taking a call. Sure, I took my car over to a new Big
O Tires for the first time in six years, and I thought I could
striving that it's closer and a We went there for an oil change and they
told me, hey, you know, pull synthetic, but you also need
to take care of the check engine light, which is we need to remove
and replace your thermostat housing and that'll take care of the light. Wait a
minute, how did they know what the engine light was? Did they pull
a code? Yes, sir, and they so they pulled the code said
it they needed to removing replace a thermostat housing, okay, well as well
doing alignment, which I didn't notice any alignment issues. Well these listen,
these are up sales. I mean sometimes they recommend things you need. Sometimes
they don't. But you know that's not I mean almost every car could use
an alignment if you don't remember the last time you had it done. So
you had an oil change, an alignment, and you had the housing done
on your what on the fifteenth on the two and fifteen g wranglers, sir,
got it all right? So what's going on? It's been just under
two months, less than six hundred miles around town, and I noticed all
my oil is ending up on my driveway and I'm like, that's weird.
Something's going on there. And then my check engine light came back on,
and my alignment's so off that my steering wheel got to hang to the less
to go straight. And then now the tracks control lights on as well.
So I call them. They tell me to bring it back in and I
say, hey, guys, look, every three things that you guys did
is now having an issue again. Can you take a look and see what's
going on now? They're telling me, oh, yeah, so it looks
like we got it. We Basically the reason why I check engine lights back
on is now you have an issue with your sway bar links, your alignments
off? You need new How many miles on this? How many miles on
this total? Seventy nine thousand. I just did four thousand dollars worth of
work about a year and a half ago. Over well, hold on either
either what they say is right or not. I mean, why don't you
take it somewhere else to get another opinion? Like if you're down in the
springs, go to Honest Accurate Auto. You talk to Jesse and you say,
listen, I was sold the oil change. You got the oil change,
you got the alignment probably and the oil filter housing. So now ask
him do you need these other things or did they cause problems? He'll tell
you yes, sir, and to cut to the chase. I don't waste
your time. But the main reason why I'm calling is because the bearings,
all that stuff I had, all that replaces a year and a half ago,
like four grand were of work and it was all brand new. But
that's not my main issue. The main issue is that with the oil being
all over the ground, right, they said that, oh, well,
what we noticed when you brought it back in just now is actually your entire
oil filter housing is cracked. And I said, well, you guys just
change the filter. So wait a minute, didn't you say they did that?
Didn't you say they did that housing too? That was the thermos that
housing, Oh never mind, got it, got it? And now they're
saying now they're saying that the oil filter housing has to be completely replaced,
and so does the engine oil. Okay, but Alex, is your message
to us that big O' broke these things or that they're trying to create work?
What is your message? The message, to be clear, sir,
is that the oil filter housing when they replace the filter. From calling around
other shops, they're saying, more than likely they overtort the oil filter down
and they cracked the housing. But they're trying to tell me that they're not
going to stand by that and that I need to come out of pockets to
replace the whole oil filter housing now, even though they just change the oil
filter, they're claiming it's a coincidence that within six hundred miles my filter housing
cracked and it has nothing to do with them. Crankd Maart, What do
you think? What do I just don't know. I checked out by somebody
else. I mean, he's saying it wasn't leak and before if that housing
was cracked before, well it would have been leaking right, And it started
leaking very shortly after I left, and it was just as small. But
whold on the other thing is, I don't know just by tightening an oil
filter, I don't know how that thing cracks. Maybe Kevin caukn over a
share it and can shed some light on it. But by hand tightening or
even ratcheting down an oil filter, I have no idea how that housing would
crack exactly. That's what I was thinking. Marked those are way softer or
I mean they're just aluminum tin can or something. I don't see how it
would crack your housing, he told me. When I just went picked it
up just now because I asked for the print out so I can get a
second opinion. He told me that he kind of spilled the beans on accidents,
claiming originally that they had nothing to do with it, but then he
decided to omit or say that, well, yeah, you know, these
housings that come stock on these cars are generally plastic. And he's like,
so sometimes, you know, with these older ones, when we're going and
tightening down these filters, it can just crack the whole housing all the way
down. So you know, it just happens. We just did three last
weekend. And by the way, Alex, if that's the case and they
didn't do anything wrong, it could be brittle or old. I don't know
that particular car. I mean, we could ask one of our experts.
But what do you hope to accomplish? I mean, I would take it
and ask if Jesse tells us Tom this thing was brutalized and he doesn't need
bearings and all this, then we go to war with Big O. But
we need to have some intelligence first. Yes, sir, I'm actually I
just pulled up to the old shrap by used to us. They've always done
great, honest work for me. Who's the old shop you used to use?
The one I've gone to the past six shares was always the Big O
on Omaha. But listen, I warn you if you're going to another Big
O mark, are they corporate owned? No? Okay, so do you
think? But do you think one Big O would talk against another Big O
if he found problems? Yeah? I don't know. I don't know the
different owners. I mean I think they'd be honest. I don't know why
they wouldn't be. Alex say when I called that if I bring it to
him, he said that if he noticed it's cracked because of them over ratcheting
the good would you call call us back, bro, call us back and
let us know, because I really we don't have enough information to go on
right now. I just think we need to fit. I mean, if
Big O' is that incompetent that new one, then they are. But you're
you're accusing them of other things, not just that you said. They also
were suggesting work you didn't need. Right Yes, yes, sir, yes
sir, And I'm about to walk in right now. And okay, call
us, call us back this show if you can three O three seven one
three talk. Thank you, Alex three oh three seven one three two five
five. Did I miss the fifteen Shannon? Okay, let's let's take this
quick break on Tom Martine go with a sure thing Denver's best ruffer Excel Roofing
dot com. You don't pay a cent until you're content. Time for an
insurance check up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three all three
seven seven to one. Help. You'll think you're his only customer when you
choose Frank Durand the real estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here
three O three seven one three talk seven one three eight two five five.
So Dan's got a comment on Castle Rocks Chevrolet. Not sure what that comment
is about? Is it a personal experience? Dan? Yes? Can you
hear me? I sure? Ken Man? What's going on? Oh?
Yes? I bought a twenty twenty two Chevy Collar brand new last year.
It has three year thirty six thousand mile bumper to bumper manufacturer warranty. Of
course, they try to upsell you other warranties, but which is ridiculous,
right because they're concurrent warranties and they don't add any protection whatsoever. Go ahead.
So anyways, I just so I have thirty two thousand miles on the
truck right now. I went to Discount Tire to get tires. I want
snow tires. My current tires are still good because they have the real deep
tread, but I never rotated them, but they still have They're still in
good condition. However, Discount Tire could not get my right rear wheel off
because the lug nuts would not come off. So I took it to Castle
Rock Chevrolet. Of course, they're all upset that I have not been going
to them for the oil changes and tire rotations. I do my own oil
changes myself, gotcha. So because I did not use use them and I've
never rotated my tires, they're saying, well, that's neglect and Chevrolet is
not going to warranty your vehicle. So I went to wait a minute,
wait a minute, Chevrolet is not going to warranty any part of the vehicle.
Or they're not going to warranty that one wheel thing. That one wheel
Okay, okay, that's a toss up. That's not totally unreasonable. What
they're saying is had you rotated them as you were supposed to, that stud
would not be stuck. So anyways, I took the vehicle too, because
discount tell your partners with breaks plus. I took it to breaks plus.
They were able to get it off within forty five minutes. The lug was
bad. They said it looked like it was bad right from the manufacturer.
So I have everything taken care of, but I just wanted to let hold
on. So wait a minute. So they say the reason it wouldn't come
off had nothing to do with the neglect. It had to do with a
bad MANU. How do you manufacture a bad stud? I mean, did
they have to take the stud out and put a new stud in the wheel?
You cross thread when you put it on? You mean at the factory
mark? Is that what you're saying? Yeah, I mean according to whomever
his expert was. Big. Oh, Now, where did they say it
was cross threaded? Where the nut went on or inside the wheel? I
think it was inside the wheel because they had to snap the old lug off,
and then they drilled out the old lug and then put a heating coil
in or tapped it or what now, they just pushed through generally. Yeah,
they didn't have to redrill it. They said that if they had to
redrill it could have taken leaving it there. But we get it done.
So they basically got it out. But they said it was cross threaded,
but I don't understand if it was cross threaded, how did they get it
out without ruining the threads that I don't know. I don't know if was
cross threaded or they had to snap the old Do you have the old parts?
I did not keep it? No, Well, how are we going
to prove this? Well? Like I, like I said in an email,
I'm not I didn't have to pay for it. It's under discount tires
warranty. I'll wait a minute, So you mean to tell me that dis
way? Wait? Wait? How can this be under discount tire's warranty?
How did that happen? That's just what they offered because they came in and
took but they never got it off to be let me get this straight.
When you went to get your tires rotated. They never got that off to
begin with, Is that right? Correct? They just they just said they'll
take care of it because I bought the tires from them. Well that's really
really nice. Holy crap. They didn't even touch that rear stud and they're
taking responsibility for it. Yes, they tried getting it off. They couldn't,
so they send me to I get it lost because they partner with breat.
But what I don't understand is why they warranted something they couldn't get off.
They never even I mean they obviously didn't cross threaded. Correct, that's
niceough. Okay, how much would this repair have cost you had they not
taken care of it? I don't know, because I would have probably thought
with Castle Rock Chevrolet over it, because I'm still under warranty with them.
Okay, whether Castle Rock should cover this or not, I mean, what
do you want right now? Since it didn't cost you anything? What do
you want right now? As I said in an email, just to let
you guys know about, I think it's shady practice that Castle last. I
don't know if it's shady. I think it's let's put it this way,
it's rink eating for sure. Here's a guy who bought a brand new Chefy
Colorado and they're scrown around about a stud. They could have fixed that.
To me, it's stupid. Who owns Castle Rock Chevrolet. I don't know.
Okay, it's a big it's a big new Chevy dealer. I know,
I know it used to be Medved. I wonder if it's Foundation.
I don't want to give Foundation a bad name because but I don't know who
owns it. I'm just trying to figure that out. Castle Rock Chevrolet GMC.
It sounds to me like a bunch of idiots. I mean, to
really put you through this for that sounds stupid. It's just so. That's
that's the reason for my call is just to let you know. I don't
need to get refunded any money because it's no no, I get it,
can care, but just to kind of let you know what happened there that
I have this new vehicle. It's still under manufacturer warranty and they they said
it's neglect because I'm not getting my oil changes through them and I'm not having
their tire rotation through them. They just said that I'm glad, I would
love it. I'm looking at their website and can't see who owns them.
But in any case, thank you for letting us know. Let's put it
that way, this that it's worth knowing something like that. Three oh three
seven three talks seven one three eight two five five What do you think I
mean? They? You know the guy didn't have his all changes done as
were at tire rotation. They refuse to even look at the rear tire.
That's just stupid from somebody who bought a brand new UH truck in twenty twenty
two. By the way, three oh three, what's that mark? It's
Foundation Automotive. I'm shocked. Foundation I thought was supposed to be a good
ownership group. Anyway. Water pros that whole house water filtrition and softening for
under four grand. It's a wonderful system at round thirty five hundred. You
don't do better three oh three eight six two five five five wor go with
a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free, no obligation.
In comparison, call compass insurance paying too much your coverage at dozens of
insurance companies find out now three all three seven to seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three all three nine two zero
sixteen twenty two TI Tom Martina here, so Hannah with fix at twenty four
to seven. Fix myihome dot com is where you want to go, or
we can actually give out the number two seven two zero five two six thirty
nine thirty nine. So we talked about this membership where you get four visits
a year for preventive maintenance. One is that that extreme clean right to the
other one's the water heater flush. Then you have the electrical panel check and
a plumbing thing right, and you don't have to pay for any of that.
This is a part of the membership. Then we schedule it for you.
That's the great thing too. You get priority yeah, scheduling, yes,
and then you get something about a replacement. Every dime you put into
your membership goes toward a replacement. So yeah, whatever you're paying every month
for every penny, it goes into a bank. So if you do have
to make a repair anything that you've paid throughout the year, goes that and
no, seriously, so you're banking that money even Yeah, you're getting service
for it, but you're still banking it. Here's the other one, real
quick. We're giving away right now today. How are we gonna do this?
Five free memberships? How do we do it? The first of five
people that call right now? Online? Okay, people, there's only five
right now. Fixmihome dot com or seven to zero five two six thirty nine
thirty nine. This is like a six or seven hundred dollars value or more
be it depending on what you need. This is free for the first year
and no obligation to continue either. Five of them right now. Five memberships
seven two zero five two six thirty nine thirty nine. Wait till I tell
you after that. The ones who don't get the free what it's going to
cost. It's going you're not gonna believe how economical this is. Seven two
zero five two six thirty nine thirty nine. Okay, Mike, you have
a comment on Castle Rock Chevrolet and that's a foundation dealership. What did you
want to say about them? This guy was very disappointed that they turned him
away for a sticky stud because he hadn't had his tires rotated and they blamed
him for that. Go ahead, Mike, I just think you got to
draw a line somewhere with a manufacturing or Everyone has to understand that these dealers
are just the franchise. They didn't build the car. Their hands are often
tied, as with any franchise about what they basically with the manufactured girlhouses or
go reivers them for. Obviously, they want customers. They want to fight
for their customers if they're a smart franchise to retain those customers for future business.
Okay, Mike, that's a good point. What you're saying is there
would be no skin off their back do this repair and gets because they make
somebody happy. But there you're thinking they weren't going to get reimbursed for this.
Correctly. So I think, however, another way, and that is
from all my ears dealing. Let's stay with Purefoy Chevrolet over the years and
Roally sold and he's not there anymore. But Perfoy Chevrolet, they would actually
go to the manufacturer for the customer and plead their case. They wouldn't just
turn them away. If it autos something the manufacturer should cover or there were
times they simply covered it themselves just to keep people happy. What would it
really have cost, you know, Castle Rock Chevrolet to replace that stud for
goodness sakes? Correct, But think of it from a business perspective. Just
dollars and said, try to take a modi and completely out of it.
You have a customer who already has proven that he's not going to service with
you. He's probably of previous behavior, going to service somewhere else. Yeah,
he wants you to do some goodwill, reach into your own pocket and
pay for It's not your fault, right. I can't. I can't argue.
I can't argue with that logic. They were thinking, Wait a minute,
this guy didn't even bother coming here once. He'll probably not come back
again. Okay, maybe maybe, Mike. You know what, Like I
said, it used to be we do anything we could make someone happy.
You're saying dollars and cents take over to some extent, take emotion out of
it. I can't argue with that. I mean, I don't think there's
a right answer. What do you think, Mark? Do you think I
agree one hundred percent with He just said, you've got a customer that's already
proven they're not gonna buy anything, why would you do anything for him?
I mean, I understand that, But they had an actual warranty issue,
so they would have got paid by the manufacturer. That's the part I still
struggle with. Yeah, but he's saying the manufacturer maybe would have wouldn't have
paid. Maybe they tried to get it reinbursed, or they they inquired about
it. No one's ever taken that wheel off and the stud was cross threaded
or whatever was wrong with it. What else could it have been. Yeah,
they're saying because it was stuck on it, he hadn't done it.
But I do agree. I do agree with what that guy said. My
guess is he works for a dealership. But I one hundred percent agree.
I'll give an analogy in my own life, back in my goodyear days,
if I had a customer that would come in and purely just want a free
flat repair all the time. You know, eventually they're at the bottom of
the barrel. Man, They're the ones that are going to be waiting in
line the longest because they don't even buy an oil change, or the ones
that just come in with the nine to ninety five oil change coupon and never
buy anything else. Even if their air filter has four layers of mud on
it, you know they won't buy a ten dollars air filter. I don't
want that customer. All right, let's talk to Sally. Sally, what's
going on? Yes, I went to the dollar store on Sunday and I
found one hundred dollars bill on the floor, so I gave it to the
girl at the register. Why would you do that? I'm curious why you
would do that. Oh, in case someone I would say this, this
is what I would have done. I don't mean to interrupt you, Sally.
Here's what I would have done. I would have said, I found
money on the floor here. If anyone claims they lost money, tell them
I found it. Then I would quiz people as to how much and if
it was one hundred dollars bill, because too many people are just going to
keep it. Go ahead, Sally, what's going on? Okay? And
anyway, I called today and I asked them if anybody had claimed it had
come back to claimed it and they said no, And I asked them,
well, what do you do with it? And they said that they just
put it back in the register. Do people usually do that the stores.
Anyway, I think it's finders keepers. But I don't know, man,
I don't think. By the way, if I was a manager of that
store and my drawer was over one hundred bucks, I'd be quizzing everybody.
Oh that's true. If they put it in the registered market, wouldn't balance.
That's another point. I bet the pocket of whoever you handed it to.
Let's call them up. Let's light them up. Let's get that one
hundred bucks. Hey, listen, you should have gotten it. That's why
I say to people, I found a piece of jewelry or I found money.
I never give an exact description. I don't say this diamond ring of
this color and this or silver or gold and I just because if somebody lost
something, they should be able to describe it. Yeah, but this lady
did the right thing. Kelly, Let's call up this particular dollar store and
figure out why they think they should keep it. I like that idea.
Oh, I like that idea, So let's do it. I bet they're
lying. I bet I bet you're talking to whoever put it in their pocket.
I want to talk to the manager and see if that drawer was one
hundred bucks over this whole thing sounds like crap. Uh oh three oh three
seven to one three Talks seven one three eight two, five to five.
Ideal Home Loans still doing home loans with the interest rate guarantee. When rates
go down, they refinance you free of charge. Ideal Home Loans dot Com
three oh three eight six seven seven thousand. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Please time for an insurance check up free, no obligation comparison call Compass
Insurance Paying too much your coverage at dozens of insurance companies find out Now three
oh three seven to seven to one help. You'll think you're his only customer
when you choose Frank Durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom
Martine here three oh three seven one three Talks seven one three eight two five
five. All right, So Sally found one hundred dollars on the floor and
wanted to know what's going on with it. We have Beth who wants to
talk about it. Thank you, Beth. We really appreciate that. Well,
thank you, really, I do mean that. So what is the
story there? When people find money? What do you normally do? Sally
claims it went back to the register, and she says, why should it
so? Our company policy is to hold it in our face for approximately a
month, and then after that it gets added into our deposit. Okay,
not into a register, but your general overall deposit. There's a big flaw
with this right now? What is it? Mark? Everybody's going to call
up now and say they lost one hundred bucks at the windsor dollar trip.
Yes, yes, you know, Beth, I don't hold that. I'll
do that up in a minute. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until you're content. Three
time for an insurance check up free, no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two ripped news need you don't have
run as you can show, Shooter's gonna help come Man six is the Troubleshooter
Show. No Tom Martine. Hey, I'm Tom Martino. Welcome to the
show. Three oh three seven on three Talk seven one three eight two five
five. Let me switch to our wide shot. I have Hannah Davis with
us and Hannah's with fixmihome dot com fix at twenty four to seven. Here's
the deal man. We were talking about this membership thing. Okay, and
on the membership thing, there's five free. They may have already gone,
okay, you can call if you want. These memberships include four visits a
year, one from an HVAC tech for the deep cleans up, h for
your air conditioner, furnace of water, heater flush, a panel check up
and tightening, and then you're plumbing. And that's all four every year,
four times a year. You get these and you get preventive maintenance with that,
and then of course what you get is every penny you pan a membership
goes toward replacement. If you ever need replacement of anything, every penny is
bang, you get it. And then the other thing is you get priority
like on a on a deep freeze. Everybody's calling you, everybody. You
get priority appointments. You also get already pricing. So five of those memberships
are free. But here's the great news. Even if you don't get the
free one, anyone who calls today is that right today, today, today
only if you call today during business hours for this membership, you're not gonna
believe this for the first year and there's no obligation to continue for the first
year. It's fourteen dollars a month. That's one four that's that's like two
lattes, two lattes, and again it goes into the bank. I love
seeing Tom excited. Guys, this always happened. No, but seriously,
fourteen dollars amazing. I do have an update though, because I'm a member
though, so what happens if you're trying to sign up now. No,
I'm already signed up and I'm paying more. Well, we'll talk after show
on that, right, But I do have an update. Yeah, we
have two of the free spots left. Three have already gone. Oh my
god, I get smart people at home. I've already called. There's two,
honest a guy, I can't believe there's two. Okay, here's the
number seven to zero five two, six thirty nine, thirty nine. That's
a free membership for the year, no obligation to continue. Then you'll decide
if you love it or not. And it's the same with the fourteen bucks
a month. You know, you can quit it anytime, but if you
take it and you love it, is fourteen dollars a month. Okay,
Now, Rachel, let's talk to you. Rachel. Hi, what's going
on? Rachel? Hello? Yeah, what's happening? Rachel? So?
I am a small woman owned business. I have a small a food truck
business here in Denver, and I look tired by Union Station the Crawford Hotel
for their New Year's Eve event after the event had taken place, so I'm
sorry. Before it had taken place, I was told that the guests that
they were hosting a big three tier party. The guests would have a ticket
that they would bring to my food truck and they would eat for free.
At the end of the night, I handed my tickets and I would get
paid for the tickets that were brought to me. I've done this many times.
Usually at the end of the shit, I get a company credit card,
They total everything up and I'm paid. So end of the night comes,
I handed my ticket and that was it. They said we'll send you
a check and I thought, well, okay, it's not usually how I
do this, miss But hey, Rachel, may I ask you something.
As a food truck owner here doing gigs like this, do you usually get
the Do you usually get the contracts in writing or is it a handshake?
Or how do you do it? It is usually through an email or this
time it was through a third party service called Truckster. So I was hired
through they called contacted Truster. I was hired through Truster and I was just
told that I would cater their company party, that there would be tickets,
that I would be paid for the tickets. Okay. Now, now,
after about a week or so, I received an email saying that they were
going to pay me ten dollars per ticket and that is and I kind of
lost it. No, wait a minute, how much did you think you
would be paid per ticket? The ticket price, which is the item that
the customer purchased. This is how I've done business and this is how food
Oh wait a minute, hold on, so yet it specify in the email
price per person that was capped. No, they just said said the gusts
would have a ticket. And this is how it always works the host anytime
it's a host paid event. So so you mean there was no limit on
that ticket, like what if I bought what is the most expensive thing?
I mean there was no limit on a ticket. So it was one ticket
per one item. I think the highest price I had on there was actually
on that night was fourteen dollars. You know, I do have some menu
items that are up to fifteen, but on that particular night. So when
you say per item, if I go get a meal and a drink,
are they is that two items? So we were not to provide coverage services
since they had a bar inside. So it was okay played just for an
entree or an app. I get it. So one ticket per food item?
Got it exactly. So, and give you an idea what kind of
truck is it? Is it American food? What is it? So we
have a plant based street stood truck. So I do things like soafas and
Asian tacos and curries things like that. I get it. So what ended
up happening? Did they send you the ten dollars per ticket? So in
an email, they stated that they would be pain me ten dollars per ticket
after the event. I said, absolutely not. There is no verbal or
written contract that these tickets were supposed to be ten dollars or else I would
have completely redone my menu. I would have cut the portions in half.
I would have worked out something so that it would have been a fair ten
dollars ticket price for me. And sort of, well, no, I
get it, that makes sense to me, but right, hold on,
what do they say that was never the deal? I mean what, I
can't see the Crawford Hotel wanting to beat up on a on a on a
female owned business. What is there? What is their take on this?
What if I called them, what are they going to say that you got
it wrong or what? Well, So, what it happened is after I
had called them out that there was no agreement, no verbal contract that right
tickets for worth ten dollars, they handed it off to another member at the
marketing that's apartment at the hotel, and they finally decided that they were going
to pay me the ticket price because I had written on the back of each
ticket what the item was and how much it costs I did also mention that
it was very very rude for them not to cont me a twenty percent gratuity,
which is customary, since I now had to cover the cost of the
permit. Well, though, wouldn't that be up to the guests to tip
well because the guests were getting screen tickets. Okay, tell me how that
works, as the host who's paying for the event would do gratuity. I
didn't expect it after. I wanted to just let them know that it was
very rude and very uncustomary to tip a service industry or to not. But
you did finally get them to bend to the ticket price. Correct. But
may I ask what the difference would have been? Can you give me,
Rachel, give me an idea of the numbers? What would the numbers have
been? Like? Give me an idea of how many tickets you sold that
night? I sold about seven hundred. I think it was around seven hundred
and fifty dollars on my price of the food, so that was a large
portion a good meal about fourteen dollars a ticket, about seven hundred and fifty
dollars just to their GasPort. So they wanted to comp me only around five
hundred dollars for Okay, I now would have washed money because I also gave
them full portions. Got it? So I also have not and paid.
Wait a minute, so they agreed to pay but never did pay. You
never paid, so to this day, hold on to this day, you've
not been paid? Correct? Are you kidding me? There? Wait a
minute? Is it? Are you crazy that you have not been paid a
dime? I have not? And this is this was when? When was
the event? This was on New Year's Eve? This is crappy. This
is crappy. I mean, come on back to them, and who have
you been? Who are wait? Who are you dealing with at the Crawford?
I stay there now and then, although since really Union Station has gone
to hell? But Crawford? What's that I'm dealing with? In the marketing
department? SiGe? Yeah? May I ask at the I got to ask
Sigri? Is that? What pronoun? Would that be? He? Or
she? Sigri? We got to call Sigrit Strand? Yeah, Sigri Strand?
Correct? What a name? I've got a question? Have you been
able to go above Sigri? Go above marketing? Because I would think the
GM whoever's in charge of your they do not want this happening. I would
have to assume that. Yeah, for the for allows a couple hundred bucks.
Did you go above Sigri? I have not because I've been asking my
third party to help me deal with the situation, because usually if I'm not
paid right away, the third party takes care of it, you know.
Please. I also have to pay my third party ten percent of my sales,
so I'm also the third party, your booking agent, so to speak.
Correct. Yeah, now let me ask you some sagree since I'm not
Sagram, I'm sorry, Rachel, since I have you here, Like if
someone wanted to hire you, since you're on the air right now, let's
give you a plug. Someone wants to hire you for a block party or
at their home or something, how would you charge? Well, it really
depends on if the host is pain or if the clients are paying or you
know, the customers are paining. If the host no, let's say the
host, let's say I want to have a party and I want you here
and I want to provide for you to my guests. Sure, depending on
the amount of people per you know, per event, it is generally around
one thousand dollars minimum okay, and then yes, or the host pays at
the end, right as the event is ending. Anything you know that we
would have any differences. Maybe you know why only sold eight hundred dollars worth
of ticket? Then the host always pays immediately and does the host include the
tip? Cory, Yeah, I've always been tip twenty percent is custom?
Okay? Then okay, Rachel, what if it's a thousand minimum and then
I sell more? You just bill me retail for the additional right I do?
Correct? Yeah, I would pay. I would bill you or invoicy
for the remaining You know, Rachel, if you think about it, there's
no cleanup, there's no mess, there's no fuss. I like it.
You know. We get them out here all the time for our parties.
No, I know, Mark, last time we didn't. But you're right
you had him a couple times. Is that how it worked, Mark,
Well, he would just charge whatever retail was, so it didn't matter whatever
people ordered, we didn't care. And then basically at the end of the
night, I paid him whatever the retail was and then I tipped them.
Okay, good, Okay, that's exactly the way you should work. Was
there a minimum, Mark? No, our trucks didn't. I don't think
I've ever had a minimum, although I don't know if it would have ma
so, but they did not know. Yeah, you probably made enough anyway.
Okay, so how do people again, We're going to help you here,
but how do people get in touch with you? Rachel? Oh?
I call it as my partner just received a phone call saying that she is
sending the chuck tomorrow. Is it that? Hold on? I deserve I
deserve this right now, we deserve I do this for our successes. Okay,
hold on, hey, ready, here it is Oh, it's it's
not here. Hey, hey, Shannon, let me ask you something.
Is there a conspiracy to do away with thank you? I mean because my
dinger needs We need to get this dinger out from time to time, and
I believe it's a good thing. So I'm going to do it again.
That's much more hearty, Rachel. You let me know. Keep in touch.
Okay, I will thank you, Tom. I appreciate your time.
Yeah, it was worth it. Right, Hey, come on, I'm
gonna I'm gonna oh, hold on, now, you still have to tell
us how to hire your truck. I'm gonna give you a plug. How
do we hire your truck? You can Facebook message me, you can Instagram
message me at the Savage Beat, or you can email me at Rachel at
the Savage Beat. You can hire me that way Rachel at the Savagebeast dot
com. More coming up. Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content wait on top
of it. Time for an insurance checkup free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three seven seven one help. You'll think you're his only customer when you choose
Frank durand the realists Man dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. I gotta make this correction,
all right, it's Savage Beat dot com. Mark. Did you hear it
as Savage Beat from the beginning or did you look it up? What tell
me? I only heard you say it, so I'm not sure what she
said at the beginning. Yeah, I thought she said beast. So hold
on, let's do this again, because I really want to give her some
business. It's Rachel at Savage beat dot com. And you say they have
great ratings, five star ratings. I'm looking at the photos right now.
My mouth is good, water excellent. All right, he knows what she's
doing, So Rachel, thank you for being on the show. And I'm
glad we were able to help with the Crawford Hotel. And that's good.
Okay, Now let's continue on the phones three oh three seven one three talks
three oh three seven one three eight two five five. You can also call
three oh three Martino three oh three six two seven eight four sixty six.
And you heard you heard Hannah's voice, and she's here promoting fix It and
fix It twenty four seven, which is fixmi home dot com. That is
really an unbelievable deal they're doing right now. So the membership to get four
visits a year free for complete maintenance of your HVAC, your electrical panel,
your water heater, and then a general plumbing check. That those four visits
plus priority pricing, plus priority appointments, plus when you need a replacement,
one hundred percent of membership fees were banked that go toward any replacement. So
they're giving five of those away free at seven to zero, five, thirty
nine, thirty nine. They might be gone by now, but if so,
if you call any time today, you get fourteen dollars membership a month
fourteen bucks. That's two lattes fourteen bucks. And by the way, that's
for the first year with no obligation to continue. But it's a great period
because if you decide you want to continue, it's still going to be a
deal. What is the regular price? Twenty nine to ninety five? See
that alone? Is it great? Okay? Go ahead? What are you
gonna say? Well, I want to ask you, because Tom, you're
a straight shooter. Yeah, when you signed up, what was the thing
that you love the most with this experience at the extreme clean? There's no
doubt in my mind. I mean, I like the water heater flush,
but they were nice enough to do me an instant water. I have a
constant flow from them. Okay, so I don't need that anymore. Yeah,
but so what I mean, I still get the values. And we
just had another furnace done by them. I don't know if you know this
for an addict on our other home. And I'm telling you that they were
so neat it was hard to believe. I mean, honest to God,
we didn't see a crumb anywhere of anything. That's one of the biggest things
I see when I go through the reviews. They can't believe it will be
cleaner sometimes after they leave than before they came. Now, I want to
tell you something that's serious on consumer news, and this happens a lot.
First of all, I want to ask a question. This is a trivia
question. I want to ask you, Hannah. Then I want to ask
Mark. Have you, guys, do you read terms and conditions when you
sign up for a service and give your information? Do you read it?
Every bit of it? I don't. I just don't. Okay, do
you I was gonna be honest, No, no, I do not.
I do if I don't know the company, or if I don't know of
the service, but if it's like a Google or an anozim or you know
different things. Mark, do you read terms and conditions and how they use
your information and all of that. Nope, Nope to you. Okay,
now who has time? Right now? I mean, honest to God,
some of those terms and agreements. Okay, have you heard the term doxing
dragon? You're pretty hip? Have you heard doxing XXI. That's where you're
given out personal information about somebody and in the hopes of a retaliation or something
like that, we're a location of somebody. Yeah. Yeah, now we
know what swatting is, right, So this is the online version of swat
Well not really, but it's like swatting is a bad thing too. That's
where you call it a crime at a place and then doing generally is not
illegal, you know, it's not. That's what I wanted to talk about.
Do you know right now there is an article about doxing and how eleven
million households have been victimized by doxing, and that's where their addresses are given
out, their social Security even credit card numbers, dates of birth, and
they do it just to be mean. Now God, thank god, I
haven't been there. Yeah, the Democrats did it to the Supreme Court justices
not long ago. I was about to saying, you see this a lot
with public figures, a lot of politicians. You'll see this happen. You'll
see this with celebrities. What would the intent, though, be for a
private individual? Why would anyone want to worry? Well, if you're mad
at them? Okay, okay, if you're mad at the president of the
dollar store, or of a car dealership, or a salesman who works at
such and such. I mean, it's really just to harass people, But
man, does it get scary. And doxing is not illegal, they're trying
to make it illegal. But Mark, you're right, there were a lot
of I don't know if they're Democrats or what. They were liberals for sure
that did that after the Roe versus Wade decision and they went out highly doubt
they were liberal Republicans. Okay, So anyway, they went out and gave
information about these public figures. But what do you think about that the practice?
Do you think that your information can be found? One thing I talked
about, Mark, I talked about this VPN, and by the way,
I wanted to tell people. I don't know if you heard our off air
discussions on the stream I was talking about after I got this VPN, which
I don't use all the time, but I use it sometimes. It's to
cloak your identity. So I do that when I'm probing companies or I'm looking
on the dark web and I'm trying to find you know, doing my what
I call my intelligence work, where I don't want to be tracked or found,
and so I use a VPN, and I thought the VPN was slowing
me down. It turned out it wasn't. But I don't connect all the
time to the VPN. But this VPN mark is amazing when you're on it.
Do you know that it told me places where my information was being compromised.
It told me, I mean, it said go here and go here,
And I went to those places and sure enough they had stuff and I
was able to delete it from old accounts. And I didn't know VPNs even
did that. But they do a deep search of you and find where your
username and passwords are being not necessarily used, but where they can be known
where data breaches have taken place. So that to me is an incredible reason
just you know, for having one and every now and then signing on to
it. That is really smart for individuals. You see this a lot corporations,
corporate culture. They do this to protect their data because they're trying to
be hacked every which way right right right, and with remote work. I
think private individuals are realizing the importance of this, so anyway, it's so
important. Doxing has become the big deal, and I'm telling you that it
it's scary. There have been like dates of birth, social Security numbers,
addresses where people have had identities established for them and loans taken out because of
this data breach online. So we have more coming up. I'm Tom Martino
three oh three seven one three A two five five go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're
contenth time for an insurance check up free, no obligation in comparison, call
Compass Insurance paying too much your coverage at dozens of insurance companies find out now
three oh three seven to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi
Tom, aren't you know your troubleshooter THREEZ three seven one three talks seven one
three eight two five five. Deputy Chopper has an update on con Home Plus
with this original problem. Chopper, what the heck was that about? We
got the call last week the woman purchased three items for about fifty seven hundred
dollars from the company and could not get any service or anyone to return any
calls. There was like two one was dented, the hydraulics didn't work on
the other, and they didn't give her a power cord. But she finally
got that. Okay, And what happened? I mean, what, what
were you able to do? Well? I was able to reach out to
CON's Home Plus Media Relations corporate office and told them about the problem. And
then after about three or four emails back and forth, they actually got a
hold over today and said bring the furniture back. We'll take care of everything.
Well, when they say bring it back, do they mean she brings
it back or do they do they basically come and pick it up or what?
No. I got the impression from the caller that they were going to
bring it back and they're not going to give her a cash refund for what
I understand, it's just an exchange for others. Sure, they're going to
exchange the faulty stuff, that's correct. What was her first name or who?
I'm trying to find the original call Michelle Michelle, Okay, and let
me just find that. And then also on the the one you got today.
Did you make any calls on that? No. I was waiting to
give you this and I was going to go and do the cars to the
body show. So so thank you very much on this con one. It
sounds like they're going to do it and take care of it, and that
gets my cool stuff, all right, three all three seven one three talk
seven one three eight two five five. So if you have a problem,
question or complaint, you can also call us at three oh three Martino three
oh three six two seven eight four six six. Now did you hear about
this United flight from Denver to Portland this week? There was a chihuahua in
a dog carrier and guess what happened. The chihuahua was sick and had diarrhea
and pooped inside the crate. She took it out. It pooped all over
the seats and the floor. They had of land because people were so sick.
An emergency landing. Now I want to hear the call to FAA,
and I mean to Tower, this is a United flight, iron Chlenceol.
We have a crap what would you call it? A crap emergency, a
poop emergency? I mean they had the land. Now the passengers got sick
and started vomiting as well. This was like hazardous waste. This this still
is not as bad as the poor woman that this happened to. Do you
don't remember this? No, what are you talking about? This happened with
a human that she had to poop, Yes, and did, and they
had to land the plane. Yeah, this was about a month ago.
Really was a human woman. I will pull up oh talking, And here's
the deal. They landed and they're supposed to go overseas. She got back
on that flight and still went. I would have moved out of the country.
Left. God. Yeah, this is the shouaas noe, shame a
human. I don't know how you So here's what the people got for their
trouble. What do you think they got? They got vouchers fifty to seventy
five dollars each fifty mark. Do you fly Southwest? I don't think it's
southwest. I mean Unite is problem. By the way. By the way,
it's not United's problem. But the chihuahuah got sick, and therefore do
you think owner, Well no, because the owner wasn't negligen orny. It's
not like the owner did anything intentionally so I think this is just that expression,
you know, what happens. This is perfect example of that it just
happened. I was also thinking when you're saying, what was the called a
certain storm and s storm if you will, yeah, is what you would
call that's what happened or s happens. There you go three oh three seven
one three talk seven one three eight two five five. Genesis Total Exteriors remember
all of your all of your storm damage on one invoice, one point of
contact, one person, somebody we know and trust for anything on the outside
of your house. Genesistotalexteriors dot com. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent until you're content,
wait time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three all three seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero sixteen twenty two. Hi
Tom Martino here, three l three seven one three talk three oh three seven
one three eight two five five. You know, I got to emphasize that
this guy, Robert, he sent some foreclosure documents to us. I'm gonna
look at them. I'm gonna give him the courtesy of looking at them.
He called earlier in the show. His bottom line was during COVID he entered
into a four pearance. I remember your words marked during COVID, and you
said, do you remember this? These four barons agreements are going to cause
people as much trouble as if they missed their payments regularly. Without one,
it's going to be a hell on them. It's going to cause a lot
of foreclosures. That's exactly what they did because they expected, in some cases
for you to refi at much higher interest rates with payments added to the back,
which is me with the balance added to the back. Or they expected
you to do a second to pay off the ferance amount you didn't pay,
or they expected you to make it up in a lump sum. There were
so many conditions that were almost impossible for people to bear. But yes,
forgive me. Can you explain what the forbearance system is? Well, normally
a forbearance is we're not going to foreclose on you. We will make some
kind of an arrangement to allow you not to make a payment. Okay.
During COVID they did it where a lot of them put it on the end
of the loan. Okay, but you ended up owing a lot more because
you got interest put on the back of the loan along with unpaid principle.
Now, most forbearance agreements did not do that. The payments you missed you
had to make up. That's what people did not realize, you had to
make them up. They presented some people with lump sums that were ridiculous.
Others had to make payments on that lumpsu or not a lump sum, but
had to make payments on the forbearance. And then what this guy said was
and this happened to a lot of people. So I believe Robert, but
there's nothing on his side. He never got a forbearans agreement in writing,
He never got anything in writing. He just stopped making payments so they foreclosed
period. And he's a wait a minute, I had a forbearance in agreement.
But he can't prove it. You can't prove it. Yeah, you
know, So you just stopped making payments and you claim that your company gave
you a forbearance. Well, guess what. That doesn't always work. So
I'm anyway an attorney. I don't think is gonna help him, but I
am going to go over the paperwork. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent until you're contenth time
for an insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance companies find out now three
oh three seven to seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two of time ripped
up. You need advice so you don't have comun as fast as can.
Shooter's gonna help coming man is the Troubleshooter Show Now Tom Martino. Hey,
I'm Tom Martino. Welcome to the show. Three oh three seven one three
talk three or three seven one three eight two five five. Before we go
any further, I just want to remind you that there's an extraordinary deal going
on right now at Fix at twenty four to seven for memberships on their maintenance
membership, which means you get four visits a year for preventive maintenance, the
extreme clean on your furnace, a water tank flush. These are separate things.
And then you get an electrical panel adjustment and tightening, and then you
get also a plumbing inspection. This is every year. And the priority calling,
which was huge. Priority calling is good so when there's a lot of
people calling, you get priority appointments. You also get discount of prices,
and when you need a replacement, every penny you pay for this membership is
automatically applied to the replacement, so every penny is banked now this year alone,
the five free wins are gone. Okay, we gave away five free
memberships right now, though they're almost free. They're dan they're fourteen bucks a
month for the first year and there's no obligation to continue, so you may
not. May you want to do this? Fourteen dollars a month for just
those four services. You are making money on just those four services. Fixmihome
dot com. You got a call today seven two zero five two six thirty
nine thirty nine fourteen dollars a month seven two zero five two six thirty nine
thirty nine. By the way, we have problems, question complaints of all
kinds. I do want to talk to someone right now though, that it's
very important to me that we cover this topic because it is of utmost importance.
Rachel, are you there, Yes, I'm here. This is Rachel.
Oh, I'm sorry, Raquel, Raquel Lane Ariano is it? Yes,
okay, you're with the Colorado This is a really important topic, especially
for a consumer show, because first of all, I don't know that much
about it. I just know the problem. Everyone knows the problem. Everyone
is hearing about the problem. But you take a side that I have not
explored, nor have I heard a lot about it in the media. It's
the Colorado Immigrant Rights Coalition. Now, Raquel, you know that for some
reason, and I think I think the media would have covered what you call
immigrant rights. You also know there are a lot of people who think,
wait a minute, they're coming in and taking housing and hotels and food and
what. You know, we can't afford it. And I just need to
know about the right now. And I really mean this sincerely. I'm not
trying to trick you or anything. You stand for immigrant rights, and you'd
say that the new immigration law being proposed is there's some bad parts to it.
So could you ask I want to ask some basic questions because I don't
think anyone in radio i've heard or on TV has interviewed anyone talking about immigrants'
rights. We've heard people bitching and moaning about immigrants, complaining about immigrants.
We've heard about US running out of money trying to take care of immigrants.
We've heard all of that negative stuff. So there is a humane topic here.
Let's face it, there are people. They don't want to just toss
people away. But what is your feeling, first of all about coverage?
Do you feel the coverage is unbalanced in any way? Yeah, I definitely
think that there's a negative in the coverage. One of the things that's been
really frustrating for me is some reporters have been getting the framing wrong. Right
is, I've seen some coverage reporting people who are here right now write new
arrivals as illegal immigrants, which is actually incorrect. They're actually as silence seekers
and the only way to seek asylum is to present yourself out a port of
entry, which is what people think they still get for Mark, Mark letter
talk. Please let her talk. I'm not going to attack her. I'm
going to let her talk and then we can ask questions. Go ahead,
Raquel, go ahead, Yeah him, Mark, Yeah, I was just
saying, I do think there has been a little bit of a negative coverage
of newly arrivals, and I think it's it's mostly just because it's the election
season. It seems to be the time when people want to talk about immigration,
but don't necessarily always want to talk about it. Okay, but what
I want to ask, I guess what I want to ask is this,
And first Mark, if you have a question, let you go first.
Go ahead. Mark. I was just asking her. How about the godaways.
Wouldn't they be considered illegal? What's the Yeah, I don't know what
that is. Mark, What is that? The people that came through without
checking in with anybody at the border, the people it didn't do anything.
There's certainly, Raquel, there are people here illegally. Would you say,
yeah, there are people who haven't went through you know, yeah, like
a port of entry. That absolutely happens. But I think by and large,
like people who are getting assistance from the cities and therefore are new arrival.
The majority of new arrivals have a numbers, which is an alien number.
It is a number that you get when you pass through a port and
you create an appointment with ICE. Okay, so your appointment might not be
for like a year or two from when you got it, but that would
be somebody who is presented themselves there in the process. And I think that's
the vast majority because the city is that not necessarily supporting people who don't have
a numbers. They are you know, we're kind of requesting that people have
a numbers in order to guess it's okay, so a books, But here's
the thing. What if cities can afford and states can't afford to help,
what are what is? What is your position on that? And again,
I truly, honest to God wanted discussion Colorado Immigrants, writes coalition. What
are cities and states supposed to do they can't afford it, shouldn't they at
least limit the border right now until they can work it out. Yeah.
I do think it's a federal government responsibility that is being neglected at this moment.
I don't think our federal government is doing enough to help coordinate. Part
of the reason that it's been more stressful for people arriving and also for the
cities is because there's no coordination, there's incentive to make this more political than
it is, you know, instead of treating it like a humanitarian moment right
where we can choose to welcome people. I do think their cities are right
to be calling on the Biden administration to actually step up and the coordinate and
to provide reasonable funding, right because it's not reasonable to expect to these cities
and states. Yeah, yeah, that these cities and states take on the
burden right without having federal over like federal do implementation. Do you think there
should be a limit? Because I heard someone who was all for legal immigration
say that when they were with Obama, five thousand a day would have been
considered an astronomical amount. When they had one thousand a day, that was
pretty good. But now we're talking about what twenty and thirty thousand? I
mean, is there a limit? I mean I guess as an organization,
what are you trying to accomplish? Do you think there should see be some
sensible process or limits or and when you say, the federal government. I
agree, the federal government isn't doing much at all. So what do you
see as a solution. Yeah, we also want to see an orderly process.
We want to see people have reasonable time, you know, like amount
of time before they're going to see a judge, and also have access to
council so that when they do see an immigration official, they're able to really
make the case. Because the thing about asylum is is a life or death
situation. You never want to be in a situation where you are fleeing your
home because it is unsafe, you know, for you and your family,
and so the stakes are really high. We want to see it be an
orderly process. We don't want to see people put in situations where they're in
additional danger. Right when Title forty two is in effect at its height,
people were being exploited and put in extremely dangerous situations when they were forced to
wait on the Mexico side of the border. And so we also want to
see a coordinated, efficient border process. I don't think that means turning people
away. People have a the United States has a legal right or a legal
obligation, sorry internationally, to have an asylum process. I think people deserve
the right to make their claim right, and if they don't, and if
they have the resources to make a strong claim and they don't pass, and
I think, you know, it makes sense to have processes for who gets
in and who doesn't based on their claim. But right now what we're seeing
is just a big effort to undermine and to remove the United States legal responsibility
to provide asylum. Well, sure, there are those who think hell,
I mean, you know, why should we take care of the world.
There are others who say this how the country was founded. You have that
die cotomy no matter what. And I don't want to make a political foo
pit here, but I'm going to ask you straight up. Do you think
both parties have some right and some wrong? Do you think one is mostly
right one is mostly wrong? How do you feel about the political process?
I mean, right now with this White House supplemental that is being pushed,
which for folks that don't know the White House Supplemental, it's a budget bill,
but it includes funding for weapons for Israel and Ukraine. And the negotiation
that's being made is to essentially eliminate the United States responsibility to asylum, to
have asylum and increase mandatory detention, it increases funding for immigration reform. So
it's that trade off that's being made right now, and that is being led
with bipartisan efforts. So we have Republicans and Democrats who have decided to you
know, turn their back on immigrants and to make that choice in this historical
moment. So do you feel that's being done. Do you feel that's being
done because it's the popular thing to do and they're trying to get votes.
I mean, do you think that that basically people have a sentiment against immigration
in general? I actually don't. I think what I've seen in terms of
actual people, right outside of politicians and outside of the media, I think
people have really been wanting a solution, whether that's you know, like MARKT
sorry I have I have the hop in two minutes, but whether that's more
importantation or yeah, people want to see, you know, a passing citizenship,
like how our pools show that people support creating meaningful paths for people to
be here. Okay, So I think I do feel like the sentiment and
the ground shifting is happening more and in the media, and it's also happening
within the political spaces. But I think are making a really big miscalculation.
Now. By the way, I know you have to run, and I
told you I'll only have you a few minutes. I'd like to reserve the
right to call you back sometime because I think, no, no, I'm
serious. I think the discussion is important. I think we can do it
without being crazy. I don't know why the hell. By the way,
they won't rush the job thing. Every single migrant I talked to from especially
South America, they want to work. That's what they want to do.
They want to work, and I hear there are plenty of jobs. Thank
you for being here. I appreciate it, and thank you so much for
the space and opportunity to share. No, for sure, and we're gonna
we're gonna do more coming up. Thank you. All right. That was
interesting because I've always wondered, actually, to be honest with you, when
I read this news release, Mark, what I thought was, what the
hell rights is she talking about? What we what do we mean? But
there are actually documented I mean, we have for one hundred years or more
told people, if you need asylum, this is the place to come.
And we haven't turned people way now, We've never had ten and twenty thousand
people a day. Either it's it's really scary. It's really scary. We
have more coming right up. Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
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with Remax Alliance three oh three nine two zero sixteen twenty two. You're six
thirty k how and iHeartRadio station. Hi, Tom Martine here three O three
seven one three talk seven one three eight through five to five. Phil.
I know you called earlier. I didn't get a chance to get to you,
man, what's going on? I had to let you go. My
wife kind of fell off the treadmill and I had cavers. I hope she's
okay, Yeah, she's all right. Hey. Well, for one thing
before I get started, I think Mark should be run for president and along
with Donald Trump, and Lauren Baldwin. I think that's her name, Laura
Lauren something. Yeah, you do. She's the one that gun on her
on her hip. Yeah yeah, yeah, okay, okay, yeah.
I think all three of them should be in there, and they l not
this country, right, God almighty? Can you imagine Mark being president?
Oh? No, vice president or something? Anyways, what I'm calling about
is ronnage, make America, hold on, make America major again. Anyway,
go ahead and make them make America great again. But anyways, that's
who's going to get in there is mister Trump is going to get back in
there at no. Actually, I'm going to tell you something, Phil,
I don't want to get politically well, I don't give a damn. I'm
we can have fun discussing this, but Trump will never be president again.
People hate Yes, Well, Mark, okay, you're right, I did.
I never believed you know, You're right, Mark, You're absolutely right.
I never believed he could be president. You're right. That's not because
I hate him or having I don't have Trump drange in cerm of I don't
now, but I don't think Mark, just based on what I'm seeing out
there, how he could ever be president again because people they're they're so crazy
about it. It's all political. Tom, all right, well of course
it is. It's political. Heny way, go ahead, sir, go
ahead. But anyways, what I'm calling about is my landline. It's a
phone company called Vonage. Yes, have you heard of them? Yeah.
Well, it's not really a landline, but it is. It's with your
WiFi. Yeah. Yeah, I have to have a landline for my wife.
But it's not a landline's it plugs into your Wi Fi. Your Vantage
is Wi Fi. But I know what you're saying. It's a regular phone
number. Go ahead, Yeah, I have to have the landline no matter
what. All right, all right, okay, you need a landline.
Although Vantage is not a landline, you'd have one. Go ahead, tell
me about it. It's not oh okay, but it sounds no, it
acts like one. Let's I don't want to give you a hard time,
Phil, it acts like one, so go ahead, okay, okay,
Well we have to have that because she's on lifeline. My wife doesn't walk
very well. She scribbled, and I I to take care of the best
I can. But anyways, I called them two months ago to change my
plan and it was like fourteen dollars and some sense per month. Okay.
So I got a bill last month and a bill this month for thirty seven
dollars, and I called them and I talked to somebody in India, which
I could hardly understand. And so let me ask you something Bill. Without
going through all of this, let me just ask you a couple of things.
How long have you had vantage? About six years? Okay? And
what have you been paying most recently before this? What have you been paying
about twenty six dollars a month? Okay? Then why did you change it?
What was the original reason for wanting to change it? The reason I
called it because my bonage bill went up to forty two dollars? Oh,
I get it, I get it. It went from twenty six. Why
did it go up? Phil? They said taxes and this and that,
bad, bad, bad, okay? So then what it went up to
forty two? Then what then you called him? And now how much I
called them? I called him an end of October, and I said,
I need a different plan. Okay? What plan did they get? I
want the cheapest plan I can get. Okay? What did you get?
Okay? So it was like fourteen ninety something a month and I said,
that's fine, it's like four hundred minutes. I get it. So then
what happened? Yeah? So then last month I was charged thirty seven?
Okay, why that's I was trying to talk to the guy from India and
he said, because of taxes, Well, can you send a copy of
your bill to us? I could? Yes, all right, here's what
I want you to do. Put him on hold for a second and tell
him this, Kelly, please, because we can. I don't mind helping
him out. He's been he's been listening for a long time. Here's what
I want to do. I want him to give us a couple old bills
and the latest bill. That's all I need. I want one that was
at about thirty seven. I want the one that was in the forties,
and the and then I want the one. No, he had won at
like twenty six, then one in the forties. Now I want him to
send me the one that was thirty seven. Just send those to us,
and uh that I'll take a look at him for you. I will three
oh three seven one, three eight two five five. I really will take
a look at him. Okay, now let's move on, Connie. What
is your issue with Wyatt's Connie is to say illegally towed a vehicle I had
just given to my grandsons that was their papas And I got a registered letter
saying that they told it had I gave it to him on a weekend on
the twenty seventh of last month. So I called Park County before wait a
minute, you got to you got to help me out here with this,
with the chronology. What you need. Yeah, you said something about you
gave this vehicle to your kids. I gave it to my grandson. It
was their papa's. He's passed away, because I get it. So when
you gave it, when you gave it to your grandson, uh huh,
it was it titled and everything. And when you say you gave it to
him, did he take it home? I'm going to tell you what he
did. I have the title and the rate's so registered. I wrote out
a you know, like a bill of sale, except I wrote on there
what Park County told me I could do that I gifted it to him.
I wrote the ven number of the date we both signed it, and that
was on a Saturday. Because their truck got stolen out of that parking lot
three weeks. Okay, so it was it was on a Saturday. Where
was it when you gave it away? Did like? Where was it when
it was told water I'm going to tell you Waterfront apartment ten five five five
West, Jules. Okay, okay, Waterfront apartments. Do you live at
Waterfront? No? I live in Bailey, Colorado. Okay, do they
do? They live in Waterfront? They did, They've moved out and they're
staying in my Airbnb right now. Okay, when you gave the car,
if the car was towed from Waterfront? Was the car the car or the
truck, whatever it was, was it there when it was Toad? Yes?
Okay, Now was it toad? Because Waterfront called Wyatt's. They're saying,
well, they never notified my grandsons that they did. And I want
to tell you about why it was still in my name because I called my
insurance company. Okay, So here's here's Connie. I know what you're going
You're saying that it was Toad because they said it didn't belong to anyone there,
and you're saying it did belong to the grand son, but the grandson
it wasn't shown yet. So when they did, when they searched the plate.
It showed someone in Baily, Colorado. Is that right? Yes,
I've learned it since it was new. Okay, I get it. So
that's why they towed it because it looks like it was parked there illegally.
I don't think. I don't think a tow truck driver can run a plate
and figure out who it's registered to. They it had to be something.
Hold on, let's come back and try to figure it out. Well,
we'll try to figure it out. Three all three seven one, three eight
two five five. Go with a sure thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Wait time for an
insurance checkup free, no obligation. In comparison, call Compass Insurance paying too
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to seven to one. Help You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to listen your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Hey Tom Martino, here,
Connie. Here's what it sounds like to me. Okay, I want
to recap this. Wyatt's towed a vehicle from Waterfront Apartments where your grand grandson
lived. You had given the you had given the vehicle to your grandson.
But apparently, this is what I'm thinking, the apartment complex did not know
who owned the vehicle. Is that right? Well, let me tell you
this. I gave it to him on the night of the twenty seventh.
They said they towed it on the twenty ninth. That's not true. They
had their own Their truck was selling out of that parking lot three weeks earlier,
so they needed a vehicle, and so I guess, Connie, Connie,
that part doesn't matter. Here's what matters. Okay, here's what matters.
What matters is not who owned the vehicle, but if the vehicle is
registered with the apartment complex. So did your grandson when he got the vehicle,
no matter what it was, a year earlier, a week earlier,
a day earlier, did your grandson go to management and register that vehicle with
them? Well, this is the clarity on that they got it on the
night of the twenty seventh, So management company wasn't available at that time,
and they towed it that night. Oh, the very first night they got
it. I get no, I see, I see your dilemma. So
so the night true that Connie hold on, the night that they got Connie,
you're saying that the very first evening that they had the vehicle, the
very first time in their life that they had it, or they I say,
they it's your grandson, right, is your grandson? Yes? Your
grandson parked? Is it a truck, it's a trooper. It's okay,
your grandson parked. Can you say anything without ten thousand words? I just
want to know they parked the suv in that parking lot that night, and
that very night, the very first night it was parked there, it was
towed. That's correct. Okay. Now, Connie, what you're saying is
it was clearly his vehicle and he was going to go to management the next
day and he was going to get the tag or whatever he needed for that
vehicle. Okay, his previous vehicle was stolen. How do people know?
This is what I need to know. When the toe company or the manager
or whoever patrols the lot, how do they know which vehicles belong there and
which vehicles do not? That would be a question for waterfron apartments. Because
my grandson literally went across the street to get a bike and as he comes
back after getting the vehicle, he sees it being droven down the road to
company. No, I get it, but because here Connie, and I
think, even though you're upset and Listen, I'm no great lover of why
it's towing. They got in trouble for some stuff. But I have to
say something. But Connie, on the surface, this is what it looks
like. Listen, Wyatts was hanging out probably or somebody watching the parking lot.
Okay, it looks like somebody parked their truck in that parking lot and
then walked across the street to a restaurant. It looks like that truck should
have been towed, or the suv. It looks like someone tried to park
there when they went to go eat. I'm not taking up for why it's
at all. They're crooked as they can be. I mean, I'm not
taking up for whyts Can you acknowledge Connie, that if no one knew about
you, your husband, your grant, the grandfather, the truck, if
no one knew any of that and they saw someone pull into that parking lot,
park the suv and walk across the street that they could assume without being
crooked, they could assume that somebody is illegally parked in there to go eat.
Could that happen? Well, I would say anything had happened. But
this is if my car was abandoned. I can tell you my insurance company
at thirty five years American family told me they would have towed it. I
have towing insurance. It was not abandon Connie, Connie, Connie, You're
missing the entire point. What I want to know is how was Wyatts or
the apartment management? How were they supposed to know anything about that vehicle other
than someone parked it there and went across the street to eat. How would
they know any of the other circumstances. It was late in the evening.
How would there be anybody available? That's my question. They just come up
and towed it. Connie, did you hear what I asked? You wanted
to know? How would they know it was parked their legally? That's right.
Somebody just parked it and then went off. Yeah, how would they
know? What's my recourse with this? Tom? Okay? I I don't
know. That's why I'm trying to figure this out. I found it.
I'm asking you, but you can certainly see where when when they hang out
waiting to toe cars, that is an easy target when someone parks the thing
there and goes across the street. I mean it looked. I mean even
if your kid went into the apartment, it would look better than going across
the street. When when you what mark signs all over the parking lot,
it says permitted cars only if it didn't have a permit or wasn't registered.
However they did it. The tow truck company is told by the apartment compplex
to toe it. I don't think this is a Wyatts issue. This is
a apartment complex issue. They simply tell Wyatt's or whatever tow truck company apartment
complexes uses what to do. This isn't a Wyatts issue, It's an apartment
complex issue. Hold on, we'll come right back to Connie. I don't
know if we can help you. I don't know what your recourse is.
Did you get the vehicle back? I need to know that. Did you
get it back? I don't have it back? And these boys can't afford
these bills are ridiculous in there, how much is it to get it out?
Right? Now? How much is it to get it out? Well?
They I finally got a registered letter, so I even knew who took
Connie? How much to get it out? Uh, it looks like it's
two twenty eight oh one. It says for m pound fifteen oh nine per
miles, so four thirty three per mile? And then the admin see,
we got a secret to tell you after this. All right, okay,
now that's why it what's the total? Connie? Can you say the total
without giving me an essay? They said, I'm sorry, Tom, They
said four to twenty plus. Uh, impollent fees. All right, hold
on, just hold on, and I think we have good news. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance checkup free, no obligation
comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three all three seven to seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three O three seven one three talks.
Okay, so really quickly, we're still doing the fourteen dollars membership, Hannah,
and that is incredible. We got to just get this word out.
It is. It is fourteen dollars a month. You get four visits every
year for every system, four free on the house. Utilis twenty nine ninety
five fourteen four your viewers fourteen dollars for the first fourteen a month, and
they won't take it back because for the entire year. You don't have to
renew if you don't want to, but you will priority pricing, priority appointments,
and every penny is banked, so if you need a replacement, they
that money goes toward it. Seven two zero five two six thirty nine thirty
nine. By the way, Connie, tomorrow, we need this discussion tomorrow.
Connie, hang on