WEBVTT

1
00:00:00.640 --> 00:00:17.079
Yea ripped off. You don't have
run as fast as we can. Shooter's

2
00:00:17.160 --> 00:00:24.399
gonna help. Come man, This
is the Troubleshooter Show now, Tom Martinez,

3
00:00:24.800 --> 00:00:27.039
Welcome, Welcome to the show,
the only show of it's kind.

4
00:00:27.120 --> 00:00:31.440
We're here to solve problems, answer
questions, take complaints. Our goal,

5
00:00:31.679 --> 00:00:35.600
and I mean this, our goal
in life is to make your life just

6
00:00:35.719 --> 00:00:38.679
a little bit better. You've been
ripped off for taking advantage of this,

7
00:00:38.880 --> 00:00:42.119
My friend, is the show for
you and I love car Day. We've

8
00:00:42.159 --> 00:00:46.600
got some great people with us today. We got Kevin Cokin Shared in Auto

9
00:00:46.640 --> 00:00:51.000
Tech. Welcome, sir sis.
How's life going over at Shared in Auto

10
00:00:51.039 --> 00:00:53.439
Tech? That maings good, It
maks good. Yeah, you guys staying

11
00:00:53.520 --> 00:00:56.320
busy. It is a busy time
of year. You know it can be.

12
00:00:56.359 --> 00:00:59.719
But the nice weather people are deciding
to take off and not bring their

13
00:00:59.719 --> 00:01:03.079
car. Well, that's not good
going for cruises in. We don't like

14
00:01:03.159 --> 00:01:07.280
that. Kelly's running late on my
screen today she was in here. I'm

15
00:01:07.280 --> 00:01:11.680
gonna pull Kelly. I don't care
if his computer's working or not. I

16
00:01:11.760 --> 00:01:17.120
need my call screener up. Next
time. People said yesterday, I had

17
00:01:17.120 --> 00:01:19.159
a couple of people say, Kevin, you were listening. I was because

18
00:01:19.159 --> 00:01:23.799
you texted me. You went something
like, thank god, I've never called

19
00:01:23.840 --> 00:01:29.319
you Tom or something like that.
One guy on Okay, So I want

20
00:01:29.319 --> 00:01:32.359
to ask you guys something. By
the way, Jeff Fic Kimra transmission,

21
00:01:32.439 --> 00:01:38.439
welcome sir, Thank you, Jesse
Schulinger, honest, accurate, Colorado Springs,

22
00:01:38.480 --> 00:01:41.640
two locations up there. You guys
have been with us long time now.

23
00:01:41.719 --> 00:01:44.760
Oh yeah, house biz up in
the Springs. Wonderful. Yeah,

24
00:01:44.760 --> 00:01:48.359
we're staying busy down there, nice
and busy. Absolutely. So I had

25
00:01:48.359 --> 00:01:52.159
this lady. Look, you guys
know me on and off the air quite

26
00:01:52.159 --> 00:01:56.280
frankly, and you know you can
ask Suzanne. I'm pretty much the same

27
00:01:56.359 --> 00:01:59.760
either way. It's not like I
got some persona. When I get on

28
00:01:59.799 --> 00:02:01.120
the air, I might be a
little louder, I might be try to

29
00:02:01.120 --> 00:02:06.079
be a little more entertaining. But
I had some guy or gal I don't

30
00:02:06.120 --> 00:02:07.560
even know it's YouTube. You know, they got a handle. I forget

31
00:02:07.599 --> 00:02:10.199
what the handle is. I think
it was dumb ass, something along those

32
00:02:10.240 --> 00:02:15.319
lines. But they said, man, he needs anger management. What do

33
00:02:15.360 --> 00:02:20.120
you guys think? Am I just
how would you how would you describe that?

34
00:02:20.280 --> 00:02:22.800
I wanted to ask you guys,
because I've known you guys. While

35
00:02:23.080 --> 00:02:27.560
I do get very upset when someone
ripped somebody off, We're gonna be talking

36
00:02:27.599 --> 00:02:31.120
about mister Appliance again because they left
us a message. And when I talk

37
00:02:31.199 --> 00:02:36.120
about him, for example, I
do get upset because he took sixty seven

38
00:02:36.199 --> 00:02:40.439
hundred dollars. According to the caller, sixty seven could not fix the Viking

39
00:02:42.240 --> 00:02:47.199
refrigerator sixty seven hundred dollars nine attempts. You guys ever had a car brought

40
00:02:47.240 --> 00:02:52.759
back to you nine times for the
same problem? Ever, No. Nine

41
00:02:52.840 --> 00:02:57.680
is insane, and they charged the
guy sixty seven hundred bucks. Then they

42
00:02:57.719 --> 00:03:01.199
ghost him. He had to have
another company come out and basically fix it.

43
00:03:01.280 --> 00:03:07.039
So it's crazy. But let's let's
get let's we'll dive back into that

44
00:03:07.080 --> 00:03:09.240
in a little bit. Go back
to my question. How would you describe

45
00:03:09.240 --> 00:03:12.680
it? You guys see me here. It's not like just hearing me on

46
00:03:12.719 --> 00:03:15.080
the radio. There's no doubt I
get angry at company sometime, but I'm

47
00:03:15.080 --> 00:03:19.400
talking in general. Please, Well, I'm afraid you're gonna blow a gasket

48
00:03:19.400 --> 00:03:21.800
every once in a while. Well
you mean like have a heart attack,

49
00:03:21.919 --> 00:03:25.080
Yeah, exactly, like Can you
imagine if my heart just shot out of

50
00:03:25.159 --> 00:03:31.400
my chest? Okay, I like
that passion, Jeff. I just don't

51
00:03:31.439 --> 00:03:35.599
say they think they can see the
bulging eyes on YouTube. It just doesn't

52
00:03:35.599 --> 00:03:42.639
project across the Oh Lord, have
mercy. Okay, folks three oh three

53
00:03:42.719 --> 00:03:46.759
seven one three A two five five. I'll let you know when in open

54
00:03:46.840 --> 00:03:50.319
lines here we are going to talk
about mister Appliance. Uh they called and

55
00:03:50.439 --> 00:03:53.479
left a message. If you asked
me, in my opinion, uh,

56
00:03:53.560 --> 00:03:55.960
this company sucks. I would never
use them. Now I need to say

57
00:03:57.000 --> 00:04:00.919
this. It's mister Appliance of Parker
and I believe Aurora. And I've got

58
00:04:00.919 --> 00:04:04.479
the owner's name, Kenneth Hudson,
and I'm not sure where he lives,

59
00:04:04.520 --> 00:04:08.719
but I looked up all his info
in the Secretary of State. I have

60
00:04:08.879 --> 00:04:12.639
verified he's the owner, at least
according to the Secretary of State. And

61
00:04:12.719 --> 00:04:17.040
if anybody out there knows any information
on Kenneth Hudson, who just simply refuses

62
00:04:17.120 --> 00:04:23.199
to call one of his customers back, his technicians can't fix anything. Probably

63
00:04:23.319 --> 00:04:27.240
the worst company I have ever heard
of when it comes to repair. Think

64
00:04:27.279 --> 00:04:30.439
of this nine times, and I'm
going to get that caller back on just

65
00:04:30.480 --> 00:04:34.079
so people that didn't hear the story
can hear it again. Then they start

66
00:04:34.160 --> 00:04:38.319
ghosting you, and I'm going to
ask these guys one more time. Nine

67
00:04:38.399 --> 00:04:44.040
times can you think of any circumstance
in any service that would be nine times?

68
00:04:45.399 --> 00:04:46.519
At the certain point, you just
got to give them their money back

69
00:04:46.519 --> 00:04:49.480
and let the next guy work out. You gotta do charge each time,

70
00:04:49.600 --> 00:04:53.920
or was there one charge? And
then this is great. So I actually

71
00:04:53.959 --> 00:04:56.920
got all the invoices from the guy
the other day and I'm going to go

72
00:04:57.000 --> 00:05:02.279
through them. They they charged him
like for something, and so okay,

73
00:05:02.319 --> 00:05:05.759
I'm going to tell you right now, here's what happens. The original invoice

74
00:05:05.759 --> 00:05:10.600
says, customer says making noise.
They come out and they sell them a

75
00:05:10.639 --> 00:05:15.120
fan. They leave customer. The
next invoice, customer says, still making

76
00:05:15.199 --> 00:05:19.079
noise, They come out, they
sell them something else. Then it says

77
00:05:19.160 --> 00:05:23.839
customer says, still making noise,
and they come out and they sell them

78
00:05:23.839 --> 00:05:28.639
a five thousand dollars compressor or something. Then after the compressor, two or

79
00:05:28.680 --> 00:05:31.360
three fans and other stuff. The
next invoice, guess what, it says,

80
00:05:32.000 --> 00:05:36.120
customer stays still making noise. So
then they come out and at this

81
00:05:36.279 --> 00:05:40.639
point, the guy pulls the Viking. You ever seen these built ins,

82
00:05:41.199 --> 00:05:44.199
so they're not like the one I
got at home. You just pull out.

83
00:05:44.560 --> 00:05:46.399
I mean, this thing's built in. He like unscrews it from the

84
00:05:46.439 --> 00:05:49.800
wall and everything, pulls it out
and gets to it from the back,

85
00:05:49.839 --> 00:05:55.399
which you're never supposed to do,
according to Viking. So he sells them

86
00:05:55.439 --> 00:06:00.480
another fan or two, and then
at that point nothing's working. So at

87
00:06:00.519 --> 00:06:02.360
this point he's got to have her
fridge. His wife is Olay's about to

88
00:06:02.439 --> 00:06:05.759
kill him. So that's what he
does. He calls another company out.

89
00:06:06.040 --> 00:06:10.720
They say nothing this guy did was
right, nothing, nothing at all.

90
00:06:11.160 --> 00:06:15.160
So they already took the compressor,
so he can't even get the compressor back.

91
00:06:15.399 --> 00:06:17.360
He drove down there, according to
the caller, couldn't even get the

92
00:06:17.399 --> 00:06:21.279
compressor back. But the bottom line
is this, they did nothing right.

93
00:06:21.600 --> 00:06:27.240
They never fixed it. It never
worked ever again. At the beginning,

94
00:06:27.399 --> 00:06:30.759
arguably it had a noise. By
the time mister Appliance at Parker was done,

95
00:06:30.800 --> 00:06:33.360
there was other problems. Oh there
was no noise though, yeah.

96
00:06:33.439 --> 00:06:38.519
So he ends up spending four or
five grand, four or five grand with

97
00:06:38.639 --> 00:06:42.040
this other company. Then he tries
to get the money back from mister appliance.

98
00:06:42.040 --> 00:06:45.959
They're totally ghosting them. We're gonna
give their phone number out and hopefully

99
00:06:46.120 --> 00:06:48.680
we can get through to them.
But Kelly, since I already went down

100
00:06:48.680 --> 00:06:51.240
this road, Oh she's on the
phone, let me jump over to David.

101
00:06:51.319 --> 00:06:59.439
David, what is going on?
Yeah, I had an identity sessed

102
00:06:59.519 --> 00:07:06.000
in their November, and most of
everything got solved in terms of my various

103
00:07:06.439 --> 00:07:12.279
accounts and stuff. But hey,
David, for everybody listening, kind of

104
00:07:12.279 --> 00:07:15.839
clue us in on how it happened. How did they steal your identity and

105
00:07:15.879 --> 00:07:20.319
what did they do with it?
Well? I woke up on a Sunday

106
00:07:20.360 --> 00:07:27.279
morning and I couldn't get into my
email. The password had been changed,

107
00:07:28.560 --> 00:07:38.319
my secondary email address had been deleted
from the account. My phone number was

108
00:07:38.399 --> 00:07:42.920
not mine anymore. Did they go
through your emails and find stuff like your

109
00:07:42.959 --> 00:07:46.439
social security or banking accounts? What
did they do once they were inside of

110
00:07:46.480 --> 00:07:55.040
your email besides lock you out?
Well, they definitely blocked me out and

111
00:07:55.079 --> 00:08:00.519
I never got those accounts back.
But I don't know if they got my

112
00:08:00.600 --> 00:08:05.360
social Security number. But they tried
to open accounts, but my credit was

113
00:08:05.399 --> 00:08:09.160
frozen. The credit Oh you froze
your credit. Listen. I want everybody

114
00:08:09.199 --> 00:08:13.759
out there to listen. And as
this is a learning experience, it is

115
00:08:13.800 --> 00:08:16.920
so important to freeze your credit.
Don't pay for it either, it's one

116
00:08:16.000 --> 00:08:20.920
hundred percent for free. You got
to freeze it on each one of them.

117
00:08:20.040 --> 00:08:24.879
Now there's services out there you can
spend a little bit, either per

118
00:08:24.959 --> 00:08:28.680
year or per month where you can
go to one site and do all three

119
00:08:28.680 --> 00:08:30.879
of them. But I don't do
that. I do the freebie. I

120
00:08:30.920 --> 00:08:33.440
go to TransUnion, I go to
whatever the other two are. I just

121
00:08:33.480 --> 00:08:37.919
simply don't remember right off hand,
and you just simply type in like TransUnion

122
00:08:39.000 --> 00:08:41.840
credit freeze and it'll bring you right
there and just freeze it the only time

123
00:08:41.840 --> 00:08:45.879
you should ever open it. Like
we bought a car Sho's in and I

124
00:08:46.000 --> 00:08:48.519
a couple of weeks ago, and
I asked them, I said, which

125
00:08:48.679 --> 00:08:52.559
which one do you guys check?
And they said, we checked TransUnion.

126
00:08:52.840 --> 00:08:54.679
So I went on there, I
unlocked it. They pulled my credit and

127
00:08:54.720 --> 00:08:58.879
I locked it back. But for
everybody out there, that's so important,

128
00:08:58.080 --> 00:09:01.919
so keep going day. But they
broke into your email, they tried to

129
00:09:01.000 --> 00:09:05.919
open credit card accounts. What's going
on now? Well, you know,

130
00:09:07.120 --> 00:09:13.879
they had gotten my credit card information
and they had probably looked at, you

131
00:09:13.919 --> 00:09:18.799
know, stuff that I had done
in the past. And I made two

132
00:09:18.600 --> 00:09:24.600
winning bets with fan duel. Oh, oh my god, did they get

133
00:09:24.639 --> 00:09:31.279
into your FanDuel account? So they
got into my fandual account they made Now,

134
00:09:31.320 --> 00:09:33.320
look, I got to ask you
something though, because there's a ton

135
00:09:33.360 --> 00:09:37.840
of people listening right now that have
a FanDuel. I don't know if it's

136
00:09:37.840 --> 00:09:41.120
because the way I set mine up, but anytime I go into FanDuel,

137
00:09:41.159 --> 00:09:45.120
and I only do it on my
phone. When I go in there,

138
00:09:45.480 --> 00:09:50.639
it sends me a text and I
have to enter in that secondary authentication or

139
00:09:50.679 --> 00:09:56.679
I can't get in. So how
did they get into your FanDuel? Well

140
00:09:56.759 --> 00:10:01.200
that I have no idea. He
probably didn't have second can party, all

141
00:10:01.279 --> 00:10:03.639
right, So they got into there. Did they cash out? What did

142
00:10:03.639 --> 00:10:09.759
they do inside your FanDuel? Well, they did cash out. Why they

143
00:10:09.759 --> 00:10:13.519
didn't bet on the forty nine ers. I don't know what they bet on,

144
00:10:15.399 --> 00:10:22.879
but four hundred and fifty dollars total
loss on capital I credit card and

145
00:10:22.279 --> 00:10:30.879
I disputed it. Well, you
know, the cap whatever FanDuel's casino is,

146
00:10:30.919 --> 00:10:37.039
it controls that company basically did an
investigation and they denied my claim.

147
00:10:37.240 --> 00:10:39.759
I'm dying to know why they denied
it. But hold on, I got

148
00:10:39.759 --> 00:10:43.200
to take this break. I'm up
against this. I'm going to come right

149
00:10:43.240 --> 00:10:46.240
back to you and let's figure out
why they denied it. If someone stole

150
00:10:46.279 --> 00:10:52.919
your credit card information and didn't have
the card present and you actually didn't make

151
00:10:52.000 --> 00:10:56.399
it and it didn't come from your
IP address, I'm not understanding why that

152
00:10:56.559 --> 00:11:00.799
happened. Let's try to figure it
out after this. And by the way,

153
00:11:00.840 --> 00:11:03.559
we got a lot of stuff cooking
the day. We've got someone who

154
00:11:03.600 --> 00:11:07.639
wants to talk about Frank Duran,
and then Tony's got a problem with roof

155
00:11:07.720 --> 00:11:16.440
damage, and then whomever Kelly's talking
to online. Two hold on, go

156
00:11:16.600 --> 00:11:20.840
with a sure thing Denver's Best Roofer
Excel roofing dot com. You don't pay

157
00:11:20.840 --> 00:11:28.639
a cent until you're content. Time
for an insurance check up free, no

158
00:11:28.720 --> 00:11:33.639
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

159
00:11:33.639 --> 00:11:35.799
of insurance companies. Find out now
three O three, seven to seven to

160
00:11:35.799 --> 00:11:39.519
one help. You'll think you're his
only customer when you choose Frank durand the

161
00:11:39.600 --> 00:11:45.159
real estate man dot com to list
your home with Remax Alliance three oh three

162
00:11:45.240 --> 00:11:50.720
nine two zero sixteen twenty two all
right three zero three seven one three eight

163
00:11:50.799 --> 00:11:54.360
two five five one line open.
You've been ripped off taking advantage of you

164
00:11:54.480 --> 00:11:58.000
got any problem? You need some
help, That's what we do. If

165
00:11:58.000 --> 00:12:01.679
you're new to the show, we
got had a list of people at referral

166
00:12:01.720 --> 00:12:05.360
lists dot com. In fact,
the guys in studio with me, Kevin,

167
00:12:05.480 --> 00:12:09.080
Jeff Jesse. These guys are part
of our referral list and they're all

168
00:12:09.159 --> 00:12:11.360
under the Automotive. On Fridays,
we try to do a lot of car

169
00:12:11.480 --> 00:12:16.120
questions. So you have any questions
relating to cars, whether it's purchasing,

170
00:12:16.440 --> 00:12:20.840
repairing, pretty much anything you can
imagine, these guys can help you out

171
00:12:20.879 --> 00:12:26.919
with. Now I want to get
back to where you know, Dwayne or

172
00:12:26.960 --> 00:12:30.559
I'm sorry, David is going with
this story. So, David, they

173
00:12:30.639 --> 00:12:35.519
use your Capital one card? Did
they stole your identity by breaking into your

174
00:12:35.600 --> 00:12:39.919
email? They went through your email, they figured out enough information This credit

175
00:12:39.000 --> 00:12:43.960
cards you're talking about, was it
one of an existing credit cards that you

176
00:12:43.080 --> 00:12:48.080
had or was it a credit card
they used your identity to open with Capital

177
00:12:48.120 --> 00:12:52.759
one? Yeah, they weren't able
to do that because of the whole credit

178
00:12:52.799 --> 00:12:58.279
freeze. So they basically were into
all of my accounts, bank account to

179
00:12:58.360 --> 00:13:03.519
everything. Yeah and you know so, but you said you got every You

180
00:13:03.559 --> 00:13:07.639
said you got everything handled. Then
you mentioned fan duel in like four hundred

181
00:13:07.639 --> 00:13:11.519
dollars on a credit card. So
let's pick fan duel real quick. Did

182
00:13:11.519 --> 00:13:16.799
they steal anything from your fan duel
account? Well, you know, there

183
00:13:16.919 --> 00:13:22.600
wasn't anything in the fan dual account. I made two buffs bets in the

184
00:13:22.639 --> 00:13:26.320
fall that paid off, and that's
all my life. I would not sports

185
00:13:26.360 --> 00:13:31.600
gamble anymore because I recognized I could
be a big hole for me. So

186
00:13:33.120 --> 00:13:39.519
what happened was, you know,
they must have seen that I had done

187
00:13:39.679 --> 00:13:43.159
stuff with fan duel in my email, so they you know, got into

188
00:13:43.159 --> 00:13:48.720
my fan duel account and did what
and don't ever have don't ever have a

189
00:13:48.759 --> 00:13:52.720
lot of duplicate passage? Yeah,
I get it, but y'all good point,

190
00:13:52.799 --> 00:13:54.320
David, Actually, good point.
But David, what did they do

191
00:13:54.440 --> 00:13:58.720
in the fan duel? They did
a series, They did a series of

192
00:13:58.799 --> 00:14:03.080
small ten dollars. How did they
do that? So you had money sitting

193
00:14:03.120 --> 00:14:09.639
in your account? No, my
account was I think linked to one of

194
00:14:09.679 --> 00:14:16.039
my other accounts, because so they
hold on, David, they actually deposited

195
00:14:16.120 --> 00:14:22.080
from one of your checking accounts or
a credit card or something into FanDuel using

196
00:14:22.120 --> 00:14:26.440
your account though that you already had
set up. Yeah, I had a

197
00:14:26.480 --> 00:14:30.720
savings account in Capital one. All
of those were in one place. Okay,

198
00:14:30.840 --> 00:14:33.919
so hold on, please, I
get it. So they actually deposited

199
00:14:35.159 --> 00:14:39.639
money into your FanDuel account. What
did they do with it? Besides make

200
00:14:39.679 --> 00:14:45.919
ten dollars bets? They took the
money and ran. I don't know how

201
00:14:45.960 --> 00:14:50.000
did they take That's where I'm trying
to figure out. How did they take

202
00:14:50.039 --> 00:14:54.639
the money out of FanDuel? I
am not sure, but it's not easy.

203
00:14:54.919 --> 00:15:03.200
No, go ahead, Well,
I I assume they know set up

204
00:15:03.240 --> 00:15:07.919
some kind of account to or changed, you know, account information connected with

205
00:15:09.080 --> 00:15:16.000
fan duel in some way. The
bottom line is I when the when?

206
00:15:16.559 --> 00:15:24.399
When Capital once said, the documents
we got from the merchant show this is

207
00:15:24.440 --> 00:15:28.039
a valid transaction. Of course,
it was a valid transaction. It was

208
00:15:28.519 --> 00:15:31.559
in my name on my account.
So that's the hold on. I want

209
00:15:31.559 --> 00:15:37.799
to understand this. But that's the
four hundred and fifty dollars. That's correct,

210
00:15:37.879 --> 00:15:41.840
and it was all made up of
ten twenty five. They broke in

211
00:15:41.000 --> 00:15:46.679
hold on, they got into your
fan Duel account. They deposited four hundred

212
00:15:46.679 --> 00:15:52.519
and fifty roughly from one of your
credit cards or your savings account right into

213
00:15:52.639 --> 00:16:00.799
your fan Dual account. Correct,
Then what did they do? Then?

214
00:16:00.360 --> 00:16:04.960
You know they I'm sure they must
have changed because I never got back into

215
00:16:06.000 --> 00:16:10.879
that FanDuel account. I'm sure they
must have changed the you know, the

216
00:16:11.039 --> 00:16:15.919
connection of where to take their credit
or outside of fan Duel. I have

217
00:16:15.080 --> 00:16:19.120
never set up I have not set
up a bank account with fan Duel.

218
00:16:19.720 --> 00:16:23.639
So I don't know the answer.
But I've got to ask you something.

219
00:16:25.080 --> 00:16:29.039
And I do not mean, I
do not mean to poke in pride,

220
00:16:29.039 --> 00:16:32.639
but you've said a couple things that
I do want to question on. And

221
00:16:32.679 --> 00:16:36.519
remember you're just you know, we're
just talking, man, So be straight

222
00:16:36.639 --> 00:16:40.240
with me. I have no problem
with you asking me questions. Okay,

223
00:16:40.799 --> 00:16:45.080
such a little understanding of how all
this is? Yeah, is it possible,

224
00:16:45.279 --> 00:16:49.440
just possible that you were gambling this
money and you lost it? And

225
00:16:49.600 --> 00:16:56.600
this is a great story to tell
the wife. No. No, In

226
00:16:56.679 --> 00:17:02.399
fact, I will tell you this. There were probably a dozen people that

227
00:17:02.480 --> 00:17:06.920
I shared my identity theft within forty
eight hours. What do you mean shared

228
00:17:06.960 --> 00:17:10.119
it together with? Oh, you
mean that it happened. I've had my

229
00:17:10.240 --> 00:17:18.119
identity stolen and I didn't have access
as of November fifth, I guess it

230
00:17:18.279 --> 00:17:22.599
was I didn't have access to anything
to fandom. So the only thing,

231
00:17:22.880 --> 00:17:30.279
the only thing that basically is hanging
out there is Capital One will not give

232
00:17:30.319 --> 00:17:34.000
you that four hundred and fifty back. Yeah, and let me let me

233
00:17:34.039 --> 00:17:37.759
tell you what I tried to do
with that yesterday. Yep, I decided,

234
00:17:37.799 --> 00:17:41.720
you know that. I called them
and I said, can I appeal

235
00:17:41.839 --> 00:17:45.559
this? And they said no.
So what I tried to do yesterday was

236
00:17:47.799 --> 00:17:53.839
research of small claims court case against
Capital One, because I know big corporations

237
00:17:53.880 --> 00:18:00.440
often won't send an attorney to something
like that. Yes, automatically, there's

238
00:18:00.480 --> 00:18:04.480
a lot of truth to that.
There's definitely a lot of truth to that.

239
00:18:06.160 --> 00:18:08.119
I okay, I'm going to give
you two things. I'm going to

240
00:18:08.160 --> 00:18:12.720
give you my real thoughts on this
one. Okay, I understand why they're

241
00:18:12.759 --> 00:18:19.519
not covering it. You It's not
like someone stole your credit card and used

242
00:18:19.559 --> 00:18:22.720
it. They would cover that.
I use Capital one cards. I got

243
00:18:22.720 --> 00:18:26.400
a spark card. I got a
venture X card. I got a Venture

244
00:18:26.480 --> 00:18:30.200
card, and I've never had any
problems when something legitimate has happened, they

245
00:18:30.240 --> 00:18:34.160
always just give me the credit back. No, I've had the same thing.

246
00:18:34.319 --> 00:18:41.160
But because because you already had that
account, and I still don't understand

247
00:18:41.200 --> 00:18:44.880
the Capital One part, because you
said it was linked to your checking account

248
00:18:45.160 --> 00:18:48.200
or your savings account. I think
is what you said. I think what

249
00:18:48.359 --> 00:18:55.720
it was linked to was the other
Capital One accounts. They got into all

250
00:18:55.759 --> 00:19:00.000
of them, so I had I
called one of a case stay where I

251
00:19:00.519 --> 00:19:04.160
kept. Okay, it doesn't matter. I'm still going to go back to

252
00:19:04.200 --> 00:19:08.480
what I'm saying. If someone gets
your debit card and goes to an ATM

253
00:19:08.839 --> 00:19:14.480
and they stole your pin number and
they withdraw cash from the night, so

254
00:19:14.519 --> 00:19:18.559
they break into your email, they
get your debit card somehow, just get

255
00:19:18.559 --> 00:19:21.720
it from your wallet, they break
into your house, whatever, They break

256
00:19:21.759 --> 00:19:23.880
into your email, figure out your
pin number, and go to an ATM

257
00:19:25.000 --> 00:19:27.039
use your pin number. They're not
going to do it. They're not going

258
00:19:27.079 --> 00:19:30.759
to give you your money back.
Not a bank in the world's going to

259
00:19:30.799 --> 00:19:33.440
do it, because it's really not
the bank's fault. The argument is it's

260
00:19:33.519 --> 00:19:37.240
your fault for letting it happen in
the first place. Now it's truly not

261
00:19:37.359 --> 00:19:41.920
your fault either. The who's fault
it is is the person that did it,

262
00:19:41.960 --> 00:19:45.559
the actual thief. But the problem
with these scams is you're never going

263
00:19:45.640 --> 00:19:48.960
to find that thief. So I
don't think the bank is liable, but

264
00:19:49.319 --> 00:19:56.599
secondary, I do believe if you
sue them in small claims court for the

265
00:19:56.680 --> 00:20:00.960
four hundred and fifty dollars, I
think you have a good chance of getting

266
00:20:02.039 --> 00:20:06.920
it. And here's why. It's
going to cost them more to just go

267
00:20:07.000 --> 00:20:11.359
through the mediation part with an attorney
showing up. Capital one's not going to

268
00:20:11.440 --> 00:20:15.319
send, you know, a local
banker. If there is a location here,

269
00:20:15.359 --> 00:20:18.519
and I do believe they do have
a bank location here, They're gonna

270
00:20:18.519 --> 00:20:22.200
have to hire an outside attorney.
They're gonna have to ask a small claims

271
00:20:22.200 --> 00:20:26.279
court to accept the fact there's going
to be an attorney there. It's going

272
00:20:26.359 --> 00:20:30.680
to cost them more than four hundred
and fifty dollars. So I do think

273
00:20:30.880 --> 00:20:33.680
you have a hell of a good
shot of getting that money. Okay,

274
00:20:33.720 --> 00:20:37.599
here's the problem. Go ahead.
When I was researching this yesterday, my

275
00:20:37.680 --> 00:20:41.000
god, we're gonna be on forever. What is the problem? Now,

276
00:20:41.160 --> 00:20:44.799
No, you're fine, No,
no, you're fine. I'm pointing out

277
00:20:44.839 --> 00:20:48.400
to I'm pointing out to some people
on YouTube that you know, they say,

278
00:20:48.400 --> 00:20:49.880
oh, you're on one call too
long and stuff. But anyhow,

279
00:20:49.920 --> 00:20:56.160
go ahead. What's the other problem? The secretary of State's Office had did

280
00:20:56.200 --> 00:21:00.319
not have Capital one Financial Corporate.
Yes, banks for different, Yeah,

281
00:21:00.359 --> 00:21:07.359
banks are different at Capital I Financial
Corp. And it had the agent registered

282
00:21:07.400 --> 00:21:11.319
agents. Yeah, it was the
one who would get the papers to well.

283
00:21:11.319 --> 00:21:12.920
I sued. Listen, listen,
I ran into this man, I

284
00:21:14.039 --> 00:21:17.920
ran into this I sued, well, I settled with them. So I'm

285
00:21:17.920 --> 00:21:21.400
not going to say the name.
But it's a major, major bank,

286
00:21:21.880 --> 00:21:26.200
huge all over the country. There's
one right around me here. They're everywhere,

287
00:21:26.400 --> 00:21:27.759
and I sued them. And after
this, I'm going to tell you

288
00:21:29.079 --> 00:21:33.119
how I did it because guess what, they didn't have an agency either.

289
00:21:33.319 --> 00:21:36.640
And I'm going to tell you exactly
why I sued this bank. I can't

290
00:21:36.680 --> 00:21:38.359
say their name, and I'm going
to tell you this. I got all

291
00:21:38.400 --> 00:21:41.759
the money and I'm going to tell
you how I did it, because you're

292
00:21:41.880 --> 00:21:52.880
right, they don't have a registered
agent. Banks are special hold on go

293
00:21:52.000 --> 00:21:56.240
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

294
00:21:56.279 --> 00:22:03.039
a cent until you're content. Time
for an insurance check up free, no

295
00:22:03.119 --> 00:22:08.039
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

296
00:22:08.039 --> 00:22:11.720
of insurance companies find out now three
all three seven to seven to one help.

297
00:22:11.920 --> 00:22:15.480
You'll think you're his only customer when
you choose Frank durand the real estate

298
00:22:15.519 --> 00:22:19.920
Man dot com to list your home
with Remax Alliance three oh three nine two

299
00:22:21.039 --> 00:22:30.440
zero sixteen twenty two all right,
three three seven one three A two five

300
00:22:30.559 --> 00:22:34.680
five. I was just thinking of
how lucky I am to have my wonderful

301
00:22:34.720 --> 00:22:38.200
wife and how she's kept me out
of trouble. And the reason I'm bringing

302
00:22:38.200 --> 00:22:41.960
that up is I did sue a
bank. And I'm not going to say

303
00:22:41.960 --> 00:22:45.759
what bank it was, but it's
a very large bank. And this goes

304
00:22:45.799 --> 00:22:49.400
to what uh, this goes to
what David's saying. So David, I'll

305
00:22:49.400 --> 00:22:52.039
bring you back up just for a
second a minute, and I'm going to

306
00:22:52.119 --> 00:22:56.440
tell you how to sue him.
But anytime I sell a car, I

307
00:22:56.480 --> 00:23:00.200
never trade cars in ever. What
I do is I make sure I got

308
00:23:00.200 --> 00:23:03.599
it paid off, have the title
in hand. I make sure I meet

309
00:23:03.640 --> 00:23:07.279
the person at their bank. When
we meet at their bank, here's what

310
00:23:07.319 --> 00:23:11.240
we do. Usually the cars I'm
selling are way over twenty grand, so

311
00:23:11.279 --> 00:23:14.200
I'm not going to I don't want
twenty grand in cash. So what I

312
00:23:14.279 --> 00:23:18.039
do is they get a cashiers check
and they draw it on the bank.

313
00:23:18.480 --> 00:23:25.039
If you get a cashiers check from
someone's personal account, they can actually cancel

314
00:23:25.079 --> 00:23:30.160
it. So I don't want cash. I want an actual bank cashiers check.

315
00:23:30.200 --> 00:23:33.920
Do you guys understand what I'm saying. So I'm at this particular bank

316
00:23:34.200 --> 00:23:37.240
and they say, no, we
can't do that. We can only give

317
00:23:37.279 --> 00:23:41.960
it to you off his account.
And I'm going why, I've never heard

318
00:23:41.039 --> 00:23:47.000
of that before. I said,
why can't he withdraw the cash without actually

319
00:23:47.079 --> 00:23:51.279
getting it? Then buy a cashiers
check from the bank a bank check to

320
00:23:51.359 --> 00:23:53.079
me? And they said, we
can't do it. And I'll tell you

321
00:23:53.119 --> 00:23:56.480
why. Because the guy was a
numskull. He had no idea what he

322
00:23:56.519 --> 00:24:00.960
was doing. He's a Saturday employee
at this big bank and he's just he's

323
00:24:00.000 --> 00:24:04.200
a turd man. The guy knew
nothing, So I finally said, because

324
00:24:04.240 --> 00:24:07.160
I knew This guy was honest buying
my car, at least I thought he

325
00:24:07.319 --> 00:24:11.599
was. I said, fine,
then I'll go ahead and take cash.

326
00:24:11.680 --> 00:24:15.400
He goes, we don't have twenty
five thousand in cash. Actually it was

327
00:24:15.440 --> 00:24:18.119
way more than this. This was
my GV. This was a Genesis G

328
00:24:18.279 --> 00:24:22.480
nine. He was like, fifty
grand, fifty grand, there's no way.

329
00:24:22.559 --> 00:24:26.440
At this point, I don't care. I'll take fifty grand and I'll

330
00:24:26.480 --> 00:24:30.039
drive over to my bank real quick
before it closes. He says, I

331
00:24:30.039 --> 00:24:33.400
don't have that cash. Let me
call around. So he calls around and

332
00:24:33.440 --> 00:24:37.200
says, I can go to another
branch about four miles away. They definitely

333
00:24:37.200 --> 00:24:40.440
have the cash and they'll cash it. I get over to the other branch,

334
00:24:40.640 --> 00:24:44.279
they won't cash the check. One
hundred percent won't cash it. Now,

335
00:24:44.480 --> 00:24:48.200
I gotta wait Sunday, and then
Monday happened to be a banking holiday.

336
00:24:48.519 --> 00:24:51.519
Meantime, this guy's got my car
and he lives in a different state,

337
00:24:51.799 --> 00:24:53.519
and I'm going, oh my god. Now I didn't think it would

338
00:24:53.559 --> 00:24:56.880
happen, But what could have happened? He could have called up because it

339
00:24:57.000 --> 00:25:00.799
was written on his account and say
it stolen, and they would kill that

340
00:25:00.960 --> 00:25:04.039
and it wouldn't go through. Now, bottom line is it did go through

341
00:25:04.079 --> 00:25:08.039
and I did get paid. But
I sued that bank. I sued him

342
00:25:08.079 --> 00:25:11.279
because I had to drive back and
forth and I know people are laughing right

343
00:25:11.279 --> 00:25:15.480
now, and I sued him for
the interest for four days on fifty thousand

344
00:25:15.519 --> 00:25:18.680
dollars. It wasn't a lot of
money. It was just to prove a

345
00:25:18.720 --> 00:25:22.880
point to these jerks that were running
me around like a Dann Hamster in the

346
00:25:22.880 --> 00:25:26.440
wheel. Here's the funny part,
though, I go to sue him,

347
00:25:26.519 --> 00:25:30.160
just like David did. Now,
David, I'm going to bring you back

348
00:25:30.240 --> 00:25:33.000
up. And I searched everywhere secretary
of state. There was nothing. So

349
00:25:33.039 --> 00:25:37.680
then I started googling how come banks
don't have a secretary of State? And

350
00:25:37.720 --> 00:25:40.640
sure enough, they don't have to. I don't know why. I never

351
00:25:40.920 --> 00:25:45.400
read a straight answer, but they
just simply don't have to. If they're

352
00:25:45.480 --> 00:25:49.440
national banks. If it's like a
bank in Colorado and Colorado only, or

353
00:25:49.519 --> 00:25:53.240
a small, small bank, totally
different thing. So here's what I did.

354
00:25:53.680 --> 00:25:57.359
I did not like the one guy
that wouldn't cash it. I didn't

355
00:25:57.440 --> 00:26:00.759
like the moro on either, but
the guy that wouldn't cash it really bothered

356
00:26:00.799 --> 00:26:04.720
me. So I went in grabbed
his business card. Come Tuesday and I

357
00:26:04.799 --> 00:26:10.880
sued the bank. I sued him
personally in the same lawsuit, and then

358
00:26:10.960 --> 00:26:15.200
I served him. I served him
just so he knew it was my ass

359
00:26:15.519 --> 00:26:19.519
that was doing it and he could
hand it to his manager because I heard

360
00:26:19.599 --> 00:26:22.359
him tell the other guy, yeah, we have that cash, tell him

361
00:26:22.400 --> 00:26:26.079
to get over here by noon,
and they knew everything was legit. But

362
00:26:26.200 --> 00:26:29.720
at the very end, here's what
he told me and why he wouldn't give

363
00:26:29.759 --> 00:26:32.640
me the money. He goes,
oh, I didn't realize Monday was a

364
00:26:32.680 --> 00:26:36.119
holiday, so we're not going to
get our normal money drop and we need

365
00:26:36.160 --> 00:26:37.799
money for Tuesday, so I can't
do it. And I'm like, oh,

366
00:26:37.839 --> 00:26:41.599
that's great. So I just ran
all over town and you lied to

367
00:26:41.640 --> 00:26:42.720
the other guy and you lied to
me. Now you won't cash it.

368
00:26:44.000 --> 00:26:47.480
But that's it. I'm gonna I'm
done with the story. David. That's

369
00:26:47.519 --> 00:26:49.240
all you gotta do. You follow
me. You don't have to sue an

370
00:26:49.279 --> 00:26:53.920
individual there, sue one of the
branches, and you're going to serve one

371
00:26:53.920 --> 00:27:00.799
of the branches. Got it,
I got it. Does that include Capital

372
00:27:00.839 --> 00:27:04.759
One's cafe? Yes, that's exactly
with Capital One. That's exactly who I

373
00:27:04.759 --> 00:27:08.359
would sue. That's exactly and i'd
have your wife go in and serve them,

374
00:27:08.400 --> 00:27:11.519
because unless your wife is part of
that credit card, you can have

375
00:27:11.599 --> 00:27:15.599
your neighbor, you can have anybody. But yes, that's exactly what I

376
00:27:15.640 --> 00:27:18.480
did in the cafe. That is
what they call a branch. So yes,

377
00:27:19.720 --> 00:27:23.319
okay, so use listen to me
use that address. Use that.

378
00:27:23.400 --> 00:27:26.640
I'm putting you on hold. I'm
not going any further with the call,

379
00:27:26.720 --> 00:27:29.559
but listen, David. If you
need more help, email me at help

380
00:27:29.559 --> 00:27:33.200
at troubleshooter dot com. I'll even
email you the forms for small claims.

381
00:27:33.240 --> 00:27:36.519
But you want to pick one of
the branches out. I think Capital one

382
00:27:36.559 --> 00:27:38.240
only has one or two. Here, pick one out the closest to you,

383
00:27:38.640 --> 00:27:41.359
or in the same county as you, if possible, but if not

384
00:27:41.440 --> 00:27:45.640
the closest county. You're going to
fill out the paperwork. You're going to

385
00:27:45.759 --> 00:27:48.759
use the branch address, and you're
going to file it in the county where

386
00:27:48.759 --> 00:27:52.880
that address is. That's it,
simple as that. I'm going to move

387
00:27:52.880 --> 00:27:56.279
on. Three oh three seven,
one, three eight two five five.

388
00:27:56.519 --> 00:28:00.680
Hey real quick, Dwayne. Props
to Frank Duran. I love that guy.

389
00:28:00.759 --> 00:28:03.279
Man, what did Frank do for
you? Were you a buyer or

390
00:28:03.319 --> 00:28:08.160
a seller? I was a feller. Excellent man. And tell me about

391
00:28:08.160 --> 00:28:14.640
the experience with Frankie. Well,
just everything Tom says about him as one

392
00:28:14.680 --> 00:28:19.880
hundred percent true. And he was
carollably the easiest, most wonderful experience we've

393
00:28:19.880 --> 00:28:22.599
ever had. And we sold a
few houses and we've never had one ghost

394
00:28:22.640 --> 00:28:26.200
with smooth and he was on the
ball and he did everything he said.

395
00:28:26.960 --> 00:28:32.359
He's an amazing man. He really
is. Yep, he'll do a free

396
00:28:32.359 --> 00:28:34.519
evaluation. Hey, thanks for that, man. I know Frank appreciates it

397
00:28:36.160 --> 00:28:37.640
big time as well. Let's free
that up. We have two lines open

398
00:28:37.680 --> 00:28:41.759
three oh three seven one three eight
two five five three zero three Martino.

399
00:28:42.160 --> 00:28:45.319
Frank, by the way, will
do and this helps a lot of people

400
00:28:45.359 --> 00:28:49.960
out guys with taxes. He'll do
a free evaluation of your house. Everybody's

401
00:28:51.720 --> 00:28:56.279
home property has gone up significantly thanks
to our governor. And man, I'm

402
00:28:56.319 --> 00:29:00.200
not going to get into that,
but it's gone up crazy everybody. He's

403
00:29:00.240 --> 00:29:03.440
paying so much more for property taxes. It's nuts. Frank can actually help

404
00:29:03.480 --> 00:29:07.240
you with this free evaluation. He'll
come out do a free evaluation pull all

405
00:29:07.279 --> 00:29:11.279
the comps and hopefully it comes in
less than what our government's trying to screw

406
00:29:11.359 --> 00:29:22.440
us by. Hold tight, Go
with a sure thing Denver's Best roofer Excel

407
00:29:22.559 --> 00:29:29.359
Roofing dot com. You don't pay
a cent until you're content. Time for

408
00:29:29.359 --> 00:29:33.559
an insurance check up free, no
obligation comparison call Compass Insurance paying too much

409
00:29:33.680 --> 00:29:37.680
your coverage at dozens of insurance companies
find out now three oh three seven to

410
00:29:37.720 --> 00:29:41.119
seven to one. Help. You'll
think you're his only customer when you choose

411
00:29:41.160 --> 00:29:45.599
Frank durand the real estate Man dot
com to list your home with Remax Alliance

412
00:29:45.839 --> 00:29:52.559
three oh three nine two zero sixteen
twenty two. All right, three o

413
00:29:52.720 --> 00:29:56.240
three seven one three eight two five
five. Don't forget our YouTube channel you

414
00:29:56.279 --> 00:30:00.440
can. You can learn so much
behind the scene. We have a lot

415
00:30:00.440 --> 00:30:03.240
of it, wouldn't you guys say? We have great conversations and I'm talking

416
00:30:03.240 --> 00:30:08.440
to Kevin Caulkin, Jeffick, Jesse
Schillinger. Really, I mean, what

417
00:30:08.480 --> 00:30:11.839
do you think, Jesse? You're
not as down? These guys are here

418
00:30:11.880 --> 00:30:15.839
all the time. Yeah. I
let them come because they buy pizza.

419
00:30:15.279 --> 00:30:22.359
That's why the pizza that's he comes
buys and eats the pizza. The behind

420
00:30:22.400 --> 00:30:26.680
the scenes. You just go to
YouTube dot com type in Troubleshooter Network and

421
00:30:26.720 --> 00:30:30.720
you'll see us live ten to two
every single day on YouTube, Facebook,

422
00:30:30.920 --> 00:30:36.039
all kinds of other places. I'm
building a new website and it's gonna be

423
00:30:36.079 --> 00:30:38.279
really cool. It's not up yet, but it's gonna be called Turn to

424
00:30:38.680 --> 00:30:44.000
Radio, and I'll put it out
there turn to Radio dot com spelled anyway

425
00:30:44.000 --> 00:30:48.359
you can imagine my buddy Mike Snag
does for me. And on there we're

426
00:30:48.400 --> 00:30:52.240
gonna have hopefully I still have got
a few strings to pull. And this

427
00:30:52.319 --> 00:30:56.519
is the first time Dragon's probably hearing
it. I'm probably gonna have on there

428
00:30:56.559 --> 00:31:03.240
a podcast that has almost zero commercials, so we're we're working through some things

429
00:31:03.279 --> 00:31:07.759
we have to do with that.
And then on top of that, on

430
00:31:07.880 --> 00:31:10.319
Turn two Radio. If you go
there right now, there's nothing there.

431
00:31:10.359 --> 00:31:15.400
It's probably just some theme. We're
also going to have other stuff about advertising

432
00:31:15.480 --> 00:31:18.200
with us and coming on the show
and doing other stuff. It's going to

433
00:31:18.319 --> 00:31:21.119
be really cool. But three O
three seven one three A two five five

434
00:31:21.160 --> 00:31:25.119
one line open. Let's take a
car question. It is car Day,

435
00:31:25.200 --> 00:31:29.599
John, What the heck's going on? Man, Well, I appreciate you

436
00:31:29.680 --> 00:31:34.480
taking my call, sir. I
am calling actually on behalf of my parents

437
00:31:34.519 --> 00:31:38.640
in law, My mother and father
in law. They back back in September

438
00:31:38.680 --> 00:31:44.799
of twenty one. They bought a
Nissan Frontier brand new, painted off mid

439
00:31:45.519 --> 00:31:52.480
mid twenty two. Then June of
twenty three, the drive cheft broken half

440
00:31:53.279 --> 00:31:56.640
while they were driving to church one
day. Hey guys, how would that?

441
00:31:56.839 --> 00:32:00.160
How does it out of you?
Guys know back in the day,

442
00:32:00.359 --> 00:32:05.000
I was in automotive too. I
wasn't a technician, but my god,

443
00:32:05.079 --> 00:32:07.880
I've never heard of a drive chef
snapping in half. Are are you sure

444
00:32:07.920 --> 00:32:10.880
you don't mean the you joint?
No, no, it was it was

445
00:32:12.000 --> 00:32:15.920
the actual drive shaft broken half,
kept rotating, causing a bunch of damage

446
00:32:15.960 --> 00:32:23.640
underneath. They they wound up taking
the vehicle back to the It was Larry

447
00:32:23.720 --> 00:32:30.079
H. Miller where they bought the
vehicle in June of twenty three, and

448
00:32:30.119 --> 00:32:35.359
they've had the vehicle ever since.
The reason why I'm calling is because they've

449
00:32:35.359 --> 00:32:40.720
exhausted every effort to one either get
the vehicle back or to get this result.

450
00:32:44.680 --> 00:32:46.680
I got a couple questions and maybe
these guys can help me. One,

451
00:32:46.759 --> 00:32:51.880
what is the warranty on this twenty
twenty one, what is it got

452
00:32:51.880 --> 00:32:55.480
to be thirty least thirty six?
I think? So are they over I

453
00:32:55.519 --> 00:33:00.079
mean, if it was something that
would be covered and they're not covering,

454
00:33:00.160 --> 00:33:04.400
I get that. But my question
is, if it's something that would be

455
00:33:04.519 --> 00:33:09.119
covered, is it still under warranty? So from what I'm told, it

456
00:33:09.160 --> 00:33:15.400
was still under warranty. The problem
is the length of time that they've had

457
00:33:15.440 --> 00:33:19.920
the vehicle and the run around that
they're getting. Well, you, you're

458
00:33:19.920 --> 00:33:23.640
still not making a lot of sense. When it happened and they first had

459
00:33:23.680 --> 00:33:28.960
it towed in and I'm sorry,
is it Larry Miller? Yeah, I

460
00:33:29.039 --> 00:33:31.039
don't think I've ever heard anything good
about them. Did they give him a

461
00:33:31.079 --> 00:33:35.759
car to drive? At least?
Well, they're yeah, that's been part

462
00:33:35.799 --> 00:33:39.119
of the This has been a whole
issue. But hold on, hold on.

463
00:33:39.200 --> 00:33:43.920
So when they first get it towed
into Larry Miller, is it under

464
00:33:44.000 --> 00:33:47.279
warranty? Is it under thirty six
thousand miles in three years? From what

465
00:33:47.359 --> 00:33:52.160
I understand? Yes. Now,
remember I'm the sun in law, so

466
00:33:52.200 --> 00:33:54.519
I don't have every bit of information. Go with a sure thing. Denver's

467
00:33:54.559 --> 00:33:59.839
Best Roofer Excel Roofing dot com.
You don't pay a cent until you're content.

468
00:34:00.519 --> 00:34:07.000
Leave time for an insurance check up
free no obligation comparison call Compass Insurance.

469
00:34:07.159 --> 00:34:12.079
Pay too much your coverage at dozens
of insurance companies find out now three

470
00:34:12.159 --> 00:34:15.239
oh three, seven to seven to
one help. You'll think you're his only

471
00:34:15.320 --> 00:34:19.159
customer when you choose Frank durand the
real estate Man dot com to list your

472
00:34:19.199 --> 00:34:29.639
home with Remax Alliance three oh three
nine two zero sixteen twenty two ripped up

473
00:34:30.239 --> 00:34:37.920
News. So you don't have come
run anxious as fast as we can.

474
00:34:38.800 --> 00:34:47.000
Shooter's gonna help coming man. This
is the Troubleshooter Show. Now Tom Martinez,

475
00:34:47.159 --> 00:34:51.199
welcome my friends to the only show
of his kuy. We're here to

476
00:34:51.239 --> 00:34:54.400
solve problems, answer questions, take
complaints. Our goal is to make your

477
00:34:54.519 --> 00:34:58.920
life. Yeah you right now listening
a little bit better? You've been ripped

478
00:34:58.920 --> 00:35:00.679
off. I want to hear from
you. Maybe you just have a question.

479
00:35:00.840 --> 00:35:04.800
Maybe you're thinking, Hey, instead
of trading in my car, I

480
00:35:04.840 --> 00:35:07.440
think I want to sell it.
What's the best way to do it without

481
00:35:07.480 --> 00:35:09.880
getting ripped off? Or I want
to buy a used car from an individual?

482
00:35:09.960 --> 00:35:14.119
How do I do it and make
sure they actually own the car.

483
00:35:14.280 --> 00:35:17.079
Any question like that, in fact, almost any legal question. We have

484
00:35:17.159 --> 00:35:22.400
bankruptcy attorneys, personal injury attorneys,
we have real estate attorneys. We have

485
00:35:22.480 --> 00:35:28.320
attorneys of every everything. I mean
everything, I don't know how to put

486
00:35:28.360 --> 00:35:30.880
it. And they're all on referral
list dot com. Fridays. We like

487
00:35:30.960 --> 00:35:37.320
talking about cars, and John called
up with a very interesting question that we're

488
00:35:37.320 --> 00:35:39.360
going to go back to. I
have never heard of a drive shaft breaking

489
00:35:39.360 --> 00:35:46.320
in half, but Jesse with Honest
Accurate in Colorado Springs brought up something interesting

490
00:35:46.360 --> 00:35:51.440
that it could have been. But
first I want to tell you about Compass

491
00:35:51.519 --> 00:35:57.559
Insurance. Compass these guys can look
at your deck page from your current policies,

492
00:35:57.840 --> 00:36:00.280
whether it's automotive, whether it's correct
odds keepers, if you own a

493
00:36:00.320 --> 00:36:06.679
shop like car Friday, maybe it's
workmen's comp maybe it is your homeowners.

494
00:36:06.719 --> 00:36:09.199
They can look at any of your
insurance with the exception of health insurance,

495
00:36:09.559 --> 00:36:14.280
and they can compare it to up
to forty other companies. Make sure you

496
00:36:14.360 --> 00:36:17.239
got the proper coverage, and that's
very important. The people in the Boulder

497
00:36:17.360 --> 00:36:23.000
fires, thousands of people were well
ninety five percent of them were well under

498
00:36:23.039 --> 00:36:27.159
insured. You got to make sure
the coverage is there on that dwelling as

499
00:36:27.159 --> 00:36:30.400
well. But Compassinsurance dot Com.
Check them out please. I have personally

500
00:36:30.480 --> 00:36:36.159
used them for ten years plus.
Every year they shop for me and make

501
00:36:36.159 --> 00:36:39.039
sure I'm covered correctly and try to
save me money. It's a great company,

502
00:36:39.079 --> 00:36:44.039
Compass Insurance dot Com. Now I
want to jump right back to this.

503
00:36:44.440 --> 00:36:49.000
So Todd, we're kind of getting
the information second hand, meaning he's

504
00:36:49.119 --> 00:36:52.000
calling and I'm sorry, Yeah,
it is John, not Todd. So

505
00:36:52.280 --> 00:36:58.519
John is calling on behalf of his
wife's parents, and he said they had

506
00:36:58.559 --> 00:37:02.760
a twenty twenty one. They bought
brand new Nissan Frontier. Everything was fine.

507
00:37:02.760 --> 00:37:05.960
Then all of a sudden, they
were on the weighted church. Am

508
00:37:05.960 --> 00:37:08.800
I the only one that picked up
on that? Yeah, they were on

509
00:37:08.840 --> 00:37:14.800
the weighted church and the drive shaft, according to him broken half. Now,

510
00:37:14.880 --> 00:37:16.840
Jesse, you said something, get
on that mic and you showed me

511
00:37:16.920 --> 00:37:21.440
a picture. Is that actually from
a Frontier? Yeah? Yeah, So

512
00:37:21.639 --> 00:37:24.960
describe to everybody what what what you're
thinking. I was thinking that the carrier

513
00:37:25.000 --> 00:37:28.800
bearing, which is kind of in
the middle of the drive shaft, broke

514
00:37:28.920 --> 00:37:31.280
broke, and then that's where it
would flopp because the drive shaft in general,

515
00:37:31.360 --> 00:37:35.880
guys, is made of what steel? Yeah? So I mean something

516
00:37:36.000 --> 00:37:39.280
like that breaking would have to be
I don't even know how it could after

517
00:37:39.360 --> 00:37:43.480
two years, have to have some
sort of impact, or that it should

518
00:37:43.519 --> 00:37:45.960
have been a noticeable vibration because that
metal was coming apart. But even on

519
00:37:46.039 --> 00:37:50.599
an impact, I mean, I
get it. If it's huge, anything

520
00:37:50.639 --> 00:37:54.480
could happen. But generally, if
you impacted it is steel, it'll throw

521
00:37:54.519 --> 00:38:00.199
it off balance and it'll drive.
Yeah, but my god, to actually

522
00:38:00.239 --> 00:38:05.079
break in half? Do you guys
think Jesse's probably right now? So I

523
00:38:05.119 --> 00:38:07.199
want to go back. And here's
the question, John. It has been

524
00:38:07.320 --> 00:38:15.679
sitting down there at Larry Miller since
June. Now what are they saying?

525
00:38:15.199 --> 00:38:20.519
Why can't they fix it? And
is your let's say, they're not going

526
00:38:20.599 --> 00:38:22.920
to cover it under warranty for whatever
reason, whether that's right or wrong.

527
00:38:23.400 --> 00:38:28.800
Are your in laws willing to pay
for the repairs? So while we are

528
00:38:28.840 --> 00:38:31.159
on break, I did get confirmation
that it is under warranty, got it?

529
00:38:31.480 --> 00:38:37.199
All of this is under warranty.
What they're saying is that there was

530
00:38:37.239 --> 00:38:42.159
so much damage caused by this one
incident, yeah, that that it's taking

531
00:38:42.199 --> 00:38:45.519
this along to fix all of it. Under normal circumstances, I would think

532
00:38:45.519 --> 00:38:49.280
that this is okay. Well,
hold on, that's this isn't nearly as

533
00:38:49.280 --> 00:38:52.639
bad as I thought. This conversation
was going to go to. Have they

534
00:38:52.679 --> 00:38:57.360
given them a vehicle to drive,
since they've given them multiple vehicles part of

535
00:38:57.360 --> 00:39:01.639
the problems. So they've given them
multiple vehicles, and what happens is so

536
00:39:01.679 --> 00:39:05.760
my father in law in March of
last year had a heart attack, his

537
00:39:05.880 --> 00:39:12.199
second since they bought this vehicle,
and this heart attack really kind of messed

538
00:39:12.239 --> 00:39:16.360
him up. He actually died nine
times. Oh my god. Yeah.

539
00:39:16.519 --> 00:39:21.559
They were able to bring him back
each time and a whole lot. I

540
00:39:21.679 --> 00:39:23.360
just got to ask you about that. I mean one of the times where

541
00:39:23.360 --> 00:39:27.599
they brought him back, I mean
was he was he at the house and

542
00:39:27.639 --> 00:39:30.320
then the ambulance came out and they
brought him back. I mean, kind

543
00:39:30.320 --> 00:39:32.199
of tell me the scoop. So
I was. I was actually with him

544
00:39:32.199 --> 00:39:36.679
when it when it happened, he
was looking pretty pale, uh, kind

545
00:39:36.679 --> 00:39:38.800
of getting sweaty. I asked him, are you are you feeling okay?

546
00:39:39.440 --> 00:39:42.840
Uh? He said yeah, but
he was getting kind of nauseous. So

547
00:39:44.639 --> 00:39:46.599
why don't why don't you sit down
and then you know, his wife,

548
00:39:46.639 --> 00:39:51.880
my mother in law, recognized that
that was one of his symptoms. So

549
00:39:52.000 --> 00:39:54.280
we uh got a hold of the
urgent care right down the street. They

550
00:39:54.280 --> 00:40:00.440
have a life flight landing pad there. Wow, they wound up life him

551
00:40:00.440 --> 00:40:05.159
from there to North Suburban. Oh
my god. In the helicopter they he

552
00:40:05.280 --> 00:40:09.639
coded, I want to say,
six times, and then at the emergency

553
00:40:09.679 --> 00:40:13.880
room he coded another three times.
Man, I am so sorry to hear

554
00:40:13.920 --> 00:40:16.920
that. How's he doing now?
He's doing okay. But this is why

555
00:40:17.000 --> 00:40:23.440
I'm why I'm actually there, because
he's he's really struggling with emotional issues now

556
00:40:23.480 --> 00:40:28.239
because of this, you know,
he's well, I'm not going to be

557
00:40:28.280 --> 00:40:30.119
able to I'm not going to be
able to. Here's what I think I

558
00:40:30.159 --> 00:40:34.480
can do for you. I'm not
going to be able to sell them because

559
00:40:34.519 --> 00:40:37.760
of his health stuff, you know, like they're causing it or anything like

560
00:40:37.800 --> 00:40:40.880
that. But what I can do? What kind of vehicle does he need

561
00:40:42.000 --> 00:40:44.920
until they get this fixed? I
mean, I don't know how much damage

562
00:40:44.920 --> 00:40:46.719
is there. We're going to have
one of our deputies look into it and

563
00:40:46.760 --> 00:40:51.559
figure out what's going on. But
what what if they can't get it fixed

564
00:40:51.639 --> 00:40:53.960
right now? What kind of vehicle
can they put him in that he'll be

565
00:40:54.039 --> 00:40:59.840
happy with till it is fixed.
Here's here's the thing. They've been happy.

566
00:41:00.000 --> 00:41:04.239
They've been fine with the loaners that
they're giving them. It's the run

567
00:41:04.320 --> 00:41:07.960
around that they're getting that is really
causing it to the issue. They have

568
00:41:07.039 --> 00:41:12.239
a truck. They own a truck
that's sitting in this place that's broken that

569
00:41:12.280 --> 00:41:17.079
they're they're being given, you know, all kinds of explanations as to why

570
00:41:17.119 --> 00:41:21.519
it's still there. Yeah, they've
talked to managers, they've they've gone up

571
00:41:21.519 --> 00:41:27.000
the chain with Nissan, and they've
never they've not gotten a direct answer as

572
00:41:27.039 --> 00:41:31.360
to why they don't have their truck
or another permanent truck back. They keep

573
00:41:31.360 --> 00:41:35.280
getting these long it's been a long
time. Yeah, yeah, I agree

574
00:41:35.280 --> 00:41:37.719
with you, June. I mean
we're coming up on a here. Hey,

575
00:41:37.760 --> 00:41:42.559
Deputy Doc. I know you're listening
on YouTube. Would you reach out

576
00:41:42.599 --> 00:41:45.400
to these guys. Just put up
on YouTube. You're going to get on

577
00:41:45.440 --> 00:41:49.280
it. Kelly's going to email you
all the information. So here's what we're

578
00:41:49.280 --> 00:41:52.519
going to do, Deputy Doc.
Reach out. I agree one hundred percent.

579
00:41:52.559 --> 00:41:55.400
They bought a brand new truck.
They haven't had use of it because

580
00:41:55.400 --> 00:42:00.079
of a warranty issue. Now for
coming up on a year and either trade

581
00:42:00.119 --> 00:42:02.519
them out of it or not trade
them out of it, either getting them

582
00:42:02.559 --> 00:42:06.239
a different truck. Well, you
would have to trade them out. The

583
00:42:06.320 --> 00:42:09.119
vehicle's two years old. Either do
something that makes sense and that's fair,

584
00:42:09.559 --> 00:42:13.960
or get the thing fixed or at
least give us a time. So Deputy

585
00:42:13.960 --> 00:42:15.480
Doc do that. So what I
want you to do, John is just

586
00:42:15.559 --> 00:42:19.800
hold tight, all right, and
we're going to give this to Deputy Doc.

587
00:42:19.880 --> 00:42:22.239
You have to give a lot of
information to Kelly, So hold on

588
00:42:22.320 --> 00:42:25.960
and then Kelly. The other thing
I would like from there is the buyer's

589
00:42:27.039 --> 00:42:30.079
order where they actually purchased it.
Speaking of that, did they purchase it

590
00:42:30.239 --> 00:42:35.079
at Larry Miller? Yes? They
did? Good good, good, good,

591
00:42:35.079 --> 00:42:37.079
good good. I mean Larry Miller
should be doing something. I mean,

592
00:42:37.159 --> 00:42:40.360
I don't know what the circumstance is, but it's got to be better

593
00:42:40.400 --> 00:42:44.679
than sitting there a year. I
mean, if they can't be fixed,

594
00:42:44.719 --> 00:42:49.400
it can't be fixed. Hey,
what I when we were on break,

595
00:42:49.440 --> 00:42:52.159
I called my mother in law.
She said that it's not just this whole

596
00:42:52.199 --> 00:42:55.920
drive chef issue. It's the damage
that was caused by no, I get

597
00:42:55.960 --> 00:42:59.440
it. I get it because when
that thing came apart, guys, I

598
00:42:59.440 --> 00:43:01.519
mean it just banged up everything.
Absolutely, I'm sure it did. But

599
00:43:01.599 --> 00:43:05.239
still we're talking a year. Yeah, you could rebuild the whole truck of

600
00:43:05.280 --> 00:43:07.239
the year. You could literally build
the truck in a year. So that's

601
00:43:07.280 --> 00:43:13.280
the problem here. Their warranty is
now gone. Yeah, well that's something

602
00:43:13.280 --> 00:43:15.960
else. It's gonna have to be
negotiated. Maybe they put on an extra

603
00:43:16.079 --> 00:43:21.559
aftermarket warranty through Nissan or something.
That's a good point, Jesse, because

604
00:43:21.800 --> 00:43:24.000
yeah, you know, the rest
of their warranty is gone. They get

605
00:43:24.000 --> 00:43:28.920
this back and the engine goes out
in five thousand miles, they're going to

606
00:43:28.960 --> 00:43:31.239
say you're out of warranty because you're
past the three years, which would be

607
00:43:31.280 --> 00:43:35.559
a bunch of bs because it's been
sitting in your shop. Good point,

608
00:43:35.639 --> 00:43:44.840
man, I'm glad I thought of
that. Everybody. Hold on go with

609
00:43:44.920 --> 00:43:49.119
a sure thing Denver's Best Roofer Excel
roofing dot com. You don't pay a

610
00:43:49.199 --> 00:43:55.400
cent until you're content. Time for
an insurance check up free, no obligation.

611
00:43:55.440 --> 00:44:00.920
In comparison, call Compass insurance paying
too much your bridge at dozens of

612
00:44:00.920 --> 00:44:04.519
insurance companies find out now three oh
three seven seven to one. Help.

613
00:44:04.679 --> 00:44:07.480
You'll think you're his only customer when
you choose Frank durand the real estate man

614
00:44:07.519 --> 00:44:13.039
dot Com to list your home with
Remax Alliance three oh three nine two zero

615
00:44:13.119 --> 00:44:22.519
sixteen twenty two. All right,
three oh three seven one three eight two

616
00:44:22.559 --> 00:44:25.760
five five three oh three Martino.
Hey, we've got good news. My

617
00:44:27.000 --> 00:44:30.639
understanding, and tell me if I'm
right, we are going to have the

618
00:44:30.800 --> 00:44:35.519
owner Kelly Uh. I'm working on
it, mister Appliance at Parker. I

619
00:44:35.599 --> 00:44:37.639
can't wait to hear his side of
the story. I want to get Tom

620
00:44:37.719 --> 00:44:42.239
back up. At the same time. Tom called in a couple of days

621
00:44:42.280 --> 00:44:45.280
ago. I'm not going to recap
the whole thing, but basically, according

622
00:44:45.320 --> 00:44:50.199
to I think it was Tom,
he spent sixty seven hundred dollars with mister

623
00:44:50.239 --> 00:44:57.480
Appliance. They couldn't fix his uh
Viking refrigerator properly, and then finally he

624
00:44:57.559 --> 00:45:00.280
had to call someone else after they
were out nine times, according to the

625
00:45:00.320 --> 00:45:04.760
caller, nine times they couldn't fix
it. We tried to reach out to

626
00:45:04.840 --> 00:45:07.559
him. I personally tried to reach
out to him, and finally we got

627
00:45:07.599 --> 00:45:13.599
a message back that was kind of
weird on our voicemail. But basically they're

628
00:45:13.639 --> 00:45:15.000
saying, we don't want What did
the message say, by the way,

629
00:45:15.119 --> 00:45:20.239
Kelly from corporate? Well, I
don't believe it was from corporate. I

630
00:45:20.239 --> 00:45:24.119
believe it was local and it was
a customer service representative, okay. And

631
00:45:24.559 --> 00:45:32.639
she basically said that she had received
the multiple things that were going on with

632
00:45:32.800 --> 00:45:38.320
Tom, and she left a message
and it was very cordial and actually very

633
00:45:38.320 --> 00:45:42.599
cordial. Now, when did the
owner call? When does he want to

634
00:45:42.639 --> 00:45:45.719
come on? Well, we're working
on that right now. I love when

635
00:45:45.760 --> 00:45:49.679
businesses come on. I'm hoping they've
got a completely different side of the story,

636
00:45:49.920 --> 00:45:54.119
because here's what the consumer said.
Mister appliance to Parker was out nine

637
00:45:54.239 --> 00:45:59.599
times, and I saw the invoices, okay, And what the invoices basically

638
00:45:59.639 --> 00:46:04.199
started off with the refrigerators making a
noise, and they went through different things,

639
00:46:04.239 --> 00:46:07.960
and every invoice seems to point back
to it still making a noise.

640
00:46:07.159 --> 00:46:12.599
And they kept selling them things after
things after things. But what really bothers

641
00:46:12.639 --> 00:46:15.760
me is after nine times sixty seven
hundred dollars, then according to Tom,

642
00:46:15.840 --> 00:46:20.360
they started ghosting them. They wouldn't
talk to him, They wouldn't do anything.

643
00:46:20.400 --> 00:46:22.800
He had to call another company out. The other company came out,

644
00:46:23.000 --> 00:46:28.800
fixed it for around four thousand in
something and basically had to redo everything they

645
00:46:28.840 --> 00:46:31.239
did. That other company, according
to Tom, said they didn't use the

646
00:46:31.320 --> 00:46:36.920
right parts and they should have never
have pulled the Viking refrigerator out from the

647
00:46:36.960 --> 00:46:40.320
wall. You can access everything from
the front, and the labor wasn't proper

648
00:46:40.360 --> 00:46:44.960
according to the other company and what
Tom said. So I'm dying to figure

649
00:46:44.960 --> 00:46:46.920
out what's going to happen there.
Now where did we leave off? Guys?

650
00:46:49.079 --> 00:46:53.280
We put Deputy Dock on that one. Now, let's go to Steve

651
00:46:53.559 --> 00:46:57.960
Moss. Actually, hold on,
Steve. I'm going to go to Tony

652
00:46:58.000 --> 00:47:01.320
first. Tony's been holding forever.
Sorry for the long hold. What's going

653
00:47:01.320 --> 00:47:05.800
on with you, sir? Hey, I think I'm getting ripped off.

654
00:47:06.239 --> 00:47:09.599
I am calling from Pueblo and I
was Safegoat, which is part of Liberty.

655
00:47:09.760 --> 00:47:14.920
Yeah, and they said the rook
so then got the roof done,

656
00:47:15.239 --> 00:47:20.360
and then after he left he sent
me stay in paperwork that they were going

657
00:47:20.400 --> 00:47:23.880
to cover it. I have a
thousand dollars reductible. I have a separate

658
00:47:24.039 --> 00:47:29.639
garage and patio from my house.
So I pull into my garage. I

659
00:47:29.719 --> 00:47:32.880
walked out of the garage into my
patio. Then as I deep my patio

660
00:47:34.760 --> 00:47:40.320
heading toward the house, that twenty
four foot of what there was all soaked

661
00:47:40.360 --> 00:47:45.559
and wet, and so I called
him the praiser. He never called me

662
00:47:45.639 --> 00:47:51.079
back. Then I sent him pictures
and I sent him a method saying,

663
00:47:51.119 --> 00:47:52.760
hey, you didn't mention any of
this, is it covered or what?

664
00:47:53.679 --> 00:47:59.159
So then I just we see paperwork
yesterday saying that they're not going to cover

665
00:47:59.239 --> 00:48:02.000
that. They're saying it old damage
and it comes out to twenty four hundred

666
00:48:02.039 --> 00:48:07.000
dollars. And I don't I'm calling
for advice. Do I have any recourse?

667
00:48:07.159 --> 00:48:09.960
Yeah, you want to call Matt
over a Paragon services. You want

668
00:48:09.960 --> 00:48:15.519
to get what's called a public adjuster
involved. He's going to come out and

669
00:48:15.559 --> 00:48:19.079
hold their feet to the fire and
get you every dime you deserve. Man,

670
00:48:20.119 --> 00:48:22.599
I'm calling from Pueblo. Is that
going to be a problem. No,

671
00:48:22.719 --> 00:48:25.000
not at all. In fact,
Matt is in Colorado spring, so

672
00:48:25.159 --> 00:48:28.639
I mean, but he's got Yeah, No, it's not going to be

673
00:48:28.639 --> 00:48:31.239
a problem. It's simply not going
to be a problem. I have a

674
00:48:31.280 --> 00:48:37.320
pen hold on here. I'm pulling
up his number as we speak, Paragon

675
00:48:37.440 --> 00:48:43.880
Services. You ready, Man seven
one nine seven nine seven two six zero

676
00:48:44.039 --> 00:48:52.199
zero twenty seven seven six zero zero
twenty. That's right, And is Matt

677
00:48:52.320 --> 00:48:59.960
with Paragon Services? Yeah, Matt
with Paragon Services. All right, Yeah,

678
00:49:00.039 --> 00:49:01.280
that's it. That's what you need, though, you need a public

679
00:49:01.280 --> 00:49:06.239
adjuster for people that don't know what
a public adjuster does. Is the insurance

680
00:49:06.280 --> 00:49:09.440
company as their adjusters that fight tooth
and nail not to give you anything.

681
00:49:09.880 --> 00:49:14.440
This is a public adjuster that'll work
for you. They're going to figure out

682
00:49:14.559 --> 00:49:17.559
every bit of damage that that storm
caused, or the hailstorm or whatever it

683
00:49:17.599 --> 00:49:21.000
is, and they're going to get
you every nickel. Man. So I

684
00:49:21.039 --> 00:49:23.079
appreciate your calling. In fact,
what I really like about your call,

685
00:49:23.159 --> 00:49:28.920
Tony is this You probably helped a
lot of other people out there that think

686
00:49:28.920 --> 00:49:32.480
their insurance company isn't doing the right
thing right now, now they know what

687
00:49:32.559 --> 00:49:36.519
to do as well. You can
call Matt at Paragon Services. By the

688
00:49:36.559 --> 00:49:40.960
way, you can find Matt at
referral list dot com. Now, Steve

689
00:49:42.079 --> 00:49:44.440
Moss, what's going on, Steve? How you been doing? Man?

690
00:49:45.679 --> 00:49:50.159
Yeah? Am I going to get
you out to the dry some of my

691
00:49:50.679 --> 00:49:52.639
extra beers you haven't had yet.
I know, I'll get out there,

692
00:49:52.719 --> 00:50:00.400
Susanna, and I'll get out there. When's the racetrack open the first part

693
00:50:00.400 --> 00:50:04.280
of May? Now they you know, I think it will be Earth Date

694
00:50:04.840 --> 00:50:07.119
in the April. You know,
I have to look at the schedule.

695
00:50:07.119 --> 00:50:09.559
I actually do their advertising. Oh
cool, So they just sent me a

696
00:50:09.599 --> 00:50:13.880
schedule. I didn't look at it
yet. My main race is going to

697
00:50:13.960 --> 00:50:17.400
be Father's Day weekend. That'll be
my sponge. I sponsored the Pure Stocks,

698
00:50:17.880 --> 00:50:22.239
so they they let me take my
tent out there and sell stuff,

699
00:50:22.280 --> 00:50:25.199
and they also sell my stuff on
the stands. Blood Orange is the highest

700
00:50:25.199 --> 00:50:30.119
selling beer out there, the punk
rock Blood Orange Wheat. But hey,

701
00:50:30.159 --> 00:50:32.920
the reason I call it mark.
I wanted to plug a couple of year

702
00:50:32.960 --> 00:50:42.679
guys. You mentioned Frank Duran.
You know this guy. I have not

703
00:50:42.880 --> 00:50:46.760
used him, And when I was
looking for a lawyer, I ended up

704
00:50:46.800 --> 00:50:52.119
using Brad O'Brien that which did a
great job, you know. And uh,

705
00:50:52.039 --> 00:50:55.400
Frank is one of the ones that
helped me direct there and Tom and

706
00:50:55.519 --> 00:51:00.199
anyway, but he's not like a
few weeks back and forth trying to help

707
00:51:00.239 --> 00:51:04.599
me out. I really got stumped
on Weld County. It was taken three

708
00:51:04.679 --> 00:51:07.320
years. This guy knew I was
probably never going to use him for anything.

709
00:51:07.639 --> 00:51:12.800
He just you know, he'll he'd
call up and follow up and say,

710
00:51:12.840 --> 00:51:15.519
hey, see do you find anybody
on He's a bubble bah. This

711
00:51:15.599 --> 00:51:21.800
guy, his his character. I
know he must run his business excellent because

712
00:51:21.840 --> 00:51:25.800
he as a person, he's a
class act. Yeah he is, man,

713
00:51:25.920 --> 00:51:29.480
he's uh yeah, I like how
you said that too. As a

714
00:51:29.519 --> 00:51:32.039
person, he's a class act,
and he absolutely is. He's a great

715
00:51:32.079 --> 00:51:37.760
guy. But even going a step
further, his negotiating skills are unbelievable.

716
00:51:37.800 --> 00:51:39.039
Man, I wouldn't want to be
on the other side of the table.

717
00:51:39.280 --> 00:51:45.639
Now. You also put up here
what did Brad O'Brien do for you?

718
00:51:43.280 --> 00:51:49.559
You know, he ended up writing
it all up, you know, to

719
00:51:49.679 --> 00:51:53.079
split the land and he did it
you know where. You know, lawyers

720
00:51:53.360 --> 00:51:57.880
me are expensive no matter what,
but he was cheap compared you know,

721
00:51:57.960 --> 00:52:00.639
he was affordable. I'll say,
come compared to other ones on price.

722
00:52:00.960 --> 00:52:05.440
He did a good job. He
is right on the ball, super professional.

723
00:52:05.679 --> 00:52:08.719
You know he really you know,
speed of the whole thing up amazingly.

724
00:52:08.880 --> 00:52:10.960
I mean, you know, so
he did you know, I could

725
00:52:12.039 --> 00:52:15.000
go on there. The whole bunch
of associates you guys work with, I

726
00:52:15.000 --> 00:52:17.159
could plug it. Yeah, they're
great. They're great anally. And I'm

727
00:52:17.159 --> 00:52:20.719
going to give you I wanted to
mention something. I have a go ahead.

728
00:52:21.199 --> 00:52:22.800
I have a new beer coming up. What is it? A new

729
00:52:22.840 --> 00:52:27.519
beer come up? I'm gonna brew
here in the next few days. It's

730
00:52:27.679 --> 00:52:32.400
a mango logger. Wow. So
it's called sweet Sweet Mango of mine,

731
00:52:34.039 --> 00:52:38.159
Sweet Mango. I love I love
the different I love the different ones you

732
00:52:38.239 --> 00:52:40.639
have up there, and we look
forward to getting you back in stage.

733
00:52:40.679 --> 00:52:45.159
I'm going to give Steve a plug. The tree farm Man. That's him.

734
00:52:45.599 --> 00:52:47.719
He did our intro song. This
guy has done a ton of jingles.

735
00:52:47.719 --> 00:52:52.239
If you're a company out there,
just look up Steve Moss if you're

736
00:52:52.239 --> 00:52:54.840
looking for a jingle. Really cool
guy, very talented guy, and he

737
00:52:54.920 --> 00:52:59.719
loves brewing beer. These days,
he's got a big breweries putting together.

738
00:52:59.719 --> 00:53:01.840
He's some liquor stores. Good guy. Thank you, Steve. Look,

739
00:53:01.840 --> 00:53:06.320
we're gonna take a quick break.
Mike's got an issue on car insurance,

740
00:53:06.480 --> 00:53:16.159
Oliver's got a engine issue and a
lot more. Right after this, go

741
00:53:16.239 --> 00:53:21.440
with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay

742
00:53:21.480 --> 00:53:28.800
a cent until you're content time for
an insurance check up free, no obligation.

743
00:53:28.880 --> 00:53:32.360
In comparison, call Compass insurance paying
too much your coverage at dozens of

744
00:53:32.400 --> 00:53:36.960
insurance companies find out now three oh
three, seven to seven to one help.

745
00:53:37.119 --> 00:53:39.679
You'll think you're his only customer when
you choose Frank durand the real estate

746
00:53:39.760 --> 00:53:45.159
Man dot com to list your home
with Remax Alliance three oh three nine two

747
00:53:45.239 --> 00:53:54.280
zero sixteen twenty two. Sorry for
three zero three seven one three A two

748
00:53:54.280 --> 00:53:59.159
five to five. We have two
lines open if you have any questions we'd

749
00:53:59.199 --> 00:54:01.000
love to hear from you. Is
car Day, We've got two car questions

750
00:54:01.079 --> 00:54:05.800
up, Mike and Oliver. I'm
going to let our guests decide your first.

751
00:54:06.360 --> 00:54:09.280
Go ahead, pick Kevin, Sean
or Mike or Oliver. Mike,

752
00:54:09.760 --> 00:54:14.159
Mike, what my friend is going
on with you? What's your question on

753
00:54:14.239 --> 00:54:19.360
insurance? Yeah, that's not a
problem. It's just a question classic car

754
00:54:19.400 --> 00:54:23.639
insurance. There's a ton of companies
out there, like Tiggerty and Grundy Sure,

755
00:54:24.239 --> 00:54:29.760
And assuming all the coverage is the
same, is one of those better

756
00:54:29.880 --> 00:54:32.840
or worse one to avoid or just
a regular carrier better? You know what

757
00:54:32.880 --> 00:54:37.079
I want to do. I want
to get on Compass insurance. There are

758
00:54:37.079 --> 00:54:39.920
insurance experts, so I assume you're
looking at some form of stated value,

759
00:54:40.000 --> 00:54:44.840
right, correct? And let's ask
them that. I don't know, but

760
00:54:44.920 --> 00:54:49.519
if anybody knows, it's going to
be Compass insurance because that's what they deal

761
00:54:49.559 --> 00:54:51.880
with. So Kelly, let's try
to get them on. I'm going to

762
00:54:51.960 --> 00:54:54.480
put Mike on hold. Three OZHO
three seven one three A two five five.

763
00:54:54.679 --> 00:54:58.559
Either of you guys ever owned or
all three of you? Did you

764
00:54:58.599 --> 00:55:01.159
guys ever own a class sick car? Oh? Sure? I mean were

765
00:55:01.239 --> 00:55:07.159
you insured it? It's stated value? I never had request nothing that nice.

766
00:55:07.400 --> 00:55:09.039
Just my motorcycle. You're always working
on them, and I'm talking that

767
00:55:09.119 --> 00:55:13.480
stated value, Jesse, it is
now why is that? Do you customize

768
00:55:13.559 --> 00:55:15.880
him? Correct? Yes? I
have about a thirty thousand dollars motorcycle.

769
00:55:15.960 --> 00:55:19.360
So how much was the base bike? What is it? A Harley?

770
00:55:19.480 --> 00:55:22.639
Yeah? Five grand? So you
paid five grand for it? Yeah?

771
00:55:22.679 --> 00:55:23.920
And now it's worth I mean,
cat, what do you do to a

772
00:55:23.960 --> 00:55:29.559
bike to bring it up to twenty
thirty thousand dollars? A lot like,

773
00:55:29.639 --> 00:55:32.679
what though, give me an idea, Peyton Rims, We've redone the engine.

774
00:55:32.760 --> 00:55:37.440
I've got every piece of it.
It doesn't even resemble the stock bike.

775
00:55:37.679 --> 00:55:40.440
No, it's it's it's a lot
wow. And it is stated value.

776
00:55:40.519 --> 00:55:44.079
Yeah. So then when you go
to the insurance you just you talk

777
00:55:44.119 --> 00:55:45.280
about what the value is. Did
they come out and look at it?

778
00:55:45.360 --> 00:55:47.840
Yep? Correct, they have pictures
of it on there. Let's get those

779
00:55:47.840 --> 00:55:52.719
guys up. I'm dying to see
what Compass says which company is better for

780
00:55:52.760 --> 00:55:59.360
stated value? And then Oliver,
what's going on with your engine? I'm

781
00:56:00.159 --> 00:56:06.679
to perplexed here on what to do. I've got a older truck with seventy

782
00:56:07.599 --> 00:56:12.400
excuse me, a two thousand and
eight Silverado. It's got a three point

783
00:56:12.400 --> 00:56:16.039
fifty motor, it's got two hundred
and twenty three k miles, and the

784
00:56:16.159 --> 00:56:24.920
teams I had it analyzed and they
say it's misfiring. And so I guess

785
00:56:24.960 --> 00:56:30.760
my question is what should should I
get an engine rebuilt? Or is it

786
00:56:30.800 --> 00:56:35.440
better just get another engine or just
go get another car? Guys jump,

787
00:56:35.920 --> 00:56:37.960
well, what's the reason for the
misfires? The first question? That's where

788
00:56:37.960 --> 00:56:43.519
you got to start. I mean
it could be simple as spark plugs.

789
00:56:44.039 --> 00:56:46.639
Excuse me, the misfires can be
something as simple as spark plugs. But

790
00:56:46.679 --> 00:56:52.679
you're looking to go dump another forty
grand into a truck. Yeah, I

791
00:56:52.559 --> 00:56:58.119
thought exactly. So I was thinking
of taking it to a mechanic that I

792
00:56:58.280 --> 00:57:01.559
use, and he did that once
before and it turned out to be just

793
00:57:01.719 --> 00:57:08.320
that it was a spark plug issue, and that seemed to work okay.

794
00:57:08.480 --> 00:57:15.079
But it's still when I come up
to like a stop sign or a light,

795
00:57:15.119 --> 00:57:20.119
all of a sudden the car dies
and then I have to wait a

796
00:57:20.159 --> 00:57:24.159
few minutes. I got to put
my mercy lights on and then it starts

797
00:57:24.239 --> 00:57:29.360
up again. But it as it
goes down the road or it goes up

798
00:57:29.360 --> 00:57:35.239
a hill, it just doesn't have
that compression. I would still get a

799
00:57:35.360 --> 00:57:38.719
check though. Where I'm at do
I I would still get a checked or

800
00:57:38.719 --> 00:57:42.400
have them do a compression checker.
I mean, there's so many things that

801
00:57:42.480 --> 00:57:47.039
can cause these issues. Don't just
assume that it's the motor right away.

802
00:57:49.119 --> 00:57:52.920
Well I did that. I did
a compression test and they said, it's

803
00:57:52.000 --> 00:57:58.320
just you said it's working about seventy
percent. Can say? Is that across

804
00:57:58.360 --> 00:58:04.800
the board? Though? I guess
that I'm not a mechanic, you're a

805
00:58:04.840 --> 00:58:07.480
construction guy. And that's tough without
having all those answers. Because if it's

806
00:58:07.519 --> 00:58:10.679
one cylinder that's working at seventy percent
and all the other ones are at ninety

807
00:58:10.719 --> 00:58:15.320
percent, that's one. But if
the whole engine they're saying is only at

808
00:58:15.360 --> 00:58:19.400
seventy percent, then at least they're
going across the board the same. I.

809
00:58:19.840 --> 00:58:22.719
You know, without having that information
in front of us, it's a

810
00:58:22.719 --> 00:58:29.199
lot of unknown answers. Well,
I already called because I'm tired of this

811
00:58:29.239 --> 00:58:31.920
truck dying out at traffic light.
Why don't you bring it to a different

812
00:58:31.960 --> 00:58:36.440
place, a different mechanic. It
sounds like they just don't know what they're

813
00:58:36.480 --> 00:58:37.800
doing. Man, I'd hate for
you to buy a new engine or do

814
00:58:37.960 --> 00:58:47.119
something silly. Correct, I concur
I don't know. I I've talked to

815
00:58:47.159 --> 00:58:52.159
your guy there on Shardan Auto TechEd
and that's Kevin. He's right here,

816
00:58:52.159 --> 00:58:58.280
man. Yeah, I've been over
there and he uh, he was.

817
00:58:58.360 --> 00:59:00.559
I was just priping out in and
this is what I was doing. And

818
00:59:02.159 --> 00:59:07.920
he told me it'd be about ten
thousand for a new engine, rebuilt and

819
00:59:07.159 --> 00:59:15.320
installed. Yeah, is that about
right? Or what is what is oh

820
00:59:15.360 --> 00:59:19.800
wait, Silverado, right, Yeah, that's a CREP motor for four year

821
00:59:19.880 --> 00:59:23.559
unlimited miles warranty. Yeah, so
you'd have four years unlimited miles warranty on

822
00:59:23.599 --> 00:59:29.599
that. It's not like a used
engine, but whether it's worth it or

823
00:59:29.679 --> 00:59:31.559
not? Okay, Well, let's
oliver. What do you do with your

824
00:59:31.599 --> 00:59:35.280
pickup? Let's get real real quick. Is it a work truck or what?

825
00:59:36.880 --> 00:59:39.760
I use it just for work?
Okay? So how much if you

826
00:59:39.800 --> 00:59:44.440
had to go if you had to
go replace that truck, what would that

827
00:59:44.519 --> 00:59:51.039
cost? Roughly? Uh? Well, if if I got a used one,

828
00:59:51.159 --> 00:59:57.599
it'd be in the ten to twenty
thousand range, okay, maybe ten

829
00:59:58.079 --> 01:00:01.000
fifteen years old. Or if I
buy a new one, it could be

830
01:00:01.079 --> 01:00:06.239
fifty thousand plus okay. Or you
can put ten thousand into this and have

831
01:00:06.360 --> 01:00:10.159
a brand new motor or a rebuilt
motor. When you say a great motor,

832
01:00:10.199 --> 01:00:13.719
is that rebuilt right? It's rebuilt
yet? Yeah, but it comes

833
01:00:13.800 --> 01:00:16.519
with a four year unlimited miles warranty. Yeah nationwide. Yeah, so you

834
01:00:16.519 --> 01:00:22.880
would have a nationwide warranty for four
years unlimited miles for ten grand compared to

835
01:00:22.880 --> 01:00:25.480
spending thirty to fifty And then if
you went out and bought a used oweight

836
01:00:25.639 --> 01:00:30.119
or a twenty ten with high mileage, you might end up putting a motor

837
01:00:30.119 --> 01:00:36.239
in anyhow. Yeah, in this
truck I have, I've also put new

838
01:00:36.320 --> 01:00:44.360
brakes on, I've got I've had
new alternator installed, a new battery installed,

839
01:00:44.719 --> 01:00:47.880
I've got new tires. And these
are all things you may potentially have

840
01:00:47.960 --> 01:00:52.360
to do with the next used vehicle. Yeah, you might. That's the

841
01:00:52.360 --> 01:00:54.679
whole point. So ten thousand,
you know what else? So let's talk

842
01:00:54.719 --> 01:00:58.920
to the other side of this.
How many miles are on it? Twenty

843
01:01:00.199 --> 01:01:07.039
Did you ever do a transmission?
I noticed when I go down the road

844
01:01:07.199 --> 01:01:14.000
and this thing dies out and it
comes back, the compression builds up,

845
01:01:15.440 --> 01:01:21.719
the transmission jumps, and I don't
think there's anything wrong with the transmission.

846
01:01:21.760 --> 01:01:24.119
Maybe it's because of what's going on
with the issue. Is it an automatic

847
01:01:24.199 --> 01:01:31.039
or a manual automatic? Okay,
Jeff, As long as there's engine problems,

848
01:01:31.119 --> 01:01:35.960
yes, you can get transmissions that
seemingly malfunction. They're going to be

849
01:01:36.039 --> 01:01:38.719
reading information on the way that that
engine is performing. It's trying to respond

850
01:01:38.760 --> 01:01:42.280
to it. Got it all right? All right? Cool, cool,

851
01:01:42.320 --> 01:01:45.760
cool, that's about it. Man. So I mean you can have it.

852
01:01:45.000 --> 01:01:49.719
You know what, maybe Kevin,
you really can't eyeball a transmission though,

853
01:01:49.719 --> 01:01:53.519
Can you fucking look at one?
Nah? Sush it? Oh shuesh

854
01:01:53.599 --> 01:01:57.679
it. I get it over to
Kevin. I mean, if I was

855
01:01:57.719 --> 01:02:00.280
in your position and you don't want
to buy a new vehicle, well for

856
01:02:00.360 --> 01:02:02.719
ten grand, all the other money
you've already put into it, and then

857
01:02:02.800 --> 01:02:07.320
Jeff, if he did need a
transmission, say, I don't know X

858
01:02:07.360 --> 01:02:09.519
amount of time down the road,
what are we talking. I'm assuming we're

859
01:02:09.559 --> 01:02:14.119
talking about a halftime in eight He's
probably a four L sixty E, so

860
01:02:14.719 --> 01:02:17.719
you know, low side is probably
about seventeen hundred high size probably about thirty

861
01:02:17.760 --> 01:02:22.320
six Okay, so I mean you
might have another thirty six hundred bucks at

862
01:02:22.320 --> 01:02:27.360
some point, and then you have
a brand new power train. What another

863
01:02:27.480 --> 01:02:35.760
engine cost? He just said ten
grand? You said it right, Yeah,

864
01:02:35.920 --> 01:02:37.960
I mean, if you want a
good one, I mean, if

865
01:02:37.000 --> 01:02:40.079
you want a good one with a
good nationwide warranty, it's going to be

866
01:02:40.119 --> 01:02:43.840
ten grand. I'm not saying you
might not be able to pick up a

867
01:02:43.920 --> 01:02:46.039
used one for five, but you
could be in the same boat you're in

868
01:02:46.119 --> 01:02:51.960
now. And that's with all new
hoses, belts, radio. They call

869
01:02:52.039 --> 01:02:54.360
that the installation kit, whole thing. Yeah, I mean all your belts,

870
01:02:54.400 --> 01:03:00.960
your hoses, all of it's going
to be replaced. Man. All

871
01:03:00.039 --> 01:03:04.119
right, thank you very much.
You're welcome. Man, I appreciate the

872
01:03:04.159 --> 01:03:07.199
call. Three oh three seven one
three eight two five five. You know,

873
01:03:07.280 --> 01:03:10.360
it's one of those circumstances that's kind
of rare because it's a pickup and

874
01:03:10.360 --> 01:03:15.280
he uses it for work. If
that was like a little Toyota Corolla or

875
01:03:15.320 --> 01:03:17.639
a Hondai with two hundred and fifty
thousand miles, I tell him to buy

876
01:03:17.639 --> 01:03:21.199
a new car. I wouldn't tell
him to put a nickel in it.

877
01:03:21.400 --> 01:03:23.519
But when you talk about these pickup
trucks, for the life of me,

878
01:03:23.599 --> 01:03:27.800
why are they so expensive? Now? Do you guys remember what like Inn

879
01:03:27.880 --> 01:03:31.840
F one fifty was what fifteen grand
for the base model? Not no more?

880
01:03:32.079 --> 01:03:35.920
Yeah, I mean there's there's f
one fifty. What are they called

881
01:03:35.920 --> 01:03:39.559
platinums? They're one hundred thousand dollars
long. Isn't that crazy? It is

882
01:03:39.639 --> 01:03:44.000
crazy. You bought a nice one
from ROLLI back in the day of Chevy.

883
01:03:44.119 --> 01:03:45.880
I got real lucky on that one. Actually, why why why?

884
01:03:46.000 --> 01:03:49.840
Well, I mean well the story
goes. I mean I was actually,

885
01:03:49.920 --> 01:03:52.480
you know, like I paid my
very last Alimoni Penman Yoh, so I

886
01:03:52.559 --> 01:03:55.239
didn't know that, bro. I
decided to treat myself and the next day

887
01:03:55.320 --> 01:03:58.480
I went out to buy a truck
and I was going to order a half

888
01:03:58.599 --> 01:04:02.360
ton with all these accessories that I
wanted. Well, GM had this three

889
01:04:02.440 --> 01:04:05.719
quarter ton diesel on the lot because
they had it in town for a show

890
01:04:05.719 --> 01:04:08.920
and they didn't want to take it
home, so they told Ronie to get

891
01:04:09.000 --> 01:04:11.199
rid of it. So I got
it for about twenty five hundred dollars more

892
01:04:11.199 --> 01:04:13.960
than I could buy a half ton
for it. Oh wow, And it's

893
01:04:14.000 --> 01:04:15.880
probably because of COVID. It's probably
worth more than you bought it for.

894
01:04:16.000 --> 01:04:18.639
It was probably close to it.
Yeah, yeah, that's crazy. That

895
01:04:18.800 --> 01:04:21.800
happened during COVID. I had a
couple of cars. My daughter got rear

896
01:04:21.880 --> 01:04:26.360
ended, car got totaled. The
insurance paid me more than I bought the

897
01:04:26.400 --> 01:04:30.920
car brand new for, which was
absolutely bonkers. Wait, Charlie's got a

898
01:04:30.960 --> 01:04:33.800
comment on that. Hey, Charlie, what is your comment on that truck

899
01:04:33.840 --> 01:04:39.599
issue. They're just kind of wondering
if the stalling at the stop light that

900
01:04:39.760 --> 01:04:44.760
sounds like a like a torque converter
staying locked up. What do you think,

901
01:04:44.840 --> 01:04:47.199
guys, it's possible, it's generally
not on that issue because there's actually

902
01:04:47.239 --> 01:04:53.280
no feed to the torquerverter clutch on
the four to sixty e in first gear.

903
01:04:53.440 --> 01:04:56.280
Yeah, it sounds to me more
like it's not like it's losing field,

904
01:04:56.719 --> 01:05:00.880
but hold something's coasting into a stopl
They would have to be mechanically locked

905
01:05:00.920 --> 01:05:04.000
up, and then which case it
would do it every time? Okay,

906
01:05:04.760 --> 01:05:08.599
hey, appreciate it, Charlie.
I like people at least thinking of how

907
01:05:08.599 --> 01:05:12.519
to help people. Three oh three
seven one three eight two five five.

908
01:05:12.559 --> 01:05:15.559
We're gonna have some lines open,
Kelly, free up whatever we can there.

909
01:05:15.559 --> 01:05:18.559
We got Brian Burns with Compass Insurance. He's going to be coming on

910
01:05:18.639 --> 01:05:24.039
right after the break and we're going
to talk about stated value right after this.

911
01:05:30.599 --> 01:05:33.679
Go with a sure thing Denver's Best
Roofer Excel roofing dot com. You

912
01:05:33.679 --> 01:05:41.719
don't pay a cent until you're content. Time for an insurance check up free,

913
01:05:41.800 --> 01:05:45.960
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of

914
01:05:46.000 --> 01:05:49.559
insurance companies find out now three oh
three seven to seven to one. Help.

915
01:05:49.719 --> 01:05:54.320
You'll think you're his only customer when
you choose Frank durand the real estate

916
01:05:54.360 --> 01:05:58.760
Man dot com to list your home
with Remax Alliance three oh three nine two

917
01:05:58.840 --> 01:06:11.920
zero sixteen twenty two. All right, three oh three seven one three eight

918
01:06:12.000 --> 01:06:15.119
two five five. That is a
phone number you've been ripped off taking advantage

919
01:06:15.159 --> 01:06:18.800
of. Now I want to go
to one of our experts on referral list

920
01:06:18.920 --> 01:06:24.039
dot com, Brian burns Man.
I've known Brian forever. He shapes our

921
01:06:24.079 --> 01:06:28.239
insurance wos Anaze every single year's shops
U gosh, a lot of people's.

922
01:06:28.280 --> 01:06:31.119
They do commercial policies, they do
individual they do everything. But Brian,

923
01:06:31.159 --> 01:06:35.679
here's my question. Stated value.
Now we all, well, for the

924
01:06:35.679 --> 01:06:39.639
most part, we know what stated
value is. But explain to people what

925
01:06:39.719 --> 01:06:45.760
is stated value policy is on a
classic car? Well, stated value you

926
01:06:45.760 --> 01:06:48.239
would never want on a classic car. Stated value is really just used to

927
01:06:48.320 --> 01:06:54.679
determine a rate. Whenever a vehicle
has a value that's you know, like

928
01:06:54.800 --> 01:06:59.880
if you have a vehicle that's been
date since like nineteen eighty, the ven

929
01:07:00.239 --> 01:07:03.119
will pull up the value For insurance
companies and then they derive a rate off

930
01:07:03.159 --> 01:07:08.519
of that value. Well, when
a car falls outside of that, when

931
01:07:08.519 --> 01:07:12.280
it doesn't pull up that information,
then you have to assess a value in

932
01:07:12.360 --> 01:07:15.920
order for the insurance company to get
rates. The problem is that people hear

933
01:07:15.960 --> 01:07:19.079
stated value and they think that if
something happens to my car, that's what

934
01:07:19.079 --> 01:07:24.000
I'm going to get. But that's
not true. The way an insurance policy

935
01:07:24.079 --> 01:07:29.960
reads is they will pay you aided
value that you've used or the actual cash

936
01:07:30.079 --> 01:07:35.519
value at the time of the loss, whichever is less. Wow. Okay,

937
01:07:35.599 --> 01:07:42.440
so how would you so give an
example where that stated value policy could

938
01:07:42.440 --> 01:07:45.519
backfire on somebody. Let's take Jesse
and the reason I say, Jesse's sitting

939
01:07:45.519 --> 01:07:49.840
next to me. He's got a
motorcycle he paid about five grand for and

940
01:07:49.920 --> 01:07:55.480
he's got a stated value policy of
thirty thousand because you know, they bored

941
01:07:55.519 --> 01:08:00.480
out the engine and did new rims
and tires and just all this different stuff.

942
01:08:00.239 --> 01:08:03.280
Yeah, so at the time of
loss, what they would do if

943
01:08:03.280 --> 01:08:05.960
it's truly stated value and I'll tell
you the difference in a minute. But

944
01:08:06.280 --> 01:08:09.800
if a truly stated value, what
they'll do at the time of loss is

945
01:08:09.800 --> 01:08:15.880
figure out if they could see other
motorcycles of like value that are selling for

946
01:08:15.000 --> 01:08:19.039
much less. In otherwise, in
the words, he could go buy and

947
01:08:19.159 --> 01:08:23.199
pay less than what that stated value, and that's all they're going to give

948
01:08:23.279 --> 01:08:27.119
here, I got you. So
if they can find a comp they would

949
01:08:27.159 --> 01:08:30.000
actually only pay them what that comp
is if it's less. But if the

950
01:08:30.039 --> 01:08:34.000
comp was more, it's not going
to go above that stated value. That's

951
01:08:34.079 --> 01:08:39.720
right. It's a limitation more than
anything. What people want when they want

952
01:08:39.760 --> 01:08:42.079
to get an established value. In
other words, the thing, well,

953
01:08:42.079 --> 01:08:45.319
hold on, let's bring up this. We're going to run out of time.

954
01:08:45.359 --> 01:08:46.520
Here, can I hold you over? We're going to go to the

955
01:08:46.600 --> 01:08:51.079
music. Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

956
01:08:51.119 --> 01:08:59.239
You don't pay a cent until you're
content. Time for an insurance checkup free,

957
01:08:59.319 --> 01:09:02.840
no obligation. In comparison, call
compass insurance paying too much your coverage

958
01:09:02.840 --> 01:09:06.520
at dozens of insurance companies find out
now three oh three seven to seven to

959
01:09:06.560 --> 01:09:11.319
one help. You'll think you're his
only customer when you choose Frank durand the

960
01:09:11.359 --> 01:09:15.920
real estate Man dot com to list
your home with Remax Alliance three oh three

961
01:09:15.000 --> 01:09:28.079
nine two zero sixteen twenty two.
Yeah, ripped off bad news who you

962
01:09:28.199 --> 01:09:34.840
don't have come run in just as
fast as we can. Shooter's gonna help

963
01:09:35.119 --> 01:09:42.920
coming. This is the Troubleshooter Show. No Tom Martinez. Welcome, my

964
01:09:42.960 --> 01:09:45.720
friends to the only show of it's
kind. We're here to solve problems,

965
01:09:45.760 --> 01:09:49.920
answer questions, take complaints. Our
goal is to make your life a little

966
01:09:49.960 --> 01:09:53.880
bit better. You've been ripped off
for taking advantage over maybe just have a

967
01:09:53.960 --> 01:09:59.079
question. That question could be regarding
anything, maybe a bad landlord, maybe

968
01:09:59.119 --> 01:10:02.000
purchasing commerce property, maybe insurance,
which we're going to talk about in a

969
01:10:02.039 --> 01:10:06.279
second. But today's also car Day. We've got three experts in here that

970
01:10:06.399 --> 01:10:11.479
know so much about cars it's incredible. I got Kevin Colkin shared an Auto

971
01:10:11.520 --> 01:10:14.119
Tech. You hear him on the
air all the time. You Also,

972
01:10:14.520 --> 01:10:17.159
to my left side you have Jeff
Vick Kimber Transmission. He's with us all

973
01:10:17.199 --> 01:10:24.600
the time. And then Jesse Schillinger
from Honest Accurate Auto in Colorado Springs.

974
01:10:24.880 --> 01:10:27.520
He's been with us. My goodness, you've been down to the show at

975
01:10:27.640 --> 01:10:30.119
least twenty times over the years,
but you've been with us well over five

976
01:10:30.199 --> 01:10:33.359
years. In fact, ever since
we got on KRDO, I think you've

977
01:10:33.399 --> 01:10:36.359
been with us. YEP, that's
one of our affiliates in the Springs.

978
01:10:36.399 --> 01:10:40.399
They do great work. They've helped
the show out a lot. So here's

979
01:10:40.439 --> 01:10:44.600
the bottom line. Any car questions
three zero three, seven to one three

980
01:10:45.079 --> 01:10:48.680
eight two five five three oho three
Martino, just give us a call right

981
01:10:48.680 --> 01:10:51.800
now. Two lines open. Now. I want to go back to a

982
01:10:51.840 --> 01:10:56.680
conversation we were having with Brian Burns, and I want to bring up the

983
01:10:56.720 --> 01:11:00.119
guy that called in. His name
is Mike, So, Mike, you,

984
01:11:00.119 --> 01:11:02.239
You and I were both talking about
stated value, and up until I

985
01:11:02.279 --> 01:11:06.239
got Brian Burns on, I figured
that's the way we wanted to go.

986
01:11:06.319 --> 01:11:11.760
But I want you to explain to
Brian right now what you're trying to ensure

987
01:11:12.079 --> 01:11:17.720
and for how much. It's a
sixty six Chevelle. And I had it

988
01:11:18.119 --> 01:11:21.720
appraised, I don't know eight years
ago, and it came in at sixty

989
01:11:21.760 --> 01:11:27.760
thousand and as a review on my
insurance, and it seemed a little low.

990
01:11:27.800 --> 01:11:30.640
So I got it appraised again and
it came in into over one hundred.

991
01:11:30.600 --> 01:11:39.079
And I just want to make sure
uncovered if there's if I'm in an

992
01:11:39.079 --> 01:11:43.119
accident, or maybe if one of
the specialty companies would be better to cover

993
01:11:43.199 --> 01:11:45.720
that. So, Brian, help
us out here, what would his best

994
01:11:45.760 --> 01:11:49.359
option be asking whatever questions you need, because there's a lot of people out

995
01:11:49.359 --> 01:11:55.359
there that don't even understand stated value
or when they need it. Yeah,

996
01:11:55.399 --> 01:11:59.359
and so what I would tell you
a stated values on what you want here?

997
01:11:59.439 --> 01:12:03.520
What you want what you call agreed
value. So a greed value is

998
01:12:03.520 --> 01:12:08.159
different than stated in the sense that
you agree upon a value and in the

999
01:12:08.199 --> 01:12:14.000
case of loss, that's what they
pay you. And to your point caller,

1000
01:12:14.319 --> 01:12:16.760
you're I think a specialty company would
be best for you in this situation.

1001
01:12:16.840 --> 01:12:21.920
I'm assuming this is not a regularly
driven car. It's like a pleasure

1002
01:12:21.960 --> 01:12:27.840
use car. Yeah, I maybe
put fifteen hundred or two thousand miles a

1003
01:12:27.920 --> 01:12:32.640
year on it. Yeah. So
a company like Haggardy is something that specializes

1004
01:12:32.840 --> 01:12:40.640
in classic vehicles and their policies are
agreed value. So that's I mean,

1005
01:12:41.279 --> 01:12:44.920
so that's what you should be doing. Yes, that's the route to go.

1006
01:12:45.119 --> 01:12:47.479
Is there any way to ensure a
vehicle Let's say I have a vehicle

1007
01:12:47.880 --> 01:12:51.960
that I think is worth one hundred
thousand dollars Brian, but I mean it's

1008
01:12:53.000 --> 01:12:57.600
not necessarily worth that. Can I
pay extra money to ensure it for one

1009
01:12:57.680 --> 01:13:01.520
hundred thousand or it's always going to
go back to real comps. Yeah,

1010
01:13:01.560 --> 01:13:05.399
so in most insurance company, I
don't know any insurance company will let you

1011
01:13:05.840 --> 01:13:10.279
ensure a vehicle for more than it's
worse. Well, interesting enough, you

1012
01:13:10.359 --> 01:13:14.720
guys do my I'm sure this is
completely different, but I do remember this.

1013
01:13:14.840 --> 01:13:18.680
You guys do my RV policy,
and my RV policy was for a

1014
01:13:18.920 --> 01:13:24.600
dollar amount. I was my understanding. Am I wrong in that? Nope?

1015
01:13:24.640 --> 01:13:28.359
And so a lot of RVs are
stated value in the first couple of

1016
01:13:28.479 --> 01:13:32.399
years that you buy them, replacement
value YEP, or replacement that's right.

1017
01:13:32.960 --> 01:13:36.880
Unlike cars, after a certain time, it balls off and goes to actual

1018
01:13:36.920 --> 01:13:42.079
cash value though even on rbs.
Yeah, hey, speaking of that stuff,

1019
01:13:42.159 --> 01:13:46.039
is there any automotive policies, not
RVs, but car policies, truck

1020
01:13:46.079 --> 01:13:51.319
whatever, that actually have that free
replacement or like you get a brand new

1021
01:13:51.319 --> 01:13:55.479
one the first year. Is that
even a thing? There's Yeah, there's

1022
01:13:55.520 --> 01:14:00.520
companies that offer a an endorsement on
a brand new car that you and get

1023
01:14:00.600 --> 01:14:02.920
replacement value, and exactly what you
said, it falls off after I think

1024
01:14:03.119 --> 01:14:05.560
if you have it on there from
the get go, it falls off after

1025
01:14:05.600 --> 01:14:11.800
three years. Wow, Mike,
you got any other questions? I think

1026
01:14:11.840 --> 01:14:15.760
that's it, and let's he knows. I know he mentioned Haggarty that there's

1027
01:14:15.800 --> 01:14:17.800
a ton of those guys out there. Are there any that are better or

1028
01:14:17.840 --> 01:14:23.399
worse than Yeah, Brian, is
there any that have horrible reputations? And

1029
01:14:23.479 --> 01:14:27.840
any that you've had great luck with? Haggarty is who we usually use just

1030
01:14:27.840 --> 01:14:31.239
because they're They're one of the most
well known companies out there for classic vehicles,

1031
01:14:31.319 --> 01:14:34.720
and in their rates are fantastic.
I mean, you can you can

1032
01:14:34.760 --> 01:14:40.960
get really inexpensive insurance for nice vehicles. Mike, where have you found rates

1033
01:14:40.960 --> 01:14:45.960
bouncing from the companies? Did you
find Haggarty less or what they were they

1034
01:14:46.000 --> 01:14:49.079
were? I've only gotten two quotes, but they were right in there.

1035
01:14:49.119 --> 01:14:54.279
They might have been a little less. Yeah, I would trust. I

1036
01:14:54.319 --> 01:14:58.159
would trust what Brian says. Brian, can you shot more than Haggarty or

1037
01:14:58.239 --> 01:15:00.600
is that the only one you used
for these kind of We have a couple

1038
01:15:00.640 --> 01:15:03.520
carriers, but that's who I would
go to first. Okay, a classic

1039
01:15:03.600 --> 01:15:06.800
vehicle like that, I'd take,
Mike, I'd listen to him. Man,

1040
01:15:06.840 --> 01:15:11.920
this guy's been in the insurance business
forever. And on top of that,

1041
01:15:12.000 --> 01:15:14.760
if you ever did have a problem, if something happened to that car

1042
01:15:14.760 --> 01:15:17.520
and you had to argue that stated
value, I guarantee Brian would go to

1043
01:15:17.600 --> 01:15:20.079
bad for you. So you might
even want to call him up and have

1044
01:15:20.199 --> 01:15:24.560
him shop around. But I mean
seriously, Mike. And then while you're

1045
01:15:24.560 --> 01:15:27.720
at it, like I tell everybody, send them over your deck page on

1046
01:15:27.760 --> 01:15:30.920
your regular cars homeowners. He could
save you money. Make sure you're not

1047
01:15:30.039 --> 01:15:34.520
under insured. The name is Compass
Insurance, Brian Burns. I appreciate it.

1048
01:15:35.000 --> 01:15:40.319
You can go to the insurancehelp Center
dot com to get all of his

1049
01:15:40.439 --> 01:15:44.000
contact information, or you can call
Compass at three h three nine ninety six

1050
01:15:44.159 --> 01:15:47.560
nine thousand. Man, this guy
wants to know about electric cars. By

1051
01:15:47.600 --> 01:15:51.000
the way, we got we've got
one two lines open. You've been ripped

1052
01:15:51.000 --> 01:15:55.359
off taking advantage of you Know.
What I've noticed lately is the twelve to

1053
01:15:55.399 --> 01:16:00.520
one o'clock hour is our slowest.
Then it picks up like crazy from one

1054
01:16:00.600 --> 01:16:04.239
to I wonder why that is?
Why is that what people are eating?

1055
01:16:04.319 --> 01:16:09.640
They're going down the lunch they're literally
eating. Yeah, it's crazy, man,

1056
01:16:09.720 --> 01:16:12.359
it's crazy. Tom and I have
talked about that Jim, what is

1057
01:16:12.399 --> 01:16:20.840
your question on an electric vehicle?
Yes, yes, Jim. Well,

1058
01:16:21.279 --> 01:16:25.279
I guess Jim didn't know how to
use a phone. Jim, please feel

1059
01:16:25.279 --> 01:16:29.399
free to call back three zero three
seven one three A two five five.

1060
01:16:29.399 --> 01:16:31.319
I'll tell just some good, bad
nuglies. I've been driving. Well,

1061
01:16:31.359 --> 01:16:36.000
I'm sorry, who said what?
Oh? Hold on a second, hey,

1062
01:16:36.079 --> 01:16:43.079
Jim, go ahead, Matt.
Uh, yes, I'm calling about

1063
01:16:43.119 --> 01:16:48.520
electric vehicle, Yes, sir.
And I was wondering, like when you

1064
01:16:48.600 --> 01:16:56.680
take them in for uh service.
I was wondering how much would a service

1065
01:16:56.840 --> 01:17:03.920
charge be and and if it is
like a regular gas where if you have

1066
01:17:04.000 --> 01:17:13.840
a spot club that need to be
changed and you need to wait? No,

1067
01:17:13.840 --> 01:17:16.239
no, I like your question.
I mean for us in the room,

1068
01:17:16.680 --> 01:17:19.359
it's kind of a basic thing.
And I'm gonna let these guys chime

1069
01:17:19.399 --> 01:17:25.079
in. But electric's totally different.
Man. I've had our electric vehicle for

1070
01:17:25.199 --> 01:17:28.720
how long have you had a babe? Like a year? Maybe? Yeah?

1071
01:17:28.800 --> 01:17:31.720
There is no real there's a couple
of things about electric cars, and

1072
01:17:31.800 --> 01:17:35.000
all I can talk to is about
Tesla because that's kind we on. So

1073
01:17:35.760 --> 01:17:40.319
there is no maintenance, I mean
there really isn't you know. We checked

1074
01:17:40.359 --> 01:17:44.439
highre depth. I don't think I'll
ever put brake pads on it because it

1075
01:17:44.520 --> 01:17:47.079
kind of slows down on itself.
If you've ever driven one, I don't

1076
01:17:47.079 --> 01:17:51.439
know of any maintenance. Now there
is what they call recalls, and everybody

1077
01:17:51.600 --> 01:17:56.079
is seen where all of a sudden, on the news it'll say Tesla has

1078
01:17:56.159 --> 01:18:00.640
eight million recalls. And it's so
unfair because because if you have a recall

1079
01:18:00.680 --> 01:18:04.840
on a Ford or a Chevy,
or any gasoline motor or hybrid for that

1080
01:18:04.920 --> 01:18:10.600
matter, what that generally means is
you got to bring it into the dealer

1081
01:18:10.640 --> 01:18:14.159
and they got to check it out
on a safety recall. Tesla is completely

1082
01:18:14.159 --> 01:18:18.039
different. I'm not saying that never
happens, but generally every recall you see

1083
01:18:18.079 --> 01:18:21.119
on Tesla, everyone I've ever seen, and I've seen a ton of them

1084
01:18:21.119 --> 01:18:26.520
since I've owned it. It's a
software update and you have no control over

1085
01:18:26.560 --> 01:18:29.880
it. You'll just be driving and
it gets updated, and next thing you

1086
01:18:29.960 --> 01:18:32.079
know, your car's a little different. I'll give you a good a good

1087
01:18:32.119 --> 01:18:36.720
thing. If I put it on
autopilot and take my hands off the wheel

1088
01:18:36.760 --> 01:18:41.960
for a certain amount of time,
it'll yell at me and want to take

1089
01:18:42.000 --> 01:18:46.600
itself out of autopilot, which it
will, and then it'll penalize you by

1090
01:18:46.640 --> 01:18:51.319
not allowing you to use autopilot till
it comes to a complete stop and you

1091
01:18:51.399 --> 01:18:55.720
put it in park. Then you
can go back to driving, say it

1092
01:18:55.760 --> 01:18:59.840
a stop sign and use autopilot again. If you go too fast in auto

1093
01:18:59.800 --> 01:19:04.520
pilot, if I go over eighty
five when I'm an autopilot, it'll just

1094
01:19:04.680 --> 01:19:09.680
it'll God, it's crazy, red
lights everywhere, flashing on the dash,

1095
01:19:09.920 --> 01:19:13.880
babe, bpep. And then it
punishes you. It says, no more

1096
01:19:13.920 --> 01:19:17.760
autopilot till you stop. So some
of the updates have been because of autopilot.

1097
01:19:17.800 --> 01:19:21.319
The last one was this. It
used to be x amount of time

1098
01:19:21.359 --> 01:19:26.159
with your hands off the wheel,
it would start this process. Now,

1099
01:19:26.199 --> 01:19:30.840
depending on how fast you're going,
it's almost instant. All of a sudden,

1100
01:19:30.880 --> 01:19:34.079
if I just take my hands off
the reach behind me, it'll start

1101
01:19:34.199 --> 01:19:40.399
bitching. Where before that update I
might have had twenty seconds. So when

1102
01:19:40.399 --> 01:19:43.800
it comes to recalls here, but
going back to the caller, there's no

1103
01:19:44.079 --> 01:19:45.920
And tell me, guys, can
you think of any maintenance I would have

1104
01:19:46.000 --> 01:19:51.159
to do. I'm thinking I don't
remember anybody telling me any maintenance when I

1105
01:19:51.199 --> 01:19:54.479
bought the car or picked up the
car. I don't even know what I

1106
01:19:54.479 --> 01:19:59.319
would do other than inspections for suspension
breaks that kind of thing. I mean,

1107
01:19:59.359 --> 01:20:00.560
there's really noth what you can do, and that could be in the

1108
01:20:00.600 --> 01:20:04.039
manual. But once again with Tesla, it'll just pop up on my app

1109
01:20:04.079 --> 01:20:08.760
if there's something I'm supposed to do. It'll say, hey, there's something

1110
01:20:08.760 --> 01:20:12.760
you're supposed to do. So Jim, there really is nothing there. What

1111
01:20:12.840 --> 01:20:15.920
other questions you have on electric cars? There is no oil change. Like

1112
01:20:16.039 --> 01:20:20.319
Kevin said, you might check the
brakes, but I can't imagine ever putting

1113
01:20:20.319 --> 01:20:25.920
brake pads on a Tesla. I'm
sure it's happened, but you never use

1114
01:20:26.000 --> 01:20:29.439
the brake once it needs to be
a line and it still has a suspension

1115
01:20:29.479 --> 01:20:31.399
and things of that sort of thing. I agree with that roads you have

1116
01:20:31.439 --> 01:20:34.119
to maintain that. Yeah, yeah, I agree with that. But Jim,

1117
01:20:34.159 --> 01:20:39.239
what other questions you have? Are
you thinking of getting one? Yes?

1118
01:20:39.680 --> 01:20:44.199
I was thinking about getting one.
But when you come to like you

1119
01:20:44.279 --> 01:20:51.960
said, the suspension and wheel alignments
and stuff like that, how much would

1120
01:20:53.279 --> 01:20:57.399
would that actually call? Well?
I would think, do you not have

1121
01:20:57.520 --> 01:21:00.840
specs? I mean, I'd never
thought of this before. Do you have

1122
01:21:00.960 --> 01:21:04.840
specs on Tesla? Yeah, so
you wouldn't charge anymore for a Tesla for

1123
01:21:04.880 --> 01:21:10.479
an alignment. They're right in their
cars. Yeah, it's the same price

1124
01:21:10.479 --> 01:21:16.640
you'd pay on anything. Oh okay, so what what tell me why you're

1125
01:21:16.680 --> 01:21:21.479
asking these questions? Or are you
looking at buying a particular vehicle? Yes,

1126
01:21:21.640 --> 01:21:26.399
I was, ma'am. My wife
was thinking about buying an electric vehicle.

1127
01:21:26.640 --> 01:21:33.079
Okay, but we wasn't sure on
some of the cross that afterwards went

1128
01:21:33.199 --> 01:21:42.560
like when you buy a regular car, then these other little things jump up

1129
01:21:42.960 --> 01:21:49.479
and and I was wondering, how
much would that uh call and uh like

1130
01:21:49.960 --> 01:21:55.039
jasoline vehicle, if the spot plugs, I just need to go. H.

1131
01:21:55.119 --> 01:21:58.640
You probably could wait a little bit
and then get that done. But

1132
01:21:58.800 --> 01:22:03.199
with electric vehicle, if something come
up, wheel alignment, something was wrong

1133
01:22:03.239 --> 01:22:12.479
with the engine, with the battery, something, the price, that's what

1134
01:22:12.640 --> 01:22:20.000
I was kind of one that would
be an astronomical price during the battery fixing

1135
01:22:20.039 --> 01:22:26.279
the battery. If they say,
well you need a new battery, guys,

1136
01:22:26.399 --> 01:22:30.600
that's probably the largest expense on that
car. But depending a lot of

1137
01:22:30.640 --> 01:22:32.079
them, not just Tesla, I
think a lot of them are seven or

1138
01:22:32.119 --> 01:22:39.159
ten years on the battery. Yeah, and how much would a battery cost.

1139
01:22:40.279 --> 01:22:43.079
That's going to depend on the vehicle
you choose. I don't think you

1140
01:22:43.119 --> 01:22:46.359
would. I don't think you'd do
it. Maybe, I mean, I

1141
01:22:46.439 --> 01:22:49.840
really don't. I think I would
get rid of my electric car well before

1142
01:22:49.880 --> 01:22:54.239
the battery was at a warranty.
But that's just me, man. But

1143
01:22:54.359 --> 01:23:00.520
you could cost I think my battery
for the long range model asses, I

1144
01:23:00.560 --> 01:23:05.119
would bet every bit of thirty thousand, twenty thousand ago five to twenty thousand,

1145
01:23:05.159 --> 01:23:09.239
depending on your model. On the
Tesla, yeah, so twenty grand

1146
01:23:09.319 --> 01:23:14.239
man. Oh, but you're talking
Tesla, that's ten years. That's ten

1147
01:23:14.319 --> 01:23:17.720
years. It claims between ten to
twenty you'll have to replace it ten to

1148
01:23:17.760 --> 01:23:20.920
twenty years. And here's the thing
with batteries, I'll say this guys.

1149
01:23:21.600 --> 01:23:26.319
So how their warranty works is if
I don't get eighty percent, that's when

1150
01:23:26.359 --> 01:23:31.439
they consider it a replacement under warranty. So if you're running, if your

1151
01:23:31.560 --> 01:23:35.359
battery after a year the capacity was
one hundred percent and now you have the

1152
01:23:35.399 --> 01:23:39.600
same but only ninety five percent,
they don't replace it. It's got to

1153
01:23:39.680 --> 01:23:43.439
drop a low eighty. So just
thinking of a battery in general. When

1154
01:23:43.520 --> 01:23:47.039
Jeff says ten to twenty years,
that makes sense because a battery, once

1155
01:23:47.079 --> 01:23:50.399
it's out of warranty, you say, year fifteen, you might only get

1156
01:23:50.600 --> 01:23:56.800
forty percent capacity, but it still
works one hundred percent, just like a

1157
01:23:56.840 --> 01:24:00.359
phone battery. How many of us
has owned a phone in the couple of

1158
01:24:00.399 --> 01:24:03.920
years go by and your iPhone now
is twelve hours instead of two days.

1159
01:24:05.039 --> 01:24:09.520
Yeah, yeah, it's kind of
cool though, if you guys don't want

1160
01:24:09.520 --> 01:24:13.800
to buy gas anymore now? Tesla
I like the Model Less just because of

1161
01:24:13.840 --> 01:24:16.880
the speed, But that's a totally
different thing. Man Hondai, what do

1162
01:24:16.960 --> 01:24:21.199
you guys like as far as electrics? I mean, really, all everybody

1163
01:24:21.239 --> 01:24:25.920
really knows is Tesla. I mean, do you guys have any comments on

1164
01:24:26.000 --> 01:24:30.079
him? I prefer the Cummings myself, the Cummins Electric. Yeah, pulling

1165
01:24:30.079 --> 01:24:33.960
a big skidster behind you with that
electric. I had a friend Tony.

1166
01:24:34.039 --> 01:24:39.199
He owns He used to be garage
kings, but now it's what is it,

1167
01:24:39.279 --> 01:24:44.560
Suzanne? You remember elite garage,
so elite garage flooring. He waited

1168
01:24:44.600 --> 01:24:49.000
a year a year to get his
f one fifty lightning? Is that what

1169
01:24:49.039 --> 01:24:53.079
they called it? So? And
it's supposed to be able to run your

1170
01:24:53.079 --> 01:24:56.399
house and all this really cool,
supposed to get pretty good. He hooked

1171
01:24:56.439 --> 01:25:00.000
up his trailer. His trailer is
a enclosed trailer that's made I don't know,

1172
01:25:00.039 --> 01:25:02.840
twenty five feet tops, maybe twenty
feet, it's not that big.

1173
01:25:03.039 --> 01:25:06.960
And he's got all his buffers and
sanders and stuff to do garage floors and

1174
01:25:08.039 --> 01:25:11.840
the coatings. He would get listen
to this, he'd get twenty miles pulling

1175
01:25:11.880 --> 01:25:15.760
it twenty miles. He ended up
selling it after waiting a year and buying

1176
01:25:15.760 --> 01:25:19.239
a truck. So there's there's a
lot of reasons not to buy an electric,

1177
01:25:19.520 --> 01:25:24.520
especially a pickup. You got any
other questions? Man, Uh no,

1178
01:25:25.079 --> 01:25:29.479
Uh you aff at it? Uh? Real good funny. All right,

1179
01:25:29.520 --> 01:25:32.119
Well, I appreciate Tevy. Hey
Jim, you ever have any questions,

1180
01:25:32.159 --> 01:25:36.399
you can always call back up her
email at Helpatroubleshooter dot com. Put

1181
01:25:36.439 --> 01:25:41.119
mark in the subject I'll get it
three zho three seven one three eight two

1182
01:25:41.159 --> 01:25:43.760
five five dragon. I am way
the heck over, aren't I? I

1183
01:25:43.800 --> 01:25:46.640
have got to take a break.
We're gonna come back talk about an issue

1184
01:25:46.680 --> 01:25:54.319
with Smile Direct Club. And I
know if Smile Direct Club, I'm pretty

1185
01:25:54.359 --> 01:26:00.520
I get that one confused with another
dentist conglomerate at all pools into advertising.

1186
01:26:00.600 --> 01:26:11.319
Let's see what happens. Hold tight, go with a sure thing Denver's best

1187
01:26:11.399 --> 01:26:15.439
roofer Excel Roofing dot com. You
don't pay a cent until you're content.

1188
01:26:17.800 --> 01:26:23.960
Time for an insurance check up free, no obligation comparison call Compass Insurance paying

1189
01:26:23.960 --> 01:26:28.039
too much your coverage at dozens of
insurance companies find out now three all three

1190
01:26:28.199 --> 01:26:30.560
seven to seven to one. Help. You'll think you're his only customer when

1191
01:26:30.560 --> 01:26:34.279
you choose Frank durand the real estate
man dot com to list your home with

1192
01:26:34.399 --> 01:26:41.880
Remax Alliance three all three nine two
zero sixteen twenty two. All right,

1193
01:26:41.920 --> 01:26:45.039
folks, three zero three seven one
three A two five five. I've got

1194
01:26:45.079 --> 01:26:46.880
to ask everybody. And then we're
going to go to Leanne with a Smile

1195
01:26:46.960 --> 01:26:51.199
Direct Club. I'm pretty sure that's
where a different dentists get together and they

1196
01:26:51.199 --> 01:26:55.520
all pitch in to enter a group. What was the one you just said,

1197
01:26:55.600 --> 01:26:59.720
Jeff Comfort Comfordental. We used to
get complaints on Comfordental like you wouldn't

1198
01:26:59.760 --> 01:27:02.000
believe. But what I've come to
learn about a lot of these places is

1199
01:27:02.399 --> 01:27:06.000
it's not even like a franchise.
All they are is like an advertising group

1200
01:27:06.039 --> 01:27:08.960
for the most part. But we're
going to find that out. But I

1201
01:27:09.000 --> 01:27:11.720
wanted to ask you guys, what
are you doing this weekend? Man?

1202
01:27:11.800 --> 01:27:15.439
Anything? Kevin, I'm not sure
yet. I have no plans. Why

1203
01:27:15.479 --> 01:27:19.560
not open on Saturdays? No way. I have asked him that one hundred

1204
01:27:19.640 --> 01:27:23.800
times. When I had the good
years, I would open. I was

1205
01:27:23.840 --> 01:27:27.399
open on Saturday in every store.
But no, that's not true. DTC,

1206
01:27:27.600 --> 01:27:30.159
we weren't. But Sundays I was
opening Castlerock. But all we would

1207
01:27:30.159 --> 01:27:32.840
do is tires. We sold a
lot of tires. Yeah no, but

1208
01:27:32.960 --> 01:27:38.039
I mean the skill My high skill
guys will not work Saturday. That's it.

1209
01:27:38.079 --> 01:27:40.359
They'll go somewhere else. I'll go
somewhere else, so you know what's

1210
01:27:40.399 --> 01:27:42.960
good for them? Yeah? Yeah, Jesse, what are you doing man?

1211
01:27:43.039 --> 01:27:45.279
You guys open Saturday in the Springs? No? No, And Jeff,

1212
01:27:45.319 --> 01:27:48.640
I know you're not through Friday seven
to five. Yeah. Plus that

1213
01:27:48.680 --> 01:27:53.399
makes payroll easy, right, everybody
everybody's happy you get two days off.

1214
01:27:54.000 --> 01:27:56.920
You guys are happy because I mean, you might have overtime on some of

1215
01:27:56.960 --> 01:28:00.960
the hour league guys, but in
general, it's nice and I like that

1216
01:28:00.079 --> 01:28:04.439
actually makes a happy employee, which
generally makes a happy customer. Leanne,

1217
01:28:04.439 --> 01:28:11.279
what's going on with you? Yes, I signed a First Mile Direct club

1218
01:28:11.359 --> 01:28:15.520
and I was listening and they actually
are a more affordable version of like a

1219
01:28:15.800 --> 01:28:19.239
Visi line. Got it. However, they've since gone out of business.

1220
01:28:19.279 --> 01:28:24.880
Oh you know what. I saw
that. Oh my goodness, I saw

1221
01:28:24.920 --> 01:28:28.680
that, and they left a lot
of people. Oh this is crazy,

1222
01:28:28.720 --> 01:28:33.199
and getting refunds is very hard,
isn't it. I So here's where I'm

1223
01:28:33.279 --> 01:28:38.640
at. I was current and up
to date on my payment. I still

1224
01:28:38.720 --> 01:28:43.560
have four months left of my program. Yeah, and they've since closed.

1225
01:28:43.760 --> 01:28:47.359
I'm not get in touch with anyone. They're still charging me and I got

1226
01:28:48.279 --> 01:28:54.199
reported to my credit report today for
stopping payments. You know this, This

1227
01:28:55.039 --> 01:29:00.159
this is so crazy. I read
an article on this. I mean it's

1228
01:29:00.199 --> 01:29:03.760
been a little bit. I mean
it really has been a little bit,

1229
01:29:04.199 --> 01:29:10.479
but exactly what you're talking about.
I don't understand the bankruptcy aspect. While

1230
01:29:10.479 --> 01:29:14.439
they're still charging your credit card,
but you're getting nothing now, you're getting

1231
01:29:14.479 --> 01:29:18.319
absolutely zero. I would like to
have I'll tell you who I'd love to

1232
01:29:18.359 --> 01:29:23.720
have. Suzanne, can you see
if we can get Jeff brian and on.

1233
01:29:24.600 --> 01:29:27.720
I would love to get Jeff brian
and On if he would come on.

1234
01:29:28.199 --> 01:29:32.479
This guy does bankruptcies for big,
big, big companies. We're not

1235
01:29:32.560 --> 01:29:38.880
talking individual no assets. This guy
does stuff like this, and I want

1236
01:29:38.880 --> 01:29:43.760
to understand how that's even possible.
Hold on, I really am looking forward

1237
01:29:43.800 --> 01:29:45.880
to this. I'm hoping we can
get Jeff. Everybody, hold tight,

1238
01:29:45.920 --> 01:29:49.680
I want to take a quick break
because I'm so late on that first one.

1239
01:29:49.720 --> 01:29:53.319
Then we'll be back on track.
Hopefully I can have Jeff brian On

1240
01:29:53.439 --> 01:30:02.600
right after this. Go with a
sure thing Denver's Best roofer Excel Roofing dot

1241
01:30:02.640 --> 01:30:10.319
com. You don't pay a cent
until you're content. Time for an insurance

1242
01:30:10.399 --> 01:30:14.960
checkup free, no obligation. In
comparison, call Compass Insurance paying too much

1243
01:30:15.079 --> 01:30:18.079
your coverage at dozens of insurance companies
find out now three all three seven to

1244
01:30:18.119 --> 01:30:21.760
seven to one help. You'll think
you're his only customer when you choose Frank

1245
01:30:21.840 --> 01:30:27.439
durand the real estate Man dot com
to list your home with Remax Alliance three

1246
01:30:27.439 --> 01:30:31.840
all three nine two zero sixteen twenty
two. You know, I don't know

1247
01:30:31.880 --> 01:30:35.560
if I'm going to be able to
get Jeff Brianan and Suzanne's got a text

1248
01:30:35.560 --> 01:30:38.880
out to him. I hope so. But I'm reading about this and I

1249
01:30:38.960 --> 01:30:43.319
actually understand it, but I still
got a lot of questions on the bankruptcy

1250
01:30:43.359 --> 01:30:46.439
aspect to this. But Leanne called
up, like like a lot of people,

1251
01:30:46.560 --> 01:30:51.319
she signed up for Smile Direct Club. It's an invisi liner. Actually,

1252
01:30:51.359 --> 01:30:55.159
what's the other one? What's the
retail one? The one everybody's heard

1253
01:30:55.159 --> 01:30:57.800
of. Isn't it called ins in
visi line? Or what is it?

1254
01:30:57.880 --> 01:31:00.960
In a visi line and visi line? So it's kind of a knockoff,

1255
01:31:00.000 --> 01:31:04.119
if you will. They went bankrupt. Here's the problem. If you financed,

1256
01:31:04.159 --> 01:31:08.399
and I'm going to ask her,
but I'm assuming, Hey, hey,

1257
01:31:08.479 --> 01:31:13.880
Leanne, you actually financed through Smile
Direct Club And actually the bank they

1258
01:31:14.000 --> 01:31:18.680
used is HFD. Does that sound
familiar? Yes? Correct? So this

1259
01:31:18.840 --> 01:31:24.000
is horrible. I want to explain
this the best I can so people can

1260
01:31:24.119 --> 01:31:29.760
understand how this company went out of
business. But she still owes money to

1261
01:31:29.840 --> 01:31:34.680
them every single month and doesn't get
anything for it up until the bankruptcy.

1262
01:31:34.960 --> 01:31:41.319
What would you get each month adjustments? How would it work? So in

1263
01:31:41.359 --> 01:31:45.000
the very beginning you get your whole
entire program sent to you, and then

1264
01:31:45.199 --> 01:31:49.840
if it wasn't completed, I went
back in and they scanned me to complete

1265
01:31:49.880 --> 01:31:55.960
the continued process. Okay, here's
what sucks. And this goes for virtually

1266
01:31:56.399 --> 01:32:00.720
anything, anything that has financing that
is not through the actual company, and

1267
01:32:00.760 --> 01:32:05.279
that's pretty much anything. A good
example of this would be, in fact,

1268
01:32:05.359 --> 01:32:08.880
Kevin, we were talking, what
do you think the best example for

1269
01:32:08.960 --> 01:32:11.760
me to explain this, Well,
if you buy a car that's you can

1270
01:32:11.840 --> 01:32:14.239
tell you a potlot, you know, and you get mad at the dealer

1271
01:32:14.479 --> 01:32:16.920
and you stop making payments. Yep, that's a great finance company is the

1272
01:32:16.920 --> 01:32:20.039
one who bought the paper? Yep, So sell you the car. So

1273
01:32:20.079 --> 01:32:25.600
here's what happened. You entered into
an agreement with Smile Club or whatever it's

1274
01:32:25.600 --> 01:32:28.640
called. And let's say it was
I don't know how much was it?

1275
01:32:28.680 --> 01:32:32.439
Tell me one thousand, No,
it is. The total comes to twenty

1276
01:32:32.439 --> 01:32:36.800
two hundred, lordie, so twenty
two hundred. What they did is they

1277
01:32:36.840 --> 01:32:41.279
sold it to you, they had
you under contract, they turned around and

1278
01:32:41.359 --> 01:32:45.920
sold it to HFD. And I'm
saying this in very layman's terms. HFD

1279
01:32:45.119 --> 01:32:49.039
most likely paid them ninety percent of
that, and that's where they make some

1280
01:32:49.119 --> 01:32:53.880
money because HFD is going to collect
a full amount from you, plus interest

1281
01:32:54.000 --> 01:33:00.840
whatever that is. So HFD literally
already paid Smile Direct, so they have

1282
01:33:00.079 --> 01:33:04.119
their money. You entered into an
agreement with them while you were doing this

1283
01:33:04.279 --> 01:33:08.520
financing option, and if you read
the small print, I'm sure it's there

1284
01:33:08.840 --> 01:33:14.039
that basically, no matter what,
you realize, you owe HFD money and

1285
01:33:14.119 --> 01:33:16.680
you're going to have to pay that
no matter what period, end of story.

1286
01:33:16.960 --> 01:33:20.920
And that's where you're at right now. The company you actually bought it

1287
01:33:20.960 --> 01:33:26.560
from, the is in bankruptcy and
they're done. They're not even doing business

1288
01:33:26.560 --> 01:33:30.479
anymore. So it's gone and over. But that is not who you're dealing

1289
01:33:30.520 --> 01:33:32.520
with on payments. You're dealing with
the bank, and the bank's saying,

1290
01:33:32.560 --> 01:33:34.760
no matter what, you still owe
us money, so you got to pay

1291
01:33:34.840 --> 01:33:39.720
us. That's how they did it
because your agreement is with the bank.

1292
01:33:39.760 --> 01:33:44.479
At this point, the people that
screwed you are either in a chapter eleven

1293
01:33:44.640 --> 01:33:47.560
or they've already gone by by in
a chapter thirteen and they're gone. But

1294
01:33:47.760 --> 01:33:50.800
there's nothing you're going to do there. You're not going to recoup any money

1295
01:33:51.000 --> 01:33:55.880
unless if there's money left over from
the trustee to go back to poor people

1296
01:33:56.000 --> 01:33:59.119
like you. But the bottom line
is, I don't think there is They

1297
01:33:59.159 --> 01:34:03.039
had almost a billion dollars in debt
when they pulled the trigger on the bankruptcy.

1298
01:34:03.279 --> 01:34:06.199
I mean, this is not good
for you or anybody else. So

1299
01:34:06.239 --> 01:34:09.920
it is going to hurt your credit. And I don't think there's a damn

1300
01:34:09.960 --> 01:34:15.239
thing you can do about it.
Oh wow, Okay, it sucks.

1301
01:34:15.840 --> 01:34:18.359
It sucks. I mean it really
sucks. I just read up on it.

1302
01:34:18.399 --> 01:34:23.359
I still would like to have Jeff
on because the part I don't now.

1303
01:34:23.479 --> 01:34:26.319
I do understand it. I know
exactly how they did it, and

1304
01:34:26.600 --> 01:34:29.600
I don't see any wiggle room there. But I think it really sucks.

1305
01:34:29.840 --> 01:34:32.720
You have nobody to go after because
they put up this big umbrella, this

1306
01:34:32.800 --> 01:34:38.520
big bankruptcy umbrella, to shield them
from people that they screwed over. I

1307
01:34:38.520 --> 01:34:42.359
mean, they really did, and
god, it just sucks. How many

1308
01:34:42.439 --> 01:34:46.640
more payments do you have with them? I think I still have four months

1309
01:34:46.680 --> 01:34:50.520
worth? Oh my god, let
me ask you this, how many months

1310
01:34:50.560 --> 01:34:56.720
back are you now? So honestly, I need to sit down and go

1311
01:34:56.800 --> 01:35:00.119
over it all again. I just
have the opportunity to finally reach out for

1312
01:35:00.159 --> 01:35:02.000
you to see what else I need
to do. So I don't know that

1313
01:35:02.159 --> 01:35:05.920
exactly off the top of my head. Yeah, hoping that I would have

1314
01:35:06.000 --> 01:35:10.479
some answers. How much do and
how much do you? Woe all together?

1315
01:35:10.600 --> 01:35:13.159
Forget about just this. Do you
have a lot of credit card debt?

1316
01:35:13.239 --> 01:35:15.600
And I'm just trying to figure out
and I don't want this to scare

1317
01:35:15.640 --> 01:35:19.520
you. I'm trying to figure out
if bankruptcy might be a good option for

1318
01:35:19.560 --> 01:35:24.520
you. No, I'm actually very
blessed and I don't have a lot of

1319
01:35:24.560 --> 01:35:28.560
credit card debt. My concern was
just it's a side note of I'm in

1320
01:35:28.600 --> 01:35:30.920
recovery. I busted my butt to
get back on track, and I don't

1321
01:35:30.960 --> 01:35:34.279
have this kind of funding it all. So I just was trying to see

1322
01:35:34.279 --> 01:35:36.640
what I can do. No,
thank you so much for your help.

1323
01:35:36.720 --> 01:35:40.520
You're welcome, and I wish I
had better most for you. Called the

1324
01:35:40.560 --> 01:35:43.279
bank and see if you work it
out with them. Oh, there's nothing

1325
01:35:43.359 --> 01:35:45.760
wrong. There's nothing wrong with that, Kevin. And just pay it off

1326
01:35:45.800 --> 01:35:48.600
if you take it off my credit
I've done that before. Or see if

1327
01:35:48.600 --> 01:35:51.479
they'll take a lesser amount and just
pay it all off and take it off

1328
01:35:51.479 --> 01:35:55.960
your credit because there they know that
there's nothing coming at the end of the

1329
01:35:56.000 --> 01:35:58.479
day. So if you can make
a settlement with them, it's just I

1330
01:35:58.520 --> 01:36:01.319
would try that. It does.
It sucks so bad. I feel so

1331
01:36:01.479 --> 01:36:04.479
bad for these people. You know. The one thing I didn't ask her

1332
01:36:04.520 --> 01:36:06.680
hold on, I want to see
if she's still there. Hey, LeAnn,

1333
01:36:06.680 --> 01:36:11.039
are you still there? Yes?
I ask I had a question if

1334
01:36:11.079 --> 01:36:13.840
okay, yeah, hold on,
let me ask you one this one.

1335
01:36:13.880 --> 01:36:17.000
I'm being dead serious. Did the
product actually work? Though? Yes,

1336
01:36:17.199 --> 01:36:20.319
I say, I'm really sad that
it's not moving forward because I have to

1337
01:36:20.359 --> 01:36:24.239
start all over now. But it
did work. Oh, it sucks,

1338
01:36:24.279 --> 01:36:27.800
all right, go ahead. What
was your question? So? I was

1339
01:36:27.880 --> 01:36:31.479
hoping then to do what your guys
mentioned is possibly do a settlement and credit.

1340
01:36:31.560 --> 01:36:34.239
Who do I reach out to to
do that? Well, I know,

1341
01:36:34.720 --> 01:36:39.079
listen, there's you're ripe for ripoff. If you try to hire a

1342
01:36:39.119 --> 01:36:42.600
company to do it, I would
call them individually and just you know,

1343
01:36:42.760 --> 01:36:46.760
I don't kind of plead the poverty
plead whatever your case is. I don't

1344
01:36:46.760 --> 01:36:50.039
know if i'd get into the recovery
aspect, but what I would say is

1345
01:36:50.039 --> 01:36:55.199
something along this is like look,
I don't make much at all, and

1346
01:36:55.600 --> 01:36:59.159
if I can give you a lump
sum of say half, can we make

1347
01:36:59.199 --> 01:37:03.039
this go away? Or I can't
afford these monthly payments. If I give

1348
01:37:03.079 --> 01:37:06.000
you half of that a month,
would you take this off my credit?

1349
01:37:06.239 --> 01:37:12.319
I mean, just negotiate. See
what they're gonna say. Okay, yeah,

1350
01:37:12.359 --> 01:37:15.319
it's And please don't don't forget it's
not secure debt. I'm not gonna

1351
01:37:15.399 --> 01:37:19.239
I'm not gonna do a deep dive
into your finances, but it's not secured.

1352
01:37:19.640 --> 01:37:24.960
If you a lot of times,
and people can't understand this, you

1353
01:37:25.079 --> 01:37:28.640
realize if you owe a lot and
you're back on credit cards, maybe a

1354
01:37:28.680 --> 01:37:31.279
car payment, maybe you've been laid
on the mortgage a couple times, it

1355
01:37:31.359 --> 01:37:36.520
trashes your credit. We all get
that, right. But if you file

1356
01:37:36.560 --> 01:37:42.800
a bankruptcy and you're within the limits
to where they really can't take anything from

1357
01:37:42.880 --> 01:37:46.560
you, you get rid of all
the unsecured debt. Your credit within a

1358
01:37:46.680 --> 01:37:53.520
year is way better, way better
than if you didn't do the bankruptcy and

1359
01:37:53.640 --> 01:37:58.359
still have these thirty sixty day lates
on credit cards and mortgages. And I

1360
01:37:58.439 --> 01:38:01.399
know it's a hard thing to really
wrap your head about but if your real

1361
01:38:01.600 --> 01:38:06.039
goal most times is to get that
credit higher and get rid of that debt,

1362
01:38:06.359 --> 01:38:11.039
the bankruptcy is a good option.
It depends how much equity you have

1363
01:38:11.119 --> 01:38:15.239
in your house. There's good exemptions
in Colorado. I think a single person's

1364
01:38:15.279 --> 01:38:17.239
around a quarter of a million.
So if you have less than a quarter

1365
01:38:17.239 --> 01:38:20.840
of a million inequity, nothing's going
to happen to your house. If you

1366
01:38:21.000 --> 01:38:26.840
have less than I think it's like
eleven thousand in a car inequity, nothing's

1367
01:38:26.880 --> 01:38:30.119
going to happen to your car.
The only things that I can think of,

1368
01:38:30.520 --> 01:38:32.039
and a lot of people, you
know, they pass it on to

1369
01:38:32.159 --> 01:38:39.000
someone, maybe give it to their
kids. Guns, some collectibles you can't

1370
01:38:39.039 --> 01:38:43.760
actually exempt. There is no exemption, so some of that stuff before you

1371
01:38:43.840 --> 01:38:46.159
pull the trigger. And I'm not
going to get into look back and stuff.

1372
01:38:46.199 --> 01:38:50.199
I'm not an attorney, but some
people pass along those assets when they're

1373
01:38:50.199 --> 01:38:55.600
supposed to, before they become part
of it. So it's not a bad

1374
01:38:55.600 --> 01:38:58.920
option out there. A lot of
people are thinking, hey, bankruptcy,

1375
01:38:58.960 --> 01:39:02.159
that affects us all, well,
kind of kind of it affects us all.

1376
01:39:02.199 --> 01:39:05.239
But there's a good argument that I
like, look at this huge company

1377
01:39:05.279 --> 01:39:09.119
that just went into bankruptcy. Look
at this huge company. That's true.

1378
01:39:09.159 --> 01:39:13.239
But here's here's the part I like
looking at. I think it's good for

1379
01:39:13.279 --> 01:39:15.840
the common even though we're bailing that
person out and they're leaving some debt,

1380
01:39:15.880 --> 01:39:18.880
big deal. Who do they owe? They own banks, you know,

1381
01:39:19.000 --> 01:39:23.880
they owe banks, credit cards,
they owe a big mortgage company. It's

1382
01:39:23.920 --> 01:39:28.520
not necessarily killing us. And the
fact they get back on their feet,

1383
01:39:28.680 --> 01:39:31.319
don't owe that money. What do
they do instead of paying all this interest

1384
01:39:31.359 --> 01:39:35.640
to the big banks and the late
fees to the HOA and the mortgage company,

1385
01:39:35.920 --> 01:39:40.159
all that's gone. Where does that
money go? Well, that goes

1386
01:39:40.199 --> 01:39:43.800
in all of our small businesses,
that goes to Walmart, that goes to

1387
01:39:43.920 --> 01:39:46.319
Sheridan Auto Tech. Now they can
afford to fix a car, buy a

1388
01:39:46.399 --> 01:39:51.239
transmission from Jeff, get an oil
change, or whatever they need from Jesse.

1389
01:39:51.479 --> 01:39:56.000
I mean it, really, there's
a lot to be said about bankruptcy.

1390
01:39:56.079 --> 01:40:00.439
John's got a problem. Oh no, oh, no, is that's

1391
01:40:00.479 --> 01:40:04.079
a problem with honest, accurate auto? Is that what I see? No?

1392
01:40:04.720 --> 01:40:08.720
No, am I reading it wrong. Yeah, it's kind of like

1393
01:40:08.720 --> 01:40:12.239
the math thing. It's kind of
like the math thing I was discussing and

1394
01:40:12.279 --> 01:40:15.960
then Greg has an issue with auto
start stop. I'm not sure what that

1395
01:40:16.159 --> 01:40:19.359
is. We'll figure that out.
Oh, I hate auto start. Is

1396
01:40:19.399 --> 01:40:24.359
that that thing when you come to
a stop size stump and it's one hundred

1397
01:40:24.359 --> 01:40:28.720
degrees out, your air conditioners on
your car turns off and you're sweating.

1398
01:40:28.920 --> 01:40:30.680
That's the one and the Fords they're
saying you got to put it into part

1399
01:40:30.760 --> 01:40:33.720
to start it back up. Yeah, that's the problem. Everybody. Hold

1400
01:40:33.760 --> 01:40:44.640
on go with a sure thing Denver's
Best roofer Excel Roofing dot com. You

1401
01:40:44.640 --> 01:40:50.840
don't pay a cent until you're content. Time for an insurance checkup free no

1402
01:40:50.920 --> 01:40:56.840
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

1403
01:40:56.840 --> 01:41:00.920
of insurance companies find out Now three
O three seven to seven help. You'll

1404
01:41:00.960 --> 01:41:03.760
think you're his only customer when you
choose Frank durand the real estate Man dot

1405
01:41:03.800 --> 01:41:09.520
com to list your home with Remax
Alliance three all three nine two zero sixteen

1406
01:41:09.600 --> 01:41:19.399
twenty two hright Folk three all three
seven one three eight two five five.

1407
01:41:19.439 --> 01:41:23.359
We've got another hour coming up.
I can't wait to dive into it.

1408
01:41:23.439 --> 01:41:26.760
Rich is a warranty problem. I'm
not sure what it's with and then we're

1409
01:41:26.760 --> 01:41:30.880
gonna talk to Greg who has an
issue with the auto start stop. We

1410
01:41:30.960 --> 01:41:33.399
did a lot of talking over the
break about it, and Jeff Vick might

1411
01:41:33.439 --> 01:41:35.960
have an answer for you if it's
just bugging you, but don't say it

1412
01:41:36.039 --> 01:41:40.520
yet. This is what we call
a tease and the biz. So if

1413
01:41:40.560 --> 01:41:45.239
you're sick and tired of that that
button you have to hit in order for

1414
01:41:45.319 --> 01:41:47.479
the engine not to stop every time
you come to a star, Jeff vic

1415
01:41:48.000 --> 01:41:50.840
most likely has a fix for that. So Greg, you hold on.

1416
01:41:50.880 --> 01:41:54.279
I want to know what's going on
with that, But real quick, I

1417
01:41:54.319 --> 01:41:59.039
want to go to John. He's
got something to say about honest, accurate

1418
01:41:59.079 --> 01:42:02.199
auto go ahead, and I please
be please be nice to him because he's

1419
01:42:02.199 --> 01:42:08.159
in studio with me. Well,
yeah, I'm gonna be nice. Uh.

1420
01:42:08.319 --> 01:42:15.079
I take my Lexus cell Us down
to action on Pat Harencrs Fray nice

1421
01:42:15.359 --> 01:42:19.960
and I won't tell you something.
They're fantastic. They are are They go

1422
01:42:20.079 --> 01:42:25.319
with a sure thing Denver's Best roofer
Excel roofing dot com. You don't pay

1423
01:42:25.359 --> 01:42:31.119
a cent until you're content. Time
for an insurance check up, free no

1424
01:42:31.239 --> 01:42:38.159
obligation comparison call Compass insurance paying too
much your coverage at dozens of insurance companies.

1425
01:42:38.239 --> 01:42:40.840
Find out now three oh three,
seven to seven to one help.

1426
01:42:41.000 --> 01:42:44.800
You'll think you're his only customer when
you choose Frank durand the real estate Man

1427
01:42:44.840 --> 01:42:48.359
dot com to list your home with
Remax Alliance three oh three nine two zero

1428
01:42:48.439 --> 01:43:04.840
sixteen twenty two news. So you
don't have run ins as we can,

1429
01:43:05.720 --> 01:43:14.760
Shooter's gonna help coming man. This
is the Troubleshooter Show. No Tom Martine,

1430
01:43:14.880 --> 01:43:15.760
Welcome to the show, the only
show of it's kind. We're here

1431
01:43:15.800 --> 01:43:20.199
to solve problems, answer questions,
take complaints. Our goal in life is

1432
01:43:20.239 --> 01:43:23.640
to make your life a little bit
better. You've been ripped off or taking

1433
01:43:23.640 --> 01:43:27.239
advantage of maybe a bad contractor how
about a bad dentister, a piece of

1434
01:43:27.279 --> 01:43:30.319
crap landlord trying to evict you for
the wrong reason. It doesn't matter what

1435
01:43:30.399 --> 01:43:33.560
it is. We are here to
help. Three zero three Martino. That

1436
01:43:33.640 --> 01:43:38.560
number works on and off the air. And don't forget help a Troubleshooter dot

1437
01:43:38.560 --> 01:43:43.279
com. And while we're moving along
right now, between ten and two every

1438
01:43:43.359 --> 01:43:46.079
day Monday through Friday, you can
always go to YouTube dot com type in

1439
01:43:46.119 --> 01:43:53.439
Troubleshooter network. You can hear our
conversations during the breaks and very interesting.

1440
01:43:53.520 --> 01:43:56.319
In fact, I'll just give you
an idea. I don't even know how

1441
01:43:56.319 --> 01:44:00.840
it came up, but we were
talking about how many people in the world.

1442
01:44:00.960 --> 01:44:03.720
You take eight billion people, seven
billion, whatever it is, where

1443
01:44:03.760 --> 01:44:08.119
could you fit them? Listen to
this? This is pretty crazy. This

1444
01:44:08.199 --> 01:44:12.600
comes from Hawaii dot edu. So
I'm giving you a little hint there.

1445
01:44:13.239 --> 01:44:17.920
So with only room enough for each
person to spin around with their arms extended,

1446
01:44:18.319 --> 01:44:27.920
the entire entire human population seven billion
plus could mathematically fit in the area

1447
01:44:28.359 --> 01:44:33.560
the size of the largest island in
Hawaii. That's crazy. But are they

1448
01:44:33.560 --> 01:44:39.319
taking inn account people like Jokic?
No, And I was thinking, are

1449
01:44:39.359 --> 01:44:45.960
they taking into account very heavy people? Very heavy people, so that might

1450
01:44:46.000 --> 01:44:48.560
eat up some of it, But
they're saying what their arms out. But

1451
01:44:48.640 --> 01:44:53.479
anyhow, I don't even know what
we got on that conversation. I think

1452
01:44:53.560 --> 01:44:58.279
Kevin Calkin was shared in autotative,
Yeah, was bringing it up. So

1453
01:44:58.439 --> 01:45:01.000
three oh three seven one three eight
two five. Now let's go to this.

1454
01:45:01.079 --> 01:45:04.399
It's car Friday. We're going to
go to this issue with Greg with

1455
01:45:04.479 --> 01:45:08.960
the auto start stop. I can't
stand it, guys. It's basically these

1456
01:45:09.000 --> 01:45:11.680
cars, both of ours. In
fact, I think every car now,

1457
01:45:11.760 --> 01:45:15.439
I think it's one of these deals. If you sell eight cylinder vehicles,

1458
01:45:15.479 --> 01:45:20.119
somehow you got to get that mileage
down or even higher on your cheaper cars

1459
01:45:20.159 --> 01:45:24.640
in order to sell the cars that
guzzle a lot of gas. It all

1460
01:45:24.680 --> 01:45:27.720
comes down to emissions calculations, right, I mean, yeah, it's all

1461
01:45:27.720 --> 01:45:30.239
about the cafe standards. It's all
about the cafe standards. So everybody out

1462
01:45:30.239 --> 01:45:33.560
there with a newer car, you
know this. You pull up to a

1463
01:45:33.560 --> 01:45:38.399
stop light or a stop sign and
if you're there for like three four seconds,

1464
01:45:38.640 --> 01:45:41.960
the vehicle turns off. The biggest
time for me is a pain in

1465
01:45:41.960 --> 01:45:45.319
the ass is when it's really hot. And then my air conditioner. Now

1466
01:45:45.359 --> 01:45:47.960
you guys said it doesn't do that
anymore, Well, no, if if

1467
01:45:48.079 --> 01:45:53.840
climate control conditions demand, or if
charging compnditions demand it, okay, cables

1468
01:45:53.920 --> 01:45:56.479
to start right, so it'll start
back up, but it is a pain

1469
01:45:56.560 --> 01:45:59.279
in the butt. And then if
you want to take off quick from the

1470
01:45:59.359 --> 01:46:00.840
light or whatever, I mean,
really, your car's got to start.

1471
01:46:01.359 --> 01:46:04.319
Does the starter do that? By
the way, how does that? How

1472
01:46:04.319 --> 01:46:09.239
does that wouldn't that be a lot
of work on the starter. Absolutely,

1473
01:46:09.560 --> 01:46:12.960
yes, And it is the starter
and you have a compeater shutting it down.

1474
01:46:13.039 --> 01:46:15.159
You have separate pumps on the transmissions
in order to keep pressures up so

1475
01:46:15.199 --> 01:46:17.800
that they stay in gear until you
take off. So it's hard on the

1476
01:46:17.840 --> 01:46:21.279
engine. And there's more components in
there that that can fail. Well,

1477
01:46:21.439 --> 01:46:25.199
yeah, of course, So Greg, what is your question about it?

1478
01:46:29.119 --> 01:46:33.800
My my question is I have that
it hasn't been it's not worked, so

1479
01:46:34.319 --> 01:46:38.680
I'm at of light. Take my
foot off the brake and it doesn't do

1480
01:46:38.720 --> 01:46:42.680
anything, so I have to shut
the car off. Wait a second,

1481
01:46:42.760 --> 01:46:45.800
park, Greg, Greg, Greg, Greg, I just said we all

1482
01:46:45.840 --> 01:46:49.399
look a little perplexed here. So
you're driving along and everything's fine. You

1483
01:46:49.520 --> 01:46:54.720
come to a stop, it turns
off, but you can't turn it back

1484
01:46:54.760 --> 01:46:58.600
on. Right when I take my
foot off the brake, it doesn't kick

1485
01:46:58.720 --> 01:47:01.039
back on. And it's done this
a few times, it doesn't do it

1486
01:47:01.039 --> 01:47:03.880
all the time. This goes to
what Jesse was saying, there's so many

1487
01:47:03.880 --> 01:47:09.000
more components. Now have you guys
seen this? I haven't seen it,

1488
01:47:09.039 --> 01:47:14.640
but I've heard of it. What
are we talking about? It's for one

1489
01:47:14.720 --> 01:47:17.960
fifty and the thing that happened today
is when I went out this morning to

1490
01:47:18.000 --> 01:47:23.279
try to start the truck, turn
the key nothing. So do you have

1491
01:47:23.399 --> 01:47:29.079
remote start on that truck? No, because that sounds like a remote start

1492
01:47:29.079 --> 01:47:32.319
issue that Ford was having. No, this was in this morning when I

1493
01:47:32.319 --> 01:47:38.479
tried to start it. I turned
the key on, shut the the auto

1494
01:47:38.920 --> 01:47:43.479
start stop off, and it kicked
right, I mean it started right up.

1495
01:47:44.840 --> 01:47:46.159
God, I mean, how would
you guys even I mean, all

1496
01:47:46.159 --> 01:47:49.600
of you can probably fix it,
But where do you even is it consistent

1497
01:47:49.760 --> 01:47:56.159
every time? Or how often?
Like out of twenty times? You know,

1498
01:47:56.199 --> 01:48:00.720
it's only done it where you went, my Matt the light three times?

1499
01:48:00.720 --> 01:48:06.000
Got this that the computer system is
going to store some of that information.

1500
01:48:06.079 --> 01:48:09.920
But I'm gonna I'm gonna plug into
the OBED and see what's going on

1501
01:48:09.920 --> 01:48:12.840
in that computer and see if he
tells me anything like you think it does.

1502
01:48:13.359 --> 01:48:15.720
It should anytime it has a problem
like that. That's how they were

1503
01:48:15.720 --> 01:48:18.840
fighting the problems with the remote if
it is a problem. Oh okay,

1504
01:48:18.880 --> 01:48:21.760
so you're saying, even if a
check engine light's not there, it's still

1505
01:48:21.840 --> 01:48:27.720
storing. Yeah, so we're gonna
have history and free frame data that we

1506
01:48:27.760 --> 01:48:30.000
can go back and look at and
see if this is the known issue or

1507
01:48:30.000 --> 01:48:32.720
if it's if it's sane, didn't
do this here, started here or whatever?

1508
01:48:33.079 --> 01:48:35.720
Man, that would suck. Well, it could be as simple as

1509
01:48:35.760 --> 01:48:41.000
the switch and the brake pedals not
communicating to the computer so it doesn't know

1510
01:48:41.079 --> 01:48:45.680
that you disengage the break so it
doesn't start. That means technically his tail

1511
01:48:45.720 --> 01:48:49.079
lights wouldn't be working or his brake
lights wouldn't be working as well on different

1512
01:48:49.159 --> 01:48:56.479
switch. Gotch and the newer ones
have two switches. So well, I

1513
01:48:56.479 --> 01:48:58.680
mean, Greg, you just got
it. Where you located? Man?

1514
01:48:58.680 --> 01:49:01.439
Where are you at? Uh?
Well, I lived down in cast Rock,

1515
01:49:01.520 --> 01:49:04.840
but my office up in Littleton.
Yeah, So I mean I'd bring

1516
01:49:04.880 --> 01:49:09.279
it over to Kevin shared an auto
tech. I mean, he's not going

1517
01:49:09.359 --> 01:49:11.840
to charge you much. Figure it
out. And what I love about Kevin

1518
01:49:11.880 --> 01:49:15.079
and the guys they bought how long
wo'd you buy Lakewood Electric? It's been

1519
01:49:15.079 --> 01:49:18.319
about a year and a half.
He's got technicians man that dealerships send people

1520
01:49:18.399 --> 01:49:23.079
to when it comes to some electrical
issues. And honestly, that sounds like

1521
01:49:23.119 --> 01:49:27.479
what you got of some sort.
Well I did stop it up four dealer

1522
01:49:28.960 --> 01:49:32.039
and they they I mean they're putting
me out three weeks before they can even

1523
01:49:32.039 --> 01:49:36.359
look at it. That sucks.
That's almost right now for just about anybody

1524
01:49:36.399 --> 01:49:40.880
who's worth their spit, No kidding. How far out of you Kevin on

1525
01:49:40.920 --> 01:49:43.079
stuff like that? Well, the
Lexico stuff, it's you know, we

1526
01:49:43.119 --> 01:49:45.439
asked for two days. We're about
a week out, but you have to

1527
01:49:45.479 --> 01:49:46.560
leave it for a couple of days. You got to dump it. Yep?

1528
01:49:46.960 --> 01:49:49.000
Well, Greg, I mean that's
it. I'd bring it over to

1529
01:49:49.039 --> 01:49:53.159
Kevin over a dealer any day unless
it was under warranty. And I already

1530
01:49:53.159 --> 01:49:56.800
know it's not. So no,
it's not that sucks so man, but

1531
01:49:56.880 --> 01:49:59.239
I was going to mention this,
what do you think about it? Real

1532
01:49:59.319 --> 01:50:01.840
quick while we got Greg, When
it's working properly. How long have you

1533
01:50:01.880 --> 01:50:06.520
had that vehicle with it? About
four years? So what do you think?

1534
01:50:06.560 --> 01:50:09.920
Man? Does it drive you nuts? Or you finally got used to

1535
01:50:09.960 --> 01:50:13.159
it or what? I kind of
got used to it. But again,

1536
01:50:13.199 --> 01:50:16.520
if I'm if I'm in traffic that
stop and go, I just shut it

1537
01:50:16.560 --> 01:50:20.119
off. Yeah, you hit that
button. I always wondered why you can't

1538
01:50:20.199 --> 01:50:25.079
hit that button to turn it on. So do the complete opposite, or

1539
01:50:25.239 --> 01:50:28.520
choose and I'll tell you why.
It goes back to the emission standards.

1540
01:50:28.560 --> 01:50:31.920
They don't want you to do that, but Jeff figured out a way to

1541
01:50:32.000 --> 01:50:35.640
bypass it. And it has to
do with a matchbook or toothpick, watchbook,

1542
01:50:35.680 --> 01:50:40.000
toothpick, bread clip, anything that'll
fit in. Thing that'll fit in

1543
01:50:40.000 --> 01:50:43.560
there at the wedget where hold it
in position, and then it'll automatically stay

1544
01:50:43.640 --> 01:50:46.479
with the stop start feature disabled.
Yeah that's crazy. Well, there you

1545
01:50:46.520 --> 01:50:49.800
go right now, and once you
shut the truck off and start it again,

1546
01:50:49.840 --> 01:50:54.920
it's automatically on. Yeah. And
then he's saying you would jam.

1547
01:50:55.279 --> 01:50:59.199
No, you're saying even okay,
hold on. So if you jam the

1548
01:50:59.239 --> 01:51:02.479
toothpick in there before you started the
truck, would it be off or you're

1549
01:51:02.520 --> 01:51:05.880
disabled it? Gam it in there. It keeps the button from resetting after

1550
01:51:05.960 --> 01:51:10.600
you disable it. So you turn
the car on, disable it, jam

1551
01:51:10.720 --> 01:51:15.600
the thing in Not that I condone
that kind of behavior, mister Jeff Thick.

1552
01:51:15.159 --> 01:51:17.960
All right, Greg, thanks for
the call man. Yeah, look

1553
01:51:18.000 --> 01:51:24.159
at you giving out crazy advice like
the emissions in Colorado were going to go

1554
01:51:24.159 --> 01:51:26.920
through the roof. Thanks? Did
you reason for the brown cloud on part

1555
01:51:26.920 --> 01:51:29.880
of the brown movement? Just want
everybody to know it. Three oh three

1556
01:51:29.960 --> 01:51:31.399
seven one three A two five five. We have a couple of lines open.

1557
01:51:31.479 --> 01:51:34.680
Rich has a warranty issue. Rich, give me the skinny real quick,

1558
01:51:34.680 --> 01:51:36.439
and I got to take a break. We'll try to help you.

1559
01:51:38.479 --> 01:51:42.880
I've got a twenty twenty one Gladiator
that basically has got a knock in the

1560
01:51:42.920 --> 01:51:47.399
engine, been in the dealers since
for thirty days, since the beginning of

1561
01:51:47.399 --> 01:51:50.920
the yearth Is it a warranty?
I mean it's still it is under warranty?

1562
01:51:51.319 --> 01:51:56.920
What is jeeves warranty? Guys?
What is it for? Or five

1563
01:51:56.920 --> 01:52:00.600
poin fifty depending on what they what's
your warranty? Rich? What believe it's

1564
01:52:00.600 --> 01:52:02.199
five? I believe it's five fifty. They're covering everything on the warrant.

1565
01:52:02.239 --> 01:52:05.840
You've got thirty six thousand miles just
under thirty seven and it's been there thirty

1566
01:52:05.920 --> 01:52:09.600
days. Okay, hold on,
we're getting a lot of this, just

1567
01:52:09.680 --> 01:52:13.560
like uh Man first hour. We
had someone that's been there. Listen to

1568
01:52:13.560 --> 01:52:17.920
this since June of last year.
What dealership had it since June? Larry

1569
01:52:17.960 --> 01:52:24.319
Miller? Yeah, June, and
it's all under warranty June. Everybody holds

1570
01:52:24.359 --> 01:52:32.560
tight lack cooking in the pot.
Go with a sure thing Denver's Best roofer

1571
01:52:32.680 --> 01:52:40.840
Excel Roofing dot com. You don't
pay a cent until you're content. Time

1572
01:52:40.880 --> 01:52:45.159
for an insurance check up free no
obligation comparison call Compass Insurance paying too much

1573
01:52:45.279 --> 01:52:49.279
your coverage at dozens of insurance companies
find out now three all three seven to

1574
01:52:49.319 --> 01:52:54.000
seven to one help. You'll think
you're his only customer when you choose Frank

1575
01:52:54.039 --> 01:52:58.600
durand the real estate Man dot com
to list your home with Remax Alliance three

1576
01:52:58.680 --> 01:53:01.560
oh three nine two zero six twenty
two. Hey, I got to tell

1577
01:53:01.560 --> 01:53:04.359
you about a company eight eight eight
Heating dot com. You know what I

1578
01:53:04.399 --> 01:53:08.760
love about Garrett in the Gang.
Check this out. Not only they got

1579
01:53:08.800 --> 01:53:12.560
great service, but they will always
give you the option. They have very

1580
01:53:12.640 --> 01:53:16.079
high efficiency systems. On top of
that, they have less expensive stuff.

1581
01:53:16.079 --> 01:53:19.119
So if maybe it's a rental for
a new furnace or air conditioner, but

1582
01:53:19.520 --> 01:53:23.560
if something's broke at your house and
you call them out, they're not going

1583
01:53:23.640 --> 01:53:25.920
to just try to sell you a
new one. I don't care how old

1584
01:53:25.960 --> 01:53:29.399
that furnace or air conditioner is.
He's going to give you an option to

1585
01:53:29.439 --> 01:53:32.079
actually fix it. Some people don't
care if they got a fifteen year old

1586
01:53:32.159 --> 01:53:35.239
furnace. If it's working, it's
working, and you might be able to

1587
01:53:35.279 --> 01:53:39.319
fix it for a few hundred bucks
compared to having to buy a brand new

1588
01:53:39.319 --> 01:53:43.359
one. That's what I like about
eight eight eight heating dot Com. In

1589
01:53:43.399 --> 01:53:46.000
fact, that reminds me of Ideal
Home Loans. And I'll tell you why

1590
01:53:46.279 --> 01:53:49.239
we were talking about interest rates a
little bit during the break. I need

1591
01:53:49.239 --> 01:53:53.720
to say something about interest rates.
They're high as hell. If you're trying

1592
01:53:53.720 --> 01:53:57.239
to refine right now, you're probably
around seven percent on the thirty or fixed.

1593
01:53:57.520 --> 01:54:00.800
But if you're forced to do something, maybe high credit card debt,

1594
01:54:00.079 --> 01:54:02.720
or maybe you're getting moved and you
have to buy a new house, you

1595
01:54:02.760 --> 01:54:06.479
have to sell some kind of transfer. Here's the bottom line. I don't

1596
01:54:06.520 --> 01:54:10.800
care what interest rates are now.
If they drop in the next two years

1597
01:54:10.800 --> 01:54:14.039
and you use Ideal Home Loans,
guess what they're going to do. Refi

1598
01:54:14.199 --> 01:54:18.640
you for free, no closing cost. Refi you for free Ideal Home Loans

1599
01:54:18.720 --> 01:54:23.880
dot Com. Now, Hey,
Gigi, how are you doing? Longtime

1600
01:54:23.880 --> 01:54:26.880
no talk? Hey? I know, how are you? I'm good?

1601
01:54:27.159 --> 01:54:30.159
I am doing great. We had
a call and I already know kind of

1602
01:54:30.199 --> 01:54:31.640
what the answer is going to be, but I wanted to pick your brain

1603
01:54:31.720 --> 01:54:35.720
about it. So with the Wink
Law Firm, you guys do a lot

1604
01:54:35.760 --> 01:54:40.960
of individual bankruptcies. So this woman, have you ever heard of the Smile

1605
01:54:41.039 --> 01:54:43.560
Club? Am I saying that?
Right? Guys? Wasn't it called the

1606
01:54:43.600 --> 01:54:48.399
Smile Club Direct? Yep? So
this is the craziest situation. And I

1607
01:54:48.439 --> 01:54:53.119
think I understand it, But tell
me if I'm wrong. She signed up,

1608
01:54:53.119 --> 01:54:56.600
and she signed up for their financing, and for people just listening,

1609
01:54:56.720 --> 01:55:01.479
it's a it's braces basically. I
mean, it's not braces, it's a

1610
01:55:01.560 --> 01:55:09.119
knockoff of invisil line. So they
went bankrupt. They had a finance company

1611
01:55:09.439 --> 01:55:13.199
that was not them. I think
it was called HSF or something along those

1612
01:55:13.239 --> 01:55:17.000
lines. So these people, I
assume, agreed to monthly payments, if

1613
01:55:17.039 --> 01:55:24.359
that's what they chose, through this
outside finance company. When this company actually

1614
01:55:24.399 --> 01:55:30.239
went bankrupt and is no longer doing
anything, they're still having to pay that

1615
01:55:30.359 --> 01:55:33.800
monthly fee to the other company because
it really has nothing to do with it.

1616
01:55:34.119 --> 01:55:41.359
That other company most likely bought the
paper from from the Smile Club,

1617
01:55:41.720 --> 01:55:45.960
So the Smile Club actually got paid. Now they have an agreement with the

1618
01:55:45.000 --> 01:55:50.359
consumer. So even though the consumer
is not getting any adjustments or monthly service

1619
01:55:50.439 --> 01:55:55.039
or whatever they're supposed to get,
they still owe the money to the bank.

1620
01:55:55.159 --> 01:55:59.800
I mean, is that about it? Yeah? I mean that you

1621
01:56:00.279 --> 01:56:05.039
want to read the contract that you
signed. Maybe there's an out right because

1622
01:56:05.079 --> 01:56:10.279
if you're not, but if it's
just straight up you owed that with filed,

1623
01:56:11.359 --> 01:56:15.319
Yeah, you have an independent contract
with those. So of course the

1624
01:56:15.439 --> 01:56:21.079
argument is even though this company promised
me a lifetime guarantee, and this company

1625
01:56:21.119 --> 01:56:26.399
promised me a justice forever and blah
blah blah, none of it matters because

1626
01:56:26.439 --> 01:56:30.920
your agreement with them is terminated because
of the bankruptcy shield, and your agreement

1627
01:56:31.000 --> 01:56:35.600
with the finance company is exactly where
you left it. You owe them money.

1628
01:56:35.800 --> 01:56:39.920
Yep, yep. Talk about unfair
as hell, though, right,

1629
01:56:40.000 --> 01:56:44.960
I mean really growth, that's growth, and the fact that that finance company

1630
01:56:44.960 --> 01:56:49.239
wouldn't get in front of it for
their own you know, goodwill is wrong.

1631
01:56:49.760 --> 01:56:54.159
I think this is pretty recent though, is that right? I think

1632
01:56:54.720 --> 01:56:57.479
I think it happened in the last
couple of months. Yeah, so what

1633
01:56:57.560 --> 01:57:00.560
they I was reading up on it. One of the things are in the

1634
01:57:00.600 --> 01:57:03.159
middle of doing you're right. I
think September was a filing and you know

1635
01:57:03.239 --> 01:57:06.479
these big ones. My goodness.
I mean, that's nothing that just happened.

1636
01:57:08.680 --> 01:57:12.920
So, but what's interesting is there's
people that signed up for the financing

1637
01:57:13.319 --> 01:57:17.039
that have not received anything yet.
Those people they look like they're going to

1638
01:57:17.119 --> 01:57:24.840
get refunds eventually. And the other
people that had a thirty day guarantee or

1639
01:57:24.880 --> 01:57:28.680
a money back guarantee, those people
that requested it, so they haven't.

1640
01:57:29.000 --> 01:57:32.359
They have received it, but it's
been within thirty days from receiving the device.

1641
01:57:32.760 --> 01:57:36.279
They look like eventually they'll get the
money back. But when we talk

1642
01:57:36.319 --> 01:57:41.159
about bankruptcy and a company this big
going out, I mean, it is

1643
01:57:41.199 --> 01:57:43.439
what it is. How does it
go? The first thing is going to

1644
01:57:43.439 --> 01:57:46.920
be their secure debt, right,
yeah, yeah, they probably got a

1645
01:57:46.920 --> 01:57:53.600
ton of secure debt. Yeah.
I would imagine that somebody, a consumer

1646
01:57:53.720 --> 01:57:59.079
is unlikely to get a dime a
dime. I wonder what this financing company

1647
01:57:59.119 --> 01:58:00.640
would say if you've got them on
the phone on the air. Oh,

1648
01:58:00.680 --> 01:58:03.960
they wouldn't talk about it. Yeah, they probably wouldn't. But I mean

1649
01:58:03.960 --> 01:58:08.680
it's just so gross. No it
is. It's horrible, But let's not

1650
01:58:08.840 --> 01:58:11.920
you know, they're really not the
bad guys. We know that, but

1651
01:58:12.039 --> 01:58:15.119
you would think they'd come up with
some kind of structure they so the call.

1652
01:58:15.319 --> 01:58:17.880
Here's the worst part about them,
I'll tell you what the worst part

1653
01:58:17.920 --> 01:58:20.720
is, in my opinion, why
they really suck. I mean, I

1654
01:58:20.800 --> 01:58:25.920
get it. They're a victim too. I truly believe they paid for that

1655
01:58:26.119 --> 01:58:30.600
stuff already to the company. That's
how most of those monthly financing agreements go.

1656
01:58:30.720 --> 01:58:34.399
But they actually reported our caller to
the credit bureau because she hasn't paid

1657
01:58:34.439 --> 01:58:40.399
for three months. So now were
credits you know, bad? Right right?

1658
01:58:41.439 --> 01:58:44.119
I mean, And that's the problem
is, like you said, it's

1659
01:58:44.119 --> 01:58:47.399
an independent obligation, and if you
default on it, you're going to be

1660
01:58:47.439 --> 01:58:53.359
subject to what happens when you default
on contractual debt. Yeah, and so

1661
01:58:54.359 --> 01:58:57.520
you know, if they're not willing
to work with you in any way,

1662
01:58:58.319 --> 01:59:01.000
you could, you could defend yourself, but it really is going to be

1663
01:59:01.439 --> 01:59:05.800
the fine print of the financing contract
that you have with them. Hey,

1664
01:59:05.880 --> 01:59:11.279
let me pick your brain on another
topic. Is it true now that if

1665
01:59:11.319 --> 01:59:15.520
you have medical debt and you let's
say you go to the emergency room and

1666
01:59:15.560 --> 01:59:19.720
you end up with whatever five grand
and medical debt. They can't put that

1667
01:59:19.960 --> 01:59:25.199
on your They're not supposed to put
it on your credit report. Is that

1668
01:59:25.359 --> 01:59:30.439
right? I believe that is correct. That's what I've heard. That's amazing.

1669
01:59:30.520 --> 01:59:32.520
I mean, you don't know it. It just means they can't use

1670
01:59:32.560 --> 01:59:38.439
that collection activity against you. I
heard on a I think it was nine

1671
01:59:38.479 --> 01:59:42.720
news or Fox thirty one there was
a certain hospital and I thought it was

1672
01:59:42.800 --> 01:59:45.800
the one, what's the big one
downtown Guys, Denver General. Is that

1673
01:59:45.880 --> 01:59:48.800
what it's called? Denver Health?
Denver Health? I think it was Denver

1674
01:59:48.840 --> 01:59:55.199
Health, But don't don't quote me
on that. That they were somehow using

1675
01:59:55.279 --> 02:00:01.720
a outside company to report it and
it wouldn't show up as a debt to

1676
02:00:02.159 --> 02:00:06.640
a healthcare facility, but it would
show up as a different debt that would

1677
02:00:06.680 --> 02:00:12.600
affect the credit and show and I
think they're My understanding is they're trying to

1678
02:00:13.199 --> 02:00:16.239
work out that red tape. But
if you think about it, if you're

1679
02:00:16.279 --> 02:00:21.680
a hospital gg in, you're owed
five thousand, and you can't affect someone's

1680
02:00:21.680 --> 02:00:26.239
credit to try to get paid.
And I'm not talking the validity. I'm

1681
02:00:26.279 --> 02:00:29.600
saying, Okay, it's a valid
it's a valid debt. Let's just pretend

1682
02:00:29.640 --> 02:00:32.600
that. And I don't want to
talk about you know, whether you think

1683
02:00:32.600 --> 02:00:36.279
it's right or wrong, that's a
whole different thing. But if I sell

1684
02:00:36.399 --> 02:00:44.199
that five thousand dollars debt from my
hospital to my car dealership, and now

1685
02:00:44.239 --> 02:00:46.800
my car dealership owns that debt,
they can report it. I mean,

1686
02:00:46.840 --> 02:00:50.880
it's kind of tricky. Yeah,
I don't know. I mean I think

1687
02:00:50.880 --> 02:00:56.760
if the underlying debt is medical,
you'd be in trouble. Yes, And

1688
02:00:56.760 --> 02:01:00.880
that's what I think the whole report
was on was that. But we'll find

1689
02:01:00.920 --> 02:01:02.640
out what other what else is going
on in bankruptcy? Well, I got

1690
02:01:02.720 --> 02:01:06.439
youa. Are we seeing cases come
up? Are they going down? They

1691
02:01:06.439 --> 02:01:10.960
are going up? We've been down
so long we can only go up.

1692
02:01:11.640 --> 02:01:15.039
Oh man, has it been drastic
or a slow hill? It's been a

1693
02:01:15.239 --> 02:01:26.800
slow decline for probably six to eight
years, but COVID hardly any activity for

1694
02:01:26.840 --> 02:01:30.680
a good two years. Yeah,
you couldn't. It's normal that because consumer

1695
02:01:31.239 --> 02:01:38.359
consumer spending is going up and defaults
are going up on consumer debts. So

1696
02:01:38.520 --> 02:01:43.479
it's just part of the process the
cycle. Credit card debt has never been

1697
02:01:43.560 --> 02:01:45.800
higher, backed up credit card debt's
never been higher. And then on top

1698
02:01:45.840 --> 02:01:49.039
of that, the value of what
people have in their cars is upside down

1699
02:01:49.079 --> 02:01:54.119
like you wouldn't believe. And if
we do happen to have another housing crisis,

1700
02:01:55.159 --> 02:01:58.439
oh my goodness, we are I'm
talking just Colorado. We are so

1701
02:01:58.600 --> 02:02:01.960
overpriced in the market. If it
ever leveled out the reality again, people,

1702
02:02:02.039 --> 02:02:06.239
it would be just like five oh
eight. I agree, I agree.

1703
02:02:06.359 --> 02:02:11.239
I hope that doesn't happen. But
I think just on the credit card

1704
02:02:11.239 --> 02:02:15.359
debt alone, we're going to see, you know, bankruptcies increasing over the

1705
02:02:15.399 --> 02:02:17.800
next couple of years. And we're
always lagging. We're a lagging indicator,

1706
02:02:17.920 --> 02:02:23.920
so we follow behind the kind of
economic you know, trend. Hey,

1707
02:02:23.920 --> 02:02:28.680
and if anybody out there has any
bankruptcy questions, please reach out to gg

1708
02:02:28.880 --> 02:02:31.520
Wink. And there's a lot of
things out there that I wish I could

1709
02:02:31.600 --> 02:02:34.880
go back in time, GGI and
tell people. And I'll give you a

1710
02:02:34.960 --> 02:02:40.960
quick example. We've had callers that
are paying high interest credit cards and late

1711
02:02:41.079 --> 02:02:45.079
fees and all kinds of stuff on
their home and trying to enter into agreements

1712
02:02:45.119 --> 02:02:48.600
with their mortgage company and they get
screwed and they honestly probably should have filed

1713
02:02:48.600 --> 02:02:54.720
the bankruptcy a year before they even
called because all that money they wasted over

1714
02:02:54.760 --> 02:02:58.800
that year, they could have still
had or at least structured it the proper

1715
02:02:58.880 --> 02:03:02.960
way to spend down, say secure
debt or stuff that stuff that should have

1716
02:03:03.000 --> 02:03:08.479
been spent down. But it's it's
really nuts. People need to call the

1717
02:03:08.600 --> 02:03:12.199
second you think you're in trouble,
if that, if it's in your brain

1718
02:03:12.640 --> 02:03:15.840
that maybe I should think of a
bankruptcy. It's not as scary as you

1719
02:03:15.880 --> 02:03:18.079
think. It really isn't. There's
a lot of like in your house,

1720
02:03:18.119 --> 02:03:23.399
how much can you have equity in
your house? Gigi? Two hundred and

1721
02:03:23.479 --> 02:03:28.239
fifty thousand, and if you're disabled
or over sixty three hundred and fifty thousand,

1722
02:03:28.479 --> 02:03:31.000
and then if you're married, it's
what five hundred? No, most

1723
02:03:31.319 --> 02:03:34.520
just one per house. Oh that's
it now allowed to have one house?

1724
02:03:34.680 --> 02:03:39.640
Okay, so either that you live
in so yeah, no's that's more than

1725
02:03:39.920 --> 02:03:43.680
double what it used to be.
It's it's quite generous. Well, I

1726
02:03:45.079 --> 02:03:46.960
just been trying to stress. I
know there's people out there that have been

1727
02:03:46.960 --> 02:03:50.039
thinking about it. They never really
talk to anybody, Gigi or Michael,

1728
02:03:50.079 --> 02:03:55.319
talk to you for free, absolutely, and don't believe the banks they want

1729
02:03:55.359 --> 02:03:58.399
you to think it's you know,
it's a really terrible thing. Oh my

1730
02:03:58.479 --> 02:04:01.439
god, and it's not. The
banks do fine, and the people who

1731
02:04:01.439 --> 02:04:05.520
file bankruptcy do even even better.
Yeah, the debtors, I mean,

1732
02:04:05.560 --> 02:04:09.720
honest to goodness, they will do
anything in the world to talk to you

1733
02:04:09.800 --> 02:04:14.399
out of Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

1734
02:04:14.439 --> 02:04:20.199
You don't pay a cent until you're
content than time for an insurance check up

1735
02:04:20.279 --> 02:04:25.680
free, no obligation. In comparison, call Compass Insurance paying too much your

1736
02:04:25.720 --> 02:04:29.479
coverage at dozens of insurance companies find
out now three oh three, seven to

1737
02:04:29.560 --> 02:04:32.199
seven to one help. You'll think
you're his only customer when you choose Frank

1738
02:04:32.239 --> 02:04:36.800
durand the real estate Man dot com
to list your home with Remax Alliance three

1739
02:04:36.880 --> 02:04:45.159
oh three nine two zero sixteen twenty
two. All right, put three three

1740
02:04:45.279 --> 02:04:48.640
seven one three eight two five five. We do have a couple lines open.

1741
02:04:48.640 --> 02:04:53.279
Don't forget three oh three Martino.
That number works on and off the

1742
02:04:53.319 --> 02:04:56.199
air. You can call us over
the weekend. If we don't pick up,

1743
02:04:56.279 --> 02:04:58.520
leave a message. I promise we'll
get back to you and get you

1744
02:04:58.600 --> 02:05:01.359
on the air. Try to get
your problem solved, and I mean that's

1745
02:05:01.399 --> 02:05:06.560
really it. You realize over four
hundred No what am I saying? Three

1746
02:05:08.119 --> 02:05:13.600
three hundred million dollars in cash,
merchandise, exchanges and refunds directly due to

1747
02:05:13.680 --> 02:05:17.239
the show different services three hundred million
plus. We don't charge one point for

1748
02:05:17.319 --> 02:05:20.000
it. One Clear Choice Garage,
by the way, talk about a good

1749
02:05:20.039 --> 02:05:25.319
company. You realize they do emergency
services. Maybe you have a door that

1750
02:05:25.479 --> 02:05:28.880
breaks in the middle of the morning
or at night and you can't get it

1751
02:05:28.960 --> 02:05:30.960
open or closed. You got to
get your car out. Check out One

1752
02:05:31.000 --> 02:05:34.359
Clear Choice Garage doores dot com.
They're great people. They can come right

1753
02:05:34.399 --> 02:05:39.600
out. They've got openers brand new
installed for under four hundred dollars. We've

1754
02:05:39.600 --> 02:05:42.640
had a couple of them from them. They're all bel driven, quiet,

1755
02:05:42.680 --> 02:05:45.399
great stuff. They've got anything to
do with garage doors and of course garage

1756
02:05:45.439 --> 02:05:49.239
doors themselves. If you had some
hail damage and you don't want that cheapy

1757
02:05:49.600 --> 02:05:54.560
builder grade door anymore, go over
there. Check them out One Clear Choice

1758
02:05:54.600 --> 02:06:00.159
Doors dot Com. A lot of
payment information or prices is literally right on

1759
02:06:00.199 --> 02:06:05.239
their website. Talk about saving money. How about solar You know what probid

1760
02:06:05.399 --> 02:06:10.199
energy. It's like basically one phone
call, or just visit their website.

1761
02:06:10.319 --> 02:06:13.640
They can give you a quote.
A lot of their stuff is under twenty

1762
02:06:13.720 --> 02:06:16.640
twenty one thousand and check it out. That includes the battery backup. So,

1763
02:06:16.960 --> 02:06:20.199
if you've talked Solar in the past
to other companies and you never pulled

1764
02:06:20.239 --> 02:06:24.119
the trigger, and it's been a
while, the prices have come down,

1765
02:06:24.439 --> 02:06:27.119
some of the tax credits have gone
up, would you give them a call.

1766
02:06:27.319 --> 02:06:32.000
There's nothing to lose. Probidenergy dot
comprobdenergy dot com. Now let's move

1767
02:06:32.079 --> 02:06:38.239
on and move back to this jeep. So Rich says his jeep has been

1768
02:06:38.439 --> 02:06:42.520
in. It's a twenty twenty one
jeep Gladiator. And what dealership did he

1769
02:06:42.600 --> 02:06:45.000
say? Guys, do we know? No, he didn't say. He

1770
02:06:45.039 --> 02:06:48.239
didn't say, Hey, what dealership
hasn't been in for a month. I'm

1771
02:06:48.239 --> 02:06:53.279
sorry, what dealership has it been
in? I'd rather not say at this

1772
02:06:53.319 --> 02:06:56.760
point than you've been working with me
on it. Why are they saying it's

1773
02:06:56.800 --> 02:07:00.000
gonna be Why are they saying what's
going on? Are they saying the engine

1774
02:07:00.199 --> 02:07:02.159
back ordered? What do they say? Well, right now, they're not

1775
02:07:02.199 --> 02:07:08.119
saying that much as in basically,
it was making noise on the top end

1776
02:07:08.279 --> 02:07:11.159
they've rebuilt their heads on one side, they've rebuilt their heads on the other

1777
02:07:11.239 --> 02:07:14.239
side. They've replaced the other parts
and stuff like that, and it's still

1778
02:07:14.239 --> 02:07:16.359
doing it. And it's still doing
it. Okay, hold on, hold

1779
02:07:16.359 --> 02:07:19.840
on, I got to ask my
experts something. What he just said drives

1780
02:07:19.880 --> 02:07:23.840
me crazy. I don't know why. I don't know if that's normal.

1781
02:07:24.239 --> 02:07:28.520
But we've had two engines replaced under
warranty, one with one hundred and ten

1782
02:07:28.600 --> 02:07:31.920
thousand miles a Hondai where they extended
it, and then another one with like

1783
02:07:32.000 --> 02:07:35.479
eighty thousand miles, both of them. Both of them, they didn't try

1784
02:07:35.520 --> 02:07:39.760
to rebuild anything. They send a
new engine and swap it out. Is

1785
02:07:39.760 --> 02:07:43.199
that what jeep does? They try
to literally fix it. Yeah, because

1786
02:07:43.199 --> 02:07:45.920
the problem is in the heads and
the cams, and that's three sixteep.

1787
02:07:45.159 --> 02:07:48.479
That's the problem. So it's an
inherent issue. It's a known problem.

1788
02:07:48.880 --> 02:07:54.800
Oh my god. But at this
point that they have done all that and

1789
02:07:54.840 --> 02:07:57.640
it still has that noise. So
they've even put a new cam in it

1790
02:07:58.279 --> 02:08:03.199
and everything like that. So I
guess kind of my question is is it

1791
02:08:03.279 --> 02:08:07.079
unreasonable to go and request or demand
a new motor on it? They keep

1792
02:08:07.079 --> 02:08:11.640
throwing parts at it. It keeps
having the issue and it keeps getting delayed.

1793
02:08:11.880 --> 02:08:16.199
Yeah, I would be definitely,
I'd be living. Yeah, I

1794
02:08:16.199 --> 02:08:18.039
mean you're talking, this is crazy. Hold on, man, I got

1795
02:08:18.079 --> 02:08:22.199
to take this. I want to
think about this over break and maybe what

1796
02:08:22.319 --> 02:08:24.399
we can do. I mean,
you don't want to give the name out

1797
02:08:24.399 --> 02:08:26.520
on air. I guess I can
respect that at at this point, but

1798
02:08:26.600 --> 02:08:30.600
maybe we have a deputy call over
there and just kind of see what's in

1799
02:08:30.640 --> 02:08:33.479
their brain. Why are they doing
this. I'm dying to know. I'm

1800
02:08:33.479 --> 02:08:37.039
really dying to know what dealership it
is. Hold on, go with a

1801
02:08:37.079 --> 02:08:41.439
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

1802
02:08:41.640 --> 02:08:48.439
until you're content. Time for an
insurance check up free, no obligation.

1803
02:08:48.439 --> 02:08:52.399
In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance

1804
02:08:52.439 --> 02:08:56.920
companies find out now three all three
seven to seven to one help. You'll

1805
02:08:56.960 --> 02:09:01.319
think you're his only customer when you
choose Frank durand the Stateman dot com to

1806
02:09:01.399 --> 02:09:05.079
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

1807
02:09:07.800 --> 02:09:11.199
Hey, I was gonna say,
I just got an email for the

1808
02:09:11.319 --> 02:09:18.479
estate guy, so anything not just
contracts when it comes to a state planning,

1809
02:09:18.520 --> 02:09:22.840
not just that. He does asset
protection, lawsuit prevention. That's a

1810
02:09:22.880 --> 02:09:26.119
big one. I'm talking about Dan
McKenzie. For those who didn't send me

1811
02:09:26.159 --> 02:09:30.399
the email coplans dot com. But
he can do wills, trust, powers

1812
02:09:30.439 --> 02:09:35.600
of attorney, medical directives, beneficiaries, deeds. The guy is remarkable and

1813
02:09:35.720 --> 02:09:39.279
he's a great attorney. If you
call him up and talk to him,

1814
02:09:39.319 --> 02:09:41.079
he'll give you a price on what
you need done. He can even do

1815
02:09:41.119 --> 02:09:45.800
payable on death bank accounts. He
can just help you out in a time

1816
02:09:45.800 --> 02:09:48.439
of need or if you're pre planning, he can help you out with that

1817
02:09:48.560 --> 02:09:52.840
will or trust. Uh seven two
zero eight two one seventy six oh four.

1818
02:09:52.960 --> 02:09:58.039
That's the McKenzie Law firm. Or
go to co plans coplans dot co.

1819
02:09:58.600 --> 02:10:01.319
Now the other one I want to
tell you about real quick Denver region.

1820
02:10:01.439 --> 02:10:05.319
These are the guys two hundred and
fifty bucks. Let's say you're a

1821
02:10:05.319 --> 02:10:09.199
little overweight, okay, and you
want to lose some weight. Two hundred

1822
02:10:09.199 --> 02:10:13.439
and fifty bucks a month. These
guys can help you out. It's the

1823
02:10:13.479 --> 02:10:18.079
main ingredient in ozepic, but they
use a compounding pharmacy to get the costway

1824
02:10:18.119 --> 02:10:20.720
down. A lot of places charge
one thousand to two thousand for the same

1825
02:10:20.800 --> 02:10:24.720
thing. They're going to do everything. It includes the visit. They'll tell

1826
02:10:24.760 --> 02:10:28.680
you how to do it each week. It's a weekly dose and it's only

1827
02:10:28.760 --> 02:10:33.760
two hundred and fifty dollars. So
for an MD in person or virtually in

1828
02:10:33.800 --> 02:10:37.000
person through Zoom or something your choice, give them a call anywhere in the

1829
02:10:37.039 --> 02:10:41.279
state of Colorado. Seven two zero
five eight three sixteen forty eight. Lose

1830
02:10:41.319 --> 02:10:46.119
that weight. You've seen it.
You can actually just google ozempic and get

1831
02:10:46.119 --> 02:10:50.039
an idea what it does. Seven
two zero five eight threes sixteen forty eight.

1832
02:10:50.359 --> 02:10:52.479
And you can always find Denver,
Regon on referral list dot com.

1833
02:10:52.479 --> 02:10:56.920
I want to say thanks everybody in
studio today. I love car days.

1834
02:10:56.960 --> 02:11:00.439
I've gotten to know you guys over
time, and you guys really kill it

1835
02:11:00.479 --> 02:11:03.199
out of a lot of industries we
have on a referral list. Jeff,

1836
02:11:03.239 --> 02:11:05.760
I don't think i've ever Oh no, wait, I did get a complaint

1837
02:11:05.760 --> 02:11:09.159
about you. I just don't remember
what it was. It was a long

1838
02:11:09.199 --> 02:11:11.439
time ago. I think it was
the one where he gave the guy his

1839
02:11:11.520 --> 02:11:13.800
money back. Yeah, he did. No, I remember what it was.

1840
02:11:15.079 --> 02:11:18.119
The car was done, It was
perfect. In other words, it

1841
02:11:18.159 --> 02:11:20.880
was ready to be picked up.
You close at what time? Five o'clock?

1842
02:11:22.000 --> 02:11:24.720
Five o'clock. The guy couldn't pick
it up till six, So Jeff

1843
02:11:24.840 --> 02:11:28.199
kind of waited around a little bit. Six comes and goes, and then

1844
02:11:28.279 --> 02:11:33.359
the guy blows us up Monday,
saying Jeff wouldn't stick around. So Jeff

1845
02:11:33.399 --> 02:11:37.399
refunded him all the money, gave
him the car, and honestly did nothing

1846
02:11:37.439 --> 02:11:41.680
wrong. Good for you, Jeff
didn't stick around long enough. Yeah,

1847
02:11:41.720 --> 02:11:43.279
and if you want a transmission,
let me tell you. Let me tell

1848
02:11:43.279 --> 02:11:46.560
you exactly why you call VIC.
You're going to get a great transmission that

1849
02:11:46.600 --> 02:11:50.680
they rebuild, an honest one,
and you're gonna get a great fair price.

1850
02:11:50.079 --> 02:11:54.199
They are at three oh three six
nine three fourteen hundred. Three oh

1851
02:11:54.279 --> 02:11:58.600
three six nine three fourteen hundred.
Jesse Schillinger two locations one North, one

1852
02:11:58.680 --> 02:12:03.680
south, honest accurate auto right or
is one east? I kind of forget

1853
02:12:03.800 --> 02:12:07.000
east and west east. God,
I couldn't have got that is one on

1854
02:12:07.119 --> 02:12:11.600
tea hone. No, No,
these guys are great, honest, accurate

1855
02:12:11.640 --> 02:12:16.239
has been with us in Colorado Springs
since we started with our affiliate down there,

1856
02:12:16.319 --> 02:12:20.079
krd O. Great people all together. Never complain. These guys do

1857
02:12:20.159 --> 02:12:22.680
good. Now. I got to
mention a complaint I got on Kevin about

1858
02:12:22.680 --> 02:12:26.920
three years ago. This guy.
You can't make this up. You cannot

1859
02:12:26.000 --> 02:12:30.960
make it up. The guy dressed
up in a chicken suit and held a

1860
02:12:31.039 --> 02:12:35.319
sign in front of your place.
And you sent me a picture of the

1861
02:12:35.359 --> 02:12:37.399
guy in the chicken suit. Oh
yeah, and it was like a cowsuit

1862
02:12:37.720 --> 02:12:43.479
or a cowsuit. Yeah, just
like on the exactly. I don't even

1863
02:12:43.560 --> 02:12:46.800
remember. Oh I do remember.
I do remember. It was a carburetor,

1864
02:12:46.920 --> 02:12:48.319
wasn't it. I quoted him one
price. I couldn't do the job

1865
02:12:48.359 --> 02:12:52.279
for that price. I put it
all back together, gave him his keys,

1866
02:12:52.479 --> 02:12:54.520
didn't charge of a nickel, didn't
charge him a nickel. And he

1867
02:12:54.640 --> 02:12:58.800
was mad that I wouldn't honor he
quoted him. He quoted him over the

1868
02:12:58.840 --> 02:13:01.239
phone. I want everybody under what
happened. He quoted him over the phone,

1869
02:13:01.239 --> 02:13:05.720
which you never should have done on
a carburetor, and said, okay,

1870
02:13:05.760 --> 02:13:09.439
it'll probably be around one thousand bucks
whatever it was. And then they

1871
02:13:09.479 --> 02:13:13.760
show up your guys dig into it
and there's all kinds of problem more and

1872
02:13:13.840 --> 02:13:16.439
you called him back and said,
well, actually it's going to be twelve

1873
02:13:16.479 --> 02:13:20.760
hundred bucks, and he said no, you said a thousand, and he

1874
02:13:20.920 --> 02:13:26.800
dressed up in a cow suit with
a billboard standing outside my shop. Come

1875
02:13:26.880 --> 02:13:30.159
yeah, just like you know,
don't eat chicken or whatever. It was

1876
02:13:30.199 --> 02:13:33.159
the craziest thing ever. When Kevin
was telling me about I couldn't believe it.

1877
02:13:33.199 --> 02:13:37.000
But I mean, that had to
be five ten years ago. It

1878
02:13:37.039 --> 02:13:39.640
was a while ago. Yeah,
that was one of the funniest complaints I've

1879
02:13:39.640 --> 02:13:43.680
ever heard. Pretty cool man.
Yeah, it's crazy. But anyhow,

1880
02:13:43.720 --> 02:13:48.359
you guys want good car places.
All these people go to referral list dot

1881
02:13:48.399 --> 02:13:52.079
com. Type an automotive. Just
look for a shardan auto tech. Look

1882
02:13:52.159 --> 02:13:56.560
for Jeff Vic and kimmera transmission.
Look for honest, accurate, all great

1883
02:13:56.560 --> 02:14:00.399
people. Kelly, please get those
people's numbers. We'll get them handled.

1884
02:14:00.760 --> 02:14:03.399
Monday, three oh three Martino once
again. Number works on and off the

1885
02:14:03.399 --> 02:14:07.880
air. Help at troubleshooter dot com. My name's Mark Major, and this

1886
02:14:07.159 --> 02:14:09.399
is the Troubleshooter Network.