WEBVTT

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Yeah, Ritta mad News need advice, so you don't have come run in

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just as fast as the can Shooter's
gonna help come. Man six is the

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Troubleshooter Show. No, Tom Martino, Hi, Tom Martino here, Welcome

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to the show. Three oh three
seven one three talks seven one three eight

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two five five. Now you can
call us there. You can call us

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at three oh three Martino three oh
three six two seven eight four six six

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as well, and that's a number
that reaches us twenty four to seven.

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You can leave a message there with
a number and we will get back to

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and get you on the show without
you having to hold a long time.

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I'm also up on LinkedIn messaging and
next door messaging and YouTube. Of course,

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our YouTube morons know how to get
in touch with me. So become

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a YouTube moron and we'd love to
uh make you part of that family.

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You have to be a moron,
but that's pretty easy for most of you.

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Welcome three oh three seven one three
talks seven one three eight two five

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five. Again, let me go
to the phones. John Followers with us

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personal injury attorney, and we'll talk
some interesting things about personal injury. First

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and foremost did you know that every
year personal injury claims grow. I bet

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you you knew that, didn't you, John, didn't you? In what

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respect? Number are the number of
claims and the number of the the amount

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of dollars? Well, that would
make sense. I mean, in this

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era of just rampant inflation and stuff, every single thing that that would would

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go into the computation of damages has
gone up, medical services, lost wages,

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every thing. You know, to
the extent that all of those things

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go up, you would expect for
the value of damages to go up as

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well. But the number of claims
have gone up too. But here's what's

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interesting. The number of claims have
gone up, but the number of accidents

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and fatalities have gone down. You
know, that's an interesting deal. I've

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not heard that before. So but
just right off the top, you know

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who this is from. This is
from my deputy deputy chat, your your

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old buddy GPT or somebody. Yes, of course, how come minimums haven't

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gone up? Then? Well that's
a great question, but mostly because what

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do you mean by that? Oh? Oh, minimums meaning they're required minimums.

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Even think of a new car that
costs less than twenty five thousand and

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isn't that the minimum forget about the
personal minimum for life, that's personal.

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You're you're talking about personal injury fifteen
fifteen grand Yep, I mean it.

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What it what it really does is
it makes it to where you know,

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it's just inconceivable that the other guy's
insurance is going to be enough to cover

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your property, gainst everything, to
give you huber for a few months.

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Yeah, the average bodily injury claim. Now, John, it distinguishes between

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I don't understand this, between bodily
injury and personal injury. What does that

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mean? There's really no difference between
this. I think Chat. I think

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Deputy Chat made a mistake here.
By the way, I love I love

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artificial intelligence for certain things. And
it really isn't art to call it artificial

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intelligence. I mean, it's a
remarkable tool, but it's really a sophisticated

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search engine. Who's doing that?
Is that Shanning's idea of a joke?

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Yeah? Is that your idea of
a joke? It was a little gassy,

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Yeah, that's that's the old modem
sound. I don't even think any

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of our well most of our old
fart audience would know that, but young

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people would not even know that sound. They don't even know what that is,

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or a fax machine sound? Does
anyone even use facts anymore? Three

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oh three seven one three talk seven
one three eight two five five. Let's

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go to the phones. Dorian is
on the phone. I have Brad O'Brien

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and he's another attorney we have.
He does real estate, John does personal

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injury. We have real estate.
We have a lot of experts. We

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love them. Brad is going to
weigh in on this problem with Dorian.

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Hey, can I interject something?
Tom? And how long ago was this

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Dorian's call? Though not that long
ago? Bright, Go ahead, here's

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the deal. She had a whole
bunch she owns a condominium. She had

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a whole bunch of problems with leaking, et cetera. And oh sunny veil

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in Longman. I see the call
now, So the HOA says it's to

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management. The management said it's the
HOA. So I want to Brad to

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answer whether or not if she's If
they've had the note for a year and

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they haven't done anything, can she
have it fixed and then build them or

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or take it away from HOA?
Dues Well? No, Well, first

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of all, the biggest mistake she
can do is take stuff away from her

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hoa dues. It's not like a
landlord where you can do a constructive eviction.

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I just want to explain this to
Brad O'Brien. It is really what

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it is. Is this the water
spot in her kitchen? She noticed and

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they won't fix it. She doesn't
know where it's coming from, Dorian,

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did they? Did you trace it
to the roof? Are you on the

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top floor? Where are you located
in your condom? Excuse me, I'm

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on the lower level. It's a
three story building and I'm on the lower

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level than the person that would live
above me has a two level condominium above

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me. Okay, got it?
So they have the roof over their unit.

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Yes, and the way it works
when there's worms and stuff, the

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HUA fixes the roofs or does each
one take care of it? This is

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not a roof problem. What is
it? So? I have been told

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by a professional construction company, and
I reached out them to them and ash

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that they provide me their documentation.
The gentleman that's been here, Okay,

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but let's get to your part.
Let's get to the part where they told

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you what it's from. It's from
something decomposing or just literally wearing out,

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or the lack of improper no flashing. Well, then that's a roof problem.

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If there's a flashing problem, that's
a roof problem. No, it

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is where his deck runs it,
got it? Okay, it's the decking

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flashing, deck flashing or window flashing
or siding flash. There's all kind You're

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right, there's all kinds of flashing. They think it's coming from his deck.

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Yes, how did they determine that, Dorian? Well, I have

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had as many as four to five
people here looking at it. And did

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they look at his deck? Is
what I'm asking? Absolutely good? And

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they saw there was no flashing there? Yes, okay, good, Okay.

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That's really good, by the way, because at least we know the

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area of problem. You know the
problem area. What I want to know

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is did you tell the HOA it
was the flashing on his deck? Because

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they need to fix that, not
him. I think it's their responsibility.

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What did they say? I have
documentation from March of twenty twenty three.

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No, No, I just need
to know did they respond to you?

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Did you tell them about it?
They think the construction company that and the

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management company to employees from the management
company and the construction. I guess the

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answer is going to be no,
they did not respond to you. Yes,

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they have not responded to you on
that. Oh, they respond to

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me the last thing they do?
Did and I think I have said?

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Can you tell me what they said, Dorian? Can we get to that

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part? What exactly did they respond
to you? A lot of it's the

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same response. Can you give me
that response please? The HOA will not

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make a recommendation or vote on it, and they say it's in the hands

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of the management company and the management
But the HOA instructs the management company.

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See, I don't understand this,
and Doc, when you said it's between

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those two, they're not two separate
entities. The management company works for the

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HOA. It's Doc. Did you
talk to the management company? I don't

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have my notes from I think I
did, didn't I, Dorian? And

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they never responded. I've never had
any correspondence from anyone there since ire with

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Tom's and this. Okay, what
is the name of the management company?

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Centry s thentry. When you and
I spoke the first time, you looked

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up some of their reviews. Yeah, they were terrible. We were talking,

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Okay, this is a clear cutcase. I don't know what to do

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in cases like this, Brad O'Brien. You know this whole condo townhome nightmare

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thing, you know, knowing what
I know now about how they're formed and

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how loosely they're formed, and how
difficult it is to get anything done.

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I will never own a town home
or a condo again, ever, not

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unless I can control the entire and
it's a co op and I and I

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have a voice in it, and
there's a few own I mean, Brad,

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when you're a homeowner and you're stuck
like this and the HOA is ignoring

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you, and the management company's ignoring
you, what the hell do you do?

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I mean without spending a ton of
money. Well, you got to

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be persistent in demanding that people take
responsibility for what they're required to do for

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maintenance and repairs, right exactly,
And and and they're not. And you

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know, didn't that seem puzzling to
you when they when the HOA says,

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well, we can't do anything.
It's in the home. Excuse me,

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it's in the hands of the management
company. Well that's that's the high they

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manager company to do to handle things
like this. Exactly exactly. So if

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the management company doesn't handle it,
you know what we did try calling that

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management company and they didn't respond.
Let's get their number out. I think

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people should let them know. And
I think what we ought to also do

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is tell everyone about this management company
and how they suck. What's the management

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I'm really tired of management companies.
If they collect money and they do nothing.

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What's the number? Do you have
the number doc that you called over

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there? I don't Dorian should have
it. Do you have this the century's

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number? I'm trying. I should
have had this in advance. But and

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go get it, Go get it? Okay. All we can do is

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put pressure on Sentry, and I
don't blame you for being frustrated. It

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is unfricking believable how many times people
have to I don't know, they have

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to pray that their management company pays
attention to them. And your HOA are

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a bunch of idiots if they don't
understand they're the ones that hire the management

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company. Who's the president of your
HOA? Who is that moron? The

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president currently is not the same president
as when I purchased this place. The

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president now is the owner of the
condominium above me, the one with the

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bad deck. Yes, you know, I want to ask something, and

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I want to ask Brad and John
Fuller. John Fuller does personal injury,

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but he knows where I'm going with
this. Would she have an action against

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that owner upstairs if his deck has
the water intrusion or is he shielded by

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the hoa? Brad Well, the
condo declaration is going to say what components

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of the building are the responsibility of
the unit owner to repair in the place

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in which one which things components are
the responsibility of the h ua to repair

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in a place like roof walls.
So, but I don't know at this

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time. Is the flashing on the
deck Is that going to be in the

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declaration something that the unit owner a
boat has to pay for or the h

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ua? So I suspect. I
suspect it's the hoa. But because it's

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outside, that's why I cannot legally
repair it, because it is outside of

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the interior of my condominium. Okay, I'm going to ask you, Brad,

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if you were living there, what
would you do this face with the

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same exact situation you're living there.
The guy upstairs is the president of the

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HOA, his deck is leaking into
your kitchen. Well, Number one,

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investigate where's the source? Sounds like
we have that. Number two, look

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at the declaration and find out who
specifically is responsible for the leak coming into

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the flashing of the deck. And
then when you find out who's responsible,

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then what that's when you make a
demand to that part and is responsible back

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there this point of the demand to
be to the A or to the owner

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above. And I think she made
the demand to the HOA, and I

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think that's what it's going to turn
out to be. Did you literally go

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to a meeting of the HOA,
Dorian? I generally attend most of them,

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which they have a monthly meeting on
the first Tuesday. Well they change

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it, but it's usually the first. And when you try to speak to

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them, what are they saying?
Line? And I'm always there. All

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right, we need to look at
it. We need to take a break.

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Here's what I want to do,
Docy. Call this guy personally,

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call this HOA president, personally,
call him and say, look, you

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know, you guys have a responsibility. Do you what do you want?

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What are you doing? No,
Tom, that's a good idea. I

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never thought of that. Let's just
call this president. You live upstairs.

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Why don't you bring this to the
board and don't let him tell you it's

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the management company's responsibility because they hire
and control the management company. We have

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more coming up, Hey, Dlarian, go with a sure thing Denver's best

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roofer Excel Roofing dot com. You
don't pay a cent until you're content.

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Time for an insurance check up free, no obligation. In comparison, call

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Compass Insurance paying too much your coverage
at dozens of insurance companies find out now

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00:14:58.399 --> 00:15:01.720
three O three seven to seven to
one help. You'll think you're his only

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00:15:01.799 --> 00:15:05.639
customer when you choose Frank durand the
real estate Man dot com to list your

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home with Remax Alliance three oh three
nine two zero sixteen twenty two. Tom

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Martino, your troubleshooter three O three
seven one three talk seven one three eight

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two five five. Okay, so
let's continue here and we'll have Scott who

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has a problem with blood work at
UCE Health. Scott, what's going on?

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Hey Tom, it's not really so
much for a problem. But first

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I'd like to thank you and your
team for all you guys do to advocate

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for us. Thank you, thank
you. I appreciate it. Yeah,

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yeah, we appreciate you. So, just briefly, I just wanted to

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convey some information that may be of
interest to your listeners regarding medical billing.

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Okay, yeah, So I recently
received a bill for diagnostic lab work that

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was a lot higher than previous billings, about four times just for routine diagnostic

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lab work. Okay. So I'm
a healthy mail in my sixties. All

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I need each year's an annual wellness
visit and the blood draw which the associated

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lab diagnostics. What was different this
time was that my primary care physician of

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maye many years had recently moved his
practice to a U See Health clinic.

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All right, visit part of my
visit. I called and asked what the

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process is for the blood draw.
They basically, you know, told me,

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come in the office. It's just
like the same as my doctor did

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00:16:34.240 --> 00:16:40.080
for you know, years years past. No difference there. What I didn't

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00:16:40.120 --> 00:16:42.840
ask them was what lab they used
for doing the diagnostics, and that turned

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00:16:42.879 --> 00:16:49.159
out to be important. So after
the first visit with my doctor you see

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health, I received a bill for
the diagnostic lab work for over four hundred

210
00:16:52.559 --> 00:16:56.759
dollars, which is a lot higher
than previous lab work. What were the

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00:16:56.799 --> 00:17:00.279
previous How much did the previous ones
cost? Well, so I'm on a

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00:17:00.320 --> 00:17:07.599
high deductible plan and so without any
without typically about maybe a hundred bucks for

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00:17:07.640 --> 00:17:11.440
the labs, typically about how much? About three hundred? No, no,

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00:17:12.440 --> 00:17:15.720
I'm sorry, one hundred you said, Okay, go ahead, So

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00:17:15.799 --> 00:17:18.359
one hundred dollars compared to four eyes
four times as much as a lot more.

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00:17:18.720 --> 00:17:22.720
But did they do more testing?
No, no, it was the

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00:17:22.720 --> 00:17:25.880
same testing. It was the same
testing. So let me so here.

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00:17:26.119 --> 00:17:30.119
So you know, although my very
first instinct was to call you Tom Martinez

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00:17:30.119 --> 00:17:33.640
the troubleshooter and then will jack you
over this bill? Instead, I decided

220
00:17:33.680 --> 00:17:38.079
to do take a look at the
EOBS estimation benefit from this? Right?

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00:17:38.279 --> 00:17:41.640
The previous ones were laughing? Or
did the dynastics? By the way,

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hold on, Scott, A lot
of people don't bother doing this, and

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it's a good idea. But I
want to ask you, is this affecting

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00:17:48.960 --> 00:17:52.160
you because you have to pay this
in your high deductible plan? Right?

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00:17:52.759 --> 00:17:56.000
Yes? Correct? Okay, keep
going. What happened then? Well,

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00:17:56.039 --> 00:17:59.799
anyway, so so when I when
I examined the EOBS, what I found

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00:17:59.839 --> 00:18:00.880
was that, you know, first
I thought, well, you see Health

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00:18:00.960 --> 00:18:06.119
is just gouge amie on the cost
of these procedures. That wasn't the case.

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They charged roughly to the insurance the
same amount that lab Cort does.

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00:18:11.559 --> 00:18:15.400
But what was difference was where there
was a big difference was in the negotiated

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00:18:15.480 --> 00:18:19.559
rate between the last and the insurance, and that's what resulted in this quarter

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00:18:19.599 --> 00:18:26.559
dollars bill. Wait a minute,
Wait a minute. They normally don't charge

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00:18:26.559 --> 00:18:30.279
that much, except for insurance.
So typically if you look at an EOB

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00:18:30.599 --> 00:18:36.640
you'll see that the service provider in
this case, you see Health will have

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00:18:36.720 --> 00:18:41.400
an amount built let's say it's like
two hundred bucks, and then the insurance

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00:18:41.440 --> 00:18:44.599
will say, well, here's the
amount. Here's the negotiated amount that we're

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going to pay. So it's an
amount of that two hundred that is an

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00:18:48.279 --> 00:18:52.640
agreement between the provider and the insurance
on how much is I get it?

239
00:18:52.960 --> 00:18:55.400
Yeah, right, okay, And
then and then of course if I have

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00:18:55.480 --> 00:19:00.160
deductible, that's the amount that I
pay, right yeah. So the the

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00:19:00.279 --> 00:19:07.839
amount of negotiated between my insurance and
lab poor had been about between between ten

242
00:19:07.920 --> 00:19:11.039
and thirty percent of the build them
out in the case of you See Health,

243
00:19:11.039 --> 00:19:15.240
it was more like forty to fifty
percent. So when you add that

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00:19:15.359 --> 00:19:19.039
up over you know, five six, seven procedures, diagnostic procedures, well

245
00:19:19.079 --> 00:19:22.559
you know it adds up to like
okay, but I still I'm still not

246
00:19:23.079 --> 00:19:30.279
what. Okay, you're telling me
that this that the test costs exactly the

247
00:19:30.319 --> 00:19:33.240
same. But when you go through
you See Health, it's more than when

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00:19:33.240 --> 00:19:41.519
you go through someone. Yes,
because my insurance, the negotiated acceptable rate

249
00:19:41.960 --> 00:19:45.359
that my insurance is negotiated with U
S Health is much higher than with lab.

250
00:19:45.400 --> 00:19:51.160
Poor. Okay, yeah, you
know they're allowing they're allowing you See

251
00:19:51.200 --> 00:19:56.440
Health to charge more. Basically,
yes, exactly. But is you see

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00:19:56.440 --> 00:20:02.400
Health making a markup on this bloodwork? I don't know, I mean probably,

253
00:20:03.759 --> 00:20:06.799
Well how much are they being charged
for it? Well, like I

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00:20:06.799 --> 00:20:08.519
said, what I found was when
I when I compare the amount that you

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00:20:08.599 --> 00:20:12.200
See Health builds for any of these
procedures against lab or, they're about the

256
00:20:12.200 --> 00:20:15.680
same. No, I get it. So is here's what I'm asking you

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00:20:15.720 --> 00:20:19.079
See Health is doing their own work
there, then yes, they have their

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00:20:19.079 --> 00:20:23.400
own lab Okay, all right,
I get it. Well, and guess

259
00:20:23.559 --> 00:20:27.960
guess what I guess this is not
new in the world of insurance. I

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00:20:29.200 --> 00:20:32.200
what I thought you were telling me
was that they were both being done by

261
00:20:32.279 --> 00:20:34.079
lab Corps, but one was going
through you See Health. You're saying,

262
00:20:34.119 --> 00:20:38.000
you See Health has its own negotiated
rate, and lab Core has its own

263
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negotiated rate. If you went direct, they would be roughly the same,

264
00:20:42.359 --> 00:20:47.079
right, yeah, And so how
much would it be if you went direct?

265
00:20:47.119 --> 00:20:49.279
By the way, if I went
to Labcorp, about one hundred dollars

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00:20:51.319 --> 00:20:56.400
no direct as a person walking off
the street, do you know? Uh

267
00:20:56.440 --> 00:21:00.759
no, I well, oh yes, you see Health, the procedures would

268
00:21:00.759 --> 00:21:04.680
have been six hundred and eighty one
dollars. Okay, okay, so you

269
00:21:04.720 --> 00:21:07.640
did get some benefit. It's just
a pain in the ass, but there's

270
00:21:07.640 --> 00:21:11.640
nothing you can do about it.
I mean, that's the way insurance works,

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00:21:11.960 --> 00:21:15.440
John John Fuller. By the way, with personal injury, doesn't it

272
00:21:15.480 --> 00:21:19.039
work much that way when it comes
to negotiated rates with anything. Don't you

273
00:21:19.079 --> 00:21:23.440
find that in medpay? Well,
that's a battle we fight all the time

274
00:21:23.480 --> 00:21:29.240
with medpay. And so you know
there is here's the thing. The only

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00:21:29.279 --> 00:21:33.599
reason you have repricing and stuff that
goes on in the medical business is because

276
00:21:33.640 --> 00:21:37.200
there are contractual relationships between the providers
and the insurance companies. Right if that

277
00:21:37.400 --> 00:21:44.319
contract doesn't exist, then there's no
mechanism for that insurance company to reprice that

278
00:21:44.400 --> 00:21:47.920
bill. So one of the challenges
we had, at least early on in

279
00:21:47.960 --> 00:21:52.160
the process was, and Mark can
attest to this, was they they would

280
00:21:52.160 --> 00:21:56.240
build these exorbitant rates for things that
they never actually intended to receive a cash

281
00:21:56.279 --> 00:22:00.359
payment for, and they would submit
that to medpay. Medpayer actually pay the

282
00:22:00.519 --> 00:22:04.960
entire bill. So instead of the
six hundred dollars that your health insurance may

283
00:22:06.000 --> 00:22:11.039
pay for the MRI, the hospital
was receiving twenty four hundred dollars because that's

284
00:22:11.079 --> 00:22:15.000
simply what was billed to your medical
payment. So it's a challenge that we

285
00:22:15.160 --> 00:22:18.279
dealt with forever. So that's weird. So you're telling me, if they

286
00:22:18.319 --> 00:22:22.920
bill medpay they want more than if
they bill your insurance, Well, certainly,

287
00:22:22.000 --> 00:22:26.279
yeah, they're greedy, just like
everybody else. They recognized early on

288
00:22:26.400 --> 00:22:30.839
that if they managed to submit that
bill to medpay early on, that they

289
00:22:30.839 --> 00:22:36.039
could get paid one hundred cents on
the dollar versus what they had contracted you

290
00:22:36.519 --> 00:22:40.880
to get that. Are you able
to negotiate that. Well, not after

291
00:22:40.920 --> 00:22:44.279
they receive the money. You're not. So when we walked into the er

292
00:22:44.720 --> 00:22:48.759
when Addie got rear ended, John
was her attorney. Tom As soon as

293
00:22:48.799 --> 00:22:52.039
you give that car insurance information,
the hospital asks for it, they go

294
00:22:52.160 --> 00:22:57.119
after that medpay as fast as they
possibly can. It's crazy. So really,

295
00:22:57.160 --> 00:23:00.200
I hate to say it. The
best way is you don't give and

296
00:23:00.240 --> 00:23:03.480
I I tell me if this is
bad advice, but you don't give your

297
00:23:03.519 --> 00:23:07.759
auto insurance to the emergency room because
you're going to be first in line for

298
00:23:07.799 --> 00:23:11.680
that medpay And there's no question,
is that right? John? Would you

299
00:23:11.759 --> 00:23:15.200
use your health insurance instead? Oh, if you have an option, absolutely,

300
00:23:15.359 --> 00:23:18.720
I would far prefer for every single
bill to go through a repricing entity

301
00:23:18.839 --> 00:23:22.480
like a health insurance or a medicaid
or somebody. But then therefore we apply

302
00:23:22.599 --> 00:23:26.720
the medical payments covered. And what
do you use medsafe? Medsafe? We

303
00:23:26.799 --> 00:23:30.640
use medpay for deductibles, co pays, out of pocket expenses, all those.

304
00:23:30.839 --> 00:23:34.359
If you have insurance so you can
still use medpay absolutely, yeah,

305
00:23:34.359 --> 00:23:38.319
we use it to pay back the
subrogation that your health insurance wants. Unbelievable.

306
00:23:38.400 --> 00:23:41.599
This is a great lower price.
This is great information. Scott.

307
00:23:41.640 --> 00:23:44.559
By the way, I know that's
not why you called, but here's what

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00:23:44.599 --> 00:23:45.319
I want to ask you. Scott. You said you want to get the

309
00:23:45.359 --> 00:23:48.720
word out. My question is why
what can we do? We can't do

310
00:23:48.799 --> 00:23:53.960
anything about it, and I mean
that facetiously. Why really, I'm not

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00:23:55.000 --> 00:23:57.720
expecting to do anything about this.
My point in the takeaway is that to

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00:23:57.799 --> 00:24:02.960
your listeners, as can consumers,
we tend to be focused on what coverages

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00:24:03.000 --> 00:24:06.839
our insurance provides. Is this procedure
covers af procedure coverage, but we just

314
00:24:06.960 --> 00:24:11.400
we need to also be very aware
of negotiated rates between the insurance and the

315
00:24:11.400 --> 00:24:15.799
medical providers, especially in situations like
mine, where you know, I change

316
00:24:15.839 --> 00:24:19.680
from one lab provider to another.
So it's just got I feel for you.

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00:24:19.759 --> 00:24:22.759
But I mean a lot of us
that have gone through anything like that

318
00:24:22.960 --> 00:24:26.559
know that. Hey, Tom,
look at line one. He says he's

319
00:24:26.599 --> 00:24:30.559
got info. Okay, we will
come back and talk about this. He

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00:24:30.680 --> 00:24:33.519
works at a lab. He's going
to talk to us about that. I'll

321
00:24:33.559 --> 00:24:40.359
go to him and more coming up. Go with a sure thing Denver's Best

322
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326
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327
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Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom Artino,

328
00:25:11.319 --> 00:25:15.519
you're a troubleshooter three all three seven
one three talk waterpros dot net.

329
00:25:15.519 --> 00:25:18.519
The best water systems, the lowest
prices. I say it every day because

330
00:25:18.519 --> 00:25:21.880
I mean it. I love my
coffee because of it. Well, don't

331
00:25:21.920 --> 00:25:25.880
get it just for your coffee.
But listen, great water is hard to

332
00:25:25.880 --> 00:25:29.599
come by. It truly is.
Even bottlewater has nanoplastics in it. You

333
00:25:29.599 --> 00:25:33.880
can get a whole system at your
kitchen sink. Doesn't even require electricity as

334
00:25:33.920 --> 00:25:37.079
reverse osmosis triple filter three all three
eight six two five five five four.

335
00:25:37.519 --> 00:25:42.319
And it's just fourteen hundred bucks fully
installed, a fraction of what you'll pay

336
00:25:42.359 --> 00:25:48.519
at other places. Now that's waterpros
dot net. Jerry says he has some

337
00:25:48.599 --> 00:25:55.759
information. The guy said look,
I'm tired. You see bloodwork pay charges

338
00:25:55.799 --> 00:26:00.640
about the same over the counter for
their blood work as lab core. But

339
00:26:00.720 --> 00:26:03.079
when you go there through your insurance, it depends on what insurance you have

340
00:26:03.160 --> 00:26:07.599
and what on what they what they
what they negotiate, so you end up

341
00:26:07.640 --> 00:26:14.119
paying more as a patient, uh, depending on the negotiated rate. And

342
00:26:14.799 --> 00:26:18.839
you know, everyone seems to be
saying, duh, we know that it

343
00:26:18.160 --> 00:26:22.119
does seem unfair, though it really
does. I don't know why it feels

344
00:26:22.200 --> 00:26:26.279
unfair to me, even though I'm
all for free enterprise. They ought to

345
00:26:26.319 --> 00:26:30.160
just charge a charge and be done
with it. And I'll tell you that

346
00:26:30.240 --> 00:26:34.559
this really is unfair and and and
I'll tell you why. I'll give you

347
00:26:34.599 --> 00:26:37.480
an example. But Jerry, go
ahead, you say you have info on

348
00:26:37.519 --> 00:26:41.039
that. Yeah, Hi, this
is it's actually Terry. I'm out of

349
00:26:41.079 --> 00:26:45.440
Alaska. I've called it a few
times, Yes, Terry. Yeah,

350
00:26:45.559 --> 00:26:51.119
I work for the other largest lab, which is Quest Diagnostics, And so

351
00:26:51.440 --> 00:26:55.440
I think there's a big misunderstanding here
with this person. I get this all

352
00:26:55.480 --> 00:27:00.960
the time. So what happens is
these are CPT trips in test codes,

353
00:27:00.000 --> 00:27:04.799
which is a billable code. You
have to wait for the process to go

354
00:27:04.920 --> 00:27:11.519
completely through. Because with labs,
we are contracted with all these insurance companies

355
00:27:11.559 --> 00:27:17.079
and sometimes Quest is preferred, lab
Core is preferred, or we're both preferred,

356
00:27:17.079 --> 00:27:19.759
which means lowre on of pocket.
We're always going to be much less

357
00:27:21.359 --> 00:27:25.000
than the hospitals or the clinics because
we're the biggest laps in the world.

358
00:27:25.079 --> 00:27:27.839
We have that negotiating power. But
when you get an EOP, I get

359
00:27:27.839 --> 00:27:30.119
this all the time. They call
and say, hey, this builds so

360
00:27:30.200 --> 00:27:34.279
much higher. Let it go through
the CPT process, give it another sixty

361
00:27:34.359 --> 00:27:38.240
days, and that's where the discounts
come off. The discounts are going to

362
00:27:38.279 --> 00:27:41.920
come off right away because it has
to go through a process because you have

363
00:27:42.039 --> 00:27:48.400
your diagnosis codes. Everything has to
be in alignment with diagnosis. Then if

364
00:27:48.440 --> 00:27:52.720
that diagnosis isn't correct, the insurance
won't cover it. But then the provider

365
00:27:52.799 --> 00:27:56.400
can add more diagnosis codes and we
can rerun it through. So there's a

366
00:27:56.400 --> 00:28:00.559
lot of different scenarios, but the
patients need to be paid because we do

367
00:28:00.720 --> 00:28:04.240
provide the best discounts when it comes
to labs. If it's going to the

368
00:28:04.359 --> 00:28:08.160
send out lab like QUEST or lab
Coort, if you get that same test

369
00:28:08.279 --> 00:28:12.599
done at the hospital, you're paying
ten times on the higher amount. But

370
00:28:12.720 --> 00:28:18.720
that's where we get the bad rep
because we're contracted with the hospitals for sendouts.

371
00:28:18.039 --> 00:28:22.480
A lot of hospitals do their own
lab work in house, so I

372
00:28:22.519 --> 00:28:26.039
would say tell them just to wait. Let it go through the CPP,

373
00:28:26.759 --> 00:28:32.079
the code process. Don't look at
the EOBS. That's the explanation of benefits.

374
00:28:32.319 --> 00:28:34.279
Let the discounts come into play,
and then you'll get a final bill.

375
00:28:34.720 --> 00:28:37.119
Okay, So, Terry, I
want to ask a couple questions on

376
00:28:37.200 --> 00:28:42.880
this right are you saying though working
at where you work, do you charge

377
00:28:42.920 --> 00:28:48.400
different amounts depending on who comes in
for the blood work? It depends on

378
00:28:48.480 --> 00:28:52.440
their insurance. So if you and
I have both, let's just say,

379
00:28:52.480 --> 00:28:56.319
et none, I might pay more
per out of my you know, each

380
00:28:56.440 --> 00:29:00.920
month to get a lower deductible,
have a lower responsibility for my family.

381
00:29:02.240 --> 00:29:04.000
No, I'm not talking about that. No, I'm not talking about that.

382
00:29:04.079 --> 00:29:10.839
I am asking if a patient goes
in there with one type of insurance

383
00:29:11.319 --> 00:29:17.039
XYZ and another person goes in there
with ABC insurance, are they are those

384
00:29:17.119 --> 00:29:25.160
two insurance companies build the same or
differently, like with your bearer insurances.

385
00:29:25.480 --> 00:29:29.319
Typically it's the same because we're negotiating
with the larger insurances like you're you know,

386
00:29:29.480 --> 00:29:32.279
of Healthcare at INA's Blues, all
that kind of stuff. But if

387
00:29:32.279 --> 00:29:36.680
it's a smaller one and they don't
let's say they don't want to negotiate,

388
00:29:36.960 --> 00:29:40.480
then they typically are going to have
a higher rate. But why for the

389
00:29:40.519 --> 00:29:45.559
same work. I'm just curious why, because quest once, it's all about

390
00:29:45.559 --> 00:29:48.519
business. We want to buy,
we want to be No. I get

391
00:29:48.519 --> 00:29:52.319
that, I get that, but
that's like really and truly. So what

392
00:29:52.359 --> 00:29:56.480
you're saying is if a customer comes
to you, being the health insurance company

393
00:29:56.839 --> 00:30:02.680
and they can bring you twenty thousand
patients as opposed to a smaller company that

394
00:30:02.759 --> 00:30:04.880
only brings you a few hundred or
one thousand, you're going to give the

395
00:30:04.920 --> 00:30:10.039
better price to the volume. Well, are the ones that's going to commit

396
00:30:10.119 --> 00:30:11.039
to us, so it doesn't necessary. Yeah, I know, I know

397
00:30:11.079 --> 00:30:15.400
what you're saying. That makes sense
in that regard the volume pricing makes sense

398
00:30:15.880 --> 00:30:22.759
for the insurance company sometimes though it
sounds so arbitrary. Uh, it just

399
00:30:22.359 --> 00:30:27.880
really baffles me how there are so
many rates for the same exact procedure and

400
00:30:29.039 --> 00:30:33.279
you you know that they're not taking
a loss on anything about how about when

401
00:30:33.839 --> 00:30:36.599
the FEDS, I think it was
a FED that came out and said hospitals

402
00:30:36.599 --> 00:30:40.440
had to list prices, and they
did that, they passed it. But

403
00:30:40.599 --> 00:30:44.319
there's absolutely no one doing it.
There's no teeth in it. It doesn't

404
00:30:44.319 --> 00:30:47.720
almost doing it. Okay, we
gotta we gotta take another break, unfortunately,

405
00:30:48.240 --> 00:30:51.279
but but we're going to take all
of your calls. Scott brought up

406
00:30:51.279 --> 00:30:55.079
a bit good topic with this bloodwork. Thank you, Scott. Three oh

407
00:30:55.160 --> 00:30:57.440
three seven one three eight two five
five. By the way, before I

408
00:30:57.440 --> 00:31:00.839
take your break, I want to
tell you eight eight eight heating dot com

409
00:31:00.880 --> 00:31:03.920
is still doing free inspections of your
ac of your furnace, or if your

410
00:31:03.960 --> 00:31:07.440
plumbing, or of your electrical system. It's all free because they want to

411
00:31:07.480 --> 00:31:11.880
be they're launching their plumbing and heating
excuse me, they're plumbing and electric division.

412
00:31:11.920 --> 00:31:15.160
They want to celebrate that and they
want to thank the community for their

413
00:31:15.160 --> 00:31:18.000
growth. Eight at eight heating dot
Com, So get that done please,

414
00:31:18.400 --> 00:31:22.880
And that is free inspections for the
asking from an honest company. Three oh

415
00:31:22.920 --> 00:31:32.920
three seven seven zero two seven seven
six Go with a sure thing Denver's Best

416
00:31:33.000 --> 00:31:37.039
roofer Excel roofing dot com. You
don't pay a cent until you're content.

417
00:31:40.400 --> 00:31:42.960
Time for an insurance check up free, no obligation. In comparison, call

418
00:31:44.079 --> 00:31:48.039
Compass Insurance paying too much your coverage
at dozens of insurance companies find out now

419
00:31:48.119 --> 00:31:52.400
three all three seven seven to one. Help. You'll think you're his only

420
00:31:52.480 --> 00:31:56.319
customer when you choose Frank durand the
real estate Man dot com to list your

421
00:31:56.319 --> 00:32:04.759
home with Remax Alliance three all three
nine two zero sixteen twenty two by Tom

422
00:32:04.759 --> 00:32:07.720
Martino, Your Troubleshooter three all three
seven one three talks seven one three eight

423
00:32:07.759 --> 00:32:13.119
two five five Colin. He wants
to talk about identity theft. We have

424
00:32:13.160 --> 00:32:15.640
some open lines after him as well. We have Skinny on the line waiting.

425
00:32:15.640 --> 00:32:17.400
Three all three seven one three talks
seven one three eight two five five

426
00:32:17.519 --> 00:32:22.119
Colin. What's going on? Hi? My name is Slin and I'm going

427
00:32:22.200 --> 00:32:27.799
because I just recently got frauded and
half identity theft and was staying How did

428
00:32:27.799 --> 00:32:32.119
it happen? So? About three
months ago I bought a house and I

429
00:32:32.160 --> 00:32:37.480
gave all my information to my mortgage
broker and my insurance broker. Two days

430
00:32:37.559 --> 00:32:40.279
later, I had a credit cards
put my name, thank accounts to open

431
00:32:40.319 --> 00:32:45.039
my name bunch like that? Wait
right right after both of those, who

432
00:32:45.039 --> 00:32:50.400
do you think did it? To
be honest with you, I don't know.

433
00:32:50.559 --> 00:32:52.960
I don't think either one did it
because obviously they they were, They're

434
00:32:53.039 --> 00:32:58.599
reputable. I got they were actually
referred to me, so I mean they

435
00:32:58.640 --> 00:33:00.599
were, they were trusted accountable,
so that I didn't and this sort of

436
00:33:00.640 --> 00:33:05.839
business. So I mean, so
this was after applying for a loan and

437
00:33:05.920 --> 00:33:10.160
buying the home. No, this
was this was this was applying for the

438
00:33:10.240 --> 00:33:15.920
loan to get the best rate and
the brisk interest rate and the best mortgage.

439
00:33:15.119 --> 00:33:21.000
How many people did you apply to? Two? That's just one on

440
00:33:21.000 --> 00:33:27.480
one, one for mortgage, one
for insurance. That was it? And

441
00:33:27.519 --> 00:33:30.839
then and how did you find out
about the fraudulent accounts? How did you

442
00:33:30.839 --> 00:33:35.279
find out something? I got an
email. I got an email saying,

443
00:33:35.279 --> 00:33:37.920
hey, your card's on its way. I didn't get a credit card,

444
00:33:37.920 --> 00:33:42.240
so I called the company. It's
actually through Wells Fargo's who was for I

445
00:33:42.240 --> 00:33:44.519
called Wells Fargo to say, oh, yeah, this is the open I

446
00:33:44.559 --> 00:33:45.720
said, well, it wasn't me. So they canceled it, closed everything

447
00:33:45.720 --> 00:33:49.480
down which point they said, hey, cool. Obviously you have a fraudulent

448
00:33:49.519 --> 00:33:52.559
issues. So I went ahead,
I contacted the RS dot gov made that

449
00:33:52.599 --> 00:33:57.400
stuff. Did you put a freeze
on your credit? That's the most important

450
00:33:57.400 --> 00:34:01.480
thing. Yes, you know what
that does? Right? Yes? To

451
00:34:01.559 --> 00:34:05.119
where to where? Anytime they try
to open up anything with my credit of

452
00:34:05.160 --> 00:34:09.320
anything, it denies it. That's
right. So that's you fixed your problem.

453
00:34:09.599 --> 00:34:13.119
Yes, so that was my So
that was that. So then two

454
00:34:13.239 --> 00:34:16.280
days ago, so I haven't had
any issues obviously. I mean I saw

455
00:34:16.360 --> 00:34:21.760
that they had over fifteen accounts open
my name. They had over three thousand

456
00:34:21.760 --> 00:34:25.239
dollars of stuff on Amazon and ebab
Wait wait wait all of that in just

457
00:34:25.280 --> 00:34:30.159
a few days. That was No, that was like I'd say, within

458
00:34:30.239 --> 00:34:32.599
a month after giving all the information
out. But yeah, it was pretty

459
00:34:32.599 --> 00:34:37.760
clicked. Did you get it all
handled? Though, I guess I'm not

460
00:34:37.840 --> 00:34:40.960
I'm missing the question. Yes,
So here's my question. Yes, So

461
00:34:42.039 --> 00:34:45.679
what happened was two days ago I
get a call from the Treasury IRS.

462
00:34:46.000 --> 00:34:49.760
Yeah, the number was correct,
I verified it. Everything was good.

463
00:34:50.079 --> 00:34:53.239
Yeah, but that's boom, that's
wooly. They're not going to call you

464
00:34:53.480 --> 00:34:58.639
ever, They're not going to hang
on Colin. We need to tell people

465
00:34:58.719 --> 00:35:01.440
that because you saw, because you
saw the number, it was the number.

466
00:35:01.559 --> 00:35:14.840
Hang on, we'll talk about it
coming up. Go with a sure

467
00:35:14.960 --> 00:35:19.440
thing Denver's Best roofer Excel Roofing dot
com. You don't pay a cent until

468
00:35:19.519 --> 00:35:27.039
you're content. Time for an insurance
check up free, no obligation comparison call

469
00:35:27.159 --> 00:35:30.880
Compass Insurance. Pay too much your
coverage at dozens of insurance companies find out

470
00:35:30.920 --> 00:35:35.440
now three oh three seven seven to
one help. You'll think you're his only

471
00:35:35.559 --> 00:35:38.360
customer when you choose Frank durand the
real estate Man dot com to list your

472
00:35:38.440 --> 00:35:51.840
home with Remax Alliance three oh three
nine two zero sixteen twenty two ript news.

473
00:35:52.760 --> 00:36:04.239
So you don't have anxious can Shooter's
gonna help? Come? Man Dix

474
00:36:04.719 --> 00:36:09.599
is the Troubleshooter Show. No Tom
Martino, Hi, Tom Martino here,

475
00:36:09.679 --> 00:36:13.719
Welcome to the show. Three oh
three seven one three talks seven one three

476
00:36:13.719 --> 00:36:15.880
eight two five to five. Dan
McKenzie. This is a law firm that

477
00:36:16.079 --> 00:36:22.199
does wills and trusts, beneficiaries,
deeds payable on death certificates. What you

478
00:36:22.440 --> 00:36:25.639
need for your estate, you call
him. He'll help you make a plan

479
00:36:27.199 --> 00:36:30.559
and it's easy to remember his number. But everyone should have at least a

480
00:36:30.599 --> 00:36:36.920
plan. He does great person to
person meetings, quickly, efficiently gets everything

481
00:36:37.039 --> 00:36:40.559
done. Mackenzie law. They're lean
and mean when it comes to your state

482
00:36:40.639 --> 00:36:46.679
plan eight three three co plans eight
three three COO plans. The website is

483
00:36:46.760 --> 00:36:52.519
coplans dot co. By the way, that dot co, I don't know

484
00:36:52.559 --> 00:36:54.920
where it came from. It's not
for Colorado, but everyone uses it for

485
00:36:55.119 --> 00:36:59.480
Colorado. I mean, I don't
think it was originally for Colorado, but

486
00:36:59.559 --> 00:37:02.320
I love it, like even John
Fuller here today, my accident lawyer,

487
00:37:02.480 --> 00:37:07.800
dot co. It's so cool.
But I don't believe that top level domain

488
00:37:07.960 --> 00:37:09.960
was purchased for Colorado. Was it, Mark? I don't think it was.

489
00:37:10.199 --> 00:37:14.719
I don't. I don't really believe
that was the original purpose of it.

490
00:37:14.880 --> 00:37:16.159
Yeah, I think it was.
Oh it was, I think pretty

491
00:37:16.159 --> 00:37:20.199
sure. Yeah, yeah, yeah, like dot az Arizona. I'm pretty

492
00:37:20.199 --> 00:37:22.400
sure. Yes. Oh, okay, I didn't know that. That's cool

493
00:37:22.679 --> 00:37:28.159
because I remember one time there was
a dot CC out there. There still

494
00:37:28.280 --> 00:37:31.239
is, but a lot of the
clear Channel people at the time were taking

495
00:37:31.320 --> 00:37:36.119
it saying, you know, for
clear channel dot CC, but they adopted

496
00:37:36.159 --> 00:37:38.800
it kind of. But in any
case, yeah, you'll see a lot

497
00:37:38.840 --> 00:37:42.800
of websites like that showing up.
All right, I'm gonna I want to

498
00:37:42.880 --> 00:37:46.000
go to Steve Sizik, who's with
Larson Tax Relief, and I want to

499
00:37:46.159 --> 00:37:51.920
ask about this problem from yesterday.
Now, Steve, we did get I

500
00:37:52.079 --> 00:37:54.840
think a solution for this problem.
Another guy had a similar problem and he

501
00:37:55.000 --> 00:38:00.519
told us how he solved it.
But I still want you away in on

502
00:38:00.639 --> 00:38:02.800
it. Larsen Tax Relief. By
the way, these people are great for

503
00:38:02.920 --> 00:38:07.480
any tax problems audits. If you
haven't filed, then years and years and

504
00:38:07.559 --> 00:38:09.400
years and you want to get right. But with Jill and Blake, they

505
00:38:09.519 --> 00:38:16.000
simply went to a tax preparer and
they attempted to file electronically, and the

506
00:38:16.559 --> 00:38:24.440
irs rejected their return and said that
his Social Security number had been used already

507
00:38:24.559 --> 00:38:30.039
to file a return. Now we
suspect it might be identity theft. But

508
00:38:30.119 --> 00:38:32.760
you must have heard of this before, have you. Yeah? I dealt

509
00:38:32.760 --> 00:38:37.400
with it this morning, actually with
another taxpayer who had a fraud indicator on

510
00:38:37.559 --> 00:38:40.320
like a twenty nineteen return. So
it happens all the time. What do

511
00:38:40.440 --> 00:38:45.840
you do about it? There's a
couple of different options. There is a

512
00:38:45.199 --> 00:38:51.360
fraud you know indicator line that you
can locate on right DOV. Yep,

513
00:38:51.440 --> 00:38:53.800
we found that. We gave that
to them yesterday. Uh huh, yeah,

514
00:38:54.239 --> 00:38:58.000
that one's fine. But this time
of year, you know, good

515
00:38:58.079 --> 00:39:00.159
luck get a hold of those guys, because everybody and they're you know,

516
00:39:00.199 --> 00:39:05.559
their mom's trying to file their returns, and this is something that's fairly fairly

517
00:39:05.639 --> 00:39:08.639
endemic. Uh what I was doing
actually this morning, there is uh,

518
00:39:08.760 --> 00:39:14.119
you know, local taxpayer Advocate which
you can find their their line on the

519
00:39:14.199 --> 00:39:19.199
IRS as well, just taxpayer Advocate
or a form nine one one and you

520
00:39:19.239 --> 00:39:22.400
can actually call them directly if you
file a if you file a nine to

521
00:39:22.440 --> 00:39:27.039
one one request, it's probably for
more complex things you're not going to get

522
00:39:27.039 --> 00:39:30.320
a response as quickly. But if
you call the the tax Payer Advocate Division

523
00:39:30.360 --> 00:39:34.199
in your whether it's in Denver,
they've got them everywhere. They've got them

524
00:39:34.239 --> 00:39:37.320
in in every you know. Yeah. Now they they claim that there's a

525
00:39:37.400 --> 00:39:40.800
dedicated number just for identity theft.
Is that true? That eight hundred nine

526
00:39:40.880 --> 00:39:45.719
zero eight ninety Yeah, but you're
saying, is still hard to get through

527
00:39:45.719 --> 00:39:50.480
on that one too, you know. Yeah, Okay, go to this

528
00:39:50.519 --> 00:39:52.760
time of year, if you if
you wait till after April fifteenth, you

529
00:39:52.840 --> 00:39:57.079
probably have a better chance, maybe
like an hour. Wait, but uh,

530
00:39:57.559 --> 00:40:00.280
it's it's a it's a function of
you know, how much brain damage

531
00:40:00.280 --> 00:40:04.480
do you want to suffer through in
order to get it addressed. And they

532
00:40:04.519 --> 00:40:07.280
say there's a form you could do
too. But but here, let me

533
00:40:07.400 --> 00:40:12.039
explain though, what another person did. I was just thinking about that.

534
00:40:12.639 --> 00:40:15.679
Uh the the other person said,
he called up and said it happened to

535
00:40:15.800 --> 00:40:22.000
him, and he found out that
was because electronically they find out instantly.

536
00:40:22.800 --> 00:40:27.199
And instead he filed by mail.
And he said, they work it out,

537
00:40:27.320 --> 00:40:30.639
they investigate. If it's filed by
mail, it will not just send

538
00:40:30.679 --> 00:40:35.280
it back to you. Is that
true? That guy, in my opinion,

539
00:40:35.360 --> 00:40:37.880
is got lucky. Typically the IRIS
doesn't do anything on its own.

540
00:40:38.280 --> 00:40:42.719
As there's a fraud indicator, they
will For example, for this client I

541
00:40:42.800 --> 00:40:46.360
had this morning, they actually deleted
their return. See this guy said,

542
00:40:46.440 --> 00:40:51.880
oh, you just file it by
mail and they'll process it. No,

543
00:40:52.559 --> 00:40:57.360
no, no, that's once again. You know there's aye even a blind

544
00:40:57.360 --> 00:41:00.239
squirrel can find it that every once
in a while. Okay, you got

545
00:41:00.320 --> 00:41:01.679
like, okay, see if they
and you deal with them way more than

546
00:41:01.719 --> 00:41:07.239
we do. So now Jill and
Blake. Their problem is that what their

547
00:41:07.400 --> 00:41:12.239
tax preparer did was took his name
off the return and just filed it in

548
00:41:12.360 --> 00:41:16.039
her name. But it resulted in
a lesser refund than they would have gotten.

549
00:41:16.440 --> 00:41:21.679
So maybe what they do is go
through the process of getting it corrected

550
00:41:21.760 --> 00:41:24.840
and then file a ten forty X
or an amended return. Would that be

551
00:41:25.199 --> 00:41:30.079
a suitable Uh No, they wouldn't
need to amend it, you know,

552
00:41:30.280 --> 00:41:32.840
So at the end of the day, the original turnat was a fraudulent return

553
00:41:32.920 --> 00:41:37.079
which should be deleted and then they
would file their correct you know the Yeah,

554
00:41:37.079 --> 00:41:40.679
but they already filed the return.
Now, see when that one,

555
00:41:40.840 --> 00:41:45.599
when theirs was rejected because there was
a duplicate return somewhere or a duplicate number,

556
00:41:46.159 --> 00:41:52.360
they refiled with just her name.
Okay, is that the wrong thing

557
00:41:52.480 --> 00:41:57.800
to do? Yeah? Okay.
You know, ideally you'd want to have

558
00:41:57.960 --> 00:42:01.880
the fraudulent return completely deleted in the
system and then have your correct return then

559
00:42:02.000 --> 00:42:06.639
processed as But how do you how
do you get their attention to do that?

560
00:42:07.400 --> 00:42:09.239
So if you don't want to wait
on the four hours, like I

561
00:42:09.280 --> 00:42:13.320
said, you can call the advocate. What they'll do is they'll get a

562
00:42:14.079 --> 00:42:16.519
two forms of ID from you that
you then secure to them on a you

563
00:42:16.599 --> 00:42:22.119
know, up a secure uploaded server
and then they process that through directly to

564
00:42:22.239 --> 00:42:25.159
to the fraud division. And that
what that starts the that starts the motion,

565
00:42:25.360 --> 00:42:29.800
you know, the wheels in motion
for getting be it that fraudulent indicator

566
00:42:29.840 --> 00:42:34.039
pulled, any false returns removed,
and then you can that advocate can actually

567
00:42:34.079 --> 00:42:36.519
file the return directly for you as
well, so that you know that it's

568
00:42:36.559 --> 00:42:38.639
getting processed. Correct. But that's
a different number than the than the TACH,

569
00:42:38.760 --> 00:42:42.599
than the fraud one. It is
it is. Yeah, so that's

570
00:42:42.639 --> 00:42:45.760
the text. It's called a form
nine one one. Or if you can

571
00:42:45.800 --> 00:42:47.800
go on IRS that up. Just
look up taxpayer advocate and they've gotten they've

572
00:42:47.800 --> 00:42:52.440
got numbers listed for every division in
which they exist and operate. Okay,

573
00:42:52.519 --> 00:42:57.079
so chill in Atlanta and ors do
that, go to uh look for the

574
00:42:57.159 --> 00:43:01.000
taxpayer advocate because right now you already
filed. So I don't think they have

575
00:43:01.119 --> 00:43:05.960
a choice. But when they get
it fixed to do an amendment, add

576
00:43:06.119 --> 00:43:08.679
Blake stuff to it, and then
they'll get the additional money bag. But

577
00:43:09.760 --> 00:43:13.760
because they don't have a choice,
they already filed. Yeah, yeah,

578
00:43:13.800 --> 00:43:16.719
they were being very proactive, which
I commend, but unfortunately with IRS.

579
00:43:16.800 --> 00:43:20.800
You know, all right, now
I have another question for you, if

580
00:43:20.800 --> 00:43:23.800
you hang on real quick, real
quick, Colin. Colin, you said

581
00:43:24.440 --> 00:43:29.880
that after you bought a home,
you said that you were a victim of

582
00:43:30.000 --> 00:43:34.199
identity theft and there were many many
accounts opened in your name. And then

583
00:43:34.280 --> 00:43:38.440
you said you got a call from
the IRS recently, and you said,

584
00:43:38.559 --> 00:43:42.760
oh, you know it's real because
it showed up on caller ideas the real

585
00:43:42.880 --> 00:43:45.559
number. Blah blah blah, it's
not real. The IRS never calls you.

586
00:43:45.679 --> 00:43:51.119
And here's what I think happened.
That people who stole your identity are

587
00:43:51.280 --> 00:43:54.320
calling making believe they're the I R
S. And they have enough information on

588
00:43:54.440 --> 00:43:58.880
you to fool you. What are
they asking you to do? Well,

589
00:43:58.960 --> 00:44:04.159
it already happened. It's the sad
part. Did you pay them fifteen thousand

590
00:44:04.199 --> 00:44:06.800
dollars? Wait? No, no, no, no, no, no,

591
00:44:07.039 --> 00:44:10.440
Colin, how did you pay them? I put it into an ATM.

592
00:44:13.880 --> 00:44:15.119
Wait a minute, which I know, sound a sound? Is it

593
00:44:15.199 --> 00:44:20.880
sounds ridiculous? I understand I By
all right, Steve, this is happening

594
00:44:20.960 --> 00:44:24.960
too, right, the people masquerading
as IRS agents what does that mean?

595
00:44:25.000 --> 00:44:29.719
You put it into an ATM.
By the way, can you put Larsen

596
00:44:29.840 --> 00:44:31.400
Tax up at not? Not Steve. I just want to give their number

597
00:44:31.440 --> 00:44:35.199
out. It's eight. I know
it's a four to four Larsen Tax.

598
00:44:35.239 --> 00:44:37.320
I want to thank them for being
here Larsen Tax belief dot com in the

599
00:44:37.440 --> 00:44:42.280
future for Larsen tacks in the future
time. We should give out Steve's direct

600
00:44:42.360 --> 00:44:45.360
number. Yeah. Yeah, Hey, Colin, listen, we need to

601
00:44:45.440 --> 00:44:50.440
explore. Honest to god, you
lost fifteen grand. What did they tell

602
00:44:50.480 --> 00:44:55.360
you you? They were collecting for
Colin. So basically I have all the

603
00:44:55.400 --> 00:44:58.880
information. Everything was opened, right, so I have all that stuff.

604
00:44:59.280 --> 00:45:00.599
So they called me. They say, hey, I am Susan. Here's

605
00:45:00.599 --> 00:45:04.519
my employee identification number. Cool.
This is who I work for? Cool?

606
00:45:04.880 --> 00:45:07.199
All right, awesome, here's my
phone number. I verified all that.

607
00:45:07.280 --> 00:45:09.159
Cool. Are you are you calling
million? Yes? Is this your

608
00:45:09.199 --> 00:45:13.519
address? Yes? Is this is
this your phone number? Yes? Perfect?

609
00:45:13.840 --> 00:45:16.239
Verified who I was? Cool?
Now we verified who you are because

610
00:45:16.280 --> 00:45:20.199
of what it is. We have
a package in amber Lead, Texas.

611
00:45:20.280 --> 00:45:22.599
Do you know anybody in Amerland,
Texas? I said no. But here's

612
00:45:22.639 --> 00:45:25.639
the thing is, I have all
the fraudulent stuff's been happening, has been

613
00:45:25.679 --> 00:45:30.239
happening in amber La, Texas,
so it makes sense. Well, yeah,

614
00:45:30.280 --> 00:45:32.159
they're all the same people, including
the woman you're talking to. So

615
00:45:32.280 --> 00:45:36.360
what happened then? Correct? So
then what happened? Then? She said?

616
00:45:36.400 --> 00:45:38.519
Cool? So we have fifteen accounts
open to your name. The last

617
00:45:38.599 --> 00:45:44.119
three days, they've moved five hundred
thousand dollars from Mexico to that account in

618
00:45:44.239 --> 00:45:47.559
Amarillo, and so and so we
have all the accounts in your name.

619
00:45:47.800 --> 00:45:51.440
So she said, every single one
of them, all fifteen, and they

620
00:45:51.519 --> 00:45:53.880
were correct. The ones that they
had were the ones that were actually opened.

621
00:45:54.039 --> 00:45:57.719
You know, well, of course, because they were the ones that

622
00:45:57.840 --> 00:46:00.960
opened. And then what exactly?
So and then at that point she said,

623
00:46:00.960 --> 00:46:02.239
cool. So then she said my
actual account, said, well,

624
00:46:02.280 --> 00:46:06.360
that one's mine. I said,
that one that is my personal account.

625
00:46:06.360 --> 00:46:07.400
She said, oh, okay,
Well, if that's the case, if

626
00:46:07.440 --> 00:46:10.840
you don't want it frozen in the
next four to five hours, we have

627
00:46:10.960 --> 00:46:15.119
to get you with police, and
we have to get you with and you

628
00:46:15.239 --> 00:46:17.559
have to go to the bank and
you have to withdraw money. You need

629
00:46:17.599 --> 00:46:21.559
to with one thousand dollars in your
saving you account and one thousand dollars in

630
00:46:21.639 --> 00:46:23.480
your teking account, at which point
when you pull the money all just seal

631
00:46:23.599 --> 00:46:28.760
Number'll be right on the bills,
okay, And at which point I also

632
00:46:28.840 --> 00:46:30.480
had to be on the phone the
entire time, was not allowed to hang

633
00:46:30.599 --> 00:46:34.360
up, was not allowed to talk
to anybody else, which makes it.

634
00:46:34.679 --> 00:46:38.519
And they said they were from the
IRS. Correct. Did you suspect that

635
00:46:38.800 --> 00:46:45.039
all this that the IRS would never
do that to you? No? Because

636
00:46:45.159 --> 00:46:47.719
I had just been going through the
identity staff, which that you were just

637
00:46:47.760 --> 00:46:51.800
talking about with the last guy without
Yeah, And that's why they sounded so

638
00:46:51.920 --> 00:46:55.000
convincing. But here's Colin, this
is really important. So they told you

639
00:46:55.119 --> 00:46:59.440
to draw money out, but where
does it get to the part where you

640
00:46:59.639 --> 00:47:04.480
fed money back into the machine and
where did it go? So basically so

641
00:47:04.679 --> 00:47:07.320
then they say, cool, what
you need to do is they have my

642
00:47:07.519 --> 00:47:08.480
They say, cool, we need
to go to this bro. You got

643
00:47:08.559 --> 00:47:13.360
to catch that. Did you catch
it? Shannon? We've got to take

644
00:47:13.400 --> 00:47:15.119
a break, Shannon, did you
catch it? Please? A yes or

645
00:47:15.119 --> 00:47:21.079
a no? Yes? Thank you? We have he said a bad word.

646
00:47:21.280 --> 00:47:22.079
I'm going to come back to him, but we have to wait for

647
00:47:22.159 --> 00:47:25.960
our delay. Hey, Tom,
can I say something as long as it's

648
00:47:27.039 --> 00:47:30.719
not fat. Yes, for for
anybody that's listening. If you are a

649
00:47:30.840 --> 00:47:37.679
victim of identity theft, there's a
site it's called Identity Theft one word dot

650
00:47:37.840 --> 00:47:40.480
gov and if you go there,
they will go through every step of what

651
00:47:40.639 --> 00:47:45.159
you need to do as far as
dealing with identity theft. Yeah, but

652
00:47:45.159 --> 00:47:47.519
they're not going to recover his money. No, no, no. This

653
00:47:47.639 --> 00:47:51.679
is for people who are listening,
not for him, it's too late.

654
00:47:52.000 --> 00:47:54.960
But for anybody who's had the identity
theft, it will go through every step

655
00:47:55.039 --> 00:48:00.079
you need to do so that you
protect it as much as possible. Now,

656
00:48:00.119 --> 00:48:01.760
what's really funny is this guy said
they had all my information, so

657
00:48:01.840 --> 00:48:06.199
I thought they were correct. The
reason they had all this information they were

658
00:48:06.280 --> 00:48:08.599
the scammers. Hang on, we
have more coming right up. And this

659
00:48:08.800 --> 00:48:14.880
is such a sad story. Ideal
home Loans still doing home loans with the

660
00:48:14.920 --> 00:48:20.039
interest rate guarantee threeho three eight six
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661
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662
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663
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is. That's why you should get
the drop app with drop you were in

664
00:48:37.800 --> 00:48:40.960
points for shopping and turn those points
into gift cards. Last year I scored

665
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one hundred and fifty dollars in gift
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666
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drop twenty three when you sign up
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667
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That's Drop twenty three. Get rewarded
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668
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on the App Store or Google Play. All right. You know, when

669
00:49:01.599 --> 00:49:08.360
you are looking for an RV,
you want the r V authority lazydays dot

670
00:49:08.440 --> 00:49:14.800
com, whether it's new or used, or it's a Class A, or

671
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you want a customized van or a
fifth wheel, or you want something like

672
00:49:20.320 --> 00:49:24.800
a pop up, whatever it is
lazydays dot com. They also have a

673
00:49:24.880 --> 00:49:30.199
service department up north at Exit two
forty and I twenty five along Frontage Road.

674
00:49:30.239 --> 00:49:32.559
There what used to be Century RV. Our friends are still there.

675
00:49:32.920 --> 00:49:38.400
Go see them and that's along Frontage
Road and it's called Lazy Days of Denver

676
00:49:38.559 --> 00:49:45.760
at Longmont. Lazydays dot Com Inspirations, pers action and action gets it done,

677
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678
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and doors. Our schedule's filling fast, so take action and reserve your spot

679
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eight hundred and three six eighty three
seventy or drhid is rap music, a

680
00:49:58.840 --> 00:50:02.480
confession or an sick expression. Listen
to the legal anatomy of current events on

681
00:50:02.599 --> 00:50:13.679
your favorite platform to make your decision. Go with a sure thing Denver's Best

682
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roofer Excel Roofing dot com. You
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683
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Leave time for an insurance check up
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684
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paying too much your coverage at dozens
of insurance companies find out now three oh

685
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three seven seven to one. Help. You'll think you're his only customer when

686
00:50:32.920 --> 00:50:37.639
you choose Frank durand the real estate
Man dot com to list your home with

687
00:50:37.800 --> 00:50:46.960
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino,

688
00:50:47.760 --> 00:50:52.280
you're troubleshooter three O three seven to
one three talk three O three seven

689
00:50:52.360 --> 00:50:59.840
one three eight two five five.
All right. So Colin said he was

690
00:50:59.840 --> 00:51:04.639
a victim of identity theft, which
led to a phone call, and that

691
00:51:04.880 --> 00:51:08.960
phone call led to him somehow drawing
money out of his account, thinking that

692
00:51:09.119 --> 00:51:13.519
he had to do that for security
reasons. The people kept him on the

693
00:51:13.599 --> 00:51:16.360
phone the whole time, claiming they
were from the irs, and they just

694
00:51:16.440 --> 00:51:21.000
played him like a fiddle. So
he went and got his money. And

695
00:51:21.159 --> 00:51:24.480
then he tell me, how how
much did they tell you to draw out

696
00:51:24.519 --> 00:51:29.880
of your bank Colin? They didn't. They just said leave one thousand dollars

697
00:51:29.920 --> 00:51:32.280
in saving the account and a thousand
dollars in my checking account. And what

698
00:51:32.440 --> 00:51:36.559
did they say to do with the
rest of your money? They say,

699
00:51:36.639 --> 00:51:40.440
pull it out in cash? Then
what? And then he needed to take

700
00:51:40.519 --> 00:51:45.400
that money and keep three seats and
everything else, and then go to a

701
00:51:45.519 --> 00:51:49.800
gas station, which, which you
said before was really suspicious. You used

702
00:51:49.800 --> 00:51:52.199
it naughty word, right, and
so it was effing suspicious. You said,

703
00:51:52.239 --> 00:51:55.400
then what happened? Yes, so
at which point she said, yes,

704
00:51:55.480 --> 00:51:58.719
I know, sir, it looks
very suspicious. She's like, we

705
00:51:58.760 --> 00:52:01.360
get that all the time, and
I mean anything that I had a slight,

706
00:52:01.519 --> 00:52:05.639
but this was weird. She had
an answer for immediately every time,

707
00:52:06.440 --> 00:52:09.000
Colin, what did she tell you
to do with the money? She said,

708
00:52:09.159 --> 00:52:13.000
you need to create an account,
said, so, I created an

709
00:52:13.039 --> 00:52:17.599
account with my phone number. So
I did that. There an account at

710
00:52:17.639 --> 00:52:23.119
a gas station. Yeah, so
it's called a sena ATM And basically what

711
00:52:23.199 --> 00:52:27.119
you do with it, I think
is you can my bitcoin other cryptocurrencies.

712
00:52:28.519 --> 00:52:31.760
And it's no point during any of
this you didn't go this is stupid.

713
00:52:34.320 --> 00:52:39.639
Yes I did. But to put
the greenbacks into the ATM, Yeah,

714
00:52:39.800 --> 00:52:45.360
I continue to go ahead, Yes, I continue to do that. And

715
00:52:45.280 --> 00:52:49.119
the whole time it felt iffy,
but at the same time it just it

716
00:52:49.320 --> 00:52:52.679
all made so much sense because the
dates, the times, the addresses they

717
00:52:52.800 --> 00:52:55.440
all matched, which made sense because
it was the same people, which I

718
00:52:55.559 --> 00:52:59.880
didn't even know. And I didn't
know that you were able to mask your

719
00:53:00.039 --> 00:53:02.119
phone number was somebody else's phone number. I didn't know that. Yeah,

720
00:53:02.239 --> 00:53:07.119
yeah, okay, So then Colin, they told you to open an account

721
00:53:07.159 --> 00:53:09.960
and deposit the money, right and
what did they say was going to happen?

722
00:53:10.039 --> 00:53:15.079
Then they said, at which point
they will make sure all of the

723
00:53:15.199 --> 00:53:20.280
numbers match on the bills that go
into the ATM match what I pulled out

724
00:53:20.320 --> 00:53:22.360
of my bank account. If they
do match within two hours, they will

725
00:53:22.360 --> 00:53:25.840
release the funds to the trift from
the police station. I wish the police

726
00:53:25.840 --> 00:53:29.880
thing will release the funds, which
point I can withdraw the money. Okay.

727
00:53:29.960 --> 00:53:31.719
So then, okay, so I
want to know when you found out

728
00:53:31.760 --> 00:53:37.000
it was Sam, So you put
the money in. Then what she said,

729
00:53:37.079 --> 00:53:39.400
cool, this officer and this officer, there's their bad numbers and they

730
00:53:39.400 --> 00:53:43.000
will meet you at your house at
three o'clock. Okay, so you went

731
00:53:43.079 --> 00:53:46.159
home and wait so much? No, I called immediately after that. Why

732
00:53:46.280 --> 00:53:50.440
after she hung up the phone,
because I just it felt weird, but

733
00:53:50.480 --> 00:53:53.039
I wanted to verify that. So
when you called the police, what police

734
00:53:53.039 --> 00:53:59.360
department? Did you call Adam's County
Police department? You mean the Sheriff's department,

735
00:54:00.239 --> 00:54:02.639
Yes, And what did they say? And because they said that they

736
00:54:02.719 --> 00:54:07.440
had no regulation of anybody calling anybody
and they do not have officers with those

737
00:54:07.480 --> 00:54:12.639
badge numbers in their system. And
you knew you'd win ripped off, Yes

738
00:54:12.920 --> 00:54:15.199
at that point. Yes, So
at which point I was like, Okay,

739
00:54:15.280 --> 00:54:17.039
well I created my own account,
so that shouldn't be no big deal

740
00:54:17.119 --> 00:54:20.480
to pull my own A big deal. Yeah. Well, the problem was

741
00:54:20.639 --> 00:54:22.840
was because they had all my information. They had already created my account.

742
00:54:23.199 --> 00:54:27.119
So when I created the account,
I did create one, but it was

743
00:54:27.159 --> 00:54:30.440
already created, so it just set
me my old QR code or my old

744
00:54:30.599 --> 00:54:32.280
wallet, which they had access to. I did not, So they had

745
00:54:32.280 --> 00:54:38.239
already throwed that money out. Correct, Yes, so it's gone. So

746
00:54:38.480 --> 00:54:44.239
did you try that number? That
number on your caller ID? Whose number

747
00:54:44.400 --> 00:54:50.320
was that? It's the it's the
actual IRS office for the Treasury of Okay,

748
00:54:50.679 --> 00:54:54.719
so the actual number. Yeah,
so Colin you saund how old are

749
00:54:54.719 --> 00:54:59.679
you? By the way, I'm
twenty nine. That's a lot of money

750
00:54:59.679 --> 00:55:02.760
for you to lose. M God. So but here's the thing is that

751
00:55:02.880 --> 00:55:06.199
the big, the biggest reason why
I'm calling is to a to get the

752
00:55:06.239 --> 00:55:08.280
word out because I have never heard
of anything like this ever. I've heard

753
00:55:08.320 --> 00:55:10.719
of. Hey, you know your
mom, if you listened to this show,

754
00:55:12.000 --> 00:55:14.440
you know, if you listened to
this show, you would have known

755
00:55:14.559 --> 00:55:19.000
immediately it was a schep. You
would have you would have immediately, you

756
00:55:19.119 --> 00:55:22.360
would have known. But I also
want to say something that I was shocked

757
00:55:22.360 --> 00:55:29.800
about. I actually was having breakfast
with someone, someone that I know that

758
00:55:29.920 --> 00:55:34.760
I mentored a little bit, and
he and his wife were with me,

759
00:55:34.920 --> 00:55:37.280
and or not breakfast, I might
have been dinner. We were talking and

760
00:55:37.559 --> 00:55:46.039
he said that he could not log
on to his bank, and he called

761
00:55:46.239 --> 00:55:51.920
a number for the bank. He
happened to call a spoof number that wasn't

762
00:55:51.960 --> 00:55:58.239
his bank. And he was on
the phone sharing his screen when his wife

763
00:55:58.320 --> 00:56:00.360
walked in and said, what are
you doing? Banks never do that,

764
00:56:00.800 --> 00:56:06.639
and she disconnected the computer and saved
their ass. And this is a guy

765
00:56:06.719 --> 00:56:10.000
that actually has worked with us in
the past. So it's amazing to me

766
00:56:10.199 --> 00:56:15.159
how convincing people can be. So
I don't think it's impossible. I think

767
00:56:15.800 --> 00:56:20.880
it happens to the best of us. And it's a shame Colin, and

768
00:56:21.639 --> 00:56:23.159
you're you know, as far as
getting the word out, we do that

769
00:56:23.320 --> 00:56:29.360
each and every day. This story
is chilling, and it all started when

770
00:56:29.719 --> 00:56:31.800
they somehow got a hold of you. I'd like to know where the whole

771
00:56:32.000 --> 00:56:37.760
was to begin with, where they
got all your information, because it is

772
00:56:37.920 --> 00:56:43.440
the only two people that have my
information ever were two credible businesses. But

773
00:56:43.679 --> 00:56:47.599
here's the thing. Did you tell
those businesses? Yes, what did they?

774
00:56:49.039 --> 00:56:52.000
People said, We've never had any
issue like that. In the end,

775
00:56:52.119 --> 00:56:53.800
twenty eight thirty years have been in
this have never once had an issue.

776
00:56:54.360 --> 00:57:00.239
And you're thinking it's too much.
It can't be a coincidence, any

777
00:57:00.320 --> 00:57:04.280
coincidence. Two days, two days
after giving my bank account information, my

778
00:57:04.320 --> 00:57:07.280
social security my address, my ID
everything to buy a house, you know,

779
00:57:07.440 --> 00:57:12.840
you know, all that stuff they
had everything. Somebody could be working

780
00:57:12.920 --> 00:57:17.760
for them on the inside shuttling that
information out. I don't know. But

781
00:57:19.800 --> 00:57:24.159
my other question was because I've done
the LifeLock, I've done everything that I

782
00:57:24.280 --> 00:57:28.800
can do online everything. So my
question is, as long as I don't

783
00:57:28.800 --> 00:57:31.719
do physically something like that, again, I'm protected right Like they can't like

784
00:57:31.840 --> 00:57:35.880
open up a credit card my name, I don't have to be in it.

785
00:57:35.960 --> 00:57:37.920
If you have a credit freeze,
no one can open anything in your

786
00:57:38.000 --> 00:57:42.840
name. In fact, sometimes I
forget I have the credit freeze, and

787
00:57:42.960 --> 00:57:45.280
when I apply for something, I'm
turned down and I say, what the

788
00:57:45.360 --> 00:57:49.639
hell am I turned down for?
And then I go and find out that

789
00:57:49.880 --> 00:57:52.920
it's because they couldn't put a check. Sometimes they tell you they can't pull

790
00:57:52.960 --> 00:57:58.360
the check. At other times they
just turn you down. But always keep

791
00:57:58.400 --> 00:58:00.760
the freeze on and only on freeze
it for a couple hours at a time.

792
00:58:00.880 --> 00:58:05.119
I'm telling you you have to lock
everything down, and you should have

793
00:58:05.239 --> 00:58:08.920
two party verification for everything you do, meaning when you have a password,

794
00:58:09.320 --> 00:58:15.079
you also want them to text you
a code to your phone. Okay,

795
00:58:15.800 --> 00:58:22.239
always, Now here's the other thing. Don't know this. No one will

796
00:58:22.400 --> 00:58:28.360
ever ever, ever, ever,
tell you again, ever that you need

797
00:58:28.440 --> 00:58:30.400
to take cash out of your account. No one that's a no one will,

798
00:58:30.679 --> 00:58:37.039
no one, absolutely, no one
that never happens. That's a sure

799
00:58:37.119 --> 00:58:39.920
sign of a scam. I'm sorry
to having con three oh three seven one

800
00:58:40.079 --> 00:58:43.639
three talk. I wish I had
better news. Three all three seven one

801
00:58:43.719 --> 00:58:52.079
three eight two five five. Go
with a sure thing Denver's best roofer Excel

802
00:58:52.199 --> 00:59:00.159
Roofing dot com. You don't pay
a cent until you're content. Time an

803
00:59:00.159 --> 00:59:04.760
insurance check up free, no obligation. In comparison, call Compass Insurance paying

804
00:59:04.800 --> 00:59:07.880
too much your coverage at dozens of
insurance companies find out now three all three

805
00:59:08.000 --> 00:59:12.760
seven seven to one help. You'll
think you're his only customer when you choose

806
00:59:12.800 --> 00:59:16.239
Frank durand the real estate Man dot
com to list your home with Remax Alliance

807
00:59:16.480 --> 00:59:24.960
three all three nine two zero sixteen
twenty two. Hi Tom Martino, you're

808
00:59:24.960 --> 00:59:30.800
a troubleshooter through three three seven one
three talk seven one three eight two five

809
00:59:31.000 --> 00:59:35.840
five. I noticed this guy's been
on for a while or this woman.

810
00:59:36.000 --> 00:59:43.719
Skinny goes by the name Skinny.
Hello Skinny, Hey comod what's going on?

811
00:59:44.599 --> 00:59:49.000
A long term fan? What kind
of name is skinny. I'm just

812
00:59:49.119 --> 00:59:52.480
a skinny guy. Used to be
a professional musician. So oh okay,

813
00:59:52.719 --> 00:59:57.719
arms playing the drums just out of
the skinny guy. So what's happening.

814
00:59:59.199 --> 01:00:02.119
So I run a business in the
music industry and everything, and so I

815
01:00:02.239 --> 01:00:07.719
have business insurance and lots of assets
and all of that with the equipment that

816
01:00:07.800 --> 01:00:10.920
I have. So I have insurance, and every month, my insurance comes

817
01:00:10.960 --> 01:00:15.320
out, and I just know how
much my expenses are every month, and

818
01:00:15.360 --> 01:00:20.079
I keep a certain amount of money
in my account, you know, fifteen

819
01:00:20.159 --> 01:00:22.719
grand or so in the off season, twenty twenty five in the on season.

820
01:00:22.800 --> 01:00:24.679
I just you know, make sure
that I've always got enough money for

821
01:00:24.719 --> 01:00:30.480
all the automatic payments to come out
so randomly. Yesterday morning, my insurance

822
01:00:30.519 --> 01:00:37.679
company took twenty thousand dollars out of
my account. And twenty thousand dollars.

823
01:00:37.800 --> 01:00:43.519
Now, had you been paying your
premiums right along? Well, you know,

824
01:00:43.599 --> 01:00:46.639
I set it up on auto payment, right and usually those payments can

825
01:00:46.719 --> 01:00:50.840
be around, you know, three
and a half four thousand dollars or so,

826
01:00:51.679 --> 01:00:54.960
and I kind of noticed that they
were a little bit low, and

827
01:00:55.159 --> 01:00:58.920
so, but I wasn't worried about
it. Right, because I just kind

828
01:00:58.960 --> 01:01:02.199
of set this up. How were
they skinny? How low they may have

829
01:01:02.239 --> 01:01:06.119
been like two thousand dollars? Well, how let me ask you this,

830
01:01:06.239 --> 01:01:09.599
skinny, How when do you make
your payments your premiums monthly or yearly?

831
01:01:10.679 --> 01:01:14.280
Monthly? Yeah, they just come
out monthly. And how much are they

832
01:01:14.400 --> 01:01:20.599
usually usually? What are they monthly? H And they're usually around uh like

833
01:01:20.679 --> 01:01:23.679
I said, about thirty thirty five
to four thousand thirty eight every every single

834
01:01:23.840 --> 01:01:29.719
month. Yeah. Yeah, Like
I do about a million a year in

835
01:01:29.800 --> 01:01:35.400
revenue. And uh so there's there's
all of the equipment, and now what

836
01:01:35.519 --> 01:01:37.239
do you what do you do?
Can you tell me so I can have

837
01:01:37.360 --> 01:01:42.639
a better picture what do you do
with your business? So I wrote a

838
01:01:42.960 --> 01:01:45.559
company called SSS Production. Figure the
stagings, Like I know you've been to

839
01:01:45.639 --> 01:01:52.159
Denver Octoberfest, right, right,
and so you know the trailers that turn

840
01:01:52.239 --> 01:01:54.559
into stages that go out the end
of the road. And yes, so

841
01:01:55.039 --> 01:02:00.000
I've got seven different stages. Okay, so this is this is amazing.

842
01:02:00.079 --> 01:02:04.800
Your setup is okay, So so
skinny, skinny, In order for me

843
01:02:04.880 --> 01:02:07.360
to help you, you have to
draw cash out of your account and go

844
01:02:07.480 --> 01:02:10.559
to an ATM I'm going to tell
you where to go. Oh you heard

845
01:02:10.599 --> 01:02:13.760
that damn call, So now you're
not going to do it, Okay,

846
01:02:14.119 --> 01:02:17.760
so listen. So, so your
payments were running low, and let me

847
01:02:17.960 --> 01:02:22.719
just guess, was this a makeup
because they were taken out too little in

848
01:02:22.800 --> 01:02:29.119
the past. Yes, So randomly, without telling me, they decided to

849
01:02:29.239 --> 01:02:35.760
run eight of the payments for the
I think it was my auto bak And

850
01:02:35.840 --> 01:02:38.079
do they know? Why? Do
they know why they were lower than usual?

851
01:02:38.280 --> 01:02:45.599
Why they underbuild you? I have
heard that the insurance company isn't you

852
01:02:45.679 --> 01:02:51.119
know, full of incapable people,
but their billing company that they hire to

853
01:02:51.360 --> 01:02:54.639
do the billing is full of incapable
people. So but here here's the thing.

854
01:02:54.760 --> 01:02:58.800
And I think John Fuller, who's
our personal injury attorney, but he's

855
01:02:58.840 --> 01:03:00.599
there, he's also an attorney.
I mean, he knows what he's talking

856
01:03:00.599 --> 01:03:07.840
about. And I think we've probably
heard stuff like this before with accounting errors.

857
01:03:08.199 --> 01:03:14.199
If you truly owe the money,
the burden is this. You plan

858
01:03:14.400 --> 01:03:17.000
for you just said it. You
plan for cash flow, you plan for

859
01:03:17.159 --> 01:03:22.800
expenses, and technically you should have
been planning for around four grand a month,

860
01:03:23.320 --> 01:03:28.559
and when that was artificially low,
you had more money, you didn't

861
01:03:28.639 --> 01:03:31.840
notice it. And what happens is
when they take the money out, that's

862
01:03:31.960 --> 01:03:37.320
rightfully theirs, although not when they
said they would. It puts you in

863
01:03:37.400 --> 01:03:42.400
a bad way. We have had
this same recurring problem with you name it,

864
01:03:42.639 --> 01:03:46.559
not just with insurance but with even
all kinds of stuff where people end

865
01:03:46.639 --> 01:03:52.039
up especially utilities, where people end
up with a lumps do. What they

866
01:03:52.079 --> 01:03:55.320
should have done is called you and
said, hey man, we've been having

867
01:03:55.400 --> 01:04:00.119
an error. But to just take
twenty grand all at lunch is crazy,

868
01:04:01.599 --> 01:04:04.920
That's what I say. And you
summed it up perfectly. So I don't

869
01:04:04.960 --> 01:04:10.760
deny that I owe the money.
I've had coverage the whole time, and

870
01:04:11.000 --> 01:04:14.480
so and I can manage it because
whatever, it's twenty grand, it's the

871
01:04:14.559 --> 01:04:17.880
off season. That's a tough pill
to swallow. But I could manage that

872
01:04:18.199 --> 01:04:21.079
if they had just called me and
said, okay, take double the payment

873
01:04:21.119 --> 01:04:25.440
over the next six months. Is
this an insurance broker you're dealing with.

874
01:04:26.760 --> 01:04:30.079
So I have a great insurance.
We're going to get down to the bottom

875
01:04:30.119 --> 01:04:34.639
of this. And yeah, but
now of course I'm like overdrawn five grand

876
01:04:34.679 --> 01:04:40.000
and then another payment comes out and
another man, they should have never done

877
01:04:40.039 --> 01:04:43.480
that without notifying you. That to
me was reckless. You know, it

878
01:04:43.599 --> 01:04:46.280
depends on what your contract says.
It might even be a breach of contract.

879
01:04:46.719 --> 01:04:50.320
Do you have been writing somewhere how
they were supposed to draw premiums?

880
01:04:51.639 --> 01:04:56.000
Yeah, you would think right.
You signed contract saying that you're allowing them

881
01:04:56.079 --> 01:05:00.239
to take the payments out, and
then they say they're going to do it

882
01:05:00.360 --> 01:05:05.400
in monthly installments, and then when
they don't, that's the question is like

883
01:05:05.440 --> 01:05:09.719
when they don't do it in monthly
installments and then they come back, I'll

884
01:05:09.760 --> 01:05:13.920
have to look at the letter of
the law to say, like, because

885
01:05:13.920 --> 01:05:16.920
obviously this is going to be painful
and it's hurting me for all these overdraft

886
01:05:17.000 --> 01:05:21.079
fees that I'm getting in the last
But may I ask something if you do

887
01:05:21.320 --> 01:05:28.760
budget, If you do budget,
you should I mean, for example,

888
01:05:30.000 --> 01:05:33.000
I've had cases where sus will come
to me and say, you haven't been

889
01:05:33.039 --> 01:05:35.679
built for this in a long time, or this guy never cashed a check

890
01:05:35.719 --> 01:05:42.079
we sent or something. I mean, in other words, doesn't extra money

891
01:05:42.119 --> 01:05:45.840
show up for you? I mean, how many months does this represent of

892
01:05:45.039 --> 01:05:51.559
underpayment? It was eight months?
Over eight months. Why wouldn't you notice

893
01:05:51.639 --> 01:05:55.360
extra money as a result of this. I mean, I'm not trying to

894
01:05:55.400 --> 01:05:59.559
give you a hard time, but
why wouldn't you notice that? I mean,

895
01:05:59.679 --> 01:06:01.440
I, like I said, I
sort of noticed that those payments were

896
01:06:01.519 --> 01:06:06.719
lower, you know, And I
know insurance payments can fluctuate because they are

897
01:06:08.679 --> 01:06:13.280
you know, your assets might appreciate
this. Just things happen right where you're

898
01:06:13.400 --> 01:06:15.599
not ensuring as much or you're ensuring
more, so they go up and down.

899
01:06:15.880 --> 01:06:19.079
Yeah, but you're the one that
determines that, not your insurance company,

900
01:06:21.360 --> 01:06:24.280
right right. You know, at
the end of the day, I

901
01:06:24.440 --> 01:06:29.079
just put things on auto pay,
and I assume that you know what I

902
01:06:29.519 --> 01:06:31.079
you know, I can see where
that happens. I see what you're saying.

903
01:06:31.119 --> 01:06:35.000
You just put it on auto pay
and you didn't so you okay,

904
01:06:35.239 --> 01:06:40.159
I get what you're saying. And
you don't necessarily draw a profit or anything

905
01:06:40.199 --> 01:06:43.760
in you're every month and you're not. I can see where that can happen.

906
01:06:43.880 --> 01:06:46.280
Yep. I can see. Yeah, it's terrible, terrible, terrible.

907
01:06:46.960 --> 01:06:51.000
But then theoretically the money should still
be there too, because you don't

908
01:06:51.079 --> 01:06:56.320
necessarily live hand to mouth, So
the money is there because you were paying

909
01:06:56.400 --> 01:07:00.440
less than you normally had accounted for
right, like, and I'm just cash

910
01:07:00.440 --> 01:07:08.039
flowing every month of course, and
and so it's just a surprise. Now,

911
01:07:08.159 --> 01:07:10.519
did you have a question for us, like, like, did you

912
01:07:10.599 --> 01:07:13.960
want to know if there's anything you
can do about it? Yeah? I

913
01:07:14.000 --> 01:07:17.880
guess the question is, right,
is there any legal sort of you already

914
01:07:17.920 --> 01:07:21.760
mentioned that you alluded to it where
I'd have to look and see if if

915
01:07:21.800 --> 01:07:27.480
they took payments other than the terms
of your agreement, you could argue that

916
01:07:27.639 --> 01:07:31.639
their recklessness or breach of contract cost
you some inconvenience, over draft fees and

917
01:07:31.679 --> 01:07:35.159
all of that ultimately all all than
the money. But they did, they

918
01:07:35.239 --> 01:07:39.639
were in breach of what they said
they would do. I mean, John,

919
01:07:39.800 --> 01:07:42.599
is is that kind of how you
feel? John Fuller? Yeah?

920
01:07:42.800 --> 01:07:46.000
I really feel like that. You
know, there's there's a certain responsibility that

921
01:07:46.079 --> 01:07:50.039
goes along with putting things on auto
pay and and and stuff. And I

922
01:07:50.199 --> 01:07:55.119
know that I if I were,
you know, expecting a certain amount coming

923
01:07:55.159 --> 01:07:59.679
out for insurance and it was being
charged a lot lower, my immediate concern

924
01:07:59.719 --> 01:08:02.000
would the am I getting the coverage
that I'm supposed to be getting? And

925
01:08:02.079 --> 01:08:05.039
if something, you know, is
something wrong here that I need to go

926
01:08:05.199 --> 01:08:09.960
check out, and I would affirmatively
call those people and say what's going on,

927
01:08:10.119 --> 01:08:12.559
what's the deal, and we get
to the bottom of it. By

928
01:08:12.599 --> 01:08:15.159
the way, that's John Fuller,
my accident lawyer, Doscio. He's here

929
01:08:15.199 --> 01:08:16.600
for other reasons as well. We
have more coming up. I got to

930
01:08:16.640 --> 01:08:19.039
take this break, and I know
Annie has a quick question. I'll get

931
01:08:19.119 --> 01:08:27.720
right back to her. Go with
a sure thing Denver's Best roofer Excel Roofing

932
01:08:27.840 --> 01:08:33.319
dot com. You don't pay a
cent until you're content. Time for an

933
01:08:33.359 --> 01:08:38.960
insurance check up free, no obligation. In comparison, call Compass Insurance paying

934
01:08:39.039 --> 01:08:43.079
too much your coverage at dozens of
insurance companies find out now three all three

935
01:08:43.239 --> 01:08:46.000
seven seven to one help. You'll
think you're his only customer when you choose

936
01:08:46.039 --> 01:08:50.439
Frank durand the real estate Man dot
com to list your home with Remax Alliance

937
01:08:50.720 --> 01:08:58.079
three all three nine two zero sixteen
twenty two. Hi, Tom Mars,

938
01:08:58.159 --> 01:09:01.600
you know let's go to Deputy Chopper. He has a follow up. Deputy

939
01:09:01.720 --> 01:09:06.279
Chopper, I hope we can get
to you. Yeah, this is a

940
01:09:06.840 --> 01:09:10.640
I'll make it quick. I won't
do my rant, Tom. Uh.

941
01:09:11.000 --> 01:09:13.800
Remember you can do your rant.
You can do your rent later. Go

942
01:09:13.840 --> 01:09:17.960
ahead, Okay, we had to
two days school. We had a lady

943
01:09:18.640 --> 01:09:24.640
write us a letter about her apartment
and the problems, and she said Catholic

944
01:09:24.800 --> 01:09:30.039
Charities should know about everything and people
shouldn't die in her apartment. Well,

945
01:09:30.079 --> 01:09:33.920
I remember that she's saying. It
was terrible, terrible condition. She was

946
01:09:34.000 --> 01:09:39.560
saying, you know, people were
just croaking everywhere. Man, yeah,

947
01:09:39.640 --> 01:09:44.199
and veterans especially, she said veterans. And then they don't find him for

948
01:09:44.359 --> 01:09:50.119
weeks and weeks. Was she exaggerating
a little or right? I have no

949
01:09:50.319 --> 01:09:56.600
way of knowing that, but I
contacted Catholic Charities, their media relations lady

950
01:09:57.079 --> 01:10:01.239
Stacy, who wasn't an excellent contact. She took the letter, looked at

951
01:10:01.319 --> 01:10:05.600
everything, gave it to their director, and they went out anything that applied

952
01:10:06.079 --> 01:10:12.439
to running the building. They took
care. They couldn't handle, you know,

953
01:10:12.600 --> 01:10:17.319
people dying because of course not what
happens. Yeah, well that's good

954
01:10:17.399 --> 01:10:20.680
though, that you hey, make
sure we put that on our angel list

955
01:10:20.760 --> 01:10:25.159
there, that would that's great.
It always kind of irritates me, just

956
01:10:25.319 --> 01:10:29.840
in general, when people are some
form on some form of a subsidy and

957
01:10:29.920 --> 01:10:32.119
they're complaining left and right. Now
I'm not saying that they shouldn't have been

958
01:10:32.279 --> 01:10:38.920
living conditions, but Catholic charities,
you know, they're creating low income housing

959
01:10:39.319 --> 01:10:43.880
that might not be there if they
weren't doing it. Yeah, and I

960
01:10:44.600 --> 01:10:49.359
know what they're saying. Yeah,
Yeah. I talked to Stacy and told

961
01:10:49.399 --> 01:10:53.880
her I want her to be my
angel, and she has no problem with

962
01:10:54.079 --> 01:10:57.920
us contacting in the future. Good
good, good, because when we have

963
01:10:58.079 --> 01:11:02.199
problems there or inquiries, I say
it's a good place to start. If

964
01:11:02.239 --> 01:11:05.119
you want to ran, Deputy Chopper, feel free to do that. Coming

965
01:11:05.199 --> 01:11:09.680
up in the next hour, I'm
Tom Martino three oh three seven to one

966
01:11:09.760 --> 01:11:15.039
three Talk. I also have some
text questions for John Fuller Fuller Law,

967
01:11:15.520 --> 01:11:18.279
and we'll talk to him coming up
three oh three seven to one three.

968
01:11:18.359 --> 01:11:29.279
Talk is our number seven one three
eight two five five. Go with a

969
01:11:29.399 --> 01:11:32.680
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

970
01:11:32.920 --> 01:11:41.399
until you're contenth Please time for an
insurance check up free, no obligation comparison

971
01:11:41.600 --> 01:11:45.640
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

972
01:11:45.720 --> 01:11:48.760
now three oh three seven to seven
to one help. You'll think you're his

973
01:11:48.960 --> 01:11:53.880
only customer when you choose Frank durand
the real estate man dot Com to list

974
01:11:53.960 --> 01:11:58.399
your home with Remax Alliance. Three
oh three nine two zero sixteen twenty two

975
01:12:03.000 --> 01:12:13.399
ripped news you need that you don't
have? Come runs just as fast as

976
01:12:13.479 --> 01:12:19.840
we can. Shooter's gonna help come, Man Dix is the Troubleshooter Show.

977
01:12:20.479 --> 01:12:39.479
Now Toohn Martino. You know down
there all right? Three oh three seven

978
01:12:39.640 --> 01:12:42.600
one, three eight two five five. Welcome to the show. By the

979
01:12:42.640 --> 01:12:45.039
way, I'm not sure what happened
to Tom, but we'll get him back

980
01:12:45.079 --> 01:12:47.720
up here. Here's the deal.
Three zero three Martino. That number of

981
01:12:47.760 --> 01:12:50.439
works on and off the air.
You got any questions right now, it's

982
01:12:50.479 --> 01:12:54.840
a great time to get through.
Three zero three seven one three eight two

983
01:12:54.960 --> 01:12:58.199
five five. Let's get right to
the phones. Randy, what's going on

984
01:12:58.319 --> 01:13:04.079
with you? I purchased a twenty
twenty hundredridge line from Auto Nation on the

985
01:13:04.119 --> 01:13:11.479
other than four okay, let's less
than ninety days ago. It had a

986
01:13:11.720 --> 01:13:15.159
certified It has a certified. Hey, Randy, when you said left ninety

987
01:13:15.279 --> 01:13:17.039
days ago, what does that mean? You bought it ninety days ago?

988
01:13:18.000 --> 01:13:21.279
Last night? Yeah, within ninety
days oh, okay, gotcha, got

989
01:13:21.359 --> 01:13:29.560
it. I had the opportunity to
turn the air conditioning on for the first

990
01:13:29.600 --> 01:13:35.039
time since I've purchased a vehicle.
It was blowing hot air. I took

991
01:13:35.079 --> 01:13:39.720
it back into the dealership. Did
you buy any kind of warranty or do

992
01:13:39.840 --> 01:13:43.640
they have any kind of warranty when
you buy a used vehicle? This is

993
01:13:43.720 --> 01:13:47.760
a certified pre owned Okay, with
a Honda true warranty. Well, hold

994
01:13:47.800 --> 01:13:51.760
on a second, Randy, I'm
not very familiar with the Honda warranty.

995
01:13:51.880 --> 01:13:57.600
But is there a bumper to bumper
and a power line? What is the

996
01:13:57.680 --> 01:14:00.960
warranty you have? Yeah, bumper, the bumper with the power line for

997
01:14:01.079 --> 01:14:10.560
how long? I know, I'm
within that period of time. I don't

998
01:14:10.560 --> 01:14:14.039
know specific. Okay, So you're
saying it's under warranty no matter what,

999
01:14:15.279 --> 01:14:17.800
right, Okay, keep going.
So hondsa dealer, you know, they

1000
01:14:17.920 --> 01:14:23.359
said it passed one hundred and eighty
two point inspection, were included the AC

1001
01:14:23.880 --> 01:14:28.039
sure And now I've taken it in
and they say there's a leak in the

1002
01:14:28.119 --> 01:14:38.359
AC system and at the repair will
more likely be covered by the Honds of

1003
01:14:38.439 --> 01:14:42.640
warranty. But they charged me six
hundred dollars just to diagnose the problem.

1004
01:14:42.920 --> 01:14:45.640
Well, a couple of things here, man. One, there's no way

1005
01:14:45.680 --> 01:14:48.960
of telling if that AC worked or
didn't work when you purchased it. You

1006
01:14:49.119 --> 01:14:54.159
follow what I'm saying, and I
would guess just logically looking at it,

1007
01:14:54.479 --> 01:14:57.600
it probably didn't work. And because
it's cold out, you didn't use it.

1008
01:14:57.680 --> 01:15:00.680
I get all of that, but
they do have an argument there.

1009
01:15:00.960 --> 01:15:03.279
And then the second thing is,
I'm still not sure about this warranty.

1010
01:15:03.680 --> 01:15:09.319
I think what you have when I
look up a certified pre owned Honda,

1011
01:15:09.880 --> 01:15:15.239
it has a powertrain coverage of seven
years or one hundred thousand miles. It's

1012
01:15:15.319 --> 01:15:18.680
not a bumper to bumper, so
therefore it would not cover the air conditioning.

1013
01:15:19.079 --> 01:15:24.159
I think when you cover the air
conditioning, it says specifically in the

1014
01:15:24.239 --> 01:15:28.800
warranty information. I've got that the
air conditioning is coverage. Okay, so

1015
01:15:28.880 --> 01:15:32.680
why are they charging you for it? Randy? Power trains don't normally cover

1016
01:15:32.840 --> 01:15:36.840
that. Do you have a separate
warranty in addition to that? Yeah,

1017
01:15:36.880 --> 01:15:40.840
I've got the warranty paperwork in front
of me. I mean, did you

1018
01:15:40.960 --> 01:15:44.640
buy that warranty or did it come
with it? No, it came with

1019
01:15:44.800 --> 01:15:49.840
it. It's certified pre owned,
it came with it. I don't so

1020
01:15:50.000 --> 01:15:56.399
you didn't purchase another warranty? No, I mean it's just a certified pre

1021
01:15:56.560 --> 01:16:00.840
owned Honda. How many miles are
on it? Nine? Okay. I

1022
01:16:01.079 --> 01:16:05.119
do not think you have a warranty
for the air conditioner, but I could

1023
01:16:05.199 --> 01:16:10.119
be wrong. I could absolutely guarantee
you I do. Okay, Then why

1024
01:16:10.159 --> 01:16:13.279
are they charging you? Okay?
Hold on? That's a good question.

1025
01:16:13.479 --> 01:16:18.359
You have in writing there the Honda
warranty and it says the air conditioner's covered,

1026
01:16:19.399 --> 01:16:24.680
right, Okay, So Mark asked, why are they a good question?

1027
01:16:24.840 --> 01:16:28.600
Why are they covering it? Why
aren't they covering it? What they're

1028
01:16:28.760 --> 01:16:33.359
they're charging? They're charging me.
Oh, the diagnostics to diagnose the problem.

1029
01:16:35.039 --> 01:16:40.119
Okay, hold on, which I
think is said, that's weird.

1030
01:16:40.600 --> 01:16:43.479
So what would prevent them from charge
you never heard of it? What did

1031
01:16:43.520 --> 01:16:45.000
they say is wrong with it?
Randy? What is wrong with the AC?

1032
01:16:46.359 --> 01:16:51.159
So there's a leak somewhere? What
do they have to replace? I

1033
01:16:51.239 --> 01:16:55.840
don't know yet, but what they
have to do is they have to recharge

1034
01:16:55.880 --> 01:17:00.079
it quick die and let the dye
come up so they can determine where the

1035
01:17:00.199 --> 01:17:03.039
leak is see mark, they are
going to fix it. They're just saying

1036
01:17:03.079 --> 01:17:06.399
it cost them six hundred dollars to
find out what was wrong with it.

1037
01:17:06.560 --> 01:17:10.840
Well, I've never heard of a
warranty like that. Never, never have

1038
01:17:11.039 --> 01:17:15.520
I. I mean, did you
ask them how they justify the six hundred

1039
01:17:15.600 --> 01:17:23.920
dollars? I mean, you have
a warranty and you took it in under

1040
01:17:24.000 --> 01:17:26.720
warranty and they said, Okay,
the warranty is going to fix it,

1041
01:17:27.039 --> 01:17:30.760
but you have to pay for the
diagnostics. Well the problem, I think

1042
01:17:30.800 --> 01:17:34.600
where the problem arises is that the
warrants is through Honda and not through the

1043
01:17:34.760 --> 01:17:40.760
dealer. Well, what does the
warranty say? Have you have you pulled

1044
01:17:40.800 --> 01:17:45.239
the warranty and read who's responsible for
diagnostic testing? No? I didn't,

1045
01:17:45.319 --> 01:17:48.680
I didn't know. Is this the
dealer you bought it from? Yeah?

1046
01:17:50.399 --> 01:17:56.800
Are they a Honda dealer? Yeah? It's an Auto Nation Honda on one

1047
01:17:56.880 --> 01:18:00.640
hundred and fourth in schedule. I
don't get it to me when you take

1048
01:18:00.720 --> 01:18:03.479
a car in for warranty work,
I have never heard of them charging you

1049
01:18:03.600 --> 01:18:10.800
for diagnostics? What years that ridgeline? Okay? Okay, and rise you're

1050
01:18:10.960 --> 01:18:21.159
for non powertrain coverage, it says
is covered scario. Does it say anything

1051
01:18:21.239 --> 01:18:28.920
in the warranty about diagnostic charges or
for how long is it covered? You

1052
01:18:29.000 --> 01:18:34.560
know it's it's uh okay air conditioning
system compress or compressor clutch. I probably

1053
01:18:34.560 --> 01:18:39.479
want to look under this section of
what is not covered? Right? That's

1054
01:18:39.560 --> 01:18:43.800
exactly right, except do you have
exclusions there in that policy? Can you

1055
01:18:43.960 --> 01:18:46.479
send that to us? Do you
have a digital form of that? Yeah?

1056
01:18:46.479 --> 01:18:49.359
I just good send it to us. Three oh three seven one three

1057
01:18:49.439 --> 01:18:54.119
talk. That's what we need to
do rather than guessing three O three seven

1058
01:18:54.159 --> 01:18:57.800
one three eight two five five mark. Have you ever heard of, ever

1059
01:18:57.920 --> 01:19:00.600
heard of a warranty ever? Well, and even consider that a warranty.

1060
01:19:00.720 --> 01:19:04.960
So my check engine light comes on
and I go in there and they charge

1061
01:19:05.000 --> 01:19:10.000
me six hundred dollars to diagnose it
and tell me I got a bad gas

1062
01:19:10.079 --> 01:19:13.319
cap and give me a five dollars
gas cap. It makes zero sense,

1063
01:19:13.560 --> 01:19:18.439
right? Or or what's to prevent
them from charging five thousand dollars? And

1064
01:19:18.560 --> 01:19:21.520
you need a new engine but it
cost them five thousand dollars to figure it

1065
01:19:21.560 --> 01:19:25.800
out. I mean, you know, there's got to be something in that

1066
01:19:25.960 --> 01:19:30.199
warranty we need to look at three
all three seven, one, three,

1067
01:19:30.439 --> 01:19:33.479
eight, two five five. I
totally agree with John. We got to

1068
01:19:33.520 --> 01:19:38.760
see it. It's probably a matter
of contract. Again, you may want

1069
01:19:38.800 --> 01:19:41.800
to try another dealer to see how
they handle it. That would be the

1070
01:19:41.920 --> 01:19:47.840
most crooked warranty I have ever heard
from a car manufacturer. There's crooked ones

1071
01:19:47.880 --> 01:19:53.520
out there on the secondary market everywhere, but for Honda to have a certified

1072
01:19:53.680 --> 01:19:58.640
vehicle pay diagnostics, that's worse than
any other brand I've ever heard of.

1073
01:19:59.039 --> 01:20:03.880
I have never paid for diagnostics on
a warranty issue on a Hondai ever on

1074
01:20:03.960 --> 01:20:09.880
a Hyundai. Right, And this
one is this, let's put it this

1075
01:20:10.000 --> 01:20:17.439
way. Particular one is this particular
one is for It's not the regular Honda

1076
01:20:17.479 --> 01:20:20.600
warranty, right, it's for the
certified pre home. Yeah. So I'm

1077
01:20:20.640 --> 01:20:26.159
looking at Honda's site. They have
Honda True Certified plus Honda Truth Certified,

1078
01:20:26.279 --> 01:20:30.439
Honda True used and then used.
So they're they're listening everything. I have

1079
01:20:30.560 --> 01:20:33.079
no idea what he bought, though
we got he said it's a True What

1080
01:20:33.640 --> 01:20:35.760
was he calling? And I want
to get the exact name of that.

1081
01:20:38.199 --> 01:20:43.079
Yeah, but there's multiple ones.
There's Honda True Certified plus Honda True Certified

1082
01:20:43.359 --> 01:20:46.880
and handah, you know, Randy. What's the name of your actual warranty?

1083
01:20:50.880 --> 01:20:55.520
Is he there? That was my
bad Tim he's there, Now go

1084
01:20:55.640 --> 01:21:00.199
ahead. What is the name of
your policy? The actual name? Just

1085
01:21:00.359 --> 01:21:09.920
true certified. That's it. Yeah, Okay, what's that it's not the

1086
01:21:10.159 --> 01:21:13.039
it's not then, okay, got
it? Okay, Well we'll look at

1087
01:21:13.119 --> 01:21:15.760
it. We'll look at it,
send it to us. Well, we'll

1088
01:21:15.800 --> 01:21:18.119
be right back. We got more
three oh three seven one to three talk.

1089
01:21:18.159 --> 01:21:21.279
I'll be interested to see what that
does. Denver Regen dot com.

1090
01:21:21.359 --> 01:21:25.720
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1091
01:21:25.880 --> 01:21:30.199
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That's with all injections, flies, the

1092
01:21:30.279 --> 01:21:33.520
drug itself, and doctors consultations.
You don't beat it. Compare that to

1093
01:21:33.680 --> 01:21:45.159
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1094
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1095
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1096
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1097
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companies find out now three all three
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1098
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1099
01:22:08.960 --> 01:22:13.680
com to list your home with Remax
Alliance three all three nine two zero sixteen

1100
01:22:13.760 --> 01:22:19.640
twenty two. Hi Tom Marksino here
three all three seven one three talks seven

1101
01:22:19.720 --> 01:22:24.079
one three eight two five five.
John Fuller's with us, and I want

1102
01:22:24.079 --> 01:22:27.600
to talk about a few things.
I've been getting some questions here. Here's

1103
01:22:27.640 --> 01:22:30.680
a real easy one. I know
it's one of your most terrible subjects because

1104
01:22:30.920 --> 01:22:36.039
he's called my accident lawyer dot co. And he's even though he takes other

1105
01:22:36.199 --> 01:22:40.680
kinds of personal injury, he said, premises liability is one of the worst.

1106
01:22:41.239 --> 01:22:43.439
First of all, John, before
I even ask you this question,

1107
01:22:43.520 --> 01:22:48.600
this person wants it was about the
last snowstorm. Why are premises liability lawsuits

1108
01:22:48.640 --> 01:22:55.439
so hard? Well, it's easy
because our Colorado legislature back in the eighties

1109
01:22:55.600 --> 01:23:00.800
decided that the simple concept of negligence
was too low of a standard for us

1110
01:23:00.840 --> 01:23:04.159
to use in Colorado, and so
they set out to build a statute that

1111
01:23:04.239 --> 01:23:11.800
would define the duty of landowners so
that we had a tougher road for claimants

1112
01:23:11.880 --> 01:23:15.560
to go down before they could prevail
in you know, what's commonly known as

1113
01:23:15.600 --> 01:23:19.880
a slip and fall. So our
legislature decided that they wanted to make it

1114
01:23:20.079 --> 01:23:26.239
very difficult for people that had been
injured to actually successfully bring claims. So

1115
01:23:26.800 --> 01:23:30.479
can I ask something? So they
made it very difficult, and I want

1116
01:23:30.520 --> 01:23:33.279
you to spell out what it takes
to do a lawsuit for premises liability,

1117
01:23:33.319 --> 01:23:36.640
But I want to I wanted to
ask you something. When was that?

1118
01:23:36.840 --> 01:23:42.920
When were those laws passed? That
to me sounds so me. First was

1119
01:23:43.000 --> 01:23:45.279
passed back in kind of the era
of tort reform, which was the early

1120
01:23:45.439 --> 01:23:49.720
to mid eighties. I think the
latest rendition was about eighty six. And

1121
01:23:49.800 --> 01:23:55.199
in fact, first the first version
TOM was so bad that it was subsequently

1122
01:23:55.279 --> 01:24:00.359
declared unconstitutional and they had to go
back and kind of revisit it come up

1123
01:24:00.359 --> 01:24:04.239
with some different different verbiage to pass
muster. But the main thing that they

1124
01:24:04.359 --> 01:24:09.359
did is they they they recognize,
which I don't have an issue with,

1125
01:24:09.520 --> 01:24:14.000
that there are different statuses that people
can have on property. So the different

1126
01:24:14.079 --> 01:24:18.560
statuses are obviously, trespasser would be
somebody who's owed the lowest duty of care

1127
01:24:18.680 --> 01:24:23.800
because they're not supposed to be on
the property. The second two are invitees

1128
01:24:24.439 --> 01:24:28.079
and licensees, and those are a
little less clear as to what they what

1129
01:24:28.239 --> 01:24:30.920
they amount to. But it's an
effort by the legislature to say that the

1130
01:24:31.119 --> 01:24:36.119
duty of a landowner or the person
responsible for property is different depending on your

1131
01:24:36.199 --> 01:24:41.760
status on the property. And so
somebody that is there for their own reasons

1132
01:24:41.880 --> 01:24:45.479
only, it's going to have a
different standard than somebody that's they're doing business

1133
01:24:45.520 --> 01:24:48.920
with. You like a a customer
at a store, if you took a

1134
01:24:49.000 --> 01:24:55.520
grocery store, So you have your
customers, which would be considered what are

1135
01:24:55.560 --> 01:25:00.359
they well, their invite the customers
are considered invitings, and the bran guy

1136
01:25:00.479 --> 01:25:03.880
that's delivering bread would be a leasey, would be a licensee or a licensee,

1137
01:25:04.000 --> 01:25:09.319
And so that's a great that's a
great example of the different standards.

1138
01:25:09.359 --> 01:25:13.720
So the guy that is there as
a customer is going to enjoy the most

1139
01:25:13.800 --> 01:25:16.920
protection, and the landowner is going
to be responsible for a dangerous condition that

1140
01:25:17.079 --> 01:25:21.039
they knew of or that they should
have known of, whereas the guy that's

1141
01:25:21.159 --> 01:25:28.319
the licensee has to actually prove that
the landowner was aware of the dangerous condition

1142
01:25:28.520 --> 01:25:31.439
and did nothing to protect from it. So that level of knowledge is the

1143
01:25:31.520 --> 01:25:35.680
difference, and in many cases that's
a huge difference in terms of being able

1144
01:25:35.720 --> 01:25:40.319
to prove the liability of a landowner
or not. And real quick, the

1145
01:25:40.399 --> 01:25:45.520
grocery story. Again, if oil
spills, a glass breaks and it's oil,

1146
01:25:45.600 --> 01:25:49.600
and someone slips and falls, does
it matter? If the cost doesn't

1147
01:25:49.640 --> 01:25:53.800
matter how long you'd been sitting on
the floor, If it's been there for

1148
01:25:54.279 --> 01:25:57.760
one minute or an hour, does
that matter? Yeah, it does matter.

1149
01:25:58.319 --> 01:26:00.680
And the statue says a new or
should known standard. And so the

1150
01:26:00.840 --> 01:26:04.760
reason why when we have a grocery
store case we get sweep logs and mop

1151
01:26:04.880 --> 01:26:09.880
logs and stuff that show that they
were down that aisle like every six minutes

1152
01:26:10.000 --> 01:26:14.720
is because they understand that the jury
is eventually going to have to consider and

1153
01:26:14.840 --> 01:26:18.720
decide whether the efforts that they took
were reasonable. So it could have been

1154
01:26:18.800 --> 01:26:23.840
there for three hours. If a
jury decides that that's reasonable, that they

1155
01:26:23.880 --> 01:26:27.680
didn't discover it in three hours,
Okay, you and I know that that's

1156
01:26:27.760 --> 01:26:30.800
probably not not going to an employee
walked by it and decided he was going

1157
01:26:30.880 --> 01:26:34.039
to be lazy and kept going for
sure. Yep, now what about this

1158
01:26:34.199 --> 01:26:39.119
one? Then somebody wants to know. With the last no storm, they

1159
01:26:39.119 --> 01:26:43.439
were out in front of the business
and slipped on the snow. It hadn't

1160
01:26:43.479 --> 01:26:49.520
been shoveled well at same standard dangerous
condition that they knew of or should have

1161
01:26:49.600 --> 01:26:53.840
known of. And it goes deeper. We have to consider the role of

1162
01:26:53.920 --> 01:26:56.840
the land owner. Is it the
land owner, is it a lessie,

1163
01:26:57.000 --> 01:26:59.600
is it a tenant? You know, all those issues have to be worked

1164
01:26:59.600 --> 01:27:03.079
out as well, but it's an
unreasonable failure to take reasonable steps to protect

1165
01:27:03.119 --> 01:27:06.720
against the dangerous condition that you knew
of or that you didn't or that you

1166
01:27:06.760 --> 01:27:11.600
should have known of. So you've
got two unreasonables and anew or should have

1167
01:27:11.720 --> 01:27:15.239
known all in the same senate.
So the reason they're so tough is that

1168
01:27:15.399 --> 01:27:19.680
you can you can just manipulate that
sentence fifty eight ways from Sunday and arrive

1169
01:27:19.720 --> 01:27:24.680
at a different conclusion. Okay,
and if you're if you what if you're

1170
01:27:24.720 --> 01:27:29.199
walking by the store on a public
sidewalk, but they're responsible for shoveling or

1171
01:27:29.279 --> 01:27:32.119
clearing the snow, You're not there. You're not an invitee. You're not

1172
01:27:32.239 --> 01:27:35.479
a licenseee, are you. You'd
probably be closer to a licensee in that

1173
01:27:35.600 --> 01:27:41.520
situation. But again, here's really
just walking past the store. You're there

1174
01:27:41.560 --> 01:27:45.319
for your own purpose, your own
benefit. You're you're traversing the property to

1175
01:27:45.359 --> 01:27:48.680
get to a location that you know
is entirely self serving. So it probably

1176
01:27:48.720 --> 01:27:51.640
would be a licensee. But here's
one of the challenges Tom, and this

1177
01:27:51.800 --> 01:27:57.520
is the crazy part about the statue
is those issues are for the judge to

1178
01:27:57.680 --> 01:28:01.760
decide, and that typically happens right
before trial. So you may go all

1179
01:28:01.840 --> 01:28:06.279
the way through the litigation process and
not know exactly what the standard is that

1180
01:28:06.439 --> 01:28:11.359
the landowner's going to be held to
when you actually go to trial. And

1181
01:28:11.479 --> 01:28:15.039
that's what makes them so difficult to
get resolved, is that there's so many

1182
01:28:15.159 --> 01:28:19.199
variables that are not decided and are
not clearly known the as you go through

1183
01:28:19.279 --> 01:28:24.920
the process. What insurance cover you
before you even go to court, Like

1184
01:28:25.079 --> 01:28:29.520
if somebody's bucking by in falls or
does insurance fight that kind of thing,

1185
01:28:29.600 --> 01:28:30.880
Well, they're going to fight every
one of those cases. I mean,

1186
01:28:30.960 --> 01:28:34.600
for a long long time, every
single case I had that was a premises'

1187
01:28:34.680 --> 01:28:40.640
case went into litigation. So I
mean every single case went into litigation,

1188
01:28:40.800 --> 01:28:44.039
and so you had to know that
going into it and As a result,

1189
01:28:44.479 --> 01:28:47.800
we're very selective in the cases that
we take for premises liability because we know

1190
01:28:48.279 --> 01:28:51.800
we're going to be held to,
you know, put up or shut up,

1191
01:28:51.880 --> 01:28:55.720
So we're going to probably have to
go into litigation. Now that doesn't

1192
01:28:55.760 --> 01:28:58.760
mean that you'll actually have to go
to trial, but it means that your

1193
01:28:58.960 --> 01:29:01.399
case is going to be test they're
going to review everything, they're going to

1194
01:29:01.439 --> 01:29:06.079
depose the witnesses. It's going to
be hotly contested and litigated before you finally

1195
01:29:06.119 --> 01:29:11.359
get it resolved. At the end, someone else wants to know. If

1196
01:29:11.479 --> 01:29:16.319
you are injured and can't work,
but you didn't have a job, but

1197
01:29:16.520 --> 01:29:19.159
you can show what your income would
have been, you couldn't even look for

1198
01:29:19.239 --> 01:29:24.600
a job, how do you figure
out lost wages? Well, that's a

1199
01:29:24.800 --> 01:29:29.880
really touchy gray area. I am
of the opinion that that hypothetical losses are

1200
01:29:29.960 --> 01:29:34.479
not damages that you can truly claim. You know, obviously there's lost opportunity

1201
01:29:34.600 --> 01:29:38.960
things that you might be able to
carry the burden on. But if you're

1202
01:29:39.039 --> 01:29:43.720
unemployed, and unless you can truly
show that you missed an opportunity, that

1203
01:29:43.840 --> 01:29:47.000
a job offer was on the table
that was going to pay you a definite

1204
01:29:47.039 --> 01:29:49.479
amount of money, it's going to
be very tough for you to prove that

1205
01:29:49.600 --> 01:29:54.319
in court. Well, you'd lost
me a little bit there. So if

1206
01:29:54.359 --> 01:29:58.479
you have someone, let's take twenty
five years old and they're a lost student,

1207
01:29:58.880 --> 01:30:02.159
and they have this path ahead of
them of making x amount because that's

1208
01:30:02.239 --> 01:30:06.000
what lawyers make, whatever it is, or a twenty five year old that

1209
01:30:06.399 --> 01:30:12.520
you know works at the dollar store
making ten bucks an hour and that's their

1210
01:30:12.600 --> 01:30:15.800
path forward, and they both get
injured, not killed, but extremely injured

1211
01:30:15.880 --> 01:30:20.960
where they can't work period. Wouldn't
the one with the more successful path ahead

1212
01:30:21.319 --> 01:30:27.439
end up with more money if the
insurance is there. Well, not necessarily

1213
01:30:27.560 --> 01:30:30.760
unless they had that job and they
lost it. Because there's plenty of kids

1214
01:30:30.800 --> 01:30:34.039
with law degrees that are working at
Starbucks okay and not making that what lawyers

1215
01:30:34.039 --> 01:30:38.920
are supposed to make. There's a
million different paths that lawyers can take that

1216
01:30:39.119 --> 01:30:43.600
don't pay very great or wonderful or
even very good. I mean, so,

1217
01:30:43.920 --> 01:30:47.640
no hypothetical losses are just that hypothetical
intentions have a burden of proving.

1218
01:30:48.279 --> 01:30:54.239
You know, you have the burden
of satisfying that that proof that you've actually

1219
01:30:54.359 --> 01:30:58.159
lost those those dollars of earning,
but age would come in right. In

1220
01:30:58.239 --> 01:31:01.439
other words, two people's same job, same salary, same kind of car

1221
01:31:01.560 --> 01:31:05.000
accident, they can't work anymore.
Let's say they're dentists. Yeah, yeah.

1222
01:31:05.680 --> 01:31:09.800
If one of them sixty and one
of them's thirty. Yeah, if

1223
01:31:09.880 --> 01:31:14.119
they had jobs and they were not
able to perform those jobs anymore, then

1224
01:31:14.279 --> 01:31:18.079
certainly the you know, the younger
one, the younger one is going to

1225
01:31:18.119 --> 01:31:20.960
have a larger claim if he's not
going to be able to work for the

1226
01:31:21.039 --> 01:31:25.600
rest of his life. The older
one, you know it, statistically only

1227
01:31:25.720 --> 01:31:30.119
has fourteen more years of her working
life. That may be a factor.

1228
01:31:30.239 --> 01:31:31.359
Yeah, for sure, got it? Hey, John, right, three

1229
01:31:31.399 --> 01:31:34.680
oh three seven one three talk.
We'll come right back to this, John

1230
01:31:34.760 --> 01:31:39.119
Fuller, my accident layer Docio.
Somebody wants to know the value of a

1231
01:31:39.199 --> 01:31:46.159
car at oh eight Hundai Accent and
a twenty ten Corolla plus more on the

1232
01:31:46.199 --> 01:31:55.159
Troubleshooter Show right after this. But
how old go with a sure thing?

1233
01:31:55.319 --> 01:31:59.720
Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're

1234
01:32:00.119 --> 01:32:05.720
head time for an insurance check up, free, no obligation. In comparison,

1235
01:32:05.880 --> 01:32:11.439
call Compass insurance paying too much your
coverage at dozens of insurance companies.

1236
01:32:11.560 --> 01:32:14.760
Find out now three O three seven
to seven to one help. You'll think

1237
01:32:14.800 --> 01:32:17.600
you're his only customer when you choose
Frank durand the real estate man dot com

1238
01:32:17.840 --> 01:32:23.479
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1239
01:32:23.560 --> 01:32:31.439
two. Hi Tom Martine here at
three three seven to one three talk Listen,

1240
01:32:31.640 --> 01:32:38.800
I Randy. I read over your
agreement here, your warranty work,

1241
01:32:39.560 --> 01:32:45.920
and it says in the warranty work
that the only time diagnostics are not covered

1242
01:32:47.039 --> 01:32:55.199
the cost of diagnostics and tear down
if the breakdown is the result of a

1243
01:32:55.439 --> 01:33:01.560
non covered part or condition, or
if the non covered part causes damage to

1244
01:33:01.680 --> 01:33:06.439
a covered part. So, and
it's pretty typical for a warranty company.

1245
01:33:06.520 --> 01:33:11.239
I don't care who it is to
say or the dealership say hey, if

1246
01:33:11.279 --> 01:33:15.359
we're not going to get paid for
the teardown because it's not a warrantyed part.

1247
01:33:15.439 --> 01:33:16.640
When we get in there, you
need to sign, say and you

1248
01:33:16.760 --> 01:33:20.039
will. That's normal. Yeah.
Now here's what I want to tell you,

1249
01:33:20.159 --> 01:33:26.960
though. This is really important if
that charge was going to be more

1250
01:33:27.039 --> 01:33:33.359
than one hundred bucks, and I
think they get plus ten percent under the

1251
01:33:33.439 --> 01:33:38.319
autow Repair Act in Colorado, they
should have given you a written estimate,

1252
01:33:38.479 --> 01:33:41.760
or they can't charge you more than
one hundred dollars or one hundred and ten

1253
01:33:41.800 --> 01:33:45.039
because it's one hundred plus ten percent, but or ten percent over. I

1254
01:33:45.119 --> 01:33:49.760
don't get it. I don't get
anywhere where they can just charge you arbitrarily

1255
01:33:49.920 --> 01:33:55.319
six hundred bucks. I think all
they're saying is, if the warranty company

1256
01:33:55.439 --> 01:33:58.960
doesn't cover it, we used to
take engines in. So is that what

1257
01:33:59.000 --> 01:34:00.800
they're saying, Randy says, is
that what they're saying, Randy, that

1258
01:34:01.239 --> 01:34:04.319
that if the warranty doesn't cover it, you have to pay the six hundred.

1259
01:34:05.319 --> 01:34:08.960
No, they said I had to
pay the six hundred because they need

1260
01:34:09.039 --> 01:34:14.479
to tell you to perceive that those
steps, I find it. I find

1261
01:34:14.520 --> 01:34:15.920
it hard to believe the whole thing. I find hard to believe that.

1262
01:34:17.359 --> 01:34:21.399
Well, Well, send me,
Randy, send me over the work order,

1263
01:34:21.439 --> 01:34:25.560
and I'm going to call these guys. I'm going to pick up the

1264
01:34:25.680 --> 01:34:30.239
car today and let me go pick
up the car and see what the charges

1265
01:34:30.279 --> 01:34:31.680
are, and then I will send
you a copy of this. Yeah,

1266
01:34:31.680 --> 01:34:35.800
but you shouldn't pay the charge,
you know, or they should not charge

1267
01:34:35.800 --> 01:34:40.079
you for you can tell them under
the auto repair active there was going to

1268
01:34:40.119 --> 01:34:42.720
be a charge more than one hundred
and twenty five bucks. They needed to

1269
01:34:42.800 --> 01:34:45.920
tell you in writing. Well,
they told me over the phone. They

1270
01:34:45.960 --> 01:34:47.239
didn't tell me any Well, actually, they don't have to tell you in

1271
01:34:47.319 --> 01:34:50.960
writing. I'm sorry. You have
to get You have to get a written

1272
01:34:51.159 --> 01:34:57.960
estimate unless it's after you leave.
They can call you and time and and

1273
01:34:58.119 --> 01:35:00.920
get the time and date and manner
of cons Well, wait a minute,

1274
01:35:00.079 --> 01:35:04.399
you just said something that just blows
up your argument. They called you and

1275
01:35:04.520 --> 01:35:08.399
said, by the way, there's
going to be a six hundred dollars charge,

1276
01:35:08.640 --> 01:35:12.600
in which you could have turned it
down. Oh I could have turned

1277
01:35:12.640 --> 01:35:15.800
it down, but Randy hold on. So they did give you an estimate

1278
01:35:15.920 --> 01:35:20.159
upfront and told you they're going to
charge you six hundred dollars. I never

1279
01:35:20.199 --> 01:35:25.560
said they didn't. My point was
that I don't feel I should be paying

1280
01:35:26.119 --> 01:35:30.359
that that fee. Well you should, you should, because you agreed to

1281
01:35:30.439 --> 01:35:34.079
it. No, but I disagree
they should not be charging him if it's

1282
01:35:34.159 --> 01:35:38.760
under warranty. Mark, I understand
what you're saying, but he you know,

1283
01:35:40.640 --> 01:35:43.359
Okay, okay, that was a
really important part to leave out that

1284
01:35:43.439 --> 01:35:45.359
they they told him up front there
was going to be a six hundred dollars

1285
01:35:45.439 --> 01:35:47.640
charge. Mark. It's not like
they sprung it on him, I know.

1286
01:35:47.760 --> 01:35:53.640
But it's underhanded. Oh yeah,
I understand what you're saying. It's

1287
01:35:53.720 --> 01:35:57.840
underhand meaning they they had him over
a barrel. Yes, and they say,

1288
01:35:57.880 --> 01:36:00.760
look, you're gonna we're going to
charge you. Did they tell you

1289
01:36:00.880 --> 01:36:03.720
how much? Did they say there's
going to be a diagnostic fear? Did

1290
01:36:03.760 --> 01:36:09.840
they tell you exactly how much?
They told me they first took in the

1291
01:36:09.920 --> 01:36:14.359
car, they said, if I
didn't accept their diagnostic charge, it would

1292
01:36:14.359 --> 01:36:16.520
be one hundred dollar charge to get
the car back without them doing anything.

1293
01:36:16.560 --> 01:36:18.800
You know what I do? Listen, listen, I just thought of this.

1294
01:36:19.279 --> 01:36:23.079
And do you know why there would
be one hundred dollars charge without them

1295
01:36:23.159 --> 01:36:27.720
doing anything, because the Auto Repair
Act allows them to do that. What

1296
01:36:27.840 --> 01:36:30.399
I would do, Randy, Listen, I am not kidding. I would

1297
01:36:30.479 --> 01:36:33.159
call up Honda. I would take
this dealer out of it and call up

1298
01:36:33.199 --> 01:36:38.439
Honda say, I bought this certified, here's the bin, here's the mileage,

1299
01:36:38.479 --> 01:36:41.479
here's when I bought it. I
just picked it up and they charged

1300
01:36:41.560 --> 01:36:45.920
me six hundred bucks for a broken
air conditioner. What the hell's going on?

1301
01:36:46.159 --> 01:36:49.560
That's what I'm going to do.
I saw that in the contract.

1302
01:36:49.680 --> 01:36:54.399
That's what I'm supposed to. Just
call Honda America and I'm going to do

1303
01:36:54.560 --> 01:37:00.319
that. But did we even ask
what dealer this was? Yeah, Sat,

1304
01:37:01.039 --> 01:37:04.960
this just sounds so underhanded, it's
hard to believe. I'm Mark,

1305
01:37:05.159 --> 01:37:08.680
Mark. You Mark, You ought
to call over there and just say,

1306
01:37:08.960 --> 01:37:12.359
you know what, what is the
uh? What is the point of having

1307
01:37:12.399 --> 01:37:15.680
a warranty? The only time if
they bring this up, Mark, tell

1308
01:37:15.760 --> 01:37:19.039
them that the only in the warranty. The only time they're allowed to charge

1309
01:37:19.079 --> 01:37:23.760
for that under the warranty is if
it's an uncovered part. Now, you

1310
01:37:23.880 --> 01:37:26.560
did bring it, You brought he
brought it back to where he bought it.

1311
01:37:26.680 --> 01:37:28.880
Yeah, let me say that.
Let me say something about that.

1312
01:37:28.960 --> 01:37:33.039
You did say something that possibly,
if it is a covered part, maybe

1313
01:37:33.840 --> 01:37:38.359
that five hundred and sixty dollars won't
be charged me. Maybe they just said

1314
01:37:38.359 --> 01:37:41.239
that in case it was right?
Yeah, right, that could be right.

1315
01:37:41.640 --> 01:37:45.039
That could be go pick it up. If they charge you, you're

1316
01:37:45.119 --> 01:37:48.439
going to send that invoice to help
it. Troubleshooter dot Com and we're gonna

1317
01:37:48.479 --> 01:37:51.359
be uh talking to the people over
you know, Mark, I think that's

1318
01:37:51.399 --> 01:37:55.479
what's going on. I think that's
what's going on. I think they called

1319
01:37:55.560 --> 01:37:59.880
him under the Auto Repair Act.
Here's what they said, We're going to

1320
01:38:00.119 --> 01:38:02.960
have to charge you for a diagnostic
fee if it turns out the warranty isn't

1321
01:38:03.000 --> 01:38:05.760
covered, right, right, Yeah, that's what Mark's been saying all along.

1322
01:38:06.119 --> 01:38:11.039
Yeah, that is exactly why,
because it doesn't make sense that they

1323
01:38:11.039 --> 01:38:15.520
would simply add a diagnostic fee.
So Mark suspected that that's what that.

1324
01:38:16.760 --> 01:38:19.680
Hey, you should call back and
let us know because a lot of people

1325
01:38:19.800 --> 01:38:25.119
heard this glass and we want to
know if there was some underhanded stuff where

1326
01:38:25.159 --> 01:38:28.840
it was a misunderstanding. Yeah,
for sure, I'll definitely call you back.

1327
01:38:28.880 --> 01:38:30.640
I will send you the invoice regardless
of the outcome, and you'll buy

1328
01:38:30.720 --> 01:38:35.079
us lunch. Brad, Brad,
what do you want to know about homeowners'

1329
01:38:35.119 --> 01:38:39.600
rights and squad This thing is going
on all over the country. Let me

1330
01:38:39.680 --> 01:38:45.840
explain something. Do you know there
are videos now on TikTok showing people how

1331
01:38:46.199 --> 01:38:51.399
to become a squatter and get a
place to live for at least forty five

1332
01:38:51.520 --> 01:38:56.439
days by the time they get you
out. Go ahead, Brad, Florida.

1333
01:38:57.079 --> 01:39:00.800
What's that? Except in Florida?
Do Santas just signed in order making

1334
01:39:00.880 --> 01:39:04.960
it easy for you to call the
sheriff and have them evicted on the spot.

1335
01:39:06.239 --> 01:39:09.800
Okay, good I didn't know about
that, Brad, Go ahead.

1336
01:39:11.079 --> 01:39:14.000
Yeah, how are you today,
Tom good Man? What's happening? Pretty

1337
01:39:14.039 --> 01:39:17.359
damn well? Well, what's happening
Tomy? Is I got these squatters across

1338
01:39:17.439 --> 01:39:23.720
the road. Okay, First of
all, my address here? Will I

1339
01:39:23.840 --> 01:39:27.199
live here on the corner and rad? Are they in your home or are

1340
01:39:27.239 --> 01:39:30.760
they in someone else's home? No, they're just on a vacant lot,

1341
01:39:30.880 --> 01:39:34.560
is what they are with their motor
home. Okay, hold on a second,

1342
01:39:34.720 --> 01:39:39.600
Hold on. That's a whole different
set of circumstances. We'll talk to

1343
01:39:39.680 --> 01:39:48.520
you right after this. Go with
a sure thing Denver's Best roofer Excel Roofing

1344
01:39:48.640 --> 01:39:56.119
dot com. You don't pay a
cent until you're content. Time for an

1345
01:39:56.119 --> 01:40:00.359
insurance check up free, no obligation. In comparison, call Compass and Durance

1346
01:40:00.520 --> 01:40:03.479
paying too much your coverage at dozens
of insurance companies. Find out now three

1347
01:40:03.560 --> 01:40:08.359
oh three seven seven to one help. You'll think you're his only customer when

1348
01:40:08.399 --> 01:40:12.079
you choose Frank durand the real estate
man dot Com to list your home with

1349
01:40:12.279 --> 01:40:20.560
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Marks,

1350
01:40:20.600 --> 01:40:27.600
you know here, okay? Right
to the phones. And Brad said,

1351
01:40:28.239 --> 01:40:30.880
there's a vacant lot and a camper
on it. And how do you

1352
01:40:31.000 --> 01:40:38.239
know they don't have permission to be
there? Brad, Well, it's it's

1353
01:40:38.359 --> 01:40:41.960
my parents' estate, is what it
is, and I'm taking care of because

1354
01:40:42.000 --> 01:40:45.600
my parents are dead, So the
land belongs to your parents. Well,

1355
01:40:46.079 --> 01:40:49.840
it was my parent but it's in
my name and two other brothers names.

1356
01:40:49.880 --> 01:40:55.199
Well, what I mean is you
guys own somebody in your family owns the

1357
01:40:55.319 --> 01:41:00.479
property right right, and you did, and you did not give permie to

1358
01:41:00.560 --> 01:41:03.600
them to be there. No,
No, I gave them permission to be

1359
01:41:03.720 --> 01:41:06.600
there, and they were going to
be there for ninety days. Ding ding

1360
01:41:06.720 --> 01:41:12.159
ding ding ding ding ding. You
gave permission hand, okay, but he

1361
01:41:12.359 --> 01:41:18.720
was a hired hand. You gave
permission right then two months after he paid

1362
01:41:18.800 --> 01:41:28.399
me rent, he come up with
this deal where I supposedly assaulted his wife,

1363
01:41:28.760 --> 01:41:31.479
which never happened. It wasn't established
by the Sheriff's department. That none

1364
01:41:31.520 --> 01:41:34.239
of that matters. Brad. Here's
you want to get rid of them.

1365
01:41:34.279 --> 01:41:38.880
You have to go through a legal
eviction process. I realize that. I

1366
01:41:38.960 --> 01:41:41.680
realized that, Tom. But it's
different. Hold on, Brad, what

1367
01:41:41.840 --> 01:41:47.119
you don't realize. What you don't
realize. It is totally different than an

1368
01:41:47.159 --> 01:41:58.479
apartment eviction was because it's a mobile
home you have. You I'm telling you,

1369
01:41:59.399 --> 01:42:02.479
you're not going to believe the red
tape you have to go through to

1370
01:42:02.560 --> 01:42:11.800
move that. Well, I'm believing
it. Believe me because to me now,

1371
01:42:11.880 --> 01:42:15.000
I'm not telling you it's insurmountable.
Brad. You didn't call me to

1372
01:42:15.039 --> 01:42:17.479
get bad news. You need to, but you can't do it alone.

1373
01:42:17.520 --> 01:42:21.439
You need to hire an attorney and
get it done forthwith. The longer he

1374
01:42:21.600 --> 01:42:29.359
stays, the longer he stays,
the more rights he will have. That

1375
01:42:29.800 --> 01:42:33.560
is so wrong. Yeah, I
know, I mean, I mean,

1376
01:42:33.720 --> 01:42:38.479
I'm on social Security, I'm on
a fixed income. I cannot afford a

1377
01:42:38.560 --> 01:42:43.760
lawyer, Brad. I know what
they're doing is just taking advantage of the

1378
01:42:43.800 --> 01:42:45.760
elderly, is what they're doing.
No, they're not. They're taking advantage

1379
01:42:45.800 --> 01:42:49.920
of everyone. Yes, yeah,
because they conspired to destroy me. And

1380
01:42:50.039 --> 01:42:54.000
that's exactly what the no, no, you're not the what I'm trying to

1381
01:42:54.039 --> 01:42:59.159
get at is they're not taking advantage
of just you and the elderly. This

1382
01:42:59.359 --> 01:43:03.600
is happening all over the country.
Brad, Well, why isn't it fixed?

1383
01:43:04.479 --> 01:43:08.680
Well, I could give you an
opinion, but then I'm going to

1384
01:43:08.760 --> 01:43:12.119
get some hate mail. I'm going
to tell you something. Okay, we

1385
01:43:12.439 --> 01:43:15.199
have Okay, I'm going to tell
you, especially in Colorado, but this

1386
01:43:15.359 --> 01:43:21.039
goes elsewhere. Okay, this goes
elsewhere. We have voted in everything that

1387
01:43:21.119 --> 01:43:29.239
we're getting, either directly or indirectly. Every single thing we are getting,

1388
01:43:29.560 --> 01:43:32.039
we have voted for. I'm saying
we as a people, not me,

1389
01:43:32.319 --> 01:43:38.720
not you. But that's it.
That's it. Every single thing, the

1390
01:43:38.920 --> 01:43:45.479
crime, the shoplifting, the squatting, the drugs, the free injection sites,

1391
01:43:45.039 --> 01:43:49.159
the whatever, you just name it, name it, you voted for

1392
01:43:49.279 --> 01:43:54.840
it. Well I didn't vote for
it. Well, okay, I know

1393
01:43:54.920 --> 01:43:58.520
what you mean. I'm not saying
you personally, but Brad, I'm serious.

1394
01:43:58.880 --> 01:44:00.560
You said this property loans to you
and your brother, your peep,

1395
01:44:00.640 --> 01:44:03.479
your family. You got to chip
in, right, don't try to do

1396
01:44:03.600 --> 01:44:08.600
it alone, Bread and don't try
to do self help. I'm going to

1397
01:44:08.640 --> 01:44:12.760
tell you something I know that Mark
says, if somebody's in my home,

1398
01:44:12.800 --> 01:44:15.840
I'm going to call the ship.
You're I'm telling you all over the country,

1399
01:44:15.960 --> 01:44:20.479
and Colorado's one of the worst.
You're not gonna if someone moves into

1400
01:44:20.520 --> 01:44:26.439
your house while you're on vacation,
You're not going to get your house back

1401
01:44:26.520 --> 01:44:29.199
without a court battle. Now,
I'm not saying you won't get it back.

1402
01:44:29.239 --> 01:44:32.760
You will. Now. There are
there as many there are tapes,

1403
01:44:33.239 --> 01:44:38.560
not tape, you know, presentations
on YouTube and TikTok telling people how to

1404
01:44:38.640 --> 01:44:42.560
do it. There are also ones
telling people how to fight it. And

1405
01:44:43.560 --> 01:44:48.920
we have actually had I've watched YouTube
videos of people getting arrested for trying to

1406
01:44:49.000 --> 01:44:55.239
get a squatter out of their home
that the homeowner got arrested. Yeah,

1407
01:44:55.880 --> 01:45:00.800
yeah, I just I always look
at it. And and here's where I'm

1408
01:45:00.840 --> 01:45:04.479
going with this. There's one thing. If you're gone for ninety days,

1409
01:45:05.760 --> 01:45:09.520
I don't even know about that.
But to be honest, Tom, I'm

1410
01:45:09.600 --> 01:45:12.840
going for a week and I come
home and I go into my house and

1411
01:45:13.000 --> 01:45:15.520
all of a sudden, I'm surprised
by someone in there. I'm gonna shoot

1412
01:45:15.600 --> 01:45:18.399
him. I'm gonna kill him.
And I'm gonna call it to make my

1413
01:45:18.560 --> 01:45:23.520
day law because they're in my house. Okay, but you're gonna If you

1414
01:45:23.640 --> 01:45:27.520
did that, you will be in
serious, serious trouble. And I hope

1415
01:45:27.560 --> 01:45:30.680
you don't do that. Honest to
God, I hope you don't. And

1416
01:45:31.079 --> 01:45:35.119
Mark, I'm not telling you that
you're wrong for feeling that way or that

1417
01:45:35.520 --> 01:45:40.039
you won't win ultimately, John,
what are You're a You come home from

1418
01:45:40.079 --> 01:45:43.960
a week's vacation and walk in It
doesn't matter what John power. There's a

1419
01:45:44.039 --> 01:45:46.520
guy there look look like it or
not. John is a man of law,

1420
01:45:46.760 --> 01:45:49.000
like it or not. I mean
he can take matters into his own

1421
01:45:49.039 --> 01:45:51.800
hands. But the law is what
it is. I'm not agreeing with it.

1422
01:45:53.439 --> 01:45:58.800
I hate even talking about it.
We'll talk about it though. Coming

1423
01:45:58.920 --> 01:46:05.159
up, I'm Tom Martine. Go
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1424
01:46:05.279 --> 01:46:12.920
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a cent until you're content. Three time

1425
01:46:13.000 --> 01:46:16.399
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1426
01:46:16.600 --> 01:46:20.720
Pay too much your coverage at dozens
of insurance companies find out now three oh

1427
01:46:20.800 --> 01:46:25.439
three seven seven to one. Help
You'll think you're his only customer. When

1428
01:46:25.479 --> 01:46:29.199
you choose Frank durand the real estate
man dot Com to list your home with

1429
01:46:29.359 --> 01:46:40.960
Remax Alliance three oh three nine two
zero sixteen twenty two rip of news,

1430
01:46:43.119 --> 01:46:49.880
you don't have come run anxious as
fast as we can. Shooter's gonna help

1431
01:46:50.199 --> 01:46:58.600
come. Man, this is the
Troubleshooter Show. No Tom Martino, Hey

1432
01:46:58.800 --> 01:47:00.880
Tom Martino here, this is the
final hour of the show. We're going

1433
01:47:00.960 --> 01:47:02.920
to go right to the phones.
We've got a lot of things going on,

1434
01:47:03.399 --> 01:47:06.199
and I don't want to get sidetracked
on the entire show. But man,

1435
01:47:06.399 --> 01:47:10.119
every time we bring it up,
it just pisses people off. And

1436
01:47:10.560 --> 01:47:13.279
I want to make something clear.
I'm not telling you what I like,

1437
01:47:13.439 --> 01:47:15.800
what I would do, my preference, I'm not telling you any of that.

1438
01:47:15.199 --> 01:47:19.520
I think the whole thing is just
terrible, this squatting problem. In

1439
01:47:19.600 --> 01:47:24.600
fact, if you look on my
callscreener right now, sus, you can

1440
01:47:24.680 --> 01:47:28.279
attest to this. I have under
show notes a note from several days ago.

1441
01:47:29.159 --> 01:47:31.960
I wanted to get brad on about
this because we've getten so many increries

1442
01:47:32.119 --> 01:47:38.199
about it, and that what we're
talking about is squatters and what rights people

1443
01:47:38.319 --> 01:47:41.119
have. We don't have a lot
of rights. We don't. If they

1444
01:47:41.239 --> 01:47:44.039
invade while you're in the house,
you can shoot them. You can kill

1445
01:47:44.079 --> 01:47:48.359
them. I mean, if there
are signs of break in, breaking in

1446
01:47:48.760 --> 01:47:54.800
and they're stealing things or things are
missing, you can make a case to

1447
01:47:54.800 --> 01:47:59.079
the local police that they broke in
and took that stuff. If none of

1448
01:47:59.119 --> 01:48:03.680
that is true and they're sitting there
watching TV and they say, we moved

1449
01:48:03.720 --> 01:48:08.720
in here while you're at work because
you said we could, or we have

1450
01:48:08.840 --> 01:48:13.359
a right to be here, or
we're a sovereign citizen, and I'm telling

1451
01:48:13.439 --> 01:48:17.239
you, they can bogus up written
contracts. They can do it by hand

1452
01:48:17.439 --> 01:48:21.399
and claim that you signed it.
Here's what else they can do. Look

1453
01:48:21.399 --> 01:48:25.880
at I'm looking at these cases.
All thing you could do if you came

1454
01:48:26.000 --> 01:48:29.560
back from vacation and there's someone living
in your house would be to call the

1455
01:48:29.640 --> 01:48:31.319
cops. You just get it handled, man. Now. Now. The

1456
01:48:31.439 --> 01:48:35.960
other thing is this. The other
thing is some people have had listen to

1457
01:48:36.039 --> 01:48:41.720
this mark. They have had packages
delivered there. So when you're out of

1458
01:48:41.800 --> 01:48:45.079
town, a package is delivered there
in their name, they come there,

1459
01:48:45.199 --> 01:48:48.399
pick up the package, break in
the house, they fix the break in

1460
01:48:48.560 --> 01:48:53.079
or they don't really even break in. They just get in and well,

1461
01:48:53.279 --> 01:48:55.640
and if they do break in,
they cover it up. But the point

1462
01:48:55.720 --> 01:48:59.000
of the matter is they've had a
package delivered there. This is one of

1463
01:48:59.039 --> 01:49:01.880
the TikTok video. You know what's
amazing to me. On a side note,

1464
01:49:02.239 --> 01:49:08.680
do you remember that we could not
post anything on Facebook or YouTube or

1465
01:49:09.000 --> 01:49:14.880
any of the social media about boosting
your immune system, not taking a vaccine,

1466
01:49:15.199 --> 01:49:17.760
or anything to do with COVID because
they said it was dangerous. But

1467
01:49:17.920 --> 01:49:24.439
we have people on all of those
telling people how to become squatters and take

1468
01:49:24.520 --> 01:49:29.840
over people's homes. Does that sound
balance to anyone? How does that happen?

1469
01:49:30.159 --> 01:49:32.800
How does that happen? Well?
In any case, the squatter problem

1470
01:49:33.000 --> 01:49:39.119
is real, okay. And Brad
said on his property it's vacant land.

1471
01:49:39.199 --> 01:49:42.720
Okay, it's not the home,
it's a camper on vacant land. And

1472
01:49:42.880 --> 01:49:46.279
he made the mistake of giving them
permission. And because he gave them permission

1473
01:49:46.640 --> 01:49:50.800
and then they overstayed their welcome,
they're not paying anymore. Then they start

1474
01:49:50.840 --> 01:49:55.800
accusing him of doing something to his
wife. And here's the bottom line.

1475
01:49:56.439 --> 01:49:59.840
For Brad, to get them off
of that property is going to be even

1476
01:50:00.199 --> 01:50:04.640
harder than a normal squatter because that
will fall under mobile homes. Now,

1477
01:50:05.199 --> 01:50:09.640
Ben, you have a comment.
What is your comment? Ben? Well,

1478
01:50:09.720 --> 01:50:12.399
let's first let me say that I've
been listening to you for over fifty

1479
01:50:12.479 --> 01:50:15.960
years here in Colorado. Well,
it would have to be forty four and

1480
01:50:15.000 --> 01:50:20.399
a half. But go ahead.
Not only that, not only that he

1481
01:50:20.560 --> 01:50:26.399
discovered you because his dad was listening. Yeah right, So anyway, Ben,

1482
01:50:26.560 --> 01:50:29.720
So what's going on? What's your
comments? Are? Well? This

1483
01:50:29.840 --> 01:50:33.880
down and for just a little while
ago, sign the law allowing all all

1484
01:50:34.039 --> 01:50:38.920
Florida citizens to the kick the squatters
out of their houses. No, you're

1485
01:50:39.000 --> 01:50:43.680
right, but Doc told us that. Doc told us that absolutely good for

1486
01:50:43.800 --> 01:50:47.680
them. Love the dissents. Well, I'm telling you he does stick up

1487
01:50:47.720 --> 01:50:50.760
for people's rights, doesn't it.
How about that sheriff down there? You

1488
01:50:50.840 --> 01:50:56.119
guys heard this guy play that real
quick, play sheriff, real quick.

1489
01:50:56.439 --> 01:51:00.199
Oh I want me to play ready, I have it somewhere I'll keep Here's

1490
01:51:00.279 --> 01:51:03.680
the deal, I will. I'll
do it right now here somewhere if I

1491
01:51:03.720 --> 01:51:08.199
can find it. I did have
it, played it before I didn't.

1492
01:51:08.600 --> 01:51:13.880
I thought Dragon played it well,
Dragon has it handy, Dragon uses it

1493
01:51:14.000 --> 01:51:17.800
all every Friday. I still show
you the difference between Florida and Colorado.

1494
01:51:18.239 --> 01:51:23.079
Just share. Imagine Douglas County sheriff
coming out and saying, well, you're

1495
01:51:23.119 --> 01:51:25.600
going to hear this is a real
clip, man, Do you have it?

1496
01:51:25.960 --> 01:51:28.199
Do you have it to tell them? If you value your life,

1497
01:51:28.239 --> 01:51:31.319
you probably shouldn't do that in Polk
County because the people of Polk County like

1498
01:51:31.439 --> 01:51:34.920
guns. They have guns. I
encourage them to own guns, and they're

1499
01:51:34.960 --> 01:51:38.760
going to be in their homes tonight
with their guns loaded. And if you

1500
01:51:38.840 --> 01:51:43.159
try to break into their homes to
steal to set fires, I'm highly recommending

1501
01:51:43.199 --> 01:51:45.920
they blow you back out of the
house with their guns. So the community

1502
01:51:46.319 --> 01:51:53.920
alone love it. Yeah, that
says. Then there's another one about Denver

1503
01:51:54.079 --> 01:51:58.119
County guy coming out and saying that
somebody's breaking in your house here, more

1504
01:51:58.159 --> 01:52:00.640
than welcome to shoot them. In
Santa Rose County, we prefer that you

1505
01:52:00.760 --> 01:52:04.319
do. Actually, hopefully you'll save
the taxpayers money even better. I think,

1506
01:52:04.760 --> 01:52:08.359
honestly, if that was Denver,
you know what they'd say. In

1507
01:52:08.479 --> 01:52:11.920
fact, I think it's going on
in Chicago with like car thefts. They

1508
01:52:11.960 --> 01:52:15.840
were breaking into homes to steal the
car keys. So the cops came out

1509
01:52:15.880 --> 01:52:17.600
and said, the best thing you
can do this is no bs. The

1510
01:52:17.720 --> 01:52:20.640
best thing you can do is leave
your keys out front in a bowl.

1511
01:52:20.960 --> 01:52:26.520
Then they won't break into your house. Yeah, I know, they were

1512
01:52:26.600 --> 01:52:30.920
actually telling you that they gave out. They literally told the public that it's

1513
01:52:31.000 --> 01:52:36.960
insane. I know, I know, you know. Nothing surprises me.

1514
01:52:38.760 --> 01:52:43.640
Okay, So now we're going to
move on to Patty because she's been waiting

1515
01:52:43.680 --> 01:52:47.399
a long time. Patty, go
ahead, Hi, Hi, Patty.

1516
01:52:47.479 --> 01:52:54.119
What's going on? I had a
contractor that was doing from work at my

1517
01:52:54.239 --> 01:53:01.479
house and we had a falling out
and he text I assume he drunk texted

1518
01:53:01.560 --> 01:53:05.840
me because of the way the texts
were coming in. I got twenty seven

1519
01:53:06.039 --> 01:53:12.079
texts from him from eight pm until
four twelve am. So you fired You

1520
01:53:12.239 --> 01:53:15.359
fired him? Right? So well, he kept threatening to come get his

1521
01:53:15.560 --> 01:53:18.239
tools, like you know, I'm
not going to but did you fire him?

1522
01:53:18.279 --> 01:53:21.720
I need to know that that's important. Yeah. So we severed our

1523
01:53:21.960 --> 01:53:27.640
agreement and he came over the next
morning and picked up his tools and was

1524
01:53:27.720 --> 01:53:30.199
stumbling, almost fell over twice.
So that's why I assume he was drunk.

1525
01:53:30.520 --> 01:53:38.880
God it anyway, he and I
was I felt very menaced by these

1526
01:53:39.000 --> 01:53:41.279
text message. Hey, Patty,
I was going to ask you that were

1527
01:53:41.319 --> 01:53:45.840
the texts like like coming onto you
or were they related to the projects?

1528
01:53:45.920 --> 01:53:48.119
No, they weren't. They weren't
an effectual nature at all, nothing like

1529
01:53:48.199 --> 01:53:53.279
that. It was more menacing,
like like like, what give us an

1530
01:53:53.319 --> 01:53:56.079
idea of why all of a sudden
did he start drunk texting? Like?

1531
01:53:56.159 --> 01:54:00.960
What? Okay? So what led
up to this is he kept put you

1532
01:54:00.039 --> 01:54:04.439
know, his you know how most
contractors it always takes twice three times as

1533
01:54:04.479 --> 01:54:09.880
long to do things. Well,
it was the week before week before Christmas,

1534
01:54:10.119 --> 01:54:13.520
and you know, he kept telling
me my bathroom was going to be

1535
01:54:13.600 --> 01:54:17.479
done in time for my Christmas company
to come. And that morning he said,

1536
01:54:17.520 --> 01:54:20.960
oh I should get the floor tile
put in today. And so when

1537
01:54:21.000 --> 01:54:24.760
he left that evening, I said, did the floor tile get put in?

1538
01:54:25.199 --> 01:54:27.680
Oh? No, I didn't get
to that. And I'm like,

1539
01:54:28.359 --> 01:54:30.279
Kevin, you told me it was
going to get done, you know,

1540
01:54:30.600 --> 01:54:33.840
and he went on me okay,
but what was he texting? Let's get

1541
01:54:33.880 --> 01:54:36.960
to that hard said to him.
I said to him, you know,

1542
01:54:38.039 --> 01:54:40.319
I know you're going to be working
hard, but I'm also going to be

1543
01:54:40.399 --> 01:54:44.039
cracking the whip to make sure things
get done. What was the texting about.

1544
01:54:45.279 --> 01:54:47.800
He was very pissed off that I
said, crack the whip. Okay,

1545
01:54:47.960 --> 01:54:50.800
now, Patty, Patty, hold
on a second. I need to

1546
01:54:50.880 --> 01:54:58.159
ask a few things. You mentioned
something about color, Patty. No,

1547
01:54:58.359 --> 01:55:03.439
he's occasion, Patty. I want
to ask you something about the leaning part

1548
01:55:03.479 --> 01:55:10.439
of this. Do you owe him
money? I do? Well? Why

1549
01:55:10.520 --> 01:55:15.159
do you have you paid for what
was done? I feel like I have?

1550
01:55:15.560 --> 01:55:18.760
Yes. Okay, if you can
get an expert to help you value

1551
01:55:18.880 --> 01:55:21.920
what you paid and what you got, that's going to come in handy.

1552
01:55:23.359 --> 01:55:26.600
If the guy puts a lien on
your house, you can't prevent it.

1553
01:55:27.239 --> 01:55:30.640
What you can do is just sit
tight. The lien will go away if

1554
01:55:30.680 --> 01:55:34.960
they don't perfect it, and if
they do try to perfect it, you

1555
01:55:35.119 --> 01:55:39.039
can then use your defense. You
know the defense. You have to get

1556
01:55:39.039 --> 01:55:45.000
it removed. Now, if you
wanted to sell or get a loan before

1557
01:55:45.760 --> 01:55:49.880
this whole mess was settled, you
may have to either bond around it,

1558
01:55:50.359 --> 01:55:56.560
or you could do what's called a
quiet title action to sue him to get

1559
01:55:56.600 --> 01:56:00.159
it removed. So there's a number
of different options. What are you concerned

1560
01:56:00.199 --> 01:56:04.640
about? Do you think he really
will lean the place, I don't know.

1561
01:56:06.600 --> 01:56:10.800
So he's got to send you an
intent to lean. So that's got

1562
01:56:10.880 --> 01:56:14.279
to show it first. It's a
ten day notice. After that, he's

1563
01:56:14.319 --> 01:56:18.359
got four months. He's got four
months to basically perfect a lien and at

1564
01:56:18.439 --> 01:56:23.119
least get a court date and show
up and prove in front of a judge

1565
01:56:23.199 --> 01:56:27.960
that he is right. Then the
lien is sitting there, and really it

1566
01:56:28.000 --> 01:56:31.079
won't go away until you pay it
or sell a property. Okay, so

1567
01:56:31.479 --> 01:56:35.199
I'm writing this down a ten day
notice, which I think he sent me.

1568
01:56:35.319 --> 01:56:39.119
He just sent me an email that
said, no, I don't think

1569
01:56:39.479 --> 01:56:41.960
John. Do you know if an
email works, I sure don't think so

1570
01:56:42.640 --> 01:56:45.319
I would send it. I would
send it by registered mail. Oh but

1571
01:56:45.880 --> 01:56:51.520
he already he already sent you a
notice by email or by mail email.

1572
01:56:51.800 --> 01:56:55.279
He just said, I'm going to
put a lien on your house. I

1573
01:56:55.359 --> 01:56:58.319
wonder if it's still going to give
it. It has the same effect on

1574
01:56:58.359 --> 01:57:00.800
her when he puts a lien on
it, because it's not they're not going

1575
01:57:00.880 --> 01:57:03.359
to ask did you give her attention? It doesn't regardless. So let's say

1576
01:57:03.399 --> 01:57:09.239
that happens. Then what happens is
they had four months from that period of

1577
01:57:09.439 --> 01:57:13.079
time from the last time he was
in your house. When's the last time

1578
01:57:13.159 --> 01:57:19.479
he was in there? December sixteenth
was the last work he did. December

1579
01:57:19.600 --> 01:57:23.760
sixteenth, he picked up his tool
mark. I think his four months to

1580
01:57:23.880 --> 01:57:27.600
file the lean right. No,
No, they have four months, that's

1581
01:57:27.680 --> 01:57:30.560
right, four months to file it
from the last time they were on the

1582
01:57:30.640 --> 01:57:35.600
property, right, and then he
has to perfect it within how much six

1583
01:57:35.680 --> 01:57:42.239
months? Yeah, so he'd have
to start a foreclosure in the six months.

1584
01:57:42.640 --> 01:57:45.079
Doesn't add on to the four months. The six months is from the

1585
01:57:45.239 --> 01:57:50.600
last time he was working at the
property. Now, here's the thing,

1586
01:57:50.960 --> 01:57:59.039
Patty, don't assume you will win
if you're going to represent yourself. And

1587
01:57:59.119 --> 01:58:03.159
here's why. We had a woman
who who had her face ripped off from

1588
01:58:03.159 --> 01:58:08.600
an ugly, disgusting ripoff contract.
It was horrible, horrible, and she

1589
01:58:08.800 --> 01:58:12.960
lost Listen, she lost her home, she sure did. And I was

1590
01:58:13.039 --> 01:58:18.760
in court with her because she insisted
on representing herself. It was horrible.

1591
01:58:19.760 --> 01:58:25.119
They ate her alive, ate or
alive. Yep, And she was right,

1592
01:58:26.039 --> 01:58:29.479
definitely right. I'd been to the
house, there couldn't have been The

1593
01:58:29.720 --> 01:58:34.039
roof literally had some light coming through
it. Yeah, And and the guys

1594
01:58:34.119 --> 01:58:39.760
put a lien on it. But
because she defended herself. Now, Mark

1595
01:58:39.840 --> 01:58:43.880
went there to observe all this.
You're bringing back a bad memory. No,

1596
01:58:44.039 --> 01:58:45.159
no, no, he did.
He went to observe it. Well,

1597
01:58:45.239 --> 01:58:48.000
well, the judge was off base, and that the attorney was off

1598
01:58:48.079 --> 01:58:53.199
base. They were totally off base. John. It was unbelievable, just

1599
01:58:54.199 --> 01:58:58.479
chastised by a judge. And mister
Mark was sitting there. He was sitting

1600
01:58:58.520 --> 01:59:00.479
there. He had every right to
sit there as a friend, every right,

1601
01:59:00.960 --> 01:59:05.319
and they said they accused him of
representing her well and practicing without a

1602
01:59:05.439 --> 01:59:09.880
license. Let me set the tone
though, Tom. What happened was we

1603
01:59:10.079 --> 01:59:13.720
went to lunch break. I went
out and called you live on the air

1604
01:59:14.199 --> 01:59:17.880
talking about what clowns these two attorneys
are. And the judge doesn't seem to

1605
01:59:17.960 --> 01:59:20.399
know what the hell he's doing.
Oh, that never works out, So

1606
01:59:20.560 --> 01:59:24.560
we come back. Yeah, but
the judge had the nerve to tell him

1607
01:59:24.600 --> 01:59:27.800
he's not allowed to talk about this
case on the air. So we come

1608
01:59:27.880 --> 01:59:30.439
back. We come back from n
can issue? Can he issue a gag

1609
01:59:30.600 --> 01:59:34.399
order like that just out of the
blue, Well, when you're sitting in

1610
01:59:34.439 --> 01:59:41.279
front of him, you sure can. I have no idea about the legalities

1611
01:59:41.319 --> 01:59:44.199
of that. I come back.
I would suggest that it's poor form to

1612
01:59:44.279 --> 01:59:46.920
run out in the hallway. There
used to be just hold on. I

1613
01:59:47.039 --> 01:59:50.800
come back in from lunch, and
before they bring the jury back in,

1614
01:59:51.479 --> 01:59:55.439
those guys want to go up and
talk to the judge. So I'm sitting

1615
01:59:55.479 --> 01:59:58.680
there. The three of them were
talking, and all at the same time,

1616
01:59:58.800 --> 02:00:02.800
they look over at me and he
pulls out a recorder in place to

1617
02:00:02.920 --> 02:00:06.640
the judge what I just said on
the air, and the judge went ape

1618
02:00:06.680 --> 02:00:12.920
crap. I can imagine, I
told Tom, he's bailing my ass.

1619
02:00:12.960 --> 02:00:15.239
No, I guess he could.
He could have done it. Officially,

1620
02:00:15.520 --> 02:00:18.680
judges can do a gag order they
think it's in the public interest. But

1621
02:00:18.880 --> 02:00:23.760
that wasn't it. He didn't do
a gag order. He accused you and

1622
02:00:23.920 --> 02:00:27.439
me of practicing law. I wasn't
even in the courtroom. And I get

1623
02:00:27.479 --> 02:00:31.960
a letter saying that we were giving
I was giving opinions on this case on

1624
02:00:32.079 --> 02:00:36.439
the air, and he's saying that
we're trying to represent her, we're practicing

1625
02:00:36.840 --> 02:00:41.600
without a license. The guy was
so full of crap. We by the

1626
02:00:41.640 --> 02:00:45.000
way, they investigated it and dropped
it immediately. Yes, because the judge

1627
02:00:45.079 --> 02:00:49.560
was a moron. But and so
were the attorneys. They were just pissed

1628
02:00:49.640 --> 02:00:55.359
off that we were there to watch
these shenanigans as this woman lost her home.

1629
02:00:56.960 --> 02:01:00.399
Yeah, she walked. She ended
up losing the trial. It was

1630
02:01:00.479 --> 02:01:03.560
a jury trial too. They came
back. She just had no idea.

1631
02:01:03.880 --> 02:01:09.119
She tried to call witnesses, expert
witnesses. She had him there. The

1632
02:01:09.279 --> 02:01:13.520
problem is she didn't do the paper. Yes, so he never did,

1633
02:01:14.159 --> 02:01:18.880
never did her proper civil rules of
procedure, So no prescrue yourself. Oh

1634
02:01:18.960 --> 02:01:24.680
my god, and he cost her
everything. That's horrible. Yup, the

1635
02:01:24.760 --> 02:01:28.720
whole thing was horrible. She had
three or four genuine roofers there that knew

1636
02:01:28.720 --> 02:01:30.880
where they were talking about, pictures, everything. She never turned any of

1637
02:01:30.960 --> 02:01:34.399
the discovery over. So Patty,
you've got to hire if they if he

1638
02:01:34.479 --> 02:01:38.800
puts a lien on the house,
do not try to defend yourself. That

1639
02:01:39.039 --> 02:01:47.239
was the moral of this story.
I need to take this break. Go

1640
02:01:47.399 --> 02:01:51.640
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

1641
02:01:51.680 --> 02:01:59.399
a cent until you're content. Time
for an insurance check up free, no

1642
02:01:59.520 --> 02:02:03.520
obligation in comparison, call Compass insurance
paying too much your coverage at dozens of

1643
02:02:03.560 --> 02:02:08.119
insurance companies. Find out now three
O three seven to seven to one help.

1644
02:02:08.319 --> 02:02:11.840
You'll think you're his only customer when
you choose Frank durand the real estate

1645
02:02:11.960 --> 02:02:15.359
man dot com to list your home
with Remax Alliance three oh three nine two

1646
02:02:15.439 --> 02:02:21.720
zero sixteen twenty two. Hi,
Tom Martino, Patty has a few more

1647
02:02:21.800 --> 02:02:26.319
questions, Kenny, hang on about
your car. And we also have room

1648
02:02:26.359 --> 02:02:29.399
for other calls. And I have
a text for John Uh. Okay,

1649
02:02:29.800 --> 02:02:33.159
Patty, go ahead. You had
a few more questions about a situation with

1650
02:02:33.279 --> 02:02:38.159
the contractor. Go ahead? Ron, What what what did you mean?

1651
02:02:38.239 --> 02:02:42.560
What's meant by perfected? I don't
know, Okay perfected? All that means

1652
02:02:42.680 --> 02:02:48.239
is this a leen is an accusation
that you owe and they preserve the right

1653
02:02:48.439 --> 02:02:54.039
to take it to to freeze your
property. That's all it is. It's

1654
02:02:54.159 --> 02:02:58.079
not a foregone conclusion. It's a
judgment. Basically, they got a win

1655
02:02:58.199 --> 02:03:00.039
in court. No, the lean
is not a judgment. No means an

1656
02:03:00.039 --> 02:03:08.680
accusation. She's a perfection. Perfecting
it would be getting getting that lean into

1657
02:03:08.760 --> 02:03:16.079
a judgment and then for closing.
That's full perfection. Okay, So that

1658
02:03:16.119 --> 02:03:20.479
would include the court proceding and stuff. Yeah, everything, Yeah, okay,

1659
02:03:20.920 --> 02:03:25.159
Now before they can before they can
get a judgment, you would have

1660
02:03:25.239 --> 02:03:28.520
your day in court. John.
It means a little bit different than that.

1661
02:03:28.800 --> 02:03:31.520
It means that they went through the
proper steps to put you on notice

1662
02:03:31.600 --> 02:03:34.640
and then file that lean against your
property. That's really what it means a

1663
02:03:34.640 --> 02:03:39.560
by perfection is that it's actually been
filed and it's a lean that would show

1664
02:03:39.640 --> 02:03:43.800
up on a public record search of
your property. Okay, it's not just

1665
02:03:44.640 --> 02:03:46.439
a facts to you saying hey,
you owe me the money. It's going

1666
02:03:46.479 --> 02:03:50.960
the extra step of actually getting that
thing filed on your property as a lean.

1667
02:03:51.359 --> 02:03:55.479
John, I want to I want
to make this clear though, because

1668
02:03:55.520 --> 02:03:58.199
I want to make sure I have
the right understanding. So if I do

1669
02:03:58.359 --> 02:04:02.720
that, if a contractor does that
and went through the proper procedure, what

1670
02:04:03.000 --> 02:04:06.159
is it called when he goes to
get a judgment. Isn't that called perfecting

1671
02:04:06.199 --> 02:04:10.800
it to or not? Well?
I don't think he needs a judgment to

1672
02:04:10.920 --> 02:04:15.359
actually foreclose on the lean. It
has the same force of laws. He's

1673
02:04:15.439 --> 02:04:17.039
kind of proper, Okay, He's
okay, So no, wait, wait,

1674
02:04:17.119 --> 02:04:20.880
wait, Listen, he's got six
months from the last time, whether

1675
02:04:21.000 --> 02:04:26.560
it's a service or it's supplied there
to actually win in court, is my

1676
02:04:26.880 --> 02:04:29.840
note. But you're right, but
he still has to go through the notice

1677
02:04:29.920 --> 02:04:31.359
and the filing and all that stuff. My point is that when he goes

1678
02:04:31.399 --> 02:04:34.600
through the notice and filing and all
the stuff that the statute requires, then

1679
02:04:34.640 --> 02:04:39.199
it becomes a perfected lian, you
know, ran mechanics, lean, whatever

1680
02:04:39.279 --> 02:04:43.000
it may be. But if he
wants to foreclose that lian, he's just

1681
02:04:43.119 --> 02:04:45.000
like any other lien holder. He
can do that, and then it's up

1682
02:04:45.079 --> 02:04:48.279
to you in a hearing to show
it's not valid. That's exactly right,

1683
02:04:48.560 --> 02:04:53.079
got it. Okay, So you
don't have to get a judgment first and

1684
02:04:53.159 --> 02:04:58.039
then foreclose, correct. Okay.
Now, so what was the four months?

1685
02:04:58.880 --> 02:05:02.319
I think Mark said some in order
to actually place the lean. If

1686
02:05:02.359 --> 02:05:06.319
he waited more than four months from
the end of work, he loses his

1687
02:05:06.600 --> 02:05:12.640
right to place the lean. Okay, but he could be just like we're

1688
02:05:12.680 --> 02:05:15.159
all saying though, he could still
place it. But if you did end

1689
02:05:15.279 --> 02:05:19.239
up in court because he's trying to
cash in on it or foreclothes on the

1690
02:05:19.279 --> 02:05:24.520
property, then your defense would be
it was five months. It's almost like

1691
02:05:24.560 --> 02:05:28.640
a statute of limitations that says you
have to bring an action before two years.

1692
02:05:29.159 --> 02:05:31.079
It's not to say that you can't
walk down to the courthouse and file

1693
02:05:31.079 --> 02:05:35.359
a lawsuit at five years, but
they can immediately file a motion to dismiss

1694
02:05:35.399 --> 02:05:40.520
it because it was after the statute
of limitations. Debt collectors a lot of

1695
02:05:40.600 --> 02:05:45.720
times will realize his statutes run,
but they'll still literally suit somebody, not

1696
02:05:45.000 --> 02:05:48.640
file the paper just to scare,
just to scare them into maybe maybe some

1697
02:05:48.840 --> 02:05:53.720
of them get scared and actually pay
up, so yeah, or or what's

1698
02:05:53.800 --> 02:05:58.920
worse is they get scared and make
a payment and resurrects the entire thing.

1699
02:05:59.039 --> 02:06:03.119
People don't know that. Yeah,
really a debt collector, Let's say it's

1700
02:06:03.159 --> 02:06:08.960
outside of the statue. Let's say
it's five years in one day and they

1701
02:06:09.119 --> 02:06:13.680
call you up and talk you into
paying two dollars on one hundred thousand,

1702
02:06:14.079 --> 02:06:17.600
you owe the whole hundred thousand again. Okay, we have to move on

1703
02:06:17.920 --> 02:06:21.439
to uh, Kenny, go ahead, Kenny, what's going on with you?

1704
02:06:23.880 --> 02:06:26.840
Well, I'm trying to find out
what how do I find out what

1705
02:06:27.039 --> 02:06:33.399
my cars are really worth? Especially
for insurance purposes? Because you know,

1706
02:06:33.600 --> 02:06:38.840
maybe I should just get liability on
them if they're not worth very much KBB

1707
02:06:39.079 --> 02:06:43.239
dot com. Well, there's all
kinds of places to get I mean,

1708
02:06:43.439 --> 02:06:47.239
uh, there's all kinds of places. Even the question itself, Kenny,

1709
02:06:47.279 --> 02:06:50.840
doesn't make any sense. In fact, the insurance companies, Kenny will put

1710
02:06:50.880 --> 02:06:55.439
a value on it. Well,
they will. Well, I guess what

1711
02:06:55.520 --> 02:06:59.600
I'm saying is there's not much point
in having full coverage on it if it

1712
02:06:59.720 --> 02:07:01.680
joining worth a thousand bucks. Okay, Well, let me give you an

1713
02:07:01.720 --> 02:07:06.199
idea, because I already ran your
cars for you. Okay, you asked

1714
02:07:06.239 --> 02:07:15.199
about your cars. Okay. The
eight day Hunday accent ranges from thirty seven

1715
02:07:15.439 --> 02:07:21.199
hundred to seventy five hundred, depending
on the mileage and the condition. Right,

1716
02:07:21.800 --> 02:07:30.479
okay, thirty seven to seventy five. Now, your Corolla ranges from

1717
02:07:31.319 --> 02:07:39.560
sixty three hundred to eleven thousand and
five hundred. There's a big range.

1718
02:07:40.319 --> 02:07:43.479
Now, the average of both of
them last night, it was like six

1719
02:07:43.640 --> 02:07:46.199
hundred dollars to six thousand dollars.
And oh I got to get closer than

1720
02:07:46.239 --> 02:07:51.159
that. The average for the eight
is six grand. The average for the

1721
02:07:51.640 --> 02:07:57.479
Corolla the ten is eighty eight hundred. Hey, Kenny, would you let's

1722
02:07:57.479 --> 02:08:01.159
say they were only worth six hundred
bucks when you would you just get the

1723
02:08:01.279 --> 02:08:05.520
state minimal? Is that what you're
saying. No, he's talking about collision

1724
02:08:05.600 --> 02:08:09.600
coverage. He's not talking about liability. Okay, well, no, the

1725
02:08:09.680 --> 02:08:13.800
state minimums only are for life.
I'm asking Kenny what what he's thinking,

1726
02:08:13.960 --> 02:08:18.600
because it just brings up, you
know, a learning experience with John.

1727
02:08:18.800 --> 02:08:22.399
Yeah, I want to chime in
on this. So, so here's the

1728
02:08:22.640 --> 02:08:24.239
here's the way to look at it. Now. I have a ton of

1729
02:08:24.359 --> 02:08:31.640
cases where where people made this same
exact decision and decided to just get liability.

1730
02:08:31.680 --> 02:08:33.039
And their logic for that is,
well, the car's not worth that

1731
02:08:33.159 --> 02:08:37.039
much and if somebody, if somebody
totals it, then their insurance will buy

1732
02:08:37.079 --> 02:08:43.479
me another car. And that is
a fallacy that that doesn't that rarely plays

1733
02:08:43.560 --> 02:08:46.359
out. Okay, here's the way
I look at it. If if you

1734
02:08:46.520 --> 02:08:52.279
can stand that car just disappearing overnight
and you're not going to be in a

1735
02:08:52.319 --> 02:08:56.039
position where you have no way to
get to work or you have no way

1736
02:08:56.079 --> 02:08:58.560
to go pick your kids up,
I mean, if you truly can just

1737
02:08:58.000 --> 02:09:01.640
write a check and buy the car, then maybe you're a candidate that would

1738
02:09:01.640 --> 02:09:05.000
be okay with liability, But let
me tell you, man, two thirds

1739
02:09:05.039 --> 02:09:09.279
of the people out there on the
road have you know, have just liability

1740
02:09:09.399 --> 02:09:13.640
or no insurance at all. So
you're talking minimal limits and stuff. So

1741
02:09:13.680 --> 02:09:18.720
if your car has value and you're
not in a position to just write a

1742
02:09:18.880 --> 02:09:22.000
check for it in the case of
it disappearing, then I don't think you

1743
02:09:22.079 --> 02:09:26.000
should just you should self andsure you. John change my mind a bit about

1744
02:09:26.079 --> 02:09:28.600
this. I used to recommend if
your car's not worth that much, don't

1745
02:09:28.640 --> 02:09:33.439
spend the money on collision. And
then one day John was on the air

1746
02:09:33.720 --> 02:09:37.920
doing one of his commercials is where
we do the question and answer, and

1747
02:09:37.079 --> 02:09:43.039
he brought out that some of these
older cars are so cheap to buy collision

1748
02:09:43.159 --> 02:09:48.680
for that. Really it is not
a bad idea in some cases because even

1749
02:09:48.800 --> 02:09:52.119
though they're old and not worth much, let's say they're worth five grand,

1750
02:09:52.439 --> 02:09:56.239
well to get collision on that won't
be a lot of money because they're only

1751
02:09:56.279 --> 02:10:01.000
worth five grand. That's exactly right, That's exactly okay, right, So

1752
02:10:01.199 --> 02:10:05.199
I would encourage you to price it
out both ways, Kenny, and actually

1753
02:10:05.279 --> 02:10:09.239
get quotes and find out exactly what
the investment is for that coverage, and

1754
02:10:09.319 --> 02:10:13.600
then compare that to your ability to
just break out a check and buy another

1755
02:10:13.680 --> 02:10:18.840
car overnight so that you're not without
transportation. We're working on it with five

1756
02:10:18.960 --> 02:10:22.720
hundred dollars deductible, thousand dollars deductible
and liability. I gots. My question

1757
02:10:24.039 --> 02:10:26.680
was what are these stupid cars worth? What you just told me was like

1758
02:10:26.840 --> 02:10:31.760
twice as much as what we thought. What we looked up, how many

1759
02:10:31.840 --> 02:10:35.079
miles in your cars? Cars are
worth so much? You got one and

1760
02:10:35.119 --> 02:10:37.479
fifty thousand, Okay, well then
they'd be on the lower end. They

1761
02:10:37.520 --> 02:10:41.800
would be on the lower end.
So as I said, you would be

1762
02:10:41.560 --> 02:10:50.199
probably around six thousand for the Corolla
and you would be around four thousand for

1763
02:10:50.399 --> 02:10:56.239
the Hyundai Accent right, So,
well that gives me something to think about

1764
02:10:56.399 --> 02:11:01.560
and company working on it as well. Now you can always call Compass Insurance.

1765
02:11:01.720 --> 02:11:07.720
We highly recommend Compass Insurance Group.
They're great people and they will do

1766
02:11:07.840 --> 02:11:09.720
a free analysis of what you have
and what it will cost. Three oh

1767
02:11:09.800 --> 02:11:15.880
three nine nine six nine thousand more
coming up. Go with a sure thing

1768
02:11:16.039 --> 02:11:20.439
Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're

1769
02:11:20.479 --> 02:11:28.960
content. Time for an insurance check
up free no obligation comparison call Compass Insurance

1770
02:11:28.159 --> 02:11:33.239
paying too much your coverage at dozens
of insurance companies find out now three oh

1771
02:11:33.319 --> 02:11:37.039
three seven seven to one help.
You'll think you're his only customer when you

1772
02:11:37.159 --> 02:11:41.279
choose Frank durand the real estate man
dot com to list your home with Remax

1773
02:11:41.359 --> 02:12:00.199
Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino or

1774
02:12:00.319 --> 02:12:05.840
troubleshooter three oh three seven to one
three talk three oh three seven one three

1775
02:12:05.840 --> 02:12:11.359
eight two five five John Fuller,
Oh, let me grab this, Anthony.

1776
02:12:11.960 --> 02:12:16.359
What is your issue? Go ahead, Anthony, I'm sorry, say

1777
02:12:16.439 --> 02:12:18.119
that once more. Yeah, what's
going on? Anthony? How can we

1778
02:12:18.199 --> 02:12:22.640
help you? Yeah? I don't
want to take up an awful lot of

1779
02:12:22.680 --> 02:12:26.720
your time if there's not an issue
here. But in October of last year,

1780
02:12:28.760 --> 02:12:33.359
I was being a post I was
replacing a post fence post in my

1781
02:12:33.600 --> 02:12:39.640
yard. I took out an old
post and I dug in the exact same

1782
02:12:39.800 --> 02:12:43.479
spot, only I went a couple
inches deeper. I reckon and I hit

1783
02:12:43.560 --> 02:12:48.279
a gas my gas line. I
did not pull a permit because I was

1784
02:12:48.399 --> 02:12:54.520
pulling an existing post, or I
didn't. I didn't call for lowcase because

1785
02:12:54.560 --> 02:13:00.920
I was digging out an existing post
and would never ever expected to hit my

1786
02:13:01.079 --> 02:13:05.720
gas line or any other line at
any rate. So maybe I don't have

1787
02:13:05.840 --> 02:13:09.159
a leg to stand on here,
but I can tell you. I can

1788
02:13:09.199 --> 02:13:11.720
tell you before you go on,
you don't because locates are not just for

1789
02:13:11.880 --> 02:13:20.279
left and right, they're also for
up and down. Mm hmm, okay,

1790
02:13:20.640 --> 02:13:24.680
I got you. If if here's
here's the way it is, you

1791
02:13:24.920 --> 02:13:31.880
are responsible for anything you hit unless
it's off the easement, and I mean

1792
02:13:31.000 --> 02:13:37.119
way off the easement and they just
haphazardly put it down there. H Is

1793
02:13:37.199 --> 02:13:43.359
it way off the easement? No? No, no, no, they

1794
02:13:43.439 --> 02:13:48.279
got you know what I am.
I'm embarrassed to say it, but I'm

1795
02:13:48.319 --> 02:13:52.119
a contractor myself. How much are
they charging you? Uh? You know

1796
02:13:52.239 --> 02:13:56.640
what they're charging? This is the
issue I'm having if they're charging me.

1797
02:13:58.079 --> 02:14:01.840
It started out at twenty nine hundred. I kind of complained. They dropped

1798
02:14:01.840 --> 02:14:05.119
it down to twenty six hundred dollars
and out of that twenty six hundred dollars,

1799
02:14:05.199 --> 02:14:11.720
twenty four hundred dollars is labor.
Well, that's that's that's true.

1800
02:14:11.520 --> 02:14:16.000
That's true. Honestly, it's kind
of cheap. Guys. Yeah, that's

1801
02:14:16.119 --> 02:14:20.479
true. What makes you surprise that
a gas line would be mostly labor?

1802
02:14:20.600 --> 02:14:24.079
What makes you? I mean,
pipe doesn't cost anything. Didn't the fire

1803
02:14:24.159 --> 02:14:28.159
department show up as well? Oh
yeah, uh huh. Yeah, this

1804
02:14:28.319 --> 02:14:30.600
happened in my house, and let
me tell you, it costs me a

1805
02:14:30.640 --> 02:14:33.920
hell of a lot more than that. Did you did you hit the line

1806
02:14:33.960 --> 02:14:37.720
mark? No? I hired a
guy that did our fence when we first

1807
02:14:37.800 --> 02:14:41.800
moved in. Why didn't he call? He did call. In fact,

1808
02:14:41.880 --> 02:14:43.640
not only did he call, I
called. They came out and marked it.

1809
02:14:45.079 --> 02:14:48.279
The contractor that built my house,
you know, in two thousand and

1810
02:14:48.359 --> 02:14:52.159
one. This happened five years ago. Put the gas line in the completely

1811
02:14:52.279 --> 02:14:56.560
wrong place. Yeah, but that
but that's what a locate does it.

1812
02:14:56.760 --> 02:15:00.319
It tells you where, well the
locate had it one d wrong. It

1813
02:15:00.479 --> 02:15:05.239
wasn't even close. Instead of coming
teeing off of the neighbor behind me and

1814
02:15:05.359 --> 02:15:09.199
coming to my house, they teed
off to the neighbor beside it. But

1815
02:15:09.600 --> 02:15:13.159
hold on, okay, I just
wanted to tell you something. When they

1816
02:15:13.319 --> 02:15:16.399
locate, you know, how they
locate a gas line right, Yeah,

1817
02:15:16.439 --> 02:15:20.079
they have that little machine thing that
tells it too. No, they have

1818
02:15:20.159 --> 02:15:22.760
a tracer wire on all gas line. Yes, and they walk by with

1819
02:15:22.920 --> 02:15:26.399
that like a metal detector or whatever. Well, there's only two things that

1820
02:15:26.479 --> 02:15:30.319
could have gone wrong there. Yeah, their machine was broke or they were

1821
02:15:30.359 --> 02:15:33.800
stupid, or no there was no
trace or wise you totally miss what I

1822
02:15:33.920 --> 02:15:39.000
said. They instead of going from
the house behind me, which was on

1823
02:15:39.159 --> 02:15:43.479
the plans, they went from the
house beside me. They ran two gas

1824
02:15:43.560 --> 02:15:46.359
lines, but only connected one,
so they traced the one that there was

1825
02:15:46.479 --> 02:15:52.520
the bridge to nowhere. Oh,
so they when they traced that, they

1826
02:15:52.640 --> 02:15:56.720
believed, okay, we got your
gaslightly that on the actual plot or whatever

1827
02:15:56.800 --> 02:16:01.479
it's called for my property, that's
off where the gas line is shown.

1828
02:16:01.760 --> 02:16:05.920
So everything was wrong. But my
fence guy hit it with his post till

1829
02:16:05.000 --> 02:16:09.600
digger. The fire department had to
come out. They turned it off.

1830
02:16:09.960 --> 02:16:13.680
And I'm thinking at this time,
because I don't realize what happened with the

1831
02:16:13.760 --> 02:16:16.960
two gas lines, is that his
insurance is going to cover all this and

1832
02:16:18.119 --> 02:16:20.640
he screwed up. But sure enough, after we found out what happened,

1833
02:16:20.680 --> 02:16:24.319
it was my problem. I mean, there was no one from me to

1834
02:16:24.399 --> 02:16:28.279
go after. So you're right because
they thought they thought the locate company thought

1835
02:16:28.319 --> 02:16:33.040
when they located a gas line,
that was your gas line. So now

1836
02:16:33.319 --> 02:16:35.920
it cost me about forty five hundred. The part I remember about it more

1837
02:16:35.959 --> 02:16:41.959
than anything was it was about a
thousand bucks in gas. A thousand bucks

1838
02:16:43.040 --> 02:16:46.120
in gas. But they said,
we're lucky the whole place didn't blow up.

1839
02:16:46.319 --> 02:16:50.440
So Anthony, you're gonna have to
pay it. You understand, right,

1840
02:16:52.879 --> 02:16:56.360
Well, let me ask you one
real quick question and then I'm gonna

1841
02:16:56.399 --> 02:16:58.639
let it go on. Yeah,
gladly, I will, yes, yes,

1842
02:16:58.760 --> 02:17:03.879
yes, I did get kind of
a breakout of their costs and their

1843
02:17:05.079 --> 02:17:09.719
and their per their employees. And
they call them fitters, Anthony. They're

1844
02:17:09.760 --> 02:17:13.479
gonna bill you whatever they want to. Hold on, Hold on, Anthony,

1845
02:17:13.319 --> 02:17:16.200
why do you think what are you
gonna save by nichol and diming this

1846
02:17:16.319 --> 02:17:18.520
bill? What are you going to
say? Tell me what you dispute?

1847
02:17:18.600 --> 02:17:24.399
Go ahead? They built. This
happened in October of last month. I'm

1848
02:17:24.479 --> 02:17:31.000
being built five hours or in uh, I'm building being built five hours in

1849
02:17:31.120 --> 02:17:35.600
December. Also, I don't get
that part. I have no idea what

1850
02:17:35.719 --> 02:17:37.159
that is. What do you mean
five hours in December. What did they

1851
02:17:37.200 --> 02:17:41.920
do in December? I have no
clue, That's what I want to know.

1852
02:17:41.280 --> 02:17:43.760
Well, ask them. I have
no clue either. I mean,

1853
02:17:45.239 --> 02:17:50.399
when did the break happen in October? Okay, they they must have come

1854
02:17:50.479 --> 02:17:54.200
out in December to do something,
but just ask them. Listen. They're

1855
02:17:54.239 --> 02:17:58.680
not looking to make a big profit
on this deal. They really aren't.

1856
02:17:58.079 --> 02:18:01.799
I would just ask, what did
you do in December? I thought you

1857
02:18:01.959 --> 02:18:03.879
just came out once and fixed it. That That's what I would do.

1858
02:18:05.000 --> 02:18:09.280
We got more coming right up.
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1859
02:18:09.479 --> 02:18:16.600
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pay a cent until you're content. Time

1860
02:18:16.639 --> 02:18:20.079
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obligation. In comparison, call Compass Insurance

1861
02:18:20.280 --> 02:18:24.399
paying too much your coverage at dozens
of insurance companies find out now three oh

1862
02:18:24.440 --> 02:18:28.120
three seven to seven to one help. You'll think you're his only customer when

1863
02:18:28.120 --> 02:18:31.840
you choose Frank durand the real estate
Man dot com to list your home with

1864
02:18:33.000 --> 02:18:43.159
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Archino,

1865
02:18:43.239 --> 02:18:48.280
you're a troubleshooter. Three oh three
seven one three talk seven one three

1866
02:18:48.280 --> 02:18:52.719
eight two five to five, Kent, what about your toe bill? What's

1867
02:18:52.760 --> 02:18:54.719
going on? If it's too long, we're gonna have to continue it.

1868
02:18:54.799 --> 02:18:58.399
What's going on, bro? Try
to make it real quick. First time

1869
02:18:58.479 --> 02:19:03.319
call, I appreciate it to thank
you. Breast lane outside authorized access zone

1870
02:19:03.959 --> 02:19:09.559
and I'm in a rental car brought
in from Arizona and I never even knew

1871
02:19:09.559 --> 02:19:13.239
about it. They have twenty days
they're contest it. I paid whenever I

1872
02:19:13.360 --> 02:19:18.360
have that happen, immediately pay it. But this one's seventy five bucks and

1873
02:19:18.399 --> 02:19:20.879
it pops up to one hundred and
Yeah, you were crossing the lines,

1874
02:19:22.000 --> 02:19:24.200
brother, you were playing Lucy Goose. It went through a rental car,

1875
02:19:24.360 --> 02:19:28.920
so he said he would have paid
it. They pick it up. Yes,

1876
02:19:30.639 --> 02:19:33.200
I actually paid for it, but
no, but because it took so

1877
02:19:33.440 --> 02:19:37.920
long, it's more than you would
have paid normally double. Yes, yeah,

1878
02:19:39.040 --> 02:19:43.479
that makes sense. You only get
that period of time and never never

1879
02:19:43.559 --> 02:19:46.079
knew about it. It's pretty new. They only pass that now. Hold

1880
02:19:46.159 --> 02:19:50.680
on, it's not long. Ken. Kent's not even disputing that part.

1881
02:19:50.760 --> 02:19:54.440
He's just feeding the fact that the
rental car company took so long to get

1882
02:19:54.479 --> 02:19:56.760
to it. Is that right?
I don't think that matters. Well,

1883
02:19:58.319 --> 02:20:01.959
well, they have to. You
give it to the corporate and then corporate

1884
02:20:01.000 --> 02:20:05.000
gets in touch with it, right, So that's right. So I don't

1885
02:20:05.079 --> 02:20:09.200
think I think that's on you right
now. I think that even though it's

1886
02:20:09.280 --> 02:20:13.520
more than it normally would be,
you're trying to make the argument it wouldn't

1887
02:20:13.559 --> 02:20:16.760
have been had they done it quicker, or I would make the argument he

1888
02:20:16.840 --> 02:20:18.760
should have told the rental car company
when he brought it back what he did

1889
02:20:18.840 --> 02:20:22.399
then. Yeah, but no matter
what, even if he did, it

1890
02:20:22.479 --> 02:20:26.360
would have never been paid on time. Yeah, that's the way all rental

1891
02:20:26.440 --> 02:20:31.479
cars though. That's the way it
works, except in California. The Orange

1892
02:20:31.520 --> 02:20:37.879
County toll Roads and California toll roads
have an account that you log onto that

1893
02:20:37.680 --> 02:20:43.280
gets associated. It's a long story. You can go on within seven days.

1894
02:20:43.719 --> 02:20:48.159
So when I get home from California, I go on and simply pay

1895
02:20:48.600 --> 02:20:52.079
whatever I racked up. It's a
weird system, but you don't have to

1896
02:20:52.440 --> 02:20:56.600
you don't have to wait, and
they don't have that system here. So

1897
02:20:56.840 --> 02:21:01.840
did you guys see where if you
drive into Manhattan, now, fifteen bucks?

1898
02:21:01.680 --> 02:21:07.159
Tom, Can you believe it?
What? Fifteen bucks just to drive

1899
02:21:07.239 --> 02:21:11.200
there? To drive into Manhattan.
Oh well, fifteen bucks. Nothing surprises

1900
02:21:11.280 --> 02:21:16.440
me anymore. Hey, John Fuller, really quickly here. I don't know

1901
02:21:16.479 --> 02:21:18.680
if we even have time. But
if somebody's fixing somebody wants to know.

1902
02:21:18.719 --> 02:21:22.399
If somebody's fixing his car up my
house in the garage and it falls off

1903
02:21:22.440 --> 02:21:26.120
the jack and hits his leg,
can he put a claim into my homeowner's

1904
02:21:26.200 --> 02:21:35.520
policy or sue me? You know
he's gonna have to. Yeah, I

1905
02:21:35.600 --> 02:21:39.440
mean you can put a claim in
for anything, whether or not they pay

1906
02:21:39.479 --> 02:21:41.680
it. I think it's going to
be a different analysis. Some of it

1907
02:21:41.799 --> 02:21:46.840
may go back to that premises liability
stuff that we talked about before, and

1908
02:21:46.399 --> 02:21:52.040
you know, the owner's awareness of
the dangerous condition becomes an issue. So

1909
02:21:52.559 --> 02:21:54.680
I don't know how successful that would
be, but they can always put a

1910
02:21:54.760 --> 02:21:58.920
claim in, John Fuller, my
accident lawyer, dot co O. Remember

1911
02:22:00.440 --> 02:22:01.520
three O three Martino