WEBVTT 1 00:00:00.720 --> 00:00:13.720 Yeah, ripped, you need advice? Who you don't have? Come running 2 00:00:13.960 --> 00:00:19.920 just as fast as we can. Show Shooter's gonna help. Come man, 3 00:00:20.120 --> 00:00:34.520 this is the Troubleshooter Show now, Tom Martinez, welcome, Welcome to the 4 00:00:34.560 --> 00:00:36.799 show, the only show of it's kin. We're here to solve problems, 5 00:00:36.799 --> 00:00:43.520 answer questions, take complaints. Where's Tommy Shannon? Tom Shannon? What remember 6 00:00:43.560 --> 00:00:47.399 Tom Shannon Edward TV Tom Shannon, No, yes, no, actually I 7 00:00:47.439 --> 00:00:49.679 don't. But here's the deal. We're here to help you out to the 8 00:00:49.719 --> 00:00:55.240 tune of over three hundred million dollars in exchanges and refunds and cash and you 9 00:00:55.320 --> 00:00:59.280 pretty much name it services. We're here to protect you. We're here to 10 00:00:59.359 --> 00:01:03.679 help you. In the phone number simple three zero three seven one three eight 11 00:01:03.679 --> 00:01:07.280 two five five three zero three Martino, Please don't forget that number works on 12 00:01:08.120 --> 00:01:11.640 and off the air. What does that mean? That means you can call 13 00:01:11.719 --> 00:01:15.920 us anytime. We'll either answer the phone or we'll call you back and try 14 00:01:15.920 --> 00:01:19.920 to help you out. It looks like Shelley's got an ish. Hey, 15 00:01:19.959 --> 00:01:23.280 you don't even you didn't even know I was here. I was sitting here 16 00:01:23.319 --> 00:01:26.359 and you were lying. Hey, if you're lying on Dick, Hey, 17 00:01:26.400 --> 00:01:30.680 listen, you think Shannon would have had the courtesy to say, oh, 18 00:01:30.760 --> 00:01:33.280 you're on the air, or you got a minute to go worse? You 19 00:01:33.319 --> 00:01:36.959 know what, after forty five years, You're right, Shannon should have reminded 20 00:01:36.959 --> 00:01:41.359 you, No, we're sitting here shooting the breeze. Oh, thank you 21 00:01:41.480 --> 00:01:45.480 very much. You know what, I'm going to do a lawsuit on agism 22 00:01:45.599 --> 00:01:49.319 and Biden's going to be my co defend my co plankin anyway, Go ahead, 23 00:01:49.319 --> 00:01:53.040 Mark, you were taking Do you know what happened with Shelley? I 24 00:01:53.120 --> 00:01:56.000 have no idea. It's his flood damage. It must have happened after I 25 00:01:56.120 --> 00:02:00.640 dropped off here. Now Shelley is Shelley the one? Oh this is the 26 00:02:00.680 --> 00:02:04.840 crazy one. Listen to this, Mark, because you were you were away 27 00:02:04.879 --> 00:02:07.280 when I think I first soke this call, but I'll take Shelley. Are 28 00:02:07.280 --> 00:02:12.080 you there? Yeah, I'm here. I want I brought up. I 29 00:02:12.120 --> 00:02:16.080 have two people. I want to talk to two experts because this baffles me. 30 00:02:16.840 --> 00:02:23.479 And first I'm going to bring up Compass Insurance Group. Then I want 31 00:02:23.520 --> 00:02:28.199 to bring up Matt with Paragon Services. He's a public adjuster. Actually I 32 00:02:28.240 --> 00:02:31.639 do remember this. I looked at her paperwork. Now this is the one. 33 00:02:32.000 --> 00:02:36.360 This is the one she signed the claim over no contractor no, no, 34 00:02:36.439 --> 00:02:38.960 that's not the settlement. There's two of them talking about you're right though, 35 00:02:39.159 --> 00:02:44.639 that is one very close to this. It's another weird situation. But 36 00:02:44.879 --> 00:02:49.240 Shelley is the one that has a condo and she was called saying you got 37 00:02:49.280 --> 00:02:52.240 to get home, there's an emergency. She goes home. They had turned 38 00:02:52.240 --> 00:02:54.240 off the water and I want everyone to listen. In fact, I'm going 39 00:02:54.319 --> 00:02:59.080 to bring up Jeremy. Are you listening, Jeremy? I am all right. 40 00:02:59.159 --> 00:03:02.039 So she gets there, they had turned off the water and it turns 41 00:03:02.159 --> 00:03:07.879 out that in her if you picture a mechanical closet, her water heater is 42 00:03:07.919 --> 00:03:15.000 in there, but behind the dry wall. Not at her water heater, 43 00:03:15.400 --> 00:03:22.560 but behind the dry wall where her water heater pipes go into the wall. 44 00:03:23.560 --> 00:03:30.520 Somewhere in there a pipe failed. Now, Shelley, I wanted to ask 45 00:03:30.560 --> 00:03:38.479 you something. Was this pipe exclusively feeding your water heater or water supply or 46 00:03:38.759 --> 00:03:45.039 was it common to any other units? Someone asked me that say, that's 47 00:03:45.080 --> 00:03:47.039 another I have no idea, like I said, okay, all right, 48 00:03:47.039 --> 00:03:53.800 now, so here's what happened. Here's what happened. They told her come 49 00:03:53.840 --> 00:03:55.520 home. She came home, she let the plumber, and no one could 50 00:03:55.520 --> 00:04:00.479 find anything. Eventually, a guy came opened up the and found a broke. 51 00:04:01.080 --> 00:04:06.000 Was it broken or cracked or corrona was corroded? Corroded? Yeah, 52 00:04:06.080 --> 00:04:12.639 so listen to this, Jeremy the hoa. Oh no. The management company 53 00:04:12.680 --> 00:04:18.639 calls in a restoration company. The restoration company drives up a bill of about 54 00:04:18.959 --> 00:04:23.639 how much was it, Shelley, thirty grand or more? Two thousand and 55 00:04:23.920 --> 00:04:30.279 no itemization whatsoever. And the company they called in was one of their subsidiaries. 56 00:04:30.560 --> 00:04:34.800 Now, okay, so Shelley says, I have insurance. I'm going 57 00:04:34.879 --> 00:04:40.920 to turn it into my insurance because they came after her for thirty grand. 58 00:04:41.399 --> 00:04:45.240 So I have a number of questions. So she submits it to her insurance 59 00:04:45.279 --> 00:04:49.680 company, who says, we're not covering this based on one invoice for thirty 60 00:04:49.720 --> 00:04:54.199 grand. All right, I mean that was it. I mean one invoice 61 00:04:54.399 --> 00:04:58.839 for thirty grand. That's all they had, and it had no itemization whatsoever. 62 00:04:59.160 --> 00:05:03.839 First, my very first question to you, do insurance companies want itemization? 63 00:05:05.319 --> 00:05:10.439 Oh? Absolutely, Okay, that's not unusual. That's not unusual. 64 00:05:10.720 --> 00:05:15.000 Even though she has a sucky company. It's not unusual for State Farm or 65 00:05:15.079 --> 00:05:18.399 any company to ask for itemization. I thought so, and I'm yeah, 66 00:05:18.480 --> 00:05:24.279 that's the standard now. But my next question more important than this. I 67 00:05:24.519 --> 00:05:31.759 thought condo owners can only be responsible from the drywall in. No, they're 68 00:05:31.879 --> 00:05:38.000 responsible to fix the damage from the drywall in so, regardless of where the 69 00:05:38.800 --> 00:05:44.800 water comes from or whatever, their responsibility is to ensure the drywall in so 70 00:05:44.839 --> 00:05:48.040 that it would be appropriate for her to use the State Farm policy her HO 71 00:05:48.120 --> 00:05:53.160 six for the downstairs condo as well for the other condo as well, even 72 00:05:53.199 --> 00:05:58.480 though she there was no negligence or part it was just an accident. They're 73 00:05:58.519 --> 00:06:02.079 not she is respond possible for that because the pipe was feeding her condo. 74 00:06:03.360 --> 00:06:06.199 It doesn't matter if the pipe was feeding her condo or not. She could 75 00:06:06.240 --> 00:06:12.920 have an upstairs neighbor who ran the baptub and forgot it was running and it 76 00:06:12.959 --> 00:06:18.240 pours into her house or to her unit if she's successful in using the upstairs 77 00:06:18.240 --> 00:06:23.480 person's insurance through the liability. But great, but that's probably not going to 78 00:06:23.519 --> 00:06:26.680 happen initie. No, but that's not what I was asking. I get 79 00:06:26.720 --> 00:06:30.279 you, Jeremy. You're saying her insurance will cover her no matter the cause. 80 00:06:30.839 --> 00:06:35.079 What I'm asking this is about her liability. They're popping her for thirty 81 00:06:35.199 --> 00:06:40.319 grand in repairs, not to her apartment, to the one below her. 82 00:06:40.759 --> 00:06:46.560 They're saying to her, you destroyed or caused damage to the condo common area 83 00:06:47.000 --> 00:06:54.519 and the condo below you. So they want thirty grand and she's and I 84 00:06:54.600 --> 00:07:00.879 want to know is that so or would that be the hoa's coverage. I 85 00:07:00.959 --> 00:07:04.519 feel that would be the hoa's or the other unit owners for their so the 86 00:07:04.600 --> 00:07:11.759 common the damage to the common own property would be the hoa's and the individual 87 00:07:11.879 --> 00:07:15.720 unit owner's damage that's not hers would be their HOA or their ho six. 88 00:07:16.360 --> 00:07:21.560 If they feel she's responsible, they can subrogate or try to sebrogate her insurance, 89 00:07:21.600 --> 00:07:26.399 but there's no way her insurance policy is going to take the liability for 90 00:07:26.480 --> 00:07:30.040 that. That's what we're talking about right now. That's what we were talking 91 00:07:30.040 --> 00:07:34.160 about. State Farm says, give us an itemized bill of the cleanup for 92 00:07:34.240 --> 00:07:40.240 the condo down below and the repair, and we not the repair, just 93 00:07:40.279 --> 00:07:46.199 the cleanup, and we will consider paying it. But I'm asking you, 94 00:07:46.439 --> 00:07:51.560 if the break happened inside the drywall wouldn't that more than likely be the HOA 95 00:07:51.720 --> 00:07:58.519 coverage? Absolutely? Why are they denying it, Shelley? When you said 96 00:07:58.600 --> 00:08:03.399 way, what about the HOA insurance? What do they say? They said 97 00:08:03.480 --> 00:08:05.959 no? They said, why are we going to pay for your what happened 98 00:08:07.000 --> 00:08:09.519 in your unit? Because I've tried, but it didn't happen in your unit 99 00:08:09.600 --> 00:08:13.040 by any definition I've said. So, now I'm going to bring up Matt 100 00:08:13.839 --> 00:08:20.439 Stanford with Paragon Services. He is on our referral list at referralsts dot com. 101 00:08:20.720 --> 00:08:24.720 He is a public adjuster for those listening. Public adjusters work for you 102 00:08:26.120 --> 00:08:31.240 against your own insurance or other insurance companies that are unfair. Matt, how 103 00:08:31.240 --> 00:08:35.080 do you weigh in on this? Having heard this? Well, the first 104 00:08:35.159 --> 00:08:39.840 question I had was that type in a perimeter wall or an interior is it 105 00:08:39.399 --> 00:08:46.440 actually inside your unit? Oh? Okay, good idea. So, Shelley, 106 00:08:46.519 --> 00:08:48.720 if you poked a hole through that wall, does it come out on 107 00:08:48.759 --> 00:08:54.240 the other side to your unit or is it a is it a wall going 108 00:08:54.279 --> 00:09:00.600 into common area? I believe it would probably go into my closet. So 109 00:09:00.679 --> 00:09:05.200 the wall is between your closet and your laundry room, so that would be 110 00:09:05.320 --> 00:09:09.600 her problem. I don't know, Jeremy, would they consider that her unit 111 00:09:09.720 --> 00:09:16.639 or would they consider that inside the drywall, it would still be her unit 112 00:09:16.799 --> 00:09:20.519 if if it's enclosed within her unit, even if it's behind the drywall. 113 00:09:20.559 --> 00:09:24.919 But I would still make the argument should not liable for the other damage. 114 00:09:26.679 --> 00:09:33.679 If the other the HOA and the other unit's insurance wants to go after State 115 00:09:33.720 --> 00:09:37.519 Farm in this case and subrogate, then they can do that. But by 116 00:09:37.559 --> 00:09:41.000 nomen But Jeremy, I don't I don't understand this. If she took an 117 00:09:41.080 --> 00:09:46.600 axe and started cutting into her drywall between her kitchen and the closet and cause 118 00:09:46.679 --> 00:09:50.679 this leak and flooded the apartment under her, the townhome or whatever it is 119 00:09:50.759 --> 00:09:54.279 under her, that wouldn't be. That's not her problem. Yes it is, 120 00:09:54.320 --> 00:09:58.399 that would be, of course, that would be she'd intentionally have done 121 00:09:58.440 --> 00:10:01.879 it. But even if she, what I'm saying is if it froze or 122 00:10:01.919 --> 00:10:05.600 something along those that, I don't see how it's the HOA under this circumstance. 123 00:10:05.919 --> 00:10:11.799 Well, what he's saying is she's she wasn't negligent or liable and it 124 00:10:11.360 --> 00:10:18.080 just broke and it was inside the wall, and everyone has their own liability 125 00:10:18.440 --> 00:10:22.080 the person down below has their own liability. Shelley has her own liability, 126 00:10:22.399 --> 00:10:26.639 and the HOA should have some kind of insurance, And he's saying if they 127 00:10:28.120 --> 00:10:33.840 shouldn't come after her personally, they can have their insurance company sue State Farm. 128 00:10:33.799 --> 00:10:39.480 Correct. Everyone's responsible to ensure the physical damage of their property, the 129 00:10:39.679 --> 00:10:43.639 HOA and all the individual unit owners. So if there's damage to that physical 130 00:10:43.879 --> 00:10:48.360 if there's physical damage to their units, their policies are going to pay that. 131 00:10:48.639 --> 00:10:52.399 If they feel that the where the source of the water came from was 132 00:10:52.480 --> 00:10:58.120 negligent, then they could subrogate back to her if State Farm's willing to pay 133 00:10:58.519 --> 00:11:03.799 some of that liability costs for cleanup for other units. That's, in my 134 00:11:03.879 --> 00:11:07.799 opinion, that's above and beyond what we would typically see because the difference is 135 00:11:07.840 --> 00:11:13.399 she didn't she didn't purposely cause that, and you know, things leak. 136 00:11:13.559 --> 00:11:18.159 That's pretty common in any capared condo type living. So, Matt, you've 137 00:11:18.200 --> 00:11:24.600 handled probably similar situations or not. Yeah, definitely. So to weigh in 138 00:11:24.639 --> 00:11:28.360 on this, you said, now that you know the walls between her closet 139 00:11:28.440 --> 00:11:31.960 and her mechanical room, the pipe went up inside that wall. It was 140 00:11:33.000 --> 00:11:35.480 not exposed to her. There was no way for her to know anything was 141 00:11:35.519 --> 00:11:39.840 wrong. It went bad, and now they want her to pay for all 142 00:11:39.960 --> 00:11:46.240 damages in addition to our own. Yeah, and she actually had damage to 143 00:11:46.279 --> 00:11:48.879 her unit as well? Or did it just the water slip through the wall. 144 00:11:48.960 --> 00:11:52.320 Good question, Shelley. Did you have damage to your own unit? 145 00:11:52.960 --> 00:11:56.480 Yeah? I had just a little bit. I mean, not not much. 146 00:11:56.679 --> 00:11:58.559 That this is where State farmed they I mean, they have stuff that 147 00:11:58.679 --> 00:12:03.320 says it's like trash, that's what they say that they want it broke down 148 00:12:03.480 --> 00:12:07.399 by units. What was my damage? What was the downstairs damage down? 149 00:12:07.440 --> 00:12:11.559 For see? Maybe State Farm wants that broken down. Maybe State Farm wants 150 00:12:11.639 --> 00:12:18.919 that broken down because they don't plan on paying other than your unit. Yeah, 151 00:12:18.000 --> 00:12:20.639 I mean, and this has already been two years, almost a year 152 00:12:20.679 --> 00:12:24.679 and a half. Well, they can't file suit, now, can they. 153 00:12:24.159 --> 00:12:33.840 Jeremy liability is different than her being able to file a claim audation on 154 00:12:33.879 --> 00:12:39.200 that is, Matt, what would you do well if I was Shelley in 155 00:12:39.240 --> 00:12:43.440 this situation, I would have Number One, the mitigation company can't just write 156 00:12:43.960 --> 00:12:48.679 an invoice on a cocktail. They did ope for the best, they did, 157 00:12:48.919 --> 00:12:52.919 they wrote one. It's ridiculous. What they wrote down. So that's 158 00:12:54.240 --> 00:12:56.600 a big glaring issue. They need if they're expecting to get paid anything, 159 00:12:56.600 --> 00:13:00.639 they need to itemize. Break it down. Square footage is water logs, 160 00:13:00.679 --> 00:13:03.919 all the data. The problem is, they did get paid. Here's why 161 00:13:03.200 --> 00:13:09.600 the management company hired them. Listen to this. The management company hired them. 162 00:13:09.679 --> 00:13:13.759 They were a subsidiary of the management company, and the management company paid 163 00:13:13.759 --> 00:13:18.879 them in full, and then the HOA fired the management company. Oh lord, 164 00:13:20.360 --> 00:13:24.320 yeah, so they've been paid and they're gone. So now it's come 165 00:13:24.360 --> 00:13:28.320 down to basically who's paying for the low Now the HOA says, hey, 166 00:13:28.720 --> 00:13:31.000 we paid, we want to be reimbursed. I don't think they have a 167 00:13:31.080 --> 00:13:35.240 leg to stand on, and that's why I don't think they filed a suit 168 00:13:35.279 --> 00:13:39.759 against Shelley. I agree. I think, you know, I can step 169 00:13:39.799 --> 00:13:41.600 in and as an act of good faith on state farms part. I think 170 00:13:41.639 --> 00:13:48.240 if we just break this down further documenting everything, maybe they would consider covering 171 00:13:48.440 --> 00:13:52.840 the common area and the unit below and then subrogates, you know, against 172 00:13:52.039 --> 00:13:56.240 DHOA. I think that's the cleanest path. But again, this is getting 173 00:13:56.279 --> 00:14:00.000 a little messy. It might be time for an attorney to take a look. 174 00:14:00.480 --> 00:14:03.039 I know, I know, and that's but but I appreciate all of 175 00:14:03.039 --> 00:14:07.120 you weighing in. Shelley. I'm gonna give you some recommendations right now. 176 00:14:07.519 --> 00:14:11.200 Why don't you call Matt, Just talk to him off the air and maybe 177 00:14:11.279 --> 00:14:15.840 let him see your policy and stuff. Just just call him because even if 178 00:14:15.840 --> 00:14:18.399 he doesn't take a case, he can just talk to you about it. 179 00:14:18.799 --> 00:14:26.320 Paragonservices dot com. Here's the number. Seven one nine seven two six zero 180 00:14:26.519 --> 00:14:33.960 zero two zero, Kachina, can you make sure she gets that? Go 181 00:14:33.120 --> 00:14:37.360 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 182 00:14:37.360 --> 00:14:45.159 a cent until you're content. Time for an insurance check up free, no 183 00:14:45.240 --> 00:14:50.159 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 184 00:14:50.159 --> 00:14:54.240 of insurance companies find out now three oh three seven seven one help. You'll 185 00:14:54.279 --> 00:14:58.080 think you're his only customer when you choose Frank durand the real estate Man dot 186 00:14:58.120 --> 00:15:01.320 com to list your home with re Max Alliance three all three nine two zero 187 00:15:01.480 --> 00:15:09.759 sixteen twenty two. Hi Tom Martina out here at three O three seven one 188 00:15:09.840 --> 00:15:13.200 three talks seven one three eight two five five waterpros dot net The best water 189 00:15:13.279 --> 00:15:16.519 systems, the lowest prices, drinking water all you can drink at the kitchen 190 00:15:16.559 --> 00:15:24.559 sink, filtered reverse osmosis, fourteen hundred fully installed waterpros dot net, Ben 191 00:15:24.039 --> 00:15:28.919 Ben, Benben, what's going on? Uh? I believe Mark forwarded me 192 00:15:30.000 --> 00:15:31.919 this email he read it. Isn't this the one you sent to me? 193 00:15:33.039 --> 00:15:37.759 Mark? This is about Titans Solar again. They went out of business. 194 00:15:39.320 --> 00:15:43.120 Wow. And you know, we we were predicting that these were bad people 195 00:15:43.159 --> 00:15:46.919 from the beginning. They lied to us. Remember they said they were gonna 196 00:15:46.919 --> 00:15:48.480 come on air and just give us a day to look at it and blah 197 00:15:48.519 --> 00:15:52.960 blah blah. Well hold on, that was another company to a local. 198 00:15:52.159 --> 00:15:56.360 Uh, I don't know of this, pretty sure Titan said that as well. 199 00:15:56.559 --> 00:16:00.240 Okay, So anyway, uh, what do we do now? And 200 00:16:00.279 --> 00:16:03.679 I wanted to get Brooke on from Red Rocks, Roof and Solar, but 201 00:16:03.799 --> 00:16:07.879 her plane was delayed. She was supposed to be here today. So Ben, 202 00:16:08.039 --> 00:16:14.279 tell your story though, because this is pretty outrageous. Tell your story, 203 00:16:14.399 --> 00:16:17.840 let me bring Yeah, you're up, go ahead, sir. Hey, 204 00:16:17.879 --> 00:16:22.440 thanks Tom. This is kind of a cautionary tale too. Titan Solar 205 00:16:22.720 --> 00:16:26.360 had a representative call me. I was interested in Solar about three years ago. 206 00:16:26.799 --> 00:16:30.440 And you know, they may believe made me believe it was best thing 207 00:16:30.480 --> 00:16:36.120 since life bread and there, well, well, solar done right can be 208 00:16:36.240 --> 00:16:41.159 very good for you. So you did this three years ago. Three years 209 00:16:41.159 --> 00:16:47.200 ago, yes, but it took a year to actually get a contractor to 210 00:16:47.279 --> 00:16:52.679 upgrade my electrical panel. I had one hundred and twenty kill what panel and 211 00:16:52.679 --> 00:16:56.480 they needed to upgrade it a lot higher than that for Solar, and Titan 212 00:16:56.559 --> 00:17:00.919 was taking care of all that. They had a contractor who was supposed to 213 00:17:00.919 --> 00:17:06.440 show up. They never showed up. And a year after that they finally 214 00:17:06.480 --> 00:17:08.519 got a contractor to upbraded the panel and I was able to turn it on 215 00:17:08.759 --> 00:17:14.599 basically the same day, and it's actually worked pretty well since. And then 216 00:17:14.640 --> 00:17:18.640 I get this email from Solar Edge, who does the monitoring, saying Titan 217 00:17:18.759 --> 00:17:23.279 Solar close their doors and we'd like to take over the warranty on the equipment, 218 00:17:23.680 --> 00:17:30.240 but not the labor. So now the original warranty was for labor, 219 00:17:30.759 --> 00:17:37.039 The original warranty was for panels and labor, okay, And the new company 220 00:17:37.079 --> 00:17:41.599 says we'll take it over, but only for material only for the product. 221 00:17:42.720 --> 00:17:48.400 That's correct, and the reason they want the reason they'll do that and by 222 00:17:48.400 --> 00:17:52.920 the way, anyone can do that. That's why because they but they won't 223 00:17:52.920 --> 00:17:56.000 do the labor because the labor is the thing that costs them. They're going 224 00:17:56.039 --> 00:18:02.759 to get reinbursed from the company. Absolutely. What components do you have? 225 00:18:03.000 --> 00:18:07.920 What components do you have? Oh, I've got the inverter, I've got 226 00:18:07.920 --> 00:18:11.720 the panel. But no, what's the name of the company? Solar Edge 227 00:18:12.000 --> 00:18:17.680 And solar Edge is good for how long on the warranty? Twenty years? 228 00:18:17.960 --> 00:18:22.279 So that's good. Solar Edge will probably stand behind that equipment. Yeah, 229 00:18:22.359 --> 00:18:26.720 I just have to pay for the labor. My question is what do I 230 00:18:26.759 --> 00:18:30.240 do with the loan if the company's out of business? Who am I paying 231 00:18:30.279 --> 00:18:34.160 all this money to the loan through Titan? Right? The the loan, 232 00:18:34.480 --> 00:18:38.880 These people loans you the money. The stuff's on your roof. You can't 233 00:18:38.920 --> 00:18:44.480 just stop paying it. No, I can't. And it's actually serviced by 234 00:18:44.519 --> 00:18:47.559 a company called Goodly. Yeah, but yeah, I understand that, and 235 00:18:47.599 --> 00:18:51.559 that is a legit company. What I'm asking you is this, If the 236 00:18:51.640 --> 00:18:56.599 materials were paid for with a loan, and the materials are on your roof, 237 00:18:56.839 --> 00:19:02.720 yeah, and they're functioning, why do you feel that you can. 238 00:19:03.039 --> 00:19:07.960 That's like saying I bought a car, I went to my bank and I 239 00:19:07.039 --> 00:19:11.839 got a loan, and the manufacturer of the car went out of business. 240 00:19:11.839 --> 00:19:15.319 Do I still have to pay off my car loan? Yeah? No, 241 00:19:15.440 --> 00:19:19.759 And I understand that I fully expected to have to pay off this loan for 242 00:19:19.799 --> 00:19:25.960 the next twenty years or so. I was just wondering if there was any 243 00:19:26.039 --> 00:19:30.240 recourse or anything. I didn't think there was. There's not a recourse against 244 00:19:30.279 --> 00:19:37.880 the lender once the system is activated. If the system never got activated or 245 00:19:37.920 --> 00:19:41.440 they walked away from the job, you do have some recourse. Again, 246 00:19:41.519 --> 00:19:45.440 I don't know if you would in this scenario though, But no, because 247 00:19:45.559 --> 00:19:48.680 it's activated, it's done. No. No, no, I'm saying when 248 00:19:48.680 --> 00:19:52.960 the company goes out of business, they can't. I mean, the credit 249 00:19:52.039 --> 00:19:56.680 union or whoever it is doesn't even have recourse the bank. But had it 250 00:19:56.759 --> 00:20:00.480 not been I'll bet you this mark. Had they gone out of business and 251 00:20:00.519 --> 00:20:03.880 not done one liquor work, I think he would have had a right to 252 00:20:03.920 --> 00:20:07.319 cancel that loan. And they would have had, you know, the let 253 00:20:07.559 --> 00:20:11.519 with the with the solar business. I remember Brooke telling me that, oh, 254 00:20:11.559 --> 00:20:15.440 by far, I agree with you. They have to get it going. 255 00:20:15.559 --> 00:20:19.240 Yeah, So since it was activated, Ben, the only downside, 256 00:20:19.359 --> 00:20:26.359 the only loss you now have is is possible labor on a warranty repair. 257 00:20:26.880 --> 00:20:33.960 But really, what solar doesn't need a lot of warranty work, And if 258 00:20:33.960 --> 00:20:37.400 it's a result of damage from storms, your insurance is going to cover that. 259 00:20:37.920 --> 00:20:41.119 So I don't see a lot of exposure for you, especially if the 260 00:20:41.160 --> 00:20:47.200 system is working. And by the way, is it working. It is 261 00:20:47.279 --> 00:20:49.880 working, and it's working well in the summertime. In the winter time, 262 00:20:49.920 --> 00:20:53.160 of course, you know, sun goes in and out. Everybody knows that 263 00:20:55.200 --> 00:20:57.400 with snow and stuff like that. Do you have battery backups or do you 264 00:20:57.480 --> 00:21:03.039 have a way to store when the sun out in the winter. Unfortunately, 265 00:21:03.079 --> 00:21:07.400 when I had the panels installed, battery backup was not an option, at 266 00:21:07.480 --> 00:21:11.240 least not through Titan. How long ago do you have it done? Three 267 00:21:11.319 --> 00:21:15.000 years? Okay, you're lucky it was done. Hold on a second, 268 00:21:15.039 --> 00:21:18.799 though, there's a comment, Adam, you have a comment for Ben or 269 00:21:18.839 --> 00:21:22.640 for us? Go ahead? Yeah, I used your referral list and I 270 00:21:22.720 --> 00:21:27.759 got the same Titan panels through Mark Schamansky. Right, yeah, and that's 271 00:21:27.759 --> 00:21:32.119 where a Titan came in and he was the one installing all them panels. 272 00:21:32.480 --> 00:21:33.920 Well, he wasn't the one. He wasn't the only one. There were 273 00:21:33.960 --> 00:21:38.359 a ton of people installing them. Yeah, and I got the same email 274 00:21:38.400 --> 00:21:42.680 that they're going out of business and we got to find someone else to warranty, 275 00:21:42.920 --> 00:21:48.920 right because Titan just I mean, Titan was more of the actual, 276 00:21:49.680 --> 00:21:53.240 uh what do you call the fulfiller of the contract. And then there were 277 00:21:53.279 --> 00:21:57.519 different sales organizations like you said, Mark, and there were a ton of 278 00:21:57.559 --> 00:22:03.400 different companies. Here's what it says about it. Titan managed the installations while 279 00:22:03.440 --> 00:22:10.079 the dealers focused on sales, right, right, right. And here's something 280 00:22:10.119 --> 00:22:14.079 I read that's uh, I'd never put this together. One of the reasons 281 00:22:14.119 --> 00:22:21.000 these solar companies are falling off the earth very quickly is interest rates, because 282 00:22:21.039 --> 00:22:26.039 they have to float when grants come in and when tax credits come in if 283 00:22:26.039 --> 00:22:30.119 they're going to be the ones that getting the tax credits. And when interest 284 00:22:30.480 --> 00:22:36.400 rates went so high that demand for cash flow each month got crushed and a 285 00:22:36.440 --> 00:22:38.640 lot of them just couldn't you just couldn't stay in business. And they're saying 286 00:22:38.880 --> 00:22:44.079 that was part of the issue with Titan. Uh huh, and one of 287 00:22:44.160 --> 00:22:47.680 the largest in the country. By the way, Now, Mark the one 288 00:22:47.680 --> 00:22:51.680 that you were one of the ones you were talking about though, Mark and 289 00:22:51.680 --> 00:22:56.039 and Ben. Like I said, if you do need service, though, 290 00:22:56.359 --> 00:23:00.640 I would definitely call Red Rocks Roof and so well, we've got two on 291 00:23:00.680 --> 00:23:06.160 our referral lists that both will work on any sense. Probid Energy dot com. 292 00:23:06.160 --> 00:23:11.319 Pro Bid Energy is a good company as well, and so Probidenergy dot 293 00:23:11.359 --> 00:23:14.880 Com. Okay, that's one. They do the sales, the service, 294 00:23:14.920 --> 00:23:18.839 the installation and the warranty work. Now, Red Rocks Roof and Solar is 295 00:23:18.920 --> 00:23:25.759 Redrocks rs dot com both good companies. Now, Mark that problem that you 296 00:23:25.839 --> 00:23:29.519 were talking about. I looked up real quick, listen to this one too. 297 00:23:29.599 --> 00:23:33.160 This is from a website called solar Ensure that just talks about the industry. 298 00:23:33.559 --> 00:23:38.440 What the other nail in the coffin was they're talking about the disconnect between 299 00:23:38.559 --> 00:23:47.559 sales promises and installation realities. Really strained Titans resources because they would hope these 300 00:23:47.599 --> 00:23:51.200 other companies are doing their part, but the salespeople would be out there, 301 00:23:51.319 --> 00:23:55.519 you know, promising everything in the world, and that simply wasn't the way. 302 00:23:55.559 --> 00:23:57.839 It is. Same thing we've been preaching forever. You want a solar 303 00:23:57.880 --> 00:24:02.720 company that does its own sales, its own service, its own warranties. 304 00:24:02.920 --> 00:24:07.079 It's its own company, not someone that's one cog in the entire wheel. 305 00:24:07.440 --> 00:24:11.799 Exactly. That's exactly right. And by the way, the one you were 306 00:24:11.799 --> 00:24:15.480 talking about earlier, Mark, I looked it up. It was Valor Roofing 307 00:24:15.559 --> 00:24:19.319 locally, but they were selling a company called One Solar, so on Solar. 308 00:24:19.480 --> 00:24:23.599 One Solar did the installations, Valor Roofing did the sales. They both 309 00:24:23.759 --> 00:24:29.240 suck. They both left these consumers high and dry. And I just want 310 00:24:29.240 --> 00:24:33.720 to put out a warning about Valor Roofing and construction and also about One Solar. 311 00:24:33.960 --> 00:24:42.920 They're a bad company. Go with a sure thing Denver's Best roofer Excel 312 00:24:44.039 --> 00:24:49.799 Roofing dot com. You don't pay a cent until you're content. Time for 313 00:24:49.839 --> 00:24:56.319 an insurance checkup, free no obligation comparison call Compass Insurance paying too much your 314 00:24:56.359 --> 00:25:00.480 coverage at dozens of insurance companies find out now three oh three and seven to 315 00:25:00.519 --> 00:25:03.240 one help. You'll think you're his only customer when you choose Frank durand the 316 00:25:03.319 --> 00:25:07.880 real estate Man dot com to list your home with Remax Alliance three oh three 317 00:25:07.960 --> 00:25:17.759 nine two zero sixteen twenty two. Hey, Tom Martino here three O three 318 00:25:18.440 --> 00:25:22.759 seven one three talks seven one three eight two five to five. Hey, 319 00:25:22.319 --> 00:25:27.440 listen eight eight eight heating dot Com for accurate, honest assessments of your AC 320 00:25:27.559 --> 00:25:33.400 in this heat or any issue with plumbing an electric as well. That's eight 321 00:25:33.519 --> 00:25:37.079 eight eight Heating dot Com. We know Garrett very well. You can depend 322 00:25:37.119 --> 00:25:41.319 on him now and his company. Now listen, Uh, Randy, I'm 323 00:25:41.319 --> 00:25:44.720 gonna go to Edgar's been waiting, But Randy has a quick comment on this 324 00:25:44.880 --> 00:25:49.319 pipe situation Shelley. In Shelley's apartment, there's a wall between her closet and 325 00:25:49.359 --> 00:25:55.279 her laundry room. Inside the wall of pipe broke. It caused damage downstairs. 326 00:25:55.319 --> 00:25:59.960 The management company hired one of their own companies to the one of the 327 00:26:00.160 --> 00:26:06.160 subsidiaries to fix everything and pay them in full without a detailed invoice. And 328 00:26:06.200 --> 00:26:10.720 now they expect Shelley to pony up the money for these repairs. And our 329 00:26:10.759 --> 00:26:14.960 guy said, listen, she's not necessarily liable. Each one has their own 330 00:26:15.000 --> 00:26:18.920 liability insurance and they should leave it at that. What did you want to 331 00:26:18.960 --> 00:26:23.079 say, Randy? Yes, I work in the fire alarm trade and some 332 00:26:23.200 --> 00:26:27.240 in these buildings when they're being built, and I would say ninety percent of 333 00:26:27.279 --> 00:26:33.400 the time, they curate the condo building with exact four floor plans stacked on 334 00:26:33.440 --> 00:26:38.640 top of each other, and they do vertical pipe runs that service all three 335 00:26:38.720 --> 00:26:42.880 floors, all three sets of bathrooms or kitchens are all done so that they're 336 00:26:42.960 --> 00:26:48.920 single vertical drops coming down. It's very rare. Why you're right about that, 337 00:26:48.039 --> 00:26:52.440 Randy. It seems weird that there would be one home run pipe feeding 338 00:26:52.559 --> 00:26:57.599 her condo. They rarely do that. She would know obviously if she has 339 00:26:57.640 --> 00:27:03.359 a water meter dead hated to her unit. That's a very good point. 340 00:27:03.720 --> 00:27:07.359 And how would they and so how the hell do they just pick one section 341 00:27:07.440 --> 00:27:11.119 of that pipe and say it's her problem, right, because it could be 342 00:27:11.119 --> 00:27:14.920 feeding the third floor too, if she's got a condo above her, and 343 00:27:14.960 --> 00:27:22.200 therefore it is it is a public or a common run for the building exactly. 344 00:27:22.480 --> 00:27:25.559 What we just need to ask her if she gets a water bill based 345 00:27:25.599 --> 00:27:30.519 on metering or is it the exact same amount every month or something exactly, 346 00:27:30.559 --> 00:27:33.960 and then if if it isn't, if she doesn't, and it's it's done. 347 00:27:33.000 --> 00:27:37.240 Like all these condos do square footage, they have one meter for the 348 00:27:37.240 --> 00:27:41.000 building and they dole out of these. Okay, we're gonna we're gonna find 349 00:27:41.000 --> 00:27:45.039 that out, Randy, Thank you so much. I love my listeners. 350 00:27:45.079 --> 00:27:48.079 I tell you they're smart people. Uh, even though Mark's not Edgar, 351 00:27:48.319 --> 00:27:59.160 what's going on? Can y'all hear me? Yes, sir? Anyway, 352 00:27:59.000 --> 00:28:03.279 my deal was with a Fender vendor that I had, So, okay, 353 00:28:04.000 --> 00:28:10.559 let's let's talk about it happened, Edgar. So I was pulling into a 354 00:28:10.599 --> 00:28:14.680 parking lot, and uh, you have the storefronts on one side and then 355 00:28:14.759 --> 00:28:21.680 parking spots on in front of the storefronts and across the parking lot of the 356 00:28:21.759 --> 00:28:27.519 storefront. So I'm pulling into the parking lot and it is a pretty tight 357 00:28:27.599 --> 00:28:32.880 space. So I went past my parking spot where I was gonna intend to 358 00:28:32.960 --> 00:28:37.680 park, and back into my parking spot. As I'm backing up into my 359 00:28:37.799 --> 00:28:42.240 parking spot, I noticed another car backing out and it wasn't stopping. So 360 00:28:42.319 --> 00:28:48.759 I was about halfway through parking and then I got I got pretty much it 361 00:28:48.799 --> 00:28:55.079 would be like I got t bone. You mean the other car did not 362 00:28:55.240 --> 00:29:02.119 even look in their rear view mirror or their camera. Obviously not no they 363 00:29:02.160 --> 00:29:04.599 didn't. So at that point we kind of got out, you know, 364 00:29:04.720 --> 00:29:08.039 we we got out, and she just said, you know what, I 365 00:29:08.079 --> 00:29:12.400 didn't I didn't see you there, so you know, I went ahead and 366 00:29:12.960 --> 00:29:18.240 got all her information. She apologized. She was says she never, uh, 367 00:29:18.240 --> 00:29:22.920 I've kind of been in an accident before and whatnot. So was this 368 00:29:22.359 --> 00:29:27.599 was this an older person? It was then she was in her probably I 369 00:29:27.599 --> 00:29:33.440 don't know, late thirties, early forties. Okay, So then what so 370 00:29:33.640 --> 00:29:37.759 after that, you know, we exchanged information. We really didn't really exchange 371 00:29:37.799 --> 00:29:44.079 information. She she apologized because she says she didn't see nobody in the rear 372 00:29:44.119 --> 00:29:47.400 area. But you say, but you did. You did get her insurance 373 00:29:47.400 --> 00:29:51.640 and all that, right, I did. So here's where the here's where 374 00:29:51.680 --> 00:29:56.519 I'm the reason why I'm calling you. Because her insurance. I contacted her 375 00:29:56.599 --> 00:30:04.519 insurance. I also contacted my insurance, and they said that they felt that 376 00:30:04.680 --> 00:30:11.680 I was also at fault. So they only want to pay me eighty percent 377 00:30:11.720 --> 00:30:14.319 of the demog You know what I was going to say, Now, listen 378 00:30:14.960 --> 00:30:18.200 here, let me explain this to you real quickly. But you gotta hold 379 00:30:18.240 --> 00:30:21.440 on because this is a really important discussion and it's going to happen more and 380 00:30:21.519 --> 00:30:26.400 more. So just hang on, I'll come right back to you. Go 381 00:30:26.519 --> 00:30:30.759 with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay 382 00:30:30.759 --> 00:30:38.160 a cent until you're content. Time for an insurance checkup free, no obligation 383 00:30:38.200 --> 00:30:44.119 in comparison, call Compass insurance paying too much your coverage at dozens of insurance 384 00:30:44.160 --> 00:30:47.240 companies find out now three all three seven to seven to one. Help. 385 00:30:47.400 --> 00:30:51.240 You'll think you're his only customer when you choose Frank durand the real estate Man 386 00:30:51.279 --> 00:30:55.720 dot com to list your home with Remax Alliance three all three nine two zero 387 00:30:55.880 --> 00:31:02.480 sixteen twenty two. Tom Martino here, Welcome to the show. One Clear 388 00:31:02.559 --> 00:31:07.880 Choice Garage Doors the company you want. One Clear Choice Doors dot Com. 389 00:31:07.920 --> 00:31:11.359 All of their prices fully disclosed. A great company for your doors. Every 390 00:31:11.400 --> 00:31:17.279 need, Openers, Panels, Hinges, Hindbolts, and as I said, 391 00:31:17.279 --> 00:31:19.599 their prices are on the website. When it comes to garage doors, one 392 00:31:19.680 --> 00:31:26.640 clear choice doores dot Com. All right, So we have Edgar with this 393 00:31:26.799 --> 00:31:33.119 accident, and what he is experiencing is something called comparative negligence. Now here's 394 00:31:33.160 --> 00:31:38.079 what insurance companies started doing a few years ago, they started going into an 395 00:31:38.119 --> 00:31:45.720 accident saying, well, yeah, our insured is responsible for most of it 396 00:31:47.000 --> 00:31:52.359 or some of it, but you're also comparatively negligent for some of it. 397 00:31:52.759 --> 00:32:01.039 Therefore, they make offers sixty seventy eight percent and here's the deal. Can 398 00:32:01.079 --> 00:32:07.160 you get around it? Well, in most cases, I believe comparative negligence 399 00:32:07.880 --> 00:32:12.839 is a sham. When you were describing your case to me, and you 400 00:32:12.880 --> 00:32:15.680 may not like me for this, Edgar, but it's not like I'm going 401 00:32:15.720 --> 00:32:20.079 to call the company and tell them this. I do believe there's some comparative 402 00:32:20.119 --> 00:32:23.839 negligence when you see a car pulling out and you think, well, they're 403 00:32:23.880 --> 00:32:28.440 not stopping or whatever. Did you beep your horn loudly? Did you try 404 00:32:28.440 --> 00:32:31.720 to get out of there? Did you do anything to mitigate the circumstances. 405 00:32:31.960 --> 00:32:37.880 That's why they're saying you're twenty percent liable. Twenty percent is a pretty small 406 00:32:37.920 --> 00:32:43.440 amount. Now, if you don't like that, and you truly believe that 407 00:32:43.599 --> 00:32:47.640 you had no negligence in this whatsoever, you don't have to accept what they're 408 00:32:47.640 --> 00:32:53.759 offering. You can simply put in. You can simply refuse it and sue 409 00:32:53.839 --> 00:33:01.880 the other driver for your damages most likely how much how much in damage do 410 00:33:01.960 --> 00:33:08.119 you have right now? Is just under I mean I haven't took it to 411 00:33:08.160 --> 00:33:13.440 a body shop or anything, but from the pictures that I submitted through through 412 00:33:13.480 --> 00:33:19.160 the through the other person's UH insurance, it's under one thousand dollars. Oh 413 00:33:19.240 --> 00:33:28.440 my goodness that the entire damage is under a thousand on your door. Yeah, 414 00:33:28.480 --> 00:33:32.480 well, it's the door and it basically in between both doors. That's 415 00:33:32.480 --> 00:33:36.279 where I suffer. I mean most of the damages on the door, but 416 00:33:37.599 --> 00:33:39.200 I don't know if the frames meant so I really have to paint it. 417 00:33:39.519 --> 00:33:43.440 Wait wait, wait, the frame wouldn't be bent on a slow speed. 418 00:33:43.519 --> 00:33:45.400 I mean she was just backing out. She wasn't jamming. It was she. 419 00:33:47.240 --> 00:33:52.480 I mean when I when she impacted me, I mean she's still kind 420 00:33:52.480 --> 00:33:57.359 of pushed it a little bit. So that's kind of where I where I 421 00:33:57.400 --> 00:34:00.400 feel that I wasn't at fault. I mean I backed up. I've seen 422 00:34:00.400 --> 00:34:07.000 her backing up. I I mean I stopped and she just kept going. 423 00:34:07.839 --> 00:34:10.960 Did you lay on the marn you know what? I pushed on my steering 424 00:34:10.960 --> 00:34:16.039 wheel. I could not hit the buttons on. I couldn't. It happened 425 00:34:16.079 --> 00:34:20.719 so quick. You know that's we're being honest. Listen, here's the deal. 426 00:34:21.199 --> 00:34:22.960 You may want to take her to court for all. First of all, 427 00:34:23.360 --> 00:34:28.920 you need to get this loss estimated. I don't know of any damage 428 00:34:29.079 --> 00:34:30.800 that would be a thought under one thousand dollars. None. I can think 429 00:34:30.800 --> 00:34:36.960 of not one thing that can happen on your car unless no paint is involved 430 00:34:37.199 --> 00:34:39.679 and it's in the center of your door panel where a paintless dent repair can 431 00:34:39.719 --> 00:34:45.280 fix it. Is it creased or is paint damaged? Yes, yeah, 432 00:34:45.320 --> 00:34:50.039 I mean there's nothing under one thousand dollars. Who told you that that was 433 00:34:50.119 --> 00:34:52.719 the other insurance Well, don't don't believe her insurance company. First, go 434 00:34:52.760 --> 00:34:57.760 and get it estimated for real, and then take her to small claims court 435 00:34:57.800 --> 00:35:00.280 directly. If it's under seventy five hundred, which it should be, you 436 00:35:00.280 --> 00:35:05.519 don't have to accept it or negotiate a better settlement, although I do think 437 00:35:05.639 --> 00:35:09.760 you're probably partially liable. We have more coming up on the Troubleshooter Show three 438 00:35:09.760 --> 00:35:14.159 O three seven, one three eight, two five five or three oh three 439 00:35:14.199 --> 00:35:21.400 Martino Go with a sure thing Denver's Best Roofer Excel Roofing dot Com. You 440 00:35:21.400 --> 00:35:28.599 don't pay a cent until you're content. Time for an insurance checkup free no 441 00:35:28.679 --> 00:35:34.599 obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies. 442 00:35:34.679 --> 00:35:37.679 Find out now three oh three seven to seven to one help. You'll 443 00:35:37.719 --> 00:35:40.559 think you're his only customer when you choose Frank durand the real estate Man dot 444 00:35:40.559 --> 00:35:45.280 Com to list your home with Remax Alliance three oh three nine two zero sixteen 445 00:35:45.360 --> 00:36:00.880 twenty two d news. You don't have room running just as snap as we 446 00:36:01.119 --> 00:36:08.920 can. Shooter's gonna help coming man. This is the Troubleshooter Show. No 447 00:36:09.519 --> 00:36:15.280 Tom Martino, Hi, Tom Martino here, Welcome to the show. Three 448 00:36:15.320 --> 00:36:20.880 all three seven one three talk seven one three eight two five five Welcome. 449 00:36:20.920 --> 00:36:23.119 How are you doing? By the way, renew Home Innovations will do a 450 00:36:23.159 --> 00:36:29.599 beautiful shower for you from that old ugly you know what I call them shoves? 451 00:36:29.920 --> 00:36:32.119 Think about that shower tub SHUBs, you know the kind you step over, 452 00:36:32.159 --> 00:36:36.199 the ones in hotel rooms. That you have these shower curtains or doors, 453 00:36:36.239 --> 00:36:38.480 and you have them at your house right, get rid of them in 454 00:36:38.480 --> 00:36:44.719 two or three days. Renew Home Innovations will put in a beautiful stone system 455 00:36:44.760 --> 00:36:50.280 wall with no maintenance, glass panels, no thresholds, perimeter drains, benches, 456 00:36:50.320 --> 00:36:53.599 grab bars, whatever you want. And if you're running for president, 457 00:36:53.679 --> 00:36:57.840 they can even you can even use them with walkers and wheelchairs. You don't 458 00:36:57.840 --> 00:37:04.519 even have to stumble over anything. Renew Home Innovations seventy two months to pay 459 00:37:04.519 --> 00:37:07.679 with no interest. We have to have just a little more respect there, 460 00:37:07.719 --> 00:37:12.280 Shannon. When I mentioned the president, Yes, sir, the president of 461 00:37:12.320 --> 00:37:15.239 this here United States. George. By the way, after George, we 462 00:37:15.280 --> 00:37:16.880 have open lines for the first time this morning, So get your calls in 463 00:37:17.400 --> 00:37:22.679 and hey, George, what's happening? Hello, Tom, what's going I'm 464 00:37:22.719 --> 00:37:29.000 in I've got a vehicles that I got out from a neighbor across the street. 465 00:37:28.559 --> 00:37:31.760 You bought it from your neighbor. Pardon did you say you bought a 466 00:37:31.840 --> 00:37:36.599 vehicle from your neighbor. Oh, I'm trying to Okay, Okay, I've 467 00:37:36.599 --> 00:37:42.719 given her like four thousand dollars. She did send me the title. Now, 468 00:37:42.760 --> 00:37:45.039 when you say you gave her four grand, do you have any kind 469 00:37:45.039 --> 00:37:49.519 of a written agreement here? No, just all verbal and you just gave 470 00:37:49.559 --> 00:37:53.480 her four grand? Well, because she is in Hawaii, okay. She 471 00:37:53.639 --> 00:37:58.039 called me up wanted to borrow five hundred dollars because she didn't have any money. 472 00:37:58.320 --> 00:38:00.760 Okay, okay, Now she said, okay, I'll sell you the 473 00:38:00.800 --> 00:38:06.599 car. So she said, can you send me a thousand? So I 474 00:38:06.639 --> 00:38:10.159 sent her a thousand. She calls back, I need another thousand. Uh 475 00:38:10.280 --> 00:38:14.800 uh, I give her. I'll tell you I've got about four thousand into 476 00:38:14.840 --> 00:38:16.119 it. Now hold on it, drug addict. Well, I mean, 477 00:38:16.159 --> 00:38:20.239 why is she asking for money cans? Are you sure? First of all, 478 00:38:20.239 --> 00:38:22.599 are you sure it's her? Oh? Yeah, okay, So what 479 00:38:22.719 --> 00:38:28.880 happened? Now? Go ahead? So she is in hawi. She requested 480 00:38:28.960 --> 00:38:32.320 money up front, right right, So I didn't want to give her more 481 00:38:32.360 --> 00:38:37.639 than twenty percent down. How much is this car worth? Well, she 482 00:38:37.719 --> 00:38:39.639 says she I can have it for fifteen and I think it goes for like 483 00:38:39.719 --> 00:38:47.719 twenty five. Really, what kind of is it? It's a twenty sixteen 484 00:38:50.760 --> 00:38:53.800 Lexus RX three fifty. Oh that's not bad for that price. Yeah, 485 00:38:53.840 --> 00:38:59.079 it's got only got twenty thousand miles on it. Okay. So she requested 486 00:38:59.119 --> 00:39:04.360 money up front on a fifteen thousand dollars purchase. Okay, and you paid, 487 00:39:04.599 --> 00:39:07.239 You've paid so far you've paid four grand? Yeah, okay, so 488 00:39:07.280 --> 00:39:12.559 what's your question? Okay, she did send me the title? Oh good, 489 00:39:12.840 --> 00:39:16.280 Okay, Well that's a bad partner. Uh. Oh where she signed 490 00:39:16.280 --> 00:39:22.960 it? Part of her signature went in the old Domini reading square. Yeah, 491 00:39:22.559 --> 00:39:28.079 and the motor vehicle won't accept it because of so I think it can 492 00:39:28.119 --> 00:39:30.880 be in there just the old Domina reading nothing else. Oh come on, 493 00:39:31.639 --> 00:39:36.440 well are you? So? What do they wait? So what is their 494 00:39:36.519 --> 00:39:43.440 solution? You get a duplicate title? Correct, and well, she doesn't 495 00:39:43.440 --> 00:39:49.280 have an ID to get a duplicate title through the state of Colorado. So 496 00:39:49.320 --> 00:39:55.599 I set her five copies to make me a power attorney. So she has 497 00:39:55.639 --> 00:40:00.280 to do a sign it, have it notari and send them back to me. 498 00:40:01.480 --> 00:40:06.360 I says, she doesn't have an ID, she can't do it. 499 00:40:08.880 --> 00:40:15.119 Yeah, I'm just wondering if there's a lawyer and get it? Well, 500 00:40:14.920 --> 00:40:19.079 all this or a lawyer is not going to help. I mean, you 501 00:40:19.079 --> 00:40:22.159 can spend money on a lawyer. What I mean is this, What would 502 00:40:22.159 --> 00:40:24.119 you want to do with a lawyer that you can't do on your own? 503 00:40:24.480 --> 00:40:28.280 Like if you want to sue her, that's different. You want to get 504 00:40:28.280 --> 00:40:32.880 your money back, right, Well, that's different. Is she refusing to 505 00:40:32.920 --> 00:40:37.719 give your money back. I've asked for her, no response, and I 506 00:40:37.760 --> 00:40:45.400 can't even get in touch with her anymore. Yeah, you're text her all 507 00:40:45.440 --> 00:40:52.079 that stuff and no response. So she will not give you a power of 508 00:40:52.119 --> 00:40:58.840 attorney. But even with the power of attorney you're representing her, that doesn't 509 00:40:58.880 --> 00:41:02.840 mean she can. She still needs an ID, right, Why doesn't she 510 00:41:02.960 --> 00:41:08.199 have an ID? Well, I guess she got a DUI in Hawaii, 511 00:41:08.480 --> 00:41:13.119 wrecked a car and all this stuff. How long has she been in Hawaii? 512 00:41:14.760 --> 00:41:17.920 I think since twenty twenty one, So this car has been sitting what 513 00:41:19.119 --> 00:41:22.000 out there? Well, I was in her garage across the street from me. 514 00:41:22.239 --> 00:41:25.480 Do you have the car right now? It's been in my garage since 515 00:41:27.559 --> 00:41:35.079 last October? Oh my god, I don't know. I don't know what 516 00:41:35.119 --> 00:41:37.880 to tell you. Man. You know, get I get the she lost 517 00:41:37.920 --> 00:41:40.280 her license because of the duy. But I mean, does she physically have 518 00:41:40.360 --> 00:41:44.559 it as an ID. No, she doesn't have no idea at all. 519 00:41:46.440 --> 00:41:50.920 Man, If she was in Colorado, you could go down to DGE a 520 00:41:51.000 --> 00:41:54.039 card. Yeah, but but but she would still need something to get the 521 00:41:54.079 --> 00:41:59.960 card. Yeah, that's true. Yeah, so she doesn't have a burst 522 00:42:00.000 --> 00:42:02.639 cergnificate. She doesn't have a passport, she doesn't have anything. Well she 523 00:42:02.719 --> 00:42:10.400 did, she does have a passport, but it expired. God almighty. 524 00:42:10.880 --> 00:42:14.880 I mean when she sold the house the street from me, that's the only 525 00:42:14.920 --> 00:42:20.519 thing that saved their expired but the minute, so she actually sold the house 526 00:42:20.559 --> 00:42:23.840 and no longer lives there. Correct, That's why she hasn't been house on 527 00:42:23.880 --> 00:42:29.400 them for any more money. You could have put a lien on that before 528 00:42:29.480 --> 00:42:31.760 this all happened. Hey, go back to the title real quick. What's 529 00:42:31.800 --> 00:42:36.280 in that box? What does it have instead of the odometer reading? No, 530 00:42:36.280 --> 00:42:38.840 no, it has the odometer? Does it have the odometer too? 531 00:42:39.880 --> 00:42:45.440 Yeah? I wrote that in? But what else is it? Did you 532 00:42:45.599 --> 00:42:49.119 try for the hele it for the hell of it? Did you try going 533 00:42:49.199 --> 00:42:54.199 to another DMV and just not what I was going? I did, But 534 00:42:54.320 --> 00:43:00.559 the first time we went in there, my wife gave the person her ID. 535 00:43:00.519 --> 00:43:05.880 So they flagged her. You know what I mean? They flagged who? 536 00:43:06.599 --> 00:43:10.840 They flagged my wife? Why? Because we're trying to get the title. 537 00:43:12.760 --> 00:43:17.079 What do you mean they flagged her? Yeah, we didn't get another 538 00:43:17.559 --> 00:43:24.239 title. It was our record that she was trying to do. I would 539 00:43:24.280 --> 00:43:28.400 guess when they pull up that vin Tom, when they pull up the vin 540 00:43:28.400 --> 00:43:35.679 from that someone flagged in there, that the title's no good right exactly. 541 00:43:35.760 --> 00:43:40.679 And the only way to get a duplicate title is to get this woman to 542 00:43:40.760 --> 00:43:45.679 get an ID, then to apply for it, then to send it to 543 00:43:45.719 --> 00:43:51.239 you. Correct. Yeah, and easily enough. She's in Hawaii. What's 544 00:43:51.239 --> 00:43:57.760 that? Yeah, she's in Hawaii? Right. I don't know what to 545 00:43:57.880 --> 00:43:59.960 tell you, man, I mean, I don't know how it to turn. 546 00:44:00.039 --> 00:44:01.880 He's gonna help you, I mean, I mean, I mean you 547 00:44:01.920 --> 00:44:07.239 could, you could, like you got it. You have to sew her, 548 00:44:07.280 --> 00:44:09.000 and I don't know. Can you sew her? Here? Is she? 549 00:44:09.000 --> 00:44:13.679 She not even she's not even a resident here anymore? Is she? 550 00:44:16.119 --> 00:44:22.639 Can you argue the transaction was done here? I don't know. You want 551 00:44:22.639 --> 00:44:25.960 to go on? But it's still I mean it's still still she's still got 552 00:44:25.960 --> 00:44:30.000 to have an ID. No, but he can get his four grand back. 553 00:44:32.760 --> 00:44:37.960 I highly doubt this woman has any money. She just sold her house. 554 00:44:37.400 --> 00:44:43.639 Yeah, the house was paid for what she sold it got it? 555 00:44:43.760 --> 00:44:49.079 Do you know what it sold for? Hawaii? Also, what does she 556 00:44:49.159 --> 00:44:53.519 do for work? Well, she used to be an insurance but she hasn't 557 00:44:53.559 --> 00:45:00.599 worked and probably eight years. Well, what's even if you even if you 558 00:45:00.679 --> 00:45:04.760 went to Hawaii, the problem would still be she needs to come back to 559 00:45:04.840 --> 00:45:09.119 Colorado to get a duplicate title mark. Not if he just wants his money 560 00:45:09.159 --> 00:45:14.119 back, he doesn't care fair enough, fair enough, Yeah, he just 561 00:45:14.159 --> 00:45:16.519 wants his four grand to say, Man, well i'd rather have the car. 562 00:45:17.280 --> 00:45:22.960 My wife really wants the car. Then you need to get an attorney 563 00:45:22.639 --> 00:45:28.440 in Hawaii, and you can do a telephonic appearance. They allow those now. 564 00:45:29.000 --> 00:45:31.719 So you need to hire an attorney. What part of Hawaii shi in 565 00:45:32.639 --> 00:45:37.039 Hawaii? So you need to find an attorney there to sue her, literally, 566 00:45:37.119 --> 00:45:43.880 sue her and compel her, tell him the story or tell her the 567 00:45:43.920 --> 00:45:51.559 story, and compel this woman to cooperate to get you a title. Okay, 568 00:45:51.880 --> 00:45:52.840 you give that a shot. I mean, that's what you have to 569 00:45:52.880 --> 00:45:57.880 do. You have to And if she goes to court out there, she's 570 00:45:57.920 --> 00:46:00.920 got money. If she owns a house out there and she sold the house 571 00:46:00.960 --> 00:46:05.599 here, she's got money. So she's not gonna want to waste money with 572 00:46:05.679 --> 00:46:12.239 an attorney. Okay, Look what I just found something. You can request 573 00:46:12.280 --> 00:46:20.079 a duplicate title by mail with completed Department of Revenue Form DR two five three 574 00:46:20.199 --> 00:46:23.840 nine A. So you're saying you should just do it and turn it in. 575 00:46:25.159 --> 00:46:29.519 Well, that's really all it says, man, And it's basically the 576 00:46:29.599 --> 00:46:32.440 same thing. I need to get a duplicate title in Colorado, but I 577 00:46:32.480 --> 00:46:37.000 moved to another state. Is there any way to do it besides going there? 578 00:46:37.239 --> 00:46:42.519 And they're saying this DR two five three nine A. Yeah, I 579 00:46:42.639 --> 00:46:45.119 says it's online. Listen, it's not even by snail mail. You go 580 00:46:45.159 --> 00:46:52.400 to DMV dot Colorado dot gov and just search for DR two five three nine 581 00:46:52.559 --> 00:46:55.559 A and see what it is. Man. I mean, I don't know 582 00:46:55.599 --> 00:47:00.920 how it would work, but it's something. Okay, that number? Did 583 00:47:00.920 --> 00:47:05.599 you get the form number? Yeah, I've looked that up before. Yeah, 584 00:47:05.639 --> 00:47:09.000 and what did Why didn't you do it? Well, there's a few 585 00:47:09.079 --> 00:47:15.840 forms that you can do, and one of them takes anywhere from three weeks 586 00:47:15.880 --> 00:47:17.800 to six months to get the title. Well, guess what you've been sitting. 587 00:47:17.800 --> 00:47:22.719 This has been sitting think a lawsuit. Take you. It's been sitting 588 00:47:22.760 --> 00:47:28.880 there more than nine months, bro, Yeah, I know, so do 589 00:47:28.960 --> 00:47:32.440 it. I mean, why not do it? At least you got something 590 00:47:32.480 --> 00:47:37.039 going on here? I would do that. I would go and fill that 591 00:47:37.119 --> 00:47:38.880 out, and I'll tell you what I would do. But I want everyone 592 00:47:38.920 --> 00:47:42.880 to plug their ears. I would just forge the damn thing. And I 593 00:47:42.880 --> 00:47:45.920 would I would. You know, I don't care what anyone says because there's 594 00:47:45.920 --> 00:47:50.000 no criminal intent whatsoever. I I don't care what they would say because there's 595 00:47:50.039 --> 00:47:52.760 no harm, no foul. No one except Trump would be prosecuted for it. 596 00:47:53.079 --> 00:47:58.400 So I would say, I would say, you know, what are 597 00:47:58.400 --> 00:48:00.119 you going to do? You paid her? Uh, and you're gonna cat 598 00:48:00.199 --> 00:48:05.920 and you you you don't mind paying the rest? Although, man, I'll 599 00:48:05.920 --> 00:48:10.000 tell you what. A woman's pretty good sign my name? What's that? 600 00:48:10.159 --> 00:48:14.360 Oh? She did say that? Well, man, why don't you just 601 00:48:14.400 --> 00:48:17.400 go ahead and take care of the damn thing and just say, looking at 602 00:48:17.400 --> 00:48:21.960 this form, we might fill this form out. I'm looking at this form. 603 00:48:22.159 --> 00:48:24.960 I would do exactly what time's alluding to. I would you can fill 604 00:48:25.000 --> 00:48:29.440 all this out. You send in a check with eight dollars and twenty cents. 605 00:48:29.639 --> 00:48:34.000 You can even put a different shipping address. You're gonna have to sign 606 00:48:34.079 --> 00:48:37.480 it just like she did on the title you have. If you can't do 607 00:48:37.559 --> 00:48:42.199 it, I'm sure you can find an eighteen year older fifteen year old was 608 00:48:42.239 --> 00:48:45.559 already signed. No, I'm saying you look at her signature on that and 609 00:48:45.599 --> 00:48:50.679 you're gonna sign this form? Okay, so why don't you do it and 610 00:48:50.760 --> 00:48:52.840 let us know how it goes? We got more coming right up? Call 611 00:48:52.920 --> 00:49:01.119 us lookie go with a sure thing Denver's best Ruffer Excel Roofing dot com. 612 00:49:01.159 --> 00:49:07.920 You don't pay a cent until you're content. Time for an insurance check up 613 00:49:08.039 --> 00:49:14.440 free, no obligation comparison call Compass Insurance paying too much your coverage at dozens 614 00:49:14.440 --> 00:49:17.480 of insurance companies find out now three oh three seven seven one help. You'll 615 00:49:17.559 --> 00:49:22.400 think you're his only customer when you choose Frank durand the real estate Man dot 616 00:49:22.400 --> 00:49:27.119 com to list your home with Remax Alliance three oh three nine two zero sixteen 617 00:49:27.199 --> 00:49:37.079 twenty two. Hi Tom Martino here three oh three seven one three Tom three 618 00:49:37.199 --> 00:49:43.719 three seven one three eight two five five. Bob, Welcome to the show. 619 00:49:43.719 --> 00:49:47.119 What's going on with you? Bob? What's happening? Okay? Tom? 620 00:49:49.119 --> 00:49:51.800 Oh? Hold on, this is Bob or you're giving me a follow 621 00:49:51.880 --> 00:49:53.960 up on a case. This is Bob from l em Landscaping, Right, 622 00:49:55.360 --> 00:50:00.199 yes, sure, and what are you following up on a loan deal. 623 00:50:00.360 --> 00:50:04.960 A call last week from the Springs about his mom getting ripped off. Fight. 624 00:50:05.400 --> 00:50:07.920 Yeah, two companies down the wall. So I went mill him yesterday. 625 00:50:09.719 --> 00:50:15.039 The law was completely built illegally and wrong. The concert's done wrong, 626 00:50:15.239 --> 00:50:20.000 The whole project was wrong. So I gave him a price. And this 627 00:50:20.119 --> 00:50:23.119 is kind of important. The whole project he originally given a price. His 628 00:50:23.199 --> 00:50:27.599 mom was given a plus at fifteen. I said, what did you get? 629 00:50:27.679 --> 00:50:30.119 He said, why fatally closer to thirty. I said, that's your 630 00:50:30.119 --> 00:50:35.039 first clute. This project is at least twenty five to do correctly. I 631 00:50:35.079 --> 00:50:38.119 gave him my pricing. It was about twenty twenty thousand, plus the material 632 00:50:38.199 --> 00:50:44.519 he needs. I wrote him a letter the clinic current company because of my 633 00:50:44.639 --> 00:50:47.519 letter, because we're pretty sure he's going to refund the money that she's out. 634 00:50:49.199 --> 00:50:52.320 And so just to let you know, all right, what was what 635 00:50:52.400 --> 00:50:53.880 was the name of that company? I want to warn people about it. 636 00:50:53.880 --> 00:50:58.000 Well, wait a minute, he came on air. You could probably get 637 00:50:58.079 --> 00:51:02.000 Kelly to bring him on. What was his first What was his first name, 638 00:51:02.039 --> 00:51:07.199 Bob? It was Mark Uh. I just I just need his first 639 00:51:07.280 --> 00:51:09.119 name, bro, I don't need his last name. Okay, Well, 640 00:51:09.239 --> 00:51:13.679 no, I think it's Brad or Mark. He has two first names of 641 00:51:13.719 --> 00:51:16.960 his name. I think Mark or Mark Brad. I'm pretty sure this is 642 00:51:17.000 --> 00:51:21.000 the one. Tell me if I'm right, Bob. Where the lady actually 643 00:51:21.039 --> 00:51:25.000 got screwed by three different people? Why? Yeah, it actually am three 644 00:51:25.079 --> 00:51:29.079 different people, but they're part of the same company that's screwed on the first 645 00:51:29.119 --> 00:51:32.079 time. When did we Okay, when did you first? When did this 646 00:51:32.159 --> 00:51:37.320 guy first call us? I was said last I don't know, last week 647 00:51:37.440 --> 00:51:42.920 sometime. I think I just don't have his spoken with it because I left 648 00:51:42.960 --> 00:51:45.800 it at home. Because I gave him all the information they need, I 649 00:51:45.840 --> 00:51:49.519 get it. I'm just looking for the call anyway. What's good news is 650 00:51:50.119 --> 00:51:53.480 he contested it on his credit cards, so he had made those payments on 651 00:51:53.599 --> 00:52:00.519 his credit card in his credits. She she gave him a deposit on the 652 00:52:00.559 --> 00:52:04.800 credit card, and so that's what we're going to get back because they still 653 00:52:04.840 --> 00:52:07.079 owe him eight thousand. I said, do not pay that eight thousand. 654 00:52:08.440 --> 00:52:15.719 These people have suddenly disappeared. They found out that they were shopping in another 655 00:52:15.840 --> 00:52:20.760 county where they got their license revoked. Now they're not responding to him at 656 00:52:20.760 --> 00:52:23.599 all once he told them that he found somebody that was going to come out 657 00:52:23.599 --> 00:52:28.719 and look at it, and the city matched everything I said. Matt. 658 00:52:28.880 --> 00:52:32.039 He went to them, they said everything I told him was correct. It's 659 00:52:32.079 --> 00:52:36.559 built war blah blah blah. Now these people are ghosting him. They're not 660 00:52:36.679 --> 00:52:42.360 asking for the rest of the money. Wow. Well, so the other 661 00:52:42.440 --> 00:52:45.840 thing I want to say, because you kind of say this, sometimes when 662 00:52:45.840 --> 00:52:49.880 the price that's too good to be true, get get another price. Because 663 00:52:50.039 --> 00:52:52.880 that price, that job is half the cost of what it should have cost. 664 00:52:52.320 --> 00:52:57.000 But his mom did not understand it. That's how they got it. 665 00:52:57.039 --> 00:53:00.199 And that's the kind of people I ended up helping. But they getting you're 666 00:53:00.280 --> 00:53:02.800 right, you're right, they end up trying to go on the cheap. 667 00:53:04.280 --> 00:53:07.639 They end up wasting money and having to do it the right way to be 668 00:53:07.760 --> 00:53:09.400 and it costs him more than it would have in the beginning if they just 669 00:53:09.440 --> 00:53:15.599 got it done right right, because now he's gonna spend six thousand dollars plus 670 00:53:15.639 --> 00:53:20.639 all the dumpies to get it Rick out to redo it, and it would 671 00:53:20.639 --> 00:53:24.280 have been it would have been roughly eighteen to twenty five dollars job if I 672 00:53:24.320 --> 00:53:28.280 would have done it. The verse time anyways. Well, the other thing 673 00:53:28.320 --> 00:53:31.000 though, is if they didn't pay upfront, they wouldn't be in this situation. 674 00:53:31.280 --> 00:53:36.199 That's right, that's exactly. Yeah, you got I've had You guys 675 00:53:36.360 --> 00:53:39.400 have to understand what time knows I've been during those forty five years. I've 676 00:53:39.440 --> 00:53:45.079 never had that problem because we Bob. We're not saying Bob, Listen, 677 00:53:45.119 --> 00:53:47.519 I'm serious. I'm not saying you would do this. I made a very 678 00:53:47.559 --> 00:53:52.360 direct statement. If they did not pay those people up front, they wouldn't 679 00:53:52.360 --> 00:53:58.079 be in this situation. You can't argue that. Yeah, that you're right, 680 00:53:58.719 --> 00:54:02.199 big that just said that their credit card coming just wanted a letter from 681 00:54:02.199 --> 00:54:07.280 somebody very reputable. So Tom I actually said that he can even verify us 682 00:54:07.280 --> 00:54:10.119 on Martine. But I'm pretty sure they're I get that money back now. 683 00:54:10.480 --> 00:54:15.239 I hope they do. Yeah, I'm pretty sure they will. And then 684 00:54:15.360 --> 00:54:17.599 I'm he's already talked to me. I'm pretty sure he's gonna have me do 685 00:54:17.679 --> 00:54:21.800 it. So if he does, I'll buy your buy you guys lunch. 686 00:54:22.159 --> 00:54:27.360 Now, what is the name of that contractor again, it was some weird 687 00:54:27.480 --> 00:54:30.679 name. I'll be honest with you. I can't even I couldn't even pronounce 688 00:54:30.719 --> 00:54:32.599 it. I can't even find it. Yeah, I know, I remember 689 00:54:32.639 --> 00:54:36.480 the call. I just can't find. Oh you were out, you were 690 00:54:36.480 --> 00:54:39.719 out, bro? Yeah, I know. Okay he talked to Mark because 691 00:54:39.719 --> 00:54:44.880 he wrote okay, okay, And like I said, he came on air 692 00:54:44.920 --> 00:54:47.440 and swore up and down. This is before Bob went out that the wall 693 00:54:47.599 --> 00:54:52.880 was done properly, there was no problems. Then you know, he sent 694 00:54:52.000 --> 00:54:57.079 pictures. Bob looked at the pictures and it is it's cylinder blacks, man. 695 00:54:57.159 --> 00:55:00.360 I mean, it's like a ten year old job. Yeah. And 696 00:55:00.400 --> 00:55:02.440 here's the thing, and it's I want to make sure people know them send 697 00:55:02.679 --> 00:55:06.800 blacks are made for walls. They're not retaining walls. If you look it 698 00:55:06.880 --> 00:55:10.360 up, they don't tell you they have more more chance of breaking in the 699 00:55:10.360 --> 00:55:15.519 metal because they're not attaining wall block. The other thing that's got did is 700 00:55:15.519 --> 00:55:19.480 the point of furner on the outside of the wall. Raise the grade to 701 00:55:19.559 --> 00:55:22.840 try to hide the heights of the wall so that wouldn't be illegal. That's 702 00:55:22.840 --> 00:55:27.119 how proud he did this job. You know, as as you said, 703 00:55:27.639 --> 00:55:30.480 people try to do it on the cheap and they end up spending more money 704 00:55:30.480 --> 00:55:34.719 in the long run. It's really terrible, Bob, Thank you very much. 705 00:55:34.840 --> 00:55:37.000 L em Landscaping. You can find him on referral liss dot com. 706 00:55:37.480 --> 00:55:49.039 And uh, we have more go with a sure thing Denver's best roofer Excel 707 00:55:49.159 --> 00:55:54.920 Roofing dot com. You don't pay a cent until you're content. Time for 708 00:55:54.960 --> 00:56:00.320 an insurance check up free, no obligation. In comparison, call Compass Insurance 709 00:56:00.480 --> 00:56:04.599 paying too much your coverage at dozens of insurance companies find out now three all 710 00:56:04.679 --> 00:56:07.440 three seven seven to one help. You'll think you're his only customer when you 711 00:56:07.519 --> 00:56:12.639 choose Frank durand the real estate Man dot com to list your home with Remax 712 00:56:12.719 --> 00:56:22.320 Alliance three all three nine two zero sixteen twenty two. Hey Tom Martino here 713 00:56:22.400 --> 00:56:29.199 three O three seven one three talk three oh three seven one three eight two 714 00:56:29.320 --> 00:56:32.360 five five. We have open lines for the first time this morning. We've 715 00:56:32.360 --> 00:56:38.159 been talking about problems, questions and complaints. And uh, I just want 716 00:56:38.159 --> 00:56:44.400 to gloat a little here because Dan Kaplis. I love Dan and he does 717 00:56:44.440 --> 00:56:49.599 a great show. And then Mark Major Mark Major, he was saying the 718 00:56:49.639 --> 00:56:54.880 same thing. They could almost guarantee that Biden will not be the candidate, 719 00:56:55.559 --> 00:57:00.199 will not be running again, and eventually he's going to drop out or be 720 00:57:00.320 --> 00:57:06.440 replaced. But just today they had a closed door meeting and these guys come 721 00:57:06.480 --> 00:57:12.800 out more energized than ever behind him. What do you say, Mark? 722 00:57:14.960 --> 00:57:19.000 I I have asked you this numerous times. Where you get your news? 723 00:57:19.079 --> 00:57:23.880 It's crazy because I guys, it's all remains and they're telling me I'm not 724 00:57:23.920 --> 00:57:30.199 getting accurate news, Mark Shock poll Kamala beats Trump, Hillary beats Trump, 725 00:57:30.280 --> 00:57:34.639 Carville, Biden can't. I'm not saying that. I don't deny any of 726 00:57:34.639 --> 00:57:37.840 that. Here's what I'm saying. I don't think you you know, I'm 727 00:57:37.840 --> 00:57:40.639 not disagreeing with you that he's the worst candidate they could have. What I'm 728 00:57:40.679 --> 00:57:46.079 saying is he's not dropping out. Right here Fox News right now, Biden 729 00:57:46.199 --> 00:57:52.119 tunes out critics with jam packed schedule. Where is this news that they're all 730 00:57:52.159 --> 00:57:54.519 behind him? Is what I'm talking about. Didn't they have that closed door 731 00:57:54.599 --> 00:57:58.400 meeting this morning? It was on None of them like them? So I'm 732 00:57:58.440 --> 00:58:04.119 asking you where are you getting they came out? I was who was they 733 00:58:04.400 --> 00:58:10.039 see in CNN? They said they came out and they reaffirmed their support for 734 00:58:10.119 --> 00:58:15.840 Biden. I was watching the headline right here in the studio. By the 735 00:58:15.880 --> 00:58:22.159 way, do you believe that als the headline from CNN? Hold on, 736 00:58:22.760 --> 00:58:30.000 Many Democrats say, conclusion drawn from the House Democratic Caucus meeting followed by semit 737 00:58:30.079 --> 00:58:37.719 Democrats gathering will likely seal his fate. Yeah, seal it as a candidate. 738 00:58:37.800 --> 00:58:45.880 Uh, what do you guys think? Anyway? Listen, have you 739 00:58:45.039 --> 00:58:53.280 seen the new EV truck from Chevy The EV truck that looks like an avalanche 740 00:58:54.079 --> 00:58:58.400 looks pretty damn cool. I have not. Hey, I wanted to ask 741 00:58:58.440 --> 00:59:01.400 you something though, real quick man. What's that? It's not political, 742 00:59:01.440 --> 00:59:07.079 but during during if people go to YouTube and just go back a couple minutes 743 00:59:07.119 --> 00:59:09.800 on our live stream, they'll see a picture of a dog in a bucket. 744 00:59:10.199 --> 00:59:15.760 And this dog was next to us for two or three days one hundred 745 00:59:15.760 --> 00:59:19.639 and ten, one hundred and fifteen degree temperatures. Now during the day when 746 00:59:19.679 --> 00:59:22.639 it was super hot, it was in, but it was out all night. 747 00:59:22.760 --> 00:59:25.000 It's not like it was barking. But it's literally a dog in a 748 00:59:25.039 --> 00:59:30.159 bucket and we'll see it. Oh, that's cute. But if you look, 749 00:59:30.320 --> 00:59:34.559 it was on a leash the entire time, so it had all of 750 00:59:34.639 --> 00:59:37.599 four feet. It was either on the concrete or in the bucket. And 751 00:59:37.679 --> 00:59:42.199 I asked the owner because finally, I'm like, you know, at first, 752 00:59:42.199 --> 00:59:44.199 when I saw it, Tom, just like you, I'm like, 753 00:59:44.239 --> 00:59:46.079 Oh, that's kind of weird, that's cute. But then when the dog 754 00:59:46.159 --> 00:59:51.079 never left the bucket, I asked the neighbor. I finally said, Hey, 755 00:59:51.159 --> 00:59:52.880 that is something weird. A dog in a bucket. I've never seen 756 00:59:52.920 --> 00:59:57.440 that. And the guy was like this, he goes the dog loves a 757 00:59:57.480 --> 01:00:01.519 bucket, And I'm thinking that dog spends the entire night outside in that bucket, 758 01:00:01.920 --> 01:00:06.119 barely ever gets out of the bucket unless you get a little water. 759 01:00:06.800 --> 01:00:08.400 I don't know, what do you think, man, do you think that's 760 01:00:08.800 --> 01:00:13.639 you think that's animal, animal cruelty or what. But the dog is not 761 01:00:13.800 --> 01:00:15.679 trapped in the bucket. He it's by the way, it's a big blue 762 01:00:15.679 --> 01:00:21.239 bucket and it's not like a regular little bucket. But but anyway, the 763 01:00:21.800 --> 01:00:27.039 dog can easily jump out of that bucket, right, it can jump out, 764 01:00:27.079 --> 01:00:29.719 and there's a little bowl of water next to it. But it's on 765 01:00:29.840 --> 01:00:32.840 that leash. It's got four or five feet. If you had the difference 766 01:00:32.920 --> 01:00:37.280 between the hot concrete or the blue bucket and Honestly, to me, that's 767 01:00:37.440 --> 01:00:40.800 like a little bucket. I know it's not a mop bucket. But the 768 01:00:40.800 --> 01:00:45.199 more I looked at this dog, after two or three days, I started 769 01:00:45.239 --> 01:00:47.079 going, I mean, should you call animal cruelty? I mean, this 770 01:00:47.239 --> 01:00:51.960 is crazy. They keep this dog in a bucket. He doesn't look at 771 01:00:52.800 --> 01:00:57.280 YouTube. Go to YouTube dot com, type in Troubleshooter network and just go 772 01:00:57.400 --> 01:01:00.280 back a little on the live feed and you'll see the dog, dog in 773 01:01:00.320 --> 01:01:02.039 the bucket, and tell me what you think. How much is that dog 774 01:01:02.079 --> 01:01:09.199 in the bucket? Oh? That was pretty shot. We're not even gonna 775 01:01:09.360 --> 01:01:15.880 we're not even dignifying that. But anyway, here's the deal. I think 776 01:01:15.960 --> 01:01:21.920 that the dog has a choice, and the dog is sitting in there by 777 01:01:22.119 --> 01:01:25.360 choice. That's what I'm thinking. It is sitting in the bucket by choice. 778 01:01:25.360 --> 01:01:29.920 But it's only other choice. Well look at it. You see the 779 01:01:30.000 --> 01:01:34.880 leash on it on the ground. Yeah, the other is on the hot 780 01:01:34.920 --> 01:01:39.280 cement. Oh, I see what you're saying. Why doesn't he have a 781 01:01:39.360 --> 01:01:43.800 dog? I wonder if somebody tossed him a dog bed, if he'd lay 782 01:01:43.800 --> 01:01:47.800 on that instead. You see that. I don't know, but the owner 783 01:01:47.920 --> 01:01:52.599 said the dog has always I'm putting it back up. The dog has always 784 01:01:52.639 --> 01:01:57.559 loved the bucket. The dog sleeps in the bucket. He just hangs out 785 01:01:57.559 --> 01:02:00.880 in the bucket. Why would a dog always want Would a dog rather be 786 01:02:00.960 --> 01:02:04.159 in the air conditioning? I mean, wouldn't a dog rather be anywhere but 787 01:02:04.199 --> 01:02:10.039 a bucket? You know, it's a weird one that when I saw it, 788 01:02:10.039 --> 01:02:13.719 it looked kind of cute, and I didn't think anything wrong about it. 789 01:02:13.760 --> 01:02:15.880 You know, when Suzanne first pointed it out. It's right out of 790 01:02:15.920 --> 01:02:20.800 our kitchen window. When she first pointed it out, I thought it was 791 01:02:20.840 --> 01:02:23.639 the damnedest thing. Like the dog just hopped in there like a cat would, 792 01:02:23.960 --> 01:02:28.480 and it was a one time thing. But then I started realizing over 793 01:02:28.480 --> 01:02:31.639 two or three days, the dog never leaves that bucket except to get to 794 01:02:31.800 --> 01:02:38.559 water. Okay, So if you have a problem, question or complain, 795 01:02:38.639 --> 01:02:42.880 give us a call. We have all kinds of things to talk about. 796 01:02:42.920 --> 01:02:45.280 We do have some follow ups as well, but I think some of the 797 01:02:45.320 --> 01:02:51.679 things we're learning over recent calls. Okay, and this seems to be I'm 798 01:02:51.679 --> 01:02:55.679 going to give you some trends that I believe happened every year this time, 799 01:02:57.239 --> 01:03:00.920 and we alluded to it in the last call, and it has to do 800 01:03:00.039 --> 01:03:07.199 with landscaping. Okay, here's the problem I've always said with the landscape business. 801 01:03:07.360 --> 01:03:16.199 Landscape business starts in about late March, okay, maybe April, and 802 01:03:16.280 --> 01:03:22.639 then it goes really it can go through October and part of November, but 803 01:03:22.960 --> 01:03:30.440 no one wants it at the end of the season. Everyone wants things sooner. 804 01:03:30.039 --> 01:03:37.559 Everyone wants things to enjoy during the growth season and the display season and 805 01:03:37.639 --> 01:03:43.000 the watering season. Not many people want you to start a project in October, 806 01:03:43.480 --> 01:03:47.079 finish it, and then have winter come and not enjoy it until the 807 01:03:47.119 --> 01:03:52.280 next year. So here's what happens. A lot of the good landscapers fill 808 01:03:52.400 --> 01:03:57.960 up. It's that easy. They fill up their schedules. So a lot 809 01:03:58.000 --> 01:04:04.199 of the bad landscapers that have openings and cheap prices get filled up too. 810 01:04:04.599 --> 01:04:11.239 And those people are desperate. I'm talking about homeowners who are desperate to get 811 01:04:11.280 --> 01:04:16.400 a landscaper at a reasonable price, will take the gamble. Well, they 812 01:04:16.400 --> 01:04:20.880 don't even think they're taking a gamble. They pay up front. It's a 813 01:04:21.000 --> 01:04:29.719 cheap price. And I'm not even saying these bad landscapers are necessarily intentionally ripping 814 01:04:29.800 --> 01:04:34.519 anyone off, but they don't know what they're doing, and they come out 815 01:04:34.559 --> 01:04:40.880 and do a lousy job. And just know this once, this is the 816 01:04:40.920 --> 01:04:46.559 most fleeting feeling in the world. Once you have paid a deadbeat, whether 817 01:04:46.800 --> 01:04:55.280 it be a landscaper, a contractor somebody who told you they were going to 818 01:04:55.360 --> 01:05:01.760 sell you a car, roofer a roofer. How about an investment advisor or 819 01:05:01.840 --> 01:05:05.639 some I'm serious or good, some kind of investment mark. Once you pay 820 01:05:05.679 --> 01:05:11.280 a dead beat, I don't care whether they had the intent to rip you 821 01:05:11.360 --> 01:05:15.360 off or not. You're never getting your money back. They can have all 822 01:05:15.400 --> 01:05:18.239 the best intentions in the world. You're never going to get money back. 823 01:05:19.400 --> 01:05:25.320 Years ago, years ago, my mother was very sick and dying, and 824 01:05:25.400 --> 01:05:30.559 I remember doing this fifty thousand dollars investment years ago, and it was a 825 01:05:30.599 --> 01:05:38.960 guy who worked with me at Fox thirty one. I forget his name now 826 01:05:39.239 --> 01:05:44.239 I know this story. So he got a lot of TV people to invest 827 01:05:44.320 --> 01:05:48.960 money on supposedly this airline that was coming to town. And I mean he 828 01:05:49.039 --> 01:05:54.400 had all the paperwork and everything, and it was they were It was not 829 01:05:54.480 --> 01:05:57.280 a public offering at the time, No, it was. Wasn't it a 830 01:05:57.320 --> 01:06:00.239 doughnut place? Wait? Wait, wait, I thought it was no, 831 01:06:00.480 --> 01:06:04.599 it was just before they came to town that that could have been that you're 832 01:06:04.679 --> 01:06:09.360 right, you're right, you're right. The the the the airline was something 833 01:06:09.400 --> 01:06:12.639 else. But and that wasn't a rip off. It just never happened. 834 01:06:12.840 --> 01:06:16.440 But on this particular doughnut thing, I remember somebody saying, you know, 835 01:06:16.519 --> 01:06:21.719 what was weird is that he went to my bank and cashed the check an 836 01:06:21.800 --> 01:06:26.239 hour after I wrote it. It didn't it seemed weird that he didn't. 837 01:06:26.599 --> 01:06:30.320 He didn't like put it with someone, but it was cashed immediately. So 838 01:06:30.639 --> 01:06:35.000 he was going up to Central City. His name is Scott something I forget. 839 01:06:35.119 --> 01:06:39.519 Anyway, he was going up to Central City gambling the money away. 840 01:06:41.320 --> 01:06:46.239 And he there were some notable people by the way that were that invested because 841 01:06:46.280 --> 01:06:50.079 he was in TV. And there was some anchor women and some other people, 842 01:06:50.280 --> 01:06:55.599 not anyone that I know personally, but I'm just saying. And I 843 01:06:55.800 --> 01:06:59.159 was one of them, and and you know, look at here's what happened. 844 01:06:59.559 --> 01:07:02.719 The guy ripped everyone off. And I knew, I mean, where 845 01:07:02.760 --> 01:07:09.880 do you how do you ever get money back from a total deadbeat that can 846 01:07:10.000 --> 01:07:15.039 never make enough money to pay everyone back? Ever, so the courts he 847 01:07:15.159 --> 01:07:23.360 was indicted by the way he was indicted, and he was he was guilty, 848 01:07:23.519 --> 01:07:28.239 okay, and did a plea arrangement to pay people back. Do you 849 01:07:28.400 --> 01:07:31.760 know up until last year, and every now and then a check shows up 850 01:07:32.360 --> 01:07:36.840 for five or six dollars a month, maybe I get one of those two, 851 01:07:36.880 --> 01:07:43.039 maybe ten dollars. I mean, can you imagine, you know, 852 01:07:43.400 --> 01:07:46.639 making a fifty thousand dollars investment, or this person who made an investment in 853 01:07:46.679 --> 01:07:51.039 that wall that we talked about, or people making investments, You'll never get 854 01:07:51.079 --> 01:07:57.440 paid. That's why you have to guard yourself from these ripoffs, even if 855 01:07:57.559 --> 01:08:00.920 they don't have criminal intent, because you're never gonna get your money back. 856 01:08:01.199 --> 01:08:05.079 Do you know how many people right now are in a position who have paid 857 01:08:05.119 --> 01:08:10.880 people money with trust and will never get it back. It's just something you 858 01:08:10.920 --> 01:08:16.239 got to prevent because you're never going to recover. Go with a sure thing 859 01:08:16.359 --> 01:08:20.760 Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're 860 01:08:20.800 --> 01:08:28.760 content. Time for an insurance check up free, no obligation. In comparison, 861 01:08:28.920 --> 01:08:32.800 call Compass insurance paying too much your coverage at dozens of insurance companies find 862 01:08:32.800 --> 01:08:36.000 out now three all three seven to seven to one. Help You'll think you're 863 01:08:36.039 --> 01:08:40.920 his only customer when you choose Frank durand the real estate Man dot com to 864 01:08:41.000 --> 01:08:49.079 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 865 01:08:50.079 --> 01:08:56.880 Hi Tom Martino, your troubleshooter three oh three seven one three talk seven 866 01:08:56.960 --> 01:09:00.399 one three eight two five five Mark? What's going on on with you? 867 01:09:00.520 --> 01:09:04.000 Hello? Mark? Hello? Let me get you out with sure? What's 868 01:09:04.039 --> 01:09:10.199 happening? Well, all, I got a problem with let's come up? 869 01:09:13.439 --> 01:09:16.199 Yes? Oh oh, sorry about that. No, that's okay, You've 870 01:09:16.239 --> 01:09:23.319 sound great now. I don't know. I'm hoping. I don't know if 871 01:09:23.319 --> 01:09:26.760 you guys can help me out or if there's anything you can tell me to 872 01:09:26.760 --> 01:09:31.039 do. I've got I lived down in Pagosa and I took my boat to 873 01:09:31.279 --> 01:09:35.560 San Juan Marine. It's in Aztec, New Mexico, because that's the closest 874 01:09:35.600 --> 01:09:40.960 place. That's the only place around here. They've had it since December. 875 01:09:41.279 --> 01:09:44.439 Now, now, why did you well, why did you take your boat 876 01:09:44.520 --> 01:09:49.920 in? Well, it had a trim problem. It needed to be reprogrammed 877 01:09:50.479 --> 01:09:58.840 because it wouldn't trim up under power, So they had to reprogram the trim 878 01:09:58.880 --> 01:10:05.279 okay, And where is the where is az Tech? Where's Aztec located next 879 01:10:05.319 --> 01:10:11.000 to Farmington? Okay? In Farmington, Okay, outside of Colorado, you 880 01:10:11.039 --> 01:10:16.479 know, in the Four Corners area. Yeah, and uh so I was. 881 01:10:16.720 --> 01:10:18.760 I got in there. They said I got to wait for all their 882 01:10:18.800 --> 01:10:24.399 winners and winterizations to get done and then they could start on it. And 883 01:10:24.439 --> 01:10:28.840 when did you drop it off? Month? I dropped it off late November, 884 01:10:28.920 --> 01:10:33.439 early December. Okay, got it? And uh so? Uh I 885 01:10:33.479 --> 01:10:35.680 waited a month or so. The guy calls me. He says, oh 886 01:10:35.720 --> 01:10:39.319 yeah, we'll get in and take a look at it. Wait another month. 887 01:10:40.000 --> 01:10:42.760 Okay. He tells me, you know you need a pump. This 888 01:10:42.840 --> 01:10:45.479 thing's not put together right. And I was like, okay, wait, 889 01:10:45.720 --> 01:10:48.880 let's let's continue this hold on man, and I'll come right back to you. 890 01:10:48.960 --> 01:10:51.880 I promise. We'll talk about his boat, what's going on with it, 891 01:10:53.199 --> 01:10:55.359 what we can do about it. And he wants to know about small 892 01:10:55.359 --> 01:10:59.119 claims. I'm Tom Martino. We got a lot more happening. Three oh 893 01:10:59.159 --> 01:11:04.960 three seven one three talk Go with a sure thing Denver's best roofer Excel roofing 894 01:11:05.039 --> 01:11:12.520 dot com. You don't pay a cent until you're content. Time for an 895 01:11:12.560 --> 01:11:16.600 insurance check up free, no obligation comparison call Compass Insurance. Pay too much 896 01:11:16.720 --> 01:11:21.000 your coverage at dozens of insurance companies find out now three oh three seven seven 897 01:11:21.039 --> 01:11:25.800 to one help. You'll think you're his only customer when you choose Frank durand 898 01:11:25.800 --> 01:11:30.239 the real estate Man dot com to list your home with Remax Alliance three oh 899 01:11:30.279 --> 01:11:45.479 three nine two zero sixteen twenty two rips needed so you don't have come running 900 01:11:45.880 --> 01:11:54.640 as fast as we can. Show Shooter's gonna help come six is the Troubleshooter 901 01:11:54.760 --> 01:12:00.399 Show? No Tom Martine, Hey Tom Martin here, and I welcome you 902 01:12:00.439 --> 01:12:03.800 to the show. I like saying the only show if it's kind anywhere in 903 01:12:03.840 --> 01:12:08.680 the universe, where we're solving problems, answering questions, taking complaints, making 904 01:12:08.720 --> 01:12:15.159 life a little easier, and we have a lot to talk about as always, 905 01:12:15.239 --> 01:12:20.079 because our consumer life is really important. Now did that guy go away 906 01:12:20.159 --> 01:12:28.520 or is he still here? Mark was talking about a problem He took his 907 01:12:28.720 --> 01:12:32.800 boat to as tech Marine. There he is. Let me get my earpiece 908 01:12:32.880 --> 01:12:38.560 on here, all right? So you took your boat to as tech Marine 909 01:12:39.119 --> 01:12:44.279 in the Four Corners area in December twenty twenty three. Now, let me 910 01:12:44.279 --> 01:12:46.800 ask you something about the boat. What is the boat? Tell me about 911 01:12:46.800 --> 01:12:55.279 the boat. It's a two thousand and six Ranger six twenty okay. Now, 912 01:12:55.520 --> 01:13:00.119 you were having problems with it. It wouldn't te up under power. 913 01:13:00.239 --> 01:13:03.760 You know, you couldn't use the trim option under power. Okay, them 914 01:13:03.880 --> 01:13:14.399 up at idle okay. So what happened? Then the service manager finally got 915 01:13:14.520 --> 01:13:17.079 to it and called me back and said, and this has been over a 916 01:13:17.119 --> 01:13:21.600 month. You need a pump. You're missing a pump that you need. 917 01:13:21.640 --> 01:13:26.119 But the pump has nothing to do. Pump has nothing to do with trim, 918 01:13:26.800 --> 01:13:30.479 right, and it was an extra so it was extra work. And 919 01:13:30.520 --> 01:13:33.359 he said it would be twenty five hundred bucks for the pump and to install 920 01:13:33.399 --> 01:13:36.479 it. Okay, but okay, did they tell you how much? Did 921 01:13:36.520 --> 01:13:41.680 they tell you anything about the trim problem? That was only going to be 922 01:13:41.680 --> 01:13:47.000 an hour's labor okay, fifty bucks okay, So so he needed and so 923 01:13:47.039 --> 01:13:56.319 what happened then? It's been okay, so he he ordered, he said, 924 01:13:56.359 --> 01:13:59.560 okay, I'll order the part. So did you pay anything so far? 925 01:14:00.560 --> 01:14:03.880 Nothing? So it doesn't sound like they're trying to well, I'm not 926 01:14:04.239 --> 01:14:10.600 it sounds more like incompetence than it is. Well, they've gone through. 927 01:14:10.880 --> 01:14:15.000 This is the third service writer, and it's keep starting over from the beginning, 928 01:14:15.199 --> 01:14:19.960 over and over. My question is can I sue for loss of use? 929 01:14:20.840 --> 01:14:26.680 Not in small claims court? Nope, Okay, you know you can 930 01:14:26.800 --> 01:14:30.600 sue. You can sue for loss of use, but it's it's doubtful unless 931 01:14:30.600 --> 01:14:34.800 they were negligent. You you here, let me explain about consequential damages, 932 01:14:35.159 --> 01:14:40.640 which is loss of use, loss of vacation, pain and suffering, emotional 933 01:14:40.680 --> 01:14:45.239 distress, whatever it is. There's all kinds, hotel rooms, whatever. 934 01:14:45.159 --> 01:14:53.920 In order to collect first first and foremost, they must be not just doing 935 01:14:54.159 --> 01:15:00.800 it or not doing it, but they must be negligent, you see, 936 01:15:00.840 --> 01:15:06.520 not just liable. Liability is you take on something to repair it, You're 937 01:15:06.640 --> 01:15:14.720 liable to repair it or to attempt to repair it. But negligence is where 938 01:15:14.760 --> 01:15:23.640 you purposely or you negligently drop the ball. So that's a really big burden 939 01:15:23.680 --> 01:15:26.920 of proof. I know you're saying I didn't get to use my boat, 940 01:15:27.399 --> 01:15:30.760 but you have to remember something. You have to make the case. Listen 941 01:15:30.800 --> 01:15:39.239 to this, not only that they were negligent, but that you were prevented 942 01:15:39.399 --> 01:15:44.399 from taking it anywhere else, and if you did take it somewhere else, 943 01:15:45.079 --> 01:15:48.359 you would have been able to use it. It's just not even worth the 944 01:15:48.520 --> 01:15:55.279 trouble. It seriously isn't. So what you need to do is just try 945 01:15:55.279 --> 01:16:00.439 to get the damn thing fixed. So they have worked on and they have 946 01:16:00.600 --> 01:16:03.119 done some things. I'm not sure what all I mean. They keep ordering 947 01:16:03.199 --> 01:16:08.880 parts and then they tell me, oh, there was the wrong part, 948 01:16:08.119 --> 01:16:11.920 and they say every time I call, oh, we were waiting on a 949 01:16:11.960 --> 01:16:15.600 part. Their last service manager who just quit, was a real nice guy, 950 01:16:15.960 --> 01:16:19.520 but he said we ordered the wrong part. And so I said, 951 01:16:19.560 --> 01:16:24.479 okay, uh, you know, I've been nice. I've been going along 952 01:16:24.520 --> 01:16:28.199 with this crap ever since. And he said, so the last time I 953 01:16:28.279 --> 01:16:31.079 called him, I'm a month and a half ago, he said, it's 954 01:16:31.119 --> 01:16:35.000 it's on the order and it has shipped. We expected any day. Now. 955 01:16:35.439 --> 01:16:41.359 Called them today and they said we're waiting on parts. And I'm like, 956 01:16:41.479 --> 01:16:44.960 this is ps this is not true. So if they've done that work, 957 01:16:45.520 --> 01:16:47.520 can I go in there, hook to that boat and drag it out 958 01:16:47.520 --> 01:16:53.560 of there without any It's your boat, you know, you can take it 959 01:16:53.600 --> 01:16:57.039 anytime you want, and they can make you pay for everything they've done thus 960 01:16:57.079 --> 01:17:01.680 far. Well, but it hasn't been completed. It doesn't matter. This 961 01:17:01.920 --> 01:17:04.640 is going to go have to go in there and finish what they've done. 962 01:17:04.720 --> 01:17:09.880 Listen, listen, Mark, Well, I'm not disagreeing with you, but 963 01:17:10.079 --> 01:17:12.920 if they put new parts in there of any kind, they need to be 964 01:17:12.960 --> 01:17:16.159 paid for those. Well, okay, if they put any new parts on 965 01:17:16.199 --> 01:17:19.880 it, and like I said, the hour for the trim, but all 966 01:17:19.920 --> 01:17:24.479 the things that they've disassembled, you know how hard it's going to be to 967 01:17:24.520 --> 01:17:29.199 get somebody else to reassemble somebody else's work. You can go and get your 968 01:17:29.239 --> 01:17:34.119 boat. Then you're going to have an argument as to what is value and 969 01:17:34.119 --> 01:17:40.359 what is not Again, Okay, why are they not putting it? If 970 01:17:40.399 --> 01:17:43.960 everything is done, why are they not putting it back together? It's in 971 01:17:44.079 --> 01:17:49.119 confidence? Well, you mean everything is done. They've had they're on their 972 01:17:49.199 --> 01:17:55.720 third service rider since December. That's why. No, it's not done. 973 01:17:56.000 --> 01:17:58.880 He just called me and told me they're still waiting on parts. The last 974 01:17:58.880 --> 01:18:02.880 time I talked to their last UH service writer, he said the parts have 975 01:18:02.960 --> 01:18:06.039 been shipped. We expect them any day. Okay, now we get to 976 01:18:06.239 --> 01:18:11.439 call all the timetime but it's usually r v's, not boats or cars. 977 01:18:12.159 --> 01:18:18.880 Now, Mark, can you verify with other boat dealers that these parts are 978 01:18:18.960 --> 01:18:28.359 not scarce? I don't even have a parts list to start with. Well 979 01:18:28.760 --> 01:18:32.399 did they get did they get the pump in? By the way, he's 980 01:18:32.399 --> 01:18:38.039 got the pump, he says he doesn't have the tables to connect it. 981 01:18:40.039 --> 01:18:44.319 All right, So you can have you called around to other marinas at all? 982 01:18:45.159 --> 01:18:48.039 No, I haven't. I mean, the only place I could call 983 01:18:48.119 --> 01:18:53.920 would be Dender, and that would be they would get me in probably next 984 01:18:54.000 --> 01:18:59.319 January. Oh my god, what what are there any other marinas down down 985 01:18:59.359 --> 01:19:06.319 below there? Well, there's some. There's something uh in Albuquerque that's five 986 01:19:06.359 --> 01:19:10.520 hours away. Also, listen, I'm gonna have I'm gonna have one of 987 01:19:10.560 --> 01:19:15.680 our deputies here call dak Why don't you deputy chop it. I'm gonna have 988 01:19:15.800 --> 01:19:18.119 him call down there during the show and just say, listen, this guy 989 01:19:18.239 --> 01:19:24.720 doesn't have an unreasonable request. What exactly is hanging it up? And we're 990 01:19:24.720 --> 01:19:28.479 not going to like be accusatory, but maybe if we start probing, they'll 991 01:19:28.479 --> 01:19:31.159 think, oh man, this guy is like whoa you know? And and 992 01:19:31.239 --> 01:19:36.279 he's he's making noise and maybe you'll get some grease being the noisy wheel. 993 01:19:36.399 --> 01:19:41.119 Hang on, and uh, why don't we try that chopper? Just call 994 01:19:41.239 --> 01:19:45.359 down there and see what we can do. We'll do three oh three seven 995 01:19:45.600 --> 01:19:51.000 one three talk three oh three seven one three eight two five five. Can 996 01:19:51.039 --> 01:19:56.840 you bring John Fuller up for a second. I have a question from text. 997 01:19:58.079 --> 01:20:02.560 John, you talk about U. This is you happen to be here 998 01:20:02.600 --> 01:20:04.800 for your spot, So I wanted to ask you this. I got a 999 01:20:04.840 --> 01:20:11.520 text. How important are dash cams? They're seeing more and more of them, 1000 01:20:11.640 --> 01:20:15.239 they're thinking about buying one, So tell me about it. I mean, 1001 01:20:15.279 --> 01:20:19.039 how important do you feel they are to have it nowadays? Well, 1002 01:20:19.159 --> 01:20:23.039 Tom, here's the deal. I mean, all that's got to happen after 1003 01:20:23.079 --> 01:20:25.960 an accident is for the other person to get out and say it wasn't my 1004 01:20:26.039 --> 01:20:30.279 fault, and then you have a disputed liability accident. The beauty of a 1005 01:20:30.359 --> 01:20:33.600 dash cam is that, no matter what the different parties say, no matter 1006 01:20:33.720 --> 01:20:38.279 what the cop writs and they report and believe me, they get it wrong 1007 01:20:38.319 --> 01:20:43.960 from time to time, you have a full color, four K video of 1008 01:20:44.000 --> 01:20:47.359 the actual crash occurring. That eliminates all of that, he said. She 1009 01:20:47.520 --> 01:20:54.680 said that eliminates any issues about what color of the light was right green car 1010 01:20:54.760 --> 01:20:58.279 ran through the red light before all of these things that get in the way 1011 01:20:58.319 --> 01:21:02.039 of accepted liability and getting insurance companies to do the right thing are out the 1012 01:21:02.079 --> 01:21:05.920 window as soon as you have this full color video of the accident. So 1013 01:21:06.479 --> 01:21:10.640 for less than one hundred bucks, you can put a great dash cam on 1014 01:21:10.680 --> 01:21:14.600 your dash and you'll have that protection so that no more do you have to 1015 01:21:14.640 --> 01:21:18.000 worry about that Yahoo that gets out swearing up and down that your fault for 1016 01:21:18.039 --> 01:21:23.279 the accident and that they didn't do anything wrong. It's well worth that money. 1017 01:21:23.399 --> 01:21:28.039 So John, do they continually loop over so many days or how does 1018 01:21:28.079 --> 01:21:31.039 it work? Yeah, yeah, exactly. There's an SD card that is 1019 01:21:31.119 --> 01:21:35.159 in the unit and it continues to record over the oldest, you know, 1020 01:21:35.640 --> 01:21:40.479 the oldest recording and then most of them. The coolest thing is they have 1021 01:21:40.520 --> 01:21:43.800 a sensor so that if you go, if you get in a crash and 1022 01:21:43.880 --> 01:21:47.960 it senses that you know, this collision occurred, then they automatically bracket out 1023 01:21:48.000 --> 01:21:51.760 and save that portion of the audio and the video so that it can't be 1024 01:21:51.840 --> 01:21:56.920 recorded over. And so that's a really cool feature that's good I've actually had 1025 01:21:56.960 --> 01:22:01.399 people tom that that witness an accident pull over, pull their SD card out 1026 01:22:01.439 --> 01:22:04.840 and walk up and hand it to the cop and say, my you know, 1027 01:22:05.000 --> 01:22:09.119 dash camera recorded this, and I've got a full color video and here 1028 01:22:09.159 --> 01:22:13.399 it is. So, I mean, this is great technology. I predict 1029 01:22:13.439 --> 01:22:15.720 in five or ten years, every new car that's on the road will already 1030 01:22:15.720 --> 01:22:19.600 have them built in and forever more and not have to worry about, you 1031 01:22:19.640 --> 01:22:23.600 know, buying our own. But for right now, go out spend the 1032 01:22:23.640 --> 01:22:28.359 money. Yeah, it's such an In fact, I think I think Tesla 1033 01:22:28.479 --> 01:22:30.640 has video that you can I don't know if you can record it, but 1034 01:22:30.680 --> 01:22:36.560 I I think my son, for example, somebody tped his car and I 1035 01:22:36.600 --> 01:22:40.960 think he was able to go back and look at video. I don't know, 1036 01:22:41.039 --> 01:22:43.960 Mark, I don't know, Mark. Are you still there? Yeah, 1037 01:22:44.000 --> 01:22:46.520 they have it so you can look at who's looking at your car and 1038 01:22:46.600 --> 01:22:50.159 walking around it, right, Yeah, if you have Century mode on. 1039 01:22:50.399 --> 01:22:55.680 And then also I'm not sure about his, but the model I have, 1040 01:22:56.199 --> 01:23:00.760 if something's getting ready to hit you, or you know, an accident happens, 1041 01:23:00.920 --> 01:23:04.640 it can basically start recording three seconds beforehand. I'm not sure how it 1042 01:23:04.680 --> 01:23:10.880 does it, but it does three seconds beforehand. Okay, so it's like 1043 01:23:10.960 --> 01:23:16.399 it's continually recording but not but not really right right right or continuity? Yeah, 1044 01:23:16.680 --> 01:23:19.920 okay, anyway, thank you, John. I appreciate that we have 1045 01:23:20.000 --> 01:23:29.039 more coming up on the Troubleshooter Show. Go with a sure Thing Denver's Best 1046 01:23:29.119 --> 01:23:32.159 Roofer Excel Roofing dot com. You don't pay a cent until you're content. 1047 01:23:35.520 --> 01:23:41.760 Time for an insurance check up free no obligation comparison call Compass Insurance paying too 1048 01:23:41.840 --> 01:23:45.119 much your coverage at dozens of insurance companies find out now three O three seven 1049 01:23:45.119 --> 01:23:48.680 to seven to one help. You'll think you're his only customer when you choose 1050 01:23:48.680 --> 01:23:54.119 Frank durand the real estate Man dot com to list your home with Remax Alliance 1051 01:23:54.359 --> 01:24:00.920 three oh three nine two zero sixteen twenty two. Hello, I'm Martino here. 1052 01:24:00.960 --> 01:24:06.439 So I've done a little research on consequential damages as a result of broken 1053 01:24:06.680 --> 01:24:13.239 stuff. Do people have responsibility to you for pay for damages? It goes 1054 01:24:13.319 --> 01:24:18.239 way back. People were doing that. For example, we had people who 1055 01:24:18.319 --> 01:24:24.840 went to a special event. In one case, it was a prize fight, 1056 01:24:25.760 --> 01:24:30.359 a heavyweight championship fight. Many years ago. I handled this case and 1057 01:24:30.840 --> 01:24:38.000 they took their film when we had film in to be developed, and they 1058 01:24:38.600 --> 01:24:45.279 ruined it. So therefore the entire trip, and he said, was ruined. 1059 01:24:45.279 --> 01:24:48.159 But he got to see it. Remember, he just didn't get to 1060 01:24:48.239 --> 01:24:55.039 record it for posterity. So what was the ode? More than the actual 1061 01:24:55.199 --> 01:25:00.800 film, more than the actual photos. The man never was able to collect 1062 01:25:00.840 --> 01:25:06.920 anything. He talked to attorney after attorney after attorney, and unless they did 1063 01:25:08.000 --> 01:25:16.399 something really stupid or intentional or negligent, it's you can't. You really can't. 1064 01:25:17.680 --> 01:25:21.840 Well, you can try to recover, but you most likely won't. 1065 01:25:23.800 --> 01:25:27.760 Now, there are so many cases like this. There have been people who've 1066 01:25:27.800 --> 01:25:34.039 rented a boat or an RV. They've gone on vacation with it a rental 1067 01:25:34.159 --> 01:25:38.840 and not able to use it. Now in those cases, oddly enough, 1068 01:25:38.880 --> 01:25:47.439 with RVs, they were reimbursed way more than just the RV because the consumer 1069 01:25:47.560 --> 01:25:54.279 was able to show that the person who rented them, the dealer that rented 1070 01:25:54.319 --> 01:26:00.640 them the RV, did not check out the RV or do their dude diligence 1071 01:26:00.800 --> 01:26:05.359 as they should have in between rentals. Had they checked out this one RV, 1072 01:26:06.199 --> 01:26:12.640 they would have seen that the RV needed some service. As a result, 1073 01:26:13.239 --> 01:26:16.479 this person who rented it did not get the benefit of using it the 1074 01:26:16.640 --> 01:26:23.640 entire time, and in fact it did ruin the family's vacation. So not 1075 01:26:23.880 --> 01:26:29.560 only were they refunded the money for the RV, but they were given compensation 1076 01:26:29.760 --> 01:26:34.600 for mist vacation and all of that. But it is such a battle. 1077 01:26:35.000 --> 01:26:42.600 That's why it's always best to do your due diligence beforehand rather than trying to 1078 01:26:42.760 --> 01:26:48.880 figure out what you can get from them. Now, there's another thing called 1079 01:26:48.960 --> 01:26:57.439 mitigation of damages. For example, if you lose something as a result of 1080 01:26:57.479 --> 01:27:02.439 it not working, and you're on vacation, like scuba gear, and you 1081 01:27:02.479 --> 01:27:05.520 want to sue as you weren't able to scuba dive, and you went all 1082 01:27:05.560 --> 01:27:10.319 the way there just to scuba dive, you have to show that there was 1083 01:27:10.359 --> 01:27:15.279 no way to mitigate that. Why didn't you rent scuba gear where you were 1084 01:27:15.399 --> 01:27:19.880 even though it wasn't optimal. At least you would have done some scuba diving, 1085 01:27:20.279 --> 01:27:24.800 and you wouldn't go after the scuba place here who rented it to you 1086 01:27:25.479 --> 01:27:30.560 for all of the loss. So there is an obligation at times to do 1087 01:27:30.680 --> 01:27:39.560 what you can to lessen your loss, to mitigate your losses and that's a 1088 01:27:39.640 --> 01:27:45.239 foundation of many, many, many lawsuits in the past. Did you try 1089 01:27:45.760 --> 01:27:51.520 to mitigate your damage? Did you try to make good with what you had 1090 01:27:53.000 --> 01:28:01.359 or lose the least amount. One of these things happened with roofing or plate 1091 01:28:01.439 --> 01:28:09.720 glass windows from store owners. They lose the front window at their store now 1092 01:28:10.039 --> 01:28:14.880 in a storm or in a windstorm, or in vandalism. Obviously they're not 1093 01:28:15.000 --> 01:28:18.920 responsible for that damage. But if they say to themselves the hell with this 1094 01:28:19.000 --> 01:28:24.680 and they go home, or they just ignore it and their store is looted, 1095 01:28:25.319 --> 01:28:30.239 if they had the opportunity to board it up the best they could and 1096 01:28:30.359 --> 01:28:35.039 to make it more secure, then they don't just get to run. They 1097 01:28:35.039 --> 01:28:40.720 don't just get to collect on everything that they lost as a result of that 1098 01:28:40.760 --> 01:28:44.920 windstorm. They have an obligation. They don't have to make it perfect, 1099 01:28:45.319 --> 01:28:48.880 but they have an obligation to try to mitigate those losses. So when that 1100 01:28:48.920 --> 01:28:54.319 guy called about his boat, you know what, I sense his frustration. 1101 01:28:55.039 --> 01:29:02.800 But consequential damages are very seldom awarded. There's something else when it comes to 1102 01:29:02.880 --> 01:29:09.319 shipping things. I once had a guy who tried to make the argument that 1103 01:29:09.479 --> 01:29:15.399 because he used I think it was FedEx or one of the services to send 1104 01:29:16.239 --> 01:29:23.079 payment and contracts back and forth, and they were lost. He lost out 1105 01:29:23.119 --> 01:29:28.239 on a real estate deal. Therefore, the real estate deal would have been 1106 01:29:28.279 --> 01:29:32.560 worth x amount of dollars to him and he lost it. That is such 1107 01:29:32.560 --> 01:29:41.960 a stretch because those taking on the service of delivering something never agreed with you 1108 01:29:42.479 --> 01:29:46.279 that they're going to be liable for a million dollars. Had they said, 1109 01:29:46.399 --> 01:29:50.640 Okay, this is a million dollars you want me to take responsibility for, 1110 01:29:53.199 --> 01:29:57.399 then you're going to pay accordingly. You don't just get to pay a normal 1111 01:29:57.520 --> 01:30:01.880 rate and then claim some down the road that you lost a million dollars as 1112 01:30:01.880 --> 01:30:08.239 a result of it. That goes for all kinds of claims. Three oh 1113 01:30:08.359 --> 01:30:13.800 three seven one three talk seven one three eight two five five. The most 1114 01:30:13.880 --> 01:30:23.279 trusted brands in the United States for twenty twenty three and part of twenty four. 1115 01:30:23.760 --> 01:30:28.159 What do you think the number one brand? I mean, there are 1116 01:30:28.199 --> 01:30:31.079 so many brands it's almost impossible. But if you had to take a stab 1117 01:30:31.119 --> 01:30:36.800 at it, could you name any of them in the top ten? Any 1118 01:30:36.840 --> 01:30:44.520 of the most trusted brands. Now this is based on sales surveys, satisfaction 1119 01:30:44.720 --> 01:30:53.439 surveys et cetera. And this is put together by Mourning Consult. It's a 1120 01:30:53.560 --> 01:30:59.560 brand intelligence, a company that does research. Okay, what is the number 1121 01:30:59.600 --> 01:31:01.159 one brand? If you had to take a guess, what is it? 1122 01:31:02.439 --> 01:31:08.880 I never would have picked this Toyota. Let me see if you actually it's 1123 01:31:08.880 --> 01:31:11.239 not even in the top ten. I'm not saying it's bad. No, 1124 01:31:11.720 --> 01:31:15.359 can you just try to name anything in the top ten, Just any brand. 1125 01:31:15.560 --> 01:31:20.119 I know it's so open it's difficult, but name something that comes to 1126 01:31:20.159 --> 01:31:28.920 mind. Uh yamaha. Kelly's saying Amazon is Amazon brand. She's right, 1127 01:31:29.039 --> 01:31:31.840 she found one in the top ten. I'll tell you what number it is 1128 01:31:31.920 --> 01:31:35.359 after the break. But Amazon's in the top ten. What else would you 1129 01:31:35.439 --> 01:31:40.880 think? Here's one that shocks me. There's only one here that shocks me. 1130 01:31:41.039 --> 01:31:45.520 Sony. Sony's not in the top ten. Cheerios. Cheerios in the 1131 01:31:45.560 --> 01:31:51.079 top ten. Cheerios You're good for your heart? Well maybe Mark, maybe 1132 01:31:51.119 --> 01:31:55.199 the marketing did that. He could be right on that. They're their own 1133 01:31:55.199 --> 01:32:00.399 brand. They're not like General Mills or Post. And it says cheerios nut 1134 01:32:01.840 --> 01:32:05.119 Oh, I'm sorry, hold on, hold on, no, No, 1135 01:32:05.199 --> 01:32:11.760 it's Cheerios cereal. Yeh, it's Cherio cereal It. Yeah, so Amazon's 1136 01:32:11.800 --> 01:32:20.520 there, Cheerios is there. We'll talk about more coming up. Go with 1137 01:32:20.600 --> 01:32:25.800 a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a 1138 01:32:25.880 --> 01:32:32.800 cent until you're content. Time for an insurance checkup free, no obligation comparison 1139 01:32:32.920 --> 01:32:39.039 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 1140 01:32:39.039 --> 01:32:42.600 now three oh three seven seven to one help. You'll think you're his only 1141 01:32:42.680 --> 01:32:45.479 customer when you choose Frank durand the real estate Man dot com to list your 1142 01:32:45.520 --> 01:32:53.600 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi 1143 01:32:53.760 --> 01:32:57.640 Tom Martino here three oh three seven one three talks seven one three eight two 1144 01:32:57.640 --> 01:33:02.119 five five Kachina Chlory was able to identify one of the top ten most trusted 1145 01:33:02.119 --> 01:33:08.600 brands according to this latest survey, and Amazon is in position number three. 1146 01:33:08.920 --> 01:33:14.920 We've been brainstorming back here, what about Apple, Google or Now, by 1147 01:33:14.920 --> 01:33:17.319 the way, this is general brands of all categories. I'm going to break 1148 01:33:17.319 --> 01:33:21.720 down categories. But of all categories, Cheerios is number six. Now I'm 1149 01:33:21.720 --> 01:33:26.039 going to read the top ten because there's no rhyme or reason. But these 1150 01:33:26.079 --> 01:33:30.399 now, remember these are based not just on sales, okay, it's sales 1151 01:33:30.439 --> 01:33:38.000 per it's not really sales, it's satisfaction, and it's positive impressions, and 1152 01:33:38.239 --> 01:33:44.159 it is loyalty okay. And it's based on the survey by Morning consult. 1153 01:33:44.600 --> 01:33:49.239 Now remember one year is Mark still on Okay. One year Mark really criticized 1154 01:33:49.279 --> 01:33:54.520 this because he said they were way off. They had some wild ass stuff 1155 01:33:54.560 --> 01:33:58.520 on this list. But here's what they have this year. Number one is 1156 01:33:58.600 --> 01:34:04.239 band aid. I am suck on bend Aids because bandes suck on me anyway, 1157 01:34:04.520 --> 01:34:10.079 band Aids right. Number two, Now, I totally disagree with this 1158 01:34:10.119 --> 01:34:14.319 one. I think they're one of the worst companies in the world. Not 1159 01:34:14.439 --> 01:34:17.560 in the world, I'm sorry, but they're terrible. They have no accountability, 1160 01:34:17.880 --> 01:34:23.039 they don't honor claims, and that's ups. But it's number two on 1161 01:34:23.079 --> 01:34:29.239 the top ten. Number two ups. Number three Amazon, I can see 1162 01:34:29.239 --> 01:34:33.840 that. I have never had a problem with Amazon. You need customer service. 1163 01:34:33.920 --> 01:34:36.920 Whatever you want, you want to return something, you know, go 1164 01:34:36.960 --> 01:34:40.800 and run it over with your truck and return it. I mean, it's 1165 01:34:40.920 --> 01:34:46.119 just amazing. Number four I suspect has to do with COVID I do, 1166 01:34:46.479 --> 01:34:50.560 I really do. Even though we're out of COVID. I think a lot 1167 01:34:50.600 --> 01:34:56.239 of people they were wiped off of store shelves, and a lot of people 1168 01:34:56.479 --> 01:35:04.439 toilet paper liesol Oh, but speaking of paper. Number five is Kleenex, 1169 01:35:05.640 --> 01:35:12.199 the brand Kleenex, not tissues. I mean they are tissues, but people 1170 01:35:12.319 --> 01:35:17.600 use them interchangeably. Okay. Cheerios is number six. Why number seven is 1171 01:35:17.640 --> 01:35:27.720 a credit card? I have no idea visa number eight. Never would I 1172 01:35:27.800 --> 01:35:31.920 believe this ever, because I don't. And it's a bar, it's not 1173 01:35:32.079 --> 01:35:36.479 a liquid I've not used a soap bar. Well, I do. Can't 1174 01:35:36.479 --> 01:35:42.319 even remember last time I used the soap bar of soap, but Dove soap, 1175 01:35:42.840 --> 01:35:45.119 Dove, not the soft sup but Dove. I use liquid stuff. 1176 01:35:45.119 --> 01:35:48.359 Well do you ever use a bar of soap ever? On the hand stuff? 1177 01:35:48.359 --> 01:35:53.439 I pump. Come on, chopper, you don't use a bar of 1178 01:35:53.439 --> 01:35:58.199 soap in the shower this morning. You guys are old farts. You can't 1179 01:35:58.319 --> 01:36:03.600 use a bar of soap shower gel like I use axe baby or something like 1180 01:36:03.640 --> 01:36:09.960 that, you know. Anyway? Fourteen? Anyway, that's number eight. 1181 01:36:10.079 --> 01:36:15.760 Number nine the Weather Channel, I swear to you, the Weather Channel. 1182 01:36:15.319 --> 01:36:21.319 These are the most trusted brands in the United States number ten FedEx. Can 1183 01:36:21.359 --> 01:36:28.600 you believe on the top ten there's two shipping companies three Amazon's like a shipping 1184 01:36:28.760 --> 01:36:31.520 You're right, you're right. So what do you think about those mark this 1185 01:36:31.640 --> 01:36:35.560 year? Remember that one year you totally disputed, you said this is the 1186 01:36:35.560 --> 01:36:39.640 most stupid. Oh I thought I heard them. Okay, I'm sorry, 1187 01:36:39.720 --> 01:36:48.279 all right. Now let's talk about four travel and hospitality again. So many 1188 01:36:48.319 --> 01:36:55.640 of these I disagree with. There's an airline on there. There are one, 1189 01:36:55.720 --> 01:37:01.199 two, three, four, five hotels, hotels, and there a 1190 01:37:01.199 --> 01:37:06.840 travel site. What airline would you think is in the top ten for satisfaction 1191 01:37:08.319 --> 01:37:14.199 and popularity? Trust and trust is what they say. My gut wants to 1192 01:37:14.199 --> 01:37:18.000 say Southwest, just because I know that they're cheap and reliable. It's pretty 1193 01:37:18.000 --> 01:37:23.720 hard. I would have thought either Southwest or Delta. Probably yeah, United 1194 01:37:23.800 --> 01:37:28.199 or Delta. You never hear bad things about Delta, But it's United United 1195 01:37:28.239 --> 01:37:33.840 Airlines. They're number nine now. The number one trusted brand and travel and 1196 01:37:33.920 --> 01:37:41.039 hospitality is Holiday inn. I don't think I never I don't see Holiday inns 1197 01:37:41.039 --> 01:37:44.079 anymore. My eyes just a gloss over them. I I don't think I've 1198 01:37:44.119 --> 01:37:47.520 stayed in a holiday in uh. Number two, what were you to say, 1199 01:37:47.560 --> 01:37:51.399 dollar, No, I see holiday inns all the time. They're nice. 1200 01:37:51.760 --> 01:37:56.640 Yeah they are, okay. I don't doubt that. Number two is 1201 01:37:57.000 --> 01:38:01.199 Triple A motor Club. Actually it's not the motor club, it's the travel 1202 01:38:01.239 --> 01:38:09.159 agency AAA Travel. Number three is Marriott, now the Marriott chain. They're 1203 01:38:09.239 --> 01:38:13.199 good. I like Hyatt personally, and Hyatt does come in here, but 1204 01:38:13.439 --> 01:38:20.239 forrest Hilton. Five is trip Advisor. I've not used that one. Six 1205 01:38:20.359 --> 01:38:25.920 is Hyatt. This is just for twenty three twenty four. Number seven is 1206 01:38:25.960 --> 01:38:32.840 Expedia, number eight, Best Western, number nine. That's where United comes 1207 01:38:32.920 --> 01:38:40.399 in and tend the comfort in. So that's travel and hospitality. But you 1208 01:38:40.399 --> 01:38:45.560 would be shocked around the country, I mean around the world where things are 1209 01:38:45.560 --> 01:38:51.760 most popular. Like Dragon mentioned Toyota it is the number one brand in Japan, 1210 01:38:54.199 --> 01:39:00.359 And what do you think Alipe is the number one in China? Alli 1211 01:39:00.479 --> 01:39:05.000 pay is that part of Ali Baba. It's a phone, OLLI pay. 1212 01:39:05.720 --> 01:39:12.239 It just says Ali pay. I haven't and Toyo so Toyota PayPal? Do 1213 01:39:12.279 --> 01:39:15.680 you know where PayPal is number one? Why? I have no idea Germany? 1214 01:39:16.760 --> 01:39:20.680 In the United States, it's band aids. Of course, Google is 1215 01:39:20.760 --> 01:39:31.800 number one in two countries, India and France. And Boots it just says 1216 01:39:31.840 --> 01:39:35.600 Boots. I think, yeah, they're Boots. In the United Kingdom, 1217 01:39:36.199 --> 01:39:43.439 In Italy, What's App is the most trusted brand, and in South Korea 1218 01:39:44.119 --> 01:39:50.760 Samsung just some weird stats there. Three oh three seven to one three talk, 1219 01:39:50.920 --> 01:39:54.399 or you can call three oh three Martino. And by the way, 1220 01:39:54.760 --> 01:39:58.600 you can call that honor off the air, and when we're not here, 1221 01:39:58.960 --> 01:40:05.199 if you leave a message, we'll get back to you. Go with a 1222 01:40:05.239 --> 01:40:10.600 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1223 01:40:10.800 --> 01:40:16.560 until you're content. Time for an insurance check up free, no obligation. 1224 01:40:16.600 --> 01:40:21.560 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 1225 01:40:21.600 --> 01:40:26.079 companies find out now three all three seven to seven to one help. You'll 1226 01:40:26.119 --> 01:40:29.960 think you're his only customer when you choose Frank durand the real estate Man dot 1227 01:40:29.960 --> 01:40:33.680 com to list your home with Remax Alliance three oh three nine two zero sixteen 1228 01:40:33.760 --> 01:40:40.000 twenty two. Hey, I'm Tom Martino here. Welcome to the show. 1229 01:40:40.039 --> 01:40:43.479 Three o three seven to one three Talks seven one three eight two five five 1230 01:40:43.800 --> 01:40:46.319 Frank durand the real Estate Man for free market valuations. If your home, 1231 01:40:46.560 --> 01:40:49.359 what does that mean? You know, if you're thinking about selling, upgrading, 1232 01:40:49.439 --> 01:40:53.479 moving across town, moving out of town, you want to know what 1233 01:40:53.520 --> 01:40:56.039 your house will sell for. You also want to know what you'll net and 1234 01:40:56.039 --> 01:40:59.119 what you can buy. He can do a full analysis, not just for 1235 01:40:59.159 --> 01:41:01.359 the Denver market, but wherever you want to move. And it's free, 1236 01:41:01.720 --> 01:41:06.159 truly, no tricks, no gimmicks. He's been servicing people like this for 1237 01:41:06.279 --> 01:41:12.199 years and that's how he's gained his great reputation. Three oh three nine to 1238 01:41:12.399 --> 01:41:16.399 zero, sixteen twenty two Frank durand the real Estate Man dot com. Now 1239 01:41:17.079 --> 01:41:20.720 let's talk to Gregory, who wants to talk about a contractor. Hi, 1240 01:41:20.760 --> 01:41:27.520 Gregory, what's going on with you? Hello? Tom, Thanks for taking 1241 01:41:27.560 --> 01:41:31.840 my call. What's happening is, there's a lot going on, and I 1242 01:41:31.880 --> 01:41:35.640 totally did not expect to be talking to you, to be honest with you, 1243 01:41:35.760 --> 01:41:39.920 I just wanted to, well, let's find out. Let's go pick 1244 01:41:40.000 --> 01:41:45.199 my brain. What's going on? Man? All right? I need to 1245 01:41:45.239 --> 01:41:47.840 open up my notes to make sure sure act. But you can also just 1246 01:41:47.880 --> 01:41:51.520 give me some general information as well, and we don't need exact details in 1247 01:41:51.520 --> 01:42:00.399 the beginning, but go ahead, okay. We we had a contract to 1248 01:42:00.399 --> 01:42:09.600 come out in early October and in November time frame, and we found what 1249 01:42:09.800 --> 01:42:14.199 we were looking for, which is to get an overlay on our concrete. 1250 01:42:14.600 --> 01:42:19.279 And did you actually did you actually hire the contractor? We did hire the 1251 01:42:19.319 --> 01:42:27.560 contract and who is it? Who is the contractor? The This is where 1252 01:42:27.600 --> 01:42:30.039 I wasn't prepared and I, oh, it's okay. So you hired a 1253 01:42:30.079 --> 01:42:35.560 contractor in November to do an overlay. What happened? Basically they were able 1254 01:42:35.600 --> 01:42:42.079 to do the sidewalk first, which was a rip out and repair replace rather 1255 01:42:42.399 --> 01:42:45.920 okay, and that was fine. That was part of the deal, and 1256 01:42:45.960 --> 01:42:54.319 then we had plans after that to start the overlays on the concrete. Now, 1257 01:42:54.359 --> 01:42:59.439 when you talk about an overlay, people use that expression for different things. 1258 01:42:59.880 --> 01:43:03.560 Is is it an overlay like a coating or is it an overlay like 1259 01:43:03.640 --> 01:43:11.199 another lift? Like two inches? Well, the minimum, I'm sorry, 1260 01:43:11.199 --> 01:43:15.600 the maximum is around a half of an inch to three quarter. We've since 1261 01:43:15.760 --> 01:43:20.720 had it done correctly, yeah, because overlays hardly ever work. When you 1262 01:43:20.800 --> 01:43:26.720 say you had it done correctly, did they do just a thin layer like 1263 01:43:26.760 --> 01:43:35.479 that that worked. They did Our concrete was excellent in order to have it 1264 01:43:35.960 --> 01:43:42.079 be accepted because it was in such good shape with no cracks. It's just 1265 01:43:42.399 --> 01:43:46.560 it was flaking in just a So what did they did they beat? So? 1266 01:43:46.640 --> 01:43:50.800 Did they kind of like rough up, scuff up the surface, sand 1267 01:43:50.840 --> 01:43:57.479 it down, grind it and then overlay. The first company that ran off 1268 01:43:57.520 --> 01:44:01.239 with money did not the second company. I'm very interested. Listen. I 1269 01:44:01.279 --> 01:44:08.359 am very interested because I have not heard of many successful overlays. How how 1270 01:44:08.399 --> 01:44:15.920 long has that second company's job been the been complete? That was completed last 1271 01:44:15.920 --> 01:44:19.640 week? Wow? Okay, so the longevity hasn't been proven, but I 1272 01:44:19.680 --> 01:44:24.680 hope it does. Now hold on and we'll come back to how to go 1273 01:44:24.720 --> 01:44:28.720 after this older company that ran off with money. I don't like hearing that 1274 01:44:28.800 --> 01:44:30.520 at all. If you've been just to hold for a few minutes, I'll 1275 01:44:30.560 --> 01:44:34.239 come right back to first out of the gate. I'm Tom Martinez. You're 1276 01:44:34.279 --> 01:44:42.039 listening to the Troubleshooter Show on six thirty KHW. Go with a sure thing 1277 01:44:42.159 --> 01:44:45.560 Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're 1278 01:44:45.640 --> 01:44:55.119 contenth time for an insurance check. Up free no obligation comparison call Compass Insurance 1279 01:44:55.279 --> 01:44:59.279 paying too much your coverage at dozens of insurance companies. Find out now three 1280 01:44:59.279 --> 01:45:02.119 oh three seven seven to one help. You'll think you're his only customer when 1281 01:45:02.159 --> 01:45:05.880 you choose Frank durand the real estate Man dot com to list your home with 1282 01:45:06.000 --> 01:45:17.920 Remax Alliance three all three nine two zero sixteen twenty two, Ripped News. 1283 01:45:18.880 --> 01:45:26.359 You need advice who you don't have? Come running as sass as a cam 1284 01:45:27.600 --> 01:45:33.000 Shooter's gonna help. Come man, This is the Troubleshooter Show. Now, 1285 01:45:33.520 --> 01:45:39.279 Tom Martino, Hi, Tom Martino here, Welcome to the show. Three 1286 01:45:39.359 --> 01:45:44.079 oh three seven one three talk three all three seven one three eight two five 1287 01:45:44.279 --> 01:45:47.119 five. What is going on? And how can we help you? This 1288 01:45:47.199 --> 01:45:51.119 hour brought to you by Dan mackenzie for a state planning. If you need 1289 01:45:53.039 --> 01:45:57.560 a will, a trust, or any combination thereof, or you want to 1290 01:45:58.439 --> 01:46:03.880 get together an estate plan. Dan McKenzie he is available and he's a great 1291 01:46:03.920 --> 01:46:09.840 guy. We've known him for a few years now, Dan McKenzie, McKenzie 1292 01:46:09.960 --> 01:46:16.840 Law. And here's the number eight three to three COO Plans eight three three 1293 01:46:17.079 --> 01:46:26.520 co Plans or the website co plans. Dot COO Gregory wants to talk about 1294 01:46:26.520 --> 01:46:30.880 this now where we left off, as he hired a contractor in November to 1295 01:46:30.880 --> 01:46:35.079 do concrete overlay in some replacement. The first company ran off with money and 1296 01:46:35.199 --> 01:46:39.319 did not do the job or did not do it correctly? Which one is 1297 01:46:39.359 --> 01:46:44.600 it? They did not do the job, and Tom, I just wanted 1298 01:46:44.600 --> 01:46:47.000 to let you know I connected to my wife. She's also on the line, 1299 01:46:47.079 --> 01:46:57.520 Teresa Good. She was the frontline in dealing with with l Now are 1300 01:46:57.560 --> 01:47:01.520 you the first company that took off with the money? They did absolutely no 1301 01:47:01.680 --> 01:47:09.000 work at all, because that can turn into a criminal complaint. They did 1302 01:47:09.560 --> 01:47:14.960 what they did the sidewalk, you know, which just was the re ripout 1303 01:47:15.000 --> 01:47:20.439 and replace right? And how much? And then how much was the whole 1304 01:47:20.560 --> 01:47:29.119 job supposed to be? Hi, Thomas, Teresa, My entire project was 1305 01:47:29.720 --> 01:47:32.560 twelve was supposed to be twelve thousand, seven hundred and fifty six dollars. 1306 01:47:32.640 --> 01:47:36.039 Okay, Now, just the first company, how much did you pay them 1307 01:47:36.119 --> 01:47:43.880 in full? So far? The first company only yes, So we paid 1308 01:47:44.000 --> 01:47:49.319 them out of pocket and the street hold on here for me just quickly time 1309 01:47:49.600 --> 01:47:59.760 three would be five hundred and sixty seven dollars okay, so about ninety five. 1310 01:48:00.199 --> 01:48:05.560 Now here's the deal. So they did part of the work and took 1311 01:48:05.640 --> 01:48:14.560 off basically, yes, okay, And there was a lot of communication going 1312 01:48:14.600 --> 01:48:21.119 on for why and what is the contractor's name? So the name of the 1313 01:48:21.199 --> 01:48:29.880 company that he supposedly owns is Custom Design Concrete and his name is Alfred or 1314 01:48:29.920 --> 01:48:39.199 exposed by L Servants CEV I'm sorry c E r V A N t ees. 1315 01:48:39.880 --> 01:48:45.279 Okay. So Servantes does part of the job and then walks off the 1316 01:48:45.359 --> 01:48:48.760 job. Now, can you, for argument's sake here just to help you, 1317 01:48:49.199 --> 01:48:51.760 because I know you're going to ask about what to do about this? 1318 01:48:53.800 --> 01:48:59.159 The part that he how much value did you get for the ninety five hundred? 1319 01:49:00.880 --> 01:49:05.439 I well, I believe what he took from us and owes us is 1320 01:49:05.479 --> 01:49:11.119 thirty one hundred and eighty nine or thirty four hundred, So you feel so 1321 01:49:11.199 --> 01:49:16.640 you feel you got about six grand worth of work exactly? Okay? And 1322 01:49:16.760 --> 01:49:23.479 what does he say about this? Or can you not find him? We've 1323 01:49:23.520 --> 01:49:28.479 been communicating by text messages, but then it finally ceased. He doesn't reply 1324 01:49:28.560 --> 01:49:33.680 at all anymore. He is denying. Well, basically, he just continued 1325 01:49:33.720 --> 01:49:35.560 to say he was going to come out, come out, come out, 1326 01:49:35.600 --> 01:49:40.319 and do the job. Never did. And you know he was going to 1327 01:49:40.359 --> 01:49:45.600 have this done for us by December, and we were finally set up because 1328 01:49:45.640 --> 01:49:47.880 we have no we have no patio furniture in our back. Everything was just 1329 01:49:47.920 --> 01:49:54.479 a disaster. He had tried to put an overlay and it turned out. 1330 01:49:54.479 --> 01:49:57.159 I mean, I have pictures. It's horrible. It was Wait a minute, 1331 01:49:57.640 --> 01:50:00.159 so wait, wait, whoa, whoa. So when you said he 1332 01:50:00.199 --> 01:50:03.880 did the replacement and took off, he really didn't. He attempted to do 1333 01:50:03.920 --> 01:50:13.600 the overlay, like maybe not even not even a fourth of the overlay. 1334 01:50:13.720 --> 01:50:16.319 Okay, I got it. Do you think he realized he was over his 1335 01:50:16.439 --> 01:50:20.600 head and took off or do you think it was his intention to rip you 1336 01:50:20.640 --> 01:50:27.520 off? No? Yeah, well I think both. Actually, if I 1337 01:50:27.520 --> 01:50:32.039 were to be really honest, Joy was sick in December. He gave us 1338 01:50:32.680 --> 01:50:36.680 I which I'm you know, I'm sorry if anybody ever lies about this, 1339 01:50:36.800 --> 01:50:43.800 but he said that he had stage four liver cancer and we gave him lots 1340 01:50:43.840 --> 01:50:47.199 of space. Do you think he's lying? Do you think he's lying at 1341 01:50:47.239 --> 01:50:54.640 this point? Yes? Okay, Now, next question, what did the 1342 01:50:54.720 --> 01:50:59.720 second company do? Is everything cool? Right, now with the second company, 1343 01:51:00.159 --> 01:51:03.840 Yeah, how much did you pay them to how much did you pay 1344 01:51:03.880 --> 01:51:09.239 them to complete the job? Greg, do you remember off the top of 1345 01:51:09.239 --> 01:51:15.279 your head. I would have to look hold on I believe Okay, so 1346 01:51:15.399 --> 01:51:20.000 the numbers work out basically. Basically, this guy was in over his head. 1347 01:51:20.039 --> 01:51:25.359 He took off, but under the Contractor's Trust Act, he's not allowed 1348 01:51:25.359 --> 01:51:29.920 to be paid ahead and keep the money. It's a slam dunk to get 1349 01:51:29.920 --> 01:51:33.000 the money back in small claims court to get a judgment, but then he 1350 01:51:33.079 --> 01:51:35.920 may not have a dime to go after. What do you know about this 1351 01:51:36.279 --> 01:51:45.119 Servantes? He said that he was short at one point and needed an advanced 1352 01:51:45.319 --> 01:51:49.720 payment in December to pay his employees that he hadn't paid profile And that's when 1353 01:51:49.880 --> 01:51:53.359 Teresa was nice, No, no, I get it. But what do 1354 01:51:53.399 --> 01:51:58.640 you know about him now? Is he still working? I believe so. 1355 01:51:59.079 --> 01:52:03.560 I believe so because he's actually told me that he in several occasions that he 1356 01:52:03.680 --> 01:52:06.680 said he was going to a job and that yep, he's got me on 1357 01:52:06.720 --> 01:52:10.880 the schedule. He was going to you know, be over in a couple 1358 01:52:10.920 --> 01:52:14.760 of days, and then it went from one line to the next to the 1359 01:52:14.800 --> 01:52:19.439 next. So yes, I do believe he is working. Okay, last 1360 01:52:19.520 --> 01:52:25.359 conversation Tom was he said he needed new material that helps it bond better. 1361 01:52:26.000 --> 01:52:30.279 And I asked for the name of the company that he was checking with on 1362 01:52:30.359 --> 01:52:34.000 this bonding material. He said it would be available July nineteenth, and I 1363 01:52:34.079 --> 01:52:38.560 said, can I please get the name of that? This was via text. 1364 01:52:38.760 --> 01:52:42.399 He never received returns calls. All right, so I please get the 1365 01:52:42.439 --> 01:52:45.079 company now, right, We're going to We're going to get somebody. We're 1366 01:52:45.079 --> 01:52:46.720 going to get somebody to try to go after him. But here's the deal. 1367 01:52:46.840 --> 01:52:49.840 Remember, it's only as good as this guy. I mean, if 1368 01:52:49.880 --> 01:52:54.479 the guy's a total shlock, I'm not sure there's much you can do. 1369 01:52:54.560 --> 01:53:00.119 But I also suggest that you try. He just get it a record, 1370 01:53:01.039 --> 01:53:08.760 to get a letter from this new contractor and maybe go after the other guy 1371 01:53:08.800 --> 01:53:13.960 for the thirty five hundred bucks or whatever and do it. Just go after 1372 01:53:14.000 --> 01:53:16.520 him small claims court, show what was done, show what you paid, 1373 01:53:17.399 --> 01:53:20.800 and show what he owes. He's not going to show up. You'll probably 1374 01:53:20.800 --> 01:53:27.199 get a judgment. But I want to tell you something that's not entirely useless, 1375 01:53:27.920 --> 01:53:30.520 even with a deadbeat. Let me explain something. If you get a 1376 01:53:30.640 --> 01:53:35.720 judgment. It stays on there for many years, and you can go after 1377 01:53:35.760 --> 01:53:42.119 accounts receivable if you find out where he's working. You can go after tools, 1378 01:53:42.199 --> 01:53:45.720 you can go after equipment, you can go after vehicles. Unless this 1379 01:53:45.800 --> 01:53:51.960 guy is such a cheater he has planned for all of this. Yeah, 1380 01:53:53.680 --> 01:53:56.920 that's what it feels like, honestly. And that's a great way to describe 1381 01:53:56.960 --> 01:54:01.840 it. Now from the letter of the current contractor, event include what they 1382 01:54:01.880 --> 01:54:06.880 had to witness as far as his shoddy workmanship. Well, well, no, 1383 01:54:08.039 --> 01:54:13.439 here's what you need to know. You need to have valued what he 1384 01:54:13.600 --> 01:54:17.279 did and how much you're owed. That's all you need. So in other 1385 01:54:17.319 --> 01:54:23.920 words, you paid ninety five hundred and according to this new contractor, what 1386 01:54:24.039 --> 01:54:29.640 he did was only worth this amount of money, and that's it, you 1387 01:54:29.680 --> 01:54:33.800 know. And maybe if he cost you money with the bad overlay that had 1388 01:54:33.880 --> 01:54:38.600 to be removed, then you subtract that. So at the end you have 1389 01:54:38.640 --> 01:54:42.159 a net loss or a net gain or whatever. It's not going to be 1390 01:54:42.159 --> 01:54:45.079 a gain. So what is your net loss after dealing with him? And 1391 01:54:45.119 --> 01:54:48.880 that's a very reasonable way to go about it. Now, I'm also going 1392 01:54:48.920 --> 01:54:54.000 to let Deputy Dollar give him a call on one of our people right here. 1393 01:54:54.079 --> 01:54:56.800 We call him a nickname, Deputy Dollar. We're going to have him. 1394 01:54:57.039 --> 01:55:00.079 We're going to see if we can get a hold of this guy and 1395 01:55:00.000 --> 01:55:04.039 and maybe scare him about the Contractor's Trust Act, because when they knowingly keep 1396 01:55:04.079 --> 01:55:09.239 funds that have not been applied to a job, it can turn criminal. 1397 01:55:11.279 --> 01:55:15.119 Okay, now where you located? In general, don't give me your address, 1398 01:55:15.159 --> 01:55:21.560 but where you located we felt, Okay, hold on a second, 1399 01:55:21.600 --> 01:55:26.479 Deputy Dollar, I'm going to give this to you. Let's see if we 1400 01:55:26.520 --> 01:55:31.600 can scare him into giving them a three grand or so. Meanwhile, Gregory 1401 01:55:31.640 --> 01:55:36.159 and Teresa Dollar will also go over with you how to go online and start 1402 01:55:36.159 --> 01:55:46.199 that small claim suit. Go with a sure thing Denver's Best roofer Excel roofing 1403 01:55:46.319 --> 01:55:53.840 dot com. You don't pay a cent until you're content. Time for an 1404 01:55:53.840 --> 01:55:58.079 insurance check up free, no obligation. In comparison, call Compass Insurance. 1405 01:55:58.239 --> 01:56:01.239 Pay too much your coverage? Does of insurance companies? Find out now three 1406 01:56:01.239 --> 01:56:05.039 oh three seven seven to one help. You'll think you're his only customer when 1407 01:56:05.119 --> 01:56:09.840 you choose Frank durand the real estate Man dot com to list your home with 1408 01:56:09.960 --> 01:56:18.199 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino 1409 01:56:18.279 --> 01:56:20.880 here, Welcome to the show. Three O three seven one three eight two 1410 01:56:20.920 --> 01:56:27.520 five five. Let's talk to Cameo. Cameo, what's going on? Well, 1411 01:56:27.680 --> 01:56:32.840 yes, my daughter is supposed to be receiving child support and now hold 1412 01:56:32.840 --> 01:56:39.840 on, does she have a court order for child support? Yes? And 1413 01:56:39.840 --> 01:56:45.119 and and it's for how many kids? One? Okay? Go ahead, 1414 01:56:45.159 --> 01:56:51.199 dear, Okay, so there was there's just a lot of information, long 1415 01:56:51.239 --> 01:56:56.880 story shorts. My daughter's been receiving eighty two dollars a week for child support, 1416 01:56:56.920 --> 01:56:59.199 which I mean, let's be honest, it doesn't even begin to cover 1417 01:56:59.319 --> 01:57:03.479 foods, right, right, right, anxiety. But that's besides the point. 1418 01:57:03.520 --> 01:57:06.920 So eighty two dollars a week last week? Got it the same text 1419 01:57:08.000 --> 01:57:11.960 message? That does it actually read eighty two dollars a week and not per 1420 01:57:12.000 --> 01:57:15.439 month? Correct? Okay, that's weird. Okay, go ahead. And 1421 01:57:15.520 --> 01:57:21.039 it's an actual court order. And is this the biological father? Correct? 1422 01:57:21.319 --> 01:57:27.199 Were they ever married? Yes, we are technically still married. I left 1423 01:57:27.239 --> 01:57:30.399 him over two years ago. Oh it's you. I'm talking to you. 1424 01:57:30.720 --> 01:57:34.039 I thought you said your daughter or you have a daughter. Yeah, my 1425 01:57:34.119 --> 01:57:36.880 daughter is a miner. I get it. Okay, dear, I get 1426 01:57:36.880 --> 01:57:42.840 it now, go ahead, cameo right, okay, So there's Last week 1427 01:57:42.920 --> 01:57:45.520 I got the same text message that eighty two dollars would be deposited into my 1428 01:57:45.600 --> 01:57:51.319 account because she's a minor. And is it taken out of the by the 1429 01:57:51.439 --> 01:57:59.279 childcare registry or is it done by him voluntarily sending a check? No, 1430 01:57:59.439 --> 01:58:02.640 he wouldn't voluntarily help anything or anybody. He owes over one hundred k in 1431 01:58:02.760 --> 01:58:08.159 child support for his other children that he claimed many children. So hold on, 1432 01:58:08.279 --> 01:58:12.119 So does the county take it out for you? Or the state? 1433 01:58:12.319 --> 01:58:15.199 Yeah, okay, go ahead. I think it's a Rappahoe County. But 1434 01:58:15.359 --> 01:58:19.640 they have been doing weird stuff to my account, and well, what's going 1435 01:58:19.680 --> 01:58:25.600 on? What's the problem. So last week I got the same text message 1436 01:58:25.600 --> 01:58:29.359 that it would be deposited into my account, and I know it was a 1437 01:58:29.359 --> 01:58:32.079 holiday, so I didn't It wasn't there when it was normally there, So 1438 01:58:32.119 --> 01:58:34.399 I waited a few days. I was like, okay, it's probably because 1439 01:58:34.439 --> 01:58:39.119 of the holiday. And then I noticed I was going to log in to 1440 01:58:39.199 --> 01:58:42.039 make sure that everything was okay, and the piece of paper that I had 1441 01:58:42.079 --> 01:58:45.520 my username and my password was ripped off of the bottom, so I was 1442 01:58:45.560 --> 01:58:48.640 like, okay, well somebody probably took that. Wait a minute, I 1443 01:58:48.760 --> 01:58:56.319 ripped off the bottom of what So when when I first got child support, 1444 01:58:56.399 --> 01:59:00.840 they sent a letter with information on where to sign up for an account, 1445 01:59:00.840 --> 01:59:04.960 on how we received them right, And when I email them, they're like, 1446 01:59:05.039 --> 01:59:09.159 oh, yeah, it looks like it's been you ordered a card and 1447 01:59:09.239 --> 01:59:11.960 the money's been going to your card, and now it's going to your account. 1448 01:59:12.119 --> 01:59:15.880 I never ordered a card. But what do you mean? So you're 1449 01:59:16.000 --> 01:59:25.119 saying that someone started an online account for you? I started. I went 1450 01:59:25.119 --> 01:59:28.000 online, I signed in, and I decided how I wanted to have the 1451 01:59:28.039 --> 01:59:30.520 money, and I signed up for a direct deposit to have it directly deposited 1452 01:59:30.600 --> 01:59:34.640 into my account. I never wanted a card a third party, because that's 1453 01:59:34.680 --> 01:59:39.399 just that causes. I get it. Then, what happened that the checks 1454 01:59:39.520 --> 01:59:44.479 have been going into your account? Right? Correct? We've been getting eighty 1455 01:59:44.479 --> 01:59:46.199 two dollars a week because he gets paid once a week. So the only 1456 01:59:46.439 --> 01:59:53.399 check that was not put in your account was the last one. That's what 1457 01:59:53.439 --> 01:59:57.359 it appears to be. Yes, Now, hold on, Let's just say 1458 01:59:57.479 --> 02:00:01.279 someone did get access to your account and they hacked it and they have a 1459 02:00:01.319 --> 02:00:05.479 card. Now, are you able? The very first thing I want to 1460 02:00:05.479 --> 02:00:10.680 do is stop the bleeding? Were you able to put a stop to that? 1461 02:00:12.399 --> 02:00:15.439 No? So I called the lady on the phone and she literally said, 1462 02:00:15.920 --> 02:00:17.560 I'm about to hang up on this lady and make her lose her mind. 1463 02:00:18.079 --> 02:00:20.399 And I was like, I'm still here. And she was like, 1464 02:00:20.479 --> 02:00:24.600 oh, I'm really sorry if you were offended by that, and I'm like, 1465 02:00:24.840 --> 02:00:27.560 yeah, yeah, but hold on. Why would she want to hang 1466 02:00:27.640 --> 02:00:30.840 up on you? What were you doing? I was calling to figure out 1467 02:00:30.920 --> 02:00:36.359 what is going on with my child's money? Okay, what is going on? 1468 02:00:36.399 --> 02:00:42.840 Do you know? No? They told me to call the simone or 1469 02:00:42.840 --> 02:00:45.600 whatever card it is. They said to call them and to see what the 1470 02:00:45.640 --> 02:00:48.760 balance is and to order a new card. I said, I never ordered 1471 02:00:48.760 --> 02:00:51.319 a card. Okay, I tried to call that. Cameo, put your 1472 02:00:51.359 --> 02:00:56.760 card, CAMEO, listen carefully, okay, right now? Can you go 1473 02:00:56.920 --> 02:01:00.159 and sign on right now? Or did they change your did they change your 1474 02:01:00.560 --> 02:01:03.399 log in or what? Can you log in right now if you wanted to? 1475 02:01:03.880 --> 02:01:09.199 Nope, they have taken my information and they have changed it. I 1476 02:01:09.239 --> 02:01:15.439 never did anybody I get it? So you have no ability right now to 1477 02:01:15.720 --> 02:01:21.319 get into your account. Correct, All right, now you need to go 1478 02:01:21.560 --> 02:01:30.359 into the office and have them stop whatever access is on there. Okay. 1479 02:01:30.439 --> 02:01:35.560 When I went there last time, the lady was very condescending and very rude. 1480 02:01:35.560 --> 02:01:38.680 I will go back. No, no, no, no. Do 1481 02:01:38.800 --> 02:01:45.079 you have which office did you go to? Did you have to Well? 1482 02:01:45.119 --> 02:01:50.760 When you say a rap hole county specifically, what office? A county? 1483 02:01:50.840 --> 02:01:55.880 Human Services off of Alameda, right across the library. Okay, gotcha. 1484 02:01:56.039 --> 02:02:00.000 Now when you go to human Services do you have to make an appointment? 1485 02:02:02.319 --> 02:02:08.039 Last? I don't know. Sometime, I honestly don't know whenever I've gone. 1486 02:02:08.760 --> 02:02:11.520 You said you've gone in there and someone was rude to you. When 1487 02:02:11.520 --> 02:02:15.600 did you go in? I went in a few weeks ago to speak with 1488 02:02:15.640 --> 02:02:20.199 them, and I didn't have an appointment or anything, and they told me 1489 02:02:20.239 --> 02:02:24.520 they were going to have a family resource navigator give me a call. They 1490 02:02:24.560 --> 02:02:29.159 called me like four days later. And this was about like trying to get 1491 02:02:29.159 --> 02:02:31.800 assistance to that at my parents' house. If I told you what I've been 1492 02:02:31.840 --> 02:02:34.439 through in my story, you would be no, no, I know. 1493 02:02:34.520 --> 02:02:36.399 I don't want to go through it right now. What I want to do 1494 02:02:36.479 --> 02:02:41.159 is try to just stop the bleeding right now. We got to stop access 1495 02:02:41.199 --> 02:02:45.479 to your account. There's got to be a way to do this without pulling 1496 02:02:45.560 --> 02:02:50.239 teeth. So when you call them and say someone hacked my account, please 1497 02:02:50.439 --> 02:02:58.319 do not disperse any money to that card, what do they say? They 1498 02:02:58.319 --> 02:03:02.359 told me to call the the place who issued the card and to give him 1499 02:03:02.399 --> 02:03:06.159 my card number, which I don't have a card. That's what's stupid. 1500 02:03:06.199 --> 02:03:12.079 They're telling you to do something you can't do because you don't have the card 1501 02:03:12.720 --> 02:03:20.119 exactly, and they don't listen to you. Nope, come on, do 1502 02:03:20.159 --> 02:03:24.880 you have the name? Okay, do you have the name of somebody you've 1503 02:03:24.920 --> 02:03:30.680 talked to? My chief manager is Angela, and apparently she's not in the 1504 02:03:30.720 --> 02:03:34.640 office. I've been emailing with Lynn at a Rapaho County and she's the one 1505 02:03:34.640 --> 02:03:38.640 who told me to call the to call the place and to give them my 1506 02:03:38.680 --> 02:03:45.479 card number the balance. So this Lynn that you've emailed, who is she? 1507 02:03:45.479 --> 02:03:50.039 She worked for a Rapaho County and what does she do? Let me 1508 02:03:50.079 --> 02:03:56.479 see what her title is like? Is she in human services there? Yes, 1509 02:03:57.239 --> 02:04:01.159 let me see. I have this email out here. You know, 1510 02:04:01.199 --> 02:04:04.800 it's funny they call it human services. Why wouldn't they just call it services? 1511 02:04:04.840 --> 02:04:13.119 But anyway, right, so the Family Support Registry customer service. That's 1512 02:04:13.159 --> 02:04:15.920 what you want, okay, I need Here's what I need you to do 1513 02:04:16.000 --> 02:04:20.720 for us. I need that name and email, and I need whoever else 1514 02:04:20.760 --> 02:04:26.039 you talk to along with your name and number. Give it to Kachina. 1515 02:04:26.600 --> 02:04:29.279 I'm going to write an email. Then I'm going to give it to somebody 1516 02:04:29.319 --> 02:04:31.399 to work on. I'm not sure who yet, Kachina, but I'll take 1517 02:04:31.439 --> 02:04:36.960 the first round and write this letter to the to the customer service, because 1518 02:04:38.000 --> 02:04:42.319 we need to put them on notice that this woman is not getting her money 1519 02:04:42.319 --> 02:04:45.600 and they can't hold her responsible. They need to make up for it. 1520 02:04:45.960 --> 02:04:49.520 So hang on, okay, dear, okay, thanks? You know what, 1521 02:04:49.920 --> 02:04:56.119 it really is frustrating when people get worked over like this. Were you 1522 02:04:56.199 --> 02:05:00.199 going to say something a dollar before you had your mic, you were going 1523 02:05:00.279 --> 02:05:02.720 to say something, have you dealt with these? No? I was just 1524 02:05:03.319 --> 02:05:05.600 listening to her. I just wondered, how do you know what I was 1525 02:05:05.600 --> 02:05:10.039 going to say? Dragon? How do you know? I said one breadth 1526 02:05:10.079 --> 02:05:12.439 of the word. How do you know? I said? Have you ever 1527 02:05:12.479 --> 02:05:15.720 worked with these? And it's like he knew he was on the button almost 1528 02:05:16.600 --> 02:05:19.359 because you knew what I was thinking. You know what I was going to 1529 02:05:19.399 --> 02:05:21.600 say, right, because I dealt with these people. I know that they 1530 02:05:21.640 --> 02:05:27.600 are okay and that. But it's amazing how I didn't even say it and 1531 02:05:27.600 --> 02:05:31.359 everyone heard it. Okay, So have you dealt with these people? You 1532 02:05:31.439 --> 02:05:35.880 have? But I just wonder if her husband worked last week because of the 1533 02:05:35.920 --> 02:05:41.159 holiday, maybe that's why she didn't get a payment. But she said someone 1534 02:05:41.199 --> 02:05:45.680 applied for a card intentionally get the email notification or text notification that it should 1535 02:05:45.720 --> 02:05:47.800 be deposited and it will. Yeah, and then they also took away her 1536 02:05:47.880 --> 02:05:54.600 online access. But how does someone how does someone log in to her account? 1537 02:05:54.640 --> 02:05:58.079 I mean, really just a normal web portal user name and passwords? 1538 02:05:58.119 --> 02:06:01.039 I guess. I guess there's all kinds a cyber crime. Don't they sell 1539 02:06:01.079 --> 02:06:09.159 that card automatically? I think that their default the card, But why would 1540 02:06:09.159 --> 02:06:12.680 they send it to a new It go with a sure thing Denver's Best Roofer 1541 02:06:12.800 --> 02:06:18.960 Excel roofing dot com. You don't pay a cent until you're content. Time 1542 02:06:19.000 --> 02:06:25.279 for an insurance check up free no obligation comparison call Compass insurance paying too much 1543 02:06:25.399 --> 02:06:29.359 your coverage at dozens of insurance companies. Find out now three oh three seven 1544 02:06:29.439 --> 02:06:32.079 seven to one help. You'll think you're his only customer when you choose Frank 1545 02:06:32.159 --> 02:06:36.319 durand the real estate Man dot com to list your home with Remax Alliance. 1546 02:06:36.560 --> 02:06:45.000 Three oh three nine two zero sixteen twenty two. Hi Tom Martino, you're 1547 02:06:45.079 --> 02:06:50.079 troubleshooter. Three oh three seven one three talk seven one three eight two five 1548 02:06:50.199 --> 02:06:55.880 five, Welcome to the show. Eight eight eight Heating dot Com. I 1549 02:06:55.920 --> 02:06:59.960 stress them because they're good, honest people, and a lot of people have 1550 02:07:00.000 --> 02:07:01.760 If you have an air conditioning issue, who do I call? These guys 1551 02:07:01.760 --> 02:07:05.760 are good and I know them for years. Three oh three seven seven zero 1552 02:07:05.800 --> 02:07:11.079 two seven seven six eight eight eight Heating dot Com. All right, so 1553 02:07:12.880 --> 02:07:18.439 it's it's quite interesting some of the issues people have with online and cyber attacks. 1554 02:07:18.479 --> 02:07:24.680 There are a lot of them people and I don't know. I think 1555 02:07:24.720 --> 02:07:30.000 a lot of times people do things that are stupid without knowing it. There 1556 02:07:30.000 --> 02:07:34.760 are so many ways to get hacked on public Wi fis, and you know, 1557 02:07:34.800 --> 02:07:38.199 you go to a Starbucks, you may not think about it. You're 1558 02:07:38.279 --> 02:07:42.439 using your phone, you may not think about it. And thieves are becoming 1559 02:07:42.439 --> 02:07:49.359 more and more sophisticated on stealing access. So I don't know who's doing it 1560 02:07:49.399 --> 02:07:54.119 to her or if it's being done, but she says she can no longer 1561 02:07:54.199 --> 02:08:00.479 gain access. We're going to look into that for her, thorn do. 1562 02:08:01.279 --> 02:08:05.239 What's happening? Well, I'm thankful to be alive. Tom. Let me 1563 02:08:05.279 --> 02:08:09.520 first say I've enjoyed listening to your show many times over the years. I 1564 02:08:09.560 --> 02:08:13.560 appreciate what you do. I was helping a friend. I was gonna help 1565 02:08:13.600 --> 02:08:18.880 her transplant plant transplant a new plant into her yard, called eight one one 1566 02:08:18.920 --> 02:08:24.600 to get lines located. Uh, somebody came out marked lines, painted stripes 1567 02:08:24.640 --> 02:08:28.079 all over the yard on where utilities were supposed to be, went to the 1568 02:08:28.119 --> 02:08:31.479 corner of the yard with no painted markings, dug a hole a couple of 1569 02:08:31.479 --> 02:08:37.680 feet deep with metal post hole diggers and got electrocuted. Well, well you 1570 02:08:37.680 --> 02:08:39.680 didn't get electricity. Your sho's still here, but you got a pretty bad 1571 02:08:39.760 --> 02:08:45.079 shot. Yeah. Well, well, fortunately there were rubble rubber handles on 1572 02:08:45.119 --> 02:08:48.560 the metal post hole diggers. Did it knock you on your ass? No, 1573 02:08:50.000 --> 02:08:54.079 it just put up a big puff of smoke and a spark. And 1574 02:08:54.119 --> 02:08:58.800 there was a single spark that rose up on the cloud of smoke. I 1575 02:08:58.880 --> 02:09:01.119 knew i'd hit something. Hey, Thorne, let me ask you something this 1576 02:09:01.239 --> 02:09:05.479 eight one one When you called him, they went all over the yard. 1577 02:09:05.880 --> 02:09:09.359 Yeah, as far as I know they well did you know? Usually what 1578 02:09:09.439 --> 02:09:13.279 they do usually is you tell them what you're doing, and they go in 1579 02:09:13.279 --> 02:09:16.720 the vicinity of what you're doing. For example, if you told them I'm 1580 02:09:16.720 --> 02:09:20.159 going to be doing this and then you go to the other side of the 1581 02:09:20.239 --> 02:09:24.520 yard, that could happen. Tell me, tell me what no no, 1582 02:09:24.239 --> 02:09:28.279 I told him. I told him there's there's two metal boxes in the corner 1583 02:09:28.319 --> 02:09:31.239 of the yard, in the northwest corner of the property, and I was 1584 02:09:31.279 --> 02:09:35.159 going to locate the shrub right adjacent to those, So they knew exactly what 1585 02:09:35.239 --> 02:09:41.760 I was talking about. Uh. What turns out is Highland's Ranch Community Association 1586 02:09:41.960 --> 02:09:46.560 has a great big sprinkler control panel just outside the property. And what they 1587 02:09:46.640 --> 02:09:54.319 did not mark is the electrical connection between the junction box inside the property and 1588 02:09:54.359 --> 02:09:56.960 the Highlands Ranch. Now, who did not mark it? You mean the 1589 02:09:58.000 --> 02:10:01.359 eight one one people didn't eight one to one locate, did not mark it. 1590 02:10:01.720 --> 02:10:05.359 So I reported it to them, told them what happened. They come 1591 02:10:05.399 --> 02:10:13.039 out the next day and they locate They painted new stripes to identify the pet 1592 02:10:13.119 --> 02:10:16.720 you know, the route of the line that goes to that electrical that sprinkler 1593 02:10:16.760 --> 02:10:20.479 control box. And they painted right through the bottom of the hole that I 1594 02:10:20.520 --> 02:10:24.880 had already dug. And so I took pictures of all the new paint showing 1595 02:10:24.920 --> 02:10:28.039 that they located the line through the bottom of the hole. So what you're 1596 02:10:28.079 --> 02:10:33.600 saying, what you're saying is had they done the job right the first time, 1597 02:10:33.079 --> 02:10:37.039 they would have marked it there right correct, and I wouldn't have dug 1598 02:10:37.079 --> 02:10:41.640 there. Okay, gotcha? So now what So that's what I'm asking you. 1599 02:10:41.720 --> 02:10:46.399 I'm looking for ideas, okay, but ideas for what I'm not sure 1600 02:10:46.399 --> 02:10:50.720 what you're asking ideas for what? You know? I called them back. 1601 02:10:50.760 --> 02:10:54.199 I said, I want a green light on a written statement that the repair 1602 02:10:54.239 --> 02:10:58.560 has been efluctuated before I do anything to even fill in the hole. Oh 1603 02:10:58.119 --> 02:11:01.319 oh oh. In other words, youth, think, did did anything break 1604 02:11:01.359 --> 02:11:07.640 when you did that? Uh? I clearly penetrated some sort of electrical connection. 1605 02:11:09.439 --> 02:11:13.880 So did they listen? They You're not afraid that they're going to try 1606 02:11:13.920 --> 02:11:18.239 to pop you with any kind of damage? Right? No? No? 1607 02:11:18.359 --> 02:11:20.680 But I want I want a green light on the repair being uh, you 1608 02:11:20.680 --> 02:11:24.720 know, I want a written statement that the repair has been made. And 1609 02:11:26.239 --> 02:11:31.479 I think it apology is appropriate because well, obviously, obviously you would think 1610 02:11:31.920 --> 02:11:35.760 logically they would apologize that they almost killed you. But here's here's the deal 1611 02:11:35.840 --> 02:11:41.199 though. Okay, seriously, you're not going to get a written statement of 1612 02:11:41.239 --> 02:11:43.920 anything. Okay, they're they're they're just not going to do it. But 1613 02:11:45.199 --> 02:11:48.520 what I want to know is what were you doing in that area? Are 1614 02:11:48.560 --> 02:11:52.479 you Were you just planting something? No, I was digging a hole for 1615 02:11:52.560 --> 02:11:54.920 a plant that had been purchased. That's what I asked. You were planting 1616 02:11:54.960 --> 02:12:00.279 something. So what I want to know is this, If you simply don't 1617 02:12:00.279 --> 02:12:05.439 plant there and just fill up the hole, why do you care if it's 1618 02:12:05.479 --> 02:12:09.520 a sprinkler, control valve or cable, why do you care if they fixed 1619 02:12:09.520 --> 02:12:15.199 it or not? Well, because if the homeowner, even if the homeowner 1620 02:12:15.239 --> 02:12:18.800 fills in the hole and then there's something wrong between that connection with that sprink 1621 02:12:18.880 --> 02:12:24.159 or control panel and what's inside her property, she's going to get blind for 1622 02:12:24.279 --> 02:12:26.600 it. I don't think so. I don't think so. You could take 1623 02:12:26.680 --> 02:12:31.239 responsibility and the other thing, and this is what's really important. They are 1624 02:12:31.239 --> 02:12:37.279 incompetent. I could have easily been killed. Thankful to God that I wouldn't, 1625 02:12:37.520 --> 02:12:39.039 right, But I don't trust these people anymore, and I don't think 1626 02:12:39.039 --> 02:12:43.399 anybody else should either. No, that that is no. Really, that 1627 02:12:43.560 --> 02:12:48.079 is a scary thought that they came out there and missed that. But do 1628 02:12:48.159 --> 02:12:50.640 why do you think they missed it? Did they give you any explanation at 1629 02:12:50.640 --> 02:12:56.960 all? I would have thought that they would have. Did they say now 1630 02:12:56.000 --> 02:13:01.119 that I've reported it? And I got this barrage of emails from different utility 1631 02:13:01.159 --> 02:13:05.520 providers saying we don't have anything there, because you know, they reports the 1632 02:13:05.640 --> 02:13:11.840 incident to like eight or nine different UH providers facilities providers, and so I 1633 02:13:11.880 --> 02:13:16.640 get all these emails, none of which was from Excel, and I talked 1634 02:13:16.680 --> 02:13:20.159 to Excel Energy of the next who runs I was just going to ask you 1635 02:13:20.199 --> 02:13:24.159 something, who runs that eight one one? Who are they? I have 1636 02:13:24.319 --> 02:13:28.720 no idea. I take it as a state. I actually don't know the 1637 02:13:28.800 --> 02:13:35.560 answer. They have several contractors because I've don't like them, all right, 1638 02:13:35.640 --> 02:13:39.560 So eight one one is just an aggregate number that you call and they assign 1639 02:13:39.680 --> 02:13:43.920 someone to it who pays for it? I imagine all the utilities chip in 1640 02:13:43.920 --> 02:13:48.479 in't it? Because it's think all the utility rate players chip in. I 1641 02:13:48.520 --> 02:13:54.159 guarantee you there's a charge on my bill every month for eight one one locates. 1642 02:13:54.439 --> 02:13:58.119 Maybe not so clearly marked like that, but no, but it's buried 1643 02:13:58.159 --> 02:14:05.239 in the rate you know. So here, what do you right now? 1644 02:14:05.199 --> 02:14:11.680 What you want is acknowledgment that you didn't do anything wrong, So this homeowner 1645 02:14:11.760 --> 02:14:16.399 is not blamed. Correct. I think you've documented enough. Do you think 1646 02:14:16.920 --> 02:14:22.199 that if you just go ahead and and just fill the hole back up? 1647 02:14:22.920 --> 02:14:26.800 Do you just going to back fill the hole? But but I don't think 1648 02:14:26.840 --> 02:14:31.199 that's the end of it. No, But but I don't see how they 1649 02:14:31.279 --> 02:14:35.920 can blame her for anything, even if, by the way, you have 1650 02:14:37.000 --> 02:14:41.119 a fear that if something goes wrong with the system, they're going to go 1651 02:14:41.159 --> 02:14:46.439 to that neighbor and say you did some landscaping and did damage. Yeah, 1652 02:14:46.479 --> 02:14:50.720 and the and the complaining party might be Highland's ranch community. Well, if 1653 02:14:50.760 --> 02:14:54.680 I were you, I would take out my cell phone and do a selfie 1654 02:14:54.800 --> 02:14:58.479 video. I was digging here. They failed to locate. They located it 1655 02:14:58.560 --> 02:15:05.840 after I popped a line and almost killed myself. I am documenting this so 1656 02:15:05.000 --> 02:15:09.439 the homeowner is not blamed for not doing it properly. I would be done 1657 02:15:09.479 --> 02:15:13.119 with it. I think you're overthinking it. I really, I really think 1658 02:15:13.119 --> 02:15:18.720 you're overthinking it. Go with a sure thing Denver's Best roofer Excel Roofing dot 1659 02:15:18.760 --> 02:15:26.439 com. You don't pay a cent until you're content. Time for an insurance 1660 02:15:26.520 --> 02:15:31.039 checkup free, no obligation. In comparison, call Compass Insurance paying too much 1661 02:15:31.159 --> 02:15:35.439 your coverage at dozens of insurance companies find out now three O three seven seven 1662 02:15:35.479 --> 02:15:37.880 to one. Help. You'll think you're his only customer when you choose Frank 1663 02:15:37.960 --> 02:15:43.479 durand the real estate Man dot com to list your home with Remax Alliance three 1664 02:15:43.560 --> 02:15:50.159 oh three nine two zero sixteen twenty two. Hey, I'm Tom Martino. 1665 02:15:50.199 --> 02:15:54.600 You're troubleshooter. So I have a really important text question here. What is 1666 02:15:54.640 --> 02:16:01.399 the financial benefit of paying off a mortgage early if I have the money, 1667 02:16:01.439 --> 02:16:07.520 compared with investing the extra money in stocks or bonds. So let's let's analyze 1668 02:16:07.520 --> 02:16:11.880 it. You have a mortgage on one hand, let's say that one hundred 1669 02:16:11.920 --> 02:16:15.479 grand. Let's say and you have one hundred grand to pay it off. 1670 02:16:16.359 --> 02:16:20.319 Should you pay it off? Or should you invest it. There's a very 1671 02:16:20.359 --> 02:16:24.600 simple answer to that, interest rates. It's all in the math. If 1672 02:16:24.640 --> 02:16:33.239 you're paying more on your mortgage, then you can make in investments. Then 1673 02:16:33.280 --> 02:16:41.520 you go for you pay it off if you're paying more, if your mortgage 1674 02:16:41.559 --> 02:16:46.840 is costing you more than the opportunity, so the opportunity cost is what you 1675 02:16:46.920 --> 02:16:50.319 need to look at. So let's say you could make ten percent on your 1676 02:16:50.319 --> 02:16:54.079 money and you're paying six percent on your loan. Well, obviously you would 1677 02:16:54.120 --> 02:16:58.719 invest the money. And some people will say yes, but that's not entirely 1678 02:16:58.719 --> 02:17:03.959 true because you're not sure if you can make ten percent and there's no sure 1679 02:17:05.040 --> 02:17:09.319 investment. Therefore, maybe I should pay off my house. Now that's true. 1680 02:17:09.680 --> 02:17:15.600 If you can't make solid investments to meet or beat that mortgage, then 1681 02:17:15.719 --> 02:17:18.520 obviously you should pay off your mortgage. And in fact, paying off a 1682 02:17:18.600 --> 02:17:26.159 mortgage is more than just math. It's security because you can always retap it 1683 02:17:26.200 --> 02:17:28.879 if you need to. All right, so we're running out of time. 1684 02:17:30.040 --> 02:17:33.959 I'm Tom Martino. Remember I want you to call three oh three Martino three 1685 02:17:35.079 --> 02:17:39.719 oh three six two seven eight four six' six for help, information and 1686 02:17:39.799 --> 02:17:43.280 referrals. You leave your name and we will get back to you remember, 1687 02:17:45.040 --> 02:17:46.920 save all your problems for me.