WEBVTT 1 00:00:00.520 --> 00:00:13.800 Yeah, rip D news needed by, so you don't have come running sious 2 00:00:13.919 --> 00:00:20.800 as fast as we can. Shooter's gonna help coming. Man Dix is the 3 00:00:20.960 --> 00:00:27.480 Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to 4 00:00:27.519 --> 00:00:32.479 the show. Three O three seven one three talk three oh three seven one 5 00:00:32.520 --> 00:00:36.880 three eight two five five. Here to help you solve your problems, answer 6 00:00:36.880 --> 00:00:41.119 your questions, take your complaints, and make your life just a little easier 7 00:00:41.119 --> 00:00:45.159 as I've been doing for forty five years. Here, so welcome. We 8 00:00:45.240 --> 00:00:48.039 have Mike Wink with us from Wink and Wink. Long time No see who 9 00:00:48.039 --> 00:00:53.799 Actually I see him at the gym and Mike is a bankruptcy attorney. There 10 00:00:53.880 --> 00:01:00.840 was a time that Mike was on every other day because bankruptcy was so so 11 00:01:00.320 --> 00:01:07.519 plentiful, you know from I think what my two thousand and eight to twenty 12 00:01:07.760 --> 00:01:12.239 twelve, and then again in the mid teens and what is it doing right 13 00:01:12.239 --> 00:01:15.680 now? Yeah? Yeah, those were the salad days back then. But 14 00:01:18.000 --> 00:01:22.359 you know, I thought COVID would be a boon for debt relief, but 15 00:01:22.879 --> 00:01:26.159 all the stimulus really actually people were able to pay down debts. So it's 16 00:01:26.200 --> 00:01:30.840 now coming back to kind of where it was in around twenty nineteen, so 17 00:01:30.959 --> 00:01:34.439 it's more of a regular level of debt relief. And you know, within 18 00:01:34.519 --> 00:01:38.359 that, I'd say a small business is the one area where we see maybe 19 00:01:38.400 --> 00:01:42.799 a spike that some of the effects of COVID are starting to catch up with 20 00:01:42.799 --> 00:01:46.599 a lot of those small business owners. And the SBA loans that people took 21 00:01:46.640 --> 00:01:49.760 out, like a lot of restaurants are all businesses. A lot of businesses, 22 00:01:49.879 --> 00:01:56.439 restaurants, contractors, I mean, auto repair, all kinds of stuff. 23 00:01:56.840 --> 00:02:00.359 But the reality was that you know, business kind of tanked and people 24 00:02:00.519 --> 00:02:04.680 took out loans to get through, and they probably couldn't have serviced those loans 25 00:02:04.680 --> 00:02:07.919 even before, and so now it's just you know, coming to the end 26 00:02:07.960 --> 00:02:13.000 of their rope. We're seeing a lot of that. Now, let's talk 27 00:02:13.039 --> 00:02:15.960 about bankruptcy. I just want to talk about this. Every time I talk 28 00:02:16.000 --> 00:02:20.360 about it, I get all kinds of mixed emails and texts. By the 29 00:02:20.400 --> 00:02:23.599 way, you can text the show five seven, seven thirty nine. Let 30 00:02:23.599 --> 00:02:28.199 me just put it out there. Okay, here's my disclaimer. I mean, 31 00:02:28.560 --> 00:02:32.000 no one wants to see anyone do a bankruptcy, and people say the 32 00:02:32.879 --> 00:02:38.400 stupidest thing I think I have ever heard in my life is that bankruptcy costs 33 00:02:38.400 --> 00:02:42.520 all of us. Now, I'm not trust me. I'm not talking about 34 00:02:42.560 --> 00:02:46.520 liars and cheets and ripoffs who get money knowing they're going out of business and 35 00:02:46.560 --> 00:02:49.639 then go out of business and then try to cheat the system. We're not 36 00:02:49.719 --> 00:02:55.439 talking about that. Let's talk about legit bankruptcy. Why why was there a 37 00:02:55.439 --> 00:03:00.039 bankruptcy law to begin with? Why is there? People say bankruptcy hurts the 38 00:03:00.080 --> 00:03:07.680 economy. I'm going to make the argument that legit bankruptcies, when done properly 39 00:03:08.120 --> 00:03:13.639 and for the right reason, helped the economy. And I'm going to go 40 00:03:13.719 --> 00:03:17.639 back to Spock on Star Trek. One time, Spock on Star Trek said, 41 00:03:19.319 --> 00:03:22.280 when the many helped the few, or the few help the many? 42 00:03:22.719 --> 00:03:27.439 And I'm gonna I'm gonna tell you what I mean. When someone is in 43 00:03:27.560 --> 00:03:32.560 debt and they're working their ass off for the few because they got into debt. 44 00:03:34.319 --> 00:03:39.120 Sometimes they were stupid, sometimes medical bills sometimes whatever. We've all seen 45 00:03:39.159 --> 00:03:45.080 that happen. Where you get debt. Okay, Now, when one person 46 00:03:45.439 --> 00:03:49.319 or two people, a small group of people, let's call them debtors, 47 00:03:49.840 --> 00:03:57.360 are in servitude to creditors, a small group of creditors, that money is 48 00:03:57.520 --> 00:04:01.280 no longer circulating in the economy. I'm talking about economics. Now, I'm 49 00:04:01.280 --> 00:04:04.960 not talking about morality, I'm not talking about your opinion. I'm talking about 50 00:04:05.240 --> 00:04:11.000 economic facts. So when you have many, many dollars going to a few 51 00:04:11.120 --> 00:04:16.879 creditors, it is the government at one time saw that this was folly and 52 00:04:16.879 --> 00:04:24.199 that theoretically these people could be in that servitude for fifty or sixty years and 53 00:04:24.439 --> 00:04:30.199 basically their lives. So you're taking people out of the economy. Another thing 54 00:04:30.439 --> 00:04:34.759 was if somebody swung for the in baseball, they swing for the fences for 55 00:04:34.800 --> 00:04:39.079 the home runs, and they go into business thinking they're going to do great 56 00:04:39.120 --> 00:04:43.839 things and they intend to and they don't do they deserve a life sentence. 57 00:04:44.399 --> 00:04:47.839 So the point was the government said, what we should do is mimic. 58 00:04:48.360 --> 00:04:51.519 Basically, whether you like this or not, this is what happened. They 59 00:04:51.639 --> 00:04:59.360 mimic the jubilee laws from the Bible. That's what bankruptcy laws mimic, meaning 60 00:04:59.399 --> 00:05:04.920 that they took it from slaves back in Biblical days were freed at a certain 61 00:05:04.959 --> 00:05:10.480 time. I believe this every seven years, and or the were forgiven in 62 00:05:10.519 --> 00:05:13.560 every forty nine years. They were fleed from savory. But whatever in case, 63 00:05:14.199 --> 00:05:16.720 it went back and people thought, if we give people a fresh start, 64 00:05:17.480 --> 00:05:24.079 now those dollars that were limited to a small group of people can now 65 00:05:24.120 --> 00:05:29.480 go back into circulation. They can start buying cars again, they can start 66 00:05:29.519 --> 00:05:33.399 buying food, they can start buying going to restaurants and being real people again. 67 00:05:33.680 --> 00:05:39.040 Now, does that mean it's a good thing that these people lost and 68 00:05:39.160 --> 00:05:43.959 did not pay. No, But it's a reality. And so what they 69 00:05:44.160 --> 00:05:49.000 saw was that if done properly. Now again, that's why we have trustees 70 00:05:49.040 --> 00:05:55.879 and laws. I'm talking about properly executed bankruptcies, when done properly, was 71 00:05:55.920 --> 00:06:02.639 a stimulus to the economy, not a not a roadblock, not a hindrance. 72 00:06:03.000 --> 00:06:09.720 It didn't raise taxes. But Mike, again, I'm not defending bankruptcy 73 00:06:09.720 --> 00:06:13.720 because bankruptcy is what it is. It's a reality, and the government did 74 00:06:13.759 --> 00:06:17.319 it for a reason. But don't you hear a lot of stupid things about 75 00:06:17.360 --> 00:06:21.560 bankruptcy. Now, now we're again we're not talking about liars, cheats and 76 00:06:21.639 --> 00:06:28.600 ripoffs. Ever, We're talking about people who have just gotten themselves in a 77 00:06:28.639 --> 00:06:30.600 pinch. Do you hear a lot of stupid things? Ever? At a 78 00:06:30.600 --> 00:06:34.040 cocktail party. When you talk about being a bankruptcy attorney, so many, 79 00:06:34.279 --> 00:06:39.199 so many, and I think the biggest is the impact on credit, right, 80 00:06:39.279 --> 00:06:42.000 which is a very real thing. Right, It does impact your credit 81 00:06:42.040 --> 00:06:45.319 negatively, But people have this view that you know, I'm dead forever and 82 00:06:45.360 --> 00:06:47.639 you are not. And you know, within a couple of years, two 83 00:06:47.639 --> 00:06:50.519 to three years from filing bankruptcy, you can have a seven hundred credit score 84 00:06:50.759 --> 00:06:55.079 and be eligible for a mortgage. And for many people in debt, that 85 00:06:55.240 --> 00:07:00.560 is the fastest path to rehabilitating credit that exists. Now, I want to 86 00:07:00.600 --> 00:07:04.000 mention, do you hear stupid things though about how it hurts peep, how 87 00:07:04.040 --> 00:07:08.240 it hurts the taxpayer, or how it hurts the government, or how it 88 00:07:08.319 --> 00:07:12.800 hurts business. Absolutely absolutely, and your I thought your little preamble there was 89 00:07:12.839 --> 00:07:15.639 perfect. You hit all of the points right. The fresh start let someone 90 00:07:15.680 --> 00:07:20.120 get back into the economy so that they can contribute to demand, right and 91 00:07:20.319 --> 00:07:24.720 rather than rather than pay back debt. And it also, as you said, 92 00:07:25.560 --> 00:07:30.519 enables and encourages entrepreneurial risk, which is an also an engine of growth 93 00:07:30.759 --> 00:07:34.079 in the economy. So I agree. I think that that those parents are 94 00:07:34.399 --> 00:07:39.399 about engineered bankruptcies. Mike, I know that if you saw someone come in 95 00:07:39.439 --> 00:07:44.000 and say, wink wink, Oh God, no top pun intended. But 96 00:07:44.079 --> 00:07:47.839 Mike, listen, man, you know I got these this money, I'm 97 00:07:47.879 --> 00:07:50.759 gathering this money, and I just want to I want to ace out of 98 00:07:50.800 --> 00:07:54.319 here. I want to get away with it. I mean, no, 99 00:07:54.399 --> 00:07:58.519 how many, truly, Mike, and beat beat beat, be very straight 100 00:07:58.720 --> 00:08:03.079 in all of your years, how many clients we're trying to get over on 101 00:08:03.120 --> 00:08:07.920 somebody? I mean, probably some, but what person I'm going to say 102 00:08:07.120 --> 00:08:11.639 one percent or less? And I would go even beyond my clients. Right, 103 00:08:11.720 --> 00:08:16.879 Let's say I've done thousands and thousands of free consultations, and it's so 104 00:08:16.079 --> 00:08:20.879 rare that I meet someone and I have met them where you kind of wonder 105 00:08:20.240 --> 00:08:24.959 how long they've been gaming this and planning this, and and you can't trust 106 00:08:24.000 --> 00:08:26.759 them. And I don't take those cases to the extent I can see it, 107 00:08:26.959 --> 00:08:30.759 sure, you know, because I don't need well, I don't need 108 00:08:30.759 --> 00:08:31.360 to and I don't want to. I mean, you know, I got 109 00:08:31.360 --> 00:08:37.639 in this to help people, not facilitate fraud or right exactly exactly. So 110 00:08:37.799 --> 00:08:43.399 anyway, I appreciate that if anyone has discussions on creditors, debt, settlement, 111 00:08:43.679 --> 00:08:50.320 bankruptcy. Let's talk about it openly and honestly. I've known Mike for 112 00:08:50.440 --> 00:08:54.840 many, many years and the Wink Law firm, so really and truly we 113 00:08:56.320 --> 00:09:00.720 have a it's a tool, right, it's a tool. And also we 114 00:09:00.720 --> 00:09:05.279 can talk about ways to increase and help credit. And also Jack your turn, 115 00:09:05.320 --> 00:09:07.720 real quick, let's start with you, Jack. What's going on? 116 00:09:07.559 --> 00:09:20.519 Hello? Jack? Yes, sir Jack, Jack, apparently we just lost 117 00:09:20.559 --> 00:09:22.039 some Let me try to get him back. Okay, that's okay. Three 118 00:09:22.080 --> 00:09:26.000 h three seven one three talk Naomi. Let's start with you. What's going 119 00:09:26.039 --> 00:09:31.639 on? Naomi? Hi, Tom, thank you for taking my call. 120 00:09:31.919 --> 00:09:37.080 I'm disabled and there's something is going on with my car and I don't really 121 00:09:37.200 --> 00:09:41.799 know what it is. And well, tell me about your car. What 122 00:09:41.960 --> 00:09:50.159 is it? It's a twenty thirteen Dodge Journey. How long have you had 123 00:09:50.200 --> 00:09:58.120 it? Oh, gosh, we bought it. I'd say mid February of 124 00:09:58.200 --> 00:10:03.279 twenty nineteen, something like that. Okay, Now, what are the So 125 00:10:03.600 --> 00:10:05.960 when you say you're having problems, are we talking about the way it's acting. 126 00:10:07.559 --> 00:10:11.320 Yeah, just kind of like the way it's a driving. How many 127 00:10:11.360 --> 00:10:18.039 miles on it when I come? Oh? Let's say one hundred nineteen thousand, 128 00:10:20.480 --> 00:10:26.080 eighteen. Have you ever had trouble before? No, not really, 129 00:10:26.159 --> 00:10:31.360 it's she's run like a dream. I want you to hold on. We're 130 00:10:31.360 --> 00:10:33.720 going to get one of our experts on after the break. I want to 131 00:10:33.720 --> 00:10:37.879 do that. And by the way, today is a CLIPS day now. 132 00:10:37.399 --> 00:10:41.559 I went to the last eclipse, I believe it was twenty seventeen. It 133 00:10:41.679 --> 00:10:46.840 was pretty damn cool, and I really wanted to go this year. Things 134 00:10:46.879 --> 00:10:52.039 did not work out, and the weather did not is not cooperating either along 135 00:10:52.039 --> 00:10:56.759 the route nor in the area I wanted to go because I didn't want to 136 00:10:56.759 --> 00:10:58.759 fly all away, you know, to the Midwest, I mean way over 137 00:10:58.799 --> 00:11:03.879 to the east. Even so, it didn't work out, but I imagine 138 00:11:05.639 --> 00:11:09.759 there's gonna be a lot going on today with the eclipse. We got more 139 00:11:09.759 --> 00:11:13.120 coming up. 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You'll think you're his only 148 00:11:58.039 --> 00:12:01.879 customer when you Chew's Frank durand the real estate Man dot com to list your 149 00:12:01.919 --> 00:12:13.519 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey, 150 00:12:13.559 --> 00:12:16.559 I'm Tom Artine, Welcome to the show. Three oh three seven one 151 00:12:16.639 --> 00:12:20.559 three talks seven one three eight two five five one. Clear Choice Garage Doors 152 00:12:20.559 --> 00:12:24.960 for your garage door needs, whatever they are, whether it's the opener or 153 00:12:24.000 --> 00:12:26.840 the door or any part of it. They're one of the few companies actually 154 00:12:26.879 --> 00:12:31.440 factory authorized for most of these doors. They're not just some guy to pick 155 00:12:31.519 --> 00:12:35.440 up truck or an suv. This is a really good company. All of 156 00:12:35.440 --> 00:12:39.639 their prices on the website clearly displayed for you. Twenty four to seven service 157 00:12:41.159 --> 00:12:48.200 if you need it for emergencies one Clear Choice Doors dot com. Hey Jack 158 00:12:48.360 --> 00:12:52.639 is back Jack? What's going on? You got and I'm going to bring 159 00:12:52.720 --> 00:12:58.200 up I want to get one of our experts, Kachina for this Dodge journey 160 00:12:58.200 --> 00:13:03.279 for Naomi, like we promised, Let's try to get Kevin or or let's 161 00:13:03.320 --> 00:13:07.879 get whoever we can get Jess. Maybe we can get Romando. He hasn't 162 00:13:07.919 --> 00:13:13.039 been on yet. Jack what's going on? Ahead? Tom? How'd you 163 00:13:13.080 --> 00:13:20.200 doing? What's happening? Man? So that's a year ago. First of 164 00:13:20.240 --> 00:13:26.480 all, the sud prefaces, we're saying that I had an illness. I'm 165 00:13:26.480 --> 00:13:33.960 in roommission. What kind of illness? Jackie? I haven't called the rectal 166 00:13:33.000 --> 00:13:39.399 cancer? Matt K How are you doing? I'm fine? Now? When 167 00:13:39.399 --> 00:13:46.879 did you have that illness? Well? I was let's say I was diagnosed 168 00:13:48.000 --> 00:13:54.759 in September of twenty eighteen, so I went through four months, it came 169 00:13:54.840 --> 00:14:01.440 out, and then six weeks iradiation. Was it stage four? It was 170 00:14:01.519 --> 00:14:07.000 actually stage three? How are you doing? You're doing okay? I'm doing 171 00:14:07.000 --> 00:14:15.240 all right. The problem is that I don't I don't know what do you 172 00:14:15.279 --> 00:14:18.600 have any experienced through as chemo or have talked to people that have taken came 173 00:14:18.639 --> 00:14:26.919 out, But you have to basically rebuild your personality or the way you're right, 174 00:14:28.759 --> 00:14:31.519 the way you do things. It takes well, it does you know 175 00:14:31.559 --> 00:14:33.759 what if Jack? It does take a toll on people, and depending on 176 00:14:33.840 --> 00:14:39.440 the chemo, it has different effects on different people. So for you, 177 00:14:39.080 --> 00:14:43.799 is that what we're talking about now? Where it because you had an issue 178 00:14:43.799 --> 00:14:46.600 with a contractor? But I think you're trying to make a case that you 179 00:14:46.639 --> 00:14:52.440 were doing something with a contractor and you were kind of diminished capacity exactly. 180 00:14:54.039 --> 00:14:58.960 So one year ago, what happened? You hired a contractor? I hired 181 00:14:58.399 --> 00:15:09.120 Patrick's Silva. Ko'spatrick's Silva. He is five Star Restoration and Construction up here 182 00:15:09.159 --> 00:15:13.440 in Fort Cones. Okay, So here's what I want to know, far, 183 00:15:13.799 --> 00:15:22.600 Why did you hire them? What happened? I have a jacuzzi that 184 00:15:22.720 --> 00:15:26.080 I bought from a couple in Levelands some years ago. But did you do 185 00:15:26.679 --> 00:15:30.600 I just need to know this instead of the whole story about the jacuzzie. 186 00:15:30.960 --> 00:15:39.600 Did you hire five star for a restoration or for an elective construction? It 187 00:15:39.639 --> 00:15:46.879 was a restoration of them upstairs bathroom of that chacuzzi. Okay, that's what 188 00:15:46.919 --> 00:15:48.919 I mean. You didn't have like a fire or a flood or anything like 189 00:15:50.000 --> 00:15:54.120 that nop okay. So you hired him to put the jacuzzi tub in the 190 00:15:54.200 --> 00:16:02.279 upstairs bath? Yep, okay, So what what went wrong? I never 191 00:16:02.320 --> 00:16:06.360 heard a word from multiple phone calls. Paid. Wait a minute, did 192 00:16:06.440 --> 00:16:10.960 you pay anything up front? Yep? Got I paid half? I paid 193 00:16:11.039 --> 00:16:18.519 twenty four man? You paid how much? Twenty four hundreds? What was 194 00:16:18.559 --> 00:16:22.519 the promise? What was the promise? Promise? Promise? Well, we 195 00:16:22.600 --> 00:16:33.840 agreed that he wouldn't stall it plummet, but a new switch I don't know, 196 00:16:34.759 --> 00:16:41.879 you know, the whatever it's called to turn on the shower in the 197 00:16:41.960 --> 00:16:51.159 bath, as well as why did you pay twenty four hundred upfront? That 198 00:16:51.360 --> 00:16:55.440 was the deal he needed? Well, that's the deal that you made. 199 00:16:55.480 --> 00:16:59.720 But I want to tell people that is never the deal. I mean, 200 00:16:59.759 --> 00:17:02.679 that is a deal for a lot of people, but that's never There's no 201 00:17:02.879 --> 00:17:08.960 reason ever ever to pay half upfront. What it means is a contractor doesn't 202 00:17:08.960 --> 00:17:15.240 have credit or a wherewithal to order equipment. They also don't know how to 203 00:17:15.279 --> 00:17:18.400 put liens on houses, so they don't know what they're doing because they're afraid 204 00:17:18.640 --> 00:17:21.599 if you don't pay, what are they going to do? So they want 205 00:17:21.599 --> 00:17:26.759 to collect twenty four hundred, and unfortunately, many times when these clowns played 206 00:17:26.799 --> 00:17:30.720 twenty four hundred, they're already in debt to someone else that they took money 207 00:17:30.720 --> 00:17:36.559 from and did not finish. So you paid half upfront, and that's the 208 00:17:36.640 --> 00:17:41.559 simple story. You paid half upfront twenty four hundred bucks and got nothing in 209 00:17:41.680 --> 00:17:48.640 return. Is that true? That's correct? Okay? Do you have the 210 00:17:48.720 --> 00:17:56.000 proper contact information for this guy? Does he ever return a call, an 211 00:17:56.000 --> 00:18:03.599 email, or anything? And in my research, I've found multiple people that 212 00:18:03.799 --> 00:18:15.240 he's ripped off. Okay, multful people that he's ripped off. You know, 213 00:18:15.279 --> 00:18:18.680 twenty four hundred dollars is not a fortune to me. Yeah, but 214 00:18:19.119 --> 00:18:26.279 listen, under the Contractor's Trust Act, this guy needs to be prosecuted. 215 00:18:26.519 --> 00:18:32.079 Do you have real victims that he has ripped off? I have. What 216 00:18:32.279 --> 00:18:40.240 I have are reviews from other people like me who have been ripped off to 217 00:18:40.359 --> 00:18:45.440 the tune of sixteen thousand dollars. I can't know that we could actually listen 218 00:18:45.480 --> 00:18:52.559 find these people. You have a number for this guy? Yep? What's 219 00:18:52.599 --> 00:18:59.680 his number? His number is nine seven zero four to one three one four 220 00:18:59.759 --> 00:19:04.839 five eight. Let me make sure I got that nine seven zero four one 221 00:19:04.880 --> 00:19:10.880 three fourteen fifty eight. Is that his cell phone? No? I do 222 00:19:11.079 --> 00:19:15.960 when you call? What do you get? Good man answering machine at the 223 00:19:17.039 --> 00:19:22.440 left of the message? This morning nationally And you've not heard from him since 224 00:19:22.480 --> 00:19:29.640 you paid him last year? I have heard. Have you tried doing small 225 00:19:29.680 --> 00:19:33.680 claims court? I have not, But that's going to be the next step 226 00:19:33.799 --> 00:19:37.880 after talking. That's it needs to be. But I want someone to call 227 00:19:37.960 --> 00:19:42.400 him as well. Who do we have in today? Said, I'm in 228 00:19:42.480 --> 00:19:48.440 studio Tom docs here. You want to make a quick call seven zero fourth 229 00:19:49.119 --> 00:19:53.759 R one three fourteen fifty eight and talk to Patrick Silva see what he has 230 00:19:53.799 --> 00:19:56.519 to say. Let's you try to do it right during the show and let's 231 00:19:56.519 --> 00:20:00.400 see what he has to say. Three seven on three talks seven one three 232 00:20:00.359 --> 00:20:06.279 eight two five five eight eight eight Heating dot Com. I'm telling you they 233 00:20:06.319 --> 00:20:10.160 have a twenty eight dollars special. They will check your HVA system twenty eight 234 00:20:10.200 --> 00:20:14.079 bucks and clean it for twenty eight bucks and then credit you the twenty eight 235 00:20:14.480 --> 00:20:19.079 if any repairs are needed, good honest, reliable service, do it before 236 00:20:19.200 --> 00:20:25.000 the rush. That's three oh three seven seven zero two seven seven six. 237 00:20:29.519 --> 00:20:33.559 Go with a sure thing. Denver's best roofer Excel roofing dot com. You 238 00:20:33.599 --> 00:20:40.640 don't pay a cent until you're content. Time for an insurance check up free, 239 00:20:40.720 --> 00:20:45.359 no obligation. Comparison call Compass Insurance. Paying too much your coverage at 240 00:20:45.400 --> 00:20:48.480 dozens of insurance companies find out now three oh three seven seven to one help. 241 00:20:48.640 --> 00:20:52.200 You'll think you're his only customer when you choose Frank durand the real estate 242 00:20:52.240 --> 00:20:56.680 Man dot com to list your home with Remax Alliance three oh three nine two 243 00:20:56.759 --> 00:21:10.920 zero sixteen twenty two. Hi Tom Martino here three oh three seven one three 244 00:21:11.000 --> 00:21:15.640 talk seven one three A two five five. Don't get caught being underinsured. 245 00:21:15.319 --> 00:21:19.640 Don't get caught with a deductible that's too high. Don't get caught with the 246 00:21:19.680 --> 00:21:25.079 new tricks. Get an insurance check up free of charge. Make sure you're 247 00:21:25.079 --> 00:21:30.000 not paying too much Compass Insurance three oh three nine nine six nine thousand. 248 00:21:32.000 --> 00:21:37.359 Okay, now we left off with Jack. Were you able to get through 249 00:21:37.480 --> 00:21:42.759 Deputy Doc? He's working on it now, Tom, all right, Now 250 00:21:42.799 --> 00:21:47.680 we'll go back to Naomi. We don't have our car person on though, 251 00:21:47.759 --> 00:21:52.359 do we never mind? Are we unable to get someone? I'm trying to 252 00:21:52.359 --> 00:21:55.079 get Kevin? I try to get our case, but they're not. So 253 00:21:55.160 --> 00:21:57.000 I'm getting Keaven right now. No, that's okay, okay, cool, 254 00:21:59.119 --> 00:22:03.960 Then let's go to bron He has a he was working with Deputy Dollar on 255 00:22:04.119 --> 00:22:11.599 something that happened last week. Brian uh Phillis and Brian, while I'm looking 256 00:22:11.640 --> 00:22:15.240 for your original call, go ahead, Hey sure, Tom. Yeah, 257 00:22:15.279 --> 00:22:19.359 So a few show spring break, we were up at Breckenridge and after we 258 00:22:19.440 --> 00:22:26.920 left the resort. Was this a condo you were renting? It was as 259 00:22:26.960 --> 00:22:30.440 a resort, so we were renting it through a friend of ours. It 260 00:22:30.440 --> 00:22:33.240 actually has a timeshare. Yeah, and you wait, wait, is this 261 00:22:33.519 --> 00:22:37.000 is this where they charge you for damages that you didn't do? And you 262 00:22:37.160 --> 00:22:44.440 sent us pictures? That's the one in the door jam. It was some 263 00:22:44.599 --> 00:22:48.079 ridiculous, some ridiculous damage that I don't see how you could do unless you 264 00:22:48.200 --> 00:22:52.920 tried, you know, I don't know how the hell somebody could do that 265 00:22:52.000 --> 00:22:59.119 damage anyway, what happened? So yeah, so actually Mark actually stepped up 266 00:22:59.160 --> 00:23:00.799 and UH appreciate the help that he was going to provide. And we were 267 00:23:00.839 --> 00:23:04.680 getting ready to file a small claim suit. And as soon as I sent 268 00:23:04.799 --> 00:23:08.240 him back the paperwork that he worked on, I get a call from the 269 00:23:08.279 --> 00:23:11.519 owner of the time sharing. She was just beside herself and she went to 270 00:23:11.640 --> 00:23:23.880 action and she U Okay, he got the five hundred back. Okay, 271 00:23:25.839 --> 00:23:30.559 that's good. That's really good. Thank you very much Mark for helping him 272 00:23:30.599 --> 00:23:33.359 out with that. Three Zho three seven one three talk seven one three eight 273 00:23:33.400 --> 00:23:37.519 two five Brian, no need to call back. Thank you for that update. 274 00:23:37.559 --> 00:23:44.119 I really appreciate that, Naomi. We have Kevin on Kevin Calkins shared 275 00:23:44.200 --> 00:23:49.920 in autotech dot com a very dependable auto repair facility, by the way, 276 00:23:51.960 --> 00:23:53.559 and you may want to think about them in the future as well. They 277 00:23:53.720 --> 00:23:59.640 also do pre buy inspections on used cars. So Naomi has a twenty thirteen 278 00:23:59.720 --> 00:24:06.839 dot Journey okay, and she's having problems, and I said, don't bother 279 00:24:06.960 --> 00:24:11.799 telling us until Kevin gets on. It has one hundred and nineteen thousand miles, 280 00:24:11.920 --> 00:24:15.160 So Naomi, continue your story. She bought that, by the way, 281 00:24:15.240 --> 00:24:22.759 in twenty nineteen. Go ahead, Naomi, Okay. So what it's 282 00:24:22.000 --> 00:24:26.039 doing is I feel like I don't know how to explain it, just running 283 00:24:26.160 --> 00:24:30.680 roughs. So like when I stop at like a stop sign or going up 284 00:24:30.720 --> 00:24:36.599 the hill or a stoplight, and I start to accelerate. It kind of 285 00:24:36.720 --> 00:24:41.720 like skipsit. Is it only after a complete stop Naomi? Or if you're 286 00:24:41.799 --> 00:24:45.599 on the highway and you want to pass someone, does it do it then 287 00:24:45.839 --> 00:24:59.640 as well? Sometimes so would you say it sputters or it hesitates? Maybe 288 00:24:59.680 --> 00:25:03.680 a the nation of both? Okay, Kevin? Sorry? Yeah, no 289 00:25:03.759 --> 00:25:07.559 words? Any check in is in light at all? Any any warning life? 290 00:25:08.279 --> 00:25:14.720 Yeah, the malfunction indicator, lightning bolt being comes up. It'll flash 291 00:25:14.799 --> 00:25:18.200 on and sometimes it'll stay. It was staying on and then it would flash 292 00:25:18.279 --> 00:25:22.599 on and now it just kind of when it when it's flew to accelerate, 293 00:25:22.720 --> 00:25:26.240 like I was saying, it'll slash on and then flash off. Now is 294 00:25:26.319 --> 00:25:30.599 this when you do if you if you accelerate very slowly, does it still 295 00:25:30.680 --> 00:25:37.400 hesitate? Yes? Vivin, Can I can I do an? Listen? 296 00:25:37.640 --> 00:25:41.920 You're the expert. Can I make a guess? Just let me make a 297 00:25:41.960 --> 00:25:47.480 stupid guess. Throttle body, I don't know. Possible, very possible. 298 00:25:48.039 --> 00:25:49.359 Yeah, it could be as simple as a spark plugs throttle body. It 299 00:25:49.400 --> 00:25:53.200 could be a fuel injector you know number of things, but truly had one 300 00:25:53.279 --> 00:25:59.240 hundred and nineteen thousand, what is it most likely depending on maintenance on a 301 00:25:59.319 --> 00:26:02.359 car. It could be a you know, I'll just park. When was 302 00:26:02.440 --> 00:26:07.039 last time, Naomi, somebody went through that. I have not had anyone 303 00:26:07.160 --> 00:26:12.359 do like a like a full on tune up because I can't afford it. 304 00:26:14.079 --> 00:26:17.759 But I have kept up on like the oil and making sure I use the 305 00:26:17.880 --> 00:26:23.119 right kind of gas, good quality gas, you know, regular maintenance like 306 00:26:23.279 --> 00:26:29.079 that. My brothers looked at it last year in the summer and he's like, 307 00:26:29.160 --> 00:26:32.480 I don't see anything wrong with it. I did take it in to 308 00:26:32.519 --> 00:26:34.920 get the coach. Can I can I ask you something? Just on that 309 00:26:36.119 --> 00:26:38.240 note not I don't want to make such any brother or anyone, But what 310 00:26:38.359 --> 00:26:41.200 does you mean he looked at it and could not see anything wrong? You 311 00:26:41.279 --> 00:26:45.440 know, It's funny because I've seen people before when they have a problem, 312 00:26:45.480 --> 00:26:48.720 they open up the hood and I'm wondering, what are they looking for? 313 00:26:48.079 --> 00:26:51.640 Like a little man in there saying here it is, here it is. 314 00:26:51.920 --> 00:26:56.000 I mean, what did he mean? Did he do any diagnostic checks when 315 00:26:56.039 --> 00:27:00.279 you said he looked at it, well, he checked to make sure all 316 00:27:00.359 --> 00:27:06.200 the cables were okay. I attached and here's a mechanic that he lives in 317 00:27:06.279 --> 00:27:11.839 Grand Junction okay, gotcha, get you. He looked at for obvious problems. 318 00:27:12.279 --> 00:27:15.839 He could not see any obvious problems. Okay, Yeah, And he 319 00:27:17.079 --> 00:27:21.799 drove it and he said it seems to drive fine. Naomi, what what 320 00:27:21.960 --> 00:27:26.440 well? Didn't he feel the hesitation? Well? Yes and no. But 321 00:27:26.640 --> 00:27:30.720 he's like, that could just be bad gas. So run that gas out. 322 00:27:30.640 --> 00:27:34.359 That's a good idea, jail me. How did it come on suddenly 323 00:27:34.480 --> 00:27:42.759 one day? Yes? And how long has it been going on? Since 324 00:27:42.759 --> 00:27:47.440 about July of last year? Oh? My goodness. So is it getting 325 00:27:47.519 --> 00:27:53.519 worse or is it staying the same? Kind of both. I took it 326 00:27:53.599 --> 00:27:56.640 in to get the codes ran. When those lights came on, they told 327 00:27:56.680 --> 00:28:00.960 me I needed a new battery, so I put out almost three for that. 328 00:28:03.359 --> 00:28:07.000 I don't think a battery would have caused that, but that could have 329 00:28:07.079 --> 00:28:10.640 been just a coincidental problem. Sure, sure, you know if you want 330 00:28:10.680 --> 00:28:12.200 to get it, you know, we'll be happy to look at it for 331 00:28:12.319 --> 00:28:15.839 you. We'll do it free inspection. Give you an idea, work great, 332 00:28:17.400 --> 00:28:21.839 Naomi? Where are you what part of town? I live over here 333 00:28:21.920 --> 00:28:26.000 in Lakewood off of Union and All. You're not far, You're not that 334 00:28:26.200 --> 00:28:32.759 far. He's on Collfax just west of Wadsworth YEP fullfax west of Wadsworth. 335 00:28:33.480 --> 00:28:37.799 Now hold on Naomi and uh Naomi Katschina will give you it's shared an auto 336 00:28:37.880 --> 00:28:41.680 tech Kachina will give you the information on how to find him or go online 337 00:28:41.759 --> 00:28:48.279 shared in auto tech dot com and uh, let's let's see what he finds 338 00:28:48.319 --> 00:28:52.319 out. Thank you, Naomi. We're always happy to help where we can, 339 00:28:52.759 --> 00:28:56.039 and I think Kevin of course at Shardan Auto Tech three oh three seven 340 00:28:56.119 --> 00:29:06.519 one three eight two five five go with a sure thing Denver's best roofer Excel 341 00:29:06.640 --> 00:29:12.400 roofing dot com. You don't pay a cent until you're content. Time for 342 00:29:12.440 --> 00:29:17.759 an insurance check up free, no obligation. In comparison, call Compass Insurance 343 00:29:17.960 --> 00:29:22.079 paying too much your coverage at dozens of insurance companies find out now three all 344 00:29:22.119 --> 00:29:26.200 three seven seven one help. You'll think you're his only customer when you choose 345 00:29:26.240 --> 00:29:30.640 Frank durand the real estate Man dot com to list your home with Remax Alliance 346 00:29:30.920 --> 00:29:37.119 three all three nine two zero sixteen twenty two. Hi Tom Martino, you're 347 00:29:37.240 --> 00:29:41.599 troubleshooter three oh three seven one three talk seven one three A two five five 348 00:29:44.519 --> 00:29:49.240 Kachina if you can get Dan McKenzie on about the will Jack. We will 349 00:29:49.359 --> 00:29:52.920 try to get an expert on to answer your questions. That's some of the 350 00:29:52.000 --> 00:29:56.119 things we try to do here for people. JR. What's your issue with 351 00:29:56.240 --> 00:30:02.319 T Mobile other than it's T Mobile? Yeah, right about that? Yeah, 352 00:30:02.359 --> 00:30:06.920 what's going on? Phone or ty issue? They sent me a new 353 00:30:07.000 --> 00:30:10.680 phone, I send the old one backed as per No. Hold on, 354 00:30:10.799 --> 00:30:12.599 how did it all start? Did it just did you just need a new 355 00:30:12.640 --> 00:30:18.039 phone? Yeah? The warrant? Ye, the phone was messing up? 356 00:30:18.119 --> 00:30:22.240 Okay? And how long had you had that phone since? January? Okay? 357 00:30:22.759 --> 00:30:26.160 Okay, right, all right, something like that. And and I 358 00:30:26.279 --> 00:30:30.559 sent the I sent the phone back as per instruction to put it in the 359 00:30:30.640 --> 00:30:34.119 box and send it to UPS. Now, was that after you received a 360 00:30:34.200 --> 00:30:37.799 new one? Or did you have to wait for a new one? No, 361 00:30:37.160 --> 00:30:41.039 wait for the new one? Okay, right, wait for the new 362 00:30:41.119 --> 00:30:47.240 one. I boxed it up and sent it out. Okay, I went 363 00:30:47.279 --> 00:30:51.559 to UPS. I got a tracking number. Now they said they haven't received 364 00:30:51.599 --> 00:30:55.240 it, so they're charging me for the phone. But you did get the 365 00:30:55.319 --> 00:30:56.799 new one, right, Yeah? I got the new one. Yeah, 366 00:30:56.799 --> 00:31:00.960 I got the new one. Oh, the problem the old one. They're 367 00:31:02.000 --> 00:31:03.640 charging me for it because they haven't received it at their office. No, 368 00:31:03.799 --> 00:31:07.759 I get it. This is not the first time this has happened. Did 369 00:31:07.839 --> 00:31:15.119 you get a signature requested? Signature requested? Or I got to try. 370 00:31:15.400 --> 00:31:18.480 I have a drop off package receipt from the UPS. You do, okay? 371 00:31:19.039 --> 00:31:22.200 And they so they usually take a pick of it so they know it 372 00:31:22.359 --> 00:31:26.960 was sent there. Did you send it? What to a corporate office or 373 00:31:26.000 --> 00:31:30.000 to a store or what? I went down the street there and put I 374 00:31:30.079 --> 00:31:34.480 said, I'm putting in a UPS office. I took it myself. But 375 00:31:34.640 --> 00:31:38.240 but you have a tracking number, right or I have a tracking number? 376 00:31:38.319 --> 00:31:41.960 And yeah, And I discussed that with T Mobile and they said, yeah, 377 00:31:41.200 --> 00:31:45.640 we know you sent it, but we haven't received it until where you 378 00:31:45.720 --> 00:31:48.759 save it. We're charging you. So I'm getting a bill for X amount 379 00:31:48.759 --> 00:31:51.640 of money to pay it back. So wait a minute, when did you 380 00:31:51.759 --> 00:31:56.359 actually when did you actually drop it off at UPS? February of the second 381 00:31:56.000 --> 00:32:00.640 this year. Yeah, this is ridiculous. You know, I don't. 382 00:32:01.119 --> 00:32:05.200 This is a weird problem. And I'll tell you why. J are it 383 00:32:05.359 --> 00:32:08.039 happens all the time, not just with T Mobile? I mean, you 384 00:32:08.119 --> 00:32:12.279 know, what good is a tracking number? What good is all of that 385 00:32:12.480 --> 00:32:15.960 When they say they didn't get it back? Was there something you were supposed 386 00:32:15.279 --> 00:32:19.599 was there somewhere you were supposed to direct it? I mean, tell me 387 00:32:19.720 --> 00:32:22.359 what, how were you supposed to send it back in their box? Right 388 00:32:23.160 --> 00:32:28.119 in their box with their shipping label. That's a UPS and you did it 389 00:32:28.240 --> 00:32:31.599 and UPS said it was delivered. And how much are they charging you every 390 00:32:31.720 --> 00:32:38.119 month? Or a lump sum? About a two hundred and seventy bucks something 391 00:32:38.200 --> 00:32:44.519 like that approximately? Okay, did they do a lump sum? Then yeah, 392 00:32:44.960 --> 00:32:49.480 they want that back. Yeah. So I've contacted their office twice, 393 00:32:49.720 --> 00:32:53.519 once in March and just a couple of days ago in April. Say we 394 00:32:53.599 --> 00:32:57.240 don't have it, we don't receive it. We're charging you. I'll say, 395 00:32:57.319 --> 00:32:59.960 yeah, you got me a hospeach because it's all my credit card. 396 00:33:00.000 --> 00:33:02.519 Okay, they have my credit cards. Yeah, but hold on a second. 397 00:33:02.640 --> 00:33:07.079 I got some ideas. Hang on, I'm Tom Martino. More coming 398 00:33:07.200 --> 00:33:12.599 up, including JR. I think I have some solutions, So stick around. 399 00:33:12.640 --> 00:33:15.799 I'm Tom Martino three O three seven to one three talk. Don't forget 400 00:33:15.200 --> 00:33:20.039 three oh three Martino. You can call any time, no restrictions. We'll 401 00:33:20.079 --> 00:33:22.720 get back to you on that. If we're not around three oh three sixty 402 00:33:22.720 --> 00:33:25.920 two seven eight four sixty six, go with a sure thing Denver's Best roofer 403 00:33:27.079 --> 00:33:34.319 Excel Roofing dot com. You don't pay a cent until you're contenth time for 404 00:33:34.359 --> 00:33:37.680 an insurance check up free, no obligation. In comparison, call Compass Insurance 405 00:33:37.880 --> 00:33:43.000 paying too much your coverage at dozens of insurance companies find out now three oh 406 00:33:43.079 --> 00:33:45.720 three seven to seven to one help. You'll think you're his only customer when 407 00:33:45.759 --> 00:33:50.440 you choose Frank durand the real estate Man dot com to list your home with 408 00:33:50.599 --> 00:34:04.599 Remax Alliance three oh three nine two zero sixteen twenty two d need so you 409 00:34:04.759 --> 00:34:12.960 don't have to come running as fast as we can. Shooter's gonna help come, 410 00:34:13.599 --> 00:34:23.800 Man Dix is the Troubleshooter Show. No, Tom Martino, Welcome, 411 00:34:23.880 --> 00:34:27.760 Welcome to the show, the only and I mean it's the only show of 412 00:34:27.800 --> 00:34:30.639 it's kind. We're here to solve problems. I'm here, Okay, I 413 00:34:30.719 --> 00:34:35.599 don't, Mark, I mean, he just be honest. Whose fault was 414 00:34:35.679 --> 00:34:39.440 that, Shannon? You didn't play the game entirely? Okay, good God, 415 00:34:39.519 --> 00:34:42.840 keep going, Mark, go ahead, keep going. What were you 416 00:34:42.920 --> 00:34:45.000 saying? Yeah, yeah, yeah, yeah, yeah, three oh three 417 00:34:45.119 --> 00:34:51.719 Martino three three sixty seven eight four sixty six. Hey, Mark, on 418 00:34:51.960 --> 00:34:57.000 the bankruptcy, you know a question, I get a lot, and I'm 419 00:34:57.039 --> 00:35:01.880 wondering if Mike gets it. Can you go bankrupt on just one thing, 420 00:35:02.519 --> 00:35:07.280 like a medical bill, because you really don't want to ruin everything else. 421 00:35:08.800 --> 00:35:14.599 No, bankruptcy is an all or nothing proposition. I mean, you can 422 00:35:14.639 --> 00:35:22.239 try to reaffirm your other debt, but that's difficult and defeats the purpose exactly 423 00:35:22.519 --> 00:35:24.840 exactly. So yeah, Unfortunately, when you go in all of your decos, 424 00:35:24.880 --> 00:35:28.480 and even if you had a credit card that had a zero balance, 425 00:35:29.079 --> 00:35:32.280 you could theoretically leave it off, but they're going to track your social defiling 426 00:35:32.360 --> 00:35:37.079 and they'll shut down that card. The Wink Law Firm, that's Mike Wink, 427 00:35:37.280 --> 00:35:43.960 and he's here today to talk about credit and issues like that. So 428 00:35:45.199 --> 00:35:49.119 when he's not here, of course, you can reach him at eight. 429 00:35:49.400 --> 00:35:52.800 The numbers easy to remember, eight eight to eight. Now Wink, and 430 00:35:53.719 --> 00:36:00.360 let's talk about let's see, I'm gonna wait for Jack. We're going to 431 00:36:00.400 --> 00:36:02.159 get an expert on for your father's will. But I want to go back 432 00:36:02.199 --> 00:36:07.440 to JR and T Mobile Basically, it's very simple. He had a phone 433 00:36:07.480 --> 00:36:10.800 under warranty, he got a new one. It broke, so we got 434 00:36:10.840 --> 00:36:14.920 a new one. And what they normally do is ship you the new one, 435 00:36:15.519 --> 00:36:17.320 then you pack your old one in the box and send it back. 436 00:36:19.920 --> 00:36:23.320 The UPS tracking number shows it was delivered, but they're still charging him. 437 00:36:23.599 --> 00:36:29.159 And this is ultra simple, and that is it's on your credit card. 438 00:36:29.559 --> 00:36:36.480 You can actually dispute the charge and you can use the UPS tracking to show 439 00:36:36.559 --> 00:36:39.239 that it was sent back. Now, obviously, you know, we can 440 00:36:39.280 --> 00:36:43.760 get ridiculous on this and people could say, well, how do we know 441 00:36:44.800 --> 00:36:47.119 they you didn't put a rock in the box, how do we know there 442 00:36:47.199 --> 00:36:51.719 was a phone actually in the box, blah blah blah. I don't think 443 00:36:51.760 --> 00:36:53.800 it's going to go that far. I think your credit card should back out 444 00:36:53.840 --> 00:36:59.880 that charge immediately. Now. If they don't, another option would be small 445 00:37:00.039 --> 00:37:02.199 claims court. I mean, what are they gonna do. They're gonna go 446 00:37:02.320 --> 00:37:05.639 and say, well, we didn't get it and you have a tracking number 447 00:37:05.679 --> 00:37:07.679 showing you did. I mean, I don't know how far they go with 448 00:37:07.760 --> 00:37:12.360 this mark. Do you think small claims would t mobile? I think they 449 00:37:12.440 --> 00:37:15.320 would settle and say and forget it. Don't you think they would? Okay, 450 00:37:15.400 --> 00:37:20.840 now, JR. Did you try your credit card first? No? 451 00:37:21.000 --> 00:37:23.440 I haven't done it yet. No, not yet. That's what I want 452 00:37:23.480 --> 00:37:29.320 you to try first. I think it's gonna work. I really do the 453 00:37:29.519 --> 00:37:34.519 other thing right on the statement. Yeah, Now you go on the statement 454 00:37:34.559 --> 00:37:37.760 where it is, and then you can do it online usually and say this 455 00:37:38.000 --> 00:37:43.000 charge the phone was sent back. I have proof of it. I should 456 00:37:43.039 --> 00:37:45.960 not have been charged this. I think that's as far as it's going to 457 00:37:45.039 --> 00:37:49.800 go. Man. Now, if not, then what you're gonna have to 458 00:37:49.920 --> 00:37:55.639 do is simply go to the Secretary of State to search databases. It's so 459 00:37:55.960 --> 00:38:00.559 easy. You can google it and then you look for T Mobile and you'll 460 00:38:00.599 --> 00:38:04.800 see who their registered agent is and you consume them. I mean, it's 461 00:38:05.000 --> 00:38:10.400 it's really pretty simple. Okay, what I would start charge? What's that? 462 00:38:12.320 --> 00:38:15.480 Would I get back to filing charge? Well? No, probably probably? 463 00:38:15.760 --> 00:38:17.679 Mark? Have you ever, by the way, that's a good point. 464 00:38:17.920 --> 00:38:22.559 Mark. Have you ever tried to get back a filing charge for the 465 00:38:22.679 --> 00:38:27.719 small claims? Yeah? You always get court cost if you win? Oh 466 00:38:27.840 --> 00:38:30.800 you do? Yeah? What's fifty five bucks? I mean, Mark, 467 00:38:30.880 --> 00:38:32.719 I did I did not know that? Yeah, you build it right into 468 00:38:32.760 --> 00:38:38.639 the claim. Okay, hey, listen on Mark when you go to search 469 00:38:38.800 --> 00:38:44.199 the database. So I did what was obvious to find a registered agent. 470 00:38:44.320 --> 00:38:47.519 I put in T mobile, but nothing comes up. Yeah, they're there 471 00:38:47.599 --> 00:38:52.840 somewhere. I've sued him before. Oh you have? Did you win? 472 00:38:52.079 --> 00:38:59.920 I can't talk about it. Okay, Okay, now when you look, 473 00:39:00.159 --> 00:39:04.480 because if I put in T mobile, I what do you remember? No? 474 00:39:04.639 --> 00:39:06.679 But I know they're there. I'll find them. It's not a big 475 00:39:06.760 --> 00:39:09.320 deal. And I served them at a local store owned by him in my 476 00:39:09.480 --> 00:39:15.679 own county, Douglas County. Excellent. So there you go. We're gonna 477 00:39:15.719 --> 00:39:19.599 walk you through this. First, try your credit card, then call us 478 00:39:19.639 --> 00:39:22.480 back to our three h three seven one three talk seven one three eight two 479 00:39:22.679 --> 00:39:28.079 five five. I love it when we can help people like that, because 480 00:39:28.119 --> 00:39:35.639 I think it's gonna work. And I have a Dan want to talk about 481 00:39:35.679 --> 00:39:44.599 a garage? Go ahead, Dan, Hi, So contractor I hired built 482 00:39:44.760 --> 00:39:49.599 a thirteen hundred square fuck roage morning. Okay, when did you hire him 483 00:39:49.639 --> 00:39:58.239 to do that? Last year? Okay? Now, now who is the 484 00:39:58.360 --> 00:40:02.039 contractor? If you don't mind, Oh, I really prefer not to say. 485 00:40:02.440 --> 00:40:06.159 Okay, so far so good. I don't care. I mean, 486 00:40:06.239 --> 00:40:07.400 if we help you, though, we might need to know. But go 487 00:40:07.480 --> 00:40:13.760 ahead. What happened? Yeah, so there's a lot that's vacant next to 488 00:40:13.880 --> 00:40:19.760 me, and he built one third of the garage on the neighbor's lot. 489 00:40:21.119 --> 00:40:23.519 Oh wait a minute, wait a minute. Didn't he get a building permit? 490 00:40:24.679 --> 00:40:29.800 Oh, he got a building permit, He went through architectural review, 491 00:40:30.079 --> 00:40:32.599 all sorts of things. No, hold on, hold on, did you 492 00:40:32.719 --> 00:40:38.559 know where your property line was? You couldn't see it? Well, it's 493 00:40:38.639 --> 00:40:43.440 not a visual thing. No, No, What I mean is how big 494 00:40:43.519 --> 00:40:47.920 are your lots? By the way, acre mine is an acre, a 495 00:40:49.000 --> 00:40:53.159 little bit over an acre and a half. Okay, that's as they get 496 00:40:53.199 --> 00:40:57.000 a little bigger, it might be a little more difficult. So when you 497 00:40:57.280 --> 00:41:00.559 when you eyeball your property line, I mean, do you have a clue 498 00:41:00.599 --> 00:41:04.960 where your property line is? Yes? Oh yeah, and I do. 499 00:41:05.159 --> 00:41:12.480 Now, but did you before? Not exactly? Well, then who staked 500 00:41:12.519 --> 00:41:16.599 out the garage? The contractor did all the work. But but wait, 501 00:41:16.679 --> 00:41:20.760 wait, you must have gone out there and said this is where I want 502 00:41:20.840 --> 00:41:24.559 it. No, wait, wait, wait, wait, so you hired 503 00:41:24.599 --> 00:41:30.480 a contractor and said put it anywhere you want. Basically, we argued in 504 00:41:30.599 --> 00:41:35.360 different locations, and this is the area he picked. No, come on, 505 00:41:35.519 --> 00:41:39.039 Oh wait a minute, Dan, Come on, this guy arbitrarily went 506 00:41:39.159 --> 00:41:43.840 on your lot and picked a spot. Oh no, he did not arbitrarily 507 00:41:43.960 --> 00:41:46.719 go on. I wanted it in one place, and he said this would 508 00:41:46.719 --> 00:41:52.760 be better in this place. And so but how far away was your place 509 00:41:52.840 --> 00:41:55.840 from his place? Oh? Quite a ways, on the other side of 510 00:41:55.920 --> 00:42:01.360 a lot. Was there a driveway there? Yeah? Oh yeah, they're 511 00:42:01.360 --> 00:42:07.360 a big driveway and on both sides of your house. Yes, So you 512 00:42:07.480 --> 00:42:12.000 have a driveway where you wanted to put it, and you have another driveway 513 00:42:12.000 --> 00:42:15.000 where he wanted to put it. Yeah, and so but I agreed, 514 00:42:15.159 --> 00:42:20.960 you know, and it was agreed on. You know that I accepted where 515 00:42:21.039 --> 00:42:25.400 he I don't think it's his responsibility to know your property line? WHOA, 516 00:42:27.559 --> 00:42:30.840 I don't, Mark. Do you think it's his response if you went out 517 00:42:30.880 --> 00:42:34.119 there, Mark and told him where to put your RV garage and it turned 518 00:42:34.159 --> 00:42:36.840 out to be part on your neighbors, I mean, or if he went 519 00:42:36.880 --> 00:42:38.960 out and suggested it and you said, okay, Well, I don't think 520 00:42:39.000 --> 00:42:43.880 you can blame this guy. Well, I think it's crazy because generally when 521 00:42:43.920 --> 00:42:45.880 I built mine, I mean, Douglas County was out there all the time. 522 00:42:46.239 --> 00:42:50.280 I had to prove the setback from the property line. I had to 523 00:42:50.400 --> 00:42:52.760 do all kinds of things. Are there setbacks? Where is this Dan? 524 00:42:52.880 --> 00:43:00.360 What municipality? Pablo West? Okay, well there are set back It's like 525 00:43:00.440 --> 00:43:05.199 the wild West out there. There are setbacks, said ten feet? Yeah, 526 00:43:06.400 --> 00:43:08.920 okay, so why did not? Okay, it is like the wild 527 00:43:09.000 --> 00:43:13.159 West. And I hate to Oh my god, I hate to say this, 528 00:43:13.320 --> 00:43:19.000 but dealing with those officials out there, my god, they're just Pueblo 529 00:43:19.079 --> 00:43:22.679 withness. Yeah, there's only one county worse. So that's well, but 530 00:43:22.800 --> 00:43:25.239 that's only because I still don't understand how they signed off on it. I 531 00:43:25.320 --> 00:43:29.599 mean, these things go in order, they come out, they make sure 532 00:43:29.639 --> 00:43:32.559 the setbacks, they see the exact place you're going to put the structure. 533 00:43:32.960 --> 00:43:37.599 I don't understand how this got done, unless you know they didn't call for 534 00:43:37.679 --> 00:43:42.159 a permit or anything. No, No, they have a permit. They 535 00:43:42.239 --> 00:43:45.000 have a box out front. I've met the building inspectors every once in a 536 00:43:45.079 --> 00:43:49.960 while, I'll run in Tom and they've been out signing it off. Well, 537 00:43:50.039 --> 00:43:52.039 I had to listen, man, I had to literally show where the 538 00:43:52.119 --> 00:43:57.440 building was gonna be on my property. You had to stake it, So 539 00:43:57.679 --> 00:44:00.719 you didn't do that, or you're a guy didn't I wouldn't know how. 540 00:44:00.960 --> 00:44:05.239 So yeah, listen, I'm gonna tell you something. Down and slid through 541 00:44:05.280 --> 00:44:08.119 the cracks, Dan, I'm gonna tell you something. Okay, the county 542 00:44:08.199 --> 00:44:13.119 is partially to blame, but they're not gonna they they're not gonna take any 543 00:44:13.320 --> 00:44:16.119 Uh. You know, they're not gonna it's not gonna help you. And 544 00:44:16.760 --> 00:44:22.679 the contractor is part to blame, but so are you. Man, Really 545 00:44:22.800 --> 00:44:24.920 and truly it's more you than the contractor. You don't want to hear that, 546 00:44:25.039 --> 00:44:29.760 but it really is. I mean, that's my excuse me, that's 547 00:44:29.880 --> 00:44:34.199 my opinion. I should mention that my opinion. I'm still here's the part 548 00:44:34.320 --> 00:44:38.239 I'm still missing. If they signed off on the location like Douglas County had 549 00:44:38.320 --> 00:44:42.639 to do, I would even say it's the county's issue. I know, 550 00:44:42.840 --> 00:44:45.519 Mark, I just said. I said they're to blame, but you're not 551 00:44:45.599 --> 00:44:51.880 gonna get anywhere with them. Well that's probably true. Now, is your 552 00:44:51.960 --> 00:44:57.559 neighbor willing to do what's called a lot line adjustment? Yeah, you swap 553 00:44:57.639 --> 00:45:00.280 property he gives you X amount of feet, you give it to him. 554 00:45:00.559 --> 00:45:07.199 Absolutely not if he wants to sell me the lot the whole Wait wait wait, 555 00:45:07.519 --> 00:45:12.480 is he on the lot? No, it's a vacant lot. And 556 00:45:12.599 --> 00:45:15.639 that's even more reason why you should have had an improvement survey. Okay, 557 00:45:15.719 --> 00:45:20.360 so hold on? How much is it? Is he being unreasonable about selling 558 00:45:20.440 --> 00:45:24.599 it to you? And that's why I'm calling you three times market value? 559 00:45:25.119 --> 00:45:29.119 Well that's just holy he wants Yeah, but I mean, what the hell 560 00:45:29.239 --> 00:45:34.039 is he going to do? How much do you got in this structure? 561 00:45:34.119 --> 00:45:39.840 Man? Oh? Say about a hundred and a little over one hundred? 562 00:45:40.119 --> 00:45:43.400 Yikes? No, no, wait a minute, Wait a minute, Dan, 563 00:45:43.880 --> 00:45:46.679 Dan, Hold on a second. You set a thirteen hundred square foot 564 00:45:46.719 --> 00:45:52.679 garage on what planet do you live where a thirteen hundred square foot garage cost 565 00:45:52.760 --> 00:45:58.119 you one hundred grand? Seriously? Bro, I think home on? Is 566 00:45:58.159 --> 00:46:00.239 it on a foundation? I mean today to do a lot of dirt work. 567 00:46:00.679 --> 00:46:06.920 This is a first class. It's it's been, it's stuff goed. 568 00:46:07.480 --> 00:46:10.519 Uh you know, it's almost finished, it's insulated. Yeah. I could 569 00:46:10.519 --> 00:46:15.360 easily get there, Tom, And how much? How wait? How much 570 00:46:15.599 --> 00:46:22.480 I got a car? How much is the lot next door? Does he 571 00:46:22.559 --> 00:46:28.800 want for it? Close to a million? Close for an acre and a 572 00:46:28.880 --> 00:46:35.559 half. Yeah, that's Peblo West. I think you could buy Pueblo for 573 00:46:35.679 --> 00:46:38.800 that. Yes, And that's what I'm the word he's home cooing. I 574 00:46:38.920 --> 00:46:43.079 feel he's gounging me. He knows how much? Wait he is, he's 575 00:46:43.119 --> 00:46:45.880 got you over a barrel man, Jacob, how much? Wait a second? 576 00:46:46.599 --> 00:46:53.440 How much? Did how much did this whole thing? Uh end up 577 00:46:53.559 --> 00:46:59.639 costing? As far as the lot goes somewhere else? Like, like, 578 00:47:00.039 --> 00:47:05.079 what would that lot sell for? And that's what I asked two years ago? 579 00:47:05.639 --> 00:47:08.679 The current owner bought it for two hundred and eighty eight thousand. How 580 00:47:08.760 --> 00:47:14.639 much are you willing to pay for it? I offered him three hundred thousand 581 00:47:14.800 --> 00:47:19.119 macs. What a reasonable, reasonable guy you are. Yeah, but it 582 00:47:19.159 --> 00:47:22.760 doesn't matter. This guy holds all the cards. Yeah. But Mark, 583 00:47:23.039 --> 00:47:29.239 I'm gonna tell you something. If he did nothing at all, the neighbor 584 00:47:29.280 --> 00:47:31.440 would have to sue him. Now, listen carefully to what I'm saying. 585 00:47:32.239 --> 00:47:39.320 When the neighbor sues him and there is an ultimate loss assessed, the neighbor 586 00:47:39.440 --> 00:47:44.119 doesn't get to call the loss what he wants it to be. In fact, 587 00:47:44.280 --> 00:47:47.719 in this case, it might even be better to make the guy sue 588 00:47:47.800 --> 00:47:52.000 you and you pay him damages. The guy could simply put it up for 589 00:47:52.199 --> 00:47:57.039 sale for a million bucks and not gonna buy it. Not who's gonna buy 590 00:47:57.079 --> 00:47:59.800 it? I have no idea, but my point is he could sue this 591 00:48:00.519 --> 00:48:02.800 because he doesn't even really have the ability to sell it, because this guy 592 00:48:02.840 --> 00:48:07.599 built on his property. But Mark, it still comes down to damages. 593 00:48:08.239 --> 00:48:13.079 I don't care. I don't care what you say your lot's worth. If 594 00:48:13.199 --> 00:48:17.400 I ruined your lot or took part of it, it still comes down to 595 00:48:17.760 --> 00:48:23.079 damages, and those damages. If these two can't agree to what they are, 596 00:48:23.639 --> 00:48:29.639 it would end up being the judge who would hire experts. And if 597 00:48:29.719 --> 00:48:32.679 what this caller is saying is true, he would end up paying closer to 598 00:48:32.760 --> 00:48:37.639 what he wants than what the neighbor wants. What's to stop him from taking 599 00:48:37.679 --> 00:48:40.800 a bulldozer to it? You can't do that. So if someone builds some 600 00:48:42.079 --> 00:48:45.400 shack on my house, mark or not, I can't take Now. You 601 00:48:45.519 --> 00:48:49.719 see, you totally went off the reservation when you said if someone built a 602 00:48:49.880 --> 00:48:53.719 shack on your property, weren't talking about a nice structure where a third of 603 00:48:53.760 --> 00:48:58.320 it's on the other guy's land. And I am telling you, and Michael 604 00:48:58.400 --> 00:49:00.639 tell you right there, he's an attorney. If that neighbor did that, 605 00:49:01.119 --> 00:49:05.239 then this guy could sue the neighbor for doing What is if he wants to 606 00:49:05.280 --> 00:49:07.280 build a spec house there and try to sell it and he doesn't have that 607 00:49:07.400 --> 00:49:14.880 ability, still comes down to damage it, because it does. However egregious 608 00:49:15.000 --> 00:49:17.760 the offense, it all offends run to what did you actually impact this person 609 00:49:17.880 --> 00:49:23.360 financial? Thank you very much, keep up, Mark, will keep bringing 610 00:49:23.480 --> 00:49:29.239 up scenarios till the end of time when truly, no matter how much he 611 00:49:29.440 --> 00:49:36.079 pouts and robs and and your go to on this is to do nothing. 612 00:49:37.159 --> 00:49:39.079 But I think what you're saying is it could impact the value of the whole 613 00:49:39.119 --> 00:49:43.079 lot. So arguably the whole lot, I mean, I think that would 614 00:49:43.079 --> 00:49:45.840 be a stretch, but arguably the whole lot has been damaged. Right, 615 00:49:46.079 --> 00:49:52.199 you can't build a structure, so now you can't damage that's the you know, 616 00:49:52.320 --> 00:49:54.559 that's still the damage. You can't It's not a billion dollars, right, 617 00:49:54.639 --> 00:50:00.599 it's you know, it's whatever the long work, whatever it would take 618 00:50:00.719 --> 00:50:04.400 him to replace the lot, that's all it's worth. And that's what I'm 619 00:50:04.440 --> 00:50:08.199 saying, Mike. This guy is willing to buy the entire lot for what 620 00:50:08.440 --> 00:50:13.519 he feels is the true market value. And if this guy is right, 621 00:50:13.920 --> 00:50:17.119 that's the most that will be assessed against him. Can move for less than 622 00:50:17.119 --> 00:50:22.760 three hundred thousand? What's that? Can it be moved for less than three 623 00:50:22.840 --> 00:50:27.199 hundred thousand? Yeah, but listen to this. If he destroys that whole 624 00:50:27.280 --> 00:50:30.280 garage and rebuilds it, let's say it costs him double. He'd cost one 625 00:50:30.360 --> 00:50:34.440 hundred grand to build it, and it's going to cost two hundred. He'd 626 00:50:34.599 --> 00:50:38.119 rather pay the extra one hundred and own the lot. And again, this 627 00:50:38.320 --> 00:50:43.000 is where the court of equity comes in. Ask Mike, right there, 628 00:50:43.280 --> 00:50:46.920 it all comes down to what he took. It doesn't matter what you think 629 00:50:47.039 --> 00:50:52.039 he took. It doesn't matter what you want it to be, It doesn't 630 00:50:52.440 --> 00:50:57.440 matter. That is why people go to court, or in this case, 631 00:50:57.679 --> 00:51:00.719 when I say, my go to is to do nothing. No, he 632 00:51:00.880 --> 00:51:04.480 should make a formal offer to this guy. And Michael, see why I'm 633 00:51:04.519 --> 00:51:07.639 saying this, because then when it goes to court and this guy tries to 634 00:51:07.719 --> 00:51:13.000 get court costs, here's what the judge is going to say, are you 635 00:51:13.199 --> 00:51:17.679 kidding me? This man offered you fair market value you and you took him 636 00:51:17.719 --> 00:51:22.119 to court, and now you want to try didn't realize you could force someone 637 00:51:22.239 --> 00:51:24.159 to sell, you know, your property for whatever the hell they want to 638 00:51:24.199 --> 00:51:29.199 get fair market value. You do want to keep the lote, You do 639 00:51:29.320 --> 00:51:32.519 want to do a spect You want to do something. You can't force a 640 00:51:32.719 --> 00:51:37.320 guy to sell your daughters in law school ask her to look up precedent. 641 00:51:37.559 --> 00:51:42.559 There has never been a case in history where you have to pay more than 642 00:51:42.639 --> 00:51:45.719 something is worth, unless there's some emotional attachment that we don't know about, 643 00:51:46.000 --> 00:51:51.440 or some intrinsic value. Maybe there's oil under it, maybe something else. 644 00:51:51.679 --> 00:51:55.480 But land is not magic. Theoretically, if he's paid what it's worth, 645 00:51:55.599 --> 00:52:00.920 he can buy another lot. Michael, am I missing something? I think 646 00:52:00.960 --> 00:52:04.119 that's right, except I don't know that if there was a lawsuit that the 647 00:52:04.239 --> 00:52:07.920 damages would buy the lot, right, the damages would buy the space. 648 00:52:08.000 --> 00:52:12.920 Oh no, that's right, that's right. But the damages if in fact 649 00:52:13.039 --> 00:52:15.880 the damages were found to be the total value of the lot, what do 650 00:52:15.960 --> 00:52:21.199 you think the chances are how this guy would have to buy next lot and 651 00:52:21.320 --> 00:52:23.840 not get possessions? How do you find another lot I'm assuming next to the 652 00:52:23.960 --> 00:52:29.239 other guy. How do you value something that if I have a lot in 653 00:52:29.519 --> 00:52:36.840 only adjacent there's tons of tough the value do you realize under your scenario? 654 00:52:37.320 --> 00:52:40.880 Under your scenario, there would never be a settlement in court ever, because 655 00:52:40.920 --> 00:52:45.000 you could always bring up a reason why, No, I don't want the 656 00:52:45.079 --> 00:52:47.480 money. I want that lot. I don't care what you say, Judge, 657 00:52:47.800 --> 00:52:52.079 that's the one I want. My heart was set on it. I 658 00:52:52.159 --> 00:52:55.159 think we're way over on breakman. Okay, I'm sorry. Three oh three 659 00:52:55.280 --> 00:53:05.000 seven one three A two five hive go with a sure thing Denver's best roofer 660 00:53:05.159 --> 00:53:12.400 Excel Roofing dot com. You don't pay a cent until you're contenth time for 661 00:53:12.440 --> 00:53:15.760 an insurance check up free, no obligation. In comparison, call Compass Insurance 662 00:53:15.960 --> 00:53:21.079 paying too much your coverage at dozens of insurance companies find out now three all 663 00:53:21.159 --> 00:53:23.599 three seven to seven to one. Help. You'll think you're his only customer 664 00:53:23.639 --> 00:53:28.239 when you choose Frank durand the real estate Man dot com to list your home 665 00:53:28.480 --> 00:53:36.440 with Remax Alliance three all three nine two zero sixteen twenty two. All right, 666 00:53:36.519 --> 00:53:40.239 So basically, Dan had a contractor building br and they all made a 667 00:53:40.320 --> 00:53:44.519 mistake. The county, the contractor dan it was put a third of it 668 00:53:44.639 --> 00:53:46.679 on his neighbor's lot. His neighbor's lots an acre and a half. His 669 00:53:47.079 --> 00:53:51.280 his is an acre, or it's whatever size it is. The neighbor wants 670 00:53:52.079 --> 00:53:54.360 him to pay a million and a half for the lot, or a million. 671 00:53:54.480 --> 00:53:58.320 This guy wants to buy it for three hundred thousand. He said, 672 00:53:58.360 --> 00:54:00.480 that's what market value is. And I said, you know, in the 673 00:54:00.519 --> 00:54:05.039 absence of any kind of a settlement, put the settlement in writing and then 674 00:54:05.119 --> 00:54:07.840 make him take you to court, because the judge will never ever award more 675 00:54:07.920 --> 00:54:13.199 than the lot's worth. Jay, Though you have a comment, go ahead, 676 00:54:13.280 --> 00:54:19.639 Jay, Hey Tom, So before you build, you always have to 677 00:54:19.679 --> 00:54:23.960 give an improvement survey. Usually usually you do. They won't build with that 678 00:54:24.079 --> 00:54:29.039 one. Well, how did they? How did they let him build it? 679 00:54:29.800 --> 00:54:34.039 They probably didn't. Somewhere there's probably a survey that somebody needs to examine 680 00:54:34.519 --> 00:54:37.760 the survey or got it wrong. Then he's in some trouble. If the 681 00:54:37.840 --> 00:54:42.079 survey says it's his land, maybe it is his land. That could be 682 00:54:42.199 --> 00:54:46.159 too, That could be too. I mean, there's more than meets the 683 00:54:46.239 --> 00:54:51.559 eye, that's for sure, Jay, Thank you. Hey, Jay, 684 00:54:51.679 --> 00:54:53.760 you know what I would do. I would verify the survey, Jay, 685 00:54:53.840 --> 00:54:58.400 That's what I would do. Excuse me, Dan. Jay brings up a 686 00:54:58.480 --> 00:55:01.000 good point. Why don't you have did you have a survey done yet? 687 00:55:02.159 --> 00:55:07.159 Not yet? No, you have to have one done truly, and you 688 00:55:07.320 --> 00:55:10.039 need to make sure it's a it's a certified survey. Going back to what's 689 00:55:10.119 --> 00:55:15.920 called a monument or a recent monument. Monuments are concrete things put in the 690 00:55:16.000 --> 00:55:22.599 ground that all surveyors go off of. They don't relay monuments so or very 691 00:55:22.719 --> 00:55:27.960 seldom. So what would happen is they would have to either meddle or concrete, 692 00:55:27.960 --> 00:55:31.920 but they would go back to monuments in order to verify surveys because sometimes 693 00:55:31.960 --> 00:55:36.800 when you have a little error and one surveyor goes off of that error, 694 00:55:36.880 --> 00:55:39.880 and then the next survey goes off of that surveyor's error, it gets bigger 695 00:55:40.000 --> 00:55:44.719 and bigger and the error could end up. Jay brought up a very good 696 00:55:44.800 --> 00:55:49.440 point, Dan, but that's really listen, that's really what you need to 697 00:55:49.519 --> 00:55:52.360 do. And if you do need a real estate attorney. Brad O'Brien O'Brien 698 00:55:52.480 --> 00:55:57.840 Legal services. I'm telling you olslaw dot com. He handles this. This 699 00:55:58.039 --> 00:56:01.320 is exactly the kind of stuff he does. And speaking of real estate stuff, 700 00:56:01.400 --> 00:56:05.239 Bill, you have a property, you have property access question. Then 701 00:56:05.280 --> 00:56:07.800 I have to take a quick break because I got behind my fault. Bill, 702 00:56:07.880 --> 00:56:12.480 go ahead, Hey, do I have to allow access onto my property? 703 00:56:13.320 --> 00:56:17.920 When see my neighbor's tree fell through my fence into my yard and he 704 00:56:19.519 --> 00:56:24.119 has access, but it's easier going through my yard. Well, here's the 705 00:56:24.199 --> 00:56:30.000 point. Technically, you don't have to if there is no easement or no 706 00:56:30.519 --> 00:56:35.599 right of way technically, but the only I can't think of a reason why 707 00:56:35.719 --> 00:56:37.880 you wouldn't if it fell through it he wants to fix it. Well, 708 00:56:37.960 --> 00:56:44.599 because they came, like the tree company came with this gigantic panel truck. 709 00:56:45.199 --> 00:56:46.880 Oh, if you don't want them to chew up your lawn and all that, 710 00:56:47.039 --> 00:56:51.199 I get that part. Yes, And so they went around on his 711 00:56:51.480 --> 00:56:57.280 side. Yeah, it's got stuck in the mud in his property. Okay, 712 00:56:58.159 --> 00:57:00.880 No, no, no, I don't blame you for not wanting them 713 00:57:00.960 --> 00:57:02.880 to chew up and screw up your lawn. No, of course not. 714 00:57:04.039 --> 00:57:07.199 You don't have to let them do that. But let them walk and theyke 715 00:57:07.280 --> 00:57:08.920 a wheel back. No, no, I understand all that You should mention 716 00:57:09.079 --> 00:57:14.039 that or make them put up a deposit of some kind. Three O three 717 00:57:14.159 --> 00:57:22.320 seven one three A two five five. Go with a sure thing Denver's Best 718 00:57:22.440 --> 00:57:25.440 roofer Excel Roofing dot com. You don't pay a cent until you're content. 719 00:57:29.840 --> 00:57:32.360 Time for an insurance check up free, no obligation. In comparison, call 720 00:57:32.480 --> 00:57:37.400 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 721 00:57:37.519 --> 00:57:42.320 three oh three seven seven to one help. You'll think you're his only customer 722 00:57:42.400 --> 00:57:45.000 when you choose Frank durand the real estate Man dot com to list your home 723 00:57:45.239 --> 00:57:54.280 with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom 724 00:57:54.320 --> 00:57:59.800 Martino here three O three seven one three talks seven one three eight two five 725 00:58:00.119 --> 00:58:06.559 five. Jack's got a question about his father's Will Jack go ahead? What's 726 00:58:06.599 --> 00:58:15.119 happening? Oh? My dad passed away last Tuesday? Oh my goodness, 727 00:58:16.199 --> 00:58:22.280 was this sudden? Jack? Well, he had help and he just wanted 728 00:58:22.320 --> 00:58:27.760 to go home to pass away. He didn't want to dine in the hospital. 729 00:58:27.800 --> 00:58:31.840 He just didn't want to go through all of that anymore. And so 730 00:58:32.000 --> 00:58:39.800 we were granting his wishes. He was happy. But when he passes away, 731 00:58:39.920 --> 00:58:44.480 I had some things I had to do before because I live in Pitts, 732 00:58:45.119 --> 00:58:52.000 Pennsylvania now. So I was here the next day and a couple of 733 00:58:52.079 --> 00:58:55.599 the grandchildren decided to take the will. I didn't like how it read. 734 00:58:58.320 --> 00:59:01.039 Mostably, they took it to attorney. I don't know, but I've been 735 00:59:01.119 --> 00:59:04.480 reading and it has to be fined. Wait wait, wait, wait, 736 00:59:04.519 --> 00:59:10.079 wait wait, wait where let's go back. Your dad died and had a 737 00:59:10.199 --> 00:59:15.199 will, first of all, right, and you knew about it. Yes, 738 00:59:15.920 --> 00:59:20.159 do you have a copy of the will? Well, I've been trying 739 00:59:20.199 --> 00:59:22.320 to get a hold of the attorneys that did it, and I haven't got 740 00:59:22.360 --> 00:59:27.360 a call back. I've been what do you mean that did it originally? 741 00:59:27.519 --> 00:59:31.320 Did it? Or did it after the grandkids took it to him? No, 742 00:59:32.039 --> 00:59:37.880 he did this ten or fifteen years ago. He did it, Okay, 743 00:59:37.000 --> 00:59:43.760 the will that he did, you claimed after he died. The grandchildren 744 00:59:43.880 --> 00:59:47.159 took it and didn't like it. And that's what they told me. When 745 00:59:47.199 --> 00:59:51.239 I got here. They said, one of them goes, well, there's 746 00:59:51.280 --> 00:59:55.880 all these changes, so well wait wait wait wait wait wait what changes are 747 00:59:55.960 --> 01:00:01.639 they talking about? Did your dad make changes, you know, I don't 748 01:00:01.679 --> 01:00:07.159 know. My dad didn't do anything on his own. He went to the 749 01:00:07.239 --> 01:00:12.039 lawyer to have it done. Did your dad go to the lawyer? Listen, 750 01:00:12.360 --> 01:00:14.920 Jack, I'm sorry, but when it comes to legal stuff in this 751 01:00:15.079 --> 01:00:21.519 you're being vague. So your dad made a will fifteen years ago. Did 752 01:00:21.679 --> 01:00:30.400 your dad go recently and change things? He made a change in twenty seventeen 753 01:00:31.519 --> 01:00:37.400 to leave his brother mineral. All right, that's the only change that's been 754 01:00:37.480 --> 01:00:43.239 made. How do you know that? Oh? My cousin told me about 755 01:00:43.280 --> 01:00:46.239 it. I have never seen the will. Okay, then you don't have 756 01:00:46.360 --> 01:00:51.840 a clue. Basically, you have no idea what he did fifteen years ago 757 01:00:52.360 --> 01:00:55.280 and what he did in two thousand whatever seven? When did you say last 758 01:00:55.360 --> 01:01:00.239 year or seventeen whenever? Yeah? Oh, I know what he told me. 759 01:01:01.159 --> 01:01:05.880 Okay. My cousin was down here after he'd got out of the hospital 760 01:01:06.559 --> 01:01:12.320 and she read it and she was under misunderstood what my dad had told her. 761 01:01:12.440 --> 01:01:15.039 He left me the executor of the will. Okay, So where does 762 01:01:15.079 --> 01:01:21.880 this stand right now? What is your question? Oh? I just need 763 01:01:21.960 --> 01:01:27.360 a lawyer that is going to actually help me out here. Okay, Jack, 764 01:01:27.440 --> 01:01:34.880 where did he die. He died at home and buyers did did but 765 01:01:35.239 --> 01:01:39.320 no one has a copy of the will the way it was done in twenty 766 01:01:39.559 --> 01:01:44.280 seventeen. I mean, what attorney did you? What did the attorney say 767 01:01:44.320 --> 01:01:47.480 when you said you needed a copy? And by the way, without seeing 768 01:01:47.559 --> 01:01:52.400 the will, how do you know you're the personal representative? Because I don't 769 01:01:52.440 --> 01:01:57.840 think my cousin would lie it. Okay, now, Dad, did your 770 01:01:57.960 --> 01:02:01.679 cousin see the will? Yeah? She read it. Does she have a 771 01:02:01.760 --> 01:02:07.280 copy of it? Your will was in the drawer? I don't understand. 772 01:02:07.800 --> 01:02:14.639 Well, then have her send you a copy? Well, you know what 773 01:02:16.960 --> 01:02:20.079 I mean. If you want to refer me to an a lawyer, you 774 01:02:20.239 --> 01:02:22.840 can. I know, I will give you an attorney. I absolutely will. 775 01:02:24.000 --> 01:02:29.239 Listen, here's what I'm saying. Even an attorney, Jack cannot help 776 01:02:29.320 --> 01:02:35.400 you unless you answer the same exact questions your If your cousin read from that 777 01:02:35.639 --> 01:02:39.079 will, what would prevent her? I'm just curious, what would prevent her 778 01:02:39.440 --> 01:02:45.199 from making a copy of it for you? Well, she said, after 779 01:02:45.599 --> 01:02:49.440 all of this happened, she said that she should have took up with her. 780 01:02:50.880 --> 01:02:52.880 Okay, now where is it? Do you think? Is this? 781 01:02:53.840 --> 01:03:00.920 I don't know. The boys took it somewhere supposedly. Okay, and these 782 01:03:01.039 --> 01:03:07.719 boys are who are they your kids? No, my sister's sons. She 783 01:03:07.840 --> 01:03:13.960 passed away about a year ago. Not the okay, she passed away. 784 01:03:15.920 --> 01:03:24.239 Okay, wow, okay, I'll give you an attorney. Try Jack McKenzie. 785 01:03:24.480 --> 01:03:30.320 Excuse me, Dan McKenzie, Dan mackenzie, mackenzie law. He's a 786 01:03:30.400 --> 01:03:34.440 great guy. I'm not sure. I'm not sure what he can do. 787 01:03:34.559 --> 01:03:42.679 But here's his number, eight three three co plans. Thought that eight three 788 01:03:42.880 --> 01:03:50.280 three co plans p l A ands this an extra that it doesn't matter. 789 01:03:50.320 --> 01:03:52.159 It works, it works. No, it's not an extra, it's it's 790 01:03:52.239 --> 01:03:57.199 all the seven letters. It's exactly what you need. So co plans, 791 01:03:57.280 --> 01:04:01.079 it's eight three three co plans. He's in Denver, he handles Colorado estate 792 01:04:01.159 --> 01:04:04.519 law, and he can do all of this for you. Again. I 793 01:04:04.679 --> 01:04:09.559 hope he can sift through this three O three seven one three A two five 794 01:04:09.679 --> 01:04:16.239 five Go with a sure thing Denver's best roofer Excel roofing dot com. You 795 01:04:16.280 --> 01:04:23.960 don't pay a cent until you're content, wait time for an insurance check up 796 01:04:24.079 --> 01:04:28.440 free, no obligation. In comparison, call Compass insurance paying too much your 797 01:04:28.480 --> 01:04:31.519 coverage at dozens of insurance companies. Find out now three all three seven seven 798 01:04:31.559 --> 01:04:35.320 to one help. You'll think you're his only customer when you choose Frank durand 799 01:04:35.360 --> 01:04:40.760 the real estate man dot com to list your home with Remax Alliance three oh 800 01:04:40.800 --> 01:04:48.079 three nine two zero sixteen twenty two. Hi Tom Martino here three O three 801 01:04:48.239 --> 01:04:55.039 seven one three talks seven one three eight two five five. Dan McKenzie mackenzie 802 01:04:55.199 --> 01:04:59.639 Law. We also have another question coming up on wills. But what do 803 01:04:59.679 --> 01:05:03.199 you do with that one where the guy said that the grandkids took the will 804 01:05:03.239 --> 01:05:06.360 and won't give it to them. What do you do with that? So 805 01:05:06.480 --> 01:05:10.440 we've had this discussion a few times. I know you're unsatisfied with the answer. 806 01:05:10.559 --> 01:05:13.719 But whoever is in custody at will, it's supposed to lodge it with 807 01:05:13.840 --> 01:05:17.360 the county courts within ten days of the death. And if they're doing something 808 01:05:17.440 --> 01:05:21.679 that ultimately causes your caller to miss out on something like they're going to be 809 01:05:21.719 --> 01:05:25.519 liable for that for hiding their will from him if that was what caused. 810 01:05:25.599 --> 01:05:30.079 But what's to prevent them from changing it while they are hiding it? I 811 01:05:30.159 --> 01:05:33.199 mean, you know it has to be signed and all the formalities around will 812 01:05:33.280 --> 01:05:36.639 execution that we have in place, as far as notaries and witnesses and everything 813 01:05:36.679 --> 01:05:41.760 else. So I mean, since it was his dad, could he rush 814 01:05:41.880 --> 01:05:45.360 to court and get the probate opened first? Or yes, anybody who has 815 01:05:45.400 --> 01:05:48.039 an interest in the estake and petition the court to open the probate. And 816 01:05:48.119 --> 01:05:51.719 then so if he opens the probate, does that give him a leg up 817 01:05:51.760 --> 01:05:59.119 on getting the will? You can have the court issuing order saying produce the 818 01:05:59.239 --> 01:06:00.840 will and if you don't, so you're going to be in contempt. So 819 01:06:01.159 --> 01:06:03.679 that would be a good way to do it. So he's going to be 820 01:06:03.760 --> 01:06:06.719 calling you, but I do agree with that. Now let's go to John. 821 01:06:09.119 --> 01:06:12.320 John, you have another estate question. You're on with Dan McKenzie. 822 01:06:12.440 --> 01:06:15.880 McKenzie law, go ahead, John, thank you for taking my call. 823 01:06:18.039 --> 01:06:21.480 I had a friend who died last Thursday. He was in the hospital about 824 01:06:21.559 --> 01:06:27.599 thirty days and he died. He had five kinds of cancer and all kinds 825 01:06:27.639 --> 01:06:32.440 of problems. He told me before he died that he had named me executor 826 01:06:32.559 --> 01:06:39.599 of his will and that his will was in his RV which was in an 827 01:06:40.280 --> 01:06:47.599 RV park in Bennett, Colorado. So after he died. I called up 828 01:06:47.679 --> 01:06:51.280 there to see if I could get the will. If they called up, 829 01:06:51.360 --> 01:06:56.400 where where did you call? I don't get where you called? Bennett cut 830 01:06:56.400 --> 01:06:59.920 the RV park okay, And you said I need to get into it. 831 01:07:00.639 --> 01:07:10.239 Yes, And they said they asked me questions about why, and they said 832 01:07:11.360 --> 01:07:15.239 they cannot let me into. I don't blame the park. You shouldn't have 833 01:07:15.320 --> 01:07:20.159 mentioned it. You should have just gone there. But I would need a 834 01:07:20.239 --> 01:07:24.039 password to get into the RV park and I didn't have that, so I 835 01:07:24.519 --> 01:07:29.559 get anyway. So where does it stand right now? Okay? So they 836 01:07:29.639 --> 01:07:33.719 have told told me that in order to access he's got a folder called the 837 01:07:33.719 --> 01:07:40.119 Important Papers, and in order to access the RV, I have to have 838 01:07:40.360 --> 01:07:45.360 proof of executorship. Well, the executive proof of executorship is in the document 839 01:07:45.480 --> 01:07:50.280 that's inside the RV. So I'm in a circle where I can't possibly win. 840 01:07:50.519 --> 01:07:55.840 They want proof of executorship that it's it's locked in an RV that I 841 01:07:55.880 --> 01:07:59.679 can only get to if they will let me in. John, What are 842 01:07:59.679 --> 01:08:03.360 you doing? Case like that? Dan? It's probably the same advice I 843 01:08:03.440 --> 01:08:05.719 just gave you for the last case, which is you can go ahead and 844 01:08:05.800 --> 01:08:09.960 petition the court to open the probate process. I don't know, do you 845 01:08:10.000 --> 01:08:13.239 have any idea like what the estate might have in it, because I mean, 846 01:08:13.280 --> 01:08:15.840 the first question, is a probate going to be necessary? I think? 847 01:08:16.119 --> 01:08:20.079 Okay, he's got a camper that he paid eleven thousand dollars for that 848 01:08:20.359 --> 01:08:25.760 is practically worthless now because it's not been driven for six years and all the 849 01:08:25.880 --> 01:08:30.439 tires. And what about the mobile home? Does he own that? Yes, 850 01:08:30.520 --> 01:08:35.399 he owns that. He owns he owns the camper outright, And then 851 01:08:35.760 --> 01:08:39.720 he had when you say camper, is that what he's living in at the 852 01:08:39.800 --> 01:08:43.039 mobile home park? At camper? No? No, he lived in the 853 01:08:43.119 --> 01:08:49.840 basement with a friend of a friend who a lady who is poor. Okay, 854 01:08:50.359 --> 01:08:55.680 So he lived somewhere else other than the camper, and the camper is 855 01:08:55.720 --> 01:09:01.159 where he kept his documents, right, okay, And it sounds get into 856 01:09:01.239 --> 01:09:05.399 that camper that that camper is in a mobile home park and nobody will let 857 01:09:05.439 --> 01:09:10.680 you in there. Right. Is it a mobile home park or a storage 858 01:09:10.720 --> 01:09:15.399 facility? It's a storage facility and within the Okay, got it? Important? 859 01:09:15.439 --> 01:09:19.479 Doctor, got it. I don't know what you do in a case 860 01:09:19.600 --> 01:09:23.000 like that, Dan, If you could hang on or we call you back. 861 01:09:23.399 --> 01:09:26.159 Maybe we figure out what to do. I'm Tom Martine three oh three, 862 01:09:26.319 --> 01:09:29.520 seven to one three talks seven one three eight two five five. We 863 01:09:29.640 --> 01:09:32.640 got more coming up, and then the eclipse is gonna happen. Wow, 864 01:09:33.479 --> 01:09:39.119 let's talk about that. Will we see anything here at all? Stay tuned, 865 01:09:43.239 --> 01:09:46.279 Go with a sure thing Denver's best roofer Excel Roofing dot com. You 866 01:09:46.319 --> 01:09:54.000 don't pay a cent until you're content. Please time for an insurance check up 867 01:09:54.119 --> 01:09:58.439 free, no obligation. In comparison, call Compass Insurance paying too much your 868 01:09:58.520 --> 01:10:01.640 coverage at dozens of insurance companies find out now three all three seven seven to 869 01:10:01.640 --> 01:10:05.399 one help. You'll think you're his only customer when you choose Frank durand the 870 01:10:05.479 --> 01:10:11.000 real estate Man dot com to list your home with Remax Alliance three all three 871 01:10:11.079 --> 01:10:23.079 nine two zero sixteen twenty two yea ripped of news. You need advice so 872 01:10:23.279 --> 01:10:30.720 you don't have come run in just as fast as we can. Shooter's gonna 873 01:10:30.840 --> 01:10:39.000 help come Man six is the Troubleshooter Show Now, Tom Martino, Hi, 874 01:10:39.159 --> 01:10:43.239 Tom Martino, Your troubleshooter three oh three seven one three Talk seven one three 875 01:10:43.319 --> 01:10:47.359 eight two five five waterpros dot net whole house water systems around thirty four thirty 876 01:10:47.399 --> 01:10:51.840 five hundred bucks for softening, conditioning, purification, get ridding, for get 877 01:10:51.960 --> 01:10:58.039 getting rid of forever chemicals and chlorines, or drinking water systems at the kitchen 878 01:10:58.079 --> 01:11:01.640 sink for just fourteen hundred bucks the best systems at the lowest prices three oh 879 01:11:01.720 --> 01:11:06.640 three eight six' two five five five four waterpros dot net. Now listen, 880 01:11:08.479 --> 01:11:14.319 the eclipse is taking place, of course, and in Colorado you're going 881 01:11:14.399 --> 01:11:17.359 to be able to see sixty five percent of the sun covered. I believe 882 01:11:17.399 --> 01:11:21.720 it is sixty five percent. That's not bad. In fact, a friend 883 01:11:21.760 --> 01:11:28.199 of mine right now at the airport just took a picture. I sent it 884 01:11:28.279 --> 01:11:30.479 to you and sues, Yeah, he has a time, he has a 885 01:11:30.560 --> 01:11:34.359 special camera. Now what you see there is just a sliver, but that's 886 01:11:34.439 --> 01:11:39.039 going to move over that sliver to about sixty five percent, and he's going 887 01:11:39.119 --> 01:11:44.319 to send me a picture along the way that we'll be posting over Colorado sky. 888 01:11:45.119 --> 01:11:47.279 And that's how clear it comes out with eye protection. Is that the 889 01:11:47.359 --> 01:11:53.359 coolest thing? Huh? Wow? Anyway, Uh, get that on YouTube 890 01:11:53.359 --> 01:11:56.239 as soon as you can. Mark that's pretty cool. We have Mike Wink 891 01:11:56.319 --> 01:12:00.920 with us too from the Wink Law firm about bankruptcy. Some questions for him. 892 01:12:00.920 --> 01:12:03.039 But Doc has a follow up and here's what happened. I asked him 893 01:12:03.079 --> 01:12:12.840 to call on an earlier case. This guy hired Patrick Silva five Star Restoration 894 01:12:12.960 --> 01:12:17.520 and Construction to install a jetted tub in a bathroom, paid him half up 895 01:12:17.600 --> 01:12:25.079 front twenty four hundred bucks, and got absolutely nothing. Doc, what did 896 01:12:25.119 --> 01:12:28.000 you find? Hey? First? I just wanted some question. Did John 897 01:12:28.199 --> 01:12:32.000 ever ask the owner of the trailer park if he would accompany him into the 898 01:12:32.560 --> 01:12:39.600 property so that he could watch John just get the paper and then walk out. 899 01:12:40.800 --> 01:12:43.680 Try? Wait, Ma, Mar, Doc, did you hear what 900 01:12:43.760 --> 01:12:48.039 I just asked about the tub? Yeah? Okay? And then you went 901 01:12:48.079 --> 01:12:53.039 off on an I mean that's kind of confusing, like squirrel. I mean, 902 01:12:53.159 --> 01:12:56.079 let's talk about that one. First. Did you call that contract? 903 01:12:56.239 --> 01:12:59.079 I did? I got Pat on the phone. He answered right away. 904 01:12:59.399 --> 01:13:02.880 We had a we had a three way conversation. And what happened was that 905 01:13:03.359 --> 01:13:09.279 on some fam on one of the contracts, Jack had put down the wrong 906 01:13:09.399 --> 01:13:13.479 number. He put five six' nine instead of five to sixty six, 907 01:13:14.119 --> 01:13:17.880 and Pat had called them multiple times. Let's voice some messages at the wrong 908 01:13:18.000 --> 01:13:21.279 number. So as soon as we got Pat on the phone, he said, 909 01:13:21.319 --> 01:13:24.800 look, I'm really sorry I tried to get in touch with you. 910 01:13:25.520 --> 01:13:30.039 I will gladly send you a refund, no questions asked, and you will 911 01:13:30.079 --> 01:13:31.960 have it by the end of the week. Well, let's let's follow that 912 01:13:32.159 --> 01:13:34.399 up. Doc, put a tickler on the calendar. Now, what were 913 01:13:34.439 --> 01:13:38.000 you saying as far as this guy that needs to get a copy of the 914 01:13:38.039 --> 01:13:41.199 will, Well, he ever asked the owner of the place to go with 915 01:13:41.359 --> 01:13:45.600 him so they can watch him, just get that one document and then leave, 916 01:13:46.079 --> 01:13:49.079 so that I don't think that's the issue. I don't think anyone will 917 01:13:49.239 --> 01:13:54.439 enter that camper at this point. Well, I don't know. That could 918 01:13:54.520 --> 01:13:58.840 be, but I don't know if you have if the owner can you know, 919 01:13:58.880 --> 01:14:01.039 if the owner of the property can be with him as a witness that 920 01:14:01.199 --> 01:14:05.520 the only thing he did was get the form that proved that he's the executor. 921 01:14:05.880 --> 01:14:10.239 It might be worth a try. Well, let's find out John. 922 01:14:10.600 --> 01:14:14.319 First of all, Dan McKenzie's with us. I know he's not with us, 923 01:14:14.399 --> 01:14:16.520 but he was with us, and he basically said what we thought he 924 01:14:16.560 --> 01:14:23.600 would say, and that is, you open up a probate, and then 925 01:14:23.640 --> 01:14:30.760 you compel the park to let you, as personal representative, enter the camper. 926 01:14:33.479 --> 01:14:39.119 It's that easy, John. However, it's gonna cost you to open 927 01:14:39.199 --> 01:14:45.000 probate. Are you there, John, Yes, I'm here. Can you 928 01:14:45.079 --> 01:14:48.319 hear me? Yeah? How much is it gonna Yeah? How much is 929 01:14:48.359 --> 01:14:53.920 it going to cost? How much? Total? Do you think this when 930 01:14:53.960 --> 01:14:57.640 this guy says, hey, be my personal representative. I got some this, 931 01:14:57.840 --> 01:15:00.720 I got some that. What do you think his total state's worth? 932 01:15:01.920 --> 01:15:05.439 How you figured it out the other day? It's worth zero? Except he 933 01:15:05.520 --> 01:15:09.199 has a ten pous Well, then then don't do it. Then just let 934 01:15:09.279 --> 01:15:11.880 it go. Don't do it. He has a ten thousand dollars life insurance 935 01:15:11.920 --> 01:15:16.439 policy that I have to access. He's naming the lady who he lived with 936 01:15:17.520 --> 01:15:21.840 as the beneficiary of the policy. Then let her worry about her. Let 937 01:15:21.920 --> 01:15:27.159 her worry about it. I can't do that. He asked me to be 938 01:15:27.239 --> 01:15:32.199 the executive teach. Okay, okay, then spend three thousand, open up 939 01:15:32.199 --> 01:15:36.399 a probate, and then let her take the money. That's a really good 940 01:15:36.479 --> 01:15:41.600 friend, by the way, a really good friend. That's very nice of 941 01:15:41.680 --> 01:15:45.640 you, So thank you. So open up the probate, spend three thousand 942 01:15:45.720 --> 01:15:48.119 dollars. Well, you got to pay an attorney to open a probate. 943 01:15:48.239 --> 01:15:50.479 I'm guessing. I don't know if it's going to be three grand, but 944 01:15:50.600 --> 01:15:57.520 i'm guessing. So what you do is open up the probate, pay the 945 01:15:57.600 --> 01:16:02.560 money, and then get the will and all of that, have your friend, 946 01:16:04.960 --> 01:16:12.880 have your friend collect the life insurance, and you've done your part and 947 01:16:13.000 --> 01:16:19.359 you're out three grand. Okay, very nice of me. You can't afford 948 01:16:19.399 --> 01:16:24.039 to be out three grand myself. Can it come out of the estate you 949 01:16:24.199 --> 01:16:30.159 just said, there's no estate that's not part of the estate. Okay, 950 01:16:30.720 --> 01:16:34.439 not if she's a beneficiary. See, she doesn't need you to get that 951 01:16:34.560 --> 01:16:39.960 life insurance. She doesn't need the will to get the life insurance. If 952 01:16:40.000 --> 01:16:47.560 she's the beneficiary, she doesn't need anything. Okay, how does she go 953 01:16:47.680 --> 01:16:54.079 about getting to the life insurance? Then they'll contact her. Did he put 954 01:16:54.119 --> 01:16:58.439 down her name in number? I assume he filled her out as the beneficiary? 955 01:16:58.520 --> 01:17:01.439 Yes? Or no? Oh? Yeah, yeah he did. Okay, 956 01:17:02.039 --> 01:17:06.560 then they're going to contact her. Can we send them a death certificate 957 01:17:06.680 --> 01:17:12.600 or something? Well, she can do that, John, You don't have 958 01:17:12.680 --> 01:17:18.840 to do anything. There's nothing there. I'm just trying to honor his okay, 959 01:17:19.279 --> 01:17:24.479 but get that fine and honoring What if honoring it was taking over his 960 01:17:24.760 --> 01:17:29.279 estate and you owed a ton of money, would you honor that? No? 961 01:17:30.199 --> 01:17:35.399 Okay, you're not obligated to honor anything if it's not to your benefit. 962 01:17:35.560 --> 01:17:40.119 I mean, why would you. It's only going to cost you money 963 01:17:40.159 --> 01:17:44.920 at this point. If this woman is it, it gets a ten thousand 964 01:17:44.960 --> 01:17:48.920 dollars policy, How does that help you? How does that help the estate? 965 01:17:49.479 --> 01:17:53.520 How does that help anything? Do you know if you open up the 966 01:17:53.640 --> 01:17:57.119 estate, they're going to want you to get that camper out of there? 967 01:17:57.239 --> 01:18:00.439 Did you know that part? And they're going to start accruing by the way, 968 01:18:00.479 --> 01:18:03.479 they're going to start accruing bills against the estate. Do you want that 969 01:18:03.640 --> 01:18:10.439 to happen? No? Yeah, You see, people don't understand when they 970 01:18:10.560 --> 01:18:14.279 take on an estate, they take on the obligations of the estate, not 971 01:18:14.520 --> 01:18:18.720 personally, but they have to dispose of all that stuff. It's best to 972 01:18:18.920 --> 01:18:25.399 walk away from an estate that doesn't have anything. Three oh three seven three 973 01:18:25.600 --> 01:18:30.720 eight two? What's that, sir? The estate is separate from the insurance, 974 01:18:30.760 --> 01:18:32.199 so she can get the insurance and just walk away. From the state. 975 01:18:32.880 --> 01:18:41.039 That's right. That's unless unless hold on, Let's say he did not 976 01:18:42.000 --> 01:18:48.199 name a beneficiary, then the will could name a beneficiary because he overlooked it. 977 01:18:48.960 --> 01:18:55.199 But that would be kind of stupid because then it could subject because then 978 01:18:55.239 --> 01:19:01.600 it could subject the the life insurance process needs to the estate, and then 979 01:19:01.680 --> 01:19:09.439 the estate is subject to bills, whereas if it goes directly to a beneficiary, 980 01:19:09.640 --> 01:19:14.880 it's outside of the estate. You see, there are so many oncees. 981 01:19:16.279 --> 01:19:23.000 What how do I walk away from the estate just just don't have anything 982 01:19:23.039 --> 01:19:27.239 to do with it? Exactly. There's no obligation. This was very helpful. 983 01:19:27.439 --> 01:19:30.960 There's never an obligation. You see, what if the estate was messy 984 01:19:31.079 --> 01:19:34.880 and dirty and disgusting. Hey, by the way, speaking of estates, 985 01:19:36.760 --> 01:19:42.600 Mike Wink is with us from the Wink Law firm. Mike, do estates 986 01:19:42.760 --> 01:19:45.119 ever This might be a silly question. I don't know. Do estates ever 987 01:19:45.199 --> 01:19:49.560 go bankrupt? Estates? Yeah? I mean I think they do. Yeah, 988 01:19:49.720 --> 01:19:56.199 that's not the kind of work we would do. But you know, 989 01:19:56.359 --> 01:20:00.279 and I think in instances where there were assets that were being fought over and 990 01:20:00.399 --> 01:20:05.239 an administrator an executor type, it was over their head and dealing with it 991 01:20:06.479 --> 01:20:11.359 by bankrupting it. You could put it into the trustee of a bankruptcy to 992 01:20:11.520 --> 01:20:19.760 administer the estate. Okay, thank you. And another question for Wink that 993 01:20:19.960 --> 01:20:27.079 was texted to us. If somebody has credit card balances, they don't have 994 01:20:27.119 --> 01:20:31.600 any money, they want to do a bankruptcy. Now I don't know of 995 01:20:31.680 --> 01:20:34.800 them. You know, I'm not talking about fraud or anything, but what 996 01:20:34.920 --> 01:20:38.520 if they wanted to put your fee on a credit card and you know they're 997 01:20:38.520 --> 01:20:43.039 going bankrupt? Is that considered wrong? Yeah, that would be fraud. 998 01:20:43.479 --> 01:20:47.479 So we don't We don't process any credit cards okay for payment? Yeah, 999 01:20:47.720 --> 01:20:51.239 okay, oh no, no, that's good to know. Yeah. Yeah. 1000 01:20:51.439 --> 01:20:56.640 In fact, I get I got solicited into a merchant processing account and 1001 01:20:56.720 --> 01:20:58.840 I started using it and then they were like, oh, you're in debt 1002 01:20:58.840 --> 01:21:01.560 relief and now was just on ATMs right, Like I still wasn't taking credit 1003 01:21:01.640 --> 01:21:05.319 cards, but they basically, if you're in debt relief, it's very hard 1004 01:21:05.359 --> 01:21:10.159 to even get a credit card processor. Okay, I get what you mean, 1005 01:21:10.199 --> 01:21:13.720 because they don't want people putting your fees on there and then going bankrupt. 1006 01:21:14.479 --> 01:21:16.279 Wasn't there a guy in town one time doing that and he got in 1007 01:21:16.399 --> 01:21:20.520 big, big trouble. He was an attorney, he was he was financing 1008 01:21:21.479 --> 01:21:26.159 his fees, right. I think it was less to do with the credit 1009 01:21:26.239 --> 01:21:29.960 cards part of the problem. No, No, his was he he went 1010 01:21:30.039 --> 01:21:34.479 after him after bank reaffirming the debt. Right, So it's it's it's tough, 1011 01:21:34.600 --> 01:21:39.119 right. The law just saysn't facilitated. But if somebody's broke, let's 1012 01:21:39.119 --> 01:21:42.640 say they're being garnished, so now they really can't afford to pay you. 1013 01:21:43.520 --> 01:21:46.039 And what he was trying to do would be to say, okay, I'll 1014 01:21:46.039 --> 01:21:49.760 do your bankruptcy and then you're gonna owe me. But then on the other 1015 01:21:49.880 --> 01:21:54.079 side, you're getting them to reaffirm the loan, and there's there's a lot 1016 01:21:54.119 --> 01:21:58.399 of conflicts of interest, and so I mean it kind of sucks, right 1017 01:21:58.439 --> 01:22:01.399 because it's not a terrible thing that you know, that could be. It 1018 01:22:01.439 --> 01:22:05.159 could be valuable to people, especially if you're already being garnished and you can't 1019 01:22:05.199 --> 01:22:10.760 afford the fee up front. That yeah, is that a guy? Is 1020 01:22:10.840 --> 01:22:14.439 that an attorney still around? I think he got disbarred. I did. 1021 01:22:14.479 --> 01:22:16.680 I think he did. I'm trying to think, Okay, you don't want 1022 01:22:16.720 --> 01:22:19.840 to probably tell me who it is, but I was just curious. And 1023 01:22:20.720 --> 01:22:25.479 yeah, there were all kinds of stuff going on. There was one bankruptcy 1024 01:22:25.520 --> 01:22:29.560 attorney and I can tell you about it because he's dead and he I think 1025 01:22:29.600 --> 01:22:36.920 he killed himself. But he was sometimes trading sex for fees. I know. 1026 01:22:38.279 --> 01:22:44.039 Yikes, yikes. It takes all kinds brow Yeah, yeah, I 1027 01:22:44.119 --> 01:22:49.000 mean, no seriously serious six stuff. Yeah, and in any case three 1028 01:22:49.119 --> 01:22:55.199 oh three seven one three talk on that nice note. We're going to take 1029 01:22:55.239 --> 01:23:05.039 a break. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1030 01:23:05.239 --> 01:23:12.800 You don't pay a cent until you're content. Time for an insurance check 1031 01:23:12.880 --> 01:23:16.119 up free, no obligation. In comparison, call Compass Insurance paying too much 1032 01:23:16.279 --> 01:23:20.279 your coverage at dozens of insurance companies find out now three oh three seven to 1033 01:23:20.359 --> 01:23:25.000 seven to one help. You'll think you're his only customer when you choose Frank 1034 01:23:25.079 --> 01:23:29.600 durand the real estate Man dot com to list your home with Remax Alliance three 1035 01:23:29.680 --> 01:23:43.720 oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter 1036 01:23:43.880 --> 01:23:47.960 three o three seven to one three talk seven one three eight two five five. 1037 01:23:48.159 --> 01:23:55.920 So when we look up in the sky at the peak. It depends 1038 01:23:55.960 --> 01:24:00.239 on where you are in Colorado. Anywhere from sixty five to seventy seven percent 1039 01:24:01.720 --> 01:24:06.039 of the sun will be covered by the moon of the shadow. And I 1040 01:24:06.119 --> 01:24:11.159 have a friend who has a special camera taking pictures and I'll show you the 1041 01:24:11.239 --> 01:24:15.800 ones, but I don't know exactly what percentage will get there at Centennial Airport, 1042 01:24:15.920 --> 01:24:19.199 But in any case, that's what he'll be doing. And then we 1043 01:24:19.319 --> 01:24:24.640 have other people taking pictures as well, and we'll post some of them. 1044 01:24:24.680 --> 01:24:27.119 They're kind of you. You'll see them all over the place anyway, probably 1045 01:24:27.239 --> 01:24:30.640 three oh three seven, one, three eight, two five five. So 1046 01:24:31.880 --> 01:24:40.119 what is this possible hot tub scam? Bob? What's going on? Bob? 1047 01:24:42.039 --> 01:24:47.720 What's going on? Bob? Darth Vader? What's going on? Bob? 1048 01:24:49.079 --> 01:24:54.600 We can hear you breathing, I as We'll go to Janet, Janet, 1049 01:24:54.960 --> 01:25:00.359 go ahead, Janet, what's happening? Hi? I contracted con protected 1050 01:25:00.439 --> 01:25:05.239 a contractor last June from the hailstorm that we had and to do the roofing 1051 01:25:05.359 --> 01:25:13.159 repairs. And now, how'd you find the contractor, Janet? I believe 1052 01:25:13.359 --> 01:25:17.279 I came, h became one of his workers, came to the door when 1053 01:25:17.600 --> 01:25:24.439 everybody was walking around the neighborhoods, you know, trying to which is exactly 1054 01:25:24.680 --> 01:25:27.560 which is exactly the opposite of what you should do. So okay, that's 1055 01:25:27.640 --> 01:25:32.520 cool. Was this a roof repair, Yeah, And there was some little 1056 01:25:32.640 --> 01:25:41.439 chips in the vinyl here in the window that were to be repaired, so 1057 01:25:42.359 --> 01:25:47.079 you had various storm damage. Was this a roof for you hired a roof 1058 01:25:47.439 --> 01:25:57.800 Yeah? Actually his businesses actually roofing and construction, residential, commercial, roofing. 1059 01:25:59.239 --> 01:26:00.760 What's the name of the company. What's the name of the company, 1060 01:26:01.399 --> 01:26:12.039 ISSP Integrating Successful Projects, Roofing in Construction, Integrating successful Projects. That's the 1061 01:26:12.159 --> 01:26:17.880 name of it. Yeah, okay, and it's roofing in construction. So 1062 01:26:18.039 --> 01:26:24.359 what went wrong? Well, still still my house still isn't done. For 1063 01:26:24.479 --> 01:26:27.199 one, I'm the only one. Well when did when did you sign a 1064 01:26:27.279 --> 01:26:35.399 contract? September sixth Oh my god? And the and the initial estimate for 1065 01:26:35.840 --> 01:26:43.760 that that contract in repairs was eighteen thousand dollars, which I figured, okay 1066 01:26:43.920 --> 01:26:49.199 with with the damage that's probably okay, And now it has gone to forty 1067 01:26:49.479 --> 01:26:58.640 three thousand dollars. Okay, okay, my house is getting more damage done 1068 01:26:58.760 --> 01:27:03.760 to it than three pairs. They are doing stuff to my house that should 1069 01:27:03.800 --> 01:27:09.159 not be done. There is Wait a minute, when did they start the 1070 01:27:09.319 --> 01:27:15.920 job? Somewhere around September sixth or maybe the week after. Oh so they 1071 01:27:16.039 --> 01:27:21.119 did start last year and they're still on the job. Yeah. Well, 1072 01:27:21.359 --> 01:27:27.159 they come around every once in a while. It's not very it's not every 1073 01:27:27.279 --> 01:27:32.279 day or not. Wait a minute. They've been working on your home September, 1074 01:27:32.319 --> 01:27:35.840 October, November, December, January, February, March. They've been 1075 01:27:35.920 --> 01:27:44.560 working on your home seven months. Yes, sir, well there's something terribly 1076 01:27:44.720 --> 01:27:48.239 wrong. Yeah, I know, but in the meantime, I've also been 1077 01:27:48.319 --> 01:27:54.600 dealing with my husband here at home dying from cancer, so he's kind of 1078 01:27:54.760 --> 01:28:00.000 taken president over me dealing with the crew. What can we do to help? 1079 01:28:00.000 --> 01:28:02.199 I hope you right now, Janet? What can we do? I 1080 01:28:02.279 --> 01:28:08.880 need somebody to come to my house and find out all these extra things that 1081 01:28:08.960 --> 01:28:12.720 are being done and in the introim of everything else. Well, hold on, 1082 01:28:13.239 --> 01:28:16.560 they can't do extra things without your permission. Did you sign a contract 1083 01:28:16.640 --> 01:28:20.640 with them letting them do this? No? What do you mean? No? 1084 01:28:21.159 --> 01:28:27.359 For I signed the original contract for it. But did the original contract 1085 01:28:27.520 --> 01:28:31.479 have wording on it that says that if they find other stuff, they will 1086 01:28:31.520 --> 01:28:38.079 put in auxiliary claims. Right, but Netting was signed for that. Well, 1087 01:28:38.159 --> 01:28:41.880 no, I'm sure it was. I'm sure it was not. I 1088 01:28:41.960 --> 01:28:46.239 am not authorizing, Janet. They let me explain something, Janet. Please 1089 01:28:46.319 --> 01:28:54.000 listen on the original contract, if they leave it open for auxiliary claims, 1090 01:28:54.920 --> 01:29:01.119 you do not have to sign for each and every August sailery claim. Okay, 1091 01:29:02.319 --> 01:29:09.479 they put in eighteen thousand plus supplements. That's what that extra money is. 1092 01:29:09.640 --> 01:29:13.319 Do you understand what I'm saying now that you don't have to sign for 1093 01:29:13.520 --> 01:29:17.840 each and every supplement. But they're just doing stuffs in my house that I 1094 01:29:17.920 --> 01:29:23.439 didn't want done. Well, tell me give me an one of the biggest 1095 01:29:23.520 --> 01:29:29.680 items they did that you didn't want done. They put like I had my 1096 01:29:29.800 --> 01:29:33.239 windows done a couple of years ago with a company that did a great job, 1097 01:29:33.600 --> 01:29:39.720 and now instead of fixing the holes that were put in the bottom part 1098 01:29:39.840 --> 01:29:45.880 of the vinyl stripping on the bottom of the windows, now there's like plywood 1099 01:29:45.359 --> 01:29:50.720 borders around my windows. That what do you mean ply So that's how they're 1100 01:29:50.760 --> 01:29:58.159 fixing your windows by putting plywood around them. Yeah, little borders, decorative 1101 01:29:58.239 --> 01:30:03.920 borders that are not put up properly, and they're not shields, they're the 1102 01:30:04.479 --> 01:30:12.000 When you listen, Jennet, you picked this You picked this company because they 1103 01:30:12.119 --> 01:30:18.680 knocked on your door. Did you check them out before? Yeah? They 1104 01:30:18.800 --> 01:30:26.760 only had the Better Business Bureau. The Better Business Bureau doesn't mean anything, 1105 01:30:27.199 --> 01:30:30.319 the Better Business How many times can I say this? I should start out 1106 01:30:30.479 --> 01:30:36.439 every show by saying, the Better Business Bureau is a dinosaur. The Better 1107 01:30:36.600 --> 01:30:43.000 Business Bureau only knows what people tells it what people tell it, and the 1108 01:30:43.199 --> 01:30:47.840 Better Business Bureau does not know anything. I mean, I don't even know 1109 01:30:47.920 --> 01:30:53.840 what they do anymore. They're a dying organization. They are a dinosaur, 1110 01:30:54.760 --> 01:30:58.439 you know, So you actually hold on? How did you wait a minute? 1111 01:30:58.640 --> 01:31:01.640 How did you find out? May I? Janet? I need to 1112 01:31:01.720 --> 01:31:06.760 ask some questions? How did you find out what their rating was? Janet? 1113 01:31:08.079 --> 01:31:10.760 Hold? Put her on hold? Put her on hold? Janet, 1114 01:31:10.800 --> 01:31:14.840 if you want help, I'll help you, okay, but it's not going 1115 01:31:14.920 --> 01:31:17.640 to happen unless you let me help you. Okay. I need to know 1116 01:31:18.760 --> 01:31:27.039 how did you find out about their Better Business Bureau ratings? You mentioned they 1117 01:31:27.119 --> 01:31:30.199 had good ratings at the Better Business brow so I need to know what that 1118 01:31:30.439 --> 01:31:33.119 means. Can you help me out here? I want to know what do 1119 01:31:33.199 --> 01:31:39.399 you mean by that? I looked him up on the Better Business Web? 1120 01:31:39.720 --> 01:31:45.079 Right Okay? I understand the Better Business Bureau website hurts more people than helps 1121 01:31:45.479 --> 01:31:50.439 because they have people on there that went to prison for fraud listed with an 1122 01:31:50.640 --> 01:31:55.319 A plus rating? Right Mark, Am I lying? That's what they do. 1123 01:31:55.560 --> 01:31:58.479 If you're lying, you're dying. Now here's what I want to say, 1124 01:31:58.600 --> 01:32:02.199 Janet. I'm not trying to make you feel bad for picking this company. 1125 01:32:02.600 --> 01:32:05.640 I'm trying to help others who are listening right now. As I have 1126 01:32:05.720 --> 01:32:10.680 a two prong approach, I help people who are listening, and then I 1127 01:32:10.800 --> 01:32:18.199 help people who are calling. So those listening never ever ever depend on the 1128 01:32:18.319 --> 01:32:25.920 Better Business Bureau. Ever, it is a dying organization. People businesses shouldn't 1129 01:32:25.960 --> 01:32:30.000 waste their money being part of it. They are nothing. That's my opinion 1130 01:32:30.399 --> 01:32:32.600 based on how many years we've been doing this where they don't do anything to 1131 01:32:32.680 --> 01:32:35.239 help. Oh, by the way, let me just ask that, since 1132 01:32:35.319 --> 01:32:40.159 they rated them so great, did you call back the Better Business Bureau to 1133 01:32:40.279 --> 01:32:44.199 ask for help? Yes? I did. I called them, and I 1134 01:32:44.479 --> 01:32:49.920 have to do like an email and tell them what happened, and then what 1135 01:32:50.000 --> 01:32:53.479 are they going to do? Give me a case number? And then oh 1136 01:32:53.600 --> 01:32:55.720 really, and then what are they going to do? Here's what they're gonna 1137 01:32:55.720 --> 01:33:02.159 do. You know what that is. That's a tap dance. That's what 1138 01:33:02.239 --> 01:33:05.920 the Better Business bro is good at, doing a tap dance. So rather 1139 01:33:06.079 --> 01:33:12.279 than this, we're gonna help you, we're gonna try. We're gonna call 1140 01:33:12.399 --> 01:33:15.000 this company and we're gonna have somebody go out and actually look at your home. 1141 01:33:15.640 --> 01:33:18.239 Excuse me, hello, better business bro? Will you do that? 1142 01:33:20.119 --> 01:33:25.560 I doubt it? Yeah, okay, so here's the deal. We're going 1143 01:33:25.640 --> 01:33:30.199 to have somebody go out and look. I would like Mark Genesis since they 1144 01:33:30.279 --> 01:33:31.720 do everything, to go out and look at it. If Mark would be 1145 01:33:31.800 --> 01:33:38.359 a what part of town are you in, Janet Centennial? Okay, that's 1146 01:33:38.439 --> 01:33:43.039 good, that's a central location. Now, I guess I don't get this 1147 01:33:43.119 --> 01:33:45.159 supplemental issue with her. I mean, I don't know what kind of work 1148 01:33:45.199 --> 01:33:47.760 they're doing. But if they're doing a roof, for instance, and they 1149 01:33:48.399 --> 01:33:51.760 dig down and they need extra money because they couldn't see what's under it, 1150 01:33:53.039 --> 01:33:56.840 what's the big deal a mark hold on? She's saying, though, this 1151 01:33:57.039 --> 01:34:00.079 is what she's saying, and I don't know if what she's saying is right 1152 01:34:00.199 --> 01:34:04.119 or not. That's why I want somebody to look her problem with the supplements. 1153 01:34:04.199 --> 01:34:09.319 I already explained to her. She already approved the supplements when she approved 1154 01:34:09.359 --> 01:34:15.039 the first contract. But the problem is she says they're doing work that is 1155 01:34:15.159 --> 01:34:20.479 shoddy and doesn't need to be done. Now, the only way we're going 1156 01:34:20.560 --> 01:34:26.239 to know that is having somebody look at it. So that's what I want 1157 01:34:26.319 --> 01:34:34.079 to do. And again, instead of giving her the old tap dance like 1158 01:34:34.199 --> 01:34:39.079 the Better Business Bureau, We're going to actually send someone out there. By 1159 01:34:39.119 --> 01:34:42.319 the way, I want to ask anyone in the universe. Yeah, we'll 1160 01:34:42.319 --> 01:34:45.840 go out to the universe. Who has ever had the Better Business Bureau send 1161 01:34:45.880 --> 01:34:50.159 a contractor to their home to check the work of one of their members. 1162 01:34:50.239 --> 01:34:56.520 Who's ever done that? Has anybody they're on their side? Well, I 1163 01:34:56.600 --> 01:34:59.800 don't know if they're on their side or not, but here's what you get. 1164 01:35:03.079 --> 01:35:09.000 They're looney, that's what you get. So here's what I'm gonna do 1165 01:35:09.159 --> 01:35:13.600 for you. Seriously, let's get serious now on a couple things. First 1166 01:35:13.640 --> 01:35:17.680 and foremost, I'm gonna have Genesis. We're gonna have Mark Schamansky go out 1167 01:35:17.720 --> 01:35:20.479 there if he'll do that for us. If not, we'll try to get 1168 01:35:20.520 --> 01:35:26.439 somewhere. She located in Centennial. Oh okay, good, so, Kachina. 1169 01:35:26.560 --> 01:35:30.119 Let's ask Mark to take a look at this. Now. The next 1170 01:35:30.159 --> 01:35:34.239 thing I want to ask you about, how's your husband doing? My husband 1171 01:35:34.359 --> 01:35:39.920 died March thirty first. Oh my god, I didn't know he already died. 1172 01:35:40.439 --> 01:35:50.159 I'm so sorry. Ah, well, Janet, are you feeling overwhelmed 1173 01:35:50.159 --> 01:35:54.079 by this stupid thing? I don't want this to have I don't want this. 1174 01:35:55.880 --> 01:35:59.159 You have any if actually called me last week, she said that they 1175 01:35:59.199 --> 01:36:01.399 would be here to to do work, and I said, okay, and 1176 01:36:01.880 --> 01:36:04.920 no call, no show. Janet, do you have a lot of Do 1177 01:36:04.960 --> 01:36:11.159 you have a lot of open construction around your house? What do you mean 1178 01:36:11.199 --> 01:36:14.479 here? Hold on, hold on, Let's get Mark Samanski out there, 1179 01:36:14.560 --> 01:36:15.880 see what we can do. Let's take this one step at a time. 1180 01:36:16.239 --> 01:36:19.560 Three oh three seven one three eight two five five, don't forget eight eight 1181 01:36:19.600 --> 01:36:26.239 eight heating dot Com twenty eight dollars. Fix an estimate meaning or tune an 1182 01:36:26.359 --> 01:36:29.279 estimate. They'll come out for your toilet twenty eight bucks. They'll come out 1183 01:36:29.319 --> 01:36:31.239 for any plumbing issue twenty eight bucks. They'll come out for your electrical panel 1184 01:36:31.279 --> 01:36:34.079 twenty eight bucks. Whatever you have to come out, they'll do a basic 1185 01:36:34.159 --> 01:36:39.439 service water heater twenty eight bucks. And if you need anything else that twenty 1186 01:36:39.479 --> 01:36:44.520 eight dollars is credited. That's eight eight eight heating dot com a great company 1187 01:36:44.560 --> 01:36:53.680 three oh three seven seven zero two seven seven six. Go with a sure 1188 01:36:53.760 --> 01:36:58.279 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 1189 01:36:58.319 --> 01:37:03.840 you're content. Wait time for an insurance checkup free, no obligation. In 1190 01:37:03.920 --> 01:37:10.199 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 1191 01:37:10.279 --> 01:37:13.720 find out now three all three seven seven to one help. You'll think you're 1192 01:37:13.760 --> 01:37:16.640 his only customer when you choose Frank durand the real estate Man dot com to 1193 01:37:16.760 --> 01:37:21.439 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 1194 01:37:26.359 --> 01:37:30.159 Hi Tom Martino, your troubleshooter Dallas is in the dark. I think 1195 01:37:30.199 --> 01:37:33.159 it's only less. It might be out by now, But how cool is 1196 01:37:33.239 --> 01:37:39.319 that? You know? I experienced that with Ross Kaminski and Shannon went with 1197 01:37:39.520 --> 01:37:43.600 us. We went out. I went out in my helicopter in twenty seventeen, 1198 01:37:43.680 --> 01:37:45.760 we landed in a field. We did our shows. Honest to goodness. 1199 01:37:46.079 --> 01:37:49.880 I wanted to go this year, but yesterday it was pretty apparent with 1200 01:37:49.960 --> 01:37:53.840 the winds in the weather, I wasn't going to do it. Sucks, 1201 01:37:54.600 --> 01:38:02.119 just sucks anyway. Mark Simansky's on right now with Genesis Totalexteriors dot Com. 1202 01:38:02.399 --> 01:38:08.159 I want to talk to him about something. Hey, Mark, this is 1203 01:38:09.199 --> 01:38:15.439 this is a prime example of people getting taken advantage of. Janet hired a 1204 01:38:15.560 --> 01:38:20.119 contractor and she signs a contract upfront, which is what you want. But 1205 01:38:20.239 --> 01:38:27.439 the contractor has that wording in there about supplements that she approves the contract and 1206 01:38:27.680 --> 01:38:31.399 any supplements, so she doesn't have to sign each and every supplement. When 1207 01:38:31.439 --> 01:38:36.159 they find more work, then they do it. Now, there's nothing wrong 1208 01:38:36.239 --> 01:38:40.439 with that if truly there's more work to be done, because that's what you 1209 01:38:40.600 --> 01:38:45.199 do, right. Yeah, the contractor shouldn't take it upon himself to say, 1210 01:38:45.600 --> 01:38:48.159 Okay, I found this extra work, We're going to do it without 1211 01:38:48.239 --> 01:38:53.119 talking to the homeowner. It's still the homeowner's home and they should make the 1212 01:38:53.199 --> 01:38:57.159 decision if they want this. Okay, not good point, Good point, 1213 01:38:57.279 --> 01:39:01.960 Mark. Now the original estimate was eighteen grand. It's now over forty. 1214 01:39:02.720 --> 01:39:08.560 She's a little concerned, and I told her she's in Centennial. You could 1215 01:39:08.560 --> 01:39:12.960 swing by there. They're supposedly doing the roof. They found some window problems. 1216 01:39:13.760 --> 01:39:19.840 She's very, very concerned, and she was recently widowed so in March. 1217 01:39:19.920 --> 01:39:24.000 I mean, it's not a she's all by herself. She needs our 1218 01:39:24.079 --> 01:39:28.239 help. And what I'd like you to do is just give us a general 1219 01:39:28.359 --> 01:39:31.199 idea of what that job looks like, because hey, if it turns out 1220 01:39:31.239 --> 01:39:34.640 it's good work, I know you'll tell me. You know, of course. 1221 01:39:35.399 --> 01:39:40.079 Yeah, Hey, Janet, Mark is the one that will be coming 1222 01:39:40.119 --> 01:39:43.159 out there. Do you hear me, Janet? Yes, yes, sir, 1223 01:39:43.239 --> 01:39:45.640 I'm here. And you said one of the problems you didn't one of 1224 01:39:45.680 --> 01:39:55.680 the things you did not like was that window repair. Right, you said 1225 01:39:55.680 --> 01:39:59.359 there were cracks in the window or holes. No, it's not in the 1226 01:39:59.439 --> 01:40:02.439 glass, it's the it's in the bottom strip. No, that's I know 1227 01:40:02.520 --> 01:40:05.600 what you're saying. Yeah, but they put some trim over it, you 1228 01:40:05.720 --> 01:40:10.319 said, right, right, some trim around it. The windows? Are 1229 01:40:10.359 --> 01:40:15.640 they vinyl windows? Yes? That doesn't sound right to me, but Marco, 1230 01:40:15.720 --> 01:40:19.600 look at it. Genesis tootalexteriors dot Com. Hey, Mark, going 1231 01:40:19.640 --> 01:40:21.840 back to what you said real quick though. I mean, if you're doing 1232 01:40:21.920 --> 01:40:26.960 a roof and you run into an issue with the roof, you would do 1233 01:40:27.079 --> 01:40:30.560 the supplemental without anything else. Right. Well, yeah, well what happened? 1234 01:40:30.560 --> 01:40:33.279 You know? Here, here'd be a great example, Mark, is 1235 01:40:33.640 --> 01:40:36.960 you you pull the roof off and you notice that some of the decking underneath 1236 01:40:38.000 --> 01:40:41.640 it, you know, substandard, is deteriorated. Yeah, you go to 1237 01:40:41.760 --> 01:40:45.039 home depot and you go get a sheathing, a piece of plywood, and 1238 01:40:45.159 --> 01:40:47.800 you put that on. You fix that repair because you know you got to 1239 01:40:47.800 --> 01:40:53.560 get that roof dried and so things like that. Yes, but I'll say 1240 01:40:53.560 --> 01:40:55.800 if you're like, now, let's say, well we're doing your roof, 1241 01:40:55.840 --> 01:40:59.159 but oh we notice your windows are bad and we're going to do something, 1242 01:40:59.359 --> 01:41:01.319 you should have a kindnversation. Man. I agree. All right, So 1243 01:41:01.399 --> 01:41:03.920 we're gonna hook you. We're gonna we're gonna hook you up. Kaschina is 1244 01:41:03.920 --> 01:41:08.279 gonna tell you that address and stuff. Genesis tootal Exteriors dot Com three O 1245 01:41:08.319 --> 01:41:10.960 three six seven nine eight five zero nine. Thank you very much, Mark, 1246 01:41:11.359 --> 01:41:13.560 I have to take this break. We've got more coming right up, 1247 01:41:23.600 --> 01:41:27.840 Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 1248 01:41:27.880 --> 01:41:33.680 pay a cent until you're content. Time for an insurance check up free, 1249 01:41:33.800 --> 01:41:39.439 no obligation. In comparison, call Compass Insurance Paying too much your coverage at 1250 01:41:39.479 --> 01:41:43.159 dozens of insurance companies find out now three oh three seven seven to one. 1251 01:41:43.279 --> 01:41:45.960 Help. You'll think you're his only customer when you choose Frank durand the real 1252 01:41:46.039 --> 01:41:50.560 estate Man dot com to list your home with Remax Alliance three oh three nine 1253 01:41:50.640 --> 01:42:01.680 two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three 1254 01:42:01.920 --> 01:42:08.000 seven one three talks seven one three eight two five five. All right, 1255 01:42:08.680 --> 01:42:14.840 sonya, what's going on? Hi? I've lived in Denver since two thousand 1256 01:42:14.840 --> 01:42:16.560 and well, I bought a house in two thousand and nine in the city 1257 01:42:16.600 --> 01:42:24.359 of County of Denver, Okay. I have a neighbor who is extremely evil. 1258 01:42:25.319 --> 01:42:29.560 So we have a fence, right mutual fence in the back. Well, 1259 01:42:29.720 --> 01:42:34.239 according to her, she bought it. She paid for the fence back 1260 01:42:34.279 --> 01:42:41.319 before I moved in. Anyways, fastward to now the fence is coming down, 1261 01:42:41.439 --> 01:42:45.600 blowing down and whatnot. So I've put pickets up, we've fixed it, 1262 01:42:45.800 --> 01:42:50.479 we've done it. Well, she'll take them down and go throw them 1263 01:42:50.560 --> 01:42:53.800 on my front port. Noll. Wait a minute, Wait a minute. 1264 01:42:53.800 --> 01:42:57.079 When you put the pickets up on this fence, what do you mean she 1265 01:42:57.239 --> 01:43:00.800 takes them off? Are they nailed on top of the fence, So there'll 1266 01:43:00.840 --> 01:43:03.960 be some of them that fall off, So like there's a hole, So 1267 01:43:04.079 --> 01:43:08.039 there's like three or four missing, right, And you put new ones up 1268 01:43:09.119 --> 01:43:12.760 correct where it's flush with her, you know, her side, so it 1269 01:43:12.840 --> 01:43:16.199 looks like right, you know, they're just new, just a different color, 1270 01:43:16.560 --> 01:43:20.319 and she literally tears them off, yeah, and puts them on my 1271 01:43:20.399 --> 01:43:23.600 front porch. Yeah. But why, I mean, there's got to be 1272 01:43:23.640 --> 01:43:26.840 a reason. No one in their you know, right mind? Does that 1273 01:43:27.880 --> 01:43:30.039 plush? Why does she not like you fixing them? I mean, I 1274 01:43:30.159 --> 01:43:33.840 want to ask a few questions. First. Is this fence really old and 1275 01:43:34.000 --> 01:43:42.920 ugly? Ah? No, she's a young I so in two thousand and 1276 01:43:43.000 --> 01:43:45.960 nine when I moved in, I've never seen her ever, No, not 1277 01:43:45.159 --> 01:43:50.279 her the fence. Oh yes, it's old. Sorry, hold on, 1278 01:43:50.560 --> 01:43:54.600 sorry, sonya okay, that's funny. That's really funny. You thought I 1279 01:43:54.720 --> 01:43:58.119 was asking if she's old and ugly. Hold on, Sonya, I do 1280 01:43:58.279 --> 01:44:01.880 want to talk about this because I have some ideas. Usually fences are not 1281 01:44:02.079 --> 01:44:04.760 right on the fence line, which means you could put up your own. 1282 01:44:05.159 --> 01:44:10.279 We need to explore that there's usually a setback unless it's a very old property. 1283 01:44:10.880 --> 01:44:13.279 That's one of the things we'll talk about. We may have some other 1284 01:44:13.359 --> 01:44:16.319 remedies. Hang on, I'm Tom no more coming up on the Troubleshooter Show. 1285 01:44:17.840 --> 01:44:21.880 Go with a sure thing Denver's Best roofer Excel Roofing dot com. You 1286 01:44:21.920 --> 01:44:29.600 don't pay a cent until you're content. Plea time for an insurance check up, 1287 01:44:29.680 --> 01:44:34.079 free no obligation comparison call Compass Insurance paying too much your coverage at dozens 1288 01:44:34.119 --> 01:44:38.760 of insurance companies find out now three O three seven to seven to one help. 1289 01:44:38.960 --> 01:44:42.479 You'll think you're his only customer when you choose Frank durand the real estate 1290 01:44:42.600 --> 01:44:46.239 Man dot com to list your home with Remax Alliance three three nine two zero 1291 01:44:46.399 --> 01:45:02.439 sixteen twenty two ripped news. You don't have come running just as fast as 1292 01:45:02.520 --> 01:45:10.880 we can. Shooter's gonna help, come man, This is the Troubleshooter Show. 1293 01:45:11.520 --> 01:45:15.359 No Tom Martino, Hey I'm Tom Martino. Welcome to the show. 1294 01:45:15.560 --> 01:45:20.600 Three O three seven one three talk three ye old three seven one three eight 1295 01:45:20.680 --> 01:45:24.600 two five five. This are brought to by Frank Duran, the real estate 1296 01:45:24.760 --> 01:45:28.920 Man dot com for your market analysis of your home, what it will sell 1297 01:45:29.039 --> 01:45:33.560 for based on the neighborhood, the house, the comps, the interest rates. 1298 01:45:33.640 --> 01:45:42.600 Frank will give you a pretty accurate prediction or assessment or analyst, anal 1299 01:45:43.119 --> 01:45:47.359 or excuse me, evaluation three oh three nine two zero sixteen twenty two. 1300 01:45:47.439 --> 01:45:53.479 Frank durand the real Estate Man dot com. Well, Mike Wink is with 1301 01:45:53.680 --> 01:45:58.600 us from the Wink Law Firm and he does bankruptcy law, and we had 1302 01:45:58.640 --> 01:46:01.600 a number of questions for him. But there was a question about a chapter 1303 01:46:01.760 --> 01:46:09.720 thirteen over a chapter seven. A chapter thirteen and a chapter seven. Could 1304 01:46:09.800 --> 01:46:13.920 you, in a very basic way describe the difference? Sure? And then 1305 01:46:14.119 --> 01:46:17.479 after that I want to ask why anyone would do a thirteen. So first 1306 01:46:17.520 --> 01:46:21.000 and foremost, explain those in a very simple way that we can understand that 1307 01:46:21.319 --> 01:46:29.199 sure. Chapter seven bankruptcy is a property based bankruptcy that can cost you based 1308 01:46:29.239 --> 01:46:31.359 upon your property. Law says you get to keep certain property and if you 1309 01:46:31.439 --> 01:46:34.920 have property that's not on that keep list, A trustee can take it from 1310 01:46:34.960 --> 01:46:40.920 you, liquidated for your creditors. Whatever's left doing is wiped out. Okay, 1311 01:46:41.039 --> 01:46:45.359 So basically then you normally it's called liquidation. Right, So if you 1312 01:46:45.439 --> 01:46:48.560 have anything, you don't get to keep anything valuable? Right? Oh? 1313 01:46:48.640 --> 01:46:50.239 No, No, you get to keep lots of stuff. In fact, 1314 01:46:50.399 --> 01:46:55.479 most cases in Colorado, most Chapter seven cases in Colorado, the debtor keeps 1315 01:46:55.520 --> 01:46:58.560 everything. We call that a no asset case. That is the most county 1316 01:46:58.600 --> 01:47:00.880 emb by everything. Give an example, they don't keep one hundred and fifty 1317 01:47:00.920 --> 01:47:04.560 thousand dollars piece of art. No, no, you get to keep six 1318 01:47:04.600 --> 01:47:09.520 thousand of household goods in fifteen hundred of clothing and two thousand of jewelry, 1319 01:47:09.640 --> 01:47:12.399 fifteen thousand of motor vehicle equity to on a fifty thousand of home equity, 1320 01:47:12.439 --> 01:47:16.199 that kind of stuff. And I keep one case a retirement to keep what 1321 01:47:16.399 --> 01:47:21.439 is called exempted property, right, yep, correct, okay? And what 1322 01:47:21.800 --> 01:47:29.600 is exempted as far as financial instruments insurance? What about annuities. If they're 1323 01:47:29.680 --> 01:47:32.119 in a retirement account, they're protected, and if they're not, they're not 1324 01:47:32.279 --> 01:47:38.000 protected. But in a qualified plan they can't make you cash that in. 1325 01:47:38.319 --> 01:47:42.960 That's correct. If it's if it's a risk of qualified totally protected. Well 1326 01:47:43.000 --> 01:47:45.840 what if it's just a qualified plan, not a risk of for example, 1327 01:47:45.399 --> 01:47:53.399 like a not a like an ira an iray is protected any any basically qualified 1328 01:47:53.439 --> 01:47:58.079 retirement accounts are protected. But if you have an annuity or an investment account, 1329 01:47:58.239 --> 01:48:00.960 you know, then that wouldn't be protected. Crypto typically not going to 1330 01:48:01.000 --> 01:48:06.600 be protected. How about unless the annuity is a qualified annuity, right because 1331 01:48:06.680 --> 01:48:11.920 there are so okay, got it? Nowns are not right? Well they've 1332 01:48:11.960 --> 01:48:14.279 now they changed that. They added so you could do you could protect up 1333 01:48:14.319 --> 01:48:16.680 to one thousand dollars of firearms. Wow. So yeah, yeah, so 1334 01:48:16.800 --> 01:48:24.520 for you generous which call them generous exceptions, Yeah, cenerous exemptions. Absolutely. 1335 01:48:24.600 --> 01:48:27.920 They rewrote the law in April of twenty two, and in doing so 1336 01:48:28.079 --> 01:48:30.920 they bumped up the homestead equity, which was huge, to two hundred and 1337 01:48:30.920 --> 01:48:35.560 fifty thousand from seventy five thousand. And if you're sixty year older or disabled 1338 01:48:35.600 --> 01:48:39.439 in the home then it's it went from one hundred and twenty five to three 1339 01:48:39.520 --> 01:48:42.479 hundred and fifty thousand. Hey, no, you would get to keep exempt 1340 01:48:42.520 --> 01:48:46.680 at property otherwise you get rid of it or whatever you're done. That's correct, 1341 01:48:46.760 --> 01:48:50.479 that's correct. And then thirteen is a payment plan where you're going to 1342 01:48:50.479 --> 01:48:56.800 be making payments into a to the trustee is going to be distributing proceeds for 1343 01:48:56.920 --> 01:48:59.920 three to five years. Now, the amount you have to pay can depend 1344 01:49:00.119 --> 01:49:04.960 down income assets or certain types of debts. So for example, certain types 1345 01:49:05.000 --> 01:49:09.479 of taxes have to be paid, doesn't matter how affordable that is for you. 1346 01:49:10.359 --> 01:49:13.520 One reason that people file thirteen is if they're going to lose Let's say 1347 01:49:13.560 --> 01:49:16.640 you have three hundred thousand of home equity and you can only protect two hundred 1348 01:49:16.640 --> 01:49:19.840 and fifty. You can go into Chapter thirteen, keep your home, no 1349 01:49:20.000 --> 01:49:24.359 risk of losing your home, and pay that fifty off in the three to 1350 01:49:24.439 --> 01:49:30.720 five year payment plan. Now secured property in both seven and thirteen, you 1351 01:49:30.880 --> 01:49:34.640 still have to keep the debt still survives bankruptcy. Yeah. So the when 1352 01:49:34.640 --> 01:49:38.680 you said, what are some of the dumber things you hear? One of 1353 01:49:38.760 --> 01:49:41.479 them is what people say, well, I didn't put my house in the 1354 01:49:41.520 --> 01:49:43.960 bankruptcy, or I didn't put my car in the bankruptcy. It is always 1355 01:49:44.000 --> 01:49:47.479 in a personal bankruptcy, always, always, always. However, most of 1356 01:49:47.560 --> 01:49:50.680 the time. The debtor gets to keep that stuff right. And if there's 1357 01:49:50.680 --> 01:49:55.039 a lot, there's a lien on it, then you got to keep paying 1358 01:49:55.079 --> 01:49:58.199 the lien. Yes, the car loan or the mortgage. Do you have 1359 01:49:58.359 --> 01:50:01.800 to reaffirm it? No, well you do not. That's another thing people 1360 01:50:01.880 --> 01:50:05.640 do that they don't have to do. That's correct. That's correct. Now 1361 01:50:05.760 --> 01:50:09.920 people say, well, I reaffirmed it so I wouldn't lose it, but 1362 01:50:10.720 --> 01:50:14.920 I've heard it's against public interest for them to foreclose on a car or a 1363 01:50:15.000 --> 01:50:17.680 home. If you're making your payment, that's correct, that's all correct. 1364 01:50:18.159 --> 01:50:23.039 Could you explain what reaffirming is? Sure? Sure? So when you file 1365 01:50:23.119 --> 01:50:26.960 bankruptcy, Let's say your car loan is like a two part transaction. It 1366 01:50:27.039 --> 01:50:30.479 has a note and a lean right. So when you file bankruptcy in chapter 1367 01:50:30.640 --> 01:50:35.800 seven, the note is discharged, but the lean remains right. So simply 1368 01:50:35.880 --> 01:50:39.520 stated, that means you want to keep your car, you got to keep 1369 01:50:39.520 --> 01:50:43.680 paying for it. If six months after bankruptcy the transmission goes on a car, 1370 01:50:44.119 --> 01:50:45.479 you don't want to pay to fix it. The lender could take the 1371 01:50:45.600 --> 01:50:49.600 car, and if they get less for it than you owe, you're out. 1372 01:50:49.720 --> 01:50:54.600 You don't have to worry about that so called deficiency liability because it was 1373 01:50:54.640 --> 01:50:58.840 discharged in your bankruptcy. Whereas if you reaffirm that that loan while you're in 1374 01:50:58.960 --> 01:51:01.439 bankruptcy, and that's saying, scenario plays out now, they can hold you 1375 01:51:01.600 --> 01:51:05.960 liable for whatever the deficiency was because you signed back on to the promise to 1376 01:51:06.039 --> 01:51:11.199 pay. Yeah, so there's no reason to put your ass back on the 1377 01:51:11.239 --> 01:51:15.079 line if you don't have to. Now, a lot of lenders don't like 1378 01:51:15.159 --> 01:51:17.279 that, and they'll even send you a notice saying, you know, thanks 1379 01:51:17.399 --> 01:51:23.640 for going through our congratulations on going through bankruptcy. If you'd like to keep 1380 01:51:23.680 --> 01:51:27.279 your car, here's a reaffirmation agreement. It doesn't say or we're going to 1381 01:51:27.359 --> 01:51:30.439 take it. But people get tricks sometimes, Mike, Yeah, and we 1382 01:51:30.640 --> 01:51:34.159 do them. The scenario that comes up where we do them, which is 1383 01:51:34.279 --> 01:51:38.880 kind of a tricky thing. You probably know about a time called cross collateralization. 1384 01:51:39.399 --> 01:51:43.279 Yes, so if you have a car loan at a bank where you 1385 01:51:43.439 --> 01:51:46.840 also have other debt that car loan and the lean will say that your car 1386 01:51:47.000 --> 01:51:50.159 is collateral, not just for the car loan, but for every loan you 1387 01:51:50.279 --> 01:51:55.000 have with that institution, and it is, and that's called cross collateralization. 1388 01:51:55.520 --> 01:51:59.319 Most bigger banks like Chase and such, they don't really play those games, 1389 01:51:59.399 --> 01:52:01.640 or at least try to enforce it. But your local credit union will definitely 1390 01:52:01.680 --> 01:52:04.960 try to enforce it, and so a lot of times we'll negotiate, we'll 1391 01:52:05.039 --> 01:52:12.119 reaffirm the car loan in exchange for their waiver of cross collateralization. So then 1392 01:52:12.159 --> 01:52:15.239 you keep your car by just having to pay the car loan rather than having 1393 01:52:15.239 --> 01:52:18.119 to also pay the credit card or something. How does that exemption work if 1394 01:52:18.520 --> 01:52:24.840 let's say it's a husband and wife and the husband is doing the bankruptcy only, 1395 01:52:25.479 --> 01:52:28.520 and the house is in both of their names, right, I mean, 1396 01:52:28.600 --> 01:52:30.680 and let's say it's one hundred percent equity. Let's say they don't even 1397 01:52:30.720 --> 01:52:33.319 know a nickel on it, but the wife owns half of it. Right. 1398 01:52:33.479 --> 01:52:39.039 So the homestead exemption is unique in that there's only one per property, 1399 01:52:39.239 --> 01:52:42.880 Okay, So it's not like you and your spouse each get one. Okay. 1400 01:52:43.000 --> 01:52:45.960 So the first three hundred and fifty or tw hundred fifty, whatever the 1401 01:52:45.960 --> 01:52:49.199 exemption is, that's that's the baseline, and then the equity over that half 1402 01:52:49.239 --> 01:52:51.880 of it's your exes or half of it's your spouse is and half of it's 1403 01:52:51.880 --> 01:52:56.119 yours. So that half is the part that can go on in this state. 1404 01:52:56.199 --> 01:53:00.640 Now you can have like a you know, a contest between the trustee 1405 01:53:00.640 --> 01:53:02.439 and the non filing spouse, the trustee trying to get force and to sell 1406 01:53:03.119 --> 01:53:08.399 and it's it's a stressful situation. Normally we put that person into chapter thirteen. 1407 01:53:08.800 --> 01:53:11.399 We filed thousands of case. Has never had anybody lose a home, 1408 01:53:12.239 --> 01:53:16.159 and I'm not about to start that now. Okay, now, Anthony, 1409 01:53:16.319 --> 01:53:21.239 go ahead, Anthony, welcome, You're on with Mike wink Hi, Tom, 1410 01:53:21.319 --> 01:53:25.720 thank you. I just had a question. I'm actually about halfway through 1411 01:53:25.800 --> 01:53:30.199 a chapter thirteen with a five year repayment. We didn't do a chapter seven 1412 01:53:30.359 --> 01:53:34.159 because the attorney that we went through told us we didn't qualify for a seven. 1413 01:53:35.760 --> 01:53:40.199 Why would someone not qualify for a seven. Let's talk about that. 1414 01:53:40.800 --> 01:53:45.000 Too much income, that's that is that would be the reason. Almost What 1415 01:53:45.159 --> 01:53:47.640 is the income limit on that? Well, it's basically so it starts with 1416 01:53:48.119 --> 01:53:53.680 just a gross income limit, which we compare your your household income to the 1417 01:53:53.800 --> 01:53:58.000 median income in your house and your household based on your household size. So 1418 01:53:58.159 --> 01:54:01.640 for a single person, it's seven seven thousand, it's about ninety thousand for 1419 01:54:01.680 --> 01:54:04.359 a two person household, one hundred and ten for a three person and so 1420 01:54:04.479 --> 01:54:09.760 on, And so you probably had too much income above that, above that 1421 01:54:09.920 --> 01:54:14.119 threshold to be eligible. Now, if you're over on the gross you might 1422 01:54:14.239 --> 01:54:18.039 still have you might still be eligible for chapter seven if your so called disposable 1423 01:54:18.079 --> 01:54:23.439 income is low, which means you've got large allowed expenses, say like domestic 1424 01:54:23.520 --> 01:54:26.079 support. So there's some people who make a lot of money, but they 1425 01:54:26.119 --> 01:54:29.000 have to pay a lot of money and child support, and then basically that 1426 01:54:29.399 --> 01:54:31.600 child support shields their income. So they may still show that they can't afford 1427 01:54:31.920 --> 01:54:35.600 to repay creditors in a Chapter thirteen and be and then be eligible for Chapter 1428 01:54:35.680 --> 01:54:41.720 seven. Got okay, that answered that question. Hey very much, Anthony. 1429 01:54:41.880 --> 01:54:46.119 Talking about chapter thirteens and sevens, how many times to what would you 1430 01:54:46.279 --> 01:54:51.079 say the rate of not going through with to chapter thirteen and they end up 1431 01:54:51.119 --> 01:54:56.199 in a chapter seven fifty to fifty ninety ten. Well, that's right. 1432 01:54:56.319 --> 01:55:00.359 So typically let's say, I want to say fifteen twenty percent of Chapter thirteens 1433 01:55:00.359 --> 01:55:03.920 are going to be dismissed because the debtor fails to make their plan payments. 1434 01:55:04.039 --> 01:55:08.840 Oh so not much, but it doesn't. That doesn't push you into a 1435 01:55:08.920 --> 01:55:12.039 thirteen. Right if you weren't like this guy that called, if he wasn't 1436 01:55:12.079 --> 01:55:15.680 eligible based on income when he filed, he can't convert to a seven, 1437 01:55:15.960 --> 01:55:17.119 right that case, will never be able to convert to a seven. He 1438 01:55:17.159 --> 01:55:20.680 could dismiss if his income changed. And you know, but but yeah, 1439 01:55:20.760 --> 01:55:25.760 so about fifteen percent of thirteen and sevens like two percent or one percent, 1440 01:55:25.840 --> 01:55:29.560 and to dismiss almost almost all of them? And in discharge is the exemption 1441 01:55:29.800 --> 01:55:31.840 for the house or for the home mark. We have to take a break 1442 01:55:31.880 --> 01:55:35.439 hold on then, and Sonia, I haven't forgotten about you and the fence. 1443 01:55:35.520 --> 01:55:44.960 We'll come back to that and more coming up. If they go with 1444 01:55:45.079 --> 01:55:48.199 a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a 1445 01:55:48.319 --> 01:55:56.520 cent until you're content. Time for an insurance check up, free no obligation 1446 01:55:56.680 --> 01:56:01.279 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find 1447 01:56:01.279 --> 01:56:04.560 out now three all three seven seven to one help. You'll think you're his 1448 01:56:04.760 --> 01:56:09.680 only customer When you choose Frank durand the real Estate man dot com to list 1449 01:56:09.760 --> 01:56:14.520 your home with Remax Alliance three all three nine two zero sixteen twenty two a 1450 01:56:14.640 --> 01:56:24.479 heart radio station. Okay, Sonya, haven't forgotten about you. Let's talk 1451 01:56:24.479 --> 01:56:30.800 about that real quick, Sonya. So yeah, did you check to see 1452 01:56:31.520 --> 01:56:35.840 if that fence is on the property line, like when you bought your property 1453 01:56:35.880 --> 01:56:41.079 a few years ago? Actually you bought it back in nine I'm sorry, 1454 01:56:41.319 --> 01:56:46.239 not a few years ago. Who did she own it since then? Or 1455 01:56:46.279 --> 01:56:54.279 before then? Before then? Okay, so is that fence on your property 1456 01:56:54.359 --> 01:57:00.279 line? I am not one hundred percent sure. This is some thing you 1457 01:57:00.399 --> 01:57:03.039 need to check, and I'll tell you why. Most of the time fences 1458 01:57:03.159 --> 01:57:06.640 used to be put on the property lines. They used to be really old 1459 01:57:06.680 --> 01:57:12.439 ones. But then with newer zoning laws there were setback requirements, and the 1460 01:57:12.520 --> 01:57:15.920 reason they did that was to keep this from happening. So somebody would put 1461 01:57:15.960 --> 01:57:19.000 the fence. There would be a four back or a four foot or six 1462 01:57:19.119 --> 01:57:24.279 foot a setback or a ten foot. If there's a setback, you can 1463 01:57:24.359 --> 01:57:29.600 simply put up your own fence and forget about it. If there's no setback, 1464 01:57:30.479 --> 01:57:35.439 you can put up your own fence anyway a foot inside hers and just 1465 01:57:35.600 --> 01:57:39.159 leave that piece of property there so you don't have to mess with her. 1466 01:57:39.720 --> 01:57:43.960 That's the quickest solution, yes, But there's a little bit more to the 1467 01:57:44.039 --> 01:57:48.079 story. And what is that like if we, for instance, my brother 1468 01:57:48.159 --> 01:57:53.800 went up to go fix the fence yesterday and she's like, you're on my 1469 01:57:53.920 --> 01:57:59.079 property. Get off my property. And my brother's like, hey, we're 1470 01:57:59.159 --> 01:58:00.760 just trying to fix the fence here, you know, and she's like, 1471 01:58:01.000 --> 01:58:04.960 get off my property. And then the other thing that we noticed, it's 1472 01:58:04.960 --> 01:58:08.640 a big so on you that has nothing to do with what I just said, 1473 01:58:09.640 --> 01:58:14.239 correck, okay, meaning that she can keep you off her property, 1474 01:58:15.319 --> 01:58:19.239 okay. In other words, she can't keep you from putting a fence up 1475 01:58:19.359 --> 01:58:26.800 on your property. Okay. If you if you made it so there was 1476 01:58:26.880 --> 01:58:30.920 let's say a foot between the fences, okay, Now you could nitpick saying, 1477 01:58:30.960 --> 01:58:32.079 well, why should I have to give up a foot of my property? 1478 01:58:32.079 --> 01:58:34.920 Blah blah blah. I mean, obviously, but if you want a 1479 01:58:35.000 --> 01:58:38.840 quick solution, you can put a fence up. Well, actually you can 1480 01:58:38.880 --> 01:58:41.640 put it up within inches of her fence. You can do it, but 1481 01:58:41.720 --> 01:58:45.880 you won't be able to service it. So it's best to put a fence 1482 01:58:45.960 --> 01:58:48.560 up, But first see if there's a setback. If there is, then 1483 01:58:48.800 --> 01:58:53.680 then you should set back. If not, then do whatever you want. 1484 01:58:53.760 --> 01:58:58.399 But that's the quickest solution. Then she would have nothing to say. Ever, 1485 01:58:58.560 --> 01:59:02.199 if her fence completely fell down, it would not affect you. She 1486 01:59:02.479 --> 01:59:06.840 can keep you go ahead. The reason why, also why I was calling 1487 01:59:08.039 --> 01:59:11.600 is because I mean, we have we had to have put cameras out because 1488 01:59:11.640 --> 01:59:15.439 of the situation. Well we noticed that, because what do you mean, 1489 01:59:15.520 --> 01:59:18.319 hold on, why do you have to put cameras out? I don't understand 1490 01:59:18.600 --> 01:59:25.039 why, because she's throwing nails under the cars. Now, well, that 1491 01:59:25.159 --> 01:59:28.039 has nothing to do with the fence. I mean, that's just you just 1492 01:59:28.119 --> 01:59:30.840 call the cops for that. Yeah, I was just calling to get helped 1493 01:59:30.960 --> 01:59:34.880 as like, this is terrible. There's nothing worse than having a bad neighbor. 1494 01:59:35.039 --> 01:59:41.000 I feel for you. But right now, the fence is one issue. 1495 01:59:41.439 --> 01:59:44.159 But where does she throw nails? That? You said that was a 1496 01:59:44.319 --> 01:59:49.800 back fence. So she's not even alongside you on your street? Is she's 1497 01:59:50.239 --> 01:59:57.680 to the uh else of me? Okay? And uh so she has she's 1498 01:59:57.800 --> 02:00:00.920 had she's starting to have issues with myself and the neighbor across the street. 1499 02:00:01.039 --> 02:00:05.960 So she hit the neighbor across the streets car, and well, do you 1500 02:00:06.039 --> 02:00:12.399 guys call the do you guys call the police? Well, when we look 1501 02:00:12.439 --> 02:00:15.079 at the camera, you can't you see her out there, but you can't 1502 02:00:15.760 --> 02:00:18.840 technically see her doing what she did. So when she hit the neighbor's car, 1503 02:00:19.119 --> 02:00:24.119 it was at like five thirty in the morning, you fear her get 1504 02:00:24.159 --> 02:00:27.000 out, she hits it, you fear get out, looks at the car, 1505 02:00:27.520 --> 02:00:30.640 looks at her car, gets back in and drives away. So I 1506 02:00:30.720 --> 02:00:34.720 guess I was just calling you more for like neighborly advice, Like, Okay, 1507 02:00:34.880 --> 02:00:38.479 here's what you do. Here's some no, here's some advice. Okay, 1508 02:00:38.640 --> 02:00:41.960 really and truly on the fencing, you know how I feel about that. 1509 02:00:42.039 --> 02:00:45.640 Now, as far as someone breaking the law, you have to get 1510 02:00:45.680 --> 02:00:48.359 evidence and you have to call the cops, or you have to sue her 1511 02:00:48.479 --> 02:00:53.000 civilly for damages, but you still have to have proof. You can go 1512 02:00:53.159 --> 02:00:58.000 either way criminal or civil. And for example, if they do damage and 1513 02:00:58.079 --> 02:01:03.199 it's under seventy five hundred, you to small claims court, okay, and 1514 02:01:03.359 --> 02:01:08.680 then you'll see how that stops it. Hey, what started with anyhow? 1515 02:01:09.119 --> 02:01:14.720 What started this? This Hatfield McCoy thing. I have no idea. I've 1516 02:01:14.760 --> 02:01:17.479 been there for two thousand and nine. I had my nieces moved in with 1517 02:01:17.640 --> 02:01:23.079 me, and she has boys, good excellent boys, been in football, 1518 02:01:23.239 --> 02:01:26.600 on a roll all that, and they have cars. So I think she 1519 02:01:26.760 --> 02:01:30.079 thinks that the neighbors are too were too loud, and the people forking straight 1520 02:01:30.119 --> 02:01:31.880 are too loud. I get it. I have no idea. I have 1521 02:01:32.079 --> 02:01:36.079 no idea. I'm serious what I said, Sary. It's neighbors can ruin 1522 02:01:36.159 --> 02:01:41.279 your entire experience in life. I swear to God. It gets to a 1523 02:01:41.319 --> 02:01:45.359 point where you don't even like going home. That's how it is. And 1524 02:01:45.600 --> 02:01:48.119 that's why I called, because I didn't I know, you know a little 1525 02:01:48.119 --> 02:01:51.560 bit a lot more than I do. As far as like again, though, 1526 02:01:51.600 --> 02:01:56.479 there's no magic sauce. It's that there's strength in numbers. So if 1527 02:01:56.520 --> 02:02:00.479 you can get other neighbors, Mark, Mark, do you remember the neighbor 1528 02:02:00.560 --> 02:02:04.760 down and was it in Pueblo or Springs that she was out screaming at people 1529 02:02:04.880 --> 02:02:09.880 and pulling her hair out. She was the best man. Oh my, 1530 02:02:10.199 --> 02:02:12.920 kind of what this lady's doing? Yeah? No, this lady they had 1531 02:02:12.960 --> 02:02:16.920 her on video. She was just Looney Tunes, total Looney Tunes cop showing 1532 02:02:17.000 --> 02:02:20.600 up all the time. I'm pretty sure she tried talking to this neighbor sonya 1533 02:02:20.640 --> 02:02:25.159 as a friend. Have you ever tried, Yes, we have, and 1534 02:02:25.359 --> 02:02:28.960 she just tells us to get all her property, even one is on her 1535 02:02:29.000 --> 02:02:31.640 property. And the funny thing is like, if you walk up to her 1536 02:02:31.680 --> 02:02:35.479 property from her tree, it's pushed up the concrete. So I thought, 1537 02:02:35.600 --> 02:02:40.960 well, maybe I should go fall into her on her personal concrete. And 1538 02:02:41.079 --> 02:02:45.199 she has a ton of cars out there, but the city said we can't 1539 02:02:45.239 --> 02:02:49.119 do anything because it's on concrete. Is there fired cars, Yeah, they've 1540 02:02:49.159 --> 02:02:54.199 been out Those cars have been there since I've lived there, since the past 1541 02:02:54.279 --> 02:02:59.079 fifteen years. He has an old Chevy Blazer. I don't know what to 1542 02:02:59.199 --> 02:03:02.840 tell us. Little actions can be taken, but only where damages are done 1543 02:03:03.520 --> 02:03:09.239 three O three seven one three talks seven one three eight two five five even 1544 02:03:09.279 --> 02:03:11.479 small claims court. By the way, you don't even have to hire an 1545 02:03:11.479 --> 02:03:15.199 attorney on that. Coming up, we're going to talk about the wins and 1546 02:03:15.279 --> 02:03:19.920 what they did to electrical and what Solar UH customers can do about that. 1547 02:03:20.079 --> 02:03:24.760 This is one area where you're never affected. We got more to talk about 1548 02:03:24.920 --> 02:03:33.880 like that coming right up. Go with a sure thing Denver's best roofer Excel 1549 02:03:34.000 --> 02:03:41.720 Roofing dot com. You don't pay a cent until you're content. Time for 1550 02:03:41.800 --> 02:03:45.119 an insurance check up free, no obligation. In comparison, call Compass Insurance 1551 02:03:45.319 --> 02:03:49.439 paying too much your coverage at dozens of insurance companies find out now three oh 1552 02:03:49.479 --> 02:03:53.960 three seven to seven to one. Help. You'll think you're his only customer 1553 02:03:54.000 --> 02:03:57.600 when you choose Frank durand the real estate Man dot com to list your home 1554 02:03:57.840 --> 02:04:12.640 with Remax Alliance three all three to zero sixteen twenty two. Tom Martino your 1555 02:04:12.720 --> 02:04:16.880 troubleshooter three oh three seven one three talk three oh three seven one three eight 1556 02:04:16.920 --> 02:04:20.520 two five five. I want to talk to uh. Let me get him 1557 02:04:20.560 --> 02:04:25.760 on here. Mark? Are you there? Mark? You bet? Mark 1558 02:04:25.920 --> 02:04:30.279 is with UH pro bid solar and Mark, we want to talk about uh, 1559 02:04:31.319 --> 02:04:38.319 the wins and what happened and all of that. Did you have solar 1560 02:04:38.680 --> 02:04:43.239 people call you saying thank god we have the system? Yeah we did. 1561 02:04:43.319 --> 02:04:46.880 We actually had a few customers call them from backup batteries as well. They 1562 02:04:47.000 --> 02:04:51.000 lost power if they don't have the batteries, so they could have probably saved 1563 02:04:51.000 --> 02:04:56.359 a lot of essentials by having them and not having to throw a food out. 1564 02:04:57.439 --> 02:05:00.560 Now, there, Belle did this a lot on a preventage of measure. 1565 02:05:00.840 --> 02:05:04.359 So it's going to happen again, oh, no doubt. And not 1566 02:05:04.640 --> 02:05:09.920 just for wins. It's going to happen for all kinds of reasons. And 1567 02:05:10.279 --> 02:05:15.560 I wanted to ask you. You're doing a special with battery backups in honor 1568 02:05:15.640 --> 02:05:19.760 of this event. What are you doing? Yeah? Four point eight kill 1569 02:05:19.760 --> 02:05:24.239 a lot system in a five kill lot batter that would basically back up the 1570 02:05:24.399 --> 02:05:28.399 essentials so you're not throwing food out. We can get you in that for 1571 02:05:28.680 --> 02:05:33.159 less than twenty thousand dollars after the tax credit. Holy Renew has a yeah, 1572 02:05:33.279 --> 02:05:38.920 Colorado Renew has a great loan one hundred and seventy five per month after 1573 02:05:39.039 --> 02:05:42.760 the tax credit. It's a heck of an opportunity. Wait a minute, 1574 02:05:42.800 --> 02:05:45.239 Wait a minute, how much? Now? That's so you're talking about a 1575 02:05:45.279 --> 02:05:51.399 complete system with battery backup for under twenty grand or financing with that tax credit 1576 02:05:51.840 --> 02:05:56.199 of one hundred and seventy five bucks a month, So I mean, what 1577 02:05:56.399 --> 02:06:00.239 the hell that? Now? I want to ask you something though on when 1578 02:06:00.279 --> 02:06:02.800 you don't have battery backup and you just want to use that solar system. 1579 02:06:03.159 --> 02:06:10.399 How much will that solar system cover of a regular house? So the challenge 1580 02:06:10.439 --> 02:06:13.600 with solar is even if if the power grid is down, unless you have 1581 02:06:14.399 --> 02:06:18.520 a different setup with a transfer switch and they're called it eight pluses that have 1582 02:06:18.880 --> 02:06:25.039 small memory of battery. You can't power a lot with just that. In 1583 02:06:25.199 --> 02:06:29.880 order to have power backup, you need to have a battery connected to your 1584 02:06:29.920 --> 02:06:31.560 system that auto training. No, no, I unders know, No, 1585 02:06:31.680 --> 02:06:34.560 I get that part. What I'm asking is this on a regular day to 1586 02:06:34.680 --> 02:06:39.079 day basis, where you're not depending on the battery on a regular day to 1587 02:06:39.159 --> 02:06:44.840 day basis, what will that system cover in your home? Probably on your 1588 02:06:44.920 --> 02:06:46.800 average home, most of it up, you know, up to about seventy 1589 02:06:46.800 --> 02:06:49.640 five percent. On a larger home, you're going to want a larger system. 1590 02:06:50.079 --> 02:06:55.000 But again that backup battery, you only need a five A battery to 1591 02:06:55.359 --> 02:06:59.319 back up to yourselves. I get what you're saying. How long will it 1592 02:06:59.359 --> 02:07:03.479 backup? Those essentials is lawns, the sun to shine, and so what 1593 02:07:03.560 --> 02:07:06.760 you're really doing is you're powering your house with the solar and the back Oh, 1594 02:07:08.199 --> 02:07:10.720 I get what you're saying. Of course, of course. Yeah, 1595 02:07:11.399 --> 02:07:15.319 and then at night you're running off of that thing because I'm not running microwators 1596 02:07:15.359 --> 02:07:19.199 and washers and dryers, you're running your refrigerator and certain things. Okay, 1597 02:07:19.600 --> 02:07:27.119 gotcha? And is this a smart system where it picks the essentials? We 1598 02:07:27.239 --> 02:07:30.239 pick them for you. We put in a critical loads panel and that basically 1599 02:07:30.359 --> 02:07:33.840 is just like a being subpanel for your home. The power goes down, 1600 02:07:34.159 --> 02:07:39.720 we make sure those circuits are backed up. Have you gotten calls since the 1601 02:07:40.159 --> 02:07:44.680 wind about it? Oh? Yeah, we've gotten quite a few calls about 1602 02:07:44.760 --> 02:07:45.720 you know, how can I do this? How can I? How can 1603 02:07:45.800 --> 02:07:48.800 I not let this happen again? Right? Especially and by the way, 1604 02:07:48.920 --> 02:07:53.239 a lot of people are alarmed. Yeah. And by the way, Excel 1605 02:07:53.479 --> 02:07:56.720 and I don't know. Probably to their credit, they they were proactive and 1606 02:07:56.800 --> 02:08:01.000 started doing some blackouts where they assumed the lot lines were to come down anyway. 1607 02:08:01.560 --> 02:08:05.239 So we did do that, and that's a big good reason. The 1608 02:08:05.359 --> 02:08:09.279 Marshall fire was a big reason for that. They did not want to face 1609 02:08:09.279 --> 02:08:13.520 a situation like that. Again, Probdenergy dot com talk to Mark or someone 1610 02:08:13.600 --> 02:08:16.560 else and they do it. They don't just do the sales, of course, 1611 02:08:16.600 --> 02:08:22.359 they actually do the installations. And service three zero three six' two 1612 02:08:22.520 --> 02:08:26.520 three fifteen thirty one. Thanks Mark, I appreciate it. Thank you very 1613 02:08:26.640 --> 02:08:31.880 much everyday. Yeah. Thanks. So that is what we're talking about, 1614 02:08:33.039 --> 02:08:39.199 is solar backups as a result of the wins. Now we talk about it 1615 02:08:39.279 --> 02:08:41.960 for all kinds of reasons. Just reducing your bill. That's an incredible thing. 1616 02:08:43.000 --> 02:08:45.800 If you're paying one hundred and seventy five bucks, even on a loan, 1617 02:08:46.399 --> 02:08:50.079 and it's covering most of your electric you're going to save money right off 1618 02:08:50.159 --> 02:08:52.560 the bat. Or. Of course, if you have the cash, you 1619 02:08:52.680 --> 02:08:58.079 can take some tax credits. It's under twenty grand, so that's pretty cool. 1620 02:08:58.359 --> 02:09:01.039 Did Mike Wink leave Did he have to leave? Yeah? He did. 1621 02:09:01.159 --> 02:09:05.119 Man, he had a court date. Ah yeah, because he's an 1622 02:09:05.119 --> 02:09:11.960 attorney creditor. Two. Now let's talk about, uh, some crazy stuff 1623 02:09:11.560 --> 02:09:18.039 that I want to talk about. Did you did you know that people claim 1624 02:09:20.600 --> 02:09:26.279 that the eclipse can affect their mental health? Now, I don't know why 1625 02:09:26.399 --> 02:09:30.720 they would think that, but I don't get it. Does anyone get it? 1626 02:09:31.399 --> 02:09:37.319 How the eclipse some people had to stay home from work and they called 1627 02:09:37.359 --> 02:09:41.840 in I don't call it, what do you call this? Nutjobs? They 1628 02:09:41.920 --> 02:09:46.359 had to stay home because of the negative effects of the eclipse. Yeah, 1629 02:09:48.039 --> 02:09:50.880 and you thought we were the only ones that worked with Oh did I say 1630 02:09:50.920 --> 02:09:56.760 that out loud? I'm sorry? No, Seriously, So what would we 1631 02:09:56.880 --> 02:10:01.520 have done if if Kachina called in and said she couldn't work because of the 1632 02:10:01.640 --> 02:10:05.560 eclipse? What would have happened? I don't know. You know a lot 1633 02:10:05.640 --> 02:10:09.920 of people do think it's end time though, I mean, you know, 1634 02:10:09.079 --> 02:10:13.359 as described in the Bible. So maybe they're they're so convinced this could be 1635 02:10:13.520 --> 02:10:18.960 the coming or the resurrection or whatever they get off freaked out the eclipse. 1636 02:10:20.439 --> 02:10:24.880 Yeah, the eclipse happens many times, many many times. It just so 1637 02:10:24.079 --> 02:10:30.359 happens that over a particular area, it doesn't repeat for a while. Yeah. 1638 02:10:31.760 --> 02:10:41.319 As far as Walmart, Walmart's been sued a lot lately, as far 1639 02:10:41.479 --> 02:10:46.920 as self checkout. They're saying that they're they're and I'm not saying this is 1640 02:10:46.960 --> 02:10:50.479 good or bad or other. I mean, people are actually getting pissed that 1641 02:10:50.680 --> 02:10:54.800 Walmart is cracking down on shoplifting. How do you get pissed at that? 1642 02:10:56.239 --> 02:10:58.600 How can you be bad at That's everybody though, Man Target's doing the same 1643 02:10:58.640 --> 02:11:03.039 everybody, but he's closing down those self checkout lands. They just lose too 1644 02:11:03.119 --> 02:11:11.840 much money. Now, also, we're being told that Walmart was sued by 1645 02:11:11.880 --> 02:11:16.960 a consumer who claimed that for years the company manipulated the weight and the price 1646 02:11:18.079 --> 02:11:24.399 of packaged meat, poultry, and fish. And they actually went and did 1647 02:11:24.479 --> 02:11:30.920 some weighing and all of that for their evidence and brought that. For example, 1648 02:11:31.039 --> 02:11:35.039 turkey was supposed to be in one instance, they have ninety eight cents 1649 02:11:35.079 --> 02:11:41.319 a pound according to the sign, but they were actually marked at the register 1650 02:11:41.439 --> 02:11:48.079 when it scanned it one. How many times have you ever checked the scanner 1651 02:11:48.039 --> 02:11:52.079 based on the pricing on the aisle, hold you have to have a scale. 1652 02:11:54.840 --> 02:11:56.079 Well no, no, not that on that one. I'm not talking 1653 02:11:56.119 --> 02:12:01.359 about that one. As far as the that was the price per pound. 1654 02:12:01.479 --> 02:12:03.199 Oh, I see what you're saying. I don't know if they knew what 1655 02:12:03.560 --> 02:12:11.039 they meant was the price marked at on the aisle per pound. They the 1656 02:12:11.520 --> 02:12:16.239 price the poundage marked on the meat times what it should have been came out 1657 02:12:16.279 --> 02:12:20.119 to be less than they were actually charged. I don't think in their meat 1658 02:12:20.159 --> 02:12:24.199 department. I don't think there's signs like you're thinking anymore, you know, 1659 02:12:24.399 --> 02:12:28.319 like rib eyes whatever. Well, this this lawsuit that I'm looking at actually 1660 02:12:28.399 --> 02:12:33.119 has the signs It says so much per pound? Huh, isn't it? 1661 02:12:33.279 --> 02:12:37.960 And it has a yeah did you say some supers? Yeah? Isn't it 1662 02:12:37.960 --> 02:12:43.039 a class action lawsuit? Yeah? The Walmart the pound stuff? Yeah, 1663 02:12:43.119 --> 02:12:45.520 well yeah, but it was it was first brought by this one guy. 1664 02:12:45.560 --> 02:12:48.680 You're right, and then and then it turned out to be a class action, 1665 02:12:48.079 --> 02:12:52.159 a big class action. And what they're like, they're claiming they went 1666 02:12:52.279 --> 02:12:56.560 back in time. But I don't know how you get members of a class. 1667 02:12:56.680 --> 02:13:01.640 For example, do you say be cause it happened to me. Then 1668 02:13:01.680 --> 02:13:03.920 you put out the word that anybody who a shop meet over the last so 1669 02:13:05.000 --> 02:13:07.399 many years, because that's usually how they find members of a class. They 1670 02:13:07.479 --> 02:13:11.079 say, hey, if you've ever done this, or if you've ever had 1671 02:13:11.159 --> 02:13:13.880 this car, or have you owned this camera, or if you owned this 1672 02:13:15.119 --> 02:13:20.399 whatever, the chances are you were overcharged. Walbarton denies any wrongdoing, but 1673 02:13:20.560 --> 02:13:26.119 they will probably enter into settlement. It says forty five million bucks. I 1674 02:13:26.239 --> 02:13:31.560 know it. I just saw that. Forty five million and then we people 1675 02:13:31.680 --> 02:13:37.520 have to submit a claim by June. June fifth is the deadline to submit 1676 02:13:37.600 --> 02:13:41.239 a But how do you submit a claim? Do you like have to go 1677 02:13:41.359 --> 02:13:46.079 and have pass receipts. I've often wondered how you find the right people in 1678 02:13:46.159 --> 02:13:50.640 a class with something like this, like would you ever put an acclaim? 1679 02:13:50.680 --> 02:13:52.600 How would you put an acclaim? And how much are you owed? That's 1680 02:13:52.680 --> 02:13:56.279 the point you got to hit the link and go see it. But if 1681 02:13:56.319 --> 02:13:58.039 you want to submit a claim, there is a place to go. And 1682 02:13:58.199 --> 02:14:05.319 what it wants to see is when you've shopped what you shop for and I 1683 02:14:05.399 --> 02:14:07.720 guess they calculate some kind of a loss. You know what's funny about that? 1684 02:14:09.239 --> 02:14:11.920 What's that? Think of this? Man? I just I started thinking, 1685 02:14:13.000 --> 02:14:15.520 why would they do that? How would that get proved? I'll tell 1686 02:14:15.520 --> 02:14:22.880 you why the retailer makes around one point five six billion dollars in one day. 1687 02:14:24.560 --> 02:14:31.600 Hmm, Well think of that? I know three all three seven, 1688 02:14:31.680 --> 02:14:37.640 one, three eight two five five Go with a sure thing Denver's Best roofer 1689 02:14:37.800 --> 02:14:43.920 Excel roofing dot com. You don't pay a cent until you're content. Time 1690 02:14:45.000 --> 02:14:50.239 for an insurance checkup, free no obligation comparison call compass insurance paying too much 1691 02:14:50.399 --> 02:14:54.680 your coverage at dozens of insurance companies find out now three all three seven seven 1692 02:14:54.760 --> 02:14:58.680 one help You'll think you're his only customer when you choose Frank durand the real 1693 02:14:58.800 --> 02:15:03.319 estate man dot com to list your home with Remax Alliance three all three nine 1694 02:15:03.359 --> 02:15:11.760 two zero sixteen twenty two. Hi Tom Martino. Here, by the way, 1695 02:15:11.000 --> 02:15:16.920 somebody asks about this. It's Wink Law Firm dot com. Wink Lawfirm 1696 02:15:18.000 --> 02:15:22.159 dot com, Mike Wink who was on the show, And yeah, I 1697 02:15:22.279 --> 02:15:26.760 just wanted to make sure you don't put in the wrong website. Renew Home 1698 02:15:26.800 --> 02:15:31.439 Innovations will do your showers within two or three days, but you have seventy 1699 02:15:31.479 --> 02:15:33.359 two months to pay no interest. That's the most incredible that I've seen. 1700 02:15:33.920 --> 02:15:39.520 And they do stone resin walls that look exactly like stone or like manufactured stone, 1701 02:15:39.560 --> 02:15:46.199 engineered perfect stone like quartzide even or quartz. And they're waterproof of course, 1702 02:15:46.279 --> 02:15:52.920 no maintenance needed. Also glass shower walls and no curtains needed, no 1703 02:15:54.079 --> 02:15:58.720 doors needed, no thresholds to stumble over, perimeter drains, soap dishes, 1704 02:15:58.960 --> 02:16:05.399 benches. New Home Innovations dot Com three h three nine to zero sixteen twenty 1705 02:16:05.520 --> 02:16:11.359 two. Well, I like to say that life is its own teacher, 1706 02:16:11.560 --> 02:16:18.359 and that is bearing out when it comes to shoplifting, because all over the 1707 02:16:18.439 --> 02:16:22.319 country. Stores that were not doing anything are now actually doing something. And 1708 02:16:22.479 --> 02:16:33.399 what's amazing is there are actual lawsuits from people who were stopped from stealing and 1709 02:16:33.719 --> 02:16:43.760 claimed it was defamation of character and it was defaming in some way even though 1710 02:16:43.399 --> 02:16:48.440 they were walking out with stuff. Now, how you reconcile that, I 1711 02:16:48.520 --> 02:16:54.920 don't know. In fact, I don't even know how how anyone could even 1712 02:16:54.920 --> 02:16:58.399 get an attorney to represent them. But there, if you look it up, 1713 02:16:58.440 --> 02:17:05.719 there are people suing because they were stopped leaving a store with unpaid merchandise. 1714 02:17:07.079 --> 02:17:11.799 What would be the claim that you profiled me? Yeah, I profiled 1715 02:17:11.840 --> 02:17:16.879 you. You had bulging pockets and you had stuff hanging out your cart and 1716 02:17:16.000 --> 02:17:24.000 no receipt And speaking of receipts, some companies are going to the model of 1717 02:17:24.159 --> 02:17:28.559 costco checking receipts on the way out the door to see that you paid for 1718 02:17:28.680 --> 02:17:37.399 things. And there are civil rights activists saying this is wrong. Now, 1719 02:17:37.959 --> 02:17:48.639 I have never been able to reconcile why trying to stop crime is somehow racist. 1720 02:17:48.680 --> 02:17:54.479 I've never figured that out. I've never figured it out, or profiling, 1721 02:17:54.559 --> 02:18:01.680 but that seems to be what people are saying in some of these advocacy 1722 02:18:01.799 --> 02:18:07.440 groups. By the way, when we're not here, you can call us 1723 02:18:07.760 --> 02:18:13.360 at three oh three Martino, three oh three six two seven eight four sixty 1724 02:18:13.399 --> 02:18:16.719 six and leave a message. Please do that and we will put you on 1725 02:18:16.799 --> 02:18:20.680 the next show that's three oh three Martino. And don't forget referrals dot com. 1726 02:18:20.879 --> 02:18:24.040 Save all your problems for me. Yes,