Speaker 1: Yeah, Rip dum new need advice, so you don't have.
Speaker 2: Come running.
Speaker 3: Just as as as we can, Shooter's gonna help come.
Speaker 4: Man Dix is the Troubleshooter Show. No Tom Martino.
Speaker 5: I'm Tom Martino, and I welcome you to the show.
Speaker 5: The number is three oh three Martino twenty four to seven.
Speaker 5: You can call that three oh three six two seven
Speaker 5: eight four sixty six. That means if you have a problem,
Speaker 5: question your complaint, and you just think about it, call
Speaker 5: three oh three Martino, leave a message and we'll get
Speaker 5: back to you while we're on the air. You can
Speaker 5: also call the iHeart Line at three oh three seven
Speaker 5: one three talk seven one three eight two five five.
Speaker 5: You know today there there is gonna be a bit
Speaker 5: of a change of weather. But I like talking about
Speaker 5: summer because summer means fun and I want to go
Speaker 5: over some fun stuff. I looked into some hobbies and
Speaker 5: cost per you know, dollar value, and how expensive hobbies
Speaker 5: are and some inexpensive hobbies, and I'd love to talk
Speaker 5: about what you do. And if you found a gem
Speaker 5: where the cost justifies the fund or the fund justifies
Speaker 5: the cost, I should say I'd like to know about it.
Speaker 5: We're also going to talk a little bit about you know,
Speaker 5: so it would be hobbies and sports or anything you
Speaker 5: do in your spare time basically, and I also have
Speaker 5: a list. There was actually there was actually a survey
Speaker 5: done on hobbies and people were surveyed about their happiness level,
Speaker 5: how much they invest and they came up with a
Speaker 5: chart of hobbies that have the biggest bang for the buck. Anyway,
Speaker 5: let's go to the phones. Three oh three seven. He
Speaker 5: talked Danny. He called in before and he talked with Mark. Mark.
Speaker 5: Do you recall this one? Is Mark on? I need
Speaker 5: a little more info, okay, and you're a little low
Speaker 5: for me. I don't know if everyone can hear you.
Speaker 5: All right, Danny called in talk to Mark. John Fuller
Speaker 5: was the expert. Danny, let me look for your notes. Meanwhile,
Speaker 5: I would like you to tell us the original problem
Speaker 5: and where it stands today.
Speaker 6: I was in a car wreck. It was deemed my fault, ah,
Speaker 6: and I only had twenty five thousand dollars limit liability.
Speaker 6: The other party is another party is got an attorney
Speaker 6: and they're threatening to sue me, and so I wanted
Speaker 6: an attorney.
Speaker 5: Okay, okay, now, so the wait let me let me
Speaker 5: get this straight. The other party is threatened to sue
Speaker 5: you for pain and suffering.
Speaker 6: I have no idea what they're what they're threatening to
Speaker 6: suffer me.
Speaker 7: It's it's being.
Speaker 6: Communicated to me through my State Farm adjuster. And that's
Speaker 6: all the information I had.
Speaker 5: Okay, Well, you do understand, you do understand that your
Speaker 5: insurance will step in. You're insured, right.
Speaker 6: I'm insured, But the twenty five thousand dollars they're saying
Speaker 6: that the twenty five thousand, they're saying they've got medical
Speaker 6: bills that's going to surpass the twenty five thousand dollars.
Speaker 6: And I know that, I know that my insurance company
Speaker 6: will provide me an attorney to fight it if I
Speaker 6: have to. I've been told by the adjuster that the
Speaker 6: quality of this attorney is not much. I've been told
Speaker 6: by other people that the including John John Fuller, that
Speaker 6: the quality of their attorneys aren't much.
Speaker 5: Of whose attorneys, of whose attorneys, Danny, pardon the quality
Speaker 5: of whose attorneys?
Speaker 6: If State Farm would furnish me an attorney, they say
Speaker 6: the quality of their first is not much.
Speaker 5: Okay, Danny, let me explain a few things to you. Okay.
Speaker 5: The only time people refuse the insurance limit and go
Speaker 5: outside of the limit is when they believe that you
Speaker 5: are worth more. That's why I wish tell people to
Speaker 5: ensure themselves for what they're worth, because I'm going to
Speaker 5: give you an example. If if I had a twenty
Speaker 5: five thousand dollars policy and somebody I hit somebody and
Speaker 5: hurt them, they would never take it because they would
Speaker 5: assume that I had more than that. Do you have?
Speaker 5: How much you worth? Danny? I'm just gonna ask you
Speaker 5: straight up.
Speaker 6: I've got assets. I'm I'm made you one and I'm retired,
Speaker 6: and I got a lifetime of assets.
Speaker 7: That okay.
Speaker 5: But to Danny, Danny, they're just to have.
Speaker 6: Pardon?
Speaker 5: What do you have?
Speaker 8: What do you mean?
Speaker 7: What do I have? I have a house, I have.
Speaker 5: In assets, in assets? Do you have is your okay?
Speaker 5: Is your house paid off?
Speaker 7: Yes?
Speaker 5: Over a million? Danny? What the why were you only
Speaker 5: ensuring for twenty five dollars when you have a million
Speaker 5: dollars in assets?
Speaker 6: Because I was really stupid, I didn't I didn't even
Speaker 6: dawn on me.
Speaker 5: Now, Danny, okay, I want to know this. Tell me
Speaker 5: about the accident.
Speaker 6: Oh, I got stuck. I don't. I don't believe it.
Speaker 7: But anyway, I.
Speaker 6: Ran, I ran a red light and was hit by
Speaker 6: an oncoming car.
Speaker 5: And uh, and you don't believe you ran a red light?
Speaker 6: No, I don't. That that's debatable.
Speaker 7: But I got the ticket.
Speaker 6: I went to court and and they knocked it down
Speaker 6: to defective vehicle. So I have not pay to guilty
Speaker 6: to running the red light. I've paid the guilty to
Speaker 6: defect your vehicle. But that's probably neither here now.
Speaker 5: Okay, Yeah, they're going to prove that you ran the
Speaker 5: red light with traffic cams.
Speaker 6: I can't beat that one. But I've got I've got
Speaker 6: this this Affidavid. They want me to fill out and
Speaker 6: I haven't filled out. And that's what I want to
Speaker 6: talk to an attorney about.
Speaker 5: All Right, Danny will talk to you, but I'm gonna
Speaker 5: I'm gonna give you some really bad news, really really
Speaker 5: bad news. If you ran a red light and caused
Speaker 5: injury and they smell blood in the water, they're going
Speaker 5: to sue you for everything you're worth. Do you know
Speaker 5: one accident? Tell me how tell me about the injuries?
Speaker 5: How many other people in the in the other party, how.
Speaker 6: Many there was there was just one other person. We're
Speaker 6: going about thirty miles an hour.
Speaker 5: And I get a hould. But tell me about the
Speaker 5: other person's tell me about the other person's injuries.
Speaker 6: I don't know. I don't know.
Speaker 9: A damn it.
Speaker 6: All I know black and white is with this. My
Speaker 6: state farm insurance adjuster is telling me. And basically, initially
Speaker 6: he said that she had racked up sixteen thousand dollars
Speaker 6: in medical bills, and then then he says she's got
Speaker 6: twenty two thousand dollars in medical bills. I don't know anything.
Speaker 7: Nobody is.
Speaker 6: I've got no information whatsoever. My insurance adjuster is supposed
Speaker 6: to be handling like a middle man, and to me,
Speaker 6: it was like he was on their side.
Speaker 5: So well, well for let me tell you why, okay,
Speaker 5: Because they don't care beyond twenty five thousand dollars. They
Speaker 5: don't care if your sued for your personal assets, you're
Speaker 5: the one that was underinsured. They don't care. All they
Speaker 5: know is they risk twenty five thousand dollars. They're going
Speaker 5: to offer them twenty five thousand dollars. Those people are
Speaker 5: going to take that twenty five and they're gonna go
Speaker 5: after you, or they're going to refuse the twenty five
Speaker 5: and go after you. But if you're eighty one years
Speaker 5: old and you have more than a million dollars in assets,
Speaker 5: the attorneys will never stop never. I'm telling you, Danny,
Speaker 5: I'm telling you what to get ready for now. You
Speaker 5: do need an attorney to represent you, you really do,
Speaker 5: and I don't know where you're gonna find one because
Speaker 5: the attorneys aren't going to work on a contingency. So
Speaker 5: you're going to have to pay for an attorney. And
Speaker 5: I'm going to tell you a retainer on a case
Speaker 5: like this is going to be about ten grand upfront.
Speaker 6: I understand that, Tom.
Speaker 2: What do you think if Danny calls John Fulad to
Speaker 2: get a referral to a defense attorney, what did he say?
Speaker 10: He gave me this Rick Train's number.
Speaker 6: And I've called this guy a many, many many times
Speaker 6: and I don't even get a phone answer, like like
Speaker 6: like like it's nobody's on the other end of the line.
Speaker 5: Let's try to get more. And I would say, I
Speaker 5: would say that's a red flag.
Speaker 6: I would yeah, Well, I mean just called nobody only
Speaker 6: even answered the phone. And so I went online to
Speaker 6: make sure that I had the right phone number, and
Speaker 6: it's this guy's right phone number, but he won't answer.
Speaker 5: Well, then you need someone else.
Speaker 11: That's why I'm.
Speaker 6: One of my insurance people.
Speaker 5: Tell me about the Affidavid, tell me, hold on a second.
Speaker 5: I got to take a break. Hold on a second.
Speaker 5: I got to take a break. And I want to
Speaker 5: come back and talk to you about that affidavit. And
Speaker 5: and Brian, stay on the line. I'm interested to hear
Speaker 5: what your family does for fun. We have more coming
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Speaker 5: with Remax Alliance three oh three nine two zero sixteen
Speaker 5: twenty two. Hi, I'm Tom Martinez. You a troubleshooter. Listen.
Speaker 5: We have a classic case on the line right now
Speaker 5: of Danny who was under insured. He had liability insurance
Speaker 5: for twenty five thousand dollars, yet he has more than
Speaker 5: a million dollars in assets. Well, what the hell do
Speaker 5: you think is going to happen when you hit someone?
Speaker 5: You think they're going to settle for twenty five grand
Speaker 5: when they look at you and know that you had
Speaker 5: a paid off home and all the other stuff. Now,
Speaker 5: a certain amount of your equity is going to be
Speaker 5: safe in your home, but that's it. Everything else is
Speaker 5: up for grabs. So you're in a very dangerous situation,
Speaker 5: and I almost think what you need is a criminal
Speaker 5: defense attorney, because running a red light's a crime. They're
Speaker 5: going to claim the crime crime caused the damage. But Danny,
Speaker 5: I'm going to tell you something, and I really mean it.
Speaker 5: Unless you can prove, absolutely prove that you did not
Speaker 5: run a red light and it was the other party's fault,
Speaker 5: you're going to end up paying a lot of money.
Speaker 5: I hate telling you that, but the handwriting's on the wall.
Speaker 5: I mean, they've already done a search on you and
Speaker 5: probably found everything you have. I hate to tell you this, bro,
Speaker 5: but you and right now, if you try moving assets
Speaker 5: or transferring assets, you'll go to jail because it'll be
Speaker 5: that'll be fraud. Because now you know you're in danger
Speaker 5: of a judgment. They put you on notice you can't
Speaker 5: move your assets. So, Danny, what exactly did they send you?
Speaker 5: Did they send you a lawsuit, a summons to a
Speaker 5: or what? How do you know you're being sued?
Speaker 6: I got I got a it's an appidavit. I'm gonna call.
Speaker 6: There's there's two of them. One of them. One of
Speaker 6: the appidavits is that I signed that I have no
Speaker 6: other no other insurance policy, okay, and then then the
Speaker 6: the one the Appidavid, it's Scott, it's Scott. I think
Speaker 6: there's eleven. They call them questions and they're not questions
Speaker 6: that they're paragraphs and I.
Speaker 5: And they're interrogatories. They're they're called interrogatories.
Speaker 7: Okay.
Speaker 6: I under checked whether whether they're uh uh, they're true
Speaker 6: or false. And and there's so many sentences in these paragraphs.
Speaker 6: Some of it could be true, some of it could
Speaker 6: be false. And so I haven't sent anything. I've got
Speaker 6: it here, I can maybe I can.
Speaker 7: Email it to you.
Speaker 6: See you can look at it though.
Speaker 5: Yes you can, well you yes you can. Why don't
Speaker 5: we Why don't we postpone this till we can get
Speaker 5: an attorney on any kind of defense attorney for you
Speaker 5: and Danny. I want you to email that to me
Speaker 5: as well so I can see it. I want to
Speaker 5: look at the true and false statements. So you have
Speaker 5: not consulted any attorneys yet, right.
Speaker 6: I've been trying. I called John Fuller, and then I John.
Speaker 5: Fuller does not John Fuller goes after people like you.
Speaker 5: He doesn't defend people, okay, that his practice is going
Speaker 5: after people who are liable and who are worth a
Speaker 5: lot of money or who have a lot of insurance. Okay,
Speaker 5: that's what John Fuller does. He's not going to defend someone.
Speaker 5: It's counter to his practice and the guy that he recommended.
Speaker 5: If the guy didn't answer the phone, then that would
Speaker 5: be my first indication. If I can't get the phone answered,
Speaker 5: I'm not going with the law practice. So we're going
Speaker 5: to try to find someone and get some opinions. I'm
Speaker 5: Tom Martine three ZHO three seven one three talks seven
Speaker 5: one three A two five five. Danny, you are a
Speaker 5: poster child for under insurance and how dangerous it can
Speaker 5: be people who think they're saving money monthly by having
Speaker 5: low liability. It might make you feel good, okay, but
Speaker 5: truly you're going to end up in very big trouble
Speaker 5: with even a minor accident, because they're going to look
Speaker 5: at you and say, wait a minute. This guy has
Speaker 5: a house, he has a boat, he has a lot
Speaker 5: of money in the bank, he has stocks and bonds,
Speaker 5: and he wants me to settle for twenty five grand. Haha.
Speaker 5: Just a discussion with your attorney's going to get him
Speaker 5: fifty I'm telling you, it's all bad, all bad. Brian,
Speaker 5: I asked about hobbies and fun and value. What tell
Speaker 5: me what you have to say about that.
Speaker 12: Well, whenever I have an opportunity with clear skies and
Speaker 12: good weather, my grandson and I who's five years old,
Speaker 12: we build estes rockets together, paint them, we send them,
Speaker 12: glow them all that good stuff, paint them up, and
Speaker 12: then we go down to a really sizeable part and
Speaker 12: we launch rockets. Well, I get a okay, and I
Speaker 12: usually get like a crowd of kids looking because they're like, oh,
Speaker 12: model rockets, this is great. Well did I give you now?
Speaker 5: Do they come back down? Do they come back down
Speaker 5: on a parachute?
Speaker 4: Works to keep you?
Speaker 5: Yes? How big are these rockets? I've seen some of
Speaker 5: them that are pretty big. How big are yours?
Speaker 7: Well?
Speaker 12: These are the mild ones, or maybe I haven't. I
Speaker 12: don't have the four foot one yet or the five
Speaker 12: foot one which is the green, or the meani. But
Speaker 12: I do have one that stands about two and a
Speaker 12: half feet tall.
Speaker 10: But and they travel about anywhere from one.
Speaker 12: Thousand to eighteen hundred feet. Goes up quite a ways.
Speaker 12: But the funny thing is all the kids that come
Speaker 12: around to watch.
Speaker 10: I make it a competition.
Speaker 12: I tell them. Anybody who can catch a rocket.
Speaker 10: Before it hits the ground, I'll give them five bucks.
Speaker 5: And commercial farms co oh wow, that's fun. That's fun.
Speaker 10: Turn you know, I don't have to run after it.
Speaker 12: I get these kids to go run after it, and
Speaker 12: whoever comes back with the rocket in their hand, I
Speaker 12: give them a five dollars.
Speaker 5: Does it ever get carried away to where you can't
Speaker 5: retrieve it?
Speaker 7: Yes, I've had.
Speaker 12: I've lost several rockets, and a lot of times the
Speaker 12: trajectory I actually pointed in a certain area where I
Speaker 12: know the airflow is going, and I'm pretty.
Speaker 10: Good about, you know, getting it close to the.
Speaker 12: Launch pad, but I have lost a few when when
Speaker 12: it hit turbulence up in the air.
Speaker 5: Now, i'd like to ask you, in general, what does
Speaker 5: it cost for an average two foot rocket two foot rocket?
Speaker 12: Anywhere from twenty bucks to thirty five.
Speaker 5: That's it. That includes fuel.
Speaker 10: No, the motors are the engines, which.
Speaker 12: Are solid rocket propulsion. They're really small and they range.
Speaker 12: You get a two pack with with uh with actually
Speaker 12: the stopper for the fuse, and that usually runs about
Speaker 12: three bucks a pack.
Speaker 5: Well that's not bad. So we're talking to launch your
Speaker 5: rocket a two foot rocket with the rocket and the
Speaker 5: fuel is about forty bucks.
Speaker 12: Yeah, well, and you got to get the launch pad
Speaker 12: and the and the actual mechanism that the or the
Speaker 12: launch controller.
Speaker 6: I've got a I got how much then?
Speaker 5: How much would all that set up be?
Speaker 12: We call that a couple hundred bucks overall, because I
Speaker 12: got the professional one, which is actually allows you to
Speaker 12: do two rockets at a time.
Speaker 10: I also, yeah, I mean it's it could get you
Speaker 10: can go far into it.
Speaker 12: The next next step up, I'm gonna.
Speaker 10: Try to build a twenty foot rocket and get.
Speaker 12: Out into the planes and shoot it up through the
Speaker 12: Wait a.
Speaker 5: Minute, Wait a minute, are we allowed to build? At
Speaker 5: what point do we become elon musk or we become
Speaker 5: like uh uh uh, like how big can we make
Speaker 5: the damn things?
Speaker 12: You can get approval. You have to get flight You
Speaker 12: gotta basically, like a pilot does you have to, I guess,
Speaker 12: file a flight plan about when you're gonna do it,
Speaker 12: how high it's gonna supposedly go, and all that, and
Speaker 12: they'll give you an approval time when you can do it.
Speaker 12: But it's all you got to get approval through the FAA.
Speaker 5: Okay, you get approval through the FAA. But where do
Speaker 5: you launch from? Do you have to get approval for that? Yeah?
Speaker 12: Usually, I've been looking into it. You can if you
Speaker 12: if you're friends with a farmer or something that's that's adequate.
Speaker 5: So are you telling me that is what's the limit?
Speaker 5: Twenty foot? Are there any limits? Or can I just
Speaker 5: build a fricking rocket and get in it?
Speaker 12: Well, my grandson wants me to build one for him
Speaker 12: and me both to get a shot into the into
Speaker 12: space with it. So you know, I really don't know this.
Speaker 12: The size limit, I would assume it probably shuts down
Speaker 12: right around probably right at ten f because how much.
Speaker 5: Is the twenty foot rocket gonna cost?
Speaker 12: Uh, we're looking at about five to ten grand overall.
Speaker 5: Wow.
Speaker 12: And then the fuel system exactly, And it uses a
Speaker 12: whole different technology for fuel. It's not your normal solid propulsion.
Speaker 12: It can be liquefied. It's if you watch it on
Speaker 12: YouTube called Dude Perfect. They actually have three launch competitions
Speaker 12: and they do the big ones. They got thirty footers
Speaker 12: and they go, hi, wow.
Speaker 5: I never dreamed I get rocket launching as one as
Speaker 5: one of the nominations. I never dreamed I would get
Speaker 5: that thank you very much for calling. You appreciate that.
Speaker 5: Brian three oh three, seven to one three talk. Did
Speaker 5: you know what we were gonna say? Some bow.
Speaker 13: I'm just gonna ask Brian if you could put a
Speaker 13: small camera in these rockets.
Speaker 5: Of course you do.
Speaker 14: Oh yeah, personally they do that.
Speaker 5: They do it all the time.
Speaker 2: And by the way, Est is a Colorado company. I
Speaker 2: don't know if you know that they're they're headquartered in Penrose.
Speaker 2: The Rocket Yeah, that's this rocket company.
Speaker 5: Now listen in this In this uh survey of hobbies,
Speaker 5: what do you think the number one reason people have hobbies?
Speaker 5: The number one reason. Eighty one percent of the people
Speaker 5: responded to this answer why they have a hobby? Why?
Speaker 5: Why would you have a hobby? Both you like shooting, right.
Speaker 13: I like shooting and collecting World War two items, and
Speaker 13: I like it gives me something to do when I'm retired.
Speaker 5: Okay, Number one stress relief. Stress relief.
Speaker 2: But that makes total sense because you're away from home
Speaker 2: and work, which.
Speaker 5: Is doing something voluntary that you want.
Speaker 2: To do that you can do, so it totally makes sense.
Speaker 2: It clears my mind, and home and worker the only source.
Speaker 5: Of what clears your mind. By the way.
Speaker 2: Oh you know in the summer, I do a lot
Speaker 2: of four wheeling, Yeah, you love for within year round,
Speaker 2: I engage in photography and so that's uh in target
Speaker 2: shooting and so all three of those just really clear
Speaker 2: my mind like a game of chesswood.
Speaker 5: It's amazing. Eighty one percent say the number one reason
Speaker 5: for a hobby is stress relief. I want to hear
Speaker 5: about your hobby and pastime as well. And if you
Speaker 5: have any problems, questioning complaints, I want to hear from
Speaker 5: that too. Three oh three seven to one three talks
Speaker 5: seven one three eight two five five. Frank Durand the
Speaker 5: real estate man right now offering free market valuations of
Speaker 5: your home. So he'll tell you what your house will
Speaker 5: sell for based on the current market, the supplying demand,
Speaker 5: the comps. It's a real, true evaluation and it's free
Speaker 5: of charge. So before you even think about listening, you
Speaker 5: might want to call Frank Durand the reestateman dot com
Speaker 5: three oh three nine two zero sixteen twenty two go
Speaker 5: with a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance check up free no obligation. In comparison, call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out Now three oh three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. In addition to your problems,
Speaker 5: questions and complaints, I want to know what you do
Speaker 5: for a pastime. How much does it cost? Is it
Speaker 5: a good dollar value or do you not care because
Speaker 5: you love it so much? What is your passion?
Speaker 15: Hey, Tom, I have a great hobby.
Speaker 5: Now what do you have? Doc?
Speaker 15: I played poker and my hobby pays for.
Speaker 5: Itself, you know what. I got a text about that
Speaker 5: just now and said that they play cards. I don't
Speaker 5: know if they play poker, but you know, I know
Speaker 5: a lot of people who do poker, and they do
Speaker 5: it for money, and it's a pastime. You get socialization
Speaker 5: with your buddies, you got refreshments. You know, it's it's
Speaker 5: uh and you got you got money you can make
Speaker 5: and if you do lose, you're probably you know, you
Speaker 5: limit it right, it's not like hardcore right?
Speaker 8: No?
Speaker 5: Absolutely, do you do tournament style when you guys play,
Speaker 5: or do you do by hand?
Speaker 7: No?
Speaker 9: I do cash games. There's you know, tournament play is
Speaker 9: very different than just playing regular poker, Like everybody's used
Speaker 9: to number one.
Speaker 16: If you're winning and you have to leave, you lose.
Speaker 15: All your money. Or if you're playing in a regular
Speaker 15: poker game, if you have to leave, you just get
Speaker 15: up and leave with whatever you have. So I used
Speaker 15: to do a lot of Are.
Speaker 5: There any rules? I want to know this because I
Speaker 5: hear a lot of people get pissed off. Are there
Speaker 5: any rules as to how long you have to stay
Speaker 5: if you're paying, if you're like on a Saturday you're
Speaker 5: playing with your buds, or Wednesday evening or however you
Speaker 5: do it.
Speaker 15: Usually if there's a home you can make.
Speaker 5: You win a crapload of money and want to leave,
Speaker 5: What do the guys think, Well, you.
Speaker 9: Just won't get invited back if you're in a casino.
Speaker 9: So if you're in a casino, you could play one
Speaker 9: hand and get.
Speaker 14: Up and leave.
Speaker 15: Nobody says anything.
Speaker 9: But when you're playing in a social game, regardless of
Speaker 9: the stakes, if you you usually have to commit to
Speaker 9: a certain amount of time unless you're losing.
Speaker 7: This.
Speaker 5: So if you guys say, hey, we're gonna be playing
Speaker 5: till eight o'clock, then you want them to stay at
Speaker 5: least through eight o'clock.
Speaker 9: Unless they say ahead of time, look, I have to
Speaker 9: leave at seven point thirty. So if people announce when
Speaker 9: they're gonna leave and they do that, nobody cares because
Speaker 9: they could be winning or losing. What people get upset
Speaker 9: about get you is if you don't say when you're
Speaker 9: gonna leave, and then you win a big hand or
Speaker 9: you're up a lot of money and then get up
Speaker 9: and leave, you won't get invited back.
Speaker 5: By the way, you guys can text me at seven
Speaker 5: four seven, Thank you, Doc. You can text me your
Speaker 5: hobbies too, seven four seven nine fifty eighty. That's my
Speaker 5: private text number. So you can text me there about
Speaker 5: the show about Wave eight wealth management, or you can
Speaker 5: text me right now on the topic what do you
Speaker 5: do for a pastime? What do you love doing? What
Speaker 5: is your passion? Now? Pastimes are not all sports and
Speaker 5: they're not all hobbies. They're just different mixtures of things.
Speaker 5: Some people. One guy says, Tom, I actually enjoy my
Speaker 5: job and it is. I love it, and when I'm relaxing,
Speaker 5: I like doing it. This person happens to be an accountant.
Speaker 5: They enjoy it. I mean, that's really good when you
Speaker 5: can enjoy what you do as a living. Now, obviously
Speaker 5: I just wouldn't have the physical strength to do radio
Speaker 5: twenty four hours obviously, you know, or all the time.
Speaker 5: But radio's fun for me now is major mark major there,
Speaker 5: because I know they have a lot of pastimes they
Speaker 5: do from time to time, and one of them, of course,
Speaker 5: is their motor home. I used to have a motor home.
Speaker 5: I loved motor homing. Part of the joy was the
Speaker 5: drive to different places and seeing the country, and then
Speaker 5: when you get there, you got your home with you.
Speaker 5: There's really nothing like It's so wonderful. I often joked
Speaker 5: that motor homing was like RV's meant real vacation because
Speaker 5: you make your own schedules, you make your own you know,
Speaker 5: you chart your own course, you do what you want.
Speaker 5: So whatever it is that you do, I'd like to
Speaker 5: hear about it. One guy says here he enjoys gardening. Now,
Speaker 5: gardening is never something that turned me on, but a
Speaker 5: lot of people love gardening. They really do. But I
Speaker 5: want to ask you about one activity and I'm serious
Speaker 5: about it, and I actually looked it up and they
Speaker 5: said it might be an illness, not a pastime. I'm serious. Now,
Speaker 5: remind me about that. An illness not a pastime. John,
Speaker 5: what do you have a question on, John, I'll tell
Speaker 5: you what we're gonna do. We're gonna put John on
Speaker 5: hold Kaschina. You're gonna talk to John and you're gonna
Speaker 5: find out if he's ready to talk right after the break.
Speaker 5: I'm Tom Martino three oh three, seven to one three
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Speaker 5: seven to one. Help you'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martine,
Speaker 5: you're a troubleshooter. We were talking about hobbies, pastimes, passions.
Speaker 5: What do you have? And I'm gonna go back to
Speaker 5: John on an eviction here, but I want to ask Mark. Mark.
Speaker 5: Someone asked something. They said, they know you go to
Speaker 5: Vegas a lot. In your last trip to Vegas? Was
Speaker 5: it slower than usual? Are you noticing a downturn in Vegas? Yeah,
Speaker 5: it was a little slower. Why do you think this
Speaker 5: person said that they've noticed it lately that there aren't
Speaker 5: as many people going to Vegas. Why do you think?
Speaker 17: I really don't know. But the airport wasn't that busy.
Speaker 17: Denver wasn't either, And we left on a Friday. Generally
Speaker 17: Denver when the ski stuff still open, it's a lot busier.
Speaker 17: But Denver wasn't busy. Vegas wasn't busy.
Speaker 15: Hey, Mark, do you think that was of two factors?
Speaker 9: One there's you know, sports betting by phone, so you
Speaker 9: don't have to go to Vegas to go to the
Speaker 9: sports book and the rise of more casinos and gambling
Speaker 9: and you know in other states like.
Speaker 17: Well, Doc, I just don't have an answer for that.
Speaker 17: I don't know the answer.
Speaker 15: Well, I'll tell you I don't.
Speaker 9: Guys so that I played poker with that don't go
Speaker 9: to Vegas anymore because they can play poker in Central
Speaker 9: City and Black.
Speaker 17: Most most of the casinos I go to, I mean
Speaker 17: they got rid of poker rooms like thirty years ago.
Speaker 17: Where what well, pretty much any station pretty much.
Speaker 14: Uh.
Speaker 17: The only place I can think of that I go
Speaker 17: occasionally Belagio. I don't even think Bolagio's got a poker
Speaker 17: room anymore.
Speaker 5: I mean they might.
Speaker 17: They all have poker rooms they Okay, Doc, I guess
Speaker 17: I'm crazy because where I just stayed didn't. The Cosmopolitan doesn't.
Speaker 17: Most of the places we go to do not have
Speaker 17: poker rooms.
Speaker 5: In this corner we have major market Ica, there's a
Speaker 5: brand new property, no poker room.
Speaker 17: Durango, brand new property, no poker brand rocks.
Speaker 9: That may be one of the reasons why, uh, you know,
Speaker 9: tourism is down.
Speaker 5: Because a poker room. Okay, to this mark. One guy
Speaker 5: said he enjoys picking up trash literally in the public.
Speaker 5: But I'm going to tell you about one that I
Speaker 5: discovered I went to I even went to my boyfriend
Speaker 5: to ask about it because it was Was it a hobby,
Speaker 5: was it a pastime? Was it a passion? I am
Speaker 5: told it is a mental illness, and I'm going to
Speaker 5: be telling you about that right now. I want to
Speaker 5: go to the phone, though, John, what about an eviction?
Speaker 5: What's going on?
Speaker 7: Hey?
Speaker 12: Tom?
Speaker 18: Hey, So I got a friend that's trying to invict
Speaker 18: his twenty five year old son.
Speaker 5: Out of his house.
Speaker 18: What's the process?
Speaker 5: Okay, I got to ask you. Your friend has a
Speaker 5: twenty five year old son. Do they have any kind
Speaker 5: of an agreement? Does the son pay anything?
Speaker 7: No agreement? No, no agreement, no nothing, Nope.
Speaker 5: Now I'm going to give you an off the cuff answer.
Speaker 5: And I'm serious. If I had a deadbeat son in
Speaker 5: my house and I wanted him out, I'd kick his
Speaker 5: ass out and lock him out. I changed the locks.
Speaker 5: I mean, are you telling me this son is saying
Speaker 5: I have rights?
Speaker 18: You know, he's well hip on the uh he needs
Speaker 18: to be evicted or if he has Yeah, he knows
Speaker 18: he has to be evicted.
Speaker 12: He's been here.
Speaker 5: Okay, I don't know if he has to be evicted.
Speaker 5: But this is really a good one for Brad O'Brien
Speaker 5: and John. This is a really good topic because I've
Speaker 5: actually never addressed it before, so that means it's new area.
Speaker 5: And by the way, I'm serious, we have now Mark.
Speaker 5: Didn't we have that one woman in the springs or
Speaker 5: some remember the one man that's always to be taken
Speaker 5: advantage of by her son and grandson? Did we have
Speaker 5: a question on eviction where the kid was saying, you
Speaker 5: can't get rid of me. I don't know, Mark, I
Speaker 5: don't remember. You know who I'm talking about, right, you know,
Speaker 5: we got talking and the grandson got on the line. Yeah,
Speaker 5: the grandson got on the line and said, you can't
Speaker 5: evict me. You know, you better shut up? And oh
Speaker 5: he was just a frickin' ough. Now listen, I'm gonna
Speaker 5: ask Brad O'Brien, honest to god, if you have a
Speaker 5: twenty five year old son, how long has the son
Speaker 5: been living there?
Speaker 7: Pretty much his whole life?
Speaker 5: Okay, So if you have a kid that's been living
Speaker 5: with you, your child, they turn eighteen nineteen twenty twenty one,
Speaker 5: twenty two. Does he pay anything at all? Is there
Speaker 5: any kind of a rental arrangement? He doesn't pay any
Speaker 5: And then he said, he, you know.
Speaker 18: I know there's no contract for sure, he doesn't have
Speaker 18: like a you know, at least he may pay some,
Speaker 18: but I don't think he does.
Speaker 7: So I don't think he does.
Speaker 18: But I know for sure one outside there's no rental
Speaker 18: agreement or nothing between them.
Speaker 10: Just okay, So.
Speaker 5: What I need to know is did he ask him
Speaker 5: to leave? Go with a sure thing Denver's Best roofer
Speaker 5: Excel Roofing dot com. You don't pay a cent until
Speaker 5: you're content. Time for an insurance check up free, no
Speaker 5: obligation comparison call Compass Insurance. Pay too much your coverage
Speaker 5: at dozens of insurance companies find out now three oh
Speaker 5: three seven to seven to one help. You'll think you're
Speaker 5: his only customer when you choose Frank durand the real
Speaker 5: estate Man dot com to list your home with Remax
Speaker 5: Alliance three oh three nine two zero sixteen twenty two.
Speaker 14: Yeah, ripped.
Speaker 7: News.
Speaker 8: You don't have to.
Speaker 4: Anxious cam.
Speaker 3: No shooter's gonna help.
Speaker 11: Come man, This is.
Speaker 4: The Troubleshooter show, No Tom Martino, Hi.
Speaker 5: Tom Martino Your Troubleshooter three all three seven to one
Speaker 5: three talk seven one three eight two five five. You know,
Speaker 5: I've seen movies. I've had friends, neighbors failure to launch
Speaker 5: kids once in a while, kids who just stay home,
Speaker 5: they don't do much, kind of deadbeats. You want to
Speaker 5: you want to get them off their butts. You want
Speaker 5: them to go to work, you want them to do something. Hey,
Speaker 5: why don't you chip in around here? Do some chores?
Speaker 5: They say, leave me alone. You're always bugging me. Okay,
Speaker 5: parent kid thing, right, parent kid thing. So you say,
Speaker 5: one day, hey, Johnny, get your ass off the couch
Speaker 5: and get out of here, pack up and leave. I
Speaker 5: don't want you around anymore. Now, this is a kid,
Speaker 5: this is your son daughter, and he's twenty five and
Speaker 5: he's not working or at a kid four and she's
Speaker 5: what's that mark? Where do you define a kid? You
Speaker 5: just lost me in that well. I'm talking as an offspring.
Speaker 5: I'm talking off spring. Okay. You know obviously they're not
Speaker 5: kids anymore. Right, So you want them out, your deadbeat?
Speaker 5: Get out? The kid says, yeah, right, you got to
Speaker 5: evict me. Well, I'll tell you what I would do
Speaker 5: I had a victim on their ass. I don't know,
Speaker 5: but would I be in trouble. Brad O'Brien is our
Speaker 5: real estate expert. He's not going to give it off
Speaker 5: the cuff answer. He's not going to give a seat
Speaker 5: at the pants answer. He's going to look at it
Speaker 5: from a legal perspective. So, Brad, is this kid right
Speaker 5: when he tells his dad you can't get rid of
Speaker 5: me without an eviction?
Speaker 19: That's right? The son who's an adult over eighteen, eighteen
Speaker 19: or more is has tenant protection and he's entitled to
Speaker 19: do process.
Speaker 5: You know, if he's not, even if there's nothing in writing,
Speaker 5: even if they have no arrangement in writing, nothing he
Speaker 5: never paid a dime.
Speaker 19: You don't need to have a written lease to have
Speaker 19: a tendency. So it sounds like he has a tenancy
Speaker 19: at will. If there's never been a lease, he's never
Speaker 19: been responsible to pay rent. He's got a tendency at will. Okay,
Speaker 19: permitable pretty easily on a three day noticed the terminate tendency.
Speaker 19: So you're getting this three days.
Speaker 5: Okay, So explain this then, a tendancy? What did you
Speaker 5: call it, what kind of tendency?
Speaker 19: A tendency at will? It's not a month to month tenancy, okay,
Speaker 19: a year to year tendency, tendency at will, which is
Speaker 19: terminable really quick.
Speaker 5: So how do I terminate? How do I terminate a
Speaker 5: tendancy at will?
Speaker 19: Oh, there's actually a court form out there. It's available
Speaker 19: on the court website called notice the Terminate Tendency Form,
Speaker 19: and you check the box for is this a tendency
Speaker 19: at will? Yes, that's a three day notice. So you
Speaker 19: fill out this form, sign it if you're the lad
Speaker 19: lord or can ever being an attorney to it and
Speaker 19: give it to them, and then three days later they're
Speaker 19: supposed to get out. If they're not out at the
Speaker 19: end of the three days, then on day four the
Speaker 19: parents can file a court complaint for eviction.
Speaker 5: Now, can the father at the end of the three
Speaker 5: days just remove his stuff?
Speaker 19: No, that's self help and that's illegal. Self help will
Speaker 19: always get a upper unit or landlord in trouble.
Speaker 5: Okay. So then once they go to the court and
Speaker 5: the court says, now you have an order to evict, right, well.
Speaker 6: You file a complaint for eviction.
Speaker 19: That takes about a month or so to run his course,
Speaker 19: and then it ends up with a judgment for possession,
Speaker 19: and then ten days after that judgment for possession issues,
Speaker 19: then you can go to the court clerk and get
Speaker 19: what's called a writ of restitution. That's the piece of
Speaker 19: paper you take to the sheriff's office, and then the
Speaker 19: sheriff's schedules the actual physical eviction that they conduct. Atlantic
Speaker 19: not a title to like do their own addiction, change
Speaker 19: the locks or give them the boot.
Speaker 5: No, No, I know you're you're a big you know,
Speaker 5: you're a big b advocate of course, doing things legally,
Speaker 5: and you advise people all the time, and self help
Speaker 5: is scorned upon by the courts.
Speaker 19: Right, I'm sure it happens all the time. Parents given
Speaker 19: the boot, you know, no legal process.
Speaker 5: But let me ask you something. Let me ask you something.
Speaker 5: If this dad just kicked him in the ass out
Speaker 5: the door and change the locks, what would happen? Actually,
Speaker 5: if this kid goes and complains, what would happen? I mean,
Speaker 5: I mean, wouldn't you have to file a court case
Speaker 5: against his dad or something? Or how would that work?
Speaker 19: File a court complaints or wrongful eviction and you might
Speaker 19: get some damages which might be in the equivalent to
Speaker 19: alternative housing costs.
Speaker 5: Okay, have you ever had weird evictions like this where
Speaker 5: you had to evict a child?
Speaker 7: Yes?
Speaker 5: Or you know, an offspring?
Speaker 7: Yes?
Speaker 6: Children?
Speaker 19: Sure, other Brad.
Speaker 5: We have another question that just came up. By the way, John,
Speaker 5: don't go away yet, Keith, you have a question. Go ahead, Keith.
Speaker 6: Hey, Tom, with the new law that says you have
Speaker 6: to you can only evict with cause, how can there's
Speaker 6: if they don't have a lease, where what's.
Speaker 5: The cause you can evict them on?
Speaker 7: It seems like this kid is.
Speaker 5: So Brad does just cause? That's a good question. Brad,
Speaker 5: does just cause excuse me apply to tendancy at will?
Speaker 7: Yes?
Speaker 6: It does.
Speaker 19: But but okay, the just cause gantute applies when a
Speaker 19: tenant has been there for a year. Then you then
Speaker 19: the landlord has to have a good reason, like they
Speaker 19: want to sell or move back in, in order to not
Speaker 19: renew them. Now I understood in this case that the
Speaker 19: parents live in the same house.
Speaker 5: Right, Yeah, okay, that a just cost doesn't go there.
Speaker 19: That is an exemption from the just cost statue. If
Speaker 19: if a single family home or a dupe duplex or
Speaker 19: a triplex and the landlord lives in the same property,
Speaker 19: then that just cost statue.
Speaker 7: Does not apply.
Speaker 19: But they don't have to give a ninety day notice.
Speaker 19: Then the normal three day notice on a notice determined
Speaker 19: tendency will apply.
Speaker 5: Okay. Now we have a question from the peanut gallery
Speaker 5: over here, Deputy Boat, go ahead, Brian.
Speaker 13: I'm a landlord and I was told just recently this
Speaker 13: UH notice to vacate has been escalated or updated from
Speaker 13: a three day to a ten day Can you use
Speaker 13: a three day notice?
Speaker 19: That that's something different. The ten day notice came about
Speaker 19: over five years ago, and that's for non payment of rent.
Speaker 19: When you give a notice that they have to pay
Speaker 19: rent or get out, that used to be called a
Speaker 19: notice of notice to comply.
Speaker 12: I forget the name, but anyway, it used to be a.
Speaker 10: Three day notice.
Speaker 19: It was a bumped up to atten day on. But
Speaker 19: that's different. Here you can tendant terminating at tendency and
Speaker 19: will has nothing to do with payment of rent.
Speaker 11: It's a separate deal.
Speaker 5: Okay, okay, in a three days valid yeah, three day on,
Speaker 5: that one's valid. Okay. So we have a comment from
Speaker 5: Vicky Brad. We really appreciate your time. Brad, O'brienolslaw dot
Speaker 5: Com seventy zero three seven zero seventy three eighty eight. Vicky,
Speaker 5: what is your comment or question?
Speaker 8: I have a nephew who's disabled. He was in a
Speaker 8: car accident. He has his so his address has always
Speaker 8: been at his parents' house. He didn't always live there,
Speaker 8: but that was always his address. So after he had
Speaker 8: this accident, he was hit by a car and he
Speaker 8: went back to his parents' house once he got out
Speaker 8: of the hospital. He had three operations when he was there.
Speaker 10: And he has the epilepsy, and his.
Speaker 8: Father will not let him stay at the house. And
Speaker 8: he is disabled. He's not supposed to work, he's not
Speaker 8: supposed to drive. He can't even take the bus because
Speaker 8: of his epilepsy.
Speaker 5: Does okay? Well, I want to ask a few questions, Vicky. Vicky. First,
Speaker 5: let's ask some questions. How old is the nephew.
Speaker 10: He is fifty years old.
Speaker 5: And was he living there before the accident?
Speaker 8: No, he had his own place.
Speaker 5: Then he gets into an accident, becomes disabled and needs
Speaker 5: to go somewhere, And you want to know does he
Speaker 5: have any legal standing to make his biology logical? Father
Speaker 5: and mother take him in.
Speaker 8: Right, It's just his father, his mother died two years ago.
Speaker 8: He's a PLI for Social Security. He's applied for Social
Speaker 8: Security three times and it's never come through so that
Speaker 8: he could buy his own place to live. And his
Speaker 8: father is very mean to him. Like last summer he
Speaker 8: let him stay there for him to do all the
Speaker 8: yard work, and then when winter came along, he wouldn't
Speaker 8: let him stay there.
Speaker 12: He literally spent the winter on the street.
Speaker 8: And he is disable, Okay, and I don't know how
Speaker 8: to about.
Speaker 5: Them, Brad O'Brien. Well, well, sure, and my gut feeling
Speaker 5: is he doesn't have a standing a leg to stand on,
Speaker 5: and that's no pun intended. But let's talk about this,
Speaker 5: Brad O'Brien. If an adult male child or offspring of
Speaker 5: another person wants to live with him because he's disabled,
Speaker 5: does he have any way of finagling himself into his
Speaker 5: parents' home.
Speaker 19: Well, people with disability, you certainly do have fair housing
Speaker 19: rights to not be discriminated against. So a landlord can't
Speaker 19: pick an aple body person as a tenant versus UH
Speaker 19: qualified disabled person. But this is uh, this is a
Speaker 19: little bit different. This is talking about UH eviction and
Speaker 19: there's really nothing in the eviction statutes that gives leniency.
Speaker 5: First, well, no, he wasn't even evicted. He never he
Speaker 5: never actually lived there. He was in an accident and
Speaker 5: now wants to live there. The dad says, no, Now
Speaker 5: is he there? Now? Did he let him in for
Speaker 5: even a few days, VICKI, Or did he refuse to
Speaker 5: let him come at all?
Speaker 8: Well, he left him come once in a while last summer.
Speaker 8: He lived there all summer and then he woke up
Speaker 8: in the morning and his father accused him of poisoning
Speaker 8: his coffee, and he had a gun atake, and so
Speaker 8: my nephew, Vicky.
Speaker 5: So that's when this nephew would have had his most rights,
Speaker 5: is when he was living there, and and then he
Speaker 5: could have demanded that he go through the eviction process.
Speaker 5: But but remember this, when we say people need to
Speaker 5: go through the eviction process, that doesn't mean they get
Speaker 5: to stay. It means that they are going to be
Speaker 5: evicted unless there is something that denies the event, you know,
Speaker 5: you know, so, so it would just prolong it a little.
Speaker 5: So may I ask something, VICKI, was your what was
Speaker 5: your sister married to this guy? Is that the sister
Speaker 5: in law or nephew thing?
Speaker 12: No, it's my brother.
Speaker 5: Oh oh, oh, okay, so you're talking about your own
Speaker 5: brother here. Have you been able to talk to your
Speaker 5: brother saying give the guy a break?
Speaker 12: Yeah, I do.
Speaker 8: And that's when he led him in last summer. He
Speaker 8: led him in last summer. And and he just he
Speaker 8: does drugs. And if they both do drugs together, they
Speaker 8: get wild and stupid and fight. And I can't get
Speaker 8: my grand nest to quit doing drugs. He thinks he
Speaker 8: needs it for pain, and maybe he does sleep. Been
Speaker 8: in the streets, you know, a freezing to death.
Speaker 5: Oh my god, but VICKI have you ever thought about
Speaker 5: opening your home to your nephew.
Speaker 10: I don't live in my own home.
Speaker 8: I live in my male friend's home. And he doesn't
Speaker 8: want his problem.
Speaker 12: I thought, what're right for it?
Speaker 5: Logan, Oh, this is terrible. Well, Brad O'Brien, though, really,
Speaker 5: he can't go back to last summer, saying you got
Speaker 5: rid of me the wrong.
Speaker 19: Way, right, no determinancy, That tendency is terminated, so he.
Speaker 10: Really has no right to go back in now.
Speaker 5: Okay, we got to take a break. I'm Tom Martine
Speaker 5: three or three seven one three talks seven one three
Speaker 5: eight two five five Denverregien dot com. You know Mark's
Speaker 5: losing weight on it. They also do stem cell therapy
Speaker 5: for pain and it really works Denver Regen dot com.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 5: troubleshooter three O three seven one three talks seven one
Speaker 5: three eight two five to five. Quite some comments on
Speaker 5: this eviction thing and Vicky, Uh, let's see. Vicky was
Speaker 5: of course the one where her nephew's disabled. Wants to
Speaker 5: know there's any if there's any legal rights. So Vicky,
Speaker 5: just to finish this up. There's nothing you could do
Speaker 5: with your brother to make him take in his son.
Speaker 5: I mean, you know, the son's fifty years old. And
Speaker 5: they both do drugs. It sounds like the fruit didn't
Speaker 5: fall far from that tree and they're both just screwed up.
Speaker 5: I mean, I really feel bad for you that you
Speaker 5: have to observe this and it bothers you, but there's
Speaker 5: not much you can do.
Speaker 10: Okay, thank you, all right, thank.
Speaker 5: You, Vicky. What were you gonna say?
Speaker 4: Bo?
Speaker 13: He was going to suggest to Vicky, I feel for
Speaker 13: her problem with the nephew, and I was going to
Speaker 13: suggest that you contact Fort Logan Mental Health Center.
Speaker 5: Yeah, but what if they don't do interventions for God's
Speaker 5: says no.
Speaker 16: But you could sign him up, try to get him a.
Speaker 5: Bed there, but he may not want to go.
Speaker 16: Well, you're right, Tommy, he has to have me.
Speaker 7: Yeah.
Speaker 5: People want to need help. Excuse me. People want to
Speaker 5: must want the help. I should say, Hey, John, so
Speaker 5: on that original eviction question, you understand the problem now
Speaker 5: right that that your friend is going to have to
Speaker 5: go through the process.
Speaker 7: I understand, Thank you.
Speaker 18: I just wanted John, right, Yeah, I just want to
Speaker 18: make sure I got that.
Speaker 5: But remember this, Yeah, here's the process. I want to
Speaker 5: review that. He's got to get this three day notice, okay,
Speaker 5: and then it's either it's either vacate or comply, and
Speaker 5: he doesn't want to comply. He just wants in the vacate.
Speaker 5: And then if he doesn't leave that that notice goes.
Speaker 5: I would I would hand it to him, or I'd
Speaker 5: put it on his bedroom door and take a picture
Speaker 5: of it. Okay, that's what I would do. I'm not
Speaker 5: giving you legal advice here. The other thing is after that,
Speaker 5: if he doesn't leave in that three days and and
Speaker 5: and the reason could be I want my house back,
Speaker 5: you know, I just I want to live alone. He
Speaker 5: doesn't have to give a lot, he doesn't have to
Speaker 5: give a real just cause reason because they're exempt from it.
Speaker 5: So so what he says is because he is a
Speaker 5: tendency at will in his own residence, he's not required
Speaker 5: to give a just cause. He can just say I
Speaker 5: want to be alone and put it on there. And
Speaker 5: if he doesn't leave, if he doesn't leave in that
Speaker 5: three days, then he must go back to court to
Speaker 5: get that writ of.
Speaker 16: Eviction.
Speaker 5: Yeah but okay, and restitution means taking your property back,
Speaker 5: getting him at the hell out of there, So you
Speaker 5: may want to consult an attorney about it. I mean,
Speaker 5: if this kid's going to give his dad trouble.
Speaker 18: Yeah, I think we can handle it. But is that
Speaker 18: three you know something we can write on a piece
Speaker 18: of paper or is that a form I need to download?
Speaker 5: I that's the part I don't know. I believe I
Speaker 5: would use a form. You use a form? Okay, all right,
Speaker 5: thank you, John. I hope that helped you. And that
Speaker 5: was okay, And Kenny has a question now on insurance.
Speaker 5: Go ahead, Kenny, what's going on with you?
Speaker 7: Hey? Tom? This is for Southern California Pipe Traders Associate Association,
Speaker 7: the admin side, the administrator's side. I was contacted back
Speaker 7: in January that my brother was an employee of there
Speaker 7: is and he passed away in Las Vegas, Nevada at
Speaker 7: sixty seven. I get the phone call, I get the letters,
Speaker 7: and I had it proved next to kinship to prove
Speaker 7: that I was young. Yeah, and to get the beneficiary payout.
Speaker 5: Okay, are you named as a Wait? Wait, Kenny, Kenny, Kenny,
Speaker 5: are you named as the beneficiary?
Speaker 7: Guess? Me and my younger brother, Dollard, we were both
Speaker 7: on the form.
Speaker 5: And you both have to do the same thing for
Speaker 5: this California company.
Speaker 7: Correct. I fulfilled my party obligation, my younger brother. They
Speaker 7: got a hold of him and he told him I
Speaker 7: don't want nothing to do with it, basically f off right,
Speaker 7: So that's wait.
Speaker 5: Wait a minute, So does that mean what he should
Speaker 5: do with Kenny? What he should do is assign his
Speaker 5: band you, so they will give it all to you,
Speaker 5: because if he doesn't, I fear they're going to withhold
Speaker 5: half of it.
Speaker 7: Correct, they're going to withhold all of it?
Speaker 5: Well wait, wait, wait, why would they withhold? But why
Speaker 5: would they withhold all of it if you're willing?
Speaker 7: Because I to comply, yes, and I proved my kingship,
Speaker 7: but went out to the next department. And now they
Speaker 7: sit there and say they I gotta get his birth certificate,
Speaker 7: which I can get that on a Los Angeles on
Speaker 7: the vital records. I understand that. But because he's living,
Speaker 7: he has to shine off, saying he just wants to
Speaker 7: wave down.
Speaker 5: Oh okay, Kenny. I have a very simple question, very
Speaker 5: simple question. You and your brother do you get along?
Speaker 5: Will he sign over his rights to you?
Speaker 7: I'm spoken German forty years why we disintegrated typical American family?
Speaker 5: How much money are we talking about in this account?
Speaker 7: They will not disclose anything to me. First it with
Speaker 7: a life insurance policy. Now it's what was he has
Speaker 7: drawing retirement and I had a highlighted in yellow on
Speaker 7: the forums retirement. So at one department I submitted all
Speaker 7: the correct information. He said, I'll the benefits, the payout.
Speaker 7: People will get in touch with you. The next following
Speaker 7: day I receive a letter thing afid David no rise.
Speaker 7: I got to have his birth certificate. He's got to
Speaker 7: sign this statement. You don't want nothing to do with it.
Speaker 7: And I can't do any part about that. And they
Speaker 7: sit there and say without him waiving it, they will
Speaker 7: go anywhere. Sit in the back room in the file.
Speaker 5: All right, I'll tell you what we're going to do.
Speaker 5: You hang on. We're going to get Brad O'Brien on. No,
Speaker 5: not not Brad, sorry, Brad's real estate. We're gonna get
Speaker 5: let's see who do I want on? I want our
Speaker 5: state planning attorney on. So we'll get Dan McKenzie on. Okay,
Speaker 5: So hang on and we'll do that. Three oh three
Speaker 5: seven to one three talk. We have a question on
Speaker 5: being a beneficiary and what if the other beneficiary says
Speaker 5: I don't want it? Why can't you get yours. We'll
Speaker 5: talk about that and more coming up on the Troubleshooter Show.
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Speaker 5: an insurance check up free no obligation comparison call Compass
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Speaker 5: companies find out now three all three seven to seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the Real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino here
Speaker 5: three O three seven one three talks seven one three
Speaker 5: eight two five five all right, Kenny's got a question
Speaker 5: on insurance life insurance. I believe he said he was
Speaker 5: contacted by his UH by a company who said his brother,
Speaker 5: you know, is deceased, work there and he's a benefit.
Speaker 5: The company said he and another brother are beneficiaries, but
Speaker 5: unless they both agree, they won't disperse the funds. I
Speaker 5: don't understand that at all. Now, do we have Brad?
Speaker 5: Did you get Dan McKenzie Kachina? It's probably going to
Speaker 5: be after the top of the hour, okay, So what
Speaker 5: we may do then, Kenny, I'm going to get you
Speaker 5: an attorney. Okay. So what we'll probably do right now
Speaker 5: is put this on hold and call you right back. Okay.
Speaker 5: But I want to ask a couple of questions, Kenny.
Speaker 5: Did you even bother to ask that brother about signing
Speaker 5: over his interests?
Speaker 7: No, I did not, because this just came to my
Speaker 7: attention yesterday. At first it was they sent him a
Speaker 7: couple of letters and he fled out, told him I
Speaker 7: will have nothing to do with it. So they set
Speaker 7: out to so many attempts, will just write it off.
Speaker 7: That was the main claim to exam Romeo or Rashiano.
Speaker 5: Now, but do you have any idea. Do you have
Speaker 5: any idea? Why do you have any idea? Why he
Speaker 5: doesn't want his share of the retirement account? I mean,
Speaker 5: my goodness, I mean why is he independently wealthy? Do
Speaker 5: you know anything about him?
Speaker 7: No? I do not, but I just know that's his personality.
Speaker 5: And so where is he in birth order? According along
Speaker 5: with you. I'm just curious about the dynamics here. We
Speaker 5: may try to reach out to him for you and
Speaker 5: just say, look, there's no reason to leave money on
Speaker 5: the table. You can have your half, or you can
Speaker 5: just sign it over to Kenny. What do you think
Speaker 5: he tell us to go to hell?
Speaker 7: You're more than welcome to tribe. Very likely. Yes, So
Speaker 7: in order to.
Speaker 5: Be how how old is this? How old is this
Speaker 5: other brother? You're the one who's being.
Speaker 7: A sixty four, I'm sixty five, the one passed away
Speaker 7: with sixty seven. I'm the middle child.
Speaker 5: Okay, so your brother, you wouldn't mind us taking a
Speaker 5: stab at calling your brother saying look, you know we're
Speaker 5: not trying to force you to take the money, but
Speaker 5: why wouldn't you Is it possible that there could be
Speaker 5: a couple hundred grand in that retirement account?
Speaker 7: You know, I had no idea they would not disclose
Speaker 7: any information to me at all, even though I fulfill
Speaker 7: my part obligation proving that.
Speaker 5: But what I don't understand, and this is what we're
Speaker 5: going to ask Dad Mackenzie, I don't understand why they
Speaker 5: withhold the whole thing. Did they give you an explanation
Speaker 5: for that? Why would they withhold the entire account if
Speaker 5: just one brother is refusing, if there's two people on
Speaker 5: the account, why don't they dole it out half to
Speaker 5: you and if anything, keep the other half. Why wouldn't
Speaker 5: they do that?
Speaker 7: That's a very good question, Tom.
Speaker 5: Did you ask them?
Speaker 7: Yes? I did, and they said, unless we get disclosure,
Speaker 7: this this birth certificate, which I can get from Bottle Records,
Speaker 7: but unless we get him to sign it off, it
Speaker 7: goes in the back room and it sits there. These people.
Speaker 7: I've never seen such vague information. When somebody passes away.
Speaker 7: It's like a rabbit hole you go down, you know,
Speaker 7: to prove.
Speaker 5: That's because you guys, Well, that's because you guys didn't
Speaker 5: communicate you like normal families would have more communication amongst themselves,
Speaker 5: And I think you guys never talked to any like
Speaker 5: the three of you were totally separated or did you
Speaker 5: talk to your older brother?
Speaker 7: No? No, this the last last time I saw them
Speaker 7: communicated was nineteen eighty and show and hope put some
Speaker 7: hope help.
Speaker 5: Okay, I'll tell you what we're gonna do. This is
Speaker 5: our plan. We're going to first get our attorney on
Speaker 5: Dan Mackenzie. Then we're going to reach out to your brother.
Speaker 5: What the hell, I'll bet you, I'll bet you among
Speaker 5: us there's one who can get through to your brother,
Speaker 5: you know, and just you know, just like saying, look, man,
Speaker 5: we understand you know, family dynamics and all that. All
Speaker 5: we're trying to do is not let this money go
Speaker 5: to the state. So either take your half or sign
Speaker 5: it over to your other brother. Would you would feel
Speaker 5: comfortable doing that? Bow Bo? Have you ever talked to
Speaker 5: people on touchy situations?
Speaker 7: Yes?
Speaker 13: I got family. My family's good. But I've done similar situations.
Speaker 13: I'd be happy to call.
Speaker 7: Yeah.
Speaker 5: First we're going to talk to the attorney and then
Speaker 5: we'll reach out to your brother. You have his contact information,
Speaker 5: I assume, right.
Speaker 6: Kenny, No, I don't.
Speaker 7: But Rome or Final does for the pipefitters.
Speaker 5: The pipe Oh oh, can you get it? Do you think,
Speaker 5: can you get your brother's contact.
Speaker 7: He has it, Yes, he has it on his I know.
Speaker 5: But I need you to get it because we don't
Speaker 5: have standing to ask some pipefitters Union to give us
Speaker 5: your brother's contact information. You do have standing, you're a brother.
Speaker 5: You can call and say, may I have information to
Speaker 5: get a hold of my brother so I can straighten
Speaker 5: this out? So why don't you do that for us
Speaker 5: because we're going to need it. Thank you very much
Speaker 5: three zero three seven one three talk seven one three
Speaker 5: eight two five five. We have more coming up on
Speaker 5: the Troubleshooter Show, So stick around. Go with a sure
Speaker 5: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 5: pay a cent until you're content. Time for an insurance
Speaker 5: check up, freegation comparison call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three all three seven to seven to one help. You'll
Speaker 5: think you're his only customer when you choose Frank durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three all three nine two zero sixteen
Speaker 5: twenty two. Hello Tom Martino here at three O three
Speaker 5: seven one three talks seven one three, eight two five five?
Speaker 5: What's going on in your life? What can we do
Speaker 5: to help you? All you have to do is call.
Speaker 5: Now we're awaiting our our expert on wills and probate
Speaker 5: and all of that to find out what do you
Speaker 5: do when you're a beneficiary and uh, the other beneficiary
Speaker 5: doesn't want to comply, So the place says we're keeping
Speaker 5: the whole retirement account. So eventually I think he goes
Speaker 5: to a sheet funds. I'm not really sure, but that's
Speaker 5: what we're going to ask our expert. All right, did
Speaker 5: you see asking people? What they did?
Speaker 7: You see?
Speaker 12: What?
Speaker 7: Oh?
Speaker 10: Go ahead?
Speaker 17: What the insurance company sent over to that guy we
Speaker 17: had on first Hour. I talked to him a couple
Speaker 17: of weeks ago, and it was basically verbatim. You and
Speaker 17: I had the same conversation with him. He only had
Speaker 17: twenty five thousand dollars in insurance, he caused an accident.
Speaker 17: He's got over a million dollars in assets. If you
Speaker 17: look at the questions this insurance company is asking him
Speaker 17: to answer, it is absolutely insane.
Speaker 5: Anybody in their right mind.
Speaker 17: He basically agrees to one hundred percent at fault and
Speaker 17: he knows he caused serious damages to her.
Speaker 5: It's crazy, all right, here's the affidavit. Here's the affidavit,
Speaker 5: affidavit of Danny So and So liability insurance coverage. This
Speaker 5: affidavit is provided under oath and penalty of purchaser perjury.
Speaker 5: So they're asking him to sign one or all of them. Mark,
Speaker 5: do you know.
Speaker 17: Well it looks like you actually put you put a
Speaker 17: checkbox next to him.
Speaker 5: But listen to this. I am aware that as a
Speaker 5: result of.
Speaker 17: This accident, blah blah alleges she suffered serious.
Speaker 5: Injuries and has made claims against me. Okay. Now here's
Speaker 5: the deal at the and it also says at the time,
Speaker 5: these are things they want him to agree to. First,
Speaker 5: who he is and where he lives, and that he
Speaker 5: was involved in an accident on this date. Okay, Then
Speaker 5: they want him to agree to at the time of
Speaker 5: the accident, I was driving this car, you know they
Speaker 5: name it, and I was the owner of Okay, So
Speaker 5: two of those they're not bad. They can prove those.
Speaker 5: The third one, I'm aware as a result of the
Speaker 5: accident that this woman had all of these major injuries,
Speaker 5: and I understand my signature on this document does not
Speaker 5: constitute an admission nor agreement that I was at fault. Okay,
Speaker 5: it's just asking you to acknowledge she had serious injury.
Speaker 5: I wouldn't do that. Then they're saying, at the time
Speaker 5: of the accident, there was an automobile insurance policy from
Speaker 5: State farm for and it said was twenty five thousand
Speaker 5: per person, fifty thousand per accident. I understand that this
Speaker 5: means that the most can be paid to one person
Speaker 5: is twenty five thousand. Well, actually, Mark, it isn't as terrible,
Speaker 5: you know, some of it is, it says, and then
Speaker 5: they get I never sign this. I'm not telling him
Speaker 5: to sign it, but I'm telling you these all of
Speaker 5: these statements, every one of them is going to be
Speaker 5: able to be easily stated and proved in the courts.
Speaker 5: They're just asking him to do it so they don't
Speaker 5: have to go through it. But you're right, I wouldn't
Speaker 5: sign it either. You never do anything voluntarily. Then it
Speaker 5: says I Danny had no other automobile or liability insurance
Speaker 5: umbrella or whatever. And then it says there are no
Speaker 5: relatives in my household who has any liability insurance coverage
Speaker 5: is blah blah blah, because what they're trying to do
Speaker 5: is find where they can get more money. And then
Speaker 5: it says there are no other liability insurance policies blah
Speaker 5: blah blah. My driving at the time was not was
Speaker 5: not undertaken for the benefit of any person, because they
Speaker 5: want to know was he working for anyone. Then it says,
Speaker 5: I understand that this information being supplied can be relied
Speaker 5: on by so and so and her attorney. So basically
Speaker 5: it says and that her injuries, you know, I understand
Speaker 5: they were serious injuries. Blah blah blah what they're asking
Speaker 5: this guy. And then it says and that it says,
Speaker 5: I understand this decision will be in part based on
Speaker 5: my representation that this is the only insurance available. They
Speaker 5: want to make sure there's nothing else to get insurance wise, Well,
Speaker 5: they knew him personally, but.
Speaker 17: Then they go into personal property, real estate, automobiles, cash in.
Speaker 5: The bags, right, They're gonna come after They're going to
Speaker 5: come after him, no doubt.
Speaker 17: Why would you, I guess all I'm saying is, why
Speaker 17: would anybody in their right mind lunteer this information?
Speaker 5: Go with a sure thing? Denver's best roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're content,
Speaker 5: wait time for an insurance check up free, no obligation.
Speaker 5: In comparison, call Compass Insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three all
Speaker 5: three seven seven one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two.
Speaker 4: Rip of.
Speaker 3: News who you don't have, run as fast as you can.
Speaker 3: Shooter's gonna help.
Speaker 8: Come man.
Speaker 4: This is the Troubleshooter Show.
Speaker 5: No Tom Martino, Hey Tom Martina.
Speaker 7: Here.
Speaker 5: This is the Troubleshooter Show where we're solving problems, answering questions,
Speaker 5: taking complaints and making your life just a little easier.
Speaker 5: And on the table today we have a number of
Speaker 5: different topics that are very interesting. First, we're asking people
Speaker 5: for their passion, their pastime. What do they do, what
Speaker 5: do they love doing, and how does it how is
Speaker 5: it as a value to them? And we had one
Speaker 5: We started off with rocket launching. The setup is about
Speaker 5: two hundred bucks and then about forty dollars per rocket
Speaker 5: for the two foot rocket, and then Deputy dogs that
Speaker 5: he likes playing poker. Now, I've had a lot of
Speaker 5: other people talking about their passion by text, and I'm
Speaker 5: going to it right now. One said that they love
Speaker 5: traveling in their camper van, biking and hiking. Some people
Speaker 5: say they love mountain biking now that there are e bikes,
Speaker 5: so they get the assistan since they need. Then someone
Speaker 5: said they enjoy picking up trash, and that brought up
Speaker 5: a topic. So I don't want to get too specific
Speaker 5: because he probably listens to my show, but I'm just
Speaker 5: gonna say it. There's a very wonderful man in our
Speaker 5: neighborhood who is literally out in the alley, the trash alley,
Speaker 5: you know, in the garage alley these a lot of
Speaker 5: these Denver homes have alleys behind him. And where we are,
Speaker 5: we have this setup where in the back of the
Speaker 5: trash cans in the alley along with your garage entrances,
Speaker 5: and the front faces the street. And I swear to God,
Speaker 5: he is out there eighty percent of the time that
Speaker 5: we look. And what he's doing is he's walking up
Speaker 5: and down, straightening out the trash cans, closing the lids,
Speaker 5: taking recyclables out of one, putting it in the recyclables,
Speaker 5: and then taking the compos out. And he's sorting the trash. Now,
Speaker 5: I thought, well, he's sorting the trash, you know, a
Speaker 5: one time thing. Then I see it again and again,
Speaker 5: and I go out there at nine o'clock in the
Speaker 5: evening to empty a trash thing and I see him
Speaker 5: out there with a flashlight doing the same thing. It
Speaker 5: got to be almost a joke with my wife and I.
Speaker 5: He's out there doing the trash again, and I started
Speaker 5: looking it up. There is actually a condition, and I
Speaker 5: think it comes from the Spanish word basophobia and Basso's
Speaker 5: trash right in. I think it is. It's trash anyway,
Speaker 5: it's fear of I don't know. It's an impulsive condition
Speaker 5: about trash, sorting trash. It's part of an OCD condition,
Speaker 5: and it gives people the need to sort and make
Speaker 5: their trash acceptable because they fear disorganization of trash. It
Speaker 5: kind of freaks them out.
Speaker 14: Hey, I can get them a job at a recycling company.
Speaker 5: Oh, you're in the recycling business now. Any of people
Speaker 5: whose job it is I've often wondered when it comes
Speaker 5: to recycling anyway. I joke about the guy, but I
Speaker 5: have looked and it's amazing what people put in recycling
Speaker 5: that they think are going to be Like an old toaster,
Speaker 5: is that recyclable?
Speaker 7: No?
Speaker 14: An old toaster?
Speaker 7: No?
Speaker 14: No?
Speaker 5: What then what happens? What happens with a recycled bin?
Speaker 5: Because I'm going to venture to say eighty percent of
Speaker 5: everything they collect is non recyclable. What would you think
Speaker 5: you're in the business.
Speaker 2: Yeah, I think you know. Denver does publish those statistics,
Speaker 2: and from what I've from what I've observed, this about
Speaker 2: thirty to forty percent is going to be garbage.
Speaker 14: However, do they.
Speaker 5: Take it out? Do we still get the benefit of
Speaker 5: recycling for the little stuff that's in there that it
Speaker 5: really is recyclable?
Speaker 2: A few of the things, so number one and number
Speaker 2: two plastics really are recovered and recarp So what.
Speaker 5: I'm asking you is, does the trash ever get so
Speaker 5: mixed and so complicated they throw the whole bin away?
Speaker 2: Oh you mean recycling that trash? Oh yeah, that's why.
Speaker 2: That's why there's such a huge rejection rate that recycling plan.
Speaker 5: So they don't empty my recycle bin and take the
Speaker 5: stuff out that's bad and keep the stuff that's recyclable in.
Speaker 2: It's correct, it's a it's a much more of a
Speaker 2: broad swipe. So all that stuff gets mixed up in
Speaker 2: the truck. The truck dumps onto a gi enormous conveyor belt,
Speaker 2: and so when the people along this conveyor belt see
Speaker 2: a bunch of garbage mixed into the recyclables, they're not
Speaker 2: going to pick stuff out. They just throw it out,
Speaker 2: push that entire section off the conveyor into a waste.
Speaker 5: Even if there's a few plastic bottles they can pick.
Speaker 2: Out, yeah, because it makes absolutely no economic sense to
Speaker 2: go through it and pick out them.
Speaker 5: So on that conveyor belt they pick out just the
Speaker 5: obvious recyclables that are pretty isolated.
Speaker 2: Well, what they pick out is the contamination from the
Speaker 2: section of the conveyor belt that has very little contamination,
Speaker 2: So they'll pick out that.
Speaker 5: What's the contamination stuff that's not recycling.
Speaker 14: So like that toaster you mentioned, or the styrofoam.
Speaker 5: Yes, the styrophone. By the way, I actually got a
Speaker 5: big note with a big magic marker they marked on
Speaker 5: my recyclable lid. No, no, I read it. Yeah, you did.
Speaker 7: See it.
Speaker 5: Yes, yes, I'm telling the truth. Why because I used
Speaker 5: to get Amazon and I get not used to I
Speaker 5: get Amazon and they have a lot of styrophom. I'd
Speaker 5: break it up and put it in the recyclable I
Speaker 5: thought styrophone recyclable.
Speaker 2: No, well, technically almost everything is recyclable, but styrofoam was
Speaker 2: not recycled here in Denver or any other curb side
Speaker 2: program I'm aware of, because it's so uneconomical. There is
Speaker 2: a place in Calder Springs that manufactures styrofoam, and they
Speaker 2: will accept your styrofoam for recycling, but you have to
Speaker 2: drive it over there to them.
Speaker 14: Does that answer the question?
Speaker 2: So the best thing that people who really care about recycling,
Speaker 2: the best thing for them to do is just make
Speaker 2: sure don't throw things that you don't get too optimistic.
Speaker 2: Don't throw the styrofoam, don't throw in the toast, or
Speaker 2: don't throw in like the yogurt tubs and stuff like that,
Speaker 2: hoping they'll be recycled, because what's gonna happen is you're
Speaker 2: going to contaminate a bunch of other actual recyclable stuff
Speaker 2: and it will all get thrown away.
Speaker 7: Hey.
Speaker 17: Hey, if you dimitri if you take out the uh,
Speaker 17: I don't know, if you take out the greenness of it.
Speaker 17: Is there any economic reason to recycle plastic?
Speaker 5: Good question.
Speaker 2: Yeah, the two plastics I mentioned number one and number two,
Speaker 2: the recycling company might get a nickel, maybe.
Speaker 14: A dime a pound.
Speaker 2: Aluminum cans are worth about a buck a pound, tintable.
Speaker 5: But what Mark is asking is is it economically feasible
Speaker 5: to use recycling materials as opposed to fresh plastics? In
Speaker 5: other words, the companies saved by using recyclable materials.
Speaker 14: You mean the manufacturers. I thought he was asking about it.
Speaker 14: What I'm saying is make money.
Speaker 5: What I'm saying is, I don't know. Were you asking
Speaker 5: recycling people make money? Mark? Or if it's economically feasible
Speaker 5: to reuse that recyclable stuff in manufacturing?
Speaker 7: Yeah.
Speaker 17: If you take out you know, we don't want to
Speaker 17: kill the dolphins and all that stuff. Isn't it cheaper
Speaker 17: just to use or make plastic compared to recycling it?
Speaker 17: Then make plastic out of it.
Speaker 2: Well, with the exception of number one and number two,
Speaker 2: You're absolutely correct. Number one would be like your soda bottles,
Speaker 2: your water bottles.
Speaker 14: Number two way.
Speaker 5: Less energy to recycle and use it than to do
Speaker 5: fresh just.
Speaker 14: With those two.
Speaker 2: Yeah, right, now, where my company makes money is we
Speaker 2: specialize in cardboard recycling.
Speaker 14: That is very profitable.
Speaker 5: How is that recycled? Is that broken down and shredded.
Speaker 14: Or what it goes to?
Speaker 2: So it gets you know, the cardboard gets bailed up,
Speaker 2: we pick it up, we ship it off to paper.
Speaker 5: What is actually done with that is melted or melted.
Speaker 2: Cardboard goes into a giant machine called a hydropulper, like
Speaker 2: a huge, three story tall blender, and it shops with
Speaker 2: hot water and it's got blades just like a blender.
Speaker 2: They add chemicals to de ink it. They had chemicals
Speaker 2: to remove the glue, and basically.
Speaker 14: You end up with a slurry of hot water and fiber.
Speaker 2: And so it's extremely economical to make cardboard out of
Speaker 2: cardboard as opposed.
Speaker 5: To cardboard out of fresh materials.
Speaker 7: Right.
Speaker 14: Yeah, it's called wood pulp. Right, So card.
Speaker 5: Say it literally saves trees.
Speaker 2: Well yeah, it's not the trees you're thinking of, Like,
Speaker 2: they don't chop down the redwoods to make cardboard.
Speaker 5: Bind they're more like but it does, say.
Speaker 14: It absolutely does.
Speaker 2: Cardboard is absolutely legitimate aluminum cans and tin cans. That's
Speaker 2: absolutely an economically legitimate thing to recycle.
Speaker 5: And plastics two plastics, yeah, two plastics, but you know,
Speaker 5: not plastic, no like the you.
Speaker 14: Know, the streat that kind of stuff.
Speaker 2: So there's only one other type of plastic actually that
Speaker 2: is very recyclable, and it's stretch wrap. Now, we consumers
Speaker 2: don't generate it. But if you've seen like good.
Speaker 5: Boat good or big boats that they put up for
Speaker 5: the winter, not that oh I thought you.
Speaker 2: Were the when they ship palate loads of goods, they're
Speaker 2: they're wrapped in this car. What I'm talking about, well,
Speaker 2: notes actually technically called stretch wrap, and we send that
Speaker 2: off to a company called Treks and they make plastic lumber.
Speaker 14: Out of it.
Speaker 2: That's actually pretty valuable stuff. Another dime to twenty cents something.
Speaker 5: Now I do have Dan mackenzie, and I'm gonna take
Speaker 5: a break. I want to give Dan plenty of time.
Speaker 5: He is our estate planning attorney expert. And this is
Speaker 5: a very odd question, but it's a good one. What
Speaker 5: happens when you're a you're a beneficiary on something and
Speaker 5: the other beneficiary is not cooperating, so they say the
Speaker 5: hell with both of you. We'll talk about that and
Speaker 5: more coming up on the Troubleshooter Show. Three oh three
Speaker 5: seven one three eight two five five. Go with a
Speaker 5: sure thing Denver's best roofer Excel Roofing dot com. You'll
Speaker 5: pay a cent until you're content. Time for an insurance
Speaker 5: checkup free, no obligation comparison call Compass Insurance paying too
Speaker 5: much your coverage at dozens of insurance companies find out
Speaker 5: now three oh three seven to seven to one. Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the Real estate Man dot com to list your
Speaker 5: home with Remax Alliance. Three oh three nine two zero
Speaker 5: sixteen twenty two. Hey Tom Martino here three o three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: I'm gonna bring up Dan McKenzie right now. McKenzie Law
Speaker 5: coplans dot Co. He does a state planning probate if
Speaker 5: you're facing probate, avoiding probate if you're looking to probate,
Speaker 5: to avoid wills, simple wills, complicated wills, trusts, and other
Speaker 5: creative means to deal with your estate and estate planning
Speaker 5: eight three three co plans Now, Dan, this is an
Speaker 5: odd one. So there are three brothers. They're all estranged
Speaker 5: from each other. One of them dies. He was working
Speaker 5: for a company and had a retirement plan, and he
Speaker 5: left his two other estranged brothers as beneficiaries. The company
Speaker 5: in California contacts the beneficiaries and says, we need this
Speaker 5: much information to establish who you are. Larry, no way,
Speaker 5: excuse me. It's Kenny, right, Kenny, who's here? Kenny complies,
Speaker 5: and Kenny answers all of the questions and establishes that
Speaker 5: he is indeed one of the beneficiaries. The other brother says,
Speaker 5: f you, I want nothing to do with this and
Speaker 5: won't answer any questions. So Kenny says, I want my
Speaker 5: shit of the retirement plan, and the California company says, oh, contraire,
Speaker 5: We're not paying you a dime, and unless both of
Speaker 5: you comply, it's going nowhere. What do you think about that,
Speaker 5: Dan McKenzie, Man.
Speaker 20: It doesn't sound right. I mean it's they're two independent people.
Speaker 20: They have two separate shares. Usually what happens is a
Speaker 20: retirement account, an inherited retirement account gets set up reach
Speaker 20: the participants. They each get their money separately, and they
Speaker 20: do what they want with it. I mean, I don't
Speaker 20: know why one would be tied to the other.
Speaker 5: Larry, did they give you a reason? Did you actually
Speaker 5: get a reason? I'm not Larry, Not Larry, I'm sorry,
Speaker 5: it's Kenny. Larry has another question. Kenny is the one
Speaker 5: from the estate. Go ahead, Kenny, Sorry for the confusion.
Speaker 7: Yes, I just got a COPU call from Romeo Rassino.
Speaker 7: I got my brother's phone number. He said he needs
Speaker 7: this address dated Wirth SS number, which is no way
Speaker 7: going to give out that as to comply.
Speaker 5: He Kenny, Kenny, you know awhere did they say why?
Speaker 5: Did they say why they would not give you your
Speaker 5: half of the account?
Speaker 7: Yes, they have a procedure they have to follow.
Speaker 5: And they said unless both heirs comply. What did they
Speaker 5: say they would do with the money?
Speaker 7: They started to go in the back office and some
Speaker 7: wherever storage area and that will be the end of
Speaker 7: it until they get their information.
Speaker 5: I think you need to hire an attorney.
Speaker 20: Probably in Kelter, the company located.
Speaker 7: You know, when I don't know the tiring attorneys. You know,
Speaker 7: I I did everything well. Then they told me what
Speaker 7: I could apply to or give me the information and
Speaker 7: they turned around. The next letter after saying the amount
Speaker 7: is being calculated to turn around the next day, I
Speaker 7: get a letter saying, affidaily, we need your brother's information.
Speaker 7: We need his birth certificate. I supplied my first figure,
Speaker 7: my brother's first theory, my brother's death certificate, all information's
Speaker 7: original conversation was about, and then he went ahead and
Speaker 7: added a whole nother anny.
Speaker 5: I get it, I get it. You don't have information
Speaker 5: on your other brother, and I don't know why they
Speaker 5: need that information to distribute your part of the retirement account.
Speaker 5: And I think it's horsecrap, and I think you need
Speaker 5: to hire an attorney to write them a letter. Can
Speaker 5: you think of any circumstance Dan, where co benefit in
Speaker 5: trees are held to each other.
Speaker 19: I can't.
Speaker 20: The only thing I can think of is if he
Speaker 20: said something like to my brothers and like they're not
Speaker 20: sure who that includes and they're trying to confirm that,
Speaker 20: or something vaguer than naming them if you name them
Speaker 20: by name, and said these are my brothers and they're
Speaker 20: the beneficiaries, I just I don't think. I mean, I
Speaker 20: think to understand that this is a contract that your
Speaker 20: deceased brother had with them, and so like seeing that document,
Speaker 20: like whatever their governing document is, it would be Yeah.
Speaker 5: Kenny, I have a question, was there in a state
Speaker 5: opened for your brother, approbate proceeding or anything? He did
Speaker 5: he have a will? And did he name any personal
Speaker 5: representatives any of that.
Speaker 7: That's kind of funny you say that because when he
Speaker 7: went to the hospice of the final basaport, you only
Speaker 7: has to be mentioned by younger brother's name because he
Speaker 7: was sick of no stop going very well. And they said,
Speaker 7: because you only even mentioned his name, that's all that
Speaker 7: that person, that's the contact, and I cannot do anything
Speaker 7: I should. I just learned about this.
Speaker 5: Was a probate opened. Did your younger brother open a probate?
Speaker 5: It seems like if he didn't want anything to do
Speaker 5: with the retirement funds, he's not going to open a probate.
Speaker 7: Oh he did not.
Speaker 5: Does your brother have anything other than the retirement account,
Speaker 5: the one that's deceased. Did he have a home? Did
Speaker 5: he have automobiles?
Speaker 7: I have no idea, Kenny.
Speaker 5: You understand that if the younger brother, it doesn't matter
Speaker 5: if the younger brother was mentioned or not. You have
Speaker 5: a right right now if no one else did it
Speaker 5: to open up probate. See, here's what I would do
Speaker 5: if I were you. I can't tell I can't force you.
Speaker 5: Here's what I would do if I had this exact
Speaker 5: same situation. I would hire an attorney since in California
Speaker 5: to open up a probate and then I would proceed
Speaker 5: in that same action to have that attorney contact the
Speaker 5: California company and make a demand for the proceeds from
Speaker 5: the beneficiary. I would argue should go to you, Your
Speaker 5: parts should go to you. I would then reach out
Speaker 5: to the other brother and say, look, you're welcome to
Speaker 5: have your part of this estate. Now, Dan McKenzie, is
Speaker 5: that bad advice I gave?
Speaker 20: I think it's probably. I mean, if they just won't
Speaker 20: stay ball events, it's probably at the end of the day,
Speaker 20: there is me some sort of cord activity, and the
Speaker 20: probate case probably is the way to a platform on
Speaker 20: to do that. So yeah, unfortunately California is kind of
Speaker 20: a notorious for hav any a little bit difficult probate process,
Speaker 20: but so hopefully it is an amount of money that
Speaker 20: makes it work.
Speaker 5: Well, how would he go about to find an attorney
Speaker 5: in that area for pro Is there any kind of
Speaker 5: an association he can look to.
Speaker 20: Uh this, I'm pretty generic, but it actually is a
Speaker 20: group of attorneys that takes us pretty seriously.
Speaker 7: If you go to a state.
Speaker 20: Planning dot com, there is just a search function right
Speaker 20: on that right on that page, and it does provide
Speaker 20: attorneys by location, and you know they are usually a
Speaker 20: specialist in the state administration.
Speaker 5: Kenny, Kenny, you know, there's got to be at least
Speaker 5: one hundred grand in that retirement account. I would say
Speaker 5: just that. I mean, I don't know how long. How
Speaker 5: long did he work there?
Speaker 7: I guess you'd be tired from them, So I'm gonna
Speaker 7: assume a good twenty years, you know, I.
Speaker 5: Mean, I mean, look, there's probably more. But what I'm
Speaker 5: saying is, if I were you, I would go to
Speaker 5: a state planning Is it a state planning dot org?
Speaker 5: Is that what you said, Dan? A dot org dot com?
Speaker 5: State planning dot com? Go there, Kenny, get an attorney
Speaker 5: in that area and just explain the situation and open
Speaker 5: approbate and get this damn thing done. You have all
Speaker 5: of your brothers, decease brothers information, you have the death certificate.
Speaker 5: You have enough to do this. I hope that's enough.
Speaker 5: I mean, I don't know what else to tell you,
Speaker 5: but that's where I start. And then have him that
Speaker 5: attorney or her in California reach out to that company
Speaker 5: because that attorney will know how to recover your share
Speaker 5: of the account where you're a beneficiary. All right, now,
Speaker 5: let me try to squeeze Larry in here. Larry, what
Speaker 5: is your question for Dan McKenzie. Welcome to the show.
Speaker 11: Thanks Tom.
Speaker 7: Real quick question.
Speaker 11: My father in law passed a year ago January. My
Speaker 11: wife and her sister acquired a house under a joint tenancy.
Speaker 11: My sister has a there's no desire to keep the
Speaker 11: house on my sister's side, but there's a desire on
Speaker 11: my wife to keep the house. So we wanted to
Speaker 11: buy out my sister in law's half of the house
Speaker 11: and joint tendancy, and we cannot come to an agreement
Speaker 11: as of this time. Is there anything I need to
Speaker 11: be aware of? She made a mention in a text
Speaker 11: that she will unilaterally put the house up on the market.
Speaker 11: Is that allowed under dr.
Speaker 12: Well?
Speaker 5: A joint tenancy is where they own it equally and simultaneously,
Speaker 5: so they don't have a divide. I don't believe they
Speaker 5: have a divide in interest, or maybe they do. Am
Speaker 5: I getting the joint tenancy wrong?
Speaker 9: Dan?
Speaker 20: Now it is one interest. I don't think it even matters.
Speaker 20: I mean, I tell something of course is going to
Speaker 20: require all owners to sign any any titles ranswer to
Speaker 20: sell the house. But what can happen is the person
Speaker 20: who wants to force that they out can bring a
Speaker 20: partition action in court and say, look, court, we co
Speaker 20: own this property. We can't agree. I mean, we want
Speaker 20: I want you to order this house to be sold.
Speaker 20: So the person wants to sell that ponibility.
Speaker 5: One thing I do know, whenever there is a dispute
Speaker 5: with an LLC, a partnership, joint tenancy, joint ownership, the
Speaker 5: rules of the state where it's we're talking Colorado here
Speaker 5: a caller.
Speaker 11: Nope, we're talking New Jersey.
Speaker 5: Okay, then the partnership laws of the state of New Jersey.
Speaker 5: Where it is not already agreed to in an operating
Speaker 5: agreement or in a separate agreement, then the partnership laws prevail.
Speaker 5: And almost every state is like that. So, for example,
Speaker 5: if I had to dispute, if I had a dispute
Speaker 5: with one of my co owners of an LLC and
Speaker 5: we did not address what to do with that dispute
Speaker 5: or how to do it or how to dissolve it
Speaker 5: or anything. Then you would go to the state partnership
Speaker 5: statutes and follow their procedures which would dictate the sale
Speaker 5: of the property and how it's done properly. Again, since
Speaker 5: there is no written agreement, they inherited this. But here's
Speaker 5: the thing you got to understand something. Shared ownership only
Speaker 5: comes in two flavors. Okay, And did it actually say,
Speaker 5: I mean, how did you know their joint tenancy?
Speaker 11: Well, it was all discussed prior to passing. And the
Speaker 11: house is a Jersey shorehouse. It was both my wife's
Speaker 11: parents' house for the last thirty years. My father in
Speaker 11: law made it very clear that he wanted to pass
Speaker 11: it down through the family, wanted both my wife and
Speaker 11: my sister in law to have the house, and made
Speaker 11: stipulations with bank accout ounce and everything to pay for taxes. Now,
Speaker 11: my sister in law who lives in.
Speaker 5: South Well, what tell me what your sister in law wants?
Speaker 5: What is her main beef? What does she want?
Speaker 11: She wants she wants cash by June?
Speaker 5: Well, she wants how much cash?
Speaker 7: Seven?
Speaker 5: What is is half of the house worth that.
Speaker 11: She thinks, so I don't think.
Speaker 5: So do you want to keep the house or do
Speaker 5: you want to sell it? Let me ask you. Does
Speaker 5: she want to keep.
Speaker 7: No wants?
Speaker 5: I'm asking do you want to sell the house? Do
Speaker 5: you want to keep it? Okay, then what's the big beef?
Speaker 5: You don't have to give her a dime put it
Speaker 5: up for sale. You both agree you want to sell it? Right?
Speaker 7: No, no, no, no, we want to keep the house.
Speaker 11: We do not want to sell it. She wants to
Speaker 11: sell it.
Speaker 5: And what do you want to do with the house?
Speaker 11: Keep it in the family?
Speaker 5: Well what does that mean? I mean, do you want
Speaker 5: to live in it? What do you want to do?
Speaker 5: Do you want to look at it? What do you
Speaker 5: want to do with the house.
Speaker 11: Eventually my wife and I will be leaving Colorado and
Speaker 11: moving back to New Jersey. So yes, we want to
Speaker 11: keep it for retirement, which is two years away.
Speaker 5: All right, then you're going to have to come to
Speaker 5: an agreement or it's going to be sold.
Speaker 10: But if it can, because.
Speaker 20: It happens, he can make the offer, right, I mean,
Speaker 20: you know, if the courts forces the partition, he can
Speaker 20: still to make the offer. Either way, you should get
Speaker 20: an appraisal, because if you're going to keep it, you
Speaker 20: want to make sure you preserve a record of what
Speaker 20: the value was for the step up in basis exactly exactly.
Speaker 5: So here's what how much is the house? How much
Speaker 5: is the house really worth? Right now?
Speaker 11: I believe the house is worth one point three some
Speaker 11: maintenance issues that need to be taken care of, she takes, Look, how.
Speaker 5: About getting one? How about getting an appraisal? How about
Speaker 5: getting three appraisals and throw out the top and the
Speaker 5: bottom and keep the middle. What about that? Is she
Speaker 5: willing to work with you at all?
Speaker 11: Uh? You know I put out three different proposals to her,
Speaker 11: and she's.
Speaker 5: Okay, hold on, I'll come right back to you. I'm
Speaker 5: Tom Martine. Go with a sure thing Denver's best roofer
Speaker 5: Excel Roofing dot com. You don't pay a cent until
Speaker 5: you're content. Time for an insurance check up free, no obligation.
Speaker 5: In comparison, call Compass insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three O
Speaker 5: three seven to seven one help. You'll think you're his
Speaker 5: only customer when you choose Frank to the real estate
Speaker 5: man dot com to list your home with Remax Alliance
Speaker 5: three oh three nine two zero sixteen twenty two. Hi
Speaker 5: Tom Artino here three oh three seven one three talk
Speaker 5: seven one three eight two five five. Okay, so we've
Speaker 5: had Dan McKenzie on answering some questions plans dot Coe.
Speaker 5: Larry has a question for Dan. Larry, go ahead, what's
Speaker 5: going on? Larry?
Speaker 7: Well, we were talking about the joint Tennessee Tom.
Speaker 5: Yes, and what you need to do on the joint tenancy.
Speaker 5: Because okay, here's the deal. If you guys can't come
Speaker 5: to an agreement, Dan mckenzie'll tell you what's going to happen.
Speaker 5: The courts will do what Dan, If it's brought to court,
Speaker 5: they'll go to partnership law. What would most likely result?
Speaker 20: Now, she would she could finally partition action, which she
Speaker 20: should not want to do. I mean obviously that could
Speaker 20: be litigation like and get pretty extensive pretty quickly. So
Speaker 20: she really should not want to do that and should
Speaker 20: be amenable to making some sort of arrangement. I agree
Speaker 20: with Tom. I mean, get one appraisal.
Speaker 6: And send it to her and say here's.
Speaker 7: What we got.
Speaker 20: You want to get one go ahead and see how
Speaker 20: they come in and maybe there's agreement, but I mean,
Speaker 20: there's no scenario where there's no appraisal.
Speaker 5: Has has she agreed to Larry? Are you guys on
Speaker 5: talking terms?
Speaker 7: But she's very passive aggressive?
Speaker 5: But will she agree to an appraisal or two?
Speaker 11: I think so, I think I think that's the next
Speaker 11: step is we need to go.
Speaker 5: I think what I would do. I think what I
Speaker 5: would do is since it's the wife, your wife and
Speaker 5: her who are really the owners, they need to agree
Speaker 5: to hire an appraiser, or you each get an appraisal
Speaker 5: and you go in the middle. But but Larry, you
Speaker 5: don't know what that house is worth. She doesn't know
Speaker 5: what that house is worth. She's going by gut, you're
Speaker 5: going by gut. And as as Dan McKenzie just said,
Speaker 5: there is no scenario, none, where you don't get an appraisal.
Speaker 5: If you can tell your sister, look, if you saw us,
Speaker 5: the first thing that's gonna order is an appraisal. I mean,
Speaker 5: so what good is that? Why are we wasting money?
Speaker 5: So that's what I would do, Larry, thank you three
Speaker 5: oh three seven one three talks seven one three eight
Speaker 5: two five five As we said, Dan McKenzie eight three
Speaker 5: three Coe plans if you ever need him now, Joy, Joy,
Speaker 5: what's going on with your orthodontisky.
Speaker 21: Can you hear me?
Speaker 5: Yes? I can.
Speaker 21: Yes, So my kids they've been seeing doctor Lawson at
Speaker 21: New Early Orthodonics NEO. Yes, yes, I actually heard about
Speaker 21: him on your show, and they've been.
Speaker 22: For a while now.
Speaker 21: But anyhow, he basically with no notice, just closed his practice.
Speaker 21: And both my kids have they have paid in full
Speaker 21: contracts and one of my son is embraces with him,
Speaker 21: and and they just closed. And so I'm not sure, Joy.
Speaker 5: I heard about that. I heard about that. How long
Speaker 5: ago did that happen?
Speaker 6: Him closing?
Speaker 5: Mm hmm.
Speaker 21: I think it's been a couple of months now. They
Speaker 21: had sent Neo had sent out an email referring a
Speaker 21: new orthodonist, although that new Orthodonist did not buy the practice. Therefore,
Speaker 21: if my son wants to be his patient, we have
Speaker 21: to pay.
Speaker 5: Again, let me explain to you. First of all, I
Speaker 5: believe they filed for bankruptcy. I know that doctor Lawson
Speaker 5: has had some health problems. I don't want to get
Speaker 5: too specific. I think this whole thing was unplanned, and
Speaker 5: I think here's the biggest problem you're going to have
Speaker 5: with new early orthodontics. Any oh, is that there aren't
Speaker 5: many dentists who buy that whole program. You know, they
Speaker 5: all do this massive, massive correction. Now I'm telling you something.
Speaker 5: Doctor Lawson, in my opinion, was a genius and he
Speaker 5: did wonderful, wonderful work. But I tell you, I think
Speaker 5: you're going to have a problem finding another dentist that
Speaker 5: even knows the program. Have you been able to find
Speaker 5: one that knows the program?
Speaker 21: I mean, I guess it's no. In fact, my son
Speaker 21: is in braces right now. And part of the problem
Speaker 21: is that he had enough pointment to.
Speaker 5: Go get it. Well, when you say when you say braces,
Speaker 5: when you say braces, are you talking about their form
Speaker 5: of braces or conventional braces?
Speaker 21: Conventional?
Speaker 8: True, doctor Lawson?
Speaker 5: Well that's good then then anyone can take that case over.
Speaker 5: But the money you paid in you need to put
Speaker 5: an acclaim with the bankruptcy court.
Speaker 21: Okay, because I have his his I.
Speaker 5: Gotta take this break hold on go with a sure
Speaker 5: thing Denver's Best roofer excel roofing dot com. You don't
Speaker 5: pay a cent unto your content time for an insurance
Speaker 5: check up free, no obligation in comparison call Compass Insurance.
Speaker 5: Pay too much your coverage at dozens of insurance companies.
Speaker 5: Find out now three oh three seven seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Yeah, ripped off.
Speaker 14: You need advice so.
Speaker 3: You don't have come running as fast as we can.
Speaker 3: Show Shooter's gonna help come MANX is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hey.
Speaker 5: Tom Martino here, Welcome to the show. Three O three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: We left off with Joy. We found out a lot
Speaker 5: more information. Joy was calling because her children were enrolled
Speaker 5: with Neo New Early Orthodontics and doctor Kent Lawson shut
Speaker 5: the doors, they said as a result of unforeseen circumstances.
Speaker 5: I also believe they filed for bankruptcy. I wasn't able
Speaker 5: to confirm that, but I saw some articles that they
Speaker 5: did file for bankruptcy. He had a ton of people
Speaker 5: undergoing treatment. New Early Orthodontics used to take children at
Speaker 5: a very early age and correct their bites and correct
Speaker 5: their teeth in a very novel way, using appliances in
Speaker 5: the mouth that gently moved teeth, and then they would
Speaker 5: only spend a short time in conventional Both of my
Speaker 5: children went through NEO. Both had extraordinary results. The offices
Speaker 5: were always great. Unfortunately the offices closed. We don't know details,
Speaker 5: but we do know they're closed. And they said there
Speaker 5: were two they referred to specific Oh, no, one, it's one.
Speaker 5: They they were, no, there's it's but it's one doctor.
Speaker 5: Both of those practices are the same.
Speaker 2: Yeah, it looks like there are two locations of the same.
Speaker 2: Omar To Orthodontics.
Speaker 5: Omark Orthodontics will actually apply some of the credit you've
Speaker 5: paid in a joy uh if you wanted to check.
Speaker 5: Did you ever check them out on their on the
Speaker 5: website for NEO.
Speaker 21: Yes, I actually went to them because my son needed
Speaker 21: an adjustment. So I went to that that new Orthodonis.
Speaker 21: He saw my son, but to treat.
Speaker 8: Him further, it's upwards.
Speaker 21: It's over one thousand more dollars for him to get through,
Speaker 21: and he needs to get through. And I've already paid
Speaker 21: my contract in Fuld, which you.
Speaker 14: Know on news on news.
Speaker 5: Well, I know you're right, He says, if you have.
Speaker 2: Paid in full, comma nominal fees will apply to continue
Speaker 2: your treatment. So I looked up the definition of the
Speaker 2: word nominal and in the context of very small.
Speaker 14: Far below the real value or cause.
Speaker 5: Did they know that you had paid in full? Oh?
Speaker 21: Yes, I mean I've talked to that. I talked to
Speaker 21: them in depth. Basically he explained to me that they
Speaker 21: did not buy the practice, They just received the clients.
Speaker 5: So of course, of course, you know.
Speaker 21: So it's basically to get what my son needs is
Speaker 21: basically again, what like the contract in full?
Speaker 5: Again that I've already what was your contract? What was
Speaker 5: your contract in full with NEO? How much from beginning to.
Speaker 21: End, well, beginning to end work I would say around
Speaker 21: six grand?
Speaker 5: Around six grand, and you had paid the entire six grand?
Speaker 7: Correct?
Speaker 5: Okay, And now they're telling you this one who took over,
Speaker 5: which I understand as this this person was under no obligation.
Speaker 5: They are continuing care. But what you're saying is is
Speaker 5: that it's going to be an additional one thousand dollars.
Speaker 21: Oh no more than that. I mean, yes, you just
Speaker 21: said one thousand start. It's probably well over one thousand,
Speaker 21: I said, so, it's probably cheaper than starting a brand
Speaker 21: new contract over again. But he still has up over
Speaker 21: one thousand dollars that they quoted me, still needed that
Speaker 21: he'll need done?
Speaker 5: Well, how much two thousand dollars, three thousand dollars.
Speaker 15: For how much?
Speaker 5: How much more?
Speaker 21: Is it probably closer to two grand with the okay,
Speaker 21: and so removing the braces.
Speaker 5: But you're telling me, you're telling me that everything your
Speaker 5: son needed would have been covered had NEO remained open. Correct, Okay,
Speaker 5: So you are really suffering a two thousand dollars loss here.
Speaker 5: I don't know what to tell you. It's really too bad.
Speaker 5: I mean, it really is. I think NEO. I think
Speaker 5: it's been six years. They've been off our referral list
Speaker 5: five or six years. He had some health problems. I
Speaker 5: don't know the full story here. I hope he's doing okay.
Speaker 5: But Joy, you're joining a long list of people who
Speaker 5: are in the middle of treatment. The good news is
Speaker 5: I don't think you can get better treatment. And if
Speaker 5: you continue the program again, unfortunately you have a loss
Speaker 5: of about two grand. You may want to search.
Speaker 21: To see if there's a I have a daughter paid
Speaker 21: I paid in full contract as well.
Speaker 5: Wait a minute, how much is it going to cost
Speaker 5: to continue that one?
Speaker 7: I have no idea.
Speaker 21: I haven't I haven't even gone down the road with
Speaker 21: her yet, because the only reason I went to the
Speaker 21: other Archadonic don this was because they literally closed the
Speaker 21: week I was supposed to get my my son's braces adjusted,
Speaker 21: so I had to go somewhere.
Speaker 5: Now, your daughter, what stage is she in?
Speaker 21: He's in the observation stage, so luckily she's not in braces,
Speaker 21: but she's not completed yet through the program.
Speaker 5: And did you pay for that in full?
Speaker 6: Yes?
Speaker 5: Can I ask you why you paid in full upfront?
Speaker 5: I didn't do that? Well, can you can you tell
Speaker 5: me your reasoning with that?
Speaker 21: Because I just I I mean, this was a long
Speaker 21: time ago that we started this process my.
Speaker 10: Kids, I understand.
Speaker 5: Would would were you given a substantial discount?
Speaker 21: No, I would, Well, you were given a discount, but
Speaker 21: I was making payments on both of them. But I
Speaker 21: fulfilled both contracts.
Speaker 5: Like, Okay, I see what you're saying. No, I see
Speaker 5: what you're no. I know what you're saying. Okay, because
Speaker 5: there is a monthly payment I paid for each child,
Speaker 5: And you're right if you got to the end of it,
Speaker 5: you paid it up, and then there was still treatment
Speaker 5: to be done. That's very unfortunate, very unfortunate. I mean,
Speaker 5: I don't know what to say when when when businesses closed,
Speaker 5: they close, and you know, as long as there's no
Speaker 5: fraud involved, and I don't think there was, and I
Speaker 5: don't know the reason, but perhaps someone if they know.
Speaker 14: Uh.
Speaker 5: In fact, I don't know if I still have his number,
Speaker 5: I might want to try calling him three h three
Speaker 5: oh seven to one three talk. Yes, go ahead.
Speaker 21: When you say I need to get in touch with
Speaker 21: the bankruptcy court, I mean, is that something that I
Speaker 21: should first do or am I just.
Speaker 6: Out of luck?
Speaker 7: Well?
Speaker 5: No, if listen, you're probably out of luck even if
Speaker 5: you do get a hold of a bankruptcy. I don't
Speaker 5: know if they did file. I read somewhere that Neo
Speaker 5: Early Orthodontics filed for bankruptcy, okay, And I don't know
Speaker 5: if that's sure or not. It says here it was Friday,
Speaker 5: January twenty fourth due to UNFOERC certain circumstances. But I
Speaker 5: don't see. But I saw somewhere where they did go
Speaker 5: bankrupt and if they did, then all of the claims.
Speaker 5: All of the claims have to go through the bankruptcy court.
Speaker 5: So if they went bankrupt, let me just see here,
Speaker 5: hold on, I'm trying to find it. I think they filed,
Speaker 5: but you're gonna have to search the bankruptcy records to see.
Speaker 5: Let me see update update here, hold on, local, let's see.
Speaker 15: See.
Speaker 5: And then there's people. There are people. Yeah, you make
Speaker 5: a claim with the bankruptcy court, but there are people
Speaker 5: who claim who are claiming they went to the Attorney
Speaker 5: General's office. I mean, look, if there's nothing you can do,
Speaker 5: they say they're investigating. You know, that's a bunch of crap.
Speaker 5: I doubt anything was done on purpose by this guy,
Speaker 5: and I'm sure we're gonna find out. But anyway, I
Speaker 5: believe they did probably file for bankruptcy, although I can't
Speaker 5: find it live on the air right now. I'm sure
Speaker 5: if you start googling or asking, you're gonna find the
Speaker 5: case and then you just contact the court and put
Speaker 5: in a claim. But I'm gonna be honest with you,
Speaker 5: you're not gonna get it. You're not gonna get paid.
Speaker 5: I mean, there are probably a long line of creditors,
Speaker 5: and in a bankruptcy very seldom are individuals ever satisfied.
Speaker 5: It's just an all around unfortunate circumstance. But if you
Speaker 5: take your total losses, let's say you have to pay
Speaker 5: an extra two grand for your son and an extra
Speaker 5: two grand for your daughter, you're looking at four grand.
Speaker 5: That's your total loss. So I mean, I'm not saying
Speaker 5: be happy with that, but man, it's certainly better that
Speaker 5: at least you got some of the services. But there's
Speaker 5: nothing you can do. Whenever people go out of business
Speaker 5: for a legit reason, there's nothing you can do. That's
Speaker 5: why I always preach, do not pay in advance, do
Speaker 5: not pay more than you need to, don't ever do that.
Speaker 5: And again, what I did was paid monthly payments for
Speaker 5: my kids, and I don't remember me paying in advance.
Speaker 5: I pay eight monthly payments and when they were done,
Speaker 5: I stopped paying the payments. So I'm not sure what
Speaker 5: kind of contract you had. And again, it doesn't matter.
Speaker 5: They're out of business, okay, they're just out of business.
Speaker 5: Three oh three seven one three talks seven one three
Speaker 5: eight two five five. We got more coming up. By
Speaker 5: the way, people are asking how to get a hold
Speaker 5: of Dan mackenzie. I gave that number out. I can
Speaker 5: give it again, Mackenzie. He's a state law he was
Speaker 5: our expert A three three co plans go with a
Speaker 5: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 5: don't pay a cent until you're content. Time for an
Speaker 5: insurance check up free, no obligation. In comparison, call Compass
Speaker 5: insurance paying too much your coverage at dozens of insurance
Speaker 5: companies find out now three oh three, seven to seven
Speaker 5: to one. Help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three all three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martina here,
Speaker 5: Welcome to the show. We got some follow ups. I'm
Speaker 5: going to take Depfe Dimitri first, speaking of dental. It
Speaker 5: was a dental problem we were talking about, Deputy d
Speaker 5: Let's recap first, as I like to do the original
Speaker 5: problem and it was Stephanie And could you explain what
Speaker 5: the original problem was?
Speaker 2: Yeah, you may recall that Stephanie called us on the
Speaker 2: seventh and she went to a new dental office that
Speaker 2: did some diagnostics and did a whole bunch of work,
Speaker 2: deep cleaning and something else, and Stephanie kind of got
Speaker 2: the suspicion that it was unnecessarily done. So what was
Speaker 2: unnecessarily done, the deep cleaning and something else.
Speaker 5: Yeah, she was very distrustful of the dentist.
Speaker 2: Yeah, she was very, very suspicious. So she got a
Speaker 2: second opinion.
Speaker 5: But and so her main beef was that the Loto
Speaker 5: Dental they offered her free X rays and then they
Speaker 5: diagnosed her with six cavities and gum disease, and she
Speaker 5: got a second opinion which says she did not have
Speaker 5: cavities or gum disease. So basically, she's saying that she
Speaker 5: paid for services that were inadequate because they diagnosed her.
Speaker 5: But what is this six hundred and sixty nine dollars
Speaker 5: she wanted back?
Speaker 2: So that's the that's the portion that she paid for
Speaker 2: the service. Some of it was covered by a dental plan. Wow,
Speaker 2: some of it so.
Speaker 5: Well, I would want my money back too, if, in
Speaker 5: fact I was diagnosed with stuff I didn't have.
Speaker 2: Right, But the question I had for her when I
Speaker 2: spoke with her after her call was in the context
Speaker 2: of this, if you ask two doctors for their opinions
Speaker 2: you're going to get three different opinions, right.
Speaker 5: So cavities are not an opinion.
Speaker 14: Well, in my case they have been.
Speaker 5: So oh wait wait, you mean someone can identify a
Speaker 5: cavity and someone else says it's not a cavity.
Speaker 14: That's right. That happened to me.
Speaker 2: Well, come on, and coincidentala, it was on six of them.
Speaker 2: And so somebody did recommend that I had six cavities filmed.
Speaker 5: And they were not cavities.
Speaker 2: Well, I'm still not sure what they are. But my
Speaker 2: other dentist, whom I've had many years of experience with,
Speaker 2: said no, there are two or three of these that
Speaker 2: we can put some kind of a filler or varnish
Speaker 2: on them. So he says, they're not quite cavities, but
Speaker 2: they will become cavities if you leave them alone. So
Speaker 2: we did that many years ago, and they never turned
Speaker 2: into cavities. And once in a while I have that
Speaker 2: varnish or some kind of a covering on them. Redone.
Speaker 2: But anyway, what Stephanie and I agreed to do was
Speaker 2: that she's actually going to go get a third because
Speaker 2: these two were in conflict. But none of us really
Speaker 2: know which one is more correct than the other. So
Speaker 2: she was planning on that sometime this week or next week.
Speaker 2: But she just texted me a few minutes ago and
Speaker 2: they said that, hey, listen, thanks for your help. Low
Speaker 2: Doo Dental just to agree to refund me my entire
Speaker 2: oh wow service fee. So we don't need to follow
Speaker 2: up on the third opinion. But I have a feeling
Speaker 2: if we got the third opinion, it would have been
Speaker 2: in conflict with the first two anyway.
Speaker 5: I see, I did not realize that dental. I mean,
Speaker 5: cavities are an opinion. For God's sake, it is it.
Speaker 5: It's absolutely and cavity's are holes.
Speaker 2: Well, but the matter is, I think what's an issue
Speaker 2: is the depth of that hole, right, and when it
Speaker 2: needs to be treated, When it needs to be treated
Speaker 2: as a cavity, and when does it need to be treated.
Speaker 5: She's got a full refund. Yeah, so that's pretty darn
Speaker 5: good you did. I don't know if you deserved a
Speaker 5: dinger or just a dinger of destiny.
Speaker 14: I did very little on this matter.
Speaker 5: Yeah, but we'll do the dinger of destiny. Just because
Speaker 5: she contacted us, Deputy Bow has a follow up. Deputy Bo,
Speaker 5: let's just recap this one this one was a biggie.
Speaker 5: Don called in and it's his toes were crooked. He
Speaker 5: went to the Bunyan Cure Little Tin for surgery. The
Speaker 5: condition came back. Now he was not blaming them for
Speaker 5: the Kitshen condition coming back. He simply wanted more treatment
Speaker 5: and they ghosted him.
Speaker 13: Yes, he had the procedure done like I believe, eight
Speaker 13: months ago, and he's a very reasonable person. He spent
Speaker 13: over around twenty five thousand dollars and he just wants
Speaker 13: his Bunyon or.
Speaker 16: His toes straightened out. And they were ghosting him, not
Speaker 16: calling him back.
Speaker 13: And so during the break I made a call around noon,
Speaker 13: I got their answering machine.
Speaker 16: Then after the show, I called again at two o'clock.
Speaker 13: Talked to the receptionist and just told her who we were,
Speaker 13: that we're on the air, and just all we wanted
Speaker 13: to do.
Speaker 16: I don't want his medical history.
Speaker 13: I just want your doctor office to Bunyan Cure, the
Speaker 13: manager to call your patient and just try to get
Speaker 13: him back.
Speaker 5: That's really all we wanted. We're not looking to interfere
Speaker 5: with the care. So what happened at.
Speaker 13: Four o'clock yesterday the doctor called our caller Don and
Speaker 13: he's going in this afternoon to get a reigation. So
Speaker 13: the Troubleshooter Show was able to get this buy mean
Speaker 13: cure offter.
Speaker 5: But that's really good. Now, you know what, Why were
Speaker 5: they ghosts in the guy?
Speaker 16: I don't know. I didn't get this.
Speaker 5: It's not like the guy was blaming them. It wasn't
Speaker 5: like he was looking for anything special. He just wanted
Speaker 5: follow up care. For God's sake.
Speaker 13: If it was me, I would have wanted my twenty
Speaker 13: five thousand dollars back.
Speaker 5: You get your dinger, you get the dinger for that one,
Speaker 5: not the dinger of destiny, but a specific dinger, dinger Dinger.
Speaker 5: So anyway, bottom line is this neo. I'm getting some
Speaker 5: other people who have They were very upset that Neil
Speaker 5: closed because apparently he had a lot of open cases
Speaker 5: with people who paid in advance, very very unfortunate. I
Speaker 5: just I refuse to believe there's any kind of fraud
Speaker 5: at all involved. In fact, yeah, I don't think so
Speaker 5: at all, because if you think about it, yeah, I
Speaker 5: don't know. It just doesn't make sense to me. Why
Speaker 5: would someone open themselves up for that, especially someone who
Speaker 5: had been in business for what forty years? And never
Speaker 5: had a problem so three oh three seven one three
Speaker 5: eight two five five. Remember Genesis Total Exteriors also does
Speaker 5: mold detection and remediation. Genesis Tootalexteriors dot com. Go with
Speaker 5: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 5: You don't pay a cent until your tenth time for
Speaker 5: an insurance check up, free no obligation comparison call Compass
Speaker 5: Insurance paying too much your coverage at dozens of insurance
Speaker 5: companies find out now three all three seven seven to one. Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martine here three oh three
Speaker 5: seven one three talk. Let's talk to Judy with State
Speaker 5: Farm Insurance. What's going on? Judy? Hi there, Hi, what's happening.
Speaker 22: I'm having problem with State Farm and I've heard you
Speaker 22: guys saying that they are the worst, and I totally
Speaker 22: believe you. I had what's the problem on Tucy? I
Speaker 22: had XL come out and clean my gutters out and
Speaker 22: they said I needed a new roof. So Jack from
Speaker 22: XL called my agent and they said that I had
Speaker 22: till the twenty ninth of this month to get the
Speaker 22: gutters cleaned out and the trees trimmed or they will
Speaker 22: cancel me.
Speaker 5: But Judy, I need to know something. Excel Roofing said
Speaker 5: you need a new roof. That doesn't mean insurance pays
Speaker 5: for it unless it was caused by a hailstorm or something.
Speaker 5: So why did they say you need a new roof.
Speaker 22: Because it's missing all kinds of shingles?
Speaker 5: Well, okay, but that's not an ensurable event unless something
Speaker 5: caused it. What caused it?
Speaker 22: Well, I'm thinking maybe the hail of last year. But
Speaker 22: I didn't. I had nobody go up and lost.
Speaker 5: Yeah, but you don't. You don't just get You don't
Speaker 5: just get a new roof. Listen. We are under a
Speaker 5: mistaken impression in Colorado that we don't pay for roofs,
Speaker 5: that they're all insurance claims, and they're not. If a
Speaker 5: roof has missing tiles, if a roof is deteriorating, you
Speaker 5: need to pay for it. You don't. You don't get
Speaker 5: to get an insurance claim. Listen. I don't like State
Speaker 5: Farm and maybe they are screwing you. But unless this
Speaker 5: damage can be pinpointed and tied to an event, you
Speaker 5: don't just get to pick a storm and say I
Speaker 5: think it was this storm. You don't. You don't get
Speaker 5: to do that. You have to have almost certainty that
Speaker 5: a particular storm caused a particular damage. And then the
Speaker 5: question is why didn't you Why didn't you tell them
Speaker 5: before this? So do you know that you guys experienced
Speaker 5: a hailstorm in your neighborhood within the last year, because
Speaker 5: you can't go back more than a year. So in
Speaker 5: the past year, did you have a major hailstorm or windstorm? Yes?
Speaker 22: I couldn't tell you what.
Speaker 5: Okay did it? But okay, but did Excel Roofing say
Speaker 5: you had hell damage?
Speaker 22: Jack didn't say. He just you know, he went up
Speaker 22: there and he took pictures and sent them to me
Speaker 22: and said I definitely need a roof and that every
Speaker 22: time the wind blows, they flap and blow away.
Speaker 5: Right, Judy, that doesn't sound like hail damage to me.
Speaker 5: That sounds like an old roof. How old is your roof?
Speaker 22: I couldn't tell you because my husband passed away three
Speaker 22: years ago and he always handled that stuff.
Speaker 5: Do you have any idea the last time you had
Speaker 5: a roof done, any idea at.
Speaker 22: All, It's probably been at least ten years.
Speaker 5: I'm guesstimating, well, okay, your roof should still be good
Speaker 5: after ten years. You know what, I'm kind of disappointed
Speaker 5: that you didn't get more details from Excel. We really
Speaker 5: need to talk to them. Do you know the person
Speaker 5: that you talk to at Excel Roofing.
Speaker 22: Yes, I do. His name is Jack.
Speaker 14: I think she said Jack.
Speaker 22: Yeah, Jack Barr. I think it is the ar RS.
Speaker 5: We're going to that's good, we're going to talk. Let's
Speaker 5: do this. I want to talk to Excel Roofing. Let's
Speaker 5: try to get them on right now if we can,
Speaker 5: and if we can't, we'll continue this. But my plan
Speaker 5: is to talk to Excel Roofing and find out why
Speaker 5: you need a new roof. Did they say why? Did
Speaker 5: they say you have hail damage? Did they say you
Speaker 5: had wind damage? Did they say anything at all?
Speaker 22: He said it looks like wind has blown the tiles off,
Speaker 22: because he says, okay, some of them are losing and
Speaker 22: they flap in the wind, and we've had horrific wind.
Speaker 22: I live in the city of Sheridan, yeah, but.
Speaker 5: Okay, But unless you had an event like a wind storm,
Speaker 5: wind occasionally blowing tiles off, that's a lack of integrity
Speaker 5: of the roof. Insurance doesn't cover that. Insurance would cover
Speaker 5: a windstorm, a hailstorm. It doesn't. It's not a guarantee.
Speaker 5: Insurance is not a warranty. I mean, you're gonna lose
Speaker 5: tile from time to time, You're gonna lose granules from
Speaker 5: time to time, Your roof is gonna wear out from
Speaker 5: the sun from time to time. But that doesn't mean
Speaker 5: that insurance pays for it. Now here's what I want
Speaker 5: to know. You called about State Farms. So did you
Speaker 5: call them and ask them to inspect your roof?
Speaker 22: Mike told me that they had an adjuster out here earlier,
Speaker 22: and they sent me a letter, supposedly in March. I
Speaker 22: don't remember getting a letter from him.
Speaker 5: He well, what what? Just tell me they rejected your claim.
Speaker 5: They denied your claim.
Speaker 22: He hasn't filed one yet. I don't think.
Speaker 5: Who hasn't filed one. You're the one that files it.
Speaker 22: Well, I asked Mike, I want.
Speaker 5: To help you. Who's Mike? Who's Mike? Judy? Who? No,
Speaker 5: It's okay. I want to help you. Who's Mike State
Speaker 5: Farm Rep. Okay, now that rep does not claim, you're
Speaker 5: the one that files a claim. You have to literally
Speaker 5: file a claim. But you're not going to get covered.
Speaker 5: I think you're gonna have to pay for your roof.
Speaker 22: And Jack said, it's like twenty five thousand dollars. I
Speaker 22: don't have that kind of money.
Speaker 9: I don't.
Speaker 21: I barely have.
Speaker 22: I think I have six hundred dollars to my name.
Speaker 5: Okay, is your house paid for?
Speaker 22: Yes, it has been since nineteen ninety five. I've lived
Speaker 22: here since.
Speaker 5: That's wonderful.
Speaker 22: January sixty seven.
Speaker 5: Judy, I'm gonna we're gonna here's what we'll do. First,
Speaker 5: We'll contact Excel to see if we can make it
Speaker 5: a storm claim. If not, you then don't replace it.
Speaker 5: But here's what's gonna happen. If you do get a hailstorm,
Speaker 5: they're gonna claim your roof needed to be replaced beforehand,
Speaker 5: and they're not going to pay for it anyway. So
Speaker 5: we have a situation here. We could have a situation
Speaker 5: here where if you don't pay for that roof, it's
Speaker 5: never gonna get done. Now, are you getting any leaks?
Speaker 22: I have one in my bedroom.
Speaker 5: What you need to do is call Excel and see
Speaker 5: if they'll at least do some repairs for you so
Speaker 5: you don't have to redo your whole roof and if
Speaker 5: they can at least repair the roof. And you have
Speaker 5: no money. So how are you getting along? Rite? Your
Speaker 5: husband died when Judy three years.
Speaker 22: Ago in May.
Speaker 5: I'm so sorry. How have you been getting along since?
Speaker 5: Are you on Social Security?
Speaker 7: Yeah?
Speaker 22: And I get a portion of his pension, but it
Speaker 22: doesn't go you know, It's like I get like, what
Speaker 22: is it nineteen hundred dollars a month and I'm paying?
Speaker 5: So did State did State Farm actually turn you down? Well?
Speaker 22: I wanted to talk to Mike about that, and he
Speaker 22: didn't have excuse my expression, balls enough to call me back,
Speaker 22: so he sent his assistant to call me.
Speaker 5: And she and what did the assistant say?
Speaker 22: She said that it needed to be done, and I
Speaker 22: had every right to cancel if the insurance policy if
Speaker 22: I wanted to go with somebody else.
Speaker 5: Well, when she said it needed to be done, did
Speaker 5: she say they would pay for it?
Speaker 22: Well, according to him, no, she didn't tell me anything.
Speaker 22: Jack was told by Mike that the most they could
Speaker 22: go would be six thousand.
Speaker 5: Well why I don't understand that. Why did they say
Speaker 5: they would pay six thousand?
Speaker 22: I don't understand any part of this, to tell you
Speaker 22: the truth.
Speaker 5: Maybe that's what they see in repairs that they're responsible
Speaker 5: for due to some of that wind. But they're saying
Speaker 5: they're not responsible for the whole roof. We're going to
Speaker 5: have to investigate this for you. Okay, who wants to
Speaker 5: help this lovely lady out?
Speaker 16: I know about State Farm?
Speaker 5: Okay, but it's not But don't say you know about
Speaker 5: State Farm because it may not be their problem. I mean,
Speaker 5: look at I'm not looking to give them a pass,
Speaker 5: but if this woman has a deteriorating roof, it's not
Speaker 5: an insurance event. We are blinded in Colorado. We believe
Speaker 5: that roofs should be paid by insurance companies, and it's
Speaker 5: not true roofs wear out.
Speaker 13: But Tom, when you agree that she needs to get
Speaker 13: the adjuster out to look at it.
Speaker 5: Of course, but he's been out there and said they'll
Speaker 5: pay six grand. So what I think is I think
Speaker 5: the adjuster saw some tiles missing from wind and said, okay,
Speaker 5: we'll pay for those repairs. I'm not sure. First, what
Speaker 5: we have to do is get Jack on from Excel
Speaker 5: Roofing to address this if you can help us arrange
Speaker 5: that book. Got Henry Henry on right now? Okay, does
Speaker 5: Henry know about this case? I need to get a
Speaker 5: few more bits of information, but he will well do
Speaker 5: that for me. Oh, he can address this case specifically.
Speaker 5: Look at Excel Roofing did nothing wrong except cleaner gutters
Speaker 5: and say you need a new roof. What I want
Speaker 5: to know is have they determined the cause of the
Speaker 5: news roof the extent of the new roof? Will six
Speaker 5: thousand dollars at least make the repair she needs so
Speaker 5: she doesn't have leaks. We need to help this woman
Speaker 5: because she doesn't have forty grand or twenty five grand? Yes,
Speaker 5: go ahead.
Speaker 15: Did she get a heat lock?
Speaker 9: I mean she's been there since ninety seven. I'm sure
Speaker 9: the house has increased traumatically and she.
Speaker 5: Can Okay, she might be able to get a hea locked,
Speaker 5: but she has no income. She has no income.
Speaker 14: Time.
Speaker 2: I think there's a more urgent matter because Judy mentioned
Speaker 2: at the beginning of her phone call that State Farm
Speaker 2: is about to cancel her if she doesn't do certain
Speaker 2: maintenance work.
Speaker 14: Is that right?
Speaker 5: Judy, Judy, I don't know what happened at Judy. Did
Speaker 5: they say that you have to do certain things before
Speaker 5: they'll cover you? Did they say they were going to
Speaker 5: cancel you, Judy?
Speaker 22: They said if I didn't get the trees trimmed and
Speaker 22: the gutters cleaned, which I have done, they would cancel
Speaker 22: me on my ninth.
Speaker 5: Okay, so did you get your trees trimmed? No?
Speaker 22: I haven't been able to find anybody. They won't return
Speaker 22: my calls.
Speaker 5: Who won't return your calls?
Speaker 12: Well?
Speaker 22: I had Cambyan, Yeah, I had Cambyan Arbors do it
Speaker 22: last year, and she.
Speaker 5: Has Do you have let me ask you something? You
Speaker 5: say you do you have any spare money at all
Speaker 5: for repairs you're gonna need around your house?
Speaker 22: I have six hundred dollars in savings towards my remainder
Speaker 22: of my property tax. I owe a thousand dollars on
Speaker 22: that in June, and I have six hundred dollars. I
Speaker 22: got to come up with another four hundred, Judy, doccad do.
Speaker 5: You understand though owning a How old are you right now? Judy?
Speaker 8: Eighty?
Speaker 5: I hope you lived many many years and I want
Speaker 5: to help you, But you're going, but coming up? Who
Speaker 5: knows what if something goes wrong in your home you
Speaker 5: don't have the money to pay for it. Well, Judy,
Speaker 5: hang on because I'm going to make a suggestion. I
Speaker 5: think that applies in your case and very few, very
Speaker 5: few cases where it actually applies, So hold on. We'll
Speaker 5: also talk to Henriette excel Roofing more right after this