WEBVTT 1 00:00:00.080 --> 00:00:11.160 Mhm Ugh, you need advice, so you don't have. 2 00:00:13.359 --> 00:00:15.679 Come run in Just as as we can. 3 00:00:17.000 --> 00:00:23.399 Shooter's gonna help come Man Dix. Is the Troubleshooter Show. Now, 4 00:00:23.920 --> 00:00:25.399 Tom Martinez. 5 00:00:26.519 --> 00:00:28.399 Kello, I'm Tom. What's happening. 6 00:00:28.440 --> 00:00:32.159 We are here for those tuning in to solve problems, 7 00:00:32.200 --> 00:00:36.799 answer questions, take complaints. It really is the only show 8 00:00:36.840 --> 00:00:39.759 anywhere that does stuff like this, and we talk about 9 00:00:39.759 --> 00:00:42.960 everyday aches and pains, the things that tick you off, 10 00:00:43.000 --> 00:00:45.280 the things that make you tick. This hour brought to 11 00:00:45.320 --> 00:00:48.479 you by and by the way, we're proud of our sponsors, 12 00:00:48.840 --> 00:00:51.399 but we also hold them accountable. I want to make 13 00:00:51.439 --> 00:00:54.399 that very clear. If you have a problem, you can 14 00:00:54.439 --> 00:00:57.479 contact us. Now that doesn't mean you're automatically right, but 15 00:00:57.560 --> 00:00:59.479 I'll tell you what. They have to dance to a 16 00:00:59.479 --> 00:01:02.359 different tea un and a higher standard and they all 17 00:01:02.399 --> 00:01:05.480 know it. Water Pros, for example, the best water system 18 00:01:05.519 --> 00:01:10.079 anywhere at the lowest prices. Waterpros dot net three three 19 00:01:10.079 --> 00:01:13.079 eight six y two five five five four. When I 20 00:01:13.159 --> 00:01:16.280 say that, I mean it. So when I talk about people, 21 00:01:16.319 --> 00:01:17.920 I want you to hold my feet to the fire. 22 00:01:19.079 --> 00:01:21.879 I just got a message today from a guy who says, ah, 23 00:01:21.959 --> 00:01:24.359 he starts out by saying you're automatically going to side 24 00:01:24.400 --> 00:01:27.799 me your sponsor because they pay you know how many 25 00:01:27.879 --> 00:01:33.400 years I've been hearing that nearly fifty years, But it's 26 00:01:33.439 --> 00:01:36.599 not true. Here's the deal. Sponsors are important, they're part. 27 00:01:36.400 --> 00:01:37.239 Of the effort. 28 00:01:38.400 --> 00:01:41.719 They help us, they help us help others at no 29 00:01:41.920 --> 00:01:45.359 charge to people. But that doesn't mean we just let 30 00:01:45.400 --> 00:01:47.280 anyone come on and spout nonsense. 31 00:01:48.640 --> 00:01:50.400 Do things. Now. 32 00:01:51.120 --> 00:01:54.519 We've made a couple of mistakes over the years, not many, 33 00:01:55.359 --> 00:01:57.159 but as soon as we find out, we correct it, 34 00:01:57.239 --> 00:02:00.000 unlike anywhere else you'll ever see in the million years. 35 00:02:02.680 --> 00:02:05.640 So let's talk about your life, liberty, and the pursuit 36 00:02:05.680 --> 00:02:09.000 of happiness. If you're on YouTube wondering where we are 37 00:02:09.479 --> 00:02:12.280 or listening, we had to reboot the computer. 38 00:02:14.120 --> 00:02:15.639 I know Mark loves when I say this. 39 00:02:16.240 --> 00:02:20.599 But I change nothing here, nothing, no settings and things change. 40 00:02:20.639 --> 00:02:22.960 They say, what did you do? I said, I did nothing. 41 00:02:24.319 --> 00:02:28.879 It's the same old song. Hey stop that, that's Shannon 42 00:02:28.960 --> 00:02:32.280 making us. But really it's the age old thing. 43 00:02:32.680 --> 00:02:33.360 What happened? 44 00:02:33.400 --> 00:02:37.159 Nothing happened, Nothing happened. Everything's the same. I change nothing, 45 00:02:37.240 --> 00:02:42.080 everything's set in stone. And then these guys wonder what 46 00:02:42.240 --> 00:02:46.159 went wrong? Anyway, that's technology. Let's talk about your life. 47 00:02:46.240 --> 00:02:48.879 Mike wants to talk about workers. Compton Deputy Doc says 48 00:02:48.879 --> 00:02:54.120 he has a follow up, and then I have a weird, weird, 49 00:02:55.120 --> 00:03:04.199 weird inquiry about a bitch. Okay, Mike, what's going on? 50 00:03:05.319 --> 00:03:10.919 Okay? Yeah, I had a workman's comb accidental back pretty 51 00:03:11.000 --> 00:03:12.639 much my right side shoulder. 52 00:03:13.719 --> 00:03:15.080 What happened? What happened? Man? 53 00:03:15.800 --> 00:03:19.520 I pull cable for a living. I was doing glow 54 00:03:19.599 --> 00:03:26.199 volt underground work and pulling conto it and things, digging trenches. Yeah, 55 00:03:26.240 --> 00:03:28.919 and we were pulling off a big spool to come 56 00:03:29.000 --> 00:03:31.400 to it. It's about a two thousand foot school at 57 00:03:31.439 --> 00:03:35.719 about two hundred feet, pulled out the spool, rolled back, 58 00:03:36.199 --> 00:03:39.159 twisted me around, put me on the ground. 59 00:03:40.400 --> 00:03:41.919 How did the spool recoil? 60 00:03:43.479 --> 00:03:45.039 There was another guy in the end that's supposed to 61 00:03:45.080 --> 00:03:47.719 keep it moving, but we were shorthanded that day. 62 00:03:48.479 --> 00:03:49.639 Did it pull your shoulder? 63 00:03:51.039 --> 00:03:54.879 It completely whipped me around, twisted me completely around, pulled 64 00:03:54.879 --> 00:03:58.719 my shoulder and twisted my back everything all in one 65 00:03:58.759 --> 00:03:59.960 motion there and laid me out. 66 00:04:00.199 --> 00:04:00.479 Wow. 67 00:04:01.639 --> 00:04:02.680 Okay, So what's going on? 68 00:04:02.719 --> 00:04:02.879 Bro? 69 00:04:03.639 --> 00:04:05.080 And that's a terrible thing to happen. 70 00:04:06.520 --> 00:04:09.599 Yeah, I was a little painful. I went to the 71 00:04:10.120 --> 00:04:15.960 you know, suggested Workmen's Comp concentra that the. 72 00:04:16.319 --> 00:04:19.000 Well, yeah, when when the employer and by the way, 73 00:04:19.120 --> 00:04:24.319 just for those listening, workers Comp was established to make 74 00:04:24.360 --> 00:04:29.160 it possible for companies to do business without threats of lawsuits. 75 00:04:29.680 --> 00:04:31.759 So they established a schedule. 76 00:04:31.279 --> 00:04:34.600 Of injuries and payments and insurance and blah blah blah. Okay, 77 00:04:34.800 --> 00:04:37.920 Now for the most part it works okay, but it's 78 00:04:38.000 --> 00:04:41.680 become pretty abusive because some of the carriers were workers 79 00:04:41.759 --> 00:04:45.040 comps set up docs and and really you put in 80 00:04:45.120 --> 00:04:49.360 a claim, you go to a doc, and most of 81 00:04:49.399 --> 00:04:53.199 the time, unfortunately, the doc says, yeah, you had a 82 00:04:53.240 --> 00:04:55.480 problem before, the work didn't cause it, or you don't 83 00:04:55.480 --> 00:04:56.480 have a problem. 84 00:04:56.160 --> 00:04:57.199 You can go back to work. 85 00:04:57.399 --> 00:05:01.000 It's it's unfortunate, not all the time, but sometimes they 86 00:05:01.079 --> 00:05:06.040 tend to skew toward the work, the the insurance company 87 00:05:06.079 --> 00:05:10.040 and the employer, and so you sometimes have to get 88 00:05:10.079 --> 00:05:12.639 an attorney to fight for you. But you filed the 89 00:05:12.720 --> 00:05:16.800 workers comp claim and you were sent to an independent 90 00:05:16.879 --> 00:05:19.439 medical examiner right or to the workers comp doc. 91 00:05:19.519 --> 00:05:20.120 What happened? 92 00:05:20.759 --> 00:05:22.879 Yeah, well, I can cent her. The very first doctor 93 00:05:22.959 --> 00:05:27.279 saw me, he did an extra in my back just 94 00:05:27.319 --> 00:05:29.680 told me he had an old back. He wouldn't do 95 00:05:29.800 --> 00:05:35.000 on on the shoulder or the elbow. As time went on. 96 00:05:35.560 --> 00:05:37.800 He well, how long ago is this injury? 97 00:05:37.839 --> 00:05:38.079 Bro? 98 00:05:38.160 --> 00:05:38.639 How long? 99 00:05:39.360 --> 00:05:41.360 Twenty one? December of twenty one? 100 00:05:41.439 --> 00:05:46.040 Oh my gosh, Oh my gosh, this was December of 101 00:05:46.079 --> 00:05:47.160 twenty twenty one. 102 00:05:47.920 --> 00:05:50.680 Okay, so keep going. What's happening now? 103 00:05:51.439 --> 00:05:55.519 All right? So anyway, six weeks at reab. He sent 104 00:05:55.600 --> 00:05:59.279 me down to physical therapy for six weeks? Did that? 105 00:05:59.360 --> 00:06:02.199 He went on. In the meantime, his pa was seeing me. 106 00:06:02.879 --> 00:06:05.519 His PA and the PT both suggested I get an 107 00:06:05.600 --> 00:06:08.959 MRI on my back, on my shoulder. The PA ordered it, 108 00:06:09.399 --> 00:06:13.399 the insurance company approved it. He comes back in vacation. 109 00:06:13.800 --> 00:06:15.600 I've already had AMRI. 110 00:06:15.920 --> 00:06:17.879 Do me a favor, Mike, do me a favor. I'm 111 00:06:17.879 --> 00:06:20.439 going to let you tell your story. What are you 112 00:06:20.439 --> 00:06:22.879 complaining about today? I mean, in a word literally or 113 00:06:22.920 --> 00:06:26.920 a sentence. Is it billing? Is it therapy? Is at work? 114 00:06:27.199 --> 00:06:28.600 What is it? But in general? 115 00:06:29.879 --> 00:06:30.000 Uh? 116 00:06:31.480 --> 00:06:34.680 Basically, he didn't. When he came back to vacation. 117 00:06:34.480 --> 00:06:37.680 He basically, what are you complaining about? Is it the 118 00:06:37.759 --> 00:06:38.399 billing part? 119 00:06:38.519 --> 00:06:38.800 Money? 120 00:06:38.839 --> 00:06:40.360 Does it have to do with money? Does it have 121 00:06:40.439 --> 00:06:42.079 to do with your job. Does it have to do 122 00:06:42.439 --> 00:06:43.000 with care? 123 00:06:44.040 --> 00:06:46.920 He caused me to lose my job. I quit all 124 00:06:46.959 --> 00:06:50.279 my care after six weeks that I was healthy, Okay, 125 00:06:50.639 --> 00:06:53.319 didn't I didn't do any follow ups any So he said, you. 126 00:06:53.240 --> 00:06:57.120 Were medically you reached what was called maximum medical improvement, 127 00:06:57.199 --> 00:06:58.399 and you should go back to work. 128 00:06:59.480 --> 00:07:02.319 Yes, though the insurance come here to prove the MRIA. 129 00:07:02.399 --> 00:07:03.959 I never got it on my shoulder. 130 00:07:04.360 --> 00:07:06.800 Oh you never got it? Why didn't you? So the 131 00:07:06.920 --> 00:07:09.079 doc said you reached MMI. 132 00:07:10.079 --> 00:07:11.959 Yeah, the day he got back in vacation. 133 00:07:12.040 --> 00:07:13.920 The first rank got it. I got it, man, I 134 00:07:14.000 --> 00:07:15.920 get the vacation part. And how you didn't like that? 135 00:07:16.399 --> 00:07:19.079 So the doc said, you reached. And by the way, 136 00:07:19.120 --> 00:07:21.519 none of this has anything the reason I'm saying. 137 00:07:21.800 --> 00:07:23.279 He said you reached MMI. 138 00:07:23.000 --> 00:07:24.720 And you keep saying, well, he came back from vacation, 139 00:07:24.839 --> 00:07:29.160 I was under his pet, his physician's assistant, blah blah blah. 140 00:07:29.160 --> 00:07:31.519 None of that matters. None of that matters when it 141 00:07:31.519 --> 00:07:34.199 comes to appealing. And I'm assuming you appealed, because if 142 00:07:34.240 --> 00:07:36.279 you didn't, you ran out of time. So back in, 143 00:07:36.560 --> 00:07:40.399 when did he say you reached maximum medical improvement? 144 00:07:41.480 --> 00:07:44.000 On January twenty first of twenty two. 145 00:07:44.720 --> 00:07:47.040 Wow, what a month later? 146 00:07:48.079 --> 00:07:48.319 Yep? 147 00:07:49.120 --> 00:07:53.360 Oh man, that was fast. Huh okay? So then what 148 00:07:53.839 --> 00:07:56.920 so you created? So they were expecting you to go 149 00:07:57.040 --> 00:07:59.360 back to work and you didn't feel like you could. 150 00:07:59.600 --> 00:08:01.959 So let me make along. Did you get fired or 151 00:08:02.000 --> 00:08:02.639 did you quit? 152 00:08:03.839 --> 00:08:06.160 I get fired? Basically they let me go since they. 153 00:08:06.079 --> 00:08:07.040 Can Now why did they? 154 00:08:07.079 --> 00:08:09.120 Did they let you go because you refuse to go 155 00:08:09.240 --> 00:08:11.920 back or because when you did go back you couldn't 156 00:08:11.959 --> 00:08:12.360 do the work? 157 00:08:12.399 --> 00:08:15.000 What was it? What was the reason they gave? Officially? 158 00:08:16.560 --> 00:08:18.319 I could not go back to work. I asked for 159 00:08:18.439 --> 00:08:20.079 light duty. They wouldn't give it to. 160 00:08:20.040 --> 00:08:22.879 Me, okay, And so then you didn't show up. 161 00:08:22.920 --> 00:08:25.160 Then if they they didn't give you light duty, and 162 00:08:25.199 --> 00:08:30.040 you thought, man, I can't do this right right, Okay, 163 00:08:30.519 --> 00:08:32.799 I get you? And then they said, well, if you 164 00:08:32.799 --> 00:08:35.240 can't do the job, you don't get you. 165 00:08:35.240 --> 00:08:36.919 You don't have your job anymore? Right? 166 00:08:37.799 --> 00:08:37.960 Right? 167 00:08:38.519 --> 00:08:42.759 Did they make Did you make any kind of settlement whatsoever? 168 00:08:42.919 --> 00:08:44.080 Did you hire an attorney? 169 00:08:44.120 --> 00:08:46.279 Did you do anything to help yourself? Yet? 170 00:08:47.000 --> 00:08:47.200 Yeah? 171 00:08:47.240 --> 00:08:48.080 I did all of that. 172 00:08:48.720 --> 00:08:50.240 Now did you have an attorney? 173 00:08:51.080 --> 00:08:51.440 I did? 174 00:08:51.720 --> 00:08:52.799 What did the attorney do? 175 00:08:53.639 --> 00:08:56.679 He pretty much folded on the first offer. 176 00:08:57.720 --> 00:09:00.480 Well wait, wait when you say offer, is this an 177 00:09:00.480 --> 00:09:02.039 offer after they fired you? 178 00:09:03.080 --> 00:09:06.480 Yes, this was almost a year later. 179 00:09:06.879 --> 00:09:11.519 Did the doctor claim that when you reached MMI that 180 00:09:11.600 --> 00:09:14.279 you had any percentage of disability? 181 00:09:15.159 --> 00:09:17.799 Nope? He said, no limitations, no restrictions. 182 00:09:18.639 --> 00:09:23.159 Okay, okay, now you disagreed with that. So when you 183 00:09:23.240 --> 00:09:26.879 hired the attorney, it was to go sue them because 184 00:09:27.440 --> 00:09:28.919 you thought it was a bad deal. 185 00:09:30.639 --> 00:09:34.080 I was just going through the workmen's comp process, going 186 00:09:34.120 --> 00:09:34.960 to the hearing. 187 00:09:34.960 --> 00:09:37.480 And did you have a final hearing and did you 188 00:09:37.559 --> 00:09:38.279 have an outcome? 189 00:09:39.559 --> 00:09:39.600 No? 190 00:09:40.200 --> 00:09:42.279 We never made it to the hearing because my lawyer 191 00:09:42.399 --> 00:09:44.559 wasn't prepped and he said he'd have to postpost. 192 00:09:44.639 --> 00:09:47.080 Where does it stand? Is what I'm asking man, Where 193 00:09:47.080 --> 00:09:49.360 does it stand? You didn't get a final ruling, so 194 00:09:49.440 --> 00:09:51.279 where is it? Is it still in litigation? 195 00:09:52.399 --> 00:09:52.519 Now? 196 00:09:52.679 --> 00:09:56.480 We settled because my lawyer, like I said, he wasn't prepped. 197 00:09:56.480 --> 00:09:57.679 He said, how much did. 198 00:09:57.559 --> 00:09:58.320 You settle for? 199 00:09:59.159 --> 00:10:00.120 Sixty? 200 00:10:01.080 --> 00:10:04.320 Okay? Now you're calling for what that? 201 00:10:04.519 --> 00:10:04.799 Now? 202 00:10:04.840 --> 00:10:05.320 I got it. 203 00:10:05.679 --> 00:10:08.799 You don't like any of this. You settled for sixty. 204 00:10:09.039 --> 00:10:11.120 When we come back, I want you to I want 205 00:10:11.120 --> 00:10:12.960 to know what you want us to do. We're going 206 00:10:13.039 --> 00:10:17.080 to prime our attorney who does workers comp to have 207 00:10:17.159 --> 00:10:19.360 them standing by so we can give you some advice. 208 00:10:19.840 --> 00:10:24.519 Get Cliff Enton on Enton Law Kachina. I'm Tom Martine. 209 00:10:25.120 --> 00:10:30.720 This happens all the time. However, sometimes people may wait 210 00:10:30.759 --> 00:10:32.840 a little too long. I don't know what's going to 211 00:10:32.879 --> 00:10:36.879 happen here. But for everyone working, you want to hear this, okay. 212 00:10:37.159 --> 00:10:40.159 And by the way, Denverregen dot com speaking of injuries. 213 00:10:40.200 --> 00:10:43.200 Of course workers Comp won't pay for it, unfortunately, but 214 00:10:43.240 --> 00:10:46.320 a lot of people do stem cell therapy Denverregen dot com. 215 00:10:46.600 --> 00:10:48.960 I love these people. They do a great job. 216 00:10:49.320 --> 00:10:57.639 Denverregen dot com. Go with a sure thing Denver's best 217 00:10:57.720 --> 00:11:01.759 roofer Excel Roofing dot com. Pay a cent until you're content. 218 00:11:05.120 --> 00:11:08.320 Time for an insurance check up free, no obligation. In comparison, 219 00:11:08.440 --> 00:11:12.000 call Compass Insurance paying too much your coverage at dozens 220 00:11:12.000 --> 00:11:14.759 of insurance companies find out now three all three seven 221 00:11:14.840 --> 00:11:17.639 seven to one help. You'll think you're his only customer 222 00:11:17.679 --> 00:11:19.960 when you choose Frank durand the real estate Man dot 223 00:11:19.960 --> 00:11:23.320 com to list your home with Remax Alliance three oh 224 00:11:23.320 --> 00:11:30.279 three nine two zero sixteen twenty two. I'm Tom Martino, 225 00:11:30.320 --> 00:11:31.120 you're a troubleshooter. 226 00:11:31.559 --> 00:11:33.440 I want to get cliff Enton on. I'll call him, 227 00:11:33.840 --> 00:11:34.480 I'll get him on. 228 00:11:34.960 --> 00:11:38.120 We're just gonna call him from my phone here and 229 00:11:38.279 --> 00:11:41.679 uh try to get him on here. Three oh three 230 00:11:41.720 --> 00:11:45.360 seven one three talk seven one three A two five five. Hey, 231 00:11:46.279 --> 00:11:47.159 what's happening though? 232 00:11:47.240 --> 00:11:47.519 Really? 233 00:11:47.759 --> 00:11:49.679 Uh, we're going to try to get an answer for 234 00:11:49.759 --> 00:11:54.480 this worker's colm. Uh but uh so please hang on, Mike. Okay, 235 00:11:54.519 --> 00:11:55.679 I promise you, we'll get to you. 236 00:11:56.639 --> 00:11:58.879 Sherry. What's going on with you? Sherry? Welcome? 237 00:12:00.039 --> 00:12:00.279 Yeah? 238 00:12:00.919 --> 00:12:01.440 Is it Tom? 239 00:12:02.039 --> 00:12:03.679 Yes, it is Sherry. What's happening? 240 00:12:03.720 --> 00:12:03.960 Okay? 241 00:12:04.360 --> 00:12:04.879 Oh my gosh? 242 00:12:05.120 --> 00:12:05.440 Okay? 243 00:12:05.519 --> 00:12:08.039 So I was hired by so many toxic I was 244 00:12:08.120 --> 00:12:10.919 hired by an agency to be a home healthcare provider? 245 00:12:11.399 --> 00:12:15.039 Okay, so it was an agency that you worked for? 246 00:12:15.200 --> 00:12:16.279 Yes, great? 247 00:12:16.559 --> 00:12:17.679 Correct, all right? 248 00:12:17.919 --> 00:12:20.519 One week short, one week short of a year. So 249 00:12:20.759 --> 00:12:24.279 what happened is I'd gotten even great Google reviews that 250 00:12:24.360 --> 00:12:27.159 I was doing a great job, never once caught a complaint. 251 00:12:27.720 --> 00:12:30.080 I had kept asking them, how come I'm not getting 252 00:12:30.120 --> 00:12:32.840 paid for two people? I should at least be getting 253 00:12:32.840 --> 00:12:34.039 twenty you know, I was getting sixteen? 254 00:12:34.159 --> 00:12:36.240 Why were you let go? Though? To begin with why 255 00:12:36.600 --> 00:12:39.519 Okay I missed that part because. 256 00:12:39.559 --> 00:12:42.360 Okay, why I was terminated? Where what it came down through? 257 00:12:42.399 --> 00:12:44.679 This all happened in a three week period. I injured 258 00:12:44.720 --> 00:12:48.759 myself trying to protect the woman from a fall. And 259 00:12:48.799 --> 00:12:51.399 this is after I'd already been complaining about Hey, I 260 00:12:51.440 --> 00:12:53.960 went to the doctor. She now wants me to go 261 00:12:53.960 --> 00:12:56.279 to the emergency room. But now they're ignoring me. They 262 00:12:56.399 --> 00:13:00.360 terminated me in the moment because they claimed and I 263 00:13:00.639 --> 00:13:02.600 stole a ring, but then they found it. 264 00:13:03.440 --> 00:13:05.799 Do you think they were looking for Sherry? Do you 265 00:13:05.840 --> 00:13:10.000 think because you were complaining about pay and you got injured, 266 00:13:10.320 --> 00:13:12.720 they're thinking this girl's like she's trouble. 267 00:13:13.840 --> 00:13:16.080 Yes, I think. But I lasted the I mean I 268 00:13:16.120 --> 00:13:18.279 it was my first I hadn't complained, There had been 269 00:13:18.320 --> 00:13:23.279 no issues. Like I said, they loved me. They would sometimes, 270 00:13:23.399 --> 00:13:24.919 you know, they would buy me gifts. I mean, it 271 00:13:25.000 --> 00:13:28.159 was never a complaint, never want to complaint. And then 272 00:13:28.279 --> 00:13:29.200 the woman. 273 00:13:28.879 --> 00:13:31.639 Then, but what is the official reason you were like, 274 00:13:31.799 --> 00:13:33.759 what is the official reason you were let go? 275 00:13:33.960 --> 00:13:37.559 The official reason was that I stole the ring, but they. 276 00:13:37.440 --> 00:13:40.159 Found the ring since and how do you know they 277 00:13:40.200 --> 00:13:40.679 found it? 278 00:13:41.840 --> 00:13:46.240 I heard from the son who lives in Florida because 279 00:13:46.240 --> 00:13:48.279 he still talks to the couple that I took care 280 00:13:48.320 --> 00:13:50.399 of because they didn't want me gone. They were so 281 00:13:50.639 --> 00:13:53.200 sad and they kept begging for me to come back, 282 00:13:53.240 --> 00:13:54.000 and they were they. 283 00:13:53.919 --> 00:13:55.600 Were so they told you. 284 00:13:55.639 --> 00:13:58.440 They actually said to you, Sherry, we have to let 285 00:13:58.480 --> 00:13:59.720 you go because there's a ring. 286 00:13:59.759 --> 00:14:00.000 Miss. 287 00:14:00.240 --> 00:14:02.360 Yes, I'll have it all in text. It was all done. 288 00:14:02.399 --> 00:14:05.279 Oh good, save that, save that, save that. So then 289 00:14:05.320 --> 00:14:06.559 what happened after that? 290 00:14:06.960 --> 00:14:09.879 Okay, so as they won't communicate with me now? 291 00:14:10.279 --> 00:14:14.600 And did you not get did they withhold? Did they 292 00:14:14.639 --> 00:14:15.440 withhold pay? 293 00:14:16.679 --> 00:14:18.159 Yes, they've even withheld pay. 294 00:14:18.240 --> 00:14:19.519 I think how much pay. 295 00:14:21.559 --> 00:14:22.159 So far? 296 00:14:22.399 --> 00:14:24.720 It's what they want paying me that they should have 297 00:14:24.759 --> 00:14:27.559 been because I had contacted Medicaid to find out was 298 00:14:27.600 --> 00:14:30.360 I supposed to be paying because Medicaid covered them. 299 00:14:30.840 --> 00:14:34.159 And that's yeah, but you don't necessarily, Shrey, you don't 300 00:14:34.200 --> 00:14:37.960 necessarily get what Medicaid reimburses, you get whatever. 301 00:14:38.080 --> 00:14:41.519 I know that, but I wanted the two people pay, 302 00:14:41.639 --> 00:14:44.360 not one people pay. That's all because I know they 303 00:14:44.440 --> 00:14:46.879 get something like thirty six for patient or something, but 304 00:14:46.960 --> 00:14:48.919 I was only making fifteen. I was fine with that. 305 00:14:49.759 --> 00:14:53.519 But here's what I need Cherry, I need to understand this. 306 00:14:53.639 --> 00:14:57.320 Now you're saying that in one household you were taking 307 00:14:57.320 --> 00:15:02.840 care of two people, correct, And you're saying that when 308 00:15:02.879 --> 00:15:05.919 you went to work, it was your understanding you would 309 00:15:05.960 --> 00:15:07.000 be paid per person. 310 00:15:09.240 --> 00:15:10.919 Yeah, because that's how it works. 311 00:15:10.960 --> 00:15:12.240 Like, it doesn't matter. 312 00:15:12.440 --> 00:15:16.600 It doesn't matter what Medicaid pays for two people. 313 00:15:16.679 --> 00:15:17.480 They don't know that. 314 00:15:18.000 --> 00:15:20.399 But I was just letting you know they were there, 315 00:15:20.399 --> 00:15:21.279 both covers. 316 00:15:21.840 --> 00:15:25.240 But it doesn't matter, Sherry, Sherry, Please, I want to 317 00:15:25.240 --> 00:15:27.240 help you, I swear to God, but you have to 318 00:15:27.320 --> 00:15:30.440 have the right argument. If you go in saying there 319 00:15:30.480 --> 00:15:33.159 were two people, they weren't paying me for two people 320 00:15:33.919 --> 00:15:37.840 and Medicaid they're both covered. But your job was to 321 00:15:37.879 --> 00:15:40.279 get paid by the hour, no matter how many people. 322 00:15:40.360 --> 00:15:43.039 You don't have an argument. I need to know what 323 00:15:43.320 --> 00:15:48.320 was your agreement with the agency when you went to work. 324 00:15:48.720 --> 00:15:53.519 It doesn't matter who's covered in the house. What matters 325 00:15:53.919 --> 00:15:57.360 is as long as they're paying you minimum wage, you're 326 00:15:57.440 --> 00:16:00.600 covered unless they they like to you. 327 00:16:00.840 --> 00:16:04.360 What did they say, Okay, So how I did it 328 00:16:04.399 --> 00:16:07.399 was they said for the first four hours you'll be 329 00:16:07.480 --> 00:16:11.039 paid for the life, and then for the second four hours. 330 00:16:11.080 --> 00:16:12.799 But it was always you know, I worked way more 331 00:16:12.799 --> 00:16:16.279 than forty two hours a week, but they said then 332 00:16:16.360 --> 00:16:20.000 the second four hours will be the husband, and that 333 00:16:20.159 --> 00:16:21.919 like so they would separate it like that. 334 00:16:22.159 --> 00:16:24.799 They would do so you would only be paid for 335 00:16:24.879 --> 00:16:26.600 one at a time, is what they're saying. 336 00:16:27.519 --> 00:16:28.080 Exactly. 337 00:16:28.480 --> 00:16:31.600 Yeah, because they were trying to profit more. I understand that. 338 00:16:31.720 --> 00:16:36.399 But however, if you agreed to that, technically, if you 339 00:16:36.480 --> 00:16:40.080 were supposed to divide your time, then they don't have 340 00:16:40.200 --> 00:16:41.399 to pay you anymore. 341 00:16:42.759 --> 00:16:46.559 Okay, So then all right, that's that I understand. But 342 00:16:46.639 --> 00:16:50.000 then and I would have been willing to accept that 343 00:16:50.039 --> 00:16:51.960 because I just could think and we talk about it, 344 00:16:52.000 --> 00:16:55.200 and we talk about it, and they would always just not. 345 00:16:56.080 --> 00:16:59.200 So then what happened was I got injured. And that's 346 00:16:59.240 --> 00:17:04.319 why I seen. Then this happened because the lady had 347 00:17:04.319 --> 00:17:06.799 a procedure. So I saved her from a fault. I 348 00:17:06.880 --> 00:17:09.960 get it telling you, Yeah, so I got her though. 349 00:17:10.440 --> 00:17:13.160 No, I get so they can't. 350 00:17:13.359 --> 00:17:16.359 They shouldn't fire you for being injured or for complaining. 351 00:17:16.640 --> 00:17:18.440 But but what I want to know is how long 352 00:17:18.480 --> 00:17:20.279 ago was this. 353 00:17:20.279 --> 00:17:22.920 This was all done about two and a half weeks ago. 354 00:17:23.000 --> 00:17:26.000 The final day was July third. Chances of the day 355 00:17:26.039 --> 00:17:26.920 they terminated me. 356 00:17:28.359 --> 00:17:31.480 Okay, now here's the deal. 357 00:17:32.319 --> 00:17:35.279 You're going to have a good argument, maybe for retaliation, 358 00:17:36.079 --> 00:17:38.039 I don't know. I don't think you're going to have 359 00:17:38.079 --> 00:17:42.200 an argument for not getting paid enough if you agreed 360 00:17:42.240 --> 00:17:43.200 to split your time. 361 00:17:43.519 --> 00:17:45.119 Now, I know what you're saying. 362 00:17:45.359 --> 00:17:49.240 In reality, there's no way you have two hours for one, 363 00:17:49.279 --> 00:17:50.920 I mean four hours for one or four hours for 364 00:17:50.960 --> 00:17:53.359 another if you're there caring for the second one and 365 00:17:53.400 --> 00:17:54.799 the first one has an issue. 366 00:17:55.799 --> 00:17:57.680 They were just they were just sneaky. 367 00:17:57.920 --> 00:18:01.279 They're trying to get double reimburse for Medicaid but only 368 00:18:01.279 --> 00:18:02.160 pay you for one. 369 00:18:02.559 --> 00:18:04.799 I get it. I get what you're saying. 370 00:18:04.880 --> 00:18:09.359 But they are two separate issues, really, and it sucks. 371 00:18:09.519 --> 00:18:10.920 It really does now. 372 00:18:10.960 --> 00:18:12.559 Because there's even a third issue. 373 00:18:12.559 --> 00:18:16.960 Though, what's the third it's the third issue. 374 00:18:16.559 --> 00:18:17.880 To fire me? Fire me? 375 00:18:17.920 --> 00:18:19.519 When they claimed I stole that ring? 376 00:18:19.599 --> 00:18:22.079 Oh that's right, that's right. That was a false accusation. 377 00:18:22.599 --> 00:18:25.680 Now are they Do you have in text from the 378 00:18:25.799 --> 00:18:28.519 own Do you have in text from the homeowners that 379 00:18:28.559 --> 00:18:29.400 they found the ring? 380 00:18:31.319 --> 00:18:31.480 No? 381 00:18:31.559 --> 00:18:36.079 I have a talk with the sun Well they. 382 00:18:36.039 --> 00:18:39.319 Okay, what I'm asking is this, if you challenge talk 383 00:18:39.400 --> 00:18:43.480 to me, Okay, But if you challenge the agency, will 384 00:18:43.559 --> 00:18:45.960 the sun come to your rescue and say we found 385 00:18:45.960 --> 00:18:46.359 that ring? 386 00:18:47.440 --> 00:18:47.599 Well? 387 00:18:47.680 --> 00:18:47.920 Yeah? 388 00:18:47.960 --> 00:18:50.720 And they instead, when I was trying to talk to something, 389 00:18:50.799 --> 00:18:53.440 they said because originally they said we want you to 390 00:18:53.480 --> 00:18:56.079 take a polygraph. I said, absolutely, step me up. 391 00:18:56.440 --> 00:18:57.119 I'm good with that. 392 00:18:58.039 --> 00:19:00.880 And then I kept waiting to I've been fired. And 393 00:19:00.920 --> 00:19:02.559 I was desperate because how am I going to get 394 00:19:02.559 --> 00:19:04.039 a job now? How am I going to go say 395 00:19:04.039 --> 00:19:07.240 when I've been accused? And so I texted something or 396 00:19:07.319 --> 00:19:10.240 called saying, hey, I heard the ring was counter I 397 00:19:10.279 --> 00:19:12.359 need to know where to take this polygraph? He says, 398 00:19:12.480 --> 00:19:15.680 you would reach me, the investigators would reach out to me, 399 00:19:16.559 --> 00:19:20.920 and they said, do not contact anymore. So I had 400 00:19:21.000 --> 00:19:24.440 and they said unless it's illegal, And I'm like what, 401 00:19:25.240 --> 00:19:27.599 And now I'm stuck in this position. I'm going to 402 00:19:28.079 --> 00:19:28.640 you fired me? 403 00:19:29.160 --> 00:19:31.319 Were you a W two? Were you a dou W 404 00:19:31.559 --> 00:19:32.480 two employee? 405 00:19:32.680 --> 00:19:35.400 Okay, you know we need to figure this one out 406 00:19:35.480 --> 00:19:38.279 because I think they're they're putting the screws to you. 407 00:19:38.359 --> 00:19:41.119 Now whether we can legally do something about it. We're 408 00:19:41.160 --> 00:19:43.960 trying to get Cliff Enton on, who is an attorney 409 00:19:44.039 --> 00:19:46.039 that does workers comp and other stuff. 410 00:19:47.000 --> 00:19:48.480 He might have some insights. 411 00:19:48.480 --> 00:19:51.759 We're trying to get him on for Mike's workers comp issue. 412 00:19:51.799 --> 00:19:55.000 If you can hang on, we can kill two birds 413 00:19:55.039 --> 00:19:58.799 with one stone, So hang on. I'm Tom Martine. Are 414 00:19:58.799 --> 00:20:02.960 they playing sneaky? Sneaky? And I wonder if it violates 415 00:20:03.000 --> 00:20:07.039 any Medicaid? Maybe we get Mark. 416 00:20:06.839 --> 00:20:10.480 Who is that uh he left? 417 00:20:10.599 --> 00:20:11.640 He left from it? 418 00:20:12.079 --> 00:20:17.240 Okay, we had someone, uh angel, some kind of angels 419 00:20:17.240 --> 00:20:21.519 help or something that helped with older people with older 420 00:20:21.599 --> 00:20:24.960 issues healthcare and all that home health. I wonder if 421 00:20:24.960 --> 00:20:28.400 she would know about the rules for Medicaid or when 422 00:20:28.400 --> 00:20:33.119 it comes to home healthcare. I think what we can 423 00:20:33.160 --> 00:20:37.039 do is look into that too. I'm Tom Martino. Three 424 00:20:37.200 --> 00:20:40.640 oh three seven one three talk three oh three seven 425 00:20:40.720 --> 00:20:43.200 one three eight two five five eight eight eight Heating 426 00:20:43.279 --> 00:20:48.079 dot Com good honest people. You know we get no 427 00:20:48.160 --> 00:20:52.440 complaints about these people. Yeah, serious story. And when it 428 00:20:52.440 --> 00:20:55.440 comes to heating and air, that's serious because that means 429 00:20:55.599 --> 00:20:58.440 they're doing something right right and they'll look at your 430 00:20:58.480 --> 00:21:02.880 air and they'll give you free second opinions and diagnosis 431 00:21:02.920 --> 00:21:05.480 you can trust. Three oh three seven seven zero two 432 00:21:05.559 --> 00:21:12.480 seven seven six go with a sure thing Denver's Best 433 00:21:12.559 --> 00:21:15.440 roofer Excel roofing dot com. You don't pay a cent 434 00:21:15.640 --> 00:21:21.720 until you're content. Time for an insurance check up free, 435 00:21:21.759 --> 00:21:25.519 no obligation. In comparison, call Compass Insurance paying too much 436 00:21:25.640 --> 00:21:28.599 your coverage at dozens of insurance companies find out now 437 00:21:28.640 --> 00:21:31.160 three oh three seven seven to one help. You'll think 438 00:21:31.160 --> 00:21:33.720 you're his only customer when you choose Frank durand the 439 00:21:33.799 --> 00:21:36.440 real estate Man dot com to list your home with 440 00:21:36.559 --> 00:21:40.119 Remax Alliance three oh three nine two zero sixteen twenty two. 441 00:21:45.480 --> 00:21:50.279 Hi Tom Martino, your troubleshooter three O three seven one 442 00:21:50.319 --> 00:21:55.759 three talk seven one three eight two five five. Welcome 443 00:21:55.799 --> 00:21:59.480 to the show, and we're trying to get on an 444 00:21:59.480 --> 00:22:02.319 attorney to talk about both of these issues. I think 445 00:22:03.440 --> 00:22:05.799 it's hard to say if Sherry has a case. You know, 446 00:22:05.920 --> 00:22:09.680 so many people are fired for cause and then they 447 00:22:09.799 --> 00:22:10.759 change the cause. 448 00:22:11.519 --> 00:22:13.319 She's being ghosted now. 449 00:22:14.839 --> 00:22:19.759 Out of curiosity, Sherry, who is the healthcare agency? Because 450 00:22:20.519 --> 00:22:22.880 the reason I ask we had an issue with a 451 00:22:22.880 --> 00:22:24.000 healthcare agency once? 452 00:22:24.079 --> 00:22:25.920 I just want to know who is it? 453 00:22:27.200 --> 00:22:31.480 Well, it's do you think I'm legally allowed to say that? 454 00:22:32.160 --> 00:22:32.599 I don't know. 455 00:22:32.720 --> 00:22:35.880 Hold on, Sherry, Sherry, what do you what do you 456 00:22:35.920 --> 00:22:36.880 mean legally allowed. 457 00:22:38.559 --> 00:22:39.079 I just don't. 458 00:22:39.880 --> 00:22:42.160 Well, no, here's what I'm saying. It's America. It's called 459 00:22:42.200 --> 00:22:44.480 freedom of speech. Now, if you're lying. 460 00:22:44.279 --> 00:22:47.440 About them, then it would be to your peril. Okay. 461 00:22:47.559 --> 00:22:49.680 So if you're saying that you work for them and 462 00:22:49.720 --> 00:22:51.359 it's the truth, give me their name. 463 00:22:51.720 --> 00:22:57.400 Okay, First Premiere Home Healthcare, Premiere Okay, yes, first, it's 464 00:22:57.440 --> 00:23:01.079 called First First Premiere. 465 00:23:00.960 --> 00:23:02.720 Home Health Okay. 466 00:23:02.799 --> 00:23:07.440 I want I want Deputy Doc to give them a 467 00:23:07.480 --> 00:23:12.559 call just in general, to say what about I want 468 00:23:12.599 --> 00:23:16.359 them just to call to ask why they're not talking 469 00:23:16.400 --> 00:23:18.799 to you. And if they refer us to an attorney, Doc, 470 00:23:18.880 --> 00:23:23.039 get the attorney's name, you guys, We're gonna try it now, Doc, 471 00:23:23.480 --> 00:23:25.200 So hold on all right, Sherry. We're going to try 472 00:23:25.240 --> 00:23:27.319 to get a hold of you. And then for some 473 00:23:27.440 --> 00:23:33.400 reason Cliff is not available. We're trying to get where 474 00:23:33.680 --> 00:23:35.240 is he on? Is he out of town or. 475 00:23:35.240 --> 00:23:38.559 What Cliff is overseas? Damn it? Okay, got it? Got it? 476 00:23:38.599 --> 00:23:39.680 Got enough? Said? Okay? 477 00:23:42.240 --> 00:23:46.680 Who do we have for backup on that? For workers com? 478 00:23:47.319 --> 00:23:51.200 See if John Fuller knows about workers comp and if not, 479 00:23:53.279 --> 00:23:55.559 we just may have to call someone else because I 480 00:23:56.039 --> 00:23:59.160 just need to figure this out. On both of these issues. 481 00:23:59.519 --> 00:24:03.200 They're really good topics. So let's check with Fuller and 482 00:24:03.240 --> 00:24:08.160 if not, we'll have to figure it out. But meanwhile, 483 00:24:09.079 --> 00:24:11.200 that's what we do. We rely on our experts. 484 00:24:12.000 --> 00:24:14.480 Now, yes, I have some good follow up, but yeah, 485 00:24:14.480 --> 00:24:15.880 that's what I was going to say. I was going 486 00:24:15.960 --> 00:24:18.079 to go to yours. So what is it? What case 487 00:24:18.119 --> 00:24:19.000 are we talking about? 488 00:24:19.279 --> 00:24:19.640 Ronda? 489 00:24:19.799 --> 00:24:23.160 Yesterday? Got it? Ronda had a T mobile damaged and 490 00:24:23.200 --> 00:24:25.960 this is really weird. She wanted to replace the screen. 491 00:24:26.079 --> 00:24:29.119 So you pay ninety nine dollars deductible and under assurant, 492 00:24:29.160 --> 00:24:31.920 they send you a rebuilt phone, you send yours back. 493 00:24:32.240 --> 00:24:35.599 To make a long story short, they're claiming hers has 494 00:24:35.640 --> 00:24:39.200 not been scanned into the system, so they charged her 495 00:24:39.240 --> 00:24:42.079 four hundred dollars for having two phones. She said, I 496 00:24:42.119 --> 00:24:46.200 sent my old phone back and it was just a cluster. 497 00:24:46.599 --> 00:24:48.799 And I said, you know, Doc, she needs some help here. 498 00:24:48.839 --> 00:24:49.920 So what's going on, man? 499 00:24:50.319 --> 00:24:54.519 So anyway, I call Rondo after the show. Yeah, and 500 00:24:54.559 --> 00:24:58.160 she said, you know what, T Mobile heard that Doc 501 00:24:58.279 --> 00:25:01.799 was on the case. They called her without my having 502 00:25:01.839 --> 00:25:04.559 to make a call, and they're giving her money back. 503 00:25:06.440 --> 00:25:08.759 And that's T Mobile, right, that's correct. 504 00:25:09.039 --> 00:25:12.200 Good, you know and you might joke about that, but 505 00:25:12.720 --> 00:25:16.160 the fact, you know, the fact that you get on 506 00:25:16.160 --> 00:25:17.960 the radio and talk about it, they hear about it, 507 00:25:18.319 --> 00:25:22.680 the people. Yeah, you know, after she was on the show, 508 00:25:22.759 --> 00:25:25.759 she got a refund. Right, So I'm going to do this. 509 00:25:26.119 --> 00:25:28.160 And by the way, you don't have to do a 510 00:25:28.240 --> 00:25:30.279 shan And I have my own when I'm at home, 511 00:25:30.759 --> 00:25:36.400 I have access to my own dinger. So yes, Doc, 512 00:25:36.599 --> 00:25:37.519 that's the good news. 513 00:25:37.960 --> 00:25:41.119 The bad news is, remember Dave called about his dog. 514 00:25:42.480 --> 00:25:44.720 Oh wait, wait, wait, wait wait wait? Which one was that? 515 00:25:45.119 --> 00:25:46.839 A year old puppy with a micro chip? 516 00:25:46.960 --> 00:25:47.079 Right? 517 00:25:47.200 --> 00:25:48.880 Oh yeah, yeah yeah, let me let me give that. 518 00:25:49.079 --> 00:25:52.279 Let me give that recap for people. So what happened 519 00:25:52.359 --> 00:25:57.480 was this dog had he adopted a puppy with a 520 00:25:57.519 --> 00:26:02.279 microchip from dumb friends league. Now apparently there were two 521 00:26:02.319 --> 00:26:06.599 microchips because the information in there. He had the old 522 00:26:06.640 --> 00:26:11.119 owner plus him. Apparently, according to David, the old owner 523 00:26:11.200 --> 00:26:12.759 abandoned the dog. 524 00:26:13.559 --> 00:26:15.599 Okay, so he adopted the dog. 525 00:26:15.640 --> 00:26:18.400 It got out of the yard twice and then when 526 00:26:18.400 --> 00:26:21.960 it was recovered, most recently, it was taken to Riverside shelter. 527 00:26:22.799 --> 00:26:26.880 They called the original owner and gave the dog to her. 528 00:26:27.359 --> 00:26:29.839 And now the original owner says, this is my dog. 529 00:26:30.119 --> 00:26:33.519 I never gave up the dog. David says, oh no, 530 00:26:33.759 --> 00:26:37.039 you abandoned it, and we have a record of that, 531 00:26:37.240 --> 00:26:39.359 or supposedly dumb friend's league. 532 00:26:39.359 --> 00:26:40.319 So what's the story. 533 00:26:40.480 --> 00:26:43.519 Well, I told him to go down to the dumb 534 00:26:43.519 --> 00:26:47.200 friends league, thee on Quebec and Ilift. Yeah, of course 535 00:26:47.640 --> 00:26:51.000 they so waled him. They said, sorry, we can't help you. 536 00:26:51.519 --> 00:26:54.480 The chip was put in there first, so that's the 537 00:26:54.480 --> 00:26:58.720 one that counts. And they wouldn't show him any documentation. 538 00:26:59.079 --> 00:27:01.160 Well that's because they don't have any right. 539 00:27:01.319 --> 00:27:06.119 Well, they wouldn't show many documentations that the lady relinquished 540 00:27:06.119 --> 00:27:10.880 the dog. So at this point it's so said, too bad, 541 00:27:11.720 --> 00:27:15.759 you can't have a dog back. So you know, apparently 542 00:27:16.519 --> 00:27:18.480 I'm gonna go down there because it's on my way 543 00:27:18.480 --> 00:27:21.960 home and see why they can't give him. If what 544 00:27:22.000 --> 00:27:24.519 they say is true, they should be able to provide 545 00:27:24.559 --> 00:27:27.240 a copy of. 546 00:27:26.400 --> 00:27:26.920 How about this? 547 00:27:27.680 --> 00:27:31.880 How about this? How about they did not get anything 548 00:27:32.440 --> 00:27:32.759 where she. 549 00:27:34.240 --> 00:27:34.920 Abandoned it? 550 00:27:35.319 --> 00:27:38.720 So what so what if that dog was lost and 551 00:27:38.799 --> 00:27:42.240 never returned to her rightfully and they adopted it out, 552 00:27:42.599 --> 00:27:46.319 they screwed up by not scanning that original chip. Now, 553 00:27:46.519 --> 00:27:49.920 According to David, they did scan it. They called the owner, 554 00:27:50.119 --> 00:27:51.799 and the owner said they didn't want the dog. 555 00:27:52.000 --> 00:27:55.039 But that makes no sense to me. Why would an owner. 556 00:27:55.039 --> 00:27:58.200 Two years prior say I don't want the dog and 557 00:27:58.240 --> 00:28:01.880 then two years later say I never I never abandoned 558 00:28:01.920 --> 00:28:04.920 the dog. I mean, I believe the original owner. It's 559 00:28:05.000 --> 00:28:07.160 not that I don't believe David. I think David got 560 00:28:07.200 --> 00:28:11.559 wrong information. There was apparently a chip in there, and 561 00:28:11.599 --> 00:28:14.799 that chip is an older chip with the older owner. 562 00:28:15.039 --> 00:28:17.759 And if I lost my dog two years ago, I 563 00:28:17.799 --> 00:28:21.200 would be upset. I mean, so what that somebody else 564 00:28:21.240 --> 00:28:21.920 adopted it? 565 00:28:22.119 --> 00:28:22.279 Now? 566 00:28:22.400 --> 00:28:24.880 Now I might if there were kids involved, there's something 567 00:28:24.960 --> 00:28:28.319 have you know, maybe approach it a different way and say, okay, 568 00:28:28.359 --> 00:28:30.880 you know, dog's happy, you can keep it. First of all, 569 00:28:30.880 --> 00:28:33.000 I don't like the idea that the dog got out twice? 570 00:28:34.720 --> 00:28:36.079 So what kind of dog is this? 571 00:28:36.160 --> 00:28:36.559 Do we know? 572 00:28:37.359 --> 00:28:39.119 I know, I didn't ask. I didn't think it was. 573 00:28:39.279 --> 00:28:44.319 It was relevant. It was a Pomeranian. Oh, a little dog. 574 00:28:44.599 --> 00:28:49.480 But can I please adjust your vision to line six? 575 00:28:49.559 --> 00:28:51.880 We have Marco Bendinelli on for those. 576 00:28:51.720 --> 00:28:53.400 Works, Okay, but I have to take a break. I 577 00:28:53.400 --> 00:28:56.000 want to give him more time. Thank you for getting Marco. 578 00:28:56.039 --> 00:28:58.799 We can talk to Marco Bendinelli coming up three O 579 00:28:58.920 --> 00:29:06.519 three seven to one three eight two five five. Go 580 00:29:06.640 --> 00:29:10.359 with a sure thing Denver's best roofer Excel Roofing dot com. 581 00:29:10.400 --> 00:29:12.440 You don't pay a cent until you're content. 582 00:29:14.000 --> 00:29:18.279 Wait time for an insurance check up free, no obligation. 583 00:29:18.319 --> 00:29:22.160 In comparison, call Compass Insurance paying too much your coverage 584 00:29:22.160 --> 00:29:24.799 at dozens of insurance companies find out now three all 585 00:29:24.880 --> 00:29:26.039 three seven seven to one. 586 00:29:26.119 --> 00:29:26.400 Help. 587 00:29:26.559 --> 00:29:29.200 You'll think you're his only customer when you choose Frank 588 00:29:29.240 --> 00:29:31.720 durand the real estate Man dot com to list your 589 00:29:31.720 --> 00:29:34.920 home with Remax Alliance three all three nine two zero 590 00:29:35.000 --> 00:29:41.000 sixteen twenty two. Tom Martino here at three oh three 591 00:29:41.160 --> 00:29:47.000 seven one three talk seven one three A two five five. Uh, Well, 592 00:29:47.039 --> 00:29:50.160 we're here to solve problems and answer questions, and we 593 00:29:50.200 --> 00:29:53.519 always talk to our experts. So I'm going to go 594 00:29:53.640 --> 00:29:56.599 to see what MARKU has to say about either one 595 00:29:56.599 --> 00:29:56.960 of these. 596 00:29:57.880 --> 00:30:05.279 And Marco welcome me and Minko comus. 597 00:30:05.720 --> 00:30:11.480 Hey, listen, Marco, what on. 598 00:30:09.960 --> 00:30:13.640 On this stuff? Here? This uh workers comp stuff we 599 00:30:13.720 --> 00:30:14.200 always hear. 600 00:30:14.720 --> 00:30:16.799 No one told me what was going on, so you 601 00:30:17.279 --> 00:30:18.240 lay it out a little. 602 00:30:18.079 --> 00:30:21.240 Bit okay, good on workers comp. Do you ever do 603 00:30:21.319 --> 00:30:22.000 workers comp? 604 00:30:23.119 --> 00:30:28.519 I know workers comp very well, Okay, all right, when 605 00:30:28.559 --> 00:30:32.160 I began my career, that's primarily what I did. 606 00:30:32.680 --> 00:30:33.519 Okay, I don't do. 607 00:30:33.480 --> 00:30:36.279 It day to day anymore. But the statues haven't changed 608 00:30:36.480 --> 00:30:36.720 I know. 609 00:30:37.720 --> 00:30:38.359 Now, Marco. 610 00:30:38.960 --> 00:30:42.759 So with with with workers comp, just a real short answer, 611 00:30:42.960 --> 00:30:47.079 which would would for both cases. Are they allowed to 612 00:30:47.279 --> 00:30:51.279 fire you after an injury? Or when is it considered 613 00:30:51.720 --> 00:30:53.720 wrong to fire someone after an injury? 614 00:30:54.559 --> 00:30:59.720 Well, the you know that if they fire you improperly, 615 00:31:00.519 --> 00:31:04.359 that's not a worker's comp issue as much as an 616 00:31:04.359 --> 00:31:11.720 employment issue. You wrongful determination, wrongful discharge. But what happens 617 00:31:11.799 --> 00:31:17.119 is when someone is under restrictions, Yeah, and they're getting 618 00:31:17.160 --> 00:31:20.960 wage loss benefits. If they terminate you, they got to 619 00:31:21.000 --> 00:31:27.400 continue to pay your wage loss benefits, whether you're working 620 00:31:27.599 --> 00:31:32.240 like duty, whether you're completely off. But you know, so 621 00:31:32.839 --> 00:31:38.079 the worker's compensation carrier, the insurance company, they get no benefit. 622 00:31:38.480 --> 00:31:42.200 In fact, you know, they get no benefit from an 623 00:31:42.200 --> 00:31:47.519 employer terminating an employee while they're getting comp benefits. In fact, 624 00:31:47.519 --> 00:31:51.119 it's the other way around. You know, that would ignore 625 00:31:51.359 --> 00:31:57.880 to the benefit of the claimant from a worker's compensation perspective. 626 00:31:58.200 --> 00:32:00.359 All right, here, let me give you the story. Now, 627 00:32:01.119 --> 00:32:05.359 I'll give you the actual story. Mike was working and 628 00:32:06.160 --> 00:32:10.559 pulling cable and injured his shoulder. Now he already he 629 00:32:10.680 --> 00:32:14.519 went to one of their docs and sure they claimed 630 00:32:15.000 --> 00:32:20.640 that he had reached MMI with no limitations, and that 631 00:32:20.799 --> 00:32:25.160 was basically a month later. He disagreed. He really felt 632 00:32:25.279 --> 00:32:29.200 pain and disagreed. So at the time he asked for 633 00:32:29.279 --> 00:32:34.119 limited duty and the employer said, no, you were released 634 00:32:34.160 --> 00:32:39.720 with no limitations at MMI maximum Medical Improvement, and so 635 00:32:40.240 --> 00:32:43.039 you got to do the job. And he couldn't, he said, 636 00:32:43.119 --> 00:32:46.480 so they fired him. So or did you quit? 637 00:32:46.559 --> 00:32:46.759 Mike? 638 00:32:46.880 --> 00:32:47.400 At that time? 639 00:32:48.920 --> 00:32:49.039 Uh? 640 00:32:49.680 --> 00:32:52.880 When Mike first and foremost? Did you get fired or 641 00:32:52.920 --> 00:32:53.559 did you quit? 642 00:32:55.000 --> 00:32:58.920 It was pretty much mutual. I couldn't do the job, okay, 643 00:32:58.920 --> 00:33:02.400 got it on the book and that was January twenty 644 00:33:02.440 --> 00:33:05.319 twenty two. Is that right correct? 645 00:33:05.480 --> 00:33:09.119 And then after that, hold on, there's more to it, Marco, 646 00:33:09.759 --> 00:33:13.160 he sued them, And what did you sue them for? 647 00:33:13.559 --> 00:33:18.200 And go ahead, I didn't see the company. I went 648 00:33:18.200 --> 00:33:22.160 through the workmen's comp process, got a lawyer, all of that, 649 00:33:22.440 --> 00:33:23.359 got ieme. 650 00:33:24.640 --> 00:33:27.680 All all and what go with a sure thing? 651 00:33:27.799 --> 00:33:31.119 Denver's best roofer Excel Roofing dot com. You don't pay 652 00:33:31.160 --> 00:33:37.799 a cent until you're content. Time for an insurance checkup free, 653 00:33:37.880 --> 00:33:41.920 no obligation. Comparison call Compass Insurance paying too much your 654 00:33:41.960 --> 00:33:44.880 coverage at dozens of insurance companies find out now three 655 00:33:44.960 --> 00:33:46.240 O three seven to seven to one. 656 00:33:46.359 --> 00:33:46.640 Help. 657 00:33:46.799 --> 00:33:49.440 You'll think you're his only customer when you choose Frank 658 00:33:49.519 --> 00:33:51.960 durand the real estate Man dot com to list your 659 00:33:51.960 --> 00:33:55.160 home with Remax Alliance three oh three nine two zero 660 00:33:55.240 --> 00:33:56.160 sixteen twenty two. 661 00:33:57.240 --> 00:34:05.079 Yeah, ripped up, bad news. 662 00:34:05.440 --> 00:34:07.480 You need advice, so you don't have the. 663 00:34:09.119 --> 00:34:10.639 You'll come a running just. 664 00:34:10.639 --> 00:34:11.840 As fast as we can. 665 00:34:12.760 --> 00:34:14.440 Shooter's gonna help. 666 00:34:14.719 --> 00:34:15.800 Come man. 667 00:34:16.639 --> 00:34:18.800 This is the Troubleshooter Show. 668 00:34:19.400 --> 00:34:23.960 No Tom Martino, Hi, Tom Martino here, Welcome to the show. 669 00:34:24.400 --> 00:34:27.000 Zero three seven one three talk seven one three eight 670 00:34:27.039 --> 00:34:27.760 two five five. 671 00:34:27.800 --> 00:34:29.920 This hour brought to you by Waterpros dot net. 672 00:34:30.199 --> 00:34:32.679 Now I talk about all the drinking water you can 673 00:34:32.719 --> 00:34:36.159 have for a triple filter reverse osmosis system at fourteen 674 00:34:36.239 --> 00:34:36.840 hundred bucks. 675 00:34:37.320 --> 00:34:39.880 It is the best deal you can make, and good 676 00:34:39.920 --> 00:34:41.920 water is good for your health. Now for the whole house. 677 00:34:41.960 --> 00:34:44.639 If you want to do soften purified water thirty four 678 00:34:44.719 --> 00:34:48.559 hundred bucks. And it's good for your pipes, laundry, your health, 679 00:34:48.719 --> 00:34:52.599 waterpros dot net three zero three eight six two five 680 00:34:52.639 --> 00:34:55.559 five five four. You'll never find better or lower prices. 681 00:34:55.599 --> 00:34:56.679 Now let's go to the phones. 682 00:34:57.039 --> 00:35:02.360 We were talking about workers comp, termination, employment, all of that. 683 00:35:02.440 --> 00:35:06.639 I have Marco Bendonelli with me from CEO law firm 684 00:35:06.800 --> 00:35:10.280 dot com one eight hundred attorney as his number, and 685 00:35:10.360 --> 00:35:15.400 Marco was uh. We were explaining that Mike he was 686 00:35:15.480 --> 00:35:18.800 with he made a settlement with workers comp, so he 687 00:35:18.840 --> 00:35:20.719 didn't he didn't like the way he was. 688 00:35:20.679 --> 00:35:22.400 Treated the first time around. We get it. 689 00:35:22.880 --> 00:35:26.639 He said, the doctor went on vacation, wasn't paying attention, 690 00:35:26.840 --> 00:35:28.679 denied him some treatment. 691 00:35:28.280 --> 00:35:29.400 Blah blah blah. 692 00:35:29.519 --> 00:35:33.159 But then the doctor declared after coming back from vacation 693 00:35:33.679 --> 00:35:37.800 that he was at maximum medical improvement. And you know, 694 00:35:37.960 --> 00:35:40.559 Mike said, I just couldn't do the work. So Mike 695 00:35:41.400 --> 00:35:46.079 basically left the job and they let him go. I mean, 696 00:35:46.440 --> 00:35:51.039 which came first doesn't matter, but he said, hey, I'm 697 00:35:51.039 --> 00:35:55.559 not going to accept this, so he sued. When he sued, 698 00:35:56.000 --> 00:36:00.760 there was something wrong apparently because they ensure Earn's company 699 00:36:00.840 --> 00:36:06.400 found after his ime independent medical examiner that yeah, there 700 00:36:06.599 --> 00:36:10.960 is somewhat of a disability, and he settled for sixty 701 00:36:11.039 --> 00:36:15.440 thousand dollars. But I fear that now he wants to 702 00:36:15.480 --> 00:36:18.639 go back and he wants to take issue with a 703 00:36:18.679 --> 00:36:22.400 few things. And I think, Mike, that once you settle, 704 00:36:22.559 --> 00:36:25.320 it might be because you settled, it might be too late. 705 00:36:25.360 --> 00:36:27.920 But I'm going to let you talk to Marco Bendinelli 706 00:36:28.000 --> 00:36:31.320 to figure that out. So what are you wanting now 707 00:36:31.559 --> 00:36:35.280 that you settled for sixty thousand dollars? 708 00:36:35.840 --> 00:36:40.559 Okay, I'm looking at for surgeries right now. None of 709 00:36:40.599 --> 00:36:45.639 this was discovered until after the settlement because my primary 710 00:36:45.760 --> 00:36:52.239 care wouldn't interfere ongoing open workman's comp case. So I 711 00:36:52.400 --> 00:36:57.079 was not getting any medical care up until the settlement. 712 00:36:57.360 --> 00:37:01.880 Now, Mike, Mike, I'm hearing you, but I want to 713 00:37:01.920 --> 00:37:05.559 say a few things. First of all, there's nothing preventing 714 00:37:05.639 --> 00:37:10.440 you from getting medical care, or medical advice or medical 715 00:37:10.480 --> 00:37:14.800 treatments at all. Your primary care had no business. You're 716 00:37:14.800 --> 00:37:18.400 not asking him to interfere. That's a whole separate issue. 717 00:37:18.519 --> 00:37:21.920 But I know you're trying to make the excuse that 718 00:37:22.000 --> 00:37:25.039 you settled without knowledge and you didn't know how bad 719 00:37:25.119 --> 00:37:29.280 your situation really was, So Marco, where does he stand 720 00:37:29.320 --> 00:37:31.880 on that? Trying to Are you trying to reopen the case? 721 00:37:32.000 --> 00:37:32.199 Mike? 722 00:37:33.880 --> 00:37:37.719 Not necessarily, I mean if that's possible, Well, you're. 723 00:37:37.559 --> 00:37:39.360 Trying to get more money, aren't you. Isn't that the 724 00:37:39.360 --> 00:37:40.079 bottom line? 725 00:37:40.920 --> 00:37:43.639 Yeah, I've lost income, quality of life. 726 00:37:44.000 --> 00:37:47.159 Okay, that's called reopening the case. Or do you want 727 00:37:47.199 --> 00:37:49.320 to take a separate action against somebody? 728 00:37:51.480 --> 00:37:53.440 Or you don't know or you don't know. 729 00:37:53.599 --> 00:37:56.159 Right, I don't know. That's why I'm Mike, Mike. 730 00:37:57.119 --> 00:38:00.519 That's a good good questions. So Marco, the guy's pissed off. 731 00:38:00.519 --> 00:38:03.639 He said, Look, I didn't have enough information. I didn't 732 00:38:03.679 --> 00:38:06.880 think I had good treatment. I made the settlement. Now 733 00:38:06.920 --> 00:38:10.199 I'm sorry. I did I think someone still owes me money? 734 00:38:10.480 --> 00:38:14.000 Can I go after someone separately? Can I reopen the case? 735 00:38:14.280 --> 00:38:16.840 What would you do if he was sitting in your office, Marco? 736 00:38:17.159 --> 00:38:20.480 Well, what I would say is, first of all, he 737 00:38:20.559 --> 00:38:25.199 must have overcame the first opinion that he was at MMI. 738 00:38:26.519 --> 00:38:29.320 You know, how did he go from look, there's nothing 739 00:38:29.480 --> 00:38:33.840 wrong with you to sixty thousand dollars? Because when they 740 00:38:34.000 --> 00:38:38.000 file that, it's called a final admission, where they put 741 00:38:38.039 --> 00:38:40.679 you at MMI and they give you no impairment rating. 742 00:38:41.039 --> 00:38:44.159 You have thirty days to contest that. So did he 743 00:38:44.280 --> 00:38:49.920 do that? He must have right, so you know we 744 00:38:50.000 --> 00:38:50.639 need to know that. 745 00:38:51.000 --> 00:38:53.000 But but what difference does that make? He said, he 746 00:38:53.079 --> 00:38:55.440 hired an attorney and they went after workers come. 747 00:38:55.719 --> 00:38:59.360 Well, because that means that you know, so if you 748 00:38:59.639 --> 00:39:04.599 if you contest mm I, then that means you got 749 00:39:04.760 --> 00:39:09.000 treatment inside of the work comp system and for sixty 750 00:39:09.079 --> 00:39:13.440 thousand dollars settlement, probably at least one surgery, Is that right? 751 00:39:14.639 --> 00:39:16.199 I haven't had any surgeries yet? 752 00:39:17.199 --> 00:39:20.719 But how did you arrive at the sixty thousand dollars? 753 00:39:23.280 --> 00:39:28.239 Like it was just we went, uh, we were supposed 754 00:39:28.280 --> 00:39:30.159 to go to hearing. We didn't get to hearing because 755 00:39:30.199 --> 00:39:31.440 my lawyer wasn't prepped. 756 00:39:32.559 --> 00:39:35.760 You're blaming I know, see Mark who he's blaming everybody 757 00:39:35.800 --> 00:39:38.920 for what he did. But but you did you did 758 00:39:38.960 --> 00:39:40.599 accept the sixty thousand dollars? 759 00:39:40.679 --> 00:39:41.880 Was that their first offer? 760 00:39:42.880 --> 00:39:43.079 No? 761 00:39:45.000 --> 00:39:49.039 Okay, that's thirty settlement went home casey and one m sixty. 762 00:39:49.480 --> 00:39:53.400 They went from thirty to sixty. So what I heard 763 00:39:53.400 --> 00:39:57.199 you say? You were complaining about the work comp doc. 764 00:39:57.760 --> 00:40:01.480 You were complaining about your primary care and you're complaining 765 00:40:01.480 --> 00:40:02.559 about your attorney. 766 00:40:02.760 --> 00:40:04.920 Are you basically saying you were screwed? 767 00:40:05.840 --> 00:40:11.280 Yeah, Marco, Well you know, I mean there must have 768 00:40:11.360 --> 00:40:16.039 been some medical evidence that your lawyer had as ammunition 769 00:40:16.719 --> 00:40:19.519 to go from no impairment rating to we're going to 770 00:40:19.599 --> 00:40:22.760 pay you sixty thousand dollars. So, whether it was your 771 00:40:22.800 --> 00:40:27.400 PCP or another physician, you had to go somewhere and said, look, 772 00:40:27.440 --> 00:40:29.880 he's not at m am I. The guy has a 773 00:40:29.960 --> 00:40:33.239 you know, torn rotator cuff, like you know, did Jeff 774 00:40:33.320 --> 00:40:35.519 or whatever I or something? You know, he had to 775 00:40:35.519 --> 00:40:36.039 have something. 776 00:40:37.239 --> 00:40:37.360 Uh. 777 00:40:37.559 --> 00:40:41.920 Yes, the workman's comp sent me to a doctor for Miami. 778 00:40:42.679 --> 00:40:45.440 He concluded that he was pretty positive I had a 779 00:40:45.480 --> 00:40:47.599 tour tearing my shoulder. At the least he wanted a 780 00:40:47.639 --> 00:40:52.400 complete reavow on my back. Then the insurance company sent 781 00:40:52.440 --> 00:40:54.239 me to their doctor who basically said I as a 782 00:40:54.239 --> 00:40:56.960 liar and a fraud and there's nothing wrong with me. 783 00:40:57.960 --> 00:41:02.280 But apparently they came up from zero to thirty, then 784 00:41:02.320 --> 00:41:06.079 from thirty to sixty. But Marco, I must ask you, 785 00:41:06.400 --> 00:41:10.039 why does that make a difference in his question? 786 00:41:10.280 --> 00:41:13.639 Now? Can he reopen or go after someone? 787 00:41:14.719 --> 00:41:17.800 The reason it matters is because if you got care 788 00:41:17.960 --> 00:41:21.639 and treatment under the camp system, then you can reopen 789 00:41:21.840 --> 00:41:26.119 under a worsening of condition. But if he did a 790 00:41:26.159 --> 00:41:30.320 full and final settlement, and inside of that settlement, he 791 00:41:30.440 --> 00:41:35.320 may have agreed to not reopen the case. Okay, so 792 00:41:35.960 --> 00:41:39.039 that's why I'm asking these specific questions. 793 00:41:39.119 --> 00:41:44.440 Got it? So, Mike, was it a full and final settlement? 794 00:41:45.719 --> 00:41:48.239 In the paperwork it said if I wanted to reopen, 795 00:41:48.239 --> 00:41:50.519 I would have to repay them with sixty thousand dollars 796 00:41:50.559 --> 00:41:51.239 and then reopen. 797 00:41:54.719 --> 00:42:00.880 I don't know if that would stand up. But you know, 798 00:42:00.960 --> 00:42:03.760 you can reopen from a worsening of a condition. I've 799 00:42:03.800 --> 00:42:06.199 never seen a clause like that in a settlement. 800 00:42:08.079 --> 00:42:08.840 So I can't wait. 801 00:42:08.880 --> 00:42:12.559 Wait, wait, he can reopen for treatment, not for cash settlement. 802 00:42:13.960 --> 00:42:16.480 Well, the reason you get a cash settlement at the 803 00:42:16.559 --> 00:42:21.199 end of the case is due to the impairment that 804 00:42:21.239 --> 00:42:26.360 you sustained. There is no non economic damages, quality of 805 00:42:26.400 --> 00:42:29.880 life stuff like that. Inside a comp there is. Okay, 806 00:42:30.119 --> 00:42:33.559 when they give you an impairment rating, you get paid 807 00:42:33.599 --> 00:42:38.760 on that, but that is to that represents future loss treatment, 808 00:42:39.440 --> 00:42:43.119 I mean future loss wages based on that impairment rating. 809 00:42:45.079 --> 00:42:51.400 It's not a there's no non economic component to workers compensation. 810 00:42:52.280 --> 00:42:55.000 Everything is economic, so what I know. 811 00:42:55.119 --> 00:42:58.360 So what you're saying is they must have seen that 812 00:42:58.440 --> 00:43:05.280 he will need additional care and they estimated sixty thousand dollars. 813 00:43:03.800 --> 00:43:08.480 Well, or gave them sixty thousand dollars to go away. 814 00:43:08.519 --> 00:43:10.119 But is it possible I. 815 00:43:10.079 --> 00:43:12.719 Think I believe for them to put that inside the 816 00:43:12.800 --> 00:43:15.760 settlement agreement. That may be you may be able to 817 00:43:15.800 --> 00:43:18.480 strike that as void as against public policy. 818 00:43:18.519 --> 00:43:21.039 Listen, what you need a little different issue. 819 00:43:21.280 --> 00:43:24.280 What you need, by the way, is a complete You 820 00:43:24.320 --> 00:43:29.400 need a second opinion. But Mike, I'm gonna tell you something. Normally, 821 00:43:29.480 --> 00:43:32.159 these are full and final settlements. They don't toss sixty 822 00:43:32.199 --> 00:43:34.320 thousand dollars out without it normally. 823 00:43:34.800 --> 00:43:36.719 And I'm not giving you legal advice. 824 00:43:36.920 --> 00:43:40.440 So I'm thinking you're not going to be able to 825 00:43:40.519 --> 00:43:43.119 reopen and go after anybody because they're going to say 826 00:43:43.119 --> 00:43:45.639 you settled. You're going to try to make the argument 827 00:43:45.920 --> 00:43:48.000 that you settled with bad advice. 828 00:43:48.159 --> 00:43:50.000 But it's not gonna with that work. 829 00:43:50.199 --> 00:43:54.159 Marco, Just for argument's sake, if it is full and 830 00:43:54.320 --> 00:43:58.400 final settlement, does he he can't go back right even 831 00:43:58.480 --> 00:43:59.599 with a worsening condition. 832 00:44:01.400 --> 00:44:04.320 It depends on the language of the settlement agreement and 833 00:44:04.360 --> 00:44:09.519 the current case law regarding that, because there was a 834 00:44:09.599 --> 00:44:12.880 case that came out and said the comp carrier can't 835 00:44:12.920 --> 00:44:17.119 prevent you from getting future medical treatment based on that injury. 836 00:44:18.320 --> 00:44:21.239 Okay, even with a settlement, even with a full and 837 00:44:21.280 --> 00:44:24.000 final settlement, that's correct. 838 00:44:24.440 --> 00:44:28.880 Okay, that case has been overturned. But I would have 839 00:44:28.960 --> 00:44:33.440 to look at the settlement agreement, you know, and to 840 00:44:33.559 --> 00:44:34.800 further analyze this thing. 841 00:44:36.239 --> 00:44:38.639 So, Mike, that's where we're at. 842 00:44:39.159 --> 00:44:39.360 Man. 843 00:44:39.559 --> 00:44:42.360 How long is the settlement agreement? Like sixty pages? How 844 00:44:42.360 --> 00:44:42.880 long is it? 845 00:44:45.400 --> 00:44:45.480 Oh? 846 00:44:45.519 --> 00:44:46.880 Wait, I don't know. It's not nearly that. 847 00:44:46.840 --> 00:44:50.440 Long, Okay. I mean, look, I would love. 848 00:44:50.280 --> 00:44:51.639 To just three or four pages. 849 00:44:52.039 --> 00:44:54.159 I would like to just get I would like to 850 00:44:54.159 --> 00:44:54.760 get a review. 851 00:44:54.800 --> 00:44:56.800 And I don't mean a real legal review like that, 852 00:44:56.920 --> 00:44:58.639 but just a cursory. 853 00:44:58.239 --> 00:45:00.719 Look at it, just to see what Mark thinks. I 854 00:45:00.760 --> 00:45:01.440 would love it. 855 00:45:01.880 --> 00:45:03.960 Mike, if you want to send it to us, we 856 00:45:04.039 --> 00:45:05.880 can forward it to him just for the hell of it. 857 00:45:06.199 --> 00:45:08.719 We would like to do that, but like I said, 858 00:45:08.760 --> 00:45:11.880 it might be too late, man. And then you know, 859 00:45:11.920 --> 00:45:16.599 but really what you're doing is you're saying my condition worsened, 860 00:45:16.639 --> 00:45:19.440 and Marco's going to see if the full insid final 861 00:45:19.559 --> 00:45:25.079 settlement avoids that, or current case law avoids that. 862 00:45:25.119 --> 00:45:26.079 We have more coming up. 863 00:45:26.119 --> 00:45:29.519 Sherry has another question I love Marco's opinion on, and 864 00:45:29.519 --> 00:45:32.199 that's Marco. When he's not here, you can reach him 865 00:45:32.199 --> 00:45:34.960 at one eight hundred Attorney. 866 00:45:35.000 --> 00:45:36.840 What a great number. We've got more coming up. 867 00:45:37.039 --> 00:45:40.280 Go with a sure thing Denver's Best roofer Excel Roofing 868 00:45:40.360 --> 00:45:43.000 dot com. You don't pay a cent until you're content. 869 00:45:46.400 --> 00:45:49.599 Time for an insurance checkup free, no obligation. In comparison, 870 00:45:49.719 --> 00:45:53.280 call Compass Insurance paying too much your coverage at dozens 871 00:45:53.280 --> 00:45:56.000 of insurance companies find out now three O three seven 872 00:45:56.000 --> 00:45:58.360 to seven to one help. You'll think you're his only 873 00:45:58.480 --> 00:46:00.920 customer when you choose Frank to the real estate man 874 00:46:01.000 --> 00:46:04.440 dot com to list your home with Remax Alliance three 875 00:46:04.440 --> 00:46:12.280 oh three nine two zero sixteen twenty two. Hi Tom Martino, 876 00:46:13.320 --> 00:46:17.159 your troubleshooter three O three seven to one three talk 877 00:46:17.239 --> 00:46:20.079 three O three seven one three eight two five five. 878 00:46:21.559 --> 00:46:23.440 So we're going to go to Sherry now, and I'd 879 00:46:23.480 --> 00:46:26.320 like to get Marco Bendinelli's twist on this or a 880 00:46:26.440 --> 00:46:29.480 view on this, because really I don't know if she 881 00:46:29.599 --> 00:46:32.320 has anything going but I'm going to lay out the 882 00:46:32.360 --> 00:46:36.639 scenario for you, Marco Marco Bendinelli, Attorney at law. 883 00:46:36.559 --> 00:46:37.840 And here it is. 884 00:46:38.719 --> 00:46:42.719 Sherry was working as a home healthcare worker for a 885 00:46:42.760 --> 00:46:47.599 healthcare agency and she was sent to a home to 886 00:46:47.719 --> 00:46:51.119 care for two elderly people. Now, on a side note, 887 00:46:52.280 --> 00:46:58.480 I think the agency was trying to trying to profit 888 00:46:58.599 --> 00:47:01.599 on her a little more than fair, but I don't 889 00:47:01.599 --> 00:47:05.960 see anything illegal in my opinion, again, not your opinion. 890 00:47:06.000 --> 00:47:10.440 But let me explain Medicare or Medicaid. I mean it's 891 00:47:10.480 --> 00:47:15.679 Medicaid they were on, right, Sherry, correct, Yeah, Medicaid, which 892 00:47:15.719 --> 00:47:20.079 is social services. They pay a certain amount of money 893 00:47:20.119 --> 00:47:24.039 for home health care, okay, and I'm not sure how 894 00:47:24.119 --> 00:47:27.239 much they pay, but I believe it's for four hours 895 00:47:27.239 --> 00:47:32.440 of care I think in a day. 896 00:47:32.159 --> 00:47:33.480 But whatever it is. 897 00:47:34.000 --> 00:47:36.480 The way they did it, they sent her to a 898 00:47:36.559 --> 00:47:40.679 home where she was caring for two people. But what 899 00:47:40.719 --> 00:47:43.840 they told her to do is to be there eight 900 00:47:43.920 --> 00:47:48.280 hours and to divide her time, So she gave four 901 00:47:48.320 --> 00:47:51.159 hours to the lady and four hours to the man. 902 00:47:52.239 --> 00:47:55.480 She believes they're being so she really got paid for 903 00:47:55.519 --> 00:47:59.280 an eight hour day one day, just a normal whatever. 904 00:47:59.320 --> 00:48:03.119 She agreed to work for she thinks she was underpaid 905 00:48:03.679 --> 00:48:08.280 because Medicaid was paying for two separate clients, which would 906 00:48:08.320 --> 00:48:10.199 have been higher than her daily rate. 907 00:48:10.639 --> 00:48:11.679 And I told her. 908 00:48:11.679 --> 00:48:14.400 One doesn't have anything to do with the other in 909 00:48:14.480 --> 00:48:18.199 my opinion, because she agreed to work for eight hours period, 910 00:48:18.480 --> 00:48:21.719 and whatever her employer has her do is what they 911 00:48:21.800 --> 00:48:25.440 have her do. And if she's if she's working four 912 00:48:25.440 --> 00:48:28.280 hours for one client four hours for another, that's up 913 00:48:28.320 --> 00:48:31.800 to them. Now, now that's what I say on first blush, 914 00:48:32.000 --> 00:48:34.599 But there's never a clear answer in the law, and 915 00:48:34.960 --> 00:48:37.440 that that's not the main issue, but that's one of them. 916 00:48:37.559 --> 00:48:41.719 So would you think that Medicaid would look askew at that? 917 00:48:43.440 --> 00:48:46.880 You know what came to mind as you were describing that, 918 00:48:47.079 --> 00:48:52.519 having had some personal experience with home health care companies, 919 00:48:53.000 --> 00:48:56.840 and I don't want to disparage all home health care companies, 920 00:48:57.480 --> 00:49:02.840 but they could have let's you know, we'll include this 921 00:49:02.920 --> 00:49:08.360 in the realm of possibilities, have double filled medicare eight 922 00:49:08.400 --> 00:49:11.639 hours for him, eight hours for her. Now, what you 923 00:49:11.679 --> 00:49:15.840 said originally is accurate. She agreed to work eight hours, 924 00:49:15.880 --> 00:49:19.360 she got paid to work eight hours. Whatever they did 925 00:49:19.480 --> 00:49:23.360 with the HICCKPA forms or you know, the billing to medicare. 926 00:49:23.639 --> 00:49:27.239 They may have engaged let's say, you know, if they 927 00:49:27.320 --> 00:49:30.880 engage in medicare fraud, that has nothing to do with 928 00:49:31.239 --> 00:49:32.760 her contract. 929 00:49:32.519 --> 00:49:33.760 Right, Okay, I get it. 930 00:49:34.159 --> 00:49:36.000 She could turn him in if she wanted to get 931 00:49:36.039 --> 00:49:39.360 back at him, but in reality it doesn't. It doesn't 932 00:49:39.360 --> 00:49:40.719 mean she gets more money. 933 00:49:42.039 --> 00:49:43.239 Exactly precisely. 934 00:49:43.559 --> 00:49:43.920 Okay. 935 00:49:43.920 --> 00:49:47.800 Now on another issue, this is the one she said 936 00:49:47.920 --> 00:49:51.039 she saved one of the clients from a fall after surgery, 937 00:49:51.199 --> 00:49:55.079 after the client had surgery and she hurt herself and 938 00:49:55.159 --> 00:50:02.480 she was terminated. Now stakes claim she was terminated because 939 00:50:02.519 --> 00:50:05.360 there was a ring that went missing, and. 940 00:50:05.280 --> 00:50:07.320 They put that in a text to her. 941 00:50:08.239 --> 00:50:14.039 She said, since she was terminated first and foremost, they 942 00:50:14.119 --> 00:50:18.159 ghosted her. But she heard from the client that the 943 00:50:18.320 --> 00:50:23.840 ring was found. So I don't know why they gave 944 00:50:23.920 --> 00:50:25.719 her a reason for termination. 945 00:50:25.880 --> 00:50:28.599 Marco. I thought, in this state, you don't have to 946 00:50:28.639 --> 00:50:29.320 have a reason. 947 00:50:30.519 --> 00:50:34.280 Well, you know, unless you're terminating somebody because they got 948 00:50:34.320 --> 00:50:37.159 hurt at work and you're trying to you know. 949 00:50:37.199 --> 00:50:45.119 You're trying to find another reason. Right, So what if 950 00:50:46.280 --> 00:50:51.840 she can show they found the ring but she was fired, 951 00:50:51.960 --> 00:50:54.760 because then it looks like she was fired because of 952 00:50:54.800 --> 00:50:57.920 her injury, Yes. 953 00:50:57.719 --> 00:50:59.159 But when did it happen? 954 00:50:59.559 --> 00:50:59.840 How? 955 00:51:00.039 --> 00:51:03.400 You know, Listen, timing of this stuff is important. So 956 00:51:03.800 --> 00:51:06.639 if this happened a month ago, and we can we 957 00:51:06.719 --> 00:51:09.519 have some medical records, or can get some medical records 958 00:51:09.559 --> 00:51:13.599 to document an injury, then she can prelude the work complaimt. 959 00:51:15.320 --> 00:51:16.039 Yes, i'd have. 960 00:51:17.920 --> 00:51:20.280 And when did it happen, Sherry? 961 00:51:21.239 --> 00:51:23.679 I went to the doctor I think on the nineteenth 962 00:51:23.760 --> 00:51:26.280 and that was three days after I reported. 963 00:51:26.039 --> 00:51:29.119 Nineteenth, the nineteenth of July. 964 00:51:30.199 --> 00:51:33.960 Of June, and then they fired me the thirteenth of July. 965 00:51:37.280 --> 00:51:37.639 Marco. 966 00:51:37.960 --> 00:51:40.079 And how long had you been working there? 967 00:51:41.159 --> 00:51:41.559 A year? 968 00:51:43.679 --> 00:51:48.679 Okay, well, did you open up a work complaint? 969 00:51:50.360 --> 00:51:52.480 No, because they've ghosted me. I'm not. 970 00:51:54.000 --> 00:51:56.639 Oh hold on wait wait wait wait wait wait wait 971 00:51:56.639 --> 00:51:59.280 wait wait wait you were working there almost a month 972 00:51:59.400 --> 00:52:00.480 after you got injured? 973 00:52:02.679 --> 00:52:06.239 The well, about three weeks? Yeah, they after I got injured. 974 00:52:06.280 --> 00:52:08.320 So I told them, and then I went to the 975 00:52:08.360 --> 00:52:12.199 doctor because they weren't reacting or doing anything, and she 976 00:52:12.320 --> 00:52:14.679 basically said, just st'll take time whatever. But then what 977 00:52:14.840 --> 00:52:18.719 happened is they I kept having these strange symptoms from. 978 00:52:18.559 --> 00:52:22.599 Them who so they never put in a worker's comp claim. No, 979 00:52:23.800 --> 00:52:25.400 Marco what happened, but the. 980 00:52:25.320 --> 00:52:30.440 Injured the injured worker can and you know, uh this 981 00:52:30.679 --> 00:52:34.920 is so recent. Depending on the medical records that you know, 982 00:52:35.039 --> 00:52:38.000 we could we could potentially open a comp claim. Now 983 00:52:39.320 --> 00:52:45.599 I see again the employment aspect, you know, wrongful termination 984 00:52:46.280 --> 00:52:50.880 you know, is usually really connected to workers' comp However, 985 00:52:51.000 --> 00:52:55.280 it is two separate areas of practice of law. However, 986 00:52:55.760 --> 00:52:58.760 if you open up the work com claim and you 987 00:52:58.880 --> 00:53:00.800 go through the work comps system and you get some 988 00:53:00.880 --> 00:53:06.320 medical treatment, then then that then that gives legitimacy or 989 00:53:06.440 --> 00:53:10.800 a little bit of steam to the wrongful termination case. 990 00:53:14.519 --> 00:53:17.239 So so then what my dogs will. 991 00:53:18.679 --> 00:53:22.639 An emergency room? 992 00:53:22.840 --> 00:53:27.599 I mean, because I'm draining spinal fluid is coming out 993 00:53:27.639 --> 00:53:30.760 my nose because of the head injury, and so she 994 00:53:30.840 --> 00:53:32.440 wants me to go to the emergency room. But I 995 00:53:32.480 --> 00:53:34.880 got afraid because I thought, what if I'm not covered? 996 00:53:36.800 --> 00:53:38.840 So, you know, you need to do a notice of 997 00:53:38.920 --> 00:53:40.920 claim right away, right away? 998 00:53:41.360 --> 00:53:42.679 How does she do that? 999 00:53:43.199 --> 00:53:46.639 You can call down the Division of Workers Compensation and 1000 00:53:46.719 --> 00:53:50.880 they'll tell you whether that employer has workers compensation insurance 1001 00:53:51.239 --> 00:53:55.559 if they don't have a penalty for them. 1002 00:53:54.559 --> 00:53:58.400 All right, Vision of Workers Compensation. 1003 00:53:58.119 --> 00:54:01.360 And find out and workers company find out if first 1004 00:54:01.440 --> 00:54:09.360 Premiere Home health Care has workers compensation. Now if they 1005 00:54:09.440 --> 00:54:12.480 do have workers compensation, what does she do? 1006 00:54:13.760 --> 00:54:17.400 She turns into claim, She fills out a claim for him, 1007 00:54:17.719 --> 00:54:21.239 and then within thirty days they either have to file 1008 00:54:21.440 --> 00:54:29.079 a general admission of liability or a notice of contest. However, 1009 00:54:29.280 --> 00:54:31.679 you know, this is why people need a work comp 1010 00:54:31.719 --> 00:54:36.199 lawyer when they get injured at work. I can't tell 1011 00:54:36.239 --> 00:54:38.239 you how many times I see people try to walk 1012 00:54:38.239 --> 00:54:41.039 through this stuff themselves, and you know, and they become 1013 00:54:41.159 --> 00:54:43.280 just as confused as to call her and I don't 1014 00:54:43.320 --> 00:54:46.159 know her name, but you share it. Unsure what to do, 1015 00:54:46.719 --> 00:54:50.920 Unsure what the statute'd say, unsure of any of their remedies, 1016 00:54:51.480 --> 00:54:51.679 you know. 1017 00:54:51.960 --> 00:54:54.719 And now what if okay, what if they do not 1018 00:54:55.000 --> 00:54:58.519 have workers comp does she still fill out a notice? 1019 00:54:58.800 --> 00:55:03.840 Well, well, yes, she would have to do that. That's 1020 00:55:03.960 --> 00:55:07.679 usually how it's determined whether the employer is insured. 1021 00:55:08.000 --> 00:55:12.239 Now does she submit it to the employer and the 1022 00:55:12.239 --> 00:55:14.679 state or the insurance company or where. 1023 00:55:15.199 --> 00:55:19.000 The Division of Insurance, the Division of Workers Compensation Insurance 1024 00:55:19.119 --> 00:55:20.840 Downtown Denver, And then. 1025 00:55:20.719 --> 00:55:21.960 They will investigate it. 1026 00:55:22.639 --> 00:55:27.159 They will investigate it. They are they are a neutral uh, 1027 00:55:27.199 --> 00:55:31.400 they administrate this stuff. But they don't have a dog 1028 00:55:31.440 --> 00:55:34.199 in the fight. And so what they do is notify 1029 00:55:34.280 --> 00:55:36.039 the employer of the claim form. 1030 00:55:36.519 --> 00:55:36.800 Uh. 1031 00:55:36.840 --> 00:55:39.039 And there may be an apt look at statue. Maybe 1032 00:55:39.039 --> 00:55:41.719 you send them a copy, but the Division of Workers' 1033 00:55:41.760 --> 00:55:45.960 Compensation gives teeth to the statute. They they hold the 1034 00:55:46.000 --> 00:55:49.719 employer's feet to the fire. And you know, and have 1035 00:55:49.840 --> 00:55:51.960 a process that you can engage. 1036 00:55:53.320 --> 00:55:56.559 You know, this is really good information, Sherry. And he 1037 00:55:56.639 --> 00:55:59.840 also gave good information to Mike. So do you know 1038 00:56:00.159 --> 00:56:02.280 to do from here on? And call us back if 1039 00:56:02.320 --> 00:56:02.880 you need help? 1040 00:56:02.920 --> 00:56:06.880 Okay, I would definitely do that. I appreciate everything. Thank 1041 00:56:06.920 --> 00:56:07.679 you so much. 1042 00:56:07.800 --> 00:56:08.960 Could call my office. 1043 00:56:09.320 --> 00:56:11.079 Yes, I'm going to give the number out one eight 1044 00:56:11.159 --> 00:56:13.760 hundred attorney for Marco. 1045 00:56:14.000 --> 00:56:15.199 Just tell him you were on the show. 1046 00:56:15.360 --> 00:56:16.840 A local numbers. 1047 00:56:16.639 --> 00:56:18.119 Okay, what is your local number? 1048 00:56:18.239 --> 00:56:23.079 Bet Marco three nine four zero ninety nine hundred. 1049 00:56:23.519 --> 00:56:27.719 Oh that's a good one. All right, Thank you so much, Marco. 1050 00:56:27.800 --> 00:56:30.440 We appreciate it. Three oh three nine four zero ninety 1051 00:56:30.480 --> 00:56:36.639 nine hundred Co Law Firm dot com and Marco, do 1052 00:56:36.719 --> 00:56:39.519 you do workers comp in addition to your other personal 1053 00:56:39.559 --> 00:56:40.559 injury work and stuff? 1054 00:56:42.880 --> 00:56:43.480 Did he hang up? 1055 00:56:43.559 --> 00:56:47.239 I'm sorry he might have hung up, but I think 1056 00:56:47.360 --> 00:56:49.960 he probably knows enough about it that you can call him. 1057 00:56:50.239 --> 00:56:52.280 We have more coming up on The Troubleshooter Show. Three 1058 00:56:52.360 --> 00:56:55.159 oh three seven one three talk seven one three A 1059 00:56:55.280 --> 00:56:59.119 two five five Go with a sure thing Denver's Best 1060 00:56:59.199 --> 00:57:01.199 Ruffer Roofing dot com. 1061 00:57:01.239 --> 00:57:03.239 You don't pay a cent until you're content. 1062 00:57:06.639 --> 00:57:09.800 Time for an insurance check up free, no obligation comparison 1063 00:57:09.920 --> 00:57:13.519 call Compass Insurance paying too much your coverage at dozens 1064 00:57:13.519 --> 00:57:16.239 of insurance companies find out now three oh three seven 1065 00:57:16.360 --> 00:57:19.159 seven to one help. You'll think you're his only customer 1066 00:57:19.199 --> 00:57:21.440 when you choose Frank durand the real estate Man dot 1067 00:57:21.480 --> 00:57:24.760 com to list your home with Remax Alliance three oh 1068 00:57:24.840 --> 00:57:32.039 three nine two zero sixteen twenty two. Hi Tom Martino, 1069 00:57:33.159 --> 00:57:37.159 your Troubleshooter three oh three seven one three talk three 1070 00:57:37.239 --> 00:57:39.880 oh three seven one three eight two five five. 1071 00:57:40.760 --> 00:57:41.199 Okay. 1072 00:57:42.320 --> 00:57:47.000 We have had of some really good topics and we'll 1073 00:57:47.000 --> 00:57:47.840 continue to do. 1074 00:57:47.920 --> 00:57:52.679 So. Let's talk to Kim Kim. What's happening with you? Hi? 1075 00:57:52.800 --> 00:58:06.559 Kim Kim people? Hello Kim? All right? Can you put 1076 00:58:06.559 --> 00:58:09.000 her on hold? Then I just see where she is. 1077 00:58:09.039 --> 00:58:15.039 I'll go to Sandra or Sandra Sandra I'm Sandra. 1078 00:58:15.440 --> 00:58:16.440 Yeah, what's going on? 1079 00:58:18.760 --> 00:58:21.000 Well, I was listening to the program and I noticed 1080 00:58:21.039 --> 00:58:24.719 you guys were talking about workmen's comp stuff. Yes, well, 1081 00:58:25.079 --> 00:58:30.039 I have a question. When a person settles a workman's 1082 00:58:30.079 --> 00:58:35.199 comp case and in that settlement is included one thousand 1083 00:58:35.239 --> 00:58:38.800 dollars a month for the rest of your life in 1084 00:58:38.960 --> 00:58:43.519 filing taxes federally, I don't have to claim that money, 1085 00:58:44.280 --> 00:58:47.400 But why do I have to do it on state? 1086 00:58:47.679 --> 00:58:51.480 Or is it state? Does is that considered extra income 1087 00:58:51.559 --> 00:58:52.079 for state? 1088 00:58:52.559 --> 00:58:53.599 Was this in Colorado? 1089 00:58:54.679 --> 00:58:55.440 In Colorado? 1090 00:58:55.519 --> 00:58:55.880 Yes? 1091 00:58:56.039 --> 00:58:58.800 Okay? Now, normally. 1092 00:59:00.039 --> 00:59:06.719 Words for damages or for loss of something, it's not required. 1093 00:59:07.400 --> 00:59:11.280 It's not income even for accidents and stuff like that, 1094 00:59:11.639 --> 00:59:13.159 for pain and suffering and all of that. 1095 00:59:13.760 --> 00:59:15.960 So do you know what exactly you. 1096 00:59:15.920 --> 00:59:20.039 Said one thousand dollars was set aside as what like 1097 00:59:20.719 --> 00:59:23.239 how does it read to the best of Do you 1098 00:59:23.280 --> 00:59:25.960 have it in front of you like just that area? 1099 00:59:26.360 --> 00:59:27.599 No, I don't have it in front of me. 1100 00:59:27.679 --> 00:59:29.960 Ask now, was this a work This was a worker's 1101 00:59:30.039 --> 00:59:30.920 com claim? Right? 1102 00:59:31.960 --> 00:59:35.880 Yes, it was a workers com claim and it's part 1103 00:59:35.920 --> 00:59:37.760 of your Is it part of your settlement? 1104 00:59:38.880 --> 00:59:42.360 Yes, it's part of the settlement. What they did because 1105 00:59:42.400 --> 00:59:44.840 I've been disabled for the rest of my life and 1106 00:59:44.880 --> 00:59:46.920 I have to have continued. 1107 00:59:46.519 --> 00:59:50.000 No, then it's not okay. I can tell you with 1108 00:59:50.519 --> 00:59:53.960 a certain amount of certainty that it's. 1109 00:59:53.800 --> 00:59:56.400 Not going to be taxable. Why did you think it 1110 00:59:56.440 --> 00:59:58.159 was taxable on the state level. 1111 01:00:00.280 --> 01:00:06.599 Well, because, well, because that's what I've been told. I'm 1112 01:00:06.639 --> 01:00:11.519 told that I have to file my taxes, but then 1113 01:00:11.559 --> 01:00:13.920 when I go down there, they tell me I don't 1114 01:00:14.039 --> 01:00:17.000 have to. So I can't find anybody that can really 1115 01:00:17.039 --> 01:00:19.119 give me the answer whether I do or not. 1116 01:00:19.400 --> 01:00:20.920 Okay, I am. 1117 01:00:21.320 --> 01:00:23.960 I'm looking it up as far as my past calls, 1118 01:00:24.000 --> 01:00:30.760 because I know we've had it. Okay, Disability settlements are 1119 01:00:30.800 --> 01:00:41.440 not taxed as income. That includes medical expenses, disability expenses, 1120 01:00:41.760 --> 01:00:49.320 and even lost wages, and it also includes benefits for 1121 01:00:49.480 --> 01:00:56.119 wrongful death. If you, however, if you've been negotiating this 1122 01:00:56.199 --> 01:00:57.880 and this is care, you need to know this. 1123 01:00:59.639 --> 01:01:03.119 If you were set, if you were negotiating. 1124 01:01:02.480 --> 01:01:05.599 This for a while and then they made you a 1125 01:01:05.639 --> 01:01:10.800 final payment, a lump sum, and that lump sum had 1126 01:01:10.960 --> 01:01:16.320 interest added to it because it was let's say, awarded, 1127 01:01:17.239 --> 01:01:21.480 and then they were negotiating that interest would be taxable. 1128 01:01:21.719 --> 01:01:23.719 But that's not what's happening in your case? 1129 01:01:25.679 --> 01:01:28.840 Right What they did was they set up a Medicare 1130 01:01:28.960 --> 01:01:33.000 set aside for the expenses of my medical continued. 1131 01:01:32.519 --> 01:01:34.400 Medical right, that's right here. 1132 01:01:34.440 --> 01:01:39.559 Then they send me one thousand dollars right to my. 1133 01:01:39.880 --> 01:01:44.199 Bank, right and it is not taxable. 1134 01:01:45.480 --> 01:01:48.199 It is part of your goodness. It's part of your 1135 01:01:48.280 --> 01:01:53.760 disability settlement right right here. Here's the summary of the 1136 01:01:53.840 --> 01:01:58.440 law in Colorado. Workers' compensation settlements for disability are generally 1137 01:01:58.480 --> 01:02:01.599 not taxed as income on the either the federal or 1138 01:02:01.679 --> 01:02:06.599 state level. However, that they say generally because part if 1139 01:02:06.599 --> 01:02:09.239 they have interest, that interest. 1140 01:02:08.920 --> 01:02:09.800 Could be taxed. 1141 01:02:10.239 --> 01:02:13.760 So so you can find it all over the place 1142 01:02:13.880 --> 01:02:18.480 on the internet too. But who told you it was taxable? 1143 01:02:18.519 --> 01:02:19.360 That's what I want to know. 1144 01:02:21.880 --> 01:02:25.119 Well, every year for tax season, they're telling me I 1145 01:02:25.159 --> 01:02:27.679 have to file taxes, and I'm telling them, well. 1146 01:02:27.639 --> 01:02:29.679 Okay, maybe you do have to file, but you don't 1147 01:02:29.679 --> 01:02:30.000 have to. 1148 01:02:29.960 --> 01:02:34.880 Pay do I have to? 1149 01:02:35.239 --> 01:02:37.320 So do I have to let them know that I'm 1150 01:02:37.360 --> 01:02:37.920 getting the. 1151 01:02:37.920 --> 01:02:40.719 Thousands that I that part I don't know. I actually 1152 01:02:40.719 --> 01:02:43.119 don't know that part, you know, But we can ask 1153 01:02:43.159 --> 01:02:45.519 our tax preparer, why don't you hold on. We'll get 1154 01:02:45.519 --> 01:02:48.039 a we'll get an answer for you. Okay, let's uh, 1155 01:02:48.119 --> 01:02:53.199 let's try to get someone on Katchina from Atlas CPAs 1156 01:02:53.679 --> 01:02:56.880 and Accountants. Now, Kim's got an issue with enterprise. We're 1157 01:02:56.920 --> 01:02:58.679 going to go to her, and then Deputy Chopper has 1158 01:02:58.679 --> 01:03:01.679 some follow ups right after this. Go with a sure 1159 01:03:01.760 --> 01:03:04.880 thing Denver's Best Roofer Excel Roofing dot com. 1160 01:03:04.920 --> 01:03:06.960 You don't pay a cent until you're content. 1161 01:03:10.320 --> 01:03:13.880 Time for an insurance checkup free no obligation comparison call 1162 01:03:14.000 --> 01:03:17.320 Compass Insurance paying too much your coverage at dozens of 1163 01:03:17.320 --> 01:03:20.000 insurance companies find out now three all three seven to 1164 01:03:20.039 --> 01:03:20.519 seven to one. 1165 01:03:20.639 --> 01:03:20.920 Help. 1166 01:03:21.079 --> 01:03:23.719 You'll think you're his only customer when you choose Frank 1167 01:03:23.760 --> 01:03:26.199 durand the real estate Man dot com to list your 1168 01:03:26.239 --> 01:03:29.360 home with Remax Alliance three all three nine two zero 1169 01:03:29.519 --> 01:03:35.840 sixteen twenty two. Hi Tom Martina here, let's talk about 1170 01:03:35.840 --> 01:03:36.840 this real quick here. 1171 01:03:36.880 --> 01:03:38.960 And I thought I had the answer, and I just 1172 01:03:39.000 --> 01:03:39.800 want to double check. 1173 01:03:39.920 --> 01:03:43.880 Eric Reinemer Atlas UH Firms dot Com, at LEAs CPAs 1174 01:03:43.880 --> 01:03:46.719 and Financial Advisors, and I'll give that number out for 1175 01:03:46.760 --> 01:03:49.199 people that want to get some help with their small 1176 01:03:49.239 --> 01:03:52.840 business or taxes or that kind of stuff. Hey, Eric, 1177 01:03:53.159 --> 01:03:59.159 uh disability, uh, workers comp disability and a monthly payment 1178 01:03:59.639 --> 01:04:03.400 for the of her life because she has impairments. I'm 1179 01:04:03.480 --> 01:04:07.159 I'm reading where it's not taxable on state or federal levels. 1180 01:04:07.800 --> 01:04:09.920 Is that correct? 1181 01:04:10.159 --> 01:04:13.320 That's generally not the case unless is it something that 1182 01:04:13.480 --> 01:04:16.599 was paid via the employee, that's from the employer. 1183 01:04:18.400 --> 01:04:25.119 Right, So what you're saying is the settlement is not taxable, Jemuary. 1184 01:04:25.559 --> 01:04:28.079 That's so it's a settlement. Like is this a lump 1185 01:04:28.159 --> 01:04:29.320 sumwhere it's a lifetime. 1186 01:04:29.760 --> 01:04:31.960 Now there, there's both. There's both. 1187 01:04:32.280 --> 01:04:34.679 She got a lump sum and then they're giving her 1188 01:04:34.719 --> 01:04:37.280 one thousand dollars a month. But it has to do 1189 01:04:37.360 --> 01:04:38.519 with her impairment rating. 1190 01:04:40.280 --> 01:04:43.000 And is it to do with her from her employe, 1191 01:04:43.119 --> 01:04:45.599 from her work or is it unrelated to work? 1192 01:04:46.480 --> 01:04:49.880 No, it's it's because of the worker's comp right, Sondra. 1193 01:04:50.039 --> 01:04:55.199 Yeah, Sondra, is she still there? 1194 01:04:57.480 --> 01:05:01.119 Okay, whether she's there or not, she's probably listening. But yeah, 1195 01:05:01.159 --> 01:05:04.039 so yeah, that's what I read in the code that 1196 01:05:04.079 --> 01:05:05.159 you don't. 1197 01:05:05.320 --> 01:05:08.280 But then she had a question, do you still have 1198 01:05:08.360 --> 01:05:08.960 to file? 1199 01:05:12.440 --> 01:05:14.519 You know, if that's her only income, she would not 1200 01:05:14.559 --> 01:05:16.599 need to file because you only file if you got 1201 01:05:16.639 --> 01:05:19.639 over thirteen thousand dollars of taxle income. 1202 01:05:19.400 --> 01:05:20.920 Anyway, okay. 1203 01:05:20.960 --> 01:05:24.920 And the other thing, Eric, They said, if the settlement 1204 01:05:25.119 --> 01:05:30.480 was being negotiated and went retroactive and paid her interest 1205 01:05:31.199 --> 01:05:35.280 for the time she wasn't receiving it, that interest would 1206 01:05:35.280 --> 01:05:36.000 be taxable. 1207 01:05:36.920 --> 01:05:40.880 That's true, although my guess is it might not be 1208 01:05:40.920 --> 01:05:43.679 over thirteen thousand dollars. So it depends on what the 1209 01:05:43.719 --> 01:05:46.639 amount is and what ultimately will determine that if if 1210 01:05:46.639 --> 01:05:49.320 there was interest in there, she'll get a tenninety nine 1211 01:05:49.360 --> 01:05:51.880 at the end of the year. It'll dictate what she 1212 01:05:51.960 --> 01:05:53.719 might have to report on the interest. 1213 01:05:54.239 --> 01:05:54.639 Okay. 1214 01:05:54.760 --> 01:05:58.639 Now, Eric, another thing, a woman called last week and 1215 01:05:58.760 --> 01:06:03.000 said she hadn't filed years. She doesn't owe anything. She 1216 01:06:03.119 --> 01:06:05.960 wants to know what will happen if she tries to file. 1217 01:06:07.719 --> 01:06:09.679 All that will happen is she shows up on the 1218 01:06:09.760 --> 01:06:13.039 radar screen is following a return that we have plenty 1219 01:06:13.039 --> 01:06:15.599 of people we find who haven't filed in years because 1220 01:06:15.599 --> 01:06:17.719 they didn't need to, but they had a treasury event. 1221 01:06:18.280 --> 01:06:20.400 She should just go ahead and filed. There's no way 1222 01:06:20.440 --> 01:06:23.000 to get around it. And if she gets an inquiry 1223 01:06:23.000 --> 01:06:26.239 asking you about fire returns, she simply says, I didn't 1224 01:06:26.239 --> 01:06:28.639 have fire taxable income to report. 1225 01:06:29.480 --> 01:06:32.159 And so she should just start from now or should 1226 01:06:32.239 --> 01:06:33.920 she go back to those prior years. 1227 01:06:34.360 --> 01:06:36.599 No, no, no, just leave the past alone and to 1228 01:06:36.719 --> 01:06:38.400 start now with the year that she has. 1229 01:06:38.559 --> 01:06:42.719 Okay, Okay, no worries. So when you. 1230 01:06:42.800 --> 01:06:46.039 Don't have reportable income, you don't have to file. 1231 01:06:46.679 --> 01:06:49.760 Yeah, there's millions of people that don't file tax returns 1232 01:06:50.079 --> 01:06:52.480 because they don't need to because they're under the threshold. 1233 01:06:52.599 --> 01:06:54.079 Okay, got it, Thank you. 1234 01:06:54.199 --> 01:06:57.480 That's Eric Reinemer Atlas Firms dot com. Three oh three 1235 01:06:57.639 --> 01:07:01.719 seven nine nine nine one one. Kim, I'm gonna take 1236 01:07:01.719 --> 01:07:05.119 you with enterprise deputy choppers and follow ups. Rick, you 1237 01:07:05.159 --> 01:07:08.239 want to talk about American Richmond, American homes, all of 1238 01:07:08.239 --> 01:07:09.920 that coming up on the Troubleshooter Show. 1239 01:07:10.559 --> 01:07:13.480 Get your calls in three oh three, Martino. 1240 01:07:13.639 --> 01:07:16.920 Go with a sure thing Denver's Best roofer Excel Roofing 1241 01:07:17.000 --> 01:07:17.599 dot com. 1242 01:07:17.639 --> 01:07:20.920 You don't pay a cent until you're content three. 1243 01:07:23.039 --> 01:07:26.239 Time for an insurance check up free, no obligation. In comparison, 1244 01:07:26.360 --> 01:07:29.920 call Compass Insurance paying too much your coverage at dozens 1245 01:07:29.920 --> 01:07:32.639 of insurance companies find out now three oh three, seven 1246 01:07:32.639 --> 01:07:35.000 to seven to one. Help you'll think you're his only 1247 01:07:35.119 --> 01:07:37.599 customer when you choose Frank durand the real Estate Man 1248 01:07:37.639 --> 01:07:41.079 dot Com to list your home with Remax Alliance. Three 1249 01:07:41.079 --> 01:07:43.199 oh three nine two zero sixteen twenty two. 1250 01:07:44.079 --> 01:07:56.599 Yeah, Rid, bad news needs you don't have the come 1251 01:07:56.719 --> 01:08:00.400 running just as fast as we can show the shooter 1252 01:08:00.480 --> 01:08:01.320 is gonna help. 1253 01:08:01.559 --> 01:08:04.360 Come man, This is. 1254 01:08:04.320 --> 01:08:09.039 The Troubleshooter Show. No Tom Martino, Hi. 1255 01:08:08.960 --> 01:08:10.519 Tom Martino, You're troubleshooter. 1256 01:08:10.559 --> 01:08:13.119 Three oh three seven one three talk seven one three 1257 01:08:13.159 --> 01:08:14.800 eight two five by. This are brought to you by 1258 01:08:14.840 --> 01:08:18.680 Frank Duran, the real Estateman dot com, one of the 1259 01:08:18.720 --> 01:08:21.079 finest real estate brokers you can find to buy or 1260 01:08:21.079 --> 01:08:23.760 sell property. He'll do a free market analysis for your home, 1261 01:08:23.800 --> 01:08:28.199 a complimentary market analysis taking into consideration all of the 1262 01:08:28.279 --> 01:08:30.640 factors to see what you'll sell your home for in 1263 01:08:30.680 --> 01:08:34.199 your neighborhood, comps like yours, and then what you cannet 1264 01:08:35.000 --> 01:08:38.720 after the transaction, and what it looks like for you 1265 01:08:38.760 --> 01:08:40.600 to have money to invest in another home and what 1266 01:08:40.640 --> 01:08:44.239 you can buy if you want that analysis, No obligation whatsoever. 1267 01:08:44.319 --> 01:08:47.760 Three oh three nine two zero sixteen twenty two. Frank Duran, 1268 01:08:48.079 --> 01:08:50.159 The real Estate Man dot Com Now listen. I know 1269 01:08:50.279 --> 01:08:52.239 Chopper's on with a follow up, but I gotta go 1270 01:08:52.279 --> 01:08:53.439 to Kim's been waiting, Kim. 1271 01:08:53.479 --> 01:08:56.840 What's happening with you? Hello? Kim? 1272 01:08:57.199 --> 01:08:59.119 Hi, thanks for taking my call. 1273 01:08:59.319 --> 01:08:59.920 What's going on? 1274 01:09:00.159 --> 01:09:00.319 Chim? 1275 01:09:01.640 --> 01:09:06.319 Yeah? I just wanted to ask you. So. I long 1276 01:09:06.319 --> 01:09:09.479 story short, but I had a rental car from Enterprise 1277 01:09:09.600 --> 01:09:14.039 Rental Car in Aurora on Havana Street and I had 1278 01:09:14.119 --> 01:09:16.000 it for a few weeks. As I was getting my 1279 01:09:16.039 --> 01:09:21.199 car appaired, and there was a hailstorm in Denver. Assume 1280 01:09:21.239 --> 01:09:23.039 as we heard the hail, I rushed out and I 1281 01:09:23.159 --> 01:09:28.840 put put comforters on top of this rental car. It 1282 01:09:28.880 --> 01:09:33.680 was a Toyota Corolla, and didn't see any damage, returned 1283 01:09:33.680 --> 01:09:38.479 the car and they put these striped white and black 1284 01:09:38.560 --> 01:09:41.520 screens on top of the car so you couldn't actually 1285 01:09:41.560 --> 01:09:46.079 see the any I never saw any damage, but when 1286 01:09:46.079 --> 01:09:49.680 they put these striped screens on the car on top 1287 01:09:49.720 --> 01:09:52.840 of it, you could you look at the stripes and whenever, 1288 01:09:52.920 --> 01:09:53.840 why why did. 1289 01:09:53.720 --> 01:09:54.399 They do that? 1290 01:09:54.560 --> 01:09:57.119 What did they suspect it had been in halle? Why 1291 01:09:57.159 --> 01:09:58.199 did they even do that? 1292 01:09:59.479 --> 01:10:01.079 Well, they did. 1293 01:10:00.960 --> 01:10:03.680 It to I don't know if they did it to 1294 01:10:03.720 --> 01:10:06.600 all the cars. They certainly did it to my car, 1295 01:10:07.399 --> 01:10:09.680 the car that I was returning. There was a hailstorm, 1296 01:10:09.720 --> 01:10:10.720 but like, again. 1297 01:10:10.560 --> 01:10:13.600 No, I get it, but you never you never mentioned 1298 01:10:13.600 --> 01:10:15.399 the hailstorm because you thought you would. 1299 01:10:16.159 --> 01:10:19.000 No, No, it must have been routine, you know. 1300 01:10:20.359 --> 01:10:23.720 So after they did that, did they say, hey, Kim, 1301 01:10:24.239 --> 01:10:26.439 this has hail damage. 1302 01:10:26.680 --> 01:10:30.199 Yeah, they did. They said, they said, you'll be you know, 1303 01:10:30.319 --> 01:10:32.439 charged for it. Well, you know you will send it 1304 01:10:32.479 --> 01:10:35.319 to your insurance, right, but they did it based on 1305 01:10:35.439 --> 01:10:38.920 seeing these little changes in the stripes, you know, not 1306 01:10:39.000 --> 01:10:40.399 actually this, I get it. 1307 01:10:40.640 --> 01:10:44.720 Yeah. Yeah, So now what is your question? What is 1308 01:10:44.760 --> 01:10:45.319 your question? 1309 01:10:46.319 --> 01:10:49.279 So I got a bill for just short of five thousand. 1310 01:10:49.039 --> 01:10:53.000 Dollars, Yeah, but put it in your insurance. You're covered. 1311 01:10:53.479 --> 01:10:57.159 If your car's covered, then your rental will be covered. 1312 01:10:58.560 --> 01:11:01.640 Yeah. So I did not have collisions and. 1313 01:11:01.640 --> 01:11:05.880 So my no, you don't need collision. You need comprehensive only. 1314 01:11:07.600 --> 01:11:09.359 I don't. I don't think I had comprehensive. 1315 01:11:09.399 --> 01:11:10.720 Then what is your car? 1316 01:11:11.359 --> 01:11:12.159 The car you have? 1317 01:11:14.439 --> 01:11:18.920 The car that I had was a It was a 1318 01:11:20.039 --> 01:11:21.920 It was I think three or four years old. 1319 01:11:22.520 --> 01:11:25.079 Are you sure you don't have comprehensive insurance? Are you 1320 01:11:25.199 --> 01:11:28.680 positive you only have liability? 1321 01:11:29.199 --> 01:11:33.279 Yeah? Yeah, I'm a I'm a pretty safe driver. Yeah, 1322 01:11:33.760 --> 01:11:34.520 I understand. 1323 01:11:34.560 --> 01:11:39.760 But comprehensive is for fire and hail and theft and 1324 01:11:39.800 --> 01:11:42.760 all of that. Or a tree falls on your car. 1325 01:11:42.880 --> 01:11:44.880 It's not a collision coverage. 1326 01:11:45.079 --> 01:11:45.800 It's separate. 1327 01:11:45.880 --> 01:11:51.600 It's called comprehensive and usually everyone has that usually. 1328 01:11:51.600 --> 01:11:54.479 Yeah, yeah, So so I don't have it, And I 1329 01:11:54.479 --> 01:11:59.000 guess the issue is that, like I'm being sent the 1330 01:11:59.039 --> 01:12:01.760 spill of for just short of five thousand dollars. 1331 01:12:01.800 --> 01:12:06.560 You know you're responsible for it, right, Well. 1332 01:12:07.720 --> 01:12:09.159 This is what I'm asking, is it? 1333 01:12:09.279 --> 01:12:10.039 Okay? Go ahead. 1334 01:12:10.119 --> 01:12:13.319 You know, the damage Recovery unit sent me this bill, 1335 01:12:14.000 --> 01:12:17.279 and to me, it's really excessive. It's got, you know, 1336 01:12:17.720 --> 01:12:20.720 one hundred and fifty dollars for administrative fees. It's got 1337 01:12:21.760 --> 01:12:26.039 four hundred and twenty five dollars for diminishment of value, 1338 01:12:27.439 --> 01:12:28.560 and you know. 1339 01:12:28.560 --> 01:12:31.680 All these Now now hold on, you might how old 1340 01:12:31.760 --> 01:12:33.000 is the car you were renting? 1341 01:12:36.119 --> 01:12:38.479 It was it was pretty new. 1342 01:12:39.000 --> 01:12:42.199 Okay, you probably Okay, you're good. 1343 01:12:42.239 --> 01:12:45.239 Okay, you definitely have to pay for the repair and 1344 01:12:45.279 --> 01:12:48.600 then they can charge you for what's called lack of use. 1345 01:12:52.239 --> 01:12:53.560 Yeah they didn't do that. 1346 01:12:54.159 --> 01:12:56.800 Wow, I mean, do you know what that means? In 1347 01:12:56.840 --> 01:12:58.199 other words, here's what I mean. 1348 01:12:58.479 --> 01:13:00.960 If it takes six weeks to fix the damn thing, 1349 01:13:01.439 --> 01:13:03.960 they could charge you with what they would make in 1350 01:13:04.039 --> 01:13:10.640 rentals for six weeks. Are you disputing there was hell damage? 1351 01:13:10.880 --> 01:13:14.640 Because I mean, I mean, here's the deal. You mentioned 1352 01:13:14.640 --> 01:13:17.800 the netting for a reason. Did you see damage when. 1353 01:13:17.680 --> 01:13:18.119 They did that? 1354 01:13:21.079 --> 01:13:26.199 When they I could see little changes in the stripes, yes, 1355 01:13:26.279 --> 01:13:31.279 I could, Okay, okay, but you can't really see you know, 1356 01:13:31.319 --> 01:13:34.239 when you're looking at the at the top of the car, 1357 01:13:34.319 --> 01:13:36.600 you can't really see anything, but you can see the 1358 01:13:37.359 --> 01:13:38.720 little changes in the stripes. 1359 01:13:40.079 --> 01:13:44.760 Yeah, and that's exactly what they do. I'm looking at 1360 01:13:44.760 --> 01:13:48.199 the ones you're talking about here this screen. I never 1361 01:13:48.239 --> 01:13:51.239 knew they had that. Actually, this is the first I'm 1362 01:13:51.239 --> 01:13:53.720 hearing about that where they put that down. 1363 01:13:53.920 --> 01:13:59.560 Yeah, man, this is too bad. So did you I'm 1364 01:13:59.600 --> 01:14:02.039 just I'm telling you. I'm telling you. 1365 01:14:02.000 --> 01:14:04.760 The facts, the truth. And then I don't know the 1366 01:14:04.800 --> 01:14:06.960 practicality of it. I don't know if they're going to 1367 01:14:06.960 --> 01:14:11.760 come after you for it. But technically you're responsible for 1368 01:14:11.880 --> 01:14:16.279 that car. Now, had you not had insurance on your 1369 01:14:16.359 --> 01:14:20.199 own car, and you didn't, you should have taken out 1370 01:14:20.239 --> 01:14:22.479 their daily insurance did they. 1371 01:14:22.319 --> 01:14:23.079 Offer that to you? 1372 01:14:25.800 --> 01:14:30.520 So, you know, interestingly enough, I had called we had 1373 01:14:30.600 --> 01:14:37.319 called our insurance company prior to this, because you know, 1374 01:14:37.399 --> 01:14:39.720 to see if it would be covered, and they said yes. 1375 01:14:39.800 --> 01:14:45.039 But you called your insurance company and you said, I'm 1376 01:14:45.079 --> 01:14:47.840 going to be renting a car and I want to 1377 01:14:47.880 --> 01:14:48.880 know if it's covered. 1378 01:14:50.439 --> 01:14:52.399 Yeah, okay, well it is. 1379 01:14:52.840 --> 01:14:59.279 Yeah, it is covered for liability because you have liability. 1380 01:14:59.399 --> 01:15:02.239 If you had collision, it would be covered for collision. 1381 01:15:02.880 --> 01:15:07.279 If you have comprehensive, it'll be covered for comprehensive. It 1382 01:15:07.319 --> 01:15:11.039 will not be covered for any coverage you don't have. 1383 01:15:15.039 --> 01:15:16.520 So that's the confusion. 1384 01:15:16.640 --> 01:15:20.279 I mean, uh oh yeah, I'll call them back, you know, but. 1385 01:15:21.880 --> 01:15:23.560 Maybe Ki Kim. 1386 01:15:23.640 --> 01:15:30.560 Are you absolutely positive you don't have comprehensive You're absolutely positive? 1387 01:15:32.720 --> 01:15:35.920 Yes, Yeah, that's that's what my husband told me. 1388 01:15:36.720 --> 01:15:40.520 Oh no, so so you must have a pretty old 1389 01:15:40.600 --> 01:15:49.319 car then that you're not that you do only liability. 1390 01:15:49.600 --> 01:15:54.439 Yeah, I mean it's not it's not worth a ton no, okay. 1391 01:15:53.720 --> 01:15:56.840 Okay, And that's why you didn't have the comprehensive insurance 1392 01:15:56.880 --> 01:16:00.359 because you figured, I don't want to pay for that coverage. 1393 01:16:00.279 --> 01:16:00.600 Right. 1394 01:16:02.279 --> 01:16:05.880 Yeah, yeah, dog gone it I wish I had better 1395 01:16:05.920 --> 01:16:09.119 news for you, Kim. Do you think here's the deal? 1396 01:16:09.800 --> 01:16:13.600 It's a bill right there. They have insurance that will 1397 01:16:13.640 --> 01:16:18.399 fix it, just so you know. But they're going to 1398 01:16:18.439 --> 01:16:20.199 come after you for it. I don't know how hard. 1399 01:16:21.640 --> 01:16:22.079 I don't know. 1400 01:16:22.199 --> 01:16:25.880 I mean, I'm like to be honest with you. I 1401 01:16:25.920 --> 01:16:28.760 just want to negotiate, you know, like it just seems 1402 01:16:28.880 --> 01:16:33.159 excessively high. I mean, five thousand dollars for something and so, 1403 01:16:33.279 --> 01:16:36.079 and then they have administrative piece and then they it's 1404 01:16:36.119 --> 01:16:37.560 too soon to negotiate. 1405 01:16:38.520 --> 01:16:42.279 But but you should tell them. You just tell them 1406 01:16:42.279 --> 01:16:44.279 you can't afford it. Tell them the reason you didn't 1407 01:16:44.319 --> 01:16:47.640 carry comp insurance is you couldn't afford it, and that 1408 01:16:47.880 --> 01:16:48.920 you can't afford that. 1409 01:16:49.359 --> 01:16:50.680 What can you afford? Kim? 1410 01:16:50.880 --> 01:16:56.880 They're not listening now, what can you afford? Seriously, if 1411 01:16:56.880 --> 01:16:59.439 they made you an offer, if you want to negotiate, 1412 01:16:59.479 --> 01:17:02.000 they only negotiate if you have a lumsum like a 1413 01:17:02.039 --> 01:17:02.920 credit card or somebody. 1414 01:17:02.960 --> 01:17:04.119 Did you have anything? 1415 01:17:04.359 --> 01:17:06.560 Oh, by the way, did they attempt to make a 1416 01:17:06.640 --> 01:17:08.159 charge on your credit card? 1417 01:17:10.479 --> 01:17:12.840 No? I don't think so. I think it's right now. 1418 01:17:15.359 --> 01:17:20.920 I think they might be trying to bill our insurance 1419 01:17:20.960 --> 01:17:23.359 is sending it to insurance. I'm not sure, but I 1420 01:17:23.399 --> 01:17:28.319 did call the insurance and they said it wasn't covered. 1421 01:17:28.560 --> 01:17:32.640 Okay, Okay, do you have a credit card that you 1422 01:17:32.720 --> 01:17:33.199 paid with? 1423 01:17:34.880 --> 01:17:38.399 Yes, that pays for this sometimes. What kind of credit 1424 01:17:38.439 --> 01:17:38.960 card do you have? 1425 01:17:41.960 --> 01:17:46.640 It's a Costco City Bank. 1426 01:17:47.399 --> 01:17:47.880 Okay? 1427 01:17:48.439 --> 01:17:50.760 Did you ought to call them because or look at 1428 01:17:50.880 --> 01:17:57.359 line because sometimes you get automatic insurance with your credit card. 1429 01:17:59.439 --> 01:18:00.760 Okay did you know that? 1430 01:18:04.479 --> 01:18:06.680 I did? But you know what, I hadn't thought about 1431 01:18:06.720 --> 01:18:08.840 that it might I'll the. 1432 01:18:09.560 --> 01:18:14.960 Uh okay, yeah, I mean, let's hope. So I'm just 1433 01:18:15.039 --> 01:18:20.039 putting this in. Does Costco City Bank card cover rental 1434 01:18:20.079 --> 01:18:24.800 car damages? I want to see what it says here. 1435 01:18:24.880 --> 01:18:27.600 Let's see they because a lot of them have it 1436 01:18:27.680 --> 01:18:31.399 built in. It says here that yes, if you have 1437 01:18:31.560 --> 01:18:37.319 the Costco anywhere visa by City Bank, it usually covers 1438 01:18:37.840 --> 01:18:40.479 your rental car damages. 1439 01:18:42.600 --> 01:18:46.039 Do you know if it's and you use that to 1440 01:18:46.079 --> 01:18:46.920 pay for it? Right? 1441 01:18:49.560 --> 01:18:53.960 Well, So the other part of the story is that 1442 01:18:54.039 --> 01:19:00.439 it was so my my car was running to by 1443 01:19:00.439 --> 01:19:03.680 this other woman, and so her insurance was paying for 1444 01:19:04.159 --> 01:19:07.199 my car to be fixed, which it took about three weeks. 1445 01:19:07.239 --> 01:19:09.479 And that's why I rented this other car. So this 1446 01:19:10.199 --> 01:19:11.199 this friend, but did. 1447 01:19:11.039 --> 01:19:14.479 You put that other car on your Costco visa? 1448 01:19:17.119 --> 01:19:20.319 Well, they asked for a visa, but I didn't have 1449 01:19:20.359 --> 01:19:21.039 to pay anything. 1450 01:19:21.439 --> 01:19:24.239 No, I get it, but it doesn't matter. Did you 1451 01:19:24.399 --> 01:19:25.560 give them that visa? 1452 01:19:27.279 --> 01:19:27.800 Yeah? I did. 1453 01:19:28.279 --> 01:19:29.479 I think it covers you. 1454 01:19:31.560 --> 01:19:32.560 Oh, thank goodness. 1455 01:19:32.720 --> 01:19:35.920 Okay, I think it does. It says the rental Oh 1456 01:19:35.920 --> 01:19:36.319 way way. 1457 01:19:36.319 --> 01:19:39.479 Wait wait wait it only if the rental period was 1458 01:19:39.600 --> 01:19:41.840 less than thirty one consecutive. 1459 01:19:41.319 --> 01:19:42.000 Days, was it? 1460 01:19:46.640 --> 01:19:50.399 I would have to check, I think so. 1461 01:19:51.520 --> 01:19:54.239 Okay, listen, I want you to call City Bank or 1462 01:19:54.319 --> 01:19:57.720 Costco and ask about it. Okay, thank goodness, you use 1463 01:19:57.800 --> 01:20:00.119 that card even though you don't have to pay for it. 1464 01:20:00.119 --> 01:20:06.159 It Now it could be that because the other party 1465 01:20:06.760 --> 01:20:11.439 supplied that car to you, they could be responsible for it. 1466 01:20:11.800 --> 01:20:17.039 I want to ask our Compass insurance people about that part. 1467 01:20:17.680 --> 01:20:19.800 So if you hang on for that, I'm gonna take 1468 01:20:19.800 --> 01:20:20.479 some other calls. 1469 01:20:20.520 --> 01:20:24.479 But I want to find out if maybe because they 1470 01:20:24.520 --> 01:20:28.039 had to cover that rental car, maybe they're responsible somehow. 1471 01:20:28.119 --> 01:20:29.159 I don't know, we'll ask. 1472 01:20:29.640 --> 01:20:32.840 I'm Tom Martino three oh three seven one three A 1473 01:20:33.000 --> 01:20:37.119 two five five Go with a sure thing, Denver's Best 1474 01:20:37.199 --> 01:20:39.199 Roofer excel roofing dot com. 1475 01:20:39.239 --> 01:20:41.640 You don't pay a cent until you're content. 1476 01:20:44.600 --> 01:20:47.800 Time for an insurance check up free, no obligation. In comparison, 1477 01:20:47.920 --> 01:20:51.479 call Compass Insurance. Pay too much your coverage at dozens 1478 01:20:51.520 --> 01:20:54.239 of insurance companies find out now three oh three, seven 1479 01:20:54.239 --> 01:20:56.600 to seven to one help. You'll think you're his only 1480 01:20:56.680 --> 01:20:59.159 customer when you choose Frank durand the real estate Man 1481 01:20:59.199 --> 01:21:02.760 dot com. List your home with Remax Alliance three all 1482 01:21:02.840 --> 01:21:04.800 three nine two zero sixteen twenty two. 1483 01:21:08.119 --> 01:21:09.000 I'm Martine here. 1484 01:21:09.079 --> 01:21:12.479 Somebody text me and said that Enterprise did that once 1485 01:21:12.560 --> 01:21:17.760 to them and it was there was no damage. I 1486 01:21:18.399 --> 01:21:21.439 don't think they'd have a vested interest in wanting to 1487 01:21:21.479 --> 01:21:24.600 do that. But and then, of course, on that rental 1488 01:21:24.640 --> 01:21:29.680 car coverage, I found out that that that credit card 1489 01:21:29.720 --> 01:21:32.760 coverage that you have to pay for the rental not 1490 01:21:32.920 --> 01:21:36.159 just put it down as collateral, but all expenses must 1491 01:21:36.199 --> 01:21:40.319 be paid by the card for the card to. 1492 01:21:40.399 --> 01:21:42.359 Kick in for damages. 1493 01:21:42.960 --> 01:21:47.479 But I want to ask Jeremy Curzio from Compass Insurance 1494 01:21:47.520 --> 01:21:54.039 Group another question relating to this, Jeremy Kim is looking 1495 01:21:54.079 --> 01:21:57.319 for a way to eat coverage on that car. She 1496 01:21:57.479 --> 01:22:00.520 claims she does not have comprehensive on her own car, 1497 01:22:01.399 --> 01:22:04.880 which was in the shop, So her rental car was 1498 01:22:04.960 --> 01:22:09.199 damaged by hal Okay, So they're saying you're responsible for 1499 01:22:09.279 --> 01:22:12.960 the hell and she is, and she doesn't have that 1500 01:22:13.039 --> 01:22:17.039 coverage on her own car, so it doesn't extend to 1501 01:22:17.119 --> 01:22:21.680 the rental car. And even though she used her VISA 1502 01:22:21.760 --> 01:22:24.840 card to pay for the rent excuse me as collateral 1503 01:22:24.880 --> 01:22:27.880 for the rental, the actual charges were paid by the 1504 01:22:27.960 --> 01:22:31.680 other person's insurance company, so therefore she's not. 1505 01:22:31.720 --> 01:22:33.319 Covered by her credit card. 1506 01:22:33.520 --> 01:22:37.159 But I want to ask you this, by some wild connection, 1507 01:22:38.239 --> 01:22:42.159 is it possible that because that car was provided by 1508 01:22:42.199 --> 01:22:46.880 the other insurance company that they would be responsible for 1509 01:22:47.039 --> 01:22:49.800 that damage since they were. 1510 01:22:49.680 --> 01:22:50.720 The actual renter. 1511 01:22:52.399 --> 01:22:57.640 I don't think so. I mean, it's worth her exploring 1512 01:22:57.920 --> 01:23:03.119 because why not, But I would think not. I think 1513 01:23:03.239 --> 01:23:08.079 they're providing the car for her, but I still think 1514 01:23:08.159 --> 01:23:11.640 she would be responsible for any of the damage. She 1515 01:23:11.840 --> 01:23:14.880 certainly can try to go down that road, but. 1516 01:23:14.760 --> 01:23:18.840 I'm just wondering if that insurance company would be on 1517 01:23:18.920 --> 01:23:22.439 the hook for renting that car to her along with 1518 01:23:22.560 --> 01:23:23.680 the daily insurance. 1519 01:23:24.840 --> 01:23:28.800 I feel like they're they're paying for it, but I 1520 01:23:28.920 --> 01:23:32.560 still feel like she has the agreement with the rest 1521 01:23:32.600 --> 01:23:33.399 of my company. 1522 01:23:33.520 --> 01:23:35.920 Get it, you know, I'm just trying to find something. 1523 01:23:36.520 --> 01:23:37.720 Oh, I get it. Yeah. 1524 01:23:38.800 --> 01:23:42.439 So A really good tip here, A really good tip 1525 01:23:42.479 --> 01:23:46.239 here is if you're renting a car, you better make 1526 01:23:46.279 --> 01:23:50.079 sure you have the coverage on that car, because even 1527 01:23:50.119 --> 01:23:58.159 though it's not your fault, you're responsible for it, right basically. 1528 01:23:57.800 --> 01:24:01.039 Oh, absolutely, And I would say, you know, if the 1529 01:24:01.079 --> 01:24:05.199 other party is at fault and they're paying for a 1530 01:24:05.279 --> 01:24:09.520 rental car, make sure they're if you're if you're not covered, 1531 01:24:09.720 --> 01:24:11.760 or even if you are, I'd have them pay for 1532 01:24:12.039 --> 01:24:12.760 the insurance. 1533 01:24:13.119 --> 01:24:13.359 Right. 1534 01:24:13.680 --> 01:24:15.399 In other words, when you go to rent a car, 1535 01:24:16.279 --> 01:24:17.640 rent the insurance too. 1536 01:24:19.880 --> 01:24:22.680 Absolutely, yeah. I mean, especially if they're paying for it, 1537 01:24:22.760 --> 01:24:26.239 because even if you have that We've talked about this before, 1538 01:24:26.239 --> 01:24:28.920 but even if you had compon collision, your policy is 1539 01:24:28.960 --> 01:24:30.640 not going to pay for the loss of use. 1540 01:24:31.399 --> 01:24:35.800 So and they haven't even mentioned that yet. They haven't 1541 01:24:35.800 --> 01:24:39.359 even mentioned that yet, which I hope they don't. 1542 01:24:39.760 --> 01:24:42.399 So, Kim, I don't. I don't know. 1543 01:24:42.840 --> 01:24:45.840 You may want to ask if that other insurance company 1544 01:24:47.119 --> 01:24:48.479 hasn't did, I don't know. 1545 01:24:48.680 --> 01:24:49.560 I can ask. 1546 01:24:49.439 --> 01:24:55.520 You, is there any way to negotiate the cost. 1547 01:24:55.560 --> 01:24:57.800 There's always everything's negotiable. 1548 01:24:57.840 --> 01:25:01.199 But that doesn't sound like a lot of money for 1549 01:25:01.239 --> 01:25:06.239 a full car worth a hell damage. See, A lot 1550 01:25:06.239 --> 01:25:08.920 of people think whether it's severe hell damage or minor, 1551 01:25:09.560 --> 01:25:12.159 it takes a different level of repair. The only time 1552 01:25:12.159 --> 01:25:14.840 it takes a different level of repair is when the 1553 01:25:14.920 --> 01:25:19.720 paint's damaged. If you had no paint damage, then all 1554 01:25:19.880 --> 01:25:22.960 of the damage, whether it's a small ding or a 1555 01:25:23.000 --> 01:25:26.359 big ding, is going to take almost the same amount 1556 01:25:26.520 --> 01:25:27.159 of labor. 1557 01:25:28.000 --> 01:25:30.079 Yeah. No, there was no paint damage. 1558 01:25:30.399 --> 01:25:32.880 So, uh, the. 1559 01:25:32.880 --> 01:25:35.560 Only other thing you could do you could ask them this, 1560 01:25:36.319 --> 01:25:37.319 how long ago was this? 1561 01:25:37.399 --> 01:25:40.760 By the way, how long ago this was in? 1562 01:25:41.439 --> 01:25:45.279 Let's see, so the I returned it in early June, 1563 01:25:46.640 --> 01:25:47.239 so that they are. 1564 01:25:47.319 --> 01:25:48.680 They already repaired. 1565 01:25:48.279 --> 01:25:55.640 It then, I mean, if they did, if you can't 1566 01:25:55.680 --> 01:25:58.840 see it, I don't know if there's incentive to to 1567 01:25:58.920 --> 01:26:02.439 repair it all the way if you can't visually. 1568 01:26:02.119 --> 01:26:05.000 See it, right, I don't know if they did or not. 1569 01:26:05.119 --> 01:26:08.520 But even if they didn't, there is a damage. There 1570 01:26:08.600 --> 01:26:11.199 is a damage. You owe them. I don't think you 1571 01:26:11.239 --> 01:26:13.479 can make the argument you don't owe it because they 1572 01:26:13.479 --> 01:26:17.399 didn't spend it. The diminished value you could argue, but 1573 01:26:17.479 --> 01:26:22.319 that's only what four or five hundred and what else 1574 01:26:22.479 --> 01:26:25.000 was administrative charges. 1575 01:26:24.800 --> 01:26:28.680 And administrative sees one hundred and fifty dollars for administrative sees. 1576 01:26:28.720 --> 01:26:32.399 You never agreed to that. I would dispute those extra charges. 1577 01:26:33.119 --> 01:26:36.039 But the actual repair you're gonna have to pay for, 1578 01:26:37.640 --> 01:26:38.600 I mean really. 1579 01:26:38.520 --> 01:26:40.119 Okay, I mean. 1580 01:26:41.439 --> 01:26:42.840 People, what can we say? 1581 01:26:43.079 --> 01:26:45.520 I was going to say it if it hadn't been repaired, 1582 01:26:45.560 --> 01:26:47.800 you could have had an estimate done on it and 1583 01:26:47.880 --> 01:26:49.680 maybe ask them if you could have it done. 1584 01:26:49.720 --> 01:26:51.279 But I think it's too late. 1585 01:26:51.560 --> 01:26:54.680 By the way, the Insurance Health Center is a compass 1586 01:26:54.720 --> 01:27:00.439 insurance If you want quotes on insurance or see if 1587 01:27:01.159 --> 01:27:03.680 they can, it's called the insurance checkup to see if 1588 01:27:03.680 --> 01:27:06.039 you're paying too much or not enough. And I'm gonna 1589 01:27:06.039 --> 01:27:08.319 tell you they're very honest. If they can't save you money, 1590 01:27:08.359 --> 01:27:10.960 they'll tell you they're not gonna lie to you about it, 1591 01:27:11.000 --> 01:27:14.039 so you'll always benefit by at least checking with them. 1592 01:27:14.079 --> 01:27:16.920 Three oh three nine nine six nine thousand. 1593 01:27:18.439 --> 01:27:21.720 Go with a sure thing Denver's Best roofer Excel roofing 1594 01:27:21.800 --> 01:27:22.359 dot com. 1595 01:27:22.439 --> 01:27:24.840 You don't pay a cent until you're content. 1596 01:27:27.800 --> 01:27:31.000 Time for an insurance checkup, free, no obligation in comparison 1597 01:27:31.119 --> 01:27:34.680 call Compass Insurance paying too much your coverage at dozens 1598 01:27:34.720 --> 01:27:37.439 of insurance companies. Find out now three oh three, seven 1599 01:27:37.439 --> 01:27:39.800 to seven to one help. You'll think you're his only 1600 01:27:39.880 --> 01:27:42.359 customer when you choose Frank durand the real estate man 1601 01:27:42.399 --> 01:27:45.800 dot com to list your home with Remax Alliance three 1602 01:27:45.880 --> 01:27:51.079 oh three nine two zero sixteen twenty two. Hi, Tom Martino, 1603 01:27:51.439 --> 01:27:53.960 your troubleshooter terioll three seven one three talk seven one 1604 01:27:53.960 --> 01:27:55.840 three eight two five five ricks got a problem. 1605 01:27:55.640 --> 01:27:57.239 With American homes Richmond. 1606 01:27:57.279 --> 01:28:03.000 American homes Richmond, I believe was recently sold to a 1607 01:28:03.079 --> 01:28:04.000 Japanese company. 1608 01:28:04.039 --> 01:28:06.239 Rick, what's going on it? 1609 01:28:06.479 --> 01:28:06.880 Correct? 1610 01:28:06.960 --> 01:28:09.600 Tom? I appreciate your taking the call. I called you 1611 01:28:09.720 --> 01:28:12.880 yesterday actually in regards to a speeding ticket, if you 1612 01:28:12.960 --> 01:28:17.239 recall that. And my name is Richard, but my mother 1613 01:28:17.319 --> 01:28:18.720 called me Rick, so that's. 1614 01:28:18.640 --> 01:28:20.119 Why I go, oh yeah, yeah, you got a speeding 1615 01:28:20.159 --> 01:28:22.800 ticket and Frederick and you never signed it. 1616 01:28:22.840 --> 01:28:26.079 You wanted to know can they still prosecute it? Yeah? 1617 01:28:26.119 --> 01:28:27.159 So what's going on now? 1618 01:28:27.640 --> 01:28:28.359 Yeah? 1619 01:28:28.439 --> 01:28:31.680 Well, my woman and I we signed a contract to 1620 01:28:31.800 --> 01:28:36.439 purchase a Richmond American home in April, and throughout the 1621 01:28:36.479 --> 01:28:39.600 process they give you a a more or less a 1622 01:28:39.640 --> 01:28:41.199 spec home. They don't give you a whole lot of 1623 01:28:41.279 --> 01:28:42.479 options to you. 1624 01:28:42.640 --> 01:28:47.239 Well, yeah, they're semi semi custom right there. And they 1625 01:28:47.359 --> 01:28:49.760 used to be pretty they used to be pretty nice homes. 1626 01:28:49.800 --> 01:28:52.159 I don't know how they are recently, but they're pretty good. 1627 01:28:53.199 --> 01:28:54.039 Yeah, they're not bad. 1628 01:28:54.119 --> 01:28:56.159 I mean the way that they're constructing it. I've I've 1629 01:28:56.199 --> 01:28:59.239 been there every day pretty much for the last two 1630 01:28:59.359 --> 01:29:02.159 or three months when they started the building, and what 1631 01:29:02.600 --> 01:29:03.640 really good job on it. 1632 01:29:04.560 --> 01:29:06.000 But part of the part. 1633 01:29:05.760 --> 01:29:10.199 Of the agreement between the sales person, myself and my 1634 01:29:10.279 --> 01:29:13.039 woman and my realtor was that we were going to 1635 01:29:13.119 --> 01:29:16.479 have a black roof, black shingles put on it. 1636 01:29:16.560 --> 01:29:19.039 So long now when was this in? Was in? Was 1637 01:29:19.079 --> 01:29:20.760 this in the contract anywhere? 1638 01:29:22.319 --> 01:29:23.600 Well, here's the problem. 1639 01:29:23.880 --> 01:29:27.000 It's you know, I mean, like the contracts are like 1640 01:29:27.079 --> 01:29:29.319 ninety pages long, and I'm exaggering a little bit, but 1641 01:29:29.399 --> 01:29:32.000 not by much. So you're on the DOCU side, you 1642 01:29:32.039 --> 01:29:35.560 go through, you know, signature by signature, by signature and whatnot. 1643 01:29:35.960 --> 01:29:37.920 So after we had agreed. 1644 01:29:37.960 --> 01:29:40.680 Yeah, black black asphalt is just just so you know, 1645 01:29:40.920 --> 01:29:43.159 I know you want one, but it's a bad idea, 1646 01:29:43.439 --> 01:29:44.119 but keep going. 1647 01:29:44.319 --> 01:29:46.840 Oh, I get it. I get it. They conduct a 1648 01:29:46.840 --> 01:29:47.359 lot of heat. 1649 01:29:47.520 --> 01:29:51.920 They're really bad ideas for everything you can think of it. 1650 01:29:51.520 --> 01:29:55.000 It doesn't last as long, your decking doesn't last as long. 1651 01:29:55.399 --> 01:29:58.760 It radiates tremendous heat into the house. But anyway, keep going. 1652 01:29:59.039 --> 01:30:01.680 That doesn't mean you can't requested go ahead. 1653 01:30:02.159 --> 01:30:05.159 Right, So in any case, we had all sat down 1654 01:30:05.159 --> 01:30:08.439 before signing through Docus signed and had agreed on the 1655 01:30:08.479 --> 01:30:09.880 black Shine group. 1656 01:30:11.560 --> 01:30:12.039 A ackout. 1657 01:30:12.119 --> 01:30:14.279 They actually let us pick out the colors at home, 1658 01:30:14.640 --> 01:30:17.560 and she based it around that black roof. And so 1659 01:30:17.640 --> 01:30:20.039 the other day when I was there, they put on 1660 01:30:20.279 --> 01:30:23.439 gray shadles. So immediately I went up to the to 1661 01:30:23.520 --> 01:30:25.520 the you know, the roofer, and I told him, I 1662 01:30:25.520 --> 01:30:27.239 said stop now if you can. 1663 01:30:27.239 --> 01:30:29.479 Please, because that isn't what we agreed to. 1664 01:30:30.039 --> 01:30:33.560 So that we went back to the sales office and 1665 01:30:33.640 --> 01:30:37.319 I told the self person, not our original self person, 1666 01:30:37.359 --> 01:30:40.680 but another self person, that we had agreed to black. Well, 1667 01:30:40.880 --> 01:30:43.399 come lo and behold. The next morning the original self 1668 01:30:43.439 --> 01:30:45.119 person got on it, sent me a copy of the 1669 01:30:45.159 --> 01:30:48.680 work under the work order said gray. So we did 1670 01:30:48.760 --> 01:30:53.039 sign for grey. So I sent a reel. 1671 01:30:53.039 --> 01:30:55.640 If you signed for gray, why are we discussing this? 1672 01:30:57.000 --> 01:31:00.600 Well, you know, because I don't know, Tom, I was 1673 01:31:00.680 --> 01:31:03.520 just wondering whether or not there was any kind of mine. 1674 01:31:03.600 --> 01:31:06.239 Well, if there was a tell me, well, I want 1675 01:31:06.279 --> 01:31:08.279 to ask a few questions. I'm not trying to trip 1676 01:31:08.319 --> 01:31:10.000 you up. I'm trying to ask questions here. 1677 01:31:10.640 --> 01:31:14.840 Why do you think that they would go against your wishes? 1678 01:31:15.239 --> 01:31:17.680 I mean why, I don't understand if you were at 1679 01:31:17.680 --> 01:31:21.000 the table, If you were at the table and you said, now, 1680 01:31:21.039 --> 01:31:25.439 by the way, we want black asphalt, why do you 1681 01:31:25.640 --> 01:31:26.680 think he would trick you? 1682 01:31:27.760 --> 01:31:29.840 Well, but what was in it for them discussing? 1683 01:31:30.520 --> 01:31:32.520 Well, we had been discussing the gray and the black, 1684 01:31:32.600 --> 01:31:35.039 because it was my opinion that the gray would be cooler, 1685 01:31:35.399 --> 01:31:36.800 last longer, and everything else. 1686 01:31:36.840 --> 01:31:40.079 So I agreed with that. However, my woman wanted. 1687 01:31:39.840 --> 01:31:42.079 The black because of the way that you know, the 1688 01:31:42.159 --> 01:31:44.880 scheme of the colors on the home that she had 1689 01:31:44.920 --> 01:31:49.560 picked out. So we all agreed, all that were in 1690 01:31:49.560 --> 01:31:52.600 that room, that they should be black. And what happened 1691 01:31:53.239 --> 01:31:57.079 was the actual salesperson aired and put gray in there 1692 01:31:57.600 --> 01:32:01.119 because of the conversation that I was having in everybody 1693 01:32:01.119 --> 01:32:05.239 in the room at first. So that's truly what happened. 1694 01:32:05.319 --> 01:32:06.079 And so I. 1695 01:32:06.159 --> 01:32:11.119 Went ahead so that salesperson could have gone in and 1696 01:32:11.279 --> 01:32:12.199 just made a correction. 1697 01:32:12.720 --> 01:32:14.560 Do you think the salesperson forgot? 1698 01:32:16.119 --> 01:32:18.800 I do I think the salesperson forgot. 1699 01:32:19.000 --> 01:32:20.159 Not that it's gonna make. 1700 01:32:20.079 --> 01:32:22.880 Any difference, because I sent an email to the director 1701 01:32:22.880 --> 01:32:25.560 of sales and the president of Richmond, you know, talking 1702 01:32:25.600 --> 01:32:27.880 to them about this, saying there was an air done, 1703 01:32:27.960 --> 01:32:30.920 but what we really want we want black shingles. They 1704 01:32:30.920 --> 01:32:33.479 got back to me and told me that, you know 1705 01:32:33.680 --> 01:32:37.880 the contractual, you know you're gonna get gray shingles. So 1706 01:32:37.920 --> 01:32:40.560 I'm like, hey, is there any other concessions that we 1707 01:32:40.600 --> 01:32:43.199 can go with? So they got back to me and said, 1708 01:32:43.239 --> 01:32:48.239 we'll give you a five thousand dollars credit towards closing costs. 1709 01:32:48.920 --> 01:32:54.479 Oh and so, so are you of the opinion that 1710 01:32:54.479 --> 01:32:56.640 that is a good deal or you know, I know 1711 01:32:56.720 --> 01:32:58.600 that the roof was going to be about twenty grand. 1712 01:32:58.640 --> 01:33:01.159 I have a friend, Wait a minute, wait a minute, 1713 01:33:01.359 --> 01:33:05.840 a five thousand dollars credit for you just as a 1714 01:33:05.840 --> 01:33:10.520 good will gesture? Or are you thinking about doing your 1715 01:33:10.520 --> 01:33:11.479 own black roof? 1716 01:33:12.680 --> 01:33:15.359 Well, I had thought about it. One of one of 1717 01:33:15.399 --> 01:33:17.880 my very very good friend works for Jay at Excel, 1718 01:33:18.439 --> 01:33:19.239 and I brought him. 1719 01:33:19.199 --> 01:33:20.000 Up there last night. 1720 01:33:20.119 --> 01:33:24.640 We looked and about you know what the roof would 1721 01:33:24.720 --> 01:33:26.920 actually cost. I don't know what it would cost Richmond 1722 01:33:26.920 --> 01:33:29.199 exactly because I'm sure they've got some sort of discounts 1723 01:33:29.199 --> 01:33:32.760 going on. But it's about a twenty thousand dollars roof, 1724 01:33:34.159 --> 01:33:35.000 So so. 1725 01:33:35.039 --> 01:33:37.439 You'd be out of pocket fifteen you'd be out of 1726 01:33:37.439 --> 01:33:38.800 pocket fifteen grand. 1727 01:33:40.039 --> 01:33:40.680 That's correct. 1728 01:33:41.399 --> 01:33:44.199 I wouldn't do it. I mean, is it that important? 1729 01:33:44.720 --> 01:33:45.920 Is it that important? 1730 01:33:47.319 --> 01:33:49.800 Well, more that I think about it, the more that 1731 01:33:49.880 --> 01:33:53.439 I you know, talk about it, it's it is. It 1732 01:33:53.479 --> 01:33:57.319 isn't very important to my woman. But you know, I mean, if. 1733 01:33:57.159 --> 01:33:59.960 They would they let you, would they let you walk? 1734 01:34:00.079 --> 01:34:00.279 Yeah? 1735 01:34:02.079 --> 01:34:03.319 I don't think they'll let me walk. 1736 01:34:03.399 --> 01:34:05.720 You know, you got I got mushia on it already. 1737 01:34:06.399 --> 01:34:08.159 You know, I doubt they would let me walk. 1738 01:34:08.359 --> 01:34:09.880 And I don't know that I really want to walk, 1739 01:34:09.880 --> 01:34:12.439 and I don't really want to, you know, bash the 1740 01:34:13.119 --> 01:34:16.159 homes because I'm homes are doing two by stars on 1741 01:34:16.279 --> 01:34:18.560 the exterior, so on and so forth. 1742 01:34:18.760 --> 01:34:21.600 It's a decent, nice raunch. 1743 01:34:22.720 --> 01:34:25.439 So you know, your friend at Excel try to talk 1744 01:34:25.479 --> 01:34:26.560 to you out of black too. 1745 01:34:27.880 --> 01:34:31.520 Oh yeah, see, obviously he absolutely did. 1746 01:34:32.119 --> 01:34:37.119 And why if you explain that to your spouse. I 1747 01:34:37.199 --> 01:34:40.479 think she may understand. 1748 01:34:41.720 --> 01:34:44.439 Yeah, and the other thing too, possibility of us going 1749 01:34:44.439 --> 01:34:47.880 in and saying, can we change the exterior colors to 1750 01:34:48.039 --> 01:34:50.880 match the gray now instead of matching the black. 1751 01:34:52.119 --> 01:34:54.840 Well, gray and black are in the same color spectrum. 1752 01:34:54.880 --> 01:34:56.960 What what would you have to change? I'm curious. 1753 01:34:58.119 --> 01:35:00.000 Well, I don't know whether I let her. 1754 01:35:00.039 --> 01:35:02.000 If it goes with black, it's going to go with 1755 01:35:02.079 --> 01:35:03.479 gray as far as I know. 1756 01:35:04.880 --> 01:35:06.479 Yeah, pretty much, pretty much. 1757 01:35:06.520 --> 01:35:09.800 So you know, did you have did you have black shutters? 1758 01:35:10.159 --> 01:35:11.359 Did you have black shutters? 1759 01:35:11.760 --> 01:35:14.319 No, no shutters on it at all, or there was 1760 01:35:15.239 --> 01:35:17.039 there's a little bit of black in the brick. There's 1761 01:35:17.039 --> 01:35:19.880 a brick on it, you know, on front and the back, 1762 01:35:19.960 --> 01:35:21.359 so there's a little lack in. 1763 01:35:21.439 --> 01:35:25.119 The shade of the brick color. 1764 01:35:26.039 --> 01:35:29.520 Other than that, I mean, she picked out a dark 1765 01:35:30.239 --> 01:35:33.199 trim color, which I think you know, in it probably 1766 01:35:33.239 --> 01:35:36.000 would be just fine even as it is. But I 1767 01:35:36.039 --> 01:35:38.000 suppose we could go in there and change the color 1768 01:35:38.039 --> 01:35:39.439 scheme if we really wanted to. 1769 01:35:40.359 --> 01:35:43.199 No, well, if you can, but I don't see if 1770 01:35:43.239 --> 01:35:44.680 you would or why you would. 1771 01:35:44.720 --> 01:35:47.680 But that's none of my business. This is none of 1772 01:35:47.680 --> 01:35:48.600 my business either. 1773 01:35:48.640 --> 01:35:52.800 But I'm just asking this just out of curiosity, truly, 1774 01:35:52.920 --> 01:35:56.960 and there's a reason for it because of real estate 1775 01:35:57.039 --> 01:36:01.600 transactions I've seen in the past. You mention your woman 1776 01:36:01.680 --> 01:36:03.960 not your wife. Are you married to this woman or 1777 01:36:04.000 --> 01:36:05.520 are you doing it as a partnership. 1778 01:36:07.119 --> 01:36:08.479 No, we're cohabitating. 1779 01:36:09.439 --> 01:36:12.159 But are you doing it as a partnership. 1780 01:36:13.680 --> 01:36:16.359 Well, I don't know how you define partnership. 1781 01:36:16.359 --> 01:36:16.640 We are. 1782 01:36:16.760 --> 01:36:18.359 Well, that's why I'm saying this, Rick. 1783 01:36:18.479 --> 01:36:21.199 I don't want to cause trouble, but I am telling 1784 01:36:21.239 --> 01:36:26.039 you it is insane to buy a house with someone 1785 01:36:26.479 --> 01:36:32.600 who is not your spouse without a partnership agreement. Okay now, 1786 01:36:35.319 --> 01:36:38.640 and I'm not talking And now now why do you 1787 01:36:38.640 --> 01:36:40.359 you do not need one with a spouse because the 1788 01:36:40.439 --> 01:36:44.399 laws cover marriage and dissolution of marriage. There are no 1789 01:36:44.560 --> 01:36:48.640 laws to cover your situation like percentage of ownership, who 1790 01:36:48.640 --> 01:36:53.399 contributed what? Who gets what? And I'm just saying, is 1791 01:36:53.439 --> 01:36:55.239 this the love of your life? 1792 01:36:55.319 --> 01:36:59.079 You're is this? Do you consider her your wife? 1793 01:36:59.479 --> 01:36:59.840 Yes? 1794 01:37:00.039 --> 01:37:03.520 And I get exactly what you're saying. He done. 1795 01:37:04.760 --> 01:37:06.800 I had a lawyer drawing up for us. 1796 01:37:06.840 --> 01:37:08.880 It's like, wait, so you do you do have a 1797 01:37:08.920 --> 01:37:13.399 partnership agreement? Shoul we do? Oh? That's good. 1798 01:37:13.439 --> 01:37:18.119 Okay, so so you are buying it as partners. 1799 01:37:17.680 --> 01:37:22.039 That's corrects all pretty much spelled out. 1800 01:37:22.119 --> 01:37:24.560 The excellent excellent man. 1801 01:37:24.720 --> 01:37:28.359 So so if something happens between the two of you, 1802 01:37:29.039 --> 01:37:33.920 then you have the dissolution spelled out. 1803 01:37:34.239 --> 01:37:35.359 We have it all spelled out. 1804 01:37:35.359 --> 01:37:35.880 We also are. 1805 01:37:35.880 --> 01:37:40.439 Good if you're a smart man, Rick, you're a smart man. 1806 01:37:40.520 --> 01:37:45.920 Thank you. I just again, but okay, but no, that's 1807 01:37:45.960 --> 01:37:46.760 a smart thing to do. 1808 01:37:46.840 --> 01:37:50.239 Appreciate what I appreciate that, Tom, but I but I 1809 01:37:50.239 --> 01:37:52.479 truly appreciate what you do. And I guess my call 1810 01:37:52.560 --> 01:37:54.680 today is more out of a frustration level. 1811 01:37:55.680 --> 01:37:58.960 They have a you know what, you know, here's the thing. 1812 01:37:59.039 --> 01:38:01.680 I'm going to tell you something that's weird. Let's say 1813 01:38:01.720 --> 01:38:04.960 a salesperson was there and said that, and you could 1814 01:38:05.079 --> 01:38:09.800 prove it, but the contract says something different. You will 1815 01:38:09.840 --> 01:38:14.720 find wording in that contract. It should be in that contract. 1816 01:38:14.800 --> 01:38:19.439 It's in most that says any other promises, verbal or 1817 01:38:19.439 --> 01:38:24.520 whatever are superseded by the contract. 1818 01:38:25.239 --> 01:38:28.640 Right, So, even with a witness. 1819 01:38:28.239 --> 01:38:29.319 Where that's right. 1820 01:38:29.880 --> 01:38:32.000 That's what I was getting at. And I don't call 1821 01:38:32.039 --> 01:38:35.760 it screwed. I call it divine intervention. And I'm just 1822 01:38:35.840 --> 01:38:39.319 kidding a little. But you don't. I love by the 1823 01:38:39.319 --> 01:38:42.359 way I know what she's trying to do. And I 1824 01:38:42.439 --> 01:38:45.359 love a black I love the way they look, so 1825 01:38:45.439 --> 01:38:47.680 don't get me wrong. I love a slate roof. Now 1826 01:38:47.720 --> 01:38:50.680 if it was slate, that's different. But man, I would 1827 01:38:50.840 --> 01:38:55.520 never go with a black asphalt roof, never, even though 1828 01:38:55.520 --> 01:38:57.359 I love it, even though I love the way it looks. 1829 01:38:57.359 --> 01:38:59.079 I got to take a break. I'm Tom Martine Moore 1830 01:38:59.079 --> 01:39:02.039 coming right up. Go with a sure thing Denver's best 1831 01:39:02.119 --> 01:39:05.000 roofer Excel Roofing dot com. You don't pay a cent 1832 01:39:05.199 --> 01:39:11.279 until you're content. Time for an insurance check up free, 1833 01:39:11.359 --> 01:39:15.079 no obligation. In comparison, call Compass Insurance paying too much 1834 01:39:15.199 --> 01:39:18.159 your coverage at dozens of insurance companies find out now 1835 01:39:18.239 --> 01:39:20.720 three all three seven seven to one help. You'll think 1836 01:39:20.760 --> 01:39:23.319 you're his only customer when you choose Frank durand the 1837 01:39:23.359 --> 01:39:26.000 real estate Man dot com to list your home with 1838 01:39:26.119 --> 01:39:29.640 Remax Alliance three oh three nine two zero sixteen twenty two. 1839 01:39:31.800 --> 01:39:34.479 Hi Tom Martinez here three O three seven one three 1840 01:39:34.520 --> 01:39:39.560 talk seven one three eight two five five U. Barry 1841 01:39:39.640 --> 01:39:43.520 called yesterday one to cancel his PUER talk phone, and 1842 01:39:44.279 --> 01:39:48.760 he said it was incapacitated not working, and he had 1843 01:39:48.800 --> 01:39:51.840 to get like some kind of password off it for 1844 01:39:51.960 --> 01:39:52.680 him to cancel. 1845 01:39:52.760 --> 01:39:56.079 So it's broken. He wants to cancel his account, but 1846 01:39:56.119 --> 01:39:58.239 they won't let him until he gives the verbal password. 1847 01:39:58.319 --> 01:39:59.880 I said, why don't you go online? They have an 1848 01:40:00.039 --> 01:40:02.119 online portal. I thought. 1849 01:40:03.079 --> 01:40:05.640 My people went on there and looked and said, there 1850 01:40:05.760 --> 01:40:08.680 is a way to cancel online without a verbal password, 1851 01:40:08.800 --> 01:40:11.319 or you can change your verbal password online. 1852 01:40:11.520 --> 01:40:13.000 So, Barry, what happened? 1853 01:40:14.760 --> 01:40:18.359 Yes, I found out yesterday when they went down down 1854 01:40:18.439 --> 01:40:21.600 a computer, went downtown on get down my computer. They 1855 01:40:21.640 --> 01:40:23.239 tried to make a payment. 1856 01:40:24.479 --> 01:40:26.680 On it. Who tried to Who tried to make a payment? 1857 01:40:26.960 --> 01:40:29.079 Barry, Uh, peer talk. 1858 01:40:29.960 --> 01:40:32.279 You mean they tried to take a payment from you? 1859 01:40:33.359 --> 01:40:37.920 Yes, And I changed my debit card. Good, and it 1860 01:40:38.039 --> 01:40:40.079 was returning. So I say, as you talked of it, 1861 01:40:40.239 --> 01:40:42.960 my tame of being a returned My account was canceled. 1862 01:40:43.680 --> 01:40:46.239 Oh good, So you accomplished what you wanted. 1863 01:40:47.399 --> 01:40:50.880 Yes, Okay, thank you for your advice. 1864 01:40:51.640 --> 01:40:54.680 Okay, Well I'm glad. I'm glad that happened. He changed 1865 01:40:54.720 --> 01:40:56.920 his debit card, so he did skin a cat a 1866 01:40:56.960 --> 01:41:00.399 different way. He changed his debit card, which in turn 1867 01:41:01.279 --> 01:41:05.720 helped him to get that canceled. Thank you very much. Hey, Chopper, 1868 01:41:06.239 --> 01:41:08.279 I know you only have a few seconds. This is 1869 01:41:08.279 --> 01:41:10.159 a follow up from yesterday, right Chopper. 1870 01:41:11.520 --> 01:41:14.159 Oh he did. Oh my goodness, Chopper is just strong. 1871 01:41:14.279 --> 01:41:16.960 Okay, Chopper, get on for the start of the next 1872 01:41:17.000 --> 01:41:20.560 hour and we'll talk about your follow up something with 1873 01:41:20.680 --> 01:41:23.479 that construction company. I got to figure out the original 1874 01:41:23.520 --> 01:41:26.319 caller and then we'll come out back with that and 1875 01:41:26.359 --> 01:41:29.319 more and any calls that you have three oh three 1876 01:41:29.600 --> 01:41:34.279 seven one three talk seven one three eight two five five. 1877 01:41:34.640 --> 01:41:35.319 And don't forget. 1878 01:41:35.319 --> 01:41:37.359 You can also call three oh three seven to one 1879 01:41:37.520 --> 01:41:39.800 three talk and you can text me. 1880 01:41:39.840 --> 01:41:42.079 Of course, we got more right after this. 1881 01:41:43.960 --> 01:41:47.239 Go with a sure thing Denver's Best roofer Excel Roofing 1882 01:41:47.319 --> 01:41:49.960 dot com. You don't pay a cent until you're content. 1883 01:41:53.359 --> 01:41:56.560 Time for an insurance check up free, no obligation in comparison, 1884 01:41:56.680 --> 01:41:59.960 call Compass Insurance paying too much your coverage? That does 1885 01:42:00.279 --> 01:42:03.000 of insurance companies find out now three oh three seven 1886 01:42:03.079 --> 01:42:05.880 seven to one help. You'll think you're his only customer 1887 01:42:05.920 --> 01:42:08.159 when you choose Frank durand the real estate Man dot 1888 01:42:08.199 --> 01:42:11.520 com to list your home with Remax Alliance three oh 1889 01:42:11.560 --> 01:42:13.520 three nine two zero sixteen twenty two. 1890 01:42:14.920 --> 01:42:22.439 Yeah, ripped of red news. 1891 01:42:23.119 --> 01:42:24.039 You need advice? 1892 01:42:24.079 --> 01:42:25.199 Who you don't have the. 1893 01:42:26.760 --> 01:42:29.479 Who come running just as fast as we can. 1894 01:42:30.399 --> 01:42:32.119 Show Shooter's gonna help. 1895 01:42:32.399 --> 01:42:36.439 Come man, This is the Troubleshooter Show. 1896 01:42:37.079 --> 01:42:42.359 Now Tom Martino, Hi, Tom Martino here, Welcome to the show. 1897 01:42:42.479 --> 01:42:45.640 Three oh three seven one three talk three oh three 1898 01:42:45.760 --> 01:42:49.039 seven one three eight two five five. How can we 1899 01:42:49.199 --> 01:42:52.119 help you today? We love helping people, so let's go 1900 01:42:52.239 --> 01:42:55.079 right to the phones. We've got Deputy Chopper who wants 1901 01:42:55.119 --> 01:42:59.720 to give us a follow up on a case that 1902 01:43:00.159 --> 01:43:03.520 came in I believe the other day from Clay. 1903 01:43:04.159 --> 01:43:05.279 I'm trying to find the call. 1904 01:43:05.479 --> 01:43:07.159 You remember when oh yeah, yeah, yeah, he bought a 1905 01:43:07.159 --> 01:43:10.119 house four years ago and the leech field went bad. 1906 01:43:10.199 --> 01:43:11.960 This is what was weird. Okay. 1907 01:43:12.800 --> 01:43:17.920 He hired a construction company to put in a new field, 1908 01:43:19.439 --> 01:43:21.920 a leech field. The leech field, for those listening, is 1909 01:43:22.000 --> 01:43:25.920 part of a septic system. That what happens with a 1910 01:43:25.960 --> 01:43:28.840 septic system. The sewer main from the house goes into 1911 01:43:28.920 --> 01:43:31.960 the septic The solids drop to the bottom and are 1912 01:43:32.000 --> 01:43:33.680 pumped out about every five years or so. 1913 01:43:33.760 --> 01:43:36.119 But the top the. 1914 01:43:37.880 --> 01:43:40.920 Liquids go out from to the top of the tank 1915 01:43:40.960 --> 01:43:44.079 through holes into a leech field where it evaporates. 1916 01:43:43.960 --> 01:43:48.600 And then enriches the soils. Usually it's a sandy soil 1917 01:43:48.640 --> 01:43:52.239 put in for a leech field. So what's going on? Though? 1918 01:43:52.399 --> 01:43:56.920 It failed and he paid ten grand up front on 1919 01:43:57.039 --> 01:44:02.760 June twentieth to Shraw Construction Mark Schraw, and then he said, 1920 01:44:02.840 --> 01:44:05.920 heard nothing from them. 1921 01:44:06.840 --> 01:44:10.560 Yes, Tom, I talked to Clay and we went over 1922 01:44:10.880 --> 01:44:13.399 several options that I told him that we could do. 1923 01:44:14.000 --> 01:44:18.479 He and the one option I said is I also 1924 01:44:18.520 --> 01:44:21.479 looked online, and believe it or not, this construction company 1925 01:44:21.920 --> 01:44:24.159 had more good things than bad things. 1926 01:44:24.319 --> 01:44:24.920 Oh okay. 1927 01:44:25.039 --> 01:44:28.199 And I said about having an attorney just sent a 1928 01:44:28.279 --> 01:44:32.279 letter there and tell them what's going on. Why can't we. 1929 01:44:32.199 --> 01:44:32.880 Get this done? 1930 01:44:33.039 --> 01:44:34.680 Why can't we call him today? 1931 01:44:36.560 --> 01:44:37.199 Excuse me? 1932 01:44:37.600 --> 01:44:38.840 Why can't we call him? 1933 01:44:41.319 --> 01:44:41.439 Uh? 1934 01:44:43.039 --> 01:44:47.239 Well, I'm just curious to say, go ahead. 1935 01:44:48.520 --> 01:44:52.239 Well, anyhow, the attorney wrote a letter and Clay called 1936 01:44:52.279 --> 01:44:54.319 me today. Oh, Clay didn't want to come on the air. 1937 01:44:54.359 --> 01:44:57.199 He says, he's not that good when he's talking on 1938 01:44:57.279 --> 01:45:02.079 the air today. And they showed up today all the equipment, 1939 01:45:02.199 --> 01:45:05.199 oh everything. 1940 01:45:05.560 --> 01:45:07.600 Did he have an attorney write a letter? 1941 01:45:09.119 --> 01:45:09.720 Yes he did? 1942 01:45:10.439 --> 01:45:12.920 How could he that was only that was only a 1943 01:45:13.000 --> 01:45:14.840 day ago, two days ago. 1944 01:45:15.159 --> 01:45:20.479 I know, I know, in uh, it's a ninety three ginger. 1945 01:45:22.239 --> 01:45:23.239 Wow, it sure is. 1946 01:45:23.359 --> 01:45:26.840 Hold On, I'm I like I like the idea. Hold on, 1947 01:45:27.800 --> 01:45:31.399 I like that idea. But Chopper, I'm wondering, did an 1948 01:45:31.439 --> 01:45:33.560 attorney really write a letter or do you think it was? 1949 01:45:33.720 --> 01:45:35.479 I mean, I'm not trying to take credit for it, 1950 01:45:35.560 --> 01:45:37.279 but but how the hell. 1951 01:45:37.119 --> 01:45:38.119 Did he get an attorney? 1952 01:45:38.119 --> 01:45:41.520 He called on the thirtieth, right, And how did he 1953 01:45:41.560 --> 01:45:42.279 get an attorney? 1954 01:45:44.520 --> 01:45:44.840 Yes? 1955 01:45:45.279 --> 01:45:48.079 Well I talked him two days ago and yeah, he 1956 01:45:48.119 --> 01:45:50.720 said he had attorney send the guy a letter. 1957 01:45:51.359 --> 01:45:51.880 Wow. 1958 01:45:52.239 --> 01:45:56.000 That's good work, play good work getting an attorney to 1959 01:45:56.000 --> 01:45:56.600 to do that. 1960 01:45:56.880 --> 01:46:00.960 Wow. So they showed up. 1961 01:46:02.359 --> 01:46:06.199 They showed up, and all the pipes everything. I think 1962 01:46:06.239 --> 01:46:08.439 I told you I was familiar with septic because I 1963 01:46:08.520 --> 01:46:12.439 have one. Everything's there and he's happy. 1964 01:46:12.720 --> 01:46:13.840 Oh man, that's good. 1965 01:46:14.319 --> 01:46:16.600 Yeah, And that that was only part of the money. 1966 01:46:16.640 --> 01:46:18.600 He has to pay the rest when it's done. I 1967 01:46:19.079 --> 01:46:24.039 recommend to this guy that he he waits for final 1968 01:46:24.079 --> 01:46:27.760 inspection before he pays. But I wonder why that company 1969 01:46:27.800 --> 01:46:29.680 didn't show up. But as you said, it wasn't a 1970 01:46:29.680 --> 01:46:30.680 bad company. 1971 01:46:30.319 --> 01:46:31.359 From what you could find. 1972 01:46:32.920 --> 01:46:33.560 That's correct. 1973 01:46:34.319 --> 01:46:36.920 Okay, Chopper, thanks you working on anything else. 1974 01:46:38.319 --> 01:46:40.479 I actually do. And I have to ask you on 1975 01:46:40.520 --> 01:46:43.680 this one, Tom, Did I ever give you a follow 1976 01:46:43.760 --> 01:46:47.279 up on the city of Jumpstown versus this pur house 1977 01:46:47.319 --> 01:46:48.439 that was getting flooded? 1978 01:46:50.079 --> 01:46:52.239 You know what, I'm not sure you did tell me 1979 01:46:52.279 --> 01:46:52.720 about it. 1980 01:46:54.079 --> 01:46:56.720 Well, I'll cut this one's real short because I know 1981 01:46:56.760 --> 01:46:59.479 we're busy. The bottom line is, I did get a 1982 01:46:59.479 --> 01:47:01.760 hold of this City of Johnstown. 1983 01:47:02.079 --> 01:47:03.880 I thought this was this angie. 1984 01:47:04.159 --> 01:47:07.600 Was this angie who bought a house that was built 1985 01:47:07.720 --> 01:47:12.000 in the sixties and and she said that the city's 1986 01:47:13.079 --> 01:47:16.479 drainage was doing damage to her house. 1987 01:47:17.760 --> 01:47:19.960 Yes, and causing termites and everything. 1988 01:47:20.159 --> 01:47:22.479 Yeah. 1989 01:47:22.880 --> 01:47:27.359 Well, this this is one where there appears to be 1990 01:47:27.439 --> 01:47:31.600 no immediate solution. The City of Johnstown basically is saying 1991 01:47:31.720 --> 01:47:35.399 the old They have no money. They say they inherited 1992 01:47:35.439 --> 01:47:39.039 this from Well County when they annexed the area. They're 1993 01:47:39.079 --> 01:47:41.680 aware of the problem, they want to fix it, but 1994 01:47:41.800 --> 01:47:44.600 it's not going to take place what. 1995 01:47:45.359 --> 01:47:47.640 They acknowledge it. And they say they're broke. 1996 01:47:49.319 --> 01:47:54.880 That's exactly right, Tom. Wow, I almost thought buy the 1997 01:47:54.960 --> 01:47:57.920 house and make it a retention pond, and that might 1998 01:47:58.000 --> 01:48:01.600 be the cheapest thing. Uh and she even gave that 1999 01:48:01.720 --> 01:48:02.199 some thought. 2000 01:48:02.880 --> 01:48:03.359 Wow. 2001 01:48:04.880 --> 01:48:08.439 But so the city acknowledges the problem but says they 2002 01:48:08.479 --> 01:48:09.680 can't afford to fix it. 2003 01:48:09.720 --> 01:48:14.079 But they say, yeah, they said, they have several other 2004 01:48:14.159 --> 01:48:17.680 public works going on at the same time, and there's 2005 01:48:17.760 --> 01:48:20.520 just no money in the twenty twenty four budget. 2006 01:48:20.760 --> 01:48:21.600 Maybe next year. 2007 01:48:23.359 --> 01:48:27.119 Oh man, you know that's weird, you know. Okay, well, 2008 01:48:27.159 --> 01:48:30.359 thank you for finding that out. I mean, you can't 2009 01:48:30.399 --> 01:48:34.640 fight city Hall literally, I mean if they but but 2010 01:48:34.880 --> 01:48:37.399 I'm wondering if she would have no and I'm serious 2011 01:48:37.399 --> 01:48:42.039 about this. You see, there's something in the governmental immunity 2012 01:48:42.119 --> 01:48:43.399 law that would be triggered. 2013 01:48:43.439 --> 01:48:47.039 Here do you know what that is? Governmental immunity says. 2014 01:48:47.520 --> 01:48:51.720 Here's what Governmental immunity says that as long as the 2015 01:48:51.760 --> 01:48:56.680 city or the municipality, whatever it is, can show it's 2016 01:48:56.720 --> 01:49:00.359 doing normal maintenance and repairs, it can't be held respondsible 2017 01:49:00.399 --> 01:49:01.039 for damages. 2018 01:49:02.399 --> 01:49:04.159 But they're admitting they're not doing it. 2019 01:49:05.479 --> 01:49:08.319 I think they could be held responsible for damages. 2020 01:49:10.680 --> 01:49:11.880 I mean, I really do. 2021 01:49:11.960 --> 01:49:14.720 I think in a civil action. I think in a 2022 01:49:14.760 --> 01:49:17.479 civil action, if she you might want to mention to her, 2023 01:49:17.880 --> 01:49:21.880 if she brought a civil action, she could probably prove 2024 01:49:21.960 --> 01:49:25.640 that they're not maintaining the infrastructure properly, and that's not 2025 01:49:25.760 --> 01:49:28.720 her problem. That they annexed it without money. They're going 2026 01:49:28.760 --> 01:49:31.159 to have to raise taxes or something. But she shouldn't 2027 01:49:31.199 --> 01:49:33.279 be the sole victim, not at all. 2028 01:49:34.359 --> 01:49:38.560 So okay, there's also ten neighbors that might go in. 2029 01:49:39.920 --> 01:49:42.560 Well, that's a good idea because I think they have 2030 01:49:42.640 --> 01:49:44.640 a good case and I don't think immunity is going 2031 01:49:44.720 --> 01:49:47.479 to get is going to be on the city side 2032 01:49:47.520 --> 01:49:50.079 in this case because they say they're broke. 2033 01:49:50.199 --> 01:49:53.279 That is not immunity. That's stupidity. 2034 01:49:54.319 --> 01:49:58.600 That's lack of management, lack of leadership Johnstown. 2035 01:49:58.920 --> 01:50:00.000 I agree with you. 2036 01:50:01.119 --> 01:50:03.159 I wonder if a lot of people in Johnstown are 2037 01:50:03.239 --> 01:50:06.520 unhappy with the city. It seems that they have these problems. 2038 01:50:06.520 --> 01:50:09.960 They have to have a lot more. Thanks for uncovering 2039 01:50:09.960 --> 01:50:12.279 that we ought to you know people in Johnstown. If 2040 01:50:12.319 --> 01:50:14.920 you know of people, spread the word and send us 2041 01:50:14.960 --> 01:50:17.680 some emails or call the show. I want to know 2042 01:50:18.119 --> 01:50:20.359 what's going on in Johnstown that they have the nerve 2043 01:50:20.439 --> 01:50:22.640 to say they're running out of money, Well, then raise 2044 01:50:22.680 --> 01:50:27.319 your taxes or something, or disor or or don't incorporate. 2045 01:50:27.479 --> 01:50:28.720 I mean, what the hell are you doing. 2046 01:50:28.960 --> 01:50:32.840 They annexed parts of places they can't afford to fix 2047 01:50:33.359 --> 01:50:33.960 or maintain. 2048 01:50:34.359 --> 01:50:38.560 Are they insane? You know that's not an excuse. Who's 2049 01:50:38.600 --> 01:50:41.560 ever heard of such a thing. Well, when we annexed it, 2050 01:50:41.600 --> 01:50:50.000 we inherited these problems. Well guess what they're your problems? Now, Golee. 2051 01:50:50.079 --> 01:50:52.239 We have a lot more coming up on the Troubleshooter Show. 2052 01:50:52.279 --> 01:50:55.079 By the way, Dan McKenzie is an estate planning attorney. 2053 01:50:55.520 --> 01:50:59.520 Dan McKenzie McKenzie Law. Everyone needs a will, not everyone 2054 01:50:59.560 --> 01:51:01.760 needs any anything else, But if you do, you can 2055 01:51:01.800 --> 01:51:04.960 go to Dan McKenzie can talk about preserving your business, 2056 01:51:05.359 --> 01:51:09.439 passing on your business, maybe uh, your your assets of 2057 01:51:09.479 --> 01:51:12.439 some kind you want to protect, or you need a trust, 2058 01:51:12.760 --> 01:51:17.399 whatever it is. Dan McKenzie mackenzie Law. Very personalized service 2059 01:51:17.680 --> 01:51:23.720 eight three three co plans Go with a sure thing 2060 01:51:23.840 --> 01:51:27.159 Denver's Best Roofer Excel Roofing dot com. You don't pay 2061 01:51:27.199 --> 01:51:33.840 a cent until you're content. Time for an insurance checkup free, 2062 01:51:33.920 --> 01:51:37.640 no obligation. In comparison, call Compass insurance paying too much 2063 01:51:37.760 --> 01:51:40.720 your coverage at dozens of insurance companies find out now 2064 01:51:40.800 --> 01:51:43.079 three oh three seven to seven to one help You'll 2065 01:51:43.079 --> 01:51:45.840 think you're his only customer when you choose Frank durand 2066 01:51:45.840 --> 01:51:48.279 the real estate man dot com to list your home 2067 01:51:48.520 --> 01:51:51.680 with Remax Alliance three oh three nine two zero sixteen 2068 01:51:51.720 --> 01:51:58.439 twenty two. Hi Tom Martino here three oh three seven 2069 01:51:58.520 --> 01:52:00.560 one three talk three oh three he even won three 2070 01:52:00.600 --> 01:52:04.119 eight two five five. Nancy and I believe arts on 2071 01:52:04.159 --> 01:52:06.039 the phone to an issue with a dentist. 2072 01:52:06.119 --> 01:52:06.880 What's happening? 2073 01:52:08.039 --> 01:52:09.800 Yes, hopefully you can help us. 2074 01:52:10.039 --> 01:52:11.039 Yeah, what's going on? 2075 01:52:12.319 --> 01:52:17.760 Yeah, Nancy, I'm here with that. She's here, So what's happening? 2076 01:52:18.760 --> 01:52:21.560 She had a forty five thousand dollars implant at a 2077 01:52:21.680 --> 01:52:23.159 demo Associates of Aurora. 2078 01:52:23.760 --> 01:52:25.600 Wait a minute, Wait a minute, Wait a minute. 2079 01:52:25.640 --> 01:52:31.000 A forty five thousand dollars implant? 2080 01:52:31.800 --> 01:52:33.720 Correct, and she paid out of pocket? 2081 01:52:34.039 --> 01:52:36.640 Wait a minute, Hold on, no, no, no, I know 2082 01:52:36.680 --> 01:52:39.359 that you want to tell your story, But my God 2083 01:52:39.399 --> 01:52:42.399 in Heaven, I mean I've never heard of an implant 2084 01:52:42.399 --> 01:52:47.119 more than I mean, at the outside with the full restoration, 2085 01:52:47.920 --> 01:52:49.199 it's maybe five thousand. 2086 01:52:49.239 --> 01:52:53.000 Are you talking about one implant or a mouth whole mouth? 2087 01:52:53.720 --> 01:52:53.920 Oh? 2088 01:52:53.960 --> 01:53:00.000 Well, okay, okay, that's different. So she had dentures with implant, 2089 01:53:00.279 --> 01:53:00.840 is that right? 2090 01:53:01.880 --> 01:53:02.079 Yeah? 2091 01:53:02.119 --> 01:53:05.640 She had a old old mouth, the. 2092 01:53:05.680 --> 01:53:07.960 Whole mouth restoration, I got it. 2093 01:53:08.079 --> 01:53:11.479 How many actual implants were done? 2094 01:53:11.760 --> 01:53:12.000 Ten? 2095 01:53:13.840 --> 01:53:21.079 And then then so one implant holds a few teeth, right, yes, okay, 2096 01:53:21.159 --> 01:53:22.600 so keep going what happened then? 2097 01:53:23.720 --> 01:53:26.279 And then she went in to get a teeth cleaning 2098 01:53:26.880 --> 01:53:33.560 and a dental associates charge insurance company h thirteen hundred. 2099 01:53:33.600 --> 01:53:37.479 You know, the six hundred dollars service, and now they 2100 01:53:37.520 --> 01:53:41.920 won't won't reimburse the seven hundred dollars. 2101 01:53:42.000 --> 01:53:43.600 I'm not sure what we're talking about. 2102 01:53:44.479 --> 01:53:48.640 So this is after the forty five thousand dollars was spent, 2103 01:53:49.279 --> 01:53:51.800 she went in for a regular cleaning, is that right? 2104 01:53:52.920 --> 01:53:53.960 Correct? 2105 01:53:54.159 --> 01:53:55.960 And it was thirteen hundred. 2106 01:53:58.159 --> 01:54:01.000 They charged her thirteen hundred dollars. But as a six 2107 01:54:01.119 --> 01:54:02.319 hundred dollars procedure. 2108 01:54:03.199 --> 01:54:04.159 Now, how do you know? 2109 01:54:04.840 --> 01:54:07.760 And I'm not arguing, I just need to know when 2110 01:54:07.800 --> 01:54:11.399 you say it is a six hundred dollars procedure, how 2111 01:54:11.399 --> 01:54:12.119 do you know that? 2112 01:54:13.359 --> 01:54:15.159 Well, they gave us the bill and I said six 2113 01:54:15.239 --> 01:54:15.880 hundred dollars. 2114 01:54:19.760 --> 01:54:25.319 Okay, So that's how much the cleaning was? Six hundred dollars? 2115 01:54:25.359 --> 01:54:28.640 Correct? So they charged an insurance company thirteen hundred? 2116 01:54:28.920 --> 01:54:30.800 Oh? 2117 01:54:30.119 --> 01:54:31.159 Oh oh oh? 2118 01:54:31.640 --> 01:54:32.960 Now I understand. 2119 01:54:33.279 --> 01:54:38.439 So they got reimbursed thirteen hundred bucks. 2120 01:54:38.479 --> 01:54:42.319 Correct, But Nancy kent seven hundred dollars back to her 2121 01:54:42.359 --> 01:54:43.800 allowance on her insurance. 2122 01:54:45.239 --> 01:54:47.399 But let me let me ask you this because I'm 2123 01:54:47.439 --> 01:54:52.159 a bit confused. Sometimes insurance works like this where you 2124 01:54:52.239 --> 01:54:56.199 have a portion to pay and then the insurance. 2125 01:54:55.680 --> 01:55:00.119 Pays a portion. Or was this like, did she have 2126 01:55:00.199 --> 01:55:01.680 a copay for the cleaning. 2127 01:55:03.359 --> 01:55:06.560 No, it was just a six hundred dollars charge. 2128 01:55:06.960 --> 01:55:10.239 So the cleaning if I walked in off the street 2129 01:55:10.720 --> 01:55:12.079 would be six hundred dollars. 2130 01:55:13.199 --> 01:55:14.600 Yes, that's what they charged her. 2131 01:55:15.600 --> 01:55:17.560 That's a lot of money for a cleaning. By the way, 2132 01:55:19.920 --> 01:55:22.039 was why was it so much the cleaning? 2133 01:55:24.199 --> 01:55:28.079 According to the dentist doctor Lee says, there's a procedure 2134 01:55:28.199 --> 01:55:30.560 to have these certain tools to get the dentures. 2135 01:55:30.800 --> 01:55:33.359 Oh, because of all the implants. Yeah, it might be 2136 01:55:33.399 --> 01:55:35.920 a whole different ballgame when you have that. 2137 01:55:36.279 --> 01:55:38.760 Yeah, that could be so. 2138 01:55:38.760 --> 01:55:42.239 So after that, she was charged six hundred dollars for 2139 01:55:42.279 --> 01:55:47.319 a cleaning, and you're saying that your insurance company reimburse 2140 01:55:47.479 --> 01:55:49.319 that dentist thirteen. 2141 01:55:48.920 --> 01:55:55.560 Hundred Dental Association still have seven hundred dollars that belong 2142 01:55:55.680 --> 01:55:57.439 to the insurance. 2143 01:55:56.920 --> 01:56:01.239 Company because the insurance company overpaid. 2144 01:56:02.720 --> 01:56:09.640 Correct, So you never paid out of pocket? Is that right? 2145 01:56:11.119 --> 01:56:14.119 She paid out a pocket for the initial payment because 2146 01:56:14.159 --> 01:56:17.159 they would not accept the insurance company because they weren't 2147 01:56:17.159 --> 01:56:20.600 sure if the dental codes would cover it. And we 2148 01:56:20.640 --> 01:56:22.760 found out that dental codes were covered. 2149 01:56:23.319 --> 01:56:25.359 So what did she pay out of pocket? 2150 01:56:26.119 --> 01:56:28.439 She paid six hundred but that was reinversed. 2151 01:56:29.039 --> 01:56:33.560 Okay, So right now, why do you now and I 2152 01:56:33.560 --> 01:56:35.920 don't mean this to be a wise ass, why do 2153 01:56:36.000 --> 01:56:39.199 you care if you got your money back? Why do 2154 01:56:39.279 --> 01:56:41.359 you care what they charged your insurance? 2155 01:56:42.560 --> 01:56:45.119 Well, the reason is she needs that seven hundred dollars 2156 01:56:45.199 --> 01:56:48.239 back for another procedure and she only has that three 2157 01:56:48.319 --> 01:56:50.520 hundred dollars left in her dental allowance. 2158 01:56:51.279 --> 01:56:56.640 Oh because, okay, so the insurance only pays a certain 2159 01:56:56.680 --> 01:56:58.199 allowance what every year? 2160 01:56:59.319 --> 01:57:03.479 Yeah, a year? And then she paid six hundred for 2161 01:57:03.520 --> 01:57:04.359 the cleaning. 2162 01:57:04.479 --> 01:57:05.960 No, I get it, I get it. 2163 01:57:06.159 --> 01:57:10.159 So because she has only a certain amount every year 2164 01:57:10.239 --> 01:57:15.159 in benefits, she needs them to credit the extra money 2165 01:57:15.239 --> 01:57:16.279 and not charge it. 2166 01:57:17.399 --> 01:57:17.760 Correct. 2167 01:57:18.960 --> 01:57:21.119 But can I ask you something, what kind of dental 2168 01:57:21.159 --> 01:57:24.600 plan is this? It's just to. 2169 01:57:26.119 --> 01:57:28.680 Do signa a dental fan through signa. 2170 01:57:29.039 --> 01:57:31.800 Really and and how does it work? How much do 2171 01:57:31.840 --> 01:57:33.000 you pay every month for it? 2172 01:57:34.960 --> 01:57:39.119 You paid paying that my medicad of money that ensued. 2173 01:57:40.079 --> 01:57:42.000 I think if she pays like three hundred months for 2174 01:57:42.079 --> 01:57:43.159 insurance something like that. 2175 01:57:43.199 --> 01:57:46.439 Okay, I got it, I got it. Okay, So listen, man, 2176 01:57:47.920 --> 01:57:54.239 this dental office basically overcharged or did the code call 2177 01:57:54.359 --> 01:57:55.600 for that money? 2178 01:57:56.279 --> 01:57:58.680 The cold came up that six hundred dollars? 2179 01:58:01.199 --> 01:58:02.600 Did you tell them about this? 2180 01:58:03.600 --> 01:58:05.439 Oh yeah, We've been dealing with this for one hundred 2181 01:58:05.439 --> 01:58:06.159 and ten days. 2182 01:58:06.760 --> 01:58:09.079 What do they say when you say you got paid 2183 01:58:09.119 --> 01:58:10.760 too much? What do they say about it? 2184 01:58:11.800 --> 01:58:13.720 They said that they were going to send the check 2185 01:58:13.840 --> 01:58:18.399 to Signa about six to eight weeks ago, and Signa 2186 01:58:18.439 --> 01:58:20.640 has not received the check yet. We just got off 2187 01:58:20.640 --> 01:58:23.479 the phone with Signa and still no check. 2188 01:58:27.800 --> 01:58:28.880 Okay. 2189 01:58:28.960 --> 01:58:34.880 And because of that, your wife's allowance is lower, she 2190 01:58:35.039 --> 01:58:36.520 doesn't have as much money left. 2191 01:58:37.479 --> 01:58:40.039 Right three hundred and another quick thing. We've been dealing 2192 01:58:40.079 --> 01:58:43.760 with this for a long time, and and Dental Associates 2193 01:58:43.760 --> 01:58:46.880 of Aurora told Signa not to call back no more. 2194 01:58:47.159 --> 01:58:50.039 We've had multiple three ways with a dental office. 2195 01:58:50.560 --> 01:58:54.680 Wait a minute, so Dental Associates of Aurora is the 2196 01:58:54.680 --> 01:59:00.640 one doing this correct, And they're the ones that did 2197 01:59:00.680 --> 01:59:03.199 the forty five thousand dollars restoration. 2198 01:59:04.600 --> 01:59:07.399 Correct. They kicked her out and they won't reimburse the 2199 01:59:07.439 --> 01:59:09.720 seven hundred dollars and they told us not to call 2200 01:59:09.840 --> 01:59:11.880 no more. So that's why we called you. 2201 01:59:13.119 --> 01:59:15.279 I would take him the small claims court, I swear 2202 01:59:15.319 --> 01:59:19.560 to God I would. I would, because in essence, they 2203 01:59:19.600 --> 01:59:21.319 took that money from her allowance. 2204 01:59:22.520 --> 01:59:22.800 Right. 2205 01:59:23.760 --> 01:59:27.520 I think if you, I think if you. 2206 01:59:27.560 --> 01:59:31.520 Started a small claim I really mean this, I think 2207 01:59:31.600 --> 01:59:32.800 that would shake them up. 2208 01:59:33.000 --> 01:59:37.039 I think you would get some action. Or have you 2209 01:59:37.079 --> 01:59:38.119 called the dental board? 2210 01:59:39.640 --> 01:59:41.479 I'm not not yet. We just got off the phone 2211 01:59:41.520 --> 01:59:42.680 with Signa and. 2212 01:59:43.159 --> 01:59:45.399 But it's been one hundred and ten days and you 2213 01:59:45.399 --> 01:59:46.720 didn't call the dental board. 2214 01:59:48.479 --> 01:59:48.520 No. 2215 01:59:48.840 --> 01:59:50.880 Signa was supposed to take care of it, but they 2216 01:59:50.960 --> 01:59:52.520 just told us that we have to buy all these 2217 01:59:52.520 --> 01:59:54.600 appeals now and that's going to take another four or 2218 01:59:54.600 --> 01:59:55.079 five months. 2219 01:59:55.079 --> 01:59:57.960 Wait wait, wait, wait wait, why would that that's a 2220 01:59:57.960 --> 02:00:00.960 good point. Signa is the one that paid it. Do 2221 02:00:01.079 --> 02:00:02.680 they know they overpaid? 2222 02:00:03.560 --> 02:00:07.039 Yes, they do, then why don't they do something about it? 2223 02:00:08.479 --> 02:00:10.720 That's what we were calling. That's why we got frustrated 2224 02:00:10.720 --> 02:00:13.399 with them and said, I'm calling Tom Martino, been listening 2225 02:00:13.399 --> 02:00:14.039 for thirty years. 2226 02:00:14.039 --> 02:00:18.039 By the way, man, I'd love to help you on this, 2227 02:00:18.159 --> 02:00:19.640 but I am trying to help you. 2228 02:00:19.720 --> 02:00:23.359 I'm not telling you we won't help you. But I'm almost. 2229 02:00:22.960 --> 02:00:28.560 Positive if you file small claims court against Dental Associates 2230 02:00:28.600 --> 02:00:33.880 of Aurora for overcharging and you can show that they 2231 02:00:34.119 --> 02:00:34.560 how do. 2232 02:00:34.520 --> 02:00:37.279 You know what was paid to them from your is? 2233 02:00:37.760 --> 02:00:41.439 Does it show on your EIB your explanation or your 2234 02:00:41.479 --> 02:00:45.720 EOB or explanation of benefits. 2235 02:00:44.800 --> 02:00:47.119 On the receipt we got from them just says six 2236 02:00:47.199 --> 02:00:49.800 hundred dollars on the date of service, which is four 2237 02:00:49.920 --> 02:00:50.800 ten twenty four. 2238 02:00:51.520 --> 02:00:56.600 Right, But what about the money your insurance paid? 2239 02:00:56.600 --> 02:00:58.399 Where do you get that figure. 2240 02:01:01.079 --> 02:01:03.000 From the insurance company? They said that it was a 2241 02:01:03.039 --> 02:01:07.640 six hundred dollars um charge and then like they said, 2242 02:01:07.760 --> 02:01:11.880 now they want they're overcharged by seven hundred, Insigna pull us. 2243 02:01:11.880 --> 02:01:13.199 It's up to us to get it back. 2244 02:01:14.760 --> 02:01:17.239 No, I don't see. That doesn't make sense to. 2245 02:01:17.159 --> 02:01:18.960 Me exactly. 2246 02:01:20.800 --> 02:01:25.239 So and so wait, wait are they saying that they 2247 02:01:25.279 --> 02:01:29.439 were charged six hundred dollars at first and then another 2248 02:01:29.680 --> 02:01:30.840 seven hundred dollars? 2249 02:01:32.279 --> 02:01:37.000 Now they charged thirteen hundred dollars for six hundred dollar fee. 2250 02:01:36.960 --> 02:01:41.560 And okay six and got the what. 2251 02:01:42.760 --> 02:01:44.840 That six hundred dollars back that she paid through her 2252 02:01:44.840 --> 02:01:47.199 credit card? So that we're not worried about that. 2253 02:01:47.399 --> 02:01:50.119 No, I know you got that back, but your insurance 2254 02:01:50.159 --> 02:01:53.119 company is out thirteen hundred bucks. 2255 02:01:55.119 --> 02:01:56.840 I think it's seven hundred Now. 2256 02:02:00.119 --> 02:02:02.680 To hunt it for clean tea. 2257 02:02:02.199 --> 02:02:02.960 Or what it? 2258 02:02:03.439 --> 02:02:06.720 Okay, okay, I'm more confused now than ever I thought 2259 02:02:06.760 --> 02:02:08.399 I had this down hold on. 2260 02:02:08.600 --> 02:02:09.600 I want to get this straight. 2261 02:02:10.279 --> 02:02:12.600 You're telling me it was a six Just wait, just 2262 02:02:13.039 --> 02:02:16.199 for very simple answers. You told me it was a 2263 02:02:16.279 --> 02:02:20.600 six hundred dollars cleaning, right, correct. What is the total 2264 02:02:20.720 --> 02:02:25.239 amount of money your insurance paid for that cleaning? 2265 02:02:26.560 --> 02:02:27.399 Thirteen hundred? 2266 02:02:27.880 --> 02:02:33.760 Well, then that's another seven hundred dollars. So they're overcharged seven. 2267 02:02:33.520 --> 02:02:35.600 Hundred dollars correct. 2268 02:02:35.960 --> 02:02:42.119 Okay, so you need to sue this dental office for 2269 02:02:42.399 --> 02:02:47.319 seven hundred dollars because they over they in essence overcharged 2270 02:02:47.359 --> 02:02:49.960 you even though the insurance paid it. 2271 02:02:49.960 --> 02:02:51.560 It came out of her benefit. 2272 02:02:52.560 --> 02:02:52.960 Correct. 2273 02:02:54.000 --> 02:02:57.520 I would start that immediately, I swear to God. I 2274 02:02:57.520 --> 02:03:01.119 would start. I would go online in the county they're in. 2275 02:03:01.159 --> 02:03:04.720 They're in Aurora, I would do a small claim for 2276 02:03:04.920 --> 02:03:07.359 seven hundred dollars plus. 2277 02:03:07.479 --> 02:03:08.880 We will call them as well. 2278 02:03:09.239 --> 02:03:12.840 The problem with calling for medical stuff like this is 2279 02:03:12.840 --> 02:03:14.920 they're going to cite HIPPA and all. 2280 02:03:14.800 --> 02:03:15.479 Of that crap. 2281 02:03:15.840 --> 02:03:18.199 But if we do it the right way, we're not 2282 02:03:18.399 --> 02:03:22.399 going to ask for any medical information whatsoever. We're simply 2283 02:03:22.439 --> 02:03:26.279 going to ask them why are they overcharging for a 2284 02:03:26.319 --> 02:03:29.720 procedure and why didn't they refund the money to your 2285 02:03:29.760 --> 02:03:30.840 insurance period? 2286 02:03:31.199 --> 02:03:36.479 I mean that it's crazy. I mean it sounds pretty 2287 02:03:36.479 --> 02:03:37.319 dishonest to me. 2288 02:03:38.600 --> 02:03:41.439 Yeah, we're not allowed to call them anymore, as well 2289 02:03:41.479 --> 02:03:43.079 as SINGNA can't call them anymore. 2290 02:03:43.920 --> 02:03:46.640 Well, who says god? I mean, what do you mean 2291 02:03:46.680 --> 02:03:47.680 you're not allowed to call them? 2292 02:03:48.000 --> 02:03:51.119 Oh, they told SIGNA that do not call anymore on 2293 02:03:51.159 --> 02:03:51.720 this matter. 2294 02:03:53.239 --> 02:03:56.399 But why do they believe they should keep an extra 2295 02:03:56.479 --> 02:03:58.520 seven hundred dollars? 2296 02:03:58.600 --> 02:04:01.800 Yeah, supposedly, they say, the check but not received. 2297 02:04:02.600 --> 02:04:05.920 Well, doc, can you take a stab at this? 2298 02:04:06.560 --> 02:04:08.920 I can tell you what they're going to say. They're 2299 02:04:08.960 --> 02:04:11.399 going to say that they can't even acknowledge the fact 2300 02:04:11.680 --> 02:04:15.359 that she was a patient there. So why would not 2301 02:04:15.439 --> 02:04:19.399 only would I file small claims? I would call the 2302 02:04:19.439 --> 02:04:23.279 insurance Commissioner because it's an insurance matter, and they might 2303 02:04:23.319 --> 02:04:25.640 step in and get to settled very quickly. 2304 02:04:26.680 --> 02:04:29.000 I don't think the Insurance commission will get involved. And 2305 02:04:29.039 --> 02:04:32.119 I'll tell you why. Tell me why because because here's why. 2306 02:04:32.199 --> 02:04:35.159 Because the victim here is an insurance company, and the 2307 02:04:35.199 --> 02:04:41.439 insurance company isn't even complaining. The consumers have no standing there. Now, 2308 02:04:41.560 --> 02:04:44.199 why would they have standing in small claims court? Because 2309 02:04:44.439 --> 02:04:47.079 it came out of her benefit? How much does she 2310 02:04:47.239 --> 02:04:48.800 get in a benefit. 2311 02:04:48.359 --> 02:04:54.239 For each calendar year sixteen? So they basically took seven 2312 02:04:54.319 --> 02:04:55.199 hundred away from that? 2313 02:04:56.920 --> 02:05:00.439 Correct, she has a three hundred left in and it 2314 02:05:00.520 --> 02:05:01.640 should be one thousand. 2315 02:05:02.399 --> 02:05:04.840 Right, I get exactly where you're going with this. 2316 02:05:05.760 --> 02:05:09.399 It makes complete sense to me, and I would sue 2317 02:05:09.399 --> 02:05:12.720 them in small claims court and docs, right, I mean, 2318 02:05:12.800 --> 02:05:15.319 you have to do this directly. You sue them in 2319 02:05:15.359 --> 02:05:19.199 small claims court and say that your her insurance account 2320 02:05:19.239 --> 02:05:24.680 was overcharged by seven hundred dollars, diminishing her benefit by 2321 02:05:24.680 --> 02:05:27.319 that much, and you want to be reimbursed since now. 2322 02:05:27.119 --> 02:05:29.560 You have to pay for it. You really need to 2323 02:05:29.600 --> 02:05:31.880 do it, bro And and we'll give. 2324 02:05:31.680 --> 02:05:35.119 You instructions not on the law, but on the logistics 2325 02:05:35.119 --> 02:05:38.479 of filing. But you go online and download the form 2326 02:05:38.840 --> 02:05:40.960 and I will even talk to you about serving it 2327 02:05:41.039 --> 02:05:44.399 and stuff or maybe help you serve them. It's dental 2328 02:05:44.439 --> 02:05:49.000 Associates of Aurora of people. Be be very cautious. If 2329 02:05:49.000 --> 02:05:52.359 they're doing this to these people, then who the hell 2330 02:05:52.399 --> 02:05:53.119 else are they. 2331 02:05:53.000 --> 02:05:55.439 Doing this too? We have more coming right up. 2332 02:05:56.159 --> 02:05:59.439 Go with a sure thing Denver's Best roofer Excel Roofing 2333 02:05:59.520 --> 02:06:00.000 dot com. 2334 02:06:00.159 --> 02:06:02.199 You don't pay a cent until you're content. 2335 02:06:05.560 --> 02:06:09.119 Time for an insurance checkup free, no obligation comparison call 2336 02:06:09.199 --> 02:06:12.520 Compass Insurance Paying too much your coverage at dozens of 2337 02:06:12.560 --> 02:06:15.199 insurance companies find out now three all three seven to 2338 02:06:15.279 --> 02:06:18.079 seven to one help. You'll think you're his only customer 2339 02:06:18.119 --> 02:06:20.399 when you choose Frank durand the real estate Man dot 2340 02:06:20.399 --> 02:06:23.720 com to list your home with Remax Alliance three all 2341 02:06:23.760 --> 02:06:28.720 three nine two zero sixteen twenty two. Hi Tom Martino, 2342 02:06:29.760 --> 02:06:33.800 your troubleshooter three al three seven one three talk seven 2343 02:06:33.840 --> 02:06:35.119 one three eight two five five. 2344 02:06:35.199 --> 02:06:38.119 Jeremiah's on the line. Now, Hi Jeremiah, what's happening? 2345 02:06:38.960 --> 02:06:39.880 Hey Tom? How's it going? 2346 02:06:40.199 --> 02:06:41.640 Good man? What's going on with you? 2347 02:06:43.479 --> 02:06:46.720 Not a whole lot. I just recently hired an electrician 2348 02:06:46.720 --> 02:06:49.960 to come in and do some work for me. Yeah, 2349 02:06:50.479 --> 02:06:51.479 install some lights. 2350 02:06:51.600 --> 02:06:51.960 Uh. 2351 02:06:52.000 --> 02:06:54.399 And I was in the attic for something else after 2352 02:06:54.439 --> 02:06:58.840 the installation was done and noticed that the electrical line 2353 02:06:58.840 --> 02:07:03.000 that was run came comes through. They punched a hole 2354 02:07:03.439 --> 02:07:08.039 in my furnace vent that goes from the basement through 2355 02:07:08.600 --> 02:07:09.239 that experience. 2356 02:07:09.279 --> 02:07:10.399 You mean your duct work. 2357 02:07:11.319 --> 02:07:13.880 Yeah, and they ran the electrical through the duct work, 2358 02:07:14.039 --> 02:07:14.880 so there's a okay. 2359 02:07:15.239 --> 02:07:18.520 So they ran it through the duct work as opposed 2360 02:07:18.560 --> 02:07:20.920 to running it around the duckers. 2361 02:07:21.000 --> 02:07:23.199 So they literally just drilled through the metal. 2362 02:07:24.399 --> 02:07:26.600 Yeah, I've got pictures. They just ripped a hole in 2363 02:07:26.680 --> 02:07:29.760 the in the vent. And it's not when you say. 2364 02:07:29.640 --> 02:07:31.960 Vent though, was there a vent already there? 2365 02:07:33.079 --> 02:07:35.239 No, this is the event for the furnace, the CO 2366 02:07:35.479 --> 02:07:38.039 two break, the off gassing. 2367 02:07:38.239 --> 02:07:41.279 Okay, got it, okay, So. 2368 02:07:40.720 --> 02:07:43.640 So they just it was it was there in an 2369 02:07:43.640 --> 02:07:45.920 event cap and so they just punched a hole on it. 2370 02:07:46.000 --> 02:07:48.439 So I'm concerned about CO two in the attic and 2371 02:07:48.439 --> 02:07:49.279 all that kind of stuff. 2372 02:07:49.439 --> 02:07:52.720 Yeah, well okay, but your attic should be ventilated any way. 2373 02:07:52.800 --> 02:07:55.720 But still you don't want CO two. So this this 2374 02:07:55.840 --> 02:07:58.199 flu is the furnace in the attic. 2375 02:07:59.279 --> 02:08:00.600 No, the furnace is in the basement. 2376 02:08:00.640 --> 02:08:01.159 It just runs. 2377 02:08:01.199 --> 02:08:04.199 Okay, so this is the flu, the exhaust flu that 2378 02:08:04.279 --> 02:08:05.279 goes out. 2379 02:08:05.680 --> 02:08:06.439 Correct. 2380 02:08:06.800 --> 02:08:10.560 Oh that's what they drilled through. Correct. So there's a 2381 02:08:10.600 --> 02:08:13.640 wait a minute, How lazy is that? Why the hell 2382 02:08:13.720 --> 02:08:14.239 they do that? 2383 02:08:16.479 --> 02:08:18.119 Maybe they thought I wasn't going in the attic. 2384 02:08:18.680 --> 02:08:20.560 What I want to know is this was there an 2385 02:08:20.600 --> 02:08:21.720 easy way around it? 2386 02:08:24.439 --> 02:08:26.359 Not that I know. I mean I did. I didn't 2387 02:08:26.399 --> 02:08:28.479 inspect the work as far as like how they could 2388 02:08:28.479 --> 02:08:32.520 have run it. I just saw the whole called the company. 2389 02:08:32.960 --> 02:08:34.840 They are saying they're going to come fix it. But 2390 02:08:35.119 --> 02:08:37.359 I'm my biggest concern is who do I need to 2391 02:08:37.399 --> 02:08:39.640 inspect this to want make sure it's safe and done properly, 2392 02:08:39.640 --> 02:08:42.479 because obviously this brings up some big red flags. 2393 02:08:42.760 --> 02:08:45.720 Well and then okay, you know, hold on his cake. 2394 02:08:45.760 --> 02:08:50.319 They installed some lights so it didn't require a permit, right, 2395 02:08:51.600 --> 02:08:55.279 So you would have to get another electrician independent of 2396 02:08:55.319 --> 02:08:57.279 these people to see if it was run right. But 2397 02:08:57.359 --> 02:08:59.840 you also have to find one that's not going to 2398 02:08:59.840 --> 02:09:01.840 try try to charge you to run up a bill. 2399 02:09:02.159 --> 02:09:03.920 You know what I mean. It's it's like weird. So 2400 02:09:04.039 --> 02:09:05.640 let's think about this where are you. 2401 02:09:06.800 --> 02:09:07.439 In the springs? 2402 02:09:08.960 --> 02:09:14.079 Okay, so let's figure out who we can send there 2403 02:09:14.159 --> 02:09:18.079 that's honest and open and just what you're really looking 2404 02:09:18.119 --> 02:09:21.399 for is someone who's not going to rip you off. 2405 02:09:21.920 --> 02:09:24.359 And I'm not saying, I'm not saying. 2406 02:09:24.439 --> 02:09:26.479 And then I need an HVAC person to tell me, Hey, 2407 02:09:26.520 --> 02:09:27.439 this vent is safe. 2408 02:09:28.399 --> 02:09:32.279 Well, okay, the vent is not going to be unsafe, 2409 02:09:32.279 --> 02:09:34.239 but it's going to off gas out the hole. 2410 02:09:34.600 --> 02:09:35.560 How big is the hole? 2411 02:09:37.199 --> 02:09:38.079 Uh? 2412 02:09:38.399 --> 02:09:39.920 Probably three inch by three inch? 2413 02:09:40.760 --> 02:09:44.560 Why did they make it so big? And wait? Wait, 2414 02:09:44.600 --> 02:09:47.159 wait they sealed it? No? 2415 02:09:47.159 --> 02:09:49.840 No, no, they peeled it back. Oh so they basically 2416 02:09:49.920 --> 02:09:51.800 punched a hole and peeled it open. So it's about 2417 02:09:51.800 --> 02:09:53.039 three by three. 2418 02:09:53.119 --> 02:09:55.199 And what about on the other side. What on the 2419 02:09:55.199 --> 02:09:56.279 other side? How big is it? 2420 02:09:57.479 --> 02:09:57.720 Well? 2421 02:09:58.439 --> 02:10:00.399 I can't see the other side. It's inside the dark. 2422 02:10:00.279 --> 02:10:06.479 Event, inside the dark vent. I need to see the page. Kitchina. 2423 02:10:06.560 --> 02:10:07.920 Did he send pictures of this? 2424 02:10:08.960 --> 02:10:10.159 No, but I can text him to you. 2425 02:10:10.199 --> 02:10:13.319 Now, hold on, Kitschina, get this photo so I can 2426 02:10:13.319 --> 02:10:15.479 see it during the break. I'm Tom Martino. I want 2427 02:10:15.479 --> 02:10:17.000 to come back and look at it right after this. 2428 02:10:17.760 --> 02:10:21.000 Go with a sure thing Denver's best roofer Excel roofing 2429 02:10:21.119 --> 02:10:23.760 dot com. You don't pay a cent until you're content. 2430 02:10:27.159 --> 02:10:30.319 Time for an insurance checkup free, no obligation. In comparison, 2431 02:10:30.439 --> 02:10:34.039 call Compass Insurance paying too much your coverage at dozens 2432 02:10:34.039 --> 02:10:36.760 of insurance companies find out now three O three seven 2433 02:10:36.800 --> 02:10:37.359 to seven to one. 2434 02:10:37.439 --> 02:10:37.720 Help. 2435 02:10:37.880 --> 02:10:40.520 You'll think you're his only customer when you choose Frank 2436 02:10:40.600 --> 02:10:43.039 durand the real estate Man dot com to list your 2437 02:10:43.079 --> 02:10:46.239 home with Remax Alliance three oh three nine two zero 2438 02:10:46.319 --> 02:10:59.960 sixteen twenty two. Hi Tom Martino, listen, I got the pictures, Jeremiah. 2439 02:11:00.039 --> 02:11:00.239 Yeah. 2440 02:11:00.640 --> 02:11:05.680 So Jeremiah says that they ran an electrical line for something, oh, 2441 02:11:05.720 --> 02:11:09.760 a light, and they took the romex which is insulated wire, 2442 02:11:10.159 --> 02:11:12.800 which is fine. But he said they ran it through 2443 02:11:12.840 --> 02:11:17.239 a flu vent. But it doesn't look to me. I 2444 02:11:17.319 --> 02:11:20.680 might be wrong that it's going through the vent itself. 2445 02:11:21.359 --> 02:11:22.920 It looks like it's going. 2446 02:11:22.680 --> 02:11:28.119 Through the collar that stabilizes the vent, through the floor 2447 02:11:28.279 --> 02:11:31.439 or through the ceiling, so that vent is coming up 2448 02:11:31.840 --> 02:11:35.039 from another floor, right from the from the lower floor. 2449 02:11:36.640 --> 02:11:37.960 Correct, Yeah, now. 2450 02:11:38.720 --> 02:11:41.439 I get it. Now I need to ask you a question. 2451 02:11:42.159 --> 02:11:46.079 You peeled away that insulation and where that wire goes through? 2452 02:11:46.640 --> 02:11:48.800 What it looks like it's metal. 2453 02:11:48.920 --> 02:11:51.079 They peeled back the metal and put the wire through 2454 02:11:51.119 --> 02:11:54.239 there is does air come out of there when the 2455 02:11:54.239 --> 02:11:54.920 furnace is on. 2456 02:11:56.399 --> 02:11:57.560 I haven't had the furnace on. 2457 02:11:58.079 --> 02:12:00.960 Well, you need to check it out because I don't think. 2458 02:12:01.239 --> 02:12:04.920 Here's what I think, if people can picture this, I 2459 02:12:05.039 --> 02:12:09.439 believe the flu is continuous to the furnace. I don't 2460 02:12:09.479 --> 02:12:13.439 think they cut into the actual flu. I think what 2461 02:12:13.520 --> 02:12:17.039 they did was the flu where it goes through the floor, 2462 02:12:17.600 --> 02:12:21.880 has a metal collar on it, and that metal collar 2463 02:12:22.439 --> 02:12:27.039 insulates it from the floor from the wood, okay, And 2464 02:12:27.119 --> 02:12:30.960 so sometimes people use metal straps to do that. 2465 02:12:31.520 --> 02:12:32.720 Sometimes they use. 2466 02:12:32.640 --> 02:12:36.119 These collars which are basically made of the same material 2467 02:12:36.159 --> 02:12:38.600 as the flu. So for lack of a vetter, it's 2468 02:12:38.600 --> 02:12:41.560 sheet seal or sheet metal. So they use sheet metal 2469 02:12:41.840 --> 02:12:44.159 with a hole in the middle, and the flu goes 2470 02:12:44.199 --> 02:12:47.399 through the hole, so the sheet metal is like a collar. 2471 02:12:47.840 --> 02:12:52.840 It looks like they drill the hole into that collar 2472 02:12:53.479 --> 02:12:55.600 and not into the flu itself. 2473 02:12:56.279 --> 02:12:58.640 Take a flashlight and look in there. 2474 02:12:58.760 --> 02:13:04.279 And see if it's actually infiltrating the flu itself. 2475 02:13:04.640 --> 02:13:06.079 It doesn't look like it. 2476 02:13:06.159 --> 02:13:08.760 Move any of that installation. That's the inslation. That's just 2477 02:13:08.760 --> 02:13:09.640 how they left it. 2478 02:13:09.640 --> 02:13:14.199 It was all okay, all right, well, actually it's better 2479 02:13:14.239 --> 02:13:16.479 that you can see it right that they didn't cover up. 2480 02:13:16.560 --> 02:13:16.640 Right. 2481 02:13:16.880 --> 02:13:22.119 Now, let's just say it is infiltrating the flu itself. 2482 02:13:23.159 --> 02:13:24.920 If it is, you're going to have to seal it 2483 02:13:24.960 --> 02:13:27.239 because you don't want those gases in your attic. 2484 02:13:27.359 --> 02:13:31.640 Okay, right, but yeah, are sharp, so we need to 2485 02:13:31.640 --> 02:13:32.359 move it anyway. 2486 02:13:33.079 --> 02:13:36.039 And then where does the wire go when it passes 2487 02:13:36.119 --> 02:13:36.880 through the floor. 2488 02:13:36.920 --> 02:13:38.399 Does it go to the light fixture? 2489 02:13:39.199 --> 02:13:40.840 It goes to the light fixtures. And you can see 2490 02:13:40.840 --> 02:13:43.039 that it wasn't like a past genny the framing. They 2491 02:13:43.119 --> 02:13:44.359 just laid it on top. 2492 02:13:44.239 --> 02:13:46.840 Of No, I no, I understand that that's a little sloppy, 2493 02:13:46.920 --> 02:13:50.199 but I see where you're right. And the wire wasn't 2494 02:13:50.560 --> 02:13:53.640 like stapled or or you know, or nailed you know, 2495 02:13:53.680 --> 02:13:56.399 with a bracket to the to the stud It was 2496 02:13:56.479 --> 02:13:57.439 a little sloppy. 2497 02:13:57.800 --> 02:13:59.239 It's not the end of the world. 2498 02:13:59.560 --> 02:14:02.720 What I'd be mainly concerned about is do a visual 2499 02:14:02.760 --> 02:14:07.359 inspection through that hole to see if there is actually 2500 02:14:07.600 --> 02:14:09.960 What you might see through that hole is that the 2501 02:14:10.000 --> 02:14:12.760 flu continues down through the floor and it's not drilled 2502 02:14:12.800 --> 02:14:15.560 at all, could be and If that's the case, that's 2503 02:14:15.560 --> 02:14:20.439 what you want now to be doubly sure, turn on 2504 02:14:20.520 --> 02:14:23.720 the furnace and then just put take your hand over that, 2505 02:14:24.640 --> 02:14:26.279 wet your hand to put it over that and see 2506 02:14:26.319 --> 02:14:28.119 if you can feel the air coming out through it, 2507 02:14:28.319 --> 02:14:31.720 not regular air, but actually forced air from the flu 2508 02:14:32.000 --> 02:14:35.119 If it's if it's leaking, then you want it sealed. Uh, 2509 02:14:35.279 --> 02:14:38.840 it's it's no matter what it's kind of it's it's 2510 02:14:38.880 --> 02:14:43.600 a porch. It no, you're or worse a four year old. 2511 02:14:43.680 --> 02:14:46.279 I mean, it doesn't look great to me. I will 2512 02:14:46.319 --> 02:14:48.479 go along with you on that, and if you want, 2513 02:14:48.520 --> 02:14:50.119 you know, we can pressure them to fix it. But 2514 02:14:50.159 --> 02:14:52.319 I'm not sure there's a lot to fix here. So 2515 02:14:52.479 --> 02:14:54.560 if I were you, what I would do is look 2516 02:14:54.640 --> 02:14:57.239 up there and then call us back and or or 2517 02:14:58.159 --> 02:15:01.760 you can also text us and then we'll look at 2518 02:15:01.800 --> 02:15:03.239 it tomorrow when we get on the air. 2519 02:15:03.880 --> 02:15:07.000 But thanks for calling, and again just make sure you 2520 02:15:07.119 --> 02:15:07.760 check that out. 2521 02:15:07.960 --> 02:15:10.239 And again, your furnace wasn't on, so it's not like 2522 02:15:10.319 --> 02:15:12.600 we're we're in heating season, but you need to turn 2523 02:15:12.640 --> 02:15:13.520 it on to feel it. 2524 02:15:13.920 --> 02:15:15.880 I'm Tom Martino. We're out of time. 2525 02:15:15.920 --> 02:15:18.840 Don't forget call three Zho three Martino at any time 2526 02:15:18.920 --> 02:15:20.880 for help, information and referrals. 2527 02:15:21.399 --> 02:15:22.840 That's three oh three six two 2528 02:15:22.880 --> 02:15:25.960 Seven eight four sixty six, and save all your problems 2529 02:15:26.199 --> 02:15:26.439 for me