WEBVTT 1 00:00:00.960 --> 00:00:10.960 Yeah, ripped tough news needed by so you don't have 2 00:00:13.160 --> 00:00:15.599 come running Just as fast as we can. 3 00:00:16.480 --> 00:00:20.160 Shooter's gonna help come. Man. 4 00:00:20.359 --> 00:00:26.039 Six is the Troubleshooter Show. No Tom Martino, Hey. 5 00:00:26.199 --> 00:00:29.879 Tom Martino here, Welcome to the show. Three oh three 6 00:00:29.960 --> 00:00:33.159 seven one three talk is the number into the station, 7 00:00:33.320 --> 00:00:35.240 and then we have our own Troubleshooter number. 8 00:00:35.640 --> 00:00:37.960 You can call twenty four to seven. 9 00:00:37.920 --> 00:00:41.520 And when you call that number, it comes to us 10 00:00:41.880 --> 00:00:44.039 whether we're in the studio. Then you can go on 11 00:00:44.079 --> 00:00:47.840 the air or in our offices or homes, or it 12 00:00:47.880 --> 00:00:52.200 is forwarded to us and we promise to call you 13 00:00:52.320 --> 00:00:55.520 back and get you on the next show. So you 14 00:00:55.600 --> 00:01:00.759 can always be part of this show, get help, information 15 00:01:01.240 --> 00:01:04.879 and referrals. Speaking of which, I've been doing this for 16 00:01:04.879 --> 00:01:08.599 forty five years in Denver, more elsewhere, the longest running 17 00:01:08.680 --> 00:01:12.319 radio show with the same host, recovering hundreds of millions 18 00:01:12.319 --> 00:01:19.719 of dollars and cash, merchandise, exchanges, refunds, and services. Now 19 00:01:20.519 --> 00:01:24.200 today we talk about your problems, questions and complaints. But 20 00:01:24.439 --> 00:01:27.680 each day we have a mini theme. One of the themes 21 00:01:27.640 --> 00:01:30.640 today is solar. We have Brooke with us. Brooke quite 22 00:01:30.680 --> 00:01:35.879 from her Jeez, I'm having a brain fart. 23 00:01:35.879 --> 00:01:37.680 Don't tell me. If you tell me, I'd be upset. 24 00:01:37.920 --> 00:01:41.159 But anyway, she's with Red Rocks RS or Red Rocks 25 00:01:41.239 --> 00:01:45.519 roof and solar. And here's the thing, here's the thing 26 00:01:45.519 --> 00:01:50.920 about solar. People don't really understand it still, and I 27 00:01:51.040 --> 00:01:54.200 fault a lot of solar contractors. A lot of them 28 00:01:54.239 --> 00:01:55.840 go to your door and they knock on the door 29 00:01:56.760 --> 00:01:59.000 and they sell you a system, You sign a contract 30 00:01:59.040 --> 00:02:01.760 in you never see those people again. They really are 31 00:02:01.840 --> 00:02:05.359 just salespeople, just like during a hailstorm, and roofers that 32 00:02:05.439 --> 00:02:08.360 come to the door aren't really roofers. They just sell 33 00:02:08.400 --> 00:02:11.080 your contract. Or when you're looking to move and you 34 00:02:11.120 --> 00:02:14.120 go online and you look for a moving broker, and 35 00:02:14.400 --> 00:02:16.919 that's what you get, a broker who sells your contract 36 00:02:18.000 --> 00:02:26.639 sucks And really and truly it's not a good industry. 37 00:02:27.039 --> 00:02:32.719 It's not regulated, not really is it Brooke is it regulated? 38 00:02:32.800 --> 00:02:35.680 It's not right solar, I mean, anyone could call themselves 39 00:02:35.719 --> 00:02:36.719 a solar contractor. 40 00:02:36.800 --> 00:02:40.639 Right in Colorado, solars very regulated, but like very in 41 00:02:40.680 --> 00:02:44.280 what way depending on the jurisdiction. You have to have 42 00:02:44.840 --> 00:02:50.840 a variety of qualifications, including NAB sub certification, your WACESE. 43 00:02:50.520 --> 00:02:53.800 Contractor to install it or to service it. 44 00:02:54.080 --> 00:02:56.919 So to sell it on the contract, it has to 45 00:02:57.000 --> 00:03:00.159 have the master electricians license and the electrical contract your 46 00:03:00.199 --> 00:03:02.240 license for who will be installing it. So they can't 47 00:03:02.280 --> 00:03:04.120 just sell you a contract and then sell it to 48 00:03:04.159 --> 00:03:05.719 somebody on the open market. 49 00:03:05.800 --> 00:03:08.439 Well, no, but they can sell it to something, but 50 00:03:08.520 --> 00:03:12.240 they can be still a third party with a pre arrangement. 51 00:03:12.560 --> 00:03:14.599 As long as the EC and theme. 52 00:03:15.439 --> 00:03:16.680 Are noted on the contract. 53 00:03:16.960 --> 00:03:19.280 Yep, that's all that's required. Okay, But yeah, to sell it. 54 00:03:19.280 --> 00:03:19.680 You're right. 55 00:03:19.719 --> 00:03:23.919 A lot of these installers, a lot of these companies, frankly, 56 00:03:23.960 --> 00:03:26.599 a lot of bad ones, have independent contractors going to 57 00:03:26.680 --> 00:03:28.680 the door selling for them. 58 00:03:29.280 --> 00:03:30.120 Yes they can. 59 00:03:30.719 --> 00:03:33.560 But outside of the state of Colorado, even installing it, 60 00:03:33.599 --> 00:03:35.680 you don't have to have nearly all the qualifications you're 61 00:03:35.680 --> 00:03:36.080 talking about. 62 00:03:36.199 --> 00:03:39.280 I'm glad there's some qualifications in Colorado, mostly for the 63 00:03:39.319 --> 00:03:42.000 technical part. And then why do we have so many 64 00:03:42.000 --> 00:03:44.400 screwed up systems? Then? Because we do. Every time you're 65 00:03:44.400 --> 00:03:46.120 on people call with screwed up systems. 66 00:03:46.159 --> 00:03:50.280 Why so if you're installing where there's hardly any regulation, 67 00:03:50.680 --> 00:03:53.439 like say Texas, and then you come here to install 68 00:03:53.479 --> 00:03:55.879 in Colorado, where we have got windload and snell load. 69 00:03:56.240 --> 00:03:58.199 You're not going to know what needs to happen to 70 00:03:58.240 --> 00:03:58.879 make it happen. 71 00:03:59.039 --> 00:04:01.240 And then they just don't take the time to sit down, 72 00:04:01.520 --> 00:04:02.719 and so. 73 00:04:02.719 --> 00:04:05.000 There are no inspections like there are with building a 74 00:04:05.039 --> 00:04:07.000 garage or a putting in a patio. 75 00:04:07.919 --> 00:04:08.919 In Colorado, there are. 76 00:04:08.960 --> 00:04:11.719 That's why there's so many systems installed but don't pass inspection. 77 00:04:12.000 --> 00:04:14.879 And the financing companies don't care if it passes inspection. 78 00:04:14.960 --> 00:04:16.519 They just care if the job got installed. 79 00:04:17.839 --> 00:04:21.600 All right, coming up, I'm going to talk about how everyone, 80 00:04:22.199 --> 00:04:27.360 almost everyone right now, because of solar, can get a 81 00:04:27.439 --> 00:04:32.560 ten percent reduction on their electric pills. You may have 82 00:04:32.600 --> 00:04:35.240 gotten a mailer. I thought it was kind of scammy, 83 00:04:35.680 --> 00:04:38.319 but I looked at it. I asked Brook about it, 84 00:04:38.399 --> 00:04:40.759 and we'll talk about it. This is really important. 85 00:04:41.319 --> 00:04:46.600 Everyone can save ten percent right now, right now. 86 00:04:47.560 --> 00:04:52.040 I'll even tell you how to do it. Steve's turn. Steve, 87 00:04:52.120 --> 00:04:55.000 you're on the Tom Martino Show. What's going on with you, sir? 88 00:04:55.120 --> 00:04:55.240 Hi? 89 00:04:56.040 --> 00:04:58.319 Tom? I'm pretty good to help you, well too, I am. 90 00:04:58.600 --> 00:05:01.600 What's happened a in the Interstate. I was leaving Lineman 91 00:05:01.879 --> 00:05:04.199 and my car broke down. They told me the Lineman, 92 00:05:04.319 --> 00:05:06.560 and they put in an alternator. 93 00:05:07.720 --> 00:05:10.439 And I got all the way to now now who 94 00:05:10.519 --> 00:05:11.800 put the alternator in? 95 00:05:13.360 --> 00:05:16.839 Uh charges garage or something in charging something? 96 00:05:18.000 --> 00:05:19.319 Okay? 97 00:05:19.920 --> 00:05:21.639 And I got one hundred and eighteen miles out to 98 00:05:22.360 --> 00:05:25.000 Idaho Springs and the alternator went bad again. 99 00:05:25.360 --> 00:05:28.079 Okay, so hold on, hold on. So the garage that 100 00:05:28.160 --> 00:05:31.399 put it in, they they usually they they warranty their 101 00:05:31.439 --> 00:05:34.680 repairs or the parts warranted. But there's a problem if 102 00:05:34.720 --> 00:05:37.600 your alternator keeps going out, and I question whether or 103 00:05:37.639 --> 00:05:41.319 not the alternator's out or was it a circuit that's 104 00:05:41.360 --> 00:05:45.279 out or a diode that's out, and uh so anyway, 105 00:05:46.199 --> 00:05:47.279 so keep going. 106 00:05:48.160 --> 00:05:51.879 So anyway, nobody around Idaho Springs can get me repaired. 107 00:05:53.920 --> 00:05:56.879 I had told the silver to arm to good Way Auto. 108 00:05:57.279 --> 00:06:00.839 They did diagnostics and they said, yeah, well the alternator 109 00:06:01.240 --> 00:06:02.800 and they put a new one in. And it's been 110 00:06:02.839 --> 00:06:05.959 about two weeks now. I got money back from George 111 00:06:06.040 --> 00:06:06.959 and Sons for. 112 00:06:07.000 --> 00:06:10.240 The When you say you said George and Sons like 113 00:06:10.360 --> 00:06:14.240 George Washington, that's correct, Okay, go ahead. 114 00:06:13.920 --> 00:06:18.360 And so anyway, George and Sons gave me money back 115 00:06:18.399 --> 00:06:21.639 to the alternator because it was the part was warranted. 116 00:06:22.079 --> 00:06:24.000 But I had to pay labor twice. 117 00:06:23.720 --> 00:06:29.319 And I you know, well, normally, normally, let me explain 118 00:06:29.360 --> 00:06:33.759 this to you. Normally warranties only cover parts, well some 119 00:06:33.839 --> 00:06:37.240 cover parts in labor, but it's really the conditions on 120 00:06:37.279 --> 00:06:41.360 which it was warrantyed. So, how much was the labor? 121 00:06:42.319 --> 00:06:44.839 Because the labor that you had to pay for you 122 00:06:44.839 --> 00:06:47.839 shouldn't have had to pay for. Was that the second place? 123 00:06:48.199 --> 00:06:53.680 How much was that labor at the second place? Yeah? 124 00:06:53.720 --> 00:06:56.199 About a grand the labor? 125 00:06:59.240 --> 00:07:02.879 Yeah? For an alternator? 126 00:07:04.000 --> 00:07:07.160 Wow, Well it's about it was about. It's a Toyota Tundra. 127 00:07:07.439 --> 00:07:10.000 They say it's worth six hours of work by book 128 00:07:10.279 --> 00:07:12.240 to take at least four hours to do it. 129 00:07:12.279 --> 00:07:16.480 I guess I want to find out from our auto expert, 130 00:07:16.560 --> 00:07:17.879 just for the heck of it. That's the first thing 131 00:07:17.920 --> 00:07:21.160 I want to do. So what did George and sons 132 00:07:21.279 --> 00:07:25.040 say about paying for the labor? 133 00:07:26.160 --> 00:07:27.360 They didn't say anything about that. 134 00:07:28.399 --> 00:07:29.800 Well, did you ask about it? 135 00:07:30.519 --> 00:07:30.800 I did? 136 00:07:30.920 --> 00:07:31.279 I didn't. 137 00:07:32.079 --> 00:07:35.199 Okay, Well why don't you ask him? I mean, I 138 00:07:35.240 --> 00:07:41.439 suspect the warranties terms and conditions are what most of 139 00:07:41.480 --> 00:07:47.639 them are. Parts are covered, not labor, right, However, I mean, 140 00:07:48.879 --> 00:07:51.480 you know, I don't know I mean, you know, it 141 00:07:51.639 --> 00:07:56.240 was like in the pure sense of the transaction. In 142 00:07:56.319 --> 00:07:58.839 the pure sense of it, there was no way for 143 00:07:58.920 --> 00:08:02.800 George and Sons to know it was a defective part. 144 00:08:03.360 --> 00:08:07.399 They did the job. Now on your part, you shouldn't 145 00:08:07.439 --> 00:08:10.560 be held responsible either, So then you would say, well, 146 00:08:10.600 --> 00:08:13.360 I'm going to go after the manufacturer then because I. 147 00:08:13.319 --> 00:08:14.600 Got a bad alternator. 148 00:08:15.000 --> 00:08:18.879 However, I am positive the alternator people have a pre 149 00:08:18.959 --> 00:08:23.639 existing warranty that only covers the part, and it's really 150 00:08:23.759 --> 00:08:27.560 up to us. This is an age old problem. Should 151 00:08:28.160 --> 00:08:32.279 labor be covered? It happens all the time where people 152 00:08:32.320 --> 00:08:35.519 get pissed off. Man, you should see like roofing guarantees. 153 00:08:36.080 --> 00:08:39.759 I imagine the roof being covered but not the labor, 154 00:08:39.919 --> 00:08:42.759 and the manufacturer says, we're happy to pay for the roof, 155 00:08:43.000 --> 00:08:47.440 but not the labor. This is something that I don't 156 00:08:47.480 --> 00:08:51.639 think you're gonna win, but unless you were promised it 157 00:08:51.759 --> 00:08:54.919 and didn't get it. However, if you want to take 158 00:08:54.919 --> 00:08:58.960 a flyer, you can do small claims court against the 159 00:08:59.000 --> 00:09:03.399 manufacturer or against Georgian Sons. But I see Georgian Sons 160 00:09:03.480 --> 00:09:04.919 totally blameless in this. 161 00:09:07.240 --> 00:09:11.600 Well, right, yeah, so I'm out about eight hundred Bucks 162 00:09:11.639 --> 00:09:14.480 in Labor that I feel like I got cheated and 163 00:09:14.559 --> 00:09:15.840 life and life's not fair. 164 00:09:16.320 --> 00:09:19.000 But you know I agree with you, by the way, 165 00:09:19.240 --> 00:09:21.759 just so you know I'm not disagreeing. I'm telling you 166 00:09:21.799 --> 00:09:24.960 the state. I'm telling you the state of affairs and 167 00:09:25.000 --> 00:09:27.720 how it works. I mean, we can call Georgian and 168 00:09:27.799 --> 00:09:31.039 sons all day long. But if they didn't do anything 169 00:09:31.120 --> 00:09:35.440 technically wrong, they installed it. And now if their installation 170 00:09:35.799 --> 00:09:38.960 caused the failure, that's something else. What did the guy 171 00:09:39.120 --> 00:09:43.240 say or the mechanics say, who replaced it? 172 00:09:45.039 --> 00:09:47.159 Yes, it was a bad alternator. He didn't say anything 173 00:09:47.159 --> 00:09:49.039 about workmanship or anything of that nature. 174 00:09:50.039 --> 00:09:52.879 Yeah, you're up in the air. Where are you normally? 175 00:09:52.919 --> 00:09:56.080 You were in Linemen? Then Idaho Springs? Where do you? 176 00:09:56.200 --> 00:09:58.080 Where are you normally? Like? Like, if you want to 177 00:09:58.080 --> 00:10:00.240 go to small claimscore? How far away is long Women 178 00:10:00.480 --> 00:10:02.039 or or that county? So? 179 00:10:02.960 --> 00:10:06.799 I work at a hospital in Hugo, Colorado, which is 180 00:10:06.840 --> 00:10:09.360 just down the road from Lineman. That play state in Lineman, 181 00:10:09.840 --> 00:10:13.279 And I also work at a hospital and live in Rifle, Colorado. 182 00:10:13.799 --> 00:10:17.519 So and that Garfield County. 183 00:10:17.240 --> 00:10:20.360 And it's okay, so Lincoln County is I just looked 184 00:10:20.440 --> 00:10:24.799 up Liman Lineman is in Lincoln County. Correct, You would 185 00:10:24.879 --> 00:10:27.679 have to go to Lincoln County online and fill out 186 00:10:27.720 --> 00:10:29.679 small claims, have them serve, go out. 187 00:10:29.559 --> 00:10:32.799 There and appear, and you would lose. In my opinion. 188 00:10:33.360 --> 00:10:36.080 Where was the Where was the alternator sourced? 189 00:10:39.000 --> 00:10:42.399 The fun that went bad was sourced from NAPA in Lineman. 190 00:10:42.840 --> 00:10:47.679 Oh okay, then that's the next that's the next place 191 00:10:47.720 --> 00:10:49.879 to go. Or you may sue both of them in 192 00:10:49.879 --> 00:10:54.320 small claims courret. Look, I personally do not think you're 193 00:10:54.360 --> 00:10:57.559 gonna win. I know it's a pain. I swear to 194 00:10:57.559 --> 00:11:00.679 you You're not the only one that the part versus 195 00:11:00.840 --> 00:11:05.440 labor happens all the time, all the time. I want 196 00:11:05.440 --> 00:11:09.519 to ask Brook with Solar, thanks for calling Steave. I 197 00:11:09.639 --> 00:11:11.919 really I don't know what you can do except take 198 00:11:11.919 --> 00:11:14.720 that flyer Brook in Solar. Let's say panels go bad, 199 00:11:14.799 --> 00:11:18.799 something goes bad, alternate I'm not alternate converter whatever they 200 00:11:18.879 --> 00:11:23.600 call it, the inverter. If it goes bad. The manufacturers 201 00:11:23.600 --> 00:11:24.960 have warranties on all this stuff. 202 00:11:25.080 --> 00:11:28.720 What about the solar industry? Is labor covered? 203 00:11:29.679 --> 00:11:31.399 It is, but a very low amount. 204 00:11:31.840 --> 00:11:34.279 So for me to roll a truck out for in 205 00:11:34.440 --> 00:11:39.919 phase problem, they only pay like twenty five bucks. 206 00:11:40.279 --> 00:11:42.639 Do you do you pay? Do you charge the consumer? 207 00:11:43.440 --> 00:11:43.639 Yeah? 208 00:11:43.720 --> 00:11:45.320 We usually say, hey, this is what we can get 209 00:11:45.360 --> 00:11:47.720 from en phase. This is what our normally hourly is. 210 00:11:47.799 --> 00:11:49.159 Are you okay making up the difference? 211 00:11:49.320 --> 00:11:51.720 Okay, that's just the way it is. Yeah, but do 212 00:11:51.799 --> 00:11:54.000 they know that going in parts and labor and what's 213 00:11:54.120 --> 00:11:54.960 covered and what's not. 214 00:11:55.240 --> 00:11:57.279 So I should make that as a little asterix for 215 00:11:57.440 --> 00:11:59.879 my clients. If there's an issue with it that I 216 00:12:00.039 --> 00:12:02.279 did the original install, then we cover that as. 217 00:12:02.200 --> 00:12:03.919 Part of our own war. 218 00:12:04.120 --> 00:12:07.679 You're talking about normal service. If you're called to service 219 00:12:07.759 --> 00:12:10.639 the system you did not install, Yeah, yep. 220 00:12:10.720 --> 00:12:12.519 But if we install it, then we cover parts in 221 00:12:12.600 --> 00:12:14.519 labor form for thirty years. 222 00:12:14.759 --> 00:12:21.080 Wow, Okay, that's the story there. That's really good now. 223 00:12:21.840 --> 00:12:25.279 Three zero three seven one three talk is our number 224 00:12:25.360 --> 00:12:28.159 seven one three eight two five five. We got a 225 00:12:28.159 --> 00:12:31.080 lot to talk about today. Water pros is one of them. 226 00:12:31.440 --> 00:12:39.080 Now they're finding nanoplastics even in deodorant. Nanoplastics are everywhere, 227 00:12:39.159 --> 00:12:41.919 especially drinking water. The only way to get rid of 228 00:12:41.919 --> 00:12:46.240 it triple filter, reverse osmosis. You know, municipal plants can't 229 00:12:46.240 --> 00:12:49.240 get rid of bad water, can't can't they can't get 230 00:12:49.320 --> 00:12:52.559 rid of all the nanos or all the prescription drugs. 231 00:12:52.759 --> 00:12:54.759 If you don't believe it, just ask them. They can't 232 00:12:54.759 --> 00:12:55.360 get rid of it. 233 00:12:56.279 --> 00:12:59.120 If you have a triple filter reverse Osmosis fourteen hundred 234 00:12:59.120 --> 00:13:01.279 dollars fully installed, it'll do it now. You can get 235 00:13:01.279 --> 00:13:04.679 a whole house system right now with reverse Osmosis for 236 00:13:04.759 --> 00:13:08.600 drinking for just thirty one ninety five. It's an incredible 237 00:13:08.639 --> 00:13:12.039 special waterpros dot Net three oh three eight six two five, 238 00:13:12.159 --> 00:13:21.840 five five four Go with a sure thing Denver's best 239 00:13:21.919 --> 00:13:24.759 roofer Excel Roofing dot com. You don't pay a cent 240 00:13:25.000 --> 00:13:31.039 until you're content. Time for an insurance check up free 241 00:13:31.120 --> 00:13:35.159 no obligation comparison call Compass Insurance paying too much your 242 00:13:35.200 --> 00:13:38.200 coverage at dozens of insurance companies find out now three 243 00:13:38.200 --> 00:13:40.519 oh three seven to seven to one help. You'll think 244 00:13:40.519 --> 00:13:43.080 you're his only customer when you choose Frank Durand the 245 00:13:43.159 --> 00:13:45.799 real estate Man dot com to list your home with 246 00:13:45.919 --> 00:13:50.240 Remax Alliance three oh three nine two zero sixteen twenty two. 247 00:13:52.320 --> 00:13:55.360 Hi Tom Martino, You're troubleshooter three oh three seven one 248 00:13:55.440 --> 00:14:01.200 three talk seven one three eight two five five Denverregen 249 00:14:01.399 --> 00:14:05.120 dot com. I'm going back there tomorrow for a redo, 250 00:14:05.360 --> 00:14:08.639 not a redo, but they do two treatments for the 251 00:14:08.720 --> 00:14:12.799 price for hair regeneration. Now again I notice new growth, 252 00:14:12.840 --> 00:14:15.440 I really do, and I'll I'm going to tell you 253 00:14:15.440 --> 00:14:19.360 how it works. And they do hair stem cell therapy 254 00:14:19.399 --> 00:14:21.120 for they also do it for pain, of course, and 255 00:14:21.159 --> 00:14:25.080 that I know works for absolutely sure Denverregen dot com. 256 00:14:25.440 --> 00:14:27.879 I want to mention something, Kelly. We had a caller 257 00:14:27.919 --> 00:14:31.799 on yesterday with real estate. They were both on a 258 00:14:31.879 --> 00:14:37.440 deed and need to get one off or something or both. 259 00:14:37.519 --> 00:14:38.639 Does that do you recall that? 260 00:14:38.799 --> 00:14:41.399 And and they want to know how you go about it? 261 00:14:41.840 --> 00:14:42.320 Remember that? 262 00:14:42.840 --> 00:14:44.360 Did you take a note of that because I wanted 263 00:14:44.360 --> 00:14:46.799 to get Brad O'Brien on today with them. 264 00:14:47.320 --> 00:14:50.440 Yes, and I've left them a message. Okay, good it 265 00:14:50.559 --> 00:14:51.679 was Rosa. 266 00:14:52.399 --> 00:14:57.559 Oh thank you? Okay, So Rosa I was on. I think, well, 267 00:14:57.600 --> 00:15:01.360 whatever it was, there were two people on deed and 268 00:15:01.600 --> 00:15:04.679 one of them they wanted to separate, and I said, 269 00:15:04.720 --> 00:15:09.240 you can only do that with cooperation of both. You 270 00:15:09.279 --> 00:15:13.480 can't force someone off a deed. But I'm sorry Rachel, 271 00:15:13.879 --> 00:15:16.639 Rachel and Richard. If we can get Rachel and Richard 272 00:15:16.679 --> 00:15:20.480 back on and figure out what their question was, but 273 00:15:20.519 --> 00:15:23.200 it had something to do with forcing someone off a deed, 274 00:15:23.559 --> 00:15:28.000 and I didn't think you could force someone off a deed. 275 00:15:29.240 --> 00:15:31.519 And then I have another question for him that came 276 00:15:31.559 --> 00:15:37.879 in elsewhere about a co signer on a loan. So 277 00:15:37.919 --> 00:15:39.919 when we get him on, I can probably ask him 278 00:15:39.919 --> 00:15:44.200 about both of those, or I can ask maybe even 279 00:15:44.360 --> 00:15:47.440 Brent Ivenson at Ideal Home Loans about the loan one, 280 00:15:47.519 --> 00:15:50.840 because we have two different questions. One is more loan oriented, 281 00:15:51.120 --> 00:15:54.320 one is more deed oriented, so either one. When Brad 282 00:15:54.320 --> 00:15:57.080 comes on, I can ask him three to zero, three 283 00:15:57.120 --> 00:15:59.720 seven one three talk three oh three seven one three 284 00:15:59.679 --> 00:16:02.919 eight two five to five, any calls, problems, questions, or complaints. 285 00:16:03.519 --> 00:16:09.879 Speaking of real estate, I did post a new social 286 00:16:10.240 --> 00:16:15.600 post on LinkedIn. I always go to LinkedIn, YouTube, Instagram, 287 00:16:15.679 --> 00:16:19.120 and TikTok. Now TikTok's a flyer. I mean, that's not 288 00:16:19.240 --> 00:16:22.440 my audience, but I just posted there anyway, and it's 289 00:16:22.519 --> 00:16:26.240 about the new, not the new, but the recent years. 290 00:16:26.279 --> 00:16:32.039 We hear about title lock, LifeLock, home lock, blah blah lock, and. 291 00:16:32.000 --> 00:16:33.639 What they say is. 292 00:16:35.159 --> 00:16:40.440 This is a valuable service because locks happen. Excuse me, 293 00:16:41.039 --> 00:16:44.600 title theft theft of title, theft of homes happen all 294 00:16:44.639 --> 00:16:48.840 the time. It doesn't you don't need the service. If 295 00:16:48.879 --> 00:16:52.000 you look at the social post, it'll outline why you 296 00:16:52.000 --> 00:16:54.720 don't need the service. But I can also tell you 297 00:16:54.759 --> 00:17:01.200 as well, you don't need the service. Now, have people 298 00:17:01.360 --> 00:17:09.519 seen the video circulating in social media with Venezuelan street gangs? Now, 299 00:17:10.200 --> 00:17:13.839 I hesitate personally to say Venezuelan's street gangs, except that's 300 00:17:13.839 --> 00:17:17.640 what they are. And I personally have helped Venezuelan families 301 00:17:17.680 --> 00:17:21.480 that are wonderful people, hardworking people, they're working their asses off, 302 00:17:21.480 --> 00:17:25.519 they're great people. Okay, I've helped them. Now, having said that, 303 00:17:27.599 --> 00:17:30.079 there are some, of course that aren't wonderful, right, just 304 00:17:30.119 --> 00:17:32.880 like with everyone. So that's why I hate saying it, 305 00:17:32.920 --> 00:17:36.160 because I hate saying, you know, they're emptying, they're insane, asylums, 306 00:17:36.200 --> 00:17:38.920 their prisons, and they're you know whatever, and that's all 307 00:17:38.960 --> 00:17:41.839 that's coming in. I just hate looking askance at all 308 00:17:41.880 --> 00:17:46.240 of them. However, let's just get to it. This video. 309 00:17:47.680 --> 00:17:50.319 Have you seen anyone dragged? Did you see it? It's 310 00:17:50.480 --> 00:17:53.640 a video of the street gang going through the hallways 311 00:17:53.640 --> 00:17:57.599 and knocking on doors collecting rent. I think kicking people 312 00:17:57.640 --> 00:18:01.319 out too, Yeah, and evicting people with guns, with guns, 313 00:18:02.240 --> 00:18:02.920 with guns. 314 00:18:03.160 --> 00:18:07.200 Now here's what's funny. In Colorado. 315 00:18:07.279 --> 00:18:09.039 They don't want you to have a gun, but these 316 00:18:09.079 --> 00:18:12.680 guys have guns freely, freely, So I guess guns are 317 00:18:12.680 --> 00:18:19.839 all right for illegal immigrants. And no one. No one 318 00:18:20.039 --> 00:18:25.039 is helping this property owner, no one. The story is circulating, 319 00:18:25.359 --> 00:18:29.440 it's been verified. Police have not been in there, no one. 320 00:18:29.839 --> 00:18:33.480 Border's not the Border patrol or whatever. Ice is not 321 00:18:33.599 --> 00:18:36.079 in there. No one is in there. These people have 322 00:18:36.200 --> 00:18:37.680 taken over an apartment house. 323 00:18:37.839 --> 00:18:43.920 Hey, Tom, Yes, we had Danielle Drurynsky on dan Kaplis yesterday. 324 00:18:44.200 --> 00:18:46.640 And Danielle is the owner or what is Danielle. 325 00:18:46.440 --> 00:18:50.039 Daniel Drinsky is on the Aura City councilor. 326 00:18:49.720 --> 00:18:51.440 Okay, I didn't know that. So what did she say? 327 00:18:52.200 --> 00:18:54.720 She's the one that actually circulated the video. 328 00:18:55.559 --> 00:18:57.400 Oh, that's right, I think I heard it now. 329 00:18:57.640 --> 00:19:02.799 She was very upset, corrupt, and we had her on yesterday. 330 00:19:02.960 --> 00:19:07.000 And this is a true story. It's very sad. But 331 00:19:07.160 --> 00:19:12.240 the landlords of the apartment have been so scared for 332 00:19:12.319 --> 00:19:13.680 their own lives. 333 00:19:13.880 --> 00:19:18.160 That they've just kind of taken off. 334 00:19:19.440 --> 00:19:21.240 They don't even go there anymore. 335 00:19:23.119 --> 00:19:26.880 My god. Yeah, So basically all you have to do 336 00:19:27.000 --> 00:19:30.279 is arm yourself and take over a property. 337 00:19:30.480 --> 00:19:33.319 Now that's a step up from squatters. 338 00:19:33.440 --> 00:19:37.279 Very interesting, it's a very interesting situation. Hold on, doctor, 339 00:19:37.559 --> 00:19:42.200 it's a very interesting situation. But we are trying to 340 00:19:42.240 --> 00:19:48.240 get Mayor Mike Kaufman on to address the situation because 341 00:19:48.240 --> 00:19:51.680 he's very well aware of it and he's on top 342 00:19:51.759 --> 00:19:54.039 of it. So we'll see where that goes from there. 343 00:19:54.880 --> 00:19:59.319 And Aurora never declared themselves a sanctuary city, did they never? 344 00:20:01.039 --> 00:20:06.160 So it's going to happen. Criminal has stop. Criminals have 345 00:20:06.200 --> 00:20:10.720 never had difficulty getting guns. It's only responsible people who 346 00:20:10.759 --> 00:20:13.039 go through the whole waiting period. 347 00:20:13.039 --> 00:20:16.359 Background checkers. We all know that, right, So you know, 348 00:20:16.440 --> 00:20:16.960 to say. 349 00:20:16.799 --> 00:20:20.519 They have guns is sort of just you know, I 350 00:20:20.559 --> 00:20:25.279 don't understand I swear to god, I don't understand the 351 00:20:25.440 --> 00:20:30.079 soft on crime, let anything go attitude that we've had 352 00:20:30.400 --> 00:20:31.640 since Biden's been in office. 353 00:20:31.720 --> 00:20:33.599 Let's just call it like it is, Okay, I don't 354 00:20:33.640 --> 00:20:35.240 care what you say that. No, this is not a 355 00:20:35.240 --> 00:20:37.720 political show. I'm not telling you to vote for Trump. 356 00:20:37.720 --> 00:20:40.319 I'm not telling you. All I'm saying is this this 357 00:20:40.400 --> 00:20:43.599 open border thing, and this crime is okay, thing, because 358 00:20:43.960 --> 00:20:48.279 to enforce crime as racist is just absolute bull crap. 359 00:20:48.880 --> 00:20:54.400 It's absolute. Crime is crime is crime, is crime. That's 360 00:20:54.440 --> 00:20:57.839 what it is. It's crime, and it's not right, just 361 00:20:57.880 --> 00:21:01.359 like shoplifting is not right, like none of that. And 362 00:21:02.000 --> 00:21:06.279 God almighty, why did we get the impression that enforced 363 00:21:06.559 --> 00:21:10.839 I mean that in itself is racist. To say enforcing 364 00:21:12.000 --> 00:21:16.680 the law is racist is racist because what we're saying 365 00:21:16.759 --> 00:21:20.039 is only minority people. Are people of color break the law? 366 00:21:23.119 --> 00:21:23.359 You know? 367 00:21:23.599 --> 00:21:30.079 This is amazing, This is amazing. So no, you know 368 00:21:30.160 --> 00:21:37.680 they're taking over private property with guns. So anyway, what's 369 00:21:37.759 --> 00:21:40.519 going on? Whose fault is this? Tell me whose fault 370 00:21:40.559 --> 00:21:45.400 is this? I can't wait for law and order. That's all. 371 00:21:45.559 --> 00:21:49.960 Not meanness, not disgusting meanness, not racism, just good old 372 00:21:49.960 --> 00:21:53.400 fashioned law and order because you can't take over somebody's property. 373 00:21:53.599 --> 00:21:57.440 Can you imagine owning a property and having a street 374 00:21:57.480 --> 00:22:02.400 game take it over? Now. I used to own some 375 00:22:02.440 --> 00:22:07.960 property downtown that was vacated. We were going to knock down. 376 00:22:08.119 --> 00:22:11.240 Well we did. We were knocking down the buildings and 377 00:22:11.400 --> 00:22:14.319 getting it ready to sell as a project. 378 00:22:14.880 --> 00:22:16.640 Right, this is a long story. 379 00:22:16.680 --> 00:22:21.200 Anyway, I had it fenced off and blocked off as 380 00:22:21.279 --> 00:22:29.720 much as possible. And back then it was popular to 381 00:22:29.799 --> 00:22:32.640 block off your property and keep it from being inhabited 382 00:22:32.680 --> 00:22:34.559 because it was considered dangerous. 383 00:22:35.079 --> 00:22:36.720 The city was on my ass. 384 00:22:36.759 --> 00:22:40.400 They would say, you're not doing enough to keep your 385 00:22:40.519 --> 00:22:42.160 property blockaded. 386 00:22:43.359 --> 00:22:45.440 We'd have fences. 387 00:22:44.799 --> 00:22:48.319 And barbed wire and boarded up homes and people who 388 00:22:48.400 --> 00:22:51.759 needed a place to stay. I hesitate to call them homeless, 389 00:22:51.799 --> 00:22:54.119 because I guess that's not right anymore, but they were homeless, 390 00:22:54.640 --> 00:22:58.000 or they were vagrants, mostly drug addicts and drunks, would 391 00:22:58.079 --> 00:23:02.839 break in and stay there. So, of course Westward, who 392 00:23:02.920 --> 00:23:05.200 hates my guts for many for fort they've been trying 393 00:23:05.200 --> 00:23:08.079 to get rid of me for forty five years. Westward 394 00:23:08.079 --> 00:23:11.680 did an article about me being a slum lord, and 395 00:23:12.079 --> 00:23:15.000 they had the nerve to do an article about me 396 00:23:15.640 --> 00:23:19.200 not keeping people out of there and at the same 397 00:23:19.279 --> 00:23:24.000 time having such deplorable conditions for these people, honest to god, 398 00:23:24.039 --> 00:23:28.000 look it up. Look it up. And then city council, 399 00:23:28.599 --> 00:23:31.359 this one city council woman was on my ass because 400 00:23:31.400 --> 00:23:33.519 I wasn't doing enough. I said, well, what do you 401 00:23:33.599 --> 00:23:35.799 have to do? At what point is it a law 402 00:23:35.839 --> 00:23:41.160 enforcement problem? So I'm wondering, is this apartment building being blamed. 403 00:23:42.000 --> 00:23:45.319 I wouldn't put it past law enforcement or government to 404 00:23:45.359 --> 00:23:49.720 do that. I was being blamed. I could not, I 405 00:23:49.799 --> 00:23:52.279 swear to God. You couldn't board up a property more. 406 00:23:52.640 --> 00:23:55.319 You could not fence off a property more than I did. 407 00:23:56.039 --> 00:23:59.519 Yet people were getting inside. This is different. These are 408 00:23:59.519 --> 00:24:04.480 people going into a residential apartment house and literally taking 409 00:24:04.640 --> 00:24:05.400 it over. 410 00:24:06.680 --> 00:24:08.079 I wonder if they're going to be blamed. 411 00:24:08.160 --> 00:24:10.759 You should have your own armed guards, don't depend on 412 00:24:10.839 --> 00:24:14.599 law enforcement. Glenn's got a comment. Go ahead, Glenn, then 413 00:24:14.599 --> 00:24:18.640 I'll take a quick break. Glenn. What's your comment? He had? 414 00:24:19.240 --> 00:24:21.559 In the last couple of weeks, they had these guys 415 00:24:22.200 --> 00:24:26.240 bum rush one of the gun stores, I think in Aurora, 416 00:24:26.480 --> 00:24:31.000 and you know they took off with like thirteen or fifteen. 417 00:24:31.880 --> 00:24:32.880 Guns that time. 418 00:24:32.920 --> 00:24:34.640 And I think they may have done that at another 419 00:24:34.680 --> 00:24:37.839 sporting good store somewhere else too. So yeah, they really 420 00:24:37.839 --> 00:24:42.039 don't have to care about waiting lists or waiting No they. 421 00:24:41.920 --> 00:24:43.519 Don't, No, they don't. 422 00:24:43.599 --> 00:24:44.200 That's right. 423 00:24:44.759 --> 00:24:47.039 I'm I got a bunch of textas. 424 00:24:46.759 --> 00:24:49.480 And be a law a lighting citizen, you've got to 425 00:24:49.519 --> 00:24:52.279 go through a waiting period and you got to get 426 00:24:52.319 --> 00:24:55.319 your name on a list and Yeah, it's great. You 427 00:24:55.440 --> 00:24:57.920 gotta love it, you know what I mean. 428 00:24:58.079 --> 00:25:02.000 I don't understand the open border thing. I honest to God, 429 00:25:02.119 --> 00:25:07.200 don't understand it. Now. I love immigrants who want to 430 00:25:07.200 --> 00:25:09.599 come here for a new life. It just has to 431 00:25:09.599 --> 00:25:11.799 be done in a systematic, orderly way. I mean, you 432 00:25:11.799 --> 00:25:14.839 can't just dump people and and this is what you 433 00:25:14.960 --> 00:25:18.759 get because you don't know what you're getting. I'm Tom Martinez. 434 00:25:18.759 --> 00:25:20.640 We have more coming up on The Troubleshooter Show. Three 435 00:25:20.640 --> 00:25:28.079 O three seven one three a two five five. Go 436 00:25:28.160 --> 00:25:31.880 with a sure thing Denver's Best roofer Excel Roofing dot com. 437 00:25:31.920 --> 00:25:37.640 You don't pay a cent until you're content. Time for 438 00:25:37.680 --> 00:25:40.880 an insurance check up free, no obligation. In comparison, call 439 00:25:40.960 --> 00:25:44.279 Compass Insurance paying too much your coverage at dozens of 440 00:25:44.319 --> 00:25:46.960 insurance companies find out now three oh three seven to 441 00:25:47.039 --> 00:25:49.839 seven to one help. You'll think you're his only customer 442 00:25:49.880 --> 00:25:52.119 when you choose Frank durand the real estate Man dot 443 00:25:52.160 --> 00:25:55.480 com to list your home with Remax Alliance three oh 444 00:25:55.519 --> 00:26:07.039 three nine two zero sixteen twenty two. Hi Tom Martinez here. 445 00:26:07.079 --> 00:26:10.319 Three oh three seven one three talk three all three 446 00:26:10.559 --> 00:26:13.200 seven one three eight two five five can't want to 447 00:26:13.240 --> 00:26:16.920 talk to Frank, who's calling in. I also have brooked 448 00:26:16.920 --> 00:26:19.480 with us from red rox RS. Now, remember, I'm going 449 00:26:19.559 --> 00:26:21.799 to talk about a couple of things today. I'm going 450 00:26:21.839 --> 00:26:25.599 to talk about how you can get a ten percent 451 00:26:26.279 --> 00:26:28.960 reduction in your electric bill, no matter who you are, 452 00:26:30.079 --> 00:26:33.680 without installing a solar system. I mean, solar is wonderful, 453 00:26:33.720 --> 00:26:36.920 you'll save way more than that, But without installing one, 454 00:26:37.000 --> 00:26:39.480 you can get a ten percent No gadgets, nothing to do, 455 00:26:39.559 --> 00:26:42.400 nothing to do except listen to me and sign up. 456 00:26:43.519 --> 00:26:47.400 That's right, ten percent off. Then we have another thing 457 00:26:47.440 --> 00:26:50.039 I want to talk about, the REAP grant, which is 458 00:26:50.279 --> 00:26:55.519 for commercial or residential excuse me, commercial or agricultural in 459 00:26:55.559 --> 00:27:00.799 the in the rural areas REAP grants. Okay, Frank, what's 460 00:27:00.799 --> 00:27:01.519 happening with you? 461 00:27:02.519 --> 00:27:02.640 Hi? 462 00:27:02.759 --> 00:27:03.000 Tom? 463 00:27:03.000 --> 00:27:06.319 How are you good? Now? Frank? Start your story over 464 00:27:06.359 --> 00:27:09.000 because I didn't. We didn't do it yesterday. Go ahead. 465 00:27:10.319 --> 00:27:14.119 Well, basically, I'm a contractor and I did some work 466 00:27:14.200 --> 00:27:19.200 for a for a veteran. Yeah, he had a home 467 00:27:19.279 --> 00:27:23.400 that the siding was really bad, so it was unensurable. 468 00:27:24.279 --> 00:27:26.400 He had to get it replaced. He couldn't paint there 469 00:27:26.480 --> 00:27:29.480 or whatever. He had to be replaced. We ended up 470 00:27:29.839 --> 00:27:32.759 replacing it. Well, let me back up. I did some 471 00:27:32.839 --> 00:27:35.160 work a year or maybe two years before that, and 472 00:27:35.200 --> 00:27:38.079 I had no problem with him. He did the roof 473 00:27:38.119 --> 00:27:39.920 and he paid, no problem. 474 00:27:40.319 --> 00:27:41.720 Okay, what did you do? You did? 475 00:27:41.759 --> 00:27:44.119 You did a siding job right for him? 476 00:27:44.519 --> 00:27:47.039 The most recently did the whole house, in the whole garage, 477 00:27:47.440 --> 00:27:50.559 the whole help be smart. 478 00:27:52.000 --> 00:27:52.359 Mm hmm. 479 00:27:52.640 --> 00:27:54.400 We tore we tore out the old one, put to 480 00:27:54.480 --> 00:27:55.440 do on on and. 481 00:27:55.480 --> 00:27:57.759 Okay, so what's the problem. 482 00:27:57.799 --> 00:28:01.160 So he has a mortgage on that and he's trying 483 00:28:01.160 --> 00:28:05.279 to refine him to pay me through the VA. But 484 00:28:05.359 --> 00:28:08.480 it's called New Day mortgage or something like that. 485 00:28:09.319 --> 00:28:12.240 That's probably just a broker. So the homeowner is trying 486 00:28:12.319 --> 00:28:16.359 to REFI yeah, now did you know this going in 487 00:28:17.880 --> 00:28:19.119 that he didn't have the money? 488 00:28:20.039 --> 00:28:23.839 Yes, because he a New Day called me and said, okay, 489 00:28:23.920 --> 00:28:27.680 send us your invoice the estimate, and I did. And 490 00:28:27.759 --> 00:28:30.119 then they came back and said, okay, yeah he qualifies 491 00:28:30.160 --> 00:28:32.319 for all this. I'll probably go ahead and do the work. 492 00:28:32.359 --> 00:28:35.680 And once you're done, we got money and scrow ready. 493 00:28:36.359 --> 00:28:37.480 And it's called New Day. 494 00:28:38.279 --> 00:28:38.440 Yeah. 495 00:28:38.519 --> 00:28:41.920 New Day was New Day, the one that held his 496 00:28:42.000 --> 00:28:43.880 first when you started the job. 497 00:28:44.839 --> 00:28:48.319 No, the first I don't know who holds the mortgage. 498 00:28:48.319 --> 00:28:48.680 I don't know. 499 00:28:49.400 --> 00:28:52.359 So he's trying to refine his home with a place 500 00:28:52.440 --> 00:28:58.680 called New Day, A new A new day. What's that? Yeah? 501 00:28:59.200 --> 00:29:03.759 And New Day now is giving? Okay? He was supposedly preapproved. 502 00:29:04.519 --> 00:29:08.079 Yeah, he was preapproved with his credits for and and 503 00:29:08.079 --> 00:29:08.839 and what happened? 504 00:29:09.279 --> 00:29:12.599 Why? So? So now what I imagine something went wrong with 505 00:29:12.640 --> 00:29:13.680 the loan. What's going on? 506 00:29:14.160 --> 00:29:16.039 Yeah? What happened with the loan is he has his 507 00:29:16.119 --> 00:29:19.240 son on there? He has his son as Oh. 508 00:29:19.079 --> 00:29:21.400 This is the one. Wait a minute, this is the 509 00:29:21.400 --> 00:29:24.000 one we were talking about that he's got to get 510 00:29:24.000 --> 00:29:26.200 his son off the deed right. 511 00:29:26.440 --> 00:29:28.680 Because he did. I guess they had a fallen out 512 00:29:28.680 --> 00:29:31.160 big time. So the son has no other one. 513 00:29:31.039 --> 00:29:34.000 And unless the sun signs, they can't get the loan 514 00:29:34.680 --> 00:29:39.160 right now? Will this man? Okay? Hold on now? So 515 00:29:39.319 --> 00:29:42.920 he got approved without his son's income and all. 516 00:29:42.799 --> 00:29:46.039 That, Yeah, because he well new they then probably didn't 517 00:29:46.039 --> 00:29:47.599 know that. I don't know how that works or I 518 00:29:47.599 --> 00:29:49.079 don't know if they did their homework or whatever. 519 00:29:49.200 --> 00:29:50.960 Is his son on the current loan? 520 00:29:52.720 --> 00:29:55.200 No, it's just it's just he put it on there. 521 00:29:55.440 --> 00:29:57.000 I guess because he's an older man. 522 00:29:57.039 --> 00:30:02.279 He put him on the deed, only not on the mortgage. Yeah, 523 00:30:03.039 --> 00:30:09.160 how long has the sun been on the loan? I 524 00:30:09.160 --> 00:30:09.680 mean the house? 525 00:30:09.720 --> 00:30:11.039 I don't know. 526 00:30:11.079 --> 00:30:12.400 I don't know. 527 00:30:15.119 --> 00:30:19.400 Anyway, I called a mortgage attorney or. 528 00:30:20.559 --> 00:30:22.680 We're going to get a real estate attorney. Katschina. You 529 00:30:22.799 --> 00:30:27.119 realize this is the one we wanted for Brad O'Brien. 530 00:30:27.240 --> 00:30:30.240 Right, I'm still trying to reach him. 531 00:30:30.680 --> 00:30:36.480 Okay, now here is the deal? Heap added him? How 532 00:30:36.519 --> 00:30:37.880 did he add him to the house. 533 00:30:39.119 --> 00:30:40.599 I don't know that either. 534 00:30:40.960 --> 00:30:44.680 Well, okay, we need Frank, we need information to help you. Okay, 535 00:30:44.839 --> 00:30:46.440 So can we talk to this veteran? 536 00:30:46.559 --> 00:30:49.960 This guy I guess yeah. 537 00:30:50.440 --> 00:30:52.799 I mean, does he know that you're calling me for help? 538 00:30:54.240 --> 00:30:57.960 Well, he's but it is almost a year coming up. 539 00:30:58.039 --> 00:31:00.680 But we finished the job and he got into a 540 00:31:00.680 --> 00:31:03.359 little bit of a depression and started quit paying some 541 00:31:03.440 --> 00:31:06.400 of his bills on the problem. Now he's not to 542 00:31:06.519 --> 00:31:08.920 even qualify because he didn't pay some of his credit 543 00:31:08.920 --> 00:31:10.359 cards bills. 544 00:31:11.440 --> 00:31:13.119 Frank, how much are you out on this job? 545 00:31:14.319 --> 00:31:15.279 Five over twenty five? 546 00:31:15.279 --> 00:31:15.440 Thou? 547 00:31:16.559 --> 00:31:19.400 Okay, did and you didn't put a lean on the house? 548 00:31:19.440 --> 00:31:21.920 Did you no, I haven't because if I do that. 549 00:31:21.960 --> 00:31:23.160 It's too late. It's too late. 550 00:31:23.200 --> 00:31:24.559 It's too late, bro, too late. 551 00:31:24.720 --> 00:31:30.119 Now, I have a few questions for you. He stopped paying, 552 00:31:30.200 --> 00:31:33.559 he got into a depression, stopped paying his bills. 553 00:31:34.240 --> 00:31:35.359 Is he being foreclosed on? 554 00:31:36.200 --> 00:31:38.799 No, he's paying, he's playing. It's out. Just some of 555 00:31:38.839 --> 00:31:41.799 his credit cards are, he told me. And I even 556 00:31:41.839 --> 00:31:42.720 talked to New Day again. 557 00:31:43.559 --> 00:31:45.920 Frank. Hold On, I got it. Hold On, Frank, I'll 558 00:31:45.960 --> 00:31:48.839 have some suggestion. I do have some suggestions. It's not 559 00:31:48.880 --> 00:31:51.559 going to be an easy road, bro. Hold On, I'm 560 00:31:51.559 --> 00:32:01.079 Tom Martine. Go with a sure thing US best rufer 561 00:32:01.200 --> 00:32:04.119 Excel Roofing dot com. You don't pay a cent until 562 00:32:04.160 --> 00:32:10.599 you're content. Time for an insurance check up free, no obligation. 563 00:32:10.640 --> 00:32:14.440 In comparison, call Compass Insurance paying too much your coverage 564 00:32:14.480 --> 00:32:17.160 at dozens of insurance companies find out now three oh 565 00:32:17.200 --> 00:32:19.680 three seven seven to one help. You'll think you're his 566 00:32:19.839 --> 00:32:22.440 only customer when you choose Frank durand the real estate 567 00:32:22.480 --> 00:32:25.759 Man dot com to list your home with Remax Alliance 568 00:32:26.000 --> 00:32:28.319 three oh three nine two zero sixteen twenty two. 569 00:32:30.880 --> 00:32:32.599 Hi Tom Martino, you're troubleshooter. 570 00:32:32.640 --> 00:32:35.039 Three O three seven one three talk seven one three 571 00:32:35.000 --> 00:32:38.319 eight two five five. So what's going on with you? 572 00:32:38.440 --> 00:32:41.039 What can we do to help you? Man? I'll tell you. Uh, 573 00:32:41.200 --> 00:32:43.200 we have a lot of great topics that come on 574 00:32:43.440 --> 00:32:45.119 come up on the show. Brad O'Brien is with me 575 00:32:45.200 --> 00:32:46.960 Olslaw dot com. I want to get right to him 576 00:32:46.960 --> 00:32:49.000 real quick. He may not be able to answer in 577 00:32:49.039 --> 00:32:51.400 this amount of time, so we'll call him back. But Brad, 578 00:32:51.599 --> 00:32:54.599 listen real quick. Just the first question that comes up. 579 00:32:54.960 --> 00:32:57.319 If let's say you you quit claimed or you got 580 00:32:57.359 --> 00:32:59.880 your son on on the title with you, and you 581 00:33:00.079 --> 00:33:02.240 have a falling out with your son, how do you 582 00:33:02.240 --> 00:33:04.559 get him off if he refuses to get off the title? 583 00:33:04.839 --> 00:33:07.480 Is there a way to do that? Uh? 584 00:33:08.359 --> 00:33:09.759 Get him to sign a deed back to you? 585 00:33:10.400 --> 00:33:14.200 Yeah, I mean it's and if without his cooperation, is 586 00:33:14.240 --> 00:33:17.160 there any kind of legal step I can take saying, look, 587 00:33:17.200 --> 00:33:19.359 I did it, he didn't pay any consideration. I want 588 00:33:19.400 --> 00:33:20.079 to take it back. 589 00:33:20.759 --> 00:33:23.880 Well, to undo it, to reform the deed that basically 590 00:33:23.880 --> 00:33:26.039 cancel the deed that you gave the proper to him. 591 00:33:26.440 --> 00:33:30.440 You have to maybe show some fraud and when you 592 00:33:30.480 --> 00:33:31.400 did that in first place. 593 00:33:31.480 --> 00:33:34.920 But if there wasn't fraud, if you willingly did it 594 00:33:35.480 --> 00:33:39.079 and now you changed your mind, that's just tough. Luck. 595 00:33:39.599 --> 00:33:41.440 Yeah, you can't just undo it without the other person 596 00:33:41.480 --> 00:33:42.400 signing a deed back to you. 597 00:33:44.160 --> 00:33:44.920 Holy crap. 598 00:33:45.359 --> 00:33:47.359 So if he sells this, can this guy come in 599 00:33:47.400 --> 00:33:48.599 and demand part of the money. 600 00:33:49.359 --> 00:33:53.039 Of course they're part owner and my default fifty to 601 00:33:53.079 --> 00:33:54.160 fifty ownership presumption. 602 00:33:54.839 --> 00:33:59.000 Brad o'brienolslaw dot com for real estate issue seven to 603 00:33:59.119 --> 00:34:01.880 zero three seven zero seventy three eighty eight more coming up. 604 00:34:05.440 --> 00:34:08.679 Go with a sure thing Denver's Best roofer Excel Roofing 605 00:34:08.800 --> 00:34:11.440 dot com. You don't pay a cent until you're content. 606 00:34:13.039 --> 00:34:17.280 Please time for an insurance check up free, no obligation 607 00:34:17.400 --> 00:34:21.280 comparison call Compass Insurance paying too much your coverage at 608 00:34:21.320 --> 00:34:24.079 dozens of insurance companies find out now three oh three 609 00:34:24.199 --> 00:34:26.800 seven seven to one help. You'll think you're his only 610 00:34:26.880 --> 00:34:29.360 customer when you choose Frank durand the real estate Man 611 00:34:29.400 --> 00:34:32.880 dot com to list your home with Remax Alliance three 612 00:34:32.880 --> 00:34:35.000 oh three nine two zero sixteen twenty two. 613 00:34:35.760 --> 00:34:45.840 Yeah, ripped you need so you don't. 614 00:34:45.639 --> 00:34:52.960 Have come run ins as a cam Shooter's gonna help. 615 00:34:53.239 --> 00:34:56.079 Come man, This is. 616 00:34:56.000 --> 00:34:59.800 The Troubleshooter show No Tom Martine. 617 00:35:00.519 --> 00:35:03.559 By Tom Martinez, You're a troubleshooter three O three seven 618 00:35:03.639 --> 00:35:06.760 one three talks seven one three eight two five five. Hey, 619 00:35:06.880 --> 00:35:11.440 what if you get a knock on the door and uh, 620 00:35:11.599 --> 00:35:13.639 there's some gang members saying you got to pay us 621 00:35:13.639 --> 00:35:17.559 rent from now on or we're evicting you. 622 00:35:17.599 --> 00:35:18.960 Really, what would you do? 623 00:35:19.639 --> 00:35:21.519 Now? I know you think, well, that's never gonna happen 624 00:35:21.519 --> 00:35:25.079 where I am. Well you most likely that's true judging 625 00:35:25.079 --> 00:35:30.320 by my audience. But but okay, not everyone is fortunate. 626 00:35:31.960 --> 00:35:35.880 So what happens? What would you do if you say, no, 627 00:35:36.000 --> 00:35:38.199 they got a gun. There an automatic weapons. Some of them 628 00:35:38.280 --> 00:35:41.559 look like ar fifteens. I mean, these people are walking 629 00:35:41.599 --> 00:35:46.440 around threatening people, and you know what, that's just fine. 630 00:35:46.480 --> 00:35:53.119 Our government sucks, Our state government surely sucks. We invite 631 00:35:53.519 --> 00:35:57.199 these people, and I say, these people, I'm not talking 632 00:35:57.199 --> 00:36:00.159 about the good immigrants who want a better life. 633 00:36:00.760 --> 00:36:02.320 But we have to discriminate. 634 00:36:03.199 --> 00:36:04.519 H Did I just say that? 635 00:36:04.960 --> 00:36:08.719 Yeah? We have to discriminate based on behavior and criminal activity. 636 00:36:09.880 --> 00:36:14.960 We have to have laws against crimes and against all 637 00:36:15.000 --> 00:36:15.239 of that. 638 00:36:17.199 --> 00:36:19.519 We are a nation of laws and we're a nation 639 00:36:19.559 --> 00:36:22.320 of humanity. Both you can have both. 640 00:36:22.559 --> 00:36:28.159 You see where I disagree with people in politics is 641 00:36:28.159 --> 00:36:32.280 when they're all one or the other. You can have 642 00:36:32.440 --> 00:36:38.400 sensible social programs to help people to help themselves. You 643 00:36:38.480 --> 00:36:44.079 can have equal opportunity, but you should not have equal outcomes. 644 00:36:45.119 --> 00:36:50.360 You can't. Sorry, move on. We can educate you, or 645 00:36:50.400 --> 00:36:53.199 help you or get you a job, but we can't 646 00:36:53.199 --> 00:36:57.519 make you perform. No one should try. If you listen 647 00:36:57.519 --> 00:37:00.639 to Kamala Harris, she's all about equity, not just equality. 648 00:37:00.760 --> 00:37:03.920 She believes equality doesn't go far enough. We must have equity. 649 00:37:04.800 --> 00:37:10.559 Equity is equal outcome. Well, how how's that going to work? 650 00:37:12.440 --> 00:37:16.760 How exactly does that work? You both do different jobs 651 00:37:17.639 --> 00:37:22.480 and get paid the same? How does how does equity work? Now? Look, 652 00:37:23.960 --> 00:37:28.519 there has to be a chance for everyone to be 653 00:37:28.559 --> 00:37:33.239 able to get ahead. But you can't make people perform. Now, 654 00:37:33.440 --> 00:37:38.760 those unfortunate who can't perform, they should be helped, of course. 655 00:37:41.519 --> 00:37:44.719 Three zero three seven one three talks seven one three 656 00:37:44.800 --> 00:37:49.639 A two five five. Frank called in. We got a 657 00:37:49.719 --> 00:37:55.800 terrible situation, you're Frank. This man made a dreadful mistake 658 00:37:55.880 --> 00:37:58.920 that a lot of kids make, and they put their 659 00:38:00.199 --> 00:38:03.719 this man that'll they put their kids on the deed 660 00:38:04.639 --> 00:38:09.360 or the title they put them on there, and the 661 00:38:09.400 --> 00:38:14.039 way they do that is with a quit claim deed 662 00:38:14.119 --> 00:38:17.480 or some other way they feel like, oh, I'm going 663 00:38:17.559 --> 00:38:19.920 to die soon, or as I get older, I want 664 00:38:19.960 --> 00:38:21.400 my kids to have the house. The worst thing you 665 00:38:21.440 --> 00:38:23.559 can do is do it during life. You do it 666 00:38:23.639 --> 00:38:26.119 after death. You do it with a beneficiary's deed or 667 00:38:26.119 --> 00:38:29.199 a will or even a trust. 668 00:38:29.960 --> 00:38:31.519 Because, first of all, when you do a quit. 669 00:38:31.440 --> 00:38:34.519 Claim deed, if you wanted to leave your house to 670 00:38:34.519 --> 00:38:36.679 a kid, let me give you an example of what happens. 671 00:38:38.639 --> 00:38:40.639 Let's say you're one of these old codgers who paid 672 00:38:40.639 --> 00:38:42.880 one hundred and seventy five thousand for your home and 673 00:38:42.920 --> 00:38:47.920 it's now worth eight hundred thousand. Think about this now, Okay, 674 00:38:49.480 --> 00:38:51.679 so you have a lot of equity in that house. 675 00:38:52.000 --> 00:38:56.960 If you sold it, you'd pay capital gains tax. So 676 00:38:57.079 --> 00:38:59.559 let's say eight seventy five, and you pay, and you paid, 677 00:39:01.599 --> 00:39:04.000 I don't know, let's just take some numbers, and you 678 00:39:04.039 --> 00:39:07.360 paid one to eighty five. Let's just do that. So 679 00:39:07.440 --> 00:39:11.239 you have six hundred ninety thousand dollars in equity, that's 680 00:39:11.239 --> 00:39:16.800 six ninety you'll pay capital gains tax on everything above 681 00:39:16.800 --> 00:39:19.119 two point fifty as an individual or five hundred as 682 00:39:19.119 --> 00:39:23.880 a couple. So when you that, that's what you pay. 683 00:39:24.159 --> 00:39:26.440 That's going to be a lot of tax. You don't 684 00:39:26.440 --> 00:39:30.239 get out of that. You get an exclusion, but you 685 00:39:30.360 --> 00:39:37.280 pay tax on the rest. So let's say you are 686 00:39:37.360 --> 00:39:41.639 getting older, you're seventy seventy five eighty, so you put 687 00:39:41.679 --> 00:39:45.079 your kids on the deed. As soon as you do that, 688 00:39:46.199 --> 00:39:52.519 they inherit your basis of one hundred eighty five thousand, 689 00:39:53.679 --> 00:39:57.519 that becomes their basis. What does that mean? That means 690 00:39:57.559 --> 00:40:02.360 if you die or when you die and they sell 691 00:40:02.400 --> 00:40:08.199 that house, they will have to calculate a basis of 692 00:40:08.320 --> 00:40:11.960 six hundred and ninety thousand or more. As the house 693 00:40:12.000 --> 00:40:16.639 goes up in value, they will be strapped with a 694 00:40:16.920 --> 00:40:20.039 ton of taxes because they're not going to get the 695 00:40:20.119 --> 00:40:27.800 exclusion either because it's not their primary residence. So they're 696 00:40:27.800 --> 00:40:31.320 going to end up paying almost half of that. Well 697 00:40:31.400 --> 00:40:34.199 not necessarily because it's capital gains, but they're going to 698 00:40:34.239 --> 00:40:39.599 pay a lot a lot. So what happens, You screwed them. 699 00:40:40.400 --> 00:40:42.519 But what's even worse, if you change your mind, you 700 00:40:42.519 --> 00:40:45.079 can't get them off the deed. The better way to 701 00:40:45.119 --> 00:40:48.639 do it as a beneficiaries deed or in a will, 702 00:40:48.800 --> 00:40:51.320 which you can change, so if you have a falling out, 703 00:40:51.679 --> 00:40:55.159 you can get them off it. But here's how that works. 704 00:40:55.719 --> 00:41:00.559 With a beneficiaries deed or a will, upon your death, 705 00:41:01.320 --> 00:41:04.480 they don't inherit your one hundred and eighty five thousand 706 00:41:04.519 --> 00:41:09.039 dollars bases. Their basis now goes to whatever the house 707 00:41:09.199 --> 00:41:14.559 was worth at death. So now let's say it was 708 00:41:14.639 --> 00:41:18.679 eight seventy five, as we talked about, So if they 709 00:41:18.719 --> 00:41:21.639 want to sell it, presumably they'll sell it for eight 710 00:41:21.679 --> 00:41:24.440 seventy five or a little less or a little more. 711 00:41:25.079 --> 00:41:29.519 There will be no tax. So when you put them 712 00:41:29.519 --> 00:41:32.880 on a quick clean deed, you are screwing yourself. You 713 00:41:33.000 --> 00:41:38.760 are strewing them, and you are paying needless taxes. That's 714 00:41:38.760 --> 00:41:44.519 what you're doing. So don't do it. But now, once 715 00:41:44.599 --> 00:41:46.760 you do it, how do you get them off it? 716 00:41:46.840 --> 00:41:50.400 You heard Brad O'Brien, our real estate attorneys say, you 717 00:41:50.480 --> 00:41:52.280 can't get them off the deed once you put them 718 00:41:52.280 --> 00:41:56.719 on unless they defrauded you somehow, and you can prove 719 00:41:56.760 --> 00:41:59.000 it they defrauded you into putting them on the deed. 720 00:41:59.360 --> 00:42:04.599 That's too much. So, Frank, this guy screwed not only 721 00:42:04.639 --> 00:42:08.679 that he no longer qualifies for a loan. So you're 722 00:42:08.719 --> 00:42:12.679 not going to like the solution I have. However, it 723 00:42:12.760 --> 00:42:17.599 could be pretty clever. You're ready for it. Frank did 724 00:42:17.679 --> 00:42:24.159 work on this a year ago, and Frank not only 725 00:42:24.199 --> 00:42:27.400 did work on the house, but he didn't get paid. 726 00:42:28.320 --> 00:42:32.920 The guy had to refy to get him paid. And 727 00:42:32.960 --> 00:42:37.079 what happened was he couldn't refi because the sun was 728 00:42:37.119 --> 00:42:39.679 on the deed. The sun refused to cooperate and the 729 00:42:39.679 --> 00:42:44.840 sun won't get off the deed. So Frank, you're twenty 730 00:42:44.840 --> 00:42:45.880 five grand? Is that right? 731 00:42:46.920 --> 00:42:48.400 Of course I've stre changed. 732 00:42:50.960 --> 00:42:55.360 Here's what I think. I think you didn't finish that job. 733 00:42:58.960 --> 00:43:00.760 I think you still have to go and do some 734 00:43:00.800 --> 00:43:07.840 more work on it to finish that original job. And 735 00:43:07.880 --> 00:43:11.119 I'm going to tell you why. And I'm only telling 736 00:43:11.119 --> 00:43:15.079 you if this was me. Okay, if this was me, 737 00:43:15.159 --> 00:43:18.599 I'm not telling you to do it. I would go 738 00:43:18.719 --> 00:43:24.119 back and finish trimming that siding job, and I would 739 00:43:24.159 --> 00:43:28.480 finish it up. Then I would submit an invoice for 740 00:43:28.519 --> 00:43:32.599 the whole job. Do you know why I'm telling you that? 741 00:43:34.480 --> 00:43:37.440 To do the mechanic clean because. 742 00:43:37.440 --> 00:43:39.519 You only have four months from the time you leave 743 00:43:39.559 --> 00:43:43.880 the job to do the mechanics lean. You have to 744 00:43:43.880 --> 00:43:48.280 give notice then file a lien. But you didn't leave 745 00:43:48.280 --> 00:43:49.920 that job last year. You still have to go back 746 00:43:49.960 --> 00:43:54.960 and finish it. When you file a lien, you can 747 00:43:55.000 --> 00:43:57.599 even do it with the cooperation of this guy if 748 00:43:57.639 --> 00:43:59.599 you want to be a good guy. I'm serious now, 749 00:44:02.079 --> 00:44:05.320 So what you do is file a lean, and then 750 00:44:05.960 --> 00:44:11.559 I would go and foreclose on that lean with this 751 00:44:11.599 --> 00:44:13.880 guy's cooperation, with a wink wink. If you're going to 752 00:44:13.920 --> 00:44:15.840 be a good guy, this is how I would do it. 753 00:44:17.679 --> 00:44:24.360 Then then what I would do is start a foreclosure action. 754 00:44:26.000 --> 00:44:28.079 And I would sue the other guy too, the Sun. 755 00:44:29.239 --> 00:44:31.320 Then I would offer to take the Sun off the 756 00:44:31.400 --> 00:44:36.519 lawsuit if he signs over his share to his dad, 757 00:44:36.519 --> 00:44:37.960 and you'll only go after the dad. 758 00:44:41.159 --> 00:44:41.360 Man. 759 00:44:41.360 --> 00:44:42.039 I know you could do that. 760 00:44:42.920 --> 00:44:46.079 Well, of course you can. You can settle and discuss anything. 761 00:44:46.119 --> 00:44:49.400 Now. If the Sun's sophisticated, he'll think, wait a minute, 762 00:44:49.960 --> 00:44:52.039 I don't have much risk here because if he sells 763 00:44:52.039 --> 00:44:54.679 the house, he's going to easily get paid his twenty 764 00:44:54.679 --> 00:44:56.000 five or twenty six grand. 765 00:44:56.599 --> 00:44:57.719 They'll have money. 766 00:44:58.440 --> 00:45:01.000 Yeah, yeah, if the Sun knows that, he but if 767 00:45:01.079 --> 00:45:04.280 you if you sue him, personally for that work. If 768 00:45:04.320 --> 00:45:08.280 he's on the deed, you can sue him. Even though 769 00:45:08.320 --> 00:45:10.760 you can't put a lien on it technically until it's done. 770 00:45:11.159 --> 00:45:14.320 Until within four months, you can still sue him. Whether 771 00:45:14.440 --> 00:45:16.280 or not that lian is found valid or not, you 772 00:45:16.320 --> 00:45:19.000 can still sue for payment you haven't been paid. But 773 00:45:19.079 --> 00:45:23.239 I would sue both of them personally once you start, 774 00:45:23.360 --> 00:45:25.280 and you can go to a good collection attorney to 775 00:45:25.320 --> 00:45:29.679 do this, and once you start this lawsuit, I would 776 00:45:29.719 --> 00:45:32.719 do both the lean and the lawsuit because even if 777 00:45:32.719 --> 00:45:35.360 the lean, even if the Sun or somebody says that's bogus, 778 00:45:35.400 --> 00:45:36.519 you didn't really do the job. 779 00:45:36.559 --> 00:45:39.440 You did it a year ago. I don't think anybody 780 00:45:39.480 --> 00:45:39.920 will do that. 781 00:45:39.960 --> 00:45:41.599 But if they figure out what you're trying to do 782 00:45:41.679 --> 00:45:43.679 and try to get the lean removed, it doesn't matter. 783 00:45:43.719 --> 00:45:47.760 You can still sue on the invoice. And when you 784 00:45:47.800 --> 00:45:53.079 sue that son, what do you think he'll do. He's 785 00:45:53.119 --> 00:45:55.519 going to be He's gonna be personally liable for it, 786 00:45:56.679 --> 00:45:59.679 and you don't even here's the problem. They can't The 787 00:45:59.719 --> 00:46:04.199 Sun can't say to you, Frank, you need to foreclothes 788 00:46:04.239 --> 00:46:09.320 on this house. He can't because the dad might say no, 789 00:46:09.400 --> 00:46:11.679 I'm not paying and I don't want to pay, so 790 00:46:12.159 --> 00:46:15.400 you're gonna put pressure on this son. So if this 791 00:46:15.480 --> 00:46:18.159 a hole thinks well I got a house, he can 792 00:46:18.199 --> 00:46:25.199 be held personally liable personally for the bill. And not 793 00:46:25.239 --> 00:46:29.239 only that, and you don't even have to do the 794 00:46:29.320 --> 00:46:31.920 lean Frank, you could just go and sue both of 795 00:46:31.960 --> 00:46:34.960 them right now for the twenty five grand I think 796 00:46:35.000 --> 00:46:38.280 it's called quantum marrowit meaning they got value and did 797 00:46:38.320 --> 00:46:41.239 not pay. And you can argue he got value because 798 00:46:41.280 --> 00:46:45.400 he's on the house, so now he's got value he 799 00:46:45.440 --> 00:46:50.199 didn't pay. Here's what's great about suing. You don't have 800 00:46:50.320 --> 00:46:55.760 to foreclosed. They can't make you fore clothes. Years ago, 801 00:46:56.159 --> 00:46:59.000 when real estate was crashing and I owed money, I 802 00:46:59.000 --> 00:47:01.440 would say for closed. The guy would say, no, I'm 803 00:47:01.480 --> 00:47:05.639 coming after you personally. I have better chance of collecting 804 00:47:05.639 --> 00:47:08.719 from you personally than foreclosing. No one can make you 805 00:47:08.800 --> 00:47:10.880 foreclose on that building or on that house. 806 00:47:11.360 --> 00:47:13.480 So you can. And here's the other thing. 807 00:47:13.719 --> 00:47:16.119 If both the father and the son owe the money, 808 00:47:16.599 --> 00:47:18.480 you don't even have to go after both of them. 809 00:47:19.119 --> 00:47:22.119 You can go after either one of them or both 810 00:47:22.159 --> 00:47:24.639 of them. So but you can use it as leverage 811 00:47:24.639 --> 00:47:27.920 against this guy. But Frank, I have a feeling you're 812 00:47:27.960 --> 00:47:30.079 not going to do it because I hear kind of 813 00:47:30.159 --> 00:47:35.360 like hesitation. But you're making a fatal mistake by not 814 00:47:35.400 --> 00:47:35.800 doing it. 815 00:47:35.840 --> 00:47:38.639 And I don't mean physical, I mean I paid money 816 00:47:38.679 --> 00:47:40.159 out of my pocket. I bought the siding, and I 817 00:47:40.159 --> 00:47:42.199 paid everybody I played taxes. 818 00:47:42.800 --> 00:47:47.199 So okay, Frank, here's what I want you to do. 819 00:47:48.960 --> 00:47:51.039 I want you to go to a good collection attorney 820 00:47:52.480 --> 00:47:55.400 and I want you to sue both of those people. 821 00:47:56.039 --> 00:48:02.039 And then if that guy, if that guy gets off 822 00:48:02.039 --> 00:48:05.519 the loan, gets off the deed, then you have an 823 00:48:05.519 --> 00:48:10.559 interesting situation. What you'll have listen carefully is is is 824 00:48:10.559 --> 00:48:16.079 the homeowner who owes you money, and that homeowner, however, 825 00:48:16.519 --> 00:48:20.880 has a good first and then that homeowner, with cooperation, 826 00:48:21.039 --> 00:48:23.239 will allow you to put a second on the house. 827 00:48:24.519 --> 00:48:26.440 And if you put a second on that house, you're 828 00:48:26.480 --> 00:48:29.280 at least secured. You won't get paid instantly, but you'll 829 00:48:29.320 --> 00:48:32.599 at least be secured. Then you can worry about collecting 830 00:48:32.639 --> 00:48:35.840 on that second. But do one step at a time. First, 831 00:48:35.880 --> 00:48:39.199 get rid of the deadbeat sun. I'm Tom Martine. We 832 00:48:39.280 --> 00:48:41.559 have more coming up on the Troubleshooter Show. Three zero 833 00:48:41.559 --> 00:48:44.079 three seven one three eight two five five eight eight 834 00:48:44.079 --> 00:48:47.960 eight Heating dot Com for trusted service on your AC 835 00:48:48.280 --> 00:48:51.920 or furnace, or plumbing or electric. They've expanded and you 836 00:48:51.960 --> 00:48:56.400 can trust them. That's eight eight eight Heating dot Com 837 00:48:56.599 --> 00:49:01.800 people that I know and trust and you can too. 838 00:49:05.639 --> 00:49:08.920 Go with a sure thing Denver's Best Roofer Excel Roofing 839 00:49:09.039 --> 00:49:11.679 dot com. You don't pay a cent until you're content. 840 00:49:15.039 --> 00:49:18.239 Time for an insurance checkup free, no obligation. In comparison, 841 00:49:18.360 --> 00:49:21.920 call Compass Insurance paying too much your coverage at dozens 842 00:49:21.920 --> 00:49:24.639 of insurance companies find out now three all three seven 843 00:49:24.679 --> 00:49:27.039 to seven to one help. You'll think you're his only 844 00:49:27.119 --> 00:49:29.599 customer when you choose Frank durand the real estate Man 845 00:49:29.639 --> 00:49:33.079 dot com to list your home with Remax Alliance three 846 00:49:33.079 --> 00:49:38.760 oh three nine two zero sixteen twenty two. Hi Tom Martino, 847 00:49:38.800 --> 00:49:41.480 you're troubleshooter three O three seven to one three talk 848 00:49:42.360 --> 00:49:47.000 interesting discussions always with my YouTube morons. You'd be smarter 849 00:49:47.880 --> 00:49:51.679 if you got online and watched as well or streamed 850 00:49:51.719 --> 00:49:54.199 as well as uh listened. 851 00:49:55.000 --> 00:49:57.559 Hey David, what's your question? What's going on? 852 00:49:57.639 --> 00:49:57.760 Bro? 853 00:49:58.000 --> 00:49:58.639 What's happening? 854 00:50:00.079 --> 00:50:00.199 So? 855 00:50:00.280 --> 00:50:02.679 I have a sister who filed a civil lawsuit to 856 00:50:02.760 --> 00:50:05.000 force the sill of some property that civil of us 857 00:50:05.039 --> 00:50:06.159 brothers and sisters owned. 858 00:50:06.400 --> 00:50:08.880 Okay, So your sister is the only one out of 859 00:50:08.920 --> 00:50:09.519 how many. 860 00:50:10.519 --> 00:50:11.800 There six of us? 861 00:50:12.239 --> 00:50:15.559 Okay, well out of six okay, got it? 862 00:50:16.280 --> 00:50:18.719 Okay. And so she hired a lawyer, and then later 863 00:50:18.800 --> 00:50:21.519 on during the process she stops using him. I don't 864 00:50:21.559 --> 00:50:25.920 know why. She just doesn't have a lawyer anymore. So 865 00:50:26.079 --> 00:50:30.480 she's a defendant. But now she's using my sister, who's 866 00:50:30.559 --> 00:50:34.039 a or she's the not the defendant. 867 00:50:33.639 --> 00:50:38.320 She's the she's the plaintiff. Your sister is the plaintiff, 868 00:50:38.400 --> 00:50:42.159 and she's suing her five siblings to sell a property. 869 00:50:42.199 --> 00:50:44.840 You all inherited, right, okay? 870 00:50:44.880 --> 00:50:48.440 Okay, So she dropped her lawyer or he quit. I'm 871 00:50:48.440 --> 00:50:51.159 not sure what happened. Okay, But now she's using one 872 00:50:51.199 --> 00:50:55.480 of the defendants as a foxy to settle the lawsuit. 873 00:50:56.199 --> 00:50:59.679 Now I don't understand. Hold on when you say she's 874 00:50:59.760 --> 00:51:01.199 used one of the defendants. 875 00:51:01.280 --> 00:51:05.559 So one of her siblings she's using as a mouthpiece 876 00:51:06.719 --> 00:51:07.880 as a proxy. 877 00:51:08.440 --> 00:51:11.119 Well, no, I don't know, way, baby, what do you 878 00:51:11.199 --> 00:51:14.519 mean proxy? There is no proxy in a lawsuit. So 879 00:51:14.840 --> 00:51:18.039 there's attorney. There are attorneys, and so what do you 880 00:51:18.079 --> 00:51:18.880 mean proxy? 881 00:51:20.239 --> 00:51:24.920 Apparently she signed a letter giving my sister, who my 882 00:51:25.000 --> 00:51:27.920 other sister who's a defendant, the right to speak on 883 00:51:27.960 --> 00:51:28.519 her behalf. 884 00:51:28.800 --> 00:51:32.360 Okay, well then now I see what you're saying a spokesperson. Okay, well, 885 00:51:32.360 --> 00:51:37.519 there's a clear conflict of interest here. But but a 886 00:51:37.559 --> 00:51:41.159 conflict of interest is something to bring up before a 887 00:51:41.280 --> 00:51:46.559 judge because people think conflicts of interest are against the law. 888 00:51:46.960 --> 00:51:51.159 They're not. Technically. An attorney, you know, could be in 889 00:51:51.239 --> 00:51:55.079 trouble for representing parties that are closely aligned but they're 890 00:51:55.119 --> 00:51:58.719 against each other. But that's up to you to you 891 00:51:58.800 --> 00:52:01.559 to bring up to the judge. So what is happening. 892 00:52:02.519 --> 00:52:06.280 I wouldn't this sibling. Isn't that better that she got 893 00:52:06.320 --> 00:52:08.480 one of you to try to settle the case? 894 00:52:08.559 --> 00:52:10.320 Or do you think they made a side deal. 895 00:52:12.280 --> 00:52:14.039 Normally I would think it would be a good deal, 896 00:52:14.039 --> 00:52:16.480 but in this particular situation, I do not think it'sidered. 897 00:52:16.719 --> 00:52:18.400 Well, what do you mean do you think she said 898 00:52:18.440 --> 00:52:21.239 to her sister or brother, hey, help me settle this 899 00:52:21.320 --> 00:52:26.519 and you get a little more Yes, okay, how is 900 00:52:26.519 --> 00:52:28.599 is the other sibling a sister or brother? 901 00:52:29.639 --> 00:52:30.280 It's a sister. 902 00:52:30.639 --> 00:52:34.920 Okay, So how is using this sister going to be bad? 903 00:52:36.159 --> 00:52:38.880 Because both of them had rented the property for ten 904 00:52:39.000 --> 00:52:43.320 years and never accounted for the rental proceeds or shared 905 00:52:43.320 --> 00:52:44.480 the rental proceeds. 906 00:52:44.599 --> 00:52:46.239 And now that, well, what does that have to do 907 00:52:46.320 --> 00:52:46.920 with any things? 908 00:52:47.920 --> 00:52:52.639 Well, I ended up buying the house because of the 909 00:52:52.760 --> 00:52:55.000 civil lawsuits, and well. 910 00:52:54.800 --> 00:52:57.719 Hold on, so wait, wait, wait, wait wait, you ended 911 00:52:57.800 --> 00:52:59.360 up buying it from the estate. 912 00:53:01.199 --> 00:53:07.159 Yes, well the estate was involved or or what's what 913 00:53:07.199 --> 00:53:07.719 I'm looking for? 914 00:53:07.880 --> 00:53:10.159 No, I get it. It was closed and you bought it, 915 00:53:10.239 --> 00:53:11.000 but you bought it. 916 00:53:10.960 --> 00:53:13.199 From the siblings, right right? 917 00:53:13.599 --> 00:53:17.400 Okay, hold on twenty three years later, David, David, you 918 00:53:18.280 --> 00:53:20.239 bought the house? How long ago? 919 00:53:21.199 --> 00:53:21.320 Well? 920 00:53:21.360 --> 00:53:22.320 I just bought it this year. 921 00:53:23.000 --> 00:53:27.840 Okay, So you bought the house. Was the lawsuit dismissed 922 00:53:28.000 --> 00:53:29.519 or or dropped? 923 00:53:30.320 --> 00:53:30.400 No? 924 00:53:31.599 --> 00:53:34.880 How do you still have a lawsuit to make you 925 00:53:35.079 --> 00:53:38.000 sell a house if you already sold it? 926 00:53:38.960 --> 00:53:43.239 Because what happened is once once the mortgage company funded 927 00:53:43.679 --> 00:53:48.039 the house the mortgage, the money after all expenses had 928 00:53:48.079 --> 00:53:53.360 to go into the county registry, court registry or bank 929 00:53:53.440 --> 00:53:56.039 or whatever they call it. Okay, and then from that 930 00:53:56.159 --> 00:53:58.440 point we had to figure out how we were going 931 00:53:58.480 --> 00:54:00.920 to invite all the money between all the. 932 00:54:00.880 --> 00:54:03.400 Okay, I got it, but you okay. But as far 933 00:54:03.440 --> 00:54:07.119 as the closing, you actually closed on the house, yes, 934 00:54:07.159 --> 00:54:09.599 I did, okay? And how much did you buy it for? 935 00:54:11.400 --> 00:54:13.400 Two hundred? 936 00:54:13.639 --> 00:54:17.320 So obviously everyone had to agree to the two hundred 937 00:54:17.320 --> 00:54:20.480 and forty four to five for it to happen, right, 938 00:54:21.559 --> 00:54:24.320 And did you have to pay off any loans? 939 00:54:25.239 --> 00:54:25.519 Yes? 940 00:54:25.519 --> 00:54:25.800 It did? 941 00:54:26.199 --> 00:54:28.920 So what did what did the house net after commissions 942 00:54:28.920 --> 00:54:33.920 and loans? Hands? Just right? 943 00:54:35.239 --> 00:54:37.719 About about one hundred and seventy one hundred and seventy 944 00:54:37.760 --> 00:54:38.559 nine thousand. 945 00:54:38.519 --> 00:54:41.079 Okay, So now one hundred and seventy nine thousand have 946 00:54:41.199 --> 00:54:45.559 to be has to be divided, right, Okay, So keep going. 947 00:54:46.880 --> 00:54:49.679 So they're just agreeing on some of the things that 948 00:54:49.719 --> 00:54:53.199 my lawyer has has a I've asked. 949 00:54:53.000 --> 00:54:55.679 Through my lawyer, like, no, give me an idea of 950 00:54:55.679 --> 00:54:57.760 what they're disagreeing with. I don't get what you're. 951 00:54:57.599 --> 00:55:01.960 Saying, okay. I. So I'm explaining they collected rent for 952 00:55:02.039 --> 00:55:04.639 ten years and they never shared that with anybody, And 953 00:55:04.719 --> 00:55:08.199 so I spoke to my lawyer and we felt that 954 00:55:08.239 --> 00:55:10.519 it was unfair for them to have collected that rent. 955 00:55:11.440 --> 00:55:13.039 And then now after I was forced to. 956 00:55:13.079 --> 00:55:15.920 Right now, you wanted to offset their there. 957 00:55:15.599 --> 00:55:17.360 How many of them rented it two of them. 958 00:55:18.239 --> 00:55:20.440 Two of them rented the house out to the third party. 959 00:55:20.639 --> 00:55:24.559 Okay, since there are a total of sip six siblings 960 00:55:25.519 --> 00:55:28.480 and two of them rented it out, are the other 961 00:55:28.719 --> 00:55:32.840 four in agreement that they should have a lesser share? 962 00:55:35.480 --> 00:55:38.000 The two of us are in agreement. Two said they 963 00:55:38.039 --> 00:55:39.800 wanted nothing to do with the house. But then they 964 00:55:39.920 --> 00:55:43.719 turned around to sign the proxy over to my sister, 965 00:55:43.920 --> 00:55:47.960 the one that's the defendant, who's going to speak on 966 00:55:48.000 --> 00:55:50.440 behalf of the others. 967 00:55:50.800 --> 00:55:55.400 Okay, so listen. So the lawsuit, though the lawsuit is 968 00:55:55.440 --> 00:55:58.199 not going on any longer because it's a whole different lawsuit, 969 00:55:58.280 --> 00:56:04.519 they would have had to amend the lawsuit. How do 970 00:56:04.519 --> 00:56:07.280 you okay? The lawsuit was to compel you to sell 971 00:56:07.320 --> 00:56:12.079 the house. Right the house was sold. Now they would 972 00:56:12.159 --> 00:56:14.639 have to amend the lawsuit or file a new one 973 00:56:15.039 --> 00:56:20.039 for division of proceeds. Right, is that what they did? 974 00:56:21.079 --> 00:56:25.840 What happened was the paktiff doctor lawyer or lost her 975 00:56:25.920 --> 00:56:30.840 ord no longer had a lawyer. My my lawyer went 976 00:56:30.880 --> 00:56:37.239 through with the discision of money, and it is she 977 00:56:37.239 --> 00:56:39.119 she said, she said, this is what we want. 978 00:56:39.920 --> 00:56:42.000 I get it, I get it. I get that you 979 00:56:42.039 --> 00:56:44.159 want to offset the rent. But I'm going to tell 980 00:56:44.159 --> 00:56:48.119 you something. Okay. They call it a court of equity, 981 00:56:48.559 --> 00:56:53.519 which means that logically, if they collected more from the 982 00:56:53.639 --> 00:56:58.000 estate or from the property then the others did. If 983 00:56:58.039 --> 00:57:02.599 they collected more than the others did, they should offset 984 00:57:02.960 --> 00:57:08.280 their profit in a court of equity. Hold on, wait, David, 985 00:57:08.760 --> 00:57:13.440 But there is also a court of law which says, 986 00:57:14.000 --> 00:57:17.480 in the absence of an agreement, they may not owe 987 00:57:17.519 --> 00:57:21.440 you anything unless the majority of people who have been 988 00:57:21.480 --> 00:57:24.760 screwed agree it agree, And you don't have a majority. 989 00:57:24.960 --> 00:57:30.039 So unless you have the other four siblings in harmony 990 00:57:30.679 --> 00:57:37.320 saying they screwed us, then you didn't, you're never gonna win. 991 00:57:38.679 --> 00:57:41.239 How much was this ten years worth of rent? 992 00:57:42.280 --> 00:57:43.719 About sixty thousand dollars? 993 00:57:44.039 --> 00:57:49.440 Okay, So are you proposing that you take sixty thousand dollars? Now, 994 00:57:49.480 --> 00:57:52.559 remember part of that sixty grand would have gone to 995 00:57:52.599 --> 00:57:57.079 them anyway. So you have six siblings and you have 996 00:57:57.280 --> 00:58:02.079 sixty thousand dollars at dispute. That means they would have 997 00:58:02.119 --> 00:58:04.639 gotten twenty of it anyway, right. 998 00:58:06.000 --> 00:58:07.440 Right right between the twos and yes. 999 00:58:07.679 --> 00:58:11.400 Yeah. So therefore, if they would have gotten twenty of 1000 00:58:11.440 --> 00:58:17.760 it anyway, you only have forty of it in dispute. Okay, 1001 00:58:18.280 --> 00:58:21.639 so there's forty thousand dollars in dispute right now. 1002 00:58:22.519 --> 00:58:24.559 But does everyone understand that? 1003 00:58:26.239 --> 00:58:28.719 I don't. I think the two that never wanted to 1004 00:58:28.760 --> 00:58:31.000 be involved with it at all, they don't understand that. 1005 00:58:31.440 --> 00:58:35.719 Then you're never going to get this resolved. My opinion, 1006 00:58:36.280 --> 00:58:39.599 my opinion, which is not a legal opinion, is divide 1007 00:58:39.679 --> 00:58:43.159 up the frickin money and walk away. 1008 00:58:43.440 --> 00:58:46.039 Well, we have actually were. We were ordered by the 1009 00:58:46.119 --> 00:58:47.880 judge because we went to the hold on. 1010 00:58:47.920 --> 00:58:49.840 I got to take this break. We got more coming up. 1011 00:58:56.480 --> 00:58:59.679 Go with a sure thing Denver's Best roofer Excel Roofing 1012 00:58:59.760 --> 00:59:06.079 dot You don't pay a cent until you're content. Time 1013 00:59:06.119 --> 00:59:09.039 for an insurance check up free, no obligation. In comparison, 1014 00:59:09.159 --> 00:59:12.679 call Compass Insurance paying too much your coverage at dozens 1015 00:59:12.719 --> 00:59:15.480 of insurance companies find out now three oh three seven 1016 00:59:15.559 --> 00:59:18.360 seven to one help. You'll think you're his only customer 1017 00:59:18.400 --> 00:59:20.679 when you choose Frank durand the real estate Man dot 1018 00:59:20.679 --> 00:59:24.039 com to list your home with Remax Alliance three oh 1019 00:59:24.039 --> 00:59:28.079 three nine two zero sixteen twenty two. Hi Tom Martino 1020 00:59:28.159 --> 00:59:31.679 here three oh three seven one three talk seven one 1021 00:59:31.719 --> 00:59:35.679 three eight two five five. Uh, day's got a comment 1022 00:59:35.719 --> 00:59:38.320 on the mortgage and titles and all of that. Go ahead, Jay, 1023 00:59:38.440 --> 00:59:39.400 what is your comment? 1024 00:59:40.400 --> 00:59:42.639 Hey Tom? It's more of a question to stuffing that 1025 00:59:42.719 --> 00:59:46.599 crossed my mind, as things often do. If say, an 1026 00:59:46.639 --> 00:59:49.679 older person has a house and they do a quick 1027 00:59:49.760 --> 00:59:52.599 client or put someone else on the deed, does that 1028 00:59:52.760 --> 00:59:54.519 mean they're not ever going to be able to do 1029 00:59:55.000 --> 00:59:57.880 if they're a person's junker, especially, are they're never going 1030 00:59:57.920 --> 00:59:59.679 to be able to do her reverse mortgage? 1031 01:00:00.360 --> 01:00:02.639 Oh? No, you will never. You will never do a 1032 01:00:02.679 --> 01:00:06.679 reverse loan with two people on title unless both people 1033 01:00:06.800 --> 01:00:09.760 qualify for the reverse loan and both people live. 1034 01:00:09.840 --> 01:00:13.599 There another reason not to do stuff like that. 1035 01:00:13.599 --> 01:00:17.360 That's right, both people must live in the house and 1036 01:00:17.480 --> 01:00:20.920 beyond title, you cannot have a reverse loan with an 1037 01:00:20.920 --> 01:00:26.719 absentee owner. I kind of thought so, but there, listen, 1038 01:00:26.800 --> 01:00:29.239 the worst thing in the world, any the worst thing 1039 01:00:29.280 --> 01:00:32.519 in the world anyone can do is put someone on 1040 01:00:32.639 --> 01:00:36.199 their title for no reason. That means okay, what is 1041 01:00:36.239 --> 01:00:39.920 no reason meaning no compensation, no money, No, And it 1042 01:00:39.920 --> 01:00:43.000 shouldn't be done ever for an estate plan Ever, it 1043 01:00:43.079 --> 01:00:46.079 is the worst estate planning you can do is put 1044 01:00:46.119 --> 01:00:50.000 someone on. Dan McKenzie told me that's one of the 1045 01:00:50.000 --> 01:00:52.679 most common mistakes he finds when people come to him. 1046 01:00:52.920 --> 01:00:55.119 Dan is a great guy, by the way, McKenzie law 1047 01:00:55.480 --> 01:00:58.280 and Dan said, when people come to me and they 1048 01:00:58.320 --> 01:01:00.559 already put them they put their kids on the on 1049 01:01:00.639 --> 01:01:03.960 the house. They've already screwed themselves out of tons of 1050 01:01:04.039 --> 01:01:07.320 tax benefits, and they think they're doing something smart with 1051 01:01:07.360 --> 01:01:10.280 the quick claim deed because some jerk told them to 1052 01:01:10.280 --> 01:01:13.320 do it and they're trying to practice law. You should 1053 01:01:13.400 --> 01:01:15.719 never transfer your house to anyone to put anyone on 1054 01:01:15.760 --> 01:01:18.880 the deed for any reason whatsoever. That's that's that's the 1055 01:01:18.920 --> 01:01:23.559 real deal. Never ever, there's never a good reason. And 1056 01:01:23.559 --> 01:01:26.039 and so that's the long and short of it. Thanks 1057 01:01:26.079 --> 01:01:28.599 for bringing that up. By the way, if you ever 1058 01:01:28.639 --> 01:01:30.320 want to get a hold of McKenzie and ask him 1059 01:01:30.320 --> 01:01:33.000 these questions. Eight three to three c plans. He's a 1060 01:01:33.079 --> 01:01:36.840 local guy. He does Will's beneficiaries, deeds, trusts, all of that. 1061 01:01:37.559 --> 01:01:42.679 Eight three three C plans. Now, David, welcome to the show. 1062 01:01:42.760 --> 01:01:51.039 What is your suggestion, Yes, sir, what's happening? David? 1063 01:01:51.719 --> 01:01:54.280 Hey, we we go to Florista and Kirple Creek and 1064 01:01:54.280 --> 01:01:57.639 we can't hear you. I want you to get XN radio. 1065 01:01:58.280 --> 01:02:00.280 Okay, so you can't hear me over there? 1066 01:02:01.360 --> 01:02:04.639 Now you know what Mark looked into way wait, we 1067 01:02:04.679 --> 01:02:08.079 looked into XM one time. I forget what happened. I 1068 01:02:08.119 --> 01:02:10.840 think there's that is a distinct possibility. By the way, 1069 01:02:12.039 --> 01:02:15.679 do you how many people though in Is XM a 1070 01:02:15.679 --> 01:02:17.119 big deal right now? In cars? 1071 01:02:19.199 --> 01:02:19.639 I don't know. 1072 01:02:20.079 --> 01:02:23.280 Maybe because you half the time can't get radio stations. 1073 01:02:23.440 --> 01:02:26.840 I love XM radio. I mean I love the reception, 1074 01:02:27.000 --> 01:02:28.159 the quality and all of that. 1075 01:02:30.000 --> 01:02:32.800 And yeah, I was halfway, you know, even to Woodland. 1076 01:02:33.960 --> 01:02:35.000 We lose you in Woodland. 1077 01:02:35.119 --> 01:02:37.079 That's too bad. That's too bad. We need to look 1078 01:02:37.119 --> 01:02:37.440 into that. 1079 01:02:37.719 --> 01:02:39.719 We work for a couple of property managements, so we 1080 01:02:39.719 --> 01:02:41.400 go up here all the time and we just can't 1081 01:02:41.480 --> 01:02:44.239 we can't hear you. I've sup phone and then I 1082 01:02:44.280 --> 01:02:46.199 tacked into the radio. But then after a minute. 1083 01:02:46.280 --> 01:02:49.159 Yeah, even so you work for property management. Let me 1084 01:02:49.199 --> 01:02:51.480 ask you this, what would you do if a gang 1085 01:02:51.519 --> 01:02:53.360 took over one of the apartment houses? 1086 01:02:54.760 --> 01:02:55.119 Uh? 1087 01:02:55.199 --> 01:02:57.079 You want my honest opinion, I. 1088 01:02:57.199 --> 01:02:59.400 Honest to god, do I know you guys have to 1089 01:02:59.519 --> 01:03:00.679 had to discuss it. 1090 01:03:01.920 --> 01:03:02.960 Yeah, shut it on. 1091 01:03:02.920 --> 01:03:04.000 File with all of them in it. 1092 01:03:04.400 --> 01:03:06.880 Oh no, you wouldn't come on man, But listen, it's 1093 01:03:06.960 --> 01:03:12.159 a terrible situation. So yeah, yeah, well anyway, thank you 1094 01:03:12.239 --> 01:03:15.159 for He's just kidding. 1095 01:03:15.159 --> 01:03:16.519 Folks. 1096 01:03:15.760 --> 01:03:19.039 Don't get any idea. Listen. I don't know what's going 1097 01:03:19.079 --> 01:03:21.079 on with ice. I don't know what's going on with police. 1098 01:03:21.360 --> 01:03:24.320 But this this has got to stop, and you know, 1099 01:03:24.840 --> 01:03:29.400 really and truly it's got to stop. All of this 1100 01:03:29.559 --> 01:03:32.559 lawlessness around the country has to stop. Hey, Tom, did. 1101 01:03:32.519 --> 01:03:35.159 Kelly tell you that there was a big article in 1102 01:03:35.159 --> 01:03:38.079 a New York Post about this, but nothing in our 1103 01:03:38.159 --> 01:03:38.960 local papers. 1104 01:03:39.239 --> 01:03:42.039 Oh, local papers won't do it because they're all Democrats 1105 01:03:42.119 --> 01:03:44.960 and owned in stocked. Neither will our local media. But 1106 01:03:45.000 --> 01:03:49.760 then new yonk posted, Yeah, of course. I mean, like 1107 01:03:49.840 --> 01:03:53.840 I said, Channel nine ought to just be the DNC headquarters. 1108 01:03:54.320 --> 01:03:58.760 I mean, or at least the Colorado Democrat headquarters. It's 1109 01:03:58.880 --> 01:04:02.599 it's so blatanly obvious. I when I was in I 1110 01:04:02.679 --> 01:04:04.719 swear to God, when I was in television news, we 1111 01:04:04.719 --> 01:04:08.960 would get in so much trouble, so much trouble for 1112 01:04:09.039 --> 01:04:13.559 being so biased. I remember that. I mean, I remember 1113 01:04:14.039 --> 01:04:17.000 being called into the office if you did a story 1114 01:04:17.239 --> 01:04:19.440 that was the least bit biased. Now I'm not talking 1115 01:04:19.440 --> 01:04:22.360 about my consumer stuff. I was allowed to make recommendations 1116 01:04:22.960 --> 01:04:25.280 and call down fire on people who were ripping and 1117 01:04:25.480 --> 01:04:26.920 people off and all that. I'm not talking about that. 1118 01:04:26.960 --> 01:04:30.320 I'm talking about news stories. I was never really news, 1119 01:04:30.719 --> 01:04:35.360 But in news Man you could not ever show biased 1120 01:04:36.119 --> 01:04:38.039 or leave out facts that. 1121 01:04:38.000 --> 01:04:39.519 Would favor one over another. 1122 01:04:41.199 --> 01:04:44.960 And that's how I was brought up three O three 1123 01:04:45.119 --> 01:04:47.920 seven one three eight two five five. We got more 1124 01:04:47.960 --> 01:04:56.559 coming up on the Troubleshooter Show. Go with a sure 1125 01:04:56.639 --> 01:05:00.400 thing Denver's best roofer Excel Roofing dot com. Pay a 1126 01:05:00.480 --> 01:05:06.400 cent until you're content, Wait time for an insurance check 1127 01:05:06.480 --> 01:05:10.360 up free, no obligation. In comparison, call Compass Insurance paying 1128 01:05:10.360 --> 01:05:13.400 too much your coverage at dozens of insurance companies find 1129 01:05:13.440 --> 01:05:15.800 out now three all three seven seven to one. Help 1130 01:05:15.960 --> 01:05:18.559 You'll think you're his only customer when you choose Frank 1131 01:05:18.639 --> 01:05:21.079 durand the real estate Man dot com to list your 1132 01:05:21.119 --> 01:05:24.239 home with Remax Alliance three all three nine two zero 1133 01:05:24.400 --> 01:05:31.320 sixteen twenty two. Hi, Tom Martino, your trouble insurance. Your 1134 01:05:31.519 --> 01:05:35.199 trouble insurance is gonna say trouble insurance. I am your 1135 01:05:35.199 --> 01:05:37.559 trouble insurance, your trouble free insurance. 1136 01:05:38.199 --> 01:05:39.920 Listen to the show and save trouble. 1137 01:05:40.760 --> 01:05:44.519 Okay, three all three, seven, one, three eight, two five five. 1138 01:05:44.599 --> 01:05:48.719 I want to go back to some calls. We have 1139 01:05:48.800 --> 01:05:51.960 Dominique on the phone. Go ahead, Dominique, what's happening. 1140 01:05:54.039 --> 01:05:54.239 Hi? 1141 01:05:55.000 --> 01:05:59.199 So I got into a car accident last month, and 1142 01:06:01.199 --> 01:06:04.000 I've been reading for about a month and a half. 1143 01:06:04.079 --> 01:06:07.320 Almost now she's get an answer about what the insurance 1144 01:06:07.320 --> 01:06:09.119 is going to do. I had to go through. 1145 01:06:09.360 --> 01:06:13.000 Explain the accidents. Explain the accident first. What happened? 1146 01:06:13.639 --> 01:06:17.760 So I was making a left hand turn on my 1147 01:06:17.800 --> 01:06:22.039 way to work and this car decided. So I had 1148 01:06:22.079 --> 01:06:25.079 a left green arrow, and the arrow had just turned 1149 01:06:25.159 --> 01:06:27.880 yellow as I was going underneath it like it was 1150 01:06:27.960 --> 01:06:28.639 green as I was. 1151 01:06:29.079 --> 01:06:31.960 I know, I understand, I understand. You know what you're 1152 01:06:32.000 --> 01:06:34.320 gonna be. I'm gonna surprise you when I tell you this. 1153 01:06:34.760 --> 01:06:38.440 It wouldn't have mattered if it was turning yellow or 1154 01:06:38.519 --> 01:06:39.840 if it had just turned red. 1155 01:06:40.039 --> 01:06:41.960 But go ahead. And there's a reason for that, But 1156 01:06:42.119 --> 01:06:44.119 go ahead, Okay. 1157 01:06:44.159 --> 01:06:47.000 Well, I had literally I was already pretty much done 1158 01:06:47.000 --> 01:06:49.719 with my turn I was already in the lane that 1159 01:06:49.760 --> 01:06:51.280 I was turning into, like. 1160 01:06:51.639 --> 01:06:55.679 Passing the cross, okay, okay, and this car. 1161 01:06:55.719 --> 01:06:59.239 Decided to run the red light and snack directly into 1162 01:06:59.239 --> 01:07:05.159 my back tie okay, like he was like right when 1163 01:07:05.199 --> 01:07:07.280 I was already through the light. He tried to speed 1164 01:07:07.360 --> 01:07:08.480 up to get through. 1165 01:07:08.599 --> 01:07:10.800 So your right rear was hit? Got it? 1166 01:07:12.239 --> 01:07:12.440 Yes? 1167 01:07:12.920 --> 01:07:13.320 All right? 1168 01:07:13.360 --> 01:07:17.400 And I filed the claim. 1169 01:07:17.280 --> 01:07:21.119 You know, because you filed the claim. Where for my instant? 1170 01:07:21.519 --> 01:07:22.639 Did you? 1171 01:07:21.920 --> 01:07:23.360 First of all? 1172 01:07:23.480 --> 01:07:25.840 First of all, the other driver is supposed to file 1173 01:07:25.880 --> 01:07:27.960 that claim? Or was it whose fault? 1174 01:07:28.119 --> 01:07:30.320 Was it it was his fault? 1175 01:07:30.559 --> 01:07:31.599 Did he get a ticket? 1176 01:07:33.239 --> 01:07:33.320 No? 1177 01:07:34.599 --> 01:07:36.800 Then who says it's his fault? 1178 01:07:39.280 --> 01:07:41.599 Well, I mean he's the one that ram the red light? 1179 01:07:42.599 --> 01:07:45.000 But who says it was his fault? Is there any proof? 1180 01:07:45.159 --> 01:07:49.280 What if he says no, it's not, Well he. 1181 01:07:49.159 --> 01:07:52.840 Hasn't been answering the phone for them, for who's them? 1182 01:07:53.119 --> 01:07:55.639 So they don't even for his insurance. 1183 01:07:56.519 --> 01:07:59.760 Okay. See here's the problem with this. There was no 1184 01:07:59.760 --> 01:08:01.079 place polase report? Is that right? 1185 01:08:02.519 --> 01:08:03.599 Yeah? 1186 01:08:03.639 --> 01:08:06.639 And there's not even a record of the accident. I'm 1187 01:08:06.639 --> 01:08:10.480 gonna give you bad news first, Dominique. If he simply 1188 01:08:10.519 --> 01:08:13.920 refuses to cooperate with his insurance company, they will turn 1189 01:08:13.960 --> 01:08:24.439 down your claim. Now, I do have a way that 1190 01:08:24.479 --> 01:08:28.640 you should handle this, so not all hope is lost. 1191 01:08:28.800 --> 01:08:31.960 But you got to listen to me carefully and I'll 1192 01:08:32.000 --> 01:08:34.960 go through the steps. Okay, So hang on, I'm Tom 1193 01:08:35.000 --> 01:08:38.880 Martino three zero three seven to one three talk. Let's 1194 01:08:38.920 --> 01:08:40.680 see if we can help her out of this jam. 1195 01:08:41.159 --> 01:08:44.760 We have redrocksars dot com, redrocksroof and solar with us. 1196 01:08:44.760 --> 01:08:47.479 We'll talk a little more about solar and remember saving 1197 01:08:47.600 --> 01:08:50.800 ten percent on your electric film no matter who you are, 1198 01:08:50.840 --> 01:08:55.399 without solar even being installed, go with a sure thing 1199 01:08:55.520 --> 01:08:58.840 Denver's best roofer Excel Roofing dot com. You don't pay 1200 01:08:58.840 --> 01:09:04.960 a cent until your tenth time for an insurance check 1201 01:09:05.039 --> 01:09:08.920 up free no obligation. In comparison, call Compass Insurance paying 1202 01:09:08.920 --> 01:09:11.960 too much your coverage at dozens of insurance companies find 1203 01:09:12.000 --> 01:09:14.720 out now three all three seven seven one help. You'll 1204 01:09:14.760 --> 01:09:17.520 think you're his only customer when you choose Frank durand 1205 01:09:17.520 --> 01:09:19.960 the real estate Man dot com to list your home 1206 01:09:20.159 --> 01:09:23.319 with Remax Alliance three oh three nine two zero sixteen 1207 01:09:23.399 --> 01:09:23.920 twenty two. 1208 01:09:25.000 --> 01:09:35.079 Yeah, ripped of news need so you don't have. 1209 01:09:37.239 --> 01:09:42.239 Come run anxiousness as we can. Shooter's gonna help. 1210 01:09:42.520 --> 01:09:50.359 Come man, This is the Troubleshooter Show. No Tom Martino, Hi. 1211 01:09:50.399 --> 01:09:54.159 Tom Martino, Your Troubleshooter three oh three seven one three 1212 01:09:54.199 --> 01:09:57.199 talk seven one three A two five five. Welcome to 1213 01:09:57.239 --> 01:09:59.079 the only show of it's kind anywhere in the universe 1214 01:09:59.079 --> 01:10:03.920 where we are solving problems, answering questions, and taking complaints, oh, 1215 01:10:04.079 --> 01:10:06.600 recovering hundreds of millions of dollars for people. One Clear 1216 01:10:06.680 --> 01:10:09.680 Choice Garage Doors, Man, Do I love them? I use them, 1217 01:10:09.880 --> 01:10:12.800 I've used them. They do garage door openers, and they 1218 01:10:12.840 --> 01:10:15.319 do garage doors, and they're one of the few factory 1219 01:10:15.319 --> 01:10:17.720 authorized places for garage doors. A lot of people fix 1220 01:10:17.800 --> 01:10:19.560 garage doors but don't have a clue what they're doing. 1221 01:10:20.000 --> 01:10:22.840 And also they do openers of all kinds. I have 1222 01:10:22.840 --> 01:10:25.680 the sidewinders, now, do you know what they aren't? They're 1223 01:10:25.680 --> 01:10:27.399 the ones on the side, so you don't have all 1224 01:10:27.439 --> 01:10:31.159 that clutter above. It's much cleaner. It's really nice. One 1225 01:10:31.239 --> 01:10:35.279 Clear Choice Doors dot Com. If you go to that site, 1226 01:10:35.279 --> 01:10:38.920 all the prices are there. Seven to zero three seven 1227 01:10:39.039 --> 01:10:44.319 zero thirty nine eighty seven. Hey, Dominique was making a 1228 01:10:44.399 --> 01:10:48.920 left turn and a car hitter. The car was going 1229 01:10:48.960 --> 01:10:52.640 through a red light. Dominique said her green arrow was 1230 01:10:52.680 --> 01:10:56.319 just turning yellow. Since there are no witnesses or police reports, 1231 01:10:56.920 --> 01:11:00.239 it's really her word. So she tried putting in claim 1232 01:11:00.279 --> 01:11:03.239 with the other insurance company. Now, why did you put 1233 01:11:03.279 --> 01:11:05.479 an acclaim with the other insurance company? He gave you 1234 01:11:05.600 --> 01:11:07.760 all of his information, is that right, Dominique? 1235 01:11:09.000 --> 01:11:12.800 Yeah, I only have liability for my insurance. My dad 1236 01:11:12.840 --> 01:11:14.800 set it up for me a while ago, so I 1237 01:11:14.840 --> 01:11:16.000 wasn't completely sure. 1238 01:11:16.319 --> 01:11:18.279 Like what year is your car, Dominique? 1239 01:11:18.279 --> 01:11:18.920 Oh? 1240 01:11:18.960 --> 01:11:19.840 What year is your car? 1241 01:11:20.199 --> 01:11:21.319 In? Two thousand and seven? 1242 01:11:21.760 --> 01:11:24.319 Okay, so yeah a lot of people do that. They 1243 01:11:24.319 --> 01:11:27.840 don't carry collision on older cars. But I want to 1244 01:11:27.840 --> 01:11:31.840 ask you something on this accident. Did they did he 1245 01:11:31.960 --> 01:11:33.520 stop and give you information? 1246 01:11:34.880 --> 01:11:35.239 Yes? 1247 01:11:35.600 --> 01:11:38.239 Okay, that's how you called his insurance? 1248 01:11:39.439 --> 01:11:40.119 Yeah? 1249 01:11:40.159 --> 01:11:42.800 And did he say, oh, I'm sorry it was my fault? 1250 01:11:44.920 --> 01:11:45.079 No? 1251 01:11:45.399 --> 01:11:48.439 He was more he didn't really speak English, so like 1252 01:11:48.479 --> 01:11:50.399 it was kind of hard to just get any type 1253 01:11:50.439 --> 01:11:54.239 of information from him. He was all like, uh, what happened? 1254 01:11:54.359 --> 01:11:56.439 Like why'd you slow down? And I was like I 1255 01:11:56.760 --> 01:11:58.439 didn't like he was typing it, and I was like 1256 01:11:58.520 --> 01:12:01.319 I didn't slow down. I was turning. You ran a 1257 01:12:01.359 --> 01:12:01.840 red light? 1258 01:12:02.399 --> 01:12:03.319 Why did you do that? 1259 01:12:03.960 --> 01:12:06.000 And he was like, well, let me get your insurance. 1260 01:12:06.159 --> 01:12:09.560 So there's no one to say. There's no one, there's 1261 01:12:09.720 --> 01:12:12.960 no one to say whose fault is. 1262 01:12:12.960 --> 01:12:15.159 There is an older lady at the bus stop, but 1263 01:12:15.319 --> 01:12:19.039 she also only spoke Spanish, and she was getting very 1264 01:12:19.079 --> 01:12:21.199 mad that I had to pull over by the bus 1265 01:12:21.199 --> 01:12:22.760 stop to get it all figured out. 1266 01:12:23.640 --> 01:12:28.239 Yeah, you're not gonna In other words, this person isn't 1267 01:12:28.359 --> 01:12:33.359 This person is not going to admit fault. It seems 1268 01:12:33.399 --> 01:12:36.439 like it, and it could be either your fault or 1269 01:12:36.479 --> 01:12:39.520 his fault, depends with the way the cars hit. He 1270 01:12:39.520 --> 01:12:42.720 could say you turned in front of him. I mean, 1271 01:12:42.720 --> 01:12:45.279 there's no record of this that. You don't have tape, 1272 01:12:45.279 --> 01:12:50.439 you don't have video, you have nothing. So I don't 1273 01:12:50.520 --> 01:12:55.359 see this guy. Unless this guy admits it and turns 1274 01:12:55.399 --> 01:12:58.720 it into his insurance. His insurance will not cover you. 1275 01:12:59.079 --> 01:13:00.880 Have you already gotten rejection letter? 1276 01:13:02.680 --> 01:13:02.760 No? 1277 01:13:03.000 --> 01:13:06.079 Not yet, you will. Who's the insurance company? 1278 01:13:07.640 --> 01:13:08.800 Fred Loyer? 1279 01:13:09.840 --> 01:13:15.800 That's how My god, that's even worse. Fred fred Loya 1280 01:13:16.199 --> 01:13:16.760 doesn't pay. 1281 01:13:16.720 --> 01:13:21.119 Even Jack also got hurt during that accident, and I 1282 01:13:21.159 --> 01:13:24.720 have tried to call the body the bodily injury claims 1283 01:13:25.279 --> 01:13:28.560 for hint like for back company as well. Dominique's not 1284 01:13:28.720 --> 01:13:30.479 been answering anything, Dominique. 1285 01:13:30.680 --> 01:13:35.119 They're not going to pay. Yeah, it's not proven, it's 1286 01:13:35.159 --> 01:13:39.279 his fault. I wouldn't pay either. But Dominique, do you 1287 01:13:39.560 --> 01:13:43.720 have on your insurance something called medpay? 1288 01:13:46.720 --> 01:13:46.880 No? 1289 01:13:47.800 --> 01:13:49.960 Well you should. It would cost you five or ten 1290 01:13:50.039 --> 01:13:55.199 dollars a year or a month. I'm telling you that 1291 01:13:55.199 --> 01:13:59.960 that medpay would have paid for your injuries, no matter 1292 01:14:00.039 --> 01:14:00.960 whose fault it was. 1293 01:14:04.199 --> 01:14:07.159 So you're sure you don't have medical payments? 1294 01:14:08.960 --> 01:14:09.680 Yeah? 1295 01:14:09.720 --> 01:14:10.560 How do you know that? 1296 01:14:12.600 --> 01:14:15.000 Because it was something that my insurance have told me 1297 01:14:15.000 --> 01:14:15.920 when I spoke to them. 1298 01:14:17.000 --> 01:14:20.720 You in order not in Colorado, this is a weird thing. 1299 01:14:20.760 --> 01:14:25.159 In order not to have medical payments, you actually have 1300 01:14:25.199 --> 01:14:31.520 to turn it down by initially it. Ask your insurance company. 1301 01:14:31.600 --> 01:14:35.000 Dad set it up through the general. I know that's 1302 01:14:35.000 --> 01:14:35.399 what we have. 1303 01:14:35.560 --> 01:14:36.239 It's the General. 1304 01:14:38.239 --> 01:14:44.439 Oh God, Dominique. The only thing you can how much 1305 01:14:44.520 --> 01:14:47.000 damage you have in your car? 1306 01:14:47.840 --> 01:14:50.159 I can't drive it. I haven't been able to drive 1307 01:14:50.199 --> 01:14:52.079 it for this whole time. 1308 01:14:52.520 --> 01:14:53.800 Do you know how much you cost? 1309 01:14:53.880 --> 01:14:59.439 A fire is smashed in at least three thousand, three 1310 01:14:59.520 --> 01:15:03.560 thousand to get my tire, replace, my breaks replaced, my actual. 1311 01:15:03.319 --> 01:15:09.119 Routrice, Dominique, if you got this guy's name and address, 1312 01:15:09.199 --> 01:15:11.399 you can serve him and go to small claims court 1313 01:15:12.840 --> 01:15:16.119 see whether you could get it now. Then it would 1314 01:15:16.119 --> 01:15:18.279 be up to him to put it into his insurance. 1315 01:15:19.079 --> 01:15:22.560 But he's the one responsible to you, not his insurance company. 1316 01:15:23.439 --> 01:15:23.600 You. 1317 01:15:23.680 --> 01:15:25.720 But I'm going to warn you if you go to 1318 01:15:25.760 --> 01:15:29.479 small claims court with this guy, he's going to deny 1319 01:15:29.520 --> 01:15:31.439 it and then you're gonna have to argue in front 1320 01:15:31.439 --> 01:15:35.680 of a judge. I mean, it's very likely you don't 1321 01:15:35.800 --> 01:15:40.920 have enough information to get your money. You could lose 1322 01:15:40.920 --> 01:15:49.119 in small claims court for lack of evidence. Yeah, so you. 1323 01:15:48.960 --> 01:15:54.520 Can try small claim that we were turning at had cameras. 1324 01:15:54.680 --> 01:15:57.359 Would that see something I could manely try to get. 1325 01:15:57.239 --> 01:16:02.199 Access to maybe maybe, Dominique, hold on, let's get our 1326 01:16:02.279 --> 01:16:05.800 expert on, our auto accident attorney. 1327 01:16:06.000 --> 01:16:07.960 Okay, so you hang on and we'll try to get 1328 01:16:08.000 --> 01:16:09.119 them on and talk about it. 1329 01:16:10.079 --> 01:16:10.319 All right. 1330 01:16:10.359 --> 01:16:14.560 It's three oh three seven one three talk three oh 1331 01:16:14.600 --> 01:16:19.319 three seven one three A two five five. Hey Tom, Yes, sir. 1332 01:16:19.239 --> 01:16:22.880 This is why I listened to John fuller and when 1333 01:16:22.920 --> 01:16:24.960 out' and got a dash cam for one hundred and 1334 01:16:24.960 --> 01:16:29.840 fifty bucks. You have permanent protection for stuff like this. 1335 01:16:30.880 --> 01:16:33.359 It is such a smart thing to do, and I'm 1336 01:16:33.359 --> 01:16:36.000 sorry I didn't do it sooner, but it's so cheap 1337 01:16:36.039 --> 01:16:39.119 to get one that would have solved this problem immediately. 1338 01:16:39.880 --> 01:16:41.720 Okay, now. 1339 01:16:44.039 --> 01:16:46.439 Here's uh, here's something I want to talk about. 1340 01:16:46.560 --> 01:16:51.800 I'm getting texted on why they asked do I not 1341 01:16:51.960 --> 01:16:55.199 like quit claim deeds? What I'm saying here is a 1342 01:16:55.279 --> 01:16:58.760 quit claim deed is the weakest form of ownership. It 1343 01:16:58.880 --> 01:17:02.920 only quit claim what interest you have in something to 1344 01:17:03.000 --> 01:17:07.199 someone else, or what the interest someone else has they 1345 01:17:07.600 --> 01:17:11.000 quit claim to you. There is no guarantee of ownership 1346 01:17:11.159 --> 01:17:14.000 or that is even valid. I can quit claim right 1347 01:17:14.000 --> 01:17:17.680 now the Empire State Building to anyone, because what I'm 1348 01:17:17.720 --> 01:17:20.720 saying is I'm quitting my claim to this property and 1349 01:17:20.840 --> 01:17:21.920 transferring it to you. 1350 01:17:23.960 --> 01:17:27.479 Now this one guy texts the means. 1351 01:17:27.359 --> 01:17:32.840 Or one woman whoever said, Tom, what about using a 1352 01:17:32.920 --> 01:17:35.960 quit claim to drop an ex spouse and add a 1353 01:17:36.000 --> 01:17:39.399 new one. Yes, you can do that. You can do 1354 01:17:39.479 --> 01:17:44.640 that all day long. You can say I want to 1355 01:17:44.680 --> 01:17:47.960 do this if all parties know each other and agree 1356 01:17:48.560 --> 01:17:50.600 you can use a quit claim deed to drop someone 1357 01:17:50.640 --> 01:17:56.640 and add someone else until it's disputed. If it's ever disputed, 1358 01:17:56.680 --> 01:18:01.800 that ex spouse says, wait a minute. 1359 01:18:01.239 --> 01:18:03.359 I didn't agree to this. You're screwed. 1360 01:18:04.319 --> 01:18:08.960 Without any kind of outside evidence, A general warranty deed 1361 01:18:09.119 --> 01:18:13.720 is much stronger. A quit claim can be done if 1362 01:18:13.800 --> 01:18:18.119 other documentation verifies it, like a divorce decree and her 1363 01:18:18.159 --> 01:18:23.119 agreement or his agreement. If that house suddenly was purchased 1364 01:18:24.279 --> 01:18:27.159 by a land developer and you got way more money 1365 01:18:27.159 --> 01:18:31.239 than you thought, or something happened oil was discovered under it. 1366 01:18:31.720 --> 01:18:34.960 I'm just telling you a quit claim deed is your 1367 01:18:35.520 --> 01:18:42.560 weakest form of transfer. It can be challenged easily. So 1368 01:18:42.760 --> 01:18:46.039 just because you've done it before doesn't mean it's great. 1369 01:18:47.800 --> 01:18:55.720 It also doesn't mean it's automatically bad. Now what about this, Tom, 1370 01:18:55.760 --> 01:19:00.840 If heat insurance info to Dominique, isn't. 1371 01:19:00.560 --> 01:19:01.720 That admission of guilt? 1372 01:19:03.039 --> 01:19:03.199 Now? 1373 01:19:03.359 --> 01:19:07.800 I don't think so. He can say we exchanged information 1374 01:19:08.479 --> 01:19:11.439 at the scene, I mean. 1375 01:19:12.119 --> 01:19:14.079 Or he can just simply say I didn't give it 1376 01:19:14.079 --> 01:19:14.319 to her. 1377 01:19:14.319 --> 01:19:16.279 I don't know how she got it. I mean. People, 1378 01:19:16.359 --> 01:19:19.279 you take too much for granted when it comes to 1379 01:19:19.880 --> 01:19:23.359 proving who's at fault, So thank you for texting me. 1380 01:19:23.399 --> 01:19:26.600 By the way, people are texting me at this number, 1381 01:19:26.640 --> 01:19:29.920 this is my personal Google number that literally comes to 1382 01:19:30.000 --> 01:19:35.560 my cell phone. I mean that you can literally text 1383 01:19:35.600 --> 01:19:39.680 me anytime seven four seven nine nine nine fifty two 1384 01:19:39.720 --> 01:19:43.800 eighty seven four seven nine nine nine fifty two eighty 1385 01:19:44.199 --> 01:19:46.520 I promise you I'll get it. You can also leave 1386 01:19:46.560 --> 01:19:50.119 me email excuse me voicemail at three oh three Martino 1387 01:19:50.720 --> 01:19:55.479 three oh three six two seven eight four six six more. 1388 01:19:55.560 --> 01:20:04.600 Right after this, go with a sure thing Denver's best 1389 01:20:04.680 --> 01:20:07.560 roofer Excel Roofing dot com. You don't pay a cent 1390 01:20:07.760 --> 01:20:13.880 until you're content. Time for an insurance check up free, 1391 01:20:13.920 --> 01:20:17.640 no obligation. In comparison, call Compass Insurance paying too much 1392 01:20:17.760 --> 01:20:20.720 your coverage at dozens of insurance companies find out now 1393 01:20:20.800 --> 01:20:23.279 three all three seven seven to one help. You'll think 1394 01:20:23.319 --> 01:20:25.880 you're his only customer when you choose Frank durand the 1395 01:20:25.920 --> 01:20:28.560 real estate Man dot com to list your home with 1396 01:20:28.680 --> 01:20:32.199 Remax Alliance three all three nine two zero sixteen twenty two. 1397 01:20:34.920 --> 01:20:37.760 Hi Tom Martine, your troubleshooter three all three seven one 1398 01:20:37.840 --> 01:20:39.880 three talk seven one three A two five y five. 1399 01:20:40.479 --> 01:20:44.840 I want to bring up John Fuller Personal Injury co 1400 01:20:45.239 --> 01:20:47.640 dot Com. He's an attorney who does personal injury. Now, 1401 01:20:48.680 --> 01:20:51.359 this is not necessarily a person injury case, but it 1402 01:20:51.399 --> 01:20:54.239 is an accident case. She has no evidence whatsoever except 1403 01:20:54.720 --> 01:20:57.479 the guy stopped in. They exchanged information. She was making 1404 01:20:57.520 --> 01:20:59.840 a left turn. She claims he ran a red light 1405 01:21:00.079 --> 01:21:03.079 hit her. He's refusing to call this insurance company. So 1406 01:21:03.600 --> 01:21:07.079 his insurance company, who is Fred Layer, says we can't 1407 01:21:07.119 --> 01:21:09.600 cover it if he doesn't cooperate, and of course Fred 1408 01:21:09.640 --> 01:21:13.119 Loya sucks anyway, So Dominique is stuck here. 1409 01:21:13.560 --> 01:21:16.199 So I have a quick question for you, John Fuller. 1410 01:21:16.880 --> 01:21:22.479 First and foremost, can she get traffic camera footage from 1411 01:21:22.479 --> 01:21:24.520 any of those intersection cameras? 1412 01:21:25.520 --> 01:21:28.760 It depends on the intersection tom. Some of those cameras 1413 01:21:28.760 --> 01:21:32.439 are only for traffic control, and they're just they just 1414 01:21:32.680 --> 01:21:36.520 count cars. They don't actually keep film, and so those 1415 01:21:36.520 --> 01:21:40.039 wouldn't be of any assistance. If it's actually a camera, 1416 01:21:40.760 --> 01:21:43.479 and it's a c DOT camera, sometimes it's tough to 1417 01:21:43.520 --> 01:21:46.479 figure out who owns it. But if it's actually a camera, 1418 01:21:46.560 --> 01:21:49.680 then yeah, we've been able to get copies of that 1419 01:21:49.720 --> 01:21:57.000 film sometimes. Yeah, Okay, then identification of the guy. 1420 01:21:56.039 --> 01:21:59.760 Yeah, she has this information, his name and his insurance, 1421 01:22:00.119 --> 01:22:02.600 but they won't pay, and she has a hurt back. 1422 01:22:02.680 --> 01:22:07.680 Right now, what happens if you have someone and there's 1423 01:22:07.720 --> 01:22:11.079 no witnesses, no police report, and they're hurt and they 1424 01:22:11.079 --> 01:22:14.239 say it's someone else's fault. She says, she doesn't have medpay. 1425 01:22:14.880 --> 01:22:16.560 What happens in a case like that? 1426 01:22:17.680 --> 01:22:19.439 And did the police come to the scene. 1427 01:22:19.640 --> 01:22:20.840 Nope, none of that. 1428 01:22:21.079 --> 01:22:24.840 Oh well, it's a classic, he said, She said, I mean, 1429 01:22:26.199 --> 01:22:31.800 and unfortunately, you know, the ultimate decider effect would be 1430 01:22:31.840 --> 01:22:34.439 a jury. And if it's a strong enough case and 1431 01:22:34.520 --> 01:22:38.159 you you know, and if the damage is warranted, may 1432 01:22:38.199 --> 01:22:40.279 be a case that you have to take into litigation. 1433 01:22:40.920 --> 01:22:43.560 You know, the insurance company is absolutely right to deny 1434 01:22:43.640 --> 01:22:46.640 any sort of coverage when they're insured is not cooperating. 1435 01:22:46.720 --> 01:22:50.720 That is one of the clauses in all of their contracts. However, 1436 01:22:50.920 --> 01:22:54.439 the moment that that insured got sued, he would either 1437 01:22:54.479 --> 01:22:56.920 have to face the reality of defending the suit by 1438 01:22:57.000 --> 01:22:59.920 himself and being on the hook for any of the damages, 1439 01:23:00.239 --> 01:23:02.640 or he's eventually going to have to call his insurance 1440 01:23:02.640 --> 01:23:05.359 company and say, maybe I was in an accident. I 1441 01:23:05.439 --> 01:23:08.760 need you guys to defend me. So so that would 1442 01:23:08.800 --> 01:23:11.920 be the next step, now, you know, he said. She said, 1443 01:23:11.960 --> 01:23:16.720 cases are difficult. They are the worst cases in the world, 1444 01:23:16.760 --> 01:23:19.560 and you're dealing with two of the worst insurance companies 1445 01:23:20.079 --> 01:23:23.600 that you could possibly team up with. The General is 1446 01:23:23.640 --> 01:23:26.479 better than Fred Loyer by a long shot, but both 1447 01:23:26.520 --> 01:23:31.199 of them are you know, our higher risk. You know, 1448 01:23:31.520 --> 01:23:34.920 they cater to a higher risk cloud, so they tend 1449 01:23:34.920 --> 01:23:39.000 to only have your lowest amounts of coverage and you know, 1450 01:23:39.119 --> 01:23:43.720 and high deductibles and drivers that have less than sellar 1451 01:23:43.800 --> 01:23:45.000 driving records and stuff. 1452 01:23:45.079 --> 01:23:46.119 That's just what they do. 1453 01:23:48.159 --> 01:23:48.359 You know. 1454 01:23:48.479 --> 01:23:51.199 It's a tough it's a tough situation. Yeah, we have 1455 01:23:51.479 --> 01:23:54.399 been able to help people in that situation many times. 1456 01:23:54.720 --> 01:23:57.079 But it really just depends on the facts of the case, 1457 01:23:57.520 --> 01:24:00.600 whether you can find any witnesses or there's anything to 1458 01:24:00.680 --> 01:24:03.239 support your side of the version of events. 1459 01:24:03.720 --> 01:24:06.399 Dominique, how bad is your back? 1460 01:24:10.079 --> 01:24:15.960 So like whenever I try to like just like crack it, 1461 01:24:16.039 --> 01:24:18.560 like Sam's laying down and like roll over. You know, 1462 01:24:18.840 --> 01:24:22.680 check how anybody would crack their back laying down, it 1463 01:24:22.800 --> 01:24:25.600 feels like my sin is just like out of place. 1464 01:24:27.000 --> 01:24:29.680 I haven't gone to the doctors yet because I already 1465 01:24:29.720 --> 01:24:32.039 had a discussion with Medicaid, and they said that they 1466 01:24:32.039 --> 01:24:35.680 would say to cover everything, and I just don't have 1467 01:24:35.800 --> 01:24:38.680 that money to pay out of pocket, right, what do you. 1468 01:24:38.640 --> 01:24:40.960 Mean Medicaid said they couldn't cover it. 1469 01:24:42.479 --> 01:24:43.720 They wouldn't cover all of it. 1470 01:24:44.239 --> 01:24:45.439 What part wouldn't they cover? 1471 01:24:46.079 --> 01:24:49.560 Yeah, exactly, I would still have to pay I think. 1472 01:24:49.680 --> 01:24:52.960 She said twelve hundred out of pocket for what? 1473 01:24:53.279 --> 01:24:55.159 Twelve hundred for what? What kind of treatment? 1474 01:24:56.920 --> 01:24:59.439 Like if I got like if I had to do 1475 01:24:59.520 --> 01:25:02.600 multiple X rays of my back. She said that they 1476 01:25:02.640 --> 01:25:07.479 would only be able to cover a certain amount whatever that. 1477 01:25:07.840 --> 01:25:08.960 I never heard of that, John. 1478 01:25:09.840 --> 01:25:14.720 My experience is that Medicaid will cover you, you know, at 1479 01:25:14.800 --> 01:25:17.239 least if you go into er and stuff. And when 1480 01:25:17.279 --> 01:25:20.920 it comes to getting ongoing medical treatment or Medicaid is 1481 01:25:20.960 --> 01:25:24.560 more difficult because really what medicaid is. Therefore, it's a 1482 01:25:24.640 --> 01:25:28.920 hospital and stuff, and it's less so available for ongoing treatment. 1483 01:25:29.399 --> 01:25:31.640 But you shouldn't have to come out of pocket to 1484 01:25:31.640 --> 01:25:34.359 get medicaid to pay for an er visit to get 1485 01:25:34.399 --> 01:25:37.960 you checked out. When did this accident happen? How long ago? 1486 01:25:38.520 --> 01:25:43.960 Last month? Last month? Yeah, on July sixth week. 1487 01:25:44.760 --> 01:25:49.279 Okay, so you're already six weeks. So what you're already 1488 01:25:49.319 --> 01:25:53.920 six weeks into not getting treatment. So I mean, you listen, 1489 01:25:53.960 --> 01:25:56.399 the reality of it is that I have no doubt 1490 01:25:56.479 --> 01:26:00.000 that you're telling the truth and that you're you're probably injured. 1491 01:26:00.239 --> 01:26:04.359 But when you ignore injuries for six weeks, even the 1492 01:26:04.399 --> 01:26:07.479 best insurance company is going to say, we don't think 1493 01:26:07.520 --> 01:26:11.399 you're injured because you didn't seek medical care. And any 1494 01:26:11.439 --> 01:26:13.840 normal person, if they were truly injured, would it go 1495 01:26:13.920 --> 01:26:16.760 into the emergency room that day or the day after 1496 01:26:16.880 --> 01:26:20.800 and all yeah, and they're going to hold that against you. 1497 01:26:20.920 --> 01:26:24.279 And when you don't have any police report, you have 1498 01:26:24.439 --> 01:26:27.520 nothing to support your case, and you've got to delay 1499 01:26:27.560 --> 01:26:29.880 in treatment of over six weeks. And the best thing 1500 01:26:29.920 --> 01:26:32.399 that you can come up with is an excuse that 1501 01:26:32.479 --> 01:26:35.199 Medikaid told you that they wouldn't pay for everything, when 1502 01:26:35.640 --> 01:26:36.680 clearly they will. 1503 01:26:37.800 --> 01:26:39.439 I hate to get we got a problem. 1504 01:26:39.680 --> 01:26:43.600 Yeah, we have a problem that may be insurmountable in 1505 01:26:43.680 --> 01:26:44.279 your case. 1506 01:26:44.359 --> 01:26:48.840 And Dominique, really again, get med pay. Make sure you 1507 01:26:48.920 --> 01:26:50.439 get medpay on your insurance. 1508 01:26:50.640 --> 01:26:53.439 It's so cheap and it just covers without need. 1509 01:26:53.600 --> 01:26:56.960 And pretty much the reason they wouldn't cover everything is 1510 01:26:57.000 --> 01:27:02.399 because I have a specific amount. But for like them 1511 01:27:02.520 --> 01:27:05.319 coal vision and all of that other stuff, and that 1512 01:27:05.359 --> 01:27:06.520 would exceed the amount. 1513 01:27:07.279 --> 01:27:09.279 Oh, I've never heard of that with Medicaid for an 1514 01:27:09.319 --> 01:27:10.279 accident ever. 1515 01:27:10.239 --> 01:27:16.079 Health Medicane, Yeah, I have health or Yeah. 1516 01:27:16.319 --> 01:27:20.239 It's Denver Health Medicaid. Okay. Yeah, so that's a whole 1517 01:27:20.279 --> 01:27:22.640 different ball of Black's Tom And I don't know if 1518 01:27:22.640 --> 01:27:25.520 you've heard of it before, but it's a it's really 1519 01:27:25.560 --> 01:27:29.800 not medicaid. It's more of a Denver Health sponsored health 1520 01:27:29.840 --> 01:27:34.520 plan that is subsidized by Medicaid, and they have coverage 1521 01:27:34.560 --> 01:27:39.359 issues and stuff. So listen. I hate to say this 1522 01:27:39.439 --> 01:27:42.319 because it just doesn't do anything for you, but but 1523 01:27:42.439 --> 01:27:44.439 for all the rest of the listeners, this is a 1524 01:27:44.520 --> 01:27:48.079 prime example of why we need to spend that seven 1525 01:27:48.199 --> 01:27:51.079 or eight or ten bucks a month to have that 1526 01:27:51.199 --> 01:27:54.600 medical payments coverage so that if you have a copey 1527 01:27:54.720 --> 01:27:56.680 or a deductible and you've got to come out of 1528 01:27:56.720 --> 01:28:00.720 pocket following an accident, no matter who's at fault, you've 1529 01:28:00.720 --> 01:28:03.000 got that coverage and it's right there and you don't 1530 01:28:03.039 --> 01:28:05.600 have to ever pay it back. It's a beautiful thing. 1531 01:28:05.720 --> 01:28:08.159 It's super cheap, and this is why you have to 1532 01:28:08.199 --> 01:28:10.520 have it on your policy. I will tell you this. 1533 01:28:11.399 --> 01:28:13.479 Which one is your insurance company? Fred Loyer? 1534 01:28:13.640 --> 01:28:15.239 Yeah, no, No, hers is the General? 1535 01:28:16.039 --> 01:28:21.239 Okay, the General normally doesn't just mandatory wave the medpay. 1536 01:28:21.640 --> 01:28:24.640 Fred Layer, in my experience, has never issued a med 1537 01:28:24.720 --> 01:28:28.600 pay policy in Colorado that I've ever seen. They print 1538 01:28:28.680 --> 01:28:31.920 their contracts with the waiver in place. I think that's 1539 01:28:31.960 --> 01:28:35.560 absolutely illegal. But I've yet to see a Fred Loyer policy. 1540 01:28:35.560 --> 01:28:39.199 Who is medpaith? But it is a mandatory coverage and 1541 01:28:39.239 --> 01:28:43.000 the state requires that the insurance companies offer it. And 1542 01:28:43.560 --> 01:28:46.239 I don't care who your carrier is. You need to 1543 01:28:46.279 --> 01:28:49.640 tell your agent or the company themselves. And I want 1544 01:28:49.680 --> 01:28:53.399 that medpay on my policy. Put it on there, don't 1545 01:28:53.399 --> 01:28:56.119 wave it. Unwaive it if you ever did, and get 1546 01:28:56.119 --> 01:28:58.600 that coverage there in case something bad happens to you. 1547 01:28:59.079 --> 01:29:02.199 Okay, thank you. John Fuller Fuller Law three oh three 1548 01:29:02.560 --> 01:29:05.720 uh five nine seven forty five hundred is his number 1549 01:29:06.439 --> 01:29:08.760 if you ever need them. Personal Injury Coo dot com. 1550 01:29:08.800 --> 01:29:11.359 I I got more coming right up. Hang on the lines. 1551 01:29:11.399 --> 01:29:13.119 I will get to all of you right after this. 1552 01:29:18.359 --> 01:29:21.600 Go with a sure thing Denver's best roofer Excel roofing 1553 01:29:21.720 --> 01:29:24.359 dot com. You don't pay a cent until you're content. 1554 01:29:27.720 --> 01:29:30.920 Time for an insurance check up free no obligation comparison 1555 01:29:31.039 --> 01:29:34.600 call Compass Insurance paying too much your coverage at dozens 1556 01:29:34.640 --> 01:29:37.359 of insurance companies find out now three oh three seven 1557 01:29:37.439 --> 01:29:40.279 seven to one help. You'll think you're his only customer 1558 01:29:40.319 --> 01:29:42.560 when you choose Frank durand the real estate man dot 1559 01:29:42.600 --> 01:29:45.880 com to list your home with Remax Alliance three oh 1560 01:29:45.960 --> 01:29:51.439 three nine two zero sixteen twenty two. Hi Tom Martine 1561 01:29:51.640 --> 01:29:54.279 here three oh three seven one three talks seven one 1562 01:29:54.279 --> 01:29:58.199 three two five five. So it says here tom my 1563 01:29:58.319 --> 01:30:01.399 wife was rear ended result in a total loss of 1564 01:30:01.439 --> 01:30:07.319 a vehicle. Insurance is paying thirteen sixty sixty six, but 1565 01:30:07.399 --> 01:30:12.239 we owe twenty three thousand petty details, which, by the way, 1566 01:30:12.000 --> 01:30:15.640 they value cars for you. When when things like this 1567 01:30:15.720 --> 01:30:19.079 happen they're on the referral list, they say the settlement 1568 01:30:19.199 --> 01:30:22.680 sounds correct. In other words, the car was worth about 1569 01:30:22.720 --> 01:30:27.840 thirteen six sixty six. My question, can we go against 1570 01:30:27.880 --> 01:30:29.800 the other driver for the balance to get that other 1571 01:30:29.840 --> 01:30:35.720 ten grand bag? Well, the obvious answer is known, because remember, 1572 01:30:36.000 --> 01:30:39.079 the party responsible to you is responsible for what they 1573 01:30:39.119 --> 01:30:47.239 took from you, what they damaged you by. If you 1574 01:30:47.520 --> 01:30:53.039 overpaid for the car, or if the car depreciated faster, 1575 01:30:53.760 --> 01:30:56.520 or if you had negative equity when you bought that car, 1576 01:30:56.600 --> 01:31:00.720 so your loan is artificially higher. You are are only 1577 01:31:00.960 --> 01:31:05.319 owed what that car was worth, not what you owe 1578 01:31:05.399 --> 01:31:08.479 on it. So that's that quick answer. Three oh three 1579 01:31:09.039 --> 01:31:11.479 seven one, three eight two five five. Again, you can 1580 01:31:11.479 --> 01:31:15.000 text me personally to my cell phone seven four seven 1581 01:31:15.119 --> 01:31:19.520 nine nine nine fifty two eighty seven four seven nine 1582 01:31:19.600 --> 01:31:22.560 nine nine fifty two eighty. No one else in media 1583 01:31:22.560 --> 01:31:26.399 gives you this direct access. You can also call me 1584 01:31:26.479 --> 01:31:30.680 personally at three oh three Martino. Now, obviously we go 1585 01:31:30.760 --> 01:31:35.359 to voicemail. There's too many calls. I want to take Mary, 1586 01:31:35.520 --> 01:31:37.880 who has a follow up? Don't is bo around by 1587 01:31:37.880 --> 01:31:38.159 the way. 1588 01:31:38.359 --> 01:31:41.079 Uh, I'm here, I'm here, tom. 1589 01:31:40.640 --> 01:31:43.880 So she bought a used car from Michael's. As I'm 1590 01:31:43.920 --> 01:31:47.920 reading this call, and uh it was Michael Auto Sales 1591 01:31:47.960 --> 01:31:51.880 East Colfax twenty fourteen Lexus one hundred and thirty two 1592 01:31:51.920 --> 01:31:57.359 thousand miles, seventeen thousand dollars plus warranty. She was financed 1593 01:31:57.399 --> 01:31:59.880 for twenty three thousand somewhere along the line. This sounds 1594 01:31:59.880 --> 01:32:02.960 like a screwy deal, but it might be illegal. Screwy deal, 1595 01:32:03.560 --> 01:32:06.399 a legal one, not illegal, but anyway, a few days 1596 01:32:06.479 --> 01:32:08.880 later the engine light came on. He promised to fix it. 1597 01:32:08.880 --> 01:32:13.079 It sat for six months. They claim they replaced the engine. 1598 01:32:13.159 --> 01:32:18.000 She's still having trouble. What's going on? I wanted you 1599 01:32:18.119 --> 01:32:20.600 to make a last dish effort here, Bo. I'm not 1600 01:32:20.640 --> 01:32:23.079 sure this woman could have screwed herself. I'm not sure 1601 01:32:23.119 --> 01:32:25.800 what the warranty covered. Well, what's going on? Sure? 1602 01:32:25.840 --> 01:32:29.960 I made a call to she sent me paperwork on 1603 01:32:30.039 --> 01:32:35.880 the extended warranty and it's by a company called Wise MVP. 1604 01:32:36.640 --> 01:32:40.359 They're a national warranty company. They have good reviews. I 1605 01:32:40.399 --> 01:32:43.239 was able to call and get right through to them 1606 01:32:43.920 --> 01:32:48.760 this morning and talked to Dan. They're a representative in 1607 01:32:48.880 --> 01:32:53.840 the good news for Mary is that this warranty is 1608 01:32:53.920 --> 01:32:58.119 still in effect, so she could take this warranty and 1609 01:32:58.199 --> 01:32:59.239 go to. 1610 01:32:59.239 --> 01:33:01.920 Why didn't she know that? Bro? Why didn't she know that? 1611 01:33:03.600 --> 01:33:07.039 I believe that when she had problems, she took the 1612 01:33:07.119 --> 01:33:09.560 vehicle and she can explain that she took the vehicle 1613 01:33:09.600 --> 01:33:13.000 back to Michael Michael's Auto Sales when they had engine 1614 01:33:13.119 --> 01:33:17.840 engine problems, and the owner or the representative that Michael 1615 01:33:18.239 --> 01:33:22.239 Auto Sales took it to like a shade, a third 1616 01:33:22.319 --> 01:33:23.199 party mckenn. 1617 01:33:23.279 --> 01:33:25.920 I wonder why, but they must have known she had 1618 01:33:25.920 --> 01:33:27.640 a warranty they sold it to her. 1619 01:33:29.399 --> 01:33:29.840 I don't. 1620 01:33:29.880 --> 01:33:33.199 I don't have an explanation for that. And apparently Mary 1621 01:33:34.439 --> 01:33:37.359 put up fifteen dollars to replace the engine, and I 1622 01:33:37.640 --> 01:33:38.600 do not know, Hey. 1623 01:33:38.520 --> 01:33:40.800 Mary, now see, I don't know if they're going to 1624 01:33:40.800 --> 01:33:41.600 reinburse her for that. 1625 01:33:43.199 --> 01:33:44.079 Mary? Are you there? 1626 01:33:45.039 --> 01:33:45.239 Yeah? 1627 01:33:45.279 --> 01:33:45.680 I'm here? 1628 01:33:46.680 --> 01:33:50.239 So Mary, would you whould you pay fifteen hundred two? 1629 01:33:51.439 --> 01:33:52.439 So here's what happened. 1630 01:33:57.199 --> 01:33:59.279 They told us that we had to go to their 1631 01:33:59.319 --> 01:34:02.439 specific mcare because what happened was in December of last year, 1632 01:34:03.159 --> 01:34:05.720 when uh, my husband went to I don't. 1633 01:34:05.520 --> 01:34:07.760 Need no, no, I don't need the surrounding story. They 1634 01:34:07.800 --> 01:34:10.279 told you you needed to go to their mccounting, did they? 1635 01:34:10.399 --> 01:34:12.960 But they did they remember that you purchased a warranty 1636 01:34:13.000 --> 01:34:17.640 from them? Yes, then why didn't they ask why didn't 1637 01:34:17.640 --> 01:34:19.359 they call the warranty company? Do you know? 1638 01:34:22.079 --> 01:34:22.119 No? 1639 01:34:22.520 --> 01:34:25.199 Uh, but I do know that we had already talked 1640 01:34:25.199 --> 01:34:30.279 to the warranty company last year. And what happened was 1641 01:34:30.319 --> 01:34:32.960 when they had when Michael Auto Sales had first taken 1642 01:34:33.439 --> 01:34:36.239 the car, when we first were having issues and they 1643 01:34:36.279 --> 01:34:37.079 gave us the loaner. 1644 01:34:37.359 --> 01:34:38.359 They took the. 1645 01:34:38.319 --> 01:34:42.359 Car to Automation Toyota and Auto Nation Toyota and us. 1646 01:34:42.399 --> 01:34:43.479 We all talked to the. 1647 01:34:43.520 --> 01:34:46.199 Warranty company and everything. But the thing was was the 1648 01:34:46.239 --> 01:34:47.399 warranty company. 1649 01:34:47.359 --> 01:34:50.159 Said that they had to uh do this. 1650 01:34:50.199 --> 01:34:53.520 Uh diagnostic and they had to I don't know what 1651 01:34:53.520 --> 01:34:56.359 whatever the details were, my husband. 1652 01:34:56.000 --> 01:34:56.479 Dealt with it. 1653 01:34:58.000 --> 01:35:01.000 Bottom line was autom Nation Toya wanted us to pay 1654 01:35:01.000 --> 01:35:02.319 two thousand dollars upfront. 1655 01:35:02.600 --> 01:35:04.560 We didn't have two thousand dollars. 1656 01:35:04.319 --> 01:35:07.319 Up front because we were already paying for car rentals. 1657 01:35:07.439 --> 01:35:10.279 All right, so hold on first, is it accurate to 1658 01:35:10.279 --> 01:35:14.560 say you did not go through the warranty procedure? That's right, Yeah, 1659 01:35:14.560 --> 01:35:15.600 the warrant does not. 1660 01:35:15.760 --> 01:35:18.960 They did not have a claim for an engine. There's 1661 01:35:19.000 --> 01:35:20.439 been no claim on your wall. 1662 01:35:20.479 --> 01:35:22.920 It's too late now, bro, it's too late. They already 1663 01:35:22.920 --> 01:35:25.119 did it. They're not going to go back and cover this. 1664 01:35:25.239 --> 01:35:27.439 So based on her word, how much did you put 1665 01:35:27.520 --> 01:35:29.119 toward the engine. 1666 01:35:29.520 --> 01:35:32.319 So in December when they went Michael Auto Sales forces 1667 01:35:32.319 --> 01:35:35.760 to go to their mechanics, I told my husband it 1668 01:35:35.840 --> 01:35:38.880 was fifteen hundred dollars that they had us pay because 1669 01:35:39.079 --> 01:35:42.520 Michael Atto Sales owner USUF said that he would pay 1670 01:35:42.600 --> 01:35:45.800 fifteen hundred dollars and we would pay fifteen hundred dollars 1671 01:35:45.880 --> 01:35:48.319 and they only wanted cash. And I told my husband 1672 01:35:48.319 --> 01:35:51.840 get a receipt, and this guy refused to give him 1673 01:35:51.840 --> 01:35:58.079 a receipt. Testpe was the name of the guy and 1674 01:35:58.119 --> 01:36:05.399 he's on pullback eight thousand pullbacks and gift the Auto 1675 01:36:05.439 --> 01:36:06.640 Sales is the name of the shop. 1676 01:36:07.319 --> 01:36:10.479 My god, your your phone is cutting it in everything? 1677 01:36:11.039 --> 01:36:16.119 All right? Oh sorry, sorry, listen, listen, listen. I just 1678 01:36:16.159 --> 01:36:19.119 want to talk about this. Sure, I don't think we 1679 01:36:19.159 --> 01:36:21.199 can do anything for you because you never went through 1680 01:36:21.199 --> 01:36:24.079 the warranty procedure. They wanted to do this procedure. The 1681 01:36:24.119 --> 01:36:27.239 reason you had to pay upfront was this. They take 1682 01:36:27.239 --> 01:36:29.159 it apart, they look at it. If it turns out 1683 01:36:29.199 --> 01:36:31.159 to be a warranty issue, they pay for it. If not, 1684 01:36:31.760 --> 01:36:34.520 they want to be reimbursed for that. It's a terrible 1685 01:36:34.560 --> 01:36:38.880 situation that you went through. But I don't know what 1686 01:36:38.920 --> 01:36:41.199 we can do about it right now unless. 1687 01:36:41.359 --> 01:36:45.239 I have an idea, Tom, what is that bo so 1688 01:36:45.279 --> 01:36:48.520 the warrant? This warranty company seems to be a stand 1689 01:36:48.600 --> 01:36:53.159 up company. There's been no claims against this warranty company. 1690 01:36:53.199 --> 01:36:58.720 That Dan at this MVP warranty company said that Mary 1691 01:36:58.760 --> 01:37:02.039 could take the car that Kevin Kulkin assured an auto 1692 01:37:02.119 --> 01:37:05.319 tech or to the Lexus dealer. They would even pay 1693 01:37:05.359 --> 01:37:08.760 for the tow and Mary would have to pay the 1694 01:37:08.800 --> 01:37:11.439 one hundred or two hundred dollars diagnostic fee. And there's 1695 01:37:11.520 --> 01:37:15.800 a good possibility that this warranty quarranty that Mary bot 1696 01:37:15.800 --> 01:37:17.359 would cover the engine. 1697 01:37:17.439 --> 01:37:18.760 Now, I do not think. 1698 01:37:19.479 --> 01:37:22.079 But if it's not the original engine, why would they? 1699 01:37:22.159 --> 01:37:25.000 I mean, I'm all for that bow, but did they 1700 01:37:25.079 --> 01:37:27.560 understand she already had the engine replaced? 1701 01:37:27.880 --> 01:37:30.560 Well, you know, Tom, I don't see how they could 1702 01:37:30.640 --> 01:37:33.479 replace an engine on a twenty fourteen Lexus for three 1703 01:37:33.520 --> 01:37:36.800 thousand dollars. I don't think they replaced the engine. I 1704 01:37:36.840 --> 01:37:40.119 think they just I think the engine. She still has 1705 01:37:40.159 --> 01:37:42.000 the original engine and she needs to go to a 1706 01:37:42.039 --> 01:37:44.279 dealer or Kevin and verify it. 1707 01:37:44.439 --> 01:37:46.760 I at least you know what the money that's right, 1708 01:37:47.119 --> 01:37:50.079 we can find out if they replace the engine or not. 1709 01:37:50.159 --> 01:37:53.520 If they didn't and they lied to you into fifteen hundred. Now, 1710 01:37:53.560 --> 01:37:56.600 did Michaels take the fifteen hundred or did their mechanic 1711 01:37:56.680 --> 01:37:56.960 do it? 1712 01:37:58.039 --> 01:38:02.000 Fifty auto sales guy named tes Fey, he took it. 1713 01:38:02.239 --> 01:38:06.960 He took the fifteen hundred cash. And you know, we 1714 01:38:07.039 --> 01:38:09.560 don't think he replaced the engine at all because they 1715 01:38:10.119 --> 01:38:13.960 worked for four months, literally only four months, and then 1716 01:38:14.000 --> 01:38:16.079 it started to jerk around. 1717 01:38:16.079 --> 01:38:18.760 And way, hold on, now, what is the name of 1718 01:38:18.800 --> 01:38:23.800 the so that you didn't pay the Michael's Auto Sales 1719 01:38:23.840 --> 01:38:24.399 this money? 1720 01:38:25.279 --> 01:38:28.880 No cash only to gift the auto sales because they 1721 01:38:28.960 --> 01:38:34.520 said cash only and they were and. 1722 01:38:32.720 --> 01:38:36.560 What are you saying? Nifty nifty auto sales g. 1723 01:38:36.840 --> 01:38:40.079 G I s t y eight thousand eight coal facts. 1724 01:38:40.239 --> 01:38:42.720 And the guy's name is Teste. And when we went 1725 01:38:42.760 --> 01:38:44.880 back to him in June after the car quit after 1726 01:38:44.920 --> 01:38:47.119 four months of working, we went back to him in 1727 01:38:47.199 --> 01:38:50.199 June of this year, and he said, I've never. 1728 01:38:50.039 --> 01:38:50.800 Seen you before. 1729 01:38:51.520 --> 01:38:54.000 Oh my god, is there any way to prove that 1730 01:38:54.039 --> 01:38:55.880 he even took the money from you. 1731 01:38:58.199 --> 01:39:00.880 His re seat in the first place, Tom. 1732 01:39:00.800 --> 01:39:03.199 Was, Mary, you didn't get a receipt. 1733 01:39:04.720 --> 01:39:06.840 I told my husband, make sure you get a receipt. 1734 01:39:06.840 --> 01:39:08.479 This guy wants cash. He's not going to give you 1735 01:39:08.479 --> 01:39:10.439 a seat. I said, make sure he gets your receipt 1736 01:39:10.520 --> 01:39:11.600 or he's gonna screw us. 1737 01:39:11.800 --> 01:39:12.600 He came back to the car. 1738 01:39:12.640 --> 01:39:13.640 He said, did you get a receipt? 1739 01:39:13.640 --> 01:39:15.079 He goes no, I said, I knew it. 1740 01:39:15.319 --> 01:39:17.720 So basically, Mary, this never happened. 1741 01:39:18.399 --> 01:39:22.039 Nifty you'll say it never happened, yeah, or gifty. 1742 01:39:22.560 --> 01:39:26.640 He said he'd never seen us before in huge Oh my, 1743 01:39:27.079 --> 01:39:28.399 I've never seen you before. 1744 01:39:29.479 --> 01:39:33.159 Okay, listen, let's just let's just go with both suggestions. 1745 01:39:33.199 --> 01:39:36.960 Mary, you need to take your car to the Lexus dealer. 1746 01:39:37.079 --> 01:39:40.520 Their dealers are pretty good. They have the answer to 1747 01:39:40.560 --> 01:39:43.359 the manufacturer. I would take it there since it's close 1748 01:39:43.359 --> 01:39:46.000 to where you live. Pay, you know, pay the one 1749 01:39:46.079 --> 01:39:48.439 hundred or two hundred and fifty dollars, and I believe 1750 01:39:48.479 --> 01:39:51.720 your warranty company will assist you in pain for the 1751 01:39:51.800 --> 01:39:54.880 diagnostic and have a real company check it out. 1752 01:39:55.039 --> 01:39:58.000 If that's the original engine, there's nothing we can do 1753 01:39:58.039 --> 01:40:01.520 because we can't prove a gift receipt. So if that's 1754 01:40:01.560 --> 01:40:04.079 the original engine, though, maybe your warranty you'll cover it 1755 01:40:04.319 --> 01:40:06.800 because you have a warranty. I have to take this break. 1756 01:40:06.840 --> 01:40:14.560 We have more coming up on the Troubleshooter show. Go 1757 01:40:14.640 --> 01:40:18.359 with a Sure Thing, Denver's Best Roofer, Excel Roofing, Dot com. 1758 01:40:18.399 --> 01:40:24.119 You don't pay a cent until you're content. Time for 1759 01:40:24.159 --> 01:40:27.920 an insurance check up free no obligation comparison call Compass 1760 01:40:27.960 --> 01:40:31.239 Insurance paying too much your coverage at dozens of insurance 1761 01:40:31.239 --> 01:40:33.720 companies find out now three all three seven to seven 1762 01:40:33.760 --> 01:40:36.520 to one help. You'll think you're his only customer when 1763 01:40:36.560 --> 01:40:39.039 you choose Frank durand the real estate man dot com 1764 01:40:39.039 --> 01:40:42.199 to list your home with Remax Alliance three all three 1765 01:40:42.279 --> 01:40:49.439 nine two zero sixteen twenty two. Hi Tom Martino, you're 1766 01:40:49.439 --> 01:40:52.039 a troubleshooter. Three oh three seven one three talk seven 1767 01:40:52.359 --> 01:40:55.119 two five five. Susan wants a NOVAP deck consolidation. What's 1768 01:40:55.119 --> 01:40:55.840 going on, Susan? 1769 01:40:57.279 --> 01:40:58.359 High come times? 1770 01:40:59.359 --> 01:41:00.560 We have we have. 1771 01:41:01.920 --> 01:41:04.359 My son and son and daughter in law have gotten 1772 01:41:04.399 --> 01:41:08.119 them to early thirties, have gotten themselves in considerable debt. 1773 01:41:08.600 --> 01:41:09.000 How much? 1774 01:41:09.039 --> 01:41:12.119 And I'm trying to about seventeen grand? 1775 01:41:12.640 --> 01:41:13.079 Okay? 1776 01:41:14.319 --> 01:41:16.680 Yeah, And they they're kind of frivolous and they need 1777 01:41:17.840 --> 01:41:20.560 someone to kind of give them a come to Jesus. 1778 01:41:20.640 --> 01:41:30.359 I'm doing a budget and I was thinking counseling, budget counseling, I. 1779 01:41:30.279 --> 01:41:34.359 Mean it'll it's called yeah, or consumer credit counseling. Used 1780 01:41:34.399 --> 01:41:37.079 to be an organization did that. But anyway, so what 1781 01:41:37.520 --> 01:41:37.960 about it? 1782 01:41:39.399 --> 01:41:41.680 Well, I'm just wondering what's the best way to go 1783 01:41:42.000 --> 01:41:45.479 for them to go about working on this debt. 1784 01:41:45.680 --> 01:41:49.359 Okay, do they start? I'm going to I'm going to 1785 01:41:49.479 --> 01:41:51.039 run out of time, but I'm going to start, and 1786 01:41:51.079 --> 01:41:53.199 then i'll take you right up right after the news. 1787 01:41:53.000 --> 01:41:56.880 Here's the bottom line with seventeen grand in debt. I 1788 01:41:56.920 --> 01:42:01.359 know you've heard about debt consolidation. That's mostly false. There 1789 01:42:01.439 --> 01:42:05.479 is no real There is no real true debt consolidation 1790 01:42:06.079 --> 01:42:10.600 without security, meaning you can't simply go out and get 1791 01:42:10.600 --> 01:42:14.880 a seventeen thousand dollars loan and hope that someone's going 1792 01:42:14.960 --> 01:42:16.840 to take a chance on you. It's just not going 1793 01:42:16.920 --> 01:42:23.399 to happen. All debt consolidation loans are either secured or 1794 01:42:24.079 --> 01:42:29.600 they're outrageously expensive to where it doesn't pay doing them 1795 01:42:29.760 --> 01:42:33.239 because you have loan sharks doing them. So it's better. 1796 01:42:34.039 --> 01:42:39.520 But that doesn't mean you can't negotiate settlements. You can 1797 01:42:40.239 --> 01:42:43.319 you if you, but you have to have lump sums 1798 01:42:43.880 --> 01:42:44.880 to do settlements. 1799 01:42:45.479 --> 01:42:48.439 But where do you get lump sums? That's the problem. 1800 01:42:48.840 --> 01:42:52.199 The truth of debt consolidation is this, in order to 1801 01:42:52.239 --> 01:42:56.199 get debt consolidation. You have to have something. You have 1802 01:42:56.239 --> 01:42:59.520 to have a house, a second or anything like that. 1803 01:43:00.159 --> 01:43:04.319 They have a house. Yeah, okay, well we can talk 1804 01:43:04.359 --> 01:43:07.159 about that coming up. I can talk to you about 1805 01:43:07.199 --> 01:43:09.800 not getting ripped off. That's the most important thing. Hang on, 1806 01:43:10.359 --> 01:43:14.279 I'm Tom Martino. Dek consolidation coming up. Plus, Monique has 1807 01:43:14.279 --> 01:43:16.520 an issue with an HOA and then we're going to 1808 01:43:16.600 --> 01:43:21.119 talk about an issue with another kind of a car sale. 1809 01:43:21.239 --> 01:43:24.000 All of that coming up on the Troubleshooter Show. Plus 1810 01:43:24.039 --> 01:43:28.479 we have Redrocksars dot com, roof and solar coming up. 1811 01:43:30.279 --> 01:43:34.239 Go with a sure thing Denver's Best roofer Excelroofing dot com. 1812 01:43:34.279 --> 01:43:40.000 You don't pay a cent until you're content. Time for 1813 01:43:40.039 --> 01:43:44.399 an insurance checkup free no obligation comparison call Compass Insurance 1814 01:43:44.560 --> 01:43:47.560 paying too much your coverage at dozens of insurance companies 1815 01:43:47.640 --> 01:43:49.720 find out now three O three seven to seven to 1816 01:43:49.720 --> 01:43:52.479 one help. You'll think you're his only customer when you 1817 01:43:52.560 --> 01:43:55.000 choose Frank durand the real estate Man dot com to 1818 01:43:55.079 --> 01:43:58.439 list your home with Remax Alliance three three nine two 1819 01:43:58.520 --> 01:43:59.800 zero sixteen twenty two. 1820 01:44:00.479 --> 01:44:10.439 Yeah, ripped up. You need advice so you don't have 1821 01:44:12.720 --> 01:44:15.119 come run in just as fast as we can. 1822 01:44:16.399 --> 01:44:19.039 Shooter's gonna help come man. 1823 01:44:19.880 --> 01:44:26.560 This is the Troubleshooter Show. No Tom Martino, Hi Tom 1824 01:44:26.600 --> 01:44:29.319 Martino here three oh three seven one three talk seven 1825 01:44:29.359 --> 01:44:32.359 one three eight two five five. Welcome to the only 1826 01:44:32.399 --> 01:44:34.439 show anywhere if it's kind. This hour brought to you 1827 01:44:34.520 --> 01:44:38.720 by Excel Roofing dot Com. I love Excel. No money down, 1828 01:44:38.800 --> 01:44:40.720 you don't. They don't. You don't pay a cent ever 1829 01:44:40.880 --> 01:44:42.880 to them until they're you're content. That's the end of 1830 01:44:42.880 --> 01:44:45.560 the job. They don't uh, they don't make you sign 1831 01:44:45.600 --> 01:44:48.920 anything for them to examine the roof damage and to 1832 01:44:49.000 --> 01:44:51.840 give you a complete, detailed contract. You don't have to 1833 01:44:51.880 --> 01:44:56.279 sign anything until uh you want to. And it's really 1834 01:44:56.319 --> 01:44:59.039 the only way to do business. And roofing Excel as 1835 01:44:59.039 --> 01:45:03.600 an excellent ex Cel excelroofing dot com. And they also 1836 01:45:03.640 --> 01:45:08.119 know about attic ventilation and complete energy efficiency on roofs 1837 01:45:08.159 --> 01:45:12.119 to help your home cool and heat better. Excel. Okay, 1838 01:45:12.199 --> 01:45:16.920 let's talk what's on your mind today. I have Red 1839 01:45:17.039 --> 01:45:20.000 Rocks with us Red Rocks roof and Solar talking about 1840 01:45:20.039 --> 01:45:24.439 solar systems, and I want to talk about a couple 1841 01:45:24.560 --> 01:45:27.720 things after I take these calls. Susan wanted to talk 1842 01:45:27.760 --> 01:45:30.840 about debt consolidation coming up. I'm going to tell you 1843 01:45:30.880 --> 01:45:34.520 how to save ten percent on your electric bill without solar. 1844 01:45:34.600 --> 01:45:36.439 I mean, I don't mean we I also like solar 1845 01:45:36.479 --> 01:45:38.880 is a bad thing. But there's a program going around 1846 01:45:38.920 --> 01:45:40.920 I want you to know about. It's connected to solar, 1847 01:45:40.960 --> 01:45:43.039 but you don't have to have the system. It's weird, 1848 01:45:43.640 --> 01:45:47.199 just weird. Anyway, We're going to try to explain that 1849 01:45:47.239 --> 01:45:50.000 to you, Susan. Her son and daughter in law gott 1850 01:45:50.000 --> 01:45:53.520 into seventeen thousand dollars in credit card debt. How is 1851 01:45:53.560 --> 01:45:56.119 their credit right now, Susan, Did they trash their credit 1852 01:45:56.239 --> 01:45:59.319 or are they barely making pay? 1853 01:45:59.399 --> 01:45:59.880 I don't know. 1854 01:46:00.159 --> 01:46:02.800 I don't know. I should have asked him that, But 1855 01:46:02.880 --> 01:46:04.479 I can ask them, Okay, And. 1856 01:46:04.439 --> 01:46:06.239 How much equity do they have in their house? 1857 01:46:06.279 --> 01:46:06.640 If any? 1858 01:46:10.119 --> 01:46:12.000 How much equity do they have in their house? 1859 01:46:13.319 --> 01:46:13.640 Sorry? 1860 01:46:13.680 --> 01:46:14.560 Good, asked the husband. 1861 01:46:14.680 --> 01:46:18.960 Sure, how much equity do they have in their house? 1862 01:46:21.159 --> 01:46:21.720 Not much? 1863 01:46:21.800 --> 01:46:22.319 Apparently. 1864 01:46:22.840 --> 01:46:26.800 Oh, and they may not be able to they'd have 1865 01:46:26.880 --> 01:46:30.720 to have enough to take out seventeen grand. 1866 01:46:30.319 --> 01:46:32.840 I think they'd have to put at least twenty percent 1867 01:46:33.479 --> 01:46:34.359 to get a mortgage. 1868 01:46:35.079 --> 01:46:36.239 With mortgage insurance. 1869 01:46:36.239 --> 01:46:40.319 In their case, they have a home already. 1870 01:46:40.319 --> 01:46:42.920 What are you talking about, Well, in their home, in 1871 01:46:43.000 --> 01:46:45.479 order to get a mortgage on that home, it sounds 1872 01:46:45.520 --> 01:46:48.239 like they would have to put at least twenty percent down. 1873 01:46:49.800 --> 01:46:52.479 In other words, you're saying they probably have at least 1874 01:46:52.479 --> 01:46:54.680 twenty percent. Yeah, in order to get a mortgage, they 1875 01:46:54.760 --> 01:47:00.479 must have. But most, but most people won't loan even 1876 01:47:00.520 --> 01:47:03.960 on a second They won't loan more than eighty percent, 1877 01:47:04.079 --> 01:47:08.439 sometimes ninety percent. So how much do you know how 1878 01:47:08.520 --> 01:47:09.840 much they owe in their house? Susan? 1879 01:47:12.600 --> 01:47:15.800 Oh, gosh, they paid five Do you know how much 1880 01:47:15.840 --> 01:47:16.680 they owe on their house? 1881 01:47:16.760 --> 01:47:17.000 Pet? 1882 01:47:20.520 --> 01:47:21.399 Six hundred thousand? 1883 01:47:21.479 --> 01:47:24.760 Probably just so? And what did they pay for the house? 1884 01:47:26.359 --> 01:47:26.920 Would they pay? 1885 01:47:27.000 --> 01:47:27.199 Pat? 1886 01:47:27.279 --> 01:47:32.880 Five sixty? Sorry, he's got the about six twenty? 1887 01:47:33.880 --> 01:47:35.439 So they don't have much equity at all? 1888 01:47:36.159 --> 01:47:38.199 And oh no, no, they don't count. 1889 01:47:38.199 --> 01:47:41.079 Okay, So, oh, and do you know what the rate 1890 01:47:41.199 --> 01:47:42.199 is on that first loan? 1891 01:47:43.960 --> 01:47:52.239 Six points? They got forty thousand in equity? My husband says, yes, 1892 01:47:52.279 --> 01:47:54.359 I think you were like six point two five or 1893 01:47:54.359 --> 01:47:55.159 something like that. 1894 01:47:55.680 --> 01:47:58.520 Okay, I'm going to ask another question. If they're not listening, 1895 01:47:58.560 --> 01:48:01.319 this is good, are you eyes willing to loan of money. 1896 01:48:02.640 --> 01:48:07.720 NOP can't right now, can't right now, we're retired. My 1897 01:48:07.800 --> 01:48:11.920 husband got West Nile severe case, really and rehab for 1898 01:48:11.960 --> 01:48:15.439 like three months. He got the neuroinvasive kind. 1899 01:48:15.479 --> 01:48:16.119 How do you get it? 1900 01:48:16.239 --> 01:48:22.800 Complete mosquito bite, complete paralysis, necked down, ventilator, trachy out. 1901 01:48:22.880 --> 01:48:25.600 Oh my god, wait a minute, I mean, Susan, how 1902 01:48:25.640 --> 01:48:27.119 do you know what's from a mosquito bite? 1903 01:48:28.439 --> 01:48:30.359 Because that's what was carrying them? 1904 01:48:30.920 --> 01:48:32.439 And how long ago was that virus? 1905 01:48:33.439 --> 01:48:36.199 This is September, September fifth. We're going to have a 1906 01:48:36.800 --> 01:48:39.279 big year long celebration form in a couple of days. 1907 01:48:40.479 --> 01:48:43.600 It was September fifth. He went into the hospital by 1908 01:48:43.600 --> 01:48:47.760 the eighth. He was in intensive care. We finally got 1909 01:48:47.880 --> 01:48:49.439 him home in December, but he. 1910 01:48:49.520 --> 01:48:50.319 Still was very weak. 1911 01:48:50.439 --> 01:48:52.800 Needed a lot of physical care, which I was able 1912 01:48:52.800 --> 01:48:56.119 to do because I'm a nurse. It's been wrong, it's 1913 01:48:56.119 --> 01:48:56.920 been insane. 1914 01:48:57.600 --> 01:49:00.920 Listen anyway, there's not much hope for this seventeen grand 1915 01:49:02.479 --> 01:49:05.319 unless but I'm going to give you some techniques here. 1916 01:49:06.359 --> 01:49:10.800 If they still have reasonable or good credit, they can 1917 01:49:10.840 --> 01:49:16.640 do balance transfers. Some cards offer zero percent balance transfer 1918 01:49:16.680 --> 01:49:20.720 for a certain amount of time, and you can they 1919 01:49:20.720 --> 01:49:22.960 can transfer it and try making payments on it to 1920 01:49:23.000 --> 01:49:26.520 get it down and keep doing that transfer game. That's 1921 01:49:26.640 --> 01:49:29.760 what some people do. Do you know how many different 1922 01:49:30.319 --> 01:49:31.079 cards they have? 1923 01:49:32.119 --> 01:49:32.319 Oh? 1924 01:49:32.359 --> 01:49:35.159 No, I don't know. And the more important thing is 1925 01:49:35.199 --> 01:49:38.239 this where they putting it on credit because they don't 1926 01:49:38.279 --> 01:49:40.239 have enough to meet their bills every month. I mean, 1927 01:49:40.279 --> 01:49:41.319 because then that would. 1928 01:49:41.119 --> 01:49:44.039 Be matter what probably more details. 1929 01:49:44.239 --> 01:49:46.760 Well, let's put it this way. If they're charging stuff, 1930 01:49:47.159 --> 01:49:50.119 If they're charging stuff because they don't have enough to 1931 01:49:50.159 --> 01:49:53.479 pay their bills, then getting a loan to pay off 1932 01:49:53.479 --> 01:49:56.520 this equity is only a band aid. It's not going 1933 01:49:56.600 --> 01:49:58.479 to help them. They're going to go right back into 1934 01:49:58.560 --> 01:49:59.039 debt again. 1935 01:50:00.239 --> 01:50:00.920 Okay. 1936 01:50:01.319 --> 01:50:04.159 I mean they have to increase their income or decrease 1937 01:50:04.239 --> 01:50:05.479 their their expenses. 1938 01:50:06.600 --> 01:50:06.880 M hm. 1939 01:50:08.119 --> 01:50:13.840 Okay, what what what would you recommend just to start baseline? 1940 01:50:14.920 --> 01:50:17.479 What do you know anyone that would do just plain 1941 01:50:17.600 --> 01:50:20.079 budget counseling help them get a budget going. 1942 01:50:21.000 --> 01:50:25.199 Okay, you know what I used to I used to 1943 01:50:25.239 --> 01:50:30.319 know people hold on, let me just see, there are negotiations, 1944 01:50:31.720 --> 01:50:37.199 let me just see. It's hard to say there consumer 1945 01:50:37.279 --> 01:50:41.439 credit counseling. It was, you know, consumer credit counseling. A 1946 01:50:41.479 --> 01:50:44.199 lot of people think, oh, that's just a scam. It 1947 01:50:44.239 --> 01:50:47.199 really isn't a scam, but what it is, it's truly 1948 01:50:47.359 --> 01:50:51.840 a play a way to What Consumer Credit Counseling did 1949 01:50:51.920 --> 01:50:56.800 was help people. But they have and it's a nonprofit agency, 1950 01:50:57.680 --> 01:51:03.359 but it's you know, the original one. What it did 1951 01:51:03.560 --> 01:51:07.000 was it helped people. They did this service to keep 1952 01:51:07.039 --> 01:51:10.399 people from going bankrupt, and they were actually supported by 1953 01:51:10.439 --> 01:51:13.760 the credit card industry because the credit card industry felt, 1954 01:51:13.800 --> 01:51:17.239 if we can keep people from going bankrupt, it would 1955 01:51:17.279 --> 01:51:22.479 be better, you know, so they supported them. It's there 1956 01:51:22.560 --> 01:51:25.439 is a Consumer Credit Counseling Foundation, but I don't know 1957 01:51:25.479 --> 01:51:28.239 if it's the same one, and I hate Then there's 1958 01:51:28.399 --> 01:51:31.039 consumer credit dot com. I got to figure out which 1959 01:51:31.079 --> 01:51:33.479 one is the legit one or you can look it 1960 01:51:33.560 --> 01:51:37.119 up because some of them are not legit. They charge 1961 01:51:37.159 --> 01:51:40.279 monthly fees and they're full of crap. But the ones 1962 01:51:40.319 --> 01:51:45.199 that are legit are actually supported by the credit card companies, 1963 01:51:45.239 --> 01:51:49.359 believe it or not. I think what you need to do, 1964 01:51:50.039 --> 01:51:53.800 what you need to do is there's no magic here. 1965 01:51:53.880 --> 01:51:56.560 I mean as far as counseling, what do you mean 1966 01:51:56.600 --> 01:51:59.720 by counseling? This is what I don't understand, Like how 1967 01:51:59.800 --> 01:52:01.479 not to spend money. 1968 01:52:02.399 --> 01:52:07.760 Well basically, uh, basically just rudimental really setting up a 1969 01:52:07.800 --> 01:52:12.960 budget for starters, okay, and then helping them with what 1970 01:52:13.159 --> 01:52:16.239 to spend money on where, you know, just really we 1971 01:52:16.359 --> 01:52:18.600 need I know what you're saying. 1972 01:52:18.800 --> 01:52:23.439 Yeah, things that school don't teach that every that every 1973 01:52:23.479 --> 01:52:28.079 person needs, right the schools. You know what's here's what's funny. 1974 01:52:28.079 --> 01:52:34.279 Schools don't teach budgeting, real life, insurance, buying a car. 1975 01:52:34.680 --> 01:52:39.560 They don't teach nutrition. I mean, I swear to you 1976 01:52:39.600 --> 01:52:42.000 they come out of school dumber than they went in. 1977 01:52:43.119 --> 01:52:45.520 But but I don't know any I really don't know 1978 01:52:45.600 --> 01:52:48.920 any services I'm looking and I wish I did, I 1979 01:52:49.000 --> 01:52:49.479 really do. 1980 01:52:49.560 --> 01:52:54.479 I have a suggestion for Susan. Yes, Bo, Susan, your 1981 01:52:55.520 --> 01:53:01.920 your kids should take a WRAPO community college in expense 1982 01:53:01.960 --> 01:53:04.800 that they do have a class on budgeting and personal 1983 01:53:04.840 --> 01:53:07.520 fund do they? 1984 01:53:06.039 --> 01:53:10.960 Yeah, my daughter's going there, And what a great idea. 1985 01:53:11.439 --> 01:53:13.319 And then you don't have to pay a monthly fee 1986 01:53:13.399 --> 01:53:15.000 and get some college credit. 1987 01:53:15.680 --> 01:53:18.039 And I think that would be perfect. Wow, that's not 1988 01:53:18.079 --> 01:53:20.359 a bad you know, a rap community college. I hear 1989 01:53:20.520 --> 01:53:22.800 so many good things about them. 1990 01:53:23.279 --> 01:53:24.239 Yeah, they're very good. 1991 01:53:25.199 --> 01:53:25.960 I heard a lot. 1992 01:53:27.000 --> 01:53:27.640 I like that. 1993 01:53:28.159 --> 01:53:29.039 Yeah, you can try. 1994 01:53:29.079 --> 01:53:32.479 They're talking about a very low level kind of all right, 1995 01:53:32.520 --> 01:53:34.560 this is what you've done. We need to get you 1996 01:53:34.640 --> 01:53:36.760 out of this, don't do it again kind of thing. 1997 01:53:38.399 --> 01:53:40.680 You know what I need to do, I swear if 1998 01:53:40.720 --> 01:53:43.399 ever I, if ever I start slowing down in life, 1999 01:53:43.439 --> 01:53:46.640 I need to put together a course for kids. I'm serious, 2000 01:53:46.680 --> 01:53:50.960 where where kids come voluntarily and we can put together 2001 01:53:51.000 --> 01:53:53.800 a two week course or something for kids because it 2002 01:53:53.880 --> 01:54:00.560 is so critical. Our our education system sucks. I mean anyway, 2003 01:54:00.600 --> 01:54:02.880 thanks for calling and try that and let us know 2004 01:54:03.359 --> 01:54:05.680 how that a rap hole community college stuff goes three 2005 01:54:05.760 --> 01:54:08.199 oh three seven one three eight two five five. I 2006 01:54:08.239 --> 01:54:11.479 want to sneak this in real quick here, Monique, what's 2007 01:54:11.479 --> 01:54:13.600 going on with the HOA? Maybe we can get a 2008 01:54:13.640 --> 01:54:15.279 deputy working on this. What's going on? 2009 01:54:15.319 --> 01:54:19.680 Monique, tom thanks for taking my call. I am trying 2010 01:54:19.720 --> 01:54:22.640 to find my ZN so try to make as quick 2011 01:54:22.640 --> 01:54:25.479 as I can for you. But Monday evening we get 2012 01:54:25.479 --> 01:54:27.640 home off to work and we notice that our three 2013 01:54:27.800 --> 01:54:31.840 foot one hundred and twenty pound ish Buddhist statue is gone. 2014 01:54:31.920 --> 01:54:32.479 It's missing. 2015 01:54:32.680 --> 01:54:33.439 Oh my god. 2016 01:54:34.640 --> 01:54:34.880 Yeah. 2017 01:54:35.319 --> 01:54:39.279 So and we had been robbed April twenty third of 2018 01:54:39.319 --> 01:54:42.359 a much smaller Buddhist statue in the same spot. So 2019 01:54:42.439 --> 01:54:44.680 of course it's now Friday evening. 2020 01:54:45.199 --> 01:54:45.880 Is this is this? 2021 01:54:46.159 --> 01:54:49.720 Like? Is this an expensive statue? 2022 01:54:50.520 --> 01:54:57.439 Probably about between five six hundred dollars? Oh, okay, and 2023 01:54:57.479 --> 01:54:59.039 it's in an apartment conflex. 2024 01:55:00.039 --> 01:55:03.640 Wait, so where was this statue inside your apartment? 2025 01:55:04.760 --> 01:55:09.960 No? Outside the front door. So everyone has like pop plants. 2026 01:55:09.520 --> 01:55:11.600 Little chain Oh, I get it. I get it. So 2027 01:55:11.640 --> 01:55:14.560 they like have planters and stuff. Was this allowed, this 2028 01:55:14.640 --> 01:55:15.880 Buddhist statue? Do you know? 2029 01:55:17.079 --> 01:55:21.159 So we have a whole two pages of bylaws. We 2030 01:55:21.319 --> 01:55:23.880 rent the property from our landlord and don't have access 2031 01:55:23.920 --> 01:55:26.800 to the portal. So I looked through the bilaws and 2032 01:55:26.920 --> 01:55:30.279 all states on the bylaws is you can have something 2033 01:55:30.560 --> 01:55:35.600 that cannot be bigger than a post plant. So it's 2034 01:55:35.880 --> 01:55:38.720 anything that cannot be bigger than a poset plant. But 2035 01:55:38.760 --> 01:55:41.640 there's no size specifications at all. 2036 01:55:41.680 --> 01:55:43.560 Do you do you think the Hua took it? 2037 01:55:45.039 --> 01:55:47.720 I know the Hia took it after my investigation. 2038 01:55:48.279 --> 01:55:52.079 Do you think they did it clandestinely or they took 2039 01:55:52.119 --> 01:55:55.640 it because you were violating the rules openly? In other words, 2040 01:55:55.760 --> 01:55:57.000 do they admit they took it? 2041 01:55:58.319 --> 01:56:01.399 They admit they took it off after really having to 2042 01:56:01.520 --> 01:56:05.279 pound them. So one of our neighbors kind of indicated 2043 01:56:05.399 --> 01:56:08.319 he thought that they took it, and so I called 2044 01:56:08.800 --> 01:56:12.000 And the property management company is called Hammersmith. So I 2045 01:56:12.079 --> 01:56:15.439 called them and I was like, what's going on? Of 2046 01:56:15.479 --> 01:56:17.039 course they never owned the phone. 2047 01:56:17.079 --> 01:56:21.239 So right now, though they admitted it, they admitted it. 2048 01:56:21.720 --> 01:56:23.600 Oh my gosh. Hold on a second. 2049 01:56:23.840 --> 01:56:27.159 I wonder if we have any any I wonder if 2050 01:56:27.159 --> 01:56:29.840 they violated any laws. I'm not talking about THEFT. I 2051 01:56:29.880 --> 01:56:32.840 want to talk about freedom of expression or anything like that. 2052 01:56:32.880 --> 01:56:34.640 Hold on, we'll come right back. We got more coming 2053 01:56:34.680 --> 01:56:36.720 up on the Troubleshooter Show. Three O three seven one 2054 01:56:36.760 --> 01:56:45.239 three two five five Go with a sure thing Denver's 2055 01:56:45.279 --> 01:56:48.199 Best roofer Excel Roofing dot com. You don't pay a 2056 01:56:48.279 --> 01:56:54.760 cent until you're content. Time for an insurance check up free, 2057 01:56:54.840 --> 01:56:58.560 no obligation. In comparison, call Compass Insurance paying too much 2058 01:56:58.680 --> 01:57:01.640 your coverage at dozens of insurance companies find out now 2059 01:57:01.720 --> 01:57:04.199 three all three seven seven to one help You'll think 2060 01:57:04.239 --> 01:57:06.840 you're his only customer when you choose Frank durand the 2061 01:57:06.840 --> 01:57:09.520 real estate Man dot com to list your home with 2062 01:57:09.600 --> 01:57:18.520 Remax Alliance three all three nine two zero sixteen twenty two. 2063 01:57:20.319 --> 01:57:24.560 Hi Tom Martino, you're troubleshooter three all three seven one 2064 01:57:24.600 --> 01:57:27.399 three talks seven one three eight two five five. We 2065 01:57:27.479 --> 01:57:29.880 handle a lot of different stuff in this place, man, 2066 01:57:30.000 --> 01:57:32.239 but I gotta talk. I'm gonna go right back to that. 2067 01:57:32.359 --> 01:57:36.479 I just want to say something. Brook Brook is with redrocks. 2068 01:57:36.479 --> 01:57:40.159 We got we gotta touch on this saving ten percent now. 2069 01:57:40.560 --> 01:57:43.760 I got this notice from Excel Energy saying you can 2070 01:57:43.800 --> 01:57:49.279 save ten percent right now on your bill and Excel 2071 01:57:49.399 --> 01:57:54.680 will remain your electricity provider. There will be noses rocks. 2072 01:57:56.239 --> 01:57:59.159 Nothing has to be hooked up to your house. Period. 2073 01:57:59.479 --> 01:58:02.800 You simply lease sign up for this program. And the 2074 01:58:02.880 --> 01:58:06.600 way I read it, when I sign up for this program, 2075 01:58:07.720 --> 01:58:13.439 I become a virtual member of a solar farm. Yep, 2076 01:58:14.319 --> 01:58:19.680 even though that solar farm is not producing directly for me. 2077 01:58:20.439 --> 01:58:21.039 That's correct. 2078 01:58:21.520 --> 01:58:24.600 It's offsetting my electric bill. 2079 01:58:25.159 --> 01:58:27.000 It's not offsetting your electric bill. 2080 01:58:27.039 --> 01:58:29.239 They're just giving you a ten percent disco as being 2081 01:58:29.279 --> 01:58:30.640 part of that program. 2082 01:58:31.119 --> 01:58:33.840 I don't get it. Why would they give me a 2083 01:58:33.960 --> 01:58:39.560 ten percent discount for being part of someone else's solar farm. 2084 01:58:40.119 --> 01:58:45.640 Yeah, So the federal government is incentivizing the utility companies 2085 01:58:45.680 --> 01:58:49.520 to push folks to solar want more solar, right, and 2086 01:58:49.600 --> 01:58:52.600 so Excel is required to have so many folks sign 2087 01:58:52.640 --> 01:58:56.039 up for this program. It also prevents folks from adding 2088 01:58:56.119 --> 01:58:59.520 solar to their own house, so they're not losing as 2089 01:58:59.600 --> 01:59:02.600 much in come if you do this solar field program. 2090 01:59:02.680 --> 01:59:05.159 So they'd rather you take a ten percent discount. 2091 01:59:04.800 --> 01:59:09.239 Than save tons more exactly. No, here's what I want 2092 01:59:09.239 --> 01:59:09.439 to know. 2093 01:59:10.079 --> 01:59:13.439 Is Excel making the solar fields or are these independent 2094 01:59:13.520 --> 01:59:14.359 solar fields. 2095 01:59:15.039 --> 01:59:19.039 They're tied to excels grid, so I don't know the ownership. 2096 01:59:19.079 --> 01:59:22.159 Typically utilities don't own the solar field because they want 2097 01:59:22.199 --> 01:59:24.560 somebody else to own it to pay for the maintenance. 2098 01:59:24.439 --> 01:59:29.720 It all right, So they do solar fields and then 2099 01:59:29.920 --> 01:59:33.439 Excel accepts them or approves them, and then they sell 2100 01:59:33.479 --> 01:59:36.479 share They don't sell shares, but they a lot. 2101 01:59:36.680 --> 01:59:42.399 So theoretically, can one solar field. 2102 01:59:44.119 --> 01:59:47.319 Give discounts to more people that would normally be served 2103 01:59:47.359 --> 01:59:49.640 by that field? Or is there a limit to how 2104 01:59:49.640 --> 01:59:52.159 many customers can be You know what I'm saying by that, 2105 01:59:52.479 --> 01:59:54.479 Like they're telling me I can be part of this 2106 01:59:54.560 --> 01:59:57.800 particular field. How many people can be part of each 2107 01:59:57.880 --> 01:59:58.760 particular field? 2108 01:59:58.800 --> 02:00:00.079 Do you know? 2109 02:00:00.000 --> 02:00:01.680 You know it's going to be dependent on how big 2110 02:00:01.680 --> 02:00:04.439 that solar field is, where it's located, the asthmuth of 2111 02:00:04.479 --> 02:00:06.319 the array, all of those details. 2112 02:00:05.960 --> 02:00:07.840 Which I won't have access to neither will you. 2113 02:00:08.319 --> 02:00:10.399 Even if you called Excel to ask them questions on that, 2114 02:00:10.399 --> 02:00:12.800 they wouldn't know which one they're talking about setting you 2115 02:00:12.880 --> 02:00:13.159 up with. 2116 02:00:13.680 --> 02:00:16.840 You know, it reminds me almost in the old days, 2117 02:00:17.119 --> 02:00:20.159 and they still do it for developing what's called water rights. 2118 02:00:21.199 --> 02:00:26.600 Water rights were offsetting, in other words, in order to 2119 02:00:26.720 --> 02:00:29.920 build it. When I did a development somewhere, even though 2120 02:00:29.960 --> 02:00:32.279 I was in this part of the country, if I 2121 02:00:32.319 --> 02:00:34.840 wanted to put in a well, or people that live 2122 02:00:34.920 --> 02:00:37.760 there put in wells, or I wanted to put in 2123 02:00:37.800 --> 02:00:41.600 a water system, and I wasn't tied to a municipal 2124 02:00:41.640 --> 02:00:46.520 water system, I had to buy water rights. Theoretically, a 2125 02:00:46.560 --> 02:00:50.600 water right is not really taking the water. It's just 2126 02:00:50.720 --> 02:00:53.960 saying that I'm buying the rights out of this aqua 2127 02:00:54.039 --> 02:00:56.359 for in order to be able to do a well 2128 02:00:56.399 --> 02:00:59.840 over here. The water was not actually transported to me, 2129 02:01:00.319 --> 02:01:03.479 but it was allotted for to keep people because there's 2130 02:01:03.520 --> 02:01:06.239 only so many water rights, so it kept people from 2131 02:01:06.319 --> 02:01:07.880 overdrilling it. 2132 02:01:08.760 --> 02:01:11.439 I know this might sound like a bad analogy, but 2133 02:01:11.479 --> 02:01:11.760 it's not. 2134 02:01:12.720 --> 02:01:16.640 It's almost like saying, if we put in enough solar 2135 02:01:16.760 --> 02:01:21.840 energy over here, we can theoretically allot it to you, yep. Okay, 2136 02:01:22.159 --> 02:01:25.439 even though even though it's not going directly to your house, 2137 02:01:25.479 --> 02:01:28.479 it's going into the grid, and by giving you a 2138 02:01:28.520 --> 02:01:31.800 ten percent discount, we're allotting some of that to you, yep. 2139 02:01:31.800 --> 02:01:33.640 And then they get to put you on a tally 2140 02:01:33.880 --> 02:01:38.079 for their filings to the federal government or whomever, to 2141 02:01:38.119 --> 02:01:40.840 say we have these many people sign up minds, and 2142 02:01:40.880 --> 02:01:42.680 then they can get so anyone. 2143 02:01:42.319 --> 02:01:45.000 Can sign up and get a ten percent discount if 2144 02:01:45.279 --> 02:01:48.279 if there's a solar field around, right or do they 2145 02:01:48.279 --> 02:01:52.359 have enough solar fields for everyone every one of their customers, 2146 02:01:52.359 --> 02:01:57.359 do you know? So that's the goal. Problemly, Excels in. 2147 02:01:57.479 --> 02:01:59.399 A couple of different states, so I don't know if 2148 02:01:59.399 --> 02:02:02.399 they're working on this program just in Colorado, because each 2149 02:02:02.520 --> 02:02:04.880 utility has to follow the state regulations. 2150 02:02:04.920 --> 02:02:08.279 In federal Colorado is the strictest. 2151 02:02:07.720 --> 02:02:09.840 One or the one that's pushing for the most renewable 2152 02:02:09.840 --> 02:02:12.039 So I would assume that Colorado's folks are the only 2153 02:02:12.079 --> 02:02:14.600 ones that have access to that in Excels territory right now. 2154 02:02:15.119 --> 02:02:17.720 Wow, people, I urge you to sign up for it. 2155 02:02:17.760 --> 02:02:22.880 I'm going to There's no downside, Monique. So listen, Monique, 2156 02:02:23.119 --> 02:02:29.760 you're hoa removed basically your Buddhist statue from out in 2157 02:02:29.800 --> 02:02:35.159 front of your apartment. Okay, Now here's what I've read 2158 02:02:35.359 --> 02:02:41.840 and looked at. They can they if they can't single 2159 02:02:41.960 --> 02:02:47.640 out the Buddha or even you know, maybe a statue 2160 02:02:47.680 --> 02:02:52.159 of Christ or any other religious figure, but they can 2161 02:02:53.399 --> 02:02:57.159 forbid or outlaw however you want to put it, prohibit 2162 02:02:58.239 --> 02:03:01.199 all statues. Does that make sense? 2163 02:03:02.159 --> 02:03:02.800 Absolutely? 2164 02:03:03.880 --> 02:03:04.199 Now? 2165 02:03:04.439 --> 02:03:05.680 And that totally makes sense. 2166 02:03:06.439 --> 02:03:10.600 So did you look around? Did you look around to 2167 02:03:10.720 --> 02:03:14.680 see if there are other statues out there that have 2168 02:03:14.840 --> 02:03:15.840 not been removed? 2169 02:03:17.479 --> 02:03:20.600 They aren't, to my knowledge, any statues, but there's different 2170 02:03:20.680 --> 02:03:23.600 kinds of churchgooes and chairs and things. But I also 2171 02:03:23.680 --> 02:03:29.199 know it wasn't a violation because the assistant manager at Hammersmith, Brianna, 2172 02:03:29.479 --> 02:03:33.800 called me and we had a lengthy conversation which I 2173 02:03:33.840 --> 02:03:38.439 actually recorded, where she stated we were not in any violation. 2174 02:03:39.039 --> 02:03:41.560 No violation has been issued. It was simply a warning 2175 02:03:41.760 --> 02:03:44.800 that was posted on the portal, and so I went 2176 02:03:44.840 --> 02:03:46.920 to our landlord. I said, please check the portal and 2177 02:03:46.960 --> 02:03:50.439 see what they're talking about. And she came back and said, oh, yes, 2178 02:03:50.479 --> 02:03:54.079 there was a message posted at six forty five pm 2179 02:03:54.359 --> 02:03:57.680 on Friday that in three days it would be removed. 2180 02:03:58.079 --> 02:04:00.640 And by Monday morning we see most morning we were 2181 02:04:00.640 --> 02:04:03.319 at work it was gone. But that was the extent 2182 02:04:03.399 --> 02:04:08.560 of their notification. And Brianna said, there was no violation 2183 02:04:08.600 --> 02:04:08.880 in it, but. 2184 02:04:08.920 --> 02:04:11.560 Hold on, what was the warning though, I still don't 2185 02:04:11.640 --> 02:04:13.399 understand the warning. What was the warning? 2186 02:04:13.720 --> 02:04:17.159 There was a photo taken and this was only off 2187 02:04:18.079 --> 02:04:20.800 This information came to me after we thought we had 2188 02:04:20.840 --> 02:04:24.960 been loved. On the portal there was a photograph taken 2189 02:04:25.039 --> 02:04:28.399 off the buddha saying we don't know who's this who 2190 02:04:28.479 --> 02:04:31.800 this Buddha belongs to? Picture taken at our front door 2191 02:04:32.399 --> 02:04:36.239 and if it's not claimed within three days, we will 2192 02:04:36.279 --> 02:04:36.960 be removing it. 2193 02:04:38.359 --> 02:04:40.960 Okay, but wait, wait, what if you did hold on? 2194 02:04:41.279 --> 02:04:43.119 What if you did claim it? Would they let you 2195 02:04:43.199 --> 02:04:44.039 keep it outside? 2196 02:04:45.399 --> 02:04:46.600 I don't know the answer to that. 2197 02:04:47.319 --> 02:04:49.239 Well, that's what we have to find out, Monique. 2198 02:04:50.319 --> 02:04:52.600 Yeah, but also but we have to know. 2199 02:04:52.520 --> 02:04:55.439 Though, that's what we have to find out totally. I'm 2200 02:04:55.479 --> 02:05:00.600 going to give this here's what I want to know, 2201 02:05:01.079 --> 02:05:03.239 Here's what I want to know specifically. I want to 2202 02:05:03.279 --> 02:05:07.000 know what is allowed outside the rules are vague, and 2203 02:05:07.039 --> 02:05:09.319 can they show us in writing what is allowed and 2204 02:05:09.359 --> 02:05:12.319 what's not allowed? Monique, I'm just going to ask you 2205 02:05:12.399 --> 02:05:18.920 straight up, are you suspecting it was removed because it 2206 02:05:19.000 --> 02:05:23.000 is a statue of Buddha. 2207 02:05:24.319 --> 02:05:26.840 I can't speak to the motivation. All I can speak 2208 02:05:26.840 --> 02:05:31.039 to is once we claim the property, does Adriana Roberts, 2209 02:05:31.279 --> 02:05:34.239 project manager, who I have been going back and forth 2210 02:05:34.680 --> 02:05:37.600 for days, first of all, wouldn't tell me where our 2211 02:05:37.640 --> 02:05:40.760 property was. She made it seem like it was gone 2212 02:05:40.840 --> 02:05:45.079 in a storage locker that Hammersmith has in jail. Eventually 2213 02:05:45.119 --> 02:05:49.119 she told me it was at our in our property, 2214 02:05:49.199 --> 02:05:52.680 locked up. And today when I bumped into an hoa 2215 02:05:52.840 --> 02:05:57.239 board member who I kind of just I didn't really 2216 02:05:57.319 --> 02:05:59.520 know she was a board member, she kind of outed herself. 2217 02:06:00.199 --> 02:06:03.560 She find me release the Buddha that they had locked 2218 02:06:03.560 --> 02:06:05.239 away in the boiler room. 2219 02:06:05.800 --> 02:06:10.680 Now may I ask about this? Are this is for 2220 02:06:10.760 --> 02:06:13.079 you a religious expression? Right? 2221 02:06:15.600 --> 02:06:17.680 You know it's I don't want. 2222 02:06:17.560 --> 02:06:21.560 To well, but there's a reason. There's a reason I'm 2223 02:06:21.600 --> 02:06:25.479 asking because it has to do specifically with the law. Okay, 2224 02:06:25.680 --> 02:06:29.159 For example, would it be similar. Would it be similar 2225 02:06:29.199 --> 02:06:35.079 to let's say a Catholic having or a Catholic having 2226 02:06:35.119 --> 02:06:38.960 a statue of the blessed Virgin Mary or something? Would 2227 02:06:39.000 --> 02:06:44.520 it be kind of like, ok yes, okay, we need 2228 02:06:44.520 --> 02:06:47.119 to call over there and find out their rules and 2229 02:06:47.159 --> 02:06:50.279 how they're applying them and if you can put it 2230 02:06:50.319 --> 02:06:53.159 back out there. Let's not speculate right now. I want 2231 02:06:53.159 --> 02:06:56.960 to know. Hold On and Deputy Bow the great idea. 2232 02:06:57.039 --> 02:06:59.439 Let's just ask him three oh three seven one three 2233 02:06:59.520 --> 02:07:08.159 A two five go with a sure thing Denver's Best 2234 02:07:08.239 --> 02:07:11.119 roofer Excel Roofing dot com. You don't pay a cent 2235 02:07:11.319 --> 02:07:17.359 until you're content. Time for an insurance check up, free 2236 02:07:17.439 --> 02:07:21.479 no obligation comparison call Compass Insurance Paying too much your 2237 02:07:21.520 --> 02:07:24.520 coverage at dozens of insurance companies find out now three 2238 02:07:24.520 --> 02:07:27.039 oh three seven seven to one help. You'll think you're 2239 02:07:27.079 --> 02:07:29.600 his only customer when you choose Frank Durand the real 2240 02:07:29.680 --> 02:07:32.680 estate Man dot com to list your home with Remax 2241 02:07:32.720 --> 02:07:38.479 Alliance three oh three nine two zero sixteen twenty two. 2242 02:07:41.760 --> 02:07:46.479 Hi Tom Argosino, your troubleshooter. Three oh three seven one 2243 02:07:46.520 --> 02:07:49.680 three talk seven one three eight two five five Listen 2244 02:07:49.800 --> 02:07:52.760 when redrocks isn't here. They're at redrocksars dot com. Three 2245 02:07:52.800 --> 02:07:55.720 oh three seven zero four two four four nine. We're 2246 02:07:55.720 --> 02:07:56.960 not done with them. I just wanted to let you 2247 02:07:57.039 --> 02:08:00.159 know that seven zero four two four four nine. And 2248 02:08:01.039 --> 02:08:07.760 we're going to talk about getting finance and possibilities of investments. 2249 02:08:07.840 --> 02:08:11.680 If for commercial systems. They we talked about this before. 2250 02:08:11.720 --> 02:08:14.720 You can buy tax credits from those who can't use them, 2251 02:08:15.159 --> 02:08:17.640 and that seems like the slam dunk depending on the spread. 2252 02:08:17.680 --> 02:08:19.800 For example, let's say you know you're gonna pay one 2253 02:08:19.840 --> 02:08:23.199 hundred thousand taxes this year, so if you bought one 2254 02:08:23.239 --> 02:08:27.319 hundred thousand dollars in tax credits and you paid eighty 2255 02:08:27.359 --> 02:08:31.960 grand for them, you're gonna save twenty grand. That seems 2256 02:08:32.000 --> 02:08:35.760 pretty logical. Right. We'll talk about some of that right now. Dane, 2257 02:08:36.239 --> 02:08:41.199 you want to talk about your twenty sixteen Super outback. 2258 02:08:41.239 --> 02:08:41.840 What's going on? 2259 02:08:42.800 --> 02:08:46.159 Yes, sir, my mom came out for a visit after 2260 02:08:46.199 --> 02:08:49.279 my dad died and we went to the dealership day 2261 02:08:49.319 --> 02:08:52.840 before my birthday on the twenty ninth of June, and 2262 02:08:52.960 --> 02:08:56.640 she bought me this car outright, and okay. 2263 02:08:56.479 --> 02:09:00.600 And what's the problem with the car, Well, we didn't 2264 02:09:00.640 --> 02:09:03.199 find that out for quite a while, for about three weeks, 2265 02:09:03.279 --> 02:09:06.119 but I had to take it back for a week. Now, 2266 02:09:06.159 --> 02:09:08.680 did you I hate asking this, but I ask it 2267 02:09:08.720 --> 02:09:12.359 every time. Did you guys get the car checked before 2268 02:09:12.399 --> 02:09:13.039 you bought it? 2269 02:09:14.159 --> 02:09:16.800 We did not, independently, but they told us swore up 2270 02:09:16.800 --> 02:09:19.199 and down. The salesman said that it was gone through 2271 02:09:19.279 --> 02:09:25.359 head to toe obviously not ended up being about four 2272 02:09:25.399 --> 02:09:28.600 weeks after I got it, there was an oil light on. 2273 02:09:28.720 --> 02:09:31.720 We stopped and checked it immediately and no oil registered 2274 02:09:31.800 --> 02:09:32.680 on the dipstick. 2275 02:09:33.039 --> 02:09:35.640 Well, did you guys, did you guys check it during 2276 02:09:35.680 --> 02:09:38.199 that four weeks? Check the oil? No? 2277 02:09:38.399 --> 02:09:39.479 Everything was fine. 2278 02:09:39.960 --> 02:09:42.840 I understand, But in other words, you never checked the 2279 02:09:42.960 --> 02:09:47.600 oil because normally you you regularly how many miles on 2280 02:09:47.600 --> 02:09:48.039 this car? 2281 02:09:48.840 --> 02:09:50.319 One and eight to begin on? 2282 02:09:50.560 --> 02:09:53.479 Normally with one hundred, especially with that much, normally you 2283 02:09:53.520 --> 02:09:55.199 would check it. You know what I'm saying, You would 2284 02:09:55.279 --> 02:09:58.399 like when you fill up for gas, you check your oil. Now, 2285 02:09:58.439 --> 02:10:00.920 I'm going to be honest with you. iHeart do it 2286 02:10:00.960 --> 02:10:03.520 because I have the gauges inside to look at, and 2287 02:10:03.560 --> 02:10:06.680 it's a newer car, but I think with an older 2288 02:10:06.720 --> 02:10:09.359 car it's almost ten years old. And then it's also 2289 02:10:09.760 --> 02:10:12.399 well it's eight years old, and then you have that 2290 02:10:12.479 --> 02:10:17.279 many miles, you would probably how many minds you said 2291 02:10:17.279 --> 02:10:19.359 about one hundred and twenty right or whatever? One hundred 2292 02:10:19.359 --> 02:10:23.880 and thirty yeah, right, Yeah, So I don't know, man, 2293 02:10:24.159 --> 02:10:26.800 I would, I would make sure I had checked it, 2294 02:10:26.840 --> 02:10:30.119 but you found four weeks later no oil. Tell me 2295 02:10:30.600 --> 02:10:33.520 is the engine toast right now? No? 2296 02:10:33.680 --> 02:10:35.560 But I just had a call that they had fixed it. 2297 02:10:35.880 --> 02:10:38.520 There's so much that happened in between them, and I 2298 02:10:38.600 --> 02:10:40.560 never got a straight answer. And then at one point 2299 02:10:40.600 --> 02:10:42.720 they came on and said that no, it's not fixable. 2300 02:10:43.000 --> 02:10:45.239 Let's get you in a different car. So we go 2301 02:10:45.319 --> 02:10:46.520 in and meet with the same salesman. 2302 02:10:46.560 --> 02:10:48.640 Anything, Hold on, you didn't do that, did you? Did 2303 02:10:48.680 --> 02:10:50.640 you get into a new car? No? 2304 02:10:51.439 --> 02:10:53.840 He wanted six thousand more dollars, but was only giving 2305 02:10:53.840 --> 02:10:55.600 me thirteen thousand towards. 2306 02:10:56.279 --> 02:10:59.000 I need to know this particular car. Let's talk about it. 2307 02:10:59.199 --> 02:11:01.840 What's wrong with it? What's wrong with it? 2308 02:11:01.840 --> 02:11:05.960 It turned out to be that kim kit carrier seals 2309 02:11:06.000 --> 02:11:09.760 were leaking into the engine cover underneath. 2310 02:11:11.279 --> 02:11:13.960 Okay, and what did they say? Hold on? What did 2311 02:11:14.000 --> 02:11:15.319 they say that would take to fix? 2312 02:11:16.720 --> 02:11:20.319 They wanted me to pay fourteen after three weeks of 2313 02:11:20.399 --> 02:11:23.359 owning it, and they had it for one of those weeks, 2314 02:11:23.640 --> 02:11:25.239 and I know that unacceptable. 2315 02:11:25.279 --> 02:11:27.479 Well, she came back, did you take it somewhere else, Dane? 2316 02:11:27.520 --> 02:11:29.199 Did you take it anywhere else to check? 2317 02:11:30.039 --> 02:11:31.359 No, they've had it since then. 2318 02:11:33.079 --> 02:11:35.239 Okay, I had, Dane. I'm gonna get Let me give 2319 02:11:35.239 --> 02:11:37.840 you some cold hard facts. Unless they lied to you 2320 02:11:37.960 --> 02:11:40.880 or cheated you, and I know you think they did, 2321 02:11:40.960 --> 02:11:46.159 but I'm talking about fraudulently to where you can prove it. 2322 02:11:46.159 --> 02:11:53.640 It's going to be difficult, really difficult to claim they 2323 02:11:53.720 --> 02:11:56.359 owe you anything on an as is car. Now I 2324 02:11:56.520 --> 02:12:00.279 get you four weeks later. You know you found no oil? 2325 02:12:00.359 --> 02:12:03.119 You said, right right, and. 2326 02:12:03.239 --> 02:12:06.159 You have do your warranty on their use vehicles. 2327 02:12:06.640 --> 02:12:10.560 Wait a minute, it is covered. Wait a minute. Do 2328 02:12:10.600 --> 02:12:12.479 you you bought that with a warranty? 2329 02:12:13.800 --> 02:12:15.560 All of Shuburger's used cars? 2330 02:12:16.239 --> 02:12:23.720 Now, where is schu Burger? Where are they located? Shu Burger? Okay, 2331 02:12:23.800 --> 02:12:28.279 so they have a two year warranty. So did they 2332 02:12:28.359 --> 02:12:29.680 tell you this is covered? 2333 02:12:31.720 --> 02:12:35.880 He mentioned it when we first bought the car. Briefly 2334 02:12:36.640 --> 02:12:39.680 after this happened, and he had us come into I'm 2335 02:12:39.680 --> 02:12:41.479 thinking they're just going to trade me out to this 2336 02:12:41.560 --> 02:12:45.920 newer car when during newer but no, he said that 2337 02:12:46.079 --> 02:12:48.039 it wasn't covered and I asked him why and he said, 2338 02:12:48.079 --> 02:12:48.520 I don't know. 2339 02:12:49.159 --> 02:12:52.279 I said, well, well, where can I find out about you? 2340 02:12:52.479 --> 02:12:57.560 How are you spelling Huburger's h e U B h oh? 2341 02:12:57.840 --> 02:13:03.279 Hold on h h e U B. I got it 2342 02:13:03.640 --> 02:13:06.840 b e R g e R super up. I found 2343 02:13:06.840 --> 02:13:12.359 it in Colorado Springs, right, yeah, I found it. They 2344 02:13:13.000 --> 02:13:16.319 have really they have really really good ratings. 2345 02:13:17.119 --> 02:13:20.039 I know that, but I've definitely have a new GM recent. 2346 02:13:22.319 --> 02:13:26.680 Oh man, let's you know what, I think we should 2347 02:13:26.680 --> 02:13:30.239 call them. I really think we should have somebody check 2348 02:13:30.319 --> 02:13:32.119 this out. Hey, Doc, is he there? 2349 02:13:33.359 --> 02:13:33.560 Hey? 2350 02:13:33.600 --> 02:13:36.880 Doc, this looks like a pretty good dealership. I'm not 2351 02:13:36.920 --> 02:13:39.520 saying that they didn't do anything wrong, but if they 2352 02:13:39.560 --> 02:13:42.119 have a warranty, I don't know if they have a 2353 02:13:42.159 --> 02:13:44.399 warranty or not. I mean, you didn't get a written 2354 02:13:44.399 --> 02:13:47.279 warranty of any kind. You didn't get the car checked out, Dane. 2355 02:13:47.479 --> 02:13:49.800 You got weak footing here. We're not going to tell 2356 02:13:49.800 --> 02:13:52.600 them that, but it's gonna be weird. We gotta we 2357 02:13:52.680 --> 02:13:54.479 got to try to get you some help. I mean, 2358 02:13:56.760 --> 02:14:00.560 I have called the Advocacy Center now we're here's what's 2359 02:14:00.600 --> 02:14:02.159 that the advocacy center. 2360 02:14:03.800 --> 02:14:05.079 I couldn't really answer that. 2361 02:14:06.600 --> 02:14:10.119 I don't know what that is. We are an advocacy center, 2362 02:14:10.159 --> 02:14:14.600 I mean, you know, in other words, and well, what 2363 02:14:14.640 --> 02:14:15.239 I mean is this. 2364 02:14:15.680 --> 02:14:17.439 Anybody can call themselves an advocate. 2365 02:14:17.479 --> 02:14:19.880 I just don't want you getting hooked on somebody that 2366 02:14:20.039 --> 02:14:25.039 they didn't want anything from you, did they No? Okay, okay, good, 2367 02:14:25.439 --> 02:14:28.359 we will talk to you off the air, And here's 2368 02:14:28.399 --> 02:14:31.600 what we're gonna do. We're gonna examine the warranty thing 2369 02:14:32.119 --> 02:14:34.520 and also just talk to them to see if they 2370 02:14:34.520 --> 02:14:37.520 can do anything about you. They have really good ratings. 2371 02:14:37.600 --> 02:14:40.640 I don't think we're dealing with a shlock business. And 2372 02:14:40.680 --> 02:14:44.239 they might be, they might do something. They it just 2373 02:14:44.319 --> 02:14:47.119 strikes me as a just from what I'm seeing here, 2374 02:14:47.720 --> 02:14:50.640 they doc they strike me as a pretty good place, 2375 02:14:50.800 --> 02:14:51.000 you know. 2376 02:14:51.239 --> 02:14:56.119 Yeah, I'll talk to Dan, I'll talk to the company, 2377 02:14:56.119 --> 02:14:59.000 find out what's going on, and hopefully have a report 2378 02:14:59.039 --> 02:14:59.840 for you by tomorrow. 2379 02:15:00.439 --> 02:15:02.920 Dane, what did your mom pay for this? 2380 02:15:04.119 --> 02:15:06.640 Fifteen eight hundred? And they were only going to give 2381 02:15:06.640 --> 02:15:09.960 me thirteen towards a new vehicle, a different vehicle and 2382 02:15:10.680 --> 02:15:14.000 ordered that money though, And he said I don't know. 2383 02:15:14.840 --> 02:15:19.600 Well, well, Dane listen, Dane, listen, you are going to 2384 02:15:19.640 --> 02:15:22.920 be responsible for something. I mean, I don't know what 2385 02:15:23.039 --> 02:15:26.359 you just yet. Let's just figure this one out. I 2386 02:15:26.479 --> 02:15:28.680 just want to know how that went bad so fast? 2387 02:15:28.920 --> 02:15:32.399 We got more coming right up. I'm Tom Martine. Go 2388 02:15:32.479 --> 02:15:36.199 with a sure thing, Denver's best roofer Excel Roofing dot com. 2389 02:15:36.239 --> 02:15:41.960 You don't pay a cent until you're content. Time for 2390 02:15:42.000 --> 02:15:45.159 an insurance check up free, no obligation. In comparison, call 2391 02:15:45.279 --> 02:15:48.600 Compass Insurance paying too much your coverage at dozens of 2392 02:15:48.640 --> 02:15:51.359 insurance companies find out now three O three seven to 2393 02:15:51.359 --> 02:15:54.159 seven to one help. You'll think you're his only customer 2394 02:15:54.199 --> 02:15:56.439 when you choose Frank durand the real estate Man dot 2395 02:15:56.479 --> 02:16:00.399 com to list your home with Remax Alliance nine two 2396 02:16:00.479 --> 02:16:08.960 zero sixteen twenty two. Hi Tom Martino here three oh 2397 02:16:08.960 --> 02:16:12.199 three seven one three talk seven one three A two 2398 02:16:12.239 --> 02:16:16.199 five five. Very interesting day. Let's finish up with birdvoxrs 2399 02:16:16.279 --> 02:16:19.000 dot com, Redroxsmoof and Solar. All right, I'm gonna go 2400 02:16:19.039 --> 02:16:22.159 to a white shot here. Okay, so Brooke on the 2401 02:16:23.680 --> 02:16:27.840 on the solar system we're doing here, If we do 2402 02:16:28.479 --> 02:16:32.959 a complete solar system at home. What is the total 2403 02:16:33.000 --> 02:16:35.399 tax credit you can get for a residential system? Is 2404 02:16:35.399 --> 02:16:36.920 it forty or thirty percent? 2405 02:16:37.680 --> 02:16:40.440 It depends on what's tied to that house. But if 2406 02:16:40.479 --> 02:16:43.000 it's just a normal residential and no small business tied 2407 02:16:43.040 --> 02:16:46.600 to it, right now, thirty percent is guaranteed. They're considering 2408 02:16:46.639 --> 02:16:49.520 the additional ten percent as a domestic or buy American 2409 02:16:49.600 --> 02:16:50.600 to be for residential. 2410 02:16:50.600 --> 02:16:53.079 Two, but right now it's just for commercial. 2411 02:16:54.799 --> 02:16:57.079 It was for both and then they took it back, 2412 02:16:57.280 --> 02:16:58.159 so it don't sure. 2413 02:16:58.280 --> 02:17:03.559 Yeah, so right now tax credits for a business system, 2414 02:17:03.559 --> 02:17:06.879 a commercial system yep. And then two if the products 2415 02:17:06.879 --> 02:17:10.120 are sourced in the US yep, which yours are. Okay, 2416 02:17:10.639 --> 02:17:12.760 could I theoretically I'm not saying I would do this, 2417 02:17:12.879 --> 02:17:15.440 but I'm asking people because everyone's thinking this. So I 2418 02:17:15.440 --> 02:17:18.000 have this studio here at this house. So if I 2419 02:17:18.040 --> 02:17:21.920 put a solar system here, is it considered commercial or 2420 02:17:21.959 --> 02:17:24.280 residential as long as. 2421 02:17:24.079 --> 02:17:26.959 The installation agreement is signed by the business. As far 2422 02:17:27.000 --> 02:17:29.239 as tax purposes go, it's tied to the business. 2423 02:17:29.479 --> 02:17:33.760 Okay. So you can have like farms and stuff like that, 2424 02:17:33.879 --> 02:17:35.040 do commercial systems? 2425 02:17:35.600 --> 02:17:40.319 Yeah, tax considered commercial is different than actual and you do. 2426 02:17:40.239 --> 02:17:44.239 Have people selling tax credits right now, if people contacted you, yep, 2427 02:17:44.319 --> 02:17:47.399 all right, that's redrocksars dot com. 2428 02:17:47.639 --> 02:17:49.399 And don't forget three oh three Martino