Speaker 1: Yeah, ripped tough news needed by so you don't have
Speaker 1: come running Just as fast as we can.
Speaker 2: Shooter's gonna help come. Man.
Speaker 3: Six is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 4: Tom Martino here, Welcome to the show. Three oh three
Speaker 4: seven one three talk is the number into the station,
Speaker 4: and then we have our own Troubleshooter number.
Speaker 5: You can call twenty four to seven.
Speaker 4: And when you call that number, it comes to us
Speaker 4: whether we're in the studio. Then you can go on
Speaker 4: the air or in our offices or homes, or it
Speaker 4: is forwarded to us and we promise to call you
Speaker 4: back and get you on the next show. So you
Speaker 4: can always be part of this show, get help, information
Speaker 4: and referrals. Speaking of which, I've been doing this for
Speaker 4: forty five years in Denver, more elsewhere, the longest running
Speaker 4: radio show with the same host, recovering hundreds of millions
Speaker 4: of dollars and cash, merchandise, exchanges, refunds, and services. Now
Speaker 4: today we talk about your problems, questions and complaints. But
Speaker 4: each day we have a mini theme. One of the themes
Speaker 4: today is solar. We have Brooke with us. Brooke quite
Speaker 4: from her Jeez, I'm having a brain fart.
Speaker 5: Don't tell me. If you tell me, I'd be upset.
Speaker 4: But anyway, she's with Red Rocks RS or Red Rocks
Speaker 4: roof and solar. And here's the thing, here's the thing
Speaker 4: about solar. People don't really understand it still, and I
Speaker 4: fault a lot of solar contractors. A lot of them
Speaker 4: go to your door and they knock on the door
Speaker 4: and they sell you a system, You sign a contract
Speaker 4: in you never see those people again. They really are
Speaker 4: just salespeople, just like during a hailstorm, and roofers that
Speaker 4: come to the door aren't really roofers. They just sell
Speaker 4: your contract. Or when you're looking to move and you
Speaker 4: go online and you look for a moving broker, and
Speaker 4: that's what you get, a broker who sells your contract
Speaker 4: sucks And really and truly it's not a good industry.
Speaker 4: It's not regulated, not really is it Brooke is it regulated?
Speaker 4: It's not right solar, I mean, anyone could call themselves
Speaker 4: a solar contractor.
Speaker 6: Right in Colorado, solars very regulated, but like very in
Speaker 6: what way depending on the jurisdiction. You have to have
Speaker 6: a variety of qualifications, including NAB sub certification, your WACESE.
Speaker 5: Contractor to install it or to service it.
Speaker 6: So to sell it on the contract, it has to
Speaker 6: have the master electricians license and the electrical contract your
Speaker 6: license for who will be installing it. So they can't
Speaker 6: just sell you a contract and then sell it to
Speaker 6: somebody on the open market.
Speaker 4: Well, no, but they can sell it to something, but
Speaker 4: they can be still a third party with a pre arrangement.
Speaker 7: As long as the EC and theme.
Speaker 4: Are noted on the contract.
Speaker 6: Yep, that's all that's required. Okay, But yeah, to sell it.
Speaker 5: You're right.
Speaker 4: A lot of these installers, a lot of these companies, frankly,
Speaker 4: a lot of bad ones, have independent contractors going to
Speaker 4: the door selling for them.
Speaker 7: Yes they can.
Speaker 6: But outside of the state of Colorado, even installing it,
Speaker 6: you don't have to have nearly all the qualifications you're
Speaker 6: talking about.
Speaker 4: I'm glad there's some qualifications in Colorado, mostly for the
Speaker 4: technical part. And then why do we have so many
Speaker 4: screwed up systems? Then? Because we do. Every time you're
Speaker 4: on people call with screwed up systems.
Speaker 6: Why so if you're installing where there's hardly any regulation,
Speaker 6: like say Texas, and then you come here to install
Speaker 6: in Colorado, where we have got windload and snell load.
Speaker 7: You're not going to know what needs to happen to
Speaker 7: make it happen.
Speaker 6: And then they just don't take the time to sit down,
Speaker 6: and so.
Speaker 4: There are no inspections like there are with building a
Speaker 4: garage or a putting in a patio.
Speaker 7: In Colorado, there are.
Speaker 6: That's why there's so many systems installed but don't pass inspection.
Speaker 6: And the financing companies don't care if it passes inspection.
Speaker 7: They just care if the job got installed.
Speaker 4: All right, coming up, I'm going to talk about how everyone,
Speaker 4: almost everyone right now, because of solar, can get a
Speaker 4: ten percent reduction on their electric pills. You may have
Speaker 4: gotten a mailer. I thought it was kind of scammy,
Speaker 4: but I looked at it. I asked Brook about it,
Speaker 4: and we'll talk about it. This is really important.
Speaker 5: Everyone can save ten percent right now, right now.
Speaker 4: I'll even tell you how to do it. Steve's turn. Steve,
Speaker 4: you're on the Tom Martino Show. What's going on with you, sir?
Speaker 8: Hi?
Speaker 9: Tom? I'm pretty good to help you, well too, I am.
Speaker 9: What's happened a in the Interstate. I was leaving Lineman
Speaker 9: and my car broke down. They told me the Lineman,
Speaker 9: and they put in an alternator.
Speaker 4: And I got all the way to now now who
Speaker 4: put the alternator in?
Speaker 9: Uh charges garage or something in charging something?
Speaker 4: Okay?
Speaker 9: And I got one hundred and eighteen miles out to
Speaker 9: Idaho Springs and the alternator went bad again.
Speaker 4: Okay, so hold on, hold on. So the garage that
Speaker 4: put it in, they they usually they they warranty their
Speaker 4: repairs or the parts warranted. But there's a problem if
Speaker 4: your alternator keeps going out, and I question whether or
Speaker 4: not the alternator's out or was it a circuit that's
Speaker 4: out or a diode that's out, and uh so anyway,
Speaker 4: so keep going.
Speaker 9: So anyway, nobody around Idaho Springs can get me repaired.
Speaker 9: I had told the silver to arm to good Way Auto.
Speaker 9: They did diagnostics and they said, yeah, well the alternator
Speaker 9: and they put a new one in. And it's been
Speaker 9: about two weeks now. I got money back from George
Speaker 9: and Sons for.
Speaker 4: The When you say you said George and Sons like
Speaker 4: George Washington, that's correct, Okay, go ahead.
Speaker 9: And so anyway, George and Sons gave me money back
Speaker 9: to the alternator because it was the part was warranted.
Speaker 9: But I had to pay labor twice.
Speaker 4: And I you know, well, normally, normally, let me explain
Speaker 4: this to you. Normally warranties only cover parts, well some
Speaker 4: cover parts in labor, but it's really the conditions on
Speaker 4: which it was warrantyed. So, how much was the labor?
Speaker 4: Because the labor that you had to pay for you
Speaker 4: shouldn't have had to pay for. Was that the second place?
Speaker 4: How much was that labor at the second place? Yeah?
Speaker 8: About a grand the labor?
Speaker 4: Yeah? For an alternator?
Speaker 9: Wow, Well it's about it was about. It's a Toyota Tundra.
Speaker 9: They say it's worth six hours of work by book
Speaker 9: to take at least four hours to do it.
Speaker 4: I guess I want to find out from our auto expert,
Speaker 4: just for the heck of it. That's the first thing
Speaker 4: I want to do. So what did George and sons
Speaker 4: say about paying for the labor?
Speaker 9: They didn't say anything about that.
Speaker 4: Well, did you ask about it?
Speaker 10: I did?
Speaker 9: I didn't.
Speaker 4: Okay, Well why don't you ask him? I mean, I
Speaker 4: suspect the warranties terms and conditions are what most of
Speaker 4: them are. Parts are covered, not labor, right, However, I mean,
Speaker 4: you know, I don't know I mean, you know, it
Speaker 4: was like in the pure sense of the transaction. In
Speaker 4: the pure sense of it, there was no way for
Speaker 4: George and Sons to know it was a defective part.
Speaker 4: They did the job. Now on your part, you shouldn't
Speaker 4: be held responsible either, So then you would say, well,
Speaker 4: I'm going to go after the manufacturer then because I.
Speaker 5: Got a bad alternator.
Speaker 4: However, I am positive the alternator people have a pre
Speaker 4: existing warranty that only covers the part, and it's really
Speaker 4: up to us. This is an age old problem. Should
Speaker 4: labor be covered? It happens all the time where people
Speaker 4: get pissed off. Man, you should see like roofing guarantees.
Speaker 4: I imagine the roof being covered but not the labor,
Speaker 4: and the manufacturer says, we're happy to pay for the roof,
Speaker 4: but not the labor. This is something that I don't
Speaker 4: think you're gonna win, but unless you were promised it
Speaker 4: and didn't get it. However, if you want to take
Speaker 4: a flyer, you can do small claims court against the
Speaker 4: manufacturer or against Georgian Sons. But I see Georgian Sons
Speaker 4: totally blameless in this.
Speaker 9: Well, right, yeah, so I'm out about eight hundred Bucks
Speaker 9: in Labor that I feel like I got cheated and
Speaker 9: life and life's not fair.
Speaker 4: But you know I agree with you, by the way,
Speaker 4: just so you know I'm not disagreeing. I'm telling you
Speaker 4: the state. I'm telling you the state of affairs and
Speaker 4: how it works. I mean, we can call Georgian and
Speaker 4: sons all day long. But if they didn't do anything
Speaker 4: technically wrong, they installed it. And now if their installation
Speaker 4: caused the failure, that's something else. What did the guy
Speaker 4: say or the mechanics say, who replaced it?
Speaker 9: Yes, it was a bad alternator. He didn't say anything
Speaker 9: about workmanship or anything of that nature.
Speaker 4: Yeah, you're up in the air. Where are you normally?
Speaker 4: You were in Linemen? Then Idaho Springs? Where do you?
Speaker 4: Where are you normally? Like? Like, if you want to
Speaker 4: go to small claimscore? How far away is long Women
Speaker 4: or or that county? So?
Speaker 9: I work at a hospital in Hugo, Colorado, which is
Speaker 9: just down the road from Lineman. That play state in Lineman,
Speaker 9: And I also work at a hospital and live in Rifle, Colorado.
Speaker 9: So and that Garfield County.
Speaker 4: And it's okay, so Lincoln County is I just looked
Speaker 4: up Liman Lineman is in Lincoln County. Correct, You would
Speaker 4: have to go to Lincoln County online and fill out
Speaker 4: small claims, have them serve, go out.
Speaker 5: There and appear, and you would lose. In my opinion.
Speaker 4: Where was the Where was the alternator sourced?
Speaker 9: The fun that went bad was sourced from NAPA in Lineman.
Speaker 4: Oh okay, then that's the next that's the next place
Speaker 4: to go. Or you may sue both of them in
Speaker 4: small claims courret. Look, I personally do not think you're
Speaker 4: gonna win. I know it's a pain. I swear to
Speaker 4: you You're not the only one that the part versus
Speaker 4: labor happens all the time, all the time. I want
Speaker 4: to ask Brook with Solar, thanks for calling Steave. I
Speaker 4: really I don't know what you can do except take
Speaker 4: that flyer Brook in Solar. Let's say panels go bad,
Speaker 4: something goes bad, alternate I'm not alternate converter whatever they
Speaker 4: call it, the inverter. If it goes bad. The manufacturers
Speaker 4: have warranties on all this stuff.
Speaker 5: What about the solar industry? Is labor covered?
Speaker 7: It is, but a very low amount.
Speaker 6: So for me to roll a truck out for in
Speaker 6: phase problem, they only pay like twenty five bucks.
Speaker 5: Do you do you pay? Do you charge the consumer?
Speaker 4: Yeah?
Speaker 6: We usually say, hey, this is what we can get
Speaker 6: from en phase. This is what our normally hourly is.
Speaker 6: Are you okay making up the difference?
Speaker 4: Okay, that's just the way it is. Yeah, but do
Speaker 4: they know that going in parts and labor and what's
Speaker 4: covered and what's not.
Speaker 6: So I should make that as a little asterix for
Speaker 6: my clients. If there's an issue with it that I
Speaker 6: did the original install, then we cover that as.
Speaker 7: Part of our own war.
Speaker 4: You're talking about normal service. If you're called to service
Speaker 4: the system you did not install, Yeah, yep.
Speaker 6: But if we install it, then we cover parts in
Speaker 6: labor form for thirty years.
Speaker 4: Wow, Okay, that's the story there. That's really good now.
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Speaker 4: I want to mention something, Kelly. We had a caller
Speaker 4: on yesterday with real estate. They were both on a
Speaker 4: deed and need to get one off or something or both.
Speaker 4: Does that do you recall that?
Speaker 5: And and they want to know how you go about it?
Speaker 5: Remember that?
Speaker 4: Did you take a note of that because I wanted
Speaker 4: to get Brad O'Brien on today with them.
Speaker 11: Yes, and I've left them a message. Okay, good it
Speaker 11: was Rosa.
Speaker 4: Oh thank you? Okay, So Rosa I was on. I think, well,
Speaker 4: whatever it was, there were two people on deed and
Speaker 4: one of them they wanted to separate, and I said,
Speaker 4: you can only do that with cooperation of both. You
Speaker 4: can't force someone off a deed. But I'm sorry Rachel,
Speaker 4: Rachel and Richard. If we can get Rachel and Richard
Speaker 4: back on and figure out what their question was, but
Speaker 4: it had something to do with forcing someone off a deed,
Speaker 4: and I didn't think you could force someone off a deed.
Speaker 4: And then I have another question for him that came
Speaker 4: in elsewhere about a co signer on a loan. So
Speaker 4: when we get him on, I can probably ask him
Speaker 4: about both of those, or I can ask maybe even
Speaker 4: Brent Ivenson at Ideal Home Loans about the loan one,
Speaker 4: because we have two different questions. One is more loan oriented,
Speaker 4: one is more deed oriented, so either one. When Brad
Speaker 4: comes on, I can ask him three to zero, three
Speaker 4: seven one three talk three oh three seven one three
Speaker 4: eight two five to five, any calls, problems, questions, or complaints.
Speaker 4: Speaking of real estate, I did post a new social
Speaker 4: post on LinkedIn. I always go to LinkedIn, YouTube, Instagram,
Speaker 4: and TikTok. Now TikTok's a flyer. I mean, that's not
Speaker 4: my audience, but I just posted there anyway, and it's
Speaker 4: about the new, not the new, but the recent years.
Speaker 4: We hear about title lock, LifeLock, home lock, blah blah lock, and.
Speaker 5: What they say is.
Speaker 4: This is a valuable service because locks happen. Excuse me,
Speaker 4: title theft theft of title, theft of homes happen all
Speaker 4: the time. It doesn't you don't need the service. If
Speaker 4: you look at the social post, it'll outline why you
Speaker 4: don't need the service. But I can also tell you
Speaker 4: as well, you don't need the service. Now, have people
Speaker 4: seen the video circulating in social media with Venezuelan street gangs? Now,
Speaker 4: I hesitate personally to say Venezuelan's street gangs, except that's
Speaker 4: what they are. And I personally have helped Venezuelan families
Speaker 4: that are wonderful people, hardworking people, they're working their asses off,
Speaker 4: they're great people. Okay, I've helped them. Now, having said that,
Speaker 4: there are some, of course that aren't wonderful, right, just
Speaker 4: like with everyone. So that's why I hate saying it,
Speaker 4: because I hate saying, you know, they're emptying, they're insane, asylums,
Speaker 4: their prisons, and they're you know whatever, and that's all
Speaker 4: that's coming in. I just hate looking askance at all
Speaker 4: of them. However, let's just get to it. This video.
Speaker 4: Have you seen anyone dragged? Did you see it? It's
Speaker 4: a video of the street gang going through the hallways
Speaker 4: and knocking on doors collecting rent. I think kicking people
Speaker 4: out too, Yeah, and evicting people with guns, with guns,
Speaker 4: with guns.
Speaker 5: Now here's what's funny. In Colorado.
Speaker 4: They don't want you to have a gun, but these
Speaker 4: guys have guns freely, freely, So I guess guns are
Speaker 4: all right for illegal immigrants. And no one. No one
Speaker 4: is helping this property owner, no one. The story is circulating,
Speaker 4: it's been verified. Police have not been in there, no one.
Speaker 4: Border's not the Border patrol or whatever. Ice is not
Speaker 4: in there. No one is in there. These people have
Speaker 4: taken over an apartment house.
Speaker 11: Hey, Tom, Yes, we had Danielle Drurynsky on dan Kaplis yesterday.
Speaker 5: And Danielle is the owner or what is Danielle.
Speaker 11: Daniel Drinsky is on the Aura City councilor.
Speaker 4: Okay, I didn't know that. So what did she say?
Speaker 11: She's the one that actually circulated the video.
Speaker 5: Oh, that's right, I think I heard it now.
Speaker 11: She was very upset, corrupt, and we had her on yesterday.
Speaker 11: And this is a true story. It's very sad. But
Speaker 11: the landlords of the apartment have been so scared for
Speaker 11: their own lives.
Speaker 7: That they've just kind of taken off.
Speaker 11: They don't even go there anymore.
Speaker 4: My god. Yeah, So basically all you have to do
Speaker 4: is arm yourself and take over a property.
Speaker 5: Now that's a step up from squatters.
Speaker 11: Very interesting, it's a very interesting situation. Hold on, doctor,
Speaker 11: it's a very interesting situation. But we are trying to
Speaker 11: get Mayor Mike Kaufman on to address the situation because
Speaker 11: he's very well aware of it and he's on top
Speaker 11: of it. So we'll see where that goes from there.
Speaker 4: And Aurora never declared themselves a sanctuary city, did they never?
Speaker 12: So it's going to happen. Criminal has stop. Criminals have
Speaker 12: never had difficulty getting guns. It's only responsible people who
Speaker 12: go through the whole waiting period.
Speaker 4: Background checkers. We all know that, right, So you know,
Speaker 4: to say.
Speaker 13: They have guns is sort of just you know, I
Speaker 13: don't understand I swear to god, I don't understand the
Speaker 13: soft on crime, let anything go attitude that we've had
Speaker 13: since Biden's been in office.
Speaker 4: Let's just call it like it is, Okay, I don't
Speaker 4: care what you say that. No, this is not a
Speaker 4: political show. I'm not telling you to vote for Trump.
Speaker 4: I'm not telling you. All I'm saying is this this
Speaker 4: open border thing, and this crime is okay, thing, because
Speaker 4: to enforce crime as racist is just absolute bull crap.
Speaker 4: It's absolute. Crime is crime is crime, is crime. That's
Speaker 4: what it is. It's crime, and it's not right, just
Speaker 4: like shoplifting is not right, like none of that. And
Speaker 4: God almighty, why did we get the impression that enforced
Speaker 4: I mean that in itself is racist. To say enforcing
Speaker 4: the law is racist is racist because what we're saying
Speaker 4: is only minority people. Are people of color break the law?
Speaker 1: You know?
Speaker 4: This is amazing, This is amazing. So no, you know
Speaker 4: they're taking over private property with guns. So anyway, what's
Speaker 4: going on? Whose fault is this? Tell me whose fault
Speaker 4: is this? I can't wait for law and order. That's all.
Speaker 4: Not meanness, not disgusting meanness, not racism, just good old
Speaker 4: fashioned law and order because you can't take over somebody's property.
Speaker 4: Can you imagine owning a property and having a street
Speaker 4: game take it over? Now. I used to own some
Speaker 4: property downtown that was vacated. We were going to knock down.
Speaker 4: Well we did. We were knocking down the buildings and
Speaker 4: getting it ready to sell as a project.
Speaker 5: Right, this is a long story.
Speaker 4: Anyway, I had it fenced off and blocked off as
Speaker 4: much as possible. And back then it was popular to
Speaker 4: block off your property and keep it from being inhabited
Speaker 4: because it was considered dangerous.
Speaker 5: The city was on my ass.
Speaker 4: They would say, you're not doing enough to keep your
Speaker 4: property blockaded.
Speaker 5: We'd have fences.
Speaker 4: And barbed wire and boarded up homes and people who
Speaker 4: needed a place to stay. I hesitate to call them homeless,
Speaker 4: because I guess that's not right anymore, but they were homeless,
Speaker 4: or they were vagrants, mostly drug addicts and drunks, would
Speaker 4: break in and stay there. So, of course Westward, who
Speaker 4: hates my guts for many for fort they've been trying
Speaker 4: to get rid of me for forty five years. Westward
Speaker 4: did an article about me being a slum lord, and
Speaker 4: they had the nerve to do an article about me
Speaker 4: not keeping people out of there and at the same
Speaker 4: time having such deplorable conditions for these people, honest to god,
Speaker 4: look it up. Look it up. And then city council,
Speaker 4: this one city council woman was on my ass because
Speaker 4: I wasn't doing enough. I said, well, what do you
Speaker 4: have to do? At what point is it a law
Speaker 4: enforcement problem? So I'm wondering, is this apartment building being blamed.
Speaker 4: I wouldn't put it past law enforcement or government to
Speaker 4: do that. I was being blamed. I could not, I
Speaker 4: swear to God. You couldn't board up a property more.
Speaker 4: You could not fence off a property more than I did.
Speaker 4: Yet people were getting inside. This is different. These are
Speaker 4: people going into a residential apartment house and literally taking
Speaker 4: it over.
Speaker 5: I wonder if they're going to be blamed.
Speaker 4: You should have your own armed guards, don't depend on
Speaker 4: law enforcement. Glenn's got a comment. Go ahead, Glenn, then
Speaker 4: I'll take a quick break. Glenn. What's your comment? He had?
Speaker 8: In the last couple of weeks, they had these guys
Speaker 8: bum rush one of the gun stores, I think in Aurora,
Speaker 8: and you know they took off with like thirteen or fifteen.
Speaker 4: Guns that time.
Speaker 8: And I think they may have done that at another
Speaker 8: sporting good store somewhere else too. So yeah, they really
Speaker 8: don't have to care about waiting lists or waiting No they.
Speaker 5: Don't, No, they don't.
Speaker 4: That's right.
Speaker 5: I'm I got a bunch of textas.
Speaker 8: And be a law a lighting citizen, you've got to
Speaker 8: go through a waiting period and you got to get
Speaker 8: your name on a list and Yeah, it's great. You
Speaker 8: gotta love it, you know what I mean.
Speaker 4: I don't understand the open border thing. I honest to God,
Speaker 4: don't understand it. Now. I love immigrants who want to
Speaker 4: come here for a new life. It just has to
Speaker 4: be done in a systematic, orderly way. I mean, you
Speaker 4: can't just dump people and and this is what you
Speaker 4: get because you don't know what you're getting. I'm Tom Martinez.
Speaker 4: We have more coming up on The Troubleshooter Show. Three
Speaker 4: O three seven one three a two five five. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martinez here.
Speaker 4: Three oh three seven one three talk three all three
Speaker 4: seven one three eight two five five can't want to
Speaker 4: talk to Frank, who's calling in. I also have brooked
Speaker 4: with us from red rox RS. Now, remember, I'm going
Speaker 4: to talk about a couple of things today. I'm going
Speaker 4: to talk about how you can get a ten percent
Speaker 4: reduction in your electric bill, no matter who you are,
Speaker 4: without installing a solar system. I mean, solar is wonderful,
Speaker 4: you'll save way more than that, But without installing one,
Speaker 4: you can get a ten percent No gadgets, nothing to do,
Speaker 4: nothing to do except listen to me and sign up.
Speaker 4: That's right, ten percent off. Then we have another thing
Speaker 4: I want to talk about, the REAP grant, which is
Speaker 4: for commercial or residential excuse me, commercial or agricultural in
Speaker 4: the in the rural areas REAP grants. Okay, Frank, what's
Speaker 4: happening with you?
Speaker 14: Hi?
Speaker 15: Tom?
Speaker 4: How are you good? Now? Frank? Start your story over
Speaker 4: because I didn't. We didn't do it yesterday. Go ahead.
Speaker 15: Well, basically, I'm a contractor and I did some work
Speaker 15: for a for a veteran. Yeah, he had a home
Speaker 15: that the siding was really bad, so it was unensurable.
Speaker 15: He had to get it replaced. He couldn't paint there
Speaker 15: or whatever. He had to be replaced. We ended up
Speaker 15: replacing it. Well, let me back up. I did some
Speaker 15: work a year or maybe two years before that, and
Speaker 15: I had no problem with him. He did the roof
Speaker 15: and he paid, no problem.
Speaker 4: Okay, what did you do? You did?
Speaker 5: You did a siding job right for him?
Speaker 15: The most recently did the whole house, in the whole garage,
Speaker 15: the whole help be smart.
Speaker 4: Mm hmm.
Speaker 15: We tore we tore out the old one, put to
Speaker 15: do on on and.
Speaker 4: Okay, so what's the problem.
Speaker 15: So he has a mortgage on that and he's trying
Speaker 15: to refine him to pay me through the VA. But
Speaker 15: it's called New Day mortgage or something like that.
Speaker 4: That's probably just a broker. So the homeowner is trying
Speaker 4: to REFI yeah, now did you know this going in
Speaker 4: that he didn't have the money?
Speaker 15: Yes, because he a New Day called me and said, okay,
Speaker 15: send us your invoice the estimate, and I did. And
Speaker 15: then they came back and said, okay, yeah he qualifies
Speaker 15: for all this. I'll probably go ahead and do the work.
Speaker 15: And once you're done, we got money and scrow ready.
Speaker 4: And it's called New Day.
Speaker 15: Yeah.
Speaker 4: New Day was New Day, the one that held his
Speaker 4: first when you started the job.
Speaker 15: No, the first I don't know who holds the mortgage.
Speaker 16: I don't know.
Speaker 4: So he's trying to refine his home with a place
Speaker 4: called New Day, A new A new day. What's that? Yeah?
Speaker 4: And New Day now is giving? Okay? He was supposedly preapproved.
Speaker 15: Yeah, he was preapproved with his credits for and and
Speaker 15: and what happened?
Speaker 4: Why? So? So now what I imagine something went wrong with
Speaker 4: the loan. What's going on?
Speaker 15: Yeah? What happened with the loan is he has his
Speaker 15: son on there? He has his son as Oh.
Speaker 4: This is the one. Wait a minute, this is the
Speaker 4: one we were talking about that he's got to get
Speaker 4: his son off the deed right.
Speaker 15: Because he did. I guess they had a fallen out
Speaker 15: big time. So the son has no other one.
Speaker 4: And unless the sun signs, they can't get the loan
Speaker 4: right now? Will this man? Okay? Hold on now? So
Speaker 4: he got approved without his son's income and all.
Speaker 15: That, Yeah, because he well new they then probably didn't
Speaker 15: know that. I don't know how that works or I
Speaker 15: don't know if they did their homework or whatever.
Speaker 5: Is his son on the current loan?
Speaker 15: No, it's just it's just he put it on there.
Speaker 15: I guess because he's an older man.
Speaker 4: He put him on the deed, only not on the mortgage. Yeah,
Speaker 4: how long has the sun been on the loan? I
Speaker 4: mean the house?
Speaker 15: I don't know.
Speaker 8: I don't know.
Speaker 15: Anyway, I called a mortgage attorney or.
Speaker 4: We're going to get a real estate attorney. Katschina. You
Speaker 4: realize this is the one we wanted for Brad O'Brien.
Speaker 11: Right, I'm still trying to reach him.
Speaker 4: Okay, now here is the deal? Heap added him? How
Speaker 4: did he add him to the house.
Speaker 15: I don't know that either.
Speaker 4: Well, okay, we need Frank, we need information to help you. Okay,
Speaker 4: So can we talk to this veteran?
Speaker 15: This guy I guess yeah.
Speaker 5: I mean, does he know that you're calling me for help?
Speaker 15: Well, he's but it is almost a year coming up.
Speaker 15: But we finished the job and he got into a
Speaker 15: little bit of a depression and started quit paying some
Speaker 15: of his bills on the problem. Now he's not to
Speaker 15: even qualify because he didn't pay some of his credit
Speaker 15: cards bills.
Speaker 5: Frank, how much are you out on this job?
Speaker 15: Five over twenty five?
Speaker 3: Thou?
Speaker 4: Okay, did and you didn't put a lean on the house?
Speaker 15: Did you no, I haven't because if I do that.
Speaker 4: It's too late. It's too late.
Speaker 5: It's too late, bro, too late.
Speaker 4: Now, I have a few questions for you. He stopped paying,
Speaker 4: he got into a depression, stopped paying his bills.
Speaker 5: Is he being foreclosed on?
Speaker 15: No, he's paying, he's playing. It's out. Just some of
Speaker 15: his credit cards are, he told me. And I even
Speaker 15: talked to New Day again.
Speaker 4: Frank. Hold On, I got it. Hold On, Frank, I'll
Speaker 4: have some suggestion. I do have some suggestions. It's not
Speaker 4: going to be an easy road, bro. Hold On, I'm
Speaker 4: Tom Martine. Go with a sure thing US best rufer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three oh
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Martino, you're troubleshooter.
Speaker 4: Three O three seven one three talk seven one three
Speaker 4: eight two five five. So what's going on with you?
Speaker 4: What can we do to help you? Man? I'll tell you. Uh,
Speaker 4: we have a lot of great topics that come on
Speaker 4: come up on the show. Brad O'Brien is with me
Speaker 4: Olslaw dot com. I want to get right to him
Speaker 4: real quick. He may not be able to answer in
Speaker 4: this amount of time, so we'll call him back. But Brad,
Speaker 4: listen real quick. Just the first question that comes up.
Speaker 4: If let's say you you quit claimed or you got
Speaker 4: your son on on the title with you, and you
Speaker 4: have a falling out with your son, how do you
Speaker 4: get him off if he refuses to get off the title?
Speaker 4: Is there a way to do that? Uh?
Speaker 17: Get him to sign a deed back to you?
Speaker 4: Yeah, I mean it's and if without his cooperation, is
Speaker 4: there any kind of legal step I can take saying, look,
Speaker 4: I did it, he didn't pay any consideration. I want
Speaker 4: to take it back.
Speaker 17: Well, to undo it, to reform the deed that basically
Speaker 17: cancel the deed that you gave the proper to him.
Speaker 17: You have to maybe show some fraud and when you
Speaker 17: did that in first place.
Speaker 4: But if there wasn't fraud, if you willingly did it
Speaker 4: and now you changed your mind, that's just tough. Luck.
Speaker 17: Yeah, you can't just undo it without the other person
Speaker 17: signing a deed back to you.
Speaker 5: Holy crap.
Speaker 4: So if he sells this, can this guy come in
Speaker 4: and demand part of the money.
Speaker 17: Of course they're part owner and my default fifty to
Speaker 17: fifty ownership presumption.
Speaker 4: Brad o'brienolslaw dot com for real estate issue seven to
Speaker 4: zero three seven zero seventy three eighty eight more coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Please time for an insurance check up free, no obligation
Speaker 4: comparison call Compass Insurance paying too much your coverage at
Speaker 4: dozens of insurance companies find out now three oh three
Speaker 4: seven seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 1: Yeah, ripped you need so you don't.
Speaker 2: Have come run ins as a cam Shooter's gonna help.
Speaker 2: Come man, This is.
Speaker 3: The Troubleshooter show No Tom Martine.
Speaker 4: By Tom Martinez, You're a troubleshooter three O three seven
Speaker 4: one three talks seven one three eight two five five. Hey,
Speaker 4: what if you get a knock on the door and uh,
Speaker 4: there's some gang members saying you got to pay us
Speaker 4: rent from now on or we're evicting you.
Speaker 5: Really, what would you do?
Speaker 4: Now? I know you think, well, that's never gonna happen
Speaker 4: where I am. Well you most likely that's true judging
Speaker 4: by my audience. But but okay, not everyone is fortunate.
Speaker 4: So what happens? What would you do if you say, no,
Speaker 4: they got a gun. There an automatic weapons. Some of them
Speaker 4: look like ar fifteens. I mean, these people are walking
Speaker 4: around threatening people, and you know what, that's just fine.
Speaker 4: Our government sucks, Our state government surely sucks. We invite
Speaker 4: these people, and I say, these people, I'm not talking
Speaker 4: about the good immigrants who want a better life.
Speaker 5: But we have to discriminate.
Speaker 2: H Did I just say that?
Speaker 4: Yeah? We have to discriminate based on behavior and criminal activity.
Speaker 4: We have to have laws against crimes and against all
Speaker 4: of that.
Speaker 5: We are a nation of laws and we're a nation
Speaker 5: of humanity. Both you can have both.
Speaker 4: You see where I disagree with people in politics is
Speaker 4: when they're all one or the other. You can have
Speaker 4: sensible social programs to help people to help themselves. You
Speaker 4: can have equal opportunity, but you should not have equal outcomes.
Speaker 4: You can't. Sorry, move on. We can educate you, or
Speaker 4: help you or get you a job, but we can't
Speaker 4: make you perform. No one should try. If you listen
Speaker 4: to Kamala Harris, she's all about equity, not just equality.
Speaker 4: She believes equality doesn't go far enough. We must have equity.
Speaker 4: Equity is equal outcome. Well, how how's that going to work?
Speaker 4: How exactly does that work? You both do different jobs
Speaker 4: and get paid the same? How does how does equity work? Now? Look,
Speaker 4: there has to be a chance for everyone to be
Speaker 4: able to get ahead. But you can't make people perform. Now,
Speaker 4: those unfortunate who can't perform, they should be helped, of course.
Speaker 4: Three zero three seven one three talks seven one three
Speaker 4: A two five five. Frank called in. We got a
Speaker 4: terrible situation, you're Frank. This man made a dreadful mistake
Speaker 4: that a lot of kids make, and they put their
Speaker 4: this man that'll they put their kids on the deed
Speaker 4: or the title they put them on there, and the
Speaker 4: way they do that is with a quit claim deed
Speaker 4: or some other way they feel like, oh, I'm going
Speaker 4: to die soon, or as I get older, I want
Speaker 4: my kids to have the house. The worst thing you
Speaker 4: can do is do it during life. You do it
Speaker 4: after death. You do it with a beneficiary's deed or
Speaker 4: a will or even a trust.
Speaker 5: Because, first of all, when you do a quit.
Speaker 4: Claim deed, if you wanted to leave your house to
Speaker 4: a kid, let me give you an example of what happens.
Speaker 4: Let's say you're one of these old codgers who paid
Speaker 4: one hundred and seventy five thousand for your home and
Speaker 4: it's now worth eight hundred thousand. Think about this now, Okay,
Speaker 4: so you have a lot of equity in that house.
Speaker 4: If you sold it, you'd pay capital gains tax. So
Speaker 4: let's say eight seventy five, and you pay, and you paid,
Speaker 4: I don't know, let's just take some numbers, and you
Speaker 4: paid one to eighty five. Let's just do that. So
Speaker 4: you have six hundred ninety thousand dollars in equity, that's
Speaker 4: six ninety you'll pay capital gains tax on everything above
Speaker 4: two point fifty as an individual or five hundred as
Speaker 4: a couple. So when you that, that's what you pay.
Speaker 4: That's going to be a lot of tax. You don't
Speaker 4: get out of that. You get an exclusion, but you
Speaker 4: pay tax on the rest. So let's say you are
Speaker 4: getting older, you're seventy seventy five eighty, so you put
Speaker 4: your kids on the deed. As soon as you do that,
Speaker 4: they inherit your basis of one hundred eighty five thousand,
Speaker 4: that becomes their basis. What does that mean? That means
Speaker 4: if you die or when you die and they sell
Speaker 4: that house, they will have to calculate a basis of
Speaker 4: six hundred and ninety thousand or more. As the house
Speaker 4: goes up in value, they will be strapped with a
Speaker 4: ton of taxes because they're not going to get the
Speaker 4: exclusion either because it's not their primary residence. So they're
Speaker 4: going to end up paying almost half of that. Well
Speaker 4: not necessarily because it's capital gains, but they're going to
Speaker 4: pay a lot a lot. So what happens, You screwed them.
Speaker 4: But what's even worse, if you change your mind, you
Speaker 4: can't get them off the deed. The better way to
Speaker 4: do it as a beneficiaries deed or in a will,
Speaker 4: which you can change, so if you have a falling out,
Speaker 4: you can get them off it. But here's how that works.
Speaker 4: With a beneficiaries deed or a will, upon your death,
Speaker 4: they don't inherit your one hundred and eighty five thousand
Speaker 4: dollars bases. Their basis now goes to whatever the house
Speaker 4: was worth at death. So now let's say it was
Speaker 4: eight seventy five, as we talked about, So if they
Speaker 4: want to sell it, presumably they'll sell it for eight
Speaker 4: seventy five or a little less or a little more.
Speaker 4: There will be no tax. So when you put them
Speaker 4: on a quick clean deed, you are screwing yourself. You
Speaker 4: are strewing them, and you are paying needless taxes. That's
Speaker 4: what you're doing. So don't do it. But now, once
Speaker 4: you do it, how do you get them off it?
Speaker 4: You heard Brad O'Brien, our real estate attorneys say, you
Speaker 4: can't get them off the deed once you put them
Speaker 4: on unless they defrauded you somehow, and you can prove
Speaker 4: it they defrauded you into putting them on the deed.
Speaker 4: That's too much. So, Frank, this guy screwed not only
Speaker 4: that he no longer qualifies for a loan. So you're
Speaker 4: not going to like the solution I have. However, it
Speaker 4: could be pretty clever. You're ready for it. Frank did
Speaker 4: work on this a year ago, and Frank not only
Speaker 4: did work on the house, but he didn't get paid.
Speaker 4: The guy had to refy to get him paid. And
Speaker 4: what happened was he couldn't refi because the sun was
Speaker 4: on the deed. The sun refused to cooperate and the
Speaker 4: sun won't get off the deed. So Frank, you're twenty
Speaker 4: five grand? Is that right?
Speaker 15: Of course I've stre changed.
Speaker 4: Here's what I think. I think you didn't finish that job.
Speaker 4: I think you still have to go and do some
Speaker 4: more work on it to finish that original job. And
Speaker 4: I'm going to tell you why. And I'm only telling
Speaker 4: you if this was me. Okay, if this was me,
Speaker 4: I'm not telling you to do it. I would go
Speaker 4: back and finish trimming that siding job, and I would
Speaker 4: finish it up. Then I would submit an invoice for
Speaker 4: the whole job. Do you know why I'm telling you that?
Speaker 15: To do the mechanic clean because.
Speaker 4: You only have four months from the time you leave
Speaker 4: the job to do the mechanics lean. You have to
Speaker 4: give notice then file a lien. But you didn't leave
Speaker 4: that job last year. You still have to go back
Speaker 4: and finish it. When you file a lien, you can
Speaker 4: even do it with the cooperation of this guy if
Speaker 4: you want to be a good guy. I'm serious now,
Speaker 4: So what you do is file a lean, and then
Speaker 4: I would go and foreclose on that lean with this
Speaker 4: guy's cooperation, with a wink wink. If you're going to
Speaker 4: be a good guy, this is how I would do it.
Speaker 4: Then then what I would do is start a foreclosure action.
Speaker 5: And I would sue the other guy too, the Sun.
Speaker 4: Then I would offer to take the Sun off the
Speaker 4: lawsuit if he signs over his share to his dad,
Speaker 4: and you'll only go after the dad.
Speaker 18: Man.
Speaker 15: I know you could do that.
Speaker 5: Well, of course you can. You can settle and discuss anything.
Speaker 4: Now. If the Sun's sophisticated, he'll think, wait a minute,
Speaker 4: I don't have much risk here because if he sells
Speaker 4: the house, he's going to easily get paid his twenty
Speaker 4: five or twenty six grand.
Speaker 15: They'll have money.
Speaker 4: Yeah, yeah, if the Sun knows that, he but if
Speaker 4: you if you sue him, personally for that work. If
Speaker 4: he's on the deed, you can sue him. Even though
Speaker 4: you can't put a lien on it technically until it's done.
Speaker 4: Until within four months, you can still sue him. Whether
Speaker 4: or not that lian is found valid or not, you
Speaker 4: can still sue for payment you haven't been paid. But
Speaker 4: I would sue both of them personally once you start,
Speaker 4: and you can go to a good collection attorney to
Speaker 4: do this, and once you start this lawsuit, I would
Speaker 4: do both the lean and the lawsuit because even if
Speaker 4: the lean, even if the Sun or somebody says that's bogus,
Speaker 4: you didn't really do the job.
Speaker 5: You did it a year ago. I don't think anybody
Speaker 5: will do that.
Speaker 4: But if they figure out what you're trying to do
Speaker 4: and try to get the lean removed, it doesn't matter.
Speaker 4: You can still sue on the invoice. And when you
Speaker 4: sue that son, what do you think he'll do. He's
Speaker 4: going to be He's gonna be personally liable for it,
Speaker 4: and you don't even here's the problem. They can't The
Speaker 4: Sun can't say to you, Frank, you need to foreclothes
Speaker 4: on this house. He can't because the dad might say no,
Speaker 4: I'm not paying and I don't want to pay, so
Speaker 4: you're gonna put pressure on this son. So if this
Speaker 4: a hole thinks well I got a house, he can
Speaker 4: be held personally liable personally for the bill. And not
Speaker 4: only that, and you don't even have to do the
Speaker 4: lean Frank, you could just go and sue both of
Speaker 4: them right now for the twenty five grand I think
Speaker 4: it's called quantum marrowit meaning they got value and did
Speaker 4: not pay. And you can argue he got value because
Speaker 4: he's on the house, so now he's got value he
Speaker 4: didn't pay. Here's what's great about suing. You don't have
Speaker 4: to foreclosed. They can't make you fore clothes. Years ago,
Speaker 4: when real estate was crashing and I owed money, I
Speaker 4: would say for closed. The guy would say, no, I'm
Speaker 4: coming after you personally. I have better chance of collecting
Speaker 4: from you personally than foreclosing. No one can make you
Speaker 4: foreclose on that building or on that house.
Speaker 5: So you can. And here's the other thing.
Speaker 4: If both the father and the son owe the money,
Speaker 4: you don't even have to go after both of them.
Speaker 4: You can go after either one of them or both
Speaker 4: of them. So but you can use it as leverage
Speaker 4: against this guy. But Frank, I have a feeling you're
Speaker 4: not going to do it because I hear kind of
Speaker 4: like hesitation. But you're making a fatal mistake by not
Speaker 4: doing it.
Speaker 15: And I don't mean physical, I mean I paid money
Speaker 15: out of my pocket. I bought the siding, and I
Speaker 15: paid everybody I played taxes.
Speaker 5: So okay, Frank, here's what I want you to do.
Speaker 4: I want you to go to a good collection attorney
Speaker 4: and I want you to sue both of those people.
Speaker 4: And then if that guy, if that guy gets off
Speaker 4: the loan, gets off the deed, then you have an
Speaker 4: interesting situation. What you'll have listen carefully is is is
Speaker 4: the homeowner who owes you money, and that homeowner, however,
Speaker 4: has a good first and then that homeowner, with cooperation,
Speaker 4: will allow you to put a second on the house.
Speaker 4: And if you put a second on that house, you're
Speaker 4: at least secured. You won't get paid instantly, but you'll
Speaker 4: at least be secured. Then you can worry about collecting
Speaker 4: on that second. But do one step at a time. First,
Speaker 4: get rid of the deadbeat sun. I'm Tom Martine. We
Speaker 4: have more coming up on the Troubleshooter Show. Three zero
Speaker 4: three seven one three eight two five five eight eight
Speaker 4: eight Heating dot Com for trusted service on your AC
Speaker 4: or furnace, or plumbing or electric. They've expanded and you
Speaker 4: can trust them. That's eight eight eight Heating dot Com
Speaker 4: people that I know and trust and you can too.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 4: you're troubleshooter three O three seven to one three talk
Speaker 4: interesting discussions always with my YouTube morons. You'd be smarter
Speaker 4: if you got online and watched as well or streamed
Speaker 4: as well as uh listened.
Speaker 5: Hey David, what's your question? What's going on?
Speaker 16: Bro?
Speaker 4: What's happening?
Speaker 16: So?
Speaker 19: I have a sister who filed a civil lawsuit to
Speaker 19: force the sill of some property that civil of us
Speaker 19: brothers and sisters owned.
Speaker 4: Okay, So your sister is the only one out of
Speaker 4: how many.
Speaker 19: There six of us?
Speaker 4: Okay, well out of six okay, got it?
Speaker 19: Okay. And so she hired a lawyer, and then later
Speaker 19: on during the process she stops using him. I don't
Speaker 19: know why. She just doesn't have a lawyer anymore. So
Speaker 19: she's a defendant. But now she's using my sister, who's
Speaker 19: a or she's the not the defendant.
Speaker 4: She's the she's the plaintiff. Your sister is the plaintiff,
Speaker 4: and she's suing her five siblings to sell a property.
Speaker 5: You all inherited, right, okay?
Speaker 19: Okay, So she dropped her lawyer or he quit. I'm
Speaker 19: not sure what happened. Okay, But now she's using one
Speaker 19: of the defendants as a foxy to settle the lawsuit.
Speaker 4: Now I don't understand. Hold on when you say she's
Speaker 4: used one of the defendants.
Speaker 5: So one of her siblings she's using as a mouthpiece
Speaker 5: as a proxy.
Speaker 4: Well, no, I don't know, way, baby, what do you
Speaker 4: mean proxy? There is no proxy in a lawsuit. So
Speaker 4: there's attorney. There are attorneys, and so what do you
Speaker 4: mean proxy?
Speaker 19: Apparently she signed a letter giving my sister, who my
Speaker 19: other sister who's a defendant, the right to speak on
Speaker 19: her behalf.
Speaker 4: Okay, well then now I see what you're saying a spokesperson. Okay, well,
Speaker 4: there's a clear conflict of interest here. But but a
Speaker 4: conflict of interest is something to bring up before a
Speaker 4: judge because people think conflicts of interest are against the law.
Speaker 4: They're not. Technically. An attorney, you know, could be in
Speaker 4: trouble for representing parties that are closely aligned but they're
Speaker 4: against each other. But that's up to you to you
Speaker 4: to bring up to the judge. So what is happening.
Speaker 4: I wouldn't this sibling. Isn't that better that she got
Speaker 4: one of you to try to settle the case?
Speaker 5: Or do you think they made a side deal.
Speaker 19: Normally I would think it would be a good deal,
Speaker 19: but in this particular situation, I do not think it'sidered.
Speaker 4: Well, what do you mean do you think she said
Speaker 4: to her sister or brother, hey, help me settle this
Speaker 4: and you get a little more Yes, okay, how is
Speaker 4: is the other sibling a sister or brother?
Speaker 16: It's a sister.
Speaker 4: Okay, So how is using this sister going to be bad?
Speaker 19: Because both of them had rented the property for ten
Speaker 19: years and never accounted for the rental proceeds or shared
Speaker 19: the rental proceeds.
Speaker 5: And now that, well, what does that have to do
Speaker 5: with any things?
Speaker 19: Well, I ended up buying the house because of the
Speaker 19: civil lawsuits, and well.
Speaker 4: Hold on, so wait, wait, wait, wait wait, you ended
Speaker 4: up buying it from the estate.
Speaker 19: Yes, well the estate was involved or or what's what
Speaker 19: I'm looking for?
Speaker 4: No, I get it. It was closed and you bought it,
Speaker 4: but you bought it.
Speaker 5: From the siblings, right right?
Speaker 4: Okay, hold on twenty three years later, David, David, you
Speaker 4: bought the house? How long ago?
Speaker 10: Well?
Speaker 19: I just bought it this year.
Speaker 4: Okay, So you bought the house. Was the lawsuit dismissed
Speaker 4: or or dropped?
Speaker 10: No?
Speaker 4: How do you still have a lawsuit to make you
Speaker 4: sell a house if you already sold it?
Speaker 19: Because what happened is once once the mortgage company funded
Speaker 19: the house the mortgage, the money after all expenses had
Speaker 19: to go into the county registry, court registry or bank
Speaker 19: or whatever they call it. Okay, and then from that
Speaker 19: point we had to figure out how we were going
Speaker 19: to invite all the money between all the.
Speaker 4: Okay, I got it, but you okay. But as far
Speaker 4: as the closing, you actually closed on the house, yes,
Speaker 4: I did, okay? And how much did you buy it for?
Speaker 19: Two hundred?
Speaker 4: So obviously everyone had to agree to the two hundred
Speaker 4: and forty four to five for it to happen, right,
Speaker 4: And did you have to pay off any loans?
Speaker 19: Yes?
Speaker 15: It did?
Speaker 4: So what did what did the house net after commissions
Speaker 4: and loans? Hands? Just right?
Speaker 19: About about one hundred and seventy one hundred and seventy
Speaker 19: nine thousand.
Speaker 4: Okay, So now one hundred and seventy nine thousand have
Speaker 4: to be has to be divided, right, Okay, So keep going.
Speaker 19: So they're just agreeing on some of the things that
Speaker 19: my lawyer has has a I've asked.
Speaker 4: Through my lawyer, like, no, give me an idea of
Speaker 4: what they're disagreeing with. I don't get what you're.
Speaker 19: Saying, okay. I. So I'm explaining they collected rent for
Speaker 19: ten years and they never shared that with anybody, And
Speaker 19: so I spoke to my lawyer and we felt that
Speaker 19: it was unfair for them to have collected that rent.
Speaker 19: And then now after I was forced to.
Speaker 4: Right now, you wanted to offset their there.
Speaker 5: How many of them rented it two of them.
Speaker 19: Two of them rented the house out to the third party.
Speaker 4: Okay, since there are a total of sip six siblings
Speaker 4: and two of them rented it out, are the other
Speaker 4: four in agreement that they should have a lesser share?
Speaker 19: The two of us are in agreement. Two said they
Speaker 19: wanted nothing to do with the house. But then they
Speaker 19: turned around to sign the proxy over to my sister,
Speaker 19: the one that's the defendant, who's going to speak on
Speaker 19: behalf of the others.
Speaker 4: Okay, so listen. So the lawsuit, though the lawsuit is
Speaker 4: not going on any longer because it's a whole different lawsuit,
Speaker 4: they would have had to amend the lawsuit. How do
Speaker 4: you okay? The lawsuit was to compel you to sell
Speaker 4: the house. Right the house was sold. Now they would
Speaker 4: have to amend the lawsuit or file a new one
Speaker 4: for division of proceeds. Right, is that what they did?
Speaker 19: What happened was the paktiff doctor lawyer or lost her
Speaker 19: ord no longer had a lawyer. My my lawyer went
Speaker 19: through with the discision of money, and it is she
Speaker 19: she said, she said, this is what we want.
Speaker 4: I get it, I get it. I get that you
Speaker 4: want to offset the rent. But I'm going to tell
Speaker 4: you something. Okay. They call it a court of equity,
Speaker 4: which means that logically, if they collected more from the
Speaker 4: estate or from the property then the others did. If
Speaker 4: they collected more than the others did, they should offset
Speaker 4: their profit in a court of equity. Hold on, wait, David,
Speaker 4: But there is also a court of law which says,
Speaker 4: in the absence of an agreement, they may not owe
Speaker 4: you anything unless the majority of people who have been
Speaker 4: screwed agree it agree, And you don't have a majority.
Speaker 4: So unless you have the other four siblings in harmony
Speaker 4: saying they screwed us, then you didn't, you're never gonna win.
Speaker 5: How much was this ten years worth of rent?
Speaker 19: About sixty thousand dollars?
Speaker 4: Okay, So are you proposing that you take sixty thousand dollars? Now,
Speaker 4: remember part of that sixty grand would have gone to
Speaker 4: them anyway. So you have six siblings and you have
Speaker 4: sixty thousand dollars at dispute. That means they would have
Speaker 4: gotten twenty of it anyway, right.
Speaker 19: Right right between the twos and yes.
Speaker 4: Yeah. So therefore, if they would have gotten twenty of
Speaker 4: it anyway, you only have forty of it in dispute. Okay,
Speaker 4: so there's forty thousand dollars in dispute right now.
Speaker 5: But does everyone understand that?
Speaker 19: I don't. I think the two that never wanted to
Speaker 19: be involved with it at all, they don't understand that.
Speaker 4: Then you're never going to get this resolved. My opinion,
Speaker 4: my opinion, which is not a legal opinion, is divide
Speaker 4: up the frickin money and walk away.
Speaker 19: Well, we have actually were. We were ordered by the
Speaker 19: judge because we went to the hold on.
Speaker 5: I got to take this break. We got more coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot You don't pay a cent until you're content. Time
Speaker 4: for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 4: here three oh three seven one three talk seven one
Speaker 4: three eight two five five. Uh, day's got a comment
Speaker 4: on the mortgage and titles and all of that. Go ahead, Jay,
Speaker 4: what is your comment?
Speaker 20: Hey Tom? It's more of a question to stuffing that
Speaker 20: crossed my mind, as things often do. If say, an
Speaker 20: older person has a house and they do a quick
Speaker 20: client or put someone else on the deed, does that
Speaker 20: mean they're not ever going to be able to do
Speaker 20: if they're a person's junker, especially, are they're never going
Speaker 20: to be able to do her reverse mortgage?
Speaker 4: Oh? No, you will never. You will never do a
Speaker 4: reverse loan with two people on title unless both people
Speaker 4: qualify for the reverse loan and both people live.
Speaker 20: There another reason not to do stuff like that.
Speaker 4: That's right, both people must live in the house and
Speaker 4: beyond title, you cannot have a reverse loan with an
Speaker 4: absentee owner. I kind of thought so, but there, listen,
Speaker 4: the worst thing in the world, any the worst thing
Speaker 4: in the world anyone can do is put someone on
Speaker 4: their title for no reason. That means okay, what is
Speaker 4: no reason meaning no compensation, no money, No, And it
Speaker 4: shouldn't be done ever for an estate plan Ever, it
Speaker 4: is the worst estate planning you can do is put
Speaker 4: someone on. Dan McKenzie told me that's one of the
Speaker 4: most common mistakes he finds when people come to him.
Speaker 4: Dan is a great guy, by the way, McKenzie law
Speaker 4: and Dan said, when people come to me and they
Speaker 4: already put them they put their kids on the on
Speaker 4: the house. They've already screwed themselves out of tons of
Speaker 4: tax benefits, and they think they're doing something smart with
Speaker 4: the quick claim deed because some jerk told them to
Speaker 4: do it and they're trying to practice law. You should
Speaker 4: never transfer your house to anyone to put anyone on
Speaker 4: the deed for any reason whatsoever. That's that's that's the
Speaker 4: real deal. Never ever, there's never a good reason. And
Speaker 4: and so that's the long and short of it. Thanks
Speaker 4: for bringing that up. By the way, if you ever
Speaker 4: want to get a hold of McKenzie and ask him
Speaker 4: these questions. Eight three to three c plans. He's a
Speaker 4: local guy. He does Will's beneficiaries, deeds, trusts, all of that.
Speaker 4: Eight three three C plans. Now, David, welcome to the show.
Speaker 4: What is your suggestion, Yes, sir, what's happening? David?
Speaker 21: Hey, we we go to Florista and Kirple Creek and
Speaker 21: we can't hear you. I want you to get XN radio.
Speaker 5: Okay, so you can't hear me over there?
Speaker 4: Now you know what Mark looked into way wait, we
Speaker 4: looked into XM one time. I forget what happened. I
Speaker 4: think there's that is a distinct possibility. By the way,
Speaker 4: do you how many people though in Is XM a
Speaker 4: big deal right now? In cars?
Speaker 16: I don't know.
Speaker 21: Maybe because you half the time can't get radio stations.
Speaker 4: I love XM radio. I mean I love the reception,
Speaker 4: the quality and all of that.
Speaker 21: And yeah, I was halfway, you know, even to Woodland.
Speaker 21: We lose you in Woodland.
Speaker 4: That's too bad. That's too bad. We need to look
Speaker 4: into that.
Speaker 21: We work for a couple of property managements, so we
Speaker 21: go up here all the time and we just can't
Speaker 21: we can't hear you. I've sup phone and then I
Speaker 21: tacked into the radio. But then after a minute.
Speaker 4: Yeah, even so you work for property management. Let me
Speaker 4: ask you this, what would you do if a gang
Speaker 4: took over one of the apartment houses?
Speaker 20: Uh?
Speaker 15: You want my honest opinion, I.
Speaker 4: Honest to god, do I know you guys have to
Speaker 4: had to discuss it.
Speaker 8: Yeah, shut it on.
Speaker 21: File with all of them in it.
Speaker 4: Oh no, you wouldn't come on man, But listen, it's
Speaker 4: a terrible situation. So yeah, yeah, well anyway, thank you
Speaker 4: for He's just kidding.
Speaker 9: Folks.
Speaker 4: Don't get any idea. Listen. I don't know what's going
Speaker 4: on with ice. I don't know what's going on with police.
Speaker 4: But this this has got to stop, and you know,
Speaker 4: really and truly it's got to stop. All of this
Speaker 4: lawlessness around the country has to stop. Hey, Tom, did.
Speaker 22: Kelly tell you that there was a big article in
Speaker 22: a New York Post about this, but nothing in our
Speaker 22: local papers.
Speaker 4: Oh, local papers won't do it because they're all Democrats
Speaker 4: and owned in stocked. Neither will our local media. But
Speaker 4: then new yonk posted, Yeah, of course. I mean, like
Speaker 4: I said, Channel nine ought to just be the DNC headquarters.
Speaker 4: I mean, or at least the Colorado Democrat headquarters. It's
Speaker 4: it's so blatanly obvious. I when I was in I
Speaker 4: swear to God, when I was in television news, we
Speaker 4: would get in so much trouble, so much trouble for
Speaker 4: being so biased. I remember that. I mean, I remember
Speaker 4: being called into the office if you did a story
Speaker 4: that was the least bit biased. Now I'm not talking
Speaker 4: about my consumer stuff. I was allowed to make recommendations
Speaker 4: and call down fire on people who were ripping and
Speaker 4: people off and all that. I'm not talking about that.
Speaker 4: I'm talking about news stories. I was never really news,
Speaker 4: But in news Man you could not ever show biased
Speaker 4: or leave out facts that.
Speaker 5: Would favor one over another.
Speaker 4: And that's how I was brought up three O three
Speaker 4: seven one three eight two five five. We got more
Speaker 4: coming up on the Troubleshooter Show. Go with a sure
Speaker 4: thing Denver's best roofer Excel Roofing dot com. Pay a
Speaker 4: cent until you're content, Wait time for an insurance check
Speaker 4: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three all three seven seven to one. Help
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hi, Tom Martino, your trouble insurance. Your
Speaker 4: trouble insurance is gonna say trouble insurance. I am your
Speaker 4: trouble insurance, your trouble free insurance.
Speaker 5: Listen to the show and save trouble.
Speaker 4: Okay, three all three, seven, one, three eight, two five five.
Speaker 4: I want to go back to some calls. We have
Speaker 4: Dominique on the phone. Go ahead, Dominique, what's happening.
Speaker 23: Hi?
Speaker 18: So I got into a car accident last month, and
Speaker 18: I've been reading for about a month and a half.
Speaker 18: Almost now she's get an answer about what the insurance
Speaker 18: is going to do. I had to go through.
Speaker 4: Explain the accidents. Explain the accident first. What happened?
Speaker 18: So I was making a left hand turn on my
Speaker 18: way to work and this car decided. So I had
Speaker 18: a left green arrow, and the arrow had just turned
Speaker 18: yellow as I was going underneath it like it was
Speaker 18: green as I was.
Speaker 4: I know, I understand, I understand. You know what you're
Speaker 4: gonna be. I'm gonna surprise you when I tell you this.
Speaker 4: It wouldn't have mattered if it was turning yellow or
Speaker 4: if it had just turned red.
Speaker 5: But go ahead. And there's a reason for that, But
Speaker 5: go ahead, Okay.
Speaker 18: Well, I had literally I was already pretty much done
Speaker 18: with my turn I was already in the lane that
Speaker 18: I was turning into, like.
Speaker 14: Passing the cross, okay, okay, and this car.
Speaker 18: Decided to run the red light and snack directly into
Speaker 18: my back tie okay, like he was like right when
Speaker 18: I was already through the light. He tried to speed
Speaker 18: up to get through.
Speaker 4: So your right rear was hit? Got it?
Speaker 18: Yes?
Speaker 4: All right?
Speaker 18: And I filed the claim.
Speaker 14: You know, because you filed the claim. Where for my instant?
Speaker 4: Did you?
Speaker 5: First of all?
Speaker 4: First of all, the other driver is supposed to file
Speaker 4: that claim? Or was it whose fault?
Speaker 14: Was it it was his fault?
Speaker 4: Did he get a ticket?
Speaker 12: No?
Speaker 5: Then who says it's his fault?
Speaker 18: Well, I mean he's the one that ram the red light?
Speaker 4: But who says it was his fault? Is there any proof?
Speaker 4: What if he says no, it's not, Well he.
Speaker 18: Hasn't been answering the phone for them, for who's them?
Speaker 18: So they don't even for his insurance.
Speaker 4: Okay. See here's the problem with this. There was no
Speaker 4: place polase report? Is that right?
Speaker 18: Yeah?
Speaker 4: And there's not even a record of the accident. I'm
Speaker 4: gonna give you bad news first, Dominique. If he simply
Speaker 4: refuses to cooperate with his insurance company, they will turn
Speaker 4: down your claim. Now, I do have a way that
Speaker 4: you should handle this, so not all hope is lost.
Speaker 4: But you got to listen to me carefully and I'll
Speaker 4: go through the steps. Okay, So hang on, I'm Tom
Speaker 4: Martino three zero three seven to one three talk. Let's
Speaker 4: see if we can help her out of this jam.
Speaker 4: We have redrocksars dot com, redrocksroof and solar with us.
Speaker 4: We'll talk a little more about solar and remember saving
Speaker 4: ten percent on your electric film no matter who you are,
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Speaker 4: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until your tenth time for an insurance check
Speaker 4: up free no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three all three seven seven one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two.
Speaker 1: Yeah, ripped of news need so you don't have.
Speaker 2: Come run anxiousness as we can. Shooter's gonna help.
Speaker 3: Come man, This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 4: Tom Martino, Your Troubleshooter three oh three seven one three
Speaker 4: talk seven one three A two five five. Welcome to
Speaker 4: the only show of it's kind anywhere in the universe
Speaker 4: where we are solving problems, answering questions, and taking complaints, oh,
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Speaker 4: all the prices are there. Seven to zero three seven
Speaker 4: zero thirty nine eighty seven. Hey, Dominique was making a
Speaker 4: left turn and a car hitter. The car was going
Speaker 4: through a red light. Dominique said her green arrow was
Speaker 4: just turning yellow. Since there are no witnesses or police reports,
Speaker 4: it's really her word. So she tried putting in claim
Speaker 4: with the other insurance company. Now, why did you put
Speaker 4: an acclaim with the other insurance company? He gave you
Speaker 4: all of his information, is that right, Dominique?
Speaker 18: Yeah, I only have liability for my insurance. My dad
Speaker 18: set it up for me a while ago, so I
Speaker 18: wasn't completely sure.
Speaker 4: Like what year is your car, Dominique?
Speaker 18: Oh?
Speaker 4: What year is your car?
Speaker 18: In? Two thousand and seven?
Speaker 4: Okay, so yeah a lot of people do that. They
Speaker 4: don't carry collision on older cars. But I want to
Speaker 4: ask you something on this accident. Did they did he
Speaker 4: stop and give you information?
Speaker 18: Yes?
Speaker 5: Okay, that's how you called his insurance?
Speaker 18: Yeah?
Speaker 5: And did he say, oh, I'm sorry it was my fault?
Speaker 4: No?
Speaker 18: He was more he didn't really speak English, so like
Speaker 18: it was kind of hard to just get any type
Speaker 18: of information from him. He was all like, uh, what happened?
Speaker 18: Like why'd you slow down? And I was like I
Speaker 18: didn't like he was typing it, and I was like
Speaker 18: I didn't slow down. I was turning. You ran a
Speaker 18: red light?
Speaker 14: Why did you do that?
Speaker 18: And he was like, well, let me get your insurance.
Speaker 4: So there's no one to say. There's no one, there's
Speaker 4: no one to say whose fault is.
Speaker 18: There is an older lady at the bus stop, but
Speaker 18: she also only spoke Spanish, and she was getting very
Speaker 18: mad that I had to pull over by the bus
Speaker 18: stop to get it all figured out.
Speaker 4: Yeah, you're not gonna In other words, this person isn't
Speaker 4: This person is not going to admit fault. It seems
Speaker 4: like it, and it could be either your fault or
Speaker 4: his fault, depends with the way the cars hit. He
Speaker 4: could say you turned in front of him. I mean,
Speaker 4: there's no record of this that. You don't have tape,
Speaker 4: you don't have video, you have nothing. So I don't
Speaker 4: see this guy. Unless this guy admits it and turns
Speaker 4: it into his insurance. His insurance will not cover you.
Speaker 4: Have you already gotten rejection letter?
Speaker 14: No?
Speaker 4: Not yet, you will. Who's the insurance company?
Speaker 18: Fred Loyer?
Speaker 4: That's how My god, that's even worse. Fred fred Loya
Speaker 4: doesn't pay.
Speaker 18: Even Jack also got hurt during that accident, and I
Speaker 18: have tried to call the body the bodily injury claims
Speaker 18: for hint like for back company as well. Dominique's not
Speaker 18: been answering anything, Dominique.
Speaker 4: They're not going to pay. Yeah, it's not proven, it's
Speaker 4: his fault. I wouldn't pay either. But Dominique, do you
Speaker 4: have on your insurance something called medpay?
Speaker 19: No?
Speaker 4: Well you should. It would cost you five or ten
Speaker 4: dollars a year or a month. I'm telling you that
Speaker 4: that medpay would have paid for your injuries, no matter
Speaker 4: whose fault it was.
Speaker 5: So you're sure you don't have medical payments?
Speaker 18: Yeah?
Speaker 4: How do you know that?
Speaker 18: Because it was something that my insurance have told me
Speaker 18: when I spoke to them.
Speaker 5: You in order not in Colorado, this is a weird thing.
Speaker 4: In order not to have medical payments, you actually have
Speaker 4: to turn it down by initially it. Ask your insurance company.
Speaker 18: Dad set it up through the general. I know that's
Speaker 18: what we have.
Speaker 14: It's the General.
Speaker 4: Oh God, Dominique. The only thing you can how much
Speaker 4: damage you have in your car?
Speaker 18: I can't drive it. I haven't been able to drive
Speaker 18: it for this whole time.
Speaker 4: Do you know how much you cost?
Speaker 18: A fire is smashed in at least three thousand, three
Speaker 18: thousand to get my tire, replace, my breaks replaced, my actual.
Speaker 4: Routrice, Dominique, if you got this guy's name and address,
Speaker 4: you can serve him and go to small claims court
Speaker 4: see whether you could get it now. Then it would
Speaker 4: be up to him to put it into his insurance.
Speaker 4: But he's the one responsible to you, not his insurance company.
Speaker 19: You.
Speaker 4: But I'm going to warn you if you go to
Speaker 4: small claims court with this guy, he's going to deny
Speaker 4: it and then you're gonna have to argue in front
Speaker 4: of a judge. I mean, it's very likely you don't
Speaker 4: have enough information to get your money. You could lose
Speaker 4: in small claims court for lack of evidence. Yeah, so you.
Speaker 18: Can try small claim that we were turning at had cameras.
Speaker 18: Would that see something I could manely try to get.
Speaker 4: Access to maybe maybe, Dominique, hold on, let's get our
Speaker 4: expert on, our auto accident attorney.
Speaker 5: Okay, so you hang on and we'll try to get
Speaker 5: them on and talk about it.
Speaker 19: All right.
Speaker 4: It's three oh three seven one three talk three oh
Speaker 4: three seven one three A two five five. Hey Tom, Yes, sir.
Speaker 22: This is why I listened to John fuller and when
Speaker 22: out' and got a dash cam for one hundred and
Speaker 22: fifty bucks. You have permanent protection for stuff like this.
Speaker 22: It is such a smart thing to do, and I'm
Speaker 22: sorry I didn't do it sooner, but it's so cheap
Speaker 22: to get one that would have solved this problem immediately.
Speaker 4: Okay, now.
Speaker 5: Here's uh, here's something I want to talk about.
Speaker 4: I'm getting texted on why they asked do I not
Speaker 4: like quit claim deeds? What I'm saying here is a
Speaker 4: quit claim deed is the weakest form of ownership. It
Speaker 4: only quit claim what interest you have in something to
Speaker 4: someone else, or what the interest someone else has they
Speaker 4: quit claim to you. There is no guarantee of ownership
Speaker 4: or that is even valid. I can quit claim right
Speaker 4: now the Empire State Building to anyone, because what I'm
Speaker 4: saying is I'm quitting my claim to this property and
Speaker 4: transferring it to you.
Speaker 5: Now this one guy texts the means.
Speaker 4: Or one woman whoever said, Tom, what about using a
Speaker 4: quit claim to drop an ex spouse and add a
Speaker 4: new one. Yes, you can do that. You can do
Speaker 4: that all day long. You can say I want to
Speaker 4: do this if all parties know each other and agree
Speaker 4: you can use a quit claim deed to drop someone
Speaker 4: and add someone else until it's disputed. If it's ever disputed,
Speaker 4: that ex spouse says, wait a minute.
Speaker 5: I didn't agree to this. You're screwed.
Speaker 4: Without any kind of outside evidence, A general warranty deed
Speaker 4: is much stronger. A quit claim can be done if
Speaker 4: other documentation verifies it, like a divorce decree and her
Speaker 4: agreement or his agreement. If that house suddenly was purchased
Speaker 4: by a land developer and you got way more money
Speaker 4: than you thought, or something happened oil was discovered under it.
Speaker 4: I'm just telling you a quit claim deed is your
Speaker 4: weakest form of transfer. It can be challenged easily. So
Speaker 4: just because you've done it before doesn't mean it's great.
Speaker 4: It also doesn't mean it's automatically bad. Now what about this, Tom,
Speaker 4: If heat insurance info to Dominique, isn't.
Speaker 5: That admission of guilt?
Speaker 12: Now?
Speaker 4: I don't think so. He can say we exchanged information
Speaker 4: at the scene, I mean.
Speaker 5: Or he can just simply say I didn't give it
Speaker 5: to her.
Speaker 4: I don't know how she got it. I mean. People,
Speaker 4: you take too much for granted when it comes to
Speaker 4: proving who's at fault, So thank you for texting me.
Speaker 4: By the way, people are texting me at this number,
Speaker 4: this is my personal Google number that literally comes to
Speaker 4: my cell phone. I mean that you can literally text
Speaker 4: me anytime seven four seven nine nine nine fifty two
Speaker 4: eighty seven four seven nine nine nine fifty two eighty
Speaker 4: I promise you I'll get it. You can also leave
Speaker 4: me email excuse me voicemail at three oh three Martino
Speaker 4: three oh three six two seven eight four six six more.
Speaker 4: Right after this, go with a sure thing Denver's best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three all three seven seven to one help. You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martine, your troubleshooter three all three seven one
Speaker 4: three talk seven one three A two five y five.
Speaker 4: I want to bring up John Fuller Personal Injury co
Speaker 4: dot Com. He's an attorney who does personal injury. Now,
Speaker 4: this is not necessarily a person injury case, but it
Speaker 4: is an accident case. She has no evidence whatsoever except
Speaker 4: the guy stopped in. They exchanged information. She was making
Speaker 4: a left turn. She claims he ran a red light
Speaker 4: hit her. He's refusing to call this insurance company. So
Speaker 4: his insurance company, who is Fred Layer, says we can't
Speaker 4: cover it if he doesn't cooperate, and of course Fred
Speaker 4: Loya sucks anyway, So Dominique is stuck here.
Speaker 5: So I have a quick question for you, John Fuller.
Speaker 4: First and foremost, can she get traffic camera footage from
Speaker 4: any of those intersection cameras?
Speaker 16: It depends on the intersection tom. Some of those cameras
Speaker 16: are only for traffic control, and they're just they just
Speaker 16: count cars. They don't actually keep film, and so those
Speaker 16: wouldn't be of any assistance. If it's actually a camera,
Speaker 16: and it's a c DOT camera, sometimes it's tough to
Speaker 16: figure out who owns it. But if it's actually a camera,
Speaker 16: then yeah, we've been able to get copies of that
Speaker 16: film sometimes. Yeah, Okay, then identification of the guy.
Speaker 4: Yeah, she has this information, his name and his insurance,
Speaker 4: but they won't pay, and she has a hurt back.
Speaker 4: Right now, what happens if you have someone and there's
Speaker 4: no witnesses, no police report, and they're hurt and they
Speaker 4: say it's someone else's fault. She says, she doesn't have medpay.
Speaker 4: What happens in a case like that?
Speaker 16: And did the police come to the scene.
Speaker 4: Nope, none of that.
Speaker 16: Oh well, it's a classic, he said, She said, I mean,
Speaker 16: and unfortunately, you know, the ultimate decider effect would be
Speaker 16: a jury. And if it's a strong enough case and
Speaker 16: you you know, and if the damage is warranted, may
Speaker 16: be a case that you have to take into litigation.
Speaker 16: You know, the insurance company is absolutely right to deny
Speaker 16: any sort of coverage when they're insured is not cooperating.
Speaker 16: That is one of the clauses in all of their contracts. However,
Speaker 16: the moment that that insured got sued, he would either
Speaker 16: have to face the reality of defending the suit by
Speaker 16: himself and being on the hook for any of the damages,
Speaker 16: or he's eventually going to have to call his insurance
Speaker 16: company and say, maybe I was in an accident. I
Speaker 16: need you guys to defend me. So so that would
Speaker 16: be the next step, now, you know, he said. She said,
Speaker 16: cases are difficult. They are the worst cases in the world,
Speaker 16: and you're dealing with two of the worst insurance companies
Speaker 16: that you could possibly team up with. The General is
Speaker 16: better than Fred Loyer by a long shot, but both
Speaker 16: of them are you know, our higher risk. You know,
Speaker 16: they cater to a higher risk cloud, so they tend
Speaker 16: to only have your lowest amounts of coverage and you know,
Speaker 16: and high deductibles and drivers that have less than sellar
Speaker 16: driving records and stuff.
Speaker 24: That's just what they do.
Speaker 4: You know.
Speaker 16: It's a tough it's a tough situation. Yeah, we have
Speaker 16: been able to help people in that situation many times.
Speaker 16: But it really just depends on the facts of the case,
Speaker 16: whether you can find any witnesses or there's anything to
Speaker 16: support your side of the version of events.
Speaker 4: Dominique, how bad is your back?
Speaker 18: So like whenever I try to like just like crack it,
Speaker 18: like Sam's laying down and like roll over. You know,
Speaker 18: check how anybody would crack their back laying down, it
Speaker 18: feels like my sin is just like out of place.
Speaker 18: I haven't gone to the doctors yet because I already
Speaker 18: had a discussion with Medicaid, and they said that they
Speaker 18: would say to cover everything, and I just don't have
Speaker 18: that money to pay out of pocket, right, what do you.
Speaker 4: Mean Medicaid said they couldn't cover it.
Speaker 18: They wouldn't cover all of it.
Speaker 4: What part wouldn't they cover?
Speaker 18: Yeah, exactly, I would still have to pay I think.
Speaker 18: She said twelve hundred out of pocket for what?
Speaker 4: Twelve hundred for what? What kind of treatment?
Speaker 18: Like if I got like if I had to do
Speaker 18: multiple X rays of my back. She said that they
Speaker 18: would only be able to cover a certain amount whatever that.
Speaker 5: I never heard of that, John.
Speaker 16: My experience is that Medicaid will cover you, you know, at
Speaker 16: least if you go into er and stuff. And when
Speaker 16: it comes to getting ongoing medical treatment or Medicaid is
Speaker 16: more difficult because really what medicaid is. Therefore, it's a
Speaker 16: hospital and stuff, and it's less so available for ongoing treatment.
Speaker 16: But you shouldn't have to come out of pocket to
Speaker 16: get medicaid to pay for an er visit to get
Speaker 16: you checked out. When did this accident happen? How long ago?
Speaker 18: Last month? Last month? Yeah, on July sixth week.
Speaker 16: Okay, so you're already six weeks. So what you're already
Speaker 16: six weeks into not getting treatment. So I mean, you listen,
Speaker 16: the reality of it is that I have no doubt
Speaker 16: that you're telling the truth and that you're you're probably injured.
Speaker 16: But when you ignore injuries for six weeks, even the
Speaker 16: best insurance company is going to say, we don't think
Speaker 16: you're injured because you didn't seek medical care. And any
Speaker 16: normal person, if they were truly injured, would it go
Speaker 16: into the emergency room that day or the day after
Speaker 16: and all yeah, and they're going to hold that against you.
Speaker 16: And when you don't have any police report, you have
Speaker 16: nothing to support your case, and you've got to delay
Speaker 16: in treatment of over six weeks. And the best thing
Speaker 16: that you can come up with is an excuse that
Speaker 16: Medikaid told you that they wouldn't pay for everything, when
Speaker 16: clearly they will.
Speaker 4: I hate to get we got a problem.
Speaker 16: Yeah, we have a problem that may be insurmountable in
Speaker 16: your case.
Speaker 4: And Dominique, really again, get med pay. Make sure you
Speaker 4: get medpay on your insurance.
Speaker 16: It's so cheap and it just covers without need.
Speaker 18: And pretty much the reason they wouldn't cover everything is
Speaker 18: because I have a specific amount. But for like them
Speaker 18: coal vision and all of that other stuff, and that
Speaker 18: would exceed the amount.
Speaker 5: Oh, I've never heard of that with Medicaid for an
Speaker 5: accident ever.
Speaker 19: Health Medicane, Yeah, I have health or Yeah.
Speaker 16: It's Denver Health Medicaid. Okay. Yeah, so that's a whole
Speaker 16: different ball of Black's Tom And I don't know if
Speaker 16: you've heard of it before, but it's a it's really
Speaker 16: not medicaid. It's more of a Denver Health sponsored health
Speaker 16: plan that is subsidized by Medicaid, and they have coverage
Speaker 16: issues and stuff. So listen. I hate to say this
Speaker 16: because it just doesn't do anything for you, but but
Speaker 16: for all the rest of the listeners, this is a
Speaker 16: prime example of why we need to spend that seven
Speaker 16: or eight or ten bucks a month to have that
Speaker 16: medical payments coverage so that if you have a copey
Speaker 16: or a deductible and you've got to come out of
Speaker 16: pocket following an accident, no matter who's at fault, you've
Speaker 16: got that coverage and it's right there and you don't
Speaker 16: have to ever pay it back. It's a beautiful thing.
Speaker 16: It's super cheap, and this is why you have to
Speaker 16: have it on your policy. I will tell you this.
Speaker 16: Which one is your insurance company? Fred Loyer?
Speaker 5: Yeah, no, No, hers is the General?
Speaker 16: Okay, the General normally doesn't just mandatory wave the medpay.
Speaker 16: Fred Layer, in my experience, has never issued a med
Speaker 16: pay policy in Colorado that I've ever seen. They print
Speaker 16: their contracts with the waiver in place. I think that's
Speaker 16: absolutely illegal. But I've yet to see a Fred Loyer policy.
Speaker 16: Who is medpaith? But it is a mandatory coverage and
Speaker 16: the state requires that the insurance companies offer it. And
Speaker 16: I don't care who your carrier is. You need to
Speaker 16: tell your agent or the company themselves. And I want
Speaker 16: that medpay on my policy. Put it on there, don't
Speaker 16: wave it. Unwaive it if you ever did, and get
Speaker 16: that coverage there in case something bad happens to you.
Speaker 4: Okay, thank you. John Fuller Fuller Law three oh three
Speaker 4: uh five nine seven forty five hundred is his number
Speaker 4: if you ever need them. Personal Injury Coo dot com.
Speaker 4: I I got more coming right up. Hang on the lines.
Speaker 4: I will get to all of you right after this.
Speaker 4: Go with a sure thing Denver's best roofer Excel roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martine
Speaker 4: here three oh three seven one three talks seven one
Speaker 4: three two five five. So it says here tom my
Speaker 4: wife was rear ended result in a total loss of
Speaker 4: a vehicle. Insurance is paying thirteen sixty sixty six, but
Speaker 4: we owe twenty three thousand petty details, which, by the way,
Speaker 4: they value cars for you. When when things like this
Speaker 4: happen they're on the referral list, they say the settlement
Speaker 4: sounds correct. In other words, the car was worth about
Speaker 4: thirteen six sixty six. My question, can we go against
Speaker 4: the other driver for the balance to get that other
Speaker 4: ten grand bag? Well, the obvious answer is known, because remember,
Speaker 4: the party responsible to you is responsible for what they
Speaker 4: took from you, what they damaged you by. If you
Speaker 4: overpaid for the car, or if the car depreciated faster,
Speaker 4: or if you had negative equity when you bought that car,
Speaker 4: so your loan is artificially higher. You are are only
Speaker 4: owed what that car was worth, not what you owe
Speaker 4: on it. So that's that quick answer. Three oh three
Speaker 4: seven one, three eight two five five. Again, you can
Speaker 4: text me personally to my cell phone seven four seven
Speaker 4: nine nine nine fifty two eighty seven four seven nine
Speaker 4: nine nine fifty two eighty. No one else in media
Speaker 4: gives you this direct access. You can also call me
Speaker 4: personally at three oh three Martino. Now, obviously we go
Speaker 4: to voicemail. There's too many calls. I want to take Mary,
Speaker 4: who has a follow up? Don't is bo around by
Speaker 4: the way.
Speaker 25: Uh, I'm here, I'm here, tom.
Speaker 4: So she bought a used car from Michael's. As I'm
Speaker 4: reading this call, and uh it was Michael Auto Sales
Speaker 4: East Colfax twenty fourteen Lexus one hundred and thirty two
Speaker 4: thousand miles, seventeen thousand dollars plus warranty. She was financed
Speaker 4: for twenty three thousand somewhere along the line. This sounds
Speaker 4: like a screwy deal, but it might be illegal. Screwy deal,
Speaker 4: a legal one, not illegal, but anyway, a few days
Speaker 4: later the engine light came on. He promised to fix it.
Speaker 4: It sat for six months. They claim they replaced the engine.
Speaker 4: She's still having trouble. What's going on? I wanted you
Speaker 4: to make a last dish effort here, Bo. I'm not
Speaker 4: sure this woman could have screwed herself. I'm not sure
Speaker 4: what the warranty covered. Well, what's going on? Sure?
Speaker 25: I made a call to she sent me paperwork on
Speaker 25: the extended warranty and it's by a company called Wise MVP.
Speaker 25: They're a national warranty company. They have good reviews. I
Speaker 25: was able to call and get right through to them
Speaker 25: this morning and talked to Dan. They're a representative in
Speaker 25: the good news for Mary is that this warranty is
Speaker 25: still in effect, so she could take this warranty and
Speaker 25: go to.
Speaker 4: Why didn't she know that? Bro? Why didn't she know that?
Speaker 25: I believe that when she had problems, she took the
Speaker 25: vehicle and she can explain that she took the vehicle
Speaker 25: back to Michael Michael's Auto Sales when they had engine
Speaker 25: engine problems, and the owner or the representative that Michael
Speaker 25: Auto Sales took it to like a shade, a third
Speaker 25: party mckenn.
Speaker 4: I wonder why, but they must have known she had
Speaker 4: a warranty they sold it to her.
Speaker 5: I don't.
Speaker 25: I don't have an explanation for that. And apparently Mary
Speaker 25: put up fifteen dollars to replace the engine, and I
Speaker 25: do not know, Hey.
Speaker 5: Mary, now see, I don't know if they're going to
Speaker 5: reinburse her for that.
Speaker 25: Mary? Are you there?
Speaker 14: Yeah?
Speaker 24: I'm here?
Speaker 5: So Mary, would you whould you pay fifteen hundred two?
Speaker 14: So here's what happened.
Speaker 24: They told us that we had to go to their
Speaker 24: specific mcare because what happened was in December of last year,
Speaker 24: when uh, my husband went to I don't.
Speaker 4: Need no, no, I don't need the surrounding story. They
Speaker 4: told you you needed to go to their mccounting, did they?
Speaker 4: But they did they remember that you purchased a warranty
Speaker 4: from them? Yes, then why didn't they ask why didn't
Speaker 4: they call the warranty company? Do you know?
Speaker 14: No?
Speaker 24: Uh, but I do know that we had already talked
Speaker 24: to the warranty company last year. And what happened was
Speaker 24: when they had when Michael Auto Sales had first taken
Speaker 24: the car, when we first were having issues and they
Speaker 24: gave us the loaner.
Speaker 19: They took the.
Speaker 24: Car to Automation Toyota and Auto Nation Toyota and us.
Speaker 19: We all talked to the.
Speaker 24: Warranty company and everything. But the thing was was the
Speaker 24: warranty company.
Speaker 4: Said that they had to uh do this.
Speaker 24: Uh diagnostic and they had to I don't know what
Speaker 24: whatever the details were, my husband.
Speaker 19: Dealt with it.
Speaker 24: Bottom line was autom Nation Toya wanted us to pay
Speaker 24: two thousand dollars upfront.
Speaker 14: We didn't have two thousand dollars.
Speaker 24: Up front because we were already paying for car rentals.
Speaker 4: All right, so hold on first, is it accurate to
Speaker 4: say you did not go through the warranty procedure? That's right, Yeah,
Speaker 4: the warrant does not.
Speaker 25: They did not have a claim for an engine. There's
Speaker 25: been no claim on your wall.
Speaker 4: It's too late now, bro, it's too late. They already
Speaker 4: did it. They're not going to go back and cover this.
Speaker 4: So based on her word, how much did you put
Speaker 4: toward the engine.
Speaker 24: So in December when they went Michael Auto Sales forces
Speaker 24: to go to their mechanics, I told my husband it
Speaker 24: was fifteen hundred dollars that they had us pay because
Speaker 24: Michael Atto Sales owner USUF said that he would pay
Speaker 24: fifteen hundred dollars and we would pay fifteen hundred dollars
Speaker 24: and they only wanted cash. And I told my husband
Speaker 24: get a receipt, and this guy refused to give him
Speaker 24: a receipt. Testpe was the name of the guy and
Speaker 24: he's on pullback eight thousand pullbacks and gift the Auto
Speaker 24: Sales is the name of the shop.
Speaker 4: My god, your your phone is cutting it in everything?
Speaker 4: All right? Oh sorry, sorry, listen, listen, listen. I just
Speaker 4: want to talk about this. Sure, I don't think we
Speaker 4: can do anything for you because you never went through
Speaker 4: the warranty procedure. They wanted to do this procedure. The
Speaker 4: reason you had to pay upfront was this. They take
Speaker 4: it apart, they look at it. If it turns out
Speaker 4: to be a warranty issue, they pay for it. If not,
Speaker 4: they want to be reimbursed for that. It's a terrible
Speaker 4: situation that you went through. But I don't know what
Speaker 4: we can do about it right now unless.
Speaker 25: I have an idea, Tom, what is that bo so
Speaker 25: the warrant? This warranty company seems to be a stand
Speaker 25: up company. There's been no claims against this warranty company.
Speaker 25: That Dan at this MVP warranty company said that Mary
Speaker 25: could take the car that Kevin Kulkin assured an auto
Speaker 25: tech or to the Lexus dealer. They would even pay
Speaker 25: for the tow and Mary would have to pay the
Speaker 25: one hundred or two hundred dollars diagnostic fee. And there's
Speaker 25: a good possibility that this warranty quarranty that Mary bot
Speaker 25: would cover the engine.
Speaker 4: Now, I do not think.
Speaker 5: But if it's not the original engine, why would they?
Speaker 4: I mean, I'm all for that bow, but did they
Speaker 4: understand she already had the engine replaced?
Speaker 25: Well, you know, Tom, I don't see how they could
Speaker 25: replace an engine on a twenty fourteen Lexus for three
Speaker 25: thousand dollars. I don't think they replaced the engine. I
Speaker 25: think they just I think the engine. She still has
Speaker 25: the original engine and she needs to go to a
Speaker 25: dealer or Kevin and verify it.
Speaker 4: I at least you know what the money that's right,
Speaker 4: we can find out if they replace the engine or not.
Speaker 4: If they didn't and they lied to you into fifteen hundred. Now,
Speaker 4: did Michaels take the fifteen hundred or did their mechanic
Speaker 4: do it?
Speaker 24: Fifty auto sales guy named tes Fey, he took it.
Speaker 24: He took the fifteen hundred cash. And you know, we
Speaker 24: don't think he replaced the engine at all because they
Speaker 24: worked for four months, literally only four months, and then
Speaker 24: it started to jerk around.
Speaker 4: And way, hold on, now, what is the name of
Speaker 4: the so that you didn't pay the Michael's Auto Sales
Speaker 4: this money?
Speaker 24: No cash only to gift the auto sales because they
Speaker 24: said cash only and they were and.
Speaker 4: What are you saying? Nifty nifty auto sales g.
Speaker 24: G I s t y eight thousand eight coal facts.
Speaker 24: And the guy's name is Teste. And when we went
Speaker 24: back to him in June after the car quit after
Speaker 24: four months of working, we went back to him in
Speaker 24: June of this year, and he said, I've never.
Speaker 19: Seen you before.
Speaker 4: Oh my god, is there any way to prove that
Speaker 4: he even took the money from you.
Speaker 24: His re seat in the first place, Tom.
Speaker 5: Was, Mary, you didn't get a receipt.
Speaker 24: I told my husband, make sure you get a receipt.
Speaker 24: This guy wants cash. He's not going to give you
Speaker 24: a seat. I said, make sure he gets your receipt
Speaker 24: or he's gonna screw us.
Speaker 18: He came back to the car.
Speaker 19: He said, did you get a receipt?
Speaker 24: He goes no, I said, I knew it.
Speaker 5: So basically, Mary, this never happened.
Speaker 4: Nifty you'll say it never happened, yeah, or gifty.
Speaker 24: He said he'd never seen us before in huge Oh my,
Speaker 24: I've never seen you before.
Speaker 4: Okay, listen, let's just let's just go with both suggestions.
Speaker 25: Mary, you need to take your car to the Lexus dealer.
Speaker 25: Their dealers are pretty good. They have the answer to
Speaker 25: the manufacturer. I would take it there since it's close
Speaker 25: to where you live. Pay, you know, pay the one
Speaker 25: hundred or two hundred and fifty dollars, and I believe
Speaker 25: your warranty company will assist you in pain for the
Speaker 25: diagnostic and have a real company check it out.
Speaker 4: If that's the original engine, there's nothing we can do
Speaker 4: because we can't prove a gift receipt. So if that's
Speaker 4: the original engine, though, maybe your warranty you'll cover it
Speaker 4: because you have a warranty. I have to take this break.
Speaker 4: We have more coming up on the Troubleshooter show. Go
Speaker 4: with a Sure Thing, Denver's Best Roofer, Excel Roofing, Dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free no obligation comparison call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three all three seven to seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate man dot com
Speaker 4: to list your home with Remax Alliance three all three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, you're
Speaker 4: a troubleshooter. Three oh three seven one three talk seven
Speaker 4: two five five. Susan wants a NOVAP deck consolidation. What's
Speaker 4: going on, Susan?
Speaker 23: High come times?
Speaker 21: We have we have.
Speaker 23: My son and son and daughter in law have gotten
Speaker 23: them to early thirties, have gotten themselves in considerable debt.
Speaker 4: How much?
Speaker 23: And I'm trying to about seventeen grand?
Speaker 4: Okay?
Speaker 23: Yeah, And they they're kind of frivolous and they need
Speaker 23: someone to kind of give them a come to Jesus.
Speaker 23: I'm doing a budget and I was thinking counseling, budget counseling, I.
Speaker 4: Mean it'll it's called yeah, or consumer credit counseling. Used
Speaker 4: to be an organization did that. But anyway, so what
Speaker 4: about it?
Speaker 23: Well, I'm just wondering what's the best way to go
Speaker 23: for them to go about working on this debt.
Speaker 4: Okay, do they start? I'm going to I'm going to
Speaker 4: run out of time, but I'm going to start, and
Speaker 4: then i'll take you right up right after the news.
Speaker 4: Here's the bottom line with seventeen grand in debt. I
Speaker 4: know you've heard about debt consolidation. That's mostly false. There
Speaker 4: is no real There is no real true debt consolidation
Speaker 4: without security, meaning you can't simply go out and get
Speaker 4: a seventeen thousand dollars loan and hope that someone's going
Speaker 4: to take a chance on you. It's just not going
Speaker 4: to happen. All debt consolidation loans are either secured or
Speaker 4: they're outrageously expensive to where it doesn't pay doing them
Speaker 4: because you have loan sharks doing them. So it's better.
Speaker 4: But that doesn't mean you can't negotiate settlements. You can
Speaker 4: you if you, but you have to have lump sums
Speaker 4: to do settlements.
Speaker 5: But where do you get lump sums? That's the problem.
Speaker 4: The truth of debt consolidation is this, in order to
Speaker 4: get debt consolidation. You have to have something. You have
Speaker 4: to have a house, a second or anything like that.
Speaker 4: They have a house. Yeah, okay, well we can talk
Speaker 4: about that coming up. I can talk to you about
Speaker 4: not getting ripped off. That's the most important thing. Hang on,
Speaker 4: I'm Tom Martino. Dek consolidation coming up. Plus, Monique has
Speaker 4: an issue with an HOA and then we're going to
Speaker 4: talk about an issue with another kind of a car sale.
Speaker 4: All of that coming up on the Troubleshooter Show. Plus
Speaker 4: we have Redrocksars dot com, roof and solar coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excelroofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup free no obligation comparison call Compass Insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three O three seven to seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three three nine two
Speaker 4: zero sixteen twenty two.
Speaker 1: Yeah, ripped up. You need advice so you don't have
Speaker 1: come run in just as fast as we can.
Speaker 2: Shooter's gonna help come man.
Speaker 4: This is the Troubleshooter Show. No Tom Martino, Hi Tom
Speaker 4: Martino here three oh three seven one three talk seven
Speaker 4: one three eight two five five. Welcome to the only
Speaker 4: show anywhere if it's kind. This hour brought to you
Speaker 4: by Excel Roofing dot Com. I love Excel. No money down,
Speaker 4: you don't. They don't. You don't pay a cent ever
Speaker 4: to them until they're you're content. That's the end of
Speaker 4: the job. They don't uh, they don't make you sign
Speaker 4: anything for them to examine the roof damage and to
Speaker 4: give you a complete, detailed contract. You don't have to
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Speaker 4: let's talk what's on your mind today. I have Red
Speaker 4: Rocks with us Red Rocks roof and Solar talking about
Speaker 4: solar systems, and I want to talk about a couple
Speaker 4: things after I take these calls. Susan wanted to talk
Speaker 4: about debt consolidation coming up. I'm going to tell you
Speaker 4: how to save ten percent on your electric bill without solar.
Speaker 4: I mean, I don't mean we I also like solar
Speaker 4: is a bad thing. But there's a program going around
Speaker 4: I want you to know about. It's connected to solar,
Speaker 4: but you don't have to have the system. It's weird,
Speaker 4: just weird. Anyway, We're going to try to explain that
Speaker 4: to you, Susan. Her son and daughter in law gott
Speaker 4: into seventeen thousand dollars in credit card debt. How is
Speaker 4: their credit right now, Susan, Did they trash their credit
Speaker 4: or are they barely making pay?
Speaker 14: I don't know.
Speaker 23: I don't know. I should have asked him that, But
Speaker 23: I can ask them, Okay, And.
Speaker 5: How much equity do they have in their house?
Speaker 4: If any?
Speaker 23: How much equity do they have in their house?
Speaker 4: Sorry?
Speaker 19: Good, asked the husband.
Speaker 23: Sure, how much equity do they have in their house?
Speaker 10: Not much?
Speaker 23: Apparently.
Speaker 4: Oh, and they may not be able to they'd have
Speaker 4: to have enough to take out seventeen grand.
Speaker 22: I think they'd have to put at least twenty percent
Speaker 22: to get a mortgage.
Speaker 4: With mortgage insurance.
Speaker 5: In their case, they have a home already.
Speaker 22: What are you talking about, Well, in their home, in
Speaker 22: order to get a mortgage on that home, it sounds
Speaker 22: like they would have to put at least twenty percent down.
Speaker 4: In other words, you're saying they probably have at least
Speaker 4: twenty percent. Yeah, in order to get a mortgage, they
Speaker 4: must have. But most, but most people won't loan even
Speaker 4: on a second They won't loan more than eighty percent,
Speaker 4: sometimes ninety percent. So how much do you know how
Speaker 4: much they owe in their house? Susan?
Speaker 23: Oh, gosh, they paid five Do you know how much
Speaker 23: they owe on their house?
Speaker 4: Pet?
Speaker 23: Six hundred thousand?
Speaker 4: Probably just so? And what did they pay for the house?
Speaker 16: Would they pay?
Speaker 19: Pat?
Speaker 23: Five sixty? Sorry, he's got the about six twenty?
Speaker 4: So they don't have much equity at all?
Speaker 23: And oh no, no, they don't count.
Speaker 4: Okay, So, oh, and do you know what the rate
Speaker 4: is on that first loan?
Speaker 23: Six points? They got forty thousand in equity? My husband says, yes,
Speaker 23: I think you were like six point two five or
Speaker 23: something like that.
Speaker 4: Okay, I'm going to ask another question. If they're not listening,
Speaker 4: this is good, are you eyes willing to loan of money.
Speaker 23: NOP can't right now, can't right now, we're retired. My
Speaker 23: husband got West Nile severe case, really and rehab for
Speaker 23: like three months. He got the neuroinvasive kind.
Speaker 4: How do you get it?
Speaker 23: Complete mosquito bite, complete paralysis, necked down, ventilator, trachy out.
Speaker 4: Oh my god, wait a minute, I mean, Susan, how
Speaker 4: do you know what's from a mosquito bite?
Speaker 23: Because that's what was carrying them?
Speaker 19: And how long ago was that virus?
Speaker 23: This is September, September fifth. We're going to have a
Speaker 23: big year long celebration form in a couple of days.
Speaker 23: It was September fifth. He went into the hospital by
Speaker 23: the eighth. He was in intensive care. We finally got
Speaker 23: him home in December, but he.
Speaker 4: Still was very weak.
Speaker 23: Needed a lot of physical care, which I was able
Speaker 23: to do because I'm a nurse. It's been wrong, it's
Speaker 23: been insane.
Speaker 4: Listen anyway, there's not much hope for this seventeen grand
Speaker 4: unless but I'm going to give you some techniques here.
Speaker 4: If they still have reasonable or good credit, they can
Speaker 4: do balance transfers. Some cards offer zero percent balance transfer
Speaker 4: for a certain amount of time, and you can they
Speaker 4: can transfer it and try making payments on it to
Speaker 4: get it down and keep doing that transfer game. That's
Speaker 4: what some people do. Do you know how many different
Speaker 4: cards they have?
Speaker 19: Oh?
Speaker 4: No, I don't know. And the more important thing is
Speaker 4: this where they putting it on credit because they don't
Speaker 4: have enough to meet their bills every month. I mean,
Speaker 4: because then that would.
Speaker 23: Be matter what probably more details.
Speaker 4: Well, let's put it this way. If they're charging stuff,
Speaker 4: If they're charging stuff because they don't have enough to
Speaker 4: pay their bills, then getting a loan to pay off
Speaker 4: this equity is only a band aid. It's not going
Speaker 4: to help them. They're going to go right back into
Speaker 4: debt again.
Speaker 18: Okay.
Speaker 4: I mean they have to increase their income or decrease
Speaker 4: their their expenses.
Speaker 14: M hm.
Speaker 23: Okay, what what what would you recommend just to start baseline?
Speaker 23: What do you know anyone that would do just plain
Speaker 23: budget counseling help them get a budget going.
Speaker 4: Okay, you know what I used to I used to
Speaker 4: know people hold on, let me just see, there are negotiations,
Speaker 4: let me just see. It's hard to say there consumer
Speaker 4: credit counseling. It was, you know, consumer credit counseling. A
Speaker 4: lot of people think, oh, that's just a scam. It
Speaker 4: really isn't a scam, but what it is, it's truly
Speaker 4: a play a way to What Consumer Credit Counseling did
Speaker 4: was help people. But they have and it's a nonprofit agency,
Speaker 4: but it's you know, the original one. What it did
Speaker 4: was it helped people. They did this service to keep
Speaker 4: people from going bankrupt, and they were actually supported by
Speaker 4: the credit card industry because the credit card industry felt,
Speaker 4: if we can keep people from going bankrupt, it would
Speaker 4: be better, you know, so they supported them. It's there
Speaker 4: is a Consumer Credit Counseling Foundation, but I don't know
Speaker 4: if it's the same one, and I hate Then there's
Speaker 4: consumer credit dot com. I got to figure out which
Speaker 4: one is the legit one or you can look it
Speaker 4: up because some of them are not legit. They charge
Speaker 4: monthly fees and they're full of crap. But the ones
Speaker 4: that are legit are actually supported by the credit card companies,
Speaker 4: believe it or not. I think what you need to do,
Speaker 4: what you need to do is there's no magic here.
Speaker 4: I mean as far as counseling, what do you mean
Speaker 4: by counseling? This is what I don't understand, Like how
Speaker 4: not to spend money.
Speaker 23: Well basically, uh, basically just rudimental really setting up a
Speaker 23: budget for starters, okay, and then helping them with what
Speaker 23: to spend money on where, you know, just really we
Speaker 23: need I know what you're saying.
Speaker 4: Yeah, things that school don't teach that every that every
Speaker 4: person needs, right the schools. You know what's here's what's funny.
Speaker 4: Schools don't teach budgeting, real life, insurance, buying a car.
Speaker 4: They don't teach nutrition. I mean, I swear to you
Speaker 4: they come out of school dumber than they went in.
Speaker 4: But but I don't know any I really don't know
Speaker 4: any services I'm looking and I wish I did, I
Speaker 4: really do.
Speaker 25: I have a suggestion for Susan. Yes, Bo, Susan, your
Speaker 25: your kids should take a WRAPO community college in expense
Speaker 25: that they do have a class on budgeting and personal
Speaker 25: fund do they?
Speaker 4: Yeah, my daughter's going there, And what a great idea.
Speaker 25: And then you don't have to pay a monthly fee
Speaker 25: and get some college credit.
Speaker 4: And I think that would be perfect. Wow, that's not
Speaker 4: a bad you know, a rap community college. I hear
Speaker 4: so many good things about them.
Speaker 19: Yeah, they're very good.
Speaker 4: I heard a lot.
Speaker 23: I like that.
Speaker 5: Yeah, you can try.
Speaker 23: They're talking about a very low level kind of all right,
Speaker 23: this is what you've done. We need to get you
Speaker 23: out of this, don't do it again kind of thing.
Speaker 4: You know what I need to do, I swear if
Speaker 4: ever I, if ever I start slowing down in life,
Speaker 4: I need to put together a course for kids. I'm serious,
Speaker 4: where where kids come voluntarily and we can put together
Speaker 4: a two week course or something for kids because it
Speaker 4: is so critical. Our our education system sucks. I mean anyway,
Speaker 4: thanks for calling and try that and let us know
Speaker 4: how that a rap hole community college stuff goes three
Speaker 4: oh three seven one three eight two five five. I
Speaker 4: want to sneak this in real quick here, Monique, what's
Speaker 4: going on with the HOA? Maybe we can get a
Speaker 4: deputy working on this. What's going on?
Speaker 14: Monique, tom thanks for taking my call. I am trying
Speaker 14: to find my ZN so try to make as quick
Speaker 14: as I can for you. But Monday evening we get
Speaker 14: home off to work and we notice that our three
Speaker 14: foot one hundred and twenty pound ish Buddhist statue is gone.
Speaker 14: It's missing.
Speaker 4: Oh my god.
Speaker 18: Yeah.
Speaker 14: So and we had been robbed April twenty third of
Speaker 14: a much smaller Buddhist statue in the same spot. So
Speaker 14: of course it's now Friday evening.
Speaker 21: Is this is this?
Speaker 4: Like? Is this an expensive statue?
Speaker 14: Probably about between five six hundred dollars? Oh, okay, and
Speaker 14: it's in an apartment conflex.
Speaker 4: Wait, so where was this statue inside your apartment?
Speaker 14: No? Outside the front door. So everyone has like pop plants.
Speaker 4: Little chain Oh, I get it. I get it. So
Speaker 4: they like have planters and stuff. Was this allowed, this
Speaker 4: Buddhist statue? Do you know?
Speaker 14: So we have a whole two pages of bylaws. We
Speaker 14: rent the property from our landlord and don't have access
Speaker 14: to the portal. So I looked through the bilaws and
Speaker 14: all states on the bylaws is you can have something
Speaker 14: that cannot be bigger than a post plant. So it's
Speaker 14: anything that cannot be bigger than a poset plant. But
Speaker 14: there's no size specifications at all.
Speaker 4: Do you do you think the Hua took it?
Speaker 14: I know the Hia took it after my investigation.
Speaker 4: Do you think they did it clandestinely or they took
Speaker 4: it because you were violating the rules openly? In other words,
Speaker 4: do they admit they took it?
Speaker 14: They admit they took it off after really having to
Speaker 14: pound them. So one of our neighbors kind of indicated
Speaker 14: he thought that they took it, and so I called
Speaker 14: And the property management company is called Hammersmith. So I
Speaker 14: called them and I was like, what's going on? Of
Speaker 14: course they never owned the phone.
Speaker 4: So right now, though they admitted it, they admitted it.
Speaker 5: Oh my gosh. Hold on a second.
Speaker 4: I wonder if we have any any I wonder if
Speaker 4: they violated any laws. I'm not talking about THEFT. I
Speaker 4: want to talk about freedom of expression or anything like that.
Speaker 4: Hold on, we'll come right back. We got more coming
Speaker 4: up on the Troubleshooter Show. Three O three seven one
Speaker 4: three two five five Go with a sure thing Denver's
Speaker 4: Best roofer Excel Roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three all three seven seven to one help You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martino, you're troubleshooter three all three seven one
Speaker 4: three talks seven one three eight two five five. We
Speaker 4: handle a lot of different stuff in this place, man,
Speaker 4: but I gotta talk. I'm gonna go right back to that.
Speaker 4: I just want to say something. Brook Brook is with redrocks.
Speaker 4: We got we gotta touch on this saving ten percent now.
Speaker 4: I got this notice from Excel Energy saying you can
Speaker 4: save ten percent right now on your bill and Excel
Speaker 4: will remain your electricity provider. There will be noses rocks.
Speaker 4: Nothing has to be hooked up to your house. Period.
Speaker 4: You simply lease sign up for this program. And the
Speaker 4: way I read it, when I sign up for this program,
Speaker 4: I become a virtual member of a solar farm. Yep,
Speaker 4: even though that solar farm is not producing directly for me.
Speaker 7: That's correct.
Speaker 4: It's offsetting my electric bill.
Speaker 7: It's not offsetting your electric bill.
Speaker 6: They're just giving you a ten percent disco as being
Speaker 6: part of that program.
Speaker 4: I don't get it. Why would they give me a
Speaker 4: ten percent discount for being part of someone else's solar farm.
Speaker 6: Yeah, So the federal government is incentivizing the utility companies
Speaker 6: to push folks to solar want more solar, right, and
Speaker 6: so Excel is required to have so many folks sign
Speaker 6: up for this program. It also prevents folks from adding
Speaker 6: solar to their own house, so they're not losing as
Speaker 6: much in come if you do this solar field program.
Speaker 4: So they'd rather you take a ten percent discount.
Speaker 5: Than save tons more exactly. No, here's what I want
Speaker 5: to know.
Speaker 4: Is Excel making the solar fields or are these independent
Speaker 4: solar fields.
Speaker 6: They're tied to excels grid, so I don't know the ownership.
Speaker 6: Typically utilities don't own the solar field because they want
Speaker 6: somebody else to own it to pay for the maintenance.
Speaker 4: It all right, So they do solar fields and then
Speaker 4: Excel accepts them or approves them, and then they sell
Speaker 4: share They don't sell shares, but they a lot.
Speaker 5: So theoretically, can one solar field.
Speaker 4: Give discounts to more people that would normally be served
Speaker 4: by that field? Or is there a limit to how
Speaker 4: many customers can be You know what I'm saying by that,
Speaker 4: Like they're telling me I can be part of this
Speaker 4: particular field. How many people can be part of each
Speaker 4: particular field?
Speaker 5: Do you know?
Speaker 6: You know it's going to be dependent on how big
Speaker 6: that solar field is, where it's located, the asthmuth of
Speaker 6: the array, all of those details.
Speaker 7: Which I won't have access to neither will you.
Speaker 6: Even if you called Excel to ask them questions on that,
Speaker 6: they wouldn't know which one they're talking about setting you
Speaker 6: up with.
Speaker 4: You know, it reminds me almost in the old days,
Speaker 4: and they still do it for developing what's called water rights.
Speaker 4: Water rights were offsetting, in other words, in order to
Speaker 4: build it. When I did a development somewhere, even though
Speaker 4: I was in this part of the country, if I
Speaker 4: wanted to put in a well, or people that live
Speaker 4: there put in wells, or I wanted to put in
Speaker 4: a water system, and I wasn't tied to a municipal
Speaker 4: water system, I had to buy water rights. Theoretically, a
Speaker 4: water right is not really taking the water. It's just
Speaker 4: saying that I'm buying the rights out of this aqua
Speaker 4: for in order to be able to do a well
Speaker 4: over here. The water was not actually transported to me,
Speaker 4: but it was allotted for to keep people because there's
Speaker 4: only so many water rights, so it kept people from
Speaker 4: overdrilling it.
Speaker 5: I know this might sound like a bad analogy, but
Speaker 5: it's not.
Speaker 4: It's almost like saying, if we put in enough solar
Speaker 4: energy over here, we can theoretically allot it to you, yep. Okay,
Speaker 4: even though even though it's not going directly to your house,
Speaker 4: it's going into the grid, and by giving you a
Speaker 4: ten percent discount, we're allotting some of that to you, yep.
Speaker 6: And then they get to put you on a tally
Speaker 6: for their filings to the federal government or whomever, to
Speaker 6: say we have these many people sign up minds, and
Speaker 6: then they can get so anyone.
Speaker 4: Can sign up and get a ten percent discount if
Speaker 4: if there's a solar field around, right or do they
Speaker 4: have enough solar fields for everyone every one of their customers,
Speaker 4: do you know? So that's the goal. Problemly, Excels in.
Speaker 6: A couple of different states, so I don't know if
Speaker 6: they're working on this program just in Colorado, because each
Speaker 6: utility has to follow the state regulations.
Speaker 7: In federal Colorado is the strictest.
Speaker 6: One or the one that's pushing for the most renewable
Speaker 6: So I would assume that Colorado's folks are the only
Speaker 6: ones that have access to that in Excels territory right now.
Speaker 4: Wow, people, I urge you to sign up for it.
Speaker 4: I'm going to There's no downside, Monique. So listen, Monique,
Speaker 4: you're hoa removed basically your Buddhist statue from out in
Speaker 4: front of your apartment. Okay, Now here's what I've read
Speaker 4: and looked at. They can they if they can't single
Speaker 4: out the Buddha or even you know, maybe a statue
Speaker 4: of Christ or any other religious figure, but they can
Speaker 4: forbid or outlaw however you want to put it, prohibit
Speaker 4: all statues. Does that make sense?
Speaker 14: Absolutely?
Speaker 4: Now?
Speaker 14: And that totally makes sense.
Speaker 4: So did you look around? Did you look around to
Speaker 4: see if there are other statues out there that have
Speaker 4: not been removed?
Speaker 14: They aren't, to my knowledge, any statues, but there's different
Speaker 14: kinds of churchgooes and chairs and things. But I also
Speaker 14: know it wasn't a violation because the assistant manager at Hammersmith, Brianna,
Speaker 14: called me and we had a lengthy conversation which I
Speaker 14: actually recorded, where she stated we were not in any violation.
Speaker 14: No violation has been issued. It was simply a warning
Speaker 14: that was posted on the portal, and so I went
Speaker 14: to our landlord. I said, please check the portal and
Speaker 14: see what they're talking about. And she came back and said, oh, yes,
Speaker 14: there was a message posted at six forty five pm
Speaker 14: on Friday that in three days it would be removed.
Speaker 14: And by Monday morning we see most morning we were
Speaker 14: at work it was gone. But that was the extent
Speaker 14: of their notification. And Brianna said, there was no violation
Speaker 14: in it, but.
Speaker 4: Hold on, what was the warning though, I still don't
Speaker 4: understand the warning. What was the warning?
Speaker 14: There was a photo taken and this was only off
Speaker 14: This information came to me after we thought we had
Speaker 14: been loved. On the portal there was a photograph taken
Speaker 14: off the buddha saying we don't know who's this who
Speaker 14: this Buddha belongs to? Picture taken at our front door
Speaker 14: and if it's not claimed within three days, we will
Speaker 14: be removing it.
Speaker 4: Okay, but wait, wait, what if you did hold on?
Speaker 4: What if you did claim it? Would they let you
Speaker 4: keep it outside?
Speaker 14: I don't know the answer to that.
Speaker 5: Well, that's what we have to find out, Monique.
Speaker 14: Yeah, but also but we have to know.
Speaker 4: Though, that's what we have to find out totally. I'm
Speaker 4: going to give this here's what I want to know,
Speaker 4: Here's what I want to know specifically. I want to
Speaker 4: know what is allowed outside the rules are vague, and
Speaker 4: can they show us in writing what is allowed and
Speaker 4: what's not allowed? Monique, I'm just going to ask you
Speaker 4: straight up, are you suspecting it was removed because it
Speaker 4: is a statue of Buddha.
Speaker 14: I can't speak to the motivation. All I can speak
Speaker 14: to is once we claim the property, does Adriana Roberts,
Speaker 14: project manager, who I have been going back and forth
Speaker 14: for days, first of all, wouldn't tell me where our
Speaker 14: property was. She made it seem like it was gone
Speaker 14: in a storage locker that Hammersmith has in jail. Eventually
Speaker 14: she told me it was at our in our property,
Speaker 14: locked up. And today when I bumped into an hoa
Speaker 14: board member who I kind of just I didn't really
Speaker 14: know she was a board member, she kind of outed herself.
Speaker 14: She find me release the Buddha that they had locked
Speaker 14: away in the boiler room.
Speaker 4: Now may I ask about this? Are this is for
Speaker 4: you a religious expression? Right?
Speaker 14: You know it's I don't want.
Speaker 4: To well, but there's a reason. There's a reason I'm
Speaker 4: asking because it has to do specifically with the law. Okay,
Speaker 4: For example, would it be similar. Would it be similar
Speaker 4: to let's say a Catholic having or a Catholic having
Speaker 4: a statue of the blessed Virgin Mary or something? Would
Speaker 4: it be kind of like, ok yes, okay, we need
Speaker 4: to call over there and find out their rules and
Speaker 4: how they're applying them and if you can put it
Speaker 4: back out there. Let's not speculate right now. I want
Speaker 4: to know. Hold On and Deputy Bow the great idea.
Speaker 4: Let's just ask him three oh three seven one three
Speaker 4: A two five go with a sure thing Denver's Best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up, free
Speaker 4: no obligation comparison call Compass Insurance Paying too much your
Speaker 4: coverage at dozens of insurance companies find out now three
Speaker 4: oh three seven seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank Durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Argosino, your troubleshooter. Three oh three seven one
Speaker 4: three talk seven one three eight two five five Listen
Speaker 4: when redrocks isn't here. They're at redrocksars dot com. Three
Speaker 4: oh three seven zero four two four four nine. We're
Speaker 4: not done with them. I just wanted to let you
Speaker 4: know that seven zero four two four four nine. And
Speaker 4: we're going to talk about getting finance and possibilities of investments.
Speaker 4: If for commercial systems. They we talked about this before.
Speaker 4: You can buy tax credits from those who can't use them,
Speaker 4: and that seems like the slam dunk depending on the spread.
Speaker 4: For example, let's say you know you're gonna pay one
Speaker 4: hundred thousand taxes this year, so if you bought one
Speaker 4: hundred thousand dollars in tax credits and you paid eighty
Speaker 4: grand for them, you're gonna save twenty grand. That seems
Speaker 4: pretty logical. Right. We'll talk about some of that right now. Dane,
Speaker 4: you want to talk about your twenty sixteen Super outback.
Speaker 4: What's going on?
Speaker 10: Yes, sir, my mom came out for a visit after
Speaker 10: my dad died and we went to the dealership day
Speaker 10: before my birthday on the twenty ninth of June, and
Speaker 10: she bought me this car outright, and okay.
Speaker 4: And what's the problem with the car, Well, we didn't
Speaker 4: find that out for quite a while, for about three weeks,
Speaker 4: but I had to take it back for a week. Now,
Speaker 4: did you I hate asking this, but I ask it
Speaker 4: every time. Did you guys get the car checked before
Speaker 4: you bought it?
Speaker 10: We did not, independently, but they told us swore up
Speaker 10: and down. The salesman said that it was gone through
Speaker 10: head to toe obviously not ended up being about four
Speaker 10: weeks after I got it, there was an oil light on.
Speaker 10: We stopped and checked it immediately and no oil registered
Speaker 10: on the dipstick.
Speaker 4: Well, did you guys, did you guys check it during
Speaker 4: that four weeks? Check the oil? No?
Speaker 10: Everything was fine.
Speaker 4: I understand, But in other words, you never checked the
Speaker 4: oil because normally you you regularly how many miles on
Speaker 4: this car?
Speaker 10: One and eight to begin on?
Speaker 4: Normally with one hundred, especially with that much, normally you
Speaker 4: would check it. You know what I'm saying, You would
Speaker 4: like when you fill up for gas, you check your oil. Now,
Speaker 4: I'm going to be honest with you. iHeart do it
Speaker 4: because I have the gauges inside to look at, and
Speaker 4: it's a newer car, but I think with an older
Speaker 4: car it's almost ten years old. And then it's also
Speaker 4: well it's eight years old, and then you have that
Speaker 4: many miles, you would probably how many minds you said
Speaker 4: about one hundred and twenty right or whatever? One hundred
Speaker 4: and thirty yeah, right, Yeah, So I don't know, man,
Speaker 4: I would, I would make sure I had checked it,
Speaker 4: but you found four weeks later no oil. Tell me
Speaker 4: is the engine toast right now? No?
Speaker 10: But I just had a call that they had fixed it.
Speaker 10: There's so much that happened in between them, and I
Speaker 10: never got a straight answer. And then at one point
Speaker 10: they came on and said that no, it's not fixable.
Speaker 10: Let's get you in a different car. So we go
Speaker 10: in and meet with the same salesman.
Speaker 4: Anything, Hold on, you didn't do that, did you? Did
Speaker 4: you get into a new car? No?
Speaker 10: He wanted six thousand more dollars, but was only giving
Speaker 10: me thirteen thousand towards.
Speaker 4: I need to know this particular car. Let's talk about it.
Speaker 4: What's wrong with it? What's wrong with it?
Speaker 10: It turned out to be that kim kit carrier seals
Speaker 10: were leaking into the engine cover underneath.
Speaker 4: Okay, and what did they say? Hold on? What did
Speaker 4: they say that would take to fix?
Speaker 10: They wanted me to pay fourteen after three weeks of
Speaker 10: owning it, and they had it for one of those weeks,
Speaker 10: and I know that unacceptable.
Speaker 4: Well, she came back, did you take it somewhere else, Dane?
Speaker 4: Did you take it anywhere else to check?
Speaker 10: No, they've had it since then.
Speaker 4: Okay, I had, Dane. I'm gonna get Let me give
Speaker 4: you some cold hard facts. Unless they lied to you
Speaker 4: or cheated you, and I know you think they did,
Speaker 4: but I'm talking about fraudulently to where you can prove it.
Speaker 4: It's going to be difficult, really difficult to claim they
Speaker 4: owe you anything on an as is car. Now I
Speaker 4: get you four weeks later. You know you found no oil?
Speaker 4: You said, right right, and.
Speaker 10: You have do your warranty on their use vehicles.
Speaker 4: Wait a minute, it is covered. Wait a minute. Do
Speaker 4: you you bought that with a warranty?
Speaker 10: All of Shuburger's used cars?
Speaker 4: Now, where is schu Burger? Where are they located? Shu Burger? Okay,
Speaker 4: so they have a two year warranty. So did they
Speaker 4: tell you this is covered?
Speaker 10: He mentioned it when we first bought the car. Briefly
Speaker 10: after this happened, and he had us come into I'm
Speaker 10: thinking they're just going to trade me out to this
Speaker 10: newer car when during newer but no, he said that
Speaker 10: it wasn't covered and I asked him why and he said,
Speaker 10: I don't know.
Speaker 4: I said, well, well, where can I find out about you?
Speaker 4: How are you spelling Huburger's h e U B h oh?
Speaker 4: Hold on h h e U B. I got it
Speaker 4: b e R g e R super up. I found
Speaker 4: it in Colorado Springs, right, yeah, I found it. They
Speaker 4: have really they have really really good ratings.
Speaker 10: I know that, but I've definitely have a new GM recent.
Speaker 4: Oh man, let's you know what, I think we should
Speaker 4: call them. I really think we should have somebody check
Speaker 4: this out. Hey, Doc, is he there?
Speaker 18: Hey?
Speaker 4: Doc, this looks like a pretty good dealership. I'm not
Speaker 4: saying that they didn't do anything wrong, but if they
Speaker 4: have a warranty, I don't know if they have a
Speaker 4: warranty or not. I mean, you didn't get a written
Speaker 4: warranty of any kind. You didn't get the car checked out, Dane.
Speaker 4: You got weak footing here. We're not going to tell
Speaker 4: them that, but it's gonna be weird. We gotta we
Speaker 4: got to try to get you some help. I mean,
Speaker 4: I have called the Advocacy Center now we're here's what's
Speaker 4: that the advocacy center.
Speaker 10: I couldn't really answer that.
Speaker 4: I don't know what that is. We are an advocacy center,
Speaker 4: I mean, you know, in other words, and well, what
Speaker 4: I mean is this.
Speaker 5: Anybody can call themselves an advocate.
Speaker 4: I just don't want you getting hooked on somebody that
Speaker 4: they didn't want anything from you, did they No? Okay, okay, good,
Speaker 4: we will talk to you off the air, And here's
Speaker 4: what we're gonna do. We're gonna examine the warranty thing
Speaker 4: and also just talk to them to see if they
Speaker 4: can do anything about you. They have really good ratings.
Speaker 4: I don't think we're dealing with a shlock business. And
Speaker 4: they might be, they might do something. They it just
Speaker 4: strikes me as a just from what I'm seeing here,
Speaker 4: they doc they strike me as a pretty good place,
Speaker 4: you know.
Speaker 22: Yeah, I'll talk to Dan, I'll talk to the company,
Speaker 22: find out what's going on, and hopefully have a report
Speaker 22: for you by tomorrow.
Speaker 4: Dane, what did your mom pay for this?
Speaker 10: Fifteen eight hundred? And they were only going to give
Speaker 10: me thirteen towards a new vehicle, a different vehicle and
Speaker 10: ordered that money though, And he said I don't know.
Speaker 4: Well, well, Dane listen, Dane, listen, you are going to
Speaker 4: be responsible for something. I mean, I don't know what
Speaker 4: you just yet. Let's just figure this one out. I
Speaker 4: just want to know how that went bad so fast?
Speaker 4: We got more coming right up. I'm Tom Martine. Go
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Speaker 4: zero sixteen twenty two. Hi Tom Martino here three oh
Speaker 4: three seven one three talk seven one three A two
Speaker 4: five five. Very interesting day. Let's finish up with birdvoxrs
Speaker 4: dot com, Redroxsmoof and Solar. All right, I'm gonna go
Speaker 4: to a white shot here. Okay, so Brooke on the
Speaker 4: on the solar system we're doing here, If we do
Speaker 4: a complete solar system at home. What is the total
Speaker 4: tax credit you can get for a residential system? Is
Speaker 4: it forty or thirty percent?
Speaker 6: It depends on what's tied to that house. But if
Speaker 6: it's just a normal residential and no small business tied
Speaker 6: to it, right now, thirty percent is guaranteed. They're considering
Speaker 6: the additional ten percent as a domestic or buy American
Speaker 6: to be for residential.
Speaker 4: Two, but right now it's just for commercial.
Speaker 7: It was for both and then they took it back,
Speaker 7: so it don't sure.
Speaker 4: Yeah, so right now tax credits for a business system,
Speaker 4: a commercial system yep. And then two if the products
Speaker 4: are sourced in the US yep, which yours are. Okay,
Speaker 4: could I theoretically I'm not saying I would do this,
Speaker 4: but I'm asking people because everyone's thinking this. So I
Speaker 4: have this studio here at this house. So if I
Speaker 4: put a solar system here, is it considered commercial or
Speaker 4: residential as long as.
Speaker 6: The installation agreement is signed by the business. As far
Speaker 6: as tax purposes go, it's tied to the business.
Speaker 4: Okay. So you can have like farms and stuff like that,
Speaker 4: do commercial systems?
Speaker 6: Yeah, tax considered commercial is different than actual and you do.
Speaker 4: Have people selling tax credits right now, if people contacted you, yep,
Speaker 4: all right, that's redrocksars dot com.
Speaker 5: And don't forget three oh three Martino