WEBVTT 1 00:00:05.320 --> 00:00:10.720 Rip needed, so you don't have. 2 00:00:12.880 --> 00:00:13.640 Come running. 3 00:00:13.880 --> 00:00:18.719 Just as fast as we can, Shooter's gonna help coming. 4 00:00:19.079 --> 00:00:19.359 Man. 5 00:00:20.039 --> 00:00:24.239 This is the Troubleshooter Show. No Tom Martine. 6 00:00:24.800 --> 00:00:27.960 Hey, I'm Tom Martino, and I welcome you to the show. 7 00:00:28.239 --> 00:00:31.640 If you're streaming the show, welcome, of course. Our radio 8 00:00:31.679 --> 00:00:35.399 audience welcome to of course. But I wanted to mention 9 00:00:35.479 --> 00:00:37.880 if you're streaming and you see that good looking guy 10 00:00:37.920 --> 00:00:42.000 to the right of me, that's Brad O'Brien O'Brien Legal Services. 11 00:00:42.000 --> 00:00:44.799 He's an attorney at law that does real estate law. 12 00:00:45.399 --> 00:00:49.320 And we were talking before the show how the pendulum 13 00:00:49.320 --> 00:00:52.439 is swinging toward tenants rights. You know, when I first 14 00:00:52.520 --> 00:00:54.799 came to this state, one of my most frustrating calls 15 00:00:54.920 --> 00:00:58.840 was from a tenant. They were so upset, and I 16 00:00:58.880 --> 00:01:04.959 would just say, tough, we can't make a landlord do anything. 17 00:01:05.319 --> 00:01:08.359 In fact, health departments back in the day wouldn't even 18 00:01:08.439 --> 00:01:11.319 make landlords do anything. The most they would do with 19 00:01:11.400 --> 00:01:18.599 a really egregious situation is they would make something condemned 20 00:01:18.719 --> 00:01:23.200 right so you couldn't rent it. And here's the deal. 21 00:01:25.040 --> 00:01:27.879 Brad O'Brien and I were talking about this. Now there 22 00:01:28.120 --> 00:01:31.400 was a need for tenants rights. So now I get 23 00:01:31.439 --> 00:01:36.400 calls from landlords who are frustrated and upset saying they're 24 00:01:36.439 --> 00:01:39.519 losing their rights. Somewhere in the middle, there's got to 25 00:01:39.519 --> 00:01:43.799 be an answer, Brad O'Brien. There. I think we were 26 00:01:43.840 --> 00:01:46.760 long overdue as a state in general for tenants rights. 27 00:01:47.439 --> 00:01:49.640 But I don't like some of them. I don't like 28 00:01:49.760 --> 00:01:52.560 some of the laws. This just cause the one I 29 00:01:52.599 --> 00:01:55.599 get the most email about right now. And you've been 30 00:01:55.640 --> 00:01:59.319 helping landlords as part of your deal. You help everybody. 31 00:01:59.359 --> 00:02:02.640 You help consumers who are going to closings and they 32 00:02:02.719 --> 00:02:05.680 want to look at their finances, their financial paperwork, if 33 00:02:05.680 --> 00:02:08.919 it's let's say seller owner carry or or they're doing 34 00:02:08.960 --> 00:02:11.360 a partnership with someone on a fix and flip, or 35 00:02:12.039 --> 00:02:14.840 or they're just wanting you to go over closing docs, 36 00:02:16.000 --> 00:02:20.360 review ease men's recorded easements, whatever. But when it comes 37 00:02:20.439 --> 00:02:25.159 to landlords, why is there so much concern over the 38 00:02:25.240 --> 00:02:28.759 just cause clause? Now, let me explain what that is 39 00:02:28.800 --> 00:02:32.560 they and tell me if I'm doing it correctly. It 40 00:02:32.680 --> 00:02:35.120 used to be a lease was a lease was a lease, 41 00:02:35.319 --> 00:02:37.319 and you ended it when it was over or you 42 00:02:37.400 --> 00:02:41.439 evicted if they violated it, you can still evict if 43 00:02:41.439 --> 00:02:46.560 they violate. But upon renewal, you can't just ask them 44 00:02:46.560 --> 00:02:49.159 to leave, even if it's a month to month, even 45 00:02:49.199 --> 00:02:52.719 if it's a year to year. I think you have 46 00:02:52.800 --> 00:02:57.240 to renew it unless you have just cause. Is that 47 00:02:57.319 --> 00:02:58.800 an accurate summary or not? 48 00:02:59.080 --> 00:03:01.680 Yes, because of the land lord tenant changes this year. Now, 49 00:03:01.719 --> 00:03:06.199 a landlord cannot refuse to renew a tenant unless they 50 00:03:06.199 --> 00:03:07.639 have one of these reasons, like they want to sell 51 00:03:07.680 --> 00:03:09.439 the house, or they want to convert it from one 52 00:03:09.520 --> 00:03:11.400 used to a different kind of use, or they want 53 00:03:11.400 --> 00:03:14.360 to do a major rehab or there are some other 54 00:03:14.400 --> 00:03:17.280 exceptions like if the tenant was late like three times, Okay, 55 00:03:17.360 --> 00:03:18.280 then just so it. 56 00:03:18.840 --> 00:03:22.919 Is it is. Basically it can be a perennial lease. 57 00:03:24.159 --> 00:03:26.599 I mean it can. Why even bother putting a term 58 00:03:26.639 --> 00:03:28.840 on it anymore? Why even call it a one year? 59 00:03:28.919 --> 00:03:32.159 Well, this is all about tenants rights, right, and this 60 00:03:32.240 --> 00:03:34.719 is to give them some security that they can't just 61 00:03:34.919 --> 00:03:39.360 lose their house if they're the land the land you know, 62 00:03:39.400 --> 00:03:41.319 on their own whim decides not to renew their year 63 00:03:41.319 --> 00:03:41.840 to your lease. 64 00:03:42.960 --> 00:03:47.400 All right, So what are some of the just causes? Okay, 65 00:03:47.479 --> 00:03:51.479 let's I'd rather ask this, Can I just get rid 66 00:03:51.520 --> 00:03:54.400 of a tenant that I don't like, literally don't like. 67 00:03:54.759 --> 00:03:56.879 I don't like them. They complain a lot, they didn't 68 00:03:56.960 --> 00:03:58.840 violate any I don't like them. 69 00:03:59.240 --> 00:04:04.120 Well, this cause requirement only applies if for tenants who 70 00:04:04.120 --> 00:04:06.560 have been there for a year or longer. So if 71 00:04:06.560 --> 00:04:08.520 you don't like a tenant, you don't want to renew them, 72 00:04:08.520 --> 00:04:10.319 but they've been there for less than a year, then 73 00:04:10.360 --> 00:04:11.960 the landlord has the right to not renew that. 74 00:04:12.599 --> 00:04:14.759 Now, once they've been there a year or longer. 75 00:04:14.599 --> 00:04:17.560 Then the tenant has rights to continue. 76 00:04:18.600 --> 00:04:21.160 Leasing unless the landlord comes up with a reason like 77 00:04:21.199 --> 00:04:23.040 they want to sell, or they want to have a 78 00:04:23.040 --> 00:04:25.759 family member move back in, or they want to do rehab. 79 00:04:25.959 --> 00:04:27.800 So it's not that restrictive. 80 00:04:30.519 --> 00:04:34.079 Lando has to actually want to do and follow through 81 00:04:34.360 --> 00:04:35.800 with these things. If they say they're going to do 82 00:04:35.800 --> 00:04:37.240 a rehab and they don't do the rehab, then that 83 00:04:37.279 --> 00:04:38.000 gets them in trouble. 84 00:04:38.360 --> 00:04:42.680 Okay, Brad O'Brien, O'Brien Legal Services, Olslaw dot Com. By 85 00:04:42.720 --> 00:04:44.439 the way, this hour brought to you by Waterpros dot 86 00:04:44.439 --> 00:04:47.040 and at the best water systems, the lowest prices ever. 87 00:04:47.439 --> 00:04:50.480 And I'm serious in this year end deal right now, 88 00:04:50.680 --> 00:04:54.360 we're talking about some incredible deals. We're talking about thirty 89 00:04:54.360 --> 00:04:57.439 one to ninety five for whole house water softening, and 90 00:04:58.040 --> 00:05:01.720 that also includes at the kitchen in a reverse osmosis 91 00:05:01.759 --> 00:05:04.920 triple filter for drinking water. You know you can't have 92 00:05:05.040 --> 00:05:08.399 this combination for less money anywhere, And in fact, plumbers, 93 00:05:09.000 --> 00:05:13.720 I'll guarantee you that licensed master plumbers would charge these 94 00:05:13.759 --> 00:05:17.560 plumbing firms over twelve grand for this kind of system. Anyway, 95 00:05:17.600 --> 00:05:20.879 water Pros the lowest price, the best quality three zero 96 00:05:20.920 --> 00:05:24.759 three eight six two five five five four waterpros dot net. 97 00:05:24.959 --> 00:05:30.199 Now let's talk about Michelle's problem. She's got two thousand 98 00:05:30.240 --> 00:05:34.079 and nine Ford a scope, as they used to say 99 00:05:34.079 --> 00:05:36.720 in Nemo. Ever since I saw that movie, I can't. 100 00:05:36.959 --> 00:05:39.959 I always say, I mean, it gets old. Hey, Michelle, 101 00:05:40.120 --> 00:05:42.360 what's going on with your two thousand and nine Ford? 102 00:05:44.720 --> 00:05:48.720 Good morning? I took my cards to this repair man 103 00:05:48.759 --> 00:05:53.720 that's in Lafayette, the Diagnostic Solutions place, and you took your. 104 00:05:54.720 --> 00:05:56.199 Two thousand and nine right. 105 00:05:57.560 --> 00:05:57.800 Right? 106 00:05:58.000 --> 00:05:59.399 Okay, So what's going on with it? 107 00:06:01.639 --> 00:06:04.839 I took it in October fourteenth, and about a week 108 00:06:04.879 --> 00:06:08.279 he told me something really bad happened. I demanded to 109 00:06:08.319 --> 00:06:11.480 see it. It looks like he had it all and 110 00:06:11.519 --> 00:06:14.879 I just brought it in for it coils and spark cloths, and. 111 00:06:14.839 --> 00:06:16.439 Where'd you take it again? The name of the. 112 00:06:16.360 --> 00:06:21.720 Place, It's called Automotive Diagnostics. 113 00:06:20.920 --> 00:06:22.439 Solutions, all right? 114 00:06:22.639 --> 00:06:25.439 And do they do repairs too or just diagnostics? 115 00:06:27.279 --> 00:06:29.079 Shoot, I don't know. 116 00:06:29.120 --> 00:06:31.279 I mean, we're in other words, it just it's a 117 00:06:31.319 --> 00:06:35.000 weird name. But I like it on Automotive Diagnostic Solutions. 118 00:06:35.040 --> 00:06:37.360 It makes it sound like they'll find the problem, but 119 00:06:37.399 --> 00:06:38.920 they also do repairs, right. 120 00:06:40.920 --> 00:06:43.560 I'm guessing, okay, okay, Well. 121 00:06:43.279 --> 00:06:45.000 So you say it was just an a side note, 122 00:06:45.040 --> 00:06:47.920 because there are places that used to do just diagnosis, 123 00:06:48.240 --> 00:06:50.639 and I think I think they're sorely needed. But anyway, 124 00:06:50.800 --> 00:06:53.639 so this place, this two thousand and nine Fordoscopic, a 125 00:06:53.720 --> 00:06:56.600 Ford Escape said they said you got something happened. Do 126 00:06:56.639 --> 00:06:58.240 they mean something happened at the shop? 127 00:07:00.720 --> 00:07:03.399 I assumed yes, And he wouldn't really tell me what 128 00:07:03.480 --> 00:07:07.399 it was. And I immediately came down to the shop 129 00:07:07.480 --> 00:07:09.959 and looked at I kind of pushed my wings. I 130 00:07:10.000 --> 00:07:12.360 want to see my car, demand to see it. And 131 00:07:12.439 --> 00:07:15.399 they had it completely taken apart, all the way down 132 00:07:15.480 --> 00:07:16.560 to the timing chain. 133 00:07:17.040 --> 00:07:19.680 Well, what the hell does that mean, what did they do? 134 00:07:20.199 --> 00:07:22.759 You took your car in for a coil? They call 135 00:07:22.879 --> 00:07:26.000 and say, by the way, Michelle, something terrible happened. I mean, 136 00:07:26.680 --> 00:07:30.360 that's weird. And they had it they did? They have 137 00:07:30.480 --> 00:07:33.959 the engine out or just all apart. 138 00:07:34.040 --> 00:07:34.639 All apart? 139 00:07:34.879 --> 00:07:37.040 And I knew enough to know that it was down 140 00:07:37.079 --> 00:07:39.240 to the timing chain, and I did they admit. 141 00:07:39.040 --> 00:07:41.920 It was their problem when they said something terrible happened? 142 00:07:41.920 --> 00:07:44.920 Did they say we did something terrible? What did they mean? 143 00:07:46.560 --> 00:07:52.399 They wouldn't tell me? Oh my god, Yes, that's what 144 00:07:52.480 --> 00:07:52.839 I thought. 145 00:07:54.399 --> 00:07:57.759 Okay, So where does it stand? This was back in October. 146 00:07:57.800 --> 00:07:59.279 Where does it stand right now? 147 00:08:01.160 --> 00:08:01.959 Or stands? 148 00:08:02.079 --> 00:08:02.120 Is? 149 00:08:02.360 --> 00:08:04.959 They gave me a rental car and I've been using it, 150 00:08:05.040 --> 00:08:08.680 and then today I'm told that they haven't been paying 151 00:08:08.720 --> 00:08:12.279 on this rental since the first of November. So now 152 00:08:12.319 --> 00:08:14.800 I have to return it without and I don't have 153 00:08:14.839 --> 00:08:15.519 a car to drive. 154 00:08:15.959 --> 00:08:19.639 And you probably signed. You probably signed and are responsible 155 00:08:19.680 --> 00:08:20.000 for it. 156 00:08:21.560 --> 00:08:22.800 I didn't sign anything. 157 00:08:22.959 --> 00:08:24.680 I guess I have to bring it in. 158 00:08:24.920 --> 00:08:27.360 I have to release it back to them. It's not 159 00:08:27.399 --> 00:08:29.040 on my dime. I made sure of that. 160 00:08:29.439 --> 00:08:29.720 Good. 161 00:08:31.399 --> 00:08:33.120 Yeah, And I asked you. 162 00:08:33.200 --> 00:08:33.919 Something my car? 163 00:08:33.960 --> 00:08:37.240 Can I ask you something what's the last thing you 164 00:08:37.279 --> 00:08:40.440 heard from them? When you said, hey, the rental's not 165 00:08:40.840 --> 00:08:43.799 being paid for, my car's still not done. What do 166 00:08:43.879 --> 00:08:46.159 they say? 167 00:08:47.159 --> 00:08:49.519 I had my brother handle that part of it, because 168 00:08:49.559 --> 00:08:51.559 they don't. They're not straight with me. They're not going 169 00:08:51.600 --> 00:08:52.519 to be straight with him either. 170 00:08:53.600 --> 00:08:56.080 They what was the last word? What was the last word? 171 00:08:56.080 --> 00:08:59.200 From Automotive Diagnostic Solutions? By the way, where are they? 172 00:09:00.679 --> 00:09:04.840 They're in Lafia, They're on baseline. I've got a phone 173 00:09:04.879 --> 00:09:05.679 number if you need it. 174 00:09:05.639 --> 00:09:11.360 But they I will in a minute, on baseline in Lofaiette. Okay. 175 00:09:11.480 --> 00:09:16.320 Yeah, And this engine supposedly they put a new engine 176 00:09:16.480 --> 00:09:17.200 and it didn't work. 177 00:09:17.279 --> 00:09:19.639 Way wait wait wait way, way wait wait wait you 178 00:09:19.679 --> 00:09:24.399 buried the lead. They put a new engine in it. Yeah, 179 00:09:24.440 --> 00:09:28.600 so they blew your engine, I guess so, and put 180 00:09:28.639 --> 00:09:30.840 a new engine in. How many miles did you have? 181 00:09:31.080 --> 00:09:36.720 I had one hundred and sixty Oh that's good engine. 182 00:09:36.720 --> 00:09:39.080 That's good. So they bought a did they put they 183 00:09:39.120 --> 00:09:41.639 did they put a used engine in it? 184 00:09:43.240 --> 00:09:43.519 Yes? 185 00:09:44.679 --> 00:09:47.000 Was it used or rebuilt? It probably was used. They 186 00:09:47.039 --> 00:09:49.000 don't owe you a new one. But if they blew 187 00:09:49.039 --> 00:09:52.159 a one hundred and sixty thousand mile engine, I'm actually 188 00:09:52.200 --> 00:09:55.200 shocked they stepped up and they wouldness said, well, it 189 00:09:55.279 --> 00:09:58.559 was on its last leg anyway, but they put a 190 00:09:58.679 --> 00:10:01.759 used engine in it. What's that they said? 191 00:10:01.759 --> 00:10:02.360 They did it? 192 00:10:03.320 --> 00:10:05.360 Okay, well that's pretty good. What do you want us 193 00:10:05.440 --> 00:10:06.120 to do right now? 194 00:10:07.720 --> 00:10:12.679 What I want is they're not allowing me to take 195 00:10:12.799 --> 00:10:13.399 my car? 196 00:10:14.080 --> 00:10:14.799 Okay. 197 00:10:14.919 --> 00:10:17.879 Why And I'm thinking I'm going to probably have enough 198 00:10:18.000 --> 00:10:19.720 to get a court order to get my car. 199 00:10:19.960 --> 00:10:24.240 Why don't they let you take your car? I'm confused 200 00:10:24.519 --> 00:10:29.159 me too. Why what reason did they give a reason? 201 00:10:30.000 --> 00:10:35.519 They just said you can't have your car? Okay, hold on, 202 00:10:36.039 --> 00:10:40.559 she obviously doesn't know. Hold on, just hold on. Okay, 203 00:10:40.720 --> 00:10:41.559 who's up today? 204 00:10:42.080 --> 00:10:44.480 I can call over there Tom and find out why 205 00:10:44.519 --> 00:10:46.360 they don't give her her damn car back. 206 00:10:46.639 --> 00:10:48.120 Yeah, Bo, thank you? 207 00:10:48.240 --> 00:10:48.360 Bo? 208 00:10:48.559 --> 00:10:51.080 Chiming in? Bo. Who's who's in the studio with you? 209 00:10:51.159 --> 00:10:51.279 Bo? 210 00:10:51.840 --> 00:10:53.799 I'm here, I thank you. I'm here also, Tom. 211 00:10:53.799 --> 00:10:56.519 Okay, I got your text here. Thanks. So Doc and 212 00:10:56.600 --> 00:11:00.000 Bo holding down the fort by the way, Marcus connect 213 00:11:00.240 --> 00:11:02.240 but he's working on some behind the scenes stuff for 214 00:11:02.279 --> 00:11:05.440 the company for us, and uh, he'll be chiming in 215 00:11:05.440 --> 00:11:08.320 from time to time. And then we have Deputy d here, 216 00:11:08.360 --> 00:11:12.679 of course, along with olslaw dot com. That's Brad O'Brien. Uh, 217 00:11:12.720 --> 00:11:15.240 we're gonna take a quick break. I'm Tom Martino. Three 218 00:11:15.279 --> 00:11:24.200 O three seven one three A two five five Go 219 00:11:24.360 --> 00:11:28.080 with a sure thing Denver's best roofer Excel Roofing dot com. 220 00:11:28.120 --> 00:11:30.159 You don't pay a cent until you're content. 221 00:11:31.720 --> 00:11:36.000 Wait time for an insurance check up free, no obligation 222 00:11:36.120 --> 00:11:40.000 comparison call Compass Insurance paying too much your coverage at 223 00:11:40.039 --> 00:11:42.759 dozens of insurance companies find out now three oh three 224 00:11:42.919 --> 00:11:45.519 seven seven to one help. You'll think you're his only 225 00:11:45.600 --> 00:11:48.080 customer when you choose Frank durand the real estate Man 226 00:11:48.120 --> 00:11:51.519 dot com to list your home with Remax Alliance three 227 00:11:51.559 --> 00:11:59.240 oh three nine two zero sixteen twenty two. Hi Tom Martino, 228 00:11:59.440 --> 00:12:03.440 you're brble shooter three three seven one three talk seven 229 00:12:03.480 --> 00:12:08.399 one three eight two five five. So I want to 230 00:12:08.639 --> 00:12:13.919 uh give this to uh BO and have him call 231 00:12:13.960 --> 00:12:17.240 and then we'll come back and revisit at Michelle Myra 232 00:12:17.960 --> 00:12:20.600 has an issue with overheating. Why goodness, it sounds like 233 00:12:20.679 --> 00:12:26.000 carda today twenty seventeen fourd Escape two escapes one day, 234 00:12:26.360 --> 00:12:28.440 Hey Mara, what's happening? 235 00:12:30.399 --> 00:12:30.720 Hi? 236 00:12:30.720 --> 00:12:34.320 Thank you for taking my call. Yeah, I am calling 237 00:12:34.360 --> 00:12:39.600 because I am having some issues with a dealership. Oh 238 00:12:39.639 --> 00:12:43.360 and I just partased a card from them back on 239 00:12:43.759 --> 00:12:44.879 September twenty eighth. 240 00:12:45.200 --> 00:12:49.360 Now, is this when you bought the uh, the Escape? 241 00:12:51.000 --> 00:12:53.559 Yes, on the twenty eighth is when I bought the Escape. 242 00:12:53.600 --> 00:13:00.320 And it's a used obviously I used twenty seventeen Bard 243 00:13:00.480 --> 00:13:04.440 And tell me about how many miles were on it? 244 00:13:04.559 --> 00:13:06.919 About one hundred and fifty Okay. 245 00:13:07.159 --> 00:13:12.440 Now I often say this, it's not if you're going 246 00:13:12.519 --> 00:13:16.720 to have problems. You absolutely will have problems with a 247 00:13:16.960 --> 00:13:20.519 used car. With more than one hundred thousand miles, you 248 00:13:20.559 --> 00:13:25.559 will have problems, and with one hundred and fifty they're 249 00:13:25.600 --> 00:13:28.039 going to be more significant. And if you buy anything 250 00:13:28.080 --> 00:13:29.559 with one hundred and eighty or more, you're going to 251 00:13:29.639 --> 00:13:34.080 have major problems. So it's not unusual to have problems, 252 00:13:34.639 --> 00:13:37.440 I guess, unless it was represented in another way. So 253 00:13:37.480 --> 00:13:41.240 we're going to explore this. My first question, did you 254 00:13:41.360 --> 00:13:43.120 buy it as is? 255 00:13:46.519 --> 00:13:46.720 Well? 256 00:13:46.759 --> 00:13:48.600 It has a two year warranty? 257 00:13:48.840 --> 00:13:48.919 Oh? 258 00:13:49.080 --> 00:13:51.440 Okay, now did you buy that warranty? 259 00:13:53.159 --> 00:13:54.320 No, it came with the car. 260 00:13:54.639 --> 00:13:56.919 Okay, let's talk about it. Go ahead with your story. 261 00:13:58.559 --> 00:14:03.320 Yeah, so I bought it on twenty eighth. They're located 262 00:14:03.360 --> 00:14:06.559 in Sortin, and from Sortin pretty much driving it off 263 00:14:06.600 --> 00:14:09.519 the lot to Firestone. Not even an hour later, it 264 00:14:09.600 --> 00:14:14.879 started overheating and all of the ena freeze from the bottom, 265 00:14:15.320 --> 00:14:19.080 you know it, all it all came out, and I 266 00:14:19.120 --> 00:14:21.120 popped the hood. I went to check the ana freeze, 267 00:14:21.399 --> 00:14:23.919 noticed that there was like some weird kind of looked 268 00:14:23.919 --> 00:14:29.600 like gum like inside, like the radiator and a freeze 269 00:14:29.639 --> 00:14:32.919 cool it with the reservoir, and I let the salesman 270 00:14:33.000 --> 00:14:35.440 know right away. Hey, you know the car's overflown or 271 00:14:35.559 --> 00:14:36.679 overheating and. 272 00:14:38.159 --> 00:14:38.879 Is gummed up? 273 00:14:39.000 --> 00:14:42.679 Right? Yeah? Yes, so what happened? 274 00:14:42.679 --> 00:14:45.519 Photos I sent it, He sent it to him. He 275 00:14:45.559 --> 00:14:47.679 told me, Hey, the next day he said, you know what, 276 00:14:48.120 --> 00:14:50.039 bring the car back to the shop. I actually live 277 00:14:50.080 --> 00:14:53.679 in Langmont, so I was not able to take the car. 278 00:14:53.840 --> 00:14:55.679 Where did you buy it from? What's my name of 279 00:14:55.679 --> 00:14:56.919 the place you bought it from? 280 00:14:58.279 --> 00:14:58.759 Skyline? 281 00:14:58.799 --> 00:15:01.840 Missabishi Skyline? Where's that located? 282 00:15:03.159 --> 00:15:08.639 I'm sortant okay, go ahead, yeah, so he said bring 283 00:15:08.679 --> 00:15:10.240 it to the shop. I took it to the shop 284 00:15:10.320 --> 00:15:17.720 on October second, and they said that the and a 285 00:15:17.759 --> 00:15:20.720 freeze container thing or whatnot. The reservoir had a crack 286 00:15:20.799 --> 00:15:24.000 in it, so they replaced it. Then on October eighth, 287 00:15:24.039 --> 00:15:25.759 they said, hey, come get your car. I went to 288 00:15:25.759 --> 00:15:30.039 go get it. The next day it's overheating again, and 289 00:15:30.080 --> 00:15:32.480 this time it was worse like it was. You know, 290 00:15:32.799 --> 00:15:35.399 I wasn't getting enough power and the car just which 291 00:15:35.440 --> 00:15:36.200 I really slow. 292 00:15:36.759 --> 00:15:39.240 What kind of warranty was this? Can you tell me 293 00:15:39.279 --> 00:15:40.120 about your warranty? 294 00:15:41.759 --> 00:15:43.440 You know, I'm not quite sure on that. 295 00:15:44.840 --> 00:15:47.480 Well, you have it. You have the warranty, warranty? You 296 00:15:47.519 --> 00:15:50.440 were given a warranty right or where was it mentioned 297 00:15:50.480 --> 00:15:51.320 you had a warranty? 298 00:15:53.519 --> 00:15:56.960 It was mentioned when we were when they presented the car. 299 00:15:57.039 --> 00:15:58.480 They said that I had it to your warranty. That's 300 00:15:58.480 --> 00:15:59.080 why I said, oh. 301 00:15:59.279 --> 00:16:02.879 Great, and habit it is. Hold on, Myra, Do you 302 00:16:02.960 --> 00:16:05.279 have anything in writing that says you have a two 303 00:16:05.360 --> 00:16:05.960 year warranty? 304 00:16:07.559 --> 00:16:07.799 Yes? 305 00:16:07.879 --> 00:16:10.399 I do, because I'm actually working with the warranty company 306 00:16:10.399 --> 00:16:10.759 as well. 307 00:16:10.840 --> 00:16:14.039 Right now, okay, what's the name of the warranty company? 308 00:16:15.559 --> 00:16:17.960 You know I don't have that right now? 309 00:16:18.279 --> 00:16:22.320 That's okay, okay, Well are they giving you usually? Let 310 00:16:22.320 --> 00:16:24.399 me just explain something right up front and see if 311 00:16:24.639 --> 00:16:27.519 you're going to have this trouble usually when you buy 312 00:16:28.240 --> 00:16:30.799 or it's included any kind of a used car warranty, 313 00:16:30.840 --> 00:16:33.480 whether you buy it or not. You know, they usually 314 00:16:33.600 --> 00:16:40.399 exclude all all pre existing conditions, and they usually exclude 315 00:16:41.120 --> 00:16:47.279 anything caused by a lack of maintenance or abuse. So 316 00:16:47.399 --> 00:16:50.759 what this sounds like to me is a lack of maintenance. 317 00:16:51.840 --> 00:16:55.039 Not abuse, but a lack of maintenance and pre existing 318 00:16:55.559 --> 00:16:58.279 And I'm surprised they haven't told you to pound salt yet. 319 00:16:58.399 --> 00:17:00.000 What have they told you? 320 00:17:01.360 --> 00:17:04.160 So they tell me, you know, bring the car back. 321 00:17:04.400 --> 00:17:09.799 They honestly have had it since October seventeenth. They've had it. 322 00:17:09.960 --> 00:17:14.200 The dealership, Skyline has had it. Yes, okay, yep, Well 323 00:17:14.240 --> 00:17:17.119 at least they're okay, at least they're trying, right, So 324 00:17:17.279 --> 00:17:20.680 dealer has had the car since October twenty six. 325 00:17:22.359 --> 00:17:25.160 Well, they're not really trying. The warranty company reached out 326 00:17:25.200 --> 00:17:28.759 to me today and they told me that the Skyline 327 00:17:28.799 --> 00:17:31.799 Musubushi is not cooperating. They don't want to tear down 328 00:17:31.799 --> 00:17:34.720 the car for them to show, to show the failed 329 00:17:34.720 --> 00:17:38.839 components of the engine for it to get replaced, because 330 00:17:38.880 --> 00:17:41.160 they have a feeling that it's going to get denied. 331 00:17:41.240 --> 00:17:43.160 That they've been burned in the past before, so they 332 00:17:43.160 --> 00:17:44.000 don't want to do this. 333 00:17:44.279 --> 00:17:46.279 So wait a minute, wait a minute to day. So 334 00:17:46.319 --> 00:17:50.839 the warranty company will not cover it because they need 335 00:17:50.880 --> 00:17:54.160 to inspect it, and the dealer won't let them inspect it. 336 00:17:55.640 --> 00:17:57.400 Exactly why. 337 00:17:59.119 --> 00:18:01.119 I don't know. They said that. 338 00:18:02.079 --> 00:18:04.400 Well, you shouldn't have to get involved, but you shouldn't 339 00:18:04.400 --> 00:18:07.640 have to get involved in this fight between Skyline and 340 00:18:07.680 --> 00:18:15.279 the warranty company. Yeah, I mean, so hold on a second, 341 00:18:15.359 --> 00:18:17.599 just so you know, and you're not going to like this. 342 00:18:18.480 --> 00:18:20.559 If you buy a used car, it doesn't matter if 343 00:18:20.559 --> 00:18:25.319 it's an hour later or six months later. If it's 344 00:18:25.440 --> 00:18:33.039 under a warranty, the warranty company can ask for evidence. Okay, 345 00:18:33.519 --> 00:18:37.680 so the warranty company's in the right. Now here's something 346 00:18:37.720 --> 00:18:39.880 you're not going to like to hear. Who do you 347 00:18:39.960 --> 00:18:43.200 think has to pay to tear it apart and look 348 00:18:43.240 --> 00:18:47.240 at it? Who do you think me? That's right? Did 349 00:18:47.279 --> 00:18:51.759 you tell Skyline? Hey, listen, the warranty company needs to 350 00:18:51.839 --> 00:18:55.279 inspect it. I'm willing to pay for it. 351 00:18:59.319 --> 00:19:01.480 No, because I don't have the funds to pay for it. 352 00:19:01.559 --> 00:19:06.720 Okay, Now that's the problem. Does the deal? Is that? 353 00:19:06.920 --> 00:19:11.440 Why the dealer isn't cooperating because they say, listen, did 354 00:19:11.440 --> 00:19:14.119 they ever say to you, Mayra, are you going to 355 00:19:14.200 --> 00:19:17.000 pay for the inspection? Did they? And then if it 356 00:19:17.039 --> 00:19:19.359 turns out to be a warranty, of course you're not 357 00:19:19.400 --> 00:19:21.319 going to pay it, But if it turns out to 358 00:19:21.319 --> 00:19:23.400 be something else, you are going to pay it. Did 359 00:19:23.400 --> 00:19:25.920 they ever present that to you in any way? 360 00:19:28.359 --> 00:19:32.000 Yeah, they said, okay, Then normally they would have to 361 00:19:32.000 --> 00:19:33.359 pay like a teardown price. 362 00:19:33.680 --> 00:19:35.960 Okay. And how much did they get, like how much 363 00:19:36.000 --> 00:19:37.039 do they quote you, Mayra? 364 00:19:39.480 --> 00:19:44.079 One hundred and fifty dollars an hour and max is 365 00:19:44.160 --> 00:19:44.960 like five hours? 366 00:19:47.559 --> 00:19:50.599 Okay, So you understand that's a little different than what 367 00:19:50.640 --> 00:19:54.440 the warranty company told you. It's not that the dealer 368 00:19:54.519 --> 00:19:57.920 isn't cooperating, it's that you're not paying for the inspection. 369 00:19:58.720 --> 00:20:02.359 And this is the problem. You bought and I understand 370 00:20:02.359 --> 00:20:04.559 your reasoning. Let me let me sum it up before 371 00:20:04.599 --> 00:20:07.160 you even have to say it. Wait a minute, Tom, 372 00:20:07.640 --> 00:20:10.279 I bought a car and within an hour starts overheating, 373 00:20:10.680 --> 00:20:13.319 and now I have to pay to have an inspection done. 374 00:20:13.759 --> 00:20:17.599 You know, I know, and that's unfortunate. What you should 375 00:20:17.640 --> 00:20:20.400 have done is had the car checked out completely before 376 00:20:21.680 --> 00:20:24.960 and then it would have helped. It wouldn't have maybe 377 00:20:25.000 --> 00:20:29.000 guaranteed it, but it would have helped. So right, your 378 00:20:29.039 --> 00:20:31.799 car has been there for that long? Have you paid 379 00:20:31.799 --> 00:20:33.039 for your car? 380 00:20:34.039 --> 00:20:34.240 Yep? 381 00:20:34.240 --> 00:20:36.039 I'm about to make my second car payment. 382 00:20:36.440 --> 00:20:39.720 Okay, how much did the car? How much did you 383 00:20:39.720 --> 00:20:43.759 put down on the car? And you made one so 384 00:20:43.799 --> 00:20:46.680 you put two thousand down and made one payment. 385 00:20:48.200 --> 00:20:50.279 And I'm about to make the second one next week. 386 00:20:51.559 --> 00:20:55.720 But it's not even running. It's not you know, this 387 00:20:55.720 --> 00:20:59.599 could be a major problem, could be a minor problem. 388 00:20:59.759 --> 00:21:04.480 How bad is the engine? Did they say the engine's blown? 389 00:21:05.319 --> 00:21:09.000 The dealer, the shop told me that they consider it 390 00:21:09.039 --> 00:21:11.119 as you know, it needs to be replaced. That's all 391 00:21:11.119 --> 00:21:14.440 they told me. And the warranties like we were trying 392 00:21:14.480 --> 00:21:18.039 to confirm that, but they won't. They won't tear down 393 00:21:18.279 --> 00:21:18.880 the well. 394 00:21:19.000 --> 00:21:22.440 You need to tear it down. Myra, that's the problem, 395 00:21:23.000 --> 00:21:25.799 you know. And really you agree to it, whether you 396 00:21:25.960 --> 00:21:28.359 like it or not. I'll bet you I can find 397 00:21:28.400 --> 00:21:31.160 where you agreed to it in the warranty. See, this 398 00:21:31.319 --> 00:21:34.079 whole thing was not done correctly. Did you have any 399 00:21:34.119 --> 00:21:36.119 help buying this car? Is this the first time you 400 00:21:36.119 --> 00:21:37.640 bought a car? 401 00:21:38.359 --> 00:21:38.599 Yeah? 402 00:21:38.640 --> 00:21:39.599 Pretty much on my own. 403 00:21:39.680 --> 00:21:43.240 Yes, okay, how much did you pay for it? I mean, 404 00:21:43.240 --> 00:21:44.200 what's the purchase plate? 405 00:21:46.559 --> 00:21:48.759 I think it was like ten or eleven. 406 00:21:48.480 --> 00:21:54.920 Grand Okay, all right, listen, I'm going to have Deputy 407 00:21:55.000 --> 00:21:56.920 D call over there and try to cut you a 408 00:21:57.039 --> 00:22:03.160 braake my god. I mean, if it's under warranty, you know, 409 00:22:03.799 --> 00:22:07.400 I'm hoping you have a warranty. I mean, technically you 410 00:22:07.400 --> 00:22:09.920 don't have anything in your hands. What if what if 411 00:22:09.960 --> 00:22:13.839 misubitius says, oh, by the way, we don't really have 412 00:22:13.920 --> 00:22:18.920 a warranty, and and the warranty company says there's no 413 00:22:19.000 --> 00:22:22.160 warranty here. I mean, how would you even prove it? 414 00:22:22.200 --> 00:22:24.640 Is it written anywhere anywhere? Does it? 415 00:22:25.160 --> 00:22:25.359 Yeah? 416 00:22:25.640 --> 00:22:27.039 They gave me like a flash drive. 417 00:22:27.559 --> 00:22:32.720 Excellent, excellent, excellent, excellent, excellent. Okay, Mayra, I'm gonna have 418 00:22:33.240 --> 00:22:36.319 his we call him Deputy D. His name's Dimitri. He's 419 00:22:36.359 --> 00:22:40.400 gonna be calling you today, okay, And that's our that's 420 00:22:40.440 --> 00:22:42.519 our nickname for helpers here. We're going to try to 421 00:22:42.599 --> 00:22:46.359 call this dealer and just try to get you a break, Like, 422 00:22:46.440 --> 00:22:49.839 come on, guys, what does the warranty company need to know? 423 00:22:49.920 --> 00:22:55.759 It can't be that bad? Help her out okay, hold 424 00:22:55.759 --> 00:22:59.799 on real three seven to one, three eight two five five. 425 00:23:00.079 --> 00:23:03.599 This sucks ladies and gentlemen, by the way, eight eight 426 00:23:03.599 --> 00:23:06.799 eight Heating dot Com call them now before it gets 427 00:23:06.839 --> 00:23:09.559 extremely cold. My god, I can't say that too many 428 00:23:09.599 --> 00:23:12.920 times because you'll get a deep clean for forty five bucks. 429 00:23:13.119 --> 00:23:15.359 And if you ever need a replacement, they do high 430 00:23:15.359 --> 00:23:19.039 efficiency replacements at the best prices anywhere for the same equipment. 431 00:23:19.160 --> 00:23:28.319 Eight eight eight Heating dot Com. Go with a sure 432 00:23:28.400 --> 00:23:31.839 thing Denver's best roofer Excel Roofing dot Com. You don't 433 00:23:31.839 --> 00:23:37.880 pay a cent until you're content. Time for an insurance 434 00:23:37.960 --> 00:23:41.680 check up free, no obligation. In comparison, call Compass Insurance 435 00:23:41.839 --> 00:23:44.839 paying too much your coverage at dozens of insurance companies 436 00:23:44.920 --> 00:23:46.960 find out now three all three seven to seven to 437 00:23:47.000 --> 00:23:49.759 one help. You'll think you're his only customer when you 438 00:23:49.839 --> 00:23:52.279 choose Frank durand the real estate Man dot com to 439 00:23:52.359 --> 00:23:55.599 list your home with Remax Alliance three all three nine 440 00:23:55.599 --> 00:24:01.759 two zero sixteen twenty two. Tom Martine here at three zero, 441 00:24:01.799 --> 00:24:07.279 three seven and three talks seventy three eight two five five. 442 00:24:08.200 --> 00:24:14.160 All right, let's talk about your problems, questions and complaints 443 00:24:14.200 --> 00:24:16.960 and anything you want and I did get a text 444 00:24:17.000 --> 00:24:23.880 about b oh I. That's not a new kind of 445 00:24:24.519 --> 00:24:29.599 body odor bo I. It is something that is required 446 00:24:29.680 --> 00:24:33.119 now by the government, and there's hefty fines if you 447 00:24:33.119 --> 00:24:37.440 don't do it. And I haven't had many questions on it, 448 00:24:37.480 --> 00:24:40.079 but you know what, it's very important we go over 449 00:24:40.119 --> 00:24:43.200 it now. I conducted, I didn't buy. I didn't get 450 00:24:43.240 --> 00:24:46.279 a professional to do it. By the way, this was 451 00:24:46.920 --> 00:24:52.000 a this was a requirement from the government. Recently Biden's 452 00:24:52.000 --> 00:24:54.359 administration came out with it. I don't want to politicize it, 453 00:24:54.400 --> 00:24:59.680 but it was very political and it's beneficial owner information 454 00:25:00.279 --> 00:25:03.000 on all companies. And we'll talk about that. But right 455 00:25:03.000 --> 00:25:07.240 now I want to continue with this issue with Myra. 456 00:25:08.640 --> 00:25:11.599 I think Mayra, we need to d is calling the dealer, 457 00:25:12.160 --> 00:25:15.400 but we need to ask you if you can to 458 00:25:15.480 --> 00:25:19.400 get any information you have on that warranty for me 459 00:25:20.200 --> 00:25:23.279 and and send it to us. Okay, you got that, Mara, 460 00:25:24.599 --> 00:25:24.960 All right? 461 00:25:25.240 --> 00:25:26.400 Where do I send it to? 462 00:25:27.079 --> 00:25:33.440 We're gonna get Okay, help at troubleshooter dot com. That's 463 00:25:33.519 --> 00:25:38.319 our email. Okay, all right, Now we have Brad O'Brien 464 00:25:38.480 --> 00:25:41.240 is with us olslaw dot com. Let me bring him 465 00:25:41.279 --> 00:25:45.079 up okay, and we're talking about landlord, tenant stuff and 466 00:25:45.279 --> 00:25:47.839 all real estate stuff, Tracy as a question or concern. 467 00:25:47.920 --> 00:25:56.039 Go ahead, Tracy, Hi, Tracy, Hi, Tracy, what's going on? 468 00:25:57.279 --> 00:26:01.839 Hi, I'm cayeing regarding a tenant land lord THEO I'm 469 00:26:01.880 --> 00:26:09.119 the tenant, and it is regarding my rent. Okay, go ahead, Okay. 470 00:26:09.400 --> 00:26:12.599 So I have been renting on and off from the 471 00:26:12.640 --> 00:26:19.400 same people for about twelve years, and the last. 472 00:26:20.359 --> 00:26:20.880 I got a. 473 00:26:22.319 --> 00:26:25.599 I okay, we did a three year lease. This last 474 00:26:25.599 --> 00:26:27.880 one and halfway. 475 00:26:27.440 --> 00:26:28.960 Through the leaf, I get. 476 00:26:30.960 --> 00:26:34.880 Notice an email from the person who's supposedly their property 477 00:26:34.880 --> 00:26:39.920 manager saying that I need to increase my rent and 478 00:26:40.000 --> 00:26:42.359 I'm like, I have a three year lease and you 479 00:26:42.440 --> 00:26:44.440 haven't fixed the issues. 480 00:26:44.039 --> 00:26:47.480 That you have a three year lease. It's actually a 481 00:26:47.480 --> 00:26:48.119 three year lease. 482 00:26:49.359 --> 00:26:52.119 I had a three year lease. I don't have that 483 00:26:52.319 --> 00:26:53.400 term has passed. 484 00:26:53.440 --> 00:26:56.440 Now, Okay, then when did that? Okay, I need to 485 00:26:56.480 --> 00:26:58.839 know a few things, just very basic. When did that 486 00:26:58.880 --> 00:26:59.640 three year lease? 487 00:26:59.680 --> 00:27:05.400 Expect it expired on the thirty first of January of 488 00:27:05.839 --> 00:27:11.839 twenty twenty twenty one, twenty two, twenty twenty three, twenty six, 489 00:27:12.000 --> 00:27:14.759 Part four, January thirty first, twenty twenty fourth. 490 00:27:15.400 --> 00:27:19.000 Okay. So you had a three year lease that reverted 491 00:27:19.200 --> 00:27:23.759 it's called to a month to month. Month that reverted 492 00:27:23.799 --> 00:27:27.440 to a month to month and it happened in January, 493 00:27:27.680 --> 00:27:30.920 at the end of January. Okay, So then when were 494 00:27:30.960 --> 00:27:32.880 you notified they were going to raise your rent? 495 00:27:34.160 --> 00:27:38.000 Well, they raised my rent in the middle of the 496 00:27:38.119 --> 00:27:39.480 leaf of the three year lease. 497 00:27:40.000 --> 00:27:42.920 Well, hold on, how did they raise your rent in 498 00:27:42.960 --> 00:27:45.440 the middle of a three year lease if the three 499 00:27:45.559 --> 00:27:47.160 year lease did not allow it? 500 00:27:48.319 --> 00:27:50.839 Because he told me if I didn't pay the extra 501 00:27:50.880 --> 00:27:54.079 amount that they wouldn't fix the HVAC system. And so 502 00:27:54.680 --> 00:27:56.839 you know, I paid the extra amount every month and 503 00:27:56.880 --> 00:27:59.160 I still never got the HVAC system fixed. 504 00:27:59.359 --> 00:28:01.920 Okay. I want to know something though, this is really important. 505 00:28:02.799 --> 00:28:05.960 Are you positive that you had a three year lease 506 00:28:06.039 --> 00:28:09.400 with a level rent and it was there was no 507 00:28:09.680 --> 00:28:12.960 escalator clause for raising the rent in that three year lease? 508 00:28:13.920 --> 00:28:16.640 There was not, okay, and then they came. 509 00:28:16.720 --> 00:28:19.640 But I had this full story because this is over 510 00:28:19.680 --> 00:28:22.720 the last ten months, they've raised my rent three times. 511 00:28:22.839 --> 00:28:25.079 I understand, but we're gonna we're gonna outline that. But 512 00:28:25.240 --> 00:28:27.680 that's why I need to know this. So you had 513 00:28:27.680 --> 00:28:29.039 a three year lease, that started. 514 00:28:29.079 --> 00:28:31.519 When it started? 515 00:28:32.880 --> 00:28:33.240 Okay? 516 00:28:33.319 --> 00:28:37.279 I had originally lived in the property for seven years, 517 00:28:37.359 --> 00:28:39.359 and then I moved to Arizona for two years, and 518 00:28:39.359 --> 00:28:40.240 then I moved back. 519 00:28:40.559 --> 00:28:42.960 That's all I care about. That's all we care about. 520 00:28:43.200 --> 00:28:46.160 When did that three year lease start approximately in twenty 521 00:28:46.240 --> 00:28:47.079 twenty was it? 522 00:28:48.480 --> 00:28:52.400 No, it started February one of twenty twenty one. 523 00:28:53.240 --> 00:28:55.759 Okay, February January. 524 00:28:55.359 --> 00:28:59.079 February twenty twenty one, you had a three year a 525 00:28:59.079 --> 00:29:02.920 three year lease start? Did February of twenty twenty one? Okay? Now, 526 00:29:02.839 --> 00:29:05.799 and then listen, this is important. When did they raise 527 00:29:05.960 --> 00:29:09.599 and it specified that there would be level rent for 528 00:29:09.680 --> 00:29:10.640 three years? 529 00:29:11.599 --> 00:29:11.920 Yes? 530 00:29:12.359 --> 00:29:15.039 Okay, so you would have kept the same You would 531 00:29:15.039 --> 00:29:18.720 have kept the same rent for twenty two, twenty three, 532 00:29:18.799 --> 00:29:22.359 and twenty four. You would still be under that three 533 00:29:22.440 --> 00:29:22.960 year lease. 534 00:29:23.480 --> 00:29:27.119 Huh, I would have this is it went from February 535 00:29:27.440 --> 00:29:28.480 twenty twenty. 536 00:29:28.200 --> 00:29:29.119 One to. 537 00:29:31.000 --> 00:29:35.680 They raised my rents for the year of twenty twenty three, they. 538 00:29:35.559 --> 00:29:40.039 Raised care Tracy, please help me out here. You signed 539 00:29:40.079 --> 00:29:43.680 a lease February of twenty twenty one for how long? 540 00:29:45.160 --> 00:29:46.440 For three years? 541 00:29:46.559 --> 00:29:50.400 Okay? So it expired, please, Tracy. 542 00:29:50.519 --> 00:29:54.920 It expired on January thirty, first, of twenty twenty four. 543 00:29:55.559 --> 00:29:58.880 That's right. You know you're right, You're absolutely correct, that's right. 544 00:29:59.039 --> 00:30:02.599 I wanted to clarify that. But they raised your rent 545 00:30:02.799 --> 00:30:04.680 a year later or. 546 00:30:04.640 --> 00:30:05.920 Two years later earlier? 547 00:30:06.599 --> 00:30:09.039 Yeah, a year earlier, right, two years later, that's right, 548 00:30:09.279 --> 00:30:13.240 that's right. And when they did that, they forced you. 549 00:30:13.279 --> 00:30:15.400 They said, I don't care, you're going to pay it 550 00:30:15.440 --> 00:30:21.480 because if you don't, we're not fixing the HVAC. Yes, yes, wow, okay. 551 00:30:21.640 --> 00:30:25.160 Then they raised it more. When did they raise it again? 552 00:30:26.559 --> 00:30:27.559 Then I got. 553 00:30:29.119 --> 00:30:34.519 I got in an email on January or it was, 554 00:30:34.640 --> 00:30:35.880 I believe October. 555 00:30:36.000 --> 00:30:37.160 It was just response. 556 00:30:38.160 --> 00:30:40.559 So they raised my rent. So this year I paid 557 00:30:40.880 --> 00:30:43.440 more than I was the first two years. So I 558 00:30:43.519 --> 00:30:46.680 paid more this year. And then I get a thing on. 559 00:30:49.960 --> 00:30:50.759 October. 560 00:30:51.759 --> 00:30:53.599 Okay, hold on, we got to take a break. Just 561 00:30:53.640 --> 00:30:56.039 hang on, I'll come back to you. We can make 562 00:30:56.079 --> 00:30:59.720 this very simple. You had a three year lease without 563 00:30:59.799 --> 00:31:02.519 all theorization. They raised your rent, but you agreed to it. 564 00:31:02.599 --> 00:31:04.599 I don't know what that does. We'll ask our attorney. 565 00:31:05.119 --> 00:31:07.400 Two years into the three year least, they raised the red. 566 00:31:08.160 --> 00:31:10.759 Then it reverted to month to month in January, and 567 00:31:10.839 --> 00:31:15.440 they raised it again after that, Right, hel. 568 00:31:16.839 --> 00:31:17.880 Three times. 569 00:31:18.680 --> 00:31:20.559 Okay, they want their want a meath of pay and 570 00:31:20.720 --> 00:31:23.200 even more, got it more, got it? 571 00:31:23.240 --> 00:31:31.680 Hold on, we got more coming right up. Go with 572 00:31:31.759 --> 00:31:35.319 a sure thing Denver's best roofer Excel Roofing dot com. 573 00:31:35.359 --> 00:31:41.119 You don't pay a cent until you're content. Time for 574 00:31:41.160 --> 00:31:44.319 an insurance check up free, no obligation. In comparison, call 575 00:31:44.440 --> 00:31:47.759 Compass Insurance paying too much your coverage at dozens of 576 00:31:47.759 --> 00:31:50.440 insurance companies find out now three all three seven to 577 00:31:50.480 --> 00:31:53.319 seven to one. Help. You'll think you're his only customer 578 00:31:53.319 --> 00:31:55.599 when you choose Frank durand the real estate Man dot 579 00:31:55.640 --> 00:31:59.119 com to list your home with Remax Alliance three three 580 00:31:59.240 --> 00:32:10.000 nine two zero sixteen twenty two. Hi Tom Martino, I 581 00:32:10.079 --> 00:32:14.640 am your troubleshooter three three seven one three talk three 582 00:32:14.720 --> 00:32:18.799 l three seven one three eight two five five. So 583 00:32:20.400 --> 00:32:27.559 we uh have this situation, Brad where her rent was 584 00:32:27.680 --> 00:32:31.839 raised a lot. But I don't understand. Let's take one 585 00:32:31.880 --> 00:32:34.519 at a time. If she was in the middle, well 586 00:32:34.519 --> 00:32:36.200 not in the middle, but she was two years into 587 00:32:36.200 --> 00:32:39.799 a three year lease and they raised her rent and 588 00:32:39.880 --> 00:32:44.559 she paid it? What is that? Tell me how that works? 589 00:32:44.599 --> 00:32:45.920 Did she waive her rights? 590 00:32:46.519 --> 00:32:48.759 It is possible that she waved her right to keep 591 00:32:48.799 --> 00:32:51.880 that fixed rent for the full three years. But you know, 592 00:32:52.240 --> 00:32:54.799 it's a fact based issue. And if if there was 593 00:32:54.960 --> 00:32:58.000 something in there where the landlord made a promise that 594 00:32:58.039 --> 00:33:01.559 it was fraudulent or lacked cons iteration like value for 595 00:33:01.640 --> 00:33:05.400 that promise, then maybe she was tricked into paying a 596 00:33:05.440 --> 00:33:07.119 higher rent. Maybe she could go back and sue for 597 00:33:07.160 --> 00:33:09.000 that recovery of that additional rent she paid. 598 00:33:09.079 --> 00:33:12.480 So let's take that one item, Tracy, do you have 599 00:33:12.519 --> 00:33:15.359 anything in writing that says if you pay the extra money, 600 00:33:15.359 --> 00:33:16.519 they'll fix the HVAC. 601 00:33:18.039 --> 00:33:21.880 No, I don't, because it was a phone call. I 602 00:33:21.920 --> 00:33:23.480 had rented from these people. 603 00:33:23.200 --> 00:33:24.400 For a very very get it. 604 00:33:24.559 --> 00:33:26.279 I get it, and then you moved and came back. 605 00:33:26.359 --> 00:33:28.519 How much extra rent at that time? 606 00:33:29.799 --> 00:33:31.599 It was a very small amount. 607 00:33:31.240 --> 00:33:32.880 Of how much? 608 00:33:32.920 --> 00:33:36.839 How much when the property? How much the property? How much? 609 00:33:37.440 --> 00:33:41.079 I ended up paying an extra twenty five dollars a month? 610 00:33:41.200 --> 00:33:43.480 All right, hold on it, we'll come right back to you. Okay, 611 00:33:43.920 --> 00:33:46.480 an extra twenty five then and more after that, so 612 00:33:46.519 --> 00:33:50.839 we'll talk to you. Go with a sure thing Denver's 613 00:33:50.880 --> 00:33:53.799 Best roofer Excel roofing dot com. You don't pay a 614 00:33:53.880 --> 00:34:00.400 cent until your content time for an insurance check up free, 615 00:34:00.440 --> 00:34:04.160 no obligation. In comparison, call Compass Insurance. Pay too much 616 00:34:04.279 --> 00:34:07.240 your coverage at dozens of insurance companies find out now 617 00:34:07.319 --> 00:34:09.800 three all three seven seven to one help. You'll think 618 00:34:09.840 --> 00:34:12.440 you're his only customer when you choose Frank Duran, the 619 00:34:12.440 --> 00:34:15.079 real estate Man dot com to list your home with 620 00:34:15.199 --> 00:34:18.719 Remax Alliance three oh three nine two zero sixteen twenty two. 621 00:34:19.519 --> 00:34:24.519 Yeah, rip. 622 00:34:26.480 --> 00:34:29.559 New need that so you don't have. 623 00:34:31.719 --> 00:34:36.719 Come running as fast as we can. Shooter's gonna help. 624 00:34:37.000 --> 00:34:38.239 Come man. 625 00:34:38.920 --> 00:34:44.800 This is the Troubleshooter Show Now Tom Martino, Tom Martino. 626 00:34:44.440 --> 00:34:46.679 Here, Welcome to the show. Three oh three seven one 627 00:34:46.719 --> 00:34:49.039 three talk three oh three seven one three eight two 628 00:34:49.159 --> 00:34:52.679 five five. Here to help you solve problems, to answer questions, 629 00:34:52.960 --> 00:34:54.920 and to take complaints. This hour brought to you by 630 00:34:54.920 --> 00:34:58.360 Frank durand the real Estateman dot com. If you're looking 631 00:34:58.400 --> 00:35:00.400 for a market valuation of your home, you want to 632 00:35:00.400 --> 00:35:02.159 know what it will sell for. He can tell you 633 00:35:02.800 --> 00:35:06.800 based on today's market conditions, and it's free of charge, 634 00:35:06.960 --> 00:35:10.280 complete analysis. You can't do better than Frank durand the 635 00:35:10.360 --> 00:35:12.400 real Estate Man dot Com. He'll tell you what you'll 636 00:35:12.440 --> 00:35:15.079 net and what you can buy three oh three nine 637 00:35:15.159 --> 00:35:19.280 two zero sixteen twenty two For Frank. I'm Tom Martinez. 638 00:35:19.400 --> 00:35:23.800 Been doing this show for forty five years plus, been 639 00:35:23.880 --> 00:35:28.320 on TV and the internet referrals dot com. What I 640 00:35:28.400 --> 00:35:31.000 try to do is help you in every possible way. 641 00:35:31.079 --> 00:35:34.079 So give me a call. And I think from what 642 00:35:34.119 --> 00:35:37.840 Tracy's telling me, I think she's been screwed. I'm going 643 00:35:37.880 --> 00:35:41.119 to bring up Brad O'Brien, our real estate attorney for today. 644 00:35:41.159 --> 00:35:45.559 Brad is with us, and Brad first and foremost, if 645 00:35:45.599 --> 00:35:49.039 she had a lease and a two years into a 646 00:35:49.079 --> 00:35:52.559 three year lease, they say we're raising your rent twenty 647 00:35:52.599 --> 00:35:56.320 five dollars to help offset the HVAC repairs. Now she 648 00:35:56.400 --> 00:35:59.000 can't put her finger on that. Would they deny that? 649 00:35:59.159 --> 00:36:03.159 If you brought it up to them, you mean a court, 650 00:36:04.800 --> 00:36:07.440 if you said to the landlord. I was just wondering, 651 00:36:07.800 --> 00:36:11.039 if you said to the landlord, hey, you promised this, 652 00:36:11.679 --> 00:36:13.760 if I did this, would they deny that? 653 00:36:15.880 --> 00:36:18.079 Probably because he denies everything. 654 00:36:18.440 --> 00:36:21.800 Okay, then then then that's bad. So Brad, I think 655 00:36:21.840 --> 00:36:24.639 she lost out on that. If she voluntarily paid twenty 656 00:36:25.639 --> 00:36:26.280 what do you think? 657 00:36:26.599 --> 00:36:29.440 I think that the lander may hold the extra payments 658 00:36:29.440 --> 00:36:33.199 in trust as an additional security deposit, because a security 659 00:36:33.199 --> 00:36:35.719 deposit is defined as anything other than rent that's paid 660 00:36:35.800 --> 00:36:36.039 the lead. 661 00:36:36.119 --> 00:36:38.519 Yeah, but it was rent. I don't think he held it. 662 00:36:38.440 --> 00:36:40.000 Well, I didn't. 663 00:36:41.039 --> 00:36:43.880 Oh oh oh, he's saying on paper it's not rent 664 00:36:44.239 --> 00:36:47.119 because you can show that the rent was a certain 665 00:36:47.119 --> 00:36:48.320 amount and you paid more. 666 00:36:49.159 --> 00:36:50.960 Yeah, okay, because they. 667 00:36:50.840 --> 00:36:52.960 Never changed the lease at that time, did they? 668 00:36:54.199 --> 00:36:56.320 No? They haven't. No. 669 00:36:56.440 --> 00:37:00.000 And my biggest problem now is the last ten months 670 00:37:00.280 --> 00:37:03.079 where I've gotten my rent increase now three times. 671 00:37:03.199 --> 00:37:05.239 No, I know that part we're going to get to. 672 00:37:05.440 --> 00:37:07.320 I wanted to take it one step at a time. 673 00:37:07.679 --> 00:37:11.920 So come January, the end of January, your lease expires 674 00:37:12.360 --> 00:37:15.119 and it goes month to month. Now here's what I 675 00:37:15.159 --> 00:37:18.079 need to know, without a story, just I need to know, 676 00:37:18.239 --> 00:37:22.760 like the times after January, you had already had one 677 00:37:22.840 --> 00:37:26.599 rent increase during the three years after January, when you 678 00:37:26.639 --> 00:37:31.920 went month to month, when was your next raise? 679 00:37:32.199 --> 00:37:34.679 My rent went up one hundred and fifty dollars on 680 00:37:35.559 --> 00:37:39.679 the first of February twenty twenty four, So. 681 00:37:40.000 --> 00:37:43.559 Right after the lease expired they did it again. 682 00:37:44.920 --> 00:37:45.400 Correct? 683 00:37:45.719 --> 00:37:46.440 Then when. 684 00:37:47.880 --> 00:37:52.199 Then I got an email on nine thirty twenty four 685 00:37:52.679 --> 00:37:54.239 telling me that my rent was going to go up 686 00:37:54.280 --> 00:37:56.920 another twenty seven dollars. 687 00:37:57.719 --> 00:38:03.360 So in January, and okay, in February, and again, how 688 00:38:03.440 --> 00:38:05.280 much did it go up in September? 689 00:38:06.880 --> 00:38:07.519 Twenty seven? 690 00:38:08.440 --> 00:38:12.239 Twenty seven dollars? Weird amount in September, Well. 691 00:38:12.119 --> 00:38:15.079 They said, he's in the email. It said it's a 692 00:38:15.119 --> 00:38:16.519 twenty it's a two percent. 693 00:38:17.119 --> 00:38:20.239 Okay, it doesn't matter, hold on, so so hold on. 694 00:38:20.519 --> 00:38:23.159 So they raised it one hundred and fifteen February twenty seven. 695 00:38:23.199 --> 00:38:25.920 In September, and what was the third one? 696 00:38:26.239 --> 00:38:29.400 And then I just got an email on Friday telling 697 00:38:29.440 --> 00:38:31.840 me it's pulling up another twenty five that I need 698 00:38:31.880 --> 00:38:34.800 to pay. The total amount that I need to pay 699 00:38:34.840 --> 00:38:37.119 for the first of December is the total amounts that 700 00:38:37.159 --> 00:38:37.559 they want. 701 00:38:37.960 --> 00:38:38.639 And I'm just. 702 00:38:38.960 --> 00:38:40.840 Hold on, how much are they raising it again? 703 00:38:42.039 --> 00:38:42.239 Oh? 704 00:38:42.400 --> 00:38:43.360 Another twenty five? 705 00:38:44.199 --> 00:38:48.039 Okay, Brad? It sounds to me like they're not following 706 00:38:48.079 --> 00:38:53.079 the law right Colorado Statute and resident listen carefully, Tracy. 707 00:38:52.800 --> 00:38:55.679 In residential rentals and landlord can raise the rent only 708 00:38:55.679 --> 00:38:56.480 once in any roll in. 709 00:38:56.480 --> 00:38:57.360 Twelve month period. 710 00:38:57.440 --> 00:39:00.239 So they increased it on February first of this year. 711 00:39:00.599 --> 00:39:02.920 That means they cannot increase it again until February first 712 00:39:03.000 --> 00:39:03.599 of twenty five. 713 00:39:05.800 --> 00:39:09.920 Well, first of all, they by by raising it twenty 714 00:39:09.960 --> 00:39:14.679 seven in February, they already raised it more than they 715 00:39:14.719 --> 00:39:16.039 could because they did it. 716 00:39:16.239 --> 00:39:19.159 They raised it one hundred and twenty five, one hundred 717 00:39:19.199 --> 00:39:20.719 and fifty dollars in February. 718 00:39:21.159 --> 00:39:22.599 That was wrong, That one was wrong. 719 00:39:22.920 --> 00:39:25.320 Well, what was the date of the previous one before that? 720 00:39:26.920 --> 00:39:32.559 Great Tracy? That what, Tracy, what we're trying. Here's what 721 00:39:32.599 --> 00:39:37.000 we're trying to establish. They can't raise rent within twelve 722 00:39:37.039 --> 00:39:37.960 months of each other. 723 00:39:38.239 --> 00:39:40.719 So that's that's what I thought. 724 00:39:40.840 --> 00:39:43.760 So the one that they raised to them, the one 725 00:39:43.800 --> 00:39:49.239 that they raised for twenty five dollars, was it more 726 00:39:49.280 --> 00:39:52.679 than a year before February. 727 00:39:52.199 --> 00:39:57.119 They raised they raised them. It was they wanted the 728 00:39:57.119 --> 00:40:01.480 first twenty five dollars raise. He called me on the 729 00:40:01.559 --> 00:40:05.719 sixth January sixth, twenty twenty three, telling you that February 730 00:40:06.079 --> 00:40:10.559 my rent would be raised. He's originally said seventy five dollars. 731 00:40:10.880 --> 00:40:13.159 And I'm like, what, I have a lead, Tracy. 732 00:40:13.239 --> 00:40:16.679 None of this matters, Tracy, Tracy, you're giving. All we 733 00:40:16.840 --> 00:40:21.400 care about is what we ask. So the previous rent 734 00:40:21.440 --> 00:40:27.000 increase before February of twenty twenty four was when. 735 00:40:28.119 --> 00:40:31.079 February of twenty twenty three was okay. 736 00:40:30.719 --> 00:40:35.280 Then they had a right to raise it probably in February. Okay. 737 00:40:35.440 --> 00:40:38.199 Now what they didn't have a right to do is 738 00:40:38.360 --> 00:40:43.079 raise it again in September and now again in December. 739 00:40:43.159 --> 00:40:46.079 They just don't have it right. 740 00:40:46.719 --> 00:40:48.760 And I don't know how to get that across to them. 741 00:40:49.119 --> 00:40:52.000 Well, how does she get it across to them? 742 00:40:52.840 --> 00:40:57.280 Well, she or an attorney for her can advise the 743 00:40:57.320 --> 00:41:00.519 landlord that the statute thirteen forty one. 744 00:41:00.360 --> 00:41:03.840 Oh eight thirteen forty one oh eight. 745 00:41:04.039 --> 00:41:05.880 Hold on, is that the right one that is worth 746 00:41:06.079 --> 00:41:09.000 That is one that's wrong? That is wrong. I meant 747 00:41:09.000 --> 00:41:10.880 to say thirty eight twelve seven oh twos. 748 00:41:10.960 --> 00:41:14.840 Excuse me, crs thirty eight twelve seven oh two is 749 00:41:14.880 --> 00:41:23.960 the limitation on raising rented yep, and dodge any any 750 00:41:23.960 --> 00:41:25.719 rent increase that violates this debt. 751 00:41:30.480 --> 00:41:31.239 So it's voice I. 752 00:41:31.480 --> 00:41:32.840 Am on the month to month lease. 753 00:41:34.119 --> 00:41:35.920 Yes, that's right, that's right, even a. 754 00:41:37.840 --> 00:41:38.400 Month to month. 755 00:41:38.960 --> 00:41:42.440 The one fifty rays you can't get back. But that 756 00:41:42.599 --> 00:41:46.119 twenty seven they did in September, that one they did 757 00:41:46.119 --> 00:41:49.920 in the one they did in February was probably correct. 758 00:41:49.360 --> 00:41:52.840 I didn't I didn't pay that amount though, because I 759 00:41:52.960 --> 00:41:54.119 was like, this is not right. 760 00:41:54.440 --> 00:42:01.440 I wait a minute, Tracy, Tracy, Tracy, what the one 761 00:42:01.719 --> 00:42:06.599 fifty was probably correct because it was a year after 762 00:42:07.320 --> 00:42:10.280 the other raise. Okay, we're just giving you the facts, 763 00:42:10.440 --> 00:42:13.679 like it or not. Did you pay the additional one 764 00:42:13.880 --> 00:42:16.280 fifty when they raised your rent in February? 765 00:42:16.880 --> 00:42:17.239 Yes? 766 00:42:17.519 --> 00:42:22.679 Yes, okay, good, excellent. Now in September, you did not 767 00:42:22.840 --> 00:42:24.800 pay the additional twenty seven, right. 768 00:42:26.000 --> 00:42:31.159 I did not pay the additional twenty seventh October or November, 769 00:42:31.239 --> 00:42:34.280 and I got a nasty email telling me that I 770 00:42:34.320 --> 00:42:35.440 needed to pay that amount. 771 00:42:36.159 --> 00:42:36.400 Okay. 772 00:42:36.599 --> 00:42:39.800 I got an email a week week after that email 773 00:42:39.880 --> 00:42:42.239 telling you that they're raising an additional twenty five. 774 00:42:42.719 --> 00:42:45.360 Okay, you're in the driver's seat right now. You need 775 00:42:45.400 --> 00:42:51.519 to let them know you know better, okay, And then 776 00:42:52.119 --> 00:42:54.119 if they try to evict you, you're going to use 777 00:42:54.159 --> 00:42:57.079 that as your defense. The next time they can raise 778 00:42:57.079 --> 00:42:59.679 your rent. The next time they can raise your rent, 779 00:42:59.719 --> 00:43:03.760 League Lee, would be in February, you know, a year, 780 00:43:04.519 --> 00:43:07.039 a year, that's right, whatever, the actually a year from 781 00:43:07.079 --> 00:43:11.199 the one fifty, that's right. So write them a letter 782 00:43:11.360 --> 00:43:14.800 and quote the law, quote the law. 783 00:43:14.960 --> 00:43:17.320 Could you tell me what the law is exactly. 784 00:43:17.400 --> 00:43:21.440 Please give them that give her that statute number again. 785 00:43:21.320 --> 00:43:26.159 Yes, CRS, which means Colorado Revice Statue ce RS thirty 786 00:43:26.159 --> 00:43:29.119 eight dash twelve dash seven oh two. 787 00:43:29.280 --> 00:43:35.440 Thirty eight dash twelve dash one O two seven oh 788 00:43:35.440 --> 00:43:36.360 two seven oh two. 789 00:43:36.400 --> 00:43:41.280 Sorry, Hey, can I ask Tracy a question? Tom, go ahead, 790 00:43:41.320 --> 00:43:44.800 and Tracy, do you want to stay there with these people? 791 00:43:44.960 --> 00:43:49.320 This is the other thing. I I had a cancer 792 00:43:49.320 --> 00:43:54.039 diagnosis and surgery. Okay, so I am needing to stay 793 00:43:54.079 --> 00:43:58.800 at least through March, and then I wasn't even going 794 00:43:58.880 --> 00:44:00.719 to stay after they raised my was that I had 795 00:44:00.760 --> 00:44:02.760 a cancer diagnosis, and that's terrible. 796 00:44:02.800 --> 00:44:08.840 Tracy recovery, Tracy, keep this in mind, Okay, keep this 797 00:44:08.920 --> 00:44:11.920 in mind. I understand that. I totally understand that, and 798 00:44:11.960 --> 00:44:14.079 I'm sorry about that. I hope you're doing well, by 799 00:44:14.079 --> 00:44:14.320 the way. 800 00:44:15.079 --> 00:44:18.119 I'm I'm recovering. It's been a long it's been a 801 00:44:18.119 --> 00:44:19.320 long couple of months. 802 00:44:19.639 --> 00:44:24.440 Okay. Now that doesn't play into anything, though, just so 803 00:44:24.559 --> 00:44:28.000 you know, right, okay, just so you know, I know. 804 00:44:27.960 --> 00:44:33.480 That I'm afraid of retaliation on that as well, not 805 00:44:33.519 --> 00:44:35.559 so much on the people that own the property, but 806 00:44:35.679 --> 00:44:36.960 on the property manager. 807 00:44:37.480 --> 00:44:42.599 Well, Okay, but the point is, how can they retaliate like. 808 00:44:42.639 --> 00:44:44.320 They have not giving me a good reference? 809 00:44:45.239 --> 00:44:49.000 Oh you know something, Well, they can't sue you for 810 00:44:49.119 --> 00:44:53.800 something that's illegal, and they can't even evict you unless 811 00:44:53.800 --> 00:44:56.880 they have a just cause. So you know, right now, 812 00:44:56.920 --> 00:44:59.679 the way the laws are, you're kind of okay. But 813 00:45:00.000 --> 00:45:03.840 as far as a bad reference, I think landlords and 814 00:45:04.039 --> 00:45:06.639 tenants are getting I mean, landlords and management companies are 815 00:45:06.639 --> 00:45:12.440 getting away from any references because they're getting sued too much. Brad, 816 00:45:12.480 --> 00:45:14.639 don't you find a lot of landlords don't want to 817 00:45:14.679 --> 00:45:16.239 give references bad or good. 818 00:45:16.400 --> 00:45:17.960 That's probably probably true. Yeah. 819 00:45:18.119 --> 00:45:21.079 Yeah, So so listen, call us back once you write them 820 00:45:21.119 --> 00:45:24.000 that letter, cite the law, let us know what happens. 821 00:45:24.920 --> 00:45:25.840 I'm Tom Martine. 822 00:45:27.559 --> 00:45:31.280 Oh you know that in February. 823 00:45:31.400 --> 00:45:33.559 Yeah she does, Yes, Okay, that's what we told her. 824 00:45:33.599 --> 00:45:36.960 Three oh three seven one three talk seven one three 825 00:45:36.960 --> 00:45:41.320 A two five five Denver Region dot Com. They are 826 00:45:41.320 --> 00:45:47.119 doing weight loss compounded supply drugs okay. And the truzepetide 827 00:45:47.320 --> 00:45:50.960 is really incredible. They have truzepetide which is way better 828 00:45:51.000 --> 00:45:53.760 than semiglue tide, and they have semi glue tide and 829 00:45:53.760 --> 00:45:56.119 his pennies on the dollars. I think it starts at 830 00:45:56.159 --> 00:45:58.039 two to fifty a month or two to seventy five 831 00:45:58.079 --> 00:46:02.360 a month, whatever. Contact Nverregen dot com. If you're looking 832 00:46:02.400 --> 00:46:11.719 to lose weight before the holidays, go with a sure 833 00:46:11.840 --> 00:46:14.960 thing Denver's best roofer Excel Roofing dot com. 834 00:46:15.000 --> 00:46:17.000 You don't pay a cent until you're content. 835 00:46:20.400 --> 00:46:23.559 Time for an insurance check up free, no obligation comparison 836 00:46:23.719 --> 00:46:27.280 call Compass Insurance paying too much your coverage at dozens 837 00:46:27.280 --> 00:46:30.000 of insurance companies find out now three all three seven 838 00:46:30.000 --> 00:46:32.360 to seven to one help. You'll think you're his only 839 00:46:32.440 --> 00:46:34.920 customer when you choose Frank durand the real estate Man 840 00:46:34.960 --> 00:46:38.440 dot com to list your home with Remax Alliance three 841 00:46:38.440 --> 00:46:47.599 all three nine two zero sixteen twenty two times. Tom 842 00:46:47.599 --> 00:46:51.159 Martino here three all three seven one three talk three 843 00:46:51.159 --> 00:46:53.679 oh three seven one three eight two five five. Okay, 844 00:46:53.719 --> 00:46:55.400 so hold on, let me go to people who have 845 00:46:55.440 --> 00:46:59.840 been here a while. So I think we've exhausted, Yeah, 846 00:46:59.880 --> 00:47:02.599 we've exhausted that we're done with Tracy at this point. 847 00:47:02.599 --> 00:47:04.480 I'm sorry to have to go back on that. Now, 848 00:47:04.599 --> 00:47:07.519 let me go back to Elaine. Elaine has she said 849 00:47:07.559 --> 00:47:09.960 she wants to talk about being scammed on the refinance 850 00:47:09.960 --> 00:47:13.440 of a home, and I hope this isn't true. Elaine 851 00:47:13.480 --> 00:47:14.280 explained this to me. 852 00:47:14.320 --> 00:47:21.000 What's going on, Well, my home is interest by parents 853 00:47:21.480 --> 00:47:24.400 have both passed away, and I was having a problem 854 00:47:24.440 --> 00:47:26.199 with the mortgage company that starts there. 855 00:47:26.280 --> 00:47:28.960 Okay, So hold on, when your mom and dad passed away? 856 00:47:29.039 --> 00:47:33.920 Did they pass away at the same time? No, who 857 00:47:34.000 --> 00:47:35.000 left the home to you? 858 00:47:37.000 --> 00:47:40.039 When my mom passed it went through to the trust? 859 00:47:40.440 --> 00:47:43.360 Okay, got it? So now you own the trust still 860 00:47:43.400 --> 00:47:44.119 owns the house. 861 00:47:45.880 --> 00:47:51.440 Yes, okay, go ahead, Well it's sort of anyway. 862 00:47:52.119 --> 00:47:54.119 What does that mean? Sort of? What does that mean? 863 00:47:54.199 --> 00:47:57.000 Sort of? Brad is listening. 864 00:47:56.079 --> 00:48:00.360 It's been foreclosed on. And this is because as the 865 00:48:00.400 --> 00:48:02.119 scam was foreclosed on yesterday. 866 00:48:02.440 --> 00:48:05.360 Okay. But but Elaine, this is really important. So I 867 00:48:05.400 --> 00:48:10.079 need to know something. When did your mom pass away? 868 00:48:10.199 --> 00:48:10.719 Seventeen? 869 00:48:11.559 --> 00:48:15.440 Okay? So she left it in a trust and you 870 00:48:15.519 --> 00:48:20.679 never took it out of the trust? Is that correct? Okay? 871 00:48:21.079 --> 00:48:23.559 Did you were you a trustee? 872 00:48:25.320 --> 00:48:25.559 Yes? 873 00:48:26.119 --> 00:48:29.079 Okay? And so you continued to live in the house 874 00:48:29.199 --> 00:48:29.920 is that correct? 875 00:48:31.400 --> 00:48:32.800 And make the payments? 876 00:48:33.239 --> 00:48:37.000 Okay? And the payments and the mortgage was lent to 877 00:48:37.079 --> 00:48:38.679 the trust. Is that correct? 878 00:48:40.280 --> 00:48:40.599 Yes? 879 00:48:41.440 --> 00:48:43.440 Well, no my parents. 880 00:48:43.719 --> 00:48:47.480 Okay, but I need to know this before we move on. 881 00:48:47.559 --> 00:48:50.719 I need to know this. Did the mortgage company have 882 00:48:50.800 --> 00:48:54.320 any problem with the trust having the home after your 883 00:48:54.360 --> 00:48:56.679 parents passed and with you paying it? 884 00:48:58.280 --> 00:48:58.440 No? 885 00:48:58.880 --> 00:49:01.360 Okay, so now continue. I knew your story. 886 00:49:02.639 --> 00:49:05.039 Anyway, So they went on, and then, of course weeks, 887 00:49:05.239 --> 00:49:07.719 I kept paying it, and then I went to try 888 00:49:07.719 --> 00:49:08.599 and reinstate. 889 00:49:09.719 --> 00:49:12.159 No wait, hold on, you skipped a whole bunch. You 890 00:49:12.280 --> 00:49:14.880 kept paying it and then went to reinstate. Well, what 891 00:49:14.880 --> 00:49:17.239 do you mean reinstate. You don't have to reinstate anything 892 00:49:17.320 --> 00:49:20.320 if you're making payments. So tell me what happened. 893 00:49:21.719 --> 00:49:22.920 Okay, I apologize. 894 00:49:23.039 --> 00:49:26.559 No, no, don't apologize. Just I'm confused. There's no reason 895 00:49:26.599 --> 00:49:30.119 to apologize. So you kept making your payments and somewhere 896 00:49:30.119 --> 00:49:32.400 along the line, somebody scammed you. What happened? 897 00:49:33.519 --> 00:49:36.840 I had I stopped making payments because I wasn't working 898 00:49:36.880 --> 00:49:37.440 at the time. 899 00:49:38.119 --> 00:49:41.320 When did you stop making payments? When did you stop? 900 00:49:42.920 --> 00:49:43.079 Well? 901 00:49:43.119 --> 00:49:46.239 I have made several payments since that they hadn't been 902 00:49:46.280 --> 00:49:47.320 credited as payments. 903 00:49:47.360 --> 00:49:50.639 Okay, here's what I need to know. Elaine, Elaine Elaine 904 00:49:50.719 --> 00:49:55.280 two thousand nights in twenty seventeen, the house went to 905 00:49:55.320 --> 00:49:57.880 you in a trust. I just need to know this. 906 00:49:57.880 --> 00:50:00.519 This is really important. I know people think it's a 907 00:50:00.559 --> 00:50:03.119 pain in the ass, but we have to know. You 908 00:50:03.239 --> 00:50:06.360 made payments for a period of time, then you stopped 909 00:50:06.400 --> 00:50:09.360 making payments for a period of time, then you resume 910 00:50:09.480 --> 00:50:11.280 making payments. Is that correct? 911 00:50:13.079 --> 00:50:13.440 Yes? 912 00:50:13.760 --> 00:50:16.679 Okay. What I need to know is those periods of 913 00:50:16.719 --> 00:50:20.199 time you continued to make payments from two thousand and 914 00:50:20.360 --> 00:50:21.159 seventeen to. 915 00:50:21.320 --> 00:50:25.280 When through twenty nineteen? 916 00:50:25.639 --> 00:50:30.639 Okay, you made she made payments through twenty nineteen. Then 917 00:50:30.679 --> 00:50:32.360 what then you stopped. 918 00:50:33.679 --> 00:50:37.440 Then contacted them to see about getting a reinstatement. That 919 00:50:37.480 --> 00:50:41.760 would have been October okay, accidently of twenty nineteen. 920 00:50:42.119 --> 00:50:44.960 Okay, hold on, I don't even know what you mean 921 00:50:45.039 --> 00:50:48.840 by a reinstatement. You said you made payments from two 922 00:50:48.960 --> 00:50:54.320 thy seventeen to through twenty nineteen. Why would you have 923 00:50:54.480 --> 00:50:57.079 to ask them for a reinstatement if you had made 924 00:50:57.159 --> 00:50:58.519 payments that whole time. 925 00:51:00.079 --> 00:51:03.280 Says I had stopped making payments, I couldn't make payments. 926 00:51:03.320 --> 00:51:09.079 Okay, that's Elaine, That's what I'm asking you. I promise 927 00:51:09.159 --> 00:51:12.639 I'm trying to help you. You said, you took over 928 00:51:12.679 --> 00:51:17.440 the home in twenty seventeen, and you continued to make 929 00:51:18.000 --> 00:51:20.159 payments for how. 930 00:51:20.119 --> 00:51:24.480 Long through twenty nineteen? 931 00:51:25.039 --> 00:51:29.039 But then you said, in two thousand nineteen you asked 932 00:51:29.079 --> 00:51:32.960 for reinstatement. And I asked you why, and you said, 933 00:51:33.079 --> 00:51:36.719 because you stopped making payments, you don't have to ask 934 00:51:36.760 --> 00:51:40.239 for reinstatement. If you were making your payments. You said 935 00:51:40.280 --> 00:51:45.320 you were making payments from twenty seventeen through twenty nineteen, 936 00:51:45.760 --> 00:51:50.320 so in twenty nineteen you would not ask for reinstatement 937 00:51:50.599 --> 00:51:54.760 because the house would not have been foreclosed on. So 938 00:51:55.039 --> 00:52:00.000 please help us explain, help us understand this for you. 939 00:52:00.239 --> 00:52:00.800 I'm trying. 940 00:52:01.320 --> 00:52:03.159 Oh, okay, then go ahead, I'll shut up. 941 00:52:03.199 --> 00:52:03.599 Go ahead. 942 00:52:03.840 --> 00:52:07.440 What happened in twenty nineteen, after you had been making 943 00:52:07.519 --> 00:52:10.800 payments steadily? What happened in twenty nineteen? 944 00:52:10.920 --> 00:52:16.719 I couldn't make payments and I hadn't made a payment 945 00:52:17.119 --> 00:52:20.960 for like four months. So the company called, and I 946 00:52:21.000 --> 00:52:23.639 had called them trying to get somebody to help. 947 00:52:24.039 --> 00:52:28.360 This was in twenty nineteen. You had missed four payments. Okay, 948 00:52:28.400 --> 00:52:29.639 got it, Okay, keep going. 949 00:52:30.239 --> 00:52:32.360 So I called and they said, let's go through a 950 00:52:32.400 --> 00:52:36.679 restate reinstatement process. So we started. 951 00:52:36.800 --> 00:52:39.280 What did they say that meant? What did that mean 952 00:52:39.320 --> 00:52:43.280 to them when they said, we're going through a restatement process, Brad, 953 00:52:43.360 --> 00:52:46.000 have you ever heard of a restatement process? 954 00:52:46.039 --> 00:52:47.719 Have you ever heard of that reinstatement? 955 00:52:47.960 --> 00:52:52.840 Reinstatement? Have you ever heard of that go ahead? 956 00:52:52.920 --> 00:52:54.079 If the lender put the. 957 00:52:55.639 --> 00:52:58.039 Late mortgage into a suspense account and sort of put 958 00:52:58.039 --> 00:53:03.400 it in their none performing account department, then is not 959 00:53:03.440 --> 00:53:05.199 in the regular course of repayments a right. 960 00:53:05.239 --> 00:53:09.920 So sometime in twenty nineteen she stopped making payments. Then 961 00:53:10.000 --> 00:53:13.639 they said to her, let's reinstate it. Then what happened? 962 00:53:16.320 --> 00:53:18.559 So I started to reinstatement with him? 963 00:53:19.079 --> 00:53:21.360 And what does that mean? What does that mean? You 964 00:53:21.400 --> 00:53:25.280 started the reinstatement? Was it like an application or what? 965 00:53:25.400 --> 00:53:26.320 Was it exactly? 966 00:53:26.400 --> 00:53:31.840 That they had a three month time period to get paperwork. 967 00:53:32.079 --> 00:53:35.239 Paperwork had to be in they needed trust in all 968 00:53:35.559 --> 00:53:40.159 kinds of things, title needed to be changed, et cetera. Okay, 969 00:53:40.880 --> 00:53:44.079 and they had a three month period. Now to you 970 00:53:44.079 --> 00:53:47.320 get to Thailand the paperwork all done. I also needed 971 00:53:47.320 --> 00:53:51.599 my son for something. He was deployed and is now again. 972 00:53:51.800 --> 00:53:55.639 Why did you need your son? Hold on Elaine, You 973 00:53:55.679 --> 00:53:57.679 just threw your son into this where he was never 974 00:53:57.800 --> 00:54:00.639 mentioned before. Why did you need your son? You got 975 00:54:00.639 --> 00:54:04.840 to explain that. Why did you need him? 976 00:54:05.119 --> 00:54:10.400 Because I was needed to move the be come into 977 00:54:10.440 --> 00:54:14.000 a different name and the deed. I need to move 978 00:54:14.039 --> 00:54:18.440 it into the new family trust because the mortgage company 979 00:54:18.440 --> 00:54:19.360 wanted me to do that. 980 00:54:20.199 --> 00:54:23.239 The mortgage company wanted you to move the house into 981 00:54:23.280 --> 00:54:24.360 someone else's name. 982 00:54:25.960 --> 00:54:27.960 Yeah, I and some out of the trust. 983 00:54:28.280 --> 00:54:32.400 Okay. And you needed your son for what reason? They 984 00:54:32.440 --> 00:54:34.440 wanted you to put it in your son's name. 985 00:54:36.360 --> 00:54:39.440 I needed his signature to put it in a new trust. 986 00:54:39.880 --> 00:54:42.400 Why his signature to put it in a new trust? 987 00:54:43.079 --> 00:54:45.360 He's on the new trust? 988 00:54:45.800 --> 00:54:49.880 Okay? All right? Who recommended this new trust? 989 00:54:49.920 --> 00:54:57.039 By the way, Well I did. I knew I needed 990 00:54:57.039 --> 00:55:01.280 to do it because of the home was with my 991 00:55:01.400 --> 00:55:03.400 parents' trust and that's how I wanted it. 992 00:55:04.000 --> 00:55:06.159 Did an attorney tell you to do a new trust? 993 00:55:07.599 --> 00:55:07.800 No? 994 00:55:08.519 --> 00:55:14.320 Okay. So, so after the bank contacted you and said 995 00:55:14.360 --> 00:55:19.199 we need to do a reinstatement, you formed a new trust. 996 00:55:22.599 --> 00:55:25.000 I was, yes, I was in the process because they 997 00:55:25.039 --> 00:55:26.280 needed that paperwork to. 998 00:55:26.239 --> 00:55:28.079 Do it, got it go ahead. 999 00:55:28.079 --> 00:55:30.559 I needed the paperwork to do it. 1000 00:55:31.440 --> 00:55:36.199 Okay, Okay, then what. 1001 00:55:39.079 --> 00:55:39.480 Anyway? 1002 00:55:39.760 --> 00:55:43.079 Their time frame was short, and trying to get a 1003 00:55:43.159 --> 00:55:45.840 hold of somebody who is deployed in the ocean somewhere 1004 00:55:46.000 --> 00:55:51.280 is not easy. I asked them several times if they 1005 00:55:51.280 --> 00:55:55.840 could extend that month to get that then, and they said, 1006 00:55:58.239 --> 00:56:01.039 I don't know, we'll see. Because I was working. Colorado 1007 00:56:01.079 --> 00:56:03.400 has that single point of contact rule. 1008 00:56:04.760 --> 00:56:06.400 And the point we hold on. 1009 00:56:06.280 --> 00:56:09.440 Hold on, wait, wait, wait, wait, wait, wait, wait wait again. 1010 00:56:09.960 --> 00:56:14.000 What do you mean by a single point of contract rule. 1011 00:56:15.920 --> 00:56:20.280 Colorado? When you're dealing with the mortgage and refinance and 1012 00:56:20.400 --> 00:56:24.719 reinstatement all that they have a rule that the mortgage 1013 00:56:24.760 --> 00:56:27.480 company has to have a single point of contact for 1014 00:56:27.519 --> 00:56:28.559 their customers. 1015 00:56:28.880 --> 00:56:31.159 Okay, got it? So then what. 1016 00:56:33.199 --> 00:56:36.119 Well, all she could do is give me information and 1017 00:56:36.159 --> 00:56:39.159 what I'd ask for an extra little bit of time 1018 00:56:39.880 --> 00:56:43.719 to get it done. She said, I don't, I don't know. 1019 00:56:43.800 --> 00:56:45.119 We'll have to wait and see. 1020 00:56:45.360 --> 00:56:48.199 Okay, But in all of this time, in all of 1021 00:56:48.239 --> 00:56:52.000 this time, you were not making payments. Is that correct? 1022 00:56:52.519 --> 00:56:54.719 No, they wouldn't take them. 1023 00:56:55.119 --> 00:56:57.320 They wouldn't take them because you were so far in 1024 00:56:57.360 --> 00:56:57.920 the rears. 1025 00:56:59.400 --> 00:57:03.199 Well right, And every time we'd start I would make 1026 00:57:03.239 --> 00:57:06.119 a payment, and then they would not take a payment 1027 00:57:06.199 --> 00:57:07.239 because they had to start over. 1028 00:57:07.239 --> 00:57:11.559 Because let's explain why. Let's explain why, Elane. Okay, they 1029 00:57:11.599 --> 00:57:15.719 are totally in the driver's seat when you stopped making payments, 1030 00:57:15.800 --> 00:57:18.559 and they did not want they did not want to 1031 00:57:18.559 --> 00:57:22.920 trigger a new agreement. They wanted to you. They wanted 1032 00:57:22.960 --> 00:57:26.199 you to get someone else to basically take over the 1033 00:57:26.199 --> 00:57:28.960 house and make the payments. They didn't they no longer 1034 00:57:29.000 --> 00:57:31.760 trusted you or wanted you as a customer. That's really 1035 00:57:31.800 --> 00:57:34.239 what I'm hearing now, Brad. I might be wrong, but 1036 00:57:34.440 --> 00:57:37.800 what I'm hearing is they told her, listen, if you 1037 00:57:37.840 --> 00:57:41.320 can find someone to do a loan and to take 1038 00:57:41.360 --> 00:57:45.320 over the house, fine, you know, maybe we can refinance 1039 00:57:45.360 --> 00:57:47.960 it with the new amount of the arrears built in, 1040 00:57:48.559 --> 00:57:51.400 but we need to get it done. And she thought, well, 1041 00:57:51.440 --> 00:57:53.519 I'll get my son to do it. But that's not 1042 00:57:53.760 --> 00:57:57.599 their fault that she picked someone who's deployed you. It 1043 00:57:57.760 --> 00:58:00.440 is do I have it right so far or not? 1044 00:58:02.119 --> 00:58:02.199 No? 1045 00:58:02.960 --> 00:58:05.840 Okay, what part do I have wrong? Because we're gonna 1046 00:58:05.840 --> 00:58:06.199 find out. 1047 00:58:06.320 --> 00:58:06.639 I want it. 1048 00:58:08.079 --> 00:58:11.360 Okay, I gotta take a break. Hang on, hang on, listen. 1049 00:58:11.480 --> 00:58:13.719 I'm not trying to trick you. I'm trying to help you. 1050 00:58:13.880 --> 00:58:23.800 Hang on. Go with a sure thing Denver's Best roofer 1051 00:58:23.920 --> 00:58:26.840 Excel Roofing dot com. You don't pay a cent until 1052 00:58:26.840 --> 00:58:33.320 you're content. Time for an insurance check up free, no obligation. 1053 00:58:33.360 --> 00:58:37.159 In comparison, call Compass Insurance paying too much your coverage 1054 00:58:37.199 --> 00:58:39.840 at dozens of insurance companies find out now three all 1055 00:58:39.920 --> 00:58:42.360 three seven seven to one help. You'll think you're his 1056 00:58:42.519 --> 00:58:45.159 only customer when you choose Frank durand the real estate 1057 00:58:45.199 --> 00:58:48.440 Man dot com to list your home with Remax Alliance 1058 00:58:48.679 --> 00:58:54.480 three oh three nine two zero sixteen twenty two. Hi 1059 00:58:54.599 --> 00:58:59.320 Tom Martinez here three all three seven one time seven 1060 00:58:59.400 --> 00:59:02.840 one three eight two five five. Welcome to the show. Now, 1061 00:59:02.920 --> 00:59:05.119 I want to go back to the phones now. I 1062 00:59:05.159 --> 00:59:08.159 got to make this We we really have to clear 1063 00:59:08.199 --> 00:59:10.360 this up because we need to take other callers. So 1064 00:59:10.400 --> 00:59:14.599 I want I want Naomi and Don and Todd to 1065 00:59:14.719 --> 00:59:18.480 please hang on. We will take your calls. Please, Elaine. 1066 00:59:18.880 --> 00:59:21.159 We have to finish up this call. But here's what 1067 00:59:21.320 --> 00:59:24.039 here's what we need to ask. What you talk about 1068 00:59:24.079 --> 00:59:27.480 a reinstatement is really a refinance. There is no such 1069 00:59:27.519 --> 00:59:30.559 thing as a reinstatement. I'm sorry, but there isn't. And 1070 00:59:31.079 --> 00:59:36.239 what you're talking about is some kind of refinance using 1071 00:59:36.280 --> 00:59:39.199 your son instead of you. And I think they were 1072 00:59:39.239 --> 00:59:42.760 going to put therearage into the refinancing, but you said no, 1073 00:59:42.920 --> 00:59:45.079 that's not what they were going to do, So why 1074 00:59:45.159 --> 00:59:46.239 don't you correct me? 1075 00:59:47.960 --> 00:59:52.480 Okay? The reinstatement with the mortgage company was to reinstate 1076 00:59:52.519 --> 00:59:55.519 the current loan and then continue payments on that. 1077 00:59:55.760 --> 00:59:58.079 And they were just going to forget about all the 1078 00:59:58.079 --> 01:00:00.599 money you missed, right, all the interest you didn't pay, 1079 01:00:00.639 --> 01:00:01.840 they were just going to forgive it. 1080 01:00:03.599 --> 01:00:07.239 No, the reinstatement added that back into it. 1081 01:00:07.280 --> 01:00:11.000 And then that's called a refinance. Keep going, okay, Okay, 1082 01:00:11.079 --> 01:00:11.599 keep going? 1083 01:00:12.199 --> 01:00:14.360 Then what they called it a reinstatement. 1084 01:00:14.440 --> 01:00:16.519 Okay, I don't care what they called it. And now what. 1085 01:00:16.639 --> 01:00:21.880 Now what we're gonna because that's a whole different saga. Anyway, 1086 01:00:21.880 --> 01:00:24.800 I did not get approved for that, okay. So I 1087 01:00:24.840 --> 01:00:30.800 started looking for another company to do the mortgage, and 1088 01:00:30.920 --> 01:00:33.559 I found somebody I thought that could help me. I 1089 01:00:33.599 --> 01:00:37.440 did some research, didn't find any complaints on them, and 1090 01:00:37.559 --> 01:00:39.800 I signed on with them. They said they could help me. 1091 01:00:40.480 --> 01:00:43.440 This is where the problem comes, Okay, That's where. 1092 01:00:43.280 --> 01:00:44.079 I was scammed. 1093 01:00:45.519 --> 01:00:46.360 Tell me how. 1094 01:00:48.440 --> 01:00:50.760 They said they could help me? And I should have 1095 01:00:50.840 --> 01:00:53.360 known better. I was stupid, naive or guestin. 1096 01:00:53.239 --> 01:00:55.760 How did you get scammed? Let's go to the park 1097 01:00:55.760 --> 01:00:57.960 where you got scammed? How did you get scammed? 1098 01:00:59.199 --> 01:01:00.800 They said they were going to help me, they were 1099 01:01:00.800 --> 01:01:05.119 going to stop the foreclosure, get me financing, okay, and 1100 01:01:05.480 --> 01:01:09.760 all of that, and I said fine, okay. Then at 1101 01:01:09.760 --> 01:01:14.320 that point, I was just days before the first foreclosure date. 1102 01:01:15.400 --> 01:01:17.800 And wait a minute, how did they say that? How 1103 01:01:17.800 --> 01:01:19.239 did they say they were going to help you? 1104 01:01:20.760 --> 01:01:24.039 They were going to get me refinanced, stop the foreclosure, 1105 01:01:24.679 --> 01:01:27.239 contact the attorney. 1106 01:01:27.320 --> 01:01:29.719 For the mortgage coun Do you have anything in writing 1107 01:01:29.760 --> 01:01:32.599 to that effect or did they contact the bank at all? 1108 01:01:33.719 --> 01:01:36.079 I do have stuff in writing for that. 1109 01:01:36.840 --> 01:01:40.079 You have stuff in writing saying that we will stop 1110 01:01:40.239 --> 01:01:43.880 the foreclosure and refinance you and help. 1111 01:01:43.760 --> 01:01:45.400 Me get refinanced. Yes? 1112 01:01:45.719 --> 01:01:47.800 And did you have to pay them any money for this? 1113 01:01:49.320 --> 01:01:50.480 Unfortunately? I did? 1114 01:01:51.199 --> 01:01:51.719 How much? 1115 01:01:53.599 --> 01:01:54.800 Fifteen dollars? 1116 01:01:55.440 --> 01:01:58.800 Yeah, you got scammed. Did they end up owning the 1117 01:01:58.840 --> 01:02:00.840 house or did it just get foreclosed on? 1118 01:02:02.440 --> 01:02:03.400 Got foreclosed on? 1119 01:02:04.000 --> 01:02:05.920 Yes, so they don't own it. They just wanted a 1120 01:02:06.000 --> 01:02:08.840 quick fifteen hundred where did you find these people? 1121 01:02:11.239 --> 01:02:14.360 It was mailed to me? Huh? 1122 01:02:15.519 --> 01:02:19.519 You know, Elaine. Now I'm sorry you fell for this. 1123 01:02:20.400 --> 01:02:23.599 I swear to God. This is so sad. So you 1124 01:02:23.679 --> 01:02:26.480 paid them fifteen hundred. But here's the truth of the matter. 1125 01:02:26.880 --> 01:02:30.840 I mean, really, Elaine, it doesn't sound like you had 1126 01:02:30.840 --> 01:02:33.760 a hope anyway. I mean you were months and months 1127 01:02:33.760 --> 01:02:37.239 and months behind. How much let me ask you some mean, 1128 01:02:37.440 --> 01:02:40.400 how much was the loan on your house. 1129 01:02:41.880 --> 01:02:44.559 That was balanced with one hundred and eighty two thousand. 1130 01:02:44.519 --> 01:02:45.679 And what was the house worth? 1131 01:02:49.039 --> 01:02:49.440 Twelve? 1132 01:02:49.559 --> 01:02:53.880 Oh? My god? So during the foreclothes it has it 1133 01:02:53.920 --> 01:02:55.079 been sold yet? 1134 01:02:56.639 --> 01:02:57.000 Yes? 1135 01:02:58.679 --> 01:02:59.800 To who? 1136 01:03:01.760 --> 01:03:04.840 A company out of Cleveland? I'd rather not say. 1137 01:03:05.599 --> 01:03:09.320 But on the air Brian brad brad Let's address, does 1138 01:03:09.360 --> 01:03:11.639 she have any hope here? I mean, be honest here, 1139 01:03:11.719 --> 01:03:13.079 let's let's talk about it. 1140 01:03:13.119 --> 01:03:16.400 Well, if there's an overbid at the sale, so public 1141 01:03:16.440 --> 01:03:19.639 auction bidder bids more than the than the than the 1142 01:03:19.920 --> 01:03:23.159 amount of the debt of the foreclosing lender, that extra 1143 01:03:23.199 --> 01:03:25.599 amount is left over at the end will get returned. 1144 01:03:25.239 --> 01:03:28.800 To the borrower. So do you know how much successful 1145 01:03:28.840 --> 01:03:29.159 bid at that? 1146 01:03:29.280 --> 01:03:31.159 Do you have any money coming to you? Elaine? 1147 01:03:32.719 --> 01:03:34.079 By eighty seven thousand. 1148 01:03:34.320 --> 01:03:40.920 Okay, you're going to have to settle for that, otherwise 1149 01:03:40.960 --> 01:03:42.760 you're going to spend years in court and you're going 1150 01:03:42.840 --> 01:03:50.840 to lose. That's my unprofessional, unlegal opinion. You're going to lose, Elaine. 1151 01:03:51.599 --> 01:03:54.960 The bank had every right to foreclose on you. You were scammed. 1152 01:03:54.960 --> 01:03:58.360 They're two separate things. 1153 01:03:57.840 --> 01:03:59.320 I'm aware of that. 1154 01:04:01.440 --> 01:04:03.599 Yeah, it's it's sad. 1155 01:04:03.719 --> 01:04:04.840 I'm just hoping. 1156 01:04:06.440 --> 01:04:06.800 It is. 1157 01:04:07.480 --> 01:04:10.280 And you want to get Are you trying to get 1158 01:04:10.280 --> 01:04:12.440 your fifteen hundred back? Is that why you called? 1159 01:04:14.320 --> 01:04:17.480 Well, I've turned them over to the Colorado AG, the 1160 01:04:17.519 --> 01:04:21.079 California AG, the I'ment of Justice, Apartment of Justice. 1161 01:04:21.119 --> 01:04:23.679 Have you ever did they have a phone number? What 1162 01:04:23.719 --> 01:04:27.320 do they say when you call them? 1163 01:04:27.480 --> 01:04:29.079 When I call the company, that stamms me. 1164 01:04:29.440 --> 01:04:32.239 Yeah, they've I've been ghosted. 1165 01:04:34.639 --> 01:04:38.320 I'm so sorry, Elaine. We can't help you, and thank 1166 01:04:38.360 --> 01:04:40.320 god you are at least going to get eighty seven 1167 01:04:40.400 --> 01:04:43.719 thousand dollars. I mean, really, I hope we have a 1168 01:04:43.800 --> 01:04:46.679 quick question from Naomi. Naomi, what is your question? We'll 1169 01:04:46.719 --> 01:04:48.760 get working on it and answer it after the break. 1170 01:04:48.760 --> 01:04:49.760 What's going on, Naomi? 1171 01:04:50.920 --> 01:04:55.000 My father passed away in twenty eighteen and I've been 1172 01:04:55.079 --> 01:05:00.639 having a hard time going through probate for his house. 1173 01:05:01.239 --> 01:05:05.960 Why because I don't know my siblings contact information And 1174 01:05:06.079 --> 01:05:12.480 I just got an email from the Mesa County attorney 1175 01:05:12.840 --> 01:05:16.639 asking me about the property and that it needs to 1176 01:05:16.719 --> 01:05:17.679 be cleaned up. 1177 01:05:18.440 --> 01:05:20.159 Okay, hold on and we'll come right back to you. 1178 01:05:20.199 --> 01:05:28.960 I'm Tom Martino. Go with a sure thing Denver's Best 1179 01:05:29.039 --> 01:05:31.000 roofer Excel Roofing dot com. 1180 01:05:31.039 --> 01:05:33.039 You don't pay a cent until you're content. 1181 01:05:36.440 --> 01:05:40.000 Time for an insurance checkup free, no obligation comparison call 1182 01:05:40.079 --> 01:05:43.400 Compass Insurance paying too much your coverage at dozens of 1183 01:05:43.440 --> 01:05:46.159 insurance companies find out now three all three seven to 1184 01:05:46.159 --> 01:05:48.960 seven to one help. You'll think you're his only customer 1185 01:05:49.000 --> 01:05:51.239 when you choose Frank durand the real estate Man dot 1186 01:05:51.280 --> 01:05:54.599 com to list your home with Remax Alliance three oh 1187 01:05:54.639 --> 01:05:58.599 three nine to zero sixteen twenty two. Hi Tom Martino 1188 01:05:58.679 --> 01:06:01.360 here three oh three seven one three talks seven one 1189 01:06:01.440 --> 01:06:06.119 three eight two five five. So what I want to 1190 01:06:06.159 --> 01:06:09.199 know is this, When your dad passed away in nineteen, 1191 01:06:10.039 --> 01:06:12.920 that's a long time ago. Where is the who owns 1192 01:06:12.960 --> 01:06:13.760 the house right now? 1193 01:06:15.119 --> 01:06:19.559 As far as I know, it's still in the courts 1194 01:06:19.719 --> 01:06:20.239 I filed. 1195 01:06:20.400 --> 01:06:22.840 No, it's no, it's not no, it's not in the courts. 1196 01:06:23.119 --> 01:06:25.880 It's in who's ever name? Was it in your dad's name? 1197 01:06:26.320 --> 01:06:27.599 It was in my dad's name? 1198 01:06:27.719 --> 01:06:30.639 Yes, Okay? Now who filed probate you? 1199 01:06:31.480 --> 01:06:34.360 I did, yes, because as far as I know, I 1200 01:06:34.440 --> 01:06:36.239 am his only heir. 1201 01:06:36.760 --> 01:06:38.960 Okay. And then when you said you don't know about 1202 01:06:38.960 --> 01:06:41.719 your siblings, what does that matter? Then why didn't you 1203 01:06:41.880 --> 01:06:45.920 just get the probate court to grant title to you? 1204 01:06:46.880 --> 01:06:50.199 Because they keep coming back and saying that I have 1205 01:06:50.880 --> 01:06:54.360 siblings that my father had listed or something like that. 1206 01:06:55.039 --> 01:06:56.800 Where did he list him? Did he have a will? 1207 01:06:57.840 --> 01:07:01.320 I don't know my parents' divorce when I was well. 1208 01:07:01.360 --> 01:07:04.719 Then who comes back to you coming to siblings? I 1209 01:07:04.719 --> 01:07:06.360 don't know if these are Naomi? 1210 01:07:06.639 --> 01:07:10.960 Who is coming back? Naomi, who is coming back to 1211 01:07:11.039 --> 01:07:16.480 you saying that there are siblings listed who see. 1212 01:07:16.320 --> 01:07:20.440 Mesa County courts? Well, they grant junction. 1213 01:07:20.639 --> 01:07:23.440 But but did anyone put a claim into the courts 1214 01:07:23.840 --> 01:07:24.280 because they. 1215 01:07:24.280 --> 01:07:25.599 Have no right to do that did? 1216 01:07:25.920 --> 01:07:28.880 And they came back and so that there were other 1217 01:07:28.960 --> 01:07:32.960 people listed under being children of my father's and that 1218 01:07:33.079 --> 01:07:33.639 I but they. 1219 01:07:33.559 --> 01:07:39.000 Don't be saying that if you opened up probate. Is 1220 01:07:39.000 --> 01:07:41.280 there do you have a will or not? Did you 1221 01:07:41.320 --> 01:07:42.119 say you had a will? 1222 01:07:42.639 --> 01:07:44.920 I do not know. My father has not been in 1223 01:07:44.960 --> 01:07:47.320 my life at all since I was a child, like 1224 01:07:47.519 --> 01:07:48.320 two years old. 1225 01:07:48.920 --> 01:07:51.519 Okay, well then how do you know the house was 1226 01:07:51.599 --> 01:07:52.159 left to you? 1227 01:07:53.360 --> 01:07:55.639 I don't as far as I know, Like I said, 1228 01:07:55.800 --> 01:07:58.079 as far as I know, I'm his only heir. But 1229 01:07:58.119 --> 01:07:58.719 there were. 1230 01:08:00.519 --> 01:08:01.800 I get it. I get it now. 1231 01:08:03.679 --> 01:08:04.639 So I said, I. 1232 01:08:04.559 --> 01:08:07.840 Don't know if these are adopted children children vib Well, it. 1233 01:08:07.760 --> 01:08:10.000 Really doesn't matter because you don't even know if you 1234 01:08:10.079 --> 01:08:13.800 own the house. I mean, really, we have to ask 1235 01:08:13.840 --> 01:08:15.880 Brad what's up with that, or maybe we call one 1236 01:08:15.920 --> 01:08:18.800 of our state attorneys. But it sounds like he he 1237 01:08:18.880 --> 01:08:21.239 died without a will, and no one really knows who 1238 01:08:21.319 --> 01:08:24.239 owns the house. And and you don't have to take 1239 01:08:24.319 --> 01:08:26.840 responsibility for anything. You can walk away from it. I 1240 01:08:26.840 --> 01:08:29.840 don't know why you open probate. We got more coming up. 1241 01:08:29.840 --> 01:08:33.279 Hold on go with a sure Thing Denver's Best roofer 1242 01:08:33.399 --> 01:08:36.319 Excel roofing dot com. You don't pay a cent until 1243 01:08:36.359 --> 01:08:42.800 you're contenth time for an insurance check up free, no obligation. 1244 01:08:42.840 --> 01:08:46.680 In comparison, call Compass insurance paying too much your coverage 1245 01:08:46.680 --> 01:08:49.279 at dozens of insurance companies. Find out now three O 1246 01:08:49.399 --> 01:08:51.880 three seven seven to one help. You'll think you're his 1247 01:08:52.039 --> 01:08:54.640 only customer when you choose Frank durand the real estate 1248 01:08:54.680 --> 01:08:57.960 man dot com to list your home with Remax Alliance 1249 01:08:58.159 --> 01:09:06.720 three oh three nine two zero sixteen twenty two ripped 1250 01:09:06.760 --> 01:09:11.720 off bad news. Need advice so you don't have. 1251 01:09:13.880 --> 01:09:14.600 Come running. 1252 01:09:14.880 --> 01:09:20.800 Just as fast as we can, Shooter's gonna help coming man. 1253 01:09:21.039 --> 01:09:25.279 This is the Troubleshooter Show now Tom Martinez. 1254 01:09:25.800 --> 01:09:28.319 Hey, welcome to the show. Three on three age seven 1255 01:09:28.399 --> 01:09:31.199 one three talk seven one three eight two five five. 1256 01:09:31.760 --> 01:09:34.760 I'm here to help you solve problems, answer questions, take complaints, 1257 01:09:34.840 --> 01:09:37.439 make your life a little easier. Just give us a 1258 01:09:37.479 --> 01:09:40.079 call if you need help on anything. And we have 1259 01:09:40.319 --> 01:09:44.560 been having some weird real estate calls today, but good 1260 01:09:44.640 --> 01:09:48.319 because we have ols law with us, Brad O'Brien and 1261 01:09:48.640 --> 01:09:52.680 O'Brien Legal Services and uh. This hour brought to you 1262 01:09:52.720 --> 01:09:55.880 by Wave eight Wealth Management, And as you know, that 1263 01:09:56.000 --> 01:09:59.800 is the company I started because of my frustration with 1264 01:09:59.840 --> 01:10:03.079 the financial industry and the investment industry. Is that simple. 1265 01:10:04.119 --> 01:10:08.199 I just don't believe in the direction of the industry 1266 01:10:08.279 --> 01:10:15.159 where basically advisors are aligned with giant firms that basically 1267 01:10:15.600 --> 01:10:21.319 pool your money in portfolios and not for you. They're 1268 01:10:21.439 --> 01:10:23.760 just they just take people who are alike and they 1269 01:10:23.800 --> 01:10:26.880 try to group them all together. They're just way too 1270 01:10:26.920 --> 01:10:30.840 big to give the boutique services that I believe people deserve. 1271 01:10:31.880 --> 01:10:34.319 I dropped out years ago and started my own thing 1272 01:10:34.399 --> 01:10:37.880 with my own advisors, and then I eventually got registered 1273 01:10:37.920 --> 01:10:39.680 so I could offer it to the public. And it's 1274 01:10:39.800 --> 01:10:44.039 just it's just this simple. We tailor everything to the individual. 1275 01:10:44.399 --> 01:10:48.600 We meet with the individuals, we give individual boutique services. 1276 01:10:49.319 --> 01:10:54.399 You can look us up Wave eight Wealthmanagement dot com. 1277 01:10:54.399 --> 01:10:58.359 That's the number eight, just the number eight, or invest 1278 01:10:58.399 --> 01:11:01.479 with Martino dot com. Now I'm going to tell you something. 1279 01:11:01.520 --> 01:11:04.880 This is one hundred percent of my money in this 1280 01:11:04.960 --> 01:11:09.199 company along with yours, and you should accept nothing else. 1281 01:11:09.319 --> 01:11:12.920 And we have been discovering people paying fees out the 1282 01:11:13.079 --> 01:11:16.479 nose and they don't even know it because they're doing commissions, 1283 01:11:17.039 --> 01:11:20.600 they're doing assets under management, and they're doing all kinds 1284 01:11:20.600 --> 01:11:26.039 of other hidden fees. Now people need help. Okay, there's 1285 01:11:26.159 --> 01:11:29.159 very few people that can do this themselves, and most 1286 01:11:29.159 --> 01:11:31.079 of the time you're not getting the help you need, 1287 01:11:31.159 --> 01:11:35.520 so please avail yourself of free help right now and 1288 01:11:35.600 --> 01:11:37.880 get a free checkup three oh three seven seven to 1289 01:11:37.880 --> 01:11:41.640 one help seven seven one four three five seven. I 1290 01:11:41.760 --> 01:11:44.479 urge you to do it, because until I took my 1291 01:11:44.680 --> 01:11:48.479 own situation into my own hands, I didn't realize how 1292 01:11:48.520 --> 01:11:55.000 weird this industry is. Invest with Martino dot com. Brad 1293 01:11:55.039 --> 01:11:57.520 O'Brien is with us. He's a professional in real estate. 1294 01:11:57.600 --> 01:12:03.199 Naomi was talking about a weird situation. We're gonna try. 1295 01:12:03.399 --> 01:12:08.199 We decided we need really an estate planning attorney to 1296 01:12:08.359 --> 01:12:11.399 also weigh in on this, so we're gonna wait until 1297 01:12:11.399 --> 01:12:15.760 we can get Dan McKenzie on to talk about this. Because, Naomi, 1298 01:12:16.199 --> 01:12:20.960 you're in an impossible situation. You opened up probate without 1299 01:12:21.039 --> 01:12:25.039 really the authority, meaning you don't know anything about the 1300 01:12:25.119 --> 01:12:29.880 other siblings or about the estate, and your hands are tied. 1301 01:12:31.119 --> 01:12:33.359 So hold on a second and see what happens in 1302 01:12:33.399 --> 01:12:38.880 a case like this. And by the way, Brad, and 1303 01:12:38.920 --> 01:12:42.399 maybe I asked this too, Maybe I asked this to 1304 01:12:42.520 --> 01:12:46.039 our estate planning staring you let me know, is it 1305 01:12:46.119 --> 01:12:48.479 really is the county really in a position to say 1306 01:12:48.840 --> 01:12:50.880 I didn't think they're in a position to say, oh, 1307 01:12:50.920 --> 01:12:53.279 by the way, there are other errors out there. That's really, 1308 01:12:53.560 --> 01:12:55.680 in my opinion, none of their business. 1309 01:12:55.960 --> 01:12:57.359 No, I think the court would be saying that it 1310 01:12:57.359 --> 01:12:59.279 sounds like she got to notice from the county about 1311 01:12:59.319 --> 01:13:00.399 the property. 1312 01:13:01.000 --> 01:13:04.039 No, that's right. So you're saying the court would say that, Well, 1313 01:13:04.079 --> 01:13:05.520 who would say that the judge? 1314 01:13:05.680 --> 01:13:07.680 Yeah, the private court judge is not going to enter 1315 01:13:07.880 --> 01:13:11.760 order a final distribution of the trust asset the estate 1316 01:13:11.800 --> 01:13:14.760 assets until the court is confident that all the focus 1317 01:13:14.880 --> 01:13:15.399 eries are named. 1318 01:13:15.439 --> 01:13:20.960 All right, So kitchina are you getting Dan, I'm working 1319 01:13:21.000 --> 01:13:24.239 on it. I'm working on it. Tom, Thank you. Then 1320 01:13:24.279 --> 01:13:27.119 I want to go to uh Todd who has a 1321 01:13:27.199 --> 01:13:33.680 question for Brad. Go ahead, Todd, Hi, Hi Todd. What's 1322 01:13:33.680 --> 01:13:33.960 going on? 1323 01:13:35.640 --> 01:13:35.840 Oh? 1324 01:13:35.880 --> 01:13:38.520 I'm sorry, a little bit of a break they're bringing 1325 01:13:38.560 --> 01:13:42.600 me on. I live in Mumbling and I'm blocking a 1326 01:13:42.600 --> 01:13:44.600 half up from my house. There is a home that 1327 01:13:44.720 --> 01:13:48.800 has been condemned by the city. It was condemned in 1328 01:13:48.960 --> 01:13:52.079 August of twenty thirteen, and there was a death in 1329 01:13:52.159 --> 01:13:54.439 the home and my understanding is that there was some 1330 01:13:54.560 --> 01:13:57.479 drug use going on in the house as well. Okay, 1331 01:13:58.600 --> 01:14:01.800 I'm tired of looking at this point. The city has 1332 01:14:01.840 --> 01:14:05.000 had to come out and remove weeds, so I know 1333 01:14:05.039 --> 01:14:08.880 that they've kind of assessments on the property. Now I'm trying 1334 01:14:08.920 --> 01:14:12.279 to see because the owner is am I, he is gone. 1335 01:14:13.760 --> 01:14:16.479 My understanding, and I have not been able to verify this, 1336 01:14:17.239 --> 01:14:19.800 is that he's also on the sex offenders registry and 1337 01:14:19.840 --> 01:14:22.520 this house is three homes away from an early childhood 1338 01:14:22.640 --> 01:14:26.399 education center. Okay, so my understanding is he can't even 1339 01:14:26.479 --> 01:14:30.880 live there. Is there a mechanism legally that I could 1340 01:14:30.880 --> 01:14:38.239 pursue to have the property declared as abandoned and get 1341 01:14:38.520 --> 01:14:40.680 title to the property so that I can get it 1342 01:14:40.720 --> 01:14:47.159 renovated and sold with the condition that the buyers live there. 1343 01:14:48.279 --> 01:14:49.439 Not for renal properties. 1344 01:14:49.960 --> 01:14:53.079 Of course you can't. You can't just dictate what you 1345 01:14:53.119 --> 01:14:55.119 want about who lives there and what happens. I mean, 1346 01:14:55.159 --> 01:14:57.760 and of course you can't. I mean, the quick answer is, no, 1347 01:14:58.640 --> 01:15:02.399 you can't. You can't just have it declared abandon because 1348 01:15:02.399 --> 01:15:04.720 you want it to be, Or you can't just sell 1349 01:15:04.760 --> 01:15:07.439 it and put conditions on it that only the people 1350 01:15:07.439 --> 01:15:10.079 that buy it can live there. I mean, no, that's 1351 01:15:10.199 --> 01:15:11.600 really the short answer, Todd. 1352 01:15:12.359 --> 01:15:13.199 What you can do? 1353 01:15:13.279 --> 01:15:14.560 I don't know what I bought my house. 1354 01:15:14.760 --> 01:15:16.920 I know what I bought my house. There's a condition 1355 01:15:16.960 --> 01:15:18.680 of the mortgage that would be owner occupied. 1356 01:15:19.239 --> 01:15:21.520 Well, that's a condition of the mortgage that has nothing 1357 01:15:21.520 --> 01:15:25.439 to do with you or neighbors, the lenders. And by 1358 01:15:25.479 --> 01:15:28.199 the way, it didn't have to be owner occupied. If 1359 01:15:28.279 --> 01:15:31.079 you wanted to get an owner occupied mortgage, it had 1360 01:15:31.079 --> 01:15:33.239 to be owner occupied. If you wanted to get a 1361 01:15:33.279 --> 01:15:36.039 regular mortgage, you could be a landlord. There's no one 1362 01:15:36.079 --> 01:15:39.159 in the world, unless it's against the law, to tell 1363 01:15:39.199 --> 01:15:43.119 you can't rent out the place. Okay. So I don't 1364 01:15:43.159 --> 01:15:46.039 mean to attack you or anything, but I just think 1365 01:15:46.039 --> 01:15:49.600 you're operating on a completely inaccurate premise. There is no 1366 01:15:49.760 --> 01:15:52.159 special power I put conditions on a house. 1367 01:15:53.439 --> 01:15:56.039 I'm to bet with you. 1368 01:15:56.039 --> 01:15:59.159 No, no, no, listen, I'm not being Let me explain 1369 01:15:59.239 --> 01:16:02.479 this to you. Okay. The answer is no, you can't. Okay, 1370 01:16:02.640 --> 01:16:04.840 you asked the question. I answered, No, you can't. What 1371 01:16:04.880 --> 01:16:08.000 you can do. What you can do as an alternative 1372 01:16:08.359 --> 01:16:11.439 is is you can if the house you can't get 1373 01:16:11.439 --> 01:16:14.920 a house declared abandon Here's who declares a house abandoned, 1374 01:16:15.119 --> 01:16:19.279 the lender or the city it is. Do you know 1375 01:16:19.359 --> 01:16:20.720 if there's a loan on the house. 1376 01:16:22.600 --> 01:16:24.119 I think it's a private party loan. 1377 01:16:24.720 --> 01:16:28.239 Okay, So no one's trying to foreclose. No one's trying 1378 01:16:28.239 --> 01:16:29.560 to foreclose on this house. 1379 01:16:31.640 --> 01:16:34.279 A couple of weeks ago, the city clerk had not 1380 01:16:34.479 --> 01:16:36.439 had any noticeable closure of it. 1381 01:16:36.960 --> 01:16:39.920 Okay, So therefore it's just gonna sit there. Now the 1382 01:16:39.960 --> 01:16:44.079 city can force it to be cleaned up and build 1383 01:16:44.119 --> 01:16:46.520 the landlord or kiss me the owner, and if the 1384 01:16:46.520 --> 01:16:50.439 owner doesn't pay, can take over ownership and foreclose and 1385 01:16:50.520 --> 01:16:53.039 sell it. Brad weigh in on this. What do you 1386 01:16:53.079 --> 01:16:55.600 think your neighbor down the street you see this. I 1387 01:16:55.640 --> 01:16:58.439 don't blame Todd for being upset, but you can't just, 1388 01:16:58.760 --> 01:17:02.199 you know, declare it abandon can you know Todd. 1389 01:17:02.079 --> 01:17:03.960 Is a stranger to the property, He has no property 1390 01:17:03.960 --> 01:17:06.000 interest in it. Now, anyone with a lean in the 1391 01:17:06.000 --> 01:17:09.199 property could eventually foreclose. Now that's the lender, it's the 1392 01:17:09.239 --> 01:17:11.880 city who does work on the property to remove weeds. 1393 01:17:12.119 --> 01:17:14.560 They might have a one hundred dollars lean against the rank, 1394 01:17:14.960 --> 01:17:18.159 or the real estate taxes may maybe aren't getting paid. 1395 01:17:18.600 --> 01:17:21.760 So if any of those is foreclosed, then there would 1396 01:17:21.760 --> 01:17:24.960 be a foreclosure auction and Todd can go to ammit it. 1397 01:17:25.039 --> 01:17:29.000 That auction and try to win the property. Sure, a foreclosure. 1398 01:17:28.560 --> 01:17:32.720 Buyer, that's the possibility, Todd, But someone someone with a 1399 01:17:32.880 --> 01:17:38.880 financial interest is the only one that can end up 1400 01:17:39.000 --> 01:17:41.439 doing that. Does that mean. 1401 01:17:41.399 --> 01:17:44.239 That's what I'm saying. Is there a legal way that 1402 01:17:44.279 --> 01:17:47.359 I can approach the lender? Say, hey, you know you've 1403 01:17:47.399 --> 01:17:47.760 got a. 1404 01:17:48.000 --> 01:17:51.960 Yeah you can, John, Yeah, you can approach the lender 1405 01:17:52.039 --> 01:17:53.960 for sure. If you know who the lender is, you 1406 01:17:54.000 --> 01:17:57.439 can buy the loan and then foreclose on it if 1407 01:17:57.479 --> 01:18:00.600 it's not being paid. You absolutely can do. 1408 01:18:00.800 --> 01:18:03.479 Right now, the house is sitting there with broken windows, 1409 01:18:03.640 --> 01:18:04.680 open doors. 1410 01:18:06.000 --> 01:18:09.319 Why is it the city? Why isn't the city boarding 1411 01:18:09.319 --> 01:18:10.760 it up and charging the owner? 1412 01:18:12.920 --> 01:18:15.119 Last I talked to the city, Uh, they told me 1413 01:18:15.199 --> 01:18:16.840 that they were going to go in and do a 1414 01:18:16.840 --> 01:18:20.039 weed mitigation and then they would put assessment. Put an 1415 01:18:20.079 --> 01:18:21.319 assessment on the property. 1416 01:18:21.720 --> 01:18:23.600 I can't get So you're. 1417 01:18:23.479 --> 01:18:27.800 Saying the police department is saying that there's an open 1418 01:18:27.840 --> 01:18:31.479 investigation on it. I was able to ascertain that there 1419 01:18:31.600 --> 01:18:33.279 was some of that activity in the house. 1420 01:18:33.760 --> 01:18:38.800 Okay, So what you're what you're asking is all logical. 1421 01:18:39.079 --> 01:18:42.600 You want it out of your neighborhood. So again, the 1422 01:18:42.640 --> 01:18:47.680 only way to do that would be to fore clothes 1423 01:18:47.720 --> 01:18:50.119 on it. And in order to foreclose on it, you 1424 01:18:50.239 --> 01:18:53.199 have to have a lean. The lender can do it. 1425 01:18:53.359 --> 01:18:55.800 You can buy the loan from the lender, or you 1426 01:18:55.800 --> 01:18:58.560 can call the lender and yeah, you can just talk 1427 01:18:58.600 --> 01:19:01.119 to him as a person. You said, it's a private party, 1428 01:19:01.439 --> 01:19:04.159 or even if it was a bank. In fact, if 1429 01:19:04.159 --> 01:19:05.960 it was a bank, it would be better. You could say, 1430 01:19:06.000 --> 01:19:09.239 do you realize the liability? Do you realize the liability 1431 01:19:09.279 --> 01:19:12.279 you have having this home the way it is? Yeah, 1432 01:19:12.319 --> 01:19:15.000 it would be ter, you know, I I you could 1433 01:19:15.039 --> 01:19:17.800 do that. Do you did you do an? You can 1434 01:19:17.880 --> 01:19:19.760 do an O N E on the property? Do you 1435 01:19:19.760 --> 01:19:23.199 know what that is? Yeah? 1436 01:19:23.479 --> 01:19:24.399 Orders and the compasses? 1437 01:19:24.479 --> 01:19:24.760 Yeah. 1438 01:19:24.880 --> 01:19:28.920 Yeah, so if you did that, have you done it yet? 1439 01:19:30.439 --> 01:19:32.000 Did an on the property? 1440 01:19:32.279 --> 01:19:32.479 And? 1441 01:19:32.920 --> 01:19:37.119 Uh? Did the fat honor about May this year? 1442 01:19:37.319 --> 01:19:40.640 Okay? Who is the lender? 1443 01:19:41.960 --> 01:19:44.279 Did not say in who the lender was? 1444 01:19:44.640 --> 01:19:45.840 Yeah, it usually does. 1445 01:19:46.039 --> 01:19:49.399 It should say who the owner of the property is, Todd, 1446 01:19:49.479 --> 01:19:51.000 that's where you wanted to own. 1447 01:19:51.039 --> 01:19:53.520 But it also shows record. Wait a minute, it shows 1448 01:19:53.560 --> 01:19:57.239 recorded leans. So were there any leans on it? For 1449 01:19:57.479 --> 01:19:59.079 first deed of trust? 1450 01:20:00.680 --> 01:20:03.239 I called the county and they said that there is 1451 01:20:03.239 --> 01:20:04.640 that they would not tell me who it was. 1452 01:20:05.079 --> 01:20:08.680 Well, you can. It's public record. It's a recorded deed 1453 01:20:08.760 --> 01:20:13.359 of trust. It's all public. Nobody has to tell you anything. 1454 01:20:16.239 --> 01:20:21.199 Yeah, you talked to the owner. 1455 01:20:22.720 --> 01:20:25.560 I talked to the owner over a year ago, and 1456 01:20:26.560 --> 01:20:29.239 he said he wanted He said he wanted someone in 1457 01:20:29.239 --> 01:20:34.199 the neighborhood of four hundred thousand dollars for the house. Okay, 1458 01:20:34.239 --> 01:20:39.319 so house is not worth barely more than the property. 1459 01:20:39.000 --> 01:20:39.560 That it sits on. 1460 01:20:39.680 --> 01:20:41.479 Right now, Okay, here's what. 1461 01:20:43.920 --> 01:20:45.279 A broken windows. 1462 01:20:45.760 --> 01:20:53.880 Obviously obviously the owner's making payments. Well apparently, Yeah, so 1463 01:20:54.079 --> 01:20:59.960 as as long as the owner makes nobody well somebody 1464 01:21:00.119 --> 01:21:03.399 making payments, or the lender would foreclose. If the lender's 1465 01:21:03.439 --> 01:21:06.319 not for closing, the lender doesn't care. Those are the 1466 01:21:06.359 --> 01:21:09.880 only people with legal rights to do anything, the owner, 1467 01:21:10.800 --> 01:21:15.640 the lender, the owner, the lender, and the city. If 1468 01:21:15.680 --> 01:21:20.720 those three don't do anything, it's really unfortunate. Now, you 1469 01:21:20.840 --> 01:21:25.000 and some neighbors can get together and demand that the 1470 01:21:25.039 --> 01:21:28.720 city protected and make it right, and then they can 1471 01:21:28.760 --> 01:21:31.039 put a lean on it for clothes on it and 1472 01:21:31.079 --> 01:21:34.920 do what you want. But here's the deal. Even if 1473 01:21:34.960 --> 01:21:38.039 they do foreclothes on it, you don't control who buys 1474 01:21:38.079 --> 01:21:40.760 it or what they do with it. If somebody wants 1475 01:21:40.800 --> 01:21:43.159 to rent it out, they can. Now what you can 1476 01:21:43.239 --> 01:21:48.960 do is you can can contact not the owner, but 1477 01:21:49.119 --> 01:21:52.359 the lender, which is on the o ande. I can't 1478 01:21:52.399 --> 01:21:55.399 help that you didn't see it, but it is. Every 1479 01:21:55.479 --> 01:21:58.319 lender is named on an one. The first deed of 1480 01:21:58.359 --> 01:22:00.840 trust is public record. You can go right down and 1481 01:22:00.880 --> 01:22:03.159 get it right now and find out who owns it. 1482 01:22:03.720 --> 01:22:05.760 I mean, who has the first deed of trust, which 1483 01:22:05.800 --> 01:22:08.319 is a loan. When you find the lender, you can 1484 01:22:08.359 --> 01:22:11.399 call that lender and say, do you realize your property 1485 01:22:11.439 --> 01:22:14.239 is going to hell? And you people owe you money 1486 01:22:14.239 --> 01:22:18.439 on this You're owed, you know, two hundred thousand dollars 1487 01:22:18.439 --> 01:22:22.399 on this house. Do you want to Hey, can I 1488 01:22:22.479 --> 01:22:26.920 buy the loan and I'll take it over? And then 1489 01:22:27.039 --> 01:22:29.880 if you're not being out now okay. 1490 01:22:29.920 --> 01:22:32.640 So one of the problems that I'm having, I'm sorry. 1491 01:22:32.520 --> 01:22:33.880 I didn't mean to in a row ahead, go ahead. 1492 01:22:33.880 --> 01:22:35.880 One of the problems I'm having right now and making 1493 01:22:35.920 --> 01:22:39.039 that decision is I can't get any information from the 1494 01:22:39.039 --> 01:22:43.960 police department. I talked to my city representative. 1495 01:22:44.079 --> 01:22:46.359 What are you talking about? What are you talking about? 1496 01:22:46.359 --> 01:22:48.000 Information from the police department. 1497 01:22:49.319 --> 01:22:51.199 There's an ongoing police investigation. 1498 01:22:51.960 --> 01:22:53.560 What does that have to do with anything? 1499 01:22:54.640 --> 01:22:58.159 They won't tell me. They won't tell me, Todd. Listen, 1500 01:22:58.159 --> 01:23:00.119 they won't give me any detail about it because it's 1501 01:23:00.119 --> 01:23:01.880 an ongoing police investigation. 1502 01:23:02.359 --> 01:23:06.920 Todd, you don't need police investigation to contact the lender 1503 01:23:07.199 --> 01:23:10.399 and to buy the loan and to foreclose. 1504 01:23:10.479 --> 01:23:12.880 Well, what I'm concerned about is if there's an ongoing 1505 01:23:12.920 --> 01:23:15.079 police investigation, I can go to the lender. I can. 1506 01:23:15.479 --> 01:23:18.359 If I can find the lender, I'll give you that. 1507 01:23:18.880 --> 01:23:20.960 Tell me why you care about Tell me why you 1508 01:23:21.000 --> 01:23:23.600 care about the police investigation. If I can go to 1509 01:23:23.640 --> 01:23:26.600 a lender, buy the house and foreclosing, what. 1510 01:23:27.880 --> 01:23:30.720 Can the city step in and say you can't do 1511 01:23:30.760 --> 01:23:33.920 anything with this property because there is an ongoing police investigation. 1512 01:23:34.039 --> 01:23:36.039 Maybe we need to get it out. And I don't 1513 01:23:36.039 --> 01:23:38.600 know how there could possibly be an ongoing police investigator 1514 01:23:38.640 --> 01:23:39.079 if there was. 1515 01:23:39.079 --> 01:23:43.439 A murder, if there was a murder something where it's 1516 01:23:43.560 --> 01:23:48.039 evidentiary and they coordined it off or they take it over, 1517 01:23:48.119 --> 01:23:52.560 but I mean you would know that. All I would 1518 01:23:52.600 --> 01:23:56.600 say is this, okay, Todd, I think you're complicating things. 1519 01:23:57.000 --> 01:23:59.439 Buy the loan from the lender. If the lender doesn't 1520 01:23:59.439 --> 01:24:01.520 want to sell the loan, you're out. You're out of luck. 1521 01:24:01.760 --> 01:24:04.000 If you can't get the city, you can't get the 1522 01:24:04.079 --> 01:24:08.239 lender that the only three avenues to that house, the lender, 1523 01:24:08.640 --> 01:24:13.079 the city that's it, or the owner that's it. If 1524 01:24:13.239 --> 01:24:15.720 none of those will bud nothing, you can do. 1525 01:24:16.000 --> 01:24:18.319 The reason I called it, I didn't know if there 1526 01:24:18.399 --> 01:24:19.840 might be I think. 1527 01:24:19.760 --> 01:24:22.920 I think you're on the right track. Listen, call again. 1528 01:24:23.199 --> 01:24:24.960 I'm not going to say it again. We are more 1529 01:24:25.000 --> 01:24:32.720 coming up on the Troubleshoulter Show. Go with a sure 1530 01:24:32.800 --> 01:24:36.239 thing Denver's Best roofer Excel Roofing dot com. You don't 1531 01:24:36.279 --> 01:24:42.279 pay a cent until you're content. Time for an insurance 1532 01:24:42.399 --> 01:24:46.079 check up free, no obligation. In comparison, call Compass Insurance 1533 01:24:46.239 --> 01:24:49.279 paying too much your coverage at dozens of insurance companies 1534 01:24:49.359 --> 01:24:51.960 find out now three oh three seven seven to one Help. 1535 01:24:52.119 --> 01:24:54.760 You'll think you're his only customer when you choose Frank 1536 01:24:54.800 --> 01:24:57.239 durand the Real Estate Man dot com to list your 1537 01:24:57.279 --> 01:25:00.479 home with Remax Alliance three oh three nine to zero 1538 01:25:00.560 --> 01:25:09.439 sixteen twenty two. Hi Tom Martino here, Welcome to the show. 1539 01:25:09.520 --> 01:25:12.439 Three all three seven one three talk seven, one, three, eight, two, 1540 01:25:12.479 --> 01:25:17.239 five five. I want to bring up Dan McKenzie mackenzie Law. 1541 01:25:17.319 --> 01:25:20.640 Now Dan does estate planning, and you know that a 1542 01:25:20.640 --> 01:25:24.159 lot of times they wear cand in hand with real estate. Dan. 1543 01:25:24.199 --> 01:25:27.520 I would just want to run this by you. Naomi's 1544 01:25:27.560 --> 01:25:31.760 never had anything to do with her dad her whole life, 1545 01:25:32.079 --> 01:25:37.039 but when he died, she opened up a probate. And Naomi, 1546 01:25:38.199 --> 01:25:40.119 did your dad live in the same state as you? 1547 01:25:41.600 --> 01:25:45.399 Yes, he lived in a Grand Junction, Colorado. And I'm 1548 01:25:45.399 --> 01:25:47.079 here in the Denver metro area. 1549 01:25:47.680 --> 01:25:50.720 So you heard he died and you opened up probate 1550 01:25:50.800 --> 01:25:53.399 and you thought you were the only one. You didn't know. 1551 01:25:54.439 --> 01:25:56.960 You didn't know there were any siblings. Is that correct? 1552 01:25:58.119 --> 01:26:03.359 Correct? I was notified that he passed away in twenty 1553 01:26:03.439 --> 01:26:05.600 nineteen by the Social Security Administration. 1554 01:26:06.439 --> 01:26:12.520 And were you appointed to personal representative? I'm sorry, were 1555 01:26:12.520 --> 01:26:14.800 you appointed the personal representatives? 1556 01:26:15.000 --> 01:26:18.760 No? No, I just got a letter from Social Security 1557 01:26:19.000 --> 01:26:25.079 Administration and so I went to Ansagram Junction to see 1558 01:26:25.119 --> 01:26:27.640 about his estate and what I needed to do to 1559 01:26:27.680 --> 01:26:30.960 close it out and everything, and I was told I 1560 01:26:31.000 --> 01:26:35.359 needed to file approbate papers. I did that, and then 1561 01:26:35.399 --> 01:26:39.920 the courts came back saying that there were other family, 1562 01:26:40.079 --> 01:26:43.359 other siblings, and that I needed their names and phone 1563 01:26:43.439 --> 01:26:45.840 numbers and addresses. And I tried to explain to them 1564 01:26:46.199 --> 01:26:48.920 I don't know these people. I've never had anything to 1565 01:26:49.000 --> 01:26:52.960 do with them. I don't have access to for me fami. 1566 01:26:53.079 --> 01:26:55.800 Did they say there were any claims being did anyone 1567 01:26:55.840 --> 01:26:56.239 else at? 1568 01:26:56.479 --> 01:26:57.279 No, they didn't. 1569 01:26:57.319 --> 01:26:59.920 They just said that I needed to provide the name 1570 01:27:00.319 --> 01:27:02.399 and the information for myself. 1571 01:27:02.439 --> 01:27:05.399 What I don't understand is this and maybe Dan McKenzie 1572 01:27:05.399 --> 01:27:09.439 can help me or Brad O'Brien, both attorneys. How would 1573 01:27:09.479 --> 01:27:11.680 the court even know there are other siblings and why 1574 01:27:11.680 --> 01:27:16.000 would they care? Dan? Is that the court's responsibility to 1575 01:27:16.119 --> 01:27:16.880 bring that up? 1576 01:27:17.359 --> 01:27:19.800 Dan McKenzie, No, I mean I don't. 1577 01:27:20.199 --> 01:27:22.039 I guess I don't know how they would know that either. 1578 01:27:22.119 --> 01:27:24.840 Usually you just close that on the application for the probate, 1579 01:27:25.840 --> 01:27:29.000 but you would be obligated to go out and put 1580 01:27:29.039 --> 01:27:32.159 a reasonal effort into finding those people if you are 1581 01:27:32.199 --> 01:27:32.880 the personal record. 1582 01:27:33.000 --> 01:27:36.319 That's what I don't understand, Naomi, who exactly contacted you 1583 01:27:36.399 --> 01:27:39.479 saying wait a minute, Naomi, you need to get your 1584 01:27:39.479 --> 01:27:40.960 brothers and sisters on here. 1585 01:27:42.119 --> 01:27:46.159 I have no idea. I guess the I don't know 1586 01:27:47.600 --> 01:27:50.640 I honestly, I don't know. I know I put down 1587 01:27:50.680 --> 01:27:53.319 that I had other family members, but I didn't know 1588 01:27:54.439 --> 01:27:56.079 I didn't have their information. 1589 01:27:57.000 --> 01:27:59.079 Wait so you put that down. 1590 01:27:59.439 --> 01:28:01.520 Yes, I asked at the court when I went in 1591 01:28:01.600 --> 01:28:03.880 and I asked them what do I do if there's 1592 01:28:04.000 --> 01:28:08.119 other family out there? That's how I don't And they 1593 01:28:08.119 --> 01:28:08.880 said that's how. 1594 01:28:08.760 --> 01:28:09.560 They knew that. 1595 01:28:10.520 --> 01:28:12.479 When then it filed it the first time. 1596 01:28:12.520 --> 01:28:15.880 They would make a decision, and they came back that 1597 01:28:15.960 --> 01:28:20.079 I needed to find out that information. But I don't 1598 01:28:20.119 --> 01:28:22.680 have names asses and I've been trying this whole time 1599 01:28:22.720 --> 01:28:23.439 to find that out. 1600 01:28:24.960 --> 01:28:29.239 Naomi, I think the problem was that you mentioned it 1601 01:28:29.279 --> 01:28:31.359 to begin with, because unless there was going to be 1602 01:28:31.399 --> 01:28:34.039 a fraud allegation, if you would have just gone in 1603 01:28:34.079 --> 01:28:36.439 there and said you knew of no other people and 1604 01:28:36.479 --> 01:28:39.359 you just filed, the house would have been transferred to you, 1605 01:28:39.439 --> 01:28:42.199 it would have been over unless there was fraud involved. 1606 01:28:42.399 --> 01:28:45.079 But but here's the bottom line. You're the one that 1607 01:28:45.159 --> 01:28:47.279 brought it up. You're the one that brought up there 1608 01:28:47.279 --> 01:28:48.800 could be other people involved. 1609 01:28:49.479 --> 01:28:52.119 Well, I acknowledge that, I you know, I don't know 1610 01:28:52.119 --> 01:28:57.560 what I'm doing, and that's why I asked, Okay, I 1611 01:28:57.600 --> 01:28:58.640 know I am my father. 1612 01:29:00.439 --> 01:29:02.600 Put her on hold. Please just put her on hold. Okay, 1613 01:29:02.640 --> 01:29:06.319 put her on hold because she's talking too much and 1614 01:29:06.359 --> 01:29:09.880 I need to get an answer and not a story. Dan, 1615 01:29:10.000 --> 01:29:10.800 What does she do? 1616 01:29:12.359 --> 01:29:15.640 I mean, I mean, we frequently have to hire like 1617 01:29:15.680 --> 01:29:18.720 a private investigator. There are businesses out there that this 1618 01:29:18.760 --> 01:29:21.119 is their job. They go out and find heirs. So 1619 01:29:22.000 --> 01:29:24.680 you know, there's air search. I think if you typed 1620 01:29:24.680 --> 01:29:27.119 in air search dot com you would find a business 1621 01:29:27.119 --> 01:29:29.159 that can help you go locate family members. 1622 01:29:29.760 --> 01:29:31.960 And what if they can't find what if you don't 1623 01:29:32.000 --> 01:29:33.399 find them? 1624 01:29:33.920 --> 01:29:35.600 I mean, you have to tell the court what you did, 1625 01:29:35.640 --> 01:29:37.199 and eventually you might be able to do like a 1626 01:29:37.199 --> 01:29:40.920 publication notice and say here's what I did, here's why 1627 01:29:41.000 --> 01:29:43.880 it's reasonable I didn't find anything, and the court might 1628 01:29:43.920 --> 01:29:46.159 authorize you to say, okay, publish the notification in the 1629 01:29:46.199 --> 01:29:51.399 newspaper and that'll be good enough. So but you really 1630 01:29:51.439 --> 01:29:53.159 do have to put a reasonable effort into it first. 1631 01:29:53.199 --> 01:29:55.479 You can't just you can't just decide I'm going to 1632 01:29:55.319 --> 01:29:58.520 do this notification in a newspaper and that'll be good. 1633 01:29:58.520 --> 01:30:00.960 You got to get the court's authorization that after showing 1634 01:30:01.000 --> 01:30:01.960 what you've already done. 1635 01:30:01.840 --> 01:30:12.399 Is reasonable. Okay. So bottom line is this, you have 1636 01:30:12.520 --> 01:30:15.159 to go search for them now that they know they exist. 1637 01:30:15.560 --> 01:30:21.600 I mean, that's it, right, Dan, You're right, So Naomi, 1638 01:30:21.680 --> 01:30:25.920 we can bring Naomi back, Naomi, because you brought it 1639 01:30:26.000 --> 01:30:28.279 up and because now they want to know about them, 1640 01:30:28.399 --> 01:30:30.680 you have to make a good faith effort to find them. 1641 01:30:31.479 --> 01:30:35.399 And eventually, if you can't find them, as Dan said, 1642 01:30:35.439 --> 01:30:39.880 they may allow you to maybe publish something or to 1643 01:30:40.079 --> 01:30:45.119 just transfer the house. But until that happens, you're gonna 1644 01:30:45.159 --> 01:30:47.920 have to notify them. 1645 01:30:48.000 --> 01:30:53.920 In the meantime, I can't hear anything, Okay. 1646 01:30:54.159 --> 01:30:59.840 Is there a reason she can't hear anything me? Okay, 1647 01:31:00.199 --> 01:31:02.560 you can hear me though, right, people, but she likes 1648 01:31:02.560 --> 01:31:04.119 to talk, so that could be part of the reason 1649 01:31:04.119 --> 01:31:06.760 why she can't hear anything because she's always talking over here. Listen, 1650 01:31:07.000 --> 01:31:10.239 I'm gonna I'm gonna speak up for you, Okay, Naomi. 1651 01:31:10.640 --> 01:31:13.399 You need to make a good faith effort to find 1652 01:31:13.640 --> 01:31:17.279 your your siblings or heirs, fellow heirs. 1653 01:31:18.520 --> 01:31:22.039 Okay, you hire a company. 1654 01:31:26.359 --> 01:31:28.359 I don't know what to do. Guys, we have a 1655 01:31:28.359 --> 01:31:31.800 bad connection. Let's just forget it, okay, Naomi, listen, Uh, 1656 01:31:32.319 --> 01:31:34.239 we can talk to you off the Air. Bottom line 1657 01:31:34.279 --> 01:31:40.039 is this? Okay, you gotta contact an attorney, Okay, Dan McKenzie. Meanwhile, 1658 01:31:40.079 --> 01:31:42.960 the county is asking her to fix up or to 1659 01:31:42.960 --> 01:31:46.159 to do something with the house. What are they asking 1660 01:31:46.199 --> 01:31:55.199 you to do to the house, Naomi? Goodbye? We got 1661 01:31:55.239 --> 01:32:03.880 more coming up on the Troubleshooter Show. Go with a 1662 01:32:03.920 --> 01:32:07.439 sure Thing Denver's Best Roofer Excel Roofing dot com. You 1663 01:32:07.479 --> 01:32:13.239 don't pay a cent until you're content. Time for an 1664 01:32:13.279 --> 01:32:16.920 insurance check up free, no obligation. In comparison, call Compass 1665 01:32:16.960 --> 01:32:20.239 Insurance paying too much your coverage at dozens of insurance 1666 01:32:20.239 --> 01:32:22.720 companies find out now three all three, seven to seven 1667 01:32:22.760 --> 01:32:25.520 to one help. You'll think you're his only customer when 1668 01:32:25.520 --> 01:32:28.039 you choose Frank durand the real estate Man dot com 1669 01:32:28.039 --> 01:32:31.119 to list your home with Remax Alliance three oh three 1670 01:32:31.239 --> 01:32:39.039 nine two zero sixteen twenty two to three seven one 1671 01:32:39.119 --> 01:32:41.319 three talk three all three seven one three eight two 1672 01:32:41.319 --> 01:32:44.920 five five Don, Welcome to the show. What's happening? 1673 01:32:45.000 --> 01:32:45.279 Don? 1674 01:32:48.560 --> 01:32:49.199 What's going on? 1675 01:32:49.279 --> 01:32:49.479 Don? 1676 01:32:49.600 --> 01:32:50.239 What's happening? 1677 01:32:51.439 --> 01:32:53.600 We've got a history. We know each other well enough. 1678 01:32:53.600 --> 01:32:55.039 I don't know if you want me to explain how 1679 01:32:55.079 --> 01:32:55.840 that connection is. 1680 01:32:56.319 --> 01:32:57.079 Oh, I don't care. 1681 01:32:57.119 --> 01:33:02.199 Go ahead, sir, formerly owned the company Don's Garage Doors. 1682 01:33:02.640 --> 01:33:03.760 Oh man, I. 1683 01:33:03.800 --> 01:33:04.319 Miss you. 1684 01:33:05.960 --> 01:33:06.159 Well. 1685 01:33:06.199 --> 01:33:08.920 Thank you for saying though, no, no, I'm serious. You know, 1686 01:33:09.119 --> 01:33:12.840 I listen. There are good times when companies sell and 1687 01:33:12.920 --> 01:33:15.279 bad times when companies sell. And I don't know what 1688 01:33:15.359 --> 01:33:17.479 yours is. We don't get any complaints. I'm not saying 1689 01:33:17.479 --> 01:33:21.279 it's a bad thing, but but our private I just 1690 01:33:21.279 --> 01:33:23.720 want to ask you real quick, our private equity companies 1691 01:33:23.760 --> 01:33:26.279 don are they buying up garage or companies? 1692 01:33:28.079 --> 01:33:28.720 Absolutely? 1693 01:33:29.680 --> 01:33:34.239 Okay, yes, So how are they doing that? 1694 01:33:36.520 --> 01:33:39.199 Well, I'm not entirely sure behind the scenes financing, but 1695 01:33:39.359 --> 01:33:41.880 I believe they have, as you know, back coast back 1696 01:33:41.960 --> 01:33:45.640 East money, back coast East money, where they have trying 1697 01:33:45.680 --> 01:33:48.760 to build a huge corporation and then later sell it. 1698 01:33:49.359 --> 01:33:52.279 And that's that's my understanding is that we we stepped 1699 01:33:52.319 --> 01:33:54.159 into the right place at the right time with a 1700 01:33:54.159 --> 01:33:57.000 good reputation, and they wanted what we had. So a 1701 01:33:57.000 --> 01:33:59.560 couple of years ago I sold the business. We're out 1702 01:33:59.560 --> 01:34:01.680 and I'm here today to call you because I've all 1703 01:34:01.680 --> 01:34:04.479 these years listened to you. Wanted to thank you, firstly 1704 01:34:04.840 --> 01:34:07.920 for the benefit of our relationship. Though I've gotten from 1705 01:34:08.000 --> 01:34:11.159 you so kudo's on you as always. Yeah, to say 1706 01:34:11.159 --> 01:34:13.840 that one of your twenty five year long running companies 1707 01:34:14.159 --> 01:34:16.920 on your list, you had said all these years I 1708 01:34:17.000 --> 01:34:18.880 used to listen as a young puff. You know, you 1709 01:34:18.960 --> 01:34:21.279 know when a company their quality of the individuals that 1710 01:34:21.359 --> 01:34:23.479 own the business and the character of the company, not 1711 01:34:23.600 --> 01:34:25.720 when things go smooth, but when things go wrong and 1712 01:34:25.760 --> 01:34:28.239 the wheels right the wagon, and what does. 1713 01:34:28.119 --> 01:34:29.119 The owner do to fix it? 1714 01:34:29.359 --> 01:34:29.920 Well, this is. 1715 01:34:29.920 --> 01:34:32.359 Jay Brett's getting to get huge out of boy for 1716 01:34:32.520 --> 01:34:34.560 me because he's done a couple of roofs for me, 1717 01:34:34.600 --> 01:34:36.560 and it's been four or five years now. We had 1718 01:34:36.560 --> 01:34:39.199 a particular difficult metal roofs to put on with the 1719 01:34:39.239 --> 01:34:42.359 ice demming. Not a lick of problem since he did 1720 01:34:42.600 --> 01:34:44.760 and there were a few issues, and then Jay and 1721 01:34:45.239 --> 01:34:47.079 was able to do the right thing by me as 1722 01:34:47.119 --> 01:34:49.880 the customer and take care of it. And so I 1723 01:34:50.000 --> 01:34:51.520 just thought many times I need to call. 1724 01:34:51.520 --> 01:34:52.439 Tom and let him know it. 1725 01:34:52.720 --> 01:34:56.159 That's great to Jay running a wonderful business. 1726 01:34:56.359 --> 01:35:00.000 That's great news. It really is. Listen A quick question 1727 01:35:00.119 --> 01:35:01.159 and what are you doing now? 1728 01:35:02.760 --> 01:35:04.840 Well, I'm retired, trying to figure out what I should 1729 01:35:04.840 --> 01:35:05.399 be doing now. 1730 01:35:06.239 --> 01:35:10.359 Okay, Well, if you're counting your money. I could use 1731 01:35:10.359 --> 01:35:14.359 some samples, but that's up to you. Hey, listen, don Uh, 1732 01:35:14.800 --> 01:35:16.800 you're a smart man. I know you land on your feet, 1733 01:35:16.800 --> 01:35:18.720 but I want to make it clear. Don's Garage Doors 1734 01:35:18.760 --> 01:35:22.159 is still in business. You just you exited, but it's 1735 01:35:22.199 --> 01:35:23.479 still in business, right. 1736 01:35:23.680 --> 01:35:27.600 Yes, absolutely, The line's share of the texts that worked 1737 01:35:27.600 --> 01:35:29.279 with me and the people are still working with the 1738 01:35:29.279 --> 01:35:30.159 new owners. 1739 01:35:30.479 --> 01:35:33.640 Okay, Well, thank you very much, Don, I appreciate it. 1740 01:35:33.720 --> 01:35:36.720 Stay in touch and feel free to come in one 1741 01:35:36.800 --> 01:35:38.960 day as a common man to say hi to us. 1742 01:35:39.000 --> 01:35:41.680 And it's been nic it's been nice dealing with you 1743 01:35:41.720 --> 01:35:43.840 over the years. You've done some garage doors for me 1744 01:35:43.880 --> 01:35:47.039 as well, so thank you. Three oh three seven one 1745 01:35:47.159 --> 01:35:58.439 three A two five five Go with a sure thing 1746 01:35:58.560 --> 01:36:01.359 Denver's Best Rufer sell roofing dot com. 1747 01:36:01.399 --> 01:36:03.439 You don't pay a cent until you're content. 1748 01:36:06.800 --> 01:36:10.359 Time for an insurance checkup free no obligation comparison call 1749 01:36:10.439 --> 01:36:13.760 Compass Insurance paying too much your coverage at dozens of 1750 01:36:13.800 --> 01:36:16.720 insurance companies find out now three oh three seven seven 1751 01:36:16.760 --> 01:36:19.520 to one help. You'll think you're his only customer when 1752 01:36:19.560 --> 01:36:22.039 you choose Frank durand the Real Estate Man dot com 1753 01:36:22.079 --> 01:36:25.199 to list your home with Remax Alliance three oh three 1754 01:36:25.279 --> 01:36:31.560 nine two zero sixteen twenty two. Hi Tom Martino, your 1755 01:36:31.720 --> 01:36:35.800 troubleshooter three oh three seven one three talk three oh 1756 01:36:35.880 --> 01:36:39.560 three seven one three eight two five five. Welcome to 1757 01:36:39.600 --> 01:36:43.359 the show. Let's uh go to go to Brad O'Brien. 1758 01:36:43.399 --> 01:36:46.960 Who's with us today? I'm gonna do some texts. Finally 1759 01:36:47.039 --> 01:36:50.199 got a break and calls my goodness, my goodness, my goodness. 1760 01:36:50.680 --> 01:36:59.439 All right, now, let's talk about quit claim deeds. A 1761 01:36:59.439 --> 01:37:04.239 lot of people talk about quit claim. Is that a 1762 01:37:04.279 --> 01:37:09.279 good form of transferring ownership? What are the strengths and weaknesses? 1763 01:37:09.319 --> 01:37:12.479 Somebody said, why do I not like quit claim deeds? 1764 01:37:12.479 --> 01:37:15.560 And that's really not the answer. I've never said I 1765 01:37:15.560 --> 01:37:17.600 don't like them. I said I don't think they should 1766 01:37:17.600 --> 01:37:19.600 be used for a state planning? But can you talk 1767 01:37:19.640 --> 01:37:22.960 about a quit claim deeds when they are apropos. 1768 01:37:23.960 --> 01:37:28.039 A quick claim deed is really just a conveyance of 1769 01:37:28.039 --> 01:37:30.399 some of the property interest, if you have any. 1770 01:37:30.479 --> 01:37:33.520 It contains no warranty of title exactly. So if you're 1771 01:37:33.520 --> 01:37:34.560 paying full value. 1772 01:37:34.319 --> 01:37:36.279 For a house, like half million dollars for a house, 1773 01:37:36.319 --> 01:37:37.960 you're not going to want to get a quick claim 1774 01:37:38.000 --> 01:37:39.920 deed from the seller because there's no warranty of title. 1775 01:37:40.000 --> 01:37:41.960 Tell the seller does not warrant to you that they 1776 01:37:41.960 --> 01:37:42.520 even own it. 1777 01:37:42.920 --> 01:37:46.159 No. In other words, I've often joked I could write 1778 01:37:46.159 --> 01:37:49.279 you a quit claim deed for the joy for the 1779 01:37:49.319 --> 01:37:50.600 Empire state building. Yep. 1780 01:37:50.920 --> 01:37:53.840 But quick claim d's are very helpful in cleaning up title. 1781 01:37:54.239 --> 01:37:58.000 If somebody has a prospective claim against a property, you 1782 01:37:58.039 --> 01:38:00.000 can get that released by them giving you a quick 1783 01:38:00.119 --> 01:38:02.479 claim deed. For example, if they have a potential okay, 1784 01:38:02.600 --> 01:38:05.560 adverse possession claim against your property because they've been using 1785 01:38:05.560 --> 01:38:08.279 your property for twenty years, and you pay them some 1786 01:38:08.359 --> 01:38:10.560 money to release that, they would give you a quick 1787 01:38:10.560 --> 01:38:13.199 claim deed in return. Next thing wish is that adverse 1788 01:38:13.199 --> 01:38:15.319 possession claim that's not been brought to court. 1789 01:38:15.199 --> 01:38:19.920 Yet, okay, because it does transfer whatever interest or interest 1790 01:38:20.039 --> 01:38:21.039 you have or may have. 1791 01:38:21.520 --> 01:38:22.000 That's right. 1792 01:38:22.279 --> 01:38:25.279 So therefore, by doing a quit claim deed, you're relinquishing 1793 01:38:25.319 --> 01:38:27.680 that so it can clean up a title. It's not 1794 01:38:27.800 --> 01:38:30.680 the greatest when it comes to estate planning at all. 1795 01:38:31.560 --> 01:38:35.239 You tend to ruin your basis and other reasons, and 1796 01:38:35.359 --> 01:38:37.560 you should talk to an estate planning attorney about that. 1797 01:38:38.520 --> 01:38:42.680 And it's not good for investments. People often invest in 1798 01:38:42.760 --> 01:38:46.560 quit claim deeds or and that's the worst thing you 1799 01:38:46.600 --> 01:38:48.800 can do because you don't even know what you're investing in. 1800 01:38:49.079 --> 01:38:51.880 You have no idea if it's the actual property itself 1801 01:38:52.199 --> 01:38:53.960 or something that someone claims to own. 1802 01:38:54.079 --> 01:38:55.680 Okay, well I'll use it. 1803 01:38:55.720 --> 01:38:58.239 What quick claim do you If there's a transfer within 1804 01:38:58.279 --> 01:39:01.520 a family, like someone transfers the house from their individual name, yeah, 1805 01:39:01.600 --> 01:39:03.600 to a trust, I think exactly no point in doing 1806 01:39:03.640 --> 01:39:04.439 a warranty deed for that. 1807 01:39:04.439 --> 01:39:06.840 That's right, that's right. Or you that's right if you're 1808 01:39:06.960 --> 01:39:10.680 transferring into a trust, or even from sibling to sibling 1809 01:39:10.720 --> 01:39:13.760 if you want, as long as you don't care about 1810 01:39:13.840 --> 01:39:17.079 the inheriting a basis at the date of death, then 1811 01:39:17.119 --> 01:39:20.600 it would be better to do a beneficiaries deed, which 1812 01:39:20.640 --> 01:39:25.520 is basically transfers to the other person on death right 1813 01:39:26.000 --> 01:39:29.520 and that person would inherit the basis. Anyway, we have 1814 01:39:29.600 --> 01:39:32.119 more coming up on the Troubleshooter Show. I will be 1815 01:39:32.239 --> 01:39:36.119 talking about this because I teased it, I talked about it, 1816 01:39:36.119 --> 01:39:39.359 and someone texted me about it. It's called the Beneficial 1817 01:39:40.159 --> 01:39:46.600 Ownership Information Report, and it's shortened to BOI and people 1818 01:39:46.760 --> 01:39:50.000 wondering what the hell is it. Well, it's mandatory, by 1819 01:39:50.039 --> 01:39:54.680 the way, and the first one ever is due January 1820 01:39:54.800 --> 01:39:59.920 twenty twenty five. If you were formed. This is entities 1821 01:40:00.159 --> 01:40:06.680 formed before January one, twenty twenty four. So if you 1822 01:40:06.800 --> 01:40:10.159 formed your business this year, you don't have to do it, 1823 01:40:12.479 --> 01:40:14.439 I believe, no, no, you do have to do it. 1824 01:40:14.479 --> 01:40:18.720 But if it was formed on or after January twenty fourth, 1825 01:40:19.439 --> 01:40:22.920 these entities are required to file it immediately. So you 1826 01:40:23.119 --> 01:40:26.920 already filed it supposedly. But let me just give you 1827 01:40:26.960 --> 01:40:30.840 the bottom line. If you have an LLC or a 1828 01:40:30.880 --> 01:40:37.119 corporation or a partnership, you must file a beneficial Ownership 1829 01:40:37.279 --> 01:40:40.840 Information report. Now a lot of people are thinking, oh 1830 01:40:40.840 --> 01:40:43.520 my god, what is this. In fact, there are services 1831 01:40:43.520 --> 01:40:45.880 out there offering to do it for five hundred dollars. 1832 01:40:46.239 --> 01:40:50.640 It took me literally five minutes or less for me 1833 01:40:50.760 --> 01:40:54.600 to do it for Troubleshooter Network, and of course I 1834 01:40:54.680 --> 01:40:56.960 had to do it for other companies I own as well. 1835 01:40:57.359 --> 01:40:59.399 But that's what you do. You do what's called a 1836 01:40:59.520 --> 01:41:05.520 b oh I beneficial ownership information And what the government 1837 01:41:05.640 --> 01:41:08.399 is trying to do is to keep track of those 1838 01:41:08.520 --> 01:41:14.560 people who own LLCs and corporations, not just they don't 1839 01:41:14.600 --> 01:41:18.680 want to know your registr agent and any shell corporations, right, 1840 01:41:18.840 --> 01:41:22.680 that's why they're asking for the actual owner who will benefit. 1841 01:41:23.119 --> 01:41:27.279 They want to get to the individuals. So what they 1842 01:41:27.399 --> 01:41:31.000 ask is very simple. They want to know your tax 1843 01:41:31.399 --> 01:41:36.680 payer identification number, the jurisdiction, the state and the country, 1844 01:41:36.800 --> 01:41:41.239 the address, the mailing address, the business. That's it. It's 1845 01:41:41.439 --> 01:41:44.920 so easy. That's it. Now, you upload a piece of 1846 01:41:45.000 --> 01:41:49.359 identification like a license or a passport or something, or 1847 01:41:49.399 --> 01:41:54.119 a government issued ID that it really can be done 1848 01:41:54.279 --> 01:41:58.680 online and it can be done in just five minutes 1849 01:41:58.920 --> 01:42:02.239 or less. Now. I know a lot of people they 1850 01:42:02.319 --> 01:42:05.640 hate doing anything the government asked for. But you know, 1851 01:42:05.680 --> 01:42:08.840 in Colorado, if you own a company, you have to 1852 01:42:08.920 --> 01:42:13.000 do a periodic report every single year. And I think 1853 01:42:13.039 --> 01:42:16.079 they pop you now for ten bucks on that, uh, 1854 01:42:16.680 --> 01:42:20.560 twenty five, what is it? Twenty five now for that recurring. 1855 01:42:20.319 --> 01:42:22.000 Just went up, oh the time first. 1856 01:42:22.479 --> 01:42:24.600 Yeah, and you can do that online. But these are 1857 01:42:24.640 --> 01:42:28.000 all just secret. There's no reason why would you have 1858 01:42:28.079 --> 01:42:30.159 to do that with the state. They could make it 1859 01:42:30.199 --> 01:42:33.159 with the state. So you simply file if you dissolve, 1860 01:42:33.239 --> 01:42:35.880 or simply if there's a change. There's no reason to 1861 01:42:35.960 --> 01:42:38.439 file every year like that. That's just a way to 1862 01:42:38.520 --> 01:42:42.960 get twenty five bucks from every single entity in the 1863 01:42:43.119 --> 01:42:46.680 entire state. We have more coming up on The Troubleshooter Show. 1864 01:42:47.079 --> 01:42:49.800 Three zero three seven one three talk seven one three 1865 01:42:49.920 --> 01:42:53.000 eight two five five. Stick around and Doug. We will 1866 01:42:53.039 --> 01:42:56.279 take your comment on quick claim deeds coming up. If 1867 01:42:56.319 --> 01:43:11.439 you want to hang on, go with a sure thing 1868 01:43:11.560 --> 01:43:14.359 Denver's Best roofer Excel Roofing dot com. 1869 01:43:14.399 --> 01:43:16.399 You don't pay a cent until you're content. 1870 01:43:18.000 --> 01:43:22.239 Please time for an insurance check up free, no obligation 1871 01:43:22.359 --> 01:43:26.239 comparison call Compass Insurance paying too much your coverage at 1872 01:43:26.279 --> 01:43:29.039 dozens of insurance companies find out now three oh three 1873 01:43:29.199 --> 01:43:31.760 seven seven to one help. You'll think you're his only 1874 01:43:31.880 --> 01:43:34.319 customer when you choose Frank durand the real estate Man 1875 01:43:34.359 --> 01:43:37.840 dot com to list your home with Remax Alliance. Three 1876 01:43:37.840 --> 01:43:39.920 oh three nine two zero sixteen twenty two. 1877 01:43:40.720 --> 01:43:49.600 Yeah, Rid, you need. 1878 01:43:49.439 --> 01:43:50.960 Advice so you don't have to. 1879 01:43:53.359 --> 01:43:55.399 Run ins as can. 1880 01:43:56.640 --> 01:43:57.960 Shoot 's gonna help. 1881 01:43:58.239 --> 01:44:01.000 Come man, This is. 1882 01:44:00.960 --> 01:44:02.279 The Troubleshooter Show. 1883 01:44:02.920 --> 01:44:08.000 No Tom Martino, Hi Tom Martino here, Welcome to the show. 1884 01:44:08.119 --> 01:44:10.439 Three all three seven one three talk seven one three 1885 01:44:10.479 --> 01:44:14.279 eight two five five. Brad O'Brien is with us today 1886 01:44:14.800 --> 01:44:18.560 with Olslaw dot com Real Estate Law three seven. He's 1887 01:44:18.560 --> 01:44:21.279 at seven two zero three seven zero seventy three eighty eight. 1888 01:44:21.359 --> 01:44:25.680 This hour brought to you by one Clear Choice Garage Doors. 1889 01:44:25.720 --> 01:44:28.960 If you want great garage door service, one clear Choice 1890 01:44:29.119 --> 01:44:32.159 Doors dot Com. We'll get it to you twenty four 1891 01:44:32.199 --> 01:44:34.399 to seven service. If you can't get your door closed, 1892 01:44:34.520 --> 01:44:36.159 if you want to do a new opener, a new 1893 01:44:36.199 --> 01:44:39.279 part of the door, any part, that's one Clear Choice 1894 01:44:39.439 --> 01:44:44.560 Doors dot Com. All right, Doug, you have a comment 1895 01:44:44.600 --> 01:44:46.640 on quick claim deeds. We were talking about quick claim 1896 01:44:46.680 --> 01:44:49.720 deeds and how they transfer whatever interest you have in 1897 01:44:49.800 --> 01:44:53.319 a property, but that can be no interest, so it's 1898 01:44:53.359 --> 01:44:56.640 not a pure form of ownership. It depends on the circumstances. 1899 01:44:57.000 --> 01:44:59.479 And also we talked about it not being great form 1900 01:44:59.600 --> 01:45:04.439 to transfer for estate planning. Go ahead, Doug, what's going on? 1901 01:45:05.840 --> 01:45:06.079 Yeah? 1902 01:45:06.159 --> 01:45:08.640 Tom, First, I want to say how thankful I am 1903 01:45:08.680 --> 01:45:11.920 for your programs. It's been over twenty five years. I 1904 01:45:12.000 --> 01:45:14.079 know that I've listened to you and I've learned. Thank 1905 01:45:14.119 --> 01:45:19.000 you so much, whether it's cars, roofs, plumbing, whatever. 1906 01:45:19.560 --> 01:45:20.039 Anyway. 1907 01:45:20.399 --> 01:45:21.520 My comment is. 1908 01:45:23.359 --> 01:45:26.880 I went through this. I signed with a divorce. 1909 01:45:27.000 --> 01:45:30.840 I signed a quick claim deed to my wife at 1910 01:45:30.840 --> 01:45:37.199 the time, and down the road she quit making payments. 1911 01:45:37.279 --> 01:45:40.399 Well, we're both on the loan, so that they don't 1912 01:45:40.439 --> 01:45:45.000 care they came after me, right, That's just something that 1913 01:45:45.079 --> 01:45:46.840 one needs to think about. 1914 01:45:46.600 --> 01:45:50.720 Right, A quick claim deed, a quit claim deed does 1915 01:45:50.760 --> 01:45:53.840 not relieve you of any of your responsibilities. 1916 01:45:54.840 --> 01:45:58.560 Great, Brad, Yeah, I should have made sure that the 1917 01:45:58.600 --> 01:45:59.640 loan was put in. 1918 01:45:59.680 --> 01:46:03.359 Her name, you know, right, And most people don't do 1919 01:46:03.439 --> 01:46:05.319 that on divorce. They don't do that at all. 1920 01:46:06.960 --> 01:46:09.960 No, it's such something you don't think about and then boom, 1921 01:46:10.119 --> 01:46:12.479 next thing, I know, they're trying to come after me. 1922 01:46:13.159 --> 01:46:15.560 So I just thought that was just a little bit 1923 01:46:15.680 --> 01:46:19.640 because I'm sure people go through divorces and quit claim deed. 1924 01:46:20.319 --> 01:46:23.399 Right, And that's and I appreciate you saying that so 1925 01:46:23.640 --> 01:46:27.439 and thank you so that that's really another thing when 1926 01:46:27.479 --> 01:46:29.760 you when you sign a quick claim deed, you're not 1927 01:46:29.800 --> 01:46:32.520 giving away any liability. You're just giving away any interest 1928 01:46:32.560 --> 01:46:36.239 you have, which is the worst possible scenario you could do. Right, 1929 01:46:37.520 --> 01:46:40.079 let's talk to Margaret. Margaret, what's going on with you? 1930 01:46:41.039 --> 01:46:44.239 Well, I my situation is similar to the last caller 1931 01:46:46.439 --> 01:46:50.880 I my husband did a quick claim deed to put 1932 01:46:51.079 --> 01:46:58.039 my house on quitment in my name, okay. However I 1933 01:46:58.079 --> 01:47:03.439 wanted to change it to my maiden Okay. I sent 1934 01:47:03.560 --> 01:47:07.640 the paperwork down to the city. The city processed it. 1935 01:47:08.800 --> 01:47:11.520 I looked, and it's still under my married name. 1936 01:47:11.960 --> 01:47:14.720 Okay. Let me let me ask you something. Your husband, 1937 01:47:15.279 --> 01:47:19.720 your ex husband, de did it over to you. Yes, 1938 01:47:20.239 --> 01:47:23.119 and at the time he d did it to your 1939 01:47:23.159 --> 01:47:28.600 maiden name or to your regular marriage married name. Okay. Then, Brad, 1940 01:47:28.920 --> 01:47:31.640 the process I think would be quite simple. She would 1941 01:47:31.680 --> 01:47:35.439 then fill out a quit claim deed from herself to herself, right, 1942 01:47:35.760 --> 01:47:38.840 that's right, and changed the name in doing. 1943 01:47:38.640 --> 01:47:41.079 So, which I did, okay. 1944 01:47:41.239 --> 01:47:44.279 And then you did you record the quit claim deed? 1945 01:47:45.159 --> 01:47:46.640 Well, it was going to be. 1946 01:47:47.319 --> 01:47:50.239 Well, that's why okay. Hold on, When did you send 1947 01:47:50.239 --> 01:47:55.319 it to the county to be recorded, well, roughly. 1948 01:47:55.239 --> 01:47:57.600 Roughly about October? 1949 01:47:58.560 --> 01:48:00.279 And did you include a fee? 1950 01:48:02.760 --> 01:48:05.119 I don't know what that is tom money. 1951 01:48:05.760 --> 01:48:06.600 Did you pay it? 1952 01:48:07.079 --> 01:48:07.720 Yea, I did? 1953 01:48:08.159 --> 01:48:09.920 How did you know how much to pay? How did 1954 01:48:09.960 --> 01:48:11.000 you do this by mail? 1955 01:48:11.600 --> 01:48:14.159 I looked it up on okay. 1956 01:48:13.880 --> 01:48:18.760 And you literally mailed in the quit claim deed I did. Okay, 1957 01:48:19.560 --> 01:48:22.800 it's probably they didn't get to it yet. It can 1958 01:48:22.840 --> 01:48:24.479 take sixty ninety days. 1959 01:48:25.039 --> 01:48:28.439 Well, my question is they sent it back. 1960 01:48:29.119 --> 01:48:30.680 Oh well you didn't say that part. 1961 01:48:31.239 --> 01:48:32.000 Well I'm sorry. 1962 01:48:32.960 --> 01:48:37.760 Why did they send it back in witness whereof h 1963 01:48:37.840 --> 01:48:45.359 Apparently I was supposed to say my married name and 1964 01:48:45.399 --> 01:48:49.119 then my maiden name. Does that matter? 1965 01:48:49.920 --> 01:48:53.760 Of course it does? See? Well, who's ever home it's 1966 01:48:53.800 --> 01:48:59.439 in right now? Okay? Mary Smith is your married name, 1967 01:48:59.520 --> 01:49:03.760 let's say, and Mary Jones is your maiden name. So 1968 01:49:04.239 --> 01:49:07.359 if your husband left it to Mary Smith, mary Smith 1969 01:49:07.600 --> 01:49:11.760 is the legal owner. Mary Smith now has to make 1970 01:49:11.800 --> 01:49:15.920 out a quick claim deed to Mary Jones. And it 1971 01:49:16.000 --> 01:49:19.760 does matter where the name goes, because the grand tour 1972 01:49:20.600 --> 01:49:26.039 is Mary Smith and the grantee is Mary Jones. 1973 01:49:27.399 --> 01:49:29.319 So I'll need to redo this whole thing. 1974 01:49:29.960 --> 01:49:32.680 It's not a big deal. It takes three seconds, I mean, right, 1975 01:49:32.800 --> 01:49:33.840 I know that it. 1976 01:49:33.880 --> 01:49:36.119 Takes thirteen dollars each time you file it. 1977 01:49:37.319 --> 01:49:39.760 Well, hold on, if they didn't file it the recorded, 1978 01:49:40.520 --> 01:49:41.600 they shouldn't charge you. 1979 01:49:42.399 --> 01:49:44.960 Well I hope not. Okay, No, I mean, I. 1980 01:49:44.880 --> 01:49:47.760 Mean that check shouldn't have been cleared. If they didn't. 1981 01:49:47.760 --> 01:49:49.720 They usually send the check back with the deed if 1982 01:49:49.760 --> 01:49:55.279 they didn't file it. Okay, yeah, no, Margaret, you're on 1983 01:49:55.319 --> 01:49:55.960 the right track. 1984 01:49:56.359 --> 01:49:58.520 Okay, great, thank you so much for your time. 1985 01:49:58.880 --> 01:50:04.600 No problem, Margaret, Okay, let's talk to Mike. Mike, what's 1986 01:50:04.640 --> 01:50:05.000 going on? 1987 01:50:07.560 --> 01:50:08.479 Hey, Tom? 1988 01:50:09.560 --> 01:50:10.279 Simple question. 1989 01:50:10.640 --> 01:50:15.479 I have Liberty Health Shares for my health insurance. 1990 01:50:15.039 --> 01:50:15.439 And. 1991 01:50:18.720 --> 01:50:22.239 The doctor's office that we use refuses to give us 1992 01:50:22.239 --> 01:50:26.920 a receipt for the cash payment services. 1993 01:50:26.840 --> 01:50:30.359 With coding onage. Are they required to provide that? 1994 01:50:30.439 --> 01:50:31.239 As for questioned? 1995 01:50:31.560 --> 01:50:34.840 You know, I actually don't know that if they're required technically, 1996 01:50:34.880 --> 01:50:37.119 but why the hell wouldn't they? I mean, I don't 1997 01:50:37.159 --> 01:50:39.600 even understand that, I know. So what you're trying to 1998 01:50:39.600 --> 01:50:41.640 do is take that receipt and send it in to 1999 01:50:41.720 --> 01:50:42.760 get shared. 2000 01:50:42.479 --> 01:50:45.159 Right, right, correct? 2001 01:50:45.239 --> 01:50:50.520 And they're refusing because they're claiming that we're double dipping, 2002 01:50:50.560 --> 01:50:51.840 which I don't understand what that. 2003 01:50:51.960 --> 01:50:53.960 Well, first of all, what do they what do they 2004 01:50:54.000 --> 01:50:56.520 mean by that? And it's none of their business if 2005 01:50:56.560 --> 01:50:59.840 you made payment, I know, if you made payment for 2006 01:51:00.199 --> 01:51:03.840 a service and you want a receipt for the service 2007 01:51:04.119 --> 01:51:08.359 along with the with the the code. What I don't 2008 01:51:08.359 --> 01:51:10.560 even understand what they mean? What do they mean you're 2009 01:51:10.600 --> 01:51:13.359 double dipping? What exactly do they mean? Did you ask 2010 01:51:13.399 --> 01:51:14.239 them that. 2011 01:51:15.399 --> 01:51:17.960 My wife was handling this and that's all that they said, So. 2012 01:51:17.960 --> 01:51:21.960 I just well, hold on, hold on. Then that the 2013 01:51:22.000 --> 01:51:25.399 doctor's office. There are a bunch of morons. First of all, 2014 01:51:25.479 --> 01:51:28.520 they shouldn't even be concerned if you're committing insurance fraud. 2015 01:51:29.079 --> 01:51:31.359 What I mean by that is this, as long as 2016 01:51:31.359 --> 01:51:34.720 they're not doing it. If you took a receipt and 2017 01:51:34.760 --> 01:51:38.520 you submitted it to three different insurance companies and got 2018 01:51:38.560 --> 01:51:42.640 triple reimbursed, that's none of their business. I mean, you're 2019 01:51:42.680 --> 01:51:45.760 committing fraud, but it's none of their business. All you 2020 01:51:45.880 --> 01:51:48.000 want is a freaking receipt. 2021 01:51:48.560 --> 01:51:51.079 Just tell them you're going to contact Dora and see 2022 01:51:51.159 --> 01:51:53.960 and they'll probably uh capitulate. 2023 01:51:54.920 --> 01:51:55.279 Listen. 2024 01:51:55.359 --> 01:51:59.079 I don't understand, Mike. It just doesn't make sense. You 2025 01:51:59.119 --> 01:52:00.520 pay cash for your service. 2026 01:52:01.760 --> 01:52:03.439 All right, I have one more question for you. 2027 01:52:03.840 --> 01:52:05.960 I have a friend that was involved in a head 2028 01:52:06.000 --> 01:52:09.159 on collision. He was a over the road truck driver. 2029 01:52:09.720 --> 01:52:11.880 It was the middle of the night, it was not 2030 01:52:12.000 --> 01:52:16.319 his fault. He was severely traumatized by it. The person 2031 01:52:16.560 --> 01:52:18.479 in the other lane just crossed. 2032 01:52:18.359 --> 01:52:20.119 Lanes and just slammed right into him. 2033 01:52:20.960 --> 01:52:24.199 He quit his job and is basically suffering from like 2034 01:52:24.439 --> 01:52:29.359 post traumatic stress syndrome. Whatever, can you file for workman's 2035 01:52:29.359 --> 01:52:32.960 comp for that? He was not injured, it's just mentally distressing. 2036 01:52:33.039 --> 01:52:40.159 And was he on the job. Yes, I don't know 2037 01:52:40.239 --> 01:52:43.640 if they consider that a work related injury. If he 2038 01:52:44.079 --> 01:52:46.920 was traumatized by another driver, I don't really know the 2039 01:52:46.960 --> 01:52:47.640 answer to that. 2040 01:52:47.800 --> 01:52:49.800 But yeah, he was leaking on the road with this 2041 01:52:49.840 --> 01:52:52.000 dead person for almost an hour. 2042 01:52:52.039 --> 01:52:55.359 But tom all they can really say no, right, I'll 2043 01:52:55.359 --> 01:52:57.600 tell you what. Let's get our workers' comp guy on. 2044 01:52:57.720 --> 01:53:00.399 Hold on, let's try to get our workers comp guy on. 2045 01:53:00.920 --> 01:53:03.680 You deserve a good answer. Hold on. You know who 2046 01:53:03.720 --> 01:53:11.159 we're going to use Kachina. Let's uh, we have we 2047 01:53:11.279 --> 01:53:15.880 have some really good people workers compensation. Cliff Enton. Okay, 2048 01:53:16.840 --> 01:53:19.960 try to get Enton law Cliff Enton on to answer 2049 01:53:20.000 --> 01:53:23.479 that quick question if we can. All right, thank you, 2050 01:53:23.600 --> 01:53:25.680 three oh three seven to one three talk seven one 2051 01:53:25.760 --> 01:53:31.079 three eight two five five. Remember, a free review of 2052 01:53:31.119 --> 01:53:34.880 your investment portfolio or your so called the advisor is 2053 01:53:35.720 --> 01:53:38.319 something you really need to do. Now here's what I'm 2054 01:53:38.319 --> 01:53:41.399 going to tell you. If I find in our firm, 2055 01:53:41.479 --> 01:53:45.239 finds that you have a solid plan in place and 2056 01:53:45.319 --> 01:53:48.800 people taking care of you, we would be crazy to 2057 01:53:48.920 --> 01:53:52.840 advise otherwise, but most of the time, unfortunately, and then 2058 01:53:53.199 --> 01:53:57.720 this industry you have people masquerading as advisors working with 2059 01:53:57.840 --> 01:54:03.680 larger firms, and you in with crowds of people that 2060 01:54:03.760 --> 01:54:07.039 have nothing in common. So if you want a free review, 2061 01:54:07.079 --> 01:54:12.960 if you want to look on income security equities, bonds, anything, 2062 01:54:13.800 --> 01:54:15.920 please feel free to call us at three oh three 2063 01:54:16.079 --> 01:54:19.920 seven seven one help seven seven one four three five seven. 2064 01:54:20.319 --> 01:54:23.000 We've had tons of results and people are very happy 2065 01:54:23.039 --> 01:54:27.239 with the information, whether you use us or not. Wave 2066 01:54:27.439 --> 01:54:38.359 eight Capital dot Com. Wave Eightcapital dot Com go with 2067 01:54:38.439 --> 01:54:42.039 a sure thing Denver's best roofer Excel Roofing dot Com. 2068 01:54:42.079 --> 01:54:47.800 You don't pay a cent until you're content. Time for 2069 01:54:47.840 --> 01:54:51.000 an insurance check up free, no obligation. In comparison, call 2070 01:54:51.119 --> 01:54:54.439 Compass Insurance paying too much your coverage at dozens of 2071 01:54:54.439 --> 01:54:57.399 insurance companies find out now three oh three seven seven 2072 01:54:57.439 --> 01:55:00.199 to one help. You'll think you're his only customer when 2073 01:55:00.239 --> 01:55:02.680 you choose Frank durand the real estate Man dot com 2074 01:55:02.720 --> 01:55:05.840 to list your home with Remax Alliance three all three 2075 01:55:05.920 --> 01:55:11.640 nine two zero sixteen twenty two. Hey Tom Martine, you're 2076 01:55:11.720 --> 01:55:14.239 troubleshooter three all three seven one three talk seven one 2077 01:55:14.279 --> 01:55:17.000 three two five five. Let's go right to uh uh 2078 01:55:17.319 --> 01:55:19.279 Mike has a medical was it a Mike has a 2079 01:55:19.279 --> 01:55:22.840 medical question? Liberty Health Share? So oh wait a minute, yeah, yeah, 2080 01:55:23.199 --> 01:55:26.920 what did we conclude on that? I mean, Mike? They 2081 01:55:27.560 --> 01:55:29.920 then you had another question. Let's take your other What 2082 01:55:30.159 --> 01:55:31.239 was your other question again? 2083 01:55:32.520 --> 01:55:36.039 Is he still there about his getty workman's comp. 2084 01:55:35.840 --> 01:55:39.399 Tom, Okay, we do have Oh no, I thought we 2085 01:55:39.439 --> 01:55:41.560 had our attorney on hold on. We're gonna try to 2086 01:55:41.560 --> 01:55:43.800 get him on. I'll go right back to you. Thank you, sir. 2087 01:55:44.720 --> 01:55:47.520 Gif Can you try to find cliff Enton if you can. 2088 01:55:47.600 --> 01:55:48.239 He's working on it. 2089 01:55:48.560 --> 01:55:51.119 Okay, thanks, thank you, thank you. Okay, then I'll go 2090 01:55:51.159 --> 01:55:53.840 to uh Andy Andy go ahead. You have a question 2091 01:55:53.920 --> 01:55:56.680 on a question on quit claimdeed, and we have, of 2092 01:55:56.720 --> 01:55:59.119 course Brad O'Brien with us. Go ahead. 2093 01:56:01.119 --> 01:56:04.880 Oh yes, sir, try to make this quick. My wife 2094 01:56:05.079 --> 01:56:09.239 myself got divorced in the twenty twenty. I signed it 2095 01:56:09.399 --> 01:56:13.479 quit claim deed so she could refinance. So she was 2096 01:56:13.520 --> 01:56:15.039 in the middle of refinance. Looked like it was going 2097 01:56:15.079 --> 01:56:19.560 to happen. She was worried with several companies or whatnot. Nevertheless, 2098 01:56:19.680 --> 01:56:20.520 I signed the deed. 2099 01:56:21.039 --> 01:56:21.680 I don't know. 2100 01:56:22.359 --> 01:56:25.600 She never did refinance, so just didn't happen. 2101 01:56:25.399 --> 01:56:28.199 And just follow Oh well you're on the hook. 2102 01:56:28.239 --> 01:56:33.479 Bro Oh, everything's good, amicable, but just wondering. Well, for 2103 01:56:33.479 --> 01:56:35.319 a while, I'm not even sure if it got filed 2104 01:56:35.319 --> 01:56:37.760 properly because she was dealing with this mortgage, so I 2105 01:56:37.760 --> 01:56:39.359 was wondering if I could figure out. 2106 01:56:39.239 --> 01:56:42.319 That and then number ko, how long ago was it? 2107 01:56:42.479 --> 01:56:43.479 How long ago was. 2108 01:56:43.479 --> 01:56:46.720 This didn't pay? Which will never happen, but I think could. 2109 01:56:46.520 --> 01:56:48.159 I somehow own the house? 2110 01:56:48.239 --> 01:56:48.399 Then? 2111 01:56:48.920 --> 01:56:50.000 Now? 2112 01:56:50.199 --> 01:56:55.319 How old was this mortgage? So no, no I know her. 2113 01:56:55.399 --> 01:56:57.760 What if something crazy happened, like she was to pass away, 2114 01:56:57.760 --> 01:56:59.760 what would happen then? So anyway, that's a lot, I know, 2115 01:57:00.039 --> 01:57:01.640 but appreciate this. Get help me on that. 2116 01:57:02.399 --> 01:57:10.359 Andy, When were you divorced? Is there a problem? 2117 01:57:11.439 --> 01:57:11.680 Sorry? 2118 01:57:12.359 --> 01:57:13.680 Is there a problem with people? 2119 01:57:13.760 --> 01:57:14.159 Andy? 2120 01:57:14.439 --> 01:57:16.239 When were you divorced? 2121 01:57:19.000 --> 01:57:20.920 I'm with you now, I lost you for one second. 2122 01:57:20.920 --> 01:57:21.840 I know you're on live radio. 2123 01:57:21.880 --> 01:57:22.760 I apologize. 2124 01:57:23.800 --> 01:57:25.239 When were you divorced? 2125 01:57:26.279 --> 01:57:27.960 So into twenty twenty? 2126 01:57:28.640 --> 01:57:33.600 Okay? And you did a quit claim deed only, but 2127 01:57:33.760 --> 01:57:37.880 she never refinanced the house. So here's the here's the 2128 01:57:37.960 --> 01:57:43.399 mean streets. If she stops paying. You're screwed and and 2129 01:57:43.479 --> 01:57:46.319 you don't have Brad, does he have a legal right 2130 01:57:46.359 --> 01:57:48.960 to step in and redeem and get the house from 2131 01:57:49.000 --> 01:57:53.680 her if she stopped paying? Go ahead? 2132 01:57:53.920 --> 01:57:56.279 No, But it was there a divorce decree that provided 2133 01:57:56.279 --> 01:57:58.319 that she had to do something with the house, like refinance. 2134 01:57:58.359 --> 01:57:59.359 It wouldn't have gotten her name. 2135 01:58:00.319 --> 01:58:02.760 No, there was no decree. We were all very amical 2136 01:58:02.800 --> 01:58:04.640 about it. We kind of did it on ourselves. It's 2137 01:58:04.680 --> 01:58:05.439 in some account he. 2138 01:58:05.439 --> 01:58:07.239 Was easy, all right, So what's the bottom. 2139 01:58:07.000 --> 01:58:08.439 Line at all? 2140 01:58:08.479 --> 01:58:09.720 That no lawyers or anything. 2141 01:58:10.359 --> 01:58:12.039 So, no, she's not required refinance. 2142 01:58:12.880 --> 01:58:15.479 Okay, she's not, But what if you could. 2143 01:58:15.279 --> 01:58:17.079 Have put that in the deport I. 2144 01:58:17.000 --> 01:58:19.760 Understand she's not required to. What I'm asking is, what 2145 01:58:19.800 --> 01:58:22.720 if she stops paying, he's on the hook too. 2146 01:58:22.560 --> 01:58:24.239 Well, and he is no longer a property owner. 2147 01:58:24.319 --> 01:58:26.279 He just is on the debt, but he still has 2148 01:58:26.319 --> 01:58:26.680 to pay. 2149 01:58:26.800 --> 01:58:27.199 That's right. 2150 01:58:27.640 --> 01:58:30.720 Yeah, but you have no right to the house. The 2151 01:58:30.760 --> 01:58:35.319 worst of all possible scenarios. Okay, if she passes away. 2152 01:58:35.840 --> 01:58:39.079 If she passes away, you have no right to the house. 2153 01:58:40.119 --> 01:58:43.560 But I still owe the that's right, that's right, you do. 2154 01:58:44.680 --> 01:58:45.640 That's very interesting. 2155 01:58:46.079 --> 01:58:48.960 That's because it was all amicable and you can you 2156 01:58:49.000 --> 01:58:53.039 can substitute that Amica Bull doesn't equal smart. 2157 01:58:54.199 --> 01:58:56.399 Yeah, I understand that I don't feel too smart right now, 2158 01:58:56.439 --> 01:58:58.760 but that's fine. I feel like everything's just gonna work out. 2159 01:58:58.840 --> 01:59:03.039 Well, well, I don't hope everything just works out. Get 2160 01:59:03.039 --> 01:59:06.960 a beneficiaries deed at least that will put the house 2161 01:59:07.039 --> 01:59:10.960 back to you if she dies, Andy, you need. 2162 01:59:10.760 --> 01:59:13.920 To check to see if she properly recorded the quick claim. 2163 01:59:14.000 --> 01:59:15.479 She may not have recorded it. 2164 01:59:16.479 --> 01:59:19.279 So that was my other question. And how easily has 2165 01:59:19.359 --> 01:59:21.279 that done by me? Just to go to the county 2166 01:59:21.359 --> 01:59:22.560 and how should I. 2167 01:59:22.479 --> 01:59:23.079 Go with that? 2168 01:59:24.119 --> 01:59:26.640 If it's so easy to check, you can check online 2169 01:59:26.720 --> 01:59:29.960 or you can check with a title company, do an 2170 01:59:30.039 --> 01:59:32.479 o any on the property. It shows a list of 2171 01:59:32.600 --> 01:59:34.680 ownerships and encumbrances. 2172 01:59:36.239 --> 01:59:38.840 Okay, yep, very good, that makes sense. Yeah, that was 2173 01:59:38.880 --> 01:59:40.359 one of my first things that I mentioned that I'm 2174 01:59:40.359 --> 01:59:42.079 not even sure one hundred percent I think I filed 2175 01:59:42.119 --> 01:59:44.239 properly because it was through some mortgage company and this 2176 01:59:44.279 --> 01:59:47.119 and that. So they ever actually file it or did 2177 01:59:47.119 --> 01:59:50.479 they wait until you know, actually got no? 2178 01:59:50.520 --> 01:59:53.079 I understand, Andy. You can always call us back if 2179 01:59:53.079 --> 01:59:55.840 you need help, and of course you can call Brad 2180 01:59:55.880 --> 02:00:01.000 O'Brien directly seven to zero three seven zero seventy three 2181 02:00:01.079 --> 02:00:04.720 eighty eight. Look for olslaw dot com. Hey Bill, you 2182 02:00:04.760 --> 02:00:07.520 have a question about an inheritance. What's going on? Bill? 2183 02:00:08.319 --> 02:00:11.960 Yes, he is there a number that I could. 2184 02:00:13.560 --> 02:00:14.760 Gift money to my. 2185 02:00:14.840 --> 02:00:18.680 Kids the hold for me so that like in case 2186 02:00:18.760 --> 02:00:21.079 I die, they don't have to pay income tax on it. 2187 02:00:21.520 --> 02:00:23.680 Okay. First of all, let me explain a few things 2188 02:00:23.680 --> 02:00:28.920 to you. Okay, Bro, forget your kids, you can gift 2189 02:00:28.920 --> 02:00:31.000 it to me, okay, and I'll pay all the tax. 2190 02:00:31.000 --> 02:00:34.640 Don't worry about it. Well in return, Bill, Bill, hold on, 2191 02:00:35.000 --> 02:00:37.279 let me tell you the truth. There is no income 2192 02:00:37.319 --> 02:00:41.479 tax on inheritances. Okay, so you don't have to worry 2193 02:00:41.479 --> 02:00:44.000 about it, so you can do it in a number 2194 02:00:44.039 --> 02:00:48.079 of ways. You can gift them whatever amount you want, 2195 02:00:48.560 --> 02:00:51.840 and there's no inheritance tax. And there, excuse me, there 2196 02:00:51.920 --> 02:00:55.920 is an inheritance tax over sixteen something million. Okay. I 2197 02:00:55.920 --> 02:00:57.680 don't think you have to worry about that right now, 2198 02:00:58.079 --> 02:01:01.600 but you can up to sixteen million. You can gift 2199 02:01:01.720 --> 02:01:05.720 anyone at any time, not just your kids, and it 2200 02:01:05.800 --> 02:01:08.920 doesn't have to be fourteen thousand or sixteen thousand. That's 2201 02:01:08.920 --> 02:01:12.840 a misnomer you can, or a misunderstanding you can. You 2202 02:01:12.880 --> 02:01:16.000 can gift whatever amount you want up to your lifetime limit, 2203 02:01:16.359 --> 02:01:18.880 and they will never have to pay tax on it. Okay. 2204 02:01:19.520 --> 02:01:23.199 It's that simple. So if you want to leave your 2205 02:01:23.279 --> 02:01:26.079 kids money, you can. They'll never have to pay any 2206 02:01:26.119 --> 02:01:29.159 tax on it. If you want to leave them, if 2207 02:01:29.239 --> 02:01:31.119 you want to give it to them now, you can 2208 02:01:31.159 --> 02:01:32.720 give it to them now and they don't have to 2209 02:01:32.760 --> 02:01:37.000 pay tax on it. The misunderstanding comes when people believe 2210 02:01:37.560 --> 02:01:40.720 they have to limit their gifts to sixteen thousand dollars. 2211 02:01:40.880 --> 02:01:44.880 They don't, Okay. The only thing that happens if you 2212 02:01:44.960 --> 02:01:49.239 give a gift above sixteen thousand dollars to someone is 2213 02:01:49.239 --> 02:01:55.560 that the amount above that goes against your lifetime exemption. 2214 02:01:56.560 --> 02:01:57.479 That's all it means. 2215 02:01:57.960 --> 02:01:59.960 Okay, So okay, thanks. 2216 02:02:00.520 --> 02:02:03.000 There's also one other thing. I'll let you go, Bill, 2217 02:02:03.039 --> 02:02:05.439 but I'm going to say this for everyone listening. And 2218 02:02:05.520 --> 02:02:09.439 the one other thing is this, if taxes have not 2219 02:02:09.520 --> 02:02:14.840 been paid on an inheritance and are due, then your 2220 02:02:15.600 --> 02:02:18.479 heirs have to pay the tax. In other words, if 2221 02:02:18.520 --> 02:02:22.680 you have a qualified plan and you leave it to 2222 02:02:22.760 --> 02:02:27.239 someone and taxes they were all tax deferred, they don't 2223 02:02:27.359 --> 02:02:30.239 have to pay tax on the principle, but they do 2224 02:02:30.319 --> 02:02:32.640 have to pay income tax as they pull it out 2225 02:02:32.640 --> 02:02:36.960 because taxes were never paid. Okay, So it's kind of weird, 2226 02:02:37.000 --> 02:02:39.960 but that's the way it is. Or if you had 2227 02:02:40.239 --> 02:02:45.920 any kind of untaxed or tax deferred item where tax 2228 02:02:46.319 --> 02:02:51.239 should have been paid, then your heirs may have to 2229 02:02:51.239 --> 02:02:56.640 pay those taxes. That's the only time that happens. Okay. So, 2230 02:02:56.760 --> 02:03:01.159 but it's not it's not an income tax speak and 2231 02:03:01.199 --> 02:03:04.760 it's not an inheritance tax. We have more coming up 2232 02:03:04.840 --> 02:03:12.840 on the Troubleshooter Show. Go with a sure Thing Denver's 2233 02:03:12.880 --> 02:03:15.159 Best Roofer Excel Roofing dot com. 2234 02:03:15.199 --> 02:03:17.239 You don't pay a cent until you're content. 2235 02:03:20.600 --> 02:03:24.159 Time for an insurance checkup free no obligation comparison call 2236 02:03:24.239 --> 02:03:27.560 Compass Insurance paying too much your coverage at dozens of 2237 02:03:27.600 --> 02:03:30.560 insurance companies find out now three all three seven seven 2238 02:03:30.560 --> 02:03:33.319 to one help. You'll think you're his only customer when 2239 02:03:33.359 --> 02:03:35.840 you choose Frank durand the real estate Man dot com 2240 02:03:35.880 --> 02:03:39.000 to list your home with Remax Alliance three all three 2241 02:03:39.079 --> 02:03:45.199 nine two zero sixteen twenty two. Hi Tom Martine here 2242 02:03:45.239 --> 02:03:47.600 three O three seven on three talks seven one three 2243 02:03:47.680 --> 02:03:50.960 eight two five five. Do we have Clifton cliff Enton 2244 02:03:51.079 --> 02:03:55.279 up right now? All right, Cliff, welcome, ent in law. 2245 02:03:55.399 --> 02:03:57.640 We love Cliff. Hey man, I haven't talked to you 2246 02:03:57.640 --> 02:03:59.279 in a while, and I want to talk to you 2247 02:03:59.279 --> 02:04:03.640 about a worker's And it's a quite simple case. A 2248 02:04:03.680 --> 02:04:07.239 guy says that he was in or his friend but 2249 02:04:07.439 --> 02:04:10.800 was in an accident and wasn't injured. He was on 2250 02:04:11.399 --> 02:04:15.000 the job and he was injured in a car accident 2251 02:04:15.079 --> 02:04:22.960 while on the job and he did not get physically injured, 2252 02:04:23.439 --> 02:04:27.319 but the car swerved hit him head on or something, 2253 02:04:27.439 --> 02:04:33.199 and he really now has a post traumatic stress he's saying, 2254 02:04:33.560 --> 02:04:36.720 and it's really affecting him on the road and he 2255 02:04:36.760 --> 02:04:40.159 can't do the driving and blah blah blah. Is there 2256 02:04:40.319 --> 02:04:43.640 any kind of workers comp for that kind of injury? 2257 02:04:45.479 --> 02:04:50.159 Yeah, if he can prove the PTSD and it's related 2258 02:04:50.199 --> 02:04:54.600 to this, it would be a stress claim and you know, 2259 02:04:54.720 --> 02:04:56.479 he would be able to get benefits, to be able 2260 02:04:56.520 --> 02:05:00.079 to get medical care, might be able to get and 2261 02:05:00.199 --> 02:05:03.159 impairment rating. If you got a mental impairment rating up 2262 02:05:03.199 --> 02:05:05.880 to thirty six weeks of temporary total disability. 2263 02:05:07.359 --> 02:05:10.399 Okay, if you are in a car accident and you're 2264 02:05:10.439 --> 02:05:13.920 on the job, is it always covered, I mean car 2265 02:05:13.960 --> 02:05:16.239 accident in general, if you're on the job. 2266 02:05:16.399 --> 02:05:18.600 Yeah, if you're driving in the course and scope of 2267 02:05:18.600 --> 02:05:21.319 your employment, it's a compensible injury. 2268 02:05:22.399 --> 02:05:25.239 Whether it's your vehicle or their vehicle, does it matter. 2269 02:05:25.479 --> 02:05:28.279 Absolutely, doesn't make any difference at all. And you might 2270 02:05:28.279 --> 02:05:31.159 have a third party claim against a person that hit 2271 02:05:31.239 --> 02:05:33.720 you if it's a two. If it's a multi car 2272 02:05:34.359 --> 02:05:37.039 accident where somebody who were ends you, for instance, or 2273 02:05:37.039 --> 02:05:39.520 a t bone or their fault, then you would not 2274 02:05:39.560 --> 02:05:41.439 only have a word comp case, but you'd have the 2275 02:05:41.439 --> 02:05:43.760 ability to make an auto accident claim as well. And 2276 02:05:43.800 --> 02:05:45.159 we do both of course. 2277 02:05:45.800 --> 02:05:51.000 Right of course. Okay, and what number do you prefer 2278 02:05:51.079 --> 02:05:53.079 people call you about this stuff? Cliff? 2279 02:05:53.880 --> 02:05:57.840 Uh three to zho three three three three two two 2280 02:05:57.920 --> 02:05:58.319 two two. 2281 02:05:58.960 --> 02:06:01.119 Yeah. I was wondering about that number. It's such a 2282 02:06:01.159 --> 02:06:04.600 great number, and I know that she wrote it down here, 2283 02:06:04.640 --> 02:06:07.479 and I wanted to tell people that Cliff's been with 2284 02:06:07.560 --> 02:06:09.560 us a long time on the referral list. It's three 2285 02:06:09.640 --> 02:06:14.039 oh three three three three two two two two. Cliff, 2286 02:06:14.079 --> 02:06:17.119 thanks a lot for that quick opinion. We really appreciate it. Okay, 2287 02:06:18.000 --> 02:06:20.880 And now Mike did we cover that or do you 2288 02:06:20.920 --> 02:06:23.560 have any other issues with it? Did I ask you 2289 02:06:23.640 --> 02:06:24.359 the right question? 2290 02:06:24.800 --> 02:06:25.039 That was? 2291 02:06:25.800 --> 02:06:27.279 That was a great That was a good answer. 2292 02:06:27.319 --> 02:06:29.159 I was just curious on his ask. 2293 02:06:29.399 --> 02:06:30.479 I have one more. 2294 02:06:30.359 --> 02:06:31.760 Question not related to that. 2295 02:06:32.279 --> 02:06:33.479 It's okay, pretty simple. 2296 02:06:34.199 --> 02:06:37.520 Does a person have the ability to get blood work 2297 02:06:38.039 --> 02:06:40.119 without their. 2298 02:06:40.039 --> 02:06:41.399 Name attached to a beating? 2299 02:06:42.880 --> 02:06:44.279 I want I don't want. 2300 02:06:44.840 --> 02:06:46.880 A doctor to know my my results. 2301 02:06:46.920 --> 02:06:49.079 I don't want the government to know my results. 2302 02:06:49.199 --> 02:06:52.319 Can a person Yes, Yes, you can go get blood 2303 02:06:52.319 --> 02:06:53.600 work done anytime you want. 2304 02:06:55.199 --> 02:06:55.560 Would you? 2305 02:06:55.840 --> 02:06:58.319 I see you put your name on the label when 2306 02:06:58.359 --> 02:06:59.279 they say well no. 2307 02:06:59.119 --> 02:07:00.920 No, no, you're You're name is gonna go on it 2308 02:07:00.920 --> 02:07:02.640 whether you like it or not. Now you can use 2309 02:07:02.680 --> 02:07:04.479 Mickey Mouse if you want. I guess, I don't know. 2310 02:07:04.800 --> 02:07:06.960 I mean, but here's the deal. If you're not looking 2311 02:07:06.960 --> 02:07:10.039 for insurance reimbursement, and if you're not looking for a 2312 02:07:10.119 --> 02:07:13.600 doctor's opinion, and you you can go there used to 2313 02:07:13.680 --> 02:07:16.680 be a lab called any Lab Test now or something. 2314 02:07:16.960 --> 02:07:19.680 I mean, there are labs that that you can just 2315 02:07:19.760 --> 02:07:22.760 buy blood work and have the results sent to yourself. 2316 02:07:24.439 --> 02:07:26.479 Okay, I'm just curious because, like I said, you know 2317 02:07:26.840 --> 02:07:28.439 this day and age, you know is. 2318 02:07:28.399 --> 02:07:30.920 There a way to like because like what if what 2319 02:07:30.960 --> 02:07:31.239 if it. 2320 02:07:31.239 --> 02:07:34.439 Came back with let's just say AIDS, right and the test. 2321 02:07:34.319 --> 02:07:37.399 Was sold, right, you know, does the government have the 2322 02:07:37.520 --> 02:07:42.319 right to be notified that that person was uh an AIDS. 2323 02:07:43.399 --> 02:07:47.520 Actually, I don't know of any mandatory reporting at all 2324 02:07:47.560 --> 02:07:50.399 about anything. In fact, back when you when they were 2325 02:07:50.439 --> 02:07:53.000 take doing COVID tests, there was there was no uh 2326 02:07:53.359 --> 02:07:55.399 I don't think they had to report anything. 2327 02:07:56.840 --> 02:08:01.600 I had a government you know, test for for the 2328 02:08:01.680 --> 02:08:04.159 China virus during that panic period, and I gave them 2329 02:08:04.199 --> 02:08:06.920 a fake name and they just gave me a case 2330 02:08:07.000 --> 02:08:09.239 number and then I logged into their website using my 2331 02:08:09.239 --> 02:08:09.760 fake name. 2332 02:08:10.720 --> 02:08:14.920 Yeah, but with blood work with what what are you 2333 02:08:15.000 --> 02:08:17.680 suspecting anyway? And can you leave your phone number please? 2334 02:08:17.720 --> 02:08:18.680 In your fingerprints? 2335 02:08:18.840 --> 02:08:23.000 No, Mike, what do you we have if we're still 2336 02:08:23.159 --> 02:08:24.119 entitled to privacy? 2337 02:08:24.239 --> 02:08:27.239 I was just curious if, of course we are, if. 2338 02:08:27.039 --> 02:08:30.920 Our medical information is going to the federal government without 2339 02:08:31.760 --> 02:08:32.840 it's never gone. 2340 02:08:32.600 --> 02:08:36.319 To something, Hey, doc, do you know? I mean, I 2341 02:08:36.359 --> 02:08:39.279 don't think medical information is highly. 2342 02:08:39.560 --> 02:08:42.079 I've never had to report anything to the government. 2343 02:08:43.199 --> 02:08:46.399 Yeah, I don't even know when, Like there might be 2344 02:08:47.399 --> 02:08:52.239 extreme circumstances in the past. I don't know, bubonic plague 2345 02:08:52.279 --> 02:08:58.800 or something. I've just never heard of it. Now, what's that. 2346 02:08:58.840 --> 02:09:02.239 Technically on a du Why you're giving your blood alcohol 2347 02:09:02.279 --> 02:09:06.680 results to uh A brand of the government. 2348 02:09:09.439 --> 02:09:11.199 Mike, just give them a fake name and pay with 2349 02:09:11.319 --> 02:09:12.479 cash and be done with it. 2350 02:09:14.279 --> 02:09:14.680 I don't know. 2351 02:09:14.880 --> 02:09:18.239 Curiously, we were still still in an age of privacy. 2352 02:09:17.760 --> 02:09:18.119 That's all. 2353 02:09:18.159 --> 02:09:20.640 I just really wanted to know if if you knew, 2354 02:09:20.720 --> 02:09:23.920 if that, you know, do we still have medical privacy 2355 02:09:24.479 --> 02:09:26.359 or is are any and all of that? 2356 02:09:26.520 --> 02:09:29.720 I just I just looked up the CDC's requirements. There 2357 02:09:29.720 --> 02:09:36.640 are some conditions that that by law must be must 2358 02:09:36.720 --> 02:09:40.840 be reported to the Centers for Disease Control. They're called 2359 02:09:41.199 --> 02:09:45.760 they're called notifiable. It's n n D Okay, it's called 2360 02:09:46.159 --> 02:09:51.039 National Notifiable Disease and Surveillance System, and it's a legal obligation. 2361 02:09:51.199 --> 02:09:55.920 Do you want to hear what they are? Sure, anthrax, 2362 02:09:56.680 --> 02:10:03.880 measles TB HAVE, but Titus A B and C line disease, 2363 02:10:04.600 --> 02:10:10.800 syphilis watch out DOC and COVID nineteen those must be reported. 2364 02:10:13.319 --> 02:10:19.079 See interesting Yep. Now, I don't know. I think I 2365 02:10:19.119 --> 02:10:21.439 don't know what they report. I don't know if they 2366 02:10:21.479 --> 02:10:22.840 report what's. 2367 02:10:22.640 --> 02:10:25.600 That apology is in remission. 2368 02:10:26.159 --> 02:10:29.520 Oh okay, do they I wonder do they require though 2369 02:10:30.000 --> 02:10:34.880 the names of the of the of the patients or 2370 02:10:35.079 --> 02:10:40.119 just or just the the case. That's the thing I wonder. 2371 02:10:40.279 --> 02:10:43.960 Let me see, I'm looking further. It says that the 2372 02:10:44.039 --> 02:10:52.680 notifiable disease's notification includes, Yes, you must have personal information, names, addresses. 2373 02:10:52.880 --> 02:10:56.079 Oh so they want detailed information on you, brother, if 2374 02:10:56.119 --> 02:10:58.720 you have any of those. I never realized that there 2375 02:10:58.760 --> 02:11:01.880 were these conditions, did you, guys that had to be reported? 2376 02:11:01.920 --> 02:11:04.520 Do you know they tracked down like the food poisoning cases. 2377 02:11:04.520 --> 02:11:08.000 For example, where's that that's not listed here? Food poison? 2378 02:11:08.000 --> 02:11:12.399 You just mentioned hepatitis. That's a food. That's a food born? Yeah, 2379 02:11:12.800 --> 02:11:15.720 people and C they're syrum. I don't know which one 2380 02:11:15.800 --> 02:11:17.880 one of them? Serrum it's common to get. 2381 02:11:17.880 --> 02:11:22.239 Yeah, one of them serum dirty food food born's a 2382 02:11:22.399 --> 02:11:25.239 B is with serum and C is non a on B. 2383 02:11:25.399 --> 02:11:27.680 We don't what is seed with docket? They call it 2384 02:11:27.760 --> 02:11:29.520 non A and I B, Well, what is it? 2385 02:11:29.520 --> 02:11:30.520 It's not a on B. 2386 02:11:31.119 --> 02:11:35.199 They can't define the the egg okay, ideology of it? 2387 02:11:36.039 --> 02:11:38.319 Why syphilis and not gonorrhea? 2388 02:11:39.840 --> 02:11:40.600 Why not eggs? 2389 02:11:41.520 --> 02:11:44.239 I don't know that's that's a good question. I don't 2390 02:11:44.279 --> 02:11:47.119 know the answer to this, but those are the conditions 2391 02:11:47.600 --> 02:11:52.560 that must be reported to the CDC. Thank you for calling, Mike. 2392 02:11:52.600 --> 02:11:55.399 Three oh three seven one three talk seven one three 2393 02:11:55.479 --> 02:12:01.520 eight two five five more coming right up. Hi, Tom Martino, 2394 02:12:01.640 --> 02:12:05.800 your troubleshooter, Deputy Bow. You have some follow ups? What's 2395 02:12:05.840 --> 02:12:06.600 going on? Bow? 2396 02:12:07.479 --> 02:12:11.079 Okay, I've got a good final follow up with Chris 2397 02:12:11.239 --> 02:12:13.960 in his robotic I bought dog from. 2398 02:12:14.079 --> 02:12:18.159 Oh my God, we got to recap this and Chris, yeah, 2399 02:12:18.199 --> 02:12:20.600 go ahead, Chris is go ahead. 2400 02:12:20.600 --> 02:12:23.479 Well we're from October twenty fourth, and D and I 2401 02:12:23.600 --> 02:12:24.479 were working on it. 2402 02:12:24.840 --> 02:12:29.159 Yeah, and it was a sad story. Seriously, this man 2403 02:12:29.239 --> 02:12:32.960 with disabilities could not care for a real service dog 2404 02:12:33.760 --> 02:12:37.880 and wanted a companion, and he literally bought a Sony 2405 02:12:38.000 --> 02:12:42.199 robot dog one I didn't even know existed. And it's 2406 02:12:42.239 --> 02:12:47.199 pretty clever and pretty damn cool. But his was malfunctioning 2407 02:12:47.239 --> 02:12:50.600 a bit and he was upset. He spent over three 2408 02:12:50.720 --> 02:12:55.399 thousand dollars on him, right, yeah, yeah, will overse or more? 2409 02:12:55.479 --> 02:12:55.880 How much? 2410 02:12:56.159 --> 02:12:57.520 I think about three and a half or something. 2411 02:12:57.600 --> 02:13:00.000 It was thirty six with the toys. 2412 02:13:02.039 --> 02:13:05.119 Wait, who whoa thirty six hundred. 2413 02:13:05.359 --> 02:13:08.640 Well the dog was three thousand and seventy five, and 2414 02:13:08.680 --> 02:13:11.239 I think the toys were another three or four hundred. 2415 02:13:11.680 --> 02:13:14.000 And it's called a bo, right, a bot? 2416 02:13:14.159 --> 02:13:15.560 Yeah, a bot or. 2417 02:13:15.560 --> 02:13:20.560 Abol Okay, So Sony was being really out of this, 2418 02:13:20.760 --> 02:13:23.199 like weird on this one. They wouldn't give his money back. 2419 02:13:23.680 --> 02:13:26.079 What were some of the problems they had? They said, no, 2420 02:13:26.119 --> 02:13:28.159 we can't give the money back. It's non refundable. He 2421 02:13:28.199 --> 02:13:32.560 said it was. It's it's defective. Send him another one. 2422 02:13:32.560 --> 02:13:34.439 They wouldn't send him another one. They wouldn't give his 2423 02:13:34.520 --> 02:13:38.119 money back. Why bo? Why were they being such sticklers here? 2424 02:13:38.479 --> 02:13:38.680 You know? 2425 02:13:38.800 --> 02:13:41.840 But that part the I just know they were jerks 2426 02:13:41.840 --> 02:13:44.279 about it. They would not send him more and they 2427 02:13:44.319 --> 02:13:47.199 would not and then he paid with a paid paler 2428 02:13:47.239 --> 02:13:52.039 or something, and then they just absolutely refused a refine 2429 02:13:52.079 --> 02:13:52.439 in the red. 2430 02:13:52.600 --> 02:13:53.319 I did not like that. 2431 02:13:53.560 --> 02:13:56.039 And then and they wouldn't even discuss it with us. 2432 02:13:56.079 --> 02:13:59.319 They blocked my number and they said that they'll what 2433 02:13:59.479 --> 02:14:01.560 they calls from me, and then they won't take any 2434 02:14:01.560 --> 02:14:04.720 more calls from the consumer. And that's when BO had 2435 02:14:04.720 --> 02:14:05.479 to get into. 2436 02:14:05.920 --> 02:14:09.119 So you don't have to give every detail, but what happened. 2437 02:14:08.800 --> 02:14:11.960 I'm not going to give every detail, but eventually they 2438 02:14:12.000 --> 02:14:18.600 did relent. They did refund his money, and they refunded 2439 02:14:19.359 --> 02:14:22.000 the restock They were first charge, give him a refund 2440 02:14:22.000 --> 02:14:26.039 plus plus a twenty five restocking charge. They waived the 2441 02:14:26.079 --> 02:14:30.560 restock charge. They gave him a full refund a form 2442 02:14:30.600 --> 02:14:32.680 of a check that he wanted. 2443 02:14:33.079 --> 02:14:34.600 It took a few months to. 2444 02:14:34.520 --> 02:14:38.439 Do, but he's very he's a disabled vet, fixed income. 2445 02:14:38.560 --> 02:14:42.760 He's very happy. He received the check in full last week. 2446 02:14:43.640 --> 02:14:45.359 Oh, man, I'm happening. 2447 02:14:46.640 --> 02:14:47.279 Another dog? 2448 02:14:47.960 --> 02:14:50.840 I asked him. He said no. I told him he 2449 02:14:50.840 --> 02:14:52.960 should go to the dumb Friends League and get a dog. 2450 02:14:53.159 --> 02:14:59.439 Yeah, he didn't cheaper. That definitely deserves the dinger. 2451 02:15:00.760 --> 02:15:01.000 Man. 2452 02:15:01.239 --> 02:15:08.159 No, that's a good story. I feel sorry for him. Impression. 2453 02:15:08.720 --> 02:15:11.159 Did you get the impression? Maybe he had special needs 2454 02:15:11.199 --> 02:15:11.760 of some kind. 2455 02:15:11.960 --> 02:15:15.039 He was a disabled vet, and he was lonely and 2456 02:15:15.760 --> 02:15:18.920 know in any apartment he had no friends. He really 2457 02:15:19.000 --> 02:15:20.359 wanted companionship. 2458 02:15:20.399 --> 02:15:23.439 And I is anyone going out to visit him or 2459 02:15:23.479 --> 02:15:25.439 any I mean, like what we ought. 2460 02:15:25.239 --> 02:15:28.920 To I call follow He's a little bit of a talker, 2461 02:15:29.000 --> 02:15:30.319 but I could follow up with him. 2462 02:15:30.520 --> 02:15:32.279 Well, you don't have to do it alone. We should 2463 02:15:32.359 --> 02:15:35.159 keep that in mind. Maybe there's a group he's a veteran, 2464 02:15:35.239 --> 02:15:37.479 maybe there's people that will look in on him from 2465 02:15:37.479 --> 02:15:39.840 time to time. We can keep him in mind for 2466 02:15:39.880 --> 02:15:40.600 the holidays. 2467 02:15:40.680 --> 02:15:44.800 What about meals on wheels? Wouldn't would he qualify for that? 2468 02:15:44.880 --> 02:15:47.199 So at least you have some contact once a day. 2469 02:15:48.119 --> 02:15:50.520 That's a good idea, DOC, then he would get you. 2470 02:15:51.000 --> 02:15:53.560 Let's keep him in mind. BO. Remind us as we 2471 02:15:53.600 --> 02:15:56.119 get closer here, I mean, we're we're we're the holidays 2472 02:15:56.159 --> 02:15:57.760 are upon us. Let's see what we can do for 2473 02:15:57.800 --> 02:16:00.399 this guy, and maybe we can get you get some 2474 02:16:00.439 --> 02:16:04.560 people who regularly look for UH and look to help 2475 02:16:04.680 --> 02:16:07.439 veterans as well. That would be good. Thank you, Bo, 2476 02:16:07.600 --> 02:16:10.880 that was great. Well this is the end of the show. Wow, 2477 02:16:11.319 --> 02:16:16.159 So let me say olslaw dot com thank you so 2478 02:16:16.279 --> 02:16:19.439 much for being here. And you can reach Brad when 2479 02:16:19.439 --> 02:16:22.880 he's not here at seven two zero three seven zero 2480 02:16:23.479 --> 02:16:26.720 seventy three eighty eight. And remember, folks, you can always 2481 02:16:26.720 --> 02:16:29.640 reach me at three zero three Martino for anything that 2482 02:16:29.720 --> 02:16:33.079 you need for help with consumer problems or investment advice. 2483 02:16:33.159 --> 02:16:34.639 Save all your problems for me.