Speaker 1: Ripped up.
Speaker 2: News, so you don't have.
Speaker 1: Come run in just as sass as you can. Show
Speaker 1: Shooter's gonna help coming man.
Speaker 3: This is the Troubleshooter Show. No Tom Martinez, Welcome, Welcome
Speaker 3: to the Only.
Speaker 4: Show if it's kind of here. Solve problems, answer questions,
Speaker 4: take complaints. My goal in life's to make your life
Speaker 4: a little bit better. You've been ripped off, You've been
Speaker 4: taken advantage of. We've got lines open. The show's just starting.
Speaker 4: I want to sink my teeth into something. Three zero
Speaker 4: three seven, one, three eight, two five five or three
Speaker 4: oh three Martino, by the way, that number works on
Speaker 4: and off the air, joining me in studio. Two day.
Speaker 4: Attorney at Law, Dan Mackenzie. Anything that has to do
Speaker 4: with trusts and probate, Dan, how would you describe everything
Speaker 4: you do? What's the best way in a paragraph or
Speaker 4: at least a long sentence to describe what you do?
Speaker 5: We really just help people get prepared for any situation
Speaker 5: where they're going to need some help.
Speaker 4: So you know.
Speaker 5: The famous one, of course, is if you pass away,
Speaker 5: but that is only one situation. Any most of us
Speaker 5: have situations in our lives where maybe we're injured, or
Speaker 5: hospitalized or just out of town.
Speaker 4: And oh that's a good one.
Speaker 5: So yeah, so what do you do for someone that's hospitalized?
Speaker 5: I mean, that's power of attorney documents. Usually your will
Speaker 5: is not helpful in that situation. And we're trying to
Speaker 5: plan to make sure that there is somebody trustworthy who
Speaker 5: can step in and do stuff like just open mail,
Speaker 5: pay bills, talk.
Speaker 4: To your marriage company, like that kind of everything like that.
Speaker 4: Got Deputy d sit into my right, Deputy Scott, we
Speaker 4: got Deputy Chopper Kelly's into the house, and of course
Speaker 4: Shannon on the other side of the board. If you
Speaker 4: have been ripped off or just need some help, we
Speaker 4: got a list to people at referralist dot com along
Speaker 4: with the experts here in studio. They can answer any
Speaker 4: of your questions. Maybe a contractor ripped you off, maybe
Speaker 4: you've got a problem with the landlord, all of the above.
Speaker 4: Three oh three seven one three eight two five five
Speaker 4: three zero three Martino Deputies, any updates whatsoever? What do
Speaker 4: we have cooking? No, Scott, no updates, Dmitri any updates, sir?
Speaker 6: Yeah, I've got an update for you.
Speaker 4: What do you got, Scott?
Speaker 6: A couple of weeks ago, we had I'm gonna grab
Speaker 6: my notes real quick. One second here.
Speaker 4: One second, I don't got a second, Scott three oh
Speaker 4: three seven one three eight two five five? Come on now?
Speaker 4: Is it Garrett? After all this? I hope it's a
Speaker 4: great update, Like one hundred million dollars? What are we
Speaker 4: talking here?
Speaker 6: We had Gary Collin and uh he's he actually is.
Speaker 6: Uh he's with one of our sponsors. But he had
Speaker 6: bought a uh, really expensive sofa from Lazy Boy up
Speaker 6: before Collins.
Speaker 4: How much eleven thousand dollars? Oh my god for just
Speaker 4: one sofa like a whole family, right.
Speaker 6: No, I think it's like one sofa, but.
Speaker 4: One sofa eleven thousand dollars. Ye, okay, yep. And they
Speaker 4: delivered it back in September. And the day after, you know,
Speaker 4: they delivered it, Gary and his wife noticed some problems
Speaker 4: with it, like what what kind of problem?
Speaker 6: There was some dance and some parts didn't fit quite right,
Speaker 6: and so then he's.
Speaker 4: Kind of parts are there for a sofa?
Speaker 6: Well, maybe it's a recliner. I think in the ends,
Speaker 6: like a sectional sectional exactly?
Speaker 4: Fair enough?
Speaker 6: Yeah, yeah, it's more than just so if I think
Speaker 6: this is like a sectional that got it curves around
Speaker 6: but in this so they reached out to Lazy Boy,
Speaker 6: and Lazy Boy sent someone out, We're going to order
Speaker 6: a part. Took forever and ever and ever to get parts,
Speaker 6: and so that he called here and wanted us to
Speaker 6: go back to Lazy Boy and he just wanted.
Speaker 4: To He wanted to refun I'm not so sure what
Speaker 4: their refund policy is, but okay, yeah, you know we
Speaker 4: had one year years ago with Lazy Boy. They wanted
Speaker 4: to return it because it smelled. They said it got
Speaker 4: delivered and it smelled, and I literally went out during
Speaker 4: the show, Tom was here and I smelled it and
Speaker 4: it did smell. It actually smelled, and we got them
Speaker 4: it smelled like from aaldehyde. Oh goodness, No, it was horrible.
Speaker 4: It had the most worst chemical smell ever and they
Speaker 4: couldn't get rid of it. So ultimately they refunded it.
Speaker 4: But it was a fight. So what happened here, So.
Speaker 6: A couple of weeks ago, Lazy Boy finally agreed, Hey,
Speaker 6: we're gonna come out, we'll pick up your sofa, we're
Speaker 6: not going to charge every stocking fee, and we're going
Speaker 6: to give your money back.
Speaker 4: Nice. Yeah, just because some missing parts, and yeah, I
Speaker 4: mean it just the sofa wasn't what he expected for
Speaker 4: eleven thousand bucks thousand dollars. It should have been the
Speaker 4: Macdaddy of all Macdaddy's of sofas. I agree, one hundred percent.
Speaker 4: That's great. That's another eleven thousand and do our over
Speaker 4: three hundred million dollars cash merchandise exchanges refunds directly due
Speaker 4: to this show Chopper Any updates, Dmitri Any updates eight mark. Yes, sir,
Speaker 4: I have a question.
Speaker 7: Maybe, yes, I'd like to turn this over.
Speaker 4: To you, because you have that What is it?
Speaker 8: Remember?
Speaker 4: What is it? What is it that I have that
Speaker 4: that fill in the blank down what I want to
Speaker 4: help him? What is it? Jennis? A quadre? Oh man,
Speaker 4: you stow the words out of my mouth. So you
Speaker 4: got that. I got that?
Speaker 9: Remember about oh, probably about.
Speaker 4: Three four weeks ago, closer to the mic, sir, three
Speaker 4: four weeks ago.
Speaker 9: Uh, we had a guy take his truck into Bradley's
Speaker 9: down there in Peblo.
Speaker 4: And then do you remember that. What was the problem
Speaker 4: with it?
Speaker 9: Well, they were They gave him an outrageous bid. I
Speaker 9: think it was seventy eight thousand dollars to get it fixed.
Speaker 4: The rail was bad, the fuel was bad. Seventy eight
Speaker 4: seventy eight thousand.
Speaker 9: Well I said seventy eight hundred last time, but everyone
Speaker 9: said I was wrong.
Speaker 4: Maybe I said seven. It was seventy eighth. I remember that. Well,
Speaker 4: so they did two things. They did a fuel pump
Speaker 4: and then ultimately what fixed it was a fuel ran
Speaker 4: They and they were gonna refund they they he still.
Speaker 7: Claims they're going to do it all zero cost. Here's
Speaker 7: the problem.
Speaker 4: Who claims that the dealership okay, because you're gonna run
Speaker 4: it under warranty?
Speaker 9: What are they They're going to drin it apparently under warranties.
Speaker 9: But it's been like four or five weeks now and
Speaker 9: the truck's still there.
Speaker 4: Well, why they they don't have the part?
Speaker 9: I don't know. I've called them a couple of times.
Speaker 9: This is where the mark comes in.
Speaker 4: Well, what am I gonna do on that? I mean,
Speaker 4: what do they possibly say to you when you call
Speaker 4: They won't call you back? What does the consumers say?
Speaker 4: What's the callers?
Speaker 7: So we're going to fix it.
Speaker 9: And here's the part that I'm not poking the bear on.
Speaker 9: They've given them a car to use. Oh, it's good,
Speaker 9: so I I really don't know. That's why I'm kind
Speaker 9: of asking your expertise. What should we poked the bear
Speaker 9: or should we just let it get good.
Speaker 4: I need to know is if they can get the
Speaker 4: part or not. If literally the fuel rail. I think
Speaker 4: that's what needs to be done at this point is
Speaker 4: back ordered. I mean, what are we gonna do. We
Speaker 4: had to have information from the caller.
Speaker 9: I'm going to go off during the show and give
Speaker 9: the caller another call, ask him.
Speaker 4: Ask him to ask the caller what's going on now?
Speaker 4: Maybe it's said and done. Can you not get in
Speaker 4: touch with the caller?
Speaker 9: No, the caller keeps in touch with me, and he
Speaker 9: said he would call me when it was done. But
Speaker 9: like I said, I didn't really want to poke the
Speaker 9: bear if they gave him a car.
Speaker 4: We had a caller one time we got back one
Speaker 4: hundred thousand dollars on a mini house. It was built
Speaker 4: like on a like on a trailer. It had like
Speaker 4: it was a mini house. It wasn't like a fifth wheel.
Speaker 4: It was technically a mini house and you would put
Speaker 4: it on a slab of cement somewhere and whatever happened,
Speaker 4: it showed up they couldn't deliver it to where the
Speaker 4: guy wanted it, and ultimately they were going to give
Speaker 4: him a refund, and ultimately they did give him a refund. Okay,
Speaker 4: he wouldn't come on for the update because he signed
Speaker 4: a release with him saying he wouldn't talk about it,
Speaker 4: So they basically told him, too bad. So sad, your
Speaker 4: mini house is off I twenty five near Pueblo, you
Speaker 4: can go get it. We left it there and we
Speaker 4: ended up getting them to pick it up and give
Speaker 4: them a refund on it because they resold it to somebody.
Speaker 4: But he got a full refund. He didn't want to
Speaker 4: come on and say it because he signed that release.
Speaker 4: So that's why I asked you, if you've been talking
Speaker 4: to the consumer a lot of times, he'll sign a
Speaker 4: release and they're terrified to come back on because if
Speaker 4: you look at that release and I'll bring Dan McKenzie
Speaker 4: in in a general release, Dan, that says, hey, you're
Speaker 4: not going to disparage us in writing or by word
Speaker 4: of mouth or talk about a settlement. I mean, it
Speaker 4: covers every aspect. So coming on the air and saying, yeah,
Speaker 4: they gave us a full refund could create a problem.
Speaker 4: And most releases actually say they might want the money
Speaker 4: back at that point. Yeah, yeah, I wouldn't.
Speaker 5: I wouldn't give him a reason to iddn't know if
Speaker 5: you've sign the release, if it's if it's a part
Speaker 5: and me to keep talking, don't sign the release.
Speaker 4: Yeah, that's it. Then what you do is you come
Speaker 4: on air and say, hey, they're gonna cut me a check.
Speaker 4: They're gonna give me the full amount. Would you please
Speaker 4: just not say anything about it until afterwards. So there's
Speaker 4: different ways of handling it. So Shannon, do I have
Speaker 4: fifteen zero reses? Or I see you got them all
Speaker 4: fixed up? I appreciate that. Look, we've got lines open.
Speaker 4: We never have lines open. I want to hear from you.
Speaker 4: Three zero three seven one three eight two five five
Speaker 4: three oh three Martino. Any problems, you got any comments?
Speaker 4: We want to help three to ozho three Martino will
Speaker 4: be back right after this.
Speaker 10: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 10: dot com. You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free, no obligation. In comparison,
Speaker 10: call Compass insurance pay too much your coverage at dozens
Speaker 10: of insurance companies find out now three oh three, seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five three oh three Martino, you've been ripped off
Speaker 4: or taken advantage of. We also have Dan McKenzie and
Speaker 4: with this coo plans dot co. Anything to do with wills, trust? Dan,
Speaker 4: Do most people get a will or trust these days?
Speaker 4: I mean, I realize everybody's different, but what's the benefit
Speaker 4: of the trust over a will for vice versa?
Speaker 5: Well, yeah, I mean I trusts are usually better. I
Speaker 5: think most attorneys and even most online systems charge a
Speaker 5: little bit more to set up trusts.
Speaker 4: They're a little bit more work to set up.
Speaker 5: You've got to retitle your stuff to the trust, whereas
Speaker 5: with a will, you're just saying, take whatever I have
Speaker 5: and give it to these people, right, You don't really
Speaker 5: have to do much work beyond that. With a trust,
Speaker 5: you're creating this thing that you're gonna put It's like
Speaker 5: a vehicle that you're putting your stuff into and it's
Speaker 5: going to manage your stuff. So the reason it works
Speaker 5: so well is because you run it during your lifetime
Speaker 5: and then it's just someone else steps in immediately in
Speaker 5: any situation. It could be death, could be the inpacity
Speaker 5: events we were just talking about, and they just take
Speaker 5: over that trust and they keep going. They don't need
Speaker 5: any court authorization to do it because the thing that
Speaker 5: owns your stuff, which is the trust, is always alive
Speaker 5: and well, so.
Speaker 4: It's almost like an LLLC in a lot of way.
Speaker 11: It is.
Speaker 4: It's like an lc I for your personal stuff. And
Speaker 4: then you can also, of course, like in our trust,
Speaker 4: you can well, actually we change this. But at one
Speaker 4: point when the kids were younger, you know, if they
Speaker 4: wanted to use the money for college, they could use
Speaker 4: it for that. But they wouldn't simply get a lump
Speaker 4: sum of money at any certain time. I mean that's
Speaker 4: pretty normal, right.
Speaker 5: Yeah, you can describe under what conditions that people who
Speaker 5: are going to receive that money get it, So you
Speaker 5: could say they just get it.
Speaker 4: Yeah, of course, then they do get it.
Speaker 5: Right, but you can put most restrictions that you can
Speaker 5: think of on it. You can't violate public policy. You
Speaker 5: can't tell public policy. You can't say you got to
Speaker 5: marry within the faith to get this money.
Speaker 4: Oh really no, Now why couldn't you say that just
Speaker 4: out of curiosity.
Speaker 5: Because we're not discouraging marriage in the society. We're not
Speaker 5: going to you know, bind someone at the like. You know,
Speaker 5: there's a famous case you read in law school where
Speaker 5: somebody was that they were supposed to marry within the
Speaker 5: Jewish faith and they lived in a part of the
Speaker 5: country where there really wasn't a large Jewish population.
Speaker 4: He's like, I can't do it because that would change
Speaker 4: public policy on it.
Speaker 5: That is where the court said, look, we are not
Speaker 5: going to set up a situation where somebody is going
Speaker 5: to get paid for getting married. We're not going to
Speaker 5: pay people to get divorced. We're not going to you know,
Speaker 5: hold money back if they don't get married.
Speaker 4: Could you say they have to get married or still
Speaker 4: that would be the same, that would be the same
Speaker 4: public policy. It just generally married.
Speaker 5: I mean probably, Yeah, you're you're probably violating public policy.
Speaker 4: We don't want people out there getting married for this money. Yeah,
Speaker 4: how about can you leave money to a grand kid
Speaker 4: that hasn't been born yet.
Speaker 5: You can set aside money and say it's going to
Speaker 5: be in this class of people, but you got to
Speaker 5: work that pretty carefully, because we don't want money tied
Speaker 5: up in some situation.
Speaker 4: Where where they don't have kids or can have kids. Yeah,
Speaker 4: but people do leave money to generations down the line. Sure, yeah, yeah,
Speaker 4: I mean a lot of people.
Speaker 5: I mean all of our trusts say look to my descendants,
Speaker 5: and if my descendant still has money in this trust
Speaker 5: and they pass away, then it's going to go to
Speaker 5: their descendants.
Speaker 4: And they don't have any descendants at the moment. So
Speaker 4: when does someone cross over from that simple will? Like,
Speaker 4: let's say, I'll just use our own situation. When Susanna
Speaker 4: and I first got married, I mean, god, we were
Speaker 4: so young. I was like twenty one, she was eighteen,
Speaker 4: and actually I don't think we had a will up
Speaker 4: until we had kids. We simply didn't have anything, so
Speaker 4: it really didn't matter. We lived in an apartment, we
Speaker 4: live paycheck to paycheck, I mean, we really had nothing.
Speaker 4: But soon as we had kids and we had to
Speaker 4: start thinking, Okay, if something happens to both of us,
Speaker 4: who's going to watch the kids. So that would either
Speaker 4: be my parents or her parents or whoever you specify. So,
Speaker 4: but beyond that, when you just have a kid but
Speaker 4: no assets, when do you cross over to that next level?
Speaker 4: If you need more than a simple will.
Speaker 5: I think, well, there are certain situations where you really
Speaker 5: have to have a trust.
Speaker 4: So once you have kids.
Speaker 5: If you have kids who are minors, they cannot receive money.
Speaker 5: An adult has to receive it for them, so there
Speaker 5: can be money set aside for them. Again, put an
Speaker 5: adult adult in charge of that, and that is a trust.
Speaker 5: If you don't do that, then the court's going to
Speaker 5: do it through a conservatorship.
Speaker 4: And then I heard the conservatorship. They can eat up
Speaker 4: the funds. Pretty cool. It can be pretty expensive.
Speaker 5: I mean the person who is the conservator is operating
Speaker 5: without any instructions from you at all. You don't know
Speaker 5: who that person is. I mean, the court watches them
Speaker 5: pretty closely, which is part of the drawback. They got
Speaker 5: to report to the court every year and get.
Speaker 4: Which is the pain.
Speaker 5: Yeah, and then at twenty one, your kid gets it
Speaker 5: whatever it is right, whether they're ready for it or not,
Speaker 5: so that conservatorship ends. So it could be still like
Speaker 5: a lot of people have life insurance, home equity, retirement
Speaker 5: accounts and don't feel like I don't feel like I
Speaker 5: have a lot of money. Well, it's all in these
Speaker 5: things that I can't access. You might got a lot
Speaker 5: of equity, but you don't have a lot.
Speaker 4: Well that would I'll be turned into cash and handed
Speaker 4: to my kid. Yeah, that's that's that's interesting. And then
Speaker 4: if you don't like a kid. We heard of people
Speaker 4: writing someone out of the will. That's not a big deal.
Speaker 4: It's got nothing to do with public interest. Like, if
Speaker 4: one of my kids pisses me off, I don't have
Speaker 4: to leave them anything.
Speaker 5: No, I mean, you still want to be thoughtful about
Speaker 5: that because the people are going to bear the brunt
Speaker 5: of that kid's anger are your other kids, because you're
Speaker 5: you're to bear it.
Speaker 4: So yeah, but there's no issue with that. There's no
Speaker 4: legal issue. You know, what happens if you don't have
Speaker 4: a will, you're gonna have you know, if you so
Speaker 4: let's say you have assets, yeah and no will, what
Speaker 4: happens to your money to the state.
Speaker 5: Yeah, well, yeah, that's not really true. There are default
Speaker 5: rules about who it goes to. And it's kind of
Speaker 5: what you would think, right, it's going to go to
Speaker 5: my spouse. I have a spouse, and it's going to
Speaker 5: go to my kids. If I don't have a spouse,
Speaker 5: it gets more interesting if you and your spouse have
Speaker 5: different kids, and a lot of times that situation really
Speaker 5: never lines up with what people want.
Speaker 4: You know, when you're leaving stuff to step kids, a
Speaker 4: lot of people.
Speaker 5: Want to hand it like, get take care of my
Speaker 5: spouse and then get to my kids right We're not,
Speaker 5: you know, necessarily put in a situation where my kids
Speaker 5: are going to inherit right away, which is under intestinate
Speaker 5: rules that that can happen.
Speaker 4: When do people have to When should people update their
Speaker 4: will or update their trust, like directly after divorce for example,
Speaker 4: and maybe when they get remarried. How about how about
Speaker 4: if they're just simply moving from Let's say you do
Speaker 4: a trust and will for somebody here in Colorado and
Speaker 4: they move to Texas, is that time to update? I
Speaker 4: would certainly yes.
Speaker 5: I mean, that's interesting to pick those two states because
Speaker 5: Texas is a community property state, which has different rules
Speaker 5: around capital gainst tax, so that actually is a pretty
Speaker 5: important move. But from here to Wyoming, sure, I mean
Speaker 5: I still would advise people like you probably want. You know,
Speaker 5: a validly executed will in Colorado is probably.
Speaker 4: Gonna be honored in Wyoming.
Speaker 5: But I just generally like for the paperwork to match
Speaker 5: up with the current situation.
Speaker 4: But what if someone didn't. Let's go back to Texas.
Speaker 4: You said, that's one of the you know, strange ones
Speaker 4: or one of the different ones. Yeah, so how does
Speaker 4: that look if we move, someone moves, they never update
Speaker 4: the will and they end up passing away I mean,
Speaker 4: most likely will. Everything goes somewhat smooth, but a lot
Speaker 4: more steps. Yeah, I mean.
Speaker 5: The thing I'm referring to there is you might have
Speaker 5: heard of the capitol of gains step up, where you know,
Speaker 5: when you pass away assets that pass to people, the
Speaker 5: capital gains basis bumps up to the data death value
Speaker 5: will getty Texas in every state, but in community property states,
Speaker 5: which is the state's running along the western coast of
Speaker 5: the United States mostly, and then Wisconsin. Weirdly, there are
Speaker 5: fourteen states that are community property states, and it bumps
Speaker 5: up twice, So it bumps up entirely at the first
Speaker 5: death and then again at the second death.
Speaker 4: That does not happen in the other thirty six takes.
Speaker 4: So give me an example. Let's take like, what a house. Yeah,
Speaker 4: so you've got let's say the house is paid off,
Speaker 4: it's worth a million bucks. Now what so I pass
Speaker 4: away and it goes directly to my wife? That doesn't
Speaker 4: that doesn't trigger anything to you.
Speaker 5: Is that if your wife wants to sell the house,
Speaker 5: she's got to get some step up from when you
Speaker 5: passed away.
Speaker 4: So she'd have her fifty percent.
Speaker 5: Yeah, and then it would In a community property state,
Speaker 5: it's the whole thing, stepped up, the whole thing.
Speaker 4: Yeah, so both of our shares, even though I'm.
Speaker 5: The only one percent step up twice. All separate property
Speaker 5: states don't have that, So you can have a plan.
Speaker 5: People in these community property states plan differently than those
Speaker 5: of us in.
Speaker 4: Separate property states.
Speaker 5: Oh, they have a separate property plan and move to
Speaker 5: a community property state or vice versa.
Speaker 4: You wh I think about that? You know, you made
Speaker 4: me think of something saying that we hear of corporations
Speaker 4: that will set up in Delaware. I mean, Dimitri, how
Speaker 4: many times do you see a corporation and they're based
Speaker 4: out of Delaware?
Speaker 7: Oh, it's like almost all of the major ones.
Speaker 4: And I'm pretty sure the reason they do that, they're
Speaker 4: very favorable when it comes to going to court and
Speaker 4: having different issues. And I'm sure you know some about it.
Speaker 4: Dan of setting it up in there is setting it
Speaker 4: up in Delaware. Oh yeah. Does it ever make sense
Speaker 4: to set up a trust? And I'm not We'll talk
Speaker 4: offshore maybe a little later, but I'm not talking offshore.
Speaker 4: I'm talking in the country. Does it ever make sense
Speaker 4: if you live in Texas to have the will actually
Speaker 4: done in Colorado or somewhere else.
Speaker 5: Yeah, So you just still compared trust to LLC's and
Speaker 5: I agreed with that, except that LLCs provide asset protection.
Speaker 5: Like if I have an LLC and something happens and
Speaker 5: it gets sued, it's supposed to be separate from me.
Speaker 4: My first is going to lie.
Speaker 5: A trust is not a revocal living trust does not
Speaker 5: do that. That's the most common type of trust. There
Speaker 5: are certain states, and again I want to say, maybe
Speaker 5: it's fourteen of them that have certain laws saying we
Speaker 5: will allow you to set up a trust in this
Speaker 5: state that we will consider to be an asset protection trust,
Speaker 5: even though you set it up for yourself, and it's
Speaker 5: literally called that, it's.
Speaker 4: Called a domestics. Still not an LLC. It's a trust
Speaker 4: and it's an asset protection Yeah. LLCs are for business,
Speaker 4: and I would someone want that, Like, give me an
Speaker 4: idea of why you would want an asset protection trust.
Speaker 5: If I'm in a profession that gets sued all the time.
Speaker 5: So if I am a radiologist and I have a
Speaker 5: high professional liability and I want to get assets. I
Speaker 5: got more assets than I frankly need for my day
Speaker 5: to day life, and I want to get them out
Speaker 5: of my name. Putting them in a revocal living trust
Speaker 5: is not going to accomplish that. If I get sued,
Speaker 5: those assets are still on the line, just like if
Speaker 5: I have them. But if I put them in a
Speaker 5: trust in Nevada and set them up correctly and have
Speaker 5: a trustee out there and it's irrevocable, I really can
Speaker 5: tell people coming after me like, hey, that's in the
Speaker 5: trust that you're not gonna be able to penetrate.
Speaker 4: That almost sounds to me is if in Colorado that
Speaker 4: would simply be an irrevocable trust.
Speaker 5: Yeah, Colorado does not let you self settle trust for
Speaker 5: asset protection purposes?
Speaker 4: Can you? But if you have an irrevocable trust, isn't that.
Speaker 4: In other words, if I make a deal with Scott, Hey, Scott,
Speaker 4: you're going to take care of me and my wife
Speaker 4: until we die, although that'd be funny because he's older
Speaker 4: than me. But anyhow, let's just say we make that
Speaker 4: deal and in exchange, I don't have a lot of money,
Speaker 4: but I'm going to have this trust to where my
Speaker 4: life insurance policy or whatever I've got going goes into
Speaker 4: the trust, and that is he's going to be the
Speaker 4: beneficiary of it. And there's no way I can change
Speaker 4: my mind because it's your revocable that money. If someone
Speaker 4: came after me for that money for something, let's say
Speaker 4: I was a radiologist. Yeah, I mean, they couldn't get it, right.
Speaker 4: That's that's pretty tough to still it.
Speaker 5: They can still get a Nevada, Wyoming, Alaska, Delaware, South Dakota.
Speaker 5: They all have statutory schemes specifically allowing you to set
Speaker 5: up self settled trust trust for you. So the situation
Speaker 5: you're describing, I guess is not a self settle trust
Speaker 5: because you've given it away and you are not a
Speaker 5: beneficiar anymore.
Speaker 4: Okay, So these states that.
Speaker 5: I'm mentioning allows your trust for your own benefit and
Speaker 5: count those assets as not yours.
Speaker 4: They got it, okay, Dan, So I got to take
Speaker 4: this break. But the question coming back, and I promised
Speaker 4: Chris and whoever else is on we'll get into there.
Speaker 4: But coming back, why wouldn't you set up a trust? Well,
Speaker 4: I guess if you're not in a high risk business
Speaker 4: or you don't have a lot of assets, would be
Speaker 4: the reason, because you wouldn't spend the money to have
Speaker 4: you do something like that ad of Nevada or one
Speaker 4: of these other states. But you must do stuff like
Speaker 4: that for some people. Oh yeah, So doctors are very common.
Speaker 4: Doctors are very common. The most common asset protection trust.
Speaker 5: Actually, we do our medicaid trusts right where people who
Speaker 5: are elderly are worried about losing all their assets on
Speaker 5: ut care.
Speaker 4: I want to talk about that because I'm kind of
Speaker 4: in that boat with my parents, and I'll explain after this.
Speaker 10: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 10: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Please time for an insurance checkup free no obligation comparison
Speaker 10: call Compass insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three O three seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 4: All right, folks three L three seven one three A
Speaker 4: two five five three ZHO three Martino. I was talking
Speaker 4: to Dan, then I promise, I'm going to go to
Speaker 4: Chris and Dick. We have two lines open three zero
Speaker 4: three seven one three A two five five. Where else
Speaker 4: can you get free legal advice on any path? And
Speaker 4: I you know, Dan specializes in what Dan specializes in
Speaker 4: wills trust, basically anything life planning. I think that's one
Speaker 4: of the best ways to call it asset protection. But
Speaker 4: we have attorneys that specialize in personal injury that can
Speaker 4: help you. We have family law attorneys that can help you.
Speaker 4: And Dan, I got to ask you this real quick
Speaker 4: and then we'll take a call. But you went through
Speaker 4: law school and then you graduate, and I'm just learning
Speaker 4: this because of our daughter. I always thought, up until
Speaker 4: our daughter was in law school, like when you're in
Speaker 4: law school, you go, okay, I want to be personal
Speaker 4: injury or I want to do this or that not
Speaker 4: the case at all. No, it's simply not the case.
Speaker 4: When they cut you loose from law school, I mean,
Speaker 4: you've got to find a focus, find a job, book,
Speaker 4: and then decide, you know, family law whatever. So when
Speaker 4: you first got out of law school, what brought you,
Speaker 4: what brought you to planning? I mean, what brought you
Speaker 4: to where you are now? Did you do any other forms?
Speaker 12: No?
Speaker 4: I was letigator for ten years. Oh wait, wait a minute,
Speaker 4: I'm remembering. I'm a consumer fraud letigator for ten years.
Speaker 4: That's unbelievable. I've asked you this before and you really didn't.
Speaker 4: You liked it. It gave you. Oh man, how you
Speaker 4: described where you left?
Speaker 5: Yeah, it's uh, you know lawyers who do that kind
Speaker 5: of work or kind of controversial you know. Right now
Speaker 5: you've got the Consumer Protection Bureau is a controversial part
Speaker 5: of the government that is been kind.
Speaker 4: Of shut down. Yep.
Speaker 5: And that is really in line with the kind of
Speaker 5: law that I did. I mean, I was in the
Speaker 5: private arena but doing class actions, and I was the
Speaker 5: class actions are very controversial.
Speaker 4: Yeah, when you've done you can you talk about one?
Speaker 4: I'm sure. I mean like we uh.
Speaker 5: One of the bigger ones we worked on was the
Speaker 5: free credit report dot com, right, which is actually a
Speaker 5: subscription service to get your credit score. We can go
Speaker 5: on there and supposedly get a free credit report.
Speaker 4: Yeah yeah, and if you like, do everything perfectly, stand
Speaker 4: on your head three twists, not back the.
Speaker 5: Things they asked for your credit card number during that
Speaker 5: and then you know, everyone that we talked to who
Speaker 5: didn't realize they were signing up for a subsecution thought
Speaker 5: I thought that was part of the process of identifying myself, Say,
Speaker 5: get me my credit report, and then.
Speaker 4: Could you guys win that one?
Speaker 5: I mean that really you said the class didn't get certified,
Speaker 5: So I mean that's part of the frustration of this
Speaker 5: is like to get the class certified, like you really
Speaker 5: got to show everybody had the same experience, suffered the
Speaker 5: same injury.
Speaker 4: So it's actually really hard to do, right.
Speaker 5: So you've got like, I mean, a very common use
Speaker 5: for class actions is like car defects. Right, you got
Speaker 5: a car if three percent of the cars have an
Speaker 5: issue with the brakes, like you know, there'sons and thousands
Speaker 5: of cars, Yeah, that is a problem. But it's like
Speaker 5: how do you show or like a pacemaker. Oh, medical devices.
Speaker 5: Medical devices are usually mass towarts, which is different than
Speaker 5: class actions. Also a huge you know, conglomeration of cases
Speaker 5: in the court system. But everybody's got their own case,
Speaker 5: because if you get the pacemaker and I get the pacemaker,
Speaker 5: maybe you have a heart attack, I have a stroke.
Speaker 5: You know, what's your compensation versus mine?
Speaker 4: Crazy? Hey Chris, what's going on with you?
Speaker 6: Hey?
Speaker 13: Mark? Mine is more a cautionary tale than anything. But
Speaker 13: I do have a couple of questions as well. And
Speaker 13: this retains to a death that took place ten years ago,
Speaker 13: so we're we've lost everything. It was my ex husband
Speaker 13: and we've been divorced for many years, and the last
Speaker 13: two to three years of his life he had a
Speaker 13: common law wife.
Speaker 4: He died ten years ago. Yes, and then when he
Speaker 4: died ten years ago, how long had he had a Well,
Speaker 4: when you say common law, I mean I don't really
Speaker 4: think it matters. I mean, if they file tax he
Speaker 4: turns together, go ahead, it does, Okay? She well, ask
Speaker 4: you something, Just hold on. I want to understand something, Chris.
Speaker 4: Is your intention of talking and just using the word
Speaker 4: common law, The fact that they really weren't married is
Speaker 4: that where you're going correct? Did they live together?
Speaker 14: Yes?
Speaker 4: Did they file tax returns together?
Speaker 8: No?
Speaker 4: Did they own a house together?
Speaker 13: No?
Speaker 4: Did they tell people in public they were married? Okay?
Speaker 4: Then why were they common law married? And who determined that?
Speaker 13: The state of Texas? Apparently?
Speaker 4: Okay, it just helped me out here. Why would the
Speaker 4: state of Texas determine that even though every question that
Speaker 4: I just asked you was a no. So what was there?
Speaker 11: If I take that back?
Speaker 13: Let me go back ten years after the day after
Speaker 13: he died, and we went down to Texas, my daughter,
Speaker 13: his heir, our daughter, I guess I should say. And
Speaker 13: the common law wife presented me with this document that
Speaker 13: said that it was a common law marriage. She wouldn't
Speaker 13: let me copy it. She wouldn't give me a copy
Speaker 13: of it. She said, go back to Denver.
Speaker 4: And I have never heard Now, first of all, we're
Speaker 4: in Colorado. But Dan, I'll ask you if you ever
Speaker 4: heard of a document that declares that you're common married.
Speaker 4: I just never heard of that.
Speaker 11: I have not.
Speaker 4: I mean, that's usually a marriage.
Speaker 13: The whole point of commence exactly.
Speaker 4: No, that's not of common law. That's the whole purpose
Speaker 4: of marriage. A document that you're married. Hey, do me
Speaker 4: a favorite Kelly get get Bonnie shields On. I do
Speaker 4: want to ask her that question. But keep going, Chris.
Speaker 4: So she shows you this document. Let me guess what
Speaker 4: happens here. The husband passes away your ex and then
Speaker 4: instead of your kid getting everything, the common law or
Speaker 4: his wife got everything.
Speaker 11: Correct.
Speaker 4: Okay, but somewhire, Dan, I know this is Texas, but
Speaker 4: if this was Colorado, at some point some judge somewhere
Speaker 4: agreed that the daughter would get everything right, cred that
Speaker 4: the spouse got everything. Oh, I'm sorry, the spouse got everything. Yeah,
Speaker 4: that can get time and dido.
Speaker 5: Sometimes we will put in a probate application, say this
Speaker 5: is the spouse. We all say that they are the
Speaker 5: common law spouse. But you notify everyone and let them know.
Speaker 5: If you disagree, come present you know your case?
Speaker 4: Did you? Did you present your case?
Speaker 11: Chris?
Speaker 4: At that time, I'm just.
Speaker 13: Saying, here's what happened.
Speaker 8: Okay.
Speaker 13: The I never I couldn't even tell you what the
Speaker 13: document said at this point and couldn't get a copy
Speaker 13: of it.
Speaker 4: But it doesn't even matter what it said, because at
Speaker 4: some point after he passed that.
Speaker 13: Then though Mark, I didn't know what the rules were
Speaker 13: or not for common law marriage. And I come back
Speaker 13: to Denver and I'm calling every county in Colorado trying
Speaker 13: trying to find somebody that can prove that they were
Speaker 13: common law married, and of course nobody has any record
Speaker 13: of that.
Speaker 4: All right, hold on, Let's let me take this break.
Speaker 4: I promise I'll bring you right up after the break.
Speaker 4: I'm dying to see kind of where this goes, because
Speaker 4: at some point it went through either probate, it went
Speaker 4: somewhere right, Dan and the wife ended up with the money.
Speaker 4: But this is I do want to get Bonnie Shields
Speaker 4: on to see if she's ever heard of anything like this. Everybody,
Speaker 4: hold on.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com. You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free, no obligation. In comparison,
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three O three seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank Durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five three oh three Martino. By the way, this
Speaker 4: hour brought to you by Frank Duran, the real estate man.
Speaker 4: Frank Duran made us so much money in our house
Speaker 4: in Castlerock. You know, he sold our model for more
Speaker 4: than that same model sold for anywhere else in the neighborhood.
Speaker 4: And he did it with his secret sauce. And by
Speaker 4: the way, Frank Durant sells more homes listen to this,
Speaker 4: more homes in one month than the average colorad and
Speaker 4: sells in over a year and two months. Think about that,
Speaker 4: and you don't believe it, go to MLS look it up.
Speaker 4: The stats are the stats, all right, simple as that,
Speaker 4: Frank Durant Holmes dot com. And then, of course when
Speaker 4: he helped us buy our house in uh franktown man,
Speaker 4: did he beat up the other people? He beat him up.
Speaker 4: He helped us negotiate that. He's just a great guy,
Speaker 4: Frank Durant, Holmes dot Com. Now I'm going to go
Speaker 4: back to Chris. So, Chris, continue your story. Ten years
Speaker 4: ago you basically your your her husband died and he
Speaker 4: apparently got remarried, but they didn't actually get married. The
Speaker 4: judge basically said, well, no, you actually said you saw
Speaker 4: a document from her, although you could never find where
Speaker 4: that document came from or find it again, that said
Speaker 4: they were common law married, right, Chris.
Speaker 13: Correct, except that we never got to a judge.
Speaker 4: You never Okay, hold on, I wanted to ask Bonnie
Speaker 4: Shield something. I have two attorneys involved in this. Dan
Speaker 4: McKenzie is going to jump in on part of it.
Speaker 4: But Bonnie, I wanted to ask you this. Have you
Speaker 4: ever seen a document in your life from any state
Speaker 4: we happen to be talking about Texas that literally says
Speaker 4: I assume it's or Colorado, anywhere I don't care, Bonnie,
Speaker 4: anywhere that says someone's common law married. Wouldn't that be
Speaker 4: called an actual marriage a marriage certificate?
Speaker 7: Not at all?
Speaker 12: I see him. I've seen several. They're usually called after
Speaker 12: David of common law marriage. Wow, it happens that I
Speaker 12: see it. Poor when you go into your HR and say,
Speaker 12: I'm coming on married. I want to put my wife
Speaker 12: on my health insurance. I've got a police department require it,
Speaker 12: got it? So I have, and I have one in
Speaker 12: a case. Currently, there's an affidavit or fancy for something else.
Speaker 4: So body once that's in place, if there ever was
Speaker 4: an argument upon death, for example, if that was the
Speaker 4: wife or not, that Affidavid would pretty much prove in
Speaker 4: most circumstances. I'm not saying it could have been phonied
Speaker 4: up or something, but in most circumstances they are married.
Speaker 12: Well, it's it's still iffy. And the reasons I actually
Speaker 12: the one I had where it was a police department
Speaker 12: Affidavid that the one of the party signed. We went
Speaker 12: to court many years later and I got the judge
Speaker 12: to find there was no common law marriage because their
Speaker 12: actions after that like filing separate tax return.
Speaker 4: So they did it just for whatever benefited at the time.
Speaker 4: Was your argument. Okay, hold on, So this isn't going
Speaker 4: to be as quick as I thought. So if you
Speaker 4: can hold on, that'd be great, Bonnie, because we're up
Speaker 4: against it. But Chris, so, now we're ten years later,
Speaker 4: he died and basically the wife instead of his daughter
Speaker 4: with you got everything? Is that part correct?
Speaker 13: Correct? Mark? And now that we've got this affidavit thing
Speaker 13: nailed down, I'm pretty sure that's what happened because he
Speaker 13: came down with cancer he had no insurance.
Speaker 4: The woman there, all right, hold on, hold on, hold on,
Speaker 4: we'll come back to that, Bonnie. Just if you can
Speaker 4: hang on greater, I can have Kelly call you back
Speaker 4: wherever you want to handle it. And Dick, I promise
Speaker 4: I got an insurance expert if I can't answer it.
Speaker 4: And then we have two lines open. Three oh three
Speaker 4: seven one three eight two five five three oh three Martino.
Speaker 10: Go with a sure thing Denver's Best Roof for Excel
Speaker 10: Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free, no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three oh three, seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 4: Rip of news.
Speaker 1: You needed, that's who you don't have. Come Run anxious
Speaker 1: as fast as you can. Shooter's gonna help.
Speaker 4: Come man, This is the Troubleshooter Show.
Speaker 3: No Tom Martine, Welcome, Welcome to be the only show
Speaker 3: if it's came.
Speaker 4: We're here to solve problems, answer your question, take complaints.
Speaker 4: Our goal in life is to make your life just
Speaker 4: a little bit better. That's it. I mean, really, you've
Speaker 4: been ripped off for taking advantage of a bad contractor,
Speaker 4: or you just need help from an attorney, someone to
Speaker 4: talk to. If we can't answer it, We've got a
Speaker 4: list of people at referral list dot com that can
Speaker 4: jump right in. And by the way, if you're a
Speaker 4: good business, and I mean it, you got to be
Speaker 4: a good business. You got to be willing to sign
Speaker 4: our code of ethics and we can go over all
Speaker 4: that with you. But if you have interest in joining
Speaker 4: the referral list, please reach out to us at help
Speaker 4: ht LP at troubleshooter dot com and anybody we talk
Speaker 4: about turning the show you can find on referral list
Speaker 4: dot com and once again referral list dot com. Now,
Speaker 4: I want to go back to Chris and get this
Speaker 4: finished up since we have our expert, Bonnie Shields on.
Speaker 4: But Chris, so what, I'm going to lock you in
Speaker 4: and I'm gonna lock Bonnie in right here. Hey, Bonnie,
Speaker 4: do I got you? Bonnie oh I'm here yet. Okay, excellent. So,
Speaker 4: so I want to see where we're going with this. Bonnie.
Speaker 4: You were saying you had somebody years ago. Let's let
Speaker 4: Chris finish up where she's going with this. So, so
Speaker 4: Chris ten years ago, and I got a recapp because
Speaker 4: we get a new audience. So ten years ago, your
Speaker 4: husband passed away.
Speaker 13: Right, correct, Well, my ex husband.
Speaker 4: Ex husband passed away, and you guys had a kid,
Speaker 4: a daughter, correct, And when he passed away, you thought
Speaker 4: everything was going to the kid, correct, correct, But it didn't.
Speaker 4: It ended up going to a common law wife. And
Speaker 4: at some point she went out and got some form
Speaker 4: of AFFI David for some reason. And Bonnie said, that
Speaker 4: could have been anything, to get on an insurance policy.
Speaker 4: It could have been for anything.
Speaker 13: So when he came down with cancer and had no insurance,
Speaker 13: they did this document that was necessary for him to
Speaker 13: get on her and sure that were.
Speaker 4: Oh my god, Dan Mackenzie's listening to this too, hey, Bonnie.
Speaker 4: So what happened in the case you were talking about
Speaker 4: where it was kind of similar to this. Did you
Speaker 4: end up arguing in front of the judge or during
Speaker 4: probate or what? How did it go down.
Speaker 12: Yeah, we had a hearing and I just had a
Speaker 12: lot of evidence that they but after they signed that
Speaker 12: that they didn't really go by it, and like filing
Speaker 12: tax returns like you're not married. That's you know, that's
Speaker 12: a really big one. There was that one. And the
Speaker 12: other party had been applying for all kinds of government
Speaker 12: aid everything that she could find and claiming that she
Speaker 12: was a single mom with no income and getting all
Speaker 12: these government benefits. And the judge said, yeah, that Affidavid,
Speaker 12: that was just because you guys needed health insurance and
Speaker 12: it you didn't really consider yourself married, because common law
Speaker 12: marriage is all about what do you hold yourself out
Speaker 12: to the public?
Speaker 4: Yeah, are you married or not?
Speaker 12: Yeah, everything they did after they sign that said we're
Speaker 12: not married.
Speaker 4: So Chris, so with Bonnie and now I completely understand
Speaker 4: at least you know how this could go either way,
Speaker 4: I mean, basically married or not. At some point didn't
Speaker 4: did you not argue to the judge during probate? Was
Speaker 4: probate opened up?
Speaker 13: As you can imagine, it's a very long complicated story
Speaker 13: with many people.
Speaker 4: Well, we don't need to get it that complicated. Was
Speaker 4: your probate?
Speaker 13: The bottom line which is why I said this was
Speaker 13: a cautionary tale, is that we did not go seek
Speaker 13: legal advice, got it, and then the time ran out,
Speaker 13: and my daughter was in charge. Although I was guiding her.
Speaker 13: She she was promised by family members just stand back,
Speaker 13: stand by everything. That's going to be fine until the
Speaker 13: time ran out, and then she got the and law
Speaker 13: wife made sure she had her name on everything, and
Speaker 13: we lost.
Speaker 4: That's incredible. Since then, that's absolutely an incredible cautionary tale.
Speaker 13: Exactly exactly. And this affidavit of marriage, for whatever reason,
Speaker 13: is really irrelevant in our story at this time, because no.
Speaker 4: But it's not irrelevant to people listening out there. That's
Speaker 4: why at all.
Speaker 13: People need to be aware of what the rules are
Speaker 13: for common law marriage because none none of us knew,
Speaker 13: none of his family, none of his friends, nobody knew
Speaker 13: about this common law marriage until after he was dead.
Speaker 4: Yeah, I get it. It's insane, Chris, and I appreciate
Speaker 4: you calling about that. You know, it's a horrible tale,
Speaker 4: but it's a great tale for people listening. And I
Speaker 4: want to tell everybody out there too. Family law. That's
Speaker 4: Bonnie Shields. You hear talking anything divorce, child custody, uh,
Speaker 4: pretty much. You name it. That's what Bonnie Shields does.
Speaker 4: I mean, that's about it, right, Bonnie. I mean anything
Speaker 4: that falls under family law.
Speaker 12: Yep, yep, there's there's a law. I will tell you
Speaker 12: common law marriage. Of all the subjects that I've dealt with,
Speaker 12: the last twenty two years, that is the most complicated,
Speaker 12: not complated. It's the most misunderstood. It's the most misunderstood.
Speaker 12: So if if you hear that word coming out, talk
Speaker 12: to somebody who knows what it really means, because it
Speaker 12: could make a big difference like this in the future.
Speaker 4: Yep. That's Bonnie Shields three oh three seven nine eight
Speaker 4: one nine two seven seven nine eight one nine two
Speaker 4: seven or Bonnie Shields Law dot com. Thank you Bonnie
Speaker 4: for that. Dan mackenzie, how many times have you had
Speaker 4: something similar to that happen? In other words, you have
Speaker 4: somebody that thought the money was going to go to
Speaker 4: their kid, not there, but the kid they had with
Speaker 4: the ex wife or the ex husband. And then someone's remarried,
Speaker 4: and then all of a sudden there's a spouse involved
Speaker 4: that no one kind of knew about, and this this, uh,
Speaker 4: this happens. I mean, that's an incredible tale she told.
Speaker 4: And what if she called you guys and it was
Speaker 4: in Colorado, what what advice would you give it to
Speaker 4: that point during probate, hire an attorney and we've got
Speaker 4: to prove they weren't actually common law married.
Speaker 11: Yeah.
Speaker 5: Uh, the questions you ran through earlier, are there are
Speaker 5: the right questions asking?
Speaker 4: It's not clear cut.
Speaker 5: Sometimes people think that, you know, if you live with
Speaker 5: someone for a certain amount of time, you're married, and
Speaker 5: that's not really it at all. It's are you holding
Speaker 5: yourself out as married? Do people think you're married?
Speaker 4: And so if you have every neighbor saying, hey, no,
Speaker 4: they just were roommates, they never we never thought they
Speaker 4: were married. Hell, they were dating other people.
Speaker 5: A problem is with the states and probates is just
Speaker 5: like it's a zero sum game. At the end of
Speaker 5: the day, every time that goes to that spouse, if
Speaker 5: it's a spouse, is not going to the daughter and
Speaker 5: vice versa.
Speaker 4: Like there's so either this and she can read because
Speaker 4: she's got full control of that money, she could redirect
Speaker 4: it to her kids. She oh, it's hers. Why would
Speaker 4: she give it to the Why would they give it
Speaker 4: to this daughter stepdaughter? I guess have you seen injustices
Speaker 4: like that that?
Speaker 5: I mean that really it goes both ways. I mean,
Speaker 5: the spouse might be desperate. The spouse might be living
Speaker 5: in this house and have no ownership interest in it,
Speaker 5: and suddenly they're like, ill, maybe out on the street,
Speaker 5: I need to like we were married. Yeah, So it
Speaker 5: does go both ways. Sometimes it's the spouse who is
Speaker 5: the sympathetic character.
Speaker 4: So if someone has a trust right now, and or
Speaker 4: they've had a trust for a while and they were
Speaker 4: married to person one and at some point there's been
Speaker 4: a divorce and there's just been differences. Now I don't
Speaker 4: care if they're remarried or not, but they're not living
Speaker 4: together and let's say the kids are going back and
Speaker 4: forth or whatever. I mean, at that point, you'd be
Speaker 4: crazy not to redo the trust or at least have
Speaker 4: someone look at it and tell you what could happen.
Speaker 5: Yeah, you got to, Yeah, take everything out of that
Speaker 5: trust and do it again, right, do it?
Speaker 4: And I said something there that's interesting. There'd be no
Speaker 4: reason to hire you or in my opinion, any other
Speaker 4: attorney to look at a trust you have now, simply
Speaker 4: because why not just create a new one? Right? If
Speaker 4: the change. Is that dramatic?
Speaker 5: We're divorced now, Yeah, and I created a trust with
Speaker 5: my ex spouse. There's just no way we're going to
Speaker 5: set it up again with the xpouse, right, So it's
Speaker 5: going to be a new trust.
Speaker 4: It's going to be a new trust altogether. What a
Speaker 4: crazy deal? Three oh three seven, one, three eight two
Speaker 4: five five two lines open?
Speaker 7: Dick?
Speaker 4: What's going on with you? Hey, Dick? Here are you?
Speaker 11: I'm fine?
Speaker 4: What's your question?
Speaker 8: Sir?
Speaker 11: Well, you know, I'm probably like a lot of people
Speaker 11: in the state. Uh, insurance rates I have gone up appreciably,
Speaker 11: and I'm trying to find that, you know, I'm trying
Speaker 11: to find out if there's a somewhere that is a
Speaker 11: how do I say that is not a somebody that's
Speaker 11: being funded by some insurance company or some of the
Speaker 11: company that would tell us, like claims rate, who has
Speaker 11: paid their claims here in Colorado? Because I've heard a
Speaker 11: lot of stories about do you mean.
Speaker 4: Who's paid their claims? I mean, what, for example, what
Speaker 4: insurance company is better at paying claims than others?
Speaker 11: Exactly? Exactly.
Speaker 4: Well, Compass Insurance deals with thirty plus companies. They're going
Speaker 4: to be able to tell you the best, and they
Speaker 4: could definitely tell you the worst as well.
Speaker 11: Well. Unfortunately, Compass could not find anybody.
Speaker 4: Now, why couldn't they find somebody for you?
Speaker 11: I they said something to do with the age of
Speaker 11: my roof, and this and that and the other. I've
Speaker 11: got insurance right now, I've had other company. But he's
Speaker 11: quote on this. Yeah. My concern is that some of
Speaker 11: the I don't want to get into who's quoting, but
Speaker 11: some of the companies that have quoted, I don't know
Speaker 11: if if in fact, you know, the bottom line is
Speaker 11: at the end of the day, is that company going
Speaker 11: to pay the claim? Number one? Number two is the
Speaker 11: claims are what you're going to have to go through
Speaker 11: to get them to pay the claim? Is it work?
Speaker 11: You know? Is it worse what I'm paying them to do?
Speaker 4: I got you hold on, let me take this break.
Speaker 4: I got a lot to digest there, and I've got
Speaker 4: a lot of comments on that. One of them is
Speaker 4: a company called SAFECode that I have right now, and
Speaker 4: I had to fight tooth and now I literally, I
Speaker 4: literally know exactly what this guy's asking, as crazy as
Speaker 4: it is, and I'll tell you what I went through
Speaker 4: and then hopefully I'll know the name of the company
Speaker 4: you're dealing with and can give you some insight, or
Speaker 4: we can find it out. The other thing we got cooking, well,
Speaker 4: we've got a lot cooking. We got one line open
Speaker 4: three oh three seven one three eight two five five.
Speaker 4: Can't you hold on? He's got a question for Dan
Speaker 4: as well.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 4: You don't pay a.
Speaker 2: Cent until you're contenth.
Speaker 10: Time for an insurance check up, free no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three oh three seven
Speaker 10: seven to one help. You'll think you're his only customer
Speaker 10: when you choose Frank Durand the real estate Man dot
Speaker 10: com to list your home with Remax Alliance three oh
Speaker 10: three nine two zero sixteen twenty two.
Speaker 4: All right, two oh three seven one three eight two
Speaker 4: five five three oh three Martino. By the way, uh,
Speaker 4: this hour brought to you by Paul the waterman Man.
Speaker 4: He's got the best systems out here. He's got one
Speaker 4: for listening to this lesson thirty six hundred. This thing
Speaker 4: does a water softening it gets rid of chlorine. And
Speaker 4: then on top of that, probably my favorite part of it, well,
Speaker 4: I like the water softening he did our water softener.
Speaker 4: Check this out. It gets rid of forever chemicals in
Speaker 4: your entire house. All the water you, your family, your kids drink.
Speaker 4: All these forever chemicals you hear about, They're not going
Speaker 4: to be in your water supply under thirty six hundred bucks.
Speaker 4: Whole house. We're not talking point of use under one sink,
Speaker 4: the entire house, water softening, forever chemicals gone, and the
Speaker 4: chlorine brought down. It's an unbelievable deal. Under thirty six
Speaker 4: hundred bucks. The competition is over ten grand. I've seen
Speaker 4: him as high as fifteen. Check him out at waterpros
Speaker 4: dot net. Waterpros dot net. Now, Dick, he had a
Speaker 4: question on insurance companies. I'm going to tell you something, Dick.
Speaker 4: I can't stand any of them right now. I really can't.
Speaker 4: Which one are you looking at. I'm going to tell
Speaker 4: you my thing was Safeco. Safeco told me Pound Sand
Speaker 4: you don't have any damage. I got Matt, I got
Speaker 4: Matt involved, and I don't want to get into Paragon services.
Speaker 4: But he's a public adjuster. But Basically, he came out
Speaker 4: and I just got settlement yesterday for thirty seven thousand dollars.
Speaker 4: So I went from you don't have any damage to
Speaker 4: a check for thirty seven thousand, and it took me
Speaker 4: over a year. It took me a year to get it. Now,
Speaker 4: it wasn't Safeco, but it was the insurance company I
Speaker 4: had right before Safeco five years ago, hailstorm. I call
Speaker 4: him up, they say no damage. About six months later,
Speaker 4: I see both my neighbors getting a new roof. I
Speaker 4: called Matt at Paragon back then too. He came out
Speaker 4: eighty thousand dollars. Both times two different insurance companies, and
Speaker 4: Safeco's supposed to be a good one. Both of them
Speaker 4: said sorry, you're not getting any scratch from us. And
Speaker 4: both times, after I got a public adjuster involved, I
Speaker 4: got paid. So to me, they all suck.
Speaker 11: Well. And that's and that's the problem you're trying to
Speaker 11: or I'm trying to avoid.
Speaker 4: Who are you talking about right now? See, unless if
Speaker 4: it's chub trouble, pay you, but Chuble won't now might
Speaker 4: not cover you.
Speaker 11: Well, I've got four different companies that are quoting on
Speaker 11: it right now. That's what happens to be that safe
Speaker 11: Safe Co is the one that is ensuring my autos
Speaker 11: in my home right now. My problem with them is
Speaker 11: that in the last two years they virtually doubled my rate.
Speaker 4: Yeah, well that you're going to find that everywhere.
Speaker 11: De side of that. Look, yeah, I'm sorry.
Speaker 4: What you're going to find the rate doubling everywhere? But
Speaker 4: who are you quoting besides Safeco? And they're not going
Speaker 4: to drop you or anything? Right or are they.
Speaker 11: No, they're not going to drop me. It's just that
Speaker 11: that the price has gotten to the point where I
Speaker 11: say I've got to I've got to take you.
Speaker 4: You're saying, uncle, uncle, I get So who are you quoting?
Speaker 15: All?
Speaker 11: State, State Farm, American Family, and Farmers.
Speaker 4: Okay, first of all, I'm only going to tell you
Speaker 4: I don't like really any of them, and I have
Speaker 4: recently got quotes from all of them. I'm going to
Speaker 4: tell you one thing I don't want to happen. I
Speaker 4: absolutely don't. And I just knew this. I just know
Speaker 4: it from the show because I do this show. But
Speaker 4: so I quoted with Farmers and State Farm last year.
Speaker 4: I think it was around Novembers when my renewal is,
Speaker 4: and Farmers gave me a deal I couldn't refuse. In fact,
Speaker 4: it was so good, I was like, this is crazy.
Speaker 4: It wasn't an ACV. It was like a five thousand
Speaker 4: dollars deductible, which is fine with me. I don't care.
Speaker 4: And it was everything I wanted in a bag of chips.
Speaker 4: But I thought it was too good to be true,
Speaker 4: so I did not cancel my Safeco. Sure enough, Farmers
Speaker 4: sent out someone to eyeball our property and it was
Speaker 4: too much for them. And what I mean by that
Speaker 4: is we're in the woods, and they looked at the trees,
Speaker 4: they looked at what the total loss could be, and
Speaker 4: they declined it. So I only had a thirty day
Speaker 4: binder by the agent that happened to be an Elizabeth.
Speaker 4: And by the way, if you're that agent and Elizabeth,
Speaker 4: you suck, You suck, because I told you this was
Speaker 4: gonna happen. If I knew her full name, i'd give
Speaker 4: it out right now. I'm so mad just thinking about her.
Speaker 4: It's insane. I told her, is there any way they
Speaker 4: can cancel it? Is there anyway? And I called up
Speaker 4: Brian Burnsey compass. He goes, you're insane to cancel Safego.
Speaker 4: First of all, if you wait, they'll let you cancel
Speaker 4: in the rears and you'll get all that money. It's
Speaker 4: not like you can have double insurance. But the bottom
Speaker 4: line is that, so if anything comes out of this
Speaker 4: conversation that I'm dominating with you, Dick, it's this, You
Speaker 4: do not cancel that damn Safego until you have a
Speaker 4: fully operational, not some thirty or sixty day binder from
Speaker 4: the agency. But every one of those companies you name
Speaker 4: suck in my opinion.
Speaker 11: Okay, excuse me, And that's what I was trying to find,
Speaker 11: doubt or if there was somewhere that would tell you
Speaker 11: they're playing their claims, paying frequency or the difficulty of
Speaker 11: working Dick.
Speaker 4: They also, I just told you the last two I had,
Speaker 4: I literally had to threaten legal action and hire a
Speaker 4: public adjuster to get paid. They outright denied claims. Sure
Speaker 4: they're all listen, let me tell you. They don't call
Speaker 4: them adjusters. I don't even know why they call them adjusters.
Speaker 4: Has anybody here ever had an insurance adjuster actually adjust up?
Speaker 4: Have you ever seen that happen? Oh wait a minute,
Speaker 4: wait a minute. We don't want to give you twenty
Speaker 4: thousand eight, Where will we give you fifty? I've never
Speaker 4: seen that. All they do is do they deny, deny, deny.
Speaker 4: It's their whole business model, in my opinion, every one
Speaker 4: of them. Does anybody here like any insurance company? I
Speaker 4: love people to go. Oh, I love All State. I've
Speaker 4: had them thirty years and I say, hey, have you
Speaker 4: ever had a claim? And you know what they say, No,
Speaker 4: I've never. How do you even know you like them?
Speaker 4: You've never had to deal with them? Dick, do you
Speaker 4: have any more questions? I'm sure I'm talking your ear off.
Speaker 11: No, sir, No, I I think you kind of answered
Speaker 11: my question, which is what I was afraid of. Yeah,
Speaker 11: there is no place you can really go. I mean
Speaker 11: you can go online and who's the top ten insurers?
Speaker 4: And three you threaten the lawsuit will eventually pay you.
Speaker 4: That's how it worked for me at least. Yeah, So
Speaker 4: that's fine.
Speaker 11: I appreciate the time, I appreciate the information, and thank you.
Speaker 11: I guess we just have to play it by her.
Speaker 4: Yeah, I'll just make sure. The one thing you're not
Speaker 4: going to do is what.
Speaker 11: Yeah, well, I'm not going to cancel the safeg policy,
Speaker 11: which automatically. They they've got my credit card, so they'll
Speaker 11: go ahead and they'll h you know, and save the policy.
Speaker 11: And then what I may do is shop around and
Speaker 11: make sure I've got some other insurance.
Speaker 4: And you make sure it's not just a writer. Listen
Speaker 4: to me. You make sure that it's not just a
Speaker 4: binded policy by the agent. That's how they'll trick you.
Speaker 4: Then you're screwed. Don't allow it. You make sure you
Speaker 4: have a fully enforced one six month whatever term policy
Speaker 4: you're buying. Dick, I appreciate it. And if Safeco or
Speaker 4: whoever you end up with doesn't pay you when you
Speaker 4: have a claim, I will help you kick them in
Speaker 4: the nuts. Three zero three seven one three eight two
Speaker 4: five five Dan Mackenzie, I get so fired up on
Speaker 4: insurance companies. You deal with life insurance a lot, right, Yes,
Speaker 4: So are they a pain in the ass? I mean,
Speaker 4: just say it. You don't have to give names to
Speaker 4: different companies. I mean, does it take like if I
Speaker 4: have a million dollar policy and I die? In general,
Speaker 4: how long does it take my spouse or my kids
Speaker 4: to get the money.
Speaker 5: It's usually very fast, depending you know, if the person
Speaker 5: who had the policy has named a doesnate a beneficiary.
Speaker 5: I mean, that is a contract with them, and it's
Speaker 5: pretty clear then they're going to do it.
Speaker 4: So it's pretty unless if it's something like suicide in
Speaker 4: the first year or something. Obviously those things they can
Speaker 4: lead to destigations.
Speaker 5: Yeah, we have somebody who bought a policy really like
Speaker 5: the person died too soon afterwards, and they're kind of
Speaker 5: contesting that.
Speaker 4: So we're seeing some delay there. What is too soon?
Speaker 5: Like they bought the policy and then the person died
Speaker 5: like within I forget how much time they had before.
Speaker 4: It's like they were really going to pay out. Yeah,
Speaker 4: but just like you said, isn't that contractual?
Speaker 5: Or they are so they're saying, I was in the
Speaker 5: contract right, We're not going to pay for the death if.
Speaker 4: It's under thirty days or whatever. So you're arguing that,
Speaker 4: what's the basis for the argument? We're not, are you
Speaker 4: right now?
Speaker 5: I think they are going to get it and they're
Speaker 5: taking care of it on their own, So I'm not
Speaker 5: kind of involved in that.
Speaker 4: Wow. Yeah, does that happen? A lot of people fall
Speaker 4: outside now because most of those policies, you know, we
Speaker 4: all see the movies, you know, Yeah, the wife dies
Speaker 4: and the husband just got a life insurance policy, you know,
Speaker 4: six months before for some outrageous amount of money, and
Speaker 4: she slips and falls down the stairs. But in general, people,
Speaker 4: these policies like Suzanna and I are life insurance policies.
Speaker 4: I think I in when I was thirty five on
Speaker 4: a thirty year policy. That way, you know, it doesn't
Speaker 4: get super expensive into my sixties. It's still very reasonable.
Speaker 4: But I got to keep it going for thirty years.
Speaker 4: So I mean our policies are you know, we're almost
Speaker 4: twenty years into these Yeah, wouldn't you say that's more average? Sure?
Speaker 5: Yeah, yeah, and at that point maybe you don't need
Speaker 5: life insurance anymore as kind of the thought.
Speaker 4: But you can analyze that. But yeah, I don't.
Speaker 5: I don't run into denial of insurance claims in that
Speaker 5: area like you do in these property insurance.
Speaker 4: And have you ever been denied a claim on say
Speaker 4: your house or your car or anything like that?
Speaker 5: Me personally, no, okay, but you know people, oh sure, yeah,
Speaker 5: it's the entire Yeah.
Speaker 4: Yeah, I mean all you have to do is wake
Speaker 4: up and just look and you'll see ten of them.
Speaker 4: Oh yeah, what's your question for Dan?
Speaker 16: Hey?
Speaker 15: Cam?
Speaker 4: Oh, right, I'm doing good after that last guy got
Speaker 4: me all rolled up.
Speaker 15: My question is kind of relates to the state. I
Speaker 15: guess it's my parents. They've I mean it recently inherited
Speaker 15: my grandmother's estate. They've they wanted to pass it through
Speaker 15: that they they ended up not doing that, but they're
Speaker 15: they're My question is how fast do they need to
Speaker 15: look at getting into a trust because they've.
Speaker 4: They've had they have a will.
Speaker 15: It's was abroad twenty years ago. Uh, there's state before
Speaker 15: that was probably worth five million, and now they've probably
Speaker 15: added another seven to eight million onto that. So my
Speaker 15: I guess, my, how quick do we need to expedite that?
Speaker 15: They seem a little their little old faction.
Speaker 4: Then, oh, Jackie, is it just you give us a
Speaker 4: little information on the family. So your grandmother died, I
Speaker 4: assume that was the last bit of money that would
Speaker 4: be passed on to your parents or is there another
Speaker 4: side that's still.
Speaker 15: I hope that that will be the last.
Speaker 4: That's all fair, So your parents it all went to them,
Speaker 4: So in other words, there's no or whatever went to
Speaker 4: them they now have correct And then how about you?
Speaker 4: Are you the only child? Do you have siblings?
Speaker 11: No?
Speaker 14: I have a sibling.
Speaker 15: But my biggest question is just, you know, yeah, how
Speaker 15: fast I think there will is going to be you know,
Speaker 15: outdated as far as covering, And what do we need
Speaker 15: to do to get this into the trust or does
Speaker 15: it make sense to put it into a trust? I
Speaker 15: guess just looking for some GUIDs.
Speaker 4: Well, okay, it's kind of funny because I want to
Speaker 4: ask Dan this because there's two there's two perspectives here.
Speaker 4: There's Jack's perspective or Ken's perspective. I'm sorry, Kent, And
Speaker 4: then on top of that, there's the parents perspective. And
Speaker 4: I've always said this to you, Dan, like I paid
Speaker 4: for my parents trust because ultimately I'm the beneficiary. So
Speaker 4: I mean, I never thought, why wouldn't you. I would
Speaker 4: think a lot of kids should pay for the trust.
Speaker 4: I mean I don't know why they wouldn't, but whatever,
Speaker 4: But when someone hires you, even if Kent's paying for it,
Speaker 4: you still have to look for the parents' wishes, right,
Speaker 4: That's the problem.
Speaker 5: So we have ethical rules, you know, they really are
Speaker 5: for litigators, but we all all attorneys are governed by
Speaker 5: the same rules. So the Bar Association doesn't want people
Speaker 5: paying for lawsuits like, you know, to encourage litigation. So
Speaker 5: we got all these rules around who can pay for who,
Speaker 5: and yes, people can pay for someone else's estate plan.
Speaker 5: But it's like going pretty clear, like you're not the client.
Speaker 5: And if they come in and say, you know what
Speaker 5: we're going to create, we actually don't like mark and
Speaker 5: we're cutting them out. Yeah, it's pretty awkward, of course.
Speaker 11: And.
Speaker 4: You might be a little annoyed when that plan comes
Speaker 4: to light. But to go to his particular question, Kent's
Speaker 4: basically saying, they just inherit this. I counted a little
Speaker 4: over ten million there. I mean, how I don't know
Speaker 4: the health your parents are in Kent, but he does
Speaker 4: have a good question, how quick should they be moving
Speaker 4: on this if their will's twenty years twenty years old,
Speaker 4: but if it's only him and one sibling and basically property,
Speaker 4: I mean, well there could be a lot of tax
Speaker 4: ramifications to them. Huh yeah, Well why aren't they going
Speaker 4: to die?
Speaker 15: Well, that's that's kind of one of the issues. My
Speaker 15: dad has recently been diagnosed with Alzheimer's. He's seventy nine,
Speaker 15: and my mom's saying.
Speaker 4: Okay, it's urgent, Kent.
Speaker 5: I mean, he's got to have capacity to sign the document, right,
Speaker 5: he's got a twenty year old. The biggest problems we
Speaker 5: run into are it's not Intestine. They've got a twenty
Speaker 5: year old will. So the biggest problems we run into
Speaker 5: actually in probate process, that our documents are way out
Speaker 5: of date and leaving you probably have a guardian. You
Speaker 5: ready to go live with your uncle.
Speaker 4: I mean that's kind of a joke. You're not going
Speaker 4: to get sent to live with your uncle.
Speaker 5: But you know, you've probably got people in there that
Speaker 5: are going to be fiduciaries and aren't you and maybe
Speaker 5: you or your brothers should be those people.
Speaker 4: Now how old are you three? Okay, maybe you are
Speaker 4: the per and their money.
Speaker 15: I don't need I mean, it's they're just it's just
Speaker 15: been making well they're doing what makes sense in the
Speaker 15: long term.
Speaker 4: Well what makes sense is they go in and visit
Speaker 4: with Dan or visit with an estate planner. I mean,
Speaker 4: no matter what, even for asset protection, for for anything.
Speaker 4: I mean, I think there's too much money there to
Speaker 4: you know, try to hide, not hide, but try to
Speaker 4: uh how do I put this? Not not pay medicaid?
Speaker 4: I guess that's the only way I can put it
Speaker 4: or not have Medicaid come after some of the assets.
Speaker 4: I would say that's probably a little too high in general.
Speaker 5: Right, Yeah, I'd be surprised if someone on twelve million
Speaker 5: bucks wanted to subject themselves.
Speaker 4: To Medicaid coverage. Yeah, it'd be kind of to Oh yeah, exactly.
Speaker 4: That's the other side to it. They want to stay
Speaker 4: in a place other than Motel six. So but ket
Speaker 4: you got to tell them to get on it. But
Speaker 4: that's that goes back to the conversation that we started
Speaker 4: this with. So ultimately, what I did is I told
Speaker 4: my parents, you go out, you do it, and then
Speaker 4: I'm just going to reimburse you because I found that
Speaker 4: the best way. Or buy him a bedroom set or
Speaker 4: what you know, whatever it is to where I end
Speaker 4: up paying for it. I mean, you don't see any
Speaker 4: issue there, right, Oh no, I mean because they paid
Speaker 4: for it, and big deal, I buy him something.
Speaker 11: Yep.
Speaker 4: So but cant that's something maybe you and your sibling go, hey,
Speaker 4: you know, let's uh, maybe you and I talked to
Speaker 4: somebody called Dan up and hire him like like like
Speaker 4: we said, though, there's there's certain things. Yeah, just call
Speaker 4: him off air and talk to him about it man. Yeah, yeah, yeah.
Speaker 4: Are they in Colorado?
Speaker 14: Yeah?
Speaker 4: Are they in Colorado?
Speaker 14: They're in Wyoming.
Speaker 5: Okay, they need a Wyoming attorning the Yeah, you definitely
Speaker 5: need a Wyoming Hey, I appreciate any other questions.
Speaker 4: Hey, thanks? Can I appreciate that? Three oh three seven
Speaker 4: one three eight two five five. We've got someone's got
Speaker 4: a question on trust issue with an HOA and whoever's
Speaker 4: online one, I pray it's not Drew.
Speaker 10: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 10: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three all three seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: all three nine two zero sixteen twenty two.
Speaker 4: All right, everybody three zero three seven one three eight
Speaker 4: two five five. During the break, Dmitri Deputy d was
Speaker 4: reminding me of a dog at large ticket I had
Speaker 4: years ago, maybe one of these days. Maybe one of
Speaker 4: these days I'll tell the story on air, but I
Speaker 4: will finish it up during the break if you go
Speaker 4: to our YouTube YouTube dot com Troubleshooter Network, And yes,
Speaker 4: these are true stories. Unfortunately, I have the neighbors that
Speaker 4: remember from Castle Rock with absolutely no doubt, and one
Speaker 4: of the attorneys that I ultimately ended up getting it
Speaker 4: into with years later. But that's just a side note
Speaker 4: on that. Let's go right back where did we leave off?
Speaker 11: Here?
Speaker 4: Don I do have an update?
Speaker 17: Okay, because you know you kind of told me on
Speaker 17: the break that I'm too nice.
Speaker 4: No I didn't say you're too nice? Okay, no, no, no, no, no.
Speaker 4: You want to have this conversation on air, We're having it.
Speaker 17: We're having it because I need to tell you, Okay,
Speaker 17: go ahead, that a very nice lady called Drew. And Nope,
Speaker 17: not Drew, it's a lady, a lady she called and
Speaker 17: said the show is so good today and wanted to
Speaker 17: extend her regards to you.
Speaker 4: And what's her name? So you probably know what? You
Speaker 4: probably know her favorite meal, what color shoes she wears,
Speaker 4: wherever she lives, and the other eight hundred questions. Oh
Speaker 4: my god, So let me tell you my wife does it.
Speaker 4: My wife does it better than anybody. Now that sounds
Speaker 4: strange just in general. That could be taken in so
Speaker 4: many ways. But here's what I mean by it. Before Kelly,
Speaker 4: she would screen the calls, she's the executive producer, but
Speaker 4: she would also be back to and Suzanne does what Kelly,
Speaker 4: do you remember how we taught you back in the day. Yeah,
Speaker 4: I Troubleshooter show what's your first name? And then I
Speaker 4: don't do that? And you would say, example, you would say, well,
Speaker 4: I just want to know what's your first name? And
Speaker 4: then they give you a first name. I've that's your question.
Speaker 4: I've gotten better over the year. And that's it. Here's Kelly.
Speaker 4: Though I listened to her people on YouTube. Can hear
Speaker 4: Tom Martino show? Do you want to talk to Mark?
Speaker 11: Oh?
Speaker 4: By the way, what's the weather like where you're at? Oh?
Speaker 2: What what's your favorite meal?
Speaker 4: Oh? Do you like pie? Pie? Do you like compliment?
Speaker 10: Oh?
Speaker 8: Mark?
Speaker 4: Huh huh? Now wait a minute, Shannon, I want to
Speaker 4: bring you in on this real quick. No, you should
Speaker 4: break first. No, do you got to break? That's that's
Speaker 4: Kelly's fault as well.
Speaker 10: Hold on, go with a sure thing Denver's best roofer
Speaker 10: Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Time for an insurance checkup free, no obligation comparison call
Speaker 10: Compass Insurance paying too much your coverage at dozens of
Speaker 10: insurance companies find out now three O three seven seven
Speaker 10: to one help. You'll think you're his only customer when
Speaker 10: you choose Frank durand the real estate Man dot com
Speaker 10: to list your home with Remax Alliance three oh three
Speaker 10: nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five. I've got one. We're trying to get them on.
Speaker 4: I'm gonna get right back to the phones I promised,
Speaker 4: but we're gonna try to get one on.
Speaker 11: Uh.
Speaker 4: There's an HVAC company out there that has been using
Speaker 4: our good name, our intellectual property. To be quite Frank,
Speaker 4: that's driving me insane. I just got another complaint on them.
Speaker 4: The complaint within itself wasn't that bad. But when I
Speaker 4: looked at their invoice, their actual invoice, I don't have
Speaker 4: it right in front of me. Oh yeah, I do.
Speaker 4: I do have it right here. Their actual invoice says,
Speaker 4: this drove me crazy. In fact, my blood pressure literally
Speaker 4: is going up right now. We are recommended by Consumer
Speaker 4: Advocate Radio's Tom Martine. Yep, that's what it says. They
Speaker 4: must not know that is intellectual property. But that's okay.
Speaker 4: That's okay because I've already had this conversation with to
Speaker 4: these guys ten years ago. And when we get this
Speaker 4: caller who's got a problem with this company, I'm not
Speaker 4: even going to say the name of it now. I
Speaker 4: see your freaking vans all the time, though I'm not
Speaker 4: dropping it this time. I am not dropping it. You know,
Speaker 4: we don't recommend you. I assure you we don't recommend you.
Speaker 4: And if we did, it was fifteen years ago. Fifteen
Speaker 4: years ago, Alison Jack Sherry, I promise right after this break,
Speaker 4: I'm going directly to you three first one line, open,
Speaker 4: three oh three Martino, question on life insurance, comment on
Speaker 4: a trust and an issue with an ho AA, all
Speaker 4: that and a lot more right after this on the
Speaker 4: Troubleshooter Network.
Speaker 10: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 10: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: On top of it.
Speaker 10: Time for an insurance check up, free no obligation. In comparison,
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies. Find out now three oh three seven
Speaker 10: seven to one help. You'll think you're his only customer
Speaker 10: when you choose Frank durand the real estate Man dot
Speaker 10: com to list your home with Remax Alliance three oh
Speaker 10: three nine two zero sixteen twenty two.
Speaker 1: Ripped of.
Speaker 8: News so you don't have.
Speaker 18: Come.
Speaker 8: Runs as fast as we can.
Speaker 1: Show Shooter's gonna help.
Speaker 3: Come man, This is the Troubleshooter Show Now, Tom Martine, Welcome,
Speaker 3: Welcome to the only.
Speaker 4: Show if it's kind. We're here to solve problems, answer questions,
Speaker 4: take complaints. Our goal in life is to make your
Speaker 4: life a little bit better. I gotta tell everybody out
Speaker 4: there you should join us on YouTube. You go to
Speaker 4: YouTube dot com, type in trouble Shooter Network. If you're
Speaker 4: new to the show, share it with people. You can
Speaker 4: not only watch us, but you can hear us talk
Speaker 4: during the breaks outside of the commercials. It's kind of cool.
Speaker 4: But three zero three seven one, three eight two five
Speaker 4: five is the number to call right now or three
Speaker 4: zero three Martino any questions you have Attorney Dan McKenzie
Speaker 4: sits to my left, Deputy d to my right across
Speaker 4: the table. Deputy chopper he used to fly helicopters for
Speaker 4: Was it Denver PD chopper or was it a Denver
Speaker 4: Does the county have choppers?
Speaker 9: No, the it's a different situation in Denver. Denver is
Speaker 9: a city in county. Yeah, I know, and the police
Speaker 9: department is basically everything everything it is that so they
Speaker 9: don't have county. They don't have Denver County sheriffs. Yes
Speaker 9: we do, but they're mainly court officers and subpoena servers,
Speaker 9: got it, officers of the court.
Speaker 4: I understand. Now we talk a lot about and I'll
Speaker 4: go right to the phones here, but people make fun,
Speaker 4: you know, hanging out at the doughnut store. We've all
Speaker 4: heard that, We've all seen it. How much truth is there?
Speaker 4: There are a lot of cops, so I'm just asking
Speaker 4: you because you were Denver PD, so, sir, a lot
Speaker 4: of them lazy and were always at the donuts store
Speaker 4: or what.
Speaker 9: I had a Mister Donut in my area and I
Speaker 9: had a booth with my name on it.
Speaker 4: I believe that, Okay, I guess, I guess. You know,
Speaker 4: he's jest in jest, but at the same time a
Speaker 4: little truth.
Speaker 11: Right.
Speaker 9: I did all my reports there. You did literally, I
Speaker 9: mean literally with somewhere to go where you can write
Speaker 9: with a flat table in front of you.
Speaker 4: And heat donuts. After a while, you get tired of donuts.
Speaker 4: Now if you buy him one at a time, once
Speaker 4: you hit twelve, do you get the thirteenth? Three? The
Speaker 4: Baker's dozen? Does that come?
Speaker 11: Sir?
Speaker 4: What was the word you said? Buy?
Speaker 11: Yo?
Speaker 4: I you know what? That's the other thing? Yeah, they
Speaker 4: don't buy donuts, do they. I mean, we've all heard this.
Speaker 4: I wonder how true that is? The place never got
Speaker 4: stuck up? Why I always there? I bet you never did?
Speaker 4: All right? Three oh three seven one three A two
Speaker 4: five five Allison? What is your question?
Speaker 8: Oh Mark?
Speaker 18: I'm president of a small townhouse development and it's lovely
Speaker 18: and we have a lovely hoa board, and we have
Speaker 18: a management company. But we face what many townhouses and
Speaker 18: condos face in that insurance is incredibly horrible, and we
Speaker 18: lost our wine insurance policy. Our management company scrabbled around
Speaker 18: really really, really hard and found another one for us
Speaker 18: where we didn't have to suffer A great increase this
Speaker 18: year over last year.
Speaker 4: That's amazing.
Speaker 18: Yeah, but the problem is the management company is now
Speaker 18: pushing hard that each one of our twenty four homeowners
Speaker 18: buys their own internal and external insurance policy.
Speaker 4: Well, then why did they It doesn't sound like you
Speaker 4: went with a new insurance company at all. Then if
Speaker 4: they found another one where it didn't increase that much,
Speaker 4: what is that insurance company for if the residents are
Speaker 4: going to be covering the external.
Speaker 18: Well that's why the I think the idea is that
Speaker 18: that company is only going to be covering us for
Speaker 18: this year and when it comes to the end of
Speaker 18: the year when we have to get a new policy
Speaker 18: and we are being encouraged to you know, and this
Speaker 18: is not struck in the rules and regulations yet. Yeah,
Speaker 18: just a matter of conversation, why do you think?
Speaker 4: But hold on, Alison, why why is this conversation even
Speaker 4: taking place? Why would an insurance company go ahead and
Speaker 4: cover you guys this year in a normal capacity instead
Speaker 4: of each you know, tenant paying something compared to in
Speaker 4: saying we're not going to cover you next year. Was
Speaker 4: there a big this year?
Speaker 18: No, there was no big claim. It's just that we
Speaker 18: I think it might be fear. I really don't, you know,
Speaker 18: I don't know the motivation of of what's going on,
Speaker 18: but I think that the management company had such a
Speaker 18: difficult time in finding a company.
Speaker 4: I just want to have a backup plan.
Speaker 7: Yeah, I think this is planned b in the works
Speaker 7: and anticipation of the new insurance company bailing out on
Speaker 7: them as well.
Speaker 4: Right, what is the quote on the new or you
Speaker 4: don't even have one yet?
Speaker 18: No, we don't, and and if we do, then you know,
Speaker 18: well we do. We've paid for the for this year
Speaker 18: on the company, but nobody's been asked of the twenty
Speaker 18: four homeowners. The board hasn't said, well, now you need
Speaker 18: to go out and start pricing your own insurance policies
Speaker 18: because the decision hasn't been made, And as the president,
Speaker 18: I feel that I need to be better informed. How
Speaker 18: many how many townhouse associations right now have gone to
Speaker 18: individual policies. I'm not sure where to go, I asked
Speaker 18: my insurance guy. Kelly didn't even answer me.
Speaker 4: Yeah, hold on, Alison, Hey, Kelly, get Brian Burns on
Speaker 4: for me. I've got some questions for him with Compass Insurance.
Speaker 4: Hold on, all right, Allison, I'm sorry go ahead, you
Speaker 4: were saying.
Speaker 18: Some Oh, well, you know, the point is, what are
Speaker 18: the pros and.
Speaker 11: What are the comments?
Speaker 4: Well, it's there's there's I got more questions, and I
Speaker 4: do answers why I want to give Brian on But yeah,
Speaker 4: one of the questions I have if all of you
Speaker 4: are covering your own unit inside and then your own
Speaker 4: unit outside, how many buildings are there?
Speaker 18: There are twelve buildings, So if one building there are
Speaker 18: twelve duplexes, well, okay.
Speaker 4: That's fine. If one duplex or one building gets gets
Speaker 4: a hailstorm and the others don't. I realize that sounds ridiculous.
Speaker 4: But if something only happens to one building, maybe a fire,
Speaker 4: does that mean that only the people in that building
Speaker 4: would end up using their insurance It wouldn't affect the
Speaker 4: rest of you.
Speaker 18: That's possibly so. But on the other hand, in the
Speaker 18: problem of the way townhouse rules and rigs are that, well,
Speaker 18: everybody's got to have the same kind of roof or
Speaker 18: the same paint on the outside of the unit.
Speaker 4: Yeah, but that's more of just the bylaws. That's nothing. Yeah,
Speaker 4: just the coverage part. I'm not I guess I simply
Speaker 4: don't understand that coverage in one of the buildings. How
Speaker 4: many stories is it?
Speaker 18: They are two stories with a full basement.
Speaker 4: So two stories with a full basement. Now this is
Speaker 4: once again a silly question. If one building with two
Speaker 4: stories gets hit, If I'm on the first floor and
Speaker 4: the roof has hail damage, why the hell am I
Speaker 4: paying for a roof?
Speaker 11: Oh?
Speaker 4: Mark, the guy's floor's fine.
Speaker 7: Well, I have an answer, because these are townhouses. Yeah,
Speaker 7: so there is nobody below or above you. You got
Speaker 7: the entire you got the entire section in.
Speaker 4: The buildings, forget the ted Did you say there's a
Speaker 4: building and town homes?
Speaker 18: No, No, there are. There are twelve duplexes.
Speaker 4: That's that makes up the whole community.
Speaker 18: Yes, the whole community.
Speaker 4: Okay, there you would share the roof, so I wonder
Speaker 4: if it would be cheaper. Yeah, I understand. I wonder
Speaker 4: if it would be cheaper.
Speaker 7: And I wonder if those policies are even available. I've
Speaker 7: never heard of a town home policy. It would be
Speaker 7: a great question for commedy.
Speaker 4: Yeah, oh, we're going to try to get Brian Burns.
Speaker 4: I just hold on Allison because I'm I'm kind of
Speaker 4: curious with that. And then how about all the money
Speaker 4: they've paid in so far in duce, I guess they
Speaker 4: would just what reimburse or I mean, I don't even
Speaker 4: know how you switch from there.
Speaker 7: No, they got what they got. They got what they
Speaker 7: paid for, right, which is an association provided insurance policy.
Speaker 7: But if the time comes for going to ensure their
Speaker 7: own vertical section of the building, then their HOA dues
Speaker 7: could conceivably be reduced by the amount that the h
Speaker 7: r A would have spent for an overall insurance.
Speaker 4: Well, of course, so then it should go down in theory.
Speaker 4: Oh yeah, yeah, not.
Speaker 7: Just in theory.
Speaker 4: How about common areas like a swimming pool.
Speaker 7: Yeah, that's a good question, Alison. What's going to happen
Speaker 7: to your parking lots? Things like that.
Speaker 4: I want to get Brian Burns on Sherry, what's going
Speaker 4: on with you?
Speaker 13: Hi?
Speaker 8: Last year I purchased through work on life insurance policy
Speaker 8: for accidental death.
Speaker 4: Okay, and.
Speaker 8: I added my husband to the policy because why not,
Speaker 8: it wouldn't it wasn't costing me that much more. Well, unfortunately,
Speaker 8: my husband did.
Speaker 4: Pass away, oh my goodness. And she was towards the
Speaker 4: end of Sherry help, Oh, the end of last year.
Speaker 4: It's that soon. Or that it was only a few
Speaker 4: months ago.
Speaker 8: Yeah, I purchased the policy like in January. Do work
Speaker 8: when they when the insurance news and then you passed
Speaker 8: away in August.
Speaker 4: Okay, I'm first of all, I'm very sorry to hear that.
Speaker 4: I want to give you more time, So let me
Speaker 4: take this break. I'm gonna come back to you after this,
Speaker 4: I promise Sherrian Allison, we're gonna get Brian with Compass
Speaker 4: Insurance on to dive into that, because there's a lot
Speaker 4: of people in condos right now that simply can't get
Speaker 4: insured or they're getting hit with special assessments that are
Speaker 4: mind blowing. I mean, think about this. Your HOA tells everybody, Okay,
Speaker 4: you got to cough up eight grand each in order
Speaker 4: for us to get insurance. It's getting bad out there.
Speaker 10: Hold tight, go with a sure thing Denver's Best roofer
Speaker 10: Excel roofing dot com. You don't pay a cent until
Speaker 10: you're content. Time for an insurance check up free, no obligation.
Speaker 10: In comparison, call Compass Insurance paying too much your coverage
Speaker 10: at dozens of insurance companies find out now three O
Speaker 10: three seven to seven to one.
Speaker 2: Help you'll think you're his only customer.
Speaker 10: When you choose Frank durand the real estate man dot
Speaker 10: Com to list your home with Remax Alliance three oh
Speaker 10: three nine two zero sixteen twenty two.
Speaker 4: Three seven one three eight two five five two lines open,
Speaker 4: you've been ripped off taking advantage of Have any questions,
Speaker 4: don't forget In a few minutes. Here we're gonna play
Speaker 4: stump the guest, stump the attorney. It happens to be today,
Speaker 4: and we're gonna see how good our expert does. Something
Speaker 4: tells me, dam McKenzie attorney of laws, pretty damn good
Speaker 4: at what he does. So I have a feeling I
Speaker 4: have a feeling Dmitri trying to stump him is gonna
Speaker 4: end up being the one stump. But we're gonna find
Speaker 4: that out. Meantime, I'm gonna go right back to this.
Speaker 4: This poor woman lost her husband. She had an accidental
Speaker 4: death policy. She added her husband to a lot of
Speaker 4: places that Dan, this is one of these things generally
Speaker 4: your employer, I assume offers and then of course it's
Speaker 4: accidental death. And the bottom line is she signed up.
Speaker 4: She added her husband, which a lot of companies allow
Speaker 4: you to do. I'm sure You've dealt with a lot
Speaker 4: of these policies, right, yeah, and let's see what happened.
Speaker 4: She's apparently not getting paid or uh, something is going
Speaker 4: on with it. But Sherry, give us a little more
Speaker 4: information now, Sherry, Well.
Speaker 8: Yeah, I'm here. So they made me jump through a
Speaker 8: bunch of hoops just to get the policy or to
Speaker 8: get I don't know what to say to start the
Speaker 8: process for the policy.
Speaker 4: You mean to get paid, to get paid out.
Speaker 8: To get paid, And yes, I understand it was accidental
Speaker 8: death policy. My husband did die on the accidental be choking, and.
Speaker 4: So he choked on like, for example, while eating. What happened?
Speaker 8: She choked eating a hamburger.
Speaker 4: That's that's curious, Okay, So we choked, and out of curiosity,
Speaker 4: what's on the death certificate? What did the coroner rule?
Speaker 8: Initially they ruled it as natural causes, but then once
Speaker 8: I spoke with the doctor a little bit more, they
Speaker 8: amended to death certificate to accidental death related to choking
Speaker 8: and everything else that happens when you lose oxygen to
Speaker 8: the brain and things like that. And then the reports
Speaker 8: at the hospital and the emergency room also confirmed that
Speaker 8: there was a bunch of food that was lodged in
Speaker 8: his throat.
Speaker 4: Did this happen? Did this happen at home? Or did
Speaker 4: it happen at a restaurant? Where did it happen? Was
Speaker 4: there other witnesses or.
Speaker 8: No, it happened at home. Okay, And we tried to
Speaker 8: revive my husband to the heimlichally, my son and myself.
Speaker 4: Oh my goodness, I just can't even imagine that going down.
Speaker 4: So you tried the Heimlich, you called nine to one one.
Speaker 4: Was it too late by the time the ambulance got there?
Speaker 8: It was, But they said that they brought him back
Speaker 8: and then they did a shake out of me so
Speaker 8: he can breathe. But by the time he got to
Speaker 8: the hospital, he had already been with the oxygen for
Speaker 8: like thirty minutes or something like that. And so the
Speaker 8: doctor said that he would never be the same person.
Speaker 8: He would have to have twenty four hour care sevent.
Speaker 4: Days a week pretty much branded.
Speaker 11: He was.
Speaker 8: And I so he didn't want to live like that.
Speaker 4: So so anyway, man, what a what a touching story.
Speaker 4: It's it's really god. I just I just can't. I
Speaker 4: feel so bad for you. But now you're fighting. Let's
Speaker 4: fast forward. You're fighting with the insurance company you had,
Speaker 4: Dan mackenzie, when when something like this happens on these policies,
Speaker 4: if the coroner ultimately changes his mind and puts down
Speaker 4: choking on Hamburger accidental death? However, how was it to
Speaker 4: find again on the death certificate.
Speaker 8: It was an accidental accidental due to as fixation, lack
Speaker 8: of oxygen to the brain.
Speaker 11: So to get read, there's four different things.
Speaker 4: And they're still and they're still battling with you right
Speaker 4: where you still denied it. I mean that's not not clear.
Speaker 4: Have they denied the claim?
Speaker 8: No, but they're still investigating it and they keep writing
Speaker 8: me a letter saying they need more time. They're getting
Speaker 8: more medical records, and I'm just wondering, how long is
Speaker 8: this normal?
Speaker 4: That's probably contractual, right Dan.
Speaker 5: Yeah, they probably have some time to do the investigation.
Speaker 5: You said, when did you say this happen? When did
Speaker 5: he pass away?
Speaker 8: August of last year?
Speaker 4: Wow? How much is a policy?
Speaker 8: It's a half a million? Yeah, But I think according
Speaker 8: to the policy that I'm only.
Speaker 11: Entitled to sixty Why is that?
Speaker 8: Because she's my husband, and I think the policy would
Speaker 8: pay out if I passed away the full face value.
Speaker 8: But because it's my husband. I only get sixty percent.
Speaker 4: I've got so many questions for you Dan here, So
Speaker 4: like the first one is what kind of attorney is it? Someone? Uh,
Speaker 4: isn't a state planner like yourself that would typically deal
Speaker 4: with this? Or are we talking a different kind of
Speaker 4: an attorney for you know, basically you're going after an
Speaker 4: insurance company. I would assume at some point for bad faith. Yeah,
Speaker 4: I mean, what what would you do here if you
Speaker 4: were in her shoes?
Speaker 5: Yeah, I would talk to an attorney who specializes in
Speaker 5: denial claims from insurance companies. So, like I said, that
Speaker 5: hasn't happened yet, But you're I mean, I think you
Speaker 5: about points. I mean, the Point of Life insure is
Speaker 5: supposed to get this money pretty quickly, right, I mean,
Speaker 5: I I don't know where they draw the line between Okay,
Speaker 5: is this a valid investigation or are we just dragging
Speaker 5: our feet here to make you go away?
Speaker 4: And from what she said that's on the death certificate,
Speaker 4: would you agree that that would generally fall under that
Speaker 4: accidental death policy and what actually happened? I mean, who
Speaker 4: you know?
Speaker 5: I mean death certificate is interesting that it's like you know,
Speaker 5: that's yeah.
Speaker 4: He was eating and he choked on a hamburger and died. Yeah,
Speaker 4: that's an accent death. Yeah, he didn't die of cancer,
Speaker 4: he didn't die well, what would you even say on
Speaker 4: a heart attack of something like this, that would probably
Speaker 4: be that probably wouldn't be accidental, right, Yeah, I mean
Speaker 4: it is kind of nuts, but choking on a hamburger
Speaker 4: seems to be about as accidental as he gets. Yeah,
Speaker 4: go ahead, Tomitri Carrie.
Speaker 7: In these requests for documents that you've been receiving from
Speaker 7: the insurance company, are they asking any kind of questions
Speaker 7: that might lead you to believe that they're looking for
Speaker 7: some thing in particular? Like did you get any kind
Speaker 7: of an insight on what they might suspect or what
Speaker 7: their strategy is. Let's based on what they're asking for.
Speaker 4: Let's kick it up a notch Dmitri and ask her,
Speaker 4: I mean, did they think you killed him or something?
Speaker 11: No?
Speaker 7: No, I wasn't going there. But does it sound like
Speaker 7: maybe they suspect some kind of an underlying health issue
Speaker 7: that contributed to this? Can you glean anything from their
Speaker 7: requests that might give you an insight into their line
Speaker 7: of thought?
Speaker 8: Not really? I mean initially it was Okay, we're trying
Speaker 8: to get all the medical records. We went. We got
Speaker 8: the the emergency room, we got the AMT medical report,
Speaker 8: we have the deaths of the kit. We went to
Speaker 8: the corner, we went to primary care.
Speaker 7: Now we're going.
Speaker 8: Back to further back in his history for more medical records.
Speaker 4: That is there anything you couldn't think of in his
Speaker 4: past that would red flag? I mean I can't because
Speaker 4: he choked on a hamburger. I can't imagine what possibly
Speaker 4: could have been in his past.
Speaker 7: Yeah, why how far back do they want to look?
Speaker 7: And do you have any idea what they're hoping to find?
Speaker 8: Well, the only thing I'm thinking is that like back
Speaker 8: in twenty twenty, he had a stroke which made it
Speaker 8: a little bit difficult for him to swallow, but he
Speaker 8: always passed all his swallow tests and.
Speaker 11: He was Okay, Dan, do you think do you think.
Speaker 7: Do you think this old stroke might be something that
Speaker 7: the insurance company is going to try to cling to?
Speaker 4: You know, why wouldn't they make it difficult? I guess
Speaker 4: I would like to know what the policy says out
Speaker 4: a time frame, and if if it says reasonable, I
Speaker 4: mean I think the argument is maybe six months or something.
Speaker 4: But I mean, this is this is getting pretty old.
Speaker 7: Well, the point of life insurance policy is to provide
Speaker 7: the survivors with money to live on.
Speaker 4: Yeah, how are you living now, Sherry? Just out of curiosity,
Speaker 4: I mean you still have the job? You said it
Speaker 4: was your policy, right, No.
Speaker 8: I'm still working. The unfortunate thing for me is that
Speaker 8: my job in the next at the end of next month,
Speaker 8: and so I'm really hoping to get this policy to
Speaker 8: pay out so that I could pay off my house.
Speaker 4: Hey, can we can you see if we can get
Speaker 4: Marco Bendinelli Kelly, see if we can't get Bendonelly up,
Speaker 4: hold on, Sherry. Now, Marco doesn't typically doesn't sue insurance
Speaker 4: companies for bad faith, but I think he knows one
Speaker 4: we might be able to get on because I would
Speaker 4: love to look at that policy. In fact, Sherry, can
Speaker 4: you send us over a copy of that policy? Do
Speaker 4: you have it in a pdf? I do send that.
Speaker 4: In fact, hold on, I'm going to have her pick
Speaker 4: up here real quick and send it quick as you can,
Speaker 4: because I'd love to look at that and send it
Speaker 4: to a couple of attorneys and read it. Here. I'd
Speaker 4: like Dan to see it too. I mean, aren't you
Speaker 4: curious what how do most of these policies read dan
Speaker 4: when it comes to timing, or they're just all so different. Yeah,
Speaker 4: we'd have to see it. We'd have to see it.
Speaker 4: I'd be curious what the timing is. And then what
Speaker 4: is a proper investigation? I mean, my god, if to coroner,
Speaker 4: if it's evident the guy choked on a hamburger, I
Speaker 4: don't know what that could possibly have to do with
Speaker 4: that stroke. I know she said there was a throat
Speaker 4: problem there, but I would still say it's accidental as
Speaker 4: it gets.
Speaker 7: Actually, she didn't say there was a throat problem. She
Speaker 7: said that he has passed the swallowing tests. So based
Speaker 7: on what Sherry knows, he should not have had a
Speaker 7: problem with swallowing.
Speaker 4: Sherry, didn't you say there was some issue they were
Speaker 4: looking at in his past about swallowing or not.
Speaker 8: Well, that's my thought is that they're going they're going
Speaker 8: to try to say this is a pre existing condition.
Speaker 8: But my thought was, I understand if it were a
Speaker 8: regular life insurance policy where they do like a whole
Speaker 8: health back ground check on you and everything. This is
Speaker 8: an accidental death policy. They don't ask for any of
Speaker 8: that stuff.
Speaker 4: Well, no, yeah, that's.
Speaker 8: I don't understand why it's been making it so hard.
Speaker 4: That's so curious to me. I'm trying to think of
Speaker 4: anybody we know that sells these policies. I don't know anybody,
Speaker 4: you know what. I wonder if John Over at Integra
Speaker 4: sells these accidental death policies. I know he sells like
Speaker 4: emergency policies. They only pay if you go into an
Speaker 4: emergency room. Isn't that crazy? They don't pay for like
Speaker 4: normal doctor's visits. They pay for emergencies, which is nuts.
Speaker 7: Yeah, I've never heard of that. I thought your health
Speaker 7: insurance pay for emergencies.
Speaker 4: Well, if you have health insurance, it does. Yeah. But anyhow,
Speaker 4: hold on, hold on, Oh, Brian Burns is up. Hey,
Speaker 4: let me look at the time here. I got to
Speaker 4: take this. Listen, Sherry, hold on a second, hold on,
Speaker 4: hold on, hold on, Hey, Brian, I've got a couple
Speaker 4: things for you, but I'm gonna be I got to
Speaker 4: go to break real quick. But I want to ask
Speaker 4: you some Do you guys sell any form of life
Speaker 4: insurance or you know nothing about them?
Speaker 3: No?
Speaker 16: I know something about I have someone in the office
Speaker 16: that deals with life insurance, but I could probably answer
Speaker 16: the question.
Speaker 4: Okay, hold on, hold on, I've got two for you man.
Speaker 4: We've got Allison, she's got an HOA issue, and then
Speaker 4: we've got Sherry that's having problems getting paid on an
Speaker 4: accidental death policy. I want your reaction to both after this.
Speaker 10: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 10: dot com. You don't pay a cent until you're content
Speaker 10: than time for an insurance check up free, no obligation.
Speaker 10: In comparison, call Compass Insurance. Pay too much your coverage
Speaker 10: at dozens of insurance companies find out now three oh
Speaker 10: three seven to seven to one.
Speaker 4: Help.
Speaker 10: You'll think you're his only customer when you choose Frank
Speaker 10: durand the real estate Man dot com to list your
Speaker 10: home with Remax Alliance three oh three nine two zero
Speaker 10: sixteen twenty two.
Speaker 4: All right, we are having quite the conversation here three
Speaker 4: oh three seven one three eight two five to five.
Speaker 4: I'm going to bring up my expert, Brian Burns. Brian,
Speaker 4: I've got you up for a couple of reasons. Do
Speaker 4: I got you there? Brian? Yep, I'm here so I
Speaker 4: want to ask you something in general that came up.
Speaker 4: People that listen on YouTube, as you know, Brian, they
Speaker 4: hear the behind sascenes conversation. We were having this conversation
Speaker 4: to Metri myself, Dan McKenzie just during the break in general,
Speaker 4: and I use this example, if I tell my homeowners,
Speaker 4: then we'll get to then we're going to get to
Speaker 4: these two specific questions. But if I tell my homeowners
Speaker 4: whoever it is, I don't have a Rottweiler or don't
Speaker 4: have a Doberman or some kind of dog that they
Speaker 4: won't cover, and I actually do have one, are we
Speaker 4: on the same page? Yep, and my house catches on
Speaker 4: fire two years later, I still have the dog, had
Speaker 4: the dog before I got the policy, lied about it,
Speaker 4: and had the same policy two years later. Are they
Speaker 4: going to rebuild my house?
Speaker 16: Yes, it won't have anything to do with it. The
Speaker 16: reason that could come into play is if that dog
Speaker 16: bit somebody and then you were getting sued because of that,
Speaker 16: that would be a material misrepresentation on the policy at
Speaker 16: that point, and the loss is a direct result of
Speaker 16: that new representation.
Speaker 4: And the reason the reason would be what I would
Speaker 4: consider the public interest. If if an insurance company could
Speaker 4: deny that fire claim due to that dog. Can you
Speaker 4: imagine no, can you imagine that loopholes?
Speaker 8: Yes?
Speaker 16: No, No one would have covered Yep.
Speaker 4: No, not only that. Think about people with mortgages. Most
Speaker 4: of us think about having a mortgage. That happens. Now
Speaker 4: you still have a mortgage. You're not paying for the fire,
Speaker 4: all because you lied about a Doberman that had nothing
Speaker 4: to do with anything.
Speaker 16: Right, it would be incredible that that would not happen.
Speaker 4: Now I want to and that's with any carrier. Now
Speaker 4: I want to bring that into Sherry's question. It's similar
Speaker 4: but different. I call it the biggest, best, greatest analogy ever.
Speaker 4: Dmitri didn't like it as an analogy, but I think
Speaker 4: here's Sherry's circumstance. At her work, they offer an accidental
Speaker 4: death policy. She bought an accidental death policy or decided
Speaker 4: to start paying for that out of her paycheck. She
Speaker 4: could add on her spouse, her husband as well. The
Speaker 4: husband would only pay out if he passed, which he
Speaker 4: did sixty percent if she passed. Of course, the one
Speaker 4: hundred percent, and we're talking about a half a million
Speaker 4: dollar policy, but the math really doesn't matter. The husband
Speaker 4: who died six seven months ago, is that about right? Guys?
Speaker 4: Somewhere in there, they're still holding it up. Originally on
Speaker 4: the death certificate it wasn't accidental, but the coroners went
Speaker 4: back since and changed it to accidental death. Okay, basically,
Speaker 4: you choked on a hamburger. That's the bottom line. He
Speaker 4: literally choked on a hamburger and died. He was brain dead.
Speaker 4: They had to pull the plug on him. They actually
Speaker 4: brought him back after thirty minutes, but it was too late.
Speaker 4: No activity, and that was that he died from literally
Speaker 4: choking on a hamburger. And that is what the coroner
Speaker 4: chanted to. Now the company, the company, and we're not
Speaker 4: sure of this. This is her suspicion because it's taken
Speaker 4: so long, and our attorney that deals with these kind
Speaker 4: of plans all the time, Dan mackenzie, is like, this
Speaker 4: is taking a very long time. Typically, the reason you
Speaker 4: have life insurance or this kind of policy is so
Speaker 4: whoever remains can live and eat and pay the rent
Speaker 4: and do all that stuff. So six months is getting nuts.
Speaker 4: But they're going back and once again we're not sure
Speaker 4: they're saying this, but I'm gonna let Sherry. Let me
Speaker 4: lock in. Sherry, you're under the impression they might. They
Speaker 4: went back and looked at medical records Brian, and he
Speaker 4: had a stroke. When did he have a stroke?
Speaker 7: Sherry, twenty twenty.
Speaker 4: In twenty twenty, and so they're thinking that possibly this stroke.
Speaker 4: And let me ask you something, Sherry that Dmitri brought
Speaker 4: up when you filled out your husband to be on
Speaker 4: this as well. Does it ask you a question? Have
Speaker 4: you ever had a heart attack? Have you ever had
Speaker 4: a stroke, have you ever had a brain aneurysm? Does
Speaker 4: it ask anything like that?
Speaker 11: No?
Speaker 4: Okay, I didn't think so. So then then, Brian, can
Speaker 4: they go back on this accidental death policy? Right now?
Speaker 4: The death certificate, according to Sherry, literally says accidental death
Speaker 4: joked on a hamburger. Can they go back and argue
Speaker 4: anytime you've ever seen because he had a stroke five
Speaker 4: years ago, that that could have affected his throat and
Speaker 4: if he didn't have this stroke, he wouldn't have choked
Speaker 4: on the hamburger.
Speaker 16: I don't think they would win that argument. Can they
Speaker 16: try to do it? I guess so. I hate to
Speaker 16: a dance policies because they're unlike life insurance policies. There's
Speaker 16: too many loopholes on what is there's exclusions, whereas on
Speaker 16: a life policy there's not exclusions other than for the
Speaker 16: first whatever year or two you can't you know, suicide
Speaker 16: is a I think it's twelve months is suicide not covered?
Speaker 16: But other than that, after that that window they cover
Speaker 16: any kind of death, whereas an accidental death it's much cheaper, understandably,
Speaker 16: but there's a lot of exclusions, and it's this kind
Speaker 16: of thing that can come into play where well, wasn't
Speaker 16: an accident or was this caused by a natural consequence
Speaker 16: or an illness or some kind of natural cause. So
Speaker 16: they can try to make the case, but I don't
Speaker 16: think they would win off of that.
Speaker 4: All right, Brian, That's what I wanted to hear from you. Now,
Speaker 4: hold on, Sherry, because I have got another expert I'm
Speaker 4: going to bring up, but I got to take the break,
Speaker 4: and I've got Marco Bendinelli, an attorney, and Marco, I'm
Speaker 4: just prepping you right now. Basically, we have an insurance
Speaker 4: company half a million dollar policy accidental death. And I'm
Speaker 4: saying this for Marco's sake, and the bottom line Marco
Speaker 4: is they haven't paid out in about six months. They
Speaker 4: haven't denied the claim I don't know, I don't know
Speaker 4: where this poor woman goes now, but the death certificate
Speaker 4: literally says accidental death. The guy choked on a hamburger.
Speaker 4: We're going to get to the bottom of this with
Speaker 4: Marco and Brian. Brian, I'm hoping you can stay on
Speaker 4: because Alison also asks a question on HOA. I'm just
Speaker 4: running out of time, but please we can call you back.
Speaker 4: Kelly figured out.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Please time for an insurance check up free, no obligation
Speaker 10: comparison call Compass Insurance paying too much your coverage at
Speaker 10: dozens of insurance companies find out now three oh three
Speaker 10: seven seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 1: Ripped News so you don't have run anxious ass as
Speaker 1: we can shoot us. Want to help? Come man, this is.
Speaker 4: The Troubleshooter Show.
Speaker 3: No Tom Martinez, Welcome my friends to the only show
Speaker 3: of its kind.
Speaker 4: We're here to solve problems, answer questions, take complaints. We're
Speaker 4: here to educate you. We're here to make your life
Speaker 4: a little bit better. Bottom line, you've been ripped off
Speaker 4: or taking advantage of, or need help from one of
Speaker 4: our attorneys. The phone numbers easy three oh three, seven,
Speaker 4: one three eight two five five in studio with me
Speaker 4: Attorney Dan McKenzie. He's an estate planner. Any questions you
Speaker 4: have for Dan. Maybe you have a question like should
Speaker 4: I get a trust? Should I get a will you
Speaker 4: get the idea? But any questions, maybe you need to
Speaker 4: just understand probate. Do I have to open probate? There's
Speaker 4: different things. All of our experts are here for. Right now,
Speaker 4: I've got Marco Bendinelli, an attorney who's on our hotline,
Speaker 4: and he's called in or actually we reached out to Marco. Marco.
Speaker 4: I'm going to recap really quick for everybody that just
Speaker 4: joined us. But here's the bottom line. Sherry has a
Speaker 4: accidental death policy. And on the accidental death policy, basically
Speaker 4: it was given to her by her work. I assume
Speaker 4: she basically if it's like my sons who works for Walmart,
Speaker 4: you basically go into the portal and you just opt
Speaker 4: in and they start taking it out of the check.
Speaker 4: But Sherry, did you fill out any paperwork on this
Speaker 4: accidental death policy at all for you or your husband?
Speaker 8: You mean it's initially when I signed up?
Speaker 4: Yeah, when you signed up? In other words, was there
Speaker 4: any questionnaires about health or anything like that.
Speaker 8: I don't know. I don't think so.
Speaker 6: So.
Speaker 4: But and you pay, and you basically pay monthly out
Speaker 4: of your paycheck through your company, Yeah, every pay period. So, Marco,
Speaker 4: here's the deal. What happened was, at first, what did
Speaker 4: they put on the death certificate at Sherry?
Speaker 8: At first natural causes?
Speaker 4: They put natural causes, which we can all understand that's
Speaker 4: not an accidental death. Then as he started digging into
Speaker 4: it and talking to everybody that had to do with
Speaker 4: it at the hospital and the ambulance and everybody, they
Speaker 4: changed the death certificate to accidental death.
Speaker 8: What I knew, I know.
Speaker 11: But who is they?
Speaker 4: Yeah? What company is it?
Speaker 8: The attending doctor, the attending doctor for the doctor?
Speaker 19: Okay, so the coroner, the medical examiner.
Speaker 11: Are you in Colorado?
Speaker 8: Yeah, we're in Colorado, Spring.
Speaker 11: So so.
Speaker 19: But I mean only the coroner and the medical examiner
Speaker 19: can change cause of death on the death certificate, right,
Speaker 19: and they did. Yeah, So when did you ever submit
Speaker 19: the first death certificate to the UH insurance company?
Speaker 4: That good question.
Speaker 8: No I did not.
Speaker 19: So the only one that they've ever received said accidental death.
Speaker 8: Correct.
Speaker 4: And he had a stroke, and we don't know this.
Speaker 4: They've never gave her a denial, Marco. But they've been
Speaker 4: dragging their heels for a hell of a long time.
Speaker 4: He died last year, like in August. They just been dragging.
Speaker 4: The stroke was five years ago, by the way. Yeah,
Speaker 4: he had a stroke five years ago, So they want
Speaker 4: to see all of his medical records and Sherry's sinking
Speaker 4: possibly because he had a stroke five years ago, they
Speaker 4: might say that could have messed up his swallowing and
Speaker 4: therefore the stroke actually created him choking on a hamburger, which,
Speaker 4: by the way, is what's on the death certificate now,
Speaker 4: accidental death choking on a hamburger.
Speaker 19: Yeah, well, Cherry, you need to call me because you know,
Speaker 19: not only am I going to get them to pay
Speaker 19: this claim, you know, there's a vision of inshorts regulations
Speaker 19: that they it seems like they've already violated, which isn't
Speaker 19: that uncommon?
Speaker 14: UH? And you know, we can get we can get.
Speaker 19: More damages than the policy amount.
Speaker 4: How does that work? Marco? If is this basically a
Speaker 4: bad faith claim?
Speaker 11: It is?
Speaker 19: Mark, And I'll tell you what, Cherry, you need to
Speaker 19: call me because I love your case.
Speaker 4: You can get trouble damages. You can get attorneys fees
Speaker 4: as well, right, Marco, that's correct.
Speaker 14: Yep, you get the UH. And it's due to it's
Speaker 14: due you know.
Speaker 19: And I've taught on this. I've taught other lawyers on this,
Speaker 19: Mark and Sherry, I guess you know. So there is
Speaker 19: a statute in Colorado that if you if the insurance carrier.
Speaker 14: Either unreasonably delays or unreasonably denies the claim a claim uh,
Speaker 14: then you know, then you could be.
Speaker 19: Entitled to all of the damages that Mark just reference.
Speaker 4: And Marco, when we talk about I have asked one
Speaker 4: hundred attorneys this question, not just about what we're talking
Speaker 4: about now, but there's the Lemon law in Colorado uses
Speaker 4: this term too. And the term that you mentioned is
Speaker 4: reasonably what what is reasonable?
Speaker 11: That is?
Speaker 2: So?
Speaker 4: What is the argument? How do you get to that
Speaker 4: point where you say this is no longer reasonable?
Speaker 14: Right?
Speaker 3: Right?
Speaker 19: So you know I've done sophisticated arguments on this, and
Speaker 19: really you use a combination of uh, you know, case law,
Speaker 19: case president and uh several of the.
Speaker 14: The vision of insurance regulations.
Speaker 19: And you know, I used to work for insurance companies,
Speaker 19: so I know the.
Speaker 14: REGs and and you know they've got to have They
Speaker 14: been sending you letters every thirty days saying that they're investigating,
Speaker 14: continue to investigate.
Speaker 8: Yeah, yes they have. The last letter I got so
Speaker 8: it was a little bit later than the thirty days,
Speaker 8: I think it was like a month and a half,
Speaker 8: and I had to ask what was going on, but
Speaker 8: they said that their intern internal doctor was reviewing the records.
Speaker 19: Yeah, you know what I would say, that's unreasonable, Cherry.
Speaker 4: You got to call we are You got to call
Speaker 4: Marco off the air and just have a real conversation.
Speaker 4: Send him over. In fact, if you did, you already
Speaker 4: send us a copy of the policy.
Speaker 8: I did, Thence, Yeah.
Speaker 4: Yeah, I'm going to send that. I'll send that to
Speaker 4: Marco so he has it, and then you need to
Speaker 4: call him up. I'll get you.
Speaker 14: Are you okay with that, Shary?
Speaker 19: You okay with them sending me the copy of the policy. Yeah,
Speaker 19: that's fine, Okay, Okay, yeah, Erry, we'll get him.
Speaker 4: Okay, No, I like it. You know, That's what I've
Speaker 4: always liked about Marco. He's straight up like that, Sherry,
Speaker 4: I'm gonna put you on hold, hold tight, and then
Speaker 4: Kelly's gonna send that. But Marco Bendinelli, I remember years
Speaker 4: ago when we first met. I mean we're going back
Speaker 4: ten years. I think it was that year you were
Speaker 4: the first attorney in Colorado to get three Well, you're
Speaker 4: going to know the answer to this. It was you.
Speaker 4: But what was it? Three back to back million dollars?
Speaker 4: They weren't settlements, they were actually wins in court. What
Speaker 4: was that? Oh? I almost use the s word, Marca.
Speaker 4: What was that?
Speaker 19: The I'm the only lawyer in the history of.
Speaker 14: The state that ever has gotten.
Speaker 19: Two seven figure jury verd her settlement's jury verdicts within thirty.
Speaker 14: Days of one another.
Speaker 4: Wow.
Speaker 14: That rid two cases, you know, and.
Speaker 20: They were really close together.
Speaker 19: And each one of them had like a seventy five
Speaker 19: thousand dollars offer and I've got and I got verdict
Speaker 19: of seven figures on each one of them cases.
Speaker 4: You know, I want to bring this one up. This
Speaker 4: one was so intriguing to me. I don't know how
Speaker 4: long ago this was, but a guy rented a truck. Guys,
Speaker 4: you know one of these, I don't know if it
Speaker 4: was rider or U haul, but a truck like that
Speaker 4: where you move stuff or whatever. And it had a
Speaker 4: pull out ramp. So you pull this ramp out so
Speaker 4: you can use the dolly to load stuff into the truck.
Speaker 4: The hooks at the end of the ladder failed, so
Speaker 4: the person pulling this big, heavy aluminum ramp out gets
Speaker 4: basically crushed by this thing. He didn't die, but I
Speaker 4: mean big injuries. And how much did they offer that
Speaker 4: guy at first? Marco?
Speaker 19: Well, they went from fifty thousand to eighties.
Speaker 4: Yeah, fifty to eighty thousand. Then you got involved. How
Speaker 4: much did you get?
Speaker 19: I tried that case and I got over a three
Speaker 19: million dollar verdict done in Denver District Court.
Speaker 4: Three million dollars Marco. That's unbelievable. Hey, keep us as
Speaker 4: long as Sherry's good with it. If she retains, you
Speaker 4: keep us a bressed on this one as much as
Speaker 4: you can.
Speaker 14: I will.
Speaker 19: I'm looking forward to helping her.
Speaker 4: Mark. Yeah, I'm telling you these I'm sick and tired
Speaker 4: of insurance companies. Man, all of them. I don't care
Speaker 4: who they are. But if I have a contractual agreement
Speaker 4: with an insurance company and they don't want to pay me,
Speaker 4: you need a good attorney to go after them, because
Speaker 4: there's really nothing else you can do, like poor Sherry
Speaker 4: just sitting around waiting forever. By the way, Marco Bendinelli
Speaker 4: three to oh three nine four zero eighty eight hundred, Hey, Marco,
Speaker 4: do you have the three to zero? What don't you have?
Speaker 4: Eight hundred attorneys?
Speaker 2: Still?
Speaker 11: Yeah?
Speaker 13: Yeah?
Speaker 19: Yeah, First of all, it's nine four z row ninety
Speaker 19: nine hundred yep.
Speaker 4: Or what though? What's your other one?
Speaker 19: But but we we we own one eight hundred attorney, yeah,
Speaker 19: one hundred attorney.
Speaker 4: Yeah, simple as that, and you'll get us all right.
Speaker 4: And do you guys do workmen's comp to Marco? You
Speaker 4: still got someone down there? Good at that?
Speaker 15: We do.
Speaker 20: I love it work pomps all all injuries, yep, all accidents,
Speaker 20: got it products liability in Schoran's bad faith that which
Speaker 20: is my favorite thing to do.
Speaker 4: In chorte bad because you're sticking it to the man.
Speaker 14: And you know what, and I used to work for him.
Speaker 19: Yeah, I don't know how I slept with myself.
Speaker 4: Boy, that's a vision I never want to have again.
Speaker 4: Three oh three nine four zero ninety nine hundred or
Speaker 4: why am I even saying that? Eight hundred attorney? I mean,
Speaker 4: you can't get any easier than that. Thank you, Marco.
Speaker 4: We got to take a break, I got to get
Speaker 4: caught up and Kelly, let's get Brian back on for
Speaker 4: that HOA.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three oh three seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five. By the way, we're gonna be talking to
Speaker 4: Dan McKenzie Dmitri. We have this game we call it's
Speaker 4: not really stumpy attorney, but it's asked the attorney and
Speaker 4: get questions answered. And I love it, but we'll call
Speaker 4: it Stump the attorney. So Dragon, have that wonderful music
Speaker 4: ready for me? All right? You know what music I'm
Speaker 4: talking about?
Speaker 1: Dude?
Speaker 7: You do too?
Speaker 2: Hey?
Speaker 11: Is it?
Speaker 4: Yeah?
Speaker 11: Is it just me?
Speaker 13: Or?
Speaker 4: Okay? I got to ask this question. I don't know
Speaker 4: who watches Jeopardy here? Anybody?
Speaker 11: Dan?
Speaker 4: Do you watch Jeopardy? I have watched Jeopardy. I don't
Speaker 4: not a current watcher. I don't like the new host.
Speaker 4: I'm sorry. I just simply don't like him. He's you know,
Speaker 4: I just don't like him. Am I the only one?
Speaker 4: Or do people like the new host? I like the
Speaker 4: girl that was doing it from the Big Bang Theory,
Speaker 4: the Big Bang Theory. I liked her a lot. I
Speaker 4: don't know why what's his face got the gig? I
Speaker 4: just don't.
Speaker 7: Is he the super Champion?
Speaker 4: No, it's what's his name? He? He does the New
Speaker 4: Year's Ball drop and all that stuff.
Speaker 17: Oh, Ryan Seacrest, he's hosting Jeopardy.
Speaker 4: No, I'm sorry, I got them all screwed up. He's
Speaker 4: actually hosting What's On After Jeopardy, which is where they spin.
Speaker 2: The wheel wheel of Fortune.
Speaker 4: I can't watch Wheel of Fortune and anymore. God bless
Speaker 4: my soul, and I used to love it because I
Speaker 4: don't like him. I just simply don't like him. I
Speaker 4: don't know why he's never done it. I just don't
Speaker 4: like him. I don't know what it's about him. He
Speaker 4: drives me insane. Maybe it's because he was on that
Speaker 4: Regis and Kathley Lee or whatever years ago. But no,
Speaker 4: the new Jeopardy host is who though I think it's
Speaker 4: Ken Jennings.
Speaker 7: I thought it was Ken Jennings.
Speaker 4: Okay, well, I can't say I don't like him because
Speaker 4: I can't even picture him. Forget.
Speaker 7: He's the one that won so many weeks in a row.
Speaker 4: Yeah, he's like the record olnder, he's like the best ever. Yes,
Speaker 4: all right, Hey, Brian Burns Compass Insurance, I'm gonna lock
Speaker 4: you in and I'm gonna bring up Alison. Here's the
Speaker 4: bottom line. It's not there's nothing going on right now,
Speaker 4: but where she lives, there's a bunch of duplexes and
Speaker 4: like twelve of them and right now. They were struggling
Speaker 4: this year to get coverage for the roof Okay big time.
Speaker 4: They did end up getting coverage, but they're looking for
Speaker 4: an alternative or next year just in case it either
Speaker 4: goes up or gets canceled. So they were throwing around
Speaker 4: the idea. She's a president, Alison, You're the president of
Speaker 4: the board, right, yes, I am. So they were throwing
Speaker 4: around the idea of everybody, or the management company was,
Speaker 4: of everybody chipping in and basically covering their own inside
Speaker 4: and outside. Have you seen these policies and if so,
Speaker 4: what do you refer to him as well?
Speaker 11: Yeah?
Speaker 16: No, they're happening all the time right now, and you're
Speaker 16: just converting it from being what's called an HO six
Speaker 16: or a condo policy, which is what they have. Now
Speaker 16: they're changing their bylaws to force everybody to have an
Speaker 16: HO three policy, which is a homeowner's insurance policy. So
Speaker 16: it's not necessarily chipping in as a group. You're just
Speaker 16: telling each individual owner they have to get insurance that
Speaker 16: will cover the inside and outside of the party.
Speaker 4: So how does that work, Like on a roof claim,
Speaker 4: if she's got a neighbor, it's a duplex, and they
Speaker 4: basically chip in on the exterior, but the interior they
Speaker 4: have a different policy, Or how does that work?
Speaker 16: They each have an individual policy that's covering half that roof.
Speaker 16: Now almost always what happens if one roof is damage,
Speaker 16: you're getting both insurance companies involved in that case. But yeah,
Speaker 16: it's you're literally ensuring half the roof ultimately with your
Speaker 16: insurance policy. We ultimately owned policy.
Speaker 4: What ultimately is cheaper that you're seeing in the market
Speaker 4: right now? I know you guys ensure stuff like this,
Speaker 4: But are the HO sixes generally better even though they're
Speaker 4: going away and they have to be replaced? But ultimately,
Speaker 4: when you do the math compared to special assessments and
Speaker 4: everything else that can happen, is this a better policy?
Speaker 8: Yeah?
Speaker 16: I mean, I think what people are finding is that
Speaker 16: it's a better way to do it because the market
Speaker 16: for hoa's to get insurance for the entire structure, you know,
Speaker 16: of all the structures, is the becoming more and more difficult,
Speaker 16: and the deductibles are becoming so difficult so high that
Speaker 16: it's not economical anymore. And so what people are finding
Speaker 16: that it's easier to get a HO three policy instead.
Speaker 4: How about common areas? What happens then? Do you still
Speaker 4: have that HO six that covers say the swimming pool area, Yeah.
Speaker 16: They'll still have a policy. It's not an H six.
Speaker 16: HO six is what unit owner. Sorry I'm coughing. That's right,
Speaker 16: it's what unit owners are are having to get to
Speaker 16: cover their interior. Got it, So the HOA policy will
Speaker 16: still extend to the common grounds.
Speaker 4: I get it. I get it. So there still would
Speaker 4: be one, you would still have an HOA fee. But
Speaker 4: under under this, under this scenario, when they each go
Speaker 4: to that, if that actually happens, their HOA dues in
Speaker 4: theory should come down because they're not covering the roof
Speaker 4: through the age anymore, they're covering it through their own policy.
Speaker 16: They absolutely should and I've seen where they don't. And
Speaker 16: that's where I push back for homeowners to push hard
Speaker 16: against rach Away because yeah, why insurance is a huge
Speaker 16: portion of their of their dues or it should be.
Speaker 4: Yeah, they're being a.
Speaker 16: Lot for insurance, so they should see their dues come down.
Speaker 16: I will tell you an HO six policy. Let's just
Speaker 16: kind of play normal math here. I mean, this isn't
Speaker 16: true for everybody, but I would imagine that an HO
Speaker 16: six policy is probably costing someone let's say four hundred
Speaker 16: dollars a year, and HO three for that same property
Speaker 16: is probably closer to two thousand a year. So you're
Speaker 16: taking a sixteen hundred dollars a year increase in cost,
Speaker 16: got it. So what you're hoping is rancho a feed
Speaker 16: has come down maybe one hundred hundred and twenty five
Speaker 16: a month to kind of make up that.
Speaker 4: Yeah, to make up at least the majority of it. Allison,
Speaker 4: you got any other questions? It sounds like that's the
Speaker 4: way everything's going though.
Speaker 18: Well that's interesting because I, you know, I really just
Speaker 18: didn't know how common usage is these days. I do
Speaker 18: have one question ahead, what if you know, I have
Speaker 18: an adjoining wall with my neighbors next door, So why
Speaker 18: if their kid, you know, puts a hole through the
Speaker 18: wall to my living room and I go to them
Speaker 18: and say, well, you know, your insurance company's got to
Speaker 18: cover this all ja I forgot to.
Speaker 4: Then, Allison, that's a simple one. You turn it into
Speaker 4: yours and they're going to go after their company.
Speaker 18: Okay, okay, okay.
Speaker 16: Just the same as a condo, and I will tell
Speaker 16: you that I think more places would would go to
Speaker 16: this model, except for you can't do it on a
Speaker 16: true condo where you have units below you or above you.
Speaker 16: There's no way to write a h O three policy
Speaker 16: for that because there's they don't own the whole structure,
Speaker 16: whereas a duplex or a town home it's possible to do.
Speaker 4: Okay, well, I appreciate it, Brian, I mean really, And
Speaker 4: by the way, the insurance help Center, anybody out there,
Speaker 4: whether it's automotive, whether it's anything we're talking about, whether
Speaker 4: it's workmen's competence charts. In fact, Brian saved us big
Speaker 4: time a while back. Brian. Everybody thinks Pinnacle is a
Speaker 4: best deal, and it might be the best deal in
Speaker 4: Colorado depending on what that code is. When I was
Speaker 4: in automotive, a Pinnacle was the best deal. But when
Speaker 4: we switched over to an office building and dealing with
Speaker 4: you know, administrators not technicians, all of a sudden, you
Speaker 4: found us a better policy. So the bottom line is,
Speaker 4: I don't care if it's garage keepers, I don't care
Speaker 4: if it's homeowners, I don't care if it's automotive. These
Speaker 4: guys shop thirty plus different companies for you, commercial, residential.
Speaker 4: They're going to find the best thing out there. They're
Speaker 4: experts on the show all the time. Give them a call,
Speaker 4: let them start saving you money. Brian. And as people
Speaker 4: call me every single year to go through all of
Speaker 4: our needs and make sure we have the best policies.
Speaker 4: They'll do the same for you. Three oh three nine
Speaker 4: nine six nine thousand, three oh three nine ninety six
Speaker 4: nine thousand. When we come back stumped, the attorney.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three o three seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three, set three A two five
Speaker 4: to five Dmitri. Are you ready, sir?
Speaker 7: I'm ready.
Speaker 4: Dan McKenzie, Attorney at Law, Are you ready, sir. We're
Speaker 4: gonna find out here, get your mic on, and we're
Speaker 4: gonna go to the questions. By the way, Dan McKenzie
Speaker 4: is an estate planning attorney that can help protect your assets.
Speaker 4: He can help you with the trust and will probate
Speaker 4: anything to do with basically your life and your estate.
Speaker 4: I mean, he can help with that stuff. And we've
Speaker 4: known him here on the show for a very very
Speaker 4: long time. He's our go to expert. So now that
Speaker 4: I explained who he is, Dmitri the first question mark.
Speaker 7: A few months ago, I went to one of Dan
Speaker 7: mackenzie's seminars downtown where he talks. He kind of introduces
Speaker 7: the audience to his business and talks about asset protection.
Speaker 7: So that was my primary interest, not really writing a will,
Speaker 7: but how to protect my assets from potential creditors. And
Speaker 7: one of the things that I think came as a
Speaker 7: huge surprise to most people at that seminar is your creditors.
Speaker 7: They're not just limited to Bank of America, MasterCard, it's
Speaker 7: judgment creditors. And as Dan pointed out, we can all
Speaker 7: be in a car accident where we're at fault. We
Speaker 7: can all have a slip and fall on our property
Speaker 7: where we're eventually at fault. And so Dan and I
Speaker 7: discussed these asset protection trusts and specifically these if and Dan,
Speaker 7: if I'm using the correct terminology, these irrevocable trusts, and
Speaker 7: I think we haven't talked about some that would be
Speaker 7: formed in It was either Utah or Nevada or one
Speaker 7: of those. And one thing that came as a surprise
Speaker 7: to me is that Dan told me that when I
Speaker 7: transfer my assets to one of these trusts, they're not
Speaker 7: immediately protected from potential judgment creditors. There's some kind of
Speaker 7: like a maturity period of was it.
Speaker 4: A couple of years, Dan, something depends on the state.
Speaker 7: Yeah, but it's not instant, and so it kind of
Speaker 7: leaves me vulnerable during this period. So, Dan, my question
Speaker 7: to you is, if God forbid, somebody does get injured
Speaker 7: at my house, or God forbid I injure somebody in
Speaker 7: a car accident where I'm in fault, and this person
Speaker 7: becomes a judgment creditor for an amount that's beyond my
Speaker 7: insurance coverage, how much can they get? I mean, can
Speaker 7: they literally like leave me paneless? Can they grab my house,
Speaker 7: my car, literally my every penny in my bank account,
Speaker 7: maybe the piggy bank I have next to the kitchen.
Speaker 7: Could I be left penniless? Or is there some sort
Speaker 7: of minimum level of assets that's protected from judgment creditors
Speaker 7: so that I don't have to move into your house.
Speaker 5: I mean the question is what would you have to
Speaker 5: What would you lose if you had to declare bankruptcy?
Speaker 4: Yeah, because you would still have a certain amount of
Speaker 4: equity in the house.
Speaker 5: Yeah, you still get you do have the homestead exemption,
Speaker 5: which is one hundred and eighty thousand ish.
Speaker 4: That's it.
Speaker 7: So only one hundred and eighty thousand of my equity
Speaker 7: is protected?
Speaker 4: Correct? And then you've got retirement accounts are protected from bankruptcy.
Speaker 4: Is there any way people can get to those retirement
Speaker 4: accounts or it's just ultimately almost except for fraud, Say,
Speaker 4: it just never happens, No one ever pierces at.
Speaker 5: I mean again, like you know, the the the defense
Speaker 5: to having a judgment entered against you to declare bankruptcy.
Speaker 5: So what do you have to list on that bankruptcy petition?
Speaker 4: Wait?
Speaker 7: So, but you would would you preemptively declare bankruptcy before
Speaker 7: the judgment?
Speaker 11: Yeah?
Speaker 4: Does that?
Speaker 7: Is that better than waitings? There's any benefit to twelve?
Speaker 4: Maybe you want up to declare bankruptcy.
Speaker 5: I mean that's that's a threat, right, I mean you're
Speaker 5: gonna lose a lot in bankruptcy, so, I mean you
Speaker 5: don't want to do that? Made rather pay the judgment.
Speaker 5: Let's see what the judgment is. But you tell them
Speaker 5: I'm going to declare bankruptcy. That's what everyone tells, you know,
Speaker 5: the attorney is doing them Like if even if you win,
Speaker 5: I'm going to declare bankruptcy.
Speaker 4: Is that a bluff or not? I don't know. And
Speaker 4: a lot of that your insurance company Dmitri. But like
Speaker 4: just using your car accident scenario, I mean, your your
Speaker 4: insurance company is not going to be very happy if
Speaker 4: they can pay out a million dollars and make it over,
Speaker 4: but you've got another million in assets are going to
Speaker 4: go against because I mean they're going to have to
Speaker 4: put up the defense. But I don't know how many
Speaker 4: people would try to go after that that money. Does
Speaker 4: that happen a lot? Dan, You can't switch money. Well,
Speaker 4: like let's say he's let's say you hurt somebody in
Speaker 4: a car accident, like he said, and he's got a
Speaker 4: million dollars in liability and he's got five hundred thousand
Speaker 4: dollars sitting in the bank. I mean a lot of
Speaker 4: people are not going to go through the entire court
Speaker 4: thing when they can easily get that million dollars from
Speaker 4: the insurance company. Yeah, that usually is. Yeah, do you
Speaker 4: follow what I'm saying there?
Speaker 11: Yeah?
Speaker 10: I do.
Speaker 7: And my question was if the judgment against this hypothetical
Speaker 7: defendant is far in excess of their insurance limits, and
Speaker 7: then the judgment creditor wants to go after all their
Speaker 7: personal assets. So during that esso, oh, yeah, well exactly,
Speaker 7: And I'm not arguing that they shouldn't, right, but so
Speaker 7: so the only thing that's protected in that case is
Speaker 7: one hundred eighty thousand in my home equity, my my
Speaker 7: I RAH accounts, and that's it. Nothing in my bank account, nothing.
Speaker 7: How about my personal property at home? I mean, can
Speaker 7: they come in and start confiscating?
Speaker 4: Still there's still bankruptcy limits, but yeah, But I think
Speaker 4: the bigger question there is this, is there anything you
Speaker 4: can do? Let's say you do have the four Let's
Speaker 4: say you have ten million dollars in assets and you're
Speaker 4: willing to do whatever. Is there anything you can put
Speaker 4: people into so this wouldn't happen. That kicks in quicker
Speaker 4: than what were you saying? Two years?
Speaker 7: I think yeah. I think Dan's best case scenario that
Speaker 7: he told me about his at his seminar was this
Speaker 7: two year was it a maturity period or agent.
Speaker 4: If the judgment didn't already happen. I could understand if
Speaker 4: if the judgment happened, then you move the assets. But
Speaker 4: I mean, if you go out and you create one
Speaker 4: of these trust that protects your assets, why do you
Speaker 4: have to wait two years? What is that?
Speaker 5: It's whatever the state legislature decided was appropriate. I think
Speaker 5: they just don't want people doing this and then the
Speaker 5: next day feeling like okay on bulletproof, like there's no
Speaker 5: commitment there, like I'm just going to put assets in
Speaker 5: this trust and suddenly I can't get suit.
Speaker 7: Yeah, okay, Dan, Are the assets in this trust also
Speaker 7: protected from taxing authorities to the same extent they are
Speaker 7: from other creditors?
Speaker 4: Question?
Speaker 7: Are they protected at all from taxing taxing authorities?
Speaker 5: I mean, you can get assets out of your name
Speaker 5: for like a state tax purposes, but if you're earning
Speaker 5: income on those, like you know it's going to be
Speaker 5: taxed somehow.
Speaker 4: I'm not even sure if you owe just on a
Speaker 4: little separate note, but the same wave, I'm not sure
Speaker 4: if you owed payroll taxes, for example, let's say you
Speaker 4: owed the trust fund portion. I'm not saying the IRS
Speaker 4: would do it. But I think if you had an
Speaker 4: IRA with money in it that if they really wanted to,
Speaker 4: they might be able to get to that retirement count.
Speaker 4: I don't know. I mean, that's really for a bankruptcy
Speaker 4: or a Chapter eleven attorney. But I think the IRS
Speaker 4: is one of the very few entities that can do
Speaker 4: some stuff like that. I'm not saying they do do
Speaker 4: it because it's not good in general, because why would
Speaker 4: people put money into a protected account that ultimately isn't
Speaker 4: protected from everybody?
Speaker 7: Well, well, yeah, I have a feeling that IRS has
Speaker 7: their own special rules and most of us aren't protected
Speaker 7: at all.
Speaker 4: What's the biggest call you get from the show Dan?
Speaker 4: Is it someone like on a day like today? Afterwards?
Speaker 4: Do you get people like, you know, how much is
Speaker 4: a trust? I mean? Or what do I need? So
Speaker 4: when people call you up? What what should they expect
Speaker 4: when they call you up and say, hey, I want
Speaker 4: to talk to Dan? I mean, really what happens from there?
Speaker 5: I mean, we do get a lot of calls from
Speaker 5: people just say like how much would it cost? And uh,
Speaker 5: you know I would I would shy away from anyone
Speaker 5: who will just answer that, I mean without knowing anything
Speaker 5: about you, right. I mean it's like calling a mechanic
Speaker 5: and saying how much is going to cost to fix
Speaker 5: my car? And they say three hundred bucks?
Speaker 4: Like great? Why didn't ask me any questions?
Speaker 10: Right?
Speaker 4: I mean that's well, where's something?
Speaker 11: Right?
Speaker 13: Uh?
Speaker 4: For some reason, people don't really see it that way
Speaker 4: or the turn they I just need a simple well.
Speaker 4: I don't know if you need a simple well. We
Speaker 4: do simple wells, but you're not. You're not hourly or
Speaker 4: not hourly, we'll give you a flat fee.
Speaker 5: So the process is, you schedule, you can talk with
Speaker 5: our paralegal, you can talk with one me or my
Speaker 5: other attorney, and we will tell you what we think
Speaker 5: you need based on your assets.
Speaker 4: So there's such a basic question. So so someone calls
Speaker 4: you up and I mean you're saying, okay, do you
Speaker 4: have kids? I mean, what kind of value do you have?
Speaker 4: How much equity in your house? I assume you're basically
Speaker 4: trying to paint a picture of who you're talking to.
Speaker 4: Are we dealing with three year old? A three year
Speaker 4: old kid? Are we dealing with you know, thirty year old?
Speaker 4: And two called earlier is fifty three? I mean that's
Speaker 4: a big difference. Oh, it's a huge difference.
Speaker 5: I mean, are we dealing with a family is trying
Speaker 5: to do this quickly because we got somebody wh's got
Speaker 5: on Alzheimer's diagnosis? Or is this just young parents? I
Speaker 5: mean it's a lot of variables.
Speaker 4: Do you do You get a lot of people like, hey,
Speaker 4: my parents, I mean, I'm kind of in this. They're
Speaker 4: in good health, thank God, and good mentally and physically,
Speaker 4: but they're in their eighties and you start thinking about
Speaker 4: long term care in some form of acid protection because
Speaker 4: a lot of people, look, I don't care what you
Speaker 4: think about it, because we don't make the rules. I'm
Speaker 4: not a legislator, and I simply don't make the Medicaid
Speaker 4: and the Medicare rules. I just don't do it. But
Speaker 4: at some point, if you've got a half a million
Speaker 4: or a million dollars, you can eat through that. A
Speaker 4: couple could eat through that in long term care. Oh yeah,
Speaker 4: like in two years and they have nothing to leave
Speaker 4: to the kids that they worked for forever. If they
Speaker 4: don't have assets and they qualify for Medicare, they can
Speaker 4: actually get paid in where they're at. I mean, in
Speaker 4: other words, they could be in a facility. I'm not
Speaker 4: saying people want to be in that facility, but I'm saying,
Speaker 4: you know, honestly, you want your parents to be somewhere
Speaker 4: safe and stuff. But if they're one hundred percent out
Speaker 4: of it, I mean, I don't know what they know
Speaker 4: or what they don't you know what I'm saying. But
Speaker 4: my question is do you have people thinking along those
Speaker 4: lines like, Hey, we work so hard and we want
Speaker 4: to leave our kids or our grandkids this money, and
Speaker 4: how do we protect it? What do we do? How
Speaker 4: do we protect a family house, the family farm, how
Speaker 4: do we protect a bank account? I mean, is that
Speaker 4: a big Oh? Yeah?
Speaker 5: I think I said earlier that's our most common asset
Speaker 5: protection question is how do I pretend to protect myself
Speaker 5: from end of life care costs and medical bills?
Speaker 4: And after you get by a period of time, Based
Speaker 4: upon what Dimitri was saying, if you have that window,
Speaker 4: that two year window or whatever it is, after that window,
Speaker 4: they generally are one hundred percent protected with these with
Speaker 4: these protection methods, and no lawyers are going to say that, right.
Speaker 5: I mean, you know that the problem with putting assets
Speaker 5: into Nevada is it's still in the United States.
Speaker 4: Well, but fair enough. But I'm saying, under most circumstances,
Speaker 4: it's a pretty good strategy.
Speaker 7: Yeah, then some states.
Speaker 4: Hold on, we got to take this hold on guys.
Speaker 4: We'll come back to Dan in a second. Then, folks,
Speaker 4: I'm going to give out his number. Really, this guy's great.
Speaker 4: You call him up, and here's what I love about him.
Speaker 4: You talk to him, you talk to his partner, you
Speaker 4: talk to the paralegals. They get all the information. Then
Speaker 4: they come back, Oh, it's a simple will. You're just
Speaker 4: having your first kid, you live in an apartment. Simple
Speaker 4: will is going to cause you only this or asset
Speaker 4: protection's going to run you this. He comes back and
Speaker 4: tells you how much it is. There's no hourly, there's
Speaker 4: no surprise here. That's what he does.
Speaker 10: Hold on, Go with a sure thing Denver's Best roofer
Speaker 10: Excel roofing dot com.
Speaker 2: You don't pay a cent until you're content than.
Speaker 10: Time for an insurance checkup, free no obligation comparison call
Speaker 10: compass insurance paying too much your coverage at dozens of
Speaker 10: insurance companies. Find out now three O three seven seven
Speaker 10: to one help. You'll think you're his only customer when
Speaker 10: you choose Frank durand The real estate Man dot com
Speaker 10: to list your home with Remax Alliance three oh three
Speaker 10: nine two zero sixteen twenty two