WEBVTT 1 00:00:05.400 --> 00:00:06.240 Ripped up. 2 00:00:07.719 --> 00:00:10.800 News, so you don't have. 3 00:00:12.960 --> 00:00:16.440 Come run in just as sass as you can. Show 4 00:00:16.640 --> 00:00:19.399 Shooter's gonna help coming man. 5 00:00:20.160 --> 00:00:25.280 This is the Troubleshooter Show. No Tom Martinez, Welcome, Welcome 6 00:00:25.320 --> 00:00:26.440 to the Only. 7 00:00:26.280 --> 00:00:28.760 Show if it's kind of here. Solve problems, answer questions, 8 00:00:28.800 --> 00:00:31.920 take complaints. My goal in life's to make your life 9 00:00:31.960 --> 00:00:33.920 a little bit better. You've been ripped off, You've been 10 00:00:33.960 --> 00:00:37.280 taken advantage of. We've got lines open. The show's just starting. 11 00:00:37.359 --> 00:00:41.159 I want to sink my teeth into something. Three zero 12 00:00:41.320 --> 00:00:44.719 three seven, one, three eight, two five five or three 13 00:00:44.759 --> 00:00:46.840 oh three Martino, by the way, that number works on 14 00:00:46.960 --> 00:00:50.079 and off the air, joining me in studio. Two day. 15 00:00:50.840 --> 00:00:55.000 Attorney at Law, Dan Mackenzie. Anything that has to do 16 00:00:55.119 --> 00:00:59.679 with trusts and probate, Dan, how would you describe everything 17 00:00:59.719 --> 00:01:02.880 you do? What's the best way in a paragraph or 18 00:01:02.920 --> 00:01:05.480 at least a long sentence to describe what you do? 19 00:01:05.719 --> 00:01:09.000 We really just help people get prepared for any situation 20 00:01:09.000 --> 00:01:10.159 where they're going to need some help. 21 00:01:10.359 --> 00:01:11.120 So you know. 22 00:01:11.200 --> 00:01:13.079 The famous one, of course, is if you pass away, 23 00:01:13.200 --> 00:01:16.359 but that is only one situation. Any most of us 24 00:01:16.400 --> 00:01:18.519 have situations in our lives where maybe we're injured, or 25 00:01:18.519 --> 00:01:19.719 hospitalized or just out of town. 26 00:01:19.760 --> 00:01:20.760 And oh that's a good one. 27 00:01:20.959 --> 00:01:24.000 So yeah, so what do you do for someone that's hospitalized? 28 00:01:24.879 --> 00:01:27.120 I mean, that's power of attorney documents. Usually your will 29 00:01:27.200 --> 00:01:29.599 is not helpful in that situation. And we're trying to 30 00:01:29.640 --> 00:01:32.239 plan to make sure that there is somebody trustworthy who 31 00:01:32.239 --> 00:01:34.159 can step in and do stuff like just open mail, 32 00:01:34.280 --> 00:01:35.159 pay bills, talk. 33 00:01:35.000 --> 00:01:37.319 To your marriage company, like that kind of everything like that. 34 00:01:37.840 --> 00:01:40.519 Got Deputy d sit into my right, Deputy Scott, we 35 00:01:40.640 --> 00:01:43.560 got Deputy Chopper Kelly's into the house, and of course 36 00:01:43.560 --> 00:01:45.719 Shannon on the other side of the board. If you 37 00:01:46.200 --> 00:01:48.599 have been ripped off or just need some help, we 38 00:01:48.680 --> 00:01:51.480 got a list to people at referralist dot com along 39 00:01:51.599 --> 00:01:54.040 with the experts here in studio. They can answer any 40 00:01:54.079 --> 00:01:57.120 of your questions. Maybe a contractor ripped you off, maybe 41 00:01:57.120 --> 00:02:01.480 you've got a problem with the landlord, all of the above. 42 00:02:01.560 --> 00:02:05.079 Three oh three seven one three eight two five five 43 00:02:05.239 --> 00:02:09.840 three zero three Martino Deputies, any updates whatsoever? What do 44 00:02:09.919 --> 00:02:15.960 we have cooking? No, Scott, no updates, Dmitri any updates, sir? 45 00:02:16.039 --> 00:02:17.199 Yeah, I've got an update for you. 46 00:02:17.319 --> 00:02:18.159 What do you got, Scott? 47 00:02:18.439 --> 00:02:21.960 A couple of weeks ago, we had I'm gonna grab 48 00:02:22.000 --> 00:02:28.039 my notes real quick. One second here. 49 00:02:28.120 --> 00:02:30.520 One second, I don't got a second, Scott three oh 50 00:02:30.560 --> 00:02:35.400 three seven one three eight two five five? Come on now? 51 00:02:35.800 --> 00:02:38.080 Is it Garrett? After all this? I hope it's a 52 00:02:38.120 --> 00:02:41.080 great update, Like one hundred million dollars? What are we 53 00:02:41.120 --> 00:02:41.639 talking here? 54 00:02:41.680 --> 00:02:46.719 We had Gary Collin and uh he's he actually is. 55 00:02:46.879 --> 00:02:49.759 Uh he's with one of our sponsors. But he had 56 00:02:49.759 --> 00:02:54.520 bought a uh, really expensive sofa from Lazy Boy up 57 00:02:54.599 --> 00:02:55.360 before Collins. 58 00:02:55.400 --> 00:02:58.560 How much eleven thousand dollars? Oh my god for just 59 00:02:58.639 --> 00:03:00.719 one sofa like a whole family, right. 60 00:03:01.240 --> 00:03:02.879 No, I think it's like one sofa, but. 61 00:03:03.080 --> 00:03:08.280 One sofa eleven thousand dollars. Ye, okay, yep. And they 62 00:03:08.360 --> 00:03:13.319 delivered it back in September. And the day after, you know, 63 00:03:14.240 --> 00:03:17.520 they delivered it, Gary and his wife noticed some problems 64 00:03:17.560 --> 00:03:19.240 with it, like what what kind of problem? 65 00:03:19.360 --> 00:03:23.719 There was some dance and some parts didn't fit quite right, 66 00:03:24.840 --> 00:03:26.240 and so then he's. 67 00:03:26.199 --> 00:03:27.759 Kind of parts are there for a sofa? 68 00:03:27.800 --> 00:03:30.400 Well, maybe it's a recliner. I think in the ends, 69 00:03:30.439 --> 00:03:32.240 like a sectional sectional exactly? 70 00:03:32.280 --> 00:03:32.759 Fair enough? 71 00:03:32.840 --> 00:03:35.520 Yeah, yeah, it's more than just so if I think 72 00:03:35.520 --> 00:03:37.840 this is like a sectional that got it curves around 73 00:03:38.479 --> 00:03:40.800 but in this so they reached out to Lazy Boy, 74 00:03:41.000 --> 00:03:44.000 and Lazy Boy sent someone out, We're going to order 75 00:03:44.039 --> 00:03:47.919 a part. Took forever and ever and ever to get parts, 76 00:03:48.560 --> 00:03:51.400 and so that he called here and wanted us to 77 00:03:51.439 --> 00:03:53.879 go back to Lazy Boy and he just wanted. 78 00:03:53.639 --> 00:03:56.639 To He wanted to refun I'm not so sure what 79 00:03:56.719 --> 00:03:59.400 their refund policy is, but okay, yeah, you know we 80 00:03:59.439 --> 00:04:02.840 had one year years ago with Lazy Boy. They wanted 81 00:04:02.840 --> 00:04:07.039 to return it because it smelled. They said it got 82 00:04:07.039 --> 00:04:10.319 delivered and it smelled, and I literally went out during 83 00:04:10.360 --> 00:04:14.000 the show, Tom was here and I smelled it and 84 00:04:14.080 --> 00:04:18.360 it did smell. It actually smelled, and we got them 85 00:04:18.439 --> 00:04:22.680 it smelled like from aaldehyde. Oh goodness, No, it was horrible. 86 00:04:22.720 --> 00:04:25.839 It had the most worst chemical smell ever and they 87 00:04:25.839 --> 00:04:28.839 couldn't get rid of it. So ultimately they refunded it. 88 00:04:28.920 --> 00:04:32.000 But it was a fight. So what happened here, So. 89 00:04:32.439 --> 00:04:36.120 A couple of weeks ago, Lazy Boy finally agreed, Hey, 90 00:04:36.120 --> 00:04:38.839 we're gonna come out, we'll pick up your sofa, we're 91 00:04:38.879 --> 00:04:41.399 not going to charge every stocking fee, and we're going 92 00:04:41.480 --> 00:04:42.399 to give your money back. 93 00:04:42.680 --> 00:04:48.519 Nice. Yeah, just because some missing parts, and yeah, I 94 00:04:48.560 --> 00:04:51.680 mean it just the sofa wasn't what he expected for 95 00:04:51.759 --> 00:04:54.199 eleven thousand bucks thousand dollars. It should have been the 96 00:04:54.279 --> 00:04:57.839 Macdaddy of all Macdaddy's of sofas. I agree, one hundred percent. 97 00:04:58.199 --> 00:05:00.800 That's great. That's another eleven thousand and do our over 98 00:05:00.879 --> 00:05:06.879 three hundred million dollars cash merchandise exchanges refunds directly due 99 00:05:06.959 --> 00:05:12.439 to this show Chopper Any updates, Dmitri Any updates eight mark. Yes, sir, 100 00:05:12.560 --> 00:05:13.240 I have a question. 101 00:05:13.399 --> 00:05:15.680 Maybe, yes, I'd like to turn this over. 102 00:05:15.519 --> 00:05:18.079 To you, because you have that What is it? 103 00:05:18.600 --> 00:05:18.959 Remember? 104 00:05:19.160 --> 00:05:21.399 What is it? What is it that I have that 105 00:05:21.399 --> 00:05:25.040 that fill in the blank down what I want to 106 00:05:25.040 --> 00:05:30.959 help him? What is it? Jennis? A quadre? Oh man, 107 00:05:31.040 --> 00:05:32.879 you stow the words out of my mouth. So you 108 00:05:32.920 --> 00:05:34.399 got that. I got that? 109 00:05:35.160 --> 00:05:38.120 Remember about oh, probably about. 110 00:05:37.839 --> 00:05:40.120 Three four weeks ago, closer to the mic, sir, three 111 00:05:40.199 --> 00:05:40.879 four weeks ago. 112 00:05:41.360 --> 00:05:44.920 Uh, we had a guy take his truck into Bradley's 113 00:05:45.000 --> 00:05:46.560 down there in Peblo. 114 00:05:46.800 --> 00:05:49.199 And then do you remember that. What was the problem 115 00:05:49.199 --> 00:05:49.519 with it? 116 00:05:49.639 --> 00:05:53.040 Well, they were They gave him an outrageous bid. I 117 00:05:53.079 --> 00:05:57.000 think it was seventy eight thousand dollars to get it fixed. 118 00:05:57.360 --> 00:06:00.199 The rail was bad, the fuel was bad. Seventy eight 119 00:06:02.120 --> 00:06:03.199 seventy eight thousand. 120 00:06:03.439 --> 00:06:05.759 Well I said seventy eight hundred last time, but everyone 121 00:06:05.800 --> 00:06:06.560 said I was wrong. 122 00:06:06.680 --> 00:06:10.040 Maybe I said seven. It was seventy eighth. I remember that. Well, 123 00:06:10.079 --> 00:06:12.240 so they did two things. They did a fuel pump 124 00:06:12.279 --> 00:06:15.319 and then ultimately what fixed it was a fuel ran 125 00:06:15.680 --> 00:06:20.120 They and they were gonna refund they they he still. 126 00:06:19.759 --> 00:06:23.199 Claims they're going to do it all zero cost. Here's 127 00:06:23.240 --> 00:06:23.839 the problem. 128 00:06:24.040 --> 00:06:27.720 Who claims that the dealership okay, because you're gonna run 129 00:06:27.720 --> 00:06:28.560 it under warranty? 130 00:06:28.560 --> 00:06:31.560 What are they They're going to drin it apparently under warranties. 131 00:06:31.600 --> 00:06:34.319 But it's been like four or five weeks now and 132 00:06:34.399 --> 00:06:35.399 the truck's still there. 133 00:06:35.600 --> 00:06:37.319 Well, why they they don't have the part? 134 00:06:37.839 --> 00:06:40.079 I don't know. I've called them a couple of times. 135 00:06:40.079 --> 00:06:41.839 This is where the mark comes in. 136 00:06:42.079 --> 00:06:43.639 Well, what am I gonna do on that? I mean, 137 00:06:43.680 --> 00:06:46.240 what do they possibly say to you when you call 138 00:06:46.360 --> 00:06:48.360 They won't call you back? What does the consumers say? 139 00:06:48.360 --> 00:06:49.079 What's the callers? 140 00:06:49.120 --> 00:06:50.079 So we're going to fix it. 141 00:06:50.120 --> 00:06:53.079 And here's the part that I'm not poking the bear on. 142 00:06:53.439 --> 00:06:56.279 They've given them a car to use. Oh, it's good, 143 00:06:56.600 --> 00:06:58.759 so I I really don't know. That's why I'm kind 144 00:06:58.759 --> 00:07:01.279 of asking your expertise. What should we poked the bear 145 00:07:01.360 --> 00:07:02.839 or should we just let it get good. 146 00:07:02.920 --> 00:07:04.839 I need to know is if they can get the 147 00:07:04.920 --> 00:07:07.519 part or not. If literally the fuel rail. I think 148 00:07:07.560 --> 00:07:09.519 that's what needs to be done at this point is 149 00:07:09.600 --> 00:07:11.839 back ordered. I mean, what are we gonna do. We 150 00:07:12.360 --> 00:07:14.319 had to have information from the caller. 151 00:07:14.360 --> 00:07:16.680 I'm going to go off during the show and give 152 00:07:16.720 --> 00:07:18.279 the caller another call, ask him. 153 00:07:18.160 --> 00:07:20.360 Ask him to ask the caller what's going on now? 154 00:07:20.399 --> 00:07:23.240 Maybe it's said and done. Can you not get in 155 00:07:23.279 --> 00:07:24.120 touch with the caller? 156 00:07:24.199 --> 00:07:27.319 No, the caller keeps in touch with me, and he 157 00:07:27.319 --> 00:07:29.240 said he would call me when it was done. But 158 00:07:29.360 --> 00:07:31.720 like I said, I didn't really want to poke the 159 00:07:31.720 --> 00:07:33.000 bear if they gave him a car. 160 00:07:33.120 --> 00:07:35.800 We had a caller one time we got back one 161 00:07:35.879 --> 00:07:39.319 hundred thousand dollars on a mini house. It was built 162 00:07:39.360 --> 00:07:41.920 like on a like on a trailer. It had like 163 00:07:42.360 --> 00:07:44.759 it was a mini house. It wasn't like a fifth wheel. 164 00:07:44.800 --> 00:07:47.360 It was technically a mini house and you would put 165 00:07:47.399 --> 00:07:50.680 it on a slab of cement somewhere and whatever happened, 166 00:07:50.680 --> 00:07:53.439 it showed up they couldn't deliver it to where the 167 00:07:53.480 --> 00:07:57.319 guy wanted it, and ultimately they were going to give 168 00:07:57.360 --> 00:08:01.879 him a refund, and ultimately they did give him a refund. Okay, 169 00:08:02.279 --> 00:08:05.720 he wouldn't come on for the update because he signed 170 00:08:05.720 --> 00:08:08.199 a release with him saying he wouldn't talk about it, 171 00:08:08.439 --> 00:08:11.360 So they basically told him, too bad. So sad, your 172 00:08:11.399 --> 00:08:14.800 mini house is off I twenty five near Pueblo, you 173 00:08:14.839 --> 00:08:17.600 can go get it. We left it there and we 174 00:08:17.800 --> 00:08:19.600 ended up getting them to pick it up and give 175 00:08:19.639 --> 00:08:22.000 them a refund on it because they resold it to somebody. 176 00:08:22.160 --> 00:08:24.240 But he got a full refund. He didn't want to 177 00:08:24.279 --> 00:08:26.279 come on and say it because he signed that release. 178 00:08:26.560 --> 00:08:28.839 So that's why I asked you, if you've been talking 179 00:08:28.879 --> 00:08:31.079 to the consumer a lot of times, he'll sign a 180 00:08:31.120 --> 00:08:33.960 release and they're terrified to come back on because if 181 00:08:34.000 --> 00:08:36.360 you look at that release and I'll bring Dan McKenzie 182 00:08:36.399 --> 00:08:39.679 in in a general release, Dan, that says, hey, you're 183 00:08:39.679 --> 00:08:42.320 not going to disparage us in writing or by word 184 00:08:42.360 --> 00:08:44.919 of mouth or talk about a settlement. I mean, it 185 00:08:44.960 --> 00:08:48.080 covers every aspect. So coming on the air and saying, yeah, 186 00:08:48.120 --> 00:08:51.000 they gave us a full refund could create a problem. 187 00:08:51.200 --> 00:08:54.639 And most releases actually say they might want the money 188 00:08:54.639 --> 00:08:56.519 back at that point. Yeah, yeah, I wouldn't. 189 00:08:56.960 --> 00:08:59.759 I wouldn't give him a reason to iddn't know if 190 00:08:59.799 --> 00:09:01.480 you've sign the release, if it's if it's a part 191 00:09:01.519 --> 00:09:03.000 and me to keep talking, don't sign the release. 192 00:09:03.080 --> 00:09:04.759 Yeah, that's it. Then what you do is you come 193 00:09:04.799 --> 00:09:06.679 on air and say, hey, they're gonna cut me a check. 194 00:09:06.720 --> 00:09:09.039 They're gonna give me the full amount. Would you please 195 00:09:09.159 --> 00:09:12.080 just not say anything about it until afterwards. So there's 196 00:09:12.159 --> 00:09:15.039 different ways of handling it. So Shannon, do I have 197 00:09:15.159 --> 00:09:18.200 fifteen zero reses? Or I see you got them all 198 00:09:18.240 --> 00:09:21.200 fixed up? I appreciate that. Look, we've got lines open. 199 00:09:21.240 --> 00:09:23.440 We never have lines open. I want to hear from you. 200 00:09:23.759 --> 00:09:26.919 Three zero three seven one three eight two five five 201 00:09:26.960 --> 00:09:30.279 three oh three Martino. Any problems, you got any comments? 202 00:09:30.679 --> 00:09:32.919 We want to help three to ozho three Martino will 203 00:09:32.960 --> 00:09:34.240 be back right after this. 204 00:09:38.039 --> 00:09:41.279 Go with a sure thing Denver's Best roofer Excel roofing 205 00:09:41.399 --> 00:09:44.039 dot com. You don't pay a cent until you're content. 206 00:09:47.399 --> 00:09:50.600 Time for an insurance check up free, no obligation. In comparison, 207 00:09:50.720 --> 00:09:54.279 call Compass insurance pay too much your coverage at dozens 208 00:09:54.320 --> 00:09:57.039 of insurance companies find out now three oh three, seven 209 00:09:57.039 --> 00:09:59.399 to seven to one help. You'll think you're his only 210 00:09:59.480 --> 00:10:01.960 customer when you choose Frank durand the real estate man 211 00:10:02.000 --> 00:10:05.399 dot com to list your home with Remax Alliance three 212 00:10:05.480 --> 00:10:09.720 oh three nine two zero sixteen twenty two. 213 00:10:10.840 --> 00:10:14.679 All right, three oh three seven one three eight two 214 00:10:14.720 --> 00:10:17.080 five five three oh three Martino, you've been ripped off 215 00:10:17.159 --> 00:10:20.080 or taken advantage of. We also have Dan McKenzie and 216 00:10:20.200 --> 00:10:25.480 with this coo plans dot co. Anything to do with wills, trust? Dan, 217 00:10:25.519 --> 00:10:27.799 Do most people get a will or trust these days? 218 00:10:27.919 --> 00:10:31.159 I mean, I realize everybody's different, but what's the benefit 219 00:10:31.200 --> 00:10:34.080 of the trust over a will for vice versa? 220 00:10:34.559 --> 00:10:38.480 Well, yeah, I mean I trusts are usually better. I 221 00:10:38.480 --> 00:10:41.440 think most attorneys and even most online systems charge a 222 00:10:41.440 --> 00:10:42.559 little bit more to set up trusts. 223 00:10:42.559 --> 00:10:43.960 They're a little bit more work to set up. 224 00:10:44.440 --> 00:10:46.480 You've got to retitle your stuff to the trust, whereas 225 00:10:46.480 --> 00:10:48.159 with a will, you're just saying, take whatever I have 226 00:10:48.240 --> 00:10:49.759 and give it to these people, right, You don't really 227 00:10:49.799 --> 00:10:51.720 have to do much work beyond that. With a trust, 228 00:10:52.200 --> 00:10:54.639 you're creating this thing that you're gonna put It's like 229 00:10:54.679 --> 00:10:56.879 a vehicle that you're putting your stuff into and it's 230 00:10:56.919 --> 00:11:00.440 going to manage your stuff. So the reason it works 231 00:11:00.440 --> 00:11:02.799 so well is because you run it during your lifetime 232 00:11:02.840 --> 00:11:05.759 and then it's just someone else steps in immediately in 233 00:11:05.840 --> 00:11:08.039 any situation. It could be death, could be the inpacity 234 00:11:08.080 --> 00:11:10.279 events we were just talking about, and they just take 235 00:11:10.320 --> 00:11:11.960 over that trust and they keep going. They don't need 236 00:11:11.960 --> 00:11:14.360 any court authorization to do it because the thing that 237 00:11:14.399 --> 00:11:17.000 owns your stuff, which is the trust, is always alive 238 00:11:17.039 --> 00:11:18.000 and well, so. 239 00:11:17.879 --> 00:11:19.840 It's almost like an LLLC in a lot of way. 240 00:11:19.879 --> 00:11:20.120 It is. 241 00:11:20.159 --> 00:11:22.519 It's like an lc I for your personal stuff. And 242 00:11:22.559 --> 00:11:25.279 then you can also, of course, like in our trust, 243 00:11:25.720 --> 00:11:28.440 you can well, actually we change this. But at one 244 00:11:28.480 --> 00:11:30.840 point when the kids were younger, you know, if they 245 00:11:30.840 --> 00:11:33.039 wanted to use the money for college, they could use 246 00:11:33.080 --> 00:11:35.600 it for that. But they wouldn't simply get a lump 247 00:11:35.679 --> 00:11:37.720 sum of money at any certain time. I mean that's 248 00:11:37.759 --> 00:11:38.799 pretty normal, right. 249 00:11:39.000 --> 00:11:41.759 Yeah, you can describe under what conditions that people who 250 00:11:41.799 --> 00:11:44.960 are going to receive that money get it, So you 251 00:11:45.000 --> 00:11:46.080 could say they just get it. 252 00:11:46.519 --> 00:11:48.080 Yeah, of course, then they do get it. 253 00:11:48.039 --> 00:11:50.440 Right, but you can put most restrictions that you can 254 00:11:50.440 --> 00:11:52.559 think of on it. You can't violate public policy. You 255 00:11:52.600 --> 00:11:55.679 can't tell public policy. You can't say you got to 256 00:11:55.720 --> 00:11:57.440 marry within the faith to get this money. 257 00:11:57.679 --> 00:12:00.240 Oh really no, Now why couldn't you say that just 258 00:12:00.279 --> 00:12:01.840 out of curiosity. 259 00:12:01.320 --> 00:12:03.720 Because we're not discouraging marriage in the society. We're not 260 00:12:03.759 --> 00:12:06.399 going to you know, bind someone at the like. You know, 261 00:12:06.399 --> 00:12:08.200 there's a famous case you read in law school where 262 00:12:08.200 --> 00:12:11.039 somebody was that they were supposed to marry within the 263 00:12:11.080 --> 00:12:12.519 Jewish faith and they lived in a part of the 264 00:12:12.519 --> 00:12:14.840 country where there really wasn't a large Jewish population. 265 00:12:14.879 --> 00:12:17.360 He's like, I can't do it because that would change 266 00:12:17.360 --> 00:12:18.559 public policy on it. 267 00:12:19.799 --> 00:12:22.000 That is where the court said, look, we are not 268 00:12:22.120 --> 00:12:24.440 going to set up a situation where somebody is going 269 00:12:24.519 --> 00:12:27.679 to get paid for getting married. We're not going to 270 00:12:27.720 --> 00:12:30.159 pay people to get divorced. We're not going to you know, 271 00:12:30.600 --> 00:12:32.600 hold money back if they don't get married. 272 00:12:32.759 --> 00:12:34.960 Could you say they have to get married or still 273 00:12:34.960 --> 00:12:37.120 that would be the same, that would be the same 274 00:12:37.200 --> 00:12:40.039 public policy. It just generally married. 275 00:12:40.120 --> 00:12:43.159 I mean probably, Yeah, you're you're probably violating public policy. 276 00:12:43.200 --> 00:12:46.240 We don't want people out there getting married for this money. Yeah, 277 00:12:46.360 --> 00:12:50.240 how about can you leave money to a grand kid 278 00:12:50.679 --> 00:12:52.559 that hasn't been born yet. 279 00:12:54.240 --> 00:12:56.679 You can set aside money and say it's going to 280 00:12:56.720 --> 00:12:58.799 be in this class of people, but you got to 281 00:12:58.799 --> 00:13:01.519 work that pretty carefully, because we don't want money tied 282 00:13:01.600 --> 00:13:02.919 up in some situation. 283 00:13:02.559 --> 00:13:05.600 Where where they don't have kids or can have kids. Yeah, 284 00:13:05.840 --> 00:13:09.480 but people do leave money to generations down the line. Sure, yeah, yeah, 285 00:13:09.559 --> 00:13:10.360 I mean a lot of people. 286 00:13:10.600 --> 00:13:12.919 I mean all of our trusts say look to my descendants, 287 00:13:12.960 --> 00:13:15.600 and if my descendant still has money in this trust 288 00:13:16.120 --> 00:13:17.559 and they pass away, then it's going to go to 289 00:13:17.559 --> 00:13:18.120 their descendants. 290 00:13:18.120 --> 00:13:19.960 And they don't have any descendants at the moment. So 291 00:13:20.120 --> 00:13:23.799 when does someone cross over from that simple will? Like, 292 00:13:24.039 --> 00:13:28.240 let's say, I'll just use our own situation. When Susanna 293 00:13:28.240 --> 00:13:30.960 and I first got married, I mean, god, we were 294 00:13:31.000 --> 00:13:34.000 so young. I was like twenty one, she was eighteen, 295 00:13:34.919 --> 00:13:39.600 and actually I don't think we had a will up 296 00:13:39.679 --> 00:13:42.440 until we had kids. We simply didn't have anything, so 297 00:13:42.480 --> 00:13:44.559 it really didn't matter. We lived in an apartment, we 298 00:13:44.639 --> 00:13:47.440 live paycheck to paycheck, I mean, we really had nothing. 299 00:13:47.480 --> 00:13:49.120 But soon as we had kids and we had to 300 00:13:49.120 --> 00:13:52.159 start thinking, Okay, if something happens to both of us, 301 00:13:52.360 --> 00:13:54.919 who's going to watch the kids. So that would either 302 00:13:54.960 --> 00:13:58.399 be my parents or her parents or whoever you specify. So, 303 00:13:58.480 --> 00:14:00.919 but beyond that, when you just have a kid but 304 00:14:01.000 --> 00:14:04.440 no assets, when do you cross over to that next level? 305 00:14:04.480 --> 00:14:06.600 If you need more than a simple will. 306 00:14:07.120 --> 00:14:09.399 I think, well, there are certain situations where you really 307 00:14:09.440 --> 00:14:10.080 have to have a trust. 308 00:14:10.080 --> 00:14:11.080 So once you have kids. 309 00:14:11.120 --> 00:14:14.240 If you have kids who are minors, they cannot receive money. 310 00:14:14.279 --> 00:14:16.720 An adult has to receive it for them, so there 311 00:14:16.720 --> 00:14:18.399 can be money set aside for them. Again, put an 312 00:14:18.440 --> 00:14:21.200 adult adult in charge of that, and that is a trust. 313 00:14:21.240 --> 00:14:22.799 If you don't do that, then the court's going to 314 00:14:22.799 --> 00:14:23.960 do it through a conservatorship. 315 00:14:24.039 --> 00:14:26.519 And then I heard the conservatorship. They can eat up 316 00:14:26.559 --> 00:14:28.639 the funds. Pretty cool. It can be pretty expensive. 317 00:14:29.000 --> 00:14:31.519 I mean the person who is the conservator is operating 318 00:14:31.519 --> 00:14:33.559 without any instructions from you at all. You don't know 319 00:14:33.559 --> 00:14:35.399 who that person is. I mean, the court watches them 320 00:14:35.399 --> 00:14:37.360 pretty closely, which is part of the drawback. They got 321 00:14:37.399 --> 00:14:39.159 to report to the court every year and get. 322 00:14:39.039 --> 00:14:39.799 Which is the pain. 323 00:14:39.919 --> 00:14:42.919 Yeah, and then at twenty one, your kid gets it 324 00:14:43.000 --> 00:14:45.039 whatever it is right, whether they're ready for it or not, 325 00:14:45.200 --> 00:14:48.840 so that conservatorship ends. So it could be still like 326 00:14:48.919 --> 00:14:52.159 a lot of people have life insurance, home equity, retirement 327 00:14:52.200 --> 00:14:53.759 accounts and don't feel like I don't feel like I 328 00:14:53.799 --> 00:14:55.559 have a lot of money. Well, it's all in these 329 00:14:55.559 --> 00:14:58.159 things that I can't access. You might got a lot 330 00:14:58.200 --> 00:14:59.519 of equity, but you don't have a lot. 331 00:14:59.559 --> 00:15:01.440 Well that would I'll be turned into cash and handed 332 00:15:01.440 --> 00:15:06.039 to my kid. Yeah, that's that's that's interesting. And then 333 00:15:06.919 --> 00:15:09.200 if you don't like a kid. We heard of people 334 00:15:09.279 --> 00:15:11.519 writing someone out of the will. That's not a big deal. 335 00:15:11.519 --> 00:15:14.200 It's got nothing to do with public interest. Like, if 336 00:15:14.240 --> 00:15:16.159 one of my kids pisses me off, I don't have 337 00:15:16.200 --> 00:15:17.000 to leave them anything. 338 00:15:17.759 --> 00:15:20.399 No, I mean, you still want to be thoughtful about 339 00:15:20.399 --> 00:15:21.919 that because the people are going to bear the brunt 340 00:15:21.960 --> 00:15:24.600 of that kid's anger are your other kids, because you're 341 00:15:24.759 --> 00:15:25.399 you're to bear it. 342 00:15:25.440 --> 00:15:27.759 So yeah, but there's no issue with that. There's no 343 00:15:27.840 --> 00:15:29.759 legal issue. You know, what happens if you don't have 344 00:15:29.799 --> 00:15:33.279 a will, you're gonna have you know, if you so 345 00:15:33.720 --> 00:15:36.840 let's say you have assets, yeah and no will, what 346 00:15:36.919 --> 00:15:39.320 happens to your money to the state. 347 00:15:39.440 --> 00:15:41.519 Yeah, well, yeah, that's not really true. There are default 348 00:15:41.559 --> 00:15:44.399 rules about who it goes to. And it's kind of 349 00:15:44.399 --> 00:15:45.759 what you would think, right, it's going to go to 350 00:15:45.799 --> 00:15:47.240 my spouse. I have a spouse, and it's going to 351 00:15:47.279 --> 00:15:48.759 go to my kids. If I don't have a spouse, 352 00:15:49.240 --> 00:15:51.639 it gets more interesting if you and your spouse have 353 00:15:51.720 --> 00:15:55.679 different kids, and a lot of times that situation really 354 00:15:55.759 --> 00:15:57.320 never lines up with what people want. 355 00:15:59.000 --> 00:16:00.679 You know, when you're leaving stuff to step kids, a 356 00:16:00.720 --> 00:16:01.360 lot of people. 357 00:16:01.159 --> 00:16:02.879 Want to hand it like, get take care of my 358 00:16:02.919 --> 00:16:05.480 spouse and then get to my kids right We're not, 359 00:16:05.720 --> 00:16:07.639 you know, necessarily put in a situation where my kids 360 00:16:07.679 --> 00:16:10.399 are going to inherit right away, which is under intestinate 361 00:16:10.759 --> 00:16:12.159 rules that that can happen. 362 00:16:12.279 --> 00:16:15.639 When do people have to When should people update their 363 00:16:15.679 --> 00:16:19.840 will or update their trust, like directly after divorce for example, 364 00:16:20.120 --> 00:16:22.519 and maybe when they get remarried. How about how about 365 00:16:22.559 --> 00:16:25.279 if they're just simply moving from Let's say you do 366 00:16:25.879 --> 00:16:29.559 a trust and will for somebody here in Colorado and 367 00:16:29.679 --> 00:16:32.639 they move to Texas, is that time to update? I 368 00:16:32.679 --> 00:16:33.840 would certainly yes. 369 00:16:34.000 --> 00:16:36.440 I mean, that's interesting to pick those two states because 370 00:16:36.519 --> 00:16:39.200 Texas is a community property state, which has different rules 371 00:16:39.240 --> 00:16:42.799 around capital gainst tax, so that actually is a pretty 372 00:16:42.840 --> 00:16:46.519 important move. But from here to Wyoming, sure, I mean 373 00:16:46.559 --> 00:16:49.039 I still would advise people like you probably want. You know, 374 00:16:49.600 --> 00:16:52.039 a validly executed will in Colorado is probably. 375 00:16:51.759 --> 00:16:52.799 Gonna be honored in Wyoming. 376 00:16:53.200 --> 00:16:55.320 But I just generally like for the paperwork to match 377 00:16:55.399 --> 00:16:56.519 up with the current situation. 378 00:16:57.159 --> 00:16:59.559 But what if someone didn't. Let's go back to Texas. 379 00:16:59.600 --> 00:17:01.799 You said, that's one of the you know, strange ones 380 00:17:01.919 --> 00:17:04.279 or one of the different ones. Yeah, so how does 381 00:17:04.319 --> 00:17:07.880 that look if we move, someone moves, they never update 382 00:17:07.920 --> 00:17:10.759 the will and they end up passing away I mean, 383 00:17:10.799 --> 00:17:13.839 most likely will. Everything goes somewhat smooth, but a lot 384 00:17:13.880 --> 00:17:15.200 more steps. Yeah, I mean. 385 00:17:15.200 --> 00:17:16.839 The thing I'm referring to there is you might have 386 00:17:16.880 --> 00:17:18.880 heard of the capitol of gains step up, where you know, 387 00:17:18.920 --> 00:17:21.440 when you pass away assets that pass to people, the 388 00:17:21.480 --> 00:17:24.400 capital gains basis bumps up to the data death value 389 00:17:24.440 --> 00:17:28.720 will getty Texas in every state, but in community property states, 390 00:17:28.759 --> 00:17:30.960 which is the state's running along the western coast of 391 00:17:31.000 --> 00:17:34.319 the United States mostly, and then Wisconsin. Weirdly, there are 392 00:17:34.319 --> 00:17:36.759 fourteen states that are community property states, and it bumps 393 00:17:36.839 --> 00:17:39.839 up twice, So it bumps up entirely at the first 394 00:17:39.839 --> 00:17:41.480 death and then again at the second death. 395 00:17:41.519 --> 00:17:43.640 That does not happen in the other thirty six takes. 396 00:17:43.720 --> 00:17:46.720 So give me an example. Let's take like, what a house. Yeah, 397 00:17:46.759 --> 00:17:48.839 so you've got let's say the house is paid off, 398 00:17:49.079 --> 00:17:52.440 it's worth a million bucks. Now what so I pass 399 00:17:52.519 --> 00:17:55.759 away and it goes directly to my wife? That doesn't 400 00:17:55.960 --> 00:17:57.400 that doesn't trigger anything to you. 401 00:17:57.559 --> 00:17:59.559 Is that if your wife wants to sell the house, 402 00:17:59.640 --> 00:18:02.359 she's got to get some step up from when you 403 00:18:02.480 --> 00:18:03.720 passed away. 404 00:18:03.480 --> 00:18:05.319 So she'd have her fifty percent. 405 00:18:05.480 --> 00:18:07.960 Yeah, and then it would In a community property state, 406 00:18:08.000 --> 00:18:10.200 it's the whole thing, stepped up, the whole thing. 407 00:18:10.359 --> 00:18:13.680 Yeah, so both of our shares, even though I'm. 408 00:18:13.559 --> 00:18:17.079 The only one percent step up twice. All separate property 409 00:18:17.079 --> 00:18:18.559 states don't have that, So you can have a plan. 410 00:18:18.960 --> 00:18:21.680 People in these community property states plan differently than those 411 00:18:21.720 --> 00:18:22.160 of us in. 412 00:18:22.160 --> 00:18:23.240 Separate property states. 413 00:18:23.480 --> 00:18:25.599 Oh, they have a separate property plan and move to 414 00:18:25.599 --> 00:18:27.480 a community property state or vice versa. 415 00:18:28.119 --> 00:18:29.680 You wh I think about that? You know, you made 416 00:18:29.680 --> 00:18:33.599 me think of something saying that we hear of corporations 417 00:18:33.640 --> 00:18:36.319 that will set up in Delaware. I mean, Dimitri, how 418 00:18:36.319 --> 00:18:38.519 many times do you see a corporation and they're based 419 00:18:38.559 --> 00:18:39.400 out of Delaware? 420 00:18:39.720 --> 00:18:41.720 Oh, it's like almost all of the major ones. 421 00:18:41.839 --> 00:18:44.039 And I'm pretty sure the reason they do that, they're 422 00:18:44.160 --> 00:18:47.319 very favorable when it comes to going to court and 423 00:18:47.359 --> 00:18:49.680 having different issues. And I'm sure you know some about it. 424 00:18:49.759 --> 00:18:52.720 Dan of setting it up in there is setting it 425 00:18:52.799 --> 00:18:55.480 up in Delaware. Oh yeah. Does it ever make sense 426 00:18:55.599 --> 00:18:57.839 to set up a trust? And I'm not We'll talk 427 00:18:57.920 --> 00:19:01.200 offshore maybe a little later, but I'm not talking offshore. 428 00:19:01.240 --> 00:19:03.759 I'm talking in the country. Does it ever make sense 429 00:19:03.839 --> 00:19:06.720 if you live in Texas to have the will actually 430 00:19:06.759 --> 00:19:08.720 done in Colorado or somewhere else. 431 00:19:09.319 --> 00:19:13.839 Yeah, So you just still compared trust to LLC's and 432 00:19:14.359 --> 00:19:17.519 I agreed with that, except that LLCs provide asset protection. 433 00:19:17.720 --> 00:19:20.599 Like if I have an LLC and something happens and 434 00:19:20.640 --> 00:19:22.440 it gets sued, it's supposed to be separate from me. 435 00:19:22.559 --> 00:19:24.240 My first is going to lie. 436 00:19:24.240 --> 00:19:26.480 A trust is not a revocal living trust does not 437 00:19:26.519 --> 00:19:29.039 do that. That's the most common type of trust. There 438 00:19:29.079 --> 00:19:31.880 are certain states, and again I want to say, maybe 439 00:19:31.880 --> 00:19:34.960 it's fourteen of them that have certain laws saying we 440 00:19:35.000 --> 00:19:36.799 will allow you to set up a trust in this 441 00:19:36.920 --> 00:19:40.440 state that we will consider to be an asset protection trust, 442 00:19:40.440 --> 00:19:42.640 even though you set it up for yourself, and it's 443 00:19:42.680 --> 00:19:44.200 literally called that, it's. 444 00:19:44.000 --> 00:19:46.960 Called a domestics. Still not an LLC. It's a trust 445 00:19:46.960 --> 00:19:50.119 and it's an asset protection Yeah. LLCs are for business, 446 00:19:50.119 --> 00:19:52.559 and I would someone want that, Like, give me an 447 00:19:52.559 --> 00:19:56.039 idea of why you would want an asset protection trust. 448 00:19:56.279 --> 00:19:58.680 If I'm in a profession that gets sued all the time. 449 00:19:58.799 --> 00:20:01.279 So if I am a radiologist and I have a 450 00:20:01.359 --> 00:20:03.720 high professional liability and I want to get assets. I 451 00:20:03.759 --> 00:20:05.720 got more assets than I frankly need for my day 452 00:20:05.759 --> 00:20:07.119 to day life, and I want to get them out 453 00:20:07.119 --> 00:20:09.759 of my name. Putting them in a revocal living trust 454 00:20:09.799 --> 00:20:11.480 is not going to accomplish that. If I get sued, 455 00:20:12.160 --> 00:20:14.079 those assets are still on the line, just like if 456 00:20:14.079 --> 00:20:15.920 I have them. But if I put them in a 457 00:20:16.079 --> 00:20:18.559 trust in Nevada and set them up correctly and have 458 00:20:18.599 --> 00:20:20.839 a trustee out there and it's irrevocable, I really can 459 00:20:20.920 --> 00:20:22.599 tell people coming after me like, hey, that's in the 460 00:20:22.680 --> 00:20:24.079 trust that you're not gonna be able to penetrate. 461 00:20:24.200 --> 00:20:26.559 That almost sounds to me is if in Colorado that 462 00:20:26.599 --> 00:20:28.799 would simply be an irrevocable trust. 463 00:20:28.880 --> 00:20:31.240 Yeah, Colorado does not let you self settle trust for 464 00:20:31.319 --> 00:20:32.559 asset protection purposes? 465 00:20:32.799 --> 00:20:35.839 Can you? But if you have an irrevocable trust, isn't that. 466 00:20:36.640 --> 00:20:40.599 In other words, if I make a deal with Scott, Hey, Scott, 467 00:20:40.640 --> 00:20:42.599 you're going to take care of me and my wife 468 00:20:42.680 --> 00:20:45.279 until we die, although that'd be funny because he's older 469 00:20:45.319 --> 00:20:47.720 than me. But anyhow, let's just say we make that 470 00:20:47.880 --> 00:20:50.480 deal and in exchange, I don't have a lot of money, 471 00:20:50.480 --> 00:20:52.960 but I'm going to have this trust to where my 472 00:20:53.119 --> 00:20:56.240 life insurance policy or whatever I've got going goes into 473 00:20:56.240 --> 00:20:58.519 the trust, and that is he's going to be the 474 00:20:58.559 --> 00:21:01.480 beneficiary of it. And there's no way I can change 475 00:21:01.480 --> 00:21:05.000 my mind because it's your revocable that money. If someone 476 00:21:05.079 --> 00:21:08.200 came after me for that money for something, let's say 477 00:21:08.200 --> 00:21:11.200 I was a radiologist. Yeah, I mean, they couldn't get it, right. 478 00:21:11.279 --> 00:21:13.440 That's that's pretty tough to still it. 479 00:21:13.480 --> 00:21:17.599 They can still get a Nevada, Wyoming, Alaska, Delaware, South Dakota. 480 00:21:17.640 --> 00:21:21.880 They all have statutory schemes specifically allowing you to set 481 00:21:21.920 --> 00:21:24.680 up self settled trust trust for you. So the situation 482 00:21:24.720 --> 00:21:26.440 you're describing, I guess is not a self settle trust 483 00:21:26.440 --> 00:21:27.799 because you've given it away and you are not a 484 00:21:27.839 --> 00:21:28.759 beneficiar anymore. 485 00:21:29.079 --> 00:21:30.519 Okay, So these states that. 486 00:21:30.480 --> 00:21:34.400 I'm mentioning allows your trust for your own benefit and 487 00:21:34.599 --> 00:21:36.680 count those assets as not yours. 488 00:21:36.759 --> 00:21:39.160 They got it, okay, Dan, So I got to take 489 00:21:39.200 --> 00:21:41.839 this break. But the question coming back, and I promised 490 00:21:41.920 --> 00:21:44.279 Chris and whoever else is on we'll get into there. 491 00:21:44.319 --> 00:21:49.839 But coming back, why wouldn't you set up a trust? Well, 492 00:21:49.880 --> 00:21:52.160 I guess if you're not in a high risk business 493 00:21:52.240 --> 00:21:54.720 or you don't have a lot of assets, would be 494 00:21:54.759 --> 00:21:57.039 the reason, because you wouldn't spend the money to have 495 00:21:57.119 --> 00:21:59.680 you do something like that ad of Nevada or one 496 00:21:59.680 --> 00:22:02.839 of these other states. But you must do stuff like 497 00:22:02.920 --> 00:22:06.279 that for some people. Oh yeah, So doctors are very common. 498 00:22:06.440 --> 00:22:09.400 Doctors are very common. The most common asset protection trust. 499 00:22:09.480 --> 00:22:11.759 Actually, we do our medicaid trusts right where people who 500 00:22:11.759 --> 00:22:13.960 are elderly are worried about losing all their assets on 501 00:22:14.079 --> 00:22:14.640 ut care. 502 00:22:14.720 --> 00:22:16.759 I want to talk about that because I'm kind of 503 00:22:16.799 --> 00:22:19.960 in that boat with my parents, and I'll explain after this. 504 00:22:24.799 --> 00:22:28.079 Go with a sure thing Denver's Best roofer Excel roofing 505 00:22:28.160 --> 00:22:28.759 dot com. 506 00:22:28.799 --> 00:22:30.839 You don't pay a cent until you're content. 507 00:22:32.400 --> 00:22:37.400 Please time for an insurance checkup free no obligation comparison 508 00:22:37.519 --> 00:22:41.079 call Compass insurance paying too much your coverage at dozens 509 00:22:41.079 --> 00:22:43.799 of insurance companies find out now three O three seven 510 00:22:43.799 --> 00:22:46.160 to seven to one help. You'll think you're his only 511 00:22:46.279 --> 00:22:48.759 customer when you choose Frank durand the real estate man 512 00:22:48.799 --> 00:22:52.160 dot com to list your home with Remax Alliance three 513 00:22:52.240 --> 00:22:58.480 oh three nine two zero sixteen twenty two. 514 00:23:02.400 --> 00:23:04.799 All right, folks three L three seven one three A 515 00:23:04.920 --> 00:23:07.920 two five five three ZHO three Martino. I was talking 516 00:23:07.920 --> 00:23:09.359 to Dan, then I promise, I'm going to go to 517 00:23:09.440 --> 00:23:11.880 Chris and Dick. We have two lines open three zero 518 00:23:11.960 --> 00:23:14.039 three seven one three A two five five. Where else 519 00:23:14.079 --> 00:23:17.200 can you get free legal advice on any path? And 520 00:23:17.240 --> 00:23:20.960 I you know, Dan specializes in what Dan specializes in 521 00:23:21.079 --> 00:23:25.400 wills trust, basically anything life planning. I think that's one 522 00:23:25.440 --> 00:23:28.160 of the best ways to call it asset protection. But 523 00:23:28.279 --> 00:23:31.400 we have attorneys that specialize in personal injury that can 524 00:23:31.440 --> 00:23:33.880 help you. We have family law attorneys that can help you. 525 00:23:34.319 --> 00:23:36.400 And Dan, I got to ask you this real quick 526 00:23:36.720 --> 00:23:39.920 and then we'll take a call. But you went through 527 00:23:40.000 --> 00:23:43.640 law school and then you graduate, and I'm just learning 528 00:23:43.640 --> 00:23:45.720 this because of our daughter. I always thought, up until 529 00:23:45.720 --> 00:23:47.880 our daughter was in law school, like when you're in 530 00:23:47.960 --> 00:23:50.079 law school, you go, okay, I want to be personal 531 00:23:50.079 --> 00:23:52.279 injury or I want to do this or that not 532 00:23:52.400 --> 00:23:55.079 the case at all. No, it's simply not the case. 533 00:23:55.359 --> 00:23:57.880 When they cut you loose from law school, I mean, 534 00:23:57.920 --> 00:24:00.240 you've got to find a focus, find a job, book, 535 00:24:00.480 --> 00:24:03.559 and then decide, you know, family law whatever. So when 536 00:24:03.599 --> 00:24:05.920 you first got out of law school, what brought you, 537 00:24:06.440 --> 00:24:10.559 what brought you to planning? I mean, what brought you 538 00:24:10.599 --> 00:24:13.319 to where you are now? Did you do any other forms? 539 00:24:13.720 --> 00:24:13.759 No? 540 00:24:13.839 --> 00:24:16.400 I was letigator for ten years. Oh wait, wait a minute, 541 00:24:16.480 --> 00:24:19.200 I'm remembering. I'm a consumer fraud letigator for ten years. 542 00:24:19.240 --> 00:24:23.480 That's unbelievable. I've asked you this before and you really didn't. 543 00:24:24.079 --> 00:24:27.000 You liked it. It gave you. Oh man, how you 544 00:24:27.160 --> 00:24:28.759 described where you left? 545 00:24:29.119 --> 00:24:32.680 Yeah, it's uh, you know lawyers who do that kind 546 00:24:32.720 --> 00:24:35.960 of work or kind of controversial you know. Right now 547 00:24:35.960 --> 00:24:39.759 you've got the Consumer Protection Bureau is a controversial part 548 00:24:39.759 --> 00:24:41.680 of the government that is been kind. 549 00:24:41.480 --> 00:24:42.440 Of shut down. Yep. 550 00:24:42.839 --> 00:24:45.039 And that is really in line with the kind of 551 00:24:45.079 --> 00:24:46.559 law that I did. I mean, I was in the 552 00:24:46.599 --> 00:24:49.039 private arena but doing class actions, and I was the 553 00:24:49.079 --> 00:24:50.680 class actions are very controversial. 554 00:24:51.079 --> 00:24:53.480 Yeah, when you've done you can you talk about one? 555 00:24:53.680 --> 00:24:55.559 I'm sure. I mean like we uh. 556 00:24:55.599 --> 00:24:57.640 One of the bigger ones we worked on was the 557 00:24:57.759 --> 00:25:00.440 free credit report dot com, right, which is actually a 558 00:25:00.480 --> 00:25:02.799 subscription service to get your credit score. We can go 559 00:25:02.839 --> 00:25:04.599 on there and supposedly get a free credit report. 560 00:25:04.680 --> 00:25:07.920 Yeah yeah, and if you like, do everything perfectly, stand 561 00:25:08.000 --> 00:25:10.240 on your head three twists, not back the. 562 00:25:10.200 --> 00:25:12.119 Things they asked for your credit card number during that 563 00:25:12.279 --> 00:25:15.279 and then you know, everyone that we talked to who 564 00:25:15.319 --> 00:25:17.240 didn't realize they were signing up for a subsecution thought 565 00:25:17.279 --> 00:25:19.880 I thought that was part of the process of identifying myself, Say, 566 00:25:19.960 --> 00:25:22.160 get me my credit report, and then. 567 00:25:22.400 --> 00:25:23.680 Could you guys win that one? 568 00:25:23.839 --> 00:25:26.200 I mean that really you said the class didn't get certified, 569 00:25:26.240 --> 00:25:28.319 So I mean that's part of the frustration of this 570 00:25:28.480 --> 00:25:31.000 is like to get the class certified, like you really 571 00:25:31.039 --> 00:25:33.720 got to show everybody had the same experience, suffered the 572 00:25:33.720 --> 00:25:34.319 same injury. 573 00:25:34.839 --> 00:25:36.640 So it's actually really hard to do, right. 574 00:25:36.519 --> 00:25:39.359 So you've got like, I mean, a very common use 575 00:25:39.440 --> 00:25:41.640 for class actions is like car defects. Right, you got 576 00:25:41.680 --> 00:25:44.240 a car if three percent of the cars have an 577 00:25:44.240 --> 00:25:47.079 issue with the brakes, like you know, there'sons and thousands 578 00:25:47.160 --> 00:25:49.200 of cars, Yeah, that is a problem. But it's like 579 00:25:49.200 --> 00:25:52.640 how do you show or like a pacemaker. Oh, medical devices. 580 00:25:52.680 --> 00:25:55.480 Medical devices are usually mass towarts, which is different than 581 00:25:55.519 --> 00:25:59.079 class actions. Also a huge you know, conglomeration of cases 582 00:25:59.119 --> 00:26:02.200 in the court system. But everybody's got their own case, 583 00:26:02.319 --> 00:26:05.240 because if you get the pacemaker and I get the pacemaker, 584 00:26:05.319 --> 00:26:07.079 maybe you have a heart attack, I have a stroke. 585 00:26:07.160 --> 00:26:09.079 You know, what's your compensation versus mine? 586 00:26:09.559 --> 00:26:11.400 Crazy? Hey Chris, what's going on with you? 587 00:26:12.720 --> 00:26:12.920 Hey? 588 00:26:12.960 --> 00:26:16.559 Mark? Mine is more a cautionary tale than anything. But 589 00:26:16.640 --> 00:26:19.519 I do have a couple of questions as well. And 590 00:26:19.559 --> 00:26:23.759 this retains to a death that took place ten years ago, 591 00:26:23.880 --> 00:26:29.359 so we're we've lost everything. It was my ex husband 592 00:26:30.519 --> 00:26:35.960 and we've been divorced for many years, and the last 593 00:26:36.000 --> 00:26:38.920 two to three years of his life he had a 594 00:26:39.079 --> 00:26:40.240 common law wife. 595 00:26:40.480 --> 00:26:43.759 He died ten years ago. Yes, and then when he 596 00:26:43.839 --> 00:26:46.559 died ten years ago, how long had he had a Well, 597 00:26:46.599 --> 00:26:48.680 when you say common law, I mean I don't really 598 00:26:48.759 --> 00:26:51.480 think it matters. I mean, if they file tax he 599 00:26:51.599 --> 00:27:00.279 turns together, go ahead, it does, Okay? She well, ask 600 00:27:00.359 --> 00:27:03.319 you something, Just hold on. I want to understand something, Chris. 601 00:27:03.920 --> 00:27:07.920 Is your intention of talking and just using the word 602 00:27:07.960 --> 00:27:10.759 common law, The fact that they really weren't married is 603 00:27:10.759 --> 00:27:13.720 that where you're going correct? Did they live together? 604 00:27:14.279 --> 00:27:14.440 Yes? 605 00:27:14.640 --> 00:27:16.480 Did they file tax returns together? 606 00:27:16.960 --> 00:27:17.160 No? 607 00:27:17.440 --> 00:27:18.759 Did they own a house together? 608 00:27:19.400 --> 00:27:19.640 No? 609 00:27:19.920 --> 00:27:23.319 Did they tell people in public they were married? Okay? 610 00:27:23.359 --> 00:27:26.319 Then why were they common law married? And who determined that? 611 00:27:28.240 --> 00:27:30.000 The state of Texas? Apparently? 612 00:27:30.279 --> 00:27:34.599 Okay, it just helped me out here. Why would the 613 00:27:34.640 --> 00:27:38.400 state of Texas determine that even though every question that 614 00:27:38.480 --> 00:27:42.319 I just asked you was a no. So what was there? 615 00:27:43.599 --> 00:27:44.680 If I take that back? 616 00:27:44.839 --> 00:27:47.119 Let me go back ten years after the day after 617 00:27:47.200 --> 00:27:50.440 he died, and we went down to Texas, my daughter, 618 00:27:50.720 --> 00:27:56.119 his heir, our daughter, I guess I should say. And 619 00:27:56.359 --> 00:28:01.119 the common law wife presented me with this document that 620 00:28:01.279 --> 00:28:06.000 said that it was a common law marriage. She wouldn't 621 00:28:06.079 --> 00:28:08.359 let me copy it. She wouldn't give me a copy 622 00:28:08.400 --> 00:28:10.880 of it. She said, go back to Denver. 623 00:28:11.160 --> 00:28:14.359 And I have never heard Now, first of all, we're 624 00:28:14.400 --> 00:28:16.680 in Colorado. But Dan, I'll ask you if you ever 625 00:28:16.720 --> 00:28:21.599 heard of a document that declares that you're common married. 626 00:28:21.680 --> 00:28:22.799 I just never heard of that. 627 00:28:24.000 --> 00:28:24.359 I have not. 628 00:28:24.720 --> 00:28:26.039 I mean, that's usually a marriage. 629 00:28:26.119 --> 00:28:28.000 The whole point of commence exactly. 630 00:28:28.240 --> 00:28:31.160 No, that's not of common law. That's the whole purpose 631 00:28:31.240 --> 00:28:35.599 of marriage. A document that you're married. Hey, do me 632 00:28:35.640 --> 00:28:38.200 a favorite Kelly get get Bonnie shields On. I do 633 00:28:38.279 --> 00:28:40.839 want to ask her that question. But keep going, Chris. 634 00:28:40.880 --> 00:28:44.400 So she shows you this document. Let me guess what 635 00:28:44.519 --> 00:28:47.799 happens here. The husband passes away your ex and then 636 00:28:47.880 --> 00:28:51.359 instead of your kid getting everything, the common law or 637 00:28:51.359 --> 00:28:52.640 his wife got everything. 638 00:28:52.880 --> 00:28:53.359 Correct. 639 00:28:53.599 --> 00:28:57.039 Okay, but somewhire, Dan, I know this is Texas, but 640 00:28:57.559 --> 00:29:02.279 if this was Colorado, at some point some judge somewhere 641 00:29:02.920 --> 00:29:07.079 agreed that the daughter would get everything right, cred that 642 00:29:07.119 --> 00:29:10.680 the spouse got everything. Oh, I'm sorry, the spouse got everything. Yeah, 643 00:29:10.759 --> 00:29:11.839 that can get time and dido. 644 00:29:12.039 --> 00:29:15.119 Sometimes we will put in a probate application, say this 645 00:29:15.240 --> 00:29:17.000 is the spouse. We all say that they are the 646 00:29:17.039 --> 00:29:20.079 common law spouse. But you notify everyone and let them know. 647 00:29:20.079 --> 00:29:22.680 If you disagree, come present you know your case? 648 00:29:23.240 --> 00:29:25.160 Did you? Did you present your case? 649 00:29:25.240 --> 00:29:25.480 Chris? 650 00:29:25.519 --> 00:29:26.759 At that time, I'm just. 651 00:29:26.720 --> 00:29:28.599 Saying, here's what happened. 652 00:29:28.640 --> 00:29:29.200 Okay. 653 00:29:29.359 --> 00:29:32.880 The I never I couldn't even tell you what the 654 00:29:32.920 --> 00:29:36.279 document said at this point and couldn't get a copy 655 00:29:36.279 --> 00:29:36.400 of it. 656 00:29:37.039 --> 00:29:39.480 But it doesn't even matter what it said, because at 657 00:29:39.480 --> 00:29:41.480 some point after he passed that. 658 00:29:41.519 --> 00:29:45.039 Then though Mark, I didn't know what the rules were 659 00:29:45.519 --> 00:29:49.319 or not for common law marriage. And I come back 660 00:29:49.359 --> 00:29:53.720 to Denver and I'm calling every county in Colorado trying 661 00:29:54.279 --> 00:29:57.920 trying to find somebody that can prove that they were 662 00:29:58.000 --> 00:30:02.880 common law married, and of course nobody has any record 663 00:30:02.920 --> 00:30:03.200 of that. 664 00:30:03.279 --> 00:30:05.240 All right, hold on, Let's let me take this break. 665 00:30:05.240 --> 00:30:07.599 I promise I'll bring you right up after the break. 666 00:30:07.759 --> 00:30:10.599 I'm dying to see kind of where this goes, because 667 00:30:10.799 --> 00:30:13.599 at some point it went through either probate, it went 668 00:30:13.720 --> 00:30:17.559 somewhere right, Dan and the wife ended up with the money. 669 00:30:17.880 --> 00:30:20.400 But this is I do want to get Bonnie Shields 670 00:30:20.400 --> 00:30:23.480 on to see if she's ever heard of anything like this. Everybody, 671 00:30:23.480 --> 00:30:23.920 hold on. 672 00:30:28.519 --> 00:30:31.759 Go with a sure thing Denver's best roofer Excel Roofing 673 00:30:31.880 --> 00:30:34.519 dot com. You don't pay a cent until you're content. 674 00:30:37.920 --> 00:30:41.079 Time for an insurance check up free, no obligation. In comparison, 675 00:30:41.200 --> 00:30:44.799 call Compass Insurance paying too much your coverage at dozens 676 00:30:44.799 --> 00:30:47.519 of insurance companies find out now three O three seven 677 00:30:47.559 --> 00:30:49.880 to seven to one help. You'll think you're his only 678 00:30:49.960 --> 00:30:52.440 customer when you choose Frank Durand the real estate Man 679 00:30:52.480 --> 00:30:55.880 dot com to list your home with Remax Alliance three 680 00:30:56.119 --> 00:31:00.559 three nine two zero sixteen twenty two. 681 00:31:02.200 --> 00:31:04.799 All right, three oh three seven one three eight two 682 00:31:04.839 --> 00:31:07.039 five five three oh three Martino. By the way, this 683 00:31:07.119 --> 00:31:10.759 hour brought to you by Frank Duran, the real estate man. 684 00:31:10.839 --> 00:31:13.000 Frank Duran made us so much money in our house 685 00:31:13.039 --> 00:31:15.839 in Castlerock. You know, he sold our model for more 686 00:31:16.279 --> 00:31:19.480 than that same model sold for anywhere else in the neighborhood. 687 00:31:19.640 --> 00:31:22.079 And he did it with his secret sauce. And by 688 00:31:22.119 --> 00:31:24.799 the way, Frank Durant sells more homes listen to this, 689 00:31:25.319 --> 00:31:30.000 more homes in one month than the average colorad and 690 00:31:30.839 --> 00:31:34.839 sells in over a year and two months. Think about that, 691 00:31:35.200 --> 00:31:37.440 and you don't believe it, go to MLS look it up. 692 00:31:37.440 --> 00:31:40.240 The stats are the stats, all right, simple as that, 693 00:31:40.400 --> 00:31:42.839 Frank Durant Holmes dot com. And then, of course when 694 00:31:42.880 --> 00:31:46.519 he helped us buy our house in uh franktown man, 695 00:31:46.559 --> 00:31:49.359 did he beat up the other people? He beat him up. 696 00:31:49.400 --> 00:31:52.960 He helped us negotiate that. He's just a great guy, 697 00:31:53.359 --> 00:31:55.200 Frank Durant, Holmes dot Com. Now I'm going to go 698 00:31:55.240 --> 00:31:58.279 back to Chris. So, Chris, continue your story. Ten years 699 00:31:58.319 --> 00:32:01.960 ago you basically your your her husband died and he 700 00:32:02.039 --> 00:32:08.279 apparently got remarried, but they didn't actually get married. The 701 00:32:08.440 --> 00:32:12.559 judge basically said, well, no, you actually said you saw 702 00:32:12.559 --> 00:32:16.039 a document from her, although you could never find where 703 00:32:16.079 --> 00:32:18.640 that document came from or find it again, that said 704 00:32:18.640 --> 00:32:21.799 they were common law married, right, Chris. 705 00:32:21.039 --> 00:32:23.559 Correct, except that we never got to a judge. 706 00:32:23.599 --> 00:32:26.119 You never Okay, hold on, I wanted to ask Bonnie 707 00:32:26.119 --> 00:32:28.759 Shield something. I have two attorneys involved in this. Dan 708 00:32:28.839 --> 00:32:31.200 McKenzie is going to jump in on part of it. 709 00:32:31.240 --> 00:32:33.559 But Bonnie, I wanted to ask you this. Have you 710 00:32:33.720 --> 00:32:36.279 ever seen a document in your life from any state 711 00:32:36.359 --> 00:32:40.519 we happen to be talking about Texas that literally says 712 00:32:40.880 --> 00:32:44.880 I assume it's or Colorado, anywhere I don't care, Bonnie, 713 00:32:44.960 --> 00:32:48.640 anywhere that says someone's common law married. Wouldn't that be 714 00:32:48.759 --> 00:32:51.240 called an actual marriage a marriage certificate? 715 00:32:52.279 --> 00:32:52.720 Not at all? 716 00:32:52.759 --> 00:32:55.519 I see him. I've seen several. They're usually called after 717 00:32:55.559 --> 00:32:59.440 David of common law marriage. Wow, it happens that I 718 00:32:59.559 --> 00:33:01.920 see it. Poor when you go into your HR and say, 719 00:33:02.000 --> 00:33:03.960 I'm coming on married. I want to put my wife 720 00:33:04.119 --> 00:33:07.680 on my health insurance. I've got a police department require it, 721 00:33:07.839 --> 00:33:09.680 got it? So I have, and I have one in 722 00:33:09.720 --> 00:33:14.559 a case. Currently, there's an affidavit or fancy for something else. 723 00:33:14.799 --> 00:33:18.519 So body once that's in place, if there ever was 724 00:33:18.640 --> 00:33:22.599 an argument upon death, for example, if that was the 725 00:33:22.599 --> 00:33:26.160 wife or not, that Affidavid would pretty much prove in 726 00:33:26.359 --> 00:33:29.240 most circumstances. I'm not saying it could have been phonied 727 00:33:29.319 --> 00:33:32.640 up or something, but in most circumstances they are married. 728 00:33:34.519 --> 00:33:39.119 Well, it's it's still iffy. And the reasons I actually 729 00:33:39.279 --> 00:33:41.359 the one I had where it was a police department 730 00:33:41.400 --> 00:33:45.359 Affidavid that the one of the party signed. We went 731 00:33:45.400 --> 00:33:48.960 to court many years later and I got the judge 732 00:33:49.000 --> 00:33:51.880 to find there was no common law marriage because their 733 00:33:51.960 --> 00:33:57.000 actions after that like filing separate tax return. 734 00:33:57.279 --> 00:33:59.960 So they did it just for whatever benefited at the time. 735 00:34:00.200 --> 00:34:05.240 Was your argument. Okay, hold on, So this isn't going 736 00:34:05.279 --> 00:34:06.839 to be as quick as I thought. So if you 737 00:34:06.839 --> 00:34:08.800 can hold on, that'd be great, Bonnie, because we're up 738 00:34:08.800 --> 00:34:11.840 against it. But Chris, so, now we're ten years later, 739 00:34:12.159 --> 00:34:16.840 he died and basically the wife instead of his daughter 740 00:34:17.000 --> 00:34:20.519 with you got everything? Is that part correct? 741 00:34:21.239 --> 00:34:25.039 Correct? Mark? And now that we've got this affidavit thing 742 00:34:25.559 --> 00:34:29.000 nailed down, I'm pretty sure that's what happened because he 743 00:34:29.039 --> 00:34:31.840 came down with cancer he had no insurance. 744 00:34:33.119 --> 00:34:36.159 The woman there, all right, hold on, hold on, hold on, 745 00:34:36.239 --> 00:34:39.679 we'll come back to that, Bonnie. Just if you can 746 00:34:39.719 --> 00:34:41.719 hang on greater, I can have Kelly call you back 747 00:34:41.760 --> 00:34:44.360 wherever you want to handle it. And Dick, I promise 748 00:34:44.440 --> 00:34:46.800 I got an insurance expert if I can't answer it. 749 00:34:46.920 --> 00:34:49.119 And then we have two lines open. Three oh three 750 00:34:49.280 --> 00:34:53.320 seven one three eight two five five three oh three Martino. 751 00:34:57.840 --> 00:35:00.679 Go with a sure thing Denver's Best Roof for Excel 752 00:35:00.760 --> 00:35:01.800 Roofing dot com. 753 00:35:01.840 --> 00:35:03.840 You don't pay a cent until you're content. 754 00:35:07.239 --> 00:35:10.400 Time for an insurance check up free, no obligation comparison 755 00:35:10.559 --> 00:35:14.119 call Compass Insurance paying too much your coverage at dozens 756 00:35:14.119 --> 00:35:16.840 of insurance companies find out now three oh three, seven 757 00:35:16.840 --> 00:35:19.199 to seven to one help. You'll think you're his only 758 00:35:19.320 --> 00:35:21.760 customer when you choose Frank durand the real estate Man 759 00:35:21.800 --> 00:35:25.199 dot com to list your home with Remax Alliance three 760 00:35:25.280 --> 00:35:27.400 oh three nine two zero sixteen twenty two. 761 00:35:32.960 --> 00:35:35.519 Rip of news. 762 00:35:36.480 --> 00:35:41.639 You needed, that's who you don't have. Come Run anxious 763 00:35:41.679 --> 00:35:45.480 as fast as you can. Shooter's gonna help. 764 00:35:45.760 --> 00:35:49.840 Come man, This is the Troubleshooter Show. 765 00:35:50.440 --> 00:35:57.559 No Tom Martine, Welcome, Welcome to be the only show 766 00:35:57.599 --> 00:35:58.000 if it's came. 767 00:35:58.039 --> 00:36:00.960 We're here to solve problems, answer your question, take complaints. 768 00:36:01.239 --> 00:36:03.119 Our goal in life is to make your life just 769 00:36:03.159 --> 00:36:06.039 a little bit better. That's it. I mean, really, you've 770 00:36:06.039 --> 00:36:09.119 been ripped off for taking advantage of a bad contractor, 771 00:36:09.360 --> 00:36:11.639 or you just need help from an attorney, someone to 772 00:36:11.679 --> 00:36:13.960 talk to. If we can't answer it, We've got a 773 00:36:14.000 --> 00:36:16.679 list of people at referral list dot com that can 774 00:36:16.760 --> 00:36:18.440 jump right in. And by the way, if you're a 775 00:36:18.480 --> 00:36:20.559 good business, and I mean it, you got to be 776 00:36:20.599 --> 00:36:23.280 a good business. You got to be willing to sign 777 00:36:23.280 --> 00:36:26.119 our code of ethics and we can go over all 778 00:36:26.159 --> 00:36:28.159 that with you. But if you have interest in joining 779 00:36:28.199 --> 00:36:31.239 the referral list, please reach out to us at help 780 00:36:31.880 --> 00:36:36.440 ht LP at troubleshooter dot com and anybody we talk 781 00:36:36.480 --> 00:36:38.719 about turning the show you can find on referral list 782 00:36:38.800 --> 00:36:43.000 dot com and once again referral list dot com. Now, 783 00:36:43.800 --> 00:36:46.440 I want to go back to Chris and get this 784 00:36:46.599 --> 00:36:49.280 finished up since we have our expert, Bonnie Shields on. 785 00:36:49.719 --> 00:36:52.199 But Chris, so what, I'm going to lock you in 786 00:36:52.239 --> 00:36:55.960 and I'm gonna lock Bonnie in right here. Hey, Bonnie, 787 00:36:55.960 --> 00:37:02.039 do I got you? Bonnie oh I'm here yet. Okay, excellent. So, 788 00:37:02.039 --> 00:37:04.360 so I want to see where we're going with this. Bonnie. 789 00:37:04.440 --> 00:37:08.840 You were saying you had somebody years ago. Let's let 790 00:37:08.960 --> 00:37:11.280 Chris finish up where she's going with this. So, so 791 00:37:11.440 --> 00:37:13.599 Chris ten years ago, and I got a recapp because 792 00:37:13.599 --> 00:37:17.440 we get a new audience. So ten years ago, your 793 00:37:17.519 --> 00:37:18.760 husband passed away. 794 00:37:18.719 --> 00:37:21.360 Right, correct, Well, my ex husband. 795 00:37:21.360 --> 00:37:24.920 Ex husband passed away, and you guys had a kid, 796 00:37:24.960 --> 00:37:29.320 a daughter, correct, And when he passed away, you thought 797 00:37:29.440 --> 00:37:34.079 everything was going to the kid, correct, correct, But it didn't. 798 00:37:34.199 --> 00:37:38.800 It ended up going to a common law wife. And 799 00:37:39.119 --> 00:37:41.840 at some point she went out and got some form 800 00:37:41.880 --> 00:37:45.119 of AFFI David for some reason. And Bonnie said, that 801 00:37:45.159 --> 00:37:48.119 could have been anything, to get on an insurance policy. 802 00:37:48.599 --> 00:37:49.880 It could have been for anything. 803 00:37:50.360 --> 00:37:53.519 So when he came down with cancer and had no insurance, 804 00:37:55.239 --> 00:37:58.760 they did this document that was necessary for him to 805 00:37:58.800 --> 00:38:00.960 get on her and sure that were. 806 00:38:01.000 --> 00:38:05.360 Oh my god, Dan Mackenzie's listening to this too, hey, Bonnie. 807 00:38:05.440 --> 00:38:09.440 So what happened in the case you were talking about 808 00:38:09.440 --> 00:38:11.960 where it was kind of similar to this. Did you 809 00:38:12.119 --> 00:38:15.280 end up arguing in front of the judge or during 810 00:38:15.360 --> 00:38:17.400 probate or what? How did it go down. 811 00:38:18.440 --> 00:38:22.159 Yeah, we had a hearing and I just had a 812 00:38:22.159 --> 00:38:26.400 lot of evidence that they but after they signed that 813 00:38:26.400 --> 00:38:31.400 that they didn't really go by it, and like filing 814 00:38:32.000 --> 00:38:37.360 tax returns like you're not married. That's you know, that's 815 00:38:37.400 --> 00:38:39.880 a really big one. There was that one. And the 816 00:38:39.960 --> 00:38:42.880 other party had been applying for all kinds of government 817 00:38:42.960 --> 00:38:45.719 aid everything that she could find and claiming that she 818 00:38:45.800 --> 00:38:48.559 was a single mom with no income and getting all 819 00:38:48.599 --> 00:38:52.079 these government benefits. And the judge said, yeah, that Affidavid, 820 00:38:52.159 --> 00:38:54.239 that was just because you guys needed health insurance and 821 00:38:54.280 --> 00:38:57.639 it you didn't really consider yourself married, because common law 822 00:38:57.679 --> 00:38:59.840 marriage is all about what do you hold yourself out 823 00:38:59.880 --> 00:39:00.360 to the public? 824 00:39:00.480 --> 00:39:01.440 Yeah, are you married or not? 825 00:39:02.320 --> 00:39:05.239 Yeah, everything they did after they sign that said we're 826 00:39:05.280 --> 00:39:05.719 not married. 827 00:39:05.840 --> 00:39:11.239 So Chris, so with Bonnie and now I completely understand 828 00:39:11.360 --> 00:39:14.039 at least you know how this could go either way, 829 00:39:14.079 --> 00:39:17.559 I mean, basically married or not. At some point didn't 830 00:39:17.599 --> 00:39:21.239 did you not argue to the judge during probate? Was 831 00:39:21.280 --> 00:39:22.400 probate opened up? 832 00:39:22.960 --> 00:39:26.440 As you can imagine, it's a very long complicated story 833 00:39:26.480 --> 00:39:27.360 with many people. 834 00:39:27.559 --> 00:39:29.719 Well, we don't need to get it that complicated. Was 835 00:39:29.760 --> 00:39:30.400 your probate? 836 00:39:30.559 --> 00:39:33.199 The bottom line which is why I said this was 837 00:39:33.239 --> 00:39:38.079 a cautionary tale, is that we did not go seek 838 00:39:38.800 --> 00:39:43.239 legal advice, got it, and then the time ran out, 839 00:39:44.360 --> 00:39:48.280 and my daughter was in charge. Although I was guiding her. 840 00:39:48.440 --> 00:39:52.519 She she was promised by family members just stand back, 841 00:39:52.599 --> 00:39:56.199 stand by everything. That's going to be fine until the 842 00:39:56.280 --> 00:40:00.440 time ran out, and then she got the and law 843 00:40:00.519 --> 00:40:05.320 wife made sure she had her name on everything, and 844 00:40:05.440 --> 00:40:06.079 we lost. 845 00:40:06.280 --> 00:40:12.880 That's incredible. Since then, that's absolutely an incredible cautionary tale. 846 00:40:12.800 --> 00:40:19.119 Exactly exactly. And this affidavit of marriage, for whatever reason, 847 00:40:19.880 --> 00:40:23.639 is really irrelevant in our story at this time, because no. 848 00:40:23.559 --> 00:40:26.320 But it's not irrelevant to people listening out there. That's 849 00:40:26.320 --> 00:40:27.199 why at all. 850 00:40:28.079 --> 00:40:33.079 People need to be aware of what the rules are 851 00:40:33.639 --> 00:40:39.360 for common law marriage because none none of us knew, 852 00:40:39.599 --> 00:40:43.519 none of his family, none of his friends, nobody knew 853 00:40:43.559 --> 00:40:47.320 about this common law marriage until after he was dead. 854 00:40:47.639 --> 00:40:50.840 Yeah, I get it. It's insane, Chris, and I appreciate 855 00:40:50.920 --> 00:40:55.000 you calling about that. You know, it's a horrible tale, 856 00:40:55.000 --> 00:40:58.119 but it's a great tale for people listening. And I 857 00:40:58.119 --> 00:41:01.320 want to tell everybody out there too. Family law. That's 858 00:41:01.360 --> 00:41:06.079 Bonnie Shields. You hear talking anything divorce, child custody, uh, 859 00:41:06.119 --> 00:41:08.880 pretty much. You name it. That's what Bonnie Shields does. 860 00:41:09.480 --> 00:41:11.920 I mean, that's about it, right, Bonnie. I mean anything 861 00:41:12.000 --> 00:41:13.519 that falls under family law. 862 00:41:15.400 --> 00:41:17.440 Yep, yep, there's there's a law. I will tell you 863 00:41:17.880 --> 00:41:20.800 common law marriage. Of all the subjects that I've dealt with, 864 00:41:20.880 --> 00:41:24.280 the last twenty two years, that is the most complicated, 865 00:41:24.440 --> 00:41:29.480 not complated. It's the most misunderstood. It's the most misunderstood. 866 00:41:29.559 --> 00:41:32.480 So if if you hear that word coming out, talk 867 00:41:32.559 --> 00:41:35.119 to somebody who knows what it really means, because it 868 00:41:35.159 --> 00:41:37.519 could make a big difference like this in the future. 869 00:41:37.639 --> 00:41:40.519 Yep. That's Bonnie Shields three oh three seven nine eight 870 00:41:40.559 --> 00:41:43.840 one nine two seven seven nine eight one nine two 871 00:41:43.880 --> 00:41:46.880 seven or Bonnie Shields Law dot com. Thank you Bonnie 872 00:41:46.920 --> 00:41:50.880 for that. Dan mackenzie, how many times have you had 873 00:41:51.599 --> 00:41:55.920 something similar to that happen? In other words, you have 874 00:41:56.039 --> 00:41:58.159 somebody that thought the money was going to go to 875 00:41:58.199 --> 00:42:01.559 their kid, not there, but the kid they had with 876 00:42:01.639 --> 00:42:05.800 the ex wife or the ex husband. And then someone's remarried, 877 00:42:05.880 --> 00:42:09.039 and then all of a sudden there's a spouse involved 878 00:42:09.039 --> 00:42:13.159 that no one kind of knew about, and this this, uh, 879 00:42:13.239 --> 00:42:16.239 this happens. I mean, that's an incredible tale she told. 880 00:42:16.800 --> 00:42:19.800 And what if she called you guys and it was 881 00:42:19.800 --> 00:42:22.800 in Colorado, what what advice would you give it to 882 00:42:22.800 --> 00:42:25.960 that point during probate, hire an attorney and we've got 883 00:42:25.960 --> 00:42:29.119 to prove they weren't actually common law married. 884 00:42:29.400 --> 00:42:29.639 Yeah. 885 00:42:29.960 --> 00:42:32.880 Uh, the questions you ran through earlier, are there are 886 00:42:32.920 --> 00:42:33.960 the right questions asking? 887 00:42:34.079 --> 00:42:35.440 It's not clear cut. 888 00:42:36.119 --> 00:42:38.440 Sometimes people think that, you know, if you live with 889 00:42:38.480 --> 00:42:40.199 someone for a certain amount of time, you're married, and 890 00:42:40.199 --> 00:42:42.559 that's not really it at all. It's are you holding 891 00:42:42.559 --> 00:42:44.719 yourself out as married? Do people think you're married? 892 00:42:45.719 --> 00:42:49.119 And so if you have every neighbor saying, hey, no, 893 00:42:49.280 --> 00:42:52.039 they just were roommates, they never we never thought they 894 00:42:52.039 --> 00:42:53.920 were married. Hell, they were dating other people. 895 00:42:54.480 --> 00:42:57.280 A problem is with the states and probates is just 896 00:42:57.320 --> 00:42:59.280 like it's a zero sum game. At the end of 897 00:42:59.280 --> 00:43:01.800 the day, every time that goes to that spouse, if 898 00:43:01.800 --> 00:43:04.320 it's a spouse, is not going to the daughter and 899 00:43:04.440 --> 00:43:05.039 vice versa. 900 00:43:05.199 --> 00:43:09.079 Like there's so either this and she can read because 901 00:43:09.119 --> 00:43:11.639 she's got full control of that money, she could redirect 902 00:43:11.639 --> 00:43:13.920 it to her kids. She oh, it's hers. Why would 903 00:43:13.960 --> 00:43:15.400 she give it to the Why would they give it 904 00:43:15.400 --> 00:43:20.039 to this daughter stepdaughter? I guess have you seen injustices 905 00:43:20.159 --> 00:43:20.719 like that that? 906 00:43:20.920 --> 00:43:23.280 I mean that really it goes both ways. I mean, 907 00:43:23.360 --> 00:43:25.599 the spouse might be desperate. The spouse might be living 908 00:43:25.599 --> 00:43:28.119 in this house and have no ownership interest in it, 909 00:43:28.159 --> 00:43:29.760 and suddenly they're like, ill, maybe out on the street, 910 00:43:30.239 --> 00:43:33.840 I need to like we were married. Yeah, So it 911 00:43:33.880 --> 00:43:36.400 does go both ways. Sometimes it's the spouse who is 912 00:43:36.440 --> 00:43:37.440 the sympathetic character. 913 00:43:37.639 --> 00:43:41.039 So if someone has a trust right now, and or 914 00:43:41.079 --> 00:43:42.960 they've had a trust for a while and they were 915 00:43:43.000 --> 00:43:48.039 married to person one and at some point there's been 916 00:43:48.079 --> 00:43:52.880 a divorce and there's just been differences. Now I don't 917 00:43:52.880 --> 00:43:55.199 care if they're remarried or not, but they're not living 918 00:43:55.239 --> 00:43:57.400 together and let's say the kids are going back and 919 00:43:57.440 --> 00:44:00.360 forth or whatever. I mean, at that point, you'd be 920 00:44:00.559 --> 00:44:03.639 crazy not to redo the trust or at least have 921 00:44:03.760 --> 00:44:06.519 someone look at it and tell you what could happen. 922 00:44:06.559 --> 00:44:09.159 Yeah, you got to, Yeah, take everything out of that 923 00:44:09.159 --> 00:44:10.920 trust and do it again, right, do it? 924 00:44:10.760 --> 00:44:14.079 And I said something there that's interesting. There'd be no 925 00:44:14.239 --> 00:44:17.599 reason to hire you or in my opinion, any other 926 00:44:17.679 --> 00:44:21.760 attorney to look at a trust you have now, simply 927 00:44:21.840 --> 00:44:25.159 because why not just create a new one? Right? If 928 00:44:25.199 --> 00:44:26.360 the change. Is that dramatic? 929 00:44:26.480 --> 00:44:29.360 We're divorced now, Yeah, and I created a trust with 930 00:44:29.360 --> 00:44:31.159 my ex spouse. There's just no way we're going to 931 00:44:31.239 --> 00:44:33.320 set it up again with the xpouse, right, So it's 932 00:44:33.360 --> 00:44:34.159 going to be a new trust. 933 00:44:34.239 --> 00:44:37.079 It's going to be a new trust altogether. What a 934 00:44:37.119 --> 00:44:39.840 crazy deal? Three oh three seven, one, three eight two 935 00:44:39.920 --> 00:44:41.239 five five two lines open? 936 00:44:41.320 --> 00:44:41.519 Dick? 937 00:44:41.559 --> 00:44:47.039 What's going on with you? Hey, Dick? Here are you? 938 00:44:48.559 --> 00:44:49.119 I'm fine? 939 00:44:50.239 --> 00:44:51.039 What's your question? 940 00:44:51.159 --> 00:44:51.360 Sir? 941 00:44:52.519 --> 00:44:56.400 Well, you know, I'm probably like a lot of people 942 00:44:56.519 --> 00:45:01.840 in the state. Uh, insurance rates I have gone up appreciably, 943 00:45:02.119 --> 00:45:05.840 and I'm trying to find that, you know, I'm trying 944 00:45:05.840 --> 00:45:10.760 to find out if there's a somewhere that is a 945 00:45:11.000 --> 00:45:15.239 how do I say that is not a somebody that's 946 00:45:15.320 --> 00:45:18.320 being funded by some insurance company or some of the 947 00:45:18.400 --> 00:45:22.000 company that would tell us, like claims rate, who has 948 00:45:22.079 --> 00:45:26.119 paid their claims here in Colorado? Because I've heard a 949 00:45:26.159 --> 00:45:27.760 lot of stories about do you mean. 950 00:45:27.719 --> 00:45:30.639 Who's paid their claims? I mean, what, for example, what 951 00:45:30.960 --> 00:45:34.440 insurance company is better at paying claims than others? 952 00:45:35.239 --> 00:45:36.719 Exactly? Exactly. 953 00:45:36.719 --> 00:45:40.239 Well, Compass Insurance deals with thirty plus companies. They're going 954 00:45:40.280 --> 00:45:42.480 to be able to tell you the best, and they 955 00:45:42.480 --> 00:45:46.039 could definitely tell you the worst as well. 956 00:45:46.199 --> 00:45:49.159 Well. Unfortunately, Compass could not find anybody. 957 00:45:49.519 --> 00:45:51.599 Now, why couldn't they find somebody for you? 958 00:45:52.519 --> 00:45:56.039 I they said something to do with the age of 959 00:45:56.079 --> 00:45:57.880 my roof, and this and that and the other. I've 960 00:45:57.880 --> 00:46:00.320 got insurance right now, I've had other company. But he's 961 00:46:00.400 --> 00:46:03.719 quote on this. Yeah. My concern is that some of 962 00:46:03.760 --> 00:46:06.440 the I don't want to get into who's quoting, but 963 00:46:06.920 --> 00:46:10.360 some of the companies that have quoted, I don't know 964 00:46:10.480 --> 00:46:14.119 if if in fact, you know, the bottom line is 965 00:46:14.159 --> 00:46:16.320 at the end of the day, is that company going 966 00:46:16.360 --> 00:46:20.679 to pay the claim? Number one? Number two is the 967 00:46:20.760 --> 00:46:23.519 claims are what you're going to have to go through 968 00:46:23.559 --> 00:46:26.280 to get them to pay the claim? Is it work? 969 00:46:26.360 --> 00:46:28.639 You know? Is it worse what I'm paying them to do? 970 00:46:28.920 --> 00:46:30.880 I got you hold on, let me take this break. 971 00:46:31.400 --> 00:46:33.280 I got a lot to digest there, and I've got 972 00:46:33.280 --> 00:46:35.960 a lot of comments on that. One of them is 973 00:46:36.000 --> 00:46:39.079 a company called SAFECode that I have right now, and 974 00:46:40.199 --> 00:46:43.559 I had to fight tooth and now I literally, I 975 00:46:43.800 --> 00:46:47.039 literally know exactly what this guy's asking, as crazy as 976 00:46:47.079 --> 00:46:49.280 it is, and I'll tell you what I went through 977 00:46:49.519 --> 00:46:52.599 and then hopefully I'll know the name of the company 978 00:46:52.599 --> 00:46:54.960 you're dealing with and can give you some insight, or 979 00:46:54.960 --> 00:46:58.400 we can find it out. The other thing we got cooking, well, 980 00:46:58.440 --> 00:47:00.599 we've got a lot cooking. We got one line open 981 00:47:01.079 --> 00:47:04.960 three oh three seven one three eight two five five. 982 00:47:05.079 --> 00:47:07.239 Can't you hold on? He's got a question for Dan 983 00:47:07.280 --> 00:47:07.679 as well. 984 00:47:12.599 --> 00:47:15.880 Go with a sure thing Denver's best roofer Excel Roofing 985 00:47:15.960 --> 00:47:16.559 dot com. 986 00:47:16.599 --> 00:47:17.159 You don't pay a. 987 00:47:17.239 --> 00:47:22.119 Cent until you're contenth. 988 00:47:22.000 --> 00:47:25.199 Time for an insurance check up, free no obligation comparison 989 00:47:25.320 --> 00:47:28.880 call Compass Insurance paying too much your coverage at dozens 990 00:47:28.880 --> 00:47:31.639 of insurance companies find out now three oh three seven 991 00:47:31.719 --> 00:47:34.519 seven to one help. You'll think you're his only customer 992 00:47:34.559 --> 00:47:36.840 when you choose Frank Durand the real estate Man dot 993 00:47:36.840 --> 00:47:40.199 com to list your home with Remax Alliance three oh 994 00:47:40.199 --> 00:47:42.159 three nine two zero sixteen twenty two. 995 00:47:44.280 --> 00:47:46.599 All right, two oh three seven one three eight two 996 00:47:46.719 --> 00:47:49.400 five five three oh three Martino. By the way, uh, 997 00:47:49.519 --> 00:47:53.519 this hour brought to you by Paul the waterman Man. 998 00:47:53.559 --> 00:47:55.719 He's got the best systems out here. He's got one 999 00:47:55.880 --> 00:47:58.760 for listening to this lesson thirty six hundred. This thing 1000 00:47:58.840 --> 00:48:01.679 does a water softening it gets rid of chlorine. And 1001 00:48:01.719 --> 00:48:04.360 then on top of that, probably my favorite part of it, well, 1002 00:48:04.400 --> 00:48:06.920 I like the water softening he did our water softener. 1003 00:48:07.320 --> 00:48:09.840 Check this out. It gets rid of forever chemicals in 1004 00:48:09.920 --> 00:48:13.760 your entire house. All the water you, your family, your kids drink. 1005 00:48:13.840 --> 00:48:16.840 All these forever chemicals you hear about, They're not going 1006 00:48:16.920 --> 00:48:20.239 to be in your water supply under thirty six hundred bucks. 1007 00:48:20.239 --> 00:48:23.360 Whole house. We're not talking point of use under one sink, 1008 00:48:23.679 --> 00:48:28.039 the entire house, water softening, forever chemicals gone, and the 1009 00:48:28.119 --> 00:48:32.400 chlorine brought down. It's an unbelievable deal. Under thirty six 1010 00:48:32.519 --> 00:48:35.920 hundred bucks. The competition is over ten grand. I've seen 1011 00:48:36.000 --> 00:48:39.400 him as high as fifteen. Check him out at waterpros 1012 00:48:39.440 --> 00:48:45.159 dot net. Waterpros dot net. Now, Dick, he had a 1013 00:48:45.239 --> 00:48:48.280 question on insurance companies. I'm going to tell you something, Dick. 1014 00:48:48.920 --> 00:48:51.760 I can't stand any of them right now. I really can't. 1015 00:48:51.800 --> 00:48:53.800 Which one are you looking at. I'm going to tell 1016 00:48:53.800 --> 00:48:57.360 you my thing was Safeco. Safeco told me Pound Sand 1017 00:48:57.400 --> 00:49:01.760 you don't have any damage. I got Matt, I got 1018 00:49:01.800 --> 00:49:04.599 Matt involved, and I don't want to get into Paragon services. 1019 00:49:04.639 --> 00:49:07.719 But he's a public adjuster. But Basically, he came out 1020 00:49:07.960 --> 00:49:12.880 and I just got settlement yesterday for thirty seven thousand dollars. 1021 00:49:13.000 --> 00:49:15.280 So I went from you don't have any damage to 1022 00:49:15.320 --> 00:49:18.039 a check for thirty seven thousand, and it took me 1023 00:49:18.119 --> 00:49:20.119 over a year. It took me a year to get it. Now, 1024 00:49:20.599 --> 00:49:23.639 it wasn't Safeco, but it was the insurance company I 1025 00:49:23.719 --> 00:49:27.719 had right before Safeco five years ago, hailstorm. I call 1026 00:49:27.800 --> 00:49:31.320 him up, they say no damage. About six months later, 1027 00:49:31.519 --> 00:49:34.039 I see both my neighbors getting a new roof. I 1028 00:49:34.159 --> 00:49:36.880 called Matt at Paragon back then too. He came out 1029 00:49:37.280 --> 00:49:42.360 eighty thousand dollars. Both times two different insurance companies, and 1030 00:49:42.480 --> 00:49:45.360 Safeco's supposed to be a good one. Both of them 1031 00:49:45.400 --> 00:49:49.320 said sorry, you're not getting any scratch from us. And 1032 00:49:49.480 --> 00:49:52.920 both times, after I got a public adjuster involved, I 1033 00:49:53.000 --> 00:49:55.400 got paid. So to me, they all suck. 1034 00:49:58.559 --> 00:50:02.519 Well. And that's and that's the problem you're trying to 1035 00:50:02.760 --> 00:50:04.000 or I'm trying to avoid. 1036 00:50:04.280 --> 00:50:06.599 Who are you talking about right now? See, unless if 1037 00:50:06.599 --> 00:50:10.280 it's chub trouble, pay you, but Chuble won't now might 1038 00:50:10.360 --> 00:50:10.880 not cover you. 1039 00:50:12.480 --> 00:50:15.159 Well, I've got four different companies that are quoting on 1040 00:50:15.239 --> 00:50:17.599 it right now. That's what happens to be that safe 1041 00:50:17.920 --> 00:50:21.599 Safe Co is the one that is ensuring my autos 1042 00:50:21.639 --> 00:50:25.000 in my home right now. My problem with them is 1043 00:50:25.039 --> 00:50:28.320 that in the last two years they virtually doubled my rate. 1044 00:50:28.400 --> 00:50:30.199 Yeah, well that you're going to find that everywhere. 1045 00:50:30.280 --> 00:50:32.519 De side of that. Look, yeah, I'm sorry. 1046 00:50:32.320 --> 00:50:35.519 What you're going to find the rate doubling everywhere? But 1047 00:50:35.639 --> 00:50:38.400 who are you quoting besides Safeco? And they're not going 1048 00:50:38.440 --> 00:50:40.639 to drop you or anything? Right or are they. 1049 00:50:41.159 --> 00:50:43.280 No, they're not going to drop me. It's just that 1050 00:50:43.280 --> 00:50:45.360 that the price has gotten to the point where I 1051 00:50:45.400 --> 00:50:47.239 say I've got to I've got to take you. 1052 00:50:47.239 --> 00:50:49.679 You're saying, uncle, uncle, I get So who are you quoting? 1053 00:50:51.639 --> 00:50:51.840 All? 1054 00:50:51.960 --> 00:50:55.639 State, State Farm, American Family, and Farmers. 1055 00:50:56.000 --> 00:50:58.199 Okay, first of all, I'm only going to tell you 1056 00:50:58.960 --> 00:51:00.920 I don't like really any of them, and I have 1057 00:51:01.000 --> 00:51:03.320 recently got quotes from all of them. I'm going to 1058 00:51:03.360 --> 00:51:05.840 tell you one thing I don't want to happen. I 1059 00:51:06.000 --> 00:51:09.559 absolutely don't. And I just knew this. I just know 1060 00:51:09.679 --> 00:51:12.039 it from the show because I do this show. But 1061 00:51:12.440 --> 00:51:17.599 so I quoted with Farmers and State Farm last year. 1062 00:51:18.239 --> 00:51:20.599 I think it was around Novembers when my renewal is, 1063 00:51:21.559 --> 00:51:25.440 and Farmers gave me a deal I couldn't refuse. In fact, 1064 00:51:25.519 --> 00:51:27.639 it was so good, I was like, this is crazy. 1065 00:51:27.840 --> 00:51:30.440 It wasn't an ACV. It was like a five thousand 1066 00:51:30.440 --> 00:51:32.880 dollars deductible, which is fine with me. I don't care. 1067 00:51:33.320 --> 00:51:36.960 And it was everything I wanted in a bag of chips. 1068 00:51:37.400 --> 00:51:40.239 But I thought it was too good to be true, 1069 00:51:40.599 --> 00:51:46.159 so I did not cancel my Safeco. Sure enough, Farmers 1070 00:51:46.519 --> 00:51:49.719 sent out someone to eyeball our property and it was 1071 00:51:49.760 --> 00:51:51.840 too much for them. And what I mean by that 1072 00:51:52.039 --> 00:51:55.320 is we're in the woods, and they looked at the trees, 1073 00:51:55.639 --> 00:51:58.039 they looked at what the total loss could be, and 1074 00:51:58.119 --> 00:52:01.000 they declined it. So I only had a thirty day 1075 00:52:01.039 --> 00:52:04.280 binder by the agent that happened to be an Elizabeth. 1076 00:52:04.320 --> 00:52:07.199 And by the way, if you're that agent and Elizabeth, 1077 00:52:07.239 --> 00:52:10.559 you suck, You suck, because I told you this was 1078 00:52:10.599 --> 00:52:13.000 gonna happen. If I knew her full name, i'd give 1079 00:52:13.039 --> 00:52:15.679 it out right now. I'm so mad just thinking about her. 1080 00:52:15.679 --> 00:52:18.760 It's insane. I told her, is there any way they 1081 00:52:18.800 --> 00:52:21.559 can cancel it? Is there anyway? And I called up 1082 00:52:21.599 --> 00:52:25.039 Brian Burnsey compass. He goes, you're insane to cancel Safego. 1083 00:52:25.400 --> 00:52:28.360 First of all, if you wait, they'll let you cancel 1084 00:52:28.440 --> 00:52:30.360 in the rears and you'll get all that money. It's 1085 00:52:30.400 --> 00:52:33.079 not like you can have double insurance. But the bottom 1086 00:52:33.079 --> 00:52:35.760 line is that, so if anything comes out of this 1087 00:52:35.800 --> 00:52:39.559 conversation that I'm dominating with you, Dick, it's this, You 1088 00:52:39.719 --> 00:52:43.320 do not cancel that damn Safego until you have a 1089 00:52:43.480 --> 00:52:47.960 fully operational, not some thirty or sixty day binder from 1090 00:52:47.960 --> 00:52:51.119 the agency. But every one of those companies you name 1091 00:52:51.360 --> 00:52:53.119 suck in my opinion. 1092 00:52:55.119 --> 00:52:59.960 Okay, excuse me, And that's what I was trying to find, 1093 00:53:00.119 --> 00:53:03.840 doubt or if there was somewhere that would tell you 1094 00:53:04.480 --> 00:53:09.960 they're playing their claims, paying frequency or the difficulty of 1095 00:53:10.000 --> 00:53:10.679 working Dick. 1096 00:53:10.760 --> 00:53:13.320 They also, I just told you the last two I had, 1097 00:53:13.559 --> 00:53:16.480 I literally had to threaten legal action and hire a 1098 00:53:16.519 --> 00:53:22.159 public adjuster to get paid. They outright denied claims. Sure 1099 00:53:22.800 --> 00:53:25.079 they're all listen, let me tell you. They don't call 1100 00:53:25.119 --> 00:53:27.800 them adjusters. I don't even know why they call them adjusters. 1101 00:53:27.920 --> 00:53:32.159 Has anybody here ever had an insurance adjuster actually adjust up? 1102 00:53:32.719 --> 00:53:35.719 Have you ever seen that happen? Oh wait a minute, 1103 00:53:35.719 --> 00:53:37.880 wait a minute. We don't want to give you twenty 1104 00:53:37.920 --> 00:53:40.159 thousand eight, Where will we give you fifty? I've never 1105 00:53:40.199 --> 00:53:43.360 seen that. All they do is do they deny, deny, deny. 1106 00:53:43.440 --> 00:53:46.320 It's their whole business model, in my opinion, every one 1107 00:53:46.360 --> 00:53:49.960 of them. Does anybody here like any insurance company? I 1108 00:53:50.079 --> 00:53:52.159 love people to go. Oh, I love All State. I've 1109 00:53:52.159 --> 00:53:54.039 had them thirty years and I say, hey, have you 1110 00:53:54.079 --> 00:53:55.760 ever had a claim? And you know what they say, No, 1111 00:53:55.880 --> 00:53:58.079 I've never. How do you even know you like them? 1112 00:53:58.320 --> 00:54:01.599 You've never had to deal with them? Dick, do you 1113 00:54:01.639 --> 00:54:04.000 have any more questions? I'm sure I'm talking your ear off. 1114 00:54:04.440 --> 00:54:07.800 No, sir, No, I I think you kind of answered 1115 00:54:07.800 --> 00:54:10.559 my question, which is what I was afraid of. Yeah, 1116 00:54:11.199 --> 00:54:13.559 there is no place you can really go. I mean 1117 00:54:13.639 --> 00:54:16.920 you can go online and who's the top ten insurers? 1118 00:54:16.960 --> 00:54:22.119 And three you threaten the lawsuit will eventually pay you. 1119 00:54:22.280 --> 00:54:25.840 That's how it worked for me at least. Yeah, So 1120 00:54:25.960 --> 00:54:26.360 that's fine. 1121 00:54:26.440 --> 00:54:30.159 I appreciate the time, I appreciate the information, and thank you. 1122 00:54:30.440 --> 00:54:32.599 I guess we just have to play it by her. 1123 00:54:32.920 --> 00:54:35.360 Yeah, I'll just make sure. The one thing you're not 1124 00:54:35.400 --> 00:54:36.280 going to do is what. 1125 00:54:37.880 --> 00:54:41.239 Yeah, well, I'm not going to cancel the safeg policy, 1126 00:54:41.280 --> 00:54:44.679 which automatically. They they've got my credit card, so they'll 1127 00:54:44.679 --> 00:54:48.320 go ahead and they'll h you know, and save the policy. 1128 00:54:48.360 --> 00:54:50.360 And then what I may do is shop around and 1129 00:54:50.400 --> 00:54:52.159 make sure I've got some other insurance. 1130 00:54:52.480 --> 00:54:54.880 And you make sure it's not just a writer. Listen 1131 00:54:54.960 --> 00:54:57.559 to me. You make sure that it's not just a 1132 00:54:57.880 --> 00:55:01.480 binded policy by the agent. That's how they'll trick you. 1133 00:55:01.559 --> 00:55:04.079 Then you're screwed. Don't allow it. You make sure you 1134 00:55:04.119 --> 00:55:08.239 have a fully enforced one six month whatever term policy 1135 00:55:08.239 --> 00:55:12.000 you're buying. Dick, I appreciate it. And if Safeco or 1136 00:55:12.039 --> 00:55:15.199 whoever you end up with doesn't pay you when you 1137 00:55:15.360 --> 00:55:18.039 have a claim, I will help you kick them in 1138 00:55:18.079 --> 00:55:21.960 the nuts. Three zero three seven one three eight two 1139 00:55:22.159 --> 00:55:24.599 five five Dan Mackenzie, I get so fired up on 1140 00:55:24.679 --> 00:55:29.840 insurance companies. You deal with life insurance a lot, right, Yes, 1141 00:55:30.199 --> 00:55:32.079 So are they a pain in the ass? I mean, 1142 00:55:32.199 --> 00:55:33.840 just say it. You don't have to give names to 1143 00:55:33.920 --> 00:55:37.000 different companies. I mean, does it take like if I 1144 00:55:37.039 --> 00:55:40.559 have a million dollar policy and I die? In general, 1145 00:55:40.639 --> 00:55:43.480 how long does it take my spouse or my kids 1146 00:55:43.519 --> 00:55:44.320 to get the money. 1147 00:55:44.679 --> 00:55:48.119 It's usually very fast, depending you know, if the person 1148 00:55:48.199 --> 00:55:50.960 who had the policy has named a doesnate a beneficiary. 1149 00:55:51.440 --> 00:55:53.079 I mean, that is a contract with them, and it's 1150 00:55:53.119 --> 00:55:54.679 pretty clear then they're going to do it. 1151 00:55:55.000 --> 00:55:57.559 So it's pretty unless if it's something like suicide in 1152 00:55:57.599 --> 00:55:59.519 the first year or something. Obviously those things they can 1153 00:55:59.599 --> 00:56:00.679 lead to destigations. 1154 00:56:00.840 --> 00:56:03.840 Yeah, we have somebody who bought a policy really like 1155 00:56:03.880 --> 00:56:06.559 the person died too soon afterwards, and they're kind of 1156 00:56:06.559 --> 00:56:07.280 contesting that. 1157 00:56:07.360 --> 00:56:10.039 So we're seeing some delay there. What is too soon? 1158 00:56:10.199 --> 00:56:12.480 Like they bought the policy and then the person died 1159 00:56:12.599 --> 00:56:15.079 like within I forget how much time they had before. 1160 00:56:15.159 --> 00:56:17.000 It's like they were really going to pay out. Yeah, 1161 00:56:17.039 --> 00:56:19.079 but just like you said, isn't that contractual? 1162 00:56:19.199 --> 00:56:21.239 Or they are so they're saying, I was in the 1163 00:56:21.239 --> 00:56:23.800 contract right, We're not going to pay for the death if. 1164 00:56:23.719 --> 00:56:27.440 It's under thirty days or whatever. So you're arguing that, 1165 00:56:27.480 --> 00:56:30.119 what's the basis for the argument? We're not, are you 1166 00:56:30.320 --> 00:56:30.679 right now? 1167 00:56:30.679 --> 00:56:32.000 I think they are going to get it and they're 1168 00:56:32.039 --> 00:56:33.239 taking care of it on their own, So I'm not 1169 00:56:33.320 --> 00:56:34.079 kind of involved in that. 1170 00:56:34.480 --> 00:56:37.159 Wow. Yeah, does that happen? A lot of people fall 1171 00:56:37.239 --> 00:56:40.599 outside now because most of those policies, you know, we 1172 00:56:40.639 --> 00:56:44.039 all see the movies, you know, Yeah, the wife dies 1173 00:56:44.360 --> 00:56:47.400 and the husband just got a life insurance policy, you know, 1174 00:56:47.880 --> 00:56:51.960 six months before for some outrageous amount of money, and 1175 00:56:52.000 --> 00:56:55.199 she slips and falls down the stairs. But in general, people, 1176 00:56:55.239 --> 00:56:58.760 these policies like Suzanna and I are life insurance policies. 1177 00:56:59.280 --> 00:57:02.639 I think I in when I was thirty five on 1178 00:57:02.719 --> 00:57:06.559 a thirty year policy. That way, you know, it doesn't 1179 00:57:06.599 --> 00:57:10.320 get super expensive into my sixties. It's still very reasonable. 1180 00:57:10.320 --> 00:57:12.159 But I got to keep it going for thirty years. 1181 00:57:12.360 --> 00:57:15.360 So I mean our policies are you know, we're almost 1182 00:57:15.360 --> 00:57:19.719 twenty years into these Yeah, wouldn't you say that's more average? Sure? 1183 00:57:19.880 --> 00:57:22.679 Yeah, yeah, and at that point maybe you don't need 1184 00:57:22.719 --> 00:57:24.239 life insurance anymore as kind of the thought. 1185 00:57:24.320 --> 00:57:26.280 But you can analyze that. But yeah, I don't. 1186 00:57:26.320 --> 00:57:29.840 I don't run into denial of insurance claims in that 1187 00:57:29.920 --> 00:57:32.599 area like you do in these property insurance. 1188 00:57:32.119 --> 00:57:34.599 And have you ever been denied a claim on say 1189 00:57:35.199 --> 00:57:37.480 your house or your car or anything like that? 1190 00:57:38.840 --> 00:57:43.719 Me personally, no, okay, but you know people, oh sure, yeah, 1191 00:57:43.320 --> 00:57:44.840 it's the entire Yeah. 1192 00:57:45.280 --> 00:57:46.800 Yeah, I mean all you have to do is wake 1193 00:57:46.920 --> 00:57:49.000 up and just look and you'll see ten of them. 1194 00:57:49.039 --> 00:57:55.440 Oh yeah, what's your question for Dan? 1195 00:57:55.960 --> 00:57:56.119 Hey? 1196 00:57:56.199 --> 00:57:56.679 Cam? 1197 00:57:57.559 --> 00:58:01.280 Oh, right, I'm doing good after that last guy got 1198 00:58:01.280 --> 00:58:02.159 me all rolled up. 1199 00:58:05.000 --> 00:58:09.519 My question is kind of relates to the state. I 1200 00:58:09.559 --> 00:58:15.679 guess it's my parents. They've I mean it recently inherited 1201 00:58:15.719 --> 00:58:19.800 my grandmother's estate. They've they wanted to pass it through 1202 00:58:20.000 --> 00:58:23.519 that they they ended up not doing that, but they're 1203 00:58:24.440 --> 00:58:26.840 they're My question is how fast do they need to 1204 00:58:26.880 --> 00:58:29.400 look at getting into a trust because they've. 1205 00:58:29.679 --> 00:58:30.679 They've had they have a will. 1206 00:58:30.760 --> 00:58:35.199 It's was abroad twenty years ago. Uh, there's state before 1207 00:58:35.239 --> 00:58:38.400 that was probably worth five million, and now they've probably 1208 00:58:38.440 --> 00:58:42.840 added another seven to eight million onto that. So my 1209 00:58:43.239 --> 00:58:46.519 I guess, my, how quick do we need to expedite that? 1210 00:58:46.960 --> 00:58:48.719 They seem a little their little old faction. 1211 00:58:48.840 --> 00:58:51.480 Then, oh, Jackie, is it just you give us a 1212 00:58:51.519 --> 00:58:54.920 little information on the family. So your grandmother died, I 1213 00:58:54.960 --> 00:58:57.039 assume that was the last bit of money that would 1214 00:58:57.039 --> 00:58:59.119 be passed on to your parents or is there another 1215 00:58:59.199 --> 00:59:00.039 side that's still. 1216 00:59:00.079 --> 00:59:02.000 I hope that that will be the last. 1217 00:59:02.000 --> 00:59:04.960 That's all fair, So your parents it all went to them, 1218 00:59:05.079 --> 00:59:08.119 So in other words, there's no or whatever went to 1219 00:59:08.159 --> 00:59:11.400 them they now have correct And then how about you? 1220 00:59:11.480 --> 00:59:13.599 Are you the only child? Do you have siblings? 1221 00:59:13.719 --> 00:59:13.880 No? 1222 00:59:13.920 --> 00:59:14.719 I have a sibling. 1223 00:59:15.320 --> 00:59:19.719 But my biggest question is just, you know, yeah, how 1224 00:59:19.800 --> 00:59:22.719 fast I think there will is going to be you know, 1225 00:59:22.920 --> 00:59:26.840 outdated as far as covering, And what do we need 1226 00:59:26.840 --> 00:59:28.400 to do to get this into the trust or does 1227 00:59:28.400 --> 00:59:30.000 it make sense to put it into a trust? I 1228 00:59:30.000 --> 00:59:32.360 guess just looking for some GUIDs. 1229 00:59:32.400 --> 00:59:34.840 Well, okay, it's kind of funny because I want to 1230 00:59:34.880 --> 00:59:40.599 ask Dan this because there's two there's two perspectives here. 1231 00:59:41.280 --> 00:59:46.519 There's Jack's perspective or Ken's perspective. I'm sorry, Kent, And 1232 00:59:46.559 --> 00:59:50.159 then on top of that, there's the parents perspective. And 1233 00:59:50.199 --> 00:59:53.599 I've always said this to you, Dan, like I paid 1234 00:59:53.599 --> 00:59:57.800 for my parents trust because ultimately I'm the beneficiary. So 1235 00:59:58.039 --> 01:00:00.440 I mean, I never thought, why wouldn't you. I would 1236 01:00:00.519 --> 01:00:03.559 think a lot of kids should pay for the trust. 1237 01:00:03.599 --> 01:00:05.840 I mean I don't know why they wouldn't, but whatever, 1238 01:00:06.159 --> 01:00:10.199 But when someone hires you, even if Kent's paying for it, 1239 01:00:10.239 --> 01:00:13.039 you still have to look for the parents' wishes, right, 1240 01:00:13.280 --> 01:00:14.239 That's the problem. 1241 01:00:14.719 --> 01:00:17.480 So we have ethical rules, you know, they really are 1242 01:00:17.519 --> 01:00:20.519 for litigators, but we all all attorneys are governed by 1243 01:00:20.559 --> 01:00:24.239 the same rules. So the Bar Association doesn't want people 1244 01:00:24.320 --> 01:00:27.679 paying for lawsuits like, you know, to encourage litigation. So 1245 01:00:27.679 --> 01:00:29.559 we got all these rules around who can pay for who, 1246 01:00:29.599 --> 01:00:32.440 and yes, people can pay for someone else's estate plan. 1247 01:00:32.559 --> 01:00:35.039 But it's like going pretty clear, like you're not the client. 1248 01:00:35.719 --> 01:00:37.320 And if they come in and say, you know what 1249 01:00:37.360 --> 01:00:39.639 we're going to create, we actually don't like mark and 1250 01:00:39.679 --> 01:00:43.000 we're cutting them out. Yeah, it's pretty awkward, of course. 1251 01:00:42.800 --> 01:00:43.119 And. 1252 01:00:45.360 --> 01:00:47.079 You might be a little annoyed when that plan comes 1253 01:00:47.119 --> 01:00:50.159 to light. But to go to his particular question, Kent's 1254 01:00:50.159 --> 01:00:53.280 basically saying, they just inherit this. I counted a little 1255 01:00:53.360 --> 01:00:56.360 over ten million there. I mean, how I don't know 1256 01:00:56.440 --> 01:00:58.519 the health your parents are in Kent, but he does 1257 01:00:58.559 --> 01:01:01.599 have a good question, how quick should they be moving 1258 01:01:01.639 --> 01:01:05.239 on this if their will's twenty years twenty years old, 1259 01:01:05.239 --> 01:01:09.559 but if it's only him and one sibling and basically property, 1260 01:01:09.679 --> 01:01:11.280 I mean, well there could be a lot of tax 1261 01:01:11.400 --> 01:01:14.719 ramifications to them. Huh yeah, Well why aren't they going 1262 01:01:14.760 --> 01:01:15.079 to die? 1263 01:01:16.639 --> 01:01:19.079 Well, that's that's kind of one of the issues. My 1264 01:01:19.159 --> 01:01:22.920 dad has recently been diagnosed with Alzheimer's. He's seventy nine, 1265 01:01:22.960 --> 01:01:23.840 and my mom's saying. 1266 01:01:23.679 --> 01:01:24.840 Okay, it's urgent, Kent. 1267 01:01:27.159 --> 01:01:30.039 I mean, he's got to have capacity to sign the document, right, 1268 01:01:30.079 --> 01:01:32.119 he's got a twenty year old. The biggest problems we 1269 01:01:32.199 --> 01:01:35.079 run into are it's not Intestine. They've got a twenty 1270 01:01:35.159 --> 01:01:37.960 year old will. So the biggest problems we run into 1271 01:01:38.039 --> 01:01:40.360 actually in probate process, that our documents are way out 1272 01:01:40.360 --> 01:01:43.519 of date and leaving you probably have a guardian. You 1273 01:01:43.639 --> 01:01:44.760 ready to go live with your uncle. 1274 01:01:44.840 --> 01:01:45.960 I mean that's kind of a joke. You're not going 1275 01:01:46.039 --> 01:01:47.119 to get sent to live with your uncle. 1276 01:01:47.159 --> 01:01:50.679 But you know, you've probably got people in there that 1277 01:01:50.679 --> 01:01:52.920 are going to be fiduciaries and aren't you and maybe 1278 01:01:52.960 --> 01:01:54.719 you or your brothers should be those people. 1279 01:01:54.760 --> 01:02:02.440 Now how old are you three? Okay, maybe you are 1280 01:02:02.480 --> 01:02:03.880 the per and their money. 1281 01:02:03.679 --> 01:02:07.199 I don't need I mean, it's they're just it's just 1282 01:02:07.280 --> 01:02:10.519 been making well they're doing what makes sense in the 1283 01:02:10.599 --> 01:02:11.000 long term. 1284 01:02:11.039 --> 01:02:13.119 Well what makes sense is they go in and visit 1285 01:02:13.199 --> 01:02:16.039 with Dan or visit with an estate planner. I mean, 1286 01:02:16.079 --> 01:02:21.239 no matter what, even for asset protection, for for anything. 1287 01:02:21.320 --> 01:02:23.400 I mean, I think there's too much money there to 1288 01:02:23.800 --> 01:02:27.199 you know, try to hide, not hide, but try to 1289 01:02:27.440 --> 01:02:33.440 uh how do I put this? Not not pay medicaid? 1290 01:02:33.559 --> 01:02:35.199 I guess that's the only way I can put it 1291 01:02:35.320 --> 01:02:38.079 or not have Medicaid come after some of the assets. 1292 01:02:38.079 --> 01:02:40.679 I would say that's probably a little too high in general. 1293 01:02:40.400 --> 01:02:43.519 Right, Yeah, I'd be surprised if someone on twelve million 1294 01:02:43.519 --> 01:02:46.400 bucks wanted to subject themselves. 1295 01:02:46.079 --> 01:02:48.719 To Medicaid coverage. Yeah, it'd be kind of to Oh yeah, exactly. 1296 01:02:48.760 --> 01:02:51.159 That's the other side to it. They want to stay 1297 01:02:51.159 --> 01:02:55.400 in a place other than Motel six. So but ket 1298 01:02:55.440 --> 01:02:56.960 you got to tell them to get on it. But 1299 01:02:57.039 --> 01:02:59.800 that's that goes back to the conversation that we started 1300 01:02:59.800 --> 01:03:04.079 this with. So ultimately, what I did is I told 1301 01:03:04.159 --> 01:03:06.679 my parents, you go out, you do it, and then 1302 01:03:06.800 --> 01:03:09.639 I'm just going to reimburse you because I found that 1303 01:03:09.679 --> 01:03:12.199 the best way. Or buy him a bedroom set or 1304 01:03:12.199 --> 01:03:14.079 what you know, whatever it is to where I end 1305 01:03:14.159 --> 01:03:16.639 up paying for it. I mean, you don't see any 1306 01:03:16.639 --> 01:03:19.519 issue there, right, Oh no, I mean because they paid 1307 01:03:19.519 --> 01:03:20.960 for it, and big deal, I buy him something. 1308 01:03:21.039 --> 01:03:21.239 Yep. 1309 01:03:21.920 --> 01:03:24.840 So but cant that's something maybe you and your sibling go, hey, 1310 01:03:24.880 --> 01:03:27.599 you know, let's uh, maybe you and I talked to 1311 01:03:27.639 --> 01:03:32.000 somebody called Dan up and hire him like like like 1312 01:03:32.079 --> 01:03:34.800 we said, though, there's there's certain things. Yeah, just call 1313 01:03:34.880 --> 01:03:38.880 him off air and talk to him about it man. Yeah, yeah, yeah. 1314 01:03:38.880 --> 01:03:39.679 Are they in Colorado? 1315 01:03:40.280 --> 01:03:40.480 Yeah? 1316 01:03:40.519 --> 01:03:41.440 Are they in Colorado? 1317 01:03:42.840 --> 01:03:43.880 They're in Wyoming. 1318 01:03:44.079 --> 01:03:47.440 Okay, they need a Wyoming attorning the Yeah, you definitely 1319 01:03:47.440 --> 01:03:52.039 need a Wyoming Hey, I appreciate any other questions. 1320 01:03:52.639 --> 01:03:54.960 Hey, thanks? Can I appreciate that? Three oh three seven 1321 01:03:55.000 --> 01:03:57.760 one three eight two five five. We've got someone's got 1322 01:03:57.760 --> 01:04:01.199 a question on trust issue with an HOA and whoever's 1323 01:04:01.199 --> 01:04:03.320 online one, I pray it's not Drew. 1324 01:04:09.800 --> 01:04:13.079 Go with a sure thing Denver's Best roofer Excel Roofing 1325 01:04:13.159 --> 01:04:13.760 dot com. 1326 01:04:13.800 --> 01:04:15.840 You don't pay a cent until you're content. 1327 01:04:19.199 --> 01:04:22.400 Time for an insurance check up free no obligation comparison 1328 01:04:22.519 --> 01:04:26.079 call Compass Insurance paying too much your coverage at dozens 1329 01:04:26.079 --> 01:04:28.840 of insurance companies find out now three all three seven 1330 01:04:28.800 --> 01:04:31.159 to seven to one help. You'll think you're his only 1331 01:04:31.280 --> 01:04:33.760 customer when you choose Frank durand the real estate Man 1332 01:04:33.800 --> 01:04:37.239 dot com to list your home with Remax Alliance three 1333 01:04:37.239 --> 01:04:43.599 all three nine two zero sixteen twenty two. 1334 01:04:44.920 --> 01:04:48.000 All right, everybody three zero three seven one three eight 1335 01:04:48.039 --> 01:04:53.440 two five five. During the break, Dmitri Deputy d was 1336 01:04:53.559 --> 01:04:56.920 reminding me of a dog at large ticket I had 1337 01:04:57.000 --> 01:05:01.320 years ago, maybe one of these days. Maybe one of 1338 01:05:01.360 --> 01:05:03.719 these days I'll tell the story on air, but I 1339 01:05:03.760 --> 01:05:05.440 will finish it up during the break if you go 1340 01:05:05.480 --> 01:05:09.320 to our YouTube YouTube dot com Troubleshooter Network, And yes, 1341 01:05:09.400 --> 01:05:12.920 these are true stories. Unfortunately, I have the neighbors that 1342 01:05:13.039 --> 01:05:17.360 remember from Castle Rock with absolutely no doubt, and one 1343 01:05:17.360 --> 01:05:20.360 of the attorneys that I ultimately ended up getting it 1344 01:05:20.400 --> 01:05:23.960 into with years later. But that's just a side note 1345 01:05:23.960 --> 01:05:27.679 on that. Let's go right back where did we leave off? 1346 01:05:27.719 --> 01:05:27.880 Here? 1347 01:05:28.039 --> 01:05:29.440 Don I do have an update? 1348 01:05:29.599 --> 01:05:32.039 Okay, because you know you kind of told me on 1349 01:05:32.119 --> 01:05:33.840 the break that I'm too nice. 1350 01:05:33.960 --> 01:05:37.239 No I didn't say you're too nice? Okay, no, no, no, no, no. 1351 01:05:37.400 --> 01:05:39.760 You want to have this conversation on air, We're having it. 1352 01:05:39.800 --> 01:05:42.400 We're having it because I need to tell you, Okay, 1353 01:05:42.440 --> 01:05:45.920 go ahead, that a very nice lady called Drew. And Nope, 1354 01:05:45.960 --> 01:05:50.000 not Drew, it's a lady, a lady she called and 1355 01:05:50.079 --> 01:05:53.760 said the show is so good today and wanted to 1356 01:05:53.880 --> 01:05:56.119 extend her regards to you. 1357 01:05:56.239 --> 01:06:00.599 And what's her name? So you probably know what? You 1358 01:06:00.719 --> 01:06:05.559 probably know her favorite meal, what color shoes she wears, 1359 01:06:06.519 --> 01:06:11.719 wherever she lives, and the other eight hundred questions. Oh 1360 01:06:11.760 --> 01:06:15.039 my god, So let me tell you my wife does it. 1361 01:06:15.599 --> 01:06:17.960 My wife does it better than anybody. Now that sounds 1362 01:06:17.960 --> 01:06:23.039 strange just in general. That could be taken in so 1363 01:06:23.159 --> 01:06:26.159 many ways. But here's what I mean by it. Before Kelly, 1364 01:06:26.280 --> 01:06:30.280 she would screen the calls, she's the executive producer, but 1365 01:06:30.320 --> 01:06:33.559 she would also be back to and Suzanne does what Kelly, 1366 01:06:33.599 --> 01:06:36.920 do you remember how we taught you back in the day. Yeah, 1367 01:06:37.119 --> 01:06:41.440 I Troubleshooter show what's your first name? And then I 1368 01:06:41.519 --> 01:06:45.800 don't do that? And you would say, example, you would say, well, 1369 01:06:45.840 --> 01:06:49.440 I just want to know what's your first name? And 1370 01:06:49.480 --> 01:06:52.280 then they give you a first name. I've that's your question. 1371 01:06:52.360 --> 01:06:55.519 I've gotten better over the year. And that's it. Here's Kelly. 1372 01:06:55.519 --> 01:06:57.639 Though I listened to her people on YouTube. Can hear 1373 01:06:59.719 --> 01:07:01.719 Tom Martino show? Do you want to talk to Mark? 1374 01:07:02.239 --> 01:07:02.440 Oh? 1375 01:07:02.480 --> 01:07:05.079 By the way, what's the weather like where you're at? Oh? 1376 01:07:05.159 --> 01:07:06.800 What what's your favorite meal? 1377 01:07:06.920 --> 01:07:12.719 Oh? Do you like pie? Pie? Do you like compliment? 1378 01:07:13.039 --> 01:07:13.199 Oh? 1379 01:07:13.280 --> 01:07:13.559 Mark? 1380 01:07:14.599 --> 01:07:18.519 Huh huh? Now wait a minute, Shannon, I want to 1381 01:07:18.519 --> 01:07:20.760 bring you in on this real quick. No, you should 1382 01:07:20.800 --> 01:07:23.079 break first. No, do you got to break? That's that's 1383 01:07:23.159 --> 01:07:24.239 Kelly's fault as well. 1384 01:07:24.239 --> 01:07:31.159 Hold on, go with a sure thing Denver's best roofer 1385 01:07:31.320 --> 01:07:32.800 Excel Roofing dot com. 1386 01:07:32.840 --> 01:07:34.880 You don't pay a cent until you're content. 1387 01:07:38.239 --> 01:07:41.800 Time for an insurance checkup free, no obligation comparison call 1388 01:07:41.880 --> 01:07:45.199 Compass Insurance paying too much your coverage at dozens of 1389 01:07:45.239 --> 01:07:48.199 insurance companies find out now three O three seven seven 1390 01:07:48.199 --> 01:07:50.960 to one help. You'll think you're his only customer when 1391 01:07:51.000 --> 01:07:53.480 you choose Frank durand the real estate Man dot com 1392 01:07:53.519 --> 01:07:56.639 to list your home with Remax Alliance three oh three 1393 01:07:56.719 --> 01:08:00.679 nine two zero sixteen twenty two. 1394 01:08:00.880 --> 01:08:03.400 All right, three oh three seven one three eight two 1395 01:08:03.480 --> 01:08:09.880 five five. I've got one. We're trying to get them on. 1396 01:08:10.079 --> 01:08:11.920 I'm gonna get right back to the phones I promised, 1397 01:08:11.960 --> 01:08:13.239 but we're gonna try to get one on. 1398 01:08:13.840 --> 01:08:14.000 Uh. 1399 01:08:14.000 --> 01:08:18.119 There's an HVAC company out there that has been using 1400 01:08:18.359 --> 01:08:22.520 our good name, our intellectual property. To be quite Frank, 1401 01:08:23.920 --> 01:08:26.840 that's driving me insane. I just got another complaint on them. 1402 01:08:27.199 --> 01:08:29.800 The complaint within itself wasn't that bad. But when I 1403 01:08:29.800 --> 01:08:34.159 looked at their invoice, their actual invoice, I don't have 1404 01:08:34.239 --> 01:08:35.600 it right in front of me. Oh yeah, I do. 1405 01:08:35.760 --> 01:08:38.880 I do have it right here. Their actual invoice says, 1406 01:08:40.119 --> 01:08:43.319 this drove me crazy. In fact, my blood pressure literally 1407 01:08:43.359 --> 01:08:47.840 is going up right now. We are recommended by Consumer 1408 01:08:47.880 --> 01:08:53.119 Advocate Radio's Tom Martine. Yep, that's what it says. They 1409 01:08:53.199 --> 01:08:56.119 must not know that is intellectual property. But that's okay. 1410 01:08:57.239 --> 01:09:00.119 That's okay because I've already had this conversation with to 1411 01:09:00.119 --> 01:09:03.159 these guys ten years ago. And when we get this 1412 01:09:03.359 --> 01:09:05.920 caller who's got a problem with this company, I'm not 1413 01:09:05.960 --> 01:09:08.039 even going to say the name of it now. I 1414 01:09:08.079 --> 01:09:11.640 see your freaking vans all the time, though I'm not 1415 01:09:11.760 --> 01:09:16.000 dropping it this time. I am not dropping it. You know, 1416 01:09:16.760 --> 01:09:20.000 we don't recommend you. I assure you we don't recommend you. 1417 01:09:20.479 --> 01:09:24.000 And if we did, it was fifteen years ago. Fifteen 1418 01:09:24.119 --> 01:09:30.720 years ago, Alison Jack Sherry, I promise right after this break, 1419 01:09:30.760 --> 01:09:34.119 I'm going directly to you three first one line, open, 1420 01:09:34.199 --> 01:09:38.119 three oh three Martino, question on life insurance, comment on 1421 01:09:38.199 --> 01:09:41.279 a trust and an issue with an ho AA, all 1422 01:09:41.319 --> 01:09:45.000 that and a lot more right after this on the 1423 01:09:45.159 --> 01:09:46.800 Troubleshooter Network. 1424 01:09:50.680 --> 01:09:53.920 Go with a sure thing Denver's Best roofer Excel roofing 1425 01:09:54.039 --> 01:09:54.600 dot com. 1426 01:09:54.640 --> 01:09:57.000 You don't pay a cent until you're content. 1427 01:09:58.840 --> 01:10:00.039 On top of it. 1428 01:10:00.079 --> 01:10:03.239 Time for an insurance check up, free no obligation. In comparison, 1429 01:10:03.359 --> 01:10:06.920 call Compass Insurance paying too much your coverage at dozens 1430 01:10:06.920 --> 01:10:09.640 of insurance companies. Find out now three oh three seven 1431 01:10:09.760 --> 01:10:12.560 seven to one help. You'll think you're his only customer 1432 01:10:12.600 --> 01:10:14.880 when you choose Frank durand the real estate Man dot 1433 01:10:14.880 --> 01:10:18.199 com to list your home with Remax Alliance three oh 1434 01:10:18.239 --> 01:10:20.199 three nine two zero sixteen twenty two. 1435 01:10:25.840 --> 01:10:26.359 Ripped of. 1436 01:10:28.119 --> 01:10:31.199 News so you don't have. 1437 01:10:33.359 --> 01:10:33.640 Come. 1438 01:10:33.800 --> 01:10:35.760 Runs as fast as we can. 1439 01:10:36.640 --> 01:10:38.359 Show Shooter's gonna help. 1440 01:10:38.640 --> 01:10:45.840 Come man, This is the Troubleshooter Show Now, Tom Martine, Welcome, 1441 01:10:45.920 --> 01:10:47.520 Welcome to the only. 1442 01:10:47.319 --> 01:10:49.840 Show if it's kind. We're here to solve problems, answer questions, 1443 01:10:50.199 --> 01:10:52.760 take complaints. Our goal in life is to make your 1444 01:10:52.840 --> 01:10:56.680 life a little bit better. I gotta tell everybody out 1445 01:10:56.680 --> 01:10:58.359 there you should join us on YouTube. You go to 1446 01:10:58.399 --> 01:11:01.159 YouTube dot com, type in trouble Shooter Network. If you're 1447 01:11:01.199 --> 01:11:03.720 new to the show, share it with people. You can 1448 01:11:03.720 --> 01:11:06.319 not only watch us, but you can hear us talk 1449 01:11:06.399 --> 01:11:09.159 during the breaks outside of the commercials. It's kind of cool. 1450 01:11:09.359 --> 01:11:11.960 But three zero three seven one, three eight two five 1451 01:11:12.119 --> 01:11:14.600 five is the number to call right now or three 1452 01:11:14.840 --> 01:11:20.039 zero three Martino any questions you have Attorney Dan McKenzie 1453 01:11:20.119 --> 01:11:23.279 sits to my left, Deputy d to my right across 1454 01:11:23.319 --> 01:11:26.880 the table. Deputy chopper he used to fly helicopters for 1455 01:11:27.520 --> 01:11:30.960 Was it Denver PD chopper or was it a Denver 1456 01:11:31.720 --> 01:11:33.800 Does the county have choppers? 1457 01:11:34.159 --> 01:11:38.680 No, the it's a different situation in Denver. Denver is 1458 01:11:38.720 --> 01:11:40.800 a city in county. Yeah, I know, and the police 1459 01:11:40.800 --> 01:11:44.159 department is basically everything everything it is that so they 1460 01:11:44.159 --> 01:11:47.479 don't have county. They don't have Denver County sheriffs. Yes 1461 01:11:47.520 --> 01:11:51.000 we do, but they're mainly court officers and subpoena servers, 1462 01:11:51.199 --> 01:11:52.600 got it, officers of the court. 1463 01:11:52.840 --> 01:11:55.600 I understand. Now we talk a lot about and I'll 1464 01:11:55.600 --> 01:11:58.000 go right to the phones here, but people make fun, 1465 01:11:58.039 --> 01:12:00.399 you know, hanging out at the doughnut store. We've all 1466 01:12:00.439 --> 01:12:04.560 heard that, We've all seen it. How much truth is there? 1467 01:12:04.720 --> 01:12:07.159 There are a lot of cops, so I'm just asking 1468 01:12:07.239 --> 01:12:10.920 you because you were Denver PD, so, sir, a lot 1469 01:12:10.960 --> 01:12:13.199 of them lazy and were always at the donuts store 1470 01:12:13.279 --> 01:12:13.520 or what. 1471 01:12:13.880 --> 01:12:16.239 I had a Mister Donut in my area and I 1472 01:12:16.239 --> 01:12:17.760 had a booth with my name on it. 1473 01:12:18.439 --> 01:12:21.880 I believe that, Okay, I guess, I guess. You know, 1474 01:12:22.039 --> 01:12:25.319 he's jest in jest, but at the same time a 1475 01:12:25.359 --> 01:12:26.000 little truth. 1476 01:12:26.359 --> 01:12:26.600 Right. 1477 01:12:26.720 --> 01:12:29.279 I did all my reports there. You did literally, I 1478 01:12:29.359 --> 01:12:31.960 mean literally with somewhere to go where you can write 1479 01:12:32.079 --> 01:12:33.560 with a flat table in front of you. 1480 01:12:34.079 --> 01:12:37.479 And heat donuts. After a while, you get tired of donuts. 1481 01:12:37.520 --> 01:12:39.439 Now if you buy him one at a time, once 1482 01:12:39.479 --> 01:12:41.880 you hit twelve, do you get the thirteenth? Three? The 1483 01:12:42.520 --> 01:12:44.119 Baker's dozen? Does that come? 1484 01:12:44.720 --> 01:12:44.920 Sir? 1485 01:12:44.960 --> 01:12:46.199 What was the word you said? Buy? 1486 01:12:47.039 --> 01:12:47.199 Yo? 1487 01:12:47.520 --> 01:12:49.680 I you know what? That's the other thing? Yeah, they 1488 01:12:49.720 --> 01:12:52.760 don't buy donuts, do they. I mean, we've all heard this. 1489 01:12:52.920 --> 01:12:55.439 I wonder how true that is? The place never got 1490 01:12:55.439 --> 01:12:58.279 stuck up? Why I always there? I bet you never did? 1491 01:12:58.560 --> 01:13:00.680 All right? Three oh three seven one three A two 1492 01:13:00.720 --> 01:13:04.600 five five Allison? What is your question? 1493 01:13:05.600 --> 01:13:06.239 Oh Mark? 1494 01:13:06.680 --> 01:13:13.520 I'm president of a small townhouse development and it's lovely 1495 01:13:13.840 --> 01:13:17.520 and we have a lovely hoa board, and we have 1496 01:13:17.600 --> 01:13:22.840 a management company. But we face what many townhouses and 1497 01:13:22.920 --> 01:13:28.760 condos face in that insurance is incredibly horrible, and we 1498 01:13:28.920 --> 01:13:34.520 lost our wine insurance policy. Our management company scrabbled around 1499 01:13:34.680 --> 01:13:37.800 really really, really hard and found another one for us 1500 01:13:37.840 --> 01:13:41.760 where we didn't have to suffer A great increase this 1501 01:13:41.920 --> 01:13:43.159 year over last year. 1502 01:13:43.359 --> 01:13:44.000 That's amazing. 1503 01:13:45.159 --> 01:13:51.079 Yeah, but the problem is the management company is now 1504 01:13:51.279 --> 01:13:55.800 pushing hard that each one of our twenty four homeowners 1505 01:13:56.359 --> 01:14:01.239 buys their own internal and external insurance policy. 1506 01:14:01.319 --> 01:14:03.720 Well, then why did they It doesn't sound like you 1507 01:14:03.800 --> 01:14:07.560 went with a new insurance company at all. Then if 1508 01:14:07.560 --> 01:14:10.640 they found another one where it didn't increase that much, 1509 01:14:11.199 --> 01:14:14.479 what is that insurance company for if the residents are 1510 01:14:14.520 --> 01:14:16.960 going to be covering the external. 1511 01:14:17.039 --> 01:14:20.920 Well that's why the I think the idea is that 1512 01:14:20.920 --> 01:14:23.279 that company is only going to be covering us for 1513 01:14:23.399 --> 01:14:25.840 this year and when it comes to the end of 1514 01:14:25.880 --> 01:14:28.239 the year when we have to get a new policy 1515 01:14:29.199 --> 01:14:32.079 and we are being encouraged to you know, and this 1516 01:14:32.159 --> 01:14:36.840 is not struck in the rules and regulations yet. Yeah, 1517 01:14:37.119 --> 01:14:39.159 just a matter of conversation, why do you think? 1518 01:14:39.199 --> 01:14:42.319 But hold on, Alison, why why is this conversation even 1519 01:14:42.359 --> 01:14:46.000 taking place? Why would an insurance company go ahead and 1520 01:14:46.079 --> 01:14:51.560 cover you guys this year in a normal capacity instead 1521 01:14:51.600 --> 01:14:57.199 of each you know, tenant paying something compared to in 1522 01:14:57.239 --> 01:14:59.359 saying we're not going to cover you next year. Was 1523 01:14:59.399 --> 01:15:00.800 there a big this year? 1524 01:15:01.439 --> 01:15:05.600 No, there was no big claim. It's just that we 1525 01:15:06.039 --> 01:15:09.680 I think it might be fear. I really don't, you know, 1526 01:15:09.720 --> 01:15:12.600 I don't know the motivation of of what's going on, 1527 01:15:13.199 --> 01:15:16.600 but I think that the management company had such a 1528 01:15:16.800 --> 01:15:20.399 difficult time in finding a company. 1529 01:15:20.439 --> 01:15:21.920 I just want to have a backup plan. 1530 01:15:22.479 --> 01:15:24.720 Yeah, I think this is planned b in the works 1531 01:15:24.760 --> 01:15:28.119 and anticipation of the new insurance company bailing out on 1532 01:15:28.159 --> 01:15:28.720 them as well. 1533 01:15:29.000 --> 01:15:31.520 Right, what is the quote on the new or you 1534 01:15:31.560 --> 01:15:32.760 don't even have one yet? 1535 01:15:32.880 --> 01:15:36.600 No, we don't, and and if we do, then you know, 1536 01:15:37.680 --> 01:15:39.960 well we do. We've paid for the for this year 1537 01:15:40.640 --> 01:15:45.640 on the company, but nobody's been asked of the twenty 1538 01:15:45.640 --> 01:15:48.880 four homeowners. The board hasn't said, well, now you need 1539 01:15:48.920 --> 01:15:51.720 to go out and start pricing your own insurance policies 1540 01:15:52.000 --> 01:15:55.399 because the decision hasn't been made, And as the president, 1541 01:15:55.800 --> 01:15:59.159 I feel that I need to be better informed. How 1542 01:15:59.199 --> 01:16:03.439 many how many townhouse associations right now have gone to 1543 01:16:03.560 --> 01:16:07.119 individual policies. I'm not sure where to go, I asked 1544 01:16:07.119 --> 01:16:09.439 my insurance guy. Kelly didn't even answer me. 1545 01:16:09.560 --> 01:16:12.399 Yeah, hold on, Alison, Hey, Kelly, get Brian Burns on 1546 01:16:12.479 --> 01:16:16.800 for me. I've got some questions for him with Compass Insurance. 1547 01:16:16.800 --> 01:16:20.039 Hold on, all right, Allison, I'm sorry go ahead, you 1548 01:16:20.039 --> 01:16:20.760 were saying. 1549 01:16:20.479 --> 01:16:24.680 Some Oh, well, you know, the point is, what are 1550 01:16:24.720 --> 01:16:25.279 the pros and. 1551 01:16:25.239 --> 01:16:25.880 What are the comments? 1552 01:16:25.960 --> 01:16:28.800 Well, it's there's there's I got more questions, and I 1553 01:16:28.840 --> 01:16:31.600 do answers why I want to give Brian on But yeah, 1554 01:16:31.600 --> 01:16:33.720 one of the questions I have if all of you 1555 01:16:33.800 --> 01:16:39.439 are covering your own unit inside and then your own 1556 01:16:39.560 --> 01:16:41.640 unit outside, how many buildings are there? 1557 01:16:42.159 --> 01:16:45.199 There are twelve buildings, So if one building there are 1558 01:16:45.319 --> 01:16:47.239 twelve duplexes, well, okay. 1559 01:16:47.000 --> 01:16:51.840 That's fine. If one duplex or one building gets gets 1560 01:16:51.880 --> 01:16:55.680 a hailstorm and the others don't. I realize that sounds ridiculous. 1561 01:16:55.720 --> 01:16:59.600 But if something only happens to one building, maybe a fire, 1562 01:17:00.199 --> 01:17:03.840 does that mean that only the people in that building 1563 01:17:04.199 --> 01:17:07.039 would end up using their insurance It wouldn't affect the 1564 01:17:07.079 --> 01:17:07.600 rest of you. 1565 01:17:08.359 --> 01:17:12.359 That's possibly so. But on the other hand, in the 1566 01:17:12.439 --> 01:17:17.039 problem of the way townhouse rules and rigs are that, well, 1567 01:17:17.079 --> 01:17:19.199 everybody's got to have the same kind of roof or 1568 01:17:19.319 --> 01:17:21.720 the same paint on the outside of the unit. 1569 01:17:21.840 --> 01:17:25.319 Yeah, but that's more of just the bylaws. That's nothing. Yeah, 1570 01:17:25.840 --> 01:17:29.239 just the coverage part. I'm not I guess I simply 1571 01:17:29.239 --> 01:17:32.119 don't understand that coverage in one of the buildings. How 1572 01:17:32.119 --> 01:17:33.199 many stories is it? 1573 01:17:34.119 --> 01:17:36.119 They are two stories with a full basement. 1574 01:17:36.920 --> 01:17:39.600 So two stories with a full basement. Now this is 1575 01:17:39.800 --> 01:17:45.039 once again a silly question. If one building with two 1576 01:17:45.079 --> 01:17:48.840 stories gets hit, If I'm on the first floor and 1577 01:17:48.920 --> 01:17:51.279 the roof has hail damage, why the hell am I 1578 01:17:51.319 --> 01:17:52.079 paying for a roof? 1579 01:17:52.079 --> 01:17:52.199 Oh? 1580 01:17:52.239 --> 01:17:53.560 Mark, the guy's floor's fine. 1581 01:17:53.600 --> 01:17:56.319 Well, I have an answer, because these are townhouses. Yeah, 1582 01:17:56.359 --> 01:17:59.000 so there is nobody below or above you. You got 1583 01:17:59.039 --> 01:18:02.079 the entire you got the entire section in. 1584 01:18:02.079 --> 01:18:04.359 The buildings, forget the ted Did you say there's a 1585 01:18:04.399 --> 01:18:05.600 building and town homes? 1586 01:18:06.560 --> 01:18:10.960 No, No, there are. There are twelve duplexes. 1587 01:18:11.479 --> 01:18:13.279 That's that makes up the whole community. 1588 01:18:13.359 --> 01:18:14.920 Yes, the whole community. 1589 01:18:14.640 --> 01:18:17.760 Okay, there you would share the roof, so I wonder 1590 01:18:17.760 --> 01:18:21.920 if it would be cheaper. Yeah, I understand. I wonder 1591 01:18:21.920 --> 01:18:22.960 if it would be cheaper. 1592 01:18:24.920 --> 01:18:27.399 And I wonder if those policies are even available. I've 1593 01:18:27.399 --> 01:18:29.560 never heard of a town home policy. It would be 1594 01:18:29.560 --> 01:18:30.720 a great question for commedy. 1595 01:18:30.760 --> 01:18:32.760 Yeah, oh, we're going to try to get Brian Burns. 1596 01:18:32.800 --> 01:18:35.279 I just hold on Allison because I'm I'm kind of 1597 01:18:35.279 --> 01:18:37.199 curious with that. And then how about all the money 1598 01:18:37.239 --> 01:18:40.359 they've paid in so far in duce, I guess they 1599 01:18:40.359 --> 01:18:43.960 would just what reimburse or I mean, I don't even 1600 01:18:44.000 --> 01:18:45.119 know how you switch from there. 1601 01:18:45.279 --> 01:18:47.199 No, they got what they got. They got what they 1602 01:18:47.239 --> 01:18:50.680 paid for, right, which is an association provided insurance policy. 1603 01:18:51.000 --> 01:18:53.239 But if the time comes for going to ensure their 1604 01:18:53.279 --> 01:18:56.920 own vertical section of the building, then their HOA dues 1605 01:18:56.960 --> 01:19:00.720 could conceivably be reduced by the amount that the h 1606 01:19:00.800 --> 01:19:03.079 r A would have spent for an overall insurance. 1607 01:19:03.119 --> 01:19:05.359 Well, of course, so then it should go down in theory. 1608 01:19:05.399 --> 01:19:06.479 Oh yeah, yeah, not. 1609 01:19:06.359 --> 01:19:06.920 Just in theory. 1610 01:19:07.000 --> 01:19:09.720 How about common areas like a swimming pool. 1611 01:19:09.840 --> 01:19:12.159 Yeah, that's a good question, Alison. What's going to happen 1612 01:19:12.199 --> 01:19:15.319 to your parking lots? Things like that. 1613 01:19:15.479 --> 01:19:17.880 I want to get Brian Burns on Sherry, what's going 1614 01:19:17.880 --> 01:19:18.319 on with you? 1615 01:19:20.720 --> 01:19:20.880 Hi? 1616 01:19:22.880 --> 01:19:27.600 Last year I purchased through work on life insurance policy 1617 01:19:27.960 --> 01:19:29.359 for accidental death. 1618 01:19:29.399 --> 01:19:30.680 Okay, and. 1619 01:19:32.720 --> 01:19:36.119 I added my husband to the policy because why not, 1620 01:19:36.880 --> 01:19:41.239 it wouldn't it wasn't costing me that much more. Well, unfortunately, 1621 01:19:41.359 --> 01:19:42.560 my husband did. 1622 01:19:42.439 --> 01:19:46.960 Pass away, oh my goodness. And she was towards the 1623 01:19:47.039 --> 01:19:49.680 end of Sherry help, Oh, the end of last year. 1624 01:19:49.760 --> 01:19:52.279 It's that soon. Or that it was only a few 1625 01:19:52.319 --> 01:19:52.800 months ago. 1626 01:19:54.920 --> 01:19:57.680 Yeah, I purchased the policy like in January. Do work 1627 01:19:57.720 --> 01:20:01.239 when they when the insurance news and then you passed 1628 01:20:01.239 --> 01:20:02.000 away in August. 1629 01:20:02.119 --> 01:20:04.479 Okay, I'm first of all, I'm very sorry to hear that. 1630 01:20:04.640 --> 01:20:06.359 I want to give you more time, So let me 1631 01:20:06.399 --> 01:20:08.880 take this break. I'm gonna come back to you after this, 1632 01:20:08.960 --> 01:20:12.159 I promise Sherrian Allison, we're gonna get Brian with Compass 1633 01:20:12.199 --> 01:20:15.439 Insurance on to dive into that, because there's a lot 1634 01:20:15.439 --> 01:20:18.520 of people in condos right now that simply can't get 1635 01:20:18.520 --> 01:20:21.880 insured or they're getting hit with special assessments that are 1636 01:20:21.960 --> 01:20:26.279 mind blowing. I mean, think about this. Your HOA tells everybody, Okay, 1637 01:20:26.319 --> 01:20:29.239 you got to cough up eight grand each in order 1638 01:20:29.279 --> 01:20:31.840 for us to get insurance. It's getting bad out there. 1639 01:20:32.000 --> 01:20:40.159 Hold tight, go with a sure thing Denver's Best roofer 1640 01:20:40.279 --> 01:20:43.199 Excel roofing dot com. You don't pay a cent until 1641 01:20:43.239 --> 01:20:49.680 you're content. Time for an insurance check up free, no obligation. 1642 01:20:49.720 --> 01:20:53.560 In comparison, call Compass Insurance paying too much your coverage 1643 01:20:53.560 --> 01:20:56.159 at dozens of insurance companies find out now three O 1644 01:20:56.279 --> 01:20:57.439 three seven to seven to one. 1645 01:20:57.520 --> 01:20:59.720 Help you'll think you're his only customer. 1646 01:20:59.760 --> 01:21:02.039 When you choose Frank durand the real estate man dot 1647 01:21:02.079 --> 01:21:05.399 Com to list your home with Remax Alliance three oh 1648 01:21:05.439 --> 01:21:07.600 three nine two zero sixteen twenty two. 1649 01:21:11.600 --> 01:21:14.760 Three seven one three eight two five five two lines open, 1650 01:21:14.760 --> 01:21:17.439 you've been ripped off taking advantage of Have any questions, 1651 01:21:17.640 --> 01:21:19.640 don't forget In a few minutes. Here we're gonna play 1652 01:21:19.760 --> 01:21:23.720 stump the guest, stump the attorney. It happens to be today, 1653 01:21:24.479 --> 01:21:27.800 and we're gonna see how good our expert does. Something 1654 01:21:27.840 --> 01:21:31.079 tells me, dam McKenzie attorney of laws, pretty damn good 1655 01:21:31.119 --> 01:21:33.199 at what he does. So I have a feeling I 1656 01:21:33.199 --> 01:21:37.199 have a feeling Dmitri trying to stump him is gonna 1657 01:21:37.319 --> 01:21:39.399 end up being the one stump. But we're gonna find 1658 01:21:39.399 --> 01:21:42.000 that out. Meantime, I'm gonna go right back to this. 1659 01:21:42.000 --> 01:21:45.319 This poor woman lost her husband. She had an accidental 1660 01:21:45.439 --> 01:21:47.760 death policy. She added her husband to a lot of 1661 01:21:47.800 --> 01:21:51.399 places that Dan, this is one of these things generally 1662 01:21:51.439 --> 01:21:55.359 your employer, I assume offers and then of course it's 1663 01:21:55.439 --> 01:22:00.159 accidental death. And the bottom line is she signed up. 1664 01:22:00.159 --> 01:22:03.119 She added her husband, which a lot of companies allow 1665 01:22:03.159 --> 01:22:04.760 you to do. I'm sure You've dealt with a lot 1666 01:22:04.760 --> 01:22:08.000 of these policies, right, yeah, and let's see what happened. 1667 01:22:08.039 --> 01:22:13.479 She's apparently not getting paid or uh, something is going 1668 01:22:13.520 --> 01:22:15.640 on with it. But Sherry, give us a little more 1669 01:22:15.680 --> 01:22:20.640 information now, Sherry, Well. 1670 01:22:20.800 --> 01:22:26.359 Yeah, I'm here. So they made me jump through a 1671 01:22:26.359 --> 01:22:31.159 bunch of hoops just to get the policy or to 1672 01:22:31.239 --> 01:22:35.119 get I don't know what to say to start the 1673 01:22:35.199 --> 01:22:37.119 process for the policy. 1674 01:22:37.359 --> 01:22:39.479 You mean to get paid, to get paid out. 1675 01:22:40.079 --> 01:22:43.800 To get paid, And yes, I understand it was accidental 1676 01:22:43.840 --> 01:22:51.840 death policy. My husband did die on the accidental be choking, and. 1677 01:22:52.479 --> 01:22:56.239 So he choked on like, for example, while eating. What happened? 1678 01:22:58.039 --> 01:22:59.520 She choked eating a hamburger. 1679 01:23:00.920 --> 01:23:05.199 That's that's curious, Okay, So we choked, and out of curiosity, 1680 01:23:05.199 --> 01:23:07.720 what's on the death certificate? What did the coroner rule? 1681 01:23:09.399 --> 01:23:15.319 Initially they ruled it as natural causes, but then once 1682 01:23:15.399 --> 01:23:17.720 I spoke with the doctor a little bit more, they 1683 01:23:17.800 --> 01:23:23.079 amended to death certificate to accidental death related to choking 1684 01:23:23.159 --> 01:23:28.760 and everything else that happens when you lose oxygen to 1685 01:23:28.840 --> 01:23:33.199 the brain and things like that. And then the reports 1686 01:23:33.199 --> 01:23:36.000 at the hospital and the emergency room also confirmed that 1687 01:23:36.520 --> 01:23:38.680 there was a bunch of food that was lodged in 1688 01:23:38.720 --> 01:23:40.079 his throat. 1689 01:23:40.880 --> 01:23:43.800 Did this happen? Did this happen at home? Or did 1690 01:23:43.840 --> 01:23:46.760 it happen at a restaurant? Where did it happen? Was 1691 01:23:46.760 --> 01:23:48.039 there other witnesses or. 1692 01:23:49.479 --> 01:23:52.960 No, it happened at home. Okay, And we tried to 1693 01:23:53.000 --> 01:23:58.199 revive my husband to the heimlichally, my son and myself. 1694 01:23:58.319 --> 01:24:01.199 Oh my goodness, I just can't even imagine that going down. 1695 01:24:01.239 --> 01:24:03.560 So you tried the Heimlich, you called nine to one one. 1696 01:24:03.800 --> 01:24:06.159 Was it too late by the time the ambulance got there? 1697 01:24:08.079 --> 01:24:11.279 It was, But they said that they brought him back 1698 01:24:11.760 --> 01:24:14.520 and then they did a shake out of me so 1699 01:24:14.600 --> 01:24:17.720 he can breathe. But by the time he got to 1700 01:24:17.760 --> 01:24:21.560 the hospital, he had already been with the oxygen for 1701 01:24:21.600 --> 01:24:25.399 like thirty minutes or something like that. And so the 1702 01:24:25.479 --> 01:24:27.800 doctor said that he would never be the same person. 1703 01:24:27.960 --> 01:24:31.760 He would have to have twenty four hour care sevent. 1704 01:24:31.520 --> 01:24:33.600 Days a week pretty much branded. 1705 01:24:35.039 --> 01:24:35.439 He was. 1706 01:24:35.680 --> 01:24:39.279 And I so he didn't want to live like that. 1707 01:24:39.560 --> 01:24:45.680 So so anyway, man, what a what a touching story. 1708 01:24:45.760 --> 01:24:49.399 It's it's really god. I just I just can't. I 1709 01:24:49.439 --> 01:24:51.600 feel so bad for you. But now you're fighting. Let's 1710 01:24:51.600 --> 01:24:54.960 fast forward. You're fighting with the insurance company you had, 1711 01:24:55.800 --> 01:25:01.199 Dan mackenzie, when when something like this happens on these policies, 1712 01:25:01.920 --> 01:25:06.159 if the coroner ultimately changes his mind and puts down 1713 01:25:07.279 --> 01:25:10.319 choking on Hamburger accidental death? However, how was it to 1714 01:25:10.399 --> 01:25:12.800 find again on the death certificate. 1715 01:25:14.720 --> 01:25:22.520 It was an accidental accidental due to as fixation, lack 1716 01:25:22.560 --> 01:25:23.840 of oxygen to the brain. 1717 01:25:24.359 --> 01:25:26.600 So to get read, there's four different things. 1718 01:25:26.640 --> 01:25:29.479 And they're still and they're still battling with you right 1719 01:25:29.520 --> 01:25:31.960 where you still denied it. I mean that's not not clear. 1720 01:25:32.039 --> 01:25:33.840 Have they denied the claim? 1721 01:25:34.319 --> 01:25:37.680 No, but they're still investigating it and they keep writing 1722 01:25:37.680 --> 01:25:40.680 me a letter saying they need more time. They're getting 1723 01:25:40.720 --> 01:25:45.039 more medical records, and I'm just wondering, how long is 1724 01:25:45.119 --> 01:25:46.079 this normal? 1725 01:25:46.279 --> 01:25:48.479 That's probably contractual, right Dan. 1726 01:25:49.159 --> 01:25:51.119 Yeah, they probably have some time to do the investigation. 1727 01:25:51.399 --> 01:25:53.239 You said, when did you say this happen? When did 1728 01:25:53.239 --> 01:25:54.439 he pass away? 1729 01:25:55.439 --> 01:25:56.720 August of last year? 1730 01:25:57.159 --> 01:26:00.720 Wow? How much is a policy? 1731 01:26:02.520 --> 01:26:08.319 It's a half a million? Yeah, But I think according 1732 01:26:08.319 --> 01:26:11.159 to the policy that I'm only. 1733 01:26:11.079 --> 01:26:14.119 Entitled to sixty Why is that? 1734 01:26:15.920 --> 01:26:18.800 Because she's my husband, and I think the policy would 1735 01:26:18.800 --> 01:26:22.960 pay out if I passed away the full face value. 1736 01:26:23.000 --> 01:26:25.920 But because it's my husband. I only get sixty percent. 1737 01:26:26.279 --> 01:26:28.640 I've got so many questions for you Dan here, So 1738 01:26:29.399 --> 01:26:33.000 like the first one is what kind of attorney is it? Someone? Uh, 1739 01:26:33.279 --> 01:26:36.920 isn't a state planner like yourself that would typically deal 1740 01:26:37.000 --> 01:26:39.479 with this? Or are we talking a different kind of 1741 01:26:39.479 --> 01:26:43.079 an attorney for you know, basically you're going after an 1742 01:26:43.079 --> 01:26:46.840 insurance company. I would assume at some point for bad faith. Yeah, 1743 01:26:46.880 --> 01:26:49.199 I mean, what what would you do here if you 1744 01:26:49.239 --> 01:26:50.079 were in her shoes? 1745 01:26:50.159 --> 01:26:52.319 Yeah, I would talk to an attorney who specializes in 1746 01:26:52.399 --> 01:26:55.399 denial claims from insurance companies. So, like I said, that 1747 01:26:55.439 --> 01:26:57.880 hasn't happened yet, But you're I mean, I think you 1748 01:26:57.880 --> 01:27:00.199 about points. I mean, the Point of Life insure is 1749 01:27:00.600 --> 01:27:03.520 supposed to get this money pretty quickly, right, I mean, 1750 01:27:04.039 --> 01:27:06.880 I I don't know where they draw the line between Okay, 1751 01:27:06.920 --> 01:27:09.199 is this a valid investigation or are we just dragging 1752 01:27:09.199 --> 01:27:11.159 our feet here to make you go away? 1753 01:27:11.279 --> 01:27:14.239 And from what she said that's on the death certificate, 1754 01:27:14.439 --> 01:27:17.479 would you agree that that would generally fall under that 1755 01:27:17.600 --> 01:27:20.479 accidental death policy and what actually happened? I mean, who 1756 01:27:21.319 --> 01:27:21.520 you know? 1757 01:27:21.720 --> 01:27:23.920 I mean death certificate is interesting that it's like you know, 1758 01:27:24.119 --> 01:27:25.239 that's yeah. 1759 01:27:25.039 --> 01:27:27.840 He was eating and he choked on a hamburger and died. Yeah, 1760 01:27:28.119 --> 01:27:30.600 that's an accent death. Yeah, he didn't die of cancer, 1761 01:27:30.720 --> 01:27:33.079 he didn't die well, what would you even say on 1762 01:27:33.119 --> 01:27:35.680 a heart attack of something like this, that would probably 1763 01:27:35.720 --> 01:27:41.000 be that probably wouldn't be accidental, right, Yeah, I mean 1764 01:27:41.000 --> 01:27:43.600 it is kind of nuts, but choking on a hamburger 1765 01:27:43.640 --> 01:27:46.840 seems to be about as accidental as he gets. Yeah, 1766 01:27:47.319 --> 01:27:50.239 go ahead, Tomitri Carrie. 1767 01:27:50.640 --> 01:27:53.279 In these requests for documents that you've been receiving from 1768 01:27:53.319 --> 01:27:56.439 the insurance company, are they asking any kind of questions 1769 01:27:56.439 --> 01:27:59.720 that might lead you to believe that they're looking for 1770 01:27:59.760 --> 01:28:02.000 some thing in particular? Like did you get any kind 1771 01:28:02.000 --> 01:28:04.760 of an insight on what they might suspect or what 1772 01:28:04.800 --> 01:28:08.000 their strategy is. Let's based on what they're asking for. 1773 01:28:08.000 --> 01:28:10.159 Let's kick it up a notch Dmitri and ask her, 1774 01:28:10.159 --> 01:28:12.039 I mean, did they think you killed him or something? 1775 01:28:12.079 --> 01:28:12.279 No? 1776 01:28:12.279 --> 01:28:14.800 No, I wasn't going there. But does it sound like 1777 01:28:14.840 --> 01:28:17.960 maybe they suspect some kind of an underlying health issue 1778 01:28:17.960 --> 01:28:21.640 that contributed to this? Can you glean anything from their 1779 01:28:21.680 --> 01:28:24.079 requests that might give you an insight into their line 1780 01:28:24.079 --> 01:28:24.439 of thought? 1781 01:28:25.880 --> 01:28:29.760 Not really? I mean initially it was Okay, we're trying 1782 01:28:29.760 --> 01:28:32.479 to get all the medical records. We went. We got 1783 01:28:32.479 --> 01:28:39.359 the the emergency room, we got the AMT medical report, 1784 01:28:39.520 --> 01:28:43.880 we have the deaths of the kit. We went to 1785 01:28:43.920 --> 01:28:45.920 the corner, we went to primary care. 1786 01:28:46.560 --> 01:28:47.680 Now we're going. 1787 01:28:47.600 --> 01:28:54.239 Back to further back in his history for more medical records. 1788 01:28:56.079 --> 01:28:59.239 That is there anything you couldn't think of in his 1789 01:28:59.479 --> 01:29:04.640 past that would red flag? I mean I can't because 1790 01:29:04.680 --> 01:29:09.039 he choked on a hamburger. I can't imagine what possibly 1791 01:29:09.520 --> 01:29:10.840 could have been in his past. 1792 01:29:11.079 --> 01:29:13.680 Yeah, why how far back do they want to look? 1793 01:29:13.960 --> 01:29:17.039 And do you have any idea what they're hoping to find? 1794 01:29:18.800 --> 01:29:21.760 Well, the only thing I'm thinking is that like back 1795 01:29:21.800 --> 01:29:28.359 in twenty twenty, he had a stroke which made it 1796 01:29:28.399 --> 01:29:32.479 a little bit difficult for him to swallow, but he 1797 01:29:32.520 --> 01:29:35.159 always passed all his swallow tests and. 1798 01:29:37.880 --> 01:29:41.880 He was Okay, Dan, do you think do you think. 1799 01:29:43.319 --> 01:29:46.399 Do you think this old stroke might be something that 1800 01:29:46.600 --> 01:29:48.720 the insurance company is going to try to cling to? 1801 01:29:53.800 --> 01:29:57.439 You know, why wouldn't they make it difficult? I guess 1802 01:29:57.640 --> 01:30:00.239 I would like to know what the policy says out 1803 01:30:00.239 --> 01:30:04.479 a time frame, and if if it says reasonable, I 1804 01:30:04.520 --> 01:30:08.640 mean I think the argument is maybe six months or something. 1805 01:30:09.199 --> 01:30:12.000 But I mean, this is this is getting pretty old. 1806 01:30:12.119 --> 01:30:14.960 Well, the point of life insurance policy is to provide 1807 01:30:15.000 --> 01:30:17.000 the survivors with money to live on. 1808 01:30:17.199 --> 01:30:20.239 Yeah, how are you living now, Sherry? Just out of curiosity, 1809 01:30:20.319 --> 01:30:22.039 I mean you still have the job? You said it 1810 01:30:22.079 --> 01:30:25.079 was your policy, right, No. 1811 01:30:25.239 --> 01:30:30.000 I'm still working. The unfortunate thing for me is that 1812 01:30:30.079 --> 01:30:33.640 my job in the next at the end of next month, 1813 01:30:34.239 --> 01:30:38.680 and so I'm really hoping to get this policy to 1814 01:30:38.840 --> 01:30:41.760 pay out so that I could pay off my house. 1815 01:30:41.920 --> 01:30:44.399 Hey, can we can you see if we can get 1816 01:30:44.439 --> 01:30:49.520 Marco Bendinelli Kelly, see if we can't get Bendonelly up, 1817 01:30:50.359 --> 01:30:56.640 hold on, Sherry. Now, Marco doesn't typically doesn't sue insurance 1818 01:30:56.680 --> 01:31:00.319 companies for bad faith, but I think he knows one 1819 01:31:00.359 --> 01:31:02.760 we might be able to get on because I would 1820 01:31:02.800 --> 01:31:05.880 love to look at that policy. In fact, Sherry, can 1821 01:31:05.880 --> 01:31:07.960 you send us over a copy of that policy? Do 1822 01:31:08.000 --> 01:31:12.680 you have it in a pdf? I do send that. 1823 01:31:12.840 --> 01:31:14.520 In fact, hold on, I'm going to have her pick 1824 01:31:14.600 --> 01:31:17.319 up here real quick and send it quick as you can, 1825 01:31:17.359 --> 01:31:19.800 because I'd love to look at that and send it 1826 01:31:19.840 --> 01:31:22.920 to a couple of attorneys and read it. Here. I'd 1827 01:31:22.960 --> 01:31:24.720 like Dan to see it too. I mean, aren't you 1828 01:31:24.800 --> 01:31:28.199 curious what how do most of these policies read dan 1829 01:31:28.640 --> 01:31:32.840 when it comes to timing, or they're just all so different. Yeah, 1830 01:31:32.880 --> 01:31:34.680 we'd have to see it. We'd have to see it. 1831 01:31:34.720 --> 01:31:37.439 I'd be curious what the timing is. And then what 1832 01:31:37.600 --> 01:31:40.520 is a proper investigation? I mean, my god, if to coroner, 1833 01:31:40.800 --> 01:31:43.840 if it's evident the guy choked on a hamburger, I 1834 01:31:43.880 --> 01:31:46.680 don't know what that could possibly have to do with 1835 01:31:46.720 --> 01:31:48.920 that stroke. I know she said there was a throat 1836 01:31:48.960 --> 01:31:52.279 problem there, but I would still say it's accidental as 1837 01:31:52.279 --> 01:31:52.840 it gets. 1838 01:31:53.000 --> 01:31:55.560 Actually, she didn't say there was a throat problem. She 1839 01:31:55.640 --> 01:32:00.279 said that he has passed the swallowing tests. So based 1840 01:32:00.279 --> 01:32:02.800 on what Sherry knows, he should not have had a 1841 01:32:02.800 --> 01:32:03.880 problem with swallowing. 1842 01:32:04.199 --> 01:32:06.439 Sherry, didn't you say there was some issue they were 1843 01:32:06.439 --> 01:32:08.680 looking at in his past about swallowing or not. 1844 01:32:10.840 --> 01:32:14.840 Well, that's my thought is that they're going they're going 1845 01:32:14.920 --> 01:32:17.359 to try to say this is a pre existing condition. 1846 01:32:18.000 --> 01:32:23.159 But my thought was, I understand if it were a 1847 01:32:23.199 --> 01:32:26.239 regular life insurance policy where they do like a whole 1848 01:32:26.279 --> 01:32:28.680 health back ground check on you and everything. This is 1849 01:32:28.720 --> 01:32:31.760 an accidental death policy. They don't ask for any of 1850 01:32:31.800 --> 01:32:32.399 that stuff. 1851 01:32:32.960 --> 01:32:34.640 Well, no, yeah, that's. 1852 01:32:34.560 --> 01:32:36.640 I don't understand why it's been making it so hard. 1853 01:32:37.520 --> 01:32:40.640 That's so curious to me. I'm trying to think of 1854 01:32:40.680 --> 01:32:47.439 anybody we know that sells these policies. I don't know anybody, 1855 01:32:48.239 --> 01:32:51.600 you know what. I wonder if John Over at Integra 1856 01:32:51.960 --> 01:32:56.960 sells these accidental death policies. I know he sells like 1857 01:32:57.039 --> 01:33:01.399 emergency policies. They only pay if you go into an 1858 01:33:01.479 --> 01:33:05.159 emergency room. Isn't that crazy? They don't pay for like 1859 01:33:05.239 --> 01:33:10.439 normal doctor's visits. They pay for emergencies, which is nuts. 1860 01:33:11.039 --> 01:33:12.640 Yeah, I've never heard of that. I thought your health 1861 01:33:12.640 --> 01:33:14.199 insurance pay for emergencies. 1862 01:33:14.359 --> 01:33:17.840 Well, if you have health insurance, it does. Yeah. But anyhow, 1863 01:33:17.840 --> 01:33:20.600 hold on, hold on, Oh, Brian Burns is up. Hey, 1864 01:33:20.880 --> 01:33:22.680 let me look at the time here. I got to 1865 01:33:22.720 --> 01:33:26.399 take this. Listen, Sherry, hold on a second, hold on, 1866 01:33:26.439 --> 01:33:28.760 hold on, hold on, Hey, Brian, I've got a couple 1867 01:33:28.880 --> 01:33:31.079 things for you, but I'm gonna be I got to 1868 01:33:31.119 --> 01:33:32.760 go to break real quick. But I want to ask 1869 01:33:32.800 --> 01:33:35.520 you some Do you guys sell any form of life 1870 01:33:35.520 --> 01:33:37.720 insurance or you know nothing about them? 1871 01:33:38.199 --> 01:33:38.399 No? 1872 01:33:38.479 --> 01:33:41.079 I know something about I have someone in the office 1873 01:33:41.079 --> 01:33:43.039 that deals with life insurance, but I could probably answer 1874 01:33:43.079 --> 01:33:43.479 the question. 1875 01:33:43.680 --> 01:33:46.600 Okay, hold on, hold on, I've got two for you man. 1876 01:33:46.920 --> 01:33:50.239 We've got Allison, she's got an HOA issue, and then 1877 01:33:50.279 --> 01:33:53.520 we've got Sherry that's having problems getting paid on an 1878 01:33:53.640 --> 01:33:58.359 accidental death policy. I want your reaction to both after this. 1879 01:34:04.560 --> 01:34:07.800 Go with a sure thing Denver's Best roofer Excel Roofing 1880 01:34:07.920 --> 01:34:10.560 dot com. You don't pay a cent until you're content 1881 01:34:11.479 --> 01:34:16.399 than time for an insurance check up free, no obligation. 1882 01:34:16.439 --> 01:34:20.239 In comparison, call Compass Insurance. Pay too much your coverage 1883 01:34:20.279 --> 01:34:22.960 at dozens of insurance companies find out now three oh 1884 01:34:23.000 --> 01:34:24.119 three seven to seven to one. 1885 01:34:24.239 --> 01:34:24.520 Help. 1886 01:34:24.680 --> 01:34:27.319 You'll think you're his only customer when you choose Frank 1887 01:34:27.359 --> 01:34:29.840 durand the real estate Man dot com to list your 1888 01:34:29.840 --> 01:34:33.039 home with Remax Alliance three oh three nine two zero 1889 01:34:33.119 --> 01:34:35.399 sixteen twenty two. 1890 01:34:35.920 --> 01:34:38.760 All right, we are having quite the conversation here three 1891 01:34:38.840 --> 01:34:40.840 oh three seven one three eight two five to five. 1892 01:34:41.079 --> 01:34:43.960 I'm going to bring up my expert, Brian Burns. Brian, 1893 01:34:43.960 --> 01:34:46.720 I've got you up for a couple of reasons. Do 1894 01:34:46.840 --> 01:34:49.560 I got you there? Brian? Yep, I'm here so I 1895 01:34:50.000 --> 01:34:52.039 want to ask you something in general that came up. 1896 01:34:52.039 --> 01:34:54.920 People that listen on YouTube, as you know, Brian, they 1897 01:34:54.960 --> 01:34:59.239 hear the behind sascenes conversation. We were having this conversation 1898 01:34:59.760 --> 01:35:04.600 to Metri myself, Dan McKenzie just during the break in general, 1899 01:35:04.800 --> 01:35:08.159 and I use this example, if I tell my homeowners, 1900 01:35:08.159 --> 01:35:10.359 then we'll get to then we're going to get to 1901 01:35:10.399 --> 01:35:14.079 these two specific questions. But if I tell my homeowners 1902 01:35:14.119 --> 01:35:19.600 whoever it is, I don't have a Rottweiler or don't 1903 01:35:19.600 --> 01:35:22.840 have a Doberman or some kind of dog that they 1904 01:35:22.920 --> 01:35:26.119 won't cover, and I actually do have one, are we 1905 01:35:26.199 --> 01:35:29.680 on the same page? Yep, and my house catches on 1906 01:35:29.800 --> 01:35:34.520 fire two years later, I still have the dog, had 1907 01:35:34.520 --> 01:35:37.399 the dog before I got the policy, lied about it, 1908 01:35:37.680 --> 01:35:41.560 and had the same policy two years later. Are they 1909 01:35:41.600 --> 01:35:42.800 going to rebuild my house? 1910 01:35:43.600 --> 01:35:45.399 Yes, it won't have anything to do with it. The 1911 01:35:45.680 --> 01:35:49.199 reason that could come into play is if that dog 1912 01:35:49.279 --> 01:35:52.920 bit somebody and then you were getting sued because of that, 1913 01:35:52.920 --> 01:35:56.079 that would be a material misrepresentation on the policy at 1914 01:35:56.079 --> 01:35:59.600 that point, and the loss is a direct result of 1915 01:35:59.600 --> 01:36:00.840 that new representation. 1916 01:36:01.079 --> 01:36:04.319 And the reason the reason would be what I would 1917 01:36:04.359 --> 01:36:08.680 consider the public interest. If if an insurance company could 1918 01:36:08.800 --> 01:36:12.159 deny that fire claim due to that dog. Can you 1919 01:36:12.279 --> 01:36:15.600 imagine no, can you imagine that loopholes? 1920 01:36:16.279 --> 01:36:16.640 Yes? 1921 01:36:16.880 --> 01:36:19.720 No, No one would have covered Yep. 1922 01:36:20.239 --> 01:36:23.000 No, not only that. Think about people with mortgages. Most 1923 01:36:23.000 --> 01:36:25.880 of us think about having a mortgage. That happens. Now 1924 01:36:25.960 --> 01:36:28.239 you still have a mortgage. You're not paying for the fire, 1925 01:36:28.479 --> 01:36:30.920 all because you lied about a Doberman that had nothing 1926 01:36:30.920 --> 01:36:31.720 to do with anything. 1927 01:36:31.840 --> 01:36:35.439 Right, it would be incredible that that would not happen. 1928 01:36:35.560 --> 01:36:39.119 Now I want to and that's with any carrier. Now 1929 01:36:39.319 --> 01:36:42.800 I want to bring that into Sherry's question. It's similar 1930 01:36:42.880 --> 01:36:47.920 but different. I call it the biggest, best, greatest analogy ever. 1931 01:36:48.359 --> 01:36:51.880 Dmitri didn't like it as an analogy, but I think 1932 01:36:52.680 --> 01:36:58.720 here's Sherry's circumstance. At her work, they offer an accidental 1933 01:36:58.760 --> 01:37:03.359 death policy. She bought an accidental death policy or decided 1934 01:37:03.399 --> 01:37:05.880 to start paying for that out of her paycheck. She 1935 01:37:06.000 --> 01:37:09.279 could add on her spouse, her husband as well. The 1936 01:37:09.439 --> 01:37:12.319 husband would only pay out if he passed, which he 1937 01:37:12.439 --> 01:37:16.560 did sixty percent if she passed. Of course, the one 1938 01:37:16.640 --> 01:37:19.239 hundred percent, and we're talking about a half a million 1939 01:37:19.279 --> 01:37:24.359 dollar policy, but the math really doesn't matter. The husband 1940 01:37:24.439 --> 01:37:27.520 who died six seven months ago, is that about right? Guys? 1941 01:37:27.960 --> 01:37:32.119 Somewhere in there, they're still holding it up. Originally on 1942 01:37:32.239 --> 01:37:37.479 the death certificate it wasn't accidental, but the coroners went 1943 01:37:37.560 --> 01:37:41.800 back since and changed it to accidental death. Okay, basically, 1944 01:37:41.840 --> 01:37:44.000 you choked on a hamburger. That's the bottom line. He 1945 01:37:44.119 --> 01:37:47.159 literally choked on a hamburger and died. He was brain dead. 1946 01:37:47.199 --> 01:37:49.640 They had to pull the plug on him. They actually 1947 01:37:49.680 --> 01:37:52.800 brought him back after thirty minutes, but it was too late. 1948 01:37:52.920 --> 01:37:56.439 No activity, and that was that he died from literally 1949 01:37:56.520 --> 01:37:59.640 choking on a hamburger. And that is what the coroner 1950 01:37:59.760 --> 01:38:04.640 chanted to. Now the company, the company, and we're not 1951 01:38:04.760 --> 01:38:08.520 sure of this. This is her suspicion because it's taken 1952 01:38:08.600 --> 01:38:10.880 so long, and our attorney that deals with these kind 1953 01:38:10.920 --> 01:38:13.359 of plans all the time, Dan mackenzie, is like, this 1954 01:38:13.560 --> 01:38:16.359 is taking a very long time. Typically, the reason you 1955 01:38:16.479 --> 01:38:19.600 have life insurance or this kind of policy is so 1956 01:38:20.520 --> 01:38:23.600 whoever remains can live and eat and pay the rent 1957 01:38:23.640 --> 01:38:26.800 and do all that stuff. So six months is getting nuts. 1958 01:38:27.359 --> 01:38:30.600 But they're going back and once again we're not sure 1959 01:38:30.640 --> 01:38:33.279 they're saying this, but I'm gonna let Sherry. Let me 1960 01:38:33.319 --> 01:38:37.119 lock in. Sherry, you're under the impression they might. They 1961 01:38:37.159 --> 01:38:40.119 went back and looked at medical records Brian, and he 1962 01:38:40.239 --> 01:38:42.199 had a stroke. When did he have a stroke? 1963 01:38:42.239 --> 01:38:46.119 Sherry, twenty twenty. 1964 01:38:44.840 --> 01:38:51.039 In twenty twenty, and so they're thinking that possibly this stroke. 1965 01:38:51.279 --> 01:38:53.720 And let me ask you something, Sherry that Dmitri brought 1966 01:38:53.800 --> 01:38:57.239 up when you filled out your husband to be on 1967 01:38:57.319 --> 01:39:00.920 this as well. Does it ask you a question? Have 1968 01:39:01.000 --> 01:39:02.680 you ever had a heart attack? Have you ever had 1969 01:39:02.720 --> 01:39:05.319 a stroke, have you ever had a brain aneurysm? Does 1970 01:39:05.359 --> 01:39:06.600 it ask anything like that? 1971 01:39:08.199 --> 01:39:08.239 No? 1972 01:39:08.760 --> 01:39:12.960 Okay, I didn't think so. So then then, Brian, can 1973 01:39:13.000 --> 01:39:16.000 they go back on this accidental death policy? Right now? 1974 01:39:16.039 --> 01:39:19.520 The death certificate, according to Sherry, literally says accidental death 1975 01:39:19.600 --> 01:39:22.560 joked on a hamburger. Can they go back and argue 1976 01:39:22.680 --> 01:39:25.920 anytime you've ever seen because he had a stroke five 1977 01:39:26.000 --> 01:39:29.000 years ago, that that could have affected his throat and 1978 01:39:29.039 --> 01:39:31.640 if he didn't have this stroke, he wouldn't have choked 1979 01:39:31.680 --> 01:39:32.439 on the hamburger. 1980 01:39:32.960 --> 01:39:35.600 I don't think they would win that argument. Can they 1981 01:39:35.640 --> 01:39:37.720 try to do it? I guess so. I hate to 1982 01:39:37.800 --> 01:39:44.039 a dance policies because they're unlike life insurance policies. There's 1983 01:39:44.079 --> 01:39:47.479 too many loopholes on what is there's exclusions, whereas on 1984 01:39:47.520 --> 01:39:50.520 a life policy there's not exclusions other than for the 1985 01:39:50.520 --> 01:39:53.119 first whatever year or two you can't you know, suicide 1986 01:39:53.199 --> 01:39:56.960 is a I think it's twelve months is suicide not covered? 1987 01:39:57.000 --> 01:40:00.319 But other than that, after that that window they cover 1988 01:40:00.520 --> 01:40:04.199 any kind of death, whereas an accidental death it's much cheaper, understandably, 1989 01:40:04.760 --> 01:40:08.000 but there's a lot of exclusions, and it's this kind 1990 01:40:08.039 --> 01:40:10.560 of thing that can come into play where well, wasn't 1991 01:40:10.600 --> 01:40:14.520 an accident or was this caused by a natural consequence 1992 01:40:14.600 --> 01:40:17.680 or an illness or some kind of natural cause. So 1993 01:40:17.800 --> 01:40:19.680 they can try to make the case, but I don't 1994 01:40:19.680 --> 01:40:20.720 think they would win off of that. 1995 01:40:20.760 --> 01:40:23.319 All right, Brian, That's what I wanted to hear from you. Now, 1996 01:40:23.319 --> 01:40:27.039 hold on, Sherry, because I have got another expert I'm 1997 01:40:27.039 --> 01:40:28.760 going to bring up, but I got to take the break, 1998 01:40:28.760 --> 01:40:32.279 and I've got Marco Bendinelli, an attorney, and Marco, I'm 1999 01:40:32.319 --> 01:40:35.399 just prepping you right now. Basically, we have an insurance 2000 01:40:35.439 --> 01:40:39.600 company half a million dollar policy accidental death. And I'm 2001 01:40:39.640 --> 01:40:42.760 saying this for Marco's sake, and the bottom line Marco 2002 01:40:43.359 --> 01:40:46.399 is they haven't paid out in about six months. They 2003 01:40:46.439 --> 01:40:49.560 haven't denied the claim I don't know, I don't know 2004 01:40:49.560 --> 01:40:52.520 where this poor woman goes now, but the death certificate 2005 01:40:53.039 --> 01:40:57.319 literally says accidental death. The guy choked on a hamburger. 2006 01:40:57.479 --> 01:40:59.079 We're going to get to the bottom of this with 2007 01:40:59.239 --> 01:41:02.520 Marco and Brian. Brian, I'm hoping you can stay on 2008 01:41:02.640 --> 01:41:06.319 because Alison also asks a question on HOA. I'm just 2009 01:41:06.399 --> 01:41:08.640 running out of time, but please we can call you back. 2010 01:41:08.760 --> 01:41:09.920 Kelly figured out. 2011 01:41:13.039 --> 01:41:16.279 Go with a sure thing Denver's best roofer Excel Roofing 2012 01:41:16.399 --> 01:41:17.000 dot com. 2013 01:41:17.039 --> 01:41:19.039 You don't pay a cent until you're content. 2014 01:41:20.640 --> 01:41:24.880 Please time for an insurance check up free, no obligation 2015 01:41:25.000 --> 01:41:28.880 comparison call Compass Insurance paying too much your coverage at 2016 01:41:28.920 --> 01:41:31.680 dozens of insurance companies find out now three oh three 2017 01:41:31.800 --> 01:41:34.399 seven seven to one help. You'll think you're his only 2018 01:41:34.479 --> 01:41:36.960 customer when you choose Frank durand the real estate Man 2019 01:41:37.000 --> 01:41:40.399 dot com to list your home with Remax Alliance three 2020 01:41:40.479 --> 01:41:42.720 oh three nine two zero sixteen twenty two. 2021 01:41:48.159 --> 01:41:57.560 Ripped News so you don't have run anxious ass as 2022 01:41:57.640 --> 01:42:03.760 we can shoot us. Want to help? Come man, this is. 2023 01:42:03.720 --> 01:42:05.039 The Troubleshooter Show. 2024 01:42:05.640 --> 01:42:09.399 No Tom Martinez, Welcome my friends to the only show 2025 01:42:09.800 --> 01:42:10.319 of its kind. 2026 01:42:10.359 --> 01:42:13.560 We're here to solve problems, answer questions, take complaints. We're 2027 01:42:13.600 --> 01:42:15.760 here to educate you. We're here to make your life 2028 01:42:15.800 --> 01:42:18.720 a little bit better. Bottom line, you've been ripped off 2029 01:42:18.800 --> 01:42:20.840 or taking advantage of, or need help from one of 2030 01:42:20.840 --> 01:42:23.880 our attorneys. The phone numbers easy three oh three, seven, 2031 01:42:23.960 --> 01:42:26.560 one three eight two five five in studio with me 2032 01:42:26.680 --> 01:42:30.479 Attorney Dan McKenzie. He's an estate planner. Any questions you 2033 01:42:30.560 --> 01:42:33.520 have for Dan. Maybe you have a question like should 2034 01:42:33.560 --> 01:42:34.960 I get a trust? Should I get a will you 2035 01:42:35.000 --> 01:42:37.680 get the idea? But any questions, maybe you need to 2036 01:42:37.800 --> 01:42:41.199 just understand probate. Do I have to open probate? There's 2037 01:42:41.319 --> 01:42:44.520 different things. All of our experts are here for. Right now, 2038 01:42:44.520 --> 01:42:48.479 I've got Marco Bendinelli, an attorney who's on our hotline, 2039 01:42:48.800 --> 01:42:52.439 and he's called in or actually we reached out to Marco. Marco. 2040 01:42:52.800 --> 01:42:55.239 I'm going to recap really quick for everybody that just 2041 01:42:55.359 --> 01:43:00.359 joined us. But here's the bottom line. Sherry has a 2042 01:43:00.359 --> 01:43:05.560 accidental death policy. And on the accidental death policy, basically 2043 01:43:05.600 --> 01:43:08.439 it was given to her by her work. I assume 2044 01:43:08.600 --> 01:43:12.039 she basically if it's like my sons who works for Walmart, 2045 01:43:12.079 --> 01:43:14.840 you basically go into the portal and you just opt 2046 01:43:14.920 --> 01:43:16.880 in and they start taking it out of the check. 2047 01:43:17.119 --> 01:43:20.359 But Sherry, did you fill out any paperwork on this 2048 01:43:20.520 --> 01:43:23.960 accidental death policy at all for you or your husband? 2049 01:43:26.399 --> 01:43:28.319 You mean it's initially when I signed up? 2050 01:43:28.399 --> 01:43:30.479 Yeah, when you signed up? In other words, was there 2051 01:43:30.520 --> 01:43:33.520 any questionnaires about health or anything like that. 2052 01:43:36.600 --> 01:43:39.439 I don't know. I don't think so. 2053 01:43:39.439 --> 01:43:39.560 So. 2054 01:43:39.720 --> 01:43:42.239 But and you pay, and you basically pay monthly out 2055 01:43:42.239 --> 01:43:47.119 of your paycheck through your company, Yeah, every pay period. So, Marco, 2056 01:43:47.199 --> 01:43:51.319 here's the deal. What happened was, at first, what did 2057 01:43:51.319 --> 01:43:53.239 they put on the death certificate at Sherry? 2058 01:43:53.279 --> 01:43:56.920 At first natural causes? 2059 01:43:57.039 --> 01:44:01.479 They put natural causes, which we can all understand that's 2060 01:44:01.520 --> 01:44:05.520 not an accidental death. Then as he started digging into 2061 01:44:05.600 --> 01:44:08.920 it and talking to everybody that had to do with 2062 01:44:08.960 --> 01:44:12.039 it at the hospital and the ambulance and everybody, they 2063 01:44:12.159 --> 01:44:15.359 changed the death certificate to accidental death. 2064 01:44:16.159 --> 01:44:18.039 What I knew, I know. 2065 01:44:18.479 --> 01:44:19.279 But who is they? 2066 01:44:19.760 --> 01:44:21.159 Yeah? What company is it? 2067 01:44:21.359 --> 01:44:25.479 The attending doctor, the attending doctor for the doctor? 2068 01:44:25.520 --> 01:44:29.600 Okay, so the coroner, the medical examiner. 2069 01:44:31.239 --> 01:44:32.399 Are you in Colorado? 2070 01:44:33.920 --> 01:44:36.479 Yeah, we're in Colorado, Spring. 2071 01:44:37.920 --> 01:44:38.399 So so. 2072 01:44:38.600 --> 01:44:41.239 But I mean only the coroner and the medical examiner 2073 01:44:41.279 --> 01:44:43.880 can change cause of death on the death certificate, right, 2074 01:44:43.920 --> 01:44:52.760 and they did. Yeah, So when did you ever submit 2075 01:44:52.960 --> 01:44:58.319 the first death certificate to the UH insurance company? 2076 01:44:58.319 --> 01:44:59.039 That good question. 2077 01:45:00.520 --> 01:45:01.319 No I did not. 2078 01:45:02.920 --> 01:45:06.479 So the only one that they've ever received said accidental death. 2079 01:45:08.079 --> 01:45:08.880 Correct. 2080 01:45:09.159 --> 01:45:12.119 And he had a stroke, and we don't know this. 2081 01:45:12.279 --> 01:45:15.119 They've never gave her a denial, Marco. But they've been 2082 01:45:15.159 --> 01:45:17.399 dragging their heels for a hell of a long time. 2083 01:45:17.640 --> 01:45:21.760 He died last year, like in August. They just been dragging. 2084 01:45:22.319 --> 01:45:24.880 The stroke was five years ago, by the way. Yeah, 2085 01:45:24.920 --> 01:45:27.199 he had a stroke five years ago, So they want 2086 01:45:27.279 --> 01:45:30.479 to see all of his medical records and Sherry's sinking 2087 01:45:30.600 --> 01:45:34.359 possibly because he had a stroke five years ago, they 2088 01:45:34.439 --> 01:45:37.880 might say that could have messed up his swallowing and 2089 01:45:37.960 --> 01:45:42.600 therefore the stroke actually created him choking on a hamburger, which, 2090 01:45:42.640 --> 01:45:45.119 by the way, is what's on the death certificate now, 2091 01:45:45.399 --> 01:45:47.680 accidental death choking on a hamburger. 2092 01:45:48.720 --> 01:45:52.399 Yeah, well, Cherry, you need to call me because you know, 2093 01:45:53.119 --> 01:45:55.199 not only am I going to get them to pay 2094 01:45:55.239 --> 01:46:00.439 this claim, you know, there's a vision of inshorts regulations 2095 01:46:00.760 --> 01:46:04.920 that they it seems like they've already violated, which isn't 2096 01:46:04.920 --> 01:46:05.680 that uncommon? 2097 01:46:06.319 --> 01:46:10.800 UH? And you know, we can get we can get. 2098 01:46:10.640 --> 01:46:12.800 More damages than the policy amount. 2099 01:46:13.319 --> 01:46:16.520 How does that work? Marco? If is this basically a 2100 01:46:16.600 --> 01:46:17.600 bad faith claim? 2101 01:46:18.880 --> 01:46:19.319 It is? 2102 01:46:19.439 --> 01:46:22.600 Mark, And I'll tell you what, Cherry, you need to 2103 01:46:22.600 --> 01:46:26.159 call me because I love your case. 2104 01:46:26.279 --> 01:46:29.279 You can get trouble damages. You can get attorneys fees 2105 01:46:29.319 --> 01:46:32.319 as well, right, Marco, that's correct. 2106 01:46:33.439 --> 01:46:37.279 Yep, you get the UH. And it's due to it's 2107 01:46:37.439 --> 01:46:38.000 due you know. 2108 01:46:38.479 --> 01:46:42.520 And I've taught on this. I've taught other lawyers on this, 2109 01:46:43.159 --> 01:46:47.680 Mark and Sherry, I guess you know. So there is 2110 01:46:47.880 --> 01:46:54.239 a statute in Colorado that if you if the insurance carrier. 2111 01:46:54.399 --> 01:47:03.520 Either unreasonably delays or unreasonably denies the claim a claim uh, 2112 01:47:03.880 --> 01:47:06.600 then you know, then you could be. 2113 01:47:06.720 --> 01:47:11.039 Entitled to all of the damages that Mark just reference. 2114 01:47:11.680 --> 01:47:13.960 And Marco, when we talk about I have asked one 2115 01:47:14.039 --> 01:47:17.600 hundred attorneys this question, not just about what we're talking 2116 01:47:17.600 --> 01:47:23.000 about now, but there's the Lemon law in Colorado uses 2117 01:47:23.079 --> 01:47:26.239 this term too. And the term that you mentioned is 2118 01:47:26.399 --> 01:47:29.239 reasonably what what is reasonable? 2119 01:47:29.319 --> 01:47:29.640 That is? 2120 01:47:29.680 --> 01:47:29.800 So? 2121 01:47:30.439 --> 01:47:32.640 What is the argument? How do you get to that 2122 01:47:32.760 --> 01:47:35.760 point where you say this is no longer reasonable? 2123 01:47:36.800 --> 01:47:37.000 Right? 2124 01:47:37.119 --> 01:47:37.279 Right? 2125 01:47:37.399 --> 01:47:41.840 So you know I've done sophisticated arguments on this, and 2126 01:47:42.119 --> 01:47:48.079 really you use a combination of uh, you know, case law, 2127 01:47:48.199 --> 01:47:55.159 case president and uh several of the. 2128 01:47:53.720 --> 01:47:55.720 The vision of insurance regulations. 2129 01:47:55.880 --> 01:47:58.000 And you know, I used to work for insurance companies, 2130 01:47:58.359 --> 01:47:59.199 so I know the. 2131 01:47:59.199 --> 01:48:03.880 REGs and and you know they've got to have They 2132 01:48:04.000 --> 01:48:08.279 been sending you letters every thirty days saying that they're investigating, 2133 01:48:08.520 --> 01:48:09.960 continue to investigate. 2134 01:48:11.760 --> 01:48:15.199 Yeah, yes they have. The last letter I got so 2135 01:48:16.079 --> 01:48:18.319 it was a little bit later than the thirty days, 2136 01:48:18.359 --> 01:48:19.800 I think it was like a month and a half, 2137 01:48:20.000 --> 01:48:22.000 and I had to ask what was going on, but 2138 01:48:22.039 --> 01:48:29.359 they said that their intern internal doctor was reviewing the records. 2139 01:48:29.680 --> 01:48:33.840 Yeah, you know what I would say, that's unreasonable, Cherry. 2140 01:48:33.840 --> 01:48:36.079 You got to call we are You got to call 2141 01:48:36.159 --> 01:48:39.279 Marco off the air and just have a real conversation. 2142 01:48:39.560 --> 01:48:42.279 Send him over. In fact, if you did, you already 2143 01:48:42.279 --> 01:48:43.880 send us a copy of the policy. 2144 01:48:45.439 --> 01:48:48.760 I did, Thence, Yeah. 2145 01:48:48.640 --> 01:48:50.520 Yeah, I'm going to send that. I'll send that to 2146 01:48:50.600 --> 01:48:53.119 Marco so he has it, and then you need to 2147 01:48:53.159 --> 01:48:54.800 call him up. I'll get you. 2148 01:48:55.079 --> 01:48:56.439 Are you okay with that, Shary? 2149 01:48:56.520 --> 01:49:01.119 You okay with them sending me the copy of the policy. Yeah, 2150 01:49:01.119 --> 01:49:05.479 that's fine, Okay, Okay, yeah, Erry, we'll get him. 2151 01:49:06.039 --> 01:49:09.840 Okay, No, I like it. You know, That's what I've 2152 01:49:09.840 --> 01:49:12.560 always liked about Marco. He's straight up like that, Sherry, 2153 01:49:12.560 --> 01:49:15.359 I'm gonna put you on hold, hold tight, and then 2154 01:49:15.439 --> 01:49:19.560 Kelly's gonna send that. But Marco Bendinelli, I remember years 2155 01:49:19.560 --> 01:49:22.600 ago when we first met. I mean we're going back 2156 01:49:22.640 --> 01:49:26.039 ten years. I think it was that year you were 2157 01:49:26.079 --> 01:49:31.720 the first attorney in Colorado to get three Well, you're 2158 01:49:31.720 --> 01:49:33.439 going to know the answer to this. It was you. 2159 01:49:33.520 --> 01:49:38.159 But what was it? Three back to back million dollars? 2160 01:49:38.880 --> 01:49:42.520 They weren't settlements, they were actually wins in court. What 2161 01:49:42.600 --> 01:49:48.800 was that? Oh? I almost use the s word, Marca. 2162 01:49:48.800 --> 01:49:49.479 What was that? 2163 01:49:51.359 --> 01:49:53.720 The I'm the only lawyer in the history of. 2164 01:49:53.720 --> 01:49:56.640 The state that ever has gotten. 2165 01:49:56.359 --> 01:50:03.439 Two seven figure jury verd her settlement's jury verdicts within thirty. 2166 01:50:03.199 --> 01:50:04.239 Days of one another. 2167 01:50:04.600 --> 01:50:04.880 Wow. 2168 01:50:04.960 --> 01:50:07.359 That rid two cases, you know, and. 2169 01:50:07.279 --> 01:50:08.680 They were really close together. 2170 01:50:09.319 --> 01:50:11.640 And each one of them had like a seventy five 2171 01:50:11.680 --> 01:50:15.680 thousand dollars offer and I've got and I got verdict 2172 01:50:15.760 --> 01:50:18.000 of seven figures on each one of them cases. 2173 01:50:18.079 --> 01:50:19.760 You know, I want to bring this one up. This 2174 01:50:19.800 --> 01:50:21.680 one was so intriguing to me. I don't know how 2175 01:50:21.720 --> 01:50:24.880 long ago this was, but a guy rented a truck. Guys, 2176 01:50:25.279 --> 01:50:27.880 you know one of these, I don't know if it 2177 01:50:27.920 --> 01:50:29.920 was rider or U haul, but a truck like that 2178 01:50:29.960 --> 01:50:32.600 where you move stuff or whatever. And it had a 2179 01:50:32.680 --> 01:50:35.640 pull out ramp. So you pull this ramp out so 2180 01:50:35.720 --> 01:50:38.359 you can use the dolly to load stuff into the truck. 2181 01:50:39.199 --> 01:50:43.760 The hooks at the end of the ladder failed, so 2182 01:50:43.880 --> 01:50:48.439 the person pulling this big, heavy aluminum ramp out gets 2183 01:50:48.479 --> 01:50:51.039 basically crushed by this thing. He didn't die, but I 2184 01:50:51.079 --> 01:50:54.239 mean big injuries. And how much did they offer that 2185 01:50:54.239 --> 01:50:55.359 guy at first? Marco? 2186 01:50:56.800 --> 01:50:59.880 Well, they went from fifty thousand to eighties. 2187 01:51:00.560 --> 01:51:03.760 Yeah, fifty to eighty thousand. Then you got involved. How 2188 01:51:03.840 --> 01:51:05.039 much did you get? 2189 01:51:06.079 --> 01:51:08.159 I tried that case and I got over a three 2190 01:51:08.199 --> 01:51:11.119 million dollar verdict done in Denver District Court. 2191 01:51:11.640 --> 01:51:18.039 Three million dollars Marco. That's unbelievable. Hey, keep us as 2192 01:51:18.119 --> 01:51:20.720 long as Sherry's good with it. If she retains, you 2193 01:51:21.279 --> 01:51:23.359 keep us a bressed on this one as much as 2194 01:51:23.359 --> 01:51:23.800 you can. 2195 01:51:24.920 --> 01:51:25.239 I will. 2196 01:51:25.279 --> 01:51:26.600 I'm looking forward to helping her. 2197 01:51:26.680 --> 01:51:29.199 Mark. Yeah, I'm telling you these I'm sick and tired 2198 01:51:29.239 --> 01:51:32.640 of insurance companies. Man, all of them. I don't care 2199 01:51:32.680 --> 01:51:35.720 who they are. But if I have a contractual agreement 2200 01:51:35.800 --> 01:51:38.760 with an insurance company and they don't want to pay me, 2201 01:51:39.319 --> 01:51:41.520 you need a good attorney to go after them, because 2202 01:51:41.520 --> 01:51:44.439 there's really nothing else you can do, like poor Sherry 2203 01:51:44.560 --> 01:51:48.079 just sitting around waiting forever. By the way, Marco Bendinelli 2204 01:51:48.199 --> 01:51:52.840 three to oh three nine four zero eighty eight hundred, Hey, Marco, 2205 01:51:52.920 --> 01:51:55.039 do you have the three to zero? What don't you have? 2206 01:51:55.079 --> 01:51:56.119 Eight hundred attorneys? 2207 01:51:56.159 --> 01:51:56.439 Still? 2208 01:51:57.319 --> 01:51:57.520 Yeah? 2209 01:51:57.560 --> 01:51:57.760 Yeah? 2210 01:51:57.800 --> 01:52:00.640 Yeah, First of all, it's nine four z row ninety 2211 01:52:00.720 --> 01:52:01.720 nine hundred yep. 2212 01:52:02.520 --> 01:52:04.359 Or what though? What's your other one? 2213 01:52:04.640 --> 01:52:08.159 But but we we we own one eight hundred attorney, yeah, 2214 01:52:08.159 --> 01:52:10.079 one hundred attorney. 2215 01:52:10.199 --> 01:52:13.680 Yeah, simple as that, and you'll get us all right. 2216 01:52:13.720 --> 01:52:16.000 And do you guys do workmen's comp to Marco? You 2217 01:52:16.079 --> 01:52:17.560 still got someone down there? Good at that? 2218 01:52:18.800 --> 01:52:19.239 We do. 2219 01:52:19.479 --> 01:52:24.960 I love it work pomps all all injuries, yep, all accidents, 2220 01:52:25.319 --> 01:52:29.439 got it products liability in Schoran's bad faith that which 2221 01:52:29.520 --> 01:52:30.680 is my favorite thing to do. 2222 01:52:30.680 --> 01:52:32.880 In chorte bad because you're sticking it to the man. 2223 01:52:34.199 --> 01:52:37.279 And you know what, and I used to work for him. 2224 01:52:37.399 --> 01:52:40.119 Yeah, I don't know how I slept with myself. 2225 01:52:41.760 --> 01:52:44.039 Boy, that's a vision I never want to have again. 2226 01:52:44.119 --> 01:52:47.319 Three oh three nine four zero ninety nine hundred or 2227 01:52:47.319 --> 01:52:50.399 why am I even saying that? Eight hundred attorney? I mean, 2228 01:52:50.439 --> 01:52:53.039 you can't get any easier than that. Thank you, Marco. 2229 01:52:53.079 --> 01:52:54.600 We got to take a break, I got to get 2230 01:52:54.600 --> 01:52:57.159 caught up and Kelly, let's get Brian back on for 2231 01:52:57.199 --> 01:52:58.119 that HOA. 2232 01:53:04.000 --> 01:53:07.279 Go with a sure thing Denver's best roofer Excel Roofing 2233 01:53:07.359 --> 01:53:07.960 dot com. 2234 01:53:08.000 --> 01:53:10.039 You don't pay a cent until you're content. 2235 01:53:13.399 --> 01:53:16.600 Time for an insurance check up free no obligation comparison 2236 01:53:16.720 --> 01:53:20.279 call Compass Insurance paying too much your coverage at dozens 2237 01:53:20.279 --> 01:53:23.039 of insurance companies find out now three oh three seven 2238 01:53:23.000 --> 01:53:25.359 to seven to one help. You'll think you're his only 2239 01:53:25.479 --> 01:53:27.920 customer when you choose Frank durand the real estate Man 2240 01:53:28.000 --> 01:53:31.439 dot com to list your home with Remax Alliance three 2241 01:53:31.439 --> 01:53:33.560 oh three nine two zero sixteen twenty two. 2242 01:53:36.239 --> 01:53:38.479 All right, three oh three seven one three eight two 2243 01:53:38.600 --> 01:53:41.119 five five. By the way, we're gonna be talking to 2244 01:53:41.199 --> 01:53:45.359 Dan McKenzie Dmitri. We have this game we call it's 2245 01:53:45.399 --> 01:53:48.479 not really stumpy attorney, but it's asked the attorney and 2246 01:53:48.640 --> 01:53:50.920 get questions answered. And I love it, but we'll call 2247 01:53:50.960 --> 01:53:54.039 it Stump the attorney. So Dragon, have that wonderful music 2248 01:53:54.159 --> 01:53:56.000 ready for me? All right? You know what music I'm 2249 01:53:56.000 --> 01:53:56.600 talking about? 2250 01:53:58.239 --> 01:53:58.600 Dude? 2251 01:53:58.680 --> 01:53:59.560 You do too? 2252 01:54:00.319 --> 01:54:00.520 Hey? 2253 01:54:00.640 --> 01:54:00.880 Is it? 2254 01:54:01.560 --> 01:54:02.000 Yeah? 2255 01:54:02.159 --> 01:54:02.880 Is it just me? 2256 01:54:03.760 --> 01:54:03.840 Or? 2257 01:54:05.399 --> 01:54:08.199 Okay? I got to ask this question. I don't know 2258 01:54:08.239 --> 01:54:10.119 who watches Jeopardy here? Anybody? 2259 01:54:10.560 --> 01:54:10.760 Dan? 2260 01:54:10.840 --> 01:54:14.119 Do you watch Jeopardy? I have watched Jeopardy. I don't 2261 01:54:14.720 --> 01:54:17.319 not a current watcher. I don't like the new host. 2262 01:54:17.439 --> 01:54:21.079 I'm sorry. I just simply don't like him. He's you know, 2263 01:54:21.279 --> 01:54:24.000 I just don't like him. Am I the only one? 2264 01:54:24.079 --> 01:54:26.439 Or do people like the new host? I like the 2265 01:54:26.520 --> 01:54:30.600 girl that was doing it from the Big Bang Theory, 2266 01:54:30.600 --> 01:54:32.640 the Big Bang Theory. I liked her a lot. I 2267 01:54:32.920 --> 01:54:35.119 don't know why what's his face got the gig? I 2268 01:54:35.199 --> 01:54:35.640 just don't. 2269 01:54:35.880 --> 01:54:37.039 Is he the super Champion? 2270 01:54:38.600 --> 01:54:42.000 No, it's what's his name? He? He does the New 2271 01:54:42.079 --> 01:54:44.000 Year's Ball drop and all that stuff. 2272 01:54:44.159 --> 01:54:49.680 Oh, Ryan Seacrest, he's hosting Jeopardy. 2273 01:54:49.840 --> 01:54:52.560 No, I'm sorry, I got them all screwed up. He's 2274 01:54:52.640 --> 01:54:56.359 actually hosting What's On After Jeopardy, which is where they spin. 2275 01:54:56.239 --> 01:54:58.279 The wheel wheel of Fortune. 2276 01:54:58.439 --> 01:55:01.439 I can't watch Wheel of Fortune and anymore. God bless 2277 01:55:01.520 --> 01:55:03.199 my soul, and I used to love it because I 2278 01:55:03.239 --> 01:55:05.640 don't like him. I just simply don't like him. I 2279 01:55:05.640 --> 01:55:08.359 don't know why he's never done it. I just don't 2280 01:55:08.560 --> 01:55:10.359 like him. I don't know what it's about him. He 2281 01:55:10.439 --> 01:55:13.560 drives me insane. Maybe it's because he was on that 2282 01:55:13.720 --> 01:55:18.119 Regis and Kathley Lee or whatever years ago. But no, 2283 01:55:18.239 --> 01:55:22.199 the new Jeopardy host is who though I think it's 2284 01:55:22.279 --> 01:55:22.880 Ken Jennings. 2285 01:55:22.920 --> 01:55:24.199 I thought it was Ken Jennings. 2286 01:55:24.279 --> 01:55:26.119 Okay, well, I can't say I don't like him because 2287 01:55:26.159 --> 01:55:28.840 I can't even picture him. Forget. 2288 01:55:28.840 --> 01:55:30.760 He's the one that won so many weeks in a row. 2289 01:55:30.920 --> 01:55:34.239 Yeah, he's like the record olnder, he's like the best ever. Yes, 2290 01:55:34.520 --> 01:55:37.239 all right, Hey, Brian Burns Compass Insurance, I'm gonna lock 2291 01:55:37.319 --> 01:55:39.319 you in and I'm gonna bring up Alison. Here's the 2292 01:55:39.319 --> 01:55:42.159 bottom line. It's not there's nothing going on right now, 2293 01:55:42.199 --> 01:55:46.279 but where she lives, there's a bunch of duplexes and 2294 01:55:46.520 --> 01:55:50.319 like twelve of them and right now. They were struggling 2295 01:55:50.399 --> 01:55:55.000 this year to get coverage for the roof Okay big time. 2296 01:55:55.319 --> 01:55:58.840 They did end up getting coverage, but they're looking for 2297 01:55:59.000 --> 01:56:02.359 an alternative or next year just in case it either 2298 01:56:02.399 --> 01:56:06.079 goes up or gets canceled. So they were throwing around 2299 01:56:06.119 --> 01:56:09.039 the idea. She's a president, Alison, You're the president of 2300 01:56:09.079 --> 01:56:12.000 the board, right, yes, I am. So they were throwing 2301 01:56:12.039 --> 01:56:15.600 around the idea of everybody, or the management company was, 2302 01:56:15.640 --> 01:56:21.760 of everybody chipping in and basically covering their own inside 2303 01:56:21.880 --> 01:56:25.399 and outside. Have you seen these policies and if so, 2304 01:56:25.520 --> 01:56:28.279 what do you refer to him as well? 2305 01:56:28.359 --> 01:56:28.520 Yeah? 2306 01:56:28.680 --> 01:56:31.600 No, they're happening all the time right now, and you're 2307 01:56:31.640 --> 01:56:34.039 just converting it from being what's called an HO six 2308 01:56:34.119 --> 01:56:36.399 or a condo policy, which is what they have. Now 2309 01:56:37.159 --> 01:56:40.560 they're changing their bylaws to force everybody to have an 2310 01:56:40.760 --> 01:56:45.000 HO three policy, which is a homeowner's insurance policy. So 2311 01:56:45.439 --> 01:56:48.439 it's not necessarily chipping in as a group. You're just 2312 01:56:48.520 --> 01:56:52.439 telling each individual owner they have to get insurance that 2313 01:56:52.520 --> 01:56:56.159 will cover the inside and outside of the party. 2314 01:56:56.520 --> 01:56:58.560 So how does that work, Like on a roof claim, 2315 01:56:58.600 --> 01:57:02.479 if she's got a neighbor, it's a duplex, and they 2316 01:57:02.600 --> 01:57:06.039 basically chip in on the exterior, but the interior they 2317 01:57:06.039 --> 01:57:08.560 have a different policy, Or how does that work? 2318 01:57:09.439 --> 01:57:12.600 They each have an individual policy that's covering half that roof. 2319 01:57:12.680 --> 01:57:16.039 Now almost always what happens if one roof is damage, 2320 01:57:16.119 --> 01:57:20.640 you're getting both insurance companies involved in that case. But yeah, 2321 01:57:20.720 --> 01:57:23.920 it's you're literally ensuring half the roof ultimately with your 2322 01:57:23.920 --> 01:57:26.399 insurance policy. We ultimately owned policy. 2323 01:57:26.520 --> 01:57:30.039 What ultimately is cheaper that you're seeing in the market 2324 01:57:30.159 --> 01:57:32.479 right now? I know you guys ensure stuff like this, 2325 01:57:32.920 --> 01:57:37.159 But are the HO sixes generally better even though they're 2326 01:57:37.159 --> 01:57:40.399 going away and they have to be replaced? But ultimately, 2327 01:57:40.479 --> 01:57:44.039 when you do the math compared to special assessments and 2328 01:57:44.119 --> 01:57:47.239 everything else that can happen, is this a better policy? 2329 01:57:48.239 --> 01:57:48.479 Yeah? 2330 01:57:48.680 --> 01:57:50.760 I mean, I think what people are finding is that 2331 01:57:50.800 --> 01:57:54.000 it's a better way to do it because the market 2332 01:57:54.159 --> 01:57:58.119 for hoa's to get insurance for the entire structure, you know, 2333 01:57:58.159 --> 01:58:01.319 of all the structures, is the becoming more and more difficult, 2334 01:58:01.399 --> 01:58:06.319 and the deductibles are becoming so difficult so high that 2335 01:58:06.880 --> 01:58:11.000 it's not economical anymore. And so what people are finding 2336 01:58:11.039 --> 01:58:15.760 that it's easier to get a HO three policy instead. 2337 01:58:16.439 --> 01:58:19.079 How about common areas? What happens then? Do you still 2338 01:58:19.119 --> 01:58:24.359 have that HO six that covers say the swimming pool area, Yeah. 2339 01:58:24.239 --> 01:58:26.159 They'll still have a policy. It's not an H six. 2340 01:58:26.319 --> 01:58:31.800 HO six is what unit owner. Sorry I'm coughing. That's right, 2341 01:58:32.399 --> 01:58:35.199 it's what unit owners are are having to get to 2342 01:58:35.199 --> 01:58:38.960 cover their interior. Got it, So the HOA policy will 2343 01:58:38.960 --> 01:58:42.159 still extend to the common grounds. 2344 01:58:41.840 --> 01:58:44.079 I get it. I get it. So there still would 2345 01:58:44.119 --> 01:58:46.239 be one, you would still have an HOA fee. But 2346 01:58:46.359 --> 01:58:51.479 under under this, under this scenario, when they each go 2347 01:58:51.600 --> 01:58:55.640 to that, if that actually happens, their HOA dues in 2348 01:58:55.880 --> 01:58:59.119 theory should come down because they're not covering the roof 2349 01:58:59.399 --> 01:59:02.720 through the age anymore, they're covering it through their own policy. 2350 01:59:03.199 --> 01:59:05.840 They absolutely should and I've seen where they don't. And 2351 01:59:05.880 --> 01:59:09.600 that's where I push back for homeowners to push hard 2352 01:59:09.640 --> 01:59:13.000 against rach Away because yeah, why insurance is a huge 2353 01:59:13.079 --> 01:59:15.439 portion of their of their dues or it should be. 2354 01:59:15.560 --> 01:59:16.439 Yeah, they're being a. 2355 01:59:16.359 --> 01:59:20.119 Lot for insurance, so they should see their dues come down. 2356 01:59:20.199 --> 01:59:22.760 I will tell you an HO six policy. Let's just 2357 01:59:23.359 --> 01:59:26.640 kind of play normal math here. I mean, this isn't 2358 01:59:26.720 --> 01:59:29.720 true for everybody, but I would imagine that an HO 2359 01:59:29.880 --> 01:59:32.760 six policy is probably costing someone let's say four hundred 2360 01:59:32.760 --> 01:59:36.079 dollars a year, and HO three for that same property 2361 01:59:36.159 --> 01:59:38.960 is probably closer to two thousand a year. So you're 2362 01:59:39.000 --> 01:59:42.039 taking a sixteen hundred dollars a year increase in cost, 2363 01:59:42.199 --> 01:59:45.239 got it. So what you're hoping is rancho a feed 2364 01:59:45.319 --> 01:59:47.239 has come down maybe one hundred hundred and twenty five 2365 01:59:47.279 --> 01:59:48.279 a month to kind of make up that. 2366 01:59:48.479 --> 01:59:50.840 Yeah, to make up at least the majority of it. Allison, 2367 01:59:50.880 --> 01:59:53.560 you got any other questions? It sounds like that's the 2368 01:59:53.600 --> 01:59:55.000 way everything's going though. 2369 01:59:55.399 --> 01:59:57.840 Well that's interesting because I, you know, I really just 2370 01:59:57.920 --> 02:00:02.520 didn't know how common usage is these days. I do 2371 02:00:02.640 --> 02:00:06.319 have one question ahead, what if you know, I have 2372 02:00:06.359 --> 02:00:10.000 an adjoining wall with my neighbors next door, So why 2373 02:00:10.039 --> 02:00:12.840 if their kid, you know, puts a hole through the 2374 02:00:12.880 --> 02:00:15.600 wall to my living room and I go to them 2375 02:00:15.640 --> 02:00:18.000 and say, well, you know, your insurance company's got to 2376 02:00:18.079 --> 02:00:21.359 cover this all ja I forgot to. 2377 02:00:23.199 --> 02:00:25.640 Then, Allison, that's a simple one. You turn it into 2378 02:00:25.680 --> 02:00:27.920 yours and they're going to go after their company. 2379 02:00:28.119 --> 02:00:29.920 Okay, okay, okay. 2380 02:00:30.159 --> 02:00:31.880 Just the same as a condo, and I will tell 2381 02:00:31.880 --> 02:00:34.439 you that I think more places would would go to 2382 02:00:34.520 --> 02:00:37.760 this model, except for you can't do it on a 2383 02:00:37.800 --> 02:00:41.399 true condo where you have units below you or above you. 2384 02:00:41.920 --> 02:00:44.239 There's no way to write a h O three policy 2385 02:00:44.279 --> 02:00:46.359 for that because there's they don't own the whole structure, 2386 02:00:46.399 --> 02:00:50.239 whereas a duplex or a town home it's possible to do. 2387 02:00:51.239 --> 02:00:54.000 Okay, well, I appreciate it, Brian, I mean really, And 2388 02:00:54.039 --> 02:00:57.199 by the way, the insurance help Center, anybody out there, 2389 02:00:57.239 --> 02:01:00.359 whether it's automotive, whether it's anything we're talking about, whether 2390 02:01:00.399 --> 02:01:03.520 it's workmen's competence charts. In fact, Brian saved us big 2391 02:01:03.560 --> 02:01:06.479 time a while back. Brian. Everybody thinks Pinnacle is a 2392 02:01:06.560 --> 02:01:08.840 best deal, and it might be the best deal in 2393 02:01:08.880 --> 02:01:12.159 Colorado depending on what that code is. When I was 2394 02:01:12.199 --> 02:01:15.239 in automotive, a Pinnacle was the best deal. But when 2395 02:01:15.279 --> 02:01:18.399 we switched over to an office building and dealing with 2396 02:01:19.119 --> 02:01:22.199 you know, administrators not technicians, all of a sudden, you 2397 02:01:22.279 --> 02:01:24.800 found us a better policy. So the bottom line is, 2398 02:01:24.840 --> 02:01:26.960 I don't care if it's garage keepers, I don't care 2399 02:01:27.199 --> 02:01:30.439 if it's homeowners, I don't care if it's automotive. These 2400 02:01:30.479 --> 02:01:35.000 guys shop thirty plus different companies for you, commercial, residential. 2401 02:01:35.000 --> 02:01:37.159 They're going to find the best thing out there. They're 2402 02:01:37.239 --> 02:01:40.079 experts on the show all the time. Give them a call, 2403 02:01:40.159 --> 02:01:42.359 let them start saving you money. Brian. And as people 2404 02:01:42.399 --> 02:01:45.880 call me every single year to go through all of 2405 02:01:45.880 --> 02:01:48.039 our needs and make sure we have the best policies. 2406 02:01:48.039 --> 02:01:50.760 They'll do the same for you. Three oh three nine 2407 02:01:50.880 --> 02:01:53.560 nine six nine thousand, three oh three nine ninety six 2408 02:01:53.960 --> 02:02:03.159 nine thousand. When we come back stumped, the attorney. 2409 02:02:03.399 --> 02:02:06.680 Go with a sure thing Denver's best roofer Excel Roofing 2410 02:02:06.760 --> 02:02:07.359 dot com. 2411 02:02:07.399 --> 02:02:09.439 You don't pay a cent until you're content. 2412 02:02:12.800 --> 02:02:16.000 Time for an insurance check up free no obligation comparison 2413 02:02:16.119 --> 02:02:19.680 call Compass Insurance paying too much your coverage at dozens 2414 02:02:19.680 --> 02:02:22.399 of insurance companies find out now three o three seven 2415 02:02:22.439 --> 02:02:24.760 to seven to one help. You'll think you're his only 2416 02:02:24.880 --> 02:02:27.359 customer when you choose Frank durand the real estate Man 2417 02:02:27.399 --> 02:02:30.840 dot com to list your home with Remax Alliance three 2418 02:02:30.840 --> 02:02:34.319 oh three nine two zero sixteen twenty two. 2419 02:02:36.600 --> 02:02:40.199 All right, three oh three, set three A two five 2420 02:02:40.239 --> 02:02:43.000 to five Dmitri. Are you ready, sir? 2421 02:02:43.479 --> 02:02:44.000 I'm ready. 2422 02:02:44.199 --> 02:02:48.079 Dan McKenzie, Attorney at Law, Are you ready, sir. We're 2423 02:02:48.079 --> 02:02:51.079 gonna find out here, get your mic on, and we're 2424 02:02:51.079 --> 02:02:53.439 gonna go to the questions. By the way, Dan McKenzie 2425 02:02:53.520 --> 02:02:57.479 is an estate planning attorney that can help protect your assets. 2426 02:02:57.760 --> 02:02:59.920 He can help you with the trust and will probate 2427 02:03:00.079 --> 02:03:03.760 anything to do with basically your life and your estate. 2428 02:03:03.960 --> 02:03:06.359 I mean, he can help with that stuff. And we've 2429 02:03:06.359 --> 02:03:08.920 known him here on the show for a very very 2430 02:03:09.000 --> 02:03:11.680 long time. He's our go to expert. So now that 2431 02:03:11.760 --> 02:03:17.560 I explained who he is, Dmitri the first question mark. 2432 02:03:17.560 --> 02:03:19.199 A few months ago, I went to one of Dan 2433 02:03:19.279 --> 02:03:22.840 mackenzie's seminars downtown where he talks. He kind of introduces 2434 02:03:22.920 --> 02:03:26.039 the audience to his business and talks about asset protection. 2435 02:03:26.239 --> 02:03:29.399 So that was my primary interest, not really writing a will, 2436 02:03:29.439 --> 02:03:32.720 but how to protect my assets from potential creditors. And 2437 02:03:32.760 --> 02:03:34.279 one of the things that I think came as a 2438 02:03:34.359 --> 02:03:38.239 huge surprise to most people at that seminar is your creditors. 2439 02:03:38.680 --> 02:03:42.279 They're not just limited to Bank of America, MasterCard, it's 2440 02:03:42.399 --> 02:03:45.720 judgment creditors. And as Dan pointed out, we can all 2441 02:03:45.720 --> 02:03:48.159 be in a car accident where we're at fault. We 2442 02:03:48.159 --> 02:03:50.199 can all have a slip and fall on our property 2443 02:03:50.239 --> 02:03:53.880 where we're eventually at fault. And so Dan and I 2444 02:03:54.000 --> 02:03:58.279 discussed these asset protection trusts and specifically these if and Dan, 2445 02:03:58.319 --> 02:04:01.880 if I'm using the correct terminology, these irrevocable trusts, and 2446 02:04:01.920 --> 02:04:04.079 I think we haven't talked about some that would be 2447 02:04:04.119 --> 02:04:07.880 formed in It was either Utah or Nevada or one 2448 02:04:07.920 --> 02:04:10.479 of those. And one thing that came as a surprise 2449 02:04:10.600 --> 02:04:13.199 to me is that Dan told me that when I 2450 02:04:13.279 --> 02:04:16.279 transfer my assets to one of these trusts, they're not 2451 02:04:16.399 --> 02:04:20.000 immediately protected from potential judgment creditors. There's some kind of 2452 02:04:20.039 --> 02:04:22.159 like a maturity period of was it. 2453 02:04:22.159 --> 02:04:24.520 A couple of years, Dan, something depends on the state. 2454 02:04:24.920 --> 02:04:28.640 Yeah, but it's not instant, and so it kind of 2455 02:04:28.720 --> 02:04:32.680 leaves me vulnerable during this period. So, Dan, my question 2456 02:04:32.760 --> 02:04:35.760 to you is, if God forbid, somebody does get injured 2457 02:04:36.039 --> 02:04:39.159 at my house, or God forbid I injure somebody in 2458 02:04:39.199 --> 02:04:42.319 a car accident where I'm in fault, and this person 2459 02:04:42.399 --> 02:04:45.319 becomes a judgment creditor for an amount that's beyond my 2460 02:04:45.439 --> 02:04:49.640 insurance coverage, how much can they get? I mean, can 2461 02:04:49.680 --> 02:04:53.319 they literally like leave me paneless? Can they grab my house, 2462 02:04:53.439 --> 02:04:57.000 my car, literally my every penny in my bank account, 2463 02:04:57.000 --> 02:04:59.279 maybe the piggy bank I have next to the kitchen. 2464 02:05:00.079 --> 02:05:02.399 Could I be left penniless? Or is there some sort 2465 02:05:02.439 --> 02:05:07.000 of minimum level of assets that's protected from judgment creditors 2466 02:05:07.319 --> 02:05:09.079 so that I don't have to move into your house. 2467 02:05:09.479 --> 02:05:11.279 I mean the question is what would you have to 2468 02:05:11.319 --> 02:05:13.560 What would you lose if you had to declare bankruptcy? 2469 02:05:14.279 --> 02:05:16.359 Yeah, because you would still have a certain amount of 2470 02:05:16.359 --> 02:05:17.279 equity in the house. 2471 02:05:17.359 --> 02:05:19.680 Yeah, you still get you do have the homestead exemption, 2472 02:05:19.760 --> 02:05:22.159 which is one hundred and eighty thousand ish. 2473 02:05:22.199 --> 02:05:22.640 That's it. 2474 02:05:22.840 --> 02:05:24.880 So only one hundred and eighty thousand of my equity 2475 02:05:24.920 --> 02:05:25.560 is protected? 2476 02:05:25.720 --> 02:05:29.479 Correct? And then you've got retirement accounts are protected from bankruptcy. 2477 02:05:30.199 --> 02:05:35.079 Is there any way people can get to those retirement 2478 02:05:35.119 --> 02:05:38.720 accounts or it's just ultimately almost except for fraud, Say, 2479 02:05:39.039 --> 02:05:41.760 it just never happens, No one ever pierces at. 2480 02:05:42.159 --> 02:05:45.239 I mean again, like you know, the the the defense 2481 02:05:45.319 --> 02:05:48.840 to having a judgment entered against you to declare bankruptcy. 2482 02:05:49.319 --> 02:05:51.239 So what do you have to list on that bankruptcy petition? 2483 02:05:51.840 --> 02:05:52.079 Wait? 2484 02:05:52.159 --> 02:05:56.920 So, but you would would you preemptively declare bankruptcy before 2485 02:05:56.920 --> 02:05:57.560 the judgment? 2486 02:05:58.199 --> 02:05:58.520 Yeah? 2487 02:05:58.560 --> 02:05:59.039 Does that? 2488 02:05:59.359 --> 02:06:02.600 Is that better than waitings? There's any benefit to twelve? 2489 02:06:02.920 --> 02:06:04.359 Maybe you want up to declare bankruptcy. 2490 02:06:04.399 --> 02:06:06.239 I mean that's that's a threat, right, I mean you're 2491 02:06:06.239 --> 02:06:07.880 gonna lose a lot in bankruptcy, so, I mean you 2492 02:06:07.880 --> 02:06:09.800 don't want to do that? Made rather pay the judgment. 2493 02:06:10.640 --> 02:06:12.479 Let's see what the judgment is. But you tell them 2494 02:06:12.479 --> 02:06:15.279 I'm going to declare bankruptcy. That's what everyone tells, you know, 2495 02:06:15.319 --> 02:06:17.199 the attorney is doing them Like if even if you win, 2496 02:06:17.199 --> 02:06:18.399 I'm going to declare bankruptcy. 2497 02:06:18.520 --> 02:06:20.359 Is that a bluff or not? I don't know. And 2498 02:06:20.439 --> 02:06:23.680 a lot of that your insurance company Dmitri. But like 2499 02:06:23.840 --> 02:06:27.399 just using your car accident scenario, I mean, your your 2500 02:06:27.399 --> 02:06:30.359 insurance company is not going to be very happy if 2501 02:06:30.760 --> 02:06:33.279 they can pay out a million dollars and make it over, 2502 02:06:33.359 --> 02:06:35.760 but you've got another million in assets are going to 2503 02:06:35.840 --> 02:06:38.880 go against because I mean they're going to have to 2504 02:06:38.920 --> 02:06:41.920 put up the defense. But I don't know how many 2505 02:06:41.960 --> 02:06:44.960 people would try to go after that that money. Does 2506 02:06:45.000 --> 02:06:48.840 that happen a lot? Dan, You can't switch money. Well, 2507 02:06:48.880 --> 02:06:52.000 like let's say he's let's say you hurt somebody in 2508 02:06:52.039 --> 02:06:54.319 a car accident, like he said, and he's got a 2509 02:06:54.359 --> 02:06:58.279 million dollars in liability and he's got five hundred thousand 2510 02:06:58.319 --> 02:07:00.880 dollars sitting in the bank. I mean a lot of 2511 02:07:00.920 --> 02:07:03.399 people are not going to go through the entire court 2512 02:07:03.479 --> 02:07:06.760 thing when they can easily get that million dollars from 2513 02:07:06.760 --> 02:07:10.239 the insurance company. Yeah, that usually is. Yeah, do you 2514 02:07:10.279 --> 02:07:11.600 follow what I'm saying there? 2515 02:07:12.119 --> 02:07:12.319 Yeah? 2516 02:07:12.359 --> 02:07:12.640 I do. 2517 02:07:12.720 --> 02:07:17.199 And my question was if the judgment against this hypothetical 2518 02:07:17.239 --> 02:07:22.079 defendant is far in excess of their insurance limits, and 2519 02:07:22.159 --> 02:07:25.039 then the judgment creditor wants to go after all their 2520 02:07:25.079 --> 02:07:30.439 personal assets. So during that esso, oh, yeah, well exactly, 2521 02:07:30.600 --> 02:07:33.439 And I'm not arguing that they shouldn't, right, but so 2522 02:07:33.880 --> 02:07:36.800 so the only thing that's protected in that case is 2523 02:07:36.920 --> 02:07:41.800 one hundred eighty thousand in my home equity, my my 2524 02:07:41.960 --> 02:07:46.000 I RAH accounts, and that's it. Nothing in my bank account, nothing. 2525 02:07:46.319 --> 02:07:48.920 How about my personal property at home? I mean, can 2526 02:07:48.960 --> 02:07:50.680 they come in and start confiscating? 2527 02:07:50.680 --> 02:07:55.199 Still there's still bankruptcy limits, but yeah, But I think 2528 02:07:55.199 --> 02:07:58.880 the bigger question there is this, is there anything you 2529 02:07:59.000 --> 02:08:02.159 can do? Let's say you do have the four Let's 2530 02:08:02.159 --> 02:08:04.720 say you have ten million dollars in assets and you're 2531 02:08:04.720 --> 02:08:07.960 willing to do whatever. Is there anything you can put 2532 02:08:08.000 --> 02:08:12.399 people into so this wouldn't happen. That kicks in quicker 2533 02:08:12.439 --> 02:08:14.199 than what were you saying? Two years? 2534 02:08:14.319 --> 02:08:16.720 I think yeah. I think Dan's best case scenario that 2535 02:08:16.800 --> 02:08:19.279 he told me about his at his seminar was this 2536 02:08:19.399 --> 02:08:22.600 two year was it a maturity period or agent. 2537 02:08:22.840 --> 02:08:25.760 If the judgment didn't already happen. I could understand if 2538 02:08:26.319 --> 02:08:28.960 if the judgment happened, then you move the assets. But 2539 02:08:29.319 --> 02:08:31.319 I mean, if you go out and you create one 2540 02:08:31.359 --> 02:08:34.640 of these trust that protects your assets, why do you 2541 02:08:34.720 --> 02:08:36.720 have to wait two years? What is that? 2542 02:08:37.079 --> 02:08:41.800 It's whatever the state legislature decided was appropriate. I think 2543 02:08:41.840 --> 02:08:43.920 they just don't want people doing this and then the 2544 02:08:43.920 --> 02:08:46.520 next day feeling like okay on bulletproof, like there's no 2545 02:08:46.560 --> 02:08:48.479 commitment there, like I'm just going to put assets in 2546 02:08:48.479 --> 02:08:50.239 this trust and suddenly I can't get suit. 2547 02:08:50.720 --> 02:08:54.159 Yeah, okay, Dan, Are the assets in this trust also 2548 02:08:54.239 --> 02:08:57.840 protected from taxing authorities to the same extent they are 2549 02:08:57.880 --> 02:08:58.680 from other creditors? 2550 02:08:59.000 --> 02:08:59.319 Question? 2551 02:09:00.560 --> 02:09:03.479 Are they protected at all from taxing taxing authorities? 2552 02:09:03.560 --> 02:09:05.279 I mean, you can get assets out of your name 2553 02:09:05.279 --> 02:09:07.479 for like a state tax purposes, but if you're earning 2554 02:09:07.520 --> 02:09:09.399 income on those, like you know it's going to be 2555 02:09:09.479 --> 02:09:10.119 taxed somehow. 2556 02:09:10.520 --> 02:09:12.760 I'm not even sure if you owe just on a 2557 02:09:12.800 --> 02:09:16.279 little separate note, but the same wave, I'm not sure 2558 02:09:16.319 --> 02:09:20.039 if you owed payroll taxes, for example, let's say you 2559 02:09:20.079 --> 02:09:24.279 owed the trust fund portion. I'm not saying the IRS 2560 02:09:24.560 --> 02:09:27.920 would do it. But I think if you had an 2561 02:09:28.000 --> 02:09:31.840 IRA with money in it that if they really wanted to, 2562 02:09:32.520 --> 02:09:35.439 they might be able to get to that retirement count. 2563 02:09:37.119 --> 02:09:39.359 I don't know. I mean, that's really for a bankruptcy 2564 02:09:39.439 --> 02:09:42.840 or a Chapter eleven attorney. But I think the IRS 2565 02:09:42.960 --> 02:09:46.000 is one of the very few entities that can do 2566 02:09:46.079 --> 02:09:49.119 some stuff like that. I'm not saying they do do 2567 02:09:49.199 --> 02:09:52.239 it because it's not good in general, because why would 2568 02:09:52.239 --> 02:09:56.000 people put money into a protected account that ultimately isn't 2569 02:09:56.039 --> 02:09:57.359 protected from everybody? 2570 02:09:58.079 --> 02:09:59.960 Well, well, yeah, I have a feeling that IRS has 2571 02:10:00.039 --> 02:10:03.159 their own special rules and most of us aren't protected 2572 02:10:03.199 --> 02:10:03.479 at all. 2573 02:10:03.800 --> 02:10:06.000 What's the biggest call you get from the show Dan? 2574 02:10:06.119 --> 02:10:08.840 Is it someone like on a day like today? Afterwards? 2575 02:10:08.880 --> 02:10:11.039 Do you get people like, you know, how much is 2576 02:10:11.039 --> 02:10:14.000 a trust? I mean? Or what do I need? So 2577 02:10:14.079 --> 02:10:17.399 when people call you up? What what should they expect 2578 02:10:17.439 --> 02:10:19.760 when they call you up and say, hey, I want 2579 02:10:19.800 --> 02:10:22.039 to talk to Dan? I mean, really what happens from there? 2580 02:10:22.319 --> 02:10:23.720 I mean, we do get a lot of calls from 2581 02:10:23.720 --> 02:10:26.680 people just say like how much would it cost? And uh, 2582 02:10:27.359 --> 02:10:30.039 you know I would I would shy away from anyone 2583 02:10:30.039 --> 02:10:33.479 who will just answer that, I mean without knowing anything 2584 02:10:33.520 --> 02:10:35.479 about you, right. I mean it's like calling a mechanic 2585 02:10:35.560 --> 02:10:36.960 and saying how much is going to cost to fix 2586 02:10:37.039 --> 02:10:38.479 my car? And they say three hundred bucks? 2587 02:10:38.520 --> 02:10:41.159 Like great? Why didn't ask me any questions? 2588 02:10:41.239 --> 02:10:41.399 Right? 2589 02:10:41.439 --> 02:10:42.880 I mean that's well, where's something? 2590 02:10:43.000 --> 02:10:43.119 Right? 2591 02:10:44.600 --> 02:10:44.720 Uh? 2592 02:10:45.119 --> 02:10:46.760 For some reason, people don't really see it that way 2593 02:10:46.840 --> 02:10:48.439 or the turn they I just need a simple well. 2594 02:10:48.520 --> 02:10:49.760 I don't know if you need a simple well. We 2595 02:10:49.800 --> 02:10:53.199 do simple wells, but you're not. You're not hourly or 2596 02:10:53.239 --> 02:10:54.840 not hourly, we'll give you a flat fee. 2597 02:10:54.880 --> 02:10:57.319 So the process is, you schedule, you can talk with 2598 02:10:57.359 --> 02:11:00.560 our paralegal, you can talk with one me or my 2599 02:11:00.640 --> 02:11:03.760 other attorney, and we will tell you what we think 2600 02:11:03.800 --> 02:11:05.439 you need based on your assets. 2601 02:11:05.479 --> 02:11:08.079 So there's such a basic question. So so someone calls 2602 02:11:08.079 --> 02:11:10.039 you up and I mean you're saying, okay, do you 2603 02:11:10.079 --> 02:11:12.520 have kids? I mean, what kind of value do you have? 2604 02:11:12.560 --> 02:11:15.359 How much equity in your house? I assume you're basically 2605 02:11:15.399 --> 02:11:17.279 trying to paint a picture of who you're talking to. 2606 02:11:17.640 --> 02:11:19.359 Are we dealing with three year old? A three year 2607 02:11:19.359 --> 02:11:21.720 old kid? Are we dealing with you know, thirty year old? 2608 02:11:21.800 --> 02:11:24.319 And two called earlier is fifty three? I mean that's 2609 02:11:24.319 --> 02:11:26.399 a big difference. Oh, it's a huge difference. 2610 02:11:26.439 --> 02:11:28.039 I mean, are we dealing with a family is trying 2611 02:11:28.039 --> 02:11:29.600 to do this quickly because we got somebody wh's got 2612 02:11:29.600 --> 02:11:32.600 on Alzheimer's diagnosis? Or is this just young parents? I 2613 02:11:32.640 --> 02:11:33.960 mean it's a lot of variables. 2614 02:11:34.079 --> 02:11:36.439 Do you do You get a lot of people like, hey, 2615 02:11:36.520 --> 02:11:38.560 my parents, I mean, I'm kind of in this. They're 2616 02:11:38.560 --> 02:11:41.560 in good health, thank God, and good mentally and physically, 2617 02:11:41.600 --> 02:11:45.039 but they're in their eighties and you start thinking about 2618 02:11:45.079 --> 02:11:48.720 long term care in some form of acid protection because 2619 02:11:48.720 --> 02:11:51.359 a lot of people, look, I don't care what you 2620 02:11:51.479 --> 02:11:54.920 think about it, because we don't make the rules. I'm 2621 02:11:55.000 --> 02:11:58.880 not a legislator, and I simply don't make the Medicaid 2622 02:11:58.920 --> 02:12:01.399 and the Medicare rules. I just don't do it. But 2623 02:12:01.520 --> 02:12:04.640 at some point, if you've got a half a million 2624 02:12:04.760 --> 02:12:08.079 or a million dollars, you can eat through that. A 2625 02:12:08.159 --> 02:12:11.279 couple could eat through that in long term care. Oh yeah, 2626 02:12:11.479 --> 02:12:14.239 like in two years and they have nothing to leave 2627 02:12:14.319 --> 02:12:17.319 to the kids that they worked for forever. If they 2628 02:12:17.359 --> 02:12:21.760 don't have assets and they qualify for Medicare, they can 2629 02:12:21.840 --> 02:12:24.800 actually get paid in where they're at. I mean, in 2630 02:12:24.840 --> 02:12:27.239 other words, they could be in a facility. I'm not 2631 02:12:27.279 --> 02:12:29.920 saying people want to be in that facility, but I'm saying, 2632 02:12:30.720 --> 02:12:34.560 you know, honestly, you want your parents to be somewhere 2633 02:12:34.560 --> 02:12:37.319 safe and stuff. But if they're one hundred percent out 2634 02:12:37.359 --> 02:12:40.199 of it, I mean, I don't know what they know 2635 02:12:40.319 --> 02:12:42.319 or what they don't you know what I'm saying. But 2636 02:12:42.720 --> 02:12:45.159 my question is do you have people thinking along those 2637 02:12:45.199 --> 02:12:47.439 lines like, Hey, we work so hard and we want 2638 02:12:47.439 --> 02:12:50.399 to leave our kids or our grandkids this money, and 2639 02:12:50.800 --> 02:12:53.079 how do we protect it? What do we do? How 2640 02:12:53.079 --> 02:12:56.000 do we protect a family house, the family farm, how 2641 02:12:56.039 --> 02:12:58.439 do we protect a bank account? I mean, is that 2642 02:12:58.560 --> 02:13:00.520 a big Oh? Yeah? 2643 02:13:00.560 --> 02:13:02.640 I think I said earlier that's our most common asset 2644 02:13:02.640 --> 02:13:06.600 protection question is how do I pretend to protect myself 2645 02:13:06.600 --> 02:13:10.239 from end of life care costs and medical bills? 2646 02:13:10.279 --> 02:13:12.720 And after you get by a period of time, Based 2647 02:13:12.800 --> 02:13:16.239 upon what Dimitri was saying, if you have that window, 2648 02:13:16.359 --> 02:13:19.960 that two year window or whatever it is, after that window, 2649 02:13:20.239 --> 02:13:23.359 they generally are one hundred percent protected with these with 2650 02:13:23.439 --> 02:13:26.119 these protection methods, and no lawyers are going to say that, right. 2651 02:13:26.159 --> 02:13:28.479 I mean, you know that the problem with putting assets 2652 02:13:28.479 --> 02:13:30.800 into Nevada is it's still in the United States. 2653 02:13:30.920 --> 02:13:34.119 Well, but fair enough. But I'm saying, under most circumstances, 2654 02:13:34.159 --> 02:13:36.399 it's a pretty good strategy. 2655 02:13:36.600 --> 02:13:38.840 Yeah, then some states. 2656 02:13:38.880 --> 02:13:41.039 Hold on, we got to take this hold on guys. 2657 02:13:41.079 --> 02:13:43.359 We'll come back to Dan in a second. Then, folks, 2658 02:13:43.399 --> 02:13:45.800 I'm going to give out his number. Really, this guy's great. 2659 02:13:46.159 --> 02:13:48.239 You call him up, and here's what I love about him. 2660 02:13:48.239 --> 02:13:51.239 You talk to him, you talk to his partner, you 2661 02:13:51.319 --> 02:13:53.920 talk to the paralegals. They get all the information. Then 2662 02:13:53.960 --> 02:13:56.600 they come back, Oh, it's a simple will. You're just 2663 02:13:56.680 --> 02:13:59.239 having your first kid, you live in an apartment. Simple 2664 02:13:59.279 --> 02:14:02.039 will is going to cause you only this or asset 2665 02:14:02.119 --> 02:14:04.880 protection's going to run you this. He comes back and 2666 02:14:04.960 --> 02:14:08.279 tells you how much it is. There's no hourly, there's 2667 02:14:08.319 --> 02:14:10.680 no surprise here. That's what he does. 2668 02:14:10.840 --> 02:14:15.359 Hold on, Go with a sure thing Denver's Best roofer 2669 02:14:15.479 --> 02:14:17.000 Excel roofing dot com. 2670 02:14:17.039 --> 02:14:20.239 You don't pay a cent until you're content than. 2671 02:14:22.439 --> 02:14:26.000 Time for an insurance checkup, free no obligation comparison call 2672 02:14:26.079 --> 02:14:29.399 compass insurance paying too much your coverage at dozens of 2673 02:14:29.439 --> 02:14:32.359 insurance companies. Find out now three O three seven seven 2674 02:14:32.399 --> 02:14:35.119 to one help. You'll think you're his only customer when 2675 02:14:35.199 --> 02:14:37.680 you choose Frank durand The real estate Man dot com 2676 02:14:37.680 --> 02:14:40.800 to list your home with Remax Alliance three oh three 2677 02:14:40.880 --> 02:14:42.560 nine two zero sixteen twenty two