Speaker 1: Yea ripped.
Speaker 2: News need advice, so you don't have come running just
Speaker 2: as as you can. Shooter's gonna help come. Man Dix
Speaker 2: is the Troubleshooter Show. No Tom Martinez, Hey Tom Martino here,
Speaker 2: Welcome to the show. Three oh three seven one three
Speaker 2: eight two five five. We're solving problems, answering questions, taking complaints.
Speaker 2: And we had a call earlier in the show and
Speaker 2: a woman was calling about harassment at an apartment how
Speaker 2: she said, look, they're bothering me. I'm on Section eight.
Speaker 2: Section eight's paying my rent, but they want to get
Speaker 2: me out of here. They gave me a notice of
Speaker 2: non complaint, excuse me, a notice of non renewal ninety
Speaker 2: days ago, and then I just got another notice of
Speaker 2: non compliance which gives me three days. I'm supposed to
Speaker 2: be out of here tomorrow. And we had our attorney,
Speaker 2: Brad O'Brien who's with us today. Brad O'Brien is Well
Speaker 2: Brian Legal Services, a real estate law firm and helps
Speaker 2: with real estate issues. He said that obviously they would
Speaker 2: have to prove it and she'll get her day in court,
Speaker 2: but if she's not out of there, they will probably
Speaker 2: do an eviction. But she doesn't literally have to be
Speaker 2: out the door tomorrow. That's just when they gave her
Speaker 2: notice to and then if she doesn't leave, most likely
Speaker 2: the landlord will start eviction proceedings. So Christy, what is
Speaker 2: your additional question about eviction itself? And real quick? Hold on,
Speaker 2: hold on.
Speaker 3: I wanted Brad to explain kind of why they are
Speaker 3: evicting or what they're reasoning is.
Speaker 4: I looked at the actual notice of to terminate the
Speaker 4: tendency and a little trying to evict her three different ways.
Speaker 4: One of them we can rule that right away. One
Speaker 4: is weak, and one probably has a decent chance of prevailing.
Speaker 4: So with the one we can go through them.
Speaker 2: Yeah, okay.
Speaker 4: Number one, the substantial violation based on her allegedly harassing
Speaker 4: office the office staff under the substantial violation statute. The
Speaker 4: substantial violation statute is to terminated the lease early for
Speaker 4: something that is criminal conduct, and just mere harassment of
Speaker 4: the office staff won't arise to that level.
Speaker 5: Now.
Speaker 4: Secondly, is harassment of the office staff based on some
Speaker 4: lease provision, some no nuisance lease provision, if it's in there.
Speaker 4: I don't know that, I haven't reviewed the lease, but
Speaker 4: if the lease says you can't harass landlord or other tenants.
Speaker 4: Then potentially they could use that one to say that
Speaker 4: it's the breach of the lease, and that's a question
Speaker 4: of fact. That's a hard one to prove up in court.
Speaker 4: That's why I say that's a weak claim. And also
Speaker 4: judges are probably reluctant to grant eviction on some heated
Speaker 4: discussion in the office when this Christie probably can tell
Speaker 4: you why where she was coming from, and probably can
Speaker 4: explain that it wasn't as bad as they're saying. The one,
Speaker 4: the third reason why they're trying to evict her that
Speaker 4: has the better chance of prevailing is she didn't She
Speaker 4: apparently didn't pay the full deposit that was due under
Speaker 4: the lease. And that's a hard requirement. That's easy to prove.
Speaker 4: That's money that's due.
Speaker 2: Okay, Now that that's non compliance, right That that meaning
Speaker 2: it's a breach of the contract for not paying the
Speaker 2: full deposit, Is that right?
Speaker 6: Yeah?
Speaker 4: They can give her a ten day notice on not
Speaker 4: paying the full security deposit. That's this isn't quite the
Speaker 4: same ten day notice. It's not how it's drafted. So
Speaker 4: a judge could could it could you know use that
Speaker 4: as a technicality to make it make the landlords start over.
Speaker 4: But another judge might just say this, you've been given
Speaker 4: the ten days notice to pay the security deposit and
Speaker 4: you didn't.
Speaker 2: Okay, So Christy, before you start, and I know she's
Speaker 2: going to start on a very long diet tribe about
Speaker 2: the security deposit. But we narrowed it down and here
Speaker 2: here's what you need, Christie. Number one. He is saying
Speaker 2: the two substantial violations will probably not hold up for
Speaker 2: the for the criminal activity. Okay, but he said they
Speaker 2: do have a shot at evicting you for non payment
Speaker 2: of the full deposit. Now go about and tell your
Speaker 2: creep deposit story.
Speaker 5: We have been paying it one hundred dollars a month,
Speaker 5: spent the incident where he was like, oh, lets you do,
Speaker 5: but I don't think you'll be successful at it, And
Speaker 5: I was like, I'm always successful, no matter how broke
Speaker 5: I am. I do this. So I'm paying it and
Speaker 5: every time I pay, like three hundred dollars down, he
Speaker 5: puts two hundred dollars under ledger, and so I started
Speaker 5: documenting by taking screenshots. Every time I made a payment,
Speaker 5: he would put something new, like he charged me two
Speaker 5: hundred dollars for the mice.
Speaker 2: That okay, But but you understand something. What we're what
Speaker 2: We're not here to try your case. We're not here
Speaker 2: to try your case. But it is very possible when
Speaker 2: you go to court, it is very possible the judge
Speaker 2: is going to rule in their favor. That's what more
Speaker 2: were you going to say?
Speaker 4: So it sounds here like the least says that this
Speaker 4: large amount of money is due as security deposit upfront.
Speaker 2: However, that sounds like also.
Speaker 4: The landlord modified that written lease requirement by giving her
Speaker 4: a payment plan, and she is more or less faithful
Speaker 4: with the payment plan so far.
Speaker 2: So that's her that's her argument for the judge. That's
Speaker 2: her defense.
Speaker 1: Yep.
Speaker 7: Yeah, she paid.
Speaker 5: Eighteen hundred dollars for fifteen hundred dollars in coverage. But
Speaker 5: every since that day, I've been putting money on the
Speaker 5: ledger until you locked it.
Speaker 3: So I can't make you're just going to go You're
Speaker 3: going to go through that with the judge. I mean,
Speaker 3: that's that's going to be your day in court. Like
Speaker 3: we've said numerous times.
Speaker 5: I'm fine with that. I just don't think it's fair
Speaker 5: that they're doing that.
Speaker 2: But that's what the judge is for. What do you mean?
Speaker 2: But what do you mean by that? What do you
Speaker 2: mean by that?
Speaker 5: Okay, So a cabinet fell out of my last house
Speaker 5: and I.
Speaker 2: Put it on therrelevant.
Speaker 3: None of that, None of that has anything to do
Speaker 3: with what's going on right now, though.
Speaker 5: I sent you guys more emails to show you why
Speaker 5: it's relevant. Both companies have conjoints together, my last landlord
Speaker 5: and my new landlord, and once they did that, that's
Speaker 5: when they started racing. I've been paying it every month.
Speaker 2: Old, what do you mean you had you didn't have
Speaker 2: two different landlords. You're in the same place.
Speaker 5: I'm shaying. My last my last location was under a
Speaker 5: different real estate agency and the new one as they
Speaker 5: are conjointed as of November there.
Speaker 2: But what difference does that make? It all comes down
Speaker 2: to whether you owe the money or not. Christy. I don't.
Speaker 5: I don't, But they're trying to hurt me because I
Speaker 5: told on them. I'm an activist like you.
Speaker 3: Look okay, okay, Christy, Christy now found the wrong because
Speaker 3: you're fighting the wrong battles, You're gonna have your chance.
Speaker 2: Exactly to prove to the judge exactly what you've been doing.
Speaker 2: Exactly what Brad said. They modified it.
Speaker 3: They've been taking payments from you. You prove that to
Speaker 3: the judge through the pictures you just said. Now, now
Speaker 3: I had to put her on hold. Tom, I'm sorry.
Speaker 3: I'll bring her back up.
Speaker 2: She won't listen. She won't listen. She keeps talking about
Speaker 2: them trying to get revenge because she's an active She
Speaker 2: found a blind purse or something whatever. And by the way, oh,
Speaker 2: here's all I'm going to say. Either you owe the
Speaker 2: money or not. But I want to ask Brad O'Brien
Speaker 2: some very basic questions. She did bring up a point
Speaker 2: about somewhat of a moving target. How does she protect
Speaker 2: herself against a moving target? In other words, if they
Speaker 2: say she owes x amount of dollars, how can they,
Speaker 2: in a month or two say, now you owe x
Speaker 2: amount of dollars and it's more because we tacked on
Speaker 2: more money. How does she keep that from happening?
Speaker 1: She shows proof of payment, right, Well, a lot of
Speaker 1: this is spoken and not in writing, so her testimony
Speaker 1: will be that they gave her a promise, which is
Speaker 1: this payment plan, and if they changed it later, that
Speaker 1: can be held against the landlord.
Speaker 4: And she can enforce the prove it. Yeah, or she'd have.
Speaker 2: To prove that she had an agreement that they violated.
Speaker 4: Yeah. These agreements don't have to be in writing. They
Speaker 4: can this modification of the least they can. She can
Speaker 4: orally testifies, you know, orally that what the landlord promised her.
Speaker 3: And show that she paid it too, right through whatever
Speaker 3: kind of receipt I wanted to ask.
Speaker 2: You about, Okay, And they what if they can orally
Speaker 2: say we never did it, we never agreed to that.
Speaker 4: And the judge exactly, it is enforceable to the extent
Speaker 4: that she paid. So if they took three months on
Speaker 4: this payment plan, then that is that shows that she
Speaker 4: made a substantial progress towards the payment plan and proves
Speaker 4: the existence of the payment plan.
Speaker 3: Yeah, or what But Brad on this second one, the
Speaker 3: second argument they gave where basically the landlord saying you
Speaker 3: were bothering us. And in the let's assume in the
Speaker 3: lease it says what word did they use? They didn't
Speaker 3: use bothering harassment, So harassment if she sent off let's
Speaker 3: say that is in the lease, okay, and she sent
Speaker 3: off ten emails going oh.
Speaker 2: This is crazy. You guys suck and you don't do this.
Speaker 3: And I found a bloody person you're all after me
Speaker 3: and she's doing this constantly. That could be harassment. Uh yeah,
Speaker 3: but wait, that's not my question. You said if it
Speaker 3: was in the lease. There's probably so many people like
Speaker 3: Bo who's got a bunch of rental properties in Denver
Speaker 3: where that language is not in your lease. I didn't
Speaker 3: realize by putting language like that in the lease, you
Speaker 3: could actually create an agreement between you and attendant in
Speaker 3: Colorado to where they can't harass you all the time,
Speaker 3: where if you didn't have it in there, they could
Speaker 3: harass you. That's a great reason and for landlords to
Speaker 3: call you. I'm not kidding.
Speaker 4: Yeah, many leasas have do not have any no nuisance provision.
Speaker 4: But it's really hard to evict on that one because
Speaker 4: it's a question of fact, and the judge will look
Speaker 4: at the circumstances of the arguments that one side is
Speaker 4: saying is harassment, and the other side will say was
Speaker 4: justified under the circumstances because they had advice to complain.
Speaker 3: If you got voicemails from some wacko tenant at two
Speaker 3: am when they're drunk every night. I mean you might
Speaker 3: be able to prove harassment and get them out of there.
Speaker 2: Yeah.
Speaker 4: That's a much murkier type of a case than just
Speaker 4: pay the rent or did you not pay the rent?
Speaker 2: Yeah, I got to I want to wrap this up,
Speaker 2: and Christy, it all comes down to this, Okay, it
Speaker 2: really does. And if you go beyond this, you're gonna lose.
Speaker 2: It all comes down to this. Did you have an
Speaker 2: agreement for the security deposit? And are you following that agreement?
Speaker 2: That's what it's going to come down to. They're going
Speaker 2: to say you're not paying the deposit as you were
Speaker 2: supposed to. You're going to say you had an agreement.
Speaker 2: You better bring whatever evidence you have or some extra
Speaker 2: or or extraneous notes that you've written down so you
Speaker 2: can prove it.
Speaker 5: Everything is documented. Bush for your hope, all good.
Speaker 2: If everything is documented, you're gonna win. If I will
Speaker 2: win if every week?
Speaker 5: But what constitution has or what is take me the terminology?
Speaker 5: Am I retalitative eviction on? How do I prove.
Speaker 4: That retaliation comes into play in the warranty habitability statue?
Speaker 4: If you complained about a habitbility concerned like no heat
Speaker 4: no water termites and then they evict you. That is
Speaker 4: harassment and that the habitability statute prohibits that. Now, the
Speaker 4: only thing you mentioned that would come close to that
Speaker 4: is you talked about some cabinets that were non functioning
Speaker 4: or something. I don't really think that is a habitability item.
Speaker 4: So that so the habitability statue here is not really
Speaker 4: invoked and its own retail clauses also not to vote.
Speaker 2: Yeah, we have to take a break. I mean she's
Speaker 2: either look, you either do what what we're directing you
Speaker 2: or I mean, not do it. We're not giving you
Speaker 2: direct legal advice, but you better look at the substantial
Speaker 2: issue here, Christy, because you're going off on left out
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Speaker 2: three nine zero four to two thousand. Hi Tom Martino. Here,
Speaker 2: Now we go to Eva, who has a question on
Speaker 2: real estate. In real estate, I hope it's a lot
Speaker 2: easier than the last ones we called. All right, Eva,
Speaker 2: what's going on?
Speaker 8: Hello Tom? Yes, I have hopefully an easy question. I
Speaker 8: am trying to figure out in the life things that
Speaker 8: I want to do, and I wanted to give a
Speaker 8: house that I have to a grandchild.
Speaker 2: Oh God, yes, Eva, I know. I know. This is
Speaker 2: Eva who's whose kids are taking advantage of her and
Speaker 2: raping or blind as far as raping and pillaging financially,
Speaker 2: you want to leave your home to your grandson.
Speaker 8: I will actually trust legally it's eagerly legally my son.
Speaker 8: But I want to get out from under it, and
Speaker 8: it needs repairs and stuff, and he's willing to do
Speaker 8: all that. But I want okay, so the pros consfinancial.
Speaker 2: Okay for me?
Speaker 8: I don't need that house, Okay, I want to be okay.
Speaker 2: Now, Eva, I'm gonna I'm gonna talk to you about this,
Speaker 2: and I have before right now, you do not live
Speaker 2: in this house? Is that correct?
Speaker 8: Correct?
Speaker 2: Is the house? Is the house free and clear?
Speaker 5: Yes?
Speaker 8: It is?
Speaker 2: Okay, So you have a paid off you have a
Speaker 2: free and clear, paid off home. You want to leave now,
Speaker 2: you can do it in one of two ways, or
Speaker 2: actually there's more than two. And maybe I don't know
Speaker 2: if Brad talks about this or not, because I know
Speaker 2: he says some is taxes, some stuff fall under the
Speaker 2: realm of taxes and others. But I can tell you
Speaker 2: this for sure. If you leave the home to your
Speaker 2: son while you're alive, if you dat it over to
Speaker 2: your son while you're alive, your son will inherit the
Speaker 2: basis you have on that house. Now, that's not the
Speaker 2: end of the world. Your basis is how much how
Speaker 2: much is your house? Did you buy your house for?
Speaker 8: Oh my gosh, that was so many years ago, probably
Speaker 8: over three hundred thousand, so you.
Speaker 2: Bought it for maybe three point fifty.
Speaker 8: Yeah, probably three forty eight something like that.
Speaker 2: Okay, let's say that your basis. Have you ever put
Speaker 2: major repairs into that home? No? Okay, So let's just
Speaker 2: say for argument's sake, you have a basis of three
Speaker 2: hundred and fifty thousand dollars. Okay, that's a basis. Now
Speaker 2: what that means is what that means is when he
Speaker 2: when you quit claim it to him, he will have
Speaker 2: a basis the same as yours. So if he goes
Speaker 2: to sell it, if he goes to sell it, anything
Speaker 2: above that will be taxed, unless it's this primary residence,
Speaker 2: then he'll get a certain amount of exclusion. The reason
Speaker 2: people wait until death to do this is usually because
Speaker 2: the basis will be higher and that will mean less
Speaker 2: taxes for the heirs. But that doesn't matter. If it
Speaker 2: doesn't matter, for example, is he going to sell the
Speaker 2: house right away or is he going to fix it
Speaker 2: up and live in it.
Speaker 8: He's planning on fixing it up and doing it. Is
Speaker 8: to call the ten thirty one where he gets something else?
Speaker 2: And okay, all right, well it's not called a ten
Speaker 2: thirty one unless you do it ten thirty one, And
Speaker 2: most people don't do ten thirty ones and they don't
Speaker 2: know what they're talking about when they talk about them.
Speaker 2: But in general, maybe Bradton can speak to this. In general,
Speaker 2: if your basis is three point fifty, your son is
Speaker 2: going to inherit that basis. So if he adds to
Speaker 2: that another fifty grand, he'll have a basis of four hundred.
Speaker 2: And since it's not his primary residence, he's doing it
Speaker 2: for investment, then he'll have to pay tax on the gain.
Speaker 2: And that's the way it is, however, Eva, once you
Speaker 2: sign it over.
Speaker 8: To him, go ahead, Oh he does live there.
Speaker 2: Okay, if it's but he's going to have to live
Speaker 2: there after you did it to him, not before, for
Speaker 2: it to be his primary residence. For you know, it
Speaker 2: to be his primary residence. Here's he's going to have
Speaker 2: to live there. He's going to have to live there
Speaker 2: for two years for it to be his primary residence.
Speaker 3: Go ahead, Mark, Well, all we're talking about is to
Speaker 3: tax ramifications. How about the fact she owns his house
Speaker 3: and everything we've ever heard about this child in the
Speaker 3: last ten years, including stealing cars and everything else. I mean,
Speaker 3: she might want that house out of her name because
Speaker 3: she might be liable for the drugs he's cooking up
Speaker 3: in there or whatever.
Speaker 8: Oh good god, are you making up things even I'm not.
Speaker 2: Making I mean, you've called with a lot, You've called
Speaker 2: with a lot of crappy stories over the years. Even
Speaker 2: Here's what I want to know. Are you willing? Are
Speaker 2: you truly? And I need to know this once you
Speaker 2: quit claim that home to him and release it and
Speaker 2: it's his home, are you willing not to bail him
Speaker 2: out when he puts a giant loan on it and forecloses.
Speaker 2: Are you willing to let him go homeless? Because that's
Speaker 2: what's going to happen to him.
Speaker 8: Yeah, that's my fear. But I just want to be
Speaker 8: done with the whole thing.
Speaker 3: I don't think it should be any done with it.
Speaker 3: And for a million reasons.
Speaker 2: If she doesn't want the house and she doesn't care
Speaker 2: the three hundred and fifty thousand she could get for
Speaker 2: selling it, What I would do if I were you, Eva,
Speaker 2: is I would first I would think, why doesn't he
Speaker 2: buy the house? Give me a reason he doesn't have money?
Speaker 8: Exactly?
Speaker 2: Eva? Okay, how is he going to pay for the
Speaker 2: taxes and insurance?
Speaker 8: Well, I'm paying the second half in a couple of days,
Speaker 8: and I'm choosing to pay that, so he won't have
Speaker 8: a property text till January February of next year.
Speaker 2: It doesn't matter when it is, It doesn't matter when
Speaker 2: he not pays it what happens when he doesn't pay
Speaker 2: his taxes the year later or his insurance. What's going
Speaker 2: to happen? Then? Are you going to because you said
Speaker 2: you wanted to wash your hands of it, what I'm
Speaker 2: proposing to you is, Eva, you're not going to wash
Speaker 2: your hands. You're going to sign this home over to
Speaker 2: your grandson and you're going to continue paying all the bills,
Speaker 2: so you're not out from under it. If anything, you've
Speaker 2: complicated your situation because you won't be able to evict him,
Speaker 2: and you'll never be able to sell it, and you
Speaker 2: will be in debt. So, Eva, you're not doing what
Speaker 2: you want to do. What you want to do is
Speaker 2: sell it to him. If he doesn't have the money
Speaker 2: to buy it, he doesn't have the money to pay
Speaker 2: taxes and insurance. What good is what you're doing. You're
Speaker 2: not getting out from under it. It's still going to
Speaker 2: be a burden. Here's what would be better. Even you
Speaker 2: know what would be better. I swear to God, you
Speaker 2: sell the house right now, Sell the house for as
Speaker 2: much as you can get and give him the money.
Speaker 2: Then you can be done with him. Then he'll have
Speaker 2: money that he can blow on drugs and alcohol. And
Speaker 2: all that other stuff, and then you can be done
Speaker 2: with him.
Speaker 8: Excuse me, he's never done alcohol and drugs. You're adding
Speaker 8: things to the story that don't exist.
Speaker 2: Okay, Eva, I want you to live in your la
Speaker 2: la land. Can we agree that this kid is never
Speaker 2: worked and taken advantage of you your whole life, his
Speaker 2: whole life.
Speaker 8: Yeah, oh yeah, okay.
Speaker 2: So what makes you think he's going to change.
Speaker 8: I'm not looking at that. I am wanting to know
Speaker 8: the consequences for me.
Speaker 2: If okay, here are the consequences, Here are the consequences.
Speaker 2: If you deed the house over to him. There are
Speaker 2: no consequences to you except the ones you take on.
Speaker 2: So as soon as you deed the house over to him,
Speaker 2: if he tried, if he sells it, it would be
Speaker 2: good for you. Then he can take the money and run.
Speaker 2: But I think what will happen instead is he's going
Speaker 2: to continue living there. And this home you want to
Speaker 2: get out from under, you're not going to be out
Speaker 2: from under because if it needs a major repair, you're
Speaker 2: going to step up and make the major If he
Speaker 2: needs to pay his taxes, you're gonna step up and
Speaker 2: pay his taxes. If he needs to pay the insurance.
Speaker 2: You're going to step up and pay his insurance. So
Speaker 2: my question to you is this, how designing the home
Speaker 2: over to him get you out from under it?
Speaker 8: You know, I don't know what to say to you.
Speaker 8: I'm not trying to convince you of anything. I just
Speaker 8: want to know what the consequences are for me, Eva, and.
Speaker 2: The consequences I just rolled out. I just rolled out
Speaker 2: the consequences. There are none. Once you sign that house
Speaker 2: over to him, you're done with it. But what I'm
Speaker 2: saying to you is are you really going to be
Speaker 2: done with it? Or are you going to continue to
Speaker 2: pay every single bill he incurs? That's what I'm asking you.
Speaker 2: What makes you think it's going to change when you
Speaker 2: sign the house over to him.
Speaker 8: I would like a moment to tell you his plans.
Speaker 8: And his plan is to get alone on his own
Speaker 8: and refurbish the place and sell it. And you were
Speaker 8: saying that you have to live in it for two
Speaker 8: years before there's no tax consequences. Is that correct?
Speaker 2: Yes? Two of the past five years. Okay, but Eva, Eva,
Speaker 2: I didn't say there are no tax consequences. But he
Speaker 2: gets a pretty sizable exclusion of two hundred and fifty thousand,
Speaker 2: and most likely he'll fall under that, so he won't
Speaker 2: pay tax on the game. But Eva, you have to
Speaker 2: listen to me carefully. He's not going to get a
Speaker 2: loan on his own to fix up the house if
Speaker 2: she gave it to him.
Speaker 3: Wouldn't it be funny if she quit claimed it to
Speaker 3: him and then he got a loan on it by
Speaker 3: getting her to co sign on a new loan.
Speaker 2: That's what That's exactly what's going to happen. That's what
Speaker 2: I'm trying to let her see. But she is so
Speaker 2: totally blind she doesn't see it. Eva, what makes you
Speaker 2: think no? What makes you think no? I want you
Speaker 2: to answer a question, answer question for me. What makes
Speaker 2: you think he will qualify for a loan on his own?
Speaker 8: It doesn't matter. I'm not going to co sign for anything,
Speaker 8: and that's up to him.
Speaker 2: Okay, he's not going to get a loan. So what
Speaker 2: I'm telling you is this, he's not going to sell
Speaker 2: it for a profit, and he's going to still leech
Speaker 2: off of you. You have not changed your life one bit.
Speaker 2: Do you have tax consequences for deating it over to him? No,
Speaker 2: you don't. You don't nope, but it's not going to
Speaker 2: help you. It's not going to do what you want
Speaker 2: it to do. Now, if you truly want to help him,
Speaker 2: I can tell you how to do it. You sell
Speaker 2: your house and give him the money, or get an
Speaker 2: annuity for him that will pay instantly a monthly check.
Speaker 2: That's what you do for him. If you give him
Speaker 2: the house, you are still going to be in a
Speaker 2: world of hurt. But Eva, I don't expect you to
Speaker 2: listen to me, because you've never listened to I don't
Speaker 2: know why you call me, because both your son and
Speaker 2: his son have been raping and pillaging your estate for
Speaker 2: as long as I can remember, and you are a
Speaker 2: total dupe, a total total dupe. In fact, this is
Speaker 2: one where Mark I think her son took out a
Speaker 2: giant loan on her house and she's still paying on that.
Speaker 2: So you're going to be duped the entire rest of
Speaker 2: your life. Thank you, don't bother asking me for advice
Speaker 2: anymore because you don't take it. On this transaction. I
Speaker 2: am telling you to sell the house, get an instant annuity,
Speaker 2: sign it over to that grandson, deadbeat, so he can
Speaker 2: have his monthly income to play with. Because that's really
Speaker 2: then he would really be out of your hair. That's
Speaker 2: the way to do it. Three zero three seven one
Speaker 2: three eight two five five Hi Tom Martine here. Jenna's
Speaker 2: Total Exteriors, by the way, also does mold detection and
Speaker 2: remediation and it's a company you can trust. Genesistotalexteriors dot com.
Speaker 2: Steven has a question on titling a car. Hi Steven,
Speaker 2: what's going on with you?
Speaker 7: A tom So, My sixteen year old nephew is about
Speaker 7: to buy a two thousand and eight Dodge.
Speaker 6: Ram fifteen hundred, and my sister is inquiring about how
Speaker 6: to title and ensure the vehicle. She's not sure if
Speaker 6: they put it in his name their name.
Speaker 2: Well, you can't put you can't. You can't title to
Speaker 2: a minor, Okay, So that takes it out of there, right, Then.
Speaker 6: Her name her name right? And then how do they
Speaker 6: set up the insurance?
Speaker 5: What some like?
Speaker 2: Did they well, his.
Speaker 6: Own insurance under their insurance?
Speaker 3: How do they go it's got to be under there,
Speaker 3: So a minor to get their own insurance for an automobile.
Speaker 2: Okay, No, but she could get a separate policy and
Speaker 2: name him as the primary driver on that one. And
Speaker 2: less of a driver on primary That's where you need
Speaker 2: a good broker to run numbers because there are different
Speaker 2: ways of doing it. As Mark said, he's never going
Speaker 2: to hold his own policy, but she could get a
Speaker 2: car insured with mostly him driving and then less driving
Speaker 2: on the family cars. Sometimes that works most of the time,
Speaker 2: it doesn't most of the time. You get a family plan,
Speaker 2: you ensure the minor drivers in your home under that plan,
Speaker 2: and then you kind of if they have their own
Speaker 2: car under that plan, it will bring down the cost
Speaker 2: a bit. For example, if you only have two cars
Speaker 2: or one car in the family and everyone's insured, they're
Speaker 2: going to a lot pretty substantial equal use to each driver.
Speaker 2: If you have a car like I do, I have
Speaker 2: a family plan and each of my children have their
Speaker 2: own cars under that plan, and they're the primary drivers,
Speaker 2: so they're only rated or they're mostly rated on those cars.
Speaker 2: So it does keep it down a bit, but you're
Speaker 2: still going to pay out the nose, right.
Speaker 3: Mark, Well, you're god, You're definitely going to pay out
Speaker 3: the nose. I mean, the only thing I would disagree
Speaker 3: with is in that scenario you're giving that woman would
Speaker 3: have to have two policies and I think no matter what,
Speaker 3: having a minor, even if he's only going to drive
Speaker 3: the car occasionally, is still going to be high as hell.
Speaker 3: And now you have two policies he's on. She could
Speaker 3: exempt him all together from that one policy. But if
Speaker 3: that kid ever needs a car and his isn't there
Speaker 3: and he takes it out, man, she could lose everything.
Speaker 2: Yeah. Now, whether or not to have two policies or one. Listen,
Speaker 2: what I'm saying is and I agree with Mark, and
Speaker 2: that's why I said the best thing is to have
Speaker 2: a family plan, but to have cars designated for the kids.
Speaker 6: Yes, everything you guys are saying makes absolutely sense.
Speaker 2: Okay, I would have you ever called Compass Insurance and
Speaker 2: have them run the numbers.
Speaker 6: No, and I've directed my sister there to Compass Insurance.
Speaker 6: I will definitely do that again.
Speaker 2: And yeah, more importantly, they're going to shop.
Speaker 3: They're going to know what companies out of the twenty
Speaker 3: or thirty companies they shop for you that are easier
Speaker 3: or cheaper for student drivers or miners.
Speaker 2: Right, Okay, that's right. Yes, Now listen what I'm what
Speaker 2: I'm going to tell you is Compass Insurance with three
Speaker 2: zero three nine nine six nine. Okay, yep, got it.
Speaker 2: And and by the way, if it depending on where
Speaker 2: you have your homeowners if you do your home and
Speaker 2: your cars through one agency, that's another way you might
Speaker 2: save money. They'll run the numbers for you. And here's
Speaker 2: what I like. They're not afraid to tell you, hey,
Speaker 2: we can't save you money. In fact, there were a
Speaker 2: few years. There were a few years Mark did not
Speaker 2: go with Compass because Compass itself said, look, we can't
Speaker 2: save you any money. And then when it was time,
Speaker 2: they could save them money. So they're really upfront and
Speaker 2: honest about that. We got more coming right up, Hi,
Speaker 2: Tom Martino. You're a troubleshooter. Mark. We've had some pretty
Speaker 2: damn big cases this hour, this show. I want to
Speaker 2: bring up Go Cat speed Shop. They're bad news. We
Speaker 2: got game man, We've got to I will. I'm going
Speaker 2: to work on that. I'm working on sleeves cread. I
Speaker 2: really am Eric Brown seven years ago to be rebuilt.
Speaker 2: He got this engine, he got paid seventy five dollars
Speaker 2: up front, give me five hundred, seventy five hundred. Yeah,
Speaker 2: I'm sorry, seventy five hundred up front. Never got anything
Speaker 2: in return. This consumer will, so stay away from Gokat
Speaker 2: speed Shop Eric Brown. Eric says, I'm trying to keep
Speaker 2: customers away from him. Eric, you are one hundred percent right.
Speaker 2: You are one hundred percent right based on your background
Speaker 2: and how you've handled this case, yes, and your court records.
Speaker 2: We are telling people to stay away from Gokat speed Shop.
Speaker 2: I'm even gonna give you the number so you can
Speaker 2: let him know the ramifications of his actions. And mister
Speaker 2: attorney who might be representing him, listen you more on
Speaker 2: come after me if you want. But you're gonna lose
Speaker 2: because I am basing this on solid opinion based on
Speaker 2: research on the Internet, on the court documents, and also
Speaker 2: live consumer cases who have been ripped off by this scumbag,
Speaker 2: Eric Brown. So if you want to let Eric Brown
Speaker 2: know that you know about him, that might help get
Speaker 2: people paid. That is my goal. Not to be not
Speaker 2: to be vulgar, not to be violent, not to be stupid,
Speaker 2: just let them know we know about you. Seven to
Speaker 2: zero two eight four seventeen ninety seven two zero two
Speaker 2: eight four seventeen ninety Now the other one, listen to this.
Speaker 2: It's called Denver Family Dent Repair. Bobby Ward, the scum
Speaker 2: bag up there. She is a scum sucking pig. Based
Speaker 2: on what we have found out, she has taken fifty
Speaker 2: eight hundred dollars and kept it from an insurance company. Nope,
Speaker 2: never did a thing. She enriched herself, deposited the check
Speaker 2: August second, twenty twenty four and kept the money. That's
Speaker 2: Family Dent, Denver Family Dents. And I'm gonna give you
Speaker 2: the number for Bobby scumbag so you can tell Bobby
Speaker 2: scumbag that we know about that scumbag. Okay, that's a
Speaker 2: good way to do it. Nine seven zero he's seven
Speaker 2: zero eight nine three sixty four sixty one. Nine seven
Speaker 2: zero eight nine three sixty four sixty one. Okay. We're
Speaker 2: gonna finish up with Brad O'Brien O'Brien Legal Services, Brad
Speaker 2: very quickly. When it comes to navigating today's landscape as
Speaker 2: a landlord, would you say the just cause part of
Speaker 2: the lease is the most difficult one.
Speaker 4: Because it's a constantly moving target. Tom, I think landlords
Speaker 4: really have to have an attorney.
Speaker 2: That's what I believe in all times olslaw dot com.
Speaker 2: He can do it for you. Seven to zero three
Speaker 2: seven zero seventy three eighty eight. That's olslaw dot com
Speaker 2: and remember three oh three Martino. Follow Tom Martino at
Speaker 2: Real Tom Martino and stay connected with all all of
Speaker 2: us at six thirty k kayhow dot com and on
Speaker 2: the iHeartRadio app. This is Denver's talk station, six thirty
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