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<v Speaker 1>Y'all ripped up news. You need advice, so.

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<v Speaker 2>You don't have.

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<v Speaker 3>Come running as fast.

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<v Speaker 4>As we can.

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<v Speaker 1>Shooter's gonna help come Man.

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<v Speaker 5>Dix is the Troubleshooter Show. Now, Tom Martino, Hello.

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<v Speaker 6>Tom Martino here, Welcome to the show.

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<v Speaker 7>This hour brought to you by or this show Today.

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<v Speaker 6>Buddy Mitchell simply Floorsinc. Dot Com, I should say, Buddy

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<v Speaker 6>and Karen Mitchell. She's really the brains, and I gotta

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<v Speaker 6>tell you it's a great place to go for floor coverings,

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<v Speaker 6>Simply floor sink. We'll be talking to him, but we're

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<v Speaker 6>gonna talk to our callers first. Now here's what happens.

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<v Speaker 6>You call three h three Martino, you get right through.

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<v Speaker 6>If we're not here, you leave a message. We'll get

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<v Speaker 6>back to you. As David will attest to Jamie and Paul,

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<v Speaker 6>they've all gotten called back, so we're gonna go to

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<v Speaker 6>them first, and then you can call in also at

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<v Speaker 6>three three.

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<v Speaker 7>Seven one three talk.

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<v Speaker 6>I hope in all of this madness, you know, we

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<v Speaker 6>really do have a lot of crap going on. I've

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<v Speaker 6>never seen people more upset and divided, and it's not

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<v Speaker 6>just election years. I don't know what's going on and

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<v Speaker 6>you know it's not my father talking, or my mother

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<v Speaker 6>or my grandmother.

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<v Speaker 7>It really is happening, man. People are just getting so

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<v Speaker 7>pissed off.

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<v Speaker 6>In fact, there's an article on marriages breaking up over

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<v Speaker 6>political division.

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<v Speaker 7>I don't know why we can't just get along? Right?

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<v Speaker 7>Who said that? Anyway?

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<v Speaker 6>By the way, and this has to do with disagreeing,

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<v Speaker 6>you can no longer disagree. If you disagree, you're a hateful,

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<v Speaker 6>disgusting person. And perpetrating most of that hate is the

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<v Speaker 6>Digital Center against or the Center against digital hate. It's

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<v Speaker 6>amazing the groups that are supposedly fighting hate create more

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<v Speaker 6>division than anyone in the world.

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<v Speaker 7>But I digress. Listen, this is not a political show.

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<v Speaker 6>Although I have comments here and there is speaking of

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<v Speaker 6>comments here and there and everywhere.

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<v Speaker 7>Is a major Mark Major on of course I am

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<v Speaker 7>major Mark Major. Okay, what do you have to say?

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<v Speaker 8>Well, I'm glad Buddy Mitchell's in. Honestly, man, those guys

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<v Speaker 8>do a knock up job. People that need flooring. I

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<v Speaker 8>can't say it enough. He's been out to our house

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<v Speaker 8>numerous time. He's done a lot of stuff, and he

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<v Speaker 8>does a great job. And I love the fact that

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<v Speaker 8>he comes to you I mean, he's got those three showrooms,

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<v Speaker 8>but I like him when he comes out.

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<v Speaker 6>Now, let's talk to David. Now, this is an interesting

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<v Speaker 6>topic mold. In fact, I'm not sure mold is on

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<v Speaker 6>the disclosure?

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<v Speaker 9>Is it?

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<v Speaker 7>Mark? Do you know if mold is on the UH

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<v Speaker 7>seller's disclosure You've I don't know if it is.

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<v Speaker 6>Actually, Let's ask Frank drand the real estate man if

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<v Speaker 6>you could really quickly, and then we want to talk

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<v Speaker 6>to Mark Schamansky about mold because he's an expert at mold.

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<v Speaker 6>He has Genesis tootalexteriors dot Com by the way they

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<v Speaker 6>do mold mitigation. Let's talk to first David and then meanwhile, Kachina,

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<v Speaker 6>if you could try to give Frank Dranda real estate man,

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<v Speaker 6>I'd like to ask him about it. David, what's going on?

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<v Speaker 4>Okay?

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<v Speaker 10>So this isn't after the fact situation.

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<v Speaker 7>Sure, sure, what's going on?

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<v Speaker 3>Okay?

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<v Speaker 10>I had bought a mobile home and the seller must

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<v Speaker 10>have actually known that there was number one, a previous fire.

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<v Speaker 10>They have not remodeled. They fixed the mobile home, and

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<v Speaker 10>they did it insufficiently, and there was actually leakage from

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<v Speaker 10>the roof or whatever. There was mold in the walls,

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<v Speaker 10>there was mold in the floor, and so when I

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<v Speaker 10>bought it, I do not honestly believe that the lady disclosed.

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<v Speaker 11>These these problems.

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<v Speaker 7>Okay, hey may, I asked David, when did you buy it?

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<v Speaker 10>Okay, this was in twenty twenty one, twenty twenty one.

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<v Speaker 7>Now when did you discover all of this?

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<v Speaker 10>Well, shortly after I bought it, I started trying to repair.

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<v Speaker 6>I also want to get Brad O'Brien on O'Brien legal services,

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<v Speaker 6>he does real estate law.

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<v Speaker 7>I'll go ahead, keep going. Now, is this a deed?

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<v Speaker 7>Is this a deed or a title?

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<v Speaker 10>Well, it was, it was deeded to a piece of property.

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<v Speaker 6>Here's what I'm asking. Is it on a private lot

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<v Speaker 6>or is it in a mobile home park?

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<v Speaker 10>No, it was on a private lot. And that's my

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<v Speaker 10>question is what is the statue of limitations?

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<v Speaker 7>Well, we have to find all this out. So here's

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<v Speaker 7>what we're going to do.

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<v Speaker 6>Hold on, we want Brad O'Brien, O'Brien legal service, is

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<v Speaker 6>we want Frank Duran, the real estate man. And then

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<v Speaker 6>we'll also talk to Mark Schamanski about mold. So you

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<v Speaker 6>hang on, do not hang up. We're going to come

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<v Speaker 6>back to you all right now, Paul says he was scammed.

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<v Speaker 7>Out of eighteen grand. I'm sure. I don't know what

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<v Speaker 7>that's about.

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<v Speaker 12>Paul.

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<v Speaker 7>What's going on? Are you there?

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<v Speaker 3>Paul?

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<v Speaker 13>I am here?

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<v Speaker 7>How were you scammed? Sir? How were you scammed?

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<v Speaker 14>In January of this year, I was approached by I

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<v Speaker 14>live in Windsor, Colorado, and I was approached by a

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<v Speaker 14>local Windsor businessman to invest the money with him to

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<v Speaker 14>help him grow his business.

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<v Speaker 7>And how much did you invest?

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<v Speaker 9>Fifteen thousand?

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<v Speaker 7>Now?

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<v Speaker 13>Did you.

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<v Speaker 7>Did you have anything in writing?

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<v Speaker 13>I did?

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<v Speaker 6>And what were you supposed to get for this fifteen grand?

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<v Speaker 6>Were you getting ownership or what? Were you going to get?

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<v Speaker 14>A six month loan to help him buy a piece

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<v Speaker 14>of equipment for his business?

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<v Speaker 11>That was so.

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<v Speaker 7>It was a loan. It was not an investment. It

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<v Speaker 7>was a loan. Is that right?

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<v Speaker 13>That's correct?

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<v Speaker 6>Okay, that's important. And you loan fifteen grand to the business.

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<v Speaker 6>Now what did he also sign personally? Yes, you're sure

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<v Speaker 6>of that.

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<v Speaker 15>I am sure.

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<v Speaker 14>In fact, the loan was to him for his business.

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<v Speaker 6>Okay, okay, good Now what I want to know is

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<v Speaker 6>what were the terms and conditions?

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<v Speaker 7>It was a six month loan, a.

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<v Speaker 14>Six month loan with interest and light cheese if the

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<v Speaker 14>payments were not made on time and so.

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<v Speaker 7>And what happened? Okay, and what happened? What went wrong?

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<v Speaker 14>Well, no payments were ever made. I don't believe that

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<v Speaker 14>the piece of equipment that he told me he wanted

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<v Speaker 14>to purchase to help him grow his business was ever made.

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<v Speaker 7>What equipment was that, sir? What equipment?

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<v Speaker 14>Well, he's a he's a car detailer, and he wanted

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<v Speaker 14>to expand his business to include something called vinyl wrap.

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<v Speaker 7>How long was he in business?

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<v Speaker 14>Oh, he's been in business for probably two to three years.

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<v Speaker 14>And I've actually done business with him, and that's how

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<v Speaker 14>we came in contact over this. I've had him detail

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<v Speaker 14>some cars for me in the past.

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<v Speaker 6>And okay, so hold on, So where does this stand

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<v Speaker 6>right now? When did you loan that money? Six how

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<v Speaker 6>long ago?

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<v Speaker 15>In January? January?

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<v Speaker 6>You said that? I'm sorry you said that? Okay, February

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<v Speaker 6>March every man. Okay, So he's passed due. So what

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<v Speaker 6>is he saying about it now?

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<v Speaker 14>Well, it's just been a series of uses, he said. Well,

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<v Speaker 14>they dropped the machine trying to load it into my car.

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<v Speaker 6>So did you have a security agreement of any kind

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<v Speaker 6>or any kind of collateral.

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<v Speaker 13>I did not.

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<v Speaker 7>So all you have now is the All you have

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<v Speaker 7>now would be the ability to get a judgment that

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<v Speaker 7>is correct.

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<v Speaker 14>And what what I didn't know at the time. I'm

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<v Speaker 14>a senior citizen. I'm eighty years old.

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<v Speaker 7>Oh my goodness, Okay, principle okay, and.

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<v Speaker 14>So my mo I guess you'd say is has always

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<v Speaker 14>been to help people, you know, better their lives. This

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<v Speaker 14>guy has six children.

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<v Speaker 7>You're a very kind man.

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<v Speaker 6>You know. I've actually done a lot of this kind

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<v Speaker 6>of crap and been burned so many times. I can't

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<v Speaker 6>even tell you, Honest to God, I don't know. I

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<v Speaker 6>don't even I don't learn a lesson. I guess I've

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<v Speaker 6>done a lot of different things. I mean, I'm not

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<v Speaker 6>going to try to toot my horn right here, but

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<v Speaker 6>I need to tell you that I'm always getting kicked

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<v Speaker 6>in the face.

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<v Speaker 7>Yeah.

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<v Speaker 16>Well, yeah, you know.

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<v Speaker 14>I just believed him, and I believed in him, and

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<v Speaker 14>that was by mistake.

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<v Speaker 13>I guess.

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<v Speaker 6>I think the only thing you can do right now, Paul, really,

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<v Speaker 6>the only thing you can do, and Buddy, you can

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<v Speaker 6>chime in. You're a businessman, a practical thinker. In fact,

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<v Speaker 6>I want to include you in more than just floor calls.

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<v Speaker 7>But you do have a very logical mind. I'm thinking

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<v Speaker 7>this guy his main deal is a judgment. That's what

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<v Speaker 7>I'm thinking. It's a judgment. Yeah, that's it. That's all

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<v Speaker 7>he can do.

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<v Speaker 17>That's what Yeah, swim and small claims court.

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<v Speaker 6>Get a judgment, Well, if it's fifteen grand, it'll have

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<v Speaker 6>to be county court. But if you get a judgment,

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<v Speaker 6>then you can start attaching stuff that he owns, vehicles,

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<v Speaker 6>real estate, anything.

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<v Speaker 7>Does he own anything?

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<v Speaker 14>That's what I don't know. And what I've found out

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<v Speaker 14>since is that he declared bankruptcy and two twenty one?

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<v Speaker 6>But did he It doesn't matter. Now that's good news.

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<v Speaker 6>Do you know why it's good news?

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<v Speaker 7>Buddy?

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<v Speaker 17>He can't do it again.

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<v Speaker 6>He can't do it again. Did he do it? Chapter seven?

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<v Speaker 15>I don't know?

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<v Speaker 6>Okay, Well that's good. Guess what it's before your bill,

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<v Speaker 6>not after. He can't go bankrupt. If you get a judgment,

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<v Speaker 6>this guy's going to be in a world of hurt.

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<v Speaker 7>Yeah.

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<v Speaker 14>And so what I've come to find out is that

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<v Speaker 14>for me to pursue this legally, then I have to

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<v Speaker 14>hire a lawyer spend more money to try to.

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<v Speaker 6>Well, it's going to take something unless you County court

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<v Speaker 6>doesn't necessarily need an attorney for this. You can go

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<v Speaker 6>to county court. I forget the limit of county court

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<v Speaker 6>right now? The maximum seventy five hundred small claims court. Okay,

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<v Speaker 6>so you could go for small claims court.

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<v Speaker 7>I don't know, man, what do you think you don't

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<v Speaker 7>want to do that?

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<v Speaker 14>Well, you mean try to recover at least part of

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<v Speaker 14>my money?

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<v Speaker 18>Yeah?

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<v Speaker 13>Is that?

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<v Speaker 7>Well?

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<v Speaker 19>No?

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<v Speaker 6>Or go to county court like county court, Frank, I'm

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<v Speaker 6>looking up county court right now.

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<v Speaker 7>The maximum is twenty.

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<v Speaker 6>Five thousand dollars in county courts in Colorado. It was

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<v Speaker 6>increased in twenty nineteen from fifteen to twenty five. So

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<v Speaker 6>seventy five hundred is small mark. Seventy five hundred still

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<v Speaker 6>small claims right?

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<v Speaker 7>Or did it go out as of this second? I believe? So?

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<v Speaker 6>Oh oh, you believe it's seventy okay, but twenty five

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<v Speaker 6>thousand it would be county court. Listen, County court is

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<v Speaker 6>not an insurmountable task unless he lawyers up. But if

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<v Speaker 6>he doesn't, you can just you can just write out

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<v Speaker 6>a complaint, have him served, go to county court, show

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<v Speaker 6>the agreement, show the default, get a judgment. He likely

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<v Speaker 6>won't even show up. I mean I would take a

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<v Speaker 6>shot at it.

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<v Speaker 7>Yeah, why not.

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<v Speaker 14>Probably that's probably my only course of action. His latest

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<v Speaker 14>promise was that his mother was going to loan him

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<v Speaker 14>fifteen thousand, but then her father died in Kansas since

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<v Speaker 14>she had to go back for a funeral, and then

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<v Speaker 14>she was supposed to pay me when she got back

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<v Speaker 14>from the funeral, And of course that never happened.

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<v Speaker 7>It's just been Now remember this.

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<v Speaker 6>If he lawyers up, you're going to have a problem.

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<v Speaker 6>But you can file.

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<v Speaker 7>Here's what you do.

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<v Speaker 6>You have to represent yourself. That's called pro se. So

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<v Speaker 6>you prepare the documents. They're online, the required forms. You

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<v Speaker 6>go to the Colorado Judicial Branch website. Okay, I'll try

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<v Speaker 6>to find that url for you. It's Colorado Judicial dot gov. Okay,

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<v Speaker 6>all of the forms are there. Did you get that

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<v Speaker 6>Colorado Judicial dot gov. You go to the self help forms.

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<v Speaker 6>Go to the self help forms. File your case. You

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<v Speaker 6>can do it. E filing, you can do it. If

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<v Speaker 6>you register as an e filer, then you serve the defendant,

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<v Speaker 6>not you. Personally, but you have somebody serve him and

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<v Speaker 6>then you go to the hearing. If you tell your

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<v Speaker 6>story unless he lawyers up, you don't need one.

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<v Speaker 7>Now why do I say you need one?

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<v Speaker 6>If he lawyers up, Mark, tell him why even if

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<v Speaker 6>he's right telling me, because he'll.

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<v Speaker 8>Get out and maneuvered and can lose his ass and

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<v Speaker 8>end up paying the other person's attorney's fees.

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<v Speaker 7>With the rules of civil procedure.

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<v Speaker 6>But I would try pro say first, and I really would,

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<v Speaker 6>And I want you to call me back, and.

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<v Speaker 7>I want you I'm not putting you off. I want

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<v Speaker 7>you to do this.

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<v Speaker 6>If you have any trouble with any part of it,

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<v Speaker 6>you call literally three to zero three Martino. Tom, this

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<v Speaker 6>is Paul, the eighty year old man. I'm having trouble

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<v Speaker 6>with this. Fore or I'm having trouble with this, We

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<v Speaker 6>will get back to you. I'm Tom Martino. We have

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<v Speaker 6>more coming right up. Go with a sure thing Denver's

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<v Speaker 6>best rufer Excel roofing dot com. You don't pay a

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00:14:15.600 --> 00:14:21.720
<v Speaker 6>cent until you're content. Time for an insurance check up

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00:14:21.840 --> 00:14:25.639
<v Speaker 6>free no obligation. In comparison, call Compass Insurance paying too

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00:14:25.720 --> 00:14:28.799
<v Speaker 6>much your coverage at dozens of insurance companies find out

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<v Speaker 6>now three oh three seven seven to one.

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<v Speaker 7>Help.

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<v Speaker 6>You'll think you're his only customer when you choose Frank

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<v Speaker 6>durand the real estate Man dot com to list your

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<v Speaker 6>home with Remax Alliance three all three nine two zero

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<v Speaker 6>sixteen twenty two. Hi, Tom Martino, your trouble shooter three

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<v Speaker 6>O three seven one three talk three oh three seven

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<v Speaker 6>one three eight two five five.

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<v Speaker 7>Okay, So I want to.

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<v Speaker 6>Uh go back to David. Hey, Frank durand the real

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<v Speaker 6>estate Man. I want to ask quick question.

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<v Speaker 7>Is mold part of a disclosure?

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<v Speaker 16>Good morning Tom. The answer is yes. Here's the thing.

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<v Speaker 16>Two things on that on the seller's property disclosure item

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<v Speaker 16>too moisture, under water, you would disclose there. But here's

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<v Speaker 16>the second part of it. There's a portion where the

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00:15:16.919 --> 00:15:19.679
<v Speaker 16>buyer signs where it says the buyer should also have

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<v Speaker 16>the property tested for a number of things, including the

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<v Speaker 16>presence of mold or biological hazards. So that's on there

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<v Speaker 16>a couple of times where they have that opportunity.

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<v Speaker 7>Now, what do you think?

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<v Speaker 6>First of all, is a mobile home on a private lot?

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<v Speaker 7>Is that considered real estate?

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<v Speaker 16>So Tom, here's the deal. If they own the land

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<v Speaker 16>and it's purged to the land, we can sell it

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<v Speaker 16>as real estate if it's if they're renting the lot.

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<v Speaker 16>The answers, no, it would be sold kind of like

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<v Speaker 16>a car.

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<v Speaker 6>Okay, But in this case, it was on a lot

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<v Speaker 6>owned by the Let me get that straight, David, you

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00:15:53.399 --> 00:15:54.360
<v Speaker 6>did buy both.

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<v Speaker 7>The lot and the mobile home. Is that right? David? Did?

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<v Speaker 7>He's okay?

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00:16:02.919 --> 00:16:07.039
<v Speaker 6>And David, David, do you so you have a mobile

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<v Speaker 6>home on a lot and you bought both and you

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<v Speaker 6>did a disclosure statement?

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<v Speaker 20>Uh?

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<v Speaker 10>Well, I yes, I believe I did, but I did

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<v Speaker 10>not have an inspection.

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<v Speaker 6>Okay, But hold on, here's the next thing I want

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00:16:22.639 --> 00:16:26.759
<v Speaker 6>to ask. This was due to water damage?

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<v Speaker 10>You said, Well, yes, I believe so, but I don't

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<v Speaker 10>know that for a fact.

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<v Speaker 7>You said there was a previous fire. How do you

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<v Speaker 7>know that.

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<v Speaker 10>Because of the evidence. When I actually tore it down,

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<v Speaker 10>you could see that that there was.

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<v Speaker 21>That there was burnt wood.

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<v Speaker 6>That was when you tear You didn't tear the whole

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<v Speaker 6>mobile home down, did you.

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<v Speaker 3>Oh?

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<v Speaker 21>Yes, sir?

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<v Speaker 6>So what are you calling about now? I guess I

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<v Speaker 6>guess there's what are you calling about?

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<v Speaker 7>Now? Your evidence is gone?

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<v Speaker 2>Well?

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<v Speaker 10>Correct?

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<v Speaker 21>Correct?

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<v Speaker 10>So well, about the statue of limitation.

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<v Speaker 6>Well, what difference does it make if you sued right now?

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<v Speaker 6>If you sued right now on non disclosure of issues,

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<v Speaker 6>there's no remedy, no remediation, no way to go back

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<v Speaker 6>and fight, no way to defend themselves.

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<v Speaker 7>What would it matter? You destroyed your evidence?

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<v Speaker 10>Well, correct, and that's you.

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<v Speaker 6>Destroyed everything, David. You tore the damn house down? Is

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<v Speaker 6>did you carry away the debris?

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<v Speaker 3>Yes?

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<v Speaker 1>Oh?

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<v Speaker 15>Bro?

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<v Speaker 6>What do you got a lot? Now you have a lot?

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<v Speaker 6>What did you pay for this whole thing?

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<v Speaker 22>Too much?

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<v Speaker 15>Too much?

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<v Speaker 21>Come on two and ninety five?

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<v Speaker 6>What kind of what size lot?

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<v Speaker 10>One point two acres?

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<v Speaker 6>Okay, listen, what are what would one point two acres

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<v Speaker 6>go for in and of itself?

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<v Speaker 10>Oh, like than one hundred thousand or something?

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<v Speaker 6>Okay, Well, David, seriously, there's no reason for us to

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<v Speaker 6>go on. I mean, you tore down the damn house

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<v Speaker 6>and carried it away, even if you were within the statute.

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<v Speaker 6>But Frank, do you think isn't it like three years

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<v Speaker 6>for uh, non disclosure issues on a home?

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<v Speaker 7>I don't know. I don't know for sure, do you, Frank?

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<v Speaker 4>You know, Tom?

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<v Speaker 16>I don't know that there's even a cap on that.

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<v Speaker 16>I think that that can go on forever.

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<v Speaker 7>I mean with real estate, I don't know if it

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<v Speaker 7>can go on forever.

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<v Speaker 6>I think there's there's a certain amount, there's a certain

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<v Speaker 6>statute a little bit.

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<v Speaker 16>I don't know if there's an actual cap on that, Tom,

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<v Speaker 16>I can find out. I just don't know.

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<v Speaker 7>Yeah, yeah, yeah, yeah.

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<v Speaker 6>But but here's the bottom line. It doesn't matter. It

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<v Speaker 6>really doesn't matter at this point. I mean, you can't

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00:18:46.440 --> 00:18:49.440
<v Speaker 6>do anything. You know, I don't even know why we're talking.

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00:18:49.480 --> 00:18:51.640
<v Speaker 6>I mean, I would love to be able to help you.

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00:18:51.680 --> 00:18:55.680
<v Speaker 6>But first of all, Frank, would they if it was

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00:18:55.799 --> 00:18:58.319
<v Speaker 6>flooded or fire or previous damage?

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00:18:58.359 --> 00:18:59.920
<v Speaker 7>Do they have to disclose any of that?

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<v Speaker 16>Yes, any information like that would be considered a versus

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00:19:04.799 --> 00:19:06.480
<v Speaker 16>material fact, Tom, So they would.

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00:19:06.240 --> 00:19:11.640
<v Speaker 6>Disclose that, okay if okay, all right, fine, and here's

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00:19:11.680 --> 00:19:17.759
<v Speaker 6>the deal that would have happened. I think at this point,

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<v Speaker 6>I'm going to be straight with you, David. I think

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<v Speaker 6>you'd waste money going to an attorney.

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<v Speaker 13>Yeah.

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<v Speaker 7>I don't even know how.

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00:19:24.720 --> 00:19:27.799
<v Speaker 6>I mean, how would you even do it? I I

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00:19:28.119 --> 00:19:32.240
<v Speaker 6>unless you know, I'd love to talk to our real

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00:19:32.319 --> 00:19:35.200
<v Speaker 6>estate attorney when we get a chance, too, And then

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<v Speaker 6>I want to go now back to Mark Schamansky real quick.

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<v Speaker 6>Thank you, Frank Duranda real estate man dot com. By

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00:19:40.519 --> 00:19:42.480
<v Speaker 6>the way, if you need an analysis of your property

396
00:19:42.759 --> 00:19:44.960
<v Speaker 6>free of charge, what it will sell for, what you'll net,

397
00:19:45.000 --> 00:19:47.240
<v Speaker 6>what you can buy. He looks at the entire market

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00:19:47.319 --> 00:19:50.279
<v Speaker 6>right now with interest rates and everything, and he truly

399
00:19:50.319 --> 00:19:53.039
<v Speaker 6>gives you a pretty accurate assessment of what you can

400
00:19:53.079 --> 00:19:55.559
<v Speaker 6>sell your house for. It's not an appraisal, it's a

401
00:19:55.680 --> 00:19:58.440
<v Speaker 6>market price based on his experience. Three h three nine

402
00:19:58.519 --> 00:20:03.759
<v Speaker 6>two zero sixteen twenty two. Let's talk to Mark Schamansky,

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00:20:03.839 --> 00:20:10.519
<v Speaker 6>Genesis tootalexteriors dot com. He also does mold remediation mold eradication.

404
00:20:10.920 --> 00:20:14.079
<v Speaker 6>If there was a mobile home and there was mold,

405
00:20:14.200 --> 00:20:17.359
<v Speaker 6>can you remove mold from a mobile home? Or does

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00:20:17.400 --> 00:20:20.680
<v Speaker 6>it get sometimes marked so ridiculous it may not be

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00:20:20.759 --> 00:20:23.119
<v Speaker 6>worth saving. And I don't know if I hope I'm

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00:20:23.160 --> 00:20:24.519
<v Speaker 6>asking a logical question.

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00:20:26.039 --> 00:20:28.000
<v Speaker 3>Well, I think it just depends on the value of

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00:20:28.039 --> 00:20:30.000
<v Speaker 3>the home. Like you said, I mean, if it's something

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00:20:30.359 --> 00:20:32.559
<v Speaker 3>not of much value, then probably not worth it. I

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00:20:32.559 --> 00:20:34.640
<v Speaker 3>guess if it's a brand new one or a newer

413
00:20:34.680 --> 00:20:37.680
<v Speaker 3>one that you know you can take apart and clean.

414
00:20:37.839 --> 00:20:41.279
<v Speaker 3>That would be an ideal situation or.

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00:20:41.279 --> 00:20:42.920
<v Speaker 7>Like a modular maleally different.

416
00:20:44.599 --> 00:20:47.480
<v Speaker 6>What's normally involved in remediating mold?

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00:20:47.640 --> 00:20:53.160
<v Speaker 3>Mark basically be able to get to it and remove

418
00:20:53.200 --> 00:20:56.839
<v Speaker 3>any can you know, remove it any contaminated material that

419
00:20:56.920 --> 00:20:59.000
<v Speaker 3>you can remove, and then treat the ones that you

420
00:20:59.039 --> 00:21:00.680
<v Speaker 3>can't remove, uh.

421
00:21:00.759 --> 00:21:03.880
<v Speaker 6>With you know, special chemicals that that's what it's made for,

422
00:21:04.519 --> 00:21:05.799
<v Speaker 6>and then you seal it and go on.

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00:21:07.200 --> 00:21:09.720
<v Speaker 16>That's right, That is correct, okay.

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00:21:10.000 --> 00:21:13.799
<v Speaker 6>And of all the calls you get on mold, what

425
00:21:13.960 --> 00:21:17.400
<v Speaker 6>percentage is dangerous mold? I mean it all, it all

426
00:21:17.440 --> 00:21:22.119
<v Speaker 6>wants to be stopped, obviously, right, and you want to get.

427
00:21:22.000 --> 00:21:22.359
<v Speaker 1>Rid of it.

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00:21:22.519 --> 00:21:23.720
<v Speaker 7>We have go ahead.

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00:21:23.720 --> 00:21:27.000
<v Speaker 3>Most mold we have here in Colorado's black mold, and

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00:21:27.119 --> 00:21:31.200
<v Speaker 3>there's two hundred different species of black mold, and so

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00:21:31.279 --> 00:21:33.200
<v Speaker 3>you got to watch for the ones that are dangerous

432
00:21:33.720 --> 00:21:35.319
<v Speaker 3>and to see it. That's the one you have.

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00:21:35.839 --> 00:21:38.720
<v Speaker 6>Okay, But of course you want to get rid of it,

434
00:21:38.759 --> 00:21:43.359
<v Speaker 6>even if it's not so called toxic. But but for sensitivities.

435
00:21:43.400 --> 00:21:46.920
<v Speaker 6>But uh, there's different levels for different things. Mark, thank

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00:21:46.960 --> 00:21:50.599
<v Speaker 6>you very much, Genesis tootalexteriors dot com.

437
00:21:50.720 --> 00:21:51.599
<v Speaker 7>Uh, when we.

438
00:21:51.559 --> 00:21:54.440
<v Speaker 6>Get a chance, I'd like to ask the statutal limitations

439
00:21:54.480 --> 00:21:58.759
<v Speaker 6>for disclosure issues on real estate from Brad O'Brien O'Brien

440
00:21:58.880 --> 00:22:01.720
<v Speaker 6>Legal Services. Uh, we have more coming up. I have

441
00:22:01.799 --> 00:22:05.559
<v Speaker 6>Buddy Mitchell with us from Simplyfloorsinc. Dot com and eight

442
00:22:05.680 --> 00:22:08.119
<v Speaker 6>eight eight heating dot com. Right now, we'll take a

443
00:22:08.119 --> 00:22:10.960
<v Speaker 6>look at your ac your furnace going into fall, whatever

444
00:22:11.000 --> 00:22:15.240
<v Speaker 6>you need. You can depend on them for honest assessments

445
00:22:15.240 --> 00:22:19.000
<v Speaker 6>of what you have and free second opinions always eight

446
00:22:19.039 --> 00:22:21.279
<v Speaker 6>eight eight Heating dot com three oh three seven seven

447
00:22:21.359 --> 00:22:29.519
<v Speaker 6>zero two seven seven six Go with a sure thing

448
00:22:29.640 --> 00:22:32.440
<v Speaker 6>Denver's best roofer Excel Roofing dot com.

449
00:22:32.480 --> 00:22:34.519
<v Speaker 7>You don't pay a cent until you're content.

450
00:22:37.880 --> 00:22:41.079
<v Speaker 6>Time for an insurance check up free no obligation comparison

451
00:22:41.200 --> 00:22:44.759
<v Speaker 6>call Compass Insurance paying too much your coverage at dozens

452
00:22:44.759 --> 00:22:47.480
<v Speaker 6>of insurance companies find out now three oh three seven

453
00:22:47.599 --> 00:22:50.400
<v Speaker 6>seven to one help. You'll think you're his only customer

454
00:22:50.440 --> 00:22:52.680
<v Speaker 6>when you choose Frank durand the real estate Man dot

455
00:22:52.720 --> 00:22:56.039
<v Speaker 6>com to list your home with Remax Alliance three oh

456
00:22:56.079 --> 00:23:01.359
<v Speaker 6>three nine two zero sixteen twenty two. All right, Tom

457
00:23:01.400 --> 00:23:07.279
<v Speaker 6>Martinez here the statute of limitations for non disclosure is

458
00:23:07.440 --> 00:23:15.000
<v Speaker 6>three years from discovery. But the absolute statute of limitations,

459
00:23:15.720 --> 00:23:19.279
<v Speaker 6>meaning a statute of repose where you cannot bring a suit,

460
00:23:19.680 --> 00:23:24.720
<v Speaker 6>is six years for non disclosure, So you have three

461
00:23:24.799 --> 00:23:29.359
<v Speaker 6>years from discovery. But if you discover it four years later,

462
00:23:30.200 --> 00:23:34.400
<v Speaker 6>then it occurred the closing, you only have two years left,

463
00:23:34.799 --> 00:23:38.759
<v Speaker 6>so it's three years or a total of six years.

464
00:23:39.839 --> 00:23:45.680
<v Speaker 7>Now, I want to talk to inmate Sean. Sean.

465
00:23:46.799 --> 00:23:48.599
<v Speaker 6>I want to get right to you, because I know

466
00:23:48.640 --> 00:23:51.440
<v Speaker 6>it's not easy for you, probably calling on the phone.

467
00:23:51.440 --> 00:23:54.440
<v Speaker 7>Go ahead, sir, Yes, I'm.

468
00:23:54.240 --> 00:23:56.319
<v Speaker 20>Here, mister Martino.

469
00:23:56.400 --> 00:23:57.440
<v Speaker 15>How are you just warning?

470
00:23:57.839 --> 00:24:01.799
<v Speaker 7>Good? Now? Are you right now in jail or in prison?

471
00:24:03.079 --> 00:24:05.119
<v Speaker 20>I'm in prison.

472
00:24:05.400 --> 00:24:11.039
<v Speaker 7>So you've already been convicted and sentenced, yes, sir? And

473
00:24:11.119 --> 00:24:14.559
<v Speaker 7>what is your one viction here? What's that, sir?

474
00:24:14.799 --> 00:24:18.279
<v Speaker 20>My conviction? I'm on my sixteenth year at prison.

475
00:24:18.680 --> 00:24:21.279
<v Speaker 7>Oh my god. What were you convicted of?

476
00:24:21.359 --> 00:24:21.480
<v Speaker 13>Sir?

477
00:24:21.720 --> 00:24:26.200
<v Speaker 20>Yes, I was convicted of conspiracy to commit murder after

478
00:24:26.279 --> 00:24:31.640
<v Speaker 20>deliberation and murder after deliberation. It's off to saying victim.

479
00:24:31.960 --> 00:24:35.880
<v Speaker 20>And the problem with this case is I'm unequivocally innocent.

480
00:24:36.519 --> 00:24:39.200
<v Speaker 15>But the issue here is the government railroaded me.

481
00:24:39.160 --> 00:24:42.960
<v Speaker 23>From this start, starting with the Humphrey.

482
00:24:44.359 --> 00:24:47.279
<v Speaker 15>Here about him, David Glackpool.

483
00:24:47.359 --> 00:24:49.839
<v Speaker 6>Now, hold on, Sean, You're you're fading in and out,

484
00:24:49.880 --> 00:24:52.400
<v Speaker 6>so I want to make sure I hear you.

485
00:24:52.400 --> 00:24:54.079
<v Speaker 7>You say you were railroaded.

486
00:24:54.160 --> 00:24:57.400
<v Speaker 6>Now, by the way, Sean, it actually is not unheard

487
00:24:57.440 --> 00:24:59.319
<v Speaker 6>of for this to happen, So I'm not going to

488
00:24:59.359 --> 00:25:02.599
<v Speaker 6>say it's in poss but a lot of people say,

489
00:25:02.680 --> 00:25:04.480
<v Speaker 6>of course they were wrongly convicted.

490
00:25:04.720 --> 00:25:06.519
<v Speaker 7>So let's just go to the main points.

491
00:25:06.519 --> 00:25:11.119
<v Speaker 20>Go ahead, Okay, Well, in this case, the only witness

492
00:25:11.200 --> 00:25:15.039
<v Speaker 20>to this murder had already told the prosecutor and the

493
00:25:15.119 --> 00:25:17.720
<v Speaker 20>lead detective that I was innocent of this crime.

494
00:25:18.400 --> 00:25:23.000
<v Speaker 6>Who told the investigator told them the.

495
00:25:23.000 --> 00:25:25.200
<v Speaker 2>Only eyewitness to this crime to this?

496
00:25:25.319 --> 00:25:27.880
<v Speaker 7>Okay, here's what I want to know. Tell me about

497
00:25:27.880 --> 00:25:28.359
<v Speaker 7>the crime.

498
00:25:28.480 --> 00:25:32.480
<v Speaker 6>First, someone who was murdered, and someone murdered someone.

499
00:25:32.799 --> 00:25:35.319
<v Speaker 7>But were you accused? You were not accused of being

500
00:25:35.400 --> 00:25:38.799
<v Speaker 7>the actual murderer. Yes, I was.

501
00:25:38.920 --> 00:25:41.039
<v Speaker 20>I was accused of being the actual murderer.

502
00:25:41.599 --> 00:25:41.960
<v Speaker 7>Okay.

503
00:25:42.240 --> 00:25:45.079
<v Speaker 20>There was a home invasion that took place on to

504
00:25:45.160 --> 00:25:50.039
<v Speaker 20>Shepherd six two thousand and six. Uh to a Sailor's Editor.

505
00:25:50.119 --> 00:25:53.279
<v Speaker 20>Home Wan did a sailor's take the victim us side

506
00:25:53.319 --> 00:25:56.839
<v Speaker 20>and executed the victim and.

507
00:25:56.880 --> 00:25:57.519
<v Speaker 1>You you were.

508
00:25:57.640 --> 00:26:00.640
<v Speaker 6>Okay, so hold on, so they said you were that

509
00:26:00.759 --> 00:26:03.960
<v Speaker 6>guy that took the victim outside and killed them?

510
00:26:04.279 --> 00:26:04.640
<v Speaker 2>Correct?

511
00:26:05.279 --> 00:26:05.720
<v Speaker 15>Correct?

512
00:26:06.400 --> 00:26:06.920
<v Speaker 13>Exactly?

513
00:26:07.359 --> 00:26:10.400
<v Speaker 7>Now had you before this? And hold on? When did this?

514
00:26:10.480 --> 00:26:11.839
<v Speaker 7>Suppose when did this happen?

515
00:26:11.880 --> 00:26:12.240
<v Speaker 17>I mean.

516
00:26:13.839 --> 00:26:15.640
<v Speaker 15>Dember six, two thousand and six.

517
00:26:16.400 --> 00:26:20.000
<v Speaker 6>Okay, Now what I want to know is this, were

518
00:26:20.039 --> 00:26:23.720
<v Speaker 6>you in two thousand and six prior to that?

519
00:26:23.880 --> 00:26:25.279
<v Speaker 7>Did you have a criminal record?

520
00:26:27.880 --> 00:26:28.759
<v Speaker 13>H Yes? I did?

521
00:26:29.079 --> 00:26:29.680
<v Speaker 9>Yes, I did.

522
00:26:29.720 --> 00:26:33.440
<v Speaker 20>I did have a criminal record for possession of marijuana.

523
00:26:34.920 --> 00:26:37.519
<v Speaker 2>That was the only pride that I had ever had before.

524
00:26:38.279 --> 00:26:41.039
<v Speaker 7>That's it. You were not. You had no record before that.

525
00:26:41.519 --> 00:26:43.519
<v Speaker 7>Now how were you round? Now?

526
00:26:43.599 --> 00:26:46.119
<v Speaker 6>Let me let me just ask you some questions. Were

527
00:26:46.160 --> 00:26:47.440
<v Speaker 6>you part of that robbery?

528
00:26:47.480 --> 00:26:47.799
<v Speaker 7>Sean?

529
00:26:49.559 --> 00:26:50.240
<v Speaker 23>No, I was not.

530
00:26:50.839 --> 00:26:51.880
<v Speaker 20>I absolutely was not.

531
00:26:52.000 --> 00:26:53.160
<v Speaker 9>I was unequivocally.

532
00:26:53.319 --> 00:26:55.000
<v Speaker 20>I'm unequivocally innocent.

533
00:26:55.359 --> 00:26:58.480
<v Speaker 7>Where were you, Sean? Where? Sean? Where were you at

534
00:26:58.480 --> 00:26:59.119
<v Speaker 7>the time.

535
00:27:01.079 --> 00:27:01.759
<v Speaker 23>At that time?

536
00:27:01.839 --> 00:27:03.319
<v Speaker 2>I listen in Colorado a lot?

537
00:27:03.440 --> 00:27:04.240
<v Speaker 15>I lived here.

538
00:27:04.920 --> 00:27:06.920
<v Speaker 6>But why were you rounded up? Here's what I want

539
00:27:06.960 --> 00:27:09.720
<v Speaker 6>to know. How were you arrested for this robbery?

540
00:27:11.519 --> 00:27:15.640
<v Speaker 2>I was arrested for this crime based upon third party

541
00:27:15.720 --> 00:27:20.960
<v Speaker 2>years sake, but that of the evidence that makes me

542
00:27:21.079 --> 00:27:25.920
<v Speaker 2>innocent of prosecutors and the lead detective overlooked it. They

543
00:27:25.960 --> 00:27:28.720
<v Speaker 2>had They got interviewed the Holy Eye witness to this

544
00:27:28.880 --> 00:27:31.799
<v Speaker 2>murder a year before I got indicted, and he told

545
00:27:31.839 --> 00:27:35.400
<v Speaker 2>him he's saying the silent at the And how.

546
00:27:35.240 --> 00:27:37.640
<v Speaker 6>Many years were you saying? How many years were you

547
00:27:37.799 --> 00:27:38.480
<v Speaker 6>sentenced to?

548
00:27:38.640 --> 00:27:38.960
<v Speaker 7>Sean?

549
00:27:40.440 --> 00:27:43.039
<v Speaker 2>I was saying, as the life without barun was forty

550
00:27:43.039 --> 00:27:45.759
<v Speaker 2>eight years?

551
00:27:45.759 --> 00:27:46.039
<v Speaker 13>Wow?

552
00:27:46.799 --> 00:27:50.319
<v Speaker 6>And and have you been trying to appeal it?

553
00:27:52.039 --> 00:27:55.640
<v Speaker 2>Yes, sir, Yes, sir, I have been to not fail.

554
00:27:55.799 --> 00:28:01.480
<v Speaker 2>The courts have the corstops in my favorite that this

555
00:28:02.279 --> 00:28:05.880
<v Speaker 2>was an exculatory Brady violation. Hey, you talk to a

556
00:28:05.880 --> 00:28:07.279
<v Speaker 2>lot of lawyers, They'll kill you.

557
00:28:07.359 --> 00:28:07.519
<v Speaker 3>Now.

558
00:28:07.599 --> 00:28:09.759
<v Speaker 7>Do you have currently hold on?

559
00:28:10.160 --> 00:28:13.400
<v Speaker 6>Do you have Are you working with anyone on any

560
00:28:13.480 --> 00:28:15.839
<v Speaker 6>of the innocent projects or anything?

561
00:28:15.920 --> 00:28:17.599
<v Speaker 7>Are you working with anyone right now?

562
00:28:19.160 --> 00:28:19.559
<v Speaker 23>I'm not.

563
00:28:19.920 --> 00:28:23.759
<v Speaker 2>I do have a lawyer. I'm in my pstviction.

564
00:28:23.319 --> 00:28:26.240
<v Speaker 20>Proceedings in the district court on this matter.

565
00:28:26.680 --> 00:28:29.240
<v Speaker 6>Okay, Sean, here's what here's what we need to do.

566
00:28:29.519 --> 00:28:32.319
<v Speaker 6>I want you to listen. Is there how do you

567
00:28:32.400 --> 00:28:37.640
<v Speaker 6>communicate with people? I can't just call you right.

568
00:28:37.599 --> 00:28:40.200
<v Speaker 2>You actually can't because we've got these top lists now

569
00:28:40.240 --> 00:28:42.920
<v Speaker 2>and you can't download the Secures app and call me.

570
00:28:43.559 --> 00:28:47.440
<v Speaker 6>So if you if you hold on, if you gave

571
00:28:47.480 --> 00:28:50.200
<v Speaker 6>a phone number, I would be able to call you.

572
00:28:52.000 --> 00:28:54.359
<v Speaker 2>It was more of an app. It's like an app

573
00:28:54.480 --> 00:28:56.640
<v Speaker 2>that you tell load and you call this tablet and

574
00:28:56.680 --> 00:28:59.480
<v Speaker 2>they'll they'll let you call me, just like a sillhol

575
00:29:00.039 --> 00:29:01.000
<v Speaker 2>But I.

576
00:29:00.640 --> 00:29:05.240
<v Speaker 7>But are there certain hours I can call you? Yeah?

577
00:29:05.359 --> 00:29:07.559
<v Speaker 2>I think until twelve midnight.

578
00:29:08.839 --> 00:29:12.000
<v Speaker 6>Okay, listen, Sean, do me a favor. I need you

579
00:29:12.079 --> 00:29:15.400
<v Speaker 6>to leave the I need you to leave information about

580
00:29:15.480 --> 00:29:19.319
<v Speaker 6>that app. I also need you to leave. I also

581
00:29:19.440 --> 00:29:21.759
<v Speaker 6>need you to leave an address where I can write

582
00:29:21.960 --> 00:29:23.680
<v Speaker 6>to you or do you get email.

583
00:29:25.799 --> 00:29:28.119
<v Speaker 20>I'm gonna start at the email yet, but I don't

584
00:29:28.160 --> 00:29:29.400
<v Speaker 20>have an ass.

585
00:29:30.119 --> 00:29:33.559
<v Speaker 7>With your Okay, I want you to leave. Listen. I

586
00:29:34.279 --> 00:29:35.359
<v Speaker 7>want you to leave and.

587
00:29:37.039 --> 00:29:38.759
<v Speaker 13>Go ahead my actual.

588
00:29:40.319 --> 00:29:45.599
<v Speaker 6>Okay, Sean, if that's true, I'm gonna I'm gonna hear

589
00:29:45.640 --> 00:29:46.319
<v Speaker 6>you out.

590
00:29:46.599 --> 00:29:49.119
<v Speaker 7>We just can't do it on this one phone call.

591
00:29:49.519 --> 00:29:52.319
<v Speaker 6>So please, I'm gonna put you on I'm gonna put

592
00:29:52.319 --> 00:29:54.160
<v Speaker 6>you on hold and Katchina.

593
00:29:54.559 --> 00:29:55.799
<v Speaker 7>I need every.

594
00:29:55.559 --> 00:29:57.720
<v Speaker 6>Which way I can to get a hold of him

595
00:29:58.039 --> 00:30:01.720
<v Speaker 6>and the name and number of his attorney. Please do

596
00:30:01.799 --> 00:30:04.960
<v Speaker 6>that now. If this man listen, I know everyone in

597
00:30:05.000 --> 00:30:08.240
<v Speaker 6>the world, especially my YouTube morons, they're rolling their eyes

598
00:30:08.319 --> 00:30:10.079
<v Speaker 6>right now, blah blah blah.

599
00:30:10.079 --> 00:30:11.079
<v Speaker 7>But here's what I say.

600
00:30:11.960 --> 00:30:16.279
<v Speaker 6>All I'm going to invest is a little time and

601
00:30:16.599 --> 00:30:20.200
<v Speaker 6>energy to look into this. If there is someone sitting

602
00:30:20.240 --> 00:30:25.559
<v Speaker 6>in jail, truly, truly, who is innocent, it wouldn't be

603
00:30:25.640 --> 00:30:30.759
<v Speaker 6>the first time. I'm not saying he is, but what

604
00:30:30.839 --> 00:30:34.119
<v Speaker 6>the hell on the chance he could be, Maybe I'll

605
00:30:34.119 --> 00:30:37.559
<v Speaker 6>look into it. How about that. I don't want him

606
00:30:37.559 --> 00:30:40.079
<v Speaker 6>to waste this phone call. I will at least look

607
00:30:40.119 --> 00:30:43.720
<v Speaker 6>into where he has at. I mean, we've heard. I

608
00:30:43.839 --> 00:30:47.440
<v Speaker 6>met a man one time convicted of a murder on

609
00:30:47.640 --> 00:30:52.400
<v Speaker 6>death row and I got involved in this case and

610
00:30:52.519 --> 00:30:54.920
<v Speaker 6>I interviewed him when he got out. Now, I was

611
00:30:55.000 --> 00:30:59.440
<v Speaker 6>not the reason he got out. There was a project

612
00:30:59.559 --> 00:31:02.319
<v Speaker 6>that was working on it. And my god, was this

613
00:31:02.400 --> 00:31:08.240
<v Speaker 6>story chilling the way police did not present all the evidence,

614
00:31:09.720 --> 00:31:13.920
<v Speaker 6>and then the prosecutor did not produce all the evidence.

615
00:31:14.400 --> 00:31:19.640
<v Speaker 6>And on top of that, someone else was found and

616
00:31:19.720 --> 00:31:26.000
<v Speaker 6>their dental records confirmed it was them dental records because

617
00:31:26.000 --> 00:31:27.359
<v Speaker 6>there were bites involved.

618
00:31:28.680 --> 00:31:33.720
<v Speaker 7>It is. It was a chilling story. I Stephanie and

619
00:31:33.720 --> 00:31:34.240
<v Speaker 7>I did.

620
00:31:34.119 --> 00:31:39.160
<v Speaker 6>The story and it's published somewhere online still but listen

621
00:31:39.200 --> 00:31:39.799
<v Speaker 6>it happens.

622
00:31:40.400 --> 00:31:42.799
<v Speaker 18>So are you going to contact his it TONI Toms.

623
00:31:42.519 --> 00:31:43.400
<v Speaker 7>Yeah, of course I am.

624
00:31:43.440 --> 00:31:46.640
<v Speaker 6>Okay, and then I just need to get this information.

625
00:31:47.319 --> 00:31:50.920
<v Speaker 7>Like I said, who knows it's not unheard of?

626
00:31:51.839 --> 00:31:54.279
<v Speaker 6>Now that's a I mean to be sentenced to life

627
00:31:54.440 --> 00:31:57.880
<v Speaker 6>plus forty eight years without parole. I mean, you know

628
00:31:57.960 --> 00:32:03.000
<v Speaker 6>you would hope that they had evidence of this egregious crime.

629
00:32:03.440 --> 00:32:10.920
<v Speaker 6>I'm Tom Martino Moore coming up. Go with a sure

630
00:32:11.039 --> 00:32:14.440
<v Speaker 6>thing Denver's Best roofer Excel Roofing dot com. You don't

631
00:32:14.480 --> 00:32:20.519
<v Speaker 6>pay a cent until you're content. Time for an insurance

632
00:32:20.599 --> 00:32:24.279
<v Speaker 6>check up free, no obligation. In comparison, call Compass Insurance

633
00:32:24.440 --> 00:32:27.480
<v Speaker 6>paying too much your coverage at dozens of insurance companies

634
00:32:27.559 --> 00:32:29.599
<v Speaker 6>find out now three oh three seven to seven to

635
00:32:29.599 --> 00:32:32.400
<v Speaker 6>one help. You'll think you're his only customer when you

636
00:32:32.480 --> 00:32:34.920
<v Speaker 6>choose Frank durand the real estate Man dot com to

637
00:32:35.000 --> 00:32:38.200
<v Speaker 6>list your home with Remax Alliance three oh three nine

638
00:32:38.240 --> 00:32:43.759
<v Speaker 6>two zero sixteen twenty two. Hi Tom Martino, you're a

639
00:32:43.759 --> 00:32:46.279
<v Speaker 6>troubleshooter three all three seven one three talks seven one

640
00:32:46.279 --> 00:32:49.079
<v Speaker 6>three eight two five five. Okay, So Jamie has a

641
00:32:49.880 --> 00:32:53.519
<v Speaker 6>question or has an issue with an arborius. Jamie, were

642
00:32:53.559 --> 00:32:55.680
<v Speaker 6>you having a tree removed or trimmed or what's going on?

643
00:32:55.759 --> 00:32:56.240
<v Speaker 7>Jamie?

644
00:32:57.559 --> 00:33:03.319
<v Speaker 24>Well you good morning. By the way, Yes, thank you

645
00:33:03.359 --> 00:33:06.240
<v Speaker 24>for taking the time to take my calf.

646
00:33:06.319 --> 00:33:08.039
<v Speaker 6>And if and if we do run out of time,

647
00:33:08.079 --> 00:33:10.279
<v Speaker 6>I just want you to hang. So what's start out

648
00:33:10.279 --> 00:33:10.799
<v Speaker 6>the problem?

649
00:33:12.359 --> 00:33:19.119
<v Speaker 24>Okay? Well, I needed an arborist, and I called a

650
00:33:19.240 --> 00:33:22.240
<v Speaker 24>friend and you know, asked a couple of people.

651
00:33:21.960 --> 00:33:22.680
<v Speaker 9>For a referral.

652
00:33:22.759 --> 00:33:26.119
<v Speaker 24>So I got this referral and when I called them,

653
00:33:27.079 --> 00:33:28.839
<v Speaker 24>they came out the same day to give me an

654
00:33:28.920 --> 00:33:32.079
<v Speaker 24>estimate or an appraisal, and I was like, fantastic. And

655
00:33:32.119 --> 00:33:37.000
<v Speaker 24>what's the name of the arborist, Mendez tree Removal.

656
00:33:38.000 --> 00:33:41.000
<v Speaker 6>Okay, you know, we had a big complaint about them before,

657
00:33:41.160 --> 00:33:45.279
<v Speaker 6>a bad They did a terrible job. They didn't they

658
00:33:45.319 --> 00:33:48.519
<v Speaker 6>left a bunch of crap and anyway, what happened.

659
00:33:49.400 --> 00:33:51.359
<v Speaker 24>Yeah, they I mean, they could have done a better

660
00:33:51.400 --> 00:33:56.079
<v Speaker 24>clean up. However, So I guess the uniqueness of my situation.

661
00:33:56.000 --> 00:33:59.160
<v Speaker 23>Is the house I live in was owned by my.

662
00:33:59.119 --> 00:34:01.559
<v Speaker 24>Grandmother, So I've withs in this neighborhood for quite some

663
00:34:01.680 --> 00:34:05.079
<v Speaker 24>time and the lady next door I've basically grown up

664
00:34:05.119 --> 00:34:11.079
<v Speaker 24>with and she turned ninety on July twenty six, So

665
00:34:11.639 --> 00:34:15.239
<v Speaker 24>I as a county already has lanes against her property

666
00:34:15.280 --> 00:34:18.159
<v Speaker 24>because she's had different trees that are overgrown.

667
00:34:17.719 --> 00:34:18.360
<v Speaker 4>And fell over.

668
00:34:19.039 --> 00:34:21.760
<v Speaker 6>Okay, hold on one sec hey, Shannon, Shannon, we're out

669
00:34:21.800 --> 00:34:27.000
<v Speaker 6>of forty four right, yeah, Okay, the music is coming,

670
00:34:27.039 --> 00:34:29.400
<v Speaker 6>So Jamie, I don't want to rush you. Here's what

671
00:34:29.440 --> 00:34:31.320
<v Speaker 6>I need to ask, and we'll take you up right

672
00:34:31.360 --> 00:34:31.960
<v Speaker 6>after the news.

673
00:34:32.199 --> 00:34:35.440
<v Speaker 7>Did you hire them to trim or to remove?

674
00:34:36.880 --> 00:34:40.039
<v Speaker 24>I hired them to remove a stump and trim trees

675
00:34:40.119 --> 00:34:43.079
<v Speaker 24>in my property and also my neighbor that's ninety.

676
00:34:43.280 --> 00:34:56.599
<v Speaker 6>Hey, hold on and we'll come right back to you.

677
00:34:56.639 --> 00:34:59.880
<v Speaker 6>Go with a sure thing Denver's best roofer Excel Roofing.

678
00:35:00.639 --> 00:35:02.639
<v Speaker 7>You don't pay a cent until you're content.

679
00:35:03.559 --> 00:35:08.480
<v Speaker 6>Three time for an insurance check up free, no obligation

680
00:35:08.599 --> 00:35:12.480
<v Speaker 6>comparison call Compass Insurance. Pay too much your coverage at

681
00:35:12.519 --> 00:35:15.280
<v Speaker 6>dozens of insurance companies find out now three oh three

682
00:35:15.400 --> 00:35:18.000
<v Speaker 6>seven seven to one help. You'll think you're his only

683
00:35:18.079 --> 00:35:20.559
<v Speaker 6>customer when you choose Frank durand the real estate man

684
00:35:20.599 --> 00:35:24.000
<v Speaker 6>dot com to list your home with Remax Alliance three

685
00:35:24.079 --> 00:35:32.639
<v Speaker 6>oh three nine two zero sixteen twenty two.

686
00:35:31.639 --> 00:35:39.440
<v Speaker 1>Ripped news you needed, that's who you don't have. Come

687
00:35:39.599 --> 00:35:44.159
<v Speaker 1>run anxious as fast as we can. Shooter's gonna help.

688
00:35:44.440 --> 00:35:52.400
<v Speaker 5>Come six is the Troubleshooter Show. No Tom Martino, Hey Tom.

689
00:35:52.239 --> 00:35:54.400
<v Speaker 7>Martino here, Welcome to the show.

690
00:35:54.559 --> 00:35:56.880
<v Speaker 6>This hour brought to you by waterpros dot net, the

691
00:35:56.880 --> 00:36:01.199
<v Speaker 6>best water systems at the lowest prices anywhere. And I'm

692
00:36:01.239 --> 00:36:04.639
<v Speaker 6>telling you I love my system for the best coffee.

693
00:36:04.679 --> 00:36:07.079
<v Speaker 6>Well it's drinking water, right, but it makes the best coffee.

694
00:36:07.320 --> 00:36:09.320
<v Speaker 6>Waterpros dot in at three oh three, eight six, two five,

695
00:36:09.440 --> 00:36:11.719
<v Speaker 6>five five four. You'll never get a system cheaper and

696
00:36:11.760 --> 00:36:15.519
<v Speaker 6>better fourteen hundred dollars fully installed. Speaking of water today

697
00:36:15.639 --> 00:36:17.440
<v Speaker 6>is a whole circular theme here.

698
00:36:17.719 --> 00:36:22.599
<v Speaker 7>We got that wonderful water pros water waterpros dot and

699
00:36:22.639 --> 00:36:23.360
<v Speaker 7>then we have.

700
00:36:25.000 --> 00:36:28.920
<v Speaker 6>That softened energized water and that is used for zero

701
00:36:29.000 --> 00:36:32.360
<v Speaker 6>resid Then I have Buddy here for carpeting, and Buddy,

702
00:36:32.440 --> 00:36:34.960
<v Speaker 6>you say, when it comes to carpeting, you.

703
00:36:35.320 --> 00:36:36.480
<v Speaker 7>People don't understand this.

704
00:36:36.559 --> 00:36:40.599
<v Speaker 6>The warranty on a carpet is contingent on you doing cleaning.

705
00:36:40.679 --> 00:36:44.079
<v Speaker 17>Right, Yeah, you have to hot water do hot water cleaning.

706
00:36:44.400 --> 00:36:48.239
<v Speaker 17>So carpet when it wears out, it blooms like a flower. Right,

707
00:36:48.320 --> 00:36:51.559
<v Speaker 17>So the twisted like a cuppile carpet, Yeah, is twisted,

708
00:36:51.960 --> 00:36:54.960
<v Speaker 17>and as you walk on it, the twist comes undone,

709
00:36:55.280 --> 00:36:57.840
<v Speaker 17>and so hot water will twist.

710
00:36:57.519 --> 00:37:00.440
<v Speaker 7>It back, will make the yarn remember it shape.

711
00:37:00.800 --> 00:37:02.199
<v Speaker 17>So if you you know, so, if you walk on

712
00:37:02.239 --> 00:37:04.400
<v Speaker 17>the carpet for five years and never clean it, and

713
00:37:04.440 --> 00:37:06.920
<v Speaker 17>then you go to pit it with hot water, it'll

714
00:37:06.960 --> 00:37:08.679
<v Speaker 17>remember a little bit of its shape. But if you

715
00:37:08.719 --> 00:37:10.840
<v Speaker 17>can keep the bloom closed, if you could keep the

716
00:37:10.920 --> 00:37:15.039
<v Speaker 17>young twisted. Yeah, And so that's why carpet cleaning is

717
00:37:15.079 --> 00:37:18.119
<v Speaker 17>a requirement of the wear warranty on your.

718
00:37:18.000 --> 00:37:21.920
<v Speaker 7>Carpet, and and you know all the other ways.

719
00:37:21.920 --> 00:37:24.800
<v Speaker 6>And to me, again, I'm not trying to I'm not

720
00:37:24.800 --> 00:37:27.639
<v Speaker 6>trying to push anything here, but I swear to God,

721
00:37:27.760 --> 00:37:32.239
<v Speaker 6>once I tried that zero resk part put that water. See,

722
00:37:32.280 --> 00:37:36.480
<v Speaker 6>I never realized that there's no odor at all when

723
00:37:36.519 --> 00:37:39.440
<v Speaker 6>you have your carpets cleaned, when it's done properly, and

724
00:37:39.760 --> 00:37:42.519
<v Speaker 6>your carpets aren't really that wet. It doesn't require a

725
00:37:42.599 --> 00:37:47.440
<v Speaker 6>lot of doesn't require a lot of water, and it.

726
00:37:47.360 --> 00:37:47.880
<v Speaker 7>Was just great.

727
00:37:47.960 --> 00:37:51.320
<v Speaker 6>So anyway, it's funny how all these things work together.

728
00:37:51.400 --> 00:37:55.719
<v Speaker 6>I mean, you have purified water, which is good for everything,

729
00:37:56.119 --> 00:37:59.360
<v Speaker 6>softened water, and then you have a zero res using

730
00:37:59.360 --> 00:38:01.800
<v Speaker 6>that you have also water pros using it for the

731
00:38:01.840 --> 00:38:02.519
<v Speaker 6>water system.

732
00:38:02.880 --> 00:38:06.400
<v Speaker 7>And then we have carpets that we want to last long.

733
00:38:06.719 --> 00:38:09.760
<v Speaker 6>And again I think people are moving away from carpet.

734
00:38:09.840 --> 00:38:12.880
<v Speaker 6>Somebody just wanted me to ask this. If you they

735
00:38:12.920 --> 00:38:16.880
<v Speaker 6>wanted to know if you ask your friend buddy, if

736
00:38:16.920 --> 00:38:19.519
<v Speaker 6>you were doing your home over, would you do.

737
00:38:19.519 --> 00:38:23.559
<v Speaker 7>Carpet or would you do hardwood? What would you do?

738
00:38:23.239 --> 00:38:27.320
<v Speaker 17>I did carpet in my bedrooms and hallways and hardwood

739
00:38:27.360 --> 00:38:29.599
<v Speaker 17>on my main floor. Okay, I have a two story home.

740
00:38:29.639 --> 00:38:32.159
<v Speaker 17>It's carpet upstairs. I love carpet. I have carpet in

741
00:38:32.199 --> 00:38:35.000
<v Speaker 17>my basement, and then I have a really nice area

742
00:38:35.119 --> 00:38:37.119
<v Speaker 17>rug okay in my living room.

743
00:38:37.280 --> 00:38:41.360
<v Speaker 6>All right, now let's go to the phones again. Jamie

744
00:38:41.360 --> 00:38:48.280
<v Speaker 6>said she hired an arborist, Mendez Tree Removal, to remove

745
00:38:48.320 --> 00:38:49.280
<v Speaker 6>a stump.

746
00:38:48.960 --> 00:38:51.519
<v Speaker 7>And trim trees for her and.

747
00:38:51.400 --> 00:38:56.639
<v Speaker 6>Her neighbor and her ninety year old neighbor. Okay, so

748
00:38:57.159 --> 00:38:58.639
<v Speaker 6>now continue your story.

749
00:39:00.639 --> 00:39:03.320
<v Speaker 24>So they were supposed to come, that was the twenty

750
00:39:03.360 --> 00:39:06.840
<v Speaker 24>second and they were. They came right out immediately. You know,

751
00:39:06.880 --> 00:39:08.760
<v Speaker 24>the day I called to give me an appraise there,

752
00:39:08.960 --> 00:39:12.239
<v Speaker 24>and the scheduled to come out two days later on

753
00:39:12.280 --> 00:39:17.039
<v Speaker 24>the twenty fourth. However, on the twenty fourth, the truck

754
00:39:17.880 --> 00:39:21.920
<v Speaker 24>load of the owner and because the owner had set

755
00:39:22.000 --> 00:39:24.800
<v Speaker 24>someone else out for an appraisal and everything seemed to

756
00:39:24.840 --> 00:39:28.000
<v Speaker 24>be you know, professional and running, you know. Anyways, the

757
00:39:28.039 --> 00:39:30.199
<v Speaker 24>owner was there with his wife and a couple of

758
00:39:30.239 --> 00:39:34.320
<v Speaker 24>other people and someone you know, I guess the crew

759
00:39:35.519 --> 00:39:38.119
<v Speaker 24>job oversight, you know whatever.

760
00:39:38.960 --> 00:39:39.199
<v Speaker 6>Guy.

761
00:39:39.719 --> 00:39:42.119
<v Speaker 24>His wife was having a baby. So they asked if

762
00:39:42.119 --> 00:39:44.440
<v Speaker 24>they could reschedule till the next day for my trees,

763
00:39:44.480 --> 00:39:46.599
<v Speaker 24>and I said absolutely, good luck with the baby. But

764
00:39:47.320 --> 00:39:49.480
<v Speaker 24>at that time I also walked to property with the

765
00:39:49.519 --> 00:39:53.159
<v Speaker 24>owner and said I practiced started to eden, you know, gardening,

766
00:39:53.199 --> 00:39:56.159
<v Speaker 24>and this is the scope of our agreement. You know,

767
00:39:56.199 --> 00:39:58.360
<v Speaker 24>I'd like to have like the larger logs.

768
00:39:58.079 --> 00:40:00.400
<v Speaker 7>Now you me at this point though, at this point

769
00:40:00.440 --> 00:40:01.199
<v Speaker 7>you hadn't paid.

770
00:40:01.039 --> 00:40:04.280
<v Speaker 24>Anything, right, No, yeah, at this point I hadn't paid anything.

771
00:40:04.320 --> 00:40:07.360
<v Speaker 7>Why didn't you just okay, So, so did the job

772
00:40:07.400 --> 00:40:08.119
<v Speaker 7>ever get done?

773
00:40:09.079 --> 00:40:11.119
<v Speaker 24>So they did most of the job, and I had

774
00:40:11.159 --> 00:40:13.639
<v Speaker 24>we had like an agreement for scope and everything, and

775
00:40:13.679 --> 00:40:16.159
<v Speaker 24>they did most of the job. And during that day,

776
00:40:16.239 --> 00:40:18.320
<v Speaker 24>like I have a friend, so she is going to

777
00:40:18.400 --> 00:40:22.159
<v Speaker 24>write a statement or if you need be for yeah, a,

778
00:40:22.480 --> 00:40:24.320
<v Speaker 24>you know, like a.

779
00:40:24.519 --> 00:40:26.719
<v Speaker 6>But what I need to know is what is the

780
00:40:26.800 --> 00:40:28.599
<v Speaker 6>complaint They did most.

781
00:40:28.440 --> 00:40:29.599
<v Speaker 25>Of they didn't cut it.

782
00:40:29.679 --> 00:40:32.239
<v Speaker 24>They didn't trim things to scope. My concern with my

783
00:40:32.280 --> 00:40:35.079
<v Speaker 24>neighbor is she has trees that were growing into her house.

784
00:40:35.840 --> 00:40:38.239
<v Speaker 24>And I had said, I can't afford to cut her

785
00:40:38.239 --> 00:40:40.639
<v Speaker 24>whole property, but please give me an estimate for cutting

786
00:40:40.679 --> 00:40:42.760
<v Speaker 24>the trees away from her house that they're not growing

787
00:40:42.800 --> 00:40:45.599
<v Speaker 24>into her house. And there was we walked around the

788
00:40:45.639 --> 00:40:47.760
<v Speaker 24>property and we had talked about the scope and like,

789
00:40:47.840 --> 00:40:49.039
<v Speaker 24>you know, just well we come back.

790
00:40:49.119 --> 00:40:50.840
<v Speaker 7>Okay, an easy question.

791
00:40:51.239 --> 00:40:53.880
<v Speaker 6>At least it doesn't sound like they ripped you off

792
00:40:53.920 --> 00:40:54.719
<v Speaker 6>because they didn't.

793
00:40:54.840 --> 00:40:55.320
<v Speaker 26>They didn't.

794
00:40:55.519 --> 00:40:57.400
<v Speaker 24>They didn't cut it to scope.

795
00:40:57.519 --> 00:40:59.840
<v Speaker 10>And then I had asked, so I get it, Well

796
00:40:59.840 --> 00:41:02.639
<v Speaker 10>they come back, and will they come back and correct it?

797
00:41:03.360 --> 00:41:05.239
<v Speaker 24>That's what I have been asking for them for the

798
00:41:05.280 --> 00:41:07.760
<v Speaker 24>last three weeks. And I would also like a receipt

799
00:41:07.800 --> 00:41:10.239
<v Speaker 24>for payment, and they have not provided me with a receipt.

800
00:41:10.280 --> 00:41:14.039
<v Speaker 7>And how did you pay? How did you pay? Well,

801
00:41:14.039 --> 00:41:16.679
<v Speaker 7>that's wrong, that's wrong, and I have a witness.

802
00:41:16.880 --> 00:41:20.440
<v Speaker 6>Okay, here's the problem. Unless you get the receipt at

803
00:41:20.440 --> 00:41:23.320
<v Speaker 6>the same time. You can kiss that goodbye if he

804
00:41:23.360 --> 00:41:24.519
<v Speaker 6>ever wants to contest it.

805
00:41:25.800 --> 00:41:28.559
<v Speaker 24>What about writing a ten ninety nine to the irs?

806
00:41:28.880 --> 00:41:31.199
<v Speaker 7>Well, you can do that all you want. You can

807
00:41:31.239 --> 00:41:32.840
<v Speaker 7>do that all you want. I mean, how much was

808
00:41:32.880 --> 00:41:33.320
<v Speaker 7>the job?

809
00:41:35.320 --> 00:41:37.360
<v Speaker 24>I have text receipts to show through.

810
00:41:37.440 --> 00:41:40.840
<v Speaker 7>Che Oh good, So he texted you he texted your receipt.

811
00:41:41.760 --> 00:41:44.920
<v Speaker 24>No not, I have. I have my screenshots of my

812
00:41:45.079 --> 00:41:48.320
<v Speaker 24>text messages saying that I you know that the exchange

813
00:41:48.360 --> 00:41:50.960
<v Speaker 24>made and asking for the estimate. So it's all through

814
00:41:50.960 --> 00:41:51.719
<v Speaker 24>text messages.

815
00:41:52.000 --> 00:41:56.639
<v Speaker 6>And how much did you pay completely for twenty four hundred? Okay,

816
00:41:56.800 --> 00:41:59.599
<v Speaker 6>Now this guy will not come out and finish. Is

817
00:41:59.599 --> 00:42:00.400
<v Speaker 6>that what you're saying?

818
00:42:01.320 --> 00:42:04.159
<v Speaker 24>Yeah, and he's two times he has said he will

819
00:42:04.159 --> 00:42:06.360
<v Speaker 24>come out and do it. I'll send my guys out

820
00:42:06.400 --> 00:42:08.400
<v Speaker 24>today to do a good job, and then they don't show.

821
00:42:09.280 --> 00:42:11.679
<v Speaker 6>Okay, let's just call and see we can make a difference.

822
00:42:11.760 --> 00:42:13.760
<v Speaker 6>I don't know if we can. Let's try first the

823
00:42:13.800 --> 00:42:17.320
<v Speaker 6>buzz deputy doc. Let's do that the friendly way first.

824
00:42:17.599 --> 00:42:18.280
<v Speaker 22>Okay.

825
00:42:18.320 --> 00:42:21.199
<v Speaker 24>He had his wife call me from her cleaning business

826
00:42:21.280 --> 00:42:24.400
<v Speaker 24>number Saturday to say they'd be here Monday and my

827
00:42:24.519 --> 00:42:27.519
<v Speaker 24>dad was visiting. I came back from Breckenridge early Monday

828
00:42:27.559 --> 00:42:29.760
<v Speaker 24>so I could be here for them, and they didn't show.

829
00:42:29.960 --> 00:42:32.960
<v Speaker 6>So I had a feeling if we call, we're gonna

830
00:42:32.960 --> 00:42:36.679
<v Speaker 6>shake something loose. So hold on, Jamie, Doc, talk to Jamie.

831
00:42:36.760 --> 00:42:40.039
<v Speaker 6>Let's get a number. Let's call real three seven one,

832
00:42:40.079 --> 00:42:41.039
<v Speaker 6>three eight two five five.

833
00:42:41.079 --> 00:42:43.079
<v Speaker 7>Bob, what's going on with State Farm? Alan?

834
00:42:43.159 --> 00:42:46.880
<v Speaker 6>I haven't forgotten about you either. What's going on, Bob?

835
00:42:50.440 --> 00:42:58.920
<v Speaker 7>Are you there? Bob? State Farm? Well? I I was okay,

836
00:42:59.079 --> 00:43:05.519
<v Speaker 7>he must have dropped a Sorry Bob, I tried. Now

837
00:43:06.840 --> 00:43:09.199
<v Speaker 7>there is a dock on the line, but not Deputy Doc.

838
00:43:09.320 --> 00:43:09.800
<v Speaker 7>Is that right?

839
00:43:11.400 --> 00:43:11.559
<v Speaker 9>Oh?

840
00:43:11.599 --> 00:43:13.480
<v Speaker 7>No, I want to take Alan. Never mind, I want

841
00:43:13.519 --> 00:43:15.800
<v Speaker 7>to take Alan. He's been waiting longer. Alan, go ahead.

842
00:43:17.639 --> 00:43:22.679
<v Speaker 12>Yeah. I talked to you briefly yesterday, but yeah, the show.

843
00:43:22.119 --> 00:43:24.039
<v Speaker 6>And toward the end of the show, you want to

844
00:43:24.039 --> 00:43:28.239
<v Speaker 6>know about debt consolidation, and I said, debt consolidation is

845
00:43:28.320 --> 00:43:31.280
<v Speaker 6>usually a ripoff when you get solicited for it.

846
00:43:31.519 --> 00:43:34.119
<v Speaker 7>Tell me the terms and what you're calling about.

847
00:43:35.960 --> 00:43:38.079
<v Speaker 2>So I have.

848
00:43:38.159 --> 00:43:42.599
<v Speaker 12>Somewhere around sixty thousand and credit card debt due to

849
00:43:42.639 --> 00:43:45.320
<v Speaker 12>a lot of legal fees and being unemployed.

850
00:43:46.400 --> 00:43:47.440
<v Speaker 7>And what is your income?

851
00:43:49.320 --> 00:43:53.159
<v Speaker 12>Well, right now it's zero. Well I make a little

852
00:43:53.159 --> 00:43:55.679
<v Speaker 12>bit as a handyman, but I'm trying to find a

853
00:43:55.719 --> 00:43:56.239
<v Speaker 12>new job.

854
00:43:57.880 --> 00:44:00.400
<v Speaker 6>So the chances of you getting out of debt? Do

855
00:44:00.440 --> 00:44:02.719
<v Speaker 6>you own anything at all?

856
00:44:04.599 --> 00:44:04.840
<v Speaker 21>Yeah?

857
00:44:04.880 --> 00:44:07.000
<v Speaker 12>Well, I have a lot of equity in my house.

858
00:44:07.280 --> 00:44:09.119
<v Speaker 7>How much? How much?

859
00:44:10.440 --> 00:44:11.840
<v Speaker 12>Probably five hundred thousand?

860
00:44:12.719 --> 00:44:15.000
<v Speaker 6>Oh my god, Then you're not going to do a bankruptcy.

861
00:44:15.079 --> 00:44:17.760
<v Speaker 6>You have five hundred thousand. What is your loan? What

862
00:44:17.840 --> 00:44:19.119
<v Speaker 6>is your loan on that house?

863
00:44:21.679 --> 00:44:25.599
<v Speaker 12>What's remaining is probably three hundred and fifty thousand, so that.

864
00:44:25.679 --> 00:44:27.800
<v Speaker 6>You have an eight hundred and fifty thousand dollars house.

865
00:44:28.079 --> 00:44:31.480
<v Speaker 6>Or more right, what part of town is that in?

866
00:44:34.000 --> 00:44:36.880
<v Speaker 21>It's near loan Tree, Okay.

867
00:44:36.400 --> 00:44:39.400
<v Speaker 6>And you're not exaggerating about the value of your home.

868
00:44:40.679 --> 00:44:42.440
<v Speaker 12>No, and it could be higher than that.

869
00:44:43.119 --> 00:44:46.079
<v Speaker 7>What is the interest rate on your current loan?

870
00:44:47.119 --> 00:44:49.760
<v Speaker 12>Well, that's the kicker. It's two point seventy five.

871
00:44:50.000 --> 00:44:54.000
<v Speaker 6>So but you listen, let's uh, you can get a

872
00:44:54.039 --> 00:44:54.760
<v Speaker 6>second on that.

873
00:44:56.679 --> 00:44:59.960
<v Speaker 12>I already have an elog so that's another debt.

874
00:45:00.400 --> 00:45:03.639
<v Speaker 6>Well, you never even talked about that when I said, then.

875
00:45:03.519 --> 00:45:06.159
<v Speaker 7>You don't have the equity. I mean, how much is

876
00:45:06.199 --> 00:45:06.800
<v Speaker 7>your he lock.

877
00:45:08.480 --> 00:45:12.360
<v Speaker 12>Okay, so yeah, you're right, elock what's left is probably

878
00:45:12.400 --> 00:45:13.840
<v Speaker 12>seventy five thousand.

879
00:45:14.400 --> 00:45:19.719
<v Speaker 6>So you have three hundred plus okay total debt against

880
00:45:19.719 --> 00:45:22.840
<v Speaker 6>your house including the first and the helock?

881
00:45:22.960 --> 00:45:24.400
<v Speaker 7>Is how much total.

882
00:45:24.079 --> 00:45:35.320
<v Speaker 12>Debt grantedy four hundred pight something like that, So.

883
00:45:35.360 --> 00:45:43.400
<v Speaker 7>Three hundred and fifty plus seventy yeah, okay, and the house.

884
00:45:43.519 --> 00:45:46.400
<v Speaker 12>The house could be worth nine hund to it.

885
00:45:46.519 --> 00:45:48.440
<v Speaker 7>No, I get it, I get it. So but but

886
00:45:49.400 --> 00:45:51.320
<v Speaker 7>and what is the What is the rate on your

887
00:45:51.360 --> 00:45:51.800
<v Speaker 7>he lock?

888
00:45:54.039 --> 00:45:55.639
<v Speaker 20>It is like four?

889
00:45:57.199 --> 00:46:01.280
<v Speaker 6>Okay, you're going to have to do this, keep your

890
00:46:01.320 --> 00:46:03.519
<v Speaker 6>first in place.

891
00:46:05.679 --> 00:46:08.719
<v Speaker 7>And pay off the heelock and get some extra.

892
00:46:08.440 --> 00:46:13.159
<v Speaker 6>Money with a second, and your rate's gonna go up.

893
00:46:13.199 --> 00:46:15.400
<v Speaker 6>But your blended rate's gonna go down because your credit

894
00:46:15.400 --> 00:46:18.440
<v Speaker 6>card debt's gonna go away. Are you delinquent on your

895
00:46:18.480 --> 00:46:19.639
<v Speaker 6>credit card debt?

896
00:46:20.880 --> 00:46:20.920
<v Speaker 4>Not?

897
00:46:21.119 --> 00:46:21.679
<v Speaker 12>Right now?

898
00:46:22.079 --> 00:46:28.079
<v Speaker 6>Okay, here's another question that's really important, Alan, This is

899
00:46:28.159 --> 00:46:31.360
<v Speaker 6>really important, man, I mean, do you have a way.

900
00:46:32.280 --> 00:46:34.800
<v Speaker 6>I don't think you can borrow money on just equity

901
00:46:34.840 --> 00:46:36.559
<v Speaker 6>because you don't have any income.

902
00:46:36.679 --> 00:46:37.760
<v Speaker 7>Really, how old are you?

903
00:46:40.239 --> 00:46:41.920
<v Speaker 12>Fifty six today?

904
00:46:43.199 --> 00:46:44.679
<v Speaker 7>Fifty six? Happy birthday?

905
00:46:45.440 --> 00:46:49.199
<v Speaker 6>Hold on, man, you have a bit of a problem

906
00:46:49.599 --> 00:46:52.800
<v Speaker 6>in that you have a ton of equity, but you

907
00:46:52.880 --> 00:46:53.679
<v Speaker 6>have no income.

908
00:46:55.360 --> 00:46:59.760
<v Speaker 12>So that job and I possibly have a job coming

909
00:46:59.800 --> 00:47:01.880
<v Speaker 12>in the next few weeks, so that could change.

910
00:47:02.199 --> 00:47:05.079
<v Speaker 6>Yeah, but let's say this. You get a job in

911
00:47:05.119 --> 00:47:06.800
<v Speaker 6>a few weeks, then you have to have a history

912
00:47:08.519 --> 00:47:10.960
<v Speaker 6>and what kind of work will it be? What income

913
00:47:11.000 --> 00:47:11.519
<v Speaker 6>will you have?

914
00:47:14.039 --> 00:47:17.199
<v Speaker 12>I would probably be one hundred and sixty thousand.

915
00:47:17.400 --> 00:47:18.519
<v Speaker 7>What kind of job.

916
00:47:20.039 --> 00:47:22.239
<v Speaker 12>Project manager and oil and gas?

917
00:47:22.480 --> 00:47:24.039
<v Speaker 7>So you know what the hell you're doing, is what

918
00:47:24.079 --> 00:47:24.960
<v Speaker 7>you're saying, right, Alan?

919
00:47:26.039 --> 00:47:26.400
<v Speaker 13>Yes?

920
00:47:26.880 --> 00:47:29.159
<v Speaker 7>Good? How long you've been unemployed.

921
00:47:30.639 --> 00:47:32.960
<v Speaker 12>For five months?

922
00:47:32.960 --> 00:47:37.480
<v Speaker 6>That's March okay, So it's not like you're just okay,

923
00:47:37.599 --> 00:47:38.719
<v Speaker 6>got it all right?

924
00:47:39.320 --> 00:47:39.519
<v Speaker 7>Now?

925
00:47:39.559 --> 00:47:43.000
<v Speaker 6>The legal fees are they still pending? Do you still

926
00:47:43.039 --> 00:47:44.639
<v Speaker 6>have judgments or any problems?

927
00:47:46.239 --> 00:47:46.639
<v Speaker 11>No?

928
00:47:46.639 --> 00:47:50.000
<v Speaker 12>No, it's just been ongoing legal fees with fix White

929
00:47:50.079 --> 00:47:52.679
<v Speaker 12>and that's created That's what created all my debt.

930
00:47:52.920 --> 00:47:54.880
<v Speaker 7>But is that over right now?

931
00:47:56.320 --> 00:48:00.239
<v Speaker 12>It's over for now. I need to spile emotion at

932
00:48:00.239 --> 00:48:02.400
<v Speaker 12>some point, but I can wait on that.

933
00:48:02.599 --> 00:48:05.599
<v Speaker 7>Is this okay? Hold on? Because this is really because

934
00:48:05.599 --> 00:48:06.679
<v Speaker 7>there's a reason.

935
00:48:06.360 --> 00:48:08.800
<v Speaker 6>I'm asking when it comes to borrowing money in something

936
00:48:08.840 --> 00:48:12.400
<v Speaker 6>called less pendance. Hold on, I'm Tom Martine three h

937
00:48:12.480 --> 00:48:15.920
<v Speaker 6>three seven to one three Talk seven one three eight

938
00:48:15.920 --> 00:48:19.559
<v Speaker 6>two five five Denver Regen dot com. They do hair

939
00:48:20.679 --> 00:48:23.559
<v Speaker 6>what do you call it? Regeneration? Really, Denverregen dot com

940
00:48:23.559 --> 00:48:24.559
<v Speaker 6>with stem cell therapy.

941
00:48:24.840 --> 00:48:26.000
<v Speaker 7>It's actually working for me.

942
00:48:26.039 --> 00:48:29.119
<v Speaker 6>Okay, I wasn't going to talk about it. I'm not

943
00:48:29.159 --> 00:48:32.159
<v Speaker 6>saying that, you know, I'm Samson right now, but it

944
00:48:32.280 --> 00:48:35.119
<v Speaker 6>truly has filled in a lot of spots, and it's

945
00:48:35.239 --> 00:48:37.559
<v Speaker 6>just been about four weeks, three or four weeks, and

946
00:48:38.400 --> 00:48:47.400
<v Speaker 6>you ought to check it out. Denverregen dot com. Go

947
00:48:47.559 --> 00:48:51.280
<v Speaker 6>with a sure thing Denver's best roofer Excel Roofing dot com.

948
00:48:51.320 --> 00:48:57.039
<v Speaker 6>You don't pay a cent until you're content. Time for

949
00:48:57.079 --> 00:49:00.320
<v Speaker 6>an insurance check up free, no obligation. In comparison, call

950
00:49:00.400 --> 00:49:03.679
<v Speaker 6>Compass Insurance paying too much your coverage at dozens of

951
00:49:03.719 --> 00:49:06.360
<v Speaker 6>insurance companies find out now three oh three seven to

952
00:49:06.440 --> 00:49:09.239
<v Speaker 6>seven to one help. You'll think you're his only customer

953
00:49:09.280 --> 00:49:11.519
<v Speaker 6>when you choose Frank durand the real estate Man dot

954
00:49:11.559 --> 00:49:14.920
<v Speaker 6>com to list your home with Remax Alliance three oh

955
00:49:14.920 --> 00:49:23.320
<v Speaker 6>three nine two zero sixteen twenty two. Hi Tom Martino,

956
00:49:23.519 --> 00:49:28.079
<v Speaker 6>your troubleshooter three three seven one three Talk three oh

957
00:49:28.079 --> 00:49:32.280
<v Speaker 6>three seven one three eight two five five. All right,

958
00:49:32.360 --> 00:49:35.039
<v Speaker 6>let's talk and find out what's on your mind today.

959
00:49:35.159 --> 00:49:39.679
<v Speaker 6>Alan's talking about debt consolidation, and there is a bit

960
00:49:39.719 --> 00:49:43.000
<v Speaker 6>of a problem. He doesn't have income. He's not quite

961
00:49:43.039 --> 00:49:46.000
<v Speaker 6>old enough for a reverse mortgage, although that would have

962
00:49:46.000 --> 00:49:49.480
<v Speaker 6>been great for him. Actually, a reverse loan would have

963
00:49:49.480 --> 00:49:51.880
<v Speaker 6>been perfect for him at this point, and he could

964
00:49:51.960 --> 00:49:55.239
<v Speaker 6>always convert it back, but he's too young for that.

965
00:49:55.440 --> 00:49:57.840
<v Speaker 6>And I think they do have some reverse loans that

966
00:49:57.920 --> 00:50:01.599
<v Speaker 6>go younger, but I think they might be very expensive,

967
00:50:01.840 --> 00:50:04.400
<v Speaker 6>and you can't get a second. He'd have to redo everything,

968
00:50:05.119 --> 00:50:08.119
<v Speaker 6>and then he'd be paying much too much on a rate.

969
00:50:09.719 --> 00:50:13.159
<v Speaker 6>So he has two loans on his house, a first

970
00:50:13.239 --> 00:50:16.239
<v Speaker 6>and a second. The first is at a very low rate,

971
00:50:16.639 --> 00:50:20.559
<v Speaker 6>like three percent or less. The second is in the fours.

972
00:50:20.639 --> 00:50:24.599
<v Speaker 6>I believe he fives. It's a it's a helock. He'd

973
00:50:24.599 --> 00:50:27.679
<v Speaker 6>have to pay off that helock. He should be he

974
00:50:27.679 --> 00:50:31.159
<v Speaker 6>should easily qualify if he has income for a second,

975
00:50:31.199 --> 00:50:32.519
<v Speaker 6>but not until he gets a job.

976
00:50:32.960 --> 00:50:36.440
<v Speaker 7>So that's the dilemma we're facing right now, Allen.

977
00:50:37.559 --> 00:50:42.800
<v Speaker 6>How imminent is your failure to make payments, Because once

978
00:50:42.840 --> 00:50:45.800
<v Speaker 6>you don't make those payments, you're screwed.

979
00:50:46.599 --> 00:50:49.360
<v Speaker 7>Because you're not going to be able to refi or that.

980
00:50:49.400 --> 00:50:53.159
<v Speaker 12>Second yeah, on the mortgage and the helock.

981
00:50:53.239 --> 00:50:57.599
<v Speaker 6>You mean, I want to know on everything, how imminent

982
00:50:57.760 --> 00:50:59.079
<v Speaker 6>is your failure to pay.

983
00:51:01.039 --> 00:51:06.119
<v Speaker 12>I could probably hold out another two to three months.

984
00:51:06.199 --> 00:51:08.159
<v Speaker 7>And will you have income by then?

985
00:51:10.039 --> 00:51:12.800
<v Speaker 12>I plan on it one way or another. It just

986
00:51:12.880 --> 00:51:16.039
<v Speaker 12>may not be enough to make my monthly payments.

987
00:51:18.000 --> 00:51:21.880
<v Speaker 6>No, no, no no unless you consolidate. So I think

988
00:51:21.920 --> 00:51:24.800
<v Speaker 6>what we need to do is we need to get.

989
00:51:24.639 --> 00:51:25.440
<v Speaker 7>An expert on.

990
00:51:28.000 --> 00:51:30.960
<v Speaker 6>And we need to get an expert on regarding consolidation.

991
00:51:31.159 --> 00:51:36.239
<v Speaker 7>I want to start with Ideal Home Loans and Brent Ivanson,

992
00:51:37.320 --> 00:51:39.920
<v Speaker 7>So Kaschina, let's try to get brent On to talk

993
00:51:39.960 --> 00:51:43.320
<v Speaker 7>about this and see what we can do.

994
00:51:43.719 --> 00:51:46.960
<v Speaker 6>Three zho three seven to one to three talk allan,

995
00:51:47.079 --> 00:51:50.119
<v Speaker 6>hang on, and then we'll make a couple calls. I

996
00:51:50.159 --> 00:51:54.480
<v Speaker 6>want to ask them about the qualifications for a second

997
00:51:54.880 --> 00:51:57.360
<v Speaker 6>and how long you'd have to wait, and what the

998
00:51:57.480 --> 00:52:02.639
<v Speaker 6>rates might be doing with those seconds, because I'm almost

999
00:52:02.679 --> 00:52:06.079
<v Speaker 6>sure you don't want to touch that first. That payment

1000
00:52:06.159 --> 00:52:10.760
<v Speaker 6>is very low and manageable. Buddy Mitchell is with us

1001
00:52:10.800 --> 00:52:15.000
<v Speaker 6>from simply floors Ink. As you'll see if you're streaming

1002
00:52:15.079 --> 00:52:19.239
<v Speaker 6>right now, we had some questions, some floor covering questions.

1003
00:52:19.280 --> 00:52:21.519
<v Speaker 7>I had one about cutting a.

1004
00:52:21.480 --> 00:52:25.639
<v Speaker 6>Threshold near a door to keep liquid from wicking from

1005
00:52:25.679 --> 00:52:29.119
<v Speaker 6>the door when moisture gets at the door people walk in.

1006
00:52:30.880 --> 00:52:33.840
<v Speaker 6>I personally believe that if you have an exterior door

1007
00:52:33.840 --> 00:52:37.239
<v Speaker 6>of any kind, having carpet right up to the right

1008
00:52:37.320 --> 00:52:40.119
<v Speaker 6>up to the threshold, in my opinion, is not a

1009
00:52:40.119 --> 00:52:40.599
<v Speaker 6>good idea.

1010
00:52:40.639 --> 00:52:43.320
<v Speaker 7>That's why I'm think in houses you always see some

1011
00:52:43.440 --> 00:52:47.119
<v Speaker 7>kind of a tile, landing or something when you walk

1012
00:52:47.159 --> 00:52:49.559
<v Speaker 7>in a door. I don't actually know how you feel

1013
00:52:49.599 --> 00:52:52.599
<v Speaker 7>about that, buddy, but in general.

1014
00:52:53.239 --> 00:52:55.039
<v Speaker 17>We do it all the time because it's done all

1015
00:52:55.079 --> 00:52:55.400
<v Speaker 17>the time.

1016
00:52:55.440 --> 00:52:59.119
<v Speaker 6>But I agree when because even if the door doesn't leak,

1017
00:52:59.239 --> 00:53:02.639
<v Speaker 6>just walking in the door, you're constantly on that carpet.

1018
00:53:02.800 --> 00:53:06.039
<v Speaker 17>Yeah, a lot of the basement builders that we work with,

1019
00:53:06.079 --> 00:53:09.079
<v Speaker 17>we do a lot of work for like basement remodeler guys. Yeah,

1020
00:53:09.119 --> 00:53:12.280
<v Speaker 17>and we always recommend they put a tile or some

1021
00:53:12.320 --> 00:53:15.400
<v Speaker 17>sort of landing that you come inpe your feet off,

1022
00:53:15.440 --> 00:53:18.199
<v Speaker 17>take off your shoes so you don't get the carpet trashed.

1023
00:53:19.239 --> 00:53:25.760
<v Speaker 7>Somebody has a question on inlaid hardwood, do you have

1024
00:53:25.920 --> 00:53:31.280
<v Speaker 7>people that can do design or inlays with darker woods

1025
00:53:31.320 --> 00:53:36.079
<v Speaker 7>to make a design in an area of hardwood. No,

1026
00:53:36.320 --> 00:53:37.280
<v Speaker 7>you know what I mean though.

1027
00:53:37.239 --> 00:53:40.079
<v Speaker 17>Yeah, that would be a site finished company. We don't

1028
00:53:40.119 --> 00:53:43.480
<v Speaker 17>do site finished hardwood. We pre finished hardwood.

1029
00:53:43.760 --> 00:53:46.679
<v Speaker 7>Okay, So how are they done?

1030
00:53:47.079 --> 00:53:50.440
<v Speaker 6>They literally cut the pieces now or maybe have a

1031
00:53:50.480 --> 00:53:52.719
<v Speaker 6>computer design it and then do it all at once.

1032
00:53:53.039 --> 00:53:56.199
<v Speaker 17>Yeah, it depends on You can buy pre made ones,

1033
00:53:56.360 --> 00:53:59.559
<v Speaker 17>oh you can, okay, yeah, and then you just you know,

1034
00:53:59.599 --> 00:54:02.280
<v Speaker 17>a really good carpenter can cut it out and inlay

1035
00:54:02.320 --> 00:54:05.800
<v Speaker 17>it and then putty it, sand it, stain it and

1036
00:54:06.199 --> 00:54:06.760
<v Speaker 17>finish it.

1037
00:54:07.599 --> 00:54:07.800
<v Speaker 13>You know.

1038
00:54:07.840 --> 00:54:09.159
<v Speaker 17>That's a site finished floor.

1039
00:54:09.480 --> 00:54:11.599
<v Speaker 7>And somebody else wants to know. Do you do tile?

1040
00:54:12.119 --> 00:54:14.119
<v Speaker 17>Yeah, we have a crew that we work with that

1041
00:54:14.199 --> 00:54:16.639
<v Speaker 17>does the actual labor. We sell the material. You do

1042
00:54:16.719 --> 00:54:18.800
<v Speaker 17>sell material, We sell the material, and then we work

1043
00:54:18.840 --> 00:54:19.840
<v Speaker 17>with the guy you met it.

1044
00:54:20.119 --> 00:54:22.440
<v Speaker 7>No, no, I know, yeah, we're going to use that guy.

1045
00:54:22.559 --> 00:54:27.159
<v Speaker 7>So so tile is it getting more popular or less

1046
00:54:27.239 --> 00:54:27.719
<v Speaker 7>or the same?

1047
00:54:27.880 --> 00:54:28.519
<v Speaker 17>About the same.

1048
00:54:28.920 --> 00:54:32.039
<v Speaker 7>But it's a pretty steady. I see tile all over

1049
00:54:32.079 --> 00:54:32.480
<v Speaker 7>the place.

1050
00:54:32.559 --> 00:54:34.880
<v Speaker 6>Even where I see hardwood, I see a lot of

1051
00:54:35.039 --> 00:54:37.559
<v Speaker 6>mixed media or a mixed flooring.

1052
00:54:37.599 --> 00:54:38.440
<v Speaker 7>Do you see that a lot?

1053
00:54:38.519 --> 00:54:41.840
<v Speaker 6>I mean, I don't see any houses with any one flooring,

1054
00:54:43.679 --> 00:54:46.280
<v Speaker 6>you do, but they're they're rare normally.

1055
00:54:46.360 --> 00:54:48.480
<v Speaker 17>If it was my house, I would just put I would.

1056
00:54:48.519 --> 00:54:51.599
<v Speaker 17>I would never put LVP in a bathroom in the

1057
00:54:51.760 --> 00:54:55.239
<v Speaker 17>cross powder unless it's a powder room, right, because.

1058
00:54:54.960 --> 00:54:55.559
<v Speaker 7>Of the moisture.

1059
00:54:55.800 --> 00:54:57.599
<v Speaker 17>And I wouldn't put it in a laundry room.

1060
00:54:57.639 --> 00:54:58.800
<v Speaker 7>What about a finished basement.

1061
00:54:59.440 --> 00:55:01.199
<v Speaker 17>We put it in finished basements all the time.

1062
00:55:01.199 --> 00:55:03.880
<v Speaker 6>Oh you do, okay, So why wouldn't you put it

1063
00:55:03.880 --> 00:55:06.760
<v Speaker 6>in a bathroom? Because water is just not its friend. Well,

1064
00:55:06.880 --> 00:55:09.000
<v Speaker 6>LVP is waterproof topically.

1065
00:55:09.159 --> 00:55:12.199
<v Speaker 17>If it sets in water over time, it can curl

1066
00:55:12.239 --> 00:55:16.960
<v Speaker 17>and get britle, but you can't seal it. So I

1067
00:55:17.000 --> 00:55:19.320
<v Speaker 17>had four kids, right, Yeah, when my kids got out

1068
00:55:19.360 --> 00:55:22.039
<v Speaker 17>of the tub, you know, get wet. And if that

1069
00:55:22.159 --> 00:55:25.400
<v Speaker 17>water goes and gets underneath the tie the LVP, now

1070
00:55:25.400 --> 00:55:26.199
<v Speaker 17>you can cock it.

1071
00:55:26.320 --> 00:55:27.440
<v Speaker 7>But you know how cock is it.

1072
00:55:28.360 --> 00:55:30.239
<v Speaker 17>You were just saying you had a door that you've

1073
00:55:30.239 --> 00:55:32.440
<v Speaker 17>done everything you can to keep water from coming in.

1074
00:55:32.719 --> 00:55:35.719
<v Speaker 17>Once water gets under LVP, it's going to start growing mold.

1075
00:55:35.920 --> 00:55:39.039
<v Speaker 17>The LVP won't, but the wood will. And you know,

1076
00:55:39.199 --> 00:55:43.440
<v Speaker 17>and now you have plastic trapping water on your wood floor.

1077
00:55:43.519 --> 00:55:48.480
<v Speaker 17>And so anybody that recommends that it isn't smart. You know,

1078
00:55:48.519 --> 00:55:50.920
<v Speaker 17>if you want to seal a floor so you can

1079
00:55:50.960 --> 00:55:52.639
<v Speaker 17>get it wet.

1080
00:55:52.880 --> 00:55:53.719
<v Speaker 7>Now use tile.

1081
00:55:54.800 --> 00:55:57.199
<v Speaker 6>Somebody else wants to know something about why let me

1082
00:55:57.239 --> 00:56:00.679
<v Speaker 6>take this break. It's about putting flooring over a basement

1083
00:56:00.880 --> 00:56:04.639
<v Speaker 6>concrete floor. What are the best ways to do it?

1084
00:56:05.440 --> 00:56:07.559
<v Speaker 6>Some people were told they can go right over it.

1085
00:56:07.599 --> 00:56:10.519
<v Speaker 6>Others said they need a sub base of a floor.

1086
00:56:10.559 --> 00:56:13.119
<v Speaker 6>Some people said they need a thin set. They want

1087
00:56:13.119 --> 00:56:15.639
<v Speaker 6>to know what they should do. Three oh three, seven

1088
00:56:15.639 --> 00:56:18.039
<v Speaker 6>to one to three. Talk is our number seven one

1089
00:56:18.079 --> 00:56:21.880
<v Speaker 6>three eight two five five. If you have any questions,

1090
00:56:22.159 --> 00:56:24.039
<v Speaker 6>it doesn't have to be about floor coverings, but if

1091
00:56:24.039 --> 00:56:26.119
<v Speaker 6>you do give us a call, we really.

1092
00:56:25.880 --> 00:56:30.320
<v Speaker 7>Would love to help you. And also if you have

1093
00:56:30.400 --> 00:56:34.719
<v Speaker 7>any questions about uh not just floors, but we're going

1094
00:56:34.800 --> 00:56:39.800
<v Speaker 7>to talk about something else that buddy's an expert at Hey, Tom, I.

1095
00:56:39.840 --> 00:56:40.239
<v Speaker 18>Spoke to you.

1096
00:56:40.400 --> 00:56:43.840
<v Speaker 7>That's outdoor cooking. Oh my god, he's a genius. What

1097
00:56:44.119 --> 00:56:48.239
<v Speaker 7>I spoke tones you did? Oh good, we'll talk about

1098
00:56:48.280 --> 00:56:49.800
<v Speaker 7>that coming up. I'm Tom Martino.

1099
00:56:49.880 --> 00:56:52.480
<v Speaker 6>Three O three seven to one to three talk and

1100
00:56:52.639 --> 00:56:55.239
<v Speaker 6>speaking of waterwaterpros dot net. If you want soft water

1101
00:56:55.280 --> 00:56:57.039
<v Speaker 6>around the whole house, good for your laundry, good for

1102
00:56:57.039 --> 00:56:58.880
<v Speaker 6>your skin, good for your plumbing, good for everything.

1103
00:56:59.199 --> 00:57:02.159
<v Speaker 7>Around thirty five hundred thirty four hundred bucks fully installed

1104
00:57:02.320 --> 00:57:02.800
<v Speaker 7>in the house.

1105
00:57:02.800 --> 00:57:06.480
<v Speaker 6>You will ever get a better price for a better system, ever,

1106
00:57:07.159 --> 00:57:09.960
<v Speaker 6>and that's three oh three eight six two five fifty

1107
00:57:10.000 --> 00:57:17.480
<v Speaker 6>five four. Go with a sure thing Denver's best roofer

1108
00:57:17.639 --> 00:57:20.559
<v Speaker 6>Excel Roofing dot com. You don't pay a cent until

1109
00:57:20.559 --> 00:57:26.320
<v Speaker 6>you're content, wait time for an insurance check up free,

1110
00:57:26.400 --> 00:57:30.119
<v Speaker 6>no obligation. In comparison, call Compass Insurance paying too much

1111
00:57:30.239 --> 00:57:33.159
<v Speaker 6>your coverage at dozens of insurance companies find out now

1112
00:57:33.239 --> 00:57:35.559
<v Speaker 6>three oh three seven to seven to one help. You'll

1113
00:57:35.559 --> 00:57:38.320
<v Speaker 6>think you're his only customer when you choose Frank durand

1114
00:57:38.320 --> 00:57:40.760
<v Speaker 6>the real estate Man dot com to list your home

1115
00:57:40.960 --> 00:57:44.119
<v Speaker 6>with Remax Alliance. Three oh three nine two zero sixteen

1116
00:57:44.199 --> 00:57:44.920
<v Speaker 6>twenty two.

1117
00:57:46.039 --> 00:57:48.320
<v Speaker 17>Was truck.

1118
00:57:49.599 --> 00:57:52.480
<v Speaker 7>Dan and yeah, that's amazing.

1119
00:57:52.679 --> 00:57:56.119
<v Speaker 6>Tom Martino here three oh three, seven to one three

1120
00:57:56.159 --> 00:57:58.880
<v Speaker 6>talks you'll see seven one three eight two five five.

1121
00:58:00.760 --> 00:58:02.519
<v Speaker 6>We're trying to get a hold of our mortgage expert

1122
00:58:02.559 --> 00:58:07.000
<v Speaker 6>doesn't seem to be available, but alan what we can

1123
00:58:07.039 --> 00:58:11.079
<v Speaker 6>do is contact you when we get a hold of them.

1124
00:58:11.519 --> 00:58:13.559
<v Speaker 7>I'm almost positive.

1125
00:58:14.559 --> 00:58:18.880
<v Speaker 6>You're going to need income to get that second, otherwise

1126
00:58:18.920 --> 00:58:21.360
<v Speaker 6>you're going to pay out rageous amounts on a what's

1127
00:58:21.440 --> 00:58:25.039
<v Speaker 6>called a hard money loan, that's a collateral based loan.

1128
00:58:26.880 --> 00:58:29.920
<v Speaker 12>Well, one thing that we haven't talked about yet today

1129
00:58:29.960 --> 00:58:33.880
<v Speaker 12>what I mentioned yesterday. I'm more concerned not about the elock,

1130
00:58:33.960 --> 00:58:37.440
<v Speaker 12>but about my credit card debt. I have that sixty

1131
00:58:37.519 --> 00:58:42.639
<v Speaker 12>thousand dollars and it's an average splended rate of twenty percent.

1132
00:58:43.639 --> 00:58:45.800
<v Speaker 12>That's what I really think I need to get rid of.

1133
00:58:46.000 --> 00:58:49.599
<v Speaker 6>And you will, and you and you can easily easily

1134
00:58:49.840 --> 00:58:54.880
<v Speaker 6>with a consolidation loan on your home, but you're gonna

1135
00:58:55.559 --> 00:58:59.119
<v Speaker 6>people are very reluctant to do thirds. So you have

1136
00:58:59.159 --> 00:59:00.960
<v Speaker 6>a first and a second, and you pay off your

1137
00:59:01.000 --> 00:59:05.280
<v Speaker 6>second and increase it by maybe thirty I mean, that

1138
00:59:05.360 --> 00:59:06.239
<v Speaker 6>should be very.

1139
00:59:06.079 --> 00:59:06.840
<v Speaker 7>Easy for you.

1140
00:59:07.159 --> 00:59:10.199
<v Speaker 6>So that would be a total of about one hundred

1141
00:59:10.239 --> 00:59:12.559
<v Speaker 6>on your second, three point fifty on your first.

1142
00:59:12.679 --> 00:59:14.840
<v Speaker 7>Your house is worth nine hundred.

1143
00:59:15.039 --> 00:59:18.400
<v Speaker 6>You should have no problems when it comes to LTV

1144
00:59:18.599 --> 00:59:22.920
<v Speaker 6>or loan to value. But your debt to income ratio

1145
00:59:23.519 --> 00:59:27.639
<v Speaker 6>will be reduced because they take into consideration what your

1146
00:59:27.679 --> 00:59:29.840
<v Speaker 6>debt will be after the consolidation.

1147
00:59:31.119 --> 00:59:33.519
<v Speaker 7>But you still I don't know what income you're going

1148
00:59:33.599 --> 00:59:35.320
<v Speaker 7>to need. That's what we were going to try to do,

1149
00:59:35.920 --> 00:59:40.360
<v Speaker 7>is pre qualify you or look for other options.

1150
00:59:42.159 --> 00:59:44.280
<v Speaker 6>I don't know what else to tell you. A hard

1151
00:59:44.360 --> 00:59:50.039
<v Speaker 6>money lender is going to be eight or nine percent

1152
00:59:51.719 --> 00:59:58.400
<v Speaker 6>okay on one hundred grand easily, So you know, are

1153
00:59:58.400 --> 01:00:01.239
<v Speaker 6>you prepared to pay that? You could probably get an

1154
01:00:01.280 --> 01:00:04.559
<v Speaker 6>equity only loan for about one hundred grand if your

1155
01:00:04.559 --> 01:00:09.119
<v Speaker 6>house appraises and that, but but you know that's a lot,

1156
01:00:09.760 --> 01:00:13.320
<v Speaker 6>and usually a hard money lender doesn't want to admortize,

1157
01:00:14.039 --> 01:00:17.280
<v Speaker 6>so they would do one hundred grand interest only. And

1158
01:00:17.400 --> 01:00:22.320
<v Speaker 6>let's say worst case nine percent, you're talking about nine

1159
01:00:22.519 --> 01:00:27.119
<v Speaker 6>grand a year, so you're talking about seven hundred and

1160
01:00:27.119 --> 01:00:27.840
<v Speaker 6>fifty a month.

1161
01:00:28.519 --> 01:00:29.679
<v Speaker 7>So what are your payments?

1162
01:00:29.840 --> 01:00:32.559
<v Speaker 6>Now, let's just say worst case scenario, hard money lender,

1163
01:00:33.199 --> 01:00:37.119
<v Speaker 6>they lend you that for They lend you that for

1164
01:00:37.639 --> 01:00:41.000
<v Speaker 6>six months or whatever or a year until you establish

1165
01:00:41.119 --> 01:00:42.039
<v Speaker 6>then you refy it.

1166
01:00:42.599 --> 01:00:47.920
<v Speaker 7>That's really what you do. You refy the second how

1167
01:00:48.000 --> 01:00:50.239
<v Speaker 7>much is it? Let's just say your payment was seven

1168
01:00:50.360 --> 01:00:52.760
<v Speaker 7>fifty or eight hundred a month on that one hundred

1169
01:00:52.760 --> 01:00:56.559
<v Speaker 7>only how much that's a.

1170
01:00:56.519 --> 01:00:59.480
<v Speaker 12>Lot less to what I'm saying on my minimum payment

1171
01:00:59.559 --> 01:01:00.599
<v Speaker 12>something credit cards?

1172
01:01:00.920 --> 01:01:03.920
<v Speaker 7>What is your minimum payment? What do your minimum payments

1173
01:01:04.000 --> 01:01:04.519
<v Speaker 7>add up to.

1174
01:01:06.079 --> 01:01:13.480
<v Speaker 12>For the credit cards, probably twelve hundred for E for

1175
01:01:13.639 --> 01:01:18.440
<v Speaker 12>the the second or for the keylock, it's about five fifty.

1176
01:01:19.320 --> 01:01:21.320
<v Speaker 6>So you would save a ton of money doing it

1177
01:01:21.480 --> 01:01:25.000
<v Speaker 6>this way, but you would, you know, don't rush into

1178
01:01:25.119 --> 01:01:29.719
<v Speaker 6>that because hard money lenders. I don't want to make

1179
01:01:29.760 --> 01:01:32.000
<v Speaker 6>it sound like they're bad guys. I've done some hard

1180
01:01:32.039 --> 01:01:33.239
<v Speaker 6>money loans in the past.

1181
01:01:33.800 --> 01:01:34.480
<v Speaker 7>It's there.

1182
01:01:34.639 --> 01:01:36.920
<v Speaker 6>They are people who simply want to get a short.

1183
01:01:37.320 --> 01:01:40.039
<v Speaker 6>When I say short, up to five year return, a

1184
01:01:40.280 --> 01:01:45.639
<v Speaker 6>decent return on an asset that's pretty secure. But they

1185
01:01:46.199 --> 01:01:49.480
<v Speaker 6>will never do it for less than that, for less

1186
01:01:49.519 --> 01:01:52.639
<v Speaker 6>than a few points over the market, because they could

1187
01:01:52.880 --> 01:01:55.280
<v Speaker 6>they can get a T bill at six percent right now,

1188
01:01:55.400 --> 01:01:58.639
<v Speaker 6>you know what I'm saying, So you gotta there has

1189
01:01:58.719 --> 01:02:02.440
<v Speaker 6>to be incentive. But I think worst case scenario that

1190
01:02:02.480 --> 01:02:04.960
<v Speaker 6>I was trying to quote you, I don't think you'd

1191
01:02:05.000 --> 01:02:08.280
<v Speaker 6>have a problem finding a lender at nine percent.

1192
01:02:08.679 --> 01:02:10.199
<v Speaker 7>I don't. I do not think so.

1193
01:02:12.199 --> 01:02:16.119
<v Speaker 12>If I, even if my credit rating is pretty low, that's.

1194
01:02:16.000 --> 01:02:18.719
<v Speaker 6>Exactly what a hard money lender doesn't care about. Let

1195
01:02:18.800 --> 01:02:21.440
<v Speaker 6>me put it to you this way, if you have

1196
01:02:21.559 --> 01:02:23.400
<v Speaker 6>a home. And I hate to put it in these terms,

1197
01:02:23.480 --> 01:02:26.280
<v Speaker 6>but if you have a homework nine hundred, you have

1198
01:02:26.400 --> 01:02:29.840
<v Speaker 6>three fifty against it. Somebody loans you one hundred, now

1199
01:02:29.880 --> 01:02:34.239
<v Speaker 6>you have four fifty. Okay, so five fifty six fifty

1200
01:02:34.280 --> 01:02:35.199
<v Speaker 6>seven fifty eight.

1201
01:02:35.199 --> 01:02:38.079
<v Speaker 7>Fifty, So you have you have like, let's say four

1202
01:02:38.239 --> 01:02:41.800
<v Speaker 7>hundred and fifty thousand inequity. Let's say even four hundred.

1203
01:02:43.119 --> 01:02:45.480
<v Speaker 6>If I gave if I loaned you the money at

1204
01:02:45.559 --> 01:02:49.920
<v Speaker 6>nine percent and you defaulted, I would be thinking, the Lord,

1205
01:02:50.639 --> 01:02:52.840
<v Speaker 6>you know I'm not I don't mean, I'm just kidding,

1206
01:02:52.880 --> 01:02:54.920
<v Speaker 6>you know what I'm saying. But in other words, because

1207
01:02:55.039 --> 01:02:58.760
<v Speaker 6>I would be able to sell that house, get all

1208
01:02:58.840 --> 01:03:03.719
<v Speaker 6>of my money, and be done with it. So when

1209
01:03:03.760 --> 01:03:12.320
<v Speaker 6>you have equity, equity, Trump's income for hard loans, for

1210
01:03:12.440 --> 01:03:16.000
<v Speaker 6>real loans, but for conventional loans where you want to

1211
01:03:16.000 --> 01:03:20.400
<v Speaker 6>get market rate, and market rate on a second, by

1212
01:03:20.480 --> 01:03:23.239
<v Speaker 6>the way, is not going to be as much is

1213
01:03:23.760 --> 01:03:25.320
<v Speaker 6>going to be a little more than on a first,

1214
01:03:25.639 --> 01:03:27.480
<v Speaker 6>but it's still going to save you a ton of money.

1215
01:03:27.920 --> 01:03:30.559
<v Speaker 6>I would first go the conventional route. But for that

1216
01:03:31.159 --> 01:03:35.840
<v Speaker 6>you need income, and you need credit. Okay, once you know,

1217
01:03:36.159 --> 01:03:38.760
<v Speaker 6>once you don't have credit, or you don't have income,

1218
01:03:39.400 --> 01:03:42.760
<v Speaker 6>you may not have a choice but to do hard

1219
01:03:42.840 --> 01:03:46.039
<v Speaker 6>money lending. And I listen, I know people, and I'll

1220
01:03:46.119 --> 01:03:50.119
<v Speaker 6>tell you right now, there are at least one hundred

1221
01:03:50.159 --> 01:03:52.920
<v Speaker 6>people right now listening to me that that say, wait

1222
01:03:52.960 --> 01:03:55.719
<v Speaker 6>a minute, if he truly has a house worth nine

1223
01:03:56.760 --> 01:03:58.800
<v Speaker 6>and he's got only three point fifty on a first

1224
01:03:59.480 --> 01:04:02.039
<v Speaker 6>I'll let badly loan them one hundred grand at nine percent.

1225
01:04:02.239 --> 01:04:04.760
<v Speaker 6>Right now, there's at least one hundred people listening that

1226
01:04:04.800 --> 01:04:07.360
<v Speaker 6>would do it right now. I know they would, because

1227
01:04:07.719 --> 01:04:10.400
<v Speaker 6>nobody in their right mind would turn that down. But

1228
01:04:10.920 --> 01:04:14.599
<v Speaker 6>but the thing I have against hard money that I

1229
01:04:14.719 --> 01:04:18.280
<v Speaker 6>don't like. I like making return on investment.

1230
01:04:18.800 --> 01:04:24.960
<v Speaker 7>I don't like profiting or somebody failing. Do you know

1231
01:04:25.039 --> 01:04:25.519
<v Speaker 7>what I'm saying.

1232
01:04:26.400 --> 01:04:29.239
<v Speaker 6>My whole idea is to help someone succeed, and if

1233
01:04:29.320 --> 01:04:31.679
<v Speaker 6>someone can't make the payments. I had one time a

1234
01:04:31.760 --> 01:04:34.280
<v Speaker 6>guy who did a hard money loan with me, I

1235
01:04:34.400 --> 01:04:36.400
<v Speaker 6>told them, listen, this is the worst thing you can

1236
01:04:36.480 --> 01:04:39.440
<v Speaker 6>do if you're not if you don't plan this, I said,

1237
01:04:39.480 --> 01:04:42.719
<v Speaker 6>you got to pay it back now. I didn't end

1238
01:04:42.800 --> 01:04:46.239
<v Speaker 6>up foreclosing on the guy because I just couldn't. But

1239
01:04:46.519 --> 01:04:49.559
<v Speaker 6>so to me, it was like an unsecured loan almost

1240
01:04:49.599 --> 01:04:51.199
<v Speaker 6>because I didn't want to put him on the on

1241
01:04:51.280 --> 01:04:53.760
<v Speaker 6>the street with his family. He had a house in Elizabeth,

1242
01:04:54.320 --> 01:04:57.079
<v Speaker 6>so instead I had to fight like hell to find

1243
01:04:57.119 --> 01:05:00.920
<v Speaker 6>somebody else to take the loan. But I told them,

1244
01:05:00.920 --> 01:05:03.360
<v Speaker 6>I said, when someone else takes this loan, if you

1245
01:05:03.480 --> 01:05:07.639
<v Speaker 6>don't pay them, they're going to foreclose. So that's the

1246
01:05:07.800 --> 01:05:11.199
<v Speaker 6>one thing that's bad about hard money lending. They don't

1247
01:05:11.519 --> 01:05:16.679
<v Speaker 6>They usually don't hesitate to foreclose. So hang on, sir, okay,

1248
01:05:17.039 --> 01:05:18.960
<v Speaker 6>and again, what I'm going to do is call you

1249
01:05:19.119 --> 01:05:22.000
<v Speaker 6>back when we get one of our experts on that

1250
01:05:22.159 --> 01:05:24.159
<v Speaker 6>can chew the fat with us on this.

1251
01:05:24.320 --> 01:05:27.440
<v Speaker 7>Okay, now, Bob, here's what I want you to do,

1252
01:05:27.599 --> 01:05:32.519
<v Speaker 7>Kachina or if you can help me here Bob, Alice

1253
01:05:32.639 --> 01:05:34.719
<v Speaker 7>and Mike, I can get to all of you coming up.

1254
01:05:34.920 --> 01:05:37.119
<v Speaker 7>Just hang on three oh three seven one three A

1255
01:05:37.280 --> 01:05:38.039
<v Speaker 7>two five five.

1256
01:05:39.320 --> 01:05:44.960
<v Speaker 6>What's go with a sure thing? Denver's Best roofer Excel

1257
01:05:45.079 --> 01:05:48.119
<v Speaker 6>roofing dot com. You don't pay a cent until you're content.

1258
01:05:51.519 --> 01:05:54.679
<v Speaker 6>Time for an insurance check up free, no obligation. In comparison,

1259
01:05:54.840 --> 01:05:58.360
<v Speaker 6>call Compass insurance paying too much your coverage at dozens

1260
01:05:58.400 --> 01:06:00.760
<v Speaker 6>of insurance companies find out now wow three all three

1261
01:06:00.920 --> 01:06:03.480
<v Speaker 6>seven seven to one. Help You'll think you're his only

1262
01:06:03.599 --> 01:06:06.039
<v Speaker 6>customer when you choose Frank durand the real estate man

1263
01:06:06.119 --> 01:06:09.519
<v Speaker 6>dot com to list your home with Remax Alliance three

1264
01:06:09.599 --> 01:06:15.840
<v Speaker 6>all three nine two zero sixteen twenty two. Hey Tom Martino,

1265
01:06:16.840 --> 01:06:20.639
<v Speaker 6>your troubleshooter three O three seven one three talk three

1266
01:06:20.719 --> 01:06:24.079
<v Speaker 6>oh three seven one three eight two five five Bob,

1267
01:06:24.599 --> 01:06:26.039
<v Speaker 6>you have an issue with State Farm?

1268
01:06:26.159 --> 01:06:26.760
<v Speaker 7>What's going on?

1269
01:06:28.360 --> 01:06:33.440
<v Speaker 4>Yes, sir, I uh had a two thousand and five

1270
01:06:33.599 --> 01:06:37.119
<v Speaker 4>Gyms Sierra diesel truck stolen here a few weeks back,

1271
01:06:37.400 --> 01:06:40.079
<v Speaker 4>and State Farm wants to settle for nineteen thousand what

1272
01:06:40.159 --> 01:06:41.199
<v Speaker 4>they call cash value.

1273
01:06:42.119 --> 01:06:42.920
<v Speaker 13>And I know it's not a.

1274
01:06:42.960 --> 01:06:46.440
<v Speaker 4>Replacement cost, but just to come close to what it's worth.

1275
01:06:47.079 --> 01:06:48.119
<v Speaker 4>I tried to do some comment.

1276
01:06:48.199 --> 01:06:50.199
<v Speaker 7>Now, hold on, So it's a two thousand and five

1277
01:06:50.280 --> 01:06:50.840
<v Speaker 7>diesel truck.

1278
01:06:50.880 --> 01:06:53.760
<v Speaker 4>How many miles one hundred and thirty nine thousand, which

1279
01:06:53.840 --> 01:06:54.400
<v Speaker 4>is a really.

1280
01:06:54.239 --> 01:06:59.280
<v Speaker 7>Little one hundred and thirty nine thousand, And how much

1281
01:06:59.320 --> 01:07:00.400
<v Speaker 7>do they want to give you for it?

1282
01:07:01.199 --> 01:07:02.719
<v Speaker 4>Nineteen plus tax.

1283
01:07:04.480 --> 01:07:07.559
<v Speaker 7>Nineteen? And where do you why do you think it's

1284
01:07:07.599 --> 01:07:08.159
<v Speaker 7>worth more?

1285
01:07:09.239 --> 01:07:13.360
<v Speaker 4>Well, there were several modifications done to it pretty sweet ride.

1286
01:07:13.400 --> 01:07:16.719
<v Speaker 4>There is a power chip put in, and I got

1287
01:07:16.800 --> 01:07:18.800
<v Speaker 4>an estimate to put it in.

1288
01:07:18.920 --> 01:07:23.000
<v Speaker 6>Well, hold on though, when you increase the value of

1289
01:07:23.079 --> 01:07:27.360
<v Speaker 6>the truck, did you increase the stated value on your insurance?

1290
01:07:29.480 --> 01:07:31.280
<v Speaker 4>I told them everything that was on it when I

1291
01:07:31.639 --> 01:07:32.840
<v Speaker 4>got it seven years ago.

1292
01:07:33.440 --> 01:07:35.920
<v Speaker 7>How much do you feel it's worth. They want to

1293
01:07:35.920 --> 01:07:38.000
<v Speaker 7>give you nineteen plus tax? How much do you think

1294
01:07:38.039 --> 01:07:38.440
<v Speaker 7>it's worth?

1295
01:07:39.559 --> 01:07:42.480
<v Speaker 4>Twenty four? Cash value? About twenty nine or thirty?

1296
01:07:42.559 --> 01:07:42.920
<v Speaker 13>Retail?

1297
01:07:43.800 --> 01:07:46.400
<v Speaker 7>Yeah, it doesn't matter what retail is. It matters what.

1298
01:07:46.960 --> 01:07:49.440
<v Speaker 6>Well, actually it kind of does and kind of doesn't.

1299
01:07:51.079 --> 01:07:53.320
<v Speaker 6>They kind of have to give you what it's worth.

1300
01:07:54.000 --> 01:07:59.239
<v Speaker 6>And when you said retail and cash, they should be close.

1301
01:08:00.440 --> 01:08:03.039
<v Speaker 4>I would think they would be the difference between wholesale

1302
01:08:03.079 --> 01:08:04.039
<v Speaker 4>and retail for a dealer.

1303
01:08:04.119 --> 01:08:04.760
<v Speaker 7>Yeah, but they don't.

1304
01:08:05.000 --> 01:08:07.599
<v Speaker 6>But your plan doesn't pay you wholesale. It pays you

1305
01:08:07.800 --> 01:08:09.679
<v Speaker 6>replacement for that vehicle.

1306
01:08:10.360 --> 01:08:11.519
<v Speaker 15>It doesn't mean that it doesn't.

1307
01:08:12.880 --> 01:08:15.840
<v Speaker 4>Well specific they said, this is not a replacement value.

1308
01:08:18.319 --> 01:08:21.640
<v Speaker 7>Okay, no it's not. It's it's no, it's but it is.

1309
01:08:22.760 --> 01:08:25.720
<v Speaker 7>Let me explain. Let me explain this. Okay, they have

1310
01:08:25.920 --> 01:08:27.279
<v Speaker 7>to pay you what it's worth.

1311
01:08:27.840 --> 01:08:31.079
<v Speaker 6>Presumably if they pay you what it's worth you should

1312
01:08:31.079 --> 01:08:35.640
<v Speaker 6>be able to find another one for that price. Yeah, way,

1313
01:08:36.199 --> 01:08:39.199
<v Speaker 6>like if they said it was worth fifteen grand and

1314
01:08:39.279 --> 01:08:42.640
<v Speaker 6>there's not a truck anywhere for that price. Well it's

1315
01:08:42.920 --> 01:08:47.319
<v Speaker 6>while it's not replacement, they mean it's not replacement in

1316
01:08:47.439 --> 01:08:48.479
<v Speaker 6>a new You don't get.

1317
01:08:48.399 --> 01:08:52.159
<v Speaker 7>A new truck, but you do get what you lost. Now.

1318
01:08:52.239 --> 01:08:54.000
<v Speaker 6>I want to get compass on to talk about this,

1319
01:08:54.159 --> 01:08:57.920
<v Speaker 6>but I also want to try something else. Okay, hold on,

1320
01:08:58.039 --> 01:08:59.880
<v Speaker 6>I want to see if we can get petty details

1321
01:08:59.880 --> 01:09:04.279
<v Speaker 6>on again, Katchina. If we can't get petty details, I

1322
01:09:04.640 --> 01:09:13.199
<v Speaker 6>heard someone advertising all over Khow recently called Auto Value Experts.

1323
01:09:14.079 --> 01:09:17.159
<v Speaker 6>They're a new sponsor and they claim to do what

1324
01:09:17.279 --> 01:09:18.399
<v Speaker 6>petty details does.

1325
01:09:18.960 --> 01:09:20.920
<v Speaker 7>I'd like to I'd like to look up that ad

1326
01:09:21.000 --> 01:09:21.600
<v Speaker 7>and call them.

1327
01:09:22.319 --> 01:09:25.279
<v Speaker 6>Okay, are you are? You're hearing me right, Kagina, Just

1328
01:09:25.399 --> 01:09:31.199
<v Speaker 6>to blink twice whatever? Anyway, So I think they're called

1329
01:09:31.319 --> 01:09:34.720
<v Speaker 6>auto value Experts. So hang on, Sarain, We'll do that,

1330
01:09:34.880 --> 01:09:36.239
<v Speaker 6>Shan and make sure she heard that.

1331
01:09:36.359 --> 01:09:38.680
<v Speaker 7>Please, thank you. Well, she's looking at me, but I

1332
01:09:38.760 --> 01:09:43.039
<v Speaker 7>can't Okay, does she have like is she fogging a mirror?

1333
01:09:43.600 --> 01:09:46.880
<v Speaker 6>Go with a sure thing? Denver's Best roofer Excel Roofing

1334
01:09:46.960 --> 01:09:49.600
<v Speaker 6>dot com. You don't pay a cent until you're content.

1335
01:09:53.000 --> 01:09:56.119
<v Speaker 6>Time for an insurance check up free, no obligation. In comparison,

1336
01:09:56.319 --> 01:09:59.800
<v Speaker 6>call Compass Insurance paying too much your coverage at dozens

1337
01:09:59.800 --> 01:10:02.600
<v Speaker 6>of insurance companies find out now three all three seven

1338
01:10:02.720 --> 01:10:05.720
<v Speaker 6>seven one help. You'll think you're his only customer when

1339
01:10:05.720 --> 01:10:08.000
<v Speaker 6>you choose Frank durand the real estate Man dot com

1340
01:10:08.279 --> 01:10:11.359
<v Speaker 6>to list your home with Remax Alliance three all three

1341
01:10:11.479 --> 01:10:13.119
<v Speaker 6>nine two zero sixteen twenty two.

1342
01:10:13.880 --> 01:10:26.359
<v Speaker 1>Yeah, Rita News need advice so you don't have come

1343
01:10:26.560 --> 01:10:31.119
<v Speaker 1>running just as fast as you can. Shooter's gonna help

1344
01:10:31.399 --> 01:10:35.399
<v Speaker 1>come MANX is the Troubleshooter Show.

1345
01:10:36.079 --> 01:10:42.279
<v Speaker 7>Now Tom Martino, Hey, Tom Martino here, Welcome to the show.

1346
01:10:42.439 --> 01:10:43.760
<v Speaker 7>Three oh three seven one.

1347
01:10:43.720 --> 01:10:47.039
<v Speaker 6>Three talk seven one three eight two five five. What's

1348
01:10:47.159 --> 01:10:51.000
<v Speaker 6>happening in your life today? We have Buddy Mitchell with

1349
01:10:51.079 --> 01:10:52.680
<v Speaker 6>us from Simply Floors Inc.

1350
01:10:53.680 --> 01:10:54.199
<v Speaker 7>Dot com.

1351
01:10:54.359 --> 01:10:57.960
<v Speaker 6>If you need any floor covering advice of any kind,

1352
01:10:58.039 --> 01:11:01.199
<v Speaker 6>they're the experts Buddy and Karen Mitchell at Simply Floorsinc.

1353
01:11:02.000 --> 01:11:02.479
<v Speaker 7>Dot com.

1354
01:11:02.640 --> 01:11:05.399
<v Speaker 6>We also have a number of topics going on. I

1355
01:11:05.439 --> 01:11:09.079
<v Speaker 6>want to get right to Bob says, and I want

1356
01:11:09.119 --> 01:11:11.800
<v Speaker 6>to talk to two people. First, Jeremy at Compass Insurance.

1357
01:11:13.920 --> 01:11:15.319
<v Speaker 6>Bob says he's.

1358
01:11:15.199 --> 01:11:16.520
<v Speaker 7>Insured by State Farm.

1359
01:11:16.640 --> 01:11:19.239
<v Speaker 6>He had a two thousand and five GMC diesel truck

1360
01:11:19.279 --> 01:11:22.960
<v Speaker 6>one hundred and thirty nine thousand miles stolen. State Farm

1361
01:11:23.000 --> 01:11:27.520
<v Speaker 6>wants to settle for nineteen grand. He says, I don't

1362
01:11:27.520 --> 01:11:29.039
<v Speaker 6>know if that's fair. I don't think it is. I

1363
01:11:29.159 --> 01:11:31.560
<v Speaker 6>can't find anywhere anything like it.

1364
01:11:32.680 --> 01:11:35.239
<v Speaker 7>Jeremy, Compass, excuse me, Jeremy.

1365
01:11:35.439 --> 01:11:40.279
<v Speaker 6>State Farm told him that it's not supposed to be

1366
01:11:40.359 --> 01:11:46.239
<v Speaker 6>a replacement value, it's actual cash value. And I said, well, technically,

1367
01:11:46.319 --> 01:11:48.399
<v Speaker 6>it's supposed to be what it's worth at the time

1368
01:11:48.760 --> 01:11:50.119
<v Speaker 6>of the incident.

1369
01:11:50.319 --> 01:11:53.079
<v Speaker 7>Is that true, Jeremy, Yeah, And.

1370
01:11:53.199 --> 01:11:56.399
<v Speaker 22>To just define those terms actual cash value is going

1371
01:11:56.439 --> 01:11:58.720
<v Speaker 22>to mean what it's worth at the time of the loss.

1372
01:11:58.920 --> 01:12:01.760
<v Speaker 22>Replacement would be to buy a new one.

1373
01:12:02.119 --> 01:12:03.199
<v Speaker 7>You don't I understand that.

1374
01:12:03.399 --> 01:12:08.079
<v Speaker 6>So if in fact it's worth what it is at

1375
01:12:08.159 --> 01:12:11.399
<v Speaker 6>the time of the loss, it is kind of replacement

1376
01:12:11.560 --> 01:12:13.000
<v Speaker 6>for that particular.

1377
01:12:12.640 --> 01:12:14.960
<v Speaker 7>Vehicle, you should be able to find one exactly.

1378
01:12:15.159 --> 01:12:15.319
<v Speaker 13>Yeah.

1379
01:12:15.399 --> 01:12:15.800
<v Speaker 4>Yeah, yeah.

1380
01:12:16.439 --> 01:12:19.600
<v Speaker 6>So if they offered them a price that he thinks

1381
01:12:19.720 --> 01:12:24.079
<v Speaker 6>is unfair, now I know there are we have justin

1382
01:12:24.199 --> 01:12:28.920
<v Speaker 6>on from Petty details justin petty and he does appraisals

1383
01:12:29.000 --> 01:12:33.600
<v Speaker 6>and stuff and estimates and loss of value and excuse me, yeah,

1384
01:12:33.760 --> 01:12:37.920
<v Speaker 6>diminish value and all that. But Jeremy, when it comes

1385
01:12:38.039 --> 01:12:44.159
<v Speaker 6>to policies, do they make an offer usually that's lower

1386
01:12:44.319 --> 01:12:45.199
<v Speaker 6>than what is Where?

1387
01:12:45.319 --> 01:12:46.800
<v Speaker 7>Is that a common practice?

1388
01:12:47.800 --> 01:12:50.720
<v Speaker 22>Honestly with my companies. If I deal with two of

1389
01:12:50.800 --> 01:12:52.640
<v Speaker 22>these a year, that's a bad year.

1390
01:12:52.840 --> 01:12:53.319
<v Speaker 13>I don't.

1391
01:12:53.399 --> 01:12:53.600
<v Speaker 7>I know.

1392
01:12:53.800 --> 01:12:56.119
<v Speaker 22>People think it's probably a lot more common. And I

1393
01:12:56.199 --> 01:12:58.279
<v Speaker 22>can only speak for the ones, you know, companies we

1394
01:12:58.439 --> 01:13:01.680
<v Speaker 22>work with, but I run into this a lot. I mean,

1395
01:13:01.760 --> 01:13:03.960
<v Speaker 22>it can happen from time to time, and what we

1396
01:13:04.199 --> 01:13:06.279
<v Speaker 22>typically want to do the first thing is and I

1397
01:13:06.359 --> 01:13:10.079
<v Speaker 22>know what happened with Mark once is asked for the

1398
01:13:10.239 --> 01:13:14.960
<v Speaker 22>comps that they're pulling to get you evaluated.

1399
01:13:14.880 --> 01:13:16.439
<v Speaker 7>And I want to ask you something else.

1400
01:13:16.520 --> 01:13:19.279
<v Speaker 6>We always get this argument too, People say, well, I

1401
01:13:19.359 --> 01:13:23.119
<v Speaker 6>did a lot of customizations. At what point is it

1402
01:13:23.239 --> 01:13:27.840
<v Speaker 6>your responsibility to add to your value?

1403
01:13:29.279 --> 01:13:30.159
<v Speaker 7>If that makes sense.

1404
01:13:30.239 --> 01:13:32.560
<v Speaker 6>If you're insuring app let's just say you're insuring A

1405
01:13:32.640 --> 01:13:35.439
<v Speaker 6>sixty four and you have a lot of crap on there,

1406
01:13:36.039 --> 01:13:39.479
<v Speaker 6>is it your responsibility to do a stated value of more?

1407
01:13:40.600 --> 01:13:40.880
<v Speaker 11>It is?

1408
01:13:41.079 --> 01:13:44.159
<v Speaker 22>Yeah, I mean any kind of classic car, you're always

1409
01:13:44.279 --> 01:13:45.800
<v Speaker 22>better off getting a policy.

1410
01:13:45.920 --> 01:13:48.600
<v Speaker 7>Well, this is a five, so this wouldn't be classic,

1411
01:13:48.680 --> 01:13:49.479
<v Speaker 7>would it. Okay?

1412
01:13:49.560 --> 01:13:54.199
<v Speaker 22>So yeah, on a regular car, anything that you've customized,

1413
01:13:54.319 --> 01:13:57.159
<v Speaker 22>you need to add coverage for that because the policy

1414
01:13:57.600 --> 01:14:00.560
<v Speaker 22>isn't really designed to pay enough. It's something made. They'll

1415
01:14:00.600 --> 01:14:03.800
<v Speaker 22>probably throw it in by any kind of you know,

1416
01:14:04.079 --> 01:14:06.279
<v Speaker 22>you get a lift or you had just whatever piece.

1417
01:14:06.359 --> 01:14:08.880
<v Speaker 7>Hey, Bob, what kind of stuff was custom on this?

1418
01:14:11.720 --> 01:14:13.600
<v Speaker 15>Most of it was there when I bought it.

1419
01:14:13.760 --> 01:14:16.159
<v Speaker 7>It was a power Yeah, it doesn't matter if it

1420
01:14:16.239 --> 01:14:18.399
<v Speaker 7>was there when you bought it. But what was not stock.

1421
01:14:19.640 --> 01:14:22.720
<v Speaker 4>What was not stock was the powership chip which boosts

1422
01:14:22.760 --> 01:14:23.680
<v Speaker 4>the power temporary.

1423
01:14:24.039 --> 01:14:25.119
<v Speaker 7>How much is that worth?

1424
01:14:25.920 --> 01:14:26.119
<v Speaker 13>Well?

1425
01:14:26.239 --> 01:14:27.199
<v Speaker 16>To do it today?

1426
01:14:27.239 --> 01:14:29.479
<v Speaker 4>And I got an estimate for an five, Sarah, to

1427
01:14:29.600 --> 01:14:32.079
<v Speaker 4>do it to a like truck today.

1428
01:14:34.000 --> 01:14:37.079
<v Speaker 15>Was fifty.

1429
01:14:37.640 --> 01:14:42.800
<v Speaker 7>Actually, well that would have required additional insurance, I think, Bob.

1430
01:14:43.119 --> 01:14:45.479
<v Speaker 6>But yeah, I'm going to ask. I'm going to ask

1431
01:14:45.520 --> 01:14:48.079
<v Speaker 6>for petty details. I'm not gonna because he's thought a

1432
01:14:48.159 --> 01:14:51.119
<v Speaker 6>lot of these. So Jeremy, thank you very much. That's

1433
01:14:51.720 --> 01:14:54.319
<v Speaker 6>Compass insurance. By the way, home of the insurance check up.

1434
01:14:54.960 --> 01:14:57.640
<v Speaker 6>Make sure you're not paying too much and again insurance

1435
01:14:57.720 --> 01:15:00.199
<v Speaker 6>is getting outrageous. They can't always beat the price, but

1436
01:15:00.239 --> 01:15:02.520
<v Speaker 6>they'll give you an idea if you have a good

1437
01:15:02.560 --> 01:15:02.960
<v Speaker 6>deal or not.

1438
01:15:03.039 --> 01:15:06.319
<v Speaker 7>Three h three nine nine six nine thousand. Let's go

1439
01:15:06.520 --> 01:15:10.000
<v Speaker 7>to Peddy details justin.

1440
01:15:11.079 --> 01:15:11.840
<v Speaker 20>Are you there here?

1441
01:15:11.960 --> 01:15:12.960
<v Speaker 13>Yep? Justin.

1442
01:15:13.079 --> 01:15:15.399
<v Speaker 6>What you guys do is a great service for people.

1443
01:15:15.560 --> 01:15:17.399
<v Speaker 6>You let them know if they're getting screwed by their

1444
01:15:17.439 --> 01:15:23.039
<v Speaker 6>insurance or by other people's insurance. So what I know

1445
01:15:23.119 --> 01:15:25.079
<v Speaker 6>you probably hear this, But what do you think about

1446
01:15:25.640 --> 01:15:28.640
<v Speaker 6>a two thousand and five And I'm not asking for

1447
01:15:28.720 --> 01:15:31.119
<v Speaker 6>an immediate value, but the principle two thousand and five

1448
01:15:31.199 --> 01:15:34.439
<v Speaker 6>GMC diesel truck one hundred and thirty nine thousand miles.

1449
01:15:35.159 --> 01:15:37.399
<v Speaker 6>It was stolen. They want to settle for nineteen. He

1450
01:15:37.520 --> 01:15:40.840
<v Speaker 6>wants another five or six because of that chip. Now

1451
01:15:41.520 --> 01:15:46.760
<v Speaker 6>have you been able to get these prices up a

1452
01:15:46.840 --> 01:15:50.239
<v Speaker 6>bit because of customizations without extra insurance?

1453
01:15:52.079 --> 01:15:57.479
<v Speaker 9>Well, your typical auto policy will have a definition of

1454
01:15:57.600 --> 01:16:02.039
<v Speaker 9>what constitutes this, you know, custom equipment, and they'll typically

1455
01:16:02.119 --> 01:16:05.000
<v Speaker 9>have a thousand dollars limit, so you should have one

1456
01:16:05.039 --> 01:16:08.680
<v Speaker 9>thousand dollars any way you look at it, or any

1457
01:16:09.079 --> 01:16:12.840
<v Speaker 9>any component that is defined by the policy that would

1458
01:16:12.880 --> 01:16:18.279
<v Speaker 9>be custom equipment, so things that are not produced for

1459
01:16:18.439 --> 01:16:21.600
<v Speaker 9>the vehicle by the manufacturers, such as that chip, So

1460
01:16:21.800 --> 01:16:25.399
<v Speaker 9>that would be a custom equipment subject to a limit

1461
01:16:25.680 --> 01:16:26.880
<v Speaker 9>on the policy typically.

1462
01:16:27.560 --> 01:16:30.560
<v Speaker 7>Now, Bob, what else in addition to the chip?

1463
01:16:31.720 --> 01:16:33.960
<v Speaker 4>Yeah, I put a topper on there and painted the

1464
01:16:34.000 --> 01:16:37.359
<v Speaker 4>massive truck cost me twenty two hundred seven years ago.

1465
01:16:38.319 --> 01:16:40.760
<v Speaker 4>I called in today, they want thirty seven hundred to

1466
01:16:40.800 --> 01:16:40.960
<v Speaker 4>do it.

1467
01:16:41.119 --> 01:16:44.159
<v Speaker 7>Now what do they do? Do they justin?

1468
01:16:44.239 --> 01:16:47.560
<v Speaker 6>Would that be a thousand for all customization or a

1469
01:16:47.680 --> 01:16:49.239
<v Speaker 6>thousand per customization?

1470
01:16:50.920 --> 01:16:55.319
<v Speaker 9>It's a thousand for everything, but bedcaps and campers are

1471
01:16:55.439 --> 01:16:57.359
<v Speaker 9>excluded from that definition typically.

1472
01:16:58.039 --> 01:17:02.359
<v Speaker 6>So if they're excluded, are they cover? Yes, they're covered,

1473
01:17:03.600 --> 01:17:06.439
<v Speaker 6>so they're not if they're not figuring that in there?

1474
01:17:06.560 --> 01:17:09.039
<v Speaker 6>Can he say I need this or can they say, well,

1475
01:17:09.119 --> 01:17:10.079
<v Speaker 6>we never ensured that.

1476
01:17:11.640 --> 01:17:16.239
<v Speaker 9>No, that the camper or or tono cover either or

1477
01:17:17.039 --> 01:17:21.239
<v Speaker 9>considered a cap at cap and that's covered.

1478
01:17:21.119 --> 01:17:23.039
<v Speaker 6>So it's not part of it, even if it wasn't

1479
01:17:23.079 --> 01:17:25.319
<v Speaker 6>there when he first got the insurance and he added

1480
01:17:25.359 --> 01:17:26.119
<v Speaker 6>it years later.

1481
01:17:27.439 --> 01:17:30.159
<v Speaker 7>Yep, okay, So.

1482
01:17:32.359 --> 01:17:36.239
<v Speaker 6>Tell us how you work at petty details. We really

1483
01:17:36.319 --> 01:17:39.640
<v Speaker 6>want to know, and don't you have the other website?

1484
01:17:40.079 --> 01:17:43.399
<v Speaker 6>Isn't it called diminished what's the website against.

1485
01:17:43.079 --> 01:17:47.079
<v Speaker 9>Sir, sure, Yes, diminished Value expert dot com.

1486
01:17:48.119 --> 01:17:52.880
<v Speaker 6>Diminished Value expert dot com. He's also on referral liss

1487
01:17:52.880 --> 01:17:55.479
<v Speaker 6>dot com. Tell us how you work? Is there any

1488
01:17:55.560 --> 01:17:57.600
<v Speaker 6>part of your service that is complementary?

1489
01:17:59.159 --> 01:18:01.520
<v Speaker 9>Well, yeah, I mean every time we take the case

1490
01:18:01.600 --> 01:18:04.640
<v Speaker 9>on the review of it is of course complimentary. We

1491
01:18:04.760 --> 01:18:07.319
<v Speaker 9>look at everything and see do we think that there's

1492
01:18:07.359 --> 01:18:10.600
<v Speaker 9>any value there that's being missed that we can help with.

1493
01:18:10.840 --> 01:18:13.720
<v Speaker 9>So the you know, the screening, So do you give.

1494
01:18:13.640 --> 01:18:15.560
<v Speaker 7>Him a first blush idea of what it's worth?

1495
01:18:17.159 --> 01:18:18.159
<v Speaker 4>Yeah, I mean I was.

1496
01:18:18.319 --> 01:18:20.840
<v Speaker 9>I had questions. Is it a twenty five hundred extended

1497
01:18:20.920 --> 01:18:23.960
<v Speaker 9>cab crew cab? You know some details, but I could

1498
01:18:24.000 --> 01:18:27.680
<v Speaker 9>definitely tell him what the value should be really close

1499
01:18:27.800 --> 01:18:29.960
<v Speaker 9>and what he could potentially.

1500
01:18:29.600 --> 01:18:33.000
<v Speaker 6>Get, So Bob for that they have a complimentary service.

1501
01:18:33.039 --> 01:18:35.159
<v Speaker 6>But then if you want to hire him, what is

1502
01:18:35.239 --> 01:18:37.600
<v Speaker 6>the best and worst case scenario if they hire you?

1503
01:18:39.560 --> 01:18:43.039
<v Speaker 9>So best case scenario would be that we are able

1504
01:18:43.119 --> 01:18:47.079
<v Speaker 9>to agree on a value that's you know, way better

1505
01:18:47.159 --> 01:18:49.800
<v Speaker 9>than what's being offered. Yeah, because of.

1506
01:18:50.079 --> 01:18:52.560
<v Speaker 7>And what would that cost if you got involved directly?

1507
01:18:52.640 --> 01:18:53.439
<v Speaker 7>What would that cost?

1508
01:18:54.359 --> 01:18:57.600
<v Speaker 9>So it's it's five hundred and fifty dollars typically.

1509
01:18:58.600 --> 01:19:03.720
<v Speaker 7>Okay, Now here's what I want to know on this truck.

1510
01:19:03.840 --> 01:19:06.479
<v Speaker 7>Can you answer some of his questions? What size is it?

1511
01:19:06.800 --> 01:19:12.560
<v Speaker 7>Is it twenty five hundred yes, COOKAB twenty.

1512
01:19:12.359 --> 01:19:19.960
<v Speaker 9>Five compact share okay? And so this has got the

1513
01:19:20.680 --> 01:19:22.359
<v Speaker 9>which whitch engine in it?

1514
01:19:24.039 --> 01:19:28.119
<v Speaker 4>Sixty six diesel six point six diesel durromatt.

1515
01:19:27.720 --> 01:19:35.640
<v Speaker 9>Let's see durromats is they never get they never get

1516
01:19:35.680 --> 01:19:37.760
<v Speaker 9>diesel trucks, right, Just so you know, this is a

1517
01:19:37.880 --> 01:19:42.520
<v Speaker 9>common a common type of vehicle that we get. Okay,

1518
01:19:42.640 --> 01:19:43.079
<v Speaker 9>see here.

1519
01:19:43.840 --> 01:19:45.000
<v Speaker 13>Wow, so that's the test.

1520
01:19:45.039 --> 01:19:46.560
<v Speaker 7>However, I love just checking with him.

1521
01:19:47.439 --> 01:19:51.600
<v Speaker 9>Yeah he said it had one hundred and thirty two

1522
01:19:51.800 --> 01:19:52.399
<v Speaker 9>or something like that.

1523
01:19:53.600 --> 01:19:54.520
<v Speaker 7>One nine.

1524
01:19:55.520 --> 01:19:59.840
<v Speaker 9>Yeah, quite low knowledge for.

1525
01:19:59.880 --> 01:20:01.680
<v Speaker 15>The that it is here.

1526
01:20:02.000 --> 01:20:04.079
<v Speaker 4>It's one reason I bought it seven years ago because

1527
01:20:04.079 --> 01:20:04.960
<v Speaker 4>it was a low miles TN.

1528
01:20:07.760 --> 01:20:13.760
<v Speaker 9>So let's see it's an automatic, yes, sir, it's got

1529
01:20:14.199 --> 01:20:20.520
<v Speaker 9>they have a lift kit. No, nope, that has.

1530
01:20:20.520 --> 01:20:24.800
<v Speaker 4>Air socks in the back. Okay, that's another add on though.

1531
01:20:25.439 --> 01:20:29.479
<v Speaker 9>Yeah, all right, yeah, gosh, I'll see.

1532
01:20:31.520 --> 01:20:32.399
<v Speaker 7>This is interesting.

1533
01:20:33.239 --> 01:20:33.880
<v Speaker 13>I'd like to know.

1534
01:20:34.239 --> 01:20:41.560
<v Speaker 7>Let's see, and they're offering nineteen plus tax.

1535
01:20:46.239 --> 01:20:50.000
<v Speaker 9>Let's see here. Yeah, see, it's gonna be real hard

1536
01:20:50.079 --> 01:20:54.600
<v Speaker 9>to find a comparable vehicle. And I would I would

1537
01:20:54.720 --> 01:20:58.840
<v Speaker 9>think that that's probably a little low on that vehicle.

1538
01:20:58.920 --> 01:20:59.239
<v Speaker 13>I would.

1539
01:20:59.319 --> 01:21:01.600
<v Speaker 9>I would think that you would see them at twenty

1540
01:21:01.720 --> 01:21:07.600
<v Speaker 9>five somewhere he was buying. He was thinking, it's probably

1541
01:21:08.079 --> 01:21:11.800
<v Speaker 9>it's you know, nineteen is not terrible. I would expect

1542
01:21:11.840 --> 01:21:14.880
<v Speaker 9>the carrier, most carriers off or twelve or thirteen on

1543
01:21:15.000 --> 01:21:18.079
<v Speaker 9>a truck like that, But they just don't get them right.

1544
01:21:18.199 --> 01:21:20.760
<v Speaker 9>The sources that they use and the companies that they

1545
01:21:20.920 --> 01:21:23.359
<v Speaker 9>use to do though, can't hold you're out of diesel.

1546
01:21:23.079 --> 01:21:25.319
<v Speaker 6>S Does he go back to them and say nineteen

1547
01:21:25.479 --> 01:21:27.840
<v Speaker 6>is low and then see what they do first?

1548
01:21:30.079 --> 01:21:34.439
<v Speaker 9>I mean definitely if they're most of these carriers, adjusters

1549
01:21:34.600 --> 01:21:37.680
<v Speaker 9>don't have the authority to negotiate outside of the report

1550
01:21:37.760 --> 01:21:40.600
<v Speaker 9>that they're required to use. So it's real hard to

1551
01:21:40.760 --> 01:21:43.680
<v Speaker 9>make any headway negotiating with them. But it's worth a shot.

1552
01:21:44.119 --> 01:21:46.159
<v Speaker 9>If you're a great negotiator, you might be able to

1553
01:21:46.199 --> 01:21:48.560
<v Speaker 9>get them to come up enough to where it's not

1554
01:21:48.760 --> 01:21:51.880
<v Speaker 9>worth you know, hiring an independent appraiser.

1555
01:21:52.000 --> 01:21:54.960
<v Speaker 7>Yeah, yeah, so why don't you try that first, Bob?

1556
01:21:55.119 --> 01:21:56.680
<v Speaker 7>And then and thank you?

1557
01:21:56.920 --> 01:21:58.439
<v Speaker 13>Just told me to go to the CNT team.

1558
01:21:58.479 --> 01:21:59.880
<v Speaker 4>I'm sorry to interrupt. They told me to go to

1559
01:22:00.039 --> 01:22:03.520
<v Speaker 4>the CMP team and upload comps. And as your Amanda said,

1560
01:22:03.800 --> 01:22:05.079
<v Speaker 4>comps are really hard to find.

1561
01:22:05.119 --> 01:22:06.359
<v Speaker 13>That it's like the truck.

1562
01:22:07.199 --> 01:22:09.119
<v Speaker 4>So what I was trying to approach, I was trying

1563
01:22:09.159 --> 01:22:12.520
<v Speaker 4>to do is find comps for a stock truck, which

1564
01:22:12.520 --> 01:22:18.000
<v Speaker 4>you're average twenty five to twenty six money termines.

1565
01:22:17.720 --> 01:22:21.039
<v Speaker 15>A big part of the price, and this is low Miley's.

1566
01:22:22.359 --> 01:22:25.600
<v Speaker 4>And then say, well, these add ons are worth something.

1567
01:22:26.199 --> 01:22:28.279
<v Speaker 6>Yeah, yeah, but hold on, but you're not going to

1568
01:22:28.359 --> 01:22:30.520
<v Speaker 6>get add ons that you never reported to them.

1569
01:22:30.560 --> 01:22:32.479
<v Speaker 7>And in short, bro, you're just not going to have

1570
01:22:32.600 --> 01:22:36.399
<v Speaker 7>it both ways. Now, you can get some add on value.

1571
01:22:36.680 --> 01:22:39.079
<v Speaker 6>But if here's what I want to know, if you

1572
01:22:39.199 --> 01:22:41.960
<v Speaker 6>can show just the regular base damn truck is twenty

1573
01:22:42.039 --> 01:22:43.600
<v Speaker 6>five grand, don't go any further.

1574
01:22:43.720 --> 01:22:46.560
<v Speaker 7>That's all you want it anyway, Okay, all right?

1575
01:22:46.600 --> 01:22:48.880
<v Speaker 6>I mean, I mean, if all you wants twenty five

1576
01:22:49.000 --> 01:22:52.840
<v Speaker 6>grand or twenty six and and there's no reason to

1577
01:22:52.960 --> 01:22:54.399
<v Speaker 6>go beyond the normal truck.

1578
01:22:54.479 --> 01:22:57.840
<v Speaker 7>If that's what you're telling me, you're finding, you're finding

1579
01:22:57.920 --> 01:23:01.399
<v Speaker 7>they're worth You can't find any truck like that, So

1580
01:23:01.920 --> 01:23:05.600
<v Speaker 7>just do that right now, and then we'll get and again.

1581
01:23:05.680 --> 01:23:06.920
<v Speaker 6>Let me tell you how to get in touch with

1582
01:23:07.199 --> 01:23:11.319
<v Speaker 6>Justin Petty or Diminished Valueexpert dot com when he's not here.

1583
01:23:11.399 --> 01:23:16.279
<v Speaker 6>It's two one four two one four two two seven.

1584
01:23:17.560 --> 01:23:21.680
<v Speaker 7>Two one five four one five four. Guys, I'm Tom Martinez.

1585
01:23:21.680 --> 01:23:22.760
<v Speaker 7>We got more coming right up.

1586
01:23:28.000 --> 01:23:31.279
<v Speaker 6>Go with a sure thing Denver's Best roofer Excel Roofing

1587
01:23:31.359 --> 01:23:34.000
<v Speaker 6>dot com. You don't pay a cent until you're content.

1588
01:23:37.399 --> 01:23:40.520
<v Speaker 6>Time for an insurance check up free, no obligation comparison

1589
01:23:40.720 --> 01:23:44.239
<v Speaker 6>call Compass Insurance paying too much your coverage at dozens

1590
01:23:44.279 --> 01:23:47.000
<v Speaker 6>of insurance companies find out now three all three seven

1591
01:23:47.000 --> 01:23:47.560
<v Speaker 6>to seven to one.

1592
01:23:47.720 --> 01:23:47.920
<v Speaker 7>Help.

1593
01:23:48.119 --> 01:23:50.760
<v Speaker 6>You'll think you're his only customer when you choose Frank

1594
01:23:50.840 --> 01:23:53.239
<v Speaker 6>durand the real estate Man dot com to list your

1595
01:23:53.319 --> 01:23:56.439
<v Speaker 6>home with Remax Alliance three oh three nine two zero

1596
01:23:56.560 --> 01:24:10.239
<v Speaker 6>sixteen twenty two. Hi, Tom Martino, your troubleshooter three old

1597
01:24:10.279 --> 01:24:13.880
<v Speaker 6>three seven one three talk three O three seven one

1598
01:24:13.960 --> 01:24:18.000
<v Speaker 6>three eight two five five. Let's talk to Mike about

1599
01:24:18.039 --> 01:24:20.039
<v Speaker 6>the table refund. Go ahead, Mike, what's going on?

1600
01:24:23.039 --> 01:24:23.279
<v Speaker 7>Mike?

1601
01:24:24.840 --> 01:24:25.039
<v Speaker 15>Yeah?

1602
01:24:25.760 --> 01:24:29.800
<v Speaker 13>I might have been scammedal my either dollar taber reef

1603
01:24:31.000 --> 01:24:39.079
<v Speaker 13>by this online internet place. How well, it's called texlayer

1604
01:24:39.279 --> 01:24:42.279
<v Speaker 13>dot com and they claim to be an affiliate the

1605
01:24:43.319 --> 01:24:47.960
<v Speaker 13>United Way and they'll follow your uh, your.

1606
01:24:49.560 --> 01:24:52.479
<v Speaker 7>Application or by the way, did you three funds go

1607
01:24:52.560 --> 01:24:53.199
<v Speaker 7>out already?

1608
01:24:54.840 --> 01:24:57.039
<v Speaker 13>I don't know, but I heard a commercial say you

1609
01:24:57.119 --> 01:25:00.880
<v Speaker 13>got like a until October first or something otherwise you're

1610
01:25:00.880 --> 01:25:03.960
<v Speaker 13>gonna wait till like next year. But I haven't received anything.

1611
01:25:04.560 --> 01:25:07.279
<v Speaker 13>And I went to the website and I.

1612
01:25:07.319 --> 01:25:10.239
<v Speaker 6>Haven't received anything either. Buddy, did you receive your taber?

1613
01:25:10.760 --> 01:25:12.920
<v Speaker 6>I didn't receive No, I don't. I don't know anything

1614
01:25:12.920 --> 01:25:14.399
<v Speaker 6>about it. So anyway, keep going.

1615
01:25:14.520 --> 01:25:16.520
<v Speaker 7>So you went to what website.

1616
01:25:18.520 --> 01:25:22.840
<v Speaker 13>It's called text player dot com. They claim to be

1617
01:25:23.720 --> 01:25:29.880
<v Speaker 13>last shoot of the United Way the words of free And.

1618
01:25:29.960 --> 01:25:31.520
<v Speaker 6>Do you think did you have to put in all

1619
01:25:31.560 --> 01:25:34.840
<v Speaker 6>your information about yourself and you think they got your tabor?

1620
01:25:36.640 --> 01:25:40.000
<v Speaker 13>That's one I'm wondering that I have not received any information.

1621
01:25:40.239 --> 01:25:43.199
<v Speaker 6>But maybe yeah, but you got to explain to me

1622
01:25:43.399 --> 01:25:46.960
<v Speaker 6>this website you went to. What is the website? And

1623
01:25:47.119 --> 01:25:48.960
<v Speaker 6>what do they purport to do?

1624
01:25:50.920 --> 01:25:51.079
<v Speaker 7>Well?

1625
01:25:51.159 --> 01:25:55.359
<v Speaker 13>They claim to file your taxes for you electronically.

1626
01:25:55.560 --> 01:25:56.960
<v Speaker 27>I think it's like a TurboTax.

1627
01:25:57.479 --> 01:26:00.359
<v Speaker 7>Okay, thank you, dragging it's like a turbot tax.

1628
01:26:01.359 --> 01:26:06.479
<v Speaker 13>Yeah, I guess I didn't received anything, but I don't know.

1629
01:26:07.479 --> 01:26:11.840
<v Speaker 7>Okay, did you go to the tax website after you

1630
01:26:11.960 --> 01:26:14.880
<v Speaker 7>did not receive your taber? Or did you do it

1631
01:26:14.960 --> 01:26:17.239
<v Speaker 7>from the beginning to do your taxes?

1632
01:26:20.840 --> 01:26:23.279
<v Speaker 13>I have not gotten back there since then.

1633
01:26:23.439 --> 01:26:27.159
<v Speaker 7>But here's what I'm asking. What brought you to that website?

1634
01:26:28.279 --> 01:26:29.159
<v Speaker 13>It was an email?

1635
01:26:30.000 --> 01:26:31.760
<v Speaker 7>Okay, so that's why you went.

1636
01:26:31.920 --> 01:26:34.960
<v Speaker 6>You went there to do your taxes, and you believe

1637
01:26:35.079 --> 01:26:36.800
<v Speaker 6>they received your refund.

1638
01:26:38.199 --> 01:26:41.079
<v Speaker 13>No, That's what I'm wondering. But if you ever received

1639
01:26:41.119 --> 01:26:44.880
<v Speaker 13>it and no one else has, what is taking song Dragon?

1640
01:26:45.000 --> 01:26:47.119
<v Speaker 7>Did you get yours? I don't know of anybody who

1641
01:26:47.199 --> 01:26:47.880
<v Speaker 7>got there, So.

1642
01:26:47.960 --> 01:26:50.079
<v Speaker 27>I think it's a little too soon at that point,

1643
01:26:50.159 --> 01:26:52.680
<v Speaker 27>isn't it? Because I think was it this time roughly

1644
01:26:52.760 --> 01:26:55.279
<v Speaker 27>last year? Pullus was getting it to us all soon

1645
01:26:55.399 --> 01:26:57.520
<v Speaker 27>before the election because he wanted to make sure he

1646
01:26:57.600 --> 01:26:58.560
<v Speaker 27>got reelected.

1647
01:26:58.800 --> 01:27:01.159
<v Speaker 6>Well, he wanted to take credit for it, which was

1648
01:27:01.239 --> 01:27:03.800
<v Speaker 6>in place long before him. I know, I know he

1649
01:27:03.920 --> 01:27:05.479
<v Speaker 6>made it sound like he was the one doing it.

1650
01:27:06.359 --> 01:27:08.479
<v Speaker 6>Here's what I need to ask a couple questions here.

1651
01:27:08.920 --> 01:27:10.359
<v Speaker 6>I need the actual website.

1652
01:27:13.079 --> 01:27:18.640
<v Speaker 13>I their their phone number is? Now?

1653
01:27:18.680 --> 01:27:21.079
<v Speaker 7>How about their website. You got their website.

1654
01:27:23.279 --> 01:27:27.520
<v Speaker 13>Support at my Free Taxes dot Com phone number eighty

1655
01:27:27.600 --> 01:27:29.760
<v Speaker 13>six six six.

1656
01:27:31.560 --> 01:27:31.760
<v Speaker 7>Five.

1657
01:27:31.920 --> 01:27:34.079
<v Speaker 13>I haven't tried any of this yet.

1658
01:27:34.800 --> 01:27:37.119
<v Speaker 7>Real quick six, real quick question.

1659
01:27:37.159 --> 01:27:42.399
<v Speaker 27>No, you used tax Slayer as your tax software though, correct. Yeah,

1660
01:27:42.800 --> 01:27:44.880
<v Speaker 27>so this isn't just some random email that you got

1661
01:27:45.039 --> 01:27:47.479
<v Speaker 27>from a company saying, hey, you missed your table refund,

1662
01:27:47.600 --> 01:27:48.399
<v Speaker 27>use us to get it.

1663
01:27:48.520 --> 01:27:52.640
<v Speaker 7>No. No, he said it was tax Slayer, correct, which

1664
01:27:52.720 --> 01:27:54.560
<v Speaker 7>which he has used in the past.

1665
01:27:55.680 --> 01:27:56.359
<v Speaker 13>No, I haven't.

1666
01:27:56.560 --> 01:27:58.239
<v Speaker 27>You've never used tax Slayer.

1667
01:27:59.520 --> 01:28:02.880
<v Speaker 7>No, they claimed to be from Did you ever check

1668
01:28:02.960 --> 01:28:04.880
<v Speaker 7>with the I R S to make sure it was filed?

1669
01:28:06.319 --> 01:28:06.359
<v Speaker 19>No?

1670
01:28:07.199 --> 01:28:10.600
<v Speaker 13>Because it's it's so circu this.

1671
01:28:11.199 --> 01:28:12.840
<v Speaker 6>Well, that's the first thing you need to do, right.

1672
01:28:12.960 --> 01:28:14.960
<v Speaker 6>The first thing you need to do is you can

1673
01:28:15.039 --> 01:28:17.640
<v Speaker 6>see if your file, if your taxes have been filed.

1674
01:28:17.920 --> 01:28:18.720
<v Speaker 6>That's the first thing.

1675
01:28:20.000 --> 01:28:20.199
<v Speaker 9>Yeah.

1676
01:28:20.319 --> 01:28:23.079
<v Speaker 13>Mark Major is really great on this. He helped last time,

1677
01:28:23.680 --> 01:28:29.479
<v Speaker 13>helped what get get get a refund from uh uh

1678
01:28:29.640 --> 01:28:32.600
<v Speaker 13>the Coro Department of Revenue.

1679
01:28:33.239 --> 01:28:33.439
<v Speaker 2>Yeah.

1680
01:28:33.560 --> 01:28:35.279
<v Speaker 13>Mark, Mark's really been great on this.

1681
01:28:35.800 --> 01:28:38.479
<v Speaker 7>Good. But here's what we need to do first.

1682
01:28:38.600 --> 01:28:42.800
<v Speaker 6>Okay, I need so when Mark helped you before, did

1683
01:28:42.880 --> 01:28:45.600
<v Speaker 6>you had you done your taxes to the same service.

1684
01:28:47.000 --> 01:28:49.960
<v Speaker 13>No, I didn't. And then it was a website specifically

1685
01:28:50.439 --> 01:28:55.239
<v Speaker 13>on C dot rev or whatever it is, and it's

1686
01:28:55.319 --> 01:29:00.039
<v Speaker 13>not there now, and they just I don't know what's okay.

1687
01:29:00.239 --> 01:29:03.239
<v Speaker 6>When your first of all, Mike, you have to help us.

1688
01:29:03.560 --> 01:29:06.920
<v Speaker 6>You're making zero sense to us. So let me get

1689
01:29:07.000 --> 01:29:10.159
<v Speaker 6>this straight. One time you filed your tax you didn't

1690
01:29:10.159 --> 01:29:12.359
<v Speaker 6>know who a refund was. You called and Mark help you.

1691
01:29:12.800 --> 01:29:15.640
<v Speaker 6>Now you file your tax with tax Slayer and you

1692
01:29:15.800 --> 01:29:18.520
<v Speaker 6>think maybe they took your refund or you don't know

1693
01:29:18.560 --> 01:29:19.000
<v Speaker 6>where it is.

1694
01:29:19.079 --> 01:29:20.520
<v Speaker 7>Again, you don't.

1695
01:29:20.319 --> 01:29:24.399
<v Speaker 6>Even know if if that that tax service actually filed

1696
01:29:24.439 --> 01:29:27.399
<v Speaker 6>your taxes. You did not even go so far as

1697
01:29:27.479 --> 01:29:29.279
<v Speaker 6>to see if your taxes have been filed?

1698
01:29:29.399 --> 01:29:30.039
<v Speaker 7>Is that right.

1699
01:29:31.880 --> 01:29:32.079
<v Speaker 10>True?

1700
01:29:32.319 --> 01:29:34.560
<v Speaker 13>They just sent me a confirmation email.

1701
01:29:35.000 --> 01:29:38.199
<v Speaker 7>Okay? Who sent you the confirmation email?

1702
01:29:39.359 --> 01:29:40.000
<v Speaker 13>Tex splayer?

1703
01:29:40.560 --> 01:29:45.560
<v Speaker 7>Okay, can you send us a copy of that confirmation email?

1704
01:29:48.159 --> 01:29:49.239
<v Speaker 13>It was last year or.

1705
01:29:50.960 --> 01:29:51.600
<v Speaker 7>You don't have it?

1706
01:29:52.720 --> 01:29:52.760
<v Speaker 9>No?

1707
01:29:53.199 --> 01:29:54.439
<v Speaker 13>Yeah, okay, so.

1708
01:29:54.560 --> 01:29:57.600
<v Speaker 6>You have Do you have any way of knowing, for

1709
01:29:57.760 --> 01:30:03.680
<v Speaker 6>God's sakes, if tax Slayer actually filed your taxes?

1710
01:30:05.520 --> 01:30:05.560
<v Speaker 19>No?

1711
01:30:05.800 --> 01:30:06.960
<v Speaker 13>I don't. Okay.

1712
01:30:07.479 --> 01:30:09.960
<v Speaker 7>If you go to tax Slayer right now, can you

1713
01:30:10.159 --> 01:30:10.560
<v Speaker 7>log in?

1714
01:30:12.880 --> 01:30:13.640
<v Speaker 13>I haven't tried it?

1715
01:30:14.119 --> 01:30:17.439
<v Speaker 7>Well, you got to that. Okay, you have to you

1716
01:30:17.920 --> 01:30:19.119
<v Speaker 7>have you're the one that did it.

1717
01:30:19.399 --> 01:30:22.239
<v Speaker 6>So if I went to tax layer right now, there's

1718
01:30:22.319 --> 01:30:24.760
<v Speaker 6>a log in with a username and password.

1719
01:30:25.119 --> 01:30:27.239
<v Speaker 7>Do you have a username and password?

1720
01:30:28.760 --> 01:30:31.520
<v Speaker 13>I haven't tried it. I don't know that's true.

1721
01:30:32.279 --> 01:30:33.319
<v Speaker 7>Well, in order to.

1722
01:30:33.359 --> 01:30:36.520
<v Speaker 6>File your taxes, you had to have gone on with

1723
01:30:36.640 --> 01:30:39.560
<v Speaker 6>a username or password. So I'm asking you, did you

1724
01:30:39.800 --> 01:30:42.279
<v Speaker 6>ever have a username or password?

1725
01:30:43.760 --> 01:30:45.159
<v Speaker 13>Oh? I have to go back and check.

1726
01:30:46.159 --> 01:30:49.319
<v Speaker 7>Well, the answer is you did. Okay, Now what you do?

1727
01:30:49.920 --> 01:30:50.960
<v Speaker 7>Here's the good part.

1728
01:30:51.920 --> 01:30:55.640
<v Speaker 6>On the login page, it has a place for forgot

1729
01:30:55.800 --> 01:30:58.720
<v Speaker 6>user name or forgot password.

1730
01:30:59.760 --> 01:31:00.640
<v Speaker 7>You can do both.

1731
01:31:01.159 --> 01:31:04.199
<v Speaker 6>So all you have to do is supply your email address.

1732
01:31:04.680 --> 01:31:07.199
<v Speaker 6>Do you know the email address you would have used

1733
01:31:07.479 --> 01:31:08.279
<v Speaker 6>when you logged on?

1734
01:31:11.000 --> 01:31:13.840
<v Speaker 7>Maybe? Okay, maybe, okay, I'll tell you what.

1735
01:31:14.000 --> 01:31:19.279
<v Speaker 6>Then, when you find out any information at all about yourself,

1736
01:31:20.159 --> 01:31:26.319
<v Speaker 6>then go to TaxSlayer dot com and retrieve your username

1737
01:31:26.560 --> 01:31:31.079
<v Speaker 6>or password or both and log on to that. That

1738
01:31:31.359 --> 01:31:35.359
<v Speaker 6>place will have a record of your filing and then

1739
01:31:35.439 --> 01:31:36.159
<v Speaker 6>we can help you.

1740
01:31:36.399 --> 01:31:39.039
<v Speaker 27>And Mike just say we're very clear here. Do not

1741
01:31:39.279 --> 01:31:42.560
<v Speaker 27>click on anything you got in that email.

1742
01:31:42.960 --> 01:31:47.000
<v Speaker 7>No, go do go to tax slayer. Go directly to

1743
01:31:47.359 --> 01:31:50.399
<v Speaker 7>TaxSlayer dot com.

1744
01:31:50.720 --> 01:31:55.199
<v Speaker 13>Directly go to can I go to call a department?

1745
01:31:55.359 --> 01:31:59.399
<v Speaker 6>No, here, go to taxlayer dot com retrieve your username

1746
01:31:59.520 --> 01:32:02.560
<v Speaker 6>or pass. That's really what you need to do. I

1747
01:32:02.640 --> 01:32:04.520
<v Speaker 6>got to move on my three oh three seven one

1748
01:32:04.560 --> 01:32:06.640
<v Speaker 6>three talks seven one three eight two five five. Jeff

1749
01:32:06.680 --> 01:32:10.119
<v Speaker 6>has a question on evaluation of a Ford. Now, now, Jeff,

1750
01:32:10.159 --> 01:32:11.880
<v Speaker 6>do you have the same question as that other guy?

1751
01:32:12.359 --> 01:32:14.319
<v Speaker 7>Was your car? Was your truck stolen?

1752
01:32:15.359 --> 01:32:20.760
<v Speaker 15>Actually? No, we have a vacation home in Nebraska. Yeah,

1753
01:32:21.840 --> 01:32:25.840
<v Speaker 15>and we got hit by a tornado wo with me

1754
01:32:26.720 --> 01:32:32.279
<v Speaker 15>my neighbor's garage landing on top of my garage. And

1755
01:32:33.800 --> 01:32:38.199
<v Speaker 15>this truck was just Christine. It was a two thousand

1756
01:32:38.199 --> 01:32:43.479
<v Speaker 15>and eight Ford and ed didn't have a scratch on

1757
01:32:43.640 --> 01:32:44.359
<v Speaker 15>it anywhere.

1758
01:32:44.600 --> 01:32:45.439
<v Speaker 7>Was it registered?

1759
01:32:48.880 --> 01:32:51.079
<v Speaker 13>Oh yeah, okay yeah.

1760
01:32:52.079 --> 01:32:55.119
<v Speaker 6>And so you're going to get what a normal two

1761
01:32:55.199 --> 01:33:00.279
<v Speaker 6>thousand and eight four truck with that mileage is worth.

1762
01:33:02.439 --> 01:33:05.359
<v Speaker 15>Yeah, And that's what they tried to do. They tried

1763
01:33:05.399 --> 01:33:07.319
<v Speaker 15>to give me fourteen thousand for it.

1764
01:33:08.159 --> 01:33:10.079
<v Speaker 7>And what company was it? What company?

1765
01:33:11.239 --> 01:33:15.880
<v Speaker 20>H Shanitar or Century Century?

1766
01:33:16.079 --> 01:33:20.960
<v Speaker 7>Listen, here's the thing with an ass Yeah, that's right. Century.

1767
01:33:21.199 --> 01:33:25.119
<v Speaker 6>Now listen, you're only going to get what it's worth okay,

1768
01:33:25.319 --> 01:33:27.199
<v Speaker 6>even if it was in pristine condition.

1769
01:33:27.600 --> 01:33:30.359
<v Speaker 7>You'll get a little more for its condition. How many

1770
01:33:30.439 --> 01:33:31.079
<v Speaker 7>miles were on it?

1771
01:33:32.159 --> 01:33:37.000
<v Speaker 15>There is ninety three miles on it, ninety three thousand.

1772
01:33:37.359 --> 01:33:40.720
<v Speaker 6>Okay, listen, here's what you can do. Did you get

1773
01:33:40.800 --> 01:33:43.800
<v Speaker 6>that number for Petty Details?

1774
01:33:46.479 --> 01:33:46.520
<v Speaker 9>No?

1775
01:33:46.640 --> 01:33:47.119
<v Speaker 15>I didn't.

1776
01:33:47.359 --> 01:33:51.640
<v Speaker 6>All right, hold on and you'll get it. Kachina will

1777
01:33:51.680 --> 01:33:56.680
<v Speaker 6>get that for you. Call Petty at Petty Details and

1778
01:33:56.960 --> 01:34:00.239
<v Speaker 6>ask what the valuation is to see if your clubs.

1779
01:34:00.840 --> 01:34:03.760
<v Speaker 6>They can help you. Okay, and most of their help

1780
01:34:03.960 --> 01:34:07.159
<v Speaker 6>upfront is free of charge. We got more coming up

1781
01:34:07.199 --> 01:34:09.800
<v Speaker 6>on the Troubleshooter Show three O three seven one three

1782
01:34:09.960 --> 01:34:18.079
<v Speaker 6>eight two five five. Go with a sure thing Denver's

1783
01:34:18.159 --> 01:34:21.000
<v Speaker 6>best roofer Excel Roofing dot com. You don't pay a

1784
01:34:21.119 --> 01:34:27.560
<v Speaker 6>cent until you're content. Time for an insurance check up, free,

1785
01:34:27.680 --> 01:34:31.680
<v Speaker 6>no obligation comparison call Compass Insurance paying too much your

1786
01:34:31.760 --> 01:34:34.680
<v Speaker 6>coverage at dozens of insurance companies find out now three

1787
01:34:34.760 --> 01:34:37.239
<v Speaker 6>oh three seven seven to one help. You'll think you're

1788
01:34:37.319 --> 01:34:39.840
<v Speaker 6>his only customer when you choose Frank durand the Real

1789
01:34:39.920 --> 01:34:42.880
<v Speaker 6>estate Man dot com to list your home with Remax

1790
01:34:42.960 --> 01:34:46.159
<v Speaker 6>Alliance three oh three nine two zero sixteen twenty two.

1791
01:34:51.560 --> 01:34:54.359
<v Speaker 7>Martin here three three seven on three talk.

1792
01:34:55.199 --> 01:34:58.600
<v Speaker 6>Tom has a question on tree damage, and speaking of trees,

1793
01:34:58.600 --> 01:35:00.880
<v Speaker 6>we're gonna talk to Deputy dot who's got an update

1794
01:35:01.439 --> 01:35:03.920
<v Speaker 6>on this Mendez tree removal.

1795
01:35:04.159 --> 01:35:08.119
<v Speaker 7>But first let's talk to you, sir. What's happening? Tom? Hi?

1796
01:35:08.279 --> 01:35:09.119
<v Speaker 21>Tom? How you doing?

1797
01:35:09.479 --> 01:35:09.680
<v Speaker 4>Yeah?

1798
01:35:09.960 --> 01:35:11.960
<v Speaker 21>A couple of weeks ago, about a weeks ago, I

1799
01:35:12.279 --> 01:35:15.600
<v Speaker 21>had a gentleman decided to park his pickup truck on

1800
01:35:15.760 --> 01:35:19.760
<v Speaker 21>my property between two large trees. He actually took out

1801
01:35:19.880 --> 01:35:21.960
<v Speaker 21>one and damaged ford.

1802
01:35:22.079 --> 01:35:24.640
<v Speaker 7>And who did this? What it was it a company?

1803
01:35:26.000 --> 01:35:28.199
<v Speaker 21>No, it was a It was a young man driving

1804
01:35:28.279 --> 01:35:30.399
<v Speaker 21>his truck at seventy miles an hour and a twenty

1805
01:35:30.439 --> 01:35:31.239
<v Speaker 21>five sev alone.

1806
01:35:31.560 --> 01:35:35.520
<v Speaker 7>Okay, so did he is there a police report? Was

1807
01:35:35.560 --> 01:35:37.520
<v Speaker 7>he caught or did he leave? What happened?

1808
01:35:38.600 --> 01:35:41.359
<v Speaker 21>No, there is a police report. He just he was

1809
01:35:41.439 --> 01:35:44.199
<v Speaker 21>carried out of an ambulance. He didn't he didn't walk away.

1810
01:35:45.399 --> 01:35:48.680
<v Speaker 6>But you know, well, okay, so his insurance will have

1811
01:35:48.800 --> 01:35:50.600
<v Speaker 6>to pay for damages to your property.

1812
01:35:51.880 --> 01:35:54.520
<v Speaker 21>True, I understand that. Well, my question is I mean

1813
01:35:54.600 --> 01:35:56.840
<v Speaker 21>when I live in the very north and tip of

1814
01:35:56.920 --> 01:36:00.640
<v Speaker 21>the flat forest, these two trees that are seriously damaged,

1815
01:36:00.680 --> 01:36:02.840
<v Speaker 21>and I've already had somebody come out and look at

1816
01:36:02.920 --> 01:36:05.880
<v Speaker 21>maybe removing them, said that they're not going to survive,

1817
01:36:06.880 --> 01:36:08.479
<v Speaker 21>so we're gonna have to have them cut down. But

1818
01:36:08.600 --> 01:36:11.439
<v Speaker 21>I'm wondering if they have a value, because they do.

1819
01:36:12.159 --> 01:36:13.000
<v Speaker 7>Yeah, yeah, they do.

1820
01:36:14.920 --> 01:36:18.039
<v Speaker 6>Now I find that dal that I don't know, but

1821
01:36:18.159 --> 01:36:20.800
<v Speaker 6>I do know landscaping has a value. Now it may

1822
01:36:20.880 --> 01:36:24.840
<v Speaker 6>not be worth what we think it's worth, but again,

1823
01:36:25.000 --> 01:36:28.039
<v Speaker 6>what we could do is called compass and see what

1824
01:36:28.159 --> 01:36:32.000
<v Speaker 6>they suggest. They had to have come across this before,

1825
01:36:32.600 --> 01:36:35.880
<v Speaker 6>so hang on. Now this is the result. See and

1826
01:36:36.000 --> 01:36:38.840
<v Speaker 6>this is different. This is not your own insurance or

1827
01:36:38.880 --> 01:36:41.359
<v Speaker 6>although it could be as well, it could be either

1828
01:36:41.479 --> 01:36:46.680
<v Speaker 6>his insurance or yours. Does his insurance offer anything? Are

1829
01:36:46.720 --> 01:36:48.359
<v Speaker 6>they cleaning up or doing anything?

1830
01:36:49.880 --> 01:36:52.439
<v Speaker 21>Right now? I just got the police report today, so

1831
01:36:52.600 --> 01:36:56.119
<v Speaker 21>I haven't contacted anybody other than another tree guy to

1832
01:36:56.199 --> 01:36:56.960
<v Speaker 21>come out and take a look.

1833
01:36:57.119 --> 01:36:58.039
<v Speaker 7>Let's talk to Compass.

1834
01:36:58.159 --> 01:36:58.560
<v Speaker 13>I need to.

1835
01:36:58.760 --> 01:37:05.359
<v Speaker 7>We need to talk about home owners versus auto versus. Yeah,

1836
01:37:05.760 --> 01:37:06.760
<v Speaker 7>like who's going to pay what?

1837
01:37:07.960 --> 01:37:11.199
<v Speaker 6>So hang on and we'll get somebody on three oh

1838
01:37:11.319 --> 01:37:13.760
<v Speaker 6>three seven one three eight two five five.

1839
01:37:13.800 --> 01:37:15.960
<v Speaker 7>I'm writing down Compass Insurance.

1840
01:37:17.319 --> 01:37:21.079
<v Speaker 18>And ask if if the kid was alive because it

1841
01:37:21.199 --> 01:37:24.159
<v Speaker 18>was a fatal accident, it puts in a whole different story.

1842
01:37:25.119 --> 01:37:32.399
<v Speaker 7>Not with insurance, it doesn't. Why would it change anything. Uh,

1843
01:37:33.039 --> 01:37:34.319
<v Speaker 7>that's a good point. I thought it might.

1844
01:37:34.680 --> 01:37:37.359
<v Speaker 18>If if the person was deceased, then they have to

1845
01:37:37.439 --> 01:37:41.119
<v Speaker 18>go through his Uh it would be story right.

1846
01:37:41.359 --> 01:37:44.880
<v Speaker 7>Oh no, no, no, no, absolutely not. It's if not

1847
01:37:45.000 --> 01:37:46.000
<v Speaker 7>if he was insured.

1848
01:37:47.039 --> 01:37:50.680
<v Speaker 6>Now, if he was uninsured and you're suing him, then

1849
01:37:50.720 --> 01:37:52.319
<v Speaker 6>you would have to go to his estate.

1850
01:37:52.479 --> 01:37:55.199
<v Speaker 7>That would be true, that would be true.

1851
01:37:55.920 --> 01:37:59.640
<v Speaker 6>But if he's insured, the accident happened while he was alive,

1852
01:37:59.760 --> 01:38:01.239
<v Speaker 6>that that claim is alive.

1853
01:38:01.359 --> 01:38:05.279
<v Speaker 7>Okay, good point. Yeah. Now what about the Mendez guy?

1854
01:38:05.359 --> 01:38:08.000
<v Speaker 7>What happened? Oh well, I want to explain to people

1855
01:38:08.039 --> 01:38:12.680
<v Speaker 7>what happened. Jamie paid him forty twenty.

1856
01:38:12.399 --> 01:38:16.600
<v Speaker 6>Four hundred bucks to remove trees and trim around her

1857
01:38:16.720 --> 01:38:20.319
<v Speaker 6>house and her neighbor's house, and he did a bad

1858
01:38:20.439 --> 01:38:22.119
<v Speaker 6>job and it's incomplete.

1859
01:38:22.159 --> 01:38:24.399
<v Speaker 7>What did he say, Well, he said it was complete.

1860
01:38:24.840 --> 01:38:26.520
<v Speaker 18>And they went back and forth. I went on a

1861
01:38:26.600 --> 01:38:28.920
<v Speaker 18>three way call and they went back and forth a

1862
01:38:28.960 --> 01:38:32.279
<v Speaker 18>little bit. But he is going to send somebody out

1863
01:38:32.319 --> 01:38:38.840
<v Speaker 18>there tomorrow, and she's they're gonna take pictures and I

1864
01:38:39.079 --> 01:38:44.000
<v Speaker 18>told Jamie that before he leaves, while he's on site,

1865
01:38:44.520 --> 01:38:49.039
<v Speaker 18>call me and if if it isn't done to her satisfaction,

1866
01:38:49.640 --> 01:38:53.239
<v Speaker 18>while he's there, I'll find out exactly what it is

1867
01:38:53.479 --> 01:38:55.560
<v Speaker 18>she wants done that isn't being done.

1868
01:38:55.680 --> 01:38:58.239
<v Speaker 7>Well, he said it, So is he going out personally?

1869
01:38:58.680 --> 01:38:59.960
<v Speaker 7>I send me one of his guys out.

1870
01:39:00.000 --> 01:39:04.319
<v Speaker 6>Okay, and he's but he claimed it was done correct.

1871
01:39:05.319 --> 01:39:08.239
<v Speaker 7>So was she surprised at that? Uh? Yeah, a little bit.

1872
01:39:09.119 --> 01:39:11.880
<v Speaker 18>You know, people get defensive when you when you accuse

1873
01:39:11.960 --> 01:39:14.720
<v Speaker 18>them of things, and we didn't accuse them of doing

1874
01:39:14.760 --> 01:39:16.560
<v Speaker 18>a bad job. I said, look, there are a couple

1875
01:39:16.600 --> 01:39:19.119
<v Speaker 18>of little things that she wants taken care of. And

1876
01:39:19.239 --> 01:39:21.800
<v Speaker 18>basically I said, he'll send his guy out. And like

1877
01:39:21.880 --> 01:39:25.079
<v Speaker 18>I said, I told Jamie, call me before he leaves,

1878
01:39:25.560 --> 01:39:27.720
<v Speaker 18>and if there's anything that hasn't been done that you

1879
01:39:27.840 --> 01:39:30.399
<v Speaker 18>want done, I will talk to the guy and we'll

1880
01:39:30.439 --> 01:39:31.319
<v Speaker 18>get the satan care of.

1881
01:39:31.920 --> 01:39:34.520
<v Speaker 7>So I will give you an update probably on Monday.

1882
01:39:36.079 --> 01:39:39.960
<v Speaker 7>All right, three h three seven one three eight two

1883
01:39:40.279 --> 01:39:41.319
<v Speaker 7>five five.

1884
01:39:47.439 --> 01:39:50.680
<v Speaker 6>Go with a sure thing Denver's Best roofer excel roofing

1885
01:39:50.800 --> 01:39:53.439
<v Speaker 6>dot com. You don't pay a cent until you're content.

1886
01:39:56.800 --> 01:39:59.920
<v Speaker 6>Time for an insurance check up free no obligation. In comparison,

1887
01:40:00.159 --> 01:40:03.680
<v Speaker 6>call Compass Insurance paying too much your coverage at dozens

1888
01:40:03.720 --> 01:40:06.399
<v Speaker 6>of insurance companies find out now three all three seven

1889
01:40:06.520 --> 01:40:09.319
<v Speaker 6>seven to one help You'll think you're his only customer

1890
01:40:09.399 --> 01:40:11.560
<v Speaker 6>when you choose Frank durand the real estate Man dot

1891
01:40:11.680 --> 01:40:14.960
<v Speaker 6>com to list your home with Remax Alliance three all

1892
01:40:15.000 --> 01:40:20.680
<v Speaker 6>three nine two zero sixteen twenty two. Hi Tom Martino

1893
01:40:20.760 --> 01:40:22.800
<v Speaker 6>here at three all three seven one three talks seven

1894
01:40:22.840 --> 01:40:28.560
<v Speaker 6>one three eight two. Brian Burns's quick question here, Brian,

1895
01:40:28.640 --> 01:40:33.039
<v Speaker 6>if somebody slams into my house and ruins a treekay,

1896
01:40:33.079 --> 01:40:37.000
<v Speaker 6>a really beautiful big tree, how do you put a value?

1897
01:40:37.239 --> 01:40:39.800
<v Speaker 6>And by the way, Brian Burns is with Compass Insurance

1898
01:40:39.840 --> 01:40:41.720
<v Speaker 6>Group home of the insurance checkup.

1899
01:40:42.279 --> 01:40:44.079
<v Speaker 7>How do you put a value on that tree?

1900
01:40:45.920 --> 01:40:46.159
<v Speaker 13>Wow?

1901
01:40:46.479 --> 01:40:50.439
<v Speaker 22>Well, so, if it's a normal damage, the problem is

1902
01:40:50.479 --> 01:40:53.119
<v Speaker 22>if you're you're claiming it on your own policy, they

1903
01:40:53.279 --> 01:40:55.399
<v Speaker 22>put the value because they have a limitation. But if

1904
01:40:55.439 --> 01:40:58.840
<v Speaker 22>you're talking about going after somebody else because of what

1905
01:40:59.039 --> 01:41:02.279
<v Speaker 22>damage they did to you, that's different. That's kind of

1906
01:41:02.319 --> 01:41:05.479
<v Speaker 22>outside my scope because it's not really an insurance issue

1907
01:41:05.479 --> 01:41:07.439
<v Speaker 22>at that point. It's more of the value of the tree.

1908
01:41:07.479 --> 01:41:08.439
<v Speaker 22>It's more of a lawsuit.

1909
01:41:08.920 --> 01:41:10.720
<v Speaker 7>But yeah, but I guess I'm asking you this.

1910
01:41:11.640 --> 01:41:17.720
<v Speaker 6>Would do you believe an automobile liability policy extend to

1911
01:41:18.000 --> 01:41:19.279
<v Speaker 6>landscaping damage?

1912
01:41:20.039 --> 01:41:20.199
<v Speaker 18>Yes?

1913
01:41:20.479 --> 01:41:23.479
<v Speaker 22>Yeah, absolutely, that's liability. Still, I mean you did damage

1914
01:41:23.479 --> 01:41:26.479
<v Speaker 22>to someone else's property and that tree has value, no

1915
01:41:26.640 --> 01:41:30.199
<v Speaker 22>doubt to it. So yes, your liability or the driver's

1916
01:41:30.279 --> 01:41:33.159
<v Speaker 22>liability should pay for the damage to that.

1917
01:41:33.520 --> 01:41:37.479
<v Speaker 6>That's what we were asking. So, Tom, you're not barking

1918
01:41:37.600 --> 01:41:40.800
<v Speaker 6>up the wrong tree. Tom, that that but you're But

1919
01:41:41.039 --> 01:41:44.039
<v Speaker 6>now Compass can't tell you how to get it evaluated.

1920
01:41:44.600 --> 01:41:48.199
<v Speaker 6>You'd probably have to talk to an arborist or something exactly.

1921
01:41:48.520 --> 01:41:50.960
<v Speaker 13>Okay, Now, okay.

1922
01:41:51.479 --> 01:41:54.239
<v Speaker 6>Again, there's going to be a limit. There's not going

1923
01:41:54.319 --> 01:41:57.279
<v Speaker 6>to be a replacement of that exact tree. That tree

1924
01:41:57.399 --> 01:41:59.880
<v Speaker 6>has a value, and what you may have to do

1925
01:42:00.039 --> 01:42:02.760
<v Speaker 6>has planned a much smaller, younger tree and take the

1926
01:42:02.880 --> 01:42:03.640
<v Speaker 6>rest in cash.

1927
01:42:04.000 --> 01:42:07.079
<v Speaker 7>In other words, when you get compensated.

1928
01:42:06.439 --> 01:42:12.359
<v Speaker 6>For loss, it's not always going to be it's not

1929
01:42:12.479 --> 01:42:16.560
<v Speaker 6>going to make you one complete all the time. Like

1930
01:42:17.079 --> 01:42:22.920
<v Speaker 6>it may be impossible to transplant a tree that big. Yeah,

1931
01:42:23.119 --> 01:42:27.600
<v Speaker 6>so anyway, but there is value to it. Okay, that's

1932
01:42:27.680 --> 01:42:32.279
<v Speaker 6>the question. Now, Brian. Another question, what if this guy

1933
01:42:32.439 --> 01:42:35.159
<v Speaker 6>was uninsured or what if it was a hit and run?

1934
01:42:35.640 --> 01:42:39.000
<v Speaker 6>Would your homeowner's policy cover that so?

1935
01:42:39.319 --> 01:42:41.720
<v Speaker 22>And that is where you would have to actually look

1936
01:42:41.800 --> 01:42:42.880
<v Speaker 22>at your policy language.

1937
01:42:42.920 --> 01:42:45.880
<v Speaker 15>There is coverage for trees.

1938
01:42:46.560 --> 01:42:49.800
<v Speaker 6>Go with a sure thing Denver's Best roofer Excel Roofing

1939
01:42:49.920 --> 01:42:52.560
<v Speaker 6>dot com. You don't pay a cent until you're content.

1940
01:42:55.920 --> 01:42:59.079
<v Speaker 6>Time for an insurance check up free, no obligation. In comparison,

1941
01:42:59.239 --> 01:43:02.800
<v Speaker 6>call Compass Insurance. Pay too much your coverage at dozens

1942
01:43:02.800 --> 01:43:05.520
<v Speaker 6>of insurance companies find out now three all three seven

1943
01:43:05.560 --> 01:43:06.119
<v Speaker 6>to seven to one.

1944
01:43:06.239 --> 01:43:06.479
<v Speaker 7>Help.

1945
01:43:06.680 --> 01:43:09.319
<v Speaker 6>You'll think you're his only customer when you choose Frank

1946
01:43:09.359 --> 01:43:11.800
<v Speaker 6>durand the real estate Man dot com to list your

1947
01:43:11.880 --> 01:43:14.960
<v Speaker 6>home with Remax Alliance three all three nine two zero

1948
01:43:15.119 --> 01:43:16.039
<v Speaker 6>sixteen twenty two.

1949
01:43:16.920 --> 01:43:26.760
<v Speaker 1>Yeah, ripped of bad news? De need advice, you don't

1950
01:43:26.840 --> 01:43:31.159
<v Speaker 1>have the come running just as fast as.

1951
01:43:31.079 --> 01:43:32.640
<v Speaker 9>We can show.

1952
01:43:32.840 --> 01:43:34.119
<v Speaker 1>Shooter's gonna help.

1953
01:43:34.399 --> 01:43:41.479
<v Speaker 7>Come man, This is the Troubleshooter Show. Now Tom Martine, Hi,

1954
01:43:41.840 --> 01:43:43.800
<v Speaker 7>Tom Martino here, Welcome to the show.

1955
01:43:43.880 --> 01:43:46.760
<v Speaker 6>Three oh three seven one three talk seven one three

1956
01:43:46.840 --> 01:43:49.000
<v Speaker 6>eight two five five. This hour brought to you by

1957
01:43:49.079 --> 01:43:52.399
<v Speaker 6>one Clear Choice Garage Doors. When it comes to garage doors.

1958
01:43:52.880 --> 01:43:54.960
<v Speaker 6>You know, right now a lot of these companies are

1959
01:43:55.000 --> 01:43:58.079
<v Speaker 6>being bought out by big giant equity firms, and they're

1960
01:43:58.119 --> 01:43:59.720
<v Speaker 6>not as local as they used to be. One clear

1961
01:43:59.800 --> 01:44:02.279
<v Speaker 6>Choice Garage Door still does a great job coming to

1962
01:44:02.319 --> 01:44:03.319
<v Speaker 6>your house twenty four to.

1963
01:44:03.359 --> 01:44:07.199
<v Speaker 7>Seven For emergencies. Opener's garage doors any part of the

1964
01:44:07.279 --> 01:44:10.239
<v Speaker 7>garage door, any part of the Opener factory authorized for

1965
01:44:10.319 --> 01:44:14.079
<v Speaker 7>most doors like others, or not. Trust your doors to

1966
01:44:14.199 --> 01:44:14.800
<v Speaker 7>someone who.

1967
01:44:14.720 --> 01:44:17.680
<v Speaker 6>Will put all their prices on their website. One clear

1968
01:44:17.800 --> 01:44:22.920
<v Speaker 6>Choice Doors dot Com seven to zero three seven zero

1969
01:44:23.079 --> 01:44:24.159
<v Speaker 6>thirty nine eighty seven.

1970
01:44:24.720 --> 01:44:28.199
<v Speaker 7>Let's continue. We're here talking about anything you want to

1971
01:44:28.239 --> 01:44:34.760
<v Speaker 7>talk about. Three oho three seven one three talk now, Marlene,

1972
01:44:35.640 --> 01:44:38.880
<v Speaker 7>what's going on with you? Marlene, Welcome to the show.

1973
01:44:38.960 --> 01:44:43.039
<v Speaker 7>I'm told to check my email, which I'll do. Apparently

1974
01:44:43.119 --> 01:44:45.359
<v Speaker 7>you sent an email, so go ahead. Start your story.

1975
01:44:47.119 --> 01:44:50.319
<v Speaker 26>Well, about two years ago, I contacted home Depot about

1976
01:44:50.600 --> 01:44:53.840
<v Speaker 26>repairing some windows in my house, and the sales reps

1977
01:44:54.000 --> 01:44:57.840
<v Speaker 26>insisted that I had to have replacement windows because I'm

1978
01:44:57.920 --> 01:45:00.239
<v Speaker 26>one of the windows that still was rotted and the

1979
01:45:00.399 --> 01:45:03.720
<v Speaker 26>other window, a double pane glass was broken.

1980
01:45:04.399 --> 01:45:08.119
<v Speaker 23>Yeah, And so I believed him and we order you know, it.

1981
01:45:08.199 --> 01:45:10.840
<v Speaker 26>Was like two to three thousand dollars. So there's placement windows.

1982
01:45:10.880 --> 01:45:14.279
<v Speaker 23>And then they came out and their chuck cut the

1983
01:45:14.479 --> 01:45:17.279
<v Speaker 23>sill where it was added and just butted.

1984
01:45:17.079 --> 01:45:17.880
<v Speaker 3>Up some new wood.

1985
01:45:18.039 --> 01:45:20.600
<v Speaker 23>He didn't take the entire sill out. And so I

1986
01:45:20.680 --> 01:45:23.640
<v Speaker 23>contacted Home Depot again and said night, Now.

1987
01:45:24.119 --> 01:45:27.000
<v Speaker 6>When you went to home Depot, did they sub this

1988
01:45:27.199 --> 01:45:29.680
<v Speaker 6>out or was it Home Depot? I think they have

1989
01:45:29.800 --> 01:45:36.199
<v Speaker 6>a company that's an approved vendor, right, their.

1990
01:45:35.600 --> 01:45:39.239
<v Speaker 26>Sales rep is Home Depot and the contract I signed

1991
01:45:39.560 --> 01:45:41.039
<v Speaker 26>was from home Depot.

1992
01:45:42.000 --> 01:45:43.800
<v Speaker 7>Okay, And how many windows?

1993
01:45:44.920 --> 01:45:47.279
<v Speaker 23>There were two windows, and so the one had the

1994
01:45:47.399 --> 01:45:48.199
<v Speaker 23>rotted chill.

1995
01:45:48.319 --> 01:45:48.920
<v Speaker 7>And that's all.

1996
01:45:49.000 --> 01:45:52.800
<v Speaker 6>Wait, wait, so you only bought two replacement windows. Yes,

1997
01:45:53.760 --> 01:45:55.439
<v Speaker 6>and by the way, I just want to tell you

1998
01:45:55.560 --> 01:45:59.119
<v Speaker 6>something that was probably a good idea, not you know,

1999
01:45:59.239 --> 01:46:02.119
<v Speaker 6>to replace them. Now I can't speak to what they did.

2000
01:46:02.479 --> 01:46:06.680
<v Speaker 6>So are you saying that both replacement windows were jacked.

2001
01:46:08.640 --> 01:46:08.840
<v Speaker 7>Yes.

2002
01:46:09.119 --> 01:46:11.920
<v Speaker 23>When they did the installation, I'm the one with a

2003
01:46:12.000 --> 01:46:15.560
<v Speaker 23>rotted sill, they said I needed a new window because

2004
01:46:15.560 --> 01:46:18.880
<v Speaker 23>it had a rotted sill, and they didn't replace the

2005
01:46:19.039 --> 01:46:21.439
<v Speaker 23>entire sill. So they came back fan died out colomy.

2006
01:46:21.520 --> 01:46:22.920
<v Speaker 26>It three times to now.

2007
01:46:23.119 --> 01:46:25.760
<v Speaker 6>Now where does it stand today? What still needs to

2008
01:46:25.840 --> 01:46:27.319
<v Speaker 6>be done in your estimation?

2009
01:46:28.079 --> 01:46:32.319
<v Speaker 26>Okay, on the other window that didn't have a rotted sill,

2010
01:46:32.600 --> 01:46:36.399
<v Speaker 26>that chill is now completely rotted. And I called him

2011
01:46:36.439 --> 01:46:37.199
<v Speaker 26>and I said.

2012
01:46:37.680 --> 01:46:41.119
<v Speaker 23>Wait a minute, this should be a two year new shill.

2013
01:46:41.720 --> 01:46:44.439
<v Speaker 26>They never replaced the sill on that other window, even

2014
01:46:44.479 --> 01:46:46.039
<v Speaker 26>though they claim it's part of the window.

2015
01:46:46.399 --> 01:46:48.399
<v Speaker 23>So now I have a totally rotted sill.

2016
01:46:48.560 --> 01:46:49.880
<v Speaker 26>They sent out an inspector.

2017
01:46:50.000 --> 01:46:52.920
<v Speaker 7>He said, wait, wait, wait, are you saying a sill

2018
01:46:53.199 --> 01:46:54.479
<v Speaker 7>or a still.

2019
01:46:55.319 --> 01:46:59.600
<v Speaker 26>A still the war bottom part of the window that

2020
01:46:59.760 --> 01:47:00.439
<v Speaker 26>is part.

2021
01:47:00.319 --> 01:47:02.680
<v Speaker 7>Of the window. Are they saying it's not part of

2022
01:47:02.720 --> 01:47:03.199
<v Speaker 7>the window.

2023
01:47:04.079 --> 01:47:07.000
<v Speaker 26>No, the thing is part of the window. And that's

2024
01:47:07.199 --> 01:47:10.920
<v Speaker 26>why I needed new replacement windows. But when they installed

2025
01:47:11.000 --> 01:47:13.199
<v Speaker 26>the window, they didn't replace the sill.

2026
01:47:14.520 --> 01:47:20.680
<v Speaker 7>Well, that's ridiculous. Okay, hold on, hold on, so right now, though,

2027
01:47:20.840 --> 01:47:25.079
<v Speaker 7>let me let me get this straight. If they replace

2028
01:47:25.279 --> 01:47:30.000
<v Speaker 7>the sill, are they available separately?

2029
01:47:32.600 --> 01:47:37.880
<v Speaker 26>They claim no, but they didn't do it when they installed.

2030
01:47:37.520 --> 01:47:37.960
<v Speaker 15>The new No.

2031
01:47:38.159 --> 01:47:39.880
<v Speaker 7>I get that they didn't do it.

2032
01:47:40.359 --> 01:47:44.039
<v Speaker 6>Then if they did not do the sill, they installed

2033
01:47:44.119 --> 01:47:47.439
<v Speaker 6>a window and took the sill off the old window

2034
01:47:47.479 --> 01:47:48.039
<v Speaker 6>and put it on.

2035
01:47:48.119 --> 01:47:48.600
<v Speaker 7>The new one.

2036
01:47:50.279 --> 01:47:55.560
<v Speaker 26>No, it's just part of the framing and so they didn't.

2037
01:47:55.399 --> 01:47:56.239
<v Speaker 23>Have to touch it.

2038
01:47:56.960 --> 01:47:59.840
<v Speaker 6>I get what you're saying. So you're saying the inside

2039
01:48:00.359 --> 01:48:05.600
<v Speaker 6>trim had the sill on it. Yes, okay, I want

2040
01:48:05.680 --> 01:48:08.239
<v Speaker 6>to explain something to you. Listen, now that I know

2041
01:48:08.359 --> 01:48:12.279
<v Speaker 6>what you're talking about. There are drop in replacement windows

2042
01:48:12.960 --> 01:48:17.560
<v Speaker 6>that do not include the sill where the sill is

2043
01:48:17.840 --> 01:48:21.800
<v Speaker 6>part of the trim, and if they did not do

2044
01:48:22.079 --> 01:48:26.520
<v Speaker 6>new trim, you would not get a new sill. But

2045
01:48:26.680 --> 01:48:31.000
<v Speaker 6>there are some windows that include sills. It really is

2046
01:48:31.279 --> 01:48:33.359
<v Speaker 6>whatever you signed for.

2047
01:48:35.319 --> 01:48:40.880
<v Speaker 26>Okay, Well, they told me that they would replace the shills,

2048
01:48:40.960 --> 01:48:42.760
<v Speaker 26>because that was my problem, was that.

2049
01:48:42.960 --> 01:48:44.199
<v Speaker 7>In your contract.

2050
01:48:47.560 --> 01:48:48.399
<v Speaker 26>I believe it was.

2051
01:48:49.279 --> 01:48:52.439
<v Speaker 6>Well, let me see your contract then, Marlene, because listen,

2052
01:48:52.840 --> 01:48:56.920
<v Speaker 6>if they said windows and sills and trim, then you

2053
01:48:57.039 --> 01:48:59.680
<v Speaker 6>get it. If it doesn't, you're not gonna get it.

2054
01:49:00.039 --> 01:49:03.079
<v Speaker 6>I mean, Marlene, listen, I understand what you're saying.

2055
01:49:03.119 --> 01:49:03.279
<v Speaker 15>Though.

2056
01:49:03.399 --> 01:49:06.560
<v Speaker 6>I understand they looked at the sills and said, oh man,

2057
01:49:06.680 --> 01:49:09.319
<v Speaker 6>you need all new windows. I think what they were

2058
01:49:09.399 --> 01:49:13.079
<v Speaker 6>saying is the reason your sills are rotting is because

2059
01:49:13.119 --> 01:49:15.680
<v Speaker 6>they got wet from the old windows. You need to

2060
01:49:15.720 --> 01:49:20.119
<v Speaker 6>put in new windows, which was probably correct, But the

2061
01:49:20.399 --> 01:49:24.560
<v Speaker 6>sills themselves, if they are attached to the molding. When

2062
01:49:24.600 --> 01:49:27.000
<v Speaker 6>you look at the sills and they pulled out the windows,

2063
01:49:27.439 --> 01:49:29.800
<v Speaker 6>that sill was still attached to the molding.

2064
01:49:29.920 --> 01:49:30.359
<v Speaker 13>Is that right?

2065
01:49:31.520 --> 01:49:35.000
<v Speaker 6>Yes, Okay, then it's not I know you're not gonna

2066
01:49:35.079 --> 01:49:37.800
<v Speaker 6>like hearing this, but then it's truly not part of

2067
01:49:37.840 --> 01:49:38.800
<v Speaker 6>the window.

2068
01:49:40.600 --> 01:49:41.079
<v Speaker 23>Exactly.

2069
01:49:42.199 --> 01:49:46.079
<v Speaker 6>Well, well, it can't be that much to put two

2070
01:49:46.159 --> 01:49:48.720
<v Speaker 6>new sills or even all new trim up.

2071
01:49:49.079 --> 01:49:50.319
<v Speaker 7>It can't be that much.

2072
01:49:51.239 --> 01:49:55.680
<v Speaker 26>Well, they insisted that they couldn't do that, that they

2073
01:49:55.840 --> 01:49:59.840
<v Speaker 26>had to replace the windows in order to replace them.

2074
01:50:01.079 --> 01:50:05.840
<v Speaker 7>Marlene, Marlene, it doesn't matter about that. I get what

2075
01:50:05.960 --> 01:50:08.520
<v Speaker 7>you're saying. They were kind of right.

2076
01:50:09.079 --> 01:50:12.479
<v Speaker 6>They're telling you that if they replaced the trim and

2077
01:50:12.640 --> 01:50:16.880
<v Speaker 6>the sill, it would probably rot again because of the

2078
01:50:17.039 --> 01:50:19.720
<v Speaker 6>old windows, the old windows.

2079
01:50:19.880 --> 01:50:23.520
<v Speaker 7>Probably how old were the old windows They were.

2080
01:50:24.000 --> 01:50:24.840
<v Speaker 26>Thirty years old.

2081
01:50:24.960 --> 01:50:27.359
<v Speaker 6>Yet then they needed to be Listen. I don't think

2082
01:50:27.439 --> 01:50:30.520
<v Speaker 6>you did a bad thing replacing the windows. You just

2083
01:50:30.600 --> 01:50:33.119
<v Speaker 6>got to get your head around this. So now all

2084
01:50:33.239 --> 01:50:36.479
<v Speaker 6>you need to do is put in new trim with

2085
01:50:36.760 --> 01:50:41.479
<v Speaker 6>new sills. That is not unusual to do when you

2086
01:50:41.800 --> 01:50:45.319
<v Speaker 6>change the windows. But if you did not pay for

2087
01:50:45.479 --> 01:50:49.880
<v Speaker 6>the trim and the sills, it's not automatically done.

2088
01:50:51.560 --> 01:50:53.000
<v Speaker 20>I did pay for it.

2089
01:50:53.640 --> 01:50:55.960
<v Speaker 6>We're okay, then you're gonna okay, put her on hold.

2090
01:50:56.039 --> 01:50:57.920
<v Speaker 6>Show me the contract because I don't see it in

2091
01:50:57.960 --> 01:51:01.880
<v Speaker 6>your email. Show me the contract that says replacement windows,

2092
01:51:02.000 --> 01:51:05.319
<v Speaker 6>trim and sill. Just show me, and I promise you

2093
01:51:05.439 --> 01:51:08.560
<v Speaker 6>will fight for you, okay, because I need to see the.

2094
01:51:08.640 --> 01:51:13.399
<v Speaker 7>Contract because you you you said they don't. They said

2095
01:51:13.439 --> 01:51:16.239
<v Speaker 7>it's not part of the replacement window. Okay, it's not.

2096
01:51:17.159 --> 01:51:21.640
<v Speaker 6>But you said you bought everything, the new sills with

2097
01:51:21.800 --> 01:51:24.600
<v Speaker 6>the trim. That's what I need to see, Kachina. There's

2098
01:51:24.640 --> 01:51:27.800
<v Speaker 6>no sense going in circles. I need to see your contract.

2099
01:51:28.239 --> 01:51:30.760
<v Speaker 6>Three oh three seven one three talk seven one three

2100
01:51:30.920 --> 01:51:34.800
<v Speaker 6>eight two five five. So, buddy Mitchell, we got a

2101
01:51:34.880 --> 01:51:38.600
<v Speaker 6>quick question here about the They want to know on

2102
01:51:38.680 --> 01:51:44.640
<v Speaker 6>a basement floor, someone recommended a sub floor. Someone else

2103
01:51:44.720 --> 01:51:48.000
<v Speaker 6>recommended a thin set. They want to know what does

2104
01:51:48.079 --> 01:51:51.319
<v Speaker 6>that mean? What does she need normally on a floor

2105
01:51:51.600 --> 01:51:53.119
<v Speaker 6>when she's putting down LVP.

2106
01:51:54.840 --> 01:51:56.399
<v Speaker 7>Go ahead, there, there you go, sirt.

2107
01:51:57.800 --> 01:52:00.520
<v Speaker 17>We we go in and grind the high spots in

2108
01:52:00.600 --> 01:52:03.159
<v Speaker 17>the concrete and level and then level.

2109
01:52:02.920 --> 01:52:04.880
<v Speaker 7>It so you don't have to be done. You don't

2110
01:52:04.920 --> 01:52:06.600
<v Speaker 7>do a thin set whatever that is.

2111
01:52:06.800 --> 01:52:10.279
<v Speaker 17>Thin set is level okay, right, we use a special

2112
01:52:10.439 --> 01:52:13.079
<v Speaker 17>material that bonds with the concrete. After you grind it,

2113
01:52:13.199 --> 01:52:15.399
<v Speaker 17>you grind it and the wrong word they're using the

2114
01:52:15.439 --> 01:52:15.800
<v Speaker 17>wrong word.

2115
01:52:15.840 --> 01:52:19.000
<v Speaker 7>You're using whatever a level or so. But first you

2116
01:52:19.159 --> 01:52:20.800
<v Speaker 7>grind to almost level.

2117
01:52:21.000 --> 01:52:23.079
<v Speaker 17>Well, grind as much as we can, yeah, and then

2118
01:52:23.159 --> 01:52:26.760
<v Speaker 17>you put the level or we do flattener flattener okay, okay,

2119
01:52:26.880 --> 01:52:29.279
<v Speaker 17>we're not going to make the whole base get flattener.

2120
01:52:29.359 --> 01:52:29.479
<v Speaker 13>Right.

2121
01:52:30.279 --> 01:52:32.319
<v Speaker 7>Do you ever need a sub floor put down?

2122
01:52:32.600 --> 01:52:32.640
<v Speaker 13>No?

2123
01:52:33.279 --> 01:52:37.199
<v Speaker 7>Okay? What is they want to know this? Do they

2124
01:52:37.319 --> 01:52:39.640
<v Speaker 7>need a vapor barrier? Yes?

2125
01:52:39.920 --> 01:52:40.840
<v Speaker 13>What is that? Well?

2126
01:52:41.000 --> 01:52:42.760
<v Speaker 7>Okay, yes and no okay.

2127
01:52:43.520 --> 01:52:45.840
<v Speaker 17>A vapor barrier is a piece of plastic, a six

2128
01:52:45.920 --> 01:52:48.000
<v Speaker 17>mili piece of plastic that you lay on the floor

2129
01:52:48.000 --> 01:52:50.279
<v Speaker 17>and then you put the LVP over it.

2130
01:52:50.479 --> 01:52:50.760
<v Speaker 7>Okay.

2131
01:52:50.880 --> 01:52:55.399
<v Speaker 17>I've been doing basements for ten years. Yes, I work

2132
01:52:55.479 --> 01:52:58.960
<v Speaker 17>with lots of basement companies. Okay, we never did it.

2133
01:52:59.199 --> 01:53:01.840
<v Speaker 17>We've never had an issue. But if you have an issue,

2134
01:53:02.800 --> 01:53:05.800
<v Speaker 17>you know they're going to say, oh, you should have Now.

2135
01:53:06.000 --> 01:53:09.159
<v Speaker 17>The LVP companies came out about a year year and

2136
01:53:09.199 --> 01:53:10.920
<v Speaker 17>a half ago and started requiring it.

2137
01:53:11.039 --> 01:53:15.439
<v Speaker 7>So they didn't. No, because it traps moisture, So you

2138
01:53:15.520 --> 01:53:19.079
<v Speaker 7>don't put vapor berries. We don't. We checked the liability

2139
01:53:19.359 --> 01:53:20.760
<v Speaker 7>and you've not had any problems.

2140
01:53:21.159 --> 01:53:24.960
<v Speaker 17>I have done six to seven basements a week for

2141
01:53:25.119 --> 01:53:27.159
<v Speaker 17>ten years and never had a problem.

2142
01:53:27.279 --> 01:53:30.399
<v Speaker 7>Never had a problem. Oh, never happened.

2143
01:53:30.479 --> 01:53:32.319
<v Speaker 17>Well, I had problems in the beginning because I didn't

2144
01:53:32.359 --> 01:53:34.960
<v Speaker 17>flatten the floors, okay, and then I had a problem

2145
01:53:35.439 --> 01:53:38.399
<v Speaker 17>in the beginning because I used the home depot floor

2146
01:53:38.479 --> 01:53:41.439
<v Speaker 17>level or and over time people walking on it, it

2147
01:53:41.520 --> 01:53:44.520
<v Speaker 17>turned into like gravel because it didn't chemically bond.

2148
01:53:45.000 --> 01:53:48.439
<v Speaker 6>And the new stuff chemically bonds. Yes, that sounds like

2149
01:53:48.520 --> 01:53:49.520
<v Speaker 6>some good stuff, right.

2150
01:53:49.640 --> 01:53:53.800
<v Speaker 17>Yeah, it's specially designed to make the floor flat and

2151
01:53:53.920 --> 01:53:55.600
<v Speaker 17>it bonds with the concrete below it.

2152
01:53:56.359 --> 01:53:59.439
<v Speaker 7>All right, So that's simply Floors Inc. Dot Com.

2153
01:53:59.560 --> 01:54:04.359
<v Speaker 6>I was asking us because he's got just straight information. Hey, uh, Sally,

2154
01:54:04.479 --> 01:54:06.279
<v Speaker 6>what's your question about a judgment.

2155
01:54:09.159 --> 01:54:12.119
<v Speaker 19>Called your property manager that stole my rent and my

2156
01:54:13.000 --> 01:54:14.039
<v Speaker 19>security deposits?

2157
01:54:14.359 --> 01:54:16.680
<v Speaker 6>Wait a minute, wait a minute, you what do you

2158
01:54:16.760 --> 01:54:19.680
<v Speaker 6>mean they stole What do you mean the property manager

2159
01:54:19.840 --> 01:54:20.279
<v Speaker 6>stole it?

2160
01:54:21.760 --> 01:54:25.600
<v Speaker 19>Well, the tenants paid by zell I think it is.

2161
01:54:25.760 --> 01:54:29.119
<v Speaker 7>And he's, oh, you're you are? You are the landlord.

2162
01:54:29.960 --> 01:54:33.000
<v Speaker 19>I'm the landlord, but the property manager collects the rent

2163
01:54:33.039 --> 01:54:34.680
<v Speaker 19>and then they're supposed to disperse to me.

2164
01:54:35.479 --> 01:54:38.520
<v Speaker 7>Oh, now did you fire this property manager?

2165
01:54:39.520 --> 01:54:41.199
<v Speaker 19>Well, I didn't have to because I couldn't get a

2166
01:54:41.239 --> 01:54:43.319
<v Speaker 19>hold of him. I just went to the police like

2167
01:54:43.399 --> 01:54:46.319
<v Speaker 19>you told me to do. And that was a year ago.

2168
01:54:46.399 --> 01:54:48.680
<v Speaker 7>And now I oh, wait, Sally, so you called me

2169
01:54:48.760 --> 01:54:49.720
<v Speaker 7>on this a year ago.

2170
01:54:50.800 --> 01:54:58.239
<v Speaker 19>Yeah, it took that long. And what happened, well, actually,

2171
01:54:58.359 --> 01:55:00.159
<v Speaker 19>you know you were so firm about it. You go

2172
01:55:00.520 --> 01:55:01.239
<v Speaker 19>talk to the tennis.

2173
01:55:01.319 --> 01:55:07.880
<v Speaker 6>This was a Darryl Darryl evangelista. Right, okay, hold on,

2174
01:55:08.000 --> 01:55:10.000
<v Speaker 6>I'll come right back. Hold on, dear, I'll come right

2175
01:55:10.039 --> 01:55:13.319
<v Speaker 6>back to you. I remember this clown three oh three seven, one,

2176
01:55:13.399 --> 01:55:15.840
<v Speaker 6>three eight, two five five more coming right up on

2177
01:55:15.880 --> 01:55:16.720
<v Speaker 6>the Troubleshooter Show.

2178
01:55:16.720 --> 01:55:17.600
<v Speaker 7>And I want to tell you about this.

2179
01:55:17.800 --> 01:55:21.439
<v Speaker 6>Excel Roofing is the best roofer, not just because of

2180
01:55:21.520 --> 01:55:23.880
<v Speaker 6>how they do roofs, but how they inspect the entire

2181
01:55:23.960 --> 01:55:26.840
<v Speaker 6>roof system. I'm gonna give you a personal sample. My

2182
01:55:27.039 --> 01:55:29.119
<v Speaker 6>attic was one hundred and thirty degrees and I thought

2183
01:55:29.159 --> 01:55:32.560
<v Speaker 6>I was doing everything right. That would have ruined my roof,

2184
01:55:32.760 --> 01:55:34.119
<v Speaker 6>my decking and everything if.

2185
01:55:34.039 --> 01:55:35.000
<v Speaker 7>I didn't go to Excel.

2186
01:55:35.279 --> 01:55:37.920
<v Speaker 6>They do more than roofs. They know the entire roof system.

2187
01:55:38.039 --> 01:55:42.119
<v Speaker 6>They know how to make roofs last forever.

2188
01:55:42.319 --> 01:55:43.800
<v Speaker 7>I mean not forever, but you know what I mean.

2189
01:55:43.880 --> 01:55:48.680
<v Speaker 6>Right, Excel as an excellent ex Cel Excel Roofing dot com.

2190
01:55:48.920 --> 01:55:52.119
<v Speaker 6>Go with a sure thing Denver's best roofer Excel Roofing

2191
01:55:52.239 --> 01:55:54.880
<v Speaker 6>dot com. You don't pay a cent until you're content.

2192
01:55:58.279 --> 01:56:01.399
<v Speaker 6>Time for an insurance check up free, no obligation. In comparison,

2193
01:56:01.600 --> 01:56:05.119
<v Speaker 6>call Compass Insurance paying too much your coverage at dozens

2194
01:56:05.159 --> 01:56:07.880
<v Speaker 6>of insurance companies find out now three all three seven

2195
01:56:07.880 --> 01:56:08.439
<v Speaker 6>to seven to one.

2196
01:56:08.600 --> 01:56:08.800
<v Speaker 7>Help.

2197
01:56:09.000 --> 01:56:11.640
<v Speaker 6>You'll think you're his only customer when you choose Frank

2198
01:56:11.720 --> 01:56:14.119
<v Speaker 6>durand the real estate Man dot com to list your

2199
01:56:14.199 --> 01:56:17.319
<v Speaker 6>home with Remax Alliance three all three nine two zero

2200
01:56:17.439 --> 01:56:25.039
<v Speaker 6>sixteen twenty two. Hi Tom Martino, you're troubleshooter. So I

2201
01:56:25.119 --> 01:56:29.520
<v Speaker 6>have a picture of Darryl Evangelista. He's still in business,

2202
01:56:29.600 --> 01:56:33.159
<v Speaker 6>still advertising big, but Sally said he took several rents

2203
01:56:33.239 --> 01:56:35.800
<v Speaker 6>and never passed him on as a property manager.

2204
01:56:36.239 --> 01:56:40.239
<v Speaker 7>So did you get a judgment against them sally, Yes.

2205
01:56:40.319 --> 01:56:42.479
<v Speaker 19>So I sort of like run that. But that's part

2206
01:56:42.520 --> 01:56:45.199
<v Speaker 19>of my question, like what happens now and what does

2207
01:56:45.279 --> 01:56:47.159
<v Speaker 19>it mean if he doesn't pay and I go to

2208
01:56:47.279 --> 01:56:48.520
<v Speaker 19>civil court? I don't get it.

2209
01:56:49.119 --> 01:56:51.640
<v Speaker 7>Well, you already got a judgment, so you did go

2210
01:56:51.720 --> 01:56:52.439
<v Speaker 7>to civil.

2211
01:56:52.199 --> 01:56:56.520
<v Speaker 19>Court, right, I went to a law court, but you

2212
01:56:56.600 --> 01:56:58.840
<v Speaker 19>know it was just in August first, so I haven't

2213
01:56:59.159 --> 01:56:59.920
<v Speaker 19>gotten any.

2214
01:57:01.720 --> 01:57:07.840
<v Speaker 7>Did the judge, did Darryl show up?

2215
01:57:10.279 --> 01:57:12.880
<v Speaker 19>He shut up and then he said, yeah, I did it.

2216
01:57:13.000 --> 01:57:13.399
<v Speaker 22>I took it.

2217
01:57:13.960 --> 01:57:16.079
<v Speaker 7>Well, let me ask you. Was this a law enforcement

2218
01:57:16.159 --> 01:57:18.399
<v Speaker 7>action or was this a civil or was this a

2219
01:57:18.520 --> 01:57:19.479
<v Speaker 7>lawsuit you brought?

2220
01:57:21.039 --> 01:57:23.279
<v Speaker 19>It was law because I don't know anything about what

2221
01:57:23.479 --> 01:57:24.239
<v Speaker 19>civil means.

2222
01:57:24.640 --> 01:57:28.520
<v Speaker 6>Okay, okay, So in other words, why were you there?

2223
01:57:28.720 --> 01:57:30.159
<v Speaker 6>Did the police contact you?

2224
01:57:31.600 --> 01:57:31.720
<v Speaker 4>Well?

2225
01:57:31.760 --> 01:57:34.119
<v Speaker 19>I contacted them and gave a report.

2226
01:57:33.880 --> 01:57:37.279
<v Speaker 7>And then he was arrested. Did the court order restitution?

2227
01:57:39.039 --> 01:57:39.479
<v Speaker 19>Correct?

2228
01:57:40.359 --> 01:57:42.600
<v Speaker 7>How much restitution per month?

2229
01:57:44.239 --> 01:57:44.399
<v Speaker 4>Well?

2230
01:57:44.439 --> 01:57:47.079
<v Speaker 19>I don't that's part of my question. I don't know

2231
01:57:47.199 --> 01:57:49.439
<v Speaker 19>the details. And of course I can call them now,

2232
01:57:49.479 --> 01:57:50.520
<v Speaker 19>but I called you first.

2233
01:57:50.840 --> 01:57:54.239
<v Speaker 6>Okay, here's what you need to do. You're saying, how

2234
01:57:54.279 --> 01:57:58.119
<v Speaker 6>do you know there was a rid of reimbursement or restitution?

2235
01:57:58.279 --> 01:57:58.880
<v Speaker 7>How do you know that.

2236
01:57:59.159 --> 01:58:00.720
<v Speaker 4>The judge said, so good.

2237
01:58:01.199 --> 01:58:03.359
<v Speaker 6>Now you need to contact the clerk of the courts

2238
01:58:03.520 --> 01:58:06.479
<v Speaker 6>or that court case. Yep, and you need to ask

2239
01:58:06.600 --> 01:58:10.439
<v Speaker 6>them for details in the jacket on how much in

2240
01:58:10.520 --> 01:58:14.359
<v Speaker 6>the transcript, how much was ordered that he pay and

2241
01:58:15.039 --> 01:58:16.079
<v Speaker 6>when does it start?

2242
01:58:16.840 --> 01:58:19.520
<v Speaker 21>When was the hearing August first?

2243
01:58:20.520 --> 01:58:26.119
<v Speaker 7>And was it brought by the DA. Yes, they will

2244
01:58:26.159 --> 01:58:27.239
<v Speaker 7>have the information too.

2245
01:58:27.640 --> 01:58:30.399
<v Speaker 19>They said state of Colorado on there, so I assume

2246
01:58:30.439 --> 01:58:31.199
<v Speaker 19>that's the same thing.

2247
01:58:31.960 --> 01:58:34.199
<v Speaker 7>It may be the Attorney general. Do you know if

2248
01:58:34.239 --> 01:58:35.800
<v Speaker 7>there were a lot of victims.

2249
01:58:37.760 --> 01:58:38.119
<v Speaker 4>There was.

2250
01:58:38.399 --> 01:58:42.199
<v Speaker 19>I know there was one other victim before I came along,

2251
01:58:42.359 --> 01:58:45.399
<v Speaker 19>but that didn't come up in the discussion.

2252
01:58:45.880 --> 01:58:47.279
<v Speaker 7>So you were at the hearing.

2253
01:58:48.960 --> 01:58:51.680
<v Speaker 19>At the restitution hearing, is okay.

2254
01:58:51.840 --> 01:58:56.600
<v Speaker 6>So contact that judge or the district attorney and they'll

2255
01:58:56.640 --> 01:59:00.119
<v Speaker 6>give you all the details you need. On reimbursement, it

2256
01:59:00.960 --> 01:59:04.039
<v Speaker 6>happened to me once where somebody was ordered and then

2257
01:59:04.079 --> 01:59:07.000
<v Speaker 6>they send checks and if they don't, you contact the

2258
01:59:07.079 --> 01:59:12.560
<v Speaker 6>courts and they put them in jail. So you don't

2259
01:59:12.600 --> 01:59:16.119
<v Speaker 6>really need you do not need a civil judgment unless

2260
01:59:16.319 --> 01:59:20.600
<v Speaker 6>you wanted to do go beyond the criminal institution.

2261
01:59:20.840 --> 01:59:22.880
<v Speaker 19>I don't want to go beyond that. I just want

2262
01:59:23.159 --> 01:59:25.079
<v Speaker 19>what the judge told me I should get.

2263
01:59:26.199 --> 01:59:28.079
<v Speaker 7>What did the judge say you should get?

2264
01:59:29.680 --> 01:59:29.880
<v Speaker 1>Well?

2265
01:59:30.119 --> 01:59:33.680
<v Speaker 19>I had it's nine two hundred. He got a little bit,

2266
01:59:33.760 --> 01:59:35.520
<v Speaker 19>and I got the bulk of it. But I just

2267
01:59:35.600 --> 01:59:38.119
<v Speaker 19>don't know the details. And that's why I was called who.

2268
01:59:38.079 --> 01:59:39.960
<v Speaker 7>Got a little bit and you got the bulk of it?

2269
01:59:40.039 --> 01:59:41.039
<v Speaker 9>Who got a lill mount?

2270
01:59:41.159 --> 01:59:41.479
<v Speaker 26>Was ten?

2271
01:59:41.680 --> 01:59:41.920
<v Speaker 24>Nine?

2272
01:59:43.159 --> 01:59:46.439
<v Speaker 19>Then the judge said, okay, Darryl, you can have the

2273
01:59:47.680 --> 01:59:51.560
<v Speaker 19>half month's rent for finding the tenant and six hundred.

2274
01:59:51.600 --> 01:59:53.439
<v Speaker 7>Oh, I get it, got it? I get it. So

2275
01:59:53.680 --> 01:59:57.279
<v Speaker 7>he he said, I'll subtract what your fees would have been.

2276
01:59:58.439 --> 01:59:58.720
<v Speaker 6>Got it?

2277
01:59:59.640 --> 02:00:01.760
<v Speaker 7>Did he say how much he has to pay that?

2278
02:00:01.960 --> 02:00:02.479
<v Speaker 7>And how.

2279
02:00:04.560 --> 02:00:08.159
<v Speaker 19>No, that's actually why I'm calling you. I know, I'm always.

2280
02:00:10.239 --> 02:00:14.680
<v Speaker 6>Okay, normally listen carefully. Normally they they set out a

2281
02:00:14.720 --> 02:00:15.319
<v Speaker 6>payment plan.

2282
02:00:16.119 --> 02:00:16.319
<v Speaker 26>Yep.

2283
02:00:17.880 --> 02:00:20.079
<v Speaker 7>You may want to take that judgment.

2284
02:00:21.720 --> 02:00:24.000
<v Speaker 6>And get you may want to take that court ruling

2285
02:00:24.079 --> 02:00:29.479
<v Speaker 6>and get what's called the transcriptive judgment. Okay, And that

2286
02:00:29.560 --> 02:00:32.399
<v Speaker 6>would mean then you could go go for clothes on

2287
02:00:32.520 --> 02:00:33.279
<v Speaker 6>stuff he owns.

2288
02:00:35.079 --> 02:00:35.840
<v Speaker 7>Does he own a home?

2289
02:00:36.920 --> 02:00:39.920
<v Speaker 19>That's a little beyond me, I think, But Sally.

2290
02:00:40.000 --> 02:00:41.640
<v Speaker 7>Sometimes you got to hire an attorney.

2291
02:00:42.399 --> 02:00:42.640
<v Speaker 9>Yep.

2292
02:00:43.840 --> 02:00:49.319
<v Speaker 7>So I suggest you start with Frank Ball B A L. L.

2293
02:00:52.279 --> 02:00:53.279
<v Speaker 7>Frank Ball.

2294
02:00:55.079 --> 02:01:00.239
<v Speaker 6>Is a collection attorney, a really good I don't know

2295
02:01:01.520 --> 02:01:03.239
<v Speaker 6>if he can take your case or not. He has

2296
02:01:03.279 --> 02:01:06.159
<v Speaker 6>a lot of regular clients, but he might have a

2297
02:01:06.239 --> 02:01:10.000
<v Speaker 6>reference for you, or he might add fees. It depends

2298
02:01:10.079 --> 02:01:13.439
<v Speaker 6>on what this restitution order is all about.

2299
02:01:14.439 --> 02:01:17.359
<v Speaker 19>So I really need to see that transcriptive judgment that

2300
02:01:17.479 --> 02:01:18.479
<v Speaker 19>you mentioned before.

2301
02:01:18.520 --> 02:01:24.199
<v Speaker 7>I guah, yes, or or or the court order for restitution.

2302
02:01:24.760 --> 02:01:27.079
<v Speaker 6>You need to get that in your hands and then

2303
02:01:27.600 --> 02:01:29.680
<v Speaker 6>ask Frank about collecting on it.

2304
02:01:30.439 --> 02:01:34.199
<v Speaker 7>Okay, he may have some ideas on how to collect

2305
02:01:34.279 --> 02:01:34.520
<v Speaker 7>on it.

2306
02:01:36.199 --> 02:01:36.399
<v Speaker 4>Well.

2307
02:01:36.479 --> 02:01:39.239
<v Speaker 19>And maybe the first payment isn't due for three months.

2308
02:01:39.279 --> 02:01:41.079
<v Speaker 7>I don't know, Maybe that's right.

2309
02:01:41.239 --> 02:01:43.760
<v Speaker 6>That's why you need to get the details from the

2310
02:01:43.840 --> 02:01:47.079
<v Speaker 6>court and when and if you can't. If you can't,

2311
02:01:47.159 --> 02:01:49.399
<v Speaker 6>you call me back because I got a record of

2312
02:01:49.439 --> 02:01:51.960
<v Speaker 6>your call. I brought it right up and we will

2313
02:01:52.079 --> 02:01:52.760
<v Speaker 6>revisit this.

2314
02:01:52.920 --> 02:01:53.720
<v Speaker 19>I'm astounded.

2315
02:01:54.600 --> 02:01:56.800
<v Speaker 6>Yeah, well, I really do keep records of people who

2316
02:01:56.920 --> 02:01:58.680
<v Speaker 6>call because we want to help them. So thank you

2317
02:01:58.800 --> 02:02:00.880
<v Speaker 6>for calling back and letting a snow where you stand.

2318
02:02:01.439 --> 02:02:03.600
<v Speaker 6>Three oh three seven one three talks seven one three

2319
02:02:03.680 --> 02:02:07.680
<v Speaker 6>A two five five more coming right up, go with

2320
02:02:07.800 --> 02:02:11.239
<v Speaker 6>a sure thing Denver's best roofer Excel Roofing dot com.

2321
02:02:11.439 --> 02:02:17.119
<v Speaker 6>You don't pay a cent until you're content. Time for

2322
02:02:17.199 --> 02:02:20.359
<v Speaker 6>an insurance check up free, no obligation. In comparison, call

2323
02:02:20.479 --> 02:02:23.760
<v Speaker 6>Compass Insurance paying too much your coverage at dozens of

2324
02:02:23.840 --> 02:02:26.760
<v Speaker 6>insurance companies find out Now three oh three seven seven

2325
02:02:26.760 --> 02:02:29.520
<v Speaker 6>to one help. You'll think you're his only customer when

2326
02:02:29.560 --> 02:02:31.840
<v Speaker 6>you choose Frank durand the real estate Man dot com

2327
02:02:32.079 --> 02:02:35.159
<v Speaker 6>to list your home with Remax Alliance three oh three

2328
02:02:35.279 --> 02:02:41.880
<v Speaker 6>nine two zero sixteen twenty two. Tom Martine here three

2329
02:02:41.960 --> 02:02:44.479
<v Speaker 6>oh three seven one three talks seven one three eight

2330
02:02:44.560 --> 02:02:49.359
<v Speaker 6>two five five. By the way, Killing Park is law

2331
02:02:49.520 --> 02:02:53.800
<v Speaker 6>KP dot com Killing Park for estate planning and wills.

2332
02:02:55.079 --> 02:02:58.279
<v Speaker 7>Somebody asks me, do they really do all of the

2333
02:02:58.359 --> 02:03:00.920
<v Speaker 7>planning free? And the answer kind of yes, they do.

2334
02:03:01.199 --> 02:03:03.920
<v Speaker 6>They They come up with all the strategy with pricing

2335
02:03:04.039 --> 02:03:06.000
<v Speaker 6>next to it, so they won't execute the trust, but

2336
02:03:06.119 --> 02:03:09.239
<v Speaker 6>may recommend a trust. They don't actually write the will,

2337
02:03:09.319 --> 02:03:12.920
<v Speaker 6>but recommend the will or recommend the rebate, the review

2338
02:03:13.239 --> 02:03:16.880
<v Speaker 6>or the update or whatever, and then or the beneficiaries deed.

2339
02:03:17.199 --> 02:03:20.079
<v Speaker 6>All of that's recommended with pricing and then you decide

2340
02:03:20.119 --> 02:03:23.119
<v Speaker 6>how much of it you want to do LAWKP dot com.

2341
02:03:23.920 --> 02:03:25.359
<v Speaker 7>Now let's talk people.

2342
02:03:26.039 --> 02:03:29.840
<v Speaker 6>Let's go back to Okay, it's at lara'stern, Lara an

2343
02:03:29.880 --> 02:03:30.640
<v Speaker 6>issue on banking.

2344
02:03:30.720 --> 02:03:31.159
<v Speaker 7>What's going on?

2345
02:03:31.359 --> 02:03:31.600
<v Speaker 22>Lara?

2346
02:03:34.159 --> 02:03:38.439
<v Speaker 25>Yes, Hi, I married my husband is a second marriage

2347
02:03:38.479 --> 02:03:43.399
<v Speaker 25>for both of us three years ago, okay. And she

2348
02:03:43.920 --> 02:03:48.239
<v Speaker 25>claims bankruptcy nine years ago okay, prior to when we

2349
02:03:48.359 --> 02:03:51.159
<v Speaker 25>were married and prior to when we coming go.

2350
02:03:51.319 --> 02:03:52.319
<v Speaker 7>Sounds right.

2351
02:03:53.239 --> 02:03:56.520
<v Speaker 25>We found out today, like the bank didn't even call us.

2352
02:03:57.359 --> 02:04:00.880
<v Speaker 25>It was a check he wrote for a used car

2353
02:04:02.079 --> 02:04:05.079
<v Speaker 25>to a young woman who had blown up her engine.

2354
02:04:05.439 --> 02:04:07.720
<v Speaker 25>She tried to cast the check and the and the

2355
02:04:08.560 --> 02:04:11.199
<v Speaker 25>bank said that the that the bank accounts were frozen.

2356
02:04:11.960 --> 02:04:14.840
<v Speaker 6>Wait a minute, Wait a minute, this check that he wrote,

2357
02:04:14.880 --> 02:04:16.159
<v Speaker 6>When did he write this check?

2358
02:04:17.760 --> 02:04:19.560
<v Speaker 25>Oh, probably two weeks ago?

2359
02:04:20.000 --> 02:04:22.359
<v Speaker 7>And and was it a legit check? He did write

2360
02:04:22.399 --> 02:04:24.359
<v Speaker 7>this check, Yes, you did.

2361
02:04:24.920 --> 02:04:27.760
<v Speaker 25>We bought a used vehicle from a young lady down

2362
02:04:27.840 --> 02:04:33.159
<v Speaker 25>the road. And so what I'm saying by that is

2363
02:04:33.199 --> 02:04:34.800
<v Speaker 25>that a bank didn't call us to tell us that

2364
02:04:34.880 --> 02:04:36.720
<v Speaker 25>it was frozen. We had to find out because they

2365
02:04:36.760 --> 02:04:38.880
<v Speaker 25>didn't honor a check that why was you why was

2366
02:04:38.920 --> 02:04:43.000
<v Speaker 25>your bank account frozen while they're saying that it was

2367
02:04:43.079 --> 02:04:47.520
<v Speaker 25>frozen because of a disbankruptcy nine years ago.

2368
02:04:49.680 --> 02:04:53.960
<v Speaker 7>Why though, that doesn't make sense. Was the bankruptcy discharged?

2369
02:04:54.960 --> 02:04:58.600
<v Speaker 6>Yes, that means by the way, for those listening, discharged

2370
02:04:58.760 --> 02:05:01.960
<v Speaker 6>means good, it was all on, all the debts went away.

2371
02:05:02.439 --> 02:05:03.840
<v Speaker 7>Dismissed would not be good.

2372
02:05:03.880 --> 02:05:07.560
<v Speaker 6>Okay, So the bankruptcy was discharged how long ago?

2373
02:05:08.880 --> 02:05:09.560
<v Speaker 25>Nine years ago?

2374
02:05:10.159 --> 02:05:11.600
<v Speaker 7>And nine wow?

2375
02:05:12.880 --> 02:05:15.520
<v Speaker 25>And he's had accounts with the same bank, it's that

2376
02:05:15.600 --> 02:05:18.760
<v Speaker 25>credit Union, same bank since that time. And then we

2377
02:05:19.039 --> 02:05:19.960
<v Speaker 25>opened a joint EXE.

2378
02:05:20.159 --> 02:05:22.720
<v Speaker 6>So are are you saying right now you could not

2379
02:05:22.880 --> 02:05:24.680
<v Speaker 6>get your money out of that account?

2380
02:05:25.680 --> 02:05:27.000
<v Speaker 26>No, no, we can't.

2381
02:05:27.079 --> 02:05:30.039
<v Speaker 25>We can't use those accounts at all, which includes my

2382
02:05:30.720 --> 02:05:32.039
<v Speaker 25>money from the sale.

2383
02:05:31.800 --> 02:05:32.359
<v Speaker 19>Of my home.

2384
02:05:32.680 --> 02:05:38.199
<v Speaker 6>Okay, hold on, something something is wrong. Why something obviously

2385
02:05:38.359 --> 02:05:41.920
<v Speaker 6>got screwed up. I mean, I can't even imagine why

2386
02:05:42.640 --> 02:05:46.000
<v Speaker 6>a nine year old case is coming back to haunt you.

2387
02:05:47.720 --> 02:05:48.479
<v Speaker 25>I don't know either.

2388
02:05:48.600 --> 02:05:49.079
<v Speaker 19>We haven't.

2389
02:05:49.159 --> 02:05:51.000
<v Speaker 25>We're going down there. They said that they can't do

2390
02:05:51.119 --> 02:05:54.560
<v Speaker 25>anything over the phone, so we're going down there today.

2391
02:05:54.840 --> 02:05:57.359
<v Speaker 6>But I just want to know what my like, Okay, right,

2392
02:05:57.560 --> 02:05:59.920
<v Speaker 6>I mean, here's what we're gonna do. Here's what we're

2393
02:06:00.079 --> 02:06:02.960
<v Speaker 6>going to do. We're going to get Mike Wink. Let's

2394
02:06:03.000 --> 02:06:06.079
<v Speaker 6>try to get Mike Wink on right now, Kachina if

2395
02:06:06.119 --> 02:06:11.439
<v Speaker 6>we can, Okay from the Wink Law firm. He does bankruptcy.

2396
02:06:11.560 --> 02:06:15.079
<v Speaker 6>He's our bankruptcy expert, Kaschina. Let's try to do that

2397
02:06:15.159 --> 02:06:17.239
<v Speaker 6>before the end of the show for her. Hold on,

2398
02:06:17.279 --> 02:06:19.079
<v Speaker 6>all right, Lara, We'll try to get someone on to

2399
02:06:19.199 --> 02:06:21.760
<v Speaker 6>answer for you. Three oh three seven one three eight

2400
02:06:21.800 --> 02:06:23.680
<v Speaker 6>two five five Mike, what's going on with you?

2401
02:06:23.920 --> 02:06:27.399
<v Speaker 11>Hello, Mike, Hi Tom, Thank you for taking my call.

2402
02:06:28.119 --> 02:06:31.680
<v Speaker 11>I had a couple of things that I wanted to

2403
02:06:31.800 --> 02:06:36.159
<v Speaker 11>point out to your listeners. Yes, I have recently gone

2404
02:06:36.239 --> 02:06:43.079
<v Speaker 11>online and ordered two mattresses from two separate companies for delivery.

2405
02:06:43.680 --> 02:06:43.880
<v Speaker 7>Yeah.

2406
02:06:44.239 --> 02:06:46.960
<v Speaker 11>And when I talked to those companies, I asked them

2407
02:06:47.079 --> 02:06:51.800
<v Speaker 11>to provide proof of liability insurance so that I know

2408
02:06:51.960 --> 02:06:55.520
<v Speaker 11>they were covered when they came into my house to

2409
02:06:55.680 --> 02:06:56.840
<v Speaker 11>deliver the mattresses.

2410
02:06:57.359 --> 02:06:59.680
<v Speaker 7>Huh, that's weird. I would have not asked for that,

2411
02:06:59.760 --> 02:07:00.720
<v Speaker 7>but go ahead.

2412
02:07:00.760 --> 02:07:06.159
<v Speaker 11>Well, those are the manufacturers the mattresses, so I generally

2413
02:07:06.279 --> 02:07:09.079
<v Speaker 11>asked for proof of liability if somebody comes on my

2414
02:07:09.279 --> 02:07:11.119
<v Speaker 11>roof or Okay, well that's good.

2415
02:07:11.199 --> 02:07:13.079
<v Speaker 7>No, that's a good practice. So what happened?

2416
02:07:13.439 --> 02:07:18.000
<v Speaker 11>So both of them said, no problem. One one mattress

2417
02:07:18.119 --> 02:07:21.319
<v Speaker 11>was a different manufacturer, the other was another, And so

2418
02:07:21.520 --> 02:07:24.640
<v Speaker 11>they sent me their proof of insurance.

2419
02:07:24.920 --> 02:07:28.119
<v Speaker 6>Now did you ask for proof of insurance specifically for

2420
02:07:28.359 --> 02:07:31.079
<v Speaker 6>deliveries or just proof of insurance.

2421
02:07:31.359 --> 02:07:35.000
<v Speaker 11>Well, that's what I'm getting to. I said, I need liability.

2422
02:07:35.039 --> 02:07:37.479
<v Speaker 11>I told them both, and I had it in writing

2423
02:07:37.560 --> 02:07:41.640
<v Speaker 11>and emails. I said, I need your liability insurance for

2424
02:07:41.800 --> 02:07:45.439
<v Speaker 11>when you deliver the mattress into my home. Both of

2425
02:07:45.520 --> 02:07:48.760
<v Speaker 11>them said, no problem, we got it, we'll happy it.

2426
02:07:48.800 --> 02:07:51.439
<v Speaker 11>We'll be happy to send it to you. I said,

2427
02:07:51.640 --> 02:07:54.800
<v Speaker 11>I need to see or they actually said, our delivery

2428
02:07:54.920 --> 02:07:58.279
<v Speaker 11>people will have it with them. I said, no, no,

2429
02:07:58.640 --> 02:08:01.159
<v Speaker 11>I need to be able to look at it and

2430
02:08:01.399 --> 02:08:05.600
<v Speaker 11>call the insurer to make sure it is valid and

2431
02:08:05.760 --> 02:08:09.279
<v Speaker 11>it is correct. And they said, oh, that's no problem.

2432
02:08:09.680 --> 02:08:15.319
<v Speaker 11>So they forwarded me those two insurance. They did not however,

2433
02:08:15.479 --> 02:08:21.279
<v Speaker 11>they didn't cover from the driveway into the house. They

2434
02:08:21.479 --> 02:08:24.560
<v Speaker 11>all all of these delivered, not all of them. These

2435
02:08:24.680 --> 02:08:30.479
<v Speaker 11>two specific mattress companies, very large ones online said we

2436
02:08:30.760 --> 02:08:36.880
<v Speaker 11>use third party subcontractors to actually bring it into your home.

2437
02:08:37.399 --> 02:08:41.680
<v Speaker 11>We cover liability to the driveway. I said, well, that

2438
02:08:41.960 --> 02:08:42.720
<v Speaker 11>isn't what I had.

2439
02:08:42.960 --> 02:08:45.800
<v Speaker 6>But hold on, I'm getting I'm getting tied up here.

2440
02:08:46.159 --> 02:08:51.439
<v Speaker 6>When you ask for liability for deliveries, they said, we

2441
02:08:51.680 --> 02:08:53.880
<v Speaker 6>only have liability to your driveway.

2442
02:08:54.560 --> 02:08:59.520
<v Speaker 11>Well, so I was assuming that they took responsibility to

2443
02:08:59.680 --> 02:09:03.159
<v Speaker 11>deliver we're into my bedroom because I asked for a

2444
02:09:03.319 --> 02:09:06.720
<v Speaker 11>takeaway and delivery of the mattress into my house.

2445
02:09:07.239 --> 02:09:07.560
<v Speaker 7>Got it.

2446
02:09:08.239 --> 02:09:12.239
<v Speaker 11>I was told yes, that's not a problem. I said, okay,

2447
02:09:13.000 --> 02:09:16.800
<v Speaker 11>send me the proof of insurance. Okay, you're covered for that.

2448
02:09:17.680 --> 02:09:21.119
<v Speaker 11>And they did, and I said, okay, but it doesn't show.

2449
02:09:21.640 --> 02:09:24.640
<v Speaker 11>They said, here's I said, who's delivering it? They gave

2450
02:09:24.760 --> 02:09:27.840
<v Speaker 11>me the name of the delivery company, which was a

2451
02:09:28.079 --> 02:09:33.000
<v Speaker 11>subcontractor that they had asked to deliver it. I said, well,

2452
02:09:33.119 --> 02:09:38.680
<v Speaker 11>I don't see the subcontractor under your liability insurance. Oh well,

2453
02:09:38.760 --> 02:09:43.039
<v Speaker 11>we don't do that. They have to give you. I said, whoa, wha,

2454
02:09:43.119 --> 02:09:46.800
<v Speaker 11>wha Wait a minute, that's you. I contracted with you

2455
02:09:47.720 --> 02:09:51.880
<v Speaker 11>to bring the mattress into my house, and that you

2456
02:09:52.159 --> 02:09:56.199
<v Speaker 11>said that you would cover that. Your liability insurance covers that.

2457
02:09:56.840 --> 02:10:00.319
<v Speaker 11>Now you're telling me it doesn't. Now the point I'm

2458
02:10:00.399 --> 02:10:04.600
<v Speaker 11>making tom is I think the listeners need to understand

2459
02:10:04.760 --> 02:10:08.600
<v Speaker 11>that many of these folks that deliver things to your

2460
02:10:08.720 --> 02:10:14.680
<v Speaker 11>house are actually subcontractors from major manufacturers. For instance, By

2461
02:10:14.800 --> 02:10:19.199
<v Speaker 11>way of example, let's take Excel Roofing. I'm assuming that

2462
02:10:19.359 --> 02:10:24.399
<v Speaker 11>Excel Roofing doesn't use subcontractors to put roofs on the house.

2463
02:10:24.760 --> 02:10:26.479
<v Speaker 7>Yes they do, Yes they do.

2464
02:10:26.640 --> 02:10:32.600
<v Speaker 11>Subcontractors are covered under Excel's liability insurance or those subcontractors

2465
02:10:33.000 --> 02:10:40.239
<v Speaker 11>have liability insurance insurance themselves. Okay, so that's the same

2466
02:10:40.439 --> 02:10:44.960
<v Speaker 11>situation I encountered when I asked for these online mattresses.

2467
02:10:45.520 --> 02:10:51.640
<v Speaker 11>I was shocked. Most of those manufacturers only cover liability

2468
02:10:51.840 --> 02:10:52.880
<v Speaker 11>up to the driveway.

2469
02:10:53.359 --> 02:10:55.840
<v Speaker 6>I get it, I get it. But what liability would

2470
02:10:55.840 --> 02:10:57.600
<v Speaker 6>there be up to the driveway anyway?

2471
02:10:58.560 --> 02:11:02.159
<v Speaker 11>Well, there's no liability driveway. The liability is what damage

2472
02:11:02.199 --> 02:11:03.920
<v Speaker 11>they do to my house when right, So.

2473
02:11:04.479 --> 02:11:06.720
<v Speaker 7>What you're saying, I understand what you're saying.

2474
02:11:07.399 --> 02:11:10.119
<v Speaker 6>You're saying that when a third party delivers to your

2475
02:11:10.199 --> 02:11:16.560
<v Speaker 6>home that unless they're covered under the company's own insurance,

2476
02:11:16.640 --> 02:11:18.840
<v Speaker 6>they have to have their own unless they're covered under

2477
02:11:18.880 --> 02:11:22.199
<v Speaker 6>the manufacturers. I get what you're saying. So did you

2478
02:11:22.439 --> 02:11:25.640
<v Speaker 6>call the delivery company to see if they have liability.

2479
02:11:25.960 --> 02:11:28.840
<v Speaker 11>Yes, I did because I have a lot of artwork

2480
02:11:28.920 --> 02:11:29.399
<v Speaker 11>in my home.

2481
02:11:29.520 --> 02:11:32.359
<v Speaker 7>No, I get it, and did did the delivery company

2482
02:11:32.520 --> 02:11:33.359
<v Speaker 7>have liability?

2483
02:11:33.439 --> 02:11:38.760
<v Speaker 11>So if you damage something that you're covered. Both subcontractors

2484
02:11:38.800 --> 02:11:42.279
<v Speaker 11>said no, we're not, and we won't produce that. We've

2485
02:11:42.359 --> 02:11:45.760
<v Speaker 11>never had to we've done. Nobody's ever argued against that.

2486
02:11:45.880 --> 02:11:47.640
<v Speaker 7>Okay, so what you're saying.

2487
02:11:48.079 --> 02:11:51.239
<v Speaker 11>So I went back to the manufacturer and said, cancel

2488
02:11:51.319 --> 02:11:53.000
<v Speaker 11>the order. You told me.

2489
02:11:54.479 --> 02:11:54.800
<v Speaker 9>Stop.

2490
02:11:55.000 --> 02:11:58.159
<v Speaker 11>You told me what I bought was a delivery to

2491
02:11:58.319 --> 02:12:00.960
<v Speaker 11>my home that you provide I did for people to

2492
02:12:01.039 --> 02:12:04.079
<v Speaker 11>come get it and put it in. That onus is

2493
02:12:04.159 --> 02:12:04.479
<v Speaker 11>on you.

2494
02:12:09.840 --> 02:12:13.720
<v Speaker 6>So right now they I don't what are you going

2495
02:12:13.800 --> 02:12:16.800
<v Speaker 6>to do for any delivery because I doubt you're going

2496
02:12:16.880 --> 02:12:18.000
<v Speaker 6>to find many of.

2497
02:12:18.079 --> 02:12:21.319
<v Speaker 11>Them we do, whether it's somebody that's paying my house

2498
02:12:21.439 --> 02:12:24.159
<v Speaker 11>or a roofer. I'm going to ask to see that.

2499
02:12:24.600 --> 02:12:26.680
<v Speaker 11>I'm going to as I told them, I said, well,

2500
02:12:26.680 --> 02:12:30.079
<v Speaker 11>I'm canceling the order. They said, well. One of the

2501
02:12:30.119 --> 02:12:32.479
<v Speaker 11>mattress company said, well, we'll be happy to send you

2502
02:12:32.600 --> 02:12:35.640
<v Speaker 11>back the money for our service to take your to

2503
02:12:35.720 --> 02:12:38.840
<v Speaker 11>bring your mattress in and take it away. And I

2504
02:12:38.920 --> 02:12:42.920
<v Speaker 11>said no, no, no, you contracted to deliver the mattress

2505
02:12:43.319 --> 02:12:48.399
<v Speaker 11>to my bedroom. I said, I'm not paying for the mattress. Yes,

2506
02:12:48.560 --> 02:12:49.640
<v Speaker 11>you can take it away.

2507
02:12:50.399 --> 02:12:50.720
<v Speaker 13>I e.

2508
02:12:50.920 --> 02:12:54.000
<v Speaker 11>The two hundred dollars charge for the delivery into my

2509
02:12:54.239 --> 02:12:58.199
<v Speaker 11>house and the takeaway. But then you're going to charge me.

2510
02:12:58.600 --> 02:13:01.199
<v Speaker 11>I'm going to have to pay for the mats. They said,

2511
02:13:01.279 --> 02:13:04.359
<v Speaker 11>that's correct. I said, wrong answer. I'll cancel it on

2512
02:13:04.560 --> 02:13:08.439
<v Speaker 11>my credit card. That's not what you contract.

2513
02:13:08.560 --> 02:13:11.199
<v Speaker 7>You do understand your homeowners would cover them.

2514
02:13:11.199 --> 02:13:15.159
<v Speaker 11>Right well, I do understand that, but that's not the point.

2515
02:13:16.079 --> 02:13:18.840
<v Speaker 7>Okay, Well, then you live with your decision.

2516
02:13:20.079 --> 02:13:22.399
<v Speaker 11>That's when they contract to do something.

2517
02:13:22.800 --> 02:13:23.439
<v Speaker 7>I'm not saying.

2518
02:13:23.560 --> 02:13:26.119
<v Speaker 6>Listen, I understand what you're saying. When they contract to

2519
02:13:26.199 --> 02:13:30.279
<v Speaker 6>do something. They contracted to deliver to your bedroom. I

2520
02:13:30.439 --> 02:13:33.079
<v Speaker 6>get it if they didn't have the insurance you want.

2521
02:13:33.279 --> 02:13:37.119
<v Speaker 6>I also get your right to cancel. So everyone agrees, Right.

2522
02:13:37.840 --> 02:13:42.439
<v Speaker 11>Well, I accept that this is what you contractually obligated

2523
02:13:42.520 --> 02:13:46.760
<v Speaker 11>yourself to. If your delivery personnel are not able to

2524
02:13:46.880 --> 02:13:50.800
<v Speaker 11>provide that, and you tell me that you have provided that,

2525
02:13:51.000 --> 02:13:54.920
<v Speaker 11>you the manufacturer are telling me that they're covered, and

2526
02:13:55.079 --> 02:13:59.039
<v Speaker 11>I see your policy that isn't This is being disingenuous.

2527
02:13:59.640 --> 02:14:02.199
<v Speaker 7>But here's what I think. I think if you had

2528
02:14:03.359 --> 02:14:06.520
<v Speaker 7>if there ever was damages, it doesn't matter if they're

2529
02:14:06.520 --> 02:14:09.039
<v Speaker 7>insured or not, they would be liable. And if it

2530
02:14:09.239 --> 02:14:12.479
<v Speaker 7>was a lot, I think you could. I think you

2531
02:14:12.600 --> 02:14:14.039
<v Speaker 7>could go to the manufacturer.

2532
02:14:14.359 --> 02:14:18.399
<v Speaker 6>You never signed a separate contract with the delivery company,

2533
02:14:18.680 --> 02:14:23.760
<v Speaker 6>so I think even though they don't have insurance, hold on.

2534
02:14:24.319 --> 02:14:29.960
<v Speaker 7>Not having insurance does not take away liability.

2535
02:14:30.319 --> 02:14:36.319
<v Speaker 6>Okay, it doesn't take away liability, just like having insurance

2536
02:14:36.800 --> 02:14:38.520
<v Speaker 6>doesn't prove liability.

2537
02:14:38.920 --> 02:14:39.960
<v Speaker 7>We got more coming up.

2538
02:14:41.640 --> 02:14:44.880
<v Speaker 6>Go with a sure thing Denver's Best roofer Excel Roofing

2539
02:14:45.000 --> 02:14:47.600
<v Speaker 6>dot com. You don't pay a cent until you're content.

2540
02:14:51.000 --> 02:14:54.159
<v Speaker 6>Time for an insurance checkup free, no obligation. In comparison,

2541
02:14:54.319 --> 02:14:57.880
<v Speaker 6>call Compass Insurance paying too much your coverage at dozens

2542
02:14:57.880 --> 02:15:00.680
<v Speaker 6>of insurance companies find out now three three seven to

2543
02:15:00.720 --> 02:15:01.159
<v Speaker 6>seven to one.

2544
02:15:01.319 --> 02:15:01.560
<v Speaker 7>Help.

2545
02:15:01.720 --> 02:15:04.359
<v Speaker 6>You'll think you're his only customer when you choose Frank

2546
02:15:04.439 --> 02:15:06.840
<v Speaker 6>durand the real estate Man dot com to list your

2547
02:15:06.920 --> 02:15:10.039
<v Speaker 6>home with Remax Alliance three oh three nine two zero

2548
02:15:10.159 --> 02:15:17.600
<v Speaker 6>sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Okay,

2549
02:15:17.680 --> 02:15:22.079
<v Speaker 6>let's go right to Mike wink. Mike, Listen, why would

2550
02:15:22.640 --> 02:15:26.760
<v Speaker 6>this woman married a guy who had a bankruptcy discharged

2551
02:15:27.439 --> 02:15:33.199
<v Speaker 6>nine years ago? And just recently their joint bank account

2552
02:15:33.800 --> 02:15:37.199
<v Speaker 6>was frozen and they were told the bank told them

2553
02:15:37.239 --> 02:15:39.079
<v Speaker 6>on the phone it was due to their bankruptcy.

2554
02:15:39.479 --> 02:15:42.880
<v Speaker 7>Now, what's that? What could possibly come up that would

2555
02:15:43.000 --> 02:15:43.399
<v Speaker 7>cause that?

2556
02:15:44.840 --> 02:15:45.039
<v Speaker 13>Boy?

2557
02:15:46.159 --> 02:15:46.600
<v Speaker 11>I don't know.

2558
02:15:46.880 --> 02:15:48.720
<v Speaker 15>Nine years you said, yeah.

2559
02:15:48.600 --> 02:15:52.359
<v Speaker 6>Nine years ago it was discharged. She wasn't even married

2560
02:15:52.399 --> 02:15:58.239
<v Speaker 6>to him. Now their joint account, their joint count is

2561
02:15:58.439 --> 02:15:58.960
<v Speaker 6>locked up.

2562
02:16:00.039 --> 02:16:02.079
<v Speaker 7>Can can what does she do?

2563
02:16:03.159 --> 02:16:05.720
<v Speaker 13>I'm curious. I'll definitely jump on that and see if

2564
02:16:05.720 --> 02:16:05.880
<v Speaker 13>we can.

2565
02:16:05.960 --> 02:16:08.039
<v Speaker 6>Okay, here, here's what we're gonna do. I want to

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<v Speaker 6>get her back on in the morning so we don't

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<v Speaker 6>run out of time. Right now, Lara, we're gonna ask

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<v Speaker 6>Mike to look into this and just see why this

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<v Speaker 6>would happen. Meanwhile, Kaschina, you might want to give her

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<v Speaker 6>Mike's number right now. I'm Tom Martina. Don't forget three

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<v Speaker 6>zero three Martino