Speaker 1: Y'all ripped up news. You need advice, so.
Speaker 2: You don't have.
Speaker 3: Come running as fast.
Speaker 4: As we can.
Speaker 1: Shooter's gonna help come Man.
Speaker 5: Dix is the Troubleshooter Show. Now, Tom Martino, Hello.
Speaker 6: Tom Martino here, Welcome to the show.
Speaker 7: This hour brought to you by or this show Today.
Speaker 6: Buddy Mitchell simply Floorsinc. Dot Com, I should say, Buddy
Speaker 6: and Karen Mitchell. She's really the brains, and I gotta
Speaker 6: tell you it's a great place to go for floor coverings,
Speaker 6: Simply floor sink. We'll be talking to him, but we're
Speaker 6: gonna talk to our callers first. Now here's what happens.
Speaker 6: You call three h three Martino, you get right through.
Speaker 6: If we're not here, you leave a message. We'll get
Speaker 6: back to you. As David will attest to Jamie and Paul,
Speaker 6: they've all gotten called back, so we're gonna go to
Speaker 6: them first, and then you can call in also at
Speaker 6: three three.
Speaker 7: Seven one three talk.
Speaker 6: I hope in all of this madness, you know, we
Speaker 6: really do have a lot of crap going on. I've
Speaker 6: never seen people more upset and divided, and it's not
Speaker 6: just election years. I don't know what's going on and
Speaker 6: you know it's not my father talking, or my mother
Speaker 6: or my grandmother.
Speaker 7: It really is happening, man. People are just getting so
Speaker 7: pissed off.
Speaker 6: In fact, there's an article on marriages breaking up over
Speaker 6: political division.
Speaker 7: I don't know why we can't just get along? Right?
Speaker 7: Who said that? Anyway?
Speaker 6: By the way, and this has to do with disagreeing,
Speaker 6: you can no longer disagree. If you disagree, you're a hateful,
Speaker 6: disgusting person. And perpetrating most of that hate is the
Speaker 6: Digital Center against or the Center against digital hate. It's
Speaker 6: amazing the groups that are supposedly fighting hate create more
Speaker 6: division than anyone in the world.
Speaker 7: But I digress. Listen, this is not a political show.
Speaker 6: Although I have comments here and there is speaking of
Speaker 6: comments here and there and everywhere.
Speaker 7: Is a major Mark Major on of course I am
Speaker 7: major Mark Major. Okay, what do you have to say?
Speaker 8: Well, I'm glad Buddy Mitchell's in. Honestly, man, those guys
Speaker 8: do a knock up job. People that need flooring. I
Speaker 8: can't say it enough. He's been out to our house
Speaker 8: numerous time. He's done a lot of stuff, and he
Speaker 8: does a great job. And I love the fact that
Speaker 8: he comes to you I mean, he's got those three showrooms,
Speaker 8: but I like him when he comes out.
Speaker 6: Now, let's talk to David. Now, this is an interesting
Speaker 6: topic mold. In fact, I'm not sure mold is on
Speaker 6: the disclosure?
Speaker 9: Is it?
Speaker 7: Mark? Do you know if mold is on the UH
Speaker 7: seller's disclosure You've I don't know if it is.
Speaker 6: Actually, Let's ask Frank drand the real estate man if
Speaker 6: you could really quickly, and then we want to talk
Speaker 6: to Mark Schamansky about mold because he's an expert at mold.
Speaker 6: He has Genesis tootalexteriors dot Com by the way they
Speaker 6: do mold mitigation. Let's talk to first David and then meanwhile, Kachina,
Speaker 6: if you could try to give Frank Dranda real estate man,
Speaker 6: I'd like to ask him about it. David, what's going on?
Speaker 4: Okay?
Speaker 10: So this isn't after the fact situation.
Speaker 7: Sure, sure, what's going on?
Speaker 3: Okay?
Speaker 10: I had bought a mobile home and the seller must
Speaker 10: have actually known that there was number one, a previous fire.
Speaker 10: They have not remodeled. They fixed the mobile home, and
Speaker 10: they did it insufficiently, and there was actually leakage from
Speaker 10: the roof or whatever. There was mold in the walls,
Speaker 10: there was mold in the floor, and so when I
Speaker 10: bought it, I do not honestly believe that the lady disclosed.
Speaker 11: These these problems.
Speaker 7: Okay, hey may, I asked David, when did you buy it?
Speaker 10: Okay, this was in twenty twenty one, twenty twenty one.
Speaker 7: Now when did you discover all of this?
Speaker 10: Well, shortly after I bought it, I started trying to repair.
Speaker 6: I also want to get Brad O'Brien on O'Brien legal services,
Speaker 6: he does real estate law.
Speaker 7: I'll go ahead, keep going. Now, is this a deed?
Speaker 7: Is this a deed or a title?
Speaker 10: Well, it was, it was deeded to a piece of property.
Speaker 6: Here's what I'm asking. Is it on a private lot
Speaker 6: or is it in a mobile home park?
Speaker 10: No, it was on a private lot. And that's my
Speaker 10: question is what is the statue of limitations?
Speaker 7: Well, we have to find all this out. So here's
Speaker 7: what we're going to do.
Speaker 6: Hold on, we want Brad O'Brien, O'Brien legal service, is
Speaker 6: we want Frank Duran, the real estate man. And then
Speaker 6: we'll also talk to Mark Schamanski about mold. So you
Speaker 6: hang on, do not hang up. We're going to come
Speaker 6: back to you all right now, Paul says he was scammed.
Speaker 7: Out of eighteen grand. I'm sure. I don't know what
Speaker 7: that's about.
Speaker 12: Paul.
Speaker 7: What's going on? Are you there?
Speaker 3: Paul?
Speaker 13: I am here?
Speaker 7: How were you scammed? Sir? How were you scammed?
Speaker 14: In January of this year, I was approached by I
Speaker 14: live in Windsor, Colorado, and I was approached by a
Speaker 14: local Windsor businessman to invest the money with him to
Speaker 14: help him grow his business.
Speaker 7: And how much did you invest?
Speaker 9: Fifteen thousand?
Speaker 7: Now?
Speaker 13: Did you.
Speaker 7: Did you have anything in writing?
Speaker 13: I did?
Speaker 6: And what were you supposed to get for this fifteen grand?
Speaker 6: Were you getting ownership or what? Were you going to get?
Speaker 14: A six month loan to help him buy a piece
Speaker 14: of equipment for his business?
Speaker 11: That was so.
Speaker 7: It was a loan. It was not an investment. It
Speaker 7: was a loan. Is that right?
Speaker 13: That's correct?
Speaker 6: Okay, that's important. And you loan fifteen grand to the business.
Speaker 6: Now what did he also sign personally? Yes, you're sure
Speaker 6: of that.
Speaker 15: I am sure.
Speaker 14: In fact, the loan was to him for his business.
Speaker 6: Okay, okay, good Now what I want to know is
Speaker 6: what were the terms and conditions?
Speaker 7: It was a six month loan, a.
Speaker 14: Six month loan with interest and light cheese if the
Speaker 14: payments were not made on time and so.
Speaker 7: And what happened? Okay, and what happened? What went wrong?
Speaker 14: Well, no payments were ever made. I don't believe that
Speaker 14: the piece of equipment that he told me he wanted
Speaker 14: to purchase to help him grow his business was ever made.
Speaker 7: What equipment was that, sir? What equipment?
Speaker 14: Well, he's a he's a car detailer, and he wanted
Speaker 14: to expand his business to include something called vinyl wrap.
Speaker 7: How long was he in business?
Speaker 14: Oh, he's been in business for probably two to three years.
Speaker 14: And I've actually done business with him, and that's how
Speaker 14: we came in contact over this. I've had him detail
Speaker 14: some cars for me in the past.
Speaker 6: And okay, so hold on, So where does this stand
Speaker 6: right now? When did you loan that money? Six how
Speaker 6: long ago?
Speaker 15: In January? January?
Speaker 6: You said that? I'm sorry you said that? Okay, February
Speaker 6: March every man. Okay, So he's passed due. So what
Speaker 6: is he saying about it now?
Speaker 14: Well, it's just been a series of uses, he said. Well,
Speaker 14: they dropped the machine trying to load it into my car.
Speaker 6: So did you have a security agreement of any kind
Speaker 6: or any kind of collateral.
Speaker 13: I did not.
Speaker 7: So all you have now is the All you have
Speaker 7: now would be the ability to get a judgment that
Speaker 7: is correct.
Speaker 14: And what what I didn't know at the time. I'm
Speaker 14: a senior citizen. I'm eighty years old.
Speaker 7: Oh my goodness, Okay, principle okay, and.
Speaker 14: So my mo I guess you'd say is has always
Speaker 14: been to help people, you know, better their lives. This
Speaker 14: guy has six children.
Speaker 7: You're a very kind man.
Speaker 6: You know. I've actually done a lot of this kind
Speaker 6: of crap and been burned so many times. I can't
Speaker 6: even tell you, Honest to God, I don't know. I
Speaker 6: don't even I don't learn a lesson. I guess I've
Speaker 6: done a lot of different things. I mean, I'm not
Speaker 6: going to try to toot my horn right here, but
Speaker 6: I need to tell you that I'm always getting kicked
Speaker 6: in the face.
Speaker 7: Yeah.
Speaker 16: Well, yeah, you know.
Speaker 14: I just believed him, and I believed in him, and
Speaker 14: that was by mistake.
Speaker 13: I guess.
Speaker 6: I think the only thing you can do right now, Paul, really,
Speaker 6: the only thing you can do, and Buddy, you can
Speaker 6: chime in. You're a businessman, a practical thinker. In fact,
Speaker 6: I want to include you in more than just floor calls.
Speaker 7: But you do have a very logical mind. I'm thinking
Speaker 7: this guy his main deal is a judgment. That's what
Speaker 7: I'm thinking. It's a judgment. Yeah, that's it. That's all
Speaker 7: he can do.
Speaker 17: That's what Yeah, swim and small claims court.
Speaker 6: Get a judgment, Well, if it's fifteen grand, it'll have
Speaker 6: to be county court. But if you get a judgment,
Speaker 6: then you can start attaching stuff that he owns, vehicles,
Speaker 6: real estate, anything.
Speaker 7: Does he own anything?
Speaker 14: That's what I don't know. And what I've found out
Speaker 14: since is that he declared bankruptcy and two twenty one?
Speaker 6: But did he It doesn't matter. Now that's good news.
Speaker 6: Do you know why it's good news?
Speaker 7: Buddy?
Speaker 17: He can't do it again.
Speaker 6: He can't do it again. Did he do it? Chapter seven?
Speaker 15: I don't know?
Speaker 6: Okay, Well that's good. Guess what it's before your bill,
Speaker 6: not after. He can't go bankrupt. If you get a judgment,
Speaker 6: this guy's going to be in a world of hurt.
Speaker 7: Yeah.
Speaker 14: And so what I've come to find out is that
Speaker 14: for me to pursue this legally, then I have to
Speaker 14: hire a lawyer spend more money to try to.
Speaker 6: Well, it's going to take something unless you County court
Speaker 6: doesn't necessarily need an attorney for this. You can go
Speaker 6: to county court. I forget the limit of county court
Speaker 6: right now? The maximum seventy five hundred small claims court. Okay,
Speaker 6: so you could go for small claims court.
Speaker 7: I don't know, man, what do you think you don't
Speaker 7: want to do that?
Speaker 14: Well, you mean try to recover at least part of
Speaker 14: my money?
Speaker 18: Yeah?
Speaker 13: Is that?
Speaker 7: Well?
Speaker 19: No?
Speaker 6: Or go to county court like county court, Frank, I'm
Speaker 6: looking up county court right now.
Speaker 7: The maximum is twenty.
Speaker 6: Five thousand dollars in county courts in Colorado. It was
Speaker 6: increased in twenty nineteen from fifteen to twenty five. So
Speaker 6: seventy five hundred is small mark. Seventy five hundred still
Speaker 6: small claims right?
Speaker 7: Or did it go out as of this second? I believe? So?
Speaker 6: Oh oh, you believe it's seventy okay, but twenty five
Speaker 6: thousand it would be county court. Listen, County court is
Speaker 6: not an insurmountable task unless he lawyers up. But if
Speaker 6: he doesn't, you can just you can just write out
Speaker 6: a complaint, have him served, go to county court, show
Speaker 6: the agreement, show the default, get a judgment. He likely
Speaker 6: won't even show up. I mean I would take a
Speaker 6: shot at it.
Speaker 7: Yeah, why not.
Speaker 14: Probably that's probably my only course of action. His latest
Speaker 14: promise was that his mother was going to loan him
Speaker 14: fifteen thousand, but then her father died in Kansas since
Speaker 14: she had to go back for a funeral, and then
Speaker 14: she was supposed to pay me when she got back
Speaker 14: from the funeral, And of course that never happened.
Speaker 7: It's just been Now remember this.
Speaker 6: If he lawyers up, you're going to have a problem.
Speaker 6: But you can file.
Speaker 7: Here's what you do.
Speaker 6: You have to represent yourself. That's called pro se. So
Speaker 6: you prepare the documents. They're online, the required forms. You
Speaker 6: go to the Colorado Judicial Branch website. Okay, I'll try
Speaker 6: to find that url for you. It's Colorado Judicial dot gov. Okay,
Speaker 6: all of the forms are there. Did you get that
Speaker 6: Colorado Judicial dot gov. You go to the self help forms.
Speaker 6: Go to the self help forms. File your case. You
Speaker 6: can do it. E filing, you can do it. If
Speaker 6: you register as an e filer, then you serve the defendant,
Speaker 6: not you. Personally, but you have somebody serve him and
Speaker 6: then you go to the hearing. If you tell your
Speaker 6: story unless he lawyers up, you don't need one.
Speaker 7: Now why do I say you need one?
Speaker 6: If he lawyers up, Mark, tell him why even if
Speaker 6: he's right telling me, because he'll.
Speaker 8: Get out and maneuvered and can lose his ass and
Speaker 8: end up paying the other person's attorney's fees.
Speaker 7: With the rules of civil procedure.
Speaker 6: But I would try pro say first, and I really would,
Speaker 6: And I want you to call me back, and.
Speaker 7: I want you I'm not putting you off. I want
Speaker 7: you to do this.
Speaker 6: If you have any trouble with any part of it,
Speaker 6: you call literally three to zero three Martino. Tom, this
Speaker 6: is Paul, the eighty year old man. I'm having trouble
Speaker 6: with this. Fore or I'm having trouble with this, We
Speaker 6: will get back to you. I'm Tom Martino. We have
Speaker 6: more coming right up. Go with a sure thing Denver's
Speaker 6: best rufer Excel roofing dot com. You don't pay a
Speaker 6: cent until you're content. Time for an insurance check up
Speaker 6: free no obligation. In comparison, call Compass Insurance paying too
Speaker 6: much your coverage at dozens of insurance companies find out
Speaker 6: now three oh three seven seven to one.
Speaker 7: Help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three all three nine two zero
Speaker 6: sixteen twenty two. Hi, Tom Martino, your trouble shooter three
Speaker 6: O three seven one three talk three oh three seven
Speaker 6: one three eight two five five.
Speaker 7: Okay, So I want to.
Speaker 6: Uh go back to David. Hey, Frank durand the real
Speaker 6: estate Man. I want to ask quick question.
Speaker 7: Is mold part of a disclosure?
Speaker 16: Good morning Tom. The answer is yes. Here's the thing.
Speaker 16: Two things on that on the seller's property disclosure item
Speaker 16: too moisture, under water, you would disclose there. But here's
Speaker 16: the second part of it. There's a portion where the
Speaker 16: buyer signs where it says the buyer should also have
Speaker 16: the property tested for a number of things, including the
Speaker 16: presence of mold or biological hazards. So that's on there
Speaker 16: a couple of times where they have that opportunity.
Speaker 7: Now, what do you think?
Speaker 6: First of all, is a mobile home on a private lot?
Speaker 7: Is that considered real estate?
Speaker 16: So Tom, here's the deal. If they own the land
Speaker 16: and it's purged to the land, we can sell it
Speaker 16: as real estate if it's if they're renting the lot.
Speaker 16: The answers, no, it would be sold kind of like
Speaker 16: a car.
Speaker 6: Okay, But in this case, it was on a lot
Speaker 6: owned by the Let me get that straight, David, you
Speaker 6: did buy both.
Speaker 7: The lot and the mobile home. Is that right? David? Did?
Speaker 7: He's okay?
Speaker 6: And David, David, do you so you have a mobile
Speaker 6: home on a lot and you bought both and you
Speaker 6: did a disclosure statement?
Speaker 20: Uh?
Speaker 10: Well, I yes, I believe I did, but I did
Speaker 10: not have an inspection.
Speaker 6: Okay, But hold on, here's the next thing I want
Speaker 6: to ask. This was due to water damage?
Speaker 10: You said, Well, yes, I believe so, but I don't
Speaker 10: know that for a fact.
Speaker 7: You said there was a previous fire. How do you
Speaker 7: know that.
Speaker 10: Because of the evidence. When I actually tore it down,
Speaker 10: you could see that that there was.
Speaker 21: That there was burnt wood.
Speaker 6: That was when you tear You didn't tear the whole
Speaker 6: mobile home down, did you.
Speaker 3: Oh?
Speaker 21: Yes, sir?
Speaker 6: So what are you calling about now? I guess I
Speaker 6: guess there's what are you calling about?
Speaker 7: Now? Your evidence is gone?
Speaker 2: Well?
Speaker 10: Correct?
Speaker 21: Correct?
Speaker 10: So well, about the statue of limitation.
Speaker 6: Well, what difference does it make if you sued right now?
Speaker 6: If you sued right now on non disclosure of issues,
Speaker 6: there's no remedy, no remediation, no way to go back
Speaker 6: and fight, no way to defend themselves.
Speaker 7: What would it matter? You destroyed your evidence?
Speaker 10: Well, correct, and that's you.
Speaker 6: Destroyed everything, David. You tore the damn house down? Is
Speaker 6: did you carry away the debris?
Speaker 3: Yes?
Speaker 1: Oh?
Speaker 15: Bro?
Speaker 6: What do you got a lot? Now you have a lot?
Speaker 6: What did you pay for this whole thing?
Speaker 22: Too much?
Speaker 15: Too much?
Speaker 21: Come on two and ninety five?
Speaker 6: What kind of what size lot?
Speaker 10: One point two acres?
Speaker 6: Okay, listen, what are what would one point two acres
Speaker 6: go for in and of itself?
Speaker 10: Oh, like than one hundred thousand or something?
Speaker 6: Okay, Well, David, seriously, there's no reason for us to
Speaker 6: go on. I mean, you tore down the damn house
Speaker 6: and carried it away, even if you were within the statute.
Speaker 6: But Frank, do you think isn't it like three years
Speaker 6: for uh, non disclosure issues on a home?
Speaker 7: I don't know. I don't know for sure, do you, Frank?
Speaker 4: You know, Tom?
Speaker 16: I don't know that there's even a cap on that.
Speaker 16: I think that that can go on forever.
Speaker 7: I mean with real estate, I don't know if it
Speaker 7: can go on forever.
Speaker 6: I think there's there's a certain amount, there's a certain
Speaker 6: statute a little bit.
Speaker 16: I don't know if there's an actual cap on that, Tom,
Speaker 16: I can find out. I just don't know.
Speaker 7: Yeah, yeah, yeah, yeah.
Speaker 6: But but here's the bottom line. It doesn't matter. It
Speaker 6: really doesn't matter at this point. I mean, you can't
Speaker 6: do anything. You know, I don't even know why we're talking.
Speaker 6: I mean, I would love to be able to help you.
Speaker 6: But first of all, Frank, would they if it was
Speaker 6: flooded or fire or previous damage?
Speaker 7: Do they have to disclose any of that?
Speaker 16: Yes, any information like that would be considered a versus
Speaker 16: material fact, Tom, So they would.
Speaker 6: Disclose that, okay if okay, all right, fine, and here's
Speaker 6: the deal that would have happened. I think at this point,
Speaker 6: I'm going to be straight with you, David. I think
Speaker 6: you'd waste money going to an attorney.
Speaker 13: Yeah.
Speaker 7: I don't even know how.
Speaker 6: I mean, how would you even do it? I I
Speaker 6: unless you know, I'd love to talk to our real
Speaker 6: estate attorney when we get a chance, too, And then
Speaker 6: I want to go now back to Mark Schamansky real quick.
Speaker 6: Thank you, Frank Duranda real estate man dot com. By
Speaker 6: the way, if you need an analysis of your property
Speaker 6: free of charge, what it will sell for, what you'll net,
Speaker 6: what you can buy. He looks at the entire market
Speaker 6: right now with interest rates and everything, and he truly
Speaker 6: gives you a pretty accurate assessment of what you can
Speaker 6: sell your house for. It's not an appraisal, it's a
Speaker 6: market price based on his experience. Three h three nine
Speaker 6: two zero sixteen twenty two. Let's talk to Mark Schamansky,
Speaker 6: Genesis tootalexteriors dot com. He also does mold remediation mold eradication.
Speaker 6: If there was a mobile home and there was mold,
Speaker 6: can you remove mold from a mobile home? Or does
Speaker 6: it get sometimes marked so ridiculous it may not be
Speaker 6: worth saving. And I don't know if I hope I'm
Speaker 6: asking a logical question.
Speaker 3: Well, I think it just depends on the value of
Speaker 3: the home. Like you said, I mean, if it's something
Speaker 3: not of much value, then probably not worth it. I
Speaker 3: guess if it's a brand new one or a newer
Speaker 3: one that you know you can take apart and clean.
Speaker 3: That would be an ideal situation or.
Speaker 7: Like a modular maleally different.
Speaker 6: What's normally involved in remediating mold?
Speaker 3: Mark basically be able to get to it and remove
Speaker 3: any can you know, remove it any contaminated material that
Speaker 3: you can remove, and then treat the ones that you
Speaker 3: can't remove, uh.
Speaker 6: With you know, special chemicals that that's what it's made for,
Speaker 6: and then you seal it and go on.
Speaker 16: That's right, That is correct, okay.
Speaker 6: And of all the calls you get on mold, what
Speaker 6: percentage is dangerous mold? I mean it all, it all
Speaker 6: wants to be stopped, obviously, right, and you want to get.
Speaker 1: Rid of it.
Speaker 7: We have go ahead.
Speaker 3: Most mold we have here in Colorado's black mold, and
Speaker 3: there's two hundred different species of black mold, and so
Speaker 3: you got to watch for the ones that are dangerous
Speaker 3: and to see it. That's the one you have.
Speaker 6: Okay, But of course you want to get rid of it,
Speaker 6: even if it's not so called toxic. But but for sensitivities.
Speaker 6: But uh, there's different levels for different things. Mark, thank
Speaker 6: you very much, Genesis tootalexteriors dot com.
Speaker 7: Uh, when we.
Speaker 6: Get a chance, I'd like to ask the statutal limitations
Speaker 6: for disclosure issues on real estate from Brad O'Brien O'Brien
Speaker 6: Legal Services. Uh, we have more coming up. I have
Speaker 6: Buddy Mitchell with us from Simplyfloorsinc. Dot com and eight
Speaker 6: eight eight heating dot com. Right now, we'll take a
Speaker 6: look at your ac your furnace going into fall, whatever
Speaker 6: you need. You can depend on them for honest assessments
Speaker 6: of what you have and free second opinions always eight
Speaker 6: eight eight Heating dot com three oh three seven seven
Speaker 6: zero two seven seven six Go with a sure thing
Speaker 6: Denver's best roofer Excel Roofing dot com.
Speaker 7: You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free no obligation comparison
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: seven to one help. You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
Speaker 6: com to list your home with Remax Alliance three oh
Speaker 6: three nine two zero sixteen twenty two. All right, Tom
Speaker 6: Martinez here the statute of limitations for non disclosure is
Speaker 6: three years from discovery. But the absolute statute of limitations,
Speaker 6: meaning a statute of repose where you cannot bring a suit,
Speaker 6: is six years for non disclosure, So you have three
Speaker 6: years from discovery. But if you discover it four years later,
Speaker 6: then it occurred the closing, you only have two years left,
Speaker 6: so it's three years or a total of six years.
Speaker 7: Now, I want to talk to inmate Sean. Sean.
Speaker 6: I want to get right to you, because I know
Speaker 6: it's not easy for you, probably calling on the phone.
Speaker 7: Go ahead, sir, Yes, I'm.
Speaker 20: Here, mister Martino.
Speaker 15: How are you just warning?
Speaker 7: Good? Now? Are you right now in jail or in prison?
Speaker 20: I'm in prison.
Speaker 7: So you've already been convicted and sentenced, yes, sir? And
Speaker 7: what is your one viction here? What's that, sir?
Speaker 20: My conviction? I'm on my sixteenth year at prison.
Speaker 7: Oh my god. What were you convicted of?
Speaker 13: Sir?
Speaker 20: Yes, I was convicted of conspiracy to commit murder after
Speaker 20: deliberation and murder after deliberation. It's off to saying victim.
Speaker 20: And the problem with this case is I'm unequivocally innocent.
Speaker 15: But the issue here is the government railroaded me.
Speaker 23: From this start, starting with the Humphrey.
Speaker 15: Here about him, David Glackpool.
Speaker 6: Now, hold on, Sean, You're you're fading in and out,
Speaker 6: so I want to make sure I hear you.
Speaker 7: You say you were railroaded.
Speaker 6: Now, by the way, Sean, it actually is not unheard
Speaker 6: of for this to happen, So I'm not going to
Speaker 6: say it's in poss but a lot of people say,
Speaker 6: of course they were wrongly convicted.
Speaker 7: So let's just go to the main points.
Speaker 20: Go ahead, Okay, Well, in this case, the only witness
Speaker 20: to this murder had already told the prosecutor and the
Speaker 20: lead detective that I was innocent of this crime.
Speaker 6: Who told the investigator told them the.
Speaker 2: Only eyewitness to this crime to this?
Speaker 7: Okay, here's what I want to know. Tell me about
Speaker 7: the crime.
Speaker 6: First, someone who was murdered, and someone murdered someone.
Speaker 7: But were you accused? You were not accused of being
Speaker 7: the actual murderer. Yes, I was.
Speaker 20: I was accused of being the actual murderer.
Speaker 7: Okay.
Speaker 20: There was a home invasion that took place on to
Speaker 20: Shepherd six two thousand and six. Uh to a Sailor's Editor.
Speaker 20: Home Wan did a sailor's take the victim us side
Speaker 20: and executed the victim and.
Speaker 1: You you were.
Speaker 6: Okay, so hold on, so they said you were that
Speaker 6: guy that took the victim outside and killed them?
Speaker 2: Correct?
Speaker 15: Correct?
Speaker 13: Exactly?
Speaker 7: Now had you before this? And hold on? When did this?
Speaker 7: Suppose when did this happen?
Speaker 17: I mean.
Speaker 15: Dember six, two thousand and six.
Speaker 6: Okay, Now what I want to know is this, were
Speaker 6: you in two thousand and six prior to that?
Speaker 7: Did you have a criminal record?
Speaker 13: H Yes? I did?
Speaker 9: Yes, I did.
Speaker 20: I did have a criminal record for possession of marijuana.
Speaker 2: That was the only pride that I had ever had before.
Speaker 7: That's it. You were not. You had no record before that.
Speaker 7: Now how were you round? Now?
Speaker 6: Let me let me just ask you some questions. Were
Speaker 6: you part of that robbery?
Speaker 7: Sean?
Speaker 23: No, I was not.
Speaker 20: I absolutely was not.
Speaker 9: I was unequivocally.
Speaker 20: I'm unequivocally innocent.
Speaker 7: Where were you, Sean? Where? Sean? Where were you at
Speaker 7: the time.
Speaker 23: At that time?
Speaker 2: I listen in Colorado a lot?
Speaker 15: I lived here.
Speaker 6: But why were you rounded up? Here's what I want
Speaker 6: to know. How were you arrested for this robbery?
Speaker 2: I was arrested for this crime based upon third party
Speaker 2: years sake, but that of the evidence that makes me
Speaker 2: innocent of prosecutors and the lead detective overlooked it. They
Speaker 2: had They got interviewed the Holy Eye witness to this
Speaker 2: murder a year before I got indicted, and he told
Speaker 2: him he's saying the silent at the And how.
Speaker 6: Many years were you saying? How many years were you
Speaker 6: sentenced to?
Speaker 7: Sean?
Speaker 2: I was saying, as the life without barun was forty
Speaker 2: eight years?
Speaker 13: Wow?
Speaker 6: And and have you been trying to appeal it?
Speaker 2: Yes, sir, Yes, sir, I have been to not fail.
Speaker 2: The courts have the corstops in my favorite that this
Speaker 2: was an exculatory Brady violation. Hey, you talk to a
Speaker 2: lot of lawyers, They'll kill you.
Speaker 3: Now.
Speaker 7: Do you have currently hold on?
Speaker 6: Do you have Are you working with anyone on any
Speaker 6: of the innocent projects or anything?
Speaker 7: Are you working with anyone right now?
Speaker 23: I'm not.
Speaker 2: I do have a lawyer. I'm in my pstviction.
Speaker 20: Proceedings in the district court on this matter.
Speaker 6: Okay, Sean, here's what here's what we need to do.
Speaker 6: I want you to listen. Is there how do you
Speaker 6: communicate with people? I can't just call you right.
Speaker 2: You actually can't because we've got these top lists now
Speaker 2: and you can't download the Secures app and call me.
Speaker 6: So if you if you hold on, if you gave
Speaker 6: a phone number, I would be able to call you.
Speaker 2: It was more of an app. It's like an app
Speaker 2: that you tell load and you call this tablet and
Speaker 2: they'll they'll let you call me, just like a sillhol
Speaker 2: But I.
Speaker 7: But are there certain hours I can call you? Yeah?
Speaker 2: I think until twelve midnight.
Speaker 6: Okay, listen, Sean, do me a favor. I need you
Speaker 6: to leave the I need you to leave information about
Speaker 6: that app. I also need you to leave. I also
Speaker 6: need you to leave an address where I can write
Speaker 6: to you or do you get email.
Speaker 20: I'm gonna start at the email yet, but I don't
Speaker 20: have an ass.
Speaker 7: With your Okay, I want you to leave. Listen. I
Speaker 7: want you to leave and.
Speaker 13: Go ahead my actual.
Speaker 6: Okay, Sean, if that's true, I'm gonna I'm gonna hear
Speaker 6: you out.
Speaker 7: We just can't do it on this one phone call.
Speaker 6: So please, I'm gonna put you on I'm gonna put
Speaker 6: you on hold and Katchina.
Speaker 7: I need every.
Speaker 6: Which way I can to get a hold of him
Speaker 6: and the name and number of his attorney. Please do
Speaker 6: that now. If this man listen, I know everyone in
Speaker 6: the world, especially my YouTube morons, they're rolling their eyes
Speaker 6: right now, blah blah blah.
Speaker 7: But here's what I say.
Speaker 6: All I'm going to invest is a little time and
Speaker 6: energy to look into this. If there is someone sitting
Speaker 6: in jail, truly, truly, who is innocent, it wouldn't be
Speaker 6: the first time. I'm not saying he is, but what
Speaker 6: the hell on the chance he could be, Maybe I'll
Speaker 6: look into it. How about that. I don't want him
Speaker 6: to waste this phone call. I will at least look
Speaker 6: into where he has at. I mean, we've heard. I
Speaker 6: met a man one time convicted of a murder on
Speaker 6: death row and I got involved in this case and
Speaker 6: I interviewed him when he got out. Now, I was
Speaker 6: not the reason he got out. There was a project
Speaker 6: that was working on it. And my god, was this
Speaker 6: story chilling the way police did not present all the evidence,
Speaker 6: and then the prosecutor did not produce all the evidence.
Speaker 6: And on top of that, someone else was found and
Speaker 6: their dental records confirmed it was them dental records because
Speaker 6: there were bites involved.
Speaker 7: It is. It was a chilling story. I Stephanie and
Speaker 7: I did.
Speaker 6: The story and it's published somewhere online still but listen
Speaker 6: it happens.
Speaker 18: So are you going to contact his it TONI Toms.
Speaker 7: Yeah, of course I am.
Speaker 6: Okay, and then I just need to get this information.
Speaker 7: Like I said, who knows it's not unheard of?
Speaker 6: Now that's a I mean to be sentenced to life
Speaker 6: plus forty eight years without parole. I mean, you know
Speaker 6: you would hope that they had evidence of this egregious crime.
Speaker 6: I'm Tom Martino Moore coming up. Go with a sure
Speaker 6: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 6: pay a cent until you're content. Time for an insurance
Speaker 6: check up free, no obligation. In comparison, call Compass Insurance
Speaker 6: paying too much your coverage at dozens of insurance companies
Speaker 6: find out now three oh three seven to seven to
Speaker 6: one help. You'll think you're his only customer when you
Speaker 6: choose Frank durand the real estate Man dot com to
Speaker 6: list your home with Remax Alliance three oh three nine
Speaker 6: two zero sixteen twenty two. Hi Tom Martino, you're a
Speaker 6: troubleshooter three all three seven one three talks seven one
Speaker 6: three eight two five five. Okay, So Jamie has a
Speaker 6: question or has an issue with an arborius. Jamie, were
Speaker 6: you having a tree removed or trimmed or what's going on?
Speaker 7: Jamie?
Speaker 24: Well you good morning. By the way, Yes, thank you
Speaker 24: for taking the time to take my calf.
Speaker 6: And if and if we do run out of time,
Speaker 6: I just want you to hang. So what's start out
Speaker 6: the problem?
Speaker 24: Okay? Well, I needed an arborist, and I called a
Speaker 24: friend and you know, asked a couple of people.
Speaker 9: For a referral.
Speaker 24: So I got this referral and when I called them,
Speaker 24: they came out the same day to give me an
Speaker 24: estimate or an appraisal, and I was like, fantastic. And
Speaker 24: what's the name of the arborist, Mendez tree Removal.
Speaker 6: Okay, you know, we had a big complaint about them before,
Speaker 6: a bad They did a terrible job. They didn't they
Speaker 6: left a bunch of crap and anyway, what happened.
Speaker 24: Yeah, they I mean, they could have done a better
Speaker 24: clean up. However, So I guess the uniqueness of my situation.
Speaker 23: Is the house I live in was owned by my.
Speaker 24: Grandmother, So I've withs in this neighborhood for quite some
Speaker 24: time and the lady next door I've basically grown up
Speaker 24: with and she turned ninety on July twenty six, So
Speaker 24: I as a county already has lanes against her property
Speaker 24: because she's had different trees that are overgrown.
Speaker 4: And fell over.
Speaker 6: Okay, hold on one sec hey, Shannon, Shannon, we're out
Speaker 6: of forty four right, yeah, Okay, the music is coming,
Speaker 6: So Jamie, I don't want to rush you. Here's what
Speaker 6: I need to ask, and we'll take you up right
Speaker 6: after the news.
Speaker 7: Did you hire them to trim or to remove?
Speaker 24: I hired them to remove a stump and trim trees
Speaker 24: in my property and also my neighbor that's ninety.
Speaker 6: Hey, hold on and we'll come right back to you.
Speaker 6: Go with a sure thing Denver's best roofer Excel Roofing.
Speaker 7: You don't pay a cent until you're content.
Speaker 6: Three time for an insurance check up free, no obligation
Speaker 6: comparison call Compass Insurance. Pay too much your coverage at
Speaker 6: dozens of insurance companies find out now three oh three
Speaker 6: seven seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: oh three nine two zero sixteen twenty two.
Speaker 1: Ripped news you needed, that's who you don't have. Come
Speaker 1: run anxious as fast as we can. Shooter's gonna help.
Speaker 5: Come six is the Troubleshooter Show. No Tom Martino, Hey Tom.
Speaker 7: Martino here, Welcome to the show.
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Speaker 6: is a whole circular theme here.
Speaker 7: We got that wonderful water pros water waterpros dot and
Speaker 7: then we have.
Speaker 6: That softened energized water and that is used for zero
Speaker 6: resid Then I have Buddy here for carpeting, and Buddy,
Speaker 6: you say, when it comes to carpeting, you.
Speaker 7: People don't understand this.
Speaker 6: The warranty on a carpet is contingent on you doing cleaning.
Speaker 17: Right, Yeah, you have to hot water do hot water cleaning.
Speaker 17: So carpet when it wears out, it blooms like a flower. Right,
Speaker 17: So the twisted like a cuppile carpet, Yeah, is twisted,
Speaker 17: and as you walk on it, the twist comes undone,
Speaker 17: and so hot water will twist.
Speaker 7: It back, will make the yarn remember it shape.
Speaker 17: So if you you know, so, if you walk on
Speaker 17: the carpet for five years and never clean it, and
Speaker 17: then you go to pit it with hot water, it'll
Speaker 17: remember a little bit of its shape. But if you
Speaker 17: can keep the bloom closed, if you could keep the
Speaker 17: young twisted. Yeah, And so that's why carpet cleaning is
Speaker 17: a requirement of the wear warranty on your.
Speaker 7: Carpet, and and you know all the other ways.
Speaker 6: And to me, again, I'm not trying to I'm not
Speaker 6: trying to push anything here, but I swear to God,
Speaker 6: once I tried that zero resk part put that water. See,
Speaker 6: I never realized that there's no odor at all when
Speaker 6: you have your carpets cleaned, when it's done properly, and
Speaker 6: your carpets aren't really that wet. It doesn't require a
Speaker 6: lot of doesn't require a lot of water, and it.
Speaker 7: Was just great.
Speaker 6: So anyway, it's funny how all these things work together.
Speaker 6: I mean, you have purified water, which is good for everything,
Speaker 6: softened water, and then you have a zero res using
Speaker 6: that you have also water pros using it for the
Speaker 6: water system.
Speaker 7: And then we have carpets that we want to last long.
Speaker 6: And again I think people are moving away from carpet.
Speaker 6: Somebody just wanted me to ask this. If you they
Speaker 6: wanted to know if you ask your friend buddy, if
Speaker 6: you were doing your home over, would you do.
Speaker 7: Carpet or would you do hardwood? What would you do?
Speaker 17: I did carpet in my bedrooms and hallways and hardwood
Speaker 17: on my main floor. Okay, I have a two story home.
Speaker 17: It's carpet upstairs. I love carpet. I have carpet in
Speaker 17: my basement, and then I have a really nice area
Speaker 17: rug okay in my living room.
Speaker 6: All right, now let's go to the phones again. Jamie
Speaker 6: said she hired an arborist, Mendez Tree Removal, to remove
Speaker 6: a stump.
Speaker 7: And trim trees for her and.
Speaker 6: Her neighbor and her ninety year old neighbor. Okay, so
Speaker 6: now continue your story.
Speaker 24: So they were supposed to come, that was the twenty
Speaker 24: second and they were. They came right out immediately. You know,
Speaker 24: the day I called to give me an appraise there,
Speaker 24: and the scheduled to come out two days later on
Speaker 24: the twenty fourth. However, on the twenty fourth, the truck
Speaker 24: load of the owner and because the owner had set
Speaker 24: someone else out for an appraisal and everything seemed to
Speaker 24: be you know, professional and running, you know. Anyways, the
Speaker 24: owner was there with his wife and a couple of
Speaker 24: other people and someone you know, I guess the crew
Speaker 24: job oversight, you know whatever.
Speaker 6: Guy.
Speaker 24: His wife was having a baby. So they asked if
Speaker 24: they could reschedule till the next day for my trees,
Speaker 24: and I said absolutely, good luck with the baby. But
Speaker 24: at that time I also walked to property with the
Speaker 24: owner and said I practiced started to eden, you know, gardening,
Speaker 24: and this is the scope of our agreement. You know,
Speaker 24: I'd like to have like the larger logs.
Speaker 7: Now you me at this point though, at this point
Speaker 7: you hadn't paid.
Speaker 24: Anything, right, No, yeah, at this point I hadn't paid anything.
Speaker 7: Why didn't you just okay, So, so did the job
Speaker 7: ever get done?
Speaker 24: So they did most of the job, and I had
Speaker 24: we had like an agreement for scope and everything, and
Speaker 24: they did most of the job. And during that day,
Speaker 24: like I have a friend, so she is going to
Speaker 24: write a statement or if you need be for yeah, a,
Speaker 24: you know, like a.
Speaker 6: But what I need to know is what is the
Speaker 6: complaint They did most.
Speaker 25: Of they didn't cut it.
Speaker 24: They didn't trim things to scope. My concern with my
Speaker 24: neighbor is she has trees that were growing into her house.
Speaker 24: And I had said, I can't afford to cut her
Speaker 24: whole property, but please give me an estimate for cutting
Speaker 24: the trees away from her house that they're not growing
Speaker 24: into her house. And there was we walked around the
Speaker 24: property and we had talked about the scope and like,
Speaker 24: you know, just well we come back.
Speaker 7: Okay, an easy question.
Speaker 6: At least it doesn't sound like they ripped you off
Speaker 6: because they didn't.
Speaker 26: They didn't.
Speaker 24: They didn't cut it to scope.
Speaker 10: And then I had asked, so I get it, Well
Speaker 10: they come back, and will they come back and correct it?
Speaker 24: That's what I have been asking for them for the
Speaker 24: last three weeks. And I would also like a receipt
Speaker 24: for payment, and they have not provided me with a receipt.
Speaker 7: And how did you pay? How did you pay? Well,
Speaker 7: that's wrong, that's wrong, and I have a witness.
Speaker 6: Okay, here's the problem. Unless you get the receipt at
Speaker 6: the same time. You can kiss that goodbye if he
Speaker 6: ever wants to contest it.
Speaker 24: What about writing a ten ninety nine to the irs?
Speaker 7: Well, you can do that all you want. You can
Speaker 7: do that all you want. I mean, how much was
Speaker 7: the job?
Speaker 24: I have text receipts to show through.
Speaker 7: Che Oh good, So he texted you he texted your receipt.
Speaker 24: No not, I have. I have my screenshots of my
Speaker 24: text messages saying that I you know that the exchange
Speaker 24: made and asking for the estimate. So it's all through
Speaker 24: text messages.
Speaker 6: And how much did you pay completely for twenty four hundred? Okay,
Speaker 6: Now this guy will not come out and finish. Is
Speaker 6: that what you're saying?
Speaker 24: Yeah, and he's two times he has said he will
Speaker 24: come out and do it. I'll send my guys out
Speaker 24: today to do a good job, and then they don't show.
Speaker 6: Okay, let's just call and see we can make a difference.
Speaker 6: I don't know if we can. Let's try first the
Speaker 6: buzz deputy doc. Let's do that the friendly way first.
Speaker 22: Okay.
Speaker 24: He had his wife call me from her cleaning business
Speaker 24: number Saturday to say they'd be here Monday and my
Speaker 24: dad was visiting. I came back from Breckenridge early Monday
Speaker 24: so I could be here for them, and they didn't show.
Speaker 6: So I had a feeling if we call, we're gonna
Speaker 6: shake something loose. So hold on, Jamie, Doc, talk to Jamie.
Speaker 6: Let's get a number. Let's call real three seven one,
Speaker 6: three eight two five five.
Speaker 7: Bob, what's going on with State Farm? Alan?
Speaker 6: I haven't forgotten about you either. What's going on, Bob?
Speaker 7: Are you there? Bob? State Farm? Well? I I was okay,
Speaker 7: he must have dropped a Sorry Bob, I tried. Now
Speaker 7: there is a dock on the line, but not Deputy Doc.
Speaker 7: Is that right?
Speaker 9: Oh?
Speaker 7: No, I want to take Alan. Never mind, I want
Speaker 7: to take Alan. He's been waiting longer. Alan, go ahead.
Speaker 12: Yeah. I talked to you briefly yesterday, but yeah, the show.
Speaker 6: And toward the end of the show, you want to
Speaker 6: know about debt consolidation, and I said, debt consolidation is
Speaker 6: usually a ripoff when you get solicited for it.
Speaker 7: Tell me the terms and what you're calling about.
Speaker 2: So I have.
Speaker 12: Somewhere around sixty thousand and credit card debt due to
Speaker 12: a lot of legal fees and being unemployed.
Speaker 7: And what is your income?
Speaker 12: Well, right now it's zero. Well I make a little
Speaker 12: bit as a handyman, but I'm trying to find a
Speaker 12: new job.
Speaker 6: So the chances of you getting out of debt? Do
Speaker 6: you own anything at all?
Speaker 21: Yeah?
Speaker 12: Well, I have a lot of equity in my house.
Speaker 7: How much? How much?
Speaker 12: Probably five hundred thousand?
Speaker 6: Oh my god, Then you're not going to do a bankruptcy.
Speaker 6: You have five hundred thousand. What is your loan? What
Speaker 6: is your loan on that house?
Speaker 12: What's remaining is probably three hundred and fifty thousand, so that.
Speaker 6: You have an eight hundred and fifty thousand dollars house.
Speaker 6: Or more right, what part of town is that in?
Speaker 21: It's near loan Tree, Okay.
Speaker 6: And you're not exaggerating about the value of your home.
Speaker 12: No, and it could be higher than that.
Speaker 7: What is the interest rate on your current loan?
Speaker 12: Well, that's the kicker. It's two point seventy five.
Speaker 6: So but you listen, let's uh, you can get a
Speaker 6: second on that.
Speaker 12: I already have an elog so that's another debt.
Speaker 6: Well, you never even talked about that when I said, then.
Speaker 7: You don't have the equity. I mean, how much is
Speaker 7: your he lock.
Speaker 12: Okay, so yeah, you're right, elock what's left is probably
Speaker 12: seventy five thousand.
Speaker 6: So you have three hundred plus okay total debt against
Speaker 6: your house including the first and the helock?
Speaker 7: Is how much total.
Speaker 12: Debt grantedy four hundred pight something like that, So.
Speaker 7: Three hundred and fifty plus seventy yeah, okay, and the house.
Speaker 12: The house could be worth nine hund to it.
Speaker 7: No, I get it, I get it. So but but
Speaker 7: and what is the What is the rate on your
Speaker 7: he lock?
Speaker 20: It is like four?
Speaker 6: Okay, you're going to have to do this, keep your
Speaker 6: first in place.
Speaker 7: And pay off the heelock and get some extra.
Speaker 6: Money with a second, and your rate's gonna go up.
Speaker 6: But your blended rate's gonna go down because your credit
Speaker 6: card debt's gonna go away. Are you delinquent on your
Speaker 6: credit card debt?
Speaker 4: Not?
Speaker 12: Right now?
Speaker 6: Okay, here's another question that's really important, Alan, This is
Speaker 6: really important, man, I mean, do you have a way.
Speaker 6: I don't think you can borrow money on just equity
Speaker 6: because you don't have any income.
Speaker 7: Really, how old are you?
Speaker 12: Fifty six today?
Speaker 7: Fifty six? Happy birthday?
Speaker 6: Hold on, man, you have a bit of a problem
Speaker 6: in that you have a ton of equity, but you
Speaker 6: have no income.
Speaker 12: So that job and I possibly have a job coming
Speaker 12: in the next few weeks, so that could change.
Speaker 6: Yeah, but let's say this. You get a job in
Speaker 6: a few weeks, then you have to have a history
Speaker 6: and what kind of work will it be? What income
Speaker 6: will you have?
Speaker 12: I would probably be one hundred and sixty thousand.
Speaker 7: What kind of job.
Speaker 12: Project manager and oil and gas?
Speaker 7: So you know what the hell you're doing, is what
Speaker 7: you're saying, right, Alan?
Speaker 13: Yes?
Speaker 7: Good? How long you've been unemployed.
Speaker 12: For five months?
Speaker 6: That's March okay, So it's not like you're just okay,
Speaker 6: got it all right?
Speaker 7: Now?
Speaker 6: The legal fees are they still pending? Do you still
Speaker 6: have judgments or any problems?
Speaker 11: No?
Speaker 12: No, it's just been ongoing legal fees with fix White
Speaker 12: and that's created That's what created all my debt.
Speaker 7: But is that over right now?
Speaker 12: It's over for now. I need to spile emotion at
Speaker 12: some point, but I can wait on that.
Speaker 7: Is this okay? Hold on? Because this is really because
Speaker 7: there's a reason.
Speaker 6: I'm asking when it comes to borrowing money in something
Speaker 6: called less pendance. Hold on, I'm Tom Martine three h
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Speaker 6: when you choose Frank durand the real estate Man dot
Speaker 6: com to list your home with Remax Alliance three oh
Speaker 6: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 6: your troubleshooter three three seven one three Talk three oh
Speaker 6: three seven one three eight two five five. All right,
Speaker 6: let's talk and find out what's on your mind today.
Speaker 6: Alan's talking about debt consolidation, and there is a bit
Speaker 6: of a problem. He doesn't have income. He's not quite
Speaker 6: old enough for a reverse mortgage, although that would have
Speaker 6: been great for him. Actually, a reverse loan would have
Speaker 6: been perfect for him at this point, and he could
Speaker 6: always convert it back, but he's too young for that.
Speaker 6: And I think they do have some reverse loans that
Speaker 6: go younger, but I think they might be very expensive,
Speaker 6: and you can't get a second. He'd have to redo everything,
Speaker 6: and then he'd be paying much too much on a rate.
Speaker 6: So he has two loans on his house, a first
Speaker 6: and a second. The first is at a very low rate,
Speaker 6: like three percent or less. The second is in the fours.
Speaker 6: I believe he fives. It's a it's a helock. He'd
Speaker 6: have to pay off that helock. He should be he
Speaker 6: should easily qualify if he has income for a second,
Speaker 6: but not until he gets a job.
Speaker 7: So that's the dilemma we're facing right now, Allen.
Speaker 6: How imminent is your failure to make payments, Because once
Speaker 6: you don't make those payments, you're screwed.
Speaker 7: Because you're not going to be able to refi or that.
Speaker 12: Second yeah, on the mortgage and the helock.
Speaker 6: You mean, I want to know on everything, how imminent
Speaker 6: is your failure to pay.
Speaker 12: I could probably hold out another two to three months.
Speaker 7: And will you have income by then?
Speaker 12: I plan on it one way or another. It just
Speaker 12: may not be enough to make my monthly payments.
Speaker 6: No, no, no no unless you consolidate. So I think
Speaker 6: what we need to do is we need to get.
Speaker 7: An expert on.
Speaker 6: And we need to get an expert on regarding consolidation.
Speaker 7: I want to start with Ideal Home Loans and Brent Ivanson,
Speaker 7: So Kaschina, let's try to get brent On to talk
Speaker 7: about this and see what we can do.
Speaker 6: Three zho three seven to one to three talk allan,
Speaker 6: hang on, and then we'll make a couple calls. I
Speaker 6: want to ask them about the qualifications for a second
Speaker 6: and how long you'd have to wait, and what the
Speaker 6: rates might be doing with those seconds, because I'm almost
Speaker 6: sure you don't want to touch that first. That payment
Speaker 6: is very low and manageable. Buddy Mitchell is with us
Speaker 6: from simply floors Ink. As you'll see if you're streaming
Speaker 6: right now, we had some questions, some floor covering questions.
Speaker 7: I had one about cutting a.
Speaker 6: Threshold near a door to keep liquid from wicking from
Speaker 6: the door when moisture gets at the door people walk in.
Speaker 6: I personally believe that if you have an exterior door
Speaker 6: of any kind, having carpet right up to the right
Speaker 6: up to the threshold, in my opinion, is not a
Speaker 6: good idea.
Speaker 7: That's why I'm think in houses you always see some
Speaker 7: kind of a tile, landing or something when you walk
Speaker 7: in a door. I don't actually know how you feel
Speaker 7: about that, buddy, but in general.
Speaker 17: We do it all the time because it's done all
Speaker 17: the time.
Speaker 6: But I agree when because even if the door doesn't leak,
Speaker 6: just walking in the door, you're constantly on that carpet.
Speaker 17: Yeah, a lot of the basement builders that we work with,
Speaker 17: we do a lot of work for like basement remodeler guys. Yeah,
Speaker 17: and we always recommend they put a tile or some
Speaker 17: sort of landing that you come inpe your feet off,
Speaker 17: take off your shoes so you don't get the carpet trashed.
Speaker 7: Somebody has a question on inlaid hardwood, do you have
Speaker 7: people that can do design or inlays with darker woods
Speaker 7: to make a design in an area of hardwood. No,
Speaker 7: you know what I mean though.
Speaker 17: Yeah, that would be a site finished company. We don't
Speaker 17: do site finished hardwood. We pre finished hardwood.
Speaker 7: Okay, So how are they done?
Speaker 6: They literally cut the pieces now or maybe have a
Speaker 6: computer design it and then do it all at once.
Speaker 17: Yeah, it depends on You can buy pre made ones,
Speaker 17: oh you can, okay, yeah, and then you just you know,
Speaker 17: a really good carpenter can cut it out and inlay
Speaker 17: it and then putty it, sand it, stain it and
Speaker 17: finish it.
Speaker 13: You know.
Speaker 17: That's a site finished floor.
Speaker 7: And somebody else wants to know. Do you do tile?
Speaker 17: Yeah, we have a crew that we work with that
Speaker 17: does the actual labor. We sell the material. You do
Speaker 17: sell material, We sell the material, and then we work
Speaker 17: with the guy you met it.
Speaker 7: No, no, I know, yeah, we're going to use that guy.
Speaker 7: So so tile is it getting more popular or less
Speaker 7: or the same?
Speaker 17: About the same.
Speaker 7: But it's a pretty steady. I see tile all over
Speaker 7: the place.
Speaker 6: Even where I see hardwood, I see a lot of
Speaker 6: mixed media or a mixed flooring.
Speaker 7: Do you see that a lot?
Speaker 6: I mean, I don't see any houses with any one flooring,
Speaker 6: you do, but they're they're rare normally.
Speaker 17: If it was my house, I would just put I would.
Speaker 17: I would never put LVP in a bathroom in the
Speaker 17: cross powder unless it's a powder room, right, because.
Speaker 7: Of the moisture.
Speaker 17: And I wouldn't put it in a laundry room.
Speaker 7: What about a finished basement.
Speaker 17: We put it in finished basements all the time.
Speaker 6: Oh you do, okay, So why wouldn't you put it
Speaker 6: in a bathroom? Because water is just not its friend. Well,
Speaker 6: LVP is waterproof topically.
Speaker 17: If it sets in water over time, it can curl
Speaker 17: and get britle, but you can't seal it. So I
Speaker 17: had four kids, right, Yeah, when my kids got out
Speaker 17: of the tub, you know, get wet. And if that
Speaker 17: water goes and gets underneath the tie the LVP, now
Speaker 17: you can cock it.
Speaker 7: But you know how cock is it.
Speaker 17: You were just saying you had a door that you've
Speaker 17: done everything you can to keep water from coming in.
Speaker 17: Once water gets under LVP, it's going to start growing mold.
Speaker 17: The LVP won't, but the wood will. And you know,
Speaker 17: and now you have plastic trapping water on your wood floor.
Speaker 17: And so anybody that recommends that it isn't smart. You know,
Speaker 17: if you want to seal a floor so you can
Speaker 17: get it wet.
Speaker 7: Now use tile.
Speaker 6: Somebody else wants to know something about why let me
Speaker 6: take this break. It's about putting flooring over a basement
Speaker 6: concrete floor. What are the best ways to do it?
Speaker 6: Some people were told they can go right over it.
Speaker 6: Others said they need a sub base of a floor.
Speaker 6: Some people said they need a thin set. They want
Speaker 6: to know what they should do. Three oh three, seven
Speaker 6: to one to three. Talk is our number seven one
Speaker 6: three eight two five five. If you have any questions,
Speaker 6: it doesn't have to be about floor coverings, but if
Speaker 6: you do give us a call, we really.
Speaker 7: Would love to help you. And also if you have
Speaker 7: any questions about uh not just floors, but we're going
Speaker 7: to talk about something else that buddy's an expert at Hey, Tom, I.
Speaker 18: Spoke to you.
Speaker 7: That's outdoor cooking. Oh my god, he's a genius. What
Speaker 7: I spoke tones you did? Oh good, we'll talk about
Speaker 7: that coming up. I'm Tom Martino.
Speaker 6: Three O three seven to one to three talk and
Speaker 6: speaking of waterwaterpros dot net. If you want soft water
Speaker 6: around the whole house, good for your laundry, good for
Speaker 6: your skin, good for your plumbing, good for everything.
Speaker 7: Around thirty five hundred thirty four hundred bucks fully installed
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Speaker 6: You will ever get a better price for a better system, ever,
Speaker 6: and that's three oh three eight six two five fifty
Speaker 6: five four. Go with a sure thing Denver's best roofer
Speaker 6: Excel Roofing dot com. You don't pay a cent until
Speaker 6: you're content, wait time for an insurance check up free,
Speaker 6: no obligation. In comparison, call Compass Insurance paying too much
Speaker 6: your coverage at dozens of insurance companies find out now
Speaker 6: three oh three seven to seven to one help. You'll
Speaker 6: think you're his only customer when you choose Frank durand
Speaker 6: the real estate Man dot com to list your home
Speaker 6: with Remax Alliance. Three oh three nine two zero sixteen
Speaker 6: twenty two.
Speaker 17: Was truck.
Speaker 7: Dan and yeah, that's amazing.
Speaker 6: Tom Martino here three oh three, seven to one three
Speaker 6: talks you'll see seven one three eight two five five.
Speaker 6: We're trying to get a hold of our mortgage expert
Speaker 6: doesn't seem to be available, but alan what we can
Speaker 6: do is contact you when we get a hold of them.
Speaker 7: I'm almost positive.
Speaker 6: You're going to need income to get that second, otherwise
Speaker 6: you're going to pay out rageous amounts on a what's
Speaker 6: called a hard money loan, that's a collateral based loan.
Speaker 12: Well, one thing that we haven't talked about yet today
Speaker 12: what I mentioned yesterday. I'm more concerned not about the elock,
Speaker 12: but about my credit card debt. I have that sixty
Speaker 12: thousand dollars and it's an average splended rate of twenty percent.
Speaker 12: That's what I really think I need to get rid of.
Speaker 6: And you will, and you and you can easily easily
Speaker 6: with a consolidation loan on your home, but you're gonna
Speaker 6: people are very reluctant to do thirds. So you have
Speaker 6: a first and a second, and you pay off your
Speaker 6: second and increase it by maybe thirty I mean, that
Speaker 6: should be very.
Speaker 7: Easy for you.
Speaker 6: So that would be a total of about one hundred
Speaker 6: on your second, three point fifty on your first.
Speaker 7: Your house is worth nine hundred.
Speaker 6: You should have no problems when it comes to LTV
Speaker 6: or loan to value. But your debt to income ratio
Speaker 6: will be reduced because they take into consideration what your
Speaker 6: debt will be after the consolidation.
Speaker 7: But you still I don't know what income you're going
Speaker 7: to need. That's what we were going to try to do,
Speaker 7: is pre qualify you or look for other options.
Speaker 6: I don't know what else to tell you. A hard
Speaker 6: money lender is going to be eight or nine percent
Speaker 6: okay on one hundred grand easily, So you know, are
Speaker 6: you prepared to pay that? You could probably get an
Speaker 6: equity only loan for about one hundred grand if your
Speaker 6: house appraises and that, but but you know that's a lot,
Speaker 6: and usually a hard money lender doesn't want to admortize,
Speaker 6: so they would do one hundred grand interest only. And
Speaker 6: let's say worst case nine percent, you're talking about nine
Speaker 6: grand a year, so you're talking about seven hundred and
Speaker 6: fifty a month.
Speaker 7: So what are your payments?
Speaker 6: Now, let's just say worst case scenario, hard money lender,
Speaker 6: they lend you that for They lend you that for
Speaker 6: six months or whatever or a year until you establish
Speaker 6: then you refy it.
Speaker 7: That's really what you do. You refy the second how
Speaker 7: much is it? Let's just say your payment was seven
Speaker 7: fifty or eight hundred a month on that one hundred
Speaker 7: only how much that's a.
Speaker 12: Lot less to what I'm saying on my minimum payment
Speaker 12: something credit cards?
Speaker 7: What is your minimum payment? What do your minimum payments
Speaker 7: add up to.
Speaker 12: For the credit cards, probably twelve hundred for E for
Speaker 12: the the second or for the keylock, it's about five fifty.
Speaker 6: So you would save a ton of money doing it
Speaker 6: this way, but you would, you know, don't rush into
Speaker 6: that because hard money lenders. I don't want to make
Speaker 6: it sound like they're bad guys. I've done some hard
Speaker 6: money loans in the past.
Speaker 7: It's there.
Speaker 6: They are people who simply want to get a short.
Speaker 6: When I say short, up to five year return, a
Speaker 6: decent return on an asset that's pretty secure. But they
Speaker 6: will never do it for less than that, for less
Speaker 6: than a few points over the market, because they could
Speaker 6: they can get a T bill at six percent right now,
Speaker 6: you know what I'm saying, So you gotta there has
Speaker 6: to be incentive. But I think worst case scenario that
Speaker 6: I was trying to quote you, I don't think you'd
Speaker 6: have a problem finding a lender at nine percent.
Speaker 7: I don't. I do not think so.
Speaker 12: If I, even if my credit rating is pretty low, that's.
Speaker 6: Exactly what a hard money lender doesn't care about. Let
Speaker 6: me put it to you this way, if you have
Speaker 6: a home. And I hate to put it in these terms,
Speaker 6: but if you have a homework nine hundred, you have
Speaker 6: three fifty against it. Somebody loans you one hundred, now
Speaker 6: you have four fifty. Okay, so five fifty six fifty
Speaker 6: seven fifty eight.
Speaker 7: Fifty, So you have you have like, let's say four
Speaker 7: hundred and fifty thousand inequity. Let's say even four hundred.
Speaker 6: If I gave if I loaned you the money at
Speaker 6: nine percent and you defaulted, I would be thinking, the Lord,
Speaker 6: you know I'm not I don't mean, I'm just kidding,
Speaker 6: you know what I'm saying. But in other words, because
Speaker 6: I would be able to sell that house, get all
Speaker 6: of my money, and be done with it. So when
Speaker 6: you have equity, equity, Trump's income for hard loans, for
Speaker 6: real loans, but for conventional loans where you want to
Speaker 6: get market rate, and market rate on a second, by
Speaker 6: the way, is not going to be as much is
Speaker 6: going to be a little more than on a first,
Speaker 6: but it's still going to save you a ton of money.
Speaker 6: I would first go the conventional route. But for that
Speaker 6: you need income, and you need credit. Okay, once you know,
Speaker 6: once you don't have credit, or you don't have income,
Speaker 6: you may not have a choice but to do hard
Speaker 6: money lending. And I listen, I know people, and I'll
Speaker 6: tell you right now, there are at least one hundred
Speaker 6: people right now listening to me that that say, wait
Speaker 6: a minute, if he truly has a house worth nine
Speaker 6: and he's got only three point fifty on a first
Speaker 6: I'll let badly loan them one hundred grand at nine percent.
Speaker 6: Right now, there's at least one hundred people listening that
Speaker 6: would do it right now. I know they would, because
Speaker 6: nobody in their right mind would turn that down. But
Speaker 6: but the thing I have against hard money that I
Speaker 6: don't like. I like making return on investment.
Speaker 7: I don't like profiting or somebody failing. Do you know
Speaker 7: what I'm saying.
Speaker 6: My whole idea is to help someone succeed, and if
Speaker 6: someone can't make the payments. I had one time a
Speaker 6: guy who did a hard money loan with me, I
Speaker 6: told them, listen, this is the worst thing you can
Speaker 6: do if you're not if you don't plan this, I said,
Speaker 6: you got to pay it back now. I didn't end
Speaker 6: up foreclosing on the guy because I just couldn't. But
Speaker 6: so to me, it was like an unsecured loan almost
Speaker 6: because I didn't want to put him on the on
Speaker 6: the street with his family. He had a house in Elizabeth,
Speaker 6: so instead I had to fight like hell to find
Speaker 6: somebody else to take the loan. But I told them,
Speaker 6: I said, when someone else takes this loan, if you
Speaker 6: don't pay them, they're going to foreclose. So that's the
Speaker 6: one thing that's bad about hard money lending. They don't
Speaker 6: They usually don't hesitate to foreclose. So hang on, sir, okay,
Speaker 6: and again, what I'm going to do is call you
Speaker 6: back when we get one of our experts on that
Speaker 6: can chew the fat with us on this.
Speaker 7: Okay, now, Bob, here's what I want you to do,
Speaker 7: Kachina or if you can help me here Bob, Alice
Speaker 7: and Mike, I can get to all of you coming up.
Speaker 7: Just hang on three oh three seven one three A
Speaker 7: two five five.
Speaker 6: What's go with a sure thing? Denver's Best roofer Excel
Speaker 6: roofing dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation. In comparison,
Speaker 6: call Compass insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now wow three all three
Speaker 6: seven seven to one. Help You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: all three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 6: your troubleshooter three O three seven one three talk three
Speaker 6: oh three seven one three eight two five five Bob,
Speaker 6: you have an issue with State Farm?
Speaker 7: What's going on?
Speaker 4: Yes, sir, I uh had a two thousand and five
Speaker 4: Gyms Sierra diesel truck stolen here a few weeks back,
Speaker 4: and State Farm wants to settle for nineteen thousand what
Speaker 4: they call cash value.
Speaker 13: And I know it's not a.
Speaker 4: Replacement cost, but just to come close to what it's worth.
Speaker 4: I tried to do some comment.
Speaker 7: Now, hold on, So it's a two thousand and five
Speaker 7: diesel truck.
Speaker 4: How many miles one hundred and thirty nine thousand, which
Speaker 4: is a really.
Speaker 7: Little one hundred and thirty nine thousand, And how much
Speaker 7: do they want to give you for it?
Speaker 4: Nineteen plus tax.
Speaker 7: Nineteen? And where do you why do you think it's
Speaker 7: worth more?
Speaker 4: Well, there were several modifications done to it pretty sweet ride.
Speaker 4: There is a power chip put in, and I got
Speaker 4: an estimate to put it in.
Speaker 6: Well, hold on though, when you increase the value of
Speaker 6: the truck, did you increase the stated value on your insurance?
Speaker 4: I told them everything that was on it when I
Speaker 4: got it seven years ago.
Speaker 7: How much do you feel it's worth. They want to
Speaker 7: give you nineteen plus tax? How much do you think
Speaker 7: it's worth?
Speaker 4: Twenty four? Cash value? About twenty nine or thirty?
Speaker 13: Retail?
Speaker 7: Yeah, it doesn't matter what retail is. It matters what.
Speaker 6: Well, actually it kind of does and kind of doesn't.
Speaker 6: They kind of have to give you what it's worth.
Speaker 6: And when you said retail and cash, they should be close.
Speaker 4: I would think they would be the difference between wholesale
Speaker 4: and retail for a dealer.
Speaker 7: Yeah, but they don't.
Speaker 6: But your plan doesn't pay you wholesale. It pays you
Speaker 6: replacement for that vehicle.
Speaker 15: It doesn't mean that it doesn't.
Speaker 4: Well specific they said, this is not a replacement value.
Speaker 7: Okay, no it's not. It's it's no, it's but it is.
Speaker 7: Let me explain. Let me explain this. Okay, they have
Speaker 7: to pay you what it's worth.
Speaker 6: Presumably if they pay you what it's worth you should
Speaker 6: be able to find another one for that price. Yeah, way,
Speaker 6: like if they said it was worth fifteen grand and
Speaker 6: there's not a truck anywhere for that price. Well it's
Speaker 6: while it's not replacement, they mean it's not replacement in
Speaker 6: a new You don't get.
Speaker 7: A new truck, but you do get what you lost. Now.
Speaker 6: I want to get compass on to talk about this,
Speaker 6: but I also want to try something else. Okay, hold on,
Speaker 6: I want to see if we can get petty details
Speaker 6: on again, Katchina. If we can't get petty details, I
Speaker 6: heard someone advertising all over Khow recently called Auto Value Experts.
Speaker 6: They're a new sponsor and they claim to do what
Speaker 6: petty details does.
Speaker 7: I'd like to I'd like to look up that ad
Speaker 7: and call them.
Speaker 6: Okay, are you are? You're hearing me right, Kagina, Just
Speaker 6: to blink twice whatever? Anyway, So I think they're called
Speaker 6: auto value Experts. So hang on, Sarain, We'll do that,
Speaker 6: Shan and make sure she heard that.
Speaker 7: Please, thank you. Well, she's looking at me, but I
Speaker 7: can't Okay, does she have like is she fogging a mirror?
Speaker 6: Go with a sure thing? Denver's Best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation. In comparison,
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three all three seven
Speaker 6: seven one help. You'll think you're his only customer when
Speaker 6: you choose Frank durand the real estate Man dot com
Speaker 6: to list your home with Remax Alliance three all three
Speaker 6: nine two zero sixteen twenty two.
Speaker 1: Yeah, Rita News need advice so you don't have come
Speaker 1: running just as fast as you can. Shooter's gonna help
Speaker 1: come MANX is the Troubleshooter Show.
Speaker 7: Now Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 7: Three oh three seven one.
Speaker 6: Three talk seven one three eight two five five. What's
Speaker 6: happening in your life today? We have Buddy Mitchell with
Speaker 6: us from Simply Floors Inc.
Speaker 7: Dot com.
Speaker 6: If you need any floor covering advice of any kind,
Speaker 6: they're the experts Buddy and Karen Mitchell at Simply Floorsinc.
Speaker 7: Dot com.
Speaker 6: We also have a number of topics going on. I
Speaker 6: want to get right to Bob says, and I want
Speaker 6: to talk to two people. First, Jeremy at Compass Insurance.
Speaker 6: Bob says he's.
Speaker 7: Insured by State Farm.
Speaker 6: He had a two thousand and five GMC diesel truck
Speaker 6: one hundred and thirty nine thousand miles stolen. State Farm
Speaker 6: wants to settle for nineteen grand. He says, I don't
Speaker 6: know if that's fair. I don't think it is. I
Speaker 6: can't find anywhere anything like it.
Speaker 7: Jeremy, Compass, excuse me, Jeremy.
Speaker 6: State Farm told him that it's not supposed to be
Speaker 6: a replacement value, it's actual cash value. And I said, well, technically,
Speaker 6: it's supposed to be what it's worth at the time
Speaker 6: of the incident.
Speaker 7: Is that true, Jeremy, Yeah, And.
Speaker 22: To just define those terms actual cash value is going
Speaker 22: to mean what it's worth at the time of the loss.
Speaker 22: Replacement would be to buy a new one.
Speaker 7: You don't I understand that.
Speaker 6: So if in fact it's worth what it is at
Speaker 6: the time of the loss, it is kind of replacement
Speaker 6: for that particular.
Speaker 7: Vehicle, you should be able to find one exactly.
Speaker 13: Yeah.
Speaker 4: Yeah, yeah.
Speaker 6: So if they offered them a price that he thinks
Speaker 6: is unfair, now I know there are we have justin
Speaker 6: on from Petty details justin petty and he does appraisals
Speaker 6: and stuff and estimates and loss of value and excuse me, yeah,
Speaker 6: diminish value and all that. But Jeremy, when it comes
Speaker 6: to policies, do they make an offer usually that's lower
Speaker 6: than what is Where?
Speaker 7: Is that a common practice?
Speaker 22: Honestly with my companies. If I deal with two of
Speaker 22: these a year, that's a bad year.
Speaker 13: I don't.
Speaker 7: I know.
Speaker 22: People think it's probably a lot more common. And I
Speaker 22: can only speak for the ones, you know, companies we
Speaker 22: work with, but I run into this a lot. I mean,
Speaker 22: it can happen from time to time, and what we
Speaker 22: typically want to do the first thing is and I
Speaker 22: know what happened with Mark once is asked for the
Speaker 22: comps that they're pulling to get you evaluated.
Speaker 7: And I want to ask you something else.
Speaker 6: We always get this argument too, People say, well, I
Speaker 6: did a lot of customizations. At what point is it
Speaker 6: your responsibility to add to your value?
Speaker 7: If that makes sense.
Speaker 6: If you're insuring app let's just say you're insuring A
Speaker 6: sixty four and you have a lot of crap on there,
Speaker 6: is it your responsibility to do a stated value of more?
Speaker 11: It is?
Speaker 22: Yeah, I mean any kind of classic car, you're always
Speaker 22: better off getting a policy.
Speaker 7: Well, this is a five, so this wouldn't be classic,
Speaker 7: would it. Okay?
Speaker 22: So yeah, on a regular car, anything that you've customized,
Speaker 22: you need to add coverage for that because the policy
Speaker 22: isn't really designed to pay enough. It's something made. They'll
Speaker 22: probably throw it in by any kind of you know,
Speaker 22: you get a lift or you had just whatever piece.
Speaker 7: Hey, Bob, what kind of stuff was custom on this?
Speaker 15: Most of it was there when I bought it.
Speaker 7: It was a power Yeah, it doesn't matter if it
Speaker 7: was there when you bought it. But what was not stock.
Speaker 4: What was not stock was the powership chip which boosts
Speaker 4: the power temporary.
Speaker 7: How much is that worth?
Speaker 13: Well?
Speaker 16: To do it today?
Speaker 4: And I got an estimate for an five, Sarah, to
Speaker 4: do it to a like truck today.
Speaker 15: Was fifty.
Speaker 7: Actually, well that would have required additional insurance, I think, Bob.
Speaker 6: But yeah, I'm going to ask. I'm going to ask
Speaker 6: for petty details. I'm not gonna because he's thought a
Speaker 6: lot of these. So Jeremy, thank you very much. That's
Speaker 6: Compass insurance. By the way, home of the insurance check up.
Speaker 6: Make sure you're not paying too much and again insurance
Speaker 6: is getting outrageous. They can't always beat the price, but
Speaker 6: they'll give you an idea if you have a good
Speaker 6: deal or not.
Speaker 7: Three h three nine nine six nine thousand. Let's go
Speaker 7: to Peddy details justin.
Speaker 20: Are you there here?
Speaker 13: Yep? Justin.
Speaker 6: What you guys do is a great service for people.
Speaker 6: You let them know if they're getting screwed by their
Speaker 6: insurance or by other people's insurance. So what I know
Speaker 6: you probably hear this, But what do you think about
Speaker 6: a two thousand and five And I'm not asking for
Speaker 6: an immediate value, but the principle two thousand and five
Speaker 6: GMC diesel truck one hundred and thirty nine thousand miles.
Speaker 6: It was stolen. They want to settle for nineteen. He
Speaker 6: wants another five or six because of that chip. Now
Speaker 6: have you been able to get these prices up a
Speaker 6: bit because of customizations without extra insurance?
Speaker 9: Well, your typical auto policy will have a definition of
Speaker 9: what constitutes this, you know, custom equipment, and they'll typically
Speaker 9: have a thousand dollars limit, so you should have one
Speaker 9: thousand dollars any way you look at it, or any
Speaker 9: any component that is defined by the policy that would
Speaker 9: be custom equipment, so things that are not produced for
Speaker 9: the vehicle by the manufacturers, such as that chip, So
Speaker 9: that would be a custom equipment subject to a limit
Speaker 9: on the policy typically.
Speaker 7: Now, Bob, what else in addition to the chip?
Speaker 4: Yeah, I put a topper on there and painted the
Speaker 4: massive truck cost me twenty two hundred seven years ago.
Speaker 4: I called in today, they want thirty seven hundred to
Speaker 4: do it.
Speaker 7: Now what do they do? Do they justin?
Speaker 6: Would that be a thousand for all customization or a
Speaker 6: thousand per customization?
Speaker 9: It's a thousand for everything, but bedcaps and campers are
Speaker 9: excluded from that definition typically.
Speaker 6: So if they're excluded, are they cover? Yes, they're covered,
Speaker 6: so they're not if they're not figuring that in there?
Speaker 6: Can he say I need this or can they say, well,
Speaker 6: we never ensured that.
Speaker 9: No, that the camper or or tono cover either or
Speaker 9: considered a cap at cap and that's covered.
Speaker 6: So it's not part of it, even if it wasn't
Speaker 6: there when he first got the insurance and he added
Speaker 6: it years later.
Speaker 7: Yep, okay, So.
Speaker 6: Tell us how you work at petty details. We really
Speaker 6: want to know, and don't you have the other website?
Speaker 6: Isn't it called diminished what's the website against.
Speaker 9: Sir, sure, Yes, diminished Value expert dot com.
Speaker 6: Diminished Value expert dot com. He's also on referral liss
Speaker 6: dot com. Tell us how you work? Is there any
Speaker 6: part of your service that is complementary?
Speaker 9: Well, yeah, I mean every time we take the case
Speaker 9: on the review of it is of course complimentary. We
Speaker 9: look at everything and see do we think that there's
Speaker 9: any value there that's being missed that we can help with.
Speaker 9: So the you know, the screening, So do you give.
Speaker 7: Him a first blush idea of what it's worth?
Speaker 4: Yeah, I mean I was.
Speaker 9: I had questions. Is it a twenty five hundred extended
Speaker 9: cab crew cab? You know some details, but I could
Speaker 9: definitely tell him what the value should be really close
Speaker 9: and what he could potentially.
Speaker 6: Get, So Bob for that they have a complimentary service.
Speaker 6: But then if you want to hire him, what is
Speaker 6: the best and worst case scenario if they hire you?
Speaker 9: So best case scenario would be that we are able
Speaker 9: to agree on a value that's you know, way better
Speaker 9: than what's being offered. Yeah, because of.
Speaker 7: And what would that cost if you got involved directly?
Speaker 7: What would that cost?
Speaker 9: So it's it's five hundred and fifty dollars typically.
Speaker 7: Okay, Now here's what I want to know on this truck.
Speaker 7: Can you answer some of his questions? What size is it?
Speaker 7: Is it twenty five hundred yes, COOKAB twenty.
Speaker 9: Five compact share okay? And so this has got the
Speaker 9: which whitch engine in it?
Speaker 4: Sixty six diesel six point six diesel durromatt.
Speaker 9: Let's see durromats is they never get they never get
Speaker 9: diesel trucks, right, Just so you know, this is a
Speaker 9: common a common type of vehicle that we get. Okay,
Speaker 9: see here.
Speaker 13: Wow, so that's the test.
Speaker 7: However, I love just checking with him.
Speaker 9: Yeah he said it had one hundred and thirty two
Speaker 9: or something like that.
Speaker 7: One nine.
Speaker 9: Yeah, quite low knowledge for.
Speaker 15: The that it is here.
Speaker 4: It's one reason I bought it seven years ago because
Speaker 4: it was a low miles TN.
Speaker 9: So let's see it's an automatic, yes, sir, it's got
Speaker 9: they have a lift kit. No, nope, that has.
Speaker 4: Air socks in the back. Okay, that's another add on though.
Speaker 9: Yeah, all right, yeah, gosh, I'll see.
Speaker 7: This is interesting.
Speaker 13: I'd like to know.
Speaker 7: Let's see, and they're offering nineteen plus tax.
Speaker 9: Let's see here. Yeah, see, it's gonna be real hard
Speaker 9: to find a comparable vehicle. And I would I would
Speaker 9: think that that's probably a little low on that vehicle.
Speaker 13: I would.
Speaker 9: I would think that you would see them at twenty
Speaker 9: five somewhere he was buying. He was thinking, it's probably
Speaker 9: it's you know, nineteen is not terrible. I would expect
Speaker 9: the carrier, most carriers off or twelve or thirteen on
Speaker 9: a truck like that, But they just don't get them right.
Speaker 9: The sources that they use and the companies that they
Speaker 9: use to do though, can't hold you're out of diesel.
Speaker 6: S Does he go back to them and say nineteen
Speaker 6: is low and then see what they do first?
Speaker 9: I mean definitely if they're most of these carriers, adjusters
Speaker 9: don't have the authority to negotiate outside of the report
Speaker 9: that they're required to use. So it's real hard to
Speaker 9: make any headway negotiating with them. But it's worth a shot.
Speaker 9: If you're a great negotiator, you might be able to
Speaker 9: get them to come up enough to where it's not
Speaker 9: worth you know, hiring an independent appraiser.
Speaker 7: Yeah, yeah, so why don't you try that first, Bob?
Speaker 7: And then and thank you?
Speaker 13: Just told me to go to the CNT team.
Speaker 4: I'm sorry to interrupt. They told me to go to
Speaker 4: the CMP team and upload comps. And as your Amanda said,
Speaker 4: comps are really hard to find.
Speaker 13: That it's like the truck.
Speaker 4: So what I was trying to approach, I was trying
Speaker 4: to do is find comps for a stock truck, which
Speaker 4: you're average twenty five to twenty six money termines.
Speaker 15: A big part of the price, and this is low Miley's.
Speaker 4: And then say, well, these add ons are worth something.
Speaker 6: Yeah, yeah, but hold on, but you're not going to
Speaker 6: get add ons that you never reported to them.
Speaker 7: And in short, bro, you're just not going to have
Speaker 7: it both ways. Now, you can get some add on value.
Speaker 6: But if here's what I want to know, if you
Speaker 6: can show just the regular base damn truck is twenty
Speaker 6: five grand, don't go any further.
Speaker 7: That's all you want it anyway, Okay, all right?
Speaker 6: I mean, I mean, if all you wants twenty five
Speaker 6: grand or twenty six and and there's no reason to
Speaker 6: go beyond the normal truck.
Speaker 7: If that's what you're telling me, you're finding, you're finding
Speaker 7: they're worth You can't find any truck like that, So
Speaker 7: just do that right now, and then we'll get and again.
Speaker 6: Let me tell you how to get in touch with
Speaker 6: Justin Petty or Diminished Valueexpert dot com when he's not here.
Speaker 6: It's two one four two one four two two seven.
Speaker 7: Two one five four one five four. Guys, I'm Tom Martinez.
Speaker 7: We got more coming right up.
Speaker 6: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation comparison
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three all three seven
Speaker 6: to seven to one.
Speaker 7: Help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three oh three nine two zero
Speaker 6: sixteen twenty two. Hi, Tom Martino, your troubleshooter three old
Speaker 6: three seven one three talk three O three seven one
Speaker 6: three eight two five five. Let's talk to Mike about
Speaker 6: the table refund. Go ahead, Mike, what's going on?
Speaker 7: Mike?
Speaker 15: Yeah?
Speaker 13: I might have been scammedal my either dollar taber reef
Speaker 13: by this online internet place. How well, it's called texlayer
Speaker 13: dot com and they claim to be an affiliate the
Speaker 13: United Way and they'll follow your uh, your.
Speaker 7: Application or by the way, did you three funds go
Speaker 7: out already?
Speaker 13: I don't know, but I heard a commercial say you
Speaker 13: got like a until October first or something otherwise you're
Speaker 13: gonna wait till like next year. But I haven't received anything.
Speaker 13: And I went to the website and I.
Speaker 6: Haven't received anything either. Buddy, did you receive your taber?
Speaker 6: I didn't receive No, I don't. I don't know anything
Speaker 6: about it. So anyway, keep going.
Speaker 7: So you went to what website.
Speaker 13: It's called text player dot com. They claim to be
Speaker 13: last shoot of the United Way the words of free And.
Speaker 6: Do you think did you have to put in all
Speaker 6: your information about yourself and you think they got your tabor?
Speaker 13: That's one I'm wondering that I have not received any information.
Speaker 6: But maybe yeah, but you got to explain to me
Speaker 6: this website you went to. What is the website? And
Speaker 6: what do they purport to do?
Speaker 7: Well?
Speaker 13: They claim to file your taxes for you electronically.
Speaker 27: I think it's like a TurboTax.
Speaker 7: Okay, thank you, dragging it's like a turbot tax.
Speaker 13: Yeah, I guess I didn't received anything, but I don't know.
Speaker 7: Okay, did you go to the tax website after you
Speaker 7: did not receive your taber? Or did you do it
Speaker 7: from the beginning to do your taxes?
Speaker 13: I have not gotten back there since then.
Speaker 7: But here's what I'm asking. What brought you to that website?
Speaker 13: It was an email?
Speaker 7: Okay, so that's why you went.
Speaker 6: You went there to do your taxes, and you believe
Speaker 6: they received your refund.
Speaker 13: No, That's what I'm wondering. But if you ever received
Speaker 13: it and no one else has, what is taking song Dragon?
Speaker 7: Did you get yours? I don't know of anybody who
Speaker 7: got there, So.
Speaker 27: I think it's a little too soon at that point,
Speaker 27: isn't it? Because I think was it this time roughly
Speaker 27: last year? Pullus was getting it to us all soon
Speaker 27: before the election because he wanted to make sure he
Speaker 27: got reelected.
Speaker 6: Well, he wanted to take credit for it, which was
Speaker 6: in place long before him. I know, I know he
Speaker 6: made it sound like he was the one doing it.
Speaker 6: Here's what I need to ask a couple questions here.
Speaker 6: I need the actual website.
Speaker 13: I their their phone number is? Now?
Speaker 7: How about their website. You got their website.
Speaker 13: Support at my Free Taxes dot Com phone number eighty
Speaker 13: six six six.
Speaker 7: Five.
Speaker 13: I haven't tried any of this yet.
Speaker 7: Real quick six, real quick question.
Speaker 27: No, you used tax Slayer as your tax software though, correct. Yeah,
Speaker 27: so this isn't just some random email that you got
Speaker 27: from a company saying, hey, you missed your table refund,
Speaker 27: use us to get it.
Speaker 7: No. No, he said it was tax Slayer, correct, which
Speaker 7: which he has used in the past.
Speaker 13: No, I haven't.
Speaker 27: You've never used tax Slayer.
Speaker 7: No, they claimed to be from Did you ever check
Speaker 7: with the I R S to make sure it was filed?
Speaker 19: No?
Speaker 13: Because it's it's so circu this.
Speaker 6: Well, that's the first thing you need to do, right.
Speaker 6: The first thing you need to do is you can
Speaker 6: see if your file, if your taxes have been filed.
Speaker 6: That's the first thing.
Speaker 9: Yeah.
Speaker 13: Mark Major is really great on this. He helped last time,
Speaker 13: helped what get get get a refund from uh uh
Speaker 13: the Coro Department of Revenue.
Speaker 2: Yeah.
Speaker 13: Mark, Mark's really been great on this.
Speaker 7: Good. But here's what we need to do first.
Speaker 6: Okay, I need so when Mark helped you before, did
Speaker 6: you had you done your taxes to the same service.
Speaker 13: No, I didn't. And then it was a website specifically
Speaker 13: on C dot rev or whatever it is, and it's
Speaker 13: not there now, and they just I don't know what's okay.
Speaker 6: When your first of all, Mike, you have to help us.
Speaker 6: You're making zero sense to us. So let me get
Speaker 6: this straight. One time you filed your tax you didn't
Speaker 6: know who a refund was. You called and Mark help you.
Speaker 6: Now you file your tax with tax Slayer and you
Speaker 6: think maybe they took your refund or you don't know
Speaker 6: where it is.
Speaker 7: Again, you don't.
Speaker 6: Even know if if that that tax service actually filed
Speaker 6: your taxes. You did not even go so far as
Speaker 6: to see if your taxes have been filed?
Speaker 7: Is that right.
Speaker 10: True?
Speaker 13: They just sent me a confirmation email.
Speaker 7: Okay? Who sent you the confirmation email?
Speaker 13: Tex splayer?
Speaker 7: Okay, can you send us a copy of that confirmation email?
Speaker 13: It was last year or.
Speaker 7: You don't have it?
Speaker 9: No?
Speaker 13: Yeah, okay, so.
Speaker 6: You have Do you have any way of knowing, for
Speaker 6: God's sakes, if tax Slayer actually filed your taxes?
Speaker 19: No?
Speaker 13: I don't. Okay.
Speaker 7: If you go to tax Slayer right now, can you
Speaker 7: log in?
Speaker 13: I haven't tried it?
Speaker 7: Well, you got to that. Okay, you have to you
Speaker 7: have you're the one that did it.
Speaker 6: So if I went to tax layer right now, there's
Speaker 6: a log in with a username and password.
Speaker 7: Do you have a username and password?
Speaker 13: I haven't tried it. I don't know that's true.
Speaker 7: Well, in order to.
Speaker 6: File your taxes, you had to have gone on with
Speaker 6: a username or password. So I'm asking you, did you
Speaker 6: ever have a username or password?
Speaker 13: Oh? I have to go back and check.
Speaker 7: Well, the answer is you did. Okay, Now what you do?
Speaker 7: Here's the good part.
Speaker 6: On the login page, it has a place for forgot
Speaker 6: user name or forgot password.
Speaker 7: You can do both.
Speaker 6: So all you have to do is supply your email address.
Speaker 6: Do you know the email address you would have used
Speaker 6: when you logged on?
Speaker 7: Maybe? Okay, maybe, okay, I'll tell you what.
Speaker 6: Then, when you find out any information at all about yourself,
Speaker 6: then go to TaxSlayer dot com and retrieve your username
Speaker 6: or password or both and log on to that. That
Speaker 6: place will have a record of your filing and then
Speaker 6: we can help you.
Speaker 27: And Mike just say we're very clear here. Do not
Speaker 27: click on anything you got in that email.
Speaker 7: No, go do go to tax slayer. Go directly to
Speaker 7: TaxSlayer dot com.
Speaker 13: Directly go to can I go to call a department?
Speaker 6: No, here, go to taxlayer dot com retrieve your username
Speaker 6: or pass. That's really what you need to do. I
Speaker 6: got to move on my three oh three seven one
Speaker 6: three talks seven one three eight two five five. Jeff
Speaker 6: has a question on evaluation of a Ford. Now, now, Jeff,
Speaker 6: do you have the same question as that other guy?
Speaker 7: Was your car? Was your truck stolen?
Speaker 15: Actually? No, we have a vacation home in Nebraska. Yeah,
Speaker 15: and we got hit by a tornado wo with me
Speaker 15: my neighbor's garage landing on top of my garage. And
Speaker 15: this truck was just Christine. It was a two thousand
Speaker 15: and eight Ford and ed didn't have a scratch on
Speaker 15: it anywhere.
Speaker 7: Was it registered?
Speaker 13: Oh yeah, okay yeah.
Speaker 6: And so you're going to get what a normal two
Speaker 6: thousand and eight four truck with that mileage is worth.
Speaker 15: Yeah, And that's what they tried to do. They tried
Speaker 15: to give me fourteen thousand for it.
Speaker 7: And what company was it? What company?
Speaker 20: H Shanitar or Century Century?
Speaker 7: Listen, here's the thing with an ass Yeah, that's right. Century.
Speaker 6: Now listen, you're only going to get what it's worth okay,
Speaker 6: even if it was in pristine condition.
Speaker 7: You'll get a little more for its condition. How many
Speaker 7: miles were on it?
Speaker 15: There is ninety three miles on it, ninety three thousand.
Speaker 6: Okay, listen, here's what you can do. Did you get
Speaker 6: that number for Petty Details?
Speaker 9: No?
Speaker 15: I didn't.
Speaker 6: All right, hold on and you'll get it. Kachina will
Speaker 6: get that for you. Call Petty at Petty Details and
Speaker 6: ask what the valuation is to see if your clubs.
Speaker 6: They can help you. Okay, and most of their help
Speaker 6: upfront is free of charge. We got more coming up
Speaker 6: on the Troubleshooter Show three O three seven one three
Speaker 6: eight two five five. Go with a sure thing Denver's
Speaker 6: best roofer Excel Roofing dot com. You don't pay a
Speaker 6: cent until you're content. Time for an insurance check up, free,
Speaker 6: no obligation comparison call Compass Insurance paying too much your
Speaker 6: coverage at dozens of insurance companies find out now three
Speaker 6: oh three seven seven to one help. You'll think you're
Speaker 6: his only customer when you choose Frank durand the Real
Speaker 6: estate Man dot com to list your home with Remax
Speaker 6: Alliance three oh three nine two zero sixteen twenty two.
Speaker 7: Martin here three three seven on three talk.
Speaker 6: Tom has a question on tree damage, and speaking of trees,
Speaker 6: we're gonna talk to Deputy dot who's got an update
Speaker 6: on this Mendez tree removal.
Speaker 7: But first let's talk to you, sir. What's happening? Tom? Hi?
Speaker 21: Tom? How you doing?
Speaker 4: Yeah?
Speaker 21: A couple of weeks ago, about a weeks ago, I
Speaker 21: had a gentleman decided to park his pickup truck on
Speaker 21: my property between two large trees. He actually took out
Speaker 21: one and damaged ford.
Speaker 7: And who did this? What it was it a company?
Speaker 21: No, it was a It was a young man driving
Speaker 21: his truck at seventy miles an hour and a twenty
Speaker 21: five sev alone.
Speaker 7: Okay, so did he is there a police report? Was
Speaker 7: he caught or did he leave? What happened?
Speaker 21: No, there is a police report. He just he was
Speaker 21: carried out of an ambulance. He didn't he didn't walk away.
Speaker 6: But you know, well, okay, so his insurance will have
Speaker 6: to pay for damages to your property.
Speaker 21: True, I understand that. Well, my question is I mean
Speaker 21: when I live in the very north and tip of
Speaker 21: the flat forest, these two trees that are seriously damaged,
Speaker 21: and I've already had somebody come out and look at
Speaker 21: maybe removing them, said that they're not going to survive,
Speaker 21: so we're gonna have to have them cut down. But
Speaker 21: I'm wondering if they have a value, because they do.
Speaker 7: Yeah, yeah, they do.
Speaker 6: Now I find that dal that I don't know, but
Speaker 6: I do know landscaping has a value. Now it may
Speaker 6: not be worth what we think it's worth, but again,
Speaker 6: what we could do is called compass and see what
Speaker 6: they suggest. They had to have come across this before,
Speaker 6: so hang on. Now this is the result. See and
Speaker 6: this is different. This is not your own insurance or
Speaker 6: although it could be as well, it could be either
Speaker 6: his insurance or yours. Does his insurance offer anything? Are
Speaker 6: they cleaning up or doing anything?
Speaker 21: Right now? I just got the police report today, so
Speaker 21: I haven't contacted anybody other than another tree guy to
Speaker 21: come out and take a look.
Speaker 7: Let's talk to Compass.
Speaker 13: I need to.
Speaker 7: We need to talk about home owners versus auto versus. Yeah,
Speaker 7: like who's going to pay what?
Speaker 6: So hang on and we'll get somebody on three oh
Speaker 6: three seven one three eight two five five.
Speaker 7: I'm writing down Compass Insurance.
Speaker 18: And ask if if the kid was alive because it
Speaker 18: was a fatal accident, it puts in a whole different story.
Speaker 7: Not with insurance, it doesn't. Why would it change anything. Uh,
Speaker 7: that's a good point. I thought it might.
Speaker 18: If if the person was deceased, then they have to
Speaker 18: go through his Uh it would be story right.
Speaker 7: Oh no, no, no, no, absolutely not. It's if not
Speaker 7: if he was insured.
Speaker 6: Now, if he was uninsured and you're suing him, then
Speaker 6: you would have to go to his estate.
Speaker 7: That would be true, that would be true.
Speaker 6: But if he's insured, the accident happened while he was alive,
Speaker 6: that that claim is alive.
Speaker 7: Okay, good point. Yeah. Now what about the Mendez guy?
Speaker 7: What happened? Oh well, I want to explain to people
Speaker 7: what happened. Jamie paid him forty twenty.
Speaker 6: Four hundred bucks to remove trees and trim around her
Speaker 6: house and her neighbor's house, and he did a bad
Speaker 6: job and it's incomplete.
Speaker 7: What did he say, Well, he said it was complete.
Speaker 18: And they went back and forth. I went on a
Speaker 18: three way call and they went back and forth a
Speaker 18: little bit. But he is going to send somebody out
Speaker 18: there tomorrow, and she's they're gonna take pictures and I
Speaker 18: told Jamie that before he leaves, while he's on site,
Speaker 18: call me and if if it isn't done to her satisfaction,
Speaker 18: while he's there, I'll find out exactly what it is
Speaker 18: she wants done that isn't being done.
Speaker 7: Well, he said it, So is he going out personally?
Speaker 7: I send me one of his guys out.
Speaker 6: Okay, and he's but he claimed it was done correct.
Speaker 7: So was she surprised at that? Uh? Yeah, a little bit.
Speaker 18: You know, people get defensive when you when you accuse
Speaker 18: them of things, and we didn't accuse them of doing
Speaker 18: a bad job. I said, look, there are a couple
Speaker 18: of little things that she wants taken care of. And
Speaker 18: basically I said, he'll send his guy out. And like
Speaker 18: I said, I told Jamie, call me before he leaves,
Speaker 18: and if there's anything that hasn't been done that you
Speaker 18: want done, I will talk to the guy and we'll
Speaker 18: get the satan care of.
Speaker 7: So I will give you an update probably on Monday.
Speaker 7: All right, three h three seven one three eight two
Speaker 7: five five.
Speaker 6: Go with a sure thing Denver's Best roofer excel roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free no obligation. In comparison,
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three all three seven
Speaker 6: seven to one help You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
Speaker 6: com to list your home with Remax Alliance three all
Speaker 6: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 6: here at three all three seven one three talks seven
Speaker 6: one three eight two. Brian Burns's quick question here, Brian,
Speaker 6: if somebody slams into my house and ruins a treekay,
Speaker 6: a really beautiful big tree, how do you put a value?
Speaker 6: And by the way, Brian Burns is with Compass Insurance
Speaker 6: Group home of the insurance checkup.
Speaker 7: How do you put a value on that tree?
Speaker 13: Wow?
Speaker 22: Well, so, if it's a normal damage, the problem is
Speaker 22: if you're you're claiming it on your own policy, they
Speaker 22: put the value because they have a limitation. But if
Speaker 22: you're talking about going after somebody else because of what
Speaker 22: damage they did to you, that's different. That's kind of
Speaker 22: outside my scope because it's not really an insurance issue
Speaker 22: at that point. It's more of the value of the tree.
Speaker 22: It's more of a lawsuit.
Speaker 7: But yeah, but I guess I'm asking you this.
Speaker 6: Would do you believe an automobile liability policy extend to
Speaker 6: landscaping damage?
Speaker 18: Yes?
Speaker 22: Yeah, absolutely, that's liability. Still, I mean you did damage
Speaker 22: to someone else's property and that tree has value, no
Speaker 22: doubt to it. So yes, your liability or the driver's
Speaker 22: liability should pay for the damage to that.
Speaker 6: That's what we were asking. So, Tom, you're not barking
Speaker 6: up the wrong tree. Tom, that that but you're But
Speaker 6: now Compass can't tell you how to get it evaluated.
Speaker 6: You'd probably have to talk to an arborist or something exactly.
Speaker 13: Okay, Now, okay.
Speaker 6: Again, there's going to be a limit. There's not going
Speaker 6: to be a replacement of that exact tree. That tree
Speaker 6: has a value, and what you may have to do
Speaker 6: has planned a much smaller, younger tree and take the
Speaker 6: rest in cash.
Speaker 7: In other words, when you get compensated.
Speaker 6: For loss, it's not always going to be it's not
Speaker 6: going to make you one complete all the time. Like
Speaker 6: it may be impossible to transplant a tree that big. Yeah,
Speaker 6: so anyway, but there is value to it. Okay, that's
Speaker 6: the question. Now, Brian. Another question, what if this guy
Speaker 6: was uninsured or what if it was a hit and run?
Speaker 6: Would your homeowner's policy cover that so?
Speaker 22: And that is where you would have to actually look
Speaker 22: at your policy language.
Speaker 15: There is coverage for trees.
Speaker 6: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation. In comparison,
Speaker 6: call Compass Insurance. Pay too much your coverage at dozens
Speaker 6: of insurance companies find out now three all three seven
Speaker 6: to seven to one.
Speaker 7: Help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three all three nine two zero
Speaker 6: sixteen twenty two.
Speaker 1: Yeah, ripped of bad news? De need advice, you don't
Speaker 1: have the come running just as fast as.
Speaker 9: We can show.
Speaker 1: Shooter's gonna help.
Speaker 7: Come man, This is the Troubleshooter Show. Now Tom Martine, Hi,
Speaker 7: Tom Martino here, Welcome to the show.
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Speaker 7: Let's continue. We're here talking about anything you want to
Speaker 7: talk about. Three oho three seven one three talk now, Marlene,
Speaker 7: what's going on with you? Marlene, Welcome to the show.
Speaker 7: I'm told to check my email, which I'll do. Apparently
Speaker 7: you sent an email, so go ahead. Start your story.
Speaker 26: Well, about two years ago, I contacted home Depot about
Speaker 26: repairing some windows in my house, and the sales reps
Speaker 26: insisted that I had to have replacement windows because I'm
Speaker 26: one of the windows that still was rotted and the
Speaker 26: other window, a double pane glass was broken.
Speaker 23: Yeah, And so I believed him and we order you know, it.
Speaker 26: Was like two to three thousand dollars. So there's placement windows.
Speaker 23: And then they came out and their chuck cut the
Speaker 23: sill where it was added and just butted.
Speaker 3: Up some new wood.
Speaker 23: He didn't take the entire sill out. And so I
Speaker 23: contacted Home Depot again and said night, Now.
Speaker 6: When you went to home Depot, did they sub this
Speaker 6: out or was it Home Depot? I think they have
Speaker 6: a company that's an approved vendor, right, their.
Speaker 26: Sales rep is Home Depot and the contract I signed
Speaker 26: was from home Depot.
Speaker 7: Okay, And how many windows?
Speaker 23: There were two windows, and so the one had the
Speaker 23: rotted chill.
Speaker 7: And that's all.
Speaker 6: Wait, wait, so you only bought two replacement windows. Yes,
Speaker 6: and by the way, I just want to tell you
Speaker 6: something that was probably a good idea, not you know,
Speaker 6: to replace them. Now I can't speak to what they did.
Speaker 6: So are you saying that both replacement windows were jacked.
Speaker 7: Yes.
Speaker 23: When they did the installation, I'm the one with a
Speaker 23: rotted sill, they said I needed a new window because
Speaker 23: it had a rotted sill, and they didn't replace the
Speaker 23: entire sill. So they came back fan died out colomy.
Speaker 26: It three times to now.
Speaker 6: Now where does it stand today? What still needs to
Speaker 6: be done in your estimation?
Speaker 26: Okay, on the other window that didn't have a rotted sill,
Speaker 26: that chill is now completely rotted. And I called him
Speaker 26: and I said.
Speaker 23: Wait a minute, this should be a two year new shill.
Speaker 26: They never replaced the sill on that other window, even
Speaker 26: though they claim it's part of the window.
Speaker 23: So now I have a totally rotted sill.
Speaker 26: They sent out an inspector.
Speaker 7: He said, wait, wait, wait, are you saying a sill
Speaker 7: or a still.
Speaker 26: A still the war bottom part of the window that
Speaker 26: is part.
Speaker 7: Of the window. Are they saying it's not part of
Speaker 7: the window.
Speaker 26: No, the thing is part of the window. And that's
Speaker 26: why I needed new replacement windows. But when they installed
Speaker 26: the window, they didn't replace the sill.
Speaker 7: Well, that's ridiculous. Okay, hold on, hold on, so right now, though,
Speaker 7: let me let me get this straight. If they replace
Speaker 7: the sill, are they available separately?
Speaker 26: They claim no, but they didn't do it when they installed.
Speaker 15: The new No.
Speaker 7: I get that they didn't do it.
Speaker 6: Then if they did not do the sill, they installed
Speaker 6: a window and took the sill off the old window
Speaker 6: and put it on.
Speaker 7: The new one.
Speaker 26: No, it's just part of the framing and so they didn't.
Speaker 23: Have to touch it.
Speaker 6: I get what you're saying. So you're saying the inside
Speaker 6: trim had the sill on it. Yes, okay, I want
Speaker 6: to explain something to you. Listen, now that I know
Speaker 6: what you're talking about. There are drop in replacement windows
Speaker 6: that do not include the sill where the sill is
Speaker 6: part of the trim, and if they did not do
Speaker 6: new trim, you would not get a new sill. But
Speaker 6: there are some windows that include sills. It really is
Speaker 6: whatever you signed for.
Speaker 26: Okay, Well, they told me that they would replace the shills,
Speaker 26: because that was my problem, was that.
Speaker 7: In your contract.
Speaker 26: I believe it was.
Speaker 6: Well, let me see your contract then, Marlene, because listen,
Speaker 6: if they said windows and sills and trim, then you
Speaker 6: get it. If it doesn't, you're not gonna get it.
Speaker 6: I mean, Marlene, listen, I understand what you're saying.
Speaker 15: Though.
Speaker 6: I understand they looked at the sills and said, oh man,
Speaker 6: you need all new windows. I think what they were
Speaker 6: saying is the reason your sills are rotting is because
Speaker 6: they got wet from the old windows. You need to
Speaker 6: put in new windows, which was probably correct, But the
Speaker 6: sills themselves, if they are attached to the molding. When
Speaker 6: you look at the sills and they pulled out the windows,
Speaker 6: that sill was still attached to the molding.
Speaker 13: Is that right?
Speaker 6: Yes, Okay, then it's not I know you're not gonna
Speaker 6: like hearing this, but then it's truly not part of
Speaker 6: the window.
Speaker 23: Exactly.
Speaker 6: Well, well, it can't be that much to put two
Speaker 6: new sills or even all new trim up.
Speaker 7: It can't be that much.
Speaker 26: Well, they insisted that they couldn't do that, that they
Speaker 26: had to replace the windows in order to replace them.
Speaker 7: Marlene, Marlene, it doesn't matter about that. I get what
Speaker 7: you're saying. They were kind of right.
Speaker 6: They're telling you that if they replaced the trim and
Speaker 6: the sill, it would probably rot again because of the
Speaker 6: old windows, the old windows.
Speaker 7: Probably how old were the old windows They were.
Speaker 26: Thirty years old.
Speaker 6: Yet then they needed to be Listen. I don't think
Speaker 6: you did a bad thing replacing the windows. You just
Speaker 6: got to get your head around this. So now all
Speaker 6: you need to do is put in new trim with
Speaker 6: new sills. That is not unusual to do when you
Speaker 6: change the windows. But if you did not pay for
Speaker 6: the trim and the sills, it's not automatically done.
Speaker 20: I did pay for it.
Speaker 6: We're okay, then you're gonna okay, put her on hold.
Speaker 6: Show me the contract because I don't see it in
Speaker 6: your email. Show me the contract that says replacement windows,
Speaker 6: trim and sill. Just show me, and I promise you
Speaker 6: will fight for you, okay, because I need to see the.
Speaker 7: Contract because you you you said they don't. They said
Speaker 7: it's not part of the replacement window. Okay, it's not.
Speaker 6: But you said you bought everything, the new sills with
Speaker 6: the trim. That's what I need to see, Kachina. There's
Speaker 6: no sense going in circles. I need to see your contract.
Speaker 6: Three oh three seven one three talk seven one three
Speaker 6: eight two five five. So, buddy Mitchell, we got a
Speaker 6: quick question here about the They want to know on
Speaker 6: a basement floor, someone recommended a sub floor. Someone else
Speaker 6: recommended a thin set. They want to know what does
Speaker 6: that mean? What does she need normally on a floor
Speaker 6: when she's putting down LVP.
Speaker 7: Go ahead, there, there you go, sirt.
Speaker 17: We we go in and grind the high spots in
Speaker 17: the concrete and level and then level.
Speaker 7: It so you don't have to be done. You don't
Speaker 7: do a thin set whatever that is.
Speaker 17: Thin set is level okay, right, we use a special
Speaker 17: material that bonds with the concrete. After you grind it,
Speaker 17: you grind it and the wrong word they're using the
Speaker 17: wrong word.
Speaker 7: You're using whatever a level or so. But first you
Speaker 7: grind to almost level.
Speaker 17: Well, grind as much as we can, yeah, and then
Speaker 17: you put the level or we do flattener flattener okay, okay,
Speaker 17: we're not going to make the whole base get flattener.
Speaker 13: Right.
Speaker 7: Do you ever need a sub floor put down?
Speaker 13: No?
Speaker 7: Okay? What is they want to know this? Do they
Speaker 7: need a vapor barrier? Yes?
Speaker 13: What is that? Well?
Speaker 7: Okay, yes and no okay.
Speaker 17: A vapor barrier is a piece of plastic, a six
Speaker 17: mili piece of plastic that you lay on the floor
Speaker 17: and then you put the LVP over it.
Speaker 7: Okay.
Speaker 17: I've been doing basements for ten years. Yes, I work
Speaker 17: with lots of basement companies. Okay, we never did it.
Speaker 17: We've never had an issue. But if you have an issue,
Speaker 17: you know they're going to say, oh, you should have Now.
Speaker 17: The LVP companies came out about a year year and
Speaker 17: a half ago and started requiring it.
Speaker 7: So they didn't. No, because it traps moisture, So you
Speaker 7: don't put vapor berries. We don't. We checked the liability
Speaker 7: and you've not had any problems.
Speaker 17: I have done six to seven basements a week for
Speaker 17: ten years and never had a problem.
Speaker 7: Never had a problem. Oh, never happened.
Speaker 17: Well, I had problems in the beginning because I didn't
Speaker 17: flatten the floors, okay, and then I had a problem
Speaker 17: in the beginning because I used the home depot floor
Speaker 17: level or and over time people walking on it, it
Speaker 17: turned into like gravel because it didn't chemically bond.
Speaker 6: And the new stuff chemically bonds. Yes, that sounds like
Speaker 6: some good stuff, right.
Speaker 17: Yeah, it's specially designed to make the floor flat and
Speaker 17: it bonds with the concrete below it.
Speaker 7: All right, So that's simply Floors Inc. Dot Com.
Speaker 6: I was asking us because he's got just straight information. Hey, uh, Sally,
Speaker 6: what's your question about a judgment.
Speaker 19: Called your property manager that stole my rent and my
Speaker 19: security deposits?
Speaker 6: Wait a minute, wait a minute, you what do you
Speaker 6: mean they stole What do you mean the property manager
Speaker 6: stole it?
Speaker 19: Well, the tenants paid by zell I think it is.
Speaker 7: And he's, oh, you're you are? You are the landlord.
Speaker 19: I'm the landlord, but the property manager collects the rent
Speaker 19: and then they're supposed to disperse to me.
Speaker 7: Oh, now did you fire this property manager?
Speaker 19: Well, I didn't have to because I couldn't get a
Speaker 19: hold of him. I just went to the police like
Speaker 19: you told me to do. And that was a year ago.
Speaker 7: And now I oh, wait, Sally, so you called me
Speaker 7: on this a year ago.
Speaker 19: Yeah, it took that long. And what happened, well, actually,
Speaker 19: you know you were so firm about it. You go
Speaker 19: talk to the tennis.
Speaker 6: This was a Darryl Darryl evangelista. Right, okay, hold on,
Speaker 6: I'll come right back. Hold on, dear, I'll come right
Speaker 6: back to you. I remember this clown three oh three seven, one,
Speaker 6: three eight, two five five more coming right up on
Speaker 6: the Troubleshooter Show.
Speaker 7: And I want to tell you about this.
Speaker 6: Excel Roofing is the best roofer, not just because of
Speaker 6: how they do roofs, but how they inspect the entire
Speaker 6: roof system. I'm gonna give you a personal sample. My
Speaker 6: attic was one hundred and thirty degrees and I thought
Speaker 6: I was doing everything right. That would have ruined my roof,
Speaker 6: my decking and everything if.
Speaker 7: I didn't go to Excel.
Speaker 6: They do more than roofs. They know the entire roof system.
Speaker 6: They know how to make roofs last forever.
Speaker 7: I mean not forever, but you know what I mean.
Speaker 6: Right, Excel as an excellent ex Cel Excel Roofing dot com.
Speaker 6: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation. In comparison,
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three all three seven
Speaker 6: to seven to one.
Speaker 7: Help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three all three nine two zero
Speaker 6: sixteen twenty two. Hi Tom Martino, you're troubleshooter. So I
Speaker 6: have a picture of Darryl Evangelista. He's still in business,
Speaker 6: still advertising big, but Sally said he took several rents
Speaker 6: and never passed him on as a property manager.
Speaker 7: So did you get a judgment against them sally, Yes.
Speaker 19: So I sort of like run that. But that's part
Speaker 19: of my question, like what happens now and what does
Speaker 19: it mean if he doesn't pay and I go to
Speaker 19: civil court? I don't get it.
Speaker 7: Well, you already got a judgment, so you did go
Speaker 7: to civil.
Speaker 19: Court, right, I went to a law court, but you
Speaker 19: know it was just in August first, so I haven't
Speaker 19: gotten any.
Speaker 7: Did the judge, did Darryl show up?
Speaker 19: He shut up and then he said, yeah, I did it.
Speaker 22: I took it.
Speaker 7: Well, let me ask you. Was this a law enforcement
Speaker 7: action or was this a civil or was this a
Speaker 7: lawsuit you brought?
Speaker 19: It was law because I don't know anything about what
Speaker 19: civil means.
Speaker 6: Okay, okay, So in other words, why were you there?
Speaker 6: Did the police contact you?
Speaker 4: Well?
Speaker 19: I contacted them and gave a report.
Speaker 7: And then he was arrested. Did the court order restitution?
Speaker 19: Correct?
Speaker 7: How much restitution per month?
Speaker 4: Well?
Speaker 19: I don't that's part of my question. I don't know
Speaker 19: the details. And of course I can call them now,
Speaker 19: but I called you first.
Speaker 6: Okay, here's what you need to do. You're saying, how
Speaker 6: do you know there was a rid of reimbursement or restitution?
Speaker 7: How do you know that.
Speaker 4: The judge said, so good.
Speaker 6: Now you need to contact the clerk of the courts
Speaker 6: or that court case. Yep, and you need to ask
Speaker 6: them for details in the jacket on how much in
Speaker 6: the transcript, how much was ordered that he pay and
Speaker 6: when does it start?
Speaker 21: When was the hearing August first?
Speaker 7: And was it brought by the DA. Yes, they will
Speaker 7: have the information too.
Speaker 19: They said state of Colorado on there, so I assume
Speaker 19: that's the same thing.
Speaker 7: It may be the Attorney general. Do you know if
Speaker 7: there were a lot of victims.
Speaker 4: There was.
Speaker 19: I know there was one other victim before I came along,
Speaker 19: but that didn't come up in the discussion.
Speaker 7: So you were at the hearing.
Speaker 19: At the restitution hearing, is okay.
Speaker 6: So contact that judge or the district attorney and they'll
Speaker 6: give you all the details you need. On reimbursement, it
Speaker 6: happened to me once where somebody was ordered and then
Speaker 6: they send checks and if they don't, you contact the
Speaker 6: courts and they put them in jail. So you don't
Speaker 6: really need you do not need a civil judgment unless
Speaker 6: you wanted to do go beyond the criminal institution.
Speaker 19: I don't want to go beyond that. I just want
Speaker 19: what the judge told me I should get.
Speaker 7: What did the judge say you should get?
Speaker 1: Well?
Speaker 19: I had it's nine two hundred. He got a little bit,
Speaker 19: and I got the bulk of it. But I just
Speaker 19: don't know the details. And that's why I was called who.
Speaker 7: Got a little bit and you got the bulk of it?
Speaker 9: Who got a lill mount?
Speaker 26: Was ten?
Speaker 24: Nine?
Speaker 19: Then the judge said, okay, Darryl, you can have the
Speaker 19: half month's rent for finding the tenant and six hundred.
Speaker 7: Oh, I get it, got it? I get it. So
Speaker 7: he he said, I'll subtract what your fees would have been.
Speaker 6: Got it?
Speaker 7: Did he say how much he has to pay that?
Speaker 7: And how.
Speaker 19: No, that's actually why I'm calling you. I know, I'm always.
Speaker 6: Okay, normally listen carefully. Normally they they set out a
Speaker 6: payment plan.
Speaker 26: Yep.
Speaker 7: You may want to take that judgment.
Speaker 6: And get you may want to take that court ruling
Speaker 6: and get what's called the transcriptive judgment. Okay, And that
Speaker 6: would mean then you could go go for clothes on
Speaker 6: stuff he owns.
Speaker 7: Does he own a home?
Speaker 19: That's a little beyond me, I think, But Sally.
Speaker 7: Sometimes you got to hire an attorney.
Speaker 9: Yep.
Speaker 7: So I suggest you start with Frank Ball B A L. L.
Speaker 7: Frank Ball.
Speaker 6: Is a collection attorney, a really good I don't know
Speaker 6: if he can take your case or not. He has
Speaker 6: a lot of regular clients, but he might have a
Speaker 6: reference for you, or he might add fees. It depends
Speaker 6: on what this restitution order is all about.
Speaker 19: So I really need to see that transcriptive judgment that
Speaker 19: you mentioned before.
Speaker 7: I guah, yes, or or or the court order for restitution.
Speaker 6: You need to get that in your hands and then
Speaker 6: ask Frank about collecting on it.
Speaker 7: Okay, he may have some ideas on how to collect
Speaker 7: on it.
Speaker 4: Well.
Speaker 19: And maybe the first payment isn't due for three months.
Speaker 7: I don't know, Maybe that's right.
Speaker 6: That's why you need to get the details from the
Speaker 6: court and when and if you can't. If you can't,
Speaker 6: you call me back because I got a record of
Speaker 6: your call. I brought it right up and we will
Speaker 6: revisit this.
Speaker 19: I'm astounded.
Speaker 6: Yeah, well, I really do keep records of people who
Speaker 6: call because we want to help them. So thank you
Speaker 6: for calling back and letting a snow where you stand.
Speaker 6: Three oh three seven one three talks seven one three
Speaker 6: A two five five more coming right up, go with
Speaker 6: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 6: You don't pay a cent until you're content. Time for
Speaker 6: an insurance check up free, no obligation. In comparison, call
Speaker 6: Compass Insurance paying too much your coverage at dozens of
Speaker 6: insurance companies find out Now three oh three seven seven
Speaker 6: to one help. You'll think you're his only customer when
Speaker 6: you choose Frank durand the real estate Man dot com
Speaker 6: to list your home with Remax Alliance three oh three
Speaker 6: nine two zero sixteen twenty two. Tom Martine here three
Speaker 6: oh three seven one three talks seven one three eight
Speaker 6: two five five. By the way, Killing Park is law
Speaker 6: KP dot com Killing Park for estate planning and wills.
Speaker 7: Somebody asks me, do they really do all of the
Speaker 7: planning free? And the answer kind of yes, they do.
Speaker 6: They They come up with all the strategy with pricing
Speaker 6: next to it, so they won't execute the trust, but
Speaker 6: may recommend a trust. They don't actually write the will,
Speaker 6: but recommend the will or recommend the rebate, the review
Speaker 6: or the update or whatever, and then or the beneficiaries deed.
Speaker 6: All of that's recommended with pricing and then you decide
Speaker 6: how much of it you want to do LAWKP dot com.
Speaker 7: Now let's talk people.
Speaker 6: Let's go back to Okay, it's at lara'stern, Lara an
Speaker 6: issue on banking.
Speaker 7: What's going on?
Speaker 22: Lara?
Speaker 25: Yes, Hi, I married my husband is a second marriage
Speaker 25: for both of us three years ago, okay. And she
Speaker 25: claims bankruptcy nine years ago okay, prior to when we
Speaker 25: were married and prior to when we coming go.
Speaker 7: Sounds right.
Speaker 25: We found out today, like the bank didn't even call us.
Speaker 25: It was a check he wrote for a used car
Speaker 25: to a young woman who had blown up her engine.
Speaker 25: She tried to cast the check and the and the
Speaker 25: bank said that the that the bank accounts were frozen.
Speaker 6: Wait a minute, Wait a minute, this check that he wrote,
Speaker 6: When did he write this check?
Speaker 25: Oh, probably two weeks ago?
Speaker 7: And and was it a legit check? He did write
Speaker 7: this check, Yes, you did.
Speaker 25: We bought a used vehicle from a young lady down
Speaker 25: the road. And so what I'm saying by that is
Speaker 25: that a bank didn't call us to tell us that
Speaker 25: it was frozen. We had to find out because they
Speaker 25: didn't honor a check that why was you why was
Speaker 25: your bank account frozen while they're saying that it was
Speaker 25: frozen because of a disbankruptcy nine years ago.
Speaker 7: Why though, that doesn't make sense. Was the bankruptcy discharged?
Speaker 6: Yes, that means by the way, for those listening, discharged
Speaker 6: means good, it was all on, all the debts went away.
Speaker 7: Dismissed would not be good.
Speaker 6: Okay, So the bankruptcy was discharged how long ago?
Speaker 25: Nine years ago?
Speaker 7: And nine wow?
Speaker 25: And he's had accounts with the same bank, it's that
Speaker 25: credit Union, same bank since that time. And then we
Speaker 25: opened a joint EXE.
Speaker 6: So are are you saying right now you could not
Speaker 6: get your money out of that account?
Speaker 26: No, no, we can't.
Speaker 25: We can't use those accounts at all, which includes my
Speaker 25: money from the sale.
Speaker 19: Of my home.
Speaker 6: Okay, hold on, something something is wrong. Why something obviously
Speaker 6: got screwed up. I mean, I can't even imagine why
Speaker 6: a nine year old case is coming back to haunt you.
Speaker 25: I don't know either.
Speaker 19: We haven't.
Speaker 25: We're going down there. They said that they can't do
Speaker 25: anything over the phone, so we're going down there today.
Speaker 6: But I just want to know what my like, Okay, right,
Speaker 6: I mean, here's what we're gonna do. Here's what we're
Speaker 6: going to do. We're going to get Mike Wink. Let's
Speaker 6: try to get Mike Wink on right now, Kachina if
Speaker 6: we can, Okay from the Wink Law firm. He does bankruptcy.
Speaker 6: He's our bankruptcy expert, Kaschina. Let's try to do that
Speaker 6: before the end of the show for her. Hold on,
Speaker 6: all right, Lara, We'll try to get someone on to
Speaker 6: answer for you. Three oh three seven one three eight
Speaker 6: two five five Mike, what's going on with you?
Speaker 11: Hello, Mike, Hi Tom, Thank you for taking my call.
Speaker 11: I had a couple of things that I wanted to
Speaker 11: point out to your listeners. Yes, I have recently gone
Speaker 11: online and ordered two mattresses from two separate companies for delivery.
Speaker 7: Yeah.
Speaker 11: And when I talked to those companies, I asked them
Speaker 11: to provide proof of liability insurance so that I know
Speaker 11: they were covered when they came into my house to
Speaker 11: deliver the mattresses.
Speaker 7: Huh, that's weird. I would have not asked for that,
Speaker 7: but go ahead.
Speaker 11: Well, those are the manufacturers the mattresses, so I generally
Speaker 11: asked for proof of liability if somebody comes on my
Speaker 11: roof or Okay, well that's good.
Speaker 7: No, that's a good practice. So what happened?
Speaker 11: So both of them said, no problem. One one mattress
Speaker 11: was a different manufacturer, the other was another, And so
Speaker 11: they sent me their proof of insurance.
Speaker 6: Now did you ask for proof of insurance specifically for
Speaker 6: deliveries or just proof of insurance.
Speaker 11: Well, that's what I'm getting to. I said, I need liability.
Speaker 11: I told them both, and I had it in writing
Speaker 11: and emails. I said, I need your liability insurance for
Speaker 11: when you deliver the mattress into my home. Both of
Speaker 11: them said, no problem, we got it, we'll happy it.
Speaker 11: We'll be happy to send it to you. I said,
Speaker 11: I need to see or they actually said, our delivery
Speaker 11: people will have it with them. I said, no, no,
Speaker 11: I need to be able to look at it and
Speaker 11: call the insurer to make sure it is valid and
Speaker 11: it is correct. And they said, oh, that's no problem.
Speaker 11: So they forwarded me those two insurance. They did not however,
Speaker 11: they didn't cover from the driveway into the house. They
Speaker 11: all all of these delivered, not all of them. These
Speaker 11: two specific mattress companies, very large ones online said we
Speaker 11: use third party subcontractors to actually bring it into your home.
Speaker 11: We cover liability to the driveway. I said, well, that
Speaker 11: isn't what I had.
Speaker 6: But hold on, I'm getting I'm getting tied up here.
Speaker 6: When you ask for liability for deliveries, they said, we
Speaker 6: only have liability to your driveway.
Speaker 11: Well, so I was assuming that they took responsibility to
Speaker 11: deliver we're into my bedroom because I asked for a
Speaker 11: takeaway and delivery of the mattress into my house.
Speaker 7: Got it.
Speaker 11: I was told yes, that's not a problem. I said, okay,
Speaker 11: send me the proof of insurance. Okay, you're covered for that.
Speaker 11: And they did, and I said, okay, but it doesn't show.
Speaker 11: They said, here's I said, who's delivering it? They gave
Speaker 11: me the name of the delivery company, which was a
Speaker 11: subcontractor that they had asked to deliver it. I said, well,
Speaker 11: I don't see the subcontractor under your liability insurance. Oh well,
Speaker 11: we don't do that. They have to give you. I said, whoa, wha,
Speaker 11: wha Wait a minute, that's you. I contracted with you
Speaker 11: to bring the mattress into my house, and that you
Speaker 11: said that you would cover that. Your liability insurance covers that.
Speaker 11: Now you're telling me it doesn't. Now the point I'm
Speaker 11: making tom is I think the listeners need to understand
Speaker 11: that many of these folks that deliver things to your
Speaker 11: house are actually subcontractors from major manufacturers. For instance, By
Speaker 11: way of example, let's take Excel Roofing. I'm assuming that
Speaker 11: Excel Roofing doesn't use subcontractors to put roofs on the house.
Speaker 7: Yes they do, Yes they do.
Speaker 11: Subcontractors are covered under Excel's liability insurance or those subcontractors
Speaker 11: have liability insurance insurance themselves. Okay, so that's the same
Speaker 11: situation I encountered when I asked for these online mattresses.
Speaker 11: I was shocked. Most of those manufacturers only cover liability
Speaker 11: up to the driveway.
Speaker 6: I get it, I get it. But what liability would
Speaker 6: there be up to the driveway anyway?
Speaker 11: Well, there's no liability driveway. The liability is what damage
Speaker 11: they do to my house when right, So.
Speaker 7: What you're saying, I understand what you're saying.
Speaker 6: You're saying that when a third party delivers to your
Speaker 6: home that unless they're covered under the company's own insurance,
Speaker 6: they have to have their own unless they're covered under
Speaker 6: the manufacturers. I get what you're saying. So did you
Speaker 6: call the delivery company to see if they have liability.
Speaker 11: Yes, I did because I have a lot of artwork
Speaker 11: in my home.
Speaker 7: No, I get it, and did did the delivery company
Speaker 7: have liability?
Speaker 11: So if you damage something that you're covered. Both subcontractors
Speaker 11: said no, we're not, and we won't produce that. We've
Speaker 11: never had to we've done. Nobody's ever argued against that.
Speaker 7: Okay, so what you're saying.
Speaker 11: So I went back to the manufacturer and said, cancel
Speaker 11: the order. You told me.
Speaker 9: Stop.
Speaker 11: You told me what I bought was a delivery to
Speaker 11: my home that you provide I did for people to
Speaker 11: come get it and put it in. That onus is
Speaker 11: on you.
Speaker 6: So right now they I don't what are you going
Speaker 6: to do for any delivery because I doubt you're going
Speaker 6: to find many of.
Speaker 11: Them we do, whether it's somebody that's paying my house
Speaker 11: or a roofer. I'm going to ask to see that.
Speaker 11: I'm going to as I told them, I said, well,
Speaker 11: I'm canceling the order. They said, well. One of the
Speaker 11: mattress company said, well, we'll be happy to send you
Speaker 11: back the money for our service to take your to
Speaker 11: bring your mattress in and take it away. And I
Speaker 11: said no, no, no, you contracted to deliver the mattress
Speaker 11: to my bedroom. I said, I'm not paying for the mattress. Yes,
Speaker 11: you can take it away.
Speaker 13: I e.
Speaker 11: The two hundred dollars charge for the delivery into my
Speaker 11: house and the takeaway. But then you're going to charge me.
Speaker 11: I'm going to have to pay for the mats. They said,
Speaker 11: that's correct. I said, wrong answer. I'll cancel it on
Speaker 11: my credit card. That's not what you contract.
Speaker 7: You do understand your homeowners would cover them.
Speaker 11: Right well, I do understand that, but that's not the point.
Speaker 7: Okay, Well, then you live with your decision.
Speaker 11: That's when they contract to do something.
Speaker 7: I'm not saying.
Speaker 6: Listen, I understand what you're saying. When they contract to
Speaker 6: do something. They contracted to deliver to your bedroom. I
Speaker 6: get it if they didn't have the insurance you want.
Speaker 6: I also get your right to cancel. So everyone agrees, Right.
Speaker 11: Well, I accept that this is what you contractually obligated
Speaker 11: yourself to. If your delivery personnel are not able to
Speaker 11: provide that, and you tell me that you have provided that,
Speaker 11: you the manufacturer are telling me that they're covered, and
Speaker 11: I see your policy that isn't This is being disingenuous.
Speaker 7: But here's what I think. I think if you had
Speaker 7: if there ever was damages, it doesn't matter if they're
Speaker 7: insured or not, they would be liable. And if it
Speaker 7: was a lot, I think you could. I think you
Speaker 7: could go to the manufacturer.
Speaker 6: You never signed a separate contract with the delivery company,
Speaker 6: so I think even though they don't have insurance, hold on.
Speaker 7: Not having insurance does not take away liability.
Speaker 6: Okay, it doesn't take away liability, just like having insurance
Speaker 6: doesn't prove liability.
Speaker 7: We got more coming up.
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Speaker 7: Help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three oh three nine two zero
Speaker 6: sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Okay,
Speaker 6: let's go right to Mike wink. Mike, Listen, why would
Speaker 6: this woman married a guy who had a bankruptcy discharged
Speaker 6: nine years ago? And just recently their joint bank account
Speaker 6: was frozen and they were told the bank told them
Speaker 6: on the phone it was due to their bankruptcy.
Speaker 7: Now, what's that? What could possibly come up that would
Speaker 7: cause that?
Speaker 13: Boy?
Speaker 11: I don't know.
Speaker 15: Nine years you said, yeah.
Speaker 6: Nine years ago it was discharged. She wasn't even married
Speaker 6: to him. Now their joint account, their joint count is
Speaker 6: locked up.
Speaker 7: Can can what does she do?
Speaker 13: I'm curious. I'll definitely jump on that and see if
Speaker 13: we can.
Speaker 6: Okay, here, here's what we're gonna do. I want to
Speaker 6: get her back on in the morning so we don't
Speaker 6: run out of time. Right now, Lara, we're gonna ask
Speaker 6: Mike to look into this and just see why this
Speaker 6: would happen. Meanwhile, Kaschina, you might want to give her
Speaker 6: Mike's number right now. I'm Tom Martina. Don't forget three
Speaker 6: zero three Martino