Speaker 1: Yea ripped.
Speaker 2: You need advice so you don't have.
Speaker 3: Come running.
Speaker 4: Just as fast as we can, show Shooter's gonna help come.
Speaker 5: Man six is the Troubleshooter Show Now, Tom Martine.
Speaker 6: Hello, Tom Martino here, Welcome to the show. Three oh
Speaker 6: three seven one three Talk three oh three seven one
Speaker 6: three eight two five five. How you doing today? What
Speaker 6: can we do to solve your problems? Answer your questions,
Speaker 6: take your complaints, make your life a little easier?
Speaker 7: Major?
Speaker 6: Mark, Major on the other mic, Mark on the mic.
Speaker 6: What's happening? I am here, sir? Anyway, Yes, sir, And
Speaker 6: for those streaming, you'll see a weird camera view of Mark.
Speaker 6: They got kicked out of their house. Now, why we're
Speaker 6: out here, out of your house. They're standing weather and
Speaker 6: installing new hardwood. Then they're standing everything to match our
Speaker 6: entire first floor. So we are living out of an
Speaker 6: RV for a week. Oh, that's kind of fun, camping
Speaker 6: right at the house there. The dogs must be confused
Speaker 6: as hell. Wait, wait, we're not going, but we're not gone. Yeah,
Speaker 6: that's right anyway. Three oh three seven one three Talks
Speaker 6: seven one three two five five. This hour brought to
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Speaker 6: past forty five years, that's just here in Denver, not
Speaker 6: town before, but the past forty five years to have
Speaker 6: some of the best sponsors in the business people.
Speaker 7: I expect you to hold.
Speaker 6: Me to my word, and if you have a problem
Speaker 6: with someone I recommend, I want to know it. I
Speaker 6: swear to you. And the reason I brought this up
Speaker 6: is I got this this text, well it's I guess yeah,
Speaker 6: it's a text earlier saying I think you'd sing another
Speaker 6: tune if that person wasn't on your referral list. He
Speaker 6: was referring to the Gravina call of the other day,
Speaker 6: where we're really there was a problem. There was a problem,
Speaker 6: but it was clear that it was a manufacturer problem,
Speaker 6: and the guy wanted to help her with the manufacturer anyway,
Speaker 6: this guy thought I'd be demanding the install a new window,
Speaker 6: calling them lion sheets and ripoffs. If you truly, truly
Speaker 6: objectively go back in your memory banks. I treat everyone
Speaker 6: the same. Now I expect actually I'm harder on those
Speaker 6: on the referral list. I expect him to go the
Speaker 6: extra mile. Now here's the point, does anyone really believe?
Speaker 6: I mean, seriously, it gets tiring after a while. So
Speaker 6: I've been doing this forty five years and people think, oh, well,
Speaker 6: you just treat that person this way, or you just
Speaker 6: did this, or you manufacture You made this up from
Speaker 6: my career from television to radio because I go after people.
Speaker 7: It's a controversial career.
Speaker 6: So I have people all the time excuse me, you
Speaker 6: would do this and you do that. You're taking money
Speaker 6: on the side, you're doing this, you're doing that. Even
Speaker 6: Channel seven in the Day back in several years ago
Speaker 6: tried to do a sting on me and had me
Speaker 6: go in a room and a guy offers me six
Speaker 6: grand in a brown paper bag.
Speaker 7: I mean, come on to be on my referral list
Speaker 7: for when No, here's what happened, Mark.
Speaker 6: Honest to God, Channel I think it was Kobaleski and
Speaker 6: Ferugia trying to make their mark by going after Martinez.
Speaker 6: So that just goes to show you who they considered
Speaker 6: on a pedestal. But anyway, what happened was this guy
Speaker 6: who had the worst moving company in the world, and
Speaker 6: I put him on my sleeves brigade. So he called me, Tom,
Speaker 6: I need to talk to you. I was approached by
Speaker 6: Channel seven to do a sting on you, and I
Speaker 6: said what he says, Yeah, they want me to offer
Speaker 6: you six grand in a brown paper bag to be
Speaker 6: on the referral list cash. So because you know, you
Speaker 6: set up such a sleeve now Mark, this is true story,
Speaker 6: so I said.
Speaker 7: Go ahead and do it.
Speaker 6: I said, go ahead and do it, you know, so
Speaker 6: you know, I walk into this obvious set up, real
Speaker 6: bright light. So anyway, it's just funny because you know,
Speaker 6: does anyone really believe, I mean, taking bribes even judges
Speaker 6: and stuff. I imagine there are some slying scum bags
Speaker 6: in the in the Bush administration, there were for sure,
Speaker 6: But for me, I mean truly, why, especially at my age,
Speaker 6: but at any age, why would anyone risk an entire
Speaker 6: career to do something counter to their beliefs. Now, obviously
Speaker 6: there are scumbags out there, but do you know most
Speaker 6: of the people we meet, even on this show, most
Speaker 6: of the people we meet, the vendors, the people that
Speaker 6: are complaining to turn out to be not so bad.
Speaker 7: I mean, Deputy d you do a lot of problem solving.
Speaker 6: I want to ask you something, So, how many times
Speaker 6: we really find scumbags?
Speaker 8: Oh, I'd say it's pretty unusual. Yes, I would really
Speaker 8: most of the time it's a legitimate.
Speaker 7: Mistake or some kind maybe or scumbag.
Speaker 8: I would say, maybe less, a little less than ten percent.
Speaker 6: A little less, I'd tell you, actually two I said
Speaker 6: one to two percent. I mean of real, true evil
Speaker 6: scumbags that want to rip people off Martin, like like
Speaker 6: Jeff Jolliffe. Okay, how many Jeff joalaffs or or Mike
Speaker 6: sharreiefs from way back in the day with four by four?
Speaker 7: But what was that other guy?
Speaker 8: Well, don't forget about someone who, in my personal opinion,
Speaker 8: is just a satanically graded Satanic grade the scumbag which
Speaker 8: would be.
Speaker 6: Grade oh my god, But it's only my opinion.
Speaker 8: Justin Garcia for from Patriot remodeling, who took an elderly
Speaker 8: lady's last sixty thousand dollars and has steadfastly refused to
Speaker 8: give it back.
Speaker 6: And oh but we've messed some We've met some people.
Speaker 6: Oh my god. You go to sleas brigade dot com.
Speaker 6: You can get an idea Mark who stands out to
Speaker 6: is being incorrigible.
Speaker 9: Don Eiley is probably the one that always comes back
Speaker 9: because not only many ruined a lot of businesses, but
Speaker 9: there was some suicides because of him.
Speaker 6: He's an evil piece of Yeah. He takes these small
Speaker 6: companies and says he'll do their payroll. So he submits
Speaker 6: the irs no payroll, meaning for that quarter they had
Speaker 6: no payroll. So then he submits to the employee employer
Speaker 6: he works for all of the real costs.
Speaker 7: They write him checks.
Speaker 6: He keeps the money because you write him to your
Speaker 6: accountant and then they forward it to they take it
Speaker 6: in trust in some cases. So Mark what we estimated
Speaker 6: about twenty million. Mark goes down and confronts him live
Speaker 6: on the air. The guy is like a zombie, just
Speaker 6: keeps like like Mark's not even there. It's it's like
Speaker 6: a Saturday Night Live skit. Anyway, Mark, so he goes
Speaker 6: he literally was arrested all of the people that call
Speaker 6: the show. We started this whole thing. I mean, we
Speaker 6: started all the noise and everything. So he goes to
Speaker 6: prison and then Mark's looking on the Better Business Bureau
Speaker 6: page and what did you find, Mark.
Speaker 9: Well, he had a triple live star rate plus triple
Speaker 9: or whatever they call it, a plus.
Speaker 6: Rating on the BA A plus a plus.
Speaker 9: I think he actually off himself in prison or died
Speaker 9: in prison. In the last year, I received two emails
Speaker 9: that he died in prison, but he got twelve years.
Speaker 6: But when you go to.
Speaker 9: The fedpen you get an automatic ten percent or twenty
Speaker 9: percent good behavior. So but I heard he died now man.
Speaker 9: But the other one time was Jay Lopez. He would
Speaker 9: go to different counties. He would get anywhere from three
Speaker 9: to five grand upfront to do a driveway new cement
Speaker 9: and never show up. I mean, this guy never did
Speaker 9: anything but cash the check, and we got his ass
Speaker 9: throat in jail.
Speaker 6: Yeah. Well, then we have Jim Wiese Sleazy Auto service
Speaker 6: in Bennett forty fourth and this guy that you can
Speaker 6: this guy you confronted.
Speaker 7: I don't even know if you remember that. Henry Gonzalez.
Speaker 6: I remember saying after you went to him. I put
Speaker 6: it on the Sea Spagade. Worst body shop ever. Henry
Speaker 6: Gonzalez gives Bondo a bad name. Yeah he was.
Speaker 2: He was in.
Speaker 6: That guy worked out of his house or a garage.
Speaker 6: He built out of his house, and it was.
Speaker 9: Either Elizabeth or Parker, and he wouldn't even let me
Speaker 9: on the property.
Speaker 6: That guy.
Speaker 9: How about This guy turned out to be okay, but
Speaker 9: he had a window company. His last name was Romerez.
Speaker 9: So you know, back in the day, I thought I
Speaker 9: was pretty bad ass. I went and knocked out this
Speaker 9: guy Guy's door down in Highland's Ranch, and I think
Speaker 9: we were live and I was walking up to him.
Speaker 9: The biggest guy I ever saw. He played linebacker for
Speaker 9: the damn Raiders. Oh yeah, yeah, he scared the hell
Speaker 9: out of me.
Speaker 6: Man.
Speaker 9: I was like, oh, you know what, maybe we don't
Speaker 9: have a problem with you.
Speaker 6: I gotta go. He was huge. Anyway, these are good
Speaker 6: memories people. If you remember a really good case, you
Speaker 6: want to know whatever happened to question Mark. Let us know, Alice,
Speaker 6: you have a car engine. What's going on with your
Speaker 6: car engine?
Speaker 10: Yes, my son took it to Accurate Motors in North Glenn.
Speaker 6: And they now, hold on a second. Did he take Alice?
Speaker 6: So he took it there for a rebuilt engine?
Speaker 10: No, a new engine they were supposed to okay, new
Speaker 10: engine from Jasper's engines. Jasper Engines.
Speaker 6: Yeah, well that's okay. They're called remanufactured. They're called remanufactured engines.
Speaker 6: But I here's what I need to know about this.
Speaker 6: What kind of a car? Tell me about the car.
Speaker 10: It's a Shoot thousand and eighteen Arcadia, I believe gmc arcadia.
Speaker 10: I'm not sure about the year, but I'm okay, I
Speaker 10: know it's a GM.
Speaker 6: No, that's okay, Okay, hang on and we'll come right
Speaker 6: back to you. And so he took his Arcadia up
Speaker 6: to what's the name of the shop?
Speaker 8: Accurate looks like Accurate Automotive.
Speaker 7: Up this it's called Accurate Automotive.
Speaker 11: Now.
Speaker 6: The reason I'm very hesitant about that name. We got
Speaker 6: to be very careful if we have a wonderful company
Speaker 6: called honest Accurate Auto down in the in the Springs.
Speaker 6: But in case, we're gonna come back and talk. What
Speaker 6: happened at Accurate Auto? And where's that in Thornton? Looks
Speaker 6: like North Glenn and North Glenn. I'm on their website,
Speaker 6: right okay, so we're gonna look into this right after
Speaker 6: this message.
Speaker 7: I'm Tom Martino, and the message.
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Speaker 6: Time for an insurance check up free, no obligation. In comparison,
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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
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Speaker 6: three nine two zero sixteen twenty two. Hi Tom Martine
Speaker 6: here three oh three seven to one three talk So Alice,
Speaker 6: your son took us twenty eighteen gmc arcadia to Accurate
Speaker 6: auto in North Glenn and then.
Speaker 7: And the name and Accurate said.
Speaker 10: Go ahead, They've replaced they replaced the engine. A couple
Speaker 10: of months later, he was having issues with it leaking,
Speaker 10: so he took it back to them and they said
Speaker 10: that the rear main field was leaking and that wasn't
Speaker 10: part of the engine that they replaced, and so he
Speaker 10: took it to.
Speaker 6: Well, okay, it's it's not it's not it's not part
Speaker 6: of the engine, but it's kind of a little I
Speaker 6: don't think it sounds good because when they did the engine,
Speaker 6: I believe they had to disconnect it from their rear
Speaker 6: main seal and right Mark right to Dmitri, Right, guys,
Speaker 6: they just.
Speaker 4: That.
Speaker 7: Okay, so they.
Speaker 10: Engine people and they say that it is supposed to
Speaker 10: be replaced when you put the engine, because as it
Speaker 10: all comes.
Speaker 6: Back, that's what I thought. I don't know if it
Speaker 6: was supposed to be replaced, but what I do want
Speaker 6: to say is that it wasn't by coincidence that it's leaking.
Speaker 6: I mean, so I don't necessarily buy I understand what
Speaker 6: they're saying. That rearmain seal is not part of the engine,
Speaker 6: and they would have charged him for it. So is
Speaker 6: that what you're upset about. They want to charge for
Speaker 6: the rearmain seal or.
Speaker 10: What, No, he took it someplace else to have it fixed.
Speaker 10: The other person fixed it. He took it back, and
Speaker 10: the way.
Speaker 6: Well, hold on, hold on, hold on, hold on, hold on, Alice,
Speaker 6: What does your son want today?
Speaker 7: Why are you calling?
Speaker 10: He wants them to warrant you the engine that they
Speaker 10: sold him. It's still under warranty and they're not wanting
Speaker 10: to fix it. They're wanting to get almost five.
Speaker 6: Alice, Alice, please, let's just talk about today. He wants
Speaker 6: them to warrant it. They're not warranting it. Hold on,
Speaker 6: your son already got it fixed. So what your son
Speaker 6: is looking for is reimbursement for a repair that he
Speaker 6: believes should have been covered under warranty.
Speaker 7: Is that correct?
Speaker 10: No, it's not fixed. It's not fixed.
Speaker 6: You said he took it. I thought you said he
Speaker 6: took it somewhere else to be fixed.
Speaker 10: When when he took it to the other places for
Speaker 10: them to check it, they told him that that should
Speaker 10: have been under warranty with the engine.
Speaker 6: And I dreamed that part where you said, did she
Speaker 6: say he took it somewhere else to be fixed? Did
Speaker 6: she say that or not?
Speaker 8: She said that it's still not fixed, but not necessarily
Speaker 8: to fix it.
Speaker 6: Hey, Alice, I need you now to just answer questions
Speaker 6: with no stories. He took it elsewhere, he took it
Speaker 6: for a second and third opinion.
Speaker 7: Is that correct?
Speaker 4: Yes?
Speaker 6: Yes? And they said it should have been covered under
Speaker 6: the original job's warranty, right, yes? Yes? Okay? Did they
Speaker 6: say what was wrong the other shops?
Speaker 7: Okay? Now?
Speaker 6: Then did he then go back to accurate and say
Speaker 6: I need a rearmain seal?
Speaker 10: Yes, and they're still telling him that it is not
Speaker 10: under the warranty. They weren't they stuff that needs may
Speaker 10: be fixed.
Speaker 6: Well, if there's stuff that needs to be fixed, including
Speaker 6: the rearmain seal and outside of the engine, he should
Speaker 6: be charged for it, except for the labor. If it
Speaker 6: should have been done when they install the engine. They
Speaker 6: are not responsible for anything beyond that engine unless they
Speaker 6: contributed to it. But I don't believe. I don't understand
Speaker 6: why the rearmain seal wasn't replaced.
Speaker 7: Now, they would have charged your son for.
Speaker 6: It, but it wouldn't have been that much because the
Speaker 6: engine was already out of the car. I'm wondering why
Speaker 6: this is happening, and I need someone to call them
Speaker 6: while we're on the air because you want to do that.
Speaker 8: Yeah, Tom, I'll be happy to. Now I would like
Speaker 8: to provide some insight. The rear main seal is actually
Speaker 8: in the engine itself. It's not in the transmission.
Speaker 6: Oh really, yeah, so shea, So it's not. It's not.
Speaker 6: It's not the transmission that marries up to the transmission.
Speaker 8: It's where the transmission is married up to the engine. Right,
Speaker 8: But the rear main seal is in the engine, not
Speaker 8: in the transmission.
Speaker 6: Really, it's not the seal between them. Yes, yeah, it's
Speaker 6: it's It's okay, Alice.
Speaker 7: I'm going to have Dmitri call and try to sift
Speaker 7: through this.
Speaker 6: We're asking why they won't warrant yet, why they want
Speaker 6: five grand? And I agree with you, Alice, it does
Speaker 6: sound queer to me, It really does.
Speaker 8: And Ellis said that there are other issues that they
Speaker 8: said need to be fixed. Elis, what, Yeah, what other
Speaker 8: issues in this replacement engine.
Speaker 10: I actually don't have the paperwork in front of me.
Speaker 10: The network at the hotel, and I don't have that
Speaker 10: with me. But there's other stuff.
Speaker 6: What do you do? What do you do at the hospittle?
Speaker 10: I am a housekeeper?
Speaker 8: What heuse keep housekeeper.
Speaker 10: Oh the patients.
Speaker 7: Okay, oh yeah.
Speaker 6: Yeah, yeah, you know, Alice, that's a really good work.
Speaker 6: You know, they're so sure of every single person. I'll
Speaker 6: bet you guys are shorthanded, right.
Speaker 12: Oh yeah all the time.
Speaker 7: Yeah. Well, listen, thank you for what you do.
Speaker 6: Hold on, we're going to gather some information so we
Speaker 6: can make some phone calls for you. I'm Tom Martino
Speaker 6: three oh three seven one three talk. Let's talk to Jimmy. Jimmy.
Speaker 13: Yeah, Hi, Dom, what's going on Jimmy?
Speaker 6: Well, yeah, Jimmy, what's happening.
Speaker 13: The reason for my call is I have two thousand
Speaker 13: and six GMC. I had it ensured with the General.
Speaker 14: I have full coverage on it.
Speaker 13: My vehicle got roll in on the eighteenth, and it
Speaker 13: basically took them three weeks to get in touch with
Speaker 13: for me to be able to get in touch with
Speaker 13: somebody there at their office.
Speaker 6: They said, what was stolen? Jimmy, I know what was stolen?
Speaker 6: Two thousand What year is it?
Speaker 13: Two thousand and six?
Speaker 6: Okay, hold on a secon We're going to come back
Speaker 6: to you and talk about this. Okay, we're going to
Speaker 6: come back and talk about it. I don't blame you
Speaker 6: for being upset Jimmy. So we'll talk about this insurance problem,
Speaker 6: the stolen vehicle. Look quick before I go to break Patrick,
Speaker 6: is this you? Is this our friend Patrick that came
Speaker 6: into the show one day and you were having I
Speaker 6: don't want you to do anything right now, we're going
Speaker 6: to come back to you. But you were having a
Speaker 6: failure or a tough time launching. You were living with
Speaker 6: a buddy at the time, Mark, and I said, you
Speaker 6: know what we want to be. We want you to
Speaker 6: be our project. We want you to call us at
Speaker 6: any time before you go left or before you go right,
Speaker 6: when you have to make a decision. We want to
Speaker 6: help you and we'll answer any question at any time.
Speaker 7: Now.
Speaker 6: You took us up on it part of the time,
Speaker 6: but most of the time you were navigating through. But
Speaker 6: we were watching each and every step, giving you advice.
Speaker 6: And the theory I had was, if people know someone
Speaker 6: is watching, if people know someone's keeping track, if people
Speaker 6: know someone cares, maybe they'll stay on course. So we'll
Speaker 6: come back to Patrick. He'd had some rough spots in
Speaker 6: the road and some weird he took some made some
Speaker 6: decisions we wouldn't have agreed with at the time, but
Speaker 6: I'd like to see where he's going right now, so
Speaker 6: our failure to launch project coming up as well. Right
Speaker 6: after this, 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. Time for an insurance check up free, no
Speaker 6: obligation comparison call Compass Insurance paying too much your coverage
Speaker 6: at dozens of insurance companies find out now three oh three,
Speaker 6: seven to seven to one. Help. You'll think you're his
Speaker 6: only customer when you choose Frank durand the real estate
Speaker 6: Man dot com to list your home with Remax Alliance
Speaker 6: three oh three nine two zero sixteen twenty two. Hey
Speaker 6: Tom Martino here three three seven one three talks seven
Speaker 6: one three eight two five five. So Deputy D is
Speaker 6: getting on the phone with that place to see why
Speaker 6: the rearmain seal, Now I understand I was a mistaken
Speaker 6: The gasket between the tranny and the engine as the
Speaker 6: rearmain seal. The rearman seal is around the drive shaft
Speaker 6: going and it is somewhat inside that first part of
Speaker 6: the engine. Mark, did you ever did you always consider
Speaker 6: the rearmain seal part of the engine or not or
Speaker 6: as does it depend?
Speaker 9: I think it depends, but honestly, I I'm not sure.
Speaker 11: Man.
Speaker 6: Yeah, this is that's why I want to get Kevin
Speaker 6: on to talk about it. And we're gonna make some
Speaker 6: other phone calls. So Jimmy, your your vehicle was stolen,
Speaker 6: your your two thousands GMC, continue with your story.
Speaker 13: Yeah, it got stolen on the eighteenth of February. So
Speaker 13: I made acclaim with police the same day, and you know,
Speaker 13: got to police report. I waited probably three weeks before
Speaker 13: I ever was able to talk to the adjusture. They
Speaker 13: would not respond back to me, and so.
Speaker 6: And during hold on, during that three weeks, during that
Speaker 6: three weeks, did you have a rental car?
Speaker 15: No?
Speaker 13: I did not. I didn't have rental on my insurance.
Speaker 6: So so what did the general respond in three weeks? Nothing?
Speaker 13: Nothing, and not even a phone call.
Speaker 6: Wait a minute, you said it took three weeks, Well,
Speaker 6: it took three weeks for what.
Speaker 13: For for me to actually talk to the gesture.
Speaker 6: That's what I mean. And what did they say.
Speaker 13: They said that they basically had still another five days
Speaker 13: that it takes they had thirty days by law to
Speaker 13: respond to these things. And so when I last spoke
Speaker 13: with her. I spoke with her like three four days later,
Speaker 13: which was getting close to the time period of it
Speaker 13: being settled, and she said that she transferred the case
Speaker 13: to another adjuster. I got a hold of him and
Speaker 13: very briefly, he said, I'll call you when I have time.
Speaker 13: I'm very busy person.
Speaker 6: Let me ask you this, Jimmy, Jimmy, Jimmy, when the adjuster,
Speaker 6: when the adjuster came contacted you after that three weeks,
Speaker 6: did she inspect the car?
Speaker 13: No, nobody never inspected it.
Speaker 6: It was stolen nothing, so so, oh, that's right, it's
Speaker 6: not a wreck.
Speaker 7: That's right.
Speaker 6: So she contacts you in three weeks and says this
Speaker 6: could take some time. And then after that you contact
Speaker 6: them again and they say and she says, oh, I
Speaker 6: transferred the file.
Speaker 13: You're right exactly. So I called the other adjuster, the
Speaker 13: one that had the file, and he told me that
Speaker 13: he was a busy guy and that he had a
Speaker 13: lot of people in front of me and they would
Speaker 13: respond as soon as they could. Well, it's been since
Speaker 13: the eighteenth of February since they stole it, and I
Speaker 13: still haven't had anywhere you know.
Speaker 6: What march Okay, now, Jimmy, I'm going to give you
Speaker 6: my honesty god response. My response is it doesn't sound
Speaker 6: unreasonable right now from February eighteenth to March eighteenth. I
Speaker 6: mean really, it's only been a month. Yeah, here's here's
Speaker 6: what I want to do, though, I want to get
Speaker 6: our insurance expert on to weigh in on this. So,
Speaker 6: Kat China, if you could get Brian burns On from
Speaker 6: Compass Insurance Group, do that for me. I would like
Speaker 6: to get his perspective on that. All right, years ago,
Speaker 6: we had Patrick call the show. Yes, so go ahead,
Speaker 6: ask her one more question.
Speaker 7: Go ahead. You waited a while. Go ahead, sir, go ahead.
Speaker 13: Jimmy was I'm disabled. I cannot walk, so I can't
Speaker 13: even go to the store. Ranked I mean, Tom, I
Speaker 13: can't even go to the.
Speaker 6: By Jimmy, Jimmy, I get it. So what you're saying is,
Speaker 6: but but see, you don't have coverage for replacement rides
Speaker 6: or vehicles. Now that's unfortunate. It is unfortunate. You're disabled,
Speaker 6: so you depend on that car for everything, right, basically,
Speaker 6: so have Jimmy. I want to ask you something seriously,
Speaker 6: King Soupers delivers for little or nothing. It doesn't go.
Speaker 6: I mean, have you ever gone online and done that
Speaker 6: delivery from King Supers? They're excellent? I'm serious, Yeah, I
Speaker 6: never have you ought to try it though, just for
Speaker 6: a I'm serious and I'm not telling you, you know,
Speaker 6: just you should just wait forever. But what I'm saying
Speaker 6: is there are ways to make your life a little easier.
Speaker 6: What's the nature since you mentioned it, Jimmy, what's the
Speaker 6: nature of your disability?
Speaker 13: I had a broken neck and brain surgery.
Speaker 6: Oh, oh my goodness, gracious god, brain surgery.
Speaker 7: How are you doing.
Speaker 13: I'm I'm up and walking. I can walk around my house.
Speaker 6: How old are you, Jimmy, Jimmy, how.
Speaker 7: Old are you?
Speaker 13: I'll be sixty five here in a few months.
Speaker 6: You sound pretty damn good to me, Jimmy. But hey,
Speaker 6: I'm not looking at you. It might be ugly as hell. Yeah, man, Jimmy, listen.
Speaker 6: Oh have you been on disability all this time? Yes?
Speaker 6: I have.
Speaker 7: Can you do any work at all?
Speaker 14: Jimmy, No, I can't.
Speaker 6: Was it an accident that happened, jim.
Speaker 13: Yes, it was an accident at work, and then I
Speaker 13: got messed up from the contractor. He told me I
Speaker 13: had insurance with his company and turned out and nobody
Speaker 13: had insurance. I didn't receive anything.
Speaker 6: All right, all right, Jimmy man, I'm sorry for you.
Speaker 6: You hang on though, and we're going to get an
Speaker 6: answer from our Compass insurance expert, and then we have
Speaker 6: more coming up on the trouble. Well, let me just
Speaker 6: go to this real quick because I do have a
Speaker 6: minute here, am I. I'm not over for thirty am I? Shannon? Shannon? Okay, Randy, Randy, No, No,
Speaker 6: it was Patrick failure to launch. I want to hear
Speaker 6: from Patrick. Patrick.
Speaker 7: You got married during the way.
Speaker 6: It wasn't that part of your journey?
Speaker 15: Yes?
Speaker 5: It was.
Speaker 7: Are you still married?
Speaker 6: Patrick?
Speaker 14: Now we are going through what I would classify as
Speaker 14: a messy divorce.
Speaker 7: Do you have a child?
Speaker 14: Two of them?
Speaker 6: See Patrick? When you came to us, you were a mess,
Speaker 6: Then you got out of being a mess, Then you
Speaker 6: went back to being a mess. Then you get out
Speaker 6: of being a mess. Have you noticed, seriously, now I'm serious,
Speaker 6: have you noticed the cycle in your life where you
Speaker 6: get serious and everything gets better and then you fall
Speaker 6: off the wagon and everything gets worse. Have you noticed it?
Speaker 6: I have?
Speaker 14: Yes?
Speaker 6: Well, let me ask you something. What is it when
Speaker 6: everything's going well? That then makes you go back down hill?
Speaker 6: What is it? If you could put a finger, I mean,
Speaker 6: if you what's the first thing that came to your
Speaker 6: mind when he asked you that?
Speaker 14: I wish I could give you an answer.
Speaker 6: Well, Patrick, you have two little ones you brought into
Speaker 6: this mess now, and those two little ones are everything.
Speaker 7: How old are they?
Speaker 6: So?
Speaker 14: My oldest is two and my youngest is one?
Speaker 6: Oh my god. And so you guys are going through
Speaker 6: a divorce? Can I ask what happened?
Speaker 14: We had some things happen just about a year ago
Speaker 14: next month and we separated.
Speaker 6: What are some things? What does that mean? What does
Speaker 6: that mean? You had some things happened Patrick?
Speaker 13: Verbal?
Speaker 8: Argument, verbal?
Speaker 7: Okay?
Speaker 6: And you never laid a hand on her.
Speaker 7: Did you?
Speaker 6: No? Okay? Did she ever accuse you of doing that?
Speaker 2: Yeah?
Speaker 14: She has and there was nothing, no proof of it.
Speaker 14: It's actually her brother's actually end of playing.
Speaker 6: Hands on me.
Speaker 7: Oh my god?
Speaker 6: So where where does this stand today? You're in a divorce?
Speaker 6: Did someone actually file for divorce?
Speaker 16: Yes?
Speaker 14: I did?
Speaker 6: And when did you file?
Speaker 14: I filed end of May of last year.
Speaker 6: And where why aren't you divorced yet?
Speaker 14: We are currently waiting for the CPS case out here
Speaker 14: in Ohio to be wrapped up. That is against my mind.
Speaker 6: What, Kate, Well, tell me what that what is that
Speaker 6: case in Ohio?
Speaker 14: Because that's that's currently where we live, is out here
Speaker 14: in Ohio. There is because she had driven my vehicle
Speaker 14: into a field with both the kids in the car.
Speaker 14: It told me it was because she was frustrated that
Speaker 14: they wouldn't go down for a nap and was driving
Speaker 14: to if that wasn't paying attention, that's what's started the
Speaker 14: whole CPS case.
Speaker 6: And then well, wait, was she in an accident? Was
Speaker 6: she in the accident with two little babies in the car? Yes?
Speaker 6: Were they hurt?
Speaker 14: No one was hurt, thankfully.
Speaker 6: And they charged with the tendency and neglect. Right now, well,
Speaker 6: what is she going to court for? What is the case?
Speaker 7: Is the case against her or you her?
Speaker 14: And there's been over the past month, there's been four
Speaker 14: more reports to CPS in the county in which I live,
Speaker 14: possible abuse against my kids.
Speaker 6: Now, who's taking care of the kids? Your your your
Speaker 6: ex is there with the children? Are her parents helping out?
Speaker 6: Or who lives near you? Do you have friends? What
Speaker 6: is her situation?
Speaker 14: She's been flipped back and forth between her mom and
Speaker 14: her boyfriend. I only get to see them as of
Speaker 14: right now every other weekend from Friday night to Sunday evening.
Speaker 6: And you filed for divorce in twenty twenty four? Is
Speaker 6: that correct?
Speaker 14: That is correct?
Speaker 6: In May?
Speaker 8: Yes?
Speaker 6: Okay, listen, hold on a second. I want to hear
Speaker 6: more about these babies and what's going on. And Patrick,
Speaker 6: I'm going to give you some straightforward advice. And is
Speaker 6: the divorce going to be here? Is the divorce here
Speaker 6: or in here in Colorado or in Ohio where you live?
Speaker 6: All right, never mind, I'll come back to him. I'm
Speaker 6: Tom Martine. Listen, we hear about everything in this in
Speaker 6: this show. I'm serious. It's life CMG Financial. Speaking of life,
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Speaker 6: cent until you're content. Time for an insurance check up free,
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Speaker 6: Alliance three oh three nine two zero sixteen twenty two.
Speaker 6: Hey Tom Martino here three oh three seven one three
Speaker 6: talk seven one three eight two five five. So we're
Speaker 6: talking to someone that we have been in touch with
Speaker 6: over the years.
Speaker 7: With his life, we call him our failure.
Speaker 6: To Launch project. He's had his ups and downs, and
Speaker 6: I think Patrick, all of your downs have come as
Speaker 6: a result of impulsive decision making. You know that, right, yes, yes,
Speaker 6: and I know you know it. And what frustrates me
Speaker 6: is you're smarter than your life indicates. I don't know why.
Speaker 6: I don't know why. It seems like you have the brains,
Speaker 6: you really do. You have everything it takes to be
Speaker 6: a success, but you don't have the programming and you
Speaker 6: keep going back to this loser mode. I want to
Speaker 6: know where you learn that? Where did you learn to
Speaker 6: make stupid decisions and then forge headway into it, fail,
Speaker 6: get way better, improve yourself, and then fail again.
Speaker 7: When do you first remember the cycle?
Speaker 14: Probably right after high school, just not being able to
Speaker 14: fall through with the movements that I had need to myself,
Speaker 14: and then bouncing around and just couldn't follow through with them.
Speaker 6: But when you did, you're successful. I mean, you have
Speaker 6: had times even these past few years, where you started
Speaker 6: doing some pretty good stuff, but then it stops. Do
Speaker 6: you get bored? Patrick?
Speaker 7: Do you get bored when things are just going well?
Speaker 14: Be honest, I do have a problem with that, But
Speaker 14: I've actually taken some stuff, actually practify things. I actually
Speaker 14: am more focused on doing what my kid needs right now.
Speaker 6: All right, hold on and we're going to talk about
Speaker 6: that coming up and more. Go with a sure thing
Speaker 6: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 6: a cent until you're content. Time for an insurance check
Speaker 6: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 6: to my your coverage at dozens of insurance companies. Find
Speaker 6: out now three O three, seven to seven to one 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.
Speaker 2: Yeah, d news needed, that's who you don't have.
Speaker 11: Come running as fast as we can.
Speaker 2: Shooter's gonna help. Come, man, this is.
Speaker 6: The Troubleshooter Show.
Speaker 17: Now, Tom Martine, Hey, Tom Martino here, Welcome to the show.
Speaker 17: I am here solving problems with the help of course
Speaker 17: all of our people. We solve problems, answer questions, take complaints,
Speaker 17: make your life a little easier.
Speaker 6: We got major market major off on a remote location
Speaker 6: as well as I am. We are doing our shows
Speaker 6: from our respective studios. And then we have Deputy d
Speaker 6: here in the house with me, and we have a
Speaker 6: deputy doc back at the ranch, at the main ranch
Speaker 6: with Kachina and her mimosas. And that sounds like a
Speaker 6: singing group Katschina and the Mimosas.
Speaker 7: My god, we could.
Speaker 6: Make a hit starring Kachina, Glory and her mimosas.
Speaker 7: Okay, no one can copy that. We're gonna do it.
Speaker 7: Kachina and I are going to do it, and we're
Speaker 7: going to bank. Now.
Speaker 6: Then we have Shannon, of course, he's you know, people
Speaker 6: think Shannon leaves the place.
Speaker 7: He doesn't.
Speaker 6: They just unplug him and put him in the corner.
Speaker 6: Then when we need him again, we plug him in.
Speaker 7: So let's go to the phones.
Speaker 6: And this issue, by the way, is frustrating with the
Speaker 6: stolen vehicle, no doubt. And Jimmy, we're getting our insurance.
Speaker 6: Is Brian available yet, Katchina, I want to get an
Speaker 6: answer for jim Brian.
Speaker 9: Hey, Tom, I'm on with Compass right now for a
Speaker 9: personal reason. But Brian's out of the country.
Speaker 6: Man, dang it. Okay, we'll get Matt. I don't think
Speaker 6: Matt comes in an error anymore. Yes he can, I
Speaker 6: mean he'll He'll do it, Matt. So asked Matt to
Speaker 6: come on, or let's call someone else. I really do
Speaker 6: want to get a feel for the timeline lately with
Speaker 6: these claims. If we can, so let's try that. Three
Speaker 6: h three thanks and uh three O three seven one
Speaker 6: three eight two five five. Now meanwhile, we're talking to Patrick.
Speaker 6: And Patrick is who we call our failure to launch project,
Speaker 6: and basically since he graduated high school, we've been following him.
Speaker 7: Oh wait, we do have Brian Burns.
Speaker 6: So Patrick came out rather than I'm gonna go to
Speaker 6: Brian right now because he's out of the country, I guess,
Speaker 6: and we got to catch it when we can. Brian. Hey, Tom, Hey, Brian,
Speaker 6: I'm sorry to bother you on your I think you're
Speaker 6: vacationing or something.
Speaker 18: Yeah.
Speaker 7: No, we have a guy.
Speaker 6: We have a guy that had a car accident February eighteenth.
Speaker 6: He has the general. He's upset that in a excuse me,
Speaker 6: he didn't have an accident, the car was stolen. I'm sorry, Okay,
Speaker 6: the eighteenth. He hasn't heard anything for three weeks. Then
Speaker 6: he hears something and they say it's going to be
Speaker 6: a few more weeks. Then he calls the guy was
Speaker 6: transferred to, and that guy says, I'm busy. I'll get
Speaker 6: to it when I get to it. Basically, he wants
Speaker 6: to know if it's unreasonable that he really has not
Speaker 6: gotten an offer since February eighteenth, the date of the theft.
Speaker 14: That's that's I don't think here. I'll say it two
Speaker 14: different ways. It seems on recent hole from just normal terms,
Speaker 14: I don't think that he would have a case as
Speaker 14: far as it being unreasonable in the policy definition, because
Speaker 14: there's not a time frame that's listed the General, as
Speaker 14: you know, we in my opinion, is about as bad
Speaker 14: as you get, and so I think you almost are
Speaker 14: assured to have to wait when you're dealing with them.
Speaker 6: Now, is there any law that if you're going to
Speaker 6: write insurance you have to respond with it this many
Speaker 6: days or that does it put any kind of onus
Speaker 6: on the insurance company?
Speaker 14: The term in the policy, if you used to read it,
Speaker 14: will probably say reasonable, So as you can imagine, that's
Speaker 14: not that's hard to define. I think if you want
Speaker 14: to take it to you know, the insurance commissioner, I
Speaker 14: think it would need to be longer than three weeks
Speaker 14: or a month. I think I think reasonable. It's probably
Speaker 14: not defined by that period of time.
Speaker 6: What is involved in a stolen car claim?
Speaker 7: For what will come next?
Speaker 6: The car was stolen, it was reported, there's a place report.
Speaker 6: Jimmy contacts and puts an acclaim with the general. The
Speaker 6: General says, we'll get to it. When we get to it.
Speaker 6: What happens next? When they say they'll get to it,
Speaker 6: what will happen?
Speaker 14: Well, so they're probably hoping to see if it gets
Speaker 14: found or you know, if the police find it, so
Speaker 14: that they don't pay out on it already and then
Speaker 14: the cars found after the fact. So I'm guessing they're
Speaker 14: trying to kind of let it work itself out. I'm
Speaker 14: guessing he doesn't have rental coverage.
Speaker 6: Is that right?
Speaker 15: Uh?
Speaker 7: He has no rental coverage?
Speaker 14: Okay, because that would prompt them to want to move
Speaker 14: a little bit faster, I would think, because they're having
Speaker 14: to pay out rental in this case.
Speaker 6: Right, Not, that's the problem. He has nothing. He has nothing,
Speaker 6: so they don't care.
Speaker 18: I think.
Speaker 13: I've been disabled.
Speaker 6: I'm being disabled, being dec he wants to know about
Speaker 6: being disabled? Being disabled doesn't give you any special privileges ever,
Speaker 6: they really, except for parking. I'm serious, Jimmy, it's not
Speaker 6: part of it. I understand that you're having a terrible
Speaker 6: time because of your disability, but it doesn't put any
Speaker 6: kind of special requirement on the insurance company to provide
Speaker 6: you transportation. Yeah, okay, Brian.
Speaker 14: Really, if he wants to report this to the insurance commissioner,
Speaker 14: it's not a difficult process. You can do it online.
Speaker 7: No.
Speaker 6: No, And I think I think the fact that they said, well, right,
Speaker 6: the fact that they said we'll get to it when
Speaker 6: we get to it they're kind of just they don't care.
Speaker 6: I mean, what really is to let me ask youselm, Brian,
Speaker 6: what's to say they can't take six months?
Speaker 14: I mean, seriously, yeah, because I think that would go
Speaker 14: beyond the reasonable word. And I know that sounds silly
Speaker 14: because it's not a defined period of time, but I
Speaker 14: think a month is probably reasonable when you're talking about
Speaker 14: a total loss. Okay, but I think that if he
Speaker 14: reports it to the insurance commission, they will absolutely contact
Speaker 14: the General, So it very well might speed up the process.
Speaker 14: It's kind of like the you know, the squeaky wheel
Speaker 14: kind of a thing.
Speaker 6: So so, Brian, do they really, Brian, they really do
Speaker 6: listen to complaints. And you believe they really would contact
Speaker 6: the general.
Speaker 14: Oh yeah, the insurance commissioner will. It might not be
Speaker 14: in the timeframe you want, but they will respond. They
Speaker 14: will reach out to the general.
Speaker 6: All right, Jimmy, please do that and then do me
Speaker 6: a favor.
Speaker 7: Call us back in two weeks.
Speaker 6: I would love to hear in two weeks and we
Speaker 6: will turn up the heat a little, but let's first
Speaker 6: give him two more weeks. And I know that sounds
Speaker 6: that's the life to you, because I mean, that's that's
Speaker 6: a lot for you because every day you're without a car. Now,
Speaker 6: with your disabilities, almost everything can be delivered, honest to God, Jimmy,
Speaker 6: almost anything, and the delivery charges are not that much.
Speaker 6: In fact, I'll bet you with that GMC you have
Speaker 6: that the delivery charge will be about what you would
Speaker 6: pay in gas. So try to avail yourself of that
Speaker 6: kind of stuff. Back to the failure to launch. Gentlemen
Speaker 6: that we've been on and off in touch with since
Speaker 6: he graduated high school. Now he's going through a nasty divorce.
Speaker 6: Let me ask you something, Patrick, why are you getting divorced? Well,
Speaker 6: I mean what happened? You guys were.
Speaker 7: So much in love.
Speaker 14: So I found out she had cheated on me and
Speaker 14: then just oh and then she had She's a very
Speaker 14: mentally abusive person.
Speaker 7: What attracted you to this woman?
Speaker 14: She hid the floor very well?
Speaker 19: Uh?
Speaker 6: And did you hide yours?
Speaker 20: Oh?
Speaker 14: I was open about mine. She actually would use them
Speaker 14: against me once we started look together.
Speaker 7: What did you say your flaws were?
Speaker 6: Patrick?
Speaker 14: That I had problems with instability and making sure that
Speaker 14: I was making the right decisions financially and personally.
Speaker 6: You're impulsive and then you're impulsive. Impulsive, Yes, but Patrick,
Speaker 6: you have nothing, You need nothing to become a success
Speaker 6: right now. Everything is in your tool chest already. It's
Speaker 6: not like you have to go out and even do it.
Speaker 6: What are you doing for work right now? So?
Speaker 14: I work for a company where I actually audit car
Speaker 14: dealers on what's called a field risk specialist. I do
Speaker 14: four plan auditing.
Speaker 6: Oh good, that's a good job.
Speaker 16: It is.
Speaker 14: I've been with them for just under under six months.
Speaker 14: I stepped away from truck driving to this job so
Speaker 14: I can see my kids more frequently.
Speaker 6: But that's a good But it's a good job. And
Speaker 6: you're in Ohio and you have to make sure you
Speaker 6: get a parenting plan? Are you trying to Is she
Speaker 6: trying to take custody away? All custody?
Speaker 14: She's trying for that. We had a family investigator that
Speaker 14: put a recommended to a suggested parenting plan of splitting
Speaker 14: the weeks between me and her.
Speaker 6: And right now I think you're doing. So what did
Speaker 6: you call about today? Did you call today to get
Speaker 6: advice on something or did you just want to give
Speaker 6: us an update?
Speaker 16: Just giving you guys an update.
Speaker 6: Okay, here's what I want to suggest. Now, do you
Speaker 6: have an attorney.
Speaker 14: First of all, I have a really good attorney worth
Speaker 14: the price I'm paying for good.
Speaker 6: You're surprised. What did you say he's expensive.
Speaker 14: Or I'm paying for him.
Speaker 7: Worth the price? Good?
Speaker 6: Okay, But here's what I want to tell you. Lose
Speaker 6: no matter what. Okay, the courts do not care how
Speaker 6: miserable your ex is at all unless it's a direct
Speaker 6: danger to the children.
Speaker 7: But listen to this.
Speaker 6: What you believe is a direct danger to the children
Speaker 6: is not always a direct danger to the children. Try
Speaker 6: to separate anger from the facts. Please try, Patrick, and
Speaker 6: just get through the damn thing and then get you know,
Speaker 6: and you know, she'll have to work. She's not gonna
Speaker 6: be able to sit on her butt. But she has
Speaker 6: two babies, so part of that's going to be taken
Speaker 6: into consideration.
Speaker 7: You're most likely how long.
Speaker 14: Were you married, not even two years.
Speaker 6: Yeah, you're gonna have to pay child support for sure,
Speaker 6: But I don't know about maintenance. I doubt you'll have
Speaker 6: any maintenance at all to pay. They'll tell her to
Speaker 6: try to get a job. You'll have to pay for
Speaker 6: child support and taking care of the kids while she's working.
Speaker 6: But it's a mess. Patrick, and the same kinds of
Speaker 6: message you keep getting into. Now you have a good job.
Speaker 6: So here's what I tell you to do. Get through
Speaker 6: this divorce. Get through it. Don't give away the farm,
Speaker 6: but don't fight over stupid things either, and lose the anger.
Speaker 6: The courts don't care what you think of each other.
Speaker 6: They don't care. So many divorces waste time on trying
Speaker 6: to establish how bad a parent or how bad a
Speaker 6: husband or wife someone has been, and the courts don't care.
Speaker 6: And I know you might think, well, of course, Tom,
Speaker 6: but people, I mean that most of the time that
Speaker 6: is where time is wasted trying to prove someone as
Speaker 6: a bad person. And most of the time it doesn't matter.
Speaker 6: It has to be extreme to lose parental rights or
Speaker 6: all that. And the idea of abuse. Everyone uses the
Speaker 6: word abuse. That's not to say abuse doesn't happen, but
Speaker 6: true abuse is rare. I'm Tom Martineau. We have more
Speaker 6: coming up. 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. Time for an insurance checkup free, no obligation.
Speaker 6: In comparison, call Compass insurance paying too much your coverage
Speaker 6: at dozens of insurance companies. Find out now three all
Speaker 6: three seven to 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 all three nine two zero sixteen twenty two.
Speaker 6: Hi Tom Martino, your troubleshooter. Three oh three seven one
Speaker 6: three talk seven one three eight two five five. So Randy,
Speaker 6: let's talk about this clinic. What is going on with you?
Speaker 7: Randy? And I'm sorry for the wait. What's going on?
Speaker 19: No, You're fine. Uh So in August of nineteen I
Speaker 19: retired from the military.
Speaker 6: And oh what what branch of what branch of military?
Speaker 6: What branch?
Speaker 19: I was in the army.
Speaker 6: And how long were you in the army?
Speaker 18: Twenty years?
Speaker 6: Wow? Thank you very much for that. Seriously did you
Speaker 6: did you like it? What did you do in the army?
Speaker 6: What did you do?
Speaker 19: I was an MP stryman, rifleman. I deployed eight times.
Speaker 19: It definitely allowed me to become something in life like
Speaker 19: I was. I was on the road to uh a
Speaker 19: bad a bad road when I was growing up. So
Speaker 19: I've got a lot of lineage I can track military
Speaker 19: service back to the uh Civil War. So just if
Speaker 19: it fit perfectly for me, like, I wow, that it does.
Speaker 6: It sounds like a perfect fit. So what's going on
Speaker 6: since you've been out? How are things going? You know?
Speaker 19: I have my ups and downs. It can always be worse,
Speaker 19: you know, it can always be better. And what what
Speaker 19: what makes when I retired? Yeah, I uh, I needed
Speaker 19: some psych help. I was getting psych help in the military,
Speaker 19: and then obviously when you transition from active you're retired,
Speaker 19: like you lose a lot of that stuff. So I
Speaker 19: had to go out in the cion markets.
Speaker 6: Yeah, some psychics.
Speaker 19: So I went to a clinic and I'd say I
Speaker 19: didn't see them more than like six months, like they
Speaker 19: were flusy and this I don't know it was. It
Speaker 19: was a disaster.
Speaker 6: I actually now, hold on, hold on, Randy, Why Randy?
Speaker 6: Why was it a disaster? I mean, what do you mean,
Speaker 6: like the counseling was a disaster? The doctor, the clinic,
Speaker 6: what are you talking about?
Speaker 19: The clinic and the psychiatrist. So I have PTSD and CBI.
Speaker 19: You know, I've I've got in continence, I've got a
Speaker 19: laundry list. I'm not interested in disabled with VA. And
Speaker 19: you know, so I've got a lot of baggage that
Speaker 19: I carryed along around with me. I may average two
Speaker 19: hours of sleep a night. You know. The psychiatrist just
Speaker 19: up and left the clinic. They had some sort of
Speaker 19: professional disagreement.
Speaker 11: And she bounced.
Speaker 19: Didn't let anyone know. Then I went six weeks without medication,
Speaker 19: which is a huge no no for me. Next thing
Speaker 19: I know, I'm suicidal and I'm on the phone with
Speaker 19: the Veterans Crisis Line with a gun in my head.
Speaker 19: Like it was really really dark, mister tom Right, So
Speaker 19: I find another why go into like a residential and
Speaker 19: treatment facility and yeah, I get out of that. I
Speaker 19: find another clinic, and I have nothing but huge success
Speaker 19: with the other clinic. So now we're in like the
Speaker 19: COVID era. You know, it's around summer of twenty one
Speaker 19: or somewhere in that timeframe, right, And I'm with this
Speaker 19: other clinic and I get an email and phone call
Speaker 19: from the original clinic saying, hey, you owe is two
Speaker 19: hundred dollars. I was like, for what, And they're like,
Speaker 19: we didn't bill you in that.
Speaker 6: Let me Here's where I'm confused. Randy Hall for one second,
Speaker 6: Is this all being taken care of by Veterans Affairs
Speaker 6: or you know whatever VA?
Speaker 17: Right?
Speaker 19: My current clinic, Yes, it's through the VA. The clinic
Speaker 19: that I'm calling you about was through tricare.
Speaker 6: Through Okay, but why did you go? Why did you
Speaker 6: go outside the network? Why did you go outside the network?
Speaker 19: So with Tricare, a lot of it has to do
Speaker 19: with where I live. I live in Eliicott, and there's
Speaker 19: a thirty thirty mile radius rule and all kinds of
Speaker 19: stuff like that.
Speaker 6: Okay, I gotcha, I gotcha outside, right, So I don't
Speaker 6: need to know all this now now that we were here,
Speaker 6: hold on, tell me this under normal circumstances. Now, I
Speaker 6: know you didn't like the quality of care and you
Speaker 6: tried to make your case. They weren't you know, they
Speaker 6: were terrible. And I'll get you and I'll believe you.
Speaker 6: But Randy, what I want to know is this under
Speaker 6: normal circumstances, would you really owe that money? Well?
Speaker 19: No, I don't believe them. For I itemized list of
Speaker 19: one like how are these charges possible? I also asked
Speaker 19: them why you know? Basically a detailed explanation in writing
Speaker 19: of why two years after I was done seeing them.
Speaker 19: They came back and was like, oh, you owed two
Speaker 19: hundred dollars and some change.
Speaker 6: They never by the way, did you pay it, Randy?
Speaker 6: Did you pay it yet?
Speaker 11: No?
Speaker 19: I haven't paid it. No, I haven't paid it.
Speaker 6: When did the bill? When did the bill show up?
Speaker 6: When did the bill show up?
Speaker 19: Like like in summer of twenty one?
Speaker 6: And then I didn't? And then what have you been doing? Say? Okay,
Speaker 6: so why are you calling today? Did something happen where
Speaker 6: they're trying to come out?
Speaker 19: Yes, go ahead, Well so obviously they still want their money.
Speaker 19: And mister Thom, it's not about the money, right, It's
Speaker 19: not about the money. It's about I don't understand this.
Speaker 19: I have a TBI not to use that excuse, but
Speaker 19: I just don't understand this. Please explain it to me
Speaker 19: like I'm doing, and they refuse to do that. Right,
Speaker 19: And but what really I'm behind and why I'm calling
Speaker 19: you today is, yes, my wife is part of my
Speaker 19: care plan, if you will, right in the sense that
Speaker 19: I'm married. She's my wife and we discuss things, and
Speaker 19: no way she or formed is my wife part of
Speaker 19: my care plan. When it comes to my doctors, I
Speaker 19: haven't signed a release I haven't done any of that.
Speaker 19: And if there's anyone that I know that's a straight shooter,
Speaker 19: it's going to be you. And you're gonna tell me
Speaker 19: to stop being cry baby, go pay my bill, and
Speaker 19: have a good day. And I'm okay with that, mister Tom.
Speaker 19: What I'm not okay is my wife goes to the
Speaker 19: clinic that I was previously going to the original clinic.
Speaker 19: While she's in a session, the doctor or the psychiatrist
Speaker 19: that she sees is also the billing boss, if you will.
Speaker 19: And in the middle of my wife's session, she turns
Speaker 19: around and she's like, oh, hey, miss Brandy. By the way,
Speaker 19: here's your husband's bill. Do you think you can do
Speaker 19: something about it? And that was pretty much where that
Speaker 19: is totally.
Speaker 6: That is totally hold on And she was never signed
Speaker 6: as part of you never she's not on the hook
Speaker 6: for that bill. No, that was totally unprofessional information.
Speaker 19: So the way that I see it, Randy, you know,
Speaker 19: she shared my information with another patient, even though it's right,
Speaker 19: that's right, I get it right.
Speaker 6: But she didn't share medical information, Randy. Randy, listen, let
Speaker 6: me give you my impression right now. I think you
Speaker 6: are absolutely correct in feeling. This clinic sucks. They're unethical.
Speaker 6: They should have never ever talked about a bill of
Speaker 6: yours to your wife or anyone. My god. Hey, by
Speaker 6: the way, while you're here with your problems, your husband
Speaker 6: still hasn't paid his bill. Can you do something about it?
Speaker 8: Really?
Speaker 6: Okay, I agree with you, But here's what I really
Speaker 6: want to get to. Many times, we as people lump
Speaker 6: things together that shouldn't be lumped together. We lump them
Speaker 6: together to give us the feeling and the answer we want.
Speaker 6: So what you're thinking is this, I am so sick
Speaker 6: and tired of this clinic that one doctor left me
Speaker 6: for two weeks without meds. Now they're trying to collect
Speaker 6: two years later money, and then they go and talk
Speaker 6: to my wife about my bill. So you add all
Speaker 6: those together and your answer is screw them. I'm not
Speaker 6: paying them a dime. Wrong answer. I understand the I
Speaker 6: understand the thought process, and I agree with you, but
Speaker 6: it's the wrong answer. I'm going to tell you, Randy,
Speaker 6: that most likely you do all the money. Most likely
Speaker 6: you do because the clinic's not gonna make or break themselves.
Speaker 6: Now you can verify it, and they should verify it,
Speaker 6: and they should give you a breakdown. So I want
Speaker 6: Deputy Doc to help you get a detailed bill. And
Speaker 6: Doc is a doctor, So when they try to call that,
Speaker 6: I'll pull the hip a thing. All he's going to
Speaker 6: say is we're not asking about his information. We're not
Speaker 6: asking about anything except him a detailed bill and he'll
Speaker 6: pay it immediately. And that's where I think we stand.
Speaker 6: But Randy, honest, here's what I do think. Randy, you
Speaker 6: have gone through a lot of trauma in your life.
Speaker 6: I can't even identify with it, even if I pretend
Speaker 6: I can, I can't. But I can identify with one thing,
Speaker 6: the technique you're using that that you're you're stuck with.
Speaker 6: And I was too, because I had a different kind
Speaker 6: of trauma. And let me explain this to you, Randy.
Speaker 6: You are in a mode right now, and I'm saying
Speaker 6: this as a friend. You're in a mode of injustice collection.
Speaker 6: And because you feel that you've served your country, and
Speaker 6: you did and you deserve kudos and you do. And
Speaker 6: because you've done this mostly unnoticed and now you're out
Speaker 6: just trying to make your way, what you're looking for
Speaker 6: now is the people standing in your way or putting
Speaker 6: up injustice, and what it does is you want to
Speaker 6: collect all of this because you want to feel justified.
Speaker 6: If you feel like screw everybody, you're trying to collect
Speaker 6: information and evidence that will justify a feeling of defiance.
Speaker 6: I get it, and everyone who goes through trauma gets it.
Speaker 7: But here's what I tell you.
Speaker 6: There is no concerted effort to put the screws to you.
Speaker 6: And even though it feels that way, sometimes we group
Speaker 6: things together, we shouldn't group together.
Speaker 7: So here's what I'm telling you, Randy.
Speaker 6: Just chillbro I'm telling you just live life for your
Speaker 6: enjoyment and don't start collecting injustice. I'm telling you you're
Speaker 6: in that mode because you were pushed into that mode.
Speaker 6: And trust me, you had a thousand times more trauma
Speaker 6: than I could ever imagine. But I'm just giving you
Speaker 6: an observation. I think you're waiting for someone to screw you.
Speaker 6: I mean, if you're honest with yourself, don't you kind
Speaker 6: of go through life wondering who's going to be the
Speaker 6: next person to try to screw me? I mean, That's
Speaker 6: what I'm getting from you, And you know, I just
Speaker 6: have a quick question to that.
Speaker 7: What is it that you want.
Speaker 6: I just want a detailed.
Speaker 19: I want justification that I owe the money. Really like, Okay,
Speaker 19: I was on an impression talking to try here that no,
Speaker 19: you pay your twenty dollars co pay, and then it's
Speaker 19: it's yeah, right off, like I called try here and
Speaker 19: there that was their words, right. So then I turned
Speaker 19: around and talk to the clinic and she's like, oh no,
Speaker 19: that's not right at all.
Speaker 7: See, okay, Randy, we get you off.
Speaker 15: Doctor.
Speaker 6: You see what he's talking about. What he wants is
Speaker 6: some respect. That's what he wants. Okay, that's what he wants. Okay,
Speaker 6: and it's right now in the form of a detailed medical.
Speaker 7: Thing showing he is the money.
Speaker 6: You get worse respect. Yeah, and deputy doc, thanks for
Speaker 6: taking this. We got more coming up. Go with a
Speaker 6: sure thing Denvers Best Roofer, Excel roofing dot com. You
Speaker 6: don't pay a cent until you're content. Time for an
Speaker 6: insurance check up free, no obligation. In comparison, call Compass
Speaker 6: Insurance paying too much your coverage at dozens of insurance companies.
Speaker 6: Find out now three O 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. Hello Tom Martino here, welcome
Speaker 6: to the show. Let's keep going here three O three
Speaker 6: seven one three Talk to Delbert. What's going on? Delbert? Hello,
Speaker 6: Hi Delbert. What's happening?
Speaker 16: Well, a little bit of problem with Craigslist. I guess
Speaker 16: what happened. I listed a vehicle four sale and posted it.
Speaker 16: It's been a long time since I've did it, so
Speaker 16: I had to go in and say, you know, forgot
Speaker 16: my password, and I thought I set a password up
Speaker 16: because now I want to go back in and delete
Speaker 16: the post. And when I get into it, it says
Speaker 16: you have a passwordless account. Okay, get into this thing.
Speaker 16: And I've tried and tried to call.
Speaker 6: Well when it said when it said passwordless, it said
Speaker 6: password less, like you don't have a.
Speaker 16: Password one word?
Speaker 7: Okay?
Speaker 6: Well, did you try just getting in without a password
Speaker 6: then just using your username and a blank password?
Speaker 16: Yes? No, not a blank passage.
Speaker 7: And what happened?
Speaker 6: Well, what did you put hold on? What did you
Speaker 6: put in the password when you tried to get in?
Speaker 16: I put my original password.
Speaker 6: In there, No, No, go ahead and put your user
Speaker 6: name in and leave the password blank and hit enter
Speaker 6: and see if it lets you in.
Speaker 7: Can you do that during a break or have we
Speaker 7: put you on hold?
Speaker 16: I got it? Let's say set password.
Speaker 21: No, Tom, you don't want it, would you mind putting
Speaker 21: me on hold?
Speaker 6: Okay, we'll do that, all right. I think that we
Speaker 6: can talk to you through this one.
Speaker 7: I think.
Speaker 6: Three three seven one, three eight two five five Greg?
Speaker 6: What's going on with you? Greg? Oh?
Speaker 14: Hey, Tom, can you hear me?
Speaker 6: Okay, yes, I can, sir.
Speaker 7: What's happening?
Speaker 14: I have a house that I own with my ex
Speaker 14: spouse and we're okay friends, and she had a problem.
Speaker 6: It's the plumbing.
Speaker 14: And I was out of the country because I know
Speaker 14: a lot of trades people and I could have helped her.
Speaker 14: And so she is a member of a plumbing company
Speaker 14: and the water heater went out and they had no water,
Speaker 14: and so they installed a new water heater and charged
Speaker 14: her well over ten thousand dollars for the water heater
Speaker 14: and to install it. And I don't know, I don't
Speaker 14: think I've ever heard of something like that. That's well,
Speaker 14: way too much.
Speaker 6: Okay, Hold on a second, Hold on, Greg, Welcome to
Speaker 6: the new world. Now, this particular company you're talking about
Speaker 6: is Apple is Apple? Would Is that right?
Speaker 16: It is?
Speaker 6: Yeah? Yeah, I didn't know. Let me explain something. Well,
Speaker 6: I don't care. I mean, it's it is what it is.
Speaker 14: Okay, all right.
Speaker 6: I here's something that I find.
Speaker 7: All the time. Sticker shock.
Speaker 6: Okay, Now, I think that, in my opinion, it sounds outrageous.
Speaker 6: You know, a little over ten grand for a water
Speaker 6: It sounds outrageous because here's what we all do. We
Speaker 6: all say, well, we can buy the heater for this much,
Speaker 6: and then we can buy the fittings for this much.
Speaker 6: So you mean to tell me they're getting paid eight
Speaker 6: or nine grand just for being here for a half hour,
Speaker 6: you know, or whatever. I mean, I'm exaggerating about.
Speaker 14: One thousand dollars an hour to install it, you know
Speaker 14: or whatever.
Speaker 6: No, no, but but but you're right, Greg. Now, if
Speaker 6: I wanted to be unfair, I can say a Apple
Speaker 6: what sucks. I won't leave them a doon't ever go there.
Speaker 6: I will tell you the number one complaint we get
Speaker 6: about apple Wood is their price. The number one complaint
Speaker 6: the did you call them and complain about it?
Speaker 14: I did and they immediately.
Speaker 6: Did they make an adjust Usually they make an Usually
Speaker 6: they make an adjustment. Did they make an adjustment for.
Speaker 14: Two thousand dollars for twenty okay?
Speaker 6: So then it was eight now eight grand?
Speaker 7: Is that right?
Speaker 6: Right?
Speaker 14: And again, I own my own company, and I have
Speaker 14: a network. It's like a chamber of commerce, and I
Speaker 14: have tons of trades people. They could have installed this
Speaker 14: for three thousand at the low end, five thousand, Greg,
Speaker 14: very tough time, Greg, I.
Speaker 6: Know, Okay, Greg, I'm gonna tell you I was out
Speaker 6: of the country. That's a bunch of bs. That's a
Speaker 6: bunch of bs, Greg. Okay, because hindsight is always cheaper.
Speaker 6: Hindsight is always cheaper. And I'm going to tell you something, Greg,
Speaker 6: there are very few people today that will install any
Speaker 6: kind of a water heater for three grand. What size
Speaker 6: water heater was it?
Speaker 14: I don't have fifty gallons or something we research so
Speaker 14: that you could buy.
Speaker 6: Okay, I'm gonna tell you this. Hold on, Hold on, man,
Speaker 6: let's let's talk. I love being out in the open,
Speaker 6: and I don't have any allegiance to any company anywhere
Speaker 6: at any time. If I represent them, I want them
Speaker 6: to do what they say and say what they do.
Speaker 6: I don't represent apple Wood, but I'm gonna treat them
Speaker 6: the same. This is what I want you to do.
Speaker 6: I want you to get me a legit and I
Speaker 6: mean it better be serious and not a lie written
Speaker 6: proposal for a fifty gallon water tank for three grand
Speaker 6: or under. I want you to do that because I'm
Speaker 6: going to hold you to your word. I don't think
Speaker 6: one of those people that told you we could have
Speaker 6: done that for three grand. I'll guarantee you that we
Speaker 6: can't get them to do it for three grand, because
Speaker 6: if you find them, I'm going to feed them customers
Speaker 6: and I want to see them do it for three grand.
Speaker 6: They won't. They won't, Okay, So Greg, first of all,
Speaker 6: you're comparing it with fantasy, because unless they do it,
Speaker 6: you can't say what they would do it. I'll never
Speaker 6: forget when a stowstorm was coming and there were two
Speaker 6: grocers in the town, and the one grocer was selling
Speaker 6: the eggs for five bucks a dozen, which at that
Speaker 6: time was outrageous, and the other grocer said, well, you
Speaker 6: know what, I'd sell them for way cheaper than that. Okay,
Speaker 6: where are they? Well, I don't have any seeing The
Speaker 6: point is this is unless you do it, you can't
Speaker 6: talk about it. And when you said, you called and
Speaker 6: about a half a dozen of your people could do
Speaker 6: it for three grand or under. I want to see one,
Speaker 6: just one of them, that will literally do a fifty
Speaker 6: gallon water tank for for three thousand dollars. The going
Speaker 6: rate for water takes right now is about five grand.
Speaker 6: And that's a good price. Now do I like it?
Speaker 22: No?
Speaker 6: I don't like it, But these people are paying for insurances.
Speaker 6: They're paying for everything in the world, all the business
Speaker 6: licenses and all the fees and advertising. And I don't
Speaker 6: like it, but that's life. Go with a sure thing
Speaker 6: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 6: a cent until you're content. Wait time for an insurance
Speaker 6: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 6: too much your coverage at dozens of insurance companies find
Speaker 6: out now three oh three seven seven to one 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. Hey, I'm Tom Martinez. Let's talk to Julie. Julie,
Speaker 6: you're calling for a friend about a car accident.
Speaker 10: Yeah, she got back ended and they're blaming her for it.
Speaker 6: Wait a minute, how the hell are you blamed somebody like?
Speaker 6: Hold on a second. She was rear ended and they're
Speaker 6: saying it was her fault. We'll come back and talk
Speaker 6: about this and more coming up. Also, I hit a
Speaker 6: nerve with pricing. People say, come on, Tom, there's got
Speaker 6: to be limits.
Speaker 7: Let's talk about that and.
Speaker 6: More coming up on the Troubleshooter Show. Go with a
Speaker 6: sure thing Denver's Best roofer Excel Roofing dot com. You
Speaker 6: don't pay a cent until you're content. Three time for
Speaker 6: an insurance check up free, no obligation comparison call Compass
Speaker 6: Insurance paying too much your coverage at dozens of insurance
Speaker 6: companies find out now three oh three seven 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 ripped off.
Speaker 2: News you needed, That's who you don't have come run
Speaker 2: anxious as fast as you can. Shooter's gonna help come man.
Speaker 5: Six is the Troubleshooter Show. No Tom Martino.
Speaker 6: Hello, I'm Tom Martino. Welcome to the show. Three oh
Speaker 6: three seven one three talk seven one three eight two
Speaker 6: five five.
Speaker 7: What's going on in your life?
Speaker 6: Let's see what we can do to help you, as
Speaker 6: we do each end every day. And thanks for being here,
Speaker 6: by the way, So I want to go to the
Speaker 6: phones and uh start with Julie. She's calling for a
Speaker 6: friend who had a car accident. So, Julie, tell your story.
Speaker 6: What's going on.
Speaker 12: It happened a couple of weeks ago and.
Speaker 6: She was rear ended. Where did it happen?
Speaker 15: Thanks?
Speaker 12: Why did it happen?
Speaker 15: Very much?
Speaker 7: Where did it happen?
Speaker 6: Like? What what? How did it happen? Tell me about this? Okay,
Speaker 6: let's talk to her. Then.
Speaker 7: What's her name.
Speaker 12: I'm going to put Martha on.
Speaker 7: Marca Marca.
Speaker 3: Yeah, yeah, it's happened on the tenth of March.
Speaker 6: What is your name?
Speaker 1: Martha?
Speaker 6: And I I got it? Thank you Martha. So here's
Speaker 6: what I need to know. Martha. Explain the day of
Speaker 6: the accident.
Speaker 7: What happened.
Speaker 23: So I was driving there was one vehicle in front
Speaker 23: of me going slowly, so I tried to slow down,
Speaker 23: and then the one behind me came and hit me,
Speaker 23: and then the plip.
Speaker 6: Okay they did it.
Speaker 3: Yeah, and now I give it to.
Speaker 6: The hold on Martha. Did they give you both tickets Martha? Yes?
Speaker 7: Okay.
Speaker 6: So did you slam on your brakes?
Speaker 15: Yes?
Speaker 6: And you slammed on your brakes because the guy in
Speaker 6: front of you slammed on his brakes?
Speaker 3: No she yeah, she came full steed and hit me.
Speaker 3: There was one in front of me, so accent okay.
Speaker 6: H me Martha. Why did you Martha? Why did you.
Speaker 7: Put the brakes on?
Speaker 3: Put the brakes on?
Speaker 6: Why did you put the brakes on? Why did you
Speaker 6: use your brakes? Did the guy in front of you
Speaker 6: or the woman or the car in front of you
Speaker 6: come to a quick stop?
Speaker 18: Yeah, she can.
Speaker 15: Okay, quick stop so I have to stop at his back.
Speaker 6: So I get it. I get it. Yeah. Now who
Speaker 6: is saying it's your fault?
Speaker 3: And the insurance people I've called them, I've called them
Speaker 3: my insurance. I called them and then they called them.
Speaker 14: That insurance and they are saying it's my fault.
Speaker 6: And he has now does your does your does your
Speaker 6: insurance company agree that it's your fault?
Speaker 3: I can't insurance having told me any thing. By my insurance.
Speaker 3: I call them today and they're telling me the other side.
Speaker 3: Insurance said it's my fault, and I said, no, it's.
Speaker 15: Not a fault.
Speaker 7: Okay, Martha, Martha.
Speaker 6: This is not unusual. This is not unusual that they
Speaker 6: try to blame you for this. It's not unusual. What
Speaker 6: I really want to know, did your insurance company agree
Speaker 6: with them or not?
Speaker 3: Uh? That's what my insurance is telling me because I
Speaker 3: have a li and then the guy have to do
Speaker 3: my came for me. One who hits me and I've
Speaker 3: called them, I've called them, they sent.
Speaker 6: Me a But does your insurance company, Martha. I'm going
Speaker 6: to try this one more time. Is your insurance company
Speaker 6: on your side or is your insurance company saying it
Speaker 6: is your fault? What is your insurance company saying there?
Speaker 12: I say, yeah, peoples say that's what they told me.
Speaker 6: Okay, but did they give did your insurance company give
Speaker 6: their own opinion? No they have any Okay, Okay, gotcha.
Speaker 6: Now here's what you need to do, Martha. Did you
Speaker 6: at the day of this accident did you take any pictures? Yes?
Speaker 15: Please? I did.
Speaker 7: Good.
Speaker 6: Does the picture show clearly that someone hit you from behind?
Speaker 1: Yes?
Speaker 6: What did the cop give you a ticket for? Was
Speaker 6: it for following too closely?
Speaker 3: Yeah, that's what they said.
Speaker 6: Yeah, okay, did the person in front of you get
Speaker 6: a ticket?
Speaker 12: Yes, it gets all of this.
Speaker 7: Were there three of you all together?
Speaker 13: That's what.
Speaker 3: So I asked that plice why the ticket and said,
Speaker 3: you guys have following me too close.
Speaker 14: That's what she told me.
Speaker 6: Okay, I got it. I got it, Martha. So right now,
Speaker 6: your insurance is not going to pay for your car.
Speaker 6: Do you have collision coverage? No, so you will have
Speaker 6: to get the insurance behind you to cover you. And
Speaker 6: they're saying, no, it was your fault. So I'm going
Speaker 6: to tell you what to do, and you gotta listen carefully. Okay, okay,
Speaker 6: Number one, Number one, go and get three estimates to
Speaker 6: your car.
Speaker 23: Three whats please come back.
Speaker 6: Again, Three estimates, three guesses on what it's going to cost. Okay,
Speaker 6: go to three shops. Now listen carefully. You want to
Speaker 6: throw out the highest, and you want to throw out
Speaker 6: the lowest, and you want to go with the middle price.
Speaker 6: And then when you get that middle price, let's say
Speaker 6: it's going to be two thousand, then you sue that
Speaker 6: other driver in small claims court directly. Do not deal
Speaker 6: with the other person's insurance company. The person behind you
Speaker 6: that hit you. Was it a man or a woman?
Speaker 14: She was a young guy of mine.
Speaker 6: Okay, then you're going to sue this young man directly
Speaker 6: in small Thames court.
Speaker 7: Did you get his name and address?
Speaker 6: Yeah? I have address and good good Martha, Martha, put
Speaker 6: your friend. Put your friend back on the phone real quick. Okay,
Speaker 6: put Julie back, Cuie.
Speaker 7: Listen carefully.
Speaker 6: I think this woman has a good case against the
Speaker 6: other driver. It doesn't matter what his insurance says. His
Speaker 6: insurance is going to try to say anything to get
Speaker 6: out of it. So what she should do is get
Speaker 6: three estimates for her car, throw out the highest and
Speaker 6: the lowest, take the middle estimate, and sue that person
Speaker 6: that driver. Help her sue that person in small claims court.
Speaker 6: Here's what's going to happen. That person is going to
Speaker 6: get really pissed off and yell at his insurance company
Speaker 6: to take care of it. You do not have to
Speaker 6: deal with the other person's insurance company ever. Here's the
Speaker 6: fact she was rear ended. There's no reason for it,
Speaker 6: and she wants to sue for damages. I'm Tom Martine
Speaker 6: three zero three seven one three talk seven one three
Speaker 6: eight two five five. Frank durandreal estate Man dot com
Speaker 6: will do free market valuations for your home for the asking.
Speaker 6: You want to know what it will sell for you
Speaker 6: ask Frank. There's no obligation whatsoever. Three oh three nine
Speaker 6: to zero sixteen twenty two. Frank Dreen the real Estateman
Speaker 6: dot com. 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. Time for an insurance check up free, no
Speaker 6: obligation comparison call Compass Insurance Paying too much your coverage
Speaker 6: at dozens of insurance companies find out now three oh
Speaker 6: three seven to 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 6: Hi Tom Artino here at three o three seven one
Speaker 6: three talk seven one three eight two five five. All right,
Speaker 6: who should I take next?
Speaker 19: Here.
Speaker 6: Oh, oh, Peggy, Hey Peggy, what's happening?
Speaker 4: Okay, this is what happened. I did end up kind
Speaker 4: of getting my way, but I.
Speaker 6: Want to tell you, Oh, is this where you had
Speaker 6: hold on? I wanted to find out Is this the
Speaker 6: terrible sewage smell in your apartment?
Speaker 11: Yes?
Speaker 6: Uh huh, and Bo went out and verified it, and
Speaker 6: he contacted authorities. The Colorado Department of Health went out
Speaker 6: to investigate, and we are awaiting their findings. So go
Speaker 6: ahead and tell us what's going on.
Speaker 12: Okay.
Speaker 15: I did get to meet that gentleman.
Speaker 4: I've also had Kolby out here. Hoby works, has his
Speaker 4: own HVAC company, and he works where I work, and
Speaker 4: the smell was getting in my system. I'm on thirty
Speaker 4: year cancer patient.
Speaker 12: And I'm still doing chemotherapy and.
Speaker 6: It was getting Wait a minute, what whoa, whoa, whoa whoa.
Speaker 6: Oh Peggy, what do you mean it's getting into your system?
Speaker 6: It's making you sick? Yes, now, Peggy, I want to
Speaker 6: know something about this. I want to know something about
Speaker 6: the smell. Okay, did they find out where it's coming from?
Speaker 4: They have not given me that information as yet. I
Speaker 4: haven't heard from any here.
Speaker 6: Has anything been rectified. Has any bit thing been fixed
Speaker 6: at all? No.
Speaker 12: As a matter of.
Speaker 4: Fact, what they tried to do was move me into
Speaker 4: the apartment below me, which has mold.
Speaker 6: Okay, Peggy, do you want to do you want to
Speaker 6: just leave the entire complex?
Speaker 14: I'm leaving it.
Speaker 6: So what do you need us to do for you?
Speaker 7: What do you what do you need us to do
Speaker 7: for you if you're leaving?
Speaker 4: Okay? The truth of the matter is Bo asked me
Speaker 4: to call in. I just wanted to call in and
Speaker 4: say what happened and how it came out. But I
Speaker 4: wanted to applaud, but.
Speaker 6: It didn't come out. They basically did nothing.
Speaker 4: Well, no, they haven't done anything to the building that
Speaker 4: I know of. They definitely have been in my apartment
Speaker 4: since it's been real you know checked.
Speaker 6: Okay, But the Colorado Department of Health did go out
Speaker 6: and investigate.
Speaker 4: Yes, they did, mister Nathaniel Rosenberg public and did he
Speaker 4: say what they're gonna do?
Speaker 6: Okay? Did you hear back from them? That's it.
Speaker 4: All he told me when he left here was that
Speaker 4: he was going to continue the investigation.
Speaker 6: Okay, thank you, Peggy, Thank you. So Peggy wanted us
Speaker 6: to know the state guy did show up, Thank you, Peggy,
Speaker 6: and we need to check with both with the state.
Speaker 6: Nate has a question go ahead about Vestera Turnkey.
Speaker 7: I believe he's talking about go ahead Nate.
Speaker 20: Yeah, Hi Tom.
Speaker 6: Two questions Hi, Nate, Yes, yeah Hi.
Speaker 20: First question is do you know if it's not do
Speaker 20: you know if any of the I guess the purchases
Speaker 20: have ever had the loans called on them? And the
Speaker 20: reason I managed okay I was thinking about uh. The
Speaker 20: second question is what if had you thought about purchasing
Speaker 20: uh something full up with cash rather.
Speaker 6: Than okay, okay, Nate. The first question has any has
Speaker 6: a loan ever been called? And I've had extensive discussions
Speaker 6: with Barry about the loans performance shortfalls all that no
Speaker 6: loans have ever been accelerated or called. Now, Nate, I
Speaker 6: want to I want to mention something to you. When
Speaker 6: you go into Vestra Turnkey, they set up one investor
Speaker 6: with one property. The investor puts up cash for the
Speaker 6: down payment and takes out the loan. Barry and his
Speaker 6: team the management company, manages it like and Barry doesn't
Speaker 6: own that that's a pass through a fee. What Barry
Speaker 6: does is then researches the market to what to charge
Speaker 6: rents and what to sell the house for and when
Speaker 6: to sell it. So that's all that's and then he
Speaker 6: takes your daily phone calls if you have any. So
Speaker 6: now we're sitting on a house. And then you have
Speaker 6: an additional question. So you have a house, you have
Speaker 6: a loan, you're you're it's being managed. So what would
Speaker 6: your next concern be after that?
Speaker 20: So the the next question was have you thought about
Speaker 20: on your side with not so much thesteria, but the
Speaker 20: LLCs that you're putting together, purchasing any of those with
Speaker 20: all rather than having.
Speaker 6: Okay cash okay, there is a principle. There is a
Speaker 6: principle in investing called the leverage okay, and you make
Speaker 6: higher returns always when it's not your money or when
Speaker 6: you're borrowing the money. Now I understand I'm not telling
Speaker 6: people to go out and get in debt and invest money.
Speaker 6: That's stupid because there's no short thing. You could lose
Speaker 6: it all. But the principle is solid. If you take
Speaker 6: one hundred thousand dollars and want to invest it, and
Speaker 6: you knew for sure, For example, if you invest a
Speaker 6: one on day ten, it would be worth more. Then
Speaker 6: if you absolutely knew that, then on day one you
Speaker 6: would want to make as much as that one hundred
Speaker 6: thousand dollars borrowed as possible, so long as the cost
Speaker 6: of borrowing does not exceed the rate of return. So
Speaker 6: with vester Era, you want to use leverage. You don't
Speaker 6: want to tie up your cash, and I'll tell you why.
Speaker 6: In my opinion, there's no reason to. However, you could
Speaker 6: absolutely positively do the same exact investment with cold hard cash.
Speaker 6: You absolutely can, But Nate, I choose not to do
Speaker 6: it that way because one, I have the borrowing power. Two,
Speaker 6: I have the principle set aside for an emergency, so
Speaker 6: I can pay it off if I need it to.
Speaker 6: So Three, I want to take advantage of borrowed money
Speaker 6: making money because the returns far exceed the six percent
Speaker 6: I'm paying to borrow the money, So in my case,
Speaker 6: I'd rather borrow the money. I don't advise that people
Speaker 6: borrow money to invest if the money cannot be secured.
Speaker 6: So a house secures the money. So when I borrow
Speaker 6: money against a house, that house is secured. Ninety seven
Speaker 6: percent of the time. If a loan is called or
Speaker 6: a loan is defaulted on. There is no consequence to
Speaker 6: the borrower except the borrower gets a ding on their credit.
Speaker 6: But the banks hardly ever have to go after borrowers
Speaker 6: because there's enough equity in the house to sell it
Speaker 6: and pay off the loan in a foreclosure sale. You see,
Speaker 6: we got all out of We got all out of
Speaker 6: shape one time during the big recession when people were
Speaker 6: buying beyond appraised values and when banks were lending on
Speaker 6: stupid numbers. So in almost every case there were deficiency
Speaker 6: judgments against individuals. That's not happening anymore. So, Nate, if
Speaker 6: you bought a house one hundred percent cash with this
Speaker 6: st era, you would still make tremendous returns. But you
Speaker 6: will make those same returns if you have a mortgage
Speaker 6: on the house. So if the mortgage is one backed
Speaker 6: up by the house, my question would be, why would
Speaker 6: you tie up cash? So I'm going to ask you
Speaker 6: why would you tie up cash to do it?
Speaker 20: Well? Originally, my my philosophy was that one hundred percent
Speaker 20: of of the foreclosures are own houses with mortgages. But
Speaker 20: if it's never happened, if that's never right, well.
Speaker 6: Hold on, Nate, Nate, Nate, First of all, a house
Speaker 6: would be for let's just go right to that. Let's
Speaker 6: say that you're going to go into vest Era and
Speaker 6: you know the house is going to be foreclosed on. Okay,
Speaker 6: for some reason, it was a bad deal and the house,
Speaker 6: you know whatever. What I'm saying to you is that
Speaker 6: what you what you said was kind of weird. You said,
Speaker 6: there's never been Most foreclosures happen with loans on them.
Speaker 6: That's the only way there can be a foreclosure is
Speaker 6: a bad loan or a mechanics lean, or something that's unpaid.
Speaker 7: But Nate, you have to understand something.
Speaker 6: The house that I bought, for example, through Vesteria, this
Speaker 6: most recent one that will be transferred to the LLC.
Speaker 6: That house which came out of the gate appraising Yeah yeah,
Speaker 6: I know. It came out of the gate appraising for
Speaker 6: seven or eight thousand more than I bought it for.
Speaker 6: And number two, they're already selling for more. Number three,
Speaker 6: the loan is only seventy percent. What are the chances
Speaker 6: that that house won't cover a bad loan? I mean,
Speaker 6: what I'm saying to you is if you buy right,
Speaker 6: if you buy correctly, and you do conventional financing. You
Speaker 6: will almost never ever have to worry about it. The
Speaker 6: house will always cover the loan. Otherwise banks would never
Speaker 6: make a loan. Banks are in the business of winning,
Speaker 6: and so the idea, the idea that a foreclosure ends
Speaker 6: up with any personal liability is so ludicrous. We got
Speaker 6: skewed on that we started believing that all foreclosures meant
Speaker 6: financial judgments against borrowers, when really almost never does that happen.
Speaker 6: We just got stewed for a weird few years in
Speaker 6: the mid eighties where they were loan not mid eighties,
Speaker 6: in the mid two thousand. From the mid from two
Speaker 6: thousand and twenty ten, they were borrowing sometimes one hundred
Speaker 6: and twenty five percent of what something was worth.
Speaker 7: Think about that alone.
Speaker 6: If you had one hundred thousand dollars home, the mortgage
Speaker 6: you could get would be more than you could What
Speaker 6: would be like is if you had a house worth
Speaker 6: one hundred and twenty five thousand, It was ridiculous. So
Speaker 6: what I'm saying is this, you only buy, You only
Speaker 6: use loans when they're guaranteed. That's it, And then it
Speaker 6: would be foolish not to use the loan. There would
Speaker 6: be no reason, for example, in this case, it would
Speaker 6: make not a dime more if we used the loan or.
Speaker 7: If we used cash.
Speaker 6: But you see, I do loans in a different way
Speaker 6: than most people. I do loans when I have, first
Speaker 6: the collateralized asset will cover the loan, and second I
Speaker 6: have the loan balance personally squirreled away. So I have
Speaker 6: a double redundancy double not double redundancy. But I have
Speaker 6: redundancy and I can pay it off no matter what.
Speaker 7: I'm Tom Martinez. We have more coming 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 checkup 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 oh three seven
Speaker 6: to 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. Hello, I'm
Speaker 6: Tom Marks. You know you're a troubleshooter. Three O three
Speaker 6: seven one three talks seven one three eight, twenty five
Speaker 6: to five. Barbara has a issue with a crawl space
Speaker 6: in her home. Hey, Barbara, what's going on with the
Speaker 6: crawl space?
Speaker 12: Okay, the call space has been taken care of. I
Speaker 12: had a routine maintenance done, and now that they did
Speaker 12: the work, what I want to do is have it
Speaker 12: inspected to make sure everything was taking care of that
Speaker 12: was supposed to be taking care of.
Speaker 6: Okay, now Barber's calling about Yeah, and you're calling about
Speaker 6: a crawl space and there was some kind of.
Speaker 12: Issues insects.
Speaker 6: Yeah, exactly, exactly, And I believe that Deputy Bow was
Speaker 6: spearheading this and I what do you want and what
Speaker 6: can we do to allay your concern? What do you
Speaker 6: want right now? Oh?
Speaker 12: Okay, So now they say it's all right, everything's done
Speaker 12: what I wanted to do. So they come in and
Speaker 12: do an inspection to make sure that it was done correctly.
Speaker 6: Like an official inspection you mean, or something? Or why
Speaker 6: don't you believe Why don't you believe them?
Speaker 12: Well, I've had issues with them before.
Speaker 6: Yeah, but do you but do you spell anything? I mean,
Speaker 6: what does it look like to you? What does it
Speaker 6: look like to you on the surface?
Speaker 12: Another thing is I can't go down there. I could
Speaker 12: probably stick my head down there, but I can't go
Speaker 12: down Oh. I see, so that's that's okay problem I have. Yeah,
Speaker 12: I have health issues, so I can't. I can't go
Speaker 12: down there anymore.
Speaker 6: Okay, I'll have Deputy Bow contact you. Maybe he'll go
Speaker 6: out and look, Oh, what part of town are you in?
Speaker 12: Aurora, South Alora.
Speaker 6: Okay, I'm gonna have Deputy Bow go out and take
Speaker 6: a look at that, because he's been working with you.
Speaker 6: He's pretty damn good at all that. He's been in
Speaker 6: business a long time, he's been in the HVAC business.
Speaker 6: But he can he can take a look at that Kashina.
Speaker 6: Could we ask him to check with her because I
Speaker 6: think he's been handling this case anyway from the start. Sure, somebody, Okay,
Speaker 6: there's Patrick wants to give some props to Joe Lazara.
Speaker 7: What the heck's going on?
Speaker 18: Man?
Speaker 1: Hey, I actually called you a couple of weeks ago
Speaker 1: and you were like, yeah, you sound a little crazy, man.
Speaker 1: But everyone gets their chance to be heard. So here's
Speaker 1: my lawyer, and I just want to say thank you man,
Speaker 1: Like I I can't Patrick, can.
Speaker 6: You tell me?
Speaker 7: Patrick?
Speaker 6: Can you tell me what the original problem was.
Speaker 1: It's I was arrested for fake warrant.
Speaker 6: Omber remember this called D.
Speaker 8: Yeah, that original call. So Patrick was arrested. But his
Speaker 8: biggest problem than that was that while cleaning up a
Speaker 8: neighborhood lake, Patrick ended up with a couple of crack
Speaker 8: pipes and some baggies of alleged methamphetamines. That's right, and
Speaker 8: so that's a much bigger problem than the warrant was.
Speaker 8: So that's why he ended up getting refer to joelas Eara.
Speaker 8: What did Joe have to say?
Speaker 15: Yeah?
Speaker 6: What what went on?
Speaker 1: I just left his office. He sat down with me
Speaker 1: and he showed him all my information and she kind
Speaker 1: of looks at me, and he goes, well, you've already
Speaker 1: been tried for this case, so you are correct and
Speaker 1: you're not crazy. And then he gave me some other
Speaker 1: legal tips on how to maneuver the system. But all
Speaker 1: in all, he assured me that the paperwork I have
Speaker 1: I'm looking at correctly, and I am dissecting in the
Speaker 1: right run, and I just need to present.
Speaker 6: And man, and he's put your mind at ease, right, oh,
Speaker 6: one hundred, one hundred, Well, thank you for calling thank
Speaker 6: you for calling Lazarai Legal la z z ar a
Speaker 6: Lazari Legal. I tell you he's a good guy, down
Speaker 6: to earth. He'll talk to you three oh three four
Speaker 6: nine sixty two hundred and he'll do free initial consultations
Speaker 6: in flat rate pricing.
Speaker 8: Can we get him on the show sometimes?
Speaker 6: Oh yeah, we try to get he's so damn busy
Speaker 6: it's hard to get him on. Now, let me bring
Speaker 6: up Barry Miller. So the guy called in asked about, Hey,
Speaker 6: why don't you buy these houses cash and do it
Speaker 6: cash instead of, you know, taking out a loan. And
Speaker 6: I say, because it's better leveraged if you use a loan.
Speaker 6: And you know, there's nothing wrong with loans on real
Speaker 6: estate when they're done properly. I mean, the only time
Speaker 6: we've ever had problems with loans and deficiencies were during
Speaker 6: the Great Recession when they were loaning on fictitious values. So, Barry,
Speaker 6: what did you want to add to that? Barry Miller
Speaker 6: is the founder of Vestera Turnkey. Go ahead, Barry, Yeah, yeah.
Speaker 22: Tom, thanks, Yeah, I was listening to Nate and yeah,
Speaker 22: his thoughts were all interesting and good to bring out.
Speaker 22: The however, is two things at Stara. We have a
Speaker 22: preventative research department that is always looking for the strong
Speaker 22: areas and the loans then can be in such a
Speaker 22: strong position so the owner can gain so much money.
Speaker 22: We don't just stop. You know, you buy the home
Speaker 22: and then you're on your own. But but the other
Speaker 22: point is this, mathematically, anyone's much better off putting twenty
Speaker 22: five percent down and buying four very safe and secure
Speaker 22: homes because you pointed out, well, the value is going
Speaker 22: to go up, whether it's cash or with a loan.
Speaker 22: Why not spread the money out like you said, leverage it.
Speaker 22: But the mathematical facts are by four homes be just
Speaker 22: as safe, have positive cash flow, and make four times
Speaker 22: the kind of wealth that our customers at vest Era
Speaker 22: are making.
Speaker 6: You know, it's that simple. See here's the deal what
Speaker 6: Barry is doing. And you have to know this. His
Speaker 6: biggest value is in the buying of that home. Now,
Speaker 6: obviously he helps you sell it too, and they negotiate
Speaker 6: great deals. But his superpower is finding the best deals.
Speaker 6: This house that I bought, they're already selling for more already,
Speaker 6: and the appraisal in that just the time I've been
Speaker 6: under contract has gone up like eight.
Speaker 7: Grand, I mean, think about that.
Speaker 22: Yep.
Speaker 6: So I don't know how you do it, Barry, I'm serious.
Speaker 6: You find great buys in great markets with great rents,
Speaker 6: and you know when to sell them. I just want
Speaker 6: to know this, This is what I think selfishly. How
Speaker 6: long can this go on? Are there always going to
Speaker 6: be pockets in the country worth buying? And I mean, really,
Speaker 6: does it ever get to a point where there's really
Speaker 6: no good buys, no good markets?
Speaker 22: For upside, there are points in our country's time when
Speaker 22: there are no markets that are worth buying with the
Speaker 22: same viewpoint, but those times statistically happen once every sixty years.
Speaker 22: That's been the history of our country.
Speaker 6: And we've been stung here. We've been stung here in
Speaker 6: Colorado in the mid eighties and then the beginning of
Speaker 6: two thousand to twenty ten.
Speaker 22: Yep, yep, yep.
Speaker 7: It was terrible.
Speaker 22: It was terrible. And yet what's good about us, Sarah.
Speaker 22: We have the preventative research that points those things out
Speaker 22: six to eighteen months before they become a real balloon
Speaker 22: or a real problem for lots of people, and we
Speaker 22: have our people sell beforehand.
Speaker 6: Yeah, so let's plug while you're on Let's plug your seminar.
Speaker 22: Oh sure, sure, Well, Tom and I a seminar. It's
Speaker 22: a Vestera seminar Saturday, April fifth, at ten am in
Speaker 22: the morning. It's free forty five minutes an hour and
Speaker 22: a half, sorry, an hour and a half of great
Speaker 22: information with Tom and Berry. We'll be covering how Vestera
Speaker 22: works for you. Look, we have the proven program. Consumers
Speaker 22: have the personal power of doing whatever they want to,
Speaker 22: including nothing with their money. But this program points out
Speaker 22: how you could have forty forty five fifty fifty five
Speaker 22: percent returns and do it very safely. So an hour
Speaker 22: and a half starting at ten am. You have to
Speaker 22: have reservations, but it's easy. It's free. Just go to
Speaker 22: My Biggest Return dot com www dot My Biggest Return
Speaker 22: dot com and register. It's filling up. We're approaching being full.
Speaker 7: Thank you sir. We have 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. Pay 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. Hi Tom Martino,
Speaker 6: your troubleshooter three oh three seven one three talk three
Speaker 6: oh three seven one three A two. Okay our calls.
Speaker 6: We have open lines right now, So give us a
Speaker 6: call at three h three seven one three talks seven
Speaker 6: one three two five to five, and he gives me
Speaker 6: a chance to address it. And then the show's been
Speaker 6: going crazy since hour one, and there are some things
Speaker 6: I want to talk about, and one has to do.
Speaker 6: I did not mean if I was disrespectful that guy.
Speaker 6: I didn't mean it. By the way, the guy told
Speaker 6: all about his water heater. Okay, he wants to get
Speaker 6: the word out. He owns a home with his ex wife.
Speaker 6: His ex wife called the plumber. Applewood came out and
Speaker 6: replaced the water heater for more than ten grand.
Speaker 7: He is outraged.
Speaker 6: They they he called them, and they reduced it by
Speaker 6: two thousand. He still thinks it's overpriced. And he made
Speaker 6: a comment, I'm in a professional trade group and I
Speaker 6: know he said eighty percent of them I don't know
Speaker 6: something I don't know, or at least three of them
Speaker 6: could have done this for three thousand dollars. Now, I
Speaker 6: don't doubt we can always find someone to do something
Speaker 6: for less money or more money. But something that I
Speaker 6: really want to address right now, pricing seems to be
Speaker 6: outrageous for me too. I'm not telling you that I
Speaker 6: like paying five grand or six or eight or ten
Speaker 6: for a water heater. I think is ridiculous, but those
Speaker 6: are the going prices. Companies have really really been bombarded
Speaker 6: with what they have to do to stay in business,
Speaker 6: and then they pass it on to the consumer. And
Speaker 6: are they making more and more profit? Yeah, they are,
Speaker 6: many of them are. Look, I can't address that. What
Speaker 6: I care about is honesty and integrity. But I do
Speaker 6: think there's a point of pricing, of price gouging. There is,
Speaker 6: And I think what happens is because we're tossing up
Speaker 6: our hands saying that's just the way it is. That
Speaker 6: all of these people kind of like the airlines, when
Speaker 6: all the rates go up, all the rates go up.
Speaker 6: When they go down, they go down. All I'm saying
Speaker 6: is is I do believe you have to shop. The
Speaker 6: problem is many of them do not tell you prices
Speaker 6: on the phone. But if they come to your home
Speaker 6: and you don't like the price, you don't have to
Speaker 6: go with it. You can call someone else. Now, my
Speaker 6: people don't like that. They don't like wasting their time
Speaker 6: and money, but you have to still do that. Everyone
Speaker 6: gives you a price up front before the work is done.
Speaker 6: If you're uncomfortable, don't do it. And what you should
Speaker 6: do is research it before you need it, like before
Speaker 6: you have to say yes or no before you call someone.
Speaker 6: Then you'll know the price that they present you is
Speaker 6: outrageous or not more coming up, go with a sure
Speaker 6: thing Denver's Best Roofer Excelroofing dot com. You don't pay
Speaker 6: a cent until you're content. Time for an insurance check
Speaker 6: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 6: too much your coverage at dozens of insurance companies find
Speaker 6: out Now three oh three seven seven to one 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 Yeah, ripped tod.
Speaker 2: You need advis so you don't have come run insious.
Speaker 9: As fast as we can, Shooter's gonna help come, man.
Speaker 6: This is the Troubleshooter Show. No Tom Martino, Hello, Tom
Speaker 6: Martino here fighting for you. Three oh three seven one
Speaker 6: three talk seven one three A two five five. We
Speaker 6: love helping where we can. We help people with all
Speaker 6: kinds of problems, questions, and complain. So all you have
Speaker 6: to do is give us a call and we'd be
Speaker 6: happy to help you. Today, very many interesting calls. The
Speaker 6: main theme, well, there hasn't been one main theme, but
Speaker 6: there are a few things that have come up that
Speaker 6: I want to talk about. One had the principle of
Speaker 6: being in an accident and not agreeing with insurance companies.
Speaker 7: You have to understand something.
Speaker 6: When you are injured in an accident, whether they say
Speaker 6: it's your fault or not.
Speaker 7: Hire a personal injury attorney.
Speaker 6: Okay, if you're truly injured, don't ever try to do
Speaker 6: that alone. Start by calling John Fuller three all three
Speaker 6: five nine seven forty five hundred, okay.
Speaker 7: Then talk to them. The next thing you do.
Speaker 6: Is you then try to figure out what your next
Speaker 6: step is. Okay, but if you're not injured and you
Speaker 6: have proper pretty damage, you're not going to hire an
Speaker 6: attorney for that.
Speaker 7: There's no car in the world you're going to hire
Speaker 7: an attorney.
Speaker 6: So if somebody rear ends you or hit you in
Speaker 6: the side and they say you came up too fast
Speaker 6: and I did that, so they're trying to blame you
Speaker 6: for them hitting you. But you believe it's it's their
Speaker 6: fault no matter what the police say, no matter what
Speaker 6: anyone says. If you have evidence to the contrary, either
Speaker 6: footage or some pictures you took, you can clearly see
Speaker 6: it was a rear end collision and you you know,
Speaker 6: and it's just your word against their word. You never
Speaker 6: have to go by what their insurance says. So you say, no,
Speaker 6: it's your fault. Now, if Joe Schmoe says it's not
Speaker 6: my fault and you say it is, just sue Joe
Speaker 6: Schmoe in small claims court. Don't worry about his insurance.
Speaker 6: His insurance is going to call you and threaten you say, oh, well,
Speaker 6: we're going to counter see it. We're gonna do this,
Speaker 6: or we're gonna do that. It doesn't matter. You sue
Speaker 6: that person. In small claims court. You hope you can
Speaker 6: get a fixed for the seventy five hundred dollars limit.
Speaker 7: You still see him even.
Speaker 6: If you can't, because well, that will prompt Joe Schmo
Speaker 6: to do and what he must do by law is
Speaker 6: contact his insurance company, and then his insurance company must
Speaker 6: by law represent him. So they're going to talk to
Speaker 6: you about settlement. They're not going to ignore you, but
Speaker 6: if it's less than you want, you go right back
Speaker 6: to small claims court. So you never have to deal
Speaker 6: with the other person's insurance company. Too many times we
Speaker 6: feel we must talk to the other person's insurance company
Speaker 6: if there is no law or regulation or anything that
Speaker 6: says we must talk to them. Ever, if they call
Speaker 6: us and say we want to question you about the accident,
Speaker 6: you tell them put your questions in writing and I
Speaker 6: will respond in writing. There you're not refusing, You're simply
Speaker 6: telling them you're not going to be interviewed, because they
Speaker 6: will purposely try to trip you up in a recording,
Speaker 6: purposely so when it gets time to really fight this,
Speaker 6: they will use that recording against you. Always never talk.
Speaker 7: To an insurance company.
Speaker 6: In fact, I say never even talk to your own
Speaker 6: insurance company. What I tell my own insurance company is
Speaker 6: submit here questions in writing. So that's a big deal.
Speaker 6: We talk a lot about what to do when we're
Speaker 6: in an accident. And as he said, she said, and
Speaker 6: that's all the more reason you should have a dash can.
Speaker 6: That dash can would show if Martha pressed on her
Speaker 6: break too fast or something like that. Now, the next thing,
Speaker 6: what about being charged ten grand for a water heater
Speaker 6: or fifteen grand for a water heater, or being charged
Speaker 6: urged whatever for whatever. You can't complain after what you can,
Speaker 6: But it's not going to do you good to complain
Speaker 6: after the work is done. You simply have to know
Speaker 6: that there are going to be certain prices charged for
Speaker 6: certain things. So do some research, even artificial intelligence, ask
Speaker 6: them what is the reasonable cost or what's the average price?
Speaker 6: I'm going to ask that. What I'm going to ask
Speaker 6: that right now? What is the average price? Okay, for
Speaker 6: a water heater, a fifty gallon water here, let's say
Speaker 6: that for a fifty gallon water heater. This guy was
Speaker 6: charged over ten grand or his wife was. I don't
Speaker 6: mind him. I don't blame him for being upset. We
Speaker 6: get upset because it's expensive. But unfortunately, these companies are
Speaker 6: charging these outrageous numbers.
Speaker 7: Apple Wood Plumbing, Heating, cooling, and Electric.
Speaker 6: They're the most expensive company in town by far, the
Speaker 6: number one most expensive company that I have found. So
Speaker 6: am I saying they're bad? No? Am I saying you
Speaker 6: should avoid them?
Speaker 14: No?
Speaker 6: But you know this, you're going to pay out the nose.
Speaker 6: You know who else is expensive? Brothers is expensive? Yeah?
Speaker 7: Are they bad?
Speaker 6: No? Plumbline is not cheap. Fix it twenty four to seven.
Speaker 6: They're more reasonable, but they're all going to be high priced.
Speaker 6: These are companies. I like, Okay, what are you gonna
Speaker 6: do about it? I mean, you're gonna find this all
Speaker 6: the time. So what is the average price for a
Speaker 6: fifty gallons water heater installed in Denver? Okay? So there,
Speaker 6: I'm going to ask that question right now to see
Speaker 6: what AI says the average price? Okay, Now, this is
Speaker 6: the most outrageous thing I've ever heard of my life.
Speaker 6: I mean, I can't even believe this, and I will
Speaker 6: be disingenuous if I don't read it to you. I
Speaker 6: absolutely there's not one company, not one that does this.
Speaker 6: They say the average price for a fifty dollars. Water
Speaker 6: heater including installation typically ranges from twelve hundred to twenty
Speaker 6: five hundred dollars twelve to twenty five hundred dollars in
Speaker 6: the Denver area. Now, I swear to God, listen to this.
Speaker 6: Listen to what they say, real examples in Denver as
Speaker 6: of twenty twenty five. You're not gonna believe what this says.
Speaker 6: I swear to God, I'm not making this up. The exit.
Speaker 6: The first example they give the get Applewood Plumbing. Here's
Speaker 6: what they say. A fifty gallon AO Smith or Bradford
Speaker 6: White at Applewood Plumbing is eighteen hundred to twenty two
Speaker 6: hundred dollars and it includes upgraded parts and longer warranties.
Speaker 6: Am I am? I dreaming this person called complaining about
Speaker 6: Applewood plumbing and apple Wood Plumbing charged ten thousand dollars.
Speaker 6: And right on, artificial intelligence, it's telling me that Applewood
Speaker 6: is a real life example. Show me, I want to
Speaker 6: know it says apple Wood. Show me proof, Show me
Speaker 6: proof that apple Wood of Applewood pricing. Because I don't
Speaker 6: understand how they can say that. This is the guy's
Speaker 6: calling about apple Wood. And when I ask artificial intelligence,
Speaker 6: who does it cheaper? They say apple Wood. It says
Speaker 6: apple Wood Plumbing and Heating does not publicly list pricing
Speaker 6: for water heater installations. However, various customary reports provide insight.
Speaker 6: It said three thousand dollars for a fourteen year old
Speaker 6: water heater to have that replaced with three thousand, thirteen
Speaker 6: thousand dollars. In June of twenty twenty four, they were
Speaker 6: charged thirteen thousand for a forty gallon water heater. Well, then,
Speaker 6: why did you say that apple Wood does it for
Speaker 6: twelve hundred to twenty two hundred. Then it says fifty
Speaker 6: six ninety was an invoice for a forty gallon heater
Speaker 6: in November of twenty twenty four. Okay, So artificial intelligence
Speaker 6: is absolutely absolutely mistaken when it says that a typical
Speaker 6: price for a water heater is between twelve.
Speaker 7: And twenty five hundred dollars.
Speaker 6: I don't think there's anywhere in the city you can
Speaker 6: get a water heater installed fifty gallon for twenty five hundred.
Speaker 6: I don't think there is. So I'm going to explore this. Harry,
Speaker 6: you have a question about eviction. What is your question?
Speaker 21: Yes, I have a deaf son and the deaf people
Speaker 21: don't work in the same boarding that we do.
Speaker 6: He was.
Speaker 21: He refused to do a renewal elise because it was
Speaker 21: too expensive, and he was given ninety days to get out.
Speaker 21: I just found out about this about a month.
Speaker 13: And a half ago.
Speaker 21: I don't hold on.
Speaker 6: When when was this? Hold on? When did hold on Harry?
Speaker 6: When did he refuse to sign the relief? When did
Speaker 6: he say I don't want to renew.
Speaker 21: It must have been from January, because he had he
Speaker 21: got a letter on January ninth. I think that said
Speaker 21: he had not a days to get out, and they
Speaker 21: gave him a date of the thirtieth of April. And okay,
Speaker 21: all right, So I don't think I can get him
Speaker 21: out by then, And so what recourse does the landlord
Speaker 21: have if he's not out by that date?
Speaker 6: Right now? Okay, all right, I'll tell you exactly what
Speaker 6: that is. Hang on, I'm gonna go through it with detail.
Speaker 6: Right after this, go with a sure thing Denver's Best
Speaker 6: roofer Excel roofing dot com. You don't pay a cent
Speaker 6: until you're content, wait time for an insurance checkup 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 all 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. Hey, I'm Tom Martine, your troubleshooter three all
Speaker 6: three seven on three talks seven on three eight two
Speaker 6: five five me to our callers.
Speaker 7: And continue this.
Speaker 6: And by the way, don't forget K and H Home
Speaker 6: Solutions for windows, siding, doors and more. K and H
Speaker 6: has what you're looking for. K Windows dot com. Hey, So,
Speaker 6: Harry said his son did not want to renew the lease,
Speaker 6: so they gave him until April thirtieth to move out. Now, Harry,
Speaker 6: your son you said, Did you say your son is death?
Speaker 21: Yes? He is?
Speaker 6: And tell me? May you tell may I ask you?
Speaker 6: And I mean this sincerely? Why did you tell me
Speaker 6: that part of the story. Does he get any kind
Speaker 6: of special housing or anything.
Speaker 22: Not?
Speaker 21: At this time? His wife is suppose beginning SSDI, but
Speaker 21: there's six months behind and they don't know why. But
Speaker 21: that's that's not the story. I just I Basically, I
Speaker 21: think I told you that they because the deaf people
Speaker 21: live in a different world than us hearing people. You
Speaker 21: and I are yeah, and we hear things that people
Speaker 21: are talking about. They don't get that kind of information.
Speaker 21: So I think they are.
Speaker 6: You know what, You're right, You're right. I never think
Speaker 6: about that. I never think about that. It is a
Speaker 6: life of isolation, much of it because we get stuff,
Speaker 6: just like you say, from our peripherals that they don't.
Speaker 21: Right now, carry he had, yes, No.
Speaker 6: No, okay, so real quick, I want to I want
Speaker 6: to ask it. Tell you what they do. First and foremost,
Speaker 6: if you can't make April thirtieth, it would be best
Speaker 6: to tell them.
Speaker 7: Now here's why. Okay.
Speaker 6: Now, if they say, well, it doesn't matter, you still
Speaker 6: have to be out.
Speaker 7: And if you truly can't.
Speaker 6: Harry, If you truly can't be out and they say
Speaker 6: you must be out, there's nothing they can do to
Speaker 6: get you out by then nothing. So if they go
Speaker 6: through the eviction process, here's what would happen.
Speaker 7: You would be given an conviction.
Speaker 6: You can go to court, you can delay it, and
Speaker 6: it will be a few weeks. It would be past
Speaker 6: April thirtieth, by the time they get an eviction, go
Speaker 6: to court, get an order, and then execute the order.
Speaker 6: Then they would move your stuff out to the sidewalk.
Speaker 6: That would be sooner. They would never be able to
Speaker 6: do that before April thirtieth or on April thirtieth. Okay,
Speaker 6: So what you do is do the best you can
Speaker 6: as quick as you can. But when you say you
Speaker 6: can't do it, I'm curious, when can you have him
Speaker 6: out of there?
Speaker 21: I really don't know, Tom, because he has a lot
Speaker 21: of stuff. They have gotten rid of a lot of stuff.
Speaker 23: And okay, but.
Speaker 6: You, Harry, Harry carry, you have to give me an answer.
Speaker 6: You have to give me an answer. When can you
Speaker 6: have him out of there?
Speaker 21: I'm trying. I can't give you a direct answer because
Speaker 21: I don't know. I'm trying my damn this to get
Speaker 21: him out. And Harry, right now.
Speaker 6: Let me ask you this. I don't know what's listen.
Speaker 6: I don't know when I say big, I don't know
Speaker 6: what you think when I say small, I don't know
Speaker 6: what you think. So here's what I'm trying to gather.
Speaker 6: What chunk of time are we talking about? Are you saying, Tom,
Speaker 6: it's gonna take me the rest of this year to
Speaker 6: get him out of there. Or are you saying, Tom,
Speaker 6: I just need another thirty days. What are you saying?
Speaker 21: I think I could probably get him out with another
Speaker 21: thirty days or so, I know, Like, Okay, if he
Speaker 21: doesn't have a place he has he has a brother
Speaker 21: in law that said they could stay with them for
Speaker 21: a while, I would have to, Okay, furniture into a
Speaker 21: storage area until he finds a place to live.
Speaker 6: Okay, I got it. But your son and otherwise he works.
Speaker 6: Your son works.
Speaker 21: At this time. Now, that's another story along. But he
Speaker 21: was fired from the job because he was deaf. But
Speaker 21: the actual individual that fired and worked the paperwork around,
Speaker 21: so there's no documentation about the reason he was fired,
Speaker 21: and so there's no EEO complaint that can be made.
Speaker 21: He is working now, he's got an interview for another
Speaker 21: job and he's waiting for them to do a background
Speaker 21: check right now.
Speaker 7: Okay, what kind of job?
Speaker 21: He's a truck driver?
Speaker 7: Oh? Okay?
Speaker 6: And does he so so he can he can carry
Speaker 6: U a commercial Driver's license a CDL.
Speaker 16: Yes, yes he does.
Speaker 24: He hasn't I thought, and I thought you had to
Speaker 24: have hearing for that. No, No, there are there are
Speaker 24: thousands of deaf cdl over the road, truck drivers, there's.
Speaker 6: A whole well, I didn't know that. I did not
Speaker 6: know that.
Speaker 13: Wow road for the past eight years.
Speaker 6: So he does usually stay employed, yes, until he just well,
Speaker 6: what what did you mean? What did you mean when
Speaker 6: you said you thought it was because he was deaf?
Speaker 6: He was fired from pref What happened to the previous job.
Speaker 21: He came back from the job, they got a new supervisor.
Speaker 21: The supervisor told him he didn't think it was safe
Speaker 21: for a deaf person to drive over the road, and
Speaker 21: he talked him in it. Just trying to retire, So
Speaker 21: he was getting old, he should retire, and he listened
Speaker 21: to the guy. And so instead of actually making him
Speaker 21: fire him because a reason, he voluntarily quit and the
Speaker 21: guy said that. And so there's no documentation as the
Speaker 21: actual reason that he was fired that any documentation that
Speaker 21: he never got anything about it would have said that
Speaker 21: he retired.
Speaker 6: So, yeah, how old is your son about that? How
Speaker 6: old is your son?
Speaker 21: Oh, jeez, I say, he's bomb You hit me man,
Speaker 21: and my wife would tell you, but I can't. He
Speaker 21: is probably he was born in the eighties, so he's
Speaker 21: probably about the fifties. He's in his middle fifties, late fifties.
Speaker 6: Maybe okay, all right, bro listen, call if you need anything.
Speaker 6: But right now, I think he'll have plenty of time.
Speaker 21: Well, see, I've been familiar with it, and that's what
Speaker 21: I like you told me is what I had to
Speaker 21: go through to a vict somebody. So when I told
Speaker 21: today the landlord, I said, well, I said he they
Speaker 21: may not be out. She says, well, that's okay, Yeah,
Speaker 21: don't worry. He should be gone to be out. And
Speaker 21: she didn't tell me, okay, And I know that they
Speaker 21: have to post, they have to go to court, get
Speaker 21: a court date.
Speaker 6: Yes, right, you know you have plenty of time. You
Speaker 6: just I wouldn't go. I would not go beyond thirty days.
Speaker 6: And then you know you're going to have to pay
Speaker 6: for that month as well. I got to take a break.
Speaker 6: I'm Tom Martine three oh three seven one three talks
Speaker 6: seven one three eight.
Speaker 7: Two five fives.
Speaker 6: I want to make a few things really clear. We
Speaker 6: were talking about apple Woods pricing. We were talking about Brothers,
Speaker 6: we were talking about fixed It. I talked about Plumbline,
Speaker 6: I talked about other companies. These companies are superior and
Speaker 6: I I just need to say this Apple would We
Speaker 6: have never gotten a complaint about quality or honesty, or
Speaker 6: integrity or actual products or services. Ever, the pricing issue
Speaker 6: is sensitive to all of us as we are with
Speaker 6: the price of eggs that goes for other great companies.
Speaker 6: They're charging lots of money for certain things, not so
Speaker 6: much for others. But I need to stress that to
Speaker 6: you that when I talk about pricing, I'm not talking
Speaker 6: about honesty. Honesty is a given with these companies, but
Speaker 6: they charge what they charge. It's up to you to
Speaker 6: do the shopping. And we're proud of our referral list
Speaker 6: and all of the members. And in full disclosure, every
Speaker 6: company I mentioned is on a referral list at referral
Speaker 6: list dot com. Okay, Compass Insurance Group is on there too.
Speaker 6: They do free insurance checkups, meaning they tell you if
Speaker 6: you have good deals or not. Three h three nine
Speaker 6: one thousand 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 time for an insurance checkup free no obligation.
Speaker 6: Comparison call Compass Insurance paying too much your coverage at
Speaker 6: dozens of insurance companies find out now three oh three
Speaker 6: seven to seven to one help. You'll think you're his
Speaker 6: only customer when you choose Frank durand the real estate
Speaker 6: man dot com to list your home with Remax Alliance
Speaker 6: three oh three nine two zero sixteen twenty two. Hi
Speaker 6: Tom Martinez here three oh three seven one three talk
Speaker 6: seven one three eight two five five. CMG Financial, by
Speaker 6: the way, is doing reverse loans right now. So if
Speaker 6: you need reverse loans CMG Financial talk to John for
Speaker 6: reverse loans or the all in one, which is a
Speaker 6: thirty year line of credit, and for every day you
Speaker 6: have money in the bank, they give you credit on
Speaker 6: your interest three zho three eight a two sixty six
Speaker 6: seven nine eight a two sixty six seventy nine partner
Speaker 6: in lending dot com. Deputy Bow has a follow up
Speaker 6: on Peggy's house, and I'm going to tell you what happened.
Speaker 6: Peggy called in today, but she had a terrible seward
Speaker 6: smell in her apartment. No one could figure it out.
Speaker 6: Bo went over there and he verified it and contacted authorities.
Speaker 6: The Colorado Department of Health went out to investigate. We
Speaker 6: were awaiting their findings, Pegy says By the way she's
Speaker 6: moving anyway, but she can't find out what their findings were.
Speaker 6: And I said, look, we're gonna have Bo check it
Speaker 6: out because she wanted to know if they're doing anything
Speaker 6: and what are they doing. So she was just puzzled.
Speaker 6: So what did you find out? Bo?
Speaker 15: So, yeah, she didn't finish this story. She might have
Speaker 15: got a little nervous, but because of the involvement of
Speaker 15: the Troubleshooter show and hitting these inspectors out, the management
Speaker 15: of the Tamra and Hall apartments went to her because
Speaker 15: of these people climbing around their building checking things out.
Speaker 15: They offered to let her break her lease and they're
Speaker 15: going to pay her moving expenses to go into a
Speaker 15: brand new building they manage on twenty second in Valencia.
Speaker 6: Well, that's great.
Speaker 15: They're gonna let her out of the lease and they're
Speaker 15: gonna pay her moving expenses and the public information.
Speaker 18: Wow, I think.
Speaker 15: It's really I think it's success. Even though we don't
Speaker 15: know where the smell is coming from, She's able to
Speaker 15: get out of there and the management company's paying for
Speaker 15: it because of our involvement.
Speaker 6: Well, I can't believe she left that part of the
Speaker 6: story out.
Speaker 15: I think she got a little nervous, you know, Tom,
Speaker 15: she's very ill from this smell. She's sick. You know.
Speaker 15: It's just a bad situation. And the public information officer
Speaker 15: is going to call me as soon as they find
Speaker 15: out where this odor is coming from, and I think
Speaker 15: it's in other apartments, but she's the only one they
Speaker 15: had the fortitude to call us about it.
Speaker 6: So they're going to let her out of release and
Speaker 6: pay her moving expenses to go to another building that
Speaker 6: they manage.
Speaker 15: And it's apparently a brand new building, a brand new build.
Speaker 6: I think that's wonderful. Go ahead, d.
Speaker 8: BO, how both first of all, congratulations and what a
Speaker 8: great job you did for this lady. How quickly can
Speaker 8: they get her out of there and away from the smell? Oh?
Speaker 8: So like next week?
Speaker 6: Yeah, like they're they're they're they're ready to move her now.
Speaker 8: Fantastic.
Speaker 2: Yeah, thank you.
Speaker 15: Yeah, she's got to get rid of some stuff. But yeah,
Speaker 15: it's within a couple of weeks, she's get the hell
Speaker 15: out of there.
Speaker 6: Okay, good, that's and that even deserves.
Speaker 7: Yes Bo listen.
Speaker 6: Also, just while I have you on, did we give
Speaker 6: you something this morning? No? I gave that to D
Speaker 6: on the okay, yeah, hold on to that.
Speaker 7: Okay.
Speaker 6: So thank you very much, appreciate that. Bow, really splendid job.
Speaker 6: I did give you another one. I wanted you to
Speaker 6: go out and check. Oh that was it. No, that
Speaker 6: was it. That was the one. I said, Well, we'll
Speaker 6: have Bow check it out.
Speaker 7: Okay.
Speaker 6: So she's going to be into a brand new building.
Speaker 6: They're paying her moving expenses, they're letting her out of
Speaker 6: the current lease. Great news. Now, earlier today, when I'm
Speaker 6: talking about Deputy d here, we had a woman who
Speaker 6: is very upset. She took her twenty eighteen gmc arcadia
Speaker 6: to Accurate Auto and Northland Accurate installed a Jasper engine.
Speaker 6: Now the rear main seal is leaking, and Accurate says
Speaker 6: according to her, it's not part of the original warranty.
Speaker 6: They're not doing anything about it. By the way, I
Speaker 6: did find out that all Jasper rebills include brand new
Speaker 6: rear seals. That's what somebody who deals with Jasper told me. Now,
Speaker 6: what's new on this case, Deputy.
Speaker 8: D well Tom to cut to the chase. The case
Speaker 8: is closed, and here's.
Speaker 6: Here's how I closed in a good way, I hope.
Speaker 8: No, well, not so good for the call verse oh,
Speaker 8: what happened, Alice. Alice immediately referred me to her son, Armando,
Speaker 8: who's the gentleman. That's his car. He's the one that's
Speaker 8: been dealing with Accurate Automotive. He gave me his side
Speaker 8: of the story, and he also told me what he
Speaker 8: found out from Jasper about their warranty and what parts
Speaker 8: are covered.
Speaker 6: Well, tell me tell me about how so why is this?
Speaker 6: Are they acknowledging they should do the seal?
Speaker 8: No? So, first of all, Accurate Automotive is totally in
Speaker 8: the clear on this.
Speaker 6: Very long okay, but why if they did? If they
Speaker 6: did the Jasper engine, just tell me if I'm wrong.
Speaker 6: Does a Jasper engine come with a new seal?
Speaker 8: No, you're right about that. The problem is that Alice
Speaker 8: and Armando are mistaken. It's not a Jasper engine. After all,
Speaker 8: it came from some other rebuilder, and this particular rebuilder
Speaker 8: doesn't warranty the rear. Well, not only does it. Let
Speaker 8: me let me backtrack a little bit. It came from
Speaker 8: another rebuilder. But I had an extensive conversation with Alex
Speaker 8: who's the owner of Accurate Automotive, and he said that
Speaker 8: in this particular car, this particular Arcadia. The rear main
Speaker 8: seal is not in the engine. It's it's part of
Speaker 8: some module that goes between the engine and the transmission sould.
Speaker 8: But I didn't know about that.
Speaker 6: But I didn't know what the hell I was talking about, right,
Speaker 6: because most of them are in the transit most.
Speaker 8: Of them are, but in this particular engine, it's in
Speaker 8: some module outside of the engine. So what Alex told
Speaker 8: me is that this car has a lot more problems
Speaker 8: than the rear main seal, which is only one of them.
Speaker 8: It also has a front crank seal that keeps blowing
Speaker 8: out that is covered by Accurate Automotive's own warranty, and
Speaker 8: they're willing to make that repair again. They made that
Speaker 8: repair once it failed because the rear main is still defective,
Speaker 8: and they're willing to make this warranty repair again, provided
Speaker 8: the Romando has the rear main seal repaired at his expense.
Speaker 8: And also there are other problems. For example, there's a
Speaker 8: leaking fuel pump.
Speaker 6: Okay, so let me get a shot.
Speaker 7: I want I want to I'm gonna recap this.
Speaker 6: Yeah, so peeps, he's saying in this twenty eighteen GMC Arcadia,
Speaker 6: by the way, get Kevin Calkin on. I want to
Speaker 6: get him on before the end of the show at
Speaker 6: Sheridan and all.
Speaker 8: Just a twelve. It's a twenty twelve GMS.
Speaker 6: I'm sorry, a twenty twelve. And what they're saying is
Speaker 6: that the rear main seal is not part of the engine,
Speaker 6: but a separate unit that marries the transmission to the engine.
Speaker 6: And that's going to US five grand to fix the total.
Speaker 8: So no, not that alone. There's a list of other
Speaker 8: mandatory repairs that really need to happen to this engine
Speaker 8: in order to maintain its warranty.
Speaker 6: But it wasn't part of the that the engine.
Speaker 8: Forty seven hundred or parsionally five thousand dollars repair includes
Speaker 8: the rearmain seal, plus these other repairs that must be done.
Speaker 6: But why didn't they tell them that when they had
Speaker 6: their engine done? Tell him what that they need all
Speaker 6: this other work?
Speaker 8: So they did so this car.
Speaker 6: So you mean to tell me that all totaled these
Speaker 6: people needed when they drove in more than ten thousand
Speaker 6: dollars in repairs.
Speaker 8: Now I think you and I must have parted waste.
Speaker 6: Okay, story, the original engine was five grand approximately. Okay,
Speaker 6: the new work they have is ten grand. That's five
Speaker 6: and five is ten new work is not is not
Speaker 6: ten grand, it's five grands. That's five plus five equals ten.
Speaker 7: Correct, So that's what I said.
Speaker 6: Yes, that she needs ten thousands, so driving into that shop,
Speaker 6: originally that car needed ten thousand dollars.
Speaker 8: I hate to disagree with you, but no at the beginning,
Speaker 8: so this was two and a half years ago.
Speaker 6: This oh my god, Oh it was two and a
Speaker 6: half years.
Speaker 8: That was absent from the original callers story.
Speaker 6: Two and a half years. Okay, so I gotta take
Speaker 6: a break. We'll come back for more of this. I'm
Speaker 6: Tom Martino. 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. Time for an insurance checkup, free, no obligation
Speaker 6: comparison call Compass Insurance paying too much your coverage at
Speaker 6: dozens of insurance companies find out now three oh three
Speaker 6: seven to seven to one help. You'll think you're his
Speaker 6: only customer when you choose Frank durand the real estate
Speaker 6: Man dot com to list your home with Remax Alliance
Speaker 6: three oh three nine two zero sixteen twenty two all right,
Speaker 6: I'm Tom Martino. I finally got a handle on this problem,
Speaker 6: and it makes complete sense. Her son Armando took a
Speaker 6: twenty twelve Arcadia to accurate two and a half years ago.
Speaker 6: They did the engine, a rebuilt engine two and a
Speaker 6: half years ago. Since then, it developed a rearmain seal.
Speaker 6: It's still under warranty. But that rearmain seal in that
Speaker 6: engine is not part of the engine, and I brought
Speaker 6: up I want to verify that with Kevin Colkin. Kevin,
Speaker 6: they're saying, this is not like the engines where the
Speaker 6: rearmain seal is tucked into the back of it. This
Speaker 6: is a separate unit between the transmission and the engine.
Speaker 6: Is that true?
Speaker 18: Well, yes and no. I mean depending on the reman
Speaker 18: A lot of the remands we have come installed with
Speaker 18: the remained seal, so it would be part of the warranty.
Speaker 6: But would it be on a twenty twelve GMC Arcadia.
Speaker 18: Yeah, more than likely the remain seal comes. Okay, you're
Speaker 18: pretty installed. It's not something we installed before we put
Speaker 18: it in.
Speaker 7: Okay.
Speaker 6: They said it wasn't part of the original installation. Okay,
Speaker 6: and whether I don't know if that's true. Or not
Speaker 6: or what they're talking about. But what they're saying is
Speaker 6: is that they did an engine two and a half
Speaker 6: years ago. Now they come back with a rearmain seal.
Speaker 6: Would you expect that to be covered under a used
Speaker 6: engine if excuse me, under a remanned engine, if it
Speaker 6: was done two and a half years ago.
Speaker 18: Well, yeah, the ones we install have a three year
Speaker 18: unlimited mile so it would definitely be covered.
Speaker 6: Yes. But would the rearmain seal be carvered as part
Speaker 6: of it.
Speaker 18: Yes, it would.
Speaker 8: But I think that Kevin, I think the part that
Speaker 8: you that I think we haven't told you yet is,
Speaker 8: according to the shop, in this particular car, this particular engine,
Speaker 8: the rearmain seal sits in some sort of a module.
Speaker 6: I told them that.
Speaker 8: That's in between the engine and the transmission. But Kevin said,
Speaker 8: and when the rebuilt engine showed up, it doesn't come
Speaker 8: with that module. They had to reuse the old modules.
Speaker 18: But if it did come with it, then yes, see.
Speaker 6: Okay, See, well they are saying that the engine that
Speaker 6: they charged them for did not include that intermediary peace.
Speaker 8: They reuse the existing intermediary structure between the engines.
Speaker 6: Because they didn't want to increase the cost, so they said.
Speaker 6: Then after that they said, this happens two and a
Speaker 6: half years later. So is it drivable right now?
Speaker 8: Well, it's drivable, but you're they're doing a lot of
Speaker 8: damage to it while driving it.
Speaker 6: Like, I'd like Kevin to see if it is a
Speaker 6: separate unit. That's all I want to, says.
Speaker 8: A good idea, just to see if and ask you
Speaker 8: to make an appointment with Kevin.
Speaker 6: Yeah, I'd like Kevin to just eyeball it and say, yeah,
Speaker 6: that is a separate unit or not.
Speaker 8: I'll right now.
Speaker 6: Yeah, thank you, Kevin. Mike, what's going on with you? Mike?
Speaker 6: What are you calling about?
Speaker 11: I'm calling about the Great Horror Payback and I'm wondering
Speaker 11: if you have any age?
Speaker 6: Yeah, yeah, well no, but what do you need specific?
Speaker 6: Tell me what's going on.
Speaker 11: Situations this. I looked at the Great Caller at a payback.
Speaker 11: My dad's name is on there. He said, three dollars
Speaker 11: from a company he passed in nineteen ninety six. So
Speaker 11: the estate is absolutely closed. Called Great Colorado Payback and
Speaker 11: they wanted a claim form and a copy of the
Speaker 11: desert certificate. I uploaded that to them.
Speaker 6: They came back, did you tell me, wait a minute, wait, wait, wait,
Speaker 6: I need to verify this mic. Did you say it's
Speaker 6: for three three dollars one two three dollars.
Speaker 11: Three dollars and tell me didn't.
Speaker 6: You spend more than three dollars? How important is this
Speaker 6: three dollars to you? Bro?
Speaker 11: It's not it's not, And I'm more than willing to
Speaker 11: take up server space on the State of Colorado's server
Speaker 11: to prove a point. So they came back and said.
Speaker 6: All right, I want to get you back on listen
Speaker 6: now that I know, Now that I know you're not
Speaker 6: a nut and you're just crusading, I want to get
Speaker 6: you back on the show tomorrow. But we're out of
Speaker 6: time right now, so please do that. Three O three
Speaker 6: seven one three talks I remember, But call three oh
Speaker 6: three Martino for the next show and we'll get you on.
Speaker 6: That's three O three six two seven eight four sixty
Speaker 6: six