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<v Speaker 1>Ripped of.

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<v Speaker 2>News, need advice, so you don't.

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<v Speaker 3>Have come running.

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<v Speaker 4>Just as fas as you can, Shooter's gonna help come man,

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<v Speaker 4>this is.

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<v Speaker 5>The Troubleshooter Show. No Tom Martinez.

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<v Speaker 2>Hello, what's going on in your life? Let's talk about

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<v Speaker 2>it every day, aches and pains, the things that make

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<v Speaker 2>you tick, the things that tick you off. You know,

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<v Speaker 2>even though we do have a discussions having to do

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<v Speaker 2>with the day's news, a politics, it's only as it

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<v Speaker 2>as it applies to us in our pocketbook and our life.

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<v Speaker 2>This show truly can't be defined as just one topic, obviously,

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<v Speaker 2>but it's all about helping people, and not just helping,

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<v Speaker 2>but discussing issues before they become an issue. And right

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<v Speaker 2>now I can't help but look at the amount of

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<v Speaker 2>scams is It is flabbergasting. I mean, my god, the

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<v Speaker 2>amount of scams right now online. There are especially seniors

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<v Speaker 2>and young people. There seems to be a gap of

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<v Speaker 2>sanity in between where they don't get hooked as much.

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<v Speaker 2>But young people, and I say young people from their

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<v Speaker 2>mid twenties onto their forties and then or thirties, and

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<v Speaker 2>then you have people over sixty getting just taken advantage

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<v Speaker 2>of and they We're not talking about a few dollars

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<v Speaker 2>here and there. We're talking about thousands and thousands of dollars.

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<v Speaker 2>Now we might go. We might not be able to

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<v Speaker 2>prevent them completely, but we can at least make our

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<v Speaker 2>listeners wiser. Let's go to the phones, and the number

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<v Speaker 2>to call all the time if you want to get

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<v Speaker 2>on the show is three oh three Martino, and we'll

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<v Speaker 2>get you in there. Even if you call after hours

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<v Speaker 2>that that queue will we'll we'll listen to the voicemail

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<v Speaker 2>and get you on. You never have to wait. That's

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<v Speaker 2>three oh three Martino, three O three six two seven

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<v Speaker 2>eight four sixty six. Dustin is starting off the fun

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<v Speaker 2>today and he's talking about Porter Care. Now, what's going

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<v Speaker 2>on with you, Dustin? What's happening?

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<v Speaker 3>So?

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<v Speaker 6>I uh was in there adm minutes of the hospital

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<v Speaker 6>for a broken bone and was it in the waiting room.

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<v Speaker 6>Took some pictures of my ankle, which clearly you can

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<v Speaker 6>see it's not bleeding, the bone's not sticking out. The

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<v Speaker 6>X ray tech took an X ray within a mobile

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<v Speaker 6>device and said, yeah, you have a broken heel. We

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<v Speaker 6>need more X rays. So I'm like, okay, great. My

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<v Speaker 6>mother and sister were there as a businesses in the

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<v Speaker 6>waiting room. I called them it.

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<v Speaker 1>Was mother's day.

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<v Speaker 6>I was supposed to have U with that and or lunch.

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<v Speaker 1>Sorry.

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<v Speaker 3>So they showed up to the hospital, waited in.

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<v Speaker 6>The waiting room with me, and they called me back.

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<v Speaker 1>To do more x rays.

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<v Speaker 2>We don't even go in the x ray room.

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<v Speaker 6>My mother and sister are with me, and yes, ra

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<v Speaker 6>Texta grabbed my ankle and starts twisting it, and I say,

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<v Speaker 6>you know, hey, that hurts like my ankle is broken.

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<v Speaker 1>That doesn't feel good. And instead of need to.

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<v Speaker 6>Rotate my leg, he says, well, we need to get

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<v Speaker 6>this shot and continues twisting, and then there's a loud

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<v Speaker 6>pop and he says oops, and we look down and

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<v Speaker 6>my bone.

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<v Speaker 2>Sticking out of my skin, and then leaning, oh my god,

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<v Speaker 2>wait a minute, Wait a minute, wait a minute. So

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<v Speaker 2>he he is the one that manipulated your leg and

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<v Speaker 2>caused the bone to pop out. Yes, so now now,

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<v Speaker 2>but the bone was already broken, right, I mean, obviously

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<v Speaker 2>the bone was already broken.

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<v Speaker 1>Bone is broken.

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<v Speaker 6>He could have literally asked me just to turn my

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<v Speaker 6>foot to the outside to get the same angle that

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<v Speaker 6>he was looking for instead of grabbing it.

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<v Speaker 1>Wow.

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<v Speaker 2>Okay, So so what happened after after the bone pops

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<v Speaker 2>out of the skin. Holy crap, Other than being shocked,

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<v Speaker 2>what did you do? Did you faint or something? What happened?

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<v Speaker 6>I said, al and then I looked down and my

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<v Speaker 6>foot is bleeding all over the table. I grabbed my

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<v Speaker 6>phone and took a picture immediately because I was like,

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<v Speaker 6>I'm going to document this. My mother and sister witnesses

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<v Speaker 6>as well. They continue taking their X rays, and then

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<v Speaker 6>in the notes they put that I came in with

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<v Speaker 6>a compound fracture, saying that it was already popping.

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<v Speaker 1>Out of the skin.

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<v Speaker 6>So time goes, I have to have an unnecessary surgery

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<v Speaker 6>to deal with the unnecessary pain and suffering obviously, as

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<v Speaker 6>well as all the unnecessary drugs, antibiotics, all of that

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<v Speaker 6>fun stuff that I shouldn't have had to deal with

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<v Speaker 6>because of their negligence.

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<v Speaker 2>Right now, now, now, hold on, though, Now you're you're

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<v Speaker 2>making you're making some giant leaps. Okay, you're saying that

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<v Speaker 2>it's it's it is possible that you did come in

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<v Speaker 2>with a compound. I mean, it wasn't through the skin yet,

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<v Speaker 2>but it could have been a compound fracture just under

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<v Speaker 2>the skin. You're assuming that they caused the damages. I mean,

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<v Speaker 2>you did come in with with with some damage, right,

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<v Speaker 2>we can agree to that.

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<v Speaker 6>The bone is broken. Compound fracture means that it's perforated

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<v Speaker 6>through the skin. So it was not for Fred, that's

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<v Speaker 6>right when I came in.

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<v Speaker 2>No, no, I understand what you're saying. But what I'm

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<v Speaker 2>saying is the conditions for the compounding fracture were all

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<v Speaker 2>there and his manipulation caused it to pop through the skin.

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<v Speaker 2>Look at I get what you're saying. And you went

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<v Speaker 2>through you did, you went through some other pain that

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<v Speaker 2>you possibly wouldn't have gone through. So what I need

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<v Speaker 2>you to do, Dustin, because this is this is a

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<v Speaker 2>very complicated case, but with malpractice, because that's what you're

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<v Speaker 2>talking about, malpractice. The burden of proof. The burden of

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<v Speaker 2>proof is such that, now listen carefully. You have to

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<v Speaker 2>show that the standard of care was not up to

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<v Speaker 2>the area the community. In other words, if you're in

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<v Speaker 2>a third world country, the standard of care is different

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<v Speaker 2>than if you're at Porter okay. So, and you have

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<v Speaker 2>to show that the direct actions or in actions of

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<v Speaker 2>a healthcare provider led to the increased pain and suffering,

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<v Speaker 2>or led to the additional problems. Okay that In other words,

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<v Speaker 2>they would not have happened if that bone was ready

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<v Speaker 2>to pop through the skin and they just helped it

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<v Speaker 2>a little. They didn't really cause it. They contributed to it,

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<v Speaker 2>but they didn't cause it. It wasn't negligent to try

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<v Speaker 2>to get the bones lined up. Now, I'm not talking

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<v Speaker 2>about your case. I'm talking about in general. So I

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<v Speaker 2>want you to tell me exactly what they did wrong

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<v Speaker 2>and what damages you have.

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<v Speaker 6>Twisting my foot. If you're laying there and your feet

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<v Speaker 6>are pointing to the ceiling, you can twist your body

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<v Speaker 6>so you're let your foot would be pointing to the outside.

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<v Speaker 6>If he did not grab it, right, be on the

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<v Speaker 6>point when I was telling him it hurts, that would

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<v Speaker 6>have never happened.

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<v Speaker 2>Ever, even if he did a break. No, I get it. Now,

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<v Speaker 2>did the break though the break was already there?

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<v Speaker 1>Right?

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<v Speaker 2>Or are you saying that it wasn't broken and he

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<v Speaker 2>broke it.

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<v Speaker 6>The break was there, the bone sticking out of the

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<v Speaker 6>skin was not, and it would not have happened with him.

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<v Speaker 2>I get it.

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<v Speaker 1>Twisting now, I get that.

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<v Speaker 2>Okay, So what are your damages. How long did that

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<v Speaker 2>visit last? In that emergency room?

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<v Speaker 6>I had to stay overnight and then have surgery, and

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<v Speaker 6>then was in the hospital for several days after that

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<v Speaker 6>because they had to give me.

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<v Speaker 2>What are you saying that was? But Dustin, I'm trying

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<v Speaker 2>to differentiate. This is clear for everyone listening. I'm malpracticed.

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<v Speaker 2>Let's just get it right out there. You have to

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<v Speaker 2>show that part of it was due to what they

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<v Speaker 2>did and that contributed to it or caused it. If

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<v Speaker 2>you have pain and suffering with a compound fracture, that's

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<v Speaker 2>not necessarily malpractice. You were going to have pain and

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<v Speaker 2>suffering no matter what. What increased pain and suffering did

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<v Speaker 2>you have as a result of what they did? And

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<v Speaker 2>what is that increased pain and suffering worth or even better?

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<v Speaker 2>And I don't mean better, but better for the malpractice suit?

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<v Speaker 2>Did they cause any lasting harm as a result of

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<v Speaker 2>what they did initially? Did they have any did they

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<v Speaker 2>cause any lasting harm? Well?

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<v Speaker 6>Do you think if you had a broken bone and

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<v Speaker 6>someone twisted it and causes the bone to terity your skin,

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<v Speaker 6>that it's not going to cause more pain?

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<v Speaker 2>I think I know it, called Dustin, I don't doubt

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<v Speaker 2>it causes more pain, and but that more pain could

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<v Speaker 2>have been inevitable that you were going to have more

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<v Speaker 2>pain when they set the leg. Anyway, I'm not arguing

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<v Speaker 2>with you. I'm trying to find out which part of

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<v Speaker 2>this is malpractice. You're going to have pain when you

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<v Speaker 2>have a fracture of your leg and they're trying to

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<v Speaker 2>set your leg. I want to know what was negligent.

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<v Speaker 2>That the bone tearing through the skin was terrible, But

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<v Speaker 2>that's one incident. That incident in and of itself. While

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<v Speaker 2>it might be a malpractice, it's not actionable, meaning no

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<v Speaker 2>attorney is going to take a case because bone went

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<v Speaker 2>through the skin and it was then over with. Now,

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<v Speaker 2>if bone went through the skin and then it caused

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<v Speaker 2>some irreparable harm where it could never be repaired properly,

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<v Speaker 2>that's different. I'm trying to help you come up with

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<v Speaker 2>something that is either permanent or lasted so long that

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<v Speaker 2>it made your life miserable. I'm looking for something that's action,

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<v Speaker 2>something that was so excruciating and that was blatantly negligent

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<v Speaker 2>on their part. Twisting your leg and trying to set

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<v Speaker 2>your leg was not that. I mean, if he, if he,

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<v Speaker 2>I'm trying to come up with what's that amazing?

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<v Speaker 7>They turned around and charged him for the damage that

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<v Speaker 7>they did.

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<v Speaker 2>The additional damage. Yeah, well that's a different issue. I

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<v Speaker 2>think we need to get I think we need to

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<v Speaker 2>get an attorney that market deals with stuff like this.

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<v Speaker 2>Let's get Marco Dustin't I'm not good at talking about

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<v Speaker 2>malpractice because it's sometimes I think there's nothing there and

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<v Speaker 2>sometimes there is. And I'm not a really good arbiter

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<v Speaker 2>of this. However, I do know this, Okay, malpractice suits

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<v Speaker 2>are some of the most difficult suits, not just to win,

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<v Speaker 2>but to even get to the courthouse, because you have

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<v Speaker 2>to have another healthcare provider look at what was done

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<v Speaker 2>and say literally, this was malpractice based on the records,

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<v Speaker 2>the notes and what happened. I don't doubt Dustin that

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<v Speaker 2>that you were mistreated in a way, maybe because the

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<v Speaker 2>guy kept twisting and turning and then finally the bone

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<v Speaker 2>came through. I don't doubt that. But that in and

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<v Speaker 2>of itself does not constitute unactionable malpractice. But I want

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<v Speaker 2>to talk to Marco Benddelli, an attorney, since you called in,

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<v Speaker 2>I want I want to get you a hearing from

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<v Speaker 2>a guy that handles these cases. So hold on, let's

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<v Speaker 2>get Marco on Kaschina three three seven to one, three

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<v Speaker 2>Talk seven one three eight, two five five. Yeah, this

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<v Speaker 2>is a terrible case, but malpractice is a very, very

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<v Speaker 2>tricky area of law. We have more right after this. Hi,

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<v Speaker 2>Tom Martino here three three said on three Talks seven one, three, eight, two,

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<v Speaker 2>five to five. Listen. I want to talk about this

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<v Speaker 2>because I think malpractice was one of the most misunderstood things.

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<v Speaker 2>I'm gonna go on to other calls until we get Marco.

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<v Speaker 2>But the guy was twisting his ankle and stuff. What

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<v Speaker 2>they try to do with a break is align the

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<v Speaker 2>bone so they can see what they're dealing with. I

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<v Speaker 2>don't know if they took X rays before. I don't

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<v Speaker 2>know if they took X rays before they touched them.

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<v Speaker 2>What that they're doing. The fact that the bone went

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<v Speaker 2>through the skin is serious and it is extra injury.

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<v Speaker 2>But did they cause it or was it inevitable? What

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<v Speaker 2>you have to show is that it was unreasonable and

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<v Speaker 2>beneath the standard of care to do what that dock

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<v Speaker 2>or that whoever was that nurse did. It was below

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<v Speaker 2>the standard of care, and it caused additional damage and

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<v Speaker 2>additional pain and suffering. There is no doubt it caused

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<v Speaker 2>additional pain when the bone went through the skin. So

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<v Speaker 2>I want Dustin to know. I would be really pissed

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<v Speaker 2>off to Dustin, and I agree with you. You go

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<v Speaker 2>in there with a break and then all of a

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<v Speaker 2>sudden they pop the bone through your skin. But what

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<v Speaker 2>is it, for lack of a better term, what is

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<v Speaker 2>that worth? That's the problem we come to trying to

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<v Speaker 2>figure out what is it worth? Mark, did you have

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<v Speaker 2>comments on it? You were saying something during the break

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<v Speaker 2>on it. Well, I feel bad for the guy big time.

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<v Speaker 7>I can't believe the guy made that big of a

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<v Speaker 7>mistake on his foot. But I don't see any like

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<v Speaker 7>life changing events happening here. I don't think an attorney's

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<v Speaker 7>going to touch it simply because there's no money in it.

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<v Speaker 7>It really does so I wish he ended up paying

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<v Speaker 7>for their mistake. But unfortunately, there's not much to do here.

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<v Speaker 7>An attorney wouldn't make anything on this.

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<v Speaker 2>No, and that's where the problem is that I wish

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<v Speaker 2>there was a level of malpractice because healthcare providers many

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<v Speaker 2>times will do a lot of things. I'm not talking

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<v Speaker 2>about tiny things. Listen, we got to give people grace.

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<v Speaker 2>But and I'm not talking about the really major things

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<v Speaker 2>where the attorneys line up to take your case. But

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<v Speaker 2>it would be nice if there was an equivalent of

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<v Speaker 2>a small claim you can make for malpractice where you're

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<v Speaker 2>heard by a panel of judges, let's say, where attorneys

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<v Speaker 2>aren't allowed and you simply go in and make some

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<v Speaker 2>claims and you get small satisfaction because let's say Dustin

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<v Speaker 2>went through some excruciating pain as a result of this

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<v Speaker 2>bone puncturing the skin, and it was very uncomfortable and

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<v Speaker 2>it was unnecessary, but it doesn't rise to the level

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<v Speaker 2>of a malpractice case. It would be nice if there

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<v Speaker 2>was some kind of forum where these people could be

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<v Speaker 2>heard or the healthcare provider has to answer for this.

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<v Speaker 2>I'm want to move on and hold on Dustin, getting

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<v Speaker 2>an attorney on for you. We're going to try like hell.

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<v Speaker 2>Right now, I'm going to talk to Bob about a contractor. Bob,

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<v Speaker 2>welcome to the show. What's going on with you?

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<v Speaker 1>Hey, Tom?

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<v Speaker 8>Thanks for having me on the show last month. On

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<v Speaker 8>the week prior to the May twenty fourth, I solicited

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<v Speaker 8>bids from five concrete contractors to have some flatwork done

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<v Speaker 8>at our house and I wanted to appoint with the company.

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<v Speaker 8>I wound up going with the company.

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<v Speaker 1>They were not low bid.

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<v Speaker 8>He seemed the most knowledgeable and communicative at the time,

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<v Speaker 8>so we went with him. Day one he came in,

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<v Speaker 8>and it might be worth noting that all these companies

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<v Speaker 8>required fifty percent up front.

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<v Speaker 1>And okay, which kind of was not it? Maybe afortable?

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<v Speaker 2>Hey, Bob, I wouldn't have given I wouldn't have given

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<v Speaker 2>fifty percent up front unless it was when they started.

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<v Speaker 2>But that's neither here nor there. What kind of concrete

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<v Speaker 2>work you didn't say, what kind of concrete work were

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<v Speaker 2>you having done?

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<v Speaker 8>I was basically demoing an existing sidewalk on our front

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<v Speaker 8>yard and then building a footer with a stem wall,

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<v Speaker 8>and then three separate concrete paths or areas with concrete

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<v Speaker 8>at about a thousand square feet of concrete in total.

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<v Speaker 8>They did start that day. There was three of them

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<v Speaker 8>on the crew with the owner. They started working and

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<v Speaker 8>again doing the basic dirt prep. He worked for about

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<v Speaker 8>almost a week and a half on the project. He

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<v Speaker 8>did do a little bit of dirt work. He demoed

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<v Speaker 8>the front sidewalk, removed that, but the little issues started

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<v Speaker 8>popping up. One of the biggest ones was the fact

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<v Speaker 8>that he didn't really show up with a lot of

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<v Speaker 8>equipment or tools, so he wound up barring my wheelbarrow,

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<v Speaker 8>my extension cords, my shovels, and other equipment.

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<v Speaker 1>When he needed the jump.

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<v Speaker 2>All right, I mean he gave a bad first He

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<v Speaker 2>becave a bad first impression for sure. But let's get

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<v Speaker 2>to the meat. What happened.

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<v Speaker 8>Well, ultimately we had some disagreements on the workscope. There

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00:17:24.720 --> 00:17:27.720
<v Speaker 8>was a one week completion date which which kind of

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00:17:28.000 --> 00:17:31.519
<v Speaker 8>came and went. Then there was some work that was

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<v Speaker 8>being the work he was being done. He was covering

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<v Speaker 8>up some things that needed to be addressed, and ultimately

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<v Speaker 8>my wife and I wound up taking care of it ourselves.

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<v Speaker 1>He just covered it.

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<v Speaker 2>Give me an example of again, you got to give

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<v Speaker 2>me an example of what you're talking about. Some work

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<v Speaker 2>that he covered up. What are you talking about?

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<v Speaker 8>There was a large cottonwood tree we had cut down

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<v Speaker 8>a couple of years prior, and there was an extensive

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<v Speaker 8>root system underneath that existing sidewalk.

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<v Speaker 1>We didn't know how long until.

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<v Speaker 8>The concrete was removed. And any concrete company is going

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<v Speaker 8>to tell you there cannot be any organic material left underneath,

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<v Speaker 8>any kind of new flower, it's.

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<v Speaker 1>Going to be done.

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<v Speaker 8>So that had to be removed, and he kind of

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<v Speaker 8>sort of steered away from the conversation about that. He

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<v Speaker 8>went ahead and moved forward, compacted all the dirt right

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<v Speaker 8>over the top of these.

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<v Speaker 2>Well, Bob, when you knew, Bob, if you knew there

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<v Speaker 2>were roots under this, I'm trying to get a feeling here.

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<v Speaker 2>Did you just basically let him do what he was doing,

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<v Speaker 2>or did you say, wait a minute, this root system

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<v Speaker 2>has to be removed.

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<v Speaker 8>I told him that, yes, there's very good. Well you

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<v Speaker 8>could even tell that there was a roostersys from underneath here,

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<v Speaker 8>because well.

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<v Speaker 2>Did the contract, did the contract address it? Did the

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<v Speaker 2>contract say we'll remove or what did it? Why did

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00:18:50.839 --> 00:18:53.039
<v Speaker 2>you let him proceed if you knew it had to

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<v Speaker 2>be removed.

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<v Speaker 8>I was at work and we had the discussion that

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<v Speaker 8>as soon as he demos the sidewalk, he needs we

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<v Speaker 8>need to assess the situation, look at the roots and

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<v Speaker 8>see if if it's if they need.

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<v Speaker 1>To be removed or not.

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<v Speaker 8>That in one day, he removed the sidewalk and then

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00:19:10.640 --> 00:19:13.480
<v Speaker 8>spread the dirt out, packed it and called it good.

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<v Speaker 9>All right, Okay, we're.

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<v Speaker 1>Gonna all right, Bob.

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<v Speaker 2>And so so basically he didn't think it needed to

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<v Speaker 2>be removed, is what you're.

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<v Speaker 8>Saying, right, And I've had other country companies come out

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<v Speaker 8>and assess it since he's left. But what and they

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00:19:28.839 --> 00:19:31.400
<v Speaker 8>all agree that that the roots needed to come out.

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<v Speaker 2>That would have been extra cost to you or was

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<v Speaker 2>that in the contract?

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<v Speaker 8>It was partially in the contract, but our agreement was

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<v Speaker 8>that that whatever was in there, I would I would

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<v Speaker 8>make sure that I took care of removing the root systems.

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<v Speaker 8>But he didn't allow me the time to do that,

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00:19:50.160 --> 00:19:53.880
<v Speaker 8>and he went ahead and moved forward, basically covered up

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00:19:53.920 --> 00:19:57.759
<v Speaker 8>a potentially bad situation because what would happen is if

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00:19:57.799 --> 00:20:01.400
<v Speaker 8>foot dissolved in the ground can collapse the sidewalk.

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<v Speaker 2>No, I understand it leads the void, but that that

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00:20:06.160 --> 00:20:10.400
<v Speaker 2>is only for really big root systems. So what ended

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00:20:10.480 --> 00:20:13.599
<v Speaker 2>up happening? Are you getting are you getting failed? Well?

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<v Speaker 2>This was done when when you said May, right in May?

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<v Speaker 2>So what's happening now? What does the what does the

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<v Speaker 2>job look like now?

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<v Speaker 8>It looked well, basically on May thirty first, Saturday, May

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<v Speaker 8>thirty first, he came out to work. We tried to

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<v Speaker 8>discuss that and some other situations with the payments and

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<v Speaker 8>everything and the timeframe.

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<v Speaker 1>Uh, we had gone way over schedule.

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<v Speaker 8>I had to rent the jumping jack compactor for him

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<v Speaker 8>because he said.

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<v Speaker 2>He didn't know. Okay, so, but but you're still not

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<v Speaker 2>telling me. You're telling me a bad experience. But you're

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<v Speaker 2>telling me a bunch of little things. Did that add

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<v Speaker 2>up to failure of the job?

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<v Speaker 8>Yes, failure of the job. We paid him half, which

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<v Speaker 8>is which was six thousand dollars up front. He's only

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00:21:00.240 --> 00:21:03.759
<v Speaker 8>about fifteen hundred dollars worth of work, and he abandoned

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<v Speaker 8>the job, and he.

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<v Speaker 2>Is, okay, now we're getting Now, we're getting somewhere. Why

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<v Speaker 2>did he abandon the job?

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<v Speaker 8>Because he didn't want to discuss the issues that we

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00:21:16.160 --> 00:21:21.359
<v Speaker 8>had concerns about, and he got very upset, very irate,

382
00:21:21.799 --> 00:21:24.200
<v Speaker 8>and he said, well, we're just going to have to reschedule,

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<v Speaker 8>you know, And so tentatively he said that they would

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<v Speaker 8>reschedule for June twenty fourth.

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<v Speaker 2>So you you paid him, you paid him upfront, and

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00:21:36.119 --> 00:21:40.000
<v Speaker 2>you got only partial work. Who told you you only

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<v Speaker 2>had fifteen hundred dollars worth of work.

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00:21:43.680 --> 00:21:47.359
<v Speaker 8>Two other concrete companies that came out to assess the

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00:21:47.400 --> 00:21:51.839
<v Speaker 8>work that they had done, and they quoted that about

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00:21:52.000 --> 00:21:55.759
<v Speaker 8>fifteen hundred, maybe two thousand dollars out of the six thousand.

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00:21:55.920 --> 00:21:59.759
<v Speaker 2>Okay, hold on, hold on, if he poured any kind

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<v Speaker 2>of on creey at all, it's going to be more

393
00:22:01.519 --> 00:22:05.039
<v Speaker 2>than that. But I think what maybe you're saying is

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<v Speaker 2>he did the job, but you did not get any

395
00:22:08.799 --> 00:22:10.960
<v Speaker 2>value out of it because it has to be redone.

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00:22:11.000 --> 00:22:12.000
<v Speaker 2>Is that what you're saying.

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00:22:12.720 --> 00:22:17.000
<v Speaker 8>No, there was no there was no final prep work done,

398
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<v Speaker 8>there was no forms built.

399
00:22:19.200 --> 00:22:21.480
<v Speaker 2>I'm asking you. I'm going to ask this question again.

400
00:22:21.799 --> 00:22:25.079
<v Speaker 2>Are you saying that the work that was done is

401
00:22:25.160 --> 00:22:28.519
<v Speaker 2>so poor that it has to be redone?

402
00:22:28.799 --> 00:22:32.880
<v Speaker 8>No, yes, it has to be partially redone. And it's incomplete.

403
00:22:34.440 --> 00:22:38.000
<v Speaker 2>Okay, gotcha, I got you. Okay, No, no, I got you.

404
00:22:38.119 --> 00:22:41.559
<v Speaker 2>It's incomplete and part of it has to be redone.

405
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<v Speaker 2>Hold on to that. I'm Tom Martino Moore right after this,

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<v Speaker 2>Tom Martino, your troubleshooter. By the way, Dan McKenzie is

407
00:22:52.160 --> 00:22:56.279
<v Speaker 2>with us too, and Dan McKenzie is McKenzie law State law,

408
00:22:56.319 --> 00:22:58.599
<v Speaker 2>and I do have some text for him. Bob wants

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00:22:58.599 --> 00:23:02.559
<v Speaker 2>the way in on that issue. Uh on, that issue

410
00:23:02.559 --> 00:23:05.960
<v Speaker 2>with the contractor. Bob, go ahead, what did you Bob

411
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<v Speaker 2>is with l em Landscaping on a referral list? And

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<v Speaker 2>let me just sum this up. Okay, this job is

413
00:23:12.319 --> 00:23:14.920
<v Speaker 2>just basically a bad job. Bob doesn't like it. He

414
00:23:15.039 --> 00:23:18.240
<v Speaker 2>had words with the contractor, and the contractor walked off

415
00:23:18.240 --> 00:23:21.599
<v Speaker 2>the job. What Bob is upset about is he didn't

416
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<v Speaker 2>get the value for what he paid and that could

417
00:23:24.079 --> 00:23:26.079
<v Speaker 2>end up in small claims court or we can try

418
00:23:26.079 --> 00:23:28.920
<v Speaker 2>to call him now, who's ever moving stuff around? Is

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<v Speaker 2>that you? Bob? Can you kind of get to a

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00:23:31.000 --> 00:23:34.119
<v Speaker 2>quieter place or what what's going on? Window up?

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<v Speaker 10>Yeah?

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00:23:34.960 --> 00:23:35.559
<v Speaker 11>Okay, Tom?

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<v Speaker 2>Here, yeah, thank you put it up.

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<v Speaker 10>Here's what I want to Here's what I want to

425
00:23:39.079 --> 00:23:42.400
<v Speaker 10>tell people. You and I have this conversation throughout the year.

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<v Speaker 10>Several times he got exactly what he paid for, even

427
00:23:45.720 --> 00:23:47.880
<v Speaker 10>though he didn't get it. Twelve dollars a square flip

428
00:23:47.880 --> 00:23:50.119
<v Speaker 10>based on his measurement is the kind of work you're

429
00:23:50.119 --> 00:23:54.000
<v Speaker 10>gonna get. Okay, you asked him about stuff in the contract.

430
00:23:54.079 --> 00:23:58.279
<v Speaker 10>In our contract, every single thing is wrote down Tree Works.

431
00:23:58.480 --> 00:24:00.359
<v Speaker 10>We tell him we will take him out as long

432
00:24:00.400 --> 00:24:02.359
<v Speaker 10>as it's not a main lift. That will affect something,

433
00:24:02.519 --> 00:24:05.759
<v Speaker 10>which it never does. But he, from what I can tell,

434
00:24:05.880 --> 00:24:09.720
<v Speaker 10>he's blaming the contractor for what he takes. He's only wrong,

435
00:24:09.920 --> 00:24:13.039
<v Speaker 10>but he didn't do his job right here, Okay, he said, oh,

436
00:24:13.079 --> 00:24:15.440
<v Speaker 10>I didn't get the lowest bed, but I went with it. Well,

437
00:24:15.599 --> 00:24:17.559
<v Speaker 10>I guarantee he didn't see if the guy was writer's

438
00:24:17.559 --> 00:24:20.400
<v Speaker 10>secretary state. I guarantee he didn't say he got him

439
00:24:20.480 --> 00:24:23.440
<v Speaker 10>up for you, because I never got a call from him.

440
00:24:23.759 --> 00:24:25.839
<v Speaker 10>So here's what people need to understand. I'm going to

441
00:24:25.880 --> 00:24:29.160
<v Speaker 10>say again, when you get a contract bid, I don't

442
00:24:29.160 --> 00:24:30.839
<v Speaker 10>care if you're artist or not. You should have us

443
00:24:30.880 --> 00:24:33.119
<v Speaker 10>out so we can tell you what's how it should

444
00:24:33.119 --> 00:24:37.000
<v Speaker 10>be done. We have them approved offorming, we have them approved,

445
00:24:37.079 --> 00:24:40.519
<v Speaker 10>the road days, we have them approved, the remark we

446
00:24:40.599 --> 00:24:46.519
<v Speaker 10>have them, we give them fiber metare coding, Bob. Bob

447
00:24:46.640 --> 00:24:47.519
<v Speaker 10>practor didn't do.

448
00:24:47.480 --> 00:24:51.680
<v Speaker 2>His job right, Bob. Consumers don't always know what they

449
00:24:51.680 --> 00:24:54.480
<v Speaker 2>should get. So so you know when you said he

450
00:24:54.480 --> 00:24:57.799
<v Speaker 2>didn't do his job. A lot of consumers rely on

451
00:24:57.839 --> 00:25:00.880
<v Speaker 2>the expertise and trust of the contract. I mean, they

452
00:25:00.920 --> 00:25:03.640
<v Speaker 2>don't always know and they should by the way, I

453
00:25:03.720 --> 00:25:06.759
<v Speaker 2>do believe. One of the things I've always said about

454
00:25:06.799 --> 00:25:10.400
<v Speaker 2>being a consumer is doing research for the project at

455
00:25:10.440 --> 00:25:13.440
<v Speaker 2>hand to find out at least a little something about it.

456
00:25:13.559 --> 00:25:16.359
<v Speaker 2>But the bottom line is this, he said he didn't

457
00:25:16.359 --> 00:25:19.279
<v Speaker 2>get his money's worth and the guy walked off the job.

458
00:25:19.519 --> 00:25:21.440
<v Speaker 2>No matter what, there's got to be some kind of

459
00:25:21.480 --> 00:25:24.400
<v Speaker 2>an adjustment here. But I agree with you, Bob. I

460
00:25:24.440 --> 00:25:28.240
<v Speaker 2>do agree with you. You should educate themselves for what

461
00:25:28.279 --> 00:25:31.079
<v Speaker 2>they're doing. I'm sorry Mark, what you say, Well, it

462
00:25:31.319 --> 00:25:33.680
<v Speaker 2>just goes to show again that's why you don't pay

463
00:25:33.759 --> 00:25:36.440
<v Speaker 2>up front. If he didn't pay this guy up front,

464
00:25:36.480 --> 00:25:39.920
<v Speaker 2>instead pay him as he goes, which is fair, he

465
00:25:39.960 --> 00:25:44.720
<v Speaker 2>wouldn't be in the circumstance. Now, that's exactly right. That's

466
00:25:44.759 --> 00:25:48.720
<v Speaker 2>exactly right. So and Bob, thank you. And what Bob

467
00:25:48.799 --> 00:25:52.480
<v Speaker 2>is saying is true. I had this thing about I

468
00:25:52.559 --> 00:25:54.319
<v Speaker 2>call it amen. I'm not going to go through it,

469
00:25:54.359 --> 00:25:58.079
<v Speaker 2>but I use those letters a M N AMN to

470
00:25:58.160 --> 00:26:00.920
<v Speaker 2>remind you of things, and one of those is education.

471
00:26:01.400 --> 00:26:03.400
<v Speaker 2>When you have something done, you don't have to be

472
00:26:03.440 --> 00:26:06.119
<v Speaker 2>an expert, but you should at least bone up on

473
00:26:06.680 --> 00:26:11.279
<v Speaker 2>the industry for that job. Like what is expected and

474
00:26:11.680 --> 00:26:13.319
<v Speaker 2>what you're going to find is what I call a

475
00:26:13.359 --> 00:26:16.720
<v Speaker 2>thread of truth. As you research, you become smarter on

476
00:26:16.759 --> 00:26:20.440
<v Speaker 2>that topic. Now you may after getting your driveway done

477
00:26:20.759 --> 00:26:23.519
<v Speaker 2>or a walkway, you may never read about it again.

478
00:26:23.640 --> 00:26:28.200
<v Speaker 2>So what but for that job you become a mini expert.

479
00:26:28.240 --> 00:26:31.400
<v Speaker 2>You look at things, so at least you have some knowledge.

480
00:26:31.759 --> 00:26:35.880
<v Speaker 2>Going in as a complete virgin requires too much trust

481
00:26:36.319 --> 00:26:41.599
<v Speaker 2>and the contractors will take advantage of your lack of knowledge. Again,

482
00:26:41.720 --> 00:26:44.000
<v Speaker 2>you don't have to be an expert, but you need

483
00:26:44.039 --> 00:26:46.960
<v Speaker 2>to know. As Bob said, do you need base? Do

484
00:26:47.000 --> 00:26:48.880
<v Speaker 2>you need this? Do you need that? How should it

485
00:26:48.880 --> 00:26:51.880
<v Speaker 2>be formed? When should it be poured? All of that stuff.

486
00:26:52.039 --> 00:26:53.960
<v Speaker 2>You should at least bone up on it a bit.

487
00:26:54.920 --> 00:26:59.759
<v Speaker 2>Now let's talk of the Kachina. Did we have any

488
00:27:00.119 --> 00:27:03.599
<v Speaker 2>trying to get Marco Bendinelli, attorney at law for that

489
00:27:04.039 --> 00:27:05.359
<v Speaker 2>possible malpractice?

490
00:27:05.440 --> 00:27:06.000
<v Speaker 11>We have not.

491
00:27:06.920 --> 00:27:10.359
<v Speaker 2>I have reached out to him, and I do have

492
00:27:10.480 --> 00:27:14.759
<v Speaker 2>Dustin's contact information, so okay, so let's try to get

493
00:27:14.799 --> 00:27:18.720
<v Speaker 2>it back on later we can get a hold of them. Correct. Okay,

494
00:27:18.759 --> 00:27:22.400
<v Speaker 2>thank you very much. Now, Bob, as far as this goes,

495
00:27:22.440 --> 00:27:25.559
<v Speaker 2>I'm going to assign this to someone who do we

496
00:27:25.599 --> 00:27:29.200
<v Speaker 2>have in the studio today with with Mark we have

497
00:27:29.599 --> 00:27:35.279
<v Speaker 2>Scholler and Deputy Chopper deputy chopper. What about taking a

498
00:27:35.319 --> 00:27:38.599
<v Speaker 2>stab at this contractor and seeing if he thinks there's

499
00:27:38.640 --> 00:27:43.400
<v Speaker 2>an adjustment that should be made. I mean he obviously Look,

500
00:27:43.960 --> 00:27:46.960
<v Speaker 2>we're never gonna make this situation right, Bob has no

501
00:27:47.079 --> 00:27:49.960
<v Speaker 2>faith in him. I don't blame him, and what he

502
00:27:50.119 --> 00:27:54.000
<v Speaker 2>probably should do is get some kind of an adjustment

503
00:27:54.200 --> 00:27:57.799
<v Speaker 2>if he paid too much. Let's start there, Okay, give

504
00:27:57.880 --> 00:28:02.200
<v Speaker 2>in fact, yeah, and if in fact the guy doesn't agree, uh,

505
00:28:02.480 --> 00:28:05.559
<v Speaker 2>then we take it from there. But let's see if

506
00:28:05.599 --> 00:28:08.319
<v Speaker 2>he will refund some of the money at least three

507
00:28:08.559 --> 00:28:12.279
<v Speaker 2>three seven, one, three eight, two five five. Andrea, what

508
00:28:12.559 --> 00:28:16.720
<v Speaker 2>is your question or your with auto insurance?

509
00:28:18.759 --> 00:28:22.279
<v Speaker 12>Yes? Can you hear me?

510
00:28:22.440 --> 00:28:25.119
<v Speaker 2>What's going on? Yes? I can? What's going on with

511
00:28:25.160 --> 00:28:26.079
<v Speaker 2>your auto insurance?

512
00:28:27.640 --> 00:28:33.839
<v Speaker 12>So on February twentieth, I was at McDonald's and I

513
00:28:34.000 --> 00:28:37.279
<v Speaker 12>was waiting to go through the drive up and I

514
00:28:37.400 --> 00:28:40.599
<v Speaker 12>inadvertently rolled forward and bunched the guy in front of me.

515
00:28:42.400 --> 00:28:46.680
<v Speaker 12>He got really really upset. We pulled off to the

516
00:28:46.799 --> 00:28:52.519
<v Speaker 12>side and I realized that my insurance had lapsed at

517
00:28:52.640 --> 00:28:57.200
<v Speaker 12>midnight that night. I was a little bit behind on

518
00:28:57.240 --> 00:29:03.240
<v Speaker 12>my insurance due to financial constraints, and uh huh. We

519
00:29:03.400 --> 00:29:07.680
<v Speaker 12>ended up calling the police, and they did a police report.

520
00:29:08.119 --> 00:29:12.759
<v Speaker 2>And wait, wait, wait wait, this was on private property

521
00:29:12.799 --> 00:29:18.319
<v Speaker 2>on McDonald's and they still did a police report. Yes, okay,

522
00:29:18.400 --> 00:29:21.279
<v Speaker 2>go ahead, keep going. So your auto insurance labs. Did

523
00:29:21.279 --> 00:29:22.200
<v Speaker 2>you get a ticket for that?

524
00:29:23.799 --> 00:29:29.000
<v Speaker 12>I did? I did get it, okay for that? So

525
00:29:29.160 --> 00:29:31.960
<v Speaker 12>then I took a lot of pictures. I had a

526
00:29:32.000 --> 00:29:35.680
<v Speaker 12>witness look at the other vehicle. There. There was no

527
00:29:35.880 --> 00:29:42.119
<v Speaker 12>damage to that vehicle. And now I am basically they

528
00:29:42.160 --> 00:29:46.559
<v Speaker 12>sent me to collections for one thousand and fifty two dollars.

529
00:29:47.240 --> 00:29:49.440
<v Speaker 12>They're saying it I did.

530
00:29:49.480 --> 00:29:54.480
<v Speaker 2>Okay, that's easy. That that that Andrea, Andrea, I'm going

531
00:29:54.559 --> 00:29:57.720
<v Speaker 2>to tell you something, A bump, okay, or a tap

532
00:29:57.759 --> 00:30:00.920
<v Speaker 2>on a bumper will never be less in one thousand dollars.

533
00:30:01.000 --> 00:30:04.440
<v Speaker 2>You're getting off very cheap. Now, how fast were you

534
00:30:04.480 --> 00:30:05.720
<v Speaker 2>going about two miles an hour?

535
00:30:08.359 --> 00:30:11.519
<v Speaker 12>I wasn't even going two miles an hour. I just

536
00:30:11.799 --> 00:30:12.799
<v Speaker 12>rolled forward.

537
00:30:14.079 --> 00:30:16.240
<v Speaker 2>And when you hit his bumper, where did it hit

538
00:30:16.279 --> 00:30:18.720
<v Speaker 2>the bumper in the center or on the left or right?

539
00:30:19.799 --> 00:30:25.240
<v Speaker 12>Well, it never even hit his bumper. I rolled into

540
00:30:25.880 --> 00:30:28.319
<v Speaker 12>his receiver hitch, which hit my life.

541
00:30:28.640 --> 00:30:33.279
<v Speaker 2>Oh oh, so wait a minute, So you didn't even

542
00:30:33.319 --> 00:30:35.799
<v Speaker 2>get to the car. You just hit the receiver.

543
00:30:36.960 --> 00:30:43.400
<v Speaker 12>Right, and I have a perfect indentation of his receiver hit.

544
00:30:43.519 --> 00:30:47.960
<v Speaker 2>I get you. He then what is he having done

545
00:30:47.960 --> 00:30:50.039
<v Speaker 2>for a thousand What is he having done for one

546
00:30:50.079 --> 00:30:52.480
<v Speaker 2>thousand bucks? What did he say was damage?

547
00:30:55.039 --> 00:31:01.880
<v Speaker 12>Herein lies the problem. His insurance company refuses to provide

548
00:31:01.920 --> 00:31:07.920
<v Speaker 12>me with the repair bill and proof that the repairs.

549
00:31:08.160 --> 00:31:08.240
<v Speaker 1>What.

550
00:31:09.960 --> 00:31:14.680
<v Speaker 12>Yeah, they we absolutely refuse. I've asked over the phone,

551
00:31:14.880 --> 00:31:18.640
<v Speaker 12>I've written them a letter. I've sent them registered certified

552
00:31:18.680 --> 00:31:23.720
<v Speaker 12>mail letters. Now it's come down to they're going to

553
00:31:23.960 --> 00:31:27.960
<v Speaker 12>that's weird my license and the only way, well.

554
00:31:27.839 --> 00:31:29.960
<v Speaker 2>They don't have the They don't have the power to

555
00:31:30.039 --> 00:31:34.079
<v Speaker 2>suspend your license. The problem is this, the fact that

556
00:31:34.119 --> 00:31:37.440
<v Speaker 2>you did not have insurance is the problem. But that

557
00:31:38.039 --> 00:31:41.400
<v Speaker 2>party can't suspend your license. What they're going for is

558
00:31:41.440 --> 00:31:45.400
<v Speaker 2>what's called reimbursement. And then if the court orders reimbursement

559
00:31:45.480 --> 00:31:48.480
<v Speaker 2>and you don't pay it, then your license can be suspended.

560
00:31:48.759 --> 00:31:51.559
<v Speaker 2>But they don't just go straight to suspending your license.

561
00:31:51.960 --> 00:31:55.160
<v Speaker 2>So has the court ordered you to make reimbursement?

562
00:31:56.839 --> 00:32:01.319
<v Speaker 12>There hasn't been anything as far as court is related.

563
00:32:01.400 --> 00:32:04.640
<v Speaker 12>But I have a letter from the Colorado Department of

564
00:32:04.799 --> 00:32:10.640
<v Speaker 12>Revenue saying that I have to I had to get

565
00:32:10.920 --> 00:32:14.759
<v Speaker 12>SR twenty two insurance, which I added to right my

566
00:32:15.079 --> 00:32:18.720
<v Speaker 12>insurance if I had insurance within eight hours.

567
00:32:18.559 --> 00:32:20.279
<v Speaker 13>No, I get it.

568
00:32:20.920 --> 00:32:23.880
<v Speaker 2>And the state is requiring an SR twenty two that's

569
00:32:24.000 --> 00:32:25.039
<v Speaker 2>very common.

570
00:32:26.240 --> 00:32:29.680
<v Speaker 12>Right, And they're requiring me to fill out a promisory

571
00:32:29.799 --> 00:32:41.880
<v Speaker 12>note for to pay off the damages. But nobody.

572
00:32:42.319 --> 00:32:45.839
<v Speaker 2>Ripped you.

573
00:32:47.039 --> 00:32:53.839
<v Speaker 4>You don't have to shoot?

574
00:32:54.000 --> 00:32:54.839
<v Speaker 2>Is gonna help?

575
00:32:55.119 --> 00:33:05.200
<v Speaker 5>Come Dix's The Troubleshooter Show toel Martine.

576
00:33:03.359 --> 00:33:06.839
<v Speaker 2>Martino, Welcome to the show today. I'm Dan McKenzie with

577
00:33:06.880 --> 00:33:09.880
<v Speaker 2>me from McKenzie Law. Of course, phone calls tape priority.

578
00:33:09.880 --> 00:33:11.759
<v Speaker 2>We'll get to your phone calls. But Dan, I have

579
00:33:11.799 --> 00:33:16.640
<v Speaker 2>a text that's very interesting and it asks here's what

580
00:33:16.640 --> 00:33:20.519
<v Speaker 2>it says. They are positive there was a will involved,

581
00:33:20.839 --> 00:33:23.519
<v Speaker 2>Dan McKenzie. McKenzie Law does a state planning and stuff

582
00:33:23.559 --> 00:33:27.160
<v Speaker 2>like that. They were positive there's a will. The dad

583
00:33:27.240 --> 00:33:31.599
<v Speaker 2>referenced the will. Often they can't find the will. What

584
00:33:31.759 --> 00:33:34.279
<v Speaker 2>do you do in a case like that when you

585
00:33:34.359 --> 00:33:37.680
<v Speaker 2>have four siblings, a dad that passed away, the mother's

586
00:33:37.720 --> 00:33:42.160
<v Speaker 2>already gone, and he referenced a will, talked about a will.

587
00:33:42.799 --> 00:33:46.680
<v Speaker 2>They suspect maybe this one older sibling might have the will,

588
00:33:47.119 --> 00:33:52.400
<v Speaker 2>but he's not disclosing it. But for all intents and purposes,

589
00:33:52.519 --> 00:33:55.839
<v Speaker 2>right now it's missing. Okay, what do you do?

590
00:33:57.039 --> 00:33:59.640
<v Speaker 14>Yeah, Unfortunately, the court presumes if you're not able to

591
00:33:59.720 --> 00:34:02.400
<v Speaker 14>produce it's the original will, not just a copy the original,

592
00:34:02.440 --> 00:34:04.079
<v Speaker 14>that the reason you can't do it is because it

593
00:34:04.119 --> 00:34:06.799
<v Speaker 14>was destroyed. So and that's possible, right, this guy could

594
00:34:06.799 --> 00:34:08.000
<v Speaker 14>have been talking about it for years.

595
00:34:08.039 --> 00:34:11.559
<v Speaker 2>So you proceed as what do they call it? Intestine?

596
00:34:12.599 --> 00:34:16.400
<v Speaker 14>Yes, you could open a probate, say it's a formal probate,

597
00:34:17.039 --> 00:34:20.360
<v Speaker 14>and then ask the court to issue some sort of order.

598
00:34:20.400 --> 00:34:23.360
<v Speaker 14>But I would probably start with a letter to all

599
00:34:23.400 --> 00:34:26.920
<v Speaker 14>the siblings that just explains the statue in Colorado that says,

600
00:34:26.920 --> 00:34:28.480
<v Speaker 14>if you were in custody of a will and you

601
00:34:28.519 --> 00:34:32.119
<v Speaker 14>do not bodge it with the county court within ten days,

602
00:34:32.920 --> 00:34:34.760
<v Speaker 14>you might have a problem on your hands if that

603
00:34:34.960 --> 00:34:37.559
<v Speaker 14>failure to lodge causes someone to lose money that they

604
00:34:37.559 --> 00:34:38.159
<v Speaker 14>would have gotten.

605
00:34:38.280 --> 00:34:40.599
<v Speaker 2>But so what do you do? Though? So it goes

606
00:34:40.639 --> 00:34:43.159
<v Speaker 2>as if there is no will first, right, since there

607
00:34:43.199 --> 00:34:43.480
<v Speaker 2>is no one?

608
00:34:43.519 --> 00:34:46.159
<v Speaker 14>I mean, yeah, so that's the question is why, I mean,

609
00:34:46.440 --> 00:34:48.360
<v Speaker 14>who thinks that there was a will that was beneficial

610
00:34:48.400 --> 00:34:48.719
<v Speaker 14>to them.

611
00:34:49.199 --> 00:34:52.079
<v Speaker 2>They all remember the dad talking, they didn't talk about

612
00:34:52.079 --> 00:34:54.880
<v Speaker 2>the beneficial and again I'm only going by this text,

613
00:34:55.119 --> 00:34:57.360
<v Speaker 2>but they say that they all agree there was a will.

614
00:34:57.599 --> 00:34:59.760
<v Speaker 2>He mentioned the will, but they can't find the will.

615
00:35:00.000 --> 00:35:02.360
<v Speaker 14>I mean, I guess the Really the first question is

616
00:35:02.360 --> 00:35:04.679
<v Speaker 14>is there a probatable estate here? What did he have?

617
00:35:04.920 --> 00:35:06.800
<v Speaker 14>Did he have real estate? Did he have eighty six

618
00:35:06.800 --> 00:35:07.599
<v Speaker 14>thousand dollars with ye?

619
00:35:07.679 --> 00:35:09.440
<v Speaker 2>And I don't know that part, but let's assume he

620
00:35:09.519 --> 00:35:12.239
<v Speaker 2>had a big estate or a medium estate and it

621
00:35:12.360 --> 00:35:15.280
<v Speaker 2>needed to go through probate. But they can't find the will.

622
00:35:15.840 --> 00:35:19.599
<v Speaker 2>Is there a such thing as a temporary settlement? And

623
00:35:19.639 --> 00:35:21.679
<v Speaker 2>then they readjusted, did they find the will?

624
00:35:21.880 --> 00:35:22.079
<v Speaker 1>Yeah?

625
00:35:22.079 --> 00:35:24.760
<v Speaker 14>I mean, I proceed in testate and see what you know?

626
00:35:24.840 --> 00:35:27.599
<v Speaker 14>We just go through that process, and then, like I said,

627
00:35:27.639 --> 00:35:31.039
<v Speaker 14>notify everybody who might have custody of a will that, hey,

628
00:35:31.360 --> 00:35:31.960
<v Speaker 14>you know, look for this.

629
00:35:32.199 --> 00:35:34.280
<v Speaker 2>Is there a penalty for not bringing forth a will.

630
00:35:34.159 --> 00:35:35.280
<v Speaker 15>If it damages somebody?

631
00:35:35.599 --> 00:35:37.599
<v Speaker 14>It's kind of back to our med male discussion, right, right,

632
00:35:37.599 --> 00:35:39.239
<v Speaker 14>you can have all these bad.

633
00:35:39.079 --> 00:35:41.639
<v Speaker 15>Things happen, but if there's no damages, it doesn't really.

634
00:35:41.559 --> 00:35:44.719
<v Speaker 2>Okay, So okay, let's say they settle things, and later

635
00:35:44.800 --> 00:35:47.360
<v Speaker 2>on a will is discovered, can you actually go to

636
00:35:47.400 --> 00:35:48.840
<v Speaker 2>court and have things readjusted?

637
00:35:49.920 --> 00:35:53.480
<v Speaker 14>I mean obviously it's hard. Yes, sure, but you know,

638
00:35:53.960 --> 00:35:54.960
<v Speaker 14>is the money already spent?

639
00:35:55.760 --> 00:35:59.079
<v Speaker 2>Right, so there's nothing you can do in most if

640
00:35:59.159 --> 00:36:03.079
<v Speaker 2>the practical well, the practical answer is you can do it,

641
00:36:03.119 --> 00:36:06.079
<v Speaker 2>but you may never get paid. That's always a problem

642
00:36:06.079 --> 00:36:10.239
<v Speaker 2>with medication. Yeah, that's the problem. And so people, here's

643
00:36:10.360 --> 00:36:14.360
<v Speaker 2>the biggest problem I have found with the states that

644
00:36:14.440 --> 00:36:17.199
<v Speaker 2>they can't put their hands on a will readily or

645
00:36:17.360 --> 00:36:20.639
<v Speaker 2>the person who has the will. Other people don't trust

646
00:36:21.000 --> 00:36:23.760
<v Speaker 2>that the will is valid. So if I were you,

647
00:36:24.599 --> 00:36:27.559
<v Speaker 2>I would make copies. I don't know. Maybe this is

648
00:36:27.599 --> 00:36:30.559
<v Speaker 2>bad advice, Dan, I was saying, have each air have

649
00:36:30.639 --> 00:36:33.159
<v Speaker 2>a copy of the will? Is that a bad idea

650
00:36:33.239 --> 00:36:33.760
<v Speaker 2>or a good idea?

651
00:36:33.800 --> 00:36:35.679
<v Speaker 14>I mean the problem is you just have to remember

652
00:36:35.679 --> 00:36:38.119
<v Speaker 14>who you gave it to and if there are changes,

653
00:36:38.239 --> 00:36:40.280
<v Speaker 14>I mean that creates issues. Right if some people have

654
00:36:40.320 --> 00:36:42.719
<v Speaker 14>inconsistent copies, it's going to be a problem. So you

655
00:36:42.800 --> 00:36:46.079
<v Speaker 14>just create potentially a hassle if you want to update things.

656
00:36:45.800 --> 00:36:49.280
<v Speaker 2>And then the original will is what takes precedent? Right, Yes,

657
00:36:50.039 --> 00:36:53.000
<v Speaker 2>how do you tell if something's original? Do you market original?

658
00:36:53.639 --> 00:36:55.880
<v Speaker 14>I mean, that's why we try and sign things in

659
00:36:55.960 --> 00:36:57.119
<v Speaker 14>color and stuff like that.

660
00:36:57.159 --> 00:37:00.239
<v Speaker 2>Okay, okay, get better? And do you need notary for

661
00:37:00.280 --> 00:37:01.639
<v Speaker 2>those signed signatures?

662
00:37:01.960 --> 00:37:05.719
<v Speaker 14>So technically under Colorado, so you either do with two

663
00:37:05.800 --> 00:37:08.239
<v Speaker 14>witnesses or a notary. I will tell you that Denver

664
00:37:09.039 --> 00:37:11.599
<v Speaker 14>Probate Court, if one of those is missing, they're going

665
00:37:11.639 --> 00:37:13.960
<v Speaker 14>to make you go through the formal process. So for us,

666
00:37:14.000 --> 00:37:16.800
<v Speaker 14>we always do both two witnesses and a notary.

667
00:37:16.880 --> 00:37:19.920
<v Speaker 2>Oh, do both? So you do two witnesses plus a notary. Yeah,

668
00:37:20.159 --> 00:37:22.960
<v Speaker 2>so you're having three witnesses to this signature basically.

669
00:37:23.039 --> 00:37:23.360
<v Speaker 1>Yeah.

670
00:37:23.480 --> 00:37:26.239
<v Speaker 2>All right, let's talk to Darryl and Nancy. Hello, Daryl

671
00:37:26.280 --> 00:37:29.239
<v Speaker 2>and Nancy, whoever wants to take it, take it? What's

672
00:37:29.280 --> 00:37:29.679
<v Speaker 2>going on?

673
00:37:31.239 --> 00:37:34.159
<v Speaker 1>All right? This is Darryl my wife.

674
00:37:34.400 --> 00:37:41.760
<v Speaker 11>Yes, for information more than anything else. We're well into

675
00:37:41.760 --> 00:37:44.800
<v Speaker 11>our retirement. We're living in a house that we like

676
00:37:44.960 --> 00:37:47.960
<v Speaker 11>very much, but as the costs are going up and

677
00:37:48.079 --> 00:37:55.400
<v Speaker 11>as our income is going down, we're getting into some.

678
00:37:53.840 --> 00:37:55.159
<v Speaker 1>Some things that we want to look at.

679
00:37:55.280 --> 00:37:58.800
<v Speaker 11>And we've looked at things like second mortgages and reverse

680
00:37:58.880 --> 00:38:03.800
<v Speaker 11>mortgages and maybe selling the house and downsizing, and we're

681
00:38:03.840 --> 00:38:08.400
<v Speaker 11>struggling as to what to do and where to go

682
00:38:08.519 --> 00:38:13.280
<v Speaker 11>first advice. We've talked to a couple of different mortgage companies,

683
00:38:13.360 --> 00:38:18.159
<v Speaker 11>both for second mortgage and reverse mortgage, and obviously they're

684
00:38:18.199 --> 00:38:22.440
<v Speaker 11>trying to sell something some time ago, a month or

685
00:38:22.480 --> 00:38:22.880
<v Speaker 11>so ago.

686
00:38:22.960 --> 00:38:26.559
<v Speaker 2>Okay, Darryl, Darryl, I have a few questions for you, Daryl,

687
00:38:26.599 --> 00:38:28.840
<v Speaker 2>I have a few questions for you. How old are you?

688
00:38:29.119 --> 00:38:30.920
<v Speaker 2>How old are you and your wife?

689
00:38:31.719 --> 00:38:34.119
<v Speaker 11>We're in our middle to late eighties.

690
00:38:34.480 --> 00:38:35.159
<v Speaker 1>Late eighties.

691
00:38:35.519 --> 00:38:39.039
<v Speaker 2>Okay. Now what I want to know is how is

692
00:38:39.079 --> 00:38:40.119
<v Speaker 2>your house paid for?

693
00:38:41.400 --> 00:38:42.679
<v Speaker 1>No, it's not.

694
00:38:42.800 --> 00:38:48.559
<v Speaker 11>We were we were about halfway through the payments on it.

695
00:38:48.639 --> 00:38:51.159
<v Speaker 2>Well, I don't know what that means. So how much

696
00:38:51.199 --> 00:38:53.599
<v Speaker 2>is owed on the house? Well?

697
00:38:53.719 --> 00:38:57.760
<v Speaker 11>We all you know, just under half a million and

698
00:38:57.800 --> 00:39:04.000
<v Speaker 11>the house is worth over nine hundred times.

699
00:39:02.000 --> 00:39:08.519
<v Speaker 2>Okay, so you have about four hundred thousand inequity. Yeah, yeah, okay.

700
00:39:10.360 --> 00:39:14.519
<v Speaker 2>And you're thinking about a reverse loan and that's not

701
00:39:14.599 --> 00:39:18.519
<v Speaker 2>a bad situation for your age. I would not get

702
00:39:18.519 --> 00:39:22.239
<v Speaker 2>a second loan. They're not set up for what you

703
00:39:22.280 --> 00:39:25.400
<v Speaker 2>want to do. If you do, you need money right now?

704
00:39:25.440 --> 00:39:28.079
<v Speaker 2>Is that what you're looking for? Are you looking for income?

705
00:39:30.719 --> 00:39:33.840
<v Speaker 11>Not so much well, I guess the answer would the

706
00:39:34.360 --> 00:39:38.039
<v Speaker 11>yes to some extent, or to cover some of the

707
00:39:38.079 --> 00:39:40.480
<v Speaker 11>bills and stuff that we've accummunated. If we got rid

708
00:39:40.480 --> 00:39:42.360
<v Speaker 11>of those, then we'd probably not have to.

709
00:39:43.079 --> 00:39:47.199
<v Speaker 2>What kind of bills? What kind of bills have you accumulated?

710
00:39:47.760 --> 00:39:49.599
<v Speaker 11>Oh, mostly credit card over time?

711
00:39:51.280 --> 00:39:53.000
<v Speaker 2>How much do you have in credit card debt?

712
00:39:55.440 --> 00:39:58.039
<v Speaker 11>Well, I guess more than I'd like to admit, I'm

713
00:39:58.079 --> 00:39:58.840
<v Speaker 11>not sure I want to.

714
00:39:59.159 --> 00:40:02.400
<v Speaker 2>Well, here how much? I mean, I'm trying to get

715
00:40:02.559 --> 00:40:05.039
<v Speaker 2>a snapshot here about how much do you have in

716
00:40:05.119 --> 00:40:06.280
<v Speaker 2>credit card debt?

717
00:40:07.719 --> 00:40:09.159
<v Speaker 1>Twenty five to thirty thousand?

718
00:40:11.039 --> 00:40:15.639
<v Speaker 2>Okay, And here's the most important question. Do you have

719
00:40:15.760 --> 00:40:19.840
<v Speaker 2>to go to your credit cards every month in order

720
00:40:19.920 --> 00:40:23.760
<v Speaker 2>to make your bills? Are you depending on credit like

721
00:40:23.840 --> 00:40:27.559
<v Speaker 2>a second income? Or can you pay your bills? Let's

722
00:40:27.599 --> 00:40:30.960
<v Speaker 2>say you got rid of the credit card debt. Could

723
00:40:30.960 --> 00:40:34.760
<v Speaker 2>you pay all of your bills on your existing income?

724
00:40:36.440 --> 00:40:38.719
<v Speaker 1>I think so yes, I think yeah.

725
00:40:39.320 --> 00:40:40.760
<v Speaker 2>Okay, what is your income?

726
00:40:42.519 --> 00:40:44.159
<v Speaker 1>Well, it's just so security and.

727
00:40:46.800 --> 00:40:49.800
<v Speaker 11>We both have Social Security.

728
00:40:50.079 --> 00:40:52.199
<v Speaker 2>Do you guys have any investment accounts?

729
00:40:54.719 --> 00:40:57.840
<v Speaker 11>No, that's that's the issue. My investment account has finally

730
00:40:57.920 --> 00:41:00.119
<v Speaker 11>run out, and that's why we're starting to get to

731
00:41:00.199 --> 00:41:00.840
<v Speaker 11>a bund.

732
00:41:02.239 --> 00:41:06.119
<v Speaker 2>Yep, yep, yep. And then do you have any savings

733
00:41:06.159 --> 00:41:07.039
<v Speaker 2>of any kind?

734
00:41:08.480 --> 00:41:11.119
<v Speaker 1>Yeah, yes we do, Yeah, yes we do.

735
00:41:11.519 --> 00:41:17.760
<v Speaker 16>How much in savings about two hundred thousand and we're

736
00:41:17.800 --> 00:41:19.320
<v Speaker 16>trying not to go into Okay.

737
00:41:20.280 --> 00:41:26.199
<v Speaker 2>No, and I understand that completely. Now, what I think

738
00:41:26.239 --> 00:41:28.559
<v Speaker 2>if you were my parents, or my brother or sister

739
00:41:28.679 --> 00:41:31.239
<v Speaker 2>or whatever, here's what I would suggest. And I'm going

740
00:41:31.280 --> 00:41:34.599
<v Speaker 2>to go to our expert on the line on reverse loans.

741
00:41:34.880 --> 00:41:37.920
<v Speaker 2>But because you're in your mid eighties and you have

742
00:41:38.000 --> 00:41:42.599
<v Speaker 2>a home with about four hundred thousand dollars in equity,

743
00:41:43.119 --> 00:41:45.280
<v Speaker 2>you would be able to get a good line of

744
00:41:45.440 --> 00:41:49.000
<v Speaker 2>credit that could accrue on your house. You never have

745
00:41:49.039 --> 00:41:52.000
<v Speaker 2>to make a payment, you never have to leave your home,

746
00:41:52.360 --> 00:41:54.719
<v Speaker 2>and you can use the line of credit when you

747
00:41:54.840 --> 00:41:58.320
<v Speaker 2>need it. You don't have to. It's not forced on you.

748
00:41:58.800 --> 00:42:03.400
<v Speaker 2>It's there for emergencies. But what I would suggest is

749
00:42:03.440 --> 00:42:06.719
<v Speaker 2>that what you do is that you use your income

750
00:42:07.360 --> 00:42:11.719
<v Speaker 2>and you pay off your monthly bills and not use

751
00:42:11.800 --> 00:42:15.840
<v Speaker 2>credit cards anymore, but use this line of credit instead.

752
00:42:16.280 --> 00:42:21.079
<v Speaker 2>Now I'm going to bring up a John Clase. John

753
00:42:21.360 --> 00:42:26.880
<v Speaker 2>is with is with CMG Mortgage. Now that's a mortgage banker.

754
00:42:27.519 --> 00:42:30.079
<v Speaker 2>They are the ones that do the actual loans and

755
00:42:30.119 --> 00:42:34.039
<v Speaker 2>he works for them and it's direct lending. And John,

756
00:42:34.199 --> 00:42:36.320
<v Speaker 2>you guys do reverse loans, is that right?

757
00:42:37.639 --> 00:42:39.840
<v Speaker 1>We do. We do a lot of reverse loans. We

758
00:42:39.880 --> 00:42:42.719
<v Speaker 1>do help people out. And you said, you're now.

759
00:42:42.960 --> 00:42:46.119
<v Speaker 2>Don't you think they're in a good position? You think

760
00:42:46.119 --> 00:42:47.159
<v Speaker 2>they're in a good position.

761
00:42:48.480 --> 00:42:50.199
<v Speaker 1>I ran some of the numbers just kind of why

762
00:42:50.239 --> 00:42:53.400
<v Speaker 1>we're on the phone, and at eighty four, So basically,

763
00:42:53.599 --> 00:42:56.480
<v Speaker 1>what is your monthly mortgage paying right now? I mean,

764
00:42:56.519 --> 00:42:59.400
<v Speaker 1>what do you what is what is that about your

765
00:42:59.480 --> 00:43:05.880
<v Speaker 1>current twenty eight p I T? I wow, these numbers?

766
00:43:06.079 --> 00:43:09.639
<v Speaker 1>The house is worth nine hundred and you'll five a

767
00:43:09.760 --> 00:43:11.960
<v Speaker 1>reverse mortgage you're gonna be able to but you're gonna

768
00:43:11.960 --> 00:43:14.719
<v Speaker 1>be it's really just gonna pay that mortgage off. You're

769
00:43:14.760 --> 00:43:17.400
<v Speaker 1>not gonna get much more than that, okay in.

770
00:43:17.400 --> 00:43:21.239
<v Speaker 2>This okay, but that that'll do him some good because

771
00:43:21.280 --> 00:43:23.119
<v Speaker 2>he doesn't have to make another payment.

772
00:43:24.039 --> 00:43:26.480
<v Speaker 1>Correct, And that's tax free, you know, it's tax free.

773
00:43:27.239 --> 00:43:28.880
<v Speaker 1>But he gets rid of that payment and that can

774
00:43:28.960 --> 00:43:31.599
<v Speaker 1>help get rid of all your other debts and loosen

775
00:43:31.679 --> 00:43:34.480
<v Speaker 1>up your lifestyle. But yes, that's.

776
00:43:34.280 --> 00:43:37.199
<v Speaker 2>Do you think do you think he can squeeze. Do

777
00:43:37.239 --> 00:43:39.920
<v Speaker 2>you think he can squeeze enough out to pay off

778
00:43:39.920 --> 00:43:42.880
<v Speaker 2>his loan and then maybe have some to pay off

779
00:43:42.880 --> 00:43:45.280
<v Speaker 2>the credit card or do you think he's right on

780
00:43:45.320 --> 00:43:46.119
<v Speaker 2>that limit there?

781
00:43:47.159 --> 00:43:49.039
<v Speaker 1>Well, he wouldn't tell us what his credit card is,

782
00:43:49.079 --> 00:43:52.440
<v Speaker 1>but i'd say paid that off and maybe squeeze out

783
00:43:52.199 --> 00:43:54.679
<v Speaker 1>about another thirty thousand or so. So I'm not sure

784
00:43:54.760 --> 00:43:55.199
<v Speaker 1>where he is.

785
00:43:55.239 --> 00:43:58.079
<v Speaker 2>That's what he's talking about. He was talking about thirty

786
00:43:58.119 --> 00:44:01.199
<v Speaker 2>thousand so so, Daryl, what we're talking about is this.

787
00:44:01.800 --> 00:44:04.800
<v Speaker 2>If you use your home and get a reverse loan,

788
00:44:05.280 --> 00:44:07.719
<v Speaker 2>it does away with your first deed of trust or

789
00:44:07.760 --> 00:44:10.400
<v Speaker 2>your first mortgage. It does away with it. It's gone.

790
00:44:10.800 --> 00:44:13.880
<v Speaker 2>So now you save twenty eight hundred dollars a month.

791
00:44:14.039 --> 00:44:17.760
<v Speaker 2>Right there? You saved two eight hundred dollars, didn't you

792
00:44:17.800 --> 00:44:19.679
<v Speaker 2>say your payment was twenty eight hundred.

793
00:44:20.239 --> 00:44:23.679
<v Speaker 7>Yeah, but he still has insurance and taxes which are

794
00:44:23.719 --> 00:44:27.360
<v Speaker 7>probably eight hundred to twelve hundred of that easily.

795
00:44:28.519 --> 00:44:29.039
<v Speaker 15>From you.

796
00:44:32.800 --> 00:44:34.920
<v Speaker 2>Yeah, that's gonna be. That's what I thought it's not

797
00:44:34.960 --> 00:44:38.519
<v Speaker 2>going to be. Yeah, So here, but think about this, Darryl.

798
00:44:38.920 --> 00:44:42.599
<v Speaker 2>If you were able to get that mortgage done, you

799
00:44:42.639 --> 00:44:45.360
<v Speaker 2>don't have to pay on it and all you have

800
00:44:45.400 --> 00:44:48.320
<v Speaker 2>to pay are taxes and insurance, and then he can

801
00:44:48.920 --> 00:44:51.679
<v Speaker 2>enough out to pay off those credit cards. You'd be

802
00:44:51.760 --> 00:44:54.679
<v Speaker 2>in a good position. You'd be in your home free

803
00:44:54.719 --> 00:44:57.920
<v Speaker 2>and clear for all practical purposes. I mean free and

804
00:44:57.960 --> 00:45:00.719
<v Speaker 2>clear is actually eating up your equity. But you can

805
00:45:00.719 --> 00:45:03.360
<v Speaker 2>stay there the rest of your life. But what happens

806
00:45:03.480 --> 00:45:05.280
<v Speaker 2>We got to take a break, and I want to

807
00:45:05.320 --> 00:45:07.599
<v Speaker 2>know what happens when you have two people who do

808
00:45:07.679 --> 00:45:10.360
<v Speaker 2>you qualify with? And will one have to move when

809
00:45:10.360 --> 00:45:12.800
<v Speaker 2>the other one dies? We'll talk about that and more

810
00:45:12.880 --> 00:45:20.840
<v Speaker 2>coming right up on the Troubleshooter Show. Hey, I'm Tom Martino.

811
00:45:21.480 --> 00:45:24.639
<v Speaker 2>You know, reverse loans are a very useful tool. They

812
00:45:24.679 --> 00:45:27.639
<v Speaker 2>really are. You know, they're not for everyone, just like

813
00:45:27.719 --> 00:45:32.400
<v Speaker 2>any financial instrument. It depends on your situation. But when

814
00:45:32.440 --> 00:45:35.320
<v Speaker 2>you have equity sitting there and you're in your mid

815
00:45:35.400 --> 00:45:39.119
<v Speaker 2>eighties now, John Clace, does that open them up for

816
00:45:39.239 --> 00:45:44.519
<v Speaker 2>about forty percent of the Like the older you get,

817
00:45:44.519 --> 00:45:48.639
<v Speaker 2>the more equity you can take. So let's say you

818
00:45:48.719 --> 00:45:51.480
<v Speaker 2>have a house that's paid for. You have a house

819
00:45:51.519 --> 00:45:55.360
<v Speaker 2>that's paid for and it's worth eight hundred thousand dollars.

820
00:45:55.840 --> 00:45:58.719
<v Speaker 2>How much what is the most you'll ever get of

821
00:45:58.719 --> 00:45:59.920
<v Speaker 2>that equity fifty percent.

822
00:46:01.440 --> 00:46:05.199
<v Speaker 1>Yeah, you know, fifties, some programs fifty five by top

823
00:46:05.360 --> 00:46:07.320
<v Speaker 1>if you're up there in the eighties.

824
00:46:06.920 --> 00:46:09.119
<v Speaker 2>You know, eighties, but you got to be you got

825
00:46:09.159 --> 00:46:11.599
<v Speaker 2>to be in your mid to high eighties, right to

826
00:46:11.679 --> 00:46:13.320
<v Speaker 2>get that much, you have to be to your mid

827
00:46:13.360 --> 00:46:21.840
<v Speaker 2>to high eighties. Okay, So someone who is bright, Tom, Yeah, no, no,

828
00:46:22.039 --> 00:46:24.519
<v Speaker 2>I'm listening. Tell me the different categories.

829
00:46:25.519 --> 00:46:28.519
<v Speaker 1>Well, yeah, so somebody in their sixties, you know, you're

830
00:46:28.559 --> 00:46:31.440
<v Speaker 1>going to be looking at thirty eight forty percent. You

831
00:46:31.480 --> 00:46:34.280
<v Speaker 1>go there. Once you get up towards the high sixties,

832
00:46:34.320 --> 00:46:37.559
<v Speaker 1>early seventies, it's about forty five percent, and then once

833
00:46:37.599 --> 00:46:39.559
<v Speaker 1>you get you know, to that eighty mark, you can

834
00:46:39.639 --> 00:46:43.119
<v Speaker 1>start looking at that forty five fifty fifty percent mark.

835
00:46:43.599 --> 00:46:46.880
<v Speaker 2>So, so what you were saying about, what were you're

836
00:46:46.920 --> 00:46:49.719
<v Speaker 2>saying about Darryl and Nancy is if they're in their

837
00:46:49.760 --> 00:46:52.599
<v Speaker 2>mid eighties and their house is worth about nine hundred,

838
00:46:52.880 --> 00:46:56.800
<v Speaker 2>the most they're ever going to get is about four fifty.

839
00:46:56.920 --> 00:46:59.960
<v Speaker 1>Well you migrate the numbers actually with them being eighty four. Wife,

840
00:47:00.039 --> 00:47:02.360
<v Speaker 1>we were on the phone and it came out. It's

841
00:47:02.679 --> 00:47:05.280
<v Speaker 1>one of the proprietary products came out where we could

842
00:47:05.280 --> 00:47:08.119
<v Speaker 1>get him about five hundred and thirty thousand dollars out

843
00:47:08.119 --> 00:47:08.280
<v Speaker 1>of it.

844
00:47:08.960 --> 00:47:11.880
<v Speaker 2>So, oh, that's excellent. So if they get five hundred

845
00:47:11.920 --> 00:47:15.400
<v Speaker 2>and thirty yep, and they can pay off their credit

846
00:47:15.440 --> 00:47:17.559
<v Speaker 2>cards exactly.

847
00:47:17.639 --> 00:47:19.920
<v Speaker 1>So yeah, that was and that's kind of our Max.

848
00:47:20.000 --> 00:47:23.960
<v Speaker 1>It's called our max product that that does that done

849
00:47:24.199 --> 00:47:27.079
<v Speaker 1>on some of that, you know, reverses are interesting. I

850
00:47:27.440 --> 00:47:29.159
<v Speaker 1>talked to guy the other day. He called me from

851
00:47:29.480 --> 00:47:32.360
<v Speaker 1>your show and he's he's sixty one, and he's like, well,

852
00:47:32.559 --> 00:47:34.320
<v Speaker 1>I don't know if it will work, but we have

853
00:47:34.639 --> 00:47:37.199
<v Speaker 1>they'll actually go down to age fifty five these days

854
00:47:37.199 --> 00:47:39.519
<v Speaker 1>with some of these products, you know type deal.

855
00:47:41.639 --> 00:47:45.719
<v Speaker 2>Again, the idea is the older, the more you get,

856
00:47:46.000 --> 00:47:49.239
<v Speaker 2>and you have to pay off your first with a

857
00:47:49.280 --> 00:47:54.239
<v Speaker 2>reverse loan. So whatever your first is, that gets paid first,

858
00:47:54.440 --> 00:47:57.840
<v Speaker 2>and then after that, after paying your mortgage off, if

859
00:47:57.840 --> 00:48:00.920
<v Speaker 2>there's any cash left over, you can take that cash.

860
00:48:00.920 --> 00:48:04.360
<v Speaker 2>What I recommend in a line of credit, which means

861
00:48:04.920 --> 00:48:07.840
<v Speaker 2>you don't have to take it unless you need it,

862
00:48:08.280 --> 00:48:10.280
<v Speaker 2>and when you need it, you can write yourself a

863
00:48:10.400 --> 00:48:14.760
<v Speaker 2>check and you can even pay your taxes and insurance

864
00:48:14.760 --> 00:48:15.639
<v Speaker 2>out of it, right.

865
00:48:17.159 --> 00:48:17.639
<v Speaker 13>You can't.

866
00:48:17.719 --> 00:48:22.159
<v Speaker 1>Yeah, another thing people don't realize unreversed mortgages. If you

867
00:48:22.239 --> 00:48:24.599
<v Speaker 1>feel like it, you can always make a mortgage payment

868
00:48:24.719 --> 00:48:27.199
<v Speaker 1>the same like a first and it just stops growing.

869
00:48:27.599 --> 00:48:30.679
<v Speaker 2>Right, of course you can, You're right, John, People don't.

870
00:48:30.920 --> 00:48:34.000
<v Speaker 2>People don't often think about that. But really, if you're

871
00:48:34.159 --> 00:48:38.159
<v Speaker 2>in Darryl and Nancy's position, why would you make a payment?

872
00:48:38.320 --> 00:48:40.639
<v Speaker 2>I mean, I know a lot of parents bend over

873
00:48:40.719 --> 00:48:44.000
<v Speaker 2>backwards to try to preserve their equity for their kids,

874
00:48:44.320 --> 00:48:46.639
<v Speaker 2>and I say, the hell with your kids. If you've

875
00:48:46.679 --> 00:48:50.320
<v Speaker 2>worked your life, you worked your whole life, you don't

876
00:48:50.320 --> 00:48:53.280
<v Speaker 2>have to preserve your equity. You can live off of it.

877
00:48:54.159 --> 00:48:56.559
<v Speaker 2>What I want to ask Darryl or Nancy, do you

878
00:48:56.599 --> 00:48:59.519
<v Speaker 2>have any questions for John? Because we would refer you

879
00:48:59.559 --> 00:49:02.719
<v Speaker 2>to him. He'll take good care of you. You you'd

880
00:49:02.719 --> 00:49:05.360
<v Speaker 2>be able to pay off your first save that twenty

881
00:49:05.360 --> 00:49:08.679
<v Speaker 2>eight hundred dollars a month, plus pay off your credit cards.

882
00:49:09.039 --> 00:49:11.440
<v Speaker 2>I mean, think about how much money you would have

883
00:49:11.519 --> 00:49:14.039
<v Speaker 2>every month if you didn't have to pay a mortgage

884
00:49:14.119 --> 00:49:16.199
<v Speaker 2>and you didn't have to pay for the credit cards.

885
00:49:16.400 --> 00:49:17.079
<v Speaker 2>Think about that?

886
00:49:19.119 --> 00:49:22.920
<v Speaker 1>Well that certainly do you have any questions? I guess yeah,

887
00:49:22.960 --> 00:49:23.760
<v Speaker 1>the question I have.

888
00:49:24.480 --> 00:49:27.280
<v Speaker 11>The other question I have is would it makes sense

889
00:49:27.360 --> 00:49:30.000
<v Speaker 11>to take some money out of our savings to pay

890
00:49:30.000 --> 00:49:31.320
<v Speaker 11>off some of the debt.

891
00:49:32.840 --> 00:49:36.840
<v Speaker 2>Well, that's a personal choice. I always say this. If

892
00:49:36.880 --> 00:49:40.199
<v Speaker 2>your savings are sitting there making two and three percent

893
00:49:40.559 --> 00:49:45.159
<v Speaker 2>and you're paying out monthly on high interest of fourteen

894
00:49:45.239 --> 00:49:48.679
<v Speaker 2>to eighteen to twenty five percent, of course it pays

895
00:49:48.960 --> 00:49:53.119
<v Speaker 2>because for every dime you pay off, you're saving that interest.

896
00:49:53.360 --> 00:49:56.920
<v Speaker 2>That's why I always say, if you're looking to build

897
00:49:57.000 --> 00:50:02.519
<v Speaker 2>financial wealth or health, what you need is to get

898
00:50:02.639 --> 00:50:06.440
<v Speaker 2>rid of high interest debt. And right now you have

899
00:50:06.599 --> 00:50:09.679
<v Speaker 2>thirty or forty thousand, or twenty or thirty thousand, whatever

900
00:50:09.719 --> 00:50:12.639
<v Speaker 2>it is, it's too much. How much do your credit

901
00:50:12.679 --> 00:50:14.360
<v Speaker 2>card payments come to every month?

902
00:50:16.679 --> 00:50:20.280
<v Speaker 11>Oh somewhere around twelve fourteen hundred dollars.

903
00:50:21.000 --> 00:50:22.840
<v Speaker 2>Yeah, well think about change.

904
00:50:22.920 --> 00:50:26.519
<v Speaker 7>If you took that thirty thousand paid off those credit cards,

905
00:50:26.719 --> 00:50:29.880
<v Speaker 7>you have the reverse mortgage, you're gonna be basically making

906
00:50:30.320 --> 00:50:32.920
<v Speaker 7>twenty four thousand dollars more a year.

907
00:50:32.679 --> 00:50:34.719
<v Speaker 2>In cash flow. And by the way, I do want

908
00:50:34.719 --> 00:50:37.440
<v Speaker 2>to say, Marky, you, Darryl, they're gonna save Mark, They're

909
00:50:37.480 --> 00:50:41.199
<v Speaker 2>gonna save forty two hundred dollars a month, four thousand,

910
00:50:41.239 --> 00:50:42.599
<v Speaker 2>two hundred dollars a month.

911
00:50:42.960 --> 00:50:43.159
<v Speaker 1>Yeah.

912
00:50:43.239 --> 00:50:45.960
<v Speaker 7>And the other thing, though, Daryl and Nancy, is if

913
00:50:46.000 --> 00:50:48.880
<v Speaker 7>you are truly just in a savings account, that's kind

914
00:50:48.880 --> 00:50:51.599
<v Speaker 7>of crazy. If you want to keep it liquid, that's great.

915
00:50:51.679 --> 00:50:55.199
<v Speaker 7>But there's different there's different vehicles out there through Schwab

916
00:50:55.360 --> 00:50:58.199
<v Speaker 7>or even through Wave eight or somewhere where where they

917
00:50:58.239 --> 00:51:01.599
<v Speaker 7>can invest at and easily make you five percent and

918
00:51:01.639 --> 00:51:04.760
<v Speaker 7>it's liquid the next day, the next day.

919
00:51:05.320 --> 00:51:09.960
<v Speaker 2>Yes, yes, yes, so you got you got yes. I

920
00:51:10.000 --> 00:51:13.159
<v Speaker 2>think what you first look at first is you talk

921
00:51:13.239 --> 00:51:16.440
<v Speaker 2>to John Clays about a reverse loan. I'm really serious.

922
00:51:16.719 --> 00:51:20.159
<v Speaker 2>Now listen to this. Once you pay off your mortgage

923
00:51:20.559 --> 00:51:23.119
<v Speaker 2>and you're saving that twenty eight hundred dollars a month,

924
00:51:23.440 --> 00:51:26.159
<v Speaker 2>now you can decide how do I want to pay

925
00:51:26.199 --> 00:51:28.679
<v Speaker 2>those credit cards? Do I want to take it out

926
00:51:28.679 --> 00:51:30.840
<v Speaker 2>of savings or do I want to take it from

927
00:51:30.840 --> 00:51:34.480
<v Speaker 2>my line of credit. I personally would not touch my

928
00:51:34.599 --> 00:51:38.320
<v Speaker 2>savings except for what Mark said, maybe put it in

929
00:51:39.440 --> 00:51:42.159
<v Speaker 2>you know, nothing risky, but put it in something that

930
00:51:42.199 --> 00:51:45.239
<v Speaker 2>can at least grow better than a savings account. And

931
00:51:45.639 --> 00:51:48.679
<v Speaker 2>there are even a money market or a CD. But

932
00:51:48.840 --> 00:51:53.199
<v Speaker 2>what I would definitely do is talk to John Partner

933
00:51:53.320 --> 00:51:57.039
<v Speaker 2>in lending dot com about a reverse loan, no doubt

934
00:51:57.079 --> 00:52:00.480
<v Speaker 2>in my mind, no doubt in my mind. And how long?

935
00:52:00.559 --> 00:52:03.079
<v Speaker 2>I'm just curious. How long have you guys been married?

936
00:52:05.760 --> 00:52:06.760
<v Speaker 1>Fifty nine years?

937
00:52:07.559 --> 00:52:21.039
<v Speaker 2>Wow? Congratulately. Crap. What's the secret, I'm Jack Dan. The

938
00:52:21.159 --> 00:52:23.480
<v Speaker 2>secret is knowing when you're wrong, which is most of

939
00:52:23.519 --> 00:52:28.320
<v Speaker 2>the time, and your wife is always right. That's right

940
00:52:28.559 --> 00:52:33.039
<v Speaker 2>if you keep that in mind. I have a I

941
00:52:33.119 --> 00:52:36.719
<v Speaker 2>have a shirt that says, if at first you don't succeed,

942
00:52:37.519 --> 00:52:39.639
<v Speaker 2>do what Stephanie told you to do to begin with,

943
00:52:40.039 --> 00:52:41.559
<v Speaker 2>and so you ought to get a shirt like that

944
00:52:41.679 --> 00:52:45.800
<v Speaker 2>with Nancy on it. Yep, thank you very much for calling,

945
00:52:45.840 --> 00:52:49.960
<v Speaker 2>and John Clay, I really appreciate this. And you talk

946
00:52:50.079 --> 00:52:55.400
<v Speaker 2>about reverse loans and what I'm confused about something not

947
00:52:55.480 --> 00:52:58.079
<v Speaker 2>confused in a bad way, but I'm glad to hear

948
00:52:58.119 --> 00:53:01.119
<v Speaker 2>there are more offerings if you can hold on. I

949
00:53:01.159 --> 00:53:04.639
<v Speaker 2>want to ask about some of these so called proprietary

950
00:53:04.719 --> 00:53:08.440
<v Speaker 2>products or different kinds of loans. I thought they were

951
00:53:08.480 --> 00:53:12.079
<v Speaker 2>all government backs, to excuse me, reverse loans, and you

952
00:53:12.199 --> 00:53:14.880
<v Speaker 2>talked about private loans. I want to talk about that

953
00:53:15.239 --> 00:53:17.960
<v Speaker 2>right after this. I'm Tom Martino three O three seven

954
00:53:18.000 --> 00:53:21.000
<v Speaker 2>one three eight two five five waterpros Dot net. You

955
00:53:21.159 --> 00:53:23.320
<v Speaker 2>need to start thinking about drinking water. There is no

956
00:53:23.440 --> 00:53:26.559
<v Speaker 2>safe drinking water when it really comes down to forever chemicals,

957
00:53:26.559 --> 00:53:29.760
<v Speaker 2>plastics and chlorine. And you can get a system in

958
00:53:29.800 --> 00:53:34.119
<v Speaker 2>your home from water Pros, great people. The lowest prices

959
00:53:34.159 --> 00:53:37.320
<v Speaker 2>on the best systems thirty nine to ninety five will

960
00:53:37.320 --> 00:53:41.639
<v Speaker 2>get you everything in your home for your water. That's

961
00:53:41.679 --> 00:53:44.239
<v Speaker 2>Waterpros dot net three three eight six two five five

962
00:53:44.360 --> 00:53:51.440
<v Speaker 2>five four. I'm Martino, your troubleshooter three three seven one

963
00:53:51.519 --> 00:53:54.960
<v Speaker 2>three talk seven one three eight two five five. Can

964
00:53:55.000 --> 00:53:57.039
<v Speaker 2>you guess what I'm doing when I'm off the air here? No,

965
00:53:57.199 --> 00:53:59.320
<v Speaker 2>you can't anyway. By the way, Tom, I think you

966
00:53:59.360 --> 00:54:02.599
<v Speaker 2>gave some wrong information to that woman who said was

967
00:54:02.599 --> 00:54:05.760
<v Speaker 2>it a woman or a guy? The restitution ordered to

968
00:54:05.760 --> 00:54:09.400
<v Speaker 2>pay restitution and she was ordered to pay restitution for

969
00:54:09.440 --> 00:54:12.639
<v Speaker 2>an accident in a parking lot. And he said she

970
00:54:12.639 --> 00:54:15.639
<v Speaker 2>can ask for a restitution hearing. And the only reason

971
00:54:15.760 --> 00:54:18.960
<v Speaker 2>that the amount was assessed is because the other party

972
00:54:19.039 --> 00:54:21.920
<v Speaker 2>was asking for it. If she signs a promisory note,

973
00:54:21.960 --> 00:54:24.840
<v Speaker 2>she's admitting and agreeing to it. But she can ask

974
00:54:24.920 --> 00:54:29.800
<v Speaker 2>for a hearing on that to determine restitution. Now let's

975
00:54:29.800 --> 00:54:32.559
<v Speaker 2>go back to Johnclacepartner in lending dot Com, which is

976
00:54:32.800 --> 00:54:36.800
<v Speaker 2>CMG Mortgage. Talking about reverse loans, John, you talked about

977
00:54:37.519 --> 00:54:41.119
<v Speaker 2>different kinds of reverse loans. At one time, all reverse

978
00:54:41.199 --> 00:54:44.679
<v Speaker 2>loans came from government guarantees. Is that right?

979
00:54:45.960 --> 00:54:48.480
<v Speaker 1>Yeah, so they did. They used to be called the

980
00:54:48.760 --> 00:54:50.960
<v Speaker 1>HACKEM warns them back by f A K. But they're

981
00:54:51.000 --> 00:54:54.800
<v Speaker 1>all federally guaranteed. And since in the last few years,

982
00:54:54.800 --> 00:54:57.320
<v Speaker 1>they've come out a lot of come out with proprietary

983
00:54:57.360 --> 00:55:00.159
<v Speaker 1>products with her which still have the same protections as

984
00:55:00.199 --> 00:55:02.519
<v Speaker 1>all the government loans. It's just you know, you got

985
00:55:02.559 --> 00:55:06.760
<v Speaker 1>the private lenders, private equity groups putting it together on

986
00:55:06.800 --> 00:55:07.559
<v Speaker 1>these loans.

987
00:55:07.559 --> 00:55:10.079
<v Speaker 2>So how do they differ? Give me an idea of

988
00:55:10.079 --> 00:55:10.840
<v Speaker 2>how they differ.

989
00:55:12.119 --> 00:55:15.039
<v Speaker 1>Okay, so for example, there's quite a few states in

990
00:55:15.119 --> 00:55:18.760
<v Speaker 1>Colorado is one of them. Not all states that they allow.

991
00:55:19.119 --> 00:55:23.360
<v Speaker 1>They'll allow reverse mortgages down to age fifty five. Now,

992
00:55:23.719 --> 00:55:26.360
<v Speaker 1>obviously you're going to have some equity. Probably won't work

993
00:55:26.480 --> 00:55:28.880
<v Speaker 1>quite you know as well there, but you can do

994
00:55:28.920 --> 00:55:31.880
<v Speaker 1>it down to age fifty five in Colorado. Now thecker

995
00:55:31.960 --> 00:55:35.480
<v Speaker 1>yet the HACKM FHA you still have to be sixty two.

996
00:55:35.880 --> 00:55:38.039
<v Speaker 1>And then another great product they've come out with is

997
00:55:38.079 --> 00:55:41.239
<v Speaker 1>what they call a they call a home safe second,

998
00:55:41.480 --> 00:55:44.159
<v Speaker 1>which is for people, and that goes down age fifty

999
00:55:44.159 --> 00:55:46.599
<v Speaker 1>five also, but if you if you have you know,

1000
00:55:46.639 --> 00:55:49.039
<v Speaker 1>if you've got a five hundred thousand dollars house and

1001
00:55:49.079 --> 00:55:52.519
<v Speaker 1>you only have like a fifty thousand mortgage at two percent,

1002
00:55:52.639 --> 00:55:54.519
<v Speaker 1>you don't want to get rid of that rate, Well

1003
00:55:54.639 --> 00:55:58.079
<v Speaker 1>they can actually now you can do a second mortgage,

1004
00:55:58.119 --> 00:56:01.199
<v Speaker 1>reverse mortgage. Second, that could off all your credit card

1005
00:56:01.239 --> 00:56:03.760
<v Speaker 1>debts and all that debts, and that'll go up to

1006
00:56:03.840 --> 00:56:07.760
<v Speaker 1>about forty five loan to value on something like that.

1007
00:56:07.920 --> 00:56:11.639
<v Speaker 1>But so those are some of the wow. The other

1008
00:56:11.719 --> 00:56:15.679
<v Speaker 1>products is both people don't have to be sixty two anymore.

1009
00:56:15.800 --> 00:56:18.800
<v Speaker 1>You do work off the younger bars age as far

1010
00:56:18.840 --> 00:56:22.800
<v Speaker 1>as doing the calculations for the money out. But so yeah,

1011
00:56:22.800 --> 00:56:25.519
<v Speaker 1>there's a lot a lot of openings as far as

1012
00:56:25.719 --> 00:56:27.960
<v Speaker 1>that goes as far as the age limits.

1013
00:56:28.079 --> 00:56:33.000
<v Speaker 2>So in this couple, let's say one of them's eighty six,

1014
00:56:33.079 --> 00:56:35.880
<v Speaker 2>one of them is eighty two, they get the reverse loan.

1015
00:56:36.320 --> 00:56:38.840
<v Speaker 2>Do you get it in both names so the other

1016
00:56:38.880 --> 00:56:40.519
<v Speaker 2>one doesn't have to be displaced?

1017
00:56:42.079 --> 00:56:45.480
<v Speaker 17>Yeah, well, you no matter what, if they're living in

1018
00:56:45.519 --> 00:56:48.280
<v Speaker 17>the house, they have to be You have to to

1019
00:56:48.760 --> 00:56:50.800
<v Speaker 17>put that up there, and yes you can't.

1020
00:56:50.880 --> 00:56:54.119
<v Speaker 1>You still can't take a spouse off. So you can

1021
00:56:54.159 --> 00:56:56.519
<v Speaker 1>take her you know, she can be what they call them.

1022
00:56:56.400 --> 00:56:59.920
<v Speaker 2>Non okay, So she was so, So if you're a

1023
00:57:00.159 --> 00:57:03.840
<v Speaker 2>if you're an older guy, if you're an older guy

1024
00:57:03.960 --> 00:57:06.800
<v Speaker 2>and you're living with a younger woman, you can't get

1025
00:57:06.840 --> 00:57:09.880
<v Speaker 2>a reverse loan if she does not qualify.

1026
00:57:11.519 --> 00:57:15.360
<v Speaker 1>Well, right, but she most likely they qualified a pretty

1027
00:57:15.400 --> 00:57:17.400
<v Speaker 1>young age. But I mean thirty nine. But then they're

1028
00:57:17.400 --> 00:57:19.480
<v Speaker 1>going to limit to what you have. But you know,

1029
00:57:19.480 --> 00:57:21.840
<v Speaker 1>if you're seventy five and you have a spouse that's

1030
00:57:21.880 --> 00:57:24.440
<v Speaker 1>forty five and you got a million dollar house, yeah,

1031
00:57:24.480 --> 00:57:26.400
<v Speaker 1>they're going to still give you a reverse and she's

1032
00:57:26.440 --> 00:57:29.679
<v Speaker 1>gonna still be protected because it's going to be based

1033
00:57:29.679 --> 00:57:30.760
<v Speaker 1>off of her age.

1034
00:57:31.239 --> 00:57:33.960
<v Speaker 2>The money is that they give, Okay, but it would

1035
00:57:34.000 --> 00:57:38.039
<v Speaker 2>severely limit the amount of money you can get because

1036
00:57:38.199 --> 00:57:39.400
<v Speaker 2>of the younger spouse.

1037
00:57:40.440 --> 00:57:41.199
<v Speaker 1>That is correct.

1038
00:57:42.000 --> 00:57:44.679
<v Speaker 2>So when the older so let me get this straight.

1039
00:57:45.039 --> 00:57:47.960
<v Speaker 2>If if an older spouse and a younger spouse, they

1040
00:57:48.000 --> 00:57:51.000
<v Speaker 2>get a loan and they have it the loan and

1041
00:57:51.039 --> 00:57:54.840
<v Speaker 2>the older spouse dies, the younger spouse can still live

1042
00:57:54.880 --> 00:57:59.800
<v Speaker 2>there and still continue yep, and that's a big.

1043
00:57:59.679 --> 00:58:02.679
<v Speaker 1>Okay they made Yeah. Yeah, and they won't let if

1044
00:58:02.760 --> 00:58:05.599
<v Speaker 1>you're married, like, they won't let you only do the

1045
00:58:05.639 --> 00:58:09.039
<v Speaker 1>loan under your name. If you're married, that's okay, Dot,

1046
00:58:09.119 --> 00:58:10.119
<v Speaker 1>you can't do that.

1047
00:58:10.559 --> 00:58:11.719
<v Speaker 3>Yeah.

1048
00:58:11.800 --> 00:58:16.639
<v Speaker 2>What about living? You know, nowadays people people are really creative.

1049
00:58:16.719 --> 00:58:20.199
<v Speaker 2>What about living in the same household? Does that count?

1050
00:58:21.199 --> 00:58:21.320
<v Speaker 11>Uh?

1051
00:58:21.760 --> 00:58:24.199
<v Speaker 1>What we do about that is if they're not married,

1052
00:58:24.800 --> 00:58:27.239
<v Speaker 1>we do a calculation on how many people live in

1053
00:58:27.239 --> 00:58:29.920
<v Speaker 1>that household, and then you have to have some residual

1054
00:58:30.000 --> 00:58:33.960
<v Speaker 1>income to qualify for that. So the more people, you know,

1055
00:58:34.159 --> 00:58:36.599
<v Speaker 1>typically reverses. You don't have to show a lot of income.

1056
00:58:36.639 --> 00:58:40.280
<v Speaker 1>Social Security will work. But if you have like you know,

1057
00:58:41.119 --> 00:58:45.159
<v Speaker 1>you know, a cousin or aunt and sister, they do

1058
00:58:45.239 --> 00:58:49.000
<v Speaker 1>a calculation on how much residual income you have to have,

1059
00:58:49.039 --> 00:58:50.679
<v Speaker 1>so you couldn't do a no income loan.

1060
00:58:51.119 --> 00:58:55.280
<v Speaker 2>Leftover, what about grandparents? What about grandparents that might have

1061
00:58:55.360 --> 00:58:59.239
<v Speaker 2>a minor or might have a young dependent.

1062
00:59:00.960 --> 00:59:05.360
<v Speaker 1>You know, they can't protect that dependent as far as

1063
00:59:05.360 --> 00:59:08.599
<v Speaker 1>the long as they can live on that. But it

1064
00:59:08.840 --> 00:59:12.480
<v Speaker 1>just really what it does is it takes into effect

1065
00:59:12.559 --> 00:59:15.480
<v Speaker 1>of how much they'd have to show in residual income.

1066
00:59:15.639 --> 00:59:22.079
<v Speaker 1>Every month. But then when normally though, when the parents

1067
00:59:22.079 --> 00:59:25.480
<v Speaker 1>passed away, they would give that person basically a year

1068
00:59:25.559 --> 00:59:28.599
<v Speaker 1>to either refinance or sell the house to pay that

1069
00:59:28.719 --> 00:59:29.559
<v Speaker 1>up rivers mortgage.

1070
00:59:29.679 --> 00:59:34.039
<v Speaker 2>Okay, all right, Now, on a normal circumstance though, with

1071
00:59:34.119 --> 00:59:39.119
<v Speaker 2>a reverse loan, if they want to leave or they

1072
00:59:39.159 --> 00:59:42.760
<v Speaker 2>want to sell, it's like any other sale. It's like

1073
00:59:42.880 --> 00:59:44.800
<v Speaker 2>any other moving. You pay off the loan.

1074
00:59:46.119 --> 00:59:49.039
<v Speaker 1>Correct, Yeah, just just like a regular mortgage. You got

1075
00:59:49.079 --> 00:59:50.719
<v Speaker 1>you know what your b house do and then you

1076
00:59:50.840 --> 00:59:53.920
<v Speaker 1>keep all the equity in it. And that's what people forget.

1077
00:59:53.920 --> 00:59:57.119
<v Speaker 2>And if for some reason, if for some reason, the

1078
00:59:57.159 --> 01:00:00.719
<v Speaker 2>house went down in value, then you would have you

1079
01:00:00.760 --> 01:00:02.360
<v Speaker 2>can just walk away. Is that right.

1080
01:00:03.400 --> 01:00:06.719
<v Speaker 1>It's non recourse, which is nice. And yeah, it's non recourse,

1081
01:00:06.800 --> 01:00:09.679
<v Speaker 1>so theirs, whoever they left the house to, can always

1082
01:00:09.719 --> 01:00:13.599
<v Speaker 1>walk away. And now they also always offer the house

1083
01:00:13.639 --> 01:00:16.800
<v Speaker 1>out a ninety five percent value of what is owed

1084
01:00:17.360 --> 01:00:19.480
<v Speaker 1>if they want to buy it, you know, buy it

1085
01:00:19.519 --> 01:00:21.960
<v Speaker 1>out because that makes fifty old house. Yeah, that's what

1086
01:00:22.079 --> 01:00:22.440
<v Speaker 1>they want to do.

1087
01:00:22.480 --> 01:00:26.519
<v Speaker 2>Whatever, that's really good the house? Yeah yeah, okay, real

1088
01:00:26.599 --> 01:00:28.920
<v Speaker 2>quick here, I had a text while we were talking.

1089
01:00:29.880 --> 01:00:32.800
<v Speaker 2>How would buying a home with a reverse loan work?

1090
01:00:32.840 --> 01:00:33.880
<v Speaker 2>How does that work?

1091
01:00:35.079 --> 01:00:36.880
<v Speaker 1>It would be very very similar to the age. But

1092
01:00:37.000 --> 01:00:40.360
<v Speaker 1>say say you're reversed and say you qualify for that

1093
01:00:40.519 --> 01:00:43.840
<v Speaker 1>you're at like they're aged about eighty four. Well, there,

1094
01:00:44.039 --> 01:00:45.920
<v Speaker 1>you're going to have to put down about forty five

1095
01:00:45.960 --> 01:00:48.760
<v Speaker 1>percent of the purchase price and then you can get

1096
01:00:48.800 --> 01:00:51.840
<v Speaker 1>a loan for the additional fifty five percent and then

1097
01:00:52.280 --> 01:00:54.760
<v Speaker 1>works just like a reverse and never have a mortgage payment.

1098
01:00:54.960 --> 01:00:57.239
<v Speaker 1>So like if you're sixty five and you want to

1099
01:00:57.239 --> 01:00:59.760
<v Speaker 1>do this with a reverse mortgage, you'd have to probably

1100
01:00:59.760 --> 01:01:02.519
<v Speaker 1>put down sixty percent of the value of the house.

1101
01:01:02.599 --> 01:01:04.360
<v Speaker 1>So you know, if you have one hundred thousand, you

1102
01:01:04.360 --> 01:01:06.679
<v Speaker 1>know you have and then you get along for the

1103
01:01:06.880 --> 01:01:08.280
<v Speaker 1>uh for the forty percent.

1104
01:01:08.920 --> 01:01:13.920
<v Speaker 2>Yeah, well, thank you very much. I really appreciate this, John,

1105
01:01:15.079 --> 01:01:19.119
<v Speaker 2>and it's Partner in Lending. Thank you, bro, Thank you.

1106
01:01:19.440 --> 01:01:26.760
<v Speaker 2>Partner in Lending dot com leit or three oh three

1107
01:01:26.880 --> 01:01:29.559
<v Speaker 2>seven one three talk seven one three eight two five five.

1108
01:01:29.840 --> 01:01:32.079
<v Speaker 2>This is odd. We have two problems back to back

1109
01:01:32.119 --> 01:01:35.440
<v Speaker 2>with garage doors. Let's go to Kent first, Kent, talk

1110
01:01:35.519 --> 01:01:37.960
<v Speaker 2>to me about your garage door issue. What's going on

1111
01:01:38.039 --> 01:01:38.320
<v Speaker 2>with you.

1112
01:01:40.480 --> 01:01:42.719
<v Speaker 9>I take care of the house for my brother in

1113
01:01:42.840 --> 01:01:48.880
<v Speaker 9>law and fort Collins. He lives in Tucson. On I

1114
01:01:49.119 --> 01:01:58.039
<v Speaker 9>requested an a price to replace the garage door which

1115
01:01:58.159 --> 01:02:03.840
<v Speaker 9>was damaged by a tenant, and called Front Range Rainer

1116
01:02:04.280 --> 01:02:11.519
<v Speaker 9>and requested it. They shot me back a price, and.

1117
01:02:11.320 --> 01:02:13.480
<v Speaker 2>Then did you need to replace the whole door?

1118
01:02:15.360 --> 01:02:22.000
<v Speaker 8>No, just two or three panels? But at some point

1119
01:02:22.280 --> 01:02:26.159
<v Speaker 8>if it's three panels or more, they just say, you know,

1120
01:02:26.199 --> 01:02:31.840
<v Speaker 8>it's better to just replace the whole door. But they

1121
01:02:31.880 --> 01:02:37.119
<v Speaker 8>thought two panels would probably do it. But I ended

1122
01:02:37.199 --> 01:02:40.800
<v Speaker 8>up getting a bill for one hundred and sixty six

1123
01:02:41.000 --> 01:02:47.280
<v Speaker 8>forty one for adjustments that they made while they were

1124
01:02:47.360 --> 01:02:52.320
<v Speaker 8>there lubrication, they adjusted springs and stuff.

1125
01:02:52.000 --> 01:02:54.079
<v Speaker 9>Like that, which I did not request.

1126
01:02:57.559 --> 01:02:59.840
<v Speaker 2>Okay, let me ask you a couple of questions. This

1127
01:02:59.880 --> 01:03:03.880
<v Speaker 2>is very interesting. What did you request? What brought them

1128
01:03:03.880 --> 01:03:04.639
<v Speaker 2>out to your home?

1129
01:03:06.760 --> 01:03:12.239
<v Speaker 9>I needed a price to to replace or repair the

1130
01:03:12.320 --> 01:03:13.119
<v Speaker 9>garage door?

1131
01:03:14.960 --> 01:03:17.519
<v Speaker 2>And was when you did you? Did you do this

1132
01:03:17.679 --> 01:03:20.440
<v Speaker 2>online or by did you do this online or by

1133
01:03:20.440 --> 01:03:21.920
<v Speaker 2>the phone?

1134
01:03:22.239 --> 01:03:23.840
<v Speaker 9>By phone?

1135
01:03:24.880 --> 01:03:28.800
<v Speaker 2>And and I think what happened was and I know

1136
01:03:28.880 --> 01:03:32.079
<v Speaker 2>a lot of places have this, including one Clear Choice

1137
01:03:32.119 --> 01:03:35.199
<v Speaker 2>garage Doors, which I love. They're my there, my go

1138
01:03:35.239 --> 01:03:39.199
<v Speaker 2>to company, but they have I don't think one Clear

1139
01:03:39.280 --> 01:03:43.719
<v Speaker 2>Choice Doors goes out to a home to check out

1140
01:03:43.719 --> 01:03:47.280
<v Speaker 2>doors free. I think they have an inspection fee and

1141
01:03:47.519 --> 01:03:52.320
<v Speaker 2>included in that is adjustments and lubrication and all of that. Now,

1142
01:03:52.400 --> 01:03:54.559
<v Speaker 2>if you want a new door, maybe they go out

1143
01:03:54.559 --> 01:03:57.000
<v Speaker 2>and look. I don't know. I really don't know this,

1144
01:03:57.400 --> 01:04:00.800
<v Speaker 2>but I think what happened is you pro probably called

1145
01:04:00.880 --> 01:04:04.400
<v Speaker 2>and they put you down for their basic maintenance. That's

1146
01:04:04.480 --> 01:04:09.079
<v Speaker 2>probably what happened. But do they have normally they record

1147
01:04:09.159 --> 01:04:11.960
<v Speaker 2>these calls. Did you call them and say, look, I

1148
01:04:12.039 --> 01:04:13.639
<v Speaker 2>never requested the service.

1149
01:04:15.159 --> 01:04:22.559
<v Speaker 9>Yes, I've contacted them twice and they said that I

1150
01:04:22.639 --> 01:04:24.719
<v Speaker 9>requested service, and I.

1151
01:04:25.320 --> 01:04:27.119
<v Speaker 2>Said, okay, do they have the.

1152
01:04:30.239 --> 01:04:32.679
<v Speaker 9>No, they do not record the calls.

1153
01:04:32.679 --> 01:04:38.960
<v Speaker 2>She said, But well, you're right, why would you call

1154
01:04:39.039 --> 01:04:41.440
<v Speaker 2>if you're thinking about replacing it? Why would you call

1155
01:04:41.519 --> 01:04:42.199
<v Speaker 2>for a service?

1156
01:04:43.639 --> 01:04:49.159
<v Speaker 9>Exactly? That's what I asked her, and she had no response.

1157
01:04:49.679 --> 01:04:51.960
<v Speaker 2>By the way, let me ask you something, how is

1158
01:04:52.000 --> 01:04:54.000
<v Speaker 2>the door operating now that they did that?

1159
01:04:56.320 --> 01:05:03.639
<v Speaker 9>The door has always been fine? I mean I didn't yeah,

1160
01:05:03.760 --> 01:05:06.719
<v Speaker 9>and the damage to the front, the damage to the

1161
01:05:06.800 --> 01:05:08.559
<v Speaker 9>door was just cosmetic.

1162
01:05:08.840 --> 01:05:11.519
<v Speaker 1>It was just you know, minor.

1163
01:05:12.119 --> 01:05:14.840
<v Speaker 2>So you don't notice it. You don't notice the door

1164
01:05:14.920 --> 01:05:17.400
<v Speaker 2>operating any better now than before.

1165
01:05:18.760 --> 01:05:22.519
<v Speaker 5>No, you know, I.

1166
01:05:22.400 --> 01:05:24.920
<v Speaker 2>Wouldn't pay it. If I didn't request a service, I

1167
01:05:24.960 --> 01:05:27.280
<v Speaker 2>wouldn't pay it. I would make them prove that I

1168
01:05:28.000 --> 01:05:30.280
<v Speaker 2>asked for it. The problem is it's going to get

1169
01:05:30.280 --> 01:05:32.679
<v Speaker 2>a little messy, don't you think, Mark, I think that

1170
01:05:32.760 --> 01:05:35.119
<v Speaker 2>they're going to do a lean or something. It could

1171
01:05:35.199 --> 01:05:38.920
<v Speaker 2>get messble. What was the name of the company, Rainer,

1172
01:05:38.960 --> 01:05:45.679
<v Speaker 2>I believe you said, right, brainer, Yeah, Okay, hold on

1173
01:05:45.719 --> 01:05:48.400
<v Speaker 2>a second. Let's give them a call and let's see

1174
01:05:48.400 --> 01:05:51.039
<v Speaker 2>if we can get their comment on this. One of

1175
01:05:51.039 --> 01:05:53.400
<v Speaker 2>the deputies, their deputy Dollar. Let's give them a call.

1176
01:05:53.599 --> 01:05:55.480
<v Speaker 2>I'm Tom Martinez. We have more coming up on The

1177
01:05:55.519 --> 01:06:07.000
<v Speaker 2>Troubleshooter Show. Stay tuned for problems, questions and complaints. Ripped

1178
01:06:07.079 --> 01:06:11.960
<v Speaker 2>off need so you don't have.

1179
01:06:14.119 --> 01:06:14.920
<v Speaker 1>Come running.

1180
01:06:15.159 --> 01:06:16.519
<v Speaker 13>Just as fast as we can.

1181
01:06:17.440 --> 01:06:21.599
<v Speaker 4>Shooter's gonna help come man Dix.

1182
01:06:22.039 --> 01:06:23.480
<v Speaker 5>Is the Troubleshooter Show.

1183
01:06:24.079 --> 01:06:30.199
<v Speaker 2>No, Tom Martino, Martino, Welcome to the show today. I'm

1184
01:06:30.280 --> 01:06:33.320
<v Speaker 2>Dan McKenzie with me from McKenzie Law. Of course, phone

1185
01:06:33.360 --> 01:06:35.519
<v Speaker 2>calls take priority. We'll get to your phone calls. But Dan,

1186
01:06:35.840 --> 01:06:40.039
<v Speaker 2>I have a text that's very interesting and it asks

1187
01:06:40.360 --> 01:06:43.519
<v Speaker 2>here's what it says. They are positive there was a

1188
01:06:43.599 --> 01:06:47.440
<v Speaker 2>will involved. Dan McKenzie. McKenzie Law does a state planning

1189
01:06:47.480 --> 01:06:49.960
<v Speaker 2>and stuff like that. They were positive there's a will,

1190
01:06:50.480 --> 01:06:55.039
<v Speaker 2>the dad referenced the will. Often they can't find the will.

1191
01:06:55.639 --> 01:06:58.480
<v Speaker 2>What do you do in a case like that when

1192
01:06:58.480 --> 01:07:01.599
<v Speaker 2>you have four siblings, a dad that passed away, the

1193
01:07:01.679 --> 01:07:06.039
<v Speaker 2>mother's already gone, and he referenced a will, talked about

1194
01:07:06.039 --> 01:07:10.199
<v Speaker 2>a will. They suspect maybe this one older sibling might

1195
01:07:10.280 --> 01:07:14.360
<v Speaker 2>have the will, but he's not disclosing it. But for

1196
01:07:14.480 --> 01:07:19.639
<v Speaker 2>all intents and purposes, right now it's missing. Okay, what

1197
01:07:19.719 --> 01:07:20.159
<v Speaker 2>do you do?

1198
01:07:21.320 --> 01:07:21.480
<v Speaker 1>Yeah?

1199
01:07:21.559 --> 01:07:24.320
<v Speaker 14>Unfortunately, the court presumes if you're not able to produce

1200
01:07:24.360 --> 01:07:26.679
<v Speaker 14>the original will, not just a copy of the original,

1201
01:07:26.760 --> 01:07:28.360
<v Speaker 14>that the reason you can't do it is because it

1202
01:07:28.400 --> 01:07:31.079
<v Speaker 14>was destroyed. So and that's possible, right, this guy could

1203
01:07:31.079 --> 01:07:32.280
<v Speaker 14>have been talking about it for years.

1204
01:07:32.280 --> 01:07:36.599
<v Speaker 2>Should you proceed as what do they call it? Intestine?

1205
01:07:36.880 --> 01:07:40.719
<v Speaker 14>Yes, you could open a probate, say it's a formal probate,

1206
01:07:41.320 --> 01:07:42.400
<v Speaker 14>and then ask the.

1207
01:07:42.320 --> 01:07:44.679
<v Speaker 15>Court to issue some sort of order.

1208
01:07:44.679 --> 01:07:47.679
<v Speaker 14>But I would probably start with a letter to all

1209
01:07:47.679 --> 01:07:51.239
<v Speaker 14>the siblings that just explains the statue in Colorado that says,

1210
01:07:51.239 --> 01:07:52.760
<v Speaker 14>if you are in custody of a will and you

1211
01:07:52.800 --> 01:07:56.440
<v Speaker 14>do not bodget with the county court within ten days,

1212
01:07:57.199 --> 01:07:59.039
<v Speaker 14>you might have a problem on your hands if that

1213
01:07:59.239 --> 01:08:01.840
<v Speaker 14>failure to lie causes someone to lose money that they

1214
01:08:01.880 --> 01:08:02.480
<v Speaker 14>would have gotten.

1215
01:08:02.599 --> 01:08:04.880
<v Speaker 2>But so what do you do? Though? So it goes

1216
01:08:04.960 --> 01:08:07.440
<v Speaker 2>as if there is no will first, right, since there

1217
01:08:07.480 --> 01:08:07.800
<v Speaker 2>is no one?

1218
01:08:07.800 --> 01:08:10.440
<v Speaker 14>I mean, yeah, So that's the question is why, I mean,

1219
01:08:10.719 --> 01:08:12.639
<v Speaker 14>who thinks that there was a will that was beneficial

1220
01:08:12.679 --> 01:08:13.000
<v Speaker 14>to them?

1221
01:08:13.519 --> 01:08:16.359
<v Speaker 2>They all remember the dad talking, they didn't talk about

1222
01:08:16.399 --> 01:08:19.159
<v Speaker 2>the beneficial and again I'm only going by this text,

1223
01:08:19.399 --> 01:08:21.680
<v Speaker 2>but they say that they all agree there was a will.

1224
01:08:21.880 --> 01:08:24.079
<v Speaker 2>He mentioned the will, but they can't find the will.

1225
01:08:24.199 --> 01:08:26.680
<v Speaker 14>I mean, I guess the really the first question is

1226
01:08:26.680 --> 01:08:28.199
<v Speaker 14>is there a probatable estate here?

1227
01:08:28.359 --> 01:08:28.960
<v Speaker 2>What did he have?

1228
01:08:29.199 --> 01:08:31.079
<v Speaker 15>Did he have real estate? Did he have eighty six

1229
01:08:31.119 --> 01:08:31.720
<v Speaker 15>thousand dollars with?

1230
01:08:31.840 --> 01:08:32.000
<v Speaker 1>Yeah?

1231
01:08:32.000 --> 01:08:33.720
<v Speaker 2>And I don't know that part, but let's assume he

1232
01:08:33.800 --> 01:08:36.520
<v Speaker 2>had a big estate or a medium estate and he

1233
01:08:36.640 --> 01:08:39.560
<v Speaker 2>needed to go through probate. But they can't find the will.

1234
01:08:40.159 --> 01:08:43.920
<v Speaker 2>Is there a such thing as a temporary settlement? And

1235
01:08:43.960 --> 01:08:46.560
<v Speaker 2>then they readjusted if they find the will, yeah.

1236
01:08:46.399 --> 01:08:49.039
<v Speaker 14>I mean, I proceed in testate and see what you know?

1237
01:08:49.119 --> 01:08:51.880
<v Speaker 14>We just go through that process, and then, like I said,

1238
01:08:51.920 --> 01:08:55.319
<v Speaker 14>notify everybody who might have custody of a will that, hey,

1239
01:08:55.640 --> 01:08:56.279
<v Speaker 14>you know, look for this.

1240
01:08:56.479 --> 01:08:58.239
<v Speaker 2>Is there a penalty for not bringing forth a.

1241
01:08:58.239 --> 01:08:59.560
<v Speaker 15>Will if it damages somebody?

1242
01:09:00.159 --> 01:09:01.880
<v Speaker 14>Kind of back to our med mail discussion, right, right,

1243
01:09:01.920 --> 01:09:04.439
<v Speaker 14>you can have all these bad things, but if there's

1244
01:09:04.439 --> 01:09:06.159
<v Speaker 14>no damages, it doesn't really make okay.

1245
01:09:06.199 --> 01:09:09.199
<v Speaker 2>So okay, let's say they settle things and later on

1246
01:09:09.239 --> 01:09:11.880
<v Speaker 2>a will is discovered. Can you actually go to court

1247
01:09:11.960 --> 01:09:13.119
<v Speaker 2>and have things readjusted?

1248
01:09:14.239 --> 01:09:15.560
<v Speaker 15>I mean obviously it's hard.

1249
01:09:16.000 --> 01:09:20.840
<v Speaker 14>Yes, sure, but you know, is the money already spent right.

1250
01:09:20.680 --> 01:09:23.560
<v Speaker 2>Around, so there's nothing you can do in most the

1251
01:09:23.640 --> 01:09:27.520
<v Speaker 2>practical the practical answer is you can do it, but

1252
01:09:27.680 --> 01:09:28.760
<v Speaker 2>you may never get paid.

1253
01:09:29.560 --> 01:09:30.880
<v Speaker 15>That's always a problem with medication.

1254
01:09:31.119 --> 01:09:35.239
<v Speaker 2>Yeah, that's the problem. And so people, here's the biggest

1255
01:09:35.279 --> 01:09:39.279
<v Speaker 2>problem I have found with the states, that they can't

1256
01:09:39.279 --> 01:09:42.239
<v Speaker 2>put their hands on a will readily or the person

1257
01:09:42.520 --> 01:09:45.560
<v Speaker 2>who has the will. Other people don't trust that the

1258
01:09:45.600 --> 01:09:49.319
<v Speaker 2>will is valid. So if I were you, I would

1259
01:09:49.319 --> 01:09:52.680
<v Speaker 2>make copies. I don't know, maybe this is bad advice. Dan,

1260
01:09:52.960 --> 01:09:55.439
<v Speaker 2>I was saying, have each air have a copy of

1261
01:09:55.479 --> 01:09:58.079
<v Speaker 2>the will? Is that a bad idea? Or a good idea.

1262
01:09:58.079 --> 01:09:59.920
<v Speaker 14>I mean, the problem is you just have to remember

1263
01:10:00.039 --> 01:10:02.399
<v Speaker 14>who you gave it to and if there are changes,

1264
01:10:02.520 --> 01:10:04.560
<v Speaker 14>I mean that creates issues. Right, if some people have

1265
01:10:04.640 --> 01:10:07.000
<v Speaker 14>inconsistent copies, it's going to be a problem. So you

1266
01:10:07.079 --> 01:10:10.279
<v Speaker 14>just create potentially a hassle if you want to update things.

1267
01:10:10.119 --> 01:10:13.600
<v Speaker 2>And then the original will is what takes precedent. Right, Yes,

1268
01:10:14.359 --> 01:10:17.279
<v Speaker 2>how do you tell if something's original? Do you market original?

1269
01:10:17.920 --> 01:10:20.159
<v Speaker 14>I mean that's why we try and sign things in

1270
01:10:20.239 --> 01:10:21.399
<v Speaker 14>color and stuff like that.

1271
01:10:21.439 --> 01:10:23.800
<v Speaker 2>Okay, okay, I'm getting better round And do you need

1272
01:10:23.880 --> 01:10:25.800
<v Speaker 2>notaries for those signed signatures?

1273
01:10:26.239 --> 01:10:30.079
<v Speaker 14>So technically under Colorado, so you either do with two

1274
01:10:30.079 --> 01:10:32.560
<v Speaker 14>witnesses or a notary. I will tell you that Denver

1275
01:10:33.359 --> 01:10:35.880
<v Speaker 14>Probate Court, if one of those is missing, they're going

1276
01:10:35.920 --> 01:10:38.239
<v Speaker 14>to make you go through the formal process. So for us,

1277
01:10:38.319 --> 01:10:41.119
<v Speaker 14>we always do both two witnesses and a notary.

1278
01:10:41.199 --> 01:10:44.399
<v Speaker 2>Oh, do both? So you do two witnesses plus a notary. Yeah,

1279
01:10:44.439 --> 01:10:47.720
<v Speaker 2>so you're having three witnesses to this signature basically. Yeah,

1280
01:10:47.760 --> 01:10:50.520
<v Speaker 2>all right, let's talk to Darryl and Nancy. Hello, Daryl

1281
01:10:50.560 --> 01:10:53.520
<v Speaker 2>and Nancy, whoever wants to take it? Take it? What's

1282
01:10:53.560 --> 01:10:54.000
<v Speaker 2>going on?

1283
01:10:55.520 --> 01:10:55.880
<v Speaker 1>All right?

1284
01:10:56.159 --> 01:11:02.199
<v Speaker 11>This is Darryl, my wife, Yes, for information more than

1285
01:11:02.239 --> 01:11:07.560
<v Speaker 11>anything else. We're well into our retirement. We're living in

1286
01:11:07.600 --> 01:11:10.920
<v Speaker 11>a house that we like very much, but as the

1287
01:11:11.000 --> 01:11:14.720
<v Speaker 11>costs are going up and as our income is going down,

1288
01:11:14.800 --> 01:11:19.479
<v Speaker 11>we're getting into some things that we want to look at.

1289
01:11:19.560 --> 01:11:23.079
<v Speaker 11>And we looked at things like second mortgages and reverse

1290
01:11:23.199 --> 01:11:27.399
<v Speaker 11>mortgages and maybe selling the house and downsizing, and we're

1291
01:11:28.119 --> 01:11:32.680
<v Speaker 11>struggling as to what to do and where to go

1292
01:11:32.800 --> 01:11:37.600
<v Speaker 11>first advice. We've talked to a couple of different mortgage companies,

1293
01:11:37.640 --> 01:11:42.479
<v Speaker 11>both for second mortgage and reverse mortgage, and obviously they're

1294
01:11:42.479 --> 01:11:43.920
<v Speaker 11>trying to sell something.

1295
01:11:45.520 --> 01:11:47.159
<v Speaker 1>Some time ago, a month or so ago.

1296
01:11:47.239 --> 01:11:50.840
<v Speaker 2>Okay, Darryl, Darryl, I have a few questions for you. Darryl,

1297
01:11:50.880 --> 01:11:53.079
<v Speaker 2>I have a few questions for you. How old are you?

1298
01:11:53.399 --> 01:11:54.680
<v Speaker 2>How old are you and your wife?

1299
01:11:56.000 --> 01:11:59.319
<v Speaker 11>We're in our middle to late eighties, late eighties.

1300
01:12:00.000 --> 01:12:00.239
<v Speaker 5>Okay.

1301
01:12:00.760 --> 01:12:03.520
<v Speaker 2>Now what I want to know is how is your

1302
01:12:03.560 --> 01:12:04.399
<v Speaker 2>house paid for?

1303
01:12:05.720 --> 01:12:10.439
<v Speaker 11>No, it's not we or we we're about halfway through

1304
01:12:10.479 --> 01:12:12.840
<v Speaker 11>the payments on it.

1305
01:12:12.920 --> 01:12:15.439
<v Speaker 2>Well I don't know what that means. So how much

1306
01:12:15.520 --> 01:12:16.399
<v Speaker 2>is owed on the house?

1307
01:12:17.720 --> 01:12:21.359
<v Speaker 11>But we all, you know, just under a half a

1308
01:12:21.479 --> 01:12:23.840
<v Speaker 11>million of them and the house is worth over nine

1309
01:12:23.880 --> 01:12:26.039
<v Speaker 11>hundred thousand.

1310
01:12:26.319 --> 01:12:32.760
<v Speaker 2>Okay, so you have about four hundred thousand inequity. Yeah, yeah, okay,

1311
01:12:34.640 --> 01:12:38.800
<v Speaker 2>And you're thinking about a reverse loan, and that's not

1312
01:12:38.920 --> 01:12:42.800
<v Speaker 2>a bad situation for your age. I would not get

1313
01:12:42.840 --> 01:12:46.520
<v Speaker 2>a second loan. They're not set up for what you

1314
01:12:46.560 --> 01:12:49.680
<v Speaker 2>want to do. If you do, you need money right now?

1315
01:12:49.720 --> 01:12:52.359
<v Speaker 2>Is that what you're looking for? Are you looking for income?

1316
01:12:55.039 --> 01:12:56.079
<v Speaker 1>Not so much?

1317
01:12:56.359 --> 01:12:59.840
<v Speaker 11>Well, I guess the answer with the yes to some extent,

1318
01:13:00.239 --> 01:13:03.119
<v Speaker 11>or to cover some of the bills and stuff that

1319
01:13:03.239 --> 01:13:05.560
<v Speaker 11>we've accummunated. If we got rid of those, then we'd

1320
01:13:05.560 --> 01:13:06.359
<v Speaker 11>probably not have.

1321
01:13:06.479 --> 01:13:10.119
<v Speaker 2>To What kind of bills? What kind of bills have

1322
01:13:10.199 --> 01:13:11.039
<v Speaker 2>you accumulated?

1323
01:13:12.079 --> 01:13:13.920
<v Speaker 1>Oh, mostly credit card over time?

1324
01:13:15.560 --> 01:13:17.319
<v Speaker 2>How much do you have in credit card debt?

1325
01:13:19.760 --> 01:13:22.359
<v Speaker 11>Well, I guess more than I'd like to admit. I'm

1326
01:13:22.359 --> 01:13:23.119
<v Speaker 11>not sure I want to.

1327
01:13:23.479 --> 01:13:26.680
<v Speaker 2>Well here how much? I mean, I'm trying to get

1328
01:13:26.840 --> 01:13:29.359
<v Speaker 2>a snapshot here about how much do you have in

1329
01:13:29.399 --> 01:13:30.600
<v Speaker 2>credit card debt?

1330
01:13:32.039 --> 01:13:33.520
<v Speaker 1>Twenty five to thirty thousand?

1331
01:13:35.359 --> 01:13:39.960
<v Speaker 2>Okay? And here's the most important question. Do you have

1332
01:13:40.039 --> 01:13:44.119
<v Speaker 2>to go to your credit cards every month in order

1333
01:13:44.199 --> 01:13:48.079
<v Speaker 2>to make your bills? Are you depending on credit like

1334
01:13:48.119 --> 01:13:51.880
<v Speaker 2>a second income or can you pay your bills? Let's

1335
01:13:51.920 --> 01:13:55.239
<v Speaker 2>say you got rid of the credit card debt, could

1336
01:13:55.279 --> 01:13:59.039
<v Speaker 2>you pay all of your bills on your existing income?

1337
01:14:00.720 --> 01:14:05.000
<v Speaker 1>I think so yes, Okay, what is your income?

1338
01:14:06.800 --> 01:14:14.039
<v Speaker 11>Well, it's just so security and we both have Social Security.

1339
01:14:14.359 --> 01:14:16.479
<v Speaker 2>Do you guys have any investment accounts?

1340
01:14:19.039 --> 01:14:22.520
<v Speaker 1>No, that's that's the issue. My investment account has finally.

1341
01:14:22.239 --> 01:14:24.439
<v Speaker 11>Run out, and that's why we're starting to get into

1342
01:14:24.479 --> 01:14:25.880
<v Speaker 11>a mind.

1343
01:14:26.560 --> 01:14:30.439
<v Speaker 2>Yep, yep, yep. And then do you have any savings

1344
01:14:30.479 --> 01:14:31.319
<v Speaker 2>of any kind?

1345
01:14:32.760 --> 01:14:35.439
<v Speaker 1>Yeah, yes, we do, Yes, we do.

1346
01:14:35.800 --> 01:14:42.079
<v Speaker 16>How much in savings about two hundred thousand And we're

1347
01:14:42.079 --> 01:14:42.880
<v Speaker 16>trying not to go.

1348
01:14:42.800 --> 01:14:50.159
<v Speaker 2>Into no, and I understand that completely. Now what I

1349
01:14:50.239 --> 01:14:52.600
<v Speaker 2>think if you were my parents, or my brother or

1350
01:14:52.600 --> 01:14:55.399
<v Speaker 2>sister or whatever, here's what I would suggest. And I'm

1351
01:14:55.439 --> 01:14:57.920
<v Speaker 2>going to go to our expert on the line on

1352
01:14:58.039 --> 01:15:01.880
<v Speaker 2>reverse loans. But because you're in your mid eighties and

1353
01:15:01.920 --> 01:15:06.279
<v Speaker 2>you have a home with about four hundred thousand dollars

1354
01:15:06.359 --> 01:15:09.079
<v Speaker 2>in equity, you would be able to get a good

1355
01:15:09.159 --> 01:15:12.760
<v Speaker 2>line of credit that could accrue on your house. You

1356
01:15:12.840 --> 01:15:15.439
<v Speaker 2>never have to make a payment, you never have to

1357
01:15:15.520 --> 01:15:18.039
<v Speaker 2>leave your home, and you can use the line of

1358
01:15:18.079 --> 01:15:21.439
<v Speaker 2>credit when you need it. You don't have to. It's

1359
01:15:21.479 --> 01:15:25.920
<v Speaker 2>not forced on you. It's there for emergencies. But what

1360
01:15:26.039 --> 01:15:29.720
<v Speaker 2>I would suggest is that what you do is that

1361
01:15:29.800 --> 01:15:34.359
<v Speaker 2>you use your income and you pay off your monthly

1362
01:15:34.439 --> 01:15:38.399
<v Speaker 2>bills and not use credit cards anymore, but use this

1363
01:15:38.640 --> 01:15:41.760
<v Speaker 2>line of credit instead. Now I'm going to bring up

1364
01:15:42.560 --> 01:15:49.960
<v Speaker 2>a John Clase. John is with CMG Mortgage. Now that's

1365
01:15:50.000 --> 01:15:53.399
<v Speaker 2>a mortgage banker. They are the ones that do the

1366
01:15:53.439 --> 01:15:57.239
<v Speaker 2>actual loans and he works for them, and it's direct lending.

1367
01:15:57.720 --> 01:16:00.640
<v Speaker 2>And John, you guys do reverse loans? Is that right?

1368
01:16:01.920 --> 01:16:02.239
<v Speaker 11>We do.

1369
01:16:02.359 --> 01:16:04.479
<v Speaker 1>We do a lot of reverse loans. We do help

1370
01:16:04.520 --> 01:16:06.880
<v Speaker 1>people out. And you said, you're.

1371
01:16:07.239 --> 01:16:10.399
<v Speaker 2>Don't you think they're in a good position. You think

1372
01:16:10.399 --> 01:16:11.479
<v Speaker 2>they're in a good position.

1373
01:16:12.760 --> 01:16:14.520
<v Speaker 1>I ran some of the numbers just kind of while

1374
01:16:14.560 --> 01:16:17.680
<v Speaker 1>we're on the phone, and at eighty four, so basically,

1375
01:16:17.880 --> 01:16:20.760
<v Speaker 1>what is your monthly mortgage payment right now? I mean,

1376
01:16:20.800 --> 01:16:22.720
<v Speaker 1>what what do you? What is what is that about?

1377
01:16:23.560 --> 01:16:30.199
<v Speaker 1>You're current twenty eight p I T. I wow, these numbers.

1378
01:16:30.359 --> 01:16:33.920
<v Speaker 1>The house is worth nine hundred and you'll five a

1379
01:16:34.039 --> 01:16:36.000
<v Speaker 1>reverse mortgage. You're going to be able to but you're

1380
01:16:36.000 --> 01:16:37.960
<v Speaker 1>going to be it's really just going to pay that

1381
01:16:38.039 --> 01:16:40.520
<v Speaker 1>mortgage off. You're not going to get much more than that,

1382
01:16:40.800 --> 01:16:41.760
<v Speaker 1>okay in this.

1383
01:16:42.399 --> 01:16:45.640
<v Speaker 2>Okay, but that that'll do him some good because he

1384
01:16:45.680 --> 01:16:49.079
<v Speaker 2>doesn't have to make another payment, correct.

1385
01:16:48.720 --> 01:16:51.600
<v Speaker 1>And that's tax free, you know, it's tax free. But

1386
01:16:51.640 --> 01:16:53.439
<v Speaker 1>he gets rid of that payment and that can help

1387
01:16:53.479 --> 01:16:56.079
<v Speaker 1>get rid of all your other debts and loosen up

1388
01:16:56.199 --> 01:16:59.920
<v Speaker 1>your lifestyle. But yes, that's do you think you do.

1389
01:16:59.920 --> 01:17:02.119
<v Speaker 2>You think he can squeeze Do you think he can

1390
01:17:02.159 --> 01:17:05.560
<v Speaker 2>squeeze enough out to pay off his loan and then

1391
01:17:05.720 --> 01:17:08.119
<v Speaker 2>maybe have some to pay off the credit card? Or

1392
01:17:08.119 --> 01:17:10.399
<v Speaker 2>do you think he's right on that limit there?

1393
01:17:11.439 --> 01:17:13.319
<v Speaker 1>Well, he wouldn't tell us what his credit card is,

1394
01:17:13.359 --> 01:17:16.720
<v Speaker 1>but i'd say paid that off and maybe squeeze out

1395
01:17:16.479 --> 01:17:18.439
<v Speaker 1>about another thirty thousand or so.

1396
01:17:18.439 --> 01:17:20.680
<v Speaker 2>So I'm not sure what that's what he's talking about.

1397
01:17:21.079 --> 01:17:24.520
<v Speaker 2>He was talking about thirty thousand. So, Daryl, what we're

1398
01:17:24.520 --> 01:17:28.000
<v Speaker 2>talking about is this, if you use your home and

1399
01:17:28.039 --> 01:17:31.159
<v Speaker 2>get a reverse loan, it does away with your first

1400
01:17:31.199 --> 01:17:33.720
<v Speaker 2>deed of trust or your first mortgage. It does away

1401
01:17:33.760 --> 01:17:37.000
<v Speaker 2>with it. It's gone. So now you save twenty eight

1402
01:17:37.119 --> 01:17:40.960
<v Speaker 2>hundred dollars a month. Right there? You saved two eight

1403
01:17:41.039 --> 01:17:43.960
<v Speaker 2>hundred dollars. Didn't you say your payment was twenty eight hundred.

1404
01:17:44.520 --> 01:17:47.960
<v Speaker 7>Yeah, but he still has insurance and taxes which are

1405
01:17:48.039 --> 01:17:51.720
<v Speaker 7>probably eight hundred to twelve hundred of that easily.

1406
01:17:52.840 --> 01:17:55.039
<v Speaker 1>From you're wrong sevent.

1407
01:17:57.079 --> 01:17:59.319
<v Speaker 2>Yeah, that's gonna That's what I thought. It's not going

1408
01:17:59.399 --> 01:18:02.840
<v Speaker 2>to be. Yeah, so here, but think about this, Daryl.

1409
01:18:03.199 --> 01:18:06.880
<v Speaker 2>If you were able to get that mortgage done, you

1410
01:18:06.920 --> 01:18:09.640
<v Speaker 2>don't have to pay on it, and all you have

1411
01:18:09.720 --> 01:18:12.560
<v Speaker 2>to pay are taxes and insurance, and then he can

1412
01:18:12.920 --> 01:18:15.880
<v Speaker 2>it's enough out to pay off those credit cards. You'd

1413
01:18:15.880 --> 01:18:18.399
<v Speaker 2>be in a good position. You'd be in your home,

1414
01:18:18.760 --> 01:18:22.119
<v Speaker 2>free and clear for all practical purposes. I mean free

1415
01:18:22.119 --> 01:18:24.800
<v Speaker 2>and clear. It's actually eating up your equity, but you

1416
01:18:24.840 --> 01:18:26.960
<v Speaker 2>can stay there the rest of your life. But what

1417
01:18:27.159 --> 01:18:29.520
<v Speaker 2>happens We got to take a break, and I want

1418
01:18:29.520 --> 01:18:31.800
<v Speaker 2>to know what happens when you have two people who

1419
01:18:31.840 --> 01:18:34.439
<v Speaker 2>do you qualify with? And will one have to move

1420
01:18:34.479 --> 01:18:36.840
<v Speaker 2>when the other one dies. We'll talk about that and

1421
01:18:36.880 --> 01:18:44.640
<v Speaker 2>more coming right up on the Troubleshooter Show. I'm Tom Martino.

1422
01:18:45.279 --> 01:18:48.439
<v Speaker 2>You know, reverse loans are a very useful tool. They

1423
01:18:48.479 --> 01:18:51.399
<v Speaker 2>really are. You know, they're not for everyone, just like

1424
01:18:51.520 --> 01:18:56.199
<v Speaker 2>any financial instrument, it depends on your situation. But when

1425
01:18:56.199 --> 01:19:00.199
<v Speaker 2>you have equity sitting there and you're in your mid eighties. Now,

1426
01:19:00.319 --> 01:19:04.039
<v Speaker 2>John Clace, does that open them up for about forty

1427
01:19:04.119 --> 01:19:08.279
<v Speaker 2>percent of of the like like like, the older you get,

1428
01:19:08.319 --> 01:19:12.439
<v Speaker 2>the more equity you can take. So let's say you

1429
01:19:12.479 --> 01:19:15.279
<v Speaker 2>have a house that's paid for. You have a house

1430
01:19:15.279 --> 01:19:19.359
<v Speaker 2>that's paid for and it's worth eight hundred thousand dollars.

1431
01:19:19.640 --> 01:19:22.479
<v Speaker 2>How much what is the most you'll ever get of

1432
01:19:22.520 --> 01:19:23.920
<v Speaker 2>that equity? Fifty percent?

1433
01:19:25.239 --> 01:19:29.000
<v Speaker 1>Yeah, you know, fifties some programs fifty five by top

1434
01:19:29.119 --> 01:19:31.800
<v Speaker 1>if you're up there in the eighties, you know, eighties,

1435
01:19:31.800 --> 01:19:32.039
<v Speaker 1>but you.

1436
01:19:32.119 --> 01:19:33.680
<v Speaker 2>Got to be you got to be in your mid

1437
01:19:33.720 --> 01:19:36.359
<v Speaker 2>to high eighties, right to get that much, you have

1438
01:19:36.439 --> 01:19:39.600
<v Speaker 2>to be to your mid to high eighties. Okay, So

1439
01:19:39.640 --> 01:19:46.640
<v Speaker 2>someone who is by Tom Yeah, no, no, I'm listening.

1440
01:19:46.640 --> 01:19:48.319
<v Speaker 2>Tell me the different categories.

1441
01:19:49.319 --> 01:19:52.319
<v Speaker 1>Well, yeah, so somebody in their sixties, you know, you're

1442
01:19:52.319 --> 01:19:55.159
<v Speaker 1>going to be looking at thirty eight forty percent, you

1443
01:19:55.239 --> 01:19:58.079
<v Speaker 1>go there. Once you get up towards the high sixties,

1444
01:19:58.119 --> 01:20:01.359
<v Speaker 1>early seventies, it's about forty five percent. And then once

1445
01:20:01.359 --> 01:20:03.359
<v Speaker 1>you get you know, to that eighty mark, you can

1446
01:20:03.399 --> 01:20:06.920
<v Speaker 1>start looking at that forty five fifty percent mark.

1447
01:20:07.399 --> 01:20:10.560
<v Speaker 2>So, so what you were saying about What were you

1448
01:20:10.680 --> 01:20:13.479
<v Speaker 2>saying about Darryl and Nancy Is if they're in their

1449
01:20:13.520 --> 01:20:16.439
<v Speaker 2>mid eighties and their house is worth about nine hundred,

1450
01:20:16.680 --> 01:20:20.319
<v Speaker 2>the most they're ever going to get is about four fifty.

1451
01:20:20.720 --> 01:20:23.560
<v Speaker 1>Well you migrate the numbers actually with them being eighty four.

1452
01:20:23.600 --> 01:20:25.399
<v Speaker 1>While we were on the phone and it came out.

1453
01:20:25.960 --> 01:20:28.800
<v Speaker 1>It's one of the proprietary products came out where we

1454
01:20:28.840 --> 01:20:31.680
<v Speaker 1>could get him about five hundred and thirty thousand dollars

1455
01:20:31.720 --> 01:20:32.079
<v Speaker 1>out of it.

1456
01:20:32.720 --> 01:20:35.680
<v Speaker 2>So, oh, that's excellent. So if they get five hundred

1457
01:20:35.680 --> 01:20:39.199
<v Speaker 2>and thirty yep, and they can pay off their credit

1458
01:20:39.199 --> 01:20:41.359
<v Speaker 2>cards exactly.

1459
01:20:41.439 --> 01:20:43.680
<v Speaker 1>So yeah, that was and that's kind of our max.

1460
01:20:43.760 --> 01:20:48.079
<v Speaker 1>It's called our max product that that does that on

1461
01:20:48.159 --> 01:20:51.399
<v Speaker 1>some of that you know, reverses are interesting. I talked

1462
01:20:51.439 --> 01:20:53.439
<v Speaker 1>to guys the other day. He called me from your

1463
01:20:53.479 --> 01:20:56.159
<v Speaker 1>show and he's he's sixty one, and he's like, well,

1464
01:20:56.319 --> 01:20:58.119
<v Speaker 1>I don't know if it will work, but we have

1465
01:20:58.399 --> 01:21:00.960
<v Speaker 1>they'll actually go down to age fifth five these days

1466
01:21:01.000 --> 01:21:03.319
<v Speaker 1>with some of these products, you know type deal.

1467
01:21:05.399 --> 01:21:09.079
<v Speaker 2>Again, the idea is the older, the more you get,

1468
01:21:09.760 --> 01:21:13.000
<v Speaker 2>and you have to pay off your first with a

1469
01:21:13.079 --> 01:21:17.760
<v Speaker 2>reverse loan. So whatever your first is that gets paid first,

1470
01:21:18.199 --> 01:21:21.600
<v Speaker 2>and then after that, after paying your mortgage off, if

1471
01:21:21.600 --> 01:21:24.680
<v Speaker 2>there's any cash left over, you can take that cash.

1472
01:21:24.720 --> 01:21:28.159
<v Speaker 2>What I recommend in a line of credit, which means

1473
01:21:28.720 --> 01:21:31.640
<v Speaker 2>you don't have to take it unless you need it,

1474
01:21:32.079 --> 01:21:34.079
<v Speaker 2>and when you need it, you can write yourself a

1475
01:21:34.159 --> 01:21:38.520
<v Speaker 2>check and you can even pay your taxes and insurance

1476
01:21:38.560 --> 01:21:41.399
<v Speaker 2>out of it. Right you can't.

1477
01:21:41.520 --> 01:21:45.960
<v Speaker 1>Yeah, another thing people don't realize unreversed mortgages. If you

1478
01:21:46.039 --> 01:21:48.359
<v Speaker 1>feel like it, you can always make a mortgage payment

1479
01:21:48.520 --> 01:21:50.960
<v Speaker 1>the same like a first and it just stops growing.

1480
01:21:51.359 --> 01:21:54.439
<v Speaker 2>Right, of course you can, You're right, John, People don't.

1481
01:21:54.720 --> 01:21:57.840
<v Speaker 2>People don't often think about that. But really, if you're

1482
01:21:57.920 --> 01:22:01.920
<v Speaker 2>in Darryl and Nancy's position, why would you make a payment.

1483
01:22:02.079 --> 01:22:04.399
<v Speaker 2>I mean, I know a lot of parents bend over

1484
01:22:04.520 --> 01:22:07.760
<v Speaker 2>backwards to try to preserve their equity for their kids,

1485
01:22:08.119 --> 01:22:10.439
<v Speaker 2>and I say, the hell with your kids. If you've

1486
01:22:10.439 --> 01:22:14.079
<v Speaker 2>worked your life, you worked your whole life, you don't

1487
01:22:14.119 --> 01:22:17.039
<v Speaker 2>have to preserve your equity. You can live off of it.

1488
01:22:17.960 --> 01:22:20.319
<v Speaker 2>What I want to ask Darryl or Nancy, do you

1489
01:22:20.399 --> 01:22:23.279
<v Speaker 2>have any questions for John, Because we would refer you

1490
01:22:23.359 --> 01:22:26.600
<v Speaker 2>to him. He'll take good care of you. You'd be

1491
01:22:26.640 --> 01:22:29.279
<v Speaker 2>able to pay off your first, save that twenty eight

1492
01:22:29.399 --> 01:22:32.479
<v Speaker 2>hundred dollars a month, plus pay off your credit cards.

1493
01:22:32.840 --> 01:22:35.199
<v Speaker 2>I mean, think about how much money you would have

1494
01:22:35.279 --> 01:22:37.840
<v Speaker 2>every month if you didn't have to pay a mortgage

1495
01:22:37.880 --> 01:22:40.000
<v Speaker 2>and you didn't have to pay for the credit cards.

1496
01:22:40.159 --> 01:22:40.920
<v Speaker 2>Think about that?

1497
01:22:42.880 --> 01:22:44.000
<v Speaker 1>Well that certainly.

1498
01:22:44.039 --> 01:22:45.039
<v Speaker 2>Do you have any questions?

1499
01:22:45.279 --> 01:22:47.520
<v Speaker 1>I guess yeah, the question I have.

1500
01:22:48.279 --> 01:22:51.079
<v Speaker 11>The other question I have is would it makes sense

1501
01:22:51.159 --> 01:22:52.479
<v Speaker 11>to take some money.

1502
01:22:52.199 --> 01:22:55.119
<v Speaker 1>Out of our savings to pay off some of the debt?

1503
01:22:56.640 --> 01:23:00.640
<v Speaker 2>Well, that's a personal choice. I always say that if

1504
01:23:00.680 --> 01:23:04.000
<v Speaker 2>your savings are sitting there making two and three percent

1505
01:23:04.359 --> 01:23:08.920
<v Speaker 2>and you're paying out monthly on high interest of fourteen

1506
01:23:09.000 --> 01:23:12.479
<v Speaker 2>to eighteen to twenty five percent, of course it pays

1507
01:23:12.720 --> 01:23:16.880
<v Speaker 2>because for every dime you pay off, you're saving that interest.

1508
01:23:17.159 --> 01:23:20.720
<v Speaker 2>That's why I always say, if you're looking to build

1509
01:23:20.800 --> 01:23:26.319
<v Speaker 2>financial wealth or health, what you need is to get

1510
01:23:26.399 --> 01:23:30.239
<v Speaker 2>rid of high interest debt. And right now you have

1511
01:23:30.359 --> 01:23:33.479
<v Speaker 2>thirty or forty thousand, or twenty or thirty thousand, whatever

1512
01:23:33.520 --> 01:23:36.399
<v Speaker 2>it is, it's too much. How much do your credit

1513
01:23:36.439 --> 01:23:38.159
<v Speaker 2>card payments come to every month?

1514
01:23:40.479 --> 01:23:43.199
<v Speaker 11>Oh somewhere around twelve fourteen hundred dollars?

1515
01:23:44.800 --> 01:23:47.880
<v Speaker 7>Yeah, well, think about change if you took that thirty

1516
01:23:47.960 --> 01:23:51.920
<v Speaker 7>thousand paid off those credit cards, you have the reverse mortgage,

1517
01:23:52.000 --> 01:23:55.800
<v Speaker 7>you're going to be basically making twenty four thousand dollars

1518
01:23:55.880 --> 01:23:58.000
<v Speaker 7>more a year in cash flow. And by the way,

1519
01:23:58.039 --> 01:23:59.760
<v Speaker 7>I do want to say Markia Daryl.

1520
01:23:59.560 --> 01:24:02.399
<v Speaker 2>They're going to say Mark. They're gonna save forty two

1521
01:24:02.479 --> 01:24:06.439
<v Speaker 2>hundred dollars a month, four two hundred dollars a month.

1522
01:24:07.039 --> 01:24:09.760
<v Speaker 7>And the other thing, though, Darryl and Nancy, is if

1523
01:24:09.800 --> 01:24:12.600
<v Speaker 7>you are truly just in a savings account, that's kind

1524
01:24:12.640 --> 01:24:15.399
<v Speaker 7>of crazy. If you want to keep it liquid, that's great.

1525
01:24:15.479 --> 01:24:19.000
<v Speaker 7>But there's different there's different vehicles out there through Schwab

1526
01:24:19.119 --> 01:24:22.000
<v Speaker 7>or even through Wave eight or somewhere where where they

1527
01:24:22.000 --> 01:24:25.359
<v Speaker 7>can invest at and easily make you five percent and

1528
01:24:25.439 --> 01:24:28.880
<v Speaker 7>it's liquid the next day, the next day.

1529
01:24:29.079 --> 01:24:33.720
<v Speaker 2>Yes, yes, yes, so you got you got yes. I

1530
01:24:33.800 --> 01:24:36.960
<v Speaker 2>think what you first look at first is you talk

1531
01:24:37.000 --> 01:24:40.199
<v Speaker 2>to John Clays about a reverse loan. I'm really serious.

1532
01:24:40.520 --> 01:24:44.000
<v Speaker 2>Now listen to this. Once you pay off your mortgage

1533
01:24:44.359 --> 01:24:46.880
<v Speaker 2>and you're saving that twenty eight hundred dollars a month,

1534
01:24:47.239 --> 01:24:49.960
<v Speaker 2>now you can decide how do I want to pay

1535
01:24:49.960 --> 01:24:52.439
<v Speaker 2>those credit cards? Do I want to take it out

1536
01:24:52.479 --> 01:24:54.640
<v Speaker 2>of savings or do I want to take it from

1537
01:24:54.640 --> 01:24:58.239
<v Speaker 2>my line of credit. I personally would not touch my

1538
01:24:58.399 --> 01:25:02.199
<v Speaker 2>savings except for what Mark said. Maybe put it in

1539
01:25:02.319 --> 01:25:05.479
<v Speaker 2>a you know, nothing risky, but put it in something

1540
01:25:05.800 --> 01:25:08.600
<v Speaker 2>that can at least grow better than a savings account.

1541
01:25:09.000 --> 01:25:11.760
<v Speaker 2>And there are even a money market or a CD.

1542
01:25:12.359 --> 01:25:15.920
<v Speaker 2>But what I would definitely do is talk to John

1543
01:25:16.520 --> 01:25:20.359
<v Speaker 2>Partner in lending dot com about a reverse loan. No

1544
01:25:20.479 --> 01:25:23.640
<v Speaker 2>doubt in my mind, no doubt in my mind. And

1545
01:25:23.760 --> 01:25:26.279
<v Speaker 2>how long? I'm just curious, how long have you guys

1546
01:25:26.319 --> 01:25:26.880
<v Speaker 2>been married?

1547
01:25:28.880 --> 01:25:29.000
<v Speaker 11>Uh?

1548
01:25:29.560 --> 01:25:31.279
<v Speaker 1>Fifty nine years?

1549
01:25:31.319 --> 01:25:37.520
<v Speaker 2>Wow? Congratulately. Crap. What's the secret?

1550
01:25:38.880 --> 01:25:39.640
<v Speaker 1>I'm jack damn.

1551
01:25:44.720 --> 01:25:47.159
<v Speaker 2>The secret is knowing when you're wrong, which is most

1552
01:25:47.199 --> 01:25:52.119
<v Speaker 2>of the time, and your wife is always right. That's right,

1553
01:25:52.319 --> 01:25:56.800
<v Speaker 2>if you keep that in mind. I have a I

1554
01:25:56.880 --> 01:26:00.600
<v Speaker 2>have a shirt that says, if at first you don't exceed,

1555
01:26:01.279 --> 01:26:03.439
<v Speaker 2>do what Stephanie told you to do to begin with,

1556
01:26:03.800 --> 01:26:05.359
<v Speaker 2>and so you ought to get a shirt like that

1557
01:26:05.479 --> 01:26:09.279
<v Speaker 2>with Nancy on it. Yep, thank you very much for

1558
01:26:09.319 --> 01:26:13.479
<v Speaker 2>calling and John Clay, I really appreciate this, and you

1559
01:26:13.560 --> 01:26:18.680
<v Speaker 2>talk about reverse loans and what I'm confused about something

1560
01:26:19.000 --> 01:26:21.640
<v Speaker 2>not confused in a bad way, but I'm glad to

1561
01:26:21.680 --> 01:26:24.359
<v Speaker 2>hear there are more offerings. If you could hold on,

1562
01:26:24.800 --> 01:26:27.520
<v Speaker 2>I want to ask about some of these so called

1563
01:26:27.560 --> 01:26:32.079
<v Speaker 2>proprietary products or different kinds of loans. I thought they

1564
01:26:32.079 --> 01:26:35.720
<v Speaker 2>were all government backs to excuse me, reverse loans, and

1565
01:26:35.760 --> 01:26:38.560
<v Speaker 2>you talked about private loans. I want to talk about

1566
01:26:38.560 --> 01:26:41.680
<v Speaker 2>that right after this. I'm Tom Martine. Three three seven

1567
01:26:41.760 --> 01:26:44.800
<v Speaker 2>one three eight two five five waterpros dot net. You

1568
01:26:44.920 --> 01:26:47.119
<v Speaker 2>need to start thinking about drinking water. There is no

1569
01:26:47.199 --> 01:26:50.359
<v Speaker 2>safe drinking water when it really comes down to forever chemicals,

1570
01:26:50.359 --> 01:26:53.520
<v Speaker 2>plastics and chlorine. And you can get a system in

1571
01:26:53.560 --> 01:26:57.920
<v Speaker 2>your home from water Pros, great people. The lowest prices

1572
01:26:57.960 --> 01:27:01.319
<v Speaker 2>on the best systems thirty nine ninety five will get

1573
01:27:01.359 --> 01:27:06.000
<v Speaker 2>you everything in your home for your water. That's Waterpros

1574
01:27:06.000 --> 01:27:08.600
<v Speaker 2>dot net. Three three eight six two five five five four.

1575
01:27:13.039 --> 01:27:16.439
<v Speaker 2>Hi Tom Martine, you're troubleshooter three three seven one three

1576
01:27:16.520 --> 01:27:19.800
<v Speaker 2>talk seven one three eight two five five. Can you

1577
01:27:19.840 --> 01:27:21.760
<v Speaker 2>guess what I'm doing when I'm off the air here? No,

1578
01:27:21.920 --> 01:27:24.079
<v Speaker 2>you can't anyway. By the way, Tom, I think you

1579
01:27:24.119 --> 01:27:27.319
<v Speaker 2>gave some wrong information to that woman who said was

1580
01:27:27.359 --> 01:27:30.479
<v Speaker 2>it a woman or a guy? The restitution ordered to

1581
01:27:30.520 --> 01:27:34.279
<v Speaker 2>pay restitution. She was ordered to pay restitution for an

1582
01:27:34.319 --> 01:27:37.520
<v Speaker 2>accident in a parking lot, and he said, she can

1583
01:27:37.560 --> 01:27:40.640
<v Speaker 2>ask for a restitution hearing, and the only reason that

1584
01:27:40.920 --> 01:27:43.840
<v Speaker 2>the amount was assessed is because the other party was

1585
01:27:43.880 --> 01:27:46.880
<v Speaker 2>asking for it. If she signs a promisory note, she's

1586
01:27:46.920 --> 01:27:49.720
<v Speaker 2>admitting and agreeing to it, but she can ask for

1587
01:27:49.760 --> 01:27:54.600
<v Speaker 2>a hearing on that to determine restitution. Now, let's go

1588
01:27:54.680 --> 01:27:58.600
<v Speaker 2>back to johnclaspartner in lending dot Com, which is CMG Mortgage,

1589
01:27:58.760 --> 01:28:02.920
<v Speaker 2>talking about reverse loan. John, you talked about different kinds

1590
01:28:02.920 --> 01:28:07.079
<v Speaker 2>of reverse loans. At one time, all reverse loans came

1591
01:28:07.159 --> 01:28:09.399
<v Speaker 2>from government guarantees. Is that right?

1592
01:28:10.680 --> 01:28:12.880
<v Speaker 1>Yeah, so they did. They used to be called the

1593
01:28:12.920 --> 01:28:16.960
<v Speaker 1>hackem Wars and backed by FAHA, but they're all federally guaranteed.

1594
01:28:17.000 --> 01:28:20.079
<v Speaker 1>And since in the last few years, they've come out

1595
01:28:20.239 --> 01:28:22.800
<v Speaker 1>a lot of come out with proprietary products with her

1596
01:28:23.000 --> 01:28:26.079
<v Speaker 1>which still have the same protections as all the government loans.

1597
01:28:26.319 --> 01:28:28.560
<v Speaker 1>It's just you know, you got the private lenders, private

1598
01:28:28.600 --> 01:28:32.279
<v Speaker 1>equity type groups putting it together on these loans.

1599
01:28:32.279 --> 01:28:34.800
<v Speaker 2>So how do they differ? Give me an idea of

1600
01:28:34.800 --> 01:28:35.560
<v Speaker 2>how they differ.

1601
01:28:36.840 --> 01:28:39.760
<v Speaker 1>Okay, So, for example, there's quite a few states in

1602
01:28:39.840 --> 01:28:43.479
<v Speaker 1>Colorado is one of them? Not all states that they allow,

1603
01:28:43.840 --> 01:28:48.079
<v Speaker 1>they'll allow reverse mortgages down to age fifty five. Now

1604
01:28:48.439 --> 01:28:51.119
<v Speaker 1>obviously you're going to have some equity, probably won't work

1605
01:28:51.199 --> 01:28:53.600
<v Speaker 1>quite you know as well there, but you can do

1606
01:28:53.640 --> 01:28:57.119
<v Speaker 1>it down to age fifty five in Colorado now yet

1607
01:28:57.119 --> 01:28:59.920
<v Speaker 1>the hack em faha used to have to be sixty.

1608
01:29:00.600 --> 01:29:02.760
<v Speaker 1>And then another great product they come out with is

1609
01:29:02.800 --> 01:29:05.720
<v Speaker 1>what they call a they call a home Safe second,

1610
01:29:06.239 --> 01:29:08.880
<v Speaker 1>which is for people, and that goes down age fifty

1611
01:29:08.920 --> 01:29:11.319
<v Speaker 1>five also. But if you if you have you know,

1612
01:29:11.359 --> 01:29:13.760
<v Speaker 1>if you've got a five hundred thousand dollar house and

1613
01:29:13.800 --> 01:29:17.239
<v Speaker 1>you only have like a fifty thousand mortgage at two percent,

1614
01:29:17.359 --> 01:29:19.239
<v Speaker 1>you don't want to get rid of that rate, Well

1615
01:29:19.359 --> 01:29:22.800
<v Speaker 1>they can actually now you can do a second mortgage

1616
01:29:22.840 --> 01:29:25.720
<v Speaker 1>reverse mortgage second. That could pay off all your credit

1617
01:29:25.720 --> 01:29:28.399
<v Speaker 1>card debts and all that debts, and that'll go up

1618
01:29:28.399 --> 01:29:32.039
<v Speaker 1>to about forty five fifty loan to value on something

1619
01:29:32.119 --> 01:29:34.920
<v Speaker 1>like that. But so those are some of the wow.

1620
01:29:36.039 --> 01:29:38.840
<v Speaker 1>The other products is both people don't have to be

1621
01:29:39.159 --> 01:29:42.760
<v Speaker 1>sixty two anymore. You do work off the younger bars

1622
01:29:42.880 --> 01:29:46.760
<v Speaker 1>age as far as doing the calculations for the money out.

1623
01:29:46.800 --> 01:29:49.439
<v Speaker 1>But so yeah, there's a lot a lot of openings

1624
01:29:49.479 --> 01:29:52.680
<v Speaker 1>as far as that goes, as far as the age limits.

1625
01:29:52.800 --> 01:29:57.720
<v Speaker 2>So in this couple, let's say one of them's eighty six,

1626
01:29:57.840 --> 01:30:00.640
<v Speaker 2>one of them is eighty two, they get the verse loan.

1627
01:30:01.039 --> 01:30:03.560
<v Speaker 2>Do you get it in both names so the other

1628
01:30:03.600 --> 01:30:05.239
<v Speaker 2>one doesn't have to be displaced?

1629
01:30:06.800 --> 01:30:10.199
<v Speaker 17>Yeah, well you no matter what, if they're living in

1630
01:30:10.239 --> 01:30:11.680
<v Speaker 17>the house, they have to be.

1631
01:30:12.159 --> 01:30:15.000
<v Speaker 1>You have to to put that up there, and yes

1632
01:30:15.039 --> 01:30:18.520
<v Speaker 1>you can't. You still can't take a spouse off. So

1633
01:30:18.600 --> 01:30:20.600
<v Speaker 1>you can take her you know, she can be what

1634
01:30:20.640 --> 01:30:21.239
<v Speaker 1>they call them.

1635
01:30:21.159 --> 01:30:24.960
<v Speaker 2>Not okay, so she was. So so if you're if

1636
01:30:25.000 --> 01:30:28.800
<v Speaker 2>you're an older guy, if you're an older guy and

1637
01:30:28.840 --> 01:30:31.640
<v Speaker 2>you're living with a younger woman, you can't get a

1638
01:30:31.680 --> 01:30:34.600
<v Speaker 2>reverse loan if she does not qualify.

1639
01:30:36.239 --> 01:30:40.119
<v Speaker 1>Well, right, but she most likely they qualified at pretty

1640
01:30:40.119 --> 01:30:42.119
<v Speaker 1>young age, but I mean thirty nine. But then they're

1641
01:30:42.119 --> 01:30:44.359
<v Speaker 1>gonna limit to what you have. But you know, if

1642
01:30:44.399 --> 01:30:46.920
<v Speaker 1>you're seventy five and you have a spouse that's forty

1643
01:30:46.920 --> 01:30:49.399
<v Speaker 1>five and you got a million dollar house, yeah, they're

1644
01:30:49.399 --> 01:30:51.680
<v Speaker 1>gonna still give you a reverse and she's gonna still

1645
01:30:51.720 --> 01:30:55.439
<v Speaker 1>be protected because it's gonna be based off of her age.

1646
01:30:55.960 --> 01:30:57.039
<v Speaker 1>The money is that they give.

1647
01:30:57.279 --> 01:31:01.560
<v Speaker 2>Okay, but it would severely limit the amount of money

1648
01:31:01.600 --> 01:31:04.159
<v Speaker 2>you can get because of the younger spouse.

1649
01:31:05.159 --> 01:31:07.239
<v Speaker 1>That is correct, So when.

1650
01:31:07.039 --> 01:31:09.920
<v Speaker 2>The older So so let me get this straight. If

1651
01:31:10.159 --> 01:31:12.920
<v Speaker 2>if an older spouse and a younger spouse they get

1652
01:31:12.960 --> 01:31:16.199
<v Speaker 2>alone and they have it the loan, and the older

1653
01:31:16.239 --> 01:31:20.479
<v Speaker 2>spouse dies, the younger spouse can still live there and

1654
01:31:20.479 --> 01:31:22.840
<v Speaker 2>and still continue.

1655
01:31:23.119 --> 01:31:26.479
<v Speaker 1>Yep, and that's big. Okay they made Yeah. Yeah, and

1656
01:31:26.560 --> 01:31:29.359
<v Speaker 1>they won't let if you're married, like, they won't let

1657
01:31:29.399 --> 01:31:32.199
<v Speaker 1>you only do the loan under your name if you're married.

1658
01:31:32.600 --> 01:31:34.960
<v Speaker 1>That's okay, gotcha, can't do that.

1659
01:31:35.279 --> 01:31:40.000
<v Speaker 2>Yeah, what about living? You know, nowadays people people are

1660
01:31:40.079 --> 01:31:43.800
<v Speaker 2>really creative. What about living in the same household? Does

1661
01:31:43.840 --> 01:31:44.880
<v Speaker 2>that count?

1662
01:31:45.920 --> 01:31:46.039
<v Speaker 11>Uh?

1663
01:31:46.479 --> 01:31:47.199
<v Speaker 10>What we do.

1664
01:31:47.159 --> 01:31:50.000
<v Speaker 1>About that is, if they're not married, we do a

1665
01:31:50.039 --> 01:31:53.000
<v Speaker 1>calculation on how many people live in that household, and

1666
01:31:53.039 --> 01:31:55.800
<v Speaker 1>then you have to have some residual income to qualify

1667
01:31:55.880 --> 01:31:59.920
<v Speaker 1>for that, so more people, you know, typically reverses. You

1668
01:32:00.039 --> 01:32:02.119
<v Speaker 1>don't have to show a lot of income. Social Security

1669
01:32:02.239 --> 01:32:06.039
<v Speaker 1>will work. But if you have like you know, you know,

1670
01:32:06.479 --> 01:32:10.680
<v Speaker 1>a cousin or aunt and sister, they do a calculation

1671
01:32:10.800 --> 01:32:13.880
<v Speaker 1>on how much residual income you have to have, so

1672
01:32:13.920 --> 01:32:16.319
<v Speaker 1>you couldn't do a no income loan leftover?

1673
01:32:16.600 --> 01:32:20.199
<v Speaker 2>What about grandparents? What about grandparents that might have a

1674
01:32:20.359 --> 01:32:24.000
<v Speaker 2>minor or might have a young dependent.

1675
01:32:25.680 --> 01:32:30.079
<v Speaker 1>You know, they can't protect that dependent as far as

1676
01:32:30.079 --> 01:32:33.319
<v Speaker 1>the long as they can live on that. But it

1677
01:32:33.560 --> 01:32:37.239
<v Speaker 1>just really what it does is it takes into effect

1678
01:32:37.279 --> 01:32:40.239
<v Speaker 1>of how much they'd have to show in residual income

1679
01:32:40.359 --> 01:32:40.920
<v Speaker 1>every month.

1680
01:32:42.000 --> 01:32:45.199
<v Speaker 2>But but then when the normally though.

1681
01:32:45.479 --> 01:32:48.680
<v Speaker 1>So when the parents passed away, they would give that

1682
01:32:48.760 --> 01:32:52.319
<v Speaker 1>person basically a year to either refinance or sell the

1683
01:32:52.319 --> 01:32:54.199
<v Speaker 1>house to pay that up rivers.

1684
01:32:53.920 --> 01:32:58.640
<v Speaker 2>Morphine, okay, all right, Now, on a normal circumstance though

1685
01:32:58.680 --> 01:33:03.000
<v Speaker 2>with a reverse loan, if if they want to leave

1686
01:33:03.560 --> 01:33:06.640
<v Speaker 2>or they want to sell, it's like any other sale.

1687
01:33:07.119 --> 01:33:11.560
<v Speaker 2>It's like any other moving. You pay off the loan, correct.

1688
01:33:11.359 --> 01:33:13.880
<v Speaker 1>Yeah, just just like a regular mortgage. You got, you

1689
01:33:13.880 --> 01:33:15.800
<v Speaker 1>know what your b house do and then you keep

1690
01:33:15.920 --> 01:33:18.640
<v Speaker 1>all the equity in it. And that's what people forget.

1691
01:33:18.640 --> 01:33:21.840
<v Speaker 2>And if for some reason, if for some reason the

1692
01:33:21.880 --> 01:33:25.439
<v Speaker 2>house went down in value, then you would have you

1693
01:33:25.479 --> 01:33:27.079
<v Speaker 2>can just walk away, is that right.

1694
01:33:28.119 --> 01:33:31.479
<v Speaker 1>It's non recourse, which is nice. Yeah, it's non recourse.

1695
01:33:31.520 --> 01:33:34.399
<v Speaker 1>So theirs, whoever they left the house to, can always

1696
01:33:34.439 --> 01:33:38.359
<v Speaker 1>walk away. And now they also always offer the house

1697
01:33:38.359 --> 01:33:42.239
<v Speaker 1>out a ninety value of what what is owed. If

1698
01:33:42.239 --> 01:33:44.840
<v Speaker 1>they want to buy it, you know, buy it out,

1699
01:33:45.119 --> 01:33:47.439
<v Speaker 1>they own house, that's what they want to do. Whatever.

1700
01:33:47.439 --> 01:33:51.239
<v Speaker 2>That's really good in the house. Yeah yeah, okay, real

1701
01:33:51.319 --> 01:33:53.640
<v Speaker 2>quick here I had a text while we were talking.

1702
01:33:54.600 --> 01:33:57.520
<v Speaker 2>How would buying a home with a reverse loan work?

1703
01:33:57.560 --> 01:33:58.600
<v Speaker 2>How does that work?

1704
01:34:00.159 --> 01:34:02.720
<v Speaker 1>Be very very similar to the age but say say

1705
01:34:02.760 --> 01:34:06.359
<v Speaker 1>you're reversed and say you qualified for that're at like

1706
01:34:06.439 --> 01:34:09.119
<v Speaker 1>their age about eighty four. Well, there, you're going to

1707
01:34:09.199 --> 01:34:12.079
<v Speaker 1>have to put down about forty five percent of the

1708
01:34:12.079 --> 01:34:14.039
<v Speaker 1>purchase price and then you can get a loan for

1709
01:34:14.159 --> 01:34:17.600
<v Speaker 1>the additional fifty five percent and then works just like

1710
01:34:17.640 --> 01:34:20.000
<v Speaker 1>a reverse you never have a mortgage payment. So like

1711
01:34:20.039 --> 01:34:22.239
<v Speaker 1>if you're sixty five and you want to do this

1712
01:34:22.279 --> 01:34:25.039
<v Speaker 1>with a reverse mortgage, you'd have to probably put down

1713
01:34:25.159 --> 01:34:27.840
<v Speaker 1>sixty percent of the value of the house. So you know,

1714
01:34:27.840 --> 01:34:29.439
<v Speaker 1>if you have a hundred thousand, you know you have,

1715
01:34:29.640 --> 01:34:32.319
<v Speaker 1>and then you get a loan for the for the

1716
01:34:32.359 --> 01:34:35.359
<v Speaker 1>forty percent. Yeah, well, thank.

1717
01:34:35.199 --> 01:34:40.399
<v Speaker 2>You very much. I really appreciate this, John, and it's

1718
01:34:40.399 --> 01:34:44.600
<v Speaker 2>a partner in lending. Thank you, bro, thank you Partner

1719
01:34:44.720 --> 01:34:53.279
<v Speaker 2>in lending dot com. Hi Tom Martinez you're troubleshooter. Three

1720
01:34:53.319 --> 01:34:55.840
<v Speaker 2>oh three seven one three talk seven one three eight

1721
01:34:55.880 --> 01:34:58.399
<v Speaker 2>two five five. This is odd. We have two problems

1722
01:34:58.439 --> 01:35:01.680
<v Speaker 2>back to back with garage doors. Let's go to Ken first, Kent,

1723
01:35:02.119 --> 01:35:04.680
<v Speaker 2>talk to me about your garage door issue. What's going

1724
01:35:04.720 --> 01:35:05.199
<v Speaker 2>on with you.

1725
01:35:07.399 --> 01:35:09.640
<v Speaker 9>I take care of a house for my brother in

1726
01:35:09.720 --> 01:35:15.760
<v Speaker 9>law and Fort Collins. He lives in Tucson on I

1727
01:35:16.000 --> 01:35:24.960
<v Speaker 9>requested an a price to replace the garage door which

1728
01:35:25.039 --> 01:35:30.720
<v Speaker 9>was damaged by a tenant, and called Front Range Rainer

1729
01:35:31.159 --> 01:35:38.600
<v Speaker 9>and requested it. They shot me back a price, and then.

1730
01:35:38.600 --> 01:35:40.399
<v Speaker 2>Did you need to replace the whole door?

1731
01:35:42.239 --> 01:35:48.840
<v Speaker 9>No, just two or three panels, But at some point

1732
01:35:49.199 --> 01:35:53.039
<v Speaker 9>if it's three panels or more, they just say, you know,

1733
01:35:53.119 --> 01:35:58.720
<v Speaker 9>it's better to just replace the whole door. But they

1734
01:35:58.800 --> 01:36:04.039
<v Speaker 9>thought two panels would probably do it. But I ended

1735
01:36:04.119 --> 01:36:07.720
<v Speaker 9>up getting a bill for one hundred and sixty six

1736
01:36:07.920 --> 01:36:14.199
<v Speaker 9>forty one for adjustments that they made while they were

1737
01:36:14.239 --> 01:36:19.560
<v Speaker 9>there lubrication, they adjusted springs and stuff like that which

1738
01:36:19.640 --> 01:36:22.199
<v Speaker 9>I did not request.

1739
01:36:24.439 --> 01:36:26.800
<v Speaker 2>Okay, let me ask you a couple of questions. This

1740
01:36:26.840 --> 01:36:30.760
<v Speaker 2>is very interesting. What did you request? What brought them

1741
01:36:30.800 --> 01:36:31.560
<v Speaker 2>out to your home?

1742
01:36:33.640 --> 01:36:40.279
<v Speaker 9>I needed a price to replace or repair the garage door.

1743
01:36:41.840 --> 01:36:45.039
<v Speaker 2>And when you did you? Did you do this online

1744
01:36:45.119 --> 01:36:48.840
<v Speaker 2>or by did you do this online or by the phone?

1745
01:36:49.119 --> 01:36:50.760
<v Speaker 1>By phone?

1746
01:36:51.800 --> 01:36:55.840
<v Speaker 2>And I think what happened was and I know a

1747
01:36:55.880 --> 01:36:59.640
<v Speaker 2>lot of places had this, including one Clear Choice Garage Doors,

1748
01:36:59.680 --> 01:37:03.560
<v Speaker 2>which I love, They're my go to company, but they

1749
01:37:03.640 --> 01:37:07.920
<v Speaker 2>have I don't think one Clear Choice Doors goes out

1750
01:37:07.920 --> 01:37:11.680
<v Speaker 2>to a home to check out doors free. I think

1751
01:37:11.680 --> 01:37:16.119
<v Speaker 2>they have an inspection fee and included in that is

1752
01:37:16.159 --> 01:37:19.560
<v Speaker 2>adjustments and lubrication and all of that. Now, if you

1753
01:37:19.600 --> 01:37:21.800
<v Speaker 2>want a new door, maybe they go out and look.

1754
01:37:21.880 --> 01:37:24.840
<v Speaker 2>I don't know. I really don't know this, but I

1755
01:37:24.880 --> 01:37:28.319
<v Speaker 2>think what happened is you probably called and they put

1756
01:37:28.359 --> 01:37:32.560
<v Speaker 2>you down for their basic maintenance. That's probably what happened.

1757
01:37:32.920 --> 01:37:37.319
<v Speaker 2>But do they have normally they record these calls. Did

1758
01:37:37.359 --> 01:37:40.520
<v Speaker 2>you call them and say, look, I never requested the service.

1759
01:37:42.079 --> 01:37:48.520
<v Speaker 9>Yes, I've I've contacted them twice and they said that

1760
01:37:48.880 --> 01:37:53.840
<v Speaker 9>I requested service. And I said, okay, do they have

1761
01:37:53.880 --> 01:37:59.520
<v Speaker 9>the ti it? No, they do not record the calls.

1762
01:37:59.560 --> 01:38:05.600
<v Speaker 2>She said, but why Well, you're right, why would you

1763
01:38:05.640 --> 01:38:08.119
<v Speaker 2>call if you're thinking about replacing it? Why would you

1764
01:38:08.159 --> 01:38:09.119
<v Speaker 2>call for a service?

1765
01:38:10.520 --> 01:38:15.239
<v Speaker 9>Exactly? That's what I asked her, and she had no

1766
01:38:15.239 --> 01:38:16.039
<v Speaker 9>no response.

1767
01:38:16.600 --> 01:38:18.840
<v Speaker 2>By the way, let me ask you something, how is

1768
01:38:18.880 --> 01:38:20.920
<v Speaker 2>the door operating now that they did that?

1769
01:38:23.199 --> 01:38:26.840
<v Speaker 9>The door has always been fine.

1770
01:38:27.000 --> 01:38:27.920
<v Speaker 1>I mean I didn't.

1771
01:38:29.239 --> 01:38:32.640
<v Speaker 9>Yeah, and the and the damage to the front of

1772
01:38:32.840 --> 01:38:35.439
<v Speaker 9>the damage to the door was just cosmetic.

1773
01:38:35.720 --> 01:38:38.159
<v Speaker 1>It was just you know, minor.

1774
01:38:39.000 --> 01:38:41.760
<v Speaker 2>So you don't notice it. You don't notice the door

1775
01:38:41.840 --> 01:38:49.279
<v Speaker 2>operating any better now than before. No, you know, I

1776
01:38:49.319 --> 01:38:51.840
<v Speaker 2>wouldn't pay it. If I didn't request a service, I

1777
01:38:51.840 --> 01:38:54.159
<v Speaker 2>wouldn't pay it. I would make them prove that I

1778
01:38:54.399 --> 01:38:57.000
<v Speaker 2>I asked for it. The problem is, it's going to

1779
01:38:57.039 --> 01:38:59.439
<v Speaker 2>get a little messy, don't you think, Mark, I think

1780
01:38:59.479 --> 01:39:01.239
<v Speaker 2>that they're going to to do a lean or something.

1781
01:39:01.680 --> 01:39:05.800
<v Speaker 2>It could get what was the name of the company, Rainer,

1782
01:39:05.840 --> 01:39:12.560
<v Speaker 2>I believe you said, right, Rainer. Yeah, Okay, hold on

1783
01:39:12.640 --> 01:39:15.319
<v Speaker 2>a second. Let's give them a call and let's see

1784
01:39:15.319 --> 01:39:17.920
<v Speaker 2>if we can get their comment on this. One of

1785
01:39:17.960 --> 01:39:20.319
<v Speaker 2>the deputies, their deputy Dollar. Let's give them a call.

1786
01:39:20.520 --> 01:39:22.399
<v Speaker 2>I'm Tom Martino. We have more coming up on the

1787
01:39:22.399 --> 01:39:26.279
<v Speaker 2>Troubleshooter Show. Stay tuned for problems, questions and complaints.

1788
01:39:34.600 --> 01:39:43.439
<v Speaker 4>Rip need that you don't have to running just as

1789
01:39:44.079 --> 01:39:48.439
<v Speaker 4>the can, No Shooter's gonna help coming man.

1790
01:39:49.319 --> 01:39:53.479
<v Speaker 5>This is the Troubleshooter Show. No Tom Martino.

1791
01:39:54.800 --> 01:39:57.560
<v Speaker 2>Hi, I'm Tom Martino. Welcome to the show. We are

1792
01:39:57.720 --> 01:40:00.800
<v Speaker 2>kicking butt here trying to solve your problem. To answer questions,

1793
01:40:00.840 --> 01:40:04.720
<v Speaker 2>Jay complaints. Abraham wants to talk about something that sounds

1794
01:40:04.720 --> 01:40:09.840
<v Speaker 2>pretty sad, a dog being shot by police. Abraham, what's

1795
01:40:09.880 --> 01:40:10.680
<v Speaker 2>going on with you?

1796
01:40:12.840 --> 01:40:14.399
<v Speaker 3>I'm I'm in my house right know, and I was

1797
01:40:14.439 --> 01:40:17.479
<v Speaker 3>getting some papers and a detector came through my door

1798
01:40:17.600 --> 01:40:19.399
<v Speaker 3>to my gate while I was locked, and he shot

1799
01:40:19.439 --> 01:40:20.960
<v Speaker 3>my dogs four times.

1800
01:40:22.600 --> 01:40:26.600
<v Speaker 2>What why was he coming to your house? Did he

1801
01:40:26.680 --> 01:40:27.319
<v Speaker 2>have a warrant?

1802
01:40:27.399 --> 01:40:29.960
<v Speaker 3>He was serving my wife and papers. No, no warrant,

1803
01:40:29.960 --> 01:40:33.319
<v Speaker 3>no nothing, just some papers, serve my wife and I

1804
01:40:33.359 --> 01:40:33.800
<v Speaker 3>have a gate.

1805
01:40:33.920 --> 01:40:36.760
<v Speaker 2>Now what was he serving? What was he serving your wife? Abe?

1806
01:40:37.399 --> 01:40:39.920
<v Speaker 2>What was he serving? Was this a sheriff's depity?

1807
01:40:40.159 --> 01:40:43.520
<v Speaker 3>We didn't get that he was a I don't know

1808
01:40:43.680 --> 01:40:46.159
<v Speaker 3>if he's had a badge on him, but we didn't

1809
01:40:46.159 --> 01:40:47.479
<v Speaker 3>get that far because he shot the dog.

1810
01:40:48.279 --> 01:40:51.000
<v Speaker 2>It was probably exactly that time he was just getting

1811
01:40:51.039 --> 01:40:51.640
<v Speaker 2>served or.

1812
01:40:51.600 --> 01:40:55.279
<v Speaker 3>She was yes, yes, yep it And there's no right

1813
01:40:55.359 --> 01:40:57.039
<v Speaker 3>and he should knocked on the side of my house.

1814
01:40:57.039 --> 01:40:58.680
<v Speaker 3>He should never have came to that front gate. That's

1815
01:40:58.680 --> 01:40:59.159
<v Speaker 3>why I have a.

1816
01:40:59.199 --> 01:40:59.640
<v Speaker 1>Lock on it.

1817
01:41:01.159 --> 01:41:04.359
<v Speaker 7>And you have a siuriosity? Do you have like a

1818
01:41:04.439 --> 01:41:06.720
<v Speaker 7>ring doorbell? Did anything capture all this?

1819
01:41:08.439 --> 01:41:09.000
<v Speaker 1>No?

1820
01:41:09.000 --> 01:41:09.439
<v Speaker 3>No?

1821
01:41:09.439 --> 01:41:09.680
<v Speaker 1>No?

1822
01:41:10.600 --> 01:41:12.960
<v Speaker 3>What the front door didn't I? And he opened the

1823
01:41:13.000 --> 01:41:15.079
<v Speaker 3>streen door. When over the screen door, the dog took.

1824
01:41:14.880 --> 01:41:15.520
<v Speaker 1>Off after him.

1825
01:41:18.680 --> 01:41:20.399
<v Speaker 3>You should never have went through that game, okay.

1826
01:41:21.319 --> 01:41:24.079
<v Speaker 2>And when the dog, when the dog went after him,

1827
01:41:24.359 --> 01:41:25.680
<v Speaker 2>what kind of dog is it?

1828
01:41:27.560 --> 01:41:32.520
<v Speaker 3>He's a massive mixed We read the rescue.

1829
01:41:33.760 --> 01:41:38.239
<v Speaker 2>So was this a sheriff's deputy or a prop abe?

1830
01:41:38.319 --> 01:41:40.720
<v Speaker 2>I need to know? Was this a sheriff's deputy? Do

1831
01:41:40.760 --> 01:41:41.119
<v Speaker 2>you know.

1832
01:41:43.000 --> 01:41:44.520
<v Speaker 3>He's a detective?

1833
01:41:47.680 --> 01:41:52.560
<v Speaker 2>What was he delivering to your What was he delivering

1834
01:41:52.600 --> 01:41:53.239
<v Speaker 2>to your wife?

1835
01:41:54.760 --> 01:41:56.560
<v Speaker 3>We don't We didn't get that far. Obviously, there's no

1836
01:41:56.640 --> 01:41:58.800
<v Speaker 3>jail sto ideals probably like child support stuff.

1837
01:42:00.840 --> 01:42:05.960
<v Speaker 7>That has to be a sheriff serving him.

1838
01:42:06.119 --> 01:42:09.399
<v Speaker 2>And he pulled out a gun jail or nothing like that.

1839
01:42:09.880 --> 01:42:12.199
<v Speaker 3>He pulled out the gun times.

1840
01:42:13.840 --> 01:42:16.800
<v Speaker 2>Okay when he shot the dog. Did you talk to

1841
01:42:16.840 --> 01:42:17.640
<v Speaker 2>the guy after that?

1842
01:42:19.039 --> 01:42:22.239
<v Speaker 1>I went off on him. I went off on him.

1843
01:42:22.479 --> 01:42:24.479
<v Speaker 2>And what did he say to you?

1844
01:42:26.039 --> 01:42:28.199
<v Speaker 3>Nothing? He didn't say nothing, got back in the truck

1845
01:42:28.239 --> 01:42:28.920
<v Speaker 3>and locked his door.

1846
01:42:30.640 --> 01:42:31.800
<v Speaker 2>Did you call the cops.

1847
01:42:33.279 --> 01:42:35.720
<v Speaker 3>Everybody's here. The cops are here. Everybody's here. They did

1848
01:42:36.159 --> 01:42:38.159
<v Speaker 3>a crime scene everything, and everybody's here.

1849
01:42:38.720 --> 01:42:40.600
<v Speaker 2>Are they there right now? They are?

1850
01:42:41.520 --> 01:42:41.760
<v Speaker 1>Yes?

1851
01:42:43.920 --> 01:42:45.680
<v Speaker 2>Okay, what are they saying? Happened?

1852
01:42:45.720 --> 01:42:46.159
<v Speaker 1>Detected?

1853
01:42:49.640 --> 01:42:51.359
<v Speaker 3>He came to sir, He went, he went to the

1854
01:42:51.439 --> 01:42:53.680
<v Speaker 3>front door of that front gate, and the dog came out,

1855
01:42:53.680 --> 01:42:54.279
<v Speaker 3>and he shot.

1856
01:42:54.079 --> 01:42:54.520
<v Speaker 1>The dog out.

1857
01:42:54.560 --> 01:42:56.159
<v Speaker 2>That's right, I get it, Tom.

1858
01:42:56.159 --> 01:42:58.199
<v Speaker 7>Basically, the guy came, he's got a gate in the

1859
01:42:58.239 --> 01:43:01.119
<v Speaker 7>front yard. The guy came to through the gate. He

1860
01:43:01.159 --> 01:43:03.640
<v Speaker 7>goes to his door. The dog runs out through the

1861
01:43:03.640 --> 01:43:06.319
<v Speaker 7>front door like it was going to attack the guy,

1862
01:43:06.359 --> 01:43:07.239
<v Speaker 7>and the guy shot it.

1863
01:43:07.279 --> 01:43:08.800
<v Speaker 2>I mean, that's what happened.

1864
01:43:10.239 --> 01:43:11.039
<v Speaker 9>Four times.

1865
01:43:11.199 --> 01:43:13.000
<v Speaker 3>Four times. And while there's kids in the house. I

1866
01:43:13.000 --> 01:43:15.239
<v Speaker 3>got five kids in that house. The neighbors have kids.

1867
01:43:15.279 --> 01:43:17.880
<v Speaker 3>My other neighbors have kids. He wasn't even thinking where

1868
01:43:17.920 --> 01:43:18.960
<v Speaker 3>for those shots really go.

1869
01:43:22.079 --> 01:43:24.760
<v Speaker 2>So the dog came. When you opened the screen door,

1870
01:43:25.800 --> 01:43:27.960
<v Speaker 2>did you want the dog to go out and bark

1871
01:43:28.000 --> 01:43:28.359
<v Speaker 2>at him?

1872
01:43:28.479 --> 01:43:30.800
<v Speaker 13>He he we were in the house.

1873
01:43:30.840 --> 01:43:33.000
<v Speaker 3>He opened that screen door. My front door was open.

1874
01:43:33.119 --> 01:43:35.319
<v Speaker 3>He opened the screen door and said hello, and the

1875
01:43:35.359 --> 01:43:37.800
<v Speaker 3>dog came out and ran after him. When he said hello,

1876
01:43:37.920 --> 01:43:40.720
<v Speaker 3>the dog heard me came running from the room. He

1877
01:43:40.760 --> 01:43:43.000
<v Speaker 3>opened the front he opened the screen door.

1878
01:43:43.680 --> 01:43:48.079
<v Speaker 2>I did, Actually, did you tell way Man that's wrong?

1879
01:43:48.159 --> 01:43:52.199
<v Speaker 2>Did you tell the police that he opened your screen door? Yes?

1880
01:43:52.319 --> 01:43:53.840
<v Speaker 3>I told him. They don't want to grieve me because

1881
01:43:53.840 --> 01:43:55.880
<v Speaker 3>they know he's in the wrong. They're just they're just

1882
01:43:55.920 --> 01:43:58.119
<v Speaker 3>they're just staring at me like I'm stupid. I know

1883
01:43:58.680 --> 01:44:00.119
<v Speaker 3>they know he's in the wrong, and they don't want

1884
01:44:00.159 --> 01:44:03.640
<v Speaker 3>to admit it. They know he's in the wrong. I

1885
01:44:03.640 --> 01:44:05.399
<v Speaker 3>told him, you know, you guys know he's in the wrong,

1886
01:44:05.439 --> 01:44:06.960
<v Speaker 3>and they just stay there stating me because they don't

1887
01:44:06.960 --> 01:44:08.319
<v Speaker 3>want to make that's one of their own. They're not

1888
01:44:08.520 --> 01:44:09.560
<v Speaker 3>they're not gonna go against their brother.

1889
01:44:10.239 --> 01:44:13.520
<v Speaker 2>I bet he was door to throw the papers in.

1890
01:44:15.760 --> 01:44:18.760
<v Speaker 3>Pretty probably probably, But he should never have went. My

1891
01:44:18.920 --> 01:44:20.600
<v Speaker 3>front gate is blocked, and that's why we have that

1892
01:44:20.680 --> 01:44:22.399
<v Speaker 3>lock on it. They told us keep that keep a

1893
01:44:22.479 --> 01:44:24.720
<v Speaker 3>lock on that front gate so the dog stays behind

1894
01:44:24.720 --> 01:44:26.760
<v Speaker 3>that fence. And we did as we were asked, and

1895
01:44:26.840 --> 01:44:28.319
<v Speaker 3>he went to that front gate. He should knock on

1896
01:44:28.399 --> 01:44:29.720
<v Speaker 3>the side of the house. He should never have went

1897
01:44:29.760 --> 01:44:31.800
<v Speaker 3>on that porch and opened that gate and went to

1898
01:44:31.840 --> 01:44:35.720
<v Speaker 3>that door, knowing what there's there's there's no there's no

1899
01:44:35.760 --> 01:44:37.399
<v Speaker 3>expending that isn't that all?

1900
01:44:38.800 --> 01:44:39.399
<v Speaker 1>Hey? Abe?

1901
01:44:40.079 --> 01:44:42.159
<v Speaker 2>Can may I ask what would your dog have done

1902
01:44:42.199 --> 01:44:44.840
<v Speaker 2>if he didn't have a gun? Would your dog have

1903
01:44:44.880 --> 01:44:47.600
<v Speaker 2>attacked him?

1904
01:44:47.640 --> 01:44:47.840
<v Speaker 1>Well?

1905
01:44:48.119 --> 01:44:50.840
<v Speaker 3>Yeah, he's a family probably because he's in my house.

1906
01:44:50.880 --> 01:44:54.079
<v Speaker 3>He's down there with in my house, so he's protecting

1907
01:44:54.079 --> 01:44:56.079
<v Speaker 3>the house. And not like he was outside of my gate.

1908
01:44:56.119 --> 01:44:58.680
<v Speaker 3>He was on my porch in front of my door.

1909
01:44:58.800 --> 01:45:02.000
<v Speaker 2>No, I get it. No, I get exactly what you're saying.

1910
01:45:02.039 --> 01:45:07.119
<v Speaker 2>This is terrible. Now what police agency showed up to investigate?

1911
01:45:08.960 --> 01:45:09.439
<v Speaker 1>What? What's that?

1912
01:45:11.079 --> 01:45:16.800
<v Speaker 2>What police agency showed up to investigate? What police agency

1913
01:45:16.960 --> 01:45:17.600
<v Speaker 2>showed up?

1914
01:45:18.960 --> 01:45:19.520
<v Speaker 3>What do you mean?

1915
01:45:19.560 --> 01:45:22.359
<v Speaker 2>You don't know? Is it Denver police? Or say, Jeff,

1916
01:45:22.439 --> 01:45:23.479
<v Speaker 2>go who is it?

1917
01:45:23.800 --> 01:45:25.760
<v Speaker 13>I'm asking, I'm in Lafaiet what?

1918
01:45:25.760 --> 01:45:26.600
<v Speaker 3>What? What agency?

1919
01:45:26.640 --> 01:45:26.760
<v Speaker 1>Is he?

1920
01:45:28.840 --> 01:45:30.000
<v Speaker 2>The dog?

1921
01:45:30.680 --> 01:45:31.000
<v Speaker 1>All right?

1922
01:45:31.079 --> 01:45:31.159
<v Speaker 11>No?

1923
01:45:31.239 --> 01:45:35.119
<v Speaker 3>He is ATF's ATF Wow?

1924
01:45:35.479 --> 01:45:37.479
<v Speaker 2>At Wow? What do you talk?

1925
01:45:38.039 --> 01:45:39.039
<v Speaker 1>Yeah?

1926
01:45:39.079 --> 01:45:41.800
<v Speaker 2>Wait a minute. The person that came to your door

1927
01:45:41.840 --> 01:45:43.920
<v Speaker 2>to serve you as ATF.

1928
01:45:44.960 --> 01:45:48.039
<v Speaker 3>Yes, that's who it was. So they're saying that they

1929
01:45:48.119 --> 01:45:50.720
<v Speaker 3>said they want to talk to my wife because I

1930
01:45:50.720 --> 01:45:55.199
<v Speaker 3>think one of her firearms. Only that's what it's about now, okay,

1931
01:45:55.279 --> 01:45:58.039
<v Speaker 3>And she's legal to have them.

1932
01:45:58.520 --> 01:46:01.159
<v Speaker 2>Did your wife report her firearms stolen?

1933
01:46:03.279 --> 01:46:05.439
<v Speaker 3>No, because I don't think we had the serial numbers

1934
01:46:05.479 --> 01:46:07.760
<v Speaker 3>when it got stolen from the car.

1935
01:46:08.520 --> 01:46:09.920
<v Speaker 2>How did they trace back.

1936
01:46:10.159 --> 01:46:14.399
<v Speaker 3>Guys, because one time they had if it's the same one,

1937
01:46:14.479 --> 01:46:17.159
<v Speaker 3>they had a King Supers one time and they came,

1938
01:46:17.199 --> 01:46:19.279
<v Speaker 3>they seen it and they they probably has the same one.

1939
01:46:19.319 --> 01:46:21.279
<v Speaker 3>It has to be that only one that was on

1940
01:46:21.359 --> 01:46:22.600
<v Speaker 3>her one time at King super.

1941
01:46:22.439 --> 01:46:26.399
<v Speaker 2>So an ATF agent. It was an ATF agent that

1942
01:46:26.560 --> 01:46:30.479
<v Speaker 2>came onto your property to serve to serve your wife

1943
01:46:30.560 --> 01:46:37.800
<v Speaker 2>some papers. Yes, okay, what are the papers they wanted

1944
01:46:37.840 --> 01:46:39.279
<v Speaker 2>to serve her?

1945
01:46:40.000 --> 01:46:45.399
<v Speaker 3>We didn't get that far, sir. They're they're they're okay,

1946
01:46:46.439 --> 01:46:47.159
<v Speaker 3>this is wait.

1947
01:46:47.680 --> 01:46:50.119
<v Speaker 2>I got a question. Wait a second.

1948
01:46:50.520 --> 01:46:53.119
<v Speaker 7>You you mentioned that you were I know what you

1949
01:46:53.119 --> 01:46:54.199
<v Speaker 7>were studios to do.

1950
01:46:54.920 --> 01:46:55.760
<v Speaker 2>Well, hold on you.

1951
01:46:55.760 --> 01:46:58.720
<v Speaker 7>You mentioned doing what you were supposed to do, keeping

1952
01:46:58.760 --> 01:47:01.760
<v Speaker 7>the dog in the Hey, what happened prior.

1953
01:47:04.000 --> 01:47:06.000
<v Speaker 3>He went to that gate and that he had that

1954
01:47:06.119 --> 01:47:07.560
<v Speaker 3>We were asked to keep the dog in the gate

1955
01:47:07.600 --> 01:47:09.479
<v Speaker 3>in the yard, and that's what we did. And he

1956
01:47:09.520 --> 01:47:11.640
<v Speaker 3>should have never went to that gate, He said, knocked

1957
01:47:11.640 --> 01:47:12.880
<v Speaker 3>on the side of who.

1958
01:47:12.920 --> 01:47:16.560
<v Speaker 2>You're missing me? What Mark is asking? Who told you

1959
01:47:16.600 --> 01:47:19.159
<v Speaker 2>to who told you. You said you you were doing

1960
01:47:19.239 --> 01:47:20.159
<v Speaker 2>what you were supposed to.

1961
01:47:21.039 --> 01:47:24.039
<v Speaker 3>Our manager, our manager, even my man. And we're on

1962
01:47:24.079 --> 01:47:25.079
<v Speaker 3>private property too.

1963
01:47:25.680 --> 01:47:26.119
<v Speaker 2>Was there an.

1964
01:47:26.119 --> 01:47:29.039
<v Speaker 7>Issue before where the dog got out or something like that.

1965
01:47:29.600 --> 01:47:32.399
<v Speaker 3>No, no, no, no, he just said this always. We

1966
01:47:32.439 --> 01:47:33.760
<v Speaker 3>had him on a leash before, and he said just

1967
01:47:33.840 --> 01:47:34.640
<v Speaker 3>keep him in the yard.

1968
01:47:36.319 --> 01:47:38.199
<v Speaker 2>And that's your landlord.

1969
01:47:37.800 --> 01:47:38.920
<v Speaker 1>Knocking on him.

1970
01:47:39.279 --> 01:47:44.520
<v Speaker 2>Yes, okay, so Mark, the landlord told him to keep

1971
01:47:44.520 --> 01:47:49.159
<v Speaker 2>the dog confined. The dog was confined. This ATF agent

1972
01:47:49.279 --> 01:47:53.640
<v Speaker 2>came on to his property. Well, according to him, opened

1973
01:47:53.720 --> 01:47:59.199
<v Speaker 2>up his door. He walked up on your porch and

1974
01:47:59.239 --> 01:48:00.479
<v Speaker 2>opened your screen door.

1975
01:48:00.760 --> 01:48:01.039
<v Speaker 1>Yeah.

1976
01:48:01.119 --> 01:48:03.600
<v Speaker 2>Yeah, he walked up onto your porch and opened the

1977
01:48:03.600 --> 01:48:04.600
<v Speaker 2>screen door.

1978
01:48:05.199 --> 01:48:08.199
<v Speaker 3>Opened the screen door, and the and the front and

1979
01:48:08.319 --> 01:48:10.520
<v Speaker 3>the front door. My wife says, he opened the both door,

1980
01:48:10.560 --> 01:48:13.399
<v Speaker 3>the screen door and the front door. He opened both doors.

1981
01:48:13.159 --> 01:48:13.720
<v Speaker 1>Of my house.

1982
01:48:14.159 --> 01:48:17.239
<v Speaker 7>What what paperwork were they serving if it wasn't to

1983
01:48:17.279 --> 01:48:20.560
<v Speaker 7>do with child support and it's an ATF person, I mean,

1984
01:48:20.760 --> 01:48:22.920
<v Speaker 7>is it a warrant to search the property?

1985
01:48:24.720 --> 01:48:25.600
<v Speaker 3>No no, no.

1986
01:48:25.479 --> 01:48:26.520
<v Speaker 13>Not at all, nothing like that.

1987
01:48:26.600 --> 01:48:29.199
<v Speaker 3>No, because he came by hisself, Thank you, brother, thank you.

1988
01:48:29.199 --> 01:48:30.720
<v Speaker 3>No he is so it was nothing like that because

1989
01:48:30.760 --> 01:48:33.239
<v Speaker 3>he was by hisself. They didn't come no suited up

1990
01:48:33.279 --> 01:48:35.720
<v Speaker 3>and not that he was by hisself, so obviously it wasn't.

1991
01:48:35.560 --> 01:48:36.399
<v Speaker 1>Not that serious.

1992
01:48:37.560 --> 01:48:39.079
<v Speaker 2>Geez, it's so weird.

1993
01:48:39.439 --> 01:48:40.399
<v Speaker 3>Yeah, they did not come back.

1994
01:48:40.399 --> 01:48:43.000
<v Speaker 2>But your wife had your Your wife has no idea

1995
01:48:43.840 --> 01:48:47.880
<v Speaker 2>your wife has who's there now? The ATF agent is

1996
01:48:47.960 --> 01:48:52.159
<v Speaker 2>being investigated. Who's investigating it? Is it Adams County? I

1997
01:48:52.159 --> 01:48:53.520
<v Speaker 2>don't know if that's Adams County?

1998
01:48:53.640 --> 01:49:01.239
<v Speaker 3>Yeah, Lafiett, Boulder County so yeah, okay, at Border County?

1999
01:49:01.319 --> 01:49:04.439
<v Speaker 2>So is Boulder is Boulder Sheriff Department?

2000
01:49:04.479 --> 01:49:11.119
<v Speaker 3>There, No, it's just Lafayette and Lafayete detective.

2001
01:49:11.119 --> 01:49:12.800
<v Speaker 2>Does Lafayette have a police department?

2002
01:49:16.479 --> 01:49:17.039
<v Speaker 1>Yeah, they do.

2003
01:49:18.640 --> 01:49:21.760
<v Speaker 2>Did they interview you, Yeah.

2004
01:49:21.880 --> 01:49:24.960
<v Speaker 3>They talked to him. They talked to every that they interviewed.

2005
01:49:25.039 --> 01:49:27.840
<v Speaker 3>My neighbors, everybody, and even the neighbors seen him go

2006
01:49:27.960 --> 01:49:30.119
<v Speaker 3>up on the porch and go to that gate.

2007
01:49:32.800 --> 01:49:35.600
<v Speaker 2>That's wrong, man. Did anyone get it on tape?

2008
01:49:35.840 --> 01:49:36.079
<v Speaker 1>Never?

2009
01:49:37.760 --> 01:49:40.640
<v Speaker 3>No, No, there's nothing on tape at all.

2010
01:49:40.680 --> 01:49:41.840
<v Speaker 1>I just it's not Are.

2011
01:49:41.720 --> 01:49:45.279
<v Speaker 2>They still are they still on your property? Are they

2012
01:49:45.319 --> 01:49:46.880
<v Speaker 2>still on your property right now?

2013
01:49:47.119 --> 01:49:47.279
<v Speaker 1>Yes?

2014
01:49:48.199 --> 01:49:50.239
<v Speaker 3>Yes, he may decided to just picked my dog up

2015
01:49:50.399 --> 01:49:53.520
<v Speaker 3>and took him.

2016
01:49:53.720 --> 01:49:54.840
<v Speaker 2>They took the dead dog.

2017
01:49:56.600 --> 01:50:01.840
<v Speaker 3>Yes, he made society just took him.

2018
01:50:01.920 --> 01:50:04.319
<v Speaker 2>Man, this is weird. Mark, What do you do with

2019
01:50:04.359 --> 01:50:08.560
<v Speaker 2>something like this? I would hope the investigation. Hey, shop

2020
01:50:08.680 --> 01:50:11.319
<v Speaker 2>and I tend to agree, Shopper, Can you call aafia

2021
01:50:11.479 --> 01:50:16.720
<v Speaker 2>to see if we can get a statement? Than can

2022
01:50:16.720 --> 01:50:18.840
<v Speaker 2>you call Afia police department to see if they can

2023
01:50:18.880 --> 01:50:20.880
<v Speaker 2>give a statement of any kind? Sure?

2024
01:50:21.680 --> 01:50:24.560
<v Speaker 7>I wonder if you know someone's from Lafayette right now?

2025
01:50:24.600 --> 01:50:26.079
<v Speaker 7>I wonder if we could get them.

2026
01:50:25.920 --> 01:50:31.159
<v Speaker 3>On they're not gonna go, let's find out. Want to

2027
01:50:31.159 --> 01:50:31.840
<v Speaker 3>talk to one of them.

2028
01:50:32.079 --> 01:50:34.680
<v Speaker 2>We're not telling anybody to go against anybody. We just

2029
01:50:34.760 --> 01:50:37.039
<v Speaker 2>we would loan to talk to one of them.

2030
01:50:37.359 --> 01:50:38.000
<v Speaker 1>Let me see it.

2031
01:50:38.479 --> 01:50:41.319
<v Speaker 2>Yeah, give a second, but hold on, hold on, hold on,

2032
01:50:41.399 --> 01:50:44.560
<v Speaker 2>don't do it until we take this break. Wait, just

2033
01:50:44.640 --> 01:50:47.279
<v Speaker 2>wait one second. I want to do it after this break.

2034
01:50:47.319 --> 01:50:49.800
<v Speaker 2>I gotta take this break. I'm Tom Martine three oh

2035
01:50:49.840 --> 01:50:51.760
<v Speaker 2>three seven on three eight two five five. Frank Rand

2036
01:50:51.800 --> 01:50:53.640
<v Speaker 2>the real estate man will do a market valuation of

2037
01:50:53.720 --> 01:50:55.279
<v Speaker 2>your home to tell you what it will sell for.

2038
01:50:55.640 --> 01:50:58.079
<v Speaker 2>Call them, ask them what will my house sell for?

2039
01:50:58.399 --> 01:51:01.520
<v Speaker 2>It's free, it's complimentary. He will give it to you

2040
01:51:01.720 --> 01:51:04.800
<v Speaker 2>in order for you to have knowledge without any obligation.

2041
01:51:04.920 --> 01:51:11.760
<v Speaker 2>Three oh three nine two zero sixteen twenty two fix

2042
01:51:11.800 --> 01:51:14.600
<v Speaker 2>It twenty four to seven free second opinions. Don't forget.

2043
01:51:14.760 --> 01:51:17.600
<v Speaker 2>If you're told you need an AC or anything major

2044
01:51:17.680 --> 01:51:19.520
<v Speaker 2>like a water heater, they will come out to your

2045
01:51:19.520 --> 01:51:22.720
<v Speaker 2>home and do a free second opinion. Fixmihome dot com

2046
01:51:22.720 --> 01:51:25.479
<v Speaker 2>book now for a free second opinion or thirty nine

2047
01:51:25.520 --> 01:51:28.960
<v Speaker 2>dollars AC clean check in tune thirty nine bucks for

2048
01:51:29.039 --> 01:51:32.640
<v Speaker 2>new customers. That's seven two zero five two six thirty

2049
01:51:32.680 --> 01:51:35.720
<v Speaker 2>nine thirty nine Fix myhome dot Com. Hey listen, man,

2050
01:51:35.920 --> 01:51:40.000
<v Speaker 2>this this case sounds really weird. Abraham. You know, we

2051
01:51:40.039 --> 01:51:42.960
<v Speaker 2>don't no matter what the ATF agent was there for

2052
01:51:43.239 --> 01:51:45.520
<v Speaker 2>to come onto your property, walk up on the porch,

2053
01:51:45.640 --> 01:51:48.439
<v Speaker 2>open the front door, open the screen door. The dog

2054
01:51:48.520 --> 01:51:51.920
<v Speaker 2>comes lunging out and he shoots the dog. My god,

2055
01:51:52.279 --> 01:51:55.880
<v Speaker 2>it sounds surreal. And you say, Lafayette police are looking

2056
01:51:55.920 --> 01:51:59.399
<v Speaker 2>into it. We have someone calling Lafayette police. Is there

2057
01:51:59.479 --> 01:52:03.840
<v Speaker 2>anything all else you can add to this, Abraham, He.

2058
01:52:04.000 --> 01:52:04.760
<v Speaker 11>Just had no right.

2059
01:52:04.840 --> 01:52:05.000
<v Speaker 10>Man.

2060
01:52:05.039 --> 01:52:06.680
<v Speaker 3>It comes to that gate, and he had no right

2061
01:52:06.720 --> 01:52:08.399
<v Speaker 3>to give me go. He said, knock outside the house

2062
01:52:08.479 --> 01:52:10.079
<v Speaker 3>and never went to that gate, end up to that

2063
01:52:10.119 --> 01:52:11.720
<v Speaker 3>front door, knowing that gate was locked.

2064
01:52:13.239 --> 01:52:16.920
<v Speaker 2>Now, when you say the gate was locked, what do

2065
01:52:16.960 --> 01:52:18.199
<v Speaker 2>you mean the gate was locked?

2066
01:52:19.760 --> 01:52:21.239
<v Speaker 3>I have a three year old son has a NATS

2067
01:52:21.319 --> 01:52:24.399
<v Speaker 3>that child can't even open. So it's left.

2068
01:52:24.439 --> 01:52:26.680
<v Speaker 9>Okay, so it under and then popped it?

2069
01:52:26.760 --> 01:52:30.640
<v Speaker 2>Got it? Got it? So it was a latched gate.

2070
01:52:31.039 --> 01:52:34.800
<v Speaker 2>He came through the latched gate, walked up onto your porch,

2071
01:52:35.520 --> 01:52:40.239
<v Speaker 2>opened the front door, but that was completely closed in.

2072
01:52:40.119 --> 01:52:40.560
<v Speaker 3>The front door.

2073
01:52:40.600 --> 01:52:42.039
<v Speaker 1>My wife said, yep.

2074
01:52:43.840 --> 01:52:45.960
<v Speaker 3>And then your dog saw the screen door and the

2075
01:52:45.960 --> 01:52:46.479
<v Speaker 3>front door.

2076
01:52:48.000 --> 01:52:51.560
<v Speaker 2>And when your dog saw the door open, he ran

2077
01:52:51.720 --> 01:52:52.119
<v Speaker 2>for it.

2078
01:52:53.800 --> 01:52:54.079
<v Speaker 11>Yep.

2079
01:52:54.439 --> 01:52:56.600
<v Speaker 3>Well, he said hello. He opened the door and said hello,

2080
01:52:57.399 --> 01:52:59.239
<v Speaker 3>and the dog heard that. After the dog picked up

2081
01:52:59.239 --> 01:53:08.239
<v Speaker 3>perked his ears, until off at the front door after him.

2082
01:53:05.000 --> 01:53:06.279
<v Speaker 2>And the guy shot.

2083
01:53:06.039 --> 01:53:09.760
<v Speaker 3>Him four times? Man, four times?

2084
01:53:11.399 --> 01:53:13.159
<v Speaker 2>Where were you at the time, Abraham?

2085
01:53:14.479 --> 01:53:17.279
<v Speaker 3>I was in my back room.

2086
01:53:17.760 --> 01:53:20.000
<v Speaker 2>And when you came out, what did you say? What

2087
01:53:20.039 --> 01:53:21.760
<v Speaker 2>the hell are you doing? I mean, what did you?

2088
01:53:21.840 --> 01:53:25.560
<v Speaker 2>Did you know who he was? Did he identify himself? Okay,

2089
01:53:25.880 --> 01:53:28.720
<v Speaker 2>CAUs Shannon, help me out here? What am I doing?

2090
01:53:30.159 --> 01:53:34.199
<v Speaker 2>Got it? For those I don't even know? I hope

2091
01:53:34.199 --> 01:53:36.079
<v Speaker 2>it didn't go out, But I mean, he's saying the

2092
01:53:36.159 --> 01:53:41.119
<v Speaker 2>F word. Too many times. I think we got listen.

2093
01:53:42.600 --> 01:53:45.119
<v Speaker 2>I'd like Schopper to find out from Lafayette what the

2094
01:53:45.119 --> 01:53:47.479
<v Speaker 2>hell's going on. I mean for a guy to walk

2095
01:53:47.560 --> 01:53:50.119
<v Speaker 2>up and open the front door and then open the

2096
01:53:50.159 --> 01:53:54.000
<v Speaker 2>screen door and then shoot the dog because the dog

2097
01:53:54.079 --> 01:53:57.760
<v Speaker 2>came running at him, then this sounds weird to me.

2098
01:53:58.800 --> 01:54:02.960
<v Speaker 2>And what is the life being served with from an

2099
01:54:03.000 --> 01:54:08.560
<v Speaker 2>ATF agent? I don't understand any of it. Do you

2100
01:54:08.560 --> 01:54:11.079
<v Speaker 2>think this will hit the news at all? I mean,

2101
01:54:11.279 --> 01:54:14.039
<v Speaker 2>come on, people, I would think you got to find

2102
01:54:14.039 --> 01:54:18.119
<v Speaker 2>out Chopper did you could Chopper call up there now

2103
01:54:18.239 --> 01:54:22.359
<v Speaker 2>during the show and just tell we got this bizarre call. Yeah,

2104
01:54:22.439 --> 01:54:26.279
<v Speaker 2>tell them we got this bizarre call saying that an

2105
01:54:26.319 --> 01:54:30.079
<v Speaker 2>ATF agent shot a dog after opening the front door.

2106
01:54:30.279 --> 01:54:33.840
<v Speaker 2>What was that agent doing opening a door? I didn't

2107
01:54:33.880 --> 01:54:36.880
<v Speaker 2>think they're supposed to do that. I mean, it wasn't

2108
01:54:36.920 --> 01:54:39.079
<v Speaker 2>a raid or anything. It wasn't like you had a

2109
01:54:39.119 --> 01:54:43.720
<v Speaker 2>warrant for a search. Okay, we have some questions for

2110
01:54:43.880 --> 01:54:48.600
<v Speaker 2>Dan Dan McKenzie McKenzie law. We're talking about estate planning

2111
01:54:48.680 --> 01:54:52.000
<v Speaker 2>part of the show today. Somebody has a trust and

2112
01:54:52.039 --> 01:54:54.920
<v Speaker 2>they want to know if they have a trust and

2113
01:54:54.960 --> 01:54:59.279
<v Speaker 2>they move stuff into the trust, do they lose the

2114
01:54:59.319 --> 01:55:03.399
<v Speaker 2>tax benefit if it's a depreciating that asset. So in

2115
01:55:03.439 --> 01:55:06.880
<v Speaker 2>other words, they have a business. Let's say and the

2116
01:55:06.880 --> 01:55:10.800
<v Speaker 2>business owns equipment, and that equipment is put into the trust,

2117
01:55:11.520 --> 01:55:13.640
<v Speaker 2>or do you put the whole business in the trust?

2118
01:55:13.680 --> 01:55:15.159
<v Speaker 2>What's the proper way of doing that?

2119
01:55:15.760 --> 01:55:18.960
<v Speaker 14>And I would the equipment would be titled and the

2120
01:55:19.000 --> 01:55:20.399
<v Speaker 14>business could be put in the trust.

2121
01:55:20.640 --> 01:55:23.479
<v Speaker 2>Okay, So if the business is put in the trust,

2122
01:55:23.560 --> 01:55:28.479
<v Speaker 2>everything the business owns is in that trust. Yeah, So

2123
01:55:28.520 --> 01:55:30.840
<v Speaker 2>that's the easiest way to do it. So you don't

2124
01:55:30.840 --> 01:55:34.920
<v Speaker 2>take individual things and pluck them out from different entities

2125
01:55:35.319 --> 01:55:37.199
<v Speaker 2>and put them in a trust by themselves.

2126
01:55:37.680 --> 01:55:40.319
<v Speaker 15>I mean, you would want to be really careful about that.

2127
01:55:40.479 --> 01:55:43.319
<v Speaker 14>If there's equipment that sort of signals to me that

2128
01:55:43.640 --> 01:55:45.520
<v Speaker 14>you've got some liability around that. I mean, are we

2129
01:55:45.520 --> 01:55:48.079
<v Speaker 14>talking about like construction equipment, like like have that in

2130
01:55:48.119 --> 01:55:49.600
<v Speaker 14>the business to get that protection.

2131
01:55:49.960 --> 01:55:54.359
<v Speaker 2>Let's say a guy has a dirt moving business. Okay,

2132
01:55:54.760 --> 01:55:57.359
<v Speaker 2>Let's say is a back ho. That back ho is

2133
01:55:57.399 --> 01:56:00.479
<v Speaker 2>worth a lot of money and it's paid for. Would

2134
01:56:00.479 --> 01:56:03.119
<v Speaker 2>he put the whole back hole business in there or

2135
01:56:03.239 --> 01:56:04.479
<v Speaker 2>just the back hole itself?

2136
01:56:04.880 --> 01:56:07.239
<v Speaker 14>I mean, I try you want to be pretty comprehensive.

2137
01:56:07.279 --> 01:56:09.359
<v Speaker 14>If we're talking about a vocal trust, let's put that

2138
01:56:09.479 --> 01:56:11.520
<v Speaker 14>up front, right the vote. You're a vocal trust, it's

2139
01:56:11.560 --> 01:56:14.960
<v Speaker 14>got tax consequences that are more complicated, but let's assume

2140
01:56:14.960 --> 01:56:17.640
<v Speaker 14>it's a a vocal trust. Yeah, you want to put

2141
01:56:17.680 --> 01:56:19.479
<v Speaker 14>as much in there as you possibly can, but you

2142
01:56:19.520 --> 01:56:22.479
<v Speaker 14>want to keep business related assets under that business shield.

2143
01:56:22.600 --> 01:56:26.479
<v Speaker 2>Okay, got it, And so use of the products you

2144
01:56:26.520 --> 01:56:28.840
<v Speaker 2>can still use them. Like what like if you have

2145
01:56:29.039 --> 01:56:33.000
<v Speaker 2>artwork in your home and personal items not in a business,

2146
01:56:33.319 --> 01:56:35.680
<v Speaker 2>can you put personal items in a trust?

2147
01:56:36.039 --> 01:56:38.680
<v Speaker 14>Yeah, we just do a really simple assignment of personal

2148
01:56:38.680 --> 01:56:40.880
<v Speaker 14>property to or a trust, just saying I am assigning

2149
01:56:40.920 --> 01:56:44.159
<v Speaker 14>it all. I mean, there is not titling documents for like, and.

2150
01:56:44.079 --> 01:56:47.439
<v Speaker 2>What's what would be the benefit of putting personal property

2151
01:56:47.479 --> 01:56:48.680
<v Speaker 2>in a trust? It's just yeah.

2152
01:56:48.920 --> 01:56:52.479
<v Speaker 14>As I mentioned earlier that the thing that triggers probate

2153
01:56:52.560 --> 01:56:54.600
<v Speaker 14>is if you pass away and have eighty six thousand

2154
01:56:54.640 --> 01:57:00.520
<v Speaker 14>dollars worth of anything, and so.

2155
01:56:58.760 --> 01:57:00.720
<v Speaker 2>So if it's in a trust, it's not you.

2156
01:57:01.000 --> 01:57:01.600
<v Speaker 5>It's not you.

2157
01:57:02.199 --> 01:57:04.920
<v Speaker 14>And so assigning your personal property the trust takes all

2158
01:57:05.039 --> 01:57:05.479
<v Speaker 14>that out.

2159
01:57:05.319 --> 01:57:07.359
<v Speaker 2>Of that eighty six thousand dollars equation. So you can

2160
01:57:07.439 --> 01:57:11.960
<v Speaker 2>literally bypass probate. By having everything in trust.

2161
01:57:12.439 --> 01:57:14.520
<v Speaker 14>You get to give up to eighty six thousand bucks

2162
01:57:14.560 --> 01:57:17.439
<v Speaker 14>away without probate. If it's more than that, you've got

2163
01:57:17.479 --> 01:57:19.199
<v Speaker 14>to figure out some other way to do it, and

2164
01:57:19.239 --> 01:57:21.199
<v Speaker 14>a trust is a pretty elegant way to do that.

2165
01:57:22.000 --> 01:57:25.000
<v Speaker 2>Okay, And what are some of the reasons we always

2166
01:57:25.039 --> 01:57:29.479
<v Speaker 2>hear people talk about avoiding probate? Why is there such

2167
01:57:29.560 --> 01:57:32.920
<v Speaker 2>a fear of probate? When you hear, oh, no, you

2168
01:57:33.039 --> 01:57:36.279
<v Speaker 2>got to avoid probate, or I want to avoid probate,

2169
01:57:36.399 --> 01:57:38.159
<v Speaker 2>or they come to you, they may not even know

2170
01:57:38.199 --> 01:57:41.279
<v Speaker 2>why they're saying it and they say, Dan, we don't

2171
01:57:41.319 --> 01:57:46.000
<v Speaker 2>want to face probate. What Probate's not that complicated, is it?

2172
01:57:46.840 --> 01:57:49.760
<v Speaker 14>Honestly, Yeah, that concern can be a little bit out

2173
01:57:49.800 --> 01:57:52.399
<v Speaker 14>of date. It used to be a really intense process

2174
01:57:52.399 --> 01:57:55.159
<v Speaker 14>that required a lot of court appearances and stuff like that.

2175
01:57:55.399 --> 01:57:57.840
<v Speaker 15>Really usually does not anymore.

2176
01:57:58.000 --> 01:58:00.640
<v Speaker 14>So I don't automatically tell everyone to avoid probate. There

2177
01:58:00.640 --> 01:58:03.399
<v Speaker 14>are circumstances where, yeah, you probably still don't want to

2178
01:58:03.439 --> 01:58:06.079
<v Speaker 14>do it, but it's the court case.

2179
01:58:06.279 --> 01:58:08.560
<v Speaker 15>You know, it's public. There's some reasons not to want

2180
01:58:08.600 --> 01:58:08.840
<v Speaker 15>to do.

2181
01:58:08.800 --> 01:58:12.560
<v Speaker 2>It, Okay, Because when you open a probate, you're saying,

2182
01:58:12.960 --> 01:58:16.399
<v Speaker 2>this is Tom Martine's estate, and here's what we're doing

2183
01:58:16.439 --> 01:58:18.359
<v Speaker 2>with the stuff, and anyone can see it.

2184
01:58:18.920 --> 01:58:20.640
<v Speaker 14>I mean, I don't know if anyone can see it,

2185
01:58:20.680 --> 01:58:22.720
<v Speaker 14>but a lot of people can see it because anybody

2186
01:58:22.760 --> 01:58:26.640
<v Speaker 14>involved in the estate, any heirs, anybody, any beneficiary is

2187
01:58:26.680 --> 01:58:28.640
<v Speaker 14>it kind of access to the whole thing, and any

2188
01:58:28.680 --> 01:58:32.439
<v Speaker 14>creditors too, So it's just a little bit more out there.

2189
01:58:32.479 --> 01:58:34.800
<v Speaker 14>People probably can get into it as well who are

2190
01:58:34.840 --> 01:58:36.600
<v Speaker 14>not interested, but it's a little bit harder for them.

2191
01:58:36.800 --> 01:58:39.159
<v Speaker 2>Can someone claim to be a creditor just to get

2192
01:58:39.199 --> 01:58:39.560
<v Speaker 2>a look.

2193
01:58:41.439 --> 01:58:44.680
<v Speaker 14>Anybody can file a creditor claim and then it has

2194
01:58:44.720 --> 01:58:47.680
<v Speaker 14>to be dealt with, So that would be an interesting strategy.

2195
01:58:47.720 --> 01:58:50.159
<v Speaker 14>I haven't really seen people do that, but I'd have

2196
01:58:50.199 --> 01:58:51.039
<v Speaker 14>to think through that a little bit.

2197
01:58:51.119 --> 01:58:57.680
<v Speaker 2>It's possible, okay, But mainly probate is to disperse property.

2198
01:58:56.640 --> 01:58:59.920
<v Speaker 2>Is that the actual reason for probate.

2199
01:59:00.159 --> 01:59:03.319
<v Speaker 14>Yeah, get out there, account for the property, figure out

2200
01:59:03.359 --> 01:59:05.159
<v Speaker 14>what you got to make sure the bills are paid,

2201
01:59:05.199 --> 01:59:07.239
<v Speaker 14>the taxes are filed, and the right people get what

2202
01:59:07.239 --> 01:59:08.159
<v Speaker 14>they're entitled to receive.

2203
01:59:08.840 --> 01:59:12.720
<v Speaker 2>And if you have a trust where everything moves through

2204
01:59:12.840 --> 01:59:16.079
<v Speaker 2>without going to probate is prob Is there ever a

2205
01:59:16.199 --> 01:59:19.439
<v Speaker 2>death and a settlement of an estate without ever doing

2206
01:59:19.439 --> 01:59:20.039
<v Speaker 2>a probate?

2207
01:59:20.560 --> 01:59:20.720
<v Speaker 1>Oh?

2208
01:59:20.760 --> 01:59:23.840
<v Speaker 2>All the time really, without ever seeing probate court.

2209
01:59:24.039 --> 01:59:24.279
<v Speaker 1>Yep.

2210
01:59:25.199 --> 01:59:28.279
<v Speaker 2>And that's done through trusts. Uh.

2211
01:59:28.359 --> 01:59:30.319
<v Speaker 14>There's a few different ways to do it. One is

2212
01:59:30.319 --> 01:59:32.319
<v Speaker 14>the jointly title stuff. So as you say.

2213
01:59:32.239 --> 01:59:35.319
<v Speaker 2>Okay, so then it automatically goes to the other person.

2214
01:59:35.359 --> 01:59:39.239
<v Speaker 14>Designate a beneficiaries skip probate. Yeah, if you've got beneficiaries

2215
01:59:39.279 --> 01:59:42.119
<v Speaker 14>on your retirement accounts or life insurance. But you can

2216
01:59:42.159 --> 01:59:44.439
<v Speaker 14>put those on your house, your cars, your bank accounts,

2217
01:59:44.439 --> 01:59:45.159
<v Speaker 14>all kinds of stuff.

2218
01:59:45.159 --> 01:59:50.239
<v Speaker 2>Can you file beneficiaries on everything? Basically, Like, even if

2219
01:59:50.279 --> 01:59:52.760
<v Speaker 2>it's not set up for a beneficiary, can you say

2220
01:59:53.000 --> 01:59:55.199
<v Speaker 2>the beneficiary of this account is so and so.

2221
01:59:56.319 --> 01:59:58.800
<v Speaker 14>That is up to the institution where the account is located.

2222
01:59:58.800 --> 02:00:01.079
<v Speaker 14>But I would say yes, pretty much. Anything that is

2223
02:00:01.079 --> 02:00:02.960
<v Speaker 14>a title, there's probably a way to beneficial do a

2224
02:00:03.000 --> 02:00:03.760
<v Speaker 14>beneficiary in it.

2225
02:00:03.880 --> 02:00:09.119
<v Speaker 2>And beneficiary is an automatic transfer to death correct, So

2226
02:00:09.399 --> 02:00:13.319
<v Speaker 2>bank accounts could be automatically transferred at death, yes, And

2227
02:00:13.640 --> 02:00:17.359
<v Speaker 2>car titles can they be automatically transferred? Really?

2228
02:00:17.399 --> 02:00:17.600
<v Speaker 1>Is that?

2229
02:00:17.960 --> 02:00:19.640
<v Speaker 2>What is that? Like a beneficiary title?

2230
02:00:19.720 --> 02:00:19.880
<v Speaker 1>Yeah?

2231
02:00:19.880 --> 02:00:22.920
<v Speaker 14>If you if you google Colorado DMV beneficiary you will

2232
02:00:22.920 --> 02:00:23.560
<v Speaker 14>see their form.

2233
02:00:23.600 --> 02:00:24.359
<v Speaker 15>It's real simple.

2234
02:00:24.479 --> 02:00:26.239
<v Speaker 14>They want to know that make the model, the ben

2235
02:00:26.279 --> 02:00:27.600
<v Speaker 14>and who's getting it if you pass away?

2236
02:00:27.680 --> 02:00:30.199
<v Speaker 2>Really, I didn't know. So there's like a there's like

2237
02:00:30.239 --> 02:00:34.479
<v Speaker 2>a beneficiary title for cars. Wow, did you know that, Mark?

2238
02:00:34.520 --> 02:00:36.720
<v Speaker 2>I didn't know that that you can actually do that

2239
02:00:36.760 --> 02:00:44.039
<v Speaker 2>with a car three or three five? Yeah? Okay, Abraham

2240
02:00:44.720 --> 02:00:48.079
<v Speaker 2>is back and uh you know he's the one that

2241
02:00:48.119 --> 02:00:51.720
<v Speaker 2>had his dog shot. Abraham. Are they still at your

2242
02:00:51.760 --> 02:00:52.920
<v Speaker 2>house investigating?

2243
02:00:53.800 --> 02:00:57.239
<v Speaker 3>Yes, yes, everybody's here. Still just talking to the loafia cops.

2244
02:00:57.239 --> 02:01:00.000
<v Speaker 2>Now what did they say?

2245
02:01:02.119 --> 02:01:05.760
<v Speaker 3>They're just saying they're sorry, they know my feeling. They're sorry,

2246
02:01:05.840 --> 02:01:08.760
<v Speaker 3>and that they're they're keeping it pretty much hush hush

2247
02:01:08.800 --> 02:01:10.439
<v Speaker 3>because they they're not gonna, like I said, they're not

2248
02:01:10.479 --> 02:01:12.640
<v Speaker 3>going to go against his him. They're not going to

2249
02:01:12.720 --> 02:01:13.720
<v Speaker 3>go against him.

2250
02:01:14.640 --> 02:01:15.600
<v Speaker 1>They know he's in the wrong.

2251
02:01:16.119 --> 02:01:18.680
<v Speaker 2>Where is the guy right? Where is the eight? What

2252
02:01:18.840 --> 02:01:20.359
<v Speaker 2>is the ATF guys named?

2253
02:01:20.439 --> 02:01:20.800
<v Speaker 15>You know.

2254
02:01:22.399 --> 02:01:22.439
<v Speaker 2>What?

2255
02:01:22.720 --> 02:01:23.279
<v Speaker 18>They killing me?

2256
02:01:23.319 --> 02:01:24.319
<v Speaker 1>Sir? What's his name?

2257
02:01:24.600 --> 02:01:28.079
<v Speaker 3>A TF I you ask me for these?

2258
02:01:28.159 --> 02:01:28.439
<v Speaker 13>Please?

2259
02:01:29.119 --> 02:01:31.680
<v Speaker 9>Super Hey, supervisor, what's his name?

2260
02:01:32.880 --> 02:01:34.880
<v Speaker 1>But what perse I need it for myself?

2261
02:01:35.520 --> 02:01:36.239
<v Speaker 9>I'll get it to you.

2262
02:01:36.399 --> 02:01:37.840
<v Speaker 13>But I'm not going to do a fire on.

2263
02:01:37.800 --> 02:01:38.960
<v Speaker 1>A cold.

2264
02:01:41.600 --> 02:01:43.159
<v Speaker 2>You know what, these guys are being.

2265
02:01:44.800 --> 02:01:46.399
<v Speaker 3>Right, they're being real church exactly.

2266
02:01:46.960 --> 02:01:47.880
<v Speaker 1>I have the right for their name.

2267
02:01:49.000 --> 02:01:56.039
<v Speaker 3>That's wrong, it's wrong, bro, Just yeah, name a simple name. Brother.

2268
02:01:57.039 --> 02:02:01.000
<v Speaker 2>Don't get yourself, hey, Abraham, don't get you yourself crossways

2269
02:02:01.039 --> 02:02:04.119
<v Speaker 2>with him? Are you gonna say?

2270
02:02:06.000 --> 02:02:09.600
<v Speaker 19>I have a supervisor from Lafayette going to be giving

2271
02:02:09.640 --> 02:02:10.119
<v Speaker 19>me a call.

2272
02:02:10.199 --> 02:02:11.600
<v Speaker 2>Probably the guy he's talking to.

2273
02:02:11.720 --> 02:02:12.199
<v Speaker 1>There you go.

2274
02:02:13.000 --> 02:02:14.000
<v Speaker 3>You see how the tree to me?

2275
02:02:14.199 --> 02:02:17.960
<v Speaker 2>All right, hold on, we'll take it. We'll take a

2276
02:02:18.000 --> 02:02:20.439
<v Speaker 2>quick break, hang on, and then we have some updates

2277
02:02:20.520 --> 02:02:22.680
<v Speaker 2>right after this. I'm Tom Martinez three oh three seven

2278
02:02:22.720 --> 02:02:27.279
<v Speaker 2>one three two five. I want to talk to Troy,

2279
02:02:27.319 --> 02:02:31.239
<v Speaker 2>who has a comment on this situation unfolding live on

2280
02:02:31.279 --> 02:02:35.000
<v Speaker 2>the air with an ATF agent. Walked through a locked gate,

2281
02:02:35.600 --> 02:02:37.960
<v Speaker 2>went up on a porch, opened a screen door, and

2282
02:02:38.000 --> 02:02:41.960
<v Speaker 2>then a front door. The dog came lunging and he

2283
02:02:42.079 --> 02:02:46.520
<v Speaker 2>shot the dog four times. Again. We're hearing this only

2284
02:02:46.560 --> 02:02:50.840
<v Speaker 2>from one perspective, the homeowner. We don't know if it's

2285
02:02:50.880 --> 02:02:55.199
<v Speaker 2>absolutely as it happened, But Troy, what is your comment?

2286
02:02:57.319 --> 02:02:57.520
<v Speaker 13>Hey?

2287
02:02:57.600 --> 02:03:01.000
<v Speaker 9>Tom, The most likely reason at F agent would come

2288
02:03:01.039 --> 02:03:05.199
<v Speaker 9>to your house would be if they're investigating a gun

2289
02:03:05.279 --> 02:03:07.760
<v Speaker 9>that was used in a crime. The way it works

2290
02:03:07.880 --> 02:03:10.399
<v Speaker 9>is the ATF will go to the manufacturer with the

2291
02:03:10.439 --> 02:03:15.840
<v Speaker 9>serial number. Then the manufacturer will tell the ATF which

2292
02:03:15.880 --> 02:03:18.479
<v Speaker 9>distributor that I was sent to. Then they go to

2293
02:03:18.520 --> 02:03:19.279
<v Speaker 9>the distributor.

2294
02:03:19.680 --> 02:03:21.079
<v Speaker 1>Distriver says which dealer.

2295
02:03:21.800 --> 02:03:24.000
<v Speaker 20>Then the dealer looks in his A and D book

2296
02:03:24.680 --> 02:03:28.479
<v Speaker 20>and will tell the ATF who they sold that gun to.

2297
02:03:29.159 --> 02:03:34.439
<v Speaker 2>So, yeah, because he did mention, he did mention that

2298
02:03:34.560 --> 02:03:36.920
<v Speaker 2>his one of his wife's guns were stolen.

2299
02:03:37.640 --> 02:03:40.359
<v Speaker 9>Yep, yep, yeah that makes sense.

2300
02:03:40.880 --> 02:03:45.920
<v Speaker 20>And uh yeah, the ATF agent does have the right

2301
02:03:46.000 --> 02:03:50.680
<v Speaker 20>to defend themselves. Yeah, I gets the animal, I didn't

2302
02:03:50.680 --> 02:03:53.920
<v Speaker 20>diet buy big dogs and that that is no fun

2303
02:03:53.960 --> 02:03:54.279
<v Speaker 20>at all.

2304
02:03:55.720 --> 02:03:58.760
<v Speaker 2>Do you have a troy. I'm not saying I'm not

2305
02:03:58.800 --> 02:04:01.199
<v Speaker 2>saying he doesn't have a right to defend himself, but

2306
02:04:01.279 --> 02:04:03.199
<v Speaker 2>what the hell is he doing walking up on the

2307
02:04:03.239 --> 02:04:04.560
<v Speaker 2>portion opening the door.

2308
02:04:06.520 --> 02:04:09.439
<v Speaker 9>Well, so you know, to open the screen door and

2309
02:04:09.640 --> 02:04:10.760
<v Speaker 9>knock on the door.

2310
02:04:10.720 --> 02:04:11.279
<v Speaker 1>Is one thing.

2311
02:04:11.359 --> 02:04:15.800
<v Speaker 9>And if the if the main door was not latch closed,

2312
02:04:16.479 --> 02:04:17.880
<v Speaker 9>and you know he pushed.

2313
02:04:17.600 --> 02:04:21.760
<v Speaker 20>It open and yell hello and then the dog comes

2314
02:04:21.800 --> 02:04:22.199
<v Speaker 20>at him.

2315
02:04:22.600 --> 02:04:26.199
<v Speaker 9>Well, you know what's he supposed to do.

2316
02:04:28.920 --> 02:04:31.920
<v Speaker 2>Well, He's not supposed to open the door and yell hello.

2317
02:04:33.199 --> 02:04:34.520
<v Speaker 2>That would be my guess.

2318
02:04:35.800 --> 02:04:39.319
<v Speaker 9>If it's not fully closed and latched and he goes

2319
02:04:39.359 --> 02:04:41.840
<v Speaker 9>to knock on the door and then pushes it open.

2320
02:04:44.159 --> 02:04:47.439
<v Speaker 9>I mean, that's a good question for Chopper. You know,

2321
02:04:47.439 --> 02:04:50.439
<v Speaker 9>when they come to a door that's not clearly closed.

2322
02:04:51.239 --> 02:04:55.840
<v Speaker 9>You know, is it protocol to you know, push it

2323
02:04:55.880 --> 02:04:59.199
<v Speaker 9>open and yell hello, or you know, because he's just

2324
02:04:59.239 --> 02:05:05.239
<v Speaker 9>doing an investment, Jason, he's out there to arrest anybody.

2325
02:05:05.279 --> 02:05:08.319
<v Speaker 2>It's hard to say, man, I you know, without being there,

2326
02:05:08.359 --> 02:05:12.159
<v Speaker 2>without knowing, and I I mean, I know what you're saying.

2327
02:05:12.159 --> 02:05:14.159
<v Speaker 2>When a dog's running at you, what do you do

2328
02:05:14.560 --> 02:05:16.079
<v Speaker 2>and you have a gun on you? I don't know.

2329
02:05:16.119 --> 02:05:18.199
<v Speaker 2>I mean I've never been in that position, so I

2330
02:05:18.239 --> 02:05:21.319
<v Speaker 2>can't say I don't know. I do know though, that

2331
02:05:22.079 --> 02:05:24.359
<v Speaker 2>this is not the first time dogs have been shot,

2332
02:05:25.039 --> 02:05:29.439
<v Speaker 2>and it happens a lot with law enforcement. They will

2333
02:05:29.439 --> 02:05:32.359
<v Speaker 2>take no crap from a dog. None. If they're on

2334
02:05:32.479 --> 02:05:36.840
<v Speaker 2>a property or investigating or doing anything or and a

2335
02:05:36.880 --> 02:05:40.359
<v Speaker 2>dog threatens them, they'll shoot that dog without even thinking

2336
02:05:40.399 --> 02:05:45.880
<v Speaker 2>about it. So who knows, I mean, without being there, Richard,

2337
02:05:46.119 --> 02:05:48.560
<v Speaker 2>you have a question. Go ahead, Richard. What's going on?

2338
02:05:49.560 --> 02:05:50.760
<v Speaker 9>Yes, good happening, Tom.

2339
02:05:51.279 --> 02:05:53.640
<v Speaker 13>I enjoyed it, Joe, and I also had been on.

2340
02:05:53.600 --> 02:05:56.960
<v Speaker 18>Your referral list dot com and I also checked your

2341
02:05:57.000 --> 02:06:00.720
<v Speaker 18>transcripts of some of the important articles. I'm in need

2342
02:06:00.760 --> 02:06:03.520
<v Speaker 18>of a right service and I don't see anything on

2343
02:06:03.640 --> 02:06:07.319
<v Speaker 18>referral dot com about you recommended a right service.

2344
02:06:07.600 --> 02:06:08.119
<v Speaker 1>I like to have.

2345
02:06:08.600 --> 02:06:11.520
<v Speaker 2>Well, we when you say a ride service, what do

2346
02:06:11.560 --> 02:06:12.920
<v Speaker 2>you mean a ride service?

2347
02:06:13.520 --> 02:06:15.840
<v Speaker 18>Oh, I just need a trasification from where I live

2348
02:06:16.319 --> 02:06:18.279
<v Speaker 18>to about five a little more than five miles from

2349
02:06:18.279 --> 02:06:18.800
<v Speaker 18>where I live.

2350
02:06:20.359 --> 02:06:23.840
<v Speaker 2>Well, what about just plain old Uber or Lyft?

2351
02:06:24.279 --> 02:06:28.039
<v Speaker 18>That's where I'm I'm gonna ask you, Uh, is it

2352
02:06:28.159 --> 02:06:29.600
<v Speaker 18>safe to use Lyft or Uber?

2353
02:06:29.840 --> 02:06:30.800
<v Speaker 1>I mean, can you give us?

2354
02:06:30.960 --> 02:06:32.039
<v Speaker 18>Can you give all of us.

2355
02:06:31.920 --> 02:06:35.079
<v Speaker 1>Some helpful hands about what to do? Okay, that's more.

2356
02:06:35.239 --> 02:06:37.560
<v Speaker 2>Here's what I'm Here's what I'm going to tell you.

2357
02:06:38.079 --> 02:06:42.319
<v Speaker 2>Ride services are mostly safe, and I like them. I

2358
02:06:42.399 --> 02:06:46.520
<v Speaker 2>don't like Uber because every single time I've used Uber,

2359
02:06:46.920 --> 02:06:50.479
<v Speaker 2>my card has been hacked. I like Lyft, I do

2360
02:06:50.560 --> 02:06:54.199
<v Speaker 2>not use Uber now. Listen, that was my experience. I

2361
02:06:54.239 --> 02:06:59.760
<v Speaker 2>have used Uber every single time. My card will be

2362
02:06:59.800 --> 02:07:05.239
<v Speaker 2>you the next day. Every single time. That's never happened

2363
02:07:05.239 --> 02:07:10.039
<v Speaker 2>to me with Lyft ever, so I use Lyft.

2364
02:07:10.439 --> 02:07:12.680
<v Speaker 18>Okay, so you do recommend Lyft.

2365
02:07:14.439 --> 02:07:16.920
<v Speaker 2>That's why I recommend. I'm I mean mark. When you

2366
02:07:16.920 --> 02:07:19.840
<v Speaker 2>guys travel, do you use any ride shares? I use

2367
02:07:19.960 --> 02:07:21.000
<v Speaker 2>both of them.

2368
02:07:21.600 --> 02:07:24.399
<v Speaker 7>I just I've never had any issue with my credit

2369
02:07:24.399 --> 02:07:28.560
<v Speaker 7>card with either. But I differ. I do not like Lift.

2370
02:07:28.640 --> 02:07:32.159
<v Speaker 7>I use only if they're quite a bit cheaper. They

2371
02:07:32.199 --> 02:07:35.600
<v Speaker 7>seem to cancel more. They just seem to have more issues.

2372
02:07:35.680 --> 02:07:38.159
<v Speaker 7>The cars are a little more nasty.

2373
02:07:38.920 --> 02:07:42.359
<v Speaker 2>Okay, Okay, Now you use them far more than I do,

2374
02:07:42.439 --> 02:07:46.760
<v Speaker 2>so that's possible. Like I said, I found good luck

2375
02:07:46.800 --> 02:07:51.279
<v Speaker 2>with Lyft, But you know either one of them, truly, Richard,

2376
02:07:51.800 --> 02:07:55.199
<v Speaker 2>They're they're they're pretty reliable services. I mean, every now

2377
02:07:55.199 --> 02:07:58.359
<v Speaker 2>and then we hear about crazy stuff going on, but

2378
02:07:58.520 --> 02:08:02.239
<v Speaker 2>for the most part, I like them. I like ride services,

2379
02:08:02.359 --> 02:08:05.840
<v Speaker 2>and of course you still have good old Taxis, although

2380
02:08:05.880 --> 02:08:08.279
<v Speaker 2>I don't know how Taxis are making it these days.

2381
02:08:08.920 --> 02:08:10.880
<v Speaker 2>I'm honest to god, I don't know how they make it.

2382
02:08:11.199 --> 02:08:14.560
<v Speaker 2>Because you can schedule Lift, you can schedule Uber, you

2383
02:08:14.600 --> 02:08:17.520
<v Speaker 2>can have them there like clockwork, and I don't know

2384
02:08:17.600 --> 02:08:20.600
<v Speaker 2>any do you know anyone that uses taxis still. I

2385
02:08:20.600 --> 02:08:23.680
<v Speaker 2>guess their benefit of a taxi is if they're down

2386
02:08:23.920 --> 02:08:26.960
<v Speaker 2>street and you're there, you can hail a cab. You

2387
02:08:27.000 --> 02:08:30.520
<v Speaker 2>can't hail a lift or uber. I mean that's probably

2388
02:08:30.720 --> 02:08:33.479
<v Speaker 2>see them. They're all over the airport, so still lined up.

2389
02:08:33.520 --> 02:08:37.560
<v Speaker 2>They still do really well. It is taxis. Yeah, Wow,

2390
02:08:38.520 --> 02:08:44.560
<v Speaker 2>who got more coming? Right up? Hi, Tom Martino? Here,

2391
02:08:46.199 --> 02:08:48.000
<v Speaker 2>let's go to BO. Who has a follow up?

2392
02:08:48.039 --> 02:08:48.159
<v Speaker 1>Bo?

2393
02:08:51.960 --> 02:08:54.680
<v Speaker 2>This eighty one year old woman. This eighty one year

2394
02:08:54.720 --> 02:08:56.800
<v Speaker 2>old woman, she had a leak in her apartment. They

2395
02:08:56.840 --> 02:09:00.159
<v Speaker 2>moved her into another apartment. She said she developed the

2396
02:09:00.239 --> 02:09:03.319
<v Speaker 2>roof leak in that apartment and the management is doing

2397
02:09:03.319 --> 02:09:05.880
<v Speaker 2>nothing to help her. It sounds like this woman is

2398
02:09:05.960 --> 02:09:08.279
<v Speaker 2>having constant problems. What have you found out?

2399
02:09:09.159 --> 02:09:12.880
<v Speaker 13>Yeah, Cheryl called in for a friend Peggy that lives

2400
02:09:13.319 --> 02:09:18.720
<v Speaker 13>at the Highline Loft department at four fifty six Ironton. Yeah,

2401
02:09:18.800 --> 02:09:21.840
<v Speaker 13>she had flooding from the apartment above her. She had

2402
02:09:21.920 --> 02:09:26.640
<v Speaker 13>watering or light finistures. So I kept calling Sandra Martinez,

2403
02:09:26.720 --> 02:09:31.680
<v Speaker 13>the local manager for RPM Living. She kept hanging up

2404
02:09:31.720 --> 02:09:35.119
<v Speaker 13>on me, had no comment. So we eventually got a

2405
02:09:35.159 --> 02:09:39.079
<v Speaker 13>hold of the general manager in Austin, Texas, his name.

2406
02:09:39.000 --> 02:09:42.119
<v Speaker 18>Is Cody Coppel.

2407
02:09:41.840 --> 02:09:45.920
<v Speaker 13>He would not talk to me, but because of our

2408
02:09:45.960 --> 02:09:49.319
<v Speaker 13>relentless phone calls, they did get a hold of the

2409
02:09:49.439 --> 02:09:53.159
<v Speaker 13>tenant and they're in the process of relocating her into

2410
02:09:53.199 --> 02:09:55.560
<v Speaker 13>a better apartment. So that's my way.

2411
02:09:55.640 --> 02:09:58.520
<v Speaker 2>So this will be the second time. This will be

2412
02:09:58.560 --> 02:09:59.960
<v Speaker 2>the second time she's relow.

2413
02:10:01.279 --> 02:10:04.399
<v Speaker 13>Yes, So I'm just going to follow up and make

2414
02:10:04.479 --> 02:10:08.720
<v Speaker 13>sure this this second apartment is going to be dry

2415
02:10:08.760 --> 02:10:12.560
<v Speaker 13>and clean for her. But they are stepping up and

2416
02:10:12.800 --> 02:10:13.560
<v Speaker 13>helping her out.

2417
02:10:15.079 --> 02:10:16.720
<v Speaker 2>Why did they say they wouldn't talk to.

2418
02:10:16.680 --> 02:10:21.159
<v Speaker 13>You, because I said, as with the Tom Martino Show,

2419
02:10:21.680 --> 02:10:23.000
<v Speaker 13>they don't like us.

2420
02:10:23.840 --> 02:10:26.960
<v Speaker 2>Yeah, but I wonder why we were just trying to help, right.

2421
02:10:27.000 --> 02:10:29.680
<v Speaker 13>I said, they would just say no comment and hang

2422
02:10:29.800 --> 02:10:33.000
<v Speaker 13>up after three times, and then I was able to

2423
02:10:33.000 --> 02:10:36.119
<v Speaker 13>get a hold of the manager. Now he the regional manager.

2424
02:10:36.560 --> 02:10:37.199
<v Speaker 9>He would not.

2425
02:10:37.319 --> 02:10:40.079
<v Speaker 13>Call me back either, but he did get our message.

2426
02:10:40.880 --> 02:10:45.039
<v Speaker 13>So I'm going to okay TGI next week. But they

2427
02:10:45.079 --> 02:10:48.399
<v Speaker 13>are moving along with finding her a second apartment.

2428
02:10:50.600 --> 02:10:53.119
<v Speaker 2>Well you deserve my dinger, that's for sure. That's a

2429
02:10:53.159 --> 02:10:55.479
<v Speaker 2>good I haven't used that dinger in a few days.

2430
02:10:55.520 --> 02:11:00.279
<v Speaker 2>But here we go. Yes, thank you, And you know,

2431
02:11:00.319 --> 02:11:04.119
<v Speaker 2>for all those people that won't speak to us. I

2432
02:11:04.159 --> 02:11:08.279
<v Speaker 2>don't understand why they won't talk to us. Now, Deputy Chopper,

2433
02:11:08.359 --> 02:11:10.720
<v Speaker 2>you say you have a follow up. What's going on? Chopper?

2434
02:11:11.439 --> 02:11:12.479
<v Speaker 2>This one's real quick.

2435
02:11:12.600 --> 02:11:15.880
<v Speaker 19>Just Jenny worked at Carl's Junior for about two weeks.

2436
02:11:16.239 --> 02:11:19.279
<v Speaker 19>She was old four hundred and sixty six dollars. She

2437
02:11:19.319 --> 02:11:22.840
<v Speaker 19>couldn't get paid. I reached out to tell her how

2438
02:11:22.840 --> 02:11:25.800
<v Speaker 19>to get paid. She did get paid this last Friday,

2439
02:11:26.119 --> 02:11:29.600
<v Speaker 19>so she got her four hundred and sixty six dollars.

2440
02:11:30.760 --> 02:11:36.319
<v Speaker 2>Good, good, good, And I want to remind you Dan

2441
02:11:36.439 --> 02:11:42.359
<v Speaker 2>McKenzie when he's not here, he's at Coplans dot c.

2442
02:11:43.640 --> 02:11:46.279
<v Speaker 2>You can reach him there A three three two six

2443
02:11:46.399 --> 02:11:51.800
<v Speaker 2>seven fifty two sixty seven. That's mackenzie law. I'm Tom Martino,

2444
02:11:54.159 --> 02:12:01.399
<v Speaker 2>Tino around the clock to get help three oh three Martino.

2445
02:12:02.199 --> 02:12:05.560
<v Speaker 5>Follow Tom Martino at Real Tom Martino.

2446
02:12:05.359 --> 02:12:07.680
<v Speaker 2>And stay connected with all of that at six thirty

2447
02:12:07.800 --> 02:12:09.319
<v Speaker 2>k kyhow dot com and.

2448
02:12:09.319 --> 02:12:13.439
<v Speaker 5>On the iHeartRadio app. This is Denver's talk station, six

2449
02:12:13.600 --> 02:12:14.640
<v Speaker 5>thirty k howse