WEBVTT 1 00:00:00.640 --> 00:00:09.759 Yeah, ripped up news, need advice? 2 00:00:09.839 --> 00:00:10.640 Who you don't have? 3 00:00:12.880 --> 00:00:17.519 Come runing just as fast as we can. Shooter's gonna 4 00:00:17.600 --> 00:00:20.120 help me. Come man, this. 5 00:00:20.760 --> 00:00:26.679 Is the Troubleshooter Show. No Tom Martino, Hey, hey. 6 00:00:26.480 --> 00:00:27.519 Hey, Tom Martino. 7 00:00:27.679 --> 00:00:30.600 Here, as you can see, we have a studio full 8 00:00:30.600 --> 00:00:34.280 of people, Thank goodness. We have sues front and center, 9 00:00:34.840 --> 00:00:40.119 lovely sues. And then we have Mark the Mug. And 10 00:00:40.159 --> 00:00:42.840 then who is this homely guy to my left or 11 00:00:42.920 --> 00:00:44.359 screen left? Who is that? 12 00:00:44.479 --> 00:00:48.520 Dame John with cmg are mortgage expert. 13 00:00:48.679 --> 00:00:51.560 I know John, God, John and I know each other 14 00:00:51.640 --> 00:00:56.200 thirty years John welcome, John Clays. 15 00:00:57.759 --> 00:01:01.799 Thirty years John, Oh, yeah, thirty at least years. And yeah, 16 00:01:01.840 --> 00:01:03.960 at least. 17 00:01:03.759 --> 00:01:08.159 John and Matt and his wonderful late brother and dads. 18 00:01:08.280 --> 00:01:09.000 I knew them all. 19 00:01:09.159 --> 00:01:14.760 Yeah, yeah, we we had we've had many of fun. 20 00:01:16.719 --> 00:01:17.359 Yes, we did. 21 00:01:17.439 --> 00:01:19.000 We No, I'm not and I. 22 00:01:18.959 --> 00:01:21.640 Don't mean, I don't mean rowdy crap, but we've had 23 00:01:21.640 --> 00:01:23.319 a we've had a lot of fun. 24 00:01:25.439 --> 00:01:27.319 At various places, parties and stuff. 25 00:01:27.359 --> 00:01:30.879 We we really go way back and it was. 26 00:01:30.840 --> 00:01:31.680 Good, good fun. 27 00:01:31.719 --> 00:01:31.840 Though. 28 00:01:31.879 --> 00:01:35.719 We're good friends. And how's Matt doing, by the way, John. 29 00:01:35.599 --> 00:01:37.959 Matt's doing great, you know, he's still here in here 30 00:01:37.959 --> 00:01:40.480 and Denver over there by the Dave and Busters area 31 00:01:40.480 --> 00:01:43.519 of the Colorado Center. And you know, their Paradigm group 32 00:01:43.599 --> 00:01:47.439 is still still doing He's doing well. He told me 33 00:01:47.519 --> 00:01:49.599 just hi and yeah, he's doing great. 34 00:01:51.159 --> 00:01:53.400 All right anyway, three oh three seven one three talk 35 00:01:53.439 --> 00:01:54.239 seven one three. 36 00:01:54.040 --> 00:01:54.920 Eight two five five. 37 00:01:55.519 --> 00:01:58.560 People, we welcome you to the show. You're all part 38 00:01:58.560 --> 00:02:01.120 of the family. I have my YouTube morons, I have 39 00:02:01.239 --> 00:02:06.239 my Discord group. I have my people on Facebook and 40 00:02:06.359 --> 00:02:10.680 nextdoor and all over social media. Plus just on the radio, 41 00:02:10.960 --> 00:02:14.560 on our radio, our sister station's cardio and other stations 42 00:02:14.560 --> 00:02:16.960 around the country, or people that take us on the 43 00:02:16.960 --> 00:02:18.000 iHeartRadio app. 44 00:02:18.240 --> 00:02:19.560 I get texts every day from. 45 00:02:19.400 --> 00:02:22.599 People all over saying, man, we love hearing you, we 46 00:02:22.759 --> 00:02:25.759 just discovered you, or others who moved away and stayed 47 00:02:25.759 --> 00:02:26.599 in touch with us. 48 00:02:27.120 --> 00:02:28.240 So thanks. 49 00:02:28.520 --> 00:02:32.120 Welcome to the Troubleshooter family and this hour brought to 50 00:02:32.159 --> 00:02:33.800 you by water pros. Now, I'm going to just tell 51 00:02:33.840 --> 00:02:39.360 you something. This Validae's Valentine's Day special people, I swear 52 00:02:39.360 --> 00:02:40.599 to you, I can't believe this. 53 00:02:40.680 --> 00:02:41.000 Okay. 54 00:02:41.319 --> 00:02:43.400 Remember just the other day I was saying thirty four 55 00:02:43.520 --> 00:02:45.319 ninety five to get rid of all the crap in 56 00:02:45.319 --> 00:02:47.680 your house, right, get the best water system, but for 57 00:02:47.840 --> 00:02:51.439 drinking water you add the reverse osmosis for eleven hundred. 58 00:02:51.919 --> 00:02:55.599 Still great pricing. So what is that thirty four ninety 59 00:02:55.639 --> 00:02:59.599 five plus thirty one plus eleven hundred, blah blah blah. 60 00:03:00.240 --> 00:03:04.319 It's over four grand right right now until Valentine's Day. 61 00:03:04.360 --> 00:03:05.680 This is unbelievable. 62 00:03:05.680 --> 00:03:07.400 So I'm only going to say at once this show 63 00:03:08.439 --> 00:03:13.039 because there's a limited number till Valentine's both systems reverse 64 00:03:13.120 --> 00:03:16.280 osmosis at the kitchen sink for drinking water and a 65 00:03:16.360 --> 00:03:20.520 whole house system for all the other crap to make 66 00:03:20.520 --> 00:03:25.120 your plumbing safe. Use saves laundry, save wonderful conditioned water. 67 00:03:25.680 --> 00:03:30.240 Both systems, and this is not a misprint. Three thousand, 68 00:03:30.360 --> 00:03:34.520 one hundred ninety five thirty one ninety five unbelievable. If 69 00:03:34.599 --> 00:03:37.159 you never got this, you better get it. Three zero 70 00:03:37.159 --> 00:03:40.159 three eighty six y two five five five four waterpros 71 00:03:40.199 --> 00:03:45.319 dot net. Now, speaking of products that work, I wanted 72 00:03:45.360 --> 00:03:49.400 to dedicate today to products that work and products that 73 00:03:49.479 --> 00:03:54.960 don't work. Have you ever bought something and it just 74 00:03:56.199 --> 00:04:00.199 doesn't work? No, I'm not talking about broken down. I'm 75 00:04:00.240 --> 00:04:05.439 not talking about defective. I'm talking about the a holes 76 00:04:05.479 --> 00:04:12.039 we're selling it, are lying to you. It just never works. 77 00:04:12.120 --> 00:04:16.519 I'm gonna give you one. How about the ultrasound that 78 00:04:16.600 --> 00:04:18.399 keeps mice mice away? 79 00:04:19.240 --> 00:04:19.480 True? 80 00:04:20.279 --> 00:04:21.399 What a piece of crap. 81 00:04:21.439 --> 00:04:23.480 And by the way, Deputy Bow is with me, chiming 82 00:04:23.519 --> 00:04:25.519 and Bow, have you bought one of those? 83 00:04:26.079 --> 00:04:29.120 I did, and I even built one. Wants to check 84 00:04:29.160 --> 00:04:31.639 it out. And those things are just a scam. They 85 00:04:31.680 --> 00:04:33.040 do absolutely do not work. 86 00:04:33.160 --> 00:04:35.839 I want to I know Brian the mouse guy listens 87 00:04:35.839 --> 00:04:37.879 to a slot the mouse and critter and guys. I 88 00:04:37.920 --> 00:04:40.319 want to know what he thinks about those ultrasound systems. 89 00:04:40.519 --> 00:04:43.120 I don't think I ever directly asked him, but people 90 00:04:43.120 --> 00:04:46.639 waste money these things that plug in and apparently they 91 00:04:46.680 --> 00:04:49.680 emit some kind of sound and it won't let varmint 92 00:04:49.680 --> 00:04:51.480 surround you anyway. 93 00:04:51.160 --> 00:04:52.439 Scott, what's going on with you? 94 00:04:52.519 --> 00:04:56.600 Scott is uh talking about speaking of which? Animal protection? 95 00:04:56.879 --> 00:04:59.439 So I don't know what's going on Scott? Hi, Scott, 96 00:04:59.439 --> 00:05:02.000 I'm tom ar what's happening him? 97 00:05:02.879 --> 00:05:07.319 So we had an encounter with Denver Animal Patrol. We 98 00:05:07.519 --> 00:05:11.399 had taken our dog to the vet to have a 99 00:05:11.560 --> 00:05:13.319 injury with his foot checked out. It turned out that 100 00:05:14.160 --> 00:05:17.439 is a whorbit and that he was fine. On the 101 00:05:17.439 --> 00:05:19.160 way home, we stopped by home depot. I was just 102 00:05:19.199 --> 00:05:23.199 getting some pickets to fix the fence, and someone called 103 00:05:23.279 --> 00:05:28.959 animal patrol. The officer was extremely rude. My wife was pretty. 104 00:05:28.759 --> 00:05:31.680 Wait wait wait, wait wait, you just hold on, hold on, bro, Bro, 105 00:05:32.639 --> 00:05:35.959 you took dog to the vet for foot injury. 106 00:05:36.319 --> 00:05:39.199 And you said yeah, and then you stopped at home. 107 00:05:40.439 --> 00:05:44.079 You stopped at home depot and they called animal control. 108 00:05:44.920 --> 00:05:49.920 You're leaving something out. Why would someone call animal control 109 00:05:50.000 --> 00:05:52.120 because you're at home depot with your dog. 110 00:05:53.560 --> 00:05:56.439 So the dog was in the car with his foot, 111 00:05:56.480 --> 00:05:59.199 he was limping, and so dog was in the car 112 00:05:59.240 --> 00:06:03.680 windows and rolled down the temperature. I'm it wasn't even 113 00:06:04.439 --> 00:06:06.439 eighty degrees. It was around eighty degrees. 114 00:06:06.800 --> 00:06:07.800 Temperatures are rolled down. 115 00:06:07.839 --> 00:06:10.120 So what time of year? What time of year was this? 116 00:06:10.720 --> 00:06:12.000 What time of year was it? 117 00:06:12.720 --> 00:06:17.759 So this was twenty twenty three and it was August. 118 00:06:17.439 --> 00:06:22.240 Fifth, August fifth, Oh good, you're very precise. 119 00:06:22.560 --> 00:06:26.519 Twenty twenty three. Took dog to the vet, Okay, got it. 120 00:06:27.879 --> 00:06:33.399 Then on the way home, stopped at the Okay, go 121 00:06:33.439 --> 00:06:35.480 on with your story. 122 00:06:35.560 --> 00:06:42.800 And so an animal protection officer came out and again rude, 123 00:06:42.920 --> 00:06:44.759 yelling at my wife, who was pregnant. We had our 124 00:06:44.800 --> 00:06:47.199 son with us, who was around a year old, yelling 125 00:06:47.199 --> 00:06:49.680 at both me and my wife in front of ourselves. 126 00:06:49.720 --> 00:06:50.680 What were they yelling at? 127 00:06:50.680 --> 00:06:52.879 What were they saying, Hey, this is too hot to 128 00:06:52.920 --> 00:06:53.879 have a dog in here. 129 00:06:54.079 --> 00:06:54.439 Whatever. 130 00:06:56.399 --> 00:07:01.040 Pretty much more of it was. And it's that you know, 131 00:07:01.120 --> 00:07:04.000 we were bad pet owners, that this is dangerous, that 132 00:07:04.519 --> 00:07:08.319 something could have happened to the dog, and that it 133 00:07:08.480 --> 00:07:12.800 was irresponsible. You should know better. What we recall the 134 00:07:12.839 --> 00:07:16.879 officer saying is that she said, let's stick your son 135 00:07:16.920 --> 00:07:20.720 in the car. See how long he lasts. The officer 136 00:07:20.879 --> 00:07:23.439 instructed us to sit into the car and roll up 137 00:07:23.480 --> 00:07:29.759 the windows to see how we like it. And so 138 00:07:30.040 --> 00:07:31.879 there wasn't. 139 00:07:30.680 --> 00:07:33.839 It got very It got very contentious. 140 00:07:34.240 --> 00:07:39.199 It got very contentious. 141 00:07:37.240 --> 00:07:39.920 Very contentious, and from the from the start. So the 142 00:07:39.959 --> 00:07:42.040 first thing that the officer said, all right. 143 00:07:42.000 --> 00:07:44.920 So what are you calling about today? This was August fifth, 144 00:07:44.959 --> 00:07:50.079 twenty twenty three. You're calling today, which is February fifth, 145 00:07:50.600 --> 00:07:53.319 twenty twenty five. What is the new development? 146 00:07:54.720 --> 00:07:55.480 So we had. 147 00:07:55.279 --> 00:08:00.319 A trial, and what. 148 00:08:00.279 --> 00:08:01.360 Were you charged with? 149 00:08:03.800 --> 00:08:06.040 Animal? The animal. 150 00:08:07.680 --> 00:08:10.040 Cruelty, the animal abuse. 151 00:08:09.720 --> 00:08:13.160 Cruelty, animal cruel Were you ticketed? 152 00:08:13.319 --> 00:08:15.600 Were you ticketed? Or did they take the dog? 153 00:08:16.120 --> 00:08:18.680 What happened that day? 154 00:08:18.879 --> 00:08:22.759 So it was a summon, So it was over forty 155 00:08:22.800 --> 00:08:27.319 minutes of the officer doing what they felt that they 156 00:08:27.399 --> 00:08:27.879 needed to do. 157 00:08:28.439 --> 00:08:32.519 So you were ticketed for animal cruelty. Now, normally it 158 00:08:32.559 --> 00:08:36.679 goes to hearing way sooner than two years later. So 159 00:08:37.240 --> 00:08:41.080 when did it? So have you been appealing and fighting this? 160 00:08:41.200 --> 00:08:43.279 I mean, why is it going on so long? 161 00:08:44.399 --> 00:08:49.440 So the trial itself wasn't until November of last year, so. 162 00:08:50.799 --> 00:08:54.200 They didn't offer any kind of plea, bargain or anything. 163 00:08:55.840 --> 00:08:55.960 No. 164 00:08:56.639 --> 00:09:01.559 So the first day that I went to the summon, 165 00:09:02.919 --> 00:09:08.159 I am a licensed profession in the city of Denver 166 00:09:08.440 --> 00:09:10.000 and part of the renewal for that. 167 00:09:10.039 --> 00:09:10.960 All right, hold on, I'm. 168 00:09:10.840 --> 00:09:12.639 Gonna take a break and I'm gonna hear your story 169 00:09:12.639 --> 00:09:14.840 coming back on. Tom Martino three oh three seven, one 170 00:09:14.840 --> 00:09:19.879 three eight two five five Go with a sure thing 171 00:09:20.000 --> 00:09:22.799 Denver's best roofer Excel Roofing dot com. 172 00:09:22.840 --> 00:09:24.879 You don't pay a cent until you're content. 173 00:09:28.240 --> 00:09:31.440 Time for an insurance check up free no obligation comparison 174 00:09:31.559 --> 00:09:35.120 call Compass Insurance paying too much your coverage at dozens 175 00:09:35.159 --> 00:09:37.879 of insurance companies find out now three oh three seven 176 00:09:37.960 --> 00:09:40.799 seven to one help. You'll think you're his only customer 177 00:09:40.840 --> 00:09:43.080 when you choose Frank durand the real estate man dot 178 00:09:43.120 --> 00:09:46.440 com to list your home with Remax Alliance three oh 179 00:09:46.480 --> 00:09:52.399 three nine two zero sixteen twenty two. I'm Tom Martino, 180 00:09:52.440 --> 00:09:54.840 your troubleshooter three oh three seven one three talks seven 181 00:09:54.879 --> 00:09:56.840 one three eight two five five. All right, now, before 182 00:09:56.879 --> 00:10:00.559 I go back to my uh anial, protect an issue 183 00:10:00.600 --> 00:10:03.480 really quick. Brian the mouse guy, I just want to 184 00:10:03.519 --> 00:10:08.080 ask you do those sonic ultrasound things work to get 185 00:10:08.200 --> 00:10:10.200 rid of critters, mice and stuff? 186 00:10:15.840 --> 00:10:19.759 For about what will happen is about two weeks into it, 187 00:10:19.799 --> 00:10:21.240 they get used to it and they come back in 188 00:10:22.360 --> 00:10:23.799 so they really don't worry. 189 00:10:23.799 --> 00:10:27.080 So it does initially wait a minute, Initially it does 190 00:10:27.200 --> 00:10:28.559 have some kind. 191 00:10:30.279 --> 00:10:33.679 Yes, it's an irritant. It's an irritant. They're not sure 192 00:10:33.679 --> 00:10:35.799 what it is. It's like if you walk into a 193 00:10:35.879 --> 00:10:37.440 room with a high pitched noise. You're not going to 194 00:10:37.559 --> 00:10:39.480 scam in it for any length of time. 195 00:10:40.600 --> 00:10:42.039 I get it. But then they get used to it 196 00:10:42.080 --> 00:10:44.000 and they come back when they know it's not a danger. 197 00:10:44.039 --> 00:10:46.000 They come back correct. 198 00:10:46.919 --> 00:10:49.919 All right, Hey, thank you, Brian. Appreciate it. Now, Jared, 199 00:10:50.000 --> 00:10:51.679 you have a comment on this animal case? 200 00:10:51.720 --> 00:10:52.279 What is it? 201 00:10:53.879 --> 00:10:54.120 Yeah? 202 00:10:54.519 --> 00:10:56.399 How you doing? Tom? I just I got to agree 203 00:10:56.440 --> 00:10:59.759 with the animal officer on this one. You know, you 204 00:11:00.159 --> 00:11:02.679 can't leave your dog in the car an eighty degrees day. 205 00:11:03.080 --> 00:11:05.159 You know how hot is it in that car? I mean, 206 00:11:05.399 --> 00:11:07.000 if he wouldn't leave his kid in the car, why 207 00:11:07.000 --> 00:11:08.480 would he leave his dog in the car. 208 00:11:09.240 --> 00:11:11.360 I think he said the windows were open and it 209 00:11:11.399 --> 00:11:14.440 was just yet. Look, I'm not you're right, Jared. I 210 00:11:14.440 --> 00:11:17.639 imagine that the officer. I'm happy they're doing their job. 211 00:11:17.840 --> 00:11:20.440 What I don't understand is what Scott's calling about right now? 212 00:11:20.480 --> 00:11:23.559 So Scott, you can finish your story. So in August 213 00:11:23.639 --> 00:11:25.639 of twenty three, you got the ticket. It finally went 214 00:11:25.679 --> 00:11:29.399 to court. You were ticketed for animal cruelty. And what's 215 00:11:29.440 --> 00:11:29.840 going on? 216 00:11:31.480 --> 00:11:37.720 And so the issue with the case is, so the 217 00:11:37.759 --> 00:11:41.240 officer did come out, they did take measurements of the car, 218 00:11:41.320 --> 00:11:42.559 and they testified twice. 219 00:11:42.559 --> 00:11:45.799 There's a motion hearings person and at the trial, the 220 00:11:46.039 --> 00:11:49.480 dog was not exhibiting any signs of distress. The dog 221 00:11:49.559 --> 00:11:53.480 was sitting up right with alert that they were attempted 222 00:11:53.559 --> 00:11:56.039 to the officer. The officer testified that they saw no 223 00:11:56.120 --> 00:11:57.879 reason to get the dog out of the car in 224 00:11:57.919 --> 00:12:00.840 Tishade to provide the dog with water. They saw no 225 00:12:00.960 --> 00:12:03.200 reason for them to intervene on the dog's behalf. The 226 00:12:03.279 --> 00:12:10.480 lug was healthy, that there wasn't anything that concerned them. 227 00:12:09.000 --> 00:12:10.679 The issue with the case. 228 00:12:10.759 --> 00:12:14.840 So when I complained about the officer's behavior to Denver 229 00:12:14.879 --> 00:12:18.080 Animal Protection, they increase the charges against me, so that 230 00:12:18.120 --> 00:12:20.639 not only are we doing animal cruelty but also doing 231 00:12:20.679 --> 00:12:22.799 animal neglegs that. 232 00:12:23.039 --> 00:12:23.840 Yeah, they you know. 233 00:12:23.799 --> 00:12:26.720 What they they often do that. They often do that. 234 00:12:26.840 --> 00:12:32.320 I'm sorry they do yeah, and so, and they do 235 00:12:32.440 --> 00:12:35.200 that with traffic and everything. They what they try to 236 00:12:35.240 --> 00:12:36.960 do is say, look, if we're gonna go to court 237 00:12:37.000 --> 00:12:41.000 anyway and expend the money, let's uh, let's just do 238 00:12:41.120 --> 00:12:43.759 whatever we need to do. I know people think it's 239 00:12:43.799 --> 00:12:46.559 a punishment, and it kind of is. But but what 240 00:12:46.600 --> 00:12:48.879 they're saying is, if we're going to go to court, 241 00:12:48.960 --> 00:12:52.759 let's fight, and we may as well fight all the charges. 242 00:12:52.840 --> 00:12:56.840 So anyway, let's speed forward to the issue today that 243 00:12:56.919 --> 00:13:02.759 makes you call because so far, nothing really out of order. 244 00:13:03.559 --> 00:13:06.519 I'm not saying necessarily that you should be happy with 245 00:13:06.639 --> 00:13:09.279 him or agree with him, but nothing out of order. 246 00:13:09.480 --> 00:13:12.759 You got a ticket, it went to court. So now 247 00:13:13.360 --> 00:13:14.440 where where do we stand? 248 00:13:15.919 --> 00:13:22.519 So with the decision from the court, what was the sentence? 249 00:13:24.120 --> 00:13:29.799 So with with adding the animal cruelty to the animal 250 00:13:29.840 --> 00:13:37.480 neglect charge, there is something that says that when you. 251 00:13:37.519 --> 00:13:38.879 Were you found guilty, Scott. 252 00:13:40.480 --> 00:13:43.759 The yes, the judge ruled guilty. 253 00:13:44.600 --> 00:13:44.919 Scott. 254 00:13:45.080 --> 00:13:46.799 I am okay, I listen. 255 00:13:46.840 --> 00:13:49.080 I know you're struggling with this man, but I need 256 00:13:49.120 --> 00:13:51.440 information because I know what you're doing. You don't want 257 00:13:51.440 --> 00:13:53.360 to tell me stuff you disagree with, but I need 258 00:13:53.399 --> 00:13:55.320 to know you were convicted. 259 00:13:54.840 --> 00:13:55.200 Of what. 260 00:13:56.759 --> 00:13:57.240 Animal? 261 00:13:59.559 --> 00:14:00.399 Animal cruelty? 262 00:14:01.919 --> 00:14:02.240 Okay? 263 00:14:02.360 --> 00:14:03.080 Anything else? 264 00:14:04.519 --> 00:14:04.759 Nope? 265 00:14:05.600 --> 00:14:07.200 The judge just okay, So. 266 00:14:07.159 --> 00:14:10.320 What do you okay? So, so are are you appealing it? 267 00:14:11.559 --> 00:14:14.480 Yes, Scott? 268 00:14:14.799 --> 00:14:16.679 And where where does it stand right now? 269 00:14:18.000 --> 00:14:19.320 We're in the appeals process? 270 00:14:19.480 --> 00:14:24.000 Dog? Okay? What were you going to say? Bo Scott? 271 00:14:24.240 --> 00:14:27.240 Did day confiscate the dog? Do you have your dog? 272 00:14:28.440 --> 00:14:29.399 We still have the dog. 273 00:14:29.679 --> 00:14:32.399 You don't have your Oh they took it away, so 274 00:14:32.600 --> 00:14:34.399 is your dog? 275 00:14:34.440 --> 00:14:35.840 They did not confiscate the dog. 276 00:14:35.879 --> 00:14:37.279 We still have the dogs. 277 00:14:38.039 --> 00:14:42.000 Okay, okay, So what are you calling about? Scott, what 278 00:14:42.080 --> 00:14:43.600 can we help you with if anything? 279 00:14:45.120 --> 00:14:52.279 So, with the conviction of the animal cruelty, our son 280 00:14:52.440 --> 00:14:56.399 was born last March. He was born with special needs, 281 00:14:57.559 --> 00:15:02.360 art defects, stuff like that. I ended my job in 282 00:15:02.440 --> 00:15:05.559 order to be an own caregiver for our son. With 283 00:15:05.720 --> 00:15:10.120 a charge of animal cruelty, I cannot be a caregiver 284 00:15:10.360 --> 00:15:13.320 for a population that. 285 00:15:13.639 --> 00:15:18.200 Really wait wait, wait, so wait a minute, you're not allowed. 286 00:15:18.440 --> 00:15:22.320 Let me get this straight. You're not allowed to care 287 00:15:22.440 --> 00:15:23.600 for your son at home. 288 00:15:25.159 --> 00:15:28.600 I am not allowed to be a licensed caregiver for 289 00:15:28.799 --> 00:15:32.919 vulnerable Okaya as a conviction of and you. 290 00:15:32.440 --> 00:15:34.559 Hold on, you wanted Scott, I got to get the 291 00:15:34.600 --> 00:15:38.000 whole picture. You you were trying to get a license, 292 00:15:38.639 --> 00:15:41.639 so when you care for your son, you could be reimbursed. 293 00:15:41.720 --> 00:15:42.440 Is that correct? 294 00:15:42.720 --> 00:15:43.159 Correct? 295 00:15:43.840 --> 00:15:44.600 Being a license? 296 00:15:44.879 --> 00:15:49.039 Okay, an assistant, I get that, man, I get that. 297 00:15:49.240 --> 00:15:52.399 So now you want to change this career because of 298 00:15:52.440 --> 00:15:57.200 your son and and and your life's changes, and this 299 00:15:57.360 --> 00:16:01.759 conviction truly truly keeps you from doing that. 300 00:16:01.919 --> 00:16:02.440 Wow. 301 00:16:06.159 --> 00:16:08.440 And I know that we're getting into a little. 302 00:16:08.240 --> 00:16:12.919 Bit of the thicket here, but with the case, no, no, 303 00:16:13.080 --> 00:16:18.000 I understand exactly. I understand exactly why you're concerned whether 304 00:16:18.039 --> 00:16:20.039 it's your son or not. You want to be a 305 00:16:20.120 --> 00:16:23.360 licensed caregiver, and you can't. 306 00:16:25.159 --> 00:16:25.559 Correct. 307 00:16:26.200 --> 00:16:29.120 Is this for life? 308 00:16:29.840 --> 00:16:32.360 And so it will be on my record for a 309 00:16:32.639 --> 00:16:35.960 minimum of three years. During those three years I can't. 310 00:16:37.000 --> 00:16:40.519 I can then try to get it off of my record, 311 00:16:41.320 --> 00:16:44.559 and then when you go and get licensed, they will 312 00:16:44.559 --> 00:16:48.879 still do a background check and depending on how deep 313 00:16:48.960 --> 00:16:49.720 that goes. 314 00:16:49.879 --> 00:16:53.000 And you know what, No, I'm serious when you look 315 00:16:53.039 --> 00:16:56.039 at the substance of this whole thing, leaving the dog 316 00:16:56.440 --> 00:16:59.000 with the window open, they didn't even think the dog 317 00:16:59.080 --> 00:17:00.600 needed any assistance. 318 00:17:00.919 --> 00:17:02.360 But I mean, I'm not saying. 319 00:17:02.120 --> 00:17:04.920 People should do this, okay, but for that to make 320 00:17:04.960 --> 00:17:08.559 a life impact like this, you would think there should 321 00:17:08.599 --> 00:17:14.079 be some way to get this expunged or something. What 322 00:17:14.160 --> 00:17:17.839 do you think about this, sus. 323 00:17:17.200 --> 00:17:19.279 I don't know. I mean, like a lot of our 324 00:17:19.319 --> 00:17:22.400 YouTube es are saying, like, if there is enough time 325 00:17:22.400 --> 00:17:24.839 for animal control to come out, that dog was in 326 00:17:24.880 --> 00:17:28.200 the car for quite some time, So it's like, okay, 327 00:17:28.359 --> 00:17:28.920 but was. 328 00:17:28.880 --> 00:17:31.960 The dog on an eighty degree day with the window open? 329 00:17:32.079 --> 00:17:34.000 How much was the window open? By the way, I'm 330 00:17:34.000 --> 00:17:36.279 just curious. Look, and I'm not making excuses for this guy. 331 00:17:36.319 --> 00:17:37.519 I want to make that very clear. 332 00:17:37.799 --> 00:17:40.000 It pisses me off when I see this, But does 333 00:17:40.039 --> 00:17:42.680 he deserve a life sentence? I mean when you take 334 00:17:42.720 --> 00:17:46.759 into consideration now, if this guy was fighting dogs and 335 00:17:46.880 --> 00:17:50.960 regularly abusing animals, I would say, no way, can you 336 00:17:51.039 --> 00:17:53.640 be a caregiver? You can't even care for dogs. But 337 00:17:53.759 --> 00:17:57.519 if this was truly a one time thing, I mean, 338 00:17:57.559 --> 00:17:59.200 I don't know was it a one time thing? 339 00:17:59.279 --> 00:18:00.920 Have you ever been in trouble before? 340 00:18:01.119 --> 00:18:02.640 See if we got to take a break and we'll 341 00:18:02.640 --> 00:18:03.640 talk about it coming back. 342 00:18:03.680 --> 00:18:05.640 I'm Tom Martino three oh three seven. 343 00:18:05.440 --> 00:18:09.799 One three eight two five five Knah Home Solutions, the 344 00:18:09.920 --> 00:18:13.720 people with heritage and great products, and I urge you 345 00:18:13.759 --> 00:18:15.799 to call them three oh three four two one seventy 346 00:18:15.839 --> 00:18:22.039 one hundred go with a sure thing Denver's Best Roofer 347 00:18:22.160 --> 00:18:23.640 Excel Roofing dot com. 348 00:18:23.680 --> 00:18:26.200 You don't pay a cent until you're contenth. 349 00:18:29.079 --> 00:18:32.279 Time for an insurance check up, free no obligation comparison 350 00:18:32.400 --> 00:18:35.960 call Compass Insurance paying too much your coverage at dozens 351 00:18:35.960 --> 00:18:38.680 of insurance companies find out now three oh three seven 352 00:18:38.799 --> 00:18:41.599 seven to one help. You'll think you're his only customer 353 00:18:41.640 --> 00:18:43.920 when you choose Frank durand the real estate Man dot 354 00:18:43.920 --> 00:18:47.279 com to list your home with Remax Alliance three oh 355 00:18:47.279 --> 00:18:52.000 three nine two zero sixteen twenty two. Hey Tom Martino 356 00:18:52.039 --> 00:18:54.319 here three oh three seven one three talks seven one 357 00:18:54.359 --> 00:18:57.839 three eight two five five. Welcome to the only show 358 00:18:57.839 --> 00:19:00.039 of us kind anywhere in the universe. Frank ran In 359 00:19:00.079 --> 00:19:02.160 the real Estate Man. Call him right now if you 360 00:19:02.160 --> 00:19:03.759 want to know what your house will sell for. You know, 361 00:19:03.799 --> 00:19:06.039 I've been thinking about it. I've been think you know what, 362 00:19:06.599 --> 00:19:08.279 Maybe I do want to get out of Dodge and 363 00:19:08.759 --> 00:19:13.000 get somewhere in a smaller neighborhood somewhere, and how about 364 00:19:13.000 --> 00:19:14.480 starting his home studio all over again. 365 00:19:14.559 --> 00:19:15.160 I'm just kidding. 366 00:19:15.200 --> 00:19:17.039 If you want to get a price for your house 367 00:19:17.319 --> 00:19:19.279 and what it will sell for, Frank will do that 368 00:19:19.359 --> 00:19:22.319 analysis free of charge. Three h three nine to zero, 369 00:19:22.440 --> 00:19:24.759 sixteen twenty two. Franc Rund the real estate Man dot com. 370 00:19:24.759 --> 00:19:26.720 And speaking of that, John Clays, I just want to 371 00:19:26.720 --> 00:19:30.119 ask you something real quick. We talk about reverse loans, 372 00:19:30.160 --> 00:19:35.160 and I want to ask something. If somebody wants to 373 00:19:35.200 --> 00:19:38.400 buy a house, can a reverse loan be put on 374 00:19:38.480 --> 00:19:39.279 a new house? 375 00:19:39.880 --> 00:19:40.880 How would that work? 376 00:19:41.519 --> 00:19:44.400 Yes? Actually it's becoming quite popular because people, you know, 377 00:19:44.480 --> 00:19:47.799 selling getting equity but so you would still do the reverse. 378 00:19:47.880 --> 00:19:50.599 So you know, Ballpark, you're going to have to put 379 00:19:50.680 --> 00:19:54.519 down about about sixty percent of the price of the 380 00:19:54.559 --> 00:19:58.359 house to qualify for the reverse purchase. But yes, a lot, yes, 381 00:19:58.400 --> 00:20:00.720 a lot of people are doing it. It's just like 382 00:20:00.759 --> 00:20:03.400 a reverse mortgage, but for a purchase. So works just 383 00:20:03.480 --> 00:20:06.359 like a regular purchase, but your own reverse. But it's 384 00:20:06.599 --> 00:20:07.079 so so. 385 00:20:07.000 --> 00:20:09.599 Then they move in and they can have that line 386 00:20:09.599 --> 00:20:12.039 of credit just sit there. They don't need it right away, 387 00:20:12.039 --> 00:20:14.079 but if they need it, they can tap it. But 388 00:20:14.160 --> 00:20:16.160 if they're going to be in that house, they don't 389 00:20:16.200 --> 00:20:18.720 ever have to worry about making a payment, never have. 390 00:20:18.680 --> 00:20:20.359 To worry about making the payment. All they got to 391 00:20:20.400 --> 00:20:23.839 do is pay their property taxes and homeowers insurance, and yeah, 392 00:20:23.880 --> 00:20:25.680 they live there for the rest of their life without 393 00:20:25.720 --> 00:20:26.200 making them money. 394 00:20:26.240 --> 00:20:28.799 Are you allowed to use the proceeds of the loan 395 00:20:29.039 --> 00:20:31.720 or the line of credit to pay for taxes and insurance? 396 00:20:32.519 --> 00:20:35.839 You can? So, just just to be clear, So say 397 00:20:35.839 --> 00:20:37.720 you were buying a house and you paid off who 398 00:20:37.759 --> 00:20:40.000 you're going to bring all cash. Now you would have 399 00:20:40.279 --> 00:20:42.799 the line of credit would be about forty percent of that, 400 00:20:43.039 --> 00:20:45.400 so you're going to but you would have equity of 401 00:20:45.400 --> 00:20:46.759 that to pay any bills you wanted. 402 00:20:46.759 --> 00:20:51.000 So, yes, you're good, all right, that's CMG mortgage, of course, 403 00:20:51.039 --> 00:20:53.839 CMG Financial. I'm going to go back now. So Scott, 404 00:20:54.200 --> 00:20:56.160 I don't know what to do about this man. Have 405 00:20:56.279 --> 00:20:59.119 you inquired with an attorney? Did you have an attorney 406 00:20:59.119 --> 00:20:59.960 through this process? 407 00:21:00.039 --> 00:21:00.119 Yes? 408 00:21:02.079 --> 00:21:02.519 I did. 409 00:21:02.640 --> 00:21:06.039 I started with an attorney, but because I mean, we 410 00:21:06.079 --> 00:21:08.599 had to take open up a new credit card because 411 00:21:08.960 --> 00:21:12.880 of the costs, and we max it out, and so 412 00:21:12.960 --> 00:21:18.039 I ended up defending myself at trial. I with all 413 00:21:18.160 --> 00:21:22.240 the costs, especially with you know, our son. We're trying 414 00:21:22.240 --> 00:21:27.599 to figure out how to navigate this, and you know, 415 00:21:27.680 --> 00:21:31.680 I agree with you. I would never intentionally harm my dog. 416 00:21:31.759 --> 00:21:34.359 The officer stated that they never saw anything wrong with 417 00:21:34.400 --> 00:21:38.119 the dog. My issue is the officer in the report 418 00:21:38.200 --> 00:21:40.599 said that the temperatures that they were measuring were the 419 00:21:40.720 --> 00:21:43.359 ambient air temperatures inside the car. They were using a 420 00:21:43.400 --> 00:21:46.400 laser guns. They didn't use it properly. I couldn't submit 421 00:21:46.519 --> 00:21:48.119 any of that evidence about the user. 422 00:21:48.400 --> 00:21:52.319 But but it's over, Bro, It's but it's over. I mean, 423 00:21:52.480 --> 00:21:54.440 you appeal it, but it's over. I think you're going 424 00:21:54.519 --> 00:21:56.680 to lose the appeal What I want to know is this, 425 00:21:56.839 --> 00:21:57.519 be honest with me. 426 00:21:57.559 --> 00:21:58.599 I want to know. 427 00:21:58.960 --> 00:22:01.200 Did they offer you something that wouldn't have been a 428 00:22:01.200 --> 00:22:04.799 full fledged conviction and you just wanted to fight it? 429 00:22:04.920 --> 00:22:07.359 I mean, did they offer something less. 430 00:22:08.400 --> 00:22:11.680 No, I had to plead guilty, and that guilty tree 431 00:22:12.160 --> 00:22:14.559 is what would impact my ability to be licensed. 432 00:22:14.680 --> 00:22:17.400 But did they would they make it? Would they make 433 00:22:17.440 --> 00:22:18.680 it a lesser charge? 434 00:22:20.799 --> 00:22:24.200 No, I would have to plead guilty to animal cruelty, 435 00:22:24.240 --> 00:22:27.480 which would no longer allow me to be a caregiver 436 00:22:27.640 --> 00:22:32.079 for a full vulnerable population. I get it, man, they 437 00:22:32.279 --> 00:22:32.640 knew that. 438 00:22:32.720 --> 00:22:33.000 I don't. 439 00:22:33.079 --> 00:22:35.799 I don't have an answer for you, Scott, Scott, what 440 00:22:35.880 --> 00:22:36.599 were you hoping? 441 00:22:36.680 --> 00:22:38.759 And I always ask this because I really mean this. 442 00:22:39.160 --> 00:22:41.039 What were you hoping we could find out for you 443 00:22:41.160 --> 00:22:42.480 that that you can get this. 444 00:22:42.559 --> 00:22:43.640 Reversed or something? 445 00:22:43.960 --> 00:22:46.559 I mean you you are going through an appeals process? 446 00:22:49.119 --> 00:22:52.640 Yeah, And I guess part of it is that I 447 00:22:52.680 --> 00:22:55.960 am at my I don't know what to do with this. 448 00:22:56.160 --> 00:22:57.359 You know, I I'm trying. 449 00:22:57.440 --> 00:22:59.279 Well, you're not going to get if you're you're not 450 00:22:59.319 --> 00:23:01.839 going to get free legal help. I know that you're 451 00:23:01.839 --> 00:23:05.079 appealing to us because your son has special needs. I 452 00:23:05.119 --> 00:23:09.680 need to ask a question. Were you planning and I 453 00:23:09.680 --> 00:23:11.720 don't care if you were, there's nothing wrong with it. 454 00:23:11.799 --> 00:23:14.359 Were you planning on using your CNA to care for 455 00:23:14.440 --> 00:23:15.759 your son and be reimbursed. 456 00:23:17.039 --> 00:23:20.200 Yes, A lot of parents. 457 00:23:19.960 --> 00:23:21.880 Do this, and I want to explain this to those 458 00:23:21.960 --> 00:23:24.519 listening so they don't think it's some kind of scam. 459 00:23:24.759 --> 00:23:27.039 A lot of parents think if I have to take 460 00:23:27.079 --> 00:23:31.319 off work anyway and take care of my special needs child, 461 00:23:31.920 --> 00:23:34.039 at least I don't have to lose one hundred percent 462 00:23:34.079 --> 00:23:37.160 of my income because if I had to hire someone, 463 00:23:37.640 --> 00:23:40.519 we'd have to pay. So if I get my license, 464 00:23:41.000 --> 00:23:43.000 I can do it and get reimbursed. 465 00:23:43.319 --> 00:23:45.160 Obviously, you'd probably take a big. 466 00:23:45.000 --> 00:23:47.599 Cut and pay from what you're making, but you wanted 467 00:23:47.640 --> 00:23:50.000 to take care of your son. I don't know what 468 00:23:50.079 --> 00:23:52.279 to say about it, man, Honest to god, I just 469 00:23:52.319 --> 00:23:55.640 don't know what to say about it, because there's no 470 00:23:55.720 --> 00:23:57.920 answer right now. You're going to have to either wait 471 00:23:58.000 --> 00:24:01.240 until it's expunged or or until it drops off, or 472 00:24:01.279 --> 00:24:03.440 you're going to have to get it expunged, which is 473 00:24:03.480 --> 00:24:06.200 going to be expensive, or you're going to have to 474 00:24:06.240 --> 00:24:10.119 win the appeal. There really is no answer here that 475 00:24:10.200 --> 00:24:10.640 you like. 476 00:24:14.400 --> 00:24:16.359 I wonder if you judge to say, and then I 477 00:24:16.400 --> 00:24:16.880 have to move on. 478 00:24:16.960 --> 00:24:19.559 Go ahead this real quick, Scott bo go what I 479 00:24:19.599 --> 00:24:20.839 would do. 480 00:24:20.839 --> 00:24:24.960 Do your appeal, but go ahead and take on the conviction. 481 00:24:25.200 --> 00:24:28.480 But just tell the judge because of your circumstances with 482 00:24:28.599 --> 00:24:30.680 your son, you can't get this last. 483 00:24:30.920 --> 00:24:33.640 Did you explain that to the judge? 484 00:24:35.160 --> 00:24:35.799 I did. 485 00:24:36.240 --> 00:24:42.920 And the reason for the appeal and the grounds for 486 00:24:42.960 --> 00:24:46.279 the appeal is again what the judge convicted on. The 487 00:24:46.319 --> 00:24:50.640 prosecutor said that they would not go after and so 488 00:24:50.839 --> 00:24:51.599 I'm not asking. 489 00:24:51.759 --> 00:24:54.480 I'm not asking if you asked the judge to retry it. 490 00:24:55.000 --> 00:24:58.160 I'm asking if you explained to the judge the special 491 00:24:58.200 --> 00:25:01.000 circumstances the judge is not to retry the case. 492 00:25:01.039 --> 00:25:04.960 Okay, correct, yep, And I did. I explained it at 493 00:25:05.319 --> 00:25:07.519 the time. I explained it before she did the sentence 494 00:25:07.519 --> 00:25:10.720 seem that this is why I could not accept the 495 00:25:10.759 --> 00:25:13.400 initial when you show up for your okay, I get it. 496 00:25:13.920 --> 00:25:16.559 Well, man, they must think this is a pretty damn 497 00:25:16.599 --> 00:25:17.319 severe case. 498 00:25:17.519 --> 00:25:19.480 That's all I can say. They must. 499 00:25:20.200 --> 00:25:23.039 And Scott, I know that you have evidence that says 500 00:25:23.480 --> 00:25:26.920 that the cops saw no big or the enforcement officer 501 00:25:27.279 --> 00:25:29.759 saw no need for assistance and all that, But I 502 00:25:29.759 --> 00:25:31.680 don't know what else to tell you. Mark, Do you 503 00:25:31.680 --> 00:25:34.519 have any ideas? Sore's any ideas? Where do we get 504 00:25:34.640 --> 00:25:35.480 Joe Lazaron? 505 00:25:35.720 --> 00:25:37.960 Could we could ask him if he has an opinion 506 00:25:38.000 --> 00:25:38.279 on it? 507 00:25:38.319 --> 00:25:43.119 Time, Let's do it. Okay, let's just Scott, we'll call 508 00:25:43.160 --> 00:25:43.480 you back. 509 00:25:43.559 --> 00:25:46.000 Let's try to get that. Let's try to get some 510 00:25:46.000 --> 00:25:49.079 some experts on here. Hey, Adam, you have a comment 511 00:25:49.119 --> 00:25:51.039 on property taxes? What's going on? Man? 512 00:25:51.920 --> 00:25:55.359 That's only I'm a couple of acres in Pueblo, West Colorado, 513 00:25:55.440 --> 00:26:00.279 and I just got my cask bill. And what aims 514 00:26:00.319 --> 00:26:03.079 that they did is I own one lot that has 515 00:26:03.079 --> 00:26:06.640 a house on it. One lot is an empty residential lot. 516 00:26:07.079 --> 00:26:11.240 They have seen to change the residential lot to what 517 00:26:11.319 --> 00:26:14.960 they call vacant land, and they're now taxing at twenty 518 00:26:15.000 --> 00:26:17.799 seven and a half percent versus the seven and a 519 00:26:17.839 --> 00:26:19.319 half percent as last year. 520 00:26:21.240 --> 00:26:27.559 Okay, a vacant lot is vacant land and they're not 521 00:26:27.599 --> 00:26:31.519 going to be taxed. Well, it's a residential lot, that's right. 522 00:26:31.839 --> 00:26:37.000 Are you telling me that a residential lot? See, a 523 00:26:37.039 --> 00:26:42.400 residential lot is usually only taxed as a residential lot. 524 00:26:42.519 --> 00:26:48.119 Hold on, man, A residential lot is only a temporary 525 00:26:48.200 --> 00:26:52.759 designation while you're building or about to build, or plan 526 00:26:52.880 --> 00:26:56.920 to build. If you do not, if you have it 527 00:26:56.960 --> 00:26:59.200 as extra land, it's going to be vacant. 528 00:27:01.279 --> 00:27:06.839 Even if it's a residence. But you know it's good. 529 00:27:08.799 --> 00:27:10.880 No, I want to hear what your reasoning is. I mean, 530 00:27:11.279 --> 00:27:12.759 you have it, is it? 531 00:27:12.799 --> 00:27:13.160 Is it? 532 00:27:13.319 --> 00:27:15.680 Do you plan on selling it or building on it? 533 00:27:16.640 --> 00:27:21.480 I eventually plan on building on it, but not anytime 534 00:27:21.519 --> 00:27:22.440 in the near future. 535 00:27:23.839 --> 00:27:26.920 Then it's vacant land. I know you don't like that idea, 536 00:27:27.000 --> 00:27:27.400 but it. 537 00:27:27.359 --> 00:27:31.480 Is, even though I have loaned it for ten years 538 00:27:31.480 --> 00:27:35.640 and it's always been taxed as a residential lock. 539 00:27:37.000 --> 00:27:40.480 No, that's very that's very unusual that they let you 540 00:27:40.519 --> 00:27:41.799 get away with it that long. 541 00:27:41.839 --> 00:27:44.680 And I'm going to tell you something. It depends. 542 00:27:45.440 --> 00:27:48.599 It depends on the assessor's office and how they handle it. 543 00:27:49.160 --> 00:27:52.200 I'm not telling you I agree with them. I mean 544 00:27:52.240 --> 00:27:54.880 you might be able to appeal it, Adam and win. 545 00:27:57.119 --> 00:28:00.400 Well, I think I can't because they're quoting so new 546 00:28:00.480 --> 00:28:04.279 Supreme Court that got passed here in Colorado that is 547 00:28:04.319 --> 00:28:06.880 saying they have the right to claim it all as 548 00:28:07.000 --> 00:28:09.319 vacant land, even though it's that's right. 549 00:28:09.400 --> 00:28:14.440 Please, that's right. That's exactly now. 550 00:28:14.519 --> 00:28:19.599 No, no, if you made it as one lot, that's 551 00:28:19.640 --> 00:28:21.720 not true. I got to take a break. I'll explain 552 00:28:21.759 --> 00:28:24.079 it to you. Three oh three seven to one three 553 00:28:24.599 --> 00:28:27.119 eight two five five eight eight eight. Heating dot com 554 00:28:27.119 --> 00:28:29.720 will get you high efficiency units at the best price 555 00:28:29.839 --> 00:28:33.079 ever three oh three seven seven zero two seven seven six. 556 00:28:33.279 --> 00:28:35.440 If you're looking to save thirty forty percent a month 557 00:28:35.480 --> 00:28:41.759 eight eight eight heating dot com go with a sure 558 00:28:41.839 --> 00:28:44.960 thing Denver's best roofer Excel Roofing dot com. 559 00:28:45.000 --> 00:28:47.000 You don't pay a cent until you're content. 560 00:28:50.400 --> 00:28:53.960 Time for an insurance checkup, free no obligation comparison call 561 00:28:54.039 --> 00:28:57.359 Compass Insurance Paying too much your coverage at dozens of 562 00:28:57.400 --> 00:29:00.359 insurance companies find out now three oh three seven seven 563 00:29:00.359 --> 00:29:03.119 to one help. You'll think you're his only customer when 564 00:29:03.160 --> 00:29:05.640 you choose Frank durand the real estate Man dot com 565 00:29:05.680 --> 00:29:08.000 to list your home with Remax Alliance. 566 00:29:08.240 --> 00:29:10.559 Three oh three nine two zero sixteen twenty two. 567 00:29:13.640 --> 00:29:16.720 I'm Tom Martino, your troubleshooter three all three seven one 568 00:29:16.799 --> 00:29:18.799 three talk seven one three each two five five. Joel 569 00:29:18.839 --> 00:29:21.680 Azara is a criminal defense attorney. He knows a lot 570 00:29:21.720 --> 00:29:25.799 about crime and all kinds of stuff. Listen, Joe in 571 00:29:25.839 --> 00:29:28.640 a nutshell, this guy left his dog in a car, 572 00:29:28.880 --> 00:29:31.960 went to home depot and got a ticket for animal cruelty. 573 00:29:32.000 --> 00:29:36.000 He was eventually convicted of animal cruelty while well, and 574 00:29:36.039 --> 00:29:38.119 by the way, the dog was not distressed and not 575 00:29:38.240 --> 00:29:40.680 died or anything, and people, you know, I don't agree 576 00:29:40.720 --> 00:29:43.160 with doing that at all, but it seems quite severe 577 00:29:43.559 --> 00:29:48.079 that after this conviction he cannot be as CNA. He 578 00:29:48.119 --> 00:29:51.759 wants to be a licensed caregiver, partially to help care 579 00:29:51.839 --> 00:29:54.599 for his own son and be reimbursed since he has 580 00:29:54.640 --> 00:29:59.160 to leave his job. Joe, they say, no, you're not qualified. 581 00:29:59.720 --> 00:30:03.119 Is it difficult to get that expunged? 582 00:30:05.559 --> 00:30:10.000 It is difficult in a tent that is generally a 583 00:30:10.000 --> 00:30:12.680 class one misdemeanor. That's what I'm assuming he pled to, 584 00:30:14.200 --> 00:30:19.799 but considering, you know, it's considering he's completed it and 585 00:30:19.920 --> 00:30:23.480 if his significant time has elapsed. There are different provisions. 586 00:30:23.519 --> 00:30:25.559 I would have to look up specifically whether or not 587 00:30:25.640 --> 00:30:27.960 you can feel that, but there are different provisions to 588 00:30:28.000 --> 00:30:30.720 get people a second chance. I don't know if that's 589 00:30:30.720 --> 00:30:32.799 something that's permitted to be sealed or not. 590 00:30:35.720 --> 00:30:36.000 Well. 591 00:30:36.359 --> 00:30:38.640 Other than that, Scott we don't know what to tell you, bro, 592 00:30:39.519 --> 00:30:42.279 And you can call Joe Lazara l A z Z 593 00:30:42.559 --> 00:30:43.160 A r A. 594 00:30:43.440 --> 00:30:45.119 Really he'll answer questions for you. 595 00:30:45.640 --> 00:30:47.400 And by the way, if you ever do hirements on 596 00:30:47.440 --> 00:30:51.599 a flat rate basis Lazara Legal dot com rate we 597 00:30:51.720 --> 00:30:54.920 find him at referralss dot com til three four six. 598 00:30:56.799 --> 00:31:00.720 Two hundred go ahead, Yes, hey, Joe. If this happened 599 00:31:00.759 --> 00:31:03.319 in Denver, I assume it's Denver only, so if he 600 00:31:03.359 --> 00:31:05.759 moved to Douglas County, it wouldn't follow him or how 601 00:31:05.759 --> 00:31:06.440 does that work? 602 00:31:07.920 --> 00:31:12.279 Well, what's interesting the conviction assuming it's a misdemeanor, and 603 00:31:12.319 --> 00:31:15.039 now it could be something less, but assuming it's a misdemeanor, 604 00:31:15.200 --> 00:31:17.720 it would follow him throughout the state. But if he's 605 00:31:17.799 --> 00:31:21.559 completed probation, the only thing that's saying he can't be 606 00:31:21.559 --> 00:31:25.920 a c CNA and licensed caregiver must be something either 607 00:31:25.960 --> 00:31:29.440 with regards to the CNA or the federal you know, 608 00:31:29.839 --> 00:31:32.039 being compensated as a caregiver. 609 00:31:32.599 --> 00:31:34.000 But it is just a. 610 00:31:34.160 --> 00:31:37.240 Generally, a misdemeanor has no real impact on you. 611 00:31:37.319 --> 00:31:39.720 That's weird, all right. 612 00:31:39.759 --> 00:31:42.720 I gotta move on to Adam real quick. Adams, listen, 613 00:31:42.759 --> 00:31:46.000 I did some research, thank you, Joe Adam, I did 614 00:31:46.039 --> 00:31:50.400 some research and I misunderstood what I was saying or 615 00:31:50.440 --> 00:31:53.200 what the rules are. Here are the rules. Listen carefully, 616 00:31:53.240 --> 00:31:59.000 this is really important. All lots, all lots are considered 617 00:31:59.079 --> 00:32:01.920 vacant land, all of them, whether they're going to be 618 00:32:02.000 --> 00:32:07.240 built on or not, they're all considered vacant land. Now, 619 00:32:08.000 --> 00:32:15.400 if your lot is contiguous to you the extra lot, 620 00:32:15.960 --> 00:32:21.359 and if both parcels have identical ownership, and if the 621 00:32:21.440 --> 00:32:26.960 other parcel will not be sold and will be used 622 00:32:27.519 --> 00:32:35.839 as one unit, then it should be taxed as residential land. 623 00:32:36.599 --> 00:32:39.680 All three of those apply. And they are still saying 624 00:32:39.759 --> 00:32:43.279 it is vacant land, and it is okay, and they 625 00:32:43.319 --> 00:32:47.279 have suddenly made this year and it's only made in 626 00:32:47.319 --> 00:32:48.240 Pueblo County. 627 00:32:49.599 --> 00:32:52.759 Okay, Well it's not only made in Pueblo County. According 628 00:32:52.799 --> 00:32:56.599 to this, they're doing it all over because people. What 629 00:32:57.359 --> 00:33:00.200 people were doing is land next to them, and they 630 00:33:00.240 --> 00:33:04.079 were calling part of their lot to get a lower rate. 631 00:33:04.680 --> 00:33:08.759 And what the Supreme Court decided in Mook versus the 632 00:33:08.799 --> 00:33:12.519 Board of County Commission of Summit County is that the 633 00:33:12.640 --> 00:33:17.160 land must be literally touching your land. It must be 634 00:33:17.240 --> 00:33:21.119 an extension of your land. It must have the exact 635 00:33:21.559 --> 00:33:27.960 same ownership, and it must be used together as a 636 00:33:28.039 --> 00:33:31.279 collective unit for one property. 637 00:33:31.799 --> 00:33:33.720 It's not going to be sold. 638 00:33:33.920 --> 00:33:36.160 You told me at the beginning of this you are 639 00:33:36.240 --> 00:33:37.480 someday going to build on it. 640 00:33:38.200 --> 00:33:40.279 I am. I am someday going to build a house 641 00:33:40.319 --> 00:33:41.960 for my son. I have two sons. 642 00:33:43.160 --> 00:33:44.680 Then that would be considered. 643 00:33:45.200 --> 00:33:48.160 Then it's then if that's your intent, it is vacant 644 00:33:48.240 --> 00:33:51.160 land right now, even. 645 00:33:50.920 --> 00:33:54.200 If currently it is used as a as a yard 646 00:33:54.319 --> 00:33:55.599 off the same property. 647 00:33:56.880 --> 00:34:00.680 Yes, because your intent is not to have it as 648 00:34:00.720 --> 00:34:04.519 a collective unit. Look, how would they even know that? 649 00:34:04.599 --> 00:34:05.440 Did you tell them that? 650 00:34:05.680 --> 00:34:05.799 No? 651 00:34:06.319 --> 00:34:08.400 No, but see that's just it is. No, they have 652 00:34:08.800 --> 00:34:11.800 just made this change this year to every lot you're 653 00:34:11.840 --> 00:34:13.360 in Pueblo County. 654 00:34:13.440 --> 00:34:17.360 Well, no, they're not the only one. Everyone has. 655 00:34:17.000 --> 00:34:20.719 It only is thirty seven acres in Costilla County that 656 00:34:21.320 --> 00:34:24.000 is vacant land or and they are still packing it 657 00:34:24.039 --> 00:34:25.079 at seven and a half. 658 00:34:24.840 --> 00:34:29.840 Of sent Okay, are they calling your thirty seven acres 659 00:34:30.199 --> 00:34:31.559 a residential lot? 660 00:34:32.679 --> 00:34:37.320 I do not exactly. I don't know what they're calling 661 00:34:37.400 --> 00:34:40.719 that one. But the one in Pueblo they are calling 662 00:34:40.840 --> 00:34:41.480 vacant life. 663 00:34:42.280 --> 00:34:45.199 In order I get it I get it. 664 00:34:45.280 --> 00:34:46.199 I get it at them. 665 00:34:46.519 --> 00:34:50.440 You can appeal it. According to the Supreme Court, they 666 00:34:50.519 --> 00:34:53.519 might be wrong. You can appeal it. It has to 667 00:34:53.559 --> 00:34:57.599 be connected. It has to be service one unit. It 668 00:34:57.679 --> 00:35:01.920 has to serve have exact own. That means not husband 669 00:35:01.920 --> 00:35:03.840 and wife on one and husband on another. 670 00:35:04.119 --> 00:35:05.239 It has to be exact. 671 00:35:05.559 --> 00:35:09.639 More coming up, Go with a sure thing Denver's Best 672 00:35:09.719 --> 00:35:11.679 Roofer Excel Roofing dot com. 673 00:35:11.719 --> 00:35:13.760 You don't pay a cent until you're content. 674 00:35:17.119 --> 00:35:20.320 Time for an insurance check up free, no obligation comparison 675 00:35:20.440 --> 00:35:24.000 call Compass Insurance paying too much your coverage at dozens 676 00:35:24.000 --> 00:35:26.760 of insurance companies find out now three oh three seven 677 00:35:26.840 --> 00:35:29.679 seven to one help. You'll think you're his only customer 678 00:35:29.679 --> 00:35:31.960 when you choose Frank Durand the real estate Man dot 679 00:35:32.000 --> 00:35:35.320 com to list your home with Remax Alliance three oh 680 00:35:35.360 --> 00:35:37.280 three nine two zero sixteen twenty two. 681 00:35:43.039 --> 00:35:48.400 Ripped of news need so you don't have. 682 00:35:50.559 --> 00:35:52.960 Come runnxious as fast as we can. 683 00:35:54.280 --> 00:35:56.199 Shooter's gonna help come. 684 00:35:57.760 --> 00:35:59.880 This is the Troubleshooter Show. 685 00:36:00.519 --> 00:36:06.280 No Tom Martino, Hey Tom Martino here, Welcome to the show. 686 00:36:06.320 --> 00:36:09.559 Three oh three seven one three talk seven one three 687 00:36:09.639 --> 00:36:12.559 eight two five five. We have a consumer show here 688 00:36:12.920 --> 00:36:15.079 that tries to help people each and every day and 689 00:36:15.119 --> 00:36:19.480 we love doing it. So thanks for being here. And uh, 690 00:36:19.639 --> 00:36:22.000 what I'd like to do is, uh go to the 691 00:36:22.039 --> 00:36:24.440 phones three oh three seven one three talk seven one 692 00:36:24.440 --> 00:36:27.039 three eight two five five. Of course we do that 693 00:36:27.119 --> 00:36:29.480 each and every day. And this hour brought to you 694 00:36:29.519 --> 00:36:33.119 by k H Home Solutions. If you want window siding, 695 00:36:33.199 --> 00:36:35.559 doors and more, go with the company that's been around 696 00:36:35.639 --> 00:36:38.159 sixty five years, three oh three four to one seventy 697 00:36:38.199 --> 00:36:44.360 one hundred. Now let's talk to you, Marianne. What's going on? 698 00:36:44.480 --> 00:36:47.280 What is this issue with a contractor? 699 00:36:47.360 --> 00:36:53.000 Marianne, Hi, thanks for taking my call. I purchased a 700 00:36:53.079 --> 00:36:58.320 home last June from my father in Park County, Colorado. 701 00:36:58.800 --> 00:37:02.840 It was an FHA low needed a new septic system. 702 00:37:03.639 --> 00:37:09.159 I found a contractor through originally called Premier Consulting and 703 00:37:09.320 --> 00:37:14.039 Construction and then changed over to KMA Professional Services midway 704 00:37:14.079 --> 00:37:16.119 through my contract with him. 705 00:37:16.119 --> 00:37:17.880 Hold on now, wait a minute, Wait a minute, Wait 706 00:37:17.880 --> 00:37:20.800 a minute, this is important, Marianne. This company that you 707 00:37:20.960 --> 00:37:24.079 hired to do a septic is that because it failed inspection? 708 00:37:25.719 --> 00:37:26.039 Yes? 709 00:37:27.599 --> 00:37:30.360 And was that FAHA said you needed a new one? 710 00:37:31.960 --> 00:37:34.960 Yes? No, the county said, I needed a new one, 711 00:37:35.440 --> 00:37:38.639 and they were going, well, I understand that. 712 00:37:38.840 --> 00:37:42.840 So when did they Here's what I don't understand. Normally, 713 00:37:42.840 --> 00:37:45.280 if you go buy a house, the only time the 714 00:37:45.320 --> 00:37:47.880 county would chime in about a sceptic is if you 715 00:37:48.000 --> 00:37:48.920 ask them about it. 716 00:37:50.920 --> 00:37:55.360 I had to because of the Park County regulation. I 717 00:37:55.400 --> 00:38:01.599 had to get the septic pumped and I needed Okay, 718 00:38:01.679 --> 00:38:05.960 I needed it, Okay, yeah, okay. So they were requiring 719 00:38:06.000 --> 00:38:08.760 that and then it failed and then they required a 720 00:38:08.760 --> 00:38:09.960 new system. 721 00:38:10.719 --> 00:38:12.199 Okay, I get it. 722 00:38:12.480 --> 00:38:16.599 And so you hired this company called what what's the 723 00:38:16.639 --> 00:38:18.039 company you actually hired? 724 00:38:19.480 --> 00:38:23.159 The company I originally hired was Premiere Consulting and Construction. 725 00:38:24.400 --> 00:38:29.360 Now when you say that they changed, Well, how did. 726 00:38:29.159 --> 00:38:31.199 That happen if they had a contract with you? 727 00:38:33.320 --> 00:38:37.760 So it just started appearing on invoices. No, there was 728 00:38:37.840 --> 00:38:40.679 no formal It went from. 729 00:38:40.519 --> 00:38:45.280 It went from Premiere. It went from Premiere Construction to what. 730 00:38:47.039 --> 00:38:50.320 To k m A Professional Services? 731 00:38:50.920 --> 00:38:54.920 Now did they actually sell? Did they morph? 732 00:38:55.280 --> 00:38:55.440 What? 733 00:38:55.559 --> 00:38:58.280 How did they do this? 734 00:38:58.280 --> 00:39:06.760 This is just one individual? So Christopher Terry, Yeah, Christopher. 735 00:39:07.400 --> 00:39:12.000 So both entities were owned by Christopher Lockstock and Barrel 736 00:39:12.079 --> 00:39:13.079 right like. 737 00:39:13.280 --> 00:39:19.119 There's no other owners. No, it's just Okay, Chris. 738 00:39:18.960 --> 00:39:21.880 And that's Terry a tea, isn't tom t E R 739 00:39:22.079 --> 00:39:27.960 R Y. That's right, Okay, So continue your story. 740 00:39:30.000 --> 00:39:33.960 So he uh tried to begin the product before I 741 00:39:34.039 --> 00:39:36.280 closed on the house. She came in April, and he 742 00:39:36.360 --> 00:39:38.800 figured he could do this since I was already living 743 00:39:38.840 --> 00:39:41.719 here and my dad was here. So he came in 744 00:39:41.760 --> 00:39:45.360 April and did the excavation for the test pit. We 745 00:39:45.480 --> 00:39:48.920 had two eighty five engineering come out and start the 746 00:39:48.960 --> 00:39:55.119 design process. But obviously I didn't have any funds to 747 00:39:55.159 --> 00:39:59.079 pay anybody until the contract was in place with the 748 00:39:59.119 --> 00:40:02.079 bank after the home was closed on. 749 00:40:02.280 --> 00:40:05.960 So well, yeah, well, how are you going to address that? 750 00:40:06.039 --> 00:40:10.159 This often happens where you're required to do something but 751 00:40:10.280 --> 00:40:14.280 you can't do it. Yeah, Normally what happens is you 752 00:40:14.360 --> 00:40:17.480 pay for it. So how did you address this in 753 00:40:17.519 --> 00:40:21.599 the contract that you needed this done before you could 754 00:40:21.599 --> 00:40:23.159 close and give them the money? 755 00:40:25.119 --> 00:40:28.559 So that part of it really wasn't addressed that to 756 00:40:28.800 --> 00:40:31.679 start before the close of the house. I didn't give 757 00:40:31.719 --> 00:40:33.320 him any money either, nothing. 758 00:40:33.760 --> 00:40:37.280 So everything I understand, but there had to be some 759 00:40:37.440 --> 00:40:40.800 discussion on how you were going to pay. You never 760 00:40:40.960 --> 00:40:46.119 said to to Terry or Christopher Terry, Hey, I won't 761 00:40:46.119 --> 00:40:48.199 be able to pay you until my loan closes. 762 00:40:49.559 --> 00:40:49.679 That. 763 00:40:49.840 --> 00:40:52.079 I did tell him that several times in a text, 764 00:40:52.119 --> 00:40:54.360 So I have everything documented. 765 00:40:55.320 --> 00:40:57.840 Okay, I did keep going, tell me it may not 766 00:40:58.079 --> 00:40:59.760 have to do with this, just keep going. 767 00:40:59.800 --> 00:41:00.440 What happened? 768 00:41:02.039 --> 00:41:08.599 So he started everything, and then we started failing inspections 769 00:41:08.599 --> 00:41:10.920 from the county after we sold the house and everything 770 00:41:10.960 --> 00:41:13.800 started getting going. The first fine I had to pay 771 00:41:14.000 --> 00:41:16.199 because he wasn't He kept telling me he was going 772 00:41:16.280 --> 00:41:19.320 to invoice and send it into my bank. So implied 773 00:41:19.360 --> 00:41:21.360 that I needed to pay and it wasn't going to 774 00:41:21.400 --> 00:41:22.960 get done and we weren't going to get started. So 775 00:41:23.000 --> 00:41:25.360 I ended up just paying the fine. It was five 776 00:41:25.679 --> 00:41:28.920 and twenty three dollars. And then we just came. 777 00:41:29.000 --> 00:41:29.719 What was the fine? 778 00:41:29.800 --> 00:41:33.000 What was the actual fine for? What was the fine for? 779 00:41:33.239 --> 00:41:33.519 Fine? 780 00:41:34.679 --> 00:41:37.159 The fine was because he covered test pits before the 781 00:41:37.199 --> 00:41:39.119 county could inspect it, and then he didn't have the 782 00:41:39.159 --> 00:41:40.360 pulme permit posted. 783 00:41:42.119 --> 00:41:44.679 Okay, okay, I get it, but that's that's more of 784 00:41:44.920 --> 00:41:45.960 a technicality. 785 00:41:46.440 --> 00:41:50.519 Was the system actually rejected? Yeah? 786 00:41:50.599 --> 00:41:56.280 So it was so this again, this started. Let me 787 00:41:56.679 --> 00:41:59.480 back up, this started, faith, Mariann. 788 00:41:59.719 --> 00:42:01.599 I don't care when it started. Here's what I need 789 00:42:01.639 --> 00:42:04.800 to know, Mariann. I need to know some very basics. 790 00:42:05.400 --> 00:42:10.920 Did the system itself fail or was it the process 791 00:42:11.480 --> 00:42:22.840 of covering it up? Did the system fail? Okay, I 792 00:42:22.880 --> 00:42:27.800 guess I'm not going to get an answer. I asked 793 00:42:27.800 --> 00:42:32.199 her if the system itself failed inspection or was it 794 00:42:32.280 --> 00:42:35.079 the procedure that he did wrong? 795 00:42:35.199 --> 00:42:35.440 Yeah? 796 00:42:35.440 --> 00:42:41.199 What was it? I mean, mary Anne? I think she 797 00:42:41.320 --> 00:42:43.280 hung up. Why would she has the answer? 798 00:42:44.280 --> 00:42:46.440 Because I think she doesn't want to give me all 799 00:42:46.440 --> 00:42:49.440 the because I need information and and and she just 800 00:42:49.440 --> 00:42:52.440 wanted to keep telling me other stuff. Maybe I don't know, 801 00:42:52.920 --> 00:42:55.840 but I can't hang on for it. Three oh three 802 00:42:55.920 --> 00:42:58.199 seven one three A two five five. John Clace, we 803 00:42:58.320 --> 00:43:02.199 have a a text for you. And the text has 804 00:43:02.239 --> 00:43:05.639 to do with the all in one loan. I call 805 00:43:05.679 --> 00:43:08.360 it the liquid loan. They want to know if it's 806 00:43:08.400 --> 00:43:12.360 a thirty year line of credit, do you have access 807 00:43:12.480 --> 00:43:15.639 to that equity for the full thirty years or do 808 00:43:15.719 --> 00:43:18.039 they expect you to start paying down at some time 809 00:43:18.360 --> 00:43:20.679 or can you pay down in the last year. 810 00:43:21.880 --> 00:43:24.079 So, yes, it's a true thirty year line of credit. 811 00:43:24.199 --> 00:43:26.960 And what it does is for the first ten years 812 00:43:26.960 --> 00:43:30.039 you have access to the full line then, so then 813 00:43:30.119 --> 00:43:33.840 they take the last twenty years. They take basically whatever 814 00:43:33.880 --> 00:43:37.559 say you borrowed four hundred thousand, They divide four hundred 815 00:43:37.599 --> 00:43:41.679 thousand by forty is twenty years and months, and they 816 00:43:41.719 --> 00:43:44.199 reduce your line by that much. So if you use 817 00:43:44.239 --> 00:43:46.559 the loan correctly, you never have to worry about it 818 00:43:46.559 --> 00:43:49.119 because all it does is go four hundred thousand, now, 819 00:43:49.280 --> 00:43:53.199 have three hundred and ninety eight thousand available. Then the 820 00:43:53.239 --> 00:43:56.119 next month three ninety six and hopefully have your loan. 821 00:43:56.000 --> 00:43:57.360 Paddam, I get it. 822 00:43:57.440 --> 00:43:59.679 Yeah, and they do that so you're don't end up 823 00:43:59.719 --> 00:44:01.320 with a balance on day zero. 824 00:44:01.519 --> 00:44:04.000 It's a force force payoff after thirty years. 825 00:44:04.000 --> 00:44:07.039 So yeah, yes, of course, but it is a true 826 00:44:07.039 --> 00:44:09.840 line of credit, first deed of trust, and every dime 827 00:44:09.880 --> 00:44:12.320 you keep in the bank counts against the average daily 828 00:44:12.360 --> 00:44:14.360 balance to reduce your overall interest. 829 00:44:14.400 --> 00:44:16.000 We have to take a break right now. Three oh 830 00:44:16.000 --> 00:44:18.159 three seven, one, three eight, two five five. 831 00:44:23.039 --> 00:44:26.280 Go with a sure thing Denver's best roofer Excel roofing 832 00:44:26.400 --> 00:44:29.039 dot com. You don't pay a cent until you're content. 833 00:44:32.400 --> 00:44:35.599 Time for an insurance check up free no obligation. Comparison 834 00:44:35.719 --> 00:44:39.280 call compass insurance paying too much your coverage at dozens 835 00:44:39.320 --> 00:44:42.039 of insurance companies. Find out now three oh three, seven 836 00:44:42.039 --> 00:44:42.639 to seven to one. 837 00:44:42.719 --> 00:44:43.000 Help. 838 00:44:43.159 --> 00:44:45.800 You'll think you're his only customer when you choose Frank 839 00:44:45.880 --> 00:44:48.320 durand the real estate man dot com to list your 840 00:44:48.360 --> 00:44:51.519 home with Remax Alliance three oh three nine two zero 841 00:44:51.599 --> 00:44:59.159 sixteen twenty two. Oh Hi, Tom Martino, you're troubleshooter three 842 00:44:59.239 --> 00:45:01.639 O three and won three talk seven. 843 00:45:01.400 --> 00:45:02.719 One three eight two five five. 844 00:45:03.960 --> 00:45:07.400 Hey, Marian, I'm sorry we were disconnected. Here's the bottom line. 845 00:45:07.400 --> 00:45:09.239 You bought a home from your dad. It needed a 846 00:45:09.280 --> 00:45:12.480 new septic. You hired a company to do the septic. 847 00:45:12.719 --> 00:45:16.920 You said it failed inspection, Did it did the system did? 848 00:45:16.920 --> 00:45:22.079 They say the system was defective when it failed, and. 849 00:45:22.639 --> 00:45:24.920 He never put it in. So what he did was 850 00:45:25.039 --> 00:45:28.920 he did the excavation. He ended up laying the piping down. 851 00:45:30.360 --> 00:45:33.480 He never connected anything to the house. Uh, this was 852 00:45:33.480 --> 00:45:35.719 supposed to be a high functioning system where it was 853 00:45:35.719 --> 00:45:39.760 above ground connected to a pump, because I get it. 854 00:45:40.039 --> 00:45:42.239 Yeah yeah. 855 00:45:42.280 --> 00:45:45.199 And so he kept failing inspections with how he was 856 00:45:45.239 --> 00:45:49.480 even laying the pipe. So he failed three inspections in total, 857 00:45:50.239 --> 00:45:54.320 and then he kept calling them out and for unfinished work. 858 00:45:55.360 --> 00:45:55.719 Anyway. 859 00:45:55.840 --> 00:45:58.119 Wow, he kept telling me and give me the run 860 00:45:58.159 --> 00:46:02.559 around about that he had purchased a tank and that 861 00:46:02.599 --> 00:46:04.400 they were going to deliver it. 862 00:46:04.599 --> 00:46:06.320 That went on for over. 863 00:46:06.239 --> 00:46:10.840 Three months and nothing ever delivered. I finally called the supplier. 864 00:46:10.920 --> 00:46:13.360 They had never heard of him, They had never heard 865 00:46:13.400 --> 00:46:15.679 of me, my address his company. 866 00:46:16.239 --> 00:46:16.880 But you've met. 867 00:46:16.920 --> 00:46:20.280 But up to this point, you hadn't paid anything to 868 00:46:20.360 --> 00:46:23.880 him up to this point, right, No. 869 00:46:23.360 --> 00:46:27.679 No, because he was submitting draws from the HUT through 870 00:46:27.719 --> 00:46:30.800 the Hut inspector, who, by the way, never came in 871 00:46:30.840 --> 00:46:33.960 person to inspect, which is wait. 872 00:46:33.719 --> 00:46:36.639 Wait wait, so did HUD pay him? 873 00:46:37.360 --> 00:46:37.599 Yes? 874 00:46:39.639 --> 00:46:42.639 Wait, HUD paid him out of a loan you didn't 875 00:46:42.639 --> 00:46:43.440 even close on. 876 00:46:44.000 --> 00:46:45.719 Is something you never signed for? 877 00:46:46.840 --> 00:46:49.639 No? No, no, no, I closed on the house in June. 878 00:46:50.639 --> 00:46:53.800 Everything everything I'm talking about now happened thereafter. 879 00:46:55.519 --> 00:46:58.119 Okay, did they Did they hold the money and escrow 880 00:46:58.159 --> 00:47:00.559 after when you closed to get before that? 881 00:47:00.719 --> 00:47:01.199 Yeah? 882 00:47:01.239 --> 00:47:05.719 Apparently they did, John, That's why. That's why they made dispersements. 883 00:47:06.039 --> 00:47:09.320 But HUD had a responsibility or whoever was holding the 884 00:47:09.360 --> 00:47:13.840 money in escrow had a responsibility to inspect before giving 885 00:47:13.880 --> 00:47:14.599 those draws. 886 00:47:15.880 --> 00:47:16.320 That's right. 887 00:47:16.519 --> 00:47:21.079 But they didn't, so I uh. 888 00:47:20.840 --> 00:47:24.039 Well, how much? How much did he get paid so far? 889 00:47:25.719 --> 00:47:27.239 A little over forty nine thousand? 890 00:47:28.880 --> 00:47:29.320 Wow? 891 00:47:29.519 --> 00:47:33.440 Whoa whoa, whoa whoa whoa how much? Well, here's what 892 00:47:33.480 --> 00:47:34.000 I need to know. 893 00:47:34.320 --> 00:47:37.400 Did you get someone independent to look at that to 894 00:47:37.480 --> 00:47:39.760 say this is what is going to cost to fix? 895 00:47:42.719 --> 00:47:45.280 Did you mean another contractor? 896 00:47:45.960 --> 00:47:46.280 Yes? 897 00:47:46.519 --> 00:47:49.440 Yes, yeah, yeah, I had another contractor come out and 898 00:47:49.480 --> 00:47:53.480 give me another quote. Because nothing's done. I have visible 899 00:47:53.559 --> 00:47:57.960 sewage leaking. He dug a pit next to my current 900 00:47:58.000 --> 00:48:00.920 leach field. That leechfield is now leaking into that open pit, 901 00:48:02.480 --> 00:48:05.679 and I have damage to my home. I have all 902 00:48:05.719 --> 00:48:08.159 sorts of stuff he did with his equipment, okay, to 903 00:48:08.280 --> 00:48:08.920 my property. 904 00:48:09.559 --> 00:48:13.079 So right now, right now, this guy's been paid forty 905 00:48:13.159 --> 00:48:17.440 nine thousand dollars by Hudd out of your money, Yeah, 906 00:48:17.760 --> 00:48:22.000 for a system that never passed. 907 00:48:23.199 --> 00:48:25.119 Exactly and or was even in. 908 00:48:25.440 --> 00:48:28.280 What does HUDs say? What does HUDs say about that? 909 00:48:28.840 --> 00:48:31.880 About releasing that money? 910 00:48:32.039 --> 00:48:37.199 All I could do was make a claim and I 911 00:48:37.239 --> 00:48:41.199 have to wait thirty to sixty days before anything happens 912 00:48:41.199 --> 00:48:41.639 with them. 913 00:48:41.800 --> 00:48:44.840 Here's what I also need to know this he was 914 00:48:44.880 --> 00:48:46.239 paid forty nine grand. 915 00:48:46.559 --> 00:48:47.719 What was the total? 916 00:48:51.039 --> 00:48:51.519 So I have? 917 00:48:51.880 --> 00:48:55.079 In other words, what is the contract total forty. 918 00:48:54.800 --> 00:48:55.440 Nine of what. 919 00:48:58.519 --> 00:49:00.920 God, it was a little over two thousand. 920 00:49:02.599 --> 00:49:06.159 Oh way, so so basically he's been paid in full. Basically, 921 00:49:06.639 --> 00:49:08.440 basically he's been paid in full. 922 00:49:09.880 --> 00:49:12.800 Yes, I would try to get the title company on 923 00:49:12.840 --> 00:49:15.679 your side or involved, because when they closed, I mean 924 00:49:15.679 --> 00:49:17.280 they they're the ones who had to put the money 925 00:49:17.320 --> 00:49:19.599 in escrow. I would think, I. 926 00:49:20.320 --> 00:49:21.880 Don't understand how they release that. 927 00:49:22.159 --> 00:49:25.599 There are there are provisions for for for releasing money 928 00:49:25.719 --> 00:49:29.800 like that which calls for inspections that that HUD guy. 929 00:49:29.679 --> 00:49:32.960 Is going to be in trouble. Yeah, but isn't this 930 00:49:33.000 --> 00:49:34.800 why title insurance exists? 931 00:49:38.360 --> 00:49:39.119 I don't know. 932 00:49:39.239 --> 00:49:41.400 I'm not familiar with any of it. It's my first 933 00:49:41.400 --> 00:49:42.239 time buying a house. 934 00:49:43.199 --> 00:49:45.360 I would get title company. I think it'd probably be 935 00:49:45.360 --> 00:49:48.440 better than HUD directly, but just to get them on 936 00:49:48.480 --> 00:49:49.000 your side. 937 00:49:49.599 --> 00:49:52.159 Up you need all right? You're well? 938 00:49:52.239 --> 00:49:54.760 Okay, so right now, where does this stand? Are you 939 00:49:54.880 --> 00:49:55.800 living in the home? 940 00:49:57.159 --> 00:50:00.880 I am? Soon we're going to what hold on? 941 00:50:01.239 --> 00:50:05.599 Does the system Marianne? Does the system function? Or are 942 00:50:05.599 --> 00:50:08.880 you still using the old system because the new one 943 00:50:08.920 --> 00:50:10.480 hasn't been interconnected? 944 00:50:11.679 --> 00:50:15.320 Right right, the new one has no tank. There's no 945 00:50:15.440 --> 00:50:17.119 tank existing because he's so. 946 00:50:18.079 --> 00:50:20.760 The new one has not been to the house yet, 947 00:50:21.119 --> 00:50:21.639 not at all. 948 00:50:22.079 --> 00:50:25.159 No, so we have the old system. It works, but 949 00:50:25.320 --> 00:50:26.360 each field is failing. 950 00:50:27.639 --> 00:50:30.079 I get it, I get it. And so where does 951 00:50:30.119 --> 00:50:34.360 this stand right now? With this guy? Does Christopher Terry know? 952 00:50:35.159 --> 00:50:38.519 Does he realize that he owes you a lot of 953 00:50:38.559 --> 00:50:41.519 work to get it running? Or does he think he's done? 954 00:50:41.599 --> 00:50:42.599 What does he think? 955 00:50:44.760 --> 00:50:47.840 I have not heard from him. He has totally ghosted me. 956 00:50:49.159 --> 00:50:51.480 I have done a lot of research found out that 957 00:50:51.519 --> 00:50:55.079 he's done this multiple times to other people, also skipped 958 00:50:55.079 --> 00:50:56.119 around some different. 959 00:50:55.960 --> 00:50:57.079 Done what multiple times? 960 00:50:57.599 --> 00:50:57.840 Wait? 961 00:50:57.880 --> 00:51:00.559 Wait? Which part did he do multiple times? 962 00:51:01.840 --> 00:51:06.039 He starts projects, ruins them, doesn't do them properly, or 963 00:51:06.079 --> 00:51:09.119 doesn't finish them when in leaves, takes as much money 964 00:51:09.119 --> 00:51:09.679 as you can and. 965 00:51:10.280 --> 00:51:16.199 Goos, Marianne, Is this the same day and a mechanical 966 00:51:16.280 --> 00:51:17.519 and monument Colorado? 967 00:51:17.800 --> 00:51:18.519 That did you work? 968 00:51:21.599 --> 00:51:22.360 Can you say that again? 969 00:51:22.400 --> 00:51:23.239 You're a little client. 970 00:51:24.159 --> 00:51:26.920 Where is he out of monument monument? No? 971 00:51:27.039 --> 00:51:29.159 No, no, no, he is out of Centennial. 972 00:51:31.599 --> 00:51:32.320 He's looking up the. 973 00:51:32.360 --> 00:51:38.000 Different Sorry I could listen. Where did you ever talk 974 00:51:38.039 --> 00:51:39.079 to an attorney about this. 975 00:51:41.800 --> 00:51:46.280 Kind of I have a custody attorney that I was 976 00:51:46.360 --> 00:51:47.039 going to use you. 977 00:51:48.199 --> 00:51:50.239 No, no, no, no no. You don't use an attorney 978 00:51:50.280 --> 00:51:53.000 you're using for something else. You use an attorney who 979 00:51:53.119 --> 00:51:56.280 specializes in this stuff. We just talked to an attorney 980 00:51:56.400 --> 00:51:59.039 yesterday and how that might be able to help you, 981 00:51:59.559 --> 00:52:02.559 and we'll to get him on to to to We 982 00:52:02.639 --> 00:52:04.679 ought to get him on to give us a first 983 00:52:04.840 --> 00:52:08.559 blush on this. You have all your contracts and stuff. 984 00:52:09.960 --> 00:52:10.199 I do. 985 00:52:12.280 --> 00:52:12.559 Want you. 986 00:52:14.199 --> 00:52:16.119 I want you to at least listen. 987 00:52:16.679 --> 00:52:20.960 He offered to give a free consultation, initial consultation to people, 988 00:52:21.440 --> 00:52:25.800 and we said we would send him people. So I 989 00:52:25.920 --> 00:52:30.159 would like Katschina to send it over to Is it Hollington? 990 00:52:30.719 --> 00:52:33.639 I think it's Neil hollingback Holling one. 991 00:52:33.800 --> 00:52:34.639 Well, anyway, it was. 992 00:52:37.119 --> 00:52:41.239 Hollington, Neil, okay, would you send this over to him. 993 00:52:44.159 --> 00:52:48.400 I will get info from Dmitri because I just have. 994 00:52:48.480 --> 00:52:49.280 His phone number. 995 00:52:50.639 --> 00:52:54.119 And it was Neil right, it was yeah, yeah, we 996 00:52:54.280 --> 00:52:57.440 have it, So we're going to send you. I want 997 00:52:57.480 --> 00:52:59.119 you to get an initial consultation. 998 00:52:59.280 --> 00:52:59.760 Mary Anne. 999 00:53:00.199 --> 00:53:05.079 This is very complicated and it sounds up and screwed royally, 1000 00:53:07.199 --> 00:53:10.519 so I want you to hang on and Katschina will 1001 00:53:10.559 --> 00:53:15.519 get you that information. It's very very important we have 1002 00:53:15.760 --> 00:53:20.239 also in the studio John clay Cima. She financial talking 1003 00:53:20.280 --> 00:53:23.280 about conventional loans, reverse loans, and the all in one loan, 1004 00:53:23.760 --> 00:53:25.960 which is a thirty year line of credit. If you 1005 00:53:26.039 --> 00:53:29.800 have any questions for him, we'll come right back. Julie 1006 00:53:29.920 --> 00:53:33.960 says her sister needs assistance. All of that coming up 1007 00:53:34.000 --> 00:53:36.159 on the Troubleshooter Show three oh three seven to one 1008 00:53:36.239 --> 00:53:38.559 three talk, or you can call three oh three Martino 1009 00:53:39.159 --> 00:53:42.639 three oh three six two seven eight four sixty six. 1010 00:53:46.519 --> 00:53:49.760 Go with a sure thing Denver's best roofer Excel Roofing 1011 00:53:49.880 --> 00:53:52.480 dot com. You don't pay a cent until you're content. 1012 00:53:55.880 --> 00:53:59.039 Time for an insurance check up free, no obligation. In comparison, 1013 00:53:59.199 --> 00:54:02.719 call Compass Insurance paying too much your coverage at dozens 1014 00:54:02.760 --> 00:54:05.480 of insurance companies find out now three all three seven 1015 00:54:05.599 --> 00:54:08.400 seven to one help. You'll think you're his only customer 1016 00:54:08.440 --> 00:54:10.639 when you choose Frank durand the real estate Man dot 1017 00:54:10.719 --> 00:54:14.039 com to list your home with Remax Alliance three all 1018 00:54:14.079 --> 00:54:22.360 three nine two zero sixteen twenty two. Hi Tom Martino, 1019 00:54:22.480 --> 00:54:25.199 your troubleshooter three oh three seven one three talk. 1020 00:54:26.000 --> 00:54:28.760 Seven one three eight two five five. So whose turn 1021 00:54:28.840 --> 00:54:28.960 is it? 1022 00:54:29.039 --> 00:54:29.119 Right? 1023 00:54:29.159 --> 00:54:31.039 Now I just want to say about renew Home Innovations. 1024 00:54:31.719 --> 00:54:34.719 Porcelain sheets make the beautiful shower conversions. 1025 00:54:34.760 --> 00:54:36.079 That's all I can say. They're porcelain. 1026 00:54:36.440 --> 00:54:39.480 This shower looks like a million bucks and there's no 1027 00:54:39.639 --> 00:54:42.760 maintenance and it's absolutely beautiful. Plus the hardware and the 1028 00:54:42.880 --> 00:54:45.840 taller racks and the benches, whatever you want to make 1029 00:54:46.000 --> 00:54:48.760 for your movement. They do it custom for each and everyone. 1030 00:54:49.039 --> 00:54:50.760 They do it in two or three days, with seventy 1031 00:54:50.840 --> 00:54:53.760 two months to pay. Can you believe that seventy two 1032 00:54:53.840 --> 00:54:54.400 months to pay? 1033 00:54:54.880 --> 00:54:55.079 Yeah? 1034 00:54:55.320 --> 00:54:58.519 No interest three oh three nine zero four two thousand, 1035 00:54:58.719 --> 00:55:01.280 nine zero four two thousand and renew home Innovation dot com. 1036 00:55:01.320 --> 00:55:01.880 Now let's talk. 1037 00:55:02.079 --> 00:55:07.079 Here's the problem. By the way, Uh, it is Julie's turn. Julie, 1038 00:55:07.199 --> 00:55:09.440 what's going on with your sister? 1039 00:55:09.639 --> 00:55:09.719 Hi? 1040 00:55:09.920 --> 00:55:10.840 Julie, what's going on? 1041 00:55:12.519 --> 00:55:12.639 Hi? 1042 00:55:13.760 --> 00:55:17.800 I am needing a I think durable power of attorney 1043 00:55:18.760 --> 00:55:24.280 for my sister. Sorry if I cry, but oh I. 1044 00:55:24.280 --> 00:55:26.159 Don't want you to cry. Now tell me. Hold on, 1045 00:55:26.400 --> 00:55:30.119 let's let's talk first. What are you trying to accomplish? 1046 00:55:30.239 --> 00:55:30.519 First? 1047 00:55:30.599 --> 00:55:32.159 And then we'll talk about the story. What are you 1048 00:55:32.239 --> 00:55:33.280 trying to accomplish? 1049 00:55:35.480 --> 00:55:41.840 So that I can speak to medical billing on her 1050 00:55:41.960 --> 00:55:43.000 behalf and. 1051 00:55:44.800 --> 00:55:50.079 As she was, do you want to make do you 1052 00:55:50.199 --> 00:55:53.039 want to make healthcare decisions for her as well? 1053 00:55:53.559 --> 00:55:56.400 Do you want to do all kinds of stuff or 1054 00:55:56.679 --> 00:55:59.039 just or just the legal stuff. 1055 00:55:58.880 --> 00:56:03.840 And financial and medical if needed? 1056 00:56:04.920 --> 00:56:09.639 Legal, financial and medical? Okay, I think you might need. 1057 00:56:10.519 --> 00:56:13.920 You might need now now, a power of attorney's the 1058 00:56:14.039 --> 00:56:18.000 right way to go for the legal and financial. The 1059 00:56:18.599 --> 00:56:23.280 care providers have forms for medical decisions. That's not a 1060 00:56:23.360 --> 00:56:27.239 big deal. You can be designated by them and you 1061 00:56:27.320 --> 00:56:28.599 don't have to go through the courts. 1062 00:56:28.920 --> 00:56:30.840 But I want to ask something. What's going on with 1063 00:56:30.920 --> 00:56:31.320 your sister? 1064 00:56:31.480 --> 00:56:31.599 Now? 1065 00:56:31.679 --> 00:56:32.679 You can tell me that part? 1066 00:56:33.840 --> 00:56:38.920 Okay, I would say the beginning of last year, in 1067 00:56:39.039 --> 00:56:45.960 twenty twenty four, she was friended by somebody online. And 1068 00:56:48.519 --> 00:56:52.599 this is the most god awful scam I've ever heard of. 1069 00:56:53.000 --> 00:56:56.920 Well, first tell me first, tell me, first, tell me something. 1070 00:56:57.639 --> 00:57:01.079 Is your sister undergoing any treatment for anything? 1071 00:57:03.400 --> 00:57:06.360 She is now seeing a therapist? 1072 00:57:08.079 --> 00:57:12.920 Okay, so this is not like okay I made I'm sorry, diminished, 1073 00:57:14.119 --> 00:57:16.840 I get that I'm not talking about that. But we're 1074 00:57:16.920 --> 00:57:21.039 not facing a crisis right now where she's in ICU 1075 00:57:21.320 --> 00:57:24.840 or something. So what you have is a sister making 1076 00:57:25.039 --> 00:57:26.159 very poor decisions. 1077 00:57:27.039 --> 00:57:30.039 This is different. I need to tell you something, Julie. 1078 00:57:30.400 --> 00:57:31.480 This will have to go to that. 1079 00:57:31.679 --> 00:57:34.679 This is not the same as a power of attorney 1080 00:57:35.239 --> 00:57:39.039 and simply a healthcare designee health care decider. 1081 00:57:39.679 --> 00:57:40.440 You can't do that. 1082 00:57:41.039 --> 00:57:45.920 When somebody is mentally incompetent, you can't go to let's 1083 00:57:45.920 --> 00:57:47.119 say they're with UC health. 1084 00:57:47.599 --> 00:57:52.800 She's not mentally incompetent. She has never been declared mentally incompetent. 1085 00:57:53.719 --> 00:57:55.760 She is slow. 1086 00:57:57.400 --> 00:57:59.639 Here, here's what I'm saying. This is what I'm trying 1087 00:57:59.679 --> 00:58:00.480 to get as. 1088 00:58:01.880 --> 00:58:05.000 Julie. That is against what you're trying to do, not 1089 00:58:05.199 --> 00:58:10.039 for it. Here's what I'm saying. With all other healthcare. 1090 00:58:10.239 --> 00:58:12.079 I just want to get this out for those listening. 1091 00:58:12.599 --> 00:58:15.360 For all other healthcare, all you have to do is 1092 00:58:15.440 --> 00:58:18.199 go with your sister to the healthcare provider and she 1093 00:58:18.559 --> 00:58:23.320 designates you as the decision maker for health. The second 1094 00:58:23.440 --> 00:58:26.159 thing is a power of attorney, which you do with 1095 00:58:26.239 --> 00:58:30.000 an attorney, which designates you to make decisions for legal 1096 00:58:30.039 --> 00:58:30.599 and financial. 1097 00:58:30.880 --> 00:58:32.960 But I must tell you. 1098 00:58:33.320 --> 00:58:38.159 It's not to make decisions contrary to what your sister wants. 1099 00:58:38.480 --> 00:58:43.360 It's only to be convenient. If she's not able to sign, 1100 00:58:43.719 --> 00:58:48.960 for example, if you're not allowed to make the decisions 1101 00:58:49.039 --> 00:58:53.239 for her. See, I think you're confusing what a durable 1102 00:58:53.360 --> 00:58:58.119 power of attorney does and what the healthcare advocate does. 1103 00:58:58.840 --> 00:59:02.519 They don't make They don't take the place of. 1104 00:59:02.639 --> 00:59:08.039 The decision make her necessarily if the decision maker can say, 1105 00:59:08.079 --> 00:59:08.599 I don't. 1106 00:59:08.440 --> 00:59:12.280 Agree now what you are talking about? 1107 00:59:13.400 --> 00:59:17.559 What you must do here to make a long story short, 1108 00:59:17.719 --> 00:59:18.800 and you can tell me the story. 1109 00:59:18.840 --> 00:59:20.960 There's a scam. I want to hear it. But you're 1110 00:59:21.039 --> 00:59:21.519 telling me. 1111 00:59:21.639 --> 00:59:24.079 Your sister was taking advantage of and you want to 1112 00:59:24.119 --> 00:59:27.559 prevent that from happening. Because she's slow, you must have 1113 00:59:27.760 --> 00:59:29.599 her declared incompetent. 1114 00:59:30.960 --> 00:59:34.519 No, that's not what I'm trying to accomplish here. I 1115 00:59:34.719 --> 00:59:39.960 know that I can't call her debtors on her behalf 1116 00:59:40.239 --> 00:59:44.440 because she has a hard time articulating to people. She 1117 00:59:44.559 --> 00:59:48.000 gets frustrated very easy, and then she just gives in 1118 00:59:49.480 --> 00:59:53.920 to whatever they want. I'm just trying to be able 1119 00:59:54.000 --> 00:59:59.599 to talk to them to make arrangements to pay her 1120 00:59:59.719 --> 01:00:04.679 bills at an amount of money that she can actually afford. 1121 01:00:06.159 --> 01:00:08.679 Well, Julie, I know what you want to do, and 1122 01:00:08.760 --> 01:00:13.280 I'm with you, okay, But there is no legal mechanism 1123 01:00:13.400 --> 01:00:17.559 for that. That can only be done if she says, 1124 01:00:18.000 --> 01:00:21.760 if she says to you, I want you to help me, Julie, 1125 01:00:22.280 --> 01:00:25.599 and I agree to go along with anything, and then 1126 01:00:25.679 --> 01:00:29.599 she impersonates you, or you impersonate her, or you simply 1127 01:00:29.679 --> 01:00:32.719 get on the phone with her. For example, I designate 1128 01:00:32.880 --> 01:00:37.760 sus to talk to all of my financial people for me. Okay, 1129 01:00:38.559 --> 01:00:42.320 I think even my Comcast and whatever, or my Exfinity, 1130 01:00:42.519 --> 01:00:45.519 but I designate her and it's not a big deal. 1131 01:00:46.039 --> 01:00:48.880 But she can't go against my wishes. 1132 01:00:49.719 --> 01:00:53.000 If I said, if I called Exfinity and said, wait 1133 01:00:53.039 --> 01:00:56.199 a minute, I don't agree with this, or if Exfinity 1134 01:00:56.320 --> 01:00:59.119 calls me and says, hey, I know you agreed to 1135 01:00:59.199 --> 01:01:03.920 pay this, but we're increasing it. Well, you know it's 1136 01:01:04.000 --> 01:01:07.480 not what you want. You must for you to do 1137 01:01:07.639 --> 01:01:10.159 what you want. And I know you don't want to 1138 01:01:10.280 --> 01:01:14.519 hear this, but she must be incompetent. If you just 1139 01:01:14.599 --> 01:01:17.320 want to help her, then just help her. Just get 1140 01:01:17.400 --> 01:01:20.000 on the phone and help her and have her designate 1141 01:01:20.039 --> 01:01:22.599 you as one of the managers of her accounts. So 1142 01:01:22.760 --> 01:01:26.639 each credit card and each account, Susan, what does it take. 1143 01:01:27.599 --> 01:01:30.480 We just designate you, right, what is it called? Is 1144 01:01:30.559 --> 01:01:31.639 it called a manager? 1145 01:01:31.760 --> 01:01:33.039 What what is called? 1146 01:01:33.239 --> 01:01:36.199 I mean, it depends on the different entities. Tom. 1147 01:01:36.320 --> 01:01:39.119 I mean you just share documents with me so I 1148 01:01:39.159 --> 01:01:40.039 can get in so. 1149 01:01:41.519 --> 01:01:44.239 In pact, but you also are designated like you can 1150 01:01:44.440 --> 01:01:45.280 account people. 1151 01:01:46.679 --> 01:01:50.960 Yeah, so, Julie, I think what you're trying to do 1152 01:01:51.239 --> 01:01:52.000 is harder than you. 1153 01:01:54.079 --> 01:01:58.159 I'm just trying to I mean, she's already given me 1154 01:01:58.280 --> 01:02:01.559 permission to talk to her debtor of the medical bills. 1155 01:02:03.920 --> 01:02:05.960 But are they going to want something in writing? 1156 01:02:08.760 --> 01:02:11.679 Something like what you haven't even told me? Well, what 1157 01:02:11.760 --> 01:02:15.119 do you mean something? Give me a specific You haven't 1158 01:02:15.159 --> 01:02:17.119 told me what you're trying to do. You just she 1159 01:02:17.280 --> 01:02:19.039 gave you permission to talk to them. 1160 01:02:18.920 --> 01:02:19.320 About what. 1161 01:02:21.559 --> 01:02:25.639 About arranging payments for her bills? These past two bills? 1162 01:02:25.760 --> 01:02:28.599 OKAYK. 1163 01:02:30.440 --> 01:02:33.400 Then then they're gonna want her to sign whatever settlement 1164 01:02:33.440 --> 01:02:34.440 agreement you come up with. 1165 01:02:35.000 --> 01:02:39.039 You can negotiate it all day long. You can say listen, yeah, yeah, 1166 01:02:39.159 --> 01:02:50.039 go ahead. So why don't you just do that? Because Okay, 1167 01:02:50.239 --> 01:02:52.119 I want you to think about that, because I'm not 1168 01:02:52.320 --> 01:02:54.719 sure what look and I gotta take a break. 1169 01:02:54.760 --> 01:02:56.440 I'm not sure what you're trying to do or why 1170 01:02:56.519 --> 01:02:58.719 you can't do it because you have everything in place 1171 01:02:58.840 --> 01:03:00.840 to do what you want. If she said you can 1172 01:03:00.920 --> 01:03:02.960 talk to him, talk to him, and then when you 1173 01:03:03.039 --> 01:03:05.480 come up with a settlement, she signs it so you 1174 01:03:05.599 --> 01:03:06.679 don't need anything else. 1175 01:03:06.920 --> 01:03:09.000 I'm Tom Martino. We'll talk to you right after this. 1176 01:03:10.639 --> 01:03:13.920 Go with a sure thing Denver's Best roofer Excel Roofing 1177 01:03:14.000 --> 01:03:16.639 dot com. You don't pay a cent until you're content. 1178 01:03:20.039 --> 01:03:23.159 Time for an insurance checkup free, no obligation. In comparison, 1179 01:03:23.360 --> 01:03:26.880 call Compass Insurance paying too much your coverage at dozens 1180 01:03:26.920 --> 01:03:29.639 of insurance companies find out now three O three seven 1181 01:03:29.639 --> 01:03:31.960 to seven to one help. You'll think you're his only 1182 01:03:32.119 --> 01:03:34.519 customer when you choose Frank durand the real estate Man 1183 01:03:34.599 --> 01:03:38.000 dot com to list your home with Remax Alliance three 1184 01:03:38.239 --> 01:03:46.519 three nine two zero sixteen twenty two. Hi Tom Martino here, 1185 01:03:47.519 --> 01:03:52.360 I want to go back to Julie. So, Julie, do 1186 01:03:52.480 --> 01:03:54.639 you understand what I'm saying about what you're trying to 1187 01:03:54.679 --> 01:03:57.400 accomplish in what you need to do or if you 1188 01:03:57.519 --> 01:03:58.679 have additional questions? 1189 01:04:00.559 --> 01:04:01.800 Yeah, So. 1190 01:04:03.639 --> 01:04:05.280 What do you think you're going to do? 1191 01:04:08.719 --> 01:04:08.920 Well? 1192 01:04:09.039 --> 01:04:12.840 I'll just call up her medical bills and make arrangements. 1193 01:04:12.880 --> 01:04:18.119 I guess, yeah, and again I think if you're just 1194 01:04:18.199 --> 01:04:20.360 trying to help her, now, tell me about the scam 1195 01:04:20.440 --> 01:04:22.320 you were telling me about what happened to her. 1196 01:04:24.119 --> 01:04:27.920 She had met somebody online and they had been corresponding 1197 01:04:28.000 --> 01:04:33.599 back and forth for several months. This person asked her 1198 01:04:33.760 --> 01:04:38.800 to pick up his suitcase that it got routed to Tucson, 1199 01:04:38.880 --> 01:04:43.320 that's where she lived, and it was left at the 1200 01:04:43.400 --> 01:04:46.480 airport and could she please pick it up and when 1201 01:04:46.559 --> 01:04:49.360 he came through again, he would come by and get 1202 01:04:49.400 --> 01:04:53.159 it from her. She said, okay, yeah, but she couldn't 1203 01:04:53.199 --> 01:04:56.639 get it that day because she was working and didn't 1204 01:04:56.679 --> 01:04:59.360 know when she was going to get off work. She 1205 01:04:59.440 --> 01:05:01.519 said that she get the next day or two, and 1206 01:05:01.639 --> 01:05:08.920 he told her fine. Two days later, well, she gets 1207 01:05:09.159 --> 01:05:16.440 a text from somebody that says are you and he 1208 01:05:16.559 --> 01:05:19.800 said her name and she said, yes, this is and 1209 01:05:20.000 --> 01:05:23.880 he sent her a picture of a suitcase full of 1210 01:05:24.039 --> 01:05:29.599 guns supposedly confiscated at the Tucson airport. And because she 1211 01:05:29.960 --> 01:05:35.920 is connected to this case, she has is going to 1212 01:05:36.000 --> 01:05:39.639 be charged with gun smuggling. 1213 01:05:40.280 --> 01:05:41.280 Boy, that's a new one. 1214 01:05:43.000 --> 01:05:46.320 Yeah, So what happened? I mean, did they believe that 1215 01:05:46.480 --> 01:05:48.559 she was slow and didn't understand anything. 1216 01:05:50.039 --> 01:05:52.880 Oh, I'm sure they did. I'm sure they did. 1217 01:05:53.039 --> 01:05:53.199 Well. 1218 01:05:53.320 --> 01:05:54.480 Did she get off on it? 1219 01:05:54.599 --> 01:05:56.559 Did she get off on the charges or did they 1220 01:05:56.679 --> 01:05:57.119 charge her? 1221 01:05:58.760 --> 01:06:01.440 No, she was never charge This was the scam. 1222 01:06:01.599 --> 01:06:03.840 It was all bs. They were threatening her, they were 1223 01:06:03.880 --> 01:06:04.920 trying to shake her down. 1224 01:06:05.760 --> 01:06:09.880 There was oh, in other words, there never really was. 1225 01:06:10.199 --> 01:06:12.800 There never really was a scam. But did she have 1226 01:06:12.960 --> 01:06:14.239 to pay anybody anything? 1227 01:06:16.760 --> 01:06:21.559 They started sending her emails posing as Christopher Ray, the 1228 01:06:21.760 --> 01:06:23.440 director of the FBI. 1229 01:06:24.840 --> 01:06:27.159 Get it, and she started so what did it end up? 1230 01:06:27.960 --> 01:06:28.679 Did end up? 1231 01:06:32.679 --> 01:06:38.079 She was paying them to keep herself out of jail, 1232 01:06:38.239 --> 01:06:39.039 out of prison? 1233 01:06:39.719 --> 01:06:40.400 Oh my god? 1234 01:06:40.519 --> 01:06:42.840 How much did she How much did she pay? 1235 01:06:44.679 --> 01:06:46.800 She paid over eight thousand dollars? 1236 01:06:46.960 --> 01:06:47.719 Oh my god. 1237 01:06:48.480 --> 01:06:53.079 Oh no, husband's military and they were taking that every 1238 01:06:53.920 --> 01:06:58.320 month of eleven dollars. She got so oh my god 1239 01:06:59.280 --> 01:07:03.519 over this because she had no more money, and she 1240 01:07:03.800 --> 01:07:05.239 tried to kill herself. 1241 01:07:07.480 --> 01:07:07.719 God. 1242 01:07:08.840 --> 01:07:11.280 And she was put in a mental hospital. 1243 01:07:12.840 --> 01:07:15.559 And this is all the medical bills that I'm talking 1244 01:07:15.599 --> 01:07:18.480 about was her state in the mental hospital. 1245 01:07:18.719 --> 01:07:19.639 This is crazy. 1246 01:07:21.519 --> 01:07:23.119 Oh, I moved her up. 1247 01:07:23.119 --> 01:07:26.039 Here, you know, find this out. She was here at 1248 01:07:26.079 --> 01:07:30.719 my house for three months before she finally told me everything, because. 1249 01:07:31.039 --> 01:07:33.840 It's shame that they feel shame when you've been when 1250 01:07:33.880 --> 01:07:37.840 you've been hoodwink so bad. Hey, she do you think? 1251 01:07:38.360 --> 01:07:40.840 Let me ask you something, you know, she how much 1252 01:07:40.960 --> 01:07:41.960 does she owe in total? 1253 01:07:44.760 --> 01:07:47.639 About thirty two hundred dollars just. 1254 01:07:47.719 --> 01:07:51.079 She's going to be collecting roof Wait wait, wait, her 1255 01:07:51.320 --> 01:07:53.719 total bills are only thirty two hundred. 1256 01:07:55.519 --> 01:07:58.719 Of all the bills because she had insurance and it 1257 01:07:58.840 --> 01:08:02.199 covered some. But she was in the mental hospital for 1258 01:08:02.480 --> 01:08:04.760 two weeks and her insurance only covered a week. 1259 01:08:04.840 --> 01:08:07.440 Well, thank goodness, No, that's not I'm saying. I know 1260 01:08:07.559 --> 01:08:09.960 that sounds like a lot of money, but I mean, 1261 01:08:12.320 --> 01:08:15.920 you know, look, she's going to get over this right now. 1262 01:08:16.000 --> 01:08:18.960 You just want to prevent it from happening in the future. 1263 01:08:21.279 --> 01:08:22.960 Right, How is she doing right now? 1264 01:08:25.680 --> 01:08:31.159 She's these creditors keep texting her and calling her and 1265 01:08:31.319 --> 01:08:32.479 over and over and over and over. 1266 01:08:32.560 --> 01:08:34.399 She needs to black a matter of her mind. Just 1267 01:08:34.520 --> 01:08:36.640 tell him, just tell them to go away. Don't answer 1268 01:08:36.680 --> 01:08:37.520 the phone to her. 1269 01:08:37.640 --> 01:08:42.199 And she's she is going to therapy here and she 1270 01:08:42.359 --> 01:08:45.039 has been talking to her therapist about this. But I 1271 01:08:45.199 --> 01:08:48.640 see a change in her mentally the last few days. 1272 01:08:49.039 --> 01:08:52.479 Of course, I'm just of course, and I don't have 1273 01:08:52.600 --> 01:08:54.279 the money to help her pay for anything. 1274 01:08:54.680 --> 01:08:59.239 So yeah, you know, you know, really the truth is, 1275 01:08:59.560 --> 01:09:03.119 here's the truth. They can't take anything from her. 1276 01:09:03.279 --> 01:09:03.319 No. 1277 01:09:03.520 --> 01:09:06.439 And the other thing is tom medical bills. They can't 1278 01:09:06.479 --> 01:09:09.399 even put them on the credit report like they used 1279 01:09:09.399 --> 01:09:11.399 to be able to. I mean, eventually they can, but 1280 01:09:11.479 --> 01:09:16.039 it won't even affect your credit. Yeah, you just have 1281 01:09:16.239 --> 01:09:19.039 to basically tell her to block the numbers, tell them 1282 01:09:19.079 --> 01:09:23.720 the pound sand tell them to kiss off, right right. 1283 01:09:25.359 --> 01:09:28.279 So, I'm so sad this happened to you, and I 1284 01:09:28.399 --> 01:09:34.399 understand why you were getting emotional, and listen, here's the deal. Ultimately, though, 1285 01:09:34.479 --> 01:09:36.760 they can't really do anything to her, So don't go 1286 01:09:36.920 --> 01:09:41.000 through too many you know, don't just don't bend over 1287 01:09:41.159 --> 01:09:44.359 backwards and upset your entire life for this. They can't 1288 01:09:44.399 --> 01:09:47.159 do anything to her, of course, they can't do anything. 1289 01:09:47.479 --> 01:09:51.239 We're out of time. Then we're out of time. So 1290 01:09:51.560 --> 01:09:54.560 we have more coming up, John class with us from 1291 01:09:54.720 --> 01:09:59.439 CMG Financial for reverse loans, conventional loans, the all in 1292 01:09:59.560 --> 01:10:04.840 one loan and more. And we have also Deputy Bone 1293 01:10:04.840 --> 01:10:08.840 in the House, Ensues and Mark. So stick around three 1294 01:10:08.920 --> 01:10:11.600 oh three seven one three Talks seven one, three, eight, 1295 01:10:11.680 --> 01:10:16.000 two five five Got more coming up on The Troubleshooter Show. 1296 01:10:18.960 --> 01:10:22.239 Go with a sure Thing Denver's Best Roofer Excel Roofing 1297 01:10:22.319 --> 01:10:24.960 dot com. You don't pay a cent until you're content. 1298 01:10:26.600 --> 01:10:30.800 Leave time for an insurance check up free, no obligation 1299 01:10:30.960 --> 01:10:34.800 comparison call Compass Insurance paying too much your coverage at 1300 01:10:34.880 --> 01:10:37.600 dozens of insurance companies find out now three oh three 1301 01:10:37.720 --> 01:10:40.319 seven seven to one help. You'll think you're his only 1302 01:10:40.439 --> 01:10:42.840 customer when you choose Frank durand the real Estate Man 1303 01:10:42.960 --> 01:10:46.319 dot com to list your home with Remax Alliance three 1304 01:10:46.399 --> 01:10:48.640 oh three nine two zero sixteen twenty two. 1305 01:10:54.119 --> 01:10:59.399 Ript News need advice so you don't have. 1306 01:11:01.640 --> 01:11:03.680 Come, run just as fast as. 1307 01:11:03.600 --> 01:11:08.119 We can show Shooter's gonna help come Man. 1308 01:11:09.560 --> 01:11:14.159 Is the Troubleshooter Show. No Tom Martinez the Welcome. 1309 01:11:13.880 --> 01:11:16.000 My Friends to the Only and I mean that the 1310 01:11:16.119 --> 01:11:18.119 only Show. If it's kind effect to the tune of 1311 01:11:18.199 --> 01:11:22.279 over three hundred million dollars, we have saved people in cash, 1312 01:11:22.399 --> 01:11:24.920 merchandise exchanges refunds directly. 1313 01:11:24.640 --> 01:11:25.359 Due to this show. 1314 01:11:25.640 --> 01:11:28.079 If you need help, I'll always let you know when 1315 01:11:28.119 --> 01:11:30.399 there's a line open. We are gonna have one line 1316 01:11:30.439 --> 01:11:32.800 open in a matter of minutes. The number three oh 1317 01:11:32.920 --> 01:11:35.680 three seven one, three eight, two five five. Don't forget 1318 01:11:35.720 --> 01:11:38.279 three oh three Martino. That number works on and off 1319 01:11:38.319 --> 01:11:40.680 the air. Pass it out to your friends. We go 1320 01:11:41.079 --> 01:11:43.640 after people that ripped you off. You got a bad 1321 01:11:43.760 --> 01:11:46.479 contractor you got a landlord trying to put the screws 1322 01:11:46.560 --> 01:11:50.520 to you, you name it. That is why we exist. 1323 01:11:50.920 --> 01:11:54.039 You understand what I'm saying. That is why this team exists. 1324 01:11:54.319 --> 01:11:58.000 Three zero three Martino. Help at troubleshooter dot com in 1325 01:11:58.239 --> 01:12:01.800 studio with me, John Clays, how are you doing today, man, 1326 01:12:02.079 --> 01:12:03.359 CMG Financial. 1327 01:12:03.960 --> 01:12:06.039 I'm good, Mark, Thank you for having me here today. 1328 01:12:06.399 --> 01:12:09.600 This one is going to drive you insane. But I 1329 01:12:09.800 --> 01:12:13.760 want your first blush at what's going on with it. Okay, 1330 01:12:14.159 --> 01:12:15.920 this guy called in a couple of weeks ago, and 1331 01:12:16.000 --> 01:12:18.199 people have been dying for an update on this, so 1332 01:12:18.359 --> 01:12:21.319 I wanted to get Tarzan on. His real name's not Tarzan, 1333 01:12:21.720 --> 01:12:24.560 but I'm going to give you what happened. And the 1334 01:12:24.680 --> 01:12:28.800 reason I'm bringing John in for people listening is John 1335 01:12:29.720 --> 01:12:33.800 is a CMG Financial does every form of home loan. 1336 01:12:33.920 --> 01:12:37.000 You can imagine, there are go to experts. These guys 1337 01:12:37.079 --> 01:12:41.439 do reverse mortgages, they do ten year, fifteen, twenty year mortgages, 1338 01:12:41.520 --> 01:12:44.359 thirty year mortgages, they do the all in one loan. 1339 01:12:44.439 --> 01:12:47.960 And we'll talk about that stuff. But how many closings 1340 01:12:48.039 --> 01:12:49.359 have you been to in your life? 1341 01:12:49.479 --> 01:12:49.680 John? 1342 01:12:49.720 --> 01:12:53.199 If you had to guess one hundred, two hundred thousand. 1343 01:12:53.119 --> 01:12:55.720 Couple hundred five, maybe say so. 1344 01:12:56.239 --> 01:12:59.920 Tarzan and let me bring them up. This story's crazy, Tarzan. 1345 01:13:00.079 --> 01:13:02.960 And it was probably about two weeks ago, three weeks 1346 01:13:03.000 --> 01:13:05.640 ago on a Friday. It was before Martin Luther King 1347 01:13:06.479 --> 01:13:10.119 on that Monday, So we're talking to three weeks ago, Tarzan. 1348 01:13:10.279 --> 01:13:13.039 You had a closing with the title company in Nebraska. 1349 01:13:13.720 --> 01:13:18.399 You showed up and everybody signed everything and they handed 1350 01:13:18.479 --> 01:13:23.039 the person, the woman the keys, congratulated everybody on the closing, 1351 01:13:23.520 --> 01:13:25.720 and you went home. Am I correct? 1352 01:13:25.800 --> 01:13:26.319 So far. 1353 01:13:29.439 --> 01:13:29.840 Cars An? 1354 01:13:30.199 --> 01:13:32.920 So I did? I did that via DOCU signed. 1355 01:13:33.079 --> 01:13:34.119 That's you're right. 1356 01:13:34.479 --> 01:13:38.680 The closing was over. They said, congratulations, will have the one. 1357 01:13:38.960 --> 01:13:43.479 We'll have the funds transferred to you. On Tuesday, after. 1358 01:13:43.439 --> 01:13:45.680 Martin Luther King's got so they sent him they sent 1359 01:13:45.760 --> 01:13:48.119 him an email because they closed on Friday and it 1360 01:13:48.239 --> 01:13:51.000 was after four o'clock. They said, we're not going to 1361 01:13:51.039 --> 01:13:53.760 have the funds to you till Tuesday because we can't 1362 01:13:53.840 --> 01:13:56.720 wire because of the holiday on Monday. So you'll have 1363 01:13:56.880 --> 01:14:01.319 the funds Tuesday. The closing company, the title company, John 1364 01:14:01.760 --> 01:14:05.319 already had the funds from the buyer. Right, you follow me? 1365 01:14:05.520 --> 01:14:05.720 Yep? 1366 01:14:06.079 --> 01:14:08.840 So what's the next thing that happened? Tarzan? And for 1367 01:14:08.880 --> 01:14:11.319 anybody out there buying the house or thinking of using 1368 01:14:11.399 --> 01:14:14.359 this particular title company, I want you to pay attention 1369 01:14:14.800 --> 01:14:16.079 to the next thing he gets. 1370 01:14:16.119 --> 01:14:16.600 What was it? 1371 01:14:18.199 --> 01:14:18.479 Okay? 1372 01:14:18.600 --> 01:14:21.359 So this is where it becomes a legality standpoint right, 1373 01:14:21.439 --> 01:14:24.119 And this is what I don't know in my head. 1374 01:14:24.600 --> 01:14:25.680 That house is gone. 1375 01:14:26.119 --> 01:14:28.439 My funds will be transferred on Tuesday. 1376 01:14:28.680 --> 01:14:31.439 Well, she had the keys, right, I mean huh y 1377 01:14:32.039 --> 01:14:34.439 Not only did she have the keys, I would contend 1378 01:14:34.840 --> 01:14:37.039 you're not even allowed in that house anymore. 1379 01:14:37.119 --> 01:14:40.279 You don't own it, right, And so I mean the 1380 01:14:40.359 --> 01:14:44.199 keys is technically there's a keypad on the door. So 1381 01:14:44.399 --> 01:14:46.640 but they gave him the code. They gave her the 1382 01:14:46.720 --> 01:14:49.079 code to get in, Okay, So she goes in and 1383 01:14:49.199 --> 01:14:51.479 this is like, seriously a one in a million shot, 1384 01:14:51.680 --> 01:14:55.720 because if all this happens eight days later, I'm this 1385 01:14:55.880 --> 01:14:57.560 doesn't matter. We're not having this conversation. 1386 01:14:57.600 --> 01:15:00.520 No, if it wasn't the weekend of Mark Luther, her King, 1387 01:15:01.000 --> 01:15:03.560 or if you closed before four o'clock. 1388 01:15:03.199 --> 01:15:06.319 None know where this would have happened, right, And so 1389 01:15:06.439 --> 01:15:08.880 when she goes in, she's now the new owner of 1390 01:15:08.960 --> 01:15:11.800 the house in my head, and there was that giant 1391 01:15:11.920 --> 01:15:14.479 cold snap across the United States of. 1392 01:15:14.479 --> 01:15:17.640 America, iride, trust me. I was in Washington, d C. 1393 01:15:18.079 --> 01:15:20.960 And it was cold as hell, and right here in Colorado, 1394 01:15:21.159 --> 01:15:24.880 in Franktown, it was negative ten, right. 1395 01:15:24.880 --> 01:15:28.479 And so she goes in and the furnaces out, and 1396 01:15:28.960 --> 01:15:32.000 what she thinks in her head is the pipes are frozen, 1397 01:15:32.600 --> 01:15:37.279 which is probably technical technically correct, but. 1398 01:15:37.399 --> 01:15:38.159 They didn't burst. 1399 01:15:39.600 --> 01:15:41.720 No, I mean the water was not even running to 1400 01:15:41.800 --> 01:15:45.159 the house. I was going to get to that that 1401 01:15:45.399 --> 01:15:48.159 Tuesday once I got the money, okay. And so she 1402 01:15:48.479 --> 01:15:53.920 panics because what did she say? This is stressful, overwhelming, 1403 01:15:54.119 --> 01:15:56.359 I can't deal with all this. And so I just 1404 01:15:56.439 --> 01:15:58.359 told her, I'm like, listen, give me four days. All 1405 01:15:58.439 --> 01:15:59.279 this will be fixed. 1406 01:15:59.439 --> 01:16:01.640 It's going to be I don't even know why you 1407 01:16:01.680 --> 01:16:03.640 would say any of this. I'd be like, you bought 1408 01:16:03.680 --> 01:16:05.279 the house, didn't she get the hustle? 1409 01:16:05.520 --> 01:16:08.079 I did, But I'm you know, I'm a Nebrasa guy, 1410 01:16:08.159 --> 01:16:10.199 and you know we tend to be really trustworthy. 1411 01:16:10.520 --> 01:16:12.479 Yeah, so that's fine, But go to the next step. 1412 01:16:12.520 --> 01:16:14.399 What did you get from your title company? 1413 01:16:15.000 --> 01:16:17.800 And so the next step was is that they send 1414 01:16:17.920 --> 01:16:20.359 me an email and they tell me that they have 1415 01:16:20.520 --> 01:16:21.560 rescinded the loan. 1416 01:16:22.479 --> 01:16:25.000 They said, now listen to this, John. They said, the 1417 01:16:25.239 --> 01:16:29.600 lender rescinded the loan and they want a title company 1418 01:16:30.000 --> 01:16:31.920 to wire the money back to the lender. 1419 01:16:34.119 --> 01:16:34.319 Yeah. 1420 01:16:34.560 --> 01:16:36.720 What I said is like, you can't do that. 1421 01:16:37.000 --> 01:16:39.119 It's over, it's closed. Let's see. I want to know 1422 01:16:39.239 --> 01:16:40.760 what John, and then we're going to go to the 1423 01:16:40.840 --> 01:16:43.720 update on it with you, Tarzan. But John, just thinking 1424 01:16:43.840 --> 01:16:47.399 of everything you just heard and let's say everything's gospel. 1425 01:16:48.000 --> 01:16:51.359 Have you, first of all, ever heard of anything like 1426 01:16:51.479 --> 01:16:52.760 this happening not. 1427 01:16:52.880 --> 01:16:55.520 After the purchase, because it's a purchase, and once you 1428 01:16:55.600 --> 01:16:58.279 give the keys, it's your conveying ownership to that. I 1429 01:16:58.319 --> 01:17:01.760 don't own it anymore, you're conveying the ownership. I'm wondering 1430 01:17:01.840 --> 01:17:04.520 in Nebraska what it is is when they if they 1431 01:17:04.600 --> 01:17:08.319 ever recorded the new loan the title company, I don't 1432 01:17:08.359 --> 01:17:08.640 say so. 1433 01:17:08.920 --> 01:17:12.520 So what's his name Brad O'Brien. He talked, is that 1434 01:17:12.600 --> 01:17:12.920 his name? 1435 01:17:13.000 --> 01:17:15.199 Yeah, he's our attorney here in Colorado. 1436 01:17:15.319 --> 01:17:18.159 But keep going, yeah, yeah, yeah, but he he looked 1437 01:17:18.239 --> 01:17:21.119 up the statutes of Nebraska and he says they are 1438 01:17:21.319 --> 01:17:25.560 weaker or less stringent in Nebraska than they are in Colorado. 1439 01:17:25.960 --> 01:17:28.520 And he told me I one percent have a case. 1440 01:17:29.039 --> 01:17:32.920 Yeah, so that's an attorney here. Since then, you've hired 1441 01:17:32.920 --> 01:17:37.079 an attorney in Omaha, right, yeah, and you had an 1442 01:17:37.199 --> 01:17:39.479 update with him today. What are you guys going to do? 1443 01:17:40.479 --> 01:17:43.319 Yeah? So the old attorney was a referral from a 1444 01:17:43.399 --> 01:17:46.000 person from western Nebraska. Mark, And I think I heard 1445 01:17:46.039 --> 01:17:48.359 you saying on the YouTube Old Boys the Good it's 1446 01:17:48.439 --> 01:17:51.079 the good old Boys Club and what kind of is. 1447 01:17:51.159 --> 01:17:53.720 So there's a little town in Nebraska, hold on, just 1448 01:17:53.760 --> 01:17:57.920 a little side story not long ago, in Nebraska, Scott's Bluff. 1449 01:17:58.119 --> 01:18:01.279 It's like ten thousand people, maybe fifteen with the other town. 1450 01:18:02.239 --> 01:18:04.920 I hired a realtor. I was looking at some property there. 1451 01:18:05.239 --> 01:18:07.800 I made an offer, a cash deal on this duplex, 1452 01:18:07.880 --> 01:18:10.359 brand new duplex that had been sitting on the market 1453 01:18:10.439 --> 01:18:13.800 for a while. And what I came to find out 1454 01:18:14.359 --> 01:18:18.720 is every realtor, every title company, every lender in town 1455 01:18:18.880 --> 01:18:22.039 knows each other, and I was the setup and I 1456 01:18:22.159 --> 01:18:24.840 got the hell out of there. John, I'm not kidding. 1457 01:18:25.039 --> 01:18:28.439 They all knew each other when they When I told her, 1458 01:18:29.039 --> 01:18:32.319 meaning my realtor, how I wanted her to negotiate, let 1459 01:18:32.359 --> 01:18:34.439 me tell you something, she didn't listen to a word 1460 01:18:34.520 --> 01:18:36.720 I said. I said, you're going to make a cash offer. 1461 01:18:36.760 --> 01:18:39.119 You're going to say, here's one hundred grand, we'll put 1462 01:18:39.159 --> 01:18:41.960 in nscro tomorrow. You got twenty four hours to make it. 1463 01:18:42.079 --> 01:18:45.399 I told her exactly what to do, and none of 1464 01:18:45.479 --> 01:18:48.239 it worked out because they're all in kohots. Every damn 1465 01:18:48.319 --> 01:18:50.920 one of them's in cohoots out there. So yeah, so 1466 01:18:51.439 --> 01:18:54.840 the one, the first attorney you hired, Tars Tarzan, knew 1467 01:18:54.880 --> 01:18:56.680 all these this title company right. 1468 01:18:57.680 --> 01:19:01.399 You basically hit it right on the head. So it 1469 01:19:01.520 --> 01:19:04.399 was a referral from a buddy of mine from western Nebraska. 1470 01:19:04.920 --> 01:19:08.359 The town that I'm from is Alliance, which is much 1471 01:19:08.479 --> 01:19:12.600 smaller than Scott's Bluff. Wow, Like there's like nine thousand 1472 01:19:12.680 --> 01:19:15.680 people there. And I felt during the conference call, to 1473 01:19:15.760 --> 01:19:18.600 be honest with you, is that we were all trying 1474 01:19:18.640 --> 01:19:21.479 to come together in a Kumbaya moment to try and 1475 01:19:21.600 --> 01:19:24.000 find the best solution as a team, which is. 1476 01:19:24.039 --> 01:19:27.800 The worst solution for You're all yes, because they're all 1477 01:19:27.840 --> 01:19:30.399 in kohoots. I'm telling you, these little towns like that 1478 01:19:30.520 --> 01:19:33.479 are crooked as hell, man, they really are. They're all crooked. 1479 01:19:33.680 --> 01:19:35.359 I mean, you know, you can look at it this way. 1480 01:19:35.399 --> 01:19:38.199 They're looking out for themselves. Tarzan hold on, I got 1481 01:19:38.319 --> 01:19:40.319 to take a break when we come back way to 1482 01:19:40.399 --> 01:19:43.199 you hear where it is now he can that attorney, 1483 01:19:43.479 --> 01:19:45.680 in fact, I'll let him tell the story. And then 1484 01:19:45.720 --> 01:19:48.680 he hired an attorney in Nebraska, but in a big down. 1485 01:19:48.920 --> 01:19:52.359 Who's never met this title company? And it's a crazy update. 1486 01:19:52.399 --> 01:19:54.680 By the way, Pat's got an issue with grease Monkey. 1487 01:19:54.960 --> 01:19:57.119 They're kind of uh, they've been on my radar. A 1488 01:19:57.199 --> 01:20:02.279 little bit later and then a separation agreement with an employee. 1489 01:20:02.319 --> 01:20:03.479 Those can be tricky. 1490 01:20:03.640 --> 01:20:06.479 Donna, hold on, we don't want you getting yourself into 1491 01:20:06.520 --> 01:20:07.000 a bind. 1492 01:20:13.159 --> 01:20:16.399 Go with a sure thing Denver's best roofer Excel roofing 1493 01:20:16.520 --> 01:20:19.159 dot com. You don't pay a cent until you're content 1494 01:20:20.079 --> 01:20:24.960 than time for an insurance check up free no obligation. 1495 01:20:25.039 --> 01:20:28.840 In comparison, call Compass insurance paying too much your coverage 1496 01:20:28.880 --> 01:20:30.399 at dozens of insurance companies. 1497 01:20:30.520 --> 01:20:32.520 Find out now three oh three, seven to seven to 1498 01:20:32.560 --> 01:20:33.079 one help. 1499 01:20:33.239 --> 01:20:35.920 You'll think you're his only customer when you choose Frank 1500 01:20:35.960 --> 01:20:38.399 durand the real estate man dot com to list your 1501 01:20:38.439 --> 01:20:41.560 home with Remax Alliance three oh three nine two zero 1502 01:20:41.720 --> 01:20:42.640 sixteen twenty two. 1503 01:20:44.680 --> 01:20:47.479 Try three oh three seven one three A two five five. 1504 01:20:47.520 --> 01:20:50.119 We goidelines full right now, but that number works on 1505 01:20:50.239 --> 01:20:54.319 and off the air. Three oh three, Martino, I'm gonna 1506 01:20:54.359 --> 01:20:58.079 have Tarzan finish up with this update. It's crazy. But 1507 01:20:58.279 --> 01:21:01.239 Tom happened to text? And what did he text you? 1508 01:21:01.600 --> 01:21:01.640 So? 1509 01:21:02.159 --> 01:21:05.039 Tom tends to run a little late on his commercial spots. 1510 01:21:05.479 --> 01:21:08.359 So we talked about this today because during the first 1511 01:21:08.399 --> 01:21:12.039 two hours of the show, we're networked with other people 1512 01:21:12.199 --> 01:21:15.239 besides iHeart, so we send the signal. When we go 1513 01:21:15.399 --> 01:21:18.239 to break, they insert their own commercials, but we do 1514 01:21:18.479 --> 01:21:21.760 live spots and Tom's usually, you know, late on his 1515 01:21:21.920 --> 01:21:25.359 live spots. And I told him I'm always pretty much 1516 01:21:25.439 --> 01:21:27.920 perfect on mine. When did he text? So he texted 1517 01:21:28.039 --> 01:21:32.439 that was overtime, lolh. The difference is of first two 1518 01:21:32.520 --> 01:21:37.159 hours or networked, meaning it matters. Now it doesn't matter, 1519 01:21:37.800 --> 01:21:41.680 so I intentionally go over to help out the client. 1520 01:21:41.800 --> 01:21:43.520 I mean, I can't put it any other way. 1521 01:21:43.640 --> 01:21:43.880 Tom. 1522 01:21:44.920 --> 01:21:49.479 So what Dragon was suggesting is every morning, you sit 1523 01:21:49.600 --> 01:21:52.800 down before the show and you'll do what we'll refer 1524 01:21:52.920 --> 01:21:56.359 to as like lives. So if you have twenty commercials 1525 01:21:56.479 --> 01:21:59.680 before the show, you'll sit down every morning, every single 1526 01:21:59.760 --> 01:22:03.880 morning and cut twenty different commercials and then Dragon and 1527 01:22:03.960 --> 01:22:06.960 Shannon will insert them. But we'll talk about that later, Tom. 1528 01:22:07.279 --> 01:22:11.239 Now let's finish this up because this story's crazy. So, Tarzan, 1529 01:22:11.920 --> 01:22:15.600 you you fired that attorney basically because you started going, Okay, 1530 01:22:15.720 --> 01:22:17.000 this guy's in Cahoo's right. 1531 01:22:18.640 --> 01:22:21.359 Yeah, they were. They were trying to come together as 1532 01:22:21.399 --> 01:22:21.720 a whole. 1533 01:22:21.880 --> 01:22:24.199 Yeah, tried and find the best and all you wanted 1534 01:22:24.319 --> 01:22:24.800 was the money. 1535 01:22:25.800 --> 01:22:26.479 Yeah, exactly. 1536 01:22:26.800 --> 01:22:29.760 So basically you hired a new attorney. He's looked over 1537 01:22:29.880 --> 01:22:34.000 all the evidence, all the emails saying congratulation on your closing. 1538 01:22:34.279 --> 01:22:37.079 We're gonna wire you the money. Oh we wired them 1539 01:22:37.199 --> 01:22:40.000 the money back you've got. He's looked over everything, and 1540 01:22:40.159 --> 01:22:42.680 what does he think or she I'm not sure? 1541 01:22:43.760 --> 01:22:47.000 Uh, it's a heat He one hundred percent says I 1542 01:22:47.199 --> 01:22:47.840 have a case. 1543 01:22:48.840 --> 01:22:48.960 Now. 1544 01:22:49.119 --> 01:22:54.199 Naturally, when you transition from western Nebraska to eastern Nebraska, Yep, 1545 01:22:54.479 --> 01:22:56.680 it's gonna take It's gonna take a little bit longer 1546 01:22:56.760 --> 01:23:00.880 for these guys to get going. But his communicat's been great. 1547 01:23:01.039 --> 01:23:03.399 He says, I have a case, and that's where we. 1548 01:23:03.479 --> 01:23:06.560 Are right now. I absolutely love it. 1549 01:23:06.680 --> 01:23:06.840 Man. 1550 01:23:07.159 --> 01:23:09.680 Let us know what's going to happen, though. It's going 1551 01:23:09.760 --> 01:23:12.239 to be the damages because you have it listed up again. 1552 01:23:12.560 --> 01:23:14.760 So if you sell it for less, they'll still be 1553 01:23:14.840 --> 01:23:17.279 easy to figure out. For the title insurance, if you 1554 01:23:17.359 --> 01:23:19.520 only sell it for one fifty, they're going to owe you, 1555 01:23:19.640 --> 01:23:22.880 in my opinion that fifteen sixteen grand or whatever the 1556 01:23:22.960 --> 01:23:26.199 difference is. But I think they also you interest on 1557 01:23:26.319 --> 01:23:29.079 that money to your reclaim it. But a good attorney 1558 01:23:29.199 --> 01:23:31.760 is going to figure out every bit of damages you have. 1559 01:23:32.279 --> 01:23:34.760 I think the money you put into the pipes, or 1560 01:23:34.800 --> 01:23:37.039 the money you put into the furnace, they're going to 1561 01:23:37.119 --> 01:23:39.720 have to recoup as well. I think you've got plenty 1562 01:23:39.760 --> 01:23:42.279 of damages. Then they're going to have to pay attorneys fees. 1563 01:23:42.720 --> 01:23:46.239 I think that title company is insane. Mark. 1564 01:23:46.319 --> 01:23:49.760 Why can't I get that entire purchase price back from 1565 01:23:49.840 --> 01:23:50.680 the title Insurance. 1566 01:23:50.760 --> 01:23:53.439 Well, if you don't, well, the only reason I said 1567 01:23:53.479 --> 01:23:56.680 that Tarzan is you said you have a backup for sale. 1568 01:23:56.720 --> 01:23:56.880 Now. 1569 01:23:57.159 --> 01:23:59.760 If you sell it now, you're limiting your damages. 1570 01:24:00.119 --> 01:24:02.960 If you don't sell it, they could very well have 1571 01:24:03.159 --> 01:24:04.920 to buy the entire thing. 1572 01:24:05.079 --> 01:24:07.720 I mean, it all depends on what you do. But man, 1573 01:24:07.880 --> 01:24:12.119 please keep us informed on this. I think it's crazy, honestly, 1574 01:24:12.199 --> 01:24:15.079 and I'll ask our expert again, John was CMG Financial. 1575 01:24:15.439 --> 01:24:18.039 I have bought and sold a lot of properties. I 1576 01:24:18.199 --> 01:24:22.319 have never left a closing without it being a closing ever, 1577 01:24:22.760 --> 01:24:24.239 And that's what they're saying. 1578 01:24:24.600 --> 01:24:28.279 Especially if they gave the keys. That's the crazy part. 1579 01:24:28.640 --> 01:24:30.880 It has done. It's over. They emailed them both, going 1580 01:24:31.039 --> 01:24:32.880 congratulations on your closing. 1581 01:24:33.119 --> 01:24:34.920 Yeah, I mean that todd of company had the money 1582 01:24:35.039 --> 01:24:35.680 in their account. 1583 01:24:35.720 --> 01:24:38.399 They acknowledged they did. Because they acknowledge they sent it back. 1584 01:24:38.600 --> 01:24:40.920 So I mean it should be a pretty easy occasion. 1585 01:24:41.119 --> 01:24:43.920 Guess guess who knew Guess who knew the lender very well, 1586 01:24:44.920 --> 01:24:46.159 the title company company. 1587 01:24:46.439 --> 01:24:49.199 And yeah, you could probably even get days of rents 1588 01:24:49.319 --> 01:24:50.079 or missing out. 1589 01:24:50.319 --> 01:24:52.760 Oh yeah, think of all the rent you could have charged, Tarzan, 1590 01:24:52.880 --> 01:24:55.239 you got to beat that attorney up. A good attorney's 1591 01:24:55.239 --> 01:24:56.920 going to think of all this, but all the money 1592 01:24:56.960 --> 01:24:59.680 you missed whatever the money you missed because of this 1593 01:25:00.000 --> 01:25:04.079 plus interest is what they owe you. And in my opinion, 1594 01:25:04.760 --> 01:25:07.600 I would also say attorney's fees. I mean, honestly, And 1595 01:25:07.760 --> 01:25:10.800 here's the nice part, Tarzan, It's not like they have 1596 01:25:10.960 --> 01:25:13.479 to come out of pocket. They're a title company. They 1597 01:25:13.560 --> 01:25:17.319 have one insurance and this is an error in my opinion. 1598 01:25:17.720 --> 01:25:20.760 So Tarzan, keep us informed and thank you for the update. 1599 01:25:20.840 --> 01:25:23.199 Man, did I ask you one question? 1600 01:25:23.359 --> 01:25:23.720 Go ahead? 1601 01:25:24.920 --> 01:25:27.399 What if I listened it for fourteen thousand dollars more 1602 01:25:28.439 --> 01:25:30.279 and you sold it for fourteen more? 1603 01:25:31.279 --> 01:25:33.800 No, but I think I can Well, if you sold 1604 01:25:33.880 --> 01:25:37.479 it for fourteen more, you would have to take whatever 1605 01:25:37.880 --> 01:25:40.800 the title company owes you the full amount, and then 1606 01:25:40.960 --> 01:25:44.880 have damages that are higher than that fourteen thousand dollars. 1607 01:25:45.239 --> 01:25:48.840 I think with interest, rent and some other stuff, you 1608 01:25:49.039 --> 01:25:51.119 might be able to get there. But I mean that's 1609 01:25:51.319 --> 01:25:54.359 that's math. I mean literally, that's math. You got to 1610 01:25:54.439 --> 01:25:58.319 calculate the damages. But they should be buying it for 1611 01:25:58.439 --> 01:26:01.159 that price. If you can't sell it for that price 1612 01:26:01.279 --> 01:26:03.439 or sell it for less, they need to make up 1613 01:26:03.520 --> 01:26:06.640 the difference. Quite frankly, plus all your other damages, all 1614 01:26:06.680 --> 01:26:09.800 the repairs, all the time, everything, If you had to 1615 01:26:09.840 --> 01:26:11.960 get a hotel there anything, man. 1616 01:26:12.479 --> 01:26:15.479 So well, I mean I spent one thousand or thirteen 1617 01:26:15.560 --> 01:26:17.520 hundred dollars on the furnace to get that fix. What 1618 01:26:17.600 --> 01:26:18.920 should have been the old owners. 1619 01:26:19.399 --> 01:26:20.399 It should relisted. 1620 01:26:20.520 --> 01:26:23.000 I've relisted it for one hundred and seventy seven thousand. 1621 01:26:23.119 --> 01:26:25.079 I get it. It's gonna take it's gonna take a 1622 01:26:25.159 --> 01:26:25.880 while to sell. 1623 01:26:26.479 --> 01:26:30.159 Like that's the attorney is going to calculate all that, Tarzan, 1624 01:26:30.520 --> 01:26:33.880 you are gonna have damages. If you get seventeen thousand more, 1625 01:26:34.640 --> 01:26:37.760 arguably you're still gonna have damages, but that is going 1626 01:26:37.800 --> 01:26:38.880 to bring them down a little. 1627 01:26:40.680 --> 01:26:43.119 So there's no there's no way that I can have 1628 01:26:43.239 --> 01:26:47.439 a title insurance company pay for that closing price of 1629 01:26:47.560 --> 01:26:48.920 one sixty three five. 1630 01:26:49.079 --> 01:26:51.319 They should be because they should have sent you that money. 1631 01:26:51.359 --> 01:26:54.520 But that's what the attorney's for. I'm telling you again, Tarzan, 1632 01:26:54.960 --> 01:26:57.960 if you can't sell that house now, I find it 1633 01:26:58.079 --> 01:26:59.840 in saying that they don't have to buy it for 1634 01:27:00.039 --> 01:27:02.800 that amount of money. I just find it insane. John, 1635 01:27:03.279 --> 01:27:06.359 I mean, you've dealt with title insurance before. Just an 1636 01:27:06.399 --> 01:27:08.680 opinion on it. I know it's not a legal opinion, 1637 01:27:08.760 --> 01:27:11.600 but what really, how do you think they would make 1638 01:27:11.680 --> 01:27:12.079 this right. 1639 01:27:12.479 --> 01:27:16.000 Title company will will settle, pay attorney fees, or they'll 1640 01:27:16.000 --> 01:27:18.079 they'll make sure you're your your whole. 1641 01:27:18.319 --> 01:27:21.640 Yeah, you paid them, you paid them. Here's here's what 1642 01:27:21.840 --> 01:27:25.800 kills me. He literally paid them for weird crap that 1643 01:27:25.960 --> 01:27:28.439 happens like this, and they caused it. 1644 01:27:28.840 --> 01:27:33.239 Yeah, I mean title companies. I'm pretty sure you'll get settled. 1645 01:27:33.720 --> 01:27:36.199 Let's free him up there, and then if anybody out 1646 01:27:36.239 --> 01:27:38.840 there works for a title company, big or small, I 1647 01:27:38.920 --> 01:27:42.000 would love to hear your thoughts on it. One line open, 1648 01:27:42.119 --> 01:27:46.600 three oh three Martino, Now real quick, Hey, Pat, what's 1649 01:27:46.680 --> 01:27:49.159 going on with grease monkey? I got I gotta take 1650 01:27:49.239 --> 01:27:51.359 this break, but I want to think about your problem. 1651 01:27:51.600 --> 01:27:52.239 What happened? 1652 01:27:52.640 --> 01:27:52.920 Okay? 1653 01:27:54.359 --> 01:27:57.760 Yes, hi Tom, thank you for having me on. So 1654 01:27:58.600 --> 01:28:03.520 my husband took our truck, our two thousand and six 1655 01:28:03.600 --> 01:28:10.159 Toyota tundra to grace monkeys in Long ran for in 1656 01:28:10.199 --> 01:28:15.680 a while change okay, and ten twenty twenty four and 1657 01:28:17.600 --> 01:28:22.239 about February first he heard He came home and said 1658 01:28:22.279 --> 01:28:25.640 he heard a noise. He usually drive it because I 1659 01:28:25.760 --> 01:28:27.119 have muscular dystrophe. 1660 01:28:27.319 --> 01:28:30.840 And hey, hey, hey Pat, what kind of noise was 1661 01:28:30.920 --> 01:28:32.319 it like? Describe it? 1662 01:28:32.520 --> 01:28:37.119 Well, he said it was a noise he'd never heard before. Doug, 1663 01:28:37.199 --> 01:28:37.720 are you here? 1664 01:28:38.119 --> 01:28:38.319 Yeah? 1665 01:28:38.479 --> 01:28:39.119 Oh, thank you? 1666 01:28:39.479 --> 01:28:39.680 Yeah? 1667 01:28:39.760 --> 01:28:40.960 Like what did it sound like? 1668 01:28:41.199 --> 01:28:41.239 Not? 1669 01:28:41.479 --> 01:28:43.640 Ultimately, what is it? I'd like to know what it 1670 01:28:43.760 --> 01:28:48.239 sounded like, like brakes or like an engine. This was 1671 01:28:48.359 --> 01:28:53.760 four months later, hurdling like it sounds like possibly overheating. 1672 01:28:53.840 --> 01:28:56.640 Hold on, I want to figure out what happened. My goodness, 1673 01:28:56.720 --> 01:28:59.920 I hope it didn't overheat. And basically it needs it 1674 01:29:00.079 --> 01:29:02.680 engine or something. We're gonna find out and then Donna 1675 01:29:02.680 --> 01:29:04.920 and Sherry, you'll be up next. One line open, three 1676 01:29:05.000 --> 01:29:06.359 oh three, Martino. 1677 01:29:10.920 --> 01:29:14.159 Go with a sure thing Denver's best roofer Excel Roofing 1678 01:29:14.279 --> 01:29:14.680 dot com. 1679 01:29:14.880 --> 01:29:16.880 You don't pay a cent until you're content. 1680 01:29:20.279 --> 01:29:23.439 Time for an insurance check up free no obligation comparison 1681 01:29:23.600 --> 01:29:27.159 call Compass Insurance paying too much your coverage at dozens 1682 01:29:27.159 --> 01:29:29.920 of insurance companies find out now three oh three seven 1683 01:29:30.000 --> 01:29:30.439 seven to one. 1684 01:29:30.600 --> 01:29:30.840 Help. 1685 01:29:31.000 --> 01:29:33.640 You'll think you're his only customer when you choose Frank 1686 01:29:33.720 --> 01:29:36.119 durand the real estate Man dot com to list your 1687 01:29:36.199 --> 01:29:39.319 home with Remax Alliance three oh three nine two zero 1688 01:29:39.439 --> 01:29:40.399 sixteen twenty two. 1689 01:29:46.880 --> 01:29:47.560 All right three o. 1690 01:29:47.680 --> 01:29:51.199 Three seven one three eight two five five one line open, 1691 01:29:51.239 --> 01:29:53.800 three oh three, Martino, I'm gonna go right back to pad. 1692 01:29:53.840 --> 01:29:58.119 Here's the bottom line. October twenty second, twenty twenty four. 1693 01:29:58.199 --> 01:30:01.920 They bring their truck in to grease Monkey and now 1694 01:30:02.319 --> 01:30:04.640 we're skipping all the way to February. That's a lot 1695 01:30:04.720 --> 01:30:08.439 of months and possibly a lot of miles. You guys 1696 01:30:08.520 --> 01:30:11.279 start hearing a noise that was kind of like a 1697 01:30:11.439 --> 01:30:14.399 gurgling sound. Did you guys get it checked out? 1698 01:30:14.479 --> 01:30:14.680 Pat? 1699 01:30:14.800 --> 01:30:16.119 And what was the noise? 1700 01:30:17.800 --> 01:30:20.159 Well, he told me he came in and said he 1701 01:30:20.239 --> 01:30:23.479 heard a noise, a gurgling noise he hadn't heard before. 1702 01:30:24.399 --> 01:30:29.079 And it's like, I'll take it in or I'll listen 1703 01:30:29.239 --> 01:30:32.119 for it in the future. The next day he went 1704 01:30:32.199 --> 01:30:34.840 to pay rent and when he came out of the office, 1705 01:30:34.920 --> 01:30:37.640 he noticed some liquid under the front of the truck. 1706 01:30:37.760 --> 01:30:41.479 Also it was, oh, it might be the car that 1707 01:30:41.720 --> 01:30:43.079 bos parked there previously. 1708 01:30:43.279 --> 01:30:48.039 Oh but the next day, but all but all grease 1709 01:30:48.119 --> 01:30:50.960 Monkey did. I want to interrupt real quick to make 1710 01:30:50.960 --> 01:30:53.479 sure I'm right. But all grease Monkey did was an 1711 01:30:53.560 --> 01:30:56.279 oil change and then probably top off the fluids. 1712 01:30:58.840 --> 01:31:02.680 Yeah, okay, they I'm going to let my husband tell 1713 01:31:02.760 --> 01:31:03.520 you because. 1714 01:31:03.399 --> 01:31:04.880 Put him on no problem. What's his name? 1715 01:31:07.640 --> 01:31:07.880 Hello? 1716 01:31:08.159 --> 01:31:08.760 What's your name? 1717 01:31:08.800 --> 01:31:08.960 Man? 1718 01:31:09.239 --> 01:31:13.159 Anyway, I'm Doug Doug. So, so what did you find out? 1719 01:31:13.239 --> 01:31:13.720 What happened? 1720 01:31:14.960 --> 01:31:15.279 Okay? 1721 01:31:15.439 --> 01:31:19.039 Well, long story shirt short. As I went out the 1722 01:31:19.159 --> 01:31:21.960 next morning to get my truck to go to the store, 1723 01:31:22.119 --> 01:31:25.319 and there was like a huge puddle of oil underneath 1724 01:31:25.359 --> 01:31:25.680 the truck. 1725 01:31:25.840 --> 01:31:26.079 Oil. 1726 01:31:26.680 --> 01:31:27.800 So I popped the hood. 1727 01:31:27.880 --> 01:31:28.279 I looked. 1728 01:31:28.359 --> 01:31:31.640 I couldn't tell where it was coming from. So I 1729 01:31:31.720 --> 01:31:34.319 took it to Grease Monkey because it was it was How. 1730 01:31:34.279 --> 01:31:35.279 Low on oil was it? 1731 01:31:35.399 --> 01:31:35.560 Though? 1732 01:31:35.760 --> 01:31:37.239 I mean, did you put oil in it was? 1733 01:31:38.520 --> 01:31:40.279 There was nothing on the dipsticks. 1734 01:31:40.359 --> 01:31:41.359 Why would you drive to. 1735 01:31:43.640 --> 01:31:43.800 Well? 1736 01:31:43.840 --> 01:31:46.520 I didn't know until the next morning when I went 1737 01:31:46.560 --> 01:31:48.479 out to go to the store. And Grease Monkey is 1738 01:31:48.560 --> 01:31:49.600 only like a block. 1739 01:31:49.359 --> 01:31:51.199 From my house, all right, So you drove it up there? 1740 01:31:52.600 --> 01:31:53.319 Yeah, I did. 1741 01:31:53.560 --> 01:31:56.239 And they pulled it in in the bay and they 1742 01:31:56.319 --> 01:31:59.199 went and checked everything, and they said it wasn't wasn't 1743 01:31:59.239 --> 01:32:00.960 there a thing, And they said it was a blown 1744 01:32:01.000 --> 01:32:05.479 head gasket. And he said, I'll put six quarts oil 1745 01:32:05.520 --> 01:32:07.880 in it and that'll get you home or get you 1746 01:32:08.000 --> 01:32:11.720 to a mechanic Well, about a mile and a half 1747 01:32:11.800 --> 01:32:14.399 down the road is an automotive place. I took it 1748 01:32:14.520 --> 01:32:17.319 there and it just poured oil all the way there. 1749 01:32:17.680 --> 01:32:19.199 Where did they say it was leaking? 1750 01:32:20.840 --> 01:32:24.239 Well, they charged me two hundred and five dollars to 1751 01:32:24.359 --> 01:32:30.199 do it diagnostic, and they called me up and said, 1752 01:32:31.880 --> 01:32:35.520 what the problem was is the oil filter was double gasketed. 1753 01:32:35.640 --> 01:32:37.520 I knew you was going to say that. I swear 1754 01:32:37.560 --> 01:32:39.000 to God, I knew they were going to say it, 1755 01:32:39.439 --> 01:32:41.279 and you're saying, now here's what I got to know. 1756 01:32:41.359 --> 01:32:44.039 When you brought it back to Jiffy Lube and they 1757 01:32:44.119 --> 01:32:46.239 put oil in it, and then you drove it over there, 1758 01:32:46.560 --> 01:32:49.880 did they put a new filter on it? Veryce Monkey? Yeah, 1759 01:32:49.960 --> 01:32:52.560 grease Monkey. I'm sorry, You're right, Grease Monkey. Did they 1760 01:32:52.640 --> 01:32:53.840 put a new filter on it? 1761 01:32:55.560 --> 01:32:58.640 No, they did the work at the mechanics that I 1762 01:32:58.720 --> 01:32:59.119 took it to. 1763 01:32:59.439 --> 01:33:04.239 No, but hold on, Doug, this is important. I understand everything, 1764 01:33:04.640 --> 01:33:07.600 and I understand. Then you drove it back to Grease Monkey. 1765 01:33:08.000 --> 01:33:10.439 When you brought it there, you said they put oil 1766 01:33:10.520 --> 01:33:15.039 in it so you could get somewhere else. Is that correct? Yes, 1767 01:33:15.279 --> 01:33:16.680 when they put oil. 1768 01:33:16.439 --> 01:33:18.560 In he when he pulled it out of the bay, 1769 01:33:18.840 --> 01:33:20.199 it was just pouring out like. 1770 01:33:20.720 --> 01:33:24.920 A garden host. When you left, Grease monkey. Yes, did 1771 01:33:24.960 --> 01:33:26.720 they put a new oil filter on? 1772 01:33:26.960 --> 01:33:27.119 Then? 1773 01:33:28.720 --> 01:33:29.399 No, they did not. 1774 01:33:29.680 --> 01:33:32.399 Okay, thank you, that's me. Well they didn't even put 1775 01:33:32.439 --> 01:33:35.760 it up in the air. No they didn't. 1776 01:33:35.840 --> 01:33:37.760 They just drove it in and they got a pit. 1777 01:33:38.359 --> 01:33:42.119 He went down and checked the oil filter and the 1778 01:33:42.239 --> 01:33:42.800 dream plug. 1779 01:33:43.399 --> 01:33:43.720 I got it. 1780 01:33:43.920 --> 01:33:46.119 Now, now hold on, hold on, hold on. I want 1781 01:33:46.159 --> 01:33:48.760 to ask you this now, Doug. So you brought it 1782 01:33:48.880 --> 01:33:51.000 to the other place. You paid two hundred and fifty 1783 01:33:51.119 --> 01:33:54.600 for the diagnostic. They figured out it was double gasketed 1784 01:33:54.720 --> 01:33:56.720 on the oil filter. And let me tell you, I 1785 01:33:56.840 --> 01:33:59.359 owned five good years around town for a long time. 1786 01:34:00.000 --> 01:34:03.039 Bubble gaskets happened. We all try to make sure they don't. 1787 01:34:03.079 --> 01:34:05.600 But what happens is on an oil filter, you have 1788 01:34:05.760 --> 01:34:08.840 a ring going around the gasket and you tighten it 1789 01:34:08.960 --> 01:34:12.359 up against the metal. If you take the old filter 1790 01:34:12.520 --> 01:34:15.239 off in that rubber ring stuck up there and you 1791 01:34:15.359 --> 01:34:17.880 didn't check for it, then you put the new one on. 1792 01:34:18.600 --> 01:34:22.600 Eventually those two seals, because they're both rubber, will let 1793 01:34:22.720 --> 01:34:25.279 oil out and it can blow out of there quick. 1794 01:34:25.560 --> 01:34:28.399 It can do it really quickly, like that same day, 1795 01:34:28.760 --> 01:34:30.640 or it can do it later in time. It can 1796 01:34:30.760 --> 01:34:35.239 get worse and your seem to get six and fifty miles. 1797 01:34:35.600 --> 01:34:35.800 Yeah. 1798 01:34:35.880 --> 01:34:38.439 So, but here's what I want to know. So they 1799 01:34:38.600 --> 01:34:41.840 charged you two hundred and fifty bucks. What else did 1800 01:34:41.920 --> 01:34:44.119 they charge you? Did they do a new oil filter 1801 01:34:44.279 --> 01:34:45.319 and everything's good now? 1802 01:34:46.079 --> 01:34:47.039 Yep, yep. 1803 01:34:47.239 --> 01:34:50.880 So the total they did the oil filter and put 1804 01:34:51.000 --> 01:34:53.960 new oil in it, and the total bill was two 1805 01:34:54.079 --> 01:34:57.119 hundred and eighty five dollars and it works fine? 1806 01:34:57.159 --> 01:34:57.279 Now? 1807 01:34:57.359 --> 01:35:00.760 Why because yeah, it's seems to be fine. 1808 01:35:00.760 --> 01:35:02.960 All right, get Kevin talking on. I just want to 1809 01:35:03.000 --> 01:35:05.279 make sure on something. But i'll tell you right now, 1810 01:35:05.319 --> 01:35:08.800 if everything you're saying is correct, I think Grease Monkey's 1811 01:35:08.960 --> 01:35:11.720 lucky as hell. I think they should be paying that 1812 01:35:11.800 --> 01:35:14.319 two hundred and eighty five bucks. And I guess that's 1813 01:35:14.359 --> 01:35:15.439 why you're calling. 1814 01:35:15.279 --> 01:35:18.600 Right, yes, and he goes. I went back to Grease 1815 01:35:18.640 --> 01:35:21.199 Monkey and I went in and I talked to the manager. 1816 01:35:20.840 --> 01:35:22.960 And he just like, I didn't do it. You know what, 1817 01:35:23.079 --> 01:35:23.560 he's an ass? 1818 01:35:23.800 --> 01:35:27.479 Well you know what, I hate people? Yeah, he is. 1819 01:35:27.560 --> 01:35:29.680 He's an ass. And I'll tell you what I can 1820 01:35:29.800 --> 01:35:31.640 just it's an opinion of mine, but he's an ass. 1821 01:35:31.880 --> 01:35:34.640 And I wish I could finish that word, but Dragon 1822 01:35:34.680 --> 01:35:38.159 won't let me So here's the bottom line, Kelly, I 1823 01:35:38.319 --> 01:35:42.359 want you to call these grease monkey people and try 1824 01:35:42.399 --> 01:35:45.199 to get this managers on. What was the guy's name, Doug. 1825 01:35:45.520 --> 01:35:48.279 This is They should be so thankful he was. 1826 01:35:48.479 --> 01:35:51.359 He was very rude and just like he didn't want 1827 01:35:51.399 --> 01:35:51.880 to talk to me. 1828 01:35:52.000 --> 01:35:53.960 Yeah, I get it, you know what. They should be 1829 01:35:54.079 --> 01:35:57.319 so damn thankful that they're not buying an engine at 1830 01:35:57.359 --> 01:35:57.720 this point. 1831 01:35:57.800 --> 01:36:01.079 Shouldn't they have given grease Monkey chance to fix the 1832 01:36:01.199 --> 01:36:03.319 issue before taking it to another shop. 1833 01:36:03.479 --> 01:36:05.239 He brought it there, they put oil in it and 1834 01:36:05.279 --> 01:36:08.239 said we didn't do anything. No, they did the typical 1835 01:36:08.319 --> 01:36:10.960 in my opinion, Look, grease monkey, hold on, hold on, 1836 01:36:11.079 --> 01:36:14.079 Doug and Pat, give Kelly that number. I want to 1837 01:36:14.119 --> 01:36:17.000 get freaking these people on. I really want them to 1838 01:36:17.039 --> 01:36:19.840 come on, Kelly. When you really put on the sweet talk, 1839 01:36:19.960 --> 01:36:22.560 we can generally get a business on. If not, I'm 1840 01:36:22.640 --> 01:36:24.760 just gonna light them up because I'm sick and tired 1841 01:36:25.079 --> 01:36:27.880 of shops and I don't care if it's a deal 1842 01:36:27.960 --> 01:36:30.760 in Doug store, I don't care. If it's any dealer 1843 01:36:30.840 --> 01:36:33.000 out there, I don't care if it's a grease monkey 1844 01:36:33.039 --> 01:36:35.520 at Jiffy Lub a good Year, I don't care what 1845 01:36:35.720 --> 01:36:37.840 it is, but I'll tell you this, I am sick 1846 01:36:37.920 --> 01:36:41.840 and tired of responses like that. All this guy had 1847 01:36:41.880 --> 01:36:43.479 to do was check for a double. 1848 01:36:49.199 --> 01:36:52.439 Go with a sure thing Denver's Best roofer Excel Roofing 1849 01:36:52.560 --> 01:36:55.159 dot com. You don't pay a cent until you're content. 1850 01:36:58.560 --> 01:37:01.720 Time for an insurance check up free, no obligation. In comparison, 1851 01:37:01.880 --> 01:37:05.439 call Compass Insurance paying too much your coverage at dozens 1852 01:37:05.439 --> 01:37:08.159 of insurance companies find out now three all three seven 1853 01:37:08.199 --> 01:37:10.520 to seven to one help. You'll think you're his only 1854 01:37:10.640 --> 01:37:13.079 customer when you choose Frank durand the real estate Man 1855 01:37:13.159 --> 01:37:16.560 dot com to list your home with Remax Alliance three 1856 01:37:16.640 --> 01:37:18.680 all three nine two zero sixteen twenty two. 1857 01:37:20.560 --> 01:37:22.800 Man, I'm getting sick and tired of places at. 1858 01:37:22.880 --> 01:37:23.159 You know what. 1859 01:37:23.319 --> 01:37:26.319 The whole new go to move, the whole new go 1860 01:37:26.560 --> 01:37:30.439 to in the auto repair industry is it wasn't me, 1861 01:37:30.840 --> 01:37:34.560 wasn't me, wasn't me, wasn't me. That's what happens, and 1862 01:37:34.680 --> 01:37:38.279 it's getting ridiculous. It doesn't matter once again, if it's 1863 01:37:38.319 --> 01:37:41.479 a dealership. We've had some of the best dealerships that 1864 01:37:41.640 --> 01:37:44.960 have we've never had complaints on start getting complaints because 1865 01:37:45.000 --> 01:37:48.079 they're hiring people that simply don't know what they're doing. Now, 1866 01:37:48.399 --> 01:37:51.640 hiring someone that can't do an oil change is crazy. 1867 01:37:51.720 --> 01:37:55.159 But once again, like I was telling everybody Kevin Cokin 1868 01:37:55.239 --> 01:37:57.720 shared in auto Tech, when I had my good years, 1869 01:37:58.079 --> 01:38:01.159 we had double gaskets on oil film. My god, we 1870 01:38:01.359 --> 01:38:04.520 might do a thousand oil changes a week. Of course, 1871 01:38:04.560 --> 01:38:06.840 we're going to mess up at some point, But but 1872 01:38:07.840 --> 01:38:10.359 I mean, how many times does it happen to you? 1873 01:38:12.640 --> 01:38:15.880 Very infrequent because I don't hire younger mechanics. Most of 1874 01:38:15.920 --> 01:38:17.319 my mechanics are ten years plus. 1875 01:38:17.479 --> 01:38:21.159 Yeah, they're not you iffy load people. No, So did 1876 01:38:21.239 --> 01:38:22.920 you hear the story? Were you listening? 1877 01:38:24.079 --> 01:38:24.119 No? 1878 01:38:24.319 --> 01:38:25.119 Unfortunately I wasn't. 1879 01:38:25.239 --> 01:38:27.359 So listen to this, and you tell me if I'm 1880 01:38:27.439 --> 01:38:30.800 flawed in this. So Doug goes to Grease Monkey on 1881 01:38:30.880 --> 01:38:35.840 October twenty second, twenty twenty four. On February first, he 1882 01:38:36.079 --> 01:38:40.960 notices oil dripping. He brings it back there. It's everywhere. 1883 01:38:41.000 --> 01:38:43.600 When I say notice is it? I mean it's way 1884 01:38:43.720 --> 01:38:46.119 under his car. We're talking a puddle. At this point. 1885 01:38:46.520 --> 01:38:50.039 He drives one block to the Grease Monkey. They look 1886 01:38:50.119 --> 01:38:52.800 at it, they say, it's nothing we did wrong. But 1887 01:38:52.960 --> 01:38:54.760 we're going to fill it up with oil so you 1888 01:38:54.840 --> 01:38:57.399 can drive it somewhere to get checked. So they put 1889 01:38:57.479 --> 01:39:00.279 how many courts, Doug, how many quarts did a grease 1890 01:39:00.359 --> 01:39:01.600 monkey tell you they put in it? 1891 01:39:03.000 --> 01:39:05.199 He said that he puts six courts. 1892 01:39:04.960 --> 01:39:07.680 So he puts six courts in it. This guy drives 1893 01:39:07.760 --> 01:39:11.239 a couple of blocks to a repair shop and he 1894 01:39:11.399 --> 01:39:13.520 ends up paying two hundred and eighty five bucks for 1895 01:39:13.600 --> 01:39:16.760 the diagnostic. And guess what it was. It was the 1896 01:39:16.920 --> 01:39:20.720 dang oil filter. That's all it was. It was double gasketed. 1897 01:39:21.079 --> 01:39:24.079 So first of all, is it possible for a double 1898 01:39:24.159 --> 01:39:27.199 gasket not the leak or barely leak and then all 1899 01:39:27.239 --> 01:39:29.960 of a sudden leaked like a sieve in three months? 1900 01:39:32.640 --> 01:39:35.520 Oh my goodness, get Kevin back up. I don't even 1901 01:39:35.600 --> 01:39:37.960 I don't think I hung up on him. I mean, 1902 01:39:38.039 --> 01:39:39.079 anything's possible. 1903 01:39:39.880 --> 01:39:40.159 Is it? 1904 01:39:40.319 --> 01:39:42.760 Maybe Tom hung up on him remotely? I'm not sure 1905 01:39:42.880 --> 01:39:44.359 we're gonna get Kevin right back up. 1906 01:39:44.720 --> 01:39:49.279 That sounds like his m Yeah, look rude. He was 1907 01:39:49.439 --> 01:39:51.199 very rude to me when I was in there. He 1908 01:39:51.239 --> 01:39:54.600 didn't want to give me number to corporate or anything. 1909 01:39:54.800 --> 01:39:56.199 All he said is I didn't know know? 1910 01:39:56.960 --> 01:39:57.760 Is Kevin back up? 1911 01:39:57.800 --> 01:39:57.960 Though? 1912 01:39:58.880 --> 01:40:01.560 Hey, Kevin, I'm sorry. Hold on, Doug, Doug, hold one, Hey, 1913 01:40:01.720 --> 01:40:05.119 sorry about that, bro so so go ahead, double gasket 1914 01:40:05.199 --> 01:40:08.079 three months later and then finally that air seats and 1915 01:40:08.159 --> 01:40:15.319 boom it blows it out. Yeah yeah, Kevin, your thoughts. 1916 01:40:17.520 --> 01:40:19.640 That's a long time ago to double gasket. They don't 1917 01:40:19.800 --> 01:40:20.319 how many. 1918 01:40:20.239 --> 01:40:21.079 Miles, Doug. 1919 01:40:22.600 --> 01:40:22.960 It was. 1920 01:40:23.479 --> 01:40:26.520 I figured it was six hundred and seventy six miles 1921 01:40:26.600 --> 01:40:28.359 from when they. 1922 01:40:28.840 --> 01:40:31.159 I got it, six hundred and seventy six, Kevin. 1923 01:40:31.319 --> 01:40:32.760 They took when they serviced it. 1924 01:40:33.119 --> 01:40:35.319 What the miles Doug, I get it, six hundred and 1925 01:40:35.359 --> 01:40:38.800 seventy six miles, I understand fully, Kevin. Six hundred and 1926 01:40:38.840 --> 01:40:40.319 seventy six miles later. 1927 01:40:40.520 --> 01:40:45.119 Yeah, possible, Yeah, okay, but you know it shouldn't have 1928 01:40:45.119 --> 01:40:47.159 been driven. If it was that much of a league, well, 1929 01:40:47.239 --> 01:40:47.800 that would. 1930 01:40:47.600 --> 01:40:48.319 Be my contention. 1931 01:40:48.600 --> 01:40:51.479 And Doug, well, here's the deal. Though there's no engine damage. 1932 01:40:51.840 --> 01:40:54.960 All it took was the oil filter. Doug's not asking 1933 01:40:55.399 --> 01:40:58.319 for anything. Besides, they pay the two hundred and eighty 1934 01:40:58.399 --> 01:41:00.960 five bucks, and he actually are already brought it back 1935 01:41:01.039 --> 01:41:03.199 to him. I mean, if he's telling the truth, here's 1936 01:41:03.239 --> 01:41:05.399 what I want you to think of, Kevin. He gets 1937 01:41:05.439 --> 01:41:09.159 the oil change. Six hundred miles later, it starts leaking 1938 01:41:09.279 --> 01:41:11.039 like a sieve. He brings it back to where he 1939 01:41:11.119 --> 01:41:13.840 got the oil change, Jiffy Lube. They say they put 1940 01:41:13.920 --> 01:41:16.640 six courts in it but did nothing wrong. He brings 1941 01:41:16.680 --> 01:41:21.600 it directly to another shop after leaving Jiffy Lube right away, right, Doug. 1942 01:41:24.479 --> 01:41:24.960 Coming down. 1943 01:41:26.640 --> 01:41:29.319 Yeah, yeah, I'm sorry. I keep and I apologize to 1944 01:41:29.399 --> 01:41:32.520 Jiffy Lube. I apologize, honest to God, I keep getting 1945 01:41:32.520 --> 01:41:34.800 a mixed up. I get it. So, but anyhow, you 1946 01:41:34.960 --> 01:41:38.439 drive it from grease Monkey and basically drive how far 1947 01:41:38.520 --> 01:41:43.880 to the repair shop that diagnosed it. So he drives 1948 01:41:43.920 --> 01:41:47.800 it a mile away, Kevin GE's squirting oil everywhere at 1949 01:41:47.840 --> 01:41:52.119 this point, and then they undo it, find the double gasket, 1950 01:41:52.560 --> 01:41:55.800 charge him for an oil change, in a diagnostic and 1951 01:41:56.039 --> 01:41:59.800 everything's fine. The truck's fine, it's running fine, everything else. 1952 01:42:00.119 --> 01:42:02.760 So if it wasn't a double gasket from the start, 1953 01:42:03.119 --> 01:42:05.640 and Doug's not a liar, what else would it be. 1954 01:42:08.079 --> 01:42:09.640 I mean, that's that's all it could be. If they 1955 01:42:09.680 --> 01:42:12.159 fixed it that easily, sure, that's it. It's them the 1956 01:42:12.239 --> 01:42:15.600 opportunity first, you know, he didn't go to the repair 1957 01:42:15.680 --> 01:42:19.359 shop first. He went back to them exactly the opportunity. 1958 01:42:18.840 --> 01:42:21.680 To fix it, and those morons not only not only 1959 01:42:21.800 --> 01:42:23.800 did they put six courts of oil in it and 1960 01:42:23.960 --> 01:42:27.079 say that we did nothing wrong. They let them leave 1961 01:42:27.239 --> 01:42:30.880 with oil just pouring out of that thing. Instead of 1962 01:42:31.000 --> 01:42:33.399 telling him to get a toad or anything. 1963 01:42:33.640 --> 01:42:36.880 Go with a sure thing Denver's Best roofer Excel Roofing 1964 01:42:37.000 --> 01:42:39.600 dot com. You don't pay a cent until you're content. 1965 01:42:43.000 --> 01:42:46.159 Time for an insurance check up free, no obligation. In comparison, 1966 01:42:46.319 --> 01:42:49.880 call Compass Insurance paying too much your coverage at dozens 1967 01:42:49.920 --> 01:42:52.600 of insurance companies find out now three oh three seven 1968 01:42:52.640 --> 01:42:54.960 to seven to one help. You'll think you're his only 1969 01:42:55.079 --> 01:42:57.520 customer when you choose Frank durand the real estate Man 1970 01:42:57.600 --> 01:43:01.000 dot com to list your home with Remax Alliance three 1971 01:43:01.079 --> 01:43:03.119 all three nine to zero sixteen twenty two. 1972 01:43:08.840 --> 01:43:14.119 Ripped of news, you don't have. 1973 01:43:16.399 --> 01:43:18.560 Come in just as fast as we do. 1974 01:43:18.760 --> 01:43:21.359 A shooter's gonna help. 1975 01:43:21.680 --> 01:43:30.479 Come man, This is the Troubleshooter Show Now Tom Martinez, Welcome, Welcome. 1976 01:43:30.199 --> 01:43:32.039 My friends to the only show of this guy. We're 1977 01:43:32.039 --> 01:43:35.960 here to solve problems, answer questions, uh take complaints. Our 1978 01:43:36.039 --> 01:43:39.000 goal in life, of course, is to retrieve money for you. 1979 01:43:39.800 --> 01:43:42.039 We had one from Doug and Pat last hour with 1980 01:43:42.199 --> 01:43:46.760 a grease Monkey, and I apologize again to a Jiffy Lube. 1981 01:43:46.760 --> 01:43:49.359 I've used that name too many times. One of my 1982 01:43:49.439 --> 01:43:51.399 good years had a Jiffy Loop next to it that 1983 01:43:51.520 --> 01:43:53.079 I was in a war with for a little bit, 1984 01:43:53.199 --> 01:43:56.840 so it kind of comes back. But grease Monkey didn't 1985 01:43:56.840 --> 01:44:02.039 oil change. A double gasketed the freaking oil filter six 1986 01:44:02.119 --> 01:44:05.960 hundred miles later, oils everywhere. The engines find everything's fine, 1987 01:44:06.159 --> 01:44:08.840 but this guy was charged by another shop to diagnose 1988 01:44:08.920 --> 01:44:12.000 it and do a full blown oil change rightfully. So 1989 01:44:12.199 --> 01:44:15.199 two hundred and eighty five bucks. It's my contention grease 1990 01:44:15.279 --> 01:44:18.119 Monkey should have a big smile on their face and 1991 01:44:18.319 --> 01:44:20.760 basically write them a check for two hundred and eighty 1992 01:44:20.800 --> 01:44:23.359 five bucks and be thankful they're not buying him an engine. 1993 01:44:23.560 --> 01:44:26.399 I had Kelly call up, and Kelly real quick to recap. 1994 01:44:27.399 --> 01:44:30.600 What did they say when you called up to grease 1995 01:44:30.680 --> 01:44:33.319 Monkey and listen to this. This is amazing out there. 1996 01:44:33.560 --> 01:44:36.640 When you pull into grease Monkey, remember you might be 1997 01:44:36.760 --> 01:44:38.039 pulling into this one. Go ahead. 1998 01:44:38.279 --> 01:44:38.479 Yeah. 1999 01:44:38.640 --> 01:44:43.319 So the original manager that I believe Doug and Pat 2000 01:44:43.479 --> 01:44:45.880 dealt with was fired, was fired and so they have 2001 01:44:46.039 --> 01:44:50.760 an interim manager, but they also lost a bunch of employees, 2002 01:44:50.880 --> 01:44:52.960 so he is the only person working right there. 2003 01:44:53.159 --> 01:44:56.000 So this poor sat one person show. Yeah, so this 2004 01:44:56.159 --> 01:44:59.119 poor sap is working the front, answering the phone and 2005 01:44:59.359 --> 01:45:02.079 doing oil changes in the back. I wouldn't bring my 2006 01:45:02.199 --> 01:45:04.680 car there in a million years. I simply wouldn't. Hey, 2007 01:45:04.760 --> 01:45:06.640 real quick, Doug, what location is this? 2008 01:45:08.800 --> 01:45:14.000 It's twenty three thirty four North Main Street where the 2009 01:45:14.159 --> 01:45:17.399 Long Mind or where Yeah, long Lint, Colorado. 2010 01:45:17.560 --> 01:45:20.640 So Main Street, Long Mind, Colorado, That grease monkey. I 2011 01:45:20.640 --> 01:45:23.159 would in touch with the ten football. We know there's 2012 01:45:23.199 --> 01:45:26.359 only one person working there, which is just insane to 2013 01:45:26.439 --> 01:45:26.960 think about. 2014 01:45:28.319 --> 01:45:28.960 That's not true. 2015 01:45:29.119 --> 01:45:34.199 I just went by there to take some pictures and. 2016 01:45:34.279 --> 01:45:36.079 Video of all the oil going out. 2017 01:45:36.199 --> 01:45:38.760 Yeah, but Doug, Doug, the dumbest thing they could ever 2018 01:45:38.880 --> 01:45:41.479 lie about. It doesn't even make sense to lie about that. 2019 01:45:41.880 --> 01:45:43.079 The other guy got fired. 2020 01:45:44.399 --> 01:45:47.239 I'm telling you there's two or three guys there today 2021 01:45:47.560 --> 01:45:49.960 because I was just there, not thirty minutes ago. 2022 01:45:50.279 --> 01:45:53.439 Kelly, that's insane. Hey, Kelly, I was told hold on, 2023 01:45:53.600 --> 01:45:55.640 hold on, hold on, just for the heck of it, Kelly, 2024 01:45:55.680 --> 01:45:57.760 would you do me a favor? Yeah, call back up 2025 01:45:57.800 --> 01:46:00.239 there and say, that's funny. The guy we're told talking 2026 01:46:00.279 --> 01:46:03.520 about Doug literally was just there and he saw Doug. 2027 01:46:03.600 --> 01:46:05.960 How many people did you actually see and where were they? 2028 01:46:06.680 --> 01:46:10.840 I saw at least the kid that was there yesterday. 2029 01:46:11.039 --> 01:46:14.600 I was in the back, you know, doing the paperwork 2030 01:46:14.960 --> 01:46:15.680 in another car. 2031 01:46:16.640 --> 01:46:19.119 And he and the manager was there. 2032 01:46:19.359 --> 01:46:22.520 What video the same manager that worked on your car? 2033 01:46:22.760 --> 01:46:24.920 Could he have gotten fired after you saw him? 2034 01:46:26.520 --> 01:46:28.439 No, the same guy that was there yesterday. 2035 01:46:30.479 --> 01:46:34.000 Okay, we don't know if if the manager actually did the. 2036 01:46:34.239 --> 01:46:36.159 You know what, None of this matters. I'm sorry. I'm 2037 01:46:36.239 --> 01:46:37.840 just trying to call him out in alive. But that's 2038 01:46:37.920 --> 01:46:40.039 not going to help two hundred and eighty five bucks 2039 01:46:40.159 --> 01:46:41.840 or whatever it is. You know what is going to help. 2040 01:46:42.079 --> 01:46:44.000 Deputy Bow. Deputy Bow, are you up? 2041 01:46:46.119 --> 01:46:48.520 Yes, I'm here, Mark, Hey, listen, I want you to 2042 01:46:48.720 --> 01:46:51.239 call over there, do whatever we have to do. If 2043 01:46:51.279 --> 01:46:54.560 I've got a rattle Grease Monkey's cage again tomorrow, I'm 2044 01:46:54.600 --> 01:46:58.520 happy to spend forty five minutes telling everybody this story 2045 01:46:59.199 --> 01:47:01.039 out of an hour's show. I will make it to 2046 01:47:01.119 --> 01:47:03.199 Grease Monkey show for the hell of it. I mean, 2047 01:47:03.239 --> 01:47:06.199 I'll give him great publicity. Everybody will know what's going 2048 01:47:06.279 --> 01:47:08.319 on there. But see what you can figure out. 2049 01:47:08.399 --> 01:47:08.520 Man. 2050 01:47:08.800 --> 01:47:12.600 They basically told Kelly that they can't do anything. Maybe 2051 01:47:12.760 --> 01:47:15.560 possibly next week they could talk about it. Kelly, is 2052 01:47:15.640 --> 01:47:17.760 that correct? I want to be very I want to 2053 01:47:17.800 --> 01:47:20.960 be very transparent. Yes, yes, okay, So they won't even 2054 01:47:21.039 --> 01:47:23.520 talk about it. The guy says he's the only one there. 2055 01:47:23.840 --> 01:47:26.399 He's working the front, the back. No one else is there. 2056 01:47:26.720 --> 01:47:30.000 Somebody got fired. Doug's saying there's a bunch of people there, 2057 01:47:30.039 --> 01:47:33.119 at least three people there. So they're shenanigans going on. 2058 01:47:33.279 --> 01:47:36.239 No matter what, they're shenanigans. And if we got to 2059 01:47:36.279 --> 01:47:39.000 go through small claims, that's fine and we can help 2060 01:47:39.039 --> 01:47:41.239 them with that. But bo just try to get this 2061 01:47:41.399 --> 01:47:44.199 figured out. There's got to be a general manager or 2062 01:47:44.279 --> 01:47:48.520 an owner or another manager or somebody that can write 2063 01:47:48.560 --> 01:47:50.880 this guy a check for two hundred and eighty five bucks. 2064 01:47:51.119 --> 01:47:53.159 And I truly believe they owe it to him. 2065 01:47:53.239 --> 01:47:56.640 All right, I'm gonna call him right after the show. 2066 01:47:56.880 --> 01:48:00.560 Thank you now, Jen Monier Tomorrow John was CMG Financial. 2067 01:48:00.640 --> 01:48:03.720 He's been our expert in mortgages for my god, And 2068 01:48:03.840 --> 01:48:06.439 I promise Sherry, Donna, David, I'll get you in a second. 2069 01:48:06.680 --> 01:48:09.079 But you've been our expert on the show for so long. 2070 01:48:09.159 --> 01:48:12.640 It's crazy. You guys, you do thirty year mortgages, fifteen 2071 01:48:13.000 --> 01:48:16.399 basically any term you can think about. Your interest rates 2072 01:48:16.439 --> 01:48:19.720 are as good, if not better than the competition. Do 2073 01:48:19.760 --> 01:48:22.520 you do VA loans? We do do VA loans, So 2074 01:48:22.680 --> 01:48:24.840 you do VA and those are great for people right, 2075 01:48:24.880 --> 01:48:25.880 one hundred percent. 2076 01:48:25.840 --> 01:48:28.560 They're great, one hundred percent. They're great for vas that 2077 01:48:28.720 --> 01:48:31.560 want to get rid of some debts for cash out. 2078 01:48:31.720 --> 01:48:33.600 For cash out. And what I love is you guys 2079 01:48:33.680 --> 01:48:36.399 have started doing reverse mortgages. You're experts at them. 2080 01:48:36.560 --> 01:48:36.840 We are. 2081 01:48:37.000 --> 01:48:39.279 We have, We've come really good. We do our own 2082 01:48:39.319 --> 01:48:42.359 in house reverse mortgages and yeah, it's become a great 2083 01:48:42.399 --> 01:48:43.000 product now. 2084 01:48:43.199 --> 01:48:45.520 Unlike a lot of people, and I'm being honest here, 2085 01:48:45.640 --> 01:48:50.520 so CMG Financial, unlike other people, you guys, do you 2086 01:48:50.680 --> 01:48:52.520 guys actually fund your own loans? 2087 01:48:52.800 --> 01:48:53.039 We do. 2088 01:48:53.319 --> 01:48:55.680 We We were a mortgage bank. 2089 01:48:55.920 --> 01:48:58.399 You're a mortgage bank. You're not a broker, correct, So 2090 01:48:58.600 --> 01:49:01.119 you guys, you're dealing with a person that's giving you 2091 01:49:01.199 --> 01:49:01.560 the money. 2092 01:49:01.840 --> 01:49:05.359 We are, like I have direct access to underwriters and 2093 01:49:05.680 --> 01:49:08.560 you know, if we have special situations, it's a direct call. 2094 01:49:08.680 --> 01:49:09.600 So that's kind of nice. 2095 01:49:09.840 --> 01:49:12.760 Oh to me, that's huge and beneficial. You guys did 2096 01:49:12.920 --> 01:49:17.560 Suzanna and I's loan on our current house in Franktown, 2097 01:49:18.000 --> 01:49:19.760 and I want to tell people out there how cool 2098 01:49:19.840 --> 01:49:22.199 this loan is. Now, we don't own, we don't owe 2099 01:49:22.239 --> 01:49:24.239 anything on the house, and I'm not going to get 2100 01:49:24.279 --> 01:49:27.520 into dollar figures. I'll use a round number. Let's say 2101 01:49:27.560 --> 01:49:30.960 the house is worth one hundred thousand dollars, so we 2102 01:49:31.119 --> 01:49:34.520 own nothing on it, and basically now we have a 2103 01:49:34.720 --> 01:49:37.319 eighty thousand dollars line of credit on it using the 2104 01:49:37.439 --> 01:49:39.760 numbers that we're using one hundred thousand. If it was 2105 01:49:39.800 --> 01:49:43.279 a million, it'd be eight hundred thousand. And you guys 2106 01:49:43.439 --> 01:49:48.159 gave us a thirty year first mortgage with the line 2107 01:49:48.199 --> 01:49:52.520 of credit. Twenty percent is what we had to basically 2108 01:49:52.640 --> 01:49:54.960 put down on the loan, which we paid off shortly 2109 01:49:55.079 --> 01:49:57.359 after correct And a lot of people. 2110 01:49:57.199 --> 01:49:59.520 Have that as equity if they do it as a refinance. 2111 01:49:59.840 --> 01:50:02.159 The do it as a refinance, they have that inequity 2112 01:50:02.279 --> 01:50:04.720 they refi into the all in one loan we'll call it. 2113 01:50:05.039 --> 01:50:07.279 And here's the coolest part about it. Now we don't 2114 01:50:07.279 --> 01:50:10.079 know anything on it, but if we did any money 2115 01:50:10.159 --> 01:50:14.119 you have in the checking account offsets the principle. So 2116 01:50:14.279 --> 01:50:17.319 let's take that one hundred thousand dollars again, and let's 2117 01:50:17.359 --> 01:50:20.600 say you did use that line of credit and I 2118 01:50:20.760 --> 01:50:23.520 owe one hundred thousand dollars. First of all, I pay 2119 01:50:23.600 --> 01:50:27.079 simple interest. Only it's not that front loaded interest. With 2120 01:50:27.239 --> 01:50:27.760 every other. 2121 01:50:27.760 --> 01:50:30.079 Mortgage advertise interest it's terrible. 2122 01:50:30.239 --> 01:50:33.000 It's terrible. You pay all the interest upfront, and most 2123 01:50:33.039 --> 01:50:35.680 people don't keep their house thirty years, but they'll pay 2124 01:50:35.760 --> 01:50:37.119 thirty years worth of interest. 2125 01:50:37.279 --> 01:50:37.479 Yep. 2126 01:50:37.960 --> 01:50:42.199 So it's simple interest. It's calculated simply by whatever it is. 2127 01:50:42.319 --> 01:50:45.520 It's not front loaded. Then, any money you would have 2128 01:50:45.640 --> 01:50:47.840 in the checking account, and let's say you used your 2129 01:50:47.880 --> 01:50:50.640 business or anything for the checking account, and you just 2130 01:50:50.720 --> 01:50:53.640 put all your cash here, some people might sweep. If 2131 01:50:53.680 --> 01:50:57.720 you're a contractor, you could tell your contractor checking account 2132 01:50:57.840 --> 01:51:01.279 to sweep that money into this bank account every night 2133 01:51:01.399 --> 01:51:04.680 or once a week. Whatever's in there off sets it. 2134 01:51:05.000 --> 01:51:06.920 So if I had one hundred thousand dollars in the 2135 01:51:07.000 --> 01:51:09.760 checking account and I owed you one hundred thousand dollars, 2136 01:51:10.039 --> 01:51:12.680 I would owe zero interest for that month because I 2137 01:51:12.760 --> 01:51:13.960 owe nothing. It off sets. 2138 01:51:14.279 --> 01:51:18.000 Yes, it pays principle First, unlike amortized, what you're paying 2139 01:51:18.039 --> 01:51:21.039 all interests, you know, So it goes directly towards principal, 2140 01:51:21.079 --> 01:51:24.720 and then you pay whatever your interested interest on the 2141 01:51:24.760 --> 01:51:27.199 principal bounce. So it's a zero bounce as a zero 2142 01:51:27.319 --> 01:51:27.800 interest called. 2143 01:51:27.880 --> 01:51:31.319 So it's a full line of credit for thirty years. 2144 01:51:31.439 --> 01:51:34.720 It's not a helock. He locks generally are ten years. 2145 01:51:35.000 --> 01:51:36.960 Let me correct you. So it is a he lock, 2146 01:51:37.039 --> 01:51:40.359 but it's the only thirty year, thirty year he lock. 2147 01:51:40.640 --> 01:51:43.960 And it's the checking account tied to it that also 2148 01:51:44.079 --> 01:51:44.920 makes it special. 2149 01:51:45.239 --> 01:51:48.279 Yeah, so what is the average person that has this? Uh, 2150 01:51:48.399 --> 01:51:51.039 this is funny. So right now, what's a thirty year 2151 01:51:51.119 --> 01:51:55.640 fixed seven percent? That's pretty much cross the board now 2152 01:51:56.000 --> 01:52:00.479 with this product. When you take into consideration the simple interest, 2153 01:52:01.119 --> 01:52:04.439 and you take into consideration the offset of a checking 2154 01:52:04.800 --> 01:52:08.119 what is your average customer in this loan paying interest wise? 2155 01:52:08.840 --> 01:52:11.640 Average you know, effective interest rate is usually less than 2156 01:52:11.680 --> 01:52:12.880 three percent three percent. 2157 01:52:12.720 --> 01:52:15.000 Or less on that three percent or less because of 2158 01:52:15.079 --> 01:52:16.119 those two different things. 2159 01:52:16.439 --> 01:52:19.119 And we have a terrific simulator if anybody wants to 2160 01:52:19.199 --> 01:52:21.239 call me that we can go through your numbers directly. 2161 01:52:21.319 --> 01:52:24.520 And yes, it's because of those things. Because of principle 2162 01:52:24.600 --> 01:52:25.600 first and the suite. 2163 01:52:25.479 --> 01:52:28.000 When we first started talking. That's exactly what happened. He 2164 01:52:28.119 --> 01:52:30.479 sent me over because I'm going, wow, that's a little confusing. 2165 01:52:30.840 --> 01:52:33.119 So you sent me over a link to the simulator. 2166 01:52:33.399 --> 01:52:36.159 You put in your current mortgage exactly what it is, 2167 01:52:36.239 --> 01:52:39.119 what interest rate, and I don't care if it's three percent, 2168 01:52:39.239 --> 01:52:41.800 whatever it is. You put in real numbers. Here's how 2169 01:52:41.880 --> 01:52:44.199 much I owe, here's what my house is worth. Blah 2170 01:52:44.199 --> 01:52:46.359 blah blah, and it'll come down and tell you the 2171 01:52:46.479 --> 01:52:47.319 exact math on it. 2172 01:52:47.760 --> 01:52:50.039 It will tell you exact math because like I said, math, 2173 01:52:50.199 --> 01:52:51.880 it's math. Math doesn't lie. 2174 01:52:52.039 --> 01:52:54.119 I will say this real quick. It's a little harder 2175 01:52:54.199 --> 01:52:57.279 to qualify. I mean, let's be honest about that. Now. 2176 01:52:57.319 --> 01:52:59.640 I don't want to scare people away from asking about that, 2177 01:52:59.720 --> 01:53:02.760 because once again, if they don't qualify for that, you 2178 01:53:02.880 --> 01:53:05.199 can refire or put him in a fifteen or thirty 2179 01:53:05.439 --> 01:53:07.600 or a reverse, you can do at all. But if 2180 01:53:07.640 --> 01:53:10.319 they want to check into this product, what I mean 2181 01:53:10.439 --> 01:53:12.960 generally it's somewhat asset based. 2182 01:53:13.000 --> 01:53:15.840 You got to have equity, yeah, I mean everybody should 2183 01:53:15.880 --> 01:53:18.199 look into it. Really, what is based on if you 2184 01:53:18.279 --> 01:53:21.479 don't spend every time you make on a monthly, it's perfect. 2185 01:53:21.800 --> 01:53:22.760 It works wonderful. 2186 01:53:22.960 --> 01:53:25.239 So if you if you're banking one thousand to five 2187 01:53:25.359 --> 01:53:27.800 thousand a month, it's the cherry on top. 2188 01:53:27.960 --> 01:53:30.960 Oh, it really works. And if you have your debts 2189 01:53:31.039 --> 01:53:32.960 under control, it's the perfect loan for you. 2190 01:53:33.319 --> 01:53:35.880 So three to oh three, I'm gonna give everybody John's number. 2191 01:53:36.880 --> 01:53:40.319 I'm working on a website for you because I don't 2192 01:53:40.439 --> 01:53:43.279 like your website. It's too long. Okay, we're gonna get 2193 01:53:43.319 --> 01:53:45.159 there real quick. But for right now, you can call 2194 01:53:45.239 --> 01:53:49.039 him at three oh three five seven seven seven two 2195 01:53:49.199 --> 01:53:52.119 zero six. Any questions you have. We've times known this 2196 01:53:52.239 --> 01:53:55.239 guy thirty years. I've known John got at least fifteen 2197 01:53:55.520 --> 01:53:57.840 and like I said, literally the mortgage we have right now, 2198 01:53:57.920 --> 01:54:01.520 he did that line of credit three five seven seven 2199 01:54:01.680 --> 01:54:05.359 seven two six. Any questions you have. And really, I 2200 01:54:05.520 --> 01:54:09.039 have had so many people call other companies about reverse 2201 01:54:09.119 --> 01:54:12.119 mortgages and they go, man, I don't even know what 2202 01:54:12.159 --> 01:54:14.199 I'm talking about. I don't know if they're in state, 2203 01:54:14.520 --> 01:54:16.680 I don't know who they are. I get a different person. 2204 01:54:17.159 --> 01:54:20.119 You're they're going to deal directly with you on reverss. 2205 01:54:19.720 --> 01:54:22.680 Correctly with me, And I'm very well versed with on reversal. 2206 01:54:22.800 --> 01:54:25.399 And when we talk about there's a direct lender, you're 2207 01:54:25.479 --> 01:54:28.359 talking the direct bank. This guy is the guy lending 2208 01:54:28.399 --> 01:54:31.399 you the money. The company he works for CMG. That's 2209 01:54:31.479 --> 01:54:35.079 what's crazy. If there's an issue with underwriting. These people 2210 01:54:35.159 --> 01:54:37.920 are in the same office, they work for the same company. 2211 01:54:38.359 --> 01:54:40.119 In other words, they get along. I got to take 2212 01:54:40.159 --> 01:54:43.159 this break, Donna, Sherry David, you're up next. 2213 01:54:43.199 --> 01:54:49.520 I promise, go with a sure thing Denver's Best roofer 2214 01:54:49.680 --> 01:54:52.560 Excel Roofing dot com. You don't pay a cent until 2215 01:54:52.600 --> 01:54:59.039 you're content. Time for an insurance check up free, no obligation. 2216 01:54:59.119 --> 01:55:02.920 In comparison all Compass insurance paying too much your coverage 2217 01:55:02.960 --> 01:55:05.600 at dozens of insurance companies find out now three all 2218 01:55:05.680 --> 01:55:08.119 three seven seven to one help. You'll think you're his 2219 01:55:08.279 --> 01:55:10.880 only customer when you choose Frank durand the real estate 2220 01:55:10.960 --> 01:55:14.199 Man dot com to list your home with Remax Alliance 2221 01:55:14.439 --> 01:55:16.720 three all three nine two zero sixteen twenty two. 2222 01:55:21.680 --> 01:55:24.039 All right, three oh three seven one three eight two 2223 01:55:24.199 --> 01:55:26.760 five five. Let me see who's been waiting the longest. 2224 01:55:27.439 --> 01:55:29.800 My goodness, it's going to be Donna. Donna, First of all, 2225 01:55:29.800 --> 01:55:32.680 I apologize for making you wait so long? What is 2226 01:55:32.760 --> 01:55:34.000 going on? How can we help? 2227 01:55:35.199 --> 01:55:35.319 Hi? 2228 01:55:35.479 --> 01:55:41.359 Tom, thanks for help hopefully helping me. I work for 2229 01:55:41.960 --> 01:55:44.319 I work for a lumber company up in Woodlam Park 2230 01:55:46.880 --> 01:55:51.159 almost five years. I went to work on January twenty fourth, Friday, 2231 01:55:52.000 --> 01:55:54.760 got thirty eight, nine o'clock. I was called into the 2232 01:55:54.800 --> 01:55:57.760 manager's office and was told that my job was being eliminated. 2233 01:55:59.119 --> 01:56:01.000 He gave me paper work and wanted me to sign 2234 01:56:01.039 --> 01:56:05.640 it there, which I refused. Got all my belongings. I 2235 01:56:05.840 --> 01:56:08.760 was walked out of the buildings, very humiliating. 2236 01:56:09.000 --> 01:56:11.399 Hey, Donald, let me ask you a question. When he 2237 01:56:11.520 --> 01:56:14.279 said the job was being eliminated? What was your function? 2238 01:56:16.880 --> 01:56:17.800 Originally the. 2239 01:56:19.399 --> 01:56:23.159 Company that I worked for was bought out, and so 2240 01:56:24.079 --> 01:56:28.800 that company my my job title is bookkeeper. Okay, so 2241 01:56:28.960 --> 01:56:32.319 you were We managed the office and did all accounts, 2242 01:56:32.399 --> 01:56:38.039 receivablele new accounts, just a lot of other stuff that was. 2243 01:56:38.520 --> 01:56:39.159 Being a bookkeeper. 2244 01:56:39.359 --> 01:56:41.159 So when they when they bought you out, was it 2245 01:56:41.239 --> 01:56:43.600 a bigger company that bought out, Not that it matters, 2246 01:56:44.199 --> 01:56:46.520 So they probably did a lot of that stuff in house. 2247 01:56:47.600 --> 01:56:52.119 It's a big holdings corporation that bought them out. My 2248 01:56:52.840 --> 01:56:55.399 job title was then changed to accounting. 2249 01:56:55.000 --> 01:57:00.439 Clerk, okay, and then they said they were eliminating that. Yeah, 2250 01:57:01.279 --> 01:57:01.920 so so far. 2251 01:57:02.039 --> 01:57:04.640 Another lady in the office with me that was also 2252 01:57:04.720 --> 01:57:07.840 accounting clerk, but she did accounts payable okay, and from 2253 01:57:07.920 --> 01:57:10.079 my understanding, she is now doing my job. 2254 01:57:10.600 --> 01:57:10.800 Yeah. 2255 01:57:10.960 --> 01:57:14.720 So, either if they combined them or got rid of 2256 01:57:14.840 --> 01:57:17.199 both of the functions, it really wouldn't matter when the 2257 01:57:17.239 --> 01:57:20.119 new company bought it or even the older company. If 2258 01:57:20.159 --> 01:57:23.000 they want to eliminate that job function, they can do it. 2259 01:57:23.359 --> 01:57:26.239 But on top of that, even if they just wanted 2260 01:57:26.279 --> 01:57:29.520 to fire you because they didn't want you there anymore, 2261 01:57:30.239 --> 01:57:33.000 under most circumstances, they can do that as well. I 2262 01:57:33.119 --> 01:57:36.319 know it doesn't seem fair, but that is just how 2263 01:57:36.399 --> 01:57:39.000 it works in the state of Colorado. In most states, 2264 01:57:39.199 --> 01:57:40.439 it's an at will state. 2265 01:57:41.600 --> 01:57:41.800 Yeah. 2266 01:57:42.399 --> 01:57:45.800 Now, well you can go get there's no reason why 2267 01:57:45.880 --> 01:57:47.359 you couldn't go get unemployment. 2268 01:57:48.720 --> 01:57:50.279 I have applied for unemployment. 2269 01:57:50.399 --> 01:57:51.000 Yeah, you'll get it. 2270 01:57:51.279 --> 01:57:55.520 Concern My concern is with the separation agreement. If I 2271 01:57:55.720 --> 01:57:58.560 sign it, I'm not going to get the unemployment. 2272 01:57:58.840 --> 01:57:59.760 Well, what do they offer you? 2273 01:58:00.039 --> 01:58:03.079 And they're gonna They offered me. 2274 01:58:05.079 --> 01:58:09.279 My five weeks of my current based salary that totals 2275 01:58:09.920 --> 01:58:14.319 four eight and eighty less applical taxes, which basically my 2276 01:58:14.439 --> 01:58:20.000 figure showed three thousand, eight and eighty. So if I 2277 01:58:20.079 --> 01:58:23.319 don't find this, then it says I quit, which is 2278 01:58:23.359 --> 01:58:26.039 a gonna it would affect my unemployment. 2279 01:58:26.159 --> 01:58:28.159 Yeah, so so hold on, this is such just a 2280 01:58:28.279 --> 01:58:31.000 math question. I mean, it really is. You can get 2281 01:58:31.119 --> 01:58:34.840 unemployment to someone. Someone helped me, Kelly. Do you know 2282 01:58:35.000 --> 01:58:38.920 how long can you get on unemployment? Anybody? Twenty nine 2283 01:58:39.000 --> 01:58:42.600 days or twenty nine weeks? Twenty nine weeks? So how much? 2284 01:58:42.920 --> 01:58:42.960 What? 2285 01:58:43.199 --> 01:58:47.439 What's like seventy five percent of what you make per week? 2286 01:58:47.840 --> 01:58:49.399 Is it roughly seventy five percent? 2287 01:58:49.560 --> 01:58:49.800 Kelly? 2288 01:58:49.920 --> 01:58:50.680 Sixty percent? 2289 01:58:50.800 --> 01:58:51.119 Do you know? 2290 01:58:51.520 --> 01:58:54.239 I just know you talked directly with our expert over there. 2291 01:58:54.359 --> 01:58:54.840 Yeah, we did. 2292 01:58:55.800 --> 01:59:01.119 So we actually ended up having to render because we 2293 01:59:01.399 --> 01:59:03.760 had already gotten it for twenty nine weeks and. 2294 01:59:05.239 --> 01:59:08.399 We had to do Yeah, but for the twenty nine weeks, 2295 01:59:08.520 --> 01:59:11.960 what kind of percentage compared to salary would it be 2296 01:59:12.600 --> 01:59:12.920 or hour? 2297 01:59:13.119 --> 01:59:14.520 I thought it was eighty percent. 2298 01:59:15.000 --> 01:59:18.520 I believe it was eighty percent, But that doesn't include 2299 01:59:18.920 --> 01:59:20.239 the taxes they take out. 2300 01:59:20.399 --> 01:59:22.119 Yeah, okay, but it's still eighty percent. 2301 01:59:22.439 --> 01:59:25.520 Kirk, Why couldn't she take the separation agreement and when 2302 01:59:25.640 --> 01:59:28.560 those funds, when that five weeks runs out, she could 2303 01:59:28.640 --> 01:59:30.359 still collect unemployments. 2304 01:59:30.600 --> 01:59:34.119 Separation agreement is spelling out that she quit and didn't 2305 01:59:34.119 --> 01:59:36.560 get terminated. Oh I thought they said if she didn't 2306 01:59:36.720 --> 01:59:40.399 sign it, it spelled out she quit. No, the determination 2307 01:59:40.560 --> 01:59:44.680 agreement is literally acknowledging I quit. I don't I'm not 2308 01:59:44.760 --> 01:59:48.479 getting terminated. So I mean, it's simply math. Donna, I 2309 01:59:48.560 --> 01:59:51.199 would go with the twenty nine weeks at eighty percent 2310 01:59:51.760 --> 01:59:54.479 compared to the five weeks at one hundred percent. Why 2311 01:59:54.520 --> 01:59:54.960 wouldn't you? 2312 02:00:00.079 --> 02:00:00.479 I don't know. 2313 02:00:00.680 --> 02:00:03.039 I'm just I'm just you know, there's so much legal 2314 02:00:03.159 --> 02:00:05.279 stuff in this paperwork. I'm afraid to sign it. 2315 02:00:05.720 --> 02:00:09.159 Donna. Listen, listen. I feel so bad for you. I 2316 02:00:09.239 --> 02:00:12.039 wouldn't do anything right now when it comes to that company, 2317 02:00:12.079 --> 02:00:15.359 I wouldn't sign anything. You could get twenty nine weeks 2318 02:00:15.399 --> 02:00:18.319 of unemployment and listen. People out there that have any 2319 02:00:18.399 --> 02:00:20.920 problem with it, you know, Pound saying, here's the deal, 2320 02:00:21.359 --> 02:00:25.520 we all pay into unemployment forever when something like this happens. 2321 02:00:25.600 --> 02:00:28.479 She got bought out by another company and they got 2322 02:00:28.600 --> 02:00:30.640 rid of her. There is no reason in the world 2323 02:00:30.680 --> 02:00:33.800 why she shouldn't go on unemployment. She's going to have 2324 02:00:34.039 --> 02:00:36.640 ample time to go out and find another job and 2325 02:00:36.760 --> 02:00:39.520 get her life back together. This isn't her fault. This 2326 02:00:39.720 --> 02:00:42.159 isn't like she stole from the company. And the only 2327 02:00:42.239 --> 02:00:44.279 reason I'm bringing that up, donn, is I'll get hate 2328 02:00:44.319 --> 02:00:46.520 mail going on. People shouldn't do it. We all pay 2329 02:00:46.600 --> 02:00:50.199 into it. That's exactly what unemployment is made for, is 2330 02:00:50.319 --> 02:00:53.520 what this poor woman is going through. Donna, honest to God, 2331 02:00:53.640 --> 02:00:55.920 don't sign a damn thing. Don't let them pressure it 2332 02:00:56.000 --> 02:00:59.720 into you. And just you already did it. You filled 2333 02:00:59.760 --> 02:01:02.279 out for unemployment and you're gonna be on it. You 2334 02:01:02.399 --> 02:01:04.920 can get twenty nine weeks on it, and you can 2335 02:01:05.000 --> 02:01:07.600 go out and find another job. You're gonna find a job. 2336 02:01:09.399 --> 02:01:12.159 So if I don't sign this and it and it 2337 02:01:12.560 --> 02:01:15.279 says I quit, is the company then gonna fight me. 2338 02:01:16.119 --> 02:01:16.640 I don't care. 2339 02:01:16.880 --> 02:01:20.279 Listen, listen, Donnie. Here's here's what I call reality. The 2340 02:01:20.439 --> 02:01:25.000 reality is this company fired you. Is that not the reality? 2341 02:01:26.159 --> 02:01:26.399 Yeah? 2342 02:01:26.640 --> 02:01:31.319 I wouldn't sign a damn thing unless if they lie, 2343 02:01:31.640 --> 02:01:34.880 and I can't believe a big conglomeration is gonna lie, 2344 02:01:35.439 --> 02:01:38.640 I wouldn't do a damn thing. I'd call up unemployment 2345 02:01:38.920 --> 02:01:41.279 and go. They called me into the office on one 2346 02:01:41.439 --> 02:01:45.199 twenty four and told me my job was eliminated. That's 2347 02:01:45.239 --> 02:01:48.600 what I'd say. They fired me, and then they escorted 2348 02:01:48.720 --> 02:01:51.640 me out the building. That if that's not the definition 2349 02:01:51.800 --> 02:01:55.720 of getting canned, I don't know what is right, right, 2350 02:01:56.199 --> 02:01:59.239 So really don't don't. Don't let them intimidate you. I 2351 02:01:59.279 --> 02:02:01.840 wouldn't even talk to him at this point. I wouldn't 2352 02:02:01.880 --> 02:02:05.439 do anything but deal with unemployment. That's all I would do. 2353 02:02:05.640 --> 02:02:10.039 I promise you you're going to get your unemployment. Yeah, 2354 02:02:11.359 --> 02:02:14.439 and you got to forget about that paperwork. Yeah, forget 2355 02:02:14.479 --> 02:02:16.800 about the paperwork. Don't let this stress you out. Look 2356 02:02:16.840 --> 02:02:18.479 the fact that you've got to go find a job 2357 02:02:18.560 --> 02:02:21.399 and stuff. That's fine, but that's why you're gonna have unemployment. 2358 02:02:21.439 --> 02:02:23.960 You're gonna have twenty nine weeks to go figure something 2359 02:02:24.000 --> 02:02:26.119 out for a gig. But don't let this company beat 2360 02:02:26.159 --> 02:02:28.880 you up. This happens all the time. I mean literally, 2361 02:02:28.960 --> 02:02:35.279 it happens all the time. I mean, we're listen, listen, 2362 02:02:35.439 --> 02:02:37.600 think of what you want with Eline right now. But 2363 02:02:37.720 --> 02:02:41.640 he's he's gutting, he's gutting every part of government. I 2364 02:02:41.800 --> 02:02:43.680 happen to agree with it, but there's a lot of 2365 02:02:43.720 --> 02:02:46.560 people out there right now that have to make a decision. 2366 02:02:46.880 --> 02:02:49.720 Am I gonna go on to unemployment? Am I going 2367 02:02:49.800 --> 02:02:52.399 to take this? It's a pretty good buyout, an eight 2368 02:02:52.520 --> 02:02:55.680 month buyout or brisk getting fired and have to go 2369 02:02:55.760 --> 02:02:58.359 on in unemployment. Whatever that looks like for the FEDS, 2370 02:02:58.399 --> 02:03:00.720 I don't know, but people have. My only point of 2371 02:03:00.800 --> 02:03:05.359 bringing that up wasn't political, It was everybody makes these 2372 02:03:05.479 --> 02:03:08.479 decisions all the time. So really, you've got to put this. 2373 02:03:08.640 --> 02:03:11.640 If this one conversation does anything, I hope you just 2374 02:03:11.800 --> 02:03:15.119 quit focusing on these people and focusing on, you know, 2375 02:03:15.399 --> 02:03:18.479 finding another job. Don't worry about the money for a while, 2376 02:03:18.560 --> 02:03:21.279 because you've got the unemployment that you've probably been paying 2377 02:03:21.359 --> 02:03:24.319 into forever. Have you ever taken unemployment before? 2378 02:03:25.840 --> 02:03:25.880 No? 2379 02:03:26.199 --> 02:03:28.800 I applied when I when I got laid off at 2380 02:03:28.800 --> 02:03:30.840 a school district, but I found a job right away, 2381 02:03:30.960 --> 02:03:32.159 so I never actually. 2382 02:03:31.880 --> 02:03:34.560 Got in How many how many years have you paid 2383 02:03:34.600 --> 02:03:35.479 into unemployment? 2384 02:03:36.560 --> 02:03:37.359 A long time? 2385 02:03:37.640 --> 02:03:40.359 Thank you and Donna, Just so you know, if you 2386 02:03:40.520 --> 02:03:44.399 collect unemployment, it does reflect on their end. Their unemployment 2387 02:03:44.520 --> 02:03:46.640 rates go up as well. That's why they're trying to 2388 02:03:46.720 --> 02:03:47.760 pressure you into this. 2389 02:03:48.319 --> 02:03:50.520 Yeah, I mean, no, doubt because they all have to 2390 02:03:50.560 --> 02:03:53.359 pay for it, and the deal they're offering you sucks. 2391 02:03:53.399 --> 02:03:56.920 You said five weeks, right, five weeks? Yeah, I would. 2392 02:03:57.000 --> 02:04:00.479 I wouldn't even negotiate with them, forget about it. In fact, 2393 02:04:00.520 --> 02:04:02.840 the way they treated you, the way they canned. 2394 02:04:02.880 --> 02:04:03.520 Do you know. 2395 02:04:03.640 --> 02:04:05.439 I'm not going to say it's horrible. You gotta do 2396 02:04:05.520 --> 02:04:07.239 it one way. It's never going to feel good. But 2397 02:04:07.359 --> 02:04:09.960 I don't like how it went down. So get If 2398 02:04:10.000 --> 02:04:13.319 she's got any more questions, Kelly, give her, give her 2399 02:04:13.399 --> 02:04:17.159 my email. I don't mind helping her. And then DONNAE, 2400 02:04:17.199 --> 02:04:20.159 you do have a problem with unemployment ladies, who is 2401 02:04:20.239 --> 02:04:21.880 our guy over there? We know the main game. 2402 02:04:22.079 --> 02:04:24.520 She can contact us or go through you and we'll 2403 02:04:24.560 --> 02:04:27.159 help her out if something happens with her unemployment or 2404 02:04:27.279 --> 02:04:28.279 she's not here back. 2405 02:04:28.399 --> 02:04:31.720 Yeah, okay, perfect. We've got connections over there. If they 2406 02:04:31.800 --> 02:04:34.199 do try to fight it or try to pull any games, 2407 02:04:34.239 --> 02:04:36.279 we know people there. We know the top dog. 2408 02:04:36.399 --> 02:04:44.199 Hold on, go with a sure thing Denver's Best roofer 2409 02:04:44.359 --> 02:04:45.680 Excel roofing dot com. 2410 02:04:45.880 --> 02:04:47.880 You don't pay a cent until you're content. 2411 02:04:51.279 --> 02:04:53.840 Time for an insurance check up free, no obligation in 2412 02:04:53.880 --> 02:04:57.760 comparison call Compass Insurance, pay too much your coverage at 2413 02:04:57.800 --> 02:05:00.520 dozens of insurance companies find out now three oh three 2414 02:05:00.680 --> 02:05:03.239 seven seven to one help. You'll think you're his only 2415 02:05:03.359 --> 02:05:05.800 customer when you choose Frank durand the real estate man 2416 02:05:05.880 --> 02:05:09.279 dot com to list your home with Remax Alliance three 2417 02:05:09.359 --> 02:05:11.399 oh three nine two zero sixteen twenty two. 2418 02:05:13.760 --> 02:05:16.399 All right, if you only listened on YouTube, you would 2419 02:05:16.399 --> 02:05:20.119 hear my singing ability as well. Suzanne loves it when 2420 02:05:20.119 --> 02:05:21.119 I sing in the shower. 2421 02:05:21.600 --> 02:05:24.000 Oh yes, I sure do so. 2422 02:05:24.439 --> 02:05:25.960 Uh you name it, I can sing it. 2423 02:05:26.199 --> 02:05:28.880 Culture Club Karma Chameleon was his latest. 2424 02:05:29.039 --> 02:05:31.359 That was great. You're on YouTube, yep. And then of 2425 02:05:31.439 --> 02:05:35.760 course Metallica to George Strait, it doesn't matter. I've got 2426 02:05:35.840 --> 02:05:38.039 it down. Three oh three seven one three eight two 2427 02:05:38.159 --> 02:05:41.199 five five. Who's been waiting the longest? Here? 2428 02:05:41.760 --> 02:05:43.039 Sherry? Sherry? 2429 02:05:43.119 --> 02:05:45.760 What's going on YouTube? Sherry? What's happening? 2430 02:05:46.640 --> 02:05:48.119 Is Susan Sweaty Club? 2431 02:05:49.000 --> 02:05:53.079 Oh God? Is this Sherry from YouTube? Who we met? 2432 02:05:53.319 --> 02:05:54.279 Yea in Spokane? 2433 02:05:55.319 --> 02:05:57.960 In Spokane, sweetheart, Hey, that is some neck of the 2434 02:05:58.000 --> 02:06:00.560 woods you live in. I have never seen so much 2435 02:06:00.640 --> 02:06:06.000 graffiti and homelessness in one block. Literally, it made Denver. 2436 02:06:06.439 --> 02:06:08.439 It made Denver look like Montana. 2437 02:06:10.560 --> 02:06:12.079 Don't you feel sorry for me? 2438 02:06:12.560 --> 02:06:14.239 Are they doing raids out there yet? 2439 02:06:15.680 --> 02:06:16.560 Not that I know of. 2440 02:06:16.880 --> 02:06:19.439 No, My goodness. What's going on with your shifter? 2441 02:06:19.600 --> 02:06:20.279 What is that like? 2442 02:06:20.359 --> 02:06:21.159 Your gear shifter? 2443 02:06:21.359 --> 02:06:21.560 Yeah? 2444 02:06:22.239 --> 02:06:25.159 So my two thousand and nine Mini Cooper. It's a 2445 02:06:25.279 --> 02:06:30.000 five speed manual and if it's about twenty five degrees 2446 02:06:30.279 --> 02:06:32.960 or colder, it will not move. 2447 02:06:33.319 --> 02:06:35.840 Let's do this. Let's get it will not move. Kelly, 2448 02:06:35.920 --> 02:06:38.079 Get Jeff Thick real quick. Hold on, Cherry. I bet 2449 02:06:38.159 --> 02:06:40.119 we have an answer to that in a minute. And 2450 02:06:40.159 --> 02:06:42.520 the only reason I'm speeding up to conversation is I 2451 02:06:42.680 --> 02:06:44.479 just looked at the clock. As soon as I have 2452 02:06:44.600 --> 02:06:47.279 Jeff on, we'll figure out how to fix that. Karen, 2453 02:06:47.359 --> 02:06:57.439 what's going on with you? Karen? Hello, Hey, Karen, what's happening? 2454 02:06:59.159 --> 02:06:59.359 Hey? 2455 02:07:00.079 --> 02:07:00.239 Uh? 2456 02:07:00.479 --> 02:07:00.680 You know. 2457 02:07:03.640 --> 02:07:07.439 I have a small business here in Denver, Okay. I 2458 02:07:07.600 --> 02:07:11.880 have been in this building, in this space for over 2459 02:07:12.000 --> 02:07:17.760 thirty five years. My lease expired on December thirty first, 2460 02:07:17.960 --> 02:07:21.920 twenty twenty four, okay, and my landlord, I had a 2461 02:07:22.039 --> 02:07:24.760 new owner took over at the end of October twenty 2462 02:07:24.880 --> 02:07:29.000 twenty four. The new owner agreed to a month to 2463 02:07:29.119 --> 02:07:34.439 month lead you know, term tendancy, and he said we 2464 02:07:34.520 --> 02:07:38.520 were going to talk about my options. Well, just recently 2465 02:07:38.640 --> 02:07:42.680 I received the is it notice to quit. 2466 02:07:42.840 --> 02:07:45.239 Or determinating the lease? 2467 02:07:46.960 --> 02:07:47.159 Yeah? 2468 02:07:47.359 --> 02:07:50.119 Yeah, so a notice to vacate. So they're going to 2469 02:07:50.159 --> 02:07:52.359 either sell it or they're going to do something else 2470 02:07:52.439 --> 02:07:56.079 with it. I mean really, unless if I'm missing something, 2471 02:07:56.159 --> 02:07:58.479 I'm not sure. I'm not sure you have a leg 2472 02:07:58.560 --> 02:07:59.960 to stand on to stop. 2473 02:07:59.720 --> 02:08:05.600 It, and that's not my you know, intent. Okay, I'm 2474 02:08:05.720 --> 02:08:08.880 fine leaving, Okay, because they're going to raise their they 2475 02:08:09.199 --> 02:08:11.920 raise the rent from nine dollars recents of square foot 2476 02:08:11.960 --> 02:08:15.439 to fourteen, got it? So I'm not sure that's legal. 2477 02:08:15.520 --> 02:08:16.319 But I guess. 2478 02:08:18.159 --> 02:08:21.640 My question is am I obligated to any of the 2479 02:08:21.920 --> 02:08:24.199 terms of the lease at this point? 2480 02:08:24.560 --> 02:08:27.800 I don't understand your question. Like you long as you're 2481 02:08:27.840 --> 02:08:30.039 still under it, you're obligated to all of them. I 2482 02:08:30.079 --> 02:08:30.920 don't know what you mean. 2483 02:08:32.920 --> 02:08:35.880 Well, if the lease has expired, yeah, but no, you. 2484 02:08:36.199 --> 02:08:39.000 Said the original lease expired. Now you've been on month 2485 02:08:39.079 --> 02:08:41.600 to month. That month to month is actually your lease. 2486 02:08:41.720 --> 02:08:43.520 Now that's currently your. 2487 02:08:43.479 --> 02:08:48.760 Lease, But what what are the terms of that month 2488 02:08:48.840 --> 02:08:49.119 to month? 2489 02:08:49.239 --> 02:08:50.920 It would be the same as the terms of the 2490 02:08:51.000 --> 02:08:53.640 other one except for the length of the term. It's 2491 02:08:53.800 --> 02:08:56.560 just thirty days, meaning either of you could give notice 2492 02:08:56.880 --> 02:08:59.439 in that period of time, but everything else. So I 2493 02:08:59.680 --> 02:09:05.800 guess what would be a specific question you're asking, Well. 2494 02:09:05.720 --> 02:09:08.359 I asked him, so I have a business with a 2495 02:09:08.439 --> 02:09:13.439 lot of big equipment, you know, big heavy equipment, okay, 2496 02:09:13.840 --> 02:09:18.760 And I asked him for another thirty days okay, you know, 2497 02:09:18.920 --> 02:09:22.600 to get moved and to operate the business. 2498 02:09:22.359 --> 02:09:23.239 At the same time. 2499 02:09:23.359 --> 02:09:24.640 And does he have a problem with that? 2500 02:09:26.680 --> 02:09:29.800 He he didn't. He hasn't even talked to me. He's 2501 02:09:29.880 --> 02:09:32.600 going through his management company, and she told me that 2502 02:09:32.800 --> 02:09:36.119 he is not going to agree to another thirty days. 2503 02:09:36.159 --> 02:09:38.720 You know what, I think he's crazy not to do that. 2504 02:09:38.880 --> 02:09:41.720 Let's let's let's actually go down that. Let's go down 2505 02:09:41.760 --> 02:09:44.600 that rabbit hole this jerk wants to do. Kelly, get on, 2506 02:09:44.680 --> 02:09:47.760 Brad O'Brien. I would say, he can't kick you out 2507 02:09:47.800 --> 02:09:50.720 and within a thirty day period. In other words, if 2508 02:09:50.760 --> 02:09:52.720 he wants to be a total jerk, I think you 2509 02:09:52.800 --> 02:09:55.319 could stay there longer. But let's see what our attorney 2510 02:09:55.399 --> 02:09:57.399 has to say about it. And I would hate to 2511 02:09:57.479 --> 02:09:59.880 have to go down a road so stupid. All she 2512 02:10:00.000 --> 02:10:03.079 he's asking for us for thirty days. I'm picturing she's 2513 02:10:03.119 --> 02:10:06.600 got like forklifts and kind of rental equipment big stuff. 2514 02:10:06.840 --> 02:10:08.600 Give her time to movie you dummy. 2515 02:10:08.640 --> 02:10:11.920 Hold on, go with a sure thing Denver's best roofer 2516 02:10:12.079 --> 02:10:13.439 Excel Roofing dot com. 2517 02:10:13.640 --> 02:10:16.199 You don't pay a cent until you're contenth. 2518 02:10:19.039 --> 02:10:22.159 Time for an insurance check up free, no obligation comparison 2519 02:10:22.359 --> 02:10:25.880 call Compass Insurance paying too much your coverage at dozens 2520 02:10:25.920 --> 02:10:28.640 of insurance companies find out now three oh three, seven 2521 02:10:28.640 --> 02:10:30.960 to seven to one help. You'll think you're his only 2522 02:10:31.119 --> 02:10:33.520 customer when you choose Frank Durand the real estate Man 2523 02:10:33.600 --> 02:10:37.000 dot com to list your home with Remax Alliance three 2524 02:10:37.079 --> 02:10:39.159 oh three nine two zero sixteen twenty two. 2525 02:10:41.279 --> 02:10:44.479 Try three oh three Martino. Please don't forget that number 2526 02:10:44.560 --> 02:10:47.600 works on and off the air. Three zero three Martino. 2527 02:10:47.640 --> 02:10:50.600 I want to go to our legal expert, Brad O'Brien. 2528 02:10:50.760 --> 02:10:52.840 Let me tell you when it comes to commercial real 2529 02:10:53.000 --> 02:10:56.840 estate or residential this guy knows everything really quick, Brad. 2530 02:10:57.279 --> 02:10:59.840 Just because I'm up against the clock, Karen had a 2531 02:11:00.359 --> 02:11:03.880 a commercial property lease in Denver. The term was up. 2532 02:11:03.920 --> 02:11:05.800 I don't know if it was ten year, twenty years. 2533 02:11:05.880 --> 02:11:09.079 She's been there a very long time, and they've been 2534 02:11:09.159 --> 02:11:11.920 going month to month. There's a new owner involved. Someone 2535 02:11:12.039 --> 02:11:14.039 came in and bought it, and I don't know what 2536 02:11:14.159 --> 02:11:17.159 their plans are, but she's been on a month to 2537 02:11:17.279 --> 02:11:21.199 month lease. They both agreed on that. So a couple questions. 2538 02:11:21.279 --> 02:11:24.720 One when that initial lease was up and they converted 2539 02:11:24.800 --> 02:11:26.960 and both agreed to go to month to month that 2540 02:11:27.159 --> 02:11:30.039 there was nothing signed there, so the terms of the 2541 02:11:30.159 --> 02:11:33.199 original lease would still be the same terms except for 2542 02:11:33.319 --> 02:11:39.119 the dates. Right, yeah, yes, okay, So now they want 2543 02:11:39.199 --> 02:11:42.199 her out let me lock you in, Karen. Did they 2544 02:11:42.319 --> 02:11:44.880 serve you? Did they put up a ten day notice? 2545 02:11:47.680 --> 02:11:52.039 No, they just mailed, you know, certified, mailed me the notice. 2546 02:11:52.319 --> 02:11:59.479 And what did the notice say? Just roughly vacate by. 2547 02:11:59.439 --> 02:12:02.840 When February twenty eighth. 2548 02:12:03.039 --> 02:12:05.439 So they want her out this when did you receive 2549 02:12:05.560 --> 02:12:06.039 that letter? 2550 02:12:09.359 --> 02:12:13.159 January twenty eight, twenty seventh or twenty eight? 2551 02:12:13.279 --> 02:12:16.640 So they emailed her basically given her thirty days right there. 2552 02:12:16.680 --> 02:12:19.760 It sounds like she needs an additional thirty days though, 2553 02:12:20.039 --> 02:12:23.199 because she's got big equipment. She can't just like, you know, 2554 02:12:23.319 --> 02:12:26.439 rent a U haul and move this stuff. So two questions, 2555 02:12:26.520 --> 02:12:31.279 Brad So two questions, Brad, I mean, if she had to, 2556 02:12:31.640 --> 02:12:33.840 is there any way they could have victor from a 2557 02:12:33.880 --> 02:12:37.520 commercial property in Denver in that thirty day period if 2558 02:12:37.560 --> 02:12:40.039 it came down to something that silly. Is that even 2559 02:12:40.079 --> 02:12:40.920 a possibility. 2560 02:12:41.880 --> 02:12:43.560 Yeah, first look at the least and see if what 2561 02:12:43.640 --> 02:12:46.600 the notice requirement is. Okay, if there's nothing there, then 2562 02:12:46.680 --> 02:12:48.479 it's a three day notice. It's not ten day ten 2563 02:12:48.560 --> 02:12:50.800 days residential. So three days is all I needed. In 2564 02:12:50.880 --> 02:12:54.439 commercial it has to be three days before the end 2565 02:12:54.600 --> 02:12:57.840 of the before the beginning of the next rental month. 2566 02:12:57.960 --> 02:12:59.720 So if the month runs first to the end of 2567 02:12:59.720 --> 02:13:03.119 the month, three d donus has to be given before 2568 02:13:03.119 --> 02:13:05.119 the end of February if it's going to be effective 2569 02:13:05.159 --> 02:13:05.920 for the end of February. 2570 02:13:05.920 --> 02:13:08.560 It sounds like they did that, so she might have 2571 02:13:08.720 --> 02:13:10.640 to be out by the twenty eighth, is why you're saying. 2572 02:13:11.119 --> 02:13:12.760 Except mainly, if not good enough for this kind of 2573 02:13:12.880 --> 02:13:15.640 it has to be posted or hand or in person delivered. 2574 02:13:16.319 --> 02:13:19.239 Oh, it's got to be in person delivered or posted 2575 02:13:19.319 --> 02:13:22.560 you oh my god. So basically where she stands right 2576 02:13:22.680 --> 02:13:26.279 now is she would have those extra thirty days because 2577 02:13:26.319 --> 02:13:29.680 even if they hand delivered one now she would still 2578 02:13:29.760 --> 02:13:33.720 be able to go through March, right, that's right, So Karen, 2579 02:13:33.800 --> 02:13:36.279 you're in great shape. They're just playing hardball and the 2580 02:13:36.399 --> 02:13:38.920 new owner, Brad, won't even talk to her. They have 2581 02:13:39.079 --> 02:13:42.119 the management company just trying to threaten her. What do 2582 02:13:42.199 --> 02:13:45.319 you suggest she does to answer it? Because everything you've 2583 02:13:45.359 --> 02:13:46.439 said is great. 2584 02:13:46.960 --> 02:13:49.680 Well politely respondent, writing about what her rights are and 2585 02:13:49.800 --> 02:13:53.720 what their responsibilities are for following the right procedures or 2586 02:13:54.840 --> 02:13:55.800 criminating tendency. 2587 02:13:56.920 --> 02:13:59.039 Karen's you got any questions for Brad and the other 2588 02:13:59.159 --> 02:14:01.039 thing as Honestly, if you don't want to deal with 2589 02:14:01.119 --> 02:14:03.640 that part and you're just more you know, you just 2590 02:14:03.720 --> 02:14:06.039 want to make sure you get your your your time 2591 02:14:06.199 --> 02:14:08.600 right to that end of March, you can call Brad 2592 02:14:08.680 --> 02:14:11.279 up and Brad can start doing the communications for you. 2593 02:14:11.640 --> 02:14:13.760 That's not going to cost that much. It seems pretty 2594 02:14:13.800 --> 02:14:16.359 cut and dry, right Brad, unless if there's something you 2595 02:14:16.439 --> 02:14:17.319 know we're all missing. 2596 02:14:18.279 --> 02:14:21.279 Yeah, yes, probably less than well. 2597 02:14:21.520 --> 02:14:24.960 He's talking lesson an hour of his time to do that. 2598 02:14:25.119 --> 02:14:27.600 I wouldn't even hesitate. I'd call him personally. 2599 02:14:29.760 --> 02:14:30.079 Okay. 2600 02:14:31.119 --> 02:14:33.880 My other quick question was then I would like to 2601 02:14:33.960 --> 02:14:34.159 do that. 2602 02:14:34.359 --> 02:14:37.079 Actually, we'll give you his number when we're done. But 2603 02:14:37.520 --> 02:14:38.399 quick with the question. 2604 02:14:40.159 --> 02:14:42.439 I thought that if I do, if I'm able to 2605 02:14:42.479 --> 02:14:45.800 get out everything that I need to, you know, but 2606 02:14:46.159 --> 02:14:50.880 left you know different, you know, sheets of materials or 2607 02:14:50.920 --> 02:14:53.960 something like that. Am I obligated to have this whole 2608 02:14:54.039 --> 02:14:55.039 place cleaned out? 2609 02:14:55.640 --> 02:14:57.319 That's all going to be in the least, right, Brad? 2610 02:14:58.199 --> 02:15:01.520 Yeah, normally it's a broom clean. Uh is the condition 2611 02:15:01.520 --> 02:15:02.039 you have to leave it in. 2612 02:15:02.319 --> 02:15:05.119 So she doesn't have to paint or anything. A broom clean, 2613 02:15:05.399 --> 02:15:07.560 but she would need to get materials out right. 2614 02:15:08.520 --> 02:15:12.720 Yeah, and you could leave wearing wearing chair accepted. Yep, 2615 02:15:13.279 --> 02:15:14.199 you can't leave any of your stuff. 2616 02:15:14.399 --> 02:15:15.960 And how long have you been there, Karen? You said 2617 02:15:16.039 --> 02:15:20.760 thirty years? Yeah, so you're wearing tear is going to 2618 02:15:20.840 --> 02:15:22.960 be everything. I got to put you both on hold. Hey, 2619 02:15:23.079 --> 02:15:25.600 Brad O'Brien, I appreciate it. By the way, if you're 2620 02:15:25.600 --> 02:15:28.399 a landlord out there and having updated your lease for 2621 02:15:28.520 --> 02:15:31.840 your tenants residential, commercial, you gotta call Brad have him 2622 02:15:31.880 --> 02:15:34.520 look over that lease. There's so many rule changes, but 2623 02:15:34.720 --> 02:15:37.039 anything out there, I mean, you just heard them the 2624 02:15:37.119 --> 02:15:40.840 Guys Walking book when it comes to property, Brad O'Brien, 2625 02:15:41.159 --> 02:15:44.359 here's the number Karen in for everybody else anything seven 2626 02:15:44.439 --> 02:15:48.319 two zero three seven zero seven three eight eight seven 2627 02:15:48.399 --> 02:15:51.760 two zero three seven zero seven three eight eight or 2628 02:15:51.960 --> 02:15:55.359 o ls law dot com. Kelly make sure she got 2629 02:15:55.439 --> 02:15:59.520 that if she's still there. And then basically John CMG 2630 02:15:59.680 --> 02:16:03.000 find Angel John Clays. He's done our mortgage. We've known 2631 02:16:03.039 --> 02:16:05.279 this guy thirty years. I don't care if you just 2632 02:16:05.359 --> 02:16:09.119 want a traditional thirty year or fifteen year. This guy's 2633 02:16:09.159 --> 02:16:11.199 going to get you the best rate out there. On 2634 02:16:11.439 --> 02:16:13.920 top of that, he does the all in one loan. 2635 02:16:14.039 --> 02:16:17.920 We talked about that. The effective interest rates around three percent. 2636 02:16:18.119 --> 02:16:20.239 It's a little hard to qualify, but it's great for 2637 02:16:20.359 --> 02:16:24.000 some people. It's great for second properties like a vacation 2638 02:16:24.239 --> 02:16:27.600 house or something. And then reverse mortgages. They have a 2639 02:16:27.720 --> 02:16:31.399 full team that can help you get into a reverse mortgage. 2640 02:16:31.640 --> 02:16:34.559 These are great people. Please call them with any questions 2641 02:16:34.600 --> 02:16:38.079 at all three oh three, five seven seven seventy two 2642 02:16:38.200 --> 02:16:40.600 oh six. We'll see you tomorrow.