Speaker 1: Yeah, ripped up news, need advice?
Speaker 2: Who you don't have?
Speaker 1: Come runing just as fast as we can. Shooter's gonna
Speaker 1: help me. Come man, this.
Speaker 3: Is the Troubleshooter Show. No Tom Martino, Hey, hey.
Speaker 4: Hey, Tom Martino.
Speaker 5: Here, as you can see, we have a studio full
Speaker 5: of people, Thank goodness. We have sues front and center,
Speaker 5: lovely sues. And then we have Mark the Mug. And
Speaker 5: then who is this homely guy to my left or
Speaker 5: screen left? Who is that?
Speaker 6: Dame John with cmg are mortgage expert.
Speaker 5: I know John, God, John and I know each other
Speaker 5: thirty years John welcome, John Clays.
Speaker 7: Thirty years John, Oh, yeah, thirty at least years. And yeah,
Speaker 7: at least.
Speaker 5: John and Matt and his wonderful late brother and dads.
Speaker 6: I knew them all.
Speaker 5: Yeah, yeah, we we had we've had many of fun.
Speaker 7: Yes, we did.
Speaker 6: We No, I'm not and I.
Speaker 5: Don't mean, I don't mean rowdy crap, but we've had
Speaker 5: a we've had a lot of fun.
Speaker 6: At various places, parties and stuff.
Speaker 5: We we really go way back and it was.
Speaker 6: Good, good fun.
Speaker 8: Though.
Speaker 5: We're good friends. And how's Matt doing, by the way, John.
Speaker 7: Matt's doing great, you know, he's still here in here
Speaker 7: and Denver over there by the Dave and Busters area
Speaker 7: of the Colorado Center. And you know, their Paradigm group
Speaker 7: is still still doing He's doing well. He told me
Speaker 7: just hi and yeah, he's doing great.
Speaker 5: All right anyway, three oh three seven one three talk
Speaker 5: seven one three.
Speaker 6: Eight two five five.
Speaker 5: People, we welcome you to the show. You're all part
Speaker 5: of the family. I have my YouTube morons, I have
Speaker 5: my Discord group. I have my people on Facebook and
Speaker 5: nextdoor and all over social media. Plus just on the radio,
Speaker 5: on our radio, our sister station's cardio and other stations
Speaker 5: around the country, or people that take us on the
Speaker 5: iHeartRadio app.
Speaker 6: I get texts every day from.
Speaker 5: People all over saying, man, we love hearing you, we
Speaker 5: just discovered you, or others who moved away and stayed
Speaker 5: in touch with us.
Speaker 6: So thanks.
Speaker 5: Welcome to the Troubleshooter family and this hour brought to
Speaker 5: you by water pros. Now, I'm going to just tell
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Speaker 5: dot net. Now, speaking of products that work, I wanted
Speaker 5: to dedicate today to products that work and products that
Speaker 5: don't work. Have you ever bought something and it just
Speaker 5: doesn't work? No, I'm not talking about broken down. I'm
Speaker 5: not talking about defective. I'm talking about the a holes
Speaker 5: we're selling it, are lying to you. It just never works.
Speaker 6: I'm gonna give you one. How about the ultrasound that
Speaker 6: keeps mice mice away?
Speaker 9: True?
Speaker 6: What a piece of crap.
Speaker 5: And by the way, Deputy Bow is with me, chiming
Speaker 5: and Bow, have you bought one of those?
Speaker 10: I did, and I even built one. Wants to check
Speaker 10: it out. And those things are just a scam. They
Speaker 10: do absolutely do not work.
Speaker 5: I want to I know Brian the mouse guy listens
Speaker 5: to a slot the mouse and critter and guys. I
Speaker 5: want to know what he thinks about those ultrasound systems.
Speaker 5: I don't think I ever directly asked him, but people
Speaker 5: waste money these things that plug in and apparently they
Speaker 5: emit some kind of sound and it won't let varmint
Speaker 5: surround you anyway.
Speaker 6: Scott, what's going on with you?
Speaker 5: Scott is uh talking about speaking of which? Animal protection?
Speaker 5: So I don't know what's going on Scott? Hi, Scott,
Speaker 5: I'm tom ar what's happening him?
Speaker 11: So we had an encounter with Denver Animal Patrol. We
Speaker 11: had taken our dog to the vet to have a
Speaker 11: injury with his foot checked out. It turned out that
Speaker 11: is a whorbit and that he was fine. On the
Speaker 11: way home, we stopped by home depot. I was just
Speaker 11: getting some pickets to fix the fence, and someone called
Speaker 11: animal patrol. The officer was extremely rude. My wife was pretty.
Speaker 5: Wait wait wait, wait wait, you just hold on, hold on, bro, Bro,
Speaker 5: you took dog to the vet for foot injury.
Speaker 6: And you said yeah, and then you stopped at home.
Speaker 5: You stopped at home depot and they called animal control.
Speaker 5: You're leaving something out. Why would someone call animal control
Speaker 5: because you're at home depot with your dog.
Speaker 11: So the dog was in the car with his foot,
Speaker 11: he was limping, and so dog was in the car
Speaker 11: windows and rolled down the temperature. I'm it wasn't even
Speaker 11: eighty degrees. It was around eighty degrees.
Speaker 12: Temperatures are rolled down.
Speaker 5: So what time of year? What time of year was this?
Speaker 5: What time of year was it?
Speaker 11: So this was twenty twenty three and it was August.
Speaker 5: Fifth, August fifth, Oh good, you're very precise.
Speaker 6: Twenty twenty three. Took dog to the vet, Okay, got it.
Speaker 5: Then on the way home, stopped at the Okay, go
Speaker 5: on with your story.
Speaker 11: And so an animal protection officer came out and again rude,
Speaker 11: yelling at my wife, who was pregnant. We had our
Speaker 11: son with us, who was around a year old, yelling
Speaker 11: at both me and my wife in front of ourselves.
Speaker 6: What were they yelling at?
Speaker 5: What were they saying, Hey, this is too hot to
Speaker 5: have a dog in here.
Speaker 6: Whatever.
Speaker 11: Pretty much more of it was. And it's that you know,
Speaker 11: we were bad pet owners, that this is dangerous, that
Speaker 11: something could have happened to the dog, and that it
Speaker 11: was irresponsible. You should know better. What we recall the
Speaker 11: officer saying is that she said, let's stick your son
Speaker 11: in the car. See how long he lasts. The officer
Speaker 11: instructed us to sit into the car and roll up
Speaker 11: the windows to see how we like it. And so
Speaker 11: there wasn't.
Speaker 6: It got very It got very contentious.
Speaker 5: It got very contentious.
Speaker 11: Very contentious, and from the from the start. So the
Speaker 11: first thing that the officer said, all right.
Speaker 5: So what are you calling about today? This was August fifth,
Speaker 5: twenty twenty three. You're calling today, which is February fifth,
Speaker 5: twenty twenty five. What is the new development?
Speaker 13: So we had.
Speaker 11: A trial, and what.
Speaker 6: Were you charged with?
Speaker 11: Animal? The animal.
Speaker 6: Cruelty, the animal abuse.
Speaker 2: Cruelty, animal cruel Were you ticketed?
Speaker 6: Were you ticketed? Or did they take the dog?
Speaker 5: What happened that day?
Speaker 11: So it was a summon, So it was over forty
Speaker 11: minutes of the officer doing what they felt that they
Speaker 11: needed to do.
Speaker 5: So you were ticketed for animal cruelty. Now, normally it
Speaker 5: goes to hearing way sooner than two years later. So
Speaker 5: when did it? So have you been appealing and fighting this?
Speaker 5: I mean, why is it going on so long?
Speaker 11: So the trial itself wasn't until November of last year, so.
Speaker 5: They didn't offer any kind of plea, bargain or anything.
Speaker 13: No.
Speaker 11: So the first day that I went to the summon,
Speaker 11: I am a licensed profession in the city of Denver
Speaker 11: and part of the renewal for that.
Speaker 6: All right, hold on, I'm.
Speaker 5: Gonna take a break and I'm gonna hear your story
Speaker 5: coming back on. Tom Martino three oh three seven, one
Speaker 5: three eight two five five Go with a sure thing
Speaker 5: Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. I'm Tom Martino,
Speaker 5: your troubleshooter three oh three seven one three talks seven
Speaker 5: one three eight two five five. All right, now, before
Speaker 5: I go back to my uh anial, protect an issue
Speaker 5: really quick. Brian the mouse guy, I just want to
Speaker 5: ask you do those sonic ultrasound things work to get
Speaker 5: rid of critters, mice and stuff?
Speaker 14: For about what will happen is about two weeks into it,
Speaker 14: they get used to it and they come back in
Speaker 14: so they really don't worry.
Speaker 5: So it does initially wait a minute, Initially it does
Speaker 5: have some kind.
Speaker 14: Yes, it's an irritant. It's an irritant. They're not sure
Speaker 14: what it is. It's like if you walk into a
Speaker 14: room with a high pitched noise. You're not going to
Speaker 14: scam in it for any length of time.
Speaker 5: I get it. But then they get used to it
Speaker 5: and they come back when they know it's not a danger.
Speaker 6: They come back correct.
Speaker 5: All right, Hey, thank you, Brian. Appreciate it. Now, Jared,
Speaker 5: you have a comment on this animal case?
Speaker 6: What is it?
Speaker 15: Yeah?
Speaker 16: How you doing? Tom? I just I got to agree
Speaker 16: with the animal officer on this one. You know, you
Speaker 16: can't leave your dog in the car an eighty degrees day.
Speaker 16: You know how hot is it in that car? I mean,
Speaker 16: if he wouldn't leave his kid in the car, why
Speaker 16: would he leave his dog in the car.
Speaker 5: I think he said the windows were open and it
Speaker 5: was just yet. Look, I'm not you're right, Jared. I
Speaker 5: imagine that the officer. I'm happy they're doing their job.
Speaker 5: What I don't understand is what Scott's calling about right now?
Speaker 5: So Scott, you can finish your story. So in August
Speaker 5: of twenty three, you got the ticket. It finally went
Speaker 5: to court. You were ticketed for animal cruelty. And what's
Speaker 5: going on?
Speaker 17: And so the issue with the case is, so the
Speaker 17: officer did come out, they did take measurements of the car,
Speaker 17: and they testified twice.
Speaker 11: There's a motion hearings person and at the trial, the
Speaker 11: dog was not exhibiting any signs of distress. The dog
Speaker 11: was sitting up right with alert that they were attempted
Speaker 11: to the officer. The officer testified that they saw no
Speaker 11: reason to get the dog out of the car in
Speaker 11: Tishade to provide the dog with water. They saw no
Speaker 11: reason for them to intervene on the dog's behalf. The
Speaker 11: lug was healthy, that there wasn't anything that concerned them.
Speaker 8: The issue with the case.
Speaker 11: So when I complained about the officer's behavior to Denver
Speaker 11: Animal Protection, they increase the charges against me, so that
Speaker 11: not only are we doing animal cruelty but also doing
Speaker 11: animal neglegs that.
Speaker 6: Yeah, they you know.
Speaker 5: What they they often do that. They often do that.
Speaker 5: I'm sorry they do yeah, and so, and they do
Speaker 5: that with traffic and everything. They what they try to
Speaker 5: do is say, look, if we're gonna go to court
Speaker 5: anyway and expend the money, let's uh, let's just do
Speaker 5: whatever we need to do. I know people think it's
Speaker 5: a punishment, and it kind of is. But but what
Speaker 5: they're saying is, if we're going to go to court,
Speaker 5: let's fight, and we may as well fight all the charges.
Speaker 5: So anyway, let's speed forward to the issue today that
Speaker 5: makes you call because so far, nothing really out of order.
Speaker 5: I'm not saying necessarily that you should be happy with
Speaker 5: him or agree with him, but nothing out of order.
Speaker 6: You got a ticket, it went to court. So now
Speaker 6: where where do we stand?
Speaker 11: So with the decision from the court, what was the sentence?
Speaker 11: So with with adding the animal cruelty to the animal
Speaker 11: neglect charge, there is something that says that when you.
Speaker 6: Were you found guilty, Scott.
Speaker 9: The yes, the judge ruled guilty.
Speaker 4: Scott.
Speaker 6: I am okay, I listen.
Speaker 5: I know you're struggling with this man, but I need
Speaker 5: information because I know what you're doing. You don't want
Speaker 5: to tell me stuff you disagree with, but I need
Speaker 5: to know you were convicted.
Speaker 7: Of what.
Speaker 11: Animal?
Speaker 6: Animal cruelty?
Speaker 7: Okay?
Speaker 6: Anything else?
Speaker 8: Nope?
Speaker 6: The judge just okay, So.
Speaker 5: What do you okay? So, so are are you appealing it?
Speaker 7: Yes, Scott?
Speaker 6: And where where does it stand right now?
Speaker 11: We're in the appeals process?
Speaker 6: Dog? Okay? What were you going to say? Bo Scott?
Speaker 7: Did day confiscate the dog? Do you have your dog?
Speaker 8: We still have the dog.
Speaker 5: You don't have your Oh they took it away, so
Speaker 5: is your dog?
Speaker 11: They did not confiscate the dog.
Speaker 8: We still have the dogs.
Speaker 5: Okay, okay, So what are you calling about? Scott, what
Speaker 5: can we help you with if anything?
Speaker 11: So, with the conviction of the animal cruelty, our son
Speaker 11: was born last March. He was born with special needs,
Speaker 11: art defects, stuff like that. I ended my job in
Speaker 11: order to be an own caregiver for our son. With
Speaker 11: a charge of animal cruelty, I cannot be a caregiver
Speaker 11: for a population that.
Speaker 5: Really wait wait, wait, so wait a minute, you're not allowed.
Speaker 5: Let me get this straight. You're not allowed to care
Speaker 5: for your son at home.
Speaker 11: I am not allowed to be a licensed caregiver for
Speaker 11: vulnerable Okaya as a conviction of and you.
Speaker 5: Hold on, you wanted Scott, I got to get the
Speaker 5: whole picture. You you were trying to get a license,
Speaker 5: so when you care for your son, you could be reimbursed.
Speaker 6: Is that correct?
Speaker 13: Correct?
Speaker 11: Being a license?
Speaker 5: Okay, an assistant, I get that, man, I get that.
Speaker 5: So now you want to change this career because of
Speaker 5: your son and and and your life's changes, and this
Speaker 5: conviction truly truly keeps you from doing that.
Speaker 6: Wow.
Speaker 11: And I know that we're getting into a little.
Speaker 5: Bit of the thicket here, but with the case, no, no,
Speaker 5: I understand exactly. I understand exactly why you're concerned whether
Speaker 5: it's your son or not. You want to be a
Speaker 5: licensed caregiver, and you can't.
Speaker 7: Correct.
Speaker 6: Is this for life?
Speaker 11: And so it will be on my record for a
Speaker 11: minimum of three years. During those three years I can't.
Speaker 11: I can then try to get it off of my record,
Speaker 11: and then when you go and get licensed, they will
Speaker 11: still do a background check and depending on how deep
Speaker 11: that goes.
Speaker 5: And you know what, No, I'm serious when you look
Speaker 5: at the substance of this whole thing, leaving the dog
Speaker 5: with the window open, they didn't even think the dog
Speaker 5: needed any assistance.
Speaker 6: But I mean, I'm not saying.
Speaker 5: People should do this, okay, but for that to make
Speaker 5: a life impact like this, you would think there should
Speaker 5: be some way to get this expunged or something. What
Speaker 5: do you think about this, sus.
Speaker 18: I don't know. I mean, like a lot of our
Speaker 18: YouTube es are saying, like, if there is enough time
Speaker 18: for animal control to come out, that dog was in
Speaker 18: the car for quite some time, So it's like, okay,
Speaker 18: but was.
Speaker 5: The dog on an eighty degree day with the window open?
Speaker 5: How much was the window open? By the way, I'm
Speaker 5: just curious. Look, and I'm not making excuses for this guy.
Speaker 6: I want to make that very clear.
Speaker 5: It pisses me off when I see this, But does
Speaker 5: he deserve a life sentence? I mean when you take
Speaker 5: into consideration now, if this guy was fighting dogs and
Speaker 5: regularly abusing animals, I would say, no way, can you
Speaker 5: be a caregiver? You can't even care for dogs. But
Speaker 5: if this was truly a one time thing, I mean,
Speaker 5: I don't know was it a one time thing?
Speaker 6: Have you ever been in trouble before?
Speaker 5: See if we got to take a break and we'll
Speaker 5: talk about it coming back.
Speaker 6: I'm Tom Martino three oh three seven.
Speaker 5: One three eight two five five Knah Home Solutions, the
Speaker 5: people with heritage and great products, and I urge you
Speaker 5: to call them three oh three four two one seventy
Speaker 5: one hundred go with a sure thing Denver's Best Roofer
Speaker 5: Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're contenth.
Speaker 5: Time for an insurance check up, free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hey Tom Martino
Speaker 5: here three oh three seven one three talks seven one
Speaker 5: three eight two five five. Welcome to the only show
Speaker 5: of us kind anywhere in the universe. Frank ran In
Speaker 5: the real Estate Man. Call him right now if you
Speaker 5: want to know what your house will sell for. You know,
Speaker 5: I've been thinking about it. I've been think you know what,
Speaker 5: Maybe I do want to get out of Dodge and
Speaker 5: get somewhere in a smaller neighborhood somewhere, and how about
Speaker 5: starting his home studio all over again.
Speaker 6: I'm just kidding.
Speaker 5: If you want to get a price for your house
Speaker 5: and what it will sell for, Frank will do that
Speaker 5: analysis free of charge. Three h three nine to zero,
Speaker 5: sixteen twenty two. Franc Rund the real estate Man dot com.
Speaker 5: And speaking of that, John Clays, I just want to
Speaker 5: ask you something real quick. We talk about reverse loans,
Speaker 5: and I want to ask something. If somebody wants to
Speaker 5: buy a house, can a reverse loan be put on
Speaker 5: a new house?
Speaker 6: How would that work?
Speaker 7: Yes? Actually it's becoming quite popular because people, you know,
Speaker 7: selling getting equity but so you would still do the reverse.
Speaker 7: So you know, Ballpark, you're going to have to put
Speaker 7: down about about sixty percent of the price of the
Speaker 7: house to qualify for the reverse purchase. But yes, a lot, yes,
Speaker 7: a lot of people are doing it. It's just like
Speaker 7: a reverse mortgage, but for a purchase. So works just
Speaker 7: like a regular purchase, but your own reverse. But it's
Speaker 7: so so.
Speaker 5: Then they move in and they can have that line
Speaker 5: of credit just sit there. They don't need it right away,
Speaker 5: but if they need it, they can tap it. But
Speaker 5: if they're going to be in that house, they don't
Speaker 5: ever have to worry about making a payment, never have.
Speaker 7: To worry about making the payment. All they got to
Speaker 7: do is pay their property taxes and homeowers insurance, and yeah,
Speaker 7: they live there for the rest of their life without
Speaker 7: making them money.
Speaker 5: Are you allowed to use the proceeds of the loan
Speaker 5: or the line of credit to pay for taxes and insurance?
Speaker 7: You can? So, just just to be clear, So say
Speaker 7: you were buying a house and you paid off who
Speaker 7: you're going to bring all cash. Now you would have
Speaker 7: the line of credit would be about forty percent of that,
Speaker 7: so you're going to but you would have equity of
Speaker 7: that to pay any bills you wanted.
Speaker 5: So, yes, you're good, all right, that's CMG mortgage, of course,
Speaker 5: CMG Financial. I'm going to go back now. So Scott,
Speaker 5: I don't know what to do about this man. Have
Speaker 5: you inquired with an attorney? Did you have an attorney
Speaker 5: through this process?
Speaker 8: Yes?
Speaker 2: I did.
Speaker 11: I started with an attorney, but because I mean, we
Speaker 11: had to take open up a new credit card because
Speaker 11: of the costs, and we max it out, and so
Speaker 11: I ended up defending myself at trial. I with all
Speaker 11: the costs, especially with you know, our son. We're trying
Speaker 11: to figure out how to navigate this, and you know,
Speaker 11: I agree with you. I would never intentionally harm my dog.
Speaker 11: The officer stated that they never saw anything wrong with
Speaker 11: the dog. My issue is the officer in the report
Speaker 11: said that the temperatures that they were measuring were the
Speaker 11: ambient air temperatures inside the car. They were using a
Speaker 11: laser guns. They didn't use it properly. I couldn't submit
Speaker 11: any of that evidence about the user.
Speaker 5: But but it's over, Bro, It's but it's over. I mean,
Speaker 5: you appeal it, but it's over. I think you're going
Speaker 5: to lose the appeal What I want to know is this,
Speaker 5: be honest with me.
Speaker 6: I want to know.
Speaker 5: Did they offer you something that wouldn't have been a
Speaker 5: full fledged conviction and you just wanted to fight it?
Speaker 6: I mean, did they offer something less.
Speaker 11: No, I had to plead guilty, and that guilty tree
Speaker 11: is what would impact my ability to be licensed.
Speaker 5: But did they would they make it? Would they make
Speaker 5: it a lesser charge?
Speaker 11: No, I would have to plead guilty to animal cruelty,
Speaker 11: which would no longer allow me to be a caregiver
Speaker 11: for a full vulnerable population. I get it, man, they
Speaker 11: knew that.
Speaker 7: I don't.
Speaker 5: I don't have an answer for you, Scott, Scott, what
Speaker 5: were you hoping?
Speaker 6: And I always ask this because I really mean this.
Speaker 5: What were you hoping we could find out for you
Speaker 5: that that you can get this.
Speaker 6: Reversed or something?
Speaker 5: I mean you you are going through an appeals process?
Speaker 11: Yeah, And I guess part of it is that I
Speaker 11: am at my I don't know what to do with this.
Speaker 11: You know, I I'm trying.
Speaker 5: Well, you're not going to get if you're you're not
Speaker 5: going to get free legal help. I know that you're
Speaker 5: appealing to us because your son has special needs. I
Speaker 5: need to ask a question. Were you planning and I
Speaker 5: don't care if you were, there's nothing wrong with it.
Speaker 5: Were you planning on using your CNA to care for
Speaker 5: your son and be reimbursed.
Speaker 6: Yes, A lot of parents.
Speaker 5: Do this, and I want to explain this to those
Speaker 5: listening so they don't think it's some kind of scam.
Speaker 5: A lot of parents think if I have to take
Speaker 5: off work anyway and take care of my special needs child,
Speaker 5: at least I don't have to lose one hundred percent
Speaker 5: of my income because if I had to hire someone,
Speaker 5: we'd have to pay. So if I get my license,
Speaker 5: I can do it and get reimbursed.
Speaker 6: Obviously, you'd probably take a big.
Speaker 5: Cut and pay from what you're making, but you wanted
Speaker 5: to take care of your son. I don't know what
Speaker 5: to say about it, man, Honest to god, I just
Speaker 5: don't know what to say about it, because there's no
Speaker 5: answer right now. You're going to have to either wait
Speaker 5: until it's expunged or or until it drops off, or
Speaker 5: you're going to have to get it expunged, which is
Speaker 5: going to be expensive, or you're going to have to
Speaker 5: win the appeal. There really is no answer here that
Speaker 5: you like.
Speaker 6: I wonder if you judge to say, and then I
Speaker 6: have to move on.
Speaker 10: Go ahead this real quick, Scott bo go what I
Speaker 10: would do.
Speaker 7: Do your appeal, but go ahead and take on the conviction.
Speaker 10: But just tell the judge because of your circumstances with
Speaker 10: your son, you can't get this last.
Speaker 5: Did you explain that to the judge?
Speaker 8: I did.
Speaker 11: And the reason for the appeal and the grounds for
Speaker 11: the appeal is again what the judge convicted on. The
Speaker 11: prosecutor said that they would not go after and so
Speaker 11: I'm not asking.
Speaker 5: I'm not asking if you asked the judge to retry it.
Speaker 5: I'm asking if you explained to the judge the special
Speaker 5: circumstances the judge is not to retry the case.
Speaker 11: Okay, correct, yep, And I did. I explained it at
Speaker 11: the time. I explained it before she did the sentence
Speaker 11: seem that this is why I could not accept the
Speaker 11: initial when you show up for your okay, I get it.
Speaker 5: Well, man, they must think this is a pretty damn
Speaker 5: severe case.
Speaker 6: That's all I can say. They must.
Speaker 5: And Scott, I know that you have evidence that says
Speaker 5: that the cops saw no big or the enforcement officer
Speaker 5: saw no need for assistance and all that, But I
Speaker 5: don't know what else to tell you. Mark, Do you
Speaker 5: have any ideas? Sore's any ideas? Where do we get
Speaker 5: Joe Lazaron?
Speaker 19: Could we could ask him if he has an opinion
Speaker 19: on it?
Speaker 6: Time, Let's do it. Okay, let's just Scott, we'll call
Speaker 6: you back.
Speaker 5: Let's try to get that. Let's try to get some
Speaker 5: some experts on here. Hey, Adam, you have a comment
Speaker 5: on property taxes? What's going on? Man?
Speaker 15: That's only I'm a couple of acres in Pueblo, West Colorado,
Speaker 15: and I just got my cask bill. And what aims
Speaker 15: that they did is I own one lot that has
Speaker 15: a house on it. One lot is an empty residential lot.
Speaker 15: They have seen to change the residential lot to what
Speaker 15: they call vacant land, and they're now taxing at twenty
Speaker 15: seven and a half percent versus the seven and a
Speaker 15: half percent as last year.
Speaker 5: Okay, a vacant lot is vacant land and they're not
Speaker 5: going to be taxed. Well, it's a residential lot, that's right.
Speaker 5: Are you telling me that a residential lot? See, a
Speaker 5: residential lot is usually only taxed as a residential lot.
Speaker 5: Hold on, man, A residential lot is only a temporary
Speaker 5: designation while you're building or about to build, or plan
Speaker 5: to build. If you do not, if you have it
Speaker 5: as extra land, it's going to be vacant.
Speaker 15: Even if it's a residence. But you know it's good.
Speaker 5: No, I want to hear what your reasoning is. I mean,
Speaker 5: you have it, is it?
Speaker 8: Is it?
Speaker 5: Do you plan on selling it or building on it?
Speaker 15: I eventually plan on building on it, but not anytime
Speaker 15: in the near future.
Speaker 6: Then it's vacant land. I know you don't like that idea,
Speaker 6: but it.
Speaker 15: Is, even though I have loaned it for ten years
Speaker 15: and it's always been taxed as a residential lock.
Speaker 5: No, that's very that's very unusual that they let you
Speaker 5: get away with it that long.
Speaker 6: And I'm going to tell you something. It depends.
Speaker 5: It depends on the assessor's office and how they handle it.
Speaker 5: I'm not telling you I agree with them. I mean
Speaker 5: you might be able to appeal it, Adam and win.
Speaker 15: Well, I think I can't because they're quoting so new
Speaker 15: Supreme Court that got passed here in Colorado that is
Speaker 15: saying they have the right to claim it all as
Speaker 15: vacant land, even though it's that's right.
Speaker 6: Please, that's right. That's exactly now.
Speaker 5: No, no, if you made it as one lot, that's
Speaker 5: not true. I got to take a break. I'll explain
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Speaker 6: Three oh three nine two zero sixteen twenty two.
Speaker 5: I'm Tom Martino, your troubleshooter three all three seven one
Speaker 5: three talk seven one three each two five five. Joel
Speaker 5: Azara is a criminal defense attorney. He knows a lot
Speaker 5: about crime and all kinds of stuff. Listen, Joe in
Speaker 5: a nutshell, this guy left his dog in a car,
Speaker 5: went to home depot and got a ticket for animal cruelty.
Speaker 5: He was eventually convicted of animal cruelty while well, and
Speaker 5: by the way, the dog was not distressed and not
Speaker 5: died or anything, and people, you know, I don't agree
Speaker 5: with doing that at all, but it seems quite severe
Speaker 5: that after this conviction he cannot be as CNA. He
Speaker 5: wants to be a licensed caregiver, partially to help care
Speaker 5: for his own son and be reimbursed since he has
Speaker 5: to leave his job. Joe, they say, no, you're not qualified.
Speaker 5: Is it difficult to get that expunged?
Speaker 20: It is difficult in a tent that is generally a
Speaker 20: class one misdemeanor. That's what I'm assuming he pled to,
Speaker 20: but considering, you know, it's considering he's completed it and
Speaker 20: if his significant time has elapsed. There are different provisions.
Speaker 20: I would have to look up specifically whether or not
Speaker 20: you can feel that, but there are different provisions to
Speaker 20: get people a second chance. I don't know if that's
Speaker 20: something that's permitted to be sealed or not.
Speaker 7: Well.
Speaker 5: Other than that, Scott we don't know what to tell you, bro,
Speaker 5: And you can call Joe Lazara l A z Z
Speaker 5: A r A.
Speaker 6: Really he'll answer questions for you.
Speaker 5: And by the way, if you ever do hirements on
Speaker 5: a flat rate basis Lazara Legal dot com rate we
Speaker 5: find him at referralss dot com til three four six.
Speaker 6: Two hundred go ahead, Yes, hey, Joe. If this happened
Speaker 6: in Denver, I assume it's Denver only, so if he
Speaker 6: moved to Douglas County, it wouldn't follow him or how
Speaker 6: does that work?
Speaker 20: Well, what's interesting the conviction assuming it's a misdemeanor, and
Speaker 20: now it could be something less, but assuming it's a misdemeanor,
Speaker 20: it would follow him throughout the state. But if he's
Speaker 20: completed probation, the only thing that's saying he can't be
Speaker 20: a c CNA and licensed caregiver must be something either
Speaker 20: with regards to the CNA or the federal you know,
Speaker 20: being compensated as a caregiver.
Speaker 5: But it is just a.
Speaker 20: Generally, a misdemeanor has no real impact on you.
Speaker 6: That's weird, all right.
Speaker 5: I gotta move on to Adam real quick. Adams, listen,
Speaker 5: I did some research, thank you, Joe Adam, I did
Speaker 5: some research and I misunderstood what I was saying or
Speaker 5: what the rules are. Here are the rules. Listen carefully,
Speaker 5: this is really important. All lots, all lots are considered
Speaker 5: vacant land, all of them, whether they're going to be
Speaker 5: built on or not, they're all considered vacant land. Now,
Speaker 5: if your lot is contiguous to you the extra lot,
Speaker 5: and if both parcels have identical ownership, and if the
Speaker 5: other parcel will not be sold and will be used
Speaker 5: as one unit, then it should be taxed as residential land.
Speaker 15: All three of those apply. And they are still saying
Speaker 15: it is vacant land, and it is okay, and they
Speaker 15: have suddenly made this year and it's only made in
Speaker 15: Pueblo County.
Speaker 5: Okay, Well it's not only made in Pueblo County. According
Speaker 5: to this, they're doing it all over because people. What
Speaker 5: people were doing is land next to them, and they
Speaker 5: were calling part of their lot to get a lower rate.
Speaker 5: And what the Supreme Court decided in Mook versus the
Speaker 5: Board of County Commission of Summit County is that the
Speaker 5: land must be literally touching your land. It must be
Speaker 5: an extension of your land. It must have the exact
Speaker 5: same ownership, and it must be used together as a
Speaker 5: collective unit for one property.
Speaker 6: It's not going to be sold.
Speaker 5: You told me at the beginning of this you are
Speaker 5: someday going to build on it.
Speaker 15: I am. I am someday going to build a house
Speaker 15: for my son. I have two sons.
Speaker 6: Then that would be considered.
Speaker 5: Then it's then if that's your intent, it is vacant
Speaker 5: land right now, even.
Speaker 15: If currently it is used as a as a yard
Speaker 15: off the same property.
Speaker 5: Yes, because your intent is not to have it as
Speaker 5: a collective unit. Look, how would they even know that?
Speaker 5: Did you tell them that?
Speaker 21: No?
Speaker 15: No, but see that's just it is. No, they have
Speaker 15: just made this change this year to every lot you're
Speaker 15: in Pueblo County.
Speaker 5: Well, no, they're not the only one. Everyone has.
Speaker 15: It only is thirty seven acres in Costilla County that
Speaker 15: is vacant land or and they are still packing it
Speaker 15: at seven and a half.
Speaker 5: Of sent Okay, are they calling your thirty seven acres
Speaker 5: a residential lot?
Speaker 15: I do not exactly. I don't know what they're calling
Speaker 15: that one. But the one in Pueblo they are calling
Speaker 15: vacant life.
Speaker 5: In order I get it I get it.
Speaker 6: I get it at them.
Speaker 5: You can appeal it. According to the Supreme Court, they
Speaker 5: might be wrong. You can appeal it. It has to
Speaker 5: be connected. It has to be service one unit. It
Speaker 5: has to serve have exact own. That means not husband
Speaker 5: and wife on one and husband on another.
Speaker 6: It has to be exact.
Speaker 5: More coming up, Go with a sure thing Denver's Best
Speaker 5: Roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
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Speaker 5: of insurance companies find out now three oh three seven
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Speaker 1: Ripped of news need so you don't have.
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Speaker 6: This is the Troubleshooter Show.
Speaker 5: No Tom Martino, Hey Tom Martino here, Welcome to the show.
Speaker 5: Three oh three seven one three talk seven one three
Speaker 5: eight two five five. We have a consumer show here
Speaker 5: that tries to help people each and every day and
Speaker 5: we love doing it. So thanks for being here. And uh,
Speaker 5: what I'd like to do is, uh go to the
Speaker 5: phones three oh three seven one three talk seven one
Speaker 5: three eight two five five. Of course we do that
Speaker 5: each and every day. And this hour brought to you
Speaker 5: by k H Home Solutions. If you want window siding,
Speaker 5: doors and more, go with the company that's been around
Speaker 5: sixty five years, three oh three four to one seventy
Speaker 5: one hundred. Now let's talk to you, Marianne. What's going on?
Speaker 5: What is this issue with a contractor?
Speaker 2: Marianne, Hi, thanks for taking my call. I purchased a
Speaker 2: home last June from my father in Park County, Colorado.
Speaker 2: It was an FHA low needed a new septic system.
Speaker 2: I found a contractor through originally called Premier Consulting and
Speaker 2: Construction and then changed over to KMA Professional Services midway
Speaker 2: through my contract with him.
Speaker 5: Hold on now, wait a minute, Wait a minute, Wait
Speaker 5: a minute, this is important, Marianne. This company that you
Speaker 5: hired to do a septic is that because it failed inspection?
Speaker 2: Yes?
Speaker 6: And was that FAHA said you needed a new one?
Speaker 2: Yes? No, the county said, I needed a new one,
Speaker 2: and they were going, well, I understand that.
Speaker 5: So when did they Here's what I don't understand. Normally,
Speaker 5: if you go buy a house, the only time the
Speaker 5: county would chime in about a sceptic is if you
Speaker 5: ask them about it.
Speaker 2: I had to because of the Park County regulation. I
Speaker 2: had to get the septic pumped and I needed Okay,
Speaker 2: I needed it, Okay, yeah, okay. So they were requiring
Speaker 2: that and then it failed and then they required a
Speaker 2: new system.
Speaker 6: Okay, I get it.
Speaker 5: And so you hired this company called what what's the
Speaker 5: company you actually hired?
Speaker 2: The company I originally hired was Premiere Consulting and Construction.
Speaker 5: Now when you say that they changed, Well, how did.
Speaker 6: That happen if they had a contract with you?
Speaker 2: So it just started appearing on invoices. No, there was
Speaker 2: no formal It went from.
Speaker 5: It went from Premiere. It went from Premiere Construction to what.
Speaker 2: To k m A Professional Services?
Speaker 5: Now did they actually sell? Did they morph?
Speaker 6: What?
Speaker 5: How did they do this?
Speaker 2: This is just one individual? So Christopher Terry, Yeah, Christopher.
Speaker 5: So both entities were owned by Christopher Lockstock and Barrel
Speaker 5: right like.
Speaker 6: There's no other owners. No, it's just Okay, Chris.
Speaker 5: And that's Terry a tea, isn't tom t E R
Speaker 5: R Y. That's right, Okay, So continue your story.
Speaker 2: So he uh tried to begin the product before I
Speaker 2: closed on the house. She came in April, and he
Speaker 2: figured he could do this since I was already living
Speaker 2: here and my dad was here. So he came in
Speaker 2: April and did the excavation for the test pit. We
Speaker 2: had two eighty five engineering come out and start the
Speaker 2: design process. But obviously I didn't have any funds to
Speaker 2: pay anybody until the contract was in place with the
Speaker 2: bank after the home was closed on.
Speaker 5: So well, yeah, well, how are you going to address that?
Speaker 5: This often happens where you're required to do something but
Speaker 5: you can't do it. Yeah, Normally what happens is you
Speaker 5: pay for it. So how did you address this in
Speaker 5: the contract that you needed this done before you could
Speaker 5: close and give them the money?
Speaker 2: So that part of it really wasn't addressed that to
Speaker 2: start before the close of the house. I didn't give
Speaker 2: him any money either, nothing.
Speaker 5: So everything I understand, but there had to be some
Speaker 5: discussion on how you were going to pay. You never
Speaker 5: said to to Terry or Christopher Terry, Hey, I won't
Speaker 5: be able to pay you until my loan closes.
Speaker 7: That.
Speaker 2: I did tell him that several times in a text,
Speaker 2: So I have everything documented.
Speaker 5: Okay, I did keep going, tell me it may not
Speaker 5: have to do with this, just keep going.
Speaker 6: What happened?
Speaker 2: So he started everything, and then we started failing inspections
Speaker 2: from the county after we sold the house and everything
Speaker 2: started getting going. The first fine I had to pay
Speaker 2: because he wasn't He kept telling me he was going
Speaker 2: to invoice and send it into my bank. So implied
Speaker 2: that I needed to pay and it wasn't going to
Speaker 2: get done and we weren't going to get started. So
Speaker 2: I ended up just paying the fine. It was five
Speaker 2: and twenty three dollars. And then we just came.
Speaker 6: What was the fine?
Speaker 5: What was the actual fine for? What was the fine for?
Speaker 9: Fine?
Speaker 2: The fine was because he covered test pits before the
Speaker 2: county could inspect it, and then he didn't have the
Speaker 2: pulme permit posted.
Speaker 5: Okay, okay, I get it, but that's that's more of
Speaker 5: a technicality.
Speaker 6: Was the system actually rejected? Yeah?
Speaker 2: So it was so this again, this started. Let me
Speaker 2: back up, this started, faith, Mariann.
Speaker 5: I don't care when it started. Here's what I need
Speaker 5: to know, Mariann. I need to know some very basics.
Speaker 5: Did the system itself fail or was it the process
Speaker 5: of covering it up? Did the system fail? Okay, I
Speaker 5: guess I'm not going to get an answer. I asked
Speaker 5: her if the system itself failed inspection or was it
Speaker 5: the procedure that he did wrong?
Speaker 13: Yeah?
Speaker 6: What was it? I mean, mary Anne? I think she
Speaker 6: hung up. Why would she has the answer?
Speaker 5: Because I think she doesn't want to give me all
Speaker 5: the because I need information and and and she just
Speaker 5: wanted to keep telling me other stuff. Maybe I don't know,
Speaker 5: but I can't hang on for it. Three oh three
Speaker 5: seven one three A two five five. John Clace, we
Speaker 5: have a a text for you. And the text has
Speaker 5: to do with the all in one loan. I call
Speaker 5: it the liquid loan. They want to know if it's
Speaker 5: a thirty year line of credit, do you have access
Speaker 5: to that equity for the full thirty years or do
Speaker 5: they expect you to start paying down at some time
Speaker 5: or can you pay down in the last year.
Speaker 7: So, yes, it's a true thirty year line of credit.
Speaker 7: And what it does is for the first ten years
Speaker 7: you have access to the full line then, so then
Speaker 7: they take the last twenty years. They take basically whatever
Speaker 7: say you borrowed four hundred thousand, They divide four hundred
Speaker 7: thousand by forty is twenty years and months, and they
Speaker 7: reduce your line by that much. So if you use
Speaker 7: the loan correctly, you never have to worry about it
Speaker 7: because all it does is go four hundred thousand, now,
Speaker 7: have three hundred and ninety eight thousand available. Then the
Speaker 7: next month three ninety six and hopefully have your loan.
Speaker 6: Paddam, I get it.
Speaker 5: Yeah, and they do that so you're don't end up
Speaker 5: with a balance on day zero.
Speaker 7: It's a force force payoff after thirty years.
Speaker 5: So yeah, yes, of course, but it is a true
Speaker 5: line of credit, first deed of trust, and every dime
Speaker 5: you keep in the bank counts against the average daily
Speaker 5: balance to reduce your overall interest.
Speaker 6: We have to take a break right now. Three oh
Speaker 6: three seven, one, three eight, two five five.
Speaker 5: Go with a sure thing Denver's best roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation. Comparison
Speaker 5: call compass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies. Find out now three oh three, seven
Speaker 5: to seven to one.
Speaker 6: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Oh Hi, Tom Martino, you're troubleshooter three
Speaker 5: O three and won three talk seven.
Speaker 6: One three eight two five five.
Speaker 5: Hey, Marian, I'm sorry we were disconnected. Here's the bottom line.
Speaker 5: You bought a home from your dad. It needed a
Speaker 5: new septic. You hired a company to do the septic.
Speaker 5: You said it failed inspection, Did it did the system did?
Speaker 5: They say the system was defective when it failed, and.
Speaker 2: He never put it in. So what he did was
Speaker 2: he did the excavation. He ended up laying the piping down.
Speaker 2: He never connected anything to the house. Uh, this was
Speaker 2: supposed to be a high functioning system where it was
Speaker 2: above ground connected to a pump, because I get it.
Speaker 6: Yeah yeah.
Speaker 2: And so he kept failing inspections with how he was
Speaker 2: even laying the pipe. So he failed three inspections in total,
Speaker 2: and then he kept calling them out and for unfinished work.
Speaker 15: Anyway.
Speaker 2: Wow, he kept telling me and give me the run
Speaker 2: around about that he had purchased a tank and that
Speaker 2: they were going to deliver it.
Speaker 23: That went on for over.
Speaker 2: Three months and nothing ever delivered. I finally called the supplier.
Speaker 2: They had never heard of him, They had never heard
Speaker 2: of me, my address his company.
Speaker 6: But you've met.
Speaker 5: But up to this point, you hadn't paid anything to
Speaker 5: him up to this point, right, No.
Speaker 2: No, because he was submitting draws from the HUT through
Speaker 2: the Hut inspector, who, by the way, never came in
Speaker 2: person to inspect, which is wait.
Speaker 6: Wait wait, so did HUD pay him?
Speaker 15: Yes?
Speaker 5: Wait, HUD paid him out of a loan you didn't
Speaker 5: even close on.
Speaker 6: Is something you never signed for?
Speaker 2: No? No, no, no, I closed on the house in June.
Speaker 2: Everything everything I'm talking about now happened thereafter.
Speaker 7: Okay, did they Did they hold the money and escrow
Speaker 7: after when you closed to get before that?
Speaker 21: Yeah?
Speaker 5: Apparently they did, John, That's why. That's why they made dispersements.
Speaker 5: But HUD had a responsibility or whoever was holding the
Speaker 5: money in escrow had a responsibility to inspect before giving
Speaker 5: those draws.
Speaker 15: That's right.
Speaker 2: But they didn't, so I uh.
Speaker 5: Well, how much? How much did he get paid so far?
Speaker 2: A little over forty nine thousand?
Speaker 5: Wow?
Speaker 6: Whoa whoa, whoa whoa whoa how much? Well, here's what
Speaker 6: I need to know.
Speaker 5: Did you get someone independent to look at that to
Speaker 5: say this is what is going to cost to fix?
Speaker 2: Did you mean another contractor?
Speaker 6: Yes?
Speaker 2: Yes, yeah, yeah, I had another contractor come out and
Speaker 2: give me another quote. Because nothing's done. I have visible
Speaker 2: sewage leaking. He dug a pit next to my current
Speaker 2: leach field. That leechfield is now leaking into that open pit,
Speaker 2: and I have damage to my home. I have all
Speaker 2: sorts of stuff he did with his equipment, okay, to
Speaker 2: my property.
Speaker 5: So right now, right now, this guy's been paid forty
Speaker 5: nine thousand dollars by Hudd out of your money, Yeah,
Speaker 5: for a system that never passed.
Speaker 2: Exactly and or was even in.
Speaker 5: What does HUDs say? What does HUDs say about that?
Speaker 5: About releasing that money?
Speaker 2: All I could do was make a claim and I
Speaker 2: have to wait thirty to sixty days before anything happens
Speaker 2: with them.
Speaker 5: Here's what I also need to know this he was
Speaker 5: paid forty nine grand.
Speaker 6: What was the total?
Speaker 8: So I have?
Speaker 5: In other words, what is the contract total forty.
Speaker 6: Nine of what.
Speaker 2: God, it was a little over two thousand.
Speaker 5: Oh way, so so basically he's been paid in full. Basically,
Speaker 5: basically he's been paid in full.
Speaker 7: Yes, I would try to get the title company on
Speaker 7: your side or involved, because when they closed, I mean
Speaker 7: they they're the ones who had to put the money
Speaker 7: in escrow. I would think, I.
Speaker 6: Don't understand how they release that.
Speaker 5: There are there are provisions for for for releasing money
Speaker 5: like that which calls for inspections that that HUD guy.
Speaker 6: Is going to be in trouble. Yeah, but isn't this
Speaker 6: why title insurance exists?
Speaker 8: I don't know.
Speaker 2: I'm not familiar with any of it. It's my first
Speaker 2: time buying a house.
Speaker 7: I would get title company. I think it'd probably be
Speaker 7: better than HUD directly, but just to get them on
Speaker 7: your side.
Speaker 6: Up you need all right? You're well?
Speaker 5: Okay, so right now, where does this stand? Are you
Speaker 5: living in the home?
Speaker 2: I am? Soon we're going to what hold on?
Speaker 5: Does the system Marianne? Does the system function? Or are
Speaker 5: you still using the old system because the new one
Speaker 5: hasn't been interconnected?
Speaker 2: Right right, the new one has no tank. There's no
Speaker 2: tank existing because he's so.
Speaker 6: The new one has not been to the house yet,
Speaker 6: not at all.
Speaker 2: No, so we have the old system. It works, but
Speaker 2: each field is failing.
Speaker 5: I get it, I get it. And so where does
Speaker 5: this stand right now? With this guy? Does Christopher Terry know?
Speaker 5: Does he realize that he owes you a lot of
Speaker 5: work to get it running? Or does he think he's done?
Speaker 5: What does he think?
Speaker 2: I have not heard from him. He has totally ghosted me.
Speaker 2: I have done a lot of research found out that
Speaker 2: he's done this multiple times to other people, also skipped
Speaker 2: around some different.
Speaker 6: Done what multiple times?
Speaker 4: Wait?
Speaker 6: Wait? Which part did he do multiple times?
Speaker 2: He starts projects, ruins them, doesn't do them properly, or
Speaker 2: doesn't finish them when in leaves, takes as much money
Speaker 2: as you can and.
Speaker 10: Goos, Marianne, Is this the same day and a mechanical
Speaker 10: and monument Colorado?
Speaker 7: That did you work?
Speaker 6: Can you say that again?
Speaker 2: You're a little client.
Speaker 6: Where is he out of monument monument? No?
Speaker 2: No, no, no, he is out of Centennial.
Speaker 6: He's looking up the.
Speaker 5: Different Sorry I could listen. Where did you ever talk
Speaker 5: to an attorney about this.
Speaker 2: Kind of I have a custody attorney that I was
Speaker 2: going to use you.
Speaker 5: No, no, no, no no. You don't use an attorney
Speaker 5: you're using for something else. You use an attorney who
Speaker 5: specializes in this stuff. We just talked to an attorney
Speaker 5: yesterday and how that might be able to help you,
Speaker 5: and we'll to get him on to to to We
Speaker 5: ought to get him on to give us a first
Speaker 5: blush on this. You have all your contracts and stuff.
Speaker 8: I do.
Speaker 19: Want you.
Speaker 6: I want you to at least listen.
Speaker 5: He offered to give a free consultation, initial consultation to people,
Speaker 5: and we said we would send him people. So I
Speaker 5: would like Katschina to send it over to Is it Hollington?
Speaker 5: I think it's Neil hollingback Holling one.
Speaker 7: Well, anyway, it was.
Speaker 5: Hollington, Neil, okay, would you send this over to him.
Speaker 24: I will get info from Dmitri because I just have.
Speaker 6: His phone number.
Speaker 5: And it was Neil right, it was yeah, yeah, we
Speaker 5: have it, So we're going to send you. I want
Speaker 5: you to get an initial consultation.
Speaker 7: Mary Anne.
Speaker 5: This is very complicated and it sounds up and screwed royally,
Speaker 5: so I want you to hang on and Katschina will
Speaker 5: get you that information. It's very very important we have
Speaker 5: also in the studio John clay Cima. She financial talking
Speaker 5: about conventional loans, reverse loans, and the all in one loan,
Speaker 5: which is a thirty year line of credit. If you
Speaker 5: have any questions for him, we'll come right back. Julie
Speaker 5: says her sister needs assistance. All of that coming up
Speaker 5: on the Troubleshooter Show three oh three seven to one
Speaker 5: three talk, or you can call three oh three Martino
Speaker 5: three oh three six two seven eight four sixty six.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 5: your troubleshooter three oh three seven one three talk.
Speaker 6: Seven one three eight two five five. So whose turn
Speaker 6: is it?
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Speaker 6: Now let's talk.
Speaker 5: Here's the problem. By the way, Uh, it is Julie's turn. Julie,
Speaker 5: what's going on with your sister?
Speaker 19: Hi?
Speaker 6: Julie, what's going on?
Speaker 8: Hi?
Speaker 9: I am needing a I think durable power of attorney
Speaker 9: for my sister. Sorry if I cry, but oh I.
Speaker 6: Don't want you to cry. Now tell me. Hold on,
Speaker 6: let's let's talk first. What are you trying to accomplish?
Speaker 7: First?
Speaker 6: And then we'll talk about the story. What are you
Speaker 6: trying to accomplish?
Speaker 9: So that I can speak to medical billing on her
Speaker 9: behalf and.
Speaker 5: As she was, do you want to make do you
Speaker 5: want to make healthcare decisions for her as well?
Speaker 6: Do you want to do all kinds of stuff or
Speaker 6: just or just the legal stuff.
Speaker 9: And financial and medical if needed?
Speaker 6: Legal, financial and medical? Okay, I think you might need.
Speaker 5: You might need now now, a power of attorney's the
Speaker 5: right way to go for the legal and financial. The
Speaker 5: care providers have forms for medical decisions. That's not a
Speaker 5: big deal. You can be designated by them and you
Speaker 5: don't have to go through the courts.
Speaker 6: But I want to ask something. What's going on with
Speaker 6: your sister?
Speaker 12: Now?
Speaker 6: You can tell me that part?
Speaker 9: Okay, I would say the beginning of last year, in
Speaker 9: twenty twenty four, she was friended by somebody online. And
Speaker 9: this is the most god awful scam I've ever heard of.
Speaker 5: Well, first tell me first, tell me, first, tell me something.
Speaker 5: Is your sister undergoing any treatment for anything?
Speaker 9: She is now seeing a therapist?
Speaker 5: Okay, so this is not like okay I made I'm sorry, diminished,
Speaker 5: I get that I'm not talking about that. But we're
Speaker 5: not facing a crisis right now where she's in ICU
Speaker 5: or something. So what you have is a sister making
Speaker 5: very poor decisions.
Speaker 6: This is different. I need to tell you something, Julie.
Speaker 6: This will have to go to that.
Speaker 5: This is not the same as a power of attorney
Speaker 5: and simply a healthcare designee health care decider.
Speaker 6: You can't do that.
Speaker 5: When somebody is mentally incompetent, you can't go to let's
Speaker 5: say they're with UC health.
Speaker 9: She's not mentally incompetent. She has never been declared mentally incompetent.
Speaker 9: She is slow.
Speaker 6: Here, here's what I'm saying. This is what I'm trying
Speaker 6: to get as.
Speaker 5: Julie. That is against what you're trying to do, not
Speaker 5: for it. Here's what I'm saying. With all other healthcare.
Speaker 5: I just want to get this out for those listening.
Speaker 5: For all other healthcare, all you have to do is
Speaker 5: go with your sister to the healthcare provider and she
Speaker 5: designates you as the decision maker for health. The second
Speaker 5: thing is a power of attorney, which you do with
Speaker 5: an attorney, which designates you to make decisions for legal
Speaker 5: and financial.
Speaker 6: But I must tell you.
Speaker 5: It's not to make decisions contrary to what your sister wants.
Speaker 5: It's only to be convenient. If she's not able to sign,
Speaker 5: for example, if you're not allowed to make the decisions
Speaker 5: for her. See, I think you're confusing what a durable
Speaker 5: power of attorney does and what the healthcare advocate does.
Speaker 6: They don't make They don't take the place of.
Speaker 5: The decision make her necessarily if the decision maker can say,
Speaker 5: I don't.
Speaker 6: Agree now what you are talking about?
Speaker 5: What you must do here to make a long story short,
Speaker 5: and you can tell me the story.
Speaker 6: There's a scam. I want to hear it. But you're
Speaker 6: telling me.
Speaker 5: Your sister was taking advantage of and you want to
Speaker 5: prevent that from happening. Because she's slow, you must have
Speaker 5: her declared incompetent.
Speaker 9: No, that's not what I'm trying to accomplish here. I
Speaker 9: know that I can't call her debtors on her behalf
Speaker 9: because she has a hard time articulating to people. She
Speaker 9: gets frustrated very easy, and then she just gives in
Speaker 9: to whatever they want. I'm just trying to be able
Speaker 9: to talk to them to make arrangements to pay her
Speaker 9: bills at an amount of money that she can actually afford.
Speaker 5: Well, Julie, I know what you want to do, and
Speaker 5: I'm with you, okay, But there is no legal mechanism
Speaker 5: for that. That can only be done if she says,
Speaker 5: if she says to you, I want you to help me, Julie,
Speaker 5: and I agree to go along with anything, and then
Speaker 5: she impersonates you, or you impersonate her, or you simply
Speaker 5: get on the phone with her. For example, I designate
Speaker 5: sus to talk to all of my financial people for me. Okay,
Speaker 5: I think even my Comcast and whatever, or my Exfinity,
Speaker 5: but I designate her and it's not a big deal.
Speaker 6: But she can't go against my wishes.
Speaker 5: If I said, if I called Exfinity and said, wait
Speaker 5: a minute, I don't agree with this, or if Exfinity
Speaker 5: calls me and says, hey, I know you agreed to
Speaker 5: pay this, but we're increasing it. Well, you know it's
Speaker 5: not what you want. You must for you to do
Speaker 5: what you want. And I know you don't want to
Speaker 5: hear this, but she must be incompetent. If you just
Speaker 5: want to help her, then just help her. Just get
Speaker 5: on the phone and help her and have her designate
Speaker 5: you as one of the managers of her accounts. So
Speaker 5: each credit card and each account, Susan, what does it take.
Speaker 6: We just designate you, right, what is it called? Is
Speaker 6: it called a manager?
Speaker 4: What what is called?
Speaker 6: I mean, it depends on the different entities. Tom.
Speaker 19: I mean you just share documents with me so I
Speaker 19: can get in so.
Speaker 5: In pact, but you also are designated like you can
Speaker 5: account people.
Speaker 6: Yeah, so, Julie, I think what you're trying to do
Speaker 6: is harder than you.
Speaker 9: I'm just trying to I mean, she's already given me
Speaker 9: permission to talk to her debtor of the medical bills.
Speaker 9: But are they going to want something in writing?
Speaker 5: Something like what you haven't even told me? Well, what
Speaker 5: do you mean something? Give me a specific You haven't
Speaker 5: told me what you're trying to do. You just she
Speaker 5: gave you permission to talk to them.
Speaker 6: About what.
Speaker 9: About arranging payments for her bills? These past two bills?
Speaker 6: OKAYK.
Speaker 5: Then then they're gonna want her to sign whatever settlement
Speaker 5: agreement you come up with.
Speaker 6: You can negotiate it all day long. You can say listen, yeah, yeah,
Speaker 6: go ahead. So why don't you just do that? Because Okay,
Speaker 6: I want you to think about that, because I'm not
Speaker 6: sure what look and I gotta take a break.
Speaker 5: I'm not sure what you're trying to do or why
Speaker 5: you can't do it because you have everything in place
Speaker 5: to do what you want. If she said you can
Speaker 5: talk to him, talk to him, and then when you
Speaker 5: come up with a settlement, she signs it so you
Speaker 5: don't need anything else.
Speaker 6: I'm Tom Martino. We'll talk to you right after this.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three O three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino here,
Speaker 5: I want to go back to Julie. So, Julie, do
Speaker 5: you understand what I'm saying about what you're trying to
Speaker 5: accomplish in what you need to do or if you
Speaker 5: have additional questions?
Speaker 21: Yeah, So.
Speaker 6: What do you think you're going to do?
Speaker 25: Well?
Speaker 9: I'll just call up her medical bills and make arrangements.
Speaker 5: I guess, yeah, and again I think if you're just
Speaker 5: trying to help her, now, tell me about the scam
Speaker 5: you were telling me about what happened to her.
Speaker 9: She had met somebody online and they had been corresponding
Speaker 9: back and forth for several months. This person asked her
Speaker 9: to pick up his suitcase that it got routed to Tucson,
Speaker 9: that's where she lived, and it was left at the
Speaker 9: airport and could she please pick it up and when
Speaker 9: he came through again, he would come by and get
Speaker 9: it from her. She said, okay, yeah, but she couldn't
Speaker 9: get it that day because she was working and didn't
Speaker 9: know when she was going to get off work. She
Speaker 9: said that she get the next day or two, and
Speaker 9: he told her fine. Two days later, well, she gets
Speaker 9: a text from somebody that says are you and he
Speaker 9: said her name and she said, yes, this is and
Speaker 9: he sent her a picture of a suitcase full of
Speaker 9: guns supposedly confiscated at the Tucson airport. And because she
Speaker 9: is connected to this case, she has is going to
Speaker 9: be charged with gun smuggling.
Speaker 6: Boy, that's a new one.
Speaker 5: Yeah, So what happened? I mean, did they believe that
Speaker 5: she was slow and didn't understand anything.
Speaker 9: Oh, I'm sure they did. I'm sure they did.
Speaker 5: Well.
Speaker 6: Did she get off on it?
Speaker 5: Did she get off on the charges or did they
Speaker 5: charge her?
Speaker 9: No, she was never charge This was the scam.
Speaker 6: It was all bs. They were threatening her, they were
Speaker 6: trying to shake her down.
Speaker 5: There was oh, in other words, there never really was.
Speaker 5: There never really was a scam. But did she have
Speaker 5: to pay anybody anything?
Speaker 9: They started sending her emails posing as Christopher Ray, the
Speaker 9: director of the FBI.
Speaker 6: Get it, and she started so what did it end up?
Speaker 6: Did end up?
Speaker 9: She was paying them to keep herself out of jail,
Speaker 9: out of prison?
Speaker 7: Oh my god?
Speaker 6: How much did she How much did she pay?
Speaker 9: She paid over eight thousand dollars?
Speaker 6: Oh my god.
Speaker 9: Oh no, husband's military and they were taking that every
Speaker 9: month of eleven dollars. She got so oh my god
Speaker 9: over this because she had no more money, and she
Speaker 9: tried to kill herself.
Speaker 1: God.
Speaker 12: And she was put in a mental hospital.
Speaker 9: And this is all the medical bills that I'm talking
Speaker 9: about was her state in the mental hospital.
Speaker 6: This is crazy.
Speaker 26: Oh, I moved her up.
Speaker 9: Here, you know, find this out. She was here at
Speaker 9: my house for three months before she finally told me everything, because.
Speaker 6: It's shame that they feel shame when you've been when
Speaker 6: you've been hoodwink so bad. Hey, she do you think?
Speaker 6: Let me ask you something, you know, she how much
Speaker 6: does she owe in total?
Speaker 9: About thirty two hundred dollars just.
Speaker 5: She's going to be collecting roof Wait wait, wait, her
Speaker 5: total bills are only thirty two hundred.
Speaker 9: Of all the bills because she had insurance and it
Speaker 9: covered some. But she was in the mental hospital for
Speaker 9: two weeks and her insurance only covered a week.
Speaker 5: Well, thank goodness, No, that's not I'm saying. I know
Speaker 5: that sounds like a lot of money, but I mean,
Speaker 5: you know, look, she's going to get over this right now.
Speaker 5: You just want to prevent it from happening in the future.
Speaker 6: Right, How is she doing right now?
Speaker 9: She's these creditors keep texting her and calling her and
Speaker 9: over and over and over and over.
Speaker 6: She needs to black a matter of her mind. Just
Speaker 6: tell him, just tell them to go away. Don't answer
Speaker 6: the phone to her.
Speaker 9: And she's she is going to therapy here and she
Speaker 9: has been talking to her therapist about this. But I
Speaker 9: see a change in her mentally the last few days.
Speaker 9: Of course, I'm just of course, and I don't have
Speaker 9: the money to help her pay for anything.
Speaker 5: So yeah, you know, you know, really the truth is,
Speaker 5: here's the truth. They can't take anything from her.
Speaker 21: No.
Speaker 6: And the other thing is tom medical bills. They can't
Speaker 6: even put them on the credit report like they used
Speaker 6: to be able to. I mean, eventually they can, but
Speaker 6: it won't even affect your credit. Yeah, you just have
Speaker 6: to basically tell her to block the numbers, tell them
Speaker 6: the pound sand tell them to kiss off, right right.
Speaker 5: So, I'm so sad this happened to you, and I
Speaker 5: understand why you were getting emotional, and listen, here's the deal. Ultimately, though,
Speaker 5: they can't really do anything to her, So don't go
Speaker 5: through too many you know, don't just don't bend over
Speaker 5: backwards and upset your entire life for this. They can't
Speaker 5: do anything to her, of course, they can't do anything.
Speaker 5: We're out of time. Then we're out of time. So
Speaker 5: we have more coming up, John class with us from
Speaker 5: CMG Financial for reverse loans, conventional loans, the all in
Speaker 5: one loan and more. And we have also Deputy Bone
Speaker 5: in the House, Ensues and Mark. So stick around three
Speaker 5: oh three seven one three Talks seven one, three, eight,
Speaker 5: two five five Got more coming up on The Troubleshooter Show.
Speaker 5: Go with a sure Thing Denver's Best Roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Leave time for an insurance check up free, no obligation
Speaker 5: comparison call Compass Insurance paying too much your coverage at
Speaker 5: dozens of insurance companies find out now three oh three
Speaker 5: seven seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real Estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two.
Speaker 1: Ript News need advice so you don't have.
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Speaker 6: the air. Pass it out to your friends. We go
Speaker 6: after people that ripped you off. You got a bad
Speaker 6: contractor you got a landlord trying to put the screws
Speaker 6: to you, you name it. That is why we exist.
Speaker 6: You understand what I'm saying. That is why this team exists.
Speaker 6: Three zero three Martino. Help at troubleshooter dot com in
Speaker 6: studio with me, John Clays, how are you doing today, man,
Speaker 6: CMG Financial.
Speaker 7: I'm good, Mark, Thank you for having me here today.
Speaker 6: This one is going to drive you insane. But I
Speaker 6: want your first blush at what's going on with it. Okay,
Speaker 6: this guy called in a couple of weeks ago, and
Speaker 6: people have been dying for an update on this, so
Speaker 6: I wanted to get Tarzan on. His real name's not Tarzan,
Speaker 6: but I'm going to give you what happened. And the
Speaker 6: reason I'm bringing John in for people listening is John
Speaker 6: is a CMG Financial does every form of home loan.
Speaker 6: You can imagine, there are go to experts. These guys
Speaker 6: do reverse mortgages, they do ten year, fifteen, twenty year mortgages,
Speaker 6: thirty year mortgages, they do the all in one loan.
Speaker 6: And we'll talk about that stuff. But how many closings
Speaker 6: have you been to in your life?
Speaker 15: John?
Speaker 6: If you had to guess one hundred, two hundred thousand.
Speaker 7: Couple hundred five, maybe say so.
Speaker 6: Tarzan and let me bring them up. This story's crazy, Tarzan.
Speaker 6: And it was probably about two weeks ago, three weeks
Speaker 6: ago on a Friday. It was before Martin Luther King
Speaker 6: on that Monday, So we're talking to three weeks ago, Tarzan.
Speaker 6: You had a closing with the title company in Nebraska.
Speaker 6: You showed up and everybody signed everything and they handed
Speaker 6: the person, the woman the keys, congratulated everybody on the closing,
Speaker 6: and you went home. Am I correct?
Speaker 15: So far.
Speaker 6: Cars An?
Speaker 8: So I did? I did that via DOCU signed.
Speaker 6: That's you're right.
Speaker 8: The closing was over. They said, congratulations, will have the one.
Speaker 8: We'll have the funds transferred to you. On Tuesday, after.
Speaker 6: Martin Luther King's got so they sent him they sent
Speaker 6: him an email because they closed on Friday and it
Speaker 6: was after four o'clock. They said, we're not going to
Speaker 6: have the funds to you till Tuesday because we can't
Speaker 6: wire because of the holiday on Monday. So you'll have
Speaker 6: the funds Tuesday. The closing company, the title company, John
Speaker 6: already had the funds from the buyer. Right, you follow me?
Speaker 7: Yep?
Speaker 6: So what's the next thing that happened? Tarzan? And for
Speaker 6: anybody out there buying the house or thinking of using
Speaker 6: this particular title company, I want you to pay attention
Speaker 6: to the next thing he gets.
Speaker 7: What was it?
Speaker 2: Okay?
Speaker 8: So this is where it becomes a legality standpoint right,
Speaker 8: And this is what I don't know in my head.
Speaker 6: That house is gone.
Speaker 8: My funds will be transferred on Tuesday.
Speaker 6: Well, she had the keys, right, I mean huh y
Speaker 6: Not only did she have the keys, I would contend
Speaker 6: you're not even allowed in that house anymore.
Speaker 8: You don't own it, right, And so I mean the
Speaker 8: keys is technically there's a keypad on the door. So
Speaker 8: but they gave him the code. They gave her the
Speaker 8: code to get in, Okay, So she goes in and
Speaker 8: this is like, seriously a one in a million shot,
Speaker 8: because if all this happens eight days later, I'm this
Speaker 8: doesn't matter. We're not having this conversation.
Speaker 6: No, if it wasn't the weekend of Mark Luther, her King,
Speaker 6: or if you closed before four o'clock.
Speaker 22: None know where this would have happened, right, And so
Speaker 22: when she goes in, she's now the new owner of
Speaker 22: the house in my head, and there was that giant
Speaker 22: cold snap across the United States of.
Speaker 6: America, iride, trust me. I was in Washington, d C.
Speaker 6: And it was cold as hell, and right here in Colorado,
Speaker 6: in Franktown, it was negative ten, right.
Speaker 8: And so she goes in and the furnaces out, and
Speaker 8: what she thinks in her head is the pipes are frozen,
Speaker 8: which is probably technical technically correct, but.
Speaker 6: They didn't burst.
Speaker 8: No, I mean the water was not even running to
Speaker 8: the house. I was going to get to that that
Speaker 8: Tuesday once I got the money, okay. And so she
Speaker 8: panics because what did she say? This is stressful, overwhelming,
Speaker 8: I can't deal with all this. And so I just
Speaker 8: told her, I'm like, listen, give me four days. All
Speaker 8: this will be fixed.
Speaker 6: It's going to be I don't even know why you
Speaker 6: would say any of this. I'd be like, you bought
Speaker 6: the house, didn't she get the hustle?
Speaker 8: I did, But I'm you know, I'm a Nebrasa guy,
Speaker 8: and you know we tend to be really trustworthy.
Speaker 6: Yeah, so that's fine, But go to the next step.
Speaker 6: What did you get from your title company?
Speaker 8: And so the next step was is that they send
Speaker 8: me an email and they tell me that they have
Speaker 8: rescinded the loan.
Speaker 6: They said, now listen to this, John. They said, the
Speaker 6: lender rescinded the loan and they want a title company
Speaker 6: to wire the money back to the lender.
Speaker 5: Yeah.
Speaker 8: What I said is like, you can't do that.
Speaker 6: It's over, it's closed. Let's see. I want to know
Speaker 6: what John, and then we're going to go to the
Speaker 6: update on it with you, Tarzan. But John, just thinking
Speaker 6: of everything you just heard and let's say everything's gospel.
Speaker 6: Have you, first of all, ever heard of anything like
Speaker 6: this happening not.
Speaker 7: After the purchase, because it's a purchase, and once you
Speaker 7: give the keys, it's your conveying ownership to that. I
Speaker 7: don't own it anymore, you're conveying the ownership. I'm wondering
Speaker 7: in Nebraska what it is is when they if they
Speaker 7: ever recorded the new loan the title company, I don't
Speaker 7: say so.
Speaker 8: So what's his name Brad O'Brien. He talked, is that
Speaker 8: his name?
Speaker 6: Yeah, he's our attorney here in Colorado.
Speaker 8: But keep going, yeah, yeah, yeah, but he he looked
Speaker 8: up the statutes of Nebraska and he says they are
Speaker 8: weaker or less stringent in Nebraska than they are in Colorado.
Speaker 8: And he told me I one percent have a case.
Speaker 6: Yeah, so that's an attorney here. Since then, you've hired
Speaker 6: an attorney in Omaha, right, yeah, and you had an
Speaker 6: update with him today. What are you guys going to do?
Speaker 8: Yeah? So the old attorney was a referral from a
Speaker 8: person from western Nebraska. Mark, And I think I heard
Speaker 8: you saying on the YouTube Old Boys the Good it's
Speaker 8: the good old Boys Club and what kind of is.
Speaker 6: So there's a little town in Nebraska, hold on, just
Speaker 6: a little side story not long ago, in Nebraska, Scott's Bluff.
Speaker 6: It's like ten thousand people, maybe fifteen with the other town.
Speaker 6: I hired a realtor. I was looking at some property there.
Speaker 6: I made an offer, a cash deal on this duplex,
Speaker 6: brand new duplex that had been sitting on the market
Speaker 6: for a while. And what I came to find out
Speaker 6: is every realtor, every title company, every lender in town
Speaker 6: knows each other, and I was the setup and I
Speaker 6: got the hell out of there. John, I'm not kidding.
Speaker 6: They all knew each other when they When I told her,
Speaker 6: meaning my realtor, how I wanted her to negotiate, let
Speaker 6: me tell you something, she didn't listen to a word
Speaker 6: I said. I said, you're going to make a cash offer.
Speaker 6: You're going to say, here's one hundred grand, we'll put
Speaker 6: in nscro tomorrow. You got twenty four hours to make it.
Speaker 6: I told her exactly what to do, and none of
Speaker 6: it worked out because they're all in kohots. Every damn
Speaker 6: one of them's in cohoots out there. So yeah, so
Speaker 6: the one, the first attorney you hired, Tars Tarzan, knew
Speaker 6: all these this title company right.
Speaker 8: You basically hit it right on the head. So it
Speaker 8: was a referral from a buddy of mine from western Nebraska.
Speaker 8: The town that I'm from is Alliance, which is much
Speaker 8: smaller than Scott's Bluff. Wow, Like there's like nine thousand
Speaker 8: people there. And I felt during the conference call, to
Speaker 8: be honest with you, is that we were all trying
Speaker 8: to come together in a Kumbaya moment to try and
Speaker 8: find the best solution as a team, which is.
Speaker 6: The worst solution for You're all yes, because they're all
Speaker 6: in kohoots. I'm telling you, these little towns like that
Speaker 6: are crooked as hell, man, they really are. They're all crooked.
Speaker 6: I mean, you know, you can look at it this way.
Speaker 6: They're looking out for themselves. Tarzan hold on, I got
Speaker 6: to take a break when we come back way to
Speaker 6: you hear where it is now he can that attorney,
Speaker 6: in fact, I'll let him tell the story. And then
Speaker 6: he hired an attorney in Nebraska, but in a big down.
Speaker 6: Who's never met this title company? And it's a crazy update.
Speaker 6: By the way, Pat's got an issue with grease Monkey.
Speaker 6: They're kind of uh, they've been on my radar. A
Speaker 6: little bit later and then a separation agreement with an employee.
Speaker 5: Those can be tricky.
Speaker 6: Donna, hold on, we don't want you getting yourself into
Speaker 6: a bind.
Speaker 5: Go with a sure thing Denver's best roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're content
Speaker 5: than time for an insurance check up free no obligation.
Speaker 5: In comparison, call Compass insurance paying too much your coverage
Speaker 5: at dozens of insurance companies.
Speaker 6: Find out now three oh three, seven to seven to
Speaker 6: one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two.
Speaker 6: Try three oh three seven one three A two five five.
Speaker 6: We goidelines full right now, but that number works on
Speaker 6: and off the air. Three oh three, Martino, I'm gonna
Speaker 6: have Tarzan finish up with this update. It's crazy. But
Speaker 6: Tom happened to text? And what did he text you?
Speaker 21: So?
Speaker 6: Tom tends to run a little late on his commercial spots.
Speaker 6: So we talked about this today because during the first
Speaker 6: two hours of the show, we're networked with other people
Speaker 6: besides iHeart, so we send the signal. When we go
Speaker 6: to break, they insert their own commercials, but we do
Speaker 6: live spots and Tom's usually, you know, late on his
Speaker 6: live spots. And I told him I'm always pretty much
Speaker 6: perfect on mine. When did he text? So he texted
Speaker 6: that was overtime, lolh. The difference is of first two
Speaker 6: hours or networked, meaning it matters. Now it doesn't matter,
Speaker 6: so I intentionally go over to help out the client.
Speaker 6: I mean, I can't put it any other way.
Speaker 5: Tom.
Speaker 6: So what Dragon was suggesting is every morning, you sit
Speaker 6: down before the show and you'll do what we'll refer
Speaker 6: to as like lives. So if you have twenty commercials
Speaker 6: before the show, you'll sit down every morning, every single
Speaker 6: morning and cut twenty different commercials and then Dragon and
Speaker 6: Shannon will insert them. But we'll talk about that later, Tom.
Speaker 6: Now let's finish this up because this story's crazy. So, Tarzan,
Speaker 6: you you fired that attorney basically because you started going, Okay,
Speaker 6: this guy's in Cahoo's right.
Speaker 8: Yeah, they were. They were trying to come together as
Speaker 8: a whole.
Speaker 6: Yeah, tried and find the best and all you wanted
Speaker 6: was the money.
Speaker 8: Yeah, exactly.
Speaker 6: So basically you hired a new attorney. He's looked over
Speaker 6: all the evidence, all the emails saying congratulation on your closing.
Speaker 6: We're gonna wire you the money. Oh we wired them
Speaker 6: the money back you've got. He's looked over everything, and
Speaker 6: what does he think or she I'm not sure?
Speaker 8: Uh, it's a heat He one hundred percent says I
Speaker 8: have a case.
Speaker 2: Now.
Speaker 8: Naturally, when you transition from western Nebraska to eastern Nebraska, Yep,
Speaker 8: it's gonna take It's gonna take a little bit longer
Speaker 8: for these guys to get going. But his communicat's been great.
Speaker 8: He says, I have a case, and that's where we.
Speaker 6: Are right now. I absolutely love it.
Speaker 8: Man.
Speaker 6: Let us know what's going to happen, though. It's going
Speaker 6: to be the damages because you have it listed up again.
Speaker 6: So if you sell it for less, they'll still be
Speaker 6: easy to figure out. For the title insurance, if you
Speaker 6: only sell it for one fifty, they're going to owe you,
Speaker 6: in my opinion that fifteen sixteen grand or whatever the
Speaker 6: difference is. But I think they also you interest on
Speaker 6: that money to your reclaim it. But a good attorney
Speaker 6: is going to figure out every bit of damages you have.
Speaker 6: I think the money you put into the pipes, or
Speaker 6: the money you put into the furnace, they're going to
Speaker 6: have to recoup as well. I think you've got plenty
Speaker 6: of damages. Then they're going to have to pay attorneys fees.
Speaker 6: I think that title company is insane. Mark.
Speaker 8: Why can't I get that entire purchase price back from
Speaker 8: the title Insurance.
Speaker 6: Well, if you don't, well, the only reason I said
Speaker 6: that Tarzan is you said you have a backup for sale.
Speaker 15: Now.
Speaker 6: If you sell it now, you're limiting your damages.
Speaker 5: If you don't sell it, they could very well have
Speaker 5: to buy the entire thing.
Speaker 6: I mean, it all depends on what you do. But man,
Speaker 6: please keep us informed on this. I think it's crazy, honestly,
Speaker 6: and I'll ask our expert again, John was CMG Financial.
Speaker 6: I have bought and sold a lot of properties. I
Speaker 6: have never left a closing without it being a closing ever,
Speaker 6: And that's what they're saying.
Speaker 7: Especially if they gave the keys. That's the crazy part.
Speaker 6: It has done. It's over. They emailed them both, going
Speaker 6: congratulations on your closing.
Speaker 7: Yeah, I mean that todd of company had the money
Speaker 7: in their account.
Speaker 6: They acknowledged they did. Because they acknowledge they sent it back.
Speaker 7: So I mean it should be a pretty easy occasion.
Speaker 6: Guess guess who knew Guess who knew the lender very well,
Speaker 6: the title company company.
Speaker 7: And yeah, you could probably even get days of rents
Speaker 7: or missing out.
Speaker 6: Oh yeah, think of all the rent you could have charged, Tarzan,
Speaker 6: you got to beat that attorney up. A good attorney's
Speaker 6: going to think of all this, but all the money
Speaker 6: you missed whatever the money you missed because of this
Speaker 6: plus interest is what they owe you. And in my opinion,
Speaker 6: I would also say attorney's fees. I mean, honestly, And
Speaker 6: here's the nice part, Tarzan, It's not like they have
Speaker 6: to come out of pocket. They're a title company. They
Speaker 6: have one insurance and this is an error in my opinion.
Speaker 6: So Tarzan, keep us informed and thank you for the update.
Speaker 8: Man, did I ask you one question?
Speaker 6: Go ahead?
Speaker 8: What if I listened it for fourteen thousand dollars more
Speaker 8: and you sold it for fourteen more?
Speaker 6: No, but I think I can Well, if you sold
Speaker 6: it for fourteen more, you would have to take whatever
Speaker 6: the title company owes you the full amount, and then
Speaker 6: have damages that are higher than that fourteen thousand dollars.
Speaker 6: I think with interest, rent and some other stuff, you
Speaker 6: might be able to get there. But I mean that's
Speaker 6: that's math. I mean literally, that's math. You got to
Speaker 6: calculate the damages. But they should be buying it for
Speaker 6: that price. If you can't sell it for that price
Speaker 6: or sell it for less, they need to make up
Speaker 6: the difference. Quite frankly, plus all your other damages, all
Speaker 6: the repairs, all the time, everything, If you had to
Speaker 6: get a hotel there anything, man.
Speaker 8: So well, I mean I spent one thousand or thirteen
Speaker 8: hundred dollars on the furnace to get that fix. What
Speaker 8: should have been the old owners.
Speaker 6: It should relisted.
Speaker 8: I've relisted it for one hundred and seventy seven thousand.
Speaker 8: I get it. It's gonna take it's gonna take a
Speaker 8: while to sell.
Speaker 6: Like that's the attorney is going to calculate all that, Tarzan,
Speaker 6: you are gonna have damages. If you get seventeen thousand more,
Speaker 6: arguably you're still gonna have damages, but that is going
Speaker 6: to bring them down a little.
Speaker 8: So there's no there's no way that I can have
Speaker 8: a title insurance company pay for that closing price of
Speaker 8: one sixty three five.
Speaker 6: They should be because they should have sent you that money.
Speaker 6: But that's what the attorney's for. I'm telling you again, Tarzan,
Speaker 6: if you can't sell that house now, I find it
Speaker 6: in saying that they don't have to buy it for
Speaker 6: that amount of money. I just find it insane. John,
Speaker 6: I mean, you've dealt with title insurance before. Just an
Speaker 6: opinion on it. I know it's not a legal opinion,
Speaker 6: but what really, how do you think they would make
Speaker 6: this right.
Speaker 7: Title company will will settle, pay attorney fees, or they'll
Speaker 7: they'll make sure you're your your whole.
Speaker 6: Yeah, you paid them, you paid them. Here's here's what
Speaker 6: kills me. He literally paid them for weird crap that
Speaker 6: happens like this, and they caused it.
Speaker 7: Yeah, I mean title companies. I'm pretty sure you'll get settled.
Speaker 6: Let's free him up there, and then if anybody out
Speaker 6: there works for a title company, big or small, I
Speaker 6: would love to hear your thoughts on it. One line open,
Speaker 6: three oh three Martino, Now real quick, Hey, Pat, what's
Speaker 6: going on with grease monkey? I got I gotta take
Speaker 6: this break, but I want to think about your problem.
Speaker 6: What happened?
Speaker 2: Okay?
Speaker 12: Yes, hi Tom, thank you for having me on. So
Speaker 12: my husband took our truck, our two thousand and six
Speaker 12: Toyota tundra to grace monkeys in Long ran for in
Speaker 12: a while change okay, and ten twenty twenty four and
Speaker 12: about February first he heard He came home and said
Speaker 12: he heard a noise. He usually drive it because I
Speaker 12: have muscular dystrophe.
Speaker 6: And hey, hey, hey Pat, what kind of noise was
Speaker 6: it like? Describe it?
Speaker 12: Well, he said it was a noise he'd never heard before. Doug,
Speaker 12: are you here?
Speaker 15: Yeah?
Speaker 12: Oh, thank you?
Speaker 5: Yeah?
Speaker 6: Like what did it sound like?
Speaker 21: Not?
Speaker 6: Ultimately, what is it? I'd like to know what it
Speaker 6: sounded like, like brakes or like an engine. This was
Speaker 6: four months later, hurdling like it sounds like possibly overheating.
Speaker 6: Hold on, I want to figure out what happened. My goodness,
Speaker 6: I hope it didn't overheat. And basically it needs it
Speaker 6: engine or something. We're gonna find out and then Donna
Speaker 6: and Sherry, you'll be up next. One line open, three
Speaker 6: oh three, Martino.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one.
Speaker 6: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two.
Speaker 4: All right three o.
Speaker 6: Three seven one three eight two five five one line open,
Speaker 6: three oh three, Martino, I'm gonna go right back to pad.
Speaker 6: Here's the bottom line. October twenty second, twenty twenty four.
Speaker 6: They bring their truck in to grease Monkey and now
Speaker 6: we're skipping all the way to February. That's a lot
Speaker 6: of months and possibly a lot of miles. You guys
Speaker 6: start hearing a noise that was kind of like a
Speaker 6: gurgling sound. Did you guys get it checked out?
Speaker 15: Pat?
Speaker 6: And what was the noise?
Speaker 21: Well, he told me he came in and said he
Speaker 21: heard a noise, a gurgling noise he hadn't heard before.
Speaker 21: And it's like, I'll take it in or I'll listen
Speaker 21: for it in the future. The next day he went
Speaker 21: to pay rent and when he came out of the office,
Speaker 21: he noticed some liquid under the front of the truck.
Speaker 21: Also it was, oh, it might be the car that
Speaker 21: bos parked there previously.
Speaker 6: Oh but the next day, but all but all grease
Speaker 6: Monkey did. I want to interrupt real quick to make
Speaker 6: sure I'm right. But all grease Monkey did was an
Speaker 6: oil change and then probably top off the fluids.
Speaker 12: Yeah, okay, they I'm going to let my husband tell
Speaker 12: you because.
Speaker 6: Put him on no problem. What's his name?
Speaker 5: Hello?
Speaker 6: What's your name?
Speaker 8: Man?
Speaker 6: Anyway, I'm Doug Doug. So, so what did you find out?
Speaker 6: What happened?
Speaker 26: Okay?
Speaker 25: Well, long story shirt short. As I went out the
Speaker 25: next morning to get my truck to go to the store,
Speaker 25: and there was like a huge puddle of oil underneath
Speaker 25: the truck.
Speaker 6: Oil.
Speaker 25: So I popped the hood.
Speaker 7: I looked.
Speaker 25: I couldn't tell where it was coming from. So I
Speaker 25: took it to Grease Monkey because it was it was How.
Speaker 6: Low on oil was it?
Speaker 12: Though?
Speaker 6: I mean, did you put oil in it was?
Speaker 25: There was nothing on the dipsticks.
Speaker 6: Why would you drive to.
Speaker 8: Well?
Speaker 25: I didn't know until the next morning when I went
Speaker 25: out to go to the store. And Grease Monkey is
Speaker 25: only like a block.
Speaker 6: From my house, all right, So you drove it up there?
Speaker 15: Yeah, I did.
Speaker 25: And they pulled it in in the bay and they
Speaker 25: went and checked everything, and they said it wasn't wasn't
Speaker 25: there a thing, And they said it was a blown
Speaker 25: head gasket. And he said, I'll put six quarts oil
Speaker 25: in it and that'll get you home or get you
Speaker 25: to a mechanic Well, about a mile and a half
Speaker 25: down the road is an automotive place. I took it
Speaker 25: there and it just poured oil all the way there.
Speaker 6: Where did they say it was leaking?
Speaker 25: Well, they charged me two hundred and five dollars to
Speaker 25: do it diagnostic, and they called me up and said,
Speaker 25: what the problem was is the oil filter was double gasketed.
Speaker 6: I knew you was going to say that. I swear
Speaker 6: to God, I knew they were going to say it,
Speaker 6: and you're saying, now here's what I got to know.
Speaker 6: When you brought it back to Jiffy Lube and they
Speaker 6: put oil in it, and then you drove it over there,
Speaker 6: did they put a new filter on it? Veryce Monkey? Yeah,
Speaker 6: grease Monkey. I'm sorry, You're right, Grease Monkey. Did they
Speaker 6: put a new filter on it?
Speaker 25: No, they did the work at the mechanics that I
Speaker 25: took it to.
Speaker 6: No, but hold on, Doug, this is important. I understand everything,
Speaker 6: and I understand. Then you drove it back to Grease Monkey.
Speaker 6: When you brought it there, you said they put oil
Speaker 6: in it so you could get somewhere else. Is that correct? Yes,
Speaker 6: when they put oil.
Speaker 25: In he when he pulled it out of the bay,
Speaker 25: it was just pouring out like.
Speaker 6: A garden host. When you left, Grease monkey. Yes, did
Speaker 6: they put a new oil filter on?
Speaker 8: Then?
Speaker 15: No, they did not.
Speaker 6: Okay, thank you, that's me. Well they didn't even put
Speaker 6: it up in the air. No they didn't.
Speaker 25: They just drove it in and they got a pit.
Speaker 25: He went down and checked the oil filter and the
Speaker 25: dream plug.
Speaker 15: I got it.
Speaker 6: Now, now hold on, hold on, hold on. I want
Speaker 6: to ask you this now, Doug. So you brought it
Speaker 6: to the other place. You paid two hundred and fifty
Speaker 6: for the diagnostic. They figured out it was double gasketed
Speaker 6: on the oil filter. And let me tell you, I
Speaker 6: owned five good years around town for a long time.
Speaker 6: Bubble gaskets happened. We all try to make sure they don't.
Speaker 6: But what happens is on an oil filter, you have
Speaker 6: a ring going around the gasket and you tighten it
Speaker 6: up against the metal. If you take the old filter
Speaker 6: off in that rubber ring stuck up there and you
Speaker 6: didn't check for it, then you put the new one on.
Speaker 6: Eventually those two seals, because they're both rubber, will let
Speaker 6: oil out and it can blow out of there quick.
Speaker 6: It can do it really quickly, like that same day,
Speaker 6: or it can do it later in time. It can
Speaker 6: get worse and your seem to get six and fifty miles.
Speaker 5: Yeah.
Speaker 6: So, but here's what I want to know. So they
Speaker 6: charged you two hundred and fifty bucks. What else did
Speaker 6: they charge you? Did they do a new oil filter
Speaker 6: and everything's good now?
Speaker 21: Yep, yep.
Speaker 25: So the total they did the oil filter and put
Speaker 25: new oil in it, and the total bill was two
Speaker 25: hundred and eighty five dollars and it works fine?
Speaker 8: Now?
Speaker 25: Why because yeah, it's seems to be fine.
Speaker 6: All right, get Kevin talking on. I just want to
Speaker 6: make sure on something. But i'll tell you right now,
Speaker 6: if everything you're saying is correct, I think Grease Monkey's
Speaker 6: lucky as hell. I think they should be paying that
Speaker 6: two hundred and eighty five bucks. And I guess that's
Speaker 6: why you're calling.
Speaker 25: Right, yes, and he goes. I went back to Grease
Speaker 25: Monkey and I went in and I talked to the manager.
Speaker 6: And he just like, I didn't do it. You know what,
Speaker 6: he's an ass?
Speaker 8: Well you know what, I hate people? Yeah, he is.
Speaker 6: He's an ass. And I'll tell you what I can
Speaker 6: just it's an opinion of mine, but he's an ass.
Speaker 6: And I wish I could finish that word, but Dragon
Speaker 6: won't let me So here's the bottom line, Kelly, I
Speaker 6: want you to call these grease monkey people and try
Speaker 6: to get this managers on. What was the guy's name, Doug.
Speaker 6: This is They should be so thankful he was.
Speaker 25: He was very rude and just like he didn't want
Speaker 25: to talk to me.
Speaker 6: Yeah, I get it, you know what. They should be
Speaker 6: so damn thankful that they're not buying an engine at
Speaker 6: this point.
Speaker 19: Shouldn't they have given grease Monkey chance to fix the
Speaker 19: issue before taking it to another shop.
Speaker 6: He brought it there, they put oil in it and
Speaker 6: said we didn't do anything. No, they did the typical
Speaker 6: in my opinion, Look, grease monkey, hold on, hold on,
Speaker 6: Doug and Pat, give Kelly that number. I want to
Speaker 6: get freaking these people on. I really want them to
Speaker 6: come on, Kelly. When you really put on the sweet talk,
Speaker 6: we can generally get a business on. If not, I'm
Speaker 6: just gonna light them up because I'm sick and tired
Speaker 6: of shops and I don't care if it's a deal
Speaker 6: in Doug store, I don't care. If it's any dealer
Speaker 6: out there, I don't care if it's a grease monkey
Speaker 6: at Jiffy Lub a good Year, I don't care what
Speaker 6: it is, but I'll tell you this, I am sick
Speaker 6: and tired of responses like that. All this guy had
Speaker 6: to do was check for a double.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: all three nine two zero sixteen twenty two.
Speaker 6: Man, I'm getting sick and tired of places at.
Speaker 8: You know what.
Speaker 6: The whole new go to move, the whole new go
Speaker 6: to in the auto repair industry is it wasn't me,
Speaker 6: wasn't me, wasn't me, wasn't me. That's what happens, and
Speaker 6: it's getting ridiculous. It doesn't matter once again, if it's
Speaker 6: a dealership. We've had some of the best dealerships that
Speaker 6: have we've never had complaints on start getting complaints because
Speaker 6: they're hiring people that simply don't know what they're doing. Now,
Speaker 6: hiring someone that can't do an oil change is crazy.
Speaker 6: But once again, like I was telling everybody Kevin Cokin
Speaker 6: shared in auto Tech, when I had my good years,
Speaker 6: we had double gaskets on oil film. My god, we
Speaker 6: might do a thousand oil changes a week. Of course,
Speaker 6: we're going to mess up at some point, But but
Speaker 6: I mean, how many times does it happen to you?
Speaker 13: Very infrequent because I don't hire younger mechanics. Most of
Speaker 13: my mechanics are ten years plus.
Speaker 6: Yeah, they're not you iffy load people. No, So did
Speaker 6: you hear the story? Were you listening?
Speaker 21: No?
Speaker 13: Unfortunately I wasn't.
Speaker 6: So listen to this, and you tell me if I'm
Speaker 6: flawed in this. So Doug goes to Grease Monkey on
Speaker 6: October twenty second, twenty twenty four. On February first, he
Speaker 6: notices oil dripping. He brings it back there. It's everywhere.
Speaker 6: When I say notice is it? I mean it's way
Speaker 6: under his car. We're talking a puddle. At this point.
Speaker 6: He drives one block to the Grease Monkey. They look
Speaker 6: at it, they say, it's nothing we did wrong. But
Speaker 6: we're going to fill it up with oil so you
Speaker 6: can drive it somewhere to get checked. So they put
Speaker 6: how many courts, Doug, how many quarts did a grease
Speaker 6: monkey tell you they put in it?
Speaker 25: He said that he puts six courts.
Speaker 6: So he puts six courts in it. This guy drives
Speaker 6: a couple of blocks to a repair shop and he
Speaker 6: ends up paying two hundred and eighty five bucks for
Speaker 6: the diagnostic. And guess what it was. It was the
Speaker 6: dang oil filter. That's all it was. It was double gasketed.
Speaker 6: So first of all, is it possible for a double
Speaker 6: gasket not the leak or barely leak and then all
Speaker 6: of a sudden leaked like a sieve in three months?
Speaker 6: Oh my goodness, get Kevin back up. I don't even
Speaker 6: I don't think I hung up on him. I mean,
Speaker 6: anything's possible.
Speaker 21: Is it?
Speaker 6: Maybe Tom hung up on him remotely? I'm not sure
Speaker 6: we're gonna get Kevin right back up.
Speaker 25: That sounds like his m Yeah, look rude. He was
Speaker 25: very rude to me when I was in there. He
Speaker 25: didn't want to give me number to corporate or anything.
Speaker 25: All he said is I didn't know know?
Speaker 6: Is Kevin back up?
Speaker 7: Though?
Speaker 6: Hey, Kevin, I'm sorry. Hold on, Doug, Doug, hold one, Hey,
Speaker 6: sorry about that, bro so so go ahead, double gasket
Speaker 6: three months later and then finally that air seats and
Speaker 6: boom it blows it out. Yeah yeah, Kevin, your thoughts.
Speaker 13: That's a long time ago to double gasket. They don't
Speaker 13: how many.
Speaker 6: Miles, Doug.
Speaker 21: It was.
Speaker 25: I figured it was six hundred and seventy six miles
Speaker 25: from when they.
Speaker 6: I got it, six hundred and seventy six, Kevin.
Speaker 25: They took when they serviced it.
Speaker 6: What the miles Doug, I get it, six hundred and
Speaker 6: seventy six miles, I understand fully, Kevin. Six hundred and
Speaker 6: seventy six miles later.
Speaker 13: Yeah, possible, Yeah, okay, but you know it shouldn't have
Speaker 13: been driven. If it was that much of a league, well,
Speaker 13: that would.
Speaker 20: Be my contention.
Speaker 6: And Doug, well, here's the deal. Though there's no engine damage.
Speaker 6: All it took was the oil filter. Doug's not asking
Speaker 6: for anything. Besides, they pay the two hundred and eighty
Speaker 6: five bucks, and he actually are already brought it back
Speaker 6: to him. I mean, if he's telling the truth, here's
Speaker 6: what I want you to think of, Kevin. He gets
Speaker 6: the oil change. Six hundred miles later, it starts leaking
Speaker 6: like a sieve. He brings it back to where he
Speaker 6: got the oil change, Jiffy Lube. They say they put
Speaker 6: six courts in it but did nothing wrong. He brings
Speaker 6: it directly to another shop after leaving Jiffy Lube right away, right, Doug.
Speaker 12: Coming down.
Speaker 6: Yeah, yeah, I'm sorry. I keep and I apologize to
Speaker 6: Jiffy Lube. I apologize, honest to God, I keep getting
Speaker 6: a mixed up. I get it. So, but anyhow, you
Speaker 6: drive it from grease Monkey and basically drive how far
Speaker 6: to the repair shop that diagnosed it. So he drives
Speaker 6: it a mile away, Kevin GE's squirting oil everywhere at
Speaker 6: this point, and then they undo it, find the double gasket,
Speaker 6: charge him for an oil change, in a diagnostic and
Speaker 6: everything's fine. The truck's fine, it's running fine, everything else.
Speaker 6: So if it wasn't a double gasket from the start,
Speaker 6: and Doug's not a liar, what else would it be.
Speaker 13: I mean, that's that's all it could be. If they
Speaker 13: fixed it that easily, sure, that's it. It's them the
Speaker 13: opportunity first, you know, he didn't go to the repair
Speaker 13: shop first. He went back to them exactly the opportunity.
Speaker 6: To fix it, and those morons not only not only
Speaker 6: did they put six courts of oil in it and
Speaker 6: say that we did nothing wrong. They let them leave
Speaker 6: with oil just pouring out of that thing. Instead of
Speaker 6: telling him to get a toad or anything.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: all three nine to zero sixteen twenty two.
Speaker 1: Ripped of news, you don't have.
Speaker 4: Come in just as fast as we do.
Speaker 1: A shooter's gonna help.
Speaker 3: Come man, This is the Troubleshooter Show Now Tom Martinez, Welcome, Welcome.
Speaker 6: My friends to the only show of this guy. We're
Speaker 6: here to solve problems, answer questions, uh take complaints. Our
Speaker 6: goal in life, of course, is to retrieve money for you.
Speaker 6: We had one from Doug and Pat last hour with
Speaker 6: a grease Monkey, and I apologize again to a Jiffy Lube.
Speaker 6: I've used that name too many times. One of my
Speaker 6: good years had a Jiffy Loop next to it that
Speaker 6: I was in a war with for a little bit,
Speaker 6: so it kind of comes back. But grease Monkey didn't
Speaker 6: oil change. A double gasketed the freaking oil filter six
Speaker 6: hundred miles later, oils everywhere. The engines find everything's fine,
Speaker 6: but this guy was charged by another shop to diagnose
Speaker 6: it and do a full blown oil change rightfully. So
Speaker 6: two hundred and eighty five bucks. It's my contention grease
Speaker 6: Monkey should have a big smile on their face and
Speaker 6: basically write them a check for two hundred and eighty
Speaker 6: five bucks and be thankful they're not buying him an engine.
Speaker 6: I had Kelly call up, and Kelly real quick to recap.
Speaker 6: What did they say when you called up to grease
Speaker 6: Monkey and listen to this. This is amazing out there.
Speaker 6: When you pull into grease Monkey, remember you might be
Speaker 6: pulling into this one. Go ahead.
Speaker 21: Yeah.
Speaker 24: So the original manager that I believe Doug and Pat
Speaker 24: dealt with was fired, was fired and so they have
Speaker 24: an interim manager, but they also lost a bunch of employees,
Speaker 24: so he is the only person working right there.
Speaker 6: So this poor sat one person show. Yeah, so this
Speaker 6: poor sap is working the front, answering the phone and
Speaker 6: doing oil changes in the back. I wouldn't bring my
Speaker 6: car there in a million years. I simply wouldn't. Hey,
Speaker 6: real quick, Doug, what location is this?
Speaker 25: It's twenty three thirty four North Main Street where the
Speaker 25: Long Mind or where Yeah, long Lint, Colorado.
Speaker 6: So Main Street, Long Mind, Colorado, That grease monkey. I
Speaker 6: would in touch with the ten football. We know there's
Speaker 6: only one person working there, which is just insane to
Speaker 6: think about.
Speaker 2: That's not true.
Speaker 25: I just went by there to take some pictures and.
Speaker 15: Video of all the oil going out.
Speaker 6: Yeah, but Doug, Doug, the dumbest thing they could ever
Speaker 6: lie about. It doesn't even make sense to lie about that.
Speaker 6: The other guy got fired.
Speaker 25: I'm telling you there's two or three guys there today
Speaker 25: because I was just there, not thirty minutes ago.
Speaker 6: Kelly, that's insane. Hey, Kelly, I was told hold on,
Speaker 6: hold on, hold on, just for the heck of it, Kelly,
Speaker 6: would you do me a favor? Yeah, call back up
Speaker 6: there and say, that's funny. The guy we're told talking
Speaker 6: about Doug literally was just there and he saw Doug.
Speaker 6: How many people did you actually see and where were they?
Speaker 25: I saw at least the kid that was there yesterday.
Speaker 2: I was in the back, you know, doing the paperwork
Speaker 2: in another car.
Speaker 25: And he and the manager was there.
Speaker 6: What video the same manager that worked on your car?
Speaker 6: Could he have gotten fired after you saw him?
Speaker 8: No, the same guy that was there yesterday.
Speaker 12: Okay, we don't know if if the manager actually did the.
Speaker 6: You know what, None of this matters. I'm sorry. I'm
Speaker 6: just trying to call him out in alive. But that's
Speaker 6: not going to help two hundred and eighty five bucks
Speaker 6: or whatever it is. You know what is going to help.
Speaker 5: Deputy Bow. Deputy Bow, are you up?
Speaker 6: Yes, I'm here, Mark, Hey, listen, I want you to
Speaker 6: call over there, do whatever we have to do. If
Speaker 6: I've got a rattle Grease Monkey's cage again tomorrow, I'm
Speaker 6: happy to spend forty five minutes telling everybody this story
Speaker 6: out of an hour's show. I will make it to
Speaker 6: Grease Monkey show for the hell of it. I mean,
Speaker 6: I'll give him great publicity. Everybody will know what's going
Speaker 6: on there. But see what you can figure out.
Speaker 21: Man.
Speaker 6: They basically told Kelly that they can't do anything. Maybe
Speaker 6: possibly next week they could talk about it. Kelly, is
Speaker 6: that correct? I want to be very I want to
Speaker 6: be very transparent. Yes, yes, okay, So they won't even
Speaker 6: talk about it. The guy says he's the only one there.
Speaker 6: He's working the front, the back. No one else is there.
Speaker 6: Somebody got fired. Doug's saying there's a bunch of people there,
Speaker 6: at least three people there. So they're shenanigans going on.
Speaker 6: No matter what, they're shenanigans. And if we got to
Speaker 6: go through small claims, that's fine and we can help
Speaker 6: them with that. But bo just try to get this
Speaker 6: figured out. There's got to be a general manager or
Speaker 6: an owner or another manager or somebody that can write
Speaker 6: this guy a check for two hundred and eighty five bucks.
Speaker 6: And I truly believe they owe it to him.
Speaker 7: All right, I'm gonna call him right after the show.
Speaker 6: Thank you now, Jen Monier Tomorrow John was CMG Financial.
Speaker 6: He's been our expert in mortgages for my god, And
Speaker 6: I promise Sherry, Donna, David, I'll get you in a second.
Speaker 6: But you've been our expert on the show for so long.
Speaker 6: It's crazy. You guys, you do thirty year mortgages, fifteen
Speaker 6: basically any term you can think about. Your interest rates
Speaker 6: are as good, if not better than the competition. Do
Speaker 6: you do VA loans? We do do VA loans, So
Speaker 6: you do VA and those are great for people right,
Speaker 6: one hundred percent.
Speaker 7: They're great, one hundred percent. They're great for vas that
Speaker 7: want to get rid of some debts for cash out.
Speaker 6: For cash out. And what I love is you guys
Speaker 6: have started doing reverse mortgages. You're experts at them.
Speaker 21: We are.
Speaker 7: We have, We've come really good. We do our own
Speaker 7: in house reverse mortgages and yeah, it's become a great
Speaker 7: product now.
Speaker 6: Unlike a lot of people, and I'm being honest here,
Speaker 6: so CMG Financial, unlike other people, you guys, do you
Speaker 6: guys actually fund your own loans?
Speaker 2: We do.
Speaker 7: We We were a mortgage bank.
Speaker 6: You're a mortgage bank. You're not a broker, correct, So
Speaker 6: you guys, you're dealing with a person that's giving you
Speaker 6: the money.
Speaker 7: We are, like I have direct access to underwriters and
Speaker 7: you know, if we have special situations, it's a direct call.
Speaker 7: So that's kind of nice.
Speaker 6: Oh to me, that's huge and beneficial. You guys did
Speaker 6: Suzanna and I's loan on our current house in Franktown,
Speaker 6: and I want to tell people out there how cool
Speaker 6: this loan is. Now, we don't own, we don't owe
Speaker 6: anything on the house, and I'm not going to get
Speaker 6: into dollar figures. I'll use a round number. Let's say
Speaker 6: the house is worth one hundred thousand dollars, so we
Speaker 6: own nothing on it, and basically now we have a
Speaker 6: eighty thousand dollars line of credit on it using the
Speaker 6: numbers that we're using one hundred thousand. If it was
Speaker 6: a million, it'd be eight hundred thousand. And you guys
Speaker 6: gave us a thirty year first mortgage with the line
Speaker 6: of credit. Twenty percent is what we had to basically
Speaker 6: put down on the loan, which we paid off shortly
Speaker 6: after correct And a lot of people.
Speaker 7: Have that as equity if they do it as a refinance.
Speaker 6: The do it as a refinance, they have that inequity
Speaker 6: they refi into the all in one loan we'll call it.
Speaker 6: And here's the coolest part about it. Now we don't
Speaker 6: know anything on it, but if we did any money
Speaker 6: you have in the checking account offsets the principle. So
Speaker 6: let's take that one hundred thousand dollars again, and let's
Speaker 6: say you did use that line of credit and I
Speaker 6: owe one hundred thousand dollars. First of all, I pay
Speaker 6: simple interest. Only it's not that front loaded interest. With
Speaker 6: every other.
Speaker 7: Mortgage advertise interest it's terrible.
Speaker 6: It's terrible. You pay all the interest upfront, and most
Speaker 6: people don't keep their house thirty years, but they'll pay
Speaker 6: thirty years worth of interest.
Speaker 7: Yep.
Speaker 6: So it's simple interest. It's calculated simply by whatever it is.
Speaker 6: It's not front loaded. Then, any money you would have
Speaker 6: in the checking account, and let's say you used your
Speaker 6: business or anything for the checking account, and you just
Speaker 6: put all your cash here, some people might sweep. If
Speaker 6: you're a contractor, you could tell your contractor checking account
Speaker 6: to sweep that money into this bank account every night
Speaker 6: or once a week. Whatever's in there off sets it.
Speaker 6: So if I had one hundred thousand dollars in the
Speaker 6: checking account and I owed you one hundred thousand dollars,
Speaker 6: I would owe zero interest for that month because I
Speaker 6: owe nothing. It off sets.
Speaker 7: Yes, it pays principle First, unlike amortized, what you're paying
Speaker 7: all interests, you know, So it goes directly towards principal,
Speaker 7: and then you pay whatever your interested interest on the
Speaker 7: principal bounce. So it's a zero bounce as a zero
Speaker 7: interest called.
Speaker 6: So it's a full line of credit for thirty years.
Speaker 6: It's not a helock. He locks generally are ten years.
Speaker 7: Let me correct you. So it is a he lock,
Speaker 7: but it's the only thirty year, thirty year he lock.
Speaker 7: And it's the checking account tied to it that also
Speaker 7: makes it special.
Speaker 6: Yeah, so what is the average person that has this? Uh,
Speaker 6: this is funny. So right now, what's a thirty year
Speaker 6: fixed seven percent? That's pretty much cross the board now
Speaker 6: with this product. When you take into consideration the simple interest,
Speaker 6: and you take into consideration the offset of a checking
Speaker 6: what is your average customer in this loan paying interest wise?
Speaker 7: Average you know, effective interest rate is usually less than
Speaker 7: three percent three percent.
Speaker 6: Or less on that three percent or less because of
Speaker 6: those two different things.
Speaker 7: And we have a terrific simulator if anybody wants to
Speaker 7: call me that we can go through your numbers directly.
Speaker 7: And yes, it's because of those things. Because of principle
Speaker 7: first and the suite.
Speaker 6: When we first started talking. That's exactly what happened. He
Speaker 6: sent me over because I'm going, wow, that's a little confusing.
Speaker 6: So you sent me over a link to the simulator.
Speaker 6: You put in your current mortgage exactly what it is,
Speaker 6: what interest rate, and I don't care if it's three percent,
Speaker 6: whatever it is. You put in real numbers. Here's how
Speaker 6: much I owe, here's what my house is worth. Blah
Speaker 6: blah blah, and it'll come down and tell you the
Speaker 6: exact math on it.
Speaker 7: It will tell you exact math because like I said, math,
Speaker 7: it's math. Math doesn't lie.
Speaker 6: I will say this real quick. It's a little harder
Speaker 6: to qualify. I mean, let's be honest about that. Now.
Speaker 6: I don't want to scare people away from asking about that,
Speaker 6: because once again, if they don't qualify for that, you
Speaker 6: can refire or put him in a fifteen or thirty
Speaker 6: or a reverse, you can do at all. But if
Speaker 6: they want to check into this product, what I mean
Speaker 6: generally it's somewhat asset based.
Speaker 7: You got to have equity, yeah, I mean everybody should
Speaker 7: look into it. Really, what is based on if you
Speaker 7: don't spend every time you make on a monthly, it's perfect.
Speaker 7: It works wonderful.
Speaker 6: So if you if you're banking one thousand to five
Speaker 6: thousand a month, it's the cherry on top.
Speaker 7: Oh, it really works. And if you have your debts
Speaker 7: under control, it's the perfect loan for you.
Speaker 6: So three to oh three, I'm gonna give everybody John's number.
Speaker 6: I'm working on a website for you because I don't
Speaker 6: like your website. It's too long. Okay, we're gonna get
Speaker 6: there real quick. But for right now, you can call
Speaker 6: him at three oh three five seven seven seven two
Speaker 6: zero six. Any questions you have. We've times known this
Speaker 6: guy thirty years. I've known John got at least fifteen
Speaker 6: and like I said, literally the mortgage we have right now,
Speaker 6: he did that line of credit three five seven seven
Speaker 6: seven two six. Any questions you have. And really, I
Speaker 6: have had so many people call other companies about reverse
Speaker 6: mortgages and they go, man, I don't even know what
Speaker 6: I'm talking about. I don't know if they're in state,
Speaker 6: I don't know who they are. I get a different person.
Speaker 6: You're they're going to deal directly with you on reverss.
Speaker 7: Correctly with me, And I'm very well versed with on reversal.
Speaker 6: And when we talk about there's a direct lender, you're
Speaker 6: talking the direct bank. This guy is the guy lending
Speaker 6: you the money. The company he works for CMG. That's
Speaker 6: what's crazy. If there's an issue with underwriting. These people
Speaker 6: are in the same office, they work for the same company.
Speaker 6: In other words, they get along. I got to take
Speaker 6: this break, Donna, Sherry David, you're up next.
Speaker 5: I promise, go with a sure thing Denver's Best roofer
Speaker 5: Excel Roofing dot com. You don't pay a cent until
Speaker 5: you're content. Time for an insurance check up free, no obligation.
Speaker 5: In comparison all Compass insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three all
Speaker 5: three seven seven to one help. You'll think you're his
Speaker 5: only customer when you choose Frank durand the real estate
Speaker 5: Man dot com to list your home with Remax Alliance
Speaker 5: three all three nine two zero sixteen twenty two.
Speaker 6: All right, three oh three seven one three eight two
Speaker 6: five five. Let me see who's been waiting the longest.
Speaker 6: My goodness, it's going to be Donna. Donna, First of all,
Speaker 6: I apologize for making you wait so long? What is
Speaker 6: going on? How can we help?
Speaker 5: Hi?
Speaker 27: Tom, thanks for help hopefully helping me. I work for
Speaker 27: I work for a lumber company up in Woodlam Park
Speaker 27: almost five years. I went to work on January twenty fourth, Friday,
Speaker 27: got thirty eight, nine o'clock. I was called into the
Speaker 27: manager's office and was told that my job was being eliminated.
Speaker 27: He gave me paper work and wanted me to sign
Speaker 27: it there, which I refused. Got all my belongings. I
Speaker 27: was walked out of the buildings, very humiliating.
Speaker 6: Hey, Donald, let me ask you a question. When he
Speaker 6: said the job was being eliminated? What was your function?
Speaker 23: Originally the.
Speaker 27: Company that I worked for was bought out, and so
Speaker 27: that company my my job title is bookkeeper. Okay, so
Speaker 27: you were We managed the office and did all accounts,
Speaker 27: receivablele new accounts, just a lot of other stuff that was.
Speaker 9: Being a bookkeeper.
Speaker 6: So when they when they bought you out, was it
Speaker 6: a bigger company that bought out, Not that it matters,
Speaker 6: So they probably did a lot of that stuff in house.
Speaker 27: It's a big holdings corporation that bought them out. My
Speaker 27: job title was then changed to accounting.
Speaker 6: Clerk, okay, and then they said they were eliminating that. Yeah,
Speaker 6: so so far.
Speaker 27: Another lady in the office with me that was also
Speaker 27: accounting clerk, but she did accounts payable okay, and from
Speaker 27: my understanding, she is now doing my job.
Speaker 7: Yeah.
Speaker 6: So, either if they combined them or got rid of
Speaker 6: both of the functions, it really wouldn't matter when the
Speaker 6: new company bought it or even the older company. If
Speaker 6: they want to eliminate that job function, they can do it.
Speaker 6: But on top of that, even if they just wanted
Speaker 6: to fire you because they didn't want you there anymore,
Speaker 6: under most circumstances, they can do that as well. I
Speaker 6: know it doesn't seem fair, but that is just how
Speaker 6: it works in the state of Colorado. In most states,
Speaker 6: it's an at will state.
Speaker 5: Yeah.
Speaker 6: Now, well you can go get there's no reason why
Speaker 6: you couldn't go get unemployment.
Speaker 27: I have applied for unemployment.
Speaker 6: Yeah, you'll get it.
Speaker 27: Concern My concern is with the separation agreement. If I
Speaker 27: sign it, I'm not going to get the unemployment.
Speaker 6: Well, what do they offer you?
Speaker 12: And they're gonna They offered me.
Speaker 27: My five weeks of my current based salary that totals
Speaker 27: four eight and eighty less applical taxes, which basically my
Speaker 27: figure showed three thousand, eight and eighty. So if I
Speaker 27: don't find this, then it says I quit, which is
Speaker 27: a gonna it would affect my unemployment.
Speaker 6: Yeah, so so hold on, this is such just a
Speaker 6: math question. I mean, it really is. You can get
Speaker 6: unemployment to someone. Someone helped me, Kelly. Do you know
Speaker 6: how long can you get on unemployment? Anybody? Twenty nine
Speaker 6: days or twenty nine weeks? Twenty nine weeks? So how much?
Speaker 21: What?
Speaker 6: What's like seventy five percent of what you make per week?
Speaker 6: Is it roughly seventy five percent?
Speaker 8: Kelly?
Speaker 6: Sixty percent?
Speaker 5: Do you know?
Speaker 6: I just know you talked directly with our expert over there.
Speaker 19: Yeah, we did.
Speaker 24: So we actually ended up having to render because we
Speaker 24: had already gotten it for twenty nine weeks and.
Speaker 6: We had to do Yeah, but for the twenty nine weeks,
Speaker 6: what kind of percentage compared to salary would it be
Speaker 6: or hour?
Speaker 5: I thought it was eighty percent.
Speaker 24: I believe it was eighty percent, But that doesn't include
Speaker 24: the taxes they take out.
Speaker 6: Yeah, okay, but it's still eighty percent.
Speaker 19: Kirk, Why couldn't she take the separation agreement and when
Speaker 19: those funds, when that five weeks runs out, she could
Speaker 19: still collect unemployments.
Speaker 6: Separation agreement is spelling out that she quit and didn't
Speaker 6: get terminated. Oh I thought they said if she didn't
Speaker 6: sign it, it spelled out she quit. No, the determination
Speaker 6: agreement is literally acknowledging I quit. I don't I'm not
Speaker 6: getting terminated. So I mean, it's simply math. Donna, I
Speaker 6: would go with the twenty nine weeks at eighty percent
Speaker 6: compared to the five weeks at one hundred percent. Why
Speaker 6: wouldn't you?
Speaker 9: I don't know.
Speaker 27: I'm just I'm just you know, there's so much legal
Speaker 27: stuff in this paperwork. I'm afraid to sign it.
Speaker 6: Donna. Listen, listen. I feel so bad for you. I
Speaker 6: wouldn't do anything right now when it comes to that company,
Speaker 6: I wouldn't sign anything. You could get twenty nine weeks
Speaker 6: of unemployment and listen. People out there that have any
Speaker 6: problem with it, you know, Pound saying, here's the deal,
Speaker 6: we all pay into unemployment forever when something like this happens.
Speaker 6: She got bought out by another company and they got
Speaker 6: rid of her. There is no reason in the world
Speaker 6: why she shouldn't go on unemployment. She's going to have
Speaker 6: ample time to go out and find another job and
Speaker 6: get her life back together. This isn't her fault. This
Speaker 6: isn't like she stole from the company. And the only
Speaker 6: reason I'm bringing that up, donn, is I'll get hate
Speaker 6: mail going on. People shouldn't do it. We all pay
Speaker 6: into it. That's exactly what unemployment is made for, is
Speaker 6: what this poor woman is going through. Donna, honest to God,
Speaker 6: don't sign a damn thing. Don't let them pressure it
Speaker 6: into you. And just you already did it. You filled
Speaker 6: out for unemployment and you're gonna be on it. You
Speaker 6: can get twenty nine weeks on it, and you can
Speaker 6: go out and find another job. You're gonna find a job.
Speaker 27: So if I don't sign this and it and it
Speaker 27: says I quit, is the company then gonna fight me.
Speaker 4: I don't care.
Speaker 6: Listen, listen, Donnie. Here's here's what I call reality. The
Speaker 6: reality is this company fired you. Is that not the reality?
Speaker 12: Yeah?
Speaker 6: I wouldn't sign a damn thing unless if they lie,
Speaker 6: and I can't believe a big conglomeration is gonna lie,
Speaker 6: I wouldn't do a damn thing. I'd call up unemployment
Speaker 6: and go. They called me into the office on one
Speaker 6: twenty four and told me my job was eliminated. That's
Speaker 6: what I'd say. They fired me, and then they escorted
Speaker 6: me out the building. That if that's not the definition
Speaker 6: of getting canned, I don't know what is right, right,
Speaker 6: So really don't don't. Don't let them intimidate you. I
Speaker 6: wouldn't even talk to him at this point. I wouldn't
Speaker 6: do anything but deal with unemployment. That's all I would do.
Speaker 6: I promise you you're going to get your unemployment. Yeah,
Speaker 6: and you got to forget about that paperwork. Yeah, forget
Speaker 6: about the paperwork. Don't let this stress you out. Look
Speaker 6: the fact that you've got to go find a job
Speaker 6: and stuff. That's fine, but that's why you're gonna have unemployment.
Speaker 6: You're gonna have twenty nine weeks to go figure something
Speaker 6: out for a gig. But don't let this company beat
Speaker 6: you up. This happens all the time. I mean literally,
Speaker 6: it happens all the time. I mean, we're listen, listen,
Speaker 6: think of what you want with Eline right now. But
Speaker 6: he's he's gutting, he's gutting every part of government. I
Speaker 6: happen to agree with it, but there's a lot of
Speaker 6: people out there right now that have to make a decision.
Speaker 6: Am I gonna go on to unemployment? Am I going
Speaker 6: to take this? It's a pretty good buyout, an eight
Speaker 6: month buyout or brisk getting fired and have to go
Speaker 6: on in unemployment. Whatever that looks like for the FEDS,
Speaker 6: I don't know, but people have. My only point of
Speaker 6: bringing that up wasn't political, It was everybody makes these
Speaker 6: decisions all the time. So really, you've got to put this.
Speaker 6: If this one conversation does anything, I hope you just
Speaker 6: quit focusing on these people and focusing on, you know,
Speaker 6: finding another job. Don't worry about the money for a while,
Speaker 6: because you've got the unemployment that you've probably been paying
Speaker 6: into forever. Have you ever taken unemployment before?
Speaker 2: No?
Speaker 27: I applied when I when I got laid off at
Speaker 27: a school district, but I found a job right away,
Speaker 27: so I never actually.
Speaker 6: Got in How many how many years have you paid
Speaker 6: into unemployment?
Speaker 12: A long time?
Speaker 19: Thank you and Donna, Just so you know, if you
Speaker 19: collect unemployment, it does reflect on their end. Their unemployment
Speaker 19: rates go up as well. That's why they're trying to
Speaker 19: pressure you into this.
Speaker 6: Yeah, I mean, no, doubt because they all have to
Speaker 6: pay for it, and the deal they're offering you sucks.
Speaker 6: You said five weeks, right, five weeks? Yeah, I would.
Speaker 6: I wouldn't even negotiate with them, forget about it. In fact,
Speaker 6: the way they treated you, the way they canned.
Speaker 2: Do you know.
Speaker 6: I'm not going to say it's horrible. You gotta do
Speaker 6: it one way. It's never going to feel good. But
Speaker 6: I don't like how it went down. So get If
Speaker 6: she's got any more questions, Kelly, give her, give her
Speaker 6: my email. I don't mind helping her. And then DONNAE,
Speaker 6: you do have a problem with unemployment ladies, who is
Speaker 6: our guy over there? We know the main game.
Speaker 19: She can contact us or go through you and we'll
Speaker 19: help her out if something happens with her unemployment or
Speaker 19: she's not here back.
Speaker 6: Yeah, okay, perfect. We've got connections over there. If they
Speaker 6: do try to fight it or try to pull any games,
Speaker 6: we know people there. We know the top dog.
Speaker 5: Hold on, go with a sure thing Denver's Best roofer
Speaker 5: Excel roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation in
Speaker 5: comparison call Compass Insurance, pay too much your coverage at
Speaker 5: dozens of insurance companies find out now three oh three
Speaker 5: seven seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two.
Speaker 6: All right, if you only listened on YouTube, you would
Speaker 6: hear my singing ability as well. Suzanne loves it when
Speaker 6: I sing in the shower.
Speaker 5: Oh yes, I sure do so.
Speaker 6: Uh you name it, I can sing it.
Speaker 19: Culture Club Karma Chameleon was his latest.
Speaker 6: That was great. You're on YouTube, yep. And then of
Speaker 6: course Metallica to George Strait, it doesn't matter. I've got
Speaker 6: it down. Three oh three seven one three eight two
Speaker 6: five five. Who's been waiting the longest? Here?
Speaker 4: Sherry? Sherry?
Speaker 6: What's going on YouTube? Sherry? What's happening?
Speaker 23: Is Susan Sweaty Club?
Speaker 6: Oh God? Is this Sherry from YouTube? Who we met?
Speaker 4: Yea in Spokane?
Speaker 6: In Spokane, sweetheart, Hey, that is some neck of the
Speaker 6: woods you live in. I have never seen so much
Speaker 6: graffiti and homelessness in one block. Literally, it made Denver.
Speaker 6: It made Denver look like Montana.
Speaker 28: Don't you feel sorry for me?
Speaker 6: Are they doing raids out there yet?
Speaker 2: Not that I know of.
Speaker 6: No, My goodness. What's going on with your shifter?
Speaker 26: What is that like?
Speaker 6: Your gear shifter?
Speaker 21: Yeah?
Speaker 28: So my two thousand and nine Mini Cooper. It's a
Speaker 28: five speed manual and if it's about twenty five degrees
Speaker 28: or colder, it will not move.
Speaker 6: Let's do this. Let's get it will not move. Kelly,
Speaker 6: Get Jeff Thick real quick. Hold on, Cherry. I bet
Speaker 6: we have an answer to that in a minute. And
Speaker 6: the only reason I'm speeding up to conversation is I
Speaker 6: just looked at the clock. As soon as I have
Speaker 6: Jeff on, we'll figure out how to fix that. Karen,
Speaker 6: what's going on with you? Karen? Hello, Hey, Karen, what's happening?
Speaker 15: Hey?
Speaker 18: Uh?
Speaker 21: You know.
Speaker 23: I have a small business here in Denver, Okay. I
Speaker 23: have been in this building, in this space for over
Speaker 23: thirty five years. My lease expired on December thirty first,
Speaker 23: twenty twenty four, okay, and my landlord, I had a
Speaker 23: new owner took over at the end of October twenty
Speaker 23: twenty four. The new owner agreed to a month to
Speaker 23: month lead you know, term tendancy, and he said we
Speaker 23: were going to talk about my options. Well, just recently
Speaker 23: I received the is it notice to quit.
Speaker 6: Or determinating the lease?
Speaker 23: Yeah?
Speaker 6: Yeah, so a notice to vacate. So they're going to
Speaker 6: either sell it or they're going to do something else
Speaker 6: with it. I mean really, unless if I'm missing something,
Speaker 6: I'm not sure. I'm not sure you have a leg
Speaker 6: to stand on to stop.
Speaker 23: It, and that's not my you know, intent. Okay, I'm
Speaker 23: fine leaving, Okay, because they're going to raise their they
Speaker 23: raise the rent from nine dollars recents of square foot
Speaker 23: to fourteen, got it? So I'm not sure that's legal.
Speaker 26: But I guess.
Speaker 23: My question is am I obligated to any of the
Speaker 23: terms of the lease at this point?
Speaker 6: I don't understand your question. Like you long as you're
Speaker 6: still under it, you're obligated to all of them. I
Speaker 6: don't know what you mean.
Speaker 23: Well, if the lease has expired, yeah, but no, you.
Speaker 6: Said the original lease expired. Now you've been on month
Speaker 6: to month. That month to month is actually your lease.
Speaker 6: Now that's currently your.
Speaker 23: Lease, But what what are the terms of that month
Speaker 23: to month?
Speaker 6: It would be the same as the terms of the
Speaker 6: other one except for the length of the term. It's
Speaker 6: just thirty days, meaning either of you could give notice
Speaker 6: in that period of time, but everything else. So I
Speaker 6: guess what would be a specific question you're asking, Well.
Speaker 23: I asked him, so I have a business with a
Speaker 23: lot of big equipment, you know, big heavy equipment, okay,
Speaker 23: And I asked him for another thirty days okay, you know,
Speaker 23: to get moved and to operate the business.
Speaker 15: At the same time.
Speaker 6: And does he have a problem with that?
Speaker 23: He he didn't. He hasn't even talked to me. He's
Speaker 23: going through his management company, and she told me that
Speaker 23: he is not going to agree to another thirty days.
Speaker 6: You know what, I think he's crazy not to do that.
Speaker 6: Let's let's let's actually go down that. Let's go down
Speaker 6: that rabbit hole this jerk wants to do. Kelly, get on,
Speaker 6: Brad O'Brien. I would say, he can't kick you out
Speaker 6: and within a thirty day period. In other words, if
Speaker 6: he wants to be a total jerk, I think you
Speaker 6: could stay there longer. But let's see what our attorney
Speaker 6: has to say about it. And I would hate to
Speaker 6: have to go down a road so stupid. All she
Speaker 6: he's asking for us for thirty days. I'm picturing she's
Speaker 6: got like forklifts and kind of rental equipment big stuff.
Speaker 6: Give her time to movie you dummy.
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Speaker 6: I want to go to our legal expert, Brad O'Brien.
Speaker 6: Let me tell you when it comes to commercial real
Speaker 6: estate or residential this guy knows everything really quick, Brad.
Speaker 6: Just because I'm up against the clock, Karen had a
Speaker 6: a commercial property lease in Denver. The term was up.
Speaker 6: I don't know if it was ten year, twenty years.
Speaker 6: She's been there a very long time, and they've been
Speaker 6: going month to month. There's a new owner involved. Someone
Speaker 6: came in and bought it, and I don't know what
Speaker 6: their plans are, but she's been on a month to
Speaker 6: month lease. They both agreed on that. So a couple questions.
Speaker 6: One when that initial lease was up and they converted
Speaker 6: and both agreed to go to month to month that
Speaker 6: there was nothing signed there, so the terms of the
Speaker 6: original lease would still be the same terms except for
Speaker 6: the dates. Right, yeah, yes, okay, So now they want
Speaker 6: her out let me lock you in, Karen. Did they
Speaker 6: serve you? Did they put up a ten day notice?
Speaker 23: No, they just mailed, you know, certified, mailed me the notice.
Speaker 6: And what did the notice say? Just roughly vacate by.
Speaker 23: When February twenty eighth.
Speaker 6: So they want her out this when did you receive
Speaker 6: that letter?
Speaker 23: January twenty eight, twenty seventh or twenty eight?
Speaker 6: So they emailed her basically given her thirty days right there.
Speaker 6: It sounds like she needs an additional thirty days though,
Speaker 6: because she's got big equipment. She can't just like, you know,
Speaker 6: rent a U haul and move this stuff. So two questions,
Speaker 6: Brad So two questions, Brad, I mean, if she had to,
Speaker 6: is there any way they could have victor from a
Speaker 6: commercial property in Denver in that thirty day period if
Speaker 6: it came down to something that silly. Is that even
Speaker 6: a possibility.
Speaker 26: Yeah, first look at the least and see if what
Speaker 26: the notice requirement is. Okay, if there's nothing there, then
Speaker 26: it's a three day notice. It's not ten day ten
Speaker 26: days residential. So three days is all I needed. In
Speaker 26: commercial it has to be three days before the end
Speaker 26: of the before the beginning of the next rental month.
Speaker 26: So if the month runs first to the end of
Speaker 26: the month, three d donus has to be given before
Speaker 26: the end of February if it's going to be effective
Speaker 26: for the end of February.
Speaker 6: It sounds like they did that, so she might have
Speaker 6: to be out by the twenty eighth, is why you're saying.
Speaker 26: Except mainly, if not good enough for this kind of
Speaker 26: it has to be posted or hand or in person delivered.
Speaker 6: Oh, it's got to be in person delivered or posted
Speaker 6: you oh my god. So basically where she stands right
Speaker 6: now is she would have those extra thirty days because
Speaker 6: even if they hand delivered one now she would still
Speaker 6: be able to go through March, right, that's right, So Karen,
Speaker 6: you're in great shape. They're just playing hardball and the
Speaker 6: new owner, Brad, won't even talk to her. They have
Speaker 6: the management company just trying to threaten her. What do
Speaker 6: you suggest she does to answer it? Because everything you've
Speaker 6: said is great.
Speaker 26: Well politely respondent, writing about what her rights are and
Speaker 26: what their responsibilities are for following the right procedures or
Speaker 26: criminating tendency.
Speaker 6: Karen's you got any questions for Brad and the other
Speaker 6: thing as Honestly, if you don't want to deal with
Speaker 6: that part and you're just more you know, you just
Speaker 6: want to make sure you get your your your time
Speaker 6: right to that end of March, you can call Brad
Speaker 6: up and Brad can start doing the communications for you.
Speaker 6: That's not going to cost that much. It seems pretty
Speaker 6: cut and dry, right Brad, unless if there's something you
Speaker 6: know we're all missing.
Speaker 26: Yeah, yes, probably less than well.
Speaker 6: He's talking lesson an hour of his time to do that.
Speaker 6: I wouldn't even hesitate. I'd call him personally.
Speaker 9: Okay.
Speaker 23: My other quick question was then I would like to
Speaker 23: do that.
Speaker 6: Actually, we'll give you his number when we're done. But
Speaker 6: quick with the question.
Speaker 23: I thought that if I do, if I'm able to
Speaker 23: get out everything that I need to, you know, but
Speaker 23: left you know different, you know, sheets of materials or
Speaker 23: something like that. Am I obligated to have this whole
Speaker 23: place cleaned out?
Speaker 6: That's all going to be in the least, right, Brad?
Speaker 26: Yeah, normally it's a broom clean. Uh is the condition
Speaker 26: you have to leave it in.
Speaker 6: So she doesn't have to paint or anything. A broom clean,
Speaker 6: but she would need to get materials out right.
Speaker 26: Yeah, and you could leave wearing wearing chair accepted. Yep,
Speaker 26: you can't leave any of your stuff.
Speaker 6: And how long have you been there, Karen? You said
Speaker 6: thirty years? Yeah, so you're wearing tear is going to
Speaker 6: be everything. I got to put you both on hold. Hey,
Speaker 6: Brad O'Brien, I appreciate it. By the way, if you're
Speaker 6: a landlord out there and having updated your lease for
Speaker 6: your tenants residential, commercial, you gotta call Brad have him
Speaker 6: look over that lease. There's so many rule changes, but
Speaker 6: anything out there, I mean, you just heard them the
Speaker 6: Guys Walking book when it comes to property, Brad O'Brien,
Speaker 6: here's the number Karen in for everybody else anything seven
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