WEBVTT 1 00:00:05.440 --> 00:00:06.320 Ripped up. 2 00:00:07.719 --> 00:00:10.960 News need advice, so you don't have the. 3 00:00:13.000 --> 00:00:16.480 Come running just as fast as the can show. 4 00:00:16.679 --> 00:00:21.039 Shooter's gonna help coming. Man, this is. 5 00:00:21.000 --> 00:00:29.320 The Troubleshooter Show. No Tom Martine, Hello Tom Martino here, 6 00:00:29.399 --> 00:00:33.159 Welcome to the show. Three oh three seven one three 7 00:00:33.240 --> 00:00:36.479 talk three oh three seven one three eight two five five. 8 00:00:36.520 --> 00:00:39.679 I hope you're all having a wonderful day, and I 9 00:00:39.719 --> 00:00:41.640 can see all of you there in the studio of 10 00:00:41.679 --> 00:00:44.520 your streaming. I have the studio up, and we have 11 00:00:45.320 --> 00:00:48.799 Mark and Susan. We have Deputy Doc and bo. I thought, uh, 12 00:00:49.240 --> 00:00:51.880 I wasn't sure they were gonna be there today, but okay, 13 00:00:51.920 --> 00:00:54.079 I got Deputy D here, so we're ready to go. 14 00:00:54.159 --> 00:00:57.479 We got the full compliment, well not full compliment, but 15 00:00:57.520 --> 00:01:00.640 we have everyone standing by ready to take cases before 16 00:01:00.679 --> 00:01:06.159 we go anywhere. Let me ask basically, does anyone have 17 00:01:07.519 --> 00:01:12.000 any follow ups to talk about? And he follow ups 18 00:01:12.040 --> 00:01:15.079 at all? D. Yeah. Tom. 19 00:01:15.200 --> 00:01:17.560 You may recall that for the past two days we've 20 00:01:17.599 --> 00:01:21.319 been working on this matter with Chelsea and Nichols Automotive. Yeah, 21 00:01:21.359 --> 00:01:24.400 and you know you you had a lot to say 22 00:01:24.400 --> 00:01:27.439 about the warranty company on Friday, but it feels like 23 00:01:27.480 --> 00:01:30.760 we ran out of time during the show time to really. 24 00:01:30.519 --> 00:01:33.319 Wrap this up. Plus I was steamrolling you guys. 25 00:01:33.480 --> 00:01:36.840 Oh yeah, okay, it was toind of fun, and so 26 00:01:37.359 --> 00:01:38.680 it would be great to kind of bring this to 27 00:01:38.760 --> 00:01:39.400 a conclusion. 28 00:01:39.439 --> 00:01:42.239 What is your position on, Hey, who should pay? 29 00:01:42.319 --> 00:01:42.400 What? 30 00:01:42.760 --> 00:01:45.439 I think the guys, I think that the warranty that 31 00:01:45.760 --> 00:01:48.280 if she mentioned the warranty and he said, I'll take 32 00:01:48.280 --> 00:01:48.959 care of it her something. 33 00:01:49.000 --> 00:01:51.760 I mean, I don't think he did this. 34 00:01:52.040 --> 00:01:53.719 I think she was in a hurry to get her car, 35 00:01:54.640 --> 00:01:56.719 and I think he wanted to get it fixed. I 36 00:01:56.760 --> 00:01:59.959 think did he call the warranty company? I don't think. Yeah, 37 00:02:00.120 --> 00:02:02.480 not lined. I think he called them. I don't know 38 00:02:02.519 --> 00:02:05.040 what was said. Here's the point. I don't know what 39 00:02:05.120 --> 00:02:07.239 was said, and they won't let us hear the conversation. 40 00:02:07.760 --> 00:02:09.879 But the point of trying to make is I don't 41 00:02:09.879 --> 00:02:12.520 think he should eat six grand because he did the 42 00:02:12.560 --> 00:02:15.960 repair without their authorization number or whatever the hell that 43 00:02:15.960 --> 00:02:19.280 they need, and he doesn't know the he doesn't know 44 00:02:19.360 --> 00:02:23.879 the workings of that particular warranty company. Warranty companies have 45 00:02:23.919 --> 00:02:27.280 a certain procedure. But should he be held responsible for 46 00:02:27.479 --> 00:02:30.639 making sure he had that done properly? And should he 47 00:02:30.960 --> 00:02:33.479 if he didn't, like, if you took your car in somewhere, 48 00:02:33.680 --> 00:02:37.400 if you specified on the work order, I want my warranty. 49 00:02:37.439 --> 00:02:39.039 I need to get my warranty to cover this. I 50 00:02:39.039 --> 00:02:41.479 can't afford it, or whatever, or anything about a warranty. 51 00:02:41.719 --> 00:02:44.199 It was never mentioned on the work order. Not only 52 00:02:44.240 --> 00:02:47.560 that she signed the work order, he authorizing the admitted 53 00:02:47.599 --> 00:02:51.120 he called the company. Yeah he did. When But when 54 00:02:51.120 --> 00:02:53.800 he said he called the company, he said they told 55 00:02:53.879 --> 00:02:55.840 him to just document everything as he goes. 56 00:02:56.960 --> 00:02:57.120 So. 57 00:02:57.719 --> 00:03:01.039 But here's the point, and I think Kevin made a 58 00:03:01.080 --> 00:03:04.120 really good point. Mark he doesn't think they would have 59 00:03:04.199 --> 00:03:06.800 covered it anyway. I do because he's done enough work 60 00:03:06.840 --> 00:03:10.439 with warranty companies in general. Here we'll think about this. 61 00:03:10.439 --> 00:03:11.319 This is a car had. 62 00:03:11.400 --> 00:03:15.280 Undred car warranty that's only four thousand miles. 63 00:03:15.639 --> 00:03:18.280 It's literally made for things just like this. 64 00:03:18.599 --> 00:03:22.080 It's not your typical three year, thirty six thousand miles. 65 00:03:22.199 --> 00:03:24.560 This is something they can offer with a used car 66 00:03:24.639 --> 00:03:27.319 sale that only lasts four thousand miles. 67 00:03:29.400 --> 00:03:32.439 But what Kevin said was they usually will not fix 68 00:03:32.560 --> 00:03:36.080 anything pre existing. And he said it happened in one 69 00:03:36.120 --> 00:03:39.879 hundred and sixty miles, and most likely that would be 70 00:03:39.960 --> 00:03:41.400 something that was wrong before. 71 00:03:42.080 --> 00:03:44.360 He can't even go back and bitch at the dealership 72 00:03:44.400 --> 00:03:46.199 at this point because this guy blew it. 73 00:03:46.319 --> 00:03:50.479 Dealing with the warranty company. Well, there's nothing a bitch 74 00:03:50.479 --> 00:03:53.360 at the warranty company about anyway. Not choose me or 75 00:03:53.400 --> 00:03:55.240 the dealer because she bought the car. 76 00:03:55.560 --> 00:03:59.000 They might they might have done something. For example, they 77 00:03:59.080 --> 00:04:02.319 sold a rewarrant. I don't know if it just comes 78 00:04:02.360 --> 00:04:05.719 with their car, if it was an additional price. I think, Dimitri, 79 00:04:05.879 --> 00:04:08.400 it was an additional price. She could go back and 80 00:04:08.479 --> 00:04:11.000 you sold me a car with a warranty, and this 81 00:04:11.120 --> 00:04:13.840 warranty is absolutely no good in the car's no good. 82 00:04:14.080 --> 00:04:17.800 She might have some leverage there. How much did she 83 00:04:17.839 --> 00:04:19.759 pay for that warranty? I think it was somewhere in 84 00:04:19.759 --> 00:04:20.959 the upper two hundreds. 85 00:04:21.199 --> 00:04:24.519 No, but we you know, I'm hesitant to say the 86 00:04:24.560 --> 00:04:27.360 warranty was worthless because the I don't doubt that many 87 00:04:27.399 --> 00:04:31.360 warranty companies are scummy, But this particular warranty company never 88 00:04:31.439 --> 00:04:34.360 got a chance to wheezel out of it because they 89 00:04:34.560 --> 00:04:37.480 set forth the conditions under which they would evaluate the claim, 90 00:04:37.560 --> 00:04:39.120 and those conditions weren't followed. 91 00:04:39.560 --> 00:04:42.639 Yeah, but he okay, of course they weren't followed. He 92 00:04:42.680 --> 00:04:44.399 didn't have the warranty in front of him. 93 00:04:44.399 --> 00:04:47.920 But fifty years in the business, like I told you, 94 00:04:47.920 --> 00:04:52.639 you could call any Firestone, Goodyear, Shared, an auto tech dealership. 95 00:04:52.720 --> 00:04:55.839 Everybody knows. You got to get how to work with these. 96 00:04:57.279 --> 00:05:00.360 Whether it's a roofer or it's a warranty company, they 97 00:05:00.439 --> 00:05:04.600 are not held responsible for the warranty not paying. You're 98 00:05:04.639 --> 00:05:06.399 still when you go to a doctor, if your health 99 00:05:06.439 --> 00:05:08.240 insurance doesn't pay, Tom. 100 00:05:07.920 --> 00:05:10.959 You are I think you are getting I honestly think 101 00:05:11.000 --> 00:05:13.600 you miss it. When I gave this analogy, you hated it. 102 00:05:13.759 --> 00:05:15.839 But if I have hail damage and I go Higher 103 00:05:15.879 --> 00:05:18.879 Excel Roofing and they do my roof, and then I 104 00:05:19.000 --> 00:05:21.639 call up my insurance company when there's nothing for them 105 00:05:21.680 --> 00:05:24.839 to inspect or do anymore, and say write me a check. 106 00:05:25.079 --> 00:05:27.639 Whether I actually needed the roof or not, at that 107 00:05:27.680 --> 00:05:30.759 point doesn't matter. My insurance company is not going to 108 00:05:30.839 --> 00:05:34.040 do anything. And Mark, you can't see that. 109 00:05:34.079 --> 00:05:38.600 It's a different analogy here that she she went and 110 00:05:38.720 --> 00:05:43.199 she signed the work, She gave them all the warrantine information. 111 00:05:43.399 --> 00:05:46.720 He agreed right on the you have the regard, how 112 00:05:46.720 --> 00:05:48.560 do you know? Because he said, do you know on 113 00:05:48.639 --> 00:05:50.920 the air. Do you want to hear it again? He 114 00:05:50.959 --> 00:05:52.959 didn't have the warranty in front of him. He didn't 115 00:05:52.959 --> 00:05:54.920 have the warranty in front of him. I agree he 116 00:05:54.959 --> 00:05:57.000 did not. He didn't have the warranty, he didn't have 117 00:05:57.040 --> 00:05:58.600 the terms and conditions in front of him. 118 00:05:58.759 --> 00:05:59.959 He's not supposed to listen. 119 00:06:00.120 --> 00:06:02.199 What I'm saying is if you hire Excel roof and 120 00:06:02.240 --> 00:06:04.240 come out and to your roof and they don't follow 121 00:06:04.279 --> 00:06:06.879 the terms of the insurance policy, and they don't have 122 00:06:07.000 --> 00:06:08.920 that insurance policy in front of him, they put a 123 00:06:08.959 --> 00:06:11.199 roof on your house, you think they should eat a roof. 124 00:06:11.439 --> 00:06:13.279 I don't think so at all. I bet I don't 125 00:06:13.279 --> 00:06:14.240 think this. 126 00:06:14.560 --> 00:06:17.079 If Excel came out and said, I'm going to work, 127 00:06:17.120 --> 00:06:19.160 and you sign a contract saying it's going to be 128 00:06:19.199 --> 00:06:22.720 the proceeds of the insurance company, just like they always. 129 00:06:22.439 --> 00:06:24.839 They never sign a contract like that. They never sign 130 00:06:24.879 --> 00:06:28.360 a contract like that and the proceeds of the insurance. 131 00:06:28.519 --> 00:06:31.319 But you're right, if somebody did sign this, I will 132 00:06:31.879 --> 00:06:35.040 know if someone signed something saying I would take the 133 00:06:35.079 --> 00:06:38.720 proceeds of the insurance. If someone signed that, then you're 134 00:06:38.759 --> 00:06:41.720 absolutely right. And if they didn't get the proceeds, then 135 00:06:41.920 --> 00:06:45.480 screw them. But this guy never signed anything saying I 136 00:06:45.519 --> 00:06:48.360 will take the proceeds of your warranty company. Nohow me 137 00:06:48.399 --> 00:06:51.199 where he signed that. He didn't sign it. What he 138 00:06:51.279 --> 00:06:53.279 did do is tell her it got approved by the 139 00:06:53.680 --> 00:06:55.680 damn warranty company, and it didn't. 140 00:06:55.800 --> 00:06:59.160 He never told her that they played so. 141 00:06:59.240 --> 00:07:04.040 Basically was saying his quarranty company approved it. You guys 142 00:07:04.120 --> 00:07:07.800 did the work, but then at the end they decided 143 00:07:07.839 --> 00:07:10.000 they were going to pay it because you guys couldn't 144 00:07:10.040 --> 00:07:12.680 provide stuff then. And he's sticking by that and even 145 00:07:12.720 --> 00:07:14.839 her if you had to. 146 00:07:15.759 --> 00:07:16.800 That's exactly correct. 147 00:07:17.160 --> 00:07:17.399 Mark. 148 00:07:17.639 --> 00:07:19.399 By the way, this is a recording, and he's not 149 00:07:19.519 --> 00:07:20.639 disputing he said this. 150 00:07:20.959 --> 00:07:22.279 He is not disputing it. 151 00:07:22.480 --> 00:07:25.439 He said he called the warranty company and they approved 152 00:07:25.439 --> 00:07:28.360 it as long as he could document it. They told 153 00:07:28.439 --> 00:07:31.279 him to tear it down and document it. That is 154 00:07:31.360 --> 00:07:32.600 what he is telling. 155 00:07:32.839 --> 00:07:34.839 Then we go on to ask him, did you get 156 00:07:35.319 --> 00:07:37.000 did you get the approval number? 157 00:07:37.199 --> 00:07:40.319 No, well then you did. He didn't get a number. 158 00:07:40.600 --> 00:07:45.920 He's mark. He said he got approval. Now when the 159 00:07:46.000 --> 00:07:48.600 company says, by the way, go ahead and tear it 160 00:07:48.639 --> 00:07:50.759 down and document it. We'll take care of it, and 161 00:07:50.800 --> 00:07:53.360 he goes ahead and does that. Who told him he's 162 00:07:53.399 --> 00:07:54.480 supposed to get a number? 163 00:07:54.920 --> 00:08:01.439 Well, nobody, because they didn't say that I guarantee the warranty. 164 00:07:58.720 --> 00:08:04.000 No want you get a copy of that recording, since 165 00:08:04.040 --> 00:08:06.680 you like the warranty company so much and you believe 166 00:08:06.720 --> 00:08:09.959 them over a fifty year mechanic or a business campaign, if. 167 00:08:09.920 --> 00:08:12.639 You bought him, If you brought in your BMW and 168 00:08:12.680 --> 00:08:16.000 you spent like seven grand on an aftermarket or extended 169 00:08:16.040 --> 00:08:19.000 warranty and they didn't get a damn approval number, you 170 00:08:19.040 --> 00:08:23.839 would be off your rocker. First of all, you keep 171 00:08:23.879 --> 00:08:26.920 talking about an approval number. You make a sound as 172 00:08:27.000 --> 00:08:31.160 if this guy had all of the rules and conditions 173 00:08:31.199 --> 00:08:33.519 of this quarranty in front of him. This there is 174 00:08:33.559 --> 00:08:37.440 nobody doesn't matter, Mark. Every warranty company is different. Every 175 00:08:37.480 --> 00:08:41.320 warranty company is isn't I can't believe you're saying this, 176 00:08:41.559 --> 00:08:44.759 that a warranty that a mechanic is supposed to know 177 00:08:45.320 --> 00:08:48.000 that he has to get a confirmation number. You name one, 178 00:08:48.039 --> 00:08:48.960 I'll call somebody up. 179 00:08:49.000 --> 00:08:51.720 I don't care who it is, good Year, Firestone Sears, 180 00:08:51.759 --> 00:08:54.519 if they still have an automotive. Anybody that could ever 181 00:08:54.600 --> 00:08:57.320 possibly deal with a warranty, knows how to deal with 182 00:08:57.360 --> 00:08:57.919 these people. 183 00:08:58.320 --> 00:09:01.440 If if you have a if you have a customer 184 00:09:01.919 --> 00:09:04.000 who's breathing down your neck and says, I need to 185 00:09:04.000 --> 00:09:06.600 get this fixed as soon as possible. And even if 186 00:09:06.639 --> 00:09:08.879 she said, even though it's not in writing anywhere, I 187 00:09:08.919 --> 00:09:12.080 have a warranty, here's the warranty. And he calls them 188 00:09:12.320 --> 00:09:15.159 and they say, tear it down. We're not going to 189 00:09:15.200 --> 00:09:18.200 pay for the teardown, but if you document it, we 190 00:09:18.320 --> 00:09:20.960 will pay for it. If it's the transmission, and if 191 00:09:21.000 --> 00:09:23.440 it's not pre existing, that's so if he goes there, 192 00:09:23.559 --> 00:09:24.200 one works. 193 00:09:24.480 --> 00:09:27.000 If you tear it down, then they send an adjuster 194 00:09:27.159 --> 00:09:31.000 out to inspect it. He completely bypassed it, and I 195 00:09:31.159 --> 00:09:33.159 personally think so. 196 00:09:32.639 --> 00:09:35.399 So he okay about it. So, ladies and gentlemen, he 197 00:09:35.480 --> 00:09:38.120 should eat six thousand dollars worth of work and she 198 00:09:38.200 --> 00:09:41.399 should get a free transmission because she got him. You 199 00:09:41.440 --> 00:09:43.279 know what, we're never going to agree on this, so 200 00:09:43.360 --> 00:09:44.200 let's just move. 201 00:09:44.039 --> 00:09:44.559 On, all right. 202 00:09:44.720 --> 00:09:47.039 I mean, there's really no reason to keep discussing it. 203 00:09:47.399 --> 00:09:50.120 I think that he's he should be paid something. I 204 00:09:50.120 --> 00:09:52.440 don't think the man should be punished for trying to 205 00:09:52.440 --> 00:09:55.320 get his customer of ten or twenty years down the road, 206 00:09:55.559 --> 00:09:58.039 and I don't think he intentionally did this to try 207 00:09:58.080 --> 00:10:00.480 to cheat her out of six grand. It's the that easy. 208 00:10:00.519 --> 00:10:02.320 I don't think so. And if I had to put 209 00:10:02.320 --> 00:10:04.960 my money somewhere, it would not be on a warranty company, 210 00:10:05.080 --> 00:10:08.919 because in my experience, warranty companies lie more than anyone there. 211 00:10:09.080 --> 00:10:12.519 That's my experience. So anyway, three oh three seven to 212 00:10:12.519 --> 00:10:14.480 one three, I mean, we're just not going to agree. 213 00:10:14.639 --> 00:10:17.080 It doesn't mean someone's right and someone's wrong. We have 214 00:10:17.159 --> 00:10:20.480 different opinions, and mine is that I think the warranty 215 00:10:20.519 --> 00:10:23.519 company is not telling us or showing us or letting 216 00:10:23.639 --> 00:10:27.120 us hear that phone call for a reason because they 217 00:10:27.240 --> 00:10:31.360 gave him the the the implied consent. Oh, go ahead 218 00:10:31.399 --> 00:10:33.360 and do it, And now they don't want to own 219 00:10:33.480 --> 00:10:35.720 up and they want to get out of it, just 220 00:10:35.919 --> 00:10:39.159 like ninety percent of all warranty companies you even ask 221 00:10:39.279 --> 00:10:42.200 Kevin Calkin, they're pains in the ass. And this one 222 00:10:42.240 --> 00:10:44.559 has one of the worst ratings in the business. But 223 00:10:45.279 --> 00:10:47.840 let's believe the warranty company all of a sudden, we 224 00:10:47.960 --> 00:10:51.320 love marketing companies. Here on the Troubleshooter share audio. If 225 00:10:51.360 --> 00:10:54.360 I get that audio and this guy's full of it, okay, 226 00:10:54.440 --> 00:10:57.639 forget about mistakes. If this guy what he's been telling 227 00:10:57.639 --> 00:10:59.919 you is incorrect and I get that audio, will you 228 00:11:00.240 --> 00:11:02.759 spend every living day bearing him until he gives a 229 00:11:02.799 --> 00:11:06.679 car back. I'm not gonna bury him. I'm going to 230 00:11:06.759 --> 00:11:08.679 make a deal so she can get a car back. 231 00:11:08.919 --> 00:11:11.759 She's still gonna owe something for the car. You somehow 232 00:11:11.799 --> 00:11:14.240 feel like she wasn't going to pay a dime for anything. 233 00:11:14.440 --> 00:11:16.840 And you're assuming that the warranty company would have paid 234 00:11:16.879 --> 00:11:19.360 one hundred percent for the repair. I'm still not there. 235 00:11:19.440 --> 00:11:19.679 Mark. 236 00:11:19.840 --> 00:11:23.159 You're saying, oh, yeah, they would have automatically paid, Because Mark, 237 00:11:23.320 --> 00:11:27.240 how many experiences do we have with warranty companies automatically 238 00:11:27.240 --> 00:11:28.840 paying one hundred percent of the repairs? 239 00:11:28.960 --> 00:11:29.720 How do you tell me? 240 00:11:29.759 --> 00:11:32.320 Mark? You tell me, because you've sat in this chair 241 00:11:32.360 --> 00:11:36.159 long enough, tell me how many warranty companies voluntarily on 242 00:11:36.240 --> 00:11:40.000 a used car warranty we'll replace the transmission one percent 243 00:11:40.240 --> 00:11:42.480 after they own the car for one hundred and sixty miles. 244 00:11:42.600 --> 00:11:43.039 How many? 245 00:11:43.440 --> 00:11:46.039 How many do you think we've had in our experience 246 00:11:46.240 --> 00:11:49.039 that voluntarily pays for every one thing. We're never going 247 00:11:49.080 --> 00:11:49.759 to agree on it. 248 00:11:49.799 --> 00:11:52.639 I think this guy screwed her, not on purpose by 249 00:11:52.720 --> 00:11:56.039 any means. I think he totally dropped the ball and 250 00:11:56.080 --> 00:11:59.639 now she's hung with with she bought a warranty that 251 00:12:00.080 --> 00:12:01.000 simply can't use. 252 00:12:01.120 --> 00:12:04.600 And you're assuming, but you're also assuming, Mark, I agree 253 00:12:04.639 --> 00:12:06.440 with you on this. You though they never got to 254 00:12:06.480 --> 00:12:10.000 look at you're assuming they would have paid one it. Well, 255 00:12:10.039 --> 00:12:12.200 I you're assuming paid. I think they would have paid 256 00:12:12.279 --> 00:12:16.200 up to whatever the policy was. What do we even 257 00:12:16.240 --> 00:12:19.080 know what that policy was? I think he's me I read, 258 00:12:19.399 --> 00:12:21.360 actually do we even know? If? 259 00:12:21.559 --> 00:12:24.279 It doesn't say anything about it has a deductive, It 260 00:12:24.279 --> 00:12:28.240 has a modest deductible, but it has a huge, very 261 00:12:28.279 --> 00:12:29.440 significant cap. 262 00:12:29.200 --> 00:12:30.120 On hourly rate. 263 00:12:30.200 --> 00:12:32.720 I believe they only allow seventy five dollars an hour 264 00:12:33.240 --> 00:12:37.679 with one hundred dollars deductible. That's that's what I saw. 265 00:12:37.799 --> 00:12:40.600 I mean, I do have a proposed resolution to this. 266 00:12:40.919 --> 00:12:42.519 And what if you bring it to a place that 267 00:12:42.559 --> 00:12:44.200 you know and trust and they don't want to work 268 00:12:44.200 --> 00:12:45.759 for that? What happens then you have to pay the 269 00:12:45.799 --> 00:12:47.919 re You pay the difference. That's like what Jeff and 270 00:12:48.000 --> 00:12:51.600 Kevin said. We got more coming up on the troubleshooter 271 00:12:51.679 --> 00:12:55.080 show mark. Please try to get Please try to get 272 00:12:55.080 --> 00:12:58.679 that recording, honest to goodness, tell them it'll only help them. 273 00:12:58.960 --> 00:13:01.360 Three h three seven one three eight two five five. 274 00:13:01.399 --> 00:13:04.559 Paul the Waterman. I talked to him today. My god. 275 00:13:04.919 --> 00:13:08.279 If you haven't looked up, he's got some YouTube videos 276 00:13:08.320 --> 00:13:10.919 and everything, Paul the Waterman. If you search it, you 277 00:13:10.960 --> 00:13:14.039 will find the best water systems at the best prices ever. 278 00:13:14.480 --> 00:13:17.440 And it's time to think about your health, folks, not 279 00:13:17.519 --> 00:13:19.759 just the foods you eat, but the water you drink. 280 00:13:19.799 --> 00:13:22.279 In fact, we come in more contact with water than food. 281 00:13:22.799 --> 00:13:24.960 Three oh three eight six two five five five four. 282 00:13:25.320 --> 00:13:27.559 For under thirty two hundred bucks, you get an entire 283 00:13:27.600 --> 00:13:30.600 system for your whole house for chemicals and for drinking 284 00:13:30.679 --> 00:13:33.440 water and for softening. Three oh three eight six two 285 00:13:33.440 --> 00:13:42.399 five five five four. Go with a sure thing Denver's 286 00:13:42.480 --> 00:13:45.360 best roofer Excel Roofing dot com. You don't pay a 287 00:13:45.440 --> 00:13:51.919 cent until you're content. Time for an insurance check up free, 288 00:13:52.000 --> 00:13:55.679 no obligation. In comparison, call Compass Insurance paying too much 289 00:13:55.879 --> 00:13:58.799 your coverage at dozens of insurance companies find out now 290 00:13:58.879 --> 00:14:01.600 three oh three seven and one help. You'll think you're 291 00:14:01.639 --> 00:14:04.159 his only customer when you choose Frank durand the real 292 00:14:04.240 --> 00:14:07.240 estate man dot com to list your home with Remax 293 00:14:07.279 --> 00:14:12.399 Alliance three oh three nine two zero sixteen twenty two. 294 00:14:15.279 --> 00:14:20.120 Hi Tom Martine, your troubleshooter three oh three seven one 295 00:14:20.159 --> 00:14:22.720 three talk three oh three seven one three eight two 296 00:14:22.799 --> 00:14:28.279 five five. All right, now Jay has a comment on 297 00:14:28.320 --> 00:14:30.120 this case, and again we're not going to be labor it, 298 00:14:30.159 --> 00:14:33.600 but hey, it's okay that people don't don't agree on everything. 299 00:14:33.799 --> 00:14:37.080 That's how actually things get done better is when we 300 00:14:37.320 --> 00:14:39.480 examine many many opinions. Agreed. 301 00:14:39.600 --> 00:14:41.879 Go ahead, Jay, go ahead, Jay. 302 00:14:42.120 --> 00:14:45.399 Hey Tom, First, I want to clarify something I'm unclear 303 00:14:45.480 --> 00:14:49.320 on when the mechanic called the warranty company. Did he 304 00:14:49.360 --> 00:14:52.480 get permission from them too, we don't know, down and 305 00:14:52.639 --> 00:14:55.480 inspect it, or did he get we don't know, permission 306 00:14:55.519 --> 00:14:57.200 to repair it, because. 307 00:14:56.919 --> 00:14:59.399 That would be a huge we don't know, we don't know. 308 00:14:59.559 --> 00:15:02.600 Take some both the small claims court, or at least 309 00:15:02.639 --> 00:15:05.120 one of them. She can compel evidence and then the 310 00:15:05.159 --> 00:15:06.840 truth kind of has to come out, or if she 311 00:15:06.919 --> 00:15:07.879 kind of wins. 312 00:15:09.039 --> 00:15:11.159 Yeah, I don't know, man, I don't know what was 313 00:15:11.159 --> 00:15:14.320 said on that phone call. He says he called and 314 00:15:14.440 --> 00:15:17.159 told him he has this client's car, blah blah blah, 315 00:15:17.200 --> 00:15:20.559 and they said, document everything, tear it down, and we'll 316 00:15:20.600 --> 00:15:23.639 take care of it. He now what, I don't know 317 00:15:23.679 --> 00:15:26.200 if they said that numbers nothing. 318 00:15:26.919 --> 00:15:31.440 So therefore, if she sues the warranty company on the 319 00:15:31.480 --> 00:15:34.960 mechanic's word, he has to help her make the case. 320 00:15:35.000 --> 00:15:37.679 If that's what he's claiming, he makes that case, they 321 00:15:37.720 --> 00:15:39.960 come back and say, never happened. Here's how we can 322 00:15:40.000 --> 00:15:40.440 go ahead. 323 00:15:40.480 --> 00:15:40.600 Day. 324 00:15:40.679 --> 00:15:41.360 What are you doing? Answer? 325 00:15:41.960 --> 00:15:43.919 Hold on, Jay, Jay. 326 00:15:43.960 --> 00:15:45.960 She doesn't have the option of suing them. I read 327 00:15:45.960 --> 00:15:48.480 the entire contract with a warranty company, and she agreed 328 00:15:48.519 --> 00:15:52.080 to arbitration for the warranty company with a warranty company. 329 00:15:52.120 --> 00:15:54.639 So she sues them, they'll just get it dismissed instantly, 330 00:15:56.000 --> 00:15:58.879 and arbitration is going to be prohibitably expensive. 331 00:15:59.080 --> 00:16:01.399 What is going on? Is she going to get her car? 332 00:16:01.440 --> 00:16:02.399 Have you talked to her today? 333 00:16:02.799 --> 00:16:03.039 No? 334 00:16:03.240 --> 00:16:03.679 Not yet. 335 00:16:03.879 --> 00:16:06.000 I just emailed both Nichols. You just thought it'd be 336 00:16:06.039 --> 00:16:08.120 a good idea of bringing up to piss me off. No, 337 00:16:08.159 --> 00:16:08.480 I just. 338 00:16:10.120 --> 00:16:12.840 It would be a good idea two of the three 339 00:16:12.879 --> 00:16:15.399 of us to agree on how to proceed. 340 00:16:15.519 --> 00:16:17.320 Anyway, So while you and Mark were arguing. 341 00:16:17.559 --> 00:16:19.279 I came up with a settlement offer, and I just 342 00:16:19.360 --> 00:16:20.279 emailed it to both of them. 343 00:16:20.360 --> 00:16:22.159 I want to know. I want to know what your 344 00:16:22.200 --> 00:16:26.960 offer was. What is it? Well, my view, did you 345 00:16:27.039 --> 00:16:28.480 eail By the way, did you email me. 346 00:16:28.480 --> 00:16:31.320 The I emailed both you and Mark not only the 347 00:16:31.320 --> 00:16:34.000 policy but the denial letter. I want to from the 348 00:16:34.039 --> 00:16:37.919 warranty company Mark to answer your question from the perspective 349 00:16:38.159 --> 00:16:41.720 of the fact that they both the consumer and Nichols 350 00:16:41.799 --> 00:16:46.080 both mismanaged this process as as you already As you 351 00:16:46.080 --> 00:16:48.559 already know, Nichols should have been better prepared to manage 352 00:16:48.600 --> 00:16:52.679 the warranty claim. However, Chelsea should have also managed the process. 353 00:16:52.759 --> 00:16:55.960 She should have had the warranty policy in front of Nichols. 354 00:16:56.200 --> 00:16:59.080 She should have demanded he gets an approval number and 355 00:16:59.240 --> 00:17:01.519 tells her what her out of pocket expense will meet 356 00:17:01.720 --> 00:17:05.319 before she approves the expense. However, she approved the repair 357 00:17:05.400 --> 00:17:07.240 before any of that was done. So I think they 358 00:17:07.240 --> 00:17:08.480 were both equally at fault. 359 00:17:08.559 --> 00:17:09.920 I don't see the warranty you sent me. 360 00:17:10.000 --> 00:17:13.160 I emailed it to you and Mark h Okay, and 361 00:17:13.319 --> 00:17:18.160 so my proposed resolution was, would Nichols be willing to 362 00:17:18.599 --> 00:17:23.359 settle for their actual out of pocket costs, their labor 363 00:17:23.480 --> 00:17:29.319 costs and their parts costs without profit because they are 364 00:17:29.720 --> 00:17:29.960 you know. 365 00:17:30.079 --> 00:17:32.079 Yeah, but I imagine a small shop that's going to 366 00:17:32.079 --> 00:17:33.119 be the whole price anyway. 367 00:17:34.279 --> 00:17:36.839 Well, no, there's costs, and there's profit right on top 368 00:17:36.839 --> 00:17:39.559 of costs, and that's what the consumer gets charged. But 369 00:17:39.599 --> 00:17:42.279 my point was they both they both messed up. They 370 00:17:42.279 --> 00:17:46.000 both mismanaged this process. So let's just get this lady's 371 00:17:46.039 --> 00:17:50.319 car back. And so I asked for that amount. I 372 00:17:50.519 --> 00:17:53.680 emailed them both simultaneously, and I said, Chelsea, if they 373 00:17:53.720 --> 00:17:56.359 respond positively, see what the amount is and let us 374 00:17:56.400 --> 00:18:01.680 both let us all know if this is acceptable to you. 375 00:18:00.480 --> 00:18:02.920 And then maybe payment. 376 00:18:04.319 --> 00:18:06.400 Yeah, yeah, let's see what the amount is. She may 377 00:18:06.440 --> 00:18:08.400 be abole to cover it right off the bat. If not, 378 00:18:08.599 --> 00:18:09.519 then it sounds. 379 00:18:09.240 --> 00:18:11.799 Like and they sold it with a transmission problem even 380 00:18:11.839 --> 00:18:14.839 though it was as is, maybe something should be I 381 00:18:14.880 --> 00:18:18.640 don't know, maybe something should be done. Is this two pages? 382 00:18:18.759 --> 00:18:20.880 Is the entire warranty? Two pages? 383 00:18:21.079 --> 00:18:23.640 No, you've got two files in there. I got I 384 00:18:23.680 --> 00:18:27.279 got this thing that the car's protection plus rejection letter, yep. 385 00:18:27.279 --> 00:18:30.440 And then I had the other one, which is okay, 386 00:18:30.480 --> 00:18:32.960 the whole warranty flex protect. 387 00:18:33.279 --> 00:18:33.799 That's it. 388 00:18:34.039 --> 00:18:36.039 Yeah, okay, yeah, it's more than two pages. 389 00:18:36.480 --> 00:18:37.400 Yeah, no, I got it now. 390 00:18:37.480 --> 00:18:41.279 Yeah, I read the entire thing, including the bold capital 391 00:18:41.400 --> 00:18:44.599 letters that says that if you do not get our 392 00:18:44.720 --> 00:18:49.039 approval prior to the repair, your claim will be denied 393 00:18:49.920 --> 00:18:51.599 in bold capital letters. 394 00:18:51.920 --> 00:18:55.359 Yeah. See, you guys are looking at the process. Yes, 395 00:18:55.480 --> 00:18:58.519 I'm looking at would it be covered anyway? So I'm 396 00:18:58.519 --> 00:19:02.279 going through the covering. It's so that's very clear. Yeah, 397 00:19:02.480 --> 00:19:05.039 well it's not very clear. Actually you're saying it's very clear. 398 00:19:05.039 --> 00:19:08.440 They would have replaced the transmission. It's clear what you're doing. Yeah, 399 00:19:08.480 --> 00:19:10.880 So I just want to see what they say about 400 00:19:11.160 --> 00:19:15.519 the replacement because they say schedule of coverage coverage under 401 00:19:15.559 --> 00:19:21.119 this agreement includes components listed in this section, and then 402 00:19:21.119 --> 00:19:25.960 they put transmission. It says manual transmission, then they say automatic. 403 00:19:26.200 --> 00:19:29.279 Which one is it? Automatic transmission? Automatic transmission? And the 404 00:19:29.559 --> 00:19:34.240 torque converter, bans, pump, pump housing, carrier assembly, planetary gears, 405 00:19:34.240 --> 00:19:37.799 blah blah blah blah Blahay. So the lubricated parts transmission 406 00:19:37.839 --> 00:19:41.599 transfer case only if damaged by a covered component internal 407 00:19:41.680 --> 00:19:44.640 to the transmission transfer housing, so it doesn't leave much 408 00:19:44.680 --> 00:19:49.799 for exceptions here. It doesn't now the somewhere by the way, 409 00:19:50.240 --> 00:19:52.440 because this sounds pretty clear. Irrelevant part. 410 00:19:52.759 --> 00:19:54.680 We don't even need to go to the exceptions because 411 00:19:54.720 --> 00:19:57.680 the relevant part is that it covers the valve body. 412 00:19:58.279 --> 00:20:01.440 And Kevin from Shared autottech to me that that mectronic 413 00:20:01.599 --> 00:20:05.920 component is also know that that Nichols replaced is also 414 00:20:06.079 --> 00:20:10.759 known as the valve body and that is covered on 415 00:20:11.240 --> 00:20:16.640 that Schedule one Automatic Transmission Repairs Components. 416 00:20:18.400 --> 00:20:21.519 Now, so it's talking all about and you seem to 417 00:20:21.599 --> 00:20:24.319 highlight this damci. But see he didn't have this in 418 00:20:24.359 --> 00:20:26.759 front of him. It would have been wonderful if you 419 00:20:26.880 --> 00:20:31.039 had it been It spells out every single step your 420 00:20:31.680 --> 00:20:36.119 repair facilities should do. Your repair facility should do this, 421 00:20:36.680 --> 00:20:41.119 Your repairs facilities should do that. Yes, okay, well okay, sir, 422 00:20:41.200 --> 00:20:45.759 you didn't do step number four A subsection B no time. 423 00:20:45.799 --> 00:20:46.799 It's not that silly. 424 00:20:46.839 --> 00:20:50.400 It's it's not that silly because after fifty years in business, 425 00:20:50.400 --> 00:20:52.759 as you said, he or any of them. 426 00:20:52.839 --> 00:20:55.680 How many warrant okay, how many warranties do you think 427 00:20:55.680 --> 00:20:56.480 they're all the same? 428 00:20:56.519 --> 00:20:56.680 Man? 429 00:20:56.720 --> 00:21:00.359 How many they're all the same. They're all exactly the same. 430 00:21:00.359 --> 00:21:02.440 Are requirement. 431 00:21:03.400 --> 00:21:05.640 I mean, could could share an autotech tell us about 432 00:21:05.640 --> 00:21:08.599 a warranty company they deal with that does not A 433 00:21:08.680 --> 00:21:11.079 require an approval and B doesn't. 434 00:21:10.759 --> 00:21:14.279 Have I never said a warranty company does not require approval. 435 00:21:14.519 --> 00:21:17.680 I never said that. Ever, what I said was this. 436 00:21:18.079 --> 00:21:21.200 She never, first of all, referenced to warranty once, not 437 00:21:21.359 --> 00:21:24.440 once in writing number two. If she referenced it verbally, 438 00:21:24.680 --> 00:21:27.599 can we say that she handed Is it reasonable for 439 00:21:27.640 --> 00:21:30.279 her to say I have a warranty and then expect him, 440 00:21:30.440 --> 00:21:33.960 with one phone call to discern each and every term 441 00:21:33.960 --> 00:21:37.559 in condition that warranty entails. Come on, bro, come on, yeah, 442 00:21:37.599 --> 00:21:40.880 that's reasonable. It's not reasonable one phone call and this 443 00:21:41.000 --> 00:21:45.240 mechanic should digest this entire thirteen page agreement. 444 00:21:45.400 --> 00:21:49.720 Come on, man, the law. Let's be honest about what 445 00:21:49.799 --> 00:21:51.960 the procedure is based on his experience. 446 00:21:51.960 --> 00:21:54.119 Now, I think what he was what he did do 447 00:21:54.200 --> 00:21:56.599 that was stupid is did the repair Because if he 448 00:21:56.640 --> 00:21:59.079 would have called them and said listen, or he should 449 00:21:59.079 --> 00:22:01.039 have called her and said I need to see this 450 00:22:01.119 --> 00:22:03.400 warranty because I don't want to be stuck with the bill, 451 00:22:03.599 --> 00:22:06.680 that's what he should have done. Agreed, absolutely should have 452 00:22:06.720 --> 00:22:09.279 done that. And I just don't know why he didn't. 453 00:22:09.440 --> 00:22:12.359 I think he didn't do it because he got the 454 00:22:12.400 --> 00:22:15.599 impression she wanted it repaired, no matter why. That's the 455 00:22:15.680 --> 00:22:18.000 feeling I got when I talked to him, not that 456 00:22:18.079 --> 00:22:20.400 he wanted to make a quick six grand from a 457 00:22:20.440 --> 00:22:23.279 fifteen year customer and just put the screws to her. 458 00:22:23.519 --> 00:22:26.079 He said she was desperate to get her car fixed, 459 00:22:26.279 --> 00:22:28.960 So I have a feeling he was he. I do 460 00:22:29.039 --> 00:22:32.119 think he rushed it, I really do, and I said 461 00:22:32.160 --> 00:22:34.480 this before. I think he screwed up the process. I 462 00:22:34.519 --> 00:22:36.799 don't think he was familiar with the process. I don't 463 00:22:36.799 --> 00:22:39.680 think it's reasonable for us to assume that every mechanic 464 00:22:39.839 --> 00:22:43.440 that we whisper a warranty to should know all thirteen pages. 465 00:22:43.680 --> 00:22:45.240 I don't think that's reasonable either. 466 00:22:45.400 --> 00:22:47.759 No, but it's reasonable for him to call and get 467 00:22:47.799 --> 00:22:49.759 the requirements to get the coverage. 468 00:22:50.279 --> 00:22:52.480 And where in the contract does it say that on 469 00:22:52.519 --> 00:22:55.240 that workloader showed me to me because we usually we 470 00:22:55.319 --> 00:22:59.839 usually go by riding. Missishimmer said that, but he should 471 00:22:59.880 --> 00:23:01.880 have should have put that in at least in the warranty, 472 00:23:02.079 --> 00:23:05.200 that this is a warranty repair or something. YEP, I agree, 473 00:23:05.240 --> 00:23:07.799 I agree. I'd like to know why she didn't. I 474 00:23:07.920 --> 00:23:10.160 really do. And as long as we're talking about this 475 00:23:10.240 --> 00:23:10.839 damn thing. 476 00:23:10.839 --> 00:23:11.160 I don't. 477 00:23:11.519 --> 00:23:13.960 I've never put that on any invoice from any of 478 00:23:14.000 --> 00:23:16.279 my good years ever. This you just deal with the 479 00:23:16.319 --> 00:23:18.920 warranty company. You call them up, you get the approval 480 00:23:19.160 --> 00:23:21.799 and that's it. They go over the exact pricing, they 481 00:23:21.839 --> 00:23:24.279 send out an adjuster if it's a certain amount, and 482 00:23:24.319 --> 00:23:27.440 it's the same with every one of them. 483 00:23:28.000 --> 00:23:31.480 Okay, so get the get the recording of the phone 484 00:23:31.519 --> 00:23:35.880 call that yeah. 485 00:23:35.920 --> 00:23:39.240 So so if I remember from this call last week, 486 00:23:39.319 --> 00:23:40.880 this Chelsea week, here, here's what. 487 00:23:40.799 --> 00:23:42.519 I'm going to do. It sounds like you're taking a 488 00:23:42.519 --> 00:23:44.759 breath and you're going to be filled with words, which 489 00:23:44.799 --> 00:23:45.119 I love. 490 00:23:45.319 --> 00:23:46.640 But let's do it after the break. 491 00:23:46.799 --> 00:23:50.039 I'm Tom Martino. Three oh three seven one three talk 492 00:23:50.119 --> 00:23:58.440 seven one three eight two five five go with a 493 00:23:58.480 --> 00:24:02.039 sure thing Denver's Best for excel roofing dot com. You 494 00:24:02.039 --> 00:24:07.839 don't pay a cent until you're content. Time for an 495 00:24:07.839 --> 00:24:12.079 insurance check up, free no obligation comparison call compass insurance 496 00:24:12.240 --> 00:24:15.279 paying too much your coverage at dozens of insurance companies 497 00:24:15.359 --> 00:24:17.359 find out now three oh three seven to seven to 498 00:24:17.400 --> 00:24:20.200 one help You'll think you're his only customer. When you 499 00:24:20.279 --> 00:24:22.720 choose Frank Durand the real Estate Man dot Com to 500 00:24:22.799 --> 00:24:25.960 list your home with Remax Alliance three all three nine 501 00:24:26.000 --> 00:24:28.640 two zero sixteen twenty two. 502 00:24:31.319 --> 00:24:32.440 That's not an easel. 503 00:24:32.519 --> 00:24:35.759 I annoy Hi Tom Archino here three oh three seven 504 00:24:35.839 --> 00:24:39.359 one three talk seven one three eight two five five Okay, 505 00:24:39.480 --> 00:24:42.240 Frank Arand the real estate Man. Free valuations of your home. 506 00:24:42.279 --> 00:24:44.759 It's really important now because prices are all over the place, 507 00:24:44.759 --> 00:24:46.680 and he'll give you an evaluation what your house will 508 00:24:46.720 --> 00:24:50.119 sell for for no charge, no obligation, never an obligation. 509 00:24:50.160 --> 00:24:53.079 He'll go through every single detail three all three nine 510 00:24:53.079 --> 00:24:57.160 two zero sixteen twenty two. It's a free complimentary charge. Really, 511 00:24:57.200 --> 00:25:02.119 no gimmick. Frank Duran the real estate Man dot Come, Arleen, 512 00:25:03.240 --> 00:25:05.519 what's going on with you? Earlene? Now? I remember you 513 00:25:05.559 --> 00:25:08.920 were working with Bo and he did such a wonderful job. 514 00:25:08.960 --> 00:25:10.720 This is a furnace no one would give the time 515 00:25:10.720 --> 00:25:13.359 at day two. They didn't. You know, most old furnaces 516 00:25:13.359 --> 00:25:15.000 now people don't want to fix, they don't want to 517 00:25:15.000 --> 00:25:16.880 get the parts, they don't want to do it. All 518 00:25:16.880 --> 00:25:18.400 they want to do is trash them and get you 519 00:25:18.440 --> 00:25:20.480 a new one. You couldn't afford it, or Len, you 520 00:25:20.480 --> 00:25:26.720 couldn't afford anything and anyway, but he worked really hard. 521 00:25:29.519 --> 00:25:31.920 I just want to call in and thank you. Thanks 522 00:25:32.000 --> 00:25:38.640 everybody so much, train and u JJ have that put 523 00:25:38.640 --> 00:25:42.599 that mogor in Mo did a wonderful job. 524 00:25:42.640 --> 00:25:43.079 Thank you. 525 00:25:44.119 --> 00:25:48.880 Tom did a wonderful job, especially him. 526 00:25:48.920 --> 00:25:49.319 I thank you. 527 00:25:50.359 --> 00:25:54.319 Yeah, I had. I was so cold that stuff. When 528 00:25:54.319 --> 00:25:57.319 I got my furnace, I couldn't believe how much warm 529 00:25:57.400 --> 00:25:58.880 up I became. 530 00:26:00.480 --> 00:26:02.599 Oh that is that's so nice. 531 00:26:03.680 --> 00:26:07.640 Yes, you know what, Deputy Bow, he did a great job. 532 00:26:08.359 --> 00:26:09.880 Yeah, you know. 533 00:26:10.079 --> 00:26:13.480 He had told us your story a few times each 534 00:26:13.559 --> 00:26:15.920 step of the way, like when they went out and 535 00:26:15.960 --> 00:26:18.039 looked at it, when they took out the part, when 536 00:26:18.039 --> 00:26:21.240 they went to train, when they got it donated, when 537 00:26:21.279 --> 00:26:23.640 they got somebody to put it in, bla, all of that. 538 00:26:24.039 --> 00:26:26.279 But we never heard from you directly until now, and 539 00:26:26.319 --> 00:26:28.319 we so appreciate it. Earlene. 540 00:26:29.039 --> 00:26:30.799 Did you are you staying warm now? 541 00:26:31.920 --> 00:26:36.799 Yes? I am one percent warm. 542 00:26:36.880 --> 00:26:38.039 How old are you right now? 543 00:26:39.319 --> 00:26:39.759 I'm sorry? 544 00:26:39.839 --> 00:26:42.599 What how old are you right now? 545 00:26:43.359 --> 00:26:43.519 Oh? 546 00:26:43.640 --> 00:26:44.720 Am eighty two? 547 00:26:47.200 --> 00:26:53.839 You're eighty two, two eighty two? You know what that 548 00:26:53.960 --> 00:26:56.319 You're lucky you called in because we don't help people 549 00:26:56.359 --> 00:26:58.799 over eighty two. We only help them up to age 550 00:26:58.799 --> 00:27:01.440 eighty two. So you got in just under the wire. 551 00:27:02.279 --> 00:27:05.319 Oh well, that's wonderful, that's wonderful. 552 00:27:05.400 --> 00:27:07.920 I'm just kidding her, ear Lene. I'm just getting we'll 553 00:27:07.960 --> 00:27:11.319 help anyone. But you know what, I'm glad that you're 554 00:27:11.359 --> 00:27:15.079 staying warm. Thank you for and your daughter, by the way, 555 00:27:15.279 --> 00:27:17.680 she works two days a week and tries to uh, 556 00:27:18.119 --> 00:27:20.880 she tries to work out, you know, work help you out. 557 00:27:21.240 --> 00:27:23.599 And then she's got You got two grandchildren. How are 558 00:27:23.640 --> 00:27:33.000 they doing? Are they just graduated? Are they going to college? 559 00:27:30.759 --> 00:27:31.559 If you. 560 00:27:33.519 --> 00:27:40.000 Can talk, I imagine they are. Anyway, So we're we're back. Okay, 561 00:27:40.079 --> 00:27:40.759 thank you, Earlene. 562 00:27:40.839 --> 00:27:44.039 I appreciate that boat. I'm glad everything's working well. And 563 00:27:44.119 --> 00:27:47.039 you've got basically have a new furnace with a new parts. 564 00:27:48.279 --> 00:27:51.440 No, no, I know that's what I you know, bo, bo, 565 00:27:51.599 --> 00:27:55.200 that's a really good thing you bring up. People don't 566 00:27:55.240 --> 00:27:58.119 do parts anymore. They do either remove and replace if 567 00:27:58.160 --> 00:28:00.440 it's big enough, or they just replace it. Now, before 568 00:28:00.480 --> 00:28:01.960 we went to break, you were going to say something 569 00:28:02.000 --> 00:28:04.000 about the warranty issue. Go ahead, first one, you give 570 00:28:04.039 --> 00:28:04.559 you my dinger. 571 00:28:05.359 --> 00:28:07.279 I don't know that's that's for the first I already 572 00:28:07.319 --> 00:28:09.559 got done for this one, but early. And I'm so 573 00:28:09.680 --> 00:28:12.319 happy for you, I know. So you got to have 574 00:28:12.480 --> 00:28:19.480 a suggestion for Dimitri. So Chelsea what she called last week, 575 00:28:20.119 --> 00:28:24.480 she went to another company and she got a diagnostic 576 00:28:24.640 --> 00:28:27.039 done with the photographs. 577 00:28:26.480 --> 00:28:30.359 And the data before before. But why can't we go 578 00:28:31.359 --> 00:28:32.680 to this other company. 579 00:28:32.759 --> 00:28:35.759 Have Chelsea go to this other company and get this 580 00:28:36.079 --> 00:28:39.240 data and photographs and submit it to the warranty company 581 00:28:39.240 --> 00:28:42.559 because they probably wouldn't mind where the data. I think 582 00:28:42.640 --> 00:28:45.240 that's the issue that the warranty company does not want 583 00:28:45.319 --> 00:28:47.960 to pay because they don't have this data and photographs. 584 00:28:48.039 --> 00:28:50.119 Yeah, they're not anybody. They're not going to care about 585 00:28:50.160 --> 00:28:52.880 any of that though. But another company did all the 586 00:28:52.960 --> 00:28:56.920 warranty company. They're simply Although we have in the past 587 00:28:57.000 --> 00:29:00.160 when people when procedures weren't followed properly, we have in 588 00:29:00.240 --> 00:29:03.640 the past, not necessarily auto repair companies, but we always 589 00:29:03.759 --> 00:29:07.319 pose the question, what if it really was needed and 590 00:29:07.480 --> 00:29:09.279 it was this, and it was that, and we can 591 00:29:09.359 --> 00:29:11.240 show that to you, would you make a different would 592 00:29:11.240 --> 00:29:14.960 you make an exception? I mean, we never really did 593 00:29:15.039 --> 00:29:17.079 that with a situation like. 594 00:29:17.200 --> 00:29:20.839 This, but Tom and bo In my view, warranty these 595 00:29:20.880 --> 00:29:24.119 warranty companies exist for two primary purposes. One is to 596 00:29:24.200 --> 00:29:27.160 collect premiums and the second is to deny claim. 597 00:29:27.240 --> 00:29:27.599 That's right. 598 00:29:28.039 --> 00:29:30.640 So even if we could make the case that they 599 00:29:30.759 --> 00:29:34.440 would have paid something for this repair, their case rests 600 00:29:34.599 --> 00:29:37.519 not on that but on the bald all capital printing 601 00:29:37.920 --> 00:29:40.880 that spells out the procedures that must be followed. Or 602 00:29:41.119 --> 00:29:44.759 and I'm quoting directly from the contract, your claim will 603 00:29:44.839 --> 00:29:47.880 be denied, and I just off. 604 00:29:47.799 --> 00:29:51.279 With the warranty company. They would have to she would 605 00:29:51.359 --> 00:29:56.079 have to basically, she'd basically have to have a lawsuit 606 00:29:56.119 --> 00:29:57.599 in order to get to that recording. 607 00:29:58.240 --> 00:30:01.000 They're simply not going to give that record. Boarding out period, 608 00:30:01.599 --> 00:30:03.000 end of story, you know. 609 00:30:03.519 --> 00:30:09.359 So that's that. Yeah, yeah, so okay, hey, we got 610 00:30:09.440 --> 00:30:13.599 two hours out of it. Now what we have here, Mark, 611 00:30:13.759 --> 00:30:20.079 is this, We have the mechanic, and then we have, 612 00:30:20.480 --> 00:30:26.279 in uh Mark's estimation, the warranty company. Heavenly, okay, let's 613 00:30:26.319 --> 00:30:28.880 move on. Three O three seven one three talk seven 614 00:30:28.920 --> 00:30:31.359 one three eight two five five. By the way, any 615 00:30:31.480 --> 00:30:34.240 warranty companies want to advertise, you got Mark right there 616 00:30:34.440 --> 00:30:40.119 willing to carry your water because you are holy well. 617 00:30:40.039 --> 00:30:42.880 First of all, I did the entire poll, and you know, 618 00:30:43.119 --> 00:30:44.480 out of a basically one hundred and. 619 00:30:44.480 --> 00:30:46.960 Oh yeah, like I really care, I really care about 620 00:30:46.960 --> 00:30:49.960 the morons. I really care. That really tells me to 621 00:30:50.160 --> 00:30:52.200 say it would never have happened that way. We had 622 00:30:52.240 --> 00:30:54.920 Jeff vic say it would have never have happened that way. 623 00:30:55.000 --> 00:30:59.720 They both think it was course of what fault. Yeah, 624 00:31:00.079 --> 00:31:02.720 so he should eat the entire repair. We've already established 625 00:31:02.839 --> 00:31:06.759 should should But yeah, at the point he's at, that's true, 626 00:31:07.119 --> 00:31:10.440 and that that we agree on. We absolutely agree. Cost 627 00:31:10.519 --> 00:31:14.519 your money? What'd you say, dragons? But I wouldn't cost 628 00:31:14.559 --> 00:31:18.400 your money. Yeah, hey, Kelly, if you could do me 629 00:31:18.480 --> 00:31:21.759 a favor, and uh and and look at your text. 630 00:31:21.759 --> 00:31:24.119 And I'm going to ask a pretty quick question here 631 00:31:24.279 --> 00:31:27.519 on something anyway. So three o three seven one three 632 00:31:27.640 --> 00:31:30.000 eight two five five one thing I do want to 633 00:31:30.000 --> 00:31:31.759 talk about. We got to take a quick break again. 634 00:31:31.839 --> 00:31:34.400 But and I'm just gonna say this, and I know 635 00:31:34.640 --> 00:31:37.400 I know there'd be people that won't agree. That was 636 00:31:37.519 --> 00:31:40.440 the best Academy Awards Oscar show I have ever seen, 637 00:31:40.640 --> 00:31:43.880 never watched it, the best I've ever seen, the best speeches, 638 00:31:44.359 --> 00:31:48.200 the best, the best awards, the best the best host 639 00:31:48.680 --> 00:31:52.480 Conan O'Brien, and his open was I'm telling you, I 640 00:31:52.759 --> 00:31:55.319 see Stephanie wanted to watch it, and I hate watching 641 00:31:55.400 --> 00:31:57.400 these things. First, I don't want to be preached to. 642 00:31:57.720 --> 00:31:59.400 I don't want to hear about all the problems and 643 00:31:59.480 --> 00:32:03.279 how everybody is damned and is because of Republicans. Okay, 644 00:32:03.440 --> 00:32:06.559 that's normally what an award show is. Not anything like it, 645 00:32:06.759 --> 00:32:09.400 Nothing like it, nothing, nothing, nothing political. 646 00:32:09.799 --> 00:32:14.599 But it was wonderful. I Conan O'Brien is a talented man. 647 00:32:15.160 --> 00:32:17.720 Well obviously he didn't write everything, but you guys ought 648 00:32:17.799 --> 00:32:19.400 to go back and catch some of it. See if 649 00:32:19.440 --> 00:32:22.559 anybody else did. What a wonderful show. I really and 650 00:32:22.640 --> 00:32:25.079 I hate those shows. We got more coming right up. 651 00:32:31.160 --> 00:32:34.440 Go with a sure thing Denver's best roofer Excel roofing 652 00:32:34.519 --> 00:32:37.160 dot com. You don't pay a cent until you're content. 653 00:32:40.559 --> 00:32:43.720 Time for an insurance check up free, no obligation. In comparison, 654 00:32:43.880 --> 00:32:47.400 call Compass insurance paying too much your coverage at dozens 655 00:32:47.440 --> 00:32:50.160 of insurance companies find out now three O three seven 656 00:32:50.160 --> 00:32:52.519 to seven to one help. You'll think you're his only 657 00:32:52.640 --> 00:32:55.039 customer when you choose Frank durand the Real Estate Man 658 00:32:55.160 --> 00:32:58.519 dot com to list your home with Remax Alliance three 659 00:32:58.759 --> 00:33:04.079 three nine two zero sixty twenty two. So we're talking 660 00:33:04.119 --> 00:33:05.680 about the Academy Awards a little bit. 661 00:33:05.799 --> 00:33:07.160 We don't have a lot of time to do that. 662 00:33:07.240 --> 00:33:10.440 But you know the winning movie six million dollars that 663 00:33:10.519 --> 00:33:12.480 took to make, and they didn't use the studio. And 664 00:33:12.680 --> 00:33:15.480 now one of the reasons, I think most fifteen million dollars, 665 00:33:15.559 --> 00:33:16.319 that's peanuts. 666 00:33:17.720 --> 00:33:19.480 Oh it's less than peanuts. 667 00:33:19.519 --> 00:33:22.960 In fact, I think one of the reasons is because 668 00:33:22.960 --> 00:33:26.039 they didn't have a marketing budget. But my god, it's 669 00:33:26.119 --> 00:33:30.200 amazing to me that. I mean, I not only didn't 670 00:33:30.200 --> 00:33:32.920 I ever hear the movie, I never heard of the director, 671 00:33:33.039 --> 00:33:36.559 the screenwriter, the actors anyone. Anyway, we have a lot 672 00:33:36.640 --> 00:33:39.319 more to talk about on The Troubleshooter Show three three 673 00:33:39.480 --> 00:33:42.200 seven one three Talks seven one three eight two five five. 674 00:33:42.519 --> 00:33:45.519 Will continue with any all problems, questions and complaints you have. 675 00:33:46.000 --> 00:33:49.240 And of course we'll never forget the all important surveys 676 00:33:49.400 --> 00:33:52.519 done on the YouTube poll because we know the morons 677 00:33:52.759 --> 00:33:56.599 know absolutely everything, So stay tuned for that. We are 678 00:33:57.200 --> 00:34:03.119 the consumer show coming up next. Go with a sure 679 00:34:03.240 --> 00:34:06.640 thing Denver's Best Roofer Excel roofing dot com. You don't 680 00:34:06.680 --> 00:34:12.679 pay a cent until you're content. Time for an insurance 681 00:34:12.800 --> 00:34:16.440 check up free, no obligation. In comparison, call Compass Insurance. 682 00:34:16.639 --> 00:34:19.639 Pay too much your coverage at dozens of insurance companies 683 00:34:19.760 --> 00:34:22.320 find out now three oh three seven seven to one help. 684 00:34:22.480 --> 00:34:25.159 You'll think you're his only customer when you choose Frank 685 00:34:25.199 --> 00:34:27.639 durand the real estate Man dot com to list your 686 00:34:27.679 --> 00:34:30.800 home with Remax Alliance three oh three nine two zero 687 00:34:30.920 --> 00:34:42.199 sixteen twenty two. Yeah, rit news you need so you 688 00:34:42.360 --> 00:34:42.719 don't have. 689 00:34:45.000 --> 00:34:47.400 Come run ins as as we can. 690 00:34:48.679 --> 00:34:49.960 Shooter's gonna help. 691 00:34:50.239 --> 00:34:52.960 Come man, this is. 692 00:34:53.000 --> 00:34:59.519 The Troubleshooter Show. No Tom Martino, Hi Tom Martino, your 693 00:34:59.559 --> 00:35:02.360 troublesh three oh three seven one three talks seven one 694 00:35:02.400 --> 00:35:04.960 three eight two five five. We're here to help you 695 00:35:05.079 --> 00:35:07.800 solve problems, to answer questions, to take complaints, to make 696 00:35:07.840 --> 00:35:09.480 your life a little easier, as we've been doing for 697 00:35:09.599 --> 00:35:10.880 forty five years or more. 698 00:35:11.400 --> 00:35:13.039 And you know what, we love what we do. 699 00:35:13.639 --> 00:35:17.639 We even love it when we get problems we can't solve, 700 00:35:17.719 --> 00:35:20.519 but there are lessons to be learned. Then there are 701 00:35:20.559 --> 00:35:24.000 problems we can solve. And uh, there's all kinds of 702 00:35:24.079 --> 00:35:26.960 in betweens. Uh, let's do this follow up right here, 703 00:35:27.320 --> 00:35:29.719 and our number to call any time, by the way, 704 00:35:29.760 --> 00:35:33.079 twenty four to seven. You can use three oh three Martino, 705 00:35:33.199 --> 00:35:36.320 three oh three six two seven eight four six six. 706 00:35:36.440 --> 00:35:38.280 But when we're in the studio, you can also call 707 00:35:38.840 --> 00:35:41.039 the iHeart line, which is three oh three seven one 708 00:35:41.119 --> 00:35:43.400 three talks seven one three eight two five five, and 709 00:35:43.480 --> 00:35:46.519 of course on the iHeart app if you're listening, no 710 00:35:46.599 --> 00:35:49.599 matter when, remember the three oh three Martino and uh, 711 00:35:49.800 --> 00:35:54.039 we welcome our friends also in Colorado Springs around this 712 00:35:54.199 --> 00:35:55.960 hour brought to you by Compass Insurance. By the way, 713 00:35:56.039 --> 00:35:58.320 get your insurance check up three oh three nine nine six, 714 00:35:58.440 --> 00:36:01.519 nine thousand. Just please make sure you're not under insured, 715 00:36:01.760 --> 00:36:04.199 make sure you're not paying too much for insurance, and 716 00:36:04.280 --> 00:36:07.039 they'll do an honest review three or three nine ninety six, 717 00:36:07.159 --> 00:36:11.119 nine thousand. So Joe wants to talk about an issue 718 00:36:11.159 --> 00:36:14.199 with a contractor working with BO. So Joe, when did 719 00:36:14.280 --> 00:36:16.960 you call in, sir, I'm trying to find your call. 720 00:36:17.880 --> 00:36:20.840 I'm trying to find it. I'm looking at my history. 721 00:36:20.880 --> 00:36:24.519 We called in on November eighteenth and the eleven am hour. 722 00:36:24.920 --> 00:36:26.760 Oh, oh my goodness. 723 00:36:26.880 --> 00:36:31.920 November November Wow, that's ancient history. 724 00:36:32.039 --> 00:36:32.199 Joe. 725 00:36:32.320 --> 00:36:35.039 What happened November fifth? Thank you, by the way, bo 726 00:36:35.199 --> 00:36:36.480 for keeping such good records. 727 00:36:36.719 --> 00:36:38.440 What's going on, Joe? 728 00:36:39.480 --> 00:36:42.920 Back back in late September of last year, an old 729 00:36:43.000 --> 00:36:47.440 friend of mine posted up on Facebook that, Hey, this 730 00:36:47.599 --> 00:36:51.400 company I'm working with we're getting into plumbing. I need 731 00:36:51.519 --> 00:36:54.000 some help with the boiler package. Can anybody out there 732 00:36:54.079 --> 00:36:56.679 help me? Well, I still have an open account at 733 00:36:56.719 --> 00:36:58.519 one of the supply houses, and I've known a guy 734 00:36:58.639 --> 00:37:01.199 fifteen or so years. I thought he was a good friend. 735 00:37:01.679 --> 00:37:05.039 He's promising to pay cash. I said, absolutely, let me 736 00:37:05.159 --> 00:37:06.719 just get it set up for you to be able 737 00:37:06.760 --> 00:37:09.639 to do it. So he goes and charges fifty four 738 00:37:09.679 --> 00:37:13.760 hundred bucks worth of materials and no problem. He gets 739 00:37:13.760 --> 00:37:14.800 his installation. He does. 740 00:37:14.840 --> 00:37:18.079 I think I remember hearings. Did I take this call 741 00:37:18.239 --> 00:37:19.079 or did Mark take it? 742 00:37:20.079 --> 00:37:22.159 I come, I think you might have. 743 00:37:23.519 --> 00:37:27.679 You came home about mechanics. I can't find it for 744 00:37:27.840 --> 00:37:29.760 some reason, but it's not a big deal. I can't 745 00:37:29.800 --> 00:37:31.599 find it, but keep going. What happened then? 746 00:37:31.760 --> 00:37:33.960 Well, anyway, the bill comes in the first of the 747 00:37:34.039 --> 00:37:37.199 month and I'm like, okay, Tim, Hey buddy, I need 748 00:37:37.280 --> 00:37:38.719 to get paid. What do I need to do here, 749 00:37:39.159 --> 00:37:42.159 and he said, yeah, send me the invoices. I send 750 00:37:42.199 --> 00:37:45.119 him the invoices and then he think, oh, well, hey, 751 00:37:45.280 --> 00:37:47.280 I have to go through the money guy, my partner, 752 00:37:47.559 --> 00:37:49.559 so you need to send it to him. So I 753 00:37:49.679 --> 00:37:51.960 sent it to him, and they promised to send me checks, 754 00:37:52.679 --> 00:37:54.880 and I mean I sent them both the invoice and 755 00:37:55.000 --> 00:37:57.119 everything else. And as we got closer to the twenty 756 00:37:57.159 --> 00:37:59.639 fifth of the month, I wanted up have to pay 757 00:37:59.719 --> 00:38:04.119 the home build up my pocket because I can't afford 758 00:38:04.159 --> 00:38:08.079 to lose my account. You know. Wow, I paid the 759 00:38:08.199 --> 00:38:14.000 vendor the whole thing, and we're this whole time. I 760 00:38:14.119 --> 00:38:16.480 don't know exactly where my buddy lives. I know he 761 00:38:16.599 --> 00:38:21.079 lived in Parker, you know, he's moved back from Arizona 762 00:38:21.159 --> 00:38:24.400 up to Hear. Anyway, I start doing some research on 763 00:38:24.480 --> 00:38:27.880 the company and I find our office and he finally 764 00:38:28.400 --> 00:38:30.760 finally tells me, Hey, the check's ready to pick up 765 00:38:32.800 --> 00:38:35.280 and it's going to be in this truck. And I'm like, well, 766 00:38:35.800 --> 00:38:38.880 send me a picture of your truck, dude, I don't 767 00:38:38.920 --> 00:38:41.199 want people thinking of breaking into trucks. Is when I 768 00:38:41.280 --> 00:38:44.360 get there, I finally get a check for three grand 769 00:38:44.559 --> 00:38:48.119 out of the fifty four hundred and it says partial payment, 770 00:38:48.239 --> 00:38:51.280 and it's on a temporary check, you know, like the 771 00:38:51.360 --> 00:38:53.320 first check you get from a bank when you'll be 772 00:38:53.400 --> 00:38:55.599 a council. There's nothing more. Yeah, I got it number 773 00:38:55.679 --> 00:38:58.719 on there. Well got it. My bank looked at that 774 00:38:58.840 --> 00:39:01.320 and said, now we're not going to touch it. I said, well, 775 00:39:01.360 --> 00:39:03.119 what do I do? They said, take it to his bank. 776 00:39:03.159 --> 00:39:06.519 They converted to Cheshire check, bring it back here. We're good, 777 00:39:07.079 --> 00:39:09.360 good to go. I said, okay, So I went to 778 00:39:09.480 --> 00:39:13.760 his bank. They said, mister Kulan, we can't do this it. 779 00:39:15.599 --> 00:39:19.519 There's not enough money in account to cover this check anyway. 780 00:39:19.559 --> 00:39:21.000 Bottom line, where are we going with this? 781 00:39:21.159 --> 00:39:21.280 Bro? 782 00:39:21.599 --> 00:39:24.880 I mean, so you got screwed by a buddy bottom. 783 00:39:25.119 --> 00:39:27.760 I've been ripped off by buddy and by his company. 784 00:39:28.239 --> 00:39:32.000 And I filed a lean against the home. But in 785 00:39:32.159 --> 00:39:35.480 order to foreclose the lian, it's going to cost me 786 00:39:35.559 --> 00:39:37.639 ten twelve grand, which I can't get back. 787 00:39:38.280 --> 00:39:42.800 No, no, no, that is that is that is absolutely 788 00:39:42.920 --> 00:39:46.880 not so, sir. And I found your call. So okay, 789 00:39:46.960 --> 00:39:49.000 you got a judgment for how much? How much do 790 00:39:49.039 --> 00:39:49.760 you have the judgment? 791 00:39:49.880 --> 00:39:53.119 Have no judgment, Tom. What I have is I still 792 00:39:53.199 --> 00:39:57.599 have about twenty four hundred dollars outstanding in order for me. 793 00:39:57.960 --> 00:40:03.920 Since I loaned the material basically through my LLC, I 794 00:40:04.039 --> 00:40:06.880 can't represent myself in court and I can follow the 795 00:40:07.000 --> 00:40:07.880 lean which I did. 796 00:40:09.360 --> 00:40:13.719 You absolutely, you absolutely can represent your LLC. I don't 797 00:40:13.760 --> 00:40:16.559 have any idea what you're talking about. Is it a 798 00:40:16.679 --> 00:40:18.119 single person LLC? 799 00:40:18.880 --> 00:40:22.159 All right, my company is a single person LLC. 800 00:40:22.559 --> 00:40:26.679 Yeah, then it's a disregarded entity for purposes of legal procedures. 801 00:40:27.000 --> 00:40:30.159 You can go to court and and it has nothing 802 00:40:30.199 --> 00:40:32.039 to do with it. You can go to court and 803 00:40:32.159 --> 00:40:34.960 you can sue. Okay, you can sue for your money. 804 00:40:35.239 --> 00:40:37.360 But here's what I want to know. How did you 805 00:40:37.400 --> 00:40:39.280 get the rest of the money? Was it just because 806 00:40:39.920 --> 00:40:42.159 he just accidentally did the right thing? 807 00:40:42.480 --> 00:40:42.519 No? 808 00:40:42.800 --> 00:40:45.960 I can answer that one, Tom. We just kept uh. 809 00:40:46.360 --> 00:40:49.400 I talked to my bank and he made my bank 810 00:40:49.519 --> 00:40:52.599 president made a call to his bank, and he gave 811 00:40:52.719 --> 00:40:55.239 us some ideas on how he could just keep slamming 812 00:40:55.280 --> 00:40:56.239 the check into the bank. 813 00:40:56.320 --> 00:40:59.159 And he did get some money. So I do want 814 00:40:59.199 --> 00:41:01.599 to know the guy only got how much? How much 815 00:41:01.679 --> 00:41:03.320 did you finally get half of it? Right? 816 00:41:03.960 --> 00:41:07.360 I have three thousand, got it of fifty, So I'd 817 00:41:07.440 --> 00:41:09.800 like to speed this up a little bit, Joe, you know, 818 00:41:10.119 --> 00:41:11.920 so the crux of the man. We've been working on 819 00:41:12.039 --> 00:41:16.960 this since November. Joe properly filed the mechanics lane. He 820 00:41:17.039 --> 00:41:22.599 got some advice from Brad O'Brien and he wants to 821 00:41:23.559 --> 00:41:26.679 for a clothes on the lean and he wants to 822 00:41:26.800 --> 00:41:30.119 file a less pendance. So our question is can he 823 00:41:30.440 --> 00:41:34.320 legally file? Can he file the less pendance without a lawyer? 824 00:41:35.039 --> 00:41:38.679 And Will Well, you can do anything without a lawyer. 825 00:41:38.679 --> 00:41:40.400 It's not a requirement you have a lawyer, but it's 826 00:41:40.519 --> 00:41:41.440 very difficult to do. 827 00:41:42.039 --> 00:41:42.320 Okay. 828 00:41:42.480 --> 00:41:45.920 Now, the next question is can Joe recover the cost 829 00:41:46.119 --> 00:41:49.639 because he got quotes of like ten thousand dollars to 830 00:41:49.800 --> 00:41:51.719 go to court the fun Kales mechanics. 831 00:41:52.000 --> 00:41:52.760 Let's talk about this. 832 00:41:53.280 --> 00:41:56.880 He has a twenty five hundred dollars balance for the 833 00:41:57.159 --> 00:41:59.239 and he put a lien on for the balance. Is 834 00:41:59.280 --> 00:42:04.039 that right? Okay? That you're very very good so far. 835 00:42:04.480 --> 00:42:06.920 So you got a lean for twenty five hundred. Is 836 00:42:07.000 --> 00:42:09.000 that home meant to be sold or is it his 837 00:42:09.119 --> 00:42:10.880 personal residence or is it a client? 838 00:42:11.280 --> 00:42:12.000 It's a client. 839 00:42:12.199 --> 00:42:15.679 It's a multi million dollar home in Castle Pines of 840 00:42:15.719 --> 00:42:19.559 a lab And why isn't this owner of the house 841 00:42:19.760 --> 00:42:22.519 making noise to get it paid? Why wouldn't this owner care? 842 00:42:22.639 --> 00:42:23.920 So you can answer that one, Joe. 843 00:42:24.960 --> 00:42:28.360 Well, she's saying, I've already paid for all of. 844 00:42:28.440 --> 00:42:31.519 This, and now she can get out of it. 845 00:42:31.639 --> 00:42:34.480 You know, you understand that if you go through all 846 00:42:34.639 --> 00:42:39.039 this trouble to foreclothes on this Lian, she can get 847 00:42:39.079 --> 00:42:42.960 out of it. She's got an affirmative defense, big time. Yeah, 848 00:42:43.119 --> 00:42:45.880 and tell her what telling Mark what he has to 849 00:42:46.880 --> 00:42:48.519 sho you at the homeowner. He's paid. 850 00:42:48.599 --> 00:42:52.159 It hits her primary residence in Colorado, and she can 851 00:42:52.280 --> 00:42:56.519 show that she paid the contractor the g the GC 852 00:42:56.800 --> 00:43:00.239 in full, that Lian will drop or you'll lose your 853 00:43:00.320 --> 00:43:04.440 court case. It's an affirmative defense, meaning that's her whole defense. 854 00:43:05.239 --> 00:43:08.079 Does it matter, so, Joe, if she really did pay 855 00:43:08.320 --> 00:43:11.920 just one second, Joe, one second, If she really did 856 00:43:12.159 --> 00:43:16.360 pay the general or the plumber in full, or the 857 00:43:16.440 --> 00:43:19.639 plumbing supplier or anyone, that's all she has to do 858 00:43:20.400 --> 00:43:22.760 and she can get out of this lean and your 859 00:43:22.880 --> 00:43:24.079 lean will be dismissed. 860 00:43:25.000 --> 00:43:29.559 Okay, Now, does it matter if her primary residence is 861 00:43:29.679 --> 00:43:30.760 owned by a business. 862 00:43:32.519 --> 00:43:34.920 No, you're you're nitpicking there. I don't believe so. 863 00:43:35.079 --> 00:43:38.000 Now I'm just asking it's owned by a business. 864 00:43:38.039 --> 00:43:40.199 But let me ask you this. Do you not believe her? 865 00:43:40.519 --> 00:43:42.079 But Joe, do you not believe her? 866 00:43:42.199 --> 00:43:44.800 Do you think she's trying to screw you to No? 867 00:43:45.320 --> 00:43:48.280 I absolutely believe her. But she is ticked off me 868 00:43:49.079 --> 00:43:51.360 because I come to find out that the guy is 869 00:43:51.440 --> 00:43:55.119 not a license general contractor, he's not a licensed mechanical contractor. 870 00:43:55.159 --> 00:43:58.039 He's not a licensed plumber. Hell, he even lied about 871 00:43:58.079 --> 00:43:59.639 his journeyman plumbing's license. 872 00:44:00.639 --> 00:44:03.599 So I called, so, what does this have to do 873 00:44:03.719 --> 00:44:04.400 with the homeowner? 874 00:44:05.960 --> 00:44:06.280 Pardon? 875 00:44:08.000 --> 00:44:08.880 What does this have to do? 876 00:44:09.199 --> 00:44:12.360 You shouldn't be crossways with this homeowner. She's a victim too. 877 00:44:13.440 --> 00:44:15.960 She's angry at me because I followed the lean against 878 00:44:16.000 --> 00:44:18.400 her home when she's already paid for everything. She's like, 879 00:44:18.719 --> 00:44:21.079 my problem is with aterneral contract or, not with her. 880 00:44:21.320 --> 00:44:22.920 Well, she can get that. 881 00:44:23.119 --> 00:44:25.840 Look as soon as she goes to an attorney, any 882 00:44:25.920 --> 00:44:27.880 attorney worth their weight is going to know how to 883 00:44:27.920 --> 00:44:29.719 get out of this lean. The lien is going to 884 00:44:29.760 --> 00:44:32.159 be You're going to just end up letting it drop off. 885 00:44:32.239 --> 00:44:34.000 You realize you got to take her to court and 886 00:44:34.079 --> 00:44:36.519 actually get a judgment that's part of getting the lean. 887 00:44:37.480 --> 00:44:40.199 Yeah, that's part of you got Well, you have to start. 888 00:44:40.920 --> 00:44:42.639 You don't necessarily have to get a judgment, but you 889 00:44:42.800 --> 00:44:46.280 have to start for closure within how no, no'st He 890 00:44:46.599 --> 00:44:50.079 absolutely has to take her to court and win whatever 891 00:44:50.239 --> 00:44:54.559 he's leaning her house for. That's part of perfecting the lean. 892 00:44:54.800 --> 00:44:59.000 Then he can go forward with foreclosure or trying to 893 00:44:59.079 --> 00:44:59.880 collect or doing what. 894 00:45:01.400 --> 00:45:03.239 Okay, I thought it was done in one fell swoop, 895 00:45:03.320 --> 00:45:05.320 but it doesn't matter. Whatever it is you have to 896 00:45:05.400 --> 00:45:06.920 do within four months. Did you do it? 897 00:45:07.239 --> 00:45:09.960 He did it all within time? And Tom, I think 898 00:45:10.119 --> 00:45:12.480 Joe has a right to put a mechanics lean on 899 00:45:12.639 --> 00:45:16.400 the property, whether it's her property or rental, because that's 900 00:45:16.440 --> 00:45:19.079 what the mechanics lean is all about, is to protect 901 00:45:19.159 --> 00:45:19.760 the contract. 902 00:45:19.800 --> 00:45:22.760 Bo Bo, did you bo help me here? Did you 903 00:45:22.880 --> 00:45:24.920 hear anyone say he does not have a right to 904 00:45:24.960 --> 00:45:25.679 put a lien on there? 905 00:45:26.360 --> 00:45:29.239 I think he does because she did pay Bo. 906 00:45:29.519 --> 00:45:34.119 Did you hear anyone say he does not have a 907 00:45:34.360 --> 00:45:37.800 right to put a lien on the home? Now? 908 00:45:37.920 --> 00:45:39.880 I thought you guys are saying that he didn't and 909 00:45:40.000 --> 00:45:40.800 it could be dropped. 910 00:45:41.280 --> 00:45:44.440 The lean could be No, here's what we said. You 911 00:45:44.559 --> 00:45:47.360 can put a lean on a ham sandwich if you want. 912 00:45:47.880 --> 00:45:52.280 What we were saying is, according to the laws of Colorado, 913 00:45:53.039 --> 00:45:57.559 he has a she has an affirmative defense that can 914 00:45:57.679 --> 00:46:01.519 get it dismissed tomorrow, whether you like it or not. 915 00:46:02.079 --> 00:46:06.320 That's the way it is, unl unless the home is 916 00:46:06.480 --> 00:46:10.639 not his prime If the home is not her primary residence, 917 00:46:11.960 --> 00:46:16.840 then that's different. But if it's her primary residence, then 918 00:46:16.920 --> 00:46:19.119 she can get it dismissed pretty much he needs. 919 00:46:19.199 --> 00:46:23.039 The property must be an existing single family dwelling unit 920 00:46:23.440 --> 00:46:27.679 that the owner occupies as their primary residence, and the 921 00:46:27.840 --> 00:46:31.199 owner must have paid the full contract amount. 922 00:46:33.039 --> 00:46:34.800 I believe to be on the shadow of a doubt 923 00:46:34.840 --> 00:46:38.760 that she did, so the lane's basically worthless. 924 00:46:39.159 --> 00:46:41.679 What you guys are saying, since it's her primary residences. 925 00:46:41.840 --> 00:46:45.119 If she's stupid and doesn't hire an attorney that would 926 00:46:45.239 --> 00:46:47.119 use that reformative defense. 927 00:46:49.000 --> 00:46:51.920 But there is another way around this, Joe, why don't 928 00:46:51.960 --> 00:46:55.320 you just get the twenty five hundred reduced to a 929 00:46:55.440 --> 00:46:57.079 judgment in small claims court? 930 00:46:59.239 --> 00:47:05.039 Well, I've I've had issues with small claim court collections. 931 00:47:07.000 --> 00:47:08.639 Well, hold on, hold on. 932 00:47:08.760 --> 00:47:09.000 Hold on. 933 00:47:09.119 --> 00:47:12.159 You said two different Joe, you said two different things. 934 00:47:12.480 --> 00:47:16.039 You had issues with small claims court and collections. Which 935 00:47:16.079 --> 00:47:17.159 one did you have the issue with? 936 00:47:17.880 --> 00:47:20.920 Well, I got my judgment on a different case totally 937 00:47:21.400 --> 00:47:25.599 in small goods good and then was never able to 938 00:47:25.719 --> 00:47:26.360 collect a debt. 939 00:47:27.760 --> 00:47:28.639 Now why was that? 940 00:47:29.000 --> 00:47:29.280 Tell me? 941 00:47:29.360 --> 00:47:31.280 I want to know why why were you able to 942 00:47:31.400 --> 00:47:32.800 collect ton? 943 00:47:33.000 --> 00:47:37.960 Because the sorry soob lied and he refused to pay 944 00:47:38.039 --> 00:47:41.199 the money and the court doesn't give you any real 945 00:47:41.280 --> 00:47:43.840 way to force them to pay the money. 946 00:47:44.559 --> 00:47:49.039 So it only we're right, Joe. But Joe, kind of right, 947 00:47:49.199 --> 00:47:52.440 You're kind of right. They can hide and squirm and 948 00:47:52.599 --> 00:47:55.880 it's a pain in the ass. But what you don't understand, 949 00:47:56.039 --> 00:47:58.599 or maybe you do, maybe you do. You can take 950 00:47:58.679 --> 00:48:02.400 the twenty five judgment you get here, and when you 951 00:48:02.519 --> 00:48:05.880 go after the guy, you can hire a legit collection 952 00:48:06.039 --> 00:48:09.000 attorney who can add the cost of their collection on 953 00:48:09.119 --> 00:48:13.280 top of it. That may be the way to go, Joe. 954 00:48:13.840 --> 00:48:14.679 Is this hiring a too? 955 00:48:14.880 --> 00:48:17.400 I have to do to do the collection? 956 00:48:17.559 --> 00:48:19.480 And if you get a real now now, I will 957 00:48:19.559 --> 00:48:22.280 tell you, Joe, there might be some that will be 958 00:48:22.400 --> 00:48:26.840 hesitant to take a small judgment like this, but if 959 00:48:26.880 --> 00:48:30.280 they can add to it the cost of collections and 960 00:48:30.400 --> 00:48:33.880 you get a normal default, I'm missing something. I want 961 00:48:33.960 --> 00:48:36.960 to ask him again, do you have a judgment? 962 00:48:37.920 --> 00:48:37.960 No? 963 00:48:38.639 --> 00:48:39.920 Well, no he doesn't. 964 00:48:40.199 --> 00:48:42.599 Well then, I mean he's got to perfect that lean. 965 00:48:42.920 --> 00:48:44.079 Do you not understand you? 966 00:48:44.480 --> 00:48:44.639 Mark? 967 00:48:44.719 --> 00:48:47.559 Take Mark, we're not talking about the lean now, Mark, 968 00:48:47.719 --> 00:48:50.440 We're not talking about the lean any longer, because he 969 00:48:50.519 --> 00:48:52.360 can go through all that trouble for the lean and 970 00:48:52.440 --> 00:48:54.280 she can get it dismissed. That's when we were talking 971 00:48:54.280 --> 00:48:56.880 about just the twenty just the twenty five hundred. She 972 00:48:57.000 --> 00:49:00.880 owes that this guy owes directly the contor get a 973 00:49:00.960 --> 00:49:03.639 judgment for that twenty five hundred, and then he can 974 00:49:03.840 --> 00:49:08.599 get somebody to collect it. I mean it's gonna cost 975 00:49:08.639 --> 00:49:12.920 you fifty bucks to do it, Joe, get a judgment. Yeah, 976 00:49:13.920 --> 00:49:22.960 I'm Tom Martino. We have more coming up. Go with 977 00:49:23.079 --> 00:49:26.519 a sure thing Denver's Best Roofer Excel Roofing dot com. 978 00:49:26.679 --> 00:49:32.400 You don't pay a cent until you're content. Time for 979 00:49:32.480 --> 00:49:36.760 an insurance checkup free no obligation comparison call Compass Insurance 980 00:49:36.960 --> 00:49:39.960 paying too much your coverage at dozens of insurance companies 981 00:49:40.079 --> 00:49:42.079 find out now three oh three, seven to seven to 982 00:49:42.119 --> 00:49:44.880 one help. You'll think you're his only customer when you 983 00:49:45.000 --> 00:49:47.400 choose Frank durand the real estate man dot com to 984 00:49:47.519 --> 00:49:50.679 list your home with Remax Alliance three oh three nine 985 00:49:50.760 --> 00:50:00.840 two zero sixteen twenty two. Hi'm Tom Martino here. Pamela's 986 00:50:00.920 --> 00:50:03.400 turned an issue with a car accident. Pamela, what's going on? 987 00:50:08.239 --> 00:50:14.039 My sister got into an accident early February and. 988 00:50:15.559 --> 00:50:19.719 It wasn't her fault, so she believes. And she was 989 00:50:19.800 --> 00:50:24.880 in a roundabout and the car veered over and hit her. 990 00:50:25.960 --> 00:50:31.760 And yeah, at the sight of the accident, she was. 991 00:50:31.880 --> 00:50:35.559 Under the impression that the police were like the other 992 00:50:35.719 --> 00:50:39.920 driver got a ticket. He was driving with a permit, 993 00:50:40.119 --> 00:50:44.679 only he was distracted. He had gotten a ticket, that 994 00:50:45.840 --> 00:50:48.800 it was under the assumption that it was his fault. 995 00:50:50.199 --> 00:50:51.239 Come to find out, now. 996 00:50:51.199 --> 00:50:53.840 Are you sure? Hold on? Is she sure you got 997 00:50:53.880 --> 00:50:54.320 a ticket? 998 00:50:55.960 --> 00:50:56.159 Yes? 999 00:50:58.760 --> 00:51:02.360 Okay, So what happened? Did the other driver? Did the 1000 00:51:02.440 --> 00:51:04.679 other driver swerve in tr lane? 1001 00:51:05.719 --> 00:51:05.960 Yeah? 1002 00:51:07.039 --> 00:51:08.679 So he was okay, so keep going. 1003 00:51:08.719 --> 00:51:09.360 What happened then? 1004 00:51:10.760 --> 00:51:10.800 So? 1005 00:51:11.599 --> 00:51:17.199 Uh, she got a call like twenty four hours later. Coincidentally, 1006 00:51:17.360 --> 00:51:21.119 both of them have the exact same insurance progressive, and 1007 00:51:21.639 --> 00:51:25.880 that adjuster said, you need to sign off on this, Cindy. 1008 00:51:26.719 --> 00:51:30.119 It's your it's your fault, and we'll just you know, 1009 00:51:30.360 --> 00:51:32.320 and you're going to probably have to come up with 1010 00:51:32.360 --> 00:51:32.920 a difference. 1011 00:51:33.039 --> 00:51:34.760 And my sister said, wait a minute. 1012 00:51:34.519 --> 00:51:35.559 It's not my fault. 1013 00:51:36.440 --> 00:51:37.480 It was clear there. 1014 00:51:38.920 --> 00:51:41.800 I don't understand, and please do not pay that out. 1015 00:51:42.800 --> 00:51:47.119 And they were waiting for the accident report. 1016 00:51:47.679 --> 00:51:48.599 And so she was. 1017 00:51:48.960 --> 00:51:52.360 That went on for weeks and then finally got the 1018 00:51:52.480 --> 00:51:56.760 accident report, which doesn't say anything. 1019 00:51:56.719 --> 00:51:58.920 That it wasn't her fault or that it was his 1020 00:51:59.159 --> 00:52:02.800 fault or and and she's. 1021 00:52:04.159 --> 00:52:05.679 That you got a ticket or anything. 1022 00:52:06.039 --> 00:52:09.559 And so we're kind of okay, the ticket, let me explain, Pamela, 1023 00:52:09.719 --> 00:52:11.480 let me explain something, so we don't have to go 1024 00:52:11.599 --> 00:52:15.320 further on that ticket. Sure, the tickets do not usually 1025 00:52:16.440 --> 00:52:19.400 are there. They're not the deciding factor on liability for 1026 00:52:19.519 --> 00:52:22.639 the accident, just so you know, but the accident report 1027 00:52:22.760 --> 00:52:25.760 can be. But you're saying the accident report does not 1028 00:52:26.320 --> 00:52:34.320 show or does not really name an at fault party. Correct. 1029 00:52:34.920 --> 00:52:37.840 It doesn't say that he didn't use a turn signal. 1030 00:52:37.639 --> 00:52:42.159 It doesn't say that he was distracted, right, it doesn't 1031 00:52:42.159 --> 00:52:43.440 say it doesn't do any of that. 1032 00:52:44.199 --> 00:52:47.119 And so okay, so where do we stand right now? 1033 00:52:47.360 --> 00:52:50.000 How does this affect her? Where do we stand right now. 1034 00:52:51.400 --> 00:52:54.599 How it affects her is that it went from her 1035 00:52:54.760 --> 00:52:59.119 leaving the scene thinking that it was his fault and 1036 00:52:59.199 --> 00:53:01.039 that his company he was going to pay for it, 1037 00:53:01.519 --> 00:53:04.760 to all of a sudden it being her fault and 1038 00:53:05.000 --> 00:53:06.760 she's going to have to come up with a difference 1039 00:53:06.800 --> 00:53:09.000 of five thousand dollars, so to speak. 1040 00:53:09.079 --> 00:53:09.519 That's what the. 1041 00:53:09.559 --> 00:53:10.440 Adjust o case said. 1042 00:53:10.880 --> 00:53:13.199 This is the part. This is the part. I don't 1043 00:53:13.280 --> 00:53:17.519 understand the difference. What are you talking? Maybe she doesn't 1044 00:53:17.519 --> 00:53:22.719 have full coverage or comprehensive I have, I have COMPREHENSI well, 1045 00:53:23.199 --> 00:53:27.159 comprehensive wouldn't have anything to do with it. Hold on, Pamela, 1046 00:53:27.719 --> 00:53:30.280 this is a collision claim. What I need to know 1047 00:53:30.519 --> 00:53:33.480 is is this person claiming personal injury? 1048 00:53:35.079 --> 00:53:35.119 No? 1049 00:53:37.159 --> 00:53:41.800 Okay, then what supposedly it's she's got twenty five thousand 1050 00:53:41.880 --> 00:53:45.840 dollars and the thirty thousand dollars car, and so the 1051 00:53:45.880 --> 00:53:48.000 adjuster was saying that she's probably going to have to 1052 00:53:48.079 --> 00:53:49.599 come up with the other five thousand. 1053 00:53:50.840 --> 00:53:52.239 Okay, hold on a second. 1054 00:53:53.320 --> 00:53:55.880 Let me let me explain this to you. She has 1055 00:53:56.440 --> 00:54:00.480 state minimums probably twenty five point fifty. So what you're 1056 00:54:00.639 --> 00:54:02.639 saying is, and I want to get John Fuller On. 1057 00:54:03.079 --> 00:54:05.840 So what you're saying is she'll have to come up 1058 00:54:05.920 --> 00:54:09.239 with it. Well, that's not true ninety nine point nine 1059 00:54:09.280 --> 00:54:13.000 percent of the time, Pamela, because what happens is for 1060 00:54:13.159 --> 00:54:16.360 them to get the insurance settlement, they have to they 1061 00:54:16.440 --> 00:54:19.800 have to waive her. They have to give her a waiver. 1062 00:54:20.519 --> 00:54:23.119 They have to give her a release, or her insurance 1063 00:54:23.199 --> 00:54:26.360 company won't pay for it. So I don't have any idea. 1064 00:54:26.480 --> 00:54:28.239 They're not supposed to come to her and ask for 1065 00:54:28.320 --> 00:54:31.760 the balance unless they don't take the insurance. And if 1066 00:54:31.760 --> 00:54:34.360 they don't take the insurance, then they would go after 1067 00:54:34.480 --> 00:54:38.880 her for the whole thirty thousand. But that's going to happen. 1068 00:54:39.880 --> 00:54:42.880 I don't who is telling her. Who is telling her 1069 00:54:42.960 --> 00:54:45.599 she has to pay? You know what, they both have Progressive. 1070 00:54:45.920 --> 00:54:50.480 So what's happening is Progressive is pissed. And here's why. 1071 00:54:51.320 --> 00:54:57.199 Here's why Progressive has to pay the twenty five that 1072 00:54:57.360 --> 00:55:00.679 you owe to the guy, and then they're gonna pay 1073 00:55:00.840 --> 00:55:05.559 five grand of this guy's out of pocket, probably from 1074 00:55:05.639 --> 00:55:09.079 his coverage, which will put them out a total of 1075 00:55:09.280 --> 00:55:12.920 thirty grand. They would rather only be out a total 1076 00:55:13.079 --> 00:55:16.440 of twenty five grand. So they're trying to hoodwink you 1077 00:55:17.079 --> 00:55:21.920 into paying the five grand out of pocket. So your insurance. 1078 00:55:21.599 --> 00:55:29.360 Agent is a scumbag. Okay, that is highly unethical. 1079 00:55:29.639 --> 00:55:33.400 Hang on, I want to talk to actually Compass insurance 1080 00:55:33.480 --> 00:55:36.440 group coming up, and we can also talk to John Fuller. 1081 00:55:36.760 --> 00:55:37.960 This is really important. 1082 00:55:38.280 --> 00:55:39.679 We don't talk about it enough. 1083 00:55:40.039 --> 00:55:42.800 But when you both have the same insurance company, that 1084 00:55:43.000 --> 00:55:48.159 insurance company fights for their own rights and what will 1085 00:55:48.320 --> 00:55:51.559 ding them the least, And that's what they're trying to 1086 00:55:51.639 --> 00:55:55.920 do here. They're trying to trick you into saying, well, Pamela, 1087 00:55:56.639 --> 00:55:59.400 you're gonna have to pay the difference because they don't 1088 00:55:59.440 --> 00:56:02.159 want to give this guy, give you a complete release 1089 00:56:02.519 --> 00:56:05.400 if this guy gets the twenty five, because then he's 1090 00:56:05.480 --> 00:56:07.760 gonna go to his own coverage for the extra five 1091 00:56:08.280 --> 00:56:10.119 and they don't want to be out the whole thirty. 1092 00:56:10.360 --> 00:56:12.280 I think you understand what I'm saying. We have more 1093 00:56:12.320 --> 00:56:14.800 coming up on The Troubleshooter Show. Three oh three seven 1094 00:56:14.880 --> 00:56:16.800 one three talk seven one three eight two five five 1095 00:56:16.880 --> 00:56:20.239 eight eight eight Heating dot Com. Remember the best prices 1096 00:56:20.440 --> 00:56:23.800 on high efficiency systems bar none. 1097 00:56:23.880 --> 00:56:24.920 Put him to the test. 1098 00:56:25.360 --> 00:56:27.519 That's eight eight eight Heating dot Com three oh three 1099 00:56:27.519 --> 00:56:36.920 seven seven zero two seven, seven six Go with a 1100 00:56:37.039 --> 00:56:40.559 sure thing Denver's Best roofer Excel Roofing dot com. You 1101 00:56:40.599 --> 00:56:46.360 don't pay a cent until you're content. Time for an 1102 00:56:46.400 --> 00:56:50.000 insurance check up free, no obligation. In comparison, call Compass 1103 00:56:50.079 --> 00:56:53.320 Insurance paying too much your coverage at dozens of insurance 1104 00:56:53.360 --> 00:56:55.840 companies find out now three oh three, seven to seven 1105 00:56:55.840 --> 00:56:58.599 to one help. You'll think you're his only customer when 1106 00:56:58.639 --> 00:57:00.920 you choose Frank durand the real estate Man dot com 1107 00:57:01.159 --> 00:57:04.280 to list your home with Remax Alliance three all three 1108 00:57:04.360 --> 00:57:10.440 nine two zero sixteen twenty two. Hi Tom Martine, your 1109 00:57:10.440 --> 00:57:14.239 trouble share three all three seven one three talks seven 1110 00:57:14.239 --> 00:57:16.679 one three eight two five five. I want to ask 1111 00:57:16.760 --> 00:57:19.559 John Fuller his opinion on this. He's a personal injury attorney, 1112 00:57:19.599 --> 00:57:22.400 but he deals with insurance all the time. John, I'm 1113 00:57:22.400 --> 00:57:26.440 gonna lay this out to you. So this woman is 1114 00:57:26.639 --> 00:57:29.119 in and let's call her Mary. It's Panela's sister. So 1115 00:57:29.280 --> 00:57:32.760 Mary's in an accident in a roundabout. The guy she's 1116 00:57:32.840 --> 00:57:35.920 in an accident with, she says, swerved whatever there were. 1117 00:57:36.559 --> 00:57:41.239 The accident report shows no fault, It just shows what happened. 1118 00:57:41.800 --> 00:57:47.079 And they both have progressive insurance. So this guy's car 1119 00:57:47.239 --> 00:57:51.039 apparently either has twenty five or thirty thousand in damage 1120 00:57:51.119 --> 00:57:54.760 or is worth thirty thousand. Her Progressive agent called her 1121 00:57:54.840 --> 00:57:59.760 and said, since you both have Progressive and your limit, 1122 00:58:00.000 --> 00:58:05.280 your policy limit is only twenty five grand, you're gonna 1123 00:58:05.320 --> 00:58:07.920 have to pay the other five thousand out of pocket 1124 00:58:08.000 --> 00:58:12.480 to make him whole. And I said, that's weird because 1125 00:58:12.639 --> 00:58:17.400 normally what Progressive would do is negotiate a settlement, get 1126 00:58:17.519 --> 00:58:22.639 her a waiver or whatever you call it, and they 1127 00:58:22.719 --> 00:58:25.760 would get her a release and make a full policy 1128 00:58:25.920 --> 00:58:28.679 settlement because they have to act as a fidentiary for 1129 00:58:28.760 --> 00:58:32.880 their insured. But because both of them are insured, this 1130 00:58:33.079 --> 00:58:35.960 is what I suspect. I might be right wrong, John, 1131 00:58:36.400 --> 00:58:41.119 I suspect because they're both insured by Progressive, this agent 1132 00:58:41.360 --> 00:58:44.400 is thinking, I'm going to save the company five grand, 1133 00:58:44.719 --> 00:58:48.599 because if she only pays twenty five grand, this guy 1134 00:58:48.719 --> 00:58:50.719 is going to go against his own policy for the 1135 00:58:50.800 --> 00:58:53.599 extra five or six or whatever, and we're going to 1136 00:58:53.679 --> 00:58:57.000 be out as a company thirty grand, where if she 1137 00:58:57.239 --> 00:58:59.440 pays five, we're only going to be out twenty five. 1138 00:59:00.119 --> 00:59:04.119 I looking, am I is that too paranoid? Or is 1139 00:59:04.159 --> 00:59:04.880 that possible? 1140 00:59:05.719 --> 00:59:05.920 Tom? 1141 00:59:06.079 --> 00:59:10.440 There's only one insurance company that I see routinely put 1142 00:59:10.559 --> 00:59:15.840 their interests so blatantly ahead of their insured and it's progressive. Okay, 1143 00:59:15.960 --> 00:59:19.440 I've seen him do this multiple times over, especially in 1144 00:59:19.519 --> 00:59:22.880 the medpay context, and especially when you've got you know, 1145 00:59:23.119 --> 00:59:28.000 progressive insurance getting into accidents with other progressive insurance. You're 1146 00:59:28.039 --> 00:59:31.320 absolutely right, they're certainly putting their interests ahead of their insured. 1147 00:59:31.840 --> 00:59:34.880 If I were this caller, I would simply say, no, 1148 00:59:35.599 --> 00:59:38.960 protect me. Your job is to get this thing done 1149 00:59:39.039 --> 00:59:42.159 within the limits of my insurance and to make this 1150 00:59:42.320 --> 00:59:47.000 go away. If this guy has, you know, has damages 1151 00:59:47.119 --> 00:59:50.440 that are greater than that, if he's not insured himself, 1152 00:59:50.719 --> 00:59:53.639 you know, he's got an option. He cannot accept my 1153 00:59:53.760 --> 00:59:56.920 policy limits and choose to come after me directly, or 1154 00:59:57.039 --> 01:00:00.239 he can file it on his own insurance and with 1155 01:00:00.360 --> 01:00:03.519 the policy that he also paid you for. But under 1156 01:00:03.639 --> 01:00:07.960 no circumstances should the progressive you know claims person or 1157 01:00:08.039 --> 01:00:10.559 agent or whoever it is that they're dealing with be 1158 01:00:10.760 --> 01:00:14.559 advocating against their own insured and suggesting that she come 1159 01:00:14.639 --> 01:00:18.199 to the table with money just to protect their own 1160 01:00:18.320 --> 01:00:21.519 insurance company from having to pay out those same damages. 1161 01:00:23.519 --> 01:00:26.639 So I was right on Pamela. John Fuller is way 1162 01:00:26.719 --> 01:00:32.480 more experienced. And Pamela, did you hear what he just said? Yes? Yes, 1163 01:00:32.719 --> 01:00:35.679 Now you know what to tell your sister. She says, Listen, 1164 01:00:36.159 --> 01:00:39.679 you have a fiduciary responsibility to settle this on my behalf. 1165 01:00:40.360 --> 01:00:43.199 I'm and if you settle for policy limits, you better 1166 01:00:43.320 --> 01:00:47.360 damn well get me a release. And if you don't, 1167 01:00:47.599 --> 01:00:49.599 then let this guy come after me personally. 1168 01:00:51.159 --> 01:00:56.639 Okay, Can I ask another quick question, Tom, Yes, you 1169 01:00:56.760 --> 01:00:58.280 can to John Fuller directly. 1170 01:00:58.360 --> 01:00:59.960 Why let's do that? Go ahead? 1171 01:01:00.159 --> 01:01:06.679 I just as we stated this, this kid was he merged. 1172 01:01:06.920 --> 01:01:09.960 He didn't, you know, signal he was at. 1173 01:01:09.960 --> 01:01:15.039 Fault, according to my sister, And the takeaway when she 1174 01:01:15.320 --> 01:01:17.440 left was that it was going to be written up 1175 01:01:17.519 --> 01:01:20.079 as So what can she Pamela? 1176 01:01:20.159 --> 01:01:22.519 I mean, is there, Pamela, I know what you're going 1177 01:01:22.599 --> 01:01:24.400 to say. What can she say? You know what to 1178 01:01:24.519 --> 01:01:29.559 try to argue fault at this point truly is feudal. 1179 01:01:29.679 --> 01:01:32.679 What difference does it make she's covered? Okay, you know 1180 01:01:33.039 --> 01:01:35.199 I know you're thinking, Wait a minute, she wouldn't have 1181 01:01:35.239 --> 01:01:37.400 to worry about this five grand at all. If it's 1182 01:01:37.440 --> 01:01:37.960 his fault. 1183 01:01:38.039 --> 01:01:41.360 He'd have to pay all his own Look, I guess 1184 01:01:41.440 --> 01:01:42.880 what's happened to no fault? 1185 01:01:43.639 --> 01:01:44.800 John? What do you have to say? 1186 01:01:44.880 --> 01:01:47.760 Go ahead, John, So great question. 1187 01:01:47.920 --> 01:01:50.719 No fault has absolutely nothing to do with property damage. 1188 01:01:50.760 --> 01:01:55.320 That's a twenty year old you know, insurance regulation that 1189 01:01:55.880 --> 01:01:59.000 was completely to do with who and which company was 1190 01:01:59.079 --> 01:02:02.280 responsible for pay medical bills, has nothing to do with 1191 01:02:02.440 --> 01:02:05.760 where we are today. But under today's rules, here's what 1192 01:02:05.920 --> 01:02:09.679 I can tell you. Your sister absolutely has the right 1193 01:02:10.119 --> 01:02:12.480 to go and file a lawsuit against this kid and 1194 01:02:12.599 --> 01:02:16.360 pursue her own property damage directly against them in small 1195 01:02:16.440 --> 01:02:19.440 claims or county court, depending on the dollar amount, and 1196 01:02:20.119 --> 01:02:23.639 not accept the determination of fault. However, what I can 1197 01:02:23.719 --> 01:02:27.159 tell you is the CoP's determination of faul isn't really 1198 01:02:27.280 --> 01:02:31.000 binding on anybody. There's no true box that they check. 1199 01:02:31.079 --> 01:02:34.599 And this is why I always advocate dash cans, because 1200 01:02:35.079 --> 01:02:37.920 so frequently these days we get into he said, she 1201 01:02:38.119 --> 01:02:41.800 said accidents, and the reality is unless the cop witness 1202 01:02:41.920 --> 01:02:45.599 the accident, they can't make a determination of who's more 1203 01:02:45.679 --> 01:02:48.679 credible and who's at fault. They just take all the 1204 01:02:48.760 --> 01:02:51.679 statements and all the witnesses and they kind of boil 1205 01:02:51.760 --> 01:02:53.800 it all out, and whatever comes out of the mix 1206 01:02:53.960 --> 01:02:57.159 is what they do, but it's not binding on anybody. 1207 01:02:57.320 --> 01:03:00.519 So either accept the determination of the insurance company, which 1208 01:03:00.599 --> 01:03:03.280 they have a right to make, or don't accept it 1209 01:03:03.679 --> 01:03:06.199 and go and file a lawsuit on your own behalf 1210 01:03:06.320 --> 01:03:08.760 against the atpahul driver and let a judge. 1211 01:03:09.079 --> 01:03:10.239 Or what about this, John? 1212 01:03:10.559 --> 01:03:10.840 Final? 1213 01:03:11.000 --> 01:03:11.519 What about this? 1214 01:03:11.760 --> 01:03:12.039 John? 1215 01:03:12.840 --> 01:03:16.519 What about this? What if she says, okay, you know, 1216 01:03:16.679 --> 01:03:20.440 pay out my policy limit and get me a release, 1217 01:03:21.599 --> 01:03:26.039 and after that, can she go after the guy for 1218 01:03:26.159 --> 01:03:27.599 damage to her car directly? 1219 01:03:30.719 --> 01:03:30.920 Yeah? 1220 01:03:31.000 --> 01:03:33.960 I mean technically that release that. 1221 01:03:35.719 --> 01:03:39.199 I mean, yeah, the release that her insurance. 1222 01:03:38.800 --> 01:03:42.280 Company gets for paying that guy's damages. You know, it 1223 01:03:42.639 --> 01:03:44.599 won't be a very good fact if you go to 1224 01:03:44.679 --> 01:03:48.360 court and the guy says, look, your honor, her own 1225 01:03:48.440 --> 01:03:51.559 insurance company decided that she was at fault and paid 1226 01:03:51.639 --> 01:03:54.199 my damages, and now she's wanting to come in here 1227 01:03:54.239 --> 01:03:57.400 and advocate that I'm somehow responsible for her car. It 1228 01:03:57.440 --> 01:04:00.440 won't be a good fact for you. But but that 1229 01:04:00.679 --> 01:04:03.480 release that has to do with that other guy's vehicle 1230 01:04:04.000 --> 01:04:07.280 is not at all binding on you for your vehicle, 1231 01:04:08.599 --> 01:04:10.159 So I mean, technically you could. 1232 01:04:10.599 --> 01:04:12.239 Yeah, it would be a great day for it. 1233 01:04:12.400 --> 01:04:19.039 But okay, John, I really appreciate your information, though John Fuller, 1234 01:04:19.719 --> 01:04:21.960 as I said, you can always call him for information. 1235 01:04:22.079 --> 01:04:25.280 Three zho three five nine seven forty five hundred five 1236 01:04:25.440 --> 01:04:27.320 nine seven four five zero zero. 1237 01:04:27.559 --> 01:04:29.119 Do you have any other questions from Pam? 1238 01:04:30.559 --> 01:04:31.480 Oh? That that's it. 1239 01:04:31.639 --> 01:04:32.400 I appreciate it. 1240 01:04:32.920 --> 01:04:34.360 Thank you all right. 1241 01:04:34.480 --> 01:04:37.159 I think you got really good information and you probably 1242 01:04:37.239 --> 01:04:40.480 saved your sister five grand. We have more coming right up. 1243 01:04:46.840 --> 01:04:50.119 Go with a sure thing Denvers best Roofer, Excel Roofing 1244 01:04:50.199 --> 01:04:52.840 dot com. You don't pay a cent until you're content. 1245 01:04:56.239 --> 01:04:59.360 Time for an insurance check up free, no obligation. In comparison, 1246 01:04:59.519 --> 01:05:03.079 call umpass Insurance paying too much your coverage at dozens 1247 01:05:03.119 --> 01:05:05.840 of insurance companies find out now three oh three seven 1248 01:05:05.960 --> 01:05:08.960 seven one help. You'll think you're his only customer when 1249 01:05:09.000 --> 01:05:11.239 you choose Frank durand the real estate Man dot com 1250 01:05:11.519 --> 01:05:14.599 to list your home with Remax Alliance three oh three 1251 01:05:14.719 --> 01:05:20.360 nine two zero sixteen twenty two. Hi Tom Martino here 1252 01:05:20.480 --> 01:05:23.519 three oh three seven one three talk seven one three 1253 01:05:23.639 --> 01:05:26.079 eight two five five. CMG Financial will get you a 1254 01:05:26.159 --> 01:05:28.960 mortgage if you're looking for a reverse loan. 1255 01:05:29.039 --> 01:05:29.679 They're doing them. 1256 01:05:30.239 --> 01:05:33.719 Talk to our friend John over at CMG. They're really 1257 01:05:33.800 --> 01:05:38.480 good people. And the number is three oh three eight 1258 01:05:38.559 --> 01:05:41.320 A two sixty six seven nine partner in lending dot com. 1259 01:05:41.519 --> 01:05:45.519 All right, so let me see who is going Marcus. 1260 01:05:46.320 --> 01:05:48.440 Tell me about a possible scam you think might be 1261 01:05:48.559 --> 01:05:49.480 going on. What's going on? 1262 01:05:51.119 --> 01:05:54.639 Yeah, Tom, I've been listening to. 1263 01:05:54.760 --> 01:05:58.360 You first time callers since nineteen eighty seven. I used 1264 01:05:58.360 --> 01:05:59.280 to watch you on TV. 1265 01:06:00.000 --> 01:06:04.320 Holy crap. Thank you so much, really, I appreciate it. 1266 01:06:06.000 --> 01:06:08.559 Yeah, and it's good to talk to you. 1267 01:06:09.519 --> 01:06:12.920 And uh, being a senior of these days, I mean 1268 01:06:13.000 --> 01:06:16.199 the old Italians, you hang out, work hard, and. 1269 01:06:17.280 --> 01:06:20.719 But these days on. 1270 01:06:25.000 --> 01:06:28.159 Social Security insurance benefits. 1271 01:06:29.079 --> 01:06:33.800 And yeah, the problem is that they keep calling, and 1272 01:06:33.960 --> 01:06:38.119 you can get on the cec F list do not call, 1273 01:06:38.760 --> 01:06:39.719 You do a lot of things. 1274 01:06:39.800 --> 01:06:41.400 They call morning, day. 1275 01:06:41.280 --> 01:06:44.159 And night, and you can use it. Well you know 1276 01:06:44.280 --> 01:06:49.119 what I actually actually I'm not. I often wondered about 1277 01:06:49.159 --> 01:06:53.599 that do not call this? Who the hell enforces it? Nobody? 1278 01:06:54.239 --> 01:06:57.440 And you could block those calls, and they keep coming across, 1279 01:06:58.400 --> 01:06:59.800 so I started using. 1280 01:06:59.719 --> 01:07:02.159 A well, different numbers come across. 1281 01:07:02.639 --> 01:07:07.280 So what's on right now? Though specifically right now? Which 1282 01:07:07.320 --> 01:07:08.360 one are you calling about? 1283 01:07:10.639 --> 01:07:16.760 There's two in Colorado that keep doing this and one 1284 01:07:16.840 --> 01:07:26.360 of them is Mercury Leads Incorporated during sixteen seventeenth Street, Denver, Colorado, eight. 1285 01:07:26.360 --> 01:07:28.000 Zero two zero two. 1286 01:07:28.320 --> 01:07:31.159 Anyway, tell me about what what are you what has 1287 01:07:31.239 --> 01:07:33.679 you upset about this particular call? 1288 01:07:35.639 --> 01:07:38.599 No, it's not just them, and there's one out of 1289 01:07:38.679 --> 01:07:41.039 voter to envoy good. 1290 01:07:42.320 --> 01:07:46.239 So are you basically calling to bitch about the unsolicited calls? 1291 01:07:46.360 --> 01:07:46.519 Right? 1292 01:07:48.239 --> 01:07:48.440 Yeah? 1293 01:07:48.559 --> 01:07:50.960 And you can block them, you can do everything, but 1294 01:07:51.199 --> 01:07:54.360 you cannot stop it. And they're using phony phone numbers. 1295 01:07:54.480 --> 01:07:58.440 Tom, Well, yeah, that's why you can't block them, because 1296 01:07:58.480 --> 01:08:01.280 they they heap, they get what did they call it? Rotating? 1297 01:08:01.400 --> 01:08:01.519 Right? 1298 01:08:01.599 --> 01:08:06.440 They keep rotating those Dmitri. You have a campaign against them, 1299 01:08:06.480 --> 01:08:08.960 don't you go them on secretly? Well? 1300 01:08:09.039 --> 01:08:11.320 You know, I just kind of dove into it about 1301 01:08:11.360 --> 01:08:13.800 a year ago because I was sick of the spammers, 1302 01:08:13.880 --> 01:08:16.880 the living text messages and calls to me. And it 1303 01:08:16.960 --> 01:08:19.960 turns out that's totally against the law, and the law 1304 01:08:20.079 --> 01:08:22.640 does provide for significant penalties. 1305 01:08:22.239 --> 01:08:24.279 That we have collected. Get on any of them? 1306 01:08:24.479 --> 01:08:27.880 No, I have four active cases right now, and none 1307 01:08:27.920 --> 01:08:30.840 of the four have they haven't come to trial and 1308 01:08:30.880 --> 01:08:31.840 they haven't settled yet. 1309 01:08:32.159 --> 01:08:33.880 How much are you asking for in each one? 1310 01:08:34.960 --> 01:08:38.560 Fifteen hundred per junk text message. So what if you 1311 01:08:38.600 --> 01:08:40.640 don't have a text but you have a call like 1312 01:08:40.760 --> 01:08:43.680 this same thing? Say, how do you prove the call? Well, 1313 01:08:43.760 --> 01:08:46.359 they're right there on on my voicemail. 1314 01:08:46.439 --> 01:08:50.640 So I created a recording that I submit as my 1315 01:08:51.000 --> 01:08:53.880 evidence of the court and a screen shot. 1316 01:08:54.319 --> 01:08:58.079 And so it's really it seems to be, Hey, Marcus, 1317 01:08:58.199 --> 01:08:59.920 have you ever thought of suing them? 1318 01:09:02.000 --> 01:09:02.199 Yeah? 1319 01:09:02.479 --> 01:09:06.960 And then it's on boy LC out of a voter 1320 01:09:07.159 --> 01:09:11.159 Colorado and it's Mercury Leads Incorporated out of Denver. 1321 01:09:11.840 --> 01:09:12.680 But it's hard. 1322 01:09:12.760 --> 01:09:14.840 Yeah, I mean, it's nothing new, there's all kinds of 1323 01:09:15.199 --> 01:09:18.119 But why don't you get the information on them? And 1324 01:09:18.279 --> 01:09:20.479 maybe Deputy D if you want to call us back, 1325 01:09:20.520 --> 01:09:23.399 will help you with the logistics of going through with it. 1326 01:09:24.000 --> 01:09:27.239 Go with a sure thing Denver's best roofer Excel roofing 1327 01:09:27.359 --> 01:09:30.000 dot com. You don't pay a cent until you're content. 1328 01:09:33.399 --> 01:09:36.520 Time for an insurance check up, free no obligation comparison 1329 01:09:36.680 --> 01:09:40.239 call Compass Insurance, pay too much your coverage at dozens 1330 01:09:40.279 --> 01:09:43.000 of insurance companies. Find out now three O three, seven 1331 01:09:43.000 --> 01:09:45.319 to seven to one help. You'll think you're his only 1332 01:09:45.439 --> 01:09:47.880 customer when you choose Frank durand the real estate man 1333 01:09:47.960 --> 01:09:51.359 dot Com to list your home with Remax Alliance three 1334 01:09:51.439 --> 01:09:53.600 oh three nine two zero sixteen twenty two. 1335 01:10:01.319 --> 01:10:07.359 News need advice so you don't have come run in 1336 01:10:07.600 --> 01:10:08.920 Just as status as we can. 1337 01:10:10.279 --> 01:10:12.159 Shooter's gonna help come. 1338 01:10:13.760 --> 01:10:21.359 This is the Troubleshooter Show. No Tom Martino. Hey, I'm 1339 01:10:21.520 --> 01:10:25.319 Tom Martino, and I thank you for being here for 1340 01:10:25.439 --> 01:10:29.560 the show. And we love talking about everyday life, the 1341 01:10:29.680 --> 01:10:33.960 things that make you tick and the things that tick 1342 01:10:34.039 --> 01:10:36.119 you off. So we're gonna go to the phones and 1343 01:10:36.239 --> 01:10:39.640 hope we can make a difference in your life. Right now, 1344 01:10:40.680 --> 01:10:44.119 let's see whose turn it is. It's uh, it's we're 1345 01:10:44.159 --> 01:10:50.760 gonna talk about the HVAC issue here with Phil. Hi, Phil, 1346 01:10:50.840 --> 01:10:54.920 what's happening? Good? 1347 01:10:55.000 --> 01:10:55.119 Uh? 1348 01:10:55.960 --> 01:10:56.640 Afternoon, Tom? 1349 01:10:59.039 --> 01:10:59.520 What's going on? 1350 01:11:01.439 --> 01:11:01.920 Can you hear me? 1351 01:11:01.960 --> 01:11:04.039 Okay? I had to step outside from the office for 1352 01:11:04.159 --> 01:11:04.600 a connection. 1353 01:11:05.239 --> 01:11:05.960 Yeah, I can hear you. 1354 01:11:06.119 --> 01:11:06.640 I can hear you. 1355 01:11:06.760 --> 01:11:12.560 Fine, okay, all right. So I'm in Colorado Springs and 1356 01:11:13.560 --> 01:11:15.600 one morning woke up and it was cold. My furnace 1357 01:11:15.680 --> 01:11:21.760 wasn't working. So I called this company called Affordable Plumbing 1358 01:11:21.800 --> 01:11:29.680 and Heating, and so they came out and looked at 1359 01:11:29.720 --> 01:11:33.079 my furnace and turned out there was a micro process 1360 01:11:33.119 --> 01:11:35.720 around the searcher board on the motherboard that was burnt out, 1361 01:11:36.880 --> 01:11:42.600 so long story short, replaced it and they charged me 1362 01:11:42.920 --> 01:11:47.920 four hundred dollars labor, which they still haven't recognized to 1363 01:11:48.199 --> 01:11:52.520 itemize on their receipt. But anyway, I have some stuff 1364 01:11:52.520 --> 01:11:58.119 about ethical HVAC companies playing the price gouging on people 1365 01:11:58.159 --> 01:12:00.520 when they're in need of heat, and I'm sure that's 1366 01:12:00.640 --> 01:12:02.159 never happened to you before, right Tom. 1367 01:12:04.079 --> 01:12:07.159 Ptill. We get calls all the time. We get calls 1368 01:12:07.199 --> 01:12:10.600 all the time about pricing and when people have no heat. 1369 01:12:11.359 --> 01:12:14.279 And one thing you mentioned though that I just want 1370 01:12:14.359 --> 01:12:18.159 to dispel. People think now they can be if they 1371 01:12:18.279 --> 01:12:20.920 insist on it. But people think they're entitled to some 1372 01:12:21.119 --> 01:12:23.760 kind of detailed bill, and they're not. All they're entitled 1373 01:12:23.800 --> 01:12:27.079 to is a price, and then you agree to the price, 1374 01:12:27.600 --> 01:12:29.680 and it doesn't matter what they pay for the part 1375 01:12:29.760 --> 01:12:31.920 or what they pay for the labor. If they pay 1376 01:12:32.039 --> 01:12:34.560 nothing for the part and charge you one hundred dollars, 1377 01:12:34.680 --> 01:12:36.920 I don't care. If they pay one hundred dollars for 1378 01:12:37.000 --> 01:12:39.439 the part, pay and charge you ten dollars, I don't care. 1379 01:12:39.800 --> 01:12:42.920 The only thing I care about is that people aren't blindsided, 1380 01:12:43.399 --> 01:12:47.079 that they don't have a company come in and quote 1381 01:12:47.119 --> 01:12:50.640 one price and charge another. I'm also concerned that people 1382 01:12:50.680 --> 01:12:53.680 don't come in and lie to you. Now, what is 1383 01:12:53.920 --> 01:12:59.439 price gouging. There's no such thing. There are prices that 1384 01:12:59.520 --> 01:13:02.720 are too high and prices that are too low. What 1385 01:13:02.880 --> 01:13:05.439 I mean by too low is a company can never 1386 01:13:05.520 --> 01:13:07.840 sustain itself and they're going to go out of business. 1387 01:13:08.640 --> 01:13:12.079 Companies that charge too much that they're way out of 1388 01:13:12.159 --> 01:13:14.119 line and they're a pain in the ass, and I 1389 01:13:14.199 --> 01:13:17.159 don't think they're going to stay around either. But as 1390 01:13:17.239 --> 01:13:20.279 far as gouging, I imagine you could have gouging. We've 1391 01:13:20.359 --> 01:13:23.319 had it in the past where somebody would charge. We 1392 01:13:23.479 --> 01:13:27.359 had one time an older woman charged nine thousand dollars 1393 01:13:27.439 --> 01:13:30.920 to install a toilet. I thought that was outrageous. But 1394 01:13:31.439 --> 01:13:34.319 as far as what you're talking about, you had a 1395 01:13:34.439 --> 01:13:36.479 circuit board put in, Is that right, Phil? 1396 01:13:38.239 --> 01:13:38.560 Correct? 1397 01:13:40.319 --> 01:13:44.079 And what was the total price? What was the total price? 1398 01:13:48.000 --> 01:13:50.840 Let me grab the invoice real quick, and which and 1399 01:13:50.960 --> 01:13:52.239 which circuit board was it? 1400 01:13:54.279 --> 01:13:57.479 It was the main the main board, the motherboard, okay? 1401 01:13:57.880 --> 01:14:00.239 And was it the main board on your furnace or 1402 01:14:00.359 --> 01:14:01.560 on an auxiliary unit. 1403 01:14:02.960 --> 01:14:05.600 I don't know. On the furnace, it was inside the furnace, okay. 1404 01:14:06.319 --> 01:14:07.760 And what kind of furnace. 1405 01:14:12.199 --> 01:14:17.319 The brand? Yes, yeah, I'm not sure if it was. 1406 01:14:17.640 --> 01:14:19.720 I don't have that in front of me either Lennox 1407 01:14:19.840 --> 01:14:21.680 or okay, okay. 1408 01:14:22.000 --> 01:14:25.720 So they replaced the main circuit board. And how long 1409 01:14:25.800 --> 01:14:26.760 did it take him about? 1410 01:14:29.119 --> 01:14:31.279 It took him less than an hour, because I mean 1411 01:14:31.319 --> 01:14:33.920 I helped him troubleshoot it because I'm not stupid. I 1412 01:14:34.359 --> 01:14:35.640 used to be a realtor. I've talked to you with 1413 01:14:35.720 --> 01:14:38.760 many h back people and so you know, it was 1414 01:14:38.840 --> 01:14:41.840 just my fan wasn't coming on, and my combustion was working, 1415 01:14:42.159 --> 01:14:45.439 the ignited were coming on, everything was flying my so 1416 01:14:45.840 --> 01:14:47.319 it was just the motor wasn't coming on. So it 1417 01:14:47.439 --> 01:14:50.640 was that process of that that sense went to come on, 1418 01:14:50.800 --> 01:14:52.239 but it wouldn't turn the fan on. 1419 01:14:53.399 --> 01:14:55.800 And tell me why you had to help, Tell me 1420 01:14:55.880 --> 01:14:56.960 why you had to help? 1421 01:14:58.720 --> 01:14:59.159 I don't help? 1422 01:14:59.880 --> 01:15:03.560 Or or are you one of these guys that supervise everything? 1423 01:15:03.640 --> 01:15:06.640 You got somebody come over and you're the expert. There 1424 01:15:06.720 --> 01:15:09.399 are homeowners like that. Are you that kind of person? 1425 01:15:11.119 --> 01:15:12.479 Well, I'm not the expert, but I want to make 1426 01:15:12.520 --> 01:15:16.920 sure that I'm I'm getting charged for what I'm actually 1427 01:15:17.039 --> 01:15:19.359 being done. I don't want to be told that something's 1428 01:15:19.359 --> 01:15:20.560 wrong and something isn't wrong. 1429 01:15:22.079 --> 01:15:25.479 Okay, So how much were you charged? How much were 1430 01:15:25.520 --> 01:15:26.039 your charge? 1431 01:15:29.079 --> 01:15:34.640 Charged? It six d and fifty eight dollars and thirty cents, okay. 1432 01:15:34.760 --> 01:15:37.479 Wanted to charge me more, but I asked him to 1433 01:15:37.520 --> 01:15:40.520 give a military discount or anither kind of discount. So 1434 01:15:41.359 --> 01:15:43.479 he was kind enough, I guess, to give me ten 1435 01:15:43.560 --> 01:15:47.119 percent off of his overly high price in the first place. 1436 01:15:47.279 --> 01:15:49.520 So what so what was that? 1437 01:15:49.840 --> 01:15:52.560 You know? I love your little comments about overly high price. 1438 01:15:52.880 --> 01:15:55.520 I know companies that would have charged fourteen hundred for this, 1439 01:15:56.439 --> 01:15:58.840 so just so you know, and I know companies that 1440 01:15:58.920 --> 01:16:01.720 are legit that would have charge fourteen hundred, and I 1441 01:16:01.840 --> 01:16:05.239 know companies that would have charged five hundred. Okay, But 1442 01:16:05.399 --> 01:16:08.600 the point is this, you could have said no, did 1443 01:16:08.680 --> 01:16:12.199 you ask for an estimate? Yeah? 1444 01:16:12.239 --> 01:16:13.399 He told me what was going to cost? 1445 01:16:14.880 --> 01:16:16.680 What did he say it was going to cost. 1446 01:16:19.600 --> 01:16:22.920 Over seven hundred, like seven hundred and forty dollars? And 1447 01:16:23.000 --> 01:16:25.720 I thought that was because well, first of all, first 1448 01:16:25.760 --> 01:16:28.039 of all, driving driving time to get the part was 1449 01:16:28.079 --> 01:16:31.359 like forty five minutes to an hour. All right, so 1450 01:16:31.399 --> 01:16:32.359 I'm getting two hundred dollars. 1451 01:16:32.560 --> 01:16:36.199 I'm just asking you. They gave you, they gave you 1452 01:16:36.479 --> 01:16:39.399 an estimate of seven hundred dollars, right. 1453 01:16:40.840 --> 01:16:43.239 Right, And then what did it end up costing? 1454 01:16:46.039 --> 01:16:48.800 Why, he ended up giving me a discount. So it 1455 01:16:48.960 --> 01:16:50.439 ended up costing six fifty eight. 1456 01:16:52.520 --> 01:16:55.800 Okay, six fifty eight. So what are you calling about today? 1457 01:16:55.880 --> 01:16:57.439 What would you like us to do? 1458 01:16:59.239 --> 01:16:59.920 I'm just calling it. 1459 01:17:00.119 --> 01:17:02.720 Ask I guess there's no regulation as far as what 1460 01:17:03.039 --> 01:17:06.720 HVAC companies can charge you during normal duty hours. I mean, 1461 01:17:06.760 --> 01:17:09.640 this wasn't like after hours and emergency and they had 1462 01:17:09.680 --> 01:17:11.399 to get out of bed and come like a firefighter 1463 01:17:11.439 --> 01:17:11.720 and sing. 1464 01:17:11.760 --> 01:17:17.479 You know, there's no regulation. There's no regulation fill on 1465 01:17:17.760 --> 01:17:22.239 any company that can charge anything unless it's a public 1466 01:17:23.039 --> 01:17:27.199 utility company or a granted franchise where people don't have 1467 01:17:27.319 --> 01:17:27.880 a choice. 1468 01:17:28.600 --> 01:17:33.640 Then coming after a natural disaster disaster, well that's those 1469 01:17:33.680 --> 01:17:37.520 are special price hold on not to muddy the waters. 1470 01:17:37.600 --> 01:17:41.159 Fill, but that's for special like plywood and stuff like 1471 01:17:41.359 --> 01:17:44.039 like a lot of companies after a disaster will go 1472 01:17:44.079 --> 01:17:46.600 out and just rake people over the coals, and there 1473 01:17:46.640 --> 01:17:50.159 are special price gouging laws for those specific things, but 1474 01:17:50.359 --> 01:17:54.079 for what you're talking about. The quick answer is there 1475 01:17:54.239 --> 01:18:01.000 are no regulations. Thank god, fail did that six hundred. 1476 01:18:02.840 --> 01:18:03.079 Phil. 1477 01:18:03.279 --> 01:18:06.479 I think you might find some regulations in Moscow still 1478 01:18:06.840 --> 01:18:10.680 and maybe in Beijing, I think, but you're not going 1479 01:18:10.760 --> 01:18:12.239 to find any in the USA. 1480 01:18:14.960 --> 01:18:17.600 Phil, this is bo Did six hundred and fifty eight 1481 01:18:17.720 --> 01:18:20.880 dollars price include the service text time to go get 1482 01:18:20.960 --> 01:18:21.319 the part? 1483 01:18:24.039 --> 01:18:27.279 Yes? Yeah, yeah, the part was and fifty bucks. 1484 01:18:28.239 --> 01:18:33.319 You know, Phil, that's reasonable. I probably would have. 1485 01:18:33.399 --> 01:18:34.520 I was gonna ask you both that. 1486 01:18:34.920 --> 01:18:38.199 I don't know. This was more It was more than reasonable. 1487 01:18:38.239 --> 01:18:40.520 Yeah, I mean because the labor rate to the company 1488 01:18:40.600 --> 01:18:42.840 is the same whether they're working on your furnace or 1489 01:18:42.920 --> 01:18:45.239 have to drive in traffic to go pick up the part, 1490 01:18:45.319 --> 01:18:47.439 they still have to pay the laborry. If you got 1491 01:18:47.520 --> 01:18:51.520 a motherboard on like an eighty percent furnace, which you 1492 01:18:51.680 --> 01:18:58.000 probably have, Phil, that's a very reasonable, below average price 1493 01:18:58.520 --> 01:18:59.319 for what you got. 1494 01:18:59.640 --> 01:19:02.880 Yeah, and I know you're upset, Phil, I understand this, 1495 01:19:03.439 --> 01:19:06.000 But do you really want do you really want a 1496 01:19:06.079 --> 01:19:07.720 country where we have price controls? 1497 01:19:09.640 --> 01:19:14.199 So two hundred dollars an hour is not too high. 1498 01:19:14.399 --> 01:19:16.880 Most mechanics charge more than that. You go to a 1499 01:19:17.000 --> 01:19:19.960 dealership and have an alternator put in. They'll they'll book 1500 01:19:20.000 --> 01:19:21.920 it out at two hundred and fifty plus hours. 1501 01:19:22.119 --> 01:19:25.199 That's a trick. That's a trick question. That's really a 1502 01:19:25.279 --> 01:19:29.039 trick question. He had a no here situation. They found 1503 01:19:29.079 --> 01:19:32.560 a part, located it, installed it and the main circuit board, 1504 01:19:32.640 --> 01:19:36.640 and they were efficient about it. It took them, he said, 1505 01:19:36.720 --> 01:19:39.079 less than an hour. I doubt it, but he said 1506 01:19:39.159 --> 01:19:42.239 less than an hour, and they charged himself six hundred 1507 01:19:42.239 --> 01:19:45.600 and fifty eight whatever. So the question is is that 1508 01:19:45.840 --> 01:19:49.560 labor charge reasonable? I don't know. There is no such 1509 01:19:49.640 --> 01:19:52.319 thing as reasonable. I'd say if he agreed to it, 1510 01:19:52.439 --> 01:19:57.079 which he did, it is reasonable. I guess. I guess. 1511 01:19:57.119 --> 01:19:58.960 I don't understand. And Phil, I love that you're a 1512 01:19:59.039 --> 01:20:02.520 longtime listener. I give you a hard but I'm asking, 1513 01:20:02.960 --> 01:20:06.079 what were you thinking. We were gonna say, oh my god, 1514 01:20:06.319 --> 01:20:09.119 you were totally ripped off. Let's call that company and 1515 01:20:09.239 --> 01:20:10.319 get some money back. 1516 01:20:11.920 --> 01:20:14.239 No, well, the story is a little bit deeper than that, 1517 01:20:14.399 --> 01:20:17.279 do too, Okay, No, I just want okay, let's. 1518 01:20:17.039 --> 01:20:19.439 Hear the real story. That's what I want to hear. 1519 01:20:19.560 --> 01:20:21.960 What's the real story. Let's hear it. After the break 1520 01:20:23.279 --> 01:20:24.960 all right after the break, I want to hear the 1521 01:20:25.039 --> 01:20:27.880 real story, he says, it goes deeper. I definitely want 1522 01:20:27.920 --> 01:20:30.680 to hear how it goes deeper. Okay, So hang on 1523 01:20:30.800 --> 01:20:33.920 three oh three seven one three eight two five five 1524 01:20:34.199 --> 01:20:37.640 kinhe Home Solutions remember windows, siding, doors, and more. 1525 01:20:37.960 --> 01:20:39.760 Kanh has what you're looking for. 1526 01:20:46.920 --> 01:20:50.199 Go with a sure thing Denver's Best roofer Excel Roofing 1527 01:20:50.279 --> 01:20:52.920 dot com. You don't pay a cent until you're content. 1528 01:20:56.319 --> 01:20:59.439 Time for an insurance check up free, no obligation. In comparison, 1529 01:20:59.600 --> 01:21:03.159 call humpss insurance paying too much your coverage at dozens 1530 01:21:03.199 --> 01:21:05.920 of insurance companies find out now three oh three seven 1531 01:21:05.920 --> 01:21:08.239 to seven to one help. You'll think you're his only 1532 01:21:08.399 --> 01:21:10.800 customer when you choose Frank durand the real estate Man 1533 01:21:10.880 --> 01:21:14.279 dot com to list your home with Remax Alliance three 1534 01:21:14.359 --> 01:21:21.760 oh three nine two zero sixteen twenty two. Hey, I'm 1535 01:21:21.920 --> 01:21:27.479 Tom Welcome three three seven one three talks. So Phil said, 1536 01:21:27.520 --> 01:21:30.920 the story goes a little deeper, but he basically is 1537 01:21:31.039 --> 01:21:34.199 upset because he called for no heat. A company came 1538 01:21:34.239 --> 01:21:37.640 out main circuit board needed replacing. Make a long story short, 1539 01:21:38.079 --> 01:21:39.800 took him about an hour and he was charged six 1540 01:21:39.920 --> 01:21:42.079 hundred and fifty eight bucks. He wanted to know are 1541 01:21:42.119 --> 01:21:45.199 the regulations on what people can charge? And I said, no, 1542 01:21:46.039 --> 01:21:49.479 that's it, that's where we are right now. So he said, however, 1543 01:21:49.640 --> 01:21:54.680 the story goes deeper, So Phil, go ahead, okay. 1544 01:21:54.479 --> 01:21:57.199 Yeah, I'm here. So yeah, No, it didn't takehim one hour. 1545 01:21:57.199 --> 01:21:59.920 Took him two hour and one hour driving for the part. 1546 01:22:00.079 --> 01:22:01.479 Oh I'm sorry, okay, and then whenever. 1547 01:22:02.600 --> 01:22:04.239 Yeah, so two hours total. 1548 01:22:05.000 --> 01:22:06.439 Okay. No. 1549 01:22:07.399 --> 01:22:10.520 After the fact, I just felt that it was unethical 1550 01:22:10.600 --> 01:22:12.720 for a company to come out and you know, in 1551 01:22:12.800 --> 01:22:14.800 your time of need, I mean, I wanted to heat. 1552 01:22:14.880 --> 01:22:16.079 So when he told me how much. 1553 01:22:15.960 --> 01:22:17.439 It would cost, what was I going to do? 1554 01:22:17.560 --> 01:22:17.760 Say? 1555 01:22:17.880 --> 01:22:20.640 Oh, well, you know what, I did, try. 1556 01:22:20.520 --> 01:22:21.399 To get a discount on it. 1557 01:22:21.479 --> 01:22:22.920 But what are you going to do? 1558 01:22:23.119 --> 01:22:24.960 Say no, I'm going to call another company and go 1559 01:22:25.119 --> 01:22:27.079 through this again with another company and then pay your 1560 01:22:27.119 --> 01:22:29.520 service feeding, you know. So it's like they have you body. 1561 01:22:29.720 --> 01:22:32.319 No, I know what you mean, Phil, Phil, I Phil, Phil, 1562 01:22:32.439 --> 01:22:34.760 I get what you're saying, by the way, that you're 1563 01:22:34.800 --> 01:22:38.119 in a vulnerable situation and you should call a company 1564 01:22:38.199 --> 01:22:40.880 that you know and trust, because that could happen. They 1565 01:22:40.960 --> 01:22:43.840 can take advantage of it in your particular case, you 1566 01:22:43.920 --> 01:22:46.239 were not taking advantage of in my opinion, and I 1567 01:22:46.399 --> 01:22:48.319 think eighty percent of the time you would have been 1568 01:22:48.439 --> 01:22:50.960 charged way more than that. But what else is that? 1569 01:22:51.119 --> 01:22:54.000 How deep the story goes versus deeper? No? 1570 01:22:54.479 --> 01:22:56.960 No, no, So so I was going to research the company. 1571 01:22:57.039 --> 01:22:59.840 So I looked it up on the Colorado Business Antique search, 1572 01:23:00.600 --> 01:23:03.840 and this company doesn't exist. They were dissolved, like I 1573 01:23:03.840 --> 01:23:05.800 don't know, eight or ten years ago, I forget exactly. 1574 01:23:05.920 --> 01:23:08.079 So I did a little more research. I called the 1575 01:23:08.279 --> 01:23:10.920 Pikes Peak Regional Building Department here in Colora Springs, who 1576 01:23:10.920 --> 01:23:12.560 does all the permits and stuff. You probably know that, 1577 01:23:13.520 --> 01:23:15.159 and they hadn't till May. 1578 01:23:15.199 --> 01:23:19.079 I ask you something you got, You got the heat, 1579 01:23:19.960 --> 01:23:23.359 and you paid them a fair price. So why are 1580 01:23:23.399 --> 01:23:25.880 you wasting all this energy you think it's going to 1581 01:23:25.960 --> 01:23:27.000 get you some money back? 1582 01:23:28.199 --> 01:23:30.079 How was you trying to make sure they're a legitimate company? 1583 01:23:31.960 --> 01:23:34.359 Well, why why didn't you make sure they were legitimate 1584 01:23:34.439 --> 01:23:35.279 before you called them? 1585 01:23:36.520 --> 01:23:38.720 I mean, if they did, they asked you when you 1586 01:23:38.880 --> 01:23:40.840 call a number, and they're I'm asking. 1587 01:23:40.600 --> 01:23:44.279 Phil, I'm asking why you didn't do due diligence before 1588 01:23:44.359 --> 01:23:48.439 you called them? Why why after Why didn't you call 1589 01:23:48.479 --> 01:23:50.640 a company that we know and trust right off the back? 1590 01:23:50.880 --> 01:23:53.159 Why didn't you call plumb Line or fix It or 1591 01:23:53.279 --> 01:23:55.840 any other company that we know? Eight eight eight heating? 1592 01:23:56.119 --> 01:23:58.039 Why didn't you call companies. 1593 01:23:58.079 --> 01:23:58.800 That were that? 1594 01:23:59.479 --> 01:24:00.159 How about that? 1595 01:24:00.600 --> 01:24:02.720 Why didn't you call someone from the referral list? 1596 01:24:04.239 --> 01:24:06.560 I've been listening to for for many, many years, but 1597 01:24:06.680 --> 01:24:08.880 then I moved to color Springs that I hadn't listened 1598 01:24:08.920 --> 01:24:10.399 to you for a long time. I just found out 1599 01:24:10.399 --> 01:24:13.359 you were honest, like kind of didn't gone on me 1600 01:24:13.479 --> 01:24:14.279 to look you up again. 1601 01:24:14.840 --> 01:24:18.159 Well, yeah, you would have found Smith Plumbing, Heat and Cooling, 1602 01:24:18.199 --> 01:24:22.840 electric drains, totally honest, wonderful company. But listen, it's I 1603 01:24:22.920 --> 01:24:26.479 get what you're saying. So now you're looking for trouble 1604 01:24:26.560 --> 01:24:28.720 for this company, and what's your end game? You want 1605 01:24:28.760 --> 01:24:30.239 to get a discount or what you want to put 1606 01:24:30.279 --> 01:24:31.760 them out of business? Tell me what you want to 1607 01:24:31.800 --> 01:24:33.840 do for a company that came to your house when 1608 01:24:33.840 --> 01:24:36.279 you had no heat and charged the fair price to 1609 01:24:36.359 --> 01:24:37.760 replace your main circuit board. 1610 01:24:38.119 --> 01:24:39.560 Tell me what you want to do to them. 1611 01:24:40.840 --> 01:24:43.319 Well that was a big thing, the fair price. If 1612 01:24:43.359 --> 01:24:45.720 you're you know, legitimizing this, tell me how. 1613 01:24:45.720 --> 01:24:48.079 Much No, No, I want to know in Phil's world, 1614 01:24:48.279 --> 01:24:49.800 how much is a fair price? Phil? 1615 01:24:50.119 --> 01:24:51.640 I want to know in your world, how much is 1616 01:24:51.680 --> 01:24:52.520 a fair price. 1617 01:24:53.760 --> 01:24:56.680 For an hour of work with the h vrack company. 1618 01:24:57.039 --> 01:24:57.800 I looked at it. 1619 01:24:57.920 --> 01:25:00.479 You said it took him two hours. You said it 1620 01:25:00.600 --> 01:25:01.000 took them. 1621 01:25:01.439 --> 01:25:04.399 You said it took them two hours. 1622 01:25:04.439 --> 01:25:06.880 I know that they charged me two hundred bucks an hour. 1623 01:25:06.920 --> 01:25:11.199 It's four hundred dollars for two hours of work. Okay, okay, 1624 01:25:11.359 --> 01:25:12.199 the industry standards. 1625 01:25:12.239 --> 01:25:13.479 So how much should they have charged? 1626 01:25:13.600 --> 01:25:16.319 Phil? How much should they have charged? What should they 1627 01:25:16.359 --> 01:25:18.439 have charged? One? 1628 01:25:19.439 --> 01:25:21.319 Seems ethical to me? 1629 01:25:22.920 --> 01:25:27.000 Okay, seems ethical? Okay, Now, Phil, what kind of business 1630 01:25:27.039 --> 01:25:27.439 are you in? 1631 01:25:29.800 --> 01:25:33.119 Well, I'm retired military for one thing. But I oh 1632 01:25:33.359 --> 01:25:36.880 cars for auto for auto company. Now I came out 1633 01:25:36.920 --> 01:25:37.399 of retirement. 1634 01:25:38.800 --> 01:25:40.720 Okay, what do you wait? You're a whostsaler. 1635 01:25:42.359 --> 01:25:46.439 No, no, I'm a car buyer my cars. 1636 01:25:46.520 --> 01:25:50.760 Yeah, but when you buy them and then you resell them, right? 1637 01:25:52.760 --> 01:25:52.840 Uh? 1638 01:25:52.920 --> 01:25:53.119 Yeah? 1639 01:25:53.159 --> 01:25:55.680 The company result them, yeah, the dealership result them. 1640 01:25:55.760 --> 01:25:55.920 Yeah. 1641 01:25:56.880 --> 01:25:59.119 How much do they resell them for? Let's say you 1642 01:25:59.159 --> 01:26:01.319 buy a car for five what do you resell them for? 1643 01:26:02.079 --> 01:26:03.279 Is it reasonable? Well? 1644 01:26:03.319 --> 01:26:06.920 It it all depends what we buy the car for, because. 1645 01:26:07.039 --> 01:26:09.039 Well, I want to know. I want to know. What 1646 01:26:09.159 --> 01:26:11.199 if you get a car? Wait, what if you get 1647 01:26:11.239 --> 01:26:13.720 a car that's worth five grand but you only pay 1648 01:26:13.800 --> 01:26:16.239 two grand for it? Tell me do you sell that 1649 01:26:16.479 --> 01:26:17.079 for what. 1650 01:26:18.960 --> 01:26:21.840 It's It's never the same. Sometimes we lose money on cars. 1651 01:26:22.319 --> 01:26:26.560 That's really Isn't that something? But let me ask you, 1652 01:26:26.840 --> 01:26:29.560 does anyone regulate what you can sell that? Does anyone 1653 01:26:29.720 --> 01:26:31.479 regulate what you can sell that car for. 1654 01:26:34.159 --> 01:26:38.039 Other than Kelly Bluebook and the dog it? 1655 01:26:39.119 --> 01:26:43.439 That's not a regulation. I'm asking you who regulates what 1656 01:26:43.640 --> 01:26:45.960 you wait, who regulates who. 1657 01:26:45.840 --> 01:26:48.279 Can buy that car and how much? 1658 01:26:50.439 --> 01:26:53.840 Dealers set the price and the public sets the price 1659 01:26:53.920 --> 01:26:56.079 basically because they're not going to buy something that's overpriced. 1660 01:26:57.960 --> 01:27:07.199 Really, okay? Is desperate? What if someone is desperate for transportation? Yeah? 1661 01:27:07.239 --> 01:27:09.359 Un listen to a vehicles you really want badly, and 1662 01:27:09.399 --> 01:27:12.199 there's the supplying demand, the good old supplying demand. 1663 01:27:14.600 --> 01:27:20.399 Okay, except when it comes to no heat, no no, no, Hey, Phil, 1664 01:27:20.560 --> 01:27:21.279 Like I said. 1665 01:27:21.079 --> 01:27:24.560 I didn't kill two o'clock in the morning. That's when 1666 01:27:24.600 --> 01:27:27.279 I expect to pay a premium for them to come out. 1667 01:27:27.520 --> 01:27:29.600 You didn't the only part what time did you call 1668 01:27:29.600 --> 01:27:32.319 the only part we all disagree on with you is 1669 01:27:32.520 --> 01:27:35.640 you got a fair price. In your mind, it's not fair, 1670 01:27:35.960 --> 01:27:40.479 but every other company would probably charge you more, and 1671 01:27:40.800 --> 01:27:43.279 I think eighty five percent of them would charge you more. 1672 01:27:43.520 --> 01:27:43.760 Maybe. 1673 01:27:45.720 --> 01:27:48.159 Hey, guys, I think there's something missing from what Bill 1674 01:27:48.520 --> 01:27:51.720 Phil actually paid for. It's not just the two hours 1675 01:27:51.760 --> 01:27:54.560 of the mechanics task trying. It's the education he had 1676 01:27:54.600 --> 01:27:56.600 to get. It's the training, of. 1677 01:27:56.680 --> 01:28:02.119 Course, the insurance, the workman's everything. Yeah, the gasoline. 1678 01:28:02.319 --> 01:28:05.359 It's it's also his ability to respond to Phil's call 1679 01:28:05.560 --> 01:28:06.239 so quickly. 1680 01:28:06.840 --> 01:28:10.720 So that's really what you're paying for. But listen, here's 1681 01:28:10.760 --> 01:28:13.920 the deal. Phil's involved in one of the most dishonest 1682 01:28:14.000 --> 01:28:18.359 industries on the face of the earth, automobiles, and he's 1683 01:28:18.439 --> 01:28:20.880 calling to bitch about two hundred dollars an hour. 1684 01:28:21.560 --> 01:28:22.920 I'm done, Thank you Phil. 1685 01:28:23.079 --> 01:28:26.399 By three oh three seven one three eight two five five. 1686 01:28:26.880 --> 01:28:29.600 Let's move on to somebody with a real problem. Katie, 1687 01:28:29.640 --> 01:28:32.279 what's going on with you? And sill? 1688 01:28:32.399 --> 01:28:33.880 I thank you for taking my call. 1689 01:28:34.880 --> 01:28:37.239 Tom, I have what's happening? 1690 01:28:38.159 --> 01:28:42.520 Well, I have we hired a contractor and he was 1691 01:28:42.560 --> 01:28:46.680 a friend of ours, and we did cardinal rule that 1692 01:28:46.800 --> 01:28:49.520 we shouldn't have done, and we put gave him money upfront, 1693 01:28:50.039 --> 01:28:51.239 but he said how much? 1694 01:28:52.359 --> 01:28:53.760 I gave him ten thousand. 1695 01:28:53.439 --> 01:28:55.800 Dollars and and what was it? 1696 01:28:56.039 --> 01:28:57.399 What was the ten grand four? 1697 01:28:58.319 --> 01:29:00.159 Well, he said he was going to use it to 1698 01:29:00.279 --> 01:29:04.560 pay things, mostly for our permits through Jeffco. 1699 01:29:04.800 --> 01:29:05.760 Okay, what was the name? 1700 01:29:05.840 --> 01:29:07.319 What was the name of the contractor? 1701 01:29:08.520 --> 01:29:11.199 Well, I don't really want to tell you right now 1702 01:29:11.359 --> 01:29:13.720 because I just kind of want to keep it a 1703 01:29:13.800 --> 01:29:16.800 little personal. He was a friend and he has since 1704 01:29:16.880 --> 01:29:17.479 passed away. 1705 01:29:19.119 --> 01:29:21.399 Oh okay, all right, but we were. 1706 01:29:21.199 --> 01:29:24.680 Granted our permits, so he did pay our initial permit. 1707 01:29:24.439 --> 01:29:25.079 Fee with it. 1708 01:29:25.880 --> 01:29:29.319 But there's a seventy five hundred dollars balance, and like 1709 01:29:29.479 --> 01:29:30.039 I say. 1710 01:29:30.039 --> 01:29:33.000 Right, oh wait, wait, there's a seventy five hundred balance 1711 01:29:33.319 --> 01:29:34.600 that went to his estate. 1712 01:29:34.840 --> 01:29:40.119 Right, yes, exactly, now I'm learning. So we did file 1713 01:29:40.760 --> 01:29:45.199 a claim against his estates through JEFCO. And we heard 1714 01:29:45.479 --> 01:29:49.920 from his attorney that it was denied because they claimed 1715 01:29:50.359 --> 01:29:54.600 it was filed against his personal estate and not his business. Now, 1716 01:29:54.760 --> 01:29:58.600 his business is not an LLC from what I can determine, 1717 01:29:59.039 --> 01:30:01.880 I'm not exactly sure how his business was held. 1718 01:30:02.920 --> 01:30:04.680 All right, I want you to hold on, hold on, 1719 01:30:04.800 --> 01:30:07.680 We're gonna get Dan McKenzie on. Let's let's get in 1720 01:30:07.760 --> 01:30:10.279 a state attorney on who knows about these things? I'm 1721 01:30:10.359 --> 01:30:13.119 Tom Martine three O three seven one three eight two 1722 01:30:13.239 --> 01:30:22.079 five five. Go with a sure thing Denver's Best roofer 1723 01:30:22.239 --> 01:30:25.119 Excel Roofing dot com. You don't pay a cent until 1724 01:30:25.159 --> 01:30:31.039 you're content. Time for an insurance check up free, no 1725 01:30:31.119 --> 01:30:35.000 obligation in comparison, call Compass Insurance paying too much your 1726 01:30:35.079 --> 01:30:38.000 coverage at dozens of insurance companies find out now three 1727 01:30:38.079 --> 01:30:40.560 oh three seven seven to one. Help. You'll think you're 1728 01:30:40.640 --> 01:30:43.159 his only customer when you choose Frank Durand the real 1729 01:30:43.239 --> 01:30:46.199 estate Man dot com to list your home with Remax 1730 01:30:46.279 --> 01:30:49.279 Alliance three oh three nine two zero sixteen twenty two. 1731 01:31:04.600 --> 01:31:06.840 Hi Tom Artino here at three oh three seven one 1732 01:31:06.920 --> 01:31:09.279 three talk seven one three eight two five five Katie, 1733 01:31:09.760 --> 01:31:13.800 So listen this contractor you hired. I want to get 1734 01:31:13.840 --> 01:31:17.439 our expt. Oh he's not on yet. Well, Kachina, are 1735 01:31:17.479 --> 01:31:23.680 you trying to get Dan McKenzie on? Kachina trying to 1736 01:31:23.720 --> 01:31:25.479 get Dan McKenzie on. Please, I'm going to go to 1737 01:31:25.520 --> 01:31:27.479 Brian right now while we wait to try to get 1738 01:31:27.560 --> 01:31:29.800 Dan on. Okay, So what's going on. 1739 01:31:30.720 --> 01:31:33.920 Uh, Brian, Hey, Tom, how's it going today? 1740 01:31:34.760 --> 01:31:35.960 Good man? What's happening? 1741 01:31:36.359 --> 01:31:36.600 Good? 1742 01:31:37.479 --> 01:31:41.239 So, I guess part of it's going to be informational. 1743 01:31:41.399 --> 01:31:43.720 Part of it's going to be, you know, uh kind 1744 01:31:43.760 --> 01:31:47.199 of looking for some feedback from you. But sure, put 1745 01:31:47.239 --> 01:31:49.399 some put earnest money down on the house. You know, 1746 01:31:49.520 --> 01:31:52.239 looked at the house, liked it, put the earnest money down, 1747 01:31:52.520 --> 01:31:55.880 you know. Uh, started on inspections and and when we 1748 01:31:56.039 --> 01:31:59.760 originally walked to the property, it does have a leech field, 1749 01:32:00.239 --> 01:32:02.479 you know, in a septic system, and we noticed that 1750 01:32:02.560 --> 01:32:04.760 the leechfield was a little damp looking, even though the 1751 01:32:05.039 --> 01:32:07.760 area around it was relatively dry. So we knew it 1752 01:32:07.840 --> 01:32:10.000 was something we needed to have, you know, on inspection. 1753 01:32:11.199 --> 01:32:14.239 And so what we did is we had the inspection 1754 01:32:14.439 --> 01:32:19.000 called both a septic inspector and then also you know 1755 01:32:19.119 --> 01:32:21.399 the whole the whole house, you know, check for rate 1756 01:32:21.479 --> 01:32:24.520 on the whole deal. Sure, we had those guys come out, 1757 01:32:25.840 --> 01:32:30.640 and the septic guy, he's a licensed guy, right, so 1758 01:32:31.359 --> 01:32:34.760 he says, yeah, absolutely that that leachfield is in failure. 1759 01:32:34.960 --> 01:32:37.680 You know, there's green grass growing all the way around 1760 01:32:37.760 --> 01:32:40.199 it or in the middle of it with bright green grass, 1761 01:32:40.319 --> 01:32:43.960 right in the center and it's wet. So you know, 1762 01:32:44.039 --> 01:32:48.159 we present that to the to the cellar. And you know, 1763 01:32:48.319 --> 01:32:50.920 first well even before that he was saying, oh, yeah, 1764 01:32:50.920 --> 01:32:51.600 you know whatever. 1765 01:32:51.560 --> 01:32:54.039 When you said it was a licensed contractor do you 1766 01:32:54.159 --> 01:32:57.640 mean licensed with the Health Department for septics. 1767 01:32:58.239 --> 01:33:01.560 Yes, yes, license with the Health Recepting Inspection. Got it, 1768 01:33:02.439 --> 01:33:08.000 and so of course it failed. And uh then you know, 1769 01:33:08.159 --> 01:33:10.680 up to that point that the seller had been saying, hey, 1770 01:33:10.760 --> 01:33:13.000 you know whatever, you know, whatever we need to do 1771 01:33:13.239 --> 01:33:15.720 to make the deal, you know, whatever I need to repair, 1772 01:33:15.800 --> 01:33:16.359 no big deal. 1773 01:33:17.199 --> 01:33:19.239 So we let him know. 1774 01:33:19.439 --> 01:33:21.680 Well, I don't care, way, Brian, I don't care what 1775 01:33:21.800 --> 01:33:24.319 he said. I don't care what he said. What I 1776 01:33:24.439 --> 01:33:27.640 care about is the amendment to the contract that said 1777 01:33:27.760 --> 01:33:28.600 it would be fixed. 1778 01:33:29.640 --> 01:33:34.239 Uh, getting to that, but yes, we actually didn't get 1779 01:33:34.359 --> 01:33:38.319 that far. He then came back and said, I absolutely 1780 01:33:38.560 --> 01:33:43.479 unequivocally refuse, you know, to to pay for any leechfield work. 1781 01:33:44.560 --> 01:33:46.279 So you know, of course we have the ability to 1782 01:33:47.000 --> 01:33:48.159 get out of the contract. 1783 01:33:48.640 --> 01:33:49.840 Yes, of course, of course. 1784 01:33:50.359 --> 01:33:53.560 And this is where this, like I said, we ended 1785 01:33:53.640 --> 01:33:57.800 up canceling. Are in sure getting you know, doing undoing 1786 01:33:57.880 --> 01:34:01.000 the deal basically, but got it where I'm going with 1787 01:34:01.159 --> 01:34:06.279 this is you know, where where is the function between 1788 01:34:06.479 --> 01:34:11.199 either health department or or and or these sellers, Because 1789 01:34:11.319 --> 01:34:13.319 what this guy did is he had his own guy 1790 01:34:13.520 --> 01:34:16.840 come out pump the tank and do an inspection it 1791 01:34:17.319 --> 01:34:21.920 and the leech field failed. He tells this guy he's 1792 01:34:22.000 --> 01:34:25.199 trying to coerce this guy into passing it into you know, 1793 01:34:25.279 --> 01:34:28.159 another licensed inspector into passing it. 1794 01:34:30.880 --> 01:34:32.039 People do it all day long. 1795 01:34:32.640 --> 01:34:34.439 And then he. 1796 01:34:34.720 --> 01:34:37.680 Actually gets another guy out there, so he's been shopping 1797 01:34:37.720 --> 01:34:43.039 around who passes it sure? You know, ultimately now that 1798 01:34:43.199 --> 01:34:46.319 he knows it failed twice, if he doesn't put that 1799 01:34:46.439 --> 01:34:49.960 on the disclosure notice and doesn't disclose it to the 1800 01:34:50.079 --> 01:34:53.680 next buyer, you know, they probably just switched the zones 1801 01:34:54.000 --> 01:34:57.159 so it'll dry out and it'll look like it's working 1802 01:34:57.279 --> 01:34:58.479 until they go to switch to the. 1803 01:34:58.520 --> 01:35:02.359 Two zones that are sure. Sure, And you know what, 1804 01:35:02.520 --> 01:35:03.800 I guess we're we're. 1805 01:35:03.760 --> 01:35:06.399 Just it's kin like I said, it's kind of twofold. 1806 01:35:06.680 --> 01:35:09.000 You know, just wanted to express what happened and for 1807 01:35:09.119 --> 01:35:12.239 people to watch out. But also, you know, what is 1808 01:35:12.479 --> 01:35:16.840 uh uh, what is that next buyer's recourse? 1809 01:35:18.760 --> 01:35:21.000 You know, when it's so nice that you care about 1810 01:35:21.000 --> 01:35:24.319 the other buyers. But here's the bottom line. It's up 1811 01:35:24.399 --> 01:35:26.600 to them to discover it, and it's up to them 1812 01:35:26.680 --> 01:35:30.399 to make an exception. And if they don't, who's to 1813 01:35:30.520 --> 01:35:32.720 say the third guy isn't right and that it won't 1814 01:35:32.800 --> 01:35:37.920 keep working. I mean, Brian, you're just basically wasting time worrying. Really, 1815 01:35:38.159 --> 01:35:40.560 you're a good guy. I can hear that, and I 1816 01:35:40.760 --> 01:35:43.600 used to have the same concerns I was. In fact, 1817 01:35:43.680 --> 01:35:47.000 here's why I was concerned. I was pissed off because 1818 01:35:47.039 --> 01:35:50.119 I found a beautiful home, but I found something wrong 1819 01:35:50.199 --> 01:35:53.359 with it that was significant. I happen to know people 1820 01:35:53.439 --> 01:35:56.640 who could fix it, but I knew this guy wouldn't 1821 01:35:56.640 --> 01:36:00.000 get it done. The seller and he canceled my contract 1822 01:36:00.199 --> 01:36:02.079 saying no, we're not going to do it, so we 1823 01:36:02.239 --> 01:36:05.279 walked away, but I knew that someone else was going 1824 01:36:05.359 --> 01:36:08.680 to get screwed, and worse than that, the real prop 1825 01:36:08.720 --> 01:36:11.000 bottom line was, I was pissed that I couldn't get 1826 01:36:11.039 --> 01:36:14.760 the house, but I wouldn't pay for a defect like that, 1827 01:36:15.239 --> 01:36:18.439 whereas he can get somebody else who's unsuspecting to pay 1828 01:36:18.560 --> 01:36:20.920 for it. Now, I could be a prick and walk 1829 01:36:21.039 --> 01:36:23.800 up and knock on the door and say, hey, if 1830 01:36:23.840 --> 01:36:26.479 you are looking to buy this house, or if you bought. 1831 01:36:26.279 --> 01:36:28.520 This house, you know, I got something to tell you 1832 01:36:28.560 --> 01:36:28.880 about it. 1833 01:36:29.279 --> 01:36:31.760 And people do that a lot. I mean, it's really 1834 01:36:31.840 --> 01:36:35.359 none of your business in a way. Okay, but sure, 1835 01:36:35.640 --> 01:36:38.279 I don't you know, this seller has a lot of 1836 01:36:38.399 --> 01:36:41.359 liability if it turns out to be a failure and 1837 01:36:41.520 --> 01:36:43.039 he withheld pertinent. 1838 01:36:42.800 --> 01:36:45.960 Information and he's gonna have he's going to have to 1839 01:36:46.000 --> 01:36:50.199 have a license professional lie about it. I mean most jurisdictions, 1840 01:36:50.279 --> 01:36:53.159 like all of Douglas County. I mean, you have to 1841 01:36:53.199 --> 01:36:56.640 have a licensed professional sign off. And if someone comes 1842 01:36:56.680 --> 01:36:58.720 out there and lies that it's in good shape, they 1843 01:36:58.800 --> 01:36:59.840 could lose their license. 1844 01:37:01.159 --> 01:37:05.560 Yeah, but what if it's a difference of opinion, Because 1845 01:37:05.760 --> 01:37:10.079 people do this all the time with foundation repairs and things. 1846 01:37:10.159 --> 01:37:12.359 They do it all the time. They shop the person 1847 01:37:12.760 --> 01:37:16.680 that gives them the best answer. Now, this seller can say, look, 1848 01:37:17.119 --> 01:37:20.319 I just depended on an expert. Now you can say, 1849 01:37:20.399 --> 01:37:22.680 but why didn't you depend on the first two experts, 1850 01:37:23.079 --> 01:37:26.000 And he can easily say, because I wanted to make sure. 1851 01:37:26.760 --> 01:37:30.279 I mean, it's too hard to get involved in this 1852 01:37:30.399 --> 01:37:33.800 thing at this point, it really is. It's really let 1853 01:37:33.880 --> 01:37:37.800 the buyer beware and Mark, what do you think. I mean, 1854 01:37:37.960 --> 01:37:41.159 I'd be pissed if I knew that this guy had 1855 01:37:41.199 --> 01:37:43.239 had it done twice. I think it's going to be 1856 01:37:43.279 --> 01:37:43.640 about it. 1857 01:37:43.880 --> 01:37:45.560 I think it's going to be hard to find a 1858 01:37:45.720 --> 01:37:48.720 license professional to sign off if it's bad. 1859 01:37:49.079 --> 01:37:52.680 He already did, he said, Brian. Didn't he already find someone? 1860 01:37:53.880 --> 01:37:56.439 Yes, yes he did. He found that the third guy 1861 01:37:56.600 --> 01:38:01.840 shopped signed off on it. Wow, And yeah, I mean 1862 01:38:02.079 --> 01:38:04.720 it was muddy. It's been dry in the in the 1863 01:38:04.800 --> 01:38:09.560 area where we live, and that entire section where where 1864 01:38:09.600 --> 01:38:12.159 they still had those two zones operating, and it looked 1865 01:38:12.199 --> 01:38:14.640 like those zones had been on for probably the last 1866 01:38:15.239 --> 01:38:16.359 And you're a little. 1867 01:38:16.159 --> 01:38:18.560 Pissed because you like the house, Brian, Right, you're a 1868 01:38:18.600 --> 01:38:19.960 little pissed because you like the house. 1869 01:38:20.039 --> 01:38:22.600 Right you you were your story was identical. 1870 01:38:22.800 --> 01:38:26.640 Yeah, yeah, you know and yeah you yeah. 1871 01:38:28.079 --> 01:38:29.880 So how much is it going to cost to fix it? 1872 01:38:30.800 --> 01:38:34.079 It's twenty grand And that's when for a new Leachfield. 1873 01:38:34.079 --> 01:38:38.359 Because again, just like Mark said, you have to have 1874 01:38:38.560 --> 01:38:40.880 someone now a days. You can't just put in your 1875 01:38:40.920 --> 01:38:43.880 own leach Field. You have to have a license. 1876 01:38:44.039 --> 01:38:45.960 Well, you never could put in your own leach You 1877 01:38:46.119 --> 01:38:48.239 never could put in your own leach field. Well, not 1878 01:38:48.359 --> 01:38:48.880 that I know of. 1879 01:38:49.119 --> 01:38:51.079 You'll have to tell that to my dad, I guess. 1880 01:38:51.199 --> 01:38:54.960 But well, I mean, I guess you could have fifty 1881 01:38:55.079 --> 01:38:59.399 years ago. I mean when I came to Colorado, even 1882 01:38:59.479 --> 01:39:01.479 forty five years ago, when I was building a home, 1883 01:39:01.520 --> 01:39:03.720 I had to have everything approved on that leech field 1884 01:39:04.000 --> 01:39:05.359 and on that septic system. 1885 01:39:06.159 --> 01:39:09.319 Yeah yeah, really Now, now, Brian, you. 1886 01:39:09.399 --> 01:39:10.079 Heard the price. 1887 01:39:10.319 --> 01:39:12.720 He was just he was just done it. And again, 1888 01:39:13.039 --> 01:39:14.920 you know, I'm not going to buy a house with 1889 01:39:15.239 --> 01:39:18.119 a known defect, you know, when we were offering, you know, 1890 01:39:18.239 --> 01:39:19.199 full asking on it. 1891 01:39:19.399 --> 01:39:22.199 So but if you like the house, what I'm asking 1892 01:39:22.399 --> 01:39:26.520 seriously is this, would it be a deal breaker? 1893 01:39:26.760 --> 01:39:28.000 That extra twenty grand? 1894 01:39:29.600 --> 01:39:33.720 It would because it's it's top dollar for a top 1895 01:39:33.840 --> 01:39:38.560 dollar house. You know, no other concessions, no other anything 1896 01:39:38.680 --> 01:39:39.319 off the house. 1897 01:39:39.439 --> 01:39:42.359 So okay, Well, someone else is going to get the house, 1898 01:39:42.760 --> 01:39:44.640 and they're probably going to be fat and happy for 1899 01:39:44.720 --> 01:39:46.840 a few years, and then they're going to have to 1900 01:39:46.920 --> 01:39:48.199 fix the septic system. 1901 01:39:48.800 --> 01:39:51.680 Yeah, very true. 1902 01:39:51.680 --> 01:39:53.199 You know, I mean, how do you stop it? 1903 01:39:53.640 --> 01:39:55.359 I mean, you could be a real jerk. I mean, 1904 01:39:55.399 --> 01:39:57.359 I don't mean a jerk. You could be a real 1905 01:39:57.600 --> 01:40:01.399 like concerned citizen and prote outside the house. I mean, 1906 01:40:02.039 --> 01:40:04.800 you know, I mean you could disclosure form. 1907 01:40:05.439 --> 01:40:08.119 I wonder if it says like I wonder how it's 1908 01:40:08.199 --> 01:40:11.279 phrased to where do you think the guy would be lying. 1909 01:40:11.199 --> 01:40:14.439 Because two other people didn't pass it? And for example, 1910 01:40:14.560 --> 01:40:17.319 it says, let's ask Frank Duran the real estate I 1911 01:40:17.399 --> 01:40:19.399 want to call. Let's call Frank Duran in the real 1912 01:40:19.479 --> 01:40:24.600 estate man and ask his opinion. I'm serious, cool, So 1913 01:40:24.720 --> 01:40:27.039 hold on, we're gonna ask him. We have another expert, 1914 01:40:27.119 --> 01:40:28.920 Dan Mackenzie. I'm going to bring up right after this. 1915 01:40:29.359 --> 01:40:31.880 Dan is an estate planning attorney. We have an important 1916 01:40:31.920 --> 01:40:38.960 question for him. Right after this, go with a sure 1917 01:40:39.079 --> 01:40:42.520 thing Denver's Best rufer excel roofing dot com. You don't 1918 01:40:42.520 --> 01:40:48.520 pay a cent until you're content. Time for an insurance 1919 01:40:48.640 --> 01:40:52.319 check up free, no obligation. In comparison, call Compass Insurance 1920 01:40:52.520 --> 01:40:55.479 paying too much your coverage at dozens of insurance companies 1921 01:40:55.600 --> 01:40:57.640 find out now three oh three, seven to seven to 1922 01:40:57.680 --> 01:41:00.439 one help. You'll think you're his only custom when you 1923 01:41:00.560 --> 01:41:02.920 choose Frank durand the real estate Man dot com to 1924 01:41:03.079 --> 01:41:06.239 list your home with Remax Alliance three oh three nine 1925 01:41:06.279 --> 01:41:13.000 two zero sixteen twenty two Martino, you're troubleshooter three oh 1926 01:41:13.079 --> 01:41:15.439 three seven one three talk seven one three eight two 1927 01:41:15.520 --> 01:41:18.560 five five. So I want to talk to Dan McKenzie 1928 01:41:18.560 --> 01:41:22.279 in estate planning attorney we used as our expert. Hey, Dan, 1929 01:41:23.760 --> 01:41:28.600 listen to this one. This woman pays a contractor up 1930 01:41:28.640 --> 01:41:33.199 front ten grand. He bought her, He bought her home, 1931 01:41:33.479 --> 01:41:38.079 her permit to start the project. But he pays her 1932 01:41:38.159 --> 01:41:40.560 ten grand. She pays him ten grand, he buys the 1933 01:41:40.640 --> 01:41:45.479 permit and dies. So now there's a seventy five hundred 1934 01:41:45.520 --> 01:41:51.119 dollars balance and she wants to get it. So she 1935 01:41:51.319 --> 01:41:57.760 put in a claim with his estate, and Katie, what happened? 1936 01:41:57.840 --> 01:41:59.880 The attorney for the estate called. 1937 01:41:59.640 --> 01:42:06.239 You, Katie? 1938 01:42:07.079 --> 01:42:09.560 Is she not with us anymore? Can yes? 1939 01:42:09.720 --> 01:42:09.960 Katie? 1940 01:42:10.000 --> 01:42:12.359 Go ahead? Yeah, so ahead, Katie. 1941 01:42:12.720 --> 01:42:16.319 Okay, I'm here. So I received from the attorney of 1942 01:42:16.399 --> 01:42:20.720 his estate a notice of disallowance, and when I contacted them, 1943 01:42:20.840 --> 01:42:24.760 I said, why was it disallowed? And she said, you 1944 01:42:25.159 --> 01:42:28.319 filed it against his estate. You need to file it 1945 01:42:28.479 --> 01:42:32.720 against his business. And I said, in the filing I 1946 01:42:32.800 --> 01:42:36.159 also included the name of his business. But she also 1947 01:42:36.279 --> 01:42:40.119 indicated well that there are pretty much no funds in 1948 01:42:40.359 --> 01:42:44.560 his business to distribute. But she claimed that I filed 1949 01:42:44.600 --> 01:42:48.800 it incorrectly, so his business does not appear to be 1950 01:42:48.840 --> 01:42:49.560 an LLC. 1951 01:42:50.319 --> 01:42:52.560 So I just want to know who can I file 1952 01:42:52.640 --> 01:42:53.119 this against. 1953 01:42:53.199 --> 01:42:56.119 Now, well, let me ask you this first, Katie, what 1954 01:42:57.000 --> 01:42:58.880 what is it? If it's not an LLC? 1955 01:43:00.079 --> 01:43:00.479 I don't know. 1956 01:43:00.800 --> 01:43:02.000 It's all its states? 1957 01:43:02.239 --> 01:43:02.880 Is that you know? 1958 01:43:02.960 --> 01:43:05.119 I made the checkout to the name of his business. 1959 01:43:05.359 --> 01:43:07.079 What is the name of and what's the name of 1960 01:43:07.119 --> 01:43:08.680 the what's the name of the business? 1961 01:43:10.279 --> 01:43:14.640 It was called one Wolf Filders, and so I made 1962 01:43:14.680 --> 01:43:16.640 the checkout to his business. 1963 01:43:16.760 --> 01:43:19.560 Only when he cast the check he signed it. 1964 01:43:20.039 --> 01:43:21.840 I made it out to him it was. 1965 01:43:22.079 --> 01:43:24.000 You know, signed by one Wolf Fielders. 1966 01:43:24.479 --> 01:43:28.720 So I'm not quite sure, you know, is what I 1967 01:43:28.760 --> 01:43:29.479 should find out? 1968 01:43:29.600 --> 01:43:32.039 Is there a different Do you know if he's the 1969 01:43:32.239 --> 01:43:34.159 only one that do you know if he's the only 1970 01:43:34.239 --> 01:43:39.439 one that owns that business? Yes he is, because if 1971 01:43:39.439 --> 01:43:41.880 he is, it would be a disregarded entity. But I 1972 01:43:42.000 --> 01:43:45.039 want to ask Dan McKenzie, the expert here, what does 1973 01:43:45.119 --> 01:43:45.359 she do? 1974 01:43:45.880 --> 01:43:46.079 Dan? 1975 01:43:47.479 --> 01:43:48.800 I think she's got two pads? 1976 01:43:48.920 --> 01:43:50.279 What what do you how much are you trying to 1977 01:43:50.319 --> 01:43:55.800 recovertate seventy I mean you're exactly at these small flames limit, 1978 01:43:55.960 --> 01:43:59.960 so you could file a small flames case probably, yeah, 1979 01:44:00.279 --> 01:44:04.079 the business and me. I mean, you know when as 1980 01:44:04.119 --> 01:44:06.279 a planet's attorney, we just suit everybody, right, so you 1981 01:44:06.399 --> 01:44:08.439 suit the age and to the business and just let 1982 01:44:08.520 --> 01:44:12.000 them sort it out. And then the other thing is, 1983 01:44:12.039 --> 01:44:14.239 I don't know how long ago you got that disallowance 1984 01:44:14.279 --> 01:44:17.039 to claim, but that is something you can challenge. 1985 01:44:17.119 --> 01:44:17.960 You can then ask the. 1986 01:44:18.000 --> 01:44:21.800 Court to uh, you can file your objection to that disallowance. 1987 01:44:22.039 --> 01:44:24.680 You have, Yes, I have three days to do that, 1988 01:44:25.039 --> 01:44:28.000 so I'm I'm gonna do that. But you know you 1989 01:44:28.159 --> 01:44:32.279 claimed that there are no funds in this business. 1990 01:44:32.439 --> 01:44:36.520 Dan, I'm hoping you can hold so on. So what 1991 01:44:36.720 --> 01:44:40.640 hang on, We'll come back with more. Go with a 1992 01:44:40.760 --> 01:44:44.239 sure thing Denver's Best roofer Excel roofing dot com. You 1993 01:44:44.319 --> 01:44:50.079 don't pay a cent until you're content. Time for an 1994 01:44:50.119 --> 01:44:54.279 insurance check up free no obligation comparison call Compass Insurance 1995 01:44:54.479 --> 01:44:57.479 paying too much your coverage at dozens of insurance companies 1996 01:44:57.600 --> 01:44:59.720 find out now three all three seven seven to one. 1997 01:44:59.800 --> 01:45:02.399 Hell help, You'll think you're his only customer. When you 1998 01:45:02.520 --> 01:45:04.920 choose Frank durand the real estate Man dot Com to 1999 01:45:05.039 --> 01:45:08.239 list your home with Remax Alliance three oh three nine 2000 01:45:08.279 --> 01:45:09.720 two zero sixteen twenty two. 2001 01:45:15.279 --> 01:45:15.800 Ripped of. 2002 01:45:17.560 --> 01:45:20.560 News, need advice so you don't have. 2003 01:45:22.800 --> 01:45:25.199 Come running Just as fast as we can. 2004 01:45:26.119 --> 01:45:29.159 Shooter's gonna help come man. 2005 01:45:30.000 --> 01:45:37.079 This is the Troubleshooter Show. No Tom Martino. Hello, I'm 2006 01:45:37.239 --> 01:45:39.520 Tom Martino. Welcome to the show. This hour brought to 2007 01:45:39.520 --> 01:45:42.000 you by renew Home Innovations with the most beautiful shower 2008 01:45:42.079 --> 01:45:45.640 conversions you're ever gonna see ever, porcelain sheets that need 2009 01:45:45.760 --> 01:45:48.479 no maintenance, that look like a million bucks. And they 2010 01:45:48.560 --> 01:45:50.079 can do these in two or three days, and you 2011 01:45:50.199 --> 01:45:53.920 get several financing options with low interest sometimes no interest. 2012 01:45:54.279 --> 01:45:57.720 Renew Home Innovations dot Com three oh three nine zero 2013 01:45:57.880 --> 01:46:01.640 four two thousand. Frank Duran in the real Estate Man's 2014 01:46:01.680 --> 01:46:03.479 on to answer a quick question for us we wanted to. 2015 01:46:03.520 --> 01:46:04.199 Know about. 2016 01:46:05.520 --> 01:46:11.279 Because it is a very important question and maybe he 2017 01:46:11.359 --> 01:46:15.439 can tell us. Frank Duran, Welcome, We love you, brother, 2018 01:46:15.640 --> 01:46:20.840 Thank you for being here. Hey brother, let me tell 2019 01:46:20.840 --> 01:46:23.279 you what happened, Frank. This guy Brian puts money down 2020 01:46:23.319 --> 01:46:26.760 on a house. He's doing his due diligence and comes 2021 01:46:26.800 --> 01:46:29.960 across a bad leech field. The seller says, we're not 2022 01:46:30.039 --> 01:46:32.720 going to fix it, take it or leave it. He's 2023 01:46:32.760 --> 01:46:35.520 looking at twenty thousand in repairs. He decides he doesn't 2024 01:46:35.560 --> 01:46:38.640 want it. He gets his earning earnest money back and 2025 01:46:38.760 --> 01:46:44.159 he moves on. He subsequently finds out that the seller 2026 01:46:44.800 --> 01:46:52.680 was shopping other septic licensed septic inspectors, and after going 2027 01:46:52.760 --> 01:46:55.720 through the first and the second, found a third one 2028 01:46:56.720 --> 01:46:59.680 who was able to sign it off, saying it's fine. 2029 01:47:00.960 --> 01:47:05.479 He's concerned that the next person who buys this is 2030 01:47:05.600 --> 01:47:07.640 going to be ripped off, and he's kind of pissed 2031 01:47:07.680 --> 01:47:09.880 off because he thinks the owner should be made to 2032 01:47:09.960 --> 01:47:14.439 fix it. So, I guess the question is what do 2033 01:47:14.560 --> 01:47:15.920 you do in a case like that? I mean, there's 2034 01:47:15.960 --> 01:47:17.159 really nothing you can do about it. 2035 01:47:17.239 --> 01:47:17.359 Right? 2036 01:47:17.720 --> 01:47:19.119 Would this guy be in trouble? 2037 01:47:19.359 --> 01:47:24.119 What does the disclosure say specifically about the septic or 2038 01:47:24.239 --> 01:47:26.600 the sewer system? What does it say? 2039 01:47:26.680 --> 01:47:28.159 Does it say did you ever. 2040 01:47:28.159 --> 01:47:28.680 Have a problem? 2041 01:47:28.720 --> 01:47:30.560 Do you know of a problem? Is there a problem? 2042 01:47:30.840 --> 01:47:31.600 What does it say? 2043 01:47:32.479 --> 01:47:32.680 Yeah? 2044 01:47:32.840 --> 01:47:33.840 Tom, great questions? 2045 01:47:33.880 --> 01:47:37.640 So that is actually item eye of the seller's property disclosure. 2046 01:47:37.680 --> 01:47:40.399 It says specifically this, It says if you know of 2047 01:47:40.560 --> 01:47:43.359 any problems ever existing? And they put in all bold 2048 01:47:43.520 --> 01:47:46.359 ever existing with the following check yes. And one of 2049 01:47:46.399 --> 01:47:49.199 those questions is the septics. So they talk about when 2050 01:47:49.199 --> 01:47:51.720 the last time it was pumped on, any problems with 2051 01:47:51.760 --> 01:47:53.479 the septics, So that would need to be disclosed if 2052 01:47:53.720 --> 01:47:55.960 there was ever a problem, even if the problem has 2053 01:47:56.000 --> 01:47:59.079 been fixed subsequently, if there was ever a problem, it 2054 01:47:59.159 --> 01:47:59.960 must be disclosed. 2055 01:48:01.680 --> 01:48:04.560 If this guy does not check yes on that because 2056 01:48:04.600 --> 01:48:06.760 it was a failed leach Field, even though he found 2057 01:48:06.800 --> 01:48:10.239 someone who said it wasn't failed, can he claim well, 2058 01:48:10.279 --> 01:48:15.199 there really wasn't ever a problem because the third guy 2059 01:48:15.359 --> 01:48:17.359 said it was a misdiagnosis. 2060 01:48:18.239 --> 01:48:20.880 Well, Tom, you know, yeah, technically he could put that 2061 01:48:21.000 --> 01:48:22.640 on there, but he might be getting himself into some 2062 01:48:22.760 --> 01:48:25.239 muddy waters if he does that. And uh, you know, 2063 01:48:25.439 --> 01:48:27.720 and quite honestly, let me ask you this, the buyer 2064 01:48:27.760 --> 01:48:32.479 who wrote the offer, I'm trusting they had a realter, correct, Yeah, 2065 01:48:32.520 --> 01:48:33.800 well I I think so, yes. 2066 01:48:34.119 --> 01:48:34.399 Okay. 2067 01:48:34.680 --> 01:48:37.800 So another thought too is that relter could potentially send 2068 01:48:37.800 --> 01:48:40.560 an email to the listing realtor and say, hey, we 2069 01:48:40.680 --> 01:48:42.960 have concerns about this for this reason or whatnot. You know, 2070 01:48:43.439 --> 01:48:45.560 just a food for thought, because then it becomes sort 2071 01:48:45.600 --> 01:48:49.840 of a red flag now that rilter has knowledge of that. Realistically, 2072 01:48:49.880 --> 01:48:52.039 what they should be doing is talking to their clients saying, hey, 2073 01:48:52.119 --> 01:48:54.960 you know, here's a concern, get a new buyer involved, 2074 01:48:54.960 --> 01:48:57.000 and you say, okay, this could you know you, mister 2075 01:48:57.039 --> 01:48:58.760 buyer should still do your own du diligence and do 2076 01:48:58.840 --> 01:49:04.479 your own inspection as well. Yeah, yeah, yeah, you know, 2077 01:49:04.560 --> 01:49:07.760 because there have you ever had people well that's right, 2078 01:49:07.800 --> 01:49:08.560 come go ahead. 2079 01:49:09.600 --> 01:49:11.920 No, I'm fine, go ahead, Frank, Well, I was. 2080 01:49:11.920 --> 01:49:14.159 Going to say, on the seller's property disclosure, there's also 2081 01:49:14.159 --> 01:49:15.920 a portion a lot of people forget about this where 2082 01:49:15.920 --> 01:49:18.720 it says advisory to buyer and where the buyer actually 2083 01:49:18.800 --> 01:49:20.800 signs that. It says the buyer should thoroughly do their 2084 01:49:20.840 --> 01:49:23.600 own investigation as well, not just solely rely on the seller. 2085 01:49:23.760 --> 01:49:26.159 So that is a portion that buyer does acknowledge and 2086 01:49:26.279 --> 01:49:26.840 sign as well. 2087 01:49:29.720 --> 01:49:34.199 Have you ever had something that was certified that turned 2088 01:49:34.199 --> 01:49:34.560 out to be. 2089 01:49:34.640 --> 01:49:38.479 Bad, certified to turn out to be bad? 2090 01:49:38.720 --> 01:49:43.000 I remember one that Frank was involved in, or at 2091 01:49:43.079 --> 01:49:44.760 least helped us out. I don't know if he was 2092 01:49:44.800 --> 01:49:48.720 a realtor, but it was a town home and one 2093 01:49:48.920 --> 01:49:52.279 side flooded and on the disclosure they put there was 2094 01:49:52.399 --> 01:49:55.960 never flood damage, and then of course the neighbor who 2095 01:49:56.119 --> 01:49:58.800 still lived there knew that it flooded and there was 2096 01:49:58.920 --> 01:49:59.680 flood damage. 2097 01:50:02.560 --> 01:50:05.560 Boy Mark, that goes back. I've never personally Tom had 2098 01:50:05.640 --> 01:50:09.159 that that I could recall that I can. Yeah, I've 2099 01:50:09.199 --> 01:50:12.039 done so many of these, but yeah, I mean instances 2100 01:50:12.119 --> 01:50:14.560 like this where we've helped him with troubleshooter, I've seen it. 2101 01:50:14.680 --> 01:50:17.239 Have you ever had any, Frank, how about this one. 2102 01:50:17.720 --> 01:50:23.079 Have you ever had any where you rejected something due 2103 01:50:23.119 --> 01:50:26.399 to an inspection item and you know they never addressed 2104 01:50:26.399 --> 01:50:28.920 it or fixed it, and they resold it to someone else. 2105 01:50:30.119 --> 01:50:32.279 Sure, but if that happens, then it becomes a point 2106 01:50:32.319 --> 01:50:34.560 of disclay. If I'm on the listing side, we certainly 2107 01:50:34.600 --> 01:50:36.479 would disclose that and I would tell my seller that's 2108 01:50:36.479 --> 01:50:39.359 adverse material fact if we have knowledge, and that would 2109 01:50:39.359 --> 01:50:41.960 be disclosed. And I've never had a problem with anybody 2110 01:50:42.039 --> 01:50:43.920 doing that. Now if they did, I'd have to politely 2111 01:50:43.960 --> 01:50:46.079 give the listing back, Tom, because that can get you 2112 01:50:46.119 --> 01:50:48.279 in a lot of trouble if you're not disclosing those things. 2113 01:50:50.560 --> 01:50:53.000 No, I know it, Frank, I mean you're very upfront 2114 01:50:53.000 --> 01:50:53.359 about that. 2115 01:50:53.600 --> 01:50:56.000 You've I've dealt with you in the past. Of course, 2116 01:50:56.079 --> 01:50:56.880 on many houses. 2117 01:50:57.439 --> 01:51:02.079 Frank Duran, the real estate man dot Com went away 2118 01:51:02.199 --> 01:51:03.000 better than Frankie. 2119 01:51:03.399 --> 01:51:06.520 I remember one Frank that you were you. We just 2120 01:51:06.640 --> 01:51:11.000 had this discussion last week. He sold a town home 2121 01:51:11.479 --> 01:51:14.039 and they said that the address was correct. Now I'm 2122 01:51:14.079 --> 01:51:17.359 not getting this perfect, but in that the address had 2123 01:51:17.399 --> 01:51:21.319 been split properly, and everybody thought it had. But it 2124 01:51:21.479 --> 01:51:23.680 did not get split. In other words, it was just 2125 01:51:23.840 --> 01:51:26.640 one room. But that was literally on the disclosure for 2126 01:51:26.760 --> 01:51:27.439 a townhouse. 2127 01:51:27.479 --> 01:51:30.039 You told me, right, yeah, So what it. 2128 01:51:30.239 --> 01:51:32.159 Was is we had checked with title ahead of time 2129 01:51:32.439 --> 01:51:35.640 to confirm this and they'd said it was legally split. 2130 01:51:35.840 --> 01:51:38.920 And so what happened is when we'd got to close. Now, now, 2131 01:51:39.000 --> 01:51:42.319 typically guys, though in a normal transaction, what would normally 2132 01:51:42.359 --> 01:51:44.359 happen is the buyer would say, okay, well, then why 2133 01:51:44.359 --> 01:51:46.319 don't you just fix it? Title offered to fix it. 2134 01:51:46.800 --> 01:51:49.119 This particular buyer says, nope, what else you're going to 2135 01:51:49.159 --> 01:51:52.760 give me? And it became a point of negotiation. Of course, 2136 01:51:52.800 --> 01:51:54.880 it went to mediation. It did you finally get solved, 2137 01:51:54.880 --> 01:51:57.039 Thank god, it did. But that was something where we 2138 01:51:57.239 --> 01:51:59.760 the title company had erroneously said it was split when 2139 01:51:59.760 --> 01:52:00.199 it was not. 2140 01:52:04.000 --> 01:52:06.439 Thank you Frank durand the real estate man dot com 2141 01:52:06.560 --> 01:52:11.800 three oh three nine two zero sixteen twenty two. Don't 2142 01:52:11.800 --> 01:52:14.199 forget his free market evaluations as well. 2143 01:52:14.680 --> 01:52:21.920 So, Katie, we talked to Dan McKenzie off the air. 2144 01:52:22.000 --> 01:52:22.560 He had to run. 2145 01:52:23.880 --> 01:52:25.479 He said, the best thing you're gonna do. 2146 01:52:25.680 --> 01:52:29.720 First of all, if it's a single member LLC or 2147 01:52:29.800 --> 01:52:32.880 a single member business, it's going to be a disregarded entity. 2148 01:52:33.840 --> 01:52:35.640 You don't have to go after the business. You can 2149 01:52:35.720 --> 01:52:38.079 go after him personally, and you can do it in 2150 01:52:38.159 --> 01:52:40.720 small claims court. He said, you should probably sue both 2151 01:52:40.760 --> 01:52:42.439 the estate and the company both. 2152 01:52:43.319 --> 01:52:46.600 Okay, great, and since. 2153 01:52:46.439 --> 01:52:48.920 It's seventy five hundred, you have the luxury of going 2154 01:52:49.000 --> 01:52:50.079 to small claims court. 2155 01:52:50.920 --> 01:52:54.199 Okay, that's that's good advice. Thank you so much. I 2156 01:52:54.279 --> 01:52:54.880 appreciate it. 2157 01:52:55.239 --> 01:52:58.399 Do you think his personal estate has the money to pay. 2158 01:53:00.239 --> 01:53:01.239 His personal estate? 2159 01:53:01.399 --> 01:53:02.119 Does? I know? 2160 01:53:02.399 --> 01:53:04.199 His business does not? 2161 01:53:04.680 --> 01:53:09.359 So that's why I felt, you know that, I was. 2162 01:53:09.520 --> 01:53:12.119 Very disc almost does his personal estate have. 2163 01:53:13.319 --> 01:53:18.079 Well, here's all I know they He and his family 2164 01:53:18.279 --> 01:53:25.319 owned several pieces of property in Jefferson County, so I 2165 01:53:25.479 --> 01:53:29.880 know that much. Now that's not to say that things 2166 01:53:29.920 --> 01:53:32.279 are you know, I don't know. 2167 01:53:32.520 --> 01:53:33.920 You know, we'll see, you. 2168 01:53:33.960 --> 01:53:34.520 Know, we'll see. 2169 01:53:35.359 --> 01:53:38.039 Yeah, it doesn't matter what his family owns, you know that, right. 2170 01:53:38.119 --> 01:53:41.520 Right, yes, exactly, it's his personal estate. I'm saying, he 2171 01:53:41.640 --> 01:53:42.239 and his wife. 2172 01:53:42.600 --> 01:53:47.239 I know, he and his wife. We're doing just fine, 2173 01:53:47.279 --> 01:53:47.520 but the. 2174 01:53:47.560 --> 01:53:52.479 Business itself probably wasn't. So if I can go after 2175 01:53:52.560 --> 01:53:56.279 the personal estate and recoup it, that would. 2176 01:53:56.079 --> 01:54:01.479 Be great, all right, three zero three seven one three 2177 01:54:01.680 --> 01:54:04.840 talk seven one three eight two five five, Thank you 2178 01:54:05.000 --> 01:54:08.319 very much, CMG Financial. If you need the all in 2179 01:54:08.439 --> 01:54:10.319 one loan, I call it the liquid loan. That's what 2180 01:54:10.399 --> 01:54:13.319 they're doing, a thirty year line of credit. That means 2181 01:54:13.399 --> 01:54:15.960 you can borrow it up pay it down for thirty years. 2182 01:54:16.640 --> 01:54:19.880 It's really a great instrument. Every penny in the bank 2183 01:54:20.000 --> 01:54:23.520 counts against your average jelly balance. Talk to our friend 2184 01:54:23.640 --> 01:54:27.560 John clase over at CMG Financial three oh three eight 2185 01:54:27.720 --> 01:54:32.359 A two six' six seventy nine partner in lending dot. 2186 01:54:32.479 --> 01:54:42.720 Com go with a sure Thing denver's best Roofer excel 2187 01:54:42.840 --> 01:54:45.439 roofing dot. Com you don't pay a cent until you're. 2188 01:54:45.520 --> 01:54:51.840 Content time for an insurance check up, free no. Obligation in, 2189 01:54:51.880 --> 01:54:55.760 comparison call compass insurance paying too much your coverage at 2190 01:54:55.800 --> 01:54:58.520 dozens of insurance. Companies find out now three oh three 2191 01:54:58.680 --> 01:55:01.239 seven seven to. One. Help you'll think you're his only 2192 01:55:01.359 --> 01:55:03.800 customer when you Choose frank durand the real estate man 2193 01:55:03.880 --> 01:55:07.279 dot com to list your home With Remax alliance three 2194 01:55:07.359 --> 01:55:14.239 oh three nine two zero sixteen twenty. Two, Okay I'm. 2195 01:55:14.239 --> 01:55:17.199 Tom, martino your trouble. 2196 01:55:17.399 --> 01:55:24.439 Shooter welcome to the. Show so we have some interesting 2197 01:55:25.079 --> 01:55:26.760 things in the NEWS i wanted to talk. About but 2198 01:55:26.840 --> 01:55:29.640 get your calls. In i'll take your. Calls The Treasury 2199 01:55:29.760 --> 01:55:35.560 department suspended that ridiculous AFTER i spent time doing all 2200 01:55:35.640 --> 01:55:41.399 of our little businesses THE boi Beneficial, wait, wait that's 2201 01:55:41.479 --> 01:55:47.000 good for beneficial ownership. Interest, yeah you don't have to 2202 01:55:47.479 --> 01:55:50.840 you don't have to fill that out. Anymore oh Was 2203 01:55:50.960 --> 01:55:55.640 biden thinking that we're trying to get to. Everyone he 2204 01:55:55.840 --> 01:55:58.840 had to have something for those new twenty million irs 2205 01:55:58.920 --> 01:55:59.439 agents to. 2206 01:55:59.600 --> 01:56:05.800 Dot moron Using biden and thinking in the same, sentence is. 2207 01:56:08.119 --> 01:56:12.840 Was his administration the absolute worst For god's sakes in my. 2208 01:56:13.000 --> 01:56:19.039 Lifetime although people would Argue biden created, this it Said 2209 01:56:19.119 --> 01:56:22.960 biden created it to target mainly small to medium sized 2210 01:56:23.000 --> 01:56:28.840 businesses and mainly because most of those were skewed. Conservative 2211 01:56:29.680 --> 01:56:32.159 do you really believe he'd be that small? Minded. 2212 01:56:32.439 --> 01:56:35.079 ABSOLUTELY i, mean if you look at the, exemptions it's 2213 01:56:35.600 --> 01:56:38.479 something like over twenty twenty employees or. 2214 01:56:38.520 --> 01:56:44.039 Exempt there is no need FOR. Boi it was created 2215 01:56:44.119 --> 01:56:48.239 to help stop. Crime under The biden, administration they were 2216 01:56:48.359 --> 01:56:52.279 also doing audits this stop. Too remember they were going 2217 01:56:52.359 --> 01:56:55.520 to start requiring you to send in information on any 2218 01:56:55.680 --> 01:56:59.359 expenditure over six hundred dollars on any. Account, Ever, YEAH 2219 01:56:59.520 --> 01:57:00.960 i think that preceded The biden. 2220 01:57:01.000 --> 01:57:04.600 Administration that WAS i believe that was supposed to start 2221 01:57:04.680 --> 01:57:08.000 during The obama administration and then they reversed it at 2222 01:57:08.039 --> 01:57:08.399 the last. 2223 01:57:08.520 --> 01:57:11.720 Minute and now they reversed it. Again but they're not 2224 01:57:11.880 --> 01:57:14.119 going to be able to do. This but can you 2225 01:57:14.279 --> 01:57:18.199 imagine submitting and this is not just for, business this 2226 01:57:18.439 --> 01:57:21.359 is everyone in The United states with a bank, account 2227 01:57:22.319 --> 01:57:24.000 not just a bank. Account that was for all. 2228 01:57:24.159 --> 01:57:27.399 Everybody you paid as a business more than six h 2229 01:57:27.640 --> 01:57:29.760 six hundred, bucks that's a typical ten ninety nine. 2230 01:57:29.840 --> 01:57:33.359 Requirement, yeah but they wanted a special. Report you had 2231 01:57:33.399 --> 01:57:37.039 to show the transaction in your bank. Account. Yeah, Man 2232 01:57:37.199 --> 01:57:43.760 Basically biden was saying everyone, sucks everyone's crooked and we're 2233 01:57:43.800 --> 01:57:45.760 going to go out and get them. All, yeah and 2234 01:57:45.800 --> 01:57:49.119 look who's talking The biden crime. Family and do you 2235 01:57:49.359 --> 01:57:53.720 know that they were literally looking at The Catholic church 2236 01:57:54.560 --> 01:58:01.000 as a domestic terrorist. Organization that that's coming out now 2237 01:58:01.720 --> 01:58:06.119 that we have THE fbi being taken over by saying 2238 01:58:06.239 --> 01:58:11.720 people so and also domestic terrorists were people against abortion? 2239 01:58:11.920 --> 01:58:16.560 Rights were those who spoke out at school board meetings 2240 01:58:16.880 --> 01:58:17.920 against school board? 2241 01:58:18.000 --> 01:58:21.920 Policies oh, oh parent teacher organ all kinds of parent. 2242 01:58:22.039 --> 01:58:25.760 Organization mothers got thrown in jail for. Opposing but they 2243 01:58:25.800 --> 01:58:31.720 were being. Investigated they were being. Investigated that's what's scary about. 2244 01:58:31.760 --> 01:58:35.600 It so you don't have to worry about that trap. Anymore, 2245 01:58:37.279 --> 01:58:43.000 really to be, curious how youse tariffs go? Tomorrow how the? 2246 01:58:43.119 --> 01:58:44.680 Oh now tell me what's going on? 2247 01:58:44.800 --> 01:58:49.800 There, well Tomorrow's mexico And, CANADA i think on. Everything, 2248 01:58:50.000 --> 01:58:53.720 oh that's, Right, well that's, right because what was he 2249 01:58:54.159 --> 01:58:56.880 what was he asking them to do to avoid that 2250 01:58:57.000 --> 01:59:02.560 they refused to do coming into the country killing our. 2251 01:59:02.640 --> 01:59:07.880 People WHAT i don't understand is how do you just 2252 01:59:08.399 --> 01:59:11.880 how do you basically come on man In, mexico you 2253 01:59:12.000 --> 01:59:13.640 hit the cartels that are bringing it. 2254 01:59:13.760 --> 01:59:16.439 In but because the cartels are in bed with the 2255 01:59:16.560 --> 01:59:19.560 president and the entire. Government that's pretty hard to. Do, 2256 01:59:22.720 --> 01:59:27.159 NOW i want to tell you about some popularity issues 2257 01:59:27.199 --> 01:59:32.600 THAT i find. Amazing so somebody did a poll and 2258 01:59:32.760 --> 01:59:33.399 actually this is. 2259 01:59:33.520 --> 01:59:38.119 iHeart. iHeart though didn't do the, poll but they they 2260 01:59:38.279 --> 01:59:45.319 summon the poll for the approval of issues covered by 2261 01:59:45.399 --> 01:59:51.319 The trump. Administration how what percentage of this country do 2262 01:59:51.520 --> 01:59:59.359 you think supports deporting criminal illegal? Immigrants, well anybody that WATCHES, 2263 01:59:59.439 --> 02:00:04.159 tv no say it's eighty. Percent, okay, yeah you're. Right 2264 02:00:05.079 --> 02:00:08.319 and so did you see this entire? POLL i see 2265 02:00:08.359 --> 02:00:09.159 those polls every. 2266 02:00:09.199 --> 02:00:12.640 Day they change, constantly BUT i mean typically that particular 2267 02:00:12.840 --> 02:00:17.039 question hangs right about eighty Percent democrats of courting on 2268 02:00:17.199 --> 02:00:21.840 the Lower republicans, hire but across both it's eighty percent. 2269 02:00:23.239 --> 02:00:26.479 Who believes indge in what they're. 2270 02:00:26.520 --> 02:00:27.279 Doing sixty. 2271 02:00:27.319 --> 02:00:27.840 Percent what? 2272 02:00:28.000 --> 02:00:35.720 Percentage seventy six, percent, wow seventy six. Percent, now who 2273 02:00:35.840 --> 02:00:41.079 wants to actually close the border or put in additional 2274 02:00:41.640 --> 02:00:48.319 strict security and? Policies what? Percentage sixty three, percent seventy six, 2275 02:00:48.439 --> 02:00:53.720 percent seventy six. Percent what about this? One, oh this, 2276 02:00:53.880 --> 02:00:58.760 one keeping biological men who are born men out of 2277 02:00:58.840 --> 02:01:06.199 women's sports sixty nine percent according to the Latest, oh 2278 02:01:06.279 --> 02:01:10.199 that's actually. Shocking i'd like to hear from one of the. 2279 02:01:10.279 --> 02:01:12.760 Reports what's shocking about? It you thought it would be? Higher, 2280 02:01:13.239 --> 02:01:17.039 oah by. FAR i can't imagine anybody, that, LIKE i 2281 02:01:17.119 --> 02:01:20.199 think it was a javelin. Thrower, no it was a pole. 2282 02:01:20.279 --> 02:01:21.760 Vaulter pole Vault what is? 2283 02:01:21.840 --> 02:01:22.279 That pole? 2284 02:01:22.359 --> 02:01:24.239 Vaulting pole? VAULTER a. 2285 02:01:24.359 --> 02:01:29.560 Vaulter vaulter was in povolts mediocre at best on the men's, 2286 02:01:29.600 --> 02:01:32.720 team so he switched over to the girls team and 2287 02:01:32.880 --> 02:01:33.720 of course won the. 2288 02:01:33.760 --> 02:01:36.119 Gold it's. Crazy you know what else is? Crazy? More 2289 02:01:36.199 --> 02:01:40.920 what about the percentage of people that believed the government 2290 02:01:41.560 --> 02:01:45.840 in their applications and otherwise should declare only two. 2291 02:01:46.000 --> 02:01:51.520 GENDERS i, mean who wouldn't it's sixty eight. 2292 02:01:51.600 --> 02:01:58.800 Percent, god it's so. Crazy what percent wants to end 2293 02:01:59.720 --> 02:02:06.319 race based hiring seventy? Five sixty five? 2294 02:02:06.399 --> 02:02:10.079 Percent, well there are a lot of dumb people out. 2295 02:02:10.119 --> 02:02:15.479 There well what? Percent, NOW i don't even know what 2296 02:02:15.600 --> 02:02:17.760 that means race based hiring BECAUSE i didn't see the 2297 02:02:17.840 --> 02:02:19.880 question that means was? It it's pretty. 2298 02:02:19.920 --> 02:02:24.600 Simple they hire people based upon the color of their 2299 02:02:24.640 --> 02:02:27.960 skin instead of hiring them on you, know what they. 2300 02:02:28.079 --> 02:02:31.359 Know it's pretty simple and well and Like mark or 2301 02:02:31.479 --> 02:02:33.079 does it mean go? 2302 02:02:33.199 --> 02:02:34.720 Ahead i'll, say if you look at What. 2303 02:02:34.800 --> 02:02:39.600 Mark said about The Academy, awards the ridiculous criteria that 2304 02:02:39.800 --> 02:02:43.520 they use for allowing an, entry it defeats the whole 2305 02:02:43.600 --> 02:02:48.359 purpose of The Academy, awards which was to reward autistic 2306 02:02:48.439 --> 02:02:52.479 achievement rather than reward inclusion. 2307 02:02:52.600 --> 02:02:58.840 Policies what percent, NOW i told, you like seventy six 2308 02:02:58.960 --> 02:03:03.119 percent or more is in favor OF. Doge but what 2309 02:03:03.359 --> 02:03:09.239 percent believes we should freeze everything going to the foreign 2310 02:03:09.319 --> 02:03:12.359 country through usaid and evaluate each one. 2311 02:03:12.520 --> 02:03:16.319 Independently fifty one sixty three? 2312 02:03:16.439 --> 02:03:23.239 Percent it's more THAN i. Thought what percentage supports tariffs. 2313 02:03:24.479 --> 02:03:24.720 As a? 2314 02:03:24.800 --> 02:03:27.039 Weapon it doesn't say as a weapon of sixty five 2315 02:03:28.359 --> 02:03:36.159 sixty one? Percent what percentage wants to continue negotiations to 2316 02:03:36.439 --> 02:03:43.119 End ukraine war With russia Or russia's war with a sixty? 2317 02:03:43.199 --> 02:03:47.319 Percent but what are the other forty? ONE i don't. 2318 02:03:47.319 --> 02:03:51.439 Know if it was a mead, grinder fifty percent support 2319 02:03:51.640 --> 02:03:57.439 direct negotiations by THE us With russia And. Ukraine what 2320 02:03:57.720 --> 02:04:04.000 percent support cutting government and spending spending already approved By? Congress, 2321 02:04:04.239 --> 02:04:06.079 NOW i don't know what that means because they talk about, 2322 02:04:06.159 --> 02:04:08.840 doze then they talked ABOUT us, eight AND us eight 2323 02:04:08.960 --> 02:04:12.439 is technically already, approved but yet. 2324 02:04:12.520 --> 02:04:16.560 A lot of that mean If congress already allocated money to, 2325 02:04:16.720 --> 02:04:18.640 something pulling it, back. 2326 02:04:19.720 --> 02:04:22.319 Sixty percent think you should be able to cut it 2327 02:04:22.800 --> 02:04:26.600 even if the government approved. IT i can't wait till 2328 02:04:26.640 --> 02:04:29.199 they get rid of The department Of. Education by the, 2329 02:04:29.239 --> 02:04:35.079 way did that lady? REPORTS i don't, Know ACTUALLY i don't. 2330 02:04:35.119 --> 02:04:41.479 Know i'll check what percentage of people's support ending the 2331 02:04:41.720 --> 02:04:50.560 ban on offshore? Drilling eighty fifty seven. Percent, yeah that's. Shocking, 2332 02:04:53.239 --> 02:04:58.319 well you, know the country is kind of you, know 2333 02:04:58.520 --> 02:05:02.079 it's it's it's it's right WHERE i think it's mostly 2334 02:05:02.159 --> 02:05:07.680 down party, lines except there's a big percentage of liberals 2335 02:05:07.760 --> 02:05:11.680 that come. Over because you the country is pretty much 2336 02:05:11.760 --> 02:05:18.680 fifty to fifty liberal, conservative not according you've said so. Far, well, no, no, 2337 02:05:19.119 --> 02:05:22.079 no you're right according to these polls on the, issues 2338 02:05:22.600 --> 02:05:27.319 excus more. Conservative but the, country as registered voters, go 2339 02:05:28.159 --> 02:05:31.399 aren't they more fifty to fifty or? NO i thought, They, well. 2340 02:05:31.239 --> 02:05:34.479 Look at the vote on the last presidential. ELECTION i 2341 02:05:34.560 --> 02:05:36.119 mean it was like fifty one forty. 2342 02:05:36.239 --> 02:05:39.800 Nine, Right, Well i'm not talking about who voted for. 2343 02:05:39.960 --> 02:05:42.159 People, No, No i'm talking ABOUT. 2344 02:05:43.399 --> 02:05:47.399 I was supporting your theory that it's about fifty to Fifty, tom. 2345 02:05:47.640 --> 02:05:50.880 Even the general election people it was it wasn't that 2346 02:05:51.079 --> 02:05:52.039 far from. 2347 02:05:51.960 --> 02:05:52.720 A fifty to fifty. 2348 02:05:52.800 --> 02:05:57.359 Split it was when you looked at the. Counties, well, 2349 02:05:57.399 --> 02:05:57.880 No i'm. 2350 02:05:57.720 --> 02:05:58.720 Talking about the popular. 2351 02:05:58.840 --> 02:06:05.920 Vote oh but when it comes to, liberals there are 2352 02:06:06.039 --> 02:06:12.560 more liberals per capita In colorado than In. California we 2353 02:06:12.640 --> 02:06:16.159 always talk about how Liberal california. Is colorado's more. Liberal 2354 02:06:16.239 --> 02:06:20.600 it's because they all moved here From. California, yeah can 2355 02:06:20.680 --> 02:06:22.840 you believe? This and now they roached out our. 2356 02:06:22.960 --> 02:06:25.800 State, anyway we have more coming. Up I'm Tom. 2357 02:06:25.840 --> 02:06:28.840 Martino three oh three seven one three talk seven one 2358 02:06:28.920 --> 02:06:36.119 THREE a two five. Five you are listening to The Troubleshooter. 2359 02:06:36.239 --> 02:06:45.680 Show go with a Sure Thing Denver's best Roofer Excel 2360 02:06:45.800 --> 02:06:48.399 roofing dot. Com you don't pay a cent until you're. 2361 02:06:48.479 --> 02:06:54.800 Content time for an insurance check up, free no. Obligation in, 2362 02:06:54.840 --> 02:06:58.720 comparison Call Compass insurance paying too much your coverage at 2363 02:06:58.760 --> 02:07:01.479 dozens of insurance companies find out now three oh three 2364 02:07:01.640 --> 02:07:04.199 seven seven to one Help you'll think you're his only 2365 02:07:04.319 --> 02:07:06.760 customer when you Choose frank durand the real estate man 2366 02:07:06.840 --> 02:07:10.239 Dot com to list your home With Remax alliance three 2367 02:07:10.319 --> 02:07:16.880 oh three nine two zero sixteen twenty. Two, Hey I'm 2368 02:07:17.000 --> 02:07:22.239 tom three oh three seven one three talk three o 2369 02:07:22.359 --> 02:07:25.439 three seven one three eight two five. Five you, know 2370 02:07:26.239 --> 02:07:31.439 we were talking a bit about The, oscars OR i, 2371 02:07:31.680 --> 02:07:34.840 was AND i really believe WHEN i said this that 2372 02:07:35.399 --> 02:07:37.760 The oscars last NIGHT i think was one of the 2373 02:07:37.840 --> 02:07:40.960 Best oscar Shows i've. Seen AND i don't, LOOK i 2374 02:07:41.000 --> 02:07:43.239 don't look to see, them But stephanie likes. It So 2375 02:07:43.319 --> 02:07:46.479 i'm there And i'm doing it. Right so What i'd 2376 02:07:46.600 --> 02:07:51.239 like to know is MOVIES i don't, Like AND i, guess, 2377 02:07:51.760 --> 02:07:53.479 WELL i don't know IF i should SAY i don't. 2378 02:07:53.560 --> 02:07:55.079 Like have you noticed? 2379 02:07:55.119 --> 02:07:55.800 Though and and. 2380 02:07:57.479 --> 02:08:01.359 When movies have an? Agenda And i'm not talking about 2381 02:08:01.399 --> 02:08:04.680 independent films like that do it on purpose documentaries and. 2382 02:08:04.720 --> 02:08:07.960 Stuff you, know there's a lot of good social commentary 2383 02:08:08.119 --> 02:08:11.279 done with. Movies But i'm talking about like regular, movies, 2384 02:08:11.840 --> 02:08:15.119 dramas live, action where they have an agenda or they 2385 02:08:15.199 --> 02:08:19.119 sneak in an. Agenda you mean his Name, Moore Roger, 2386 02:08:19.279 --> 02:08:22.600 moore that fat slab. Guy, well, no he. Does now 2387 02:08:22.680 --> 02:08:25.159 that's what all he. DOES i mean, that thank. You 2388 02:08:25.479 --> 02:08:28.079 those are his. Documentaries But i'm talking about a regular 2389 02:08:28.199 --> 02:08:32.920 movie that is literally pushing an. Agenda a movie like you, 2390 02:08:33.000 --> 02:08:35.399 know just you watch it and you, say, oh, MAN 2391 02:08:35.479 --> 02:08:37.600 i feel LIKE i got to take a. Shower they're 2392 02:08:37.680 --> 02:08:41.640 pushing an agenda of some, kind either a woke agenda 2393 02:08:41.840 --> 02:08:45.640 or a conservative agenda or. Whatever they're not just doing a. 2394 02:08:45.800 --> 02:08:48.359 Movie they're not just trying to entertain. You they're trying 2395 02:08:48.399 --> 02:08:54.319 to get a message. Across how about, It Tom, WELL i, 2396 02:08:54.359 --> 02:08:56.359 mean a good message is all in the eye of the. 2397 02:08:56.479 --> 02:08:58.239 BEHOLDER i don't even know what that. 2398 02:08:58.359 --> 02:09:01.640 MEANS i was Telling walkinsuzannah about a great movie CALLED 2399 02:09:01.680 --> 02:09:04.920 a Six Triple eight about a bunch of black women 2400 02:09:04.960 --> 02:09:06.880 who were in The Women's army corn In World War. 2401 02:09:06.960 --> 02:09:09.079 TWO i love, IT i loved. 2402 02:09:09.079 --> 02:09:10.119 It wasn't that a great? 2403 02:09:10.199 --> 02:09:13.479 Movie is that With Kerrie? Washington? 2404 02:09:13.800 --> 02:09:15.359 Yeah where they did the postal. 2405 02:09:15.439 --> 02:09:18.159 Stuff Tyler perry made that. 2406 02:09:18.319 --> 02:09:22.359 Movie, Anyway the point is they assigned these women to 2407 02:09:22.680 --> 02:09:26.479 straighten out the mail going to and from the servicemen 2408 02:09:26.560 --> 02:09:29.920 In World war, two and they did an incredible. 2409 02:09:29.399 --> 02:09:30.760 True, story right. 2410 02:09:31.000 --> 02:09:34.800 True that's present an agenda that black women are as 2411 02:09:34.920 --> 02:09:38.520 tulable as anybody, else which is a good, message but 2412 02:09:38.680 --> 02:09:39.199 it's still a. 2413 02:09:39.319 --> 02:09:42.920 Message, yeah, YEAH i did, not you know, WHAT i 2414 02:09:43.760 --> 02:09:46.720 can't deny, that, Doc BUT i didn't get the impression 2415 02:09:46.760 --> 02:09:47.600 WHEN i was watching the. 2416 02:09:47.680 --> 02:09:49.960 Movie, well oh, no, no of COURSE i. 2417 02:09:50.039 --> 02:09:53.560 Did you're, right they were discounting them because when black 2418 02:09:53.640 --> 02:09:56.680 women joined the. Military you, know when black men joined the, 2419 02:09:56.720 --> 02:09:59.520 military they went to. Fight, okay they had they had 2420 02:09:59.600 --> 02:10:02.279 black they had black, cores but they went and they. 2421 02:10:02.359 --> 02:10:05.720 Fought when and when white women, joined they did air 2422 02:10:05.800 --> 02:10:10.399 transport and they did a lot of important. Jobs and 2423 02:10:10.880 --> 02:10:16.239 but when when black women, joined they were given cleaning 2424 02:10:16.359 --> 02:10:20.880 duties and latrine and, really really, true they were given really, 2425 02:10:21.119 --> 02:10:25.159 menial disgusting. Tasks so what this was about was that 2426 02:10:25.319 --> 02:10:28.600 black women can do. Something but what that wasn't the whole. 2427 02:10:28.680 --> 02:10:32.000 Idea so when they discovered they had a major problem 2428 02:10:32.159 --> 02:10:35.800 with morale because these troops were not getting their mail 2429 02:10:36.239 --> 02:10:39.159 and the male was being all kind of fed up 2430 02:10:39.279 --> 02:10:41.760 all over the. Place the mail was not getting where 2431 02:10:41.760 --> 02:10:45.800 it's supposed. To sometimes letters were not delivered for six 2432 02:10:45.920 --> 02:10:49.079 to eight months after somebody had been, dead and and 2433 02:10:49.439 --> 02:10:52.960 it was it was. Atrocious but what happened was a 2434 02:10:53.039 --> 02:10:56.640 couple of these generals when they saw this was so screwed, 2435 02:10:56.720 --> 02:11:00.840 up they, said let's give it to you know, Who 2436 02:11:01.600 --> 02:11:04.800 and it was the black. Women and the reason wasn't 2437 02:11:04.880 --> 02:11:08.680 to see not because they thought they were. Capable they 2438 02:11:08.840 --> 02:11:12.439 did it knowing that no one could. Succeed so if 2439 02:11:12.479 --> 02:11:17.000 you're going to have someone exactly, so if you're gonna 2440 02:11:17.039 --> 02:11:20.840 have somebody, fail let it be black, women because we 2441 02:11:20.960 --> 02:11:25.159 know they're all. Losers, anyway that was their whole, intent 2442 02:11:25.479 --> 02:11:30.279 was to reinforce the stereotype and to show that you, 2443 02:11:30.359 --> 02:11:33.319 know they'll never get this job done and we won't be. Blamed, 2444 02:11:33.560 --> 02:11:37.760 hey we gave it the. Effort what they really were 2445 02:11:37.840 --> 02:11:41.039 not bargaining for is that when these black women were 2446 02:11:41.119 --> 02:11:44.119 put on assignment for this and sent to this one 2447 02:11:44.640 --> 02:11:48.479 central country where they had this old, headquarters they cleaned 2448 02:11:48.560 --> 02:11:51.840 up and made, beautiful and then they started they started 2449 02:11:51.880 --> 02:11:57.079 coming up with systems in order to organize and mail 2450 02:11:57.199 --> 02:12:01.119 started getting. Delivered they actually, said oh my, god they actually. 2451 02:12:01.319 --> 02:12:05.000 Work and it not only, worked it revolutionized the way 2452 02:12:05.079 --> 02:12:08.239 mail was sent in the armed, forces and then later on. 2453 02:12:08.359 --> 02:12:10.800 THE Us Postal service adopted some of those. 2454 02:12:10.880 --> 02:12:15.960 Practices it was, aspiring wonderful. Movie but when when you 2455 02:12:16.279 --> 02:12:19.560 talk about a movie like, that that wasn't an agenda 2456 02:12:19.720 --> 02:12:23.600 saying everyone is evil and only black women are capable 2457 02:12:23.880 --> 02:12:25.800 and they've been put down on the farm too. Long 2458 02:12:26.159 --> 02:12:29.920 it was it was more. Positive Tyler perry is more positive. 2459 02:12:29.479 --> 02:12:34.119 That you can have an. Agenda that's. Good that's, Right 2460 02:12:34.279 --> 02:12:34.720 that's What i'm. 2461 02:12:34.720 --> 02:12:35.239 Saying that's. 2462 02:12:35.319 --> 02:12:39.880 Right just because they're portraying a message doesn't mean it's 2463 02:12:39.880 --> 02:12:40.960 a bad movie or a bad. 2464 02:12:41.039 --> 02:12:44.760 Message this is a great sturge to send and done 2465 02:12:44.840 --> 02:12:47.439 in an incredible way with a movie that was. 2466 02:12:47.479 --> 02:12:53.039 Spellbinding now one of the agenda movies THAT i absolutely. 2467 02:12:53.159 --> 02:12:56.000 Hated and of COURSE i, think did he win An Academy? 2468 02:12:56.039 --> 02:12:57.359 Award one of the guys that used to be a 2469 02:12:57.439 --> 02:13:01.239 talk show host here on kh you actually did he 2470 02:13:01.359 --> 02:13:03.840 win The Academy? Award or did? 2471 02:13:03.920 --> 02:13:06.279 He was he nominated for the? 2472 02:13:06.359 --> 02:13:08.399 Screenwriter look it? 2473 02:13:08.520 --> 02:13:12.000 Up don't look? Up did anyone see the? 2474 02:13:12.079 --> 02:13:14.279 Movie don't look? Up so? Stupid? 2475 02:13:16.000 --> 02:13:16.880 Now what it was? 2476 02:13:16.960 --> 02:13:20.279 About and it was all the woke actors and everything 2477 02:13:20.640 --> 02:13:24.720 was what it was. About it was about a comet 2478 02:13:24.800 --> 02:13:27.199 speeding Toward earth that was going to destroy the, earth 2479 02:13:28.359 --> 02:13:35.479 and they it was so catastrophic that there was no real. Solution, 2480 02:13:35.680 --> 02:13:38.319 well there could have been some if they started planning. 2481 02:13:38.479 --> 02:13:45.640 Soon So Leonardo DiCaprio's character goes To washington and the catchphrase, 2482 02:13:45.840 --> 02:13:48.239 was well then just don't look up if you're you, 2483 02:13:48.319 --> 02:13:51.319 know and and it was a direct. Correlation do you 2484 02:13:51.399 --> 02:13:53.720 know what it was, about, mark a direct correlation to 2485 02:13:53.800 --> 02:13:59.960 climate satire to climate. Change exactly what it was saying 2486 02:14:00.279 --> 02:14:03.359 is that if you just ignore climate, change it won't. 2487 02:14:03.399 --> 02:14:06.560 Happen and that's what they were saying about this. Comet 2488 02:14:07.000 --> 02:14:07.520 don't look. 2489 02:14:07.640 --> 02:14:09.439 Up, NOW i will say it was a. 2490 02:14:09.600 --> 02:14:14.319 Clever everybody believes the climate. Changes everybody believes, that but 2491 02:14:14.439 --> 02:14:16.920 it's whether or not it's, natural or whether or not 2492 02:14:17.239 --> 02:14:20.600 one country can do anything about it when the rest 2493 02:14:20.680 --> 02:14:21.960 of the countries, don't. 2494 02:14:23.439 --> 02:14:27.159 Or even if all countries got. Together one, volcano one 2495 02:14:27.279 --> 02:14:32.319 volcanos like what every country with the worst cars ever 2496 02:14:32.720 --> 02:14:36.840 at any time in history for ten years or twenty 2497 02:14:36.920 --> 02:14:40.560 years or. Something so here's the. Deal the deal is 2498 02:14:41.239 --> 02:14:45.000 he it Was, sharota, right what's his? Name what's his? 2499 02:14:45.159 --> 02:14:45.319 Name? 2500 02:14:45.800 --> 02:14:46.079 David? 2501 02:14:46.960 --> 02:14:47.560 David did he? 2502 02:14:47.640 --> 02:14:47.800 Win? 2503 02:14:48.560 --> 02:14:52.119 Well he was he was With, brown didn't they? Put 2504 02:14:52.640 --> 02:14:55.359 wasn't he paired With brown as a talk show host 2505 02:14:55.439 --> 02:14:58.560 or not or was no? Idea, yeah he was on 2506 02:14:58.760 --> 02:15:01.760 the afternoons with someone here ON K. HOW i forget 2507 02:15:01.800 --> 02:15:04.199 who he was, With David, sarota and it could have 2508 02:15:04.239 --> 02:15:06.600 Been Ross, KOMINSKY i don't, know but they were on 2509 02:15:06.840 --> 02:15:09.880 together and one was a. Conservative no, no then they 2510 02:15:09.920 --> 02:15:12.880 would have both been because they're never, Mind, Yeah saroda's. 2511 02:15:12.920 --> 02:15:17.439 Liberal Think, toto, no, no, LISTEN i know damn well 2512 02:15:17.520 --> 02:15:20.920 That saroda was ON. Khw you, do, OKAY i absolutely 2513 02:15:21.039 --> 02:15:21.319 know WHAT i. 2514 02:15:21.359 --> 02:15:22.119 Mean it's not Like i'm. 2515 02:15:22.159 --> 02:15:25.680 HALLUCINATING i worked AT koa FOR K how AND koa 2516 02:15:25.800 --> 02:15:28.439 for nearly fifty, years AND i know every talk show 2517 02:15:28.479 --> 02:15:30.680 host that was ever. There and he was a talk 2518 02:15:30.760 --> 02:15:34.680 show host in the afternoon ON, khow and then he 2519 02:15:34.880 --> 02:15:38.560 left and But sarota was paired with SOMEBODY i think 2520 02:15:38.600 --> 02:15:41.960 it Was. Kamensky Maybe ross would, know but they had 2521 02:15:42.000 --> 02:15:45.239 a talk show and then he. Left but he wrote, 2522 02:15:45.279 --> 02:15:46.439 this did he win the award or? 2523 02:15:46.520 --> 02:15:47.039 Not did it? 2524 02:15:47.119 --> 02:15:49.600 SAY i have no? Idea i'm still looking AT i, 2525 02:15:49.680 --> 02:15:52.039 MEAN i think that's pretty damn. Impressive by the, way 2526 02:15:52.119 --> 02:15:54.640 it was a clever use of satire the way he did. 2527 02:15:54.720 --> 02:15:58.079 It don't look, up but it was such a terrible. Movie, 2528 02:15:58.720 --> 02:16:02.399 anyway does anyone remember, where uh Where serota was on 2529 02:16:02.520 --> 02:16:06.199 this on this? Station let me. Know three oh three 2530 02:16:06.319 --> 02:16:09.319 seven one three eight two five Five go with a 2531 02:16:09.439 --> 02:16:12.960 sure Thing denver's best Roofer Excel roofing dot. Com you 2532 02:16:13.000 --> 02:16:18.760 don't pay a cent until you're. Content time for an 2533 02:16:18.800 --> 02:16:23.000 insurance check, up, free no obligation comparison Call Compass Insurance 2534 02:16:23.199 --> 02:16:26.159 paying too much your coverage at dozens of insurance companies 2535 02:16:26.279 --> 02:16:28.840 find out now three oh three seven seven one. 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