WEBVTT 1 00:00:05.400 --> 00:00:13.720 Ripped up news, so you don't have come run in 2 00:00:13.919 --> 00:00:14.800 just as fast. 3 00:00:14.640 --> 00:00:15.320 As we can. 4 00:00:16.640 --> 00:00:18.760 Shooter's gonna help coming. 5 00:00:19.160 --> 00:00:26.079 Man Dix is the Troubleshooter Show. No Tom Martino, Hey, hey, hey. 6 00:00:26.039 --> 00:00:29.199 Tom Martino here, welcome to the show. Three oh three 7 00:00:29.440 --> 00:00:32.439 seven one three talk seven one three eight two five five. 8 00:00:33.079 --> 00:00:36.960 I think's brother brother Mark and sister sus are tied 9 00:00:37.079 --> 00:00:40.880 up with insurance issue. Nope, nope, Oh here for forty 10 00:00:40.920 --> 00:00:44.520 five minutes in the insurance company shows and you're gonna 11 00:00:44.560 --> 00:00:46.280 do you think you'll have a battle? What is it about? 12 00:00:46.439 --> 00:00:50.640 Let's let's it's interesting. So we had an issue. I 13 00:00:50.759 --> 00:00:54.159 hired Matt our public adjuster. He got it covered. But 14 00:00:54.320 --> 00:00:57.600 now they're arguing over how much they want to give 15 00:00:57.640 --> 00:01:01.479 me for the covered problem. So what happened is Matt 16 00:01:01.560 --> 00:01:04.799 hired someone on my behalf that comes out the insurance 17 00:01:04.840 --> 00:01:08.239 company hired someone on their behalf that's coming out to 18 00:01:08.319 --> 00:01:10.640 the house, and all of us are going to get 19 00:01:10.640 --> 00:01:14.640 together and figure it out today how much money I'm getting. 20 00:01:14.680 --> 00:01:18.840 It's kind of cool, okay. So that's the appraisal process. 21 00:01:19.040 --> 00:01:23.200 It's the appraisal process. You nailed it, okay. Now, usually 22 00:01:23.239 --> 00:01:26.719 the appraisal process is invoked when you anticipate a problem, 23 00:01:26.799 --> 00:01:30.040 or had a problem, or did not like their offer. Yeah, 24 00:01:30.079 --> 00:01:31.599 well that's exactly what happened. 25 00:01:31.640 --> 00:01:36.120 I claim fifty sixty thousand in damage and they're saying 26 00:01:36.159 --> 00:01:37.239 it's around thirty. 27 00:01:37.319 --> 00:01:41.719 So I mean that's a big difference. Okay, three oh 28 00:01:41.760 --> 00:01:44.560 three seven one three talks seven one three eight two 29 00:01:44.599 --> 00:01:47.879 five five This outbrouch by water pros. Man. I'm telling 30 00:01:47.920 --> 00:01:50.359 you it's it's a year end deal. Please. Now, I'm 31 00:01:50.359 --> 00:01:52.040 not sure if it's going after the first I don't 32 00:01:52.040 --> 00:01:55.879 think so, but you know, I hope it does softening 33 00:01:56.000 --> 00:01:59.400 and drinking water so reverse osmosis, drinking water at the 34 00:01:59.480 --> 00:02:04.640 kitchen and a whole house softening for pipes, laundry, skin showers. 35 00:02:04.680 --> 00:02:07.680 It's wonderful water pros and they're both combined at thirty 36 00:02:07.719 --> 00:02:11.479 one ninety five. If anyone's ever shot for water stuff, 37 00:02:12.120 --> 00:02:14.879 plumbers would charge twelve to fifteen grand for stuff like this. 38 00:02:15.240 --> 00:02:17.639 Waterpos dot net three three eight six two five five 39 00:02:17.680 --> 00:02:20.960 five four Mark Do you notice the soft water? 40 00:02:22.400 --> 00:02:24.919 Oh, it's it's night and day. Suzanne is the one 41 00:02:24.960 --> 00:02:27.319 that really loves it. I mean this sounds a little 42 00:02:27.319 --> 00:02:30.439 silly for your skin, yep to the guys listening, but 43 00:02:30.560 --> 00:02:33.240 she says it's the best her hair has ever been. 44 00:02:33.400 --> 00:02:34.520 She loves it on the skin. 45 00:02:34.759 --> 00:02:37.120 I always thought I would taste a difference, like it 46 00:02:37.159 --> 00:02:40.319 would be salty, and of course it's not whatsoever. 47 00:02:40.400 --> 00:02:43.000 But yeah, it's it's a big difference. 48 00:02:43.039 --> 00:02:43.199 Man. 49 00:02:43.240 --> 00:02:45.960 And Paul did a really bang up job. And the 50 00:02:46.000 --> 00:02:48.319 pricing was great. You know, I checked two or three 51 00:02:48.319 --> 00:02:50.400 other companies. He was half the price. 52 00:02:52.199 --> 00:02:57.280 Okay, okay. There's a physician, a doctor who texted tell 53 00:02:57.400 --> 00:03:00.759 Mark I love listening to him cry about Biden being 54 00:03:00.800 --> 00:03:05.759 pardoned by his dad. Are these are delicious tears? Honestly, 55 00:03:07.039 --> 00:03:10.199 your dumb ass soon to be president pardons so many 56 00:03:10.240 --> 00:03:13.560 freaking people and you guys don't see it. It makes 57 00:03:13.599 --> 00:03:14.919 me laugh. Now, I can't. 58 00:03:15.280 --> 00:03:17.080 Trump is going to pardon a ton of people to 59 00:03:17.199 --> 00:03:20.960 January sixth people. But I need to tell that dumb doctor. 60 00:03:21.680 --> 00:03:24.840 One thing I have said, Biden is gonna pardon his 61 00:03:24.919 --> 00:03:27.240 son forever, and I think you can attest to that. 62 00:03:27.599 --> 00:03:29.400 And on top of that, I think he should have. 63 00:03:29.639 --> 00:03:31.680 What I don't like is how he lied about it. 64 00:03:31.879 --> 00:03:35.080 Trump's not lying about pardoning people coming up. He's just 65 00:03:35.120 --> 00:03:37.479 gonna do it. I don't know why Biden has to 66 00:03:37.560 --> 00:03:40.599 lie about it. I think Mark's got great instincts. And 67 00:03:40.680 --> 00:03:43.800 I've said it before. I mean, you've you've said things 68 00:03:43.800 --> 00:03:46.719 that you just feel. And I'm talking about when it 69 00:03:46.759 --> 00:03:50.120 comes to politics. Now, maybe other things too, but specifically 70 00:03:50.560 --> 00:03:54.439 this last season, Dan Kapalist really has some good instincts. 71 00:03:54.639 --> 00:03:56.840 Now we have Dan mackenzie with us. Let me right 72 00:03:56.960 --> 00:03:59.719 now here for those streaming you can see his pretty face. 73 00:03:59.759 --> 00:04:04.840 And anyway, Dan is an attorney at law that does 74 00:04:04.919 --> 00:04:07.919 a state planning. You know what, my kid moved that 75 00:04:08.000 --> 00:04:10.800 camera so you're seeing an empty door and it cut 76 00:04:10.840 --> 00:04:12.800 off to meet you. I'm gonna have to reframe that. 77 00:04:13.319 --> 00:04:17.680 But I had a question for him. For Dan McKenzie, Yeah, Dan, 78 00:04:17.800 --> 00:04:20.600 I do have a question. I am I'm gonna kind 79 00:04:20.600 --> 00:04:23.160 of are you. Are you on cam by the way? Mark? No, 80 00:04:23.199 --> 00:04:23.439 I'm not. 81 00:04:23.680 --> 00:04:25.639 I'm gonna be out of here this day. That's fine, okay, 82 00:04:25.680 --> 00:04:27.639 But so what's really crazy? 83 00:04:27.720 --> 00:04:27.879 Dan? 84 00:04:27.959 --> 00:04:32.360 Tell me about this updating someone's trust. Someone let's say, 85 00:04:32.680 --> 00:04:35.319 created a trust and their kids were very young at 86 00:04:35.319 --> 00:04:38.160 the time. Now their kids are well over eighteen and 87 00:04:38.240 --> 00:04:40.920 a lot of the stuff and the trust is just different. 88 00:04:41.000 --> 00:04:43.920 So what I have found and I left a message 89 00:04:43.920 --> 00:04:47.000 with you guys too. But the bottom line is there's 90 00:04:47.000 --> 00:04:50.079 really no such thing as updating a trust. Well there is, 91 00:04:50.399 --> 00:04:52.959 but what I've learned is you might as well just 92 00:04:53.040 --> 00:04:56.040 create a new trust rather than pay an attorney to 93 00:04:56.120 --> 00:04:59.639 go through an existing trust that could be fifty pages 94 00:05:00.000 --> 00:05:03.480 when they modifications, compared to just doing it from scratch. 95 00:05:03.720 --> 00:05:05.639 Would you agree with that statement or no? 96 00:05:06.680 --> 00:05:08.199 Hold on, let me turn on? Go ahead, sir? 97 00:05:08.519 --> 00:05:09.160 Absolutely. 98 00:05:09.279 --> 00:05:11.399 I mean it's like, why why go through and try 99 00:05:11.480 --> 00:05:13.519 and figure out like why was this done because the 100 00:05:13.519 --> 00:05:14.639 previous attorney liked it? 101 00:05:14.680 --> 00:05:16.240 Was it done because it was the law when they 102 00:05:16.240 --> 00:05:18.240 did this? Yeah? 103 00:05:18.240 --> 00:05:20.680 Because you're spending all that time when you could just 104 00:05:20.720 --> 00:05:21.879 start I just for sit them. 105 00:05:22.199 --> 00:05:22.439 Yeah. 106 00:05:22.519 --> 00:05:24.920 I mean the thing to understand is there's two parts 107 00:05:24.920 --> 00:05:26.800 to trust planning. One is creating the trust and the 108 00:05:27.560 --> 00:05:30.120 other part is actually putting your assets in the trust. 109 00:05:30.720 --> 00:05:34.360 And you don't have the hard set quite honestly, that's 110 00:05:34.480 --> 00:05:37.759 very interesting. So what you're saying is why bother just 111 00:05:37.839 --> 00:05:38.519 redoing it? 112 00:05:38.639 --> 00:05:40.519 Well, you redo it, but what it's called is like 113 00:05:40.560 --> 00:05:43.319 if you're just if you're going to fully amend a 114 00:05:43.560 --> 00:05:46.680 and replace a trust, A lot of times the way 115 00:05:46.680 --> 00:05:48.279 to do it is what's called a restatement, and a 116 00:05:48.319 --> 00:05:50.720 restatement is just a full swap out of the instruction. 117 00:05:50.839 --> 00:05:52.000 So the trust is the same. 118 00:05:52.399 --> 00:05:54.319 So if you did your trust in twenty ten, it'd 119 00:05:54.360 --> 00:05:56.560 still be called the Mark Trust twenty ten, but it's 120 00:05:56.560 --> 00:05:58.439 got a whole new set of instructions. In that way, 121 00:05:59.079 --> 00:06:01.160 at least you don't have to do all the funding. Again, 122 00:06:01.920 --> 00:06:04.399 let me ask you something else. I'm running up against 123 00:06:04.480 --> 00:06:07.720 just ideas here. So Tom and I own a few 124 00:06:07.759 --> 00:06:08.759 businesses together. 125 00:06:09.439 --> 00:06:15.680 So I would assume I would just put our fifty 126 00:06:15.759 --> 00:06:18.519 percent of the business or whatever amount it is. And 127 00:06:18.560 --> 00:06:21.439 this is for everybody out there, not just me, that 128 00:06:21.439 --> 00:06:23.759 that into the trust. 129 00:06:24.000 --> 00:06:24.360 Correct. 130 00:06:24.439 --> 00:06:28.120 In other words, I would literally move our ownership of 131 00:06:28.160 --> 00:06:30.720 the business into the trust. 132 00:06:31.040 --> 00:06:33.319 Right that is usually the case. 133 00:06:34.199 --> 00:06:36.800 You know, the operating agreements for the business will say 134 00:06:36.879 --> 00:06:38.160 whether that's allowable or not. 135 00:06:38.360 --> 00:06:38.759 That's right. 136 00:06:38.800 --> 00:06:41.279 Don't want to create a situation where you have not 137 00:06:41.399 --> 00:06:43.839 allowed our so many business partners. 138 00:06:44.399 --> 00:06:47.120 But here's the second point of that question though, because 139 00:06:47.120 --> 00:06:51.120 we were thinking about bank accounts that are associated with 140 00:06:51.319 --> 00:06:54.600 businesses we own. So the best way to do this 141 00:06:54.639 --> 00:06:58.399 once again would be bam, they have ownership of the business. 142 00:06:58.439 --> 00:07:01.160 Because they you know, they're in the trust and then 143 00:07:01.240 --> 00:07:04.839 therefore they would have access to those bank accounts. 144 00:07:05.199 --> 00:07:07.759 I mean, does that make sense to you? 145 00:07:07.839 --> 00:07:11.800 Yep, yeah, because putting the actual bank account into the 146 00:07:11.879 --> 00:07:16.079 trust would be insanity. That doesn't seem typically, that doesn't 147 00:07:16.079 --> 00:07:18.759 seem the way to do it, because banks don't even 148 00:07:18.839 --> 00:07:19.079 like that. 149 00:07:19.759 --> 00:07:21.279 I mean, I would remove it from the shelter that 150 00:07:21.319 --> 00:07:24.079 the business is providing, so I would put it back 151 00:07:24.120 --> 00:07:25.240 in your personal assets. 152 00:07:25.240 --> 00:07:28.879 And Tom, if you move everything into your trust, it's 153 00:07:28.920 --> 00:07:30.879 a pain in the ass, man, It's a It is 154 00:07:30.959 --> 00:07:32.800 a total pain in the ass. 155 00:07:33.480 --> 00:07:36.000 The answer is no, not yet. I have you know, 156 00:07:36.720 --> 00:07:39.000 I have at a line on it. I have very 157 00:07:39.079 --> 00:07:42.480 common problem doing it. Anyway, Sarah wants to talk about 158 00:07:42.560 --> 00:07:45.839 dyce in. You know, I'm going to tell you something. 159 00:07:46.399 --> 00:07:48.560 One of the worst investments I ever made was a 160 00:07:48.600 --> 00:07:51.560 dice in vacuum. One of the best was a shark 161 00:07:52.439 --> 00:07:57.519 way less way less expensive. And I will say, though 162 00:07:57.560 --> 00:08:01.399 the dice and warranty, I was pretty impressed. I was 163 00:08:01.439 --> 00:08:03.519 so pissed off at the dice in because it breaks 164 00:08:03.519 --> 00:08:06.319 and this goes rather than accobed. But if you take 165 00:08:06.360 --> 00:08:10.879 the time they had, they had a warranty place. I 166 00:08:10.920 --> 00:08:13.240 think in Aurora or somewhere I went. It could be 167 00:08:13.279 --> 00:08:16.160 in Park Meadows. Anyway, I went there and I said, 168 00:08:16.160 --> 00:08:18.120 this doesn't work. He goes in the back, gets a 169 00:08:18.120 --> 00:08:19.560 new one and just hands it to me. I mean 170 00:08:19.560 --> 00:08:22.839 it's like they asked no questions anyway, Sarah, I saw 171 00:08:22.839 --> 00:08:24.439 that you're calling about a dice in warranty. 172 00:08:24.480 --> 00:08:31.839 What's going on, Sarah, Well, unlike you I had, My 173 00:08:32.000 --> 00:08:35.399 sharks are nowhere near the quality of the dice in wait. 174 00:08:35.440 --> 00:08:38.200 You have, you have both, you have both, I do, 175 00:08:38.360 --> 00:08:40.720 I do, yes, And you don't like your shark. 176 00:08:42.360 --> 00:08:44.720 I did at first, but it seems to wear out 177 00:08:44.799 --> 00:08:48.519 a lot quicker than than the diceon day Like, okay, that's. 178 00:08:48.360 --> 00:08:51.480 Yet to be seen for me. You're right, You're right, 179 00:08:51.519 --> 00:08:53.639 because when I had to buy some newer you know, 180 00:08:53.679 --> 00:08:55.720 I want to buy a couple or one extra for 181 00:08:55.759 --> 00:09:00.440 this house. And because and so I got the shark. 182 00:09:00.519 --> 00:09:03.240 So I can't talk. I can't speak to its longevity. 183 00:09:03.559 --> 00:09:04.759 So what's going on with Dyson? 184 00:09:06.240 --> 00:09:09.960 So I got a Dyson last year end of November, 185 00:09:11.000 --> 00:09:13.440 and I was actually so thrilled with it. 186 00:09:14.360 --> 00:09:16.879 And then what kind did you buy? If I may ask, 187 00:09:16.919 --> 00:09:17.399 what kind. 188 00:09:17.960 --> 00:09:19.159 It's the V eleven. 189 00:09:20.159 --> 00:09:21.279 Yeah, I know, Tim. 190 00:09:21.320 --> 00:09:24.480 It was like one of the newest models, the draws. 191 00:09:24.559 --> 00:09:27.600 It has no cord, you know, it's the cordless you know, 192 00:09:27.759 --> 00:09:32.799 Church on the wall takes anywhere thing. And so in 193 00:09:32.879 --> 00:09:36.559 the end of July, the dust bin on it broke 194 00:09:37.480 --> 00:09:39.320 And that's exactly right. 195 00:09:39.879 --> 00:09:42.120 They did you drop it? By any chance? 196 00:09:43.679 --> 00:09:45.799 I didn't drop it, but there's no telling if one 197 00:09:45.799 --> 00:09:46.720 of my kids did or not. 198 00:09:46.759 --> 00:09:49.200 You know what, here, here's the problem with those things. 199 00:09:50.120 --> 00:09:53.960 They they they're too delicate. They they crack. I broke 200 00:09:54.039 --> 00:09:57.320 that thing a couple of times and where it won't 201 00:09:57.320 --> 00:09:59.519 close or something one of the little latin you know, 202 00:09:59.559 --> 00:10:03.120 a little plastic things that click in or anyway keep going. 203 00:10:03.159 --> 00:10:05.679 What happened? Then? So did your whole canister crack? That 204 00:10:05.720 --> 00:10:06.679 whole dust canister? 205 00:10:07.960 --> 00:10:09.840 No, it was like some kind of a seal up 206 00:10:09.840 --> 00:10:12.440 in the top. Okay, a little red piece. 207 00:10:13.120 --> 00:10:13.440 I know what. 208 00:10:13.480 --> 00:10:17.279 You immediately called dice in when it happened. And the 209 00:10:17.399 --> 00:10:21.320 lady I spoke to was really nice and she verified 210 00:10:21.399 --> 00:10:24.360 the problem, uh with a video call, so she knew 211 00:10:24.399 --> 00:10:25.399 exactly what was wrong. 212 00:10:25.919 --> 00:10:26.879 Yeah, and she. 213 00:10:26.919 --> 00:10:31.320 Said, unfortunately, the part that you need is out of stock. 214 00:10:31.759 --> 00:10:33.600 So call back in. 215 00:10:33.559 --> 00:10:35.519 A couple of weeks. Is it the red thing? Even 216 00:10:35.559 --> 00:10:37.639 when you take out there's a little filter on it. 217 00:10:39.720 --> 00:10:43.000 Yeah, so the red thing isn't supposed to come off 218 00:10:43.200 --> 00:10:46.320 of the canister, but it had popped off and there's 219 00:10:46.399 --> 00:10:49.039 no way to put it back on. It looks like 220 00:10:49.120 --> 00:10:50.279 you can, but you cannot. 221 00:10:50.759 --> 00:10:55.360 Okay, all right, So right now, when did this happen? 222 00:10:55.559 --> 00:10:56.480 When did this happen? 223 00:10:56.600 --> 00:11:01.759 So it broke in at the end of July and 224 00:11:02.159 --> 00:11:05.120 the part wasn't in, and they told me a call 225 00:11:05.159 --> 00:11:06.679 back in a couple of weeks to see if it 226 00:11:06.720 --> 00:11:10.240 was in, and it wasn't. So they said, great news, 227 00:11:10.399 --> 00:11:13.879 We're authorized to send you a new vacuum cleaner. I said, 228 00:11:13.879 --> 00:11:15.519 well that's fantastic, and. 229 00:11:15.759 --> 00:11:18.519 Okay, did they did they want to know how it happened. 230 00:11:19.759 --> 00:11:20.679 I did not ask that. 231 00:11:20.879 --> 00:11:23.360 No, Okay, no they didn't. 232 00:11:23.399 --> 00:11:25.759 They didn't want to know how it had been broken. 233 00:11:25.960 --> 00:11:28.039 And I think when I looked it up because I 234 00:11:28.080 --> 00:11:31.600 YouTube everything to try and fix things myself, it said 235 00:11:31.639 --> 00:11:33.600 it's a really common problem with that model. 236 00:11:34.039 --> 00:11:35.080 So it's okay, so. 237 00:11:35.279 --> 00:11:37.919 Bigger canister than than typical. 238 00:11:38.399 --> 00:11:39.559 Okay, so what happened then? 239 00:11:41.200 --> 00:11:44.080 So I called back and they said they would send 240 00:11:44.120 --> 00:11:46.919 a new vacuum, and but I had to send in 241 00:11:46.960 --> 00:11:51.039 my old one first. And I said, okay, that's, you know, 242 00:11:51.879 --> 00:11:52.840 not really convenient. 243 00:11:52.879 --> 00:11:54.279 I don't have a box, you know. 244 00:11:54.399 --> 00:11:57.159 Could you send the new one and then I'll send 245 00:11:57.159 --> 00:12:00.000 it back in the old and then the old one 246 00:12:00.039 --> 00:12:03.000 in the new box. And I said, no, that's not 247 00:12:03.080 --> 00:12:05.919 the policy. And I so. 248 00:12:06.799 --> 00:12:09.080 If we get down to the issue today, what is it? 249 00:12:09.120 --> 00:12:11.399 Is it the shipping back, is it the new one? 250 00:12:11.440 --> 00:12:11.919 What is it? 251 00:12:12.919 --> 00:12:16.759 So eventually I relented and said, okay, final, I'll send 252 00:12:16.799 --> 00:12:20.159 in my old vacuum. So to fast forward to that part, 253 00:12:20.240 --> 00:12:23.240 I took my old vacuum to the UPS store because 254 00:12:23.240 --> 00:12:25.440 I did not have a box for it, and there's 255 00:12:25.480 --> 00:12:30.720 a no box option. UPS store took my vacuum, printed 256 00:12:30.759 --> 00:12:34.200 me at receipt and I was patiently waiting for my 257 00:12:34.279 --> 00:12:37.080 new vacuum, and after about a week or so not 258 00:12:37.120 --> 00:12:37.799 hearing anything. 259 00:12:38.240 --> 00:12:42.159 It's the UPS store, that not UPS but the UPS store, 260 00:12:43.480 --> 00:12:44.159 right yeah. 261 00:12:44.000 --> 00:12:46.159 Because Dyson said, take take it to. 262 00:12:46.120 --> 00:12:47.240 It at the UPS store. 263 00:12:47.720 --> 00:12:52.440 Okay, God, So that's what I did. And then I 264 00:12:52.480 --> 00:12:54.279 looked up the tracking number and it said that it 265 00:12:54.320 --> 00:12:55.440 hadn't moved yet. 266 00:12:55.600 --> 00:12:56.240 But it has right. 267 00:12:56.360 --> 00:12:57.679 So this is back in July. 268 00:12:57.759 --> 00:13:01.120 We're talking Ryan, So by the time I shipped it 269 00:13:01.240 --> 00:13:02.679 was August. 270 00:13:02.480 --> 00:13:05.120 So in August. Okay, so you sent back the old one? 271 00:13:05.159 --> 00:13:06.879 Do you have the new one? 272 00:13:07.200 --> 00:13:07.639 I do not. 273 00:13:08.559 --> 00:13:11.000 They wanted to wait. They wanted to wait to so 274 00:13:11.039 --> 00:13:12.919 they wouldn't send the new one until they got the 275 00:13:12.919 --> 00:13:16.519 old one right. And let me guess, they lost the 276 00:13:16.519 --> 00:13:16.919 old one. 277 00:13:17.519 --> 00:13:20.360 They lost the old EPs lost the old one. Did 278 00:13:20.360 --> 00:13:24.519 you have any Dyson won't. They won't ship a new one. 279 00:13:24.559 --> 00:13:26.320 And they keep telling me that I need to file 280 00:13:26.360 --> 00:13:30.279 a clean you do and with the UPS clean, but 281 00:13:30.320 --> 00:13:35.000 they I can't because Dyson is both the shipper and 282 00:13:35.039 --> 00:13:37.200 the receiver. 283 00:13:37.559 --> 00:13:39.240 Yeah, Dyson has to do the claim. 284 00:13:39.799 --> 00:13:42.279 There's no way for me to file a clean. And 285 00:13:42.360 --> 00:13:44.960 I've been around and around with UPS and the ups. 286 00:13:45.120 --> 00:13:49.279 How much was that back in about about six? 287 00:13:50.039 --> 00:13:50.080 What? 288 00:13:51.399 --> 00:13:55.600 What model? Did you say? It was? The gold model? 289 00:13:55.799 --> 00:13:56.399 The eleven? 290 00:13:56.840 --> 00:13:58.360 It's all now, but it was. 291 00:13:59.360 --> 00:14:00.960 Did you know it was that much? I don't know 292 00:14:02.480 --> 00:14:06.320 the V eleven. I'm seeing them here. They're pretty cool though, 293 00:14:06.360 --> 00:14:08.720 man for four hundred bug. Yeah, well you say they're cool. 294 00:14:08.759 --> 00:14:11.759 I don't say they're cool. In fact, that's the one. 295 00:14:11.840 --> 00:14:14.200 I don't know anyway, So right. 296 00:14:14.039 --> 00:14:17.480 Now that's extensive now because they're not the newest model anymore. 297 00:14:17.519 --> 00:14:22.519 Do you ever receipt from UPS? I do, okay, And 298 00:14:22.639 --> 00:14:25.879 on that receipt, what does it show as a shipper? 299 00:14:29.000 --> 00:14:29.679 Let's see it. 300 00:14:29.879 --> 00:14:33.799 So I got it. I gotta take this break, but 301 00:14:33.840 --> 00:14:37.120 I want to know. Well, she already said it, says Dyson. No, 302 00:14:37.399 --> 00:14:41.679 she said that. They claim yeah, they claim it's diceing 303 00:14:41.679 --> 00:14:44.600 to me either. But you're the one with the receipt. 304 00:14:44.600 --> 00:14:46.840 Hold on, we'll come right back to you. I'm Tom 305 00:14:46.840 --> 00:14:49.159 Martino three three seven to one to three talk this 306 00:14:49.399 --> 00:14:51.480 is a pain three all three seven one three eight 307 00:14:51.559 --> 00:14:54.759 two five five Denver regen dot com. Get your jump 308 00:14:54.799 --> 00:14:59.279 on weight loss drugs at severe discounts, starting at like 309 00:14:59.360 --> 00:15:01.799 two hundred ninety five bucks a month. You can get 310 00:15:01.879 --> 00:15:13.000 semiglutide to zeppatide compounded Denver Region dot com. Go with 311 00:15:13.080 --> 00:15:16.639 a sure thing Denver's best roofer Excel Roofing dot com. 312 00:15:16.679 --> 00:15:22.320 You don't pay a cent until you're contenth wait time 313 00:15:22.360 --> 00:15:25.639 for an insurance check up free, no obligation comparison call 314 00:15:25.759 --> 00:15:29.039 Compass insurance paying too much your coverage at dozens of 315 00:15:29.080 --> 00:15:32.039 insurance companies. Find out now three all three seven seven 316 00:15:32.039 --> 00:15:34.799 to one help. You'll think you're his only customer when 317 00:15:34.840 --> 00:15:37.320 you choose Frank durand the real estate man dot com 318 00:15:37.360 --> 00:15:40.480 to list your home with Remax Alliance three all three 319 00:15:40.559 --> 00:15:50.080 nine two zero sixteen twenty two. Hi Tom Martino, your 320 00:15:50.200 --> 00:15:54.360 troubleshooter three all three seven one three talk three all 321 00:15:54.399 --> 00:15:58.399 three seven one three eight two five five. Okay, so 322 00:15:58.480 --> 00:16:02.799 what do we do about this? I I think if 323 00:16:02.799 --> 00:16:08.720 the Dison here, look, look if they if you can't 324 00:16:08.720 --> 00:16:10.799 find the old one, who do you go after? I mean, 325 00:16:11.320 --> 00:16:14.879 really and truly, it's not Dyson's fault, but they should 326 00:16:14.919 --> 00:16:17.759 help you. Well, they are a shipping label. They're the 327 00:16:17.799 --> 00:16:20.559 ones that need to file the claim according to the callers. 328 00:16:20.600 --> 00:16:23.200 So therefore, I do think it's Dison's fault. Yeah, that's 329 00:16:23.240 --> 00:16:25.360 what I mean. It's not their fault, it's losses. What 330 00:16:25.399 --> 00:16:27.879 I mean, they should cooperate with you and help you. 331 00:16:28.679 --> 00:16:32.240 But on that receipt, maybe deputy, maybe we give this 332 00:16:32.320 --> 00:16:35.960 to a deputy dollar he might be good at this. 333 00:16:37.480 --> 00:16:41.840 Well, I think he should also consider small claim scored 334 00:16:41.919 --> 00:16:46.200 against Dison and against I'm not you, I don't know ups. Well, 335 00:16:46.240 --> 00:16:53.120 I would almost assure you that would work. Yeah, have you, Sarah? 336 00:16:53.399 --> 00:16:56.840 You know you could do a small claim against Dyson 337 00:16:58.240 --> 00:17:00.600 for the loss and it's really a six hundred dollars 338 00:17:00.639 --> 00:17:04.000 loss to you or to replace it. Actually is only 339 00:17:04.799 --> 00:17:06.400 three nine nine right now. 340 00:17:07.920 --> 00:17:10.160 All those cybernds, no. 341 00:17:10.119 --> 00:17:11.799 I mean right now, Yeah, you can get the v 342 00:17:11.880 --> 00:17:16.319 eleven all day long for three ninety nine that I see. Yeah, 343 00:17:16.359 --> 00:17:18.880 but here's the deal. That doesn't mean we won't help 344 00:17:18.920 --> 00:17:21.720 you make a call or two. But you know, Dyson, 345 00:17:21.799 --> 00:17:25.799 in my opinion, is a terrible company. What do I 346 00:17:25.839 --> 00:17:28.119 mean by that. I don't mean they cheat you or anything, 347 00:17:28.119 --> 00:17:32.039 but they're just so they did you buy it? By 348 00:17:32.079 --> 00:17:34.240 the way, I might have missed. I think they're so great. 349 00:17:34.319 --> 00:17:36.960 They just don't attend to you that well. Now, except 350 00:17:37.000 --> 00:17:38.839 when I went to that store, they did kind of 351 00:17:38.920 --> 00:17:40.720 just go on the back and handed me another one. 352 00:17:41.000 --> 00:17:44.880 My wife absolutely loves her Dyson hair dryer. 353 00:17:45.200 --> 00:17:48.240 I mean she loves it so well. Dyson has a 354 00:17:48.359 --> 00:17:51.559 name and has a name for all the different things 355 00:17:51.559 --> 00:17:53.799 they make, and they all have one thing in common. 356 00:17:53.839 --> 00:17:57.720 Air move. Where did you buy that vacuum? 357 00:17:58.119 --> 00:18:01.680 I'm actually not sure. My sister and a dear friend 358 00:18:01.680 --> 00:18:03.759 of mine got it for me for my birthday. 359 00:18:04.680 --> 00:18:08.279 Say if you bought a vacuum for your birthday, that's 360 00:18:08.319 --> 00:18:13.319 what I got to say. Oh God, Mark gave Susannah 361 00:18:13.440 --> 00:18:17.119 vacuum for Valentine's Day. Now come on, man, No, those 362 00:18:17.119 --> 00:18:22.799 were the nice pots and pans. Brother. Oh okay, hey, Sarah, really, 363 00:18:22.839 --> 00:18:25.200 I'm gonna we're gonna give this his dollar in the studio. 364 00:18:26.240 --> 00:18:29.720 He is Syria, I'm here, don Why don't we give 365 00:18:29.759 --> 00:18:31.880 him a call or two and say, look, you're the shipper, 366 00:18:32.440 --> 00:18:34.359 why don't you just put a claim in with UPS 367 00:18:34.480 --> 00:18:37.880 right now and then help her out. I mean, let's 368 00:18:37.920 --> 00:18:40.119 just get this ball rolling. At least get them off 369 00:18:40.119 --> 00:18:40.519 the dime. 370 00:18:40.839 --> 00:18:44.000 And hey, by the way, on Secretary of State, they 371 00:18:44.039 --> 00:18:47.079 are there, and it would be the dice and direct ache. 372 00:18:47.319 --> 00:18:50.759 I think it'll be the best fifty five bucks you've 373 00:18:50.799 --> 00:18:54.079 ever spent. I have served so many people where they 374 00:18:54.160 --> 00:18:57.400 actually take service. It's pretty simple stuff. 375 00:18:58.559 --> 00:19:00.480 Yeah, I bet you. I bet you. 376 00:19:00.480 --> 00:19:03.839 You'd have a vacuum to your place in about three 377 00:19:03.920 --> 00:19:04.440 or four. 378 00:19:04.279 --> 00:19:07.799 Weeks if you just file it. Yeah, so let's do both. 379 00:19:08.079 --> 00:19:12.359 For let's do both. I think that's a good idea. 380 00:19:12.519 --> 00:19:15.960 We have a question for Dan mackenzie Sherry. What is 381 00:19:16.000 --> 00:19:18.359 your question for our attorney Dan today? 382 00:19:19.799 --> 00:19:24.240 Hi there, Tom, Hey, So I do have a question 383 00:19:24.359 --> 00:19:26.440 for Dan. My brother and I met with him a 384 00:19:26.480 --> 00:19:30.559 little over a month ago about setting up a trust, 385 00:19:31.400 --> 00:19:36.720 and I've got a question. I've read that you should 386 00:19:36.759 --> 00:19:43.160 not ever put a checking account in a trust. 387 00:19:43.519 --> 00:19:47.200 Wouldn't you just set up the beneficiary? Dan? I mean? 388 00:19:47.640 --> 00:19:50.039 So the issue is just that a lot of banks 389 00:19:50.079 --> 00:19:54.319 will not just put the existing account into the trust. 390 00:19:54.599 --> 00:19:56.359 They will open a new account and the name of 391 00:19:56.359 --> 00:19:58.039 the trust and transfer the funds in there. And when 392 00:19:58.079 --> 00:20:01.039 they do that, they break your got a new account number? 393 00:20:01.079 --> 00:20:04.319 You got to get any checks? 394 00:20:04.559 --> 00:20:06.799 What is the purpose of putting it You can't have 395 00:20:06.880 --> 00:20:08.960 that much You don't have that much money at any 396 00:20:08.960 --> 00:20:10.079 one time sharing them in there. 397 00:20:10.480 --> 00:20:12.480 But the benefit of having it in the trust is 398 00:20:12.480 --> 00:20:15.519 that the trust covers incapacity events too. So your beneficiary 399 00:20:15.519 --> 00:20:18.039 designation is not helpful in an incapacity event. 400 00:20:18.359 --> 00:20:21.720 What does that mean? So, so if there's a payable 401 00:20:21.720 --> 00:20:24.519 on death, it's not only kicks in if you've died, 402 00:20:24.920 --> 00:20:27.680 not if you're a disr Whereas if it's in the trust, 403 00:20:27.759 --> 00:20:30.079 your trustee can step in and manage that. You know 404 00:20:30.160 --> 00:20:33.039 every account trust, so why would he helpful? 405 00:20:33.119 --> 00:20:35.720 But why can't you just put the trust is the 406 00:20:35.799 --> 00:20:38.559 beneficiary of the checking account. 407 00:20:38.880 --> 00:20:41.200 No, he said you could, But what would happen is 408 00:20:41.920 --> 00:20:45.839 it doesn't kick in with them with dementia or something. 409 00:20:45.839 --> 00:20:49.799 It only kicks in with death. I understand exactly what 410 00:20:49.839 --> 00:20:53.759 you're saying. Whereas a trust, a trust can be written 411 00:20:53.759 --> 00:20:56.720 to take over I mean I would say the question. 412 00:20:56.799 --> 00:20:59.119 I mean, it depends on your bank's policy. 413 00:20:59.200 --> 00:21:01.720 I don't know where you are in that process, but 414 00:21:02.079 --> 00:21:04.000 you could check with your bank and see a lot 415 00:21:04.000 --> 00:21:06.799 of times, what I recommend that people is maybe open 416 00:21:06.839 --> 00:21:09.599 a new account in the name of the trust and 417 00:21:09.680 --> 00:21:12.799 keep the old account and just over time slowly migrate 418 00:21:12.799 --> 00:21:14.240 over to that new account, because it can be a 419 00:21:14.279 --> 00:21:16.920 bit of a pain to just move it. Currently sit 420 00:21:17.039 --> 00:21:18.440 an account into the trust. 421 00:21:18.920 --> 00:21:22.240 Well, because I was thinking, I'm just kind of I'm 422 00:21:22.279 --> 00:21:26.160 a little anal about things. Yeah, and I was thinking 423 00:21:26.160 --> 00:21:29.240 it would be nice job an account that would cover 424 00:21:29.559 --> 00:21:32.759 any of the assets in the trust, just to keep 425 00:21:32.799 --> 00:21:34.119 things kind of clean in mind. 426 00:21:34.200 --> 00:21:37.400 I mean, having cash in the trust I think is 427 00:21:37.440 --> 00:21:39.720 critically important because if you can have a lot of 428 00:21:39.759 --> 00:21:41.839 stuff in the trust, and if it's real estate or 429 00:21:41.880 --> 00:21:44.960 personal property or other hard assets, it can be really 430 00:21:44.960 --> 00:21:45.640 hard to deal with. 431 00:21:45.960 --> 00:21:48.079 Why because you can't pay the bills or you can 432 00:21:48.240 --> 00:21:48.680 pay fees. 433 00:21:48.720 --> 00:21:51.440 Somebody needs to keep paying the property taxes and insurance 434 00:21:51.559 --> 00:21:54.279 and you know, getting appraisals on things, and like where's 435 00:21:54.279 --> 00:21:55.920 that money coming from if there's no cash? 436 00:21:56.119 --> 00:21:59.240 Do people ever do services for trust on the come? 437 00:22:01.359 --> 00:22:03.519 I mean I guess that's possible, but it's like, yeah, 438 00:22:04.000 --> 00:22:07.200 can you lean a trust? As an attorney? Can you 439 00:22:07.279 --> 00:22:13.799 lean a trust? I guess yes, it's possible. It's got 440 00:22:13.920 --> 00:22:16.559 to be. It's it's probably gotta be in your vocal trust. Really, 441 00:22:16.599 --> 00:22:19.839 if we think about it, all a trust is is 442 00:22:19.920 --> 00:22:24.480 a person. I mean, right, isn't a trust in a 443 00:22:24.519 --> 00:22:28.480 way it's an empty person with other people benefiting from that. Yeah, yeah, 444 00:22:28.680 --> 00:22:31.720 I mean Mark's an LLC. We tend to an LLC, 445 00:22:31.880 --> 00:22:34.519 is right. We talked about how you do LLC sometimes 446 00:22:34.559 --> 00:22:37.640 as a poor man's trust. But an LLC is a person, 447 00:22:37.759 --> 00:22:39.680 an entity. I mean you know what I mean by that. 448 00:22:39.960 --> 00:22:43.559 It's a separate thing. Yeah, it's a separate thing. Yeah. Now, 449 00:22:44.440 --> 00:22:49.240 so your advice then, Jennifer, I mean not your advice 450 00:22:49.279 --> 00:22:51.000 but I think he said, you just have to open 451 00:22:51.039 --> 00:22:52.799 a new one right in the name of the trust 452 00:22:52.880 --> 00:22:55.319 with the bank and then transfer the funds. 453 00:22:56.359 --> 00:22:58.759 Yes, I mean a critical thing is like right now 454 00:22:58.799 --> 00:23:00.680 in Colorado, you can give away up to eighty two 455 00:23:00.680 --> 00:23:02.960 thousand bucks without having to use a probate process. 456 00:23:03.079 --> 00:23:03.440 That's sure. 457 00:23:03.559 --> 00:23:06.200 Do you just need to make sure that whatever's not 458 00:23:06.240 --> 00:23:09.279 in the trust doesn't exceed eighty two thousand dollars in values. No, 459 00:23:09.400 --> 00:23:11.920 most of my clients that you know, five to ten thousand. 460 00:23:12.000 --> 00:23:15.319 That's what Trager's probate. If a person passes away and 461 00:23:15.359 --> 00:23:17.200 there's more than eighty two thousand bucks in their name, 462 00:23:17.240 --> 00:23:18.839 you're going to have to put in a probate case 463 00:23:18.839 --> 00:23:19.400 to go get it. 464 00:23:20.319 --> 00:23:23.079 Wait wait, wait, if it's in the trust though, No, no, no, no, 465 00:23:23.160 --> 00:23:24.880 that trust takes it out of their name. Oh that's 466 00:23:24.880 --> 00:23:27.319 what I mean, got it? Okay, So you're saying there's 467 00:23:27.359 --> 00:23:30.839 more than go ahead, Mark, Well, I just thought about this. 468 00:23:31.000 --> 00:23:32.839 We just had to go through on Well, I had 469 00:23:32.880 --> 00:23:35.240 to go through on every company we own and. 470 00:23:35.240 --> 00:23:36.920 Fill out that new paperwork. 471 00:23:37.319 --> 00:23:40.599 I did it, Mark, Yeah, Well I know our company, Okay, 472 00:23:40.680 --> 00:23:42.480 I had to do it for other companies too. 473 00:23:42.559 --> 00:23:42.759 Oh. 474 00:23:42.839 --> 00:23:45.400 Okay, okay, But here's what I'm asking. Do you have 475 00:23:45.480 --> 00:23:47.200 to do that for a trust? Do you have to 476 00:23:47.279 --> 00:23:50.279 report to the FED? The OI actually owns. 477 00:23:50.000 --> 00:23:54.559 It, the beneficial owner information now the OI? No, no, no, no, 478 00:23:54.640 --> 00:23:57.920 here you think by the way, Mark, Yeah, yeah, I 479 00:23:57.920 --> 00:23:59.720 did it on all ours. You might have been redundant 480 00:23:59.759 --> 00:24:02.319 if you did it on ours. But and in any case, 481 00:24:02.440 --> 00:24:04.759 didn't it only take you five minutes? People were bitching 482 00:24:04.799 --> 00:24:07.000 about this. It took me five minutes for each one. 483 00:24:07.319 --> 00:24:11.000 Yes online anyway three ol three seven one three eight 484 00:24:11.039 --> 00:24:19.359 two five five Go with a sure thing Denver's best 485 00:24:19.440 --> 00:24:22.319 roofer Excel Roofing dot com. You don't pay a cent 486 00:24:22.519 --> 00:24:28.559 until you're content. Wait time for an insurance check up free, 487 00:24:28.640 --> 00:24:32.400 no obligation. In comparison, call Compass Insurance paying too much 488 00:24:32.519 --> 00:24:35.440 your coverage at dozens of insurance companies find out now 489 00:24:35.519 --> 00:24:37.799 three all three seven to seven to one help. You'll 490 00:24:37.839 --> 00:24:40.559 think you're his only customer when you choose Frank durand 491 00:24:40.559 --> 00:24:43.039 the real estate Man dot com to list your home 492 00:24:43.240 --> 00:24:46.400 with Remax Alliance three all three nine two zero sixteen 493 00:24:46.480 --> 00:24:53.799 twenty two Tom Martino here eight eight eight heating dot com. 494 00:24:53.880 --> 00:24:56.599 If you couple it with solar the high efficiency units 495 00:24:56.599 --> 00:24:59.319 they sell, you can get a tax credit on all 496 00:24:59.359 --> 00:25:03.359 of it. Eight eight eight. Heating dot Com also has 497 00:25:03.440 --> 00:25:07.000 the Deep Clean for forty five bucks eight eight eight 498 00:25:07.000 --> 00:25:11.200 Heating dot Com. Let's keep going here, so I want 499 00:25:11.200 --> 00:25:13.200 to take people in order here because people have been waiting, 500 00:25:13.200 --> 00:25:14.799 and I'll get to all of you, I promise. Jessica. 501 00:25:14.799 --> 00:25:16.359 What's going on, Jessica, Welcome. 502 00:25:18.079 --> 00:25:18.759 Me, Jessica. 503 00:25:19.440 --> 00:25:20.680 Yeah, what's going on? 504 00:25:20.759 --> 00:25:23.319 Jess I'm talking to Tom Martino? 505 00:25:23.640 --> 00:25:23.839 Is that? 506 00:25:23.960 --> 00:25:30.559 Oh my god? Yeah, yess I'm talking to Jessica's going 507 00:25:30.880 --> 00:25:31.960 what's going on, Jessica. 508 00:25:32.319 --> 00:25:34.480 Well, I have to say you my father I love 509 00:25:34.559 --> 00:25:36.759 your show and we've listened for years. 510 00:25:36.920 --> 00:25:38.920 And he called me last night and said, if you 511 00:25:38.920 --> 00:25:42.160 don't call Tom Martino, then I don't know if you 512 00:25:42.160 --> 00:25:44.759 can come home for Christmas because he believes you can 513 00:25:44.799 --> 00:25:46.640 help me, and you might be the only one. 514 00:25:46.799 --> 00:25:49.160 Maybe I hope not. Now that now that's big shoes 515 00:25:49.200 --> 00:25:52.079 to fill. And by the way, when when most young women, 516 00:25:52.680 --> 00:25:55.079 when when we're out and about and and Stephanie and 517 00:25:55.119 --> 00:25:57.200 Iron and a young woman comes up, she starts out 518 00:25:57.200 --> 00:26:02.680 by saying, my grandfather loves you or or in your case, 519 00:26:02.720 --> 00:26:06.279 your dad, So what's going on? Well, I will also say. 520 00:26:06.119 --> 00:26:08.400 I grew up in Colorado listening to your show as well, 521 00:26:08.440 --> 00:26:12.160 so this is very surreal and I will try to 522 00:26:12.240 --> 00:26:13.559 keep my excitement together. 523 00:26:13.960 --> 00:26:14.960 Okay, what's going on? 524 00:26:15.440 --> 00:26:18.839 This sounds serious, isn't It is quite serious. 525 00:26:20.279 --> 00:26:23.559 My two children and the fact that I'm a single 526 00:26:23.599 --> 00:26:25.720 mom fighting a custody battle. 527 00:26:26.319 --> 00:26:29.880 In Illinois and I've been doing it with the help 528 00:26:29.960 --> 00:26:32.519 of my father who's an engineer in Colorado, and he 529 00:26:32.640 --> 00:26:34.519 and I together have been writing motions. 530 00:26:35.000 --> 00:26:38.240 Okay, here's what I need to know. Okay, why is 531 00:26:38.279 --> 00:26:41.200 it in Illinois right now? Is that where you were married? 532 00:26:41.400 --> 00:26:43.000 Or were you married? 533 00:26:44.079 --> 00:26:48.839 I was married and yes we he my ex husband 534 00:26:48.880 --> 00:26:52.680 is from Chicago and the case is out of DuPage 535 00:26:52.720 --> 00:26:53.759 County in Illinois. 536 00:26:54.359 --> 00:26:57.119 Is this during a divorce or after a divorce? 537 00:26:57.559 --> 00:26:59.799 It's a post judgment case at this point. 538 00:27:00.160 --> 00:27:02.440 So here's what I need to know, and the reason 539 00:27:02.519 --> 00:27:05.880 I'm bulleting. The reason I'm bulleting questions rather than the story. 540 00:27:05.920 --> 00:27:07.440 And I'll let you tell the story. But the reason 541 00:27:07.440 --> 00:27:09.519 I'm doing that is to line up who we should 542 00:27:09.519 --> 00:27:11.880 talk to. So here's what I need to know. Was 543 00:27:11.920 --> 00:27:16.519 the divorce decree final and then he went back for custody. 544 00:27:17.279 --> 00:27:21.119 It was the day of the divorce was final. She 545 00:27:21.359 --> 00:27:24.359 told me not to show up, so he, in effect 546 00:27:24.599 --> 00:27:25.799 just got. 547 00:27:25.480 --> 00:27:28.920 What he wanted. And I've been fighting that ever since. 548 00:27:29.200 --> 00:27:31.759 Okay, now, hold on, you mean to tell me that 549 00:27:32.160 --> 00:27:35.440 was there a here? Wait? Was there an actual hearing 550 00:27:36.240 --> 00:27:39.839 for the final divorce decree? Or was it done online? 551 00:27:39.960 --> 00:27:40.960 And back and forth? 552 00:27:41.039 --> 00:27:43.440 He was a judgment entered on default of me not 553 00:27:43.559 --> 00:27:44.079 showing up. 554 00:27:44.359 --> 00:27:46.920 Okay? And you didn't show up because you trusted him. 555 00:27:47.519 --> 00:27:49.559 Yeah, he told me if I came, he'd got me arrested, and. 556 00:27:49.519 --> 00:27:50.359 I believe that. 557 00:27:50.960 --> 00:27:55.039 Now, wait a minute. At the time, what was the 558 00:27:55.079 --> 00:27:59.160 status quo at the time? Were you here in Colorado 559 00:27:59.559 --> 00:28:00.519 with your children? 560 00:28:02.599 --> 00:28:07.279 No, my children have never been to Colorado see their grandparents. 561 00:28:07.640 --> 00:28:08.839 Are you in Colorado? 562 00:28:09.160 --> 00:28:10.640 Are you in Colorado Illinois? 563 00:28:10.759 --> 00:28:11.039 Okay? 564 00:28:11.079 --> 00:28:11.279 That's what? 565 00:28:11.440 --> 00:28:14.200 Okay, good, and now that makes sense. Okay, So Jessica, 566 00:28:14.440 --> 00:28:18.880 you get divorced, you're there and upon filing the divorce 567 00:28:19.240 --> 00:28:23.160 where this is really important, where were the kids living 568 00:28:23.319 --> 00:28:26.880 up to the final decree in our. 569 00:28:26.799 --> 00:28:29.559 Mutual marital home which was in Downers Grove? 570 00:28:29.920 --> 00:28:32.720 But who had them? Who had them? You were him? 571 00:28:32.920 --> 00:28:38.319 In that at left because he kept involving the cops 572 00:28:38.359 --> 00:28:43.279 and I was struggling with postpartum depressions and alcohol and 573 00:28:43.400 --> 00:28:46.880 it was so untenable that when I left to move 574 00:28:46.920 --> 00:28:50.160 into a hotel that he moved me into, effectively, the 575 00:28:50.160 --> 00:28:50.880 court looked at that. 576 00:28:50.920 --> 00:28:54.039 As abandonment, as a status quo. That's right. So the 577 00:28:54.160 --> 00:28:57.759 kids were with him at the time. And who filed hint? 578 00:28:57.920 --> 00:28:59.519 Did he file or did you file? 579 00:29:00.079 --> 00:29:01.240 He filed the day after me. 580 00:29:01.279 --> 00:29:06.799 Okay. So, okay, So here's the problem. They looked at 581 00:29:06.799 --> 00:29:11.119 that exactly as you said. You were the the alcoholic 582 00:29:11.240 --> 00:29:15.039 mom left the kids, and then he had his way 583 00:29:15.200 --> 00:29:19.240 right now, when he filed for divorce, did you hire 584 00:29:19.319 --> 00:29:21.519 an attorney? 585 00:29:21.720 --> 00:29:27.880 I did, and haphazardly stumbled upon the one that was 586 00:29:27.920 --> 00:29:32.559 representing Scott Peterson, Drew Peterson, And so thus began my 587 00:29:32.960 --> 00:29:35.680 debacle of Illinois court system. 588 00:29:36.799 --> 00:29:40.799 Okay, here's what I need to know. When did you 589 00:29:40.880 --> 00:29:43.720 have an attorney at the time the final decree was 590 00:29:43.880 --> 00:29:45.799 entered without your appearance? 591 00:29:46.359 --> 00:29:46.759 No? 592 00:29:47.240 --> 00:29:50.559 Okay, So you made a decision on your own. There 593 00:29:50.640 --> 00:29:53.160 wasn't bad counsel. You made a decision on your own 594 00:29:53.200 --> 00:29:53.920 not to show. 595 00:29:53.799 --> 00:29:57.039 Up, correct, Okay? 596 00:29:57.200 --> 00:29:58.039 And I did not know. 597 00:29:58.160 --> 00:30:01.839 I did not Usually default judgments, usually default judgments in 598 00:30:01.880 --> 00:30:08.920 a divorce are easily contestable, easily, especially when there's threats 599 00:30:08.960 --> 00:30:12.880 and stuff. But how long ago was this default judgment? 600 00:30:14.599 --> 00:30:17.880 April seven, twenty fifteen. 601 00:30:19.240 --> 00:30:21.160 Oh my god, Oh my god. 602 00:30:21.559 --> 00:30:22.039 Exactly. 603 00:30:22.079 --> 00:30:26.880 And they told me, okay, hold on, this is really bad. 604 00:30:27.039 --> 00:30:30.720 But that still doesn't preclude you from being a parent forever. Okay, 605 00:30:30.880 --> 00:30:33.960 there's no life the kids. There's no life sentence. There's 606 00:30:34.000 --> 00:30:40.480 no life sentence against being a parent. Okay. Mark asked 607 00:30:40.480 --> 00:30:42.319 that question. I'm sorry, how old are the children? How 608 00:30:42.319 --> 00:30:44.319 old are the kids now? That's nine years ago. 609 00:30:44.960 --> 00:30:48.359 Yes, my daughter is going to be thirteen in March, 610 00:30:48.480 --> 00:30:50.519 and my son is eleven and a half. 611 00:30:50.599 --> 00:30:56.519 Don't they, okay say at that age, I'm sorry, more 612 00:30:56.599 --> 00:30:58.880 or less asking time. Don't they have a lot to 613 00:30:58.960 --> 00:30:59.799 say at that age? 614 00:31:00.119 --> 00:31:02.640 They do have some say, the course still take jurisdiction. 615 00:31:02.720 --> 00:31:04.599 Hold on, let's come back to you, okay, and we're 616 00:31:04.599 --> 00:31:06.440 gonna get We're gonna try to get an attorney on 617 00:31:06.440 --> 00:31:07.960 for the next hour. But I want to come back 618 00:31:08.200 --> 00:31:09.920 with some parting words. I don't want you to leave. 619 00:31:10.000 --> 00:31:17.519 I'm Tom Martino, go with a sure thing Denver's best 620 00:31:17.599 --> 00:31:20.480 roofer Excel Roofing dot com. You don't pay a cent 621 00:31:20.680 --> 00:31:26.759 until you're content. Time for an insurance check up free 622 00:31:26.839 --> 00:31:30.880 no obligation comparison call Compass Insurance paying too much your 623 00:31:30.920 --> 00:31:33.839 coverage at dozens of insurance companies find out now three 624 00:31:33.920 --> 00:31:36.440 all three seven seven to one help. You'll think you're 625 00:31:36.480 --> 00:31:39.000 his only customer when you choose Frank durand the real 626 00:31:39.079 --> 00:31:42.079 estate Man dot com to list your home with Remax 627 00:31:42.119 --> 00:31:47.960 Alliance three all three nine two zero sixteen twenty two. 628 00:31:49.279 --> 00:31:51.359 Hi Tom Martino here at three all three seven one 629 00:31:51.400 --> 00:31:54.319 three talks seven one three eight two five five. So 630 00:31:54.480 --> 00:31:59.759 here here's the bottom line, Jessica. Okay, usually you know, 631 00:31:59.799 --> 00:32:02.519 for get the divorce and the fault judgment all that. 632 00:32:02.519 --> 00:32:06.039 That's all too late. It really is. Right now, let's 633 00:32:06.200 --> 00:32:10.759 just boil it down. You want some kind of role 634 00:32:10.880 --> 00:32:13.000 in your kids' lives? Is that it in a nutshell 635 00:32:13.480 --> 00:32:15.759 without going through the injustices you suffered? 636 00:32:16.599 --> 00:32:16.960 Correct? 637 00:32:17.519 --> 00:32:23.039 Okay, Now, normally the courts, normally the courts do not 638 00:32:24.359 --> 00:32:26.960 oppose biological parents who want to come back into the 639 00:32:27.000 --> 00:32:33.200 kids' lives, but the other parent can. So did you 640 00:32:33.720 --> 00:32:36.440 out of nowhere for the last ten years. I need 641 00:32:36.480 --> 00:32:38.960 to know something. Last nine years, have you been visiting 642 00:32:38.960 --> 00:32:39.440 your kids? 643 00:32:40.240 --> 00:32:42.920 Yes, and I have. 644 00:32:43.759 --> 00:32:45.200 How often do you visit. 645 00:32:44.960 --> 00:32:47.119 Them right now? 646 00:32:47.240 --> 00:32:51.039 Currently the current over the past nine years. What has 647 00:32:51.079 --> 00:32:53.160 been the frequency of your visits. 648 00:32:53.119 --> 00:32:57.319 Over the past alternating weekends to once a week as, okay. 649 00:32:57.079 --> 00:33:00.720 So you had court ordered visit. Wait, you had court 650 00:33:00.880 --> 00:33:01.720 ordered visitation. 651 00:33:02.480 --> 00:33:04.440 Correct. As we were inching towards a trial. 652 00:33:05.519 --> 00:33:06.440 What kind of trial? 653 00:33:07.240 --> 00:33:10.440 We need to decide a ton of things. It's still 654 00:33:10.599 --> 00:33:14.920 deciding for parenting excuse me, parenting time. I mean I 655 00:33:14.960 --> 00:33:17.759 owe back child support to the tune of thirty thousand dollars. 656 00:33:17.839 --> 00:33:20.279 So I went, ho, ho, hold on? Were you making 657 00:33:20.319 --> 00:33:21.160 more money than him? 658 00:33:21.799 --> 00:33:22.039 No? 659 00:33:22.559 --> 00:33:23.599 I was okay at home, MoMA. 660 00:33:23.680 --> 00:33:25.759 My exes destroyed me. 661 00:33:26.039 --> 00:33:27.359 I can't even get. 662 00:33:27.240 --> 00:33:30.200 Another There was a child, there was a child support order? 663 00:33:31.079 --> 00:33:34.480 Oh yes, okay, So you owe thirty grand and back 664 00:33:34.480 --> 00:33:35.319 to child support? 665 00:33:35.839 --> 00:33:38.319 Yes, and every month I'm expected to pay eight hundred 666 00:33:38.319 --> 00:33:39.480 and fifty four dollars. 667 00:33:39.720 --> 00:33:40.079 Okay. 668 00:33:40.200 --> 00:33:40.799 Now he's an. 669 00:33:40.720 --> 00:33:43.079 Attorney who net five hundred thousand dollars. 670 00:33:43.200 --> 00:33:46.880 Wait, so, okay, okay, your husband is a your ex 671 00:33:46.960 --> 00:33:48.720 is an attorney, and. 672 00:33:48.599 --> 00:33:50.319 That's a part of the storyline as well. 673 00:33:50.640 --> 00:33:52.720 Yeah, but there's not much you can do about it. 674 00:33:52.720 --> 00:33:55.839 I mean, that's what he is. But so so it 675 00:33:55.880 --> 00:33:57.960 doesn't matter what he makes. You have to pay some 676 00:33:58.240 --> 00:34:02.759 child support and what was the child support order originally? 677 00:34:02.799 --> 00:34:04.839 The eight hundred is making up brears too, So what 678 00:34:04.960 --> 00:34:07.680 is the normal support that they imputed to you? 679 00:34:08.559 --> 00:34:08.760 Oh? 680 00:34:08.920 --> 00:34:13.000 Once that, I mean back back when they back when 681 00:34:13.000 --> 00:34:14.599 the order came out. How much a month were you 682 00:34:15.199 --> 00:34:18.119 required to pay forty five dollars? 683 00:34:18.159 --> 00:34:20.559 Because I was making one hundred thousand dollars at the 684 00:34:20.639 --> 00:34:23.559 children's hospital the last couple of years until I recently 685 00:34:23.559 --> 00:34:27.519 got laid off. What were you doing as the secretary 686 00:34:27.719 --> 00:34:29.119 into your finance department? 687 00:34:29.440 --> 00:34:36.119 Okay, hold on, We're going to consult an attorney. Let's uh, Mark, 688 00:34:36.199 --> 00:34:38.559 is Bonnie around? Oh way? Mark might be off right now. 689 00:34:38.559 --> 00:34:40.519 Hold on, We're going to try to get an attorney 690 00:34:40.519 --> 00:34:43.119 on to talk to Hang on, and I'll take your 691 00:34:43.119 --> 00:34:45.679 other questions. Henry. I'm going to take you next on 692 00:34:45.719 --> 00:34:48.119 the will and trust, and then we'll come back to 693 00:34:48.159 --> 00:34:50.960 her with an attorney. Hang on, And then Jennifer, we 694 00:34:51.039 --> 00:34:56.679 got you too. Go with a sure thing Denver's Best 695 00:34:56.760 --> 00:35:00.199 roofer Excel Roofing dot com. You don't pay a cent. Hell, 696 00:35:00.239 --> 00:35:06.639 you're contenth time for an insurance check up free, no obligation. 697 00:35:06.679 --> 00:35:10.519 In comparison, call Compass Insurance. Pay too much your coverage 698 00:35:10.519 --> 00:35:13.199 at dozens of insurance companies find out now three oh 699 00:35:13.239 --> 00:35:15.719 three seven seven to one help. You'll think you're his 700 00:35:15.880 --> 00:35:18.480 only customer when you choose Frank durand the real estate 701 00:35:18.519 --> 00:35:21.760 man dot com to list your home with Remax Alliance 702 00:35:22.000 --> 00:35:25.280 three oh three nine two zero sixteen twenty two. Yeah, 703 00:35:29.760 --> 00:35:34.199 ripped of news, need advice? 704 00:35:34.239 --> 00:35:35.039 Who you don't have? 705 00:35:37.719 --> 00:35:42.280 Run anxious susas as the can Shooter's gonna help? 706 00:35:42.559 --> 00:35:45.400 Come man, This is. 707 00:35:45.280 --> 00:35:51.000 The Troubleshooter Show. Now, Tom Martine, Hi. 708 00:35:50.960 --> 00:35:53.360 Tom Martino here, Welcome to the show. Three all three 709 00:35:53.400 --> 00:35:58.000 seven one three talk seven one three eight two five five. 710 00:35:58.159 --> 00:36:01.400 What's on your mind today? We are here trying to 711 00:36:01.639 --> 00:36:04.320 solve problems, answer questions, take complaints, make your life a 712 00:36:04.360 --> 00:36:07.360 little easier. And we do have a question for Dan mackenzie. 713 00:36:07.400 --> 00:36:09.800 And then we have one more attorney we're trying. We 714 00:36:09.840 --> 00:36:11.800 couldn't get a hold of two attorneys that we have 715 00:36:11.920 --> 00:36:13.920 for family law. We're going to go to a third 716 00:36:13.920 --> 00:36:16.360 one to see we can get some advice and so 717 00:36:16.400 --> 00:36:20.559 hang in there, Jessica Jennifer as a landlord issue. But 718 00:36:20.599 --> 00:36:22.480 Henry wants to talk about Wilson Trust and we have 719 00:36:22.599 --> 00:36:27.400 with us today Dan Mackenzie, attorney at law, and he 720 00:36:27.760 --> 00:36:33.400 Mackenzie Law, and he does a state planning and you 721 00:36:33.440 --> 00:36:35.480 know what do you call it? What kind of law? 722 00:36:35.519 --> 00:36:41.519 It's a state planning basically, right, Okay, state planning, state administration. 723 00:36:41.599 --> 00:36:44.679 Go ahead, Henry, what is your question? Ahi? 724 00:36:45.079 --> 00:36:47.159 Well, first I want to say I've been listening to 725 00:36:47.239 --> 00:36:50.599 you for forty years. 726 00:36:49.880 --> 00:36:54.159 Okay, confirming that I'm an old fart. Thank you. 727 00:36:55.199 --> 00:36:58.000 Oh yeah, I couldn't confirm that because I've been listening 728 00:36:58.039 --> 00:36:59.400 to you for many years. 729 00:37:01.599 --> 00:37:02.400 So what's going on? 730 00:37:03.599 --> 00:37:07.440 Well, I have a lot of assets and I just 731 00:37:07.679 --> 00:37:12.199 don't know where to find an attorney or how because 732 00:37:12.239 --> 00:37:14.480 I need to set up a trust. I haven't set 733 00:37:14.559 --> 00:37:15.679 up anything anything. 734 00:37:15.800 --> 00:37:19.800 Okay, First of all, let's talk about your need and Dan, 735 00:37:20.320 --> 00:37:24.039 this is something by the way, as you know, I 736 00:37:24.079 --> 00:37:30.239 started that financial advisement firm and people before they even 737 00:37:30.280 --> 00:37:32.599 come to me for investment, I asked him about their state. 738 00:37:32.679 --> 00:37:35.159 You'd be shocked at how many people have done nothing. 739 00:37:35.760 --> 00:37:37.840 And I said, well, you need to do something there. 740 00:37:37.920 --> 00:37:41.840 That doesn't mean you you have to put money in it, 741 00:37:41.880 --> 00:37:45.239 but you have to have a plan. And then so 742 00:37:45.400 --> 00:37:50.199 his question I'm going to ask him, is this, what 743 00:37:51.239 --> 00:37:53.360 do you have that you think you need to estate 744 00:37:53.400 --> 00:37:56.400 plan for? Because some people need estate plan so everyone 745 00:37:56.480 --> 00:38:00.000 needs something a simple will most everyone, but you may not. 746 00:38:00.400 --> 00:38:02.880 It may not be that complicated. So let's talk about 747 00:38:02.920 --> 00:38:06.599 your overall situation. When you say you haven't set up anything. 748 00:38:06.960 --> 00:38:10.199 What is your situation? Are you working or retired? 749 00:38:12.360 --> 00:38:17.159 I am working and I'm a farmer. I own forum ground? 750 00:38:17.440 --> 00:38:19.000 I do you own? 751 00:38:19.039 --> 00:38:20.320 What? What did you say, foreman? 752 00:38:21.480 --> 00:38:23.920 Forum ground? I'm a farmer? 753 00:38:24.079 --> 00:38:27.599 I oh, a farmer. I'm sorry. Okay, so so listen 754 00:38:27.679 --> 00:38:30.199 man how much? Let me just ask you this. If 755 00:38:30.239 --> 00:38:33.719 you just in rough estimates, if you have all your assets, 756 00:38:34.159 --> 00:38:37.920 your farm, your land, whatever, you have some bank accounts, 757 00:38:37.960 --> 00:38:40.840 investment accounts, and then you have your debt, what is 758 00:38:41.000 --> 00:38:44.480 the net? What are what are you worth? So to speak? 759 00:38:46.199 --> 00:38:51.519 I would say around over like five and a half million, Okay, 760 00:38:51.840 --> 00:38:54.199 that would probably be a million and a half. 761 00:38:54.840 --> 00:38:59.000 But what kind of cash do you have as far 762 00:38:59.239 --> 00:39:04.760 as at risk? As far as that? Because the estate 763 00:39:04.840 --> 00:39:08.119 plan takes into consideration everything, and you do have to 764 00:39:08.159 --> 00:39:10.880 set something up if you have nothing, you don't even 765 00:39:10.920 --> 00:39:15.639 have a will? No? How much okay? Of that is 766 00:39:15.760 --> 00:39:17.840 most of that land and house and all that? Or 767 00:39:17.880 --> 00:39:20.440 do you have any kind of cash? 768 00:39:22.039 --> 00:39:22.960 I got no cash. 769 00:39:23.119 --> 00:39:25.840 I'm just just just. 770 00:39:27.400 --> 00:39:30.920 Use use the bank to operate the phone. 771 00:39:30.960 --> 00:39:35.800 Okay, okay, got it. Now upon your demise when you 772 00:39:35.920 --> 00:39:40.559 go on to heaven, are you going to do you 773 00:39:40.719 --> 00:39:42.920 believe your heirs will simply sell? 774 00:39:46.800 --> 00:39:50.559 They don't want to sell. They actually, my children actually 775 00:39:50.679 --> 00:39:52.880 want to hold on to the land. I would be 776 00:39:52.960 --> 00:39:54.280 the one I would like to sell. 777 00:39:54.599 --> 00:39:56.559 Do they want to hold on to the land for love? 778 00:39:56.679 --> 00:39:58.079 Or do they work the farm with you? 779 00:39:59.159 --> 00:39:59.280 Now? 780 00:39:59.440 --> 00:40:01.920 They or work the forum? It's just for the love. 781 00:40:02.840 --> 00:40:05.280 Well, that's ridiculous. Then how much land is it? 782 00:40:07.039 --> 00:40:10.119 Oh, it's a total about a little over six hundred acres. 783 00:40:10.440 --> 00:40:13.039 And where is it located? In general? Don't give me 784 00:40:13.079 --> 00:40:14.559 your address? Where is it in general? 785 00:40:15.199 --> 00:40:17.119 And in morgan Cony? 786 00:40:17.719 --> 00:40:21.400 Okay? Now does your farm make you money? Really make 787 00:40:21.480 --> 00:40:22.760 you money? Or do you feed it? 788 00:40:24.840 --> 00:40:27.800 I'm kind of just feeding that. It has only made 789 00:40:27.840 --> 00:40:30.480 me money. And what the assets have gone on that? Yeah? 790 00:40:31.239 --> 00:40:33.199 Yeah, But how do you live what I'm what I'm 791 00:40:33.199 --> 00:40:35.360 talking about. How do you get operating. 792 00:40:34.960 --> 00:40:39.400 Capital from the if I'm forming it? 793 00:40:40.039 --> 00:40:42.760 Some years, I do, I do well in some Okay. 794 00:40:43.880 --> 00:40:46.119 Even so, you do have a cushion in the bank. 795 00:40:46.239 --> 00:40:47.320 Or do you have a line of credit? 796 00:40:48.599 --> 00:40:49.760 I have a line of credit? 797 00:40:50.280 --> 00:40:52.679 Okay? And the line of credit goes up and down 798 00:40:52.760 --> 00:40:55.320 with your crops, right or? Or or are they crops 799 00:40:55.360 --> 00:41:00.360 I'm assuming? Or is it meat? Is it crops? What 800 00:41:00.559 --> 00:41:01.920 crops do you do you raise? 801 00:41:03.239 --> 00:41:04.199 I always do corn? 802 00:41:04.760 --> 00:41:06.559 And is it corn for feed or is it corn 803 00:41:06.639 --> 00:41:07.079 for people? 804 00:41:08.159 --> 00:41:08.800 It's for feed? 805 00:41:09.440 --> 00:41:13.840 Okay. So that operation either makes money or breaks even 806 00:41:14.000 --> 00:41:18.159 or loses a little, depending on the year exactly, and 807 00:41:18.320 --> 00:41:21.159 you operate it with the hopes of having the equity 808 00:41:21.639 --> 00:41:26.480 that the farm has appreciated with right, yeah, okay, so 809 00:41:26.599 --> 00:41:31.239 that's your situation. Now you mentioned did you mention your dad? 810 00:41:31.320 --> 00:41:34.519 Did I hear you mentioned your dad? No? 811 00:41:34.840 --> 00:41:36.920 Not my dad, No, My my parents are long. 812 00:41:37.519 --> 00:41:40.320 Okay. You said somebody has a million, and you had this, 813 00:41:40.519 --> 00:41:42.960 and somebody else has a million. I mean I thought 814 00:41:43.000 --> 00:41:44.599 you mentioned another person. You didn't. 815 00:41:45.760 --> 00:41:48.440 No, I just a million and a half death that 816 00:41:48.599 --> 00:41:48.960 I own. 817 00:41:50.480 --> 00:41:51.039 I got it. 818 00:41:52.079 --> 00:41:54.880 Yeah, And I have other assets than just the forum ground. 819 00:41:55.679 --> 00:41:58.679 Okay, are the other assets equipment? 820 00:42:00.559 --> 00:42:06.639 Yeah, equipment and oh just equipment. And I gotta. 821 00:42:08.880 --> 00:42:12.719 Now, what what is your desire right now? Henry? Right now? 822 00:42:12.840 --> 00:42:16.239 I think Dan McKenzie, I think he would have to 823 00:42:16.280 --> 00:42:19.159 be concerned with and again they can do anything they 824 00:42:19.239 --> 00:42:21.559 want with it, but his main concern is how to 825 00:42:21.679 --> 00:42:22.719 pass on that land? 826 00:42:22.840 --> 00:42:23.000 Right? 827 00:42:23.840 --> 00:42:25.880 Is that going to be the main deal? How to 828 00:42:26.000 --> 00:42:26.840 pass on the farm? 829 00:42:27.039 --> 00:42:27.239 Yeah? 830 00:42:27.440 --> 00:42:29.280 I mean who are you? Who are your heirs? 831 00:42:29.679 --> 00:42:32.920 Do you know that my children would be my heir? 832 00:42:33.079 --> 00:42:35.239 How many we have four children? 833 00:42:36.679 --> 00:42:39.679 And are they all in agreement? Are they greedy or 834 00:42:39.760 --> 00:42:41.639 do you think they're tell me about your kids? 835 00:42:43.239 --> 00:42:47.159 Well, they are all kind of set on me, wanting 836 00:42:47.239 --> 00:42:51.480 to keep the hold onto the land. At least I 837 00:42:51.599 --> 00:42:54.400 have land that has water rights that is much more 838 00:42:54.519 --> 00:42:57.639 valuable than I have some dry land, and the one 839 00:42:57.719 --> 00:43:00.760 that has water rights they really like to keep it by. 840 00:43:00.880 --> 00:43:04.679 At the same time, they have never done anything or 841 00:43:04.719 --> 00:43:07.599 they're not willing to worry about anything. So for that reason, 842 00:43:07.639 --> 00:43:08.000 I don't know. 843 00:43:09.400 --> 00:43:13.039 Can he Can he do a trust that orders everything 844 00:43:13.159 --> 00:43:15.679 for sale, but that doesn't give them a choice? 845 00:43:16.239 --> 00:43:16.559 You can? 846 00:43:16.920 --> 00:43:19.840 I mean, I I'm a little bit hesitant to do 847 00:43:19.960 --> 00:43:21.360 something like that because you just don't know what the 848 00:43:21.440 --> 00:43:22.840 market is going to be. Like, you could be ordering 849 00:43:22.880 --> 00:43:24.519 a sale in the middle of, you know, a crisis 850 00:43:24.599 --> 00:43:26.719 in the real estate market, for example, and it's just like. 851 00:43:26.880 --> 00:43:30.039 Well, how about a sale when when I don't know 852 00:43:30.119 --> 00:43:32.519 what I'm saying, is I see that he's going to 853 00:43:32.559 --> 00:43:34.679 have a lot of conflict here if he doesn't put 854 00:43:34.760 --> 00:43:35.320 some terms up. 855 00:43:35.719 --> 00:43:39.000 Throwing four kids into basically a business ownership together, and 856 00:43:39.159 --> 00:43:41.639 especially when they're now, especially farm and work it and 857 00:43:41.679 --> 00:43:43.280 all that kind of stuff is not going to work. 858 00:43:43.840 --> 00:43:44.639 That's not a good idea. 859 00:43:44.800 --> 00:43:47.320 But yeah, I mean you could have you could have 860 00:43:47.400 --> 00:43:49.639 a trustee or a personal representative. 861 00:43:49.960 --> 00:43:50.840 It could be one of them. 862 00:43:52.519 --> 00:43:54.280 Maybe it should be somebody else who can be a 863 00:43:54.280 --> 00:43:56.559 little bit more dispassionate, who can step in and figure 864 00:43:56.559 --> 00:43:58.360 out what is the best course of action here, because 865 00:43:58.400 --> 00:44:01.639 maybe some want it and some don't, maybe none of 866 00:44:01.679 --> 00:44:03.760 them want it. But somebody who can just get in 867 00:44:03.800 --> 00:44:05.840 there and neutraally figure it out. 868 00:44:05.960 --> 00:44:08.559 And now, remember, there's going to be a few things 869 00:44:08.599 --> 00:44:12.960 you have to know if you do it will for sure. 870 00:44:13.639 --> 00:44:16.639 Now when you die, they're going to inherit the debt. 871 00:44:17.079 --> 00:44:19.840 They're going to have to pay off that debt? Okay, 872 00:44:20.440 --> 00:44:23.599 that debt is you? I assume you have a first 873 00:44:23.679 --> 00:44:25.679 deed of trust against the farm? Is that right? 874 00:44:27.519 --> 00:44:30.559 Yeah, there's a Yeah, there is a deed of trust. 875 00:44:30.639 --> 00:44:33.400 You're like, we're a mortgage right right? Now? 876 00:44:33.920 --> 00:44:35.159 Do you do you? 877 00:44:35.599 --> 00:44:39.760 Let me ask you this. Do you have life insurance? I? 878 00:44:39.880 --> 00:44:41.679 Do we do? For how much? 879 00:44:43.119 --> 00:44:45.639 We both have a million dollar life insurance? 880 00:44:45.880 --> 00:44:47.800 Who's both you and your wife? 881 00:44:48.840 --> 00:44:49.039 Yes? 882 00:44:49.559 --> 00:44:49.880 Okay? 883 00:44:50.559 --> 00:44:53.880 And it will expire probably mine will probably expire within 884 00:44:54.039 --> 00:44:55.000 like ten years or so. 885 00:44:55.760 --> 00:44:56.800 Is it term insurance? 886 00:44:57.679 --> 00:44:58.239 Is it term? 887 00:44:59.000 --> 00:44:59.360 Okay? 888 00:44:59.519 --> 00:44:59.679 Yes? 889 00:45:00.320 --> 00:45:05.000 Okay? Now, Dan, what your advice would be? A will 890 00:45:05.079 --> 00:45:08.639 for sure? And then he'd have to think about a trust. 891 00:45:09.280 --> 00:45:11.639 And if I was him in this can, I would 892 00:45:11.719 --> 00:45:13.719 do a trust with a trustee I know, and trust 893 00:45:14.360 --> 00:45:19.000 to do the right thing, because I just think your 894 00:45:19.079 --> 00:45:20.400 kids are not going to be able to come to 895 00:45:20.480 --> 00:45:22.679 an agreement on what to do with the land. Is 896 00:45:22.719 --> 00:45:25.519 that land truly worth about four million? Five million? Did 897 00:45:25.559 --> 00:45:25.840 you say? 898 00:45:27.440 --> 00:45:31.760 Yeah? That's what some of the Atlanta's worth A minimum 899 00:45:31.880 --> 00:45:33.880 twelve thousand of acre, that's what it? 900 00:45:34.599 --> 00:45:35.639 Would people buy it? 901 00:45:35.719 --> 00:45:35.880 Then? 902 00:45:36.239 --> 00:45:37.400 Are people going to buy it? 903 00:45:38.199 --> 00:45:38.400 Yeah? 904 00:45:38.639 --> 00:45:41.280 Yeah, Okay, it's an area where it sounds really good. 905 00:45:41.800 --> 00:45:45.320 Can I ask you something silly? Have you ever considered 906 00:45:45.519 --> 00:45:46.400 how old are you right now? 907 00:45:47.760 --> 00:45:48.280 Sixty two? 908 00:45:49.000 --> 00:45:53.079 Okay, you're pretty young. Have you ever considered selling before 909 00:45:53.159 --> 00:45:56.519 you die and just taking the money and then doing 910 00:45:56.599 --> 00:45:59.159 a trust and some planning with the money. 911 00:46:00.679 --> 00:46:01.360 I would do it. 912 00:46:01.639 --> 00:46:05.239 I would like to do exactly that. I'm having a 913 00:46:06.039 --> 00:46:08.880 conflict with my wife. My wife is on the children's side. 914 00:46:08.920 --> 00:46:12.599 She doesn't want that. She wants to leave the land 915 00:46:12.679 --> 00:46:14.519 for the children and at least. 916 00:46:14.920 --> 00:46:17.559 And uh wait wait, lease it to someone else to 917 00:46:17.679 --> 00:46:18.519 create income. 918 00:46:20.159 --> 00:46:23.920 No, it's income. We could never get off it as 919 00:46:23.920 --> 00:46:24.880 long as I own mind. 920 00:46:24.920 --> 00:46:27.480 No, No, I mean as far as you said leasing it. 921 00:46:28.039 --> 00:46:32.639 So so does your wife want o leave it? 922 00:46:33.159 --> 00:46:33.599 Leave it? 923 00:46:34.079 --> 00:46:37.840 But okay, but does your wife figure do you do? 924 00:46:38.400 --> 00:46:40.519 What about if you want to just retire and you 925 00:46:40.599 --> 00:46:42.320 want to take it a little easy, and you want 926 00:46:42.360 --> 00:46:45.440 to maybe have a small annuity and some other money 927 00:46:45.559 --> 00:46:48.440 somewhere else and for your kids and trust for your kids. 928 00:46:48.480 --> 00:46:50.880 I mean, she doesn't think that's a good idea. 929 00:46:52.000 --> 00:46:53.519 No, that's exactly what I want. 930 00:46:53.639 --> 00:46:54.519 She does not want that. 931 00:46:54.719 --> 00:46:57.119 Well, who's the boss? And I mean this sincerely, who's 932 00:46:57.239 --> 00:47:01.360 the boss legally in writing? Does she own have she. 933 00:47:01.480 --> 00:47:05.840 Owns house, She's on everything, So would. 934 00:47:05.679 --> 00:47:10.159 She oppose you doing it completely? I mean literally not 935 00:47:10.400 --> 00:47:16.559 go along with it? To it? So she wants you 936 00:47:16.639 --> 00:47:20.960 to work till you die because really you're going to 937 00:47:21.039 --> 00:47:24.440 have to because the land doesn't produce. You know, what 938 00:47:24.519 --> 00:47:27.039 I'm saying is without you working it, you're not going 939 00:47:27.119 --> 00:47:31.960 to have income. No, and Social Security isn't going to 940 00:47:32.119 --> 00:47:35.599 pay the debt service. So does she just want you 941 00:47:35.760 --> 00:47:39.880 to work until you, you know, buy the farm. 942 00:47:40.159 --> 00:47:43.039 I don't think she really wants to, but I think 943 00:47:43.119 --> 00:47:45.920 she sees that there's an option in that. In my opinion, 944 00:47:45.960 --> 00:47:46.400 there isn't. 945 00:47:47.480 --> 00:47:49.920 Well what option does she see? I mean, does she 946 00:47:50.079 --> 00:47:54.800 know reality? Like you're the one creating income. Equity without 947 00:47:54.840 --> 00:47:58.559 income is nothing, Equity without cash flow is just equity. 948 00:47:59.400 --> 00:48:03.599 And and if you sit there, there's a chance literally 949 00:48:03.719 --> 00:48:07.119 you and your wife could lose by not having the 950 00:48:07.199 --> 00:48:09.000 wherewithal to pay off that debt. 951 00:48:10.920 --> 00:48:13.440 I've been bringing them out across her many times. 952 00:48:14.679 --> 00:48:17.920 Well, she's got is she She's not stupid? And I'm 953 00:48:18.079 --> 00:48:20.360 asking out of respect. She's not stupid, is she? 954 00:48:21.719 --> 00:48:22.440 No, she's not. 955 00:48:22.719 --> 00:48:23.119 She's just. 956 00:48:24.960 --> 00:48:27.000 Just seeing it one way I guess. 957 00:48:28.679 --> 00:48:32.840 Because you got to look at reality and you have 958 00:48:33.000 --> 00:48:36.719 to see that the land in and of itself is valuable, 959 00:48:37.079 --> 00:48:40.159 but it's not valuable if you can't pay the debt service. 960 00:48:40.599 --> 00:48:43.320 In fact, you're gonna end up losing it if you 961 00:48:43.400 --> 00:48:46.039 don't work it. And if you work it, you're gonna 962 00:48:46.159 --> 00:48:48.079 you have to work until you leave it to your kids. 963 00:48:48.119 --> 00:48:51.559 So you're you're working right now for nothing more than 964 00:48:51.679 --> 00:48:54.880 leaving that to your kids. And then they're gonna have 965 00:48:54.960 --> 00:48:56.719 to pay it off. And and how do they think 966 00:48:56.760 --> 00:48:58.719 they're gonna pay it off? So let's say you die 967 00:48:58.760 --> 00:49:00.960 in a few years and you'll a million. Let's say 968 00:49:01.000 --> 00:49:03.039 you die in many years, but you still owe a 969 00:49:03.079 --> 00:49:05.719 million bucks. It's gonna take a long time to pay 970 00:49:05.760 --> 00:49:07.039 off a million and a half. So let's say you 971 00:49:07.119 --> 00:49:09.639 owe a million bucks. How are they going to pay 972 00:49:09.679 --> 00:49:12.039 that off? Are they going to sell enough land to 973 00:49:12.079 --> 00:49:12.559 pay it off? 974 00:49:13.599 --> 00:49:15.719 That's what they would have to do. Either that or 975 00:49:15.760 --> 00:49:17.800 they would have to they don't have a good job. 976 00:49:17.880 --> 00:49:20.599 Either that or they would have to make payments on 977 00:49:20.679 --> 00:49:22.519 their jobs and tell it would be paid off. 978 00:49:23.320 --> 00:49:26.239 But they can't. They got to refinance it. They don't 979 00:49:26.280 --> 00:49:29.280 get to take over your loan. See, your wife doesn't 980 00:49:29.360 --> 00:49:35.000 understand this stuff exactly. So I mean, it's all well 981 00:49:35.039 --> 00:49:36.559 and good that you're calling, you want to talk to 982 00:49:36.679 --> 00:49:40.440 Dan McKenzie and all that, but really you better plan. 983 00:49:40.639 --> 00:49:43.760 Beyond planning. You have to plan for your demise and 984 00:49:43.880 --> 00:49:46.079 what to do with this stuff. But you're not thinking 985 00:49:46.119 --> 00:49:48.960 of the time between now and the time you die. 986 00:49:49.800 --> 00:49:52.719 You're not thinking about the practicality, and either is your wife. 987 00:49:52.960 --> 00:49:55.760 I mean, even you can sell enough, even you can 988 00:49:55.880 --> 00:49:59.480 sell enough to possibly pay off the loan and then 989 00:49:59.599 --> 00:50:02.239 keep the rest, then all you have to worry about 990 00:50:02.239 --> 00:50:04.239 our taxes and you won't have to work as hard. 991 00:50:04.760 --> 00:50:07.760 But you're going to be working basically the rest of 992 00:50:07.840 --> 00:50:11.000 your life because the land doesn't give you a pension 993 00:50:11.119 --> 00:50:12.000 for being the farmer. 994 00:50:13.880 --> 00:50:17.679 Well, I see that. I realize that it's my other 995 00:50:17.760 --> 00:50:19.079 house that has not realize it. 996 00:50:19.559 --> 00:50:21.639 Well, what if your other have talked to an attorney 997 00:50:22.000 --> 00:50:24.239 who knows about it and they I'm not saying that 998 00:50:24.360 --> 00:50:26.840 they would, you know, force themselves on you, But if 999 00:50:26.840 --> 00:50:29.840 you did a state planning an attorney asked questions, is 1000 00:50:29.960 --> 00:50:31.960 she wise enough to see, well, wait a minute, he 1001 00:50:32.039 --> 00:50:34.639 is getting older and eventually we have to make a plan. 1002 00:50:35.000 --> 00:50:36.440 Do any of your kids want to work it? 1003 00:50:38.119 --> 00:50:38.159 No? 1004 00:50:38.800 --> 00:50:40.840 And that's why I, Paul, I think I would like 1005 00:50:40.920 --> 00:50:44.360 to sometime when her sits down with an attorney and 1006 00:50:44.639 --> 00:50:46.239 have an attorney explained. 1007 00:50:45.920 --> 00:50:50.519 That to her. Okay, I'll tell you what just you 1008 00:50:51.119 --> 00:50:53.679 that that's a good idea. You leave. You know, you 1009 00:50:54.039 --> 00:50:55.880 you go to Dan mackenzie and talk to him for 1010 00:50:56.280 --> 00:51:01.079 a consultation. Okay, now, listen like that, you should and 1011 00:51:01.239 --> 00:51:07.480 you should talk to your You should contact Dan good 1012 00:51:07.639 --> 00:51:11.679 his number, give him your local number three oh three, 1013 00:51:12.119 --> 00:51:16.280 five seven eight two seven four or five five seven 1014 00:51:16.320 --> 00:51:20.519 eight two seven four or five. All right, we'll get 1015 00:51:20.559 --> 00:51:25.079 a door and do me a favor. Leave your information 1016 00:51:26.079 --> 00:51:30.000 with Kelly as well for him, because listen, man, I 1017 00:51:30.199 --> 00:51:33.679 feel here's what I feel. You need to worry about you, bro. 1018 00:51:33.920 --> 00:51:36.880 You need to worry about you and and and I'm 1019 00:51:36.960 --> 00:51:39.639 not suggesting. Look look at I'm not trying to talk 1020 00:51:39.719 --> 00:51:43.239 into anything. But you are sixty two. That's okay. You 1021 00:51:43.320 --> 00:51:45.480 can probably go another ten years if you want, if 1022 00:51:45.559 --> 00:51:51.000 you want. But eventually the farm does not say good job, 1023 00:51:51.719 --> 00:51:55.960 good job, and take it easy now and then I'll 1024 00:51:56.079 --> 00:51:59.360 wait around for your kids. They're not going to do that. Henry, 1025 00:51:59.639 --> 00:52:02.079 You're going to be left high and dry, and at 1026 00:52:02.119 --> 00:52:05.559 that time it'll be even harder to plan. That's why 1027 00:52:05.639 --> 00:52:10.199 you do it earlier, Kaschina get his information. You can 1028 00:52:10.280 --> 00:52:12.079 ask that question on the way back. I am so 1029 00:52:12.280 --> 00:52:14.239 overtime right now. Three oh three seven one three eight 1030 00:52:14.239 --> 00:52:21.400 two five to five. Go with a sure thing Denver's 1031 00:52:21.480 --> 00:52:24.320 best roofer Excel Roofing dot com. You don't pay a 1032 00:52:24.440 --> 00:52:30.880 cent until you're content. Time for an insurance check up free, 1033 00:52:31.000 --> 00:52:34.679 no obligation. In comparison, call Compass Insurance paying too much 1034 00:52:34.840 --> 00:52:37.760 your coverage at dozens of insurance companies find out now 1035 00:52:37.880 --> 00:52:40.119 three oh three seven to seven to one. Help. You'll 1036 00:52:40.159 --> 00:52:42.920 think you're his only customer when you choose Frank durand 1037 00:52:42.920 --> 00:52:45.320 the real estate Man dot com to list your home 1038 00:52:45.599 --> 00:52:48.719 with Remax Alliance three oh three nine two zero sixteen 1039 00:52:48.800 --> 00:52:58.199 twenty two. Hi Tom Martino here, three oh three seven 1040 00:52:58.280 --> 00:52:59.960 one three talk seven one three eight two four. 1041 00:53:01.480 --> 00:53:01.840 All right. 1042 00:53:02.000 --> 00:53:05.920 So, one other thing that Deputy D brought up on 1043 00:53:06.039 --> 00:53:10.360 that last call that we should talk about is that 1044 00:53:10.679 --> 00:53:14.679 debt he has can go up or down based on 1045 00:53:14.880 --> 00:53:17.239 his years, so he could end up actually owing more, 1046 00:53:18.679 --> 00:53:22.679 owing a little less. Whatever. It's really a bad situation. 1047 00:53:23.280 --> 00:53:26.760 He's got a job right now, he doesn't have wealth. 1048 00:53:28.320 --> 00:53:30.559 His kids will have wealth if they sell and divide 1049 00:53:30.599 --> 00:53:32.480 the money. But they say they want to keep the land. 1050 00:53:33.039 --> 00:53:34.960 Do you know how many I want to ask Dan 1051 00:53:35.039 --> 00:53:39.119 McKenzie this real quick, Dan, how many families have you 1052 00:53:39.199 --> 00:53:44.880 seen that make decisions out of emotion that you see 1053 00:53:45.000 --> 00:53:47.719 are dead wrong? And I don't know how else to 1054 00:53:47.760 --> 00:53:50.440 put it. How often have you seen that? 1055 00:53:51.079 --> 00:53:53.840 I mean, I think that's the problem with estate planning 1056 00:53:53.960 --> 00:53:56.159 in general, is it's very driven by emotion. 1057 00:53:56.400 --> 00:53:57.719 You see that in family law too. 1058 00:53:57.880 --> 00:53:59.760 You know, when you've got two businesses, touing each other 1059 00:54:00.079 --> 00:54:02.360 can be a little bit more of a business decision. 1060 00:54:03.079 --> 00:54:06.079 But there's just stuff like you know, people have sentimental attachment, 1061 00:54:06.199 --> 00:54:08.320 si sentemon attachment to the parents. 1062 00:54:08.559 --> 00:54:10.159 You know, it's just really hard to get over that. 1063 00:54:10.360 --> 00:54:14.400 And they're decisions. They're not necessarily wise, that's right. Yeah, 1064 00:54:14.559 --> 00:54:16.800 And so oh, we want to keep the land. I've 1065 00:54:16.840 --> 00:54:19.159 seen people want to keep land and go broke and 1066 00:54:19.239 --> 00:54:22.000 they here's what I found One time. I saw a 1067 00:54:22.039 --> 00:54:24.639 guy one time that inherited some stuff from his dad, 1068 00:54:24.760 --> 00:54:28.000 some property. He had such an emotional attachment to the 1069 00:54:28.039 --> 00:54:31.159 property he kept, but he had no way to support it. 1070 00:54:31.559 --> 00:54:34.239 So what he would do is when it went up inequity, 1071 00:54:34.519 --> 00:54:37.239 he would borrow. Then he would use that money to 1072 00:54:37.320 --> 00:54:40.679 make payments on the loan. And he kept doing that, 1073 00:54:40.840 --> 00:54:44.440 and I said, you understand, you are spiraling to nowhere. 1074 00:54:45.440 --> 00:54:48.519 And eventually, guess what happened. He owed so much he 1075 00:54:48.559 --> 00:54:52.199 could no longer pull money out. And he said, I 1076 00:54:52.280 --> 00:54:55.039 lost the building. I said, no, you didn't. You sold 1077 00:54:55.079 --> 00:54:59.159 it over time. Yeah, you know what I mean. They 1078 00:54:59.239 --> 00:55:02.239 took the building and he walked away. He got paid 1079 00:55:02.280 --> 00:55:05.920 every penny on that building. Maybe that addressed his need 1080 00:55:06.039 --> 00:55:08.239 with hout the guilt. That's a good way to do 1081 00:55:08.320 --> 00:55:12.360 it anyway. Three three seven one, three eight two five five. Look, 1082 00:55:13.280 --> 00:55:15.840 I'm telling you you'd be shocked at what we come 1083 00:55:15.880 --> 00:55:19.960 across with people when it comes to their finances and 1084 00:55:20.039 --> 00:55:22.440 their investments. I mean, there have been a number of 1085 00:55:22.480 --> 00:55:26.559 people I told you have no business investing money. Literally, 1086 00:55:27.119 --> 00:55:28.840 you know your house is not in order. 1087 00:55:29.199 --> 00:55:29.320 Now. 1088 00:55:29.400 --> 00:55:31.679 I don't mean I'm going to preach to him, but God, 1089 00:55:31.800 --> 00:55:34.119 I mean, you know, and this is some of the 1090 00:55:34.679 --> 00:55:38.840 the moral issues I come up against with people that 1091 00:55:40.320 --> 00:55:43.519 their financial advisors should have told them or their insurance, 1092 00:55:43.599 --> 00:55:46.880 salesman or annuity. You don't need this. What you need 1093 00:55:47.320 --> 00:55:50.079 is to pay off that high interest debt first, or 1094 00:55:50.159 --> 00:55:53.119 you need to make sure you have shelter, or you 1095 00:55:53.280 --> 00:55:57.119 can't work until you're eighty. This is what people need 1096 00:55:57.320 --> 00:56:02.679 sometimes they need a good, hard dose of truth. Now, 1097 00:56:05.400 --> 00:56:08.119 hang on, Jessica, we're still trying to get an attorney. Okay, 1098 00:56:08.199 --> 00:56:11.880 hang on, let's talk to Jennifer. Jennifer, what's going on 1099 00:56:12.000 --> 00:56:14.679 with their tenant landlord issue? What's happening? Are you the 1100 00:56:14.920 --> 00:56:16.199 tenant or the landlord? 1101 00:56:17.119 --> 00:56:17.960 I'm the tenant. 1102 00:56:18.599 --> 00:56:20.880 What's going on? So? 1103 00:56:21.559 --> 00:56:24.360 I moved in this house maybe about a year ago, 1104 00:56:24.679 --> 00:56:27.360 and since we've moved in, we've had all types of 1105 00:56:27.480 --> 00:56:32.719 crazy floods, floods, the sewer line back up. 1106 00:56:32.760 --> 00:56:35.760 Oh no, is this a house? Is this a house? 1107 00:56:35.960 --> 00:56:36.159 House? 1108 00:56:36.760 --> 00:56:39.360 Okay? So you moved in a year ago into a 1109 00:56:39.440 --> 00:56:45.360 single family house. And when was your first back sewer backup? 1110 00:56:46.800 --> 00:56:50.639 February? I moved in in November. My first sewer backup 1111 00:56:50.760 --> 00:56:51.519 was in February. 1112 00:56:52.880 --> 00:56:56.280 Okay, So November of twenty three, and then you had 1113 00:56:56.360 --> 00:57:00.599 a backup in February? Okay? And what did the landlord do? 1114 00:57:01.880 --> 00:57:04.760 It took them five months, Steven's figure out what it was. 1115 00:57:04.840 --> 00:57:05.840 They didn't do anything. 1116 00:57:06.719 --> 00:57:08.639 Well, hold on, wait, wait, wait wait, they must have 1117 00:57:08.719 --> 00:57:10.760 sent a crew to clean up the stuff come up. 1118 00:57:10.880 --> 00:57:14.480 Well, they they did, and then we were still living 1119 00:57:14.599 --> 00:57:16.519 in the home. So they were like, as long as 1120 00:57:16.559 --> 00:57:19.039 you're living here, it's no point of cleaning. So it 1121 00:57:19.079 --> 00:57:21.079 got to a points of where they stopped cleaning it 1122 00:57:21.280 --> 00:57:24.400 up altogether because they were as long as you're staying. 1123 00:57:24.199 --> 00:57:26.039 Stop cleaning it up. What do you mean, like, like, 1124 00:57:26.239 --> 00:57:29.800 when when that's the sewage backed up? What did they 1125 00:57:29.880 --> 00:57:33.039 do about? They left it in the basement. 1126 00:57:33.519 --> 00:57:35.400 And we cleaned it up ourselves. 1127 00:57:35.800 --> 00:57:39.119 Oh no, no, no, no, no, why are you still there? 1128 00:57:40.719 --> 00:57:44.199 So I'm I'm actually supposed to be moving out, but 1129 00:57:44.440 --> 00:57:46.880 I don't have So this is my third house that 1130 00:57:46.960 --> 00:57:49.000 I've been in that's been in this type of condition 1131 00:57:49.159 --> 00:57:50.840 to where I just have to get up and go. 1132 00:57:51.559 --> 00:57:54.480 And I'm a mother and I have five kids that 1133 00:57:54.599 --> 00:57:56.000 live in my house regularly. 1134 00:57:57.280 --> 00:58:01.079 Jennifer, are these five kids your biological children? Yes? All 1135 00:58:01.119 --> 00:58:04.639 of these are my biological Okay, now, Jennifer, oh go ahead, 1136 00:58:04.719 --> 00:58:05.760 you have one that will. 1137 00:58:06.000 --> 00:58:08.400 I have one that's not in the home. Because this 1138 00:58:08.679 --> 00:58:10.480 was an issue that starts. 1139 00:58:10.559 --> 00:58:13.800 So we have a custody issue because I've been so unstable, 1140 00:58:14.320 --> 00:58:16.920 it is an issue with school for the kids. 1141 00:58:17.639 --> 00:58:19.760 So I have a custody case going on. 1142 00:58:20.000 --> 00:58:22.400 So I have another kid that's supposed to be doing 1143 00:58:22.519 --> 00:58:25.320 therapy in home, but we can't bring him home because 1144 00:58:25.360 --> 00:58:26.920 he has asthma in the house. 1145 00:58:26.960 --> 00:58:28.039 You turn sets back to me. 1146 00:58:28.159 --> 00:58:31.239 Hey, Jennifer, Jennifer, I want one thing at a time. 1147 00:58:31.320 --> 00:58:34.039 Let's talk about this house. So you're living in this house. 1148 00:58:34.440 --> 00:58:38.440 This had continual sewer backups. Now the landlord doesn't blame 1149 00:58:38.519 --> 00:58:42.440 you for those, does he No? Okay, but they don't 1150 00:58:42.480 --> 00:58:46.440 attend to it. So now you're finding this situation unbearable. 1151 00:58:47.039 --> 00:58:50.559 And how long is your lead? By the way, just 1152 00:58:50.639 --> 00:58:53.480 tell me this because this would complicate things. Have you 1153 00:58:53.599 --> 00:58:58.360 withheld rent? No, you've been paying your rent on time 1154 00:58:58.559 --> 00:59:03.239 every time. Yes, And that landlord still has not had 1155 00:59:03.280 --> 00:59:06.480 the decency to do a good clean of that house. 1156 00:59:07.880 --> 00:59:15.000 No, and we've so we're on housing also, So we've 1157 00:59:15.079 --> 00:59:17.840 gotten housing. So it's sailed all the inspections. 1158 00:59:18.519 --> 00:59:20.559 Now we're having leaks. 1159 00:59:20.280 --> 00:59:22.960 From the ciling, and the still rooms have been cut 1160 00:59:23.000 --> 00:59:24.119 out or have fell out. 1161 00:59:24.480 --> 00:59:25.960 Well, what do you say? What do you want us, 1162 00:59:26.440 --> 00:59:28.239 and I mean this sincerely. What do you want us 1163 00:59:28.280 --> 00:59:30.000 to do? When you called us? Do you want to 1164 00:59:30.039 --> 00:59:32.079 get out of the lease? Do you want someone to 1165 00:59:32.159 --> 00:59:34.480 call this landlord? Oh it sounds to me like landlord 1166 00:59:34.519 --> 00:59:36.360 doesn't give it. Damn no. 1167 00:59:36.599 --> 00:59:39.519 So this is a corporation okay, but. 1168 00:59:39.679 --> 00:59:41.559 It's still a landlord. I don't think they care. 1169 00:59:42.639 --> 00:59:43.280 No, they don't. 1170 00:59:43.679 --> 00:59:48.760 What's the name of the corporation, Main Street Renewal, Main 1171 00:59:48.840 --> 00:59:55.800 Street Renewal. They're located in Texas, their main office. But 1172 00:59:55.960 --> 00:59:59.119 every time you call, it's like everything is like third party. 1173 00:59:59.320 --> 01:00:02.280 So when you you get a call center, when they 1174 01:00:02.639 --> 01:00:04.920 send somebody out, they have to like do a bid. 1175 01:00:05.960 --> 01:00:08.840 And I know, yeah, I know. It's a big, big, 1176 01:00:09.000 --> 01:00:12.880 giant company. Listen, what do you want. 1177 01:00:14.360 --> 01:00:17.159 I'm ready to move. I need some help moving out. 1178 01:00:18.079 --> 01:00:18.960 Okay, ready to go? 1179 01:00:19.760 --> 01:00:21.800 And are they gonna fight you? When is your lise up? 1180 01:00:23.360 --> 01:00:25.280 I just actually renew to lease. 1181 01:00:26.559 --> 01:00:29.599 But do you think do you think they'll let you out? 1182 01:00:29.599 --> 01:00:31.559 Because I think you have grounds? Do you think they'll 1183 01:00:31.639 --> 01:00:36.519 let you out voluntarily? Okay, I don't know. Well let's 1184 01:00:36.559 --> 01:00:39.320 start there. Let's start there trying to figure out do 1185 01:00:39.360 --> 01:00:40.519 you have a deposit with them? 1186 01:00:41.519 --> 01:00:42.199 Yes, I do. 1187 01:00:42.840 --> 01:00:48.559 Okay, I Chopper, what about you? I'm ready for something. Okay, 1188 01:00:48.639 --> 01:00:52.280 let's let's talk to this landlord, this corporation, man, this woman. 1189 01:00:52.440 --> 01:00:55.800 This This is bull crap and I mean or people crap, 1190 01:00:55.840 --> 01:00:57.199 however you want to look at it. But this is 1191 01:00:57.440 --> 01:01:01.000 these continual sore backups. If everything she's telling us and true, 1192 01:01:01.079 --> 01:01:03.599 she's been paying her rent, she has sewer backups. They're 1193 01:01:03.639 --> 01:01:05.880 not cleaning it. She needs to get out of there. 1194 01:01:06.199 --> 01:01:07.599 They need to let her out of the lease and 1195 01:01:07.679 --> 01:01:10.239 give her her deposits so she can move on. Hang on, 1196 01:01:10.440 --> 01:01:13.679 Jennifer M. Chopper, let me know how that goes. We 1197 01:01:14.000 --> 01:01:15.880 got to do something about it. If you run again, 1198 01:01:16.159 --> 01:01:18.199 do me a favor, though, Chopper, this is really important. 1199 01:01:18.199 --> 01:01:20.880 So if you run up against a broadblock, let us 1200 01:01:20.960 --> 01:01:28.039 know I will. We have more coming right up. Go 1201 01:01:28.199 --> 01:01:31.800 with a sure thing Denver's Best roofer Excel roofing dot com. 1202 01:01:31.960 --> 01:01:37.679 You don't pay a cent until you're content. Time for 1203 01:01:37.760 --> 01:01:40.880 an insurance check up free, no obligation. In comparison, call 1204 01:01:41.039 --> 01:01:44.280 Compass Insurance paying too much your coverage at dozens of 1205 01:01:44.360 --> 01:01:47.039 insurance companies find out now three O three seven to 1206 01:01:47.079 --> 01:01:49.880 seven to one. Help you'll think you're his only customer 1207 01:01:49.920 --> 01:01:52.119 when you choose Frank durand the real estate man dot 1208 01:01:52.239 --> 01:01:55.719 Com to list your home with Remax Alliance three three 1209 01:01:55.840 --> 01:02:00.079 nine two zero sixteen twenty two. Tom Martinez, you know 1210 01:02:00.119 --> 01:02:04.039 your troubleshooter. Okay, I want to just Oh, we got 1211 01:02:04.079 --> 01:02:08.280 a lot going on here. We got Jennifer assigned to 1212 01:02:08.719 --> 01:02:12.719 deputy Chopper, and Chopper I'm gonna text you a synopsis there, 1213 01:02:13.400 --> 01:02:15.920 and I want to say that I want to go 1214 01:02:16.039 --> 01:02:19.519 back though to Jessica. Jessica, we have an attorney that 1215 01:02:19.880 --> 01:02:22.440 wants to he's retired and we want to talk to 1216 01:02:22.519 --> 01:02:26.039 him on Thursday and get you some information. But one 1217 01:02:26.079 --> 01:02:28.280 thing I didn't ask and I did get your story. 1218 01:02:28.599 --> 01:02:32.480 And for those listening, she lives in Illinois, an alcoholic 1219 01:02:32.559 --> 01:02:36.119 in recovery. Husband kicked her out in twenty fifteen, filed 1220 01:02:36.159 --> 01:02:40.000 for divorce. She did not show up for the final hearing. 1221 01:02:41.199 --> 01:02:44.760 Ex husband got a default judge judgment. Kids are now 1222 01:02:44.800 --> 01:02:47.320 eleven and thirteen. What do you want today? What is 1223 01:02:47.360 --> 01:02:49.800 the issue that you called about? You said your dad 1224 01:02:49.880 --> 01:02:52.440 thought we could help, but what is the actual issue 1225 01:02:52.480 --> 01:02:53.039 at this point? 1226 01:02:54.559 --> 01:02:57.960 Yes, mister Martinez, I need to get an attorney and 1227 01:02:58.039 --> 01:02:59.639 I don't have any money. 1228 01:03:00.000 --> 01:03:02.360 What is the issue? No, no, no, you didn't answer 1229 01:03:02.400 --> 01:03:04.400 my question. What is the issue? 1230 01:03:04.599 --> 01:03:05.159 See the kid? 1231 01:03:05.559 --> 01:03:07.000 Okay, even though. 1232 01:03:06.840 --> 01:03:09.559 I got a schedule, he not only that, but he's 1233 01:03:09.559 --> 01:03:14.000 subpoenas recruiters and local venders just to see if I'm 1234 01:03:14.119 --> 01:03:15.239 purchasing alcohol. 1235 01:03:15.519 --> 01:03:18.760 He's out of control. I also think a lot of 1236 01:03:18.800 --> 01:03:21.719 your listeners are moms like me who've been in a 1237 01:03:21.840 --> 01:03:22.719 divorce with someone. 1238 01:03:22.559 --> 01:03:25.840 Who's gotten narcissistic tendency. And it's really hard to get 1239 01:03:25.880 --> 01:03:26.880 the court system. 1240 01:03:26.800 --> 01:03:28.880 In any state to recognize that. 1241 01:03:29.320 --> 01:03:33.400 Actually, Jessica, Jessica, Jessica, Jessica, most of the times. I'm 1242 01:03:33.480 --> 01:03:36.400 serious when I tell you this most of the time. 1243 01:03:37.760 --> 01:03:40.639 And this is not against you. This is an observation 1244 01:03:40.840 --> 01:03:43.840 that I have over forty five years of listening to people, 1245 01:03:43.920 --> 01:03:47.320 and I'm going to tell you that courts bend over 1246 01:03:47.480 --> 01:03:52.440 backwards for biological parents, especially moms, and moms almost have 1247 01:03:52.599 --> 01:03:56.880 to be snorting meth at the courthouse steps to lose custody. 1248 01:03:57.440 --> 01:04:04.000 I'm saying that it is not easy to lose custody. Now, 1249 01:04:04.840 --> 01:04:07.440 having said that, I don't know what your situation is, 1250 01:04:07.960 --> 01:04:11.320 but I know one thing. If there is a standing 1251 01:04:11.519 --> 01:04:18.079 court order for revisitation and he's denying it. Is that 1252 01:04:18.599 --> 01:04:22.119 is that is he literally defying the court order for visitation? 1253 01:04:22.480 --> 01:04:22.639 Yes? 1254 01:04:22.960 --> 01:04:26.360 Oh, yes, so you actually have Wait a minute, your 1255 01:04:26.480 --> 01:04:29.960 your your you were your privileges were never taken away 1256 01:04:30.039 --> 01:04:33.599 or suspended for any reason. Right now, according to the court, 1257 01:04:33.679 --> 01:04:37.079 you have a right to see your children and he 1258 01:04:37.280 --> 01:04:41.519 is refusing to let you. Yeah, okay, now he is 1259 01:04:41.639 --> 01:04:44.639 going to say he's refusing to let you for their 1260 01:04:44.760 --> 01:04:48.159 safety and well being. Okay, that's going to be what No, 1261 01:04:48.320 --> 01:04:50.880 I know that, I know that, and that could be true. 1262 01:04:50.920 --> 01:04:53.239 I don't know you, right, it could be true. I'm saying, 1263 01:04:53.800 --> 01:04:58.079 so do you have you ever, here's what you need 1264 01:04:58.159 --> 01:05:01.119 to ask the court, and it's not going to be expensive. 1265 01:05:01.639 --> 01:05:05.119 You can literally write a letter to the judge. Write 1266 01:05:05.119 --> 01:05:09.480 a letter and say I can't afford an attorney and 1267 01:05:10.159 --> 01:05:13.599 my ex husband will not let me see the children 1268 01:05:13.719 --> 01:05:16.599 as ordered by the court. You reference your case number. 1269 01:05:16.880 --> 01:05:19.079 I'm not giving you legal advice. I'm telling you how 1270 01:05:19.159 --> 01:05:21.400 I would do it or what I would tell my 1271 01:05:21.559 --> 01:05:24.920 sister or brother. And then here's what you asked the judge. 1272 01:05:25.679 --> 01:05:32.519 I will voluntarily submit to periodic or regular yurin or 1273 01:05:32.599 --> 01:05:35.320 out whatever tests you need to take to prove to 1274 01:05:35.440 --> 01:05:41.079 the court that his allegations about you continuing your drinking 1275 01:05:41.360 --> 01:05:43.679 is false. That's if it is false. 1276 01:05:43.760 --> 01:05:46.239 Jessica, what are a couple of things Baron? 1277 01:05:46.280 --> 01:05:48.599 I perceive saying that number one, I've proven it with 1278 01:05:48.719 --> 01:05:51.199 multiple hairbolgical tests soberly seven years. 1279 01:05:51.280 --> 01:05:53.599 What I'm asking is, are you willing to go to 1280 01:05:54.119 --> 01:05:56.519 are you willing to do regularly? 1281 01:05:56.599 --> 01:06:00.400 Another level, the guarden that lightem in these cases gets involved. 1282 01:06:00.079 --> 01:06:02.400 And what do you have a guardian at LAM in 1283 01:06:02.519 --> 01:06:03.079 your case? 1284 01:06:03.719 --> 01:06:04.519 Test too? 1285 01:06:04.960 --> 01:06:06.559 Okay? Do you have one currently? 1286 01:06:07.360 --> 01:06:07.559 Yes? 1287 01:06:07.800 --> 01:06:09.239 And she has sided with him? 1288 01:06:09.760 --> 01:06:12.920 Well, there must be Listen. Why do you think she's 1289 01:06:12.960 --> 01:06:13.719 siding with him? 1290 01:06:14.719 --> 01:06:17.039 Because when I go to her and say my ex 1291 01:06:17.159 --> 01:06:19.800 husband who is an officer of the court, he's an attorney. 1292 01:06:19.840 --> 01:06:24.920 No, it's a course I'm asking you, Jessica, No, no, Jessica. Wait, Jessica, 1293 01:06:25.119 --> 01:06:30.400 there's multiple Jessica, Please please listen to me. Did you 1294 01:06:30.639 --> 01:06:34.079 ever tell the guardian at LTAM that you would be 1295 01:06:34.199 --> 01:06:37.760 willing to take regular tests for alcohol? 1296 01:06:38.800 --> 01:06:41.119 Yes, because they're not looking at it like an alcohol 1297 01:06:41.199 --> 01:06:44.400 case anymore. That transitioned it to now mom. 1298 01:06:44.320 --> 01:06:47.000 Might have a mental illness Okay, that's what they do 1299 01:06:47.159 --> 01:06:47.800 in these cases. 1300 01:06:47.840 --> 01:06:48.840 That's how I understand it. 1301 01:06:48.880 --> 01:06:52.719 That would they allow you to have supervised visits until 1302 01:06:52.800 --> 01:06:53.800 that can be determined. 1303 01:06:54.440 --> 01:06:55.840 I don't know why they would do that when I've 1304 01:06:55.840 --> 01:06:58.360 got access to my kids without supervising vitation. That seems 1305 01:06:58.360 --> 01:06:59.239 to be going backwards. 1306 01:06:59.679 --> 01:07:02.920 So it's never Here's what I'm saying. If they have 1307 01:07:03.000 --> 01:07:06.119 a guardian at LIGHTEM, and the guardian is siding with 1308 01:07:06.239 --> 01:07:09.519 your husband that you not see the children, the guardian 1309 01:07:09.599 --> 01:07:11.760 at LIGHTEM actually has the power to do that. So 1310 01:07:12.440 --> 01:07:15.239 are you sure the order him to not allow that? 1311 01:07:15.400 --> 01:07:18.639 She just doesn't interfere, right, she just doesn't help protect him. 1312 01:07:19.199 --> 01:07:23.760 But so she's never modified the child visitation she has. 1313 01:07:24.039 --> 01:07:27.679 She has reduced it without having any generation. 1314 01:07:28.079 --> 01:07:31.400 I don't, Jessica, I don't need your editorial. I need 1315 01:07:31.480 --> 01:07:33.719 to know what's going on to help you. I know 1316 01:07:34.000 --> 01:07:38.559 that you disagree with everything. I know that, but it 1317 01:07:38.840 --> 01:07:43.119 wastes time right now. So the question was the guardian 1318 01:07:43.159 --> 01:07:48.400 at LIGHTEM did modify your visitation? Yes? How much was 1319 01:07:48.480 --> 01:07:53.280 it reduced by one night? Oh that's all? Did she 1320 01:07:53.599 --> 01:07:57.480 order supervision? Okay? 1321 01:07:57.880 --> 01:08:00.920 All right, what I want you to do because I've been. 1322 01:08:01.360 --> 01:08:06.320 Okay again, I am not debating that with you, Jessica. 1323 01:08:06.800 --> 01:08:11.960 I'm not against you, Jessica, and I know you're against 1324 01:08:12.280 --> 01:08:16.359 everything that happened on the other side. I just want 1325 01:08:16.439 --> 01:08:18.840 to get through this so we can talk to our 1326 01:08:18.920 --> 01:08:22.239 attorney about it. Okay. So, so you're gonna hear from us. 1327 01:08:22.279 --> 01:08:25.039 We're gonna get them on on Thursday. Three oh three 1328 01:08:25.199 --> 01:08:34.000 seven one three eight two five five. Go with a 1329 01:08:34.119 --> 01:08:37.600 sure thing Denver's best roofer Excel Roofing dot com. You 1330 01:08:37.680 --> 01:08:43.439 don't pay a cent until you're content. Time for an 1331 01:08:43.479 --> 01:08:47.039 insurance check up free, no obligation. In comparison, call Compass 1332 01:08:47.159 --> 01:08:50.399 Insurance paying too much your coverage at dozens of insurance 1333 01:08:50.439 --> 01:08:52.960 companies find out now three oh three seven seven to 1334 01:08:53.000 --> 01:08:55.760 one help. You'll think you're his only customer when you 1335 01:08:55.880 --> 01:08:58.279 choose Frank durand the real estate Man dot com to 1336 01:08:58.399 --> 01:09:01.760 list your home with Remac Alliance three three nine two 1337 01:09:01.840 --> 01:09:11.560 zero sixteen twenty two. All right, I'm Tom Martino three 1338 01:09:11.840 --> 01:09:14.520 three seven one three talk Ryan. What's going on with 1339 01:09:14.720 --> 01:09:15.520 Elite Towing? 1340 01:09:17.960 --> 01:09:20.760 Hey, Yeah, I've been traveling for the past month and 1341 01:09:20.960 --> 01:09:23.119 when I got back, I noticed my car was not 1342 01:09:23.279 --> 01:09:24.079 in my neighborhood. 1343 01:09:24.119 --> 01:09:24.600 Parking lot. 1344 01:09:25.359 --> 01:09:27.359 So when you say what is a neighbor tell me 1345 01:09:27.479 --> 01:09:30.039 what a neighbor I need to I'm sorry to interrupt, 1346 01:09:30.039 --> 01:09:32.680 but I need to ask what is a neighborhood parking lot? 1347 01:09:34.560 --> 01:09:34.680 Oh? 1348 01:09:34.920 --> 01:09:37.239 Just I live in like a townhome community, and so 1349 01:09:37.359 --> 01:09:39.840 there's parking spots in front of all the garages, and 1350 01:09:39.920 --> 01:09:43.239 then there's like separate parking spots that are not assigned 1351 01:09:43.279 --> 01:09:44.479 to any particular unit. 1352 01:09:45.159 --> 01:09:47.399 Do you have an assigned parking space? 1353 01:09:49.880 --> 01:09:52.119 I have the one that's in front of my garage. 1354 01:09:52.800 --> 01:09:53.600 Is it assigned to you? 1355 01:09:55.159 --> 01:09:55.359 Yeah? 1356 01:09:55.840 --> 01:09:58.560 Okay? And is that where it was towed from? 1357 01:10:00.319 --> 01:10:03.279 No, it was it was in the unassigned focke. 1358 01:10:03.720 --> 01:10:10.520 And does your parking lot require permits? All right, hold 1359 01:10:10.600 --> 01:10:15.560 on a second, let's talk about this elite towing. We've 1360 01:10:15.640 --> 01:10:18.159 had other complaints. We'll see what's going on right after this. 1361 01:10:18.279 --> 01:10:19.560 You got to hang on. I'll come right back to 1362 01:10:19.600 --> 01:10:32.039 your promise. I'm Tom Martineau. Go with a sure thing 1363 01:10:32.159 --> 01:10:35.479 Denver's Best roofer Excel roofing dot com. You don't pay 1364 01:10:35.520 --> 01:10:41.319 a cent until you're content. Please time for an insurance 1365 01:10:41.439 --> 01:10:45.520 check up free, no obligation. Comparison call Compass Insurance paying 1366 01:10:45.600 --> 01:10:48.600 too much your coverage at dozens of insurance companies. Find 1367 01:10:48.640 --> 01:10:50.960 out now three O three seven to seven to one help. 1368 01:10:51.159 --> 01:10:53.800 You'll think you're his only customer when you choose Frank 1369 01:10:53.880 --> 01:10:56.279 durand the real estate man dot com to list your 1370 01:10:56.359 --> 01:10:59.880 home with Remax Alliance three three nine two zero sixteen 1371 01:11:00.039 --> 01:11:11.520 twenty two ripped up new need advice so you don't have. 1372 01:11:13.760 --> 01:11:14.520 Come running. 1373 01:11:14.760 --> 01:11:19.560 Just as fast as you can, Shooter's gonna help coming. 1374 01:11:19.960 --> 01:11:25.119 Man, this is the Troubleshooter Show. Now, Tom Martine. 1375 01:11:26.000 --> 01:11:28.840 Hey, I'm Tom Martino. I'll turn the camera back on 1376 01:11:29.000 --> 01:11:31.000 in a second. I don't know what the heck is 1377 01:11:31.119 --> 01:11:34.199 going on. I'm so tired of not working stuff anyway, 1378 01:11:34.600 --> 01:11:36.880 so I will. I promise I'm gonna turn it back 1379 01:11:36.960 --> 01:11:39.319 on in a minute. So if you're streaming you can 1380 01:11:39.399 --> 01:11:41.880 hear me. I'm still looking at your comments and all 1381 01:11:41.960 --> 01:11:44.239 that crap. I don't know what happened. But what I'm 1382 01:11:44.279 --> 01:11:48.760 gonna do is I'm going to uh take calls, and 1383 01:11:48.960 --> 01:11:51.840 I'm talking to streamers. By the way, my YouTube morns, 1384 01:11:51.840 --> 01:11:54.800 I'm not talking to my radio audience. Everything cool, We're here. 1385 01:11:55.319 --> 01:12:01.840 Ryan is Ryan? Is it Ryan? Or Rayana? Ryan? 1386 01:12:03.439 --> 01:12:03.640 Yeah? 1387 01:12:04.359 --> 01:12:09.960 Okay, that's an unusual name Ryan. Okay, so your car 1388 01:12:10.239 --> 01:12:13.680 was in an unassigned spot in a town home community, 1389 01:12:13.720 --> 01:12:16.439 but you live there, right, Yeah. 1390 01:12:16.279 --> 01:12:18.479 I live there, I'm attendant, I'm renting it, and I 1391 01:12:18.640 --> 01:12:22.960 assume you have a right to park there, right, correct? 1392 01:12:23.039 --> 01:12:26.399 Yeah, But do you have a right to park? I'm 1393 01:12:26.520 --> 01:12:28.319 just asking, souse. I don't know. Do you have a 1394 01:12:28.439 --> 01:12:32.479 right to park in the unassigned spots? 1395 01:12:34.439 --> 01:12:34.640 Yeah? 1396 01:12:34.680 --> 01:12:36.800 I mean, as far as i'm where, there's no specific 1397 01:12:36.960 --> 01:12:39.920 rules for those spots. I mean, you just can't park 1398 01:12:39.960 --> 01:12:42.479 in front of a garage that's not yours. Of course, 1399 01:12:43.239 --> 01:12:45.600 there's no kind of permit or any kind of restrictions 1400 01:12:45.640 --> 01:12:45.920 on those. 1401 01:12:46.119 --> 01:12:48.039 So you guys don't have anything you have to put 1402 01:12:48.039 --> 01:12:50.079 in the in the windshield or anything. 1403 01:12:51.000 --> 01:12:51.359 That's right. 1404 01:12:51.479 --> 01:12:54.479 Yeah. How long was your car there before it was 1405 01:12:54.560 --> 01:12:56.720 towed static not moved? 1406 01:12:58.239 --> 01:13:00.920 Yeah, so I've been traveling for the past around the 1407 01:13:00.960 --> 01:13:02.880 past month of November, so it's I. 1408 01:13:02.920 --> 01:13:06.439 Think, hold on, now, that's that's a whole different ballgame. 1409 01:13:06.479 --> 01:13:09.720 I think. So your car was there in an unassigned 1410 01:13:09.760 --> 01:13:11.359 spot for one month or more. 1411 01:13:13.199 --> 01:13:14.640 I think it was around a month. I don't know 1412 01:13:14.720 --> 01:13:17.359 exactly when it was, Toad, but okay. 1413 01:13:17.439 --> 01:13:17.760 Got it. 1414 01:13:17.920 --> 01:13:19.920 Bryan, didn't you want to explain to you why your 1415 01:13:20.000 --> 01:13:20.800 car was towed? 1416 01:13:22.359 --> 01:13:22.560 Yeah? 1417 01:13:22.600 --> 01:13:26.439 I mean I called the towing company and they claimed 1418 01:13:26.479 --> 01:13:28.039 that it was abandoned the vehicle. 1419 01:13:28.600 --> 01:13:31.640 Okay, all right. Did they have a list of cars 1420 01:13:32.399 --> 01:13:35.560 and license went on your lease? Or when you do 1421 01:13:35.680 --> 01:13:42.520 you register your cars with the company? Okay? Yeah, I 1422 01:13:42.600 --> 01:13:44.760 mean so how would they let me ask you this? 1423 01:13:45.399 --> 01:13:51.880 How how would they know if some if the cars abandoned? 1424 01:13:51.920 --> 01:13:54.399 Did they tell you it's if it hasn't moved in 1425 01:13:54.479 --> 01:13:56.840 a certain number of days or weeks or hours? What 1426 01:13:57.000 --> 01:13:57.640 did they tell you? 1427 01:13:59.760 --> 01:14:04.840 I'm I haven't heard any communications from either the property 1428 01:14:04.880 --> 01:14:07.640 management or tone company or otherwise, so I'm not really 1429 01:14:07.680 --> 01:14:08.199 sure about that. 1430 01:14:09.119 --> 01:14:12.600 Okay, tell Elite, why didn't you ask? I mean, if 1431 01:14:12.680 --> 01:14:16.000 my car was towed, how did you even know it 1432 01:14:16.079 --> 01:14:18.359 was toad because they thought it was abandoned? How do 1433 01:14:18.359 --> 01:14:21.159 you actually how do you even just for how do 1434 01:14:21.239 --> 01:14:23.159 you know it was toad because it was abandoned? 1435 01:14:24.680 --> 01:14:24.880 Yeah? 1436 01:14:24.920 --> 01:14:27.000 So I got back in town night before yesterday, and 1437 01:14:27.039 --> 01:14:29.000 that's what I noticed, and I called the towing company, 1438 01:14:29.600 --> 01:14:34.760 and the towing company stated, okay, how. 1439 01:14:34.640 --> 01:14:37.680 Did the towing company know? Who told the towing company 1440 01:14:37.760 --> 01:14:40.000 that it was abandoned. Who ordered the actual toe. 1441 01:14:41.800 --> 01:14:44.560 I believe they said it was like the property HOA 1442 01:14:44.720 --> 01:14:45.640 or property management. 1443 01:14:46.119 --> 01:14:48.920 Oh okay, so somebody from HUA reported it as an 1444 01:14:48.920 --> 01:14:52.039 abandoned car and ordered Elite to toe it away. 1445 01:14:52.159 --> 01:14:54.239 And I don't think it's there. I don't think it's 1446 01:14:54.319 --> 01:14:56.960 the towing company's fault at all. They're the ones with 1447 01:14:57.079 --> 01:14:59.600 twok over why it's towing, I know, but it's still 1448 01:14:59.640 --> 01:15:02.560 not there. The management company said, come and get it. 1449 01:15:03.279 --> 01:15:07.560 It's their property. They have every right to tow. Now 1450 01:15:07.800 --> 01:15:12.000 there might be yeah, there are laws regarding notice and 1451 01:15:12.079 --> 01:15:14.319 all of that, And I don't know what they did 1452 01:15:14.439 --> 01:15:16.319 or how they have to do it on private property. 1453 01:15:16.359 --> 01:15:19.039 I really don't know, but let's put it this way. 1454 01:15:19.840 --> 01:15:22.760 I think the problem was with the management company. So 1455 01:15:23.399 --> 01:15:26.479 when you heard that the management company called it abandoned, 1456 01:15:27.039 --> 01:15:29.720 did you look to your lease or buy laws or 1457 01:15:29.840 --> 01:15:33.079 any kind of documentation or did you just simply I 1458 01:15:33.159 --> 01:15:35.640 would have gone to the management companies said excuse me, 1459 01:15:36.039 --> 01:15:38.119 why was my car towed? I mean, didn't you ask 1460 01:15:38.279 --> 01:15:39.640 right Ryan or ran? 1461 01:15:41.199 --> 01:15:41.399 Yeah. 1462 01:15:41.640 --> 01:15:44.840 I've given them a call and I basically got directed 1463 01:15:44.880 --> 01:15:46.880 to a call center and they said that it's like 1464 01:15:47.079 --> 01:15:50.640 a management company that has multiple neighborhoods. Yeah, they would 1465 01:15:51.159 --> 01:15:54.039 for the information to the one from my specific neighborhood, 1466 01:15:54.039 --> 01:15:55.279 and they get back to me, and I haven't heard 1467 01:15:55.319 --> 01:15:56.920 back yet. I mean I only did this yesterday, but 1468 01:15:57.279 --> 01:15:58.600 I don't heard back yet on that. 1469 01:16:01.359 --> 01:16:03.159 Day. Can you give me a quick call you think, Yeah, 1470 01:16:04.039 --> 01:16:06.560 let's just do a quick call for you. Man, when 1471 01:16:06.640 --> 01:16:09.439 you called, do you have an office right there that 1472 01:16:09.520 --> 01:16:11.960 you can walk into and say, hey, by the way, 1473 01:16:12.079 --> 01:16:14.760 when is a car considered abandon I mean, can't you 1474 01:16:14.960 --> 01:16:15.840 just talk to someone? 1475 01:16:17.319 --> 01:16:19.600 Yeah, there's no on site office or anything. 1476 01:16:19.840 --> 01:16:25.560 Oh okay, then who if there's no onside office, does 1477 01:16:25.640 --> 01:16:27.800 the towing company have standing orders? 1478 01:16:30.079 --> 01:16:31.720 I'm honestly not sure about that. 1479 01:16:32.359 --> 01:16:36.319 Hey, Ryan, why didn't you park in front of your garage? 1480 01:16:38.199 --> 01:16:43.680 So there's the garage, which is where my wife's cars parked, And. 1481 01:16:44.039 --> 01:16:47.119 Okay, so you couldn't. You couldn't very well just leave 1482 01:16:47.159 --> 01:16:48.520 it out there because it would block her. 1483 01:16:48.640 --> 01:16:48.760 Right. 1484 01:16:50.159 --> 01:16:52.560 Well, it's not even about that. So my driveway in 1485 01:16:52.600 --> 01:16:55.520 particular is like extra steep, and it's too steep to 1486 01:16:55.560 --> 01:16:57.640 get a sedan up there. So the second car was 1487 01:16:57.640 --> 01:17:00.399 a sedan, so I literally just can't get up the 1488 01:17:00.479 --> 01:17:01.359 draft without so. 1489 01:17:01.399 --> 01:17:05.159 You never parked there. You never parked there, right, Yeah. 1490 01:17:05.640 --> 01:17:08.520 The only difference between when it was TOTD and when 1491 01:17:08.560 --> 01:17:12.159 it wasn't is you use the car every day. Yeah, 1492 01:17:12.880 --> 01:17:16.039 but that but when you were traveling, and since your 1493 01:17:16.079 --> 01:17:18.439 wife didn't move it for you and or you didn't 1494 01:17:18.479 --> 01:17:21.840 know about it, but somewhere here's going to be the problem. Ran. 1495 01:17:22.920 --> 01:17:26.279 If it's written somewhere and you just didn't know or 1496 01:17:26.359 --> 01:17:28.520 see it, it's going to be a problem for you. 1497 01:17:29.800 --> 01:17:32.399 If it's written somewhere, what I mean is in your 1498 01:17:32.439 --> 01:17:37.600 bylaws or something. Am I right to assume you could 1499 01:17:37.600 --> 01:17:41.479 have parked there under normal circumstances and you wouldn't be told. 1500 01:17:41.520 --> 01:17:43.880 But because it was there a long time, it was Toad. 1501 01:17:44.199 --> 01:17:47.600 I mean certainly, I've been least in this place for 1502 01:17:47.800 --> 01:17:50.640 six seven months and that's it. I haven't changed anything 1503 01:17:50.640 --> 01:17:52.520 about the parking, except, like you said, the fact that 1504 01:17:52.560 --> 01:17:54.399 I've been gone and haven't been moving the cars them. 1505 01:17:54.560 --> 01:17:57.359 Yeah. Okay, So how much did all this cost you? Ran? 1506 01:17:58.640 --> 01:18:01.000 They're telling me that it's too point three grand to 1507 01:18:01.079 --> 01:18:01.560 get it out? 1508 01:18:02.840 --> 01:18:05.640 What wait wait wait wait wait wait wait wait wait 1509 01:18:06.319 --> 01:18:10.079 wait a minute, twenty three hundred dollars. 1510 01:18:11.119 --> 01:18:17.680 Yeah, exactly exactly what how do they whatever? They're daily 1511 01:18:17.760 --> 01:18:19.960 holding feet and they've had it for about a month, 1512 01:18:20.039 --> 01:18:21.000 so for about a month. 1513 01:18:21.079 --> 01:18:22.359 So but. 1514 01:18:24.159 --> 01:18:27.079 Wait they told it like right at the beginning of 1515 01:18:27.159 --> 01:18:29.479 your train. We don't know. I mean, Ryan, you got 1516 01:18:29.600 --> 01:18:31.039 to help us out if we're going to help you, 1517 01:18:31.560 --> 01:18:33.520 because I don't want to start fighting and find out 1518 01:18:33.560 --> 01:18:36.319 you were gone two months? Exactly how long were you gone? 1519 01:18:36.359 --> 01:18:36.439 Bro? 1520 01:18:38.479 --> 01:18:39.199 I was gone. 1521 01:18:39.800 --> 01:18:46.359 I left November. Let me see, I left November eleventh, eleventh. 1522 01:18:47.000 --> 01:18:51.880 Oh okay, and the thing is the thing is okay, 1523 01:18:52.000 --> 01:18:55.600 November eleventh. Then when did you return? We're on a 1524 01:18:55.720 --> 01:18:57.279 roll here. Where when did you return? 1525 01:18:58.640 --> 01:18:59.680 I returned on Sunday? 1526 01:18:59.720 --> 01:19:03.479 There, okay, so okay, so. 1527 01:19:03.600 --> 01:19:06.199 It was the car parked there before November eleventh? Though 1528 01:19:06.720 --> 01:19:08.560 what date did you actually park the car? 1529 01:19:09.600 --> 01:19:12.399 What date? Okay, that's okay, thank you, d that's a 1530 01:19:12.439 --> 01:19:15.800 good point. When did you actually park the car there 1531 01:19:15.920 --> 01:19:18.279 for the and leave it? When did you actually park 1532 01:19:18.359 --> 01:19:18.640 it there? 1533 01:19:19.880 --> 01:19:22.479 I mean the car has been there since I moved here. 1534 01:19:23.640 --> 01:19:25.640 No, that's not what I'm asking. So no, no, no, 1535 01:19:26.319 --> 01:19:31.239 that's not what I'm asking. You used your car before that? 1536 01:19:31.640 --> 01:19:33.920 What I need to know. Listen to what I'm asking, 1537 01:19:34.119 --> 01:19:38.680 because it's really important. When was the last time your 1538 01:19:38.800 --> 01:19:40.920 car had been moved from that spot? 1539 01:19:43.560 --> 01:19:46.319 Probably about a week or two. I've been using my 1540 01:19:46.479 --> 01:19:47.199 wife's car. 1541 01:19:48.039 --> 01:19:51.960 Okay, so probably is it say a week or two? 1542 01:19:52.119 --> 01:19:55.640 So basically all of November it was parked there. 1543 01:19:57.079 --> 01:19:57.319 Yeah. 1544 01:19:58.119 --> 01:20:00.520 Yeah, well not all of November because you don't know 1545 01:20:00.520 --> 01:20:02.279 when they towed it, right, You don't have an exact 1546 01:20:02.359 --> 01:20:02.760 tow date. 1547 01:20:05.079 --> 01:20:05.119 No. 1548 01:20:05.479 --> 01:20:07.560 And the thing is, I also think is I'm just 1549 01:20:08.079 --> 01:20:10.079 leading up to the trip. I honestly don't even know, 1550 01:20:11.079 --> 01:20:14.760 Like like I didn't notice, I didn't notice. I can't 1551 01:20:14.800 --> 01:20:17.119 say for sure whether or not it was there before 1552 01:20:17.159 --> 01:20:18.680 I left on my trip or now, like it might 1553 01:20:18.720 --> 01:20:21.520 have been towed before. But I honestly just you know, 1554 01:20:21.560 --> 01:20:23.960 I hadn't been using the car for that time. 1555 01:20:25.000 --> 01:20:28.439 Okay, you didn't notice, You didn't notice, So it really 1556 01:20:28.600 --> 01:20:33.640 could have been in storage for a full month. Yeah, yeah, 1557 01:20:34.239 --> 01:20:36.840 even though you left on the eleventh, it could have 1558 01:20:36.880 --> 01:20:41.479 been towed two weeks before that. You never know, right, right, 1559 01:20:42.199 --> 01:20:44.880 So listen, man, what kind of car is it? 1560 01:20:46.800 --> 01:20:49.039 It is a two thousand and five to Tua album. 1561 01:20:51.960 --> 01:20:55.159 What is it worth? Because it's almost twenty years old? 1562 01:20:55.560 --> 01:20:59.960 What is it worth Yeah, yeah, on a private mark 1563 01:21:00.039 --> 01:21:02.520 and it's probably a five or six grand, six grand. 1564 01:21:03.960 --> 01:21:06.680 It's it's really not worth you getting it, I mean, 1565 01:21:06.800 --> 01:21:08.600 is it? I mean, be honest here, do you owe 1566 01:21:08.640 --> 01:21:12.960 money on it? No? I bought it. I'm not telling you. 1567 01:21:13.319 --> 01:21:15.319 I'm not telling you we can't help you. I'm not 1568 01:21:15.399 --> 01:21:18.079 telling you that I don't know the situation yet. There 1569 01:21:18.199 --> 01:21:21.439 are new laws on releasing your car. They have to 1570 01:21:21.520 --> 01:21:24.720 release your car. Can you look that up? D But 1571 01:21:24.840 --> 01:21:28.159 but remember this was a private toe. But he wasn't 1572 01:21:28.239 --> 01:21:32.279 blocking traffic. Now you could have been given notice. Help 1573 01:21:32.399 --> 01:21:34.399 us out here. Did they say, hey, we put a 1574 01:21:34.520 --> 01:21:37.560 notice on the car and you didn't move it? Blah 1575 01:21:37.560 --> 01:21:42.239 blah blah. Did they say any of that? Not on 1576 01:21:42.319 --> 01:21:45.239 my phone call? And you should be asking you should 1577 01:21:45.239 --> 01:21:45.560 be asked. 1578 01:21:45.600 --> 01:21:45.640 No. 1579 01:21:45.800 --> 01:21:50.039 No, the toe company, they're required if you're not blocking traffic, 1580 01:21:50.279 --> 01:21:53.760 they're required to tell you to give you notice before 1581 01:21:53.800 --> 01:21:57.159 they tow it. Did it have current license plates on it? 1582 01:22:00.159 --> 01:22:01.720 No, it didn't know it didn't. 1583 01:22:01.920 --> 01:22:06.039 Oh god, did it have any rayan? See this is 1584 01:22:06.119 --> 01:22:06.680 the problem. 1585 01:22:06.760 --> 01:22:06.880 Man. 1586 01:22:07.000 --> 01:22:10.680 You keep unloading, you keep like, you keep like revealing 1587 01:22:10.800 --> 01:22:13.119 stuff that gives them more and more and more and 1588 01:22:13.239 --> 01:22:16.479 more justification. I'm not saying that you shouldn't get your 1589 01:22:16.560 --> 01:22:19.840 car back, and they shouldn't. There's a certain law about 1590 01:22:19.920 --> 01:22:22.159 getting your car back with a minimum amount of payment. 1591 01:22:22.560 --> 01:22:24.319 I got to look it up. But let me ask 1592 01:22:24.359 --> 01:22:27.520 you this. How did it have license plates at all? 1593 01:22:29.199 --> 01:22:29.399 Yeah? 1594 01:22:29.479 --> 01:22:32.239 It had license plates, And it's actually like I was 1595 01:22:32.279 --> 01:22:34.359 planning on selling the car. That's why I didn't renew 1596 01:22:34.399 --> 01:22:34.960 the registration. 1597 01:22:35.399 --> 01:22:40.960 It doesn't matter. I'm not judging you. How expired were they? 1598 01:22:43.399 --> 01:22:46.399 I believe the plates were from twenty three. 1599 01:22:48.039 --> 01:22:54.520 Oh man, you aren't such bad shape right now? Hold on, Ryan, right, ray, 1600 01:22:54.560 --> 01:22:56.920 and let's see what we can do. I'm gonna have 1601 01:22:57.279 --> 01:23:00.520 get his information. I want d to do some event instigating, 1602 01:23:01.039 --> 01:23:03.640 and then I want to investigate the law because there 1603 01:23:03.720 --> 01:23:06.159 is I thought there was a certain law that said 1604 01:23:06.439 --> 01:23:09.000 if he made a certain payment, they have to release him. Yeah. 1605 01:23:09.000 --> 01:23:09.760 There are two issues. 1606 01:23:09.800 --> 01:23:12.680 One is, yeah, they're required to put him on a 1607 01:23:12.760 --> 01:23:13.560 financing plan. 1608 01:23:13.760 --> 01:23:16.439 But they had a right, they had a right. 1609 01:23:16.600 --> 01:23:19.520 Well, I think the new law prohibits towing for expired 1610 01:23:19.600 --> 01:23:20.399 license plates. 1611 01:23:20.680 --> 01:23:24.840 Now that's probably okay, But what about abandon look it up. 1612 01:23:24.920 --> 01:23:27.520 I hope you're right. Hang on, bro, we'll be right back. 1613 01:23:27.560 --> 01:23:34.880 I'm Tom Martine more coming up. Go with a sure 1614 01:23:34.960 --> 01:23:38.399 thing Denver's Best roofer Excel Roofing dot com. You don't 1615 01:23:38.399 --> 01:23:44.439 pay a cent until you're content. Time for an insurance 1616 01:23:44.520 --> 01:23:48.640 checkup free, no obligation. In comparison, call Compass Insurance paying 1617 01:23:48.680 --> 01:23:51.720 too much your coverage at dozens of insurance companies find 1618 01:23:51.760 --> 01:23:54.039 out now three O three seven seven to one help. 1619 01:23:54.279 --> 01:23:56.880 You'll think you're his only customer when you choose Frank 1620 01:23:56.960 --> 01:23:59.359 durand the real estate Man dot com to list your 1621 01:23:59.439 --> 01:24:03.079 home Remax Alliance three oh three nine two zero sixteen 1622 01:24:03.159 --> 01:24:12.399 twenty two. Hi Tom Martino, your troubleshooter three ozho three 1623 01:24:13.119 --> 01:24:15.399 seven one three talk three oh three seven one three 1624 01:24:15.479 --> 01:24:18.600 eight two five five. I guess my computer has decided 1625 01:24:18.640 --> 01:24:23.119 I'm ugly and won't take my camera. But I'm gonna 1626 01:24:23.199 --> 01:24:26.279 keep trying, folks, so just please put up with it 1627 01:24:26.359 --> 01:24:29.000 for a second. I don't want to hear it. Hey, 1628 01:24:29.600 --> 01:24:34.520 so let's go to the phones. Here's what I think. 1629 01:24:35.680 --> 01:24:38.479 I think that that guy is going to be out 1630 01:24:38.479 --> 01:24:41.800 of luck. I think he did everything wrong. And however, 1631 01:24:41.920 --> 01:24:46.520 I looked up the law and I said, uh, and 1632 01:24:46.680 --> 01:24:50.199 here's what here's what it says Dimitri's looking it up, 1633 01:24:50.239 --> 01:24:56.000 Deputy D. Under the new Colorado law effective August twenty 1634 01:24:56.119 --> 01:24:59.800 twenty two, towing companies are generally prohibited from removing vehicles 1635 01:24:59.800 --> 01:25:04.760 from private properties solely due to expired license plates, unless 1636 01:25:04.920 --> 01:25:12.520 directed by law enforcement. However, there are specific circumstances where 1637 01:25:12.560 --> 01:25:18.159 a vehicle can be towed without prior notice. Okay, now 1638 01:25:19.439 --> 01:25:24.359 let's talk about that. It's including blocking access. He wasn't 1639 01:25:24.800 --> 01:25:28.600 unauthorized parking in a space designated for another person. He 1640 01:25:28.800 --> 01:25:33.239 wasn't doing that permit violations, he says, They don't require permits. 1641 01:25:34.039 --> 01:25:36.680 So in his situation, the vehicle was parked in an 1642 01:25:36.760 --> 01:25:40.680 unassigned spot in a town home community for a month 1643 01:25:40.760 --> 01:25:46.319 with expired plates. Since it wasn't blocking traffic or occupying 1644 01:25:46.439 --> 01:25:51.760 someone else's designated spot, and no permit was required, the 1645 01:25:51.960 --> 01:25:56.399 towing company could not tow them under this law. 1646 01:25:58.479 --> 01:26:01.039 Well, it could be that the but he was sparked 1647 01:26:01.079 --> 01:26:03.560 and is reserved only for visitors. I've been to plenty 1648 01:26:03.640 --> 01:26:04.560 of those communities. 1649 01:26:04.840 --> 01:26:09.239 Well that's that. Even if it was considered an abandoned 1650 01:26:09.319 --> 01:26:11.399 that's can said. Now, now they mean a sign to 1651 01:26:11.600 --> 01:26:14.720 someone else, I don't think they mean a sign to 1652 01:26:14.920 --> 01:26:18.399 visitors in general or mankind. I'm reading the law now, 1653 01:26:18.479 --> 01:26:20.359 it's twenty eight pages. It will be a while. Now, 1654 01:26:20.880 --> 01:26:24.600 if your vehicle was towed under these conditions, you might 1655 01:26:24.680 --> 01:26:28.079 have grounds to contest it. You can file with the PUC. 1656 01:26:28.560 --> 01:26:32.279 Now listen, I really believe. I truly believe that this 1657 01:26:32.399 --> 01:26:37.159 guy was screwed. I really do. And Okay, I'm going 1658 01:26:37.239 --> 01:26:42.800 to ask this. If I racked up a twenty three 1659 01:26:42.960 --> 01:26:52.000 hundred dollars tow and storage bill, do they have to 1660 01:26:52.119 --> 01:26:55.279 do they they have to release my car. I'm going 1661 01:26:55.359 --> 01:26:58.560 to ask that. By the way, I'm asking my boyfriend, 1662 01:26:59.000 --> 01:27:01.039 and it used to be my girlfriend. But then they 1663 01:27:01.159 --> 01:27:02.960 change to a male voice. I can't get it back 1664 01:27:02.960 --> 01:27:08.079 to a female voice. So I'm still confused a little bit. 1665 01:27:08.119 --> 01:27:10.199 Boy This time he left his car there for it 1666 01:27:10.279 --> 01:27:13.880 could be a month with plates that expired by nearly 1667 01:27:14.079 --> 01:27:16.359 a year at the best case. 1668 01:27:16.439 --> 01:27:19.399 Doesn't matter. Doesn't hey take it up with the take 1669 01:27:19.439 --> 01:27:22.439 it up with the lawmakers. Bro Under this law, that's 1670 01:27:22.520 --> 01:27:26.000 not grounds to tow a car. Wow, Okay, it's not 1671 01:27:26.279 --> 01:27:30.239 under this law. It's not unless he was blocking traffic 1672 01:27:30.760 --> 01:27:36.800 or in someone else's space. Under Colorado's it it goes 1673 01:27:36.880 --> 01:27:39.520 here effective August twenty. I said, if your vehicle was 1674 01:27:39.560 --> 01:27:42.600 told that, blah blah blah. Okay, here's what it says. 1675 01:27:43.159 --> 01:27:46.159 You can recover your vehicle by paying fifteen percent of 1676 01:27:46.239 --> 01:27:50.439 the total fees or sixty dollars whichever is less. Get 1677 01:27:50.479 --> 01:27:55.079 this guy back on the phone. This guy, this guy 1678 01:27:55.199 --> 01:27:59.640 can pay sixty dollars and get his car back. No, 1679 01:28:00.000 --> 01:28:03.560 he's gonna have to sign a financing It doesn't say 1680 01:28:03.600 --> 01:28:07.840 that here. It doesn't say that. I mean, maybe it does. 1681 01:28:08.000 --> 01:28:10.439 I'm not reading the law. I'm reading, you know, chat 1682 01:28:10.640 --> 01:28:13.479 my boyfriend. Let me let me just put this. Will 1683 01:28:14.439 --> 01:28:22.600 I have to sign a finance agreement for the balance? Okay, 1684 01:28:22.720 --> 01:28:27.920 let's see what this is. By the way, No, under 1685 01:28:28.000 --> 01:28:33.119 the Colorado Towing Bill of Rights, the finance agreement to 1686 01:28:33.159 --> 01:28:35.239 get your car back for a minimum deposit. But then 1687 01:28:35.279 --> 01:28:40.800 everybody's just gonna pay sixty Why that's our law. Take 1688 01:28:40.880 --> 01:28:43.760 it up with your progressive legislature. I think they have 1689 01:28:43.880 --> 01:28:48.279 a heart in this case. Fifteen percent of total fees 1690 01:28:48.399 --> 01:28:52.000 or sixty dollars, whichever is least. Listen to Dimitri, you 1691 01:28:52.119 --> 01:28:54.319 ought to call Elite for this. I'm going we ought 1692 01:28:54.359 --> 01:28:56.479 to do it like immediately get him back on the phone. 1693 01:28:56.479 --> 01:28:58.680 I want to tell him to see this contact information 1694 01:28:58.760 --> 01:28:59.920 so I can get his license plate. 1695 01:29:00.239 --> 01:29:04.000 Come on, get off the mimosas, Kelly, get on this 1696 01:29:04.239 --> 01:29:06.640 damn thing. Come on, I got it. I just got 1697 01:29:06.920 --> 01:29:09.479 a text. All right, thank you, Tom, Kelly, than Kelly. 1698 01:29:10.279 --> 01:29:13.560 I love my listeners. Okay, I love them, except for 1699 01:29:13.640 --> 01:29:16.920 the YouTube morons. Now, my camera's down for a minute. 1700 01:29:16.960 --> 01:29:18.760 I'm gonna get it back up here in a minute. 1701 01:29:19.520 --> 01:29:21.399 I don't know what's going on. All of a sudden, 1702 01:29:21.520 --> 01:29:24.760 my obs studio says, I'm ugly and they can't show me. 1703 01:29:25.039 --> 01:29:25.920 You didn't anything. 1704 01:29:26.800 --> 01:29:31.239 Well, actually I did. I don't know what's going on shows. 1705 01:29:31.279 --> 01:29:34.840 I just don't know what's happening. I just don't know 1706 01:29:34.880 --> 01:29:38.359 what's happening. My camera's out, but I will I will 1707 01:29:38.399 --> 01:29:40.720 work on it. Here's what I want to say, though, 1708 01:29:41.800 --> 01:29:47.159 I don't understand why towing companies would do stuff that 1709 01:29:47.359 --> 01:29:51.800 they know is wrong. Right, So I don't I don't. 1710 01:29:51.960 --> 01:29:56.760 I don't get it. Why would they do something that 1711 01:29:56.880 --> 01:30:03.119 they know is wrong? Can anyone tell me this? So 1712 01:30:03.920 --> 01:30:10.239 I want to know it's not because I think it. Well, okay, 1713 01:30:10.800 --> 01:30:13.439 I'm just saying that I think it Okay, I just 1714 01:30:13.520 --> 01:30:16.119 think is wrong. I'm going to go find this damn 1715 01:30:16.199 --> 01:30:18.920 camera though, and I'm going to add it because I 1716 01:30:19.119 --> 01:30:22.119 think I am like I, I just can't believe my 1717 01:30:22.199 --> 01:30:24.680 camera just took her crap and it won't it will 1718 01:30:24.760 --> 01:30:27.640 not do anything. And you know what really helps when 1719 01:30:27.760 --> 01:30:34.760 cameras do that. Cameras do that memosas memosas. Yeah, I 1720 01:30:34.800 --> 01:30:36.439 don't know what's going on with me right now, but 1721 01:30:36.560 --> 01:30:41.680 everything seems to be going to anyway. So here here's 1722 01:30:41.760 --> 01:30:46.199 the thing. If you if you we got to call 1723 01:30:46.279 --> 01:30:49.880 this toe company because what I'm seeing, they're breaking the law. 1724 01:30:50.600 --> 01:30:55.520 It says you only have to pay sixty dollars. Think 1725 01:30:55.560 --> 01:30:58.840 about that dragon, And as Dimitri said, if they can't 1726 01:30:58.880 --> 01:31:01.520 make you finance it and all you have to pay 1727 01:31:01.600 --> 01:31:06.239 is sixty dollars to retrieve your car, to prevent everyone, 1728 01:31:06.279 --> 01:31:07.960 you have to set up some kind of payment plan 1729 01:31:08.119 --> 01:31:12.680 for them. Yeah, no, you absolutely do not under this law. 1730 01:31:13.279 --> 01:31:16.279 Now here's what I think. Hold on, here's what I 1731 01:31:16.399 --> 01:31:20.279 think would happen. The law doesn't address it. But if 1732 01:31:20.319 --> 01:31:25.199 the toe company claims you owe twenty three hundred dollars, 1733 01:31:26.239 --> 01:31:29.960 they have to release your car for sixty That doesn't 1734 01:31:30.279 --> 01:31:34.880 mean that they can't come after you for what they 1735 01:31:35.039 --> 01:31:41.520 feel is a bill of twenty to forty right, so 1736 01:31:42.479 --> 01:31:45.199 they can probably pursue it as a collection, but they 1737 01:31:45.399 --> 01:31:49.520 can't keep your car, damn it. You know what, I 1738 01:31:49.600 --> 01:31:54.000 think it's a good law. I think it's a good law. Now. 1739 01:31:54.039 --> 01:31:55.720 I know Mark was on here to be calling me 1740 01:31:55.800 --> 01:31:58.680 a liberal creep and progressive and all, but it has 1741 01:31:58.760 --> 01:32:01.079 nothing to do with libertate conservative. It's like, people need 1742 01:32:01.159 --> 01:32:04.079 their car, for God's sakes. It's not like this guy 1743 01:32:04.399 --> 01:32:06.960 did a capital offense. He left his car with a 1744 01:32:07.319 --> 01:32:11.680 expired plate in an unassigned parking spot. Does he deserve 1745 01:32:12.000 --> 01:32:18.520 capital punishment for that? And and you know, whether you 1746 01:32:18.680 --> 01:32:22.520 guys like it or not, all of you morons on 1747 01:32:22.640 --> 01:32:25.119 YouTube saying all these stupid you just can't park in 1748 01:32:25.199 --> 01:32:27.600 the line without moving it, Well, guess what, According to 1749 01:32:27.640 --> 01:32:30.720 the law, you can as long as you're not taking 1750 01:32:30.800 --> 01:32:35.760 someone else's spot, someone else assigned to someone not mankind 1751 01:32:36.079 --> 01:32:44.439 in general. Okay, that it's an assigned spot anyway. That's 1752 01:32:44.560 --> 01:32:47.119 just the way it is. Three oh three seven one, 1753 01:32:47.239 --> 01:32:50.880 three eight two five five is our number if you 1754 01:32:51.159 --> 01:32:53.680 want to give us a call. And that's just the 1755 01:32:53.720 --> 01:32:57.039 way it is. The law is for the common man. 1756 01:32:57.600 --> 01:32:59.960 By the way, renew home innovations will do the most beauty. 1757 01:33:00.000 --> 01:33:03.720 A full shower conversion with stone walls, Yeah yeah, or 1758 01:33:03.800 --> 01:33:06.720 there their stone resin and they look just like stone. 1759 01:33:07.119 --> 01:33:10.399 No maintenance, no threshold to stumble over. It's great for 1760 01:33:10.560 --> 01:33:13.560 you when you get older, or for anyone. Glass panels 1761 01:33:14.199 --> 01:33:17.399 that are beautiful, no fog panels, the whole thing. Man 1762 01:33:17.720 --> 01:33:19.840 they do in two or three days, with seventy two 1763 01:33:19.880 --> 01:33:21.960 months to pay, no interest in these days. You try 1764 01:33:22.000 --> 01:33:23.840 to get that anywhere three O three nine zero four 1765 01:33:23.840 --> 01:33:26.239 to two thousand. Tell them Martino told you. Call three 1766 01:33:26.279 --> 01:33:34.960 O three nine zero four two thousand. Go with a 1767 01:33:35.039 --> 01:33:38.560 sure thing Denver's best roofer Excel Roofing dot com. You 1768 01:33:38.600 --> 01:33:44.399 don't pay a cent until you're content. Time for an 1769 01:33:44.399 --> 01:33:48.000 insurance check up free, no obligation. In comparison, call Compass 1770 01:33:48.079 --> 01:33:51.359 Insurance paying too much your coverage at dozens of insurance 1771 01:33:51.399 --> 01:33:53.840 companies find out now three all three seven to seven 1772 01:33:53.880 --> 01:33:56.640 to one help. You'll think you're his only customer when 1773 01:33:56.680 --> 01:33:58.920 you choose Frank durand the real estate Man dot com 1774 01:33:59.199 --> 01:34:02.279 to list your home with Remax Alliance three all three 1775 01:34:02.399 --> 01:34:07.720 nine two zero sixteen twenty two. Hi, Tom Martino, all 1776 01:34:07.840 --> 01:34:10.880 of my peeps will be happy to know that my 1777 01:34:11.039 --> 01:34:16.960 pretty face is back up and running on the uh 1778 01:34:17.560 --> 01:34:22.880 whatever on the stream here. So people, Dan McKenzie specifically, 1779 01:34:22.960 --> 01:34:25.319 I think I can switch to you without crapping up here. 1780 01:34:25.680 --> 01:34:28.199 Let me just make sure I can, because I'm afraid 1781 01:34:28.239 --> 01:34:31.880 of this thing now. The switcher was like, anyway, Dan mackenzie, 1782 01:34:31.920 --> 01:34:35.000 I do you have some text here? Seriously, Tom, you 1783 01:34:35.079 --> 01:34:39.560 were talking about investment accounts. I noticed, Oh, this is 1784 01:34:39.600 --> 01:34:41.640 a guy that met with my guy Pat from Wave 1785 01:34:41.720 --> 01:34:43.920 eight Wealth Management. He said, I noticed there's a place 1786 01:34:44.000 --> 01:34:47.640 for a beneficiary on every investment account. Do I need that? 1787 01:34:47.720 --> 01:34:51.159 If I have a will? What good is it? What 1788 01:34:51.279 --> 01:34:54.399 do you advise as an attorney? He's not asking me that, 1789 01:34:54.479 --> 01:34:57.359 he's asking Dan McKenzie said, Dan, when I sign up 1790 01:34:57.399 --> 01:35:01.079 people for investment accounts, Yeah, there's a place for beneficiary. 1791 01:35:02.119 --> 01:35:06.760 Now technically, if you have a beneficiary there, does that 1792 01:35:06.960 --> 01:35:09.640 negate the will's beneficiary for that? I mean, how does 1793 01:35:09.720 --> 01:35:10.840 it work? Tell me about it? 1794 01:35:10.960 --> 01:35:13.760 Those are followed before the will. So if you, oh, really, 1795 01:35:13.920 --> 01:35:15.880 you have an account that says this account goes to 1796 01:35:15.880 --> 01:35:18.279 Tom on my death and my will says, everything goes 1797 01:35:18.319 --> 01:35:20.159 to Dmitri on my death, You're going to get that 1798 01:35:20.239 --> 01:35:22.119 account and then Dmitri is going to get what's left. 1799 01:35:22.279 --> 01:35:24.840 So wait a minute, so benefit this is really important 1800 01:35:24.880 --> 01:35:30.680 news people. Beneficiary designations on everything come before the will 1801 01:35:30.720 --> 01:35:34.680 and probate and the estate. Yeah, did everyone know that? 1802 01:35:35.319 --> 01:35:35.359 No? 1803 01:35:35.520 --> 01:35:39.800 No, no, I'm serious. I'm serious, guys, honest to goodness, No, 1804 01:35:40.000 --> 01:35:43.239 smart ass YouTubers, I'm asking you, did you know this? 1805 01:35:43.880 --> 01:35:45.960 Did you know this out there listening in your car 1806 01:35:46.560 --> 01:35:52.079 or in the gym, that every beneficiary designation supersede your will? 1807 01:35:52.479 --> 01:35:55.239 Now I got to actually, I got to actually make 1808 01:35:55.279 --> 01:35:58.359 a note of this because I've learned something. So if 1809 01:35:58.399 --> 01:36:02.399 you have a will, if you have a trust, so 1810 01:36:02.600 --> 01:36:04.720 what if you have that? So what should they do? 1811 01:36:04.840 --> 01:36:07.119 Leave it blank? Or should they say refer to the will. 1812 01:36:07.000 --> 01:36:09.800 Or got to be aware of this and coordinate correctly, 1813 01:36:09.880 --> 01:36:12.399 because maybe you wanted to go through the will, maybe 1814 01:36:12.479 --> 01:36:14.119 you want that account to go through the will, but 1815 01:36:14.199 --> 01:36:16.119 if you put a beneficiary on it, it's not going 1816 01:36:16.199 --> 01:36:16.439 to do that. 1817 01:36:16.520 --> 01:36:18.319 They're going to follow the instructions you gave them. The 1818 01:36:18.600 --> 01:36:24.800 secret said he knew it. Hmm. Anyway, Oh, now I'm 1819 01:36:24.840 --> 01:36:28.279 being told my camera's taking another it's on mid fade. 1820 01:36:28.600 --> 01:36:31.439 See you know what it is. I have a bad 1821 01:36:31.520 --> 01:36:34.239 switcher here. I'm doing away with this damn switcher. I 1822 01:36:34.319 --> 01:36:37.239 think it's Dan. You know what, when Vinkenzie wasn't on camera, 1823 01:36:37.319 --> 01:36:40.960 it never happened. It's when his face came on everything 1824 01:36:41.039 --> 01:36:43.159 broke down. Wait, wait a minute, that's the only thing 1825 01:36:43.239 --> 01:36:46.359 we did differently Dimitri. When his face was on here, 1826 01:36:46.760 --> 01:36:50.279 all hell broke. Look. Plus he brought pizza. Yeah, so listen, 1827 01:36:51.800 --> 01:36:54.079 let's talk. Yeah, I see my face there. Yeah, this 1828 01:36:54.439 --> 01:36:57.399 this is really a bad switcher people. Now it went Now, 1829 01:36:57.439 --> 01:37:00.199 I got it. Okay, So I want to tell talk 1830 01:37:00.239 --> 01:37:07.399 about doing estates the right way. Then, if you want 1831 01:37:07.720 --> 01:37:10.680 everything to be according to your will or trust, you 1832 01:37:10.880 --> 01:37:16.279 should not designate beneficiaries on your pods, payable on death 1833 01:37:16.319 --> 01:37:19.520 certificates for your bank accounts, or your beneficiary information for 1834 01:37:19.600 --> 01:37:20.359 your investment case. 1835 01:37:20.399 --> 01:37:23.079 I've advised people to pull beneficiaries off because they want 1836 01:37:23.159 --> 01:37:25.000 the will to control. I've advised them to put it 1837 01:37:25.119 --> 01:37:29.840 on because like, yeah, yeah, that says I totally disinherit Tom. 1838 01:37:30.439 --> 01:37:32.119 And then I got a life insurance policy out there 1839 01:37:32.159 --> 01:37:34.039 that has you as a beneficiary and you're gonna. 1840 01:37:33.800 --> 01:37:35.720 Get more money than anyone else. So it's just you 1841 01:37:35.840 --> 01:37:37.399 just got to be aware of it. You got to coordinate. 1842 01:37:37.439 --> 01:37:39.640 You got a coordinator. Do you do that when somebody 1843 01:37:39.720 --> 01:37:43.880 comes out? Do you ask about beneficiary designations? Okay? Through everything? Yeah, 1844 01:37:44.199 --> 01:37:48.319 because I I do have some conflicts actually thinking right now, 1845 01:37:48.399 --> 01:37:51.520 I do. Uh huh, yeah, that's the problem. I mean. 1846 01:37:51.800 --> 01:37:53.359 So that's the benefit of a trust is you put 1847 01:37:53.399 --> 01:37:56.159 everything in the trust and then changes going forward you 1848 01:37:56.279 --> 01:37:58.560 make them to the trust agreement. It's just one centralized place. 1849 01:37:58.560 --> 01:38:01.680 If you're using designated beneficiary is remember those attached to every. 1850 01:38:01.640 --> 01:38:03.760 If I can prove what if somebody proves that the 1851 01:38:03.840 --> 01:38:07.439 will or the trust came after the beneficiary, doesn't matter. 1852 01:38:08.760 --> 01:38:12.960 I don't know, people, I really, I really have learned 1853 01:38:13.039 --> 01:38:17.680 something by that that that's incredible to me and something 1854 01:38:17.720 --> 01:38:21.560 else incredible and dragon don't faint. I'm gonna take a 1855 01:38:21.640 --> 01:38:23.760 break on time three O three seven one three eight 1856 01:38:23.800 --> 01:38:32.680 two five five go with a sure thing Denver's Best 1857 01:38:32.800 --> 01:38:35.640 roofer Excel roofing dot com. You don't pay a cent 1858 01:38:35.840 --> 01:38:41.880 until you're content. Time for an insurance check up free, 1859 01:38:42.000 --> 01:38:45.680 no obligation. In comparison, call Compass insurance paying too much 1860 01:38:45.840 --> 01:38:48.760 your coverage at dozens of insurance companies. Find out now 1861 01:38:48.880 --> 01:38:51.119 three O three seven to seven to one help. You'll 1862 01:38:51.159 --> 01:38:53.920 think you're his only customer when you choose Frank durand 1863 01:38:53.920 --> 01:38:56.359 the real estate man dot com to list your home 1864 01:38:56.600 --> 01:38:59.680 with Remax Alliance three oh three nine two zero sixteen 1865 01:38:59.720 --> 01:39:04.279 twenty you but hi, Tom Martino here three or oh 1866 01:39:04.359 --> 01:39:07.760 three seven one three talk three oh three seven one 1867 01:39:07.800 --> 01:39:13.640 three eight two five five. Celia's on the phone. Now, Celia, 1868 01:39:13.720 --> 01:39:14.640 what can we do for you? 1869 01:39:15.800 --> 01:39:16.079 Question? 1870 01:39:16.800 --> 01:39:18.359 Yeah, I got to sell. 1871 01:39:18.399 --> 01:39:22.079 It's a serving district court and I'm eighty eight years old. 1872 01:39:22.680 --> 01:39:24.680 What's the cutoff day on the age on this? 1873 01:39:26.640 --> 01:39:28.119 Is that for jury duty? Dear? 1874 01:39:28.920 --> 01:39:29.119 Yeah? 1875 01:39:29.319 --> 01:39:34.359 For jury duty? Okay, Well, I don't believe. Do you know, 1876 01:39:35.279 --> 01:39:37.880 Dan mackenzie, if there's a cutoff date on age for 1877 01:39:38.000 --> 01:39:40.840 jury duty? I think if you're alive and registered, if 1878 01:39:40.880 --> 01:39:42.760 you're registered vote, I don't think so. Yeah, No, they're 1879 01:39:42.800 --> 01:39:43.359 going to ask you. 1880 01:39:43.520 --> 01:39:43.640 Now. 1881 01:39:43.960 --> 01:39:46.159 That doesn't mean you can't get out of it. You 1882 01:39:46.279 --> 01:39:50.600 could probably call them and and explain it to them. 1883 01:39:51.520 --> 01:39:53.199 I mean, is there a number for you to call? 1884 01:39:54.079 --> 01:39:57.079 Yeah, but it's really a reporting number of some sort. 1885 01:39:57.439 --> 01:39:58.319 But I can try. 1886 01:39:59.159 --> 01:40:01.560 Now, here's what what happens? You call and they say 1887 01:40:02.119 --> 01:40:04.880 they do give the numbers, So there's a very very 1888 01:40:05.119 --> 01:40:08.680 good chance that your number won't be called. In other words, 1889 01:40:09.000 --> 01:40:11.720 they if you listen carefully to the message, it'll say 1890 01:40:11.800 --> 01:40:17.119 number numbers one hundred to two hundred excuse, or number 1891 01:40:17.439 --> 01:40:20.840 three forty to eight. You know they Have you ever 1892 01:40:20.920 --> 01:40:26.000 called the number and listened? Have you ever called that 1893 01:40:26.159 --> 01:40:26.960 number to listen? 1894 01:40:27.600 --> 01:40:31.119 But I had to go online and set out a form. 1895 01:40:32.279 --> 01:40:35.560 Okay, they probably if you give them your day to 1896 01:40:35.600 --> 01:40:39.000 birth and all that, they probably won't make you commit. Well, 1897 01:40:39.079 --> 01:40:43.920 when did you do that yesterday? Okay, so you'll hear something. 1898 01:40:43.960 --> 01:40:45.840 When is the do date? When do you have to appear? 1899 01:40:46.439 --> 01:40:47.399 It's for next month? 1900 01:40:48.319 --> 01:40:53.199 Okay. I think you're going to hear something, but we'd 1901 01:40:53.239 --> 01:40:55.920 be happy to help you if you don't. Okay, right now, 1902 01:40:56.079 --> 01:40:58.520 I would give it a few days. Hey, Kachina, would 1903 01:40:58.560 --> 01:41:01.319 you take her number? Can you put a tickler on 1904 01:41:01.399 --> 01:41:03.920 the calendar. Let's call her back next week and see 1905 01:41:03.960 --> 01:41:08.159 if she heard. Can we do that? Or I'll tell 1906 01:41:08.199 --> 01:41:09.800 you what. Let me give it to somebody to do. 1907 01:41:10.560 --> 01:41:13.119 Hold on, is hey bo are you there? Or is 1908 01:41:13.159 --> 01:41:16.800 a Dollar. One of you guys in this Shopper and Dollar, 1909 01:41:17.520 --> 01:41:20.439 let me get that one too, Tom, Yeah, Chopper, would 1910 01:41:20.479 --> 01:41:22.960 you make a note on your on your calendar or 1911 01:41:23.000 --> 01:41:26.159 something to call her. Let's call her next week and 1912 01:41:26.800 --> 01:41:29.760 in a week looks like on Wednesday, and let's see 1913 01:41:30.279 --> 01:41:33.880 if she's heard anything. If not, we can call as 1914 01:41:33.960 --> 01:41:37.840 an interested party our friend Celia. Are you unable to 1915 01:41:37.960 --> 01:41:38.239 make it? 1916 01:41:41.279 --> 01:41:42.640 It would be difficult if I could. 1917 01:41:42.680 --> 01:41:45.760 If I had to, Yeah, I mean, I just thought 1918 01:41:45.800 --> 01:41:47.359 it might be interesting to get out and do it. 1919 01:41:47.439 --> 01:41:49.000 But if you don't want to, I mean I can 1920 01:41:49.079 --> 01:41:52.359 see that. Are you in good health? 1921 01:41:53.399 --> 01:41:56.760 Well I have to use a walker if I'm out about. 1922 01:41:57.239 --> 01:42:00.600 Yeah, I'll know her out. Tom, Yeah, give her something 1923 01:42:00.720 --> 01:42:04.039 so you hang on, okay, and we'll we'll take care 1924 01:42:04.039 --> 01:42:06.680 of you. Okay. Three oh three seven one three eight 1925 01:42:06.720 --> 01:42:10.079 two five five. Let me go back to Dan Mackenzie 1926 01:42:11.279 --> 01:42:16.479 and I have another text here speaking more about beneficiaries. 1927 01:42:18.000 --> 01:42:21.640 They want to know. Oh, this is not about a beneficiary. 1928 01:42:22.079 --> 01:42:25.840 This is something they're calling at caud of Seal. What 1929 01:42:26.039 --> 01:42:29.880 is that? That's an amendment to a will? Okay, you 1930 01:42:30.079 --> 01:42:33.039 once told me I believe you would rather just rewrite 1931 01:42:33.079 --> 01:42:34.479 it than do an amendment correct. 1932 01:42:34.760 --> 01:42:39.039 Why uh, you know, they the amendments, they just they 1933 01:42:39.079 --> 01:42:41.520 get missed and they're hard to keep track of. It's like, 1934 01:42:41.640 --> 01:42:44.079 you know, you do one amendments says paragraph seven gets 1935 01:42:44.159 --> 01:42:45.920 change of this, and you get another amendment that says, 1936 01:42:45.960 --> 01:42:47.880 now paragraph five gets change of this, and then. 1937 01:42:48.399 --> 01:42:49.000 Yeah, yeah, yes. 1938 01:42:49.199 --> 01:42:51.600 It's like when you're trying to interpret it afterwards, you 1939 01:42:51.720 --> 01:42:54.760 miss them. It's hard to figure out what got changed. 1940 01:42:54.760 --> 01:42:57.039 It's almost easier to just rewrite it. Just rewrite it. 1941 01:42:57.159 --> 01:42:57.319 You know. 1942 01:42:57.439 --> 01:42:59.199 This is we're not using typewriters. We don't have to 1943 01:42:59.239 --> 01:43:00.840 retype the whole thing. We just do it in a 1944 01:43:00.880 --> 01:43:02.800 word process. I've just split the whole thing out again. 1945 01:43:02.880 --> 01:43:05.159 You know that those kinds of things were really for 1946 01:43:05.239 --> 01:43:06.960 back in the day when you had to retype, you know, 1947 01:43:07.000 --> 01:43:07.960 a whole fifty page. 1948 01:43:08.159 --> 01:43:08.520 Now, some. 1949 01:43:10.800 --> 01:43:13.800 Attorneys utilize paralegals and other people to keep the price 1950 01:43:13.880 --> 01:43:16.199 down and then they give it the blessing, so they 1951 01:43:16.279 --> 01:43:19.600 have differently hourly rates doing estate planning. Attorneys do that. 1952 01:43:19.960 --> 01:43:22.600 We do because, frankly, our area of law is one 1953 01:43:22.720 --> 01:43:25.720 that is pretty amendmental to having people who have knowledge 1954 01:43:25.880 --> 01:43:27.359 but not necessarily law degrees. 1955 01:43:27.399 --> 01:43:29.119 I mean the lawyer has to be involved. No, of 1956 01:43:29.159 --> 01:43:31.800 course you have to bless it. But you can, like 1957 01:43:32.159 --> 01:43:34.479 you can have good people that do research and do 1958 01:43:34.600 --> 01:43:35.960 different things, and. 1959 01:43:36.039 --> 01:43:37.520 You know a lot of I mean, you know, we 1960 01:43:37.920 --> 01:43:40.119 do use paralegals, and some people feel like, you know, 1961 01:43:40.199 --> 01:43:43.279 having the lawyer do everything is better. I respect that position, 1962 01:43:43.439 --> 01:43:45.680 but it's like, look, you know what it'll cost. It's 1963 01:43:45.720 --> 01:43:47.159 going to cost you war. You want me to be 1964 01:43:47.279 --> 01:43:50.479 printing and organizing and doing all that stuff. I don't 1965 01:43:50.479 --> 01:43:51.680 think that's a good use of your money. 1966 01:43:52.960 --> 01:43:59.399 Okay. And as far as this one said, I referred 1967 01:43:59.399 --> 01:44:01.560 to an ll see. I'm not going to read it, 1968 01:44:01.640 --> 01:44:03.760 but I know what he's talking about as a poor 1969 01:44:03.880 --> 01:44:07.960 man's trust. Now, I'm not saying that you recommend don't 1970 01:44:08.039 --> 01:44:12.119 do a trust, right, but there certainly are ways that 1971 01:44:12.239 --> 01:44:15.079 an LLC can take its place. There really are. Oh yeah, 1972 01:44:15.119 --> 01:44:18.000 we if we use LcA's for estate planning to and 1973 01:44:18.880 --> 01:44:21.560 what would be a good example of like maybe a business. 1974 01:44:21.399 --> 01:44:24.840 It's it's where you want, it's really good where Yeah, 1975 01:44:24.880 --> 01:44:28.159 a business, of course, but like any any property where 1976 01:44:28.199 --> 01:44:30.560 the family wants to be involved. Kind of equally, I mean, 1977 01:44:30.600 --> 01:44:33.199 the problem with a trust is it puts one person 1978 01:44:33.239 --> 01:44:33.680 in charge. 1979 01:44:33.920 --> 01:44:36.560 Right, So you know that trustee might want to say 1980 01:44:36.640 --> 01:44:39.920 you can make an LLC someone in control. You can, yes, 1981 01:44:40.079 --> 01:44:40.640 and there would be. 1982 01:44:40.760 --> 01:44:43.199 But then you within the LLC operating agreement you can say, 1983 01:44:43.199 --> 01:44:45.439 but it's only the property is only being sold if 1984 01:44:45.800 --> 01:44:47.640 a majority of these people agree on it. 1985 01:44:47.800 --> 01:44:50.680 Wells ways, so it's more like a business. I think 1986 01:44:50.800 --> 01:44:53.800 in some ways it's probably simpler to interpret and enforce 1987 01:44:53.880 --> 01:44:59.239 an LLC. No, yes, yes, it probably, it probably could be. 1988 01:45:00.159 --> 01:45:02.840 But I'm really talking about, like Elsie's just give multiple 1989 01:45:02.880 --> 01:45:05.000 people a way to be involved in a way the 1990 01:45:05.039 --> 01:45:05.560 trust don't. 1991 01:45:05.960 --> 01:45:08.439 And sometimes you want like, well a trust does have 1992 01:45:08.920 --> 01:45:11.600 even though they have a trustee, they do have errors, right, 1993 01:45:12.399 --> 01:45:15.359 But in the end, let's say the errors are saying 1994 01:45:15.399 --> 01:45:18.159 we want to hold onto this the trustee happened, and 1995 01:45:18.239 --> 01:45:21.239 the trustee is like, no, they the trustee has ultimate powers. 1996 01:45:21.279 --> 01:45:25.039 The trustee is there to make decisions. Okayficiar, they take 1997 01:45:25.079 --> 01:45:26.359 your place. Basically, yeah, what. 1998 01:45:26.399 --> 01:45:29.359 The beneficiaries think is not always what's best for them 1999 01:45:29.399 --> 01:45:31.279 forras something, so they might want to keep that property. 2000 01:45:31.439 --> 01:45:33.000 Trust He's like, I know, you guys can't maintain this, 2001 01:45:33.159 --> 01:45:35.359 Like with the farmer who's got more, come and right 2002 01:45:35.439 --> 01:45:39.720 up go with a sure thing Denver's Best roofer Excel 2003 01:45:39.840 --> 01:45:42.439 Roofing dot com. You don't pay a cent until you're 2004 01:45:42.520 --> 01:45:49.439 contenth time for an insurance checkup free no obligation comparison 2005 01:45:49.600 --> 01:45:53.159 call Compass Insurance paying too much your coverage at dozens 2006 01:45:53.159 --> 01:45:55.920 of insurance companies find out now three oh three, seven 2007 01:45:55.920 --> 01:45:58.239 to seven to one help. You'll think you're his only 2008 01:45:58.359 --> 01:46:00.800 customer when you choose Frank Durant, the real estate Man 2009 01:46:00.880 --> 01:46:04.279 dot com to list your home with Remax Alliance three 2010 01:46:04.319 --> 01:46:12.720 oh three nine two zero sixteen twenty two. Yea ripped. 2011 01:46:14.279 --> 01:46:16.399 News need advice? 2012 01:46:16.520 --> 01:46:17.279 Who you don't have? 2013 01:46:19.560 --> 01:46:21.960 Come running just as nass as we can. 2014 01:46:23.239 --> 01:46:28.880 Shooter's gonna help coming man. This is the Troubleshooter Show. 2015 01:46:29.520 --> 01:46:35.239 Now Tom Martino, Hi, Tom Martino here, Welcome to the show. 2016 01:46:35.439 --> 01:46:39.039 Three oh three seven one three talk three oh three 2017 01:46:39.239 --> 01:46:42.960 seven one three eight two five five. Welcome and what 2018 01:46:43.239 --> 01:46:46.520 is on your mind? Let's go to the phones. George 2019 01:46:48.079 --> 01:46:50.920 is calling me with a problem. You can call it anytime. 2020 01:46:51.000 --> 01:46:53.399 Three oh three Martino three oh three six two seven 2021 01:46:53.399 --> 01:46:56.479 eighty four sixty six. You can call by the way 2022 01:46:56.840 --> 01:47:00.520 anywhere you want like. You can call it at any time, 2023 01:47:00.560 --> 01:47:03.079 I should say, leave your number and we will get 2024 01:47:03.159 --> 01:47:05.039 back to you, so you can be on twenty four 2025 01:47:05.079 --> 01:47:07.600 to seven. That's three oh three Martino three h three 2026 01:47:07.680 --> 01:47:11.000 sixty two seven eight four sixty six. This hour brought 2027 01:47:11.039 --> 01:47:14.479 to you by Genesis Total Exteriors. Remember they're doing doors 2028 01:47:14.600 --> 01:47:17.920 two for one, changing out interior doors to upgrade your home. 2029 01:47:18.439 --> 01:47:21.520 They're wonderful people. Genesis tootal Exteriors dot com. They're also 2030 01:47:21.640 --> 01:47:26.359 doing balluster upgrades and railing upgrades from wood to metal, 2031 01:47:26.479 --> 01:47:33.479 beautiful metal. That's Genesis Tootalexteriors dot com. So Dimitri, you 2032 01:47:33.600 --> 01:47:36.159 have a follow up? What do you have going on? Bro? 2033 01:47:36.399 --> 01:47:38.319 Oh well, a few minutes ago we spoke with a 2034 01:47:38.359 --> 01:47:42.319 gentleman named Ryan whose car got towed away and oh. 2035 01:47:42.239 --> 01:47:44.840 My god, that was oh oh oh. Let me tell 2036 01:47:45.039 --> 01:47:48.760 people Ryan, is it Rayn or Ryan? I called him Bryan, okay, 2037 01:47:48.800 --> 01:47:51.800 but it's spelled Rayan. He says that his car was 2038 01:47:51.840 --> 01:47:54.960 towed from the town home parking lot. It was in 2039 01:47:55.079 --> 01:48:00.520 a unassigned spot for a month or more with expired plates. 2040 01:48:01.720 --> 01:48:06.119 The toe company wants the towing company says, he owes 2041 01:48:06.199 --> 01:48:07.399 twenty three hundred dollars. 2042 01:48:10.199 --> 01:48:12.000 So what's going on with that, Well, I got a 2043 01:48:12.039 --> 01:48:15.880 call back from a very well informed manager at Elite. 2044 01:48:15.960 --> 01:48:17.640 His named the gentleman's name is Jacob. 2045 01:48:18.199 --> 01:48:20.079 He said that they actually towed the car away in 2046 01:48:20.119 --> 01:48:23.199 October nineteenth and holy. 2047 01:48:23.199 --> 01:48:27.399 Crap, yeah, October nineteen. It was gone for a month, 2048 01:48:27.680 --> 01:48:31.159 a month and a half, yeah, and more than a. 2049 01:48:31.159 --> 01:48:34.279 Month two months, yeah, months, well, a month and a half. 2050 01:48:34.399 --> 01:48:36.159 I think we're on the fine first day or something 2051 01:48:36.239 --> 01:48:36.399 like that. 2052 01:48:37.039 --> 01:48:37.960 And the toe was. 2053 01:48:38.159 --> 01:48:41.960 Ordered, so obviously they're heavily regulated nowadays, so they have 2054 01:48:42.119 --> 01:48:45.640 perfect records of this. The toe was ordered by a 2055 01:48:45.760 --> 01:48:48.279 member of the board of the HOA who did a 2056 01:48:48.319 --> 01:48:51.880 couple of things, which is, provided photos of the car 2057 01:48:52.479 --> 01:48:55.560 and provided a notice, provided a notice on the windshield 2058 01:48:55.600 --> 01:48:58.520 of the car, and that's also reflected in the in 2059 01:48:58.600 --> 01:49:02.680 the photos post. Yes, so it sounds like they complied. Now, 2060 01:49:03.880 --> 01:49:07.439 we did discuss what happens and he said that, and 2061 01:49:07.520 --> 01:49:10.319 this was a surprise to me. The state requires them 2062 01:49:10.319 --> 01:49:13.800 to dispose of the vehicle within sixty days, so it's 2063 01:49:13.880 --> 01:49:16.079 been forty five now, so it's going to go to 2064 01:49:16.159 --> 01:49:18.479 auction if the caller doesn't come in and retrieve the. 2065 01:49:18.520 --> 01:49:21.199 Car sixty dollars. Well, the laws. 2066 01:49:21.319 --> 01:49:26.039 That's only in the first thirty days, according to the 2067 01:49:26.119 --> 01:49:26.960 gentleman of the laite. 2068 01:49:27.840 --> 01:49:29.279 However, there is good news. 2069 01:49:30.039 --> 01:49:32.199 So it is true that the car is racked up 2070 01:49:32.439 --> 01:49:35.520 approximately twenty four hundred dollars in storage and to fees 2071 01:49:35.600 --> 01:49:39.159 right now. But Elite is willing to release the car 2072 01:49:39.279 --> 01:49:42.640 for one thousand bucks. And if Ryan doesn't have a 2073 01:49:42.720 --> 01:49:45.479 thousand bucks burning a hole in his pocket, they're willing 2074 01:49:45.600 --> 01:49:48.479 to negotiate some kind of a time, some kind of 2075 01:49:48.520 --> 01:49:49.399 a contract for. 2076 01:49:49.479 --> 01:49:53.399 The trim to pay over time. That's sixty bucks or 2077 01:49:53.560 --> 01:49:56.199 the depot or the rack, whichever is least. 2078 01:49:56.640 --> 01:50:00.119 That is only in the first thirty days. Right in 2079 01:50:00.159 --> 01:50:03.000 the first thirty days. After that, they have to start 2080 01:50:03.039 --> 01:50:05.079 getting the car ready to go to auction. They're not 2081 01:50:05.159 --> 01:50:07.880 even allowed to keep it six for more than sixty days. 2082 01:50:08.840 --> 01:50:13.000 So look, they told the car away October nineteenth. This 2083 01:50:13.159 --> 01:50:17.000 guy pulls a root fan winkle and discovers just a 2084 01:50:17.079 --> 01:50:19.279 couple of days ago that the car is gone. So 2085 01:50:19.600 --> 01:50:22.239 I can absolutely see how it racked up so much money. 2086 01:50:22.600 --> 01:50:24.119 I think a lade is going out of their way 2087 01:50:24.199 --> 01:50:26.680 by offering to release it for one thousand. 2088 01:50:27.399 --> 01:50:29.760 But did he say anything. If he did, it had 2089 01:50:29.800 --> 01:50:34.760 he done it in the first thirty days. What he 2090 01:50:34.800 --> 01:50:37.720 would have done with the balance, No, because that wasn't 2091 01:50:37.720 --> 01:50:38.199 an issue. 2092 01:50:38.319 --> 01:50:40.960 He just he's required to release it for either fifteen 2093 01:50:41.079 --> 01:50:45.720 percent or sixty dollars, whichever is less, within thirty days. 2094 01:50:45.760 --> 01:50:50.199 Within the first thirty days, okay or fifteen percent? Okay? 2095 01:50:50.239 --> 01:50:51.640 What else did you find out? Anything? 2096 01:50:51.840 --> 01:50:51.920 Now? 2097 01:50:52.000 --> 01:50:54.359 I think that's all the important stuff. But the guy's 2098 01:50:54.399 --> 01:50:57.199 willing to negotiate. Well, he already offered to Yeah, he 2099 01:50:57.239 --> 01:50:59.319 said that he'll release it for a thousand You call back, 2100 01:50:59.399 --> 01:51:01.520 Rayan was he to do? I haven't called him yet. 2101 01:51:02.159 --> 01:51:04.920 Let's let him know. I'm going to some This is 2102 01:51:05.000 --> 01:51:12.800 amazing stuff, man, Okay, you know what. I love this 2103 01:51:12.880 --> 01:51:17.279 show people. I was talking to somebody the other day 2104 01:51:17.840 --> 01:51:21.079 and I said, it's not that I'm smart, It's that 2105 01:51:21.159 --> 01:51:25.800 I've heard everything and I retrieve stuff. There's a difference 2106 01:51:25.880 --> 01:51:29.720 between knowing and retrieving, right, Well, you know when you 2107 01:51:29.840 --> 01:51:33.439 retrieve because it's in your mind somewhere. But and I'm 2108 01:51:33.479 --> 01:51:35.960 not saying I'm not smart. I'm just saying that I 2109 01:51:36.079 --> 01:51:39.279 think anyone who sits for forty five years doing the 2110 01:51:39.279 --> 01:51:42.239 show and talking to people every day, you just got 2111 01:51:42.800 --> 01:51:45.960 I mean you just have to eventually absorb stuff, right 2112 01:51:46.640 --> 01:51:57.239 and know stuff. Now, George, what's happening with you? Man? Yes, sir, 2113 01:51:57.359 --> 01:51:58.640 it is what's going on with you? 2114 01:52:01.680 --> 01:52:01.880 Yes? 2115 01:52:02.039 --> 01:52:05.800 I purchased a gun from the shooters Tarren Inglewood, the 2116 01:52:05.920 --> 01:52:10.600 established business, and I didn't take possession of it, even 2117 01:52:10.640 --> 01:52:12.960 though on the twenty ninth, so I was in November. 2118 01:52:14.439 --> 01:52:18.000 I went a hit and pre paid for it, so 2119 01:52:18.119 --> 01:52:20.000 I want to hit. And I didn't do a background 2120 01:52:20.079 --> 01:52:23.680 check and no serial number was assigned for the weapon. 2121 01:52:23.720 --> 01:52:26.880 They gave me a receipt for I went, now, hold on, wait, 2122 01:52:27.319 --> 01:52:29.640 so you pre purchase, you pay for it, they do 2123 01:52:29.760 --> 01:52:31.960 the background check, right. 2124 01:52:31.960 --> 01:52:33.439 No, they did not do the background check. 2125 01:52:33.479 --> 01:52:35.359 But are they going to do it? I mean that 2126 01:52:35.520 --> 01:52:36.520 was the intent, right. 2127 01:52:38.079 --> 01:52:40.720 That's why I went back, Yes, okay, so go ahead, 2128 01:52:42.159 --> 01:52:45.359 all right? So I asked to see the weapon. 2129 01:52:46.920 --> 01:52:49.279 And how much did you pay? How much did you pay? 2130 01:52:50.479 --> 01:52:53.720 We're talking at nine hundred and fifty dollars before tanks. 2131 01:52:54.159 --> 01:52:56.880 But you really didn't buy it. What you did was 2132 01:52:56.960 --> 01:52:59.880 you put a deposit on it. You can't buy it 2133 01:53:00.199 --> 01:53:05.359 until you can't buy it until after the background check. 2134 01:53:05.760 --> 01:53:08.640 So the way some shops do, they take a deposit or, 2135 01:53:08.720 --> 01:53:11.479 they take payment and full and then they do the check. 2136 01:53:12.319 --> 01:53:16.000 The controversy comes if you don't pass the check. Some 2137 01:53:16.119 --> 01:53:18.479 of these idiots think they can keep your money. 2138 01:53:18.239 --> 01:53:20.920 And they can't, but they think that, Well, I think 2139 01:53:21.000 --> 01:53:21.600 that's what they were. 2140 01:53:21.560 --> 01:53:21.960 Trying to do. 2141 01:53:22.159 --> 01:53:24.000 Yeah, well is that what's going on with you? So 2142 01:53:24.079 --> 01:53:26.119 what happened? You paid? You paid them some money. 2143 01:53:27.439 --> 01:53:29.840 What happened then the whole price on a deff card 2144 01:53:30.560 --> 01:53:33.319 And I told him no, no, no, that's not the weapon. 2145 01:53:33.399 --> 01:53:35.279 I'll go ahead. I want a new one. He said, 2146 01:53:35.319 --> 01:53:36.239 well take some Wait. 2147 01:53:36.079 --> 01:53:39.840 Wait, wait, wait, hold on, George, George, I missed that part. 2148 01:53:40.600 --> 01:53:42.960 This gun that you bought, This gun that you bought, 2149 01:53:43.000 --> 01:53:44.880 did you pick it out of a catalog or out 2150 01:53:44.920 --> 01:53:45.439 of the case. 2151 01:53:46.760 --> 01:53:50.319 It was a glass case on display, okay, center in 2152 01:53:50.359 --> 01:53:54.439 the room, no sign saying use weapons and no sign 2153 01:53:54.600 --> 01:53:57.760 indicating no tag on the weapon itself saying it was 2154 01:53:57.800 --> 01:53:59.319 a used weapon that I was buying. 2155 01:54:00.079 --> 01:54:03.239 Case you you did not know? Hold on, did you 2156 01:54:03.359 --> 01:54:05.119 take it out and handle it and look at it? 2157 01:54:06.199 --> 01:54:07.840 She was the one that they had in the case. Yes, 2158 01:54:07.960 --> 01:54:08.399 I loved it. 2159 01:54:09.039 --> 01:54:12.680 And you didn't think you were buying that one? No, 2160 01:54:13.760 --> 01:54:17.880 you thought they were hold on, George, did you think 2161 01:54:17.960 --> 01:54:19.000 they were ordering it? 2162 01:54:21.159 --> 01:54:23.600 I did, and you thought the back. 2163 01:54:23.840 --> 01:54:26.520 And you thought that was okay. So you thought that 2164 01:54:26.720 --> 01:54:29.279 was just the display model and you were going to 2165 01:54:29.319 --> 01:54:31.319 get a new one from the back or they were 2166 01:54:31.399 --> 01:54:33.600 going to order it, and. 2167 01:54:34.000 --> 01:54:35.439 You are, yes, that's exactly okay. 2168 01:54:35.960 --> 01:54:38.800 So then what happened? Then? Then keep going what happened? Then? 2169 01:54:40.000 --> 01:54:40.319 All right? 2170 01:54:40.800 --> 01:54:42.960 I could not do the background check at that time. 2171 01:54:43.880 --> 01:54:45.159 I went ahead and told them. 2172 01:54:45.039 --> 01:54:46.920 I'll be why can't Why couldn't you do it? I'm 2173 01:54:46.960 --> 01:54:48.439 just curious why you couldn't. 2174 01:54:48.119 --> 01:54:52.399 Do it at the at that time because the sales presentation, 2175 01:54:52.880 --> 01:54:55.439 uh took a real long and my wife was waiting 2176 01:54:55.479 --> 01:54:57.680 in the car, and I figured after about an hour 2177 01:54:57.680 --> 01:54:59.000 and a half, you had a no, So I'm not 2178 01:54:59.039 --> 01:55:01.680 going to take another hour to do the background. 2179 01:55:01.319 --> 01:55:04.840 Check, all right, So you left and came So you 2180 01:55:05.000 --> 01:55:08.880 came back and said I'm ready for my background correctly, 2181 01:55:09.359 --> 01:55:12.319 and he did the background and then he said here's. 2182 01:55:12.079 --> 01:55:15.279 Your gun, and you said, huh, no, I asked to 2183 01:55:15.319 --> 01:55:17.680 see the weapon before I did the background check. 2184 01:55:17.840 --> 01:55:20.159 So you said, okay, I'm here to do my background check, 2185 01:55:20.239 --> 01:55:22.399 but I want to see the weapon. Because you were 2186 01:55:22.479 --> 01:55:25.399 expecting him. You were expecting him to take a weapon 2187 01:55:25.800 --> 01:55:27.960 from a box that he had ordered for you or 2188 01:55:28.039 --> 01:55:30.520 got from the back room, and instead he went back 2189 01:55:30.600 --> 01:55:32.760 over to that glass case and took that one out. 2190 01:55:35.039 --> 01:55:36.079 That's yeah, pretty much. 2191 01:55:37.159 --> 01:55:39.399 And then he said, here's your weapon, And you said, 2192 01:55:39.439 --> 01:55:41.920 but wait a minute, I thought I was getting a 2193 01:55:42.000 --> 01:55:46.800 new one, correct, right, that one that he showed you 2194 01:55:46.920 --> 01:55:49.920 in the glass case? What was not new about it? 2195 01:55:51.640 --> 01:55:53.880 It had been used. You could tell. He was quite 2196 01:55:53.960 --> 01:55:56.239 evident it had been used. Plus it was wrapped in 2197 01:55:56.399 --> 01:55:59.199 a gun carry cost case. 2198 01:55:59.600 --> 01:56:03.359 When he open that up, did he say it hold on, now, 2199 01:56:03.399 --> 01:56:05.840 I'm not asking if you agree or not. Did he 2200 01:56:07.279 --> 01:56:08.159 say it was used? 2201 01:56:09.880 --> 01:56:12.680 That's not what therefore I pay not? When I went 2202 01:56:12.800 --> 01:56:16.520 back to it, yes, he said it was used. Okay, No, 2203 01:56:16.680 --> 01:56:17.840 that's not what you said. 2204 01:56:18.159 --> 01:56:22.199 So did you say, let's just undo the whole thing exactly? 2205 01:56:22.840 --> 01:56:23.760 And what did he say? 2206 01:56:25.119 --> 01:56:25.479 There'll be. 2207 01:56:28.560 --> 01:56:33.359 Towards okay? And he called it a restocking fee, right, restocking? 2208 01:56:34.119 --> 01:56:35.359 There was no restocking fee. 2209 01:56:35.399 --> 01:56:39.439 You never took it, that's correct. That's what I told him. 2210 01:56:39.479 --> 01:56:40.079 I never took it. 2211 01:56:40.680 --> 01:56:45.960 Now, to his defense, to his defense, you did see 2212 01:56:46.039 --> 01:56:49.600 the gun before you bought it. You didn't know it was. 2213 01:56:50.039 --> 01:56:53.920 What made you think that that was just a display 2214 01:56:54.000 --> 01:56:56.199 model and that was not the gun you were buying? 2215 01:56:56.279 --> 01:56:57.199 What made you think that? 2216 01:56:59.239 --> 01:57:00.640 I'm sorry, repeat that there. 2217 01:57:01.079 --> 01:57:03.640 Yeah, so you went in there and he showed you 2218 01:57:03.680 --> 01:57:06.199 the gun and said here it is. Did he say 2219 01:57:06.359 --> 01:57:08.199 I'll have to go order it or I have one 2220 01:57:08.279 --> 01:57:11.479 in the bag? Where did you say, where's mine? When 2221 01:57:11.520 --> 01:57:15.359 can I expect it? What made you think that that 2222 01:57:15.640 --> 01:57:20.359 gun was not the one you were going to get? Oh? 2223 01:57:20.399 --> 01:57:23.920 Okay, because when before we started, before paid for it, 2224 01:57:24.239 --> 01:57:25.960 I said I'll get in the case and I'll get 2225 01:57:26.000 --> 01:57:28.399 the two magazines to come with it, and all these 2226 01:57:28.479 --> 01:57:31.039 fructions said yes, he. 2227 01:57:31.159 --> 01:57:33.560 Said that was that on your receipt? What was on 2228 01:57:33.680 --> 01:57:34.199 your receipt? 2229 01:57:35.840 --> 01:57:38.279 On the receipt all the shows just that particular model. 2230 01:57:38.319 --> 01:57:44.079 And the price okay, quantity one miscellaneous and the price okay, all. 2231 01:57:44.039 --> 01:57:47.960 Right, Tom, price of the gun different than what a 2232 01:57:48.039 --> 01:57:50.359 new one would be. That he should have recognized that. 2233 01:57:56.239 --> 01:57:58.680 I can get it on I can get a new 2234 01:57:58.720 --> 01:58:00.960 one online for just dollars different. 2235 01:58:01.880 --> 01:58:04.399 How much does he want? How much does he want 2236 01:58:04.479 --> 01:58:05.039 for a new one? 2237 01:58:06.199 --> 01:58:10.560 Yeah? Oh, for one? He said it would be at 2238 01:58:10.640 --> 01:58:11.319 least two three. 2239 01:58:11.239 --> 01:58:14.520 Hundred dollars more, and online you can get it for 2240 01:58:14.600 --> 01:58:15.880 only thirty dollars more. 2241 01:58:17.479 --> 01:58:20.039 Exactly. So I'm looking at it right now. 2242 01:58:20.079 --> 01:58:22.319 I'm looking at But he offered to sell you a 2243 01:58:22.399 --> 01:58:23.600 new one if you want to pay. 2244 01:58:23.520 --> 01:58:27.840 More for two three? Uh yeah, considerably more, somewhere around 2245 01:58:27.840 --> 01:58:28.199 two three. 2246 01:58:31.079 --> 01:58:34.880 This is a dilemma. One's going to make the argument. 2247 01:58:34.960 --> 01:58:38.640 Hold on, the argument can be made. He you know, 2248 01:58:38.880 --> 01:58:42.279 you got to prove that he said, yeah, this is 2249 01:58:42.319 --> 01:58:44.119 a display, you're going to get a new one, or 2250 01:58:44.199 --> 01:58:47.000 that you're going to get a new one. I did. 2251 01:58:47.319 --> 01:58:49.159 Let me ask you, this is really important. You asked 2252 01:58:49.199 --> 01:58:51.680 about the case and everything. Does he have all the 2253 01:58:51.760 --> 01:58:55.000 two magazines and the case for that one, even though 2254 01:58:55.000 --> 01:58:58.000 it's used, does not? Did you say to him, well, 2255 01:58:58.039 --> 01:58:59.880 you told me I was going to get two magazines 2256 01:59:00.000 --> 01:59:01.439 in the case. Did you say that to him? 2257 01:59:02.239 --> 01:59:04.119 No, this was a manager I dealt with when I 2258 01:59:04.159 --> 01:59:07.319 went back, when I first made the sale the purchase, 2259 01:59:09.640 --> 01:59:13.199 I talked to the salesperson and he is the one 2260 01:59:13.239 --> 01:59:14.560 that I expressed I want the case. 2261 01:59:14.640 --> 01:59:18.359 Okay, did the salesperson stick up? Hold on? Man, did 2262 01:59:18.439 --> 01:59:20.760 you talk to the salesperson or ask the boss to 2263 01:59:20.840 --> 01:59:21.600 talk to the salesman. 2264 01:59:23.079 --> 01:59:23.920 No, he wasn't there. 2265 01:59:24.119 --> 01:59:25.960 Did he say he would check with him? Did he 2266 01:59:26.039 --> 01:59:27.359 say anything? Did you talk to. 2267 01:59:28.880 --> 01:59:31.159 No, the person I talked to the manager. When I 2268 01:59:31.199 --> 01:59:33.359 went back to finish, I went in different. He could 2269 01:59:33.439 --> 01:59:33.880 chill less. 2270 01:59:34.720 --> 01:59:38.760 Yeah, that's how here it is. I hate to say this, 2271 01:59:38.960 --> 01:59:43.399 but honest to God, there's something about gunshop owners. They 2272 01:59:43.720 --> 01:59:46.239 I swear to you, there's something about them that they 2273 01:59:46.359 --> 01:59:49.439 don't care. I mean, I mean I've never seen it. 2274 01:59:50.319 --> 01:59:54.000 I mean no, no, I mean they're arrogant and weird. 2275 01:59:54.520 --> 01:59:57.119 I don't everyone I've dealt with. Maybe I'll find one 2276 01:59:57.199 --> 01:59:59.760 that's not, But so far, everyone I've dealt with has 2277 01:59:59.760 --> 02:00:03.439 been arrogant and weird. In fact, didn't we call on 2278 02:00:03.520 --> 02:00:05.159 a problem? They hung up on you. Didn't we call 2279 02:00:05.199 --> 02:00:08.720 on a gun problem? No, I've never I thought you did. Okay, 2280 02:00:08.960 --> 02:00:14.640 So I don't know, George Arden. So the most it's 2281 02:00:14.720 --> 02:00:17.439 going to cost you if you gave in is twenty 2282 02:00:17.520 --> 02:00:24.319 percent fifteen or fifteen percent? Yes, so over one hundred 2283 02:00:24.359 --> 02:00:29.720 bucks just because and you're and he refuses to even 2284 02:00:31.039 --> 02:00:37.399 acknowledge that you are not buying that gun. I just 2285 02:00:37.520 --> 02:00:39.920 don't think either of you have a strong case. Is 2286 02:00:39.960 --> 02:00:42.600 what I'm saying, I don't think you have anything that 2287 02:00:42.720 --> 02:00:44.960 proves he was going to order a new gun. I 2288 02:00:45.359 --> 02:00:49.399 really don't. I don't think you do. I mean you don't, 2289 02:00:49.920 --> 02:00:53.319 and he doesn't have anything to prove you were going 2290 02:00:53.359 --> 02:00:57.319 to get that one. But by default I would say 2291 02:00:57.640 --> 02:00:59.840 you were going to get that one because the receipts 2292 02:01:00.039 --> 02:01:02.399 had one gun and that mod. Did he put a 2293 02:01:02.680 --> 02:01:04.720 did he put a serial number down or did they 2294 02:01:04.760 --> 02:01:05.640 have a serial number? 2295 02:01:06.319 --> 02:01:10.239 They don't do that before the background check because they're 2296 02:01:10.319 --> 02:01:12.119 not allowed to sell you the gun. So what they 2297 02:01:12.239 --> 02:01:14.560 do is they technically sell you a gift card or 2298 02:01:14.600 --> 02:01:17.800 a store credit, which they'll then apply to the purchase 2299 02:01:17.840 --> 02:01:20.600 once your background check is approved and your waiting period 2300 02:01:20.720 --> 02:01:20.960 is over. 2301 02:01:21.159 --> 02:01:23.359 But if your background check doesn't go through, you get 2302 02:01:23.399 --> 02:01:23.960 your money back. 2303 02:01:24.039 --> 02:01:26.840 Well, A lot of gun shops charge what they call 2304 02:01:26.920 --> 02:01:31.039 a restocking fee of fifteen twenty percent if you don't pass, 2305 02:01:31.199 --> 02:01:33.680 if you don't pass yet, which is a crummy policy, 2306 02:01:34.520 --> 02:01:37.159 it's diffinitely dirty policy. But that's not the case with 2307 02:01:37.239 --> 02:01:42.479 this caller. He handled the actual gun that they tried 2308 02:01:42.520 --> 02:01:46.319 to deliver to him. Now, I think his assumption and 2309 02:01:46.399 --> 02:01:48.399 correct me if I'm wrong. George, your assumption was that 2310 02:01:48.520 --> 02:01:51.239 you handled like a display model and then you're gonna 2311 02:01:51.239 --> 02:01:53.239 buy and they're gonna actually deliver a brand new one. 2312 02:01:53.960 --> 02:01:55.760 But I don't know why he thought that, because he 2313 02:01:55.880 --> 02:01:58.399 said he said, am I going to get the two magazines? 2314 02:01:58.439 --> 02:01:59.920 Am I gonna get this? Am I gonna get that? 2315 02:02:00.000 --> 02:02:03.840 And he said, yeah, okay, So worst case scenarios the 2316 02:02:03.880 --> 02:02:06.960 guy throws in two cases to two magazines in a cave. 2317 02:02:07.039 --> 02:02:10.439 But what I need to know is this is that gun. 2318 02:02:11.640 --> 02:02:13.840 Did you say, well, wait a minute, this one's used, 2319 02:02:13.880 --> 02:02:16.439 I don't want this one, or anything like that before 2320 02:02:17.880 --> 02:02:21.600 or did you just automatically assume he was ordering. 2321 02:02:21.359 --> 02:02:24.880 One No, when we were talking to the showcases, that 2322 02:02:26.000 --> 02:02:27.880 I'm going to get a new one, right with the 2323 02:02:27.960 --> 02:02:29.479 case with the instructions. 2324 02:02:29.920 --> 02:02:33.319 You specifically said, I'm going to get a new one, 2325 02:02:33.439 --> 02:02:38.239 right I did. Will that guy that wided on you 2326 02:02:38.399 --> 02:02:38.880 admit that. 2327 02:02:41.199 --> 02:02:41.680 I don't know? 2328 02:02:43.119 --> 02:02:46.800 I didn't, George, It's not going to be black and white, man, 2329 02:02:47.159 --> 02:02:47.439 It's not. 2330 02:02:48.439 --> 02:02:50.199 Now, that's what I was not. 2331 02:02:51.399 --> 02:02:54.479 Here's what I would do if I were you. I 2332 02:02:54.600 --> 02:02:58.000 would do it, unless you have to sign a release. 2333 02:02:58.600 --> 02:03:01.359 I would do it. Have him retain that money and 2334 02:03:01.479 --> 02:03:04.239 go after it. But to go after in small claims 2335 02:03:04.279 --> 02:03:08.560 course fifty bucks or just leave everything where it is 2336 02:03:08.600 --> 02:03:10.319 and go after the nine to fifty. But it's going 2337 02:03:10.399 --> 02:03:12.479 to cost you fifty bucks for small claims court. If 2338 02:03:12.479 --> 02:03:14.880 you get that back, if you win, you get back 2339 02:03:14.920 --> 02:03:17.520 your filing fee. Are you sure that I had that 2340 02:03:17.680 --> 02:03:19.840 happen in a case I won this past spring. I 2341 02:03:19.920 --> 02:03:21.880 didn't know that they added that, so I sued for 2342 02:03:21.920 --> 02:03:23.560 the limit, the jurisdictional limit. 2343 02:03:23.960 --> 02:03:26.600 I got that award for seventy five hundred, and they 2344 02:03:26.680 --> 02:03:31.359 added all my service, mailing, filing fee, everything. It came 2345 02:03:31.399 --> 02:03:33.680 to another three hundred bucks on top of the seventy 2346 02:03:33.720 --> 02:03:36.239 five hundred. I didn't know that Adams County. 2347 02:03:36.520 --> 02:03:39.039 So, George, you may want to try that, but we 2348 02:03:39.159 --> 02:03:42.439 don't have anything to go after this store. We just 2349 02:03:42.520 --> 02:03:46.199 don't have anything. Your receipt says exactly what he's willing 2350 02:03:46.279 --> 02:03:47.960 to give you. I have to take this break. I'm 2351 02:03:48.000 --> 02:03:54.560 Tom Martine Moore coming up. Go with a sure thing 2352 02:03:54.720 --> 02:03:58.039 Denver's Best roofer excel roofing dot com. You don't pay 2353 02:03:58.079 --> 02:04:02.680 a cent until you're content wait on top of it, 2354 02:04:02.960 --> 02:04:05.520 time for an insurance check up free, no obligation. In 2355 02:04:05.560 --> 02:04:09.439 comparison call Compass Insurance paying too much your coverage at 2356 02:04:09.479 --> 02:04:12.199 dozens of insurance companies find out now three all three 2357 02:04:12.359 --> 02:04:14.920 seven seven to one help. You'll think you're his only 2358 02:04:15.039 --> 02:04:17.479 customer when you choose Frank durand the real estate man 2359 02:04:17.560 --> 02:04:20.960 dot com to list your home with Remax Alliance three 2360 02:04:21.039 --> 02:04:28.640 all three nine two zero sixteen twenty two. Hi Tom Martino, 2361 02:04:28.760 --> 02:04:32.439 you're a troubleshooter. Three O three seven one three talks 2362 02:04:32.439 --> 02:04:35.359 seven one three eight two five five. Okay, let me 2363 02:04:35.439 --> 02:04:37.479 go to the phones here. I got a lot of 2364 02:04:37.520 --> 02:04:41.039 people calling here, so George. Wait, did I just talk 2365 02:04:41.119 --> 02:04:44.239 to George with a gun issue? Okay, that's what we said, 2366 02:04:44.359 --> 02:04:46.279 Small claims Court yours. I don't know what else to 2367 02:04:46.359 --> 02:04:46.520 tell you. 2368 02:04:46.600 --> 02:04:46.720 Bro. 2369 02:04:47.800 --> 02:04:50.840 Now I'm gonna go to Heidi. Who's next, Heidi? Go ahead? 2370 02:04:50.880 --> 02:04:52.079 What's going on with you? Heidi? 2371 02:04:53.680 --> 02:04:56.680 I com II. My family's always been a fan of 2372 02:04:56.760 --> 02:04:58.479 yours for years and years and years. 2373 02:04:58.560 --> 02:04:58.800 Thank you. 2374 02:04:59.359 --> 02:05:02.640 It's tough what's going on under these centers? 2375 02:05:02.680 --> 02:05:05.039 Well, I know you're probably gonna. 2376 02:05:04.800 --> 02:05:05.840 Get frustrated with me. 2377 02:05:05.920 --> 02:05:10.520 To bear with me, all right, I had Okay, let 2378 02:05:10.600 --> 02:05:11.319 me just start. 2379 02:05:11.119 --> 02:05:15.479 For telling you that I'm by myself very vulnerable. Both 2380 02:05:15.520 --> 02:05:17.680 of my parents died at the same time, and around that. 2381 02:05:17.760 --> 02:05:21.560 Time, I was a mess, right, blah blah blah. That's 2382 02:05:21.600 --> 02:05:23.239 a whole nother thing that I want you to listen 2383 02:05:23.239 --> 02:05:24.079 to maybe one day. 2384 02:05:24.239 --> 02:05:28.680 Can Anyway, I had filed. I didn't have any money. 2385 02:05:28.680 --> 02:05:30.720 I was living in motels well. 2386 02:05:30.640 --> 02:05:32.680 And I know my dad had, and I know my 2387 02:05:32.800 --> 02:05:33.399 dad had. 2388 02:05:34.520 --> 02:05:37.319 Money that I should have received, but I never did. 2389 02:05:37.720 --> 02:05:39.000 There's so much into that. 2390 02:05:39.159 --> 02:05:41.600 But the one that I wanted that I'm calling about 2391 02:05:41.640 --> 02:05:47.439 today is I had applied for a loan at online 2392 02:05:47.520 --> 02:05:50.319 you know those apps or those advertisements. 2393 02:05:51.319 --> 02:05:51.640 What did you? 2394 02:05:51.840 --> 02:05:54.640 Did you apply for a personal loan or some kind 2395 02:05:54.680 --> 02:05:57.239 of mortgage for a house? Just a personal loan? 2396 02:05:57.359 --> 02:06:00.920 No? No, yeah, just like a just like a fast 2397 02:06:01.039 --> 02:06:01.960 cast type. 2398 02:06:03.600 --> 02:06:05.560 Like if you need money right now and you're an emergency. 2399 02:06:05.880 --> 02:06:08.439 I was like, whoa crap, Yeah, I'm an emergency. I'm 2400 02:06:08.439 --> 02:06:10.720 all by myself in a motel in a creepy neighborhood. 2401 02:06:10.920 --> 02:06:13.880 I'm scared to death. Man, I lost my parents, my 2402 02:06:14.039 --> 02:06:16.079 kids are all out of state. My two children are 2403 02:06:16.079 --> 02:06:18.960 growing on their own that they think I'm nuts anyway, 2404 02:06:19.000 --> 02:06:21.560 since my parents died, so I'm like, oh, crap, I 2405 02:06:21.720 --> 02:06:24.039 need to help help me. So I applied for one 2406 02:06:24.079 --> 02:06:25.439 of those lending Tree things. 2407 02:06:26.119 --> 02:06:28.359 Wait ho ho ho ho ho ho. Wait wait wait 2408 02:06:28.439 --> 02:06:32.840 wait lending Tree was that the actual place you went? 2409 02:06:33.000 --> 02:06:38.399 Lending Tree on the line. Yes, they don't do they 2410 02:06:38.479 --> 02:06:41.840 don't do person lending Tree does not do personal loans. 2411 02:06:43.079 --> 02:06:44.680 They're the middle guy, right, No. 2412 02:06:44.840 --> 02:06:47.560 They don't do anything. They do not do personal loans. 2413 02:06:48.520 --> 02:06:49.640 Well, they ripped me off. 2414 02:06:50.199 --> 02:06:54.039 Okay, okay, hold on, just hiding. Hold on, Heidi, Heidi, 2415 02:06:54.560 --> 02:06:57.800 let's slow down. I need to know who you actually 2416 02:06:58.000 --> 02:07:00.439 dealt with. I need to know the way site. 2417 02:07:01.920 --> 02:07:02.199 Okay. 2418 02:07:02.319 --> 02:07:03.479 The website is. 2419 02:07:06.439 --> 02:07:14.479 Lending Tree, uh, since ninety five at gmail dot com. 2420 02:07:15.039 --> 02:07:18.039 Oh okay, hold on, hold on, hold on. Did you 2421 02:07:18.199 --> 02:07:21.439 actually go to a website to apply or did you 2422 02:07:21.560 --> 02:07:22.560 do this by email? 2423 02:07:24.279 --> 02:07:25.680 I did it on a website. 2424 02:07:26.680 --> 02:07:29.000 What is the website? If I want to go look 2425 02:07:29.039 --> 02:07:29.239 at it? 2426 02:07:29.399 --> 02:07:31.640 What is it? 2427 02:07:31.720 --> 02:07:32.159 Gets true? 2428 02:07:32.399 --> 02:07:36.920 Just tell me, Heidi, lending World dot com. Okay, then 2429 02:07:37.000 --> 02:07:41.239 it's not lending Tree. Can we agree on that? Thank you? 2430 02:07:41.359 --> 02:07:43.640 But it's both of them. 2431 02:07:44.000 --> 02:07:47.000 It is no, it is no, it isn't. No, it isn't. 2432 02:07:47.399 --> 02:07:51.479 They're lying to you. It's not lending Tree. Okay. So 2433 02:07:51.760 --> 02:07:56.359 Lendingworld dot com. So what happened at Lendingworld dot com? 2434 02:07:57.039 --> 02:07:57.359 They have? 2435 02:07:57.960 --> 02:07:58.239 They have? 2436 02:07:58.680 --> 02:08:00.960 Uh? First of all, I can't even find a lending 2437 02:08:01.039 --> 02:08:03.560 World dot com. It's a you are all that's not taken. 2438 02:08:04.520 --> 02:08:08.279 So who I need to know? The actual website you 2439 02:08:08.399 --> 02:08:08.720 went to. 2440 02:08:11.039 --> 02:08:13.600 The actual website I went to was. 2441 02:08:16.159 --> 02:08:17.800 Uhlen uh. 2442 02:08:21.960 --> 02:08:33.039 Lending lending. The actual website is www. Bard Flash dot 2443 02:08:33.279 --> 02:08:37.640 lending World. The website is what it says. 2444 02:08:38.079 --> 02:08:43.239 Wait and lending hold on hold, just wait, Lendingworld dot 2445 02:08:43.560 --> 02:08:47.640 website dot does exist. Okay, yeah, I'm there now I 2446 02:08:47.840 --> 02:08:50.880 see it. Okay, now I'm here, And so this is 2447 02:08:51.000 --> 02:08:54.079 where What did you do after you came to this site? 2448 02:08:56.079 --> 02:08:59.279 I went ahead and submitted my information, my social and 2449 02:08:59.399 --> 02:09:01.560 all that for the lad Then what. 2450 02:09:04.039 --> 02:09:04.640 I got an. 2451 02:09:04.560 --> 02:09:09.039 Email and stating that thank you for your interest. 2452 02:09:08.960 --> 02:09:15.399 In And that was the email that said lending World right. Yes, 2453 02:09:15.760 --> 02:09:18.680 Oh no, I said lending Tree. I'm sorry, said lending 2454 02:09:18.760 --> 02:09:19.640 Tree or something. 2455 02:09:21.079 --> 02:09:24.000 Yeah. Okay, So I went to lending World dot com 2456 02:09:24.279 --> 02:09:25.079 and I applied. 2457 02:09:25.840 --> 02:09:30.600 I went to Lendingworld dot website and you applied, yes, sir? 2458 02:09:31.119 --> 02:09:34.159 And then what happened? Did they ask for money upfront? 2459 02:09:36.039 --> 02:09:36.239 Yes? 2460 02:09:36.720 --> 02:09:37.159 How much? 2461 02:09:38.800 --> 02:09:39.399 Six hundred. 2462 02:09:39.880 --> 02:09:42.000 Where did you get six hundred? If you were out 2463 02:09:42.399 --> 02:09:42.880 of money? 2464 02:09:43.239 --> 02:09:47.039 I borrowed from my friend. I was supported you to 2465 02:09:47.079 --> 02:09:48.960 borrow some money from my friend. Little by the way, 2466 02:09:48.960 --> 02:09:49.479 I told him. 2467 02:09:49.399 --> 02:09:50.359 What's how much? 2468 02:09:51.359 --> 02:09:54.319 Okay? Hold on? How much were you? How much were 2469 02:09:54.399 --> 02:09:55.399 you going to borrow. 2470 02:09:56.720 --> 02:09:57.359 Ten thousand? 2471 02:09:58.199 --> 02:09:59.600 And what were you going to do? How were you 2472 02:09:59.640 --> 02:10:01.680 going to pay back ten thousand with no job? 2473 02:10:04.000 --> 02:10:08.800 I was going to try it because I have just to. 2474 02:10:08.840 --> 02:10:11.119 Answer me the question. I don't need excuse, I just 2475 02:10:11.239 --> 02:10:13.960 need how were you going to pay back? With no job, 2476 02:10:14.159 --> 02:10:16.800 no money, no bank, nothing, How were you going to 2477 02:10:16.880 --> 02:10:19.159 pay back ten thousand dollars? 2478 02:10:20.520 --> 02:10:23.319 I had a little job at a gas station part time, 2479 02:10:23.399 --> 02:10:25.399 and I was going to send them out of my paycheck. 2480 02:10:26.079 --> 02:10:31.640 Okay. And you thought that you would qualify with no credit, 2481 02:10:31.960 --> 02:10:35.920 no money, and working at a gas station, you thought 2482 02:10:36.000 --> 02:10:40.399 you would qualify for a personal loan unsecured of ten 2483 02:10:40.479 --> 02:10:41.279 thousand dollars? 2484 02:10:42.439 --> 02:10:44.159 Yeah, because they said I would. 2485 02:10:44.319 --> 02:10:46.680 I Oh my god, they said you would, then it 2486 02:10:46.800 --> 02:10:50.239 must be true. I'm making fun here a little, Heidi, 2487 02:10:50.359 --> 02:10:53.439 because obviously they were lying to you. Hold on, okay, 2488 02:10:53.479 --> 02:10:55.680 I'll come right back to you. I'm not trying to 2489 02:10:55.720 --> 02:10:57.960 be mean. Okay, we got to figure out what to do, 2490 02:10:58.359 --> 02:11:00.319 and I hope to God I can do something. I 2491 02:11:00.439 --> 02:11:00.760 really do. 2492 02:11:01.199 --> 02:11:01.640 Hold on. 2493 02:11:08.239 --> 02:11:11.479 Go with a sure thing Denver's Best roofer Excel roofing 2494 02:11:11.600 --> 02:11:14.239 dot com. You don't pay a cent until you're content. 2495 02:11:17.640 --> 02:11:20.760 Time for an insurance check up free, no obligation. In comparison, 2496 02:11:20.960 --> 02:11:24.479 call Compass Insurance paying too much your coverage at dozens 2497 02:11:24.520 --> 02:11:27.239 of insurance companies find out now three all three seven 2498 02:11:27.359 --> 02:11:30.159 seven to one. Help. You'll think you're his only customer 2499 02:11:30.199 --> 02:11:32.359 when you choose Frank durand the real estate Man dot 2500 02:11:32.479 --> 02:11:35.800 com to list your home with Remax Alliance three oh 2501 02:11:35.840 --> 02:11:43.920 three nine two zero sixteen twenty two. Hi, Tom Martino, 2502 02:11:45.119 --> 02:11:48.439 you're troubleshooter three all three seven one three talk seven 2503 02:11:48.479 --> 02:11:51.560 one three eight two five five God, I had so 2504 02:11:51.720 --> 02:11:53.279 much I wanted to talk about today, but I have 2505 02:11:53.399 --> 02:11:56.520 callers I need to get to first. But man, do 2506 02:11:56.640 --> 02:11:59.079 I have a lot to say about things and really 2507 02:11:59.159 --> 02:12:05.640 good information I found? So right now, Heidi, we examine 2508 02:12:05.640 --> 02:12:10.800 this site. Heidi, listen. Okay, did you call because you 2509 02:12:10.840 --> 02:12:15.600 wanted to get your six hundred back? I'd like to you, 2510 02:12:15.720 --> 02:12:20.479 won't you were so? Heidi? I just want to be 2511 02:12:20.560 --> 02:12:22.720 honest with you because you sound like a nice person. 2512 02:12:23.359 --> 02:12:27.000 You really, honest to God, have been so completely ripped off. 2513 02:12:27.479 --> 02:12:30.920 They have so many misspellings and derivations wrong. I swear 2514 02:12:30.960 --> 02:12:33.840 to God, I would think Mark Major wrote this. I'm 2515 02:12:33.960 --> 02:12:37.640 just kidding. No, seriously, this thing is out of some 2516 02:12:37.800 --> 02:12:42.800 foreign country. They honest, it's a complete fake, fabricated site. 2517 02:12:43.319 --> 02:12:45.399 I'll bet you they never did one loan in their 2518 02:12:45.520 --> 02:12:50.079 entire lives. They collect fees and they're probably offshore. Okay, 2519 02:12:50.720 --> 02:12:52.840 we're never going to get you. We're just never going 2520 02:12:52.920 --> 02:12:53.800 to get your money back. 2521 02:12:55.800 --> 02:12:56.119 Okay. 2522 02:12:57.079 --> 02:13:00.640 Now I have to ask a few questions. How long 2523 02:13:01.560 --> 02:13:03.239 have your parents been deceased? 2524 02:13:04.800 --> 02:13:05.319 Two years? 2525 02:13:06.359 --> 02:13:09.119 How have you been living? Do you have any kind 2526 02:13:09.159 --> 02:13:10.199 of income whatsoever? 2527 02:13:11.800 --> 02:13:11.840 No? 2528 02:13:12.560 --> 02:13:15.640 Then how did you live? Now? I'm asking these questions 2529 02:13:15.640 --> 02:13:17.680 because I need to know how have you lived for 2530 02:13:17.760 --> 02:13:19.359 two years without any money? 2531 02:13:20.880 --> 02:13:23.479 But I have a best friend who has been meeting 2532 02:13:23.560 --> 02:13:25.720 me stay with them with his family. 2533 02:13:26.159 --> 02:13:28.119 And how do you know this best friend that is 2534 02:13:28.159 --> 02:13:30.520 a wonderful person. They let you live there. 2535 02:13:32.159 --> 02:13:35.520 Yeah, they're very nice, very very kind people that I've 2536 02:13:35.560 --> 02:13:37.520 grown close to, like a family of my own. 2537 02:13:38.039 --> 02:13:42.000 You're Heidi, God bless them. Now do you work? 2538 02:13:44.039 --> 02:13:44.079 No? 2539 02:13:45.560 --> 02:13:47.640 How come you don't work? Why don't you work? 2540 02:13:49.319 --> 02:13:52.960 I don't feel mentally stable right now? 2541 02:13:53.720 --> 02:13:59.399 Okay, have you gotten some counseling or help? No? Are 2542 02:13:59.439 --> 02:14:04.520 you on metadd Yes? Good. You can get some mental 2543 02:14:04.600 --> 02:14:12.039 health counseling with medicaid. Heidi, I want to help you. Okay, 2544 02:14:12.840 --> 02:14:15.359 this doesn't have to be our last conversation. But you 2545 02:14:15.520 --> 02:14:18.119 have to get some help for your depression. Okay, you 2546 02:14:18.239 --> 02:14:20.920 really do. It's free, you have Medicaid. You can get 2547 02:14:20.960 --> 02:14:21.359 it done. 2548 02:14:22.279 --> 02:14:22.439 Now. 2549 02:14:22.960 --> 02:14:25.840 Okay, what kind of work if you were happy or 2550 02:14:25.920 --> 02:14:27.760 could you do? What are you qualified to do? 2551 02:14:30.720 --> 02:14:34.119 I have a college education. I work for the Denver 2552 02:14:34.239 --> 02:14:35.760 Water Department for twelve years. 2553 02:14:35.840 --> 02:14:39.640 And then all, okay government, okay, what is your education in. 2554 02:14:42.039 --> 02:14:42.479 Business? 2555 02:14:42.560 --> 02:14:44.439 Accounting and budgeting? 2556 02:14:45.279 --> 02:14:47.479 Come on? Really, Heidi? Really? 2557 02:14:47.920 --> 02:14:48.159 Yeah? 2558 02:14:48.960 --> 02:14:49.800 Yes, I know. 2559 02:14:49.960 --> 02:14:51.760 I'm a very intelligent woman. 2560 02:14:51.840 --> 02:14:52.439 I really am. 2561 02:14:52.520 --> 02:14:55.119 Itged just when I lost my family. 2562 02:14:54.880 --> 02:14:58.079 I just like, no, I know, Heidi, Heidi? How old 2563 02:14:58.119 --> 02:14:59.560 are you? Heidi? How old are you? 2564 02:15:00.880 --> 02:15:01.399 Forty eight? 2565 02:15:02.399 --> 02:15:04.479 It sounds like you're crying when you're talking. 2566 02:15:06.039 --> 02:15:08.960 I know, and I try to not do that because no, 2567 02:15:09.279 --> 02:15:09.600 hold on. 2568 02:15:09.680 --> 02:15:12.319 Hold on, as Yodas says, there is no try. Just 2569 02:15:12.399 --> 02:15:16.960 don't do it. You sound you sound you're way smarter 2570 02:15:17.439 --> 02:15:20.000 than you sound because of that, and you have a 2571 02:15:20.079 --> 02:15:24.199 college education, then Heidi, then let's kick some ass and 2572 02:15:24.319 --> 02:15:26.920 start going. If you have friends right now, thank god 2573 02:15:27.039 --> 02:15:29.520 you have friends. So if you start working, you can 2574 02:15:29.560 --> 02:15:32.279 save a little and get your own place. Okay, I 2575 02:15:32.359 --> 02:15:36.159 mean I don't think it's impossible. I think that we 2576 02:15:36.319 --> 02:15:38.159 might be able to even find you work if you 2577 02:15:38.199 --> 02:15:42.359 can straighten life out. Now, are you on drugs or alcohol? No? 2578 02:15:43.079 --> 02:15:43.640 Are you sure? 2579 02:15:45.359 --> 02:15:45.560 Yes? 2580 02:15:46.199 --> 02:15:50.880 Okay, no drugs, no alcohol. What do you do every 2581 02:15:51.199 --> 02:15:56.560 What do you do every day? You worry about yourself? 2582 02:15:59.279 --> 02:16:03.199 I'm writing, I'm trying to write a book. I really 2583 02:16:03.239 --> 02:16:08.119 want to finish this about what about You're going to 2584 02:16:08.199 --> 02:16:10.800 think I'm freaking crazy, Tom, You'll probably already do what 2585 02:16:13.920 --> 02:16:18.039 spirituality things that I've witnessed during. 2586 02:16:17.960 --> 02:16:21.039 My time, Like, I don't think you're crazy. There's nothing 2587 02:16:21.079 --> 02:16:24.960 wrong with having a passion. But please do me a favor, Heidi. Seriously, 2588 02:16:25.640 --> 02:16:30.800 I want you to seek out mental health counseling, a 2589 02:16:30.960 --> 02:16:34.600 counselor that takes medicaid. I'm really serious. If you do 2590 02:16:34.760 --> 02:16:37.639 that and show me you have an appointment, I will 2591 02:16:37.680 --> 02:16:40.520 help you with the next step, and that'll be helping 2592 02:16:40.559 --> 02:16:44.559 you get a job and even helping you find some 2593 02:16:45.440 --> 02:16:47.879 food and other things. But I want you you have 2594 02:16:48.079 --> 02:16:52.559 to take the first step now, Kachina. Give her, at 2595 02:16:52.600 --> 02:16:55.559 the risk of being insane, give her my Google number 2596 02:16:56.479 --> 02:16:59.040 and you can text me here Heidi, Okay, do you 2597 02:16:59.120 --> 02:17:02.440 have a phone to text me? Okay, I'll give I'll 2598 02:17:02.479 --> 02:17:04.399 give you the number on the air here it is okay, 2599 02:17:05.319 --> 02:17:07.000 you can tell you this is my that goes to 2600 02:17:07.079 --> 02:17:16.799 my personal phone. It's a text seven four seven fifty 2601 02:17:16.840 --> 02:17:23.520 to eighty Okay, So that's okay, So hang on us 2602 02:17:24.600 --> 02:17:27.000 and call me back. Text me with anything you need. 2603 02:17:27.959 --> 02:17:31.159 Get off the phone right now. Medicaid will cover mental 2604 02:17:31.239 --> 02:17:35.959 health counseling somewhere no matter where you go. If it's 2605 02:17:36.040 --> 02:17:39.360 covered by Medicaid, make an appointment and then let me 2606 02:17:39.479 --> 02:17:42.079 know and I'll give you the steps to get out 2607 02:17:42.079 --> 02:17:44.760 of this rut. Okay, please, You're not going to borrow 2608 02:17:44.840 --> 02:17:49.399 yourself out of trouble. Ever. It never happens. Never. I'm 2609 02:17:49.479 --> 02:17:55.079 Tom Martine. Listen. I started my Wave eight financial my 2610 02:17:55.319 --> 02:17:59.159 Wave eight wealth management because I was frustrated with the industry. 2611 02:17:59.200 --> 02:18:01.879 I started as six years ago. I went public just recently. 2612 02:18:02.559 --> 02:18:04.719 I've been helping a lot of people, but I'm gonna 2613 02:18:04.719 --> 02:18:07.360 warn you. Okay, if you want the truth, you can 2614 02:18:07.440 --> 02:18:10.120 come to me. Some people said, wait a minute. You 2615 02:18:10.159 --> 02:18:12.600 know they didn't like the bad news, and I'm not 2616 02:18:12.680 --> 02:18:15.799 even trying to get their business. Some people shouldn't be investing. 2617 02:18:15.920 --> 02:18:18.520 Some people know how to do it themselves. I will 2618 02:18:18.680 --> 02:18:22.799 help you by looking at what you're doing and giving 2619 02:18:22.879 --> 02:18:26.040 you God's honest information. My goal here is not to 2620 02:18:26.079 --> 02:18:27.879 get rich off if you My goal is to help 2621 02:18:27.959 --> 02:18:31.319 you as I help myself, and we do make money 2622 02:18:31.399 --> 02:18:34.040 on this. By the way, it is a business, but 2623 02:18:34.239 --> 02:18:38.440 you only thrive by helping others. If you want someone 2624 02:18:38.680 --> 02:18:42.840 honest who has their own money invested right along with yours, 2625 02:18:43.280 --> 02:18:46.120 then please look it up. Drop us a note. You 2626 02:18:46.280 --> 02:18:48.799 can text me even at my Google number. You can 2627 02:18:48.840 --> 02:18:52.000 text me there, or you can text your call three 2628 02:18:52.239 --> 02:18:57.239 oh three seven seven to one help seven seven one 2629 02:18:57.360 --> 02:19:00.440 four three five seven. That's three oh three and seven 2630 02:19:00.479 --> 02:19:03.360 to one help. There is no obligation. I don't care 2631 02:19:03.399 --> 02:19:07.280 if you have one hundred dollars or one hundred million dollars. Seriously, 2632 02:19:07.360 --> 02:19:10.159 there is no obligation to talk to us. You might 2633 02:19:10.319 --> 02:19:13.280 find it very enlightening. Three o three seven seven to one. 2634 02:19:14.200 --> 02:19:17.879 Help go with a sure thing Denver's Best roofer Excel 2635 02:19:18.000 --> 02:19:21.040 Roofing dot com. You don't pay a cent until you're content. 2636 02:19:24.440 --> 02:19:27.959 Time for an insurance checkup free no obligation comparison call 2637 02:19:28.079 --> 02:19:31.360 Compass Insurance paying too much your coverage at dozens of 2638 02:19:31.440 --> 02:19:34.360 insurance companies find out now three oh three seven seven 2639 02:19:34.399 --> 02:19:37.159 to one. Help. You'll think you're his only customer when 2640 02:19:37.200 --> 02:19:39.440 you choose Frank Durand the real estate Man dot com 2641 02:19:39.680 --> 02:19:42.799 to list your home with Remax Alliance three oh three 2642 02:19:42.879 --> 02:19:47.799 nine two zero sixteen twenty two. I'm Tom Martinez. We 2643 02:19:47.840 --> 02:19:49.600 don't have much time, so I'm going to say goodbye 2644 02:19:49.680 --> 02:19:53.920 to uh, the guy that broke my camera. Dan McKenzie 2645 02:19:54.959 --> 02:19:59.079 mackenzie law. Dan. People always ask this, Okay, I'm just 2646 02:19:59.159 --> 02:20:01.840 gonna come right out. They want to know about consultations 2647 02:20:01.879 --> 02:20:04.159 because a lot of people say free consultations. So let's 2648 02:20:04.159 --> 02:20:06.120 get it right out there. How do you work when 2649 02:20:06.159 --> 02:20:07.079 people want to talk to you? 2650 02:20:07.760 --> 02:20:10.719 So we do have a free consultation with our paralegals, 2651 02:20:10.760 --> 02:20:12.520 just to find out what the deal is, whether we 2652 02:20:12.639 --> 02:20:13.360 might be helpful. 2653 02:20:13.520 --> 02:20:14.719 Will you give him an estimate. 2654 02:20:14.799 --> 02:20:17.239 After that, yes, they can give an estimate, and then 2655 02:20:17.760 --> 02:20:19.399 if they do want to meet with a lawyer, there 2656 02:20:19.559 --> 02:20:21.719 is a fee. That fee would apply to the plan 2657 02:20:21.799 --> 02:20:22.479 that they end up doing. 2658 02:20:22.559 --> 02:20:26.000 Okay, so it's all paid for something, right, Okay, that's 2659 02:20:26.040 --> 02:20:29.399 just a free option. Now again, people, I always say 2660 02:20:29.479 --> 02:20:32.280 this because he is live and local. In fact, I 2661 02:20:32.440 --> 02:20:34.399 call it a boutique kind of firm. I mean, you 2662 02:20:34.520 --> 02:20:37.239 get to talk to Dan, and he's accessible and he's 2663 02:20:37.280 --> 02:20:41.719 got his people working with him. But the number sounds national, 2664 02:20:41.879 --> 02:20:44.840 sounds like, you know, it's some, but it's I think 2665 02:20:44.840 --> 02:20:48.840 it's brilliant. By the way, eight three to three co plans. 2666 02:20:49.120 --> 02:20:50.959 But whenever I give that number out, some people say, 2667 02:20:51.040 --> 02:20:56.360 is he local? Yeah, he is eight three three C plans. 2668 02:20:56.680 --> 02:20:56.840 You know. 2669 02:20:56.920 --> 02:20:59.319 The good thing about a state law, you know, there's 2670 02:20:59.360 --> 02:21:01.959 not quarter peers or trials or stuff. I mean, unless 2671 02:21:02.040 --> 02:21:04.280 you get into a contested probate and stuff. But what 2672 02:21:04.360 --> 02:21:06.719 we're talking about is you don't need to go to 2673 02:21:06.840 --> 02:21:08.319 his office that much. Martino