Speaker 1: Ripped off, you need advice.
Speaker 2: You don't help, come running just as fast as you can.
Speaker 2: Shooter's gonna help.
Speaker 1: Come, man, this is the Troubleshooter Show. No Tom Martinez, welcome, Welcome,
Speaker 1: my friends to the Only Shovin's Time. We're here to
Speaker 1: solve problems, answer questions, take complaints. Our goal in life
Speaker 1: is to make your life. That's right, your life just
Speaker 1: a little bit better. You've been ripped off, maybe a
Speaker 1: contractor showed up, decided not to do any work, or
Speaker 1: did horrible work, and you need help. You need help
Speaker 1: trying to recoup that money. You need help, maybe trying
Speaker 1: to just find the guy to finish the job. That
Speaker 1: is what we're here for. We use the power of
Speaker 1: the media to go after well. I'll put it like this,
Speaker 1: the scumbag said, don't do what's right. That's what we do,
Speaker 1: and we do it every day, day in, day out.
Speaker 1: Maybe you got a problem with the landlord, maybe you
Speaker 1: just got a financial question. Maybe you've got something to
Speaker 1: say about where we live, because I do. Right now,
Speaker 1: what happened to Mike Kaufman and our governor saying that
Speaker 1: this gang thing was just overrated? Remember when Trump was
Speaker 1: here in town in Aurora, and there was about fifty
Speaker 1: thousand people lined up to see him. Susanna and I
Speaker 1: were there. In fact, we were the front of the
Speaker 1: standing row. We did in line eight hours, absolutely amazing.
Speaker 1: We listened to him talk about it. Then later on
Speaker 1: the news we heard Kaufman, by the way, which is
Speaker 1: a Republican, which is mind blowing. He might as well
Speaker 1: be Liz Cheney actually, but what we had to hear
Speaker 1: from him was, Oh, it's blown out of proportion. There's
Speaker 1: nothing going on here, nothing at all. It's only a
Speaker 1: handful of people, a couple people. Paulus said the same thing.
Speaker 1: And now we find out fourteen of them or nineteen
Speaker 1: suspects I'm reading now nineteen suspect Aurora home invasion stab
Speaker 1: people pulled their fingernails off. Can you imagine, guys? Can
Speaker 1: you imagine how that would feel? And of course these
Speaker 1: were immigrants they were targeting, probably from the same country
Speaker 1: they are. It's absolutely unbelievable what this town has become.
Speaker 1: I don't understand why. I do think they are dealing
Speaker 1: with ice right now. I think they are going to
Speaker 1: allow ice in to remove these people. But would they
Speaker 1: do that in Denver? This is Aurora, but Denver's still not.
Speaker 1: I don't know what. I would love to know what
Speaker 1: Polish thinks of that. So you apprehend nineteen gang members
Speaker 1: that tortured illegal immigrants that are terrified to be here.
Speaker 1: They were probably dropped off in that apartment complex by
Speaker 1: our own government, probably by Polish. I mean, I don't
Speaker 1: know by somebody think about that. Frank durand the real
Speaker 1: estate man joins me, Frank, what do you think when
Speaker 1: I start to show off with something like that?
Speaker 3: It's mind blowing, brother. You know, it's really tough to see.
Speaker 1: You know, we were told there's nothing going on. Don't
Speaker 1: believe your lyon eyes. Look over here, and now once again,
Speaker 1: national news across the entire country. Nineteen people, fingernails pulled out,
Speaker 1: people tried to warn us, but nope, nothing here to see.
Speaker 1: Don't worry about it. We're Denver, We're sanctuary city. I
Speaker 1: realized this was Aurora, but same thing. Honest to goodness,
Speaker 1: I just can't believe what this has become in this
Speaker 1: doc any thoughts on the whole thing. You've lived in
Speaker 1: Colorado about as long as I have.
Speaker 4: It's just it's mind boggling the minds of these liberal,
Speaker 4: progressive people who don't understand the repercussions of what they're doing.
Speaker 1: I just can't understand it either, Suzanne, what are your
Speaker 1: thoughts are?
Speaker 5: I think they need to turn the people over to ICE.
Speaker 1: Wat I'm out of here. I think they are turning
Speaker 1: these people over. But I'd be really curious how Denver
Speaker 1: would do this if this happened in Denver, I mean
Speaker 1: I really would, would Denver actually turn him over to ICE?
Speaker 1: How about New York City? I guess I guess he's
Speaker 1: gonna be working with him.
Speaker 4: I would love to hear somebody, if they're listening in
Speaker 4: the audience, why somebody who is here illegally and commits
Speaker 4: a violent crime should not be deported.
Speaker 1: Now I have no idea why.
Speaker 4: Yeah, I would love to hear somebody who believes that.
Speaker 4: I mean, we're not talking about Polish. I'm here, gets
Speaker 4: a job and tries to raise a family.
Speaker 1: Polis is Mike, who's the Who's the mayor of Denver?
Speaker 6: Now?
Speaker 1: I forget his name? Johnson?
Speaker 7: Yeah, I would love to hear why should.
Speaker 1: He said he was going to fight it. He said
Speaker 1: he's gonna get people to stand on the border and
Speaker 1: fight Ice. Ah what kind of moron says that? Well,
Speaker 1: and in no offense. I do watch Kyle Clark. I
Speaker 1: watch that next, and Suzanne thinks it's funny. I watch
Speaker 1: it because he always gets me in an uproar. I'm
Speaker 1: always screaming at him. But I find the guy entertaining.
Speaker 1: I think he's pretty good at doing a show, even
Speaker 1: though I disagree with probably every bit of political blood
Speaker 1: that runs through him. But he was one of the
Speaker 1: locals that was saying, oh, there's nothing out there, there's
Speaker 1: no gang members, it's just a couple people. He downplayed it,
Speaker 1: just like everybody. That drives me crazy. And then that's
Speaker 1: what people hear in Colorado. They hear this really didn't happen.
Speaker 1: I mean, this is nuts. It's absolutely nuts. Go ahead, doctor,
Speaker 1: I'm saying.
Speaker 7: It's just progressive bias. It's the news.
Speaker 1: Yeah it is. It's crazy. Three h three, Martino, you've
Speaker 1: got any comments on the non existent gangs right here
Speaker 1: in Colorado that apparently, you know, we're torturing people, you know,
Speaker 1: pulling off fingernails is absolutely insane. And then I think
Speaker 1: the other ones were stabbed, they were all kidnapped, and
Speaker 1: here we are again. Now I did listen to Kyle
Speaker 1: Clark last night. I watched it and he basically told
Speaker 1: the story. He of course didn't talk about the last
Speaker 1: time you talked about it, where you know, nothing was
Speaker 1: going on. It was all overblown and it was just
Speaker 1: a handful of people. But now we're talking a lot
Speaker 1: of people, kidnapping, torture. What else needs to happen here,
Speaker 1: Frank Durant real quick, and we're going to go to
Speaker 1: Rick by the way, we got some lines open. I
Speaker 1: digress three oh three seven three eight two five five.
Speaker 1: That's the phone number, three oh three Martino. I get
Speaker 1: so worked up over this stuff. I need to start
Speaker 1: calming down a little. In fact, Frank, I'll tell you
Speaker 1: what got me worked up a little. In the last
Speaker 1: few days. You were helping me with some negotiations.
Speaker 5: Right.
Speaker 1: Suzanne and I were in Nebraska talk about a small town,
Speaker 1: my god, Scott's Bluff, trying to find a rental there,
Speaker 1: trying to find some property to buy. So we found
Speaker 1: a couple of duplexes. I never heard back from them.
Speaker 1: Well can you believe that I made an offer? I
Speaker 1: literally made a cash offer on two duplexes, probably about
Speaker 1: twenty percent less. I'm trying to do the math here
Speaker 1: about twenty percent less and what they were asking. Nothing
Speaker 1: moves there. I mean, it's really crazy. I even reached
Speaker 1: out to one of our experts when it comes to
Speaker 1: investments in property, Barry over at vest Eira, and he said,
Speaker 1: there's really no economy there. It's a very small town.
Speaker 1: When you go to sell, it's going to be hard.
Speaker 1: But what I couldn't believe is I didn't even get
Speaker 1: a phone call. That's the part that's nuts.
Speaker 3: Well market, it always amazes me when I call certain
Speaker 3: towns it's almost like this laid back town of Maybury.
Speaker 3: This is like they're small, they just don't care. There's
Speaker 3: so relaxed and there's no urgency whatsoever. And that's unfortunate
Speaker 3: the town.
Speaker 1: Actually I found the people there pretty nice, but it
Speaker 1: is a very small town. Man their industry. See, it's
Speaker 1: going to be one of these towns where Walmart is probably,
Speaker 1: if not the largest in employer, maybe the second. But
Speaker 1: there's a big hospital. But the hospital, hey, doc, what
Speaker 1: is this? So we were out there helping our son
Speaker 1: find a place because he's in retail and he's moving there,
Speaker 1: and he said, can you go out? I can't find
Speaker 1: anything online, and sure enough, there is almost nothing online.
Speaker 1: But when we did find him a nice apartment. Finally,
Speaker 1: ninety percent of the people in the complex are short
Speaker 1: term doctors and nurses that go through that hospital. Why
Speaker 1: would people constantly come and go to a certain hospital
Speaker 1: for a short amount of time. I don't understand.
Speaker 4: Because they get paid well. They do what's called locum tenants.
Speaker 4: So locum tenens is when you go in and you
Speaker 4: provide services for a hospital or a town or practice
Speaker 4: that needs needs your help.
Speaker 7: So in other words, let's.
Speaker 1: Say that because no one wants to live there long term.
Speaker 7: Well, let's say there was an obgyn. Yeah, I was
Speaker 7: in the town. I want to go on a vacation
Speaker 7: for two or three weeks.
Speaker 1: You got to bring somebody in.
Speaker 4: Somebody through local tenons. The organization that supplies that pays
Speaker 4: really well, and.
Speaker 7: So you do it for two or three weeks.
Speaker 1: I got you. That's interesting. So they have the hospital,
Speaker 1: they have of course the walmart, and this walmart's so
Speaker 1: busy it's nuts. It must pull from every small farming community.
Speaker 1: It's bigger footprint than anything in Colorado, including d Ia
Speaker 1: Aora everything. It's massive. It's just crazy. And then other
Speaker 1: than that, there's a big sugar factory which I never
Speaker 1: even thought of that it looks like a big cement
Speaker 1: thing outside three O three seven one three A two
Speaker 1: five five. Hey, Rick, what is going on here? It
Speaker 1: says we didn't assign somebody. Get me up to speed, man,
Speaker 1: I just got back in town. Are you talking to me, Rick,
Speaker 1: I'm talking to you, Rick.
Speaker 6: Oh, yes, sir. I it's attempting to retrieve a security
Speaker 6: video at a business idea business with last Wednesday, where
Speaker 6: you know, KENNI had broke my steering column and I
Speaker 6: just wanted to retrieve the video because he did it
Speaker 6: right in the uh, in the in the yard right there.
Speaker 6: He didn't put it in the garage.
Speaker 1: And well, I've got a couple quick questions here. I
Speaker 1: assume you've asked for the video, right.
Speaker 6: No, I haven't.
Speaker 8: I know.
Speaker 1: Why wouldn't you work, for the life of me, explain
Speaker 1: to me why you simply wouldn't ask. I assume they're
Speaker 1: saying they didn't break it. It was already broken. I mean,
Speaker 1: give me a little more. Why do you even want
Speaker 1: the video.
Speaker 6: To show my points of how my steering column got broken?
Speaker 1: Okay? And you think what would show on the video
Speaker 1: the guy took a sledgehammer to it. What happened to it?
Speaker 1: What's wrong with it?
Speaker 6: Well, he turned it all the way too right, which,
Speaker 6: of course, Uh, you know to do some work on
Speaker 6: a right front marker light? Yeah, totally, you know not.
Speaker 6: I mean I had the left one done a year ago.
Speaker 6: They put it on the lift.
Speaker 8: Did it in five minutes?
Speaker 6: Okay, come back to right ones up? He turns a
Speaker 6: wheel pop fish.
Speaker 9: Yeah.
Speaker 6: If I had the video, it would self explain everything.
Speaker 1: It would self explain that they did something wrong and
Speaker 1: actually broke the column.
Speaker 6: It would it would show exactly now.
Speaker 1: You said before it took five minutes, so someone else
Speaker 1: worked on it before. What was wrong with it?
Speaker 6: Then? I didn't say, I said I came in a
Speaker 6: year earlier. Yeah, at the left, the left side marker done,
Speaker 6: It took five minutes. You put the mechanic at the
Speaker 6: same shop, not the same mechanics, but the same shot.
Speaker 6: Hit it in five minutes.
Speaker 1: So when you went to pick it up and it
Speaker 1: was messed up, what are they saying.
Speaker 6: I'm sitting right there watching him do it. I didn't
Speaker 6: go anywhere to come back and pick it up. I'm
Speaker 6: sitting there, and I go and I pay for the
Speaker 6: labor that he charged me for the light forty bucks. Okay,
Speaker 6: I go, get in the car. Your car. The motor
Speaker 6: won't turn on nothing. The steering column is free. It
Speaker 6: turns freely. Okay, it's a twenty eleven Alomobile.
Speaker 1: All right, Hold on, Rick, I'm starting to understand. And
Speaker 1: you were there the whole time. Actually, I do want
Speaker 1: to get Kevin on Kelly three oh three seven one
Speaker 1: three eight two five five. We got a couple lines open.
Speaker 1: You've been ripped off, taking advantage of You gotta scam
Speaker 1: to tell us about you. Get the idea, everybody, hang tight.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free, no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three oh three seven
Speaker 10: seven to one help. You'll think you're his only customer
Speaker 10: when you choose Frank durand the real estate Man dot
Speaker 10: com to list your home with Remax Alliance three oh
Speaker 10: three nine two zero sixteen twenty two.
Speaker 1: All right, three oh three seven one, three eight two
Speaker 1: five five over three hundred million dollars in cash, merchandise
Speaker 1: exchanges and refunds. Now, Rick dropped off. So my understanding
Speaker 1: was he was on before and basically he wants us
Speaker 1: to call over and strong arm these people into getting
Speaker 1: the video. He's convinced they did something wrong. Rick, I
Speaker 1: have no idea if they did something wrong or not.
Speaker 1: But I can tell you this, why you have not
Speaker 1: asked them simply asked them for the video. I have
Speaker 1: no idea. That's one of the first things I asked
Speaker 1: you when you were on and you're like no. So
Speaker 1: I personally, if I on the video, I would ask
Speaker 1: them for the video or ask them to watch it
Speaker 1: with you. If they don't want to give it to you,
Speaker 1: they don't have to give it to you because it's
Speaker 1: not your video. It's not yours. You could take them
Speaker 1: to court, and by the time you get to Discovery
Speaker 1: you could ask for it. It's going to cost you
Speaker 1: a fortune, and on top of that, on top of that,
Speaker 1: I bet the video would disappear. If you know what
Speaker 1: I'm saying, these guys probably won't produce it. If they
Speaker 1: had to if they really did something wrong, and they
Speaker 1: don't want to acknowledge to you that they did do
Speaker 1: something wrong and you ended up in this predicament, Well,
Speaker 1: what makes you think they're ever going to show you
Speaker 1: this video? We've already proven if both of those things
Speaker 1: are correct, they messed up, they broke it. They don't
Speaker 1: want to take responsibility. They're sure as hell not going
Speaker 1: to give you a proof. They've already came out and
Speaker 1: said we're scumbacks. You get what I'm saying, Rick, I mean, honestly,
Speaker 1: I wouldn't mind having one of our people call over,
Speaker 1: but I would still like to understand what the hell
Speaker 1: the problem was. If you're saying, what were they Shannon,
Speaker 1: you heard the original call, I guess or Kelly, what
Speaker 1: were they originally saying?
Speaker 12: It was something with a steering column on a Mercedes?
Speaker 1: Yes, what was it in there?
Speaker 6: For?
Speaker 1: A blinker? A tail light? What the hell were they
Speaker 1: working on?
Speaker 5: Well, he's back on the phone online too.
Speaker 1: If you want to go, Rick, what were they actually
Speaker 1: fixing on your vehicle?
Speaker 6: You're right, marker light?
Speaker 1: Okay, and what does that happen? For the life of me,
Speaker 1: please explain to me what that has to do with
Speaker 1: the steering column, because I'm lost right there.
Speaker 6: Okay, so I drove, I drove in there, and I
Speaker 6: parted the guy. The guy got in and turned to
Speaker 6: steering wheel, turned the car on, turned to steering wheel,
Speaker 6: and he was attempting to put the bible in. Okay,
Speaker 6: he made a The whole brench of popping noise is
Speaker 6: when he's down there, attempted to unscrew it, but nevertheless. Anyway,
Speaker 6: he turns the share and will a couple of times
Speaker 6: he jumps out, he turns it off and then turns
Speaker 6: it again. So after he finishes, I pay it what ap?
Speaker 6: And I come out attempt to start my car?
Speaker 1: What kind of car?
Speaker 13: Is this happen?
Speaker 6: Twenty eleven Mercedes seventy thousand miles.
Speaker 1: I still don't understand the correlation. What do you think
Speaker 1: he did? Do you think he went in there and
Speaker 1: intentionally tried to break it? What do you think he did?
Speaker 14: Rick?
Speaker 10: No?
Speaker 6: No, I think he accidentally did it.
Speaker 1: Wait, but that's where I want to go. Rick, You've
Speaker 1: got to explain this to me. How does one get
Speaker 1: into your car and accidentally break your steering column? How
Speaker 1: does one do.
Speaker 6: That by turning it by.
Speaker 1: Turning the wheel tearing on. So by turning your steering wheel,
Speaker 1: it broke the it broke the column. Yes, okay, by
Speaker 1: turning the steering wheel. Do you understand what you're saying.
Speaker 1: You're saying someone went in there, turn your steering wheel
Speaker 1: and it broke your car. Wouldn't you think your car
Speaker 1: already had an issue at that.
Speaker 6: Point after I just started up five minutes ago and
Speaker 6: he started it up to turn the Where's.
Speaker 1: What I want to do? No, no, no, here's what
Speaker 1: I want to do. I'm going to put them on hold. Rick,
Speaker 1: I'm going to try to help you. Here's what we're
Speaker 1: gonna do, Kelly, I want you to call over and
Speaker 1: see if this shop will come on. I would love
Speaker 1: to talk to him about rick steering column that their
Speaker 1: technician got in turned the wheel and it broke. I
Speaker 1: would love to talk to him. So let's get the
Speaker 1: number over there. Then I'll even assign it to a
Speaker 1: deputy if they don't want to come on, and we'll
Speaker 1: go down this this bunny hole. But Rick, they don't
Speaker 1: have to give you the video that I can promise you.
Speaker 1: But we're going to try to ask them what's going
Speaker 1: on and we'll ask him if we can see the video.
Speaker 1: But the whole story sounds absolutely insane, It really does.
Speaker 1: I mean, Rick, do you understand if you let me
Speaker 1: borrow your car, if you I'm going to put you
Speaker 1: on hold again if you let me borrow your car?
Speaker 1: And I got in there and I turned the steering
Speaker 1: wheel and the whole thing broke. I don't think I
Speaker 1: would be blame for your car. That's not a thing
Speaker 1: a car does normally.
Speaker 6: I agree. Okay, he was watching him do it all
Speaker 6: the time.
Speaker 1: And what did you you were there watching him, What
Speaker 1: did you see? What did you see? What did they do?
Speaker 6: I seen him start my car up yep, turn the
Speaker 6: wheel to the right, yep. Then out see if he
Speaker 6: had asked us to the marker light, yep, then he's out.
Speaker 6: Then he then he got back in the car. He
Speaker 6: didn't start it up. He just cranked the wheel some more,
Speaker 6: tore right. Uh, and then basically that's about it. I mean,
Speaker 6: he started up, but when I.
Speaker 1: Got there, you're saying he broke it. Wait a minute,
Speaker 1: are you alleging he broke it when he turned it
Speaker 1: back and the power was not on the vehicle, It
Speaker 1: wasn't turned on.
Speaker 6: Exactly.
Speaker 1: Okay, hold on, I do want to ask Kevin that question.
Speaker 1: Let's get Kevin on.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up free no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out now three O three seven
Speaker 10: to seven to one.
Speaker 1: Help.
Speaker 10: You'll think you're his only customer when you choose Frank
Speaker 10: durand the real estate Man dot com to list your
Speaker 10: home with Remax Alliance three oh three nine two zero
Speaker 10: sixteen twenty two.
Speaker 15: Hey, don't forget.
Speaker 1: You can go to YouTube. I'm typing Troubleshooter Network watches live.
Speaker 1: During the breaks, we were talking about the drones. We
Speaker 1: were talking about all different kinds of things. Hey, Kevin Colkin,
Speaker 1: I do want to ask you this before I bring
Speaker 1: break back up. First of all, Hey, what's going on?
Speaker 14: Man?
Speaker 1: You doing all right?
Speaker 9: Okay? Yeah, they're good.
Speaker 1: Did you smoke any meat during the weekend? Huh?
Speaker 9: We we did a ham? Oh nice, all right, think
Speaker 9: spiral ham double smoke it and yeah.
Speaker 1: I love him Susanna always gets one of those honey
Speaker 1: baked tam. I think she overspends on it. You can
Speaker 1: go to Costco get the same thing for half the price.
Speaker 9: Twenty bucks, Yeah.
Speaker 1: Twenty bucks. Yeah, she's over here shaking her head like now,
Speaker 1: there's nothing like that.
Speaker 15: There's nothing like a honey baked Tam from the Honey
Speaker 15: Baked Tam company.
Speaker 6: Mark you haven't had my ham there you go?
Speaker 1: Hey, So Kevin, if I hop in a Mercedes twenty
Speaker 1: eleven Mercedes something or other, and I want to do
Speaker 1: the right front tail light or on the tail light,
Speaker 1: the right front marker light or headlight assembly, whatever. So
Speaker 1: I get in, I turned the vehicle on. I cocked
Speaker 1: the wheel over to the right or left so I
Speaker 1: have more access up under the fender. You follow right, yep, yep.
Speaker 1: Then I swap out the light. I'm all done. I
Speaker 1: get back in. I decide, for whatever reason, not to
Speaker 1: turn the vehicle back on, but just to crank the
Speaker 1: wheel straight. What damage would that do? Is that even feasible?
Speaker 9: Well, with a lot of force, yeah, you could break
Speaker 9: the steering lock mechanism.
Speaker 1: Sure, So that's what Rick is saying happened.
Speaker 9: That's a lot of fun. I mean, that's not just
Speaker 9: to grab the wheel and turn. That's that's a big
Speaker 9: boy with two hands on the wheel cranking.
Speaker 1: I mean you're doing I mean you've got it. You
Speaker 1: know you're going to break it. Would you agree with that?
Speaker 9: Yes? Absolutely?
Speaker 15: Now?
Speaker 1: Now Rick, just hearing what Kevin said, why would this
Speaker 1: guy get back in and use every bit of force
Speaker 1: he has to break your steering column? Why would he
Speaker 1: do that?
Speaker 6: Okay, Well, I'll tell you what. Two seconds or he
Speaker 6: turned it on, the power steering turned it on, turned
Speaker 6: the wheel. Now he can ask you wanted to start
Speaker 6: your car up? Okay? And then when I get in
Speaker 6: it to go, the steering columns broke, their car won't
Speaker 6: turn on or nothing else. So I mean, what other
Speaker 6: and what.
Speaker 1: Did they say at this point? Rick?
Speaker 15: Rick?
Speaker 1: What did they say? At this point you go to
Speaker 1: get in, nothing's working.
Speaker 6: What do they say, Oh, he does a diagnostic on it. Okay, Hey,
Speaker 6: the steering wheels broke, the steering wheel columns broke, and
Speaker 6: the module in it or whatever, all the all the
Speaker 6: things that pertains to a steering wheel.
Speaker 1: Low, Well what what what? What's the module? If they did, Rick,
Speaker 1: for the life of me, please just some of these questions.
Speaker 1: Just answer if they gave you or if they did
Speaker 1: a diagnostic on it and then handed you something like what, Kevin,
Speaker 1: what kind of module would that possibly be?
Speaker 9: I want something with the airbag, like clock spring or something.
Speaker 9: I'm not sure what you know.
Speaker 1: What they're talking about. But Rick, didn't you say, hey,
Speaker 1: this thing was working fine till I dropped it off,
Speaker 1: and now it doesn't work. And I've been here the
Speaker 1: whole time. What's going on? Guys? What do they say?
Speaker 9: That's weird?
Speaker 14: Oh?
Speaker 6: He says those So first she says that it might
Speaker 6: be the battery. Now light mind, dude, you've just seen them.
Speaker 1: Wait wait, we're talking just about the wheel not turning anymore.
Speaker 1: Forget about the reason it's not starting. I mean, that
Speaker 1: could be a battery. It could be the ignition got
Speaker 1: broke while and all this happened. I mean, there's like
Speaker 1: every problem in the world right now. But what did
Speaker 1: they say when you drove in and everything's fine, you
Speaker 1: go to put in a marker light and now it
Speaker 1: doesn't start, it doesn't turn, and it's got a million problems.
Speaker 1: Do they go, oh, well, we didn't do anything. What
Speaker 1: do they say?
Speaker 14: Uh?
Speaker 6: They diagnosed. It told me it cost me sixteen dollars.
Speaker 1: Hold On, So, Kelly, did we try reaching out to
Speaker 1: these people? And what's the name of this place? Rick?
Speaker 6: Auto House?
Speaker 8: No auto house?
Speaker 1: What is it?
Speaker 6: I R O Howe Auto House, f I.
Speaker 1: R O fire Row Auto House. Hold on, Yeah, I don't.
Speaker 1: I don't care about the address. Give Kelly, do you
Speaker 1: have the phone number to this place and make sure
Speaker 1: it's the right place? Can you do that for me?
Speaker 1: And I want to call over there see if we
Speaker 1: can't get them on. Look, I can't imagine someone would
Speaker 1: get in, not turn the car on, and put the
Speaker 1: kind of force Kevin's talking about in order to break it. Kevin,
Speaker 1: once again, I mean we're talking. You would know, you
Speaker 1: would simply know not to do it right.
Speaker 9: No, you got to put two feet up against the
Speaker 9: you know, like the firewall and really tug.
Speaker 1: Yeah, I mean you're trying to break it at that point.
Speaker 1: And why would they do that? That makes no sense
Speaker 1: to me. My guess is more of something like this.
Speaker 1: They did the headlight, they get back in and the
Speaker 1: car won't start. No idea why it won't start. But
Speaker 1: something something went awry when they were working on the vehicle,
Speaker 1: but I'm not sure what they could have done wrong
Speaker 1: from the caller's description, I mean, what do you think?
Speaker 9: So? I don't know. He what I remember from the
Speaker 9: earlier call is that he went to Mercedes with the vehicle,
Speaker 9: and that's what I told him, get them to report
Speaker 9: on it, that it's got damaged. You know, did he
Speaker 9: do that? You know? That's what I understood.
Speaker 1: Wait a minute, Okay, hold on, I'm just gonna go
Speaker 1: nuts here. We're going to try to call over there
Speaker 1: because i'd like to hear from the shop. Kevin. I
Speaker 1: appreciate it, and I'm going to ask him that if
Speaker 1: he ever brought it over there, and then, if so,
Speaker 1: what did Mercedes say? Is that something? If he brought
Speaker 1: it to you, you could look at and see what
Speaker 1: the hell happened. I mean, you would never know how
Speaker 1: it broke, though, I guess you could tell if they
Speaker 1: tugged on the wheel so hard it broke, compared to
Speaker 1: if something broke internally that was old.
Speaker 9: Yeah, if you have friends as opposed to worn out parts,
Speaker 9: it could be pretty obvious.
Speaker 1: Yeah, all right, thanks Kevin. Kevin talk and shared in
Speaker 1: Auto Tech Home of the three Year. Listen to this
Speaker 1: three year nationwide warranty parts in labor, everything they do.
Speaker 1: Maybe you need an alternator or break job, want to
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Speaker 1: your car that's reputable and honest and just a good value.
Speaker 1: At Shardanauto tech dot Com, we're trying to get that
Speaker 1: shop on. We're dealing with that in the background. Mary,
Speaker 1: what is this problem with your apartment? And then Alton
Speaker 1: Richmond America Man, we used to get a lot of
Speaker 1: calls on them. When I'm done with Mary, I'll come
Speaker 1: to you. Mary, what's going on with this apartment?
Speaker 15: Hi? Sorry?
Speaker 12: How to take it off hole?
Speaker 1: No problem?
Speaker 12: So apparently are you can you hear me?
Speaker 13: All right?
Speaker 1: I can hear you perfectly?
Speaker 12: Oh great, great, okay. So I'm over here at the
Speaker 12: Ventana at Colorado Station by there are a nine to
Speaker 12: five East Donald, it's off.
Speaker 6: The twenty five and Evans.
Speaker 12: Apparently there was a water main break on Sunday night,
Speaker 12: and of course all of us were sleeping, so nobody
Speaker 12: reported it until Monday morning. We have no water at all,
Speaker 12: and it's Wednesday. This is day three. And this company
Speaker 12: called Burge and Held, which is out of Indiana, doesn't
Speaker 12: care and they will not put us up.
Speaker 1: You're saying, they're the property management, the.
Speaker 12: Company that the Nationwide company that owns this property got it.
Speaker 1: So they're saying that they can't put you in another place.
Speaker 1: What are they giving you as far as an eta,
Speaker 1: Are they offering you bottled water? Are they offering you anything?
Speaker 1: I realized you can't take a shower with bottled water?
Speaker 1: But what are they saying?
Speaker 12: They're giving everybody bottled water, but they're not giving us
Speaker 12: a like water truck. I call a water truck company that,
Speaker 12: like you know, you can buckets of water with, and
Speaker 12: it's called Fusion. They said that they'll call my property
Speaker 12: manager and see if they can.
Speaker 1: You know, how long are they talking about this is
Speaker 1: gonna take?
Speaker 12: They don't know, because what happened was yesterday when they
Speaker 12: finally found the leak. It took Monday until Tuesday afternoon
Speaker 12: to finally find me.
Speaker 1: Hey, Doc, you want to make a call over there.
Speaker 7: I'll tell you what I think.
Speaker 4: I think all she needs to do is get a
Speaker 4: room and then we'll go to small claims court.
Speaker 7: It's a slam dunk.
Speaker 1: Well yeah, but I mean that's a pain in the ass.
Speaker 1: Plus I hear she's got a baby in the background.
Speaker 1: Now you're talking, Do I assume I'm hearing that right?
Speaker 12: Yeah, I've got three children under it.
Speaker 1: It's not right. Okay, Yeah, hold on. Doc's gonna call
Speaker 1: for you during break and we're going to see. I'd
Speaker 1: like to know when it's going to be done. And
Speaker 1: if it's not going to be done, Doc's one hundred
Speaker 1: percent right, you know, not having water, you could go somewhere.
Speaker 1: Most likely they would just reimburse you. Anyhow. I don't
Speaker 1: think you'd have to take them the small claims court, because,
Speaker 1: I mean, is an essential thing to.
Speaker 7: Have unless.
Speaker 12: Yeah, this has aft of being terrible and not giving
Speaker 12: a damn about the people that are are living here.
Speaker 1: Let's shake let's shake them up. We're gonna have dot call. Yeah,
Speaker 1: hold tight, Hold tight, I'll come back to you and
Speaker 1: he's gonna call right now. In fact, Kelly, make sure
Speaker 1: we get that information. And what did Rick have to say?
Speaker 1: Did he give you the phone number over there to
Speaker 1: the uh Phearah Auto house? Kelly, Kelly, Kelly, Okay, hold tight.
Speaker 10: Go with a sure thing Denver's best roofer Excel roofing
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Speaker 11: You don't pay a cent until you're content.
Speaker 10: Time for an insurance checkup free no obligation comparison call
Speaker 10: Compass Insurance paying too much your coverage at dozens of
Speaker 10: insurance companies find out now three oh three seven seven
Speaker 10: one help. You'll think you're his only customer when you
Speaker 10: it was Frank durand the real estate man dot com
Speaker 10: to list your home with Remax Alliance three all three
Speaker 10: nine two zero sixteen twenty two.
Speaker 1: I just got a call out of the blue from somebody.
Speaker 1: You ever get a call from somebody who thought was dead?
Speaker 1: I mean, I know that sounds odd, but here's the
Speaker 1: guy I've been trying to trace down ghost from the
Speaker 1: parts calling Yeah. So during the break, I looked down
Speaker 1: and says Ken Roady. I'm like, oh my god, I
Speaker 1: thought he was dead. And when I answered the phone,
Speaker 1: I literally said, hey man, I thought you were dead.
Speaker 1: And he laughed and said, well, I tried a few times,
Speaker 1: but I'll catch up with him. But have you ever
Speaker 1: received a call from someone you legitimately thought was no
Speaker 1: longer with us? Frank Duran, I.
Speaker 3: Can't thank you any Mark, but I do remember a
Speaker 3: comedian one time. He says, if only if my grandmother
Speaker 3: were here, today, I say, hey, Grandma, what are you
Speaker 3: doing here?
Speaker 1: You've been dead for ten years? Dunn all right, folks.
Speaker 1: Three L three seven one three eight two five. Deputy
Speaker 1: Doc found out a few things going on. Deputy Doc.
Speaker 1: She's headed over. They're scheduling showers at an off site location.
Speaker 7: I don't know where. She's just had them on my
Speaker 7: way to.
Speaker 1: Get a shower and stuff.
Speaker 7: Just clean up of three kids, yep.
Speaker 4: And she's gonna call me as soon as they get
Speaker 4: back cool, and then I'll take it from there.
Speaker 1: Yeah, we're gonna try to at least figure out a timeline. Unfortunately,
Speaker 1: there's not much you're gonna do when it's only been
Speaker 1: a few days. I mean, it's horrible. I would guess
Speaker 1: the apartment complex probably didn't even break the main line.
Speaker 1: This probably has something to do with Denver Water at
Speaker 1: this point, needing to get in there and fix it something.
Speaker 1: I assume it was Denver based on the address. Now
Speaker 1: three oh three seven one three A two five five, Kelly,
Speaker 1: did we reach out to that shop? In fact, my
Speaker 1: notes are gone on it here. It is Fierau Auto House. Kelly.
Speaker 1: She's reaching out to him right now, so hopefully she
Speaker 1: can get yeah, Alton, what's going on with you? Alton?
Speaker 1: Are you there?
Speaker 16: Take six?
Speaker 14: Yeah, I'm here.
Speaker 1: What's going on?
Speaker 9: Man?
Speaker 1: It says you got a problem with Richmond?
Speaker 14: Yeah, I do.
Speaker 15: Hold le okay, speaker, Yeah.
Speaker 1: Oh, Miguel, hold on a second. I'm sorry. Think you
Speaker 1: got to put him on. Alton. I got to put
Speaker 1: you on hold because I have a business we've been
Speaker 1: talking about on the air right now that I need
Speaker 1: to talk to. I promised right after the big break
Speaker 1: I'll get back to you. I think we have an
Speaker 1: angel over at Richmond too, So depending on the problem,
Speaker 1: you might have called the right people. So hold on alright, Alton.
Speaker 1: I hate to do that to you, but I've got
Speaker 1: Miguel on. Miguel. You're the owner of Phiro's Auto House.
Speaker 1: Is that correct?
Speaker 17: Yes?
Speaker 18: Absolutely, I'm the owner.
Speaker 1: So I want to ask your side to this story.
Speaker 1: It's pretty simple. Rick said he brought his Mercedes over
Speaker 1: there twenty eleven. Your guy hopped in. He had to
Speaker 1: turn the steering wheel to get access to the front
Speaker 1: marker light. They turned it. I guess they put the
Speaker 1: new marker light in. Then, according to Rick the caller,
Speaker 1: your tech got back in instead of turning the car on,
Speaker 1: put a hot just put a ton of pressure on
Speaker 1: it and actually broke the steering column. Now the vehicle
Speaker 1: won't start, and there's other issues. What happened over there? Man?
Speaker 18: All right, let me explain to you. It's something easy.
Speaker 18: I mean when when he telling you my tech, I
Speaker 18: was the only one person working in his car, because
Speaker 18: it was a simple job, just as the light bulb,
Speaker 18: the sign market light bulb. And yeah, sure absolutely. I
Speaker 18: turned the stating wheel because it's having access to the
Speaker 18: light bulb. We need to turn the wheel all the
Speaker 18: way to the left, I'm sorry, to the right, and
Speaker 18: we have access there.
Speaker 15: You know.
Speaker 18: I get on the car and turned on the car
Speaker 18: and I did my job and I went turned it
Speaker 18: off and I'm you know, I just straight straight the
Speaker 18: wheel back on their normal position.
Speaker 7: Yep.
Speaker 18: And I came to my office and I handle the
Speaker 18: key to my assistant, which is the one take care
Speaker 18: of the office, saying, you know, a charge of the
Speaker 18: suprimeplace a light ball and give it the key to him.
Speaker 18: And so he was inside of the car and he said, well,
Speaker 18: the car won't start. I said, well, hold on, you know,
Speaker 18: I mean it's the cold weather.
Speaker 15: I check it.
Speaker 14: You know how long ago?
Speaker 1: How long did it take for you guys to pull
Speaker 1: it in when he showed up? How long was it
Speaker 1: turned off.
Speaker 18: When the turn off probably was I mean just like
Speaker 18: five minutes the most, No more than that.
Speaker 1: All right, hold on, Michuel. I hate to do this year,
Speaker 1: but we're up against a heartbreak and I really want
Speaker 1: to get your side of the story out there, because
Speaker 1: I figured there was a whole different side of the
Speaker 1: story and it sounded like it. Let's make sure he
Speaker 1: understands we got to go to break. He'll be the
Speaker 1: first back up after it, but I'm dying to hear
Speaker 1: the rest of the story. Five minutes later, the car
Speaker 1: won't start. Rick says. If he sees the video, it's
Speaker 1: going to be evident that they tried to crank the
Speaker 1: wheel and broke something. Man, we've got a mystery going on.
Speaker 1: Hang tight, another hour coming.
Speaker 10: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 10: dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 10: Leave time for an insurance check up free no obligation
Speaker 10: comparison call Compass insurance. Pay too much your coverage at
Speaker 10: dozens of insurance companies find out now three oh three
Speaker 10: seven seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 2: News you need so you don't have run Inoussas as
Speaker 2: we can, Shooter's gonna help. Come man, this is.
Speaker 1: The Troubleshooter Show. No Tom Martinez, Welcome, Welcome my friends
Speaker 1: to the Only SHOWVI. It's kind of here to solve problems,
Speaker 1: answer questions, take complaints. We're here to go after the
Speaker 1: bad guys. We have a business owner on who I've
Speaker 1: got to get right back to really quick. But I've
Speaker 1: got to recap. Rick brought his vehicle over to Firo's
Speaker 1: auto house. All they were doing was a marker light,
Speaker 1: so basically up by the headlight, I think it was
Speaker 1: front right. So they get in, they had to turn
Speaker 1: the wheel, they turned the car on. They turned the
Speaker 1: wheel so they can have access with the tired angle.
Speaker 1: So they go up there, they replace it, They put
Speaker 1: the car back the way it was park it. Whatever
Speaker 1: they do, go inside right up the ticket and basically
Speaker 1: charge them. And Miguel how much did you charge him
Speaker 1: for that? Like, what fifty bucks?
Speaker 18: Ten buckss thirty bucks because he brings his own life back.
Speaker 1: Yeah, so thirty bucks. They charge him thirty bucks. He
Speaker 1: goes out to the car and now the car doesn't start,
Speaker 1: and it had been offered, like you said, five or
Speaker 1: ten minutes. When you looked at the car after he
Speaker 1: came back in and said it didn't start, what did
Speaker 1: you find wrong with the car?
Speaker 18: Well, first of all, you know, I had to check
Speaker 18: the battery on the key. That's the first thing, you know, those.
Speaker 1: Electronic Yeah, I got you.
Speaker 18: Yeah, and I noticed was working fine. So I plugged
Speaker 18: the scan tool, which is a diagnostic tool we have
Speaker 18: and should or now it came out we called it
Speaker 18: says that steading module feil got it. So uh at
Speaker 18: this point, you know, I just want to go a
Speaker 18: little We're working on Mercedes for so many years and
Speaker 18: we have those problems with the C class see okay class. Uh,
Speaker 18: it's a common issue. And you know, as you you
Speaker 18: can go and check the reviews about Mercedes.
Speaker 1: Once I'll find out this module went bad.
Speaker 18: But it's not something we made. It's just you know,
Speaker 18: on the edge of the car. Anything can be happened anything,
Speaker 18: and it's a common issue of common failure on the Mercedes,
Speaker 18: that steading.
Speaker 1: Yeah, I get it. It just went out. It was
Speaker 1: a coincidence, Yes, I get it. So how much is
Speaker 1: that module in the programming it for it?
Speaker 18: Well, you know our cause because we had to sign
Speaker 18: up in our nastaff program we were members and NaSTA
Speaker 18: NaSTA is a national and all the service stuff for
Speaker 18: oh that's fine, and we had to go with them.
Speaker 18: Fill another application, go to the dealer. But the whole
Speaker 18: repair because we give it. The price to mister Rick,
Speaker 18: it was sixteen.
Speaker 1: Okay, Now I want to ask you some miguel. The
Speaker 1: only thing wrong with it was a module. The steering
Speaker 1: column itself wasn't broken, just the module for the ignition, correct,
Speaker 1: that's it. Okay, hold on one second, if you'd be
Speaker 1: that gracious now I want to go back to Rick.
Speaker 9: Rick.
Speaker 1: It's just that module that's bad. The actual steering column
Speaker 1: isn't broke, and that module can go out. I mean,
Speaker 1: there's nothing they did by broke to say it again broke.
Speaker 6: The all I need is a video. The lock on
Speaker 6: the steering column is broke. I just need the video.
Speaker 6: That's all. I need to ten minutes the video that
Speaker 6: he did the work on. That's all I need.
Speaker 1: Tom, Okay, hold on, man, Miguel, do you have video
Speaker 1: of this being done? Is that something.
Speaker 18: We never recorded our jobs like, I mean, especially the
Speaker 18: site marked light bulb. I mean, we don't recorder. Yeah,
Speaker 18: I gots and for the experience I have, I mean,
Speaker 18: it's a you know, this can be happens.
Speaker 1: Any moment I get listen, man, I get it, I
Speaker 1: get it. What I would like to know, though, Kelly,
Speaker 1: can we get I'd like to get Sheridan on one
Speaker 1: more time, please? What I do want to just absolutely
Speaker 1: understand though, the only problem right now is that module.
Speaker 18: Yes, actually I can give you hold on, let me
Speaker 18: go to them row wheel right around for him. And
Speaker 18: I was telling you exactly which part because you know it's.
Speaker 1: A people listening. Ro O writers their software that they.
Speaker 18: Give and you know what if somebody and your audiences
Speaker 18: a Mercedes expert, they can they can confirm where I say.
Speaker 1: What I'm saying though, is the you do not have
Speaker 1: to replace the steering column right, not.
Speaker 18: The seating column, but yeah, the steading module, which is
Speaker 18: one cylinder or one solinoid attached with the stealing column.
Speaker 1: So yeah, that is the you have to answer Rick's
Speaker 1: question though you have no video of it, right.
Speaker 18: No, I don't have a video because you know, we
Speaker 18: just put I mean I had a rapport for the
Speaker 18: diagnos we did after the car is filmed. Or don't start,
Speaker 18: I can provide you with the COLDE came up, which
Speaker 18: is the.
Speaker 1: Stealing the vehicles still there?
Speaker 18: No, he took it, he told it. We offered to
Speaker 18: do the repairs, you know, and I went to the fair.
Speaker 1: Hold on one second, Miguel, you just made me think
Speaker 1: of something. I want to ask him another question. I'm
Speaker 1: going to have you both on for a second. Hey, Rick,
Speaker 1: did you bring it somewhere else to get it looked
Speaker 1: at and verify what's wrong with it?
Speaker 7: Now?
Speaker 6: I said, Mercedes is gonna be ready to day?
Speaker 1: And what did they do at Mercedes?
Speaker 8: Okay?
Speaker 6: And it was when mcguil looked at.
Speaker 7: It and Rick?
Speaker 19: Rick?
Speaker 14: Rick?
Speaker 9: Rick?
Speaker 1: What did they repair at Mercedes? Do you have the
Speaker 1: estimate I can look.
Speaker 6: At I will pick it up today is three thousand
Speaker 6: dollars stops?
Speaker 9: Okay?
Speaker 15: Rick?
Speaker 1: But what did they repair? What did they do.
Speaker 6: The steering module? Okay, lot steering lock in everything that
Speaker 6: intels it.
Speaker 1: Did they say that it was the other shop's fault?
Speaker 1: Did you tell him what happened? Did they have an
Speaker 1: opinion on that?
Speaker 6: Absolutely? I told him what happened.
Speaker 1: And what did they say. Did they say, yes, they
Speaker 1: could have done it, or did they say this is
Speaker 1: a common problem that can happen. What did they share
Speaker 1: with you?
Speaker 16: They shid it was forced U you know, some kind
Speaker 16: of force broke the steering column the wheel.
Speaker 6: Was saying, or does not luck?
Speaker 16: After I when I got in my car, after McGill
Speaker 16: had started up, turned the wheel, put in the light,
Speaker 16: the steering wheel was not rick.
Speaker 1: You're kind of making my own argument in Miguel's when
Speaker 1: you say that, because what what do you think he
Speaker 1: possibly did wrong by turning it on and turning the wheel?
Speaker 1: I mean, do you understand that a car that doesn't
Speaker 1: have any problems that wouldn't break?
Speaker 6: Okay, Well that's why Tom, Okay, the car was in
Speaker 6: the front of the building when he did the work. Yeah,
Speaker 6: it should be on video.
Speaker 1: He's saying, there's no video. Miguel, I'm gonna ask you
Speaker 1: for the fourth time, is there a video that we
Speaker 1: could look at? There no there's no video.
Speaker 6: Well, I was there all the time.
Speaker 9: Miguel was banging on something, making.
Speaker 6: Up uh you know, on my finger. I guess. I
Speaker 6: don't know how come you had to bang under defender
Speaker 6: to get.
Speaker 9: A screw looser words?
Speaker 1: Who fixed it? Who fixed it?
Speaker 9: Rick?
Speaker 1: Who ultimately fixed it? Mercedes who?
Speaker 9: No?
Speaker 1: Mercedes? What Mercedes Dealership?
Speaker 6: Go ahead, Merd.
Speaker 1: I'm going to put them both on hold. Scott, I
Speaker 1: want you to get involved here. I want you to
Speaker 1: call Mercedes of Denver, okay, and if you need Rick's permission,
Speaker 1: maybe do a three way call. I want you to
Speaker 1: talk to them, and I want to know if they
Speaker 1: think that Miguel or whatever shop or what happened. That's
Speaker 1: what I want to know. I want to know if
Speaker 1: they think that I have no idea what happened here.
Speaker 1: I don't understand how Miguel could get in there and
Speaker 1: turn the wheel and the whole thing breaks in it
Speaker 1: his fault. I have no idea how that could happen
Speaker 1: in any normal car. We had our expert on that
Speaker 1: said you would have to get in there and basically
Speaker 1: yank on that wheel and put your feet up against
Speaker 1: the door in order to break something like that. The
Speaker 1: other thing I need to know, Scott, is what did
Speaker 1: they do? What did they do? Did they do just
Speaker 1: the module? Because if this is just the module and
Speaker 1: the steering column itself wasn't broken, I don't know what
Speaker 1: I once again I don't what Miguel could have possibly
Speaker 1: have done wrong. We've got to get to the bottom
Speaker 1: of this before my head blows up. That's what I
Speaker 1: want to know, honest to God, I want to know
Speaker 1: what they did and do they have an opinion? So Rick,
Speaker 1: Scott's gonna call you right now. We've got your info.
Speaker 1: Scott's gonna call you off air, and you guys are
Speaker 1: gonna call over and talk to the service manager together. Okay, okay,
Speaker 1: all right, that's what we're gonna do. Everybody hold tight,
Speaker 1: my God, and then Alton we're going to go back
Speaker 1: with Richmond and mar American after this. We do have
Speaker 1: two lines, opener. We will three zero three seven one
Speaker 1: three A two five five. Any technicians out there, mechanics,
Speaker 1: you heard that story. If you heard it, I want
Speaker 1: you to give me a call and give me your opinion.
Speaker 1: I honestly do am I missing something here. We're going
Speaker 1: to find out when we talk to Mercedes of Denver,
Speaker 1: but I would love to know your thoughts on it
Speaker 1: right now. If you have dealt with the twenty eleven
Speaker 1: Mercedes or something in that error that had this same
Speaker 1: type of issue, they bring it in, they turn the wheel,
Speaker 1: next thing you know, they've got to replace this module.
Speaker 1: Three zero three Martino, go with a sure.
Speaker 10: Thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 10: pay a cent until you're content. Time for an insurance
Speaker 10: check up free, no obligation. In comparison, call Compass Insurance.
Speaker 10: Pay too much your coverage at dozens of insurance companies
Speaker 10: find out now three oh three seven seven to one help.
Speaker 10: You'll think you're his only customer when you choose Frank
Speaker 10: durand the real estate Man dot com to list your
Speaker 10: home with Remax Alliance. Three oh three nine two zero
Speaker 10: sixteen twenty two. All right, three oh three seven one
Speaker 10: three A two five five.
Speaker 1: I sure hope Deputy Dollar gets to talk to somebody
Speaker 1: over at Mercedes of Denver. I want to figure out
Speaker 1: what they did and jump into that meantime. Three oh
Speaker 1: three Martino, we got a couple lines open. Three oh
Speaker 1: three seven one three A two five five don't forget
Speaker 1: Frank Duran, the real estate man in studio with us.
Speaker 1: And then we've got a referral list member coming in,
Speaker 1: Ryan Herbig. He's with American Liberty Mortgage. He's going to
Speaker 1: be talking rates and what these guys think. You know,
Speaker 1: really quick, Frank, where are rates right now? If you
Speaker 1: closed anything in the last couple weeks? Of course you
Speaker 1: have Yeah, are they closing at six and a half
Speaker 1: right around there?
Speaker 3: And we're hearing the rates are going to hover around
Speaker 3: six point three four and twenty twenty five. They're gonna
Speaker 3: see pretty much over here, a pretty steady which is
Speaker 3: actually a good thing because with increasing way that's going
Speaker 3: to get people more disposable income, we expect values to
Speaker 3: go up.
Speaker 1: We're gonna we're gonna dive into that with you and
Speaker 1: Ryan shortly. But I've got a lot of questions when
Speaker 1: it comes to rates. You know, people have such short
Speaker 1: term memories. You talk about two three percent, which a
Speaker 1: lot of people were in and now you start talking six.
Speaker 1: They think it's crazy, but the reality is five and
Speaker 1: a half to six and a half has been the
Speaker 1: norm forever. But we'll get into that. Alton, your issue
Speaker 1: with Richmond First of all, I appreciate you holding so long.
Speaker 1: So what happened? Is it a new build? What's going
Speaker 1: on with Richmond homes?
Speaker 14: Okay? I purchased his home May of twenty twenty two,
Speaker 14: and my driveway.
Speaker 1: Was it brand new? Alton?
Speaker 14: Yeah, it was brand new, okay.
Speaker 1: And they generally give you a one year warranty. Did
Speaker 1: you have that? I know it's May of twenty two,
Speaker 1: but did you have a one year warranty?
Speaker 14: I did?
Speaker 9: Okay?
Speaker 14: And uh and I really thought maybe with something, you know,
Speaker 14: it's just the year was up. I was going to
Speaker 14: be able to just replace it myself. But after noticing
Speaker 14: the neighborhood and my neighbor across the street from me
Speaker 14: his house is thinking they improperly compacted the soil.
Speaker 15: Oh wow, and you got you got hey.
Speaker 1: Alton, that's Alton. That's a big thing to say. I mean,
Speaker 1: typically when you're doing a foundation, you're you're you're compacting
Speaker 1: that to like ninety nine and a half percent. I mean,
Speaker 1: it's absolutely insane. And then they actually have well hold
Speaker 1: on here because when you when you say they didn't
Speaker 1: do it right, the problem with saying that is the
Speaker 1: inspectors come out and literally bore holes and then sign
Speaker 1: off on the compaction. So it sounds like, what are
Speaker 1: you saying that that possibly the inspector was in cahoots.
Speaker 14: I have no idea, but I know there's approximately five
Speaker 14: driveways that are either coming up, they're they're bulging up.
Speaker 14: Uh they have holes in them, you know, big big
Speaker 14: gaping holes in What.
Speaker 1: Do you mean by big gaping holes on you know?
Speaker 14: You la, you lay the concrete down, and then in
Speaker 14: between the concrete and the soil of the big caping hole,
Speaker 14: you can you can you can actually, Oh.
Speaker 1: I see, so you can you can look under there. Well,
Speaker 1: that could have been movement in any direction just when
Speaker 1: you go why did you even say they didn't compact
Speaker 1: it right then?
Speaker 14: Because Uh, like I said, everyone in the neighborhood is
Speaker 14: cracking out.
Speaker 1: There's gonna be the so a couple of things to
Speaker 1: do real quick.
Speaker 10: Man.
Speaker 14: But but but the one more thing, Uh, everybody else
Speaker 14: on the other side, whoever built the other side, No
Speaker 14: one on their side. Uh another manufactured builds on the
Speaker 14: other side, and their driveways are perfect. Ours is buckling.
Speaker 14: I don't understand.
Speaker 1: I get that there's a problem with the driveway. I
Speaker 1: understand that, but I don't know if that leads back
Speaker 1: to compaction. Your house. You mentioned one of the homes
Speaker 1: is moving. Is that true?
Speaker 14: That's true?
Speaker 7: Yeah?
Speaker 1: And is it sinking or is it up?
Speaker 15: Or what is sinking?
Speaker 14: Because he can't set his well they still have come
Speaker 14: out in his whole backyard, saint and then well no.
Speaker 1: But I'm talking about the house itself on the foundation.
Speaker 1: Did it sink or is it straight?
Speaker 14: He's unable to shut some of his doors in his house.
Speaker 1: Yeah, okay, so so where the driveway and stuff is
Speaker 1: not the actual garage or anything. But I mean, I
Speaker 1: don't even know what the compaction rate would have to
Speaker 1: be there. But if it's outside of warranty, you said
Speaker 1: there's five homes that are affected. How many homes are
Speaker 1: in that section of the neighborhood altogether?
Speaker 14: It's just it's just with then walking to the mailbox.
Speaker 14: So from my house to the mailbox there's approximately five houses.
Speaker 1: So but but hold on, Alton. What I'm saying is
Speaker 1: is there only five homes in that that Richmond neighborhood?
Speaker 14: Yeah, yeah, probably about five. I haven't seen anyone else,
Speaker 14: you know, in my neighborhood where I live it. Yeah,
Speaker 14: welcoming down the street and there's proximately five homes that
Speaker 14: are in my neighbor. He had his done because historian
Speaker 14: was thinking they did it. He caught it right at
Speaker 14: the one year mark.
Speaker 1: Well have you had an expert come out and look
Speaker 1: at it.
Speaker 14: No, I haven't.
Speaker 1: Well you said you were thinking you were going to
Speaker 1: get it done, but then you saw other people at issues.
Speaker 1: I'm just trying to think. I'm just trying to think
Speaker 1: your best way. I mean, have you even called Richmond.
Speaker 1: Have you talked to them and said, I've five and
Speaker 1: what did they say? You're out a warranty.
Speaker 14: You're out a warranty and all they do is send
Speaker 14: me the information about the warranty.
Speaker 1: Do you have pictures of this?
Speaker 8: No?
Speaker 14: I don't, but I can get some.
Speaker 1: I would like some pictures of yours, and then maybe
Speaker 1: a couple of your neighbors, whoever's closed. I can send
Speaker 1: them out to an expert. But I can't imagine. When
Speaker 1: I first started thinking of paction, I was thinking more
Speaker 1: of the foundation in the house going up or down.
Speaker 1: I don't I don't know what you're possibly going to
Speaker 1: do there. If it's just the driveway now, the one
Speaker 1: house that's shifting quite a bit. It'd be curious to
Speaker 1: see what's going on there. But then you started talking
Speaker 1: about it like it was the backyard, not the house.
Speaker 8: It is the backyard in the house.
Speaker 1: So the whole house is crooked the one guys, Well
Speaker 1: it's not.
Speaker 14: It's not noticeably. They did they actually sent an engineer
Speaker 14: out there, though, And what did.
Speaker 1: The engineer come up with? What did the report say?
Speaker 14: I didn't, I didn't. I haven't talked to him yet.
Speaker 1: Well, that would be very curious. What they what the
Speaker 1: engineer finds. Is Richmond working with him at all?
Speaker 14: Or no? Yeah, the Richmond's actually working with him, and
Speaker 14: he's going to they're going to replace his.
Speaker 1: Driveway also, see he might have had an issue. Hey guys,
Speaker 1: you're both in the home business here and I'm talking
Speaker 1: to Ryan and Frank, these new builders. What is typically
Speaker 1: have you done? Ryan her Big, he's with American Liberty Mortgage.
Speaker 1: I assume you guys have done some loans with new builders, right,
Speaker 1: like Richmond or Lamar or Leonar or any of them.
Speaker 5: Yeah, yeah, we've done a few.
Speaker 1: So what typically do you know off the top of
Speaker 1: your head or Frank, do you know there's a different
Speaker 1: a couple of different warranties. Usual, Usually the structure itself,
Speaker 1: for the foundation, might have a longer warranty than of
Speaker 1: course a driveway or something. Is this correct.
Speaker 3: Yeah, they'll typically have the structural warranty, and then they'll
Speaker 3: have a lot like Lennard for instance, they had a
Speaker 3: warranty that lasts for a year. If anything breaks within
Speaker 3: the interior of the property, yeah, you can call them
Speaker 3: out and they'll take care of it, you know.
Speaker 1: Yeah, and then a lot of stuff. Even when it
Speaker 1: comes to the structural it's got to move enough to
Speaker 1: actually trigger in that warranty. So it's very possible that
Speaker 1: the neighbor did have a problem with the foundation itself,
Speaker 1: maybe it wasn't done right, maybe there was a compaction
Speaker 1: problem there. But you don't have that exact same issue,
Speaker 1: so it might be a different kind of warranty. You
Speaker 1: follow what I'm saying, Alton, Oh.
Speaker 20: Yeah, from what I've seen, the builders typically have a
Speaker 20: ten year structural warranty.
Speaker 1: Yeah, so that's probably kicking in on this guy if
Speaker 1: they're actually helping them.
Speaker 14: Yep.
Speaker 1: Where this other one is just the driveway and that
Speaker 1: would probably fall under the one year. I think that's
Speaker 1: exactly what's going on in your case, Salton. And if
Speaker 1: the other guy's house is literally shifting, that would be
Speaker 1: a foundation problem and that would fall under that five
Speaker 1: or ten year structural. Does that make sense?
Speaker 14: Yes?
Speaker 1: When can you send those pictures over? I'd be curious
Speaker 1: to see him.
Speaker 14: I live in Pueblo, but I'm in the Springs today. Okay,
Speaker 14: just have them send me the information and well.
Speaker 1: I'm going to put you on hold. Kelly's gonna pick up.
Speaker 1: Here's what I want from you. Some of those pictures,
Speaker 1: nothing crazy, but you I want you to take some
Speaker 1: from Afar too. Just don't take a picture of a
Speaker 1: big crevice up close. I basically need to understand the
Speaker 1: gravity of it, even from a distance. Does that make
Speaker 1: sense to you?
Speaker 14: Yeah?
Speaker 1: Yeah, So send a couple of those and then talk
Speaker 1: to your neighbor too. I would absolutely love if he
Speaker 1: would share. He might have signed a release or something
Speaker 1: at this point, I don't know, but I would love
Speaker 1: if he would share that structural. What do you call it?
Speaker 1: The report? Okay, I would love to see that and
Speaker 1: see why he's getting covered and you're not, and then
Speaker 1: we can send Wow, man, you're pretty far up in Pueblo.
Speaker 1: I've got a cement guy down here that's awesome, but
Speaker 1: he's not going to go to Pueblo. It's just not
Speaker 1: gonna happen.
Speaker 14: I no, I got I got a couple guys I
Speaker 14: can call to have it done. But it's just it's just,
Speaker 14: you know, I just feel like I shouldn't have to
Speaker 14: pay sport it.
Speaker 1: Yeah, no, I get you, man. I mean you're only talking.
Speaker 1: You bought a brand new home. It's two years later,
Speaker 1: and your driveway sounds like, Hey, we'll get us those
Speaker 1: pictures and we'll assign someone to it based on those pictures.
Speaker 1: I'm gonna have one of our experts look at it
Speaker 1: down here, and maybe we can reach out to them
Speaker 1: when we have a little when we have a few
Speaker 1: arrows in our quiver, and maybe pull some strings and
Speaker 1: get something done for you. I can't make any promises
Speaker 1: because these new home builders, let me tell you, man,
Speaker 1: they're about as cut and dry as I've seen. It's
Speaker 1: either under warranty or not. Although I will say in
Speaker 1: the past we have had a few things work out
Speaker 1: in the caller's favor. So hold tight, Kelly, get all
Speaker 1: of his information please, three oh three seven one three talk.
Speaker 10: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 10: dot com.
Speaker 11: You don't pay a cent until you're content than.
Speaker 10: Time for an insurance check up free no obligation comparison
Speaker 10: call Compass Insurance. Pay too much your coverage at dozens
Speaker 10: of insurance companies find out now three oh three, seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the real estate Man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: oh three nine two zero sixteen twenty two.
Speaker 1: All right, three O three seven one three eight two
Speaker 1: five five. Scott's back in the room. We're gonna have
Speaker 1: an update. I'm not gonna do it right now because
Speaker 1: we're gonna go to this comment on that driveway and
Speaker 1: back to Alton. But here's the uh, here's the deal.
Speaker 1: Check this out. Scott actually talked to Mercedes of Denver.
Speaker 1: They're the ones that actually fix the problem with the
Speaker 1: steering wheel or the the no start, all these other problems.
Speaker 1: We're gonna figure out exactly what happened. We're gonna dig through, Scott,
Speaker 1: and then should we get the caller back up or
Speaker 1: no need to do that, Scott, Well, you can decide
Speaker 1: over break. What do you think?
Speaker 21: Yeah, he was on with you, and I don't think
Speaker 21: there's any reason to get get him back on.
Speaker 1: Okay, I am dying to hear what Mercedes and you
Speaker 1: did ask him if they thought the other shop was responsible. Oh,
Speaker 1: he's got all the info. He's got all the info.
Speaker 1: We're gonna find out. But you're gonna have to just wait.
Speaker 1: You're gonna have to wait to find out. Now, Alton,
Speaker 1: Dave's got a comment on your driveway. Go ahead, Dave,
Speaker 1: what's your comment, sir?
Speaker 17: Yeah, I've been doing utility for OBUs fifty years and
Speaker 17: I'm from Pleublo and I bet he lives over by
Speaker 17: the college or on the north side of town. And
Speaker 17: that stuff over by the college is expansive shell like
Speaker 17: that night.
Speaker 1: What is it?
Speaker 17: Well, I wouldn't say. I'm no engineer.
Speaker 22: I just did hold, but.
Speaker 17: It's just expansive.
Speaker 1: Clay, Hey, what area of town are you in? Alton?
Speaker 14: Oh? Hello?
Speaker 1: Yeah, what area of town?
Speaker 14: Northside?
Speaker 1: Is that where you're talking about, David? That's I I'm sorry,
Speaker 1: I already forgot. I thought you said southside.
Speaker 15: On the north side.
Speaker 17: Yeah, if over by the college.
Speaker 18: It's pretty bad.
Speaker 17: And over on the north side is really bad.
Speaker 14: I won't even do any.
Speaker 17: Work over there because you can't do anything about that stuff.
Speaker 1: It sounds like that's probably what's going on Alton. But
Speaker 1: let's stick to the exact same game plan we talked about.
Speaker 1: So make sure you give Kelly your information. Kelly grab
Speaker 1: Alton's info so we can reach back out to him
Speaker 1: after he sends us the pictures and hopefully the report
Speaker 1: from the neighbor. Then we're kind of dig back into there.
Speaker 1: Three oh three seven, one, three eight, two five five.
Speaker 1: We have a couple of lines opener. We will in
Speaker 1: a second. Three oh three Martino, Gary, this sounds horrible.
Speaker 1: What's going on with you?
Speaker 18: Man?
Speaker 7: Yeah?
Speaker 15: Are you talking to me?
Speaker 1: Yes? Gary, I'm talking to you.
Speaker 15: Oh okay, yeah, Mark, Yeah, it is pretty horrible.
Speaker 1: What happened, man? I mean, I'm gonna just I'm going
Speaker 1: to share with everybody what's on my screen. It says
Speaker 1: you're having an issue with Weld County and your daughter
Speaker 1: was killed. Correct, what happened to your daughter?
Speaker 15: And when she at the gas station on the north
Speaker 15: side of None, a nineteen year old kid come pulling
Speaker 15: in there, and so right over with pick up with
Speaker 15: left front wheel.
Speaker 1: Oh my god, where was she? I'm sorry? Where was
Speaker 1: your daughter? What like? Is this a parking lot?
Speaker 15: Is walk right into the store, right right in front
Speaker 15: of the store, have none right in front of the
Speaker 15: gas station there and pulling in there? Run over? She
Speaker 15: was three months pregnant. Kill her and the baby right
Speaker 15: on the spot.
Speaker 1: Oh my god, Jarry, I am so sorry. When did
Speaker 1: this happen.
Speaker 6: Out?
Speaker 15: Oh four weeks ago Monday?
Speaker 1: Oh my god, this is such a new wound for you.
Speaker 15: Oh god, star staring my family all the pieces I.
Speaker 1: Can't even imagine. Now was the driver caught? I mean,
Speaker 1: for lack of a better words, which.
Speaker 15: I stirred up a hornet's nest? I didn't a little
Speaker 15: tongue like none. You know, it's one hundred two hundred people,
Speaker 15: whatever the population is. The police chief up there is
Speaker 15: the one that did the investigation.
Speaker 1: And what did the police chief.
Speaker 15: Conflict of interest? There a little town like that or
Speaker 15: a good possibility, you know, you know, you know most
Speaker 15: of the people are owned I have.
Speaker 1: I'm looking up the town now, My goodness, man, it.
Speaker 15: Is it's flad On got right up towards Wyoming line.
Speaker 15: My daughter. I'm from don Colorado. I sold my home
Speaker 15: and I moved my corporation up to the Colorado I'm
Speaker 15: looking at it.
Speaker 1: It's like a population of five hundred people. It's right
Speaker 1: up by the border. It is a tiny town. What
Speaker 1: did what did the what did the sheriff or what
Speaker 1: did the police chief? What did they find in the office?
Speaker 15: And I had been talking to the district attorney. I
Speaker 15: couldn't get no satisfaction from the police chief up and none.
Speaker 15: They got their own police department.
Speaker 1: But hold on, Gary, Gary, I just I don't want
Speaker 1: to glance over some of this. I'd like to know
Speaker 1: what the police chief had to say. What did his
Speaker 1: investigation find. It's a parent you don't agree with it,
Speaker 1: But what did they find.
Speaker 15: That it was just airless driving? And but she was
Speaker 15: walking into the store right know, twenty feet or so
Speaker 15: in front of the building, and he was pulling into
Speaker 15: a parking spot and he run over with the left
Speaker 15: front wheel of the pickup and trust her.
Speaker 1: Oh my god, was he was here? Was he drinking?
Speaker 16: He don't know?
Speaker 15: He never no drugs or alcohol testing. This is what's
Speaker 15: seven o'clock in the morning. He never got his phone
Speaker 15: records or his cell phone stuff. I talked to mister
Speaker 15: Rourke DA up in will County yesterday and said, well,
Speaker 15: I don't think cell phone records will make any difference anyway.
Speaker 15: But they charged him with careless careless driving resulting in death.
Speaker 15: It's just a misdemeanor.
Speaker 1: Did you hear about that when you talked to the
Speaker 1: what DA did you talk to after you heard all
Speaker 1: of this from the police chiefs?
Speaker 15: Mister mister Rorke called me yesterday and and said, nope,
Speaker 15: evidence shows it was careless driving. And I asked him,
Speaker 15: you know, did anybody look at sophone record jets and
Speaker 15: that stuff for any drug or alcohol testing or anything.
Speaker 15: And he just said, well, no, you know, but I
Speaker 15: don't think that'd make any difference in only.
Speaker 1: God, this is horrible, man. Here's what I'd like to
Speaker 1: Oh God, it just it's I just I can't imagine. Gary.
Speaker 1: Here's what I'd like to do, though.
Speaker 15: I can I throw in another one, you can, but
Speaker 15: hold on here, hold on one second.
Speaker 1: I want to hear the rest of the story, but
Speaker 1: I've got to take this break. I promise I'll come
Speaker 1: back to you next And the other thing I'd like
Speaker 1: to do Kelly, if we could reach out to Joe Lazara.
Speaker 1: I want to see if those kind of charges is
Speaker 1: that the norm for what we're hearing, or if this
Speaker 1: happened in say, Douglas County, if this happened in Denver.
Speaker 1: I realize every circumstance is different, but I would like
Speaker 1: Joe Lazara to give us his opinion on it.
Speaker 10: After this, go with a sure thing Denver's Best roofer
Speaker 10: Excel Roofing dot com.
Speaker 11: You don't pay a cent until you're content.
Speaker 10: Time for an insurance checkup free no obligation comparison call
Speaker 10: Compass Insurance paying too much your coverage at dozens of
Speaker 10: insurance companies find out now three oh three seven to
Speaker 10: seven to one help. You'll think you're his only customer
Speaker 10: when you choose Frank Durand the real estate Man dot
Speaker 10: com to list your home with Remax Alliance three oh
Speaker 10: three nine two zero sixteen twenty two.
Speaker 1: All right three O three seven one three A two
Speaker 1: five five. We have Joseph Alasara on He's on our
Speaker 1: referral list at referral list dot com. Of course he's
Speaker 1: a He is an attorney at law that specializes in
Speaker 1: criminal activity. Now that sounds weird right now, that that
Speaker 1: didn't sound great for Joe. But Joseph criminal defense attorney,
Speaker 1: And Joe, I've got a question for you. This is
Speaker 1: so serious, it's it's nuts, man. I just don't know
Speaker 1: if it's normal or not. So Gary, and I'll bring
Speaker 1: Gary up if you have any questions for him in general.
Speaker 1: So Gary, E're up as well. But Joe, his great Gary,
Speaker 1: I'm sorry. It was your granddaughter, right, No, my daughter,
Speaker 1: your daughter and Susanne. I think found the article.
Speaker 15: But she was twenty nine, right, twenty nine years old,
Speaker 15: but they put in the paper isn't correct. She's she's
Speaker 15: got two boys at home. I won't say their names,
Speaker 15: are five and six years old. And then you're three
Speaker 15: months pregnant.
Speaker 1: Yeah, I got you. I just I wanted to make
Speaker 1: sure the article was, you know, somewhat correct. So Joe,
Speaker 1: here's what happened. I mean, basically, she was walking into
Speaker 1: a gas station in Non Colorado. It's a little town,
Speaker 1: like five hundred people. Is that kind of like a
Speaker 1: convenience store slash gas station? Gary, I just don't know.
Speaker 1: And she was actually in like the parking lot, not
Speaker 1: like on the street.
Speaker 15: No, no, no, this she was right in front of
Speaker 15: the building. Yeah.
Speaker 1: Right, So she's walking into this, Joe, and this car
Speaker 1: comes in and basically runs over, crushes her, kills her
Speaker 1: and the baby. The chief of police, of course, is
Speaker 1: on the investigation, and ultimately they charge the guy with
Speaker 1: what Gary.
Speaker 15: Careless driving resulting in death and stuff.
Speaker 1: Careless driving resulting in death. They didn't do any kind
Speaker 1: of toxicology according to Gary, but it did happen at
Speaker 1: seven am in the morning, So I'm not exactly sure
Speaker 1: what that generally looks like, but that careless driving.
Speaker 15: They never got the cell phone records either. That's one
Speaker 15: of the biggest things.
Speaker 1: Well, that's the other thing, Joe. He's saying, maybe this
Speaker 1: guy was like staring at his phone. But let's kind
Speaker 1: of say, regardless of what they didn't do, from your experience,
Speaker 1: what would typically be done Joe.
Speaker 8: Yeah, I mean, as far as the investigation, usually police
Speaker 8: officers are trying to determine the why and is a
Speaker 8: person not paying attention, is the person on the phone?
Speaker 8: Is the sun blocking them? But careless driving resulting in
Speaker 8: death sounds kind of trivial, But at the same time,
Speaker 8: a lot of times accents just happen, and that's the
Speaker 8: charge for when accents happen and people unfortunately are killed
Speaker 8: in these types of cases, Well, you can upgrade the
Speaker 8: charge if obviously alcohol is involved or something they believe
Speaker 8: that he's intoxicated or impaired by alcohol or drugs, or
Speaker 8: if the person's driving, you know, in a reckless manner.
Speaker 7: But usually if.
Speaker 8: It's simply hey that I didn't see that person crossing
Speaker 8: sons in my eyes, something of that sort, it's careless
Speaker 8: driving resulting in death, which could you know, wine carry jail,
Speaker 8: to carry the potential loss of license. Usually people are
Speaker 8: playing some probation and have a ton of community service.
Speaker 8: Those are generally standard penalties for that type of charge.
Speaker 1: Joe, when he talks about they didn't pull any text records,
Speaker 1: I understand where he's coming to. He's basically saying, Hey,
Speaker 1: this guy could have been texting or for that matter,
Speaker 1: you know, watching a YouTube video on the phone or something,
Speaker 1: and that distracted him and that caused it. Let's say
Speaker 1: that was the case, and they did the research, they
Speaker 1: pulled the records, and somehow they could prove that he
Speaker 1: was texting at that exact time. How that's actually done?
Speaker 1: I don't know, but let's say it could be would
Speaker 1: that actually change the charge or most likely not because
Speaker 1: Gary seems to be kind of fixated on that, Or
Speaker 1: would the charge even if he was doing that still
Speaker 1: be most likely the careless driving.
Speaker 8: In all likelihood, it'd probably still be the careless driving.
Speaker 8: And I let's say he's hot rotting dude going through
Speaker 8: the parking lot at one hundred miles an hour, big difference,
Speaker 8: you might not upgrade that, or if he's intoxkidd and
Speaker 8: you'd be able to upgrade it. But a lot of
Speaker 8: these cases it seems like it's not enough for the
Speaker 8: family who just lost. Of course you loved ones, but generally,
Speaker 8: more often than not, that's the charge, and it's hard.
Speaker 8: So you know, the charges aren't serious enough on the
Speaker 8: criminal side, and you have that civil recovery and that's
Speaker 8: not even enough.
Speaker 1: Hey, Joe, I have got this break coming up, but
Speaker 1: I'd like to hold you over if Gary's got any
Speaker 1: questions or Kelly can call you back. Is that cool?
Speaker 7: Yeah?
Speaker 1: Absolutely, And I also want to talk to you. We
Speaker 1: were Susanna and I were helping our son out in Nebraska,
Speaker 1: and I notice these signs everywhere in the state of Colorado.
Speaker 1: That basically say, you can get pulled over now or
Speaker 1: get into a lot of trouble if your phone's in
Speaker 1: your hand. And I'm curious if this happened next year,
Speaker 1: if there would have been as of January first, I guess,
Speaker 1: but I'm curious if this happened next year, if it
Speaker 1: would be different. So please give me that favor and
Speaker 1: hold on. Kelly see what he wants to do, but
Speaker 1: he'll hold with us. Everybody else just hang tight. Do
Speaker 1: you have a couple of lines open? Gary, I'm gonna
Speaker 1: let you talk to Joe when we get back.
Speaker 10: With any questions you have, go with a sure thing
Speaker 10: Denver's Best roofer Excel Roofing dot com.
Speaker 11: You don't pay a.
Speaker 10: Cent until you're content. Leave time for an insurance check
Speaker 10: up free, no obligation. In comparison, call Compass Insurance. Pay
Speaker 10: too much your coverage at dozens of insurance companies find
Speaker 10: out now three O three seven to seven to one help.
Speaker 10: You'll think you're his only customer when you choose Frank
Speaker 10: durand the real estate Man dot com to list your
Speaker 10: home with Remax Alliance three oh three nine two zero
Speaker 10: sixteen twenty two.
Speaker 2: So you don't have runs. Can the shooter's gonna help
Speaker 2: coming this?
Speaker 1: He is the Troubleshooter Show. No, Tom Martinez, Welcome to
Speaker 1: the show, the only show of It's gotten. We're here
Speaker 1: to south problems, answer questions, take complaints, try to make
Speaker 1: your life a little bit better. In the case of
Speaker 1: this poor guy we got on the phone now lost
Speaker 1: his daughter four weeks ago up in Weld County, Non Colorado.
Speaker 1: She was hit and killed by a car in the
Speaker 1: parking lot. It's absolutely a horrible story. And we have
Speaker 1: one of our attorneys on who's an expert at referrals
Speaker 1: dot com. Joe is there a criminal attorney? And basically
Speaker 1: what I asked Joe in general, if something like this happens,
Speaker 1: and by the way, Joe, this happened at seven am
Speaker 1: in the morning. He said, there was no toxicology. Would
Speaker 1: that be pretty typical if an officer shows up, the
Speaker 1: ambulance shows up, and there's no signs of intoxication, would
Speaker 1: it be normal even in a death like this there
Speaker 1: would be no toxicology.
Speaker 8: Unfortunately, it is kind of normal. Okay, if they don't
Speaker 8: have any indicators, they won't do it.
Speaker 1: It's seven am too I mean, I'm not saying people
Speaker 1: aren't drunk at seven am. My god, if you've ever
Speaker 1: been to a Mexican resort or if you've ever been
Speaker 1: to Las Vegas, you know there's a lot of holes
Speaker 1: in that one. But absolutely positively at seven am, in general,
Speaker 1: they don't smell alcohol anything like that. You're saying, typically
Speaker 1: it doesn't matter where it happens, or at least in Colorado,
Speaker 1: there probably is not going to be toxicology.
Speaker 8: Yeah, unfortunately. I mean I think the better practices they should,
Speaker 8: but more often than not, it's just not done.
Speaker 1: And then what do they what does someone face as
Speaker 1: far as I don't know, jail time, I guess I
Speaker 1: doubt they'd go to prison for careless driving creating death.
Speaker 1: Is what is a typical sentence if there is such
Speaker 1: a thing, or what is the statute read? As far
Speaker 1: as what a judge can sentence.
Speaker 8: Yeah, I mean, realistically, they're probably looking at probation, core cost,
Speaker 8: potential fine, community service, maybe some classes like defense of
Speaker 8: driving or victim empathy or something of that sort. But
Speaker 8: it does carry a potential jail sentence. I believe it's
Speaker 8: up to a year, and it could affect their license
Speaker 8: as well, you know, but more often than not, and
Speaker 8: we've unfortunately have handled several of these cases, we're able
Speaker 8: to negotiate it down to something where it doesn't affect
Speaker 8: a license. There's no jail, it's just you know, a
Speaker 8: lot of times they're looking at significant communities. Serves like
Speaker 8: one hundred hours in probation.
Speaker 1: Well, like you said, though, I mean basically what this
Speaker 1: charge is for is for an accident. I mean, you know,
Speaker 1: a simple as that, without other circumstances tying into it. Now, Gary,
Speaker 1: hearing all that, and I know I can just tell
Speaker 1: in my heart you didn't want to hear this kind
Speaker 1: of information because I'd be with you. Man, if this
Speaker 1: was my daughter, I would think this is such a
Speaker 1: travesty of justice and all that. But that's just not
Speaker 1: the way our system works. But I do have Joe
Speaker 1: on right now. You have any follow up questions for him? Gary, No,
Speaker 1: it just sucks.
Speaker 7: Yeah.
Speaker 15: Yeah, it's Karen with family, little pieces.
Speaker 1: I can't even imagine Garry.
Speaker 15: Two little boy. She's got two little boys at home,
Speaker 15: five six years old and had the whole world by
Speaker 15: the ass everything was going her away.
Speaker 1: And Gary, I don't mean to switch the conversation into
Speaker 1: this because it might seem heartless for some people listening.
Speaker 1: But have you talked to a personal injury attorney because
Speaker 1: regardless of the criminal aspect in this, there is liability.
Speaker 9: Yeah.
Speaker 15: No, we I've got somebody looking into it. And that's
Speaker 15: just in the early stages.
Speaker 1: Did he have I mean, did the guy have insurance?
Speaker 1: You don't even know.
Speaker 15: They haven't even given us this insurance information. Well that's it,
Speaker 15: but you have have you engaged guy's namely, Gary?
Speaker 1: This is very important. Have you engaged with an attorney?
Speaker 1: You have an attorney looking into it?
Speaker 7: Yes?
Speaker 1: Okay, good, good, good good, because that's what those kids
Speaker 1: are gonna need is whatever compensation you can get out
Speaker 1: of it. I mean, they still need to be fed.
Speaker 1: You get all that, and I'm sure you and your
Speaker 1: wife are significant other or whomever will do it. But
Speaker 1: you know that money helps for the kids big time.
Speaker 2: Yeah.
Speaker 1: It sucks man, So so Gary.
Speaker 15: I I guess it's it's it's it's wrong. You know,
Speaker 15: whether it's a law or not, it's it's it's just
Speaker 15: plain wrong.
Speaker 1: Out of curiosity, if you could, if you could wave
Speaker 1: the magic wand in your eyes, what would be fair
Speaker 1: let's say he wasn't drunk, and I don't think he
Speaker 1: was because of the timing and because of the police
Speaker 1: didn't do anything. But who knows. It's we'll never know,
Speaker 1: no matter what, we'll never know. And let's say he
Speaker 1: I guess, Let's say he was looking at his phone
Speaker 1: or he was distracted, because it's in possible, it's impossible
Speaker 1: to believe he wasn't distracted because he ran over and
Speaker 1: killed her. So we know he was distracted. So if
Speaker 1: you had a magic wand and you were the judge
Speaker 1: and you could sentence anything, what do you think would be.
Speaker 15: Fair involuntary manslaughter?
Speaker 1: Well, punishment wise.
Speaker 15: Punishment wise, I'd like to see him do a minimum
Speaker 15: of a year.
Speaker 1: The one thing that hold on, go ahead, Joe, Yeah.
Speaker 8: The one thing I'll tell Garry is he has an
Speaker 8: absolute right to participate in the criminal case. So the
Speaker 8: defendant would have been charged with this careless driving resulting
Speaker 8: in death, he has a right to not only let
Speaker 8: the court know, but also the DA know his position
Speaker 8: what he thinks is an appropriate sentence, and they must
Speaker 8: take that into consideration. That doesn't mean they'll always go
Speaker 8: so on with it, but he has a right to participate, so.
Speaker 15: I'm getting any cooperation with the DA.
Speaker 1: Yeah, that's what I was gonna. I forgot to kind
Speaker 1: of tell Joe that. So he did not like the
Speaker 1: charges brought, of course by the police, and then he
Speaker 1: reached out to the DA and the DA's office I
Speaker 1: guess said they looked into it whatever and got back
Speaker 1: to him and said, yeah, these charges are correct in
Speaker 1: this circumstance. So he has kind of went down that route.
Speaker 1: But Joe, I guess what, I guess really, what you're saying, though,
Speaker 1: is he has a right to be just notified of
Speaker 1: all the court dates and everything else as well.
Speaker 8: Absolutely, he has a right to appear in court, he
Speaker 8: has a right to object to any potential plea bargains,
Speaker 8: and he has a right to make a statement at
Speaker 8: sentencing and ask the court to impose whatever he seems
Speaker 8: appropriate in a case like.
Speaker 1: That, Gary, you should be you should stay diligent and
Speaker 1: do that. You should, you know, basically make yourself known.
Speaker 14: Yeah.
Speaker 15: Absolutely, it's I plan on being fall in the very
Speaker 15: step of this. I got you, and I think it's
Speaker 15: I think it's truly an injustice.
Speaker 1: I trust me, man, I get where you're coming from.
Speaker 15: Gary, I learned me the most is he run over
Speaker 15: with the left front wheel of the pickup. He turned,
Speaker 15: he had the driver right around her to hit her.
Speaker 15: He was making a left into the Perking lot or
Speaker 15: into the Perkin spot right there, and he run over
Speaker 15: with the left front you know, she was right in
Speaker 15: his face. Something something's missing in this whole puzzle.
Speaker 1: Yeah, Gary, we feel for you here on the show.
Speaker 1: Big time man Kelly did me a favor. Let's make
Speaker 1: sure we have his info just so we can follow
Speaker 1: up in the future. I just I there's there's nothing
Speaker 1: anybody's going to do at this point. But if you
Speaker 1: stay diligent and stay on top of it, Gary, and
Speaker 1: you know, hold the DA's feet to the fire, hold
Speaker 1: the judge's fee to the fire. Least make your feelings.
Speaker 7: Know and Colorado or Toney General step in.
Speaker 1: I don't think so Joe is at even a possibility.
Speaker 1: I mean to me, this sounds Joe like everything's being
Speaker 1: done normal.
Speaker 8: Yeah, unfortunately, And Gary's welcome to call my office. I
Speaker 8: me more now I've we talk to them.
Speaker 1: I appreciate that. So anyhow, let's let's go there. Gary,
Speaker 1: We're gonna grab your information. Joe doesn't mind talking to you, Joe.
Speaker 1: I want to switch gears a little here. This new
Speaker 1: law coming in to effect. Everybody sees these signs everywhere.
Speaker 1: What do you know about it? It basically says, if
Speaker 1: you have your phone in your hand, you're going to
Speaker 1: get a ticket.
Speaker 21: Correct, and you're painting on a first offense, twenty five
Speaker 21: dollars fine, two points against your license.
Speaker 1: Oh my god, two point Wait a minute, two points
Speaker 1: against your license.
Speaker 9: Yeah.
Speaker 8: So basically, penalties for violating the new law start with
Speaker 8: a seventy five dollars fine, two point license suspension points
Speaker 8: for the first defense, and then first time violators and
Speaker 8: have the charge to smith if they provide proof of
Speaker 8: purchasing a hands free accessory.
Speaker 14: Oh my god.
Speaker 21: Obviously, repeat offenders facing more fine and more points off
Speaker 21: their license.
Speaker 1: You know, I'm going to say Devil's advocate here. I
Speaker 1: hate this law. I think it's dumb, and I'm going
Speaker 1: to tell you why. You know how many times I
Speaker 1: look over and some ladies putting on makeup in the car.
Speaker 1: She doesn't get the two points for doing that. She
Speaker 1: would only get in trouble for doing that if it
Speaker 1: created an accident or it created her to weave out
Speaker 1: of the line. I find it crazy if I'm holding
Speaker 1: a phone and I'm driving the speed limit and I'm
Speaker 1: doing everything correctly, that I could now be punished by
Speaker 1: two points in the fine. But other people can be
Speaker 1: shoving a big Mac down their pie hole and run
Speaker 1: into somebody, but they don't get that extra two points, right, Absolutely,
Speaker 1: wouldn't you call that a victimless crime if there was
Speaker 1: no victim. I mean, if we've ever heard of a
Speaker 1: victimless crime before, it would be the fact I have
Speaker 1: my phone in my hand while I'm in the car.
Speaker 1: I can have a banana in my hand, I can
Speaker 1: have well, I'm not even going to say I can
Speaker 1: have anything else in my hand. But my god, if
Speaker 1: you have your phone you're in trouble. How's that possible
Speaker 1: that you could have some PERV I'm not even going
Speaker 1: to go there. I think people know what I'm going
Speaker 1: to say. They wouldn't get in trouble, would they. They
Speaker 1: wouldn't get the extra two points if they're following the
Speaker 1: road rules.
Speaker 9: I agree with you.
Speaker 21: I think the most frustrating thing is we drive down
Speaker 21: the road every single day. How many people are eating
Speaker 21: a hamburger or French Frise or whatever, and they're more
Speaker 21: dangerous than me talking on my phone driving does well.
Speaker 1: I think the biggest thing is people putting on makeup
Speaker 1: guy or a girl these days. But whatever. So here's
Speaker 1: the other thing I want people to know. Then I
Speaker 1: appreciate you coming on, but I always tell people this
Speaker 1: if they're coming up on a road sobriety checkpoint. A
Speaker 1: couple things. One what we understand from talking to you
Speaker 1: all the time is they have to give you an
Speaker 1: option to turn off and not participate. So there'll be
Speaker 1: plenty of right Joe saying hey, sobriety checkpoint ahead, and
Speaker 1: they have to give you a place to not participate
Speaker 1: in turn and go a different way. Yes, period, end
Speaker 1: of story. Now, if they ask you at the sobriety
Speaker 1: checkpoint have you been drinking? Your best scenario, whether you've
Speaker 1: been drinking or not, is not even to answer or
Speaker 1: to say no, because if you do admit to drinking,
Speaker 1: then all of a sudden they can pull you. You're
Speaker 1: giving them probable cause to do a lot of other stuff.
Speaker 1: Is that correct?
Speaker 8: Yeah, Once you admit drinking or they detect alcohol, they're
Speaker 8: going to move into the next phase. Have you pull
Speaker 8: over and they're going to have you do voluntary roasters.
Speaker 1: So typically, let's say you just left Applebee's and you
Speaker 1: had one beer and you were there for an hour,
Speaker 1: and you know you're not intoxicated, and they you hit
Speaker 1: one of these checkpoints, or you get pulled over just
Speaker 1: by yourself and they say have you been drinking? And
Speaker 1: you say, yeah, I had one beer at Applebee's. That
Speaker 1: within itself basically opens you up to everything when it
Speaker 1: comes to drinking.
Speaker 8: Right, and it opens up the door to the next
Speaker 8: part of the investigation out.
Speaker 1: So what would you tell people typically to do in
Speaker 1: a scenario like that? Do you just not say anything? Because,
Speaker 1: let's face it, how awkward would that be. The cop
Speaker 1: says have you been drinking? And you go, I'm not
Speaker 1: going to tell you. I mean that that within itself
Speaker 1: is crazy, but they're not supposed to do anything at
Speaker 1: that point, right, Yeah.
Speaker 8: I would always tell somebody to say no. And then
Speaker 8: the next step is the officer either has to let
Speaker 8: you go on your merry way, or if they have
Speaker 8: enough that information, they.
Speaker 15: Could proceed to the next place.
Speaker 1: And then if they ask you, let's say they they
Speaker 1: say they smell alcohol and you haven't been drinking but whatever.
Speaker 1: So at that point, because they say they can smell alcohol,
Speaker 1: can you decline to take the roadside breathalyzer or you
Speaker 1: get in big trouble for that? And then can you
Speaker 1: decline to where you touch your nose and hop up
Speaker 1: and down on your toes and all that stuff.
Speaker 8: So all roads maneuvers, including the portable breast test on
Speaker 8: the scene, are voluntary.
Speaker 15: You do not have to do those.
Speaker 8: Those are used to help them establish problem cause, to
Speaker 8: determine whether or not you're intoxicated or impaired. Now, where
Speaker 8: I run into people that have problems is they'll refuse
Speaker 8: the chemical test once they've been arrested.
Speaker 1: And that could be a blood test. That's typically a
Speaker 1: blood test.
Speaker 8: It could be blood or breath. And what's interesting is
Speaker 8: Douglas County is now taking the approach that if you refuse, fine,
Speaker 8: they'll mark you as a refusal. You're potentially losing your
Speaker 8: license for at least a year.
Speaker 7: Yeah.
Speaker 8: No, by the way, we're going to get a warrant
Speaker 8: and we're going to seize your blood anyway, and we're
Speaker 8: going to use your blood result against you.
Speaker 1: Oh so if you do refuse, no matter what, you're
Speaker 1: going to lose. In fact, that's not actual criminal is it.
Speaker 1: At that point? That's DMV re revoking your right to
Speaker 1: drive because you agreed in the state of Colorado when
Speaker 1: you got a license you would submit or you would
Speaker 1: lose your license. But that's not getting a dui. So
Speaker 1: what you're saying is not only do you lose it
Speaker 1: for that year, which is more of what an administrative hearing.
Speaker 8: Yes, it's administrative civil hearing.
Speaker 1: Now, then they'll come after you get get they'll get
Speaker 1: your blood and then they'll go after the dui.
Speaker 7: Exactly.
Speaker 1: Hey, odd of curiosity if that happened to somebody, And
Speaker 1: tell me if you've run into this with any clients
Speaker 1: they do pull it and there is no alcohol, do
Speaker 1: they still lose their license for a year. How strange
Speaker 1: would that be? But they probably do because of the
Speaker 1: refusal right they do. And it's it's scary.
Speaker 4: You would you recommend somebody who does who hasn't had
Speaker 4: any alcohol to do a roadside bread.
Speaker 1: Test just a safe topic.
Speaker 8: Yeah, if you haven't been drinking, absolutely, I do a
Speaker 8: portable bread TSK. And if for some reason you got arrested,
Speaker 8: I would to a chemical test whether that's but or
Speaker 8: breath because you don't want to go through the hassle,
Speaker 8: and that's the one piece of evidence that will prove
Speaker 8: your innocence.
Speaker 7: Correct.
Speaker 1: But if you're okay, Joe, then I'm going to ask you.
Speaker 1: I got to take this great, but I'm gonna ask
Speaker 1: you one more question then I'll give your info out.
Speaker 1: But if someone has been drinking and they is there
Speaker 1: any time you would ever say you shouldn't have taken
Speaker 1: the chemical test, the one you.
Speaker 5: Have to.
Speaker 15: Yeah, we do.
Speaker 8: I mean everything you do is evidence that's used against you.
Speaker 8: So if you have, if you've been drinking, you're highly intoxicated,
Speaker 8: and you have multiple priors, Yeah, that evidence is just
Speaker 8: going to hang in.
Speaker 1: It's going to hang you because it could be it
Speaker 1: could be a felony at that point, you could be
Speaker 1: facing ten years or whatever.
Speaker 8: Yeah, a lot of times you're better off not giving
Speaker 8: the state evidence to convict you got it.
Speaker 1: But like you said, Douglas County, now they're gonna they're
Speaker 1: gonna grab it anyhow. And you know, I don't have
Speaker 1: a problem with that. But you know what this guy
Speaker 1: everybody listening, Joe knows the system inside. Now he does
Speaker 1: flat rate pricing, at least on DUIs, but pretty much
Speaker 1: anything criminal Joe can handle. He's a great guy. And
Speaker 1: the reason I tell you this is I want you
Speaker 1: to put his phone number in your phone right now,
Speaker 1: because when something happens, you need that number. You don't
Speaker 1: want to be googling some clown's number. You want Joe Lazera.
Speaker 1: He knows the judges, he knows the das. If you're guilty,
Speaker 1: he's going to get you the best deal possible out there.
Speaker 1: And if you're innocent, he's going to get up and
Speaker 1: convince a jury you didn't do anything wrong. Joe Lazzara
Speaker 1: three oh three, four to two nine sixty two hundred
Speaker 1: three zero three four nine sixty two hundred. I got
Speaker 1: to take a break. I promise. We've got a question
Speaker 1: on a home edition. We've got a couple questions by
Speaker 1: text on loans, and then Cheryl has a question or
Speaker 1: a problem with a landlord. One line open, three zero
Speaker 1: three Martino, three oh three Martino, Go.
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Speaker 1: Okay, so a little bit of good news out there,
Speaker 1: but it's going to be shocking what it means to
Speaker 1: homeownership in refinancing getting cash out. By the way, Frank Duran,
Speaker 1: the real estate man in with me, and then Ryan Herbig,
Speaker 1: he's been on a referral list or referral list dot com.
Speaker 1: Welcome into studio, by the way, Ryan, and I'm hoping
Speaker 1: to see more of you here. But here's the bottom line,
Speaker 1: American Liberty Mortgage. You guys do about every kind of
Speaker 1: loan known demand. You guys, reverses of course, fifteen thirties, twenties,
Speaker 1: really whatever people need. As far as lending cash outs.
Speaker 1: You even do helock loans if they just want to
Speaker 1: tap in and maybe update that kitchen or whatever.
Speaker 20: Yeah, yeah, we do he loocks. We do all the
Speaker 20: traditional stuff. Conventional fhava. We got outside of the box loans.
Speaker 20: We can use bank statements to qualify. We have very
Speaker 20: very good programs for it.
Speaker 7: What does that mean?
Speaker 1: You can use bank statement so instead of like having
Speaker 1: to talk about your job history, you can go off
Speaker 1: of basically just assets. Yeah. So an asset based loan,
Speaker 1: whether it's cash or whatever, well, it's it's a bank statement.
Speaker 20: Loon is typically going to be for a self employed
Speaker 20: person that doesn't claim enough income on their taxes qualify.
Speaker 1: Because they're trying to save money on their taxes. Correct,
Speaker 1: and a lot probably every contractor in the world falls
Speaker 1: into that, a lot.
Speaker 5: Of self employed people do.
Speaker 20: So we can actually take twelve months of their bank
Speaker 20: statements and they will add that income up and depending
Speaker 20: on the type of business, they'll take any expense ratio
Speaker 20: off of that and we can use that as qualifying income.
Speaker 5: I'm actually working on one right now.
Speaker 1: Oh, that's really cool. And the success rate is fine.
Speaker 1: I mean, it all comes down to numbers.
Speaker 9: Yeah.
Speaker 20: We can actually submit the bank statements to any of
Speaker 20: our investors that do them, and they'll calculate the income.
Speaker 20: In about a day, we'll have the income and then
Speaker 20: we know exactly how much we can use.
Speaker 1: So about two minutes ago, interest rates just drapped a
Speaker 1: quarter Is that what the FED did?
Speaker 5: The FED funds rate dropped a quarter percent?
Speaker 1: Yeah, which, so think about this. This is amazing to me.
Speaker 1: So what that means in general, that's the money the
Speaker 1: banks borrow from the FEDS, from the government exactly. So
Speaker 1: they are now borrowing. All these banks around are literally borrowing.
Speaker 1: You got to remember they borrow money every night basically
Speaker 1: depending on where they are. I mean, this money moves
Speaker 1: around so quick it's crazy. But right now the banks
Speaker 1: are borrowing at a quarter point less. Correct. But interest
Speaker 1: rates have reacted for homes like a thirty year fix
Speaker 1: has reacted. How in the last ten minutes or whatever.
Speaker 5: Mortgage rates are actually going up now explain that.
Speaker 1: I mean, it's not the first time it happens, and
Speaker 1: I don't mean get into a crazy story about it,
Speaker 1: but eventually it should catch up. Yeah.
Speaker 20: So the FED funds rate, as you mentioned, is the
Speaker 20: rate that banks borrow money. So that's going to affect
Speaker 20: your auto loans, your home equity lines of credit, bank
Speaker 20: specific loans. Mortgage loans are driven by mortgage backed securities YEP,
Speaker 20: which are traded a little bit differently. Also, they's somewhat
Speaker 20: tied to the ten year note. But what we're seeing
Speaker 20: is so the Fed dropped a quarter today. However, in
Speaker 20: the last couple of months, we've had some higher inflation
Speaker 20: numbers than what the Fed wants to see. Yeah, of course,
Speaker 20: So what's moving mortgage rates in a bad direction is
Speaker 20: we believe the Fed next year is only going to
Speaker 20: lower once or twice instead of they were talking about
Speaker 20: four to five quarter point drops.
Speaker 1: So it was a conversation afterwards. They weren't talking four
Speaker 1: or five total points. Now they're only talking.
Speaker 20: We're talking twenty five or fifty bait points or a
Speaker 20: quarter or a half percent instead of one to one
Speaker 20: and a half percent that was expected next year.
Speaker 7: Yeah.
Speaker 1: Hey, both of you been in the business a long time.
Speaker 1: Frank Dran the real estate man, Ryan, So looking back
Speaker 1: in your careers, either lending or selling homes, what would
Speaker 1: you say the average or medium median? I don't even
Speaker 1: know if I want to put it that way. I
Speaker 1: want to go back to average. Now that's not fair.
Speaker 1: It's not fair in either way. The median interest rates
Speaker 1: on a thirty year market because people got really used
Speaker 1: to two and three percent. I know people that were
Speaker 1: doing cash outs because in Colorado the equity was going
Speaker 1: up so quick they could do a cash out every
Speaker 1: six or eight months and basically, well they're basically selling
Speaker 1: their house the slow way, but they were pulling cash
Speaker 1: out constantly. What would you say in your careers the average.
Speaker 5: Was I would say mid fives, the mid sixes.
Speaker 1: Five and a half to six and a half.
Speaker 3: Frank, that sounds about right, I say, yeah, between four five,
Speaker 3: maybe in the sixes.
Speaker 1: But boy, I've done it for thirty years.
Speaker 3: I remember when the rates were a lot higher too,
Speaker 3: and then they went really low, and then I remember
Speaker 3: we purchased I think at a four percent interest rate.
Speaker 3: There they're down there around four percent for a while.
Speaker 1: So our first house, Suzanna and I bought from US
Speaker 1: Homes in Parker, Colorado, Clark Farms. The house was brand new,
Speaker 1: one hundred and ten thousand, nineteen ninety three, babe as
Speaker 1: Ra nineteen ninety three. The interest rate was basically seven
Speaker 1: percent six ' nine and that was just the going
Speaker 1: rate at the time. So that's nineteen ninety three, but
Speaker 1: the house was only one hundred and ten That house
Speaker 1: probably right now sells. I would assume four hundred thousand,
Speaker 1: I mean maybe, but crazy amounts or way more.
Speaker 20: We got very spoiled after the mortgage meltdown because between
Speaker 20: twenty ten and twenty twenty two, interest rates were being
Speaker 20: artificially held low by the Fed.
Speaker 1: Yeah, of course, so that was that was an unusual
Speaker 1: What's really strange about that is the people in their
Speaker 1: twenties are the people that were first time home buyers
Speaker 1: in that period of time. Now look at the rates
Speaker 1: now like they're insane, and they're not. I mean, six
Speaker 1: and a half percent is not insane by any means.
Speaker 1: You could go talk to my dad during Jimmy Carter
Speaker 1: that had a thirteen percent mortgage all day long. You
Speaker 1: can go back to where Susanna and I bought our
Speaker 1: first now in the early nineties, and seven percent was average. So,
Speaker 1: I mean, where we're sitting right now is not crazy.
Speaker 1: But if you came up in the last if you
Speaker 1: were twenty five years old in twenty ten, you thought
Speaker 1: interest rates were always as slow. Yeah, you guys do
Speaker 1: VA too, right, Yes, a lot of a ton of VA.
Speaker 8: Yeah.
Speaker 1: It's about half of my business, half of your business, yea.
Speaker 1: And what's the biggest deal of VA. You can get
Speaker 1: one hundred percent loan to value. Yep, yeah, you can
Speaker 1: borrow a hundred percent and then how about cash out?
Speaker 1: You can go up to one hundred percent cast percent
Speaker 1: even on a cash out, and the rates are typically
Speaker 1: going to be a little bit lower than a conventional loan.
Speaker 1: The qualifications are typically going to be a little bit easier.
Speaker 1: We can go to lower credit scores. They're just they're
Speaker 1: a little they're a little more friendly to get qualified.
Speaker 1: But obviously you've got to be a veteran. All right,
Speaker 1: real quick, Cheryl, what's going on with you?
Speaker 4: Oh?
Speaker 13: Thank you for taking my call for love your show,
Speaker 13: real cook, I'm a landlord. The way you worded it,
Speaker 13: I think you thought I always had a problem with
Speaker 13: the landlord. But I am the landlord.
Speaker 1: Oh okay, so you've got a problem with a tenant.
Speaker 13: Great tennis. But I just keep hanging in there with them.
Speaker 1: What are they always late? I mean, give me an idea,
Speaker 1: always late, always late.
Speaker 14: They eventually did.
Speaker 13: Pay up, and then they're back to being late again.
Speaker 1: They just drag it on. Okay, hold tight. I want
Speaker 1: to do a couple of things. One I would like, well,
Speaker 1: I want to find out exactly what your question is.
Speaker 1: But I think we'd probably like to get on our
Speaker 1: real estate attorney, and I like having experts on whenever,
Speaker 1: So Kelly, maybe we reach out to Brad O'Brien. Jan's
Speaker 1: got a problem with a dentist. There is nothing like
Speaker 1: having trouble with the dentist. We had one dentist years ago,
Speaker 1: got I say years five, six years ago. The kid
Speaker 1: had braces orthodonists. He had braces, and the mother wasn't
Speaker 1: making the one hundred dollars a month's payments, and the
Speaker 1: kid was in pain because of the they needed to
Speaker 1: be adjusted and they started digging into his guns. You
Speaker 1: know that bastard wouldn't adjust the braces and that kid
Speaker 1: was in pain because the mother couldn't pay until we
Speaker 1: got involved.
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Speaker 10: customer when you choose Frank durand the real estate man
Speaker 10: dot com to list your home with Remax Alliance three
Speaker 10: three nine two zero sixteen twenty two.
Speaker 1: You know, we were talking during the break and Ryan
Speaker 1: was telling me a couple of weeks ago he actually
Speaker 1: locked a couple people in on what'd you say, a
Speaker 1: VA loan? Were they good?
Speaker 5: VA streamline refinancial?
Speaker 1: Oh, streamline five and a half percent? And I started thinking,
Speaker 1: you know, it would be cool people that want to actually,
Speaker 1: you know, they either need cash out or they're moving,
Speaker 1: they have to do it if they contact you. I
Speaker 1: don't know if you do this service or not, but
Speaker 1: they can kind of eyeball or you can keep an
Speaker 1: eyeball and then when different rates depending on the product
Speaker 1: they want, hit around that area, boom, you can pull
Speaker 1: the trigger. So you're kind of doing all the research
Speaker 1: for him, because that's what you do for a living,
Speaker 1: and have everything ready to go to be able to
Speaker 1: lock them in. I mean, do you guys do anything
Speaker 1: like that?
Speaker 20: Yeah, yeah, yeah, I've got a whole all of my clients.
Speaker 20: I've got a list and we have target interest rates
Speaker 20: and when they hit there, I get alert.
Speaker 1: They're right there. But at five and a half. People
Speaker 1: would kill for that streamline two weeks ago at five
Speaker 1: and a half. That's nuts. Yeah, And streamline means there's
Speaker 1: no appraisal. They're basically doing a quick cash out, just
Speaker 1: a quick refin.
Speaker 20: Well, you're actually on a streamline, you cannot pull cash out,
Speaker 20: no cash Yeah, So it's just lowering interest rates.
Speaker 1: They lower an interest rate or term or term. Yes,
Speaker 1: you can go from a thirty to a fifteen, pay
Speaker 1: that thing off and twice the twice the speed. And
Speaker 1: then Frank brought something up. And then Cheryl, I'm gonna
Speaker 1: come right back to you. But Frank, you brought up
Speaker 1: people waiting for interest rates to go down, or they're
Speaker 1: sitting on the fence selling their house. Explain what your
Speaker 1: point is and I get it because while they're waiting
Speaker 1: for interest rates to go down, which can happen or
Speaker 1: not happen, the value of their house is going up.
Speaker 3: So go ahead, Yeah, Mark, think about this. When rates
Speaker 3: were down to three and four percent, people were paying
Speaker 3: through the roof. There was hardly any inventory out there.
Speaker 3: They're paying sometimes forty fifty eighty one hundred grand over
Speaker 3: asking yep. So they had the lower interest rate, they
Speaker 3: were paying more for real estate. And now watch this
Speaker 3: last month. Statistically, fifty percent of the homes before they
Speaker 3: sold how to do a price reduction before they went
Speaker 3: under come price reduct price reduction.
Speaker 1: So by waiting for interest rates to come down, by
Speaker 1: giving people looking a better opportunity to buy more house, yes,
Speaker 1: they're actually not doing anything because the home itself is
Speaker 1: coming down.
Speaker 3: They're getting better deals. And on top of that, six
Speaker 3: percent of those homes they gave the sellers paid concessions
Speaker 3: towards interest, straight buydowns or fix ups on the home.
Speaker 3: So buyers actually are getting better deals.
Speaker 15: Now.
Speaker 3: Now maybe the rates are a bit higher. You can
Speaker 3: always refinance down the stretch.
Speaker 7: What did you guys?
Speaker 1: You know you can always refine? What did you guys say?
Speaker 1: You said, marry the interest rate, But now I marry
Speaker 1: the house date the rate. Marry the house date the rate. Interesting?
Speaker 14: I like that.
Speaker 1: Three O three seven one three eight two five five.
Speaker 1: Hey Cheryl, so what is going on with your tenant?
Speaker 1: We know they're not paying you, but then they get
Speaker 1: caught up. What's the question.
Speaker 13: Okay, it's I don't want to go into anything they
Speaker 13: don't need, but let me just give you some pros
Speaker 13: and cons real quickly about this particular tenant, which is
Speaker 13: why I'm so twisted on my decision to a victim.
Speaker 1: Yeah, but I don't even know if you can a
Speaker 1: victim if they're caught up.
Speaker 13: Yeah, well they're not caught up for this.
Speaker 7: Okay.
Speaker 13: This is happened countless time.
Speaker 1: All right, So go ahead, tell me about these people
Speaker 1: real quick.
Speaker 13: He has remodeled the house, okay, since he's been there
Speaker 13: off and on. Okay, and there's not nearly enough communication
Speaker 13: on doing it with trips me. He's got five kids. Yeah,
Speaker 13: it's Christmas time, and those are the things keeping me
Speaker 13: from following through on this.
Speaker 1: Well, Cheryl, you can't. You couldn't kick him out that
Speaker 1: quick right now. Anyhow, I guaranteed be in that house
Speaker 1: for Christmas. I think you got to figure out if
Speaker 1: you want him long term. When's the lease up?
Speaker 13: It is le up in February. I was going to
Speaker 13: continue it.
Speaker 9: Yeah, I came through with the rent.
Speaker 13: I was going to lease it to him by the month. Yeah,
Speaker 13: after February.
Speaker 1: It's pretty hard just to get rid of someone if
Speaker 1: they're caught up. I understand you're saying they always get behind,
Speaker 1: but when you show up for an eviction hearing. If
Speaker 1: you start the eviction process and give the notice, if
Speaker 1: you do everything right, you show up and they cure
Speaker 1: the debt right then and there, they're back in the game.
Speaker 1: There's nothing you're going to do about it. In the
Speaker 1: state of Colorado. In fact, it's worse than that, Cheryl.
Speaker 1: I don't know if you know this, but if you're
Speaker 1: not going to move into that property now, or if
Speaker 1: you're not going to sell that property, and there's some
Speaker 1: other events that you can get rid of them. But
Speaker 1: in general, if you just want to get rid of
Speaker 1: them for anything besides nonpayment, you can't even cancel a
Speaker 1: lease on them anymore. Well, then I'd be silent too
Speaker 1: if I was a landlord here in that for the
Speaker 1: first time. I mean, but that's what we get for
Speaker 1: voting for who we voted for. So I mean that's that.
Speaker 13: I mean, yeah, very very well aware of that one.
Speaker 1: So I don't I mean, I can't make a moral
Speaker 1: I'm not going to help you make a moral decision
Speaker 1: on your tenants. But what I do want you to
Speaker 1: know is I don't know how much of a choice
Speaker 1: you have. I mean, if you figure out if you
Speaker 1: want to get rid of them. What I can do
Speaker 1: is tomorrow I can get Brad O'Brien on he's in
Speaker 1: court today, and we can talk to Brad about different
Speaker 1: ways you could literally get rid of these people. But
Speaker 1: in general, if they cure the debt, even if they're late,
Speaker 1: you're not gonna get rid of them in Colorado anymore
Speaker 1: unless you're gonna move back into the property or sell
Speaker 1: the property. That's just the way it is. People think
Speaker 1: I have a one year lease with Joe Blow. When
Speaker 1: the one year lease is up, I don't have to
Speaker 1: rent to him anymore. That is not the case in Colorado.
Speaker 1: I don't know how else to put it. It's simply
Speaker 1: not the case. And I'm not going to argue if
Speaker 1: it's right or not. I think it's horrible. I think
Speaker 1: it's gonna ultimately make it to where there's less properties
Speaker 1: to rent, which means they're going to be more expensive.
Speaker 1: I think it's gonna have a negative effect than what
Speaker 1: the liberals thought it was gonna have. But none of
Speaker 1: that matters because it's the rules now. David and jan
Speaker 1: you hold tight.
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Speaker 11: Find out now three all three seven to seven to
Speaker 11: one help.
Speaker 10: You'll think you're his only customer when you choose Frank
Speaker 10: durand the real estate man dot com to list your
Speaker 10: home with Remax Alliance three all three nine two zero
Speaker 10: sixteen twenty two.
Speaker 2: Yeah, ripped.
Speaker 1: News. So you don't have.
Speaker 2: Come run anxious fast as you can. Shooter's gonna help.
Speaker 1: Come man, This is the Troubleshooter Show. Now, Tom Martinez, Welcome,
Speaker 1: Welcome my friends to the only show of its kind.
Speaker 1: We're here to south Fromise, answer questions, take complaints. Over
Speaker 1: three hundred million dollars say it with me, three hundred
Speaker 1: million dollars in cash, merchandice exchanges, refunds services directly due
Speaker 1: to the show. And it's actually quite a bit more
Speaker 1: than that. That's what we can track over a forty
Speaker 1: five year period. By the way, the longest running show
Speaker 1: in the country with the same host, the longest running show.
Speaker 1: I love when people try to find one that's run
Speaker 1: longer with the same host. Tom has been in Colorado
Speaker 1: forty five years. Forty five years. He was doing something
Speaker 1: similar prior to this, But right here in Colorado forty
Speaker 1: five years, there's nothing else. The closest would be the
Speaker 1: Grand Old Opera, which is still on, but it's had
Speaker 1: numerous different hosts over the years, numerous. The only other
Speaker 1: one close would be Howard Stern, but not quite very close,
Speaker 1: though very very close. How long Stern been on Dragon?
Speaker 1: Do you know it's been a while?
Speaker 9: Not sure, but I would think even Rick Lewis in
Speaker 9: this building might be able to give Tom a run
Speaker 9: for money.
Speaker 1: But I think even Ricks only thirty years. Yeah, forty
Speaker 1: five years, can you believe it? Forty five years? J COR,
Speaker 1: I don't know who he was. Oh, actually he told
Speaker 1: me this. It was owned by Prior to j COR,
Speaker 1: it was owned by like General Electric, I mean, some
Speaker 1: weird conglomeration like that. Then it was j Core. Then
Speaker 1: of course Clear Channel bought out j Core, and then eventually,
Speaker 1: you know, j COR sold off all the radio stations
Speaker 1: to iheard. I think they kept the billboards, which they
Speaker 1: probably still own and Ryan Herbig. You have offices in
Speaker 1: Colorado Springs and Denver and Colorado Springs. You guys have
Speaker 1: billboards everywhere out here. You don't see billboards, no, Yeah,
Speaker 1: isn't that weird. Our rules on billboards in Denver are crazy, good, bad,
Speaker 1: are indifferent. But it's funny. When I go down to
Speaker 1: our affiliate in the Springs KRDO, Holy moly, man, there's
Speaker 1: billboards every ten feet. I'd say it's a little overkill.
Speaker 5: They have a lot of billboards, a lot of electronic
Speaker 5: billboards now a ton.
Speaker 1: Yeah, that's if you own the proper space, that's the
Speaker 1: way to do it. Absolutely. Hey, we were talking different mortgages.
Speaker 1: American Liberty Mortgage. Ryan her Big is one of the owners.
Speaker 1: He's been with us on referral list dot com for
Speaker 1: years and years and years. I do commercials for you
Speaker 1: down in Colorado Springs. People when it comes to interst
Speaker 1: rates right now, people think they're high, but honestly, I
Speaker 1: don't think they're that high. If you do the math,
Speaker 1: if you have a lot of credit card debt, that
Speaker 1: could be twenty seven percent. If you have a card
Speaker 1: debt that you're in at ten to thirteen percent and
Speaker 1: you can REFI get some cash out and pay off
Speaker 1: that debt. If you crunch the numbers for people, you
Speaker 1: can save a ton. I mean, even if you perceive
Speaker 1: interst rates is a little high, they're probably more in
Speaker 1: line right now than they have been in twenty years.
Speaker 1: Would you agree with that?
Speaker 5: Yeah, I would totally agree with that.
Speaker 20: And if you've got not only credit card debt, but
Speaker 20: a lot of people have taken out personal loans.
Speaker 5: I've secured those are fifteen to twenty percent.
Speaker 1: Oh, I'll tell you a big one. We get calls
Speaker 1: on the these weird loans where like you can either
Speaker 1: go on a vacation and pay for it over time,
Speaker 1: or you go buy an appliance or a set of
Speaker 1: tires or have a car repay. You get six months
Speaker 1: with no payments, no interest. But the second that becomes due,
Speaker 1: not only in a lot of people don't realize this,
Speaker 1: not only does that money do right then in the
Speaker 1: interest kicks in, but all the interest for that free
Speaker 1: amount of time kicks in. So you could literally double
Speaker 1: what you owe just by going over that period of time.
Speaker 5: Yeah, this pay as you go programs, you got to
Speaker 5: be very careful with them.
Speaker 7: Yeah.
Speaker 1: So when you talk streamline, we talked about this a
Speaker 1: streamline right now. A couple of weeks ago, you had
Speaker 1: a couple you locked in at five point five. That
Speaker 1: means you go in. There's no cash out, but you
Speaker 1: can either change the term from like a thirty to
Speaker 1: fifteen or just to a refinance. But you don't have
Speaker 1: to pull an appraisal. What else don't you have to do.
Speaker 20: There's no income documentation, there's no debt to income ratio requirements.
Speaker 1: So basically you pull a credit report.
Speaker 20: Yeah, yeah, it is based on a credit score, and
Speaker 20: you cannot be late on your mortgage, so as long
Speaker 20: as you've made twelve payments on time, or you can streamline.
Speaker 20: You can streamline and literally like snapping your fingers, and it's.
Speaker 1: Cheap because you're not paying for the appraisal and all
Speaker 1: this other stuff. And then you talked about contractors, Frank,
Speaker 1: how often will you have someone that has a business
Speaker 1: like a contractor and you know, come the end of
Speaker 1: the year, it doesn't look that good, but you actually
Speaker 1: made a lot more money. You don't want to give
Speaker 1: Uncle Sam everything. I'm not saying they're lying on their taxes,
Speaker 1: but you know they might be playing the game. Right,
Speaker 1: let's put it that way. How many times does that
Speaker 1: happen and it becomes an issue with your buyers. Frank,
Speaker 1: like a contractor or a small business owner has a
Speaker 1: few issues or a few hurdles to go over for
Speaker 1: the financing part, compared to someone that's just on a
Speaker 1: W two mark. I rarely ran into that, Okay, I
Speaker 1: mean once in a while, you do.
Speaker 3: But the great news is, before we even get them
Speaker 3: out there looking at properties, we get them very well prepared.
Speaker 3: We'll have a do an initial prequell. If they're not
Speaker 3: quite there, we get them on a roadmap to get
Speaker 3: them ready to help them. Oh yeah, yeah, So we
Speaker 3: don't just rush them in there, get them out there.
Speaker 20: Do you guys do the same thing, Ryan, Yeah. But
Speaker 20: this time of year is really advantageous for self employed people.
Speaker 20: So if I'm working with somebody and they didn't claim
Speaker 20: enough income in twenty twenty three, what I like to
Speaker 20: do is set an appointment with them in late January
Speaker 20: or early February and look at their year end numbers
Speaker 20: and we can literally go down and show them what
Speaker 20: kind of income they need to claim for twenty twenty four.
Speaker 1: You can help them correct so they'll qualify for the loan. Yeah,
Speaker 1: now you see it a lot because you're on the
Speaker 1: loan side.
Speaker 20: Yeah, so this this is a good time of year
Speaker 20: to do that because January February you can actually plan
Speaker 20: what they're going to do.
Speaker 1: And what is that kind of loan called? Is that
Speaker 1: just a traditional thirty year what is it?
Speaker 22: Yeah?
Speaker 1: Is it non convent?
Speaker 5: No, it would be a conventional loan.
Speaker 20: So let's say I'm qualifying somebody and they didn't claim
Speaker 20: much income last year in twenty twenty three. Yeah, we
Speaker 20: can plan in January February for their twenty twenty four
Speaker 20: income tax return. Once they file that return, then we
Speaker 20: can use that. How about qualifying income?
Speaker 1: How about someone that's either retired or they I took
Speaker 1: time off I don't know, for whatever reason, they haven't
Speaker 1: worked for a year, but they have plenty of cash
Speaker 1: on the bank on hand, either in the bank or wherever.
Speaker 1: I mean, how do you guys look at that? Is
Speaker 1: there loans out there for people like that or refinance
Speaker 1: option for people that you know, basically have money but
Speaker 1: want to get a better interest rate.
Speaker 20: Yeah, there's there's asset depletion loans. There's quite a few
Speaker 20: different programs for that. Fany and Freddie have one.
Speaker 1: And you guys look at all this stuff.
Speaker 20: Yeah, yeah, yeah, we can deplete assets as income to qualify.
Speaker 20: Another thing is if they have a four toh one
Speaker 20: K or an ira and they're over fifty nine and
Speaker 20: a half, they can literally set up a withdrawal distribution
Speaker 20: and I can use that amount immediately as qualifying income immediately,
Speaker 20: oh as qualifying inca as long as they have a
Speaker 20: three year continuance.
Speaker 1: And that you can also, speaking of people in that
Speaker 1: age range, you can also go in and do a
Speaker 1: reverse mortgage, or you.
Speaker 5: Could do a reverse mortgage in that case too, okay, yep.
Speaker 1: And then usually a reverse mortgage they can tap into
Speaker 1: what fifty percent of the equity depending on.
Speaker 20: Age thirty to sixty depending on age Oh yeah, sixties.
Speaker 5: Think he's going to be way older.
Speaker 1: Yeah, and you're not going to have a way younger
Speaker 1: spouse or anything like that. But you can answer all
Speaker 1: the questions on that stuff. That's what I love about
Speaker 1: these guys. American Liberty Mortgage. If you give them a call,
Speaker 1: the bottom line is they'll find the right loan for you.
Speaker 1: I mean, that's really the way to say it. Yeah,
Speaker 1: how about if they're a first time home buyer. Do
Speaker 1: you guys have options like where you only have to
Speaker 1: put ten percent down, or you know where you get
Speaker 1: grant money or things like that.
Speaker 5: Yeah, there's a lot of programs.
Speaker 20: CHAFF is probably the most popular one Coloradousing Finance authority,
Speaker 20: and you know the in and out.
Speaker 5: They'll do one thousand dollars down.
Speaker 1: We have a one thousand dollars down.
Speaker 20: Yeah, you can do as little as one thousand dollars down.
Speaker 20: Structure the contract correctly.
Speaker 4: Yeah, Is that going to lead to a lot of
Speaker 4: foreclosures one thousand dollars down.
Speaker 20: CHAFF has been around for a very long time, so
Speaker 20: it's been successful. It's been a pretty successful program. They
Speaker 20: do require a first time home buyer class to be taken,
Speaker 20: which hopefully alleviate some of that post for contact.
Speaker 1: Don't you think they should have a first time credit card?
Speaker 6: Yeah?
Speaker 1: Ass, I mean, I like in high school they do.
Speaker 4: You can have a prepaid credit card and have a
Speaker 4: limit on it and you can get your credit school.
Speaker 1: No, but I'm saying, just even in high school, explain
Speaker 1: to these kids how the hell you know eventually all
Speaker 1: you're paying is interest for the rest of your life.
Speaker 4: They've got to have some kind of life lesson in
Speaker 4: high school so kids can balance the checkbook, know about.
Speaker 7: Credit, know what to buy, how to buy a car
Speaker 7: or lease all of it. What to do with renting
Speaker 7: an apartment. That stuff needs to be taught.
Speaker 1: How many first time homeowners do you get, Frank boy,
Speaker 1: I'd say mark for us, that makes it.
Speaker 3: But maybe about twenty percent of the buyers they are
Speaker 3: first time buyer. Yeah, they're first time buyers, but a
Speaker 3: lot of those are referrals of clients we've held for
Speaker 3: years where now their kids are growing up, they're ready
Speaker 3: to buy a house now.
Speaker 1: So hey, you just ryan if someone is either a
Speaker 1: first time buyer and maybe they're going through a different lender,
Speaker 1: but they haven't signed any agreements yet, how do you
Speaker 1: shop for a mortgage? Honest to god, like some people
Speaker 1: go years and years ago. I remember going to Rocket
Speaker 1: Mortgage or Quickened Loans or something and I filled out
Speaker 1: stuff online. I must have had ten thousand people call me.
Speaker 1: It was the worst thing I ever did. I ended
Speaker 1: up not going with any of them. How is a
Speaker 1: way to shop if someone's got a quote from you know,
Speaker 1: somebody else in town and they call you up. I mean,
Speaker 1: how does one shop for a loan. Is there a
Speaker 1: chance your interest rates are going to be lower? Or
Speaker 1: if we don't even care about interest rates, you're looking
Speaker 1: at the total costs going to be lower.
Speaker 20: Yeah, there's typically working with a real estate agent, you know,
Speaker 20: like Frank, They're typically the best way is to have
Speaker 20: them refer people. Yeah, because usually working by referral is
Speaker 20: the best way to do it. Most of the time referrals.
Speaker 20: We get people through referrals as well.
Speaker 1: Well, I guess what I'm asking is, are you, actually,
Speaker 1: I'll put it this way, cheaper In other words, are
Speaker 1: you going to be cheaper than some Joe Blow that
Speaker 1: calls you off of a Quicken loans or a Rocket
Speaker 1: Mortgage or whatever's out there.
Speaker 9: Yeah.
Speaker 20: I mean there's thousands of mortgage companies, but I would
Speaker 20: say we're on the cheaper lower rates.
Speaker 1: As you're aggressive, let's aggress what it is. Yeah, you
Speaker 1: want the business.
Speaker 20: If you're gonna call one hundred lenders, you'll probably find
Speaker 20: somebody that may have a better rate. But we're gonna
Speaker 20: beat USAA, typically Rocket Mortgage and all the big boxes.
Speaker 1: You're gonna beat all them. That's I love the show and.
Speaker 20: Most important on service because I think Frank would agree.
Speaker 20: Working with the local lenders is the way to go. Oh,
Speaker 20: you're gonna hold your hand and make sure they get
Speaker 20: to that table.
Speaker 3: To Ryan's point, let me tell you how many times
Speaker 3: I've had a listing buyer comes in with an out
Speaker 3: of state lender. The headaches that causes the lack of communication.
Speaker 3: I mean, great, great point.
Speaker 1: Hey David, what's going on? Oh, by the way, I've
Speaker 1: been asked four times now American Liberty Mortgage. Is this
Speaker 1: your direct number?
Speaker 9: Ryan?
Speaker 5: That is my mobile number?
Speaker 1: All right, listen, I'm gonna give you a cell number.
Speaker 1: So he's here for another forty minutes, but after the show,
Speaker 1: any questions if you need to cash out, I'm being
Speaker 1: honest to god, I've known this guy forever. We probably
Speaker 1: talk once a month. I end up reaching out here
Speaker 1: for some form of a question. But American Liberty Mortgage,
Speaker 1: right down, Ryan, he's one of the owners. Seven nine
Speaker 1: six nine zero zero four to three. Any questions you have,
Speaker 1: maybe you're thinking of that reverse mortgage. You'll be honest
Speaker 1: with people if it's right for him too, right, I
Speaker 1: mean there's reverse mortgages can be the worst thing for
Speaker 1: some people. Yeah, I mean absolutely the worst thing. But
Speaker 1: other people, if they want to stay in that house,
Speaker 1: it might be the only option. Exactly six nine zero
Speaker 1: zero four to three. And of course, Frank Deran, the
Speaker 1: real estate man, I've said this one hundred times, Frank,
Speaker 1: you saved me so much money buying our house in
Speaker 1: frank Town. It's crazy. I had one lady call years
Speaker 1: ago arguing with how much you saved me. I'll never
Speaker 1: forget that. I was so mad at her. You saved
Speaker 1: me basically one hundred thousand bucks. He walked in with
Speaker 1: the negotiations. He said, Mark, what's the most maximum we
Speaker 1: can throw in this guy's face and the quickest we
Speaker 1: can close, and let's let's knock him over the head.
Speaker 1: And that's literally what you did. In fact, Ryan, it
Speaker 1: was so crazy he accepted it because I think Frank,
Speaker 1: he only gave him like twelve or twenty four hours.
Speaker 1: You gave him almost a tight timeframe.
Speaker 5: I remember that, a.
Speaker 1: Very tight time frame. And what happened a couple of
Speaker 1: days after that, he wanted out, after all the paperwork
Speaker 1: was signed. He had second thoughts, but Frank found out
Speaker 1: he had two mortgages. The one on this he hadn't
Speaker 1: lived there for almost a year and the mortgage was
Speaker 1: like eight hundred thousand or whatever it was. And then
Speaker 1: the guy had another mortgage in Georgia or Tennessee wherever
Speaker 1: he was. This guy's debt service was insane, so we
Speaker 1: knew he talked. But that's the value that Frank brings.
Speaker 1: And that's the reason Frank Duran, like it or not,
Speaker 1: sells more homes than the average realtor sells in a year.
Speaker 1: In one month, you literally sell more in a month
Speaker 1: than Joe Blow and almost all the other realtors selling
Speaker 1: a year. That's incredible.
Speaker 3: Well, thank god it didn't happen overnight. Mark, But I'll
Speaker 3: tell you remember when we were doing that Franktown deal. Yeah,
Speaker 3: some of our great conversation we'd have what member one
Speaker 3: two in the morning sometimes, oh my, we had a
Speaker 3: lot of fun.
Speaker 1: Though we got it done. If we did get it done,
Speaker 1: that guy was going crazy towards the end. He wanted
Speaker 1: out of that deal. Frank knows how to he knows
Speaker 1: how to negotiate. That's the best way to put it all, right, Listen,
Speaker 1: I promised David and jan I promise I'll come to
Speaker 1: you when we have guests in especially interesting stuff. I
Speaker 1: love talking money, honestly. People always need loans and people
Speaker 1: need to know where to go and how to do things,
Speaker 1: and that's one of the things this show does. But
Speaker 1: we're going to jump into a problem with a dentist
Speaker 1: and then a question on a mobile home edition right
Speaker 1: after this, go.
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Speaker 10: You don't pay a cent until you're content. Time for
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Speaker 10: Compass Insurance. Pay too much your coverage at dozens of
Speaker 10: insurance companies out now three three seven to seven to
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Speaker 10: choose Frank durand the real estate Man dot com to
Speaker 10: list your home with Remax Alliance three three nine two
Speaker 10: zero sixteen twenty two.
Speaker 1: Boy, if you could hear our conversations off air, a
Speaker 1: way you can. You can go to YouTube dot com
Speaker 1: type in Troubleshooter network. If I even told you what
Speaker 1: my idea was during the break, you would just scratch
Speaker 1: your head and go, no, we do not need to
Speaker 1: hear that, mark, We do not need to hear it.
Speaker 1: That's the most I'll say about it. You can go
Speaker 1: back and listen anytime on our YouTube channel. Now, David,
Speaker 1: what's going on with this mobile home edition? By the way,
Speaker 1: I do want to tell you about waterpros dot Net.
Speaker 1: Waterpros dot Net. The owner's Paul the Waterman. He came
Speaker 1: out to our house installed a water softener for half
Speaker 1: the price of the competition. It's got a better warranty
Speaker 1: than the competition, and we have been so happy with it.
Speaker 1: It's crazy. He can treat any water problem you have.
Speaker 1: He'll do a free water test. But my favorite part
Speaker 1: is their warranty, their service, and half the price of
Speaker 1: the other guys. Half the price go to waterpros dot Net. Now,
Speaker 1: what in the heck is going on with this mobile
Speaker 1: home edition? David?
Speaker 14: Okay, I got a.
Speaker 15: Question for you.
Speaker 19: So my son has a mobile home double wide up
Speaker 19: in Dylan, and so you want to put a sixteen
Speaker 19: by twenty four edition on.
Speaker 14: The mobile parts.
Speaker 9: Well, and then we went to the town of Dillon.
Speaker 19: They said, well you need plat lot plats and all
Speaker 19: the rest of that good stuff. And I'm just wondering
Speaker 19: any idea who's cut the overriding authority on that.
Speaker 1: I would think nobody. I would think if he's in
Speaker 1: a park and it is not his own property, I mean,
Speaker 1: none of it's going to matter. It's going to come
Speaker 1: down to the park more than anything. If he did
Speaker 1: own his own property, it's going to come down to
Speaker 1: the city. It's going to be whatever they allow, or
Speaker 1: the municipality or whatever it is the county. I mean
Speaker 1: the override. I mean, I don't even know what you
Speaker 1: mean by an override.
Speaker 15: I don't.
Speaker 1: I just don't see that happening.
Speaker 19: Well, they we went and you know, and put those
Speaker 19: put a bug in the city's ear and they said,
Speaker 19: well we need to you know, certified plans and all
Speaker 19: the rest.
Speaker 1: Well, yeah, you got to pull They're basically saying, you
Speaker 1: need to go through the permitting process. You've got to
Speaker 1: make sure you build it safe to where when the
Speaker 1: neighbors come over for a barbecue they don't end up dead.
Speaker 19: Okay, So that they are the overriding authority, then.
Speaker 1: Yeah, I mean that's it. Though they would come out,
Speaker 1: they would look at the plans. Typically how a building goes,
Speaker 1: Like if you're building an exterior building or an outbuilding
Speaker 1: on your property somewhere, you go to the city, you
Speaker 1: pull the permit, You give them the the you know,
Speaker 1: the the idea of what you're going to do, and
Speaker 1: then basically you go through the engineering. You got to
Speaker 1: go through the mechanical engineering if you're going to have HVAC,
Speaker 1: the electrical engineering. And then when these things are done,
Speaker 1: is they're going, they send an inspector out to sign
Speaker 1: off to make sure they're done right. If you're doing
Speaker 1: a foundation, the same thing. In fact, they'll even make
Speaker 1: sure the hole you doug was doug right and sign
Speaker 1: off on the whole. I mean, it's an entire thing
Speaker 1: you've got to go through. And the good news is,
Speaker 1: I know people don't like hearing this. It's his own
Speaker 1: well in this case it's not its own property, but
Speaker 1: if it was your own property. They really do do
Speaker 1: it for safety. I do agree. They go way overboard,
Speaker 1: there's no doubt, but they really do it for safety,
Speaker 1: so you know someone doesn't get hurt.
Speaker 15: Okay, that's that, Well, all right, we'll do it.
Speaker 1: You know what you could do, Yeah, you could do that.
Speaker 1: You know the other thing you could do. I don't
Speaker 1: know how this would work, but I wonder if you
Speaker 1: could buy one of those nice sheds and I mean
Speaker 1: it like tough shed. They build some stuff that's crazy.
Speaker 1: They almost look like tiny homes and then attach something
Speaker 1: like that. But that's just an idea. I don't know.
Speaker 1: I don't know the logistics of that. But that's something
Speaker 1: where you might not have to pull a permit. You
Speaker 1: can put it on a slab. I don't know what
Speaker 1: you're going to use it for. He's probably going to
Speaker 1: rent it out to people.
Speaker 7: I mean, I don't know.
Speaker 1: Hey, you guys, Ryan her Big. With American Liberty, you
Speaker 1: can't anything that's got a vin like a trailer. You're
Speaker 1: not going to do anything traditional on whatsoever. Right, We
Speaker 1: only lend on real property that's attached to a foundation.
Speaker 1: But there are loans called chattel loans that are specifically
Speaker 1: for mobile homes, and they probably suck in general right,
Speaker 1: high interest, the higher interest rate, a little platory, almost
Speaker 1: more down payment.
Speaker 5: I don't know enough about them to say they're predatory.
Speaker 20: We don't do them, but I had a couple of
Speaker 20: had somebody called me about a month ago and asked
Speaker 20: about it, and I gave them a couple of names
Speaker 20: that I found online.
Speaker 1: So long as if if they do like a barn, dominium.
Speaker 1: If it's literally livable and it's on a foundation, that
Speaker 1: would be more of a traditional mortgage, depending on the
Speaker 1: lender you found.
Speaker 5: Correct, So some might do it, some might not. Yeah, yeah, correct.
Speaker 20: If it has a lot and block on the legal
Speaker 20: description and it's real property, then we can typically lend on.
Speaker 1: So typically a modular home would be no problem long
Speaker 1: since on foundation.
Speaker 5: Yeah, manufactured modular yep.
Speaker 1: And then they're looking roughly the same interest rates, yes, exactly?
Speaker 1: All right, all right? Three oh three seven one three
Speaker 1: eight two five five? Hey, Jan, what's going on with
Speaker 1: this dentist?
Speaker 14: Uh?
Speaker 22: And Mark, I'm just boarded a plane, soovin so a
Speaker 22: little I'm not just in the background.
Speaker 14: Let me know what? What?
Speaker 9: What?
Speaker 14: What? Uh?
Speaker 4: What?
Speaker 15: Wait?
Speaker 1: I want to know what airline you're on? Okay, go ahead, Jan?
Speaker 7: What's up?
Speaker 14: So?
Speaker 22: My question is should I take my dentist a small
Speaker 22: plans court?
Speaker 1: What's it over.
Speaker 22: A crown that didn't come out?
Speaker 1: Well, it would cost it would cost you a fortune.
Speaker 22: Well, I asked them to refund the money to my
Speaker 22: medicare plans so I can get it redone because they
Speaker 22: only allowed one every five years.
Speaker 1: Well, you can ask them and you can ask them
Speaker 1: to play the digerido and do a tap dance for you.
Speaker 1: That's not going to matter if you ask them, But
Speaker 1: whether or not they're going to do anything, I mean,
Speaker 1: I don't mind assigning a deputy to it. But let's
Speaker 1: just talk really quick. Even small claims court, if you're
Speaker 1: suing a professional, even in small claims court, you have
Speaker 1: to have another professional or another dentist say what he
Speaker 1: did was grossly negligent. I mean, it's just like it's
Speaker 1: it's very expensive. In small claims court, it would make
Speaker 1: absolutely zero sense because you're never going to get an
Speaker 1: expert for less than seventy five hundred dollars, which is
Speaker 1: where it is now. If they had a clerical error,
Speaker 1: or you had a slip and fall in the building,
Speaker 1: or if the dentist stole your wallet with seventy five
Speaker 1: hundred in it, you could sue him for those reasons
Speaker 1: without having to go through getting an expert. You follow
Speaker 1: what I'm saying, So small claims might make sense to
Speaker 1: sue a dentist, but not if it's a problem with
Speaker 1: the work he did to your mouth.
Speaker 22: Yeah, it was the problem with the work he did,
Speaker 22: and they said, well, come on, back and we'll fix
Speaker 22: it him. I'm like going back to you. You know,
Speaker 22: you get one shot.
Speaker 1: How do you even know it's wrong? Do you we
Speaker 1: even know it's wrong?
Speaker 19: Jan?
Speaker 1: Out of curiosity, did you go to another dentist? I did,
Speaker 1: and the other dentist said, this guy really messed it up.
Speaker 22: Then it's messed up.
Speaker 1: No, but he didn't say did he say it was
Speaker 1: the other doctor's fault or the dentist's fault?
Speaker 22: Essentially?
Speaker 1: Yes, Well, okay, I know what that means. I'm looking
Speaker 1: at doctor. That means no, he didn't because people don't
Speaker 1: want to knock on the same people. I mean, I
Speaker 1: get it, So I mean, really, hold on, Jan, I
Speaker 1: got to take this break. You got another question, no problem,
Speaker 1: And if you want deputy doc, I'll sign him to
Speaker 1: the case. He can call over. He's got to get
Speaker 1: more information from you. Maybe I can have a conversation
Speaker 1: with the dentist. But that first call basically is going
Speaker 1: to have to be with you, or we've got to
Speaker 1: get a hippoform sign But you make the decision. And
Speaker 1: then we've got a problem with a rental car in
Speaker 1: Europe that can be a nightmare.
Speaker 10: Go with a sure thing best rufer Excel roofing dot com.
Speaker 10: You don't pay a cent until you're content. Time for
Speaker 10: an insurance check up free, no obligation comparison call Compass Insurance.
Speaker 10: Pay too much your coverage at dozens of insurance companies
Speaker 10: find out now three oh three seven to seven to
Speaker 10: one help. You'll think you're his only customer when you
Speaker 10: choose Frank Durand The real Estate Man dot com to
Speaker 10: list your home with Remax Alliance three oh three nine
Speaker 10: two zero sixteen twenty two.
Speaker 1: All right, folks, Trio three seven one three A two
Speaker 1: five five, don't forget YouTube dot com hit Troubleshooter Network.
Speaker 1: You can watch this show that way or of course,
Speaker 1: on the podcast. Over fifty thousand people a month listening
Speaker 1: to us on podcasts, So if you miss something in studio,
Speaker 1: once again, Frank Duran, the real Estate Man. If you
Speaker 1: want the best, I'm gonna give you the number out
Speaker 1: three oh three nine twenty sixteen twenty two. Ryan Herbig.
Speaker 1: Any questions you have on refinancing or a new purchase,
Speaker 1: you want one of the best lenders out there, in fact,
Speaker 1: arguably the best around. They have every product out there too.
Speaker 1: They do reverse mortgages, you can do a fifteen, a twenty,
Speaker 1: a thirty. In fact, a lot of these banks and
Speaker 1: loans you work with now you can pretty much set
Speaker 1: turns if you want, can't you. Yeah, if someone wants
Speaker 1: a thirteen year alone, you can do it.
Speaker 9: Yeah.
Speaker 5: You can amortize it over pretty much any period.
Speaker 1: Yeah, and you can crunch numbers directly. If someone called
Speaker 1: you up for a REFI like, typically how longs it
Speaker 1: take you ryan to figure out if they're going to
Speaker 1: qualify for how much? I mean the basic stuff.
Speaker 5: If it's a refire purchase, I mean typically within a day,
Speaker 5: within a day, they can figure out where they sometime sooner. Yeah, wow, Yeah,
Speaker 5: it doesn't take too much.
Speaker 1: You set a streamline is pretty much instant. Yeah.
Speaker 20: Streamlines are basically guaranteed unless there they've been laid on
Speaker 20: their mortgage payments. But if it's a if it's a
Speaker 20: traditional purchase or a full full doc refinance, typically within
Speaker 20: about twenty four hours.
Speaker 1: And I love what you were talking about with contractors
Speaker 1: or I want to say contractors, because we deal with
Speaker 1: a lot of contractors self employed, but self employed people
Speaker 1: that you know they don't want to pay the most
Speaker 1: taxes in the world. So you guys can go in
Speaker 1: and kind of look at it and make the decision
Speaker 1: based upon more of the bank account pository accounts than
Speaker 1: the taxes. Yes, I mean that's just the bottom line.
Speaker 9: Yep.
Speaker 1: So you can reach him. This is your you don't
Speaker 1: mind me giving your sellout?
Speaker 5: No, that's fine.
Speaker 1: Seven six five nine zero zero four to three seven
Speaker 1: one nine six five nine zero zero four to three.
Speaker 1: What's the average home sale right now, Frank?
Speaker 3: So here's the deal. The median price right now is
Speaker 3: five seventy eight.
Speaker 1: Wow, and uh, that's hard to believe.
Speaker 3: Oh yeah, it's but you know it went up a
Speaker 3: little bit because of the rate drop in October, and
Speaker 3: then it dropped a little bit in November.
Speaker 1: So that's that's still crazy. How about in Colorado spreads?
Speaker 3: I'm sorry five eighty five, Mark, I said wrong, five
Speaker 3: eighty five.
Speaker 1: Well you had to correct that.
Speaker 7: I heard correct.
Speaker 1: Frank wouldn't have been able to slept sleep tonight.
Speaker 3: If he didn't bother me all night, man. Frank, tell
Speaker 3: people what the media and me so in other words,
Speaker 3: that's you have so many above and so many below that.
Speaker 1: You throw out the three million, and you throw out
Speaker 1: to thirty thousand, yeah, more or less? Yeah, well, whatever
Speaker 1: it is, whatever the median is. Yeah, and then what
Speaker 1: would you say the average loan is ryan? Right now,
Speaker 1: what's the average new purchase loan? We know the average
Speaker 1: home in Denver's five whatever. What are they coming to
Speaker 1: the table with.
Speaker 5: I would say the average person has five to ten
Speaker 5: percent down?
Speaker 1: Okay, but what what does that leave the loan at?
Speaker 1: So around four to fifty five hundred.
Speaker 20: Yeah, four fifty to five hundred for a five eighty
Speaker 20: five house, actually five, you know, five twenty to five fifty.
Speaker 1: I honestly don't know how kids in Colorado do it,
Speaker 1: these twenty somethings, even if they saved up money. I mean,
Speaker 1: to come up with what's the average down? Now? Twenty percent?
Speaker 20: No, I mean you can do as little as I
Speaker 20: mean Chaffo allows for one thousand dollars down. I mean
Speaker 20: a non first time home.
Speaker 7: Loan arms chipping.
Speaker 1: Well, that's true, Yeah.
Speaker 5: We get that, Doc, Yeah, yeah, God is your minimum.
Speaker 1: Yeah that's still a ton of money. But you know what,
Speaker 1: but with don is six hundred thousand dollars home? Think
Speaker 1: about that. They got to come to the table with
Speaker 1: thirty But.
Speaker 3: Like Doc, said, we get a lot of these where
Speaker 3: the parents are actually helping their children to.
Speaker 1: Yeah, so they come up with it, and then on
Speaker 1: the landing side, that's no big deal. They just signed
Speaker 1: basically a gift letter.
Speaker 5: Correct, Yeah, absolutely loud.
Speaker 1: And then they can start building equity. And you know,
Speaker 1: it's really a good gift if you can afford to
Speaker 1: do it, there's no doubt. So Jan, I'm not sure
Speaker 1: where we left off with him, But Jan, you're not
Speaker 1: going to be suing that dentis in small claims court. Nancy,
Speaker 1: what's going on with you?
Speaker 14: Oh?
Speaker 23: Hi, Mark, I'm calling on behalf of my son. And
Speaker 23: he rented a car from six rent a car.
Speaker 1: I have never heard, Nancy, I have never heard anything
Speaker 1: good about that rental car company.
Speaker 23: I have never No, we look on the internet.
Speaker 21: We see that too.
Speaker 1: So what happened? What happened? And he said, you got
Speaker 1: it in Europe?
Speaker 23: Yes, he went. He picked up the car in Munich
Speaker 23: on September eighth this year and there was no real
Speaker 23: damage to the car at all when he rented it.
Speaker 23: He had he lifted a couple of scratches on the
Speaker 23: rental agreement and he took some pictures of any of
Speaker 23: those little scratches that were there when he rented the car.
Speaker 23: Then he returned it to the Stix rental in a
Speaker 23: Zurich airport on September twentieth, and then, let.
Speaker 1: Me guess, Hold on, I've got a crystal ball here.
Speaker 1: Over a month. Over a month goes by and you
Speaker 1: get a call saying there was damage to the car.
Speaker 15: Absolutely, this story.
Speaker 1: Is now with this company sixth rent a car. We
Speaker 1: have now had this probably five to six times in
Speaker 1: a very short amount of time. It's their moo, that's
Speaker 1: what they do. You return it and they say, they
Speaker 1: act like it's fine. You don't hear anything. Then all
Speaker 1: of a sudden they reach out, how did he pay
Speaker 1: for it?
Speaker 23: Exactly? Are he paid for it with his credit?
Speaker 1: Can you call the credit card company up?
Speaker 23: No, he didn't the first thing.
Speaker 1: How much are they trying to ding him for?
Speaker 23: Well, they claim that the extensive damage, of course, which
Speaker 23: wasn't there, and bills him for a three thousand dollars.
Speaker 1: On the credit card.
Speaker 23: I know they did not charge his credit Well how
Speaker 23: the hell did Oh?
Speaker 1: So he hasn't paid it?
Speaker 23: No, he hasn't.
Speaker 1: I wouldn't do a damn thing. I'd let him sue me.
Speaker 1: I wouldn't do a damn thing with them. Nothing. Don't
Speaker 1: do anything until they knock on his door and serve them.
Speaker 1: If they try to go after his credit, we'll go
Speaker 1: that route with them. But I'm telling you I wouldn't
Speaker 1: do anything.
Speaker 23: Okay, they have us, So he called them, of course,
Speaker 23: and they said, no, we're not dealing with you. We
Speaker 23: have sent this claim to River Key Collections.
Speaker 1: I tell Liberty to assue me, okay, Yeah, I wouldn't
Speaker 1: do anything. I'd make them bring me to court. Then
Speaker 1: when he gets to go in front of the judge,
Speaker 1: he can explain what happened and how there was no damage.
Speaker 1: He can explain to the judge what Lion Conniven little
Speaker 1: bastards they are. Because six rent a car. That's all
Speaker 1: they do, is this. I promise you, we have gotten
Speaker 1: this car, and it's always the same. I've never heard
Speaker 1: of a rental car company waiting one or two months
Speaker 1: to report the damage. It's ridiculous in my opinion. They're
Speaker 1: the worst piece of crap out there in the rental
Speaker 1: car business. Okay, And I'm sure.
Speaker 23: Now even though they say we're going to come after.
Speaker 1: You, I'm telling you I would. First of all, I
Speaker 1: wouldn't I tell your son, don't talk to him anymore.
Speaker 1: Have your son called me. I wouldn't talk to the
Speaker 1: collection company. I wouldn't talk to six. I wouldn't talk
Speaker 1: to any of these people. They need to find them,
Speaker 1: they need to file a lawsuit, they need to serve them,
Speaker 1: and they need to bring them in front of the
Speaker 1: judge so he can have his side of the story.
Speaker 1: Make them do all the work. Then you guys proved
Speaker 1: to the judge he did nothing. I would love to
Speaker 1: know how he goes too, because he's going to say,
Speaker 1: you're on her. Look when they notified me six weeks later,
Speaker 1: two months later, whatever it is, this is the most
Speaker 1: ridiculous thing ever.
Speaker 11: You're on her.
Speaker 1: When I returned it, it was fine. There was no
Speaker 1: more damage. The only damage on there is you can
Speaker 1: see in the pictures that I took were prior to
Speaker 1: me picking it up.
Speaker 23: Okay, so they can't garnish his wages, No, they.
Speaker 1: Got to get a judgment to do that. They can't
Speaker 1: do a damn thing until they get a judgment in
Speaker 1: front of a judge. And I wouldn't put it past them.
Speaker 1: If they call up and want to settle for five
Speaker 1: hundred bucks. I tell him to pound sand, don't pay
Speaker 1: him one nickel. Make them bring you to court. You
Speaker 1: get it very good, and I want you to be
Speaker 1: as aggressive with your son as I'm being with you
Speaker 1: when it comes to this. Don't let them settle for
Speaker 1: one hundred dollars because their next move is going to
Speaker 1: be to try to squeeze them for five hundred bucks.
Speaker 1: And he doesn't even owe that in my opinion, Yes.
Speaker 23: And they've already done that. They've already lowered the number
Speaker 23: two one thousand.
Speaker 1: Of course they have. Yeah, you let them sue them,
Speaker 1: you know what. It's a shakedown. These guys are like
Speaker 1: the mafia in my opinion, Nancy, if you want him
Speaker 1: to call me, you tell him to call me, and
Speaker 1: I'll be hard on him like I was on you,
Speaker 1: because I don't want you guys getting ripped off by
Speaker 1: these people. I can't stand six ran a car. It's
Speaker 1: a scam out there. In my opinion, it's one hundred
Speaker 1: percent a scam.
Speaker 10: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 10: dot com. You don't pay a cent until you're content.
Speaker 10: Time for an insurance check up. Free no obligation comparison
Speaker 10: call Compass Insurance paying too much your coverage at dozens
Speaker 10: of insurance companies find out Now three oh three seven
Speaker 10: to seven to one help. You'll think you're his only
Speaker 10: customer when you choose Frank durand the Realestateman dot com
Speaker 10: to list your home with Remax Alliance three oh three
Speaker 10: nine two zero sixteen twenty two