WEBVTT 1 00:00:00.320 --> 00:00:10.359 Yeah, ripped news, you don't have. 2 00:00:12.519 --> 00:00:16.039 Come run in just as fast as we can. Show 3 00:00:16.239 --> 00:00:18.359 Shooter's gonna help coming. 4 00:00:18.760 --> 00:00:25.000 Man Dix is the Troubleshooter Show. No Tom Martinez. Welcome 5 00:00:25.039 --> 00:00:27.079 my friends to the only. 6 00:00:26.839 --> 00:00:29.399 Show if it's kid. We're here to how problems, answer questions, 7 00:00:29.760 --> 00:00:33.320 take complaints. I'm glad you have joined us today. Any 8 00:00:33.399 --> 00:00:37.159 questions you have. We have recouped over three hundred million 9 00:00:37.280 --> 00:00:42.719 dollars in cash, merchandise exchanges refunds directly due to this show. 10 00:00:42.759 --> 00:00:45.079 So if you have any questions, we have a list 11 00:00:45.079 --> 00:00:47.399 of experts at referral lis dot com that can help 12 00:00:47.439 --> 00:00:50.079 you out in studio with me today. By the way, 13 00:00:50.960 --> 00:00:53.280 good friend of the show, good friend of Suzanna and 14 00:00:53.280 --> 00:00:56.479 I John Fuller, Attorney at law. And we also have 15 00:00:56.719 --> 00:01:02.560 Barry Miller Vestera Turnkey. We're gonna get into that. But 16 00:01:02.840 --> 00:01:06.079 the bottom line is, if you ever wanted to diversify 17 00:01:06.159 --> 00:01:10.280 into real estate and you really know little or maybe 18 00:01:10.319 --> 00:01:13.000 you know a lot, but you don't want to actually 19 00:01:13.079 --> 00:01:16.760 have to manage it, the returns that are possible with 20 00:01:16.840 --> 00:01:20.120 Barrier a pretty incredible and we'll talk about those throughout 21 00:01:20.159 --> 00:01:23.640 the day. Guys. Wow, I just got back from Washington, DC. 22 00:01:24.439 --> 00:01:27.439 It was so cold, John, I couldn't believe it. I 23 00:01:27.519 --> 00:01:31.280 know you traveled to Florida quite a bit. I looked 24 00:01:31.359 --> 00:01:37.000 up on the news and Tallahassee looked like Castle Rock. 25 00:01:37.799 --> 00:01:43.000 I couldn't believe it. Georgia, New Orleans, it looked like 26 00:01:43.120 --> 00:01:45.359 two or three inches of ice. 27 00:01:45.840 --> 00:01:47.040 Well that's the thing down there. 28 00:01:47.079 --> 00:01:49.319 Like I grew up in Georgia, and you know, we 29 00:01:49.359 --> 00:01:52.680 would get snow maybe once every I don't know, four 30 00:01:52.760 --> 00:01:55.319 or five years, grow it was was not it was 31 00:01:55.640 --> 00:01:57.760 And to even call it snow is kind of a 32 00:01:57.760 --> 00:02:00.719 little bit of a stretch because what it really was 33 00:02:00.719 --> 00:02:03.760 was like freezing rains. We'd get a coating of ice, 34 00:02:03.799 --> 00:02:08.120 and I mean and there was people literally ice skating. Absolutely. 35 00:02:08.159 --> 00:02:10.319 My hometown had two red lights and one of them blinks. 36 00:02:10.599 --> 00:02:14.000 They would shut the town down. The people would stock 37 00:02:14.120 --> 00:02:19.159 up on groceries, the schools would close, every building, business, everything, 38 00:02:19.280 --> 00:02:22.599 they would all close down because nobody was going out. 39 00:02:22.759 --> 00:02:24.520 And if you did, like we had a hill near 40 00:02:24.599 --> 00:02:26.879 my house, you'd slide right down and cars would just 41 00:02:27.000 --> 00:02:29.000 pile up at the bottom of this hill because they'd 42 00:02:29.000 --> 00:02:31.520 come over and lock the brakes up and all of 43 00:02:31.520 --> 00:02:33.680 them would slide all the way down and just crash 44 00:02:33.759 --> 00:02:35.199 into a big pile at the bottom. 45 00:02:35.280 --> 00:02:38.120 So they were talking to I think the mayor or someone, 46 00:02:38.240 --> 00:02:41.599 it was New Orleans, and they're like, we don't have snowplows, 47 00:02:41.840 --> 00:02:45.039 we don't have sand, we don't have salt. Yeah, we 48 00:02:45.120 --> 00:02:46.560 simply don't have these things. 49 00:02:46.639 --> 00:02:47.479 The same for Atlanta. 50 00:02:47.560 --> 00:02:50.120 They got four two snowplows in the whole state. 51 00:02:50.319 --> 00:02:53.080 You know, it's really amazing how that weather went and 52 00:02:53.159 --> 00:02:55.240 it stretched. I know when I left here it was 53 00:02:55.280 --> 00:02:58.520 like negative five or whatever, and then out where we 54 00:02:58.520 --> 00:03:00.599 were in DC. My god, here, that's what I forgot 55 00:03:00.639 --> 00:03:03.680 about DC and Florida and that neck of the woods. 56 00:03:03.800 --> 00:03:07.520 Even when it's like fifteen or twenty, that humidity is 57 00:03:07.840 --> 00:03:10.759 when they will wind glows. It is way colder than 58 00:03:10.960 --> 00:03:15.080 five below here. Easily, easily. I could see how people 59 00:03:15.159 --> 00:03:17.120 could die out there real quick. All right, three oh 60 00:03:17.120 --> 00:03:19.960 three seven, one, three eight, two five five. We're going 61 00:03:20.039 --> 00:03:23.199 to talk about anything that's on your mind today. I 62 00:03:23.360 --> 00:03:26.719 was listening to the economic summit there in Switzerland right before, 63 00:03:27.240 --> 00:03:30.000 and wow, do we've got a lot coming up? I 64 00:03:30.159 --> 00:03:32.240 never thought Don and Jim, I promise i'll get you 65 00:03:32.319 --> 00:03:34.840 in a minute. But you know, everybody that listens to 66 00:03:34.919 --> 00:03:38.000 the show knows where I stand. I love, I love 67 00:03:38.080 --> 00:03:40.479 what's going on. I think a lot of good things 68 00:03:40.479 --> 00:03:44.599 are going to happen. But after listening to that economic conference, 69 00:03:44.879 --> 00:03:47.680 and you know, over the weekend, you have guys like Diamond, 70 00:03:47.800 --> 00:03:51.120 Jamie Diamond. You've got the CEO of Bank of America 71 00:03:51.199 --> 00:03:54.199 that didn't seem to even like conservatives. Uh, you know 72 00:03:54.319 --> 00:03:56.800 a couple of years ago, you have got You've got 73 00:03:56.840 --> 00:04:00.280 all these people that are going to be bringing job 74 00:04:00.479 --> 00:04:03.039 to the country. The main thing Trump talked about today 75 00:04:03.120 --> 00:04:05.080 is here's what he said, John, If you didn't hear it, 76 00:04:05.120 --> 00:04:07.960 the bottom line I took from it economics. All we're 77 00:04:07.960 --> 00:04:11.879 talking about is if you build your product here, you're 78 00:04:11.919 --> 00:04:14.520 going to have a tax rate a fifteen percent or under. 79 00:04:14.840 --> 00:04:17.000 If you build it elsewhere, you're going to have a 80 00:04:17.079 --> 00:04:17.959 higher tax rate. 81 00:04:18.079 --> 00:04:20.000 I'm like a tax rate of fifteen percent. 82 00:04:20.160 --> 00:04:24.839 I think everybody would. Can you imagine that fifteen percent? Well, 83 00:04:25.000 --> 00:04:27.560 we'll see if that happens. Hey Don, what's going on 84 00:04:27.639 --> 00:04:27.879 with you? 85 00:04:28.040 --> 00:04:32.560 Man? Hello? 86 00:04:32.839 --> 00:04:33.879 Hey Don? How are you? 87 00:04:34.879 --> 00:04:36.399 I'm doing good? How are you doing, sir? 88 00:04:36.480 --> 00:04:37.959 I'm doing pretty good. What's going on? 89 00:04:39.319 --> 00:04:44.279 Okay? Last year sometime or another. I'm not even sure 90 00:04:44.519 --> 00:04:49.560 when I'm not even sure how we got connected. But 91 00:04:49.720 --> 00:04:53.399 this guy was going to put a roof on my 92 00:04:54.199 --> 00:04:56.279 rental property which is right behind my house. 93 00:04:56.319 --> 00:04:57.560 It's okay, about. 94 00:04:57.319 --> 00:05:01.160 Seven care feet, got it, And but he was working 95 00:05:01.199 --> 00:05:05.959 with that also, he being electrician as well, was going to. 96 00:05:06.199 --> 00:05:09.879 Well, you don't meet many people that are electricians and roofers, 97 00:05:09.920 --> 00:05:10.680 but keep going. 98 00:05:11.800 --> 00:05:16.240 Yeah, exactly. But anyway, he was going to upgrade, in 99 00:05:16.360 --> 00:05:20.040 the process, upgrade my panel back there, which was basically 100 00:05:20.240 --> 00:05:22.879 the switchbox was inside the house. Of course, it was 101 00:05:22.920 --> 00:05:24.160 built back in the fifties. 102 00:05:24.399 --> 00:05:26.319 Yeah, real old, Yeah, I get it. They were going 103 00:05:26.399 --> 00:05:29.079 to put a new panel in, right. 104 00:05:29.439 --> 00:05:32.639 And but we went through the roofing deal and my 105 00:05:32.759 --> 00:05:35.439 insurance company basically just was not going to pay for it. 106 00:05:36.279 --> 00:05:38.199 Well hold on when you say hold on, So he 107 00:05:38.279 --> 00:05:41.519 came out, inspected your roof, reach out to the insurance company, 108 00:05:41.720 --> 00:05:45.879 and they denied the claim several times. Okay, fine, so 109 00:05:45.920 --> 00:05:49.360 they denied the claim. Then what right, So nothing got done? 110 00:05:50.000 --> 00:05:52.199 Nothing got done and deal, but he says, well what 111 00:05:52.240 --> 00:05:55.000 about this panel and the set up a date with stuff 112 00:05:55.040 --> 00:05:56.319 like that, and I said, well, I have to get 113 00:05:56.319 --> 00:05:57.839 a hold of my tenant let him know, stuff like 114 00:05:57.879 --> 00:06:00.360 it was set up for January third, got it? Anyway, 115 00:06:00.439 --> 00:06:03.959 he come out, was doing the work and stuff like that. Well, 116 00:06:04.319 --> 00:06:06.399 in the process, I looked at everything. You have the 117 00:06:06.399 --> 00:06:09.040 panel up, and I'm going, man, that thing is really huge. 118 00:06:09.759 --> 00:06:11.680 And I do mean huge. I mean this. 119 00:06:11.839 --> 00:06:13.839 Well, what do you mean by huge? I'd like to know. 120 00:06:13.920 --> 00:06:16.360 I mean I've seen a million electric panels. What are 121 00:06:16.399 --> 00:06:17.120 you talking about? 122 00:06:18.480 --> 00:06:19.480 Well, let's put. 123 00:06:19.319 --> 00:06:21.480 It like the size of the door that covers your 124 00:06:21.759 --> 00:06:25.480 your glasses in your kitchen, like like the like the cabinet. 125 00:06:26.319 --> 00:06:28.639 No bigger than that then like a door. 126 00:06:30.360 --> 00:06:34.800 Well, it's I could probably put twenty circuit breakers in there. 127 00:06:34.839 --> 00:06:37.759 How big is this that? Yeah, that's that's somewhat normal. Okay, 128 00:06:37.800 --> 00:06:39.959 So it's a panel, but go ahead, And why do 129 00:06:40.040 --> 00:06:41.959 you care if it was that big? I don't get it. 130 00:06:42.800 --> 00:06:45.560 Well, I don't really most parts stuff like that. It 131 00:06:46.240 --> 00:06:50.240 is there, stuff like that. Yeah, it's just it seems exorbitant. 132 00:06:50.319 --> 00:06:51.439 Okay, So what endway? 133 00:06:51.800 --> 00:06:55.920 Uh, because the household has four circuit breakers, period, it's 134 00:06:55.920 --> 00:06:59.079 only got four rooms, and they had to put a 135 00:06:59.120 --> 00:07:02.279 search protector. Okay, So got that, and then he said, well, 136 00:07:02.399 --> 00:07:04.519 soon as the inspection that's done their thing. They weren't 137 00:07:04.560 --> 00:07:07.000 come out and change out the four circuit breakers and 138 00:07:07.079 --> 00:07:10.680 put in better ones that you know, don't kick out 139 00:07:10.759 --> 00:07:12.360 stuff like that. Okay, I understand. 140 00:07:12.399 --> 00:07:14.439 So wait a second, Wait, wait, I got a couple 141 00:07:14.480 --> 00:07:16.800 of real basic questions here, don that you got to 142 00:07:16.839 --> 00:07:18.959 help me with. Did he pull a permit for this 143 00:07:19.120 --> 00:07:23.040 work to begin with? No, So he didn't pull a permit. 144 00:07:23.199 --> 00:07:25.759 He comes in, he puts the panel in, he swaps 145 00:07:25.759 --> 00:07:28.680 the panel over or and he had to have give 146 00:07:28.759 --> 00:07:31.399 you new breakers at that point because it's a new panel. 147 00:07:31.720 --> 00:07:35.199 So when those were in, they were the wrong size breakers, 148 00:07:35.240 --> 00:07:36.319 so they kept breaking. 149 00:07:37.800 --> 00:07:41.480 Well, he said that that could possibly happen because this 150 00:07:41.680 --> 00:07:43.680 is what they require by code. But he said he 151 00:07:43.800 --> 00:07:46.279 come out afterwards and changing And I said. 152 00:07:46.120 --> 00:07:49.600 Okay, well he didn't pull a permit? Why did But he. 153 00:07:49.680 --> 00:07:52.240 Did not pull a permit? I defended out yesterday? 154 00:07:52.399 --> 00:07:55.759 Okay, so where where does it stand? Where did it 155 00:07:55.839 --> 00:07:59.879 stand right after that? So after he repaired it, meaning 156 00:08:00.040 --> 00:08:02.839 he put in the wrong breaker, it sounds like where 157 00:08:02.839 --> 00:08:03.639 are we at. 158 00:08:04.920 --> 00:08:08.120 Right now? Everything still as a total stand steal stuff 159 00:08:08.160 --> 00:08:11.360 like that. He was supposed to notify XL to hook 160 00:08:11.439 --> 00:08:13.639 up that panel and he didn't. 161 00:08:13.680 --> 00:08:15.199 How much have you paid him? 162 00:08:15.759 --> 00:08:17.000 I haven't paid him a dime. 163 00:08:17.120 --> 00:08:19.160 Well, then you're so far ahead here. I mean you 164 00:08:19.240 --> 00:08:21.160 got to call him electrician to have him come out 165 00:08:21.160 --> 00:08:21.720 and finish it. 166 00:08:22.959 --> 00:08:30.920 Well, yes, but he wants eighty nine thousand and ninety 167 00:08:30.920 --> 00:08:34.120 five dollars stuff like that. Don wait a second, over 168 00:08:34.279 --> 00:08:36.840 almost ten grand this panel? 169 00:08:37.200 --> 00:08:40.159 Okay, wait, don first of all to install a panel. Listen, 170 00:08:40.240 --> 00:08:42.480 it's not cheap. I don't care. These days, he could 171 00:08:42.519 --> 00:08:44.919 easily be ten grand to swap out a panel. I 172 00:08:44.960 --> 00:08:47.840 know it sounds absurd, trust me, I get it, but 173 00:08:47.919 --> 00:08:50.840 I'm telling you that can possibly be there. But if 174 00:08:50.879 --> 00:08:53.639 he didn't pull the permit, and if it's not working 175 00:08:54.159 --> 00:08:56.480 and it doesn't have the proper breakers in it. 176 00:08:57.000 --> 00:09:00.360 What it is working? It's hooked up working. 177 00:09:00.679 --> 00:09:03.360 Well, I thought you said Excel had to come out. 178 00:09:04.279 --> 00:09:05.600 They're supposed to for. 179 00:09:05.720 --> 00:09:07.679 What what do they have to come out for. 180 00:09:08.639 --> 00:09:12.720 To hook up the lines off the line and install 181 00:09:12.799 --> 00:09:13.120 the meter? 182 00:09:14.200 --> 00:09:17.480 Okay? Hold on, don so when you say don please 183 00:09:17.720 --> 00:09:20.919 please come here, when you say it is working now, 184 00:09:21.279 --> 00:09:24.519 but yet Excel hasn't hooked up to the meter nor 185 00:09:24.600 --> 00:09:27.600 the panel. What do you mean it's working? How is 186 00:09:27.639 --> 00:09:28.159 it working. 187 00:09:28.480 --> 00:09:34.840 He did not contact them, and he is opposed to 188 00:09:34.879 --> 00:09:39.600 contact them, and he didn't. He hooked it up himself. 189 00:09:40.240 --> 00:09:43.519 Okay, so he hooked it up, and I get what 190 00:09:43.559 --> 00:09:44.120 you're saying. 191 00:09:44.159 --> 00:09:46.600 So Excel's got to come out and put a meter in, yeah, 192 00:09:46.960 --> 00:09:50.200 to individually monitor that separate unit. 193 00:09:50.320 --> 00:09:52.960 Yeah, or you're saying, or it's possibly it's feeding off 194 00:09:52.960 --> 00:09:55.759 the guy's old meter. Is it feeding off your old meter? 195 00:09:55.960 --> 00:09:58.440 Is there an extension cord running across your yard to 196 00:09:58.519 --> 00:09:59.240 your neighbors? 197 00:10:00.080 --> 00:10:00.679 No? 198 00:10:00.080 --> 00:10:02.879 No, hold on, don let me put you on hold. 199 00:10:02.919 --> 00:10:07.080 I want to get uh what electricians, Suzanne? Should we grab? 200 00:10:07.159 --> 00:10:11.080 Let's grab how about George fix it? He is an electrician. 201 00:10:11.120 --> 00:10:14.159 If we can get George, i'd be awesome. Or if 202 00:10:14.240 --> 00:10:18.000 George plumbline or fix it, But try George first, because 203 00:10:18.000 --> 00:10:20.720 it's George. Three oh three seven one three A two 204 00:10:20.759 --> 00:10:23.440 five five. Don's got a or I'm sorry, Jim's got 205 00:10:23.440 --> 00:10:25.919 a froug call. I'm gonna I'm gonna pin down an 206 00:10:25.919 --> 00:10:29.279 electrician after this break and see how that generally works 207 00:10:29.320 --> 00:10:32.159 with Excel. But I'm pretty sure Excel or whoever the 208 00:10:32.240 --> 00:10:35.480 electric company is or the utility does have to come 209 00:10:35.480 --> 00:10:37.679 out and least sign off on it. I'm not sure 210 00:10:37.720 --> 00:10:39.799 if they have to do the actual hookup, but I 211 00:10:39.879 --> 00:10:43.000 want to find out. But John, if this guy hasn't 212 00:10:43.039 --> 00:10:46.200 paid a dime, he's the one ahead right now. I mean, 213 00:10:46.399 --> 00:10:48.559 that's what I want you to think of, don, I mean, 214 00:10:48.600 --> 00:10:51.080 why do you care at this point? But hold on? 215 00:10:51.240 --> 00:10:59.919 Yeah, go with a sure thing Denver's Best Rufer Excel Rufe. 216 00:11:00.799 --> 00:11:02.799 You don't pay a cent until you're content. 217 00:11:06.200 --> 00:11:09.360 Time for an insurance check up free no obligation comparison 218 00:11:09.519 --> 00:11:13.080 call Compass Insurance paying too much your coverage at dozens 219 00:11:13.080 --> 00:11:15.799 of insurance companies find out now three oh three, seven 220 00:11:15.799 --> 00:11:16.399 to seven to one. 221 00:11:16.519 --> 00:11:16.759 Help. 222 00:11:16.919 --> 00:11:19.559 You'll think you're his only customer when you choose Frank 223 00:11:19.639 --> 00:11:22.080 durand the real estate Man dot com to list your 224 00:11:22.120 --> 00:11:25.279 home with Remax Alliance three oh three nine two zero 225 00:11:25.360 --> 00:11:33.600 sixteen twenty two. 226 00:11:31.840 --> 00:11:34.600 All right, three oh three seven one three eight two 227 00:11:34.799 --> 00:11:38.440 five five uh three oh three Martinos. Suzann's working on 228 00:11:38.519 --> 00:11:41.240 get one of our electricians on referral lists dot com. 229 00:11:41.240 --> 00:11:43.720 But don I really do want to know something out 230 00:11:43.840 --> 00:11:47.240 So where it stands now, you haven't paid this guy anything. 231 00:11:47.559 --> 00:11:50.559 Everything's hooked up. The only thing that hasn't been done. 232 00:11:50.840 --> 00:11:53.399 Is the inspector is not signed off because a permit 233 00:11:53.519 --> 00:11:56.639 was never pulled and excel has never come out as well? 234 00:11:56.720 --> 00:11:57.480 Is that correct? 235 00:11:58.440 --> 00:12:02.559 That's correct? But I also have other information. He told 236 00:12:02.639 --> 00:12:04.960 me what would I pay for the job? I told 237 00:12:05.039 --> 00:12:08.559 him I wouldn't pay much more over forty five to 238 00:12:08.559 --> 00:12:09.440 five thousand dollars. 239 00:12:09.480 --> 00:12:10.039 Now, why is it? 240 00:12:10.159 --> 00:12:12.679 I've never heard of someone having work done? Did you 241 00:12:12.720 --> 00:12:15.960 guys not discuss the price when you started? Did you 242 00:12:16.159 --> 00:12:19.720 just both of you just assume you're going to have 243 00:12:19.799 --> 00:12:22.120 the exact same number in your head when it was done. 244 00:12:22.200 --> 00:12:23.120 We'll just work it out. 245 00:12:23.960 --> 00:12:24.759 That's about what? 246 00:12:26.159 --> 00:12:28.919 Well, how the hell's that happened? No offense, don But 247 00:12:28.960 --> 00:12:30.840 I have never heard of that in my life. It's 248 00:12:30.919 --> 00:12:32.879 like if I showed up at John's house to buy 249 00:12:32.919 --> 00:12:35.360 his car and I think I'm going to pay five 250 00:12:35.440 --> 00:12:38.000 hundred for it, and he thinks I'm going to pay 251 00:12:38.519 --> 00:12:41.320 ten thousand for it. I mean, I don't even get it, 252 00:12:41.559 --> 00:12:42.480 take it around the blouse. 253 00:12:42.679 --> 00:12:45.600 I realized that, and that's what got me on this 254 00:12:45.679 --> 00:12:47.759 thing and stuff like that when he presented the bills. 255 00:12:47.799 --> 00:12:49.399 But you haven't paid him a damn dime. 256 00:12:49.519 --> 00:12:50.879 So, but would you paid. 257 00:12:50.720 --> 00:12:54.279 Him a dime. I went out and got two other estimates, yeah, 258 00:12:54.480 --> 00:12:58.080 from local electricians and everything. Both of them come back 259 00:12:58.080 --> 00:13:01.519 at fifty five hundred dollars for the same job. I 260 00:13:01.600 --> 00:13:05.000 had a son that has almost a tentical panel on 261 00:13:05.120 --> 00:13:08.039 his house and he will be paid four grand. 262 00:13:08.240 --> 00:13:11.960 Well, okay, listen, man, pricing is pricing. Wants there listen 263 00:13:12.200 --> 00:13:13.200 listen though, man. 264 00:13:13.159 --> 00:13:13.799 Price like that? 265 00:13:14.080 --> 00:13:17.919 Pricing. Pricing is pricing the main problem we have here. 266 00:13:18.080 --> 00:13:22.240 There was no negotiations beforehand. Where does it stand right now? 267 00:13:22.320 --> 00:13:24.519 Is he threatening to lean you? What is he doing? 268 00:13:25.000 --> 00:13:28.480 He isn't. Well, he is saying it presented me a 269 00:13:29.320 --> 00:13:35.120 uh E signed deal to Synchrony think because that's where 270 00:13:35.240 --> 00:13:38.240 the number come in. Is that I so much that 271 00:13:38.440 --> 00:13:41.960 I signed up to do financing on it and everything 272 00:13:42.080 --> 00:13:44.080 and got something from them and stuff like that. 273 00:13:44.559 --> 00:13:48.600 Second wait a second, wait wait wait none, And this 274 00:13:48.799 --> 00:13:52.240 is so important. Who do you owe the money to 275 00:13:52.840 --> 00:13:54.360 the bank or this guy? 276 00:13:55.639 --> 00:13:56.120 This guy? 277 00:13:56.879 --> 00:13:59.399 So the bank has not put a loan in your name. 278 00:14:00.639 --> 00:14:03.519 Well, I guess they have, but there's nothing on it. 279 00:14:04.000 --> 00:14:07.799 Okay, they have not pulled the funds yet. No, Okay, 280 00:14:07.919 --> 00:14:10.200 you got to tell the bank you don't sign that 281 00:14:10.799 --> 00:14:12.879 you got to tell the bank. Look, here's what I 282 00:14:12.960 --> 00:14:15.720 tell the bank, Synchrony, because they might pay him if 283 00:14:16.720 --> 00:14:18.879 you sign that, they're going to turn the funds over 284 00:14:18.919 --> 00:14:21.000 to him, and then you're going to owe the bank 285 00:14:21.120 --> 00:14:24.000 and you're gonna have no recourse basically against this guy. 286 00:14:24.240 --> 00:14:26.799 So what you need to do right now? I am 287 00:14:26.840 --> 00:14:29.279 not kidding man. You need to call the bank up 288 00:14:29.320 --> 00:14:31.840 and say, look, this guy did electrical work. He was 289 00:14:31.879 --> 00:14:34.480 supposed to pull a permit, he didn't. He was supposed 290 00:14:34.480 --> 00:14:37.200 to call Excel, he didn't. He needs to finish the 291 00:14:37.320 --> 00:14:40.159 job before I do anything. That's what you got to do. 292 00:14:41.120 --> 00:14:42.559 Okay, I can do that. 293 00:14:42.679 --> 00:14:44.399 Yeah, you need to do that. You know what I'd 294 00:14:44.480 --> 00:14:48.279 like to do? Where I really want you to think hard? 295 00:14:48.600 --> 00:14:51.080 Where did you come up with that ten thousand dollars 296 00:14:51.120 --> 00:14:54.919 number in him? I still find it almost impossible. You 297 00:14:55.039 --> 00:14:58.279 agreed to have him do something with neither of you 298 00:14:59.080 --> 00:15:01.799 getting to a price. So there must have been something 299 00:15:01.879 --> 00:15:03.759 brought up at some point. 300 00:15:04.240 --> 00:15:06.080 Well, what it was hoping that was brought up at 301 00:15:06.080 --> 00:15:08.840 one point was the electrical job and the. 302 00:15:08.879 --> 00:15:10.879 Roof and how much was that going to be? 303 00:15:11.039 --> 00:15:13.519 The roof is not but he did I. 304 00:15:13.480 --> 00:15:15.720 Understand he didn't do the roof, But how much were 305 00:15:15.759 --> 00:15:17.519 both of them going to be At the time. 306 00:15:18.440 --> 00:15:19.440 He's saying ten grand? 307 00:15:20.440 --> 00:15:21.600 Wait a minute, come on, man. 308 00:15:21.720 --> 00:15:24.080 So he was then, and then he come back and 309 00:15:24.240 --> 00:15:26.799 tried to say, oh, well, no, I think we're That 310 00:15:26.799 --> 00:15:28.200 would have been about fifteen grand. 311 00:15:28.240 --> 00:15:31.960 Here's what we're doing, Hey, Suzanne, get the guy's number. 312 00:15:32.360 --> 00:15:34.679 I want to get the guy on, simple as that. 313 00:15:34.759 --> 00:15:36.919 So get the guy's name and phone number from Don. 314 00:15:37.240 --> 00:15:39.799 I want to talk to him and let's try to 315 00:15:39.799 --> 00:15:41.759 work this out three oh three seven, one three eight 316 00:15:41.799 --> 00:15:44.840 two five five. Because now what he's saying is and Don, 317 00:15:44.879 --> 00:15:46.840 we're going to help you out regardless. But now you're 318 00:15:46.879 --> 00:15:49.840 saying and once again it could be true. This guy, 319 00:15:49.960 --> 00:15:53.720 this contractor could be just a total ripoff. But if 320 00:15:53.720 --> 00:15:55.320 he's telling you, I'm going to knock you out and 321 00:15:55.360 --> 00:15:57.480 put a new roof on and I'm going to do 322 00:15:57.519 --> 00:16:02.039 the electrical panel for ten grand, and then all you 323 00:16:02.120 --> 00:16:05.399 get done is the electrical panel and he still wants 324 00:16:05.399 --> 00:16:08.879 ten grand, I just find that crazy. I find it 325 00:16:08.919 --> 00:16:10.120 absolutely crazy to me. 326 00:16:10.279 --> 00:16:12.519 Mark, there's a lot more we're not hearing here about 327 00:16:12.519 --> 00:16:17.200 Synchrony Bank. They're a credit card issuer. Did Synchrony Bank 328 00:16:17.240 --> 00:16:18.480 get involved in this deal. 329 00:16:18.759 --> 00:16:22.480 I know that because Synchrony Bank does private label, so 330 00:16:22.879 --> 00:16:26.120 Wells Fargo does the same thing. So when I sell 331 00:16:26.159 --> 00:16:29.600 computers or tires or anything, I had about four different banks. 332 00:16:29.639 --> 00:16:32.679 I would shop like that and I could basically get 333 00:16:32.720 --> 00:16:35.000 paid as soon as I was done, and then they 334 00:16:35.000 --> 00:16:37.000 would make payments. It didn't matter if it was an 335 00:16:37.039 --> 00:16:39.120 auto repair. It's for anything. 336 00:16:39.399 --> 00:16:42.720 So so did Doc Coler done already sign anything with 337 00:16:42.759 --> 00:16:43.519 Synchrony Bank? 338 00:16:43.600 --> 00:16:46.759 No sign, No, he said. The guy wants him to 339 00:16:46.799 --> 00:16:49.200 sign it now. And what he's signing is, so if 340 00:16:49.240 --> 00:16:51.840 you bought let's say you bought a twenty thousand dollars 341 00:16:51.879 --> 00:16:54.720 server from me back in the day, I would when 342 00:16:54.759 --> 00:16:56.840 I was done and you picked it up and you 343 00:16:56.879 --> 00:16:59.799 were happy, you would sign my receipt. I use Wells 344 00:16:59.840 --> 00:17:02.360 far Going third party financi and then I go get 345 00:17:02.360 --> 00:17:05.200 paid and then he would pay. And a lot of 346 00:17:05.240 --> 00:17:07.880 times back then it was like, you know, one year, 347 00:17:07.960 --> 00:17:11.279 no interest, no payments. A lot of that has changed now. 348 00:17:11.319 --> 00:17:13.440 While we're trying to get that guy on, Hey Jim, 349 00:17:13.480 --> 00:17:19.680 what's going on with you? Hey Jim, you're up? 350 00:17:20.799 --> 00:17:21.119 Yeah? 351 00:17:21.200 --> 00:17:21.559 Okay? 352 00:17:21.599 --> 00:17:25.240 Hi Tom, Hey, I got a phone call this morning 353 00:17:25.359 --> 00:17:28.799 gone obviously a phone call, and I just want to 354 00:17:28.799 --> 00:17:30.599 have people warned about these guys. 355 00:17:30.720 --> 00:17:31.359 What happened. 356 00:17:31.599 --> 00:17:35.400 They're calling and claiming that I want to contest two 357 00:17:35.480 --> 00:17:38.640 years ago for I'm second prize seven hundred and fifty 358 00:17:38.640 --> 00:17:41.599 thousand dollars. They want to send me as the old 359 00:17:41.720 --> 00:17:45.440 you know. But I got three different people's names and 360 00:17:45.480 --> 00:17:47.640 phone numbers. The first guy claimed to be from the 361 00:17:47.680 --> 00:17:52.519 Consumer Protection Agency in Virginia, and I got his phone 362 00:17:52.599 --> 00:17:55.640 number and information, and then he sent me over to 363 00:17:55.720 --> 00:18:00.640 the insurance company that had insured this thing, and uh 364 00:18:01.680 --> 00:18:03.920 got that guy's name and phone number from the first 365 00:18:03.960 --> 00:18:05.359 state insurance and trust. 366 00:18:06.559 --> 00:18:09.559 You must have been, Jim. You must have been bored 367 00:18:09.559 --> 00:18:10.160 this morning. 368 00:18:12.039 --> 00:18:12.559 I was. 369 00:18:12.640 --> 00:18:16.839 But I played them along. They were extremely good, and 370 00:18:16.920 --> 00:18:18.799 I just I played them along. 371 00:18:18.559 --> 00:18:20.000 In an English accents. 372 00:18:20.319 --> 00:18:22.039 How did they sound you warned about it? 373 00:18:22.200 --> 00:18:24.440 Did they sound like they're from these parts or did 374 00:18:24.440 --> 00:18:25.799 they sound like they're from No? 375 00:18:25.839 --> 00:18:29.319 They were, They were, yeah, they have no accents. Real good, 376 00:18:29.640 --> 00:18:33.799 you know, real good salesman, super salesman. And they said 377 00:18:33.799 --> 00:18:36.319 that if I told them that I know a consumer 378 00:18:36.440 --> 00:18:38.240 person in Denver, and they said, oh, you can have 379 00:18:38.400 --> 00:18:40.400 him call us and we can explain it to him. 380 00:18:40.400 --> 00:18:43.319 Oh, perfect, what am I doing that at all? Do 381 00:18:43.359 --> 00:18:44.319 you have the phone number? 382 00:18:45.720 --> 00:18:47.480 I got a phone number for all three of them? 383 00:18:47.559 --> 00:18:50.599 Yeah, but which one? Which one said agreed to? 384 00:18:50.799 --> 00:18:51.000 You know? 385 00:18:51.160 --> 00:18:51.680 Talk to us? 386 00:18:53.079 --> 00:18:56.559 Uh, that's a James Miller out of New York. I 387 00:18:56.559 --> 00:18:58.359 guess he's with the Awards Department. 388 00:18:58.599 --> 00:19:01.160 James, Okay, I know him. 389 00:19:01.319 --> 00:19:05.039 No, No, here's what I want. So let me put 390 00:19:05.079 --> 00:19:07.519 you on hold, Susanna. When you call up there, I 391 00:19:07.519 --> 00:19:09.440 know you're still trying to get an electrician. But when 392 00:19:09.440 --> 00:19:12.440 you call up this scammer, this number we're going to 393 00:19:12.480 --> 00:19:16.359 get from Jim, tell them, you know, he's got to 394 00:19:16.400 --> 00:19:19.519 know he's on the air, and we just want to 395 00:19:19.640 --> 00:19:24.039 understand how some of our listeners can get some of 396 00:19:24.079 --> 00:19:28.960 this money as well. Excited, we're now dragon, I've got 397 00:19:29.000 --> 00:19:32.000 to ask something. Get on air real quick. What I 398 00:19:32.119 --> 00:19:37.880 used to do years ago. I would say, they want 399 00:19:37.920 --> 00:19:42.319 a prize. You're on the air, you want a prize. 400 00:19:42.359 --> 00:19:44.480 We want to talk to you, and they would come 401 00:19:44.519 --> 00:19:47.640 on thinking they want a prize. Then I'd knock him 402 00:19:47.640 --> 00:19:50.599 in the head with what we're really talking about. I 403 00:19:50.759 --> 00:19:54.400 had someone I'm going back. I'm going back pre COVID 404 00:19:55.480 --> 00:19:59.039 I had a certain program director I'm not going to 405 00:19:59.119 --> 00:20:03.960 say his name that did not like that tactic. But 406 00:20:04.160 --> 00:20:05.960 I never saw a problem with it. I guess all. 407 00:20:06.000 --> 00:20:08.519 I'm asking you, as long as they know they're on 408 00:20:08.559 --> 00:20:09.119 the air. 409 00:20:08.960 --> 00:20:11.559 I'm pretty sure as long as they know they're going 410 00:20:11.599 --> 00:20:12.160 on the air. 411 00:20:12.279 --> 00:20:14.119 Yeah, why do I have to tell the truth. There 412 00:20:14.119 --> 00:20:16.720 are a bunch of scums, so let's see if we 413 00:20:16.759 --> 00:20:17.799 can get them on Hold. 414 00:20:17.559 --> 00:20:26.240 On go with a sure thing Denver's Best roofer Excel 415 00:20:26.359 --> 00:20:29.440 Roofing dot com. You don't pay a cent until you're content. 416 00:20:32.799 --> 00:20:36.000 Time for an insurance check up free, no obligation. In comparison, 417 00:20:36.119 --> 00:20:39.680 call Compass Insurance paying too much your coverage at dozens 418 00:20:39.720 --> 00:20:42.440 of insurance companies find out now three O three seven 419 00:20:42.480 --> 00:20:44.799 to seven to one help. You'll think you're his only 420 00:20:44.880 --> 00:20:47.359 customer when you choose Frank durand the real estate Man 421 00:20:47.400 --> 00:20:50.799 dot com to list your home with Remax Alliance three 422 00:20:51.039 --> 00:21:05.759 three nine two zero sixteen twenty two. 423 00:21:00.079 --> 00:21:04.200 Three oh three seven one three eight two five five. Susanne, 424 00:21:04.920 --> 00:21:08.119 my lovely wife, did you reach out to that scammer? 425 00:21:08.640 --> 00:21:11.680 I did, and he actually had a legit voicemail. I 426 00:21:11.759 --> 00:21:14.039 left a voicemail saying who I was and we wanted 427 00:21:14.079 --> 00:21:15.599 to talk to him and what we wanted to talk 428 00:21:15.640 --> 00:21:17.680 to him about. And then I also let in the 429 00:21:17.720 --> 00:21:19.680 voicemail said I'd be calling him back again in a 430 00:21:19.680 --> 00:21:20.240 few minutes. 431 00:21:20.359 --> 00:21:22.559 I absolutely love it. And we're still trying to get 432 00:21:22.559 --> 00:21:25.000 an electrician. I assume we might end up. 433 00:21:25.559 --> 00:21:29.839 You wanted me to call the electrician in question. Don 434 00:21:29.880 --> 00:21:32.359 gave me the wrong phone number, and I literally just 435 00:21:32.400 --> 00:21:33.960 got the right phone number. So if you give me 436 00:21:34.000 --> 00:21:35.079 a minute, I'll give the guy a try. 437 00:21:35.279 --> 00:21:37.799 How I'm not even gonna ask. I'm gonna end up 438 00:21:38.039 --> 00:21:40.880 pulling my hair out. I wonder how he gives the 439 00:21:40.880 --> 00:21:46.400 wrong phone number at a curiosity, Suzanne, was the wrong 440 00:21:46.480 --> 00:21:49.000 phone number to a different electrician. No, it was just 441 00:21:49.039 --> 00:21:50.559 too It just totally wrong. 442 00:21:51.160 --> 00:21:52.799 He just accidentally gave me the wrong number. 443 00:21:52.799 --> 00:21:55.319 I got youa hey, Jim, we left a message with 444 00:21:55.480 --> 00:21:59.119 the people that tried to scam you. Hopefully they call back. Honestly, 445 00:21:59.119 --> 00:22:01.119 I don't know if they will or not. We talked 446 00:22:01.119 --> 00:22:04.279 to one one time. It was so great. I mean, 447 00:22:04.519 --> 00:22:07.240 the best one ever. And I'm sorry I got to 448 00:22:07.240 --> 00:22:11.000 put that one on hold. Go here, the best one ever, Jim. 449 00:22:11.440 --> 00:22:14.279 We got a hold of some guy, and I believe 450 00:22:14.319 --> 00:22:17.640 every word he said. He was in Jamaica in like 451 00:22:17.720 --> 00:22:21.480 an office building with you know, on a floor with 452 00:22:21.599 --> 00:22:25.839 like twenty people, and these twenty people would get fifty 453 00:22:25.920 --> 00:22:29.559 percent of whatever they got, and he explained to us 454 00:22:29.599 --> 00:22:32.640 how it worked. First of all, it was almost it 455 00:22:32.759 --> 00:22:36.240 wasn't until the money was done, meaning if it was 456 00:22:36.359 --> 00:22:39.160 just on a credit card, they wouldn't get their cut 457 00:22:39.240 --> 00:22:42.680 for like half a year, because you can go contest 458 00:22:42.720 --> 00:22:46.880 a pure fraud up to whatever amount of time. But 459 00:22:47.240 --> 00:22:49.880 if it was like an Amazon gift card or a 460 00:22:49.920 --> 00:22:52.799 gift card, because that's what they'd always focus on, they 461 00:22:52.839 --> 00:22:56.440 wouldn't get the full fifty percent, but they'd get paid quick. 462 00:22:56.720 --> 00:23:00.440 But they'd get like forty percent and split. Say what 463 00:23:00.519 --> 00:23:03.599 the house? So he went on and he did. We said, well, 464 00:23:03.599 --> 00:23:06.279 why do you guys target people? Don't you feel bad 465 00:23:06.319 --> 00:23:08.240 when you go home? And he's like, no, it's a job. 466 00:23:08.480 --> 00:23:10.680 It really is. I got to feed my family just 467 00:23:10.759 --> 00:23:13.559 like you do what you do. And I believe every 468 00:23:13.599 --> 00:23:15.640 word he said was true all the way down to it. 469 00:23:16.440 --> 00:23:20.119 I truly do, absolutely positively. All right, three oh three 470 00:23:20.319 --> 00:23:23.839 seven ones. I remember the call, Oh you do remember 471 00:23:23.839 --> 00:23:24.920 that Jim, I. 472 00:23:24.880 --> 00:23:28.240 Remember, I remember the calls in the conversation. Uh, if 473 00:23:28.279 --> 00:23:30.759 somebody else wants to take the other two phone numbers 474 00:23:30.799 --> 00:23:33.920 or the consumed protection hez they guy and the insurance 475 00:23:33.920 --> 00:23:36.519 company guys. I also have those I can give you. 476 00:23:36.519 --> 00:23:37.559 You can go to somebody else. 477 00:23:38.359 --> 00:23:41.400 Yeah, what the hell? You know what? Well, we will 478 00:23:41.440 --> 00:23:43.599 try one more. Hold on, I got full lines on 479 00:23:43.720 --> 00:23:46.559 right now. But give Suzanne that info. She's talking to 480 00:23:46.599 --> 00:23:49.440 somebody real quick. Three oh three seven one three eight 481 00:23:49.480 --> 00:23:53.119 two five five. Hey Michelle, what is going on with you? 482 00:23:56.920 --> 00:23:57.000 So? 483 00:23:57.799 --> 00:24:00.359 Yeah, Hey, Michelle, listen, I'm gonna tell everybody right now. 484 00:24:01.799 --> 00:24:05.279 It's my fault. Now listen, listen, it's my fault. When 485 00:24:05.319 --> 00:24:07.960 there's a delay like that. Do you know why, Dmitri 486 00:24:09.200 --> 00:24:12.160 I can't think of a good reason. Was I like that? 487 00:24:12.279 --> 00:24:14.640 He's like, no, there's no, there's no excuse for that. No, 488 00:24:14.799 --> 00:24:18.319 here's the bottom line. You hit the button. And I'm 489 00:24:18.359 --> 00:24:21.119 saying this because John sitting next to me. You hit 490 00:24:21.160 --> 00:24:23.759 the I'm sorry, just hold on, Michelle. You hit the button, 491 00:24:24.319 --> 00:24:28.640 and you wait about two seconds or three then go 492 00:24:28.720 --> 00:24:31.720 to the caller. It takes two or three seconds for 493 00:24:31.880 --> 00:24:34.359 them to actually hear you. But now go ahead, Michelle, 494 00:24:34.440 --> 00:24:36.759 thank you for holding Yeah, no problem. 495 00:24:37.559 --> 00:24:40.880 So recently my nephew wrecks my car. He took you 496 00:24:40.920 --> 00:24:44.680 without my knowing, and so I had Bull coverage insurance 497 00:24:44.720 --> 00:24:48.359 on it. State Barn paid their half the gap insurance 498 00:24:48.440 --> 00:24:51.160 is not paying the other half. It is thirteen hundred dollars. 499 00:24:51.839 --> 00:24:54.319 Now why did State for them only pay half? 500 00:24:54.960 --> 00:24:55.839 I have no idea? 501 00:24:56.119 --> 00:24:58.920 Well, and I'm sorry, and I'm sorry, Michelle. What do 502 00:24:58.960 --> 00:25:02.839 you so? How much dam was the car totaled? Yeah, 503 00:25:02.880 --> 00:25:04.920 the car was, and how much? How much did they 504 00:25:05.039 --> 00:25:06.319 how much was the car worth? 505 00:25:07.680 --> 00:25:10.440 I still owed on my car about twenty two I 506 00:25:10.480 --> 00:25:13.680 think twenty two thousand. It was a twenty eighteen. 507 00:25:14.079 --> 00:25:17.519 But hold on, how much? How much was the value 508 00:25:17.559 --> 00:25:18.799 of the vehicle? Do you know that? 509 00:25:19.000 --> 00:25:20.599 Or no, no, I do not. 510 00:25:20.880 --> 00:25:23.359 How much did the insurance company offer you? 511 00:25:24.599 --> 00:25:26.359 They didn't help me nothing. All they did is take 512 00:25:26.400 --> 00:25:28.920 me the ten thousand, ten thousands towards my car. 513 00:25:29.160 --> 00:25:31.559 Well that's that's what I was asking. So they gave 514 00:25:31.599 --> 00:25:32.400 you ten grand? 515 00:25:33.039 --> 00:25:33.839 Yeah, ten grand? 516 00:25:33.920 --> 00:25:35.880 So seriously upside down? 517 00:25:35.960 --> 00:25:39.960 Yeah, So what happened is you have negative equity either 518 00:25:40.079 --> 00:25:43.480 you bought it a very high interest rate. Something was 519 00:25:43.519 --> 00:25:47.400 inflated in the car. Where did you buy the car? 520 00:25:47.480 --> 00:25:49.839 And how much? I know you had an eighteen thousand 521 00:25:49.920 --> 00:25:52.440 dollars loan, but for example, do you know what your 522 00:25:52.559 --> 00:25:53.519 interest rate was? 523 00:25:55.039 --> 00:25:55.119 No? 524 00:25:55.240 --> 00:25:57.319 I do not know the interest rate on any market. 525 00:25:57.359 --> 00:25:59.880 I think Michelle said that she had GAP insurance that 526 00:26:00.039 --> 00:26:00.680 hasn't paid off? 527 00:26:00.720 --> 00:26:05.359 Is that insurance if she if she owes eighteen and 528 00:26:05.440 --> 00:26:10.279 they gave her ten, they're not giving her GAP insurance 529 00:26:10.359 --> 00:26:12.759 isn't giving her eight by any means? How much does 530 00:26:12.799 --> 00:26:13.839 GAP want to give you? 531 00:26:14.559 --> 00:26:15.839 Gap isn't given me anything? 532 00:26:16.119 --> 00:26:19.440 Not a nickel? Nope? Okay, let me ask you this. 533 00:26:19.519 --> 00:26:21.799 Here's what I want to do. I got to figure 534 00:26:21.799 --> 00:26:25.079 this out a little better. I would like the VIN number. 535 00:26:25.200 --> 00:26:27.119 You probably don't have the VIN. What was the year 536 00:26:27.160 --> 00:26:31.680 making model? It doesn't say, Hey, Dmitri, I want you 537 00:26:31.759 --> 00:26:34.440 to look up the year make model? What is it? 538 00:26:34.440 --> 00:26:38.079 It's a twenty eighteen Bwicks Lacrosse Buick Lacrosse. 539 00:26:38.119 --> 00:26:39.079 How many miles on it? 540 00:26:40.160 --> 00:26:40.559 There was? 541 00:26:40.880 --> 00:26:45.359 I just like, and then is there any trim you 542 00:26:45.440 --> 00:26:48.079 know of, like S model or anything like that. If not, 543 00:26:48.200 --> 00:26:53.319 we'll get close. And it was in pretty decent shape, 544 00:26:53.359 --> 00:26:54.160 normal shape. 545 00:26:54.839 --> 00:26:56.720 Oh yeah, I only owned it for two years? 546 00:26:56.759 --> 00:26:57.920 Did you ask how many miles? 547 00:26:58.160 --> 00:27:00.960 Yeah, he got that seventy. I want to look that up, 548 00:27:01.000 --> 00:27:04.039 and I want to ask you something else, And I 549 00:27:04.079 --> 00:27:07.119 think John Fuller knows where I'm going to here. So 550 00:27:07.359 --> 00:27:10.200 when they offered you that ten thousand, you said they 551 00:27:10.240 --> 00:27:13.279 only paid half. I understand you're thinking the gap would 552 00:27:13.279 --> 00:27:17.000 pay the other eight But did they say there was 553 00:27:17.079 --> 00:27:20.039 somebody else at fault at all? Were they only going 554 00:27:20.119 --> 00:27:22.720 to pay for fifty percent of the vehicle or they 555 00:27:22.759 --> 00:27:25.200 told you they were going to pay for the entire vehicle? 556 00:27:26.319 --> 00:27:28.559 Well, so I understand it. I just got full coverage 557 00:27:28.599 --> 00:27:31.400 insurance and that like State Farm would cover the whole car, 558 00:27:31.519 --> 00:27:32.759 and I didn't realize. 559 00:27:32.480 --> 00:27:36.640 That only covered our So hey, Michelle, this is John Fuller. 560 00:27:36.680 --> 00:27:37.720 I do this every day. 561 00:27:37.960 --> 00:27:41.720 So is it true to say that State Farm gave 562 00:27:41.799 --> 00:27:44.480 you what they valued your car at and that just 563 00:27:44.559 --> 00:27:47.480 happened to be about half of what you owed on it? 564 00:27:48.440 --> 00:27:51.119 Yes, okay, perfect, that's what we were looking for. 565 00:27:51.119 --> 00:27:53.759 Perfect. Hold tight, We're going to get a value on 566 00:27:53.839 --> 00:27:56.319 that car and try to tell you where you well, 567 00:27:56.359 --> 00:27:58.759 where you're at. You might not like it, you might 568 00:27:58.880 --> 00:27:59.119 like it. 569 00:27:59.119 --> 00:28:08.039 Hold on, go with a sure thing Denver's best rufer 570 00:28:08.160 --> 00:28:11.079 excel Roofing dot com. You don't pay a cent until 571 00:28:11.079 --> 00:28:17.559 you're content. Time for an insurance checkup free, no obligation. 572 00:28:17.559 --> 00:28:21.400 In comparison, call Compass Insurance paying too much your coverage 573 00:28:21.440 --> 00:28:24.319 at dozens of insurance companies find out now three three 574 00:28:24.480 --> 00:28:25.240 seven to seven to one. 575 00:28:25.400 --> 00:28:25.680 Help. 576 00:28:25.839 --> 00:28:28.440 You'll think you're his only customer when you choose Frank 577 00:28:28.519 --> 00:28:30.960 durand the real estate Man dot com to list your 578 00:28:31.000 --> 00:28:34.640 home with Remax Alliance three three nine two zero sixteen 579 00:28:34.720 --> 00:28:35.240 twenty two. 580 00:28:37.000 --> 00:28:39.960 Frank Duran the real estate Man, How I love thee. 581 00:28:40.680 --> 00:28:44.400 He negotiates like nobody's business. I'll tell you what. Not 582 00:28:44.519 --> 00:28:46.240 only did he get us more money for the house 583 00:28:46.279 --> 00:28:49.119 we sold in Castle Rock, more money than the same 584 00:28:49.200 --> 00:28:51.559 model in the rest of the neighborhood. And he did it, 585 00:28:52.200 --> 00:28:53.839 and he did it and he did it, and he 586 00:28:53.880 --> 00:28:56.680 did it wonderfully. But he saved us a ton of 587 00:28:56.680 --> 00:29:00.319 money buying our house by negotiating with the owner in 588 00:29:00.359 --> 00:29:03.319 frank Town. Because Frank figured out, I'll give you a 589 00:29:03.359 --> 00:29:06.000 little secret sauce. He figured out the guy had that 590 00:29:06.119 --> 00:29:08.559 the house was empty for about six months, but we 591 00:29:08.599 --> 00:29:10.839 didn't know if he was paying intrist or a mortgage 592 00:29:10.839 --> 00:29:13.480 every month, and sure enough he had a big mortgage payment, 593 00:29:13.480 --> 00:29:16.400 a good nut to crack every month. So what happened 594 00:29:16.480 --> 00:29:18.799 was Frank figured that out. We made him kind of 595 00:29:18.799 --> 00:29:21.240 a cash offer, and he saved me close to one 596 00:29:21.319 --> 00:29:23.880 hundred grand on that house. You want the best forget 597 00:29:23.880 --> 00:29:28.519 about the rest, Frank durand homes dot com. I promise you, 598 00:29:28.599 --> 00:29:32.279 Frank Duran homes dot com. Now, so we did a 599 00:29:32.279 --> 00:29:36.319 couple things here over the break. So we have Michelle 600 00:29:36.960 --> 00:29:39.720 her vehicle was taken by a relative. What did you 601 00:29:39.839 --> 00:29:43.519 What did she say, John, her niece or nephew, something 602 00:29:43.559 --> 00:29:43.880 like that. 603 00:29:44.079 --> 00:29:48.319 Yeah, and you said without my permission? But Michelle, what 604 00:29:48.440 --> 00:29:50.799 is I mean? Is this the had he ever borrowed 605 00:29:50.839 --> 00:29:52.920 your car before him? And he wrote he didn't steal 606 00:29:52.960 --> 00:29:53.359 the car? 607 00:29:53.440 --> 00:29:53.680 Right? 608 00:29:53.920 --> 00:29:56.000 Yeah? Why did they say with that? Why did you 609 00:29:56.039 --> 00:29:58.880 bring up that fact? Because if the insurance company wrote 610 00:29:58.880 --> 00:30:00.480 you a check, I. 611 00:30:00.400 --> 00:30:02.480 Mean they must have thought he was a promissive driver. 612 00:30:02.759 --> 00:30:06.200 Or was there was there some question about who was 613 00:30:06.200 --> 00:30:09.240 at fault in the accident? No, that wasn't. 614 00:30:09.279 --> 00:30:12.279 My nephew was in fault of the accident. Yes, I 615 00:30:12.359 --> 00:30:13.559 did let him drive before. 616 00:30:13.799 --> 00:30:17.359 No, wait, explain what happened in the accident. So if 617 00:30:17.359 --> 00:30:19.720 he wasn't at fault, explain, to the best of your. 618 00:30:19.680 --> 00:30:21.680 Knowledge he was, he was at fault. 619 00:30:21.759 --> 00:30:23.400 Oh, he was at fault. 620 00:30:23.720 --> 00:30:24.000 Yeah? 621 00:30:24.039 --> 00:30:26.400 Are they possibly I go back to what I tried 622 00:30:26.440 --> 00:30:30.559 to ask her? Are they possibly saying because that vehicle Dmitri, 623 00:30:30.680 --> 00:30:31.319 what's it worth? 624 00:30:31.599 --> 00:30:31.799 Hey? 625 00:30:31.880 --> 00:30:34.920 On cars dot com there are tons of comps for 626 00:30:34.960 --> 00:30:38.480 this particular twenty eighteen buke across with seventy thousand, and 627 00:30:38.519 --> 00:30:42.880 it's a solid seventeen eighteen thousand dollars car, asking pride. 628 00:30:42.640 --> 00:30:44.640 And that kind of aligns with her loan. She's been 629 00:30:44.720 --> 00:30:46.160 making payments for they years. 630 00:30:46.160 --> 00:30:48.200 Why did they take so much money off of your car? 631 00:30:48.240 --> 00:30:50.160 Had it been damaged before or anything? 632 00:30:50.920 --> 00:30:51.759 No, it has not. 633 00:30:52.000 --> 00:30:54.559 And Mark, if she if she cashed the check already, 634 00:30:54.599 --> 00:30:56.920 can she go back and ask for more money or 635 00:30:56.960 --> 00:30:58.200 is it kind of like too late? 636 00:30:58.359 --> 00:30:58.680 I don't know. 637 00:30:59.240 --> 00:31:01.119 It may not be laid against their own. 638 00:31:01.000 --> 00:31:04.079 Insurance company check personally. 639 00:31:04.640 --> 00:31:07.079 Okay, good, well, hang on to that for right this moment. 640 00:31:07.319 --> 00:31:13.079 Is this possible, Michelle? That State Farm assigned some of 641 00:31:13.119 --> 00:31:16.640 the blame of the accident to the other party. 642 00:31:18.000 --> 00:31:20.519 To my knowledge, I'm thinking, but I never got a 643 00:31:20.640 --> 00:31:25.559 check day page, the state farm page. Yea, the loan company. 644 00:31:25.599 --> 00:31:31.880 I never paid directly, So Michelle, they have to I mean, listen, 645 00:31:31.960 --> 00:31:34.160 there has to be a property damage adjuster. They got 646 00:31:34.160 --> 00:31:36.240 assigned to the case, and that person's job is to 647 00:31:36.240 --> 00:31:37.720 come up with the value of your car, you know, 648 00:31:37.799 --> 00:31:40.440 case or your car if in fact it was total, 649 00:31:40.480 --> 00:31:43.039 which it sounds like it was, so they have to go. 650 00:31:44.279 --> 00:31:48.200 Sorry, I did find all my paperwork for this insurance company. 651 00:31:48.519 --> 00:31:49.359 You have it right there. 652 00:31:49.519 --> 00:31:51.720 Here's Here's one of the things that I suggest that 653 00:31:51.759 --> 00:31:55.440 people do is you tell that insurance company that you 654 00:31:55.480 --> 00:31:57.920 want to see how they arrived at that value, and 655 00:31:57.960 --> 00:32:00.839 they can provide you with It looks like an appraisal 656 00:32:00.880 --> 00:32:03.039 on the house, so have comps. They'll show you what 657 00:32:03.119 --> 00:32:06.720 they added and what they subtracted. Mark, remember on your accident, Oh, 658 00:32:06.759 --> 00:32:09.720 mine was off by at what proved that they got 659 00:32:09.720 --> 00:32:12.400 the wrong model and just black got it wrong. Mine 660 00:32:12.480 --> 00:32:14.559 was so wrong it was crazy and you won't know 661 00:32:14.680 --> 00:32:16.920 what they did wrong until you see that. And all 662 00:32:16.960 --> 00:32:20.079 you have to do, since especially it's your insurance company, 663 00:32:20.119 --> 00:32:21.599 is call up and say I want to see this. 664 00:32:21.880 --> 00:32:24.799 I still contend though there's something else going on here. 665 00:32:24.920 --> 00:32:25.440 There has to be. 666 00:32:25.799 --> 00:32:28.359 There has to be what paperwork you have right in 667 00:32:28.400 --> 00:32:32.079 front of you? Do you have like a ledger arm? 668 00:32:32.200 --> 00:32:35.440 I have, yeah, it staple, But what is it? 669 00:32:35.480 --> 00:32:37.640 Does it have numbers on it? How they came up with? 670 00:32:37.920 --> 00:32:40.680 Does it have that ten thousand dollars number on it somewhere? 671 00:32:41.359 --> 00:32:41.519 Yeah? 672 00:32:41.599 --> 00:32:43.960 I mean the quint Now, and here's what I want 673 00:32:44.000 --> 00:32:44.160 you to do. 674 00:32:44.200 --> 00:32:46.279 Hold on, what was your deductible? 675 00:32:46.559 --> 00:32:48.839 Oh, there is a good question. That's a really good question. 676 00:32:48.880 --> 00:32:51.119 I bet it's a thousand. But hold on, let's ask her. 677 00:32:51.200 --> 00:32:54.559 And I say that because hey, Michelle, how much was 678 00:32:54.599 --> 00:32:55.400 your deductible? 679 00:32:56.559 --> 00:32:58.799 And see, I'm not sure my husband takes care of 680 00:32:58.839 --> 00:32:59.640 everything like that. 681 00:32:59.720 --> 00:33:04.799 So send us a picture. Here's what I want to do, Suzanne, 682 00:33:04.799 --> 00:33:06.839 pick up. We're gonna go to break here in a second. 683 00:33:07.160 --> 00:33:10.079 I'd like a picture of the settlement sheet if she 684 00:33:10.279 --> 00:33:13.599 has it, en Tam, text it to you, alrighty, simple 685 00:33:13.640 --> 00:33:16.599 as that. Three oh three seven one three A two 686 00:33:16.640 --> 00:33:17.200 five five? 687 00:33:17.720 --> 00:33:18.480 And who is this? 688 00:33:18.640 --> 00:33:20.920 Jim? Jim, We're gonna go ahead and free you up. 689 00:33:21.079 --> 00:33:23.519 We're good, Yeah, he wants to hold I'm sorry to interrupt, 690 00:33:23.519 --> 00:33:25.680 and I'm gonna call the scammer one more time over 691 00:33:25.759 --> 00:33:27.759 break and see if he answers and wants to come on, 692 00:33:27.880 --> 00:33:30.480 then I'll I'll kill kill Jim if I need to. 693 00:33:30.519 --> 00:33:31.279 Awesome, I love it. 694 00:33:31.279 --> 00:33:32.440 I wanted to listen in now. 695 00:33:32.480 --> 00:33:36.680 Also, we're gonna tell talk about Vestera Turnkey after the break. 696 00:33:36.880 --> 00:33:39.680 These guys have a webinar coming up. I'm gonna explain 697 00:33:39.720 --> 00:33:41.799 really quick because we're run out of time here what 698 00:33:41.920 --> 00:33:44.039 we're gonna do. But I want Jim, Mark, Michelle. You 699 00:33:44.079 --> 00:33:45.920 guys hold on, I'll be coming right back to you. 700 00:33:46.000 --> 00:33:48.880 One line open, three oh three Martino three oh three 701 00:33:48.960 --> 00:33:52.079 seven one three A two five five. But this Saturday 702 00:33:52.160 --> 00:33:55.480 ten am. You can actually do it right from home. 703 00:33:55.519 --> 00:33:57.319 You can do it wherever you want. It's a webinar, 704 00:33:57.599 --> 00:34:01.119 but you're gonna learn how Vesteria Properties has made people 705 00:34:01.240 --> 00:34:04.720 literally millions of dollars. They go find the right property 706 00:34:04.799 --> 00:34:08.239 in the country for you. They find the right house, 707 00:34:08.639 --> 00:34:13.039 the right economy, the right place. Then they find the 708 00:34:13.119 --> 00:34:15.679 right people to manage it. While you collect rent. You 709 00:34:15.760 --> 00:34:18.400 own the house. It's your house, you're renting it out. 710 00:34:18.559 --> 00:34:21.960 Then as it appreciates because they found the right house 711 00:34:21.960 --> 00:34:24.239 in the right area, whenever you want to sell it, 712 00:34:24.280 --> 00:34:26.639 you sell it and it's all for like three hundred 713 00:34:26.639 --> 00:34:29.760 and ninety bucks a year. It's incredible. We'll talk more 714 00:34:29.800 --> 00:34:33.239 about that and a lot more coming up. I'm the 715 00:34:33.320 --> 00:34:35.079 Troubleshooter Show. 716 00:34:39.920 --> 00:34:43.880 Go with a sure thing Denver's Best roofer Excelroofing dot com. 717 00:34:43.920 --> 00:34:45.920 You don't pay a cent until you're content. 718 00:34:49.320 --> 00:34:52.880 Time for an insurance checkup free, no obligation comparison call 719 00:34:52.960 --> 00:34:56.280 Compass Insurance paying too much your coverage at dozens of 720 00:34:56.320 --> 00:34:59.039 insurance companies find out now three O three seven to 721 00:34:59.039 --> 00:35:01.840 seven to one help. You'll think you're his only customer 722 00:35:01.880 --> 00:35:04.119 when you choose Frank durand the real estate Man dot 723 00:35:04.159 --> 00:35:07.480 com to list your home with Remax Alliance three oh 724 00:35:07.519 --> 00:35:10.159 three nine two zero sixteen twenty two. 725 00:35:10.360 --> 00:35:21.239 Yeah, ripped up life. You know you're in the whole 726 00:35:21.280 --> 00:35:25.159 shown as fast as we can. 727 00:35:25.800 --> 00:35:30.239 Show the Shooter's gonna help come Man. 728 00:35:29.719 --> 00:35:31.920 Dix is the Troubleshooter Show. 729 00:35:32.519 --> 00:35:37.519 No, Tom Martinez, Welcome, Welcome to the show, the only. 730 00:35:37.360 --> 00:35:39.679 Show of that's kind. Hey, listen, everybody listening, So we 731 00:35:39.760 --> 00:35:41.880 got to scammer. I'm listen. I know I'm not doing 732 00:35:41.920 --> 00:35:44.519 my normal intro, but you know the show we help 733 00:35:44.599 --> 00:35:47.960 you solve problems answer questions, take complaints to the tune 734 00:35:48.000 --> 00:35:51.239 of over three hundred million dollars. Suzanne's got one of 735 00:35:51.280 --> 00:35:53.960 the scammers on. We had a call last hour and 736 00:35:54.039 --> 00:35:56.519 this guy said, hey, all these people are calling me up. 737 00:35:56.679 --> 00:35:59.159 They're telling me how to get seven hundred and fifty 738 00:35:59.239 --> 00:36:01.599 thousand dollars. We got this guy on the hook. He 739 00:36:01.639 --> 00:36:04.159 can't hear me right now, but he is gonna hear 740 00:36:04.199 --> 00:36:06.440 me when I go back in a second. But I 741 00:36:06.559 --> 00:36:09.360 do need to tell everybody out there, well, we don't 742 00:36:09.360 --> 00:36:11.559 have any lines open, so that's not gonna work. But 743 00:36:11.679 --> 00:36:14.360 help it troubleshooter dot com and don't forget three ZHO 744 00:36:14.400 --> 00:36:16.840 three Martino if you want to get through and talk 745 00:36:16.880 --> 00:36:19.679 to us, So tell Suzanne. She can put him back 746 00:36:19.719 --> 00:36:22.119 on hold, and I'm gonna he'll be able to hear 747 00:36:22.159 --> 00:36:25.639 me when he's on hold. Okay, body, hank Ty, it's 748 00:36:25.639 --> 00:36:28.440 gonna be good. All right, Let's get him on hold. 749 00:36:29.119 --> 00:36:29.480 All right. 750 00:36:29.639 --> 00:36:32.760 So we have exciting news today. Check it out. We 751 00:36:32.840 --> 00:36:36.239 have somebody. This is incredible and I'm hoping, I'm hoping 752 00:36:36.280 --> 00:36:38.800 it's a real deal. But we have James. He's on 753 00:36:38.880 --> 00:36:40.800 the line right now. I'm gonna go to James shimps. 754 00:36:41.159 --> 00:36:44.280 I am so impressed by this. We had someone tell 755 00:36:44.400 --> 00:36:48.280 us about your system how to get seven hundred and 756 00:36:48.320 --> 00:36:50.880 fifty thousand dollars. How does that work? 757 00:36:54.159 --> 00:36:54.480 Well? 758 00:36:54.519 --> 00:36:56.840 I have to ask mister Quickley, he is the one 759 00:36:56.880 --> 00:36:57.639 offering this. 760 00:36:58.920 --> 00:37:02.639 Mister Quickly start caller Mark on line three. He's saying 761 00:37:02.719 --> 00:37:05.800 that he just told me that Jim's soliciting him for it. 762 00:37:06.239 --> 00:37:10.519 What what are you talking about? James? Seriously, do you not. 763 00:37:10.880 --> 00:37:16.320 Received the phone call from mister Quickly from Colorado? Yeah, 764 00:37:16.480 --> 00:37:21.239 soliciting some funds from some kind of awards, sir, some. 765 00:37:21.320 --> 00:37:24.320 Kind of Wait a minute, are you turning the tables 766 00:37:24.400 --> 00:37:27.239 on my guy? Are you trying to turn the tables? 767 00:37:27.440 --> 00:37:30.239 Who's the I need to know both of you, both 768 00:37:30.280 --> 00:37:33.360 of you right now, which one's the scammer. It's like 769 00:37:33.400 --> 00:37:35.639 the cartoons where they're pointing at each other. 770 00:37:36.199 --> 00:37:38.800 Jim, are you the scammer trying to scam James? 771 00:37:39.320 --> 00:37:42.039 I believe this or Quickly? I don't have some explaining 772 00:37:42.079 --> 00:37:42.320 to do. 773 00:37:43.039 --> 00:37:45.800 Mister Quickly, Do you got some explaining to do? 774 00:37:47.360 --> 00:37:52.639 Oh? By well, start off with a call from Consumer 775 00:37:52.719 --> 00:37:57.519 Protecting Agency David Western Virginia. I referred me to First 776 00:37:57.519 --> 00:38:02.960 State Insurance trust their name and phone number. Yep, and 777 00:38:03.000 --> 00:38:06.280 now over to this James Miller, and they gave me 778 00:38:06.360 --> 00:38:07.280 a claim number. 779 00:38:07.360 --> 00:38:11.119 All right, hold on, James, Hey, hold on, Jim. James, Seriously, man, 780 00:38:11.159 --> 00:38:16.480 can I ask you a question? Sure, I'd really appreciate this, 781 00:38:16.599 --> 00:38:17.840 I honestly would. 782 00:38:17.920 --> 00:38:18.199 Man. 783 00:38:19.519 --> 00:38:22.440 So look, I know what side of this this year on. 784 00:38:23.320 --> 00:38:26.199 What I'd really like to know, though, is just the back. 785 00:38:26.280 --> 00:38:28.880 We all get phone calls like this, we all do. 786 00:38:29.159 --> 00:38:32.639 I mean, it's incredible. So like, where are you? Are 787 00:38:32.679 --> 00:38:35.239 you literally in the country? How does it work? Do 788 00:38:35.320 --> 00:38:38.159 you split the money? If you do get money? I mean, 789 00:38:38.519 --> 00:38:42.840 how does please just explain how it works? I mean, 790 00:38:42.880 --> 00:38:44.599 do something nice for everything work. 791 00:38:44.719 --> 00:38:47.960 I'm in my Manhattan and I received this phone call. 792 00:38:48.199 --> 00:38:48.840 I don't believe it. 793 00:38:49.079 --> 00:38:51.840 But now I don't understand what you're trying to am. 794 00:38:51.960 --> 00:38:54.079 Well, I'm trying to say, you're a big time scammer. 795 00:38:54.159 --> 00:38:55.960 That's what I'm trying to say. And I was hoping 796 00:38:56.199 --> 00:38:58.800 for one time. I was hoping for one time in 797 00:38:58.840 --> 00:39:02.480 your life, one time in your life you could actually 798 00:39:02.559 --> 00:39:07.519 help people and tell us how this works. He hung up, 799 00:39:08.599 --> 00:39:12.239 He hung up, out out, he hung up, Hey, Jim, 800 00:39:12.320 --> 00:39:14.920 he hung up by me I believe you, man, there's 801 00:39:14.960 --> 00:39:18.320 no doubt that guy is involved. Suzanne. When you first 802 00:39:18.360 --> 00:39:21.400 called him, what did he say? What did you tell him? 803 00:39:21.840 --> 00:39:24.800 I told him, I said, we're a consumer advocacy show. 804 00:39:24.880 --> 00:39:27.280 We are understand you're getting out seven hundred and fifty 805 00:39:27.320 --> 00:39:30.239 thousand dollars rewards. And Jim Quigley said, you would be 806 00:39:30.239 --> 00:39:32.360 happy to explain how to do that for our listeners, 807 00:39:32.840 --> 00:39:34.760 and he said he'd come on. And then when I 808 00:39:34.800 --> 00:39:36.920 went back to him while you were introing the show, 809 00:39:37.280 --> 00:39:40.039 he was trying to tell me that Jim was scamming. 810 00:39:39.599 --> 00:39:42.280 Him, so he changed it. Yah, yeah, so I do. 811 00:39:42.400 --> 00:39:44.159 That's going to be sort of turn of events when 812 00:39:44.199 --> 00:39:44.840 you brought him on. 813 00:39:45.159 --> 00:39:46.239 Yeah, that was crazy. 814 00:39:46.280 --> 00:39:48.400 Who's given me seven hundred and fifty grand? That's what 815 00:39:48.480 --> 00:39:48.960 I want to know? 816 00:39:49.159 --> 00:39:51.320 Yeah, I know who's Who's one. 817 00:39:51.199 --> 00:39:53.559 Of you guys is responsible for my seven fifty? 818 00:39:53.639 --> 00:39:53.880 Lord? 819 00:39:53.960 --> 00:39:57.119 Hey, Jim, out of curiosity, what was ultimately how would 820 00:39:57.159 --> 00:39:59.880 you get to seven fifty? We know the three people in, 821 00:40:00.360 --> 00:40:02.840 but what was the whole scam? You send them five 822 00:40:02.920 --> 00:40:05.480 grand to pay the prize money. 823 00:40:05.840 --> 00:40:09.840 Now I send them one percent seven thousand, five hundred 824 00:40:09.840 --> 00:40:17.800 dollars for the insurance pause. They put on I didn't understand, 825 00:40:18.079 --> 00:40:20.960 and they this is a great part. I said, what 826 00:40:21.079 --> 00:40:24.639 about income text by get this money? Oh, the insurance 827 00:40:24.679 --> 00:40:28.039 company paid two hundred and thirty thousand dollars on insurance. 828 00:40:28.400 --> 00:40:30.920 Wow, so they paid your insurance on the taxes. They 829 00:40:30.960 --> 00:40:31.760 paid your taxes. 830 00:40:32.039 --> 00:40:34.199 You're going to give me one hundred and fifty thousand. 831 00:40:34.320 --> 00:40:36.679 Yeah, well you know what. I am so glad you 832 00:40:36.719 --> 00:40:38.639 got involved, and I'm glad you called up too. I 833 00:40:38.719 --> 00:40:42.280 was really hoping. I was honestly hoping I could reach 834 00:40:42.320 --> 00:40:46.440 into this guy's soul and get some real information. I 835 00:40:46.480 --> 00:40:49.880 have no idea where he is, but I would guess right. 836 00:40:50.079 --> 00:40:52.719 Cuba, he's in New York, and I have he's not 837 00:40:52.840 --> 00:40:53.360 in New York. 838 00:40:53.679 --> 00:40:56.320 Do you think that guy lives in Manhattan? Well, no, 839 00:40:56.920 --> 00:40:59.719 he might live in the subway system in Manhattan. 840 00:41:00.159 --> 00:41:03.840 I called for his voicemail. Was a New York area coach. 841 00:41:03.920 --> 00:41:05.440 Just so you know, No, no, no, I know. But so 842 00:41:05.519 --> 00:41:07.800 everybody out there knows, and some of the older people 843 00:41:07.800 --> 00:41:09.920 probably don't. But here's the bottom line. You go to Google, 844 00:41:10.159 --> 00:41:11.079 you set up an email. 845 00:41:11.119 --> 00:41:11.599 You can get a. 846 00:41:11.519 --> 00:41:14.280 Google number for free, and you can pick basically whatever 847 00:41:14.320 --> 00:41:16.559 area code you want. In the world and you don't 848 00:41:16.599 --> 00:41:17.840 even pay a nickel for it. 849 00:41:17.960 --> 00:41:20.840 Honestly, he didn't sound foreign to me. Did he sound 850 00:41:20.880 --> 00:41:21.440 foreign to you? 851 00:41:21.559 --> 00:41:25.719 He said something that reminded me of Cuba. 852 00:41:25.880 --> 00:41:26.159 Huh. 853 00:41:26.199 --> 00:41:29.719 I don't even know what Telly said. Huh, what did 854 00:41:29.760 --> 00:41:32.280 he say, Barry? Didn't he say something about Cuba? 855 00:41:32.360 --> 00:41:35.159 As soon as he got on His first words were not. 856 00:41:35.440 --> 00:41:36.239 Or maybe breaking? 857 00:41:36.400 --> 00:41:38.880 Ricardo? Did I hear a lucy thing in there? 858 00:41:39.079 --> 00:41:39.239 No? 859 00:41:40.639 --> 00:41:41.880 Did you know that was you? 860 00:41:42.079 --> 00:41:44.760 Because you said you guys got some splaining to do? 861 00:41:45.800 --> 00:41:46.920 What your reference? 862 00:41:48.000 --> 00:41:50.960 I think he said that first. I picked up on him, 863 00:41:51.320 --> 00:41:52.599 so I threw it back out. 864 00:41:52.719 --> 00:41:53.519 Oh, very good. 865 00:41:53.519 --> 00:41:56.000 So when he said that, I was thinking maybe Cuba. 866 00:41:56.039 --> 00:42:00.679 I thought it was something. Yeah, yeah, bubble Loup playing 867 00:42:00.719 --> 00:42:04.599 in the background. Is it Cuba or Cuba? I believe 868 00:42:05.239 --> 00:42:09.079 you're asking? Yeah, it depends, so you're asking. So, Hey, Jim, 869 00:42:09.119 --> 00:42:11.360 I appreciate that call, man. That was a That was 870 00:42:11.360 --> 00:42:12.519 a good one, Thank you, sir. 871 00:42:13.039 --> 00:42:17.000 All Right, if they get any calls from Consumer Protection 872 00:42:17.159 --> 00:42:20.480 Agency out of Virginia or First State National. 873 00:42:20.239 --> 00:42:23.679 Or anywhere trust or any bank, any of those things, yeah, 874 00:42:23.800 --> 00:42:25.320 or any insurance guys. 875 00:42:25.079 --> 00:42:25.519 I just don't. 876 00:42:25.559 --> 00:42:27.960 I just don't want any other seniors getting scammed out 877 00:42:27.960 --> 00:42:29.360 of their money. I appreciate your help. 878 00:42:29.559 --> 00:42:32.000 Yeah, you got it, the bottom bottom line, folks. And 879 00:42:32.039 --> 00:42:34.079 I mean, it's so weird these days. You got to 880 00:42:34.079 --> 00:42:36.960 re emphasize this, but it happens. My old man got 881 00:42:37.199 --> 00:42:39.199 uh somewhat taken, not for a lot of money, but 882 00:42:39.239 --> 00:42:42.559 someone hacked. You know, he sells he he doesn't now 883 00:42:42.599 --> 00:42:45.199 he's in his eighties, but he sold some homes in 884 00:42:45.239 --> 00:42:50.079 the retirement uh neighborhood he's in and pretty much just 885 00:42:50.199 --> 00:42:57.519 right around that area. And his boss, okay, actually got 886 00:42:57.519 --> 00:43:00.599 her email hacked and sent him an email along with 887 00:43:00.760 --> 00:43:04.719 her other employees. And the email said, Hey, I'm out 888 00:43:04.760 --> 00:43:09.039 of state right now and I really need to send 889 00:43:09.079 --> 00:43:13.880 a few people some Amazon gift cards. Please get them ordered, 890 00:43:13.960 --> 00:43:17.760 send me the number, and then you know, bomb, bam bam. 891 00:43:17.800 --> 00:43:20.239 So my dad bought five hundred dollars in Amazon gift 892 00:43:20.239 --> 00:43:24.559 cards because it legitimately came from his boss's email. But 893 00:43:24.719 --> 00:43:27.280 anybody out there, if anybody asked for gift card money 894 00:43:28.000 --> 00:43:30.400 or cash or anything, just don't do it. There's no 895 00:43:30.440 --> 00:43:32.800 other better way to say it. Three three seven, one 896 00:43:32.880 --> 00:43:36.239 three two five five. Let's say Mark, hey, hey. 897 00:43:36.079 --> 00:43:38.639 If you check your email here you and John both. 898 00:43:38.760 --> 00:43:43.199 I'm sending over the documents for Michelle's settlement on her 899 00:43:43.320 --> 00:43:46.360 vehicle that was totaled. Should be in your inbox the 900 00:43:46.360 --> 00:43:47.519 next ten seconds. 901 00:43:47.199 --> 00:43:51.679 So people just joining us. Michelle called last hour. Her 902 00:43:51.760 --> 00:43:55.639 vehicle got totaled. It was somebody else's fault, but it 903 00:43:55.719 --> 00:43:58.159 was her insurance that ended up paying the full amount. 904 00:43:58.840 --> 00:44:03.719 And basically she is short eight thousand dollars and we're 905 00:44:03.760 --> 00:44:07.119 trying to figure out why the insurance company only paid 906 00:44:07.440 --> 00:44:11.800 ten grand on an eighteen thousand dollars vehicle that was totaled. Denmark, 907 00:44:12.079 --> 00:44:13.079 you'll be up after that. 908 00:44:19.519 --> 00:44:22.800 Go with a sure thing Denver's Best roofer Excel Roofing 909 00:44:22.880 --> 00:44:23.480 dot com. 910 00:44:23.519 --> 00:44:25.519 You don't pay a cent until you're content. 911 00:44:28.920 --> 00:44:32.480 Time for an insurance checkup, free no obligation comparison call 912 00:44:32.559 --> 00:44:35.880 Compass Insurance paying too much your coverage at dozens of 913 00:44:35.920 --> 00:44:38.639 insurance companies find out now three O three seven to 914 00:44:38.639 --> 00:44:41.440 seven to one help. You'll think you're his only customer 915 00:44:41.480 --> 00:44:43.719 when you choose Frank durand the real estate Man dot 916 00:44:43.760 --> 00:44:47.079 com to list your home with Remax Alliance three oh 917 00:44:47.119 --> 00:44:49.079 three nine two zero sixteen twenty two. 918 00:44:53.719 --> 00:44:57.400 All right, waterpros dot net, Paul the Waterman man. They 919 00:44:57.440 --> 00:44:59.360 got the best systems out there, and they got them 920 00:44:59.360 --> 00:45:01.719 for up to half the price. Listen to that. I 921 00:45:02.559 --> 00:45:06.119 bought a system from him last year. I called around. 922 00:45:06.360 --> 00:45:09.159 I got a better system from Paul the Waterman for 923 00:45:09.360 --> 00:45:12.079 half the price of the other guys, for half the 924 00:45:12.159 --> 00:45:15.599 price and entire house system they have one now that 925 00:45:15.800 --> 00:45:18.880 is incredible. Not only is it a water softener, it 926 00:45:18.880 --> 00:45:21.239 gets rid of the chlorine and on top of that, 927 00:45:21.400 --> 00:45:24.280 it gets rid of the forever chemicals. You're going to 928 00:45:24.320 --> 00:45:27.840 have drinking water every place in the house when you shower, 929 00:45:27.880 --> 00:45:30.159 and we know those four ever chemicals don't go away. 930 00:45:30.320 --> 00:45:32.719 And the whole thing's under four grand. Think of what 931 00:45:32.760 --> 00:45:35.320 I just said. I dare you to call up another company, 932 00:45:35.360 --> 00:45:37.719 call again or something like that right now and say 933 00:45:37.760 --> 00:45:41.119 how much for a whole house a whole house system 934 00:45:41.119 --> 00:45:44.519 that does that. It's going to be fifteen grand. These 935 00:45:44.559 --> 00:45:47.480 guys have unbelievable prices. I don't even know how he 936 00:45:47.559 --> 00:45:49.599 does it, but I know this. He's a master plumber 937 00:45:50.000 --> 00:45:53.360 and he's a great guy. Paul the Waterman. You can 938 00:45:53.440 --> 00:45:57.760 check him out at waterpros dot net. That's waterpros dot 939 00:45:57.840 --> 00:46:00.679 net now three O three seven one three eight two 940 00:46:00.840 --> 00:46:03.960 five five go ahead interrupt. 941 00:46:03.960 --> 00:46:07.000 But with Michelle in the auto insurance issue, you wanted 942 00:46:07.000 --> 00:46:10.320 a couple extra documents. She's gonna text those over to 943 00:46:10.360 --> 00:46:11.920 me and I'll get them to you. So we're gonna 944 00:46:11.920 --> 00:46:13.519 put her on hold for just a hot minute. 945 00:46:13.559 --> 00:46:15.639 I love it. So Michelle called up and she only 946 00:46:15.679 --> 00:46:17.679 got ten grand eighty and then we'll try to get 947 00:46:17.920 --> 00:46:20.920 petty details on for a real value of that car. 948 00:46:21.159 --> 00:46:23.719 There's a couple of things they could be happening with Michelle. 949 00:46:24.199 --> 00:46:27.280 Here's one of them. She paid for Gap insurance, like 950 00:46:27.360 --> 00:46:30.320 she said, and she really did pay for it, but 951 00:46:30.480 --> 00:46:33.920 the dealership never sent it to the Gap insurance company, 952 00:46:34.119 --> 00:46:36.199 so they denied the claim because they don't even have 953 00:46:36.280 --> 00:46:38.719 a policy on her. The other thing that could have 954 00:46:38.800 --> 00:46:42.400 happened is they just flat out denied it because some 955 00:46:42.440 --> 00:46:45.559 of them are sleazily as sleezy as hell, John, you 956 00:46:45.599 --> 00:46:48.519 deal with auto accidents all the time. How often does 957 00:46:48.559 --> 00:46:51.320 gap insurance come up where there's an issue getting the 958 00:46:51.360 --> 00:46:52.480 money from the policy? 959 00:46:52.719 --> 00:46:55.199 Yeah, the bulk of the time we see problems with gap. 960 00:46:55.239 --> 00:46:58.559 It's it's process problem. So it's it's not reading the 961 00:46:58.599 --> 00:47:01.400 how to make a claim section and following it to 962 00:47:01.679 --> 00:47:02.320 the letter. 963 00:47:02.480 --> 00:47:02.639 Yeah. 964 00:47:02.679 --> 00:47:04.800 So if they say claims can only be made on 965 00:47:05.360 --> 00:47:08.320 the first Tuesday following the accident, and you wait till Wednesday, 966 00:47:08.320 --> 00:47:11.480 they're like, sorry, sorry to follow the process. We're going 967 00:47:11.519 --> 00:47:13.760 to deny the claim. And that's that's how they get 968 00:47:13.840 --> 00:47:14.760 out of a lot. 969 00:47:14.920 --> 00:47:16.519 And we're going to ask her when we get her 970 00:47:16.519 --> 00:47:19.400 back up and get those documents. I'm hoping they have 971 00:47:19.519 --> 00:47:22.880 the original sales. I'd like to see the other thing 972 00:47:22.920 --> 00:47:26.199 I was thinking about. That's actually I love that. I 973 00:47:26.239 --> 00:47:28.960 can't wait to look at it. Here's why. Let's say 974 00:47:29.320 --> 00:47:31.480 she had eighteen thousand. What she says she had a 975 00:47:31.519 --> 00:47:34.880 loan for eighteen She's been paying on it for two years. 976 00:47:35.400 --> 00:47:38.119 I'm just going to assume let's say the original loan 977 00:47:38.440 --> 00:47:41.880 was twenty thousand. I wonder how much of that twenty 978 00:47:42.000 --> 00:47:45.239 thousand was the mopp and glow. I wonder if there's 979 00:47:45.280 --> 00:47:48.960 a service contract in there for three there's a windshield 980 00:47:49.079 --> 00:47:50.960 contract in there for one thousand, or. 981 00:47:50.880 --> 00:47:53.320 If she could have been upside down bringing a trade 982 00:47:53.320 --> 00:47:55.360 in to the table before it, or could have been 983 00:47:55.360 --> 00:47:58.159 negative equity rolled into the day rolled in. You never 984 00:47:58.280 --> 00:48:00.519 know what exactly until you see that order. 985 00:48:00.599 --> 00:48:03.039 Michelle, here's a good box, just so you know what's 986 00:48:03.039 --> 00:48:04.800 happened box. 987 00:48:05.800 --> 00:48:10.039 While John's looking over at that Mark, What is going on? 988 00:48:10.159 --> 00:48:10.320 Man? 989 00:48:10.360 --> 00:48:11.039 What's happening? 990 00:48:11.800 --> 00:48:12.239 Hi there? 991 00:48:12.280 --> 00:48:12.519 Mark? 992 00:48:14.119 --> 00:48:16.400 I wanted to find out if you have any advice 993 00:48:16.519 --> 00:48:19.800 on claiming an abandoned vehicle. We have a vehicle that 994 00:48:19.880 --> 00:48:23.000 was left at our complex. It looks like the tenant 995 00:48:23.039 --> 00:48:27.119 moved out, parked the vehicle in the guest parking. It's 996 00:48:27.159 --> 00:48:28.119 been there almost a month. 997 00:48:28.760 --> 00:48:31.559 Is it just is it like a rundown jeelopie or 998 00:48:31.599 --> 00:48:32.199 what do you got? 999 00:48:33.400 --> 00:48:37.400 Late later model Jeep Renegade unlocked. The keys are actually 1000 00:48:37.440 --> 00:48:38.880 in it all I know. For all I know, the 1001 00:48:38.920 --> 00:48:39.599 title could be in there. 1002 00:48:39.639 --> 00:48:42.639 It's either it's probably either out for repo or it's stolen. 1003 00:48:42.679 --> 00:48:43.920 I mean, I call the cops. 1004 00:48:44.599 --> 00:48:47.280 Yeah, yeah, we called the cops. There's no missing person's reporting. 1005 00:48:47.320 --> 00:48:51.239 It's got a valid license plate with still not expired plate. 1006 00:48:51.440 --> 00:48:53.320 But the keys are in it and everything. I wonder 1007 00:48:53.320 --> 00:48:55.400 if it's like a setup vehicle. I mean, why the 1008 00:48:55.480 --> 00:48:59.639 hell would someone leave a later model Jeep with the 1009 00:48:59.719 --> 00:49:02.480 key in it. I mean maybe they want it stolen 1010 00:49:02.519 --> 00:49:04.719 to cash out of the loan or something. 1011 00:49:04.840 --> 00:49:07.280 I've seen videos like this on YouTube and stuff. 1012 00:49:07.400 --> 00:49:11.880 I've seen an episode of Sign we think, just saying 1013 00:49:12.519 --> 00:49:14.760 the car smelled. So he threw his keys to a 1014 00:49:14.800 --> 00:49:17.719 bum and was like and then the bum gets in. 1015 00:49:17.760 --> 00:49:21.920 He goes, oh, no, it smells too bad. Where where 1016 00:49:22.000 --> 00:49:22.639 is it? Mark? 1017 00:49:23.599 --> 00:49:23.760 Uh? 1018 00:49:23.840 --> 00:49:27.079 In Lakewood? In a UH condominium complex? 1019 00:49:27.239 --> 00:49:28.960 Well, who who is your tower? 1020 00:49:31.440 --> 00:49:34.000 We haven't contacted a tower. We haven't made management and 1021 00:49:34.000 --> 00:49:35.519 aware of it yet. We were waiting to see if 1022 00:49:35.519 --> 00:49:36.760 they'd come back and get the vehicle. 1023 00:49:37.119 --> 00:49:39.239 I'm sure after going on the radio, it'll be gone 1024 00:49:39.239 --> 00:49:40.000 this afternoon. 1025 00:49:40.039 --> 00:49:40.239 You know. 1026 00:49:40.440 --> 00:49:40.960 Yeah, it was. 1027 00:49:41.239 --> 00:49:46.480 Oh my god, John, that's unbelievable. You know what this 1028 00:49:46.559 --> 00:49:49.679 could be. This could be the guy. This could be 1029 00:49:49.719 --> 00:49:53.199 the guy. It's an entire setup, Mark or you in 1030 00:49:53.400 --> 00:49:54.360 cahoots on this. 1031 00:49:55.320 --> 00:49:58.119 No way, hose you have another payment, dude next week. 1032 00:49:58.239 --> 00:50:01.480 That is crazy. It's like, Hey, the keys are in it, 1033 00:50:01.480 --> 00:50:02.320 it's it fourteen. 1034 00:50:03.559 --> 00:50:05.880 It seems like it has a full tank of gas. 1035 00:50:05.760 --> 00:50:08.880 It's full taking and there's a wallet. There's a wallet 1036 00:50:09.000 --> 00:50:09.920 right there in between. 1037 00:50:10.400 --> 00:50:12.519 It looks like a hundred sticking out of the wallet. 1038 00:50:12.639 --> 00:50:14.559 I moved the vehicle out onto the street. 1039 00:50:15.039 --> 00:50:16.840 I would not do that mark, I wouldn't get it. 1040 00:50:16.840 --> 00:50:21.079 Don't get your finger printing. Moving to the cops. I 1041 00:50:21.159 --> 00:50:27.440 asked you about the community there, because generally at condos, 1042 00:50:27.559 --> 00:50:32.360 town homes, apartment complexes, everywhere there's signs for a tower 1043 00:50:32.400 --> 00:50:35.239 it used to be Wyatts or whoever. I'd call them 1044 00:50:35.280 --> 00:50:36.840 up and tell them to get it to hell out 1045 00:50:36.840 --> 00:50:38.079 of there. It doesn't belong there. 1046 00:50:38.599 --> 00:50:40.239 So I don't have to be management to have it 1047 00:50:40.280 --> 00:50:40.679 towed off. 1048 00:50:40.880 --> 00:50:43.000 Well, no, I would tell management to get it to 1049 00:50:43.199 --> 00:50:43.840 out for sure. 1050 00:50:44.519 --> 00:50:45.719 It has to be management. 1051 00:50:45.840 --> 00:50:48.000 Why does it bug you that it's there just out 1052 00:50:48.000 --> 00:50:49.039 of curiosity? 1053 00:50:50.000 --> 00:50:51.920 Well, if our guests parking, they could. They have their 1054 00:50:51.960 --> 00:50:55.079 own guests parking at different buildings, so it kind of 1055 00:50:55.199 --> 00:50:57.679 disrupts our guests when our guests come in. Then I 1056 00:50:57.760 --> 00:50:58.760 have to park on the street. 1057 00:50:59.480 --> 00:51:02.440 Well yeah, I would. I'd go right to wherever your 1058 00:51:02.519 --> 00:51:04.639 management is or just call them and say, hey, this 1059 00:51:04.719 --> 00:51:07.320 thing's been there thirty days, it hasn't moved. 1060 00:51:08.119 --> 00:51:10.559 Okay, But there's no real process. I guess ultimately would 1061 00:51:10.639 --> 00:51:12.719 end up at the city auction or something like that. 1062 00:51:12.880 --> 00:51:15.480 Now that is the process. What would happen is they 1063 00:51:15.519 --> 00:51:18.400 would call up the tower, the tower would come get 1064 00:51:18.400 --> 00:51:20.960 it because it doesn't belong there. I mean basically, if 1065 00:51:21.000 --> 00:51:24.360 they have posted signs there, the tower would come get it. 1066 00:51:24.639 --> 00:51:27.000 They would bring it to wherever they bring it and 1067 00:51:27.079 --> 00:51:29.840 store it, and then the owner would be notified by 1068 00:51:29.840 --> 00:51:33.280 the registration. And if it's sat long enough, I mean, 1069 00:51:33.519 --> 00:51:36.119 then the towyard would the towyard would figure it out 1070 00:51:36.079 --> 00:51:38.599 it had a liquid intact, and then if there was 1071 00:51:38.639 --> 00:51:42.519 a loan on it, what's good for the towyard. Well, 1072 00:51:42.639 --> 00:51:44.960 this is a cool part for towyards. If there is 1073 00:51:45.000 --> 00:51:47.320 a loan on it, they end up getting paid for 1074 00:51:47.360 --> 00:51:50.400 the storage and the tow and everything by the bank 1075 00:51:50.480 --> 00:51:52.239 because the bank wants a vehicle back. 1076 00:51:53.400 --> 00:51:54.239 Yeah. 1077 00:51:54.280 --> 00:51:57.199 But yeah, there's nothing you're gonna do. You're in no position. 1078 00:51:57.480 --> 00:52:00.920 One more ask one more question and make one more comment. Sure, 1079 00:52:01.800 --> 00:52:05.199 who's ultimately responsible for the roads and the highways, especially 1080 00:52:05.199 --> 00:52:07.039 through the city and the Denver metro area. 1081 00:52:07.639 --> 00:52:10.440 What do you mean, who's responsible for what all the potholes? 1082 00:52:10.559 --> 00:52:11.159 What do you mean? 1083 00:52:11.360 --> 00:52:16.079 Yes, well, it really bad and I think Governor Polis 1084 00:52:16.119 --> 00:52:18.960 needs to do something about it. Well, my quick comments. 1085 00:52:18.679 --> 00:52:20.440 Thinks a pothole hotline. 1086 00:52:20.559 --> 00:52:23.079 I mean that's more of a yeah, I know, dial 1087 00:52:23.159 --> 00:52:26.000 nine and we'll show up and fill that pothole within 1088 00:52:26.039 --> 00:52:27.039 the next twelve years. 1089 00:52:27.880 --> 00:52:30.039 All the way west, all the way out to the east. 1090 00:52:29.960 --> 00:52:30.480 Really bad. 1091 00:52:30.639 --> 00:52:32.920 Well, i'll tell you where. It's funny as hell. If 1092 00:52:32.960 --> 00:52:36.679 you take what's that back highway into four Collins, if 1093 00:52:36.679 --> 00:52:38.639 you go Armshair, you go to four Collins and you 1094 00:52:38.719 --> 00:52:39.679 cut over Laramie. 1095 00:52:41.199 --> 00:52:42.360 It's a beautiful drive. 1096 00:52:42.320 --> 00:52:46.639 The second you get out of Colorado. Beautiful in hit Wyoming, 1097 00:52:46.960 --> 00:52:49.920 absolutely like you're in a Cadillact that's brand new with 1098 00:52:50.000 --> 00:52:53.480 the best suspension, airport quality pavement. And then on the 1099 00:52:53.519 --> 00:52:57.639 Colorado side, it's hang onto your hat and that's like 1100 00:52:57.760 --> 00:52:59.800 it twenty five going any direction. 1101 00:53:00.079 --> 00:53:01.119 Yeah, it's the same. 1102 00:53:01.159 --> 00:53:04.119 On seventy coming in from Kansas, it's just gorgeous. And 1103 00:53:04.159 --> 00:53:05.559 then you hit the state line and. 1104 00:53:05.519 --> 00:53:08.199 You're like, hang on for dear life. You're all over 1105 00:53:08.239 --> 00:53:08.599 the road. 1106 00:53:08.639 --> 00:53:12.400 And what's that area on seventy where you go way 1107 00:53:12.440 --> 00:53:15.199 past Grand Junction and then you come to those big 1108 00:53:15.239 --> 00:53:18.400 bridges that wind around before you go into Utah. You're 1109 00:53:18.440 --> 00:53:21.440 on bridges that are way off to ground, winding around 1110 00:53:21.840 --> 00:53:25.280 those things. You're so far off the ground it's crazy. 1111 00:53:25.519 --> 00:53:31.119 And there's potholes the size of basketballs everywhere. Yeah, it's insane. 1112 00:53:31.159 --> 00:53:36.199 So to answer your question, who's in charge of the roads, Well, apparently, 1113 00:53:37.000 --> 00:53:40.400 I guess ultimately Polish, I mean really right, Yeah, I 1114 00:53:40.440 --> 00:53:41.440 mean who. 1115 00:53:40.760 --> 00:53:43.480 Else literal the city. It just depends on what roads 1116 00:53:43.480 --> 00:53:44.079 you're talking about. 1117 00:53:44.079 --> 00:53:47.119 Everything's priority, you know, John, we had a car or 1118 00:53:47.159 --> 00:53:49.679 not one car. So I had a good year years 1119 00:53:49.719 --> 00:53:55.119 ago right at I seventy Impuria and a pothole opened up. 1120 00:53:55.159 --> 00:53:57.159 I think it was during the winter, but this pothole 1121 00:53:57.840 --> 00:54:01.519 was literally taking tires off and blowing stuff up. I 1122 00:54:01.599 --> 00:54:05.679 mean it was massive, and I had four or five 1123 00:54:05.840 --> 00:54:08.039 get dropped off in my parking lot because we were 1124 00:54:08.119 --> 00:54:12.239 right there by literally the city because they had to 1125 00:54:12.239 --> 00:54:15.119 get the cars off the street and they needed everything 1126 00:54:15.159 --> 00:54:18.000 from bent Rims. They all needed at least one tire, 1127 00:54:18.320 --> 00:54:22.079 but bent Rims someone mad control arms, bend everything. And 1128 00:54:22.159 --> 00:54:25.039 you know, ultimately there was one guy there that was 1129 00:54:25.079 --> 00:54:27.440 going to fight the city, and you know he was 1130 00:54:27.480 --> 00:54:30.119 gonna pay for those repairs. He owed maybe five hundred 1131 00:54:30.119 --> 00:54:32.960 and six hundred I don't remember, but no one got 1132 00:54:33.000 --> 00:54:35.320 a nickel. City didn't pay for a damn thing. So, 1133 00:54:35.360 --> 00:54:37.440 I mean that's just the way that rolls, man. I mean, 1134 00:54:37.440 --> 00:54:40.239 that's part of driving on our highways. So I assume 1135 00:54:40.280 --> 00:54:43.440 when they get really bad like that, they fix those first, 1136 00:54:43.800 --> 00:54:46.559 and that's all they're dealing with. But Colorado is a 1137 00:54:46.679 --> 00:54:51.199 joke when it comes to freaking the highways, it really is. 1138 00:54:51.360 --> 00:54:51.880 I agree. 1139 00:54:52.079 --> 00:54:53.159 Were do you in Georgia? 1140 00:54:53.159 --> 00:54:55.480 Where the roads good? You know? 1141 00:54:55.719 --> 00:54:58.320 I don't really remember. 1142 00:54:58.800 --> 00:55:02.119 I mean they seemed good. Yeah, But I've been out 1143 00:55:02.119 --> 00:55:04.840 here for like thirty five years though, So go ahead, Barry. 1144 00:55:04.920 --> 00:55:07.800 I grew up in Pennsylvania, and everything you're talking about 1145 00:55:08.119 --> 00:55:11.880 is not nearly as bad as it was decades ago. 1146 00:55:12.119 --> 00:55:12.199 Ye. 1147 00:55:12.440 --> 00:55:14.840 Still, Pennsylvania is even even. 1148 00:55:14.599 --> 00:55:16.039 Worse as if you grow up there. 1149 00:55:16.199 --> 00:55:17.519 Well, Ekespeare, Pennsylvania. 1150 00:55:17.679 --> 00:55:18.559 I don't know where that is. 1151 00:55:18.599 --> 00:55:23.599 Well, that's like fifteen miles from Scranton. Don't kick me out. 1152 00:55:23.639 --> 00:55:25.199 I know where that Scranton I was. 1153 00:55:25.360 --> 00:55:27.199 I lived in Westchester, PA. 1154 00:55:27.119 --> 00:55:29.840 For four years. I worked near there, Ridley Park. 1155 00:55:30.199 --> 00:55:32.400 Oh yeah, all right, everybody, hold tight, we're going to 1156 00:55:32.440 --> 00:55:35.440 come back. We're going to talk to a problem with 1157 00:55:35.719 --> 00:55:37.760 Oh wait, we're waiting on that. I have two lines 1158 00:55:37.800 --> 00:55:40.639 open three oh three seven one three eight two five five. 1159 00:55:40.679 --> 00:55:43.039 We want to hear from you any questions you have 1160 00:55:43.360 --> 00:55:46.199 three zero three seven one three talk. 1161 00:55:52.559 --> 00:55:55.840 Go with a sure thing Denver's best roofer Excel Roofing 1162 00:55:55.920 --> 00:55:58.559 dot com. You don't pay a cent until you're content. 1163 00:56:01.920 --> 00:56:05.119 Time for an insurance check up free no obligation. In comparison, 1164 00:56:05.239 --> 00:56:08.800 call Compass Insurance paying too much your coverage at dozens 1165 00:56:08.840 --> 00:56:11.559 of insurance companies find out now three O three seven 1166 00:56:11.559 --> 00:56:13.920 to seven to one help. You'll think you're his only 1167 00:56:14.000 --> 00:56:16.480 customer when you choose Frank durand the real estate Man 1168 00:56:16.519 --> 00:56:19.920 dot com to list your home with Remax Alliance three 1169 00:56:20.000 --> 00:56:22.039 oh three nine two zero sixteen twenty two. 1170 00:56:25.400 --> 00:56:27.960 Man, we are getting to the bottom of this insurance 1171 00:56:28.000 --> 00:56:31.239 one slowly, but surely. We've got some questions we want 1172 00:56:31.239 --> 00:56:36.000 to ask. Brian over at Compass Insurance, Suzanne send them 1173 00:56:36.039 --> 00:56:40.400 some stuff over, but really interesting stuff we have found 1174 00:56:40.639 --> 00:56:43.079 and we have all the numbers, and I'm pretty sure 1175 00:56:43.119 --> 00:56:46.719 we can put this together. Uh, but John Fuller found 1176 00:56:46.800 --> 00:56:50.280 some stuff. If you have gap insurance and paid for it, 1177 00:56:50.800 --> 00:56:55.800 when you hear the exclusions in this person's policy, you're 1178 00:56:55.800 --> 00:56:58.719 not gonna believe it. I mean, they're incredible. I don't 1179 00:56:58.719 --> 00:57:01.159 want to get into it until we get Brian on though, John. 1180 00:57:01.519 --> 00:57:04.159 But They're absolutely incredible. Now I do want to talk 1181 00:57:04.199 --> 00:57:07.079 to vest E as simple as that. Hey, Barry, when 1182 00:57:07.119 --> 00:57:11.360 did you start doing property deals? Be honest? Twenty three, 1183 00:57:11.519 --> 00:57:15.840 twenty oh three, and you basically find great little pockets 1184 00:57:15.880 --> 00:57:19.519 in the United States, of course of booming economies. 1185 00:57:19.639 --> 00:57:23.679 Heavy research, we find booming economies for the next three 1186 00:57:23.760 --> 00:57:26.639 or four years, not flashing the pans. H Yeah, there's 1187 00:57:26.679 --> 00:57:27.360 a different. 1188 00:57:27.119 --> 00:57:29.079 Give me an idea of one. I mean, maybe it's 1189 00:57:29.079 --> 00:57:30.840 not a current one, but give me an idea. And 1190 00:57:30.880 --> 00:57:34.360 why was it where you guys started looking for properties? 1191 00:57:34.440 --> 00:57:37.800 Well, Albuquerque, New Mexico was one of our hot spots. 1192 00:57:37.800 --> 00:57:39.480 I got If you told me to buy a place 1193 00:57:39.519 --> 00:57:42.400 in Albuquerque, I'd be terrified. Yeah, why is that? Though, 1194 00:57:42.440 --> 00:57:44.760 it's so undervalued, undervalued? 1195 00:57:44.880 --> 00:57:49.960 But the economy they were booming then we're talking six seven, eight, 1196 00:57:50.079 --> 00:57:53.360 got it, et cetera. Bringing jobs in. They have government 1197 00:57:53.519 --> 00:57:58.199 security jobs, they're in defense. Okay, okay, in the not military. 1198 00:57:58.239 --> 00:58:02.199 But Colorado Springs was a hot spot until AT priced 1199 00:58:02.199 --> 00:58:05.800 itself out just three years ago. AT price itself out. 1200 00:58:06.039 --> 00:58:07.199 So it doesn't matter. 1201 00:58:07.039 --> 00:58:10.719 If it's in I'm just using states, New York or Mississippi. 1202 00:58:10.159 --> 00:58:13.000 Doesn't matter. We have fifty states from which to choose. 1203 00:58:13.039 --> 00:58:18.880 We search everything, and you're looking for the hottest upcoming economy. 1204 00:58:18.920 --> 00:58:22.360 Hottest upcoming economy, I mean we're talking the top five 1205 00:58:22.440 --> 00:58:23.559 or six economies. 1206 00:58:23.639 --> 00:58:25.639 Then you find the property. 1207 00:58:25.760 --> 00:58:28.679 Then we find the neighborhoods, and then the property. 1208 00:58:28.679 --> 00:58:31.599 Now are the properties ever townhomes or condos or they're 1209 00:58:31.599 --> 00:58:34.639 always single family? What's what's or they're all the above? 1210 00:58:35.119 --> 00:58:39.440 Uh, single families ninety seven ninety eight percent. Yeah, we 1211 00:58:39.480 --> 00:58:42.039 have one now, but it's two hundred and fifty dollars 1212 00:58:42.039 --> 00:58:45.039 a month. HOA Ye for a two hundred and fifty 1213 00:58:45.119 --> 00:58:46.320 thousand dollars. 1214 00:58:45.960 --> 00:58:48.880 Property that's out of line. Yeah, it don't make money 1215 00:58:48.880 --> 00:58:51.480 on HOA. You're punching all this math when you're looking 1216 00:58:51.480 --> 00:58:53.679 for all of it. And then these properties that you 1217 00:58:53.719 --> 00:58:55.920 guys buy on behalf of the investor. 1218 00:58:56.039 --> 00:58:57.239 The investor buys them. 1219 00:58:57.320 --> 00:58:59.840 We don't, but I'm saying that you find I got 1220 00:59:00.159 --> 00:59:03.800 behalf of the investor. They're in good shape, ready to rent. 1221 00:59:03.880 --> 00:59:08.360 That we do the tip top shape, no deferred maintenance 1222 00:59:08.400 --> 00:59:09.239 for the next city. 1223 00:59:09.360 --> 00:59:12.079 We're not talking some fix and flip deal. 1224 00:59:12.239 --> 00:59:18.480 Opposite end of that. Cherry pick cherry picking the best properties. 1225 00:59:17.880 --> 00:59:20.119 So you find the house for me. Let's say it's me, 1226 00:59:20.719 --> 00:59:22.639 and then basically I buy the house. I can go 1227 00:59:22.679 --> 00:59:25.239 through a mortgage, I can pay cash whatever I buy. 1228 00:59:25.280 --> 00:59:26.000 All that for you. 1229 00:59:26.119 --> 00:59:30.760 We shot lenders, we shop property managers, everything. 1230 00:59:30.599 --> 00:59:32.960 So then you put that together and boom, I own 1231 00:59:33.000 --> 00:59:36.719 the house. Then you guys find someone that could manage 1232 00:59:36.760 --> 00:59:39.639 the property for a while, and they come in and 1233 00:59:39.719 --> 00:59:43.599 they rented out. They check the tenants, they know the rules, 1234 00:59:43.880 --> 00:59:45.880 they're in that area, and that's what they do. 1235 00:59:46.159 --> 00:59:49.400 Top managers we even oversee them, so you don't even 1236 00:59:49.480 --> 00:59:51.639 have to interface with them if you don't want so. 1237 00:59:51.719 --> 00:59:55.079 I collect my rent check every month, and then after 1238 00:59:55.480 --> 00:59:58.440 X amount of time, if I need the cash, I 1239 00:59:58.440 --> 01:00:00.239 could sell it the next week, I guess. 1240 01:00:00.159 --> 01:00:01.960 Or you could get a second loan on it at 1241 01:00:02.000 --> 01:00:04.079 any time. I mean, whatever I want with it, do 1242 01:00:04.159 --> 01:00:06.920 whatever you want to sell it, whatever I want fairly liquid, 1243 01:00:07.000 --> 01:00:07.880 is what I'm saying. 1244 01:00:07.960 --> 01:00:12.199 Yeah, there's no negotiations as far as I don't have 1245 01:00:12.239 --> 01:00:14.159 to contact you and I want to sell it either. 1246 01:00:14.400 --> 01:00:16.000 If I just want to sell it, I can. 1247 01:00:15.840 --> 01:00:20.079 Sell it anytime, anytime, anytime. 1248 01:00:19.639 --> 01:00:22.159 And you guys only charge what for everything we just 1249 01:00:22.199 --> 01:00:23.639 talked about. It's ridiculous. 1250 01:00:24.559 --> 01:00:27.800 The only direct fee our customers ever ever have an 1251 01:00:27.920 --> 01:00:31.159 option to pay us if they want to. Three hundred 1252 01:00:31.199 --> 01:00:32.800 and sixty dollars a year. 1253 01:00:32.920 --> 01:00:33.599 And what's that for. 1254 01:00:33.840 --> 01:00:37.360 That's for overseeing the property manager and giving you extra 1255 01:00:37.440 --> 01:00:40.960 economic reports, helping you decide when is a good time. 1256 01:00:41.000 --> 01:00:42.960 Okay, so I'm going to ask the base question. Man, 1257 01:00:43.639 --> 01:00:46.079 here's the base question. How do you make money? How 1258 01:00:46.119 --> 01:00:49.559 do we make money? Good question? Thank you, thank you, Mark, 1259 01:00:49.599 --> 01:00:50.239 good question. 1260 01:00:50.760 --> 01:00:53.360 Okay, when you buy a property, when you buy that 1261 01:00:53.519 --> 01:00:57.159 investment property, the real estate broker got paid on your 1262 01:00:57.199 --> 01:01:00.920 behalf got a percentile? Yeah, typically two and a half percent. 1263 01:01:00.960 --> 01:01:03.719 We're big advocates of that, not three. We think three 1264 01:01:03.840 --> 01:01:06.719 is gouging by the way, got it. But in any case, 1265 01:01:07.079 --> 01:01:10.039 two and a half. We get a big chunk of 1266 01:01:10.079 --> 01:01:15.760 that real tour's commission because we gave you to them, 1267 01:01:15.920 --> 01:01:16.840 We did the word. 1268 01:01:16.880 --> 01:01:18.639 But that's where the money's atten, right, that's where the 1269 01:01:18.679 --> 01:01:19.199 money is. 1270 01:01:19.239 --> 01:01:22.880 We get paid by the real estate broker who's your broker, 1271 01:01:23.239 --> 01:01:25.280 and they give us about half of the commission. 1272 01:01:25.519 --> 01:01:29.079 And then what is the success rate? You said, oh three, 1273 01:01:29.239 --> 01:01:32.960 so we're we're twenty four, twenty two years in give 1274 01:01:33.000 --> 01:01:34.119 me a success rate. 1275 01:01:34.519 --> 01:01:36.960 I'll give you the success rate for the most recent 1276 01:01:37.039 --> 01:01:39.800 five years. That's the most important five years. It was 1277 01:01:39.960 --> 01:01:43.800 very good prior to that, but kind of irrelevant historical, you. 1278 01:01:43.760 --> 01:01:45.920 Know, I mean coming after eight to ten. 1279 01:01:46.039 --> 01:01:48.079 Yeah, yeah, yeah, I mean you know, that was a 1280 01:01:48.079 --> 01:01:51.320 slow down there, et cetera. And we save people money 1281 01:01:51.360 --> 01:01:54.519 and they didn't lose money in those years. That was good. 1282 01:01:54.559 --> 01:01:59.599 But we reactivated it big time in twenty nineteen. We 1283 01:02:00.119 --> 01:02:04.039 do not have anyone anyone who has made less than 1284 01:02:04.079 --> 01:02:08.360 thirty to thirty five percent on whatever their annualized basis 1285 01:02:08.559 --> 01:02:12.360 of their cash. Cash on cash, keep it simple, cash 1286 01:02:12.400 --> 01:02:14.920 on cash. That's what we make more money on it. 1287 01:02:15.320 --> 01:02:20.039 This year twenty twenty four, no one was making less 1288 01:02:20.039 --> 01:02:23.079 than forty two to forty three percent on their money. 1289 01:02:23.199 --> 01:02:23.679 Wow. 1290 01:02:24.079 --> 01:02:27.679 So we have the track record. We have it clean. 1291 01:02:28.559 --> 01:02:31.960 It's nothing in Colorado, by the way, though, nothing in 1292 01:02:32.079 --> 01:02:33.719 Colorado to the top of the market. 1293 01:02:33.840 --> 01:02:39.800 We have certain guidelines that are proprietary that Colorado doesn't 1294 01:02:39.840 --> 01:02:42.000 meet because of our high prices. 1295 01:02:42.079 --> 01:02:44.880 So John, I was looking at a place in Nebraska, 1296 01:02:45.599 --> 01:02:49.320 in a little town called Scott's Bluff, and they had 1297 01:02:49.360 --> 01:02:53.760 some brand new duplexus. I think they were duplexes, but 1298 01:02:53.840 --> 01:02:57.039 they were big houses, two thousand square foot duplexus, and 1299 01:02:57.079 --> 01:02:59.239 I was singing a buying two of them, and I 1300 01:02:59.320 --> 01:03:02.159 sent you the huh And I said, Barry, I mean, 1301 01:03:02.199 --> 01:03:04.840 what do you think of this? Just the property? And 1302 01:03:04.920 --> 01:03:07.159 he basically emailed me back the next day a full 1303 01:03:07.199 --> 01:03:10.199 report on it, and the bottom line was, don't touch 1304 01:03:10.280 --> 01:03:12.440 it with a ten foot pole no matter what you do. 1305 01:03:12.719 --> 01:03:15.719 There's no economy out there. You know, the biggest that 1306 01:03:15.840 --> 01:03:19.119 there's like a sugar plant, and then there's Walmart, and 1307 01:03:19.159 --> 01:03:23.679 then there's basically everything in a nursing school, and it's 1308 01:03:23.719 --> 01:03:26.559 pretty much there's nothing going on there, and the market 1309 01:03:26.760 --> 01:03:29.920 is crazy to buy out there. That's fun investment profit. 1310 01:03:29.639 --> 01:03:32.119 Flat line instead of a big curve upward. 1311 01:03:32.400 --> 01:03:36.159 Yeah, flatline or less. Because those guys weren't even really 1312 01:03:36.159 --> 01:03:39.159 playing ball with what I was willing to offer, but 1313 01:03:39.159 --> 01:03:40.840 I was looking at buy in two. Look, I got 1314 01:03:40.840 --> 01:03:43.760 to take this break. But listen, Barry in the gang 1315 01:03:44.440 --> 01:03:48.119 this Saturday, ten am. It's only forty five minutes. 1316 01:03:48.199 --> 01:03:48.440 Huh. 1317 01:03:48.639 --> 01:03:50.960 But what if people say, I'll ask you after this 1318 01:03:51.000 --> 01:03:53.320 what they expect and then Michelle, we're going to dig 1319 01:03:53.360 --> 01:03:55.679 back to that. Listen, I do have some lines open. 1320 01:03:55.880 --> 01:03:59.079 Anybody out there has any questions three oh three seven 1321 01:03:59.159 --> 01:04:02.199 one three two fo We got our expert, Brian Burns. 1322 01:04:02.199 --> 01:04:04.920 We're gonna dig back into Michelle's and figure out why 1323 01:04:04.960 --> 01:04:07.960 she still has a loan for eight thousand dollars. I 1324 01:04:08.079 --> 01:04:11.639 love math, you know I love math, John, because it's 1325 01:04:11.719 --> 01:04:15.800 always correct. Math is always correct. There is a reason 1326 01:04:15.920 --> 01:04:19.599 Michelle still ows eight thousand, but yet her vehicle was 1327 01:04:19.639 --> 01:04:23.119 totaled and it appears as if she had proper coverage 1328 01:04:23.119 --> 01:04:25.880 through the gap insurance. There is a reason there, and 1329 01:04:25.880 --> 01:04:27.239 we're going to get to the bottom of it. 1330 01:04:32.039 --> 01:04:35.280 Go with a sure thing Denver's Best roofer Excel Roofing 1331 01:04:35.400 --> 01:04:38.039 dot com. You don't pay a cent until you're content 1332 01:04:38.960 --> 01:04:43.880 than time for an insurance check up free, no obligation. 1333 01:04:43.920 --> 01:04:47.760 In comparison, call Compass Insurance paying too much your coverage 1334 01:04:47.760 --> 01:04:50.440 at dozens of insurance companies find out now three oh 1335 01:04:50.480 --> 01:04:52.840 three seven to seven to one help. You'll think you're 1336 01:04:52.880 --> 01:04:55.400 his only customer when you choose Frank durand the real 1337 01:04:55.480 --> 01:04:58.480 estate Man dot com to list your home with Remax 1338 01:04:58.519 --> 01:05:02.159 Alliance three oh three to zero sixteen twenty two. 1339 01:05:02.360 --> 01:05:07.679 Yeah, ripped. 1340 01:05:08.920 --> 01:05:09.960 Bad news. 1341 01:05:10.880 --> 01:05:15.679 Need advice, so you don't have the come running just 1342 01:05:15.760 --> 01:05:21.559 as fast as we can. Show Shooter's gonna help coming. Man. 1343 01:05:21.760 --> 01:05:23.920 This is the Troubleshooter Show. 1344 01:05:24.559 --> 01:05:28.679 No Tom Martinez, Welcome, Welcome. 1345 01:05:28.320 --> 01:05:29.760 To the show, the only show of us time. We're 1346 01:05:29.800 --> 01:05:33.920 here to solve problems, answer questions, take your complaints. Three 1347 01:05:34.039 --> 01:05:36.400 oh three seven one three eight two five five. We've 1348 01:05:36.400 --> 01:05:39.199 got a great show going on here. If you have 1349 01:05:39.440 --> 01:05:43.639 any questions or have any problems, maybe a bad contractor 1350 01:05:44.000 --> 01:05:46.239 you want to expose, or maybe somebody we can help 1351 01:05:46.280 --> 01:05:49.039 you try to recoup some money, maybe a bad landlord. 1352 01:05:49.079 --> 01:05:51.519 You get the idea. That is what this show is about. 1353 01:05:52.000 --> 01:05:54.519 Over forty five years, Tommy boy has been doing this, 1354 01:05:54.679 --> 01:05:59.199 in fact, the longest running show with the same host 1355 01:06:00.199 --> 01:06:05.320 in the country. Yeah, that's a pretty impressive deal. Yeah, 1356 01:06:05.320 --> 01:06:07.039 I mean, what else did you say about that? Hey, 1357 01:06:07.079 --> 01:06:09.360 we've been digging in and I've got an expert at 1358 01:06:09.400 --> 01:06:11.920 Brian Burns by the way in studio with me, Deputy 1359 01:06:12.000 --> 01:06:16.280 Dmitri and then Barry Miller. He's with Vestera Turnkey And 1360 01:06:16.320 --> 01:06:19.360 if you have any questions on buying property being a landlord, 1361 01:06:19.559 --> 01:06:22.079 it's a great time to call. Honestly, he knows everything 1362 01:06:22.079 --> 01:06:25.119 about that. And then John Fuller assisting me to my 1363 01:06:25.239 --> 01:06:28.199 left ear attorney at law, friend of the show, friend 1364 01:06:28.280 --> 01:06:32.400 of ours, and he's a personal injury attorney. So Michelle 1365 01:06:32.440 --> 01:06:37.519 called in and interesting enough, her nephew was it her nephew, Hey, 1366 01:06:37.559 --> 01:06:42.000 Michelle's your nephew, right, Yes, he borrowed her car. He 1367 01:06:42.039 --> 01:06:45.320 lives with her and borrowed her car. He's only sixteen. 1368 01:06:45.760 --> 01:06:48.800 And I'm saying this recap for listeners and Brian burns 1369 01:06:49.519 --> 01:06:52.320 and he borrowed the car, took it, and he wrecked it, 1370 01:06:53.400 --> 01:06:56.440 and he wrecked the car. And on top of that, 1371 01:06:57.480 --> 01:07:01.280 All State Nohl State Farm paid out ten thousand dollars 1372 01:07:01.280 --> 01:07:05.039 for the car, so her finance company got to check 1373 01:07:05.119 --> 01:07:08.199 for ten grand, but she still ows eight. So there's 1374 01:07:08.239 --> 01:07:12.000 a lot of different pieces going on here, Brian. I'll 1375 01:07:12.000 --> 01:07:13.639 bring you in in a second, but some of the 1376 01:07:13.719 --> 01:07:17.400 other pieces going in out of that cell order John. 1377 01:07:17.519 --> 01:07:21.199 She bought that car for thirty thousand, and then she 1378 01:07:21.360 --> 01:07:26.519 spent four thousand dollars on a service plan, and then 1379 01:07:26.639 --> 01:07:31.119 she spent five hundred and something on the gap plan, 1380 01:07:31.599 --> 01:07:33.519 and then you add tax, and you had other stuff 1381 01:07:33.559 --> 01:07:40.599 like that, her gap insurance. Brian, if I had all 1382 01:07:40.679 --> 01:07:45.480 the exclusions. We might be here till Friday, but Dragon, 1383 01:07:45.679 --> 01:07:47.920 I want you to play some of them that John 1384 01:07:48.039 --> 01:07:50.559 read directly from her policy. 1385 01:07:51.039 --> 01:07:54.639 Total loss resulting from dwidui or any intentional act forgery, 1386 01:07:54.719 --> 01:07:58.159 or any criminal or illegal, intentional, willful, reckless, negligent, or 1387 01:07:58.199 --> 01:08:00.840 want an act committed by you or any authorized driver. 1388 01:08:01.000 --> 01:08:05.519 Loss resulting from war, whether or not declared, invasion, civil war, insurrection, rebellion, revolution, 1389 01:08:05.719 --> 01:08:09.559 civil commotion, disturbance, riot, or action taken by any governmental 1390 01:08:09.559 --> 01:08:10.920 authority in dealing with such. 1391 01:08:11.199 --> 01:08:14.719 Now, after John put that together for me during the break, 1392 01:08:15.360 --> 01:08:19.239 he found what another twenty things they don't cover. 1393 01:08:19.880 --> 01:08:21.800 I mean those were just the important ones. 1394 01:08:22.000 --> 01:08:24.520 Yeah, we just listened the one of course, because the 1395 01:08:24.560 --> 01:08:29.279 Trump insurrection. So I guess if you were a January sixth, 1396 01:08:29.359 --> 01:08:33.319 could happen. Yeah, it could happen. Now, I don't understand 1397 01:08:33.359 --> 01:08:35.920 the Civil war one. I guess if we break out 1398 01:08:35.960 --> 01:08:38.319 in the Civil war again, then no coverage. 1399 01:08:38.479 --> 01:08:43.319 You really have to distinguish between invasion, civil war, insurrection, rebellion, revolution, 1400 01:08:43.479 --> 01:08:46.760 and civil commotion, and those are all slightly different. 1401 01:08:46.920 --> 01:08:49.840 And I can tell you this if you're calling up 1402 01:08:51.199 --> 01:08:55.600 trying to get your car covered by GAP during any of. 1403 01:08:55.520 --> 01:08:58.079 Those things you're having a debate about whether it was 1404 01:08:58.199 --> 01:08:59.680 revolution or civil commotion. 1405 01:09:00.000 --> 01:09:04.000 You know, I don't even know like how they do these, 1406 01:09:04.039 --> 01:09:06.159 but the first ones, let's go right to the fact 1407 01:09:06.159 --> 01:09:08.960 that I'm gonna ask Brian Burn some questions. But really 1408 01:09:09.000 --> 01:09:12.560 the first one is if you do anything wrong. I mean, 1409 01:09:12.600 --> 01:09:15.319 basically it alludes to if you run a stop sign, 1410 01:09:15.399 --> 01:09:16.399 you have no coverage. 1411 01:09:16.760 --> 01:09:20.039 Well, I mean, listen, here's the deal about GAP insurance. 1412 01:09:20.159 --> 01:09:24.319 They write this stuff with the hope that should anything happen, 1413 01:09:24.359 --> 01:09:26.680 they never have to pay. I mean, they didn't set 1414 01:09:26.720 --> 01:09:29.119 out to put this policy in effect so that they 1415 01:09:29.159 --> 01:09:30.159 can pay out any. 1416 01:09:29.960 --> 01:09:32.319 Type don't have to make money. Yeah, and so. 1417 01:09:32.319 --> 01:09:35.279 They've tried to exclude. Now, let's just be honest about 1418 01:09:35.279 --> 01:09:38.159 what we're dealing with. We had an unlicensed driver that 1419 01:09:38.399 --> 01:09:42.039 wasn't supposed to be out there, that committed criminal quote 1420 01:09:42.119 --> 01:09:46.239 unquote acts that he was charged with by causing this accident. 1421 01:09:46.720 --> 01:09:50.600 And so in that first line where you talk about 1422 01:09:51.119 --> 01:09:54.840 you know that he was he committed illegal acts, he 1423 01:09:54.880 --> 01:09:59.560 committed negligence. I mean, they've got the grounds to deny 1424 01:10:00.199 --> 01:10:02.520 this lady the coverage that she bought and paid for 1425 01:10:02.640 --> 01:10:06.000 multiple reasons unless she was completely not at fault for 1426 01:10:06.079 --> 01:10:06.720 the accident. 1427 01:10:06.840 --> 01:10:07.159 Okay. 1428 01:10:07.159 --> 01:10:09.479 And then when I say less she, I mean she 1429 01:10:09.760 --> 01:10:12.920 or any authorized driver, which this kid was. Yeah, okay, 1430 01:10:13.479 --> 01:10:16.920 unless she's completely without fault. I read this contract to 1431 01:10:17.000 --> 01:10:19.920 mean that they have no liability. Well let me let 1432 01:10:19.960 --> 01:10:20.960 me let's go to this. 1433 01:10:21.960 --> 01:10:27.800 When you talk about permissible, she's saying he didn't have permission, 1434 01:10:28.680 --> 01:10:31.560 But we asked her, has he driven the car before? 1435 01:10:31.600 --> 01:10:34.359 And Michelle, you're there, you said yes, he has so 1436 01:10:34.760 --> 01:10:39.199 explain to people, John, why even if he borrowed it 1437 01:10:39.399 --> 01:10:44.600 later right that it would be there was permission. 1438 01:10:44.680 --> 01:10:48.279 So we deal with this sometimes where you know, we 1439 01:10:48.279 --> 01:10:51.239 we get into whether or not somebody is a permissive driver, 1440 01:10:51.439 --> 01:10:54.119 and if they're a permissive driver, then the coverage of 1441 01:10:54.159 --> 01:10:56.960 the owner is going to apply to the permissive driver. 1442 01:10:57.359 --> 01:10:59.560 In some Saints it's not like that, and they go 1443 01:10:59.600 --> 01:11:04.520 to their own insurance first, but in Colorado we we default. 1444 01:11:04.079 --> 01:11:05.439 To the owner's insurance. 1445 01:11:05.680 --> 01:11:09.319 So the rule in Colorado is basically, if you've ever 1446 01:11:09.439 --> 01:11:13.199 been a permissive driver, you're always a permissive driver. 1447 01:11:13.359 --> 01:11:16.399 But in this case, the kid did he I just 1448 01:11:16.439 --> 01:11:18.880 really want to go down this. I mean, he broke 1449 01:11:18.960 --> 01:11:21.720 every other rule to every rule but just on this one. 1450 01:11:22.239 --> 01:11:26.479 If if he he never drove the car with a license, 1451 01:11:26.720 --> 01:11:30.760 he drove it with who, your your daughter or somebody Michelle, Yes, 1452 01:11:30.800 --> 01:11:31.760 he's drove with my daughter. 1453 01:11:31.840 --> 01:11:34.399 She is a driver's bcen. She just have a driver's bycense. 1454 01:11:34.920 --> 01:11:37.439 And I also wanted to say that that day he 1455 01:11:37.520 --> 01:11:39.399 took my car, I was in the shower, right, I 1456 01:11:39.399 --> 01:11:39.920 didn't even know. 1457 01:11:40.279 --> 01:11:42.760 I understand you had to you he might as well 1458 01:11:42.800 --> 01:11:43.439 stole the car. 1459 01:11:43.560 --> 01:11:46.640 But let's let's just say that the roles were reversed 1460 01:11:47.199 --> 01:11:49.920 and and he wasn't at fault for the accident. And 1461 01:11:50.039 --> 01:11:52.880 you would say, so what if he doesn't have a license. 1462 01:11:52.920 --> 01:11:55.560 The other person was was at fault. They should be 1463 01:11:55.600 --> 01:11:58.119 responsible for paying it. And we're not going to let 1464 01:11:58.159 --> 01:12:00.640 him get out by saying he didn't have a license. Okay, 1465 01:12:00.800 --> 01:12:02.960 So it's good for the goose, it's good for the gander. 1466 01:12:03.199 --> 01:12:05.319 I'm okay with the fact that he's a permissive driver. 1467 01:12:05.680 --> 01:12:10.199 My whole point is, under this contract, I think they 1468 01:12:10.239 --> 01:12:12.239 can look at two or three of these provisions and 1469 01:12:12.279 --> 01:12:14.199 say this gives us the legal out. 1470 01:12:14.439 --> 01:12:16.359 Does it not have it if you break the law? 1471 01:12:16.680 --> 01:12:20.279 Yeah, if you're negligent, Well, hell, that's the definition of 1472 01:12:20.319 --> 01:12:21.560 being at fault for any. 1473 01:12:21.399 --> 01:12:24.960 Act wear in someone run a stop sign if you're negligent. 1474 01:12:25.039 --> 01:12:27.439 Think about that. So basically what it comes down to. 1475 01:12:27.479 --> 01:12:29.319 And I want you to keep holding on, Michelle, hold 1476 01:12:29.359 --> 01:12:31.760 on now. I want to bring up Brian Burns. Brian, 1477 01:12:32.119 --> 01:12:34.479 real quick, I want you to listen to this. I 1478 01:12:34.520 --> 01:12:36.520 know you heard it, but I got to play it again. Dragon. 1479 01:12:36.560 --> 01:12:37.640 Would you hit that again? 1480 01:12:42.600 --> 01:12:46.239 Total loss resulting from DWI dui or any intentional act forgery, 1481 01:12:46.279 --> 01:12:49.760 or any criminal or illegal, intentional, willful, reckless, negligent or 1482 01:12:49.800 --> 01:12:52.439 want an act committed by you or any authorized driver. 1483 01:12:52.600 --> 01:12:57.319 Loss resulting from war, whether or not declared invasion, civil war, insurrection, rebellion, revolutions, 1484 01:12:57.319 --> 01:13:00.479 civil commotion, disturbance, riot, or action. Take it by inner 1485 01:13:00.640 --> 01:13:02.279 governmental authority in dealing with. 1486 01:13:02.279 --> 01:13:06.880 Such So, Brian, simple question, you know. And by the way, 1487 01:13:07.039 --> 01:13:10.439 he found another paragraph of things like that that we 1488 01:13:10.479 --> 01:13:12.800 didn't have time to get on there. I mean, is 1489 01:13:12.840 --> 01:13:16.600 gap insurance just one hundred percent a joke? Or is 1490 01:13:16.640 --> 01:13:20.159 there some companies that actually sell you gap insurance where 1491 01:13:20.199 --> 01:13:23.600 this particular thing would be covered or are all of 1492 01:13:23.640 --> 01:13:26.760 them only covering like this one it appears to do. 1493 01:13:27.279 --> 01:13:29.920 Is if you get hit by somebody else and you 1494 01:13:30.039 --> 01:13:34.000 have no negligence at all. It literally says if you're negligent, 1495 01:13:34.520 --> 01:13:35.319 they haven't out. 1496 01:13:36.279 --> 01:13:39.359 Yeah, I Suzanne sent me over the actual contract, so 1497 01:13:39.479 --> 01:13:42.399 I read that. First off. I'm shocked that it's great radio. 1498 01:13:42.399 --> 01:13:45.319 If John just wants to read every single exclusion on there, 1499 01:13:45.319 --> 01:13:46.479 it'd be really interesting to hear. 1500 01:13:46.600 --> 01:13:49.279 Well, I'm going to have them start doing voiceovers for 1501 01:13:49.479 --> 01:13:51.319 our investment companies. 1502 01:13:52.880 --> 01:13:56.119 No, I will tell you. I obviously all the insurance 1503 01:13:56.119 --> 01:13:59.840 companies offer some sort of loan or lease gap. I 1504 01:14:00.199 --> 01:14:03.680 pulled one up just at random to look. There's not 1505 01:14:03.800 --> 01:14:10.000 even close to the number of exclusions listed. I've never 1506 01:14:10.119 --> 01:14:13.680 seen one where it has an exclusion for basically, if 1507 01:14:13.720 --> 01:14:15.399 you're at fault in an accident, they're not going. 1508 01:14:15.319 --> 01:14:15.760 To cover it. 1509 01:14:15.840 --> 01:14:16.600 That's exactly. 1510 01:14:16.840 --> 01:14:17.680 It is exactly. 1511 01:14:18.600 --> 01:14:20.880 I've never seen that. I will tell you on the 1512 01:14:20.880 --> 01:14:24.000 flip side, just to be fair, Well. 1513 01:14:23.760 --> 01:14:26.199 Hold on, hold on, Brian, I want to I want 1514 01:14:26.520 --> 01:14:28.840 John to tell you something to go to the rust 1515 01:14:28.880 --> 01:14:30.560 and stuff. Wasn't that on there? 1516 01:14:31.479 --> 01:14:31.760 Oh? 1517 01:14:31.840 --> 01:14:36.079 Well, I mean that's they started talking about the total 1518 01:14:36.119 --> 01:14:39.479 loss caused by the following wear and tear gradual deterioration 1519 01:14:39.640 --> 01:14:47.319 obsolescent rust, corrosion, latent defects, inherent failures, freezing, overheating, you know, nuclear. 1520 01:14:47.600 --> 01:14:52.439 I mean, everything is an inherent failure, that's anything. 1521 01:14:52.880 --> 01:14:59.800 Yeah, Chevrolet, Well, I'll tell you that a loaner least 1522 01:15:00.239 --> 01:15:02.439 is going to follow the language of an auto policy, 1523 01:15:02.560 --> 01:15:04.079 and auto policies are. 1524 01:15:04.000 --> 01:15:07.680 Going to exclude wear and tear. In general. You're not 1525 01:15:07.720 --> 01:15:09.720 going to see any auto policy cover you for that 1526 01:15:09.800 --> 01:15:12.279 kind of damage or mechanical or anything like that. So 1527 01:15:12.319 --> 01:15:15.079 the loaner lease gap coverage would follow suit. 1528 01:15:15.159 --> 01:15:17.840 Yeah, but the only reason this cover, really, the only 1529 01:15:17.920 --> 01:15:20.960 reason gap is there, is to help you pay the 1530 01:15:21.000 --> 01:15:21.439 loan off. 1531 01:15:21.600 --> 01:15:22.960 It's really just for accidents. 1532 01:15:23.039 --> 01:15:26.079 Nobody cares about all that other war and commissioner cares. 1533 01:15:26.159 --> 01:15:29.039 We're just talking accidents. But I've never personally seen one 1534 01:15:29.079 --> 01:15:31.920 that excludes an accident that you were at full time. 1535 01:15:31.920 --> 01:15:34.920 Either, So you don't have the ones you sell. Basically, 1536 01:15:35.119 --> 01:15:37.880 if you run into a rock and it gets totaled, 1537 01:15:37.920 --> 01:15:40.479 you're going to get your gap insurance of course. 1538 01:15:40.600 --> 01:15:43.279 Now, but what I was trying to go with being fair, 1539 01:15:43.840 --> 01:15:47.199 this policy, as far as I could read, would actually 1540 01:15:47.239 --> 01:15:51.000 cover the carryover that she had on the loan, and 1541 01:15:51.119 --> 01:15:53.439 most loaner lease gaps will not do that. 1542 01:15:53.520 --> 01:15:55.239 Yeah, but it doesn't cover anything. 1543 01:15:55.399 --> 01:15:58.119 Basically, it covers up to one hundred and fifty percent 1544 01:15:58.159 --> 01:16:01.000 of the basically the MSR at this at the time 1545 01:16:01.039 --> 01:16:04.119 of the sale, which is great. But and it doesn't 1546 01:16:04.119 --> 01:16:06.119 even have a sliding scale, which is great. But if 1547 01:16:06.119 --> 01:16:08.560 they don't cover it because of your negligence, then who 1548 01:16:08.600 --> 01:16:09.239 cares about that? 1549 01:16:09.399 --> 01:16:09.920 Agree with you? 1550 01:16:10.039 --> 01:16:10.239 Yeah? 1551 01:16:10.359 --> 01:16:13.199 And they never for people listening out there, they never 1552 01:16:13.399 --> 01:16:16.039 ever cover the mop and glow. You buy a four 1553 01:16:16.079 --> 01:16:19.720 thousand dollars service policy like she did you buy you know, 1554 01:16:19.920 --> 01:16:23.520 two hundred dollars windshield and five hundred dollars key and 1555 01:16:23.760 --> 01:16:27.039 undercoating and all that other crap. Uh, none of that's 1556 01:16:27.039 --> 01:16:33.560 covered zero. That's crazy, Brian. I've just never seen one 1557 01:16:33.720 --> 01:16:37.560 that there's no coverage. So Michelle, I'm hoping you understand 1558 01:16:37.560 --> 01:16:42.479 where you sit, you have no coverage. Yeah, it sucks, 1559 01:16:42.520 --> 01:16:43.600 doesn't it? 1560 01:16:43.600 --> 01:16:45.840 It really does? Because I post full time. I thought 1561 01:16:45.880 --> 01:16:48.239 I got full coverage insurance. I had the gap that 1562 01:16:48.319 --> 01:16:50.399 get you made it sound like gaps like for sure, 1563 01:16:50.520 --> 01:16:53.760 like something you I should get and four nesting pretty much. 1564 01:16:53.760 --> 01:16:57.560 I guess market shucks because she went through all the 1565 01:16:57.600 --> 01:17:00.560 steps to cover her ass and cover her I know 1566 01:17:01.119 --> 01:17:02.319 she's totally screwed. 1567 01:17:02.600 --> 01:17:04.840 They slim Flammer and Michelle. 1568 01:17:04.920 --> 01:17:08.520 I'm gonna give you some advice, and it's real world advice. 1569 01:17:09.199 --> 01:17:12.000 You now owe eight thousand dollars on a vehicle you 1570 01:17:12.039 --> 01:17:14.319 don't have, and you have zero money to go towards 1571 01:17:14.359 --> 01:17:18.199 a vehicle, right right right, there's gonna be places out 1572 01:17:18.199 --> 01:17:21.119 there that are gonna turn that into negative equity. They're 1573 01:17:21.159 --> 01:17:24.319 gonna sell you a car for ten thousand dollars more 1574 01:17:24.680 --> 01:17:27.439 than what that car's worth. Okay, because you really have 1575 01:17:27.560 --> 01:17:30.560 no money, So you're you're gonna walk into something very 1576 01:17:30.600 --> 01:17:34.640 high interest rate, very high overpriced. And the reason I 1577 01:17:34.720 --> 01:17:36.600 know what's gonna happen because I saw what you paid 1578 01:17:36.600 --> 01:17:39.840 for this one. I mean, you're you're your prime for picking. 1579 01:17:40.159 --> 01:17:44.079 You gotta like you gotta get I don't know. I 1580 01:17:44.119 --> 01:17:47.159 mean you probably just need help negotiating on the vehicle. 1581 01:17:47.560 --> 01:17:49.800 Do you have actual money you can put down on 1582 01:17:49.840 --> 01:17:50.319 a vehicle? 1583 01:17:50.359 --> 01:17:52.000 Now? Yes, I do. 1584 01:17:52.319 --> 01:17:53.720 I mean I've gotten another one. 1585 01:17:54.199 --> 01:17:55.920 Oh good, what did you end up getting? 1586 01:17:56.760 --> 01:18:00.199 I got to do Dodge Drango twenty twenty five. That's 1587 01:18:00.199 --> 01:18:03.359 when needs dot or so they needed a vehicle. So 1588 01:18:03.600 --> 01:18:06.640 I got that vehicle and it's fine for now. I'm 1589 01:18:06.680 --> 01:18:09.159 just as upset about the whole issuing. 1590 01:18:09.279 --> 01:18:12.760 No, you know what sucks man, that dealership. In my opinion, 1591 01:18:12.840 --> 01:18:15.439 did you wrong? Did you wrong big time? Because I've 1592 01:18:15.479 --> 01:18:18.560 been in those rooms. We've all been in those closing rooms. 1593 01:18:18.600 --> 01:18:23.880 It's like it's like Thunderdome. I mean, really, you show up, 1594 01:18:23.920 --> 01:18:26.399 you go in there and they're like, here's a sign here. 1595 01:18:26.720 --> 01:18:29.079 Oh and you need this. I mean by the time 1596 01:18:29.159 --> 01:18:33.039 you're saying, they just wear you down. At some point 1597 01:18:33.079 --> 01:18:35.399 they want to sell you something or else. The closer 1598 01:18:35.720 --> 01:18:37.680 isn't making his money and he's not going to have 1599 01:18:37.720 --> 01:18:39.880 a job. The whole thing is set up to be 1600 01:18:39.960 --> 01:18:43.520 a pressure machine, one hundred percent of pressure machine, and 1601 01:18:43.560 --> 01:18:47.840 that's what happens. They lie to you. Now, Now, you 1602 01:18:47.880 --> 01:18:51.159 should have read that policy and saw that you would 1603 01:18:51.199 --> 01:18:54.199 have no coverage for everything we read plus a lot more. 1604 01:18:54.479 --> 01:18:57.039 But you didn't. So that's what they can hang their 1605 01:18:57.079 --> 01:18:59.680 hat on. But I realized the guy or the gal 1606 01:19:00.079 --> 01:19:02.279 on the other side of the desk was like, oh, 1607 01:19:02.520 --> 01:19:05.000 you definitely need that. If you don't have gap coverage 1608 01:19:05.159 --> 01:19:07.920 and anything ever happens, you know it could ruin your 1609 01:19:07.920 --> 01:19:10.399 life and blah blah blah. Dmitri, Hey, Mark. 1610 01:19:10.239 --> 01:19:12.520 I looked up the you know, I looked up the 1611 01:19:12.840 --> 01:19:15.239 retail value of this car in cars dot com with 1612 01:19:15.319 --> 01:19:18.199 the updated mileage of one hundred ten thousand miles, and 1613 01:19:18.239 --> 01:19:20.840 it's still about fifteen thousand bucks. Okay, I want to 1614 01:19:20.880 --> 01:19:23.720 do one Courchelle should should try to get some more 1615 01:19:23.720 --> 01:19:26.800 money from her primary insurance company, so Brian. 1616 01:19:26.920 --> 01:19:30.960 That goes back to Brian. So, because that's her insurance company, 1617 01:19:31.399 --> 01:19:34.680 they paid the loan off to the tune of roughly 1618 01:19:34.800 --> 01:19:37.920 ten thousand. She still has eight. Can she go back 1619 01:19:37.960 --> 01:19:38.840 and ask for more? 1620 01:19:40.159 --> 01:19:42.239 Yeah? So that's where I'm sorry to meet you. I 1621 01:19:42.359 --> 01:19:45.079 was thinking the exact same thing as him. Aside from 1622 01:19:45.119 --> 01:19:48.479 the terrible gap policy, which I agree with you, I'm 1623 01:19:48.520 --> 01:19:51.199 not thinking that ten thousand dollars was a fair subtle ye. 1624 01:19:51.239 --> 01:19:53.960 It was actually like twelve to be just to be fair, 1625 01:19:54.439 --> 01:19:56.600 and twelve I think was a total on that. 1626 01:19:57.039 --> 01:20:00.800 Let's do Suzanne. Hold on, Brian, let me take this. 1627 01:20:00.920 --> 01:20:02.239 Can you still hang a second? 1628 01:20:02.800 --> 01:20:03.079 Sure? 1629 01:20:03.199 --> 01:20:05.279 Yeah, hold on, let me get everybody on hold here. 1630 01:20:05.479 --> 01:20:07.359 I would like to get a real value of that 1631 01:20:07.479 --> 01:20:10.239 vehicle and no offense there, but I've got a guy, 1632 01:20:10.279 --> 01:20:12.600 that's all he does for a living, and I want 1633 01:20:12.640 --> 01:20:15.199 to see it for five hundred bucks because that's what 1634 01:20:15.279 --> 01:20:18.239 they charge at petty details if they would go into 1635 01:20:18.279 --> 01:20:21.479 the appraisal clause or if it's not even worth it. 1636 01:20:21.520 --> 01:20:22.319 I mean, I just don't. 1637 01:20:22.319 --> 01:20:24.399 Even if you pick up a couple grand, it's still 1638 01:20:24.520 --> 01:20:25.239 huge for her. 1639 01:20:25.439 --> 01:20:29.720 So it's total BS. So that they sold her that 1640 01:20:29.840 --> 01:20:32.600 gap policy, you know, out of that five hundred bucks, 1641 01:20:32.720 --> 01:20:35.079 I bet you, hey, Brian, real quick. I mean, I'm 1642 01:20:35.079 --> 01:20:38.479 going to get killed by dragon. But listen, when they 1643 01:20:38.560 --> 01:20:41.079 sell a policy like that, I think at cost her 1644 01:20:41.079 --> 01:20:43.039 what was it, John five and a quarter? It was 1645 01:20:43.079 --> 01:20:46.600 five hundred and thirty bucks at thirteen point two percent interest. Yeah, 1646 01:20:46.640 --> 01:20:49.199 that's true. But let's take let's just take the price 1647 01:20:49.239 --> 01:20:52.920 of the policy. I mean, really, Brian, how much do 1648 01:20:53.000 --> 01:20:55.079 they make off that? What do you think the dealer 1649 01:20:55.199 --> 01:20:56.319 shade makes at least? 1650 01:20:57.279 --> 01:21:00.199 Yeah, I would say I would agree with that. I 1651 01:21:00.239 --> 01:21:04.119 would think that would be well, I'm just saying even 1652 01:21:04.119 --> 01:21:06.840 the guy that's the finance person is making money off 1653 01:21:06.840 --> 01:21:10.319 of that. It's those extras at the end, in my opinion, 1654 01:21:10.560 --> 01:21:12.319 are a terrible value. 1655 01:21:12.520 --> 01:21:14.760 Oh my god, you're paying like John just said, you're 1656 01:21:14.800 --> 01:21:18.720 paying fourteen percent interest or whatever the interest rates on every. 1657 01:21:18.479 --> 01:21:18.880 Bit of it. 1658 01:21:19.680 --> 01:21:19.880 Yep. 1659 01:21:20.159 --> 01:21:23.439 And honestly, when they have like zero percent interest, like 1660 01:21:23.520 --> 01:21:26.359 through Chevy or a Honda still paying. You still pay 1661 01:21:26.399 --> 01:21:29.520 interest on that stuff if you roll it in. But anyhow, 1662 01:21:29.520 --> 01:21:31.399 hold on, Brian, hold on, hold on. This is an 1663 01:21:31.439 --> 01:21:36.000 important conversation for people. And then Tarzan, Now wait a minute, Suzanne, 1664 01:21:36.079 --> 01:21:37.399 is that really someone's name? 1665 01:21:38.039 --> 01:21:41.119 I I'm sure I heard him right. You know my 1666 01:21:41.159 --> 01:21:42.119 ears are a little free of. 1667 01:21:42.119 --> 01:21:45.199 Course for title company. We've got a great uh, it 1668 01:21:45.439 --> 01:21:48.079 won't be able to help him. We've got a great attorney. 1669 01:21:48.159 --> 01:21:52.279 And then Marc guess what what that scam guy James 1670 01:21:52.680 --> 01:21:53.399 Oh from. 1671 01:21:53.239 --> 01:21:56.479 This morning just saw call her back? Hold on, Okay, 1672 01:21:56.960 --> 01:21:58.439 did something happen? 1673 01:21:58.520 --> 01:22:01.439 Then he called the call back after we hung up. 1674 01:22:01.520 --> 01:22:05.159 Ooh, that's gonna be juicy. Back on, that's gonna be juicy. 1675 01:22:05.239 --> 01:22:06.439 We'll recap. 1676 01:22:11.880 --> 01:22:15.159 Go with a sure thing Denver's Best roofer Excel Roofing 1677 01:22:15.239 --> 01:22:15.800 dot com. 1678 01:22:15.840 --> 01:22:17.880 You don't pay a cent until you're content. 1679 01:22:21.239 --> 01:22:24.439 Time for an insurance check up, free no obligation comparison 1680 01:22:24.560 --> 01:22:28.119 call Compass Insurance paying too much your coverage at dozens 1681 01:22:28.119 --> 01:22:30.880 of insurance companies. Find out now three oh three seven 1682 01:22:30.960 --> 01:22:33.800 seven to one help. You'll think you're his only customer 1683 01:22:33.800 --> 01:22:36.079 when you choose Frank durand the real estate man dot 1684 01:22:36.079 --> 01:22:39.439 com to list your home with Remax Alliance three oh 1685 01:22:39.439 --> 01:22:41.399 three nine two zero sixteen twenty two. 1686 01:22:42.119 --> 01:22:49.840 All right, three oh three seven one three eight two 1687 01:22:49.920 --> 01:22:51.760 five five. We got a couple lines open three oh 1688 01:22:51.800 --> 01:22:54.439 three seven one three eight two five five, Susanne, I 1689 01:22:54.479 --> 01:22:57.359 assume we could not get on Petty details. He's not 1690 01:22:57.479 --> 01:22:57.920 calling back. 1691 01:22:58.000 --> 01:23:00.319 Oh my bad, I got busy. Just do you have 1692 01:23:00.319 --> 01:23:01.399 Brian Burns on though. 1693 01:23:01.399 --> 01:23:03.199 Yeah, try to get him on. What I want to 1694 01:23:03.199 --> 01:23:08.279 figure out is the actual value of her car. I 1695 01:23:08.359 --> 01:23:12.039 want to see if the insurance company paid. He'll be 1696 01:23:12.079 --> 01:23:13.600 able to help me. Let's just see if we can 1697 01:23:13.640 --> 01:23:16.359 get Petty on and then, Brian, I want to thank 1698 01:23:16.399 --> 01:23:19.319 you for coming on. And I'm glad your gap insurance. 1699 01:23:19.359 --> 01:23:21.159 I was going to raise a little hell with you 1700 01:23:21.600 --> 01:23:23.840 if all the policies were like that. So I was 1701 01:23:23.880 --> 01:23:28.159 really glad hearing that the policies you sell, you know, 1702 01:23:28.560 --> 01:23:31.920 this particular case might have not been covered because the 1703 01:23:32.000 --> 01:23:35.720 kid you know, borrowed the car without permission and some 1704 01:23:35.880 --> 01:23:40.720 other stuff, but generally speaking, your policies, your gap policies, 1705 01:23:40.800 --> 01:23:43.920 you guys sell would cover if you're at fault. 1706 01:23:44.399 --> 01:23:47.680 Of course. Yeah, that that is a crazy clause that 1707 01:23:47.760 --> 01:23:49.119 I have not seen before. 1708 01:23:49.520 --> 01:23:54.840 What's the worst what's the most egregious out you have seen? 1709 01:23:54.960 --> 01:23:58.359 Not necessarily on gap, but like I don't know, on 1710 01:23:58.399 --> 01:24:01.920 the homeowners. Have you seen one that you personally thought 1711 01:24:02.000 --> 01:24:04.520 was horrible and there was nothing you could do about 1712 01:24:04.520 --> 01:24:07.319 it and it was a big dollar amount. 1713 01:24:09.880 --> 01:24:13.960 I mean, even like the one that you know, specifically yours. 1714 01:24:14.000 --> 01:24:17.439 Whenever I've seen more than one of those where there's 1715 01:24:17.439 --> 01:24:19.760 a flood endorsement on a policy. 1716 01:24:20.000 --> 01:24:21.720 Yeah, and then they don't pay. 1717 01:24:21.560 --> 01:24:24.199 It, declined it couldn't They say it was not flood 1718 01:24:24.199 --> 01:24:26.800 even though it's water coming in that that's a pretty 1719 01:24:26.880 --> 01:24:29.960 obvious one that I think is just a ridiculous argument. 1720 01:24:30.039 --> 01:24:31.680 Yeah, but I got it paid. I had to. I 1721 01:24:31.680 --> 01:24:33.840 had to get Matt involved, but he got me paid. 1722 01:24:34.399 --> 01:24:37.920 So listen to this, John, I had safe co. I've 1723 01:24:37.960 --> 01:24:40.720 got just the best insurance you can buy, and then 1724 01:24:40.760 --> 01:24:43.439 I add the flood on it. You know, the flood's cheap. 1725 01:24:43.479 --> 01:24:46.199 I mean, the chances of me flooding are very little. 1726 01:24:46.439 --> 01:24:50.920 So what happened is it was summer and hailstorm hal season. 1727 01:24:51.840 --> 01:24:55.920 It piled up on my deck, which is a cement patio, 1728 01:24:56.039 --> 01:24:59.600 but it's off the air, and we add about three 1729 01:24:59.680 --> 01:25:03.840 feet of hail up against my glass sliding door going 1730 01:25:03.880 --> 01:25:06.960 into my house. We were out of town in our RV. 1731 01:25:07.800 --> 01:25:10.359 We get a video from my daughter who showed up 1732 01:25:10.479 --> 01:25:14.319 the next day. Our entire kitchen floor, all of our 1733 01:25:14.399 --> 01:25:18.359 hardwood was damaged because it was so much water because 1734 01:25:18.399 --> 01:25:21.199 it was melting as quick as it was coming down 1735 01:25:21.279 --> 01:25:24.199 ran into the house. So I was like, I called 1736 01:25:24.239 --> 01:25:26.800 up Brian. I said, there was no way I would 1737 01:25:26.840 --> 01:25:29.119 ever thought I would have used that two hundred and 1738 01:25:29.119 --> 01:25:32.880 fifty dollars flood rider or whatever it was they said. 1739 01:25:33.079 --> 01:25:34.520 They said it wasn't covered because. 1740 01:25:34.439 --> 01:25:35.880 They said it wasn't a flood. 1741 01:25:35.960 --> 01:25:36.880 It came from the sky. 1742 01:25:37.199 --> 01:25:39.760 Yeah, because they how they defined a flood. It could 1743 01:25:39.760 --> 01:25:41.840 come from the sky, but it had to come in 1744 01:25:41.920 --> 01:25:42.600 on the ground. 1745 01:25:42.880 --> 01:25:46.479 But there's like a distinction between groundwater and the rain 1746 01:25:46.600 --> 01:25:48.720 or hail or whatever. I mean, that's kind of like 1747 01:25:49.239 --> 01:25:52.359 down in you know, the hurricane zones. I mean, everybody 1748 01:25:52.399 --> 01:25:56.000 has wind homeowners and flood and flood and they all 1749 01:25:56.039 --> 01:25:58.920 point fingers at each other. Nobody ever just said yep, 1750 01:25:58.960 --> 01:26:02.479 that's our loss. So I call up Matt with Paragon. 1751 01:26:02.520 --> 01:26:06.359 He's a public adjuster, and he comes out and well, actually, 1752 01:26:06.399 --> 01:26:08.239 I send him the policy over and then send him 1753 01:26:08.279 --> 01:26:11.560 the video. He goes, you're covered, and I'm like, he goes, listen, 1754 01:26:11.560 --> 01:26:14.319 I'll just get involved, get it done. So he demanded 1755 01:26:14.359 --> 01:26:17.680 an adjuster, came out. The adjuster came out and agreed 1756 01:26:17.720 --> 01:26:20.000 to it. They took they took fault, and I said, well, 1757 01:26:20.000 --> 01:26:23.359 how come, how come we had to bring it to 1758 01:26:23.399 --> 01:26:26.119 this level? He goes. The funny part is they know 1759 01:26:26.239 --> 01:26:28.600 this and it happens a lot. Yeah, they might have 1760 01:26:28.680 --> 01:26:30.720 had an out in there, if you read it, they 1761 01:26:30.800 --> 01:26:32.840 might have had an out right. But he goes, you 1762 01:26:32.880 --> 01:26:35.199 get an attorney involved, and they know this because they 1763 01:26:35.239 --> 01:26:38.199 already know you're the kind of guy who's gonna lose. Attorney. 1764 01:26:38.560 --> 01:26:40.640 They're gonna lose because they're gonna get in front of 1765 01:26:40.640 --> 01:26:43.960 the jury and go, here's the guy that bought every 1766 01:26:44.079 --> 01:26:47.279 rider they have. He had the best insurance out there, 1767 01:26:47.840 --> 01:26:51.119 and he had a flood and he bought flood insurance. 1768 01:26:51.279 --> 01:26:54.239 I mean, everybody's gonna go for it. But isn't it crazy, Brian, 1769 01:26:54.279 --> 01:26:55.119 He came down to that. 1770 01:26:56.159 --> 01:26:56.600 It is. 1771 01:26:56.800 --> 01:26:57.159 It is. 1772 01:26:58.039 --> 01:27:00.239 I was gonna tell you also, I did do I 1773 01:27:00.239 --> 01:27:01.840 know you're going to get your guy on that will 1774 01:27:01.840 --> 01:27:05.159 have way better you know, knowledge on the value. I 1775 01:27:05.359 --> 01:27:08.439 did run that ven number because it's on the contract 1776 01:27:08.439 --> 01:27:14.720 there would again, average value is somewhere between twelve and fourteen, 1777 01:27:14.880 --> 01:27:16.640 is what I see when John would they. 1778 01:27:16.520 --> 01:27:19.199 Give them six with tax, so they give them the 1779 01:27:19.239 --> 01:27:22.159 lower Yeah, I don't know that they did or all 1780 01:27:22.199 --> 01:27:26.600 that wrong on the value. The ultimate insult here is 1781 01:27:26.680 --> 01:27:30.359 the lack of GAP doing what she intended for it 1782 01:27:30.439 --> 01:27:32.920 to do when she bought it transparency, and there was none. 1783 01:27:33.239 --> 01:27:37.319 That's the real tragedy here, if you will. Her insurance 1784 01:27:37.359 --> 01:27:39.840 did exactly what they're supposed to do. Maybe they were 1785 01:27:39.880 --> 01:27:42.600 off by five hundred or seven hundred dollars or something, Yeah, 1786 01:27:42.720 --> 01:27:45.600 but the reality is they weren't off by you know, 1787 01:27:46.239 --> 01:27:48.520 six or seven grand I really hope. 1788 01:27:48.319 --> 01:27:50.600 This is a learning lesson for people out there. I 1789 01:27:50.680 --> 01:27:53.399 learned something today on that gap. I never I don't 1790 01:27:53.439 --> 01:27:56.159 have GAP insurance on any of her vehicles, but I 1791 01:27:56.199 --> 01:27:59.319 never assumed for a second that if I wrecked it, 1792 01:27:59.359 --> 01:28:00.439 there was no coverage. 1793 01:28:00.560 --> 01:28:03.399 Well, I only know that because every time a client 1794 01:28:03.439 --> 01:28:06.119 of mine has gap, it seems to be a fight 1795 01:28:06.840 --> 01:28:10.199 to get coverage. And sometimes they do and sometimes they don't. 1796 01:28:10.600 --> 01:28:14.159 But it's always getting into the fine language of the 1797 01:28:14.159 --> 01:28:17.279 contract every single time. It's like, all right, break out 1798 01:28:17.319 --> 01:28:19.279 the contract, let's get into the exclusion. 1799 01:28:19.399 --> 01:28:22.439 As an attorney, Brian, just hang on a second, and 1800 01:28:22.520 --> 01:28:24.359 I'll make sure to give your number out for helping 1801 01:28:24.439 --> 01:28:29.479 us and all that. But as a matter of a contract, 1802 01:28:29.119 --> 01:28:32.640 look at people that buy a house. I mean, how 1803 01:28:32.640 --> 01:28:36.680 many people read through those closing documents just simply doesn't happen. 1804 01:28:37.159 --> 01:28:39.880 So I guess as an attorney, if someone threw in 1805 01:28:40.039 --> 01:28:44.960 something just crazy. Real estate's a little different, but you know, 1806 01:28:45.039 --> 01:28:47.960 throw in something at the end, like you know, and 1807 01:28:48.039 --> 01:28:50.560 you'll work for me for ten years for free and 1808 01:28:50.600 --> 01:28:53.520 it's a car purchase, I mean something like that. At 1809 01:28:53.560 --> 01:28:57.640 what point, at what point is the contract just absurd 1810 01:28:58.239 --> 01:29:01.439 and it doesn't matter what's in there, it's just absurd 1811 01:29:01.720 --> 01:29:04.800 or do they just take the absurdity out? Most of them? 1812 01:29:05.399 --> 01:29:07.319 Most yeah, absolutely, most of them. 1813 01:29:07.560 --> 01:29:10.560 Let me throw this in if that gap contract literally 1814 01:29:10.640 --> 01:29:15.880 said in there by the way, everything's excluded, Like the 1815 01:29:15.960 --> 01:29:18.199 last Comma was everything. 1816 01:29:17.760 --> 01:29:19.800 And anything else that could possibly happen. 1817 01:29:19.640 --> 01:29:20.880 To anything you could think of. 1818 01:29:21.000 --> 01:29:24.760 Yeah, I mean most contracts have some clause in there 1819 01:29:24.760 --> 01:29:27.039 that says, look, if some part of this is determined 1820 01:29:27.079 --> 01:29:29.079 to be illegal, then the rest of them are still 1821 01:29:29.359 --> 01:29:31.720 going to apply in full forces if the other one 1822 01:29:31.760 --> 01:29:34.359 never existed. God, I don't know that this one does, 1823 01:29:34.399 --> 01:29:38.680 but most do. But you know, it's it. I hate 1824 01:29:38.680 --> 01:29:41.159 to say it because you don't have time. I understand 1825 01:29:41.159 --> 01:29:43.520 when you're sitting there and they're throwing documents and documents 1826 01:29:43.560 --> 01:29:46.439 and documents and sign and sign here, you just get 1827 01:29:46.479 --> 01:29:48.800 tired and you just sign and you just you need 1828 01:29:48.880 --> 01:29:50.720 gap insurance. It's really important. You got to have it 1829 01:29:50.760 --> 01:29:51.199 signed here. 1830 01:29:51.319 --> 01:29:54.760 Well, you another thing. You don't buy one damn thing 1831 01:29:54.800 --> 01:29:57.399 of it, and I guarantee you go home and talk 1832 01:29:57.479 --> 01:29:59.720 to someone and want to buy all that stuff. After 1833 01:29:59.760 --> 01:30:02.640 the they're gonna let you buy it, right Yeah, They're 1834 01:30:02.640 --> 01:30:04.439 gonna tell you right there. Oh no, you got to 1835 01:30:04.439 --> 01:30:06.840 buy it now. There is no way you can't go 1836 01:30:06.920 --> 01:30:10.239 find good gap coverage. You can't find a service plan. 1837 01:30:10.359 --> 01:30:13.079 But the problem is most of the people that most 1838 01:30:13.239 --> 01:30:15.279 need that coverage have. 1839 01:30:15.399 --> 01:30:17.439 To finance every bit of it in yeah, I know, 1840 01:30:17.600 --> 01:30:17.800 and so. 1841 01:30:17.880 --> 01:30:21.680 That's that's the people that are the most subject to 1842 01:30:21.720 --> 01:30:23.920 being victimized are the people that need it the most. 1843 01:30:23.840 --> 01:30:26.319 And that's who they're targeting. Yes, all right, Hey, by 1844 01:30:26.359 --> 01:30:29.560 the way, everybody out there, Brian Burns Compass Insurance. Listen. 1845 01:30:29.800 --> 01:30:32.760 I have used Brian in the Gang of Compass, Tom has. 1846 01:30:33.239 --> 01:30:36.039 We all have for so long it's crazy. They'll shop 1847 01:30:36.079 --> 01:30:38.479 every year for you. If you're with Progressive this year, 1848 01:30:38.640 --> 01:30:41.079 they'll check all the other companies to make sure that's 1849 01:30:41.159 --> 01:30:44.880 right for you. Young drivers, you have a sixteen year 1850 01:30:44.880 --> 01:30:48.039 old getting ready to get their license, call Compass. They 1851 01:30:48.079 --> 01:30:51.680 have got people that specialize in that. You own a business, 1852 01:30:51.720 --> 01:30:54.920 a shop like I did, You have employees, you have 1853 01:30:55.079 --> 01:30:58.600 workmen's cop These guys have it all. Compass Insurance three 1854 01:30:58.680 --> 01:31:02.840 oh three nine nine six nine thousand, Tarzan and Jim. 1855 01:31:02.960 --> 01:31:06.079 I can't wait to him hear from Jim. We had 1856 01:31:06.159 --> 01:31:11.920 Jim Scanner or Scammer on the phone with us this morning. 1857 01:31:12.359 --> 01:31:15.239 He was on and said Jim was trying to screw him. 1858 01:31:15.680 --> 01:31:18.079 Of course we know it wasn't Jim. It was James 1859 01:31:18.079 --> 01:31:20.720 a scammer. But after we hung up on the guy, 1860 01:31:20.880 --> 01:31:24.159 or after he hung up on his James called Jim back. 1861 01:31:24.520 --> 01:31:26.840 I wonder if he threatened him. And I'm gonna tell 1862 01:31:26.880 --> 01:31:30.399 you guys about something that happened in Colorado Springs to 1863 01:31:30.760 --> 01:31:33.399 a couple that went off on a scammer. 1864 01:31:38.800 --> 01:31:42.039 Go with a sure thing Denver's Best roofer Excel Roofing 1865 01:31:42.159 --> 01:31:44.800 dot com. You don't pay a cent until you're content. 1866 01:31:48.159 --> 01:31:51.359 Time for an insurance check up free, no obligation. In comparison, 1867 01:31:51.479 --> 01:31:55.000 call Compass Insurance paying too much your coverage at dozens 1868 01:31:55.039 --> 01:31:57.800 of insurance companies find out now three o three seven 1869 01:31:57.800 --> 01:32:00.000 to seven to one help. You'll think you're his own 1870 01:32:00.000 --> 01:32:02.479 on customer when you choose Frank durand the real estate 1871 01:32:02.520 --> 01:32:05.760 Man dot com to list your home with Remax Alliance 1872 01:32:06.000 --> 01:32:13.319 three oh three nine two zero sixteen twenty two. 1873 01:32:11.600 --> 01:32:14.039 Eight eight eight Heating dot com. That's the name of 1874 01:32:14.079 --> 01:32:17.399 the company. Cindy, Cindy one know who does the forty 1875 01:32:17.439 --> 01:32:19.600 five dollars cleaning? And yes, I'll tell you right now, 1876 01:32:19.760 --> 01:32:21.880 it's one of the best cleanings out there. They tear 1877 01:32:21.880 --> 01:32:23.640 it apart, they get rid of the dirt. You get 1878 01:32:23.640 --> 01:32:25.880 the idea. They don't come out there and go, hey, 1879 01:32:25.920 --> 01:32:28.920 do you want to buy something? No, the whole cause 1880 01:32:29.439 --> 01:32:32.159 is to show you how great the company is. So 1881 01:32:32.319 --> 01:32:35.800 for forty five bucks, new customers only come out clean 1882 01:32:35.840 --> 01:32:38.239 your furnace, get rid of the dirt, the number one 1883 01:32:38.359 --> 01:32:43.399 killer of a furnace, and slap a no breakdown guarantee 1884 01:32:43.439 --> 01:32:46.199 on there. And that's it. It's simple as that. Go 1885 01:32:46.279 --> 01:32:49.680 to eight eight eight Heating dot Com Cindy, and that's 1886 01:32:49.760 --> 01:32:53.279 that now three oh three seven to one three eight 1887 01:32:53.439 --> 01:32:58.720 two five five. Man, we got a ton freaking going on. 1888 01:32:59.039 --> 01:33:04.359 I guess I would like to know, Tarzan, what the 1889 01:33:04.600 --> 01:33:08.760 heck are you referring to with the title company error? 1890 01:33:09.880 --> 01:33:14.399 Hey, Mark, a longtime caller, first time listener, Unlike ninety 1891 01:33:14.399 --> 01:33:17.079 percent of your callers, all get straight to the point. 1892 01:33:17.680 --> 01:33:22.159 I sold a house just last week, okay, and it 1893 01:33:22.760 --> 01:33:26.520 closed on Friday. I get an email from the title 1894 01:33:26.600 --> 01:33:31.079 company and it says your house is closed, but because 1895 01:33:31.119 --> 01:33:36.079 we're after business hours, we cannot transfer funds to your 1896 01:33:36.119 --> 01:33:40.520 bank until Tuesday because Monday was an MLK holiday. Yeah, 1897 01:33:40.760 --> 01:33:44.720 I'm like, okay. So the buyer they give her the keys, okay, 1898 01:33:45.319 --> 01:33:48.479 and she doesn't go in right away on Friday, but 1899 01:33:48.640 --> 01:33:52.479 goes in on Saturday. And because of the cold snap, 1900 01:33:52.560 --> 01:33:58.920 that we've had the furnace went out and the pipes froze. Okay, 1901 01:34:00.039 --> 01:34:02.560 so she panics. So now I'm just thinking I feel 1902 01:34:02.560 --> 01:34:05.840 bad for But from a legal standpoint, in my head, 1903 01:34:05.880 --> 01:34:08.159 we're closed. I mean, this could have happened a week 1904 01:34:08.199 --> 01:34:08.439 from that. 1905 01:34:08.680 --> 01:34:11.359 I don't think it. I don't know why. I don't 1906 01:34:11.399 --> 01:34:13.239 know why you think that. And then I'm gonna let 1907 01:34:13.319 --> 01:34:17.640 John chime in here. But I don't know if it 1908 01:34:17.800 --> 01:34:21.720 matters where the where was the money was the title 1909 01:34:21.800 --> 01:34:22.920 company holding hers? 1910 01:34:22.960 --> 01:34:26.319 Where the money is? The warranty signed? The deal is closed, 1911 01:34:26.359 --> 01:34:27.119 it's a done deal. 1912 01:34:27.199 --> 01:34:27.680 It's over. 1913 01:34:27.920 --> 01:34:30.560 Yeah, congrats, but. 1914 01:34:30.520 --> 01:34:33.520 You she ended up getting paid, right or you ended 1915 01:34:33.560 --> 01:34:35.600 up getting paid this guy and. 1916 01:34:35.520 --> 01:34:38.199 So and so they came back to me on Tuesday 1917 01:34:38.920 --> 01:34:45.439 and said, we're missing an addendum of the five hundred 1918 01:34:45.439 --> 01:34:47.760 dollars earnest money. I told her, don't worry about it. 1919 01:34:47.840 --> 01:34:49.720 You know, you don't have to pay it. So that 1920 01:34:49.840 --> 01:34:52.359 was an addendum to the contract. And so they came 1921 01:34:52.399 --> 01:34:56.920 back on Tuesday and said, hey, that contract wasn't valid 1922 01:34:57.279 --> 01:34:59.039 because we never got that addenda. 1923 01:34:59.279 --> 01:35:03.159 What's the title company saying, forget about the forget about them? 1924 01:35:04.000 --> 01:35:07.159 Okay, Well, so they said that we closed on Friday 1925 01:35:07.199 --> 01:35:10.039 at four thirty pm, and I would have the funds 1926 01:35:10.079 --> 01:35:12.439 transferred to my bank account on Tuesday. 1927 01:35:12.720 --> 01:35:15.079 And here we are Thursday, and you still don't have them. 1928 01:35:15.880 --> 01:35:19.119 And then they emailed me back and said, hey, that 1929 01:35:19.319 --> 01:35:24.079 contract doesn't work because we didn't get that addendum in time. 1930 01:35:24.880 --> 01:35:26.600 And to me, it's like, well. 1931 01:35:28.000 --> 01:35:29.960 Who sent that email? The title company? 1932 01:35:30.119 --> 01:35:30.359 Yeah? 1933 01:35:30.399 --> 01:35:32.399 Who Yeah, the title company? 1934 01:35:32.720 --> 01:35:33.319 And then so. 1935 01:35:33.640 --> 01:35:35.560 Who was the title company? Tarzan. 1936 01:35:37.039 --> 01:35:39.760 So this is in western Nebraska, about three hours in 1937 01:35:39.800 --> 01:35:44.159 north of here. It's called Koonsman Title Company. 1938 01:35:45.600 --> 01:35:50.199 I have heard Listen, John, I know I know where 1939 01:35:50.199 --> 01:35:52.439 you're coming from on it. And I'm going to remind 1940 01:35:52.479 --> 01:35:56.079 you real quick of something I had a friend this 1941 01:35:56.279 --> 01:36:00.880 happened to kind of it's a lot different, but it 1942 01:36:01.079 --> 01:36:03.239 had to do with that attorney that got in big 1943 01:36:03.279 --> 01:36:05.399 trouble here. You happened to know you. 1944 01:36:05.319 --> 01:36:08.640 Weren't happening to carry the paper on that deal, were you? 1945 01:36:09.600 --> 01:36:09.800 Oh? 1946 01:36:09.880 --> 01:36:10.319 Good call. 1947 01:36:10.479 --> 01:36:13.239 This wasn't like an installment land contract or an owner 1948 01:36:13.279 --> 01:36:14.840 finance thing, was it, Tarzan? 1949 01:36:15.920 --> 01:36:16.039 No? 1950 01:36:16.199 --> 01:36:19.399 This was all she had her finances from the bank 1951 01:36:19.479 --> 01:36:21.760 ready to go. And then I just got an email 1952 01:36:21.800 --> 01:36:27.199 on Tuesday. It says, Hey, the buyer's panicking. Now we 1953 01:36:27.319 --> 01:36:29.760 get pulling out of the contract. 1954 01:36:29.800 --> 01:36:31.520 I don't think you can't pull out of the contract. 1955 01:36:31.520 --> 01:36:35.000 It's closed, the warranty date has been signed, the loan funded. 1956 01:36:35.439 --> 01:36:37.399 Even if there was a defect in the contract, I 1957 01:36:37.439 --> 01:36:40.039 can't imagine that that would unravel the deal right now. 1958 01:36:40.640 --> 01:36:44.359 I you know, any defect in that contract would be. 1959 01:36:44.520 --> 01:36:46.960 Yeah, but you might have to bring an action. I mean, 1960 01:36:47.000 --> 01:36:49.000 it sounds like they're simply not paying them. 1961 01:36:49.920 --> 01:36:52.800 Well, I think that if somebody needs to start talking 1962 01:36:52.840 --> 01:36:53.439 to their own an. 1963 01:36:53.880 --> 01:36:57.199 What Brad O'Brien's got to say, Barry, what do you you've purchased? 1964 01:36:57.199 --> 01:36:58.640 How many homes? 1965 01:36:58.680 --> 01:37:00.000 Yeah? Yeah, you know hundreds. 1966 01:37:00.079 --> 01:37:02.720 Has anything like this happened? I mean, what's your thoughts? 1967 01:37:02.720 --> 01:37:04.960 I know what happens once in a while. Well, my 1968 01:37:05.279 --> 01:37:08.239 second thought is, where the heck are the real estate 1969 01:37:08.279 --> 01:37:12.000 agents involved in here to be solving a problem that 1970 01:37:12.079 --> 01:37:16.600 they apparently caused because some five hundred dollars item didn't 1971 01:37:16.600 --> 01:37:18.920 get indended in time. 1972 01:37:18.960 --> 01:37:21.760 To that however for earnest money. 1973 01:37:21.800 --> 01:37:26.880 However, so that's go ahead, Tysan, are the agents helping you? 1974 01:37:26.920 --> 01:37:31.039 Neither the buyer nor seller had real estate agents, so. 1975 01:37:31.079 --> 01:37:33.600 It was just a title company. Well that's not a 1976 01:37:33.640 --> 01:37:34.239 smart thing. 1977 01:37:34.319 --> 01:37:36.560 Well that takes me to the first issue is the 1978 01:37:36.600 --> 01:37:40.079 title company. So what are they saying today? 1979 01:37:40.960 --> 01:37:43.720 Are they simply telling you for real, it's just not 1980 01:37:43.800 --> 01:37:44.800 a valid contract. 1981 01:37:45.640 --> 01:37:48.039 Here, I'll read you. I'll read you the email. 1982 01:37:47.720 --> 01:37:48.359 I got yesterday. 1983 01:37:48.359 --> 01:37:49.000 It's real short. 1984 01:37:49.079 --> 01:37:51.359 Now do me a favor. Forward it to us right now? 1985 01:37:51.399 --> 01:37:51.960 Can you do that? 1986 01:37:53.000 --> 01:37:55.119 H Yeah, hold on, hold on, I'm going to put 1987 01:37:55.119 --> 01:37:57.960 you on hold. I'm behind forward it to help Susanna. 1988 01:37:57.960 --> 01:38:01.000 I'll tell you where actually, yeah, tell where, Suzanne. I 1989 01:38:01.039 --> 01:38:04.600 want to see that. That's absolutely crazy. Hold on Berry, 1990 01:38:04.600 --> 01:38:05.039 you can say it. 1991 01:38:05.079 --> 01:38:13.199 After this, go with a sure thing Denver's best roofer 1992 01:38:13.319 --> 01:38:16.239 Excel Roofing dot com. You don't pay a cent until 1993 01:38:16.279 --> 01:38:22.720 you're content. Time for an insurance check up free, no obligation. 1994 01:38:22.760 --> 01:38:26.600 In comparison, call Compass Insurance paying too much your coverage 1995 01:38:26.600 --> 01:38:29.279 at dozens of insurance companies find out now three oh 1996 01:38:29.319 --> 01:38:31.800 three seven seven to one help. You'll think you're his 1997 01:38:31.960 --> 01:38:34.560 only customer when you choose Frank durand the real estate 1998 01:38:34.600 --> 01:38:37.880 Man dot com to list your home with Remax Alliance 1999 01:38:38.119 --> 01:38:40.399 three oh three nine two zero sixteen twenty two. 2000 01:38:45.960 --> 01:38:54.800 Rid you need so you don't have run in as 2001 01:38:54.880 --> 01:38:58.520 sass as we can. Shoot's gonna help. 2002 01:38:58.760 --> 01:39:03.319 Come, man, this is the Troubleshooter Show. 2003 01:39:03.479 --> 01:39:06.640 No, Tom Martinez. You know we're gonna put We're gonna 2004 01:39:06.640 --> 01:39:09.039 add some notches to our belt here pretty quick. I 2005 01:39:09.359 --> 01:39:12.079 have to tell you we're over three hundred million dollars 2006 01:39:12.479 --> 01:39:16.520 in cash, merchandise exchanges and refunds, and we have a 2007 01:39:16.600 --> 01:39:19.479 case right now. We're working behind the scenes. It's crazy. 2008 01:39:19.920 --> 01:39:23.119 It is absolutely crazy. But let me digress for a second. 2009 01:39:23.359 --> 01:39:25.800 It's the Troubleshooter Show. Three oh three, seven to one, 2010 01:39:25.960 --> 01:39:28.479 three eight, two, five five. You've been ripped off? You 2011 01:39:28.560 --> 01:39:32.199 got any problem? Contractor? We got two lines open. We've 2012 01:39:32.199 --> 01:39:34.680 done a ton of stuff today, but this one, this 2013 01:39:34.720 --> 01:39:39.399 one's crazy. So listen to this. I can't believe this. 2014 01:39:39.760 --> 01:39:42.119 Tarzan calls in. I got to ask him some you 2015 01:39:42.319 --> 01:39:45.000 just go buy Tarzan. I assume the name I see 2016 01:39:45.000 --> 01:39:48.640 in that emails you right, yes, yes, yeah, which is fine. 2017 01:39:48.680 --> 01:39:50.079 I don't care about that. I just want to make 2018 01:39:50.119 --> 01:39:53.960 sure that wasn't to somebody else. So Tarzan closes on 2019 01:39:54.039 --> 01:39:58.159 a house Friday at around what four thirty or before that? 2020 01:39:58.239 --> 01:40:04.000 You close, it appears they leave, it's done. It's over. 2021 01:40:04.920 --> 01:40:09.199 The title company emails them saying that they can't transfer 2022 01:40:09.279 --> 01:40:13.520 the funds until Tuesday. It's passed. The wire cutoff. That 2023 01:40:13.640 --> 01:40:16.760 happens all the time, and the next business day or 2024 01:40:16.800 --> 01:40:20.000 the next wire day is MLK. It's a national holiday. 2025 01:40:20.199 --> 01:40:22.760 This is all makes perfect sense. In fact, a lot 2026 01:40:22.760 --> 01:40:25.119 of us have been there, so the funds won't be there. 2027 01:40:26.560 --> 01:40:30.359 But I want everybody to understand, those funds are at 2028 01:40:30.359 --> 01:40:33.319 the title company right now. They're not at the lenders. 2029 01:40:33.600 --> 01:40:36.800 They're at the title company. The title company has all 2030 01:40:36.840 --> 01:40:40.319 the documents signed. The title company has the money. The 2031 01:40:40.359 --> 01:40:43.239 only thing left to do is dish out the money. 2032 01:40:43.600 --> 01:40:47.039 Generally most will go to the seller and then some 2033 01:40:47.199 --> 01:40:49.800 might go to a real estate agent something like that. 2034 01:40:50.119 --> 01:40:52.520 But other than that, it's it. The title company did 2035 01:40:52.560 --> 01:40:58.119 its job. Then what they email them yesterday? John, go 2036 01:40:58.239 --> 01:41:02.680 ahead read read what the woman Wendy from the title 2037 01:41:02.720 --> 01:41:07.680 company emailed our caller and Kelly, who I is? 2038 01:41:07.760 --> 01:41:07.880 That? 2039 01:41:08.279 --> 01:41:10.319 Is that the buyer's broker? I assume I don't know 2040 01:41:10.319 --> 01:41:11.000 who Kelly is. 2041 01:41:11.399 --> 01:41:15.199 No, No, so Kelly is. She's a real estate agent 2042 01:41:15.319 --> 01:41:18.039 in another town in Nebraska. Me and her are good friends. 2043 01:41:18.039 --> 01:41:20.960 So I sold the house for sell by owner. But 2044 01:41:21.039 --> 01:41:23.319 when it came down to the paperwork, I paid her 2045 01:41:23.319 --> 01:41:25.680 a flat feed. I love helped me out to get it, 2046 01:41:25.760 --> 01:41:26.239 get it through. 2047 01:41:26.680 --> 01:41:29.600 She's hopefully got another, you know, insurance policy that we 2048 01:41:29.600 --> 01:41:30.680 can rope into this thing. 2049 01:41:30.800 --> 01:41:33.520 So, but John, this is crazy. So I really I 2050 01:41:33.560 --> 01:41:36.039 want you to You don't have to read it verbatim, 2051 01:41:36.119 --> 01:41:37.800 but that first sentence says a lot. 2052 01:41:38.000 --> 01:41:38.520 Yeah. 2053 01:41:38.760 --> 01:41:41.079 I wanted to touch base with you both to let 2054 01:41:41.159 --> 01:41:45.079 you know that the buyer, the buyer's lender, is stating 2055 01:41:45.079 --> 01:41:48.760 that this closing is being rescinded and they are requiring 2056 01:41:48.800 --> 01:41:49.800 that I wire. 2057 01:41:49.520 --> 01:41:51.319 The funds back to them. 2058 01:41:51.680 --> 01:41:53.880 I wanted to make sure you knew that you know 2059 01:41:54.000 --> 01:41:56.399 that this was going on and she is not purchasing 2060 01:41:56.439 --> 01:41:58.920 the house. If she wants to move forward, she'll have 2061 01:41:59.000 --> 01:42:01.000 to start all over again. And let me know if 2062 01:42:01.000 --> 01:42:01.960 you have any questions. 2063 01:42:02.399 --> 01:42:04.399 Let me know if you have any questions for coming. 2064 01:42:04.479 --> 01:42:05.960 I can think of a few, I. 2065 01:42:05.880 --> 01:42:08.720 Could think of one hundred. I have got something very 2066 01:42:08.760 --> 01:42:12.039 important to ask you though. Did you respond to this, 2067 01:42:12.119 --> 01:42:14.880 and if so, what did you respond in writing to her? 2068 01:42:16.000 --> 01:42:17.439 Did not respond? Good? 2069 01:42:17.680 --> 01:42:21.800 Good, dear? I have never can you imagine, John, you 2070 01:42:21.800 --> 01:42:24.199 go in you sell a house, or buy a house, 2071 01:42:24.920 --> 01:42:29.680 you close three days later they want to rescind. That 2072 01:42:29.720 --> 01:42:35.760 would literally turn our entire our entire buying and selling 2073 01:42:35.800 --> 01:42:39.439 of property, not just in Colorado, but in the entire 2074 01:42:39.560 --> 01:42:41.319 country well up, stub down. 2075 01:42:41.359 --> 01:42:44.479 Absolutely. So let's just play this out. This guy had 2076 01:42:44.520 --> 01:42:46.800 no right to go back in their property and do anything. 2077 01:42:47.000 --> 01:42:49.199 I mean, this deal was done and over with. If 2078 01:42:49.199 --> 01:42:51.760 he went in there and forgot something, they could charge 2079 01:42:51.840 --> 01:42:54.640 him with trespassing. Okay, if she happened to be there 2080 01:42:54.640 --> 01:42:58.000 and he walked in the front door, I mean that's 2081 01:42:58.039 --> 01:42:59.920 a problem. He had no right to be on the 2082 01:43:00.399 --> 01:43:02.960 so he had no ability to protect it or anything else. 2083 01:43:03.000 --> 01:43:05.039 And this was a done deal. You didn't know he 2084 01:43:05.079 --> 01:43:07.920 had signed the warranty deed, the loan had been funded. 2085 01:43:07.920 --> 01:43:10.000 They had the money, as evidenced by the letter from 2086 01:43:10.039 --> 01:43:11.920 the title company saying I've got to send it back, 2087 01:43:12.279 --> 01:43:15.560 which which implies that they have it. So this is 2088 01:43:15.600 --> 01:43:18.039 a done deal. I don't think that title company has 2089 01:43:18.119 --> 01:43:21.720 any authority to wire that money to anybody other than 2090 01:43:22.039 --> 01:43:26.159 the cellar, which is the which is the instructions that 2091 01:43:26.239 --> 01:43:28.840 he signed in his closing to send me the money 2092 01:43:28.840 --> 01:43:30.279 by wire or whatever method. 2093 01:43:30.479 --> 01:43:33.039 And here's what happened for people just joining in. The 2094 01:43:33.079 --> 01:43:36.000 reason this happened is, well, I'll let the caller tell it. 2095 01:43:36.399 --> 01:43:39.159 She bought the house, and what happened? You closed, and 2096 01:43:39.199 --> 01:43:40.279 what happened Tarzan? 2097 01:43:41.279 --> 01:43:44.840 So she they gave her the keys, congratulations, all that crap. 2098 01:43:44.880 --> 01:43:47.319 And so she goes in the house again we had, 2099 01:43:47.399 --> 01:43:50.680 you know, everybody had that cold snap yep, and realizes 2100 01:43:51.079 --> 01:43:53.840 the furnaces out and the temperature in the house is 2101 01:43:54.119 --> 01:43:58.279 like twenty five degrees and the pipes have frozen, which 2102 01:43:58.359 --> 01:44:00.399 really is not big of a deal because the water 2103 01:44:00.560 --> 01:44:04.279 was turned off anyway, so it's just the lingering water 2104 01:44:04.359 --> 01:44:07.800 that's in the pipes that that froze. But she's kind 2105 01:44:07.800 --> 01:44:11.279 of a panicky buyer, and so she calls me freaking out, 2106 01:44:11.319 --> 01:44:13.359 you know, because again we don't have realtors. So we 2107 01:44:13.399 --> 01:44:16.239 talked to each other. I'm like, you just got to relax, 2108 01:44:16.279 --> 01:44:18.680 we gotta get we'll find out what the damage is 2109 01:44:18.720 --> 01:44:21.399 and we'll go from there. So in a period of 2110 01:44:21.399 --> 01:44:25.079 a forty eight hour time, she panicked, freaked out, and 2111 01:44:25.119 --> 01:44:26.319 then backed out. 2112 01:44:26.680 --> 01:44:29.319 Do you know what the damage is? How much? 2113 01:44:30.520 --> 01:44:34.600 So far it's thirteen hundred dollars to fix the furnace, 2114 01:44:34.720 --> 01:44:37.760 and that should be happening today and then we eat 2115 01:44:37.800 --> 01:44:39.920 the house back up so we can get the pipe. 2116 01:44:40.039 --> 01:44:42.359 Was there an inspection? Did she do? 2117 01:44:42.960 --> 01:44:46.520 And they had they had an inspection on the front. 2118 01:44:47.479 --> 01:44:49.920 It's her furnace, and then they had yeah, oh yeah, 2119 01:44:50.119 --> 01:44:53.079 I mean repairs. 2120 01:44:53.079 --> 01:44:55.359 Are you well? 2121 01:44:55.399 --> 01:44:56.520 I mean, what am I gonna do? 2122 01:44:56.760 --> 01:44:57.239 You're going to. 2123 01:44:57.279 --> 01:44:58.199 Tell her good luck? 2124 01:44:59.000 --> 01:44:59.279 Yeah? 2125 01:44:59.439 --> 01:45:02.159 Well, I mean that's why I'm calling you guys. 2126 01:45:02.239 --> 01:45:04.600 Yeah, this is crazy. I have never heard of a 2127 01:45:04.720 --> 01:45:08.560 closing or a title company that would do it. In fact, Okay, 2128 01:45:08.600 --> 01:45:11.840 I do want to do this, Suzanne, get Frank duran on. 2129 01:45:12.159 --> 01:45:15.279 That guy has closed on more houses and I mean 2130 01:45:15.319 --> 01:45:18.399 I don't even know how many. He closes more houses 2131 01:45:18.600 --> 01:45:20.920 in one month than most realtors do in a year. 2132 01:45:21.199 --> 01:45:23.479 But John, you're in the same boat. I'm not saying 2133 01:45:23.479 --> 01:45:26.520 you bought anywhere near that amount or is bear Yeah, 2134 01:45:26.640 --> 01:45:29.640 but you've done a ton of deals and you're an attorney. 2135 01:45:30.079 --> 01:45:33.119 Once again, the entire reason of hiring and paying a 2136 01:45:33.159 --> 01:45:36.119 title company is for exactly this kind of stuff. 2137 01:45:36.960 --> 01:45:39.079 Yeah, especially if you don't have brokers involved. 2138 01:45:39.119 --> 01:45:41.720 I mean, they're in a unique position because I mean 2139 01:45:41.760 --> 01:45:44.840 they have to document the instructions that they're given, you know, 2140 01:45:44.880 --> 01:45:47.399 for everybody, and this was a done deal. They were 2141 01:45:47.439 --> 01:45:51.479 only waiting to wire out his proceeds. I can't imagine 2142 01:45:51.520 --> 01:45:54.119 how a lender would come back two days later and say, 2143 01:45:54.319 --> 01:45:57.159 we're sending the deal, send us back the money. I 2144 01:45:57.159 --> 01:45:59.680 don't care what happened to the house. The risk of 2145 01:45:59.760 --> 01:46:02.800 law provisions in the contract deal with exactly these kind 2146 01:46:02.800 --> 01:46:07.520 of things. Of course, Mazeur, this is just standard risk 2147 01:46:07.560 --> 01:46:10.520 of lost stuff, and the title had already transferred by 2148 01:46:10.560 --> 01:46:12.960 the time the problem happened in the deal. It's her house, 2149 01:46:13.000 --> 01:46:17.359 it's her problem. Good luck, her insurance. Her lender would 2150 01:46:17.399 --> 01:46:20.279 have required her to have insurance in place. I all acclaim, 2151 01:46:20.399 --> 01:46:22.520 open it up, move on, send me my mind, did 2152 01:46:22.560 --> 01:46:26.760 she Yeah, yep, that's the one that's trying to rescind 2153 01:46:26.800 --> 01:46:28.000 the deal and send the money back. 2154 01:46:28.640 --> 01:46:31.520 Oh no, no, yeah, you're absolutely Tarzan. 2155 01:46:31.640 --> 01:46:33.279 You're in the winner's seat. 2156 01:46:34.119 --> 01:46:38.079 Hey, Dmitri or Tarzan, you have the phone number for 2157 01:46:39.479 --> 01:46:42.159 that woman who wrote you this email? 2158 01:46:42.680 --> 01:46:43.600 Title company lady? 2159 01:46:43.680 --> 01:46:45.640 Yeah, what's her name? Andy Wendy? 2160 01:46:46.560 --> 01:46:47.960 Yeah, let me get a four year real quick. 2161 01:46:48.000 --> 01:46:48.159 Yeah. 2162 01:46:48.159 --> 01:46:50.439 I don't want it on air, Dmitri, Would you do 2163 01:46:50.520 --> 01:46:53.359 me a favor over this break, I'm gonna take it. 2164 01:46:53.560 --> 01:46:58.520 You have Wendy's number, I want Dmitri to call and 2165 01:46:58.720 --> 01:47:00.479 ask her off air. I don't even want to try 2166 01:47:00.520 --> 01:47:03.359 to spooker or anything. I just want to know what 2167 01:47:03.479 --> 01:47:06.439 hell they're saying. I just want to know, like, how 2168 01:47:06.439 --> 01:47:09.720 does please actually you handle it however you want. You're 2169 01:47:09.800 --> 01:47:12.279 damn good at handling, so thank you. The bottom line 2170 01:47:12.319 --> 01:47:15.039 is they don't they I can't see any reason why 2171 01:47:15.079 --> 01:47:17.800 they can send the money to anybody but him. Have 2172 01:47:17.840 --> 01:47:20.239 they already sent it back? Well he doesn't know. 2173 01:47:20.479 --> 01:47:23.960 Okay, So there's there's one There's one thing is where 2174 01:47:24.560 --> 01:47:28.239 so Liz, the chick name Liz did all this on 2175 01:47:28.279 --> 01:47:30.000 the front end, and then when it comes to the 2176 01:47:30.119 --> 01:47:34.199 end end they send it over to Windy. And so 2177 01:47:34.239 --> 01:47:37.720 then they bring up this addendum thing, this five hundred dollars? 2178 01:47:38.159 --> 01:47:39.279 Uh, what do you call that? 2179 01:47:39.800 --> 01:47:41.960 They should have caught that during closing. I don't even 2180 01:47:42.039 --> 01:47:43.039 understand the relevance. 2181 01:47:43.159 --> 01:47:44.319 You know, that's what I thought they'd have it. 2182 01:47:44.479 --> 01:47:46.399 So are they saying that the five hundred was not 2183 01:47:46.479 --> 01:47:49.319 delivered to the title company completing the payment? 2184 01:47:49.399 --> 01:47:50.319 Is that what's going on? 2185 01:47:51.239 --> 01:47:54.199 That's what they're That's what they suggest in the email. 2186 01:47:54.000 --> 01:47:58.279 Who was holding the five hundred? Who was holding the 2187 01:47:58.319 --> 01:48:00.439 five hundred? Was it your friend's trust account? 2188 01:48:01.920 --> 01:48:03.399 You know, I don't know. What do you call that 2189 01:48:03.479 --> 01:48:04.000 fee again? 2190 01:48:04.079 --> 01:48:06.800 Earnest money yeah, earnest money yeah. 2191 01:48:06.960 --> 01:48:08.720 And then I said you don't have to pay that. 2192 01:48:08.840 --> 01:48:11.760 So then they're like, okay, we need a dedendum. And 2193 01:48:11.800 --> 01:48:14.760 then they originally claimed that they didn't have it, but 2194 01:48:14.800 --> 01:48:16.439 then I heard that they got. 2195 01:48:16.199 --> 01:48:16.840 It in time. 2196 01:48:17.000 --> 01:48:19.800 Thus the email saying we've closed on four point thirty 2197 01:48:19.840 --> 01:48:20.479 on Friday. 2198 01:48:20.600 --> 01:48:22.520 I think you get on Tuesday. 2199 01:48:22.880 --> 01:48:25.960 Yeah, And that's how the emails. That's how the emails roll. Man. 2200 01:48:26.359 --> 01:48:29.279 In fact, when they start talking about not receiving the 2201 01:48:29.359 --> 01:48:32.439 five hundred, that's where they start going. 2202 01:48:32.560 --> 01:48:32.800 Oh. 2203 01:48:33.000 --> 01:48:37.680 Also, Monica called me this morning upset about problems she 2204 01:48:37.880 --> 01:48:41.680 discovered with the heat, et cetera. So I told her 2205 01:48:41.720 --> 01:48:45.760 to contact the realtor and work it out. We are 2206 01:48:45.960 --> 01:48:49.640 just the closing company, not a real estate company. Well 2207 01:48:49.680 --> 01:48:52.520 apparently they're not acting that way now in my opinion. 2208 01:48:52.960 --> 01:48:53.840 Yeah, I mean. 2209 01:48:53.680 --> 01:48:55.199 That's the title company. 2210 01:48:55.239 --> 01:48:58.800 Can't decide stuff going on here? 2211 01:48:58.880 --> 01:49:01.000 You understand, to meet what question to ask? 2212 01:49:02.000 --> 01:49:04.319 And then wait one second? And well, I just want 2213 01:49:04.319 --> 01:49:05.520 to tell you this because I don't know if it 2214 01:49:05.560 --> 01:49:06.479 comes into play or not. 2215 01:49:06.680 --> 01:49:09.600 Oh my god, I wait for him to drop the bomb. 2216 01:49:10.000 --> 01:49:13.039 Go ahead, No, no, no, it's not that big of a deal. 2217 01:49:13.079 --> 01:49:16.960 But Wendy's like, you know, we didn't receive She starts 2218 01:49:16.960 --> 01:49:18.920 going down that path and I'm like, well, then why 2219 01:49:18.960 --> 01:49:22.079 did Liz email me and tell me that we're closing it? 2220 01:49:22.239 --> 01:49:24.720 We closed on four point thirty on Friday, and we 2221 01:49:24.800 --> 01:49:28.960 get the funds on Tuesday. And Wendy replies with, yeah, 2222 01:49:29.000 --> 01:49:30.000 she shouldn't have said that. 2223 01:49:30.600 --> 01:49:32.720 Well, it's not even a point of that, because what 2224 01:49:32.800 --> 01:49:36.439 Wendy said was a little different than that she emailed 2225 01:49:36.479 --> 01:49:39.279 you yesterday saying I wanted to touch base with you 2226 01:49:39.640 --> 01:49:43.319 and let you know that Monica's lender is stating that 2227 01:49:43.399 --> 01:49:46.319 they want to rescind the deal. I mean, they're saying 2228 01:49:46.359 --> 01:49:49.760 they want to rescind it and they want their money back. Well, 2229 01:49:50.039 --> 01:49:50.880 they can't do. 2230 01:49:50.760 --> 01:49:54.439 That, do that, hey, John? 2231 01:49:54.439 --> 01:49:58.039 Are we totally sured that the closing was actually completed. 2232 01:49:58.000 --> 01:50:00.960 Only by the email saying close is complete, we're gonna 2233 01:50:00.960 --> 01:50:01.800 wire out your money. 2234 01:50:02.079 --> 01:50:06.800 So I mean, my god, I mean and if she mistakenly. 2235 01:50:06.359 --> 01:50:09.920 Said that, if the guy, I mean, listen, here, there's 2236 01:50:09.960 --> 01:50:12.760 only a couple parts to a real estate transaction, Okay, 2237 01:50:13.079 --> 01:50:15.960 the funding of the loan, the signing of the warranty deed. 2238 01:50:16.199 --> 01:50:21.680 And they gave keys though, and that's important, the keys. 2239 01:50:21.720 --> 01:50:22.880 They gave possession. 2240 01:50:23.239 --> 01:50:26.399 And so I think the critical thing here to keep 2241 01:50:26.399 --> 01:50:28.800 in mind is with that new loan, you can safely 2242 01:50:28.800 --> 01:50:31.800 assume that she had to get insurance in place. That 2243 01:50:32.199 --> 01:50:34.279 it may have just been a binder, but it could 2244 01:50:34.319 --> 01:50:36.760 have also been bought and paid for prior to closing. 2245 01:50:36.760 --> 01:50:39.399 A lot of times insurance companies want that insurance to 2246 01:50:39.439 --> 01:50:41.279 be paid for and in place at the time of 2247 01:50:41.319 --> 01:50:44.560 closing the risk of lost. Provisions in the contract dictate 2248 01:50:44.600 --> 01:50:48.159 what's happened, what happens if something goes down before the closing, 2249 01:50:48.399 --> 01:50:52.640 But as of the moment of closing, that is not 2250 01:50:53.319 --> 01:50:54.920 this seller's responsibility. 2251 01:50:54.960 --> 01:50:57.359 Guys, this is this is good old boys or good 2252 01:50:57.359 --> 01:51:00.720 old gals that know each other. Sure, I would almost 2253 01:51:00.760 --> 01:51:03.119 be assured of it. I mean, it's just an observation. 2254 01:51:03.439 --> 01:51:06.439 It's not fact by any means. But I think the 2255 01:51:06.479 --> 01:51:11.119 realtor or this lady nose the closing company. There's some connection, 2256 01:51:11.520 --> 01:51:14.039 and they're trying to put the screws to this in 2257 01:51:14.159 --> 01:51:16.920 my opinion. Yeah, all right, hold on, man, we're gonna 2258 01:51:16.920 --> 01:51:19.560 make that call. Everybody. Hold tight. Hey, by the way, 2259 01:51:19.560 --> 01:51:21.720 how much money are we talking? I don't remember. 2260 01:51:23.880 --> 01:51:26.800 I think it was one sixty three and a half 2261 01:51:27.239 --> 01:51:28.600 was the sale price of the house. 2262 01:51:28.640 --> 01:51:29.479 All right, hold on? 2263 01:51:31.640 --> 01:51:36.239 You know it's so funny here though, go with a 2264 01:51:36.279 --> 01:51:39.840 sure thing Denver's best roofer Excel Roofing dot com. You 2265 01:51:39.840 --> 01:51:45.640 don't pay a cent until you're content. Time for an 2266 01:51:45.640 --> 01:51:49.880 insurance checkup free, no obligation. In comparison, call Compass Insurance 2267 01:51:50.039 --> 01:51:53.039 paying too much your coverage at dozens of insurance companies 2268 01:51:53.119 --> 01:51:55.359 find out now three oh three seven to seven to one. 2269 01:51:55.479 --> 01:51:55.720 Help. 2270 01:51:55.880 --> 01:51:58.520 You'll think you're his only customer when you choose Frank 2271 01:51:58.600 --> 01:52:01.039 durand the real estate Man dot com to list your 2272 01:52:01.079 --> 01:52:04.199 home with Remax Alliance three oh three nine two zero 2273 01:52:04.359 --> 01:52:05.960 sixteen twenty two. 2274 01:52:07.039 --> 01:52:10.199 All right, three oh three seven one three A two 2275 01:52:10.319 --> 01:52:14.800 five five. Dimitri's reaching out to Wendy who is at 2276 01:52:14.840 --> 01:52:19.600 that title company. This one is just so bizarre, so, uh, Tarzan, listen, 2277 01:52:19.640 --> 01:52:23.159 we're working on this and hopefully we get an update 2278 01:52:23.239 --> 01:52:26.239 on it. Uh here in a few minutes, now, Cody, 2279 01:52:26.279 --> 01:52:30.319 you hang on, but Jim Jim's got an interesting one here. 2280 01:52:31.119 --> 01:52:34.920 Jim actually called this morning and gave us some phone 2281 01:52:35.000 --> 01:52:38.560 numbers of a scammer. One of the three scammers was 2282 01:52:38.720 --> 01:52:42.439 James and basically what was he He was the insurance guy. 2283 01:52:42.800 --> 01:52:45.279 He was going to sell you an insurance policy for 2284 01:52:45.399 --> 01:52:49.159 one percent of the seven hundred and fifty thousand that 2285 01:52:49.239 --> 01:52:51.960 you won. In case if there was a problem, was 2286 01:52:52.000 --> 01:52:53.039 that James. 2287 01:52:55.039 --> 01:52:59.760 Cast company Ejamont went from seven hundred and fifty thousand 2288 01:53:00.079 --> 01:53:03.880 up to nine hundred and seventy thousand nights because they paid. 2289 01:53:04.199 --> 01:53:07.279 They paid twenty two thousand dollars to the irs for 2290 01:53:07.399 --> 01:53:09.199 your name for the money. 2291 01:53:09.199 --> 01:53:10.720 I was going to get, Hey, you know what, they 2292 01:53:10.760 --> 01:53:14.960 are good people, so so but really Jim, So we 2293 01:53:15.119 --> 01:53:17.359 got him to come on air. He came on air, 2294 01:53:17.399 --> 01:53:20.119 and I called him out because he tried to turn 2295 01:53:20.199 --> 01:53:23.479 the tables and say that you called him trying to 2296 01:53:23.520 --> 01:53:26.359 scam him. But it was evident what was going on. 2297 01:53:26.680 --> 01:53:29.520 So did he call back and threaten you tell us 2298 01:53:29.600 --> 01:53:31.199 the story of when he called back. 2299 01:53:32.760 --> 01:53:36.680 Okay, First, when he called back, he said that he 2300 01:53:36.760 --> 01:53:39.039 didn't hang up on you, You hung up on him. 2301 01:53:39.600 --> 01:53:42.880 I was on the phone. I heard it, so Okay. 2302 01:53:43.199 --> 01:53:45.439 Then he came out with you in a loved way. 2303 01:53:45.439 --> 01:53:49.479 He said, this is the problem with you talking to 2304 01:53:49.520 --> 01:53:54.319 this Martino guy is these small town radio stations. I 2305 01:53:54.359 --> 01:53:56.920 are some guy, put him in a nice suit and 2306 01:53:56.960 --> 01:53:58.800 give him a haircut, and all of a sudden he's 2307 01:53:58.840 --> 01:53:59.960 a consumer expert. 2308 01:54:00.159 --> 01:54:02.159 Well, Mark does not have a good hair I knew 2309 01:54:02.159 --> 01:54:05.079 you were going to say that, and I wore the 2310 01:54:05.159 --> 01:54:07.239 last matter or a suit was at a funeral. 2311 01:54:07.359 --> 01:54:08.479 Let the record reflect. 2312 01:54:08.920 --> 01:54:12.279 Yeah, they got me wrong. So that's that. That was 2313 01:54:12.359 --> 01:54:13.239 crazy or. 2314 01:54:13.600 --> 01:54:17.319 Or worst part was he thought you were young? Well 2315 01:54:17.359 --> 01:54:18.880 I am you as as old as I am. 2316 01:54:19.199 --> 01:54:21.399 No, no, no, I didn't touch that one. So Jim, 2317 01:54:21.439 --> 01:54:23.520 you're actually you're talking to Mark, not Tom. 2318 01:54:26.319 --> 01:54:28.760 Oh okay, okay, well not a big deal. 2319 01:54:28.840 --> 01:54:30.640 I'm thirty three. 2320 01:54:30.680 --> 01:54:33.039 Back on that. Yeah, the guy's insulting me, telling me 2321 01:54:33.079 --> 01:54:36.560 I'm an idiot for not spending seventy five dollars to 2322 01:54:36.640 --> 01:54:39.279 get back. So Jim fifty thousand. 2323 01:54:39.640 --> 01:54:41.520 So Jim, I'm going to tell you a quick story 2324 01:54:41.560 --> 01:54:48.279 for everybody out there. Colorado Springs, right before COVID, same 2325 01:54:48.359 --> 01:54:52.119 kind of guy, same kind of hack, same kind of scumbag, 2326 01:54:52.239 --> 01:54:56.279 calls up somebody in Colorado Springs, calls them up on 2327 01:54:56.319 --> 01:55:00.479 their house phone and tries to scam them. The guy 2328 01:55:00.600 --> 01:55:03.560 literally goes off on him. You're a piece of and 2329 01:55:03.600 --> 01:55:07.920 a dumb you name it. He drops every bomb on him. Okay, 2330 01:55:08.840 --> 01:55:13.800 the guy spoofed his number and called the Colorado Springs 2331 01:55:13.880 --> 01:55:18.239 Police Department and did what was called a swatting call. 2332 01:55:18.840 --> 01:55:23.439 He basically said, help, I'm in the house my husband 2333 01:55:23.760 --> 01:55:27.319 or my wife or my kid. Someone's trying to kill me. 2334 01:55:28.079 --> 01:55:32.159 I need help right now. The police thought it was valid. 2335 01:55:32.520 --> 01:55:35.279 They traced the call because the guy spoofed the number. 2336 01:55:35.720 --> 01:55:39.359 They went there and almost killed the guy. It was 2337 01:55:39.479 --> 01:55:44.359 absolutely crazy and you can google the story swatting Colorado Springs. 2338 01:55:44.399 --> 01:55:47.600 But these guys are bad guys. I mean I have 2339 01:55:47.720 --> 01:55:51.439 never They're just crazy. They're bad guys. Now, most people 2340 01:55:51.479 --> 01:55:54.960 I don't think would go that far, but that definitely happened. 2341 01:55:55.000 --> 01:55:55.760 It was a bad deal. 2342 01:55:55.840 --> 01:55:56.119 Jim. 2343 01:55:56.319 --> 01:56:00.520 I appreciate that update, and yeah, I think Okay, I 2344 01:56:00.720 --> 01:56:02.920 like my suits. John, you've seen me in a suit? No, 2345 01:56:03.079 --> 01:56:06.479 I have not, not once? Never, Suzanne, if you suit, 2346 01:56:06.560 --> 01:56:09.319 yeah a couple times, Mark Don's. 2347 01:56:08.960 --> 01:56:10.359 Funeral when you got married. 2348 01:56:10.439 --> 01:56:12.720 Maybe, oh when we just had that on a st 2349 01:56:12.720 --> 01:56:13.920 accurate function. 2350 01:56:13.800 --> 01:56:15.840 That wasn't a suit. Well it was close enough. 2351 01:56:15.880 --> 01:56:16.680 That's a suit for you. 2352 01:56:16.760 --> 01:56:20.840 Well, okay, John, it was slacks and a blazer. 2353 01:56:21.279 --> 01:56:23.319 It was nice and a fresh shirt. 2354 01:56:23.800 --> 01:56:25.520 Do you wear a suit when you go to court? 2355 01:56:25.560 --> 01:56:28.680 You have to wear a suit, Yes, sir, have to, Yes, 2356 01:56:29.039 --> 01:56:31.800 have to have to. He would have to, so. 2357 01:56:31.920 --> 01:56:34.680 Literally if I don't have to, but I'd rather not 2358 01:56:34.800 --> 01:56:38.319 get you know, listen, the judge can kick you. The 2359 01:56:38.359 --> 01:56:41.640 protocol for court is to wear a suit. And you 2360 01:56:41.640 --> 01:56:43.640 could wear a sport coat and slacks and a tie, 2361 01:56:43.640 --> 01:56:44.479 but it's still a suit. 2362 01:56:44.600 --> 01:56:47.239 That's the deal. Yeah, in federal court suit. 2363 01:56:47.359 --> 01:56:48.079 How about a woman. 2364 01:56:49.079 --> 01:56:52.359 That's a different deal there. You know, when I graduated 2365 01:56:52.399 --> 01:56:55.720 law school, there were still rules that did not allow 2366 01:56:55.760 --> 01:56:57.239 women to wear pants. 2367 01:56:57.079 --> 01:56:57.920 In federal court. 2368 01:56:58.279 --> 01:56:59.600 Okay, kidding for real. 2369 01:57:00.439 --> 01:57:03.239 I think that's been changed, but I'm not even one 2370 01:57:03.319 --> 01:57:05.640 hundred percent sure about that. Ask your daughter. She's been 2371 01:57:05.720 --> 01:57:07.319 up there since more recently than I. 2372 01:57:07.439 --> 01:57:10.119 Does she wear slacks when she goes to court? H yes? 2373 01:57:10.359 --> 01:57:10.600 Yeah? 2374 01:57:10.640 --> 01:57:13.119 Okay, Well in state court, no problem at all. Oh, 2375 01:57:13.159 --> 01:57:16.800 you're talking, no problem. Federal court was a different deal, man. 2376 01:57:17.039 --> 01:57:19.000 But I know that she was in federal court not 2377 01:57:19.039 --> 01:57:21.359 long ago because they went down and listened to something 2378 01:57:21.520 --> 01:57:24.479 and so she would know better. But surely it's been changed. 2379 01:57:24.479 --> 01:57:27.439 But that was the rule back then, so Hillary Clinton. 2380 01:57:27.439 --> 01:57:32.119 But right now state court, you can you can dress 2381 01:57:32.199 --> 01:57:34.199 that down quite a bit, but you're still I mean, 2382 01:57:34.600 --> 01:57:37.840 like you know, for women, it's just different because nobody 2383 01:57:37.880 --> 01:57:39.279 really wants to say, is that a suit? 2384 01:57:39.359 --> 01:57:40.680 Is that a slack? Is that at blouse? 2385 01:57:40.760 --> 01:57:40.920 Is that? 2386 01:57:41.079 --> 01:57:41.640 What? 2387 01:57:41.640 --> 01:57:42.159 What is that? 2388 01:57:42.279 --> 01:57:42.479 Yeah? 2389 01:57:42.640 --> 01:57:45.039 But for guys it better be slacks and a tie 2390 01:57:45.159 --> 01:57:46.920 and a and a coat of some variety. 2391 01:57:47.079 --> 01:57:51.640 So little different, but same thing you years ago, twenty 2392 01:57:51.720 --> 01:57:54.640 thirty years whatever you did some personal or not personal injury, 2393 01:57:54.640 --> 01:57:58.359 that's what you do now, some criminal did you evers? 2394 01:57:59.119 --> 01:57:59.960 What case? 2395 01:58:00.359 --> 01:58:00.720 Yeah? 2396 01:58:00.760 --> 01:58:00.960 Wow? 2397 01:58:01.039 --> 01:58:04.520 Whatever you did some criminal? 2398 01:58:05.520 --> 01:58:06.239 John was good? 2399 01:58:06.359 --> 01:58:06.960 That was John. 2400 01:58:06.960 --> 01:58:09.319 If you wanted to, could you wear the powdered wig 2401 01:58:09.439 --> 01:58:10.319 like in the movies. 2402 01:58:10.319 --> 01:58:11.039 Get out of Here? 2403 01:58:11.439 --> 01:58:13.279 I don't know that my client would appreciate that. 2404 01:58:13.479 --> 01:58:13.600 Now. 2405 01:58:13.800 --> 01:58:17.520 Did you ever show up though, with somebody that you're 2406 01:58:17.600 --> 01:58:21.640 defending in court and they come in dressed like a hoodlum? 2407 01:58:22.079 --> 01:58:24.960 Did you ever have to say, hey, don't go in 2408 01:58:25.000 --> 01:58:25.640 there like that. 2409 01:58:25.720 --> 01:58:29.720 So I've been practicing since before marijuana was legal. Oh okay, 2410 01:58:30.159 --> 01:58:33.000 and I distinctly remember one client that showed up for 2411 01:58:33.159 --> 01:58:37.359 a sentencing hearing wearing like a big marijuana leaf shirt. 2412 01:58:37.439 --> 01:58:38.239 Oh my god. 2413 01:58:38.399 --> 01:58:40.319 And I was like, what in the heck is wrong 2414 01:58:40.359 --> 01:58:41.079 with you? 2415 01:58:41.079 --> 01:58:41.279 You know? 2416 01:58:42.279 --> 01:58:44.359 And it didn't go, It didn't go as well as 2417 01:58:44.359 --> 01:58:44.880 we hoped. 2418 01:58:44.960 --> 01:58:46.840 And he kept it on. I mean he had to. 2419 01:58:47.079 --> 01:58:48.760 Absolutely he didn't have any other shirt. 2420 01:58:48.840 --> 01:58:51.399 So Mark, you can't wear your Bucky sweatshirt to court. 2421 01:58:51.520 --> 01:58:55.000 Don't don't wear BUCkies. Just generally, don't leave your property with. 2422 01:58:54.960 --> 01:58:56.319 BUCkies, you know. 2423 01:58:57.039 --> 01:58:59.760 All right, Everybody, hold tight, Cody, you're up. 2424 01:59:05.039 --> 01:59:08.279 Go with a sure thing Denver's best rufer Excel Roofing 2425 01:59:08.399 --> 01:59:09.000 dot com. 2426 01:59:09.039 --> 01:59:11.039 You don't pay a cent until you're content. 2427 01:59:14.439 --> 01:59:17.600 Time for an insurance check up free, no obligation comparison 2428 01:59:17.760 --> 01:59:21.319 call Compass Insurance paying too much your coverage at dozens 2429 01:59:21.319 --> 01:59:24.039 of insurance companies find out now three O three seven 2430 01:59:24.039 --> 01:59:26.399 to seven to one help. You'll think you're his only 2431 01:59:26.520 --> 01:59:28.960 customer when you choose Frank durand the real estate Man 2432 01:59:29.000 --> 01:59:32.399 dot com to list your home with Remax Alliance three 2433 01:59:32.479 --> 01:59:40.560 oh three nine two zero sixteen twenty two. 2434 01:59:41.680 --> 01:59:43.960 All right three O three seven one three eight two 2435 01:59:44.000 --> 01:59:47.600 five five don't forget Barry Miller with Vester Eira. You 2436 01:59:47.600 --> 01:59:49.680 guys want to do it. I'm gonna recap real quick 2437 01:59:49.720 --> 01:59:51.800 what he's going on in this wominar. But I love 2438 01:59:51.840 --> 01:59:54.319 his program. Here's the bottom line. I don't care if 2439 01:59:54.359 --> 01:59:56.479 you know what you're doing in real estate or don't. 2440 01:59:56.720 --> 01:59:59.359 He takes all the leg workout. He knows how to 2441 01:59:59.359 --> 02:00:02.319 go out. Him his team go out and find pockets 2442 02:00:02.319 --> 02:00:05.319 of good economies around the country. Then they find a 2443 02:00:05.399 --> 02:00:08.319 house it's ready to rent out. You buy the house, 2444 02:00:08.560 --> 02:00:11.119 they find the right people to manage it for you, 2445 02:00:11.520 --> 02:00:14.239 and you collect rent. You make money right then and 2446 02:00:14.279 --> 02:00:17.479 there while the house is appreciating. When you want to 2447 02:00:17.520 --> 02:00:20.840 sell it, you sell your house. That's how it works. 2448 02:00:20.840 --> 02:00:23.399 It's that simple. And you only pay them the three 2449 02:00:23.520 --> 02:00:24.680 hundred what is it, very. 2450 02:00:24.560 --> 02:00:27.760 Three sixty a year optional optional. 2451 02:00:27.359 --> 02:00:31.039 And it's even an optional thing. So it's a remarkable deal. 2452 02:00:31.079 --> 02:00:34.520 But give me a real case scenario, someone that invested. 2453 02:00:34.560 --> 02:00:37.479 What give me your best case and average case, and 2454 02:00:37.640 --> 02:00:39.680 give me the worst case. And let's say in the 2455 02:00:39.760 --> 02:00:41.000 last five years. 2456 02:00:40.760 --> 02:00:44.239 Well, well, we don't have a worst case other than 2457 02:00:44.239 --> 02:00:48.079 the people have made thirty percent gain three year sent 2458 02:00:48.279 --> 02:00:51.720 that's the worst. But that's way rare, way rare. And 2459 02:00:51.760 --> 02:00:54.800 again I was doing two or three today in studio. 2460 02:00:55.000 --> 02:00:56.319 Give me a best, okay. 2461 02:00:56.479 --> 02:01:01.880 Typically all of these came in at forty two and 2462 02:01:01.960 --> 02:01:06.520 forty six and forty seven percent return in the first 2463 02:01:06.560 --> 02:01:09.000 twelve months conservatively. 2464 02:01:08.319 --> 02:01:09.920 Cash over cash, cash. 2465 02:01:09.600 --> 02:01:14.039 Over cash conservatively. We also look for positive cash flow. 2466 02:01:14.079 --> 02:01:17.039 We get that nowadays because of higher interest. Yeah, ninety 2467 02:01:17.079 --> 02:01:20.159 percent of the time, not one hundredep but until June 2468 02:01:20.239 --> 02:01:22.239 of last year it was one hundred percent of the 2469 02:01:22.319 --> 02:01:25.319 time positive cash flow in year one. 2470 02:01:25.399 --> 02:01:29.039 And they can purchase it however they want, meaning if 2471 02:01:29.039 --> 02:01:31.199 they have cash, they can do it however they want, 2472 02:01:31.439 --> 02:01:33.600 however they want, if they want to use the bank's 2473 02:01:33.600 --> 02:01:36.119 money and pay some interest, as long as they're cash 2474 02:01:36.199 --> 02:01:38.039 flow and they can do it. And you have people 2475 02:01:38.079 --> 02:01:39.279 that do more than one. 2476 02:01:39.199 --> 02:01:42.680 Ten thirty one exchanges all the time. That's just a 2477 02:01:42.680 --> 02:01:45.399 big one. That's how people can come in with seventy 2478 02:01:45.439 --> 02:01:49.920 five thousand today and have over five hundred thousand of 2479 02:01:50.079 --> 02:01:53.880 new dollars. That's half a million over new dollars in 2480 02:01:54.000 --> 02:01:55.159 five years or less. 2481 02:01:55.399 --> 02:01:58.319 That's pretty impressive. We do not all any taxes on that, 2482 02:01:58.760 --> 02:02:00.520 any of those the money they're bringing in. 2483 02:02:00.720 --> 02:02:02.159 We're doing it every day. 2484 02:02:02.359 --> 02:02:04.880 What's the worst. I know you don't do anything in 2485 02:02:04.920 --> 02:02:09.279 Colorado for more financial reasons or economy reasons or whatever. 2486 02:02:09.680 --> 02:02:12.640 But is there other places out there like Denver that 2487 02:02:12.720 --> 02:02:14.920 it's just hard to be a landlord that you would 2488 02:02:15.000 --> 02:02:17.279 never deal with. I mean, we know people that own 2489 02:02:17.319 --> 02:02:20.840 a lot of homes in and around Denver, Colorado, and 2490 02:02:20.960 --> 02:02:23.319 let me tell you, they want out of the business. 2491 02:02:23.479 --> 02:02:25.159 You know, one of them I'm talking to No, Oh, 2492 02:02:25.199 --> 02:02:27.000 you bet I do it. And they're coming to us 2493 02:02:27.039 --> 02:02:30.840 because they're saying, hey, we're finished with Colorado. 2494 02:02:31.199 --> 02:02:33.720 But hold on those people that we're talking about. Any 2495 02:02:33.800 --> 02:02:35.920 landlord out there is like, oh my god, I can't 2496 02:02:35.960 --> 02:02:38.800 believe I can't cancel my lease now after a year. 2497 02:02:38.880 --> 02:02:41.119 I can't do this, or I can't raise my rent 2498 02:02:41.159 --> 02:02:44.119 more than whatever. The bottom line is, you've got a 2499 02:02:44.119 --> 02:02:46.560 lot of people come to you saying, hey, listen, I 2500 02:02:46.640 --> 02:02:49.159 want to do a ten thirty one exchange. I want 2501 02:02:49.159 --> 02:02:51.960 to get out of Denver. Go find me, yeah, out 2502 02:02:51.960 --> 02:02:54.039 of Colorado and go find me some stuff. 2503 02:02:54.359 --> 02:02:56.520 Yep. I mean, just like that, it's doing all the time. 2504 02:02:56.560 --> 02:02:58.439 There are only four or five states that are as 2505 02:02:58.520 --> 02:03:01.239 bad as we are or worse. Okay most of the 2506 02:03:01.239 --> 02:03:03.439 others California, New York, California. 2507 02:03:03.520 --> 02:03:07.039 Yeah, so folks out there, listen, I know you hear 2508 02:03:07.119 --> 02:03:09.199 Tom and I talk about these guys all the time 2509 02:03:09.279 --> 02:03:12.319 literally and buries in like every I don't know, once 2510 02:03:12.359 --> 02:03:14.279 a month like he is today. But I want you 2511 02:03:14.319 --> 02:03:17.239 to go to my Biggest return dot com. It's just 2512 02:03:17.279 --> 02:03:20.760 a webinar. Sit down, start it and learn the program. 2513 02:03:21.479 --> 02:03:23.640 If it's boring to you and you have no interest, 2514 02:03:23.680 --> 02:03:25.840 turn it off. But the bottom line is go to 2515 02:03:25.920 --> 02:03:28.640 my Biggest return dot com and just sign up and 2516 02:03:28.680 --> 02:03:31.079 they can ask you. It's a pure Q and a right. 2517 02:03:31.159 --> 02:03:34.479 Well not during the forty five minutes. It's compact powerpack, 2518 02:03:34.800 --> 02:03:37.760 but we stay afterwards. Let everybody know in advance. 2519 02:03:37.880 --> 02:03:40.680 So people ask questions, ask questions after whatever they want. 2520 02:03:40.760 --> 02:03:42.159 Whatever they want about. 2521 02:03:41.920 --> 02:03:44.359 Ten thirty one, how does it work? Who does it? 2522 02:03:44.439 --> 02:03:48.199 Blah blah blah about lousy title title companies. They could 2523 02:03:48.199 --> 02:03:48.680 ask us. 2524 02:03:48.760 --> 02:03:52.399 Okay, now once again my Biggest return dot com. You 2525 02:03:52.439 --> 02:03:54.800 want to be a landlord, but I mean literally, not 2526 02:03:54.840 --> 02:03:57.840 do anything but fund the project. There you go, great 2527 02:03:57.880 --> 02:04:02.760 track record, good guy. So this uh this Tarzan guys, 2528 02:04:03.760 --> 02:04:07.279 So Tarzan Title Company, in my opinion, just as just 2529 02:04:07.399 --> 02:04:11.319 my opinion, did the total wrong thing and basically told 2530 02:04:11.399 --> 02:04:12.920 them they had to send the money back. I mean, 2531 02:04:12.960 --> 02:04:15.680 I'm looking at the damn email. None of us in 2532 02:04:15.720 --> 02:04:20.079 this room can imagine under any circumstances, how after you 2533 02:04:20.199 --> 02:04:22.760 close a deal to a title company, they hand the 2534 02:04:22.800 --> 02:04:26.439 other person the key three or four days later they 2535 02:04:26.479 --> 02:04:28.000 want to get out of it. And this is a 2536 02:04:28.079 --> 02:04:32.000 title company we're talking about. So, Dimitri, you called up 2537 02:04:32.079 --> 02:04:33.439 and let me I want to pull up the name 2538 02:04:33.439 --> 02:04:34.439 of the title company. 2539 02:04:35.079 --> 02:04:38.119 What is Koonsman Title Company up in Nebraska? 2540 02:04:38.239 --> 02:04:41.000 So Koonsman Title Company? You called up, and I assume 2541 02:04:41.039 --> 02:04:42.279 you talked to Wendy or who'd you? 2542 02:04:42.760 --> 02:04:44.680 Yeah, Wendy actually answered the phone and we had a 2543 02:04:44.680 --> 02:04:48.119 brief conversation about this. And you know, I didn't call 2544 02:04:48.199 --> 02:04:50.640 to point any fingers at are accuser of any wrongdoing. 2545 02:04:50.720 --> 02:04:52.640 I just asked her for a comment and present her 2546 02:04:52.680 --> 02:04:54.239 side of the story or her company side of this. 2547 02:04:54.359 --> 02:04:55.039 And what she said. 2548 02:04:55.199 --> 02:04:57.720 Wendy said that she would love to present her side 2549 02:04:57.720 --> 02:05:00.760 of the story, but she's on able to do so 2550 02:05:00.880 --> 02:05:05.720 until mister Tarzan responds to an email that she had 2551 02:05:05.760 --> 02:05:08.439 sent him. So I asked, well, which email are we 2552 02:05:08.479 --> 02:05:10.560 talking about? The one where you said that you're or 2553 02:05:10.600 --> 02:05:13.600 somebody's rescinding the sale, And she said, I can't comment 2554 02:05:13.640 --> 02:05:16.279 on that right now, but mister Tarzan knows what email 2555 02:05:16.359 --> 02:05:17.600 that he needs to respond to? 2556 02:05:17.920 --> 02:05:20.319 Tarzan, is there another one or just that one he's 2557 02:05:20.359 --> 02:05:21.000 referring to. 2558 02:05:21.680 --> 02:05:23.359 It's got to be that one that he That was 2559 02:05:23.399 --> 02:05:24.960 the last communication we had. 2560 02:05:25.680 --> 02:05:28.199 So, by the way, she didn't ask for a response. 2561 02:05:28.239 --> 02:05:30.880 You see the email, Yeah, somebody read me the email. 2562 02:05:30.880 --> 02:05:33.680 There was no there was no request for a response. 2563 02:05:34.039 --> 02:05:36.600 But I assume John and correct me if I'm wrong. 2564 02:05:36.680 --> 02:05:39.399 But if I were mister Tarzan, wouldn't I say something 2565 02:05:39.439 --> 02:05:41.720 along the lines of, hey, I do not agree to 2566 02:05:41.760 --> 02:05:45.800 rescind anything. He also did not say under what's under 2567 02:05:46.199 --> 02:05:49.039 paragraph twenty seven, you know, pursue to paragraph twenty seven 2568 02:05:49.119 --> 02:05:52.960 of our contract, you're rescind on this and where's my 2569 02:05:53.039 --> 02:05:56.039 money it was supposed to be here on Tuesday. To me, 2570 02:05:56.199 --> 02:05:57.760 that sounds like a sufficient. 2571 02:05:57.479 --> 02:06:00.439 It's not legal advice because this is Nebraska, John, but 2572 02:06:00.640 --> 02:06:04.119 just in general, and nor is it really your specialty. 2573 02:06:04.159 --> 02:06:06.720 Although I know you've done a bunch of deals. But 2574 02:06:06.880 --> 02:06:10.880 the bottom line is, like, how would you reply personally. 2575 02:06:12.920 --> 02:06:18.640 Well, I think if I were responding personally and not 2576 02:06:19.159 --> 02:06:23.399 giving legal advice, yeah, I would respond that you know 2577 02:06:24.520 --> 02:06:28.039 this is a done deal. I expect that my money 2578 02:06:28.079 --> 02:06:33.199 will be wired immediately, and you know to the extent 2579 02:06:33.239 --> 02:06:37.119 that you don't agree to do that, you should probably 2580 02:06:37.119 --> 02:06:38.960 put your own any carrier on notice. 2581 02:06:39.039 --> 02:06:41.359 I don't know. I don't know what I would say, Barry. 2582 02:06:41.560 --> 02:06:45.000 I think if I were Tarzan, I would say no 2583 02:06:45.159 --> 02:06:48.520 response is needed yet, but I would go to an 2584 02:06:48.560 --> 02:06:52.479 attorney quickly and have my attorney respond on your. 2585 02:06:52.439 --> 02:06:54.960 Time that it's really time that you need an attorney 2586 02:06:55.000 --> 02:06:57.960 on your side here, because I really think it's a 2587 02:06:58.000 --> 02:07:00.800 power play. But you're right, I do. I think that 2588 02:07:01.279 --> 02:07:03.560 I think this title company is in a bad situation. 2589 02:07:03.760 --> 02:07:07.800 They're in a pickle, and I would hope that money 2590 02:07:07.880 --> 02:07:11.279 is still sitting in their trust account. But proper guidance 2591 02:07:11.319 --> 02:07:14.239 from an attorney that you hire could inspire them to 2592 02:07:14.279 --> 02:07:16.159 do the right thing and tell this lady you need 2593 02:07:16.199 --> 02:07:18.199 to go take care of your house, but this is 2594 02:07:18.239 --> 02:07:18.720 a done. 2595 02:07:18.600 --> 02:07:21.359 Deal, Tarzan. What I would do is pretty much a 2596 02:07:21.359 --> 02:07:25.079 little combo here. I would email them something like this 2597 02:07:25.239 --> 02:07:29.239 is unacceptable. I do not understand for the life of me, 2598 02:07:29.840 --> 02:07:34.199 nor do some legal experts I've talked to in Nebraska, 2599 02:07:34.920 --> 02:07:38.239 and this just makes no sense. I want the money 2600 02:07:38.239 --> 02:07:40.520 wired to me, or I'm going to have to retain 2601 02:07:40.600 --> 02:07:44.520 counsel and see how they reply. If they reply anything, 2602 02:07:44.600 --> 02:07:47.000 but the money's going to be there the next day, 2603 02:07:47.600 --> 02:07:49.960 you go get an attorney. I mean, at that point 2604 02:07:50.279 --> 02:07:52.920 you might give them one shot because they're bluffing and 2605 02:07:52.960 --> 02:07:55.760 they know they're screwed. But they're all good old boys 2606 02:07:55.800 --> 02:07:58.560 winking at each other. But man, I mean, I don't 2607 02:07:58.560 --> 02:08:01.520 know what else you would do, dude, And I really 2608 02:08:01.560 --> 02:08:04.920 want to get Brad O'Brien on tomorrow. I mean, John, 2609 02:08:05.000 --> 02:08:07.319 how much different I know you don't know the question 2610 02:08:07.399 --> 02:08:10.039 to this. I mean I could ask Brad O'Brien how 2611 02:08:10.039 --> 02:08:13.439 different Nebraska is in Colorado and he doesn't know the answer. 2612 02:08:13.680 --> 02:08:17.319 But in general, my god, once again, a title company 2613 02:08:17.399 --> 02:08:20.640 is there for exactly this, to rescind a deal or 2614 02:08:20.720 --> 02:08:24.880 allow either side to rescind a deal three four days later? 2615 02:08:25.159 --> 02:08:27.520 I have never heard of in my life, unheard of. 2616 02:08:28.560 --> 02:08:30.119 So Tarzan, what do you think? 2617 02:08:31.760 --> 02:08:33.880 Yeah, I mean, I'm just gonna send her an email 2618 02:08:33.920 --> 02:08:36.039 that says basically what you guys said, I'm just going 2619 02:08:36.119 --> 02:08:39.000 to say, hey, this is unacceptable. This thing was closed. 2620 02:08:39.239 --> 02:08:41.680 You said you were going to wire my phones on Tuesday. 2621 02:08:42.159 --> 02:08:46.359 I was expecting that, and and if that doesn't happen 2622 02:08:46.399 --> 02:08:49.600 immediately within the next forty eight hours, I'll contact lawyer 2623 02:08:49.640 --> 02:08:51.239 or I'll contact legal advice. 2624 02:08:51.439 --> 02:08:54.159 I probably, honestly, if you if you don't get a 2625 02:08:54.199 --> 02:08:58.800 reply by noon Friday, meaning tomorrow, I'd start calling attorneys. 2626 02:08:58.840 --> 02:09:03.119 Bro John, do you have like in his area? Do 2627 02:09:03.159 --> 02:09:05.039 you have don't you guys have I don't want to 2628 02:09:05.039 --> 02:09:08.239 say like the Yellow Pages, but attorneys you would suggest 2629 02:09:08.319 --> 02:09:09.760 for him in other states. 2630 02:09:09.840 --> 02:09:10.960 We all just know each other. 2631 02:09:11.079 --> 02:09:15.840 Oh, shut it, no, I mean I'm sure there Brad 2632 02:09:15.880 --> 02:09:19.239 may know somebody. I mean, he's probably organizations that have 2633 02:09:19.399 --> 02:09:21.960 more of a national you know, membership and stuff. 2634 02:09:22.039 --> 02:09:22.359 He does. 2635 02:09:22.600 --> 02:09:25.439 The people that I run with are all person kind 2636 02:09:25.479 --> 02:09:26.560 of people and stuff. 2637 02:09:26.600 --> 02:09:30.399 So it's so Tarzan listens, I want I want Suzanne 2638 02:09:30.439 --> 02:09:33.279 to get you on at ten am tomorrow, and we're 2639 02:09:33.439 --> 02:09:36.159 as soon as we can get Brad O'Brien. So are 2640 02:09:36.159 --> 02:09:38.560 we good? Hold on, make sure we got the information. 2641 02:09:39.399 --> 02:09:43.680 It's absolutely crazy. I gotta take a break, guys, Cody, 2642 02:09:43.720 --> 02:09:47.159 hold on, I'm sorry, Cody, you've been holding so dang long. 2643 02:09:47.199 --> 02:09:47.800 It's my bad.