Speaker 1: Yeah, ripped off news, need advice? Who you don't help?
Speaker 2: Come running just as sass as we can.
Speaker 1: Shooter's gonna help. Come man.
Speaker 3: This is the Troubleshooter Show now, Tom Martinez.
Speaker 4: Welcome my friends to the only show of it's kind.
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Speaker 4: like Deputy Doc to my right, Deputy Doc. How are
Speaker 4: you this morning, sir?
Speaker 5: I'm rare to go to help people with whatever problems
Speaker 5: I have.
Speaker 4: Mark, I absolutely love it. We've got Kelly answering your
Speaker 4: calls and Shannon running the board. The phone number is easy.
Speaker 4: I'll always tell you when the line's open. Right now,
Speaker 4: we have two open, three h three seven one three
Speaker 4: eight two five five three zero three seven one three
Speaker 4: eight two five five. I am trying to get an
Speaker 4: attorney on that basically sued Colorado, and it really does.
Speaker 4: It comes down to the state over the seventy five
Speaker 4: dollars civil penalty of crossing the double lines. It's insane.
Speaker 4: Kelly emailed me this last night, and I believe it
Speaker 4: was nine News that put it on, and I think
Speaker 4: Kelly was that yesterday. Do you know, did you actually
Speaker 4: see it yesterday live or what?
Speaker 6: No.
Speaker 4: I saw it on Twitter and I was flat acid. Yeah,
Speaker 4: I mean, I'm pretty I'm pretty shocked by the whole thing.
Speaker 4: So the bottom line is this guy suit and we're
Speaker 4: gonna talk about it whether we can get him on
Speaker 4: or not. But I've actually texted Is a cell phone
Speaker 4: and reached out to him and Kelly as as well.
Speaker 4: So we really want to get this guy's on. But
Speaker 4: how many people out there have gotten these seventy five
Speaker 4: dollars tickets. I know a lot of people got the
Speaker 4: warnings before they went live with it. But here's the
Speaker 4: bottom line. We see these double lines everywhere. Now. The
Speaker 4: one I see all the time is if I'm driving
Speaker 4: from our house or from Castle Rock to Colorado Springs.
Speaker 4: That double line is absolutely everywhere, and your car if
Speaker 4: you go into the double line. What they say is
Speaker 4: it's an infraction. But the problem is the infraction is
Speaker 4: not what the infraction rules say, so this attorney, so
Speaker 4: basically they say, you're not if I recall them, I'm
Speaker 4: going to pull up the information. But here's the bottom
Speaker 4: line of what the attorney said. And by the way,
Speaker 4: he won. He won and did not have to pay
Speaker 4: the seventy five bucks. But he's an attorney. It would
Speaker 4: cost the average Joe a ton of money to do this.
Speaker 4: But here's basically what happened. It's really bonkers. If you
Speaker 4: read the statute, it says it's not paying a toll.
Speaker 4: So they're using a statute of not paying a toll
Speaker 4: by giving you an infraction for driving over the double lines,
Speaker 4: which he argued in front of a judge. That's insane.
Speaker 4: I did pay the toll because he did go into
Speaker 4: the lane. He just went into it late, so we
Speaker 4: went through the double lines. Listen to this. It's nuts.
Speaker 4: He goes through the double lines and he goes through
Speaker 4: the toll and his toll account got billed. So he
Speaker 4: showed the judge, Look, I did get billed. I got
Speaker 4: built on the toll right where I got this ticket,
Speaker 4: So I did pay the toll. And the statute talks
Speaker 4: about not paying a toll. How can you give me
Speaker 4: a ticket for seventy five dollars or a civil penalty
Speaker 4: for seventy dollars for crossing a double line when that's
Speaker 4: not even the infraction. If there was an infraction for
Speaker 4: reckless driving or something that would have to come from
Speaker 4: a police officer, it cannot come in the method that
Speaker 4: he got and he won, and he's thinking about doing
Speaker 4: listen to this, he's actually thinking of getting everybody together
Speaker 4: that's paid that seventy five dollars in doing a class action.
Speaker 4: I absolutely want to get this guy on and understand
Speaker 4: it better, and I would love to help feed him
Speaker 4: different people. Because how many calls have we gotten on this,
Speaker 4: I'd say, what do you think, Kelly? At least twenty five?
Speaker 4: I'd say at least twenty five, maybe just in the
Speaker 4: last month. We get them absolutely all the time, Yes,
Speaker 4: and I'm sick and tired of it. I mean, it
Speaker 4: is kind of strange if you're paying the toll. I
Speaker 4: understand that people are trying to get around the toll,
Speaker 4: that's an infraction. But people that act get in and
Speaker 4: end up paying the toll or get out of it
Speaker 4: because they're about to miss their exit, depending on where
Speaker 4: you are. This particular attorney was somewhere on I believe
Speaker 4: it was I twenty five and then going onto E
Speaker 4: four seventy. But it's just crazy. So we're going to
Speaker 4: try to get them on a little later in the
Speaker 4: show and talk about that. Three oh three seven one
Speaker 4: three eight two five five three oh three Martino, Hey, Danny,
Speaker 4: what's going on?
Speaker 7: Uh?
Speaker 8: Yeah, I was.
Speaker 7: I was in a car accident, little fender bender. Uh
Speaker 7: the other party I got noticed from my adjuster State
Speaker 7: Farm adjuster that I'm being sued by the other possibility
Speaker 7: of being sued, let me put it that way. Uh,
Speaker 7: apparently the other party has an attorney that got in
Speaker 7: contact with my adjuster and gave my adjuster. Uh've been
Speaker 7: pushing my adjuster from Affi Davids that I'm supposed to
Speaker 7: sign and so they sent it to me and it's
Speaker 7: all it's all uh lawyer language. Oh, I'm supposed to
Speaker 7: mark the box if it's if it's true. Or true
Speaker 7: or untrue.
Speaker 4: Hey, Danny, I want to go back. I want to
Speaker 4: go back in time a little bit. Explain the accident
Speaker 4: to me.
Speaker 7: Uh, I got I got I ran a red light.
Speaker 7: I got charged with running a red light, got it,
Speaker 7: and other person plowed into me.
Speaker 4: Well, you ran the red light. What do you mean
Speaker 4: they plowed on into you? They was it in an intersection?
Speaker 4: They t boned you?
Speaker 7: Yeah, I just I just got into the intersection and
Speaker 7: was plowed in and I got hit by her.
Speaker 4: Yeah, but like t boned right, you got hit in
Speaker 4: the side of the car. Where'd you get hit?
Speaker 7: She hit me right right about the front wheel, got it,
Speaker 7: and I was I was westbound and it hit me
Speaker 7: and it spun me southbound.
Speaker 4: And you did run the red light. How much coverage
Speaker 4: do you have? And who is your insurance?
Speaker 7: Come company, State, Farm and twenty five thousand dollars maximum,
Speaker 7: just like the state requires that. I just got the minimum.
Speaker 4: Boy, Danny, Danny, let me ask you something, and we're
Speaker 4: gonna we're gonna help you out. In fact, I'm going
Speaker 4: to get an expert on because there's a couple of
Speaker 4: things going on here. Let me kind of get directly
Speaker 4: to your question. Then we'll work through the whole thing.
Speaker 4: But directly to your question, your insurance company has to
Speaker 4: defend you have has an has an attorney reached out
Speaker 4: and then these affidavids they want you to sign. Did
Speaker 4: your insurance company send them to you or did they?
Speaker 4: Did State Farm send them to you? Directly?
Speaker 7: My State Farm is my insurance company. The other person's
Speaker 7: lawyer gave these affidavits to my State farm adjuster, got it?
Speaker 7: Who relate them to me and is bugging me to
Speaker 7: fill them out and send them back.
Speaker 4: Yeah. So give me an idea of one of the
Speaker 4: questions that you're a little nerves about.
Speaker 7: Uh, there's the I'm supposed to say, Mark, what's true
Speaker 7: in the box?
Speaker 4: Yeah, So give me an idea what's in say?
Speaker 8: Okay?
Speaker 9: Uh?
Speaker 7: I understand that the information being supplied in the Sabademan
Speaker 7: is being used and relied upon by her name and
Speaker 7: her attorney determining whether to accept payment within State Farm
Speaker 7: insurance policy coverage of twenty five thousand dollars in settlement
Speaker 7: of the claims injury relating to the accident. I understand
Speaker 7: that this decision was based on my representation and this
Speaker 7: is the only insurance available for this claim and all
Speaker 7: other representations here out.
Speaker 4: All of that seems true. Every bit of that seems true.
Speaker 10: Well, but.
Speaker 7: I've never seen a thing like this where where where
Speaker 7: I'm supposed to mark if it's true or not.
Speaker 4: Yeah, well, I understand exactly what they're asking you. They're saying,
Speaker 4: do you have any other insurance? What are your assets like?
Speaker 4: Hat of curiosity. I'm sure you didn't have any other insurance,
Speaker 4: but what are your assets like? So, in other words,
Speaker 4: do you own your house?
Speaker 7: Yeah, I'm eighty one years old, I'm retired, I'm social Security.
Speaker 9: Yeah.
Speaker 4: How much is your houseworth?
Speaker 9: Though?
Speaker 7: Except Biden, by today's standard, it's like eight hundred.
Speaker 4: Thousand and you got it paid off.
Speaker 7: Yeah, I've been here for fifty years.
Speaker 4: Yeah, Okay, listen, I want to do a couple things here.
Speaker 4: Let me put you on hold. I'm a little concerned,
Speaker 4: so I do want to get John Fuller on Kelly.
Speaker 4: I do Hey, Brian, I know you're holding and you've
Speaker 4: got a very limited time. I'm gonna have Kelly call
Speaker 4: you back. But really what I want to get is
Speaker 4: on John Fuller first, So hold on, Danny. We're going
Speaker 4: to get you some help in some advice. I'm a
Speaker 4: little nervous for you right now, I really am, But
Speaker 4: I want to get John Fuller's take on this.
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Speaker 4: Sorry, three oh three seven one three eight two five five. Look,
Speaker 4: I got John Fuller up. He's an expert and he's
Speaker 4: an attorney. But I need to use this as a
Speaker 4: learning lesson for everybody listening. Poor Danny, he's eighty one
Speaker 4: years old. He owns his house outright. It's worth maybe
Speaker 4: eight hundred thousand, and Danny, don't worry. No one knows
Speaker 4: your last name. But he actually ran a red light
Speaker 4: and someone hit him. But of course he's he He
Speaker 4: was the one that had caused the infraction, and the
Speaker 4: bottom line is the accident's his fault. The other insurance
Speaker 4: company is coming after him. His own insurance company, State Farm,
Speaker 4: is sending them multiple affidavits to sign. And we're going
Speaker 4: to ask John how normal that is. And his insurance
Speaker 4: company does have to provide a defense. But I want
Speaker 4: to tell people something. In this particular case, he has
Speaker 4: a minimal Having the minimal amount of insurance. Honestly, folks,
Speaker 4: is crazy. When you have assets that are sixteen times
Speaker 4: at sixteen times at think about that. There's people out
Speaker 4: there right now. You know how much your house has
Speaker 4: increased in value. Maybe you started buying insurance fifteen years ago.
Speaker 4: Now you're in your mid thirties or forties and you
Speaker 4: actually have assets in equity, but you still have that
Speaker 4: minimal amount of coverage. If I had three hundred thousand
Speaker 4: dollars in damages due to you, and you only had
Speaker 4: two twenty five thousand dollars of insurance, but I knew
Speaker 4: about your eight hundred thousand dollars home, what would I do?
Speaker 4: I would call up John Fuller or a personal injury attorney,
Speaker 4: and I would say, I don't want to twenty five thousand.
Speaker 4: That leaves me two hundred and seventy five thousand dollars
Speaker 4: in the hole. Help my car costs seventy five thousand
Speaker 4: dollars that the guy ruined. Think about that, Think about
Speaker 4: your assets and what insurance is there for. It's to
Speaker 4: protect you. It is to protect you. So John Fuller, Hey, John,
Speaker 4: this is a two part question to you. One, you
Speaker 4: just kind of heard everything I was telling everybody. I'd
Speaker 4: love your thoughts on that. But second of all, what
Speaker 4: is the limit if someone has just the bare minimum
Speaker 4: for liability insurance and there's a lot of damage done
Speaker 4: that they caused and their insurance company is getting sued
Speaker 4: or that you know, they have to represent that person
Speaker 4: in a lawsuit. Is there a maximum amount of money
Speaker 4: the policy would pay out to the lawyer? Does that
Speaker 4: make sense? Or do they have to put on a
Speaker 4: defense at any cost?
Speaker 12: Well, first and foremost, I mean to your specific question.
Speaker 12: If State Farm is defending this matter, the lawyer that's
Speaker 12: defending it is a State Farm employee, got it. They're
Speaker 12: not going out and hiring an outside attorney. In ninety
Speaker 12: nine percent of the cases, they're sending the file down
Speaker 12: the hall to one of their staff attorneys, who you know,
Speaker 12: is kind of a pseudo employee. They'll technically be the
Speaker 12: employee of you know, Bob Jones Law office or something,
Speaker 12: but Bob's an employee and has an office down the
Speaker 12: hall in the State Farm building. So they're really they're really,
Speaker 12: really a State Farm employee and that's their job is
Speaker 12: to defend this gentleman under the policy.
Speaker 4: But do they have to defend them? Okay? Here, I
Speaker 4: guess here's the exact question. Then I didn't phrase it
Speaker 4: right to you.
Speaker 12: I think I know where you're going.
Speaker 4: Can they say we're going to give them case. We're
Speaker 4: going to give them twenty five thousand dollars, which is
Speaker 4: exactly the coverage you have, and then we're done with it.
Speaker 4: Or do they have to give them the twenty five
Speaker 4: and defend and defend them if they decide to go
Speaker 4: after other assets and there is more damage.
Speaker 12: Okay, So that's a multi part question, And the bottom
Speaker 12: line is this The only way the insurance company is
Speaker 12: going to pay anything anything is in exchange for a
Speaker 12: complete release of all liability or a jury verdict that
Speaker 12: exceeds their policy limits amount. And if the jury verdict
Speaker 12: exceeds the policy limits amount in most cases, barring a
Speaker 12: bad base scenario to the whole separate topic, they're going
Speaker 12: to pay out their twenty five and be done with it.
Speaker 12: But that'll be at the end of the entire representation
Speaker 12: and going all the way through a.
Speaker 4: Trial, and then they can try to collect what's then
Speaker 4: the other company would try to collect.
Speaker 12: They can go they can go after or this plaintiff
Speaker 12: can go after the collection of the balance of their damages.
Speaker 4: Okay, judge, but let me tell you.
Speaker 12: What's really going on here. Okay, here's the scoop. This
Speaker 12: guy hurts somebody, and everybody's trying to figure out what
Speaker 12: his ill is. They find it pretty hard to believe
Speaker 12: that this guy with the free and clear house has
Speaker 12: the state minimum of insurance, which is the cheapest level
Speaker 12: you can carry high logs, and they're trying to figure
Speaker 12: out and probably it's his uninsured motorist carrier, meaning the
Speaker 12: carrier for the injured party, who is looking at being
Speaker 12: held responsible for some of the damages because they exceed
Speaker 12: the twenty five thousand. They're trying to make a decision
Speaker 12: as to whether they'll grant permission for them to accept
Speaker 12: the twenty five and let the guy off the hook.
Speaker 12: So what does that mean. It means that if you
Speaker 12: have assets and you voluntarily choose to under insure yourself,
Speaker 12: a subsequent insurance company may say, no, we're not going
Speaker 12: to give permission and we'll go directly after this guy
Speaker 12: for the full amount of your damages because we believe
Speaker 12: that he was voluntarily underinsured relative to his financial.
Speaker 4: Where I get it, World, I get it, John, Let
Speaker 4: me do this. I'm going to bring him up. His
Speaker 4: name is Danny, and he called up because State Farm
Speaker 4: sent him this information from the other person. What read
Speaker 4: that affidavit again, Danny?
Speaker 7: Well there, it's it's quite long. But the the partment
Speaker 7: where they the financial I mean they go on and
Speaker 7: on and on on financially.
Speaker 4: They want everything there is. It's basically hold on, hold on, John,
Speaker 4: Is it basically interrogatories? And does he have to fill
Speaker 4: this out?
Speaker 12: Interrogatory? It's not in litigation. He can choose to throw
Speaker 12: it out or or he doesn't. It's up to him.
Speaker 12: But and here's what's going on. They're trying to decide
Speaker 12: whether or not to take his crappy twenty five and
Speaker 12: he needs to fill that out. One of the conditions
Speaker 12: that the planet's attorney on the other side is imposing
Speaker 12: is I'll only agree to accept the twenty five if
Speaker 12: the guy doesn't have any other assets or any other
Speaker 12: policies that might be available, such as maybe an undisclosed
Speaker 12: umbrella policy or something, so the guy can fill it
Speaker 12: out and maybe they'll conclude that there's nothing else worth
Speaker 12: going after, or he can choose not to and then
Speaker 12: the next thing will be a knock on the door
Speaker 12: and he'll be getting sued and he can disclose all
Speaker 12: that information down the road when they get a big judgment.
Speaker 4: Well, here's his direct question. Should he fill it out
Speaker 4: now or not? Or should he wait? I mean, it
Speaker 4: seems to me it really doesn't matter because ultimately it's
Speaker 4: going to happen.
Speaker 12: Well, I know when I send out those affidavits on
Speaker 12: behalf of my clients, it's normally because I'm either trying
Speaker 12: to make sure there's no other coverage so that I
Speaker 12: can then move along to the uninsured motorist policy and
Speaker 12: go after more money than I know I can collect.
Speaker 12: And if the person ever refused to fill it out,
Speaker 12: that would just tell me they've got assets somewhere, and
Speaker 12: I would immediately follow a lawsuit, so you can let
Speaker 12: that guide your caller on whether or not to fill
Speaker 12: it out. It's probably somebody trying to decide, I guess,
Speaker 12: whether or not they should accept the twenty.
Speaker 4: Five and that could very well be a bad person's
Speaker 4: insurance because they have underinsured coverage.
Speaker 12: Yeah, that's exactly right. And let me just throw this
Speaker 12: one little kicker on there. I'm not giving this guy
Speaker 12: legal advice at all.
Speaker 4: Yeah, but I'll tell you.
Speaker 12: Who will give him legal advice. And if he really
Speaker 12: insisted upon it, State Farm would probably let him talk
Speaker 12: to one of the State Farm attorneys to advise him
Speaker 12: on what his options are relative to that appidation.
Speaker 4: Well, hold on, hey, Danny, state Farm, who actually sent
Speaker 4: you this stuff? Your insurance company, right yours?
Speaker 7: Yeah, he was a State Farm.
Speaker 4: Yeah, but he's here. So but they came from it's
Speaker 4: the game from the other side. It came from the
Speaker 4: other side. So what John just said is if you
Speaker 4: call up your adjuster, say hey, I want to talk
Speaker 4: to one of your attorneys on that, they most likely will. John,
Speaker 4: I want to bring this one step further. And Danny,
Speaker 4: I'm not sure the answer to this, but your whole
Speaker 4: situation makes me really nervous because of your assets. But
Speaker 4: you did do something wrong. I get it. But here, John,
Speaker 4: if he does get sued, let's say there is a
Speaker 4: judgment for eight hundred thousand or whatever it is, what
Speaker 4: happens if he wants different representation than State Farm. I mean,
Speaker 4: he might want to bring on somebody else because State
Speaker 4: Farm realizes they only have to pay up twenty five thousand.
Speaker 4: He might want to hire someone a lot better than
Speaker 4: someone working in a cubicle.
Speaker 12: Yeah, that's that's you know. I would defer you to
Speaker 12: his policy, which gives them the right to defend and
Speaker 12: the right to about how to handle the claim. And
Speaker 12: certainly he's entitled to his own counsel, and that council
Speaker 12: would be you in charge of communicating and protecting his
Speaker 12: personal interest in this, which is somewhat different than the
Speaker 12: State Farm interest, which is exactly what you're saying. And
Speaker 12: that comes up a lot mark when we had situations
Speaker 12: where the plantiff may have said, we'll take policy limits
Speaker 12: if you pone him up right now, and if the
Speaker 12: insurance company puts their interest ahead of their insured and
Speaker 12: refuses to pay those limits, then we believe that there's
Speaker 12: a conflict between the interests of the insured and the
Speaker 12: insurance company, and that almost requires independent counsel to keep
Speaker 12: the insurance company honest and to move forward, because in
Speaker 12: that situation, the insurance company could be held liable for
Speaker 12: that whole eight hundred thousand.
Speaker 4: Hey, Danny, what kind of damage? Was an ambulance showed
Speaker 4: up or anything like that? What happened? What kind of damage?
Speaker 4: I assume. I don't care, no offense to you. I
Speaker 4: don't care about you. I'm talking to the other people.
Speaker 4: Did there is your entire car look like it's gone
Speaker 4: or truck? Did they have injuries? Did an ambulance show up?
Speaker 12: I don't.
Speaker 7: I don't know. This sounds weird, but but I got
Speaker 7: knocked out and I drove my car to get out
Speaker 7: of the intersection, and I sat there and I never
Speaker 7: could see the accident sight. So I didn't know anything
Speaker 7: until I got that. I got this loss or got
Speaker 7: this message from my thing. I don't know if the
Speaker 7: amorys showed up or whatever. There was basically nothing done
Speaker 7: to me. I had a little bruise out there.
Speaker 4: Danny, you've got to call You've got you've got to
Speaker 4: call State Farm and asked to talk to one of
Speaker 4: the attorneys. Tell them you guys sent me this stuff.
Speaker 4: I need advice from you. You guys are supposed to
Speaker 4: represent me. What is going on with this? Should I
Speaker 4: fill them out? Should I not fill them out? What
Speaker 4: I'm worried about is if they if they see or
Speaker 4: smell blood, that they're going to try to get everything
Speaker 4: they can. And and I don't want to beat you up.
Speaker 4: This is really for other people listening. If you have
Speaker 4: eight hundred thousand dollars plus or a million dollars in assets,
Speaker 4: or four hundred thousand dollars in assets, don't have twenty
Speaker 4: five thousand dollars in liability insurance, you can get wiped out.
Speaker 9: That's good advice.
Speaker 12: I understand advice.
Speaker 4: I know it's a little too late now for that,
Speaker 4: but Danny, do me a favor. I want Kelly to
Speaker 4: get all your info, and I want to follow this
Speaker 4: with you and if you have more questions. But I'd
Speaker 4: love to know what State Farm ultimately tells you when
Speaker 4: you call them, So call them today. I'd love to
Speaker 4: hear back from you today and hear what their attorney said,
Speaker 4: or if they refuse to let you talk to one
Speaker 4: of their attorneys for advice. Then what would you do, John,
Speaker 4: real quick?
Speaker 12: Well, then then I would get a private attorney to
Speaker 12: advise me and to potentially communicate with state barm YEP
Speaker 12: about their their handling of this. Yes, I would it
Speaker 12: would be well or the a couple hours of whatever
Speaker 12: an attorney would cost you to do that.
Speaker 4: And ultimately that is a personal injury attorney just acting
Speaker 4: on the other side.
Speaker 12: That's that's right, that's right.
Speaker 7: Go ahead, Danny, go ahead. That's what I want. That's
Speaker 7: what I want. I want an an attorney that I
Speaker 7: can have a consultation with. And uh, I called John
Speaker 7: Fuller and your screeners said you wouldn't do that because
Speaker 7: you would be on the other side. So uh, injured parties.
Speaker 7: So that's that's really a but here's a crazy thing
Speaker 7: about it. Okay, and and and you know I didn't
Speaker 7: take your call, but that's exactly what I would have
Speaker 7: told you as well. That we you know, we represent.
Speaker 7: I'm not going to represent.
Speaker 12: This is so so. But here's the thing when it
Speaker 12: comes up that we have that we have situations where
Speaker 12: an insurance company may be refusing the tender limits or
Speaker 12: we get in one of these situations we often work
Speaker 12: with another plaintiffs attorney that we hand so leg so
Speaker 12: listen carefully to what I'm saying. The plaintiff's attorney will
Speaker 12: often hand select the attorney that's going to individually advise
Speaker 12: the defendant on his communication and his decisions relative to
Speaker 12: his own insurance company. So what I might suggest to
Speaker 12: you is again, talk to your adjuster and if you
Speaker 12: express some you know, if you ask the hard questions here,
Speaker 12: what's going on? Is this you know APPIDVID being tendered
Speaker 12: to me in response to a policy limits demand? Or
Speaker 12: really what is going on? And if they can't give
Speaker 12: you good answers and they won't let you, you know,
Speaker 12: talk to one of their staff counsel, which is they
Speaker 12: will they just simply will.
Speaker 4: But if they don't.
Speaker 12: But if they don't, then then you know, I'll try
Speaker 12: to find you somebody to talk to. It's it's not me,
Speaker 12: and it wouldn't be hugely beneficial to have somebody just
Speaker 12: out of the blue. You'd want to have somebody that
Speaker 12: has some you know, connection to the case and stuff.
Speaker 12: And I don't want you to tell me who the
Speaker 12: planet's attorney is.
Speaker 4: Or yeah, I got you.
Speaker 8: I like that. On the on the air.
Speaker 4: So all right, I got to come up on this
Speaker 4: hard breakdown. You know how that goes. Danny Kelly's gonna
Speaker 4: get all your information. Call State Farm as soon as
Speaker 4: you hang up. Ask to talk to their in house
Speaker 4: counsel about this and ask them should I sign this?
Speaker 4: Why are they doing it? Are you? Guys? Just just
Speaker 4: ask them all the questions seriously, and if they don't
Speaker 4: have answers for you, then we'll help you get an
Speaker 4: attorney that can make them get answers for you. Okay, listen,
Speaker 4: Bill in Evan, you guys, hold on, we'll be back
Speaker 4: right after this.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up, free, no obligation comparison
Speaker 11: call Compass Insurance. Pay too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: to seven to one.
Speaker 4: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three all three nine two zero
Speaker 11: sixteen twenty two.
Speaker 4: All right, Bill's got a quick comment on that. I'm
Speaker 4: going to go to that really fast. By the way,
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Speaker 4: Now I'm going to go to this comment and I
Speaker 4: don't want to beat a dead horse, but it's one
Speaker 4: of the most important things in the world to have
Speaker 4: the right coverage. But Bill, what's your comment on the
Speaker 4: Danny issue?
Speaker 9: Yeah, my comment, I've been a real estate broker thirty
Speaker 9: five years. My grandfather was an attorney. He had a
Speaker 9: client that was wiped out financially because he had a
Speaker 9: lot of assets. He was sued and so he went out.
Speaker 9: That's what he did as he started calling up all
Speaker 9: these clients started setting up irrevocable trusts, which my understanding
Speaker 9: was it hit their assets with respect to the person
Speaker 9: that owned them, did not own them, to trust owned them,
Speaker 9: and therefore it would shelter them from that type of stuff.
Speaker 9: And so that's just what I mean. My goodness, And
Speaker 9: as you get older, you're more pro to stuff and
Speaker 9: they just start throwing it at you, and then all
Speaker 9: of a sudden, you know, you're defending yourself. You're paying
Speaker 9: a lot of money to do that, a lot of energy,
Speaker 9: Oh goodness, and the stuff can be gone. So that's
Speaker 9: just my comment. I don't know if this guy's looked
Speaker 9: into that. I don't know what kind of help that
Speaker 9: could have been.
Speaker 4: Well, it's too done, it's too late for him. There's
Speaker 4: a look back period on it. It's interesting you said
Speaker 4: that it is one of the way to shield your money.
Speaker 4: One of the problems with it is and that's not
Speaker 4: for everybody, but you know, whoever you leave it to,
Speaker 4: it's irrevocable. In other words, if you get mad at
Speaker 4: that child or spouse or something happens, it's done. It's
Speaker 4: locked in. I mean, you can't even touch it.
Speaker 3: Uh So I think you can be the executor too
Speaker 3: if it's If it's irrevocable, if you have access to it,
Speaker 3: then it's part of your asset.
Speaker 4: In other words, then you're not going to be able
Speaker 4: to hide it. If it's in someone else's name, say.
Speaker 9: That again, it's revocable, then if.
Speaker 4: It's revocable, they can go after that. I wouldn't even
Speaker 4: mind getting one of our experts on to talk about it. Mackenzie,
Speaker 4: that's an interesting question. There definitely is ways. In fact,
Speaker 4: keep listening, Bill, I'm going to get him on, and
Speaker 4: I know there's ways to do it. But I know
Speaker 4: there's a look back period, and I'm pretty sure it
Speaker 4: has to be irrevocable in order for no one to
Speaker 4: go after it because it's no longer years. If it's
Speaker 4: still yours, it's not going to be an irrevocable trust
Speaker 4: because it's yours. But I will get on Dan McKenzie
Speaker 4: because that's interesting. But the other thing about this is
Speaker 4: it's so and Bill or I'm sorry, Evan, I'll go
Speaker 4: to you in a second. But it is so important.
Speaker 4: And once again I don't want to beat a dead
Speaker 4: horse on this deal. But if you have assets, people
Speaker 4: will come after them. That's why you should have insurance
Speaker 4: up to your assets, or up to a reasonable amount
Speaker 4: of them. Think about the average price of a car
Speaker 4: right now. You can't buy a new car for fifteen
Speaker 4: thousand dollars. You know how many people in Colorado have
Speaker 4: this twenty five thousand dollars for bodily injury okay, liability,
Speaker 4: and fifteen thousand dollars for prop py damage. So you
Speaker 4: run into somebody with a newer Mercedes, the hell you
Speaker 4: run into anybody with a newer Ford Tourists if they
Speaker 4: still make them. You could run into anybody with a
Speaker 4: new car and you're not even going to be able
Speaker 4: to have the coverage to pay for their car. If
Speaker 4: you ran into you know, docs car, you might have
Speaker 4: a forty thousand dollars bill and only fifteen thousand dollars
Speaker 4: in coverage, and then if he's injured in it. If
Speaker 4: DOC gets injured twenty five thousand for bodily injury, my god,
Speaker 4: like a cat scan, an MRI, an ambulance, and an
Speaker 4: emergency room visit. You're at fifty thousand without even blinking.
Speaker 5: They've walked. Does an umbrella cover this?
Speaker 4: Yeah, that's what I'm saying. That's why how it's important
Speaker 4: to have the right coverage. I swear to god, people
Speaker 4: look into it. If you have the asset stock with
Speaker 4: an umbrella. Though, umbrellas you can't just go out and
Speaker 4: buy when you have the state minimal. An umbrella is
Speaker 4: two fit fifty to five hundred, so you have to
Speaker 4: have two hundred and fifty thousand in liability insurance per
Speaker 4: person five hundred thousand per accident. Then you can get
Speaker 4: an umbrella that would kick in if it goes over that.
Speaker 4: But if you have state minimum, no one would give
Speaker 4: you an umbrella.
Speaker 5: I didn't realize that because the gap.
Speaker 4: Coverage would be massive. Most you couldn't afford. The person
Speaker 4: couldn't afford the gap coverage, got it. It would be
Speaker 4: crazy And then folks the other one really quick, and
Speaker 4: I just want to harp on this. The other one
Speaker 4: people never seem to get is under insured, okay, underinsured
Speaker 4: coverage for yourself or no insurance coverage for yourself. So
Speaker 4: someone hits you, they only have twenty five thousand, or
Speaker 4: they have no insurance whatsoever. That coverage is for you.
Speaker 4: That's for you. You'll go out and cover liability for
Speaker 4: other people. Start thinking about yourself, thinking of some kid
Speaker 4: t bones you and you can't walk again, and he's
Speaker 4: out minimal insurance. My god, you're gonna end up with
Speaker 4: twenty five thousand dollars and you can't walk for the
Speaker 4: rest of your life. Or you've got a traumatic brain
Speaker 4: injury or something happened and you only get twenty five
Speaker 4: thousand dollars. You buy that coverage for yourself. That way,
Speaker 4: your own insurance kicks in to cover the difference between
Speaker 4: what that person at fault ad and five hundred thousand
Speaker 4: or a million or two million or whatever your coverage is,
Speaker 4: so you actually have money to live on when your
Speaker 4: life changes. Don't just think of the liability part. You
Speaker 4: want to cover for that so people don't take your house.
Speaker 4: But you also want to be insured if someone creates
Speaker 4: chaos in your life and you can't work for a
Speaker 4: while because most people in Colorado have minimal coverage, or honestly,
Speaker 4: there's a lot of people in Colorado with zero insurance. Hey,
Speaker 4: really quick, Evan, you're going to be next. But what
Speaker 4: is the issue? So I can think about it during
Speaker 4: the break?
Speaker 14: I don't even know if I need a lawyer. I
Speaker 14: just need help.
Speaker 15: I just need told it.
Speaker 4: If I need a lawyer, All right, fair enough? Hold tight?
Speaker 4: Is it got to do with a car accident or what?
Speaker 15: No, like we just bought a truck, got it? Oh?
Speaker 12: Yeah?
Speaker 4: Is it a piece of crap? Did you buy a.
Speaker 9: Piece of crap?
Speaker 4: All right? Hold on? Hold on three oh three seven one,
Speaker 4: three eight, two five five. We're gonna have three lines
Speaker 4: open three zero three Martino, give me a call.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up, free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies. Find out now three oh three seven
Speaker 11: seven to one.
Speaker 4: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate man dot com to list your
Speaker 11: home with Remax Alliance three all three nine two zero
Speaker 11: sixteen twenty two all.
Speaker 4: Right, three oh three seven one three eight two five five.
Speaker 4: A lot of comments on that insurance. Will probably touch
Speaker 4: base on that a little throughout this show. It's so
Speaker 4: important and I hope that guy doesn't lose his house.
Speaker 4: But I need to go back to Evan. Hey, Evan,
Speaker 4: where'd you buy this truck? Was it from an individual
Speaker 4: or a dealership?
Speaker 15: I'm from, like a used car dealership?
Speaker 4: And what kind of vehicle is it?
Speaker 14: It's it's Chevy twenty seventeen.
Speaker 4: He's fifteen hundred, so it's a pick up, a fifteen
Speaker 4: hundred And I'm sorry, a Chevy fifteen hundred? Right?
Speaker 5: Yeah?
Speaker 4: And what's going on with it? Let's start there. When
Speaker 4: did you buy it? How long you goo?
Speaker 15: I bought it in October?
Speaker 4: Got it keep going? Real quick? And does it run
Speaker 4: right now?
Speaker 16: Oh?
Speaker 15: No, it's been in the shop the beginning of February.
Speaker 4: Oh my god? Does it have does does it? Did
Speaker 4: you buy it with a aftermarket warranty or a warranty?
Speaker 4: Real quick? A service plan? Okay, hold tight, hopefully we
Speaker 4: can help her out. I don't know what car dealer
Speaker 4: it is, but we're all gonna find out after the break. Tom,
Speaker 4: you hold on and Jeremy as well.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 11: Lead time for an insurance checkup, free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three O three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 2: News as we can Shoot is gonna help coming.
Speaker 3: This is the Troubleshooter Show. No Tom Martinez. Welcome my
Speaker 3: friends to the only show this guy. We're here to
Speaker 3: help you out.
Speaker 4: We're here to solve your problems, answer your questions, take complaints.
Speaker 4: We have a list of experts at referral lists dot
Speaker 4: com that are always willing to hop in the weeds
Speaker 4: with us and try to figure out how to either
Speaker 4: get your money back or help you from losing money
Speaker 4: in the first place. We talked a little about insurance
Speaker 4: the first hour. We're gonna touch base on that as well.
Speaker 4: And someone actually called up and said, I wonder if
Speaker 4: the guy put everything in an irrevocable trust, if he'd
Speaker 4: be actually covered. So we're gonna reach out to Dan
Speaker 4: McKenzie later on and talk about hiding assets and that's
Speaker 4: not really hiding them, but protecting assets asset protection, and
Speaker 4: he specializes in that as well. So we're gonna have
Speaker 4: that coming up. But right now, Wow, I'm going to
Speaker 4: go back to Evan. She bought a two thousand, seventeen
Speaker 4: Chevy fifteen hundred, bought it in October. You know, we're
Speaker 4: in April now and that vehicle's in the shop. Hey,
Speaker 4: I Oh, by the way, I'm sorry. We do have
Speaker 4: some lines open. I'd love to hear from you. Any questions.
Speaker 4: Maybe uh, Tom was on hold with the scam but
Speaker 4: he had to drop off, but you name it. We
Speaker 4: want to help Deputy Docks ready to jump on something.
Speaker 4: Three oh three seven one three eight two five five
Speaker 4: three oh three seven one three eight two five five
Speaker 4: or three oh three Martino. So, so, Evan, you said
Speaker 4: that you bought it in October from a used car
Speaker 4: dealer and now it's in the shop. How many months
Speaker 4: of use, if any, did you get out of it?
Speaker 15: Okay, so don't like the map.
Speaker 14: I it's been in a shop four times.
Speaker 4: What is it in for?
Speaker 15: At first it was just like a little bus.
Speaker 14: Check engine light came on. A week later we had
Speaker 14: to take it back.
Speaker 17: And then it was in the shop for all of
Speaker 17: December for the lifters.
Speaker 4: Oh my god, they actually had to tear into the engine.
Speaker 16: Yeah.
Speaker 15: So now it needs a whole new engine because it
Speaker 15: has not been fixed yet because we've been fighting with
Speaker 15: the service contract company.
Speaker 4: Are they saying that it's a pre a precondition? I mean,
Speaker 4: why why are they fighting with you? What is the
Speaker 4: warranty company saying?
Speaker 15: This is where?
Speaker 14: This is why I think I knew it need a lawyer.
Speaker 14: They said that it's because it has aftermarket tires on
Speaker 14: it and the three inch list we bought it with that.
Speaker 4: Well, let me let me evan. It's it's so funny
Speaker 4: you're arguing with that warranty company. You bought a car
Speaker 4: from a dealer that sold you a warranty that is
Speaker 4: no good on the vehicle they sold you did you
Speaker 4: or or wait, I want to make sure that's correct.
Speaker 4: Did they sell you that warranty or did you go
Speaker 4: out and buy that warranty?
Speaker 6: No, they sold me the warranty, and not only that,
Speaker 6: when it was in the shop all of December, the
Speaker 6: warranty company.
Speaker 15: Told my mechanic not to file the claim.
Speaker 6: Because it was the mechanic or it was the dealership's fault.
Speaker 14: And so I went in and I said, Okay, I want.
Speaker 15: To cancel this service contract. And the dealership.
Speaker 14: Was like, no, no, let me get my rep on
Speaker 14: the phone and.
Speaker 6: Explain it to you.
Speaker 15: They're gonna cover it.
Speaker 14: Blah blah blah. So I tried to cancel the service contract.
Speaker 15: They convinced me not to.
Speaker 14: And now just now, like I'm talking, yesterday.
Speaker 6: I found out all of our claims have been denied
Speaker 6: because of this lift and this yeah.
Speaker 4: And I and I promise you what is the name
Speaker 4: of the what the warranty company?
Speaker 18: It's called.
Speaker 17: Until a drive vehicle service dealer Loyalty Protection.
Speaker 4: See, Okay, I'm gonna do a little research on that,
Speaker 4: but here's the bottom line. In that agreement, in that
Speaker 4: service contract, it does say exactly what you're talking about
Speaker 4: it's saying, especially a lift. Honestly, a lift is a
Speaker 4: pretty big modification. If the tires were basically pretty close
Speaker 4: to the same size, I would argue that all day
Speaker 4: for you, and I'd say, yeah, this, this service comp
Speaker 4: or this warranty company needs to stand up. But in
Speaker 4: a case where you actually have a lift on it,
Speaker 4: I agree with them. This should have never been sold
Speaker 4: The dealer that sold it to you with that lift
Speaker 4: on it should have never sold you a warranty that
Speaker 4: is basically void. There's no use to it. How much
Speaker 4: did you pay for it?
Speaker 15: Thirty?
Speaker 4: Yeah, and I go another step. I go one more
Speaker 4: step on this. You probably wouldn't have purchased that vehicle
Speaker 4: if you couldn't get a warranty on it. Is that correct?
Speaker 15: Yes?
Speaker 14: And I didn't know.
Speaker 6: And they only gave me the first page of the
Speaker 6: contract until I begged them to send me the whole contract,
Speaker 6: and finally they did.
Speaker 14: Well, oh, normally we don't have.
Speaker 17: To spend that because you don't you only mean the
Speaker 17: first page.
Speaker 4: Well, okay, they're full of crap.
Speaker 6: Who is it the dealership?
Speaker 14: Yeah, it's called off road Automotive off road geez, where
Speaker 14: are they in Fort Lupton.
Speaker 4: Are you in Fort Lupton.
Speaker 15: I'm I'm close, Kelly.
Speaker 4: I want you to do me a favorite. Try to
Speaker 4: get these guys on hold on. I'm trying to find
Speaker 4: their website real quick. I don't want to give the
Speaker 4: phone number out yet. I think, have you actually talked
Speaker 4: to him about getting out of this deal? I mean,
Speaker 4: what are they telling you right now? What are they
Speaker 4: telling you the dealership forget about the warranty company. I
Speaker 4: don't think you're going to go. It's not the warranty
Speaker 4: company's fault.
Speaker 15: Uh, the dealership.
Speaker 6: I talked to him like this.
Speaker 14: Morning and he's like, oh, well, I called my guy Yesterday's.
Speaker 15: Trying to get it figured out.
Speaker 17: They're trying to give get that wave and sent.
Speaker 15: To you or and get it approved.
Speaker 4: So another thing that I just hold on a second.
Speaker 4: Is the vehicle still there or is it a different shop.
Speaker 6: It's a different mechanic shop that they recommended we go
Speaker 6: to because they only had they didn't have.
Speaker 15: Enough space I guess in their mechanic shop for it
Speaker 15: to be there.
Speaker 4: But they're the ones that basically told you to go
Speaker 4: there or brought it there.
Speaker 14: Yeah, and the mechanic has been He's.
Speaker 12: Obviously I got it.
Speaker 4: We probably doubled it. Heaven, you got to watch the language. Okay, sorry,
Speaker 4: that's right, go ahead. So how much for the vehicle?
Speaker 6: There? The purchase price was twenty thousand, four hundred and
Speaker 6: ninety seven dollars.
Speaker 4: Yeah, this is Did you trade anything in or was
Speaker 4: it just a finance deal?
Speaker 15: We did?
Speaker 14: We trade it in a truck.
Speaker 4: This sucks. This sucks.
Speaker 15: So yeah, at this point I'd rather have the other
Speaker 15: one back.
Speaker 4: Well, I get that, but before the trade in, where
Speaker 4: were you at? In other words, you said it costs
Speaker 4: you twenty thousand? Is that truly? I mean, does that
Speaker 4: include your trade in?
Speaker 18: Like?
Speaker 4: What was the actual amount for this vehicle?
Speaker 14: Okay, I don't have all of that paperwork, it's actually
Speaker 14: in my car right now. But the I'm pretty sure,
Speaker 14: I'm sorry if this is wrong. Pretty sure it was
Speaker 14: listed at twenty four or something. And then they gave
Speaker 14: us eight grand for the truck, and then we bought
Speaker 14: the service contract.
Speaker 17: So I think our loan exactly is for like seventeen thousand.
Speaker 4: See, I don't think you should have ever. I think
Speaker 4: at this point, if they can't get it fixed, I mean,
Speaker 4: you're telling me they're still saying they're dealing with this company.
Speaker 4: But I don't know why this warranty company in a
Speaker 4: million years, wou'd pay for an engine unless if this
Speaker 4: dealer sells like a million of their contracts a freaking year,
Speaker 4: and that's why they do it. I mean, really, they
Speaker 4: should have never sold you that contract on that vehicle.
Speaker 4: But once again, I go a step further, and I
Speaker 4: really do evant, and that step further is I think
Speaker 4: they should undo the deal because you wouldn't have purchased
Speaker 4: it without that warranty. They totally misrepresented this entire deal
Speaker 4: to you, in my opinion. Give me the name of
Speaker 4: it again, I can't find him anywhere.
Speaker 14: It's called off Road Automotive.
Speaker 4: And it's in Fort Collins, No, Fort Lupton. That's why
Speaker 4: I'm screwing it up here. We are right here, four
Speaker 4: by four off road.
Speaker 12: No, I no, it's just called it.
Speaker 15: I mean it's literally when I look up off road
Speaker 15: automot I got.
Speaker 4: It, off Road Automotive, I got. It's like a kind
Speaker 4: of like a steel building barn looking thing.
Speaker 14: Yeah, that's their old building.
Speaker 15: But yes, that's the picture on the website.
Speaker 4: Hey Kelly, I want and who are you been dealing
Speaker 4: with there, like what salesperson? What service person? Who is it?
Speaker 15: The person who runs the contract?
Speaker 4: His name is Jordan. Now forget about who runs it.
Speaker 4: But that's who you've been dealing with, is Jordan?
Speaker 18: Yeah?
Speaker 14: Yeah, because anyone else you talked.
Speaker 15: To there has no idea about anything about the service contract.
Speaker 4: So all right, hold on, let me get you on
Speaker 4: hold Kelly off Road Automotive. Did you look them up
Speaker 4: as well? I'm gonna put their phone number up. Yeah, Jordan.
Speaker 4: She's saying, Jordan's got something to do with the contracts.
Speaker 4: If he can come on, that's great, But really, uh,
Speaker 4: this place looks small enough. I bet the owners sitting
Speaker 4: in there, or at least a GM. Let's try to
Speaker 4: get the owner or GM or someone on uh with
Speaker 4: their opinion and what they're gonna do on this. I mean,
Speaker 4: I can't imagine. I don't want to call them dead beats,
Speaker 4: but this seems pretty simple if they can't get it covered.
Speaker 4: This woman hasn't had use of her vehicle now for
Speaker 4: quite a long time. It needs an engine, and they're
Speaker 4: saying they're trying to pressure the warranty company into doing it.
Speaker 4: I don't even know how they're gonna do that though.
Speaker 4: I mean, if I was a warranty company, I wouldn't
Speaker 4: cover that in a million years. They put a lift
Speaker 4: on it, I guarantee it says any off road or
Speaker 4: any other parts that are on there not meant to
Speaker 4: be on there that change the vehicle, and a lift
Speaker 4: most certainly changes the vehicle. Uh, you're not gonna have coverage.
Speaker 4: We're gonna take a quick break. Three zho three seven
Speaker 4: one three A two five five two lines open. I
Speaker 4: want to hear from you. Three zero three Martino.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free no obligation comparison call
Speaker 11: Compass Insurance paying too much your coverage at dozens of
Speaker 11: insurance companies find out now three all three seven seven
Speaker 11: to one help. You'll think you're his only customer when
Speaker 11: you choose Frank durand the real estate Man dot com
Speaker 11: to list your home with Remax Alliance three all three
Speaker 11: nine two zero sixteen twenty two all right, three oh.
Speaker 4: Three seven one three eight two five five, Hey, Jordan's
Speaker 4: on He's a sales manager at off Road Automotive, and
Speaker 4: I love when businesses come on, Jordan. I appreciate you
Speaker 4: coming on. So Evan called, she's just got a problem.
Speaker 4: It looks like you guys are trying to handle it,
Speaker 4: but I'm trying to get just a little more information
Speaker 4: on the situation. According to her, she bought the vehicle,
Speaker 4: a twenty seventeen Chevy fifteen hundred in October of twenty
Speaker 4: twenty four. Uh, there was some problems with it. You
Speaker 4: guys basically had the lifter's done and she got it back.
Speaker 4: But now ultimately she hasn't been in the vehicle for
Speaker 4: a while. It needs an entire engine. The warranty company
Speaker 4: a thirty five hundred dollars warranty like in tell Us
Speaker 4: something or something along that line. They're claiming they're not
Speaker 4: going to cover it because the vehicle had a lift
Speaker 4: on it. In every aftermarket warranty I've ever seen, if
Speaker 4: something's dramatically changed like that, they generally, well, first of all,
Speaker 4: they always try to find an out, any out, but
Speaker 4: if if literally it has a lift on it, most
Speaker 4: of them would never cover anything like that. But it
Speaker 4: looks like you guys are trying to get get them
Speaker 4: to do it. But let's say they don't fix it
Speaker 4: and stand up to it. Where is this going to
Speaker 4: leave her in this deal?
Speaker 19: So yeah, the whole story behind that was it went
Speaker 19: into the shop late October early November for some left
Speaker 19: to work. The warranty company paid out that claim and
Speaker 19: got it fit, and then it had to go back
Speaker 19: into the shop. I'm not too for sure when apparently
Speaker 19: something mess up with the lifters again, But the warranty
Speaker 19: company should be reverting their denial because it's only a
Speaker 19: three inch left.
Speaker 4: Okay, So the argument is there's no way to cause
Speaker 4: the engine damage.
Speaker 19: You're right that too, So I'm a little confused on
Speaker 19: why they're inspector.
Speaker 4: Well, I want to go back. I want to go
Speaker 4: back to that question, and that's basically what Evan said.
Speaker 4: She said, you guys were communicating with her, you know,
Speaker 4: as recently as yesterday, and basically said that you think
Speaker 4: it's going to be covered. I want to go back
Speaker 4: to this though, if you don't mind, what is going
Speaker 4: to happen if they do decline it. That's what I'm
Speaker 4: more worried about.
Speaker 19: Well, then it would have to unfortunately come out of
Speaker 19: someone's pocket when we're always trying to make everything right
Speaker 19: for our customers, So we could potentially look into trading
Speaker 19: her out of the vehicle.
Speaker 4: Or yeah, we know that's generally. I'm not saying you
Speaker 4: guys would do her wrong like that, but we do
Speaker 4: know of dealerships where you know, something like this happens
Speaker 4: and they end up in even worse shape. But I'm
Speaker 4: not saying you guys would do that. Honestly, I don't
Speaker 4: think we've gotten many complaints on you guys over however
Speaker 4: long you've been in business, So I mean, I don't
Speaker 4: think that's an issue. I would say this, and I'm
Speaker 4: curious from a sales manager's point and as you as
Speaker 4: a consumer, because you buy stuff. I've always said if
Speaker 4: I went out and bought a used vehicle and someone
Speaker 4: sold me a warranty on it and then we find
Speaker 4: out to warranty is no good, generally the calls we
Speaker 4: get is pre existing condition. That's the biggest one. The
Speaker 4: warranty company goes, oh, we're not going to do that
Speaker 4: transmission because it was there prior to you buying the warranty.
Speaker 4: I'm sure you've heard that a million times too, So yeah,
Speaker 4: that's that's our number one call. We get the exact
Speaker 4: same call on cars that we're talking about now, but
Speaker 4: not nearly as much where there's been a modification. But
Speaker 4: I've always made argument, and we have an attorney, Kelly,
Speaker 4: what is her name? I always Rena, Rena, Rena buy off.
Speaker 5: So all she.
Speaker 4: Does, Jordan, Well, she does a ton of lemon law.
Speaker 4: But all she does is deal with cars. But most
Speaker 4: of it's new cars and lemon law. But what's curious,
Speaker 4: and her and I have discussed it. I think although
Speaker 4: it wasn't done on purpose, in most cases, when something
Speaker 4: is sold with a warranty and people are not thinking
Speaker 4: that they're going to have to come four five, six, seven,
Speaker 4: eight thousand dollars out of pocket because they have this warranty,
Speaker 4: I would argue she wouldn't. And I've asked Evan this
Speaker 4: on air if she would have bought the vehicle if
Speaker 4: it didn't have some form of warranty and she said
Speaker 4: absolutely not. So I would say, if it doesn't get
Speaker 4: handled by the warranty company, I would say, you know,
Speaker 4: maybe she pays for some of the mileage usage she has,
Speaker 4: but she gets to pretty much undo the deal. Or
Speaker 4: maybe you guys to have up and fix it or
Speaker 4: kind of like what you said, you guys kind of
Speaker 4: trade or out of it, but you do it in
Speaker 4: a very fair and honest way. I mean, do you
Speaker 4: think you guys would handle that in one of those approaches.
Speaker 19: Oh, definitely, there were not in the business of unwinded deals.
Speaker 19: So we want to find the right vehicle for excellent.
Speaker 4: So do you really think you're going to get this
Speaker 4: warranted company to come through? Do you guys sell a
Speaker 4: lot of their paper?
Speaker 6: Oh?
Speaker 19: Yeah, no, this is my most used warranty company.
Speaker 4: And so you got some armed twists there. Oh that
Speaker 4: you have some arm twisting to do with these guys.
Speaker 19: Niah, There's no reason for it to be denied because
Speaker 19: of the three inch lift, because they only deny claims
Speaker 19: if the search hard for a six inch lift and
Speaker 19: above got it is not clicked. So there wouldn't be
Speaker 19: a reason for a three inch left to be the client.
Speaker 4: You know, I haven't what's the name of that warranty
Speaker 4: you sell? What's it called again, intel A, it's.
Speaker 19: A dealer loyalty protection? Is the company got it?
Speaker 4: So what's interesting not from that company but from other companies.
Speaker 4: We have actually had other warranty companies deny almost anything
Speaker 4: transmissions engines. You know, repairs over a thousand bucks based
Speaker 4: upon just the tire size. I mean like literally on
Speaker 4: tire size, and we have helped fight and basically make
Speaker 4: them pay out. So we have definitely done that. I
Speaker 4: agree with you if it's only a three inch lift,
Speaker 4: but you're sure you're sure a three inch lift doesn't
Speaker 4: tax that motor more?
Speaker 19: Oh yeah, I mean that's just some suspension work, that's it.
Speaker 19: And the previous claim was paid out and it had
Speaker 19: that same lift on it, so there's no reason why
Speaker 19: this one wouldn't.
Speaker 4: All right, When do you think you'll know what direction
Speaker 4: to go? Go ahead? Evan? Did you have a question?
Speaker 6: The lifters haven't gotten fixed at all? Like the claim
Speaker 6: that he's there was.
Speaker 17: There was a claim that got accepted and approved, but
Speaker 17: it was just for the lifters, and the mechanick was
Speaker 17: calling them every day telling them, hey this.
Speaker 18: And need a new engine.
Speaker 15: How do I submit that?
Speaker 4: Evan? I'm sorry, Evan, I dig exactly what you're saying.
Speaker 4: But if you've been following the conversation I've had you up,
Speaker 4: I get that they went in they wanted to try
Speaker 4: to fix it by the lifters. It was diagnosed, they
Speaker 4: probably got some approval to get the lifters done. They
Speaker 4: got it done, and kind of the issue was still
Speaker 4: there because more or less the whole time it needed
Speaker 4: an engine. But everybody there at off Road now, especially Jordan,
Speaker 4: knows what's going on, and if you heard everything we
Speaker 4: talked about, they're either going to get these people to
Speaker 4: fix it. They're either going to step up to the
Speaker 4: plate and fix it, or they're basically going to give
Speaker 4: you what you paid back towards another vehicle that you're
Speaker 4: happy with there. I mean, those are decent outcomes. If
Speaker 4: you ask me for the circumstance you're in, would you agree.
Speaker 14: So I agree.
Speaker 17: I was also looking at it, and I guess this
Speaker 17: is I was just looking at it. But it also
Speaker 17: says something about like the a doometer being off, and
Speaker 17: when we bought the truck, the Kelly Blue Bucks said
Speaker 17: that a dometer was off, and it's one of the
Speaker 17: things that it says it's not going to cover for
Speaker 17: that as well.
Speaker 4: So maybe, well, what would you cover on that. I mean,
Speaker 4: let's just say worst scenario, the odometer was rolled back.
Speaker 4: I mean, what do you mean covered on that. What
Speaker 4: does that mean, like you want the odometer said it
Speaker 4: to correct?
Speaker 10: No?
Speaker 17: No, for the same session where it says we're not
Speaker 17: going to cover a vehicle.
Speaker 15: With these things, yeah, such.
Speaker 14: As the lift and the aftermarket tires.
Speaker 17: Yeah, it says we're not going to cover a vehicle
Speaker 17: that has an a dometer that's not correct.
Speaker 4: Yeah, but what does that mean? What's not Jordan? Do
Speaker 4: you know what's not correct about her dometer?
Speaker 19: That looks like a shop made a typo back in
Speaker 19: twenty twenty one, twenty twenty two.
Speaker 4: But that's that hasn't come up from the warranty company
Speaker 4: at all, has it.
Speaker 19: That's not a brand title or anything like that either.
Speaker 15: So much.
Speaker 4: Yes, so Evan, I mean if someone miskeyed something, yeah,
Speaker 4: I wouldn't worry about that. And let me explain that
Speaker 4: to somebody what he just said. Any shop out there,
Speaker 4: I mean, Jiffy Loub at this point probably does, but
Speaker 4: I know Goodyear Firestone breaks. Plus all these people are
Speaker 4: point of sale. The point of sale systems literally talk
Speaker 4: to like Carfax, and when you do an oil change,
Speaker 4: it sends it up to Carfax. So when someone pulls
Speaker 4: the Carfax at some point and I don't care if
Speaker 4: it's Kelly Bluebook or a dealer or whoever pulls that carfax,
Speaker 4: they're going to see it. So if someone fat fingered,
Speaker 4: you know, one entry way back when, but then the
Speaker 4: rest of it all makes sense. None of that's going
Speaker 4: to affect anything we're talking about. So really, what I
Speaker 4: want you to do, Evan as simple as this. I
Speaker 4: want you to stay in contact with Jordan. Jordan, what
Speaker 4: do you think you'll hear something the next couple of
Speaker 4: days on the warranty stuff.
Speaker 19: Definitely the next couple of days.
Speaker 4: Okay.
Speaker 19: I think I'm worried about is if the shop's trying
Speaker 19: to file for entire engine and it could be just
Speaker 19: the lifters, So if they if the first claim was
Speaker 19: never officially.
Speaker 4: But this is a shop you told her to send
Speaker 4: her to.
Speaker 19: Right, I don't know?
Speaker 4: Yeah, well Evan, Yeah okay, So Jordan, why don't you
Speaker 4: call it? How about we give you a couple of
Speaker 4: days to look into it. I mean, would you do
Speaker 4: that for us and then get back to her then, Evan,
Speaker 4: give us a call back and let us know where
Speaker 4: it's at. I mean, can we all be on that
Speaker 4: same page? Is that good? Is everybody good?
Speaker 8: With that.
Speaker 19: No, I'm just waiting on Yeah, that's.
Speaker 4: Yeah. No, And Evan, I'm giving you advice right now.
Speaker 4: So I think we're in good shape, and let me
Speaker 4: do this real quick. Stay Evan, I want you to
Speaker 4: stay on. But hey, Jordan, I really appreciate you coming on.
Speaker 4: Do me a favor and get involved to the to
Speaker 4: the point where you're a thorn in their ass and
Speaker 4: try to figure out how to get it paid or
Speaker 4: move forward with her.
Speaker 19: All right, Oh yeah, absolutely, I hope I've been on
Speaker 19: top of it.
Speaker 4: All right, thank you very much. And then Evan, what
Speaker 4: I want you to do is listen, give them a
Speaker 4: couple of days and give us a call back and
Speaker 4: let us know what's going on. The guy seems like
Speaker 4: a good guy. Kelly's got him on hold right now.
Speaker 4: And I'll tell you this since he's on hold, you know,
Speaker 4: I want to do everything to try to rectify this
Speaker 4: quickly for you. So I'm not going to go ballistic
Speaker 4: over this. But if they're not going to do anything,
Speaker 4: and I do, I really have a gut feeling they
Speaker 4: are going to come through on this. But if they
Speaker 4: don't want to do anything, I have another tactic. I
Speaker 4: am very good at But I think these guys are
Speaker 4: going to get it handled for you, Okay, and then
Speaker 4: if they do want to buy you out of that vehicle,
Speaker 4: I want to see the paperwork on it to make
Speaker 4: sure it's fair. Okay, sound good?
Speaker 15: Yes, sir?
Speaker 4: All right, hold on, I got to put you on hold.
Speaker 4: I want your information, Kelly, get absolutely everything from her.
Speaker 4: Miles has got a question on a bridge loan. Yeah, Miles,
Speaker 4: I'll tell you what I've had him and I've had
Speaker 4: actually you've given them or written them, so Hank tight,
Speaker 4: we'll figure exactly what's going on. But your next three
Speaker 4: oh three seven one, three eight, two five five, I'd
Speaker 4: love to hear from you. Got two lines open three
Speaker 4: zero three Martino or at help at troubleshooter dot com.
Speaker 11: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 11: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies. Find out now three oh three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 4: Kai three oh three seven one three A two five five.
Speaker 4: We're gonna have one line open in a minute. I
Speaker 4: know some people are on hold waiting to get up.
Speaker 4: I promise you guys will be first. But Miles has
Speaker 4: a question on a bridge loan. Hey Miles, what is
Speaker 4: your exact question?
Speaker 8: Hey, mart thanks for taking my call. Actually, here's my
Speaker 8: situation is, Uh, my parents need to go into assistant
Speaker 8: living facility, and in order to pay for that, I
Speaker 8: have to sell their their property. Uh now, I they've
Speaker 8: have they have a ton of equity in their in
Speaker 8: their property.
Speaker 4: Well let's talk. Let's define a ton. What is a ton?
Speaker 9: Sir?
Speaker 4: What what is a ton of equity? In your opinion?
Speaker 8: Well, well, but I mean they they they've got about
Speaker 8: about eight hundred thousand equity.
Speaker 4: Oh that's a ton. I agree with that. Yeah, that's
Speaker 4: what I was saying.
Speaker 10: Though.
Speaker 4: More more, what I was curious about is the loan
Speaker 4: to value.
Speaker 5: So got a metric tone?
Speaker 4: What is the loan to value? What's the house worth?
Speaker 8: Well, the house is worth about a million Uh.
Speaker 4: Nice, that's great.
Speaker 8: Yeah, they have alio about two hundred thousand.
Speaker 4: Now, explain to me why why you need money or
Speaker 4: they need a loan in order to get into long
Speaker 4: term care, I assume is what you're looking at. Yes,
Speaker 4: And how much is the long term care per individual?
Speaker 8: Well, we we found a place. It's not eight thousand,
Speaker 8: eight to nine thousand.
Speaker 4: A bus for both of them, you know, for.
Speaker 8: For both of them. Yeah, that's pretty nice.
Speaker 4: Hey, I'm just curious because I'm starting to I'm gonna
Speaker 4: have to start thinking about these kind of things. But like,
Speaker 4: do they live in the like is it in an
Speaker 4: apartment at that at that kind of cost where they
Speaker 4: both live in the same unit if you will.
Speaker 8: Yeah, it's basically a one venue apartment. Have a bedroom,
Speaker 8: then you have a sitting area, and you've got you
Speaker 8: don't really have a kitchen at but you know, you've
Speaker 8: got a refrigerator and the sake of ace.
Speaker 4: So the facilities has the breakfast, lunch, and dinner. They
Speaker 4: have probably care depending on where your parents are at
Speaker 4: that maybe they get checked on once a day, maybe
Speaker 4: they're checked on every few hours. And as they get
Speaker 4: older or in worse health, you know, it just changes.
Speaker 8: Yeah, well, my father is pretty.
Speaker 4: Advanced Alzheimer's or Alzheimer's.
Speaker 8: No is with Parkinson's.
Speaker 4: I had my Suzanne's grandmother. We watched her. Uh, she
Speaker 4: actually lived pretty long. But man, Parkinson's it's a nasty sucker. Man,
Speaker 4: it is nasty. But keep going. So you need how much?
Speaker 4: Like I mean, I would assume that house would sell
Speaker 4: pretty quick. So I'm still trying to understand where the
Speaker 4: bridge loan or not that.
Speaker 8: Not necessarily. It's very unique property. It's in Bolder, it's
Speaker 8: on two acres. Uh, it's a farmhouse. And the thing is,
Speaker 8: it's gonna take me about six months to get that
Speaker 8: place properly ready to sell because they have barns that
Speaker 8: are just full of stuff.
Speaker 4: Yeah, I gotcha.
Speaker 8: And the house is full of stuff.
Speaker 4: And the semi hoarding semi hoarding situation, but it's mostly
Speaker 4: just stuff collected from a long life.
Speaker 8: Yeah, for long life. And plus whenever you have a
Speaker 8: barn and someone needs to source something for a month,
Speaker 8: they bring it over there.
Speaker 4: How much are you thinking? So I'm looking at this
Speaker 4: in two ways like Okay, what would I personally do?
Speaker 4: And then I'm also looking at it as almost like
Speaker 4: a lender at a certain point. So what right, So
Speaker 4: what are you how much are you trying to get
Speaker 4: right now? Well, six months times nine thousand, nine times
Speaker 4: six fifty sixty grand, yeah, somewhere around there. And then
Speaker 4: what kind of interest? So there's a couple way to
Speaker 4: look at this. I mean, bridge loans are pretty high
Speaker 4: end or loans. There would be nothing to pay ten
Speaker 4: percent on that, So I mean would that even bother you?
Speaker 8: It depends. I mean we have a liquid assets or
Speaker 8: you know, a few months maybe three months okay, and
Speaker 8: uh but you know, like I said, it's gonna take
Speaker 8: me about six months to get that property properly ready
Speaker 8: to sell.
Speaker 5: They get a heelock on their home.
Speaker 4: No, I don't know what their income stances, but it
Speaker 4: seems a lot to go. No matter what, you're going
Speaker 4: to have to go through closing. You're going to have
Speaker 4: to come out of pocket no matter what. So I'm
Speaker 4: trying to figure out for such a low amount, what
Speaker 4: would the actual amount be. You said you had three
Speaker 4: months or are you only looking for like thirty thousand.
Speaker 8: Maybe another three months?
Speaker 9: Yeah, about thirty thousand.
Speaker 4: Well, and you don't want to come out of pocket
Speaker 4: or you can't come out of.
Speaker 9: Pocket, right, Yeah, I can't come out of park.
Speaker 4: You don't want to do that, well, I mean, I'll
Speaker 4: be honest, man, I mean go ahead. Well I would do.
Speaker 4: And I'm talking me personally, and I'm not saying this
Speaker 4: because this is an awkward circumstance because you know, I'm
Speaker 4: on the radio and you're calling in for advice, but
Speaker 4: to give you an idea. If my typical people came
Speaker 4: to me and said, hey, do you want to do this,
Speaker 4: if you wanted thirty thousand, I would do a one
Speaker 4: time fee of five grand on it, and I'd give
Speaker 4: you thirty thousand. I would make five grand on that,
Speaker 4: and i'd give you nine months to pay it back,
Speaker 4: and i'd hold the d to security. So I mean,
Speaker 4: that's kind of a hard nose lender looking at it.
Speaker 4: But even if you got a heat lock or something,
Speaker 4: no matter what with closing costs and interest, you could
Speaker 4: easily be about that amount there. So the other thing
Speaker 4: you can do is literally talk to this. See this
Speaker 4: would cost a fortune, but it would get you out
Speaker 4: of it. But it doesn't make economic sense compared to
Speaker 4: a five thousand dollars fee. So what you could do
Speaker 4: is get a reverse mortgage, and they would instantly have
Speaker 4: access to a lot of that. But then, I mean,
Speaker 4: you're paying all that money and doing all the qualifications
Speaker 4: and everything, and you might actually have to bring the
Speaker 4: home up if there's big problems with it to a
Speaker 4: certain amount. It's just not a good option. You know
Speaker 4: what I would like to do, though, Here's what I'd
Speaker 4: really really like to do. I want to get John
Speaker 4: Clays up. You heard what I do. Let's ask a
Speaker 4: guy that literally lends money, traditional pass every which way.
Speaker 4: So I want you to hold on Miles, all right,
Speaker 4: and we're going to get John Clay's up, Kelly, and
Speaker 4: then Teresa's got a problem with AT and T cellular,
Speaker 4: Kei's got an issue with a basement man contractors. It's
Speaker 4: that time of year. Wait till we start getting the
Speaker 4: landscaping calls. But I'd want to finish up with Miles
Speaker 4: after the break. If we can get Clayson real quick,
Speaker 4: we'll be right back.
Speaker 11: Go with a sure thing Denver's Best Ruffer excel roofing
Speaker 11: dot com.
Speaker 13: You don't pay a cent until you're.
Speaker 11: Contenth time for an insurance checkup free, no obligation in comparison,
Speaker 11: call compass insurance paying too much your coverage at dozens
Speaker 11: of insurance companies.
Speaker 13: Find out now three oh three seven to seven one help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate man dot com to list your
Speaker 11: home with Remax Alliance three oh three nine two zero
Speaker 11: sixteen twenty two.
Speaker 4: Three oh three seven one three A two five five. Hey, listen,
Speaker 4: John Clace, partner in lending dot com. John, If I
Speaker 4: got to keep you over the break, I will, but
Speaker 4: we got a caller Miles. Bottom line is this, his
Speaker 4: parents have eight hundred thousand dollars in equity. The home's
Speaker 4: worth about one one one two. They're gonna sell the home.
Speaker 4: That's the ultimate goal to sell it in six months.
Speaker 4: It's gonna take them six months to sell it because
Speaker 4: it's got a lot of barns and garages, and it's
Speaker 4: just got a lot of stuff. The parents are in
Speaker 4: the eighties. They're moving into an assisted living facility. He
Speaker 4: needs thirty thousand dollars for the next six months to
Speaker 4: basically pay the assisted living facility while they're getting the
Speaker 4: house ready to sell. I basically said, for someone like
Speaker 4: me that does hard money loans occasionally to me, if
Speaker 4: everything smelled right, I would charge basically five grand. It
Speaker 4: would be a six month note, and I'd give them
Speaker 4: the thirty grand. But you know that's going to be
Speaker 4: what is that twenty to twenty five percent interest? So
Speaker 4: I mean, but that's it. But any other ideas you have,
Speaker 4: I mean I kind of gave you the scenario. I
Speaker 4: figured even if they went in to get a he lock,
Speaker 4: first of all, I think they'd qualify. But maybe, But
Speaker 4: what ideas do you have and how much would the
Speaker 4: closing costs be on those ideas, because like on a
Speaker 4: reverse mortgage for six months, it's going to cost them
Speaker 4: ten fifteen grand to do that easily.
Speaker 9: Well, yeah, exactly what you just gave them. It is
Speaker 9: actually a good deal because a lot of people won't
Speaker 9: touch it under fifty thousand.
Speaker 4: Puts it's not worth it too.
Speaker 9: Yeah, and you know your typical loan on that is,
Speaker 9: you know it's going to be you know, twelve thirteen
Speaker 9: percent and three points up. Well, it's basically the same.
Speaker 5: Deal you just told them.
Speaker 9: Yeah, it's basically really the best option.
Speaker 4: But they got to go through the qualifications and stuff.
Speaker 4: Do you have other people that do that if I
Speaker 4: didn't want to do it, you got to list the
Speaker 4: hard money people you trust.
Speaker 9: I do.
Speaker 16: I do have some very good I bet people.
Speaker 4: I bet we know some of the same people. Isn't
Speaker 4: that funny? Hey, Miles, do you have any questions? Man?
Speaker 4: And I'll love Kelly. I'll have Kelly give you my
Speaker 4: information and you can reach out to John as well. Man.
Speaker 8: Okay, yeah, because the facility gave me a place that
Speaker 8: does bridgelians specifically for this kind of thing. Yeah, but
Speaker 8: I think it's online. I don't really trust anybody. I'd
Speaker 8: rather you know.
Speaker 4: Well, it's all hold on, see now, I am going
Speaker 4: to put you back on hold Miles, hold on, I
Speaker 4: want to hear about ED. Get that website and I'll
Speaker 4: look at it over the break. Kelly, get the website
Speaker 4: from Miles. John. If you want to hang, please feel free.
Speaker 11: Go with a sure thing Denver's best roofer Excel roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: Com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 13: Riff News.
Speaker 15: So you don't have.
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Speaker 3: The Troubleshooter Show. No, Tom Martinez, welcome my friends to
Speaker 3: the Only Show.
Speaker 4: If it's kind. We're here to solve problems, to answer questions,
Speaker 4: our goals, to help you out. Maybe a bad landlord's
Speaker 4: given you the business, as Wally Cleaver used to say,
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Speaker 4: right here on this show. Hey, I still wanted to
Speaker 4: get up Kelly. Maybe as we get a lull, well
Speaker 4: forget if we get a lull or not, I definitely
Speaker 4: want to bring him up. I want to get McKenzie up.
Speaker 4: Just call him up. See what's a good time for
Speaker 4: maybe twelve thirty ish or something, But tell him I've
Speaker 4: got some questions on asset protection from a call we
Speaker 4: took this morning. And that's very interesting stuff and it
Speaker 4: provokes some thought in a lot of people that want
Speaker 4: answers on it. So that'll be Dan McKenzie Attorney coming up.
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Speaker 4: I know it can be a pain in the ass,
Speaker 4: but really we do want to help you. So Keith's
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Speaker 4: three Martino two lines open. Hey, Keith, what is going
Speaker 4: on with this contractor it looks like something to do
Speaker 4: with your basement.
Speaker 16: Yes, Hi, thanks for taking my call on court.
Speaker 9: I really appreciate it.
Speaker 20: I've I'm in the process of doing a basement finish,
Speaker 20: but I'm doing it in phases. My first phase consists
Speaker 20: of one bedroom in a living area in the basement
Speaker 20: at the.
Speaker 16: Base of the stairs.
Speaker 20: Basically, it's it's kind of a large space, so I'm
Speaker 20: doing about about six hundred and forty square feet. It's
Speaker 20: been framed up. I've got the mechanical and the electrical,
Speaker 20: so I've got all my rough inspections done. I've moved
Speaker 20: on to the insulation, and that's kind of where the
Speaker 20: hiccup starts.
Speaker 16: I've got the insulation up in the.
Speaker 20: Area that I'm doing Phase one finishing on and when
Speaker 20: the insulation inspector came for that before I can move
Speaker 20: on to drywall, they failed me on the insulation, requesting
Speaker 20: that I do continual insulation throughout the remaining portion of
Speaker 20: the basement that's going to add on. Like I said,
Speaker 20: it's keep in mind it's a large basement that's going
Speaker 20: to add on about ten thousand dollars Keith, and extra
Speaker 20: cost that I was out budgeted.
Speaker 4: Hey, Keith, I want to understand something on the layout.
Speaker 4: You said it's framed in. Is it just that six
Speaker 4: hundred square feet framed in or when you had the
Speaker 4: framers come in, or if you did it yourself, did
Speaker 4: you actually frame the entire basement or just at six
Speaker 4: hundred feet we're.
Speaker 9: Talking about.
Speaker 20: Just the six hundred feet we're talking and they're basically
Speaker 20: saying untouched.
Speaker 4: You would have to go in and frame the rest.
Speaker 4: Is it a walk out by the way or just cement.
Speaker 4: It's cement, so you would have to go up and
Speaker 4: basically frame the rest of the basement, and then they
Speaker 4: you wouldn't have to finish it. But I'm just trying
Speaker 4: to understand this. If you just framed the rest. Forget
Speaker 4: about finishing the rest that you're saying would cost ten
Speaker 4: grand plus the insulation, or he's not even giving you
Speaker 4: that option.
Speaker 16: No, that's what he's requested me to do. I'm saying,
Speaker 16: not even framing.
Speaker 20: If I were to just put up a continual insulation, yeah,
Speaker 20: fell insulation.
Speaker 4: And oh, because I'm sorry you're not doing would so
Speaker 4: even if you just put up like the blanket insulation
Speaker 4: going on the wall, that would really cost that much more.
Speaker 16: About ninety bucks.
Speaker 4: Wow. Wow, I didn't realize that stuff is so expensive.
Speaker 4: What county are you in? It's in Adam's very interesting.
Speaker 4: He wants you to do the whole thing. Did he
Speaker 4: point to where it says that in the code? I mean,
Speaker 4: is it purely just a code issue and you're not
Speaker 4: going to get around it? Or are you actually trying
Speaker 4: to argue with him?
Speaker 20: So I put a call in great question. I put
Speaker 20: a call into him for him to call me back,
Speaker 20: and I've been ghosted. They're not calling me back.
Speaker 4: Hey, Kelly, let's get Mark Schamansky on. I know Mark's
Speaker 4: done a ton of basements and remodels in Adams County.
Speaker 20: That's where it brought me to the residential So the
Speaker 20: international Resibudhill code.
Speaker 4: Yeah, but that doesn't matter international listen, Keith, it doesn't
Speaker 4: matter what international code says. Well, I'll take that back.
Speaker 4: If international code says you have to do the entire thing,
Speaker 4: then I'm going to agree with you one hundred percent.
Speaker 4: It's relevant. But if it says you don't have to
Speaker 4: do the entire thing, that doesn't mean anything. If Adams
Speaker 4: County makes you do it, you follow, okay, And that's
Speaker 4: what it does.
Speaker 20: That's where that's why I'm calling you, because it does
Speaker 20: actually stay that if you're if you don't touch anything
Speaker 20: on the on the existing portion, that does not have.
Speaker 16: To be brought up to code.
Speaker 4: Yeah, and see Adams County. Actually Adams County can have
Speaker 4: different code in there. But I'll tell you what. We're
Speaker 4: going to get Mark or one of our contractors on
Speaker 4: and we're going to figure it out with you man.
Speaker 4: In fact, they could probably even look up the code.
Speaker 4: I think Shamansky will probably know the answer right off
Speaker 4: the bat. What what municipality are you in? It's Brighten
Speaker 4: and are you doing the work yourself? I am curious
Speaker 4: did you do the framing? Are you going to do
Speaker 4: the finishing. You're going to do the drywalls, so I.
Speaker 20: Have I have framers and I have drywallers. Oh cool,
Speaker 20: But I did the mechanical and the insulation.
Speaker 4: Nice Who did the electrical?
Speaker 16: I have an electrician as well.
Speaker 4: All right, cool, that's cool. Did you what did you
Speaker 4: do for HVAC? Those kind of uh, those big what
Speaker 4: do you call him?
Speaker 3: There?
Speaker 4: I don't know the technical name, but it's not just
Speaker 4: duct work. It's basically like well, it's definitely duckwork, but
Speaker 4: it's not the old aluminum stuff. It's the stuff you
Speaker 4: can bend and twist everywhere.
Speaker 16: Well, no, I didn't do any of that. I did
Speaker 16: hard pipe. I did.
Speaker 20: I did the hard pipe. I'm not a big fan
Speaker 20: of the flex And.
Speaker 4: What kind of egress window did you do? That must
Speaker 4: have cost some bucks.
Speaker 20: So that's the great part is is there was actually
Speaker 20: three egress windows already into the home.
Speaker 16: Oh wow, I don't have to do anything with those.
Speaker 4: You probably got to put a certain like a ladder
Speaker 4: or something on him. But hold on, here's our export
Speaker 4: march manscra Hey Mark with Genesis Total Exteriors. Mark. He's
Speaker 4: done a ton of work at our house. In fact,
Speaker 4: if you're back in town Mark. You need to get
Speaker 4: over there, hopefully next week or the weekend so Suzanne
Speaker 4: and I can get finished up on the projects you're
Speaker 4: doing for us. But Keith's got a question. Man, it's
Speaker 4: pretty interesting. He passed electrical mechanical the base. It's been framed,
Speaker 4: but it's only six hundred feet. He's basically putting a
Speaker 4: bedroom down there. So he's doing just six hundred feet
Speaker 4: in the basement and everything has passed so far, and
Speaker 4: he's to the point where insallation's in, so he had
Speaker 4: the insulation put in. The guy gets there from Adams
Speaker 4: County and basically says, nope, I'm going to fail you
Speaker 4: on insulation because you need to do the entire basement.
Speaker 4: So remember though, he's only doing this one bedroom down there.
Speaker 4: So hey, Keith, real quick, how big is the entire basement?
Speaker 16: The rest of it's about fourteen hundred square.
Speaker 4: Feet, so he's got a two thousand square foot basement.
Speaker 4: He's doing a six hundred foot bedroom down there, and
Speaker 4: this guy failed him on insulation. Keith actually looked at
Speaker 4: a few different things that come to international code or
Speaker 4: national code, whatever you want to call it, and it
Speaker 4: doesn't call for that long as you're not doing anything
Speaker 4: for the other areas. But do you know if Adams
Speaker 4: County is, if this, if this inspectors correct, what do
Speaker 4: you know about it?
Speaker 21: Well, so you know, every city and county is different.
Speaker 21: And you know, it's funny because we just did a
Speaker 21: remodel of the whole house and they weren't concerned about
Speaker 21: the rest of the house even though everything was on
Speaker 21: a code on there. Yeah, and for him, for that
Speaker 21: inspector to you know that, to me, it's just not right.
Speaker 21: They're overstepping their bounds. I would I would contact the
Speaker 21: head of Inspections or the head of the county building
Speaker 21: department and have a conversation with him and ask for
Speaker 21: exemption of or not have to do this. They you know,
Speaker 21: we're not working, they're not we're not using it as
Speaker 21: a livable space, you know, Yeah, just holding our our
Speaker 21: boxes and our Christmas trees and stuff. We don't need
Speaker 21: it insulated. We're not going to you know, put extra
Speaker 21: heat down there, just in the bedroom.
Speaker 4: So basically file what you're saying is to file an appeal,
Speaker 4: a grievance, a grievance could you mark, can you do
Speaker 4: something for us? You don't have to do it right now,
Speaker 4: but I would love to know if that building code,
Speaker 4: why this guy is failing it, if that's actually part
Speaker 4: of Adams County or whatever municipality. And then in the
Speaker 4: follow up question to both of you, I assume you
Speaker 4: walk down the stairs into the basement. Do you walk
Speaker 4: down Keith, into a big empty areas and like back
Speaker 4: in the corner is what we're talking about.
Speaker 16: So that's what I finished.
Speaker 20: When you walk down the stairs, that's going to be
Speaker 20: like a living area.
Speaker 16: Yeah, part of the finish.
Speaker 4: See I don't get that at all, then Mark, I
Speaker 4: agree with Mark. I started thinking if you walk down
Speaker 4: and you're just at a cement floor, no insulation, and
Speaker 4: there's a room way over in the corner, I'm going
Speaker 4: maybe I get where this guy's coming from.
Speaker 20: But that's not the case, right, Yeah, I put in
Speaker 20: all mechanical work.
Speaker 21: Go ahead, Yeah, go ahead, don't go ahead?
Speaker 4: Yeah go Keith.
Speaker 20: Yeah, where I actually where I actually put in mechanical work.
Speaker 20: That is all been insulated. That's going to be the
Speaker 20: living area and the bedroom that's down there. The mechanicals
Speaker 20: all closed off there at the to the right of
Speaker 20: the stairs, and all the unfinished. Is also got a
Speaker 20: temporary wall that's going to have an actual closing door.
Speaker 16: There's no mechanical runs into that.
Speaker 8: I get it, there, you.
Speaker 4: I get it or after, So I would do that.
Speaker 4: So Mark, what do they?
Speaker 13: What is?
Speaker 4: What should he literally do? First? You said to call
Speaker 4: the guy's boss, which I would do Keith or even
Speaker 4: you know what, I would do nicely because you told
Speaker 4: me the guy just like drop you. He's not calling
Speaker 4: you back. I would actually leave them one more message,
Speaker 4: and I'd be really nice. I'd be like, you know,
Speaker 4: I've left you a few messages. I'm trying to understand this,
Speaker 4: but I got to get resolutions. So I'm going to
Speaker 4: try to reach out to your boss or someone, but
Speaker 4: be nice about it. Go ahead.
Speaker 20: That's where I did. That's where I did get to
Speaker 20: I did. I did leave a message for his boss, and.
Speaker 4: You haven't got a call back there return, Hey, Deputy Doc,
Speaker 4: you want to call over and ruffle some feathers, I mean,
Speaker 4: do it in a nice way, but call over to
Speaker 4: Adams County, get Keith's information, and let's try to help
Speaker 4: him through this. You good with this? Stock, Yeah, so
Speaker 4: we're going to do that. But then Mark, is there
Speaker 4: somewhere actually on the website to file that grievance that
Speaker 4: you know about, What exactly do you do?
Speaker 21: I would another thing you can do is just go
Speaker 21: down there and just say, hey, I needed to talk
Speaker 21: to ahead of the building department. Here's my situation. You know,
Speaker 21: maybe eventually you're going to finish the whole basement, but
Speaker 21: it's not in my budget right now. Let's let's get
Speaker 21: this approved. I mean, they should be reasonable.
Speaker 4: Let's say if it is part of code, Mark, and
Speaker 4: I am assuming it is. I'm assuming this guy is
Speaker 4: just not going rogue for no reason. But let's say
Speaker 4: it is. Typically you could get a variance on that.
Speaker 4: Wouldn't you think on something like this we.
Speaker 21: Should be able to and you know, give me a
Speaker 21: give me a half hour and so and I'll see
Speaker 21: if I can get a true answer on that for you.
Speaker 4: Hey, so, Keith, hold on, Keith, I want to make
Speaker 4: sure we have all your information. Deputy Doc's going to
Speaker 4: grab that. He's going to call over there to Adams County. Meantime,
Speaker 4: Mark's going to look up and figure out the exact
Speaker 4: building code for you there, and let's see if this
Speaker 4: guy has anything.
Speaker 16: Okay, all right. I appreciate your help, guys.
Speaker 4: Yeah, you hold on, hold on, hey, Mark, let me
Speaker 4: ask you real quick. I had to put him on
Speaker 4: hold a couple things. One, what are you guys going
Speaker 4: to be doing in the next month? Man? You know,
Speaker 4: I actually had a little bit of snow if you
Speaker 4: can believe that in frank Down overnight, which is crazy.
Speaker 4: But honestly, it's beautiful out now, and it's been beautiful
Speaker 4: for a while. I doubt we're getting that big April dump.
Speaker 4: But even if we do, what are you guys going
Speaker 4: to be concentrating on? I mean, Genesis exteriors. Is it
Speaker 4: time for everybody to start getting bids on decks getting
Speaker 4: their house painted? I mean, what is your call in
Speaker 4: April and May? What floods you guys?
Speaker 21: I'll tell you what. The most most calls we get
Speaker 21: right now are there paint is because you know, I
Speaker 21: have to go through the winds all saying whoh my
Speaker 21: house is on looking so good because winter is really
Speaker 21: really tough on paint big and so people are calling
Speaker 21: and say, hey, can you come take a look to
Speaker 21: paint our house? So that is a big one right now,
Speaker 21: and I think you know, we're only a month away
Speaker 21: from starting to be able to paint outside too, So
Speaker 21: it's ready to start calling to get estimates.
Speaker 4: Yes, sure, get them guys. And because he brought painting up,
Speaker 4: I'll tell everybody listening. Look, they did the exterior of
Speaker 4: our house. It's spent probably four or five years, absolutely beautiful.
Speaker 4: He brought a color expert to scout, came out with
Speaker 4: him and talked to my wife and they looked at
Speaker 4: the color of our like our r V garage and
Speaker 4: our barn, and kind of put the whole thing together
Speaker 4: and came up with the right color. And we wouldn't
Speaker 4: have never chose that color, but it was the best
Speaker 4: thing ever. And in fact, remember I said at the
Speaker 4: beginning of Mark coming on air, I need him out
Speaker 4: next week. They're going to paint the entire interior of
Speaker 4: our house. So yeah, these guys unbelievable interior exterior. He's
Speaker 4: got one of the best painters. I always forget his name,
Speaker 4: but he's worked for Mark for twenty years. What's his name?
Speaker 21: Diaries is who he had come out to.
Speaker 4: No, no, no, who was your actual omar?
Speaker 16: Omar was your paint I know.
Speaker 4: I swear to God if he listens to the show.
Speaker 4: He's got to hate me because I always forget his name.
Speaker 4: But it's unbelievable, Mark. The exterior still looks brand new.
Speaker 4: Anytime I've had anything after Winner, I hit it with
Speaker 4: the powerwasher, like on forty five PSI. It looks brand new,
Speaker 4: like you just did it. But get the quotes on
Speaker 4: the decks, get whatever quotes you want. These guys do
Speaker 4: it all. That's Mark Schamansky. He's the owner Genesis Total Exteriors.
Speaker 4: As in the beginning Genesis, these guys are absolutely wonderful.
Speaker 4: Genesis Total Exteriors dot Com three oh three, six seven
Speaker 4: nine eighty five oh nine. Mark, I appreciate you looking
Speaker 4: into Adams County. Text me or call back with the
Speaker 4: information as soon as you get it. I'd love it.
Speaker 4: That's what our referral list members do. They help people
Speaker 4: like you. Keith and Medina hang type.
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Speaker 4: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate man dot Com to list your
Speaker 11: home with Remax Alliance three all three nine two zero
Speaker 11: sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five Fix it twenty four to seven thirty nine bucks. Look,
Speaker 4: get them out there, get that ac, get it clean.
Speaker 4: They're gonna tear everything apart, including the blower motor in
Speaker 4: that furnace, and clean it up and get that condenser outside.
Speaker 4: Think of all that snow and rain and sleet and
Speaker 4: hail and everything that's hit that thing in the last
Speaker 4: four or five months. They'll come out for thirty nine
Speaker 4: bucks for first time customers and get it clean. You're
Speaker 4: gonna absolutely love it, and you're not gonna beat that
Speaker 4: deal anywhere. No, it's not a sales job. They're gonna
Speaker 4: come out. They're going to put a no breakdown guarantee
Speaker 4: on it when they're done and make sure it's ready
Speaker 4: for summer coming up. They do it because in the future,
Speaker 4: you know that furnace breaks, the AC breaks, you need
Speaker 4: electrical work, you need plumbing services, you need drain cleaning.
Speaker 4: They do all that. They want to introduce these great
Speaker 4: texts and give you a deal. They can't be beat.
Speaker 4: Thirty nine bucks are going to spend an hour and
Speaker 4: a half two hours. You probably see the commercials with
Speaker 4: Tom on TV as well, but check them out. Fixmihome
Speaker 4: dot com, get set up right now, Fix my home
Speaker 4: dot com. Now we're going to go to Teresa has
Speaker 4: a problem with AT and T. Hey, Kelly, I would
Speaker 4: like to get Dan on too. Did you reach out
Speaker 4: to McKenzie? I would like to get him on with
Speaker 4: some asset protection questions that came up of a insurance
Speaker 4: call this morning. Teresa, what is going on with AT
Speaker 4: and T?
Speaker 18: Well Mark? I sent him a an email with final
Speaker 18: notice documentations from AT and T. I was with AT
Speaker 18: and T for twenty seven years, and I stopped service
Speaker 18: with them September last year, paid off our two phones,
Speaker 18: and paid my final bill. Recently, just a couple of
Speaker 18: weeks ago, I received the first letter stating that I
Speaker 18: owe one hundred and eighty dollars and forty six cents
Speaker 18: on this particular account number, noted the account number is
Speaker 18: not my account number. And then if you have questions
Speaker 18: to please call this number or when I've called the number, uh,
Speaker 18: it states and my email.
Speaker 9: It states.
Speaker 18: That this account is managed by an AT and T
Speaker 18: resiler reseller and that I need to contact reseller or
Speaker 18: current provider.
Speaker 5: Me.
Speaker 4: Don't let me. Let me just ask one question real quick.
Speaker 4: Did I hear you correctly that you emailed us something? Yes, Kelly,
Speaker 4: can you send that over to me look through the
Speaker 4: help I'd like to look at it at least on
Speaker 4: the next break.
Speaker 18: I'm Teresa regarding AT and T. If I don't notice, yeah,
Speaker 18: I'll get.
Speaker 4: I'll get it turned the break and look at it.
Speaker 4: But let me ask you something, Teresa. First of all,
Speaker 4: I think this whole thing sucks for without even knowing
Speaker 4: anything about it. I hate when you're loyal to a
Speaker 4: company for so long that they treat you like crap.
Speaker 4: And I don't care if it's Comcast, AT and T, Sprint,
Speaker 4: they all seem to do it these days. It's just
Speaker 4: par for the course. So when AT and T told
Speaker 4: you it has nothing to do with them, it's this reseller,
Speaker 4: did you call the reseller?
Speaker 18: I don't know who it is. I have no idea
Speaker 18: who it is. I can't get through to a number.
Speaker 4: Well, let me ask you this, Why are you even
Speaker 4: worried about it at this point? Isn't it so? At
Speaker 4: and T is saying you don't know him and Nickel?
Speaker 18: Right, well, well that was back in September when I
Speaker 18: paid everything off. Yeah, but I'm saying and a count
Speaker 18: is closed.
Speaker 4: But Teresa, I'm not trying to make this complicated. So
Speaker 4: what I'm saying is, right now, I understand the reseller
Speaker 4: whoever it is, is saying some money is owed or
Speaker 4: at and T is telling you you owe money to
Speaker 4: the reseller. But my question to you is do you
Speaker 4: owe AT and T any money?
Speaker 15: No?
Speaker 4: Okay? And they acknowledge that, right.
Speaker 18: Well, yes, yes they do.
Speaker 4: Okay, Well just yeah, that's doc. That's kind of where
Speaker 4: I'm going. But I'm trying to figure out, so Teresa,
Speaker 4: they're they're like sending you an email or a bill,
Speaker 4: what kind of notifications?
Speaker 18: It's a letter in the two letters in the mail.
Speaker 4: And that's what you sent me, right, That's what I said.
Speaker 4: All right, hold on, let me get you on hold
Speaker 4: take this. I'm going to look at it during the break.
Speaker 4: Then we have a U haul issue. Oh man, I
Speaker 4: hope it doesn't involve you haul insurance. Everybody, hold tight.
Speaker 4: We're going to have two lines open eventually. Three oh
Speaker 4: three seven one three A two five five. I'd love
Speaker 4: to hear from you. Three oh three Martino.
Speaker 5: How's you can.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content
Speaker 11: than time for an insurance check up free, no obligation
Speaker 11: comparison call Compass Insurance paying too much your coverage at
Speaker 11: dozens of insurance companies find out now three oh three
Speaker 11: seven seven to one.
Speaker 4: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: Durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three oh three nine two zero
Speaker 11: sixteen twenty two.
Speaker 4: All right, three oh three seven one three A two
Speaker 4: five five three zero three Martino, goodness, gracious, we got
Speaker 4: two lines open. I'd love to hear from you. I'm
Speaker 4: gonna go back to Teresa's issue with AT and T.
Speaker 4: Bottom line is this Teresa? I still am looking at
Speaker 4: this and it says, uh yeah, is it? Tracy beal
Speaker 4: at and T. Here's the documents final notice AT and
Speaker 4: T total amount to one hundred and eighty. We recently
Speaker 4: final bill AT and T one hundred and eighty. You
Speaker 4: still have an outstanding balance. Go online to AT and T.
Speaker 4: This appears to be directly from AT and T. This
Speaker 4: doesn't appear to be from a third party source. But
Speaker 4: why do they say it's a third party source.
Speaker 18: That's what the recording says when you call their eight
Speaker 18: hundred number, the eight hundred two eight eight twenty twenty.
Speaker 4: All right, well, listen, I'm gonna make this I'm gonna
Speaker 4: make this easy on you. We have an angel over there,
Speaker 4: My wife Suzanne's listening. We're gonna we're gonna email AT
Speaker 4: and T for you, someone that handles real problems and
Speaker 4: hopefully gets is handled and find out what's going on.
Speaker 4: But I want to say this T as well. I mean, really,
Speaker 4: I wouldn't even play around anymore. If you're sure you
Speaker 4: don't owe it? Was that the exact amount you paid
Speaker 4: for the final bill?
Speaker 18: No, no, I paid off our phones. I don't remember
Speaker 18: what the amount was. I have no idea where they
Speaker 18: came up with this one hundred and eighty dollars and
Speaker 18: forty six cents. And what scares me, Mark is you
Speaker 18: know I have an eight hundred and ten BICO score. Yeah,
Speaker 18: and they're threatening to put this to you know, a
Speaker 18: collection agency. Are you freaking kidding?
Speaker 4: Well wait, wait wait, I want to push you a
Speaker 4: little at ease. So just because something's getting collection, they're
Speaker 4: not supposed to put on your credit report. What happens
Speaker 4: is and with AT and T I assure you this
Speaker 4: would happen. They're not going to use some crazy collector,
Speaker 4: not saying it couldn't end up in the hands sold
Speaker 4: pennies on the dollar. But really, what happens, Teresa, is
Speaker 4: they hand it over to collections. Collections tries to intimidate
Speaker 4: you to get paid, and then they got to make
Speaker 4: the real decision is it worth bringing her to court
Speaker 4: over one hundred and eighty dollars. So then if they
Speaker 4: do want to go to that, what they would do
Speaker 4: is they would literally file the lawsuit. Have you served,
Speaker 4: You would go to court, you would have your time
Speaker 4: in court, and let's say you did lose, then they
Speaker 4: could put it on your credit report, but they have
Speaker 4: to go through and get the judgment that you own
Speaker 4: it before it's going to be put on your credit report.
Speaker 4: If not, they could be facing some pretty big penalties.
Speaker 18: Okay, Yeah, I'm just really upset, right.
Speaker 4: Yeah, no, hey, listen, I protect my credit score the
Speaker 4: same exact way, the same exact way. In fact, everybody
Speaker 4: out there should.
Speaker 18: The account number isn't even my account number.
Speaker 4: Well that even makes it even crazier. So but here's
Speaker 4: the deal. We're going to reach out Kelly. Please forward
Speaker 4: that same email that you sent to me to Suzanne
Speaker 4: and she's going to reach out to you. So Teresa,
Speaker 4: make sure you give Kelly your phone number and more importantly, email,
Speaker 4: and Susanna will reach out to you where it is
Speaker 4: and if it's all if it's all bogus, in other words,
Speaker 4: it's literally bogus because it's the wrong account or something,
Speaker 4: Susanna will lets you know or she'll let you know okay,
Speaker 4: they they made it right or whatever.
Speaker 18: Okay, I appreciate it.
Speaker 4: Make sure you call back in when it's done so
Speaker 4: I can give Suzanne the dinger. Three oh three seven
Speaker 4: one three A two five five three zero three. Martina,
Speaker 4: we're gonna have two lines open, Medina, What is going
Speaker 4: on with you? Haul guy?
Speaker 6: Can you hear me?
Speaker 15: Okay?
Speaker 4: I can hear you perfectly, Okay.
Speaker 22: So I had rented a pickup truck, not a moving
Speaker 22: van or anything. I rented a pickup truck for a
Speaker 22: friend who came to town to visit back in January.
Speaker 22: January bucket and I live in Montana and it's really
Speaker 22: cold here around that time, and he wanted me to
Speaker 22: take him around and do like odd jobs. He's trying
Speaker 22: to raise money to get his dog out of the
Speaker 22: hound in Florida.
Speaker 4: Hey, Medina, let me ask you. Let me ask you
Speaker 4: a question right off the bat when you said you
Speaker 4: rented to truck for him. He was out in your
Speaker 4: neck of the woods. Yes, and you went into a place,
Speaker 4: a U haul dealer and rented the truck under your name,
Speaker 4: because I'm assuming he couldn't pay for it based upon
Speaker 4: the story you.
Speaker 9: Told, right right right?
Speaker 4: So was he added as a driver and was he
Speaker 4: driving or were you driving?
Speaker 22: No, he was added as a as a driver.
Speaker 4: Okay, now keep going.
Speaker 22: And so I when we got into the U haul place,
Speaker 22: he went in first, and then he came and got
Speaker 22: me to sign it. So when I went in, he
Speaker 22: yelled and it was just the four of us met him,
Speaker 22: a manager and another worker, and he yelled out and
Speaker 22: he said, then I got insurance on this too, and
Speaker 22: I said, okay, so and I just went and I
Speaker 22: signed it. I just trusted everything was fine. And I've
Speaker 22: never really rented a U haul truck before, so I didn't.
Speaker 4: It's just like running a car. But so so that
Speaker 4: I guess you're kind of teasing where we're going here.
Speaker 4: So you thought you had the insurance, but it turns
Speaker 4: out you didn't.
Speaker 22: Right, so on, I was supposed to return it on
Speaker 22: the sticks, and what happened though the evening before. The
Speaker 22: guy that I had rented it for. His name is Randy,
Speaker 22: and he's kind of handicapped where he was in a
Speaker 22: wreck couple of years ago, so he doesn't.
Speaker 4: Walk right, got it.
Speaker 22: And then it's really icy here, so he fell on
Speaker 22: the ice as he was going in to rent a
Speaker 22: room for them, him and his friend that.
Speaker 4: He yeah, that's fine, but what happened with the vehicle itself?
Speaker 22: So he handed the guy the keys to repark the
Speaker 22: car while he went in and got the room.
Speaker 4: And the guy is the friend he's getting the room for,
Speaker 4: which of course is not listed on the contract, right right, Okay,
Speaker 4: hold on, this is uh well, I don't want to
Speaker 4: say it's complicated. It's interesting. I'm hoping we can come
Speaker 4: up with some answers. I promise right after this, I'll
Speaker 4: bring you right back up Medina.
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Speaker 13: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation comparison
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Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five three zero three Martino. We got We're gonna
Speaker 4: have three lines open, and I'd love to hear from
Speaker 4: you any problem you have. You need some advice on anything,
Speaker 4: We've got attorneys available. If I can't answer the question,
Speaker 4: We've got contractors. We even have Denis available. Three zero
Speaker 4: three Martino. Now, I want to go back to a
Speaker 4: situation I hope no one gets themselves into. And I
Speaker 4: know exactly where this is going I'm trying to figure
Speaker 4: out how we're going to be able to help Medina.
Speaker 4: But basically she's kind. I'll start out like that. She's
Speaker 4: a very nice lady. She has a friend in need,
Speaker 4: was trying to get some odd jobs done. Needed a
Speaker 4: pickup truck, so she rented a pickup truck. She did
Speaker 4: the right thing renting it from you Haul, because she
Speaker 4: added the friend on is a driver, so in case
Speaker 4: if something happens there, he's covered under the insurance as well.
Speaker 4: But the issue seems to be he had a friend
Speaker 4: with them. And by the way, this guy, the reason
Speaker 4: he's doing these odd jobs and she's helping out is
Speaker 4: his dog got taken away and I guess it's in
Speaker 4: the pound and he's trying to come up with the
Speaker 4: ransom to get the dog out. I mean, that's pretty
Speaker 4: much the story, but that's not the problem. What the
Speaker 4: problem becomes is he had a friend. It was really slippery.
Speaker 4: The guy that was added to it slipped and fell
Speaker 4: after parking it, and they had to move the vehicle
Speaker 4: and basically he couldn't get back in and move it
Speaker 4: right away, so he had his friend move it. And
Speaker 4: what happened, What did the friend do Medina.
Speaker 22: So the friend it's actually a homeless guy, he thought,
Speaker 22: because I was hoping him he would turn around and
Speaker 22: pay it forward. And he helped this guy. He bought
Speaker 22: him new shoes, new boots to the winter.
Speaker 4: So he let the homeless guy drive the truck that
Speaker 4: you rented for him.
Speaker 22: Well, he only had him park it, but he went
Speaker 22: to let him stay the night with him, and a
Speaker 22: couple of nights. So he was doing good and they
Speaker 22: were running around together and he was helping him, and
Speaker 22: he said he did not imagine him just taking off
Speaker 22: with the truck.
Speaker 4: He stole it the guy. Wait, so the guy just
Speaker 4: literally stole it.
Speaker 22: He stole it.
Speaker 4: Now, and you said something you couldn't imagine it. I
Speaker 4: could easily imagine a homeless guy stealing the truck.
Speaker 22: Yeah, because he was helping him so much. He helped
Speaker 22: him two three days. I don't even know.
Speaker 4: Did you know? Did you know this guy was involved
Speaker 4: at any of this point?
Speaker 22: No?
Speaker 4: So I assume you reported it stolen.
Speaker 22: Yes, he reported it, Randy, he reported it.
Speaker 4: Uh, you are so screwed.
Speaker 9: Yeah, So let's just jump.
Speaker 4: Forward to where we're at right now. What is U
Speaker 4: Haul asking for?
Speaker 22: So we asked. He asked for insurance, and they fell
Speaker 22: to put it on. They did not put it on.
Speaker 4: It wouldn't have mattered. Neither of you were driving the
Speaker 4: car even if he did ask for insurance. I mean,
Speaker 4: here's the bottom line. There was either insurance or there wasn't.
Speaker 9: Right.
Speaker 4: Do you have the paperwork?
Speaker 22: Yeah, you do, it's fourteen thousand.
Speaker 4: No no, no, hold on, hold on, I listen. I
Speaker 4: want to make sure because it is possible. I highly
Speaker 4: doubt it, but it is possible. We had a case
Speaker 4: years ago where they claimed the person didn't have insurance.
Speaker 4: They claimed it. It was a very strange rental car company.
Speaker 4: It wasn't like Hurtz I can't think of the name of.
Speaker 4: It wasn't a big one like Dollar anybody. But the
Speaker 4: bottom line is they said he denied the coverage. He
Speaker 4: literally had the original paperwork in a PDF form where
Speaker 4: he accepted the coverage, and they ended up changing their
Speaker 4: story and paying out. So do you have the original
Speaker 4: receipt from that U haul dealer on the insurance where
Speaker 4: you either declined it you usually check it in initial
Speaker 4: it or were you accepted the insurance.
Speaker 22: I don't recall, I just recall finding it okay, I
Speaker 22: didn't know about any of it because I thought he
Speaker 22: took care of the paperwork.
Speaker 4: Listen, I'm going to assume there was no insurance, and
Speaker 4: I'm just going to assume it all together. If you
Speaker 4: can get a copy of that, I would like to
Speaker 4: look at it just to one hundred percent make sure
Speaker 4: you didn't have coverage. But hold on, listen, you're gonna
Speaker 4: be first up again. It's just the top of the hour.
Speaker 4: I've got a few ideas on this, but I need
Speaker 4: to know how much they're asking. And I hate to
Speaker 4: see say this, but I need to understand your assets
Speaker 4: and your collectibility. So hold on three zero three Martino,
Speaker 4: two lines open.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home.
Speaker 13: With Max Alliance three oh three nine two zero sixteen
Speaker 13: twenty two.
Speaker 1: Yeah, news advice who you don't have. You'll come running
Speaker 1: just as fast as we can. Shooter's gonna help come man.
Speaker 3: This is the Troubleshooter Show. No Tom Martinez.
Speaker 4: Welcome my friends to the only show this guy. We're
Speaker 4: here to solve problems, to answer your questions, take complaints.
Speaker 4: We get directly involved in your life. You have any problems,
Speaker 4: or maybe you see a problem coming up and want
Speaker 4: some advice on it. We'd love to hear from you
Speaker 4: that three oh three Martina works all the time. Please
Speaker 4: tell your friends leave a message. I promise we'll get
Speaker 4: back to you either right away depending on when you
Speaker 4: leave the message, or the next day, or you can
Speaker 4: email us at help HLP, Help It troubleshooter dot com
Speaker 4: and we can do the same. We've been talking to
Speaker 4: a lot of things today. I left off last hour
Speaker 4: with Medina. I hope this is a lesson to everybody
Speaker 4: out there. When you rent a vehicle, you got to
Speaker 4: list everybody that's going to drive it on there, or
Speaker 4: basically you have no coverage whatsoever. You have absolutely zero coverage,
Speaker 4: and I'll tell you where the call generally comes in.
Speaker 4: You rent a vehicle and you rent it for your
Speaker 4: kid because they're under twenty five and you can't find
Speaker 4: a rental place and they end up driving this rental
Speaker 4: and they end up in an accident, and then bam.
Speaker 4: Your own insurance company typically won't Your own insurance company
Speaker 4: typically won't do it. In the insurance company itself, the
Speaker 4: insurance you bought isn't going to cover it. Now, what'd
Speaker 4: see if the driver's not on there? You just look
Speaker 4: at it this way, You're not going to have coverage
Speaker 4: on it. You're just simply not going to have coverage.
Speaker 4: There might be some situations where your own insurance might
Speaker 4: cover something, but that's pretty iffy. I sure wouldn't bank
Speaker 4: on it. But in her situation, Medina, she did the
Speaker 4: right thing at the beginning. Well, actually, Medea, I don't
Speaker 4: think you did do the right thing. And I once again,
Speaker 4: this is for everybody else out there, you know, renting
Speaker 4: the vehicle and adding someone else on and then they're
Speaker 4: really the ones driving it. I am so glad you
Speaker 4: got a big heart and you were helping this guy out,
Speaker 4: and I know you did not know he was going
Speaker 4: to allow some homeless guy to start using the truck
Speaker 4: as well. But I hope in the future you never
Speaker 4: even consider anything like this again. Teck, No, how much
Speaker 4: does you all want? Fourteen thousand, fourteen?
Speaker 22: I already paid one seventy three, one.
Speaker 4: Hundred and I'm sorry, one hundred and seventy.
Speaker 22: Three fifty seven and that's just for the rental for
Speaker 22: the forty Yeah, they charged me fourteen thousand, six hundred
Speaker 22: and forty one dollars and fifty cents extra.
Speaker 4: Did you pay that?
Speaker 22: Well, they took it out of my credit card. They
Speaker 22: charged my credit card without asking me.
Speaker 4: Oh my god, you agreed to that. You agreed to
Speaker 4: it it? Yeah, you agree to it.
Speaker 5: I'll tell you that.
Speaker 4: Yeah, So what happened? And then did you actually call
Speaker 4: your credit card company up and dispute it?
Speaker 22: Yes, and they won't let me.
Speaker 18: They said it's a torque.
Speaker 22: Claim it is they stating that they.
Speaker 4: Can't do anyth Yeah, they can't. They signed the contract. Wow,
Speaker 4: you're in worse shape than I thought.
Speaker 22: Yeah, well it hards me wrong.
Speaker 15: Drop off of.
Speaker 4: Twelve hundred, Madina. I mean, let's just kind of look
Speaker 4: at the big picture overall, though I'm a little I
Speaker 4: don't quite understand why it was only fourteen thousand. Was
Speaker 4: it an older vehicle? Did they ever did the homeless
Speaker 4: guy wreck it? And that's what it costs to repair?
Speaker 4: How did they come up with the fourteen thousand?
Speaker 22: I have the list here.
Speaker 9: It's no.
Speaker 4: I mean in general terms, did they ever recover the vehicle?
Speaker 6: Yeah?
Speaker 4: They did, and it adds fourteen thousand dollars in damage.
Speaker 22: Basically, No, I wish, I wish it was just damages.
Speaker 22: My insurance would have taken care of it. My insurance
Speaker 22: after my thousand dollars deductible. They only they only paid
Speaker 22: me fifteen hundred.
Speaker 4: Why what did they cover on it?
Speaker 22: Just the damages which was barely any damage.
Speaker 4: So what was the rest of the money Just time
Speaker 4: of use? They couldn't rent it out, so they charged
Speaker 4: you basically the whole time it was gone.
Speaker 22: That too, But it says missing and damage fee of
Speaker 22: twenty five hundred, okay, calling fee eighteen hundred, cleaning fee
Speaker 22: twelve hundred, wrong drop off twelve hundred, seven thousand, seven
Speaker 22: hundred just in miles. Yeah, and I guess they recovered it.
Speaker 18: They said in South Dakota.
Speaker 22: They hauled it all the way to North Dakota.
Speaker 4: Yeah, that's it. That's the wrong drop off. I hate
Speaker 4: to say this, I don't say.
Speaker 6: I.
Speaker 4: Okay, if you wanted to try to go after some
Speaker 4: of it, like seventy five hundred dollars of it, okay,
Speaker 4: if he wanted to try that in Colorado, at least
Speaker 4: that would be a small claims. But here's what I'm
Speaker 4: afraid of. You agreed to every bit of this, every
Speaker 4: single bit of this. When you swiped that credit card,
Speaker 4: you agreed that they could charge that credit card, which
Speaker 4: you already learned through your own credit card company. I'm
Speaker 4: more curious on this. Do you have the money? I mean,
Speaker 4: what is this going to financially do to you?
Speaker 22: No, I'm a disabled, single mom. I'm not even working.
Speaker 22: I'm trying to get on disability.
Speaker 4: So let's talk about your particular circumstance. We know you
Speaker 4: have credit card debt of at least fourteen thousand right now, right?
Speaker 22: Yeah?
Speaker 4: What other debt do you have?
Speaker 10: Well?
Speaker 4: I have a you can ballpark? Do you ow on
Speaker 4: a car?
Speaker 15: No?
Speaker 22: I got my house paid off and my car paid off?
Speaker 4: Okay, so how much how much is your house worth?
Speaker 22: Over too?
Speaker 4: So over two hundred thousand? And you do you have
Speaker 4: any access to that kind of equity or I'm sorry,
Speaker 4: you have it paid off? Do you have like a
Speaker 4: heat lock or any line of credit on it or no?
Speaker 15: I have no idea.
Speaker 4: And where do you live? Do you live in Colorado?
Speaker 10: No?
Speaker 22: In Billings, Montana?
Speaker 4: Hey, doc, do me a favor. Look up Billings Montana
Speaker 4: bankruptcy home loans. Just look it up just like that.
Speaker 4: I'm just not familiar with there. What else do you
Speaker 4: actually own? How much is that car worth?
Speaker 22: Probably seven?
Speaker 4: So the car's worth seven maybe? And what else do
Speaker 4: you have? How much money in the bank?
Speaker 22: I don't have anything?
Speaker 4: Okay, so you basically get what each months so security
Speaker 4: or what?
Speaker 22: I get? Nothing?
Speaker 4: How do you eed? Just help me?
Speaker 22: I'm just using my credit.
Speaker 4: Card, okay, so you're using their credit card. So interestingly enough,
Speaker 4: if you were in Colorado and you filed a bankruptcy,
Speaker 4: you wouldn't lose the house, I mean, unless there's some
Speaker 4: kind of fraud or something else. And I'm hoping it's
Speaker 4: the same way in Montana, and you would keep your car.
Speaker 4: I would be able to argue, or most people would
Speaker 4: be able to argue the vehicle. If you're saying it's
Speaker 4: seven grand, it's probably going to be under the exemption.
Speaker 4: You could argue us under five certain things you couldn't
Speaker 4: get rid of. I don't know if you own any guns.
Speaker 4: Do you no any jewelry, antiques? No, any paintings, artwork?
Speaker 22: No?
Speaker 4: Okay, I'm just mentioning some stuff that you would have
Speaker 4: to give up for other people listening. So, honestly, Doc,
Speaker 4: did you find anything on that?
Speaker 5: What did you want me to look at? Billings Montana?
Speaker 4: Yeah, Billings or no, not just Billings Montana bankruptcy exemptions.
Speaker 4: I'm looking for the car exemption number in the home
Speaker 4: exemption number. So listen. What it's actually looking like, Madine,
Speaker 4: is not the most horrible thing, because you appear to
Speaker 4: be non collectible. If you were in Colorado, you're non collectible.
Speaker 4: You would simply go bankrupt right now. You would file
Speaker 4: a Chapter seven in federal court. You would hire somebody
Speaker 4: for maybe one thousand bucks or whatever it is, and
Speaker 4: you would owe nothing anymore. The credit card debt would
Speaker 4: go away. Your house would be exempted, so they couldn't
Speaker 4: touch it. If you do have some kind of qualified
Speaker 4: plans like an IRA or Social Security or something, they
Speaker 4: wouldn't be able to touch that. Going forward, I mean, really,
Speaker 4: you're not in a bad place considering your uncollectible and
Speaker 4: considering you have no way of paying anything right now.
Speaker 4: And I got the exemptions, mark, what are they? What's
Speaker 4: a home exemption?
Speaker 5: Home exemption is up to two hundred and fifty thousand.
Speaker 4: Bam, Emily, they can't touch.
Speaker 5: Your HOUSEBI is twenty five hundred.
Speaker 4: You might have an argument, and personal property is forty
Speaker 4: five hundred. Yeah, so listen, you are basically uncollectable. I mean,
Speaker 4: there's good and bad to it in your circumstance right now. Uh,
Speaker 4: it's actually good because you do owe that money, and
Speaker 4: you're not going to hire an attorney and fight it,
Speaker 4: not simply because an attorney would cost you a fortune
Speaker 4: to do because I personally don't think you'd win it.
Speaker 4: And that's not legal advice. But these calls like this
Speaker 4: for over thirty years I've heard, and honest to God,
Speaker 4: listen to this. You agreed to all that when you
Speaker 4: rented the vehicle and some homeless guys stole it, that
Speaker 4: one of your drivers allowed to use it. But Medina,
Speaker 4: you understand what I'm saying. They have nothing to get
Speaker 4: from you.
Speaker 22: Yeah.
Speaker 15: Yeah.
Speaker 22: The problem is is my credit score is over eight hundred,
Speaker 22: and I've been doing so good, and that'll ruin it all.
Speaker 6: Won't it?
Speaker 4: Well, Medina, I guess I'm a little bit of a
Speaker 4: loss then, And here's what I mean by that. You
Speaker 4: said you're trying to get on Medicare, didn't you? Or Medicaid?
Speaker 9: No?
Speaker 4: No disability on Social Security disability?
Speaker 22: Yeah?
Speaker 4: Okay, So uptill, how did you pay your credit card
Speaker 4: bills a month ago?
Speaker 18: So?
Speaker 22: I just I sell things locally, like I'll buy stuff
Speaker 22: at thirst stores and then I just sell them. And
Speaker 22: that's how I've been.
Speaker 4: Kind of like SKA market stuff, yeah.
Speaker 22: Like getting gas and food, And that's.
Speaker 4: How you've been doing it. But long term, long term,
Speaker 4: what were you expecting? In other words, if this okay,
Speaker 4: let's get real here, because I want to make you
Speaker 4: feel better if I can. Let's get super real. If
Speaker 4: this did not happen, if this homeless guy didn't steal it,
Speaker 4: where would you be right now? What's the difference in
Speaker 4: your credit score? In other words, your income wasn't going
Speaker 4: to change.
Speaker 22: No, but I wouldn't have that fourteen.
Speaker 4: Thousand on there right But you have no ability to
Speaker 4: pay the fourteen thousand back. I guess what your argument
Speaker 4: is I guess what your argument is. You could still
Speaker 4: charge some stuff to your credit card and make a
Speaker 4: little bit of money to pay it off each month.
Speaker 18: Yeah, but how long do you think?
Speaker 4: But Medina, please, how long do you think that would
Speaker 4: have lasted? I don't know what's your ultimate goal? And
Speaker 4: forget about this fourteen thousand listen, it's gone. I want
Speaker 4: to really tell you my advice to you on this.
Speaker 4: I would get and talk to a bankruptcy attorney, and
Speaker 4: I would do it before you pay another nickel to anybody,
Speaker 4: to anybody, to anybody. You follow what I'm saying. Yeah,
Speaker 4: you talk to a bankruptcy attorney. If you have another
Speaker 4: credit card, you don't pay that off, then call him.
Speaker 4: If you have anything anything, talk to the attorney and
Speaker 4: a bankruptcy attorney and find one that is relatively cheap.
Speaker 4: To me, you sound like what we call a no
Speaker 4: asset Chapter seven. You should be able to find somebody
Speaker 4: in Montana for somewhere between one thousand and fifteen hundred bucks.
Speaker 4: But talk to a few of them, but you have
Speaker 4: to tell them the circumstances where you're at. You're not
Speaker 4: going to do anything about that debt. Besides get rid
Speaker 4: of it through bankruptcy or pay it off. And if
Speaker 4: they say, hey, go ahead and just pay one hundred
Speaker 4: bucks a month, don't do it. Talk to that attorney first. Okay,
Speaker 4: Now side note, I want you to feel better. What
Speaker 4: is your long term plan?
Speaker 9: I don't.
Speaker 22: I don't have one.
Speaker 4: Well, if you got on social Security disability, I assume
Speaker 4: you might what sell the house after the bankruptcy. You
Speaker 4: have two hundred thousand dollars there. You would have your
Speaker 4: Social Security disability coming in if that two hundred thousand
Speaker 4: dollars didn't take some of that away. I mean, would
Speaker 4: you move into an apartment?
Speaker 6: What?
Speaker 4: I mean, really? What what do you want to do?
Speaker 16: No?
Speaker 15: I would I.
Speaker 22: Would stay in the house.
Speaker 4: Because, yeah, you would just stay in the house and
Speaker 4: figure out how to pay for the insurance if you
Speaker 4: have insurance, and figure out how to pay for the taxes.
Speaker 9: Yeah.
Speaker 5: Hey, Medina, are you working with an attorney to get
Speaker 5: you the disability?
Speaker 15: Yeah?
Speaker 4: Yeah, So listen, I really want you to call the
Speaker 4: bankruptcy attorney. The other thing you might think about, how
Speaker 4: old are you?
Speaker 22: Fifty one?
Speaker 4: Reverse mortgage never gonna happen.
Speaker 5: No, I was gonna say, ask that attorney to get
Speaker 5: a referral.
Speaker 4: Listen, well, I just say, yeah, listen, Madina, Honest to God,
Speaker 4: you gotta find just because of your money, they're going
Speaker 4: to want cash up front. You're not going to hire
Speaker 4: a five thousand dollars bankruptcy attorney. You don't need it.
Speaker 4: You need to find someone that can file it. You
Speaker 4: have nothing to go after. Everything you own is basically
Speaker 4: under exemption. I think everything. Someone could argue that car
Speaker 4: with no problem. It's so close. But I just really
Speaker 4: I'm trying to think more long term. I want you
Speaker 4: to forget about this. This is done, but it is
Speaker 4: so important you get that bankruptcy filed. If they go
Speaker 4: out and get a judgment and come after you the
Speaker 4: credit card company for that fourteen thousand dollars, and that
Speaker 4: stuff can happen pretty quick. You want it. You want
Speaker 4: to get that bankruptcy to where it just all goes
Speaker 4: away right now. But talk to an attorney there and
Speaker 4: then when you come out of the bankruptcy. I'm going
Speaker 4: to tell you something. If you have a credit score
Speaker 4: of over eight hundred, now it's going to nail you
Speaker 4: with like two hundred points, But in another another two
Speaker 4: or three years, you're gonna be able to get a
Speaker 4: credit card. If you've been paying these guys forever, your
Speaker 4: credit's going to go to hell. If the credit card,
Speaker 4: if you come up with one hundred bucks a month,
Speaker 4: you're going to be paying them forever, and your credit's
Speaker 4: gonna be worse than if you file bankruptcy now and
Speaker 4: waited a couple of years.
Speaker 18: Oh okay, it's.
Speaker 4: Just gonna be horrible. Please talk to a bankruptcy attorney
Speaker 4: if you were here in Colorado, I get one of
Speaker 4: ours on, but it is imperative. I swear to God
Speaker 4: Medina if you get anything out of this call, I
Speaker 4: want you to take two things. One you have to
Speaker 4: call a bankruptcy attorney and discuss the situation. They can't
Speaker 4: touch that money in your house if you go bankrupt, okay,
Speaker 4: tell them exactly what happened and how much you owe
Speaker 4: to each credit card company and to anybody else you know.
Speaker 4: And number two, there's nothing you're going to do in
Speaker 4: my opinion, on that fourteen thousand dollars that you got charged.
Speaker 4: That's how those companies work. You had a homeless guy
Speaker 4: that was driving. Oh I don't even want to get
Speaker 4: into it again. I'm beating a dead horse. I swear
Speaker 4: to God Medina, please please follow up after you talk
Speaker 4: to hold On. I want her to follow up, Kelly,
Speaker 4: get her number. I want her to file up in
Speaker 4: the next couple days or next week with what the
Speaker 4: bankruptcy attorney said, and if she wants more advice on that,
Speaker 4: I'll get one of ours on go ahead doc.
Speaker 5: I was gonna ask if this is a bread and
Speaker 5: butter filing, because the attorney that she's working with on
Speaker 5: disability just file it for her.
Speaker 4: It might be the only reason I'd say it might
Speaker 4: be worth asking is social Security disability is actually in
Speaker 4: federal court as well as bankruptcy. So it's if the
Speaker 4: guy's ever done it before. But I don't know. If
Speaker 4: he's never done it before, I wouldn't even think about it.
Speaker 4: It only can't have to ask, No, it can't hurt
Speaker 4: to ask at all? All right? Three oh three Martino,
Speaker 4: one line, open, go.
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Speaker 4: Hey, folks, if you listen to this show, Uh, not
Speaker 4: only do we help people, we've recouped over three hundred million.
Speaker 4: I mean, think about that. But you know the education
Speaker 4: value of it is insane, just for people listening. So
Speaker 4: I want to go to one of my experts, Justin Petty,
Speaker 4: and where this is coming up. And Justin's listening right now.
Speaker 4: And I also have John Fuller, another expert on referralist
Speaker 4: dot com. Of course you've heard him do the show here,
Speaker 4: but I'm going to ask him something about this same
Speaker 4: call after I talked to Justin on a different aspect.
Speaker 4: But Emily said something, And here's a quick recap. She
Speaker 4: got hit in her Honda fit. It's a pretty small
Speaker 4: little Honda and got rear ended by Stevens and Son
Speaker 4: painters or landscapers or something. None of that's relevant, and
Speaker 4: she basically is having problems getting her car fixed. How
Speaker 4: she wants they took all liability. They basically said, it's
Speaker 4: our fault and Justin, I got a couple questions for you. One,
Speaker 4: let's talk about property damage. When someone rear ends a
Speaker 4: car in or made in twenty eleven. We're talking about
Speaker 4: a two thousand and eleven Honda Fit and it's got
Speaker 4: thirty five hundred bucks worth of damage. So they basically
Speaker 4: fixed whatever was done to the rear end and they
Speaker 4: painted it. She's not happy that it didn't blend perfectly
Speaker 4: into the rest of the car. So let me ask
Speaker 4: you this. First of all, if someone rear ends me
Speaker 4: and I have got a fourteen year old car, do
Speaker 4: they am I entitled to a completely new paint job
Speaker 4: all the way around? Or is it just that quarter panel?
Speaker 4: Or what typically is the insurance company going to pay for?
Speaker 10: Well, normally, if you can prove that the paint doesn't match,
Speaker 10: if it's an older vehicle, they're going to offer an
Speaker 10: appearance allowance instead of a full repaint because you probably
Speaker 10: can't match it the original paint. Yep, it's probably not
Speaker 10: the exact same tint that it would have been to
Speaker 10: begin with, and it would take some real good custom
Speaker 10: paint mixing to get it to look exactly rot. So
Speaker 10: normally an appearance allowance is what would resolve that issue,
Speaker 10: just you know, some money to compensate for the fact
Speaker 10: that it doesn't match.
Speaker 4: So but but when you say an appearance allowance, I
Speaker 4: want to understand this. Would that be whatever amount of
Speaker 4: money that it would take for a really good painter
Speaker 4: to create that exact color of what's on there. So,
Speaker 4: in other words, your paint would match. Or are they
Speaker 4: simply going to give you a few extra bucks because
Speaker 4: it's not perfect?
Speaker 18: Yeah?
Speaker 10: The second option, there's no signs to it.
Speaker 4: Yeah, yeah, I got you. Now, this is a more
Speaker 4: curious question that comes up all the time. She got
Speaker 4: hit by this company, and let me bring her back
Speaker 4: up really quick. Let me lock you in. Hey, Emily,
Speaker 4: you said the body they so far have paid. She
Speaker 4: already picked her car up. She wasn't happy with justin
Speaker 4: and wants some of the paint work. We're done talking about.
Speaker 4: But the whole thing was thirty five hundred, right, Emily,
Speaker 4: that's about what they paid out.
Speaker 23: About around that reage.
Speaker 4: Yeah, that's fine, And she's valuing her car at eight thousand,
Speaker 4: and I started thinking, even though that car is thirteen
Speaker 4: or fourteen years old? Justin, you have taught me something
Speaker 4: over the years. I really don't care how old it is.
Speaker 4: For the most part, diminished value will always come in. Emily,
Speaker 4: did anybody give you a check for diminished value?
Speaker 22: No?
Speaker 23: And in fact, this year Hunta still has the car. Yep,
Speaker 23: there we do part of the drifts, paint on the bumper. Yep,
Speaker 23: I'm headed over.
Speaker 4: No, I know you're going over there. But you've never
Speaker 4: even heard the term diminished value? Have you?
Speaker 15: No?
Speaker 23: But it's well, I mean I started to see that
Speaker 23: appear on Google when I'm fooling about it.
Speaker 4: Yeah, so hold on, let's let's let Justin I get it.
Speaker 4: I just wanted to know if the insurance company or
Speaker 4: anybody brought it up to you. But Justin, even on
Speaker 4: a car that old, wouldn't you say, in general, if
Speaker 4: it had thirty five hundred dollars in repairs and the
Speaker 4: vehicle truly were was worth eight thousand that I mean
Speaker 4: they basically wrecked a third of that car, that there
Speaker 4: would be diminished value.
Speaker 10: Oh certainly, Yeah, I mean.
Speaker 4: And what do you think the percentage of the value
Speaker 4: of that vehicle was diminished? Twenty percent?
Speaker 10: Probably probably not that much on that year. And also,
Speaker 10: you know, we want to make sure that it didn't
Speaker 10: already have an accident history of some kind. But considering
Speaker 10: that it wouldn't have an accident history before this, probably
Speaker 10: more in the range of twelve to fifteen percent.
Speaker 4: So that would be another that would be another fifteen
Speaker 4: hundred bucks on the high side. Right now, since that
Speaker 4: insurance company, whoop, she might have walked in there, but
Speaker 4: justin since that insurance company did not offer her that,
Speaker 4: what does she do at this point to get that
Speaker 4: diminish value because they never cough it up?
Speaker 10: Do they not?
Speaker 12: Easily?
Speaker 10: Yeah, you have to demand it and you know that
Speaker 10: it is the amount I should say, document the amounts
Speaker 10: that dragging for.
Speaker 4: So they never So here's what I'm saying. They never
Speaker 4: gave the first thing we were talking about, is that
Speaker 4: her all right? So so listen, Emily, they never gave
Speaker 4: you any value of what what did you call that?
Speaker 4: For the paint? I forgot what you called it? Justin
Speaker 4: b Yeah, yeah, yeah, they didn't give you the appearance.
Speaker 4: So listen to Emily. They didn't give you the appearance allowance,
Speaker 4: nor did they paint it right, And you're not happy.
Speaker 4: Hopefully they get the drips and stuff fixed. That's a
Speaker 4: different issue. Nor did they give you anything for the
Speaker 4: diminished value. Here's what I want you to do. I
Speaker 4: don't know how well this is going to align, but
Speaker 4: I would guess if this was just in dealing with this,
Speaker 4: you would be looking at anywhere from fifteen hundred to
Speaker 4: two thousand dollars more and some of that cash in
Speaker 4: your pocket the diminished value because your vehicle simply is
Speaker 4: not worth how much it is now prior to the accident.
Speaker 4: So here's the deal. I'm going to give you his
Speaker 4: phone number and website. I want you to call him
Speaker 4: and talk to him about diminish value and how to
Speaker 4: get it and how much he thinks it is. He'll
Speaker 4: ask you some basic questions about the vehicle, all right,
Speaker 4: will do absolutely, thank you, and I want you to
Speaker 4: check back in with us. Don't you forget to call
Speaker 4: back in and say, hey, job, well done.
Speaker 23: Okay, I absolutely will. I'll be excited to place by call.
Speaker 4: Yes, I love that, Emily, Okay, Justin H. Petty diminished
Speaker 4: Valueexpert dot com. Diminished Value Expert dot Com. His phone
Speaker 4: numbers two one, four, two, two seven two, one, five, four,
Speaker 4: I've got to take this quick break. But actually, hey, Justin,
Speaker 4: I appreciate that man. Anybody out there, this guy's absolutely wonderful.
Speaker 4: He helps a lot of our callers out for free.
Speaker 4: Hey real quick, John Fuller. Listen one of the things
Speaker 4: she said, and it kind of grabbed my ear at
Speaker 4: the beginning. And we've got to do this real quick.
Speaker 4: But this drives me crazy. I asked, just because she
Speaker 4: got rear ended and the vehicle has been in the
Speaker 4: shop for a while. I said, you have injuries. She goes,
Speaker 4: she kind of hesitated. She was like yeah, And I
Speaker 4: was like, well, ambulance hospital, what happened? She goes, No,
Speaker 4: But you know, I guess you call it whiplash. I
Speaker 4: had to go to my primary care a few times,
Speaker 4: and you know, I hurt for a little bit. But
Speaker 4: she never called an attorney. But she literally has bills,
Speaker 4: She probably had a copay, She probably had some lost
Speaker 4: time at work. I mean, when do you call an attorney?
Speaker 4: And John, I got to try to keep you under
Speaker 4: a minute. You know the deal?
Speaker 24: Everything I know in one minute or left. Here's the thing,
Speaker 24: just like Justin said, the insurance companies are never just
Speaker 24: going to volunteer to pay you what they're lawfully required
Speaker 24: and are lawfully responsible for. And in Colorado, the at
Speaker 24: Fall party is responsible for all of those damages. So
Speaker 24: when you go to the doctor, you pay those copays,
Speaker 24: use your health insurance. All of those avenues are really
Speaker 24: supposed to be repaid out of the proceeds of the settlement.
Speaker 24: You have to go out and advocate for yourself to
Speaker 24: you know, to successfully pull that off, or you need
Speaker 24: to call some money like myself. If you don't do it,
Speaker 24: they're not going to remind you, and you just kind
Speaker 24: of gave up on the entire opportunity to be taken
Speaker 24: care of and to be pay They made hold.
Speaker 4: It is a total side note, not like I'm fighting
Speaker 4: for healthcare insurance companies, but honestly, how insurance works. If
Speaker 4: you're hurting an accident and they have insurance, Ultimately those
Speaker 4: people are supposed to be paying, not you paying a deductible,
Speaker 4: not your insurance, your health insurance company paying for it.
Speaker 4: The other people are the ones that are supposed to
Speaker 4: pay for it. I mean, right, John, is that not
Speaker 4: how it works?
Speaker 24: That's absolutely the way it's supposed to work.
Speaker 4: Yeah, So everybody kind of gets ripped off when it's
Speaker 4: not done the right way. Listen, John Fuller will take
Speaker 4: any call you have on personal injury. John, I appreciate it.
Speaker 4: Three ZHO three five nine seven forty five hundred. He'll
Speaker 4: be with us tomorrow too as well