WEBVTT 1 00:00:00.520 --> 00:00:10.640 Yeah, ripped off news, need advice? Who you don't help? 2 00:00:12.800 --> 00:00:15.199 Come running just as sass as we can. 3 00:00:16.000 --> 00:00:19.719 Shooter's gonna help. Come man. 4 00:00:19.960 --> 00:00:24.760 This is the Troubleshooter Show now, Tom Martinez. 5 00:00:26.239 --> 00:00:29.280 Welcome my friends to the only show of it's kind. 6 00:00:29.519 --> 00:00:31.280 We are here to help you. We are here to 7 00:00:31.320 --> 00:00:34.600 help you solve problems, answer questions, try to make your 8 00:00:34.640 --> 00:00:36.200 life a little bit better. If you just got a 9 00:00:36.280 --> 00:00:39.280 question out here. We have got a team of attorneys 10 00:00:39.320 --> 00:00:43.039 and professionals, and contractors and pretty much you name it 11 00:00:43.200 --> 00:00:45.880 referral list dot com to get directly involved in your 12 00:00:45.920 --> 00:00:48.759 problem or question, and we love doing it. In fact, 13 00:00:48.759 --> 00:00:52.439 we have saved consumers like you over three hundred million 14 00:00:52.640 --> 00:00:58.399 dollars in cash, merchandise and exchanges, refund services, you name it, 15 00:00:58.439 --> 00:01:00.840 we've done it. We have also a team of deputies, 16 00:01:00.880 --> 00:01:03.479 like Deputy Doc to my right, Deputy Doc. How are 17 00:01:03.520 --> 00:01:04.400 you this morning, sir? 18 00:01:05.200 --> 00:01:08.079 I'm rare to go to help people with whatever problems 19 00:01:08.120 --> 00:01:08.319 I have. 20 00:01:08.439 --> 00:01:11.519 Mark, I absolutely love it. We've got Kelly answering your 21 00:01:11.640 --> 00:01:14.439 calls and Shannon running the board. The phone number is easy. 22 00:01:14.439 --> 00:01:17.159 I'll always tell you when the line's open. Right now, 23 00:01:17.159 --> 00:01:20.400 we have two open, three h three seven one three 24 00:01:20.560 --> 00:01:24.599 eight two five five three zero three seven one three 25 00:01:24.799 --> 00:01:27.920 eight two five five. I am trying to get an 26 00:01:27.959 --> 00:01:34.239 attorney on that basically sued Colorado, and it really does. 27 00:01:34.280 --> 00:01:37.879 It comes down to the state over the seventy five 28 00:01:37.959 --> 00:01:44.120 dollars civil penalty of crossing the double lines. It's insane. 29 00:01:44.239 --> 00:01:47.640 Kelly emailed me this last night, and I believe it 30 00:01:47.719 --> 00:01:50.159 was nine News that put it on, and I think 31 00:01:50.239 --> 00:01:53.280 Kelly was that yesterday. Do you know, did you actually 32 00:01:53.760 --> 00:01:55.519 see it yesterday live or what? 33 00:01:55.879 --> 00:01:55.959 No. 34 00:01:56.120 --> 00:02:01.719 I saw it on Twitter and I was flat acid. Yeah, 35 00:02:01.799 --> 00:02:05.200 I mean, I'm pretty I'm pretty shocked by the whole thing. 36 00:02:05.239 --> 00:02:07.920 So the bottom line is this guy suit and we're 37 00:02:07.920 --> 00:02:09.599 gonna talk about it whether we can get him on 38 00:02:09.759 --> 00:02:13.439 or not. But I've actually texted Is a cell phone 39 00:02:13.439 --> 00:02:15.719 and reached out to him and Kelly as as well. 40 00:02:15.759 --> 00:02:17.719 So we really want to get this guy's on. But 41 00:02:17.800 --> 00:02:19.960 how many people out there have gotten these seventy five 42 00:02:20.039 --> 00:02:22.319 dollars tickets. I know a lot of people got the 43 00:02:22.360 --> 00:02:25.360 warnings before they went live with it. But here's the 44 00:02:25.400 --> 00:02:28.960 bottom line. We see these double lines everywhere. Now. The 45 00:02:29.000 --> 00:02:31.120 one I see all the time is if I'm driving 46 00:02:31.159 --> 00:02:35.439 from our house or from Castle Rock to Colorado Springs. 47 00:02:35.479 --> 00:02:41.560 That double line is absolutely everywhere, and your car if 48 00:02:41.560 --> 00:02:44.280 you go into the double line. What they say is 49 00:02:44.960 --> 00:02:49.599 it's an infraction. But the problem is the infraction is 50 00:02:49.680 --> 00:02:54.879 not what the infraction rules say, so this attorney, so 51 00:02:55.280 --> 00:02:57.800 basically they say, you're not if I recall them, I'm 52 00:02:57.800 --> 00:02:59.960 going to pull up the information. But here's the bottom 53 00:03:00.120 --> 00:03:01.879 line of what the attorney said. And by the way, 54 00:03:01.960 --> 00:03:04.479 he won. He won and did not have to pay 55 00:03:04.520 --> 00:03:07.439 the seventy five bucks. But he's an attorney. It would 56 00:03:07.520 --> 00:03:09.919 cost the average Joe a ton of money to do this. 57 00:03:10.280 --> 00:03:13.879 But here's basically what happened. It's really bonkers. If you 58 00:03:14.000 --> 00:03:18.360 read the statute, it says it's not paying a toll. 59 00:03:18.680 --> 00:03:21.759 So they're using a statute of not paying a toll 60 00:03:22.319 --> 00:03:26.599 by giving you an infraction for driving over the double lines, 61 00:03:26.639 --> 00:03:30.199 which he argued in front of a judge. That's insane. 62 00:03:30.719 --> 00:03:33.719 I did pay the toll because he did go into 63 00:03:33.759 --> 00:03:36.120 the lane. He just went into it late, so we 64 00:03:36.240 --> 00:03:38.680 went through the double lines. Listen to this. It's nuts. 65 00:03:38.800 --> 00:03:40.800 He goes through the double lines and he goes through 66 00:03:40.879 --> 00:03:43.840 the toll and his toll account got billed. So he 67 00:03:44.039 --> 00:03:46.479 showed the judge, Look, I did get billed. I got 68 00:03:46.560 --> 00:03:48.960 built on the toll right where I got this ticket, 69 00:03:49.319 --> 00:03:52.120 So I did pay the toll. And the statute talks 70 00:03:52.159 --> 00:03:54.919 about not paying a toll. How can you give me 71 00:03:55.400 --> 00:03:58.439 a ticket for seventy five dollars or a civil penalty 72 00:03:59.240 --> 00:04:03.719 for seventy dollars for crossing a double line when that's 73 00:04:03.800 --> 00:04:07.000 not even the infraction. If there was an infraction for 74 00:04:07.360 --> 00:04:10.520 reckless driving or something that would have to come from 75 00:04:10.599 --> 00:04:14.719 a police officer, it cannot come in the method that 76 00:04:14.759 --> 00:04:18.199 he got and he won, and he's thinking about doing 77 00:04:18.279 --> 00:04:22.639 listen to this, he's actually thinking of getting everybody together 78 00:04:22.720 --> 00:04:26.079 that's paid that seventy five dollars in doing a class action. 79 00:04:26.279 --> 00:04:29.959 I absolutely want to get this guy on and understand 80 00:04:30.040 --> 00:04:33.279 it better, and I would love to help feed him 81 00:04:33.879 --> 00:04:37.040 different people. Because how many calls have we gotten on this, 82 00:04:37.519 --> 00:04:41.360 I'd say, what do you think, Kelly? At least twenty five? 83 00:04:41.560 --> 00:04:45.040 I'd say at least twenty five, maybe just in the 84 00:04:45.120 --> 00:04:49.000 last month. We get them absolutely all the time, Yes, 85 00:04:49.279 --> 00:04:51.160 and I'm sick and tired of it. I mean, it 86 00:04:51.240 --> 00:04:54.560 is kind of strange if you're paying the toll. I 87 00:04:54.680 --> 00:04:57.079 understand that people are trying to get around the toll, 88 00:04:57.560 --> 00:05:01.399 that's an infraction. But people that act get in and 89 00:05:01.519 --> 00:05:03.920 end up paying the toll or get out of it 90 00:05:04.000 --> 00:05:06.959 because they're about to miss their exit, depending on where 91 00:05:07.000 --> 00:05:10.839 you are. This particular attorney was somewhere on I believe 92 00:05:10.879 --> 00:05:13.000 it was I twenty five and then going onto E 93 00:05:13.120 --> 00:05:16.000 four seventy. But it's just crazy. So we're going to 94 00:05:16.040 --> 00:05:18.120 try to get them on a little later in the 95 00:05:18.160 --> 00:05:22.040 show and talk about that. Three oh three seven one 96 00:05:22.199 --> 00:05:25.759 three eight two five five three oh three Martino, Hey, Danny, 97 00:05:25.759 --> 00:05:26.360 what's going on? 98 00:05:28.279 --> 00:05:29.519 Uh? 99 00:05:29.600 --> 00:05:30.600 Yeah, I was. 100 00:05:30.759 --> 00:05:34.639 I was in a car accident, little fender bender. Uh 101 00:05:34.920 --> 00:05:39.800 the other party I got noticed from my adjuster State 102 00:05:39.839 --> 00:05:43.959 Farm adjuster that I'm being sued by the other possibility 103 00:05:44.040 --> 00:05:46.360 of being sued, let me put it that way. Uh, 104 00:05:47.000 --> 00:05:51.160 apparently the other party has an attorney that got in 105 00:05:51.240 --> 00:05:56.560 contact with my adjuster and gave my adjuster. Uh've been 106 00:05:56.560 --> 00:06:00.920 pushing my adjuster from Affi Davids that I'm supposed to 107 00:06:01.040 --> 00:06:04.800 sign and so they sent it to me and it's 108 00:06:04.839 --> 00:06:08.519 all it's all uh lawyer language. Oh, I'm supposed to 109 00:06:09.319 --> 00:06:13.279 mark the box if it's if it's true. Or true 110 00:06:13.319 --> 00:06:13.920 or untrue. 111 00:06:14.240 --> 00:06:16.000 Hey, Danny, I want to go back. I want to 112 00:06:16.000 --> 00:06:18.680 go back in time a little bit. Explain the accident 113 00:06:18.720 --> 00:06:18.959 to me. 114 00:06:20.600 --> 00:06:23.920 Uh, I got I got I ran a red light. 115 00:06:23.959 --> 00:06:26.319 I got charged with running a red light, got it, 116 00:06:26.439 --> 00:06:28.680 and other person plowed into me. 117 00:06:29.439 --> 00:06:31.319 Well, you ran the red light. What do you mean 118 00:06:31.319 --> 00:06:34.000 they plowed on into you? They was it in an intersection? 119 00:06:34.120 --> 00:06:35.040 They t boned you? 120 00:06:36.240 --> 00:06:39.480 Yeah, I just I just got into the intersection and 121 00:06:39.639 --> 00:06:41.879 was plowed in and I got hit by her. 122 00:06:42.160 --> 00:06:44.160 Yeah, but like t boned right, you got hit in 123 00:06:44.240 --> 00:06:45.800 the side of the car. Where'd you get hit? 124 00:06:47.079 --> 00:06:51.000 She hit me right right about the front wheel, got it, 125 00:06:51.040 --> 00:06:53.839 and I was I was westbound and it hit me 126 00:06:54.160 --> 00:06:55.680 and it spun me southbound. 127 00:06:55.759 --> 00:06:57.959 And you did run the red light. How much coverage 128 00:06:58.000 --> 00:06:59.759 do you have? And who is your insurance? 129 00:06:59.759 --> 00:07:04.120 Come company, State, Farm and twenty five thousand dollars maximum, 130 00:07:04.240 --> 00:07:07.399 just like the state requires that. I just got the minimum. 131 00:07:07.560 --> 00:07:11.000 Boy, Danny, Danny, let me ask you something, and we're 132 00:07:11.000 --> 00:07:12.680 gonna we're gonna help you out. In fact, I'm going 133 00:07:12.759 --> 00:07:16.399 to get an expert on because there's a couple of 134 00:07:16.439 --> 00:07:18.439 things going on here. Let me kind of get directly 135 00:07:18.480 --> 00:07:20.360 to your question. Then we'll work through the whole thing. 136 00:07:20.600 --> 00:07:24.839 But directly to your question, your insurance company has to 137 00:07:24.920 --> 00:07:29.439 defend you have has an has an attorney reached out 138 00:07:29.680 --> 00:07:32.879 and then these affidavids they want you to sign. Did 139 00:07:32.959 --> 00:07:36.000 your insurance company send them to you or did they? 140 00:07:36.319 --> 00:07:38.439 Did State Farm send them to you? Directly? 141 00:07:40.399 --> 00:07:44.759 My State Farm is my insurance company. The other person's 142 00:07:44.920 --> 00:07:50.439 lawyer gave these affidavits to my State farm adjuster, got it? 143 00:07:50.560 --> 00:07:54.759 Who relate them to me and is bugging me to 144 00:07:55.319 --> 00:07:56.800 fill them out and send them back. 145 00:07:56.959 --> 00:07:58.600 Yeah. So give me an idea of one of the 146 00:07:58.680 --> 00:08:00.639 questions that you're a little nerves about. 147 00:08:02.399 --> 00:08:07.839 Uh, there's the I'm supposed to say, Mark, what's true 148 00:08:07.879 --> 00:08:08.519 in the box? 149 00:08:08.680 --> 00:08:10.839 Yeah, So give me an idea what's in say? 150 00:08:12.279 --> 00:08:12.720 Okay? 151 00:08:13.079 --> 00:08:13.199 Uh? 152 00:08:13.879 --> 00:08:16.959 I understand that the information being supplied in the Sabademan 153 00:08:17.120 --> 00:08:20.319 is being used and relied upon by her name and 154 00:08:20.360 --> 00:08:24.360 her attorney determining whether to accept payment within State Farm 155 00:08:24.839 --> 00:08:28.959 insurance policy coverage of twenty five thousand dollars in settlement 156 00:08:29.439 --> 00:08:33.519 of the claims injury relating to the accident. I understand 157 00:08:33.559 --> 00:08:37.559 that this decision was based on my representation and this 158 00:08:37.799 --> 00:08:41.320 is the only insurance available for this claim and all 159 00:08:41.399 --> 00:08:43.559 other representations here out. 160 00:08:43.799 --> 00:08:47.559 All of that seems true. Every bit of that seems true. 161 00:08:48.120 --> 00:08:49.279 Well, but. 162 00:08:52.480 --> 00:08:55.840 I've never seen a thing like this where where where 163 00:08:55.879 --> 00:08:58.120 I'm supposed to mark if it's true or not. 164 00:08:58.879 --> 00:09:02.559 Yeah, well, I understand exactly what they're asking you. They're saying, 165 00:09:02.600 --> 00:09:06.080 do you have any other insurance? What are your assets like? 166 00:09:06.159 --> 00:09:09.879 Hat of curiosity. I'm sure you didn't have any other insurance, 167 00:09:09.879 --> 00:09:12.279 but what are your assets like? So, in other words, 168 00:09:12.279 --> 00:09:13.279 do you own your house? 169 00:09:14.519 --> 00:09:18.080 Yeah, I'm eighty one years old, I'm retired, I'm social Security. 170 00:09:18.200 --> 00:09:18.399 Yeah. 171 00:09:18.399 --> 00:09:19.679 How much is your houseworth? 172 00:09:19.720 --> 00:09:19.840 Though? 173 00:09:22.519 --> 00:09:26.080 Except Biden, by today's standard, it's like eight hundred. 174 00:09:25.759 --> 00:09:27.360 Thousand and you got it paid off. 175 00:09:28.240 --> 00:09:29.919 Yeah, I've been here for fifty years. 176 00:09:30.120 --> 00:09:32.559 Yeah, Okay, listen, I want to do a couple things here. 177 00:09:33.000 --> 00:09:35.000 Let me put you on hold. I'm a little concerned, 178 00:09:35.360 --> 00:09:38.840 so I do want to get John Fuller on Kelly. 179 00:09:39.000 --> 00:09:43.120 I do Hey, Brian, I know you're holding and you've 180 00:09:43.159 --> 00:09:45.840 got a very limited time. I'm gonna have Kelly call 181 00:09:45.919 --> 00:09:47.559 you back. But really what I want to get is 182 00:09:47.600 --> 00:09:51.279 on John Fuller first, So hold on, Danny. We're going 183 00:09:51.360 --> 00:09:54.279 to get you some help in some advice. I'm a 184 00:09:54.279 --> 00:09:57.000 little nervous for you right now, I really am, But 185 00:09:57.080 --> 00:09:58.759 I want to get John Fuller's take on this. 186 00:09:58.840 --> 00:10:06.840 Hold on, go with a sure thing Denver's best roofer 187 00:10:06.960 --> 00:10:09.879 Excel Roofing dot com. You don't pay a cent until 188 00:10:09.919 --> 00:10:16.360 you're content. Time for an insurance check up free, no obligation. 189 00:10:16.399 --> 00:10:20.240 In comparison, call Compass Insurance paying too much your coverage 190 00:10:20.240 --> 00:10:22.960 at dozens of insurance companies find out now three oh 191 00:10:22.960 --> 00:10:24.120 three seven to seven to one. 192 00:10:24.240 --> 00:10:24.480 Help. 193 00:10:24.639 --> 00:10:27.279 You'll think you're his only customer when you choose Frank 194 00:10:27.360 --> 00:10:29.799 durand the real estate Man dot com to list your 195 00:10:29.840 --> 00:10:33.000 home with Remax Alliance three oh three nine two zero 196 00:10:33.080 --> 00:10:35.159 sixteen twenty two. 197 00:10:36.000 --> 00:10:38.960 Sorry, three oh three seven one three eight two five five. Look, 198 00:10:39.000 --> 00:10:41.480 I got John Fuller up. He's an expert and he's 199 00:10:41.519 --> 00:10:45.000 an attorney. But I need to use this as a 200 00:10:45.120 --> 00:10:48.360 learning lesson for everybody listening. Poor Danny, he's eighty one 201 00:10:48.480 --> 00:10:51.960 years old. He owns his house outright. It's worth maybe 202 00:10:52.000 --> 00:10:54.120 eight hundred thousand, and Danny, don't worry. No one knows 203 00:10:54.120 --> 00:10:56.679 your last name. But he actually ran a red light 204 00:10:57.519 --> 00:11:00.279 and someone hit him. But of course he's he He 205 00:11:00.399 --> 00:11:03.399 was the one that had caused the infraction, and the 206 00:11:03.440 --> 00:11:06.759 bottom line is the accident's his fault. The other insurance 207 00:11:06.799 --> 00:11:11.000 company is coming after him. His own insurance company, State Farm, 208 00:11:11.519 --> 00:11:14.440 is sending them multiple affidavits to sign. And we're going 209 00:11:14.519 --> 00:11:17.200 to ask John how normal that is. And his insurance 210 00:11:17.240 --> 00:11:20.840 company does have to provide a defense. But I want 211 00:11:20.879 --> 00:11:24.799 to tell people something. In this particular case, he has 212 00:11:24.840 --> 00:11:29.879 a minimal Having the minimal amount of insurance. Honestly, folks, 213 00:11:30.440 --> 00:11:33.960 is crazy. When you have assets that are sixteen times 214 00:11:34.000 --> 00:11:38.279 at sixteen times at think about that. There's people out 215 00:11:38.320 --> 00:11:41.240 there right now. You know how much your house has 216 00:11:41.279 --> 00:11:46.320 increased in value. Maybe you started buying insurance fifteen years ago. 217 00:11:46.399 --> 00:11:48.879 Now you're in your mid thirties or forties and you 218 00:11:48.960 --> 00:11:51.840 actually have assets in equity, but you still have that 219 00:11:51.919 --> 00:11:56.120 minimal amount of coverage. If I had three hundred thousand 220 00:11:56.120 --> 00:11:59.759 dollars in damages due to you, and you only had 221 00:11:59.759 --> 00:12:03.080 two twenty five thousand dollars of insurance, but I knew 222 00:12:03.120 --> 00:12:05.799 about your eight hundred thousand dollars home, what would I do? 223 00:12:06.679 --> 00:12:10.000 I would call up John Fuller or a personal injury attorney, 224 00:12:10.279 --> 00:12:12.799 and I would say, I don't want to twenty five thousand. 225 00:12:13.039 --> 00:12:15.639 That leaves me two hundred and seventy five thousand dollars 226 00:12:15.679 --> 00:12:18.759 in the hole. Help my car costs seventy five thousand 227 00:12:18.799 --> 00:12:22.240 dollars that the guy ruined. Think about that, Think about 228 00:12:22.279 --> 00:12:25.639 your assets and what insurance is there for. It's to 229 00:12:25.759 --> 00:12:30.399 protect you. It is to protect you. So John Fuller, Hey, John, 230 00:12:30.480 --> 00:12:33.159 this is a two part question to you. One, you 231 00:12:33.320 --> 00:12:36.279 just kind of heard everything I was telling everybody. I'd 232 00:12:36.320 --> 00:12:40.320 love your thoughts on that. But second of all, what 233 00:12:40.559 --> 00:12:44.720 is the limit if someone has just the bare minimum 234 00:12:44.759 --> 00:12:48.399 for liability insurance and there's a lot of damage done 235 00:12:48.399 --> 00:12:52.720 that they caused and their insurance company is getting sued 236 00:12:52.799 --> 00:12:55.240 or that you know, they have to represent that person 237 00:12:55.639 --> 00:12:59.200 in a lawsuit. Is there a maximum amount of money 238 00:12:59.200 --> 00:13:01.639 the policy would pay out to the lawyer? Does that 239 00:13:01.679 --> 00:13:03.639 make sense? Or do they have to put on a 240 00:13:03.679 --> 00:13:05.720 defense at any cost? 241 00:13:07.120 --> 00:13:12.279 Well, first and foremost, I mean to your specific question. 242 00:13:13.320 --> 00:13:17.720 If State Farm is defending this matter, the lawyer that's 243 00:13:17.799 --> 00:13:22.480 defending it is a State Farm employee, got it. They're 244 00:13:22.559 --> 00:13:27.320 not going out and hiring an outside attorney. In ninety 245 00:13:27.399 --> 00:13:31.000 nine percent of the cases, they're sending the file down 246 00:13:31.080 --> 00:13:34.240 the hall to one of their staff attorneys, who you know, 247 00:13:34.399 --> 00:13:37.639 is kind of a pseudo employee. They'll technically be the 248 00:13:37.679 --> 00:13:41.480 employee of you know, Bob Jones Law office or something, 249 00:13:41.559 --> 00:13:44.720 but Bob's an employee and has an office down the 250 00:13:44.720 --> 00:13:48.120 hall in the State Farm building. So they're really they're really, 251 00:13:48.200 --> 00:13:51.879 really a State Farm employee and that's their job is 252 00:13:51.919 --> 00:13:54.960 to defend this gentleman under the policy. 253 00:13:55.080 --> 00:13:57.639 But do they have to defend them? Okay? Here, I 254 00:13:57.639 --> 00:14:00.080 guess here's the exact question. Then I didn't phrase it 255 00:14:00.120 --> 00:14:00.440 right to you. 256 00:14:00.879 --> 00:14:01.919 I think I know where you're going. 257 00:14:02.080 --> 00:14:04.679 Can they say we're going to give them case. We're 258 00:14:04.679 --> 00:14:07.039 going to give them twenty five thousand dollars, which is 259 00:14:07.120 --> 00:14:09.960 exactly the coverage you have, and then we're done with it. 260 00:14:10.120 --> 00:14:12.399 Or do they have to give them the twenty five 261 00:14:12.759 --> 00:14:16.279 and defend and defend them if they decide to go 262 00:14:16.320 --> 00:14:20.240 after other assets and there is more damage. 263 00:14:20.960 --> 00:14:24.360 Okay, So that's a multi part question, And the bottom 264 00:14:24.440 --> 00:14:27.039 line is this The only way the insurance company is 265 00:14:27.080 --> 00:14:32.080 going to pay anything anything is in exchange for a 266 00:14:32.240 --> 00:14:37.799 complete release of all liability or a jury verdict that 267 00:14:37.960 --> 00:14:41.639 exceeds their policy limits amount. And if the jury verdict 268 00:14:41.679 --> 00:14:46.159 exceeds the policy limits amount in most cases, barring a 269 00:14:46.279 --> 00:14:50.120 bad base scenario to the whole separate topic, they're going 270 00:14:50.200 --> 00:14:52.440 to pay out their twenty five and be done with it. 271 00:14:52.480 --> 00:14:56.000 But that'll be at the end of the entire representation 272 00:14:56.279 --> 00:14:57.480 and going all the way through a. 273 00:14:57.480 --> 00:15:00.240 Trial, and then they can try to collect what's then 274 00:15:00.720 --> 00:15:02.720 the other company would try to collect. 275 00:15:02.759 --> 00:15:05.720 They can go they can go after or this plaintiff 276 00:15:05.799 --> 00:15:09.720 can go after the collection of the balance of their damages. 277 00:15:09.840 --> 00:15:11.399 Okay, judge, but let me tell you. 278 00:15:11.320 --> 00:15:16.240 What's really going on here. Okay, here's the scoop. This 279 00:15:16.320 --> 00:15:21.000 guy hurts somebody, and everybody's trying to figure out what 280 00:15:21.120 --> 00:15:24.159 his ill is. They find it pretty hard to believe 281 00:15:24.200 --> 00:15:26.840 that this guy with the free and clear house has 282 00:15:27.159 --> 00:15:31.039 the state minimum of insurance, which is the cheapest level 283 00:15:31.080 --> 00:15:34.440 you can carry high logs, and they're trying to figure 284 00:15:34.480 --> 00:15:38.360 out and probably it's his uninsured motorist carrier, meaning the 285 00:15:38.440 --> 00:15:42.279 carrier for the injured party, who is looking at being 286 00:15:42.399 --> 00:15:46.279 held responsible for some of the damages because they exceed 287 00:15:46.279 --> 00:15:49.519 the twenty five thousand. They're trying to make a decision 288 00:15:49.559 --> 00:15:52.919 as to whether they'll grant permission for them to accept 289 00:15:52.960 --> 00:15:55.080 the twenty five and let the guy off the hook. 290 00:15:55.559 --> 00:15:58.559 So what does that mean. It means that if you 291 00:15:58.720 --> 00:16:03.480 have assets and you voluntarily choose to under insure yourself, 292 00:16:04.240 --> 00:16:07.840 a subsequent insurance company may say, no, we're not going 293 00:16:07.919 --> 00:16:11.200 to give permission and we'll go directly after this guy 294 00:16:11.279 --> 00:16:14.559 for the full amount of your damages because we believe 295 00:16:14.679 --> 00:16:20.679 that he was voluntarily underinsured relative to his financial. 296 00:16:20.240 --> 00:16:22.639 Where I get it, World, I get it, John, Let 297 00:16:22.679 --> 00:16:24.320 me do this. I'm going to bring him up. His 298 00:16:24.399 --> 00:16:28.480 name is Danny, and he called up because State Farm 299 00:16:29.240 --> 00:16:33.360 sent him this information from the other person. What read 300 00:16:33.399 --> 00:16:34.960 that affidavit again, Danny? 301 00:16:36.519 --> 00:16:40.559 Well there, it's it's quite long. But the the partment 302 00:16:41.600 --> 00:16:44.000 where they the financial I mean they go on and 303 00:16:44.039 --> 00:16:46.080 on and on on financially. 304 00:16:46.080 --> 00:16:49.639 They want everything there is. It's basically hold on, hold on, John, 305 00:16:49.720 --> 00:16:53.080 Is it basically interrogatories? And does he have to fill 306 00:16:53.120 --> 00:16:53.480 this out? 307 00:16:53.480 --> 00:16:56.919 Interrogatory? It's not in litigation. He can choose to throw 308 00:16:56.960 --> 00:16:59.279 it out or or he doesn't. It's up to him. 309 00:16:59.679 --> 00:17:02.000 But and here's what's going on. They're trying to decide 310 00:17:02.000 --> 00:17:04.839 whether or not to take his crappy twenty five and 311 00:17:04.880 --> 00:17:07.240 he needs to fill that out. One of the conditions 312 00:17:07.279 --> 00:17:10.799 that the planet's attorney on the other side is imposing 313 00:17:11.039 --> 00:17:14.400 is I'll only agree to accept the twenty five if 314 00:17:14.440 --> 00:17:17.480 the guy doesn't have any other assets or any other 315 00:17:17.640 --> 00:17:22.519 policies that might be available, such as maybe an undisclosed 316 00:17:22.640 --> 00:17:25.799 umbrella policy or something, so the guy can fill it 317 00:17:25.839 --> 00:17:29.799 out and maybe they'll conclude that there's nothing else worth 318 00:17:29.880 --> 00:17:33.200 going after, or he can choose not to and then 319 00:17:33.240 --> 00:17:34.960 the next thing will be a knock on the door 320 00:17:35.200 --> 00:17:37.880 and he'll be getting sued and he can disclose all 321 00:17:37.920 --> 00:17:40.920 that information down the road when they get a big judgment. 322 00:17:40.880 --> 00:17:45.400 Well, here's his direct question. Should he fill it out 323 00:17:45.440 --> 00:17:47.039 now or not? Or should he wait? I mean, it 324 00:17:47.079 --> 00:17:49.480 seems to me it really doesn't matter because ultimately it's 325 00:17:49.519 --> 00:17:50.079 going to happen. 326 00:17:52.039 --> 00:17:56.000 Well, I know when I send out those affidavits on 327 00:17:56.079 --> 00:17:59.759 behalf of my clients, it's normally because I'm either trying 328 00:17:59.759 --> 00:18:02.440 to make sure there's no other coverage so that I 329 00:18:02.480 --> 00:18:06.200 can then move along to the uninsured motorist policy and 330 00:18:06.279 --> 00:18:08.759 go after more money than I know I can collect. 331 00:18:09.359 --> 00:18:12.599 And if the person ever refused to fill it out, 332 00:18:13.000 --> 00:18:16.119 that would just tell me they've got assets somewhere, and 333 00:18:16.599 --> 00:18:19.680 I would immediately follow a lawsuit, so you can let 334 00:18:19.720 --> 00:18:22.200 that guide your caller on whether or not to fill 335 00:18:22.240 --> 00:18:25.880 it out. It's probably somebody trying to decide, I guess, 336 00:18:25.960 --> 00:18:29.079 whether or not they should accept the twenty. 337 00:18:28.759 --> 00:18:31.640 Five and that could very well be a bad person's 338 00:18:31.680 --> 00:18:34.400 insurance because they have underinsured coverage. 339 00:18:34.640 --> 00:18:37.200 Yeah, that's exactly right. And let me just throw this 340 00:18:37.240 --> 00:18:39.640 one little kicker on there. I'm not giving this guy 341 00:18:39.799 --> 00:18:40.880 legal advice at all. 342 00:18:41.079 --> 00:18:42.440 Yeah, but I'll tell you. 343 00:18:42.359 --> 00:18:45.119 Who will give him legal advice. And if he really 344 00:18:45.160 --> 00:18:48.680 insisted upon it, State Farm would probably let him talk 345 00:18:48.720 --> 00:18:51.839 to one of the State Farm attorneys to advise him 346 00:18:51.920 --> 00:18:54.680 on what his options are relative to that appidation. 347 00:18:54.720 --> 00:18:58.279 Well, hold on, hey, Danny, state Farm, who actually sent 348 00:18:58.319 --> 00:19:01.960 you this stuff? Your insurance company, right yours? 349 00:19:02.119 --> 00:19:03.559 Yeah, he was a State Farm. 350 00:19:04.039 --> 00:19:07.000 Yeah, but he's here. So but they came from it's 351 00:19:07.079 --> 00:19:09.039 the game from the other side. It came from the 352 00:19:09.079 --> 00:19:11.880 other side. So what John just said is if you 353 00:19:11.920 --> 00:19:14.640 call up your adjuster, say hey, I want to talk 354 00:19:14.680 --> 00:19:17.920 to one of your attorneys on that, they most likely will. John, 355 00:19:18.000 --> 00:19:20.519 I want to bring this one step further. And Danny, 356 00:19:21.160 --> 00:19:23.240 I'm not sure the answer to this, but your whole 357 00:19:23.279 --> 00:19:27.400 situation makes me really nervous because of your assets. But 358 00:19:27.519 --> 00:19:30.039 you did do something wrong. I get it. But here, John, 359 00:19:30.400 --> 00:19:32.799 if he does get sued, let's say there is a 360 00:19:32.880 --> 00:19:36.279 judgment for eight hundred thousand or whatever it is, what 361 00:19:36.359 --> 00:19:40.640 happens if he wants different representation than State Farm. I mean, 362 00:19:40.680 --> 00:19:43.559 he might want to bring on somebody else because State 363 00:19:43.640 --> 00:19:47.119 Farm realizes they only have to pay up twenty five thousand. 364 00:19:47.400 --> 00:19:50.400 He might want to hire someone a lot better than 365 00:19:50.400 --> 00:19:52.039 someone working in a cubicle. 366 00:19:53.240 --> 00:19:56.359 Yeah, that's that's you know. I would defer you to 367 00:19:56.400 --> 00:19:59.279 his policy, which gives them the right to defend and 368 00:19:59.400 --> 00:20:03.400 the right to about how to handle the claim. And 369 00:20:04.000 --> 00:20:08.480 certainly he's entitled to his own counsel, and that council 370 00:20:08.279 --> 00:20:13.480 would be you in charge of communicating and protecting his 371 00:20:13.759 --> 00:20:17.079 personal interest in this, which is somewhat different than the 372 00:20:17.119 --> 00:20:20.400 State Farm interest, which is exactly what you're saying. And 373 00:20:20.440 --> 00:20:23.240 that comes up a lot mark when we had situations 374 00:20:23.279 --> 00:20:26.839 where the plantiff may have said, we'll take policy limits 375 00:20:26.880 --> 00:20:29.359 if you pone him up right now, and if the 376 00:20:29.359 --> 00:20:33.039 insurance company puts their interest ahead of their insured and 377 00:20:33.079 --> 00:20:36.640 refuses to pay those limits, then we believe that there's 378 00:20:36.680 --> 00:20:39.759 a conflict between the interests of the insured and the 379 00:20:39.799 --> 00:20:44.680 insurance company, and that almost requires independent counsel to keep 380 00:20:44.720 --> 00:20:47.640 the insurance company honest and to move forward, because in 381 00:20:47.640 --> 00:20:50.960 that situation, the insurance company could be held liable for 382 00:20:51.000 --> 00:20:52.359 that whole eight hundred thousand. 383 00:20:52.599 --> 00:20:57.039 Hey, Danny, what kind of damage? Was an ambulance showed 384 00:20:57.119 --> 00:20:59.759 up or anything like that? What happened? What kind of damage? 385 00:20:59.880 --> 00:21:02.920 I assume. I don't care, no offense to you. I 386 00:21:02.920 --> 00:21:05.079 don't care about you. I'm talking to the other people. 387 00:21:05.799 --> 00:21:08.200 Did there is your entire car look like it's gone 388 00:21:08.279 --> 00:21:11.480 or truck? Did they have injuries? Did an ambulance show up? 389 00:21:12.839 --> 00:21:13.519 I don't. 390 00:21:13.599 --> 00:21:17.599 I don't know. This sounds weird, but but I got 391 00:21:17.680 --> 00:21:20.720 knocked out and I drove my car to get out 392 00:21:20.720 --> 00:21:25.039 of the intersection, and I sat there and I never 393 00:21:25.079 --> 00:21:28.079 could see the accident sight. So I didn't know anything 394 00:21:28.680 --> 00:21:31.039 until I got that. I got this loss or got 395 00:21:31.039 --> 00:21:33.319 this message from my thing. I don't know if the 396 00:21:33.359 --> 00:21:37.799 amorys showed up or whatever. There was basically nothing done 397 00:21:37.799 --> 00:21:39.200 to me. I had a little bruise out there. 398 00:21:39.240 --> 00:21:42.240 Danny, you've got to call You've got you've got to 399 00:21:42.279 --> 00:21:45.279 call State Farm and asked to talk to one of 400 00:21:45.319 --> 00:21:48.079 the attorneys. Tell them you guys sent me this stuff. 401 00:21:48.200 --> 00:21:50.559 I need advice from you. You guys are supposed to 402 00:21:50.599 --> 00:21:53.759 represent me. What is going on with this? Should I 403 00:21:53.839 --> 00:21:56.160 fill them out? Should I not fill them out? What 404 00:21:56.240 --> 00:21:59.519 I'm worried about is if they if they see or 405 00:21:59.599 --> 00:22:03.000 smell blood, that they're going to try to get everything 406 00:22:03.079 --> 00:22:05.960 they can. And and I don't want to beat you up. 407 00:22:06.000 --> 00:22:09.119 This is really for other people listening. If you have 408 00:22:09.359 --> 00:22:13.160 eight hundred thousand dollars plus or a million dollars in assets, 409 00:22:13.440 --> 00:22:17.079 or four hundred thousand dollars in assets, don't have twenty 410 00:22:17.079 --> 00:22:21.160 five thousand dollars in liability insurance, you can get wiped out. 411 00:22:23.559 --> 00:22:24.319 That's good advice. 412 00:22:25.519 --> 00:22:26.519 I understand advice. 413 00:22:26.839 --> 00:22:28.519 I know it's a little too late now for that, 414 00:22:28.599 --> 00:22:30.680 but Danny, do me a favor. I want Kelly to 415 00:22:30.720 --> 00:22:33.559 get all your info, and I want to follow this 416 00:22:33.680 --> 00:22:36.240 with you and if you have more questions. But I'd 417 00:22:36.279 --> 00:22:38.880 love to know what State Farm ultimately tells you when 418 00:22:38.880 --> 00:22:41.160 you call them, So call them today. I'd love to 419 00:22:41.200 --> 00:22:44.359 hear back from you today and hear what their attorney said, 420 00:22:44.480 --> 00:22:46.960 or if they refuse to let you talk to one 421 00:22:46.960 --> 00:22:49.920 of their attorneys for advice. Then what would you do, John, 422 00:22:49.960 --> 00:22:50.400 real quick? 423 00:22:50.519 --> 00:22:53.200 Well, then then I would get a private attorney to 424 00:22:53.279 --> 00:22:56.720 advise me and to potentially communicate with state barm YEP 425 00:22:56.839 --> 00:22:59.359 about their their handling of this. Yes, I would it 426 00:22:59.400 --> 00:23:02.359 would be well or the a couple hours of whatever 427 00:23:02.400 --> 00:23:04.000 an attorney would cost you to do that. 428 00:23:04.160 --> 00:23:07.759 And ultimately that is a personal injury attorney just acting 429 00:23:07.799 --> 00:23:08.640 on the other side. 430 00:23:09.079 --> 00:23:10.839 That's that's right, that's right. 431 00:23:11.200 --> 00:23:14.039 Go ahead, Danny, go ahead. That's what I want. That's 432 00:23:14.079 --> 00:23:16.480 what I want. I want an an attorney that I 433 00:23:16.480 --> 00:23:20.599 can have a consultation with. And uh, I called John 434 00:23:20.680 --> 00:23:24.839 Fuller and your screeners said you wouldn't do that because 435 00:23:25.559 --> 00:23:29.920 you would be on the other side. So uh, injured parties. 436 00:23:30.000 --> 00:23:32.839 So that's that's really a but here's a crazy thing 437 00:23:32.880 --> 00:23:36.480 about it. Okay, and and and you know I didn't 438 00:23:36.480 --> 00:23:39.039 take your call, but that's exactly what I would have 439 00:23:39.039 --> 00:23:41.039 told you as well. That we you know, we represent. 440 00:23:42.160 --> 00:23:43.119 I'm not going to represent. 441 00:23:43.200 --> 00:23:46.400 This is so so. But here's the thing when it 442 00:23:46.480 --> 00:23:50.480 comes up that we have that we have situations where 443 00:23:50.519 --> 00:23:53.960 an insurance company may be refusing the tender limits or 444 00:23:53.960 --> 00:23:56.680 we get in one of these situations we often work 445 00:23:56.759 --> 00:24:00.799 with another plaintiffs attorney that we hand so leg so 446 00:24:00.920 --> 00:24:04.839 listen carefully to what I'm saying. The plaintiff's attorney will 447 00:24:04.839 --> 00:24:09.720 often hand select the attorney that's going to individually advise 448 00:24:09.839 --> 00:24:15.160 the defendant on his communication and his decisions relative to 449 00:24:15.200 --> 00:24:18.359 his own insurance company. So what I might suggest to 450 00:24:18.400 --> 00:24:22.039 you is again, talk to your adjuster and if you 451 00:24:22.119 --> 00:24:25.359 express some you know, if you ask the hard questions here, 452 00:24:25.400 --> 00:24:28.960 what's going on? Is this you know APPIDVID being tendered 453 00:24:29.319 --> 00:24:33.079 to me in response to a policy limits demand? Or 454 00:24:33.119 --> 00:24:35.240 really what is going on? And if they can't give 455 00:24:35.279 --> 00:24:38.079 you good answers and they won't let you, you know, 456 00:24:38.960 --> 00:24:41.519 talk to one of their staff counsel, which is they 457 00:24:41.559 --> 00:24:42.920 will they just simply will. 458 00:24:43.000 --> 00:24:43.640 But if they don't. 459 00:24:44.680 --> 00:24:48.559 But if they don't, then then you know, I'll try 460 00:24:48.559 --> 00:24:52.559 to find you somebody to talk to. It's it's not me, 461 00:24:52.680 --> 00:24:56.640 and it wouldn't be hugely beneficial to have somebody just 462 00:24:56.720 --> 00:24:59.160 out of the blue. You'd want to have somebody that 463 00:24:59.279 --> 00:25:02.680 has some you know, connection to the case and stuff. 464 00:25:02.720 --> 00:25:04.200 And I don't want you to tell me who the 465 00:25:04.240 --> 00:25:05.359 planet's attorney is. 466 00:25:05.400 --> 00:25:06.079 Or yeah, I got you. 467 00:25:06.200 --> 00:25:07.759 I like that. On the on the air. 468 00:25:07.880 --> 00:25:09.599 So all right, I got to come up on this 469 00:25:09.720 --> 00:25:12.480 hard breakdown. You know how that goes. Danny Kelly's gonna 470 00:25:12.480 --> 00:25:14.960 get all your information. Call State Farm as soon as 471 00:25:14.960 --> 00:25:17.359 you hang up. Ask to talk to their in house 472 00:25:17.400 --> 00:25:20.319 counsel about this and ask them should I sign this? 473 00:25:20.599 --> 00:25:23.119 Why are they doing it? Are you? Guys? Just just 474 00:25:23.240 --> 00:25:25.960 ask them all the questions seriously, and if they don't 475 00:25:25.960 --> 00:25:29.359 have answers for you, then we'll help you get an 476 00:25:29.400 --> 00:25:32.920 attorney that can make them get answers for you. Okay, listen, 477 00:25:32.960 --> 00:25:37.160 Bill in Evan, you guys, hold on, we'll be back 478 00:25:37.400 --> 00:25:38.119 right after this. 479 00:25:42.720 --> 00:25:45.960 Go with a sure thing Denver's Best roofer Excel Roofing 480 00:25:46.079 --> 00:25:46.680 dot com. 481 00:25:46.720 --> 00:25:48.720 You don't pay a cent until you're content. 482 00:25:52.119 --> 00:25:55.279 Time for an insurance check up, free, no obligation comparison 483 00:25:55.440 --> 00:25:59.000 call Compass Insurance. Pay too much your coverage at dozens 484 00:25:59.000 --> 00:26:01.720 of insurance companies find out now three all three seven 485 00:26:01.759 --> 00:26:02.319 to seven to one. 486 00:26:02.400 --> 00:26:02.680 Help. 487 00:26:02.839 --> 00:26:05.480 You'll think you're his only customer when you choose Frank 488 00:26:05.559 --> 00:26:08.000 durand the real estate Man dot com to list your 489 00:26:08.039 --> 00:26:11.200 home with Remax Alliance three all three nine two zero 490 00:26:11.279 --> 00:26:14.759 sixteen twenty two. 491 00:26:15.400 --> 00:26:18.279 All right, Bill's got a quick comment on that. I'm 492 00:26:18.279 --> 00:26:20.039 going to go to that really fast. By the way, 493 00:26:20.079 --> 00:26:23.440 this hour brought to you by waterpros dot net, the 494 00:26:23.480 --> 00:26:26.359 best for less. Paul the Waterman. He's the man you know. 495 00:26:26.440 --> 00:26:28.759 He came out and gave us a bit on a 496 00:26:28.759 --> 00:26:30.759 water softener. I think it was about a year ago, 497 00:26:30.839 --> 00:26:32.519 might be a year and a half ago. We got 498 00:26:32.599 --> 00:26:35.519 three other bids. He was half the price, half the price. 499 00:26:35.559 --> 00:26:39.480 The system has been flawless. We absolutely love it. It 500 00:26:39.519 --> 00:26:41.440 came in at about I think we spend thirty five 501 00:26:41.480 --> 00:26:44.079 hundred bucks on it. Everybody else who is anywhere from 502 00:26:44.079 --> 00:26:46.839 eight thousan to twelve thousand. He's got a system right 503 00:26:46.880 --> 00:26:50.720 now that's absolutely unbelievable. Not only is it a water softener, 504 00:26:51.039 --> 00:26:53.279 but it gets rid of all the forever chemicals in 505 00:26:53.359 --> 00:26:55.720 the entire house. And he's going to throw in a 506 00:26:55.759 --> 00:26:59.759 point of use at the kitchen sink or reverse osmosis system, 507 00:27:00.319 --> 00:27:06.440 all for under four thousand dollars. Waterpros dot net. Give 508 00:27:06.480 --> 00:27:09.799 him a call. It's a great deal. Waterpros dot Net. 509 00:27:09.880 --> 00:27:13.519 Now I'm going to go to this comment and I 510 00:27:13.559 --> 00:27:15.240 don't want to beat a dead horse, but it's one 511 00:27:15.279 --> 00:27:17.200 of the most important things in the world to have 512 00:27:17.240 --> 00:27:19.759 the right coverage. But Bill, what's your comment on the 513 00:27:19.839 --> 00:27:20.839 Danny issue? 514 00:27:21.119 --> 00:27:23.400 Yeah, my comment, I've been a real estate broker thirty 515 00:27:23.480 --> 00:27:27.039 five years. My grandfather was an attorney. He had a 516 00:27:27.079 --> 00:27:30.519 client that was wiped out financially because he had a 517 00:27:30.519 --> 00:27:33.519 lot of assets. He was sued and so he went out. 518 00:27:33.559 --> 00:27:35.400 That's what he did as he started calling up all 519 00:27:35.400 --> 00:27:40.200 these clients started setting up irrevocable trusts, which my understanding 520 00:27:40.359 --> 00:27:43.440 was it hit their assets with respect to the person 521 00:27:43.480 --> 00:27:46.160 that owned them, did not own them, to trust owned them, 522 00:27:46.680 --> 00:27:49.119 and therefore it would shelter them from that type of stuff. 523 00:27:49.160 --> 00:27:51.920 And so that's just what I mean. My goodness, And 524 00:27:52.000 --> 00:27:54.839 as you get older, you're more pro to stuff and 525 00:27:56.359 --> 00:27:58.319 they just start throwing it at you, and then all 526 00:27:58.359 --> 00:28:01.119 of a sudden, you know, you're defending yourself. You're paying 527 00:28:01.119 --> 00:28:03.279 a lot of money to do that, a lot of energy, 528 00:28:03.440 --> 00:28:06.119 Oh goodness, and the stuff can be gone. So that's 529 00:28:06.160 --> 00:28:08.559 just my comment. I don't know if this guy's looked 530 00:28:08.599 --> 00:28:10.279 into that. I don't know what kind of help that 531 00:28:10.319 --> 00:28:10.799 could have been. 532 00:28:10.920 --> 00:28:13.480 Well, it's too done, it's too late for him. There's 533 00:28:13.519 --> 00:28:16.000 a look back period on it. It's interesting you said 534 00:28:16.000 --> 00:28:18.319 that it is one of the way to shield your money. 535 00:28:18.640 --> 00:28:20.839 One of the problems with it is and that's not 536 00:28:20.880 --> 00:28:23.880 for everybody, but you know, whoever you leave it to, 537 00:28:24.519 --> 00:28:27.440 it's irrevocable. In other words, if you get mad at 538 00:28:27.440 --> 00:28:31.759 that child or spouse or something happens, it's done. It's 539 00:28:31.920 --> 00:28:34.160 locked in. I mean, you can't even touch it. 540 00:28:34.759 --> 00:28:37.519 Uh So I think you can be the executor too 541 00:28:38.079 --> 00:28:42.079 if it's If it's irrevocable, if you have access to it, 542 00:28:42.119 --> 00:28:43.519 then it's part of your asset. 543 00:28:43.839 --> 00:28:45.640 In other words, then you're not going to be able 544 00:28:45.680 --> 00:28:49.279 to hide it. If it's in someone else's name, say. 545 00:28:49.039 --> 00:28:55.240 That again, it's revocable, then if. 546 00:28:53.480 --> 00:28:56.079 It's revocable, they can go after that. I wouldn't even 547 00:28:56.119 --> 00:28:59.440 mind getting one of our experts on to talk about it. Mackenzie, 548 00:28:59.440 --> 00:29:03.759 that's an interesting question. There definitely is ways. In fact, 549 00:29:03.880 --> 00:29:06.599 keep listening, Bill, I'm going to get him on, and 550 00:29:06.640 --> 00:29:08.279 I know there's ways to do it. But I know 551 00:29:08.359 --> 00:29:10.799 there's a look back period, and I'm pretty sure it 552 00:29:10.839 --> 00:29:14.240 has to be irrevocable in order for no one to 553 00:29:14.279 --> 00:29:17.160 go after it because it's no longer years. If it's 554 00:29:17.160 --> 00:29:20.160 still yours, it's not going to be an irrevocable trust 555 00:29:20.160 --> 00:29:22.960 because it's yours. But I will get on Dan McKenzie 556 00:29:23.440 --> 00:29:26.119 because that's interesting. But the other thing about this is 557 00:29:27.119 --> 00:29:30.160 it's so and Bill or I'm sorry, Evan, I'll go 558 00:29:30.160 --> 00:29:32.400 to you in a second. But it is so important. 559 00:29:32.400 --> 00:29:34.039 And once again I don't want to beat a dead 560 00:29:34.039 --> 00:29:37.519 horse on this deal. But if you have assets, people 561 00:29:37.599 --> 00:29:40.599 will come after them. That's why you should have insurance 562 00:29:40.680 --> 00:29:43.960 up to your assets, or up to a reasonable amount 563 00:29:44.000 --> 00:29:46.319 of them. Think about the average price of a car 564 00:29:46.400 --> 00:29:48.799 right now. You can't buy a new car for fifteen 565 00:29:48.839 --> 00:29:52.559 thousand dollars. You know how many people in Colorado have 566 00:29:52.759 --> 00:29:57.759 this twenty five thousand dollars for bodily injury okay, liability, 567 00:29:58.000 --> 00:30:01.279 and fifteen thousand dollars for prop py damage. So you 568 00:30:01.400 --> 00:30:05.200 run into somebody with a newer Mercedes, the hell you 569 00:30:05.279 --> 00:30:08.119 run into anybody with a newer Ford Tourists if they 570 00:30:08.160 --> 00:30:10.839 still make them. You could run into anybody with a 571 00:30:10.880 --> 00:30:13.720 new car and you're not even going to be able 572 00:30:13.720 --> 00:30:16.559 to have the coverage to pay for their car. If 573 00:30:16.599 --> 00:30:19.440 you ran into you know, docs car, you might have 574 00:30:19.720 --> 00:30:23.240 a forty thousand dollars bill and only fifteen thousand dollars 575 00:30:23.319 --> 00:30:26.440 in coverage, and then if he's injured in it. If 576 00:30:26.480 --> 00:30:30.599 DOC gets injured twenty five thousand for bodily injury, my god, 577 00:30:30.720 --> 00:30:35.920 like a cat scan, an MRI, an ambulance, and an 578 00:30:35.960 --> 00:30:40.279 emergency room visit. You're at fifty thousand without even blinking. 579 00:30:40.079 --> 00:30:42.160 They've walked. Does an umbrella cover this? 580 00:30:42.559 --> 00:30:45.799 Yeah, that's what I'm saying. That's why how it's important 581 00:30:46.160 --> 00:30:49.519 to have the right coverage. I swear to god, people 582 00:30:49.920 --> 00:30:52.119 look into it. If you have the asset stock with 583 00:30:52.200 --> 00:30:55.200 an umbrella. Though, umbrellas you can't just go out and 584 00:30:55.240 --> 00:30:59.480 buy when you have the state minimal. An umbrella is 585 00:30:59.559 --> 00:31:02.480 two fit fifty to five hundred, so you have to 586 00:31:02.519 --> 00:31:06.599 have two hundred and fifty thousand in liability insurance per 587 00:31:06.680 --> 00:31:11.799 person five hundred thousand per accident. Then you can get 588 00:31:11.799 --> 00:31:14.160 an umbrella that would kick in if it goes over that. 589 00:31:14.400 --> 00:31:16.440 But if you have state minimum, no one would give 590 00:31:16.480 --> 00:31:17.079 you an umbrella. 591 00:31:17.559 --> 00:31:19.640 I didn't realize that because the gap. 592 00:31:19.400 --> 00:31:22.839 Coverage would be massive. Most you couldn't afford. The person 593 00:31:22.880 --> 00:31:26.279 couldn't afford the gap coverage, got it. It would be 594 00:31:26.359 --> 00:31:29.240 crazy And then folks the other one really quick, and 595 00:31:29.519 --> 00:31:31.799 I just want to harp on this. The other one 596 00:31:31.880 --> 00:31:36.839 people never seem to get is under insured, okay, underinsured 597 00:31:36.880 --> 00:31:41.039 coverage for yourself or no insurance coverage for yourself. So 598 00:31:41.160 --> 00:31:44.599 someone hits you, they only have twenty five thousand, or 599 00:31:44.640 --> 00:31:48.480 they have no insurance whatsoever. That coverage is for you. 600 00:31:49.039 --> 00:31:52.400 That's for you. You'll go out and cover liability for 601 00:31:52.519 --> 00:31:56.519 other people. Start thinking about yourself, thinking of some kid 602 00:31:56.680 --> 00:31:59.920 t bones you and you can't walk again, and he's 603 00:32:00.119 --> 00:32:03.279 out minimal insurance. My god, you're gonna end up with 604 00:32:03.319 --> 00:32:06.160 twenty five thousand dollars and you can't walk for the 605 00:32:06.200 --> 00:32:08.559 rest of your life. Or you've got a traumatic brain 606 00:32:08.640 --> 00:32:12.200 injury or something happened and you only get twenty five 607 00:32:12.240 --> 00:32:16.720 thousand dollars. You buy that coverage for yourself. That way, 608 00:32:16.799 --> 00:32:20.599 your own insurance kicks in to cover the difference between 609 00:32:20.680 --> 00:32:24.680 what that person at fault ad and five hundred thousand 610 00:32:24.880 --> 00:32:28.039 or a million or two million or whatever your coverage is, 611 00:32:28.279 --> 00:32:30.640 so you actually have money to live on when your 612 00:32:30.680 --> 00:32:34.519 life changes. Don't just think of the liability part. You 613 00:32:34.640 --> 00:32:37.279 want to cover for that so people don't take your house. 614 00:32:37.519 --> 00:32:41.680 But you also want to be insured if someone creates 615 00:32:41.880 --> 00:32:44.279 chaos in your life and you can't work for a 616 00:32:44.279 --> 00:32:50.200 while because most people in Colorado have minimal coverage, or honestly, 617 00:32:50.240 --> 00:32:53.680 there's a lot of people in Colorado with zero insurance. Hey, 618 00:32:53.839 --> 00:32:56.559 really quick, Evan, you're going to be next. But what 619 00:32:56.799 --> 00:32:58.920 is the issue? So I can think about it during 620 00:32:58.960 --> 00:33:00.079 the break? 621 00:33:02.400 --> 00:33:04.079 I don't even know if I need a lawyer. I 622 00:33:04.119 --> 00:33:04.680 just need help. 623 00:33:04.920 --> 00:33:05.799 I just need told it. 624 00:33:05.799 --> 00:33:08.160 If I need a lawyer, All right, fair enough? Hold tight? 625 00:33:08.279 --> 00:33:10.279 Is it got to do with a car accident or what? 626 00:33:11.880 --> 00:33:16.720 No, like we just bought a truck, got it? Oh? 627 00:33:17.039 --> 00:33:17.279 Yeah? 628 00:33:17.640 --> 00:33:20.079 Is it a piece of crap? Did you buy a. 629 00:33:20.039 --> 00:33:21.400 Piece of crap? 630 00:33:21.599 --> 00:33:24.680 All right? Hold on? Hold on three oh three seven one, 631 00:33:24.720 --> 00:33:26.720 three eight, two five five. We're gonna have three lines 632 00:33:26.799 --> 00:33:30.599 open three zero three Martino, give me a call. 633 00:33:34.359 --> 00:33:37.599 Go with a sure thing Denver's best roofer Excel Roofing 634 00:33:37.720 --> 00:33:40.359 dot com. You don't pay a cent until you're content. 635 00:33:43.720 --> 00:33:46.920 Time for an insurance check up, free, no obligation. In comparison, 636 00:33:47.039 --> 00:33:50.559 call Compass Insurance paying too much your coverage at dozens 637 00:33:50.599 --> 00:33:53.359 of insurance companies. Find out now three oh three seven 638 00:33:53.440 --> 00:33:53.920 seven to one. 639 00:33:54.039 --> 00:33:54.319 Help. 640 00:33:54.480 --> 00:33:57.079 You'll think you're his only customer when you choose Frank 641 00:33:57.160 --> 00:33:59.599 durand the real estate man dot com to list your 642 00:33:59.640 --> 00:34:02.759 home with Remax Alliance three all three nine two zero 643 00:34:02.920 --> 00:34:05.880 sixteen twenty two all. 644 00:34:05.839 --> 00:34:10.320 Right, three oh three seven one three eight two five five. 645 00:34:10.360 --> 00:34:12.840 A lot of comments on that insurance. Will probably touch 646 00:34:12.840 --> 00:34:14.760 base on that a little throughout this show. It's so 647 00:34:14.800 --> 00:34:17.239 important and I hope that guy doesn't lose his house. 648 00:34:17.280 --> 00:34:19.880 But I need to go back to Evan. Hey, Evan, 649 00:34:19.920 --> 00:34:22.440 where'd you buy this truck? Was it from an individual 650 00:34:22.599 --> 00:34:23.599 or a dealership? 651 00:34:25.199 --> 00:34:27.599 I'm from, like a used car dealership? 652 00:34:27.679 --> 00:34:30.599 And what kind of vehicle is it? 653 00:34:30.599 --> 00:34:33.000 It's it's Chevy twenty seventeen. 654 00:34:33.639 --> 00:34:37.719 He's fifteen hundred, so it's a pick up, a fifteen 655 00:34:37.800 --> 00:34:40.239 hundred And I'm sorry, a Chevy fifteen hundred? Right? 656 00:34:41.559 --> 00:34:41.800 Yeah? 657 00:34:42.320 --> 00:34:45.760 And what's going on with it? Let's start there. When 658 00:34:45.800 --> 00:34:47.159 did you buy it? How long you goo? 659 00:34:48.599 --> 00:34:49.840 I bought it in October? 660 00:34:50.000 --> 00:34:55.320 Got it keep going? Real quick? And does it run 661 00:34:55.400 --> 00:34:55.800 right now? 662 00:34:58.320 --> 00:34:58.519 Oh? 663 00:34:58.559 --> 00:35:01.320 No, it's been in the shop the beginning of February. 664 00:35:01.639 --> 00:35:04.480 Oh my god? Does it have does does it? Did 665 00:35:04.519 --> 00:35:07.519 you buy it with a aftermarket warranty or a warranty? 666 00:35:07.599 --> 00:35:13.320 Real quick? A service plan? Okay, hold tight, hopefully we 667 00:35:13.320 --> 00:35:15.199 can help her out. I don't know what car dealer 668 00:35:15.239 --> 00:35:17.679 it is, but we're all gonna find out after the break. Tom, 669 00:35:17.719 --> 00:35:19.840 you hold on and Jeremy as well. 670 00:35:20.559 --> 00:35:23.840 Go with a sure thing Denver's Best roofer Excel Roofing 671 00:35:23.920 --> 00:35:24.519 dot com. 672 00:35:24.559 --> 00:35:26.960 You don't pay a cent until you're content. 673 00:35:28.199 --> 00:35:33.159 Lead time for an insurance checkup, free no obligation comparison 674 00:35:33.280 --> 00:35:36.840 call Compass Insurance paying too much your coverage at dozens 675 00:35:36.840 --> 00:35:39.599 of insurance companies find out now three O three seven 676 00:35:39.559 --> 00:35:41.920 to seven to one help. You'll think you're his only 677 00:35:42.039 --> 00:35:44.480 customer when you choose Frank durand the real estate Man 678 00:35:44.559 --> 00:35:48.000 dot com to list your home with Remax Alliance three 679 00:35:48.000 --> 00:35:56.159 oh three nine two zero sixteen twenty two. 680 00:35:57.960 --> 00:36:09.039 News as we can Shoot is gonna help coming. 681 00:36:10.400 --> 00:36:15.119 This is the Troubleshooter Show. No Tom Martinez. Welcome my 682 00:36:15.199 --> 00:36:17.679 friends to the only show this guy. We're here to 683 00:36:17.760 --> 00:36:18.280 help you out. 684 00:36:18.320 --> 00:36:22.199 We're here to solve your problems, answer your questions, take complaints. 685 00:36:22.239 --> 00:36:24.400 We have a list of experts at referral lists dot 686 00:36:24.440 --> 00:36:27.199 com that are always willing to hop in the weeds 687 00:36:27.239 --> 00:36:28.800 with us and try to figure out how to either 688 00:36:28.840 --> 00:36:32.199 get your money back or help you from losing money 689 00:36:32.199 --> 00:36:35.320 in the first place. We talked a little about insurance 690 00:36:35.400 --> 00:36:38.280 the first hour. We're gonna touch base on that as well. 691 00:36:38.320 --> 00:36:40.960 And someone actually called up and said, I wonder if 692 00:36:40.960 --> 00:36:44.360 the guy put everything in an irrevocable trust, if he'd 693 00:36:44.360 --> 00:36:47.239 be actually covered. So we're gonna reach out to Dan 694 00:36:47.360 --> 00:36:51.000 McKenzie later on and talk about hiding assets and that's 695 00:36:51.000 --> 00:36:55.480 not really hiding them, but protecting assets asset protection, and 696 00:36:55.599 --> 00:36:58.519 he specializes in that as well. So we're gonna have 697 00:36:58.559 --> 00:37:00.639 that coming up. But right now, Wow, I'm going to 698 00:37:00.719 --> 00:37:04.199 go back to Evan. She bought a two thousand, seventeen 699 00:37:04.880 --> 00:37:08.119 Chevy fifteen hundred, bought it in October. You know, we're 700 00:37:08.599 --> 00:37:11.360 in April now and that vehicle's in the shop. Hey, 701 00:37:11.400 --> 00:37:13.519 I Oh, by the way, I'm sorry. We do have 702 00:37:13.559 --> 00:37:16.519 some lines open. I'd love to hear from you. Any questions. 703 00:37:16.559 --> 00:37:19.400 Maybe uh, Tom was on hold with the scam but 704 00:37:19.440 --> 00:37:21.679 he had to drop off, but you name it. We 705 00:37:21.880 --> 00:37:24.400 want to help Deputy Docks ready to jump on something. 706 00:37:25.559 --> 00:37:28.559 Three oh three seven one three eight two five five 707 00:37:28.679 --> 00:37:31.199 three oh three seven one three eight two five five 708 00:37:31.239 --> 00:37:34.679 or three oh three Martino. So, so, Evan, you said 709 00:37:34.719 --> 00:37:37.679 that you bought it in October from a used car 710 00:37:37.800 --> 00:37:42.480 dealer and now it's in the shop. How many months 711 00:37:42.519 --> 00:37:44.440 of use, if any, did you get out of it? 712 00:37:46.280 --> 00:37:48.079 Okay, so don't like the map. 713 00:37:48.760 --> 00:37:50.840 I it's been in a shop four times. 714 00:37:50.960 --> 00:37:51.719 What is it in for? 715 00:37:54.199 --> 00:37:56.119 At first it was just like a little bus. 716 00:37:56.159 --> 00:37:58.360 Check engine light came on. A week later we had 717 00:37:58.360 --> 00:37:59.119 to take it back. 718 00:37:58.960 --> 00:38:00.519 And then it was in the shop for all of 719 00:38:00.559 --> 00:38:02.239 December for the lifters. 720 00:38:02.599 --> 00:38:05.679 Oh my god, they actually had to tear into the engine. 721 00:38:06.920 --> 00:38:07.119 Yeah. 722 00:38:07.159 --> 00:38:09.159 So now it needs a whole new engine because it 723 00:38:09.239 --> 00:38:11.719 has not been fixed yet because we've been fighting with 724 00:38:11.760 --> 00:38:13.159 the service contract company. 725 00:38:14.159 --> 00:38:19.119 Are they saying that it's a pre a precondition? I mean, 726 00:38:19.159 --> 00:38:21.159 why why are they fighting with you? What is the 727 00:38:21.960 --> 00:38:23.280 warranty company saying? 728 00:38:24.679 --> 00:38:25.320 This is where? 729 00:38:25.400 --> 00:38:27.159 This is why I think I knew it need a lawyer. 730 00:38:28.159 --> 00:38:31.119 They said that it's because it has aftermarket tires on 731 00:38:31.159 --> 00:38:34.320 it and the three inch list we bought it with that. 732 00:38:35.880 --> 00:38:40.199 Well, let me let me evan. It's it's so funny 733 00:38:40.199 --> 00:38:44.079 you're arguing with that warranty company. You bought a car 734 00:38:44.199 --> 00:38:48.280 from a dealer that sold you a warranty that is 735 00:38:48.360 --> 00:38:50.639 no good on the vehicle they sold you did you 736 00:38:51.079 --> 00:38:53.440 or or wait, I want to make sure that's correct. 737 00:38:53.760 --> 00:38:56.239 Did they sell you that warranty or did you go 738 00:38:56.360 --> 00:38:57.800 out and buy that warranty? 739 00:38:59.119 --> 00:39:01.719 No, they sold me the warranty, and not only that, 740 00:39:01.800 --> 00:39:04.280 when it was in the shop all of December, the 741 00:39:04.320 --> 00:39:05.639 warranty company. 742 00:39:05.320 --> 00:39:08.960 Told my mechanic not to file the claim. 743 00:39:08.920 --> 00:39:12.039 Because it was the mechanic or it was the dealership's fault. 744 00:39:12.880 --> 00:39:15.039 And so I went in and I said, Okay, I want. 745 00:39:14.880 --> 00:39:18.239 To cancel this service contract. And the dealership. 746 00:39:17.800 --> 00:39:19.599 Was like, no, no, let me get my rep on 747 00:39:19.599 --> 00:39:20.119 the phone and. 748 00:39:20.119 --> 00:39:20.880 Explain it to you. 749 00:39:21.480 --> 00:39:22.400 They're gonna cover it. 750 00:39:22.400 --> 00:39:27.840 Blah blah blah. So I tried to cancel the service contract. 751 00:39:27.960 --> 00:39:29.679 They convinced me not to. 752 00:39:30.760 --> 00:39:34.480 And now just now, like I'm talking, yesterday. 753 00:39:34.280 --> 00:39:36.440 I found out all of our claims have been denied 754 00:39:36.800 --> 00:39:40.280 because of this lift and this yeah. 755 00:39:40.159 --> 00:39:42.519 And I and I promise you what is the name 756 00:39:42.519 --> 00:39:45.440 of the what the warranty company? 757 00:39:47.639 --> 00:39:48.840 It's called. 758 00:39:50.880 --> 00:39:54.119 Until a drive vehicle service dealer Loyalty Protection. 759 00:39:56.920 --> 00:39:59.880 See, Okay, I'm gonna do a little research on that, 760 00:40:00.119 --> 00:40:02.960 but here's the bottom line. In that agreement, in that 761 00:40:03.159 --> 00:40:07.920 service contract, it does say exactly what you're talking about 762 00:40:08.000 --> 00:40:11.079 it's saying, especially a lift. Honestly, a lift is a 763 00:40:11.119 --> 00:40:15.280 pretty big modification. If the tires were basically pretty close 764 00:40:15.320 --> 00:40:18.639 to the same size, I would argue that all day 765 00:40:18.679 --> 00:40:21.079 for you, and I'd say, yeah, this, this service comp 766 00:40:21.239 --> 00:40:24.639 or this warranty company needs to stand up. But in 767 00:40:24.639 --> 00:40:26.760 a case where you actually have a lift on it, 768 00:40:27.360 --> 00:40:30.440 I agree with them. This should have never been sold 769 00:40:30.679 --> 00:40:33.360 The dealer that sold it to you with that lift 770 00:40:33.400 --> 00:40:36.599 on it should have never sold you a warranty that 771 00:40:37.000 --> 00:40:39.639 is basically void. There's no use to it. How much 772 00:40:39.679 --> 00:40:43.599 did you pay for it? 773 00:40:43.719 --> 00:40:44.119 Thirty? 774 00:40:45.119 --> 00:40:47.719 Yeah, and I go another step. I go one more 775 00:40:47.800 --> 00:40:51.679 step on this. You probably wouldn't have purchased that vehicle 776 00:40:51.719 --> 00:40:54.800 if you couldn't get a warranty on it. Is that correct? 777 00:40:55.800 --> 00:40:56.119 Yes? 778 00:40:56.199 --> 00:40:56.960 And I didn't know. 779 00:40:57.119 --> 00:40:59.199 And they only gave me the first page of the 780 00:40:59.239 --> 00:41:03.159 contract until I begged them to send me the whole contract, 781 00:41:03.280 --> 00:41:04.320 and finally they did. 782 00:41:04.719 --> 00:41:06.159 Well, oh, normally we don't have. 783 00:41:06.199 --> 00:41:07.800 To spend that because you don't you only mean the 784 00:41:07.840 --> 00:41:08.559 first page. 785 00:41:08.679 --> 00:41:09.840 Well, okay, they're full of crap. 786 00:41:09.880 --> 00:41:13.079 Who is it the dealership? 787 00:41:13.199 --> 00:41:20.639 Yeah, it's called off road Automotive off road geez, where 788 00:41:20.679 --> 00:41:23.480 are they in Fort Lupton. 789 00:41:26.079 --> 00:41:27.280 Are you in Fort Lupton. 790 00:41:29.039 --> 00:41:31.199 I'm I'm close, Kelly. 791 00:41:31.320 --> 00:41:33.000 I want you to do me a favorite. Try to 792 00:41:33.039 --> 00:41:35.159 get these guys on hold on. I'm trying to find 793 00:41:35.159 --> 00:41:37.400 their website real quick. I don't want to give the 794 00:41:37.440 --> 00:41:40.880 phone number out yet. I think, have you actually talked 795 00:41:40.880 --> 00:41:42.920 to him about getting out of this deal? I mean, 796 00:41:42.960 --> 00:41:45.679 what are they telling you right now? What are they 797 00:41:45.719 --> 00:41:48.639 telling you the dealership forget about the warranty company. I 798 00:41:48.679 --> 00:41:50.800 don't think you're going to go. It's not the warranty 799 00:41:50.840 --> 00:41:51.599 company's fault. 800 00:41:53.000 --> 00:41:54.639 Uh, the dealership. 801 00:41:54.719 --> 00:41:57.320 I talked to him like this. 802 00:41:57.199 --> 00:42:00.519 Morning and he's like, oh, well, I called my guy Yesterday's. 803 00:42:00.079 --> 00:42:01.079 Trying to get it figured out. 804 00:42:01.119 --> 00:42:03.960 They're trying to give get that wave and sent. 805 00:42:03.800 --> 00:42:05.760 To you or and get it approved. 806 00:42:07.400 --> 00:42:09.480 So another thing that I just hold on a second. 807 00:42:09.559 --> 00:42:12.599 Is the vehicle still there or is it a different shop. 808 00:42:13.920 --> 00:42:17.159 It's a different mechanic shop that they recommended we go 809 00:42:17.239 --> 00:42:20.519 to because they only had they didn't have. 810 00:42:22.440 --> 00:42:25.800 Enough space I guess in their mechanic shop for it 811 00:42:25.840 --> 00:42:26.440 to be there. 812 00:42:26.639 --> 00:42:28.719 But they're the ones that basically told you to go 813 00:42:28.840 --> 00:42:29.880 there or brought it there. 814 00:42:31.559 --> 00:42:34.039 Yeah, and the mechanic has been He's. 815 00:42:33.960 --> 00:42:35.320 Obviously I got it. 816 00:42:35.880 --> 00:42:42.800 We probably doubled it. Heaven, you got to watch the language. Okay, sorry, 817 00:42:42.840 --> 00:42:44.960 that's right, go ahead. So how much for the vehicle? 818 00:42:45.039 --> 00:42:50.360 There? The purchase price was twenty thousand, four hundred and 819 00:42:50.480 --> 00:42:51.599 ninety seven dollars. 820 00:42:51.960 --> 00:42:54.840 Yeah, this is Did you trade anything in or was 821 00:42:54.880 --> 00:42:56.440 it just a finance deal? 822 00:42:57.840 --> 00:42:58.239 We did? 823 00:42:58.280 --> 00:43:01.400 We trade it in a truck. 824 00:43:01.719 --> 00:43:03.440 This sucks. This sucks. 825 00:43:04.880 --> 00:43:07.159 So yeah, at this point I'd rather have the other 826 00:43:07.159 --> 00:43:07.599 one back. 827 00:43:07.679 --> 00:43:10.119 Well, I get that, but before the trade in, where 828 00:43:10.119 --> 00:43:11.800 were you at? In other words, you said it costs 829 00:43:11.840 --> 00:43:15.280 you twenty thousand? Is that truly? I mean, does that 830 00:43:15.360 --> 00:43:16.519 include your trade in? 831 00:43:16.920 --> 00:43:17.039 Like? 832 00:43:17.119 --> 00:43:20.039 What was the actual amount for this vehicle? 833 00:43:22.039 --> 00:43:25.440 Okay, I don't have all of that paperwork, it's actually 834 00:43:25.440 --> 00:43:29.559 in my car right now. But the I'm pretty sure, 835 00:43:30.159 --> 00:43:33.079 I'm sorry if this is wrong. Pretty sure it was 836 00:43:33.159 --> 00:43:37.920 listed at twenty four or something. And then they gave 837 00:43:38.079 --> 00:43:44.679 us eight grand for the truck, and then we bought 838 00:43:44.679 --> 00:43:45.599 the service contract. 839 00:43:45.639 --> 00:43:51.400 So I think our loan exactly is for like seventeen thousand. 840 00:43:51.559 --> 00:43:54.559 See, I don't think you should have ever. I think 841 00:43:54.599 --> 00:43:57.079 at this point, if they can't get it fixed, I mean, 842 00:43:57.119 --> 00:44:00.880 you're telling me they're still saying they're dealing with this company. 843 00:44:00.880 --> 00:44:04.960 But I don't know why this warranty company in a 844 00:44:05.159 --> 00:44:08.400 million years, wou'd pay for an engine unless if this 845 00:44:08.559 --> 00:44:13.480 dealer sells like a million of their contracts a freaking year, 846 00:44:13.519 --> 00:44:16.360 and that's why they do it. I mean, really, they 847 00:44:16.400 --> 00:44:20.119 should have never sold you that contract on that vehicle. 848 00:44:20.159 --> 00:44:22.320 But once again, I go a step further, and I 849 00:44:22.400 --> 00:44:25.559 really do evant, and that step further is I think 850 00:44:25.599 --> 00:44:29.280 they should undo the deal because you wouldn't have purchased 851 00:44:29.320 --> 00:44:35.199 it without that warranty. They totally misrepresented this entire deal 852 00:44:35.280 --> 00:44:37.519 to you, in my opinion. Give me the name of 853 00:44:37.559 --> 00:44:39.719 it again, I can't find him anywhere. 854 00:44:41.320 --> 00:44:43.199 It's called off Road Automotive. 855 00:44:45.480 --> 00:44:51.440 And it's in Fort Collins, No, Fort Lupton. That's why 856 00:44:51.440 --> 00:44:54.440 I'm screwing it up here. We are right here, four 857 00:44:54.519 --> 00:44:56.039 by four off road. 858 00:44:58.519 --> 00:45:01.719 No, I no, it's just called it. 859 00:45:01.920 --> 00:45:03.920 I mean it's literally when I look up off road 860 00:45:03.960 --> 00:45:05.000 automot I got. 861 00:45:04.920 --> 00:45:08.119 It, off Road Automotive, I got. It's like a kind 862 00:45:08.119 --> 00:45:10.360 of like a steel building barn looking thing. 863 00:45:12.320 --> 00:45:13.679 Yeah, that's their old building. 864 00:45:13.679 --> 00:45:15.639 But yes, that's the picture on the website. 865 00:45:15.679 --> 00:45:18.119 Hey Kelly, I want and who are you been dealing 866 00:45:18.159 --> 00:45:21.480 with there, like what salesperson? What service person? Who is it? 867 00:45:23.760 --> 00:45:26.599 The person who runs the contract? 868 00:45:26.639 --> 00:45:29.519 His name is Jordan. Now forget about who runs it. 869 00:45:29.599 --> 00:45:31.880 But that's who you've been dealing with, is Jordan? 870 00:45:32.719 --> 00:45:32.960 Yeah? 871 00:45:33.400 --> 00:45:35.400 Yeah, because anyone else you talked. 872 00:45:35.199 --> 00:45:39.119 To there has no idea about anything about the service contract. 873 00:45:39.239 --> 00:45:41.000 So all right, hold on, let me get you on 874 00:45:41.039 --> 00:45:45.239 hold Kelly off Road Automotive. Did you look them up 875 00:45:45.239 --> 00:45:49.800 as well? I'm gonna put their phone number up. Yeah, Jordan. 876 00:45:50.400 --> 00:45:53.280 She's saying, Jordan's got something to do with the contracts. 877 00:45:53.480 --> 00:45:56.400 If he can come on, that's great, But really, uh, 878 00:45:56.519 --> 00:45:59.559 this place looks small enough. I bet the owners sitting 879 00:45:59.559 --> 00:46:02.440 in there, or at least a GM. Let's try to 880 00:46:02.480 --> 00:46:05.360 get the owner or GM or someone on uh with 881 00:46:05.480 --> 00:46:07.880 their opinion and what they're gonna do on this. I mean, 882 00:46:07.920 --> 00:46:10.239 I can't imagine. I don't want to call them dead beats, 883 00:46:10.280 --> 00:46:13.280 but this seems pretty simple if they can't get it covered. 884 00:46:13.519 --> 00:46:16.360 This woman hasn't had use of her vehicle now for 885 00:46:16.719 --> 00:46:19.480 quite a long time. It needs an engine, and they're 886 00:46:19.519 --> 00:46:22.679 saying they're trying to pressure the warranty company into doing it. 887 00:46:22.920 --> 00:46:25.039 I don't even know how they're gonna do that though. 888 00:46:25.519 --> 00:46:27.800 I mean, if I was a warranty company, I wouldn't 889 00:46:27.840 --> 00:46:30.119 cover that in a million years. They put a lift 890 00:46:30.159 --> 00:46:33.679 on it, I guarantee it says any off road or 891 00:46:33.840 --> 00:46:36.960 any other parts that are on there not meant to 892 00:46:36.960 --> 00:46:40.119 be on there that change the vehicle, and a lift 893 00:46:40.320 --> 00:46:44.679 most certainly changes the vehicle. Uh, you're not gonna have coverage. 894 00:46:45.519 --> 00:46:48.000 We're gonna take a quick break. Three zho three seven 895 00:46:48.199 --> 00:46:50.639 one three A two five five two lines open. I 896 00:46:50.639 --> 00:46:56.800 want to hear from you. Three zero three Martino. 897 00:46:59.559 --> 00:47:02.840 Go with a sure thing Denver's best roofer Excel Roofing 898 00:47:02.960 --> 00:47:03.519 dot com. 899 00:47:03.559 --> 00:47:05.599 You don't pay a cent until you're content. 900 00:47:08.960 --> 00:47:12.519 Time for an insurance checkup free no obligation comparison call 901 00:47:12.639 --> 00:47:15.960 Compass Insurance paying too much your coverage at dozens of 902 00:47:15.960 --> 00:47:18.920 insurance companies find out now three all three seven seven 903 00:47:18.960 --> 00:47:21.719 to one help. You'll think you're his only customer when 904 00:47:21.719 --> 00:47:24.239 you choose Frank durand the real estate Man dot com 905 00:47:24.239 --> 00:47:27.320 to list your home with Remax Alliance three all three 906 00:47:27.440 --> 00:47:31.079 nine two zero sixteen twenty two all right, three oh. 907 00:47:31.000 --> 00:47:34.159 Three seven one three eight two five five, Hey, Jordan's 908 00:47:34.159 --> 00:47:37.719 on He's a sales manager at off Road Automotive, and 909 00:47:37.760 --> 00:47:40.280 I love when businesses come on, Jordan. I appreciate you 910 00:47:40.320 --> 00:47:43.679 coming on. So Evan called, she's just got a problem. 911 00:47:43.960 --> 00:47:45.960 It looks like you guys are trying to handle it, 912 00:47:46.039 --> 00:47:48.840 but I'm trying to get just a little more information 913 00:47:49.079 --> 00:47:52.199 on the situation. According to her, she bought the vehicle, 914 00:47:52.239 --> 00:47:56.159 a twenty seventeen Chevy fifteen hundred in October of twenty 915 00:47:56.239 --> 00:47:58.960 twenty four. Uh, there was some problems with it. You 916 00:47:59.000 --> 00:48:02.519 guys basically had the lifter's done and she got it back. 917 00:48:02.559 --> 00:48:05.800 But now ultimately she hasn't been in the vehicle for 918 00:48:05.840 --> 00:48:09.400 a while. It needs an entire engine. The warranty company 919 00:48:09.400 --> 00:48:12.880 a thirty five hundred dollars warranty like in tell Us 920 00:48:12.880 --> 00:48:16.239 something or something along that line. They're claiming they're not 921 00:48:16.280 --> 00:48:19.039 going to cover it because the vehicle had a lift 922 00:48:19.079 --> 00:48:23.159 on it. In every aftermarket warranty I've ever seen, if 923 00:48:23.159 --> 00:48:27.079 something's dramatically changed like that, they generally, well, first of all, 924 00:48:27.079 --> 00:48:29.360 they always try to find an out, any out, but 925 00:48:29.639 --> 00:48:32.239 if if literally it has a lift on it, most 926 00:48:32.320 --> 00:48:36.360 of them would never cover anything like that. But it 927 00:48:36.400 --> 00:48:38.719 looks like you guys are trying to get get them 928 00:48:38.760 --> 00:48:41.400 to do it. But let's say they don't fix it 929 00:48:41.679 --> 00:48:43.800 and stand up to it. Where is this going to 930 00:48:43.920 --> 00:48:45.119 leave her in this deal? 931 00:48:47.039 --> 00:48:51.320 So yeah, the whole story behind that was it went 932 00:48:51.400 --> 00:48:55.639 into the shop late October early November for some left 933 00:48:55.679 --> 00:48:59.320 to work. The warranty company paid out that claim and 934 00:48:59.360 --> 00:49:02.800 got it fit, and then it had to go back 935 00:49:02.840 --> 00:49:06.119 into the shop. I'm not too for sure when apparently 936 00:49:06.159 --> 00:49:09.719 something mess up with the lifters again, But the warranty 937 00:49:09.760 --> 00:49:13.880 company should be reverting their denial because it's only a 938 00:49:13.960 --> 00:49:14.639 three inch left. 939 00:49:15.440 --> 00:49:18.320 Okay, So the argument is there's no way to cause 940 00:49:18.400 --> 00:49:19.320 the engine damage. 941 00:49:20.079 --> 00:49:23.079 You're right that too, So I'm a little confused on 942 00:49:23.159 --> 00:49:24.239 why they're inspector. 943 00:49:24.920 --> 00:49:26.800 Well, I want to go back. I want to go 944 00:49:26.880 --> 00:49:30.199 back to that question, and that's basically what Evan said. 945 00:49:30.440 --> 00:49:32.920 She said, you guys were communicating with her, you know, 946 00:49:33.039 --> 00:49:37.360 as recently as yesterday, and basically said that you think 947 00:49:37.400 --> 00:49:39.559 it's going to be covered. I want to go back 948 00:49:39.599 --> 00:49:42.599 to this though, if you don't mind, what is going 949 00:49:42.679 --> 00:49:45.519 to happen if they do decline it. That's what I'm 950 00:49:45.559 --> 00:49:46.440 more worried about. 951 00:49:47.800 --> 00:49:49.960 Well, then it would have to unfortunately come out of 952 00:49:50.039 --> 00:49:53.880 someone's pocket when we're always trying to make everything right 953 00:49:53.920 --> 00:49:56.400 for our customers, So we could potentially look into trading 954 00:49:56.400 --> 00:49:57.760 her out of the vehicle. 955 00:49:57.719 --> 00:50:00.719 Or yeah, we know that's generally. I'm not saying you 956 00:50:00.760 --> 00:50:02.800 guys would do her wrong like that, but we do 957 00:50:02.920 --> 00:50:06.239 know of dealerships where you know, something like this happens 958 00:50:06.239 --> 00:50:08.519 and they end up in even worse shape. But I'm 959 00:50:08.559 --> 00:50:10.920 not saying you guys would do that. Honestly, I don't 960 00:50:10.960 --> 00:50:14.079 think we've gotten many complaints on you guys over however 961 00:50:14.079 --> 00:50:16.159 long you've been in business, So I mean, I don't 962 00:50:16.199 --> 00:50:18.519 think that's an issue. I would say this, and I'm 963 00:50:18.559 --> 00:50:22.719 curious from a sales manager's point and as you as 964 00:50:22.800 --> 00:50:27.000 a consumer, because you buy stuff. I've always said if 965 00:50:27.039 --> 00:50:29.960 I went out and bought a used vehicle and someone 966 00:50:30.039 --> 00:50:32.679 sold me a warranty on it and then we find 967 00:50:32.719 --> 00:50:35.159 out to warranty is no good, generally the calls we 968 00:50:35.239 --> 00:50:38.320 get is pre existing condition. That's the biggest one. The 969 00:50:38.440 --> 00:50:40.599 warranty company goes, oh, we're not going to do that 970 00:50:40.719 --> 00:50:45.239 transmission because it was there prior to you buying the warranty. 971 00:50:45.280 --> 00:50:48.320 I'm sure you've heard that a million times too, So yeah, 972 00:50:48.639 --> 00:50:51.719 that's that's our number one call. We get the exact 973 00:50:51.719 --> 00:50:54.960 same call on cars that we're talking about now, but 974 00:50:55.079 --> 00:50:57.920 not nearly as much where there's been a modification. But 975 00:50:59.119 --> 00:51:02.599 I've always made argument, and we have an attorney, Kelly, 976 00:51:02.639 --> 00:51:06.519 what is her name? I always Rena, Rena, Rena buy off. 977 00:51:06.639 --> 00:51:07.280 So all she. 978 00:51:07.320 --> 00:51:09.559 Does, Jordan, Well, she does a ton of lemon law. 979 00:51:09.599 --> 00:51:12.559 But all she does is deal with cars. But most 980 00:51:12.559 --> 00:51:15.519 of it's new cars and lemon law. But what's curious, 981 00:51:15.960 --> 00:51:20.079 and her and I have discussed it. I think although 982 00:51:20.280 --> 00:51:23.639 it wasn't done on purpose, in most cases, when something 983 00:51:23.719 --> 00:51:27.480 is sold with a warranty and people are not thinking 984 00:51:27.519 --> 00:51:30.119 that they're going to have to come four five, six, seven, 985 00:51:30.239 --> 00:51:34.079 eight thousand dollars out of pocket because they have this warranty, 986 00:51:34.599 --> 00:51:37.280 I would argue she wouldn't. And I've asked Evan this 987 00:51:37.440 --> 00:51:40.599 on air if she would have bought the vehicle if 988 00:51:40.599 --> 00:51:42.719 it didn't have some form of warranty and she said 989 00:51:42.719 --> 00:51:46.760 absolutely not. So I would say, if it doesn't get 990 00:51:46.760 --> 00:51:50.679 handled by the warranty company, I would say, you know, 991 00:51:50.920 --> 00:51:54.039 maybe she pays for some of the mileage usage she has, 992 00:51:54.159 --> 00:51:58.760 but she gets to pretty much undo the deal. Or 993 00:51:58.960 --> 00:52:01.559 maybe you guys to have up and fix it or 994 00:52:01.800 --> 00:52:04.079 kind of like what you said, you guys kind of 995 00:52:04.119 --> 00:52:06.239 trade or out of it, but you do it in 996 00:52:06.280 --> 00:52:08.840 a very fair and honest way. I mean, do you 997 00:52:08.880 --> 00:52:12.559 think you guys would handle that in one of those approaches. 998 00:52:12.840 --> 00:52:17.000 Oh, definitely, there were not in the business of unwinded deals. 999 00:52:17.000 --> 00:52:19.519 So we want to find the right vehicle for excellent. 1000 00:52:19.760 --> 00:52:22.039 So do you really think you're going to get this 1001 00:52:22.119 --> 00:52:24.559 warranted company to come through? Do you guys sell a 1002 00:52:24.599 --> 00:52:25.400 lot of their paper? 1003 00:52:26.199 --> 00:52:26.400 Oh? 1004 00:52:26.480 --> 00:52:29.719 Yeah, no, this is my most used warranty company. 1005 00:52:29.719 --> 00:52:33.920 And so you got some armed twists there. Oh that 1006 00:52:34.679 --> 00:52:37.360 you have some arm twisting to do with these guys. 1007 00:52:37.719 --> 00:52:40.639 Niah, There's no reason for it to be denied because 1008 00:52:40.639 --> 00:52:45.159 of the three inch lift, because they only deny claims 1009 00:52:45.280 --> 00:52:48.320 if the search hard for a six inch lift and 1010 00:52:48.360 --> 00:52:51.599 above got it is not clicked. So there wouldn't be 1011 00:52:51.599 --> 00:52:53.880 a reason for a three inch left to be the client. 1012 00:52:54.000 --> 00:52:55.960 You know, I haven't what's the name of that warranty 1013 00:52:55.960 --> 00:52:58.800 you sell? What's it called again, intel A, it's. 1014 00:52:58.679 --> 00:53:01.360 A dealer loyalty protection? Is the company got it? 1015 00:53:01.400 --> 00:53:05.559 So what's interesting not from that company but from other companies. 1016 00:53:06.000 --> 00:53:12.719 We have actually had other warranty companies deny almost anything 1017 00:53:12.840 --> 00:53:17.360 transmissions engines. You know, repairs over a thousand bucks based 1018 00:53:17.440 --> 00:53:21.119 upon just the tire size. I mean like literally on 1019 00:53:21.280 --> 00:53:25.360 tire size, and we have helped fight and basically make 1020 00:53:25.440 --> 00:53:28.119 them pay out. So we have definitely done that. I 1021 00:53:28.199 --> 00:53:30.840 agree with you if it's only a three inch lift, 1022 00:53:30.880 --> 00:53:34.920 but you're sure you're sure a three inch lift doesn't 1023 00:53:35.440 --> 00:53:36.840 tax that motor more? 1024 00:53:38.199 --> 00:53:41.199 Oh yeah, I mean that's just some suspension work, that's it. 1025 00:53:42.159 --> 00:53:45.280 And the previous claim was paid out and it had 1026 00:53:45.280 --> 00:53:47.920 that same lift on it, so there's no reason why 1027 00:53:47.920 --> 00:53:48.599 this one wouldn't. 1028 00:53:48.639 --> 00:53:50.599 All right, When do you think you'll know what direction 1029 00:53:50.760 --> 00:53:53.039 to go? Go ahead? Evan? Did you have a question? 1030 00:53:54.679 --> 00:53:57.159 The lifters haven't gotten fixed at all? Like the claim 1031 00:53:57.800 --> 00:54:00.000 that he's there was. 1032 00:53:59.719 --> 00:54:02.800 There was a claim that got accepted and approved, but 1033 00:54:02.840 --> 00:54:06.119 it was just for the lifters, and the mechanick was 1034 00:54:06.239 --> 00:54:08.159 calling them every day telling them, hey this. 1035 00:54:08.119 --> 00:54:08.960 And need a new engine. 1036 00:54:08.960 --> 00:54:09.760 How do I submit that? 1037 00:54:10.400 --> 00:54:14.599 Evan? I'm sorry, Evan, I dig exactly what you're saying. 1038 00:54:14.599 --> 00:54:17.320 But if you've been following the conversation I've had you up, 1039 00:54:18.119 --> 00:54:20.320 I get that they went in they wanted to try 1040 00:54:20.360 --> 00:54:23.280 to fix it by the lifters. It was diagnosed, they 1041 00:54:23.360 --> 00:54:26.719 probably got some approval to get the lifters done. They 1042 00:54:26.719 --> 00:54:28.920 got it done, and kind of the issue was still 1043 00:54:28.960 --> 00:54:31.559 there because more or less the whole time it needed 1044 00:54:31.599 --> 00:54:35.400 an engine. But everybody there at off Road now, especially Jordan, 1045 00:54:35.519 --> 00:54:38.599 knows what's going on, and if you heard everything we 1046 00:54:38.719 --> 00:54:41.840 talked about, they're either going to get these people to 1047 00:54:41.880 --> 00:54:44.320 fix it. They're either going to step up to the 1048 00:54:44.360 --> 00:54:47.000 plate and fix it, or they're basically going to give 1049 00:54:47.039 --> 00:54:50.800 you what you paid back towards another vehicle that you're 1050 00:54:50.800 --> 00:54:54.400 happy with there. I mean, those are decent outcomes. If 1051 00:54:54.440 --> 00:54:58.679 you ask me for the circumstance you're in, would you agree. 1052 00:54:59.119 --> 00:54:59.880 So I agree. 1053 00:55:00.639 --> 00:55:02.280 I was also looking at it, and I guess this 1054 00:55:02.400 --> 00:55:04.679 is I was just looking at it. But it also 1055 00:55:04.719 --> 00:55:07.679 says something about like the a doometer being off, and 1056 00:55:07.719 --> 00:55:10.159 when we bought the truck, the Kelly Blue Bucks said 1057 00:55:10.199 --> 00:55:12.599 that a dometer was off, and it's one of the 1058 00:55:12.639 --> 00:55:14.280 things that it says it's not going to cover for 1059 00:55:14.320 --> 00:55:15.000 that as well. 1060 00:55:15.440 --> 00:55:18.039 So maybe, well, what would you cover on that. I mean, 1061 00:55:18.360 --> 00:55:21.920 let's just say worst scenario, the odometer was rolled back. 1062 00:55:21.960 --> 00:55:24.400 I mean, what do you mean covered on that. What 1063 00:55:24.400 --> 00:55:27.239 does that mean, like you want the odometer said it 1064 00:55:27.320 --> 00:55:28.320 to correct? 1065 00:55:29.400 --> 00:55:29.639 No? 1066 00:55:29.519 --> 00:55:31.679 No, for the same session where it says we're not 1067 00:55:31.719 --> 00:55:32.960 going to cover a vehicle. 1068 00:55:32.679 --> 00:55:34.559 With these things, yeah, such. 1069 00:55:34.320 --> 00:55:36.639 As the lift and the aftermarket tires. 1070 00:55:36.760 --> 00:55:38.679 Yeah, it says we're not going to cover a vehicle 1071 00:55:38.719 --> 00:55:41.039 that has an a dometer that's not correct. 1072 00:55:41.119 --> 00:55:43.480 Yeah, but what does that mean? What's not Jordan? Do 1073 00:55:43.559 --> 00:55:45.599 you know what's not correct about her dometer? 1074 00:55:46.920 --> 00:55:49.440 That looks like a shop made a typo back in 1075 00:55:49.559 --> 00:55:52.079 twenty twenty one, twenty twenty two. 1076 00:55:54.119 --> 00:55:56.960 But that's that hasn't come up from the warranty company 1077 00:55:57.000 --> 00:55:57.639 at all, has it. 1078 00:55:58.920 --> 00:56:01.440 That's not a brand title or anything like that either. 1079 00:56:01.559 --> 00:56:01.880 So much. 1080 00:56:01.960 --> 00:56:05.159 Yes, so Evan, I mean if someone miskeyed something, yeah, 1081 00:56:05.599 --> 00:56:07.559 I wouldn't worry about that. And let me explain that 1082 00:56:07.599 --> 00:56:10.320 to somebody what he just said. Any shop out there, 1083 00:56:10.480 --> 00:56:13.719 I mean, Jiffy Loub at this point probably does, but 1084 00:56:13.760 --> 00:56:17.800 I know Goodyear Firestone breaks. Plus all these people are 1085 00:56:17.960 --> 00:56:21.360 point of sale. The point of sale systems literally talk 1086 00:56:21.440 --> 00:56:24.519 to like Carfax, and when you do an oil change, 1087 00:56:24.519 --> 00:56:27.280 it sends it up to Carfax. So when someone pulls 1088 00:56:27.280 --> 00:56:29.559 the Carfax at some point and I don't care if 1089 00:56:29.559 --> 00:56:33.400 it's Kelly Bluebook or a dealer or whoever pulls that carfax, 1090 00:56:33.639 --> 00:56:36.400 they're going to see it. So if someone fat fingered, 1091 00:56:36.760 --> 00:56:39.599 you know, one entry way back when, but then the 1092 00:56:39.639 --> 00:56:41.880 rest of it all makes sense. None of that's going 1093 00:56:41.920 --> 00:56:44.760 to affect anything we're talking about. So really, what I 1094 00:56:44.800 --> 00:56:47.000 want you to do, Evan as simple as this. I 1095 00:56:47.400 --> 00:56:50.079 want you to stay in contact with Jordan. Jordan, what 1096 00:56:50.199 --> 00:56:52.320 do you think you'll hear something the next couple of 1097 00:56:52.400 --> 00:56:53.800 days on the warranty stuff. 1098 00:56:54.719 --> 00:56:56.119 Definitely the next couple of days. 1099 00:56:56.239 --> 00:56:56.519 Okay. 1100 00:56:56.519 --> 00:56:58.719 I think I'm worried about is if the shop's trying 1101 00:56:58.719 --> 00:57:02.719 to file for entire engine and it could be just 1102 00:57:02.880 --> 00:57:06.199 the lifters, So if they if the first claim was 1103 00:57:06.199 --> 00:57:07.239 never officially. 1104 00:57:06.880 --> 00:57:08.639 But this is a shop you told her to send 1105 00:57:08.639 --> 00:57:08.920 her to. 1106 00:57:09.039 --> 00:57:11.360 Right, I don't know? 1107 00:57:11.719 --> 00:57:17.679 Yeah, well Evan, Yeah okay, So Jordan, why don't you 1108 00:57:17.719 --> 00:57:19.159 call it? How about we give you a couple of 1109 00:57:19.239 --> 00:57:20.920 days to look into it. I mean, would you do 1110 00:57:21.000 --> 00:57:23.519 that for us and then get back to her then, Evan, 1111 00:57:23.599 --> 00:57:25.400 give us a call back and let us know where 1112 00:57:25.400 --> 00:57:30.320 it's at. I mean, can we all be on that 1113 00:57:30.360 --> 00:57:32.360 same page? Is that good? Is everybody good? 1114 00:57:32.400 --> 00:57:32.639 With that. 1115 00:57:33.320 --> 00:57:34.840 No, I'm just waiting on Yeah, that's. 1116 00:57:36.599 --> 00:57:39.199 Yeah. No, And Evan, I'm giving you advice right now. 1117 00:57:39.239 --> 00:57:41.360 So I think we're in good shape, and let me 1118 00:57:41.400 --> 00:57:43.719 do this real quick. Stay Evan, I want you to 1119 00:57:43.760 --> 00:57:47.239 stay on. But hey, Jordan, I really appreciate you coming on. 1120 00:57:47.639 --> 00:57:50.400 Do me a favor and get involved to the to 1121 00:57:50.440 --> 00:57:54.079 the point where you're a thorn in their ass and 1122 00:57:54.199 --> 00:57:56.000 try to figure out how to get it paid or 1123 00:57:56.039 --> 00:57:57.159 move forward with her. 1124 00:57:57.199 --> 00:58:00.679 All right, Oh yeah, absolutely, I hope I've been on 1125 00:58:00.719 --> 00:58:01.119 top of it. 1126 00:58:01.159 --> 00:58:04.119 All right, thank you very much. And then Evan, what 1127 00:58:04.159 --> 00:58:06.440 I want you to do is listen, give them a 1128 00:58:06.440 --> 00:58:08.440 couple of days and give us a call back and 1129 00:58:08.519 --> 00:58:10.920 let us know what's going on. The guy seems like 1130 00:58:10.960 --> 00:58:13.840 a good guy. Kelly's got him on hold right now. 1131 00:58:13.880 --> 00:58:16.199 And I'll tell you this since he's on hold, you know, 1132 00:58:16.280 --> 00:58:18.519 I want to do everything to try to rectify this 1133 00:58:18.639 --> 00:58:21.400 quickly for you. So I'm not going to go ballistic 1134 00:58:21.480 --> 00:58:23.480 over this. But if they're not going to do anything, 1135 00:58:23.639 --> 00:58:25.760 and I do, I really have a gut feeling they 1136 00:58:25.760 --> 00:58:27.480 are going to come through on this. But if they 1137 00:58:27.480 --> 00:58:30.480 don't want to do anything, I have another tactic. I 1138 00:58:30.519 --> 00:58:33.360 am very good at But I think these guys are 1139 00:58:33.360 --> 00:58:35.599 going to get it handled for you, Okay, and then 1140 00:58:35.760 --> 00:58:38.159 if they do want to buy you out of that vehicle, 1141 00:58:38.480 --> 00:58:40.719 I want to see the paperwork on it to make 1142 00:58:40.800 --> 00:58:45.119 sure it's fair. Okay, sound good? 1143 00:58:46.639 --> 00:58:47.000 Yes, sir? 1144 00:58:47.000 --> 00:58:48.840 All right, hold on, I got to put you on hold. 1145 00:58:48.880 --> 00:58:52.880 I want your information, Kelly, get absolutely everything from her. 1146 00:58:53.199 --> 00:58:57.679 Miles has got a question on a bridge loan. Yeah, Miles, 1147 00:58:57.719 --> 00:58:59.880 I'll tell you what I've had him and I've had 1148 00:59:00.000 --> 00:59:02.960 actually you've given them or written them, so Hank tight, 1149 00:59:03.039 --> 00:59:05.559 we'll figure exactly what's going on. But your next three 1150 00:59:05.599 --> 00:59:08.840 oh three seven one, three eight, two five five, I'd 1151 00:59:08.840 --> 00:59:11.920 love to hear from you. Got two lines open three 1152 00:59:12.480 --> 00:59:19.960 zero three Martino or at help at troubleshooter dot com. 1153 00:59:20.159 --> 00:59:23.440 Go with a sure thing Denver's Best roofer Excel roofing 1154 00:59:23.519 --> 00:59:24.119 dot com. 1155 00:59:24.159 --> 00:59:26.159 You don't pay a cent until you're content. 1156 00:59:29.559 --> 00:59:32.719 Time for an insurance check up free, no obligation comparison 1157 00:59:32.880 --> 00:59:36.440 call Compass Insurance paying too much your coverage at dozens 1158 00:59:36.440 --> 00:59:39.159 of insurance companies. Find out now three oh three seven 1159 00:59:39.159 --> 00:59:41.519 to seven to one help. You'll think you're his only 1160 00:59:41.639 --> 00:59:44.079 customer when you choose Frank durand the real estate man 1161 00:59:44.119 --> 00:59:47.599 dot com to list your home with Remax Alliance three 1162 00:59:47.599 --> 00:59:49.920 oh three nine two zero sixteen twenty two. 1163 00:59:51.239 --> 00:59:53.920 Kai three oh three seven one three A two five five. 1164 00:59:53.960 --> 00:59:56.400 We're gonna have one line open in a minute. I 1165 00:59:56.440 --> 00:59:59.079 know some people are on hold waiting to get up. 1166 00:59:59.119 --> 01:00:02.000 I promise you guys will be first. But Miles has 1167 01:00:02.039 --> 01:00:04.199 a question on a bridge loan. Hey Miles, what is 1168 01:00:04.239 --> 01:00:05.159 your exact question? 1169 01:00:07.000 --> 01:00:10.079 Hey, mart thanks for taking my call. Actually, here's my 1170 01:00:10.159 --> 01:00:13.880 situation is, Uh, my parents need to go into assistant 1171 01:00:13.920 --> 01:00:17.639 living facility, and in order to pay for that, I 1172 01:00:17.760 --> 01:00:22.599 have to sell their their property. Uh now, I they've 1173 01:00:22.679 --> 01:00:24.360 have they have a ton of equity in their in 1174 01:00:24.440 --> 01:00:25.800 their property. 1175 01:00:25.920 --> 01:00:28.360 Well let's talk. Let's define a ton. What is a ton? 1176 01:00:28.440 --> 01:00:28.639 Sir? 1177 01:00:29.760 --> 01:00:32.360 What what is a ton of equity? In your opinion? 1178 01:00:33.320 --> 01:00:37.639 Well, well, but I mean they they they've got about 1179 01:00:38.199 --> 01:00:39.760 about eight hundred thousand equity. 1180 01:00:39.920 --> 01:00:42.239 Oh that's a ton. I agree with that. Yeah, that's 1181 01:00:42.239 --> 01:00:42.880 what I was saying. 1182 01:00:42.920 --> 01:00:43.039 Though. 1183 01:00:43.119 --> 01:00:45.519 More more, what I was curious about is the loan 1184 01:00:45.559 --> 01:00:46.119 to value. 1185 01:00:46.159 --> 01:00:47.679 So got a metric tone? 1186 01:00:48.000 --> 01:00:50.239 What is the loan to value? What's the house worth? 1187 01:00:51.840 --> 01:01:00.480 Well, the house is worth about a million Uh. 1188 01:00:57.760 --> 01:00:59.039 Nice, that's great. 1189 01:01:00.360 --> 01:01:02.960 Yeah, they have alio about two hundred thousand. 1190 01:01:03.039 --> 01:01:07.039 Now, explain to me why why you need money or 1191 01:01:07.159 --> 01:01:12.360 they need a loan in order to get into long 1192 01:01:12.480 --> 01:01:16.159 term care, I assume is what you're looking at. Yes, 1193 01:01:16.760 --> 01:01:19.480 And how much is the long term care per individual? 1194 01:01:21.039 --> 01:01:24.800 Well, we we found a place. It's not eight thousand, 1195 01:01:25.840 --> 01:01:27.039 eight to nine thousand. 1196 01:01:26.760 --> 01:01:29.840 A bus for both of them, you know, for. 1197 01:01:29.960 --> 01:01:32.119 For both of them. Yeah, that's pretty nice. 1198 01:01:32.119 --> 01:01:35.119 Hey, I'm just curious because I'm starting to I'm gonna 1199 01:01:35.159 --> 01:01:38.599 have to start thinking about these kind of things. But like, 1200 01:01:38.960 --> 01:01:41.039 do they live in the like is it in an 1201 01:01:41.119 --> 01:01:43.519 apartment at that at that kind of cost where they 1202 01:01:43.559 --> 01:01:46.599 both live in the same unit if you will. 1203 01:01:47.760 --> 01:01:52.119 Yeah, it's basically a one venue apartment. Have a bedroom, 1204 01:01:52.480 --> 01:01:55.960 then you have a sitting area, and you've got you 1205 01:01:56.000 --> 01:01:58.639 don't really have a kitchen at but you know, you've 1206 01:01:58.639 --> 01:02:01.239 got a refrigerator and the sake of ace. 1207 01:02:01.440 --> 01:02:05.280 So the facilities has the breakfast, lunch, and dinner. They 1208 01:02:05.320 --> 01:02:08.400 have probably care depending on where your parents are at 1209 01:02:08.719 --> 01:02:11.280 that maybe they get checked on once a day, maybe 1210 01:02:11.280 --> 01:02:14.119 they're checked on every few hours. And as they get 1211 01:02:14.199 --> 01:02:16.760 older or in worse health, you know, it just changes. 1212 01:02:18.159 --> 01:02:20.360 Yeah, well, my father is pretty. 1213 01:02:20.039 --> 01:02:24.079 Advanced Alzheimer's or Alzheimer's. 1214 01:02:24.480 --> 01:02:27.559 No is with Parkinson's. 1215 01:02:27.599 --> 01:02:31.320 I had my Suzanne's grandmother. We watched her. Uh, she 1216 01:02:31.480 --> 01:02:35.840 actually lived pretty long. But man, Parkinson's it's a nasty sucker. Man, 1217 01:02:35.920 --> 01:02:40.440 it is nasty. But keep going. So you need how much? 1218 01:02:40.559 --> 01:02:43.239 Like I mean, I would assume that house would sell 1219 01:02:43.280 --> 01:02:46.079 pretty quick. So I'm still trying to understand where the 1220 01:02:46.119 --> 01:02:48.480 bridge loan or not that. 1221 01:02:48.960 --> 01:02:53.480 Not necessarily. It's very unique property. It's in Bolder, it's 1222 01:02:53.519 --> 01:02:58.840 on two acres. Uh, it's a farmhouse. And the thing is, 1223 01:02:58.920 --> 01:03:01.000 it's gonna take me about six months to get that 1224 01:03:01.079 --> 01:03:05.920 place properly ready to sell because they have barns that 1225 01:03:06.000 --> 01:03:07.800 are just full of stuff. 1226 01:03:07.880 --> 01:03:09.599 Yeah, I gotcha. 1227 01:03:09.800 --> 01:03:11.599 And the house is full of stuff. 1228 01:03:11.719 --> 01:03:16.280 And the semi hoarding semi hoarding situation, but it's mostly 1229 01:03:16.360 --> 01:03:18.199 just stuff collected from a long life. 1230 01:03:19.320 --> 01:03:22.000 Yeah, for long life. And plus whenever you have a 1231 01:03:22.039 --> 01:03:26.079 barn and someone needs to source something for a month, 1232 01:03:26.239 --> 01:03:27.199 they bring it over there. 1233 01:03:27.800 --> 01:03:30.960 How much are you thinking? So I'm looking at this 1234 01:03:31.039 --> 01:03:34.360 in two ways like Okay, what would I personally do? 1235 01:03:34.800 --> 01:03:38.400 And then I'm also looking at it as almost like 1236 01:03:38.440 --> 01:03:42.199 a lender at a certain point. So what right, So 1237 01:03:42.239 --> 01:03:45.440 what are you how much are you trying to get 1238 01:03:46.360 --> 01:03:50.199 right now? Well, six months times nine thousand, nine times 1239 01:03:50.199 --> 01:03:54.800 six fifty sixty grand, yeah, somewhere around there. And then 1240 01:03:54.800 --> 01:03:57.599 what kind of interest? So there's a couple way to 1241 01:03:57.639 --> 01:03:59.800 look at this. I mean, bridge loans are pretty high 1242 01:03:59.880 --> 01:04:02.519 end or loans. There would be nothing to pay ten 1243 01:04:02.559 --> 01:04:05.840 percent on that, So I mean would that even bother you? 1244 01:04:08.639 --> 01:04:13.880 It depends. I mean we have a liquid assets or 1245 01:04:14.199 --> 01:04:19.360 you know, a few months maybe three months okay, and 1246 01:04:19.599 --> 01:04:22.960 uh but you know, like I said, it's gonna take 1247 01:04:23.000 --> 01:04:28.320 me about six months to get that property properly ready 1248 01:04:28.559 --> 01:04:28.960 to sell. 1249 01:04:30.000 --> 01:04:31.400 They get a heelock on their home. 1250 01:04:31.960 --> 01:04:34.519 No, I don't know what their income stances, but it 1251 01:04:34.559 --> 01:04:36.440 seems a lot to go. No matter what, you're going 1252 01:04:36.519 --> 01:04:39.559 to have to go through closing. You're going to have 1253 01:04:39.679 --> 01:04:42.760 to come out of pocket no matter what. So I'm 1254 01:04:42.800 --> 01:04:45.079 trying to figure out for such a low amount, what 1255 01:04:45.079 --> 01:04:47.679 would the actual amount be. You said you had three 1256 01:04:47.679 --> 01:04:53.480 months or are you only looking for like thirty thousand. 1257 01:04:52.039 --> 01:04:53.239 Maybe another three months? 1258 01:04:53.320 --> 01:04:54.920 Yeah, about thirty thousand. 1259 01:04:57.119 --> 01:04:59.840 Well, and you don't want to come out of pocket 1260 01:05:00.079 --> 01:05:01.159 or you can't come out of. 1261 01:05:01.119 --> 01:05:04.079 Pocket, right, Yeah, I can't come out of park. 1262 01:05:04.159 --> 01:05:06.119 You don't want to do that, well, I mean, I'll 1263 01:05:06.159 --> 01:05:09.679 be honest, man, I mean go ahead. Well I would do. 1264 01:05:09.800 --> 01:05:12.599 And I'm talking me personally, and I'm not saying this 1265 01:05:12.639 --> 01:05:15.199 because this is an awkward circumstance because you know, I'm 1266 01:05:15.519 --> 01:05:17.840 on the radio and you're calling in for advice, but 1267 01:05:17.960 --> 01:05:20.920 to give you an idea. If my typical people came 1268 01:05:20.960 --> 01:05:23.400 to me and said, hey, do you want to do this, 1269 01:05:24.280 --> 01:05:26.840 if you wanted thirty thousand, I would do a one 1270 01:05:26.920 --> 01:05:29.400 time fee of five grand on it, and I'd give 1271 01:05:29.440 --> 01:05:32.119 you thirty thousand. I would make five grand on that, 1272 01:05:32.519 --> 01:05:34.480 and i'd give you nine months to pay it back, 1273 01:05:34.519 --> 01:05:36.840 and i'd hold the d to security. So I mean, 1274 01:05:36.880 --> 01:05:39.199 that's kind of a hard nose lender looking at it. 1275 01:05:39.239 --> 01:05:41.840 But even if you got a heat lock or something, 1276 01:05:41.880 --> 01:05:44.840 no matter what with closing costs and interest, you could 1277 01:05:44.880 --> 01:05:48.800 easily be about that amount there. So the other thing 1278 01:05:48.880 --> 01:05:51.480 you can do is literally talk to this. See this 1279 01:05:51.840 --> 01:05:54.000 would cost a fortune, but it would get you out 1280 01:05:54.039 --> 01:05:56.880 of it. But it doesn't make economic sense compared to 1281 01:05:56.880 --> 01:06:00.559 a five thousand dollars fee. So what you could do 1282 01:06:00.639 --> 01:06:03.239 is get a reverse mortgage, and they would instantly have 1283 01:06:03.400 --> 01:06:06.400 access to a lot of that. But then, I mean, 1284 01:06:06.440 --> 01:06:09.960 you're paying all that money and doing all the qualifications 1285 01:06:10.000 --> 01:06:12.800 and everything, and you might actually have to bring the 1286 01:06:12.920 --> 01:06:15.880 home up if there's big problems with it to a 1287 01:06:15.920 --> 01:06:18.639 certain amount. It's just not a good option. You know 1288 01:06:18.679 --> 01:06:20.719 what I would like to do, though, Here's what I'd 1289 01:06:20.760 --> 01:06:23.079 really really like to do. I want to get John 1290 01:06:23.159 --> 01:06:25.639 Clays up. You heard what I do. Let's ask a 1291 01:06:25.679 --> 01:06:30.199 guy that literally lends money, traditional pass every which way. 1292 01:06:30.320 --> 01:06:32.079 So I want you to hold on Miles, all right, 1293 01:06:32.119 --> 01:06:34.679 and we're going to get John Clay's up, Kelly, and 1294 01:06:34.719 --> 01:06:38.039 then Teresa's got a problem with AT and T cellular, 1295 01:06:38.920 --> 01:06:42.519 Kei's got an issue with a basement man contractors. It's 1296 01:06:42.559 --> 01:06:44.239 that time of year. Wait till we start getting the 1297 01:06:44.280 --> 01:06:47.519 landscaping calls. But I'd want to finish up with Miles 1298 01:06:47.559 --> 01:06:50.480 after the break. If we can get Clayson real quick, 1299 01:06:51.360 --> 01:06:52.119 we'll be right back. 1300 01:06:57.119 --> 01:07:00.400 Go with a sure thing Denver's Best Ruffer excel roofing 1301 01:07:00.480 --> 01:07:01.039 dot com. 1302 01:07:01.079 --> 01:07:02.800 You don't pay a cent until you're. 1303 01:07:02.719 --> 01:07:09.679 Contenth time for an insurance checkup free, no obligation in comparison, 1304 01:07:09.800 --> 01:07:13.360 call compass insurance paying too much your coverage at dozens 1305 01:07:13.360 --> 01:07:14.360 of insurance companies. 1306 01:07:14.440 --> 01:07:17.039 Find out now three oh three seven to seven one help. 1307 01:07:17.199 --> 01:07:19.840 You'll think you're his only customer when you choose Frank 1308 01:07:19.920 --> 01:07:22.360 durand the real estate man dot com to list your 1309 01:07:22.400 --> 01:07:25.519 home with Remax Alliance three oh three nine two zero 1310 01:07:25.679 --> 01:07:42.519 sixteen twenty two. 1311 01:07:36.119 --> 01:07:38.840 Three oh three seven one three A two five five. Hey, listen, 1312 01:07:39.400 --> 01:07:42.960 John Clace, partner in lending dot com. John, If I 1313 01:07:43.000 --> 01:07:44.639 got to keep you over the break, I will, but 1314 01:07:44.719 --> 01:07:47.400 we got a caller Miles. Bottom line is this, his 1315 01:07:47.519 --> 01:07:50.880 parents have eight hundred thousand dollars in equity. The home's 1316 01:07:50.920 --> 01:07:54.719 worth about one one one two. They're gonna sell the home. 1317 01:07:54.760 --> 01:07:57.079 That's the ultimate goal to sell it in six months. 1318 01:07:57.199 --> 01:07:59.800 It's gonna take them six months to sell it because 1319 01:08:00.039 --> 01:08:03.519 it's got a lot of barns and garages, and it's 1320 01:08:03.559 --> 01:08:05.599 just got a lot of stuff. The parents are in 1321 01:08:05.639 --> 01:08:09.320 the eighties. They're moving into an assisted living facility. He 1322 01:08:09.480 --> 01:08:13.039 needs thirty thousand dollars for the next six months to 1323 01:08:13.159 --> 01:08:20.680 basically pay the assisted living facility while they're getting the 1324 01:08:20.720 --> 01:08:24.920 house ready to sell. I basically said, for someone like 1325 01:08:25.000 --> 01:08:28.159 me that does hard money loans occasionally to me, if 1326 01:08:28.199 --> 01:08:31.800 everything smelled right, I would charge basically five grand. It 1327 01:08:31.840 --> 01:08:34.880 would be a six month note, and I'd give them 1328 01:08:34.920 --> 01:08:36.960 the thirty grand. But you know that's going to be 1329 01:08:37.159 --> 01:08:40.920 what is that twenty to twenty five percent interest? So 1330 01:08:41.199 --> 01:08:43.920 I mean, but that's it. But any other ideas you have, 1331 01:08:44.319 --> 01:08:46.520 I mean I kind of gave you the scenario. I 1332 01:08:46.600 --> 01:08:48.720 figured even if they went in to get a he lock, 1333 01:08:48.800 --> 01:08:51.560 first of all, I think they'd qualify. But maybe, But 1334 01:08:51.680 --> 01:08:54.079 what ideas do you have and how much would the 1335 01:08:54.119 --> 01:08:56.960 closing costs be on those ideas, because like on a 1336 01:08:57.039 --> 01:08:59.720 reverse mortgage for six months, it's going to cost them 1337 01:08:59.760 --> 01:09:01.920 ten fifteen grand to do that easily. 1338 01:09:04.079 --> 01:09:06.319 Well, yeah, exactly what you just gave them. It is 1339 01:09:06.359 --> 01:09:08.640 actually a good deal because a lot of people won't 1340 01:09:08.680 --> 01:09:10.760 touch it under fifty thousand. 1341 01:09:10.359 --> 01:09:12.119 Puts it's not worth it too. 1342 01:09:14.199 --> 01:09:16.680 Yeah, and you know your typical loan on that is, 1343 01:09:17.159 --> 01:09:19.960 you know it's going to be you know, twelve thirteen 1344 01:09:20.000 --> 01:09:22.640 percent and three points up. Well, it's basically the same. 1345 01:09:22.520 --> 01:09:23.880 Deal you just told them. 1346 01:09:24.039 --> 01:09:25.960 Yeah, it's basically really the best option. 1347 01:09:25.840 --> 01:09:28.359 But they got to go through the qualifications and stuff. 1348 01:09:28.560 --> 01:09:30.520 Do you have other people that do that if I 1349 01:09:30.520 --> 01:09:32.479 didn't want to do it, you got to list the 1350 01:09:32.479 --> 01:09:33.880 hard money people you trust. 1351 01:09:35.720 --> 01:09:35.960 I do. 1352 01:09:36.119 --> 01:09:38.119 I do have some very good I bet people. 1353 01:09:38.159 --> 01:09:40.039 I bet we know some of the same people. Isn't 1354 01:09:40.039 --> 01:09:42.840 that funny? Hey, Miles, do you have any questions? Man? 1355 01:09:42.920 --> 01:09:45.479 And I'll love Kelly. I'll have Kelly give you my 1356 01:09:45.640 --> 01:09:48.520 information and you can reach out to John as well. Man. 1357 01:09:50.000 --> 01:09:54.399 Okay, yeah, because the facility gave me a place that 1358 01:09:54.479 --> 01:09:58.760 does bridgelians specifically for this kind of thing. Yeah, but 1359 01:09:59.079 --> 01:10:02.199 I think it's online. I don't really trust anybody. I'd 1360 01:10:02.239 --> 01:10:03.159 rather you know. 1361 01:10:03.880 --> 01:10:05.800 Well, it's all hold on, see now, I am going 1362 01:10:05.840 --> 01:10:07.760 to put you back on hold Miles, hold on, I 1363 01:10:07.840 --> 01:10:10.319 want to hear about ED. Get that website and I'll 1364 01:10:10.319 --> 01:10:12.640 look at it over the break. Kelly, get the website 1365 01:10:12.640 --> 01:10:15.760 from Miles. John. If you want to hang, please feel free. 1366 01:10:16.760 --> 01:10:20.039 Go with a sure thing Denver's best roofer Excel roofing 1367 01:10:20.159 --> 01:10:22.800 dot com. You don't pay a cent until you're content. 1368 01:10:26.159 --> 01:10:29.359 Time for an insurance check up free, no obligation. In comparison, 1369 01:10:29.479 --> 01:10:33.039 call Compass Insurance paying too much your coverage at dozens 1370 01:10:33.039 --> 01:10:35.760 of insurance companies find out now three oh three seven 1371 01:10:35.880 --> 01:10:38.680 seven to one help. You'll think you're his only customer 1372 01:10:38.720 --> 01:10:41.000 when you choose Frank durand the real estate Man dot 1373 01:10:41.000 --> 01:10:44.359 Com to list your home with Remax Alliance three oh 1374 01:10:44.359 --> 01:10:46.520 three nine two zero sixteen twenty two. 1375 01:10:52.079 --> 01:10:54.640 Riff News. 1376 01:10:56.560 --> 01:10:57.479 So you don't have. 1377 01:11:00.119 --> 01:11:00.439 Run in. 1378 01:11:00.640 --> 01:11:02.039 Just as fast as we can. 1379 01:11:02.920 --> 01:11:04.600 Shoot's gonna help. 1380 01:11:04.880 --> 01:11:07.680 Come man, This is. 1381 01:11:07.640 --> 01:11:12.119 The Troubleshooter Show. No, Tom Martinez, welcome my friends to 1382 01:11:12.199 --> 01:11:13.000 the Only Show. 1383 01:11:13.039 --> 01:11:15.239 If it's kind. We're here to solve problems, to answer questions, 1384 01:11:15.239 --> 01:11:18.199 our goals, to help you out. Maybe a bad landlord's 1385 01:11:18.199 --> 01:11:21.359 given you the business, as Wally Cleaver used to say, 1386 01:11:22.159 --> 01:11:24.880 maybe a contractor. In fact, I think we have a 1387 01:11:24.920 --> 01:11:27.520 contractor call coming up here in a second. But that's 1388 01:11:27.560 --> 01:11:30.199 what we do. We love getting involved, we love helping you. 1389 01:11:30.239 --> 01:11:33.000 We've got a great list of people at referral list 1390 01:11:33.039 --> 01:11:37.039 dot com, including attorneys that help us every single day 1391 01:11:37.560 --> 01:11:41.079 right here on this show. Hey, I still wanted to 1392 01:11:41.159 --> 01:11:45.520 get up Kelly. Maybe as we get a lull, well 1393 01:11:45.560 --> 01:11:47.319 forget if we get a lull or not, I definitely 1394 01:11:47.399 --> 01:11:49.920 want to bring him up. I want to get McKenzie up. 1395 01:11:50.920 --> 01:11:52.800 Just call him up. See what's a good time for 1396 01:11:53.000 --> 01:11:55.800 maybe twelve thirty ish or something, But tell him I've 1397 01:11:55.800 --> 01:11:59.520 got some questions on asset protection from a call we 1398 01:11:59.560 --> 01:12:02.880 took this morning. And that's very interesting stuff and it 1399 01:12:02.960 --> 01:12:05.439 provokes some thought in a lot of people that want 1400 01:12:05.479 --> 01:12:09.720 answers on it. So that'll be Dan McKenzie Attorney coming up. 1401 01:12:10.239 --> 01:12:13.279 And three three seven one three two five five. We've 1402 01:12:13.319 --> 01:12:15.199 got two lines open right now, by the way. This 1403 01:12:15.279 --> 01:12:19.560 hour brought to you, brought to you by Compass Insurance. 1404 01:12:19.600 --> 01:12:22.960 These guys help us basically every single day on the show. 1405 01:12:23.000 --> 01:12:25.720 They can also help you save money when it comes 1406 01:12:25.720 --> 01:12:28.920 to insurance. You know, they shop Susanna and I's insurance 1407 01:12:29.000 --> 01:12:32.880 every single year. Our car insurance, are our v insurance, 1408 01:12:33.119 --> 01:12:37.800 our motorcycle insurance, our homeowner's insurance. Man we have too 1409 01:12:37.840 --> 01:12:42.199 many insurances. But anyhow, they shop all the companies they 1410 01:12:42.239 --> 01:12:44.279 deal with every year to make sure we're having the 1411 01:12:44.359 --> 01:12:47.199 best discount. They also make sure our house is staying 1412 01:12:47.239 --> 01:12:50.039 covered properly. A lot of people are undervalued. If you 1413 01:12:50.079 --> 01:12:52.840 haven't checked the value of your house compared to what 1414 01:12:52.960 --> 01:12:57.680 you actually have it insured for, you might be unpleasantly surprised. 1415 01:12:58.119 --> 01:13:01.520 So please please please give these guys a call. Go 1416 01:13:01.600 --> 01:13:05.319 to Compassinsurance dot Com and tell them to run the numbers. 1417 01:13:05.319 --> 01:13:09.680 That's its simple as that, Compass Insurance dot Com. Now, 1418 01:13:10.199 --> 01:13:12.960 let me see who's been holding the longest. And I 1419 01:13:13.039 --> 01:13:15.279 really do appreciate people when you call up and hold. 1420 01:13:15.279 --> 01:13:16.800 I know it can be a pain in the ass, 1421 01:13:17.359 --> 01:13:19.600 but really we do want to help you. So Keith's 1422 01:13:19.640 --> 01:13:22.439 got an issue, and then Teresa your next three h 1423 01:13:22.520 --> 01:13:26.119 three Martino two lines open. Hey, Keith, what is going 1424 01:13:26.159 --> 01:13:29.199 on with this contractor it looks like something to do 1425 01:13:29.239 --> 01:13:30.119 with your basement. 1426 01:13:32.760 --> 01:13:35.800 Yes, Hi, thanks for taking my call on court. 1427 01:13:35.920 --> 01:13:36.760 I really appreciate it. 1428 01:13:36.800 --> 01:13:40.920 I've I'm in the process of doing a basement finish, 1429 01:13:40.960 --> 01:13:45.720 but I'm doing it in phases. My first phase consists 1430 01:13:45.760 --> 01:13:48.880 of one bedroom in a living area in the basement 1431 01:13:48.960 --> 01:13:49.199 at the. 1432 01:13:49.159 --> 01:13:49.960 Base of the stairs. 1433 01:13:50.000 --> 01:13:53.239 Basically, it's it's kind of a large space, so I'm 1434 01:13:53.239 --> 01:13:56.960 doing about about six hundred and forty square feet. It's 1435 01:13:57.000 --> 01:13:59.840 been framed up. I've got the mechanical and the electrical, 1436 01:14:00.000 --> 01:14:02.840 so I've got all my rough inspections done. I've moved 1437 01:14:02.880 --> 01:14:05.279 on to the insulation, and that's kind of where the 1438 01:14:05.319 --> 01:14:06.319 hiccup starts. 1439 01:14:07.439 --> 01:14:10.600 I've got the insulation up in the. 1440 01:14:10.079 --> 01:14:14.039 Area that I'm doing Phase one finishing on and when 1441 01:14:14.079 --> 01:14:17.359 the insulation inspector came for that before I can move 1442 01:14:17.359 --> 01:14:22.399 on to drywall, they failed me on the insulation, requesting 1443 01:14:22.760 --> 01:14:26.960 that I do continual insulation throughout the remaining portion of 1444 01:14:27.000 --> 01:14:30.680 the basement that's going to add on. Like I said, 1445 01:14:30.680 --> 01:14:33.239 it's keep in mind it's a large basement that's going 1446 01:14:33.319 --> 01:14:36.439 to add on about ten thousand dollars Keith, and extra 1447 01:14:36.560 --> 01:14:38.039 cost that I was out budgeted. 1448 01:14:38.159 --> 01:14:41.359 Hey, Keith, I want to understand something on the layout. 1449 01:14:41.439 --> 01:14:43.600 You said it's framed in. Is it just that six 1450 01:14:43.680 --> 01:14:46.680 hundred square feet framed in or when you had the 1451 01:14:46.760 --> 01:14:49.800 framers come in, or if you did it yourself, did 1452 01:14:49.840 --> 01:14:52.560 you actually frame the entire basement or just at six 1453 01:14:52.600 --> 01:14:53.479 hundred feet we're. 1454 01:14:53.319 --> 01:14:54.199 Talking about. 1455 01:14:55.479 --> 01:14:58.119 Just the six hundred feet we're talking and they're basically 1456 01:14:58.199 --> 01:14:59.279 saying untouched. 1457 01:15:00.039 --> 01:15:02.119 You would have to go in and frame the rest. 1458 01:15:02.399 --> 01:15:04.279 Is it a walk out by the way or just cement. 1459 01:15:06.239 --> 01:15:08.840 It's cement, so you would have to go up and 1460 01:15:08.880 --> 01:15:12.920 basically frame the rest of the basement, and then they 1461 01:15:13.239 --> 01:15:15.600 you wouldn't have to finish it. But I'm just trying 1462 01:15:15.600 --> 01:15:18.760 to understand this. If you just framed the rest. Forget 1463 01:15:18.760 --> 01:15:22.840 about finishing the rest that you're saying would cost ten 1464 01:15:22.880 --> 01:15:25.720 grand plus the insulation, or he's not even giving you 1465 01:15:25.840 --> 01:15:26.359 that option. 1466 01:15:28.920 --> 01:15:32.000 No, that's what he's requested me to do. I'm saying, 1467 01:15:32.079 --> 01:15:32.920 not even framing. 1468 01:15:33.000 --> 01:15:36.680 If I were to just put up a continual insulation, yeah, 1469 01:15:36.920 --> 01:15:38.760 fell insulation. 1470 01:15:38.800 --> 01:15:42.439 And oh, because I'm sorry you're not doing would so 1471 01:15:42.600 --> 01:15:45.199 even if you just put up like the blanket insulation 1472 01:15:45.640 --> 01:15:48.439 going on the wall, that would really cost that much more. 1473 01:15:49.840 --> 01:15:51.119 About ninety bucks. 1474 01:15:51.479 --> 01:15:55.000 Wow. Wow, I didn't realize that stuff is so expensive. 1475 01:15:55.880 --> 01:16:02.239 What county are you in? It's in Adam's very interesting. 1476 01:16:02.359 --> 01:16:04.399 He wants you to do the whole thing. Did he 1477 01:16:04.560 --> 01:16:07.119 point to where it says that in the code? I mean, 1478 01:16:07.680 --> 01:16:09.920 is it purely just a code issue and you're not 1479 01:16:09.960 --> 01:16:12.520 going to get around it? Or are you actually trying 1480 01:16:12.560 --> 01:16:14.159 to argue with him? 1481 01:16:15.520 --> 01:16:17.720 So I put a call in great question. I put 1482 01:16:17.760 --> 01:16:20.159 a call into him for him to call me back, 1483 01:16:20.640 --> 01:16:22.760 and I've been ghosted. They're not calling me back. 1484 01:16:22.840 --> 01:16:27.600 Hey, Kelly, let's get Mark Schamansky on. I know Mark's 1485 01:16:27.640 --> 01:16:33.960 done a ton of basements and remodels in Adams County. 1486 01:16:34.199 --> 01:16:36.960 That's where it brought me to the residential So the 1487 01:16:36.960 --> 01:16:38.439 international Resibudhill code. 1488 01:16:38.520 --> 01:16:41.880 Yeah, but that doesn't matter international listen, Keith, it doesn't 1489 01:16:41.880 --> 01:16:45.039 matter what international code says. Well, I'll take that back. 1490 01:16:45.079 --> 01:16:48.520 If international code says you have to do the entire thing, 1491 01:16:48.880 --> 01:16:51.079 then I'm going to agree with you one hundred percent. 1492 01:16:51.119 --> 01:16:53.520 It's relevant. But if it says you don't have to 1493 01:16:53.560 --> 01:16:56.560 do the entire thing, that doesn't mean anything. If Adams 1494 01:16:56.640 --> 01:17:01.000 County makes you do it, you follow, okay, And that's 1495 01:17:01.000 --> 01:17:01.439 what it does. 1496 01:17:01.640 --> 01:17:03.560 That's where that's why I'm calling you, because it does 1497 01:17:03.640 --> 01:17:06.760 actually stay that if you're if you don't touch anything 1498 01:17:06.800 --> 01:17:09.319 on the on the existing portion, that does not have. 1499 01:17:09.239 --> 01:17:10.199 To be brought up to code. 1500 01:17:10.239 --> 01:17:14.039 Yeah, and see Adams County. Actually Adams County can have 1501 01:17:14.119 --> 01:17:16.760 different code in there. But I'll tell you what. We're 1502 01:17:16.760 --> 01:17:19.399 going to get Mark or one of our contractors on 1503 01:17:20.039 --> 01:17:21.880 and we're going to figure it out with you man. 1504 01:17:22.000 --> 01:17:24.319 In fact, they could probably even look up the code. 1505 01:17:24.399 --> 01:17:28.760 I think Shamansky will probably know the answer right off 1506 01:17:28.840 --> 01:17:34.920 the bat. What what municipality are you in? It's Brighten 1507 01:17:35.399 --> 01:17:37.680 and are you doing the work yourself? I am curious 1508 01:17:37.920 --> 01:17:39.600 did you do the framing? Are you going to do 1509 01:17:39.640 --> 01:17:44.520 the finishing. You're going to do the drywalls, so I. 1510 01:17:44.399 --> 01:17:47.399 Have I have framers and I have drywallers. Oh cool, 1511 01:17:47.399 --> 01:17:49.720 But I did the mechanical and the insulation. 1512 01:17:50.119 --> 01:17:51.520 Nice Who did the electrical? 1513 01:17:53.560 --> 01:17:54.880 I have an electrician as well. 1514 01:17:54.920 --> 01:17:57.079 All right, cool, that's cool. Did you what did you 1515 01:17:57.159 --> 01:18:01.520 do for HVAC? Those kind of uh, those big what 1516 01:18:01.560 --> 01:18:02.159 do you call him? 1517 01:18:02.159 --> 01:18:02.279 There? 1518 01:18:02.479 --> 01:18:04.640 I don't know the technical name, but it's not just 1519 01:18:04.840 --> 01:18:08.239 duct work. It's basically like well, it's definitely duckwork, but 1520 01:18:08.279 --> 01:18:11.039 it's not the old aluminum stuff. It's the stuff you 1521 01:18:11.079 --> 01:18:12.560 can bend and twist everywhere. 1522 01:18:14.479 --> 01:18:15.880 Well, no, I didn't do any of that. I did 1523 01:18:15.960 --> 01:18:16.640 hard pipe. I did. 1524 01:18:16.800 --> 01:18:19.000 I did the hard pipe. I'm not a big fan 1525 01:18:19.079 --> 01:18:20.199 of the flex And. 1526 01:18:20.359 --> 01:18:22.880 What kind of egress window did you do? That must 1527 01:18:22.920 --> 01:18:23.840 have cost some bucks. 1528 01:18:25.640 --> 01:18:28.840 So that's the great part is is there was actually 1529 01:18:29.239 --> 01:18:31.399 three egress windows already into the home. 1530 01:18:31.600 --> 01:18:33.319 Oh wow, I don't have to do anything with those. 1531 01:18:33.439 --> 01:18:35.560 You probably got to put a certain like a ladder 1532 01:18:35.680 --> 01:18:37.760 or something on him. But hold on, here's our export 1533 01:18:37.840 --> 01:18:42.520 march manscra Hey Mark with Genesis Total Exteriors. Mark. He's 1534 01:18:42.560 --> 01:18:44.319 done a ton of work at our house. In fact, 1535 01:18:44.680 --> 01:18:46.680 if you're back in town Mark. You need to get 1536 01:18:46.680 --> 01:18:50.239 over there, hopefully next week or the weekend so Suzanne 1537 01:18:50.279 --> 01:18:53.039 and I can get finished up on the projects you're 1538 01:18:53.079 --> 01:18:55.840 doing for us. But Keith's got a question. Man, it's 1539 01:18:55.840 --> 01:19:00.920 pretty interesting. He passed electrical mechanical the base. It's been framed, 1540 01:19:00.920 --> 01:19:03.960 but it's only six hundred feet. He's basically putting a 1541 01:19:03.960 --> 01:19:07.159 bedroom down there. So he's doing just six hundred feet 1542 01:19:07.159 --> 01:19:11.880 in the basement and everything has passed so far, and 1543 01:19:11.920 --> 01:19:14.720 he's to the point where insallation's in, so he had 1544 01:19:14.760 --> 01:19:19.239 the insulation put in. The guy gets there from Adams 1545 01:19:19.239 --> 01:19:21.600 County and basically says, nope, I'm going to fail you 1546 01:19:21.640 --> 01:19:25.039 on insulation because you need to do the entire basement. 1547 01:19:25.319 --> 01:19:29.640 So remember though, he's only doing this one bedroom down there. 1548 01:19:29.720 --> 01:19:32.600 So hey, Keith, real quick, how big is the entire basement? 1549 01:19:34.720 --> 01:19:37.000 The rest of it's about fourteen hundred square. 1550 01:19:36.760 --> 01:19:39.399 Feet, so he's got a two thousand square foot basement. 1551 01:19:39.479 --> 01:19:42.600 He's doing a six hundred foot bedroom down there, and 1552 01:19:42.640 --> 01:19:47.119 this guy failed him on insulation. Keith actually looked at 1553 01:19:47.760 --> 01:19:51.960 a few different things that come to international code or 1554 01:19:52.079 --> 01:19:54.479 national code, whatever you want to call it, and it 1555 01:19:54.520 --> 01:19:57.119 doesn't call for that long as you're not doing anything 1556 01:19:57.159 --> 01:19:59.439 for the other areas. But do you know if Adams 1557 01:19:59.439 --> 01:20:02.439 County is, if this, if this inspectors correct, what do 1558 01:20:02.479 --> 01:20:03.199 you know about it? 1559 01:20:04.439 --> 01:20:07.479 Well, so you know, every city and county is different. 1560 01:20:07.960 --> 01:20:11.359 And you know, it's funny because we just did a 1561 01:20:11.399 --> 01:20:14.199 remodel of the whole house and they weren't concerned about 1562 01:20:14.199 --> 01:20:15.840 the rest of the house even though everything was on 1563 01:20:15.960 --> 01:20:18.680 a code on there. Yeah, and for him, for that 1564 01:20:18.720 --> 01:20:21.920 inspector to you know that, to me, it's just not right. 1565 01:20:21.960 --> 01:20:25.159 They're overstepping their bounds. I would I would contact the 1566 01:20:25.199 --> 01:20:27.640 head of Inspections or the head of the county building 1567 01:20:27.680 --> 01:20:30.399 department and have a conversation with him and ask for 1568 01:20:30.479 --> 01:20:33.039 exemption of or not have to do this. They you know, 1569 01:20:33.079 --> 01:20:34.960 we're not working, they're not we're not using it as 1570 01:20:35.000 --> 01:20:38.199 a livable space, you know, Yeah, just holding our our 1571 01:20:38.439 --> 01:20:41.279 boxes and our Christmas trees and stuff. We don't need 1572 01:20:41.319 --> 01:20:43.279 it insulated. We're not going to you know, put extra 1573 01:20:43.319 --> 01:20:44.720 heat down there, just in the bedroom. 1574 01:20:44.920 --> 01:20:48.800 So basically file what you're saying is to file an appeal, 1575 01:20:49.079 --> 01:20:52.159 a grievance, a grievance could you mark, can you do 1576 01:20:52.239 --> 01:20:54.439 something for us? You don't have to do it right now, 1577 01:20:54.800 --> 01:20:58.039 but I would love to know if that building code, 1578 01:20:58.079 --> 01:21:01.680 why this guy is failing it, if that's actually part 1579 01:21:01.720 --> 01:21:05.199 of Adams County or whatever municipality. And then in the 1580 01:21:05.319 --> 01:21:08.880 follow up question to both of you, I assume you 1581 01:21:08.960 --> 01:21:11.479 walk down the stairs into the basement. Do you walk 1582 01:21:11.600 --> 01:21:15.399 down Keith, into a big empty areas and like back 1583 01:21:15.399 --> 01:21:19.000 in the corner is what we're talking about. 1584 01:21:19.840 --> 01:21:21.680 So that's what I finished. 1585 01:21:21.800 --> 01:21:23.800 When you walk down the stairs, that's going to be 1586 01:21:23.960 --> 01:21:24.960 like a living area. 1587 01:21:25.119 --> 01:21:26.319 Yeah, part of the finish. 1588 01:21:26.479 --> 01:21:29.000 See I don't get that at all, then Mark, I 1589 01:21:29.439 --> 01:21:32.399 agree with Mark. I started thinking if you walk down 1590 01:21:32.439 --> 01:21:36.279 and you're just at a cement floor, no insulation, and 1591 01:21:36.319 --> 01:21:39.279 there's a room way over in the corner, I'm going 1592 01:21:39.399 --> 01:21:41.479 maybe I get where this guy's coming from. 1593 01:21:41.520 --> 01:21:45.159 But that's not the case, right, Yeah, I put in 1594 01:21:45.159 --> 01:21:46.800 all mechanical work. 1595 01:21:47.800 --> 01:21:50.319 Go ahead, Yeah, go ahead, don't go ahead? 1596 01:21:50.760 --> 01:21:51.520 Yeah go Keith. 1597 01:21:51.800 --> 01:21:55.319 Yeah, where I actually where I actually put in mechanical work. 1598 01:21:55.680 --> 01:21:57.880 That is all been insulated. That's going to be the 1599 01:21:57.880 --> 01:22:01.079 living area and the bedroom that's down there. The mechanicals 1600 01:22:01.119 --> 01:22:03.039 all closed off there at the to the right of 1601 01:22:03.039 --> 01:22:05.840 the stairs, and all the unfinished. Is also got a 1602 01:22:05.880 --> 01:22:08.359 temporary wall that's going to have an actual closing door. 1603 01:22:08.600 --> 01:22:11.359 There's no mechanical runs into that. 1604 01:22:11.479 --> 01:22:12.880 I get it, there, you. 1605 01:22:13.079 --> 01:22:15.800 I get it or after, So I would do that. 1606 01:22:15.880 --> 01:22:16.800 So Mark, what do they? 1607 01:22:16.880 --> 01:22:17.159 What is? 1608 01:22:17.279 --> 01:22:19.680 What should he literally do? First? You said to call 1609 01:22:19.720 --> 01:22:23.079 the guy's boss, which I would do Keith or even 1610 01:22:23.359 --> 01:22:25.520 you know what, I would do nicely because you told 1611 01:22:25.520 --> 01:22:27.640 me the guy just like drop you. He's not calling 1612 01:22:27.680 --> 01:22:31.039 you back. I would actually leave them one more message, 1613 01:22:31.079 --> 01:22:33.520 and I'd be really nice. I'd be like, you know, 1614 01:22:33.640 --> 01:22:36.399 I've left you a few messages. I'm trying to understand this, 1615 01:22:37.119 --> 01:22:39.119 but I got to get resolutions. So I'm going to 1616 01:22:39.159 --> 01:22:41.800 try to reach out to your boss or someone, but 1617 01:22:41.840 --> 01:22:43.319 be nice about it. Go ahead. 1618 01:22:43.359 --> 01:22:45.560 That's where I did. That's where I did get to 1619 01:22:45.760 --> 01:22:48.520 I did. I did leave a message for his boss, and. 1620 01:22:48.479 --> 01:22:52.119 You haven't got a call back there return, Hey, Deputy Doc, 1621 01:22:52.199 --> 01:22:54.840 you want to call over and ruffle some feathers, I mean, 1622 01:22:54.880 --> 01:22:56.600 do it in a nice way, but call over to 1623 01:22:56.640 --> 01:23:00.560 Adams County, get Keith's information, and let's try to help 1624 01:23:00.640 --> 01:23:03.880 him through this. You good with this? Stock, Yeah, so 1625 01:23:03.960 --> 01:23:06.159 we're going to do that. But then Mark, is there 1626 01:23:06.279 --> 01:23:09.680 somewhere actually on the website to file that grievance that 1627 01:23:09.720 --> 01:23:12.199 you know about, What exactly do you do? 1628 01:23:12.479 --> 01:23:14.600 I would another thing you can do is just go 1629 01:23:14.680 --> 01:23:17.039 down there and just say, hey, I needed to talk 1630 01:23:17.079 --> 01:23:20.319 to ahead of the building department. Here's my situation. You know, 1631 01:23:20.800 --> 01:23:23.039 maybe eventually you're going to finish the whole basement, but 1632 01:23:23.079 --> 01:23:25.880 it's not in my budget right now. Let's let's get 1633 01:23:25.880 --> 01:23:28.439 this approved. I mean, they should be reasonable. 1634 01:23:28.600 --> 01:23:31.439 Let's say if it is part of code, Mark, and 1635 01:23:31.520 --> 01:23:33.600 I am assuming it is. I'm assuming this guy is 1636 01:23:33.760 --> 01:23:36.199 just not going rogue for no reason. But let's say 1637 01:23:36.199 --> 01:23:39.720 it is. Typically you could get a variance on that. 1638 01:23:39.760 --> 01:23:41.880 Wouldn't you think on something like this we. 1639 01:23:41.880 --> 01:23:43.800 Should be able to and you know, give me a 1640 01:23:43.920 --> 01:23:45.279 give me a half hour and so and I'll see 1641 01:23:45.279 --> 01:23:47.079 if I can get a true answer on that for you. 1642 01:23:47.520 --> 01:23:50.399 Hey, so, Keith, hold on, Keith, I want to make 1643 01:23:50.399 --> 01:23:53.000 sure we have all your information. Deputy Doc's going to 1644 01:23:53.039 --> 01:23:56.439 grab that. He's going to call over there to Adams County. Meantime, 1645 01:23:56.479 --> 01:23:58.479 Mark's going to look up and figure out the exact 1646 01:23:58.520 --> 01:24:01.520 building code for you there, and let's see if this 1647 01:24:01.560 --> 01:24:02.479 guy has anything. 1648 01:24:04.600 --> 01:24:06.319 Okay, all right. I appreciate your help, guys. 1649 01:24:06.399 --> 01:24:08.680 Yeah, you hold on, hold on, hey, Mark, let me 1650 01:24:08.720 --> 01:24:10.560 ask you real quick. I had to put him on 1651 01:24:10.640 --> 01:24:15.079 hold a couple things. One, what are you guys going 1652 01:24:15.159 --> 01:24:17.039 to be doing in the next month? Man? You know, 1653 01:24:17.279 --> 01:24:19.199 I actually had a little bit of snow if you 1654 01:24:19.199 --> 01:24:21.960 can believe that in frank Down overnight, which is crazy. 1655 01:24:22.199 --> 01:24:25.159 But honestly, it's beautiful out now, and it's been beautiful 1656 01:24:25.199 --> 01:24:28.199 for a while. I doubt we're getting that big April dump. 1657 01:24:28.239 --> 01:24:30.600 But even if we do, what are you guys going 1658 01:24:30.640 --> 01:24:34.319 to be concentrating on? I mean, Genesis exteriors. Is it 1659 01:24:34.359 --> 01:24:37.840 time for everybody to start getting bids on decks getting 1660 01:24:37.880 --> 01:24:40.359 their house painted? I mean, what is your call in 1661 01:24:40.399 --> 01:24:42.720 April and May? What floods you guys? 1662 01:24:43.640 --> 01:24:45.840 I'll tell you what. The most most calls we get 1663 01:24:45.920 --> 01:24:48.840 right now are there paint is because you know, I 1664 01:24:48.840 --> 01:24:50.720 have to go through the winds all saying whoh my 1665 01:24:50.800 --> 01:24:52.960 house is on looking so good because winter is really 1666 01:24:52.960 --> 01:24:56.159 really tough on paint big and so people are calling 1667 01:24:56.199 --> 01:24:57.520 and say, hey, can you come take a look to 1668 01:24:57.680 --> 01:24:59.920 paint our house? So that is a big one right now, 1669 01:25:00.359 --> 01:25:02.159 and I think you know, we're only a month away 1670 01:25:02.199 --> 01:25:04.279 from starting to be able to paint outside too, So 1671 01:25:04.640 --> 01:25:07.399 it's ready to start calling to get estimates. 1672 01:25:07.439 --> 01:25:10.399 Yes, sure, get them guys. And because he brought painting up, 1673 01:25:10.439 --> 01:25:13.239 I'll tell everybody listening. Look, they did the exterior of 1674 01:25:13.279 --> 01:25:17.640 our house. It's spent probably four or five years, absolutely beautiful. 1675 01:25:17.840 --> 01:25:20.479 He brought a color expert to scout, came out with 1676 01:25:20.600 --> 01:25:22.840 him and talked to my wife and they looked at 1677 01:25:22.880 --> 01:25:25.800 the color of our like our r V garage and 1678 01:25:26.119 --> 01:25:28.479 our barn, and kind of put the whole thing together 1679 01:25:28.560 --> 01:25:30.920 and came up with the right color. And we wouldn't 1680 01:25:30.920 --> 01:25:32.880 have never chose that color, but it was the best 1681 01:25:32.920 --> 01:25:35.680 thing ever. And in fact, remember I said at the 1682 01:25:35.720 --> 01:25:39.199 beginning of Mark coming on air, I need him out 1683 01:25:39.239 --> 01:25:42.319 next week. They're going to paint the entire interior of 1684 01:25:42.359 --> 01:25:47.439 our house. So yeah, these guys unbelievable interior exterior. He's 1685 01:25:47.479 --> 01:25:50.359 got one of the best painters. I always forget his name, 1686 01:25:50.399 --> 01:25:52.720 but he's worked for Mark for twenty years. What's his name? 1687 01:25:56.239 --> 01:25:57.680 Diaries is who he had come out to. 1688 01:25:57.960 --> 01:26:00.800 No, no, no, who was your actual omar? 1689 01:26:00.960 --> 01:26:02.359 Omar was your paint I know. 1690 01:26:02.399 --> 01:26:04.279 I swear to God if he listens to the show. 1691 01:26:04.319 --> 01:26:06.439 He's got to hate me because I always forget his name. 1692 01:26:06.680 --> 01:26:09.720 But it's unbelievable, Mark. The exterior still looks brand new. 1693 01:26:09.880 --> 01:26:12.399 Anytime I've had anything after Winner, I hit it with 1694 01:26:12.479 --> 01:26:16.000 the powerwasher, like on forty five PSI. It looks brand new, 1695 01:26:16.039 --> 01:26:18.239 like you just did it. But get the quotes on 1696 01:26:18.279 --> 01:26:20.720 the decks, get whatever quotes you want. These guys do 1697 01:26:20.840 --> 01:26:25.039 it all. That's Mark Schamansky. He's the owner Genesis Total Exteriors. 1698 01:26:25.399 --> 01:26:29.479 As in the beginning Genesis, these guys are absolutely wonderful. 1699 01:26:29.560 --> 01:26:32.880 Genesis Total Exteriors dot Com three oh three, six seven 1700 01:26:33.000 --> 01:26:35.920 nine eighty five oh nine. Mark, I appreciate you looking 1701 01:26:35.960 --> 01:26:38.760 into Adams County. Text me or call back with the 1702 01:26:38.800 --> 01:26:40.760 information as soon as you get it. I'd love it. 1703 01:26:41.159 --> 01:26:44.880 That's what our referral list members do. They help people 1704 01:26:45.279 --> 01:26:57.640 like you. Keith and Medina hang type. 1705 01:26:54.039 --> 01:26:57.319 Go with a sure thing Denver's Best Rufer excel Roofing 1706 01:26:57.399 --> 01:27:00.000 dot com. You don't pay a cent until you're contents. 1707 01:27:03.399 --> 01:27:06.600 Time for an insurance check up free, no obligation. In comparison, 1708 01:27:06.720 --> 01:27:10.279 call Compass Insurance. Pay too much your coverage at dozens 1709 01:27:10.319 --> 01:27:13.039 of insurance companies find out now three all three seven 1710 01:27:13.039 --> 01:27:13.640 to seven to one. 1711 01:27:13.720 --> 01:27:14.000 Help. 1712 01:27:14.159 --> 01:27:16.800 You'll think you're his only customer when you choose Frank 1713 01:27:16.880 --> 01:27:19.319 durand the real estate man dot Com to list your 1714 01:27:19.359 --> 01:27:22.520 home with Remax Alliance three all three nine two zero 1715 01:27:22.600 --> 01:27:23.800 sixteen twenty two. 1716 01:27:26.600 --> 01:27:29.479 All right, three oh three seven one three eight two 1717 01:27:30.479 --> 01:27:34.000 five five Fix it twenty four to seven thirty nine bucks. Look, 1718 01:27:34.600 --> 01:27:36.840 get them out there, get that ac, get it clean. 1719 01:27:36.880 --> 01:27:39.640 They're gonna tear everything apart, including the blower motor in 1720 01:27:39.680 --> 01:27:43.079 that furnace, and clean it up and get that condenser outside. 1721 01:27:43.159 --> 01:27:45.880 Think of all that snow and rain and sleet and 1722 01:27:45.960 --> 01:27:48.079 hail and everything that's hit that thing in the last 1723 01:27:48.079 --> 01:27:50.800 four or five months. They'll come out for thirty nine 1724 01:27:50.800 --> 01:27:53.840 bucks for first time customers and get it clean. You're 1725 01:27:53.840 --> 01:27:56.680 gonna absolutely love it, and you're not gonna beat that 1726 01:27:56.760 --> 01:28:00.000 deal anywhere. No, it's not a sales job. They're gonna 1727 01:28:00.119 --> 01:28:02.319 come out. They're going to put a no breakdown guarantee 1728 01:28:02.319 --> 01:28:05.199 on it when they're done and make sure it's ready 1729 01:28:05.239 --> 01:28:08.560 for summer coming up. They do it because in the future, 1730 01:28:08.720 --> 01:28:11.439 you know that furnace breaks, the AC breaks, you need 1731 01:28:11.479 --> 01:28:15.399 electrical work, you need plumbing services, you need drain cleaning. 1732 01:28:15.439 --> 01:28:18.279 They do all that. They want to introduce these great 1733 01:28:18.359 --> 01:28:20.199 texts and give you a deal. They can't be beat. 1734 01:28:20.640 --> 01:28:22.239 Thirty nine bucks are going to spend an hour and 1735 01:28:22.279 --> 01:28:24.760 a half two hours. You probably see the commercials with 1736 01:28:24.840 --> 01:28:28.000 Tom on TV as well, but check them out. Fixmihome 1737 01:28:28.119 --> 01:28:31.600 dot com, get set up right now, Fix my home 1738 01:28:32.199 --> 01:28:38.399 dot com. Now we're going to go to Teresa has 1739 01:28:38.479 --> 01:28:42.239 a problem with AT and T. Hey, Kelly, I would 1740 01:28:42.319 --> 01:28:44.960 like to get Dan on too. Did you reach out 1741 01:28:45.000 --> 01:28:48.520 to McKenzie? I would like to get him on with 1742 01:28:48.560 --> 01:28:53.720 some asset protection questions that came up of a insurance 1743 01:28:53.760 --> 01:28:57.039 call this morning. Teresa, what is going on with AT 1744 01:28:57.199 --> 01:28:57.560 and T? 1745 01:28:58.560 --> 01:29:02.399 Well Mark? I sent him a an email with final 1746 01:29:02.520 --> 01:29:06.239 notice documentations from AT and T. I was with AT 1747 01:29:06.399 --> 01:29:11.399 and T for twenty seven years, and I stopped service 1748 01:29:11.479 --> 01:29:16.039 with them September last year, paid off our two phones, 1749 01:29:16.159 --> 01:29:20.800 and paid my final bill. Recently, just a couple of 1750 01:29:20.840 --> 01:29:27.359 weeks ago, I received the first letter stating that I 1751 01:29:27.399 --> 01:29:29.880 owe one hundred and eighty dollars and forty six cents 1752 01:29:30.159 --> 01:29:35.039 on this particular account number, noted the account number is 1753 01:29:35.079 --> 01:29:39.399 not my account number. And then if you have questions 1754 01:29:39.439 --> 01:29:43.199 to please call this number or when I've called the number, uh, 1755 01:29:43.439 --> 01:29:45.960 it states and my email. 1756 01:29:45.640 --> 01:29:46.479 It states. 1757 01:29:47.960 --> 01:29:50.600 That this account is managed by an AT and T 1758 01:29:50.720 --> 01:29:55.840 resiler reseller and that I need to contact reseller or 1759 01:29:56.039 --> 01:29:56.840 current provider. 1760 01:29:57.560 --> 01:29:57.600 Me. 1761 01:29:57.680 --> 01:30:01.239 Don't let me. Let me just ask one question real quick. 1762 01:30:01.640 --> 01:30:07.039 Did I hear you correctly that you emailed us something? Yes, Kelly, 1763 01:30:07.239 --> 01:30:09.159 can you send that over to me look through the 1764 01:30:09.199 --> 01:30:11.800 help I'd like to look at it at least on 1765 01:30:11.880 --> 01:30:12.479 the next break. 1766 01:30:12.560 --> 01:30:15.439 I'm Teresa regarding AT and T. If I don't notice, yeah, 1767 01:30:15.439 --> 01:30:15.840 I'll get. 1768 01:30:15.800 --> 01:30:17.239 I'll get it turned the break and look at it. 1769 01:30:17.279 --> 01:30:19.920 But let me ask you something, Teresa. First of all, 1770 01:30:20.000 --> 01:30:22.880 I think this whole thing sucks for without even knowing 1771 01:30:22.920 --> 01:30:25.279 anything about it. I hate when you're loyal to a 1772 01:30:25.359 --> 01:30:28.279 company for so long that they treat you like crap. 1773 01:30:28.520 --> 01:30:31.600 And I don't care if it's Comcast, AT and T, Sprint, 1774 01:30:31.880 --> 01:30:34.000 they all seem to do it these days. It's just 1775 01:30:34.039 --> 01:30:37.560 par for the course. So when AT and T told 1776 01:30:37.600 --> 01:30:40.359 you it has nothing to do with them, it's this reseller, 1777 01:30:40.600 --> 01:30:41.960 did you call the reseller? 1778 01:30:42.640 --> 01:30:45.199 I don't know who it is. I have no idea 1779 01:30:45.239 --> 01:30:47.640 who it is. I can't get through to a number. 1780 01:30:49.840 --> 01:30:51.600 Well, let me ask you this, Why are you even 1781 01:30:51.640 --> 01:30:54.000 worried about it at this point? Isn't it so? At 1782 01:30:54.119 --> 01:30:55.880 and T is saying you don't know him and Nickel? 1783 01:30:55.960 --> 01:31:00.319 Right, well, well that was back in September when I 1784 01:31:00.359 --> 01:31:03.439 paid everything off. Yeah, but I'm saying and a count 1785 01:31:03.479 --> 01:31:04.079 is closed. 1786 01:31:04.840 --> 01:31:08.279 But Teresa, I'm not trying to make this complicated. So 1787 01:31:08.359 --> 01:31:12.399 what I'm saying is, right now, I understand the reseller 1788 01:31:12.479 --> 01:31:14.920 whoever it is, is saying some money is owed or 1789 01:31:15.000 --> 01:31:17.199 at and T is telling you you owe money to 1790 01:31:17.279 --> 01:31:19.720 the reseller. But my question to you is do you 1791 01:31:19.840 --> 01:31:21.439 owe AT and T any money? 1792 01:31:21.720 --> 01:31:21.880 No? 1793 01:31:22.720 --> 01:31:24.880 Okay? And they acknowledge that, right. 1794 01:31:25.359 --> 01:31:27.680 Well, yes, yes they do. 1795 01:31:27.800 --> 01:31:32.319 Okay, Well just yeah, that's doc. That's kind of where 1796 01:31:32.319 --> 01:31:35.359 I'm going. But I'm trying to figure out, so Teresa, 1797 01:31:35.640 --> 01:31:38.399 they're they're like sending you an email or a bill, 1798 01:31:38.479 --> 01:31:39.960 what kind of notifications? 1799 01:31:40.239 --> 01:31:42.880 It's a letter in the two letters in the mail. 1800 01:31:43.439 --> 01:31:45.640 And that's what you sent me, right, That's what I said. 1801 01:31:45.640 --> 01:31:47.279 All right, hold on, let me get you on hold 1802 01:31:47.319 --> 01:31:49.800 take this. I'm going to look at it during the break. 1803 01:31:50.199 --> 01:31:53.720 Then we have a U haul issue. Oh man, I 1804 01:31:53.760 --> 01:31:56.760 hope it doesn't involve you haul insurance. Everybody, hold tight. 1805 01:31:56.920 --> 01:31:59.079 We're going to have two lines open eventually. Three oh 1806 01:31:59.199 --> 01:32:02.079 three seven one three A two five five. I'd love 1807 01:32:02.119 --> 01:32:04.000 to hear from you. Three oh three Martino. 1808 01:32:04.640 --> 01:32:05.319 How's you can. 1809 01:32:09.199 --> 01:32:12.439 Go with a sure thing Denver's best roofer Excel Roofing 1810 01:32:12.560 --> 01:32:15.199 dot com. You don't pay a cent until you're content 1811 01:32:16.119 --> 01:32:21.039 than time for an insurance check up free, no obligation 1812 01:32:21.159 --> 01:32:25.039 comparison call Compass Insurance paying too much your coverage at 1813 01:32:25.079 --> 01:32:27.840 dozens of insurance companies find out now three oh three 1814 01:32:27.960 --> 01:32:28.800 seven seven to one. 1815 01:32:28.880 --> 01:32:29.159 Help. 1816 01:32:29.319 --> 01:32:31.960 You'll think you're his only customer when you choose Frank 1817 01:32:32.000 --> 01:32:34.479 Durand the real estate Man dot com to list your 1818 01:32:34.479 --> 01:32:37.680 home with Remax Alliance three oh three nine two zero 1819 01:32:37.760 --> 01:32:38.720 sixteen twenty two. 1820 01:32:41.880 --> 01:32:44.239 All right, three oh three seven one three A two 1821 01:32:44.239 --> 01:32:49.279 five five three zero three Martino, goodness, gracious, we got 1822 01:32:49.319 --> 01:32:51.199 two lines open. I'd love to hear from you. I'm 1823 01:32:51.239 --> 01:32:54.720 gonna go back to Teresa's issue with AT and T. 1824 01:32:54.840 --> 01:32:59.319 Bottom line is this Teresa? I still am looking at 1825 01:32:59.319 --> 01:33:02.920 this and it says, uh yeah, is it? Tracy beal 1826 01:33:03.039 --> 01:33:07.560 at and T. Here's the documents final notice AT and 1827 01:33:07.680 --> 01:33:11.640 T total amount to one hundred and eighty. We recently 1828 01:33:11.720 --> 01:33:13.880 final bill AT and T one hundred and eighty. You 1829 01:33:13.920 --> 01:33:17.560 still have an outstanding balance. Go online to AT and T. 1830 01:33:18.039 --> 01:33:22.239 This appears to be directly from AT and T. This 1831 01:33:22.279 --> 01:33:25.000 doesn't appear to be from a third party source. But 1832 01:33:25.399 --> 01:33:27.640 why do they say it's a third party source. 1833 01:33:28.680 --> 01:33:31.439 That's what the recording says when you call their eight 1834 01:33:31.520 --> 01:33:34.880 hundred number, the eight hundred two eight eight twenty twenty. 1835 01:33:35.119 --> 01:33:37.479 All right, well, listen, I'm gonna make this I'm gonna 1836 01:33:37.479 --> 01:33:41.079 make this easy on you. We have an angel over there, 1837 01:33:41.880 --> 01:33:45.600 My wife Suzanne's listening. We're gonna we're gonna email AT 1838 01:33:45.760 --> 01:33:48.800 and T for you, someone that handles real problems and 1839 01:33:48.800 --> 01:33:52.039 hopefully gets is handled and find out what's going on. 1840 01:33:52.159 --> 01:33:55.159 But I want to say this T as well. I mean, really, 1841 01:33:55.479 --> 01:33:58.560 I wouldn't even play around anymore. If you're sure you 1842 01:33:58.640 --> 01:34:01.399 don't owe it? Was that the exact amount you paid 1843 01:34:01.399 --> 01:34:02.239 for the final bill? 1844 01:34:02.399 --> 01:34:05.000 No, no, I paid off our phones. I don't remember 1845 01:34:05.039 --> 01:34:08.880 what the amount was. I have no idea where they 1846 01:34:08.920 --> 01:34:10.680 came up with this one hundred and eighty dollars and 1847 01:34:10.760 --> 01:34:14.479 forty six cents. And what scares me, Mark is you 1848 01:34:14.520 --> 01:34:18.039 know I have an eight hundred and ten BICO score. Yeah, 1849 01:34:18.119 --> 01:34:20.920 and they're threatening to put this to you know, a 1850 01:34:20.960 --> 01:34:23.159 collection agency. Are you freaking kidding? 1851 01:34:23.239 --> 01:34:25.439 Well wait, wait wait, I want to push you a 1852 01:34:25.439 --> 01:34:28.479 little at ease. So just because something's getting collection, they're 1853 01:34:28.520 --> 01:34:31.439 not supposed to put on your credit report. What happens 1854 01:34:31.560 --> 01:34:33.720 is and with AT and T I assure you this 1855 01:34:33.760 --> 01:34:36.800 would happen. They're not going to use some crazy collector, 1856 01:34:37.359 --> 01:34:39.520 not saying it couldn't end up in the hands sold 1857 01:34:39.520 --> 01:34:42.960 pennies on the dollar. But really, what happens, Teresa, is 1858 01:34:43.159 --> 01:34:46.720 they hand it over to collections. Collections tries to intimidate 1859 01:34:46.800 --> 01:34:48.880 you to get paid, and then they got to make 1860 01:34:48.920 --> 01:34:51.800 the real decision is it worth bringing her to court 1861 01:34:51.880 --> 01:34:53.760 over one hundred and eighty dollars. So then if they 1862 01:34:53.840 --> 01:34:56.119 do want to go to that, what they would do 1863 01:34:56.560 --> 01:34:59.960 is they would literally file the lawsuit. Have you served, 1864 01:35:00.439 --> 01:35:02.920 You would go to court, you would have your time 1865 01:35:03.000 --> 01:35:06.399 in court, and let's say you did lose, then they 1866 01:35:06.439 --> 01:35:09.119 could put it on your credit report, but they have 1867 01:35:09.199 --> 01:35:11.359 to go through and get the judgment that you own 1868 01:35:11.399 --> 01:35:13.840 it before it's going to be put on your credit report. 1869 01:35:13.960 --> 01:35:18.520 If not, they could be facing some pretty big penalties. 1870 01:35:19.800 --> 01:35:21.960 Okay, Yeah, I'm just really upset, right. 1871 01:35:22.039 --> 01:35:24.600 Yeah, no, hey, listen, I protect my credit score the 1872 01:35:24.640 --> 01:35:28.119 same exact way, the same exact way. In fact, everybody 1873 01:35:28.119 --> 01:35:28.840 out there should. 1874 01:35:29.640 --> 01:35:32.159 The account number isn't even my account number. 1875 01:35:32.359 --> 01:35:34.800 Well that even makes it even crazier. So but here's 1876 01:35:34.800 --> 01:35:38.079 the deal. We're going to reach out Kelly. Please forward 1877 01:35:38.119 --> 01:35:40.960 that same email that you sent to me to Suzanne 1878 01:35:41.479 --> 01:35:43.800 and she's going to reach out to you. So Teresa, 1879 01:35:43.840 --> 01:35:47.640 make sure you give Kelly your phone number and more importantly, email, 1880 01:35:48.000 --> 01:35:50.079 and Susanna will reach out to you where it is 1881 01:35:50.119 --> 01:35:52.920 and if it's all if it's all bogus, in other words, 1882 01:35:53.199 --> 01:35:56.680 it's literally bogus because it's the wrong account or something, 1883 01:35:56.960 --> 01:35:59.800 Susanna will lets you know or she'll let you know okay, 1884 01:35:59.840 --> 01:36:01.520 they they made it right or whatever. 1885 01:36:01.600 --> 01:36:03.359 Okay, I appreciate it. 1886 01:36:03.479 --> 01:36:06.279 Make sure you call back in when it's done so 1887 01:36:06.319 --> 01:36:10.039 I can give Suzanne the dinger. Three oh three seven 1888 01:36:10.119 --> 01:36:14.279 one three A two five five three zero three. Martina, 1889 01:36:14.359 --> 01:36:19.239 we're gonna have two lines open, Medina, What is going 1890 01:36:19.279 --> 01:36:22.199 on with you? Haul guy? 1891 01:36:23.199 --> 01:36:23.760 Can you hear me? 1892 01:36:23.800 --> 01:36:24.119 Okay? 1893 01:36:24.199 --> 01:36:26.439 I can hear you perfectly, Okay. 1894 01:36:27.319 --> 01:36:30.720 So I had rented a pickup truck, not a moving 1895 01:36:31.279 --> 01:36:33.319 van or anything. I rented a pickup truck for a 1896 01:36:33.439 --> 01:36:37.800 friend who came to town to visit back in January. 1897 01:36:38.000 --> 01:36:41.680 January bucket and I live in Montana and it's really 1898 01:36:41.720 --> 01:36:46.000 cold here around that time, and he wanted me to 1899 01:36:46.039 --> 01:36:49.279 take him around and do like odd jobs. He's trying 1900 01:36:49.319 --> 01:36:52.159 to raise money to get his dog out of the 1901 01:36:52.680 --> 01:36:53.880 hound in Florida. 1902 01:36:53.920 --> 01:36:56.239 Hey, Medina, let me ask you. Let me ask you 1903 01:36:56.279 --> 01:36:58.199 a question right off the bat when you said you 1904 01:36:58.279 --> 01:37:01.600 rented to truck for him. He was out in your 1905 01:37:01.600 --> 01:37:05.159 neck of the woods. Yes, and you went into a place, 1906 01:37:05.199 --> 01:37:08.640 a U haul dealer and rented the truck under your name, 1907 01:37:08.680 --> 01:37:11.239 because I'm assuming he couldn't pay for it based upon 1908 01:37:11.680 --> 01:37:12.359 the story you. 1909 01:37:12.319 --> 01:37:14.199 Told, right right right? 1910 01:37:14.279 --> 01:37:16.880 So was he added as a driver and was he 1911 01:37:17.039 --> 01:37:18.640 driving or were you driving? 1912 01:37:19.640 --> 01:37:21.800 No, he was added as a as a driver. 1913 01:37:21.960 --> 01:37:23.039 Okay, now keep going. 1914 01:37:24.159 --> 01:37:28.640 And so I when we got into the U haul place, 1915 01:37:28.840 --> 01:37:32.520 he went in first, and then he came and got 1916 01:37:32.560 --> 01:37:36.159 me to sign it. So when I went in, he 1917 01:37:36.279 --> 01:37:39.359 yelled and it was just the four of us met him, 1918 01:37:39.520 --> 01:37:43.600 a manager and another worker, and he yelled out and 1919 01:37:43.600 --> 01:37:45.960 he said, then I got insurance on this too, and 1920 01:37:46.000 --> 01:37:48.560 I said, okay, so and I just went and I 1921 01:37:48.640 --> 01:37:53.680 signed it. I just trusted everything was fine. And I've 1922 01:37:53.720 --> 01:37:56.680 never really rented a U haul truck before, so I didn't. 1923 01:37:56.960 --> 01:37:59.680 It's just like running a car. But so so that 1924 01:38:00.399 --> 01:38:02.720 I guess you're kind of teasing where we're going here. 1925 01:38:03.039 --> 01:38:05.880 So you thought you had the insurance, but it turns 1926 01:38:05.880 --> 01:38:07.039 out you didn't. 1927 01:38:07.600 --> 01:38:13.079 Right, so on, I was supposed to return it on 1928 01:38:13.199 --> 01:38:19.199 the sticks, and what happened though the evening before. The 1929 01:38:19.279 --> 01:38:22.079 guy that I had rented it for. His name is Randy, 1930 01:38:22.760 --> 01:38:26.199 and he's kind of handicapped where he was in a 1931 01:38:26.199 --> 01:38:28.199 wreck couple of years ago, so he doesn't. 1932 01:38:27.880 --> 01:38:28.960 Walk right, got it. 1933 01:38:29.000 --> 01:38:32.319 And then it's really icy here, so he fell on 1934 01:38:32.600 --> 01:38:36.359 the ice as he was going in to rent a 1935 01:38:36.439 --> 01:38:40.159 room for them, him and his friend that. 1936 01:38:40.000 --> 01:38:44.319 He yeah, that's fine, but what happened with the vehicle itself? 1937 01:38:45.199 --> 01:38:48.520 So he handed the guy the keys to repark the 1938 01:38:48.560 --> 01:38:50.239 car while he went in and got the room. 1939 01:38:50.359 --> 01:38:52.520 And the guy is the friend he's getting the room for, 1940 01:38:52.880 --> 01:38:57.239 which of course is not listed on the contract, right right, Okay, 1941 01:38:57.279 --> 01:38:59.560 hold on, this is uh well, I don't want to 1942 01:38:59.560 --> 01:39:03.479 say it's complicated. It's interesting. I'm hoping we can come 1943 01:39:03.560 --> 01:39:06.079 up with some answers. I promise right after this, I'll 1944 01:39:06.079 --> 01:39:07.560 bring you right back up Medina. 1945 01:39:08.600 --> 01:39:17.960 Wow, hold on, go with a sure thing Denver's Best 1946 01:39:18.039 --> 01:39:20.039 roofer Excel Roofing dot com. 1947 01:39:20.079 --> 01:39:22.079 You don't pay a cent until you're content. 1948 01:39:25.439 --> 01:39:28.640 Time for an insurance check up free, no obligation comparison 1949 01:39:28.760 --> 01:39:32.319 call Compass Insurance. Pay too much your coverage at dozens 1950 01:39:32.359 --> 01:39:35.079 of insurance companies find out now three oh three seven 1951 01:39:35.159 --> 01:39:38.000 seven to one help. You'll think you're his only customer 1952 01:39:38.039 --> 01:39:40.279 when you choose Frank durand the real estate Man dot 1953 01:39:40.319 --> 01:39:43.600 com to list your home with Remax Alliance three oh 1954 01:39:43.680 --> 01:39:50.520 three nine two zero sixteen twenty two. 1955 01:39:52.119 --> 01:39:54.920 All right, three oh three seven one three eight two 1956 01:39:55.000 --> 01:39:59.079 five five three zero three Martino. We got We're gonna 1957 01:39:59.119 --> 01:40:01.720 have three lines open, and I'd love to hear from 1958 01:40:01.800 --> 01:40:04.600 you any problem you have. You need some advice on anything, 1959 01:40:04.600 --> 01:40:08.159 We've got attorneys available. If I can't answer the question, 1960 01:40:08.880 --> 01:40:12.800 We've got contractors. We even have Denis available. Three zero 1961 01:40:12.960 --> 01:40:16.239 three Martino. Now, I want to go back to a 1962 01:40:16.359 --> 01:40:20.880 situation I hope no one gets themselves into. And I 1963 01:40:20.920 --> 01:40:23.119 know exactly where this is going I'm trying to figure 1964 01:40:23.119 --> 01:40:24.840 out how we're going to be able to help Medina. 1965 01:40:24.880 --> 01:40:28.399 But basically she's kind. I'll start out like that. She's 1966 01:40:28.439 --> 01:40:31.199 a very nice lady. She has a friend in need, 1967 01:40:31.840 --> 01:40:35.039 was trying to get some odd jobs done. Needed a 1968 01:40:35.079 --> 01:40:38.119 pickup truck, so she rented a pickup truck. She did 1969 01:40:38.159 --> 01:40:40.840 the right thing renting it from you Haul, because she 1970 01:40:40.960 --> 01:40:45.000 added the friend on is a driver, so in case 1971 01:40:45.039 --> 01:40:49.359 if something happens there, he's covered under the insurance as well. 1972 01:40:49.920 --> 01:40:52.399 But the issue seems to be he had a friend 1973 01:40:52.439 --> 01:40:55.399 with them. And by the way, this guy, the reason 1974 01:40:55.439 --> 01:40:58.159 he's doing these odd jobs and she's helping out is 1975 01:40:58.199 --> 01:41:00.439 his dog got taken away and I guess it's in 1976 01:41:00.479 --> 01:41:02.840 the pound and he's trying to come up with the 1977 01:41:02.920 --> 01:41:05.880 ransom to get the dog out. I mean, that's pretty 1978 01:41:05.960 --> 01:41:08.479 much the story, but that's not the problem. What the 1979 01:41:08.520 --> 01:41:12.680 problem becomes is he had a friend. It was really slippery. 1980 01:41:12.760 --> 01:41:15.920 The guy that was added to it slipped and fell 1981 01:41:15.960 --> 01:41:18.880 after parking it, and they had to move the vehicle 1982 01:41:19.239 --> 01:41:21.680 and basically he couldn't get back in and move it 1983 01:41:21.760 --> 01:41:23.840 right away, so he had his friend move it. And 1984 01:41:23.960 --> 01:41:27.439 what happened, What did the friend do Medina. 1985 01:41:28.279 --> 01:41:33.239 So the friend it's actually a homeless guy, he thought, 1986 01:41:33.560 --> 01:41:36.880 because I was hoping him he would turn around and 1987 01:41:37.039 --> 01:41:39.920 pay it forward. And he helped this guy. He bought 1988 01:41:39.960 --> 01:41:42.039 him new shoes, new boots to the winter. 1989 01:41:42.479 --> 01:41:45.000 So he let the homeless guy drive the truck that 1990 01:41:45.079 --> 01:41:46.039 you rented for him. 1991 01:41:47.439 --> 01:41:50.600 Well, he only had him park it, but he went 1992 01:41:50.680 --> 01:41:54.520 to let him stay the night with him, and a 1993 01:41:54.560 --> 01:41:57.079 couple of nights. So he was doing good and they 1994 01:41:57.119 --> 01:42:00.319 were running around together and he was helping him, and 1995 01:42:00.399 --> 01:42:03.640 he said he did not imagine him just taking off 1996 01:42:03.680 --> 01:42:04.239 with the truck. 1997 01:42:04.479 --> 01:42:07.359 He stole it the guy. Wait, so the guy just 1998 01:42:07.439 --> 01:42:08.479 literally stole it. 1999 01:42:09.039 --> 01:42:09.960 He stole it. 2000 01:42:10.000 --> 01:42:12.880 Now, and you said something you couldn't imagine it. I 2001 01:42:13.279 --> 01:42:16.039 could easily imagine a homeless guy stealing the truck. 2002 01:42:17.000 --> 01:42:19.319 Yeah, because he was helping him so much. He helped 2003 01:42:19.359 --> 01:42:20.840 him two three days. I don't even know. 2004 01:42:21.199 --> 01:42:24.079 Did you know? Did you know this guy was involved 2005 01:42:24.079 --> 01:42:25.520 at any of this point? 2006 01:42:25.920 --> 01:42:26.119 No? 2007 01:42:26.680 --> 01:42:29.560 So I assume you reported it stolen. 2008 01:42:30.279 --> 01:42:32.920 Yes, he reported it, Randy, he reported it. 2009 01:42:33.760 --> 01:42:35.439 Uh, you are so screwed. 2010 01:42:36.279 --> 01:42:38.520 Yeah, So let's just jump. 2011 01:42:38.319 --> 01:42:40.760 Forward to where we're at right now. What is U 2012 01:42:40.800 --> 01:42:42.560 Haul asking for? 2013 01:42:43.399 --> 01:42:46.520 So we asked. He asked for insurance, and they fell 2014 01:42:46.640 --> 01:42:48.439 to put it on. They did not put it on. 2015 01:42:48.600 --> 01:42:51.319 It wouldn't have mattered. Neither of you were driving the 2016 01:42:51.399 --> 01:42:53.880 car even if he did ask for insurance. I mean, 2017 01:42:54.079 --> 01:42:57.279 here's the bottom line. There was either insurance or there wasn't. 2018 01:42:57.840 --> 01:42:58.039 Right. 2019 01:42:58.600 --> 01:42:59.800 Do you have the paperwork? 2020 01:43:00.720 --> 01:43:03.840 Yeah, you do, it's fourteen thousand. 2021 01:43:04.319 --> 01:43:06.840 No no, no, hold on, hold on, I listen. I 2022 01:43:06.880 --> 01:43:10.319 want to make sure because it is possible. I highly 2023 01:43:10.399 --> 01:43:12.800 doubt it, but it is possible. We had a case 2024 01:43:12.920 --> 01:43:16.520 years ago where they claimed the person didn't have insurance. 2025 01:43:16.560 --> 01:43:19.880 They claimed it. It was a very strange rental car company. 2026 01:43:19.920 --> 01:43:22.840 It wasn't like Hurtz I can't think of the name of. 2027 01:43:22.840 --> 01:43:25.159 It wasn't a big one like Dollar anybody. But the 2028 01:43:25.199 --> 01:43:28.319 bottom line is they said he denied the coverage. He 2029 01:43:28.520 --> 01:43:32.560 literally had the original paperwork in a PDF form where 2030 01:43:32.600 --> 01:43:35.920 he accepted the coverage, and they ended up changing their 2031 01:43:36.000 --> 01:43:39.840 story and paying out. So do you have the original 2032 01:43:39.920 --> 01:43:43.720 receipt from that U haul dealer on the insurance where 2033 01:43:43.720 --> 01:43:47.279 you either declined it you usually check it in initial 2034 01:43:47.359 --> 01:43:50.800 it or were you accepted the insurance. 2035 01:43:52.119 --> 01:43:56.439 I don't recall, I just recall finding it okay, I 2036 01:43:56.760 --> 01:43:58.640 didn't know about any of it because I thought he 2037 01:43:58.680 --> 01:43:59.640 took care of the paperwork. 2038 01:43:59.720 --> 01:44:01.800 Listen, I'm going to assume there was no insurance, and 2039 01:44:01.920 --> 01:44:04.359 I'm just going to assume it all together. If you 2040 01:44:04.399 --> 01:44:06.359 can get a copy of that, I would like to 2041 01:44:06.359 --> 01:44:09.079 look at it just to one hundred percent make sure 2042 01:44:09.119 --> 01:44:12.239 you didn't have coverage. But hold on, listen, you're gonna 2043 01:44:12.279 --> 01:44:14.560 be first up again. It's just the top of the hour. 2044 01:44:15.239 --> 01:44:17.520 I've got a few ideas on this, but I need 2045 01:44:17.560 --> 01:44:19.960 to know how much they're asking. And I hate to 2046 01:44:20.000 --> 01:44:23.479 see say this, but I need to understand your assets 2047 01:44:23.800 --> 01:44:30.119 and your collectibility. So hold on three zero three Martino, 2048 01:44:30.239 --> 01:44:31.079 two lines open. 2049 01:44:33.960 --> 01:44:37.199 Go with a sure thing Denver's best roofer Excel Roofing 2050 01:44:37.319 --> 01:44:39.920 dot com. You don't pay a cent until you're content. 2051 01:44:43.319 --> 01:44:46.520 Time for an insurance check up free, no obligation. In comparison, 2052 01:44:46.640 --> 01:44:50.199 call Compass insurance paying too much your coverage at dozens 2053 01:44:50.199 --> 01:44:52.960 of insurance companies find out now three oh three seven 2054 01:44:53.039 --> 01:44:55.880 seven to one help. You'll think you're his only customer 2055 01:44:55.880 --> 01:44:58.159 when you choose Frank durand the real estate Man dot 2056 01:44:58.159 --> 01:44:59.800 com to list your home. 2057 01:44:59.720 --> 01:45:02.880 With Max Alliance three oh three nine two zero sixteen 2058 01:45:02.960 --> 01:45:03.439 twenty two. 2059 01:45:04.199 --> 01:45:17.199 Yeah, news advice who you don't have. You'll come running 2060 01:45:17.439 --> 01:45:22.760 just as fast as we can. Shooter's gonna help come man. 2061 01:45:23.600 --> 01:45:27.800 This is the Troubleshooter Show. No Tom Martinez. 2062 01:45:27.960 --> 01:45:30.239 Welcome my friends to the only show this guy. We're 2063 01:45:30.279 --> 01:45:33.319 here to solve problems, to answer your questions, take complaints. 2064 01:45:33.399 --> 01:45:36.399 We get directly involved in your life. You have any problems, 2065 01:45:36.760 --> 01:45:39.319 or maybe you see a problem coming up and want 2066 01:45:39.399 --> 01:45:41.039 some advice on it. We'd love to hear from you 2067 01:45:41.560 --> 01:45:43.920 that three oh three Martina works all the time. Please 2068 01:45:43.960 --> 01:45:46.720 tell your friends leave a message. I promise we'll get 2069 01:45:46.760 --> 01:45:49.279 back to you either right away depending on when you 2070 01:45:49.359 --> 01:45:53.159 leave the message, or the next day, or you can 2071 01:45:53.199 --> 01:45:57.159 email us at help HLP, Help It troubleshooter dot com 2072 01:45:57.479 --> 01:45:59.920 and we can do the same. We've been talking to 2073 01:46:00.239 --> 01:46:02.359 a lot of things today. I left off last hour 2074 01:46:02.520 --> 01:46:05.680 with Medina. I hope this is a lesson to everybody 2075 01:46:05.760 --> 01:46:08.079 out there. When you rent a vehicle, you got to 2076 01:46:08.119 --> 01:46:10.279 list everybody that's going to drive it on there, or 2077 01:46:10.319 --> 01:46:14.680 basically you have no coverage whatsoever. You have absolutely zero coverage, 2078 01:46:14.760 --> 01:46:17.000 and I'll tell you where the call generally comes in. 2079 01:46:18.000 --> 01:46:19.600 You rent a vehicle and you rent it for your 2080 01:46:19.680 --> 01:46:21.960 kid because they're under twenty five and you can't find 2081 01:46:21.960 --> 01:46:25.119 a rental place and they end up driving this rental 2082 01:46:25.359 --> 01:46:27.920 and they end up in an accident, and then bam. 2083 01:46:28.000 --> 01:46:32.880 Your own insurance company typically won't Your own insurance company 2084 01:46:32.880 --> 01:46:36.039 typically won't do it. In the insurance company itself, the 2085 01:46:36.079 --> 01:46:39.600 insurance you bought isn't going to cover it. Now, what'd 2086 01:46:39.600 --> 01:46:42.159 see if the driver's not on there? You just look 2087 01:46:42.199 --> 01:46:43.920 at it this way, You're not going to have coverage 2088 01:46:43.920 --> 01:46:46.479 on it. You're just simply not going to have coverage. 2089 01:46:47.079 --> 01:46:50.760 There might be some situations where your own insurance might 2090 01:46:50.880 --> 01:46:53.760 cover something, but that's pretty iffy. I sure wouldn't bank 2091 01:46:53.800 --> 01:46:57.399 on it. But in her situation, Medina, she did the 2092 01:46:57.479 --> 01:47:00.439 right thing at the beginning. Well, actually, Medea, I don't 2093 01:47:00.439 --> 01:47:03.000 think you did do the right thing. And I once again, 2094 01:47:03.039 --> 01:47:06.399 this is for everybody else out there, you know, renting 2095 01:47:06.520 --> 01:47:09.319 the vehicle and adding someone else on and then they're 2096 01:47:09.359 --> 01:47:11.960 really the ones driving it. I am so glad you 2097 01:47:12.039 --> 01:47:14.079 got a big heart and you were helping this guy out, 2098 01:47:14.319 --> 01:47:16.439 and I know you did not know he was going 2099 01:47:16.479 --> 01:47:19.439 to allow some homeless guy to start using the truck 2100 01:47:19.520 --> 01:47:22.319 as well. But I hope in the future you never 2101 01:47:22.439 --> 01:47:27.359 even consider anything like this again. Teck, No, how much 2102 01:47:27.399 --> 01:47:32.359 does you all want? Fourteen thousand, fourteen? 2103 01:47:32.439 --> 01:47:35.840 I already paid one seventy three, one. 2104 01:47:35.760 --> 01:47:38.560 Hundred and I'm sorry, one hundred and seventy. 2105 01:47:38.199 --> 01:47:42.239 Three fifty seven and that's just for the rental for 2106 01:47:42.279 --> 01:47:47.000 the forty Yeah, they charged me fourteen thousand, six hundred 2107 01:47:47.039 --> 01:47:49.319 and forty one dollars and fifty cents extra. 2108 01:47:49.520 --> 01:47:50.359 Did you pay that? 2109 01:47:51.560 --> 01:47:53.439 Well, they took it out of my credit card. They 2110 01:47:53.520 --> 01:47:55.399 charged my credit card without asking me. 2111 01:47:55.640 --> 01:47:58.520 Oh my god, you agreed to that. You agreed to 2112 01:47:58.560 --> 01:48:01.840 it it? Yeah, you agree to it. 2113 01:48:01.920 --> 01:48:04.000 I'll tell you that. 2114 01:48:04.239 --> 01:48:07.239 Yeah, So what happened? And then did you actually call 2115 01:48:07.279 --> 01:48:09.279 your credit card company up and dispute it? 2116 01:48:10.000 --> 01:48:11.159 Yes, and they won't let me. 2117 01:48:11.279 --> 01:48:12.920 They said it's a torque. 2118 01:48:12.439 --> 01:48:15.479 Claim it is they stating that they. 2119 01:48:15.479 --> 01:48:19.600 Can't do anyth Yeah, they can't. They signed the contract. Wow, 2120 01:48:19.640 --> 01:48:21.239 you're in worse shape than I thought. 2121 01:48:22.399 --> 01:48:25.000 Yeah, well it hards me wrong. 2122 01:48:25.159 --> 01:48:26.199 Drop off of. 2123 01:48:26.439 --> 01:48:29.680 Twelve hundred, Madina. I mean, let's just kind of look 2124 01:48:29.680 --> 01:48:32.720 at the big picture overall, though I'm a little I 2125 01:48:33.199 --> 01:48:36.199 don't quite understand why it was only fourteen thousand. Was 2126 01:48:36.199 --> 01:48:39.000 it an older vehicle? Did they ever did the homeless 2127 01:48:39.000 --> 01:48:41.359 guy wreck it? And that's what it costs to repair? 2128 01:48:41.600 --> 01:48:43.680 How did they come up with the fourteen thousand? 2129 01:48:45.479 --> 01:48:47.159 I have the list here. 2130 01:48:49.079 --> 01:48:49.600 It's no. 2131 01:48:49.720 --> 01:48:52.800 I mean in general terms, did they ever recover the vehicle? 2132 01:48:53.560 --> 01:48:53.720 Yeah? 2133 01:48:53.760 --> 01:48:56.720 They did, and it adds fourteen thousand dollars in damage. 2134 01:48:56.760 --> 01:49:00.800 Basically, No, I wish, I wish it was just damages. 2135 01:49:00.960 --> 01:49:04.000 My insurance would have taken care of it. My insurance 2136 01:49:04.960 --> 01:49:08.319 after my thousand dollars deductible. They only they only paid 2137 01:49:08.319 --> 01:49:09.279 me fifteen hundred. 2138 01:49:10.039 --> 01:49:11.640 Why what did they cover on it? 2139 01:49:12.439 --> 01:49:15.439 Just the damages which was barely any damage. 2140 01:49:15.520 --> 01:49:17.920 So what was the rest of the money Just time 2141 01:49:17.960 --> 01:49:20.600 of use? They couldn't rent it out, so they charged 2142 01:49:20.640 --> 01:49:22.359 you basically the whole time it was gone. 2143 01:49:23.279 --> 01:49:27.119 That too, But it says missing and damage fee of 2144 01:49:27.560 --> 01:49:32.560 twenty five hundred, okay, calling fee eighteen hundred, cleaning fee 2145 01:49:32.600 --> 01:49:39.079 twelve hundred, wrong drop off twelve hundred, seven thousand, seven 2146 01:49:39.199 --> 01:49:44.279 hundred just in miles. Yeah, and I guess they recovered it. 2147 01:49:44.319 --> 01:49:45.720 They said in South Dakota. 2148 01:49:46.039 --> 01:49:47.920 They hauled it all the way to North Dakota. 2149 01:49:48.039 --> 01:49:51.680 Yeah, that's it. That's the wrong drop off. I hate 2150 01:49:51.720 --> 01:49:54.479 to say this, I don't say. 2151 01:49:55.840 --> 01:49:56.039 I. 2152 01:49:56.119 --> 01:49:59.399 Okay, if you wanted to try to go after some 2153 01:49:59.439 --> 01:50:02.039 of it, like seventy five hundred dollars of it, okay, 2154 01:50:02.520 --> 01:50:05.680 if he wanted to try that in Colorado, at least 2155 01:50:05.720 --> 01:50:08.119 that would be a small claims. But here's what I'm 2156 01:50:08.119 --> 01:50:11.479 afraid of. You agreed to every bit of this, every 2157 01:50:11.600 --> 01:50:14.439 single bit of this. When you swiped that credit card, 2158 01:50:14.840 --> 01:50:17.279 you agreed that they could charge that credit card, which 2159 01:50:17.319 --> 01:50:20.760 you already learned through your own credit card company. I'm 2160 01:50:20.760 --> 01:50:22.880 more curious on this. Do you have the money? I mean, 2161 01:50:22.920 --> 01:50:25.159 what is this going to financially do to you? 2162 01:50:25.199 --> 01:50:28.640 No, I'm a disabled, single mom. I'm not even working. 2163 01:50:28.840 --> 01:50:30.279 I'm trying to get on disability. 2164 01:50:30.399 --> 01:50:35.039 So let's talk about your particular circumstance. We know you 2165 01:50:35.079 --> 01:50:38.119 have credit card debt of at least fourteen thousand right now, right? 2166 01:50:38.239 --> 01:50:39.039 Yeah? 2167 01:50:39.079 --> 01:50:40.640 What other debt do you have? 2168 01:50:41.960 --> 01:50:42.279 Well? 2169 01:50:43.399 --> 01:50:45.520 I have a you can ballpark? Do you ow on 2170 01:50:45.600 --> 01:50:45.920 a car? 2171 01:50:47.119 --> 01:50:47.359 No? 2172 01:50:47.479 --> 01:50:50.039 I got my house paid off and my car paid off? 2173 01:50:50.199 --> 01:50:53.640 Okay, so how much how much is your house worth? 2174 01:50:56.560 --> 01:50:57.079 Over too? 2175 01:50:57.920 --> 01:51:01.600 So over two hundred thousand? And you do you have 2176 01:51:01.640 --> 01:51:04.760 any access to that kind of equity or I'm sorry, 2177 01:51:04.960 --> 01:51:07.119 you have it paid off? Do you have like a 2178 01:51:07.199 --> 01:51:09.359 heat lock or any line of credit on it or no? 2179 01:51:10.560 --> 01:51:11.279 I have no idea. 2180 01:51:12.399 --> 01:51:14.399 And where do you live? Do you live in Colorado? 2181 01:51:15.239 --> 01:51:15.399 No? 2182 01:51:15.560 --> 01:51:16.720 In Billings, Montana? 2183 01:51:16.880 --> 01:51:20.239 Hey, doc, do me a favor. Look up Billings Montana 2184 01:51:21.039 --> 01:51:26.840 bankruptcy home loans. Just look it up just like that. 2185 01:51:27.000 --> 01:51:29.840 I'm just not familiar with there. What else do you 2186 01:51:29.920 --> 01:51:31.920 actually own? How much is that car worth? 2187 01:51:33.640 --> 01:51:34.520 Probably seven? 2188 01:51:35.319 --> 01:51:38.560 So the car's worth seven maybe? And what else do 2189 01:51:38.560 --> 01:51:40.119 you have? How much money in the bank? 2190 01:51:42.239 --> 01:51:43.479 I don't have anything? 2191 01:51:43.720 --> 01:51:46.640 Okay, so you basically get what each months so security 2192 01:51:46.720 --> 01:51:46.920 or what? 2193 01:51:47.840 --> 01:51:48.560 I get? Nothing? 2194 01:51:48.720 --> 01:51:50.239 How do you eed? Just help me? 2195 01:51:51.479 --> 01:51:54.159 I'm just using my credit. 2196 01:51:53.880 --> 01:51:58.399 Card, okay, so you're using their credit card. So interestingly enough, 2197 01:51:58.439 --> 01:52:02.439 if you were in Colorado and you filed a bankruptcy, 2198 01:52:02.479 --> 01:52:05.000 you wouldn't lose the house, I mean, unless there's some 2199 01:52:05.119 --> 01:52:07.479 kind of fraud or something else. And I'm hoping it's 2200 01:52:07.479 --> 01:52:10.920 the same way in Montana, and you would keep your car. 2201 01:52:11.319 --> 01:52:13.520 I would be able to argue, or most people would 2202 01:52:13.520 --> 01:52:16.119 be able to argue the vehicle. If you're saying it's 2203 01:52:16.119 --> 01:52:18.920 seven grand, it's probably going to be under the exemption. 2204 01:52:19.000 --> 01:52:22.239 You could argue us under five certain things you couldn't 2205 01:52:22.239 --> 01:52:24.199 get rid of. I don't know if you own any guns. 2206 01:52:24.279 --> 01:52:30.039 Do you no any jewelry, antiques? No, any paintings, artwork? 2207 01:52:31.560 --> 01:52:31.720 No? 2208 01:52:31.920 --> 01:52:34.399 Okay, I'm just mentioning some stuff that you would have 2209 01:52:34.479 --> 01:52:37.640 to give up for other people listening. So, honestly, Doc, 2210 01:52:37.720 --> 01:52:38.960 did you find anything on that? 2211 01:52:39.079 --> 01:52:40.840 What did you want me to look at? Billings Montana? 2212 01:52:41.039 --> 01:52:46.079 Yeah, Billings or no, not just Billings Montana bankruptcy exemptions. 2213 01:52:46.720 --> 01:52:49.279 I'm looking for the car exemption number in the home 2214 01:52:49.359 --> 01:52:53.640 exemption number. So listen. What it's actually looking like, Madine, 2215 01:52:53.720 --> 01:52:56.920 is not the most horrible thing, because you appear to 2216 01:52:56.960 --> 01:53:00.560 be non collectible. If you were in Colorado, you're non collectible. 2217 01:53:00.760 --> 01:53:03.800 You would simply go bankrupt right now. You would file 2218 01:53:03.840 --> 01:53:07.560 a Chapter seven in federal court. You would hire somebody 2219 01:53:07.560 --> 01:53:10.359 for maybe one thousand bucks or whatever it is, and 2220 01:53:10.640 --> 01:53:13.640 you would owe nothing anymore. The credit card debt would 2221 01:53:13.640 --> 01:53:17.000 go away. Your house would be exempted, so they couldn't 2222 01:53:17.000 --> 01:53:19.920 touch it. If you do have some kind of qualified 2223 01:53:19.960 --> 01:53:23.640 plans like an IRA or Social Security or something, they 2224 01:53:23.680 --> 01:53:27.359 wouldn't be able to touch that. Going forward, I mean, really, 2225 01:53:27.359 --> 01:53:32.239 you're not in a bad place considering your uncollectible and 2226 01:53:32.399 --> 01:53:35.960 considering you have no way of paying anything right now. 2227 01:53:36.079 --> 01:53:38.159 And I got the exemptions, mark, what are they? What's 2228 01:53:38.159 --> 01:53:39.000 a home exemption? 2229 01:53:39.239 --> 01:53:42.319 Home exemption is up to two hundred and fifty thousand. 2230 01:53:42.439 --> 01:53:44.159 Bam, Emily, they can't touch. 2231 01:53:43.920 --> 01:53:46.119 Your HOUSEBI is twenty five hundred. 2232 01:53:46.319 --> 01:53:49.720 You might have an argument, and personal property is forty 2233 01:53:49.720 --> 01:53:55.279 five hundred. Yeah, so listen, you are basically uncollectable. I mean, 2234 01:53:55.319 --> 01:53:58.760 there's good and bad to it in your circumstance right now. Uh, 2235 01:53:58.800 --> 01:54:02.640 it's actually good because you do owe that money, and 2236 01:54:02.720 --> 01:54:04.600 you're not going to hire an attorney and fight it, 2237 01:54:05.319 --> 01:54:07.920 not simply because an attorney would cost you a fortune 2238 01:54:07.960 --> 01:54:10.359 to do because I personally don't think you'd win it. 2239 01:54:10.560 --> 01:54:13.640 And that's not legal advice. But these calls like this 2240 01:54:14.039 --> 01:54:17.359 for over thirty years I've heard, and honest to God, 2241 01:54:17.479 --> 01:54:19.960 listen to this. You agreed to all that when you 2242 01:54:20.000 --> 01:54:22.720 rented the vehicle and some homeless guys stole it, that 2243 01:54:23.000 --> 01:54:26.279 one of your drivers allowed to use it. But Medina, 2244 01:54:26.399 --> 01:54:28.960 you understand what I'm saying. They have nothing to get 2245 01:54:29.000 --> 01:54:29.319 from you. 2246 01:54:30.520 --> 01:54:31.720 Yeah. 2247 01:54:32.199 --> 01:54:32.399 Yeah. 2248 01:54:32.520 --> 01:54:37.079 The problem is is my credit score is over eight hundred, 2249 01:54:37.159 --> 01:54:42.319 and I've been doing so good, and that'll ruin it all. 2250 01:54:42.319 --> 01:54:42.640 Won't it? 2251 01:54:42.960 --> 01:54:45.840 Well, Medina, I guess I'm a little bit of a 2252 01:54:46.039 --> 01:54:48.479 loss then, And here's what I mean by that. You 2253 01:54:48.520 --> 01:54:52.560 said you're trying to get on Medicare, didn't you? Or Medicaid? 2254 01:54:53.560 --> 01:54:53.800 No? 2255 01:54:53.800 --> 01:54:57.880 No disability on Social Security disability? 2256 01:54:58.920 --> 01:55:00.000 Yeah? 2257 01:55:00.239 --> 01:55:04.199 Okay, So uptill, how did you pay your credit card 2258 01:55:04.239 --> 01:55:05.520 bills a month ago? 2259 01:55:07.239 --> 01:55:07.359 So? 2260 01:55:07.720 --> 01:55:10.960 I just I sell things locally, like I'll buy stuff 2261 01:55:10.960 --> 01:55:13.439 at thirst stores and then I just sell them. And 2262 01:55:13.439 --> 01:55:14.239 that's how I've been. 2263 01:55:14.319 --> 01:55:16.720 Kind of like SKA market stuff, yeah. 2264 01:55:16.439 --> 01:55:19.439 Like getting gas and food, And that's. 2265 01:55:19.199 --> 01:55:22.199 How you've been doing it. But long term, long term, 2266 01:55:22.279 --> 01:55:25.199 what were you expecting? In other words, if this okay, 2267 01:55:25.520 --> 01:55:27.239 let's get real here, because I want to make you 2268 01:55:27.279 --> 01:55:30.520 feel better if I can. Let's get super real. If 2269 01:55:30.560 --> 01:55:34.399 this did not happen, if this homeless guy didn't steal it, 2270 01:55:35.199 --> 01:55:38.399 where would you be right now? What's the difference in 2271 01:55:38.439 --> 01:55:41.680 your credit score? In other words, your income wasn't going 2272 01:55:41.760 --> 01:55:44.640 to change. 2273 01:55:44.960 --> 01:55:47.640 No, but I wouldn't have that fourteen. 2274 01:55:47.199 --> 01:55:51.239 Thousand on there right But you have no ability to 2275 01:55:51.319 --> 01:55:54.479 pay the fourteen thousand back. I guess what your argument 2276 01:55:54.680 --> 01:55:57.439 is I guess what your argument is. You could still 2277 01:55:57.560 --> 01:56:00.319 charge some stuff to your credit card and make a 2278 01:56:00.319 --> 01:56:02.239 little bit of money to pay it off each month. 2279 01:56:05.039 --> 01:56:07.439 Yeah, but how long do you think? 2280 01:56:07.880 --> 01:56:10.199 But Medina, please, how long do you think that would 2281 01:56:10.199 --> 01:56:15.159 have lasted? I don't know what's your ultimate goal? And 2282 01:56:15.199 --> 01:56:18.560 forget about this fourteen thousand listen, it's gone. I want 2283 01:56:18.600 --> 01:56:21.039 to really tell you my advice to you on this. 2284 01:56:21.640 --> 01:56:24.800 I would get and talk to a bankruptcy attorney, and 2285 01:56:24.960 --> 01:56:28.560 I would do it before you pay another nickel to anybody, 2286 01:56:28.720 --> 01:56:33.840 to anybody, to anybody. You follow what I'm saying. Yeah, 2287 01:56:33.880 --> 01:56:37.079 you talk to a bankruptcy attorney. If you have another 2288 01:56:37.159 --> 01:56:40.520 credit card, you don't pay that off, then call him. 2289 01:56:40.800 --> 01:56:44.640 If you have anything anything, talk to the attorney and 2290 01:56:44.680 --> 01:56:48.960 a bankruptcy attorney and find one that is relatively cheap. 2291 01:56:49.000 --> 01:56:51.600 To me, you sound like what we call a no 2292 01:56:51.840 --> 01:56:55.359 asset Chapter seven. You should be able to find somebody 2293 01:56:55.399 --> 01:56:59.479 in Montana for somewhere between one thousand and fifteen hundred bucks. 2294 01:56:59.640 --> 01:57:02.000 But talk to a few of them, but you have 2295 01:57:02.079 --> 01:57:05.039 to tell them the circumstances where you're at. You're not 2296 01:57:05.079 --> 01:57:07.640 going to do anything about that debt. Besides get rid 2297 01:57:07.680 --> 01:57:10.600 of it through bankruptcy or pay it off. And if 2298 01:57:10.600 --> 01:57:13.000 they say, hey, go ahead and just pay one hundred 2299 01:57:13.039 --> 01:57:17.640 bucks a month, don't do it. Talk to that attorney first. Okay, 2300 01:57:17.840 --> 01:57:20.399 Now side note, I want you to feel better. What 2301 01:57:20.560 --> 01:57:21.800 is your long term plan? 2302 01:57:24.279 --> 01:57:24.640 I don't. 2303 01:57:24.720 --> 01:57:25.479 I don't have one. 2304 01:57:25.720 --> 01:57:29.079 Well, if you got on social Security disability, I assume 2305 01:57:29.119 --> 01:57:32.119 you might what sell the house after the bankruptcy. You 2306 01:57:32.119 --> 01:57:35.000 have two hundred thousand dollars there. You would have your 2307 01:57:35.039 --> 01:57:38.880 Social Security disability coming in if that two hundred thousand 2308 01:57:38.960 --> 01:57:41.520 dollars didn't take some of that away. I mean, would 2309 01:57:41.560 --> 01:57:42.920 you move into an apartment? 2310 01:57:43.159 --> 01:57:43.319 What? 2311 01:57:43.439 --> 01:57:45.279 I mean, really? What what do you want to do? 2312 01:57:47.359 --> 01:57:47.560 No? 2313 01:57:47.640 --> 01:57:48.319 I would I. 2314 01:57:48.279 --> 01:57:49.560 Would stay in the house. 2315 01:57:49.359 --> 01:57:52.239 Because, yeah, you would just stay in the house and 2316 01:57:52.319 --> 01:57:54.960 figure out how to pay for the insurance if you 2317 01:57:55.039 --> 01:57:58.039 have insurance, and figure out how to pay for the taxes. 2318 01:57:59.680 --> 01:57:59.960 Yeah. 2319 01:58:00.159 --> 01:58:03.319 Hey, Medina, are you working with an attorney to get 2320 01:58:03.359 --> 01:58:05.880 you the disability? 2321 01:58:06.039 --> 01:58:06.399 Yeah? 2322 01:58:07.119 --> 01:58:09.560 Yeah, So listen, I really want you to call the 2323 01:58:09.600 --> 01:58:12.119 bankruptcy attorney. The other thing you might think about, how 2324 01:58:12.119 --> 01:58:12.560 old are you? 2325 01:58:14.319 --> 01:58:14.920 Fifty one? 2326 01:58:15.359 --> 01:58:16.920 Reverse mortgage never gonna happen. 2327 01:58:17.720 --> 01:58:20.880 No, I was gonna say, ask that attorney to get 2328 01:58:20.920 --> 01:58:21.479 a referral. 2329 01:58:21.760 --> 01:58:25.439 Listen, well, I just say, yeah, listen, Madina, Honest to God, 2330 01:58:25.479 --> 01:58:28.800 you gotta find just because of your money, they're going 2331 01:58:28.840 --> 01:58:30.720 to want cash up front. You're not going to hire 2332 01:58:30.720 --> 01:58:33.479 a five thousand dollars bankruptcy attorney. You don't need it. 2333 01:58:33.720 --> 01:58:36.319 You need to find someone that can file it. You 2334 01:58:36.359 --> 01:58:39.039 have nothing to go after. Everything you own is basically 2335 01:58:39.079 --> 01:58:42.880 under exemption. I think everything. Someone could argue that car 2336 01:58:43.000 --> 01:58:46.439 with no problem. It's so close. But I just really 2337 01:58:47.039 --> 01:58:49.159 I'm trying to think more long term. I want you 2338 01:58:49.199 --> 01:58:51.439 to forget about this. This is done, but it is 2339 01:58:51.479 --> 01:58:54.439 so important you get that bankruptcy filed. If they go 2340 01:58:54.560 --> 01:58:57.000 out and get a judgment and come after you the 2341 01:58:57.039 --> 01:59:00.399 credit card company for that fourteen thousand dollars, and that 2342 01:59:00.439 --> 01:59:04.079 stuff can happen pretty quick. You want it. You want 2343 01:59:04.119 --> 01:59:06.479 to get that bankruptcy to where it just all goes 2344 01:59:06.479 --> 01:59:09.239 away right now. But talk to an attorney there and 2345 01:59:09.319 --> 01:59:11.560 then when you come out of the bankruptcy. I'm going 2346 01:59:11.600 --> 01:59:13.680 to tell you something. If you have a credit score 2347 01:59:13.680 --> 01:59:16.079 of over eight hundred, now it's going to nail you 2348 01:59:16.159 --> 01:59:19.520 with like two hundred points, But in another another two 2349 01:59:19.600 --> 01:59:21.319 or three years, you're gonna be able to get a 2350 01:59:21.319 --> 01:59:25.159 credit card. If you've been paying these guys forever, your 2351 01:59:25.159 --> 01:59:27.319 credit's going to go to hell. If the credit card, 2352 01:59:27.359 --> 01:59:29.359 if you come up with one hundred bucks a month, 2353 01:59:30.520 --> 01:59:33.239 you're going to be paying them forever, and your credit's 2354 01:59:33.279 --> 01:59:35.760 gonna be worse than if you file bankruptcy now and 2355 01:59:35.800 --> 01:59:36.960 waited a couple of years. 2356 01:59:37.920 --> 01:59:40.000 Oh okay, it's. 2357 01:59:39.880 --> 01:59:42.760 Just gonna be horrible. Please talk to a bankruptcy attorney 2358 01:59:42.840 --> 01:59:44.840 if you were here in Colorado, I get one of 2359 01:59:44.840 --> 01:59:48.039 ours on, but it is imperative. I swear to God 2360 01:59:48.239 --> 01:59:50.920 Medina if you get anything out of this call, I 2361 01:59:50.960 --> 01:59:53.800 want you to take two things. One you have to 2362 01:59:53.880 --> 01:59:58.600 call a bankruptcy attorney and discuss the situation. They can't 2363 01:59:58.640 --> 02:00:01.960 touch that money in your house if you go bankrupt, okay, 2364 02:00:02.199 --> 02:00:05.000 tell them exactly what happened and how much you owe 2365 02:00:05.159 --> 02:00:08.239 to each credit card company and to anybody else you know. 2366 02:00:08.760 --> 02:00:11.920 And number two, there's nothing you're going to do in 2367 02:00:11.920 --> 02:00:16.319 my opinion, on that fourteen thousand dollars that you got charged. 2368 02:00:16.399 --> 02:00:19.760 That's how those companies work. You had a homeless guy 2369 02:00:20.439 --> 02:00:23.159 that was driving. Oh I don't even want to get 2370 02:00:23.199 --> 02:00:25.039 into it again. I'm beating a dead horse. I swear 2371 02:00:25.079 --> 02:00:28.079 to God Medina, please please follow up after you talk 2372 02:00:28.560 --> 02:00:30.720 to hold On. I want her to follow up, Kelly, 2373 02:00:30.760 --> 02:00:33.319 get her number. I want her to file up in 2374 02:00:33.399 --> 02:00:35.960 the next couple days or next week with what the 2375 02:00:36.039 --> 02:00:39.319 bankruptcy attorney said, and if she wants more advice on that, 2376 02:00:39.359 --> 02:00:41.039 I'll get one of ours on go ahead doc. 2377 02:00:41.279 --> 02:00:43.720 I was gonna ask if this is a bread and 2378 02:00:43.760 --> 02:00:47.399 butter filing, because the attorney that she's working with on 2379 02:00:47.560 --> 02:00:49.840 disability just file it for her. 2380 02:00:50.479 --> 02:00:52.439 It might be the only reason I'd say it might 2381 02:00:52.479 --> 02:00:56.079 be worth asking is social Security disability is actually in 2382 02:00:56.159 --> 02:01:00.640 federal court as well as bankruptcy. So it's if the 2383 02:01:00.680 --> 02:01:03.319 guy's ever done it before. But I don't know. If 2384 02:01:03.319 --> 02:01:05.880 he's never done it before, I wouldn't even think about it. 2385 02:01:05.880 --> 02:01:08.680 It only can't have to ask, No, it can't hurt 2386 02:01:08.680 --> 02:01:10.960 to ask at all? All right? Three oh three Martino, 2387 02:01:11.000 --> 02:01:18.760 one line, open, go. 2388 02:01:18.840 --> 02:01:22.560 With a sure thing Denver's Best roofer Excel Roofing dot com. 2389 02:01:22.600 --> 02:01:28.319 You don't pay a cent until you're content. Time for 2390 02:01:28.359 --> 02:01:32.119 an insurance checkup free, no obligation. In comparison, call Compass 2391 02:01:32.159 --> 02:01:35.439 insurance paying too much your coverage at dozens of insurance 2392 02:01:35.479 --> 02:01:37.960 companies find out Now three oh three seven to seven 2393 02:01:37.960 --> 02:01:40.720 to one help. You'll think you're his only customer when 2394 02:01:40.760 --> 02:01:43.239 you choose Frank durand the real estate Man dot com 2395 02:01:43.279 --> 02:01:46.399 to list your home with Remax Alliance three oh three 2396 02:01:46.479 --> 02:01:48.159 nine two zero sixteen twenty two. 2397 02:01:49.119 --> 02:01:53.199 Hey, folks, if you listen to this show, Uh, not 2398 02:01:53.319 --> 02:01:56.399 only do we help people, we've recouped over three hundred million. 2399 02:01:56.479 --> 02:01:59.199 I mean, think about that. But you know the education 2400 02:01:59.439 --> 02:02:02.760 value of it is insane, just for people listening. So 2401 02:02:02.960 --> 02:02:06.479 I want to go to one of my experts, Justin Petty, 2402 02:02:07.000 --> 02:02:09.960 and where this is coming up. And Justin's listening right now. 2403 02:02:09.960 --> 02:02:14.399 And I also have John Fuller, another expert on referralist 2404 02:02:14.439 --> 02:02:16.359 dot com. Of course you've heard him do the show here, 2405 02:02:17.119 --> 02:02:19.560 but I'm going to ask him something about this same 2406 02:02:19.640 --> 02:02:22.279 call after I talked to Justin on a different aspect. 2407 02:02:22.640 --> 02:02:25.880 But Emily said something, And here's a quick recap. She 2408 02:02:26.000 --> 02:02:28.000 got hit in her Honda fit. It's a pretty small 2409 02:02:28.039 --> 02:02:33.000 little Honda and got rear ended by Stevens and Son 2410 02:02:34.079 --> 02:02:37.840 painters or landscapers or something. None of that's relevant, and 2411 02:02:37.920 --> 02:02:44.119 she basically is having problems getting her car fixed. How 2412 02:02:44.159 --> 02:02:49.039 she wants they took all liability. They basically said, it's 2413 02:02:49.079 --> 02:02:54.319 our fault and Justin, I got a couple questions for you. One, 2414 02:02:54.479 --> 02:02:59.119 let's talk about property damage. When someone rear ends a 2415 02:02:59.199 --> 02:03:03.920 car in or made in twenty eleven. We're talking about 2416 02:03:03.920 --> 02:03:06.399 a two thousand and eleven Honda Fit and it's got 2417 02:03:06.399 --> 02:03:09.520 thirty five hundred bucks worth of damage. So they basically 2418 02:03:09.560 --> 02:03:12.039 fixed whatever was done to the rear end and they 2419 02:03:12.119 --> 02:03:15.800 painted it. She's not happy that it didn't blend perfectly 2420 02:03:15.840 --> 02:03:17.560 into the rest of the car. So let me ask 2421 02:03:17.560 --> 02:03:20.840 you this. First of all, if someone rear ends me 2422 02:03:20.880 --> 02:03:23.479 and I have got a fourteen year old car, do 2423 02:03:23.560 --> 02:03:28.279 they am I entitled to a completely new paint job 2424 02:03:28.319 --> 02:03:31.359 all the way around? Or is it just that quarter panel? 2425 02:03:31.640 --> 02:03:34.920 Or what typically is the insurance company going to pay for? 2426 02:03:36.479 --> 02:03:39.960 Well, normally, if you can prove that the paint doesn't match, 2427 02:03:40.520 --> 02:03:44.039 if it's an older vehicle, they're going to offer an 2428 02:03:44.079 --> 02:03:47.840 appearance allowance instead of a full repaint because you probably 2429 02:03:47.920 --> 02:03:50.920 can't match it the original paint. Yep, it's probably not 2430 02:03:51.039 --> 02:03:53.680 the exact same tint that it would have been to 2431 02:03:53.720 --> 02:03:56.680 begin with, and it would take some real good custom 2432 02:03:56.840 --> 02:04:00.880 paint mixing to get it to look exactly rot. So 2433 02:04:01.199 --> 02:04:05.560 normally an appearance allowance is what would resolve that issue, 2434 02:04:05.600 --> 02:04:08.640 just you know, some money to compensate for the fact 2435 02:04:09.119 --> 02:04:10.279 that it doesn't match. 2436 02:04:11.000 --> 02:04:13.760 So but but when you say an appearance allowance, I 2437 02:04:13.760 --> 02:04:17.319 want to understand this. Would that be whatever amount of 2438 02:04:17.359 --> 02:04:20.439 money that it would take for a really good painter 2439 02:04:21.039 --> 02:04:24.520 to create that exact color of what's on there. So, 2440 02:04:24.600 --> 02:04:27.119 in other words, your paint would match. Or are they 2441 02:04:27.199 --> 02:04:29.479 simply going to give you a few extra bucks because 2442 02:04:29.479 --> 02:04:30.359 it's not perfect? 2443 02:04:31.640 --> 02:04:31.880 Yeah? 2444 02:04:32.039 --> 02:04:34.760 The second option, there's no signs to it. 2445 02:04:34.880 --> 02:04:37.399 Yeah, yeah, I got you. Now, this is a more 2446 02:04:37.479 --> 02:04:39.800 curious question that comes up all the time. She got 2447 02:04:39.880 --> 02:04:42.520 hit by this company, and let me bring her back 2448 02:04:42.600 --> 02:04:45.159 up really quick. Let me lock you in. Hey, Emily, 2449 02:04:45.239 --> 02:04:48.640 you said the body they so far have paid. She 2450 02:04:48.720 --> 02:04:51.520 already picked her car up. She wasn't happy with justin 2451 02:04:51.880 --> 02:04:55.079 and wants some of the paint work. We're done talking about. 2452 02:04:55.319 --> 02:04:58.079 But the whole thing was thirty five hundred, right, Emily, 2453 02:04:58.159 --> 02:04:59.640 that's about what they paid out. 2454 02:05:01.039 --> 02:05:02.079 About around that reage. 2455 02:05:02.159 --> 02:05:05.439 Yeah, that's fine, And she's valuing her car at eight thousand, 2456 02:05:05.720 --> 02:05:08.359 and I started thinking, even though that car is thirteen 2457 02:05:08.479 --> 02:05:11.960 or fourteen years old? Justin, you have taught me something 2458 02:05:12.079 --> 02:05:15.199 over the years. I really don't care how old it is. 2459 02:05:15.600 --> 02:05:19.760 For the most part, diminished value will always come in. Emily, 2460 02:05:19.880 --> 02:05:23.880 did anybody give you a check for diminished value? 2461 02:05:24.199 --> 02:05:24.439 No? 2462 02:05:24.640 --> 02:05:27.359 And in fact, this year Hunta still has the car. Yep, 2463 02:05:28.159 --> 02:05:32.399 there we do part of the drifts, paint on the bumper. Yep, 2464 02:05:32.760 --> 02:05:33.479 I'm headed over. 2465 02:05:33.840 --> 02:05:35.640 No, I know you're going over there. But you've never 2466 02:05:35.720 --> 02:05:39.600 even heard the term diminished value? Have you? 2467 02:05:39.720 --> 02:05:40.000 No? 2468 02:05:40.039 --> 02:05:42.159 But it's well, I mean I started to see that 2469 02:05:42.239 --> 02:05:44.119 appear on Google when I'm fooling about it. 2470 02:05:44.319 --> 02:05:46.920 Yeah, so hold on, let's let's let Justin I get it. 2471 02:05:46.960 --> 02:05:49.039 I just wanted to know if the insurance company or 2472 02:05:49.079 --> 02:05:51.640 anybody brought it up to you. But Justin, even on 2473 02:05:51.720 --> 02:05:55.920 a car that old, wouldn't you say, in general, if 2474 02:05:55.920 --> 02:05:58.680 it had thirty five hundred dollars in repairs and the 2475 02:05:58.760 --> 02:06:01.720 vehicle truly were was worth eight thousand that I mean 2476 02:06:01.760 --> 02:06:04.479 they basically wrecked a third of that car, that there 2477 02:06:04.520 --> 02:06:05.880 would be diminished value. 2478 02:06:08.119 --> 02:06:09.640 Oh certainly, Yeah, I mean. 2479 02:06:09.600 --> 02:06:12.479 And what do you think the percentage of the value 2480 02:06:12.520 --> 02:06:15.479 of that vehicle was diminished? Twenty percent? 2481 02:06:17.560 --> 02:06:22.039 Probably probably not that much on that year. And also, 2482 02:06:22.399 --> 02:06:24.399 you know, we want to make sure that it didn't 2483 02:06:24.439 --> 02:06:28.279 already have an accident history of some kind. But considering 2484 02:06:28.319 --> 02:06:31.479 that it wouldn't have an accident history before this, probably 2485 02:06:31.520 --> 02:06:34.760 more in the range of twelve to fifteen percent. 2486 02:06:34.960 --> 02:06:37.920 So that would be another that would be another fifteen 2487 02:06:38.000 --> 02:06:42.680 hundred bucks on the high side. Right now, since that 2488 02:06:42.760 --> 02:06:46.439 insurance company, whoop, she might have walked in there, but 2489 02:06:46.840 --> 02:06:50.319 justin since that insurance company did not offer her that, 2490 02:06:50.920 --> 02:06:52.800 what does she do at this point to get that 2491 02:06:52.920 --> 02:06:55.560 diminish value because they never cough it up? 2492 02:06:55.600 --> 02:06:57.199 Do they not? 2493 02:06:57.399 --> 02:06:57.840 Easily? 2494 02:06:57.960 --> 02:07:01.680 Yeah, you have to demand it and you know that 2495 02:07:02.399 --> 02:07:05.960 it is the amount I should say, document the amounts 2496 02:07:06.000 --> 02:07:06.560 that dragging for. 2497 02:07:06.960 --> 02:07:09.239 So they never So here's what I'm saying. They never 2498 02:07:09.319 --> 02:07:11.520 gave the first thing we were talking about, is that 2499 02:07:11.600 --> 02:07:15.279 her all right? So so listen, Emily, they never gave 2500 02:07:15.319 --> 02:07:19.279 you any value of what what did you call that? 2501 02:07:19.760 --> 02:07:23.920 For the paint? I forgot what you called it? Justin 2502 02:07:24.039 --> 02:07:27.720 b Yeah, yeah, yeah, they didn't give you the appearance. 2503 02:07:27.760 --> 02:07:30.680 So listen to Emily. They didn't give you the appearance allowance, 2504 02:07:31.279 --> 02:07:33.159 nor did they paint it right, And you're not happy. 2505 02:07:33.159 --> 02:07:35.279 Hopefully they get the drips and stuff fixed. That's a 2506 02:07:35.279 --> 02:07:38.680 different issue. Nor did they give you anything for the 2507 02:07:38.760 --> 02:07:42.039 diminished value. Here's what I want you to do. I 2508 02:07:42.079 --> 02:07:44.279 don't know how well this is going to align, but 2509 02:07:44.439 --> 02:07:47.159 I would guess if this was just in dealing with this, 2510 02:07:47.720 --> 02:07:50.840 you would be looking at anywhere from fifteen hundred to 2511 02:07:50.960 --> 02:07:54.279 two thousand dollars more and some of that cash in 2512 02:07:54.359 --> 02:07:58.079 your pocket the diminished value because your vehicle simply is 2513 02:07:58.119 --> 02:08:01.239 not worth how much it is now prior to the accident. 2514 02:08:01.520 --> 02:08:03.520 So here's the deal. I'm going to give you his 2515 02:08:03.680 --> 02:08:06.560 phone number and website. I want you to call him 2516 02:08:06.960 --> 02:08:10.399 and talk to him about diminish value and how to 2517 02:08:10.479 --> 02:08:13.439 get it and how much he thinks it is. He'll 2518 02:08:13.439 --> 02:08:16.439 ask you some basic questions about the vehicle, all right, 2519 02:08:18.840 --> 02:08:21.079 will do absolutely, thank you, and I want you to 2520 02:08:21.199 --> 02:08:24.000 check back in with us. Don't you forget to call 2521 02:08:24.079 --> 02:08:25.960 back in and say, hey, job, well done. 2522 02:08:26.000 --> 02:08:30.960 Okay, I absolutely will. I'll be excited to place by call. 2523 02:08:31.159 --> 02:08:35.840 Yes, I love that, Emily, Okay, Justin H. Petty diminished 2524 02:08:36.159 --> 02:08:41.279 Valueexpert dot com. Diminished Value Expert dot Com. His phone 2525 02:08:41.359 --> 02:08:44.760 numbers two one, four, two, two seven two, one, five, four, 2526 02:08:45.640 --> 02:08:48.640 I've got to take this quick break. But actually, hey, Justin, 2527 02:08:48.720 --> 02:08:53.479 I appreciate that man. Anybody out there, this guy's absolutely wonderful. 2528 02:08:53.520 --> 02:08:55.640 He helps a lot of our callers out for free. 2529 02:08:55.680 --> 02:08:59.000 Hey real quick, John Fuller. Listen one of the things 2530 02:08:59.039 --> 02:09:01.119 she said, and it kind of grabbed my ear at 2531 02:09:01.159 --> 02:09:03.720 the beginning. And we've got to do this real quick. 2532 02:09:03.720 --> 02:09:06.760 But this drives me crazy. I asked, just because she 2533 02:09:06.840 --> 02:09:09.039 got rear ended and the vehicle has been in the 2534 02:09:09.039 --> 02:09:11.960 shop for a while. I said, you have injuries. She goes, 2535 02:09:12.079 --> 02:09:14.880 she kind of hesitated. She was like yeah, And I 2536 02:09:15.000 --> 02:09:18.000 was like, well, ambulance hospital, what happened? She goes, No, 2537 02:09:18.119 --> 02:09:20.439 But you know, I guess you call it whiplash. I 2538 02:09:20.439 --> 02:09:23.079 had to go to my primary care a few times, 2539 02:09:23.119 --> 02:09:25.239 and you know, I hurt for a little bit. But 2540 02:09:25.479 --> 02:09:29.279 she never called an attorney. But she literally has bills, 2541 02:09:29.319 --> 02:09:33.439 She probably had a copay, She probably had some lost 2542 02:09:33.560 --> 02:09:36.880 time at work. I mean, when do you call an attorney? 2543 02:09:36.880 --> 02:09:38.920 And John, I got to try to keep you under 2544 02:09:38.920 --> 02:09:40.199 a minute. You know the deal? 2545 02:09:42.039 --> 02:09:44.439 Everything I know in one minute or left. Here's the thing, 2546 02:09:44.560 --> 02:09:46.880 just like Justin said, the insurance companies are never just 2547 02:09:46.920 --> 02:09:50.000 going to volunteer to pay you what they're lawfully required 2548 02:09:50.319 --> 02:09:54.199 and are lawfully responsible for. And in Colorado, the at 2549 02:09:54.199 --> 02:09:57.039 Fall party is responsible for all of those damages. So 2550 02:09:57.119 --> 02:09:59.560 when you go to the doctor, you pay those copays, 2551 02:10:00.119 --> 02:10:03.159 use your health insurance. All of those avenues are really 2552 02:10:03.479 --> 02:10:06.640 supposed to be repaid out of the proceeds of the settlement. 2553 02:10:06.960 --> 02:10:09.760 You have to go out and advocate for yourself to 2554 02:10:10.239 --> 02:10:12.880 you know, to successfully pull that off, or you need 2555 02:10:12.920 --> 02:10:15.560 to call some money like myself. If you don't do it, 2556 02:10:15.680 --> 02:10:18.079 they're not going to remind you, and you just kind 2557 02:10:18.119 --> 02:10:21.199 of gave up on the entire opportunity to be taken 2558 02:10:21.239 --> 02:10:23.239 care of and to be pay They made hold. 2559 02:10:23.359 --> 02:10:25.760 It is a total side note, not like I'm fighting 2560 02:10:25.800 --> 02:10:30.000 for healthcare insurance companies, but honestly, how insurance works. If 2561 02:10:30.039 --> 02:10:33.199 you're hurting an accident and they have insurance, Ultimately those 2562 02:10:33.239 --> 02:10:36.600 people are supposed to be paying, not you paying a deductible, 2563 02:10:36.960 --> 02:10:40.239 not your insurance, your health insurance company paying for it. 2564 02:10:40.479 --> 02:10:43.479 The other people are the ones that are supposed to 2565 02:10:43.520 --> 02:10:46.119 pay for it. I mean, right, John, is that not 2566 02:10:46.199 --> 02:10:46.920 how it works? 2567 02:10:47.279 --> 02:10:49.199 That's absolutely the way it's supposed to work. 2568 02:10:49.319 --> 02:10:51.840 Yeah, So everybody kind of gets ripped off when it's 2569 02:10:51.880 --> 02:10:54.439 not done the right way. Listen, John Fuller will take 2570 02:10:54.520 --> 02:10:57.239 any call you have on personal injury. John, I appreciate it. 2571 02:10:57.279 --> 02:11:00.319 Three ZHO three five nine seven forty five hundred. He'll 2572 02:11:00.359 --> 02:11:01.720 be with us tomorrow too as well