WEBVTT 1 00:00:00.480 --> 00:00:05.960 Yeah, ripped up. 2 00:00:07.400 --> 00:00:10.599 News need so you don't. 3 00:00:10.359 --> 00:00:15.080 Have come a run anxious success as we can. 4 00:00:16.359 --> 00:00:20.800 Shooter's gonna help coming man, This is. 5 00:00:20.679 --> 00:00:27.559 The Troubleshooter Show. No, Tom Martinez, Hey, what's happening? We 6 00:00:27.640 --> 00:00:30.519 have a lot to talk about today. Welcome to the show. 7 00:00:30.640 --> 00:00:33.799 Three oh three seven one three Talk. Three oh three 8 00:00:33.880 --> 00:00:35.600 seven one three eight two five five. As you know, 9 00:00:35.640 --> 00:00:37.320 this is the only show that talks about what to buy, 10 00:00:37.320 --> 00:00:39.240 where to buy, when to buy, why to buy, who 11 00:00:39.320 --> 00:00:41.799 to avoid, who to frequent, what you should do, what 12 00:00:41.840 --> 00:00:44.039 you shouldn't do, and what to do if you've been 13 00:00:44.079 --> 00:00:45.759 ripped off? Where do you go for help? And we 14 00:00:45.880 --> 00:00:49.039 got all kinds of things to talk about and people 15 00:00:49.119 --> 00:00:51.520 to help, and we have with us today in the 16 00:00:51.560 --> 00:00:56.719 studio as you'll see Major Mark Major of course. And 17 00:00:56.759 --> 00:00:59.479 then we have Nick Gravina. 18 00:01:01.000 --> 00:01:04.319 Nick, how you doing? 19 00:01:06.239 --> 00:01:09.319 Yeah, that's your dad. Gravina's got the great windows anyway. 20 00:01:09.480 --> 00:01:13.400 And then I believe that's Deputy Dollar over there, the 21 00:01:13.719 --> 00:01:14.480 Deputy Dollar. 22 00:01:14.519 --> 00:01:14.840 Welcome. 23 00:01:14.920 --> 00:01:19.280 So we're here and we're here and we're helping you. 24 00:01:19.840 --> 00:01:21.959 So all you have to do is call three O 25 00:01:22.079 --> 00:01:24.120 three seven one three talk. And then of course here 26 00:01:25.120 --> 00:01:29.200 I'm here along with Deputy d and we're here to 27 00:01:29.280 --> 00:01:33.079 help you with all of your problems. So right now 28 00:01:34.079 --> 00:01:38.040 we will go by the way to any problem, question 29 00:01:38.120 --> 00:01:41.200 or complaint you call about. But right now we have Nick, 30 00:01:42.040 --> 00:01:44.920 so we're gonna get right to it. Nick, what would 31 00:01:44.959 --> 00:01:49.519 you say as far as windows A lot of people 32 00:01:50.000 --> 00:01:53.000 believe they need. Now this this is a trick question. 33 00:01:53.079 --> 00:01:55.319 I'm gonna warn you up front. A lot of people 34 00:01:55.359 --> 00:02:03.879 think they need the highest let's say, efficiency window, but 35 00:02:03.920 --> 00:02:07.480 they don't necessarily When do they not need the highest 36 00:02:07.519 --> 00:02:08.360 officienty or do you. 37 00:02:08.360 --> 00:02:09.639 Think they do? 38 00:02:09.639 --> 00:02:12.560 Do you think even in an older house that leaks 39 00:02:12.599 --> 00:02:16.360 like a sieve, great windows will do great things? Or 40 00:02:16.400 --> 00:02:18.280 do you think it's kind of a waste or overkill. 41 00:02:18.319 --> 00:02:20.479 I'm trying to get your feel on this. 42 00:02:21.039 --> 00:02:22.960 You know, I think it really kind of depends on 43 00:02:23.000 --> 00:02:24.759 how the house is set up. You know, an old 44 00:02:24.840 --> 00:02:28.800 nineteen hundreds bungalow that doesn't have insulation and cracks everywhere, 45 00:02:28.840 --> 00:02:31.759 you can put in the highest efficient window and it'll help. 46 00:02:31.800 --> 00:02:35.759 But excuse me, is it really you know, overpaying at 47 00:02:35.800 --> 00:02:38.599 that point? Possibly? You know, again, you take a house 48 00:02:38.639 --> 00:02:40.840 as a bunch of trees around it, you don't get 49 00:02:40.879 --> 00:02:43.879 tons of sun you know, we can formulate the glass 50 00:02:43.919 --> 00:02:48.560 packages to kind of help the actual you know, house itself, 51 00:02:48.680 --> 00:02:52.039 you know, so putting in some crazy triple pain where 52 00:02:52.240 --> 00:02:54.240 you know, you have some solar gain, you want to 53 00:02:54.240 --> 00:02:57.360 gain mirror, yeah, all that stuff, you know. So it's 54 00:02:57.400 --> 00:02:59.520 really how the house is set up, how old it is, 55 00:02:59.560 --> 00:03:02.319 what the We try to ask people what they're you know, 56 00:03:02.319 --> 00:03:04.560 what their hot button is like, is it too cold, 57 00:03:04.599 --> 00:03:06.879 is it too hot, is it too noisy? And we 58 00:03:06.960 --> 00:03:08.400 try to go from there and then we can kind 59 00:03:08.400 --> 00:03:11.080 of formulate because I think you can overpay, but some 60 00:03:11.120 --> 00:03:13.960 people want the best for the future, and that's great too, 61 00:03:14.120 --> 00:03:15.759 you know. So it's just, you know, it depends on 62 00:03:15.800 --> 00:03:16.199 the person. 63 00:03:18.039 --> 00:03:20.159 I think, if you're going to go with those windows, 64 00:03:20.159 --> 00:03:27.719 you may as well you may as well take the 65 00:03:27.840 --> 00:03:31.319 efficiency budget, so to speak, and split it. In other words, 66 00:03:31.360 --> 00:03:34.080 do some of your walls insulating and other things as well, 67 00:03:34.120 --> 00:03:34.960 not just the windows. 68 00:03:35.000 --> 00:03:37.240 Now windows, windows, of course, are. 69 00:03:37.199 --> 00:03:41.560 The biggest loss of energy anyway in any house, just 70 00:03:41.599 --> 00:03:44.199 because they're glass. You got to see out of them. Now, 71 00:03:44.360 --> 00:03:47.800 insulated glass units have come a long way over the years. 72 00:03:48.120 --> 00:03:50.719 An insulated glass unit, by the way, for those listening, 73 00:03:51.759 --> 00:03:59.280 is simply a unit where you have two pieces of 74 00:03:59.360 --> 00:04:02.879 glass and in between something else or three pieces of glass, 75 00:04:03.319 --> 00:04:10.800 and it's basically a really good option an insulated glass unit. 76 00:04:11.479 --> 00:04:14.680 So if you had to talk about an insulated glass unit, 77 00:04:15.759 --> 00:04:21.920 what is the highest efficiency you can get if you 78 00:04:22.000 --> 00:04:24.000 wanted to go with a high Now you have both 79 00:04:24.000 --> 00:04:28.040 the window frame and then you have the IGU insulated 80 00:04:28.040 --> 00:04:32.600 glass unit. Now what's the hot First of all, for frames, 81 00:04:33.439 --> 00:04:36.959 aren't they all about the same for heat transfer except 82 00:04:37.000 --> 00:04:43.240 for straight aluminum and metal for example, wood, fiberglass, vinyl, 83 00:04:43.560 --> 00:04:45.399 aren't they all pretty well. 84 00:04:47.639 --> 00:04:48.759 Good insulators? 85 00:04:49.160 --> 00:04:52.240 Yeah, the frames are always usually you know, very similar. 86 00:04:52.279 --> 00:04:54.160 But you know the thing where some of the vinyls 87 00:04:54.160 --> 00:04:56.639 and the fiberglass over wood. These days, a lot of 88 00:04:56.639 --> 00:04:59.920 them are coming with foam filled frames, so that helps, 89 00:05:00.120 --> 00:05:01.920 you know, it's kind of like putting the same stuff 90 00:05:01.959 --> 00:05:05.000 they put in like coolers in between the frames. 91 00:05:05.319 --> 00:05:07.600 So wood is always you know. 92 00:05:07.639 --> 00:05:08.319 Solid wood. 93 00:05:08.439 --> 00:05:10.199 Where you know, you get a vinyl or five glass, 94 00:05:10.199 --> 00:05:11.800 they usually have a hollow frame, and a lot of 95 00:05:11.839 --> 00:05:14.720 them are starting to move to the insulated frames, so 96 00:05:14.759 --> 00:05:17.079 it's definitely basically, what do you think what do you 97 00:05:17.079 --> 00:05:19.560 think are the best insulating qualities when when it comes 98 00:05:19.600 --> 00:05:22.240 to frames, you know, I do, I do think that 99 00:05:22.519 --> 00:05:25.360 a foam filled frame definitely helps. You know, again, the 100 00:05:25.639 --> 00:05:27.959 dead air space is good, but having the combination of 101 00:05:28.000 --> 00:05:30.439 both is definitely you know what I think is the 102 00:05:30.480 --> 00:05:32.120 top as far as insulating. 103 00:05:32.800 --> 00:05:35.279 And then on the glass unit doesn't matter if it's 104 00:05:35.319 --> 00:05:38.040 eighth inch or quartera inch or whatever they whatever the 105 00:05:38.079 --> 00:05:41.360 glass thickness has come. Does it matter how thick each 106 00:05:41.439 --> 00:05:44.079 pain is as far as insulating quality. 107 00:05:44.560 --> 00:05:45.000 It does. 108 00:05:45.040 --> 00:05:47.160 You know, it's a there's a controversy out there, right. 109 00:05:47.240 --> 00:05:49.800 So you know, the bigger the air gap, technically, the 110 00:05:49.839 --> 00:05:51.959 more insulated it can be. So if you go to 111 00:05:52.000 --> 00:05:55.240 a triple pain, you actually get smaller you know, pockets 112 00:05:55.279 --> 00:05:57.120 of air. But now you have two pockets of air, 113 00:05:57.480 --> 00:05:59.079 and then in some windows we can fill that with 114 00:05:59.160 --> 00:06:02.519 ar gun or krypton gas. So yeah, So if you 115 00:06:02.560 --> 00:06:05.560 take single strength glass on a one inch and say 116 00:06:05.560 --> 00:06:07.079 a glass you know on both sides, you get a 117 00:06:07.079 --> 00:06:09.600 bigger airspace in the middle where you might end up 118 00:06:09.600 --> 00:06:13.160 being more energy efficient. But the glass is thinner. So 119 00:06:13.240 --> 00:06:14.959 if you go to a double quarter inch, you're gonna 120 00:06:14.959 --> 00:06:17.879 have a smaller gap in between them, even though the 121 00:06:17.879 --> 00:06:20.279 glass is gonna be really stound, maybe helpless sound. You 122 00:06:20.279 --> 00:06:22.360 probably won't get as efficient at that time. 123 00:06:25.160 --> 00:06:29.759 Okay, so now when we talk about fifty lines of windows, 124 00:06:31.560 --> 00:06:35.759 what the hell could be different? We Okay, here are 125 00:06:35.800 --> 00:06:38.800 the components that I see, the main components, the frame, 126 00:06:39.720 --> 00:06:43.639 the hardware, and the glass, right, aren't they the three 127 00:06:43.639 --> 00:06:50.560 main components and warranties usually Okay, obviously, but as far 128 00:06:50.600 --> 00:06:53.439 as construction, a lot of them are very similar. 129 00:06:53.519 --> 00:06:55.639 I think a lot of them come down to, you know, 130 00:06:55.800 --> 00:07:00.800 how are they constructed? You know, options, options are huge now. 131 00:07:00.959 --> 00:07:03.360 Right in the in the nineties, you know, there was 132 00:07:03.480 --> 00:07:08.240 white and beige vinyl windows and a lowy glass, right 133 00:07:08.240 --> 00:07:10.759 that was kind of the normal back then. And now 134 00:07:10.920 --> 00:07:14.800 you're talking tons of colors outside, tons of colors inside, 135 00:07:15.240 --> 00:07:18.680 you know, tons of lowe options, you know, double coach, 136 00:07:18.759 --> 00:07:22.800 triple coats inside, surfaces, sound control. You know, it's it's 137 00:07:22.839 --> 00:07:26.519 a combination of all that. And some manufacturers stick just 138 00:07:26.560 --> 00:07:28.680 with still the basics, you know, just one or two 139 00:07:28.680 --> 00:07:31.959 colors and a couple things. Some go tons of colors, 140 00:07:32.040 --> 00:07:34.759 tons of glass, double triple, you know, and then and 141 00:07:34.800 --> 00:07:37.720 then glass brigage, warranties, all sorts of you know, there's 142 00:07:37.800 --> 00:07:39.000 so many options anymore. 143 00:07:41.279 --> 00:07:43.680 Okay, By the way, if you have any questions on anything, 144 00:07:43.720 --> 00:07:47.439 not just glass and the windows and stuff around the house. 145 00:07:47.480 --> 00:07:49.040 But if you have a problem question, plight you give 146 00:07:49.079 --> 00:07:51.560 us a call three L three seven one three top 147 00:07:51.639 --> 00:07:53.600 three oh three seven one three eight two five five. 148 00:07:54.079 --> 00:07:57.519 So I got some some texts here. You can always 149 00:07:57.560 --> 00:08:00.800 text me at my private number here and directly to me. 150 00:08:00.879 --> 00:08:02.000 You don't have to put anything in it. 151 00:08:02.079 --> 00:08:04.120 I get it on my cell phone on my computer 152 00:08:04.759 --> 00:08:07.560 twenty four to seven. Here's the number seven four seven 153 00:08:07.639 --> 00:08:11.600 nine nine nine fifty two eighty seven four seven nine 154 00:08:11.680 --> 00:08:16.279 nine nine fifty two eighty I have one here at GERMS. 155 00:08:16.319 --> 00:08:19.079 Yesterday we talked about infections and bacteria. I think it 156 00:08:19.120 --> 00:08:21.319 was yesterday the day before. Some of the dirty places 157 00:08:22.480 --> 00:08:26.079 in your office, in your home, on planes, hotel rooms, whatever. 158 00:08:27.240 --> 00:08:31.439 Someone said that they listen to what they do when 159 00:08:31.480 --> 00:08:40.039 they travel. They use nicotine tablets. They say that nicotine 160 00:08:41.080 --> 00:08:45.279 blocks infection and receptors and blah blah blah. Now I 161 00:08:45.320 --> 00:08:49.120 looked it up. Now you know, obviously I don't know 162 00:08:49.159 --> 00:08:52.879 what I'm talking about when it comes to nicotine. But 163 00:08:53.399 --> 00:08:55.960 all I know is when I look up what I 164 00:08:56.120 --> 00:09:01.559 found universally is that they're there's no clinical trials on 165 00:09:02.200 --> 00:09:03.480 nicotine at all. 166 00:09:04.720 --> 00:09:07.879 You're stirring over there. Why are you stirring? 167 00:09:08.480 --> 00:09:08.679 Oh? 168 00:09:08.840 --> 00:09:12.399 I was just showing my bottle of nicotine, Lois. I'm 169 00:09:12.399 --> 00:09:14.679 not a smoker, and I don't want to be a smoker. 170 00:09:15.039 --> 00:09:18.720 But I've been experimenting with nicotine since the last spring. 171 00:09:19.480 --> 00:09:25.960 What and you'll be experimenting why forever? Because it's like heroin. No, no, 172 00:09:26.120 --> 00:09:28.639 it is the hardest thing I ever did in my 173 00:09:28.759 --> 00:09:30.399 life was give up nicotine. 174 00:09:32.679 --> 00:09:33.000 Hmmm. 175 00:09:33.759 --> 00:09:36.519 You know there is somebody of research out there that's 176 00:09:36.600 --> 00:09:38.639 difficult to find, but you can still find it on 177 00:09:38.679 --> 00:09:43.279 the internet about the benefits of nicotine. Now, not smoking, 178 00:09:43.320 --> 00:09:45.519 I want to be really clear about that, Okay, but 179 00:09:45.639 --> 00:09:46.759 nicotine itself. 180 00:09:47.039 --> 00:09:49.879 You can find the benefits of eating poopy on the internet. 181 00:09:50.559 --> 00:09:57.519 Okay, Well, you're atacious or whatever it is ditmacious, but 182 00:09:57.600 --> 00:10:01.000 I can tell you that it's in my case at least, 183 00:10:01.320 --> 00:10:02.799 it's been wonderful. 184 00:10:02.440 --> 00:10:08.320 Wonderful how well, So it does gives you. 185 00:10:07.279 --> 00:10:09.679 No, not that it doesn't have a stimulant effect on me, 186 00:10:10.360 --> 00:10:13.600 but it helps me concentrate to the extent I. 187 00:10:13.639 --> 00:10:16.960 Wasn't able to when there is stimulating. Okay, Yeah, you're 188 00:10:16.960 --> 00:10:17.519 totally right. 189 00:10:17.639 --> 00:10:17.840 Yeah. 190 00:10:18.440 --> 00:10:22.080 Uh, it's also an incredible appetite suppressor. Now, I don't 191 00:10:23.000 --> 00:10:26.440 irression of appetite, but I do find that I can 192 00:10:26.480 --> 00:10:29.240 easily go through a day with only one meal if 193 00:10:29.279 --> 00:10:31.600 I continue to occasionally use a nicotine. 194 00:10:31.679 --> 00:10:33.759 But if you stop taking them, now, you're you're kind 195 00:10:33.759 --> 00:10:34.720 of going to be addicted to me. 196 00:10:34.840 --> 00:10:36.279 No, I experiment with that. 197 00:10:36.399 --> 00:10:39.120 I mean, so, why would you be the only one? 198 00:10:39.399 --> 00:10:39.960 So? Well? 199 00:10:40.000 --> 00:10:42.399 No, there is no evidence out there to suggest that 200 00:10:42.480 --> 00:10:45.759 nicotine and nonsmokable form is addictive. 201 00:10:47.879 --> 00:10:51.440 I sucked down those lozengers for how many years, Suzanne? 202 00:10:51.679 --> 00:10:54.039 A good ten plus ten years. It took me to 203 00:10:54.080 --> 00:10:56.120 get off what you're on right now, bro. 204 00:10:57.679 --> 00:11:00.960 Well Mark, over the past year, I've had two entire 205 00:11:01.039 --> 00:11:04.200 months where I quit nicotine, loes and just cold turkey, okay, 206 00:11:04.240 --> 00:11:07.720 and I never craved a single one of them. 207 00:11:08.039 --> 00:11:08.720 Well, look at it. 208 00:11:08.720 --> 00:11:11.679 I'm not okay, and I'm not saying everybody will have these. 209 00:11:12.240 --> 00:11:16.919 But do you feel nicotine helps with board off infectionist? 210 00:11:16.960 --> 00:11:17.879 I've never heard of that. 211 00:11:18.360 --> 00:11:21.159 Oh well, then why do you do it? Well, you 212 00:11:21.240 --> 00:11:22.120 were never a smoker. 213 00:11:22.360 --> 00:11:25.200 He's addicted to even a smoker, but he. 214 00:11:25.120 --> 00:11:27.159 Would I know, But why did he start Mark? He 215 00:11:27.240 --> 00:11:29.200 was never a smoker. We got to take a break 216 00:11:29.200 --> 00:11:30.080 and we'll talk about. 217 00:11:29.840 --> 00:11:30.279 It any more. 218 00:11:30.320 --> 00:11:33.039 But but really I'd love to hear people's health hacks, 219 00:11:33.360 --> 00:11:35.919 not that I can brag about it, but and then 220 00:11:35.919 --> 00:11:37.840 we have Steve that wants to talk about a parking 221 00:11:37.840 --> 00:11:40.960 ticket scam eleven thousand that there's got to be somewhere 222 00:11:41.039 --> 00:11:44.000 on here. Ruthie wants to talk about a moving company issue. 223 00:11:44.000 --> 00:11:50.000 All of this coming up on the Troubleshooter Show. Go 224 00:11:50.120 --> 00:11:53.840 with a sure thing Denver's Best roofer Excel Roofing dot com. 225 00:11:53.879 --> 00:11:59.600 You don't pay a cent until you're content, time for 226 00:11:59.600 --> 00:12:02.480 a nure and check up free, no obligation. In comparison, 227 00:12:02.600 --> 00:12:06.159 call Compass Insurance paying too much your coverage at dozens 228 00:12:06.200 --> 00:12:08.919 of insurance companies find out now three oh three seven 229 00:12:09.039 --> 00:12:11.840 seven to one help. You'll think you're his only customer 230 00:12:11.879 --> 00:12:14.120 when you choose Frank durand the real estate Man dot 231 00:12:14.159 --> 00:12:17.480 com to list your home with Remax Alliance three oh 232 00:12:17.519 --> 00:12:24.120 three nine two zero sixteen twenty two. Hey Tom Martino, 233 00:12:24.240 --> 00:12:28.200 here this hour b reach you bywaterpros dot net. You're 234 00:12:28.240 --> 00:12:30.679 talking about the absolute best water systems at the lowest 235 00:12:30.679 --> 00:12:32.360 price is anywhere, and I put my name on that. 236 00:12:32.879 --> 00:12:34.720 I've known Paul the waterman for years. I'm going to 237 00:12:34.759 --> 00:12:37.759 tell you something. A whole house conditioning system, softener, get 238 00:12:37.840 --> 00:12:42.399 rid of forever chemicals, microplastics, and drinking water at the 239 00:12:42.440 --> 00:12:45.120 kitchen sink, all for thirty one ninety five. I'm telling you, 240 00:12:45.120 --> 00:12:47.480 you go to a plumber. You will not get this 241 00:12:47.559 --> 00:12:52.240 for under fifteen grand. I'm not kidding you. Thirty one 242 00:12:52.519 --> 00:12:57.960 ninety five water pros dot Nen. Okay, let's go, Steve. 243 00:12:58.480 --> 00:13:02.679 What's going on? I'm reading this right. There's a ticket 244 00:13:02.720 --> 00:13:05.559 scam going on. Yeah, what's happening? 245 00:13:05.639 --> 00:13:05.799 Man? 246 00:13:06.559 --> 00:13:11.279 Okay, tell me what's going on? Okay. I ducked into 247 00:13:11.320 --> 00:13:14.240 a parking garage at one fifty eighth Steal, which is 248 00:13:14.360 --> 00:13:17.879 Cherry Creek, to get out of the hailstorm. I was 249 00:13:17.919 --> 00:13:21.200 down there for a few hours. I pulled out. They 250 00:13:21.279 --> 00:13:24.519 took some pictures of my truck. The gate seemed like 251 00:13:24.519 --> 00:13:26.440 it was broken or something up at the top. I 252 00:13:26.480 --> 00:13:28.159 just went up the other side and went out. I 253 00:13:28.200 --> 00:13:31.360 didn't think anything more of it, and that wasn't the problem. 254 00:13:31.600 --> 00:13:35.279 The problem was is this letters showed up ninety four 255 00:13:35.320 --> 00:13:38.279 of them over six months. I intended to pay, but 256 00:13:38.360 --> 00:13:42.440 I just was a little tight last week on Monday. 257 00:13:42.519 --> 00:13:45.440 Yeah, you understand, you understand. I have to ask questions 258 00:13:45.440 --> 00:13:48.440 because it does make sense. You got ninety four letters. 259 00:13:48.799 --> 00:13:51.360 I need you to paint the picture. You pulled into 260 00:13:51.440 --> 00:13:54.720 the parking garage. The parking garage is a normal parking 261 00:13:54.720 --> 00:13:59.519 garage with an arm or a gate that goes up, right, yes, sir, 262 00:14:00.759 --> 00:14:02.840 and then you take you take a ticket? 263 00:14:02.960 --> 00:14:03.480 Is that right? 264 00:14:04.519 --> 00:14:07.559 I got the ticket in the mail, and I got the. 265 00:14:07.720 --> 00:14:11.919 No no, no no no, Steve, Steve, Steve when you parked. 266 00:14:12.440 --> 00:14:14.279 I really need to take this one step at a 267 00:14:14.320 --> 00:14:17.320 time because I have to understand it. First, you pulled 268 00:14:17.360 --> 00:14:21.399 into the parking garage. Normally in a parking garage, the 269 00:14:21.559 --> 00:14:23.679 arm goes up and you pull a ticket or something, 270 00:14:23.799 --> 00:14:24.279 or you pull a. 271 00:14:24.279 --> 00:14:24.879 Ticket to arm. 272 00:14:25.240 --> 00:14:28.360 Did you get a ticket for parking in that garage? 273 00:14:28.399 --> 00:14:29.200 When you went in there? 274 00:14:30.120 --> 00:14:32.960 Where was a guy up at the gate? He could 275 00:14:33.039 --> 00:14:35.480 he got out of his car. He's having trouble with 276 00:14:35.600 --> 00:14:38.279 the gate. And I said that for a while and 277 00:14:38.320 --> 00:14:41.159 he wasn't going through. So I went up the other 278 00:14:41.279 --> 00:14:42.279 side and came out. 279 00:14:43.600 --> 00:14:45.960 What's the other, Okay, came out. 280 00:14:46.320 --> 00:14:50.240 I'm talking about I'm talking about when you went in 281 00:14:50.240 --> 00:14:52.919 to the garage, not when you came out. When you 282 00:14:52.960 --> 00:14:57.159 went into the parking garage, how did you enter it? 283 00:14:58.320 --> 00:15:02.960 I entered in through the gate, and I didn't really 284 00:15:03.000 --> 00:15:07.000 realize you will never park in these places. I didn't 285 00:15:07.039 --> 00:15:09.519 see anything about a ticket. I didn't see anything about pay. 286 00:15:09.639 --> 00:15:12.240 Okay, I get it, I get it. So you went 287 00:15:12.279 --> 00:15:15.440 into the garage and waited a few hours, and then 288 00:15:15.480 --> 00:15:18.440 when you were trying to get out, you went out 289 00:15:18.480 --> 00:15:23.840 the other way because the gate wasn't working. Yes, sir, okay, 290 00:15:24.360 --> 00:15:26.120 you got some letters in the mail. 291 00:15:27.159 --> 00:15:30.480 Yes, I started getting letters in the mail every other day. 292 00:15:30.519 --> 00:15:34.960 They showed up, one from Daniel B. Kelly and the 293 00:15:35.039 --> 00:15:41.559 other one from Parking Revenue Recovery Services for ninety two dollars. 294 00:15:42.080 --> 00:15:45.360 And there were okay last week. Last week, when I 295 00:15:45.399 --> 00:15:48.440 went to call and pay the ticket on the phone, 296 00:15:49.120 --> 00:15:52.679 the lady said, okay, I'll get your twenty percent off 297 00:15:52.720 --> 00:15:56.240 on this. I said, on ninety two. Fine. She came 298 00:15:56.279 --> 00:15:59.200 back and she said, that's nine thousand. I'll take it 299 00:15:59.320 --> 00:16:02.600 twenty percent off and you're paying just I think it 300 00:16:02.759 --> 00:16:08.639 was six dollars and I said, okay. 301 00:16:08.360 --> 00:16:13.320 Now, Steve, Steve, when you first went in there? 302 00:16:13.360 --> 00:16:14.159 What was the date? 303 00:16:16.200 --> 00:16:19.639 So that would have been right about August, about six 304 00:16:19.679 --> 00:16:20.279 months ago. 305 00:16:21.919 --> 00:16:23.159 Okay, when when? 306 00:16:23.279 --> 00:16:23.480 When? 307 00:16:23.600 --> 00:16:24.519 Here's what I want to know. 308 00:16:24.840 --> 00:16:27.600 Are they I'm not asking if you agree, I'm not 309 00:16:27.720 --> 00:16:30.960 asking for your opinion, but are they kind of claiming 310 00:16:31.039 --> 00:16:34.519 that you were parked there continually because there was no 311 00:16:34.559 --> 00:16:37.039 record of you leaving? So there was a record of 312 00:16:37.080 --> 00:16:40.240 you coming in, but no record of you leaving because 313 00:16:40.279 --> 00:16:43.320 you left out of the entrance. Is it possible when 314 00:16:43.360 --> 00:16:46.039 they were sending you letters that they were saying that 315 00:16:46.120 --> 00:16:49.039 your car is still parked there and they were charging 316 00:16:49.080 --> 00:16:49.679 by the day. 317 00:16:50.840 --> 00:16:53.399 No, they got a picture of me coming in, and 318 00:16:53.440 --> 00:16:56.240 then they got a picture of me going out, and 319 00:16:56.320 --> 00:17:01.279 they got okay, okay, got it, then backed out at 320 00:17:01.360 --> 00:17:02.000 four thirty. 321 00:17:03.039 --> 00:17:07.119 Then then why are they saying you owe nine? Then 322 00:17:07.119 --> 00:17:09.000 when did you get your first letter? 323 00:17:10.240 --> 00:17:13.880 And I'm a first letter just shortly after that, probably 324 00:17:13.960 --> 00:17:16.240 maybe like a few days or a week. 325 00:17:17.079 --> 00:17:20.480 And when you got your first letter, how much did 326 00:17:20.480 --> 00:17:21.200 it say you. 327 00:17:21.079 --> 00:17:25.759 Owed ninety two dollars due on each of these from 328 00:17:25.880 --> 00:17:29.319 Daniel Kelly and the parking Revenue Recovery. They both say, 329 00:17:29.440 --> 00:17:34.400 ninety two dollars due, and then I received letter after 330 00:17:34.559 --> 00:17:38.519 letter after three a week until it mounted up to 331 00:17:38.599 --> 00:17:42.440 ninety four. And then I tried to call them up 332 00:17:42.720 --> 00:17:43.799 on last Monday. 333 00:17:44.680 --> 00:17:47.839 But when you got your first letter, when you got 334 00:17:47.880 --> 00:17:52.519 your first letter, did you let them know immediately or 335 00:17:52.559 --> 00:17:54.279 pay it immediately or what did you do? 336 00:17:55.440 --> 00:17:57.880 Well? I just dragging my feet. It's been a little 337 00:17:57.920 --> 00:18:00.599 tight and I just wasn't able to, you know, really 338 00:18:00.640 --> 00:18:03.759 pull it up. Okay, letters were stacking up, and then 339 00:18:04.000 --> 00:18:06.519 I got a little ahead here lately, and so I 340 00:18:06.559 --> 00:18:09.640 wanted to pay this thing off. And when I did that, yeah, 341 00:18:09.759 --> 00:18:13.160 we shot that nine thousand dollars at me twenty percent off. 342 00:18:13.599 --> 00:18:16.640 Now the other thing is is since I called on Monday, 343 00:18:16.720 --> 00:18:19.960 this sent me another fifteen tickets. Some of them have 344 00:18:20.680 --> 00:18:22.960 three coffees in each letter. 345 00:18:23.279 --> 00:18:24.599 I'm sorry. 346 00:18:24.680 --> 00:18:27.240 You can go on to their website and it shows 347 00:18:27.240 --> 00:18:29.759 that I have I owe ninety two dollars for every 348 00:18:30.039 --> 00:18:31.359 letter and it's been over. 349 00:18:31.440 --> 00:18:33.200 It's okay, I get it. 350 00:18:33.279 --> 00:18:34.960 I get it. 351 00:18:34.720 --> 00:18:36.799 It's a technical I'm familiar with that company. 352 00:18:36.960 --> 00:18:39.960 By the way, I'm familiar with parking garages and parking lotses. 353 00:18:40.000 --> 00:18:43.640 I own some and they're privately managed, meaning I hire 354 00:18:43.680 --> 00:18:46.799 a company to do this. And what they do is 355 00:18:46.880 --> 00:18:51.920 they they have rules and rags, but they're private collections. 356 00:18:52.160 --> 00:18:55.440 They're not official, they're not municipal, they don't have any 357 00:18:55.440 --> 00:19:00.880 special teeth. It's usually contract law and and and civil law. 358 00:19:01.000 --> 00:19:04.519 So they're claiming you all of this. But I want 359 00:19:04.880 --> 00:19:06.440 d what do you know about them? 360 00:19:06.440 --> 00:19:09.319 I'm familiar with a with a collection company that's the 361 00:19:09.359 --> 00:19:12.359 Parking Revenue Recovering Service. Yeah, they've been trying to collect 362 00:19:12.359 --> 00:19:15.680 on some bogus parking ticket from me since last summer. 363 00:19:16.119 --> 00:19:18.599 And it was also ninety two dollars. But I've never 364 00:19:18.640 --> 00:19:21.039 been to that garage nor the one that this caller 365 00:19:21.079 --> 00:19:24.680 had just mentioned. So I called them and I recorded 366 00:19:24.680 --> 00:19:26.960 the phone call and I said, hey, I have no 367 00:19:27.079 --> 00:19:29.240 record of this ticket. I've never been to your garage 368 00:19:29.240 --> 00:19:31.559 and I'm not going to pay it. And they said, okay, 369 00:19:31.680 --> 00:19:33.480 thank you and have a great day. And I never 370 00:19:33.519 --> 00:19:35.720 heard from them since that called. Yeah, but he was 371 00:19:35.759 --> 00:19:38.759 there and they do have photos she was. However, it 372 00:19:38.839 --> 00:19:41.920 sounds like there's a technical glitch. There is no logical 373 00:19:41.960 --> 00:19:44.799 explanation for a nine thousand dollars parking ticket. 374 00:19:44.920 --> 00:19:47.880 Yeah, what how do they I mean, really that's true. 375 00:19:47.960 --> 00:19:49.599 How do they justify that? 376 00:19:50.000 --> 00:19:52.559 Did you ask them why your bill is nine thousand dollars? 377 00:19:54.240 --> 00:19:57.279 Yes? I did, and she said what does? She seem 378 00:19:57.400 --> 00:19:59.279 kind of sketchy to me, like she was new on 379 00:19:59.319 --> 00:20:01.799 the job. But she said, there's ninety four letters here 380 00:20:02.200 --> 00:20:04.359 and you have to pay ninety three US for every 381 00:20:04.440 --> 00:20:05.359 letter that served. 382 00:20:07.680 --> 00:20:14.920 Yeah, but well, of course, how are they planning to 383 00:20:14.960 --> 00:20:15.839 collect this from you? 384 00:20:15.960 --> 00:20:18.160 Well, this guy that he got a letter from, he's 385 00:20:18.160 --> 00:20:20.599 a collestion's attorney. I know, did you say, Daniel Kelly? 386 00:20:20.680 --> 00:20:24.599 Yeah, how did they plan to collect this? How do 387 00:20:24.680 --> 00:20:25.759 they plan to collect this? 388 00:20:26.279 --> 00:20:29.680 I talked to Mike Wing, which you recommend? And Mike 389 00:20:29.799 --> 00:20:30.640 said that they would. 390 00:20:30.680 --> 00:20:33.319 I recommend Mike win for bankruptcy. By the way, just 391 00:20:33.400 --> 00:20:36.000 so everyone knows, I don't recommend it for parking tickets. 392 00:20:36.000 --> 00:20:36.440 Go ahead. 393 00:20:37.440 --> 00:20:40.759 Well, he said that I would. They would have to actually, 394 00:20:40.880 --> 00:20:43.480 so I thought maybe they could garnish my bank account 395 00:20:43.640 --> 00:20:46.039 or something like that. He said that they would have 396 00:20:46.079 --> 00:20:49.319 to have to actually sue me in court. 397 00:20:49.480 --> 00:20:51.279 Right, And he says, they're not going to die that 398 00:20:52.119 --> 00:20:55.160 And there's not a world that would give a parking 399 00:20:55.200 --> 00:20:57.519 ticket eleven thousand dollars. 400 00:20:57.960 --> 00:21:02.440 I wouldn't think for ninety's eleven now, because they sent 401 00:21:02.519 --> 00:21:06.240 me another fifteen letters. We have three envelopes in each letter, 402 00:21:06.599 --> 00:21:08.440 which is a ninety two dollars. 403 00:21:08.480 --> 00:21:12.279 Are you kidding me? This is almost this is crazy. 404 00:21:12.480 --> 00:21:14.559 We should call this lawyer's office. 405 00:21:14.599 --> 00:21:15.920 I'd love to talk to this lawyer. 406 00:21:16.039 --> 00:21:19.079 Hey, I want Deputy D to call on this. Well, 407 00:21:19.160 --> 00:21:22.319 let's see if we first, maybe he'll come on the air. 408 00:21:22.400 --> 00:21:25.480 Oh, even better, let's get the let's get this lawyer 409 00:21:25.480 --> 00:21:25.880 on the air. 410 00:21:27.640 --> 00:21:28.279 This is great. 411 00:21:28.400 --> 00:21:29.240 You got to take a break. 412 00:21:29.279 --> 00:21:31.839 Trill three seven to one three talk three all three 413 00:21:32.039 --> 00:21:34.920 seven one three eight two five five. Dan McKenzie is 414 00:21:34.960 --> 00:21:39.000 an estate planning attorney. Now, everyone should have an estate plan, 415 00:21:39.119 --> 00:21:42.440 a will, maybe a trust or an LLC that owns 416 00:21:42.440 --> 00:21:45.160 stuff because LLCs can survive your death and you can 417 00:21:45.160 --> 00:21:47.519 have a partnership agreement with your kids or your friends 418 00:21:47.559 --> 00:21:48.279 or whoever you have. 419 00:21:48.839 --> 00:21:49.519 It's creative. 420 00:21:49.559 --> 00:21:52.240 Dan McKenzie has many creative ideas, and of course he 421 00:21:52.279 --> 00:21:54.039 can keep you out of probate or if you are 422 00:21:54.240 --> 00:21:56.640 facing probate. I want you to check him out. He's 423 00:21:56.680 --> 00:21:59.359 a live and local and he's a great guy. McKenzie 424 00:21:59.480 --> 00:22:10.720 Law eight three three C plans eight three three C plans. 425 00:22:12.240 --> 00:22:15.519 Go with a sure thing Denver's Best roofer Excel Roofing 426 00:22:15.599 --> 00:22:18.279 dot com. You don't pay a cent until you're content. 427 00:22:21.640 --> 00:22:25.200 Time for an insurance checkup free no obligation comparison call 428 00:22:25.279 --> 00:22:28.599 Compass Insurance Paying too much your coverage at dozens of 429 00:22:28.640 --> 00:22:31.599 insurance companies find out now three oh three seven seven 430 00:22:31.599 --> 00:22:34.359 to one help. You'll think you're his only customer when 431 00:22:34.400 --> 00:22:36.880 you choose Frank durand the real estate Man dot com 432 00:22:36.920 --> 00:22:40.039 to list your home with Remax Alliance three oh three 433 00:22:40.119 --> 00:22:44.319 nine two zero sixteen twenty two. Hey, I'm Tom Martino, 434 00:22:46.039 --> 00:22:48.799 your troubleshooter eight eight eight Heating dot com? 435 00:22:49.400 --> 00:22:51.279 Remember Deep Clean. 436 00:22:51.240 --> 00:22:55.079 Forty five bucks eight eight eight Heating dot Com? Three 437 00:22:55.119 --> 00:22:57.960 O three seven seven Let me give you their number 438 00:22:57.960 --> 00:23:00.119 here three O three seven seven zero two. 439 00:23:00.119 --> 00:23:00.960 Seven seven six. 440 00:23:01.519 --> 00:23:07.640 Hey, what can we say about this except that it's 441 00:23:07.680 --> 00:23:10.559 not going to be collected. I doubt anyone's going to 442 00:23:10.559 --> 00:23:12.720 get eleven. Grand Deputy Bow is going to work on it. 443 00:23:14.279 --> 00:23:14.519 Now. 444 00:23:14.720 --> 00:23:17.519 Ruthie, what's going on with you? Welcome to the show. 445 00:23:17.599 --> 00:23:20.200 I'm Tom Martine. What's happening, Ruthie? 446 00:23:20.880 --> 00:23:21.079 Oh? 447 00:23:21.240 --> 00:23:26.880 Thanks Tom, appreciate you taking me. Yeah. Well, so kind 448 00:23:26.920 --> 00:23:31.839 of a long story. Yeah, I had a dining table 449 00:23:32.000 --> 00:23:35.799 that was custom made by my daughter's dad and myself, 450 00:23:36.599 --> 00:23:40.400 and it's a big it's a large table, and so 451 00:23:43.319 --> 00:23:46.599 I had a mover offer to move it or to 452 00:23:47.160 --> 00:23:50.759 move it and store it for me. So he didn't 453 00:23:50.799 --> 00:23:53.839 ask for any money, but I paid them one hundred bucks. 454 00:23:54.359 --> 00:23:57.279 And uh, may, I asked you, why did a mover 455 00:23:58.279 --> 00:24:00.680 volunteer to move a table with some body at your house? 456 00:24:00.720 --> 00:24:02.440 And they looked over and said, hey, I'll move that. 457 00:24:02.519 --> 00:24:06.319 I mean, tell me that. Tell me the story, like, 458 00:24:06.640 --> 00:24:09.759 were you moving anyway or you needed to get rid 459 00:24:09.799 --> 00:24:12.000 of the table? Tell me that story. 460 00:24:12.559 --> 00:24:17.039 So yeah, I actually I had loaned the table or 461 00:24:17.079 --> 00:24:20.200 given the table to my daughter and her family to 462 00:24:20.319 --> 00:24:25.599 use because I was in an apartment and I, you know, 463 00:24:25.680 --> 00:24:30.400 there was no room for it. So okay, yeah, so 464 00:24:30.440 --> 00:24:34.119 she she was using it for a while and then 465 00:24:34.359 --> 00:24:37.720 then they were moving. So I don't even know how 466 00:24:37.759 --> 00:24:41.480 I found this guy, but maybe on nextdoor dot com probably, 467 00:24:42.160 --> 00:24:44.319 And so he came and. 468 00:24:44.279 --> 00:24:49.720 But she no longer wanted the table, right right, Yeah, okay, 469 00:24:50.720 --> 00:24:52.000 she wants me to sell. 470 00:24:51.799 --> 00:24:58.200 It, so okay, So anyway, they moved it. And this 471 00:24:58.319 --> 00:25:00.119 was in Denver, mind you. 472 00:25:00.640 --> 00:25:02.599 So, and what's the name of the mover? 473 00:25:04.839 --> 00:25:08.559 So it's front you know, I've seen two names, front 474 00:25:08.640 --> 00:25:14.200 range movers and front Range Moving, probably front range movers. 475 00:25:16.039 --> 00:25:19.599 And I can give you the owner. The owner's name. 476 00:25:19.480 --> 00:25:22.200 Is well right now, right now, tell me the story. 477 00:25:22.240 --> 00:25:24.160 And who is the owner? By the way, who's the owner? 478 00:25:24.960 --> 00:25:28.400 So the owner is Edgar and his last name is 479 00:25:28.480 --> 00:25:30.640 A g U I R R. 480 00:25:34.039 --> 00:25:35.960 Okay, So what happened? 481 00:25:36.920 --> 00:25:40.119 Yeah, he seemed like a great guy, and we became 482 00:25:40.240 --> 00:25:45.039 friends and they're friendly whatever, And we talked to each 483 00:25:45.079 --> 00:25:49.680 other on the phone. And he had my table for 484 00:25:49.799 --> 00:25:54.359 a while because I was moving a lot in that 485 00:25:54.720 --> 00:25:55.440 time period. 486 00:25:56.119 --> 00:25:57.759 So where did he have the table? 487 00:25:58.720 --> 00:25:59.720 Yeah, I don't even know. 488 00:26:02.119 --> 00:26:03.519 I have a receipt. 489 00:26:03.599 --> 00:26:06.720 Why was he Well, well, hold on, what just wait, Ruthie, 490 00:26:06.759 --> 00:26:07.599 None of this makes sense. 491 00:26:07.680 --> 00:26:10.559 When you hire somebody to move something, they move it 492 00:26:10.599 --> 00:26:13.599 from A to B. So why didn't it go from 493 00:26:13.640 --> 00:26:14.000 A to B? 494 00:26:15.039 --> 00:26:16.839 Because he moved it to his storage. 495 00:26:17.200 --> 00:26:20.079 He said he would store it on your request. Was 496 00:26:20.079 --> 00:26:22.640 that part? Was that part of the contract. 497 00:26:23.920 --> 00:26:27.160 Well, we didn't have a contract, but verbally he said, 498 00:26:27.319 --> 00:26:30.079 i'll move, I'll store it until you need it, and 499 00:26:30.119 --> 00:26:31.119 then I will move it. 500 00:26:31.240 --> 00:26:33.960 Got it you want to I got it? 501 00:26:34.400 --> 00:26:35.839 Okay, got it and. 502 00:26:35.839 --> 00:26:39.279 Didn't ask for any money, but I gave him money anyway. 503 00:26:39.279 --> 00:26:43.680 But so, and I was moving a lot and couldn't 504 00:26:43.720 --> 00:26:45.960 take the table, didn't have any place for it. 505 00:26:46.279 --> 00:26:49.480 How long how long did the table sit in storage? 506 00:26:50.119 --> 00:26:51.880 Well? This was it in eighteen? 507 00:26:53.319 --> 00:26:53.880 What? 508 00:26:53.880 --> 00:26:53.960 What? 509 00:26:54.119 --> 00:26:54.319 Wait? 510 00:26:54.319 --> 00:26:56.759 Wait wait wait wait wait wait wait wait this was 511 00:26:56.799 --> 00:27:05.000 in twenty eighteen. Right, yeah, okay, so in twenty eighteen 512 00:27:05.640 --> 00:27:07.640 this guy moved it into storage. 513 00:27:07.920 --> 00:27:09.799 Then what So? 514 00:27:10.480 --> 00:27:12.960 Like I said, I was moving around a lot and 515 00:27:13.039 --> 00:27:13.880 we were talking. 516 00:27:14.119 --> 00:27:15.079 I get it. 517 00:27:15.680 --> 00:27:19.720 Year was going on, right, and then I moved to 518 00:27:19.799 --> 00:27:24.960 where I wanted it, you know, And so I started 519 00:27:25.039 --> 00:27:25.759 calling him. 520 00:27:25.960 --> 00:27:28.640 And how long after did you move to where you 521 00:27:28.720 --> 00:27:32.559 wanted it? Six years later? In twenty twenty four? 522 00:27:33.680 --> 00:27:36.920 No, no, no, this was I started calling him in 523 00:27:38.759 --> 00:27:44.559 let's see, probably five or five years ago maybe so 524 00:27:44.640 --> 00:27:45.000 it wasn't. 525 00:27:45.079 --> 00:27:47.279 Okay, hold on, this story needs to be a little 526 00:27:47.359 --> 00:27:52.640 more sustake, succinct, Ruthie, hold On, in twenty eighteen, he 527 00:27:52.680 --> 00:27:55.519 moved it into storage. You were moving around, you couldn't 528 00:27:55.599 --> 00:27:59.039 use it. I need to know precisely when you called 529 00:27:59.119 --> 00:28:02.000 him back and said I now want my table. Was 530 00:28:02.039 --> 00:28:07.960 it in twenty nineteen twenty twenty? When exactly was it? 531 00:28:07.960 --> 00:28:10.480 It was probably twenty nineteen. 532 00:28:12.720 --> 00:28:13.920 Okay, Then what happened? 533 00:28:13.960 --> 00:28:21.160 I mean, I'm not okay. So, first of all, he's 534 00:28:21.200 --> 00:28:22.480 real hard to get a hold of. 535 00:28:23.720 --> 00:28:26.839 I understand that. But you called him back in twenty 536 00:28:26.920 --> 00:28:28.279 twenty and said I want my. 537 00:28:28.319 --> 00:28:33.119 Table, right, And I talked to somebody who said he 538 00:28:33.240 --> 00:28:36.119 was his brother, although he sounded just like him, but 539 00:28:36.240 --> 00:28:39.440 I don't know. But and he said, and what happened? 540 00:28:40.200 --> 00:28:42.599 He said I could have it back if I paid 541 00:28:44.200 --> 00:28:48.240 two I think two hours of looking for it or 542 00:28:48.279 --> 00:28:50.799 something like for one hundred and eighty bucks. 543 00:28:52.119 --> 00:28:54.920 Ruthie, May I ask something? How much per day were 544 00:28:54.960 --> 00:28:56.559 you paying in storage or per month? 545 00:28:57.440 --> 00:28:58.200 I wasn't. 546 00:28:58.559 --> 00:28:59.720 He never charged me. 547 00:29:01.640 --> 00:29:02.200 How do you know? 548 00:29:04.359 --> 00:29:07.440 I never got anything from him? And he never said okay? 549 00:29:07.599 --> 00:29:10.440 I mean, may I ask something in the interest of time, 550 00:29:10.799 --> 00:29:13.640 hold on, Ruthie, I want you to fill into details. 551 00:29:13.680 --> 00:29:15.799 But in the interest of time, I just need to 552 00:29:15.799 --> 00:29:17.880 know this. And this is a yes or no. Did 553 00:29:17.920 --> 00:29:19.079 you get your table back? 554 00:29:19.799 --> 00:29:20.039 No? 555 00:29:21.759 --> 00:29:24.559 Okay, hold on and we'll come right back. I'm Tom Martino. 556 00:29:24.839 --> 00:29:27.480 Three oh three seven one three eight two five five. 557 00:29:27.519 --> 00:29:30.279 This is going to be a doozy eight eight eight 558 00:29:30.319 --> 00:29:33.359 heating dot com. Remember the best cleaning forty five bucks, 559 00:29:33.519 --> 00:29:36.920 or you can get high efficiency replacements at the best prices. 560 00:29:37.119 --> 00:29:39.759 Three oh three seven seven zero two seven seven six 561 00:29:43.440 --> 00:29:46.759 Go with a sure thing Denver's best rufer Excel Roofing 562 00:29:46.839 --> 00:29:49.480 dot com. You don't pay a cent until you're content. 563 00:29:52.839 --> 00:29:56.039 Time for an insurance check up free, no obligation. In comparison, 564 00:29:56.160 --> 00:29:59.680 call Compass Insurance paying too much your coverage at dozens 565 00:29:59.720 --> 00:30:02.119 of in Terrance companies find out now three all three 566 00:30:02.240 --> 00:30:03.039 seven seven to one. 567 00:30:03.160 --> 00:30:03.440 Help. 568 00:30:03.599 --> 00:30:06.240 You'll think you're his only customer when you choose Frank 569 00:30:06.279 --> 00:30:08.720 durand the real estate Man dot com to list your 570 00:30:08.759 --> 00:30:11.880 home with Remax Alliance three all three nine two zero 571 00:30:12.039 --> 00:30:23.359 sixteen twenty two. Hi Tom Martinez, your troubleshooter three oh 572 00:30:23.400 --> 00:30:26.240 three seven one three talk three oh three seven one 573 00:30:26.319 --> 00:30:30.640 three eight two five five. Welcome to the show. Hey, 574 00:30:32.039 --> 00:30:36.400 I I'm talking to Ruthie. Now, Ruthie, there's just some 575 00:30:36.519 --> 00:30:40.200 basic information because this is sold. So in twenty eighteen, 576 00:30:40.279 --> 00:30:42.920 the table went into storage with this guy you called 577 00:30:43.000 --> 00:30:46.000 him twenty twenty uh two years later and said I 578 00:30:46.000 --> 00:30:49.000 want my table back. Now it's two thousand and now 579 00:30:49.000 --> 00:30:53.200 it's twenty twenty five. So tell me kind of briefly 580 00:30:53.759 --> 00:30:57.000 what happened in between. So in twenty twenty he said, 581 00:30:57.240 --> 00:30:59.200 I need a few hundred bucks to go look for it. 582 00:30:59.240 --> 00:30:59.759 What did you do? 583 00:30:59.839 --> 00:31:05.079 Then there ended up hanging up on me, and I 584 00:31:05.119 --> 00:31:08.640 have no idea. So they have his brother hung up 585 00:31:08.680 --> 00:31:13.240 on me before I could even you know, solidify whatever, 586 00:31:13.519 --> 00:31:19.759 and the two addresses on the internet or bogus, so 587 00:31:19.839 --> 00:31:23.079 I have no idea where they are. Somebody saw the 588 00:31:23.160 --> 00:31:29.559 guy Edgar walking around Long Munch and I'm an eerie 589 00:31:30.680 --> 00:31:32.519 so I'm not that far from him now. 590 00:31:32.599 --> 00:31:39.279 But why, here's what I think, Ruthie. Here's what I think. 591 00:31:39.319 --> 00:31:40.839 We're going to try to help you, but I'm going 592 00:31:40.880 --> 00:31:42.839 to give you a bad news first, but I do 593 00:31:42.920 --> 00:31:43.759 want to try to help you. 594 00:31:45.000 --> 00:31:45.400 Thank you. 595 00:31:45.640 --> 00:31:49.480 No matter what. If this contract was done in twenty eighteen, 596 00:31:49.759 --> 00:31:51.640 whether you say there was a contract or not, there 597 00:31:51.720 --> 00:31:55.319 was an arrangement made in twenty eighteen, it's now twenty 598 00:31:55.400 --> 00:31:55.960 twenty five. 599 00:31:56.559 --> 00:31:57.480 Here's what I'm saying. 600 00:31:58.039 --> 00:32:01.400 If they sold that and say you abandon it or 601 00:32:01.480 --> 00:32:04.680 don't say anything and just sold it, or if they're 602 00:32:04.759 --> 00:32:09.640 dead fricking wrong and took it, you have no written agreement, 603 00:32:10.160 --> 00:32:14.960 You have nothing, and the breach of contract has long expired, 604 00:32:15.440 --> 00:32:19.000 so you really don't have much against them right now. 605 00:32:19.200 --> 00:32:22.799 In my opinion, that's not a legal opinion. That's a 606 00:32:22.839 --> 00:32:26.480 practical opinion based on all the consumer problems I've handled. Now, 607 00:32:27.039 --> 00:32:29.119 I don't know how much this is worth. And of course, 608 00:32:29.480 --> 00:32:31.599 if it's yours and it was handmade, it's going to 609 00:32:31.599 --> 00:32:34.759 be priceless. But it's not priceless. Everything has a value. 610 00:32:34.960 --> 00:32:37.240 It may not be worth going after. I don't know, 611 00:32:37.640 --> 00:32:39.920 but I want to ask you one thing out of curiosity, 612 00:32:40.319 --> 00:32:43.519 why did you decide to contact us like now right? 613 00:32:43.599 --> 00:32:46.559 You know? Recently? What did anything change? 614 00:32:47.519 --> 00:32:47.599 No? 615 00:32:47.839 --> 00:32:50.559 But well, the only thing that changed was I had 616 00:32:50.599 --> 00:32:54.039 a friend call them and leave a message and say 617 00:32:54.079 --> 00:32:57.519 that she was my attorney and they needed to call me. 618 00:32:57.680 --> 00:33:01.240 So the next day, miracle of all miracles, they called 619 00:33:01.279 --> 00:33:05.960 me and we had a conversation. At the same conversation, 620 00:33:06.119 --> 00:33:10.279 it was somebody who works for him, and he said, okay, 621 00:33:10.359 --> 00:33:15.920 well we'll deliver it either Thursday or Friday, and that 622 00:33:16.079 --> 00:33:20.599 was the end of communication. I call them, no answer, 623 00:33:20.680 --> 00:33:24.680 I texted no answer. You know, so you're kind of 624 00:33:25.119 --> 00:33:28.599 like my last ditch effort because I have so much 625 00:33:28.680 --> 00:33:31.319 more important things right in life. 626 00:33:31.920 --> 00:33:36.319 No, yeah, but I understand, Ruthie. What the hell? 627 00:33:36.559 --> 00:33:36.720 Oh? 628 00:33:36.799 --> 00:33:38.559 I think Mark has a plan? Mark, what do you 629 00:33:38.599 --> 00:33:39.000 want to do? 630 00:33:39.240 --> 00:33:41.200 Well, let's just call the guy and say how much 631 00:33:41.200 --> 00:33:43.000 are you willing to pay for them to come deliver 632 00:33:43.079 --> 00:33:44.200 it to you? Where are we at here? 633 00:33:46.039 --> 00:33:49.559 You know, I've talked to other movers who say I 634 00:33:49.559 --> 00:33:51.519 shouldn't have to pay a dime for what? 635 00:33:51.759 --> 00:33:54.680 Okay, then have them go grab it? I mean her. 636 00:33:55.000 --> 00:33:58.400 I'm going to tell you something, Ruthie. Ruthie, I don't 637 00:33:58.400 --> 00:33:59.559 believe one mover. 638 00:33:59.480 --> 00:34:03.920 That you talk to, because that that company can charge 639 00:34:03.920 --> 00:34:07.119 you storage as well. So if you don't think that 640 00:34:07.160 --> 00:34:10.719 they can charge you moving in storage, you're wrong. Okay, 641 00:34:10.880 --> 00:34:14.159 go with a sure thing Denver's Best roofer Excel roofing 642 00:34:14.239 --> 00:34:16.880 dot com. You don't pay a cent until you're content. 643 00:34:20.280 --> 00:34:23.480 Time for an insurance check up free no obligation comparison 644 00:34:23.599 --> 00:34:27.159 call Compass Insurance paying too much your coverage at dozens 645 00:34:27.159 --> 00:34:29.880 of insurance companies find out now three oh three seven 646 00:34:30.000 --> 00:34:32.800 seven to one help You'll think you're his only customer. 647 00:34:32.840 --> 00:34:35.079 When you choose Frank durand the real estate man dot 648 00:34:35.119 --> 00:34:38.480 Com to list your home with Remax Alliance three oh 649 00:34:38.480 --> 00:34:40.639 three nine two zero sixteen twenty two. 650 00:34:45.960 --> 00:34:51.360 Ripped so you don't have. 651 00:34:53.519 --> 00:34:55.920 Come runs as we can. 652 00:34:56.920 --> 00:34:58.800 No Shoot's gonna help. 653 00:34:58.760 --> 00:35:06.519 Come man, This is the Troubleshooter Show. No Tom Martino, Hi. 654 00:35:06.519 --> 00:35:10.000 Tom Martino here, Welcome to the show. Three zero three 655 00:35:10.039 --> 00:35:12.760 seven one three talk seven one three eight two five five. 656 00:35:13.199 --> 00:35:15.000 You know, if you've ever listened to radio, you hear 657 00:35:15.039 --> 00:35:16.920 all kinds of shows, but you never hear anything like 658 00:35:16.960 --> 00:35:19.800 this that gets involved in your everyday life and tries 659 00:35:19.840 --> 00:35:22.440 to solve your problems and answer your questions and take 660 00:35:22.440 --> 00:35:25.199 your complaints. And we love doing it. Been doing it 661 00:35:25.239 --> 00:35:29.760 fifty years forty five in Denver. I'm telling you, actually, 662 00:35:29.800 --> 00:35:31.760 maybe more. I don't want to. I lose track of 663 00:35:31.800 --> 00:35:36.320 time here and then these guys always joke about my age. 664 00:35:36.480 --> 00:35:38.920 And I've been old as dirt and been around you 665 00:35:38.920 --> 00:35:41.000 know what, I don't care. I'm proud of that. Right now, 666 00:35:41.719 --> 00:35:45.559 Ruthie's wants to clarify some things about her storage problem. 667 00:35:45.760 --> 00:35:48.360 I said I couldn't help her. Let me recap that 668 00:35:48.400 --> 00:35:50.840 and get to Ruthie, listen, I want you to know something. 669 00:35:51.679 --> 00:35:55.199 What I do is I grill consumers because I want 670 00:35:55.239 --> 00:35:57.719 to help them. I know this sounds weird, but I 671 00:35:57.800 --> 00:36:01.039 have to grill them to let them know what's coming. 672 00:36:01.480 --> 00:36:01.760 Now. 673 00:36:02.920 --> 00:36:06.280 I've been involved in about fourteen sixteen lawsuits and over 674 00:36:06.320 --> 00:36:09.639 my time, mostly people assume me out of anger or 675 00:36:09.679 --> 00:36:12.800 I sue them, and you know, but here's the bottom line. 676 00:36:13.559 --> 00:36:17.280 What happens is that my attorney grills the hell out 677 00:36:17.280 --> 00:36:22.519 of me. You see, you want people that will help you, 678 00:36:24.079 --> 00:36:30.079 and they help you by that adversarial mock up so 679 00:36:30.159 --> 00:36:33.360 you can withstand the opposition. 680 00:36:34.000 --> 00:36:37.079 And so Ruthie said, here's what she said. 681 00:36:37.400 --> 00:36:41.519 In twenty eighteen, I called a mover and I quote, 682 00:36:41.559 --> 00:36:44.000 I don't even know how I found him. I didn't 683 00:36:44.000 --> 00:36:47.960 have a contract, but he agreed to take the table 684 00:36:48.320 --> 00:36:51.360 dining room table custom made and put it into storage. 685 00:36:53.000 --> 00:36:56.079 That's it, twenty eighteen. She says. 686 00:36:56.400 --> 00:36:59.760 At about twenty twenty, I called him and said I 687 00:36:59.760 --> 00:37:02.599 want my table, and one guy that answered the phone 688 00:37:02.639 --> 00:37:04.559 said it'll be a couple hundred bucks or something. 689 00:37:04.760 --> 00:37:06.079 I got to go look for it. You got to 690 00:37:06.079 --> 00:37:08.159 pay for my time. She said. 691 00:37:08.199 --> 00:37:11.199 Nothing was ever said about storage or moving, and there 692 00:37:11.280 --> 00:37:14.880 was no contract. That guy hung up on her, and 693 00:37:15.280 --> 00:37:17.199 ever since then she's been trying to get it. 694 00:37:18.360 --> 00:37:20.079 And so I asked her. 695 00:37:20.079 --> 00:37:21.679 I said, well, we can try to get a hold 696 00:37:21.719 --> 00:37:23.000 of them. 697 00:37:23.360 --> 00:37:24.920 And I said, what do you think you owe them? 698 00:37:24.960 --> 00:37:29.039 And she said nothing because she was inconvenienced and other 699 00:37:29.119 --> 00:37:31.159 movers say they wouldn't charge her anything. Well, the other 700 00:37:31.199 --> 00:37:34.360 movers are liars, right up, straight up, I'll tell you, 701 00:37:34.400 --> 00:37:36.280 And if I get them on the phone, I'll tell 702 00:37:36.280 --> 00:37:39.280 them to their face they're liars. If they picked up 703 00:37:39.320 --> 00:37:42.480 something in twenty eighteen and it was two years since 704 00:37:42.480 --> 00:37:44.800 they heard from the woman, and it's been this long 705 00:37:44.840 --> 00:37:48.800 in storage, they would you would owe them moving it 706 00:37:48.880 --> 00:37:53.159 into storage, moving it out of storage, and reasonable storage. Now, 707 00:37:53.519 --> 00:37:55.599 if it was their fault it was in storage for 708 00:37:55.639 --> 00:37:58.280 so long, if there was a problem, then you would 709 00:37:58.280 --> 00:38:01.440 come to some compromise. But you will never and I 710 00:38:01.599 --> 00:38:06.000 mean never get out of this case ever, not owing money. 711 00:38:06.679 --> 00:38:11.440 That is my simple declaration here on this problem. Now, 712 00:38:11.519 --> 00:38:14.679 that doesn't mean Ruthie is wrong or right, or they're 713 00:38:14.719 --> 00:38:17.039 wrong to right. She can fight this out, but we're 714 00:38:17.079 --> 00:38:20.119 not going to get involved. So Ruthie, you said, though 715 00:38:20.400 --> 00:38:23.360 you wanted to clarify some things, so I promised, I'll 716 00:38:23.360 --> 00:38:24.679 shut up, clarify things. 717 00:38:24.679 --> 00:38:25.400 Go ahead, Ruthie. 718 00:38:26.519 --> 00:38:31.760 Okay, So initially I was amenable to one hundred and eighty, 719 00:38:31.920 --> 00:38:34.960 but there was no more information than he hung up. 720 00:38:35.599 --> 00:38:39.480 And I can't even count how many times I left 721 00:38:39.519 --> 00:38:44.559 messages for them and texted and no response. So when 722 00:38:44.639 --> 00:38:49.320 my friend called saying she was my attorney, said that 723 00:38:49.440 --> 00:38:52.239 I would pay a hundred bucks for them to deliver it, 724 00:38:52.480 --> 00:38:55.559 I had that one hundred dollar bill sitting and waiting 725 00:38:56.119 --> 00:39:00.039 because I actually believed they were going to come deliver it. 726 00:39:00.559 --> 00:39:04.960 So I'm not saying I did not say I should 727 00:39:05.000 --> 00:39:07.280 get it for free. 728 00:39:09.360 --> 00:39:11.719 Okay, Okay, hey, Ruthie. 729 00:39:12.000 --> 00:39:17.840 In today's world, one hundred dollars will move their asses 730 00:39:17.880 --> 00:39:20.800 off the couch to answer the phone, but it doesn't 731 00:39:20.840 --> 00:39:25.599 include the furniture. In today's moving world, one hundred dollars 732 00:39:25.639 --> 00:39:29.360 to deliver an oversized custom. 733 00:39:29.119 --> 00:39:32.400 Dining room table and shares is not going to work. 734 00:39:33.679 --> 00:39:36.400 There's no chairs, so it's just the table. 735 00:39:36.119 --> 00:39:40.639 And it okay, part, it's just the table that can't part, okay. 736 00:39:40.840 --> 00:39:44.280 And they're close by, and the thing is, have you 737 00:39:44.360 --> 00:39:48.039 ever gone over there in person? There's nowhere to go. 738 00:39:48.599 --> 00:39:50.760 Like I said, the two But. 739 00:39:50.840 --> 00:39:55.760 Tell me, what about eighteen, nineteen, twenty twenty one, twenty two? 740 00:39:56.119 --> 00:39:59.599 What about let's just say even two, three or four 741 00:39:59.679 --> 00:40:02.119 years storage? What do you think that's gonna be? 742 00:40:03.920 --> 00:40:09.000 Well, but I understand what you're saying. However, I'm just asking. 743 00:40:09.079 --> 00:40:11.000 I'm not trying to fight with you. I'm not trying 744 00:40:11.039 --> 00:40:14.159 to fight with you. Okay, even two years of storage 745 00:40:14.320 --> 00:40:18.039 you call them in twenty eighteen or twenty twenty. Let's 746 00:40:18.119 --> 00:40:20.960 just say two years of storage. What do you think 747 00:40:21.039 --> 00:40:22.079 that's gonna cost? 748 00:40:23.800 --> 00:40:26.599 Well, I have no idea because they don't communicate with me. 749 00:40:27.519 --> 00:40:30.960 Okay, So do you want us to find out? Here's 750 00:40:31.000 --> 00:40:34.360 what we can do. We can find out. First of all, 751 00:40:35.079 --> 00:40:37.960 here's the sad news. If they don't have it, it's 752 00:40:38.039 --> 00:40:40.800 going to be too complicated to fight this civilly. I mean, 753 00:40:40.800 --> 00:40:43.480 you can try, and I'm not discouraging it. 754 00:40:44.320 --> 00:40:45.519 They said they's good. 755 00:40:46.679 --> 00:40:47.559 Then let's see. 756 00:40:48.039 --> 00:40:50.840 I'm sure they'll want Amitri making a call over there. 757 00:40:50.880 --> 00:40:54.039 But honest to god, this is insanity. I mean, they 758 00:40:54.039 --> 00:40:57.679 have had it for seven years, never charge her to 759 00:40:57.719 --> 00:41:00.840 move it into storage, and haven't charged her any storage. 760 00:41:01.039 --> 00:41:03.440 If you can get this same move for two hundred bucks. 761 00:41:03.440 --> 00:41:06.000 You should jump on it and cook them dinner when 762 00:41:06.000 --> 00:41:06.800 they bring it to you. 763 00:41:07.880 --> 00:41:10.800 Mark, I think five hundred would be a deal. 764 00:41:11.039 --> 00:41:14.559 Five hundred let's just have to meet you and the 765 00:41:14.599 --> 00:41:16.639 next break and see what were you going to say? 766 00:41:16.679 --> 00:41:16.760 Bro? 767 00:41:18.960 --> 00:41:19.599 I think they're. 768 00:41:19.400 --> 00:41:20.320 Happy to call them. 769 00:41:20.440 --> 00:41:23.320 I think, I mean, I think this case is self explanatory, 770 00:41:23.400 --> 00:41:25.920 which is, you know, if they still have the couch, 771 00:41:26.039 --> 00:41:28.800 then then the caller will have the option it's a table. 772 00:41:28.920 --> 00:41:32.440 Oh yeah, the table. Sorry, then there's no chairs, the option. 773 00:41:32.239 --> 00:41:35.760 Of no chairs and the table comes apart. 774 00:41:37.199 --> 00:41:39.400 I can't believe they still have this piece of furniture, 775 00:41:39.480 --> 00:41:41.360 but I'll call and find out what's going on with it. 776 00:41:42.079 --> 00:41:47.440 I would have called it abandoned, but I agree that 777 00:41:47.519 --> 00:41:50.239 if they have it, what the hell, why should they 778 00:41:50.320 --> 00:41:53.960 make it difficult. Let's just try to negotiate something. I mean, 779 00:41:54.320 --> 00:41:58.639 you know, if it was just sitting there. I okay, So, Ruthie. 780 00:42:00.199 --> 00:42:02.400 What's the value of this table at this point? 781 00:42:04.000 --> 00:42:07.280 Well, we paid forty five hundred and that was like 782 00:42:07.639 --> 00:42:09.840 forty thirty forty years. 783 00:42:10.199 --> 00:42:14.039 Wait wait wait wait wait, I swear you said your 784 00:42:14.199 --> 00:42:15.840 dad and someone made it. 785 00:42:17.119 --> 00:42:21.719 No, no, no, no, no, my daughter's dad, my ex 786 00:42:21.800 --> 00:42:25.199 husband and I had it custom made and Boulder. 787 00:42:26.360 --> 00:42:27.239 Many years. 788 00:42:27.559 --> 00:42:28.280 You had it made. 789 00:42:28.360 --> 00:42:29.000 I get it. 790 00:42:29.840 --> 00:42:37.000 Right, Okay do you want. 791 00:42:36.760 --> 00:42:42.800 Well, yeah, we're off the air. Yeah, okay, so let's 792 00:42:42.840 --> 00:42:45.559 do this. Can you get this information for. 793 00:42:45.559 --> 00:42:51.280 Deputy D Sure? And then? I don't know what you know. 794 00:42:51.360 --> 00:42:54.440 Furniture doesn't hold value very well except for antiques and stuff. 795 00:42:54.679 --> 00:42:58.440 But a hndred On, for example, a high end table 796 00:42:58.480 --> 00:43:04.039 brand new is any from five to ten grand. And 797 00:43:05.320 --> 00:43:12.320 that's with uh, that's with table and shares. I don't know, 798 00:43:13.480 --> 00:43:17.400 you know, I don't think she has a prayer here 799 00:43:17.760 --> 00:43:21.760 unless they just want to be nice, okay. Three oh 800 00:43:21.800 --> 00:43:24.760 three seven to one three talk three oh three seven 801 00:43:24.800 --> 00:43:28.320 one three eight two five five eight eight eight. Heating 802 00:43:28.360 --> 00:43:32.039 dot com the best place for high efficiency heating and 803 00:43:32.079 --> 00:43:35.079 cooling equipment. And they say put them to the test. 804 00:43:35.599 --> 00:43:37.920 You won't get it any lower anywhere. Three oh three 805 00:43:38.000 --> 00:43:46.679 seven seven zero two seven seven six Go with a 806 00:43:46.719 --> 00:43:50.280 sure thing Denver's best roofer Excel Roofing dot com. You 807 00:43:50.320 --> 00:43:56.079 don't pay a cent until you're content. Time for an 808 00:43:56.079 --> 00:43:59.679 insurance check up free, no obligation. In comparison, call Compass 809 00:43:59.719 --> 00:44:03.519 insurance paying too much your coverage at dozens of insurance companies. 810 00:44:03.599 --> 00:44:06.199 Find out now three all three seven seven to one help. 811 00:44:06.360 --> 00:44:09.000 You'll think you're his only customer when you choose Frank 812 00:44:09.039 --> 00:44:11.519 durand the real estate Man dot com to list your 813 00:44:11.519 --> 00:44:14.719 home with Remax Alliance three all three nine two zero 814 00:44:14.800 --> 00:44:25.840 sixteen twenty two. Hey Tom Martino, here your trouble shooter. 815 00:44:25.960 --> 00:44:28.199 Three all three seven one three talk seven one three 816 00:44:28.239 --> 00:44:30.800 eight two five five. You know what. 817 00:44:32.639 --> 00:44:33.320 You will love? 818 00:44:33.360 --> 00:44:35.679 Frank durand the real estate Man doing an evaluation for 819 00:44:35.760 --> 00:44:38.719 your home. Frank durand the real Estateman dot com. You 820 00:44:38.719 --> 00:44:40.599 want to know what it will sell for free of charge? 821 00:44:40.639 --> 00:44:43.760 Three oh three nine two zero sixteen twenty two. That's right, 822 00:44:44.000 --> 00:44:47.039 and it's a full detailed analysis. Who do we love 823 00:44:47.079 --> 00:44:49.480 more than Frank sus Who? Anybody? 824 00:44:49.840 --> 00:44:51.000 No one? 825 00:44:51.280 --> 00:44:55.440 Frank Mimrand the Realestateman dot com. Hey, Ruthie is back 826 00:44:55.480 --> 00:44:58.280 waiting for Dimitri. Dimitri's on the phone with the moving company. 827 00:44:58.280 --> 00:44:58.880 I can hear him now. 828 00:44:58.880 --> 00:45:01.199 I want to go to uh Brook at Redrox Roof 829 00:45:01.280 --> 00:45:04.000 and Solar Brook. You wanted to give a shout out 830 00:45:04.000 --> 00:45:04.440 what's going on? 831 00:45:04.559 --> 00:45:04.760 Ruth? 832 00:45:05.840 --> 00:45:06.760 I mean, what's going on? 833 00:45:06.800 --> 00:45:07.079 Brook? 834 00:45:07.199 --> 00:45:07.639 Sorry? 835 00:45:08.960 --> 00:45:12.960 It's okay. So my furnace totally went out last week 836 00:45:13.000 --> 00:45:14.599 and we called Master Services. 837 00:45:15.039 --> 00:45:16.440 Jury was outside, yeah. 838 00:45:16.440 --> 00:45:18.880 About an hour, and he gave us a quote that 839 00:45:18.960 --> 00:45:19.559 was half. 840 00:45:19.400 --> 00:45:21.880 Of what somebody else gave. Work was done, He left 841 00:45:21.960 --> 00:45:24.880 us with a couple extra filters, and he did great service. 842 00:45:24.920 --> 00:45:26.400 I just want to give them a great shout out 843 00:45:26.440 --> 00:45:27.400 at Master Services. 844 00:45:27.400 --> 00:45:31.360 They did awesome, great And you know what, Brook, you 845 00:45:31.400 --> 00:45:33.079 might want to keep it in mind maybe when you're 846 00:45:33.079 --> 00:45:36.639 doing those solar systems and you need do they do 847 00:45:36.719 --> 00:45:38.079 electric key pumps and stuff? 848 00:45:39.519 --> 00:45:41.679 No, I didn't ask. My husband dealt with him, but 849 00:45:42.079 --> 00:45:43.599 I'm definitely going to give him a call if I 850 00:45:43.599 --> 00:45:45.280 have somebody to ask for a client to see. 851 00:45:46.880 --> 00:45:49.239 Hey, thank you. And Brook's part of the referral. Listen, 852 00:45:49.320 --> 00:45:51.480 she's talking about another member. I wanted to ask you something, Brook, 853 00:45:52.360 --> 00:45:55.039 when it comes to solar systems, how many times do 854 00:45:55.159 --> 00:45:59.400 people couple the HVAC overhaul with the solar and do 855 00:45:59.440 --> 00:46:00.760 it all in one shooting match. 856 00:46:02.599 --> 00:46:05.159 Most of the folks, I say seventy percent that are 857 00:46:05.199 --> 00:46:07.199 in Denver do it because they get a forty five 858 00:46:07.840 --> 00:46:08.360 rebate to. 859 00:46:08.400 --> 00:46:10.239 Do that along with the other text. 860 00:46:10.360 --> 00:46:14.519 Holy crap, Wow, it's not very. 861 00:46:14.360 --> 00:46:16.360 Common unless they're doing a new build. 862 00:46:17.400 --> 00:46:21.199 Okay, okay, you know, can I ask you something else? 863 00:46:21.239 --> 00:46:24.960 Do you ever put in EV chargers or people do 864 00:46:25.079 --> 00:46:27.639 that with solar systems? Oh? 865 00:46:27.719 --> 00:46:28.480 Yeah, all the time. 866 00:46:28.639 --> 00:46:31.199 Usually if they want an EV charger and we're doing 867 00:46:31.199 --> 00:46:33.360 a solar system, we just do it complimentary as a 868 00:46:33.360 --> 00:46:34.440 customer service piece. 869 00:46:36.360 --> 00:46:40.880 WHOA Now do they get is it added in if 870 00:46:40.920 --> 00:46:43.639 they buy that to the total of their whole system 871 00:46:43.679 --> 00:46:46.440 for the tax credit or are there special rebase for that. 872 00:46:48.320 --> 00:46:50.840 The EV charger? It depends on which one they get, 873 00:46:50.880 --> 00:46:52.599 and there's a couple of details, but they can get 874 00:46:52.599 --> 00:46:54.320 a rebate and a tax credit on it. 875 00:46:56.320 --> 00:46:59.239 Thank you very much at redrockars dot com by the way, 876 00:46:59.280 --> 00:47:02.639 and thanks for calling in Broke. That's Red Rocks are 877 00:47:02.800 --> 00:47:05.239 you know we for a long time we've waited to 878 00:47:05.239 --> 00:47:07.000 get a solar company on the you know, we've had 879 00:47:07.039 --> 00:47:10.239 solar companies in the past. But these guys, these guys 880 00:47:10.239 --> 00:47:12.440 got it together. Three h three seven zero four two 881 00:47:12.480 --> 00:47:15.719 four four nine. Now Trevor, what's going on with you? Trevor, 882 00:47:15.760 --> 00:47:17.119 Welcome to the show, Trevor. 883 00:47:18.239 --> 00:47:19.280 Hey, Yeah, what's going on? 884 00:47:19.320 --> 00:47:20.280 Tom? 885 00:47:20.400 --> 00:47:21.840 Hey, what's happening with you? 886 00:47:21.880 --> 00:47:22.599 To make this. 887 00:47:24.119 --> 00:47:27.559 A lot, so dealing with an issue right now, that's 888 00:47:27.679 --> 00:47:31.440 that's gone all the way to the legal part, and 889 00:47:31.480 --> 00:47:35.480 it's super frustrating. So back in April of twenty twenty four, 890 00:47:35.840 --> 00:47:38.719 my wife noticed in the wall in our kitchen what 891 00:47:38.800 --> 00:47:42.440 looked like signs of water damage. So she googled it, 892 00:47:42.440 --> 00:47:45.320 that's what she does. Found out the thing to do 893 00:47:45.400 --> 00:47:47.360 was to call a mitigation company to come in and 894 00:47:47.400 --> 00:47:50.840 take a look at it. So she found Restoration One, 895 00:47:51.360 --> 00:47:53.719 called them, they came out to the house. I filed 896 00:47:53.719 --> 00:47:57.280 the claim that same day with our insurance, American National Insurance. 897 00:47:58.760 --> 00:48:01.960 That kind of got the ball rolling. Restoration One told 898 00:48:02.039 --> 00:48:04.119 us that they would, you know, deal with insurance to 899 00:48:04.199 --> 00:48:06.760 get this whole thing figured out. Like they reassured us that, 900 00:48:06.840 --> 00:48:08.360 you know, we're in good hands, They're gonna take care 901 00:48:08.400 --> 00:48:12.119 of us. They set up these big air scrubbers and 902 00:48:12.159 --> 00:48:15.639 dehumidifiers in the kitchen and also on the other side 903 00:48:15.639 --> 00:48:17.880 of that wall is our bathroom, so they set them 904 00:48:17.960 --> 00:48:21.480 up on both sides just to make sure that you know, 905 00:48:21.559 --> 00:48:24.159 there was no If there was mold, we're gonna be 906 00:48:24.199 --> 00:48:27.320 taking care of whatever. A few days went by with 907 00:48:27.360 --> 00:48:31.280 these machines running. They kept coming by to check on them. 908 00:48:31.559 --> 00:48:36.199 Apparently from our understanding, like they were negotiating with insurance 909 00:48:36.239 --> 00:48:40.280 to see what the next step was. A week or 910 00:48:40.320 --> 00:48:43.719 so went by, and these machines were running in our 911 00:48:43.719 --> 00:48:46.480 house all day. Every day they would come out to 912 00:48:46.559 --> 00:48:50.679 check the numbers on them or whatever. Cut to like 913 00:48:50.960 --> 00:48:53.880 several weeks later, they're still running, you know, every time 914 00:48:53.920 --> 00:48:56.000 they come out. My wife's asking them, like, you know, dude, 915 00:48:56.000 --> 00:48:58.199 these need to be running. This scenems expensive, Like what's 916 00:48:58.239 --> 00:49:00.679 going on? They're like, don't worry about it. Insurance will 917 00:49:00.679 --> 00:49:07.360 take care of it. A long, long story. Insurance was 918 00:49:07.400 --> 00:49:09.400 not handling it. They were not taking care of it, 919 00:49:09.440 --> 00:49:14.039 so we finally got a public adjuster involved. Once the 920 00:49:14.079 --> 00:49:16.639 public adjuster was involved, we were able to get a 921 00:49:16.719 --> 00:49:21.880 few payments from insurance as well as a payment for 922 00:49:22.079 --> 00:49:23.920 Restoration one from insurance. 923 00:49:24.000 --> 00:49:26.480 Why wasn't your insurance? Why did you have to call 924 00:49:26.519 --> 00:49:28.559 a public adjuster? I mean that's a good move, but 925 00:49:28.960 --> 00:49:31.239 why did you have to call one? Did did they 926 00:49:31.320 --> 00:49:32.360 turn down the claim? 927 00:49:33.719 --> 00:49:35.679 They did not turn down the claim. They accepted it, 928 00:49:35.719 --> 00:49:39.119 but they weren't making They weren't making full payments like 929 00:49:39.599 --> 00:49:42.559 if they When Restoration one finally got to the demo 930 00:49:42.639 --> 00:49:44.599 portion of it they had that they took out the 931 00:49:45.559 --> 00:49:49.599 entire tile floor in the bathroom, drywall on that shared wall, 932 00:49:49.920 --> 00:49:53.719 the vanity, the sink, the toilet, and also damage part 933 00:49:53.719 --> 00:49:56.880 of the tile surround in the in the shower, and 934 00:49:56.920 --> 00:49:59.039 then on the kitchen side they took out rye wall. 935 00:49:59.159 --> 00:50:01.840 Yeah, but you know you're not answering my question, or 936 00:50:01.880 --> 00:50:04.039 you're not answering my question. Why did you call a 937 00:50:04.079 --> 00:50:05.199 public adjuster. 938 00:50:06.119 --> 00:50:08.599 Because we weren't getting We've got like a four thousand 939 00:50:08.639 --> 00:50:11.559 dollars check from insurance to cover the bathroom and the kitchen. 940 00:50:11.599 --> 00:50:14.079 We're like, that's not enough to even cover part of 941 00:50:14.119 --> 00:50:14.559 the kitchen. 942 00:50:14.800 --> 00:50:17.360 So you thought, okay, got it, I got it? And 943 00:50:17.440 --> 00:50:21.000 what excuse did your homeowners insurance give for short changing you? 944 00:50:22.760 --> 00:50:25.280 Uh, there was really no no. They were saying, this 945 00:50:25.360 --> 00:50:27.760 is this, this is what we had, we had, we had. 946 00:50:28.199 --> 00:50:30.519 They've sent out somebody to take a look, take pictures, 947 00:50:30.639 --> 00:50:32.719 see what the costs was going to be. They came 948 00:50:32.800 --> 00:50:33.679 up with their estimate. 949 00:50:34.880 --> 00:50:36.519 We we went along with. 950 00:50:36.440 --> 00:50:38.760 That, assuming they knew what they were talking about. When 951 00:50:38.760 --> 00:50:40.639 they came back with that super low number, we were like, 952 00:50:40.679 --> 00:50:43.199 well that's not even enough to like replace the cabinets 953 00:50:43.199 --> 00:50:44.360 that got taken out. Let alone. 954 00:50:44.639 --> 00:50:47.599 You know what public adjuster? Did you What public adjuster 955 00:50:47.760 --> 00:50:48.280 did you call? 956 00:50:49.920 --> 00:50:53.760 We're working with Noble Public Adjusting. They worked in Denver, 957 00:50:53.800 --> 00:50:56.199 but they're based in Florida. 958 00:50:56.519 --> 00:50:59.280 How'd you find them online? 959 00:51:00.880 --> 00:51:01.280 Okay? 960 00:51:01.559 --> 00:51:03.559 So here we have one by the way that she's 961 00:51:03.639 --> 00:51:07.400 really good. But it's okay, so you called Noble Public Adjusting. 962 00:51:07.440 --> 00:51:09.400 What I want to know is this? Where does it 963 00:51:09.559 --> 00:51:12.599 stand today? There's a reason you're calling us. What's going on? 964 00:51:13.199 --> 00:51:13.599 Correct? 965 00:51:13.960 --> 00:51:14.440 Today? 966 00:51:14.639 --> 00:51:15.239 We are. 967 00:51:16.760 --> 00:51:21.440 Restoration One has brought us to court for the remaining 968 00:51:21.519 --> 00:51:24.920 balance of their eighteen thousand dollars that they are charging 969 00:51:25.000 --> 00:51:29.400 for the mitigation process. Our insurance has paid what they 970 00:51:29.400 --> 00:51:31.880 think is the fair value on that, which is about 971 00:51:31.920 --> 00:51:34.519 half of it, about eight thousand dollars nine thousand dollars. 972 00:51:35.119 --> 00:51:37.719 Restoration One is coming after us for the remaining now 973 00:51:37.760 --> 00:51:42.079 seven six hundred dollars plus legal fees because they haven't 974 00:51:42.079 --> 00:51:43.239 gotten their full thing paid. 975 00:51:44.280 --> 00:51:45.000 Part of the reason. 976 00:51:45.079 --> 00:51:47.840 Okay, Now here's what he's Here's what I want to know. 977 00:51:48.199 --> 00:51:50.920 Here's what I want to know. That nine thousand they're 978 00:51:50.920 --> 00:51:53.719 trying to collect. I just need to know this, Trevor, 979 00:51:53.760 --> 00:51:56.239 and you got to be straight with me. Okay, if 980 00:51:56.280 --> 00:52:00.360 you took the total insurance proceeds every single day that 981 00:52:00.400 --> 00:52:05.800 you've gotten, every dime, are you withholding any of it? 982 00:52:07.800 --> 00:52:07.920 No? 983 00:52:09.039 --> 00:52:12.559 No, we've got our payment for that. We the payment 984 00:52:12.599 --> 00:52:15.239 we got because because the payments came through after we 985 00:52:15.280 --> 00:52:17.480 got a hold of the Public Adjuster, they had to. 986 00:52:17.400 --> 00:52:18.239 Go through them. 987 00:52:18.360 --> 00:52:20.639 So the one, the one payment that we got for 988 00:52:20.719 --> 00:52:24.000 like seven thousand, eight thousand dollars for Restoration one, we 989 00:52:24.039 --> 00:52:25.960 had to pay ten percent of that to Noble Public 990 00:52:26.000 --> 00:52:28.599 Adjusting because they were now in I get it, and 991 00:52:29.559 --> 00:52:31.800 I get it, you had to pay for them already. 992 00:52:32.679 --> 00:52:34.840 And then uh, you know, like I said. 993 00:52:34.679 --> 00:52:38.599 Now, what was your total what was your total contract 994 00:52:39.199 --> 00:52:42.000 with America which is me with Restoration one? 995 00:52:42.400 --> 00:52:43.880 Your total contract? 996 00:52:44.079 --> 00:52:47.039 I know in the beginning they leave it open for 997 00:52:47.599 --> 00:52:51.760 auxiliary claims, but what was the initial contract? 998 00:52:51.840 --> 00:52:52.519 How much. 999 00:52:54.199 --> 00:52:56.440 What they claim for machines and everything like that was 1000 00:52:56.440 --> 00:52:57.880 like eighteen thousand in total. 1001 00:52:57.920 --> 00:53:02.480 I believe they said the total job. Did that include 1002 00:53:02.519 --> 00:53:05.960 machines and restoration and everything? Or are you using someone 1003 00:53:06.000 --> 00:53:07.119 else for reconstruction. 1004 00:53:08.400 --> 00:53:10.719 We haven't even got to the reconstruction point yet. This 1005 00:53:10.800 --> 00:53:12.880 is ten months ago and we're not even at that stage. 1006 00:53:12.920 --> 00:53:14.800 Yet we're still trying to figure out Trevor. 1007 00:53:15.239 --> 00:53:19.639 Trevor, Trevor, are you using Is your insurance going to 1008 00:53:19.679 --> 00:53:21.280 help you with the rebuilding? 1009 00:53:22.639 --> 00:53:24.800 Well, we're hoping so that's but we're going to go 1010 00:53:24.840 --> 00:53:28.760 through a contractor of our choosing. We're not using restoration. 1011 00:53:29.760 --> 00:53:33.559 That's good, that, Trevor, that's really good. Now, so all 1012 00:53:33.599 --> 00:53:37.679 we're talking about now is the contract for for for 1013 00:53:37.800 --> 00:53:43.639 mitigation and for remediation. Which was a total you said 1014 00:53:43.639 --> 00:53:46.920 of eighteen grand that you signed in the beginning. 1015 00:53:47.000 --> 00:53:47.559 Is that right? 1016 00:53:48.920 --> 00:53:49.119 Sure? 1017 00:53:49.199 --> 00:53:52.719 Yeah, we didn't know the number when we signed the contract. 1018 00:53:52.719 --> 00:53:54.760 The contract is signed like immediately when they come out 1019 00:53:54.760 --> 00:53:56.079 to the house saying we're going to handle this. 1020 00:53:56.239 --> 00:53:59.000 What well, if there was no number on the contract, 1021 00:53:59.239 --> 00:54:01.079 what was on the contract? 1022 00:54:02.599 --> 00:54:05.159 Tom, That's a great question. My wife was the one 1023 00:54:05.159 --> 00:54:06.719 that handled that part of it. I was dealing with 1024 00:54:06.760 --> 00:54:07.599 the insurance part. 1025 00:54:07.679 --> 00:54:13.320 So because Trevor, Trevor, it's all going to come down 1026 00:54:13.400 --> 00:54:19.400 to the contract. Okay, Now here's how most restoration contracts read, 1027 00:54:19.920 --> 00:54:23.119 like it or not. And I know the story because 1028 00:54:23.119 --> 00:54:26.679 you tell the same exact story as everyone. Restoration companies 1029 00:54:26.679 --> 00:54:29.000 come in and say, don't worry homeowners usually takes care 1030 00:54:29.039 --> 00:54:31.119 of everything. We're going to set up stuff now to 1031 00:54:31.519 --> 00:54:34.599 mitigate damage so it doesn't get worse. You're required to 1032 00:54:34.639 --> 00:54:37.639 do that, which is all true. Don't worry about anything. 1033 00:54:37.719 --> 00:54:40.320 That's what they all say. Then you sign a contract 1034 00:54:40.599 --> 00:54:44.920 and the contract says that you're responsible for anything the 1035 00:54:44.960 --> 00:54:48.320 insurance doesn't pay. Like it or not, Trevor, go, look 1036 00:54:48.440 --> 00:54:53.199 that's what it says. Okay, So in reality, in reality, 1037 00:54:53.599 --> 00:54:57.400 if they did eighteen thousand dollars worth of work and 1038 00:54:57.440 --> 00:55:02.119 your insurance is only paying nine, then your public adjuster 1039 00:55:02.239 --> 00:55:05.679 has to help you get more money or you're gonna 1040 00:55:05.679 --> 00:55:08.559 have to pay the nine thousand most of the time, 1041 00:55:08.840 --> 00:55:13.480 unless unless they cheated you and lied to you. Hold on, 1042 00:55:13.639 --> 00:55:16.719 I don't even want to address that yet. Hang on, 1043 00:55:17.159 --> 00:55:21.079 I'm Tom Martino. Three oh three seven one three talks 1044 00:55:21.079 --> 00:55:24.000 seven one three eight two five five renew home Innovations. 1045 00:55:24.039 --> 00:55:28.480 The most beautiful shower conversions you'll ever see, pure sheet porcelain, 1046 00:55:28.960 --> 00:55:31.079 no maintenance ever. They can do this in two or 1047 00:55:31.079 --> 00:55:34.440 three days with beautiful glass walls, no shower doors needed, 1048 00:55:34.639 --> 00:55:37.880 no curtains, no threshold to step over or stumble over. 1049 00:55:38.159 --> 00:55:40.440 It's wonderful, and they do it in two or three days. 1050 00:55:40.480 --> 00:55:42.119 You have seventy two months to pay with no interest. 1051 00:55:42.199 --> 00:55:44.880 Three oh three nine zero four two thousand, nine zero 1052 00:55:44.920 --> 00:55:52.360 four two thousand Go with a sure thing Denver's Best 1053 00:55:52.440 --> 00:55:55.320 roofer Excel Roofing dot com. You don't pay a cent 1054 00:55:55.480 --> 00:56:00.719 until you're content on top of it. For an insurance 1055 00:56:00.840 --> 00:56:04.559 check up free, no obligation. In comparison, call Compass Insurance 1056 00:56:04.719 --> 00:56:07.719 paying too much your coverage at dozens of insurance companies 1057 00:56:07.800 --> 00:56:10.039 find out now three all three seven seven to one. 1058 00:56:10.159 --> 00:56:10.400 Help. 1059 00:56:10.559 --> 00:56:13.199 You'll think you're his only customer when you choose Frank 1060 00:56:13.280 --> 00:56:15.719 durand the real estate Man dot com to list your 1061 00:56:15.760 --> 00:56:19.400 home with Remax Alliance three three nine two zero sixteen 1062 00:56:19.480 --> 00:56:34.400 twenty two. Hey I'm Tom Martino. You're troubleshooter. Okay, Now, Trevor, 1063 00:56:36.280 --> 00:56:43.599 here's the deal with restoration and insurance like this, restoration especially, 1064 00:56:44.599 --> 00:56:45.840 we get this all the time. 1065 00:56:47.559 --> 00:56:49.159 It's it's all the time. 1066 00:56:49.199 --> 00:56:53.719 We get this where people are having trouble and they 1067 00:56:53.920 --> 00:56:54.960 they end up. 1068 00:56:54.880 --> 00:56:56.119 Being taken a court. 1069 00:56:55.920 --> 00:57:00.960 We had this one other time, and they the consumers 1070 00:57:01.039 --> 00:57:06.480 usually lose, unless Trevor, there's true, compelling evidence that there 1071 00:57:06.519 --> 00:57:09.480 was some kind of fraud perpetrated or breach of contract. 1072 00:57:10.039 --> 00:57:13.360 So let's just go right there. Was there anything that 1073 00:57:13.440 --> 00:57:16.199 you and I don't just mean your feeling or what 1074 00:57:16.360 --> 00:57:19.800 he said she said, they said, we said, I'm talking 1075 00:57:19.800 --> 00:57:22.800 about stuff that you can really put your finger on. 1076 00:57:24.679 --> 00:57:27.320 I mean, I don't think there's anything from a contractual 1077 00:57:27.320 --> 00:57:31.199 standpoint that was that was done wrong. It's just, you know, 1078 00:57:31.480 --> 00:57:33.079 I don't know how we how we would even go 1079 00:57:33.119 --> 00:57:38.280 about proving that they're overcharging, you know, like insurance insurance responded, 1080 00:57:38.360 --> 00:57:40.519 you know, saying this is what we accept this is 1081 00:57:40.559 --> 00:57:42.000 what we're not accepting, and this is. 1082 00:57:41.960 --> 00:57:48.079 Why Trevor and insurance insurance is the worst. Insurance is 1083 00:57:48.119 --> 00:57:52.320 the worst barometer you can use for what's appropriate to pay. 1084 00:57:53.559 --> 00:57:57.440 Okay, that public adjuster, Yeah, let me ask you something, man, 1085 00:57:57.719 --> 00:58:00.360 that public adjuster is he mentioned to go to the 1086 00:58:00.400 --> 00:58:02.880 next step where they get a referee involved. 1087 00:58:02.920 --> 00:58:04.880 I mean, this is your insurance company. 1088 00:58:05.079 --> 00:58:08.679 There's two more steps that this public adjuster should be 1089 00:58:08.719 --> 00:58:09.519 helping you take. 1090 00:58:09.840 --> 00:58:12.360 And if they're not, I mean, you hired someone that 1091 00:58:12.519 --> 00:58:16.119 sucks well and that's yeah, how did they how did 1092 00:58:16.119 --> 00:58:18.559 they come up with nine grand? I mean, what is 1093 00:58:18.599 --> 00:58:19.559 your public that's good? 1094 00:58:19.639 --> 00:58:20.360 Mark? Thank you? 1095 00:58:20.679 --> 00:58:22.719 What is your public adjuster doing. 1096 00:58:24.199 --> 00:58:26.280 Not a lot, honestly, and that's part of our frustration, 1097 00:58:26.960 --> 00:58:29.000 you know. Like I said, they're based in Florida. When 1098 00:58:29.000 --> 00:58:32.360 the hurricane happened, we lost contact with our claims adjuster 1099 00:58:32.440 --> 00:58:35.239 for a long time. Around the holidays, we tried to 1100 00:58:35.239 --> 00:58:36.199 read well, Trevor. 1101 00:58:36.039 --> 00:58:38.679 Can I ask you why? May I ask you why 1102 00:58:38.719 --> 00:58:40.280 you went all the way to Florida to find a 1103 00:58:40.280 --> 00:58:41.039 public adjuster? 1104 00:58:42.280 --> 00:58:44.239 Like I said, it popped up as Denver. They're just 1105 00:58:44.320 --> 00:58:45.920 based in Florida, and that was the first one that 1106 00:58:45.960 --> 00:58:47.920 popped up that had good reviews, and so we went 1107 00:58:47.960 --> 00:58:48.239 with it. 1108 00:58:48.559 --> 00:58:49.719 You know, we're kind of in a bind. 1109 00:58:50.440 --> 00:58:53.400 We're we're frustrated and struggling with insurance, and that's that's 1110 00:58:53.440 --> 00:58:54.880 where we you know, to go. 1111 00:58:55.000 --> 00:58:58.639 Okay, Okay, I get it, you know what, man, let 1112 00:58:58.679 --> 00:59:01.159 me hold on. I'm just I'm doing this. I'm doing 1113 00:59:01.719 --> 00:59:04.800 I'm doing public adjuster Denver, just to see what comes up. 1114 00:59:05.039 --> 00:59:07.400 You know, I would hope our referral list we usually 1115 00:59:07.400 --> 00:59:08.239 get really good. 1116 00:59:08.360 --> 00:59:10.679 SEO. Here, let me see what we got here. 1117 00:59:11.079 --> 00:59:13.480 Yeah, he gets all these sponsored ones of course because 1118 00:59:13.519 --> 00:59:16.320 they pay out the no's. But then you get a 1119 00:59:16.320 --> 00:59:20.119 lot of them from Colorado. I mean, okay, hey, Mark, 1120 00:59:20.159 --> 00:59:22.159 we're on the front page. We're on the first page, 1121 00:59:22.920 --> 00:59:26.920 the first page referral list dot com Paragon, first page. 1122 00:59:27.559 --> 00:59:31.840 In fact, we're the first listing under the sponsors. 1123 00:59:33.039 --> 00:59:34.840 We're the first listing that comes up. 1124 00:59:35.079 --> 00:59:38.000 See, he's got to go to the appeals process. It's 1125 00:59:38.119 --> 00:59:41.119 dirt cheap. It might be three four hundred bucks man. 1126 00:59:41.320 --> 00:59:44.119 And then if you still don't like the amount, if 1127 00:59:44.159 --> 00:59:46.519 you still don't like it, you can go to the referee. 1128 00:59:47.039 --> 00:59:49.519 So but the first part you got to do, see appeals. 1129 00:59:49.559 --> 00:59:51.800 You go to the insurance company and say, hey, well, what. 1130 00:59:51.880 --> 00:59:54.079 Pisses me off is this, if he goes to the 1131 00:59:54.119 --> 00:59:57.440 appeals process and gets more money, that public adjusting company 1132 00:59:57.480 --> 00:59:59.679 shouldn't take a dime. Well, they will. He signed to 1133 00:59:59.719 --> 01:00:01.639 kay with them. 1134 01:00:01.840 --> 01:00:04.840 How do we end that that relationship with them? 1135 01:00:04.920 --> 01:00:06.599 If we look at their contract? 1136 01:00:06.719 --> 01:00:09.840 You run around signing contracts like there, I know. 1137 01:00:10.679 --> 01:00:13.840 Trevor, he makes a good point. You run around signing contracts. 1138 01:00:13.920 --> 01:00:19.960 What does their contracts say. 1139 01:00:18.079 --> 01:00:19.559 If I renew, Here's what I would do. 1140 01:00:19.639 --> 01:00:21.519 I would assume they're going to get ten percent of 1141 01:00:21.559 --> 01:00:23.840 anything that's got to do with that claim number. 1142 01:00:23.880 --> 01:00:27.440 Period. Yep, we listen, this is and you know what 1143 01:00:27.599 --> 01:00:30.079 where Matt Paragon. If you went with our guy Matt 1144 01:00:30.079 --> 01:00:33.199 at Parragon Services, Matt Stanford, he would have he would 1145 01:00:33.199 --> 01:00:35.199 only take a certain percentage of what he got. 1146 01:00:35.079 --> 01:00:37.199 For regardless of none of this. I go back to 1147 01:00:37.280 --> 01:00:39.679 this big deal. If they get ten percent, you have 1148 01:00:39.760 --> 01:00:42.760 to go through the appeals. What happens is the insurance 1149 01:00:42.800 --> 01:00:44.639 company is going to send somebody out. 1150 01:00:44.880 --> 01:00:46.760 They have to, they have no choice. 1151 01:00:47.000 --> 01:00:50.840 They'll send somebody out, then somebody else, generally your public 1152 01:00:50.880 --> 01:00:52.760 adjuster picks a guy for you. 1153 01:00:52.840 --> 01:00:54.679 But you're gonna have to do that yourself. 1154 01:00:55.440 --> 01:00:57.000 We mark this is. 1155 01:00:57.559 --> 01:00:58.719 We've already done that once. 1156 01:00:59.519 --> 01:01:03.480 Well, then you have to go through Trevor. Was it 1157 01:01:03.639 --> 01:01:11.519 called the appraisal process? Yes, and you hired an. 1158 01:01:13.760 --> 01:01:15.440 Go ahead, I. 1159 01:01:15.400 --> 01:01:18.239 Would they Noble sent two adjusters out to meet with 1160 01:01:18.360 --> 01:01:21.159 the insurance adjuster. Both met at the house at the 1161 01:01:21.159 --> 01:01:25.079 same time, went over everything together, took pictures. Everything sounded 1162 01:01:25.119 --> 01:01:28.320 great from Noble standpoint, But then when it came back, 1163 01:01:28.599 --> 01:01:33.440 a bunch of stuff had been deleted and taken out, and. 1164 01:01:32.400 --> 01:01:34.800 Then you've got to go to the go the very 1165 01:01:34.880 --> 01:01:37.159 next process, the appraisal process. 1166 01:01:37.880 --> 01:01:40.760 You didn't go through the second part of the appraisal process, 1167 01:01:41.360 --> 01:01:45.360 after your experts meet with their experts. The second part 1168 01:01:45.440 --> 01:01:48.480 is if they don't come to an agreement, then there's 1169 01:01:48.519 --> 01:01:54.400 an arbitrator that steps in. Okay, you know NOBL is 1170 01:01:54.440 --> 01:01:57.239 not doing you justice. I would call Noble right now 1171 01:01:57.360 --> 01:02:00.400 and listen, I'm telling you. I would say to them, 1172 01:02:00.440 --> 01:02:03.159 under no uncertain terms, you are not doing your job. 1173 01:02:03.519 --> 01:02:06.360 You did not complete the appraisal process, and you should 1174 01:02:06.360 --> 01:02:07.039 be fighting for me. 1175 01:02:07.239 --> 01:02:09.920 And tell them you want to referee involved in it. 1176 01:02:10.000 --> 01:02:13.000 If you've already gone through the appraisal and they did 1177 01:02:13.039 --> 01:02:16.199 not agree. In other words, your guys said eighteen thousand, 1178 01:02:16.280 --> 01:02:19.360 the other said nine thousand. That means they didn't agree. 1179 01:02:19.480 --> 01:02:24.119 That's where you get a referee that it doesn't work. 1180 01:02:24.159 --> 01:02:27.280 From there, you're just screwed. And I don't know if 1181 01:02:27.280 --> 01:02:28.719 they call it a ref or I don't know if 1182 01:02:28.719 --> 01:02:33.920 they call it. Whatever they call it, it's the second 1183 01:02:34.000 --> 01:02:38.360 part of the appraisal process. Please call us back and 1184 01:02:38.440 --> 01:02:40.119 let us know what they say about going. 1185 01:02:39.960 --> 01:02:41.199 Into the second part. 1186 01:02:42.760 --> 01:02:44.599 If you got to go through that part of it 1187 01:02:44.639 --> 01:02:48.039 with an umpire or referee in that, that is really 1188 01:02:48.039 --> 01:02:50.880 interchangeable for real, Tom. You can use either of them. 1189 01:02:51.039 --> 01:02:53.239 But if you've got to go through that part, that 1190 01:02:53.440 --> 01:02:54.119 is binding. 1191 01:02:55.679 --> 01:02:57.719 By the way, eight eight eight heating dot com call 1192 01:02:57.800 --> 01:03:00.320 for your forty five dollars deep clean. They're not looking 1193 01:03:00.400 --> 01:03:02.679 just to sell you something. They will get that system 1194 01:03:02.760 --> 01:03:05.239 up and running and give you a true assessment and 1195 01:03:05.280 --> 01:03:07.960 if you need a replacement. They are simply the best 1196 01:03:07.960 --> 01:03:11.119 when it comes to high efficiency. When it comes to pricing, 1197 01:03:11.519 --> 01:03:13.840 they want you to put them to the test. Three 1198 01:03:13.880 --> 01:03:21.880 oh three seven seven zero two seven seven six Go 1199 01:03:22.000 --> 01:03:25.760 with a sure thing Denver's best roofer Excel Roofing dot com. 1200 01:03:25.800 --> 01:03:31.519 You don't pay a cent until you're content. Time for 1201 01:03:31.559 --> 01:03:35.880 an insurance checkup free, no obligation in comparison call Compass Insurance. 1202 01:03:36.039 --> 01:03:39.079 Pay too much your coverage at dozens of insurance companies 1203 01:03:39.159 --> 01:03:41.760 find out now three oh three seven seven to one help. 1204 01:03:41.920 --> 01:03:44.559 You'll think you're his only customer when you choose Frank 1205 01:03:44.639 --> 01:03:47.079 durand the real estate Man dot com to list your 1206 01:03:47.079 --> 01:03:50.280 home with Remax Alliance three oh three nine two zero 1207 01:03:50.360 --> 01:04:03.519 sixteen twenty two oh three seven one three talk seven 1208 01:04:03.519 --> 01:04:06.840 one three eight two five five. All right, peeps, let's 1209 01:04:06.880 --> 01:04:09.119 go to Alan Alan. What's going on with you? 1210 01:04:09.199 --> 01:04:09.440 Alan? 1211 01:04:09.519 --> 01:04:10.599 Welcome, What's happening. 1212 01:04:12.079 --> 01:04:17.440 Yeah, So to make it quick. Last year, I submitted 1213 01:04:17.480 --> 01:04:21.719 my taxes and I think it was early April for 1214 01:04:21.840 --> 01:04:27.400 twenty twenty three, and then I didn't get any I 1215 01:04:27.400 --> 01:04:29.119 was supposed to get a refund, but I didn't get 1216 01:04:29.119 --> 01:04:33.199 any notice until August. And in August I got a 1217 01:04:33.960 --> 01:04:39.519 paper a request for signature missing information, and they wanted 1218 01:04:39.639 --> 01:04:43.599 just my signature, which I provided them. I thought that 1219 01:04:43.679 --> 01:04:46.760 it was already on the original but I sent that 1220 01:04:46.920 --> 01:04:52.159 back with the signature, and just back in November they 1221 01:04:52.199 --> 01:04:56.639 sent me another request saying they don't have a valid 1222 01:04:56.679 --> 01:05:00.800 signature and item six, which is the. 1223 01:05:00.800 --> 01:05:09.400 Same exact they wait, the same exact request. 1224 01:05:06.679 --> 01:05:09.280 The same request, except for this time they added in 1225 01:05:10.920 --> 01:05:14.800 at attacked supporting documents for your entry at fourteenth of 1226 01:05:14.920 --> 01:05:17.159 whatever for Federal income. 1227 01:05:16.880 --> 01:05:17.599 Tax with HELM. 1228 01:05:18.239 --> 01:05:22.079 This could be a Form W two in ninety nine 1229 01:05:22.119 --> 01:05:25.880 w GG. And I tried telling them, I wait a minute, 1230 01:05:25.880 --> 01:05:26.320 I said. 1231 01:05:26.159 --> 01:05:26.480 I don't. 1232 01:05:27.000 --> 01:05:30.400 In August they said they did. They needed In August 1233 01:05:30.480 --> 01:05:34.280 they said they need your signature. In November they said 1234 01:05:34.320 --> 01:05:37.719 they need your signature or they need your W two. 1235 01:05:38.440 --> 01:05:41.039 They need both now. Even though I sent that back 1236 01:05:41.480 --> 01:05:45.920 in August, they sent them back the letter with the signature. 1237 01:05:47.559 --> 01:05:48.000 Got it? 1238 01:05:49.280 --> 01:05:50.159 So what did you do? 1239 01:05:52.880 --> 01:05:55.880 Well, I'm I haven't sent this one back yet because 1240 01:05:55.880 --> 01:05:58.719 when I called my employer, they said, we can't really well, 1241 01:05:58.920 --> 01:06:01.000 I don't know if that's true. Said, there's no, you're 1242 01:06:01.039 --> 01:06:02.199 not working for us anymore. 1243 01:06:02.280 --> 01:06:02.559 We don't. 1244 01:06:02.559 --> 01:06:03.760 We can't give you a W two. 1245 01:06:05.360 --> 01:06:08.119 So well, they can give you your old W two. 1246 01:06:09.639 --> 01:06:11.400 You can get your old Don't you have a copy 1247 01:06:11.440 --> 01:06:13.239 of the W two you submitted originally? 1248 01:06:18.880 --> 01:06:21.039 Yeah, I've been looking for that and I can't find it. 1249 01:06:21.119 --> 01:06:23.079 So I'm gonna have to call them, I guess again. 1250 01:06:23.440 --> 01:06:27.760 Hey, Alan, Alan, this was in November, you got that notice, 1251 01:06:28.119 --> 01:06:31.199 and now it's February. So you waited, right, So you've 1252 01:06:31.239 --> 01:06:33.480 never you never sent in that latest request? 1253 01:06:33.599 --> 01:06:37.440 Right, No, because I don't know. Yeah, I tried calling 1254 01:06:37.480 --> 01:06:38.199 my employer to. 1255 01:06:38.119 --> 01:06:41.079 Get okay, got it? Yeah, got it? 1256 01:06:41.440 --> 01:06:42.440 All right, I've got it. 1257 01:06:42.480 --> 01:06:45.400 This doesn't sound like a big deal. Doesn't sound like 1258 01:06:45.440 --> 01:06:50.559 a big deal. You're W two. You don't have a 1259 01:06:50.679 --> 01:06:54.880 copy of your return at all, the one you submitted, 1260 01:06:56.000 --> 01:07:00.760 Yeah I do, and that has your W two on it. 1261 01:07:03.199 --> 01:07:07.679 Yeah, it's good. 1262 01:07:07.719 --> 01:07:10.800 Have Let's see, I've got the full print out here. 1263 01:07:10.920 --> 01:07:14.880 Let me look, Alan that W two. 1264 01:07:15.400 --> 01:07:17.639 Is it a PDF or is it a print out? 1265 01:07:17.840 --> 01:07:20.480 If you have a PDF, you can just take that 1266 01:07:20.519 --> 01:07:23.079 one page the W two and re send it to them. 1267 01:07:23.480 --> 01:07:25.800 You know, it's not unusual for them to make a 1268 01:07:25.840 --> 01:07:28.000 request more than once about things. 1269 01:07:28.320 --> 01:07:30.039 I don't know why. They just seem to be screwed 1270 01:07:30.119 --> 01:07:32.519 up right. 1271 01:07:35.559 --> 01:07:42.119 Yeah, I know I've got it here somewhere. 1272 01:07:43.239 --> 01:07:45.719 Well, then here's what I would do. I would just 1273 01:07:45.800 --> 01:07:47.800 resubmit it. I don't know what the big deal is. 1274 01:07:47.960 --> 01:07:51.239 Go with a sure thing Denver's Best roofer Excel Roofing 1275 01:07:51.320 --> 01:07:53.960 dot com. You don't pay a cent until you're content. 1276 01:07:57.360 --> 01:07:59.960 Time for an insurance check up free, no obligation. Can 1277 01:08:00.000 --> 01:08:03.800 comparison call Compass insurance paying too much your coverage at 1278 01:08:03.840 --> 01:08:06.559 dozens of insurance companies find out now three all three 1279 01:08:06.760 --> 01:08:09.320 seven seven to one help. You'll think you're his only 1280 01:08:09.440 --> 01:08:11.880 customer when you choose Frank durand the real estate Man 1281 01:08:11.960 --> 01:08:15.400 dot com to list your home with Remax Alliance three 1282 01:08:15.400 --> 01:08:18.399 all three nine two zero sixteen twenty two. 1283 01:08:18.439 --> 01:08:28.399 Yeah, Rita, you need advice? Who you don't have? 1284 01:08:30.640 --> 01:08:34.359 Come runxious ass as you can show. 1285 01:08:34.359 --> 01:08:35.640 Shooter's gonna help. 1286 01:08:35.920 --> 01:08:40.000 Come man six is the Troubleshooter Show. 1287 01:08:40.640 --> 01:08:45.439 Now, Tom Martinez, Welcome to the show. I'm here to 1288 01:08:45.520 --> 01:08:51.159 help you, and you know what, that's a good thing because. 1289 01:08:50.840 --> 01:08:52.159 We do love helping people. 1290 01:08:52.720 --> 01:08:55.760 This hour brought to you by One Clear Choice Garage 1291 01:08:55.800 --> 01:08:59.239 yours man, I love those people. Twenty four to seven. 1292 01:08:59.319 --> 01:09:01.239 People say why do they have to have emergency garage 1293 01:09:01.359 --> 01:09:03.640 or well, do you ever try to close your door 1294 01:09:03.640 --> 01:09:05.199 and it won't close at night? You can't leave your 1295 01:09:05.239 --> 01:09:08.479 garage open, especially if it accesses the house anyway. They 1296 01:09:08.560 --> 01:09:10.960 have all of their prices on their website. Let me 1297 01:09:10.960 --> 01:09:13.479 explain something to you. A lot of garage or companies 1298 01:09:13.520 --> 01:09:16.640 have been taken over by big giant private equity firms 1299 01:09:16.680 --> 01:09:19.000 and you think they're your wonderful local people. 1300 01:09:19.920 --> 01:09:21.439 That's not necessarily true. 1301 01:09:21.439 --> 01:09:24.760 But One Clear Choice Door is has kept that local appeal. 1302 01:09:25.199 --> 01:09:28.279 Twenty four to seven service One Clear Choice Doors dot Com. 1303 01:09:28.319 --> 01:09:30.520 Every price is on there for everything they do from 1304 01:09:30.520 --> 01:09:31.479 the door to the opener. 1305 01:09:31.560 --> 01:09:31.920 Welcome. 1306 01:09:32.279 --> 01:09:35.359 Let's you see, this show is all about picking the 1307 01:09:35.399 --> 01:09:40.279 right stuff, doing the right stuff, having the right information 1308 01:09:40.399 --> 01:09:44.920 when you buy, when you sell, when you have a dispute, whatever. 1309 01:09:45.279 --> 01:09:48.279 The show is about solving problems. That's what we do. Brian, 1310 01:09:48.600 --> 01:09:53.520 for example, wants to talk about an HOA problem, an issue. 1311 01:09:53.760 --> 01:09:57.359 I think it's a vole. Are we talking about environment here? 1312 01:09:57.520 --> 01:09:58.159 What's going on? 1313 01:09:58.239 --> 01:09:58.640 Brian? 1314 01:10:00.119 --> 01:10:02.399 Yeah, Well, for the past three years or so, I've 1315 01:10:02.439 --> 01:10:06.560 been dealing with this issue where the homeowners Association PET 1316 01:10:06.760 --> 01:10:11.239 planted some ground cover adjacent to my property. And this 1317 01:10:11.319 --> 01:10:15.800 groundcover actually provides a haven for boles, either a small 1318 01:10:16.119 --> 01:10:19.920 and almost mouse like and when it snows, they burrow 1319 01:10:20.079 --> 01:10:23.199 in under the snow get into my backyard because they're 1320 01:10:23.199 --> 01:10:28.560 attracted to green grass, and they virtually have destroyed about 1321 01:10:29.399 --> 01:10:32.159 a half to two thirds of my backyard. 1322 01:10:32.640 --> 01:10:35.319 What was there before the HOA did the groundcover? 1323 01:10:38.000 --> 01:10:40.199 Well, I moved here about fourteen years ago and it 1324 01:10:40.239 --> 01:10:43.079 was just plaining grass and after a couple of years, 1325 01:10:43.439 --> 01:10:47.520 the homeowner Association at the time put in this ground cover. 1326 01:10:47.560 --> 01:10:50.479 It's like a juniper and it provides. 1327 01:10:50.279 --> 01:10:53.279 What Okay, so it's a lot different in US, and 1328 01:10:53.359 --> 01:10:55.960 it specifically attracts. 1329 01:10:55.399 --> 01:11:01.279 Boles, yes, because it provides them cover or hawks and 1330 01:11:02.079 --> 01:11:03.800 other burdens. 1331 01:11:04.520 --> 01:11:05.399 I get it. 1332 01:11:05.920 --> 01:11:09.279 I get it, yeah, And then what they. 1333 01:11:09.159 --> 01:11:12.119 Do is is that they come out and I find 1334 01:11:12.119 --> 01:11:15.319 it happening more after a snow we get a snow. 1335 01:11:15.960 --> 01:11:18.760 I've actually looked out my window. I've seen these little 1336 01:11:18.840 --> 01:11:23.800 critters come from underneath this groundcover that's adjacent to my 1337 01:11:23.960 --> 01:11:28.760 property and go into my lawn. And then when the 1338 01:11:28.800 --> 01:11:33.159 snow melts, my lawn is torn up just horribly. And 1339 01:11:34.199 --> 01:11:36.319 I even had exterminators a couple of years ago. 1340 01:11:36.359 --> 01:11:38.199 And they say, yeah, And then did you say they're 1341 01:11:38.239 --> 01:11:40.640 actually getting in they're actually getting into your home. 1342 01:11:41.720 --> 01:11:43.960 No, they're not getting into the home. It's only damaged 1343 01:11:44.000 --> 01:11:44.760 to the backyard. 1344 01:11:46.359 --> 01:11:50.479 Okay, And so what does the does the HOA take 1345 01:11:50.560 --> 01:11:53.039 any kind of responsibility or say they will help you 1346 01:11:53.119 --> 01:11:53.720 in any way. 1347 01:11:54.680 --> 01:11:54.880 No. 1348 01:11:55.720 --> 01:11:59.079 Basically the comment that I got back from the HOA, 1349 01:11:59.119 --> 01:12:00.960 and I'll can I read it. It says we see 1350 01:12:01.000 --> 01:12:06.399 this complaint fairly often in the communities that that have 1351 01:12:06.560 --> 01:12:10.880 open space. However, Uh, those are as much part of 1352 01:12:10.880 --> 01:12:15.680 the ecosystem as hawks and birds and so forth. They're 1353 01:12:15.680 --> 01:12:21.560 more concerned about keeping or managing the ecosystem or the 1354 01:12:21.600 --> 01:12:27.960 balance of nature and uh and and and the the 1355 01:12:28.079 --> 01:12:30.399 end result is sorry, I think you have to live 1356 01:12:30.439 --> 01:12:30.760 with it. 1357 01:12:31.399 --> 01:12:34.920 And the prok listen, you know that's not by the way, 1358 01:12:35.520 --> 01:12:38.239 they're not totally And I hope you take this wrong. 1359 01:12:38.520 --> 01:12:39.840 I mean, you don't take this wrong. 1360 01:12:40.720 --> 01:12:43.439 They're kind of right. What what what I mean is 1361 01:12:43.479 --> 01:12:49.159 this they're saying, look everything, you know, when you're when 1362 01:12:49.159 --> 01:12:52.079 you're in an open space or next to an open 1363 01:12:52.119 --> 01:12:55.279 space or whatever, you're gonna have problems and it's nothing 1364 01:12:55.319 --> 01:12:59.199 they can do about it. Are you suggesting that they 1365 01:12:59.239 --> 01:13:01.960 pull out the juniper or whatever they put in there 1366 01:13:02.439 --> 01:13:05.880 and they put in grass again. 1367 01:13:07.000 --> 01:13:13.119 Well, actually it's against their own recommendations because the HOA, 1368 01:13:15.359 --> 01:13:18.720 the district manager. The district manager last year said their 1369 01:13:18.760 --> 01:13:22.239 recommendation is to have what they call a beauty band 1370 01:13:23.520 --> 01:13:29.439 between the open space and homeowner's property to alleviate that problem. 1371 01:13:30.000 --> 01:13:32.079 But I don't have a they have what kind of 1372 01:13:32.119 --> 01:13:34.279 what kind of a what did you call it? A? 1373 01:13:34.359 --> 01:13:39.079 What it's called a beauty band, and it's basically empty 1374 01:13:39.119 --> 01:13:45.000 space between homeowner's property and the open space where there 1375 01:13:45.039 --> 01:13:48.840 wouldn't be any planting. What actually makes it even more 1376 01:13:48.960 --> 01:13:54.159 interesting is that in this development we've got native grass. 1377 01:13:54.720 --> 01:13:57.760 Last year, many of the homeowners were concerned that this 1378 01:13:58.000 --> 01:14:00.279 native grass grows the three or four. 1379 01:14:00.439 --> 01:14:03.239 Foot high and many of the. 1380 01:14:03.199 --> 01:14:09.880 Homeowners were expressing fear that it provides a fire risk 1381 01:14:10.800 --> 01:14:14.640 and so in response to that, the HOA reached out 1382 01:14:14.680 --> 01:14:18.119 to the local fire department, and even the fire department 1383 01:14:18.199 --> 01:14:24.600 recommends a fifteen foot fire break between homeowner's property and 1384 01:14:24.720 --> 01:14:27.920 the plantings in the open space. 1385 01:14:28.600 --> 01:14:30.239 And what's interesting, let me ask you this. 1386 01:14:30.439 --> 01:14:32.800 Hold on, hold on, don't keep going. I got to 1387 01:14:32.800 --> 01:14:36.319 ask a few questions. So you have your home. You 1388 01:14:36.359 --> 01:14:41.560 have your home, then you have juniper and then open space. 1389 01:14:42.079 --> 01:14:43.560 What do you have a yard? 1390 01:14:44.680 --> 01:14:44.880 Yes? 1391 01:14:47.000 --> 01:14:50.039 So does the yard The yard butts up to your 1392 01:14:50.079 --> 01:14:55.760 house except for maybe the woodschips or whatever around your house. Right, yeah, 1393 01:14:55.840 --> 01:14:59.039 and then the yard goes up against the juniper. 1394 01:14:59.119 --> 01:15:04.399 Right, the yard goes up to about a foot away 1395 01:15:04.439 --> 01:15:08.079 from the junipers. And then I have a fence between 1396 01:15:08.119 --> 01:15:10.319 my property and the open space. And right on the 1397 01:15:10.399 --> 01:15:14.760 other side of the fence is this groundcover where these 1398 01:15:14.880 --> 01:15:15.880 foles live? 1399 01:15:16.079 --> 01:15:19.159 Look, look at the email. Okay, so the voles. The 1400 01:15:19.239 --> 01:15:21.960 voles are living on the other side of the fence. 1401 01:15:22.199 --> 01:15:25.640 They're not even on your property. No, but I want 1402 01:15:25.680 --> 01:15:27.279 to get Brian on they get hungry. 1403 01:15:27.720 --> 01:15:28.960 I was going to ask for Brian. 1404 01:15:29.279 --> 01:15:32.720 Is this Brian the mouse guy and the army. Yeah, 1405 01:15:32.800 --> 01:15:36.680 it it's your buddy. He's the everything guy. Except for 1406 01:15:36.800 --> 01:15:40.600 domestic rats. That's the only thing where he loses credibility 1407 01:15:40.640 --> 01:15:44.399 with me because he promised me that my stepson's rats 1408 01:15:44.439 --> 01:15:46.399 would be dead by now, and they're not even close. 1409 01:15:46.439 --> 01:15:50.479 I think I think they they're going. I don't know anyway. 1410 01:15:50.479 --> 01:15:54.720 So anyway, Brian, what do you do about voles? Okay? 1411 01:15:54.760 --> 01:15:56.439 I deal with them all the time. In fact, I've 1412 01:15:56.479 --> 01:16:00.000 got jobs going on today as we speak. Two things. 1413 01:16:00.000 --> 01:16:03.560 The vols are definitely subterraneans. They're going to stay underground 1414 01:16:03.680 --> 01:16:04.600 when it's hot out. 1415 01:16:04.760 --> 01:16:05.319 They don't. 1416 01:16:05.600 --> 01:16:09.960 They do not like bright sunlight or hot day. They 1417 01:16:10.039 --> 01:16:13.279 stayed below in order. There's two different methods that we 1418 01:16:13.399 --> 01:16:14.479 use to get rid of them. 1419 01:16:14.600 --> 01:16:17.119 I treat you Wait a minute, he says. He said 1420 01:16:17.159 --> 01:16:21.319 they hide under the groundcover, and that's why he's having problems. 1421 01:16:22.000 --> 01:16:25.600 Right, But the ground the groundcover is in the open space, 1422 01:16:25.720 --> 01:16:29.359 which uh exterminators are not allowed to touch. 1423 01:16:30.399 --> 01:16:33.800 Well, they don't know what they're doing, because I treat 1424 01:16:33.840 --> 01:16:36.359 those kind of burrows all the time. I have a 1425 01:16:36.399 --> 01:16:36.920 seed by. 1426 01:16:36.880 --> 01:16:38.920 Well, how do you okay, how would you treat the 1427 01:16:39.039 --> 01:16:42.279 How would you do this situation to keep the voles 1428 01:16:42.279 --> 01:16:43.760 from destroying his yard? 1429 01:16:44.640 --> 01:16:46.840 Two things I would One treat the burrows what I 1430 01:16:46.840 --> 01:16:50.920 can find inside the evergreens, if they're on his property, 1431 01:16:51.000 --> 01:16:53.159 If they are not on his property and they're coming 1432 01:16:53.159 --> 01:16:57.680 from an adjacent property, I would then I would actually 1433 01:16:57.920 --> 01:17:04.159 suggest to apply a barrier around his property line of 1434 01:17:04.279 --> 01:17:09.239 pea gravel, small tiny pebbles about fourteen to sixteen inches wide. 1435 01:17:09.720 --> 01:17:13.159 What happens is when they vold rise up above the ground, 1436 01:17:13.359 --> 01:17:17.199 it's difficult for them to traverse across those tiny little pebbles, 1437 01:17:17.479 --> 01:17:19.119 and so they just won't go across it. 1438 01:17:20.760 --> 01:17:23.000 And the only Brian Brian. 1439 01:17:22.800 --> 01:17:27.279 Yet, Okay, so he would then if you picture his 1440 01:17:27.439 --> 01:17:31.079 yard and a fence, you would put a little border 1441 01:17:31.199 --> 01:17:34.439 on the inside of his fence, correct. 1442 01:17:34.159 --> 01:17:37.800 About fourteen to sixteen inches of this small py gravel. 1443 01:17:39.039 --> 01:17:40.199 Yeah, I already, Brian. 1444 01:17:40.279 --> 01:17:42.319 What do you think, Brian? Now I got to Brian's. 1445 01:17:42.319 --> 01:17:45.039 I got Brian the expert to mouse guy and Brian 1446 01:17:45.119 --> 01:17:47.079 the caller. Brian the caller, what do you think about 1447 01:17:47.119 --> 01:17:48.199 that border? 1448 01:17:48.520 --> 01:17:50.600 Yeah? I think it's good. I already have some stone 1449 01:17:50.720 --> 01:17:53.720 already down there for about the distance that he just mentioned. 1450 01:17:54.079 --> 01:17:55.319 But I could look out my but. 1451 01:17:55.279 --> 01:17:56.359 He didn't say stone. 1452 01:17:56.399 --> 01:18:00.159 He said he didn't he he did not say stone. 1453 01:18:00.960 --> 01:18:02.079 I hear that. 1454 01:18:02.479 --> 01:18:06.720 I hear that ear gravel okay, pea gravel okay, But 1455 01:18:06.840 --> 01:18:09.039 I think there's another and that doesn't. 1456 01:18:08.720 --> 01:18:12.479 Mean pea gravel in between stone. It means pea gravel 1457 01:18:12.680 --> 01:18:16.720 alone to make it a little obstacle course for the voles. 1458 01:18:17.439 --> 01:18:19.000 Correct, right right? 1459 01:18:19.319 --> 01:18:21.399 I think the thing that with the homeowners is that 1460 01:18:21.479 --> 01:18:25.760 because they planted it, they're against their own recommendation and. 1461 01:18:25.800 --> 01:18:29.439 They didn't leave these But see, Brian, we're not You're 1462 01:18:29.439 --> 01:18:32.560 not gonna get see this. This happens all the time, 1463 01:18:32.600 --> 01:18:36.600 and I call it jousting with windmills. You're you can 1464 01:18:36.640 --> 01:18:41.479 find the HOA in violation, you can, Okay, it doesn't 1465 01:18:41.520 --> 01:18:45.439 matter because if the board and the people on the 1466 01:18:45.600 --> 01:18:51.399 HUA are good with it, you trying to change it, 1467 01:18:51.399 --> 01:18:53.680 it's going to be easier to put up the pea gravel. 1468 01:18:54.960 --> 01:18:58.720 It's what I'm getting at is you may be technically correct, 1469 01:18:59.319 --> 01:19:03.800 but you're going to spend thousands of dollars fighting it. 1470 01:19:05.159 --> 01:19:08.840 Well, well, let me finish something here. It is their 1471 01:19:08.920 --> 01:19:12.439 own recommendation that the plants not the oh my god, 1472 01:19:12.479 --> 01:19:13.479 home on this property. 1473 01:19:13.680 --> 01:19:18.479 I know that there's therefore what okay, hold on I oweys. 1474 01:19:18.199 --> 01:19:20.079 Brian finish this sentence. 1475 01:19:20.720 --> 01:19:25.079 It's the ah joy's own recommendation that they do not 1476 01:19:25.239 --> 01:19:28.159 have plants adjacent blah blah blah without some kind of 1477 01:19:28.159 --> 01:19:33.520 a beauty break. Therefore, finish the sentence. Therefore, finish the sentence. 1478 01:19:34.600 --> 01:19:39.720 Therefore, I want to get a financial a compensation for 1479 01:19:39.800 --> 01:19:44.279 the seven seven thousand dollars that they're planting against their 1480 01:19:44.319 --> 01:19:50.319 own recommendation that creates that that haven for the voles 1481 01:19:50.359 --> 01:19:53.239 that destroyed my backyard, and they're saying that. 1482 01:19:53.199 --> 01:19:53.640 They are right. 1483 01:19:53.720 --> 01:19:56.239 Now, Brian, you're a sensible man. So I'm gonna ask 1484 01:19:56.319 --> 01:20:01.560 some questions. Number one, do you think they will voluntarily 1485 01:20:01.640 --> 01:20:01.960 pay that? 1486 01:20:03.439 --> 01:20:03.520 No? 1487 01:20:05.279 --> 01:20:06.680 Number okay? Number two? 1488 01:20:06.760 --> 01:20:09.960 Okay, what when you have no, I'm asking number two. 1489 01:20:10.199 --> 01:20:13.000 Number two, they won't voluntarily pay it. So number two, 1490 01:20:13.560 --> 01:20:17.760 when you have evidence that you feel shows they have 1491 01:20:18.039 --> 01:20:20.960 and you've said this a million times, that they are 1492 01:20:21.119 --> 01:20:25.279 violating their own policy, then you have what you are 1493 01:20:25.319 --> 01:20:30.119 calling negligence per se, meaning that they rules and they're 1494 01:20:30.159 --> 01:20:33.399 going against the rules, and that's all you have to show. 1495 01:20:33.840 --> 01:20:38.000 So having this evidence, now this is question number two. 1496 01:20:38.640 --> 01:20:44.159 If you present them with this evidence, will they voluntarily pay? 1497 01:20:45.560 --> 01:20:45.640 No? 1498 01:20:47.960 --> 01:20:48.279 Okay? 1499 01:20:48.479 --> 01:20:52.520 Now, Number three, what is your third option? What is 1500 01:20:52.560 --> 01:20:57.439 your third option? When people will not comply to a 1501 01:20:57.720 --> 01:21:02.720 contract or contract? In fact, a third it's not a contract, 1502 01:21:02.760 --> 01:21:04.880 but it kind of is, because they have recommendations that 1503 01:21:04.960 --> 01:21:07.600 you say, you're going to say you depended on, which, 1504 01:21:08.079 --> 01:21:11.319 by the way, you're gonna notice because I've developed fourteen 1505 01:21:11.359 --> 01:21:15.720 subdivisions in the bylaws, it says that if they have recommendations, 1506 01:21:15.800 --> 01:21:17.760 they're allowed to break their own recommendations. 1507 01:21:17.800 --> 01:21:19.520 But I don't want to go there because you're not 1508 01:21:19.560 --> 01:21:20.279 going to believe it. 1509 01:21:20.359 --> 01:21:23.720 But I will tell you, unless it's written into the bylaws, 1510 01:21:24.079 --> 01:21:27.880 not as a recommendation, but as a bylaw, then they 1511 01:21:27.920 --> 01:21:32.119 can go against their own recommendations for anything there, anything, 1512 01:21:32.680 --> 01:21:36.399 anything at all, if it's a recommendation, not if it's 1513 01:21:36.439 --> 01:21:39.760 a by law. But let's just say, no matter what, 1514 01:21:39.960 --> 01:21:42.479 you're not going to believe it. What is your third option? 1515 01:21:43.960 --> 01:21:47.039 My third option is to get to find some attorneys 1516 01:21:47.039 --> 01:21:49.680 which have already reached out that. 1517 01:21:49.279 --> 01:21:52.359 That's right, that's right, and I can find you an attorney. Now, 1518 01:21:52.560 --> 01:21:56.279 let me ask you this, when you hire an attorney, 1519 01:21:56.439 --> 01:21:58.439 how much did you say your damages were? 1520 01:22:00.039 --> 01:22:01.079 Thousand dollars? 1521 01:22:01.760 --> 01:22:03.239 And I'm going to have to do it Okay. 1522 01:22:03.159 --> 01:22:06.159 Now, do you believe that you are going to win 1523 01:22:06.239 --> 01:22:09.199 this case for less than seven thousand dollars. 1524 01:22:11.800 --> 01:22:16.600 I'm going to have to spend seven thousand dollars every year. Okay, 1525 01:22:16.680 --> 01:22:19.119 it's not a one time deal. Every year because if 1526 01:22:19.159 --> 01:22:20.640 they don't eliminate those goals. 1527 01:22:20.800 --> 01:22:24.720 I'm going to tell you because the HOA, because the 1528 01:22:25.079 --> 01:22:30.039 HOA is not fighting with their own money, I am 1529 01:22:30.079 --> 01:22:33.720 going to tell you how much it will cost you 1530 01:22:33.800 --> 01:22:39.520 to fight them, a minimum of fifty thousand dollars a minimum. 1531 01:22:39.560 --> 01:22:42.800 If you win, you spend fifty thousand and you won. 1532 01:22:42.960 --> 01:22:45.520 If you lose, you spend fifty thousand and you lost. 1533 01:22:45.920 --> 01:22:51.640 You will spend and I absolutely guarantee it, absolutely positively, 1534 01:22:52.119 --> 01:22:55.720 it will cost you fifty grand. Now you're claiming you're 1535 01:22:55.800 --> 01:22:59.680 going to spend seven thousand dollars a year in damages. 1536 01:23:00.159 --> 01:23:03.800 Now Brian is on the phone, as on the line saying, 1537 01:23:04.199 --> 01:23:07.600 you can do a once and for all fix, but 1538 01:23:07.840 --> 01:23:11.199 you won't do it. You would rather spend fifty grand 1539 01:23:11.199 --> 01:23:14.640 to fight them, or you believe seven thousand a year 1540 01:23:14.720 --> 01:23:18.119 will be your punishment. Yet Brian says, you do this 1541 01:23:18.319 --> 01:23:21.319 border and it's not going to be seven thousand a year. 1542 01:23:21.479 --> 01:23:28.840 We got more coming up. Go with a sure thing 1543 01:23:28.960 --> 01:23:32.279 Denver's best roofer Excel Roofing dot com. You don't pay 1544 01:23:32.279 --> 01:23:38.960 a cent until you're content. Time for an insurance checkup free, 1545 01:23:39.000 --> 01:23:42.760 no obligation. In comparison, call Compass Insurance paying too much 1546 01:23:42.880 --> 01:23:45.800 your coverage at dozens of insurance companies find out now 1547 01:23:45.880 --> 01:23:48.399 three oh three seven seven to one help. You'll think 1548 01:23:48.399 --> 01:23:50.960 you're his only customer when you choose Frank durand the 1549 01:23:51.039 --> 01:23:53.680 real estate Man dot com to list your home with 1550 01:23:53.800 --> 01:23:58.680 Remax Alliance three oh three nine two zero sixteen twenty two. 1551 01:23:59.640 --> 01:24:01.119 Like a little platypus. 1552 01:24:00.640 --> 01:24:05.039 Almost Hey, Tom Martinez, you're a troubleshooter three oh three 1553 01:24:05.079 --> 01:24:07.439 seven one three talk three oh three seven one three 1554 01:24:07.520 --> 01:24:08.920 A two five five. 1555 01:24:10.199 --> 01:24:13.520 Anyway, Brian? That Brian? Oh did my expert hang up? 1556 01:24:13.840 --> 01:24:14.199 He sure? 1557 01:24:14.319 --> 01:24:14.359 Do? 1558 01:24:14.439 --> 01:24:14.920 Is okay? 1559 01:24:15.159 --> 01:24:16.600 Brian? Brian? 1560 01:24:16.640 --> 01:24:17.960 I want to ask you something again. 1561 01:24:18.199 --> 01:24:20.720 I'm not at odds with you, Bro, I'm just why 1562 01:24:20.720 --> 01:24:23.760 wouldn't you spend the money to just put in your border? 1563 01:24:24.760 --> 01:24:32.079 Why would you try this long arduous fight with the hoa. 1564 01:24:32.399 --> 01:24:36.399 Because there is a more serious problem here because of 1565 01:24:36.479 --> 01:24:39.319 the open space and the native grass that they let 1566 01:24:39.359 --> 01:24:42.720 grow to be three or four feet high. Many homeowners 1567 01:24:43.079 --> 01:24:47.479 are concerned about fires, given the Marshall fire two years ago, 1568 01:24:47.600 --> 01:24:51.319 and of course the recent fire out in California, and 1569 01:24:51.439 --> 01:24:55.239 the Homeowners' association refuses to cut the grass down. So 1570 01:24:55.279 --> 01:24:56.159 they did go back there. 1571 01:24:56.199 --> 01:24:58.720 Okay, that's a whole separate issue, though, man, No, no, no, no, 1572 01:24:58.760 --> 01:25:00.000 that's a whole separate issue. 1573 01:25:00.600 --> 01:25:02.960 It's absolutely related to this time. Let me tell you 1574 01:25:03.000 --> 01:25:06.039 why they went back. And they went to the local 1575 01:25:06.119 --> 01:25:09.800 fire department and they said that they homeowners need to 1576 01:25:09.840 --> 01:25:14.279 have a fifteen foot fire break between the house and 1577 01:25:14.319 --> 01:25:18.960 the native grant and this this groundcover. 1578 01:25:18.520 --> 01:25:19.479 Is not giving. 1579 01:25:19.600 --> 01:25:21.960 Then I have a solution, Brian. Brian, you don't have 1580 01:25:22.039 --> 01:25:24.760 to convince me. I agree, you don't have to convince me. 1581 01:25:25.319 --> 01:25:29.279 I want to say. Let's just say the HOA is 1582 01:25:29.359 --> 01:25:34.119 one negligent or derelict in their duties and they need 1583 01:25:34.159 --> 01:25:37.239 to not only cut back the vegetation, but they have 1584 01:25:37.319 --> 01:25:39.560 to keep the grass trimmed. Is by the way, is 1585 01:25:39.560 --> 01:25:42.000 that open space part of the HA park property? 1586 01:25:42.119 --> 01:25:44.199 It's not public land right, yes? 1587 01:25:44.239 --> 01:25:46.079 And it was on fire last Saturday. 1588 01:25:47.279 --> 01:25:50.359 I'm asking you is it part of the HOA property 1589 01:25:50.520 --> 01:25:53.039 or is it public? And you said, yes, which one 1590 01:25:53.079 --> 01:25:54.079 is it? 1591 01:25:54.079 --> 01:25:57.079 It's part of the HOA and the old reason I'm concerned. 1592 01:25:57.119 --> 01:26:00.279 I'm okay, I'm getting a little anxious here is because is. 1593 01:26:00.600 --> 01:26:02.880 That June it was on fire. 1594 01:26:03.359 --> 01:26:06.039 It's a fire hazard. I looked out my window Saturday 1595 01:26:06.439 --> 01:26:08.359 and Brian the open space. 1596 01:26:08.439 --> 01:26:13.560 Brian, Brian, you don't understand something. You think repetition is 1597 01:26:13.640 --> 01:26:14.920 going to make it more. 1598 01:26:15.600 --> 01:26:16.479 Emphasize with me. 1599 01:26:17.239 --> 01:26:21.520 What you don't understand is I hear you. You're saying now, 1600 01:26:21.840 --> 01:26:26.640 in addition to varmints hiding under it, you have a problem, 1601 01:26:26.720 --> 01:26:30.880 and so do other homeowners with a fire break. I 1602 01:26:31.239 --> 01:26:33.760 get you. You don't have to say it again. I 1603 01:26:33.960 --> 01:26:37.800 agree with you. They should have a fire break. Now 1604 01:26:37.880 --> 01:26:40.720 here's what I was going to say. If the HOA 1605 01:26:40.760 --> 01:26:46.239 is one derelict in not providing the proper break and 1606 01:26:46.359 --> 01:26:50.239 not going by their own recommendations or by the recommendations 1607 01:26:50.319 --> 01:26:54.119 of the fire department for a fire break, then homeowners 1608 01:26:54.359 --> 01:26:58.560 who are concerned need to ouse the HOA. And I 1609 01:26:58.600 --> 01:27:00.800 don't even know if it's the h way you're fighting 1610 01:27:00.880 --> 01:27:04.039 or the management company, but you are an owner. So 1611 01:27:04.119 --> 01:27:07.720 if you get enough owners to agree with you, then 1612 01:27:07.800 --> 01:27:12.520 you can probably make an impact. Because the HOA. Here's 1613 01:27:12.560 --> 01:27:16.399 what's crazy. The HOA is not separate and apart from 1614 01:27:16.399 --> 01:27:20.199 you and your neighbors. You are the HOA. But is 1615 01:27:20.239 --> 01:27:24.119 it the HOA the actual president and vice president and 1616 01:27:24.199 --> 01:27:28.079 secretary treasurer, the ones that are being idiots? Or is 1617 01:27:28.119 --> 01:27:29.920 it the management company they. 1618 01:27:29.880 --> 01:27:33.000 Hired the management company. 1619 01:27:34.439 --> 01:27:39.920 Why doesn't the HOA order they're the the HOA is 1620 01:27:39.960 --> 01:27:43.920 the boss, not the management company. Why doesn't the HOA 1621 01:27:44.079 --> 01:27:48.000 president have a meeting? And you guys decide that you 1622 01:27:48.319 --> 01:27:55.039 tell the HOA management company that you want a firebreak? 1623 01:27:55.319 --> 01:27:55.840 Why not. 1624 01:27:58.680 --> 01:28:00.560 I'm going to be doing that to see even because 1625 01:28:00.800 --> 01:28:03.920 they do have an HOA meeting this afternoon. Or I'm 1626 01:28:03.920 --> 01:28:05.800 going to bring good and of. 1627 01:28:05.800 --> 01:28:08.479 Course good that we just had is going to make 1628 01:28:08.840 --> 01:28:10.760 is going to really a cree. 1629 01:28:10.640 --> 01:28:13.000 Now now, Brian, I don't want you to get lost 1630 01:28:13.039 --> 01:28:18.920 in translation. Seriously, so listen carefully. Your battle is not 1631 01:28:19.680 --> 01:28:24.119 with the HOA. Your battle you are simply saying to 1632 01:28:24.199 --> 01:28:29.960 the h we not you. We have to have a 1633 01:28:30.000 --> 01:28:34.079 fire break. I talk to the fire department, and the 1634 01:28:34.119 --> 01:28:39.880 fire break is not just for fires. But there's also 1635 01:28:40.039 --> 01:28:45.439 another issue, and that is our own policies should not 1636 01:28:45.600 --> 01:28:51.039 have plantings up against property lines. So I appeal to 1637 01:28:51.159 --> 01:28:56.479 you on the ha to help us pressure the management 1638 01:28:56.600 --> 01:29:00.680 company into hiring the proper people to get this done. Now, 1639 01:29:00.720 --> 01:29:03.039 by the way, there may not be enough funds in 1640 01:29:03.079 --> 01:29:05.680 the HOA. They may have to do a special assessment. 1641 01:29:05.800 --> 01:29:06.319 I don't know. 1642 01:29:06.680 --> 01:29:08.319 But here's the bottom line. 1643 01:29:08.479 --> 01:29:11.520 It is you are part of the HOA and you're 1644 01:29:11.640 --> 01:29:15.640 asking the management company to do what the HOA instructs. 1645 01:29:15.960 --> 01:29:20.760 The management company does not get to set the requirements 1646 01:29:20.840 --> 01:29:23.479 or they don't get to set the process, and they 1647 01:29:23.479 --> 01:29:25.640 don't get to set what they do and what they 1648 01:29:25.720 --> 01:29:29.680 don't do. They are simply an arm of the HOA. 1649 01:29:30.079 --> 01:29:33.439 So what you need is to get the HOA behind 1650 01:29:33.520 --> 01:29:37.479 you and other homeowners to force the management company or 1651 01:29:37.680 --> 01:29:42.279 kick their asses off the job. Management companies are not 1652 01:29:42.960 --> 01:29:48.760 the boss. The problem is over the years, management companies 1653 01:29:49.159 --> 01:29:55.119 have become the bosses because of inept hoas. 1654 01:29:55.960 --> 01:29:57.720 Now, does all this make sense to you? 1655 01:29:59.159 --> 01:30:02.000 Perfectly good? 1656 01:30:02.239 --> 01:30:04.199 I want you to do it and call us back 1657 01:30:04.239 --> 01:30:08.119 and let us know. You let us know because you 1658 01:30:08.199 --> 01:30:11.560 can tell the HOA by the way in your meeting. 1659 01:30:12.199 --> 01:30:17.119 By the way, HOA, we knowing that there is a problem, 1660 01:30:17.479 --> 01:30:21.600 and we've already had a brush fire. Knowing this puts 1661 01:30:21.840 --> 01:30:27.600 us at risk for liability and negligence should something happen 1662 01:30:28.039 --> 01:30:31.159 and some of these homes be burnt down. Because the 1663 01:30:31.319 --> 01:30:35.720 insurance companies that ensure these homes will come after us. 1664 01:30:36.840 --> 01:30:40.159 You better tell them that, because this is no laughing matter. 1665 01:30:40.880 --> 01:30:43.600 Three oh three seven to one three talks seven one 1666 01:30:43.600 --> 01:30:51.520 three eight two five five. Go with a sure thing 1667 01:30:51.640 --> 01:30:54.920 Denver's best roofer Excel Roofing dot com. You don't pay 1668 01:30:54.960 --> 01:30:56.880 a cent until you're content. 1669 01:30:59.000 --> 01:30:59.680 Top of it. 1670 01:31:00.199 --> 01:31:03.039 For an insurance check up free, no obligation. In comparison, 1671 01:31:03.159 --> 01:31:06.760 call Compass Insurance pain too much your coverage at dozens 1672 01:31:06.760 --> 01:31:09.479 of insurance companies find out now three oh three seven 1673 01:31:09.600 --> 01:31:10.079 seven to one. 1674 01:31:10.159 --> 01:31:10.439 Help. 1675 01:31:10.600 --> 01:31:13.239 You'll think you're his only customer when you choose Frank 1676 01:31:13.319 --> 01:31:15.760 durand the real estate Man dot com to list your 1677 01:31:15.800 --> 01:31:18.960 home with Remax Alliance three oh three nine two zero 1678 01:31:19.039 --> 01:31:25.640 sixteen twenty two. I'm Tom Martino. You're troubleshooter. By the way, 1679 01:31:25.760 --> 01:31:28.800 Genesis Totally series. You know what they do, mold detection 1680 01:31:29.039 --> 01:31:32.720 and remediation, and they're good people. Mark and his wife 1681 01:31:32.800 --> 01:31:38.199 so this, and they also do painting. Great painters. Jennis 1682 01:31:38.279 --> 01:31:41.359 is totally serious dot com. Okay, now, let's talk about 1683 01:31:41.880 --> 01:31:44.720 a reverse loan with Philip. He wants to talk about that. 1684 01:31:45.039 --> 01:31:47.239 Keep your calls coming. Three O three seven one three 1685 01:31:47.239 --> 01:31:49.399 talks seven one three, eight two five five. And then 1686 01:31:49.439 --> 01:31:52.359 we promised you and we will get you the Gravinas 1687 01:31:52.520 --> 01:31:56.000 dot com. Gravina siding and windows or Gravina windows insiding, 1688 01:31:56.279 --> 01:31:58.359 however way you put it is Gravina. We're gonna get 1689 01:31:58.399 --> 01:32:01.119 that home show special. But Philip first, go ahead, Philip, 1690 01:32:01.159 --> 01:32:01.720 what's going on? 1691 01:32:02.760 --> 01:32:06.279 All right? Philip hung up right? No, No, he's there. 1692 01:32:07.800 --> 01:32:08.760 Oh hi Philip. 1693 01:32:09.640 --> 01:32:14.760 Yeah. I've been told by several attenders that if I 1694 01:32:15.039 --> 01:32:19.439 buy a house using a reverse in the long run, 1695 01:32:19.560 --> 01:32:21.840 I can come out with a profit through the line 1696 01:32:21.880 --> 01:32:27.119 of credit over the property taxes and the initial large fee. 1697 01:32:27.640 --> 01:32:30.840 What are the pluses and minuses of buying a house 1698 01:32:31.159 --> 01:32:32.640 using that kind of Martine? 1699 01:32:34.279 --> 01:32:39.560 Okay, now technically it's not a profit, but I see 1700 01:32:39.600 --> 01:32:40.840 why they're calling it that. 1701 01:32:41.159 --> 01:32:42.520 Let me explain this to you. 1702 01:32:43.520 --> 01:32:47.760 To buy a house with a reverse loan, you need 1703 01:32:47.800 --> 01:32:52.680 to have, obviously the equity to put down. So what 1704 01:32:52.720 --> 01:32:55.720 you do is depending on your age. 1705 01:32:55.720 --> 01:33:01.760 How old are you? Philip seventy four? Okay, So let's. 1706 01:33:01.560 --> 01:33:06.039 Just say, and I'm not sure at seventy four, it 1707 01:33:06.159 --> 01:33:11.760 might be something around I think seventy five to eighty 1708 01:33:11.800 --> 01:33:13.640 percent loan to value. 1709 01:33:14.199 --> 01:33:16.640 So how much is the home you're looking at? 1710 01:33:17.920 --> 01:33:19.800 Well, I don't have a home yet to give a 1711 01:33:19.800 --> 01:33:24.159 price on, but in the range of say one fifty 1712 01:33:24.359 --> 01:33:27.560 to one seventy, you're not going to. 1713 01:33:27.479 --> 01:33:29.520 Find a house for one fifty to one seventy Where 1714 01:33:29.520 --> 01:33:30.039 are you looking? 1715 01:33:31.600 --> 01:33:34.840 Oh, I've found plenty of houses in that range in 1716 01:33:34.880 --> 01:33:36.119 Tennessee and Florida. 1717 01:33:37.640 --> 01:33:41.800 I'm sorry, I'm sorry, You're right. I thought you were 1718 01:33:41.840 --> 01:33:44.000 talking about Colorado Denver area. 1719 01:33:44.079 --> 01:33:47.960 I'm sorry. So let's just go one seventy five. Okay. 1720 01:33:49.960 --> 01:33:52.520 So, if you found a house for one hundred and 1721 01:33:52.560 --> 01:33:55.319 seventy five thousand you wanted to purchase with a line 1722 01:33:55.359 --> 01:34:00.239 of credit, you would probably have I'm just guessing maybe 1723 01:34:00.359 --> 01:34:03.079 you can probably get at your age seventy five percent 1724 01:34:03.119 --> 01:34:04.119 loan to value. 1725 01:34:04.319 --> 01:34:04.760 Okay. 1726 01:34:05.720 --> 01:34:09.239 So that would mean that you would have to come 1727 01:34:09.359 --> 01:34:12.000 up with the balance. So let's just use easy numbers. 1728 01:34:12.359 --> 01:34:16.239 Let's see thirty, So you would have to probably, say 1729 01:34:16.279 --> 01:34:18.800 one hundred and thirty out of one seventy five. So 1730 01:34:18.800 --> 01:34:20.960 so you know, just do the math. So take one 1731 01:34:21.079 --> 01:34:24.720 seventy five I'm trying to do this live on the 1732 01:34:25.119 --> 01:34:27.840 and then subtract about one thirty in the loan you 1733 01:34:27.840 --> 01:34:31.159 can get in a reverse loan, and you would get 1734 01:34:31.199 --> 01:34:34.199 about so you you have to put down about forty 1735 01:34:34.199 --> 01:34:35.279 five okay. 1736 01:34:36.239 --> 01:34:38.439 Forty five K, got it? 1737 01:34:38.600 --> 01:34:39.359 Forty five k? 1738 01:34:39.479 --> 01:34:45.159 Right, So now the rest of the loan, let's shore. 1739 01:34:45.319 --> 01:34:46.880 This is just really rough numbers. 1740 01:34:47.359 --> 01:34:53.239 So now you would theoretically, oh, absolutely absolutely, how much 1741 01:34:53.279 --> 01:34:54.159 do you want to put down? 1742 01:34:56.319 --> 01:34:58.600 Well, I have to sell my house here first to 1743 01:34:58.680 --> 01:35:01.479 know for sure, but I without that, I could probably 1744 01:35:01.479 --> 01:35:05.319 put down eighty or ninety. 1745 01:35:06.880 --> 01:35:09.880 Okay, So let's say seventy five you put down. You 1746 01:35:09.880 --> 01:35:14.159 have a loan for one hundred, right, okay, So on 1747 01:35:14.199 --> 01:35:16.720 that loan for one hundred, the reverse loan, you wouldn't 1748 01:35:16.760 --> 01:35:19.359 have to make any payments. You just pay your taxes 1749 01:35:19.399 --> 01:35:25.399 and insurance, and then that would accrue money against it, right, 1750 01:35:25.760 --> 01:35:28.199 and then every year a crewe so in other words, 1751 01:35:28.600 --> 01:35:32.560 that you wouldn't have to pay. Now, what you do 1752 01:35:32.720 --> 01:35:35.119 is if you have a line of credit on. 1753 01:35:35.039 --> 01:35:35.640 Top of that. 1754 01:35:36.039 --> 01:35:39.199 See and so let's say it makes a certain amount 1755 01:35:39.239 --> 01:35:44.159 available that line of credit grows every year by the 1756 01:35:44.199 --> 01:35:48.880 same percentage as the loan, and it grows the line 1757 01:35:48.880 --> 01:35:54.359 of credit grows, which means the amount available. It's not 1758 01:35:54.560 --> 01:35:58.079 really a profit. It's not money in your pocket. It's 1759 01:35:58.199 --> 01:35:59.920 money available to borrow. 1760 01:36:00.479 --> 01:36:05.159 I bet jouretically almost a perfect idea, you know what 1761 01:36:05.199 --> 01:36:05.720 I'm saying. 1762 01:36:06.159 --> 01:36:08.439 In fact, we can get John on and we should 1763 01:36:08.600 --> 01:36:14.399 and he frankly, yeah, he'll do the loan. Yeah, call CMG. 1764 01:36:14.920 --> 01:36:17.359 But I'm just giving you an overview. So let's say 1765 01:36:17.399 --> 01:36:20.199 now you're in a home, you have a reverse loan, 1766 01:36:20.880 --> 01:36:24.079 and now you have a line of credit. So the 1767 01:36:24.119 --> 01:36:29.520 line of credit will help you borrow, uh, if you 1768 01:36:29.600 --> 01:36:31.239 need to in the future, and if. 1769 01:36:31.119 --> 01:36:32.720 You don't use it, it sits there. 1770 01:36:33.800 --> 01:36:38.079 But the line of credit grows, not not in cash, 1771 01:36:38.159 --> 01:36:43.399 but in the ability to borrow, and it grows every year. 1772 01:36:44.640 --> 01:36:49.960 But you theoretically don't profit from it. It's money available 1773 01:36:50.000 --> 01:36:52.680 to borrow. I'll let John explain some of this as 1774 01:36:52.720 --> 01:36:55.359 how a line of credit works on a reverse loan. 1775 01:36:55.840 --> 01:36:59.239 After this one, yeah. 1776 01:36:59.119 --> 01:37:00.680 I'm going to take it right after this. 1777 01:37:06.199 --> 01:37:09.439 Go with a sure thing Denver's best roofer Excel roofing 1778 01:37:09.560 --> 01:37:12.199 dot com. You don't pay a cent until you're content. 1779 01:37:15.600 --> 01:37:18.760 Time for an insurance check up free no obligation comparison 1780 01:37:18.920 --> 01:37:22.479 call Compass Insurance paying too much your coverage at dozens 1781 01:37:22.479 --> 01:37:25.199 of insurance companies find out now three O three seven 1782 01:37:25.199 --> 01:37:27.560 to seven to one help. You'll think you're his only 1783 01:37:27.680 --> 01:37:30.119 customer when you choose Frank durand the real estate man 1784 01:37:30.159 --> 01:37:33.560 dot com to list your home with Remax Alliance three 1785 01:37:33.800 --> 01:37:35.760 three nine two zero sixteen twenty two. 1786 01:37:40.520 --> 01:37:41.880 Hey, I'm Tom Martine. 1787 01:37:42.399 --> 01:37:46.600 Hey, using a reverse loan to buy a house may 1788 01:37:46.640 --> 01:37:50.159 seem confusing, but really what you're doing is putting You're 1789 01:37:50.159 --> 01:37:52.600 putting down a down payment and then you don't have 1790 01:37:52.640 --> 01:37:55.000 a mortgage. That's really the way it works. And the 1791 01:37:55.079 --> 01:37:59.960 down payment will be a little larger than a normal loan, 1792 01:38:00.680 --> 01:38:03.479 John Clase. So if you're gonna buy, if this guy 1793 01:38:03.600 --> 01:38:08.720 is seventy four and he's buying a house like for 1794 01:38:08.760 --> 01:38:12.640 one hundred and eighty, like in another state, so how 1795 01:38:12.720 --> 01:38:13.800 much would he have to put down? 1796 01:38:13.840 --> 01:38:17.279 Approximately assimately about. 1797 01:38:18.600 --> 01:38:23.359 He's sixty at that age he'd have to put down so. 1798 01:38:23.319 --> 01:38:24.239 They'd lend your pulle. 1799 01:38:24.319 --> 01:38:27.039 Oh say, I'm sorry, I was doing just the opposite. 1800 01:38:27.079 --> 01:38:29.600 I'm sorry, So you do have to put down quite 1801 01:38:29.600 --> 01:38:29.920 a bit. 1802 01:38:31.159 --> 01:38:34.199 You do, yes, you do, and it's it's based on age. 1803 01:38:34.199 --> 01:38:35.600 But at seventy four. 1804 01:38:36.199 --> 01:38:39.720 I'm sorry, I totally screwed that up. You're you're right, 1805 01:38:40.079 --> 01:38:44.039 I'm forgetting. The reverse loan is really the loan on 1806 01:38:44.079 --> 01:38:47.359 your equity, and you have to have the Okay, so 1807 01:38:47.439 --> 01:38:50.520 on one hundred and eighty thousand dollars home, he's looking 1808 01:38:50.600 --> 01:38:56.840 at putting down, you're saying seventy percent at least fifty. 1809 01:39:00.279 --> 01:39:01.840 I'm sorry, fifty nine percent. 1810 01:39:02.199 --> 01:39:06.199 So then basically he's putting down one hundred hundred and 1811 01:39:06.239 --> 01:39:10.800 six thousand. Yeah, so okay, yeah, so if he puts, 1812 01:39:11.039 --> 01:39:13.600 let's just say he puts, so let's just make it easy. 1813 01:39:13.600 --> 01:39:15.960 He puts one hundred grand down, and he has an 1814 01:39:16.000 --> 01:39:21.319 eighty thousand dollars reverse loan, right correct? 1815 01:39:21.840 --> 01:39:22.199 Roughly? 1816 01:39:22.680 --> 01:39:26.359 Okay, when does it become fifty to fifty? Is that 1817 01:39:26.399 --> 01:39:27.720 when you're about eighty something? 1818 01:39:28.079 --> 01:39:31.079 Boy, they don't even really get to that point anymore 1819 01:39:31.239 --> 01:39:33.600 with the new laws. I mean you may get to 1820 01:39:33.960 --> 01:39:37.439 you get to about forty five forty six percent max 1821 01:39:37.800 --> 01:39:40.640 type thing on the new reverse mortgages on the loss. 1822 01:39:41.000 --> 01:39:45.520 Yeah, then he's going so let's say Phil, But then 1823 01:39:45.560 --> 01:39:48.359 he's so let's say live there till he's one hundred 1824 01:39:48.359 --> 01:39:50.279 and ten. God bless him if he lives out well, 1825 01:39:50.680 --> 01:39:54.359 that that's right. If he puts down enough money, if 1826 01:39:54.439 --> 01:39:56.840 he puts down the required amount of money, he never 1827 01:39:56.920 --> 01:40:01.199 has to worry about the balance ever. But now John explain, 1828 01:40:02.159 --> 01:40:06.199 if he does the line of credit option, he would 1829 01:40:06.359 --> 01:40:10.000 literally have to put down most of it, right because 1830 01:40:10.039 --> 01:40:12.479 if he just puts down the minimum, there is no 1831 01:40:12.560 --> 01:40:13.560 line of credit. 1832 01:40:14.319 --> 01:40:17.479 Exactly right, So you don't get that credit, that growth 1833 01:40:17.560 --> 01:40:20.720 or whatever on the line of credit. So you're right 1834 01:40:20.760 --> 01:40:21.680 on that tom And. 1835 01:40:21.760 --> 01:40:25.600 If so, he'd have to pay In essence, let's just 1836 01:40:25.680 --> 01:40:28.199 make numbers easy. If he bought a home for two 1837 01:40:28.319 --> 01:40:31.079 hundred grand, he would literally have to pay it off. 1838 01:40:32.680 --> 01:40:34.960 If he wanted to get that line, yeah, for the 1839 01:40:35.000 --> 01:40:36.159 line of credit, and then that's. 1840 01:40:36.000 --> 01:40:38.800 Okay, So he would buy that hold on, so he 1841 01:40:38.840 --> 01:40:43.319 would buy the house in cash. Then he would get 1842 01:40:43.359 --> 01:40:47.800 a reverse line of credit and not use it, and 1843 01:40:47.479 --> 01:40:51.079 and so he'd have it for emergencies. So on a 1844 01:40:51.159 --> 01:40:56.479 two hundred thousand dollars purchase, roughly he would have available 1845 01:40:56.520 --> 01:40:58.159 to him for emergencies. 1846 01:40:59.079 --> 01:41:05.359 The how much, oh what would that be? So ninety 1847 01:41:05.359 --> 01:41:07.960 thousand something like that and the two hundred thousands. 1848 01:41:07.960 --> 01:41:12.840 Okay, so let's say he has so now he buys 1849 01:41:12.880 --> 01:41:16.319 the house for two hundred grand, and then he gets 1850 01:41:16.359 --> 01:41:20.680 a ninety thousand dollars reverse line of credit. He doesn't 1851 01:41:20.760 --> 01:41:24.840 have to use it, but if he needs money he 1852 01:41:24.880 --> 01:41:30.399 can borrow from it, and whatever he doesn't use grows 1853 01:41:30.920 --> 01:41:33.119 by the same interest rate as the oone. 1854 01:41:33.239 --> 01:41:37.840 Right, that is correct, You're right, and it grows, so 1855 01:41:38.079 --> 01:41:40.880 you get heat. It grows by the same So on. 1856 01:41:40.840 --> 01:41:47.359 His first second, after his first year of living in 1857 01:41:47.359 --> 01:41:50.920 the home, if he doesn't use it, his line of 1858 01:41:51.000 --> 01:41:55.439 credit for ninety grand will grow by whatever percentage the 1859 01:41:55.479 --> 01:41:58.399 loan is. And if he doesn't use it the second year, 1860 01:41:58.439 --> 01:42:02.159 it'll grow again. That doesn't put money in his pocket, 1861 01:42:02.680 --> 01:42:07.880 but it makes money available more money available. So while 1862 01:42:07.920 --> 01:42:11.359 I had the percentages wrong, I had the concept correct. 1863 01:42:11.760 --> 01:42:14.840 You have a line of credit that sits there that 1864 01:42:14.880 --> 01:42:19.520 you use only when you need it, And Philip, do 1865 01:42:19.520 --> 01:42:21.880 you understand that concept? 1866 01:42:22.119 --> 01:42:23.640 But yeah, and you're exactly right. 1867 01:42:23.520 --> 01:42:24.079 Tomp. 1868 01:42:26.199 --> 01:42:26.560 Philip. 1869 01:42:26.560 --> 01:42:28.199 Do you have any follow up questions? 1870 01:42:29.199 --> 01:42:32.399 Kic, what are the odds that the initial height showing 1871 01:42:32.479 --> 01:42:33.880 hold on hold on shade it down. 1872 01:42:35.640 --> 01:42:37.960 All right, well hold on, you wait and we'll figure 1873 01:42:37.960 --> 01:42:38.359 that out. 1874 01:42:38.359 --> 01:42:39.079 Coming right up. 1875 01:42:39.319 --> 01:42:42.039 And then David wants to talk about hoa's and more. 1876 01:42:43.119 --> 01:42:46.399 Go with a sure thing Denver's best roofer Excel Roofing 1877 01:42:46.520 --> 01:42:49.159 dot com. You don't pay a cent until you're content. 1878 01:42:52.520 --> 01:42:55.720 Time for an insurance check up free, no obligation in comparison, 1879 01:42:55.840 --> 01:42:59.399 call Compass Insurance paying too much your coverage at dozens 1880 01:42:59.399 --> 01:43:02.159 of insurance companies find out now three all three seven 1881 01:43:02.239 --> 01:43:02.720 seven to one. 1882 01:43:02.840 --> 01:43:03.079 Help. 1883 01:43:03.279 --> 01:43:05.880 You'll think you're his only customer when you choose Frank 1884 01:43:05.960 --> 01:43:08.399 durand the real estate Man dot com to list your 1885 01:43:08.439 --> 01:43:11.560 home with Remax Alliance three all three nine two zero 1886 01:43:11.720 --> 01:43:12.680 sixteen twenty two. 1887 01:43:13.439 --> 01:43:18.439 Yeah, rit. 1888 01:43:20.439 --> 01:43:23.399 News, you need advices who you don't have. 1889 01:43:25.680 --> 01:43:28.079 Come running as fast as we can. 1890 01:43:28.960 --> 01:43:32.119 Shooter's gonna help coming, Man. 1891 01:43:32.840 --> 01:43:39.880 Dix is the Troubleshooter Show now, Tom Martine, Hey, Hey, hey. 1892 01:43:40.079 --> 01:43:42.520 Welcome to the show. Three oh three seven one three 1893 01:43:42.640 --> 01:43:45.800 talk three oh three seven one three eight two five five. 1894 01:43:45.960 --> 01:43:49.039 By the way, uh, for those who are technically minded, 1895 01:43:49.079 --> 01:43:52.239 I'm on discord streaming as well right now, but you 1896 01:43:52.359 --> 01:43:52.680 got to be. 1897 01:43:52.680 --> 01:43:55.199 A member and March not allowed, so he can't be 1898 01:43:55.279 --> 01:44:00.000 on there, but anyway, so welcome. I'm Tom Martinez. 1899 01:44:00.000 --> 01:44:02.920 You know, we're talking about using a reverse loan to 1900 01:44:03.000 --> 01:44:07.640 buy a house. So basically, with a reverse loan, you 1901 01:44:07.800 --> 01:44:10.600 have to put down enough money that you have the 1902 01:44:10.720 --> 01:44:14.720 required equity. And let's face it, reverse loans are different 1903 01:44:14.760 --> 01:44:15.640 than regular loans. 1904 01:44:15.720 --> 01:44:19.159 A reverse loan is where you can put. 1905 01:44:19.079 --> 01:44:24.640 Down is where you have a loan for the minority 1906 01:44:24.720 --> 01:44:29.039 share of the house. It's not the majority, so up 1907 01:44:29.119 --> 01:44:32.880 to maybe forty eight percent. So if you have a 1908 01:44:32.960 --> 01:44:35.600 house paid for, you can get forty eight percent of 1909 01:44:35.680 --> 01:44:40.279 that money back, or if you have a loan, you 1910 01:44:40.359 --> 01:44:41.960 can pay off that loan as long as you have 1911 01:44:42.520 --> 01:44:45.439 as long as you don't have more than forty eight 1912 01:44:45.479 --> 01:44:49.199 percent borrowed. If you have less than forty eight percent borrowed, 1913 01:44:49.239 --> 01:44:51.960 like if your house is completely paid off, you can 1914 01:44:52.039 --> 01:44:54.079 have a line of credit going up to forty eight 1915 01:44:54.119 --> 01:44:58.079 percent loan to value. And then what you do is 1916 01:44:58.159 --> 01:45:00.439 you borrow that money up or pay it and you 1917 01:45:00.520 --> 01:45:02.279 can use it as a line or never pay it 1918 01:45:03.600 --> 01:45:09.000 if the part of the credit you don't use grows, 1919 01:45:09.479 --> 01:45:11.479 meaning the capacity to borrow. 1920 01:45:12.039 --> 01:45:13.239 So let's make it easy. 1921 01:45:13.960 --> 01:45:16.159 Let's say you have an expensive home and you have 1922 01:45:16.239 --> 01:45:20.159 one hundred grand available to borrow, and you don't borrow it, 1923 01:45:20.920 --> 01:45:22.880 the next year it'll be one hundred and five grand 1924 01:45:23.960 --> 01:45:26.439 that you have available to borrow. And if you don't 1925 01:45:26.479 --> 01:45:28.600 do that, then you take one hundred and five and 1926 01:45:28.720 --> 01:45:33.000 do your interest again, and it compounds and it gives 1927 01:45:33.039 --> 01:45:34.279 you a bigger line of credit. 1928 01:45:35.279 --> 01:45:36.159 That's what it gives you. 1929 01:45:36.199 --> 01:45:40.239 Now, Am I explaining that pretty correctly? John Clase with 1930 01:45:40.399 --> 01:45:43.520 CMG Financial, Yeah, you're. 1931 01:45:43.399 --> 01:45:46.279 Doing very good. So it basically grows by what you 1932 01:45:46.439 --> 01:45:48.600 now interest rate is yeah. 1933 01:45:50.960 --> 01:45:54.560 Yeah, So a line of credit is one of the options. 1934 01:45:54.680 --> 01:45:56.760 Another one is you could choose to get a check 1935 01:45:56.840 --> 01:46:00.680 every month. Another one is you could choose a lump 1936 01:46:00.800 --> 01:46:05.600 some option, but you will never borrow more than the 1937 01:46:05.760 --> 01:46:06.760 initial amount. 1938 01:46:07.720 --> 01:46:11.039 And whatever the line of credit growth. 1939 01:46:11.119 --> 01:46:14.560 And John, as far as income on a reverse besides 1940 01:46:14.760 --> 01:46:20.439 you know, qualifying for taxes or maybe hoa payments, really 1941 01:46:20.640 --> 01:46:24.079 other than that, you don't have to have income, right, 1942 01:46:24.159 --> 01:46:27.000 I mean it's really made for seniors that have equity built. 1943 01:46:26.840 --> 01:46:30.840 Up, that is correct. It can, Yeah, you don't have 1944 01:46:30.960 --> 01:46:33.800 to have income. And nowadays, if you have the seven 1945 01:46:33.880 --> 01:46:37.039 hundred credit scores, they don't even ask for any income. 1946 01:46:37.159 --> 01:46:41.119 But usually so security. And by the way, that's an insurance. 1947 01:46:43.479 --> 01:46:48.399 And by the way, in addition to that, the you 1948 01:46:48.479 --> 01:46:52.439 know income, it's not income when you draw money out, 1949 01:46:52.840 --> 01:46:56.319 so that that too, So there's no income either way, 1950 01:46:56.399 --> 01:46:57.680 there's no income to qualify. 1951 01:46:57.760 --> 01:47:00.760 That's a good time. So when you pull if you 1952 01:47:00.960 --> 01:47:03.920 borrow that equity. So let's say you know this caller 1953 01:47:04.039 --> 01:47:07.000 has a line of credit. When he pulls out ten 1954 01:47:07.119 --> 01:47:10.039 grand to go whatever, buy a car or something, he 1955 01:47:10.159 --> 01:47:12.920 doesn't pay any income tax on that ten grand at all. 1956 01:47:14.720 --> 01:47:18.279 Correct, that's that's I won't affect any Medicare or Medicaid 1957 01:47:18.359 --> 01:47:21.800 that you have. So it's completely tatt John, can you. 1958 01:47:21.920 --> 01:47:24.560 Do loans because you're with What I love about John 1959 01:47:24.680 --> 01:47:27.600 Tom is he's with the bank. I mean, the underwriters 1960 01:47:27.640 --> 01:47:29.880 are like in the door next to him. You're dealing 1961 01:47:30.000 --> 01:47:32.760 with the guy that's literally giving you the money, not 1962 01:47:32.880 --> 01:47:35.760 a broker. But John, you can do not only this 1963 01:47:35.960 --> 01:47:38.960 kind of loan, but all traditional loans as well, but 1964 01:47:39.159 --> 01:47:40.800 in every single state. 1965 01:47:41.079 --> 01:47:45.479 Correct, that is correct? Yep, we do them all in everything. 1966 01:47:46.039 --> 01:47:46.479 I love it. 1967 01:47:47.039 --> 01:47:47.279 Yep. 1968 01:47:47.960 --> 01:47:50.319 Now, Philip, and since you're the one that had the 1969 01:47:50.399 --> 01:47:54.880 original question, you had some follow up questions on buying 1970 01:47:54.960 --> 01:47:58.720 with a reverse mortgage. Go ahead, Philip, Well, I have 1971 01:47:58.880 --> 01:47:59.359 two now. 1972 01:47:59.840 --> 01:48:04.239 The first one was I wonder the odds of negotiating 1973 01:48:04.680 --> 01:48:09.720 the initial large fee down and how much? 1974 01:48:11.560 --> 01:48:13.960 You know, what do you mean the initial large fee? 1975 01:48:14.600 --> 01:48:15.680 You mean the down payment? 1976 01:48:15.800 --> 01:48:18.319 Told me it would cost me fifteen thousand to get 1977 01:48:18.359 --> 01:48:18.840 the reverse. 1978 01:48:21.039 --> 01:48:24.840 Oh, you're talking about the actual charges. You're talking about 1979 01:48:24.960 --> 01:48:28.600 like the points and the closing costs. You're not talking 1980 01:48:28.640 --> 01:48:32.119 about the amount to put down on the house. You're 1981 01:48:32.199 --> 01:48:35.760 talking about the expense or the cost of the loan. 1982 01:48:36.880 --> 01:48:37.199 Correct. 1983 01:48:38.840 --> 01:48:41.920 And it's well, John, what is mortgage in church? 1984 01:48:43.479 --> 01:48:43.600 Oh? 1985 01:48:43.720 --> 01:48:44.880 Go ahead, sorry. 1986 01:48:46.159 --> 01:48:47.720 John, what are the costs involved? 1987 01:48:48.920 --> 01:48:51.800 Well, for example, itself from mortgage insurance that is the 1988 01:48:52.000 --> 01:48:56.039 most most expensive thing. But it also guarantees that no 1989 01:48:56.239 --> 01:48:58.640 matter what, this line of credit can never go away, 1990 01:48:58.760 --> 01:49:01.640 can never be frozen, he never have to pay it back. 1991 01:49:01.840 --> 01:49:06.159 So the upfront mortga insurance you cannot really negotiate. You 1992 01:49:06.319 --> 01:49:11.239 can negotiate the origination fee, which would be about you know, 1993 01:49:11.319 --> 01:49:13.880 between four and six thousand on something like that. But 1994 01:49:13.960 --> 01:49:16.680 you got to remember, like anything else, if you want 1995 01:49:16.720 --> 01:49:20.319 to pay less there, you're just gonna they're gonna raise 1996 01:49:20.359 --> 01:49:23.279 the margin, which means your rate's gonna be a little 1997 01:49:23.319 --> 01:49:26.960 bit higher. So it's kind of a catch. Twenty two is, yeah, 1998 01:49:27.000 --> 01:49:29.319 you can get it down, but then you're gonna get 1999 01:49:29.520 --> 01:49:30.920 you know, you're gonna have to bring a little bit 2000 01:49:30.960 --> 01:49:33.279 more in. You're gonna pay a little bit higher rate 2001 01:49:33.399 --> 01:49:35.880 or be charged a higher rate. But for Nip on 2002 01:49:36.000 --> 01:49:39.439 something like his loan, the upfront fees would be about 2003 01:49:39.479 --> 01:49:42.880 eleven thousand dollars with title because of the up front 2004 01:49:42.960 --> 01:49:45.159 mortgage insurance fee so on. 2005 01:49:45.319 --> 01:49:48.159 That now nothing out of pocket, and that's built and 2006 01:49:48.279 --> 01:49:51.239 that's built into the loan, right, in other words, that 2007 01:49:51.520 --> 01:49:54.520 that becomes part of the loan. Yeah, but it's still 2008 01:49:54.520 --> 01:49:58.439 eleven brand I understand that. But if he doesn't have 2009 01:49:58.640 --> 01:50:01.960 the cash, it can be built into the loan. 2010 01:50:03.000 --> 01:50:05.960 Correct, correct, And that's ninety nine percent of that. That's 2011 01:50:06.039 --> 01:50:09.560 what happens. And it's it's mainly the mortgage insurance, and 2012 01:50:09.640 --> 01:50:12.520 you get the guarantees that come with the mortgage insurance. 2013 01:50:12.680 --> 01:50:16.239 Like you know, your house, you could never have to 2014 01:50:16.479 --> 01:50:18.439 move out of your house, you never have to make 2015 01:50:18.439 --> 01:50:21.760 a mortgage payment, the line of credit can never be frozen. 2016 01:50:21.920 --> 01:50:24.720 So there's a lot of guarantees for it, especially if 2017 01:50:24.800 --> 01:50:26.560 you think about the costs and if you're going to 2018 01:50:26.600 --> 01:50:29.439 live in that house another twenty years. They're really not 2019 01:50:29.640 --> 01:50:31.000 that bad. But they are. 2020 01:50:32.560 --> 01:50:32.800 Okay. 2021 01:50:32.880 --> 01:50:34.560 And Philip, you said you had two questions. 2022 01:50:34.640 --> 01:50:35.359 What's your other one? 2023 01:50:37.079 --> 01:50:41.439 Well, I forgot. 2024 01:50:43.640 --> 01:50:43.680 That. 2025 01:50:44.800 --> 01:50:46.760 Well, one lender told me I would have to pay 2026 01:50:47.159 --> 01:50:48.640 fifteen thousand up front. 2027 01:50:49.560 --> 01:50:52.920 Well, the John's cheaper. I mean he works directly for 2028 01:50:53.000 --> 01:50:55.960 the bank. Well, it could be it. It could also 2029 01:50:56.159 --> 01:51:01.279 be that we you're quoting, they're quoting different numbers than 2030 01:51:01.319 --> 01:51:04.359 we are. I mean, we didn't get any exact numbers. Philip, 2031 01:51:04.479 --> 01:51:06.239 if you have another question, you're welcome to hang on. 2032 01:51:06.399 --> 01:51:06.720 Miles. 2033 01:51:06.800 --> 01:51:09.279 You have a question while John is on Go ahead, Miles. 2034 01:51:10.880 --> 01:51:11.079 Yeah. 2035 01:51:11.119 --> 01:51:16.279 My question, if my parents get a reverse mortgage, my 2036 01:51:16.439 --> 01:51:19.800 father and mother of both on a deed. If they 2037 01:51:19.840 --> 01:51:22.520 get a reverse mortgage and my father has to go 2038 01:51:22.640 --> 01:51:25.520 into assist in living, can my mother still live in 2039 01:51:25.600 --> 01:51:28.079 the house or will we have to sell the house 2040 01:51:28.760 --> 01:51:32.920 to take care of that loan because he is not 2041 01:51:33.039 --> 01:51:33.960 living in the premises. 2042 01:51:34.479 --> 01:51:36.840 Do you understand are they both going to apply for 2043 01:51:36.960 --> 01:51:38.600 the loan or is only one going to be on 2044 01:51:38.680 --> 01:51:39.039 the loan? 2045 01:51:41.359 --> 01:51:42.159 You know, I'm not sure. 2046 01:51:42.159 --> 01:51:42.640 I'm not sure. 2047 01:51:42.720 --> 01:51:46.239 What's the best way to do it, John Clace, What 2048 01:51:46.439 --> 01:51:47.479 is the best way to do it? 2049 01:51:48.000 --> 01:51:49.880 The best way is you have to do both of 2050 01:51:49.880 --> 01:51:52.640 them have alone, because what they do is no matter what, 2051 01:51:52.840 --> 01:51:56.479 they go off the younger youngest birthday, and so the 2052 01:51:57.039 --> 01:51:59.920 what you qualify for is based off the younger of 2053 01:52:00.079 --> 01:52:03.319 the two bars. And no, she would not happen. Yes, 2054 01:52:03.399 --> 01:52:05.439 she can live there as long as as long as 2055 01:52:05.520 --> 01:52:08.079 she wants. Also, so if he goes into assisted living, 2056 01:52:08.680 --> 01:52:11.399 the loan did not become do she can live there. 2057 01:52:11.720 --> 01:52:14.359 The great thing about it is you can use the 2058 01:52:14.520 --> 01:52:17.239 loan proceed to help pay for assisted living if you 2059 01:52:17.319 --> 01:52:17.720 needed to. 2060 01:52:18.119 --> 01:52:20.000 Hey, how many months a year do you have to 2061 01:52:20.079 --> 01:52:20.479 live in that? 2062 01:52:20.600 --> 01:52:23.239 In other words, if someone had, you know, one house 2063 01:52:23.319 --> 01:52:26.000 with the reverse mortgage and then had a I don't know, 2064 01:52:26.119 --> 01:52:29.720 a condo somewhere else for the winner, I mean, is 2065 01:52:29.760 --> 01:52:32.399 there any rules on how long each year you have 2066 01:52:32.520 --> 01:52:33.600 to stay in the house. 2067 01:52:35.119 --> 01:52:38.399 It's kind of arbitrary, but the rule kind of looks at, 2068 01:52:38.520 --> 01:52:40.960 you know, as long as you're in there a little 2069 01:52:40.960 --> 01:52:43.720 bit over six months per year in this primary house. 2070 01:52:43.800 --> 01:52:46.560 But got it. They don't do reverses on second homes. 2071 01:52:46.600 --> 01:52:48.279 They only do it on primary residents. 2072 01:52:49.880 --> 01:52:52.680 Hey, Miles, how many years apart are your parents? 2073 01:52:54.079 --> 01:52:57.079 Well, my mother is eighty eight, my father's ninety. 2074 01:52:58.640 --> 01:53:00.920 Yeah, so they would both would both be on it, 2075 01:53:01.000 --> 01:53:03.720 and she'd and and there's no difference. She they would 2076 01:53:03.800 --> 01:53:07.119 qualify her base on her age and they'd get the 2077 01:53:07.199 --> 01:53:10.840 max amount available at that age. And then if something 2078 01:53:10.960 --> 01:53:13.319 happens to him, she still continues in the house. 2079 01:53:13.640 --> 01:53:16.359 If something happens to her, he still continues. 2080 01:53:17.840 --> 01:53:19.880 Okay, yeah, because we definitely have to put him into 2081 01:53:20.039 --> 01:53:23.520 uh skilled nursing. So we're just trying to figure out 2082 01:53:23.520 --> 01:53:24.960 the best way to do it and pay for it. 2083 01:53:25.239 --> 01:53:27.000 That's how a lot of people do it. They get 2084 01:53:27.079 --> 01:53:29.680 that line of credit and use that money exactly like that. 2085 01:53:31.479 --> 01:53:33.000 So, Miles, thank you. I got to take a break. 2086 01:53:33.000 --> 01:53:34.840 Three on three seven one three talks seven one three 2087 01:53:34.880 --> 01:53:42.319 eight two five five more coming right up. Go with 2088 01:53:42.439 --> 01:53:45.840 a sure thing Denver's Best roofer Excel Roofing dot com. 2089 01:53:46.039 --> 01:53:51.760 You don't pay a cent until you're content. Time for 2090 01:53:51.800 --> 01:53:54.960 an insurance check up free, no obligation. In comparison, call 2091 01:53:55.079 --> 01:53:58.359 Compass insurance paying too much your coverage at dozens of 2092 01:53:58.439 --> 01:54:01.359 insurance companies find out now three oh three seven seven 2093 01:54:01.479 --> 01:54:04.199 one help. You'll think you're his only customer when you 2094 01:54:04.319 --> 01:54:06.720 choose Frank Durand the real estate Man dot com to 2095 01:54:06.840 --> 01:54:10.039 list your home with Remax Alliance three oh three nine 2096 01:54:10.079 --> 01:54:17.840 two zero sixteen twenty two. Hi Tom Martino your three 2097 01:54:17.920 --> 01:54:21.239 O three seven one three talk seven one three eight 2098 01:54:21.319 --> 01:54:22.359 two five five. 2099 01:54:23.640 --> 01:54:24.720 I want to uh. 2100 01:54:26.159 --> 01:54:29.680 Get this special out. Nick Gravine has been with. 2101 01:54:29.800 --> 01:54:32.000 Us hold on top one second I've had when three 2102 01:54:32.079 --> 01:54:34.600 people asked for John's info. We never gave out his 2103 01:54:34.760 --> 01:54:42.199 number or his website Partner in Lending dot com, Partner. 2104 01:54:42.439 --> 01:54:48.439 In Lending dot com CMG Financial, and the number is 2105 01:54:48.560 --> 01:54:53.560 three oh three five seven seven seven two zero six. 2106 01:54:54.560 --> 01:54:57.079 So Nick Gravine is with us. Nick the Home show special? 2107 01:54:57.159 --> 01:54:57.800 What are you giving? 2108 01:54:58.439 --> 01:54:58.960 You know right now? 2109 01:54:59.039 --> 01:55:01.119 Since the Home specials going on, We're gonna give off 2110 01:55:01.159 --> 01:55:02.960 two hundred and fifty dollars off any like vinyl or 2111 01:55:03.000 --> 01:55:05.760 composite windows and three fifty off any like wood clad 2112 01:55:05.840 --> 01:55:07.399 type windows right now until Friday. 2113 01:55:08.239 --> 01:55:08.479 Nice. 2114 01:55:09.039 --> 01:55:11.920 Are you talking about two fifty off each window? 2115 01:55:12.159 --> 01:55:13.439 Yep, every window? 2116 01:55:15.279 --> 01:55:18.720 And then wood clad or would when you say woodclad 2117 01:55:18.800 --> 01:55:21.800 you mean wood that are clad on top of the wood. 2118 01:55:21.640 --> 01:55:25.079 Right Usually, yes, we do do wood on wood though, 2119 01:55:25.359 --> 01:55:28.079 so you know wood windows, woodclad. 2120 01:55:29.640 --> 01:55:32.720 Three point fifty off each window till the end of 2121 01:55:32.800 --> 01:55:37.399 the week. Correct, and that is three oh three. The 2122 01:55:37.520 --> 01:55:40.359 number is three oh three Gravina g r A v 2123 01:55:40.520 --> 01:55:42.920 I N A. I love that goo three oh three 2124 01:55:43.439 --> 01:55:48.680 Gravina the website gravinas dot com. Philip has one more 2125 01:55:48.800 --> 01:55:51.800 question on that reverse long, go ahead, Philip. 2126 01:55:53.439 --> 01:55:57.159 Let's let's say I get the house. If the house 2127 01:55:57.279 --> 01:56:02.039 is damaged, are destroyed, but it's fully covered, than what. 2128 01:56:04.079 --> 01:56:07.600 First of all, it would be totally covered because they 2129 01:56:07.640 --> 01:56:09.840 would make sure you have enough insurance. Yeah, you'd have 2130 01:56:10.000 --> 01:56:13.479 to have that covered. That's part of the requirement. But 2131 01:56:14.159 --> 01:56:18.760 let's just go to the obvious. Let's just say you 2132 01:56:19.199 --> 01:56:23.680 have some kind of deficiency, whether it be an insurance 2133 01:56:24.279 --> 01:56:27.680 or loan or any reason. For any reason, you're never 2134 01:56:27.840 --> 01:56:29.279 held personally responsible. 2135 01:56:29.399 --> 01:56:33.199 Ever, I don't know what you mean. 2136 01:56:34.920 --> 01:56:37.560 Well, here's what I mean. Let's say the house goes 2137 01:56:37.600 --> 01:56:39.960 down in value and you can't sell it for what 2138 01:56:40.079 --> 01:56:42.119 the balance of the loan is, or you need to 2139 01:56:42.159 --> 01:56:44.680 go into a nursing home, and your family gets the 2140 01:56:44.760 --> 01:56:48.720 house and the loan has a crued to three hundred thousand, 2141 01:56:49.079 --> 01:56:52.319 and the house is worth one hundred thousand. No one 2142 01:56:52.520 --> 01:56:55.760 can go after you for the deficiency, nor can they 2143 01:56:55.840 --> 01:56:59.680 go after your estate. Now, let's say your house burned 2144 01:56:59.760 --> 01:57:04.159 down and for some strange reason the insurance company went 2145 01:57:04.199 --> 01:57:07.640 out of business or you didn't have enough insurance, which 2146 01:57:07.920 --> 01:57:11.399 likely will not happen, but let's say it does and 2147 01:57:11.600 --> 01:57:14.920 you can't rebuild the house, or you can only rebuild 2148 01:57:15.000 --> 01:57:17.479 half of it, or you can't rebuild. 2149 01:57:17.199 --> 01:57:17.640 Any of it. 2150 01:57:18.239 --> 01:57:21.880 No one can come after you for a dime. You 2151 01:57:22.079 --> 01:57:23.520 are free and clear. 2152 01:57:26.239 --> 01:57:32.920 Okay, So, yeah, money, I would getting money from insurance 2153 01:57:33.000 --> 01:57:35.000 then for the destruction. 2154 01:57:34.640 --> 01:57:35.119 Of the house. 2155 01:57:35.720 --> 01:57:40.640 Now, if your scenario, which will not happen, happened, then 2156 01:57:40.880 --> 01:57:42.880 you would be even You're right, you would not be 2157 01:57:42.960 --> 01:57:46.800 able to get your original down payment back. But with 2158 01:57:46.960 --> 01:57:51.840 a reverse loan, one of the requirements is homeowner's insurance 2159 01:57:52.239 --> 01:58:00.479 to replacement value. Okay, so you would never end up 2160 01:58:01.159 --> 01:58:08.520 with a house you could not rebuild theoretically, So anyway, 2161 01:58:08.840 --> 01:58:11.159 that's it. Philip three all three seven one three talk 2162 01:58:11.239 --> 01:58:13.800 seven one three eight two five five David, what's going 2163 01:58:13.840 --> 01:58:15.439 on in your life? I'm sorry you had the way 2164 01:58:15.479 --> 01:58:16.760 you have an hoa question. 2165 01:58:16.640 --> 01:58:20.479 David, Yeah, thanks for taking the call. Hey, my mother 2166 01:58:20.520 --> 01:58:23.520 in law, David has owned the house for twenty five 2167 01:58:23.640 --> 01:58:28.239 years and she's trying to sell it now. Well in 2168 01:58:28.439 --> 01:58:32.199 doing so, she has a buyer that's under contract, and 2169 01:58:32.680 --> 01:58:37.239 his realtor did a title search and apparently at some 2170 01:58:37.479 --> 01:58:42.319 point in time there was a declaration of covenants and 2171 01:58:42.399 --> 01:58:45.920 restrictions that was here on this property, and I think 2172 01:58:46.000 --> 01:58:49.560 it was prior to this house being built, which was 2173 01:58:49.600 --> 01:58:51.399 built in two thousand. It was the first one in 2174 01:58:51.439 --> 01:58:55.359 the subdivision. But there has never been an HOA here 2175 01:58:55.880 --> 01:58:59.439 or any dues or anything like that, no meetings, no, nothing. 2176 01:59:00.399 --> 01:59:01.039 So now the. 2177 01:59:02.119 --> 01:59:05.920 Prospective buyer is worried that there's an HOA somewhere that's 2178 01:59:05.960 --> 01:59:09.520 going to pop up and start charging fees or something. 2179 01:59:10.399 --> 01:59:11.920 How would you recond dealing with it? 2180 01:59:13.479 --> 01:59:18.000 Did the title company uncover these covenants? 2181 01:59:19.439 --> 01:59:19.640 Yes? 2182 01:59:21.760 --> 01:59:23.159 And are they recorded? 2183 01:59:25.000 --> 01:59:26.039 Apparently so yes? 2184 01:59:28.039 --> 01:59:30.960 Okay, covenance indeed restrictions right. 2185 01:59:32.720 --> 01:59:39.359 Yeah, it's uh covenants and restriction declaration of covenants and restrictions. 2186 01:59:39.760 --> 01:59:43.479 Right, not unheard of on now and and now someone 2187 01:59:43.600 --> 01:59:46.800 is saying, well, wait a minute, if there are covenants 2188 01:59:46.960 --> 01:59:52.479 and restrictions, there's probably an HOA somewhere that I don't 2189 01:59:52.520 --> 01:59:58.119 want to be part of correct. Okay, is there an 2190 01:59:58.279 --> 02:00:02.560 HOA anywhere that the type company? Is there an HOA 2191 02:00:02.720 --> 02:00:04.880 anywhere that the title company can find? 2192 02:00:06.279 --> 02:00:06.319 No? 2193 02:00:08.640 --> 02:00:12.560 Okay? So what they're going to have to do is 2194 02:00:13.000 --> 02:00:13.840 just take a chance. 2195 02:00:14.359 --> 02:00:18.079 I've had properties I've purchased where there was a dormant HOA. 2196 02:00:18.960 --> 02:00:23.000 Now I will say, if there are recorded by laws anywhere, 2197 02:00:23.039 --> 02:00:25.439 you should go to the county and see if there 2198 02:00:25.479 --> 02:00:29.399 are HOA bylaws or anything recorded anywhere at the state 2199 02:00:29.560 --> 02:00:34.560 or anywhere. Those by laws could be picked up by 2200 02:00:34.880 --> 02:00:38.880 a number of people who live there, and they could 2201 02:00:39.079 --> 02:00:44.039 theoretically resurrect an hoa, but that would be almost as 2202 02:00:44.159 --> 02:00:48.640 difficult as starting a HOA. So this person is looking 2203 02:00:48.880 --> 02:00:54.399 for trouble. In other words, you can tell the buyer, hey, listen, 2204 02:00:55.560 --> 02:01:00.960 the chances of an old HOA being resurrect did is 2205 02:01:01.039 --> 02:01:02.680 about the same as a bunch. 2206 02:01:02.479 --> 02:01:03.840 Of homeowners getting together. 2207 02:01:04.199 --> 02:01:07.119 In fact, it would be easier for a bunch of 2208 02:01:07.239 --> 02:01:09.920 homeowners to get together and form a new one. 2209 02:01:10.920 --> 02:01:14.279 So how many homeowners are in the subdivision? 2210 02:01:16.760 --> 02:01:22.119 Oh, probably seventy five ish, And are all. 2211 02:01:22.000 --> 02:01:28.680 The homes built? Yes, okay, So then the. 2212 02:01:31.720 --> 02:01:34.560 Two of the houses next door do not even show 2213 02:01:34.640 --> 02:01:36.920 this on their beat it all. 2214 02:01:38.439 --> 02:01:43.840 Okay, that's just because this person their title company did 2215 02:01:43.880 --> 02:01:47.680 a more thorough search. But what I'm getting at is this, David, 2216 02:01:49.079 --> 02:01:53.439 you have you said about seventy five owners roughly? 2217 02:01:53.520 --> 02:01:56.560 Yes, okay, Now. 2218 02:01:57.960 --> 02:02:02.600 Those owners are there, No one's going to build a house, 2219 02:02:03.640 --> 02:02:07.640 so covenants. I guess what would happen if a neighbor 2220 02:02:08.039 --> 02:02:11.960 wanted to paint their house purple or you know, shartruse. 2221 02:02:12.600 --> 02:02:15.520 Is there anyone that would come forward in protest? Do 2222 02:02:15.640 --> 02:02:17.039 they ever have any meetings? 2223 02:02:18.600 --> 02:02:18.640 No? 2224 02:02:20.399 --> 02:02:24.119 Okay, there's never no meeting here whatsoever in this get 2225 02:02:24.199 --> 02:02:24.800 five years. 2226 02:02:24.640 --> 02:02:28.199 She's been there. Now do they have common area? 2227 02:02:30.600 --> 02:02:34.600 There is a small park that is maintained by the city. 2228 02:02:36.319 --> 02:02:40.520 Well, then it's not common area. So what I'm saying 2229 02:02:40.680 --> 02:02:42.680 is they've never collected a do ever? 2230 02:02:44.159 --> 02:02:44.399 Nope? 2231 02:02:44.880 --> 02:02:45.079 Never? 2232 02:02:45.840 --> 02:02:48.880 Okay, you just have to disclose that to the buyer 2233 02:02:49.319 --> 02:02:51.199 and if they don't want to take the chance, don't 2234 02:02:51.239 --> 02:02:51.960 take the chance. 2235 02:02:52.199 --> 02:02:56.439 That's it. It's that easy. I mean, like I said, if. 2236 02:02:56.359 --> 02:02:59.680 There's no homeowners anywhere, I would look at the state 2237 02:02:59.800 --> 02:03:01.960 lefts to see if there's a corporation in the name 2238 02:03:02.000 --> 02:03:05.680 of the subdivision or whatever, and if there's not, ask 2239 02:03:05.800 --> 02:03:08.640 the title company to search. Well, why would you can 2240 02:03:08.720 --> 02:03:09.520 tell the seller? 2241 02:03:10.039 --> 02:03:13.199 It's common sense, it's common sense. 2242 02:03:13.479 --> 02:03:15.279 Why couldn't he get it off there? 2243 02:03:15.399 --> 02:03:15.600 Though? 2244 02:03:16.199 --> 02:03:18.439 If there is nothing out there and no one can 2245 02:03:18.560 --> 02:03:22.159 actually show that there's ever been in HOA, there's no 2246 02:03:22.359 --> 02:03:27.560 documents for the HOA, there's no organization period, why couldn't 2247 02:03:27.560 --> 02:03:28.560 they just drop that? 2248 02:03:31.359 --> 02:03:36.199 Because they're separate and apart from the HOA. Covetence and 2249 02:03:36.359 --> 02:03:39.119 deed restrictions are separate documents, That's what I'm saying. 2250 02:03:39.159 --> 02:03:41.279 But you're saying there's no there's no way to get 2251 02:03:41.399 --> 02:03:43.199 rid of that deed restriction. 2252 02:03:45.279 --> 02:03:49.319 No, okay, not not really No, I guess wait a minute, 2253 02:03:49.720 --> 02:03:53.000 I don't think so, because, first of all, it has 2254 02:03:53.119 --> 02:03:56.960 no effect on the deed none. The house is already built. 2255 02:03:58.159 --> 02:04:01.039 I mean, first of all, David, if the title company 2256 02:04:01.159 --> 02:04:04.880 uncovered covetence and deed restrictions, what are they? 2257 02:04:06.000 --> 02:04:06.520 What are they? 2258 02:04:08.039 --> 02:04:08.199 Oh? 2259 02:04:08.319 --> 02:04:11.720 It's several pages of stuff here, And I'm wondering if 2260 02:04:11.760 --> 02:04:14.880 it was put together prior to the subdivision being built 2261 02:04:15.000 --> 02:04:21.640 as guidelines to the builder. Well, it was about fees 2262 02:04:21.760 --> 02:04:27.199 and restrictions, and it talks about association and all of 2263 02:04:27.279 --> 02:04:30.520 this stuff. But there was never ever a homeowner's association 2264 02:04:30.640 --> 02:04:31.720 that was actually ever developed. 2265 02:04:31.760 --> 02:04:35.880 Look, it's it's an orph we call them orphan documents. Okay, 2266 02:04:36.640 --> 02:04:39.079 I don't know if you can have them removed. Maybe 2267 02:04:39.159 --> 02:04:43.920 it can. But this happens all the time that homeowners' 2268 02:04:43.920 --> 02:04:48.439 associations are started, let's say, by the developer and restrictions, 2269 02:04:48.880 --> 02:04:53.159 and the homeowners never pick it up ever. And that's 2270 02:04:53.239 --> 02:04:56.399 all there is to it. I mean, as I said, 2271 02:04:57.119 --> 02:05:00.760 any group of homeowners can get together and do anything 2272 02:05:00.840 --> 02:05:04.960 they want. So the seller or the buyer asking, wait 2273 02:05:05.000 --> 02:05:08.840 a minute, what's to prevent this HOA from now all 2274 02:05:08.880 --> 02:05:13.000 of a sudden taken over? The answer is nothing. The 2275 02:05:13.159 --> 02:05:17.720 same answer would be this, what would prevent seventy owners 2276 02:05:17.840 --> 02:05:21.760 or sixty five owners getting together and forming an HOA? 2277 02:05:22.359 --> 02:05:24.279 The answer is nothing. 2278 02:05:24.960 --> 02:05:28.239 I In other words, but in that second case, you 2279 02:05:28.279 --> 02:05:30.479 wouldn't have to be a part of it if you 2280 02:05:30.640 --> 02:05:34.199 live there currently, right, Yes you would, if you had 2281 02:05:34.319 --> 02:05:38.680 seventy five percent or more, you would, there are certain 2282 02:05:39.279 --> 02:05:40.439 It depends. 2283 02:05:40.119 --> 02:05:40.600 On the laws. 2284 02:05:40.640 --> 02:05:43.359 Actually I shouldn't say that, because you're right, Mark, they 2285 02:05:43.439 --> 02:05:46.399 can't just haphazardly rope you into it. 2286 02:05:46.600 --> 02:05:49.600 Yeah, but if you but but yeah, it depends would 2287 02:05:49.640 --> 02:05:51.520 think you could go to a judge and get that 2288 02:05:51.720 --> 02:05:52.279 trapped off. 2289 02:05:52.319 --> 02:05:53.039 I mean, I have no. 2290 02:05:53.159 --> 02:05:56.600 Idea, but it would be a fast to call it 2291 02:05:56.800 --> 02:06:00.800 quiet title action. What Well Marc is talking about is 2292 02:06:00.920 --> 02:06:05.600 a quiet title action. What it means is there's no 2293 02:06:05.720 --> 02:06:09.439 one to sue and there's no other person involved. It's 2294 02:06:09.479 --> 02:06:13.760 a quiet title action that you ask the courts to 2295 02:06:13.920 --> 02:06:19.479 remove it because it means nothing. You could inquire about that. 2296 02:06:19.840 --> 02:06:23.920 Let's say we could if we have enough time to 2297 02:06:24.000 --> 02:06:26.159 get Brad O'Brien, maybe he can come on the last 2298 02:06:26.199 --> 02:06:28.560 few minutes of the show. Of course, we have even 2299 02:06:28.600 --> 02:06:31.319 more than that, so have him come on and we'll 2300 02:06:31.359 --> 02:06:35.800 figure it out. Three oh three seven one three talk 2301 02:06:41.199 --> 02:06:44.439 Go with a sure thing Denver's Best roofer Excel Roofing 2302 02:06:44.560 --> 02:06:47.199 dot com. You don't pay a cent until you're content. 2303 02:06:50.600 --> 02:06:53.720 Time for an insurance check up free, no obligation. In comparison, 2304 02:06:53.880 --> 02:06:57.439 call Compass insurance paying too much your coverage at dozens 2305 02:06:57.479 --> 02:07:00.279 of insurance companies find out now three oh three Having 2306 02:07:00.319 --> 02:07:03.079 seven to one help, you'll think you're his only customer. 2307 02:07:03.159 --> 02:07:05.319 When you choose Frank durand the Real estate Man dot 2308 02:07:05.439 --> 02:07:08.720 com to list your home with Remax Alliance three oh 2309 02:07:08.800 --> 02:07:10.720 three nine two zero sixteen twenty two. 2310 02:07:15.680 --> 02:07:16.479 I'm Tom Marshin. 2311 02:07:16.560 --> 02:07:18.680 I your troubleshooter three all three seven to one three talk. 2312 02:07:18.720 --> 02:07:20.319 I want to go to Brad O'Brien real quick and 2313 02:07:20.680 --> 02:07:23.560 Brad O'Brien is a real estate attorney real estate firm 2314 02:07:23.960 --> 02:07:28.359 O'Brien Legal Services olslaw dot com. Hey, Brad, I just 2315 02:07:28.439 --> 02:07:30.479 want to lay this out pretty simply. So, in a 2316 02:07:30.560 --> 02:07:35.000 title search in a subdivision of about seventy five homes 2317 02:07:36.119 --> 02:07:40.399 twenty five years or older subdivision, they're getting ready to 2318 02:07:40.479 --> 02:07:45.199 sell their house and on a title search, the sellers 2319 02:07:45.279 --> 02:07:50.159 discover that there are covenants and deed restrictions and a 2320 02:07:50.199 --> 02:07:52.319 whole bunch of stuff, you know, like the covenants for 2321 02:07:52.359 --> 02:07:55.840 the whole subdivision. Yet they have never been in force. 2322 02:07:56.079 --> 02:08:01.000 There's never been an hoa, never been a doing. So 2323 02:08:02.079 --> 02:08:06.680 the buyer says, wait a minute, what's going to prevent 2324 02:08:07.000 --> 02:08:13.039 an hoa from being resurrected? Since there's covenants in deed restrictions, 2325 02:08:13.600 --> 02:08:16.680 there must have been an hoa sometime. What's going to 2326 02:08:16.760 --> 02:08:22.439 prevent them from being reignited or resurrected and start collecting dues. 2327 02:08:23.359 --> 02:08:26.319 My answer would be that's the same as you ask, well, 2328 02:08:26.359 --> 02:08:30.239 what would prevent seventy five owners from getting together and 2329 02:08:30.319 --> 02:08:30.880 deciding to. 2330 02:08:30.920 --> 02:08:31.840 Form a new HOA. 2331 02:08:31.960 --> 02:08:34.560 I mean, I guess there's no sure things in life. 2332 02:08:34.920 --> 02:08:40.039 But what would your answer be to the buyer concerned 2333 02:08:40.079 --> 02:08:42.880 about a resurrected HOA. 2334 02:08:44.600 --> 02:08:47.600 Well, it is possible that the HA could be resurrected, 2335 02:08:47.920 --> 02:08:51.520 even though it's dormant right now. The covenants that were 2336 02:08:51.560 --> 02:08:55.920 recorded over twenty five years ago, those are tasked to 2337 02:08:56.000 --> 02:08:58.760 the title of each house in that community, and they 2338 02:08:58.840 --> 02:09:02.239 passed from seller buyer each time it sells, so they're 2339 02:09:02.239 --> 02:09:05.439 still there until until they potentially expire. 2340 02:09:07.279 --> 02:09:11.119 Yeah, but the covenance indeed restrictions in and of themselves 2341 02:09:11.640 --> 02:09:14.800 do not form an h o A. They just nor 2342 02:09:15.000 --> 02:09:18.479 do they ask for dues or anything else. So we 2343 02:09:18.600 --> 02:09:22.359 have two separate things, an h o A with their 2344 02:09:22.399 --> 02:09:26.840 bylaws and covenance and deed restrictions, which are usually adopted 2345 02:09:26.920 --> 02:09:29.079 by an h o A. What I'd like to know 2346 02:09:29.279 --> 02:09:31.880 is this, in order to resurrect an h o A, 2347 02:09:33.439 --> 02:09:34.640 wouldn't they have to find it? 2348 02:09:37.479 --> 02:09:43.600 Well the recorded covenants, Uh, those exist already. And if 2349 02:09:44.399 --> 02:09:47.880 if there's nothing, there are no bylaws right now that 2350 02:09:48.079 --> 02:09:53.680 that exist. The common the Colorado Common Interest Ownership Act 2351 02:09:54.119 --> 02:09:59.119 called KIOWA, governs in lieu of actual documents that provide 2352 02:09:59.119 --> 02:10:01.640 for how to manage a unity. So the homeowners right 2353 02:10:01.640 --> 02:10:05.399 now can look to KIOWA for what would apply. Uh, 2354 02:10:06.079 --> 02:10:08.680 you know what what applies now? Because there isn't anything 2355 02:10:08.680 --> 02:10:11.600 in writing about a nature wig operating. 2356 02:10:11.239 --> 02:10:11.720 At this point. 2357 02:10:11.880 --> 02:10:15.319 Hey, Brad, Brad, So my my assertion or my my 2358 02:10:16.760 --> 02:10:19.640 my theory that it's would be the same as them 2359 02:10:19.680 --> 02:10:22.000 saying let's form an ho A. Yeah, but you can't 2360 02:10:22.039 --> 02:10:24.279 form a new one and force people into it, can you? 2361 02:10:24.800 --> 02:10:28.279 Mark? Mark? Just hold on, he just talked about KIOWA. 2362 02:10:28.800 --> 02:10:32.439 Now, Brad, if they could not find the old corporation 2363 02:10:32.880 --> 02:10:36.239 or the old bylaws and they wanted to form one, 2364 02:10:36.720 --> 02:10:39.680 what Mark says is, how would that affect this guy 2365 02:10:40.199 --> 02:10:43.039 that they bought the house? What if they all want 2366 02:10:43.119 --> 02:10:44.920 to form them but there's some that don't. 2367 02:10:47.159 --> 02:10:55.119 Uh, Well, KIOWA provides for how to get an association going. 2368 02:10:55.680 --> 02:10:57.760 All of the all of the properties in this community 2369 02:10:57.840 --> 02:11:03.000 are are potentially subject to in HA forming because they 2370 02:11:03.439 --> 02:11:08.760 eviinitely share they have some common company owned land that's owned. 2371 02:11:10.600 --> 02:11:13.039 Well, well, Brad, hold on, I just want to say 2372 02:11:13.079 --> 02:11:14.760 what he said. The caller, and I'm going to pull 2373 02:11:14.800 --> 02:11:17.600 him back up if I'm wrong. But on some he said, 2374 02:11:17.720 --> 02:11:20.880 some of the other properties, like his neighbors, they do 2375 02:11:21.119 --> 02:11:22.720 not have deed restrictions. 2376 02:11:24.359 --> 02:11:26.920 He did not say Mark, He did not say they 2377 02:11:26.960 --> 02:11:30.920 don't have deed restrictions. He said that their title search 2378 02:11:31.279 --> 02:11:35.600 did not show the same deed restrictions or covenants. That 2379 02:11:35.880 --> 02:11:38.840 could be merely a negligent search. 2380 02:11:42.920 --> 02:11:47.640 Well, kaiwa applies when you've got properties, separate properties that 2381 02:11:47.760 --> 02:11:50.960 have some common land owned between them, for example a 2382 02:11:51.079 --> 02:11:52.399 road or an entrance way. 2383 02:11:53.720 --> 02:11:55.800 Yeah, but what he's saying, David's saying there is no 2384 02:11:55.960 --> 02:11:57.920 common property none, zero. 2385 02:11:59.520 --> 02:11:59.560 No. 2386 02:11:59.800 --> 02:12:03.319 The city, the town of birth that maintains the streets 2387 02:12:03.560 --> 02:12:08.840 and the little park is maintained by the city, and. 2388 02:12:08.920 --> 02:12:12.039 There are no bridal paths, there are no easements or 2389 02:12:12.079 --> 02:12:13.840 anything that is owned by. 2390 02:12:14.399 --> 02:12:16.359 Okay, okay No. 2391 02:12:17.359 --> 02:12:20.199 Well, perhaps this is a clean up operation where you've 2392 02:12:20.199 --> 02:12:23.119 got recorded documents from a long time ago to have 2393 02:12:23.199 --> 02:12:25.159 some covenants that have something to talk about. 2394 02:12:25.000 --> 02:12:25.600 In the association. 2395 02:12:26.920 --> 02:12:30.520 Perhaps these rists could get together to sign something that 2396 02:12:30.680 --> 02:12:32.359 officially makes them go away permanently. 2397 02:12:34.159 --> 02:12:36.800 Could they do a quiet title action and get it 2398 02:12:36.880 --> 02:12:37.520 off of the deed. 2399 02:12:39.439 --> 02:12:41.479 Yeah, that would that would be one route if they 2400 02:12:41.520 --> 02:12:46.600 can't get unanimity, that may be required to terminate the 2401 02:12:46.680 --> 02:12:47.199 covenants that. 2402 02:12:47.199 --> 02:12:47.800 Are of record. 2403 02:12:50.439 --> 02:12:54.079 So, David, what did you say, did they have it 2404 02:12:54.199 --> 02:12:55.720 or not have it? Or you have no idea. 2405 02:12:57.920 --> 02:13:00.520 The neighbor we talked to last night says, know they 2406 02:13:00.600 --> 02:13:05.399 have never ever seen this document when their dad bought 2407 02:13:05.439 --> 02:13:06.560 that house next door. 2408 02:13:07.560 --> 02:13:10.520 David, Okay, how many times can I say this? 2409 02:13:10.960 --> 02:13:17.079 That doesn't mean it doesn't exist. It is a matter. 2410 02:13:17.319 --> 02:13:21.520 I have seen three title searches from three title companies 2411 02:13:21.680 --> 02:13:25.239 that are different. Brad. Would you explain that please, that 2412 02:13:25.399 --> 02:13:28.479 it's possible even if the neighbor said, well, one, my 2413 02:13:28.760 --> 02:13:32.159 dad bought this property, we never saw that. What would 2414 02:13:32.199 --> 02:13:34.079 that mean to you? Brad? Yeah? 2415 02:13:34.159 --> 02:13:36.199 Most buyers in Colorad don't do not look at the 2416 02:13:36.279 --> 02:13:38.000 title when they when they buy it. It just sort 2417 02:13:38.039 --> 02:13:40.239 of gloss over it. They figure that if the someone 2418 02:13:40.279 --> 02:13:42.640 must have good title, so there's nothing really to look 2419 02:13:42.640 --> 02:13:44.640 at it. Now, I as an attorney, when I'm retained 2420 02:13:45.079 --> 02:13:47.800 by a buyer to help with a purchase, I look 2421 02:13:47.840 --> 02:13:51.239 at title and see what's out there. So you know, 2422 02:13:51.479 --> 02:13:53.560 if I represent a buyer, I would know that I 2423 02:13:53.560 --> 02:13:54.239 would find that. 2424 02:13:54.279 --> 02:13:56.680 There are no no, And I get where Mark's going. 2425 02:13:57.000 --> 02:13:59.399 He's thinking, because a title search may have been done 2426 02:13:59.439 --> 02:14:01.479 on an age twenty five years ago or ten years 2427 02:14:01.520 --> 02:14:04.119 ago or five years ago, that it's that it's set 2428 02:14:04.199 --> 02:14:05.319 in stone, and it's not. 2429 02:14:05.920 --> 02:14:08.600 There are things missed all the time. Moretly, what I 2430 02:14:08.760 --> 02:14:10.920 was thinking is, I don't know when this guy's house 2431 02:14:11.079 --> 02:14:13.319 was built. Let's say some of the homes there were 2432 02:14:13.399 --> 02:14:17.319 built by one builder thirty five years ago and they 2433 02:14:17.439 --> 02:14:21.199 had every intention of having an hoa. Then it got orphaned, 2434 02:14:21.279 --> 02:14:24.720 no one ever did anything, and then independent builders came 2435 02:14:24.800 --> 02:14:28.039 in and actually built lots and stuff that would never 2436 02:14:28.239 --> 02:14:30.600 have that hoa in those documents attacked. 2437 02:14:30.640 --> 02:14:33.920 Yes it would, Yes, it would mark what you don't understand, 2438 02:14:34.119 --> 02:14:37.680 deed restrictions are filed on the plat and they would 2439 02:14:37.760 --> 02:14:40.159 be part of that lot, whether they know it or not. 2440 02:14:41.279 --> 02:14:44.640 If it's a if it's a recorded deed restriction, and 2441 02:14:44.760 --> 02:14:48.199 it's a recorded covet in it's done on the subdivision, 2442 02:14:48.520 --> 02:14:51.439 and whether a new builder came in or his uncle 2443 02:14:51.640 --> 02:14:54.239 or neighbor came in, it would still be part of 2444 02:14:54.359 --> 02:14:58.039 that land. You don't just willy nilly decide it's not 2445 02:14:58.279 --> 02:15:01.079 part of it. Brad was trying to say that it 2446 02:15:01.239 --> 02:15:05.159 becomes part of it. It is recorded against it. The 2447 02:15:05.319 --> 02:15:08.439 fact that they don't find it in a search doesn't 2448 02:15:08.560 --> 02:15:09.880 make it nonexistent. 2449 02:15:12.199 --> 02:15:14.279 Yeah, that's what title insurance is for. So if if 2450 02:15:14.359 --> 02:15:16.680 the title company missed finding a covenant, it was recorded 2451 02:15:16.680 --> 02:15:20.000 a long time ago, and then somebody tries to use 2452 02:15:20.039 --> 02:15:24.279 that covenant against against the help the purchaser, that purchaser 2453 02:15:24.359 --> 02:15:26.119 could go to their title insurance and make a claim. 2454 02:15:27.720 --> 02:15:28.079 That's right. 2455 02:15:28.199 --> 02:15:30.920 If the title insurance missed it, that's right. But I, 2456 02:15:31.159 --> 02:15:34.680 for one, I don't believe what David's neighbor heard from 2457 02:15:34.760 --> 02:15:38.079 the neighbor. I just don't believe it unless you actually 2458 02:15:38.159 --> 02:15:42.640 see the search. But again, the search doesn't determine the existence. 2459 02:15:43.079 --> 02:15:46.720 The search just determines the quality of the search. We 2460 02:15:46.840 --> 02:15:49.520 have more coming up. Go with a sure thing Denver's 2461 02:15:49.560 --> 02:15:52.439 Best Roofer Excel roofing dot com. You don't pay a 2462 02:15:52.560 --> 02:15:59.000 cent until you're content. Time for an insurance checkup free, 2463 02:15:59.119 --> 02:16:02.800 no obligation. Could comparison call Compass insurance paying too much 2464 02:16:02.960 --> 02:16:05.880 your coverage at dozens of insurance companies find out now 2465 02:16:06.000 --> 02:16:08.680 three oh three seven seven one help You'll think you're 2466 02:16:08.760 --> 02:16:11.800 his only customer when you choose Frank durand the Realestateman 2467 02:16:11.880 --> 02:16:15.279 dot com to list your home with Remax Alliance three 2468 02:16:15.359 --> 02:16:17.439 oh three nine two zero sixteen twenty two