Speaker 1: Yeah, ripped up.
Speaker 2: News need so you don't.
Speaker 1: Have come a run anxious success as we can.
Speaker 2: Shooter's gonna help coming man, This is.
Speaker 3: The Troubleshooter Show. No, Tom Martinez, Hey, what's happening? We
Speaker 3: have a lot to talk about today. Welcome to the show.
Speaker 3: Three oh three seven one three Talk. Three oh three
Speaker 3: seven one three eight two five five. As you know,
Speaker 3: this is the only show that talks about what to buy,
Speaker 3: where to buy, when to buy, why to buy, who
Speaker 3: to avoid, who to frequent, what you should do, what
Speaker 3: you shouldn't do, and what to do if you've been
Speaker 3: ripped off? Where do you go for help? And we
Speaker 3: got all kinds of things to talk about and people
Speaker 3: to help, and we have with us today in the
Speaker 3: studio as you'll see Major Mark Major of course. And
Speaker 3: then we have Nick Gravina.
Speaker 1: Nick, how you doing?
Speaker 3: Yeah, that's your dad. Gravina's got the great windows anyway.
Speaker 3: And then I believe that's Deputy Dollar over there, the
Speaker 3: Deputy Dollar.
Speaker 4: Welcome.
Speaker 3: So we're here and we're here and we're helping you.
Speaker 3: So all you have to do is call three O
Speaker 3: three seven one three talk. And then of course here
Speaker 3: I'm here along with Deputy d and we're here to
Speaker 3: help you with all of your problems. So right now
Speaker 3: we will go by the way to any problem, question
Speaker 3: or complaint you call about. But right now we have Nick,
Speaker 3: so we're gonna get right to it. Nick, what would
Speaker 3: you say as far as windows A lot of people
Speaker 3: believe they need. Now this this is a trick question.
Speaker 3: I'm gonna warn you up front. A lot of people
Speaker 3: think they need the highest let's say, efficiency window, but
Speaker 3: they don't necessarily When do they not need the highest
Speaker 3: officienty or do you.
Speaker 4: Think they do?
Speaker 3: Do you think even in an older house that leaks
Speaker 3: like a sieve, great windows will do great things? Or
Speaker 3: do you think it's kind of a waste or overkill.
Speaker 3: I'm trying to get your feel on this.
Speaker 5: You know, I think it really kind of depends on
Speaker 5: how the house is set up. You know, an old
Speaker 5: nineteen hundreds bungalow that doesn't have insulation and cracks everywhere,
Speaker 5: you can put in the highest efficient window and it'll help.
Speaker 5: But excuse me, is it really you know, overpaying at
Speaker 5: that point? Possibly? You know, again, you take a house
Speaker 5: as a bunch of trees around it, you don't get
Speaker 5: tons of sun you know, we can formulate the glass
Speaker 5: packages to kind of help the actual you know, house itself,
Speaker 5: you know, so putting in some crazy triple pain where
Speaker 5: you know, you have some solar gain, you want to
Speaker 5: gain mirror, yeah, all that stuff, you know. So it's
Speaker 5: really how the house is set up, how old it is,
Speaker 5: what the We try to ask people what they're you know,
Speaker 5: what their hot button is like, is it too cold,
Speaker 5: is it too hot, is it too noisy? And we
Speaker 5: try to go from there and then we can kind
Speaker 5: of formulate because I think you can overpay, but some
Speaker 5: people want the best for the future, and that's great too,
Speaker 5: you know. So it's just, you know, it depends on
Speaker 5: the person.
Speaker 3: I think, if you're going to go with those windows,
Speaker 3: you may as well you may as well take the
Speaker 3: efficiency budget, so to speak, and split it. In other words,
Speaker 3: do some of your walls insulating and other things as well,
Speaker 3: not just the windows.
Speaker 4: Now windows, windows, of course, are.
Speaker 3: The biggest loss of energy anyway in any house, just
Speaker 3: because they're glass. You got to see out of them. Now,
Speaker 3: insulated glass units have come a long way over the years.
Speaker 3: An insulated glass unit, by the way, for those listening,
Speaker 3: is simply a unit where you have two pieces of
Speaker 3: glass and in between something else or three pieces of glass,
Speaker 3: and it's basically a really good option an insulated glass unit.
Speaker 3: So if you had to talk about an insulated glass unit,
Speaker 3: what is the highest efficiency you can get if you
Speaker 3: wanted to go with a high Now you have both
Speaker 3: the window frame and then you have the IGU insulated
Speaker 3: glass unit. Now what's the hot First of all, for frames,
Speaker 3: aren't they all about the same for heat transfer except
Speaker 3: for straight aluminum and metal for example, wood, fiberglass, vinyl,
Speaker 3: aren't they all pretty well.
Speaker 4: Good insulators?
Speaker 5: Yeah, the frames are always usually you know, very similar.
Speaker 5: But you know the thing where some of the vinyls
Speaker 5: and the fiberglass over wood. These days, a lot of
Speaker 5: them are coming with foam filled frames, so that helps,
Speaker 5: you know, it's kind of like putting the same stuff
Speaker 5: they put in like coolers in between the frames.
Speaker 4: So wood is always you know.
Speaker 3: Solid wood.
Speaker 5: Where you know, you get a vinyl or five glass,
Speaker 5: they usually have a hollow frame, and a lot of
Speaker 5: them are starting to move to the insulated frames, so
Speaker 5: it's definitely basically, what do you think what do you
Speaker 5: think are the best insulating qualities when when it comes
Speaker 5: to frames, you know, I do, I do think that
Speaker 5: a foam filled frame definitely helps. You know, again, the
Speaker 5: dead air space is good, but having the combination of
Speaker 5: both is definitely you know what I think is the
Speaker 5: top as far as insulating.
Speaker 3: And then on the glass unit doesn't matter if it's
Speaker 3: eighth inch or quartera inch or whatever they whatever the
Speaker 3: glass thickness has come. Does it matter how thick each
Speaker 3: pain is as far as insulating quality.
Speaker 4: It does.
Speaker 5: You know, it's a there's a controversy out there, right.
Speaker 5: So you know, the bigger the air gap, technically, the
Speaker 5: more insulated it can be. So if you go to
Speaker 5: a triple pain, you actually get smaller you know, pockets
Speaker 5: of air. But now you have two pockets of air,
Speaker 5: and then in some windows we can fill that with
Speaker 5: ar gun or krypton gas. So yeah, So if you
Speaker 5: take single strength glass on a one inch and say
Speaker 5: a glass you know on both sides, you get a
Speaker 5: bigger airspace in the middle where you might end up
Speaker 5: being more energy efficient. But the glass is thinner. So
Speaker 5: if you go to a double quarter inch, you're gonna
Speaker 5: have a smaller gap in between them, even though the
Speaker 5: glass is gonna be really stound, maybe helpless sound. You
Speaker 5: probably won't get as efficient at that time.
Speaker 3: Okay, so now when we talk about fifty lines of windows,
Speaker 3: what the hell could be different? We Okay, here are
Speaker 3: the components that I see, the main components, the frame,
Speaker 3: the hardware, and the glass, right, aren't they the three
Speaker 3: main components and warranties usually Okay, obviously, but as far
Speaker 3: as construction, a lot of them are very similar.
Speaker 5: I think a lot of them come down to, you know,
Speaker 5: how are they constructed? You know, options, options are huge now.
Speaker 5: Right in the in the nineties, you know, there was
Speaker 5: white and beige vinyl windows and a lowy glass, right
Speaker 5: that was kind of the normal back then. And now
Speaker 5: you're talking tons of colors outside, tons of colors inside,
Speaker 5: you know, tons of lowe options, you know, double coach,
Speaker 5: triple coats inside, surfaces, sound control. You know, it's it's
Speaker 5: a combination of all that. And some manufacturers stick just
Speaker 5: with still the basics, you know, just one or two
Speaker 5: colors and a couple things. Some go tons of colors,
Speaker 5: tons of glass, double triple, you know, and then and
Speaker 5: then glass brigage, warranties, all sorts of you know, there's
Speaker 5: so many options anymore.
Speaker 3: Okay, By the way, if you have any questions on anything,
Speaker 3: not just glass and the windows and stuff around the house.
Speaker 3: But if you have a problem question, plight you give
Speaker 3: us a call three L three seven one three top
Speaker 3: three oh three seven one three eight two five five.
Speaker 3: So I got some some texts here. You can always
Speaker 3: text me at my private number here and directly to me.
Speaker 4: You don't have to put anything in it.
Speaker 3: I get it on my cell phone on my computer
Speaker 3: twenty four to seven. Here's the number seven four seven
Speaker 3: nine nine nine fifty two eighty seven four seven nine
Speaker 3: nine nine fifty two eighty I have one here at GERMS.
Speaker 3: Yesterday we talked about infections and bacteria. I think it
Speaker 3: was yesterday the day before. Some of the dirty places
Speaker 3: in your office, in your home, on planes, hotel rooms, whatever.
Speaker 3: Someone said that they listen to what they do when
Speaker 3: they travel. They use nicotine tablets. They say that nicotine
Speaker 3: blocks infection and receptors and blah blah blah. Now I
Speaker 3: looked it up. Now you know, obviously I don't know
Speaker 3: what I'm talking about when it comes to nicotine. But
Speaker 3: all I know is when I look up what I
Speaker 3: found universally is that they're there's no clinical trials on
Speaker 3: nicotine at all.
Speaker 4: You're stirring over there. Why are you stirring?
Speaker 6: Oh?
Speaker 7: I was just showing my bottle of nicotine, Lois. I'm
Speaker 7: not a smoker, and I don't want to be a smoker.
Speaker 7: But I've been experimenting with nicotine since the last spring.
Speaker 8: What and you'll be experimenting why forever? Because it's like heroin. No, no,
Speaker 8: it is the hardest thing I ever did in my
Speaker 8: life was give up nicotine.
Speaker 1: Hmmm.
Speaker 7: You know there is somebody of research out there that's
Speaker 7: difficult to find, but you can still find it on
Speaker 7: the internet about the benefits of nicotine. Now, not smoking,
Speaker 7: I want to be really clear about that, Okay, but
Speaker 7: nicotine itself.
Speaker 3: You can find the benefits of eating poopy on the internet.
Speaker 9: Okay, Well, you're atacious or whatever it is ditmacious, but
Speaker 9: I can tell you that it's in my case at least,
Speaker 9: it's been wonderful.
Speaker 3: Wonderful how well, So it does gives you.
Speaker 7: No, not that it doesn't have a stimulant effect on me,
Speaker 7: but it helps me concentrate to the extent I.
Speaker 4: Wasn't able to when there is stimulating. Okay, Yeah, you're
Speaker 4: totally right.
Speaker 10: Yeah.
Speaker 7: Uh, it's also an incredible appetite suppressor. Now, I don't
Speaker 7: irression of appetite, but I do find that I can
Speaker 7: easily go through a day with only one meal if
Speaker 7: I continue to occasionally use a nicotine.
Speaker 3: But if you stop taking them, now, you're you're kind
Speaker 3: of going to be addicted to me.
Speaker 7: No, I experiment with that.
Speaker 4: I mean, so, why would you be the only one?
Speaker 1: So? Well?
Speaker 7: No, there is no evidence out there to suggest that
Speaker 7: nicotine and nonsmokable form is addictive.
Speaker 8: I sucked down those lozengers for how many years, Suzanne?
Speaker 8: A good ten plus ten years. It took me to
Speaker 8: get off what you're on right now, bro.
Speaker 7: Well Mark, over the past year, I've had two entire
Speaker 7: months where I quit nicotine, loes and just cold turkey, okay,
Speaker 7: and I never craved a single one of them.
Speaker 4: Well, look at it.
Speaker 7: I'm not okay, and I'm not saying everybody will have these.
Speaker 3: But do you feel nicotine helps with board off infectionist?
Speaker 7: I've never heard of that.
Speaker 4: Oh well, then why do you do it? Well, you
Speaker 4: were never a smoker.
Speaker 7: He's addicted to even a smoker, but he.
Speaker 3: Would I know, But why did he start Mark? He
Speaker 3: was never a smoker. We got to take a break
Speaker 3: and we'll talk about.
Speaker 4: It any more.
Speaker 3: But but really I'd love to hear people's health hacks,
Speaker 3: not that I can brag about it, but and then
Speaker 3: we have Steve that wants to talk about a parking
Speaker 3: ticket scam eleven thousand that there's got to be somewhere
Speaker 3: on here. Ruthie wants to talk about a moving company issue.
Speaker 3: All of this coming up on the Troubleshooter Show. Go
Speaker 3: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content, time for
Speaker 3: a nure and check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: seven to one help. You'll think you're his only customer
Speaker 3: when you choose Frank durand the real estate Man dot
Speaker 3: com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 3: here this hour b reach you bywaterpros dot net. You're
Speaker 3: talking about the absolute best water systems at the lowest
Speaker 3: price is anywhere, and I put my name on that.
Speaker 3: I've known Paul the waterman for years. I'm going to
Speaker 3: tell you something. A whole house conditioning system, softener, get
Speaker 3: rid of forever chemicals, microplastics, and drinking water at the
Speaker 3: kitchen sink, all for thirty one ninety five. I'm telling you,
Speaker 3: you go to a plumber. You will not get this
Speaker 3: for under fifteen grand. I'm not kidding you. Thirty one
Speaker 3: ninety five water pros dot Nen. Okay, let's go, Steve.
Speaker 3: What's going on? I'm reading this right. There's a ticket
Speaker 3: scam going on. Yeah, what's happening?
Speaker 1: Man?
Speaker 6: Okay, tell me what's going on? Okay. I ducked into
Speaker 6: a parking garage at one fifty eighth Steal, which is
Speaker 6: Cherry Creek, to get out of the hailstorm. I was
Speaker 6: down there for a few hours. I pulled out. They
Speaker 6: took some pictures of my truck. The gate seemed like
Speaker 6: it was broken or something up at the top. I
Speaker 6: just went up the other side and went out. I
Speaker 6: didn't think anything more of it, and that wasn't the problem.
Speaker 6: The problem was is this letters showed up ninety four
Speaker 6: of them over six months. I intended to pay, but
Speaker 6: I just was a little tight last week on Monday.
Speaker 3: Yeah, you understand, you understand. I have to ask questions
Speaker 3: because it does make sense. You got ninety four letters.
Speaker 3: I need you to paint the picture. You pulled into
Speaker 3: the parking garage. The parking garage is a normal parking
Speaker 3: garage with an arm or a gate that goes up, right, yes, sir,
Speaker 3: and then you take you take a ticket?
Speaker 4: Is that right?
Speaker 6: I got the ticket in the mail, and I got the.
Speaker 3: No no, no no no, Steve, Steve, Steve when you parked.
Speaker 3: I really need to take this one step at a
Speaker 3: time because I have to understand it. First, you pulled
Speaker 3: into the parking garage. Normally in a parking garage, the
Speaker 3: arm goes up and you pull a ticket or something,
Speaker 3: or you pull a.
Speaker 4: Ticket to arm.
Speaker 3: Did you get a ticket for parking in that garage?
Speaker 4: When you went in there?
Speaker 6: Where was a guy up at the gate? He could
Speaker 6: he got out of his car. He's having trouble with
Speaker 6: the gate. And I said that for a while and
Speaker 6: he wasn't going through. So I went up the other
Speaker 6: side and came out.
Speaker 4: What's the other, Okay, came out.
Speaker 3: I'm talking about I'm talking about when you went in
Speaker 3: to the garage, not when you came out. When you
Speaker 3: went into the parking garage, how did you enter it?
Speaker 6: I entered in through the gate, and I didn't really
Speaker 6: realize you will never park in these places. I didn't
Speaker 6: see anything about a ticket. I didn't see anything about pay.
Speaker 3: Okay, I get it, I get it. So you went
Speaker 3: into the garage and waited a few hours, and then
Speaker 3: when you were trying to get out, you went out
Speaker 3: the other way because the gate wasn't working. Yes, sir, okay,
Speaker 3: you got some letters in the mail.
Speaker 6: Yes, I started getting letters in the mail every other day.
Speaker 6: They showed up, one from Daniel B. Kelly and the
Speaker 6: other one from Parking Revenue Recovery Services for ninety two dollars.
Speaker 6: And there were okay last week. Last week, when I
Speaker 6: went to call and pay the ticket on the phone,
Speaker 6: the lady said, okay, I'll get your twenty percent off
Speaker 6: on this. I said, on ninety two. Fine. She came
Speaker 6: back and she said, that's nine thousand. I'll take it
Speaker 6: twenty percent off and you're paying just I think it
Speaker 6: was six dollars and I said, okay.
Speaker 4: Now, Steve, Steve, when you first went in there?
Speaker 3: What was the date?
Speaker 6: So that would have been right about August, about six
Speaker 6: months ago.
Speaker 4: Okay, when when?
Speaker 6: When?
Speaker 4: Here's what I want to know.
Speaker 3: Are they I'm not asking if you agree, I'm not
Speaker 3: asking for your opinion, but are they kind of claiming
Speaker 3: that you were parked there continually because there was no
Speaker 3: record of you leaving? So there was a record of
Speaker 3: you coming in, but no record of you leaving because
Speaker 3: you left out of the entrance. Is it possible when
Speaker 3: they were sending you letters that they were saying that
Speaker 3: your car is still parked there and they were charging
Speaker 3: by the day.
Speaker 6: No, they got a picture of me coming in, and
Speaker 6: then they got a picture of me going out, and
Speaker 6: they got okay, okay, got it, then backed out at
Speaker 6: four thirty.
Speaker 3: Then then why are they saying you owe nine? Then
Speaker 3: when did you get your first letter?
Speaker 6: And I'm a first letter just shortly after that, probably
Speaker 6: maybe like a few days or a week.
Speaker 3: And when you got your first letter, how much did
Speaker 3: it say you.
Speaker 6: Owed ninety two dollars due on each of these from
Speaker 6: Daniel Kelly and the parking Revenue Recovery. They both say,
Speaker 6: ninety two dollars due, and then I received letter after
Speaker 6: letter after three a week until it mounted up to
Speaker 6: ninety four. And then I tried to call them up
Speaker 6: on last Monday.
Speaker 3: But when you got your first letter, when you got
Speaker 3: your first letter, did you let them know immediately or
Speaker 3: pay it immediately or what did you do?
Speaker 6: Well? I just dragging my feet. It's been a little
Speaker 6: tight and I just wasn't able to, you know, really
Speaker 6: pull it up. Okay, letters were stacking up, and then
Speaker 6: I got a little ahead here lately, and so I
Speaker 6: wanted to pay this thing off. And when I did that, yeah,
Speaker 6: we shot that nine thousand dollars at me twenty percent off.
Speaker 6: Now the other thing is is since I called on Monday,
Speaker 6: this sent me another fifteen tickets. Some of them have
Speaker 6: three coffees in each letter.
Speaker 4: I'm sorry.
Speaker 6: You can go on to their website and it shows
Speaker 6: that I have I owe ninety two dollars for every
Speaker 6: letter and it's been over.
Speaker 4: It's okay, I get it.
Speaker 3: I get it.
Speaker 7: It's a technical I'm familiar with that company.
Speaker 3: By the way, I'm familiar with parking garages and parking lotses.
Speaker 3: I own some and they're privately managed, meaning I hire
Speaker 3: a company to do this. And what they do is
Speaker 3: they they have rules and rags, but they're private collections.
Speaker 3: They're not official, they're not municipal, they don't have any
Speaker 3: special teeth. It's usually contract law and and and civil law.
Speaker 3: So they're claiming you all of this. But I want
Speaker 3: d what do you know about them?
Speaker 7: I'm familiar with a with a collection company that's the
Speaker 7: Parking Revenue Recovering Service. Yeah, they've been trying to collect
Speaker 7: on some bogus parking ticket from me since last summer.
Speaker 7: And it was also ninety two dollars. But I've never
Speaker 7: been to that garage nor the one that this caller
Speaker 7: had just mentioned. So I called them and I recorded
Speaker 7: the phone call and I said, hey, I have no
Speaker 7: record of this ticket. I've never been to your garage
Speaker 7: and I'm not going to pay it. And they said, okay,
Speaker 7: thank you and have a great day. And I never
Speaker 7: heard from them since that called. Yeah, but he was
Speaker 7: there and they do have photos she was. However, it
Speaker 7: sounds like there's a technical glitch. There is no logical
Speaker 7: explanation for a nine thousand dollars parking ticket.
Speaker 3: Yeah, what how do they I mean, really that's true.
Speaker 3: How do they justify that?
Speaker 7: Did you ask them why your bill is nine thousand dollars?
Speaker 6: Yes? I did, and she said what does? She seem
Speaker 6: kind of sketchy to me, like she was new on
Speaker 6: the job. But she said, there's ninety four letters here
Speaker 6: and you have to pay ninety three US for every
Speaker 6: letter that served.
Speaker 3: Yeah, but well, of course, how are they planning to
Speaker 3: collect this from you?
Speaker 7: Well, this guy that he got a letter from, he's
Speaker 7: a collestion's attorney. I know, did you say, Daniel Kelly?
Speaker 3: Yeah, how did they plan to collect this? How do
Speaker 3: they plan to collect this?
Speaker 6: I talked to Mike Wing, which you recommend? And Mike
Speaker 6: said that they would.
Speaker 3: I recommend Mike win for bankruptcy. By the way, just
Speaker 3: so everyone knows, I don't recommend it for parking tickets.
Speaker 4: Go ahead.
Speaker 6: Well, he said that I would. They would have to actually,
Speaker 6: so I thought maybe they could garnish my bank account
Speaker 6: or something like that. He said that they would have
Speaker 6: to have to actually sue me in court.
Speaker 8: Right, And he says, they're not going to die that
Speaker 8: And there's not a world that would give a parking
Speaker 8: ticket eleven thousand dollars.
Speaker 6: I wouldn't think for ninety's eleven now, because they sent
Speaker 6: me another fifteen letters. We have three envelopes in each letter,
Speaker 6: which is a ninety two dollars.
Speaker 3: Are you kidding me? This is almost this is crazy.
Speaker 3: We should call this lawyer's office.
Speaker 7: I'd love to talk to this lawyer.
Speaker 3: Hey, I want Deputy D to call on this. Well,
Speaker 3: let's see if we first, maybe he'll come on the air.
Speaker 7: Oh, even better, let's get the let's get this lawyer
Speaker 7: on the air.
Speaker 3: This is great.
Speaker 4: You got to take a break.
Speaker 3: Trill three seven to one three talk three all three
Speaker 3: seven one three eight two five five. Dan McKenzie is
Speaker 3: an estate planning attorney. Now, everyone should have an estate plan,
Speaker 3: a will, maybe a trust or an LLC that owns
Speaker 3: stuff because LLCs can survive your death and you can
Speaker 3: have a partnership agreement with your kids or your friends
Speaker 3: or whoever you have.
Speaker 4: It's creative.
Speaker 3: Dan McKenzie has many creative ideas, and of course he
Speaker 3: can keep you out of probate or if you are
Speaker 3: facing probate. I want you to check him out. He's
Speaker 3: a live and local and he's a great guy. McKenzie
Speaker 3: Law eight three three C plans eight three three C plans.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup free no obligation comparison call
Speaker 3: Compass Insurance Paying too much your coverage at dozens of
Speaker 3: insurance companies find out now three oh three seven seven
Speaker 3: to one help. You'll think you're his only customer when
Speaker 3: you choose Frank durand the real estate Man dot com
Speaker 3: to list your home with Remax Alliance three oh three
Speaker 3: nine two zero sixteen twenty two. Hey, I'm Tom Martino,
Speaker 3: your troubleshooter eight eight eight Heating dot com?
Speaker 4: Remember Deep Clean.
Speaker 3: Forty five bucks eight eight eight Heating dot Com? Three
Speaker 3: O three seven seven Let me give you their number
Speaker 3: here three O three seven seven zero two.
Speaker 4: Seven seven six.
Speaker 3: Hey, what can we say about this except that it's
Speaker 3: not going to be collected. I doubt anyone's going to
Speaker 3: get eleven. Grand Deputy Bow is going to work on it.
Speaker 6: Now.
Speaker 3: Ruthie, what's going on with you? Welcome to the show.
Speaker 3: I'm Tom Martine. What's happening, Ruthie?
Speaker 6: Oh?
Speaker 11: Thanks Tom, appreciate you taking me. Yeah. Well, so kind
Speaker 11: of a long story. Yeah, I had a dining table
Speaker 11: that was custom made by my daughter's dad and myself,
Speaker 11: and it's a big it's a large table, and so
Speaker 11: I had a mover offer to move it or to
Speaker 11: move it and store it for me. So he didn't
Speaker 11: ask for any money, but I paid them one hundred bucks.
Speaker 3: And uh, may, I asked you, why did a mover
Speaker 3: volunteer to move a table with some body at your house?
Speaker 3: And they looked over and said, hey, I'll move that.
Speaker 3: I mean, tell me that. Tell me the story, like,
Speaker 3: were you moving anyway or you needed to get rid
Speaker 3: of the table? Tell me that story.
Speaker 11: So yeah, I actually I had loaned the table or
Speaker 11: given the table to my daughter and her family to
Speaker 11: use because I was in an apartment and I, you know,
Speaker 11: there was no room for it. So okay, yeah, so
Speaker 11: she she was using it for a while and then
Speaker 11: then they were moving. So I don't even know how
Speaker 11: I found this guy, but maybe on nextdoor dot com probably,
Speaker 11: And so he came and.
Speaker 3: But she no longer wanted the table, right right, Yeah, okay,
Speaker 3: she wants me to sell.
Speaker 11: It, so okay, So anyway, they moved it. And this
Speaker 11: was in Denver, mind you.
Speaker 4: So, and what's the name of the mover?
Speaker 11: So it's front you know, I've seen two names, front
Speaker 11: range movers and front Range Moving, probably front range movers.
Speaker 11: And I can give you the owner. The owner's name.
Speaker 4: Is well right now, right now, tell me the story.
Speaker 4: And who is the owner? By the way, who's the owner?
Speaker 11: So the owner is Edgar and his last name is
Speaker 11: A g U I R R.
Speaker 4: Okay, So what happened?
Speaker 11: Yeah, he seemed like a great guy, and we became
Speaker 11: friends and they're friendly whatever, And we talked to each
Speaker 11: other on the phone. And he had my table for
Speaker 11: a while because I was moving a lot in that
Speaker 11: time period.
Speaker 4: So where did he have the table?
Speaker 11: Yeah, I don't even know.
Speaker 12: I have a receipt.
Speaker 3: Why was he Well, well, hold on, what just wait, Ruthie,
Speaker 3: None of this makes sense.
Speaker 4: When you hire somebody to move something, they move it
Speaker 4: from A to B. So why didn't it go from
Speaker 4: A to B?
Speaker 11: Because he moved it to his storage.
Speaker 3: He said he would store it on your request. Was
Speaker 3: that part? Was that part of the contract.
Speaker 11: Well, we didn't have a contract, but verbally he said,
Speaker 11: i'll move, I'll store it until you need it, and
Speaker 11: then I will move it.
Speaker 12: Got it you want to I got it?
Speaker 4: Okay, got it and.
Speaker 11: Didn't ask for any money, but I gave him money anyway.
Speaker 11: But so, and I was moving a lot and couldn't
Speaker 11: take the table, didn't have any place for it.
Speaker 3: How long how long did the table sit in storage?
Speaker 11: Well? This was it in eighteen?
Speaker 3: What?
Speaker 6: What?
Speaker 4: Wait?
Speaker 3: Wait wait wait wait wait wait wait wait this was
Speaker 3: in twenty eighteen. Right, yeah, okay, so in twenty eighteen
Speaker 3: this guy moved it into storage.
Speaker 4: Then what So?
Speaker 11: Like I said, I was moving around a lot and
Speaker 11: we were talking.
Speaker 12: I get it.
Speaker 11: Year was going on, right, and then I moved to
Speaker 11: where I wanted it, you know, And so I started
Speaker 11: calling him.
Speaker 3: And how long after did you move to where you
Speaker 3: wanted it? Six years later? In twenty twenty four?
Speaker 11: No, no, no, this was I started calling him in
Speaker 11: let's see, probably five or five years ago maybe so
Speaker 11: it wasn't.
Speaker 3: Okay, hold on, this story needs to be a little
Speaker 3: more sustake, succinct, Ruthie, hold On, in twenty eighteen, he
Speaker 3: moved it into storage. You were moving around, you couldn't
Speaker 3: use it. I need to know precisely when you called
Speaker 3: him back and said I now want my table. Was
Speaker 3: it in twenty nineteen twenty twenty? When exactly was it?
Speaker 11: It was probably twenty nineteen.
Speaker 4: Okay, Then what happened?
Speaker 11: I mean, I'm not okay. So, first of all, he's
Speaker 11: real hard to get a hold of.
Speaker 3: I understand that. But you called him back in twenty
Speaker 3: twenty and said I want my.
Speaker 11: Table, right, And I talked to somebody who said he
Speaker 11: was his brother, although he sounded just like him, but
Speaker 11: I don't know. But and he said, and what happened?
Speaker 11: He said I could have it back if I paid
Speaker 11: two I think two hours of looking for it or
Speaker 11: something like for one hundred and eighty bucks.
Speaker 3: Ruthie, May I ask something? How much per day were
Speaker 3: you paying in storage or per month?
Speaker 12: I wasn't.
Speaker 11: He never charged me.
Speaker 4: How do you know?
Speaker 11: I never got anything from him? And he never said okay?
Speaker 3: I mean, may I ask something in the interest of time,
Speaker 3: hold on, Ruthie, I want you to fill into details.
Speaker 3: But in the interest of time, I just need to
Speaker 3: know this. And this is a yes or no. Did
Speaker 3: you get your table back?
Speaker 11: No?
Speaker 3: Okay, hold on and we'll come right back. I'm Tom Martino.
Speaker 3: Three oh three seven one three eight two five five.
Speaker 3: This is going to be a doozy eight eight eight
Speaker 3: heating dot com. Remember the best cleaning forty five bucks,
Speaker 3: or you can get high efficiency replacements at the best prices.
Speaker 3: Three oh three seven seven zero two seven seven six
Speaker 3: Go with a sure thing Denver's best rufer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of in Terrance companies find out now three all three
Speaker 3: seven seven to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three all three nine two zero
Speaker 3: sixteen twenty two. Hi Tom Martinez, your troubleshooter three oh
Speaker 3: three seven one three talk three oh three seven one
Speaker 3: three eight two five five. Welcome to the show. Hey,
Speaker 3: I I'm talking to Ruthie. Now, Ruthie, there's just some
Speaker 3: basic information because this is sold. So in twenty eighteen,
Speaker 3: the table went into storage with this guy you called
Speaker 3: him twenty twenty uh two years later and said I
Speaker 3: want my table back. Now it's two thousand and now
Speaker 3: it's twenty twenty five. So tell me kind of briefly
Speaker 3: what happened in between. So in twenty twenty he said,
Speaker 3: I need a few hundred bucks to go look for it.
Speaker 3: What did you do?
Speaker 11: Then there ended up hanging up on me, and I
Speaker 11: have no idea. So they have his brother hung up
Speaker 11: on me before I could even you know, solidify whatever,
Speaker 11: and the two addresses on the internet or bogus, so
Speaker 11: I have no idea where they are. Somebody saw the
Speaker 11: guy Edgar walking around Long Munch and I'm an eerie
Speaker 11: so I'm not that far from him now.
Speaker 4: But why, here's what I think, Ruthie. Here's what I think.
Speaker 3: We're going to try to help you, but I'm going
Speaker 3: to give you a bad news first, but I do
Speaker 3: want to try to help you.
Speaker 11: Thank you.
Speaker 3: No matter what. If this contract was done in twenty eighteen,
Speaker 3: whether you say there was a contract or not, there
Speaker 3: was an arrangement made in twenty eighteen, it's now twenty
Speaker 3: twenty five.
Speaker 4: Here's what I'm saying.
Speaker 3: If they sold that and say you abandon it or
Speaker 3: don't say anything and just sold it, or if they're
Speaker 3: dead fricking wrong and took it, you have no written agreement,
Speaker 3: You have nothing, and the breach of contract has long expired,
Speaker 3: so you really don't have much against them right now.
Speaker 3: In my opinion, that's not a legal opinion. That's a
Speaker 3: practical opinion based on all the consumer problems I've handled. Now,
Speaker 3: I don't know how much this is worth. And of course,
Speaker 3: if it's yours and it was handmade, it's going to
Speaker 3: be priceless. But it's not priceless. Everything has a value.
Speaker 3: It may not be worth going after. I don't know,
Speaker 3: but I want to ask you one thing out of curiosity,
Speaker 3: why did you decide to contact us like now right?
Speaker 4: You know? Recently? What did anything change?
Speaker 1: No?
Speaker 11: But well, the only thing that changed was I had
Speaker 11: a friend call them and leave a message and say
Speaker 11: that she was my attorney and they needed to call me.
Speaker 11: So the next day, miracle of all miracles, they called
Speaker 11: me and we had a conversation. At the same conversation,
Speaker 11: it was somebody who works for him, and he said, okay,
Speaker 11: well we'll deliver it either Thursday or Friday, and that
Speaker 11: was the end of communication. I call them, no answer,
Speaker 11: I texted no answer. You know, so you're kind of
Speaker 11: like my last ditch effort because I have so much
Speaker 11: more important things right in life.
Speaker 4: No, yeah, but I understand, Ruthie. What the hell?
Speaker 6: Oh?
Speaker 4: I think Mark has a plan? Mark, what do you
Speaker 4: want to do?
Speaker 3: Well, let's just call the guy and say how much
Speaker 3: are you willing to pay for them to come deliver
Speaker 3: it to you? Where are we at here?
Speaker 11: You know, I've talked to other movers who say I
Speaker 11: shouldn't have to pay a dime for what?
Speaker 8: Okay, then have them go grab it? I mean her.
Speaker 8: I'm going to tell you something, Ruthie. Ruthie, I don't
Speaker 8: believe one mover.
Speaker 3: That you talk to, because that that company can charge
Speaker 3: you storage as well. So if you don't think that
Speaker 3: they can charge you moving in storage, you're wrong. Okay,
Speaker 3: go with a sure thing Denver's Best roofer Excel roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free no obligation comparison
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: seven to one help You'll think you're his only customer.
Speaker 3: When you choose Frank durand the real estate man dot
Speaker 3: Com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two.
Speaker 2: Ripped so you don't have.
Speaker 1: Come runs as we can.
Speaker 2: No Shoot's gonna help.
Speaker 13: Come man, This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 3: Tom Martino here, Welcome to the show. Three zero three
Speaker 3: seven one three talk seven one three eight two five five.
Speaker 3: You know, if you've ever listened to radio, you hear
Speaker 3: all kinds of shows, but you never hear anything like
Speaker 3: this that gets involved in your everyday life and tries
Speaker 3: to solve your problems and answer your questions and take
Speaker 3: your complaints. And we love doing it. Been doing it
Speaker 3: fifty years forty five in Denver. I'm telling you, actually,
Speaker 3: maybe more. I don't want to. I lose track of
Speaker 3: time here and then these guys always joke about my age.
Speaker 3: And I've been old as dirt and been around you
Speaker 3: know what, I don't care. I'm proud of that. Right now,
Speaker 3: Ruthie's wants to clarify some things about her storage problem.
Speaker 3: I said I couldn't help her. Let me recap that
Speaker 3: and get to Ruthie, listen, I want you to know something.
Speaker 3: What I do is I grill consumers because I want
Speaker 3: to help them. I know this sounds weird, but I
Speaker 3: have to grill them to let them know what's coming.
Speaker 4: Now.
Speaker 3: I've been involved in about fourteen sixteen lawsuits and over
Speaker 3: my time, mostly people assume me out of anger or
Speaker 3: I sue them, and you know, but here's the bottom line.
Speaker 3: What happens is that my attorney grills the hell out
Speaker 3: of me. You see, you want people that will help you,
Speaker 3: and they help you by that adversarial mock up so
Speaker 3: you can withstand the opposition.
Speaker 4: And so Ruthie said, here's what she said.
Speaker 3: In twenty eighteen, I called a mover and I quote,
Speaker 3: I don't even know how I found him. I didn't
Speaker 3: have a contract, but he agreed to take the table
Speaker 3: dining room table custom made and put it into storage.
Speaker 4: That's it, twenty eighteen. She says.
Speaker 3: At about twenty twenty, I called him and said I
Speaker 3: want my table, and one guy that answered the phone
Speaker 3: said it'll be a couple hundred bucks or something.
Speaker 4: I got to go look for it. You got to
Speaker 4: pay for my time. She said.
Speaker 3: Nothing was ever said about storage or moving, and there
Speaker 3: was no contract. That guy hung up on her, and
Speaker 3: ever since then she's been trying to get it.
Speaker 4: And so I asked her.
Speaker 3: I said, well, we can try to get a hold
Speaker 3: of them.
Speaker 4: And I said, what do you think you owe them?
Speaker 3: And she said nothing because she was inconvenienced and other
Speaker 3: movers say they wouldn't charge her anything. Well, the other
Speaker 3: movers are liars, right up, straight up, I'll tell you,
Speaker 3: And if I get them on the phone, I'll tell
Speaker 3: them to their face they're liars. If they picked up
Speaker 3: something in twenty eighteen and it was two years since
Speaker 3: they heard from the woman, and it's been this long
Speaker 3: in storage, they would you would owe them moving it
Speaker 3: into storage, moving it out of storage, and reasonable storage. Now,
Speaker 3: if it was their fault it was in storage for
Speaker 3: so long, if there was a problem, then you would
Speaker 3: come to some compromise. But you will never and I
Speaker 3: mean never get out of this case ever, not owing money.
Speaker 3: That is my simple declaration here on this problem. Now,
Speaker 3: that doesn't mean Ruthie is wrong or right, or they're
Speaker 3: wrong to right. She can fight this out, but we're
Speaker 3: not going to get involved. So Ruthie, you said, though
Speaker 3: you wanted to clarify some things, so I promised, I'll
Speaker 3: shut up, clarify things.
Speaker 4: Go ahead, Ruthie.
Speaker 11: Okay, So initially I was amenable to one hundred and eighty,
Speaker 11: but there was no more information than he hung up.
Speaker 11: And I can't even count how many times I left
Speaker 11: messages for them and texted and no response. So when
Speaker 11: my friend called saying she was my attorney, said that
Speaker 11: I would pay a hundred bucks for them to deliver it,
Speaker 11: I had that one hundred dollar bill sitting and waiting
Speaker 11: because I actually believed they were going to come deliver it.
Speaker 11: So I'm not saying I did not say I should
Speaker 11: get it for free.
Speaker 4: Okay, Okay, hey, Ruthie.
Speaker 3: In today's world, one hundred dollars will move their asses
Speaker 3: off the couch to answer the phone, but it doesn't
Speaker 3: include the furniture. In today's moving world, one hundred dollars
Speaker 3: to deliver an oversized custom.
Speaker 4: Dining room table and shares is not going to work.
Speaker 11: There's no chairs, so it's just the table.
Speaker 3: And it okay, part, it's just the table that can't part, okay.
Speaker 11: And they're close by, and the thing is, have you
Speaker 11: ever gone over there in person? There's nowhere to go.
Speaker 11: Like I said, the two But.
Speaker 3: Tell me, what about eighteen, nineteen, twenty twenty one, twenty two?
Speaker 3: What about let's just say even two, three or four
Speaker 3: years storage? What do you think that's gonna be?
Speaker 11: Well, but I understand what you're saying. However, I'm just asking.
Speaker 3: I'm not trying to fight with you. I'm not trying
Speaker 3: to fight with you. Okay, even two years of storage
Speaker 3: you call them in twenty eighteen or twenty twenty. Let's
Speaker 3: just say two years of storage. What do you think
Speaker 3: that's gonna cost?
Speaker 11: Well, I have no idea because they don't communicate with me.
Speaker 3: Okay, So do you want us to find out? Here's
Speaker 3: what we can do. We can find out. First of all,
Speaker 3: here's the sad news. If they don't have it, it's
Speaker 3: going to be too complicated to fight this civilly. I mean,
Speaker 3: you can try, and I'm not discouraging it.
Speaker 11: They said they's good.
Speaker 3: Then let's see.
Speaker 8: I'm sure they'll want Amitri making a call over there.
Speaker 8: But honest to god, this is insanity. I mean, they
Speaker 8: have had it for seven years, never charge her to
Speaker 8: move it into storage, and haven't charged her any storage.
Speaker 8: If you can get this same move for two hundred bucks.
Speaker 8: You should jump on it and cook them dinner when
Speaker 8: they bring it to you.
Speaker 4: Mark, I think five hundred would be a deal.
Speaker 8: Five hundred let's just have to meet you and the
Speaker 8: next break and see what were you going to say?
Speaker 1: Bro?
Speaker 4: I think they're.
Speaker 3: Happy to call them.
Speaker 7: I think, I mean, I think this case is self explanatory,
Speaker 7: which is, you know, if they still have the couch,
Speaker 7: then then the caller will have the option it's a table.
Speaker 7: Oh yeah, the table. Sorry, then there's no chairs, the option.
Speaker 4: Of no chairs and the table comes apart.
Speaker 7: I can't believe they still have this piece of furniture,
Speaker 7: but I'll call and find out what's going on with it.
Speaker 3: I would have called it abandoned, but I agree that
Speaker 3: if they have it, what the hell, why should they
Speaker 3: make it difficult. Let's just try to negotiate something. I mean,
Speaker 3: you know, if it was just sitting there. I okay, So, Ruthie.
Speaker 7: What's the value of this table at this point?
Speaker 11: Well, we paid forty five hundred and that was like
Speaker 11: forty thirty forty years.
Speaker 8: Wait wait wait wait wait, I swear you said your
Speaker 8: dad and someone made it.
Speaker 11: No, no, no, no, no, my daughter's dad, my ex
Speaker 11: husband and I had it custom made and Boulder.
Speaker 6: Many years.
Speaker 3: You had it made.
Speaker 4: I get it.
Speaker 11: Right, Okay do you want.
Speaker 3: Well, yeah, we're off the air. Yeah, okay, so let's
Speaker 3: do this. Can you get this information for.
Speaker 4: Deputy D Sure? And then? I don't know what you know.
Speaker 3: Furniture doesn't hold value very well except for antiques and stuff.
Speaker 3: But a hndred On, for example, a high end table
Speaker 3: brand new is any from five to ten grand. And
Speaker 3: that's with uh, that's with table and shares. I don't know,
Speaker 3: you know, I don't think she has a prayer here
Speaker 3: unless they just want to be nice, okay. Three oh
Speaker 3: three seven to one three talk three oh three seven
Speaker 3: one three eight two five five eight eight eight. Heating
Speaker 3: dot com the best place for high efficiency heating and
Speaker 3: cooling equipment. And they say put them to the test.
Speaker 3: You won't get it any lower anywhere. Three oh three
Speaker 3: seven seven zero two seven seven six Go with a
Speaker 3: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 3: don't pay a cent until you're content. Time for an
Speaker 3: insurance check up free, no obligation. In comparison, call Compass
Speaker 3: insurance paying too much your coverage at dozens of insurance companies.
Speaker 3: Find out now three all three seven seven to one help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three all three nine two zero
Speaker 3: sixteen twenty two. Hey Tom Martino, here your trouble shooter.
Speaker 3: Three all three seven one three talk seven one three
Speaker 3: eight two five five. You know what.
Speaker 4: You will love?
Speaker 3: Frank durand the real estate Man doing an evaluation for
Speaker 3: your home. Frank durand the real Estateman dot com. You
Speaker 3: want to know what it will sell for free of charge?
Speaker 3: Three oh three nine two zero sixteen twenty two. That's right,
Speaker 3: and it's a full detailed analysis. Who do we love
Speaker 3: more than Frank sus Who? Anybody?
Speaker 4: No one?
Speaker 3: Frank Mimrand the Realestateman dot com. Hey, Ruthie is back
Speaker 3: waiting for Dimitri. Dimitri's on the phone with the moving company.
Speaker 4: I can hear him now.
Speaker 3: I want to go to uh Brook at Redrox Roof
Speaker 3: and Solar Brook. You wanted to give a shout out
Speaker 3: what's going on?
Speaker 1: Ruth?
Speaker 4: I mean, what's going on?
Speaker 3: Brook?
Speaker 4: Sorry?
Speaker 14: It's okay. So my furnace totally went out last week
Speaker 14: and we called Master Services.
Speaker 12: Jury was outside, yeah.
Speaker 11: About an hour, and he gave us a quote that
Speaker 11: was half.
Speaker 14: Of what somebody else gave. Work was done, He left
Speaker 14: us with a couple extra filters, and he did great service.
Speaker 14: I just want to give them a great shout out
Speaker 14: at Master Services.
Speaker 3: They did awesome, great And you know what, Brook, you
Speaker 3: might want to keep it in mind maybe when you're
Speaker 3: doing those solar systems and you need do they do
Speaker 3: electric key pumps and stuff?
Speaker 14: No, I didn't ask. My husband dealt with him, but
Speaker 14: I'm definitely going to give him a call if I
Speaker 14: have somebody to ask for a client to see.
Speaker 3: Hey, thank you. And Brook's part of the referral. Listen,
Speaker 3: she's talking about another member. I wanted to ask you something, Brook,
Speaker 3: when it comes to solar systems, how many times do
Speaker 3: people couple the HVAC overhaul with the solar and do
Speaker 3: it all in one shooting match.
Speaker 14: Most of the folks, I say seventy percent that are
Speaker 14: in Denver do it because they get a forty five
Speaker 14: rebate to.
Speaker 11: Do that along with the other text.
Speaker 3: Holy crap, Wow, it's not very.
Speaker 14: Common unless they're doing a new build.
Speaker 3: Okay, okay, you know, can I ask you something else?
Speaker 3: Do you ever put in EV chargers or people do
Speaker 3: that with solar systems? Oh?
Speaker 11: Yeah, all the time.
Speaker 14: Usually if they want an EV charger and we're doing
Speaker 14: a solar system, we just do it complimentary as a
Speaker 14: customer service piece.
Speaker 3: WHOA Now do they get is it added in if
Speaker 3: they buy that to the total of their whole system
Speaker 3: for the tax credit or are there special rebase for that.
Speaker 14: The EV charger? It depends on which one they get,
Speaker 14: and there's a couple of details, but they can get
Speaker 14: a rebate and a tax credit on it.
Speaker 3: Thank you very much at redrockars dot com by the way,
Speaker 3: and thanks for calling in Broke. That's Red Rocks are
Speaker 3: you know we for a long time we've waited to
Speaker 3: get a solar company on the you know, we've had
Speaker 3: solar companies in the past. But these guys, these guys
Speaker 3: got it together. Three h three seven zero four two
Speaker 3: four four nine. Now Trevor, what's going on with you? Trevor,
Speaker 3: Welcome to the show, Trevor.
Speaker 10: Hey, Yeah, what's going on?
Speaker 1: Tom?
Speaker 4: Hey, what's happening with you?
Speaker 6: To make this.
Speaker 10: A lot, so dealing with an issue right now, that's
Speaker 10: that's gone all the way to the legal part, and
Speaker 10: it's super frustrating. So back in April of twenty twenty four,
Speaker 10: my wife noticed in the wall in our kitchen what
Speaker 10: looked like signs of water damage. So she googled it,
Speaker 10: that's what she does. Found out the thing to do
Speaker 10: was to call a mitigation company to come in and
Speaker 10: take a look at it. So she found Restoration One,
Speaker 10: called them, they came out to the house. I filed
Speaker 10: the claim that same day with our insurance, American National Insurance.
Speaker 10: That kind of got the ball rolling. Restoration One told
Speaker 10: us that they would, you know, deal with insurance to
Speaker 10: get this whole thing figured out. Like they reassured us that,
Speaker 10: you know, we're in good hands, They're gonna take care
Speaker 10: of us. They set up these big air scrubbers and
Speaker 10: dehumidifiers in the kitchen and also on the other side
Speaker 10: of that wall is our bathroom, so they set them
Speaker 10: up on both sides just to make sure that you know,
Speaker 10: there was no If there was mold, we're gonna be
Speaker 10: taking care of whatever. A few days went by with
Speaker 10: these machines running. They kept coming by to check on them.
Speaker 10: Apparently from our understanding, like they were negotiating with insurance
Speaker 10: to see what the next step was. A week or
Speaker 10: so went by, and these machines were running in our
Speaker 10: house all day. Every day they would come out to
Speaker 10: check the numbers on them or whatever. Cut to like
Speaker 10: several weeks later, they're still running, you know, every time
Speaker 10: they come out. My wife's asking them, like, you know, dude,
Speaker 10: these need to be running. This scenems expensive, Like what's
Speaker 10: going on? They're like, don't worry about it. Insurance will
Speaker 10: take care of it. A long, long story. Insurance was
Speaker 10: not handling it. They were not taking care of it,
Speaker 10: so we finally got a public adjuster involved. Once the
Speaker 10: public adjuster was involved, we were able to get a
Speaker 10: few payments from insurance as well as a payment for
Speaker 10: Restoration one from insurance.
Speaker 3: Why wasn't your insurance? Why did you have to call
Speaker 3: a public adjuster? I mean that's a good move, but
Speaker 3: why did you have to call one? Did did they
Speaker 3: turn down the claim?
Speaker 10: They did not turn down the claim. They accepted it,
Speaker 10: but they weren't making They weren't making full payments like
Speaker 10: if they When Restoration one finally got to the demo
Speaker 10: portion of it they had that they took out the
Speaker 10: entire tile floor in the bathroom, drywall on that shared wall,
Speaker 10: the vanity, the sink, the toilet, and also damage part
Speaker 10: of the tile surround in the in the shower, and
Speaker 10: then on the kitchen side they took out rye wall.
Speaker 3: Yeah, but you know you're not answering my question, or
Speaker 3: you're not answering my question. Why did you call a
Speaker 3: public adjuster.
Speaker 10: Because we weren't getting We've got like a four thousand
Speaker 10: dollars check from insurance to cover the bathroom and the kitchen.
Speaker 10: We're like, that's not enough to even cover part of
Speaker 10: the kitchen.
Speaker 3: So you thought, okay, got it, I got it? And
Speaker 3: what excuse did your homeowners insurance give for short changing you?
Speaker 10: Uh, there was really no no. They were saying, this
Speaker 10: is this, this is what we had, we had, we had.
Speaker 10: They've sent out somebody to take a look, take pictures,
Speaker 10: see what the costs was going to be. They came
Speaker 10: up with their estimate.
Speaker 6: We we went along with.
Speaker 10: That, assuming they knew what they were talking about. When
Speaker 10: they came back with that super low number, we were like,
Speaker 10: well that's not even enough to like replace the cabinets
Speaker 10: that got taken out. Let alone.
Speaker 3: You know what public adjuster? Did you What public adjuster
Speaker 3: did you call?
Speaker 10: We're working with Noble Public Adjusting. They worked in Denver,
Speaker 10: but they're based in Florida.
Speaker 3: How'd you find them online?
Speaker 4: Okay?
Speaker 3: So here we have one by the way that she's
Speaker 3: really good. But it's okay, so you called Noble Public Adjusting.
Speaker 3: What I want to know is this? Where does it
Speaker 3: stand today? There's a reason you're calling us. What's going on?
Speaker 6: Correct?
Speaker 10: Today?
Speaker 6: We are.
Speaker 10: Restoration One has brought us to court for the remaining
Speaker 10: balance of their eighteen thousand dollars that they are charging
Speaker 10: for the mitigation process. Our insurance has paid what they
Speaker 10: think is the fair value on that, which is about
Speaker 10: half of it, about eight thousand dollars nine thousand dollars.
Speaker 10: Restoration One is coming after us for the remaining now
Speaker 10: seven six hundred dollars plus legal fees because they haven't
Speaker 10: gotten their full thing paid.
Speaker 6: Part of the reason.
Speaker 3: Okay, Now here's what he's Here's what I want to know.
Speaker 3: Here's what I want to know. That nine thousand they're
Speaker 3: trying to collect. I just need to know this, Trevor,
Speaker 3: and you got to be straight with me. Okay, if
Speaker 3: you took the total insurance proceeds every single day that
Speaker 3: you've gotten, every dime, are you withholding any of it?
Speaker 1: No?
Speaker 10: No, we've got our payment for that. We the payment
Speaker 10: we got because because the payments came through after we
Speaker 10: got a hold of the Public Adjuster, they had to.
Speaker 6: Go through them.
Speaker 10: So the one, the one payment that we got for
Speaker 10: like seven thousand, eight thousand dollars for Restoration one, we
Speaker 10: had to pay ten percent of that to Noble Public
Speaker 10: Adjusting because they were now in I get it, and
Speaker 10: I get it, you had to pay for them already.
Speaker 6: And then uh, you know, like I said.
Speaker 3: Now, what was your total what was your total contract
Speaker 3: with America which is me with Restoration one?
Speaker 4: Your total contract?
Speaker 3: I know in the beginning they leave it open for
Speaker 3: auxiliary claims, but what was the initial contract?
Speaker 4: How much.
Speaker 10: What they claim for machines and everything like that was
Speaker 10: like eighteen thousand in total.
Speaker 3: I believe they said the total job. Did that include
Speaker 3: machines and restoration and everything? Or are you using someone
Speaker 3: else for reconstruction.
Speaker 10: We haven't even got to the reconstruction point yet. This
Speaker 10: is ten months ago and we're not even at that stage.
Speaker 10: Yet we're still trying to figure out Trevor.
Speaker 3: Trevor, Trevor, are you using Is your insurance going to
Speaker 3: help you with the rebuilding?
Speaker 10: Well, we're hoping so that's but we're going to go
Speaker 10: through a contractor of our choosing. We're not using restoration.
Speaker 3: That's good, that, Trevor, that's really good. Now, so all
Speaker 3: we're talking about now is the contract for for for
Speaker 3: mitigation and for remediation. Which was a total you said
Speaker 3: of eighteen grand that you signed in the beginning.
Speaker 4: Is that right?
Speaker 6: Sure?
Speaker 10: Yeah, we didn't know the number when we signed the contract.
Speaker 10: The contract is signed like immediately when they come out
Speaker 10: to the house saying we're going to handle this.
Speaker 3: What well, if there was no number on the contract,
Speaker 3: what was on the contract?
Speaker 10: Tom, That's a great question. My wife was the one
Speaker 10: that handled that part of it. I was dealing with
Speaker 10: the insurance part.
Speaker 3: So because Trevor, Trevor, it's all going to come down
Speaker 3: to the contract. Okay, Now here's how most restoration contracts read,
Speaker 3: like it or not. And I know the story because
Speaker 3: you tell the same exact story as everyone. Restoration companies
Speaker 3: come in and say, don't worry homeowners usually takes care
Speaker 3: of everything. We're going to set up stuff now to
Speaker 3: mitigate damage so it doesn't get worse. You're required to
Speaker 3: do that, which is all true. Don't worry about anything.
Speaker 3: That's what they all say. Then you sign a contract
Speaker 3: and the contract says that you're responsible for anything the
Speaker 3: insurance doesn't pay. Like it or not, Trevor, go, look
Speaker 3: that's what it says. Okay, So in reality, in reality,
Speaker 3: if they did eighteen thousand dollars worth of work and
Speaker 3: your insurance is only paying nine, then your public adjuster
Speaker 3: has to help you get more money or you're gonna
Speaker 3: have to pay the nine thousand most of the time,
Speaker 3: unless unless they cheated you and lied to you. Hold on,
Speaker 3: I don't even want to address that yet. Hang on,
Speaker 3: I'm Tom Martino. Three oh three seven one three talks
Speaker 3: seven one three eight two five five renew home Innovations.
Speaker 3: The most beautiful shower conversions you'll ever see, pure sheet porcelain,
Speaker 3: no maintenance ever. They can do this in two or
Speaker 3: three days with beautiful glass walls, no shower doors needed,
Speaker 3: no curtains, no threshold to step over or stumble over.
Speaker 3: It's wonderful, and they do it in two or three days.
Speaker 3: You have seventy two months to pay with no interest.
Speaker 3: Three oh three nine zero four two thousand, nine zero
Speaker 3: four two thousand Go with a sure thing Denver's Best
Speaker 3: roofer Excel Roofing dot com. You don't pay a cent
Speaker 3: until you're content on top of it. For an insurance
Speaker 3: check up free, no obligation. In comparison, call Compass Insurance
Speaker 3: paying too much your coverage at dozens of insurance companies
Speaker 3: find out now three all three seven seven to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three three nine two zero sixteen
Speaker 3: twenty two. Hey I'm Tom Martino. You're troubleshooter. Okay, Now, Trevor,
Speaker 3: here's the deal with restoration and insurance like this, restoration especially,
Speaker 3: we get this all the time.
Speaker 4: It's it's all the time.
Speaker 3: We get this where people are having trouble and they
Speaker 3: they end up.
Speaker 4: Being taken a court.
Speaker 3: We had this one other time, and they the consumers
Speaker 3: usually lose, unless Trevor, there's true, compelling evidence that there
Speaker 3: was some kind of fraud perpetrated or breach of contract.
Speaker 3: So let's just go right there. Was there anything that
Speaker 3: you and I don't just mean your feeling or what
Speaker 3: he said she said, they said, we said, I'm talking
Speaker 3: about stuff that you can really put your finger on.
Speaker 10: I mean, I don't think there's anything from a contractual
Speaker 10: standpoint that was that was done wrong. It's just, you know,
Speaker 10: I don't know how we how we would even go
Speaker 10: about proving that they're overcharging, you know, like insurance insurance responded,
Speaker 10: you know, saying this is what we accept this is
Speaker 10: what we're not accepting, and this is.
Speaker 3: Why Trevor and insurance insurance is the worst. Insurance is
Speaker 3: the worst barometer you can use for what's appropriate to pay.
Speaker 8: Okay, that public adjuster, Yeah, let me ask you something, man,
Speaker 8: that public adjuster is he mentioned to go to the
Speaker 8: next step where they get a referee involved.
Speaker 3: I mean, this is your insurance company.
Speaker 8: There's two more steps that this public adjuster should be
Speaker 8: helping you take.
Speaker 3: And if they're not, I mean, you hired someone that
Speaker 3: sucks well and that's yeah, how did they how did
Speaker 3: they come up with nine grand? I mean, what is
Speaker 3: your public that's good?
Speaker 4: Mark? Thank you?
Speaker 3: What is your public adjuster doing.
Speaker 10: Not a lot, honestly, and that's part of our frustration,
Speaker 10: you know. Like I said, they're based in Florida. When
Speaker 10: the hurricane happened, we lost contact with our claims adjuster
Speaker 10: for a long time. Around the holidays, we tried to
Speaker 10: read well, Trevor.
Speaker 3: Can I ask you why? May I ask you why
Speaker 3: you went all the way to Florida to find a
Speaker 3: public adjuster?
Speaker 10: Like I said, it popped up as Denver. They're just
Speaker 10: based in Florida, and that was the first one that
Speaker 10: popped up that had good reviews, and so we went
Speaker 10: with it.
Speaker 6: You know, we're kind of in a bind.
Speaker 10: We're we're frustrated and struggling with insurance, and that's that's
Speaker 10: where we you know, to go.
Speaker 3: Okay, Okay, I get it, you know what, man, let
Speaker 3: me hold on. I'm just I'm doing this. I'm doing
Speaker 3: I'm doing public adjuster Denver, just to see what comes up.
Speaker 3: You know, I would hope our referral list we usually
Speaker 3: get really good.
Speaker 4: SEO. Here, let me see what we got here.
Speaker 3: Yeah, he gets all these sponsored ones of course because
Speaker 3: they pay out the no's. But then you get a
Speaker 3: lot of them from Colorado. I mean, okay, hey, Mark,
Speaker 3: we're on the front page. We're on the first page,
Speaker 3: the first page referral list dot com Paragon, first page.
Speaker 3: In fact, we're the first listing under the sponsors.
Speaker 4: We're the first listing that comes up.
Speaker 8: See, he's got to go to the appeals process. It's
Speaker 8: dirt cheap. It might be three four hundred bucks man.
Speaker 8: And then if you still don't like the amount, if
Speaker 8: you still don't like it, you can go to the referee.
Speaker 8: So but the first part you got to do, see appeals.
Speaker 8: You go to the insurance company and say, hey, well, what.
Speaker 3: Pisses me off is this, if he goes to the
Speaker 3: appeals process and gets more money, that public adjusting company
Speaker 3: shouldn't take a dime. Well, they will. He signed to
Speaker 3: kay with them.
Speaker 10: How do we end that that relationship with them?
Speaker 3: If we look at their contract?
Speaker 8: You run around signing contracts like there, I know.
Speaker 3: Trevor, he makes a good point. You run around signing contracts.
Speaker 3: What does their contracts say.
Speaker 4: If I renew, Here's what I would do.
Speaker 8: I would assume they're going to get ten percent of
Speaker 8: anything that's got to do with that claim number.
Speaker 3: Period. Yep, we listen, this is and you know what
Speaker 3: where Matt Paragon. If you went with our guy Matt
Speaker 3: at Parragon Services, Matt Stanford, he would have he would
Speaker 3: only take a certain percentage of what he got.
Speaker 8: For regardless of none of this. I go back to
Speaker 8: this big deal. If they get ten percent, you have
Speaker 8: to go through the appeals. What happens is the insurance
Speaker 8: company is going to send somebody out.
Speaker 3: They have to, they have no choice.
Speaker 8: They'll send somebody out, then somebody else, generally your public
Speaker 8: adjuster picks a guy for you.
Speaker 3: But you're gonna have to do that yourself.
Speaker 4: We mark this is.
Speaker 10: We've already done that once.
Speaker 3: Well, then you have to go through Trevor. Was it
Speaker 3: called the appraisal process? Yes, and you hired an.
Speaker 4: Go ahead, I.
Speaker 10: Would they Noble sent two adjusters out to meet with
Speaker 10: the insurance adjuster. Both met at the house at the
Speaker 10: same time, went over everything together, took pictures. Everything sounded
Speaker 10: great from Noble standpoint, But then when it came back,
Speaker 10: a bunch of stuff had been deleted and taken out, and.
Speaker 8: Then you've got to go to the go the very
Speaker 8: next process, the appraisal process.
Speaker 3: You didn't go through the second part of the appraisal process,
Speaker 3: after your experts meet with their experts. The second part
Speaker 3: is if they don't come to an agreement, then there's
Speaker 3: an arbitrator that steps in. Okay, you know NOBL is
Speaker 3: not doing you justice. I would call Noble right now
Speaker 3: and listen, I'm telling you. I would say to them,
Speaker 3: under no uncertain terms, you are not doing your job.
Speaker 3: You did not complete the appraisal process, and you should
Speaker 3: be fighting for me.
Speaker 8: And tell them you want to referee involved in it.
Speaker 8: If you've already gone through the appraisal and they did
Speaker 8: not agree. In other words, your guys said eighteen thousand,
Speaker 8: the other said nine thousand. That means they didn't agree.
Speaker 8: That's where you get a referee that it doesn't work.
Speaker 3: From there, you're just screwed. And I don't know if
Speaker 3: they call it a ref or I don't know if
Speaker 3: they call it. Whatever they call it, it's the second
Speaker 3: part of the appraisal process. Please call us back and
Speaker 3: let us know what they say about going.
Speaker 4: Into the second part.
Speaker 8: If you got to go through that part of it
Speaker 8: with an umpire or referee in that, that is really
Speaker 8: interchangeable for real, Tom. You can use either of them.
Speaker 8: But if you've got to go through that part, that
Speaker 8: is binding.
Speaker 3: By the way, eight eight eight heating dot com call
Speaker 3: for your forty five dollars deep clean. They're not looking
Speaker 3: just to sell you something. They will get that system
Speaker 3: up and running and give you a true assessment and
Speaker 3: if you need a replacement. They are simply the best
Speaker 3: when it comes to high efficiency. When it comes to pricing,
Speaker 3: they want you to put them to the test. Three
Speaker 3: oh three seven seven zero two seven seven six Go
Speaker 3: with a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content. Time for
Speaker 3: an insurance checkup free, no obligation in comparison call Compass Insurance.
Speaker 3: Pay too much your coverage at dozens of insurance companies
Speaker 3: find out now three oh three seven seven to one help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three oh three nine two zero
Speaker 3: sixteen twenty two oh three seven one three talk seven
Speaker 3: one three eight two five five. All right, peeps, let's
Speaker 3: go to Alan Alan. What's going on with you?
Speaker 6: Alan?
Speaker 4: Welcome, What's happening.
Speaker 15: Yeah, So to make it quick. Last year, I submitted
Speaker 15: my taxes and I think it was early April for
Speaker 15: twenty twenty three, and then I didn't get any I
Speaker 15: was supposed to get a refund, but I didn't get
Speaker 15: any notice until August. And in August I got a
Speaker 15: paper a request for signature missing information, and they wanted
Speaker 15: just my signature, which I provided them. I thought that
Speaker 15: it was already on the original but I sent that
Speaker 15: back with the signature, and just back in November they
Speaker 15: sent me another request saying they don't have a valid
Speaker 15: signature and item six, which is the.
Speaker 3: Same exact they wait, the same exact request.
Speaker 15: The same request, except for this time they added in
Speaker 15: at attacked supporting documents for your entry at fourteenth of
Speaker 15: whatever for Federal income.
Speaker 6: Tax with HELM.
Speaker 15: This could be a Form W two in ninety nine
Speaker 15: w GG. And I tried telling them, I wait a minute,
Speaker 15: I said.
Speaker 16: I don't.
Speaker 3: In August they said they did. They needed In August
Speaker 3: they said they need your signature. In November they said
Speaker 3: they need your signature or they need your W two.
Speaker 15: They need both now. Even though I sent that back
Speaker 15: in August, they sent them back the letter with the signature.
Speaker 4: Got it?
Speaker 3: So what did you do?
Speaker 15: Well, I'm I haven't sent this one back yet because
Speaker 15: when I called my employer, they said, we can't really well,
Speaker 15: I don't know if that's true. Said, there's no, you're
Speaker 15: not working for us anymore.
Speaker 6: We don't.
Speaker 4: We can't give you a W two.
Speaker 3: So well, they can give you your old W two.
Speaker 3: You can get your old Don't you have a copy
Speaker 3: of the W two you submitted originally?
Speaker 15: Yeah, I've been looking for that and I can't find it.
Speaker 15: So I'm gonna have to call them, I guess again.
Speaker 3: Hey, Alan, Alan, this was in November, you got that notice,
Speaker 3: and now it's February. So you waited, right, So you've
Speaker 3: never you never sent in that latest request?
Speaker 15: Right, No, because I don't know. Yeah, I tried calling
Speaker 15: my employer to.
Speaker 4: Get okay, got it? Yeah, got it?
Speaker 16: All right, I've got it.
Speaker 3: This doesn't sound like a big deal. Doesn't sound like
Speaker 3: a big deal. You're W two. You don't have a
Speaker 3: copy of your return at all, the one you submitted,
Speaker 3: Yeah I do, and that has your W two on it.
Speaker 6: Yeah, it's good.
Speaker 15: Have Let's see, I've got the full print out here.
Speaker 4: Let me look, Alan that W two.
Speaker 3: Is it a PDF or is it a print out?
Speaker 3: If you have a PDF, you can just take that
Speaker 3: one page the W two and re send it to them.
Speaker 3: You know, it's not unusual for them to make a
Speaker 3: request more than once about things.
Speaker 4: I don't know why. They just seem to be screwed
Speaker 4: up right.
Speaker 15: Yeah, I know I've got it here somewhere.
Speaker 3: Well, then here's what I would do. I would just
Speaker 3: resubmit it. I don't know what the big deal is.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. Can
Speaker 3: comparison call Compass insurance paying too much your coverage at
Speaker 3: dozens of insurance companies find out now three all three
Speaker 3: seven seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: all three nine two zero sixteen twenty two.
Speaker 2: Yeah, Rita, you need advice? Who you don't have?
Speaker 1: Come runxious ass as you can show.
Speaker 2: Shooter's gonna help.
Speaker 13: Come man six is the Troubleshooter Show.
Speaker 3: Now, Tom Martinez, Welcome to the show. I'm here to
Speaker 3: help you, and you know what, that's a good thing because.
Speaker 4: We do love helping people.
Speaker 3: This hour brought to you by One Clear Choice Garage
Speaker 3: yours man, I love those people. Twenty four to seven.
Speaker 3: People say why do they have to have emergency garage
Speaker 3: or well, do you ever try to close your door
Speaker 3: and it won't close at night? You can't leave your
Speaker 3: garage open, especially if it accesses the house anyway. They
Speaker 3: have all of their prices on their website. Let me
Speaker 3: explain something to you. A lot of garage or companies
Speaker 3: have been taken over by big giant private equity firms
Speaker 3: and you think they're your wonderful local people.
Speaker 4: That's not necessarily true.
Speaker 3: But One Clear Choice Door is has kept that local appeal.
Speaker 3: Twenty four to seven service One Clear Choice Doors dot Com.
Speaker 3: Every price is on there for everything they do from
Speaker 3: the door to the opener.
Speaker 4: Welcome.
Speaker 3: Let's you see, this show is all about picking the
Speaker 3: right stuff, doing the right stuff, having the right information
Speaker 3: when you buy, when you sell, when you have a dispute, whatever.
Speaker 3: The show is about solving problems. That's what we do. Brian,
Speaker 3: for example, wants to talk about an HOA problem, an issue.
Speaker 3: I think it's a vole. Are we talking about environment here?
Speaker 3: What's going on?
Speaker 4: Brian?
Speaker 17: Yeah, Well, for the past three years or so, I've
Speaker 17: been dealing with this issue where the homeowners Association PET
Speaker 17: planted some ground cover adjacent to my property. And this
Speaker 17: groundcover actually provides a haven for boles, either a small
Speaker 17: and almost mouse like and when it snows, they burrow
Speaker 17: in under the snow get into my backyard because they're
Speaker 17: attracted to green grass, and they virtually have destroyed about
Speaker 17: a half to two thirds of my backyard.
Speaker 3: What was there before the HOA did the groundcover?
Speaker 17: Well, I moved here about fourteen years ago and it
Speaker 17: was just plaining grass and after a couple of years,
Speaker 17: the homeowner Association at the time put in this ground cover.
Speaker 17: It's like a juniper and it provides.
Speaker 3: What Okay, so it's a lot different in US, and
Speaker 3: it specifically attracts.
Speaker 17: Boles, yes, because it provides them cover or hawks and
Speaker 17: other burdens.
Speaker 3: I get it.
Speaker 6: I get it, yeah, And then what they.
Speaker 17: Do is is that they come out and I find
Speaker 17: it happening more after a snow we get a snow.
Speaker 17: I've actually looked out my window. I've seen these little
Speaker 17: critters come from underneath this groundcover that's adjacent to my
Speaker 17: property and go into my lawn. And then when the
Speaker 17: snow melts, my lawn is torn up just horribly. And
Speaker 17: I even had exterminators a couple of years ago.
Speaker 3: And they say, yeah, And then did you say they're
Speaker 3: actually getting in they're actually getting into your home.
Speaker 17: No, they're not getting into the home. It's only damaged
Speaker 17: to the backyard.
Speaker 3: Okay, And so what does the does the HOA take
Speaker 3: any kind of responsibility or say they will help you
Speaker 3: in any way.
Speaker 18: No.
Speaker 17: Basically the comment that I got back from the HOA,
Speaker 17: and I'll can I read it. It says we see
Speaker 17: this complaint fairly often in the communities that that have
Speaker 17: open space. However, Uh, those are as much part of
Speaker 17: the ecosystem as hawks and birds and so forth. They're
Speaker 17: more concerned about keeping or managing the ecosystem or the
Speaker 17: balance of nature and uh and and and the the
Speaker 17: end result is sorry, I think you have to live
Speaker 17: with it.
Speaker 3: And the prok listen, you know that's not by the way,
Speaker 3: they're not totally And I hope you take this wrong.
Speaker 4: I mean, you don't take this wrong.
Speaker 3: They're kind of right. What what what I mean is
Speaker 3: this they're saying, look everything, you know, when you're when
Speaker 3: you're in an open space or next to an open
Speaker 3: space or whatever, you're gonna have problems and it's nothing
Speaker 3: they can do about it. Are you suggesting that they
Speaker 3: pull out the juniper or whatever they put in there
Speaker 3: and they put in grass again.
Speaker 17: Well, actually it's against their own recommendations because the HOA,
Speaker 17: the district manager. The district manager last year said their
Speaker 17: recommendation is to have what they call a beauty band
Speaker 17: between the open space and homeowner's property to alleviate that problem.
Speaker 3: But I don't have a they have what kind of
Speaker 3: what kind of a what did you call it? A?
Speaker 17: What it's called a beauty band, and it's basically empty
Speaker 17: space between homeowner's property and the open space where there
Speaker 17: wouldn't be any planting. What actually makes it even more
Speaker 17: interesting is that in this development we've got native grass.
Speaker 17: Last year, many of the homeowners were concerned that this
Speaker 17: native grass grows the three or four.
Speaker 6: Foot high and many of the.
Speaker 17: Homeowners were expressing fear that it provides a fire risk
Speaker 17: and so in response to that, the HOA reached out
Speaker 17: to the local fire department, and even the fire department
Speaker 17: recommends a fifteen foot fire break between homeowner's property and
Speaker 17: the plantings in the open space.
Speaker 6: And what's interesting, let me ask you this.
Speaker 3: Hold on, hold on, don't keep going. I got to
Speaker 3: ask a few questions. So you have your home. You
Speaker 3: have your home, then you have juniper and then open space.
Speaker 3: What do you have a yard?
Speaker 1: Yes?
Speaker 3: So does the yard The yard butts up to your
Speaker 3: house except for maybe the woodschips or whatever around your house. Right, yeah,
Speaker 3: and then the yard goes up against the juniper.
Speaker 17: Right, the yard goes up to about a foot away
Speaker 17: from the junipers. And then I have a fence between
Speaker 17: my property and the open space. And right on the
Speaker 17: other side of the fence is this groundcover where these
Speaker 17: foles live?
Speaker 3: Look, look at the email. Okay, so the voles. The
Speaker 3: voles are living on the other side of the fence.
Speaker 3: They're not even on your property. No, but I want
Speaker 3: to get Brian on they get hungry.
Speaker 4: I was going to ask for Brian.
Speaker 3: Is this Brian the mouse guy and the army. Yeah,
Speaker 3: it it's your buddy. He's the everything guy. Except for
Speaker 3: domestic rats. That's the only thing where he loses credibility
Speaker 3: with me because he promised me that my stepson's rats
Speaker 3: would be dead by now, and they're not even close.
Speaker 3: I think I think they they're going. I don't know anyway.
Speaker 4: So anyway, Brian, what do you do about voles? Okay?
Speaker 12: I deal with them all the time. In fact, I've
Speaker 12: got jobs going on today as we speak. Two things.
Speaker 12: The vols are definitely subterraneans. They're going to stay underground
Speaker 12: when it's hot out.
Speaker 10: They don't.
Speaker 12: They do not like bright sunlight or hot day. They
Speaker 12: stayed below in order. There's two different methods that we
Speaker 12: use to get rid of them.
Speaker 3: I treat you Wait a minute, he says. He said
Speaker 3: they hide under the groundcover, and that's why he's having problems.
Speaker 17: Right, But the ground the groundcover is in the open space,
Speaker 17: which uh exterminators are not allowed to touch.
Speaker 12: Well, they don't know what they're doing, because I treat
Speaker 12: those kind of burrows all the time. I have a
Speaker 12: seed by.
Speaker 3: Well, how do you okay, how would you treat the
Speaker 3: How would you do this situation to keep the voles
Speaker 3: from destroying his yard?
Speaker 12: Two things I would One treat the burrows what I
Speaker 12: can find inside the evergreens, if they're on his property,
Speaker 12: If they are not on his property and they're coming
Speaker 12: from an adjacent property, I would then I would actually
Speaker 12: suggest to apply a barrier around his property line of
Speaker 12: pea gravel, small tiny pebbles about fourteen to sixteen inches wide.
Speaker 12: What happens is when they vold rise up above the ground,
Speaker 12: it's difficult for them to traverse across those tiny little pebbles,
Speaker 12: and so they just won't go across it.
Speaker 4: And the only Brian Brian.
Speaker 3: Yet, Okay, so he would then if you picture his
Speaker 3: yard and a fence, you would put a little border
Speaker 3: on the inside of his fence, correct.
Speaker 12: About fourteen to sixteen inches of this small py gravel.
Speaker 6: Yeah, I already, Brian.
Speaker 3: What do you think, Brian? Now I got to Brian's.
Speaker 3: I got Brian the expert to mouse guy and Brian
Speaker 3: the caller. Brian the caller, what do you think about
Speaker 3: that border?
Speaker 17: Yeah? I think it's good. I already have some stone
Speaker 17: already down there for about the distance that he just mentioned.
Speaker 6: But I could look out my but.
Speaker 4: He didn't say stone.
Speaker 3: He said he didn't he he did not say stone.
Speaker 18: I hear that.
Speaker 17: I hear that ear gravel okay, pea gravel okay, But
Speaker 17: I think there's another and that doesn't.
Speaker 3: Mean pea gravel in between stone. It means pea gravel
Speaker 3: alone to make it a little obstacle course for the voles.
Speaker 6: Correct, right right?
Speaker 17: I think the thing that with the homeowners is that
Speaker 17: because they planted it, they're against their own recommendation and.
Speaker 3: They didn't leave these But see, Brian, we're not You're
Speaker 3: not gonna get see this. This happens all the time,
Speaker 3: and I call it jousting with windmills. You're you can
Speaker 3: find the HOA in violation, you can, Okay, it doesn't
Speaker 3: matter because if the board and the people on the
Speaker 3: HUA are good with it, you trying to change it,
Speaker 3: it's going to be easier to put up the pea gravel.
Speaker 3: It's what I'm getting at is you may be technically correct,
Speaker 3: but you're going to spend thousands of dollars fighting it.
Speaker 17: Well, well, let me finish something here. It is their
Speaker 17: own recommendation that the plants not the oh my god,
Speaker 17: home on this property.
Speaker 3: I know that there's therefore what okay, hold on I oweys.
Speaker 4: Brian finish this sentence.
Speaker 3: It's the ah joy's own recommendation that they do not
Speaker 3: have plants adjacent blah blah blah without some kind of
Speaker 3: a beauty break. Therefore, finish the sentence. Therefore, finish the sentence.
Speaker 17: Therefore, I want to get a financial a compensation for
Speaker 17: the seven seven thousand dollars that they're planting against their
Speaker 17: own recommendation that creates that that haven for the voles
Speaker 17: that destroyed my backyard, and they're saying that.
Speaker 6: They are right.
Speaker 3: Now, Brian, you're a sensible man. So I'm gonna ask
Speaker 3: some questions. Number one, do you think they will voluntarily
Speaker 3: pay that?
Speaker 1: No?
Speaker 4: Number okay? Number two?
Speaker 3: Okay, what when you have no, I'm asking number two.
Speaker 3: Number two, they won't voluntarily pay it. So number two,
Speaker 3: when you have evidence that you feel shows they have
Speaker 3: and you've said this a million times, that they are
Speaker 3: violating their own policy, then you have what you are
Speaker 3: calling negligence per se, meaning that they rules and they're
Speaker 3: going against the rules, and that's all you have to show.
Speaker 3: So having this evidence, now this is question number two.
Speaker 3: If you present them with this evidence, will they voluntarily pay?
Speaker 6: No?
Speaker 4: Okay?
Speaker 3: Now, Number three, what is your third option? What is
Speaker 3: your third option? When people will not comply to a
Speaker 3: contract or contract? In fact, a third it's not a contract,
Speaker 3: but it kind of is, because they have recommendations that
Speaker 3: you say, you're going to say you depended on, which,
Speaker 3: by the way, you're gonna notice because I've developed fourteen
Speaker 3: subdivisions in the bylaws, it says that if they have recommendations,
Speaker 3: they're allowed to break their own recommendations.
Speaker 4: But I don't want to go there because you're not
Speaker 4: going to believe it.
Speaker 3: But I will tell you, unless it's written into the bylaws,
Speaker 3: not as a recommendation, but as a bylaw, then they
Speaker 3: can go against their own recommendations for anything there, anything,
Speaker 3: anything at all, if it's a recommendation, not if it's
Speaker 3: a by law. But let's just say, no matter what,
Speaker 3: you're not going to believe it. What is your third option?
Speaker 17: My third option is to get to find some attorneys
Speaker 17: which have already reached out that.
Speaker 3: That's right, that's right, and I can find you an attorney. Now,
Speaker 3: let me ask you this, when you hire an attorney,
Speaker 3: how much did you say your damages were?
Speaker 17: Thousand dollars?
Speaker 6: And I'm going to have to do it Okay.
Speaker 3: Now, do you believe that you are going to win
Speaker 3: this case for less than seven thousand dollars.
Speaker 17: I'm going to have to spend seven thousand dollars every year. Okay,
Speaker 17: it's not a one time deal. Every year because if
Speaker 17: they don't eliminate those goals.
Speaker 3: I'm going to tell you because the HOA, because the
Speaker 3: HOA is not fighting with their own money, I am
Speaker 3: going to tell you how much it will cost you
Speaker 3: to fight them, a minimum of fifty thousand dollars a minimum.
Speaker 3: If you win, you spend fifty thousand and you won.
Speaker 3: If you lose, you spend fifty thousand and you lost.
Speaker 3: You will spend and I absolutely guarantee it, absolutely positively,
Speaker 3: it will cost you fifty grand. Now you're claiming you're
Speaker 3: going to spend seven thousand dollars a year in damages.
Speaker 3: Now Brian is on the phone, as on the line saying,
Speaker 3: you can do a once and for all fix, but
Speaker 3: you won't do it. You would rather spend fifty grand
Speaker 3: to fight them, or you believe seven thousand a year
Speaker 3: will be your punishment. Yet Brian says, you do this
Speaker 3: border and it's not going to be seven thousand a year.
Speaker 3: We got more coming up. Go with a sure thing
Speaker 3: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 3: a cent until you're content. Time for an insurance checkup free,
Speaker 3: no obligation. In comparison, call Compass Insurance paying too much
Speaker 3: your coverage at dozens of insurance companies find out now
Speaker 3: three oh three seven seven to one help. You'll think
Speaker 3: you're his only customer when you choose Frank durand the
Speaker 3: real estate Man dot com to list your home with
Speaker 3: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Like a little platypus.
Speaker 3: Almost Hey, Tom Martinez, you're a troubleshooter three oh three
Speaker 3: seven one three talk three oh three seven one three
Speaker 3: A two five five.
Speaker 4: Anyway, Brian? That Brian? Oh did my expert hang up?
Speaker 12: He sure?
Speaker 6: Do?
Speaker 4: Is okay?
Speaker 3: Brian? Brian?
Speaker 4: I want to ask you something again.
Speaker 3: I'm not at odds with you, Bro, I'm just why
Speaker 3: wouldn't you spend the money to just put in your border?
Speaker 3: Why would you try this long arduous fight with the hoa.
Speaker 17: Because there is a more serious problem here because of
Speaker 17: the open space and the native grass that they let
Speaker 17: grow to be three or four feet high. Many homeowners
Speaker 17: are concerned about fires, given the Marshall fire two years ago,
Speaker 17: and of course the recent fire out in California, and
Speaker 17: the Homeowners' association refuses to cut the grass down. So
Speaker 17: they did go back there.
Speaker 3: Okay, that's a whole separate issue, though, man, No, no, no, no,
Speaker 3: that's a whole separate issue.
Speaker 17: It's absolutely related to this time. Let me tell you
Speaker 17: why they went back. And they went to the local
Speaker 17: fire department and they said that they homeowners need to
Speaker 17: have a fifteen foot fire break between the house and
Speaker 17: the native grant and this this groundcover.
Speaker 6: Is not giving.
Speaker 3: Then I have a solution, Brian. Brian, you don't have
Speaker 3: to convince me. I agree, you don't have to convince me.
Speaker 3: I want to say. Let's just say the HOA is
Speaker 3: one negligent or derelict in their duties and they need
Speaker 3: to not only cut back the vegetation, but they have
Speaker 3: to keep the grass trimmed. Is by the way, is
Speaker 3: that open space part of the HA park property?
Speaker 4: It's not public land right, yes?
Speaker 17: And it was on fire last Saturday.
Speaker 3: I'm asking you is it part of the HOA property
Speaker 3: or is it public? And you said, yes, which one
Speaker 3: is it?
Speaker 17: It's part of the HOA and the old reason I'm concerned.
Speaker 17: I'm okay, I'm getting a little anxious here is because is.
Speaker 4: That June it was on fire.
Speaker 17: It's a fire hazard. I looked out my window Saturday
Speaker 17: and Brian the open space.
Speaker 3: Brian, Brian, you don't understand something. You think repetition is
Speaker 3: going to make it more.
Speaker 4: Emphasize with me.
Speaker 3: What you don't understand is I hear you. You're saying now,
Speaker 3: in addition to varmints hiding under it, you have a problem,
Speaker 3: and so do other homeowners with a fire break. I
Speaker 3: get you. You don't have to say it again. I
Speaker 3: agree with you. They should have a fire break. Now
Speaker 3: here's what I was going to say. If the HOA
Speaker 3: is one derelict in not providing the proper break and
Speaker 3: not going by their own recommendations or by the recommendations
Speaker 3: of the fire department for a fire break, then homeowners
Speaker 3: who are concerned need to ouse the HOA. And I
Speaker 3: don't even know if it's the h way you're fighting
Speaker 3: or the management company, but you are an owner. So
Speaker 3: if you get enough owners to agree with you, then
Speaker 3: you can probably make an impact. Because the HOA. Here's
Speaker 3: what's crazy. The HOA is not separate and apart from
Speaker 3: you and your neighbors. You are the HOA. But is
Speaker 3: it the HOA the actual president and vice president and
Speaker 3: secretary treasurer, the ones that are being idiots? Or is
Speaker 3: it the management company they.
Speaker 17: Hired the management company.
Speaker 3: Why doesn't the HOA order they're the the HOA is
Speaker 3: the boss, not the management company. Why doesn't the HOA
Speaker 3: president have a meeting? And you guys decide that you
Speaker 3: tell the HOA management company that you want a firebreak?
Speaker 3: Why not.
Speaker 17: I'm going to be doing that to see even because
Speaker 17: they do have an HOA meeting this afternoon. Or I'm
Speaker 17: going to bring good and of.
Speaker 6: Course good that we just had is going to make
Speaker 6: is going to really a cree.
Speaker 3: Now now, Brian, I don't want you to get lost
Speaker 3: in translation. Seriously, so listen carefully. Your battle is not
Speaker 3: with the HOA. Your battle you are simply saying to
Speaker 3: the h we not you. We have to have a
Speaker 3: fire break. I talk to the fire department, and the
Speaker 3: fire break is not just for fires. But there's also
Speaker 3: another issue, and that is our own policies should not
Speaker 3: have plantings up against property lines. So I appeal to
Speaker 3: you on the ha to help us pressure the management
Speaker 3: company into hiring the proper people to get this done. Now,
Speaker 3: by the way, there may not be enough funds in
Speaker 3: the HOA. They may have to do a special assessment.
Speaker 3: I don't know.
Speaker 4: But here's the bottom line.
Speaker 3: It is you are part of the HOA and you're
Speaker 3: asking the management company to do what the HOA instructs.
Speaker 3: The management company does not get to set the requirements
Speaker 3: or they don't get to set the process, and they
Speaker 3: don't get to set what they do and what they
Speaker 3: don't do. They are simply an arm of the HOA.
Speaker 3: So what you need is to get the HOA behind
Speaker 3: you and other homeowners to force the management company or
Speaker 3: kick their asses off the job. Management companies are not
Speaker 3: the boss. The problem is over the years, management companies
Speaker 3: have become the bosses because of inept hoas.
Speaker 4: Now, does all this make sense to you?
Speaker 18: Perfectly good?
Speaker 3: I want you to do it and call us back
Speaker 3: and let us know. You let us know because you
Speaker 3: can tell the HOA by the way in your meeting.
Speaker 3: By the way, HOA, we knowing that there is a problem,
Speaker 3: and we've already had a brush fire. Knowing this puts
Speaker 3: us at risk for liability and negligence should something happen
Speaker 3: and some of these homes be burnt down. Because the
Speaker 3: insurance companies that ensure these homes will come after us.
Speaker 3: You better tell them that, because this is no laughing matter.
Speaker 3: Three oh three seven to one three talks seven one
Speaker 3: three eight two five five. Go with a sure thing
Speaker 3: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 3: a cent until you're content.
Speaker 1: Top of it.
Speaker 3: For an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance pain too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: seven to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three oh three nine two zero
Speaker 3: sixteen twenty two. I'm Tom Martino. You're troubleshooter. By the way,
Speaker 3: Genesis Totally series. You know what they do, mold detection
Speaker 3: and remediation, and they're good people. Mark and his wife
Speaker 3: so this, and they also do painting. Great painters. Jennis
Speaker 3: is totally serious dot com. Okay, now, let's talk about
Speaker 3: a reverse loan with Philip. He wants to talk about that.
Speaker 3: Keep your calls coming. Three O three seven one three
Speaker 3: talks seven one three, eight two five five. And then
Speaker 3: we promised you and we will get you the Gravinas
Speaker 3: dot com. Gravina siding and windows or Gravina windows insiding,
Speaker 3: however way you put it is Gravina. We're gonna get
Speaker 3: that home show special. But Philip first, go ahead, Philip,
Speaker 3: what's going on?
Speaker 4: All right? Philip hung up right? No, No, he's there.
Speaker 3: Oh hi Philip.
Speaker 19: Yeah. I've been told by several attenders that if I
Speaker 19: buy a house using a reverse in the long run,
Speaker 19: I can come out with a profit through the line
Speaker 19: of credit over the property taxes and the initial large fee.
Speaker 19: What are the pluses and minuses of buying a house
Speaker 19: using that kind of Martine?
Speaker 3: Okay, now technically it's not a profit, but I see
Speaker 3: why they're calling it that.
Speaker 4: Let me explain this to you.
Speaker 3: To buy a house with a reverse loan, you need
Speaker 3: to have, obviously the equity to put down. So what
Speaker 3: you do is depending on your age.
Speaker 4: How old are you? Philip seventy four? Okay, So let's.
Speaker 3: Just say, and I'm not sure at seventy four, it
Speaker 3: might be something around I think seventy five to eighty
Speaker 3: percent loan to value.
Speaker 4: So how much is the home you're looking at?
Speaker 19: Well, I don't have a home yet to give a
Speaker 19: price on, but in the range of say one fifty
Speaker 19: to one seventy, you're not going to.
Speaker 4: Find a house for one fifty to one seventy Where
Speaker 4: are you looking?
Speaker 19: Oh, I've found plenty of houses in that range in
Speaker 19: Tennessee and Florida.
Speaker 3: I'm sorry, I'm sorry, You're right. I thought you were
Speaker 3: talking about Colorado Denver area.
Speaker 4: I'm sorry. So let's just go one seventy five. Okay.
Speaker 3: So, if you found a house for one hundred and
Speaker 3: seventy five thousand you wanted to purchase with a line
Speaker 3: of credit, you would probably have I'm just guessing maybe
Speaker 3: you can probably get at your age seventy five percent
Speaker 3: loan to value.
Speaker 4: Okay.
Speaker 3: So that would mean that you would have to come
Speaker 3: up with the balance. So let's just use easy numbers.
Speaker 3: Let's see thirty, So you would have to probably, say
Speaker 3: one hundred and thirty out of one seventy five. So
Speaker 3: so you know, just do the math. So take one
Speaker 3: seventy five I'm trying to do this live on the
Speaker 3: and then subtract about one thirty in the loan you
Speaker 3: can get in a reverse loan, and you would get
Speaker 3: about so you you have to put down about forty
Speaker 3: five okay.
Speaker 19: Forty five K, got it?
Speaker 4: Forty five k?
Speaker 3: Right, So now the rest of the loan, let's shore.
Speaker 4: This is just really rough numbers.
Speaker 3: So now you would theoretically, oh, absolutely absolutely, how much
Speaker 3: do you want to put down?
Speaker 19: Well, I have to sell my house here first to
Speaker 19: know for sure, but I without that, I could probably
Speaker 19: put down eighty or ninety.
Speaker 3: Okay, So let's say seventy five you put down. You
Speaker 3: have a loan for one hundred, right, okay, So on
Speaker 3: that loan for one hundred, the reverse loan, you wouldn't
Speaker 3: have to make any payments. You just pay your taxes
Speaker 3: and insurance, and then that would accrue money against it, right,
Speaker 3: and then every year a crewe so in other words,
Speaker 3: that you wouldn't have to pay. Now, what you do
Speaker 3: is if you have a line of credit on.
Speaker 4: Top of that.
Speaker 3: See and so let's say it makes a certain amount
Speaker 3: available that line of credit grows every year by the
Speaker 3: same percentage as the loan, and it grows the line
Speaker 3: of credit grows, which means the amount available. It's not
Speaker 3: really a profit. It's not money in your pocket. It's
Speaker 3: money available to borrow.
Speaker 8: I bet jouretically almost a perfect idea, you know what
Speaker 8: I'm saying.
Speaker 3: In fact, we can get John on and we should
Speaker 3: and he frankly, yeah, he'll do the loan. Yeah, call CMG.
Speaker 3: But I'm just giving you an overview. So let's say
Speaker 3: now you're in a home, you have a reverse loan,
Speaker 3: and now you have a line of credit. So the
Speaker 3: line of credit will help you borrow, uh, if you
Speaker 3: need to in the future, and if.
Speaker 4: You don't use it, it sits there.
Speaker 3: But the line of credit grows, not not in cash,
Speaker 3: but in the ability to borrow, and it grows every year.
Speaker 3: But you theoretically don't profit from it. It's money available
Speaker 3: to borrow. I'll let John explain some of this as
Speaker 3: how a line of credit works on a reverse loan.
Speaker 6: After this one, yeah.
Speaker 4: I'm going to take it right after this.
Speaker 3: Go with a sure thing Denver's best roofer Excel roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free no obligation comparison
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three O three seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank durand the real estate man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: three nine two zero sixteen twenty two.
Speaker 4: Hey, I'm Tom Martine.
Speaker 3: Hey, using a reverse loan to buy a house may
Speaker 3: seem confusing, but really what you're doing is putting You're
Speaker 3: putting down a down payment and then you don't have
Speaker 3: a mortgage. That's really the way it works. And the
Speaker 3: down payment will be a little larger than a normal loan,
Speaker 3: John Clase. So if you're gonna buy, if this guy
Speaker 3: is seventy four and he's buying a house like for
Speaker 3: one hundred and eighty, like in another state, so how
Speaker 3: much would he have to put down?
Speaker 4: Approximately assimately about.
Speaker 6: He's sixty at that age he'd have to put down so.
Speaker 4: They'd lend your pulle.
Speaker 3: Oh say, I'm sorry, I was doing just the opposite.
Speaker 3: I'm sorry, So you do have to put down quite
Speaker 3: a bit.
Speaker 6: You do, yes, you do, and it's it's based on age.
Speaker 6: But at seventy four.
Speaker 3: I'm sorry, I totally screwed that up. You're you're right,
Speaker 3: I'm forgetting. The reverse loan is really the loan on
Speaker 3: your equity, and you have to have the Okay, so
Speaker 3: on one hundred and eighty thousand dollars home, he's looking
Speaker 3: at putting down, you're saying seventy percent at least fifty.
Speaker 4: I'm sorry, fifty nine percent.
Speaker 3: So then basically he's putting down one hundred hundred and
Speaker 3: six thousand. Yeah, so okay, yeah, so if he puts,
Speaker 3: let's just say he puts, so let's just make it easy.
Speaker 3: He puts one hundred grand down, and he has an
Speaker 3: eighty thousand dollars reverse loan, right correct?
Speaker 4: Roughly?
Speaker 3: Okay, when does it become fifty to fifty? Is that
Speaker 3: when you're about eighty something?
Speaker 6: Boy, they don't even really get to that point anymore
Speaker 6: with the new laws. I mean you may get to
Speaker 6: you get to about forty five forty six percent max
Speaker 6: type thing on the new reverse mortgages on the loss.
Speaker 3: Yeah, then he's going so let's say Phil, But then
Speaker 3: he's so let's say live there till he's one hundred
Speaker 3: and ten. God bless him if he lives out well,
Speaker 3: that that's right. If he puts down enough money, if
Speaker 3: he puts down the required amount of money, he never
Speaker 3: has to worry about the balance ever. But now John explain,
Speaker 3: if he does the line of credit option, he would
Speaker 3: literally have to put down most of it, right because
Speaker 3: if he just puts down the minimum, there is no
Speaker 3: line of credit.
Speaker 6: Exactly right, So you don't get that credit, that growth
Speaker 6: or whatever on the line of credit. So you're right
Speaker 6: on that tom And.
Speaker 3: If so, he'd have to pay In essence, let's just
Speaker 3: make numbers easy. If he bought a home for two
Speaker 3: hundred grand, he would literally have to pay it off.
Speaker 6: If he wanted to get that line, yeah, for the
Speaker 6: line of credit, and then that's.
Speaker 3: Okay, So he would buy that hold on, so he
Speaker 3: would buy the house in cash. Then he would get
Speaker 3: a reverse line of credit and not use it, and
Speaker 3: and so he'd have it for emergencies. So on a
Speaker 3: two hundred thousand dollars purchase, roughly he would have available
Speaker 3: to him for emergencies.
Speaker 6: The how much, oh what would that be? So ninety
Speaker 6: thousand something like that and the two hundred thousands.
Speaker 3: Okay, so let's say he has so now he buys
Speaker 3: the house for two hundred grand, and then he gets
Speaker 3: a ninety thousand dollars reverse line of credit. He doesn't
Speaker 3: have to use it, but if he needs money he
Speaker 3: can borrow from it, and whatever he doesn't use grows
Speaker 3: by the same interest rate as the oone.
Speaker 6: Right, that is correct, You're right, and it grows, so
Speaker 6: you get heat. It grows by the same So on.
Speaker 3: His first second, after his first year of living in
Speaker 3: the home, if he doesn't use it, his line of
Speaker 3: credit for ninety grand will grow by whatever percentage the
Speaker 3: loan is. And if he doesn't use it the second year,
Speaker 3: it'll grow again. That doesn't put money in his pocket,
Speaker 3: but it makes money available more money available. So while
Speaker 3: I had the percentages wrong, I had the concept correct.
Speaker 3: You have a line of credit that sits there that
Speaker 3: you use only when you need it, And Philip, do
Speaker 3: you understand that concept?
Speaker 6: But yeah, and you're exactly right.
Speaker 11: Tomp.
Speaker 3: Philip.
Speaker 4: Do you have any follow up questions?
Speaker 19: Kic, what are the odds that the initial height showing
Speaker 19: hold on hold on shade it down.
Speaker 3: All right, well hold on, you wait and we'll figure
Speaker 3: that out.
Speaker 4: Coming right up.
Speaker 3: And then David wants to talk about hoa's and more.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation in comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three all three seven
Speaker 3: seven to one.
Speaker 4: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Remax Alliance three all three nine two zero
Speaker 3: sixteen twenty two.
Speaker 1: Yeah, rit.
Speaker 2: News, you need advices who you don't have.
Speaker 1: Come running as fast as we can.
Speaker 2: Shooter's gonna help coming, Man.
Speaker 13: Dix is the Troubleshooter Show now, Tom Martine, Hey, Hey, hey.
Speaker 3: Welcome to the show. Three oh three seven one three
Speaker 3: talk three oh three seven one three eight two five five.
Speaker 3: By the way, uh, for those who are technically minded,
Speaker 3: I'm on discord streaming as well right now, but you
Speaker 3: got to be.
Speaker 4: A member and March not allowed, so he can't be
Speaker 4: on there, but anyway, so welcome. I'm Tom Martinez.
Speaker 3: You know, we're talking about using a reverse loan to
Speaker 3: buy a house. So basically, with a reverse loan, you
Speaker 3: have to put down enough money that you have the
Speaker 3: required equity. And let's face it, reverse loans are different
Speaker 3: than regular loans.
Speaker 4: A reverse loan is where you can put.
Speaker 3: Down is where you have a loan for the minority
Speaker 3: share of the house. It's not the majority, so up
Speaker 3: to maybe forty eight percent. So if you have a
Speaker 3: house paid for, you can get forty eight percent of
Speaker 3: that money back, or if you have a loan, you
Speaker 3: can pay off that loan as long as you have
Speaker 3: as long as you don't have more than forty eight
Speaker 3: percent borrowed. If you have less than forty eight percent borrowed,
Speaker 3: like if your house is completely paid off, you can
Speaker 3: have a line of credit going up to forty eight
Speaker 3: percent loan to value. And then what you do is
Speaker 3: you borrow that money up or pay it and you
Speaker 3: can use it as a line or never pay it
Speaker 3: if the part of the credit you don't use grows,
Speaker 3: meaning the capacity to borrow.
Speaker 4: So let's make it easy.
Speaker 3: Let's say you have an expensive home and you have
Speaker 3: one hundred grand available to borrow, and you don't borrow it,
Speaker 3: the next year it'll be one hundred and five grand
Speaker 3: that you have available to borrow. And if you don't
Speaker 3: do that, then you take one hundred and five and
Speaker 3: do your interest again, and it compounds and it gives
Speaker 3: you a bigger line of credit.
Speaker 4: That's what it gives you.
Speaker 3: Now, Am I explaining that pretty correctly? John Clase with
Speaker 3: CMG Financial, Yeah, you're.
Speaker 6: Doing very good. So it basically grows by what you
Speaker 6: now interest rate is yeah.
Speaker 3: Yeah, So a line of credit is one of the options.
Speaker 3: Another one is you could choose to get a check
Speaker 3: every month. Another one is you could choose a lump
Speaker 3: some option, but you will never borrow more than the
Speaker 3: initial amount.
Speaker 4: And whatever the line of credit growth.
Speaker 8: And John, as far as income on a reverse besides
Speaker 8: you know, qualifying for taxes or maybe hoa payments, really
Speaker 8: other than that, you don't have to have income, right,
Speaker 8: I mean it's really made for seniors that have equity built.
Speaker 6: Up, that is correct. It can, Yeah, you don't have
Speaker 6: to have income. And nowadays, if you have the seven
Speaker 6: hundred credit scores, they don't even ask for any income.
Speaker 6: But usually so security. And by the way, that's an insurance.
Speaker 3: And by the way, in addition to that, the you
Speaker 3: know income, it's not income when you draw money out,
Speaker 3: so that that too, So there's no income either way,
Speaker 3: there's no income to qualify.
Speaker 8: That's a good time. So when you pull if you
Speaker 8: borrow that equity. So let's say you know this caller
Speaker 8: has a line of credit. When he pulls out ten
Speaker 8: grand to go whatever, buy a car or something, he
Speaker 8: doesn't pay any income tax on that ten grand at all.
Speaker 6: Correct, that's that's I won't affect any Medicare or Medicaid
Speaker 6: that you have. So it's completely tatt John, can you.
Speaker 8: Do loans because you're with What I love about John
Speaker 8: Tom is he's with the bank. I mean, the underwriters
Speaker 8: are like in the door next to him. You're dealing
Speaker 8: with the guy that's literally giving you the money, not
Speaker 8: a broker. But John, you can do not only this
Speaker 8: kind of loan, but all traditional loans as well, but
Speaker 8: in every single state.
Speaker 6: Correct, that is correct? Yep, we do them all in everything.
Speaker 4: I love it.
Speaker 6: Yep.
Speaker 3: Now, Philip, and since you're the one that had the
Speaker 3: original question, you had some follow up questions on buying
Speaker 3: with a reverse mortgage. Go ahead, Philip, Well, I have
Speaker 3: two now.
Speaker 19: The first one was I wonder the odds of negotiating
Speaker 19: the initial large fee down and how much?
Speaker 4: You know, what do you mean the initial large fee?
Speaker 4: You mean the down payment?
Speaker 19: Told me it would cost me fifteen thousand to get
Speaker 19: the reverse.
Speaker 3: Oh, you're talking about the actual charges. You're talking about
Speaker 3: like the points and the closing costs. You're not talking
Speaker 3: about the amount to put down on the house. You're
Speaker 3: talking about the expense or the cost of the loan.
Speaker 19: Correct.
Speaker 6: And it's well, John, what is mortgage in church?
Speaker 1: Oh?
Speaker 6: Go ahead, sorry.
Speaker 4: John, what are the costs involved?
Speaker 6: Well, for example, itself from mortgage insurance that is the
Speaker 6: most most expensive thing. But it also guarantees that no
Speaker 6: matter what, this line of credit can never go away,
Speaker 6: can never be frozen, he never have to pay it back.
Speaker 6: So the upfront mortga insurance you cannot really negotiate. You
Speaker 6: can negotiate the origination fee, which would be about you know,
Speaker 6: between four and six thousand on something like that. But
Speaker 6: you got to remember, like anything else, if you want
Speaker 6: to pay less there, you're just gonna they're gonna raise
Speaker 6: the margin, which means your rate's gonna be a little
Speaker 6: bit higher. So it's kind of a catch. Twenty two is, yeah,
Speaker 6: you can get it down, but then you're gonna get
Speaker 6: you know, you're gonna have to bring a little bit
Speaker 6: more in. You're gonna pay a little bit higher rate
Speaker 6: or be charged a higher rate. But for Nip on
Speaker 6: something like his loan, the upfront fees would be about
Speaker 6: eleven thousand dollars with title because of the up front
Speaker 6: mortgage insurance fee so on.
Speaker 3: That now nothing out of pocket, and that's built and
Speaker 3: that's built into the loan, right, in other words, that
Speaker 3: that becomes part of the loan. Yeah, but it's still
Speaker 3: eleven brand I understand that. But if he doesn't have
Speaker 3: the cash, it can be built into the loan.
Speaker 6: Correct, correct, And that's ninety nine percent of that. That's
Speaker 6: what happens. And it's it's mainly the mortgage insurance, and
Speaker 6: you get the guarantees that come with the mortgage insurance.
Speaker 6: Like you know, your house, you could never have to
Speaker 6: move out of your house, you never have to make
Speaker 6: a mortgage payment, the line of credit can never be frozen.
Speaker 6: So there's a lot of guarantees for it, especially if
Speaker 6: you think about the costs and if you're going to
Speaker 6: live in that house another twenty years. They're really not
Speaker 6: that bad. But they are.
Speaker 4: Okay.
Speaker 3: And Philip, you said you had two questions.
Speaker 4: What's your other one?
Speaker 19: Well, I forgot.
Speaker 3: That.
Speaker 19: Well, one lender told me I would have to pay
Speaker 19: fifteen thousand up front.
Speaker 3: Well, the John's cheaper. I mean he works directly for
Speaker 3: the bank. Well, it could be it. It could also
Speaker 3: be that we you're quoting, they're quoting different numbers than
Speaker 3: we are. I mean, we didn't get any exact numbers. Philip,
Speaker 3: if you have another question, you're welcome to hang on.
Speaker 4: Miles.
Speaker 3: You have a question while John is on Go ahead, Miles.
Speaker 1: Yeah.
Speaker 18: My question, if my parents get a reverse mortgage, my
Speaker 18: father and mother of both on a deed. If they
Speaker 18: get a reverse mortgage and my father has to go
Speaker 18: into assist in living, can my mother still live in
Speaker 18: the house or will we have to sell the house
Speaker 18: to take care of that loan because he is not
Speaker 18: living in the premises.
Speaker 3: Do you understand are they both going to apply for
Speaker 3: the loan or is only one going to be on
Speaker 3: the loan?
Speaker 6: You know, I'm not sure.
Speaker 18: I'm not sure.
Speaker 3: What's the best way to do it, John Clace, What
Speaker 3: is the best way to do it?
Speaker 6: The best way is you have to do both of
Speaker 6: them have alone, because what they do is no matter what,
Speaker 6: they go off the younger youngest birthday, and so the
Speaker 6: what you qualify for is based off the younger of
Speaker 6: the two bars. And no, she would not happen. Yes,
Speaker 6: she can live there as long as as long as
Speaker 6: she wants. Also, so if he goes into assisted living,
Speaker 6: the loan did not become do she can live there.
Speaker 6: The great thing about it is you can use the
Speaker 6: loan proceed to help pay for assisted living if you
Speaker 6: needed to.
Speaker 3: Hey, how many months a year do you have to
Speaker 3: live in that?
Speaker 8: In other words, if someone had, you know, one house
Speaker 8: with the reverse mortgage and then had a I don't know,
Speaker 8: a condo somewhere else for the winner, I mean, is
Speaker 8: there any rules on how long each year you have
Speaker 8: to stay in the house.
Speaker 6: It's kind of arbitrary, but the rule kind of looks at,
Speaker 6: you know, as long as you're in there a little
Speaker 6: bit over six months per year in this primary house.
Speaker 6: But got it. They don't do reverses on second homes.
Speaker 6: They only do it on primary residents.
Speaker 3: Hey, Miles, how many years apart are your parents?
Speaker 6: Well, my mother is eighty eight, my father's ninety.
Speaker 3: Yeah, so they would both would both be on it,
Speaker 3: and she'd and and there's no difference. She they would
Speaker 3: qualify her base on her age and they'd get the
Speaker 3: max amount available at that age. And then if something
Speaker 3: happens to him, she still continues in the house.
Speaker 4: If something happens to her, he still continues.
Speaker 18: Okay, yeah, because we definitely have to put him into
Speaker 18: uh skilled nursing. So we're just trying to figure out
Speaker 18: the best way to do it and pay for it.
Speaker 8: That's how a lot of people do it. They get
Speaker 8: that line of credit and use that money exactly like that.
Speaker 3: So, Miles, thank you. I got to take a break.
Speaker 3: Three on three seven one three talks seven one three
Speaker 3: eight two five five more coming right up. Go with
Speaker 3: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content. Time for
Speaker 3: an insurance check up free, no obligation. In comparison, call
Speaker 3: Compass insurance paying too much your coverage at dozens of
Speaker 3: insurance companies find out now three oh three seven seven
Speaker 3: one help. You'll think you're his only customer when you
Speaker 3: choose Frank Durand the real estate Man dot com to
Speaker 3: list your home with Remax Alliance three oh three nine
Speaker 3: two zero sixteen twenty two. Hi Tom Martino your three
Speaker 3: O three seven one three talk seven one three eight
Speaker 3: two five five.
Speaker 4: I want to uh.
Speaker 3: Get this special out. Nick Gravine has been with.
Speaker 8: Us hold on top one second I've had when three
Speaker 8: people asked for John's info. We never gave out his
Speaker 8: number or his website Partner in Lending dot com, Partner.
Speaker 3: In Lending dot com CMG Financial, and the number is
Speaker 3: three oh three five seven seven seven two zero six.
Speaker 4: So Nick Gravine is with us. Nick the Home show special?
Speaker 4: What are you giving?
Speaker 6: You know right now?
Speaker 5: Since the Home specials going on, We're gonna give off
Speaker 5: two hundred and fifty dollars off any like vinyl or
Speaker 5: composite windows and three fifty off any like wood clad
Speaker 5: type windows right now until Friday.
Speaker 1: Nice.
Speaker 4: Are you talking about two fifty off each window?
Speaker 5: Yep, every window?
Speaker 3: And then wood clad or would when you say woodclad
Speaker 3: you mean wood that are clad on top of the wood.
Speaker 5: Right Usually, yes, we do do wood on wood though,
Speaker 5: so you know wood windows, woodclad.
Speaker 3: Three point fifty off each window till the end of
Speaker 3: the week. Correct, and that is three oh three. The
Speaker 3: number is three oh three Gravina g r A v
Speaker 3: I N A. I love that goo three oh three
Speaker 3: Gravina the website gravinas dot com. Philip has one more
Speaker 3: question on that reverse long, go ahead, Philip.
Speaker 19: Let's let's say I get the house. If the house
Speaker 19: is damaged, are destroyed, but it's fully covered, than what.
Speaker 3: First of all, it would be totally covered because they
Speaker 3: would make sure you have enough insurance. Yeah, you'd have
Speaker 3: to have that covered. That's part of the requirement. But
Speaker 3: let's just go to the obvious. Let's just say you
Speaker 3: have some kind of deficiency, whether it be an insurance
Speaker 3: or loan or any reason. For any reason, you're never
Speaker 3: held personally responsible.
Speaker 17: Ever, I don't know what you mean.
Speaker 3: Well, here's what I mean. Let's say the house goes
Speaker 3: down in value and you can't sell it for what
Speaker 3: the balance of the loan is, or you need to
Speaker 3: go into a nursing home, and your family gets the
Speaker 3: house and the loan has a crued to three hundred thousand,
Speaker 3: and the house is worth one hundred thousand. No one
Speaker 3: can go after you for the deficiency, nor can they
Speaker 3: go after your estate. Now, let's say your house burned
Speaker 3: down and for some strange reason the insurance company went
Speaker 3: out of business or you didn't have enough insurance, which
Speaker 3: likely will not happen, but let's say it does and
Speaker 3: you can't rebuild the house, or you can only rebuild
Speaker 3: half of it, or you can't rebuild.
Speaker 4: Any of it.
Speaker 3: No one can come after you for a dime. You
Speaker 3: are free and clear.
Speaker 19: Okay, So, yeah, money, I would getting money from insurance
Speaker 19: then for the destruction.
Speaker 10: Of the house.
Speaker 3: Now, if your scenario, which will not happen, happened, then
Speaker 3: you would be even You're right, you would not be
Speaker 3: able to get your original down payment back. But with
Speaker 3: a reverse loan, one of the requirements is homeowner's insurance
Speaker 3: to replacement value. Okay, so you would never end up
Speaker 3: with a house you could not rebuild theoretically, So anyway,
Speaker 3: that's it. Philip three all three seven one three talk
Speaker 3: seven one three eight two five five David, what's going
Speaker 3: on in your life? I'm sorry you had the way
Speaker 3: you have an hoa question.
Speaker 16: David, Yeah, thanks for taking the call. Hey, my mother
Speaker 16: in law, David has owned the house for twenty five
Speaker 16: years and she's trying to sell it now. Well in
Speaker 16: doing so, she has a buyer that's under contract, and
Speaker 16: his realtor did a title search and apparently at some
Speaker 16: point in time there was a declaration of covenants and
Speaker 16: restrictions that was here on this property, and I think
Speaker 16: it was prior to this house being built, which was
Speaker 16: built in two thousand. It was the first one in
Speaker 16: the subdivision. But there has never been an HOA here
Speaker 16: or any dues or anything like that, no meetings, no, nothing.
Speaker 1: So now the.
Speaker 16: Prospective buyer is worried that there's an HOA somewhere that's
Speaker 16: going to pop up and start charging fees or something.
Speaker 16: How would you recond dealing with it?
Speaker 3: Did the title company uncover these covenants?
Speaker 18: Yes?
Speaker 4: And are they recorded?
Speaker 16: Apparently so yes?
Speaker 4: Okay, covenance indeed restrictions right.
Speaker 16: Yeah, it's uh covenants and restriction declaration of covenants and restrictions.
Speaker 3: Right, not unheard of on now and and now someone
Speaker 3: is saying, well, wait a minute, if there are covenants
Speaker 3: and restrictions, there's probably an HOA somewhere that I don't
Speaker 3: want to be part of correct. Okay, is there an
Speaker 3: HOA anywhere that the type company? Is there an HOA
Speaker 3: anywhere that the title company can find?
Speaker 6: No?
Speaker 4: Okay? So what they're going to have to do is
Speaker 4: just take a chance.
Speaker 3: I've had properties I've purchased where there was a dormant HOA.
Speaker 3: Now I will say, if there are recorded by laws anywhere,
Speaker 3: you should go to the county and see if there
Speaker 3: are HOA bylaws or anything recorded anywhere at the state
Speaker 3: or anywhere. Those by laws could be picked up by
Speaker 3: a number of people who live there, and they could
Speaker 3: theoretically resurrect an hoa, but that would be almost as
Speaker 3: difficult as starting a HOA. So this person is looking
Speaker 3: for trouble. In other words, you can tell the buyer, hey, listen,
Speaker 3: the chances of an old HOA being resurrect did is
Speaker 3: about the same as a bunch.
Speaker 4: Of homeowners getting together.
Speaker 3: In fact, it would be easier for a bunch of
Speaker 3: homeowners to get together and form a new one.
Speaker 4: So how many homeowners are in the subdivision?
Speaker 16: Oh, probably seventy five ish, And are all.
Speaker 4: The homes built? Yes, okay, So then the.
Speaker 16: Two of the houses next door do not even show
Speaker 16: this on their beat it all.
Speaker 3: Okay, that's just because this person their title company did
Speaker 3: a more thorough search. But what I'm getting at is this, David,
Speaker 3: you have you said about seventy five owners roughly?
Speaker 4: Yes, okay, Now.
Speaker 3: Those owners are there, No one's going to build a house,
Speaker 3: so covenants. I guess what would happen if a neighbor
Speaker 3: wanted to paint their house purple or you know, shartruse.
Speaker 3: Is there anyone that would come forward in protest? Do
Speaker 3: they ever have any meetings?
Speaker 12: No?
Speaker 16: Okay, there's never no meeting here whatsoever in this get
Speaker 16: five years.
Speaker 4: She's been there. Now do they have common area?
Speaker 16: There is a small park that is maintained by the city.
Speaker 4: Well, then it's not common area. So what I'm saying
Speaker 4: is they've never collected a do ever?
Speaker 6: Nope?
Speaker 18: Never?
Speaker 3: Okay, you just have to disclose that to the buyer
Speaker 3: and if they don't want to take the chance, don't
Speaker 3: take the chance.
Speaker 4: That's it. It's that easy. I mean, like I said, if.
Speaker 3: There's no homeowners anywhere, I would look at the state
Speaker 3: lefts to see if there's a corporation in the name
Speaker 3: of the subdivision or whatever, and if there's not, ask
Speaker 3: the title company to search. Well, why would you can
Speaker 3: tell the seller?
Speaker 4: It's common sense, it's common sense.
Speaker 3: Why couldn't he get it off there?
Speaker 1: Though?
Speaker 8: If there is nothing out there and no one can
Speaker 8: actually show that there's ever been in HOA, there's no
Speaker 8: documents for the HOA, there's no organization period, why couldn't
Speaker 8: they just drop that?
Speaker 3: Because they're separate and apart from the HOA. Covetence and
Speaker 3: deed restrictions are separate documents, That's what I'm saying.
Speaker 8: But you're saying there's no there's no way to get
Speaker 8: rid of that deed restriction.
Speaker 3: No, okay, not not really No, I guess wait a minute,
Speaker 3: I don't think so, because, first of all, it has
Speaker 3: no effect on the deed none. The house is already built.
Speaker 3: I mean, first of all, David, if the title company
Speaker 3: uncovered covetence and deed restrictions, what are they?
Speaker 4: What are they?
Speaker 6: Oh?
Speaker 16: It's several pages of stuff here, And I'm wondering if
Speaker 16: it was put together prior to the subdivision being built
Speaker 16: as guidelines to the builder. Well, it was about fees
Speaker 16: and restrictions, and it talks about association and all of
Speaker 16: this stuff. But there was never ever a homeowner's association
Speaker 16: that was actually ever developed.
Speaker 3: Look, it's it's an orph we call them orphan documents. Okay,
Speaker 3: I don't know if you can have them removed. Maybe
Speaker 3: it can. But this happens all the time that homeowners'
Speaker 3: associations are started, let's say, by the developer and restrictions,
Speaker 3: and the homeowners never pick it up ever. And that's
Speaker 3: all there is to it. I mean, as I said,
Speaker 3: any group of homeowners can get together and do anything
Speaker 3: they want. So the seller or the buyer asking, wait
Speaker 3: a minute, what's to prevent this HOA from now all
Speaker 3: of a sudden taken over? The answer is nothing. The
Speaker 3: same answer would be this, what would prevent seventy owners
Speaker 3: or sixty five owners getting together and forming an HOA?
Speaker 4: The answer is nothing.
Speaker 3: I In other words, but in that second case, you
Speaker 3: wouldn't have to be a part of it if you
Speaker 3: live there currently, right, Yes you would, if you had
Speaker 3: seventy five percent or more, you would, there are certain
Speaker 3: It depends.
Speaker 4: On the laws.
Speaker 3: Actually I shouldn't say that, because you're right, Mark, they
Speaker 3: can't just haphazardly rope you into it.
Speaker 8: Yeah, but if you but but yeah, it depends would
Speaker 8: think you could go to a judge and get that
Speaker 8: trapped off.
Speaker 6: I mean, I have no.
Speaker 3: Idea, but it would be a fast to call it
Speaker 3: quiet title action. What Well Marc is talking about is
Speaker 3: a quiet title action. What it means is there's no
Speaker 3: one to sue and there's no other person involved. It's
Speaker 3: a quiet title action that you ask the courts to
Speaker 3: remove it because it means nothing. You could inquire about that.
Speaker 3: Let's say we could if we have enough time to
Speaker 3: get Brad O'Brien, maybe he can come on the last
Speaker 3: few minutes of the show. Of course, we have even
Speaker 3: more than that, so have him come on and we'll
Speaker 3: figure it out. Three oh three seven one three talk
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three Having
Speaker 3: seven to one help, you'll think you're his only customer.
Speaker 3: When you choose Frank durand the Real estate Man dot
Speaker 3: com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two.
Speaker 4: I'm Tom Marshin.
Speaker 3: I your troubleshooter three all three seven to one three talk.
Speaker 3: I want to go to Brad O'Brien real quick and
Speaker 3: Brad O'Brien is a real estate attorney real estate firm
Speaker 3: O'Brien Legal Services olslaw dot com. Hey, Brad, I just
Speaker 3: want to lay this out pretty simply. So, in a
Speaker 3: title search in a subdivision of about seventy five homes
Speaker 3: twenty five years or older subdivision, they're getting ready to
Speaker 3: sell their house and on a title search, the sellers
Speaker 3: discover that there are covenants and deed restrictions and a
Speaker 3: whole bunch of stuff, you know, like the covenants for
Speaker 3: the whole subdivision. Yet they have never been in force.
Speaker 3: There's never been an hoa, never been a doing. So
Speaker 3: the buyer says, wait a minute, what's going to prevent
Speaker 3: an hoa from being resurrected? Since there's covenants in deed restrictions,
Speaker 3: there must have been an hoa sometime. What's going to
Speaker 3: prevent them from being reignited or resurrected and start collecting dues.
Speaker 3: My answer would be that's the same as you ask, well,
Speaker 3: what would prevent seventy five owners from getting together and
Speaker 3: deciding to.
Speaker 4: Form a new HOA.
Speaker 3: I mean, I guess there's no sure things in life.
Speaker 3: But what would your answer be to the buyer concerned
Speaker 3: about a resurrected HOA.
Speaker 20: Well, it is possible that the HA could be resurrected,
Speaker 20: even though it's dormant right now. The covenants that were
Speaker 20: recorded over twenty five years ago, those are tasked to
Speaker 20: the title of each house in that community, and they
Speaker 20: passed from seller buyer each time it sells, so they're
Speaker 20: still there until until they potentially expire.
Speaker 3: Yeah, but the covenance indeed restrictions in and of themselves
Speaker 3: do not form an h o A. They just nor
Speaker 3: do they ask for dues or anything else. So we
Speaker 3: have two separate things, an h o A with their
Speaker 3: bylaws and covenance and deed restrictions, which are usually adopted
Speaker 3: by an h o A. What I'd like to know
Speaker 3: is this, in order to resurrect an h o A,
Speaker 3: wouldn't they have to find it?
Speaker 20: Well the recorded covenants, Uh, those exist already. And if
Speaker 20: if there's nothing, there are no bylaws right now that
Speaker 20: that exist. The common the Colorado Common Interest Ownership Act
Speaker 20: called KIOWA, governs in lieu of actual documents that provide
Speaker 20: for how to manage a unity. So the homeowners right
Speaker 20: now can look to KIOWA for what would apply. Uh,
Speaker 20: you know what what applies now? Because there isn't anything
Speaker 20: in writing about a nature wig operating.
Speaker 6: At this point.
Speaker 3: Hey, Brad, Brad, So my my assertion or my my
Speaker 3: my theory that it's would be the same as them
Speaker 3: saying let's form an ho A. Yeah, but you can't
Speaker 3: form a new one and force people into it, can you?
Speaker 4: Mark? Mark? Just hold on, he just talked about KIOWA.
Speaker 3: Now, Brad, if they could not find the old corporation
Speaker 3: or the old bylaws and they wanted to form one,
Speaker 3: what Mark says is, how would that affect this guy
Speaker 3: that they bought the house? What if they all want
Speaker 3: to form them but there's some that don't.
Speaker 20: Uh, Well, KIOWA provides for how to get an association going.
Speaker 20: All of the all of the properties in this community
Speaker 20: are are potentially subject to in HA forming because they
Speaker 20: eviinitely share they have some common company owned land that's owned.
Speaker 8: Well, well, Brad, hold on, I just want to say
Speaker 8: what he said. The caller, and I'm going to pull
Speaker 8: him back up if I'm wrong. But on some he said,
Speaker 8: some of the other properties, like his neighbors, they do
Speaker 8: not have deed restrictions.
Speaker 3: He did not say Mark, He did not say they
Speaker 3: don't have deed restrictions. He said that their title search
Speaker 3: did not show the same deed restrictions or covenants. That
Speaker 3: could be merely a negligent search.
Speaker 20: Well, kaiwa applies when you've got properties, separate properties that
Speaker 20: have some common land owned between them, for example a
Speaker 20: road or an entrance way.
Speaker 3: Yeah, but what he's saying, David's saying there is no
Speaker 3: common property none, zero.
Speaker 6: No.
Speaker 16: The city, the town of birth that maintains the streets
Speaker 16: and the little park is maintained by the city, and.
Speaker 3: There are no bridal paths, there are no easements or
Speaker 3: anything that is owned by.
Speaker 4: Okay, okay No.
Speaker 20: Well, perhaps this is a clean up operation where you've
Speaker 20: got recorded documents from a long time ago to have
Speaker 20: some covenants that have something to talk about.
Speaker 6: In the association.
Speaker 20: Perhaps these rists could get together to sign something that
Speaker 20: officially makes them go away permanently.
Speaker 3: Could they do a quiet title action and get it
Speaker 3: off of the deed.
Speaker 20: Yeah, that would that would be one route if they
Speaker 20: can't get unanimity, that may be required to terminate the
Speaker 20: covenants that.
Speaker 18: Are of record.
Speaker 3: So, David, what did you say, did they have it
Speaker 3: or not have it? Or you have no idea.
Speaker 16: The neighbor we talked to last night says, know they
Speaker 16: have never ever seen this document when their dad bought
Speaker 16: that house next door.
Speaker 4: David, Okay, how many times can I say this?
Speaker 3: That doesn't mean it doesn't exist. It is a matter.
Speaker 3: I have seen three title searches from three title companies
Speaker 3: that are different. Brad. Would you explain that please, that
Speaker 3: it's possible even if the neighbor said, well, one, my
Speaker 3: dad bought this property, we never saw that. What would
Speaker 3: that mean to you? Brad? Yeah?
Speaker 20: Most buyers in Colorad don't do not look at the
Speaker 20: title when they when they buy it. It just sort
Speaker 20: of gloss over it. They figure that if the someone
Speaker 20: must have good title, so there's nothing really to look
Speaker 20: at it. Now, I as an attorney, when I'm retained
Speaker 20: by a buyer to help with a purchase, I look
Speaker 20: at title and see what's out there. So you know,
Speaker 20: if I represent a buyer, I would know that I
Speaker 20: would find that.
Speaker 3: There are no no, And I get where Mark's going.
Speaker 3: He's thinking, because a title search may have been done
Speaker 3: on an age twenty five years ago or ten years
Speaker 3: ago or five years ago, that it's that it's set
Speaker 3: in stone, and it's not.
Speaker 8: There are things missed all the time. Moretly, what I
Speaker 8: was thinking is, I don't know when this guy's house
Speaker 8: was built. Let's say some of the homes there were
Speaker 8: built by one builder thirty five years ago and they
Speaker 8: had every intention of having an hoa. Then it got orphaned,
Speaker 8: no one ever did anything, and then independent builders came
Speaker 8: in and actually built lots and stuff that would never
Speaker 8: have that hoa in those documents attacked.
Speaker 3: Yes it would, Yes, it would mark what you don't understand,
Speaker 3: deed restrictions are filed on the plat and they would
Speaker 3: be part of that lot, whether they know it or not.
Speaker 3: If it's a if it's a recorded deed restriction, and
Speaker 3: it's a recorded covet in it's done on the subdivision,
Speaker 3: and whether a new builder came in or his uncle
Speaker 3: or neighbor came in, it would still be part of
Speaker 3: that land. You don't just willy nilly decide it's not
Speaker 3: part of it. Brad was trying to say that it
Speaker 3: becomes part of it. It is recorded against it. The
Speaker 3: fact that they don't find it in a search doesn't
Speaker 3: make it nonexistent.
Speaker 20: Yeah, that's what title insurance is for. So if if
Speaker 20: the title company missed finding a covenant, it was recorded
Speaker 20: a long time ago, and then somebody tries to use
Speaker 20: that covenant against against the help the purchaser, that purchaser
Speaker 20: could go to their title insurance and make a claim.
Speaker 4: That's right.
Speaker 3: If the title insurance missed it, that's right. But I,
Speaker 3: for one, I don't believe what David's neighbor heard from
Speaker 3: the neighbor. I just don't believe it unless you actually
Speaker 3: see the search. But again, the search doesn't determine the existence.
Speaker 3: The search just determines the quality of the search. We
Speaker 3: have more coming up. Go with a sure thing Denver's
Speaker 3: Best Roofer Excel roofing dot com. You don't pay a
Speaker 3: cent until you're content. Time for an insurance checkup free,
Speaker 3: no obligation. Could comparison call Compass insurance paying too much
Speaker 3: your coverage at dozens of insurance companies find out now
Speaker 3: three oh three seven seven one help You'll think you're
Speaker 3: his only customer when you choose Frank durand the Realestateman
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two