Attorney Ursula Woods & Attorney Monika Johnson

We're "Asking the Experts" with Attorney Ursula Woods and Attorney Monika Johnson on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:03):
Memphis probably presents the Ben Johnson Show.

Speaker 2 (00:08):
Let me say, Beth, I've got.

Speaker 3 (00:13):
Me sis.

Speaker 4 (00:17):
Let make you say she's gone Memphis ogain.

Speaker 5 (00:28):
No matter of the problem, she can have so all
the phono.

Speaker 6 (00:36):
Norma your mind.

Speaker 4 (00:38):
She understand Jimmy reading in the hair by challing.

Speaker 7 (00:43):
You to just keep.

Speaker 5 (00:45):
Them when around picking up the Johnson Show.

Speaker 7 (00:52):
Because we got out gay happen you can hear every
day you d I ha.

Speaker 5 (01:02):
My bell got me a missed king.

Speaker 4 (01:48):
Good morning, good morning, good morning, and welcome into w
d i A The BEV Johnson Show. It is in
aded a pleasure to have you with us once again
on this Wednesday hump Day, February twelfth, twenty twenty five.

Speaker 7 (02:08):
Enjoyed this fabulous day to day. Well, put your ears on.
The sisters will be back in the house.

Speaker 4 (02:16):
I'm talking about Attorney Ursula Woods, Attorney Monika Johnson from
preferred title Escrow, the Bankruptcy Firm, and nine oh one
carwreck dot Com. We'll be in here to answer your
legal questions as we ask the experts.

Speaker 7 (02:34):
When it's your turn to talk, all you need to
do is dial these.

Speaker 4 (02:38):
Numbers five three, five, nine, three four to two. That's
Area code nine oh one eight hundred five zero three
nine three four two eight three three five three five
nine three four two will get you.

Speaker 8 (02:55):
In to us.

Speaker 4 (02:59):
And if this day, this day, Wednesday, February twelfth, twenty
twenty five, is your birthday.

Speaker 7 (03:14):
Happy birthday to each.

Speaker 4 (03:16):
And every one of y'all out there who may be
celebrating a birthday on this day, we say, God, y'all
go out and celebrate your life. Yeah better, You're better.
When we come back, we'll ask the experts, and they
are Attorney Ursula Woods an attorney Monika Johnson. Next with me,

(03:41):
Bev Johnson on the Bev Johnson Show only on Double
you d I A M.

Speaker 7 (04:52):
Good morning and welcome back to w d i A.
The Beth Johnson Show.

Speaker 4 (04:57):
It is indeed a pleasure and privileged to have you
with us once again on this rainy all It's rainy
Wednesday in Memphis, Tennessee, February twelfth, twenty twenty five. Enjoyed
this fabulous day to day back in the house with me.
As we asked the expert, she is here, I like

(05:17):
to say, my sister friend, it's Attorney Ursula Woods from
preferred title and xcrow the bankruptcy firm and nine oh
one carwred dot com.

Speaker 9 (05:30):
Good morning, sister, Good morning, sister.

Speaker 5 (05:34):
How you doing.

Speaker 7 (05:35):
I'm doing well today. How are you?

Speaker 5 (05:37):
I am doing well.

Speaker 9 (05:38):
I'm doing well in yourself.

Speaker 5 (05:39):
How you doing?

Speaker 7 (05:40):
I'm doing okay. I'm hanging in here.

Speaker 10 (05:42):
See Troy wasn't in the playoffs. You are right, I mean,
it wasn't in the super Bow.

Speaker 4 (05:46):
I know, I'm okay. But you know what, Attorney Ursula,
I rooted for the Eagles, so, oh you did?

Speaker 7 (05:52):
I did kay the Eagles. So I rooted for the Eagles.

Speaker 4 (05:54):
Now they wasn't there, but I was rooting for the Eagles,
and the Eagles got the I mean the Eagles, Oh
they could up.

Speaker 10 (06:01):
They did, they did, I know, right, and we were
very happy about, you know the fact that they got
in there. They won slam dunk. We didn't have any questions. Right,
numbers don't lie, as.

Speaker 4 (06:12):
They say exactly. So I was happy for them and
happy for the quarterback.

Speaker 5 (06:18):
First black woman coach, female code.

Speaker 9 (06:22):
Come on, now, black.

Speaker 10 (06:23):
History, I don't care what Google say. We celebrate were
still clear, you know what.

Speaker 7 (06:28):
That's what I said.

Speaker 4 (06:29):
We are still going to celebrate black history because baby
Sunday history.

Speaker 9 (06:34):
It really was. It really was, even down to the
symbolism and everything.

Speaker 10 (06:38):
You know, some people loved the Super halftime show, some
people didn't, but either way, we were celebrated and we
were honored to be able to have all the symbolism.
And it's a way for us to take our power back,
you know, because we are in crazy times.

Speaker 9 (06:52):
Honey, we are in the craz z crazy.

Speaker 4 (07:00):
We're going to keep on keeping on and hey, we're
gonna do what we have to do each and every day,
and we share how to live our best life until it's.

Speaker 10 (07:08):
No you know, and then we can also be the
change that we wish to see in our community. We
don't always have to succumb to what they said, because
you know what makes me sad is when people really
disparage Memphis and say things that are negative. And we
do have our challenges do but I think that we all,
you know, everywhere we go, we have challenges. It doesn't
matter the city, big or small, people are going to

(07:29):
have their challenges. So to be able to support our
local our local people is important to me. Let's spread
some positivity about the nine oh one.

Speaker 7 (07:38):
That's right, that's right, well as always we need to
start off with that. I have to say famous.

Speaker 5 (07:44):
It's soap bots our famous.

Speaker 10 (07:46):
So number one if you want to watch the show,
and if you're on Instagram, if you go to Bankruptcy
Law Firm, if you go to the Bankruptcy Law Firm,
that's literally the name of the Instagram name. Go to
Instagram bank Grubs Law Firm. You will be able to
see me, Attorney Ursula Woods. You will also be able
to see Monika Johnson and of course the world famousness

(08:08):
bev of Johnson.

Speaker 9 (08:09):
So please tune in and please follow because we need
to get our light count up. All right, that was
my little shameless plug.

Speaker 10 (08:16):
But what I want to talk about for our soapboxes
this is we have Valentine's Day that is coming up
on Friday, and many of us are in relationships, and
then many of us are not. And I want to
talk to the ones that are not in a relationship
because I don't want you to use this one day
out of three hundred and sixty five days to feel

(08:38):
as though you are now anything less than a child
of God. Right does not matter if you're with your
significant other or you're insignificant other. I think let's utilize
this day as a day of love, and it's also
to love ourselves because many of us are in relationships
and really and truly we would be doing better by ourselves.

(09:00):
Let's not just look at someone else from the outside
and think, oh wow, their life is perfect. Now on
the flip side, somebody they may have a genuine connection
with their spouse or their significant other, and let's celebrate that.
But right now, I'm just talking to you. So you
may say, well, still Valentine's Day. What am I going
to do on Valentine's Day? You know if I'm alone? Well,

(09:20):
number one, you have yourself and the one thing that
you can do with yourself is learn how to love yourself.
So if you have time on Valentine's Day, I have
an itinerary for you. So once work is done on
that Friday, or shall I say, even today, I want
you to start planning to go out on a date
with yourself.

Speaker 9 (09:39):
What does that look like?

Speaker 5 (09:41):
It looks like this.

Speaker 10 (09:42):
Ask yourself what makes you happy? What is one activity
that you can do that brings you joy? And then
I want you to plan that activity. So you may say, well,
you know, I really love to go swimming. Well, if
you really love to go swimming. When was the last
time you went swimming? You may say, Earth, where am
I gonna go swimming on a Friday at four o'clock pm? Well,

(10:06):
the YMCA has indoor pools, So call around find out
community centers have indoor pools. Some of them are free,
and then some of them may have a one week
pass or one day pass.

Speaker 5 (10:18):
That you can sign up for. You may say, well,
you know, I always wanted to learn how to you know, paint.

Speaker 9 (10:23):
I see those paint and SIPs.

Speaker 10 (10:25):
Look at one eleven Madison, Downtown, Memphis, Tennessee. Let's explore
the things that you enjoy. Oh, I always wanted to
go to Italy and Ursula. Think you saying I should
buy a ticket? Nope, But I tell you something about YouTube.
Go to YouTube google Italy. Pop over a bottle of
wine or have a great glass of water if you want,

(10:47):
and you sit there and you have a date with
yourself in Italy and allow yourself to truly be meshed
in that moment. I'm talking about. Order you an Italian meal,
you know, do a door dash or cook one yourself.
You could even make it a cooking day where you
YouTube how to make a traditional Italian pasta, go to
the grocery store, get all the ingredients you have to

(11:08):
eat anyway, and then making a traditional Italian meal. As
you watch the scenes in Italy, you know there are
so many options right at our fingertips that we can
explore to make ourselves happy. You may say, well, how
do I make myself? Are there any other ideas? Of course,
why not make Friday? Even in a self help day?
Why not get a book? So, since we're talking about books,

(11:30):
that I thought I got some ideas, all right, So
I just hung up with Bishop Porter, Bishop Brandon Porter,
that is a staple in our community within the Kojak Church,
and he was sharing with me about a book that
he wrote, the Wisdom of Enough, The Wisdom of Enough.
So shout out to Bishop Brandon Porter if you all
can get his book, run, don't walk, and go get

(11:52):
that book. But one of the things that Bishop Porter
was sharing with me was about the knowledge of being
like a tree, you know, planted by the water, you know,
always producing fruit. Right, and if you follow the Bible,
then you'll understand that principle. But even if not, the
basic principle is we're like a tree, just planting by
the water because we're constantly being nourished.

Speaker 9 (12:13):
So even though it may be times.

Speaker 10 (12:15):
Of drought, if we're planning by the water, then we
have a source that's other than what we see with
our eyes because it's coming up from the ground. So
then when you're constantly being water, then you know that
that tree and also biblical that you know a tree
by its fruit.

Speaker 9 (12:28):
And so one of the things that.

Speaker 10 (12:29):
Bishop Porter share with me was and was really impactful,
and it kind of just like stopped me in my tracks,
which is he said, I've never seen a tree eat
its own fruit. Right, so he's never seen a tree
eat its own fruit, meaning that the gifts that God
has given us, the gifts that we have inside of us,
is not just for our own selfish purpose, but it

(12:49):
is for us to be able to be a blessing
to others. So I encourage those within the sound of
my voice to remember that the gifts that you have
is to serve others. And so when you're and out
and you're depressed, one of the reasons why is because
you're only looking at your current circumstance. Look beyond your
circumstance and look to give your use your gift to

(13:10):
be able to use it for the world. And so
with that said, if on Friday you say acts of service,
it's something that you enjoy. Take one of your gifts
and then bless another person with it. If you have
the gift of conversation. I have elderly clients that would
love for you to call them because I talked to
some of them on a weekly basis. You know, call Auntie,

(13:30):
you know the great one, Nah, not that one, the
one they live in Detroit, that you hadn't talked to
in a while.

Speaker 9 (13:35):
Call her, check on her.

Speaker 10 (13:36):
See how she's doing. It's Valentine's Day for her as well.
So when you're talking about reaching out during Valentine's Day,
put a smile on somebody else's face and be patient
when you call our elders, right because they want to
ramble and they want to share the story that they've
always shared.

Speaker 5 (13:52):
Just sit and listen.

Speaker 10 (13:53):
So I could go on and on about ideas for
Valentine's Day, but I just want those who are single
to be encouraged that you do have options.

Speaker 5 (14:00):
You do have options.

Speaker 9 (14:01):
Oh and I see you.

Speaker 5 (14:02):
All joining the live on Instagram.

Speaker 10 (14:05):
Hello to all of my bev Johnson listeners who have
joined the bankruptcy law firm. Let me show you all
miss Bell herself. This is miss Bev Johnson. All right, okay,
so that's my soapbox.

Speaker 2 (14:18):
That is what I have to say.

Speaker 10 (14:20):
If from Valentine's Day you don't have a date, make
it about yourself and.

Speaker 4 (14:24):
Make your yeah, love on yourself, on yourself. Hey, you
know what one of my my affirmations to turn your suit.
Be your own best friend.

Speaker 10 (14:35):
Be your own best friend real, Okay, so tell me
how how does that look for you?

Speaker 2 (14:40):
BEV?

Speaker 4 (14:41):
That looks for I'm gonna I'm gonna love on me.
I'm gonna take care of me. I'm gonna do what's
best for me. If no one else loves me, I
love me.

Speaker 9 (14:52):
That's right.

Speaker 7 (14:53):
So be your own best friend.

Speaker 10 (14:56):
And ladies, this is somebody who got who has a
significant other too. You don't like listen, so you can
still be in a relationship. You still love yourself.

Speaker 7 (15:06):
Still love yourself. You better because all the time relationships
don't last. Don't worry, don't and.

Speaker 9 (15:16):
It's okay.

Speaker 7 (15:18):
Be your own best friend.

Speaker 3 (15:20):
You know.

Speaker 4 (15:20):
It turned out to be some of these young women,
and I've talked to it so they're out of a relationship.

Speaker 7 (15:25):
It's like and they rushing into another one.

Speaker 4 (15:28):
Look, learn to love yourself and what what it is
you like about yourself and love about yourself, what you're
gonna take or not.

Speaker 7 (15:34):
You can get another relationship.

Speaker 10 (15:37):
Because one thing is guaranteed. The one person that you
take with you into every single relationship is you. You
better get to know. And guys, let me tell y'all.
Some y'all out here spewing all the crazy. Go to
YouTube and put your symptoms inside of YouTube. You know,
they say I talk too much, they say I cut
people off, they say I'm rude, whatever the negative is.

Speaker 5 (16:00):
Put that into YouTube and watch it. Come back with
videos to help you.

Speaker 10 (16:04):
Put it in chat GBT untel chat GBT suggests some
videos for me to watch to improve these areas of me.
If you get an annual review, and I know we
give our annual reviews, nobody wants to trust the annual review. Listen,
y'all better trust the annual review. This is somebody looking
from the outside end telling you what's going on. Put
that in chat GPT and find out ways for you

(16:27):
to improve on your job and personally. You can work
on that and also shout out to Nakisha Green at
Pedals Studio.

Speaker 9 (16:36):
I was invited, Beth. You know, I got my Bev
Johnson on y'all.

Speaker 10 (16:39):
So I was invited to speak at a Gallentine's Day
event on Saturday, and it was phenomenal, Bev.

Speaker 9 (16:48):
Everybody loved it.

Speaker 10 (16:49):
I felt really good when you know, they say, we're
not supposed to love external validation, but it felt good,
you know, being able to have people say I did
a good job because I put my heart into that speech.
But I talked to them about let them, meaning the
same thing that you're saying, which is allow people to
be who they are and then you focus on what
you need to make you happy and what your boundaries are.

(17:12):
And so we talked about that. So with that said,
we're going to have a book club. So if anybody
has read the book, let them by mail Robbins. We
are going to have a book club meeting on March eighth.
On March eighth, so make sure you go to the
social media platform a bankruptcy law.

Speaker 5 (17:28):
Firm and we will have it there.

Speaker 10 (17:30):
More information there in the coming days talking about a
book club. But the book that we're reading is called
Let Them by mail Robbins. It's gonna be a free
book club meet up, but I will share more once
we get more details. And shout out to Kim C.
She's a realtor. And then Bev, I've been told to
have Queen of Leverage, she said, Hey Bev, Hello queen.

Speaker 9 (17:55):
Queen of leverage, as well as Snap Hello Snap.

Speaker 10 (17:59):
So any who such want to give a shout out
to those that love us and love you too, so
and don't forget book Club March eighth is called let
them by mail Robbins.

Speaker 5 (18:08):
More details to come on the location of the book club.

Speaker 7 (18:12):
Sounds good.

Speaker 9 (18:12):
I love that soapbox.

Speaker 5 (18:14):
Thank you.

Speaker 7 (18:15):
We're gonna take a break and to come back.

Speaker 4 (18:16):
Attorney Ursula Woods gonna get into her topic of conversation
this day and we will let you know when it's.

Speaker 7 (18:23):
Your turn to talk.

Speaker 4 (18:24):
Nine zero one five three five nine three four two
eight hundred five zero three nine three four two eight
three three five three five nine three four.

Speaker 7 (18:35):
Two will get you into us. If you can't call,
you can email me your question.

Speaker 4 (18:41):
And already, Attorney Ursula, I have an email for you
at Bevjohnson at iHeartMedia dot com. Bev Johnson at iHeartMedia
dot com.

Speaker 7 (18:53):
You can ask your question for Attorney Ursula Woods. You're
listening to double.

Speaker 5 (18:59):
You d i A The BEV JSN Sial.

Speaker 2 (19:15):
Don't go away.

Speaker 1 (19:16):
The BEV Johnson Show returns after these messages.

Speaker 3 (19:49):
On your mind.

Speaker 11 (19:52):
To me, I'm telling you to just keep the first.

Speaker 7 (20:01):
Around show. Welcome back to w d i A The
BEB Johnson Show.

Speaker 4 (20:20):
We are asking the experts, and the expert is back
in the house.

Speaker 7 (20:25):
Attorney Ursula Woods from preferred.

Speaker 4 (20:28):
Title and escrow nine oh one car wreck and the
bankruptcy Firm.

Speaker 7 (20:33):
All right, sister, today you want to.

Speaker 5 (20:36):
Highlight what today?

Speaker 9 (20:38):
I want to highlight bankruptcy.

Speaker 2 (20:41):
Good.

Speaker 10 (20:42):
The reason why this may sound unusual, but the reason
why I want to highlight bankruptcy is because right around Christmas,
we spend a lot of money.

Speaker 9 (20:52):
We will break the bank.

Speaker 10 (20:55):
And then after that, because we know that we're going
to get what our tax refund so says, we know
the tax refund is coming, then we spend the money accordingly. Well,
in addition to that, we I was watching today and
I saw that these checks are coming through. So they're
telling people go to the IRS dot gov. You need

(21:15):
to you know where is your return check it because
some people got dates as early as the twelfth to
be able to get their money, you know, for their
tax refund. So I want to encourage everybody definitely check
your date, know that that money is coming, get ready
to get your tax returned. But then after that, we
have a huge increase in bankruptcy filings, so people always

(21:38):
want to know, you know, how quickly can I file bankruptcy?
I have to get my tax return, can I get
can I file bankruptcy? What are the steps for filing bankruptcy?
Can I keep my house? So we're going to talk
about all of that, but in addition to that, I
want to talk about the emotions because one of my
friends DMed me and told me because if y'all go

(21:59):
to the bankrupt Law firm Instagram page and TikTok, you'll
see that I do have some videos that are jokes,
you know, like where we you know, just having a
good time. Yeah, and one of my girlfriends because let
me back up, So I just eliminated about one hundred
and fifty thousand dollars worth of debt for a twenty

(22:19):
seven year old and like a twenty five year old.

Speaker 9 (22:23):
Now she was like twenty four to twenty five. I
don't judge.

Speaker 5 (22:25):
We listen and we don't judge. So they had a
lot of debt.

Speaker 9 (22:29):
Well, so my girlfriend's like, wall. It makes it seem
like it's so easy. It's not easy.

Speaker 10 (22:33):
No, you know, it's not easy. It's a tough decision
to make. But it's not a But filing the bankruptcy, yes,
that's easy. You provide me with your driver license, your
Social Security card, two years worth a tax returns, six
months worth of paycheck stuffs, and I can get you
filed with bankruptcy, so long as I.

Speaker 5 (22:51):
Can get you approved, okay.

Speaker 10 (22:53):
But what's tough is the emotions, right getting to the
point where we decide, you know what, I've tried.

Speaker 5 (23:02):
I've tried, and.

Speaker 10 (23:03):
At the end of the day, I don't have enough
money to cover these bills. Ursula said, to a budget.
You know, so you saved up your thousand dollars emergency money,
you blew through that. You looked at your budget and
at the end of the day, the amount of money
that you're making is not increasing, and yet the gas
is going up and the grocery bills are ridiculous. And

(23:24):
not to mention, if you have children, they want to
be involved in various activities, and all of that costs money.
So when you're in an unfortunate position in which you
have too much, too many bills, and too little money,
then the one thing you got to do is get
rid of some of these bills. Still, so how can
you do it? You have to either call and see
if anybody would you know, just so happen to forgive.

Speaker 9 (23:45):
The debt are better? Yet you have to call and
file bankruptcy.

Speaker 10 (23:49):
And we have two options for most consumers for bankruptcy,
which is a Chapter seven or a Chapter thirteen. But
you may say, well, I'm a shame you know I
have You know if I foil bankruptcy, everybody's gonna know.
Oh to begin, everybody is not going to know. But
is it public information? Yes it is, but most people
aren't going to check the bankruptcy website to see who

(24:10):
has filed bankruptcy. So the shame that you have is
really coming from inside. The one thing that is absolutely
true is that people are going to have problems from
one day to the next, whether they tell you or
whether they don't tell you, they do have problems. And
then as a result of the shame because you're thinking

(24:30):
you're the only one. You've made this decision. Oh my god,
I knew I shouldn't have paid for the funeral expenses,
but I did, and now I'm broke. Well, okay, let's
move towards solution. We got the facts, we know what
has happened. What is the solution. The solution is either
to make more money to pay off the debt, work

(24:51):
out a payment arrangement, or you can say, earthlaw, forget
all of that. I'm gonna be just like my President Trump.
And because he is fil bankruptcy. A few times you
may say, well, I'm going to be like President Trump
and I'm going to file bankruptcy, And I say, you
have every right.

Speaker 9 (25:04):
Let me sign that executive order right now.

Speaker 10 (25:07):
Because the federal government has put in provisions to allow
us to be able to thrive in America and not
have to be burdened by the weight of that debt.
Do you know that shame will kill you? So instead
of being in a place where you're saying, hey, I
cannot the anxiety is crippling, instead of being in that place,
I want you to move from a place of shame
and then move over into a place of solution, So

(25:30):
don't sit in shame. So y'all want you to move
to a place of solution. The next is that we're
gonna talk about the solution in a minute. The next
is people have regret, right, and so that's another emotion
that people experience once they're in a position of unfortunately
having money problems, they regret the decisions. Again, the way
that we get out of that place of regret is

(25:51):
by moving towards the solution. Okay, so, yes, you did
the thing that you did, but you are not who
they say that you are. So it's no need to
walk around with shame nor regret for the act that
was done. Because now you can really move towards solution.
And if these things are crippling you to the point
where you can't move, therapy is real. Therapy works. Don't

(26:12):
let some dusty person tell you that therapy does not work. Now,
you know, and I created equal.

Speaker 4 (26:22):
Let me say this so when you talk about because
that's that's one of my heart and soul. Therapy works, Amen,
therapy works, and attorney ursua that I'm hoping that the
thirty eight years I've been doing this show, I hope

(26:43):
our listeners have took that to heart because therapy works.

Speaker 9 (26:49):
We have doctor Harper on.

Speaker 7 (26:50):
We have doctor Harper, we have doctor Jeffries, who's.

Speaker 4 (26:52):
Been with doctor Jeffers in thirty eight years, and I've
had other therapists on the show, and therapy works. And
I hope folks get it because we you know, the
mindset we have. We don't know if be business and
your my big no no no no no no no
self help. Therapy works and if you need to talk
with somebody, go to therapy.

Speaker 10 (27:15):
Doctor jeff When is the next time doctor Jeffers. Okay, hey,
oh he coming on this Friday?

Speaker 9 (27:19):
She she she coming on.

Speaker 7 (27:21):
She comes on every Friday when she's not when she's
not working.

Speaker 9 (27:23):
And doctor Harper be here from her own Valentine's Day.
I think, ma'am, I think everybody.

Speaker 10 (27:31):
Look she I don't know this to be true, but
she got a special message for y'all. Okay, it's Valentine's Day,
so she got a special message. So if we talked
about that at the top of the hour, tune in
Friday for doctor Jeffries, So beb what's one of the
things that stand out to you with therapy that you like.
What's a nugget that you want to share with us
from therapy.

Speaker 7 (27:52):
I think therapy helps you to.

Speaker 12 (27:57):
Get into yourself and deal with what other whatever issues
you have been dealing with, because a lot of our
issues start in childhood.

Speaker 9 (28:10):
Oh amen, it's starts in.

Speaker 4 (28:12):
Childhood, and as we get an adult, sometimes we have
not let them go and you have to learn how
to let them go, and therapy helps you to deal
with that.

Speaker 7 (28:22):
So it's okay. But remember all of a lot of
our issues began with childhood.

Speaker 10 (28:29):
Yes, as children, I agree, And then we have to
learn how to work past that. Because even though today,
at the big age of twenty five, fifty two, sixty two,
you're still reacting like eighty two, Yeah, eighty two, eighty two,
you're still reacting like you're that five year old child
who mother abandoned her. You know, I was listening to

(28:51):
somebody speaking. He said at eight, or maybe it was eleven,
his mother dropped him off at a foster care and
said and said I'll be back.

Speaker 2 (29:01):
Yeah.

Speaker 5 (29:02):
That has got to be devastating.

Speaker 10 (29:05):
I just would have preferred to you left me on
day one than for me to know that Mama, Lord
have mercy. So Attorney Johnson tell us about what.

Speaker 2 (29:15):
I want to do this.

Speaker 8 (29:17):
Okay, good morning, sister, Good morning sister. I am so
happy to be here on this wet, nasty I'm so
happy to see you. Yes, good morning, good morning.

Speaker 7 (29:28):
I love this topic.

Speaker 8 (29:29):
Okay, and I agree. Could not agree more that it's
necessary because we do not get out of this life unscath.
It's going to happen to the best of us. I
was thinking about, you know, the victims of the fires
in California or you know, you know, just having to

(29:53):
you know, flee from your home, your whole community being
burned down, that is you know TSD.

Speaker 7 (30:01):
You could have post traumatic stress, and those people who
lost it, they're gonna have some stress.

Speaker 8 (30:10):
I'm telling you, there is so much because your your
body is built in a way that when you're dealing
with those issues where you need to fight, or you
need to flee because a bear is running after you,
you know, or you're dealing with some emergency situation like
they say that you get superhero hero strength when your

(30:31):
child is in trouble or there's some emergency and it's like,
how could that woman pick up a car because her
child was under the car.

Speaker 7 (30:37):
What happens is everything in you.

Speaker 8 (30:41):
In that moment of emergency, all your other systems shut down.
You don't need to be digesting food. What happens is
your heart rate increases. You know, you have this anxiety,
but it gives you the motion to do what you
need to do. If that's run, well, imagine being a
people that are living like that every day, you know,

(31:04):
because we are we are a very high anxious society
and we are living in this high stressful situation daily
without getting any relief, you know, And unless you know that,
and so go back to the therapy, how do you
know that If you don't know that that's what's happening
to you, and how do you know what to do

(31:26):
with it?

Speaker 9 (31:26):
How do you know what's happening in your body?

Speaker 5 (31:28):
In your body right.

Speaker 8 (31:29):
That you're that you're you know you're you're in. Stress
will kill you, yes, okay, oh yeah, it will. That worry,
that stress, it will.

Speaker 7 (31:39):
Will will kill you, Attorney Monika. Also, it will make
you ill, yes, physically physically.

Speaker 8 (31:47):
So those racing thoughts, you know, those sleepless nights, and
and what I'm saying is, you know there might be
seasons for you. Everybody goes through something in life. Yours
might not be mine. We have to be equipped to
deal with it in life. And I know a lot
of people do that, you know, spiritually, that's why they
go to church. I mean, there's a number of ways

(32:09):
that you can make sure you're keeping yourself built up.
But what I've learned, even with the spirit Man, that
the spirit Man tells me to go to the medical
doctor when I have an ailment, you know, I'm still
gonna believe God for my healing. I'm the spiritual component
is there, but the scientific component is also there. I

(32:32):
do not understand why as a people we do not
see it the same way with our mental healthy because
our mental health determines everything else, including our physical health.

Speaker 9 (32:44):
Yes, that is good.

Speaker 10 (32:45):
So if you are facing a situation in which you
have shame and regret about your financial situation, you have
just heard a powerful speech from Attorney Johnson and BEV
that are advocating to get rid of that pain. Should
get rid of that regret. Yes, we move to a
place of solution, especially if it's financial. Give us a
call at the here on the air, at the bankruptcy

(33:07):
law firm and let's discuss and if all else fails,
get into therapy. The last two emotions that we experience
when we're looking at financial problems is fear. We are
afraid of the unknown, and we are afraid because we
lack the resources in the moment to resolve the problem.
You're like, Okay, Earst, I worked through my shame, I
work through my regret, but now I am afraid because

(33:29):
now I've looked. I've opened up the pink bill, the
white bill, the blue bill. Heck is now even purple.
I've looked at the bill and now it says that
I owe ten thousand dollars. I don't have ten dollars,
let alone ten thousand. So then as a result, it's
like you are afraid because of the lack of resources.
But on the Bev Johnson Show on Today, we are

(33:50):
your resource and we are free all day, well not
all day, but.

Speaker 9 (33:54):
We have another hour on the show, so we are free.
So you do have no need to fear.

Speaker 10 (33:59):
When you can ask the question, you may say, well,
I don't want to call to the radio and ask
a question. Okay, Bev told you all to email her
at Bev Johnson at my WD, I iHeartMedia oh dot com,
Bev Johnson at iHeartMedia dot dot com, so again that's free.
Send the email, all right, I'm on Instagram. Okay, I

(34:20):
don't have an email. We'll get on Instagram. Go to
the bankruptcy law firm dm ME or either ask on live.
You'll be able to see BEV Attorney Monika as well
as myself. So there is no reason to be afraid
when you got the solutions literally right at your fingertips.

Speaker 9 (34:35):
So I want to encourage that.

Speaker 10 (34:36):
And then the final the final emotion that my clients
experience when they found bankruptcy is hope. There's even a
church here called Hope Church. So we well, we're not
the church, but you know, have the hope, the hope
towards the future because now that you resolve the problems
that you have, you moved into a place where now
you can see the future. Like, Okay, phew, I've limited

(35:00):
all the bills. What am I gonna do with this
additional money. I'm gonna be smart. I'm gonna pay off
my bills and I'm gonna make sure that I'm meeting
my needs and not my greeds. Right, A lot of
times in life we get into this mode of meeting
our children's needs not realizing that as they grow older,
and even some that are young, their needs just really

(35:22):
become greeds. Mama wants your time, baby, I just gave
you two hours, Like mama gotta go. I got a
man too. I want to spend time with the one
that I love. Well, can you just please braive my hair? No, ma'am,
the promise was to do it on.

Speaker 9 (35:34):
Saturday, and sometimes you have to put your feet down
and have a boundary.

Speaker 10 (35:38):
Co signing debt. I am not a believer in co
signing debt for your children because they need to build
their credit. Is the interest rate gonna be hired? Yes,
you need to start building their credit when you're young.
We can get into all of that. You all have
operation hope.

Speaker 9 (35:53):
Do they still come in.

Speaker 7 (35:55):
Lester bringing me?

Speaker 9 (35:59):
Okay?

Speaker 10 (36:00):
So when Ruth is here, go over some things that
people can do to save money and build a teen's credit.
But by no means should you be putting yourself in
a financial position in which you can pay your own bills,
because you're paying those of a child and of an
adult child. It's now time to teach responsibility. So there
are times in which we have hope for ourselves, but
we have shame and regret for others. But again, therapy

(36:22):
will work through all of that. So with all of
that said, we've worked through the emotions, You're like, okay, Urstena,
all right now, I'm ready to move towards a solution.
So what is a solution when you have too much
debt and not enough money?

Speaker 9 (36:35):
Bankruptcy? Bankruptcy is definitely an option.

Speaker 5 (36:37):
So how does it work?

Speaker 10 (36:39):
We have two different bankruptcies because Attorney Johnson, one of
my friends, said, I make it.

Speaker 9 (36:44):
Look too easy. I'm on Instagram.

Speaker 10 (36:46):
They laughing with me, and then I'm like, you know, like,
y'all gonna call me a million dollar baby in a minute.
I'm serious because we got rid of a million dollars
worth of debt at about three weeks ago. This week,
one of my when my young adults, got rid of
one hundred and fifty thousand dollars worth of debt. This is, really,
to be honest with you, stuff that we do every day.
I'm just now highlighting it. So she was like, will

(37:09):
you make it look so easy? I was like, you
know what, Well, let me what's the process of actually
filing bankruptcy?

Speaker 7 (37:15):
Is easy?

Speaker 9 (37:15):
I only need four pieces of documents. We're going to
go over that.

Speaker 10 (37:18):
But the emotions behind getting to the point when you're
making a decision, you know, the shame, the regret, the fear,
and then ultimately the hope. You have to go through
those stages in order to make that decision. So I
want to walk everybody through that. So now we work
through the emotions. We have Chapter seven, we got chapter thirteen.
Those are our options to get work us towards being

(37:39):
debt free. Chapter seven straight bankruptcy. One of my para
legals told me today, Ursula, do you know that the
chapter seven filings? You are a very prominent attorney because
you make sure that your clients filed chapter seven or
chapter thirteen. You don't just force them into a Chapter

(37:59):
three wage journer. So yes, if you're in the sound
of my voice and you're not in a chapter seven bankruptcy,
then you need to be asking your attorney why was
I was I eligible for a Chapter seven? Can I
convert to a Chapter seven? Because the answer is possibly yes.
So if you say, oh, I don't know why my
bankruptcy payment so high, which we're gonna deal with that,

(38:21):
you may want to ask, is it possible for me
to convert to a Chapter seven bankruptcy, which is a
straight bankruptcy. If and that means that you don't have
to pay anybody every month, that means that you are
completely debt free. Well, is it Chapter seven worse than
the Chapter thirteen, No, ma'am. They're all bankruptcy. They will
all be on your credit for the next ten years.
No one works better than the other, you know, as

(38:43):
far as credit wise, it's a It will affect your credit,
but not one is better than the other. But Chapter
seven is ideal because you completely get rid of all
your debt. Then you have the Chapter thirteen wage journer
where you take one payment that you pay towards the
bankruptcy court every month, and it takes care of all
of your credit card bills, old medical bills, old repossessions,

(39:06):
stops garnishments. I mean, bankruptcy will stop it all and
then you can keep more of the money. So to
become debt free, bankruptcy may be an option Chapter seven
straight bankruptcy. You can keep your car, you can keep
your house. You can and keep your investment properties under
a Chapter seven if you're eligible. When you hire US

(39:26):
attorney Ursul Woods, we go through that process before actually
pushing a button to value to determine if you're eligible,
because you'll never be in a position in which, oh,
somebody's taking your home, somebody's taking your car. No, you
will know exactly what is happening, so you can keep
your car, keep your house, and guess what you can
even get rid of. I ares debt irs.

Speaker 7 (39:47):
What you think, bell? I think that's good. Hey, I
need to talk to you.

Speaker 13 (39:54):
Right.

Speaker 5 (39:57):
They are not a joke.

Speaker 4 (39:58):
If you've justos tuned in this today, we are talking
with attorney Ursula Woods is here. Attorney Monika Johnson is here.

Speaker 7 (40:05):
Emailer.

Speaker 4 (40:06):
We're gonna get to your email, Yes we are, and
you can call us if you have a question or
two nine zero one five three five nine three four
two eight hundred five zero three nine three four two
or eight three three five three five nine three four two.
If you cannot call, you can email me Bev Johnson

(40:30):
at iHeartMedia dot com. That's Bev Johnson at iHeartMedia dot com.

Speaker 7 (40:39):
Let me come back. We're gonna do the email next right.

Speaker 5 (40:42):
Here on w d i A, The bevj Say Show.

Speaker 2 (41:01):
Don't Go Away.

Speaker 1 (41:02):
The Bev Johnson Show returns after these messages.

Speaker 10 (41:27):
That's just show bell chomps time with this talking and
home away. Help you go, you go, son't getting ready,
It's time just show.

Speaker 3 (41:45):
Let's go.

Speaker 7 (41:47):
We You'll make Gordy right here.

Speaker 4 (41:51):
Wrong to d.

Speaker 5 (41:55):
Listen to want to say? You know where's time out
to fish shop.

Speaker 7 (42:03):
The mountain. Shocky, Let's go.

Speaker 4 (42:06):
We are rocking and rolling on this rainy Wednesday in Memphis, Tennessee.
It's February twelfth, twenty twenty five. Enjoy this fabulous day
to day. We are asking the experts. Attorney Ursula Woods,
attorney Monika Johnson is here.

Speaker 7 (42:23):
We will be talking with them.

Speaker 4 (42:25):
Hold on, Cala, I'm coming to you pot as well,
and we will do that email. But let me tell
you about my favorite place. We rock with the best
soul food in town, the best entertainment around.

Speaker 7 (42:37):
You know what I'm talking about.

Speaker 4 (42:39):
I'm talking about the rocking Chair of Memphis, fifteen forty
two Elvis Presley, where you can get the best soul
food in town like catfish and buffalo fish, frieda baked chicken,
pot roast, smoked turkey, necks, baked chicken.

Speaker 7 (42:54):
That's what I heard. Some day I had me some
baked chicken trying to eat healthy.

Speaker 4 (42:57):
Smell a fork shot, fried fork chops, burger steak and
Miss Ann's famous chiplings and an array of vegetables. Inserts
waiting for you at the rocking chair. Now you can
dine in or you can take out. Call him at
nine zero one four two five five two six four.
Remember this number because I'm gonna tell you something. Nine

(43:18):
zero one four two five five two six four. You
can have your meal waiting for you. And when I
say we rock with the best entertainment in town, We're
rocking tonight. On Wednesday it's karaoke going and win you
some money.

Speaker 7 (43:35):
You can sing.

Speaker 4 (43:35):
It is Carrieoke Wednesday tonight. And also on Friday night
karaoke there with.

Speaker 5 (43:43):
The live band.

Speaker 7 (43:44):
Y'all think y'all have been seen? Can you sing with
a band?

Speaker 2 (43:46):
Well?

Speaker 4 (43:47):
Coming out on Friday night where you can do karaoke
with a live band. And on Saturday it's the Valentine's Weekend, y'all.
We gonna be all the wait live what what we
all the way?

Speaker 14 (44:02):
Live?

Speaker 4 (44:03):
Lakeside is in thy house on Saturday at the rocking Chair. Yeah,
y'all remember.

Speaker 7 (44:09):
Lakeside some good stuff.

Speaker 4 (44:11):
Well we'll be rocking on Saturday with Lakeside at the
Rocking Chair.

Speaker 7 (44:15):
Now, look, you need to call them because I'm thinking
they're about to sale out of tickets. So I think
they may have been sold out.

Speaker 4 (44:21):
So you need to call nine zero one four two
five five two six four nine zero one four two
five five two six four to see.

Speaker 7 (44:31):
If they have any more tickets left.

Speaker 4 (44:33):
For Lakeside on Saturday the fifteenth at the Rocking Chair
of Memphis. So I told you we rock with the
best soul food in town and the best entertainment around.
It's the Rocking Chair of Memphis. Fifteen forty two, Elvis Presley.
When you go there, y'all, you tell them BEV Johnson
sent you to the Rocking Chair fifteen forty two, Elvis Presley.

Speaker 7 (45:07):
We are rocking.

Speaker 4 (45:08):
Yeah, we're rocking here with the Attorney's Attorney, Ursula Woods,
Attorney Monika Johnson.

Speaker 7 (45:13):
Ladies, we are going to our phone lines. Thank you
for waiting.

Speaker 3 (45:17):
Pat.

Speaker 7 (45:17):
We're talking to Pat, Hi Pat, Hey.

Speaker 13 (45:21):
Bab Hey, Ursula, Hey, Moniqua. You know what I would
have waited all day to get through to you guys today. Listen.
I know about bankruptcy, I know about stress and I
read nobody mean somebody's couch. Okay, amen, seventy one years old.

(45:44):
I have been through it, got done that, everything that
you are mentioned.

Speaker 4 (45:49):
Got the T shirt.

Speaker 13 (45:50):
But I'm just as happy as stress free as I
want to be because a lot of times people say
time on, well girl, I ain't going.

Speaker 10 (45:59):
I ain't going.

Speaker 13 (46:00):
I want to see no strength. Okay, well that's you.
I know what I needed to do, and I did it,
and I waited till I got sixty five to get married.
I'm happy idn't ring yesterday. But uh, it's gonna be
all right. My husband to him, baby, it's okay, It's okay. Valentine,
come up. You needed to replace it anyway.

Speaker 11 (46:18):
Oh, I was like, I love my husband.

Speaker 14 (46:20):
But then when you always.

Speaker 13 (46:22):
Talking about hope, you know my church is called the
House of Hope.

Speaker 9 (46:28):
Here and a man shout out your pastor, you didn't
already say that house?

Speaker 5 (46:33):
What is your pastor?

Speaker 13 (46:36):
Pastor Charlie Dates now used to be pastor of James T. Meeks,
but he's out Americas now because he stepped down and
gave Charlie pass the torch on the Charlie Dates and
that young brother is something. Oh my god ah, but
I just wanted to say, you ladies are talking my
language today. I found bankruptcy back when I was like,

(46:58):
I think I was about forty two and I was
still having you know, like get issues.

Speaker 7 (47:05):
But I was like, now here, you are.

Speaker 13 (47:06):
Making all this money at the phone company and what
you're doing with it. So then my son went away
to school, he went to Rust College and two thousand
and nine, yeah, my son was down there.

Speaker 7 (47:21):
So you're talking to to alumni of RUSS.

Speaker 13 (47:25):
Yes, I know, I guess so, but yes, yes, yes,
you ladies, I'll tell you. I'm really enjoying the bill
was talking about big chicken. I don't eat. I don't
eat chicken period. But I'm baking my husband some chicken,
making them cabbage and I'm doing the dog gone thing
today because I lost my ring.

Speaker 11 (47:47):
Press about it.

Speaker 13 (47:48):
Yeah, but anyway, nothing wrong with a nothing wrong with
filing bankruptcy, especially if you're in the situation. Ain't nothing
wrong but seeing somebody's laying on somebody, seeing a shrink.
Not they're wrong with that. What's wrong with is when
you feel bad, like well, well, I don't want nobody
to know. Do you walk somebody know you're going crazy.

Speaker 10 (48:11):
Right, because you know what, because we all see you
going crazy. We all see it, so you might as
well go to therapy, right, and then you know.

Speaker 13 (48:21):
You ribbling away and just going Oh no, anyway, Love
you ladies, have a blessed day and happy Valentine.

Speaker 7 (48:28):
And happy same to you, Pat. I love Pat.

Speaker 4 (48:34):
She calls us from Illinois. Oh yeah, oh Illinois, Honey.

Speaker 5 (48:40):
What did we say today?

Speaker 9 (48:41):
Worldwide? Worldwide?

Speaker 5 (48:44):
Bev.

Speaker 8 (48:44):
I have a client now and I hope she's listening,
and if she is, we should be in prayer for
her husband because he's in the hospital.

Speaker 7 (48:51):
I want to see his name. But I have a
client now that listens to us from Florida. Oh yeah, wow,
from Florida. Wow.

Speaker 8 (49:00):
She did not want a Florida attorney, She said, I
listened to you all, and I want you to help me,
you know, with my estate.

Speaker 7 (49:07):
Wonderful.

Speaker 5 (49:08):
Yes, I love that.

Speaker 9 (49:09):
I have some questions too, before you get Can I
get this next call? Absolutely?

Speaker 7 (49:14):
Okay? W D I a HI caller. Hey, good morning Bell,
Hey Beverly, how are you.

Speaker 14 (49:21):
I'm fine?

Speaker 15 (49:22):
Good morning, Attorney Monika an attorney.

Speaker 9 (49:26):
Ursula, good morning, good morning.

Speaker 4 (49:31):
Yeah.

Speaker 15 (49:32):
I was listening to you, attorney talking about Valentine today, Yes, ma'am,
and I kind of smiled, you know, because you know,
most of us we think of Valentine's Day meaning you're
giving you a wife or your lady.

Speaker 14 (49:48):
Friend, you know, your whatever. Usually it's kind.

Speaker 3 (49:52):
Of designed for giving to female, but you have to
think about me and they, right, ye, be remembered too.

Speaker 14 (50:03):
But sometimes it's kind of hard to come up with,
you know, what you would might want to give that
would be a poker for Valentine's Day, you know, because
you know me and don't want too much. Don't want flowers,
they want candy.

Speaker 15 (50:19):
And cookies and all that kind of stuff.

Speaker 3 (50:21):
You know.

Speaker 14 (50:22):
Some men may lay clothes or clogs, but they may
already have a lot of that. So I kind of
got a little creative this year. You know what I got.

Speaker 1 (50:30):
My husband.

Speaker 14 (50:32):
Ordered him recognition of Valentine's Day and especially Black History Months,
I ordered him a beautiful dark.

Speaker 9 (50:43):
Chiki Oh wow, nice?

Speaker 14 (50:49):
Yes, raw blue and black.

Speaker 5 (50:51):
Oh yes, the colors of royalty.

Speaker 7 (50:54):
Yes, yes, yes, yes, that's a good idea.

Speaker 9 (50:58):
And in honor of Black History Months. It is a
reminder of our roots.

Speaker 14 (51:03):
Yeah, so I just decided to put that out there.
So any ladies who cannot try to think of something
you need. You know, that's that's the suggestion, and.

Speaker 5 (51:14):
That's their king.

Speaker 10 (51:15):
So now why not give him the garb that he
should wear. Attorney Monika and I went to Africa a
few years ago and so we really got into the
African print into nashikis.

Speaker 14 (51:24):
So beauty for that. Oh that's so beautiful, you th
old prince are so beautiful, so full of co Yeah, okay,
well you don't have our happy sweet Valentine's Day and
happy birthday to little Daddy.

Speaker 4 (51:40):
That's right, that's like, thank you, thank you, Beverly. I
was thinking, I think it's today. It's happy birthday, little Daddy.
Thank you, thank you, and shout out and happy birthday
to Chastity Hester. She is a graduate of University of
Memphis Law School. She is my attorney in my firm.

(52:02):
Shout out well, future attorney. Shout out to Chasity Hester.
Happy birthday, birthday, Chastity.

Speaker 7 (52:09):
Uh, before we go, should we go to the phone line?
Should I do my email?

Speaker 9 (52:13):
What people waiting?

Speaker 4 (52:17):
Yeah, that's right, So we're gonna go to our phone lines.
W D I a HI caller, I call her you there,
I don't.

Speaker 7 (52:30):
Maybe they're gone there and call back.

Speaker 6 (52:31):
I call her, I call her, shout out.

Speaker 7 (52:37):
Okay, he's listening.

Speaker 4 (52:38):
Hey William. Okay, I'm gonna put him on whole because
he's listening. So you're listening. We'll be back to you. Okay, email, ladies,
let's do this email because this was left over. Yes, ma'am,
and good morning to you. Beb Johnson, Attorney Woods and
Attorney Johnson. My husband and I have adult children from

(52:59):
previous marriages. The house we are living in now is
my in my husband's name only. I moved in this
his house after we married. We will be scheduling and
an appointment with your office to get a will to
include me on the property as of now, since I'm
not on the deed. If something was to happen to

(53:20):
both of us, me and my husband, will my children
have rights to come into the house and get my
belongings such as clothes, jewelry, pictures, and any paperwork and
personal things that belong to me. Thank you of faithful listeners.
Faithful listener.

Speaker 10 (53:36):
Okay, all right, I want to first off thank you
for the letter, but I want to kind of break
down a few things in this letter. Okay, So one
is you said the first thing. The first thing you
said that you want to schedule the appointment to get
a will to include you on the property. All right,
So Attorney Johnson is going to speak more about how

(53:56):
that's going to work with a will. But a will
will not add you onto the house, okay while the
person is living, right, a will becomes effective once someone
passes away. They're no longer with us. So if you
want to be added to the house while your husband
is alive, then we need to do that with a

(54:18):
quick claim deed or any other type of deed of transfer.
So sometimes people become uncomfortable when we start talking about
quick claim deeds. But quick claim deeds are definitely acceptable
to accept when you are getting it from someone like
an attorney who has done a background check on the
house to make sure that the person who's transferring it
to you actually owns it. Because that's what gets scary.
So the first thing I want to say is, yes,

(54:40):
we can add you to the house. A will is
definitely necessary. Attorney Johnson is going to speak about that,
But a quick claim deed or any other type of
deed or transfer is what's going to transfer you to
the house. And then You're go on to say, and now,
since I'm not on the deed, if something was to
happen to both of us, me and my husband, will
my children have rights to come into the house to

(55:02):
get my belongings and then you know, close jewelry, pictures
and then my paperwork, personal things belong to me. So
now I'm getting ready to pivot and give it to
Attorney Johnson so that she can address these issues.

Speaker 8 (55:17):
Okay, these are very very good questions, and we do
find that, you know, there are a lot of blended
families and a lot of times, you know, we find
love later in life. We have adult children elsewhere, so
I understand the scenario. It is quite common. So these
are very good questions, and I bet someone else out

(55:38):
there has them. First of all, you need to know
that as a spouse, regardless to whether or not you're
on the deed, if your spouse passes away without a
will or a trust, you are one. You may be

(55:59):
the soul, but you are one of the heirs at law.
So what that means as far as the home that
you are residing in is that if your husband passes away,
you do not automatically inherit that home because you're not
on title. He owned it before you moved in. But
as espouse, you are one of his heirs. So what

(56:21):
will happen in that situation is that you will inherit
that home with his adult children. Okay, you will inherit
that home with his adult children. And then the question becomes, well,
then what happens, because can his adult children put me
out of the out of the home. As a spouse,

(56:42):
you have something called spousal rights, and you have a
homestead allowance or a homestead exemption, okay, and because that
is your place of residence, there's some extra protection for you.
And so what that means is that if you allege

(57:03):
your homestead rights, then the children would either have to
pay the homestead allowance in Tennessee, I believe it's thirty
five thousand dollars right now, or you know, there could
be a homestead what we call a homestead what we
call set aside, which means the court would set aside

(57:25):
the home for you to live in the home for
a period of time, and sometimes it could be for
that surviving spouse's life. You know, you know a lot
of circumstances are considered, but I wanted you to know
that doesn't mean the children won't inherit, because the children
will still inherit when that spouse, you know, when those
spousal homestead rights are over.

Speaker 7 (57:47):
So that's number one. Number two.

Speaker 8 (57:50):
Your children. You asked the question about whether or not
your children would have any rights. Now, we're assuming that
your husband passed away first, and then we're saying that
you passed away second right, and so will your children.
I'm assuming that if your husband is alive, prayerfully, there

(58:11):
will not be an issue with him allowing your children
to come in and get your things. But assuming that
your husband has passed away and now you've passed away,
you want to know what rights your children will have. Okay,
if you pass away without a will, and let's say
you own you have a one third interest in the home,

(58:33):
because the children own the other two thirds, your one
third interest could go to your children. So that means
I know this gets complicated, but that means that your
children would now be owning your deceased husband's property with
their step children, step siblings, step siblings, yes, and so

(58:57):
will they have some rights to get your belongings absolutely,
they'll have rights to get your belongings out of the
home when you pass away. That doesn't automatically your personal
belongings are not inherited by your deceased husband's family. They
are inherited unless you have a will and you decide
to leave it to them. But they are inherited by

(59:18):
your children.

Speaker 10 (59:19):
But what about the husband, what about the What if
the wife dies, husband is alive, kids want to come
in and get the jewelry. Cannot the husband and the
children inherit correct?

Speaker 8 (59:30):
That is correct without a will, both inherit the husband
and the children. And well, oh my goodness, when we're
talking about yeah, if he's not if he's not willing, okay.
This is the other thing that you have to know.
It depends on how long you've been married, okay, And
that you know will let you know how much of

(59:51):
the estate that you're entitled to. So if you've been
married for less than ten years, you may be entitled
to a third of the estate, but if you're married
more than ten years, you might be entitled to forty
up to forty percent of the estate.

Speaker 7 (01:00:09):
And so when when wife dies and husband is still alive.

Speaker 8 (01:00:15):
Husband can get thirty to forty percent of wife's assets,
and then wife's children can get the other. So Attorney
Wood said, well, what about the jewelry. Well, we look
at the assets as a whole and hopefully we're able
to divide them out in substantial equal value. So this

(01:00:36):
person may get the jewelry, this person may get the
big screen TV, this person may get the car, but
in substantial equal value, keeping in mind that that spouse
is going to have a right to.

Speaker 7 (01:00:49):
Get between thirty to forty percent value.

Speaker 10 (01:00:53):
Good answer, God, Then Attorney Johnson, so, I yeah, so
I think that this is I think that what they're
doing in this particular situation and smart that they're just
going to come and see you and to resolve these issues.

Speaker 8 (01:01:05):
Yes, because I have some other ideas for them. I
think that they may want to do some planning, you know,
for what happens in the event.

Speaker 10 (01:01:12):
You know, if she passes away, and then what happens
when we are so quick to kill out the other person.

Speaker 7 (01:01:19):
I'm not going anywhere anywhere.

Speaker 5 (01:01:22):
So that was good information.

Speaker 8 (01:01:24):
I hope that helped, and I hope you do call
us because I have some ideas for you and your
and your husband all all right, So we would have phone.

Speaker 7 (01:01:33):
Line, no email.

Speaker 4 (01:01:35):
I want to get there before you get to your questions,
because you were talking about this and said, hi, miss Johnson,
attorney Woods. If there is there, if there is a
maximum income limit, I guess in filing a chapter seven, that.

Speaker 10 (01:01:53):
Is a great that is a great, great question, right,
But it's not as simple as the maximum limit.

Speaker 5 (01:02:00):
You have to look at your bills.

Speaker 10 (01:02:01):
So even though there may be an income limit, it
may be offset based upon the assets that you have
and the bills that you have. So it's very important
that you give us a call at nine zero one
five four one help nine zero one five four one
four three five seven. Give me a call and we
will go through the income limits for a chapter seven. A.

(01:02:23):
Chapter seven bankruptcy is our most ideal bankruptcy because it
is straight bankruptcy where you come out of it completely
dead free, no payment plans.

Speaker 5 (01:02:32):
And if you call our office.

Speaker 10 (01:02:34):
Now, asks for cookie, asks for ruby, and they will
take good care of you to make sure that we
get those to.

Speaker 5 (01:02:40):
See if we can analyze you for that.

Speaker 8 (01:02:42):
Yeah, I think it's important that they know that there's
a formula. Oh yeah, you know, and it's it's not
that simple. That we can say, you know, if you
make fifty thousand dollars, you qualify. No, there's a formula,
and that's it's not that she's not answering the question.
You really do need to call because we have to
plug in all the information to determine your eligibility.

Speaker 4 (01:03:03):
All right, it's correct, Thank you Renee for the femail question.
All right, Attorney Ursula, all.

Speaker 9 (01:03:09):
Right, So we got a couple of questions.

Speaker 10 (01:03:11):
Like I said, if you want to join us on
bankruptcy law firm on Instagram, you'll be able to see Bev,
You'll see Monico, you'll see me. So my Instagram followers
who are in love with Bev have asked me a
couple of questions. Number one, they want to know, can
you keep your credit cards?

Speaker 9 (01:03:28):
Can you pick?

Speaker 10 (01:03:29):
You know, I want to keep Bank of America. I
don't want truists. You know I want this, I don't
want that. The answer is no, you cannot cherry pick.
You cannot specify which credit card you want and which
credit card you do not want under bankruptcy. As a
matter of fact, there are federal guidelines. I think, oh,
you'll see the video on tomorrow. There are federal guidelines

(01:03:50):
that tell you that you have to report all of
your assets, and you have to report all of your debt,
so you cannot cherry pick which credit cards you do
or do not. Matter of fact, the top two things
that you should never ever do if you're considering filing bankruptcy,
give me sixty seconds.

Speaker 5 (01:04:07):
I'm serious.

Speaker 10 (01:04:08):
These are the two things that you should never do
so it'll keep you out of trouble before you file bankruptcy.
Do not sell your assets, meaning that you do not
want to say, oh, I'm going to go and scramble
transfer all my property to my relatives. They'll never know,
and then I can get away with this. Do not
do that because the bankruptcy court will know all of
that is a public record. How will they know because

(01:04:30):
all they have to do is look at the Shelby
County Registered website and they can see everybody's business from
the beginning of time through today. Well, I got it deleted, child,
This is twenty twenty five. There is no deleting. If
it's in there, it's in there forever. So do not
sell your assets prior to filing bankruptcy, because we can
end up ultimately having to get those assets back And

(01:04:50):
when I say prior to, I mean within the last
twelve to twenty four months, because that's the look back
period for the bankruptcy court to see what you have transferred. Now,
have you transferred to five years ago, you're fine, but
if you did so within the last twelve to twenty
four months, they can look at that. The second thing
I do not want you to do is do not
pay your credit card bills and loans and things like that,

(01:05:11):
and you know you're getting ready to file bankruptcy, because
why throw good money after bad If you know that
you're getting ready to file bankruptcy, why are we paying
bills that we know we're going to bankrupt?

Speaker 9 (01:05:21):
Right?

Speaker 10 (01:05:21):
You may say, well I was undecided, Well okay, but
we want to be able to preserve our dollars, our
resources for what we need, you know, food, gas, light, rent,
and then of course pay the credit I mean, do
not pay the creditors because we're getting ready to bankrupt them.

Speaker 5 (01:05:36):
But on the on the good side, you are able.

Speaker 10 (01:05:39):
Because I had another question, Am I able to get
rid of property tax debt? So I want to Turney
Johnson to jump in. If you have delink went property taxes?
My number one go to for you. Yes, of course,
call me, but that's not Number one. Number one is
called Regina Maurics Newman.

Speaker 2 (01:05:57):
Yeah, that is it.

Speaker 7 (01:05:59):
Maurice Newman, a new Regina Morrison Newman.

Speaker 10 (01:06:02):
Okay, Kyle, Regina Morrison Newman, kyll their office. One thing
that I love about Shelby County, especially the City of
Memphis and the county when you come down to property taxes,
they will work with you.

Speaker 7 (01:06:12):
Oh yeah, she will.

Speaker 5 (01:06:13):
She is on this show.

Speaker 10 (01:06:14):
She's a regular guest that programs that they put in place.
They tap into Monika and I. We are friends with
the Assessor office and the tax office as well as
the Register of Deeds starting with Chilandra Ford. They these
people have really put their heart and soul into the
positions that they have to make sure that our community
is serviced. So if you have any back taxes, call

(01:06:35):
and work it out with them. If those payment plans
do not work out, a Chapter thirteen wager earner will
place all of your back taxes, stop the interest, stop
the interest, and give you a payment plan to be
able to pay back and keep your house well.

Speaker 4 (01:06:51):
Because now your county taxes are due the end of
this month. You're gonna be penalized.

Speaker 10 (01:06:59):
Y'all hear that February twenty eighth. Yes, they are due
after that is a penalty, so attorning Monika.

Speaker 5 (01:07:04):
What else?

Speaker 9 (01:07:05):
So, of course bankruptcy, of course, call and work out
the plan.

Speaker 5 (01:07:08):
What else?

Speaker 8 (01:07:09):
But let's just say they did not work out a
payment plan, they did not qualify for any tax exemptions
like the elderly, and then they fail to file.

Speaker 7 (01:07:19):
Bankruptcy to save their home.

Speaker 8 (01:07:21):
Let's say none of that happened, and now you know
they you know, they dug put the head down in
the hole like an ostrich and pretended like it wasn't happening.
And sometimes we do that because emotionally we need to
check out for a minute. It's too much pressure.

Speaker 10 (01:07:37):
Right.

Speaker 7 (01:07:38):
If you've done that, I'm not judging you for doing it.
I've done it before myself.

Speaker 8 (01:07:42):
But if you have buried your head in the sand
and now your house has been sold for delinquent taxes,
the thing you need to immediately do is dust.

Speaker 7 (01:07:54):
Yourself off and call me why.

Speaker 8 (01:07:57):
Because we have a very limited time that we may
be able to get your home back. And so what
we do if nothing else, if all else has failed,
You didn't you know file the bankruptcy to save it.

Speaker 7 (01:08:09):
We can file a petition.

Speaker 8 (01:08:12):
To redeem that property back from the tax sell even
if they already got paid for it, because what we're
gonna do is we're gonna reimburse them for it. Okay,
but yes, please call us if you're ever in that situation.

Speaker 7 (01:08:28):
What's our number?

Speaker 5 (01:08:31):
Our number is nine zero one, five four one.

Speaker 7 (01:08:35):
Help.

Speaker 5 (01:08:35):
That's five four one four three five seven.

Speaker 4 (01:08:39):
We are talking bankruptcy today. Attorney Ursula Woods is here
at tourney. Monika Johnson is here. Hold on, callers, I
have another email coming in that the ladies will answer
as we ask the experts.

Speaker 5 (01:08:52):
Right here on w d IA the Bathtub Sen Show.

Speaker 1 (01:09:09):
All hail the Queen, the Queen of talk. That is
BEB Johnson on w d I A. You're listening to

(01:10:01):
the Bev Johnson Show. Here's Bev Johnson.

Speaker 4 (01:10:04):
And we're talking with attorneys Ursla Woods and well Nika
Johnson and ladies.

Speaker 7 (01:10:10):
Going to our phone line to talk to common man. Hey,
common man, Hey, hey y'all, what's going on? You got it?
How are you?

Speaker 11 (01:10:21):
I'm doing fine? Hello to the lady's elf. Turn of
a Turner Johnson, the atturner Woods.

Speaker 5 (01:10:27):
Hello, Hello, all right, hey.

Speaker 11 (01:10:30):
Attorney Johnson, Yes, sir, okay, listening to you speak to
someone about you know, if the husband passed the home.
You know, the husband passed and the wife is still there,
Eventually she become a here and then his biological kids
would So okay, I got that part. But you did

(01:10:52):
spoke about the homestead right in the thirty five thousand
dollars in my career. Did you say that the kids
responsible for paying the thirty five thousand dollars in what
exactly is the homestead?

Speaker 7 (01:11:04):
Okay?

Speaker 8 (01:11:05):
So a homestead is the spousal right, one of the
spousal rights that a surviving spouse has. There's a couple
of rights that you have as a as a surviving spouse.
One of them is homestead. Another is elective share.

Speaker 7 (01:11:25):
Okay.

Speaker 8 (01:11:25):
So the elective share that we talked about is that
the spouse gets to choose whether they take the thirty percent,
the forty percent, or just to take a child's share
if it's ten children, and she can just say we'll
all divided one tenths. So you have elective share. That's
elective share. You also have homestead. What that means is

(01:11:47):
if that home is sold so that all the airs
can be paid out. Then the wife will get an
additional thirty five thousand dollars. So let's say the wife's
share is already one third and the children are getting
two thirds. Well, her homestead is going to allow her

(01:12:10):
not only to get her one third, but an additional
thirty five thousand dollars from the sale of that house,
because that is the homestead exemption amount in Tennessee.

Speaker 11 (01:12:21):
Oh okay, I got you in Okay. So the kids
being would have to put that thirty five thousand dollars together,
or however it's got to come out of the coursetion come,
it will come, it would come.

Speaker 8 (01:12:35):
No, it would come from the estate. The children don't
have to come out of their pockets. It's what's this
is what she is due from the estate.

Speaker 11 (01:12:46):
Right right, I got you, I got you.

Speaker 7 (01:12:48):
And so if the estate, you.

Speaker 8 (01:12:50):
Know, has lots of money and they don't want to
sell the house, but they want to, you know, give
her that you know, that thirty five thousand dollars exemption.

Speaker 7 (01:13:00):
They can do that. The other thing that that homestead does.

Speaker 8 (01:13:04):
If you don't want to sell the house, if you
don't want the thirty five thousand dollars. Then what you
can do is you can ask for a homestead set aside,
which means I just want to live here. You know,
I'm seventy years old, my husband just died. I don't
have a job, I don't have credit, I'm not this

(01:13:28):
is I've been living in this house, you know, twenty years.
I don't want to leave, you know, And the court
would so you as a spouse because now if it's
investment property or rental property as a whole nother story.
This only applies if it's your marital home, then you
then the court would set aside a certain amount of

(01:13:49):
time to allow you to live in that home. And
a lot of times what happens is when you're negotiating
with the adult children that own the home with you.
These are your spouse's adult children. A lot of times
what happens that I've seen is those adult children are
not necessarily trying to put the surviving spouse out, so

(01:14:10):
they'll say, okay, we we will agree to allow you
to stay there, you know, for this period of time,
and we'll let you stay there for the rest of
your life. But that means you're gonna have to give
us all the interests in the home. So remember we
talked about that one third she could leave to her theirs.
If that Usually if those adult children, they'll say, hey,

(01:14:33):
you can stay for your life.

Speaker 7 (01:14:34):
You can say as long as you want to. But
the but when you pass away, all the home is
gonna come to us. Yes, yes, okay, yes, So just
keep that in mind, you know.

Speaker 8 (01:14:47):
But the best thing is, you know, I know that
spouses do have rights because of course, because over you know,
over time history there's been a need.

Speaker 7 (01:14:58):
For widowers to have some level of rights and not
just be left on the street.

Speaker 8 (01:15:02):
But you don't want to depend on that, you know,
And then you don't want to depend on having to
go to court and fight that or even having to
apply for a homestead exemption. The best thing to do
is if you're in a you know, if this is
your second marriage, or if you have outside children, the
best thing that you and your spouse could do is

(01:15:23):
come and and draft a trust for your property right
and then you know, have all of your decisions made
with respect to whose children get. The spouse is protected,
plus your children are protected and everybody's protected.

Speaker 5 (01:15:41):
Yeah that's my soul box.

Speaker 6 (01:15:44):
All right.

Speaker 11 (01:15:45):
Well, well, uh, everything thoroughly, and I understand it because
I was thinking, we said homestead. The first thing handed
my man was a homestead. He and I was trying
to decipher like homestead. But I got to clear an
understanding that you explain.

Speaker 7 (01:16:02):
Okay, well, thank you, all right, thank you common man.

Speaker 11 (01:16:07):
All right, have Valentine.

Speaker 7 (01:16:08):
Y'all happy Valentine, Bye bye Valentine.

Speaker 4 (01:16:12):
This email and let me do this. And for that
first one attorney we heard back. She says, thank you, attorney,
perfectly explained.

Speaker 7 (01:16:23):
Thanks the vote attorney. That was the one about the
husband and the children.

Speaker 4 (01:16:27):
Yes, okay, okay, yes, okay, this one says, all right,
here we go. Where is oh ask the attorneys about
rental property that has been purchased during the marriage of
twenty seven years, but only has husband's name listed on
the rental property that.

Speaker 2 (01:16:47):
Is paid for.

Speaker 7 (01:16:49):
He has two outside daughters and we have one adult
child together. There is no will. Am I entitled to
all the mental properties?

Speaker 5 (01:17:01):
All right?

Speaker 10 (01:17:01):
So the answer is not necessarily. So she does have
some rights, you know, because you are married and that
is a marital asset. So you do have some rights,
but you would have to share those rental properties with
the airs of your deceased husband. So that means that
that's in or outside of the marriage. So you may

(01:17:22):
have two kids together or one kid together, and y'all
got two kids out, and then that means that you
all of those children along with yourself have to navigate
those rental properties. That also means if you're going to refinance, okay,
let's get let's get granular. So if you need oh, okay,
well I'm gonna take all these houses and refinance because
you know what, I'm gonna go in and buy an
apartment complex. Well, shure, slowly roll because now, unfortunately, this

(01:17:46):
is not the legacy that you and your husband built,
but this is now the legacy that belongs to his
entire estate, meaning his children in or outside of the marriage.

Speaker 5 (01:17:55):
So this is high time.

Speaker 10 (01:17:57):
This is high time for you to call nine zero
one five four one help five four one four three
five seven. And right now is the time for you
to call that number and schedule with attorney Monika Johnson.
And I'm gonna tell you this. She even does zoom,
so you don't even have to come into the office.
You may say, look, I don't have time to be
taken off. We got all these rental properties. We got
our day job. That's fine, you can do so with

(01:18:19):
a zoom. And then the reason why now is the
time to call because Monica gotta cup on.

Speaker 5 (01:18:24):
I didn't even I'm like, what is that?

Speaker 9 (01:18:26):
Baby?

Speaker 15 (01:18:26):
What do we do?

Speaker 5 (01:18:27):
She said? Flash sale?

Speaker 10 (01:18:29):
I'm like, flash sale, okay, baby needs some new shoes.
So she has a cell that is going on.

Speaker 7 (01:18:35):
And it's a sweetheart of a deal part.

Speaker 8 (01:18:38):
Yes, it's it's our Valentine's promotion, and we believe that
you should share the love with someone you love and
you can buy gift certificate for them for an estate plan,
or you can simply call us and schedule your appointment
and get this discount as well, so that you can

(01:18:59):
set up your estate plan. But the discount if you
call and schedule an appointment this week during our Valentine's sale,
and it doesn't have to be soon. You can schedule
the appointment for next month or whenever you're available. You
will receive one hundred and fifty dollars credit on any
service that you purchase from us, whether that is the

(01:19:21):
power of attorney, whether that is a will or a trust,
we will.

Speaker 7 (01:19:27):
Give you that discount.

Speaker 9 (01:19:29):
And so Monika even have a textable number.

Speaker 10 (01:19:33):
So if you want to take advantage of this sweetheart deal,
what number should they text so the staff can reach
back to them.

Speaker 9 (01:19:39):
Which is a textable number?

Speaker 8 (01:19:40):
Text nine zero one three two five zero six zero zero.
That's three two five zero six hundred. Text your name
email and we will get right back to lor.

Speaker 9 (01:19:57):
Just text one fifty.

Speaker 10 (01:19:58):
If you text this, you know that you're ready for
a sweetheart of a deal, and the staff will give
you a call and they will gather your information. So
you may be driving, but just text to that number
one five zero. That means we know that you want
one hundred and fifty dollars off. That's that BEV Johnson special.
Believe me, the BEV Johnson Special. So we got you
sweetheart of a deal one fifty off. Text that number

(01:20:21):
and then we'll take care of you. Going to our
phone lines to talk to a listener.

Speaker 14 (01:20:25):
Hi, caller, Hi, how are you all doing?

Speaker 7 (01:20:30):
Okay, she tried to change her voice. You can't trick out. Yeah, yes,
we know your voice. Bird legs.

Speaker 6 (01:20:46):
Okay, Okay, everybody's good. Okay, and let me make it here.
I do not believe in even my man. Nothing for
Valentine sign either, I don't believe in that val to
me with all the ladies to hear. And that's that's
my opinion, and my opinion. All that okay, and what
I wanted I wanted to ask this question there we

(01:21:08):
only to moved here from another state. I don't know
if you are dealing with this or not, but I
know you're being very stud so you probably can answer
this question. When you came here, she married a loser
and she lost her social Security check. Let me say,
I have no intentions of laury and nobody I went on.
I received by money and I love it that nobody's

(01:21:30):
gonna stop my check. But she do not know that
when she moved to Meshis, Tennessee and marriage this loser,
that that her social Security check was gonna stop. Did
you all know that to be true? Right when you?

Speaker 14 (01:21:45):
Yes?

Speaker 6 (01:21:46):
She she said, you marriage this guy and her social
Security check stop because and he could he could not
afford her in the first places. I know, but I
don't know.

Speaker 5 (01:21:57):
You know, I'm gonna be very transferred.

Speaker 9 (01:21:58):
I don't know enough about out you know about the.

Speaker 7 (01:22:02):
Social security scurity, how it works.

Speaker 9 (01:22:05):
That sounds scary.

Speaker 7 (01:22:07):
So she moved to Memphis, she was getting social security.

Speaker 4 (01:22:11):
And you're saying, bird Legs that when she married this guy,
they cut off her social purity exactly.

Speaker 6 (01:22:18):
She said, when she moved here, they stopped her social security.

Speaker 7 (01:22:21):
Well, let me ask this question, had she been married before.

Speaker 1 (01:22:26):
That?

Speaker 4 (01:22:27):
Because I'm thinking if she was married before. I'm wondering
if was she getting a spouses so security she married before,
and if she was married before getting her spouses social security.

Speaker 9 (01:22:46):
Look, we got to know our man before we get married.

Speaker 7 (01:22:50):
You know what I'm saying.

Speaker 6 (01:22:53):
It's not going you and you know who you are.
You have to dig into that little deeper. The question
is what you married before? I don't know. You want
a lot?

Speaker 2 (01:23:06):
But hey, and and me either, I'm getting one.

Speaker 4 (01:23:23):
You know.

Speaker 2 (01:23:26):
He entered the chair room. I'm like, wait a minute, what.

Speaker 13 (01:23:31):
I'm going I'm not.

Speaker 7 (01:23:41):
I know that's right.

Speaker 14 (01:23:43):
Thank you.

Speaker 7 (01:23:44):
You'll be safe out there. Okay, bye bye bye bye
bye bye, bird leg thinking be safe?

Speaker 4 (01:23:51):
That's something looking I'm thinking if she was married before
and getting her her husband's so security, right, you get
married again?

Speaker 7 (01:24:00):
Yeah, I think they.

Speaker 9 (01:24:01):
Will because I knew of a well, you know what, because.

Speaker 4 (01:24:05):
Listen to this, ladies, I've heard, you know, back in
the day that people who who were married or they
divorced or their spouse deceased, and they were saying.

Speaker 7 (01:24:14):
I'm not getting married. Ag't gonna mess up my check
because I think.

Speaker 5 (01:24:17):
They did that they did.

Speaker 9 (01:24:21):
Yes, was her husband's retirement and it was the same way.
She was like, I'm not getting remarried.

Speaker 10 (01:24:28):
And she was getting death benefits because he died of
an accidental right. It doubled the money she never had
and she had a set listen, ladies and men. She
had a ceremony, you know what I mean. She went
to Jamaica somewhere and they.

Speaker 5 (01:24:41):
Had a ceremony and so they married in God's eyes,
not on pay for right.

Speaker 4 (01:24:46):
Because because I think about back in the day, a
lot of people who start are living together and say
we're getting married, but we're not getting my checks would
cut off.

Speaker 5 (01:24:54):
Wow.

Speaker 10 (01:24:55):
Wow, Hey, I want a public service announcement. If you
call Attorney Jumps or myself. Now this is this is
really for my young adults. You have to leave a message, okay,
and come, how can I say this just because you
have caller ID on your house phone if you have one,
Just because you have caller ID on your cell phone.

(01:25:16):
Business phones do not work like that.

Speaker 9 (01:25:18):
Is there call I D. Yes.

Speaker 10 (01:25:20):
We have over thirteen people in that office. Again, we
have over thirteen people, so not one person is just
looking at the call I D and say, oh, okay,
Mary Jones is calling for Moe. We do not know
you know you're one of hundreds. Now we will treat
you as an individual client.

Speaker 9 (01:25:37):
But I want to encourage you.

Speaker 10 (01:25:39):
Please leave a message, leave a voicemail, have the receptionist
write it down, and we'll call you back. We're not perfect,
but we're gonna call you back. But I can't call
you back if you don't leave a message.

Speaker 4 (01:25:49):
I like that. We're gonna break and come back as
we get ready to wrap up things with the ladies.
If you have a question or two for them, get
it in nine zero one five three to five, nine
three four two eight hundred five zero three nine three
four two eight three three five three five nine three
four two will get you in to us. We're asking

(01:26:12):
the experts on do w d I A the bevjsio.

Speaker 1 (01:26:31):
You're listening to Tennessee Radio Hall of Famer Bev Johnson
on w d IA.

Speaker 2 (01:26:46):
No over the time, working hard to.

Speaker 7 (01:26:51):
Break you ouday nev saying.

Speaker 4 (01:27:16):
And before we wrap it up with Attorney Ursula Woods,
I want to tell you about my sister frien. An
attorney knows her. I'm talking about Michelle Hayes Thomas. She's
your exclusive all state agent and Michelle says she can
help you parents and grandparents with whole life insurance policies

(01:27:36):
for babies starting at three dollars a month. You heard me,
three dollars a month. And Michelle Hayes Thomas has insurance
for homes, cars, motorcycles or boats, life insurance and even
pet insurance. They have insurance for all your insurance needs.
Now renters you're renting out there, she has renters insurance

(01:27:58):
as low as twin dollars a month, Home and auto
insurance bundles that can help save you money on both policies.

Speaker 7 (01:28:07):
So what are you waiting for?

Speaker 4 (01:28:09):
If you need some insurance, you need to call our
sister friend, the exclusive all state agent nine zero one
nine three zero zero three two nine. That's nine zero
one nine three zero zero three two nine. Call Michelle

(01:28:30):
Hayes Thomas today and get the insurance and the coverage
you need. Again her number nine zero one nine three
zero zero three two nine. That's nine zero one nine
three zero zero three two nine. Michelle Hayes Thomas, your

(01:28:51):
exclusive All State agent.

Speaker 7 (01:28:55):
Well, it's been a good day day.

Speaker 9 (01:28:57):
You vouch for her, now, you know. I'm over here
jumping in my seat.

Speaker 5 (01:29:01):
I know, I know Michelle.

Speaker 10 (01:29:03):
Michelle is my friend, guys, And when I tell you honestly,
she has a heart for the people like Bev has
a heart for the people. This is a personal endorsement
for Michelle Hayes all State Insurance. Michelle has a heart
and she also has a sense of professionalism. I don't
know if you all know her father, Pastor Hayes. He

(01:29:23):
has a he had a church as well as he
owned Hayes Holmes. I'm sorry, Hayes body shop.

Speaker 9 (01:29:29):
She's body shop.

Speaker 5 (01:29:30):
Yes, that's her dad. So she comes from good stock.

Speaker 10 (01:29:33):
This is somebody who will take care of you and
who is honest and who will break things down in
a way that you should understand. So definitely support All State.
Definitely support Michelle Hayes. She's amazing and she's also a
real estate agent. I mean, she's a sweetheart. Y to
wrap up, so a few things, don't forget tomorrow February thirteen.
Jaron Jackson Jersey Day February thirteenth, in honor of the

(01:29:57):
number thirteen, We're gonna support Jaron Jackson by wearing our
Jaron Jackson jerseys and tax tagging jaring on social media
social media Facebook, He's Jaron Jackson Junior on Instagram and TikTok,
and he's Jaron j A R E. N. Last, I mean, next,
but certainly not the least thing is we are doing

(01:30:18):
a meet and greet at one eleven Madison Downtown is
free and open to the public on February twenty first,
that's next Friday at one eleven Madison at five point
thirty six o'clock get their happy Hour. We're gonna be
just celebrating all things that's beautiful about life for February twenty. First,
let's do a meet and greet at one eleven Madison.

(01:30:41):
And then, last, but not least, we have unpacked a
lot on this show.

Speaker 2 (01:30:45):
Today.

Speaker 10 (01:30:45):
We talked about bankruptcy, shame, regret, fear, hope. We talked
about don't selling in your assets before filing bankruptcy Chapter
seven and chapter thirteen to get you debt free. But
we can continue this conversation because I know you have
questions you don't want to ask them on the air,
So give me a call at nine zero one five
four one help. That's five four one four three five seven,

(01:31:08):
and I will answer all of your bankruptcy questions. You
can ask for Ruby or either Cookie making an appointment.
They're there now, they're standing by the phones. Ask them
for the Bell Johnson special. So thank you for your
time and a beve Happy Valentine's Day to you. May
you go where you're celebrated and never tolerated, says, and
may everybody that you meet have wisdom for you.

Speaker 4 (01:31:29):
Well, thank you, sister, and happy Valentine's to you, and
have a appreciate fabulous weekend.

Speaker 7 (01:31:34):
I know you will. I will, And thank you for
being here. You all gave fabulous inform.

Speaker 9 (01:31:38):
Make sure it was productive.

Speaker 7 (01:31:39):
It was very productive, so I hope people received it.

Speaker 9 (01:31:42):
Oh amen, I agree.

Speaker 7 (01:31:44):
Attorney Ursula Woods, y'all, Yes she's in the house. Yeah,
she's in the house.

Speaker 4 (01:31:56):
Thank you callers, Thank you listeners for joining us this
day on the BEV Johnson Show.

Speaker 7 (01:32:02):
We do, we really do appreciate you.

Speaker 4 (01:32:06):
So until tomorrow, please be safe, keep a cool head,
y'all don't let anyone still your joy until tomorrow. I'm
Bev Johnson, and y'all keep the faith.

Speaker 7 (01:32:23):
The views and opinions discussed on The Bev Johnson Show
are that of the hosts and callers and not those
of the staff and sponsors of wd IA.