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 (00:00):
Take this break, we'll come back. We will continue to
talk with our sisters. Attorney Ursula Woods is here, Attorney
Monika Johnson is here. I'm Bev Johnson, and I'm here
with y'all right here on w d i A.

Speaker 2 (00:19):
Don't go away. The Bev Johnson Show returns after these messages, The.

Speaker 3 (00:24):
Bev Johnson Show. You to just keep.

Speaker 4 (01:33):
Around coving.

Speaker 1 (01:36):
So, good morning and welcome back to w d i A,
the Heart and Soul of Memphis. I am talking to
my sister friends in the house, Attorney Monika Johnson and

(01:57):
Attorney Ursula Woods. Attorney Ursula, what's on our agenda forward today?

Speaker 5 (02:03):
Today we are going to talk about one of the
things that is troubling so many and that it's about
making sure that you can keep your car, making sure
that you can stop any type of evictions, making sure
we stop these foreclosures and stop the garnishments. And then
of course Attorney Johnson is going to start talking about how.

Speaker 6 (02:22):
To redeem your properties right now, Yes, what's happening right now?
Last the end of last month, there was a recent
tax cell in Shelby County for all of those individuals
who are delinquent on their taxes, and yeah, many properties
have been sold in that tax cell, but it's not

(02:45):
the end. So if your property was sold in that
tax cell, you must act quickly because there is a
statute of limitations, but it doesn't mean we can't redeem
your property back out of that tax cell. Again, we
want to talk about these redemptions because we've been getting
calls and we want people to know that there is hope,

(03:08):
but you must you cannot ignore it.

Speaker 5 (03:11):
You must act quickly if you want to save your py.
So there are two things that can happen. So let's
start talking about bankruptcy. First off, let's talk about what
is bankruptcy, right bankruptcy. Bankruptcy is a type of government

(03:32):
option that will allow you to eliminate your debt, and
you eliminated through a Chapter seven as well as a
Chapter thirteen okay, bankruptcy proceeding.

Speaker 7 (03:41):
And what you will do.

Speaker 5 (03:43):
Is under a Chapter thirteen bankruptcy, it will consolidate all
of your bills into one nice deal if you do
a Chapter seven. If you file a Chapter seven bankruptcy,
then of course you will eliminate all of your bills
with the exception of the items that you want to
keep so for most consumers, you have a Chapter seven

(04:03):
and a Chapter thirteen bankruptcy, and then those are the
type of bankruptcies that will protect you. But just to explain,
a Chapter thirteen wage earner is what we would file
if you were trying to stop an eviction I'm sorry,
to stop a foreclosure from Shelby County property tax. We

(04:25):
would go in and file a Chapter thirteen wage earner
to work out payment arrangements in which you would repay
your taxes over the period of three four are either
five years, but before that you can always call Shelby
County Tax Authority, City of Memphis and try and negotiate
a payment plan for your taxes. That payment plan needs

(04:49):
to be an amount that is reasonable for you. But
if you feel as though they are not negotiating with you,
these are not the answers that you need. You want
someone to to be able to help you more than
bankruptcy may be the right option for you.

Speaker 7 (05:05):
Right.

Speaker 5 (05:06):
But so now we understand what a Chapter seven is
straight bankruptcy, you're completely dead free. Chapter thirteen that's a
rage earner. That's what we file to consolidate all of
your debt. But both of these particular filings can stop
a foreclosure, stop an eviction, stop a repossession, stop even garnishment,
and then that way you can keep more of your money, okay.

Speaker 7 (05:29):
And so then you may say, well, well.

Speaker 5 (05:31):
What what what are the obstacles to filing? And I
want to talk about that because we don't really focus
on it in that way. So, any type of recent
bankruptcy filings that does put you in a position which
you could be discharged are either dismissed. Okay, So discharge
means that you've actually completed I'm sorry, dismissed recent bankruptcy discharger,

(05:56):
failure to completely require credit counseling, fraudulent behavior, and feel
in a means test. These are all factors that can
disqualify you from filing bankruptcy. So what does it mean
to have a discharge? If you've been discharged from bankruptcy,
that means as you've completed the bankruptcy fully. Being dismissed
from bankruptcy means that you have failed to meet an

(06:18):
obligation and now you're being dismissed, right, And so what
are the grounds for being dismissed? Well, did you take
your credit counseling class when you file bankruptcy, the federal
law requires a completion of a credit counseling course from
one of their approved providers, and it has to be
done one hundred and eighty days, right within one hundred

(06:40):
and eighty days of filing the bankruptcy. So they do
give you a long time to do it, but you
do have to get that done, and if you do not,
then they will dismiss you. Something else that will get
you dismissed is fraudulent behavior. So if you conceal your assets,
you may fraudulent transfer, you destroy your financial records, you
lie on your bankruptcy forms. All of these are reasons

(07:03):
in which they will kick you out or shall I say,
dismiss you from the bankruptcy. Another thing is a means test. Okay,
if you want to file a Chapter seven straight bankruptcy,
we then take you through a process of what we
call a means test to assess your income expenses to
see if you even qualify for the Chapter seven. So

(07:25):
we have to make sure that your income and is
not too high. But even if it is, all is
not lost because we can put you into a Chapter thirteen. So, Monika,
let's break from that a little bit and talk about
the property tax redemption. So how do people end up
in a position in which they even need to redeem
their property.

Speaker 6 (07:44):
Well, it's quite interesting that you say that, because I
have a client right now that I am redeeming her property.
And she purchased property, let's say, twenty years ago here
in Memphis, and she purchased it because this property was
sentimental to her. It was her grandmother's home, and so

(08:06):
she purchased the property. However, she lives out of state,
and for years, the tax assessor has been sending the
invoices for the property taxes to an address that she
hasn't lived at in you know, fifteen twenty years, even

(08:27):
though she updated her address with the agency. So, needless
to say, there were you know, out of sight, out
of mind, and she missed about three years' worth of
tax payments, and so she was unaware of it until
the property sold in the tax sale, and unfortunately for her,

(08:50):
some kind of way, the tax assessor was able to
send the notice of the tax sale tour even though
she never got the invoices. Wasn't that interesting? Yeah, So
there are a number of reasons in her situation. She's
out of state and she wasn't receiving the invoices, and
this was not her primary residence. And sometimes things can

(09:11):
get overlooked. If you're an investor and you have several
properties that you're paying taxes on, sometimes things can get overlooked.

Speaker 8 (09:19):
If you're elderly.

Speaker 6 (09:21):
And you know you have a fixed income and you
have to decide whether I'm going to buy my insulin
today or whether I'm going to buy my taxes, you
might just buy your insuluince So there could be a
number of reasons, and there's no judgment that your property
could have been sold for delinquent taxes. Whatever the reason is,

(09:42):
there's still hope, okay, And so what we will do is,
as long as we can catch it in enough time,
we will file that petition with the court in order
to redeem your property back, citing.

Speaker 8 (09:56):
All the laws. Because there are laws that.

Speaker 6 (09:59):
Give you enough time to redeem that property and there
are some steps to it. We'd be helped happy to
walk you through it. Each case is different. Some people
you know are just behind, you know, just just a
little bit, and so you know, they may have a
complete year to redeem their property back from from the

(10:22):
tax sell But then others only have thirty days to
redeem their property, so we don't know where you fall
in in that realm. So it's important that if you
get word that your property has been sold in the
tax sell that you began to act immediately, okay.

Speaker 8 (10:40):
And then if you want.

Speaker 6 (10:41):
To just check, just go on the tax assessors website,
type in your property address and just see if you
still own your property, you know, just see if your
name is still listed there.

Speaker 7 (10:54):
And so where do they go to do that.

Speaker 6 (10:56):
It's the Shelby County tax Assessor who is Malvin on
the main web the on his main page, there is
a tab for you to do a property search. Put
your address or your name in and you'll get all
the information on that property.

Speaker 5 (11:16):
And if you see that your name is not on
that it's not on your home, that is your time
to call nine zero one, five four to one help.
That's five four to one, four three five seven, ask
for attorney Monika Johnson to discuss about redeeming your property
back from a tax sale if you have lost your home.
In addition, one of the other services that we provide

(11:38):
is what we call a petition to partition or either
a quiet title that occurs when someone has stolen your home,
be it your relative or a stranger. It does happen.
Those are the other two areas. So to shift back
towards Chapter seven and Chapter thirteen. So we talked about
how what are the reasons why you would be filing
for bankruptcy would fail? Well, if you had a recent

(12:01):
bankruptcy discharge, because you can only file bankruptcy and get
an actual discharge, it has to be eight years or more,
eight years or more before we need to before we'll
be able to get you discharged again. Also, failure to
complete your credit counseling will get you dismissed. If you

(12:21):
have fraudulent behavior, that will get you dismissed. If your
income is too high, you may be required to file
a Chapter thirteen way journer. And then the next thing
that could get you dismissed is incomplete or incorrect paperwork.
Filing inaccurate paperwork can call cause the CORD to dismiss
your case because you have to have your Social Security card,

(12:43):
driver license. But here's where people get stuck at is
their tax return. It's okay if you have a balance
with the irs, but we have to have your tax
returns filed before filing for bankruptcy, because if not, they
are going to kick you out of that plan, all right.
Another reason why they would dismiss you, kick you out
of a plan is if you have recent luxury purchases

(13:06):
or cash advances. So if you make significant purchases or
cash advances light shortly before filing, that may be viewed
as an attempt to defraud creditors. So, for example, you
come to me August one to file bankruptcy, but all
July you've purchased all new appliances for your home, refrigerator, stove, oven,

(13:28):
you have microwaves, You and your wife y'all been out
here kicking it. Y'all got new furniture, new beds. And
then August one you file bankruptcy. Well, they will look
at that as luxury purchases and cash advances and they
will say that's an attempt to defraud the creditor. So
you will still have to pay for those items. So
you don't want to be in a position in which

(13:49):
you have bawled out of control, as we say, or
have made luxury purchases or cash advances prior to filing.
The next reason why your bankruptcy would fail is and
if you fail to cooperate with the court, meaning that
you did not want to give them accurate information you
refuse to attend the three forty one meeting of creditors.

(14:10):
That means that that's your initial meeting where the creditors
would be able to ask you questions because I, as
your attorney, I am right there and you have to
cooperate with the trustee. Another reason would be certain debts.
Some debts like student loans, but there are very limited
circumstances where they can bankrupt it.

Speaker 7 (14:28):
But if you have student.

Speaker 5 (14:29):
Loans, alimony, child support, certain tax that they may not
be dischargeable. Now IRS can get discharged in bankruptcy, meaning
we can eliminate We can eliminate RS debt within bankruptcy. However,
if fraud was proven by the RS, then that cannot

(14:50):
be bankrupt Also, this is actually how my soaby started.
You cannot bankrupt child support. You're gonna have to be
able to pay child support. Attorney Johnson. One of the
things that I heard another attorney say, and I know
I'm putting you on the spot here, but if someone
passes away but they have an estate that a mother

(15:13):
of a child or the surviving parent of a child
can make a claim against the estate for child support.

Speaker 7 (15:19):
Have you ever had any experience with that.

Speaker 6 (15:22):
I have not had experience because thankfully my clients have
been they have been very good about paying their child
support and so there have been no arrears that anyone
would have to make a claim on.

Speaker 8 (15:41):
But you're correct.

Speaker 6 (15:42):
Whenever a full estate is opened in probate court for
administration in the state of Tennessee in Shelby County, if
your personal assets exceed more than fifty thousand dollars, that
means your bank accounts. And if those personal assets exceed

(16:03):
more than fifty dollars and it needs to be administered,
then creditors not and of which your you know your
child's parent may be, all creditors have a right to
make claims against the estate. Again, that's if the estate
is over fifty thousand dollars, it's a full estate, it's

(16:26):
open because that means that estate may have assets that
can pay some of the some of the decedents expenses.

Speaker 8 (16:36):
If you have a situation.

Speaker 6 (16:38):
Like that, just know what we do at Legacy Lawyers
Group is we challenge all claims on estates because we
don't believe that your loved ones necessarily we're trying to
leave you in debt, Amen, and especially if it's an
unsecured debt, we would challenge that. But yes, I think

(17:00):
that we would be hard pressed by a court to
challenge child support because what will happen is the court
is gonna say, no, this is an obligation of the estate.

Speaker 8 (17:12):
Yeah, and so that is going to come out first.

Speaker 6 (17:15):
Expenses come out first, and then whatever is remaining is
distributed among the beneficiaries.

Speaker 5 (17:22):
So if so, let's just say, for instance, my ex husband,
we divorced in twenty seventeen.

Speaker 7 (17:29):
He owns his home.

Speaker 5 (17:30):
He does not have a formal estate, you know, he
didn't have a will, but he does have a house
and his next akin, because keep in mind we're divorced,
his next akin, you know, are his children. Can the
children then file a claim against the estate to be
able to get the proceeds to be able to take
care of child support?

Speaker 7 (17:51):
So like say, for instance.

Speaker 5 (17:52):
If dad remarried some other woman, you know, and then
can they make a claim against the house if they're
going to sell to be able to get the proceeds.

Speaker 6 (18:01):
Okay, remember we were talking about personal property assets not
real property, because there is a lot of exceptions when
we're talking about someone's home or residence. When we're talking
about probating in the state we're talking about that is
state having personal property assets over fifty thousand dollars.

Speaker 8 (18:22):
If we're just if the only thing that you.

Speaker 6 (18:25):
Have is your home real estate, and we we probate,
that will form muniment of title in order to transfer
the title to the individual you're leaving the home for.
That is not open to creditors. Got okay, that is
not open to creditors.

Speaker 5 (18:41):
All right, Okay, So these are the four things that
you need to do to not do. These are the
four things you should not do before filing bankruptcy.

Speaker 4 (18:50):
All right.

Speaker 5 (18:51):
Do not make any large purchases to any unsecured creditors
prior to filing, especially if the creditor is a family man. So,
for example, if I know that I'm going to file
bankruptcy August one, I do not need to Let's say,
friends of our borrowed one hundred thousand dollars from Monika. Okay,
I should not pay back that one hundred thousand dollars

(19:13):
July the fourteenth, knowing that August first that I am
going to file bankruptcy because on the only creditors that
you should continue to pay prior to and even after
filing bankruptcy are secured creditors such as mortgages, car payments,
and any other necessary expense, rent utilities. But by no

(19:35):
means do you want to give someone a lump sum
of money, because they will get that money right back
from them. If you have made one or several payments
a total six hundred dollars or more to anyone that
is a unsecured creditors within ninety days of filing, the
trustee can demand that they get that money back. So
do not make any payments, any large payments to any

(19:58):
of your unsecured credit The next thing that you have
to remember is do not give away, trade in, or
sell anything that includes money, cars, real estate, jewelry, personal belongings.
I can say, oh, well, you know, I'm gonna give
away my mom's you know, diamond tennis bracelet. I had
an asset, but I really want my daughter to have it,

(20:20):
so I'm gonna give it away. No, the bankruptcy court
can review that as being a fraudulent transfer of assets
before filing. Filing bankruptcy. So if you're in if you
are in bankruptcy, you cannot transfer any property without the
trustees' permission.

Speaker 7 (20:40):
So got it.

Speaker 5 (20:41):
Technically your property is owned by the bankruptcy estate, so
it does not fully belong to you until you get discharged. Therefore,
you cannot just give it away. Next, do not incur
any new debt prior to filing. Running up new debt
when you know that you're in bankruptcy is considered fraudulent.
Debt's and curved fraudulent fraudulently are not dischargeable. So, for example,

(21:07):
you want to file bankruptcy August one, so you go
out and get the credit card we talked about this earlier,
and then on that credit card you charge it up
with all the things, all the bells and whistles are
things that you desire, and then you turn around a
file bankruptcy. These are things that you should not do.
You should not trade in or give away any of
your assets. You should not make any large payments to

(21:27):
unsecured creditors. And then finally you absolutely, you absolutely must
make your payments to your secure creditors on time. So
when you file bankruptcy, this is something to know your
automatic deductions will stop even without you saying anything. You
file bankruptcy, automatic deductions will stop. So we'll talk about

(21:51):
that more.

Speaker 1 (21:51):
All right, sounds good. You ladies are off to a
good start. If you've just tuned in, we are talking
with our attorneys. Attorney Monika Johnson is here to help
you out with wheels and trusts and property and all
that good stuff.

Speaker 4 (22:04):
Attorney Ursula Willits.

Speaker 1 (22:07):
Is here from the bankruptcy firm for Titland Escrow and
not on one correct the ladies give good information 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 two will get
you in to us. You can't call have a question,

(22:29):
email me Bev Johnson at iHeartMedia dot com. Bev Johnson
at iHeartMedia dot com.

Speaker 4 (22:39):
We're going to the other side of the Rev Johnson
Show right here on doub d i A.

Speaker 2 (22:47):
Whether you're in Arkansas, Tennessee, or Mississippi on Facebook, Twitter
or Instagram. Thank you for listening to the Bev Johnson
Show on doub d IA Memphis.

Speaker 3 (22:58):
Bev jon showing that's just a show bill t time

(23:47):
with this talking and home. Awhere, howbout you go?

Speaker 1 (23:53):
You go?

Speaker 3 (23:55):
Son't get ready and it's time about.

Speaker 9 (23:59):
Just let's go.

Speaker 3 (24:05):
Makeild by hered.

Speaker 10 (24:13):
Listen to what to you know?

Speaker 3 (24:16):
It's time about to fish.

Speaker 8 (24:21):
Show Lucky.

Speaker 3 (24:22):
Let's go.

Speaker 1 (24:34):
Good afternoon and welcome back to w d I A
the hard and soul of Memphis. We are asking our experts.
They are Attorney Ursula Woods, Attorney Monika Johnson is in
the house.

Speaker 7 (24:48):
Ladies.

Speaker 1 (24:48):
We're going to the phone lines to talk to some
of our listeners and we're starting off with Dennis.

Speaker 4 (24:56):
Good afternoon, Dennis, how are you you doing well today?
What do you say?

Speaker 11 (25:03):
Okay, I like to ask you the atturn It is
a question. Uh, my parents, both of our parents deceased
and they left us a home. And but we think
at one point he oh some money to the RS
or the state uls of taxes back taxes. We're not

(25:25):
sure if it's paid off or not. But we kill
us scared, reluctant to uh to call them and opened
up the can of worms on it. And uh, we're
just really trying to whever we're paying a tax, the
taxes are paid up, but we just don't know exactly
how to approach the situation because we need to try
to get the house in one of our names of

(25:47):
what you get insurance and stuff on them, iuse right now,
it's in our parents is still in our parents' name,
and we're kind of scared to open up to call
and and then and check on it because we're just
scared that they might, you know, try to take home
or come up with something you know out writers that

(26:08):
we're not able to handle. So can you kind of
direct me on a way to go on that. Yes,
are we trying to get the house. We need to
get the house and one of the children I so
that you know, we can insure it and stuff like that.

Speaker 6 (26:25):
Okay, let me ask you a few questions before you
hang up, and then I can respond to your question.
You and you stay on the line. Okay, when did
your parents pass away? And how long have they been deceased?

Speaker 11 (26:43):
It's been ten years, okay.

Speaker 8 (26:45):
Ten years?

Speaker 6 (26:46):
Maddens because of you know, there's a statue of limitations
on what creditors can come against. Now, you you mentioned
a couple of things about you said, I arrested it.
Then you said tax tax payments, and I think you
were talking about property taxes when you were saying that
the taxes are up to date. You mean property taxes.

(27:10):
The last question is who's whose IR s Dad is it?
Was it one of the decedents or was it one
of your.

Speaker 4 (27:19):
Okay?

Speaker 8 (27:20):
And was it Mom or Dad?

Speaker 1 (27:24):
Dad?

Speaker 8 (27:24):
And then how long has Dad been deceased?

Speaker 4 (27:29):
Okay?

Speaker 7 (27:30):
So then you said that you called, and then okay,
so you're just they're afraid to call.

Speaker 6 (27:39):
Okay, I got it, which you know, I understand taking
those precautions.

Speaker 8 (27:43):
I would say that you were smart to do that.

Speaker 6 (27:46):
But basically what happens is, yes, because I'm assuming Mom
and Dad did not have a last will and testament,
and if that's the case, state law dictates who the
heirs are are at law, who are entitled to receive
that property, and that would be all of Dad's biological children,

(28:08):
you know, whether living or deceased. And so when we're
talking about transferring the property, there is a process where
you can transfer the property to those who have inherited.
But I was concerned because once you transfer the property
to those individuals who have inherited, all of the children

(28:29):
will be on title, and if any of them have
leans and judgments. You understand, like irs debt and so forth.
It could then attach to the home. So if you
all know which sibling you're going to transfer the home too,
and everybody's in agreement, then you can do it simultaneously

(28:52):
without putting all of those heirs on title. You would
file the deed where all of those heirs transfer the
title or transfer their interests in the title.

Speaker 8 (29:04):
To one child.

Speaker 11 (29:06):
Okay, were about.

Speaker 6 (29:14):
Well, the first thing that we're gonna do when we're
when we're looking at these affidavits of airship that we
have to file in order to show you know who
your dad Dad's heirs are at law, we're also going
to look at the property and we're gonna look and
see if if if there is a mortgage on it,
or if there are leans and judgments, and we're gonna

(29:35):
let you know that as before we transfer the property
to all the heirs.

Speaker 8 (29:41):
You can do that as well.

Speaker 6 (29:44):
You can you can do a public record search under
your dad's name on the Register of Deeds website and
it will show you if there is an irslean. Usually
they have a statue of limitations in there. They have

(30:05):
a date that that lien.

Speaker 5 (30:07):
Will end and the general debt, the satul limitation is
ten years for judge. The general statute of limitations for
IRS debt is ten years unless there was fraud that
was found. So when you see a judgment, you're going
to see when that's out. So let me give you
an example. There's a client that we had that came
in and we paid off her debt and she said, well,

(30:28):
I don't see.

Speaker 7 (30:29):
The release right.

Speaker 5 (30:30):
Well, she will get a release because we actually paid
off the debt prior to the expiration. But if you
allow an IRS debt to remain out there and you
don't pay it, there is a statue of limitations of
ten years, and that document is self releasing. You just
would have to you know what, give us a call
a one five, four to one help because what I do, yes,

(30:53):
And this.

Speaker 6 (30:53):
Is exactly the situations we try to help our clients
through because it could be a situation where there's wealth
children and we need to strategize with you and see
where all the heirs are and then we need to
make sure we have all the appropriate airs right.

Speaker 5 (31:08):
And so one of the things that you said is
that you want to transfer the title to one of
the children. In order to do that, we would need
to do that be a warranty deed or a quit
claim deed.

Speaker 7 (31:23):
Yes, yes, yes, yes yes.

Speaker 1 (31:29):
When you call there, tell them you call the radio
station and and you like to make an appointment to
see attorney Johnson or attorney Woods.

Speaker 5 (31:38):
And one of the things that you said was you
were afraid that they'll take the home. Nobody can take
that home from you. Nobody can take that home from
you unless they have a secured mortgage, you know, like
a mortgage company, or a lack of payment of the insurance.
But other than that, nobody can take the Not even
the r S is going to come in and just
simply take it on an expired debt. Hey insurance Okay, okay,

(32:13):
thank you, Tonis.

Speaker 4 (32:15):
Bye bye, thank you. Dennis. Yeah.

Speaker 6 (32:17):
One thing I want to say, bev is as far
as the insurance, because I get that question quite a
bit with people who have inherited property. And I've talked
to some of my insurance agents, uh really Sanders being
one of them, And all you have to do is
show that you have what's called an insurable interest, even

(32:37):
if the hat.

Speaker 7 (32:38):
Olympic doesn't context.

Speaker 5 (32:39):
Because because I was getting ready to talk about what
she's referring to right now is if you own home,
you inherited this home, right mom dad passed away, one
of the relatives are you living in the house. And
just like this man just called, he's like, we need insurance.
We do not want you to be in a home
without insurance. That's what I can get insurance.

Speaker 6 (32:59):
So you can insurance. And it's called an insurable interest.
So when you call your real estate agent, and like
I said.

Speaker 7 (33:06):
Really your insurance.

Speaker 6 (33:07):
When you call your insurance agent, you let them know.
They'll they'll pull it up and they'll see that these
are your parents, this was your parents' house. You will
give them a copy of your parents death certificate and
possibly the obituary to show them that you are in
air and that you have an insurable interest, and they
will allow you to obtain insurance on that property, assuming

(33:33):
the property is insurable.

Speaker 5 (33:35):
And when you call Attorney Johnson, she has connections with
insurance agents.

Speaker 7 (33:39):
We love reala Sanders.

Speaker 5 (33:41):
And Thomas Doubo's Thomasos. We like Leslie Johnson at State Farm.
We have Sanja Hester at at All State as well
as Melissa Vaines at All States, so we have options.
But I had a really really sad story. I think
about two weeks ago where a client came in and

(34:02):
they lost their home. They lost their home that they
inherited to bankrupts. I'm sorry to a to a fire.
So that's the reason why. And then last, but certainly
not least, one of our newest agents, which is Michelle
Hayes with all stays yes, Michelle Hayes, and she she
has a very very sweet spirit. So give Attorney Johnson

(34:23):
a call if you all having any of these issues.

Speaker 4 (34:25):
All right, going back to our phone lines to talk
with you. Thank you for waiting. Hey, Clyde, you got.

Speaker 12 (34:32):
It, Clyde, lady doing.

Speaker 7 (34:35):
We're doing well, Clyde.

Speaker 9 (34:37):
Fail you.

Speaker 12 (34:40):
For a friend of mine, he's playing on a house.
Well he's staying one. We call it when you uh,
association fee and you don't know how he' yeah, he
don't know.

Speaker 13 (34:56):
He own association fee like you used to be because
he didn't like how he was taken care of. So
he's trying to see if he sell his house, would
he have to pay the associationcies what he owe?

Speaker 10 (35:10):
All?

Speaker 11 (35:11):
How would he go back?

Speaker 10 (35:13):
And I know he's listening.

Speaker 7 (35:14):
Okay, all I want to shout out everybody that calls
over your friend.

Speaker 4 (35:23):
Thank you kill me, call over here for a friend
and that'd be serious.

Speaker 7 (35:26):
They'll call back and say, my friend said, my friend.

Speaker 5 (35:30):
You know what, So shout out to everyone that's bold
enough to first off ask a friend to call in,
you know what I mean? Because that's that's huge too,
because you've exposed yourself. You allowed yourself to be vulnerable
to your friend, and then shout out to the friends
that make it right.

Speaker 7 (35:45):
I think when of God think you would do that
for me?

Speaker 8 (35:47):
Definitely. It reminds me of the friend.

Speaker 6 (35:53):
That lord her sick friend in the house so that
Jesus could heal him his mind.

Speaker 8 (35:58):
What kind of friend.

Speaker 6 (36:00):
But get on top of a roof nook. I'm not
asking you to heal me. I'm asking you to do
something from a.

Speaker 5 (36:06):
Friend that blesss me, that blesss me to that that
they did that, all right. So the first thing is
Clyde was sharing that this particular person wants to sell
their home and have hoa. Let me just share this,
and I do want y'all everybody within the sound of
my boy to hear me loud and clear.

Speaker 7 (36:24):
Give me two seconds.

Speaker 5 (36:25):
Hold what you got, pay your hoa because they can foreclose,
all right? I'm gonna say it one more time, pay
your HOA because they can foreclose on your home. Everybody
go back to doing whatever you was doing, all right,
But I do want you to know that if you
have a homeowner association, that particular association.

Speaker 7 (36:47):
Can foreclose on your home.

Speaker 5 (36:49):
There are three, and I'm not gonna call them by name,
but I've been working very closely with Mike McGee. He's
on the board of an HOA company of about three
condo associations, right, and he and I have been having
dialogue along with the property manager because we've been talking
about how they are going into some of these apartment
condo complexes and turning them over into good They're going

(37:12):
in making sure that the water bill is paid. Now,
if you all know which subdivisions I'm talking about, one
of the complaints you're gonna have is but they not
cutting the yard, right, No, they are not, because they
have to take the money that they can receive from
the owners and do the work that they can get done,
such as making sure that everything is secure, making sure

(37:32):
gates are working, making sure that the water bills are paid,
because some of these condos pay the water bill. But
if you as the attendant are as a condo owner
and not paying your HOA, then how your water bills
getting paid? So they have to go in and take
care of that. So just know that they can foreclosed.
So if you're going to sell a home and you
have back taxes or delinquent HOA, you do not have

(37:57):
to pay them in advance of the actual closing because
we will pay them at closing. Same thing with mortgage,
property tax HOA, any type of leans or judgments IRS
lean if it's against your home, you do not have
to pay this in advance of the closing. We will
pay for this at the closing table, so you don't

(38:18):
have to worry about Now you may sell on the
opposite side.

Speaker 7 (38:20):
Well, I hate my HOA. I don't want those people
to get paid. I didn't like them.

Speaker 5 (38:24):
Well, what you should have done, this is gonna sound
a little snarky, but what you should have done was
joined the board. And I'm not trying to say it
to be snarky. And I know you're getting ready to
sell it now, but it's really for those who are
still in their homes and they hate their HOA. Join
the board, become an active member of your HOA. Make
the changes that you feel as though need to be changed.

(38:47):
Attend the meetings, let the president know what the issues
are and what they're not. If you think that there's
a different approach, to join the board, to become an
active member so that you can suggest those changes. But
by all means, make sure that you pay your fees.
And yes, you can sell your home. No, you don't
have to pay your fees in advance. Yes you will
have to pay them at closing.

Speaker 6 (39:07):
And let me just say that you know because you
don't like your HOA and you don't want to pay
the fees, and you're like, I didn't agree to this,
I don't want to do this. You actually did agree
to it when you signed, when you obtained, when you
purchased that property, and you were given a deed to

(39:28):
that property. That deed came with terms and conditions. It
was subject to your homeowner's rules and conditions, which includes payments,
which gives them the authority to also foreclose if you
don't make the payments. So, if you have an HOA
in your neighborhood, that means there are some restrictions on

(39:51):
your deed and you should become familiar with it and
you should pay your homeowners association fees if you want
to continue to be in good standing with that HOA.
And I and I agree with your sentiments that if
you want to see a change, become the change. Get involved,
because you can't. You can't just get rid of it.

(40:14):
There's restrictions. It is on your deed that you accept it.
And so you can't get rid of the HOA just
by saying I'm not going to pay them, So that
the second thing is to get involved, Get involved and
change it around, making sure that the you know, the
lights are properly working the yard, the yards are cut,
the common areas are clean.

Speaker 8 (40:36):
Get involved, but you cannot ignore it all right, Yeah.

Speaker 4 (40:40):
Back to our phone lines to talk with you high caller.

Speaker 12 (40:44):
Hello, Hi, or.

Speaker 10 (40:48):
How are you doing just great?

Speaker 9 (40:50):
Doing just great?

Speaker 6 (40:51):
Oh?

Speaker 9 (40:51):
I got it.

Speaker 14 (40:53):
I have two quertions. I hope I can get both
of them every quick.

Speaker 10 (40:56):
One is dealing with if you get a.

Speaker 14 (41:00):
Property assessors a property assessor on your property and you
disagree with it, and they set you up for a here,
do you need to have an attorney to go with
you or do you just go down there and try
to work it out with them by yourself.

Speaker 5 (41:17):
You can you can go by yourself, or you can
hire an attorney. There are certain attorneys that handle cases
like that. I used to handle them, but not anymore.
You need to make sure that you have all of
your evidence as to why you feel as though your
value is not where it should be. And you can
call down and talk to them about what you should

(41:37):
expect in the hearing and what documentation that they would
require so that you could go to the hearing.

Speaker 14 (41:44):
Okay, so you would do that the prior to going
for the hearing, to hearing having them, they say they're
gonna send me a letter saying when the hearing would
be set up. So I would just want to no, no,
I would.

Speaker 7 (41:53):
Hire an attorney.

Speaker 5 (41:55):
No, you're saying what I know, I would hire I
even like seriously, I woods I would hire an attorney
to go to that hearing, because I would I don't know.
I wouldn't want to defend myself. But I do know
some individuals who do it themselves. I won't say their
names because I've been in hearings with them before, but

(42:16):
these are most people who do it themselves, have commercial
properties and lots.

Speaker 7 (42:21):
Of them, and they're very experienced in those hearings.

Speaker 15 (42:24):
Right, well, mans is just dealing with It's still an
issue where if you've been charging a person said for
a piece of land, say it was worth twenty thousand dollars,
and all at once these things are saying, oh, well
that land is really.

Speaker 10 (42:38):
Only worth five thousand dollars.

Speaker 14 (42:40):
Well what about all the money you paid when they
were saying it was worth twenty thousand?

Speaker 7 (42:45):
And oh that's what you So you want to have
a hearing about the past value. Yes, oh, they're not
going to rEFInd you your money. What's your name?

Speaker 14 (42:57):
Orlando?

Speaker 7 (42:57):
Yeah, Orlando?

Speaker 5 (42:59):
Yes, okay, so let's talk about it all right, So
things can be valued at twenty thousand one day and
then no, I'm gonna give you a better example. My
house was valued at well, not my house, but let's
just let's say eight house was valued at eight hundred
and fifty thousand.

Speaker 7 (43:15):
Right.

Speaker 5 (43:16):
Then I came back and I looked, No, let me,
I got a rental property. The rental property was worth
thirty five thousand when I bought it. Then turned around
the house was worth one eighty. Then I looked again,
maybe that was during the pandemic, right after the pandemic.
Then I looked maybe about maybe six months ago, the
house was worth one fifty, right, So the value has

(43:37):
changed based upon what has sold within the last year
six months to a year within a one and a
half miles to three mile radius of a piece of property,
and that can fluctuate. And no, they're not gonna give
you a refund for the past year taxes because it
was valued.

Speaker 7 (43:55):
It was valued higher than the neighborhood.

Speaker 5 (43:58):
May have gone down, or people may stopped buying in
that area, or maybe some people sold their house for
too low in that area, so then the value went down.

Speaker 14 (44:07):
Okay, so this is worth going down there for the
I mean.

Speaker 7 (44:11):
You already have the appointment.

Speaker 6 (44:13):
Why not go well, I mean, but he still can
you can still appeal today's value.

Speaker 7 (44:19):
They lowered it.

Speaker 14 (44:21):
Yes, I'm just saying if it was you know, reasoning,
it's just the amount to like you just leave it.
The example like one hundred and eighty found then down
to thirty thousand dollars, you know, difference there that you
were paying you know, taxes on and now all at one.
This is like they're saying, oh, well we overshot.

Speaker 10 (44:40):
Well, they ain't gonna say.

Speaker 7 (44:41):
No, They're not saying they overcharged.

Speaker 5 (44:43):
What they're saying is we reassessed and now it's a
lower value, but they're not going to give you a
refund on the higher assessed value because that was a
value at that time.

Speaker 10 (44:55):
Okay, Okay, of course I was going to ask.

Speaker 5 (44:58):
Well, let me just say, and for those that are listening,
the good thing is that can happen in reverse. Your
house can go from being valued at twenty to then
being valued at sixty thousand, literally within a week two
that both of those things can happen.

Speaker 10 (45:12):
Okay.

Speaker 9 (45:13):
So when I go there and I'm basically just going
to say whatever, they are just giving me, whatever decision
it is, I need to live with it.

Speaker 14 (45:20):
And that's pretty much what you're.

Speaker 5 (45:21):
Saying, I would just since you're going to ask them
for back tax reduction, I would.

Speaker 7 (45:26):
Ask, I mean, that's just me. What do they say?

Speaker 5 (45:29):
But no, right, you already have the hearing that's coming up.
You're going in there and asking it's just a hell
Mary passed. If it's a hell Mary can pass, I
would just ask, you know, can you make an exception
in this instance to reduce my taxes from prior years?
Considering that there has been a huge reduction in the
current year. I mean, you're you're just asking. There's no
precedent there that would they would allow.

Speaker 7 (45:51):
It's all right.

Speaker 4 (45:53):
The second question, I just yeah, I just thank you.

Speaker 9 (45:57):
The other question is is that deally with trying to
find attorneys for take f in some I was with
the NACP, and this is a year I haven't re.

Speaker 14 (46:10):
Enrolled with them. Some of the things that I'm finding
out in our city with companies that overcharging people for
everything you come to your homes and things like that,
and I'm trying. You know, you find attorneys easily for
auto accidents and things of that, motorcycle accidents, and they
advertised that all the time on radio, I mean on TV.

(46:30):
But as far as a case like of a person
comes to a well, let's say you carry your car
in for some work and the person fixed what they
said that you brought the car in for, but they
take up something else, so you have to bring the
car back. And finding attorneys that handle those types of cases.

Speaker 9 (46:49):
If I have a dispute with the business that comes
into the home or come into my work on my
car and they say, oh, okay, we got that fixed,
but while the car was in your shop something they
did something else to the car and messed up something.
Or they come out to your house for air conditioning, refrigeration.
They go up there and they say, oh, you need
a new heater core and it really ain't a heater
of corn enough.

Speaker 7 (47:09):
You call another person that say, oh, you just have
a you need to breach your contract.

Speaker 4 (47:16):
You need a litigator.

Speaker 7 (47:17):
So you need a litigator.

Speaker 5 (47:18):
But here, hold on, let's let's let's let's first talk
about something you can you can call and ask for referrals,
or you can call the Memphis Bar Association. But but
before you before I break that down, let's just let's
I want to unpack that, all right, So let's talk
about it.

Speaker 7 (47:34):
Let's go with the exact example that you gave. You called,
you know, ABC Heating air.

Speaker 5 (47:40):
Company to do a job. They came out, they told
you that you needed new heating coils. You call X
y Z Heating company. They said, no, you actually need
a new unit. Just making up you know two different things.

Speaker 11 (47:54):
You have.

Speaker 5 (47:54):
The first thing, in order to hire an attorney, most
attorneys charge anywhere between five thousand and let's say twenty
thousand to litigate a case. I personally don't know anybody
who would probably li the case litigated case for less
than three thousand dollars.

Speaker 10 (48:11):
Okay, okay, So that.

Speaker 7 (48:14):
Is for the most minimal of case to do it
for three thousand, Okay, they.

Speaker 14 (48:19):
Do they charge if they gonna win the cave. Do
they charge that charge to the person that we are
threwing for that or is it charge to the person
that hired their attorney.

Speaker 5 (48:29):
It's a person. It's a person who hired the attorney.
If you're coming to me for a breach of contract,
you have to pay me. This is at the bare minimum.
I wouldn't take this case for three thousand. At the
bare minimum, I would probably charge eight. But let's just say,
for instance, you found somebody because it's a lot in litigation,
there is a lot involved, so you you you pay

(48:49):
them three thousand dollars to argue a breach of contract case.
The case, the question is going to be how much
was it to replace the unit? How much was it
for the coil? See what I mean? So then when
you call these attorneys and they decline the case, it's
not that they don't handle your case. They just know
that there is no money in the case. So if

(49:09):
you're telling them you want them to handle the case,
and then they quote you a fee of eight thousand,
five hundred and to replace the coil or whatever your
damages were were only fifteen hundred dollars. You're going to
think that's crazy, okay, So you have to then ask
you And then here's another thing that people have to consider,
what are your damages?

Speaker 7 (49:29):
So say, for instance, I just go a little bit further.

Speaker 5 (49:32):
Let's say, for INDs, the man came in your house
and he tracked mud throughout the house and curse you out.
Then you may say, well, I want to sue him
because he caused me emotional distress.

Speaker 7 (49:43):
Well, I would need to be able.

Speaker 5 (49:44):
To approve the emotional distress, so then you'd have to
go to therapy or regarding emotional distress. So like, for instance,
somebody said, well, Earthly, you only take easy cases. No,
that particular lady wanted to commit fraud. I'm not about
to commit fraud nor lie on your behalf. So it's
not that your case. I won't take a hard case.
I'm not going to take a case where you lying

(50:04):
because I'm not going to jail for anybody. And neither
way anyway, that's up to her, so you get it.
So you who you call to get a referral is
I would call another attorney. You have us, we have
litigators that we can refer you to. You can call
the Memphis Bar Association. You can call the Tennessee Bar Association.

Speaker 7 (50:23):
And then you can also.

Speaker 5 (50:24):
Call Memphis Area Legal Services. Memphis Area Legal Services gives
free legal assistance.

Speaker 7 (50:34):
There's also another company.

Speaker 5 (50:37):
Services, Yes, yeah, Memphis Area Legal Services. So you can
get a litigator or either a contract attorney.

Speaker 10 (50:46):
Yeah.

Speaker 14 (50:47):
The thing that the thing that really started this course
and is that I carried my automobile into a shop
and they fixed they damage that I wanted them to
send it.

Speaker 10 (50:57):
It was like upholstery shop, let's say.

Speaker 14 (51:01):
And why they headed in there, they tow up some
other stuff so that you would normally, you know, when
you see that, you're gonna.

Speaker 12 (51:07):
Say, oh I need to carry this and let them
be in this too.

Speaker 10 (51:10):
But you know all the time that that wasn't that.

Speaker 14 (51:13):
Damage wasn't there when you carried.

Speaker 15 (51:15):
It into their shop.

Speaker 10 (51:16):
They created the problem when they headed in the shop.
So now you got to go back and try to
tell me, oh, well we didn't really do that. Oh yeah,
you did it.

Speaker 11 (51:25):
So.

Speaker 1 (51:27):
Get the advice that the sisters have given you. Call
those places so you can get a livigator. Okay, thank you,
thank you, Orlando. Okay, hold on, callers, we're going to
take a break and be back. We're going to get
your questions. Next with Attorney Monika Johnson and Attorney Ursula
Woods right here on w d I A.

Speaker 2 (51:53):
Got something to say?

Speaker 10 (51:55):
Say it?

Speaker 2 (51:56):
Next with Tennessee Radio Hall of Famer Bev John's a.

Speaker 7 (52:00):
On w d I A the bab Joson Show.

Speaker 2 (53:01):
You're listening to the Bev Johnson Show. Here's Bev Johnson,
and we're back.

Speaker 1 (53:07):
With Attorney Ursula Woods and Attorney Monika Johnson. Ladies, we're
gonna go back to our phone lines and talk to
one of our listeners.

Speaker 4 (53:17):
W d I A Hi caller, Hey, hey, how are you.

Speaker 10 (53:25):
I'm doing?

Speaker 4 (53:26):
Is common man?

Speaker 7 (53:27):
Hey?

Speaker 4 (53:27):
Common man? I know I didn't I didn't catch he's
trying to change his voice or so.

Speaker 10 (53:36):
This is my birthday boy?

Speaker 1 (53:37):
Okay, okay, okay, okay, okay, common man, okay.

Speaker 10 (53:42):
Okay, what's going on? How you doing, Attorney Wood?

Speaker 11 (53:45):
How you doing?

Speaker 10 (53:46):
Attorney Johnson?

Speaker 6 (53:48):
Thank you?

Speaker 10 (53:50):
Okay, okay, I just called in right quick attorney Woods
to shout out to you and say, I hope you
have had birthday.

Speaker 7 (53:57):
Thank you having me.

Speaker 4 (54:02):
Breaking flowers and cake. And what did he say last
time he called in?

Speaker 8 (54:06):
It's a birthday and you're just calling in coming in?

Speaker 10 (54:10):
Well see, well see we gotta I gotta try to
have a conversation with her because you got that little booth.
I don't remember.

Speaker 4 (54:19):
All up in my pitches for my birthday.

Speaker 10 (54:22):
You got, you know, so I gotta see if it's
gonna be two of us, two of those three of
us sitting there to day.

Speaker 7 (54:28):
You know, right, three is a crowd. Did you have
a good weekend coming man?

Speaker 10 (54:36):
Oh yeah, yeah, yeah, everything's been good for July was
nice with the family and all that, so you know
everything's been good.

Speaker 5 (54:43):
Do you have any legal questions or coming tarry on
anything we've discussed?

Speaker 10 (54:49):
No, no, uh huh.

Speaker 7 (54:52):
You know what I did for my birthday coming man.

Speaker 10 (54:55):
But you probably went on the cruise. You probably was
in another country like.

Speaker 5 (54:59):
To be was I really, I really wish I was,
But attorney went Nita Johnson shout out to her and
Angela Wright. In April Toober with Gabby Grace, they threw
a beautiful party for me. We learned it is gonna
be a very old lady thing veilves. We learned how
to repot plants. We learned how pot plants. So we

(55:23):
went out to Urban Earth Nursery in Memphis, Tennessee, and
we learned how to repot plants. And so I just
want to tell everybody that if you're going to repot
a plant, one of the things you want to do
when you take the old plant out of the pot
and get ready to put into the new one is
make sure you look at your roots to make sure
they're not root bound. You can google with root bound mean,
but if they're too tightly all around your dirt, you

(55:46):
want to loosen up that dirt, get them nice and loose,
and then put them in good soil.

Speaker 8 (55:51):
And you know, I never knew that until yesterday.

Speaker 7 (55:53):
Yep, that would me neither.

Speaker 10 (55:56):
Yes, So the place that you I went to, was
it like a facility, Well, yeah, residents and stuff like that, No,
it was.

Speaker 7 (56:03):
It's called Urban Earth. It is a it is a nursery.

Speaker 5 (56:07):
It is a hard of culture nursery for plants and
trees and shrubbery and things like that. It's across the
Street from the training facility for the Memphis Fire Department.

Speaker 10 (56:20):
Okay, okay, was really good. Okay, well, yeah, I just
wanted to call and acknowledge and uh birthday. You know,
I wasn't gonna forget. You know, every time I look
at the calendar, all I see is you lie twelve.

Speaker 7 (56:37):
Thank you?

Speaker 10 (56:39):
Okay, yeah, yeah, you too. I left my number. Oh,
I do have a question for you when you get
a chance to call my mission call the last time
I can have a question. I want to ask you
about some property.

Speaker 7 (56:51):
Okay, you called? Did you call the office? Did you
call the office?

Speaker 5 (56:56):
Yeah, okay, I'll call you when I get back. We're
in the office on real I'm sorry, we're in here
on real time, so I'll call you when we get back.

Speaker 7 (57:02):
Right, all right, thank you, comming man.

Speaker 10 (57:05):
All right, bye bye, all right, talk you'll lady you too.

Speaker 4 (57:08):
Yeah, ladies. Any other things we like to tell our
listeners today.

Speaker 5 (57:11):
Yeah, one of the callers early earlier, the one about
litigating the case, that that's close to my heart because
I think I never really thought about it. But we
probably need to discuss that more, maybe on our next show.
I think we were back on the twenty we just
said it. The twenty eighth to twenty ninth, twenty ninth,
we're gonna when we come back to this show on

(57:32):
the Beth Johnson Show. On the twenty ninth, Attorney Johnson
and I are going to discuss self help things, things
that you can do to help yourself in legal situations.
Things that you can do to help yourself like legal situations.

Speaker 7 (57:47):
You can go to my dm is. I'm at you,
j Woods ESQ. You Jay Woods ESQ.

Speaker 5 (57:54):
If you put in Ursula Woods, you'll see my brown
face on everything.

Speaker 7 (57:59):
You can DM me on any platform. I do not care.

Speaker 5 (58:01):
But if there's a certain area in which you have
a question or concerned, please DM me.

Speaker 7 (58:06):
But my intent is to come back.

Speaker 5 (58:08):
But one of the things that one tip I do
want to give before we come back with self help
resolution for legal issues is read read, read read your
contracts before signing. Bev and I used to talk about
that a lot in the beginning. I want to move
back to that. Before you agree to hire a professional

(58:29):
to do a professional service, make sure you read that contract.
Make sure that you're in agreement with everything it says.
If you have any objections, you need to discuss it.
Then and if you say I can't read ten pages
in an hour, tell them to send it to you
in advance.

Speaker 7 (58:43):
You need a day to be able to review it.

Speaker 5 (58:45):
Read one page at a time and then write down
your questions and then go back to it or ask
a friend to help you read it, and then you
all pontificate on what questions are issues that you may have.
When we come back on the twenty ninth, I believe
we will justus different ways in which you can help
yourself out of legal situations. I'm attorney Ursula Woods with

(59:07):
preferred title Bankruptcy Law Firm nine oh one car Wreck.
My number is nine zero one five four to one.

Speaker 7 (59:13):
Help.

Speaker 5 (59:13):
If you have any questions regarding any legal matters real estate, bankruptcy,
personal injury. If you hurt call Earth nine zero one,
five four to one help nine zero one five four
one four three five seven.

Speaker 7 (59:27):
Let's keep the conversation going.

Speaker 8 (59:29):
And Hi, I am Monika Johnson.

Speaker 6 (59:31):
If you have a contractual question, if you need help
with wills or trust, or you're dealing with a real
estate issue where you need to redeem your property, or
someone has stolen your property away from you, give me
a call. I would be glad to help you with
any of those issues, including probate. That number is nine

(59:51):
zero one, five four to one.

Speaker 7 (59:54):
Help.

Speaker 8 (59:54):
Attorney Woods and Attorney Johnson, thank you.

Speaker 9 (59:58):
I like it.

Speaker 1 (59:59):
I like it with my just as Attorney Ursula Woods
and Attorney Monika Johnson.

Speaker 4 (01:00:03):
Always good, good information you all share.

Speaker 7 (01:00:06):
Thank you all.

Speaker 4 (01:00:08):
Appreciate you.

Speaker 7 (01:00:09):
Appreciate you.

Speaker 4 (01:00:09):
Yeah, I want to thank you callers.

Speaker 1 (01:00:16):
I want to thank you listeners for joining us this
day on the Bev Johnson Show.

Speaker 4 (01:00:21):
We do, we really do appreciate you.

Speaker 1 (01:00:25):
So until tomorrow, please be safe, keep a cool head, y'all,
don't let anyone steal your joy. Until tomorrow, I'm Bev Johnson,
and y'all keep the faith.

Speaker 10 (01:00:41):
The views and opinions discussed on the Bed Johnson Show
are that of the hosts and callers and not those
of the staff and sponsors of w t i A

Speaker 1 (01:01:03):
The