Attorney Ursula Woods & Valencia Gathwright

We're "Asking the Expert" with Attorney Ursula Woods and Realtor Valencia Gathwright on The Bev Johnson Show on WDIA Radio.

Episode Transcript

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

Speaker 2 (00:04):
Let me say, Beth, I've.

Speaker 3 (00:08):
Got me sir.

Speaker 4 (00:14):
Let me you say.

Speaker 3 (00:18):
She's gone memphistop game.

Speaker 5 (00:25):
No matter of the problem, she can have.

Speaker 3 (00:28):
So a phone and a normas your mind.

Speaker 5 (00:35):
She jim me ding in the hair by challing you
to just keep them.

Speaker 2 (00:45):
When around.

Speaker 5 (00:46):
I'm picking out Bis Johnson Show.

Speaker 6 (00:49):
Be got out in the every youn here every day
uded I hate my bell gotten you have misspping.

Speaker 4 (01:44):
Good morning, good morning, good morning, and welcome into w
d i A. The Reb Johnson Show. It is in
indeed a pleasure to have you with us once again
on this Monday Steptnumber fifteenth, twenty twenty five. Enjoy this

(02:05):
fabulous day to day. Get ready to put your ears
on as we share the good news. The attorneys will
be back in today. Attorney Ursula Woods, Attorney Monika Johnson
is here to answer all your legal questions that you
have and wills and trust and real estate and bankruptcy

(02:28):
and all kinds of good stuff. They will be here
to talk with you. When it's your turn to talk.

Speaker 7 (02:34):
You know you can.

Speaker 5 (02:35):
All you need to do is.

Speaker 4 (02:36):
Dial these numbers nine zero one five three five nine
three four two nine zero one five three five nine
three four two eight hundred five zero three nine three

(02:58):
four two eight hundred five zero three nine three four
two eight three three five three five nine three four two.

Speaker 5 (03:09):
We'll get you in to us. And if.

Speaker 4 (03:17):
This day, this, this this day, Monday, September fifteenth, twenty
twenty five, is your birthday. Happy birthday to each and
every one of y'all out there who may be celebrating
a birthday on this day.

Speaker 5 (03:35):
We say, go out, y'all, go.

Speaker 4 (03:38):
Out and celebrate your life. You better, you better when
we come back, hopefully, Yeah, we'll talk to the attorney's
attorney Ursula Woods and attorney Monika Johnson with me Bev

(03:59):
john Say on the bed of Johnson Show only on
w d i A.

Speaker 3 (05:19):
Your mind.

Speaker 8 (05:22):
To me, really, I'm telling you to just keep the first.

Speaker 2 (05:31):
Rindle appear enough behoving.

Speaker 9 (05:34):
So because girl got here, it's good morning and welcome
back to w d i A the Heart and soul
of Memphis.

Speaker 4 (05:50):
Good to have you here on this Monday, September fifteenth,
twenty twenty five. I hope you had a fabulous weekend.
Well back in thy Helm the sea. She's back, our
attorney friend, our sister friend is like I like to say,
Attorney Ursula Woods is back from the bankruptcy firm nott

(06:12):
O onecarrect dot com preferred title and escrow.

Speaker 5 (06:16):
She is here. And as always we say good morning, sister,
Good morning, sister. How you doing. I'm doing well today?
How are you? I am doing well. I'm doing well.

Speaker 10 (06:28):
Happy to be back here and on the air and
able to talk to our people today.

Speaker 5 (06:33):
So yeah, let's get started.

Speaker 4 (06:35):
And as always we always y'all have to start off
with that famous soapbox.

Speaker 5 (06:41):
So box.

Speaker 10 (06:42):
All right, So right now, this is really just to
encourage everybody. December is coming. December is coming. We know
that winter is coming. And if we know that winter
is coming, we also know that right now there's a
huge crunch right so right now, in my opinion, it's
it's difficult really kind of gauge why the economy is

(07:03):
the way that it is.

Speaker 5 (07:04):
Right, everybody's employed.

Speaker 10 (07:05):
People aren't necessarily looking for jobs, not in Shelby County,
not in the way that maybe they are around the country.
But you still feel that pinch, You feel as though
the money that you're making isn't going as far as
it once did, which is a very valid point. Right,
rent is up, gas is stabilized, but then food is not.

(07:26):
It has increased, so it doesn't matter if we're eating
in or eating out. The prices are atrocious. So as
a result of that, if you know that is the
case and that you're pinched, you now need to look
at a couple of things. Number one, your bills. Number
two the amount of money that you're making. So now
maybe the time to decrease your bills and increase the
amount of money you're making. Are you working forty hours

(07:48):
a week? Some of you work in warehouse situations where
they may cap you out at thirty hours, or they
may cap you out at twenty, but you don't make
it to forty every week, you may need to consider
making a second job. You may need to consider taking
a second job because if you're still struggling to pay
your bills, you know that winter is coming, then how

(08:09):
then are you going to be able to buy gifts
at Christmas times? At Christmas time if you do not
take a second job.

Speaker 5 (08:16):
So I would.

Speaker 10 (08:17):
Encourage everyone to just simply consider where you are financially
and then consider whether now is the time to consider
a second job, because you have to look for the
job to be able to get the paycheck, to be
able to be ready for December. So now is the
time to begin thinking long term. Understand, we have short
term thinking and we have long term thinking. Short term

(08:40):
is what am I going to eat for lunch? Okay,
should I have fish or should I I'm sorry, should
I have baked fish or should I have fried fish?

Speaker 5 (08:47):
That short term thinking.

Speaker 10 (08:49):
Long term thinking is if I have the baked fish,
it is healthier for my heart. Therefore, I will not
have the fried fish because if I have fried fish,
it can clog up my armies, raise my cholesterol. Long
term thinking would tell me, do not eat fried fish,
get it. Short term thinking was for lunch fried fish.
Long term thinking, no, let me get baked fish because

(09:12):
it would be too much on my heart if I
got fried So I want you to think the same
way when it comes down to your money. Begin to
think long term. Winter is coming. Increase your finances coming
in or either decrease your bills so that you can
be able to be.

Speaker 11 (09:27):
Ready for Christmas for your family.

Speaker 5 (09:29):
So be ready.

Speaker 11 (09:30):
That's my soapbox. Get ready.

Speaker 5 (09:31):
Yeah, winter is coming.

Speaker 4 (09:34):
Winter, Winter is coming, and you know what attorney or
so people have been saying, I think we're gonna have
a bad winter.

Speaker 10 (09:40):
I don't know, but we know winter is coming financially
or are they saying weather wise weather wise?

Speaker 5 (09:48):
They think weatherwise, they think it's them.

Speaker 4 (09:50):
Thinking also financially because of what's going on now, the
climate of the country, things are hoth look getting higher,
it's not getting any.

Speaker 10 (10:01):
His campaign was called make America great Again. Okay, so
nobody should be surprised and what's happening.

Speaker 4 (10:13):
Well, and you're right, you know what, You're absolutely correct,
because like doctor Maya says, when people show you.

Speaker 11 (10:26):
Who they are, believe them the first time.

Speaker 4 (10:31):
So, so what this is what I want to ask
you and saying financially, so you know attorney earths are
doing December. You know, we like to go overboard with
gifts and things for your children and all that, and
and you may not have money, then you'll have to
call you to file bankruptcy.

Speaker 5 (10:51):
Correct.

Speaker 10 (10:52):
So then I tried to hedge that that's reason why
I'm trying to have the discussion now to say, hey, January,
that's fine, give me a call, let's discus us bankruptcy.
But if we can increase then that's what I would
like for people to increase their income so that they
can begin to save up for the gifts that they
want to give in December.

Speaker 5 (11:11):
Another thing I want since we're on this, but wait.

Speaker 10 (11:14):
Before we go there today, what we are really going
to talk about, at least in the beginning, we are
going to discuss the good, the bad, and the ugly
about the probate process.

Speaker 5 (11:24):
That is something I love.

Speaker 10 (11:26):
We just had an estate and I really want to
break down to everyone what to expect, what it's like
working with an attorney, What does it mean for you
able to be able to bring documents?

Speaker 11 (11:37):
What to expect.

Speaker 10 (11:38):
But to your point, you were asking about spending, spending well.

Speaker 5 (11:44):
Wisely indent, you know how we want to do for crystals.

Speaker 8 (11:48):
I know.

Speaker 10 (11:49):
I think that we need to be very conscious of
our finances right now. With so many opportunities, with so
many opportunities that are not being presented to our community
right now, we really need to consider saving our money

(12:10):
and being very frugal with our spending. Because of the
uncertainty of where we are, we need to be careful
with that.

Speaker 5 (12:19):
Now is the time for collaboration and the time for saving.

Speaker 10 (12:23):
But I have something else to share, just to pivot
just a little bit, yes, ma'am. So I want to
talk about working with an attorney. Many of us have
not worked with an attorney before. Neither have you had
a need to. Maybe someone had a criminal matter that's
in the family, but that's not something that you personally
have had to deal with, so you just simply, you know,
maybe give a referral, or you may hear about a

(12:45):
case that someone has, but you never know really how
to interact with an attorney. So I really want to
unpack that in terms of a state title curative package.
State title curative package, that means that someone has passed
away in your family, you have inherited the house or

(13:07):
the condo, and you're trying to figure out how then
do I either occupy this particular property, how do I
take it over, or how do I get it listed
and sold? And so I want to unpack that a
little bit.

Speaker 5 (13:21):
So let's first talk.

Speaker 10 (13:22):
So today when we're talking about that, we are going
to discuss five points, right, Okay. The first is we're
going to talk about what is the scope of the representation,
meaning what is my role as an attorney if I
represent you if someone passed away? Right, So, I want
to talk about it that in terms of preventative First off,

(13:43):
the best thing that you should do right now, if
you're listening to the sound of my voice when it
comes to a state planning, is to get either a
will or a trust. Decide which one is best for you,
or give us a call at nine zero one, five
four one help.

Speaker 5 (13:57):
As for attorney Monika Johnson, she's there.

Speaker 10 (13:59):
Now and she will then begin to unpack the difference
between a trust as well as a will and then
determine what works best for you. That is the number
one tip that I'm going to give today. But if
you may say it's too late, Grandma passed away, or
I have someone who is on the sick bed, so
they clearly cannot They're not in the capacity in which

(14:23):
they can sign a will. So as a result, we
need to simply move forward with what we call intestate secession.
Intestate secession. So what that means is, let's talk about
first the scope of representation. What it means is someone
has passed away, and when they passed away, of course
they did not have a will. So as a result,
then we will then go in when you inform us

(14:45):
of that, and the first thing we're going to do
is order and review the title work. We have to
order the background check on the property to determine did
Big Mama own the property or did Big Mama and
Granddad own the property? Did they own together, how did
they take title? In addition to that, we're also checking
to see if there are any leans are judgments against

(15:08):
the original owners of the property. Now, this is something
that was very, very shocking to a few of my clients,
and I really want you to sit with this for
a moment.

Speaker 5 (15:19):
I understand that.

Speaker 10 (15:20):
You love your mother and your father or your grandmother
are the loved one that passed away, and I know
that you hold them in the highest esteem that you
could never see them do any wrong. But unfortunately, unfortunately
life happens, right, it happens, and when it does, what
that means is grandmam or Granddad may not have had

(15:43):
the opportunity to pay every bill that they had. They
too have financial problems, they too fall on hard times,
they too may just simply forget. And so if you
had a loved one that forgot about a bill or
did not pay that bill when they pass away, and
I'm sorry, let me and they got a lean or
a judgment against them before they passed away. Right, So

(16:05):
mom or dad owed, you know, a bank and they
did not pay the bank, and that bank filed a
lawsuit against your mother or father. They did not tell
you anything about it, and then as a result, they
got a judgment against them. The creditor will then take
that judgment file it in the Shelby County Register of ds.

Speaker 5 (16:24):
And now that is a lean on your house. Okay.

Speaker 10 (16:28):
Now that particular lean is against mom and dad, who
now have passed away. We're talking about airship here. Welcome
everybody who's tuning in. Definitely sharing. Encourage your followers to listen,
because we are talking about airship when you don't have
a will, so they have a lean or a judgment
against them, and now they passed away and you inherit

(16:49):
the property. Okay, So Bev Johnson's parents passed away, Bev
Johnson inherits a property.

Speaker 5 (16:55):
Bev is wondering.

Speaker 10 (16:56):
We just gonna say her mother name was Martha Johnson.
Bev is now one, and why do I have to
pay Martha Johnson's judgment when she has passed away and
I've inherited her property?

Speaker 11 (17:07):
Right?

Speaker 10 (17:09):
Well, the leaner judgment is against the property, and now
it's secured. That's secured lean and it is valid for
ten years, even if the person passed away. They're responsible
because it's a lean or a judgment, not because it's
a bill. I want to make that distinction. So a
BEV is living her best life. She's in her home,
she's getting just bills on behalf of Martha Johnson. That's

(17:30):
if her mom name was Martha. No, she does not
have to pay those right, there was no will, there's
no estate. However, if she inherits an assets such as
a house, then that lean or judgment is now against
that home, and so that has to be paid. Even
if you don't believe that it belonged to your mother
or your father, is there. It's public record. We can

(17:52):
show you. You can even call yourself to independently verify
that information.

Speaker 5 (17:58):
At least that's what we do at our firm.

Speaker 10 (18:00):
We believe in transparency, so we always encourage you can
call yourself and determine whether that leaner judgment actually belonged
to your parent. Now let's talk about what happens when
there is a leaner judgment.

Speaker 5 (18:11):
Now let me back up. So in order to order
title work.

Speaker 10 (18:15):
That process takes seven to ten days, seven to ten days.
So those seven to ten days you're waiting. So one
of the ugliest things about going through the process when
someone passed away is the time. Okay, it's the time.
Many individuals want everything. Now you hear that you have

(18:37):
an inheritance, you understand that you have fifteen hundred coming
to you, five hundred coming to you, two thousand, ten thousand,
and fifty thousand coming to you, and then you begin
to spend it. Okay, you're spending it mentally, you're telling
people verbally, oh, I got this money coming, and you're
making plans. However, you have an entire timeline. You have

(18:59):
an entire timeline that you have to adhere to. So
the first is we have to order the tidle work.
That's gonna take seven to ten days. If you have
over twenty plus airs that are inheriting that property, then
we have to do a background check on all twenty individuals,
not just big Mama and Granddad, all twenty of the

(19:19):
heirs we have to do a background check on. So
that process is gonna take seven to ten days. The
next is we have to identify and resolve all of
the liens or judgments and claims that are not only
gets Grandma and granddad, but also all twenty airs Okay,
like literally everybody name has to be checked. And so
as a result of that, that may take up to

(19:41):
ninety days. Right, So you may say at least if
they were me, I'd be asking three months ninety days
to clear a lien or a judgment.

Speaker 5 (19:51):
Yes, okay.

Speaker 10 (19:52):
The reason why is because lians are judgments, we have
to call the creditor and then when we speak to
the creditor, the creditor then does the research to make
sure does this belong to bev Johnson? Does it belong
to Martha Johnson? Does it belong to Ursula Johnson?

Speaker 5 (20:09):
Is this lead?

Speaker 10 (20:09):
And then they have to look at the social Security
numbers to be able to confirm that. And then if
they tell us no, we're gonna you know, we're gonna
charge them fifty thousand dollars to pay off this link.
At our law firm, we also go the extra step
and then we will negotiate. We will negotiate to have
that particular lean reduced. On this last deal that we had,

(20:32):
not only did we get it reduced, but we got
it absolutely waved down to zir row.

Speaker 5 (20:37):
We got it down to zero.

Speaker 10 (20:39):
So we are successful sometimes with negotiating less than what
the creditor is originally asking. But my whole point here
is the time period. So it usually takes about ninety
days to or less. Keep in mind it could take
one day. Okay, it could take one day, but I
also want to manage expectations because it could take ninety days.

(21:00):
It just literally depends on the third party's responsiveness, whether
they are getting us what we need and whether they
will file that release immediately. We had one company, it
took them probably about a month to record the lean
release and they would not tell us that they did
so they only would tell us to check for the
register's office. And then the family was not happy with

(21:23):
the length of time that it took for that creditor
to get us the release. But it's nothing that we
can do because we're at the back and call of
the creditor to record that lease, all right, So it
can take up to ninety days. Also, we have to
contact all airs. We have to document their preferred method
of communication and obtain their signature. So keep in mind

(21:44):
we're sometimes talking about airs upwards of twenty plus people. Well,
these are all things that we manage, and this is
not something that can happen overnight because we're dealing with
over twenty people, So it may take two to three
weeks to get all twenty peace people. Like right now, Bev,
if I say what do you want to lunch? What
would you want for lunch today? If you could have anything?

Speaker 4 (22:06):
You want.

Speaker 5 (22:10):
A good salad, A good salad. Okay, I want to
go to the rocking chair.

Speaker 11 (22:15):
You always talk about the rocking chair.

Speaker 5 (22:18):
So if Bev wants a salad today, I want the
rocking chair today.

Speaker 10 (22:22):
If we can't agree on what we're going to eat, now,
how you think twenty people will cut?

Speaker 5 (22:26):
Yeah?

Speaker 11 (22:27):
Right?

Speaker 10 (22:27):
So, and sometimes you may have one that's going to
be a holdout he mad and Mama and daddy because
of something happened in nineteen sixty four, and so we
have to deal with that emotionally, which will cause the delay.
But you can appoint one representative to serve as a
point of contact on behalf of all the heirs. If
you do that at our firm, what we then do is,

(22:48):
now we're going to make sure that we communicate and
email everyone. What is occurring when we have any milestone updates,
meaning what items are needed for us to proceed for
with the closing, what items are holding up the closing,
so that you can clearly understand what is important and
the timeline to get it to us. Another thing that
we do is prepare and circulate any documents that need

(23:11):
to be signed. We coordinate negotiations with the leanholders and creditors.
There is a feed that is involved in that, which
we'll get to that as one of our points. We
conduct the closing and we disperse funds. We disperse funds
only after all the legal liens have been cleared, after
everyone has signed. Keep in mind, if you have that

(23:32):
cousin that's in Omaha that doesn't want to sign, or
the one that is in Nebraska on Maha, Nebraska, someone
who does not want to sign or is who's causing
us problems, then we have to wait until we get
all of those signatures, which when you say, well, what's
the timeline on that depends upon your sibling and.

Speaker 5 (23:53):
When we can get them in.

Speaker 10 (23:55):
Clients will receive a monthly status update regards I need
any milestones. If there's no good news, then we let
you know no news is good news. That means that
everything is proceeding forward as possible. Please note that we
cannot disperse funds until all the heirs have signed the
required documents. In cases with multiple errors, again, this process

(24:18):
may take upwards of ninety days. We don't anticipate it,
but it is possible. And in handling your file, what
we do is we have a team approach at our
law firm. At our law firm, we have over twelve people.
I sometimes I've had a couple of people get upset
and they say, oh, you didn't tell me that you
were going on vacation. Well listen, just because I did

(24:39):
not give you an update that I'm going on vacation
does not mean that your business stops. Because we have
over twelve people that can take care of you. And
we have what three attorneys, four attorneys that are in
office five including me. But if I'm out, the party
keeps going, the ball keeps rolling because we do have
a team approach. Oh, next up, So now we understand

(25:02):
the first step is if someone passed away, you give
us a call at nine zero one five four to one.

Speaker 5 (25:07):
Help.

Speaker 10 (25:08):
You can also call in now at nine zero one
five three five ninety three forty two, and we can
discuss any questions.

Speaker 5 (25:14):
But the number one thing is the time timeline.

Speaker 10 (25:18):
When you're dealing with probate, it could take up to
ninety days to be able to clear title. That's the
reason why to all of my realtors that are out there,
give us a call, let us get started with the case.
We order title immediately because we know that this process
takes a lot of time and patience.

Speaker 5 (25:36):
So it's going to take ninety days, it can take
up to no, it could too.

Speaker 10 (25:40):
Yeah, like safer as if there are no lians or
judgments and the title is clear, it's probably about a week.
But if there are leans and judgments, we have twenty people,
some that are contankerous and don't want to sign.

Speaker 5 (25:50):
Absolutely, it can take up to ninety days.

Speaker 10 (25:53):
Now you may say, well, what is the responsibility of
the client, that's a great question. What is your response, Well,
your responsibility is to let me know if there's a will,
to let me know where their obitual. Well, we need
their actual obituary as well as the death certificate. What
is your responsibility get the will, get the death certificate
as well as get the obituary so that we can

(26:16):
review that, provide and complete any accurate information regarding all
of the airs. I need to know who passed away.
Mom and dad passed away, how many children.

Speaker 11 (26:25):
Did they had?

Speaker 10 (26:26):
Oh, they had five? Three of them passed away. Well,
then I would need the obituary as well as as
well as the death certificate on the three that passed
away plus mom and dad. So we would need all
of those same thing. With the obituary, we will need
that for all of the airs, and then last but
certainly not least, but there it airs will now inherit.

(26:48):
That's how we get to twenty Mom may have only
had five children, but each of those five kids have
five children, so we have five ten, fifteen to twenty
twenty five airs in that particular situation.

Speaker 5 (27:00):
So we have to look at everyone.

Speaker 10 (27:02):
So what is your responsibility as a client. Provide the
obituary death certificate for each person that has passed away
as well as will if they have one. Ensure that
all of the errors are cooperating and responding promptly to communication.
Make sure you timely provide requested documents, because every delay
on your end is also a delay on our ends,

(27:25):
because if we don't get it, we won't be able
to get the items that we need because we will
be preparing affidavit of airships and ordering ten care clearance
letters and then of course the background check on the property.
So as a result, we need all of those items
to be able to do so. And remember you can
always appoint one person as a point of contact. So

(27:45):
that's number one and number two is complete. The next
thing is, let's talk about money. We do charge a
fee in order to handle what we consider these to
be like an escalating matter. Right, this is a state
title curative package. So when we're dealing with over twenty people,
your fees may range anywhere from nine hundred dollars to

(28:07):
fifteen hundred dollars, and it can go up from there
because there is an hourly rate of about three point fifty.
But on average everybody fees kind of hover around fifteen
hundred to two thousand. Sometimes it makes it to three thousand.
But please trust, know and believe we're telling you what
is occurring with your file, updating you monthly, working with

(28:27):
all twenty plus of your errors to be able to
make sure that our buyer is buying that property free
and clear, all right, We do lean negotiations. So remember,
if there's leans or judgments of ten care, meaning that
your loved one got medical assistance from tennise, from the
state to Tennessee, we will even go in and negotiate
that when we can. So they may say, oh, Grandma

(28:50):
owes a million dollars. Of course, we're not going to
pay a million dollars. We don't even have a million
dollars in the estate. But we will begain that negotiation
process to be able to do so.

Speaker 5 (28:59):
And then you will.

Speaker 10 (29:00):
Acknowledge, you know, come to the closing table, acknowledge the
closing and then that's it.

Speaker 5 (29:06):
You are done.

Speaker 10 (29:07):
You are now the heir of the estate of your mother, father, grandmother, aunt, uncle, parents,
and then now you're able.

Speaker 5 (29:15):
To move forward with the next chapter.

Speaker 10 (29:17):
And a lot of times people really want to close
out these estates because it's heavy, right, So there's a.

Speaker 5 (29:23):
Real, live human component that goes with this, BEV.

Speaker 10 (29:27):
And the reason why I kind of wanted to take
time to just break down what to expect on the
technical side is because really and truly I'm so busy
dealing with the matters of the heart that we lose
sight that there's also a technical peace in which people
are not accustomed to, and that's working with an attorney.

Speaker 5 (29:48):
We do have fees, you know. Sometimes people think, Oh.

Speaker 10 (29:51):
You've been working on it for three months, and I
should pay you five hundred dollars. Who you should get
five hundred for three months of work and working with
over twenty people and doing a background check for twenty individuals,
in organizing the closing for over twenty individuals.

Speaker 5 (30:11):
Five hundred dollars.

Speaker 10 (30:13):
No way you make more than five hundred dollars in
three months and you feel like I should only get
five hundred. I think the audacity of the hypocrisy of
the community is quite shocking and sad to think that
an attorney who gives you a spirit of excellent and
does the job but because you either ate don't believe

(30:36):
that your mother and father had a lean, or because
you don't understand that there are fees associated with working
with an attorney that rise above five hundred dollars, or
because you don't understand that leanholders, you know, take their
time getting releases. That someone doesn't deserve to be paid

(30:57):
is shocking to me and quite sad. I wanted to
take the time today and really explain that and I
want to say to anybody who is working with an
attorney who does not break this down, or even if
I did not break this down in this way in
the past, I apologize on behalf of myself and everyone
else involved, because you, as the person who is grieving

(31:20):
the loss of their loved one, it's a lot to
take on.

Speaker 5 (31:23):
Yeah, you know what I mean, Beth, and I think
attorney ursula a lot of I'm so glad you're.

Speaker 4 (31:30):
Covering this topic today because a lot of people don't
understand when they say have to have it probate or
probate going through that. They don't understand. They just think
that loved one is gone and now wherever.

Speaker 10 (31:45):
The money is they can go get the money is
not or I signed my paperwork, where's my check? Well,
hold on, you have eighteen other people that need to sign.
Oh wait, your cousin did not get us the obituary yet,
and we have to wait down it. And now we
have it, we still have a lean that we have
to clear. So they're not aware of all of the

(32:05):
moving pieces, which is really the main reason why I
want to talk about that and unpack that today is
to talk about how this is a process It could
take upwards of ninety days or.

Speaker 5 (32:16):
It could take one day.

Speaker 10 (32:17):
It all depends upon if there are leans or judgments,
how many heirs, how much confusion that is occurring amongst
the family members, and then another thing, say, for instance,
if you have a sister or a brother, or cousin
or our niece who does not want to sell, Attorney
Monika Jozz can move forward with either a quiet title
or a petition to partition. A petition to partition, so

(32:41):
one person who decides that they don't want to sell, that's.

Speaker 11 (32:44):
Not going to stop the progress. We can move forward.

Speaker 10 (32:46):
We have realtors who we connect you with who can
get the property listed and sold.

Speaker 5 (32:53):
So we have options for you.

Speaker 4 (32:56):
Yeah, so just let us know, let them and I'm
goingd we are going to Attorney Ursula take a break,
and as we go to the other side, and I
do have some email questions for you.

Speaker 5 (33:10):
I love that. I know you love email, so we'll
do that.

Speaker 4 (33:13):
But also if you all have a question for Attorney
Ursula Woods, she is in the house today. Our numbers
are 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

(33:36):
will get you in to us. We're going to the
other side of the Bev Johnson Show on doub d Ia.

Speaker 12 (33:47):
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 (33:58):
The bev J just showing.

Speaker 10 (34:27):
In.

Speaker 6 (34:54):
That's just a show Chomer time with this talking and
home away.

Speaker 10 (35:02):
Help you go, you go Son't get ready.

Speaker 6 (35:07):
In time.

Speaker 5 (35:10):
Show show.

Speaker 6 (35:13):
Let's go Ben will make your day by here.

Speaker 11 (35:20):
D listen to one today.

Speaker 6 (35:25):
You know it's time of the belt of Show, the
Bunt Show, Lucky, Let's go.

Speaker 4 (35:44):
Good afternoon and welcome back to the second half of
the Bev Johnson Show.

Speaker 5 (35:49):
You're on w d i A the Heart and Soul
of Memphis.

Speaker 4 (35:54):
We are asking our expert, our expert, Attorney Ursula Woods
is in the house today, Attorney Ursla. We're going to
our phone lines. Some folks want to talk with you,
and we're starting with Greg.

Speaker 13 (36:08):
Hi, Greg, Hello, how are.

Speaker 5 (36:11):
You doing well today? And yourself?

Speaker 13 (36:14):
Oh truly bless no stress Ersul I hire you today,
Oh truly blessed no stress. I got two quick questions Okay.
I have Me and my wife have some property that
we received after one of her uncles died, and we

(36:37):
had got it on text of paying the taxes, and
then it actually the children are disputed and we had
to go back to court about it. Now it's been
three years. If we went back to court and they
came decide what they want to do, is it a
way I could take them back to court and let
the judge make a decision on what we need to

(36:58):
do with the property, because he's just seen in there
deteriorating and I want to do something with it.

Speaker 10 (37:04):
Oh, I'm sorry about it. That's okay, Sorry about that.
I have a I have a couple of questions. First,
when you say that you got the home because of
the delinquent taxes, do you mean that you paid the
delinquent tax bill?

Speaker 5 (37:19):
Yes, okay? And what state do you live in?

Speaker 13 (37:23):
I live in Tennessee, but it's actually in Mississippi, okay.

Speaker 5 (37:27):
And then whose house did it belong to?

Speaker 13 (37:29):
Greg it own my wife's uncle.

Speaker 5 (37:34):
So your wife's uncle.

Speaker 10 (37:35):
Okay, So uncle owned the house, all right? And so
the answer is yes, you can revisit it. But did
the uncle? So did the uncle have a will, we
can find it.

Speaker 5 (37:50):
Okay, all right?

Speaker 10 (37:52):
And then was uncle married when he passed away?

Speaker 6 (37:56):
Oh?

Speaker 8 (37:58):
Well we made was no, No, he was not all right?

Speaker 5 (38:01):
And they did uncle have any children?

Speaker 8 (38:04):
Yes?

Speaker 11 (38:05):
Okay?

Speaker 5 (38:05):
How many children did he have?

Speaker 14 (38:07):
Oh?

Speaker 8 (38:08):
He had five?

Speaker 10 (38:09):
Five?

Speaker 5 (38:10):
Okay, all right.

Speaker 10 (38:12):
So then one thing that we look at is who
is the next of ken? Right, So we had someone
to pass away, no spouse and no will. So their
next of ken are the children. And so that's who
inherits the home. Whether they never pay taxes or they
do pay taxes, that is their home. You cannot claim
adverse possession because they are aware that you're there, and

(38:35):
you all are related. And I'm sorry. That's if you
were there, are you all occupying a property or no?

Speaker 14 (38:42):
No one didn't.

Speaker 10 (38:44):
No one claim adverse possession because it's sitting there. They
have every right to let their house just sit there.
They also have every right not to pay their taxes.
If you go in and pay those taxes, that does
not make that your home. I repeat for everybody. Hold
on one second, Greg, I'm sorry, I repeat for everyone
that is listening. Just because you paid someone's property taxes

(39:07):
in Shelby County, that act alone does not make that
your home.

Speaker 5 (39:12):
So should you pursue it, you can definitely go back.

Speaker 10 (39:15):
I would definitely go back to the children and revisit
the idea and say, hey, the house is worth you know,
I'm just gonna make this up. The house is worth
fifty thousand dollars if it was in perfect condition, but
we know no one has been in it. Assess what
the actual value of that property is, offer it to
the kids and in a change, you know, whatever the
praise value is based upon the repairs that are needed,

(39:39):
often to buy them out and then get them to
quick claim their interests over to you.

Speaker 11 (39:43):
You can give us a call at the office and
I can help you navigate that.

Speaker 13 (39:47):
Okay, let me just ask this a real quick question,
I mean, same question. What happened is we went to
court about it, and the goods is still in me
and my wife's names, plus the cure, and at the
time they were saying they were gonna move back in
the house, and the jewdge that they're fired. But they

(40:07):
would have had to pay me a wife's rent according
to the judge. But for whatever reason they had did anything.
And I'm ready to take it back to the judge
and see can we make a call because I'm going
to offer them some money for it or do something.

Speaker 5 (40:22):
Right, that's what I think you should do. I think
it's time now for you to buy them out.

Speaker 13 (40:27):
Okay, okay. And one other little quick question. It's some
more property and it's a lot of people involved on
that one. I was just wondering in that case, it'll
probably be too hard to try to go to court
because you're talking maybe twenty twenty to thirty people that'll
be involved in that property.

Speaker 10 (40:47):
We can definitely handle a twenty plus airship situation, right,
that's something.

Speaker 5 (40:53):
That we can do.

Speaker 13 (40:55):
Okay, until y'all do it out of Mississippi.

Speaker 5 (40:58):
Yes, we can do it out of Mississippi as well. Okay,
So you have her numb nine zero one five.

Speaker 10 (41:06):
For one help nine zero one five four one four
three five.

Speaker 13 (41:12):
Seven okay, okay, thank you, all right, thank you, thank you.

Speaker 5 (41:18):
Thank you. Greg By bye w D I a brother Bernard.

Speaker 15 (41:26):
Hey, Miss Johnson, how are you doing today? I'm doing
well and you doing well? Miss Johnson?

Speaker 7 (41:32):
Are you doing?

Speaker 15 (41:33):
Attorney Woods?

Speaker 5 (41:36):
Hello? Hello, I'm doing well. Seeing yourself?

Speaker 7 (41:40):
Yes, ma'am doing well. So the question as it pertains
to the property and in connection with siblings being on
it is say, for instance, if my mom is honor
d with her sister and the sister is living, yet

(42:02):
the sister is said to be staying out of town
and her son stays in the property. The property was
inherited by my grandmother, which would be their mom. Essentially,
there was no will in place, as it reflects on

(42:25):
the deed. Only my mother and this sister are on
the deed of the property, and of course there was
no willing place. So what are the steps or what
is your advice as far as if my mom is

(42:47):
open to selling the property, but the sister is not
readily reachable per se and may not be in agreement
with the sell of the all.

Speaker 10 (43:01):
Right, So if you have two people who own property
and they are not in agreement with whether they should
sell it whether they should keep it, you have one
of two options. Of course, you can file a petition
to partition or either quiet title, so you give us
a call at nine zero one five four to one
help nine zero one five four one four three five seven.

(43:22):
Or of course she can try to buy her sister out.
But if she is completely not interested in selling, then
you have to go the route of a petition to
partition or the quiet title, because the judge has to
come in and make a determination whether they're going to
sell the property or allow somebody to occupy it. Is
the sister occupying that property right now?

Speaker 15 (43:46):
No, she is not believed. She says, lives out of town.
Her only son occupies the property.

Speaker 10 (43:57):
All right, So if her only son is occupying the property,
you still can go through the route of a quiet
title and see what the judge determines. And maybe a
little tougher because they do have a family member that
is in the house and they may say that's an
undo burden. So it's just but you know, it is
a possibility to try. So just give us a call

(44:17):
at nine zero one, five four to one help five
four one four three five seven acts for Attorney Monika.

Speaker 5 (44:23):
Johnson and ask for the Beth Johnson Special.

Speaker 10 (44:26):
She's at the office now catching up on a lot
of work, so she's not in here today.

Speaker 8 (44:33):
Okay.

Speaker 15 (44:33):
And did you say the couple of options will be
the petition for partition for a quiet title.

Speaker 5 (44:40):
Yeah, both of.

Speaker 10 (44:41):
Those are causes of action that you can bring to
the judge to say, hey, we're two individuals. We know
you can't split the baby. You know you can't say, Okay,
well you have the front half of the house, I
have the back half.

Speaker 5 (44:53):
You can't do that.

Speaker 10 (44:54):
So a judge has judge has to determine are we
gonna allow for the sale to go through or are
we going And it required that they keep the house
and the family and allow the nephew or your cousin.

Speaker 5 (45:06):
To occupy the property.

Speaker 11 (45:10):
Okay, that's what I judge to decide.

Speaker 10 (45:13):
So give us a call so that we can look
at that a little bit closer to see which one
would work and what's the likelihood of success.

Speaker 15 (45:21):
Yes, ma'am, thank you so much, and thank you miss
Johnson for taking my call.

Speaker 5 (45:24):
You're welcome, Brother Bernard. Bye bye.

Speaker 4 (45:27):
W d I A high caller. Hi on the air, Yes,
you're on the air. Hello, I said, I don't know
what they're doing.

Speaker 5 (45:47):
They're not listening.

Speaker 4 (45:49):
HI on the air, Call me back, Call me back
because you're not listening at.

Speaker 5 (45:57):
W D I A high caller.

Speaker 14 (46:00):
Hey, Bedley, I would like to send your email.

Speaker 10 (46:02):
Question.

Speaker 14 (46:03):
What is the email?

Speaker 4 (46:05):
Okay, one of the emails. Yeah, I'm gonna get to
the emails. Are are you one of the emailers.

Speaker 16 (46:12):
Yeah, I am, and it's a question I have.

Speaker 14 (46:14):
I just don't want to be known. I just want
to see it in almost email.

Speaker 5 (46:18):
So yeah, you can send me.

Speaker 4 (46:19):
Okay, My email is BEV Johnson at iHeartMedia dot com.

Speaker 14 (46:26):
Bev I heeart Media, uhh.

Speaker 4 (46:30):
iHeartMedia dot com. BEV Johnson at Heartmedia dot com.

Speaker 14 (46:38):
Is it Johnson? What with that best Johnson?

Speaker 5 (46:42):
With best or not Johnson?

Speaker 4 (46:45):
Let me give it to me so you be clear.
B E V J O h N S O N
AT I A little I small eye Heart Media dot Com.

Speaker 14 (46:58):
All right, all right, thank you.

Speaker 5 (47:00):
You're welcome. Bye bye. Let me go back to our
phone lines to talk with you. Yeah, you can email
me a question. W D I a HI caller? Okay, yes,
you're on the air.

Speaker 14 (47:16):
You're talking to men.

Speaker 5 (47:17):
Yes, ma'am.

Speaker 14 (47:19):
How you doing today?

Speaker 5 (47:20):
I'm doing well in yourself.

Speaker 14 (47:24):
I'm doing great.

Speaker 5 (47:25):
What's your question?

Speaker 14 (47:28):
Okay? I applies for an apartment and I was denied
because my bankruptcy not my bankruptcy, and my exiction was
three years old and the property went back three years ago.
My property went back like on the background, three years
so I was wondering why it wasn't our food?

Speaker 5 (47:48):
Now say say your question again again.

Speaker 14 (47:53):
Our applies for an apartment.

Speaker 5 (47:54):
Okay, you applied for the apartment.

Speaker 14 (47:56):
They did my technique, yes, ma'am. When I got my
taper work, they told me that I had an old
esiction on me.

Speaker 5 (48:05):
Okay, and that's why they and.

Speaker 14 (48:10):
She stated that they that ground went back three years also,
So shouldn't I have gotten an apartment?

Speaker 5 (48:17):
No, we're not here to say whether they should or
should not.

Speaker 10 (48:22):
Different apartment complexes have different guidelines and they may be
very restrictive as far as whether someone has an eviction
of it last three years or even ever.

Speaker 4 (48:34):
You know, maybe they should have told her the upfront
some things, if you had.

Speaker 10 (48:41):
Any or no, not necessarily. They don't always tell you
what their guidelines are. It's not communicated in that way.
But they do have the right to refuse that reason.

Speaker 4 (48:53):
Okay, all right, thank you caller, sorry, thank you, thank
you for listening here.

Speaker 5 (49:02):
W D I a high caller.

Speaker 2 (49:06):
Clue, Yes, you're on the.

Speaker 15 (49:07):
Air, yes, ma'am.

Speaker 14 (49:09):
How you doing later?

Speaker 1 (49:10):
Quick question from here? Okay, probate, probate, probate if if
if someone passed and you paid the muggage, y'all and
you you get going through the system, you get eighty
eighty percent of the.

Speaker 17 (49:28):
Property of eras and indors to you, and two more
is holding out and it's going through court. If if
you want to buy them out, how would that work?
If I wanted to buy that property?

Speaker 10 (49:39):
If you want to buy out the airs to property,
you just simply offer them a dollar amount and then
they will then quick claim their interest.

Speaker 5 (49:47):
They'll quick claim their interests over to you.

Speaker 17 (49:51):
Okay, we did, I did that all but two of
them refused to do it.

Speaker 5 (49:55):
Okay, So if they don't have to, you can't force
I understand.

Speaker 1 (50:00):
So what the proceeds that is?

Speaker 14 (50:02):
I got to buy them out?

Speaker 11 (50:03):
Dude?

Speaker 1 (50:04):
If it goes they're taking me to court on this,
and uh, I may have the wrong lawyer, I don't know.

Speaker 5 (50:10):
But sir, what's your name?

Speaker 15 (50:13):
Ernest Morris?

Speaker 5 (50:15):
Mister Morris? I think I want to talk. Just slow
down for a second. Okay, Okay, all right, you're saying
I keep.

Speaker 10 (50:22):
Telling you you cannot force anyone to sell you a
piece of property.

Speaker 2 (50:26):
Right, No I'm not.

Speaker 17 (50:27):
I'm not trying to force them.

Speaker 10 (50:28):
Yeah, but then your question is how do you get
them to give you the property?

Speaker 9 (50:36):
Right?

Speaker 17 (50:37):
See they demanding this, well sell the house, but I
want to.

Speaker 10 (50:43):
Okay, so they want to sell the house with the
well the well, no they want, they want. What they
want is a different amount than what he's willing to give.

Speaker 17 (50:52):
No, no, no, no, no, no, no, they won't they won't.
They we head the head of the praise and I
don't come to agreement that just I would on the
pay that. But this is my problem. The attorney won't
me to put up the value of the house.

Speaker 5 (51:06):
Well, what's the.

Speaker 10 (51:07):
Difference between the appraise value and the value?

Speaker 17 (51:12):
Well, if a praise value is what it worth?

Speaker 10 (51:14):
Right, But you're saying that, of course. And then but
you're saying that the attorney wants you to put up
the value. Yes, so is that the same as their
praise value?

Speaker 5 (51:26):
Yes, oh okay, right.

Speaker 17 (51:30):
But even though if I.

Speaker 1 (51:32):
Have one hundred and some thousand dollars, including with the.

Speaker 13 (51:35):
Payoff, and I have all errors signed off for two
but that the attorney and my.

Speaker 17 (51:42):
Turntive seemed like she agreed with them that I she
would put up the whole just that three hundred thousand
dollars and then lett my money sit there and get
it back.

Speaker 10 (51:53):
I should have to do that is that's the I'm
missing a part of this story, and you're represented by
another attorney, so I can't give you advice on a
case that you're being represented.

Speaker 5 (52:04):
Well, I'm sorry.

Speaker 9 (52:10):
Why you have you have that.

Speaker 10 (52:11):
I don't know if you should drop her, though, I
think you just need to get a clear understanding as
to why.

Speaker 13 (52:18):
Right.

Speaker 5 (52:19):
If you can't communicate to me why, then.

Speaker 10 (52:22):
That tells me that either A, you don't understand why,
or either B you can't really articulate why, or either
C she didn't explain it in a way that you
can understand it.

Speaker 17 (52:33):
Is this the normal proceedures that the one that's the
air that's gonna purchase the property put up the value
if the other two air interest is less than ten
thousand dollars in the house I need, I don't.

Speaker 10 (52:47):
I'm missing some information regarding this situation to be able
to give you a full answer. I kept not going
to give you that answer like that because I'm missing
some critical information within your question.

Speaker 16 (53:02):
Question.

Speaker 5 (53:03):
I need to see all the details of the case.

Speaker 10 (53:05):
And then number two, even if I did, I can't
give you any answers because you're.

Speaker 4 (53:10):
Represented right, right, So maybe you ernest that you talk
to your attorney again so you can be clear on
what's happening.

Speaker 5 (53:22):
Is that right? And why? And the question is why? Okay,
w d I a hey caller, you're on the air.

Speaker 8 (53:35):
Hello, bel I'm doing well.

Speaker 5 (53:38):
What's your question?

Speaker 8 (53:40):
Okay? I met my fiance about three months ago and
I moved in with her. Now she won't put me out?

Speaker 13 (53:50):
Can yeah?

Speaker 5 (53:52):
Attorneys all y'all have I answer for it? Yes, she
can put you out. You move into her house and
she's gonna put you out. Okay, So she can do that.

Speaker 8 (54:04):
Okay, so I won't know. That's another woman there looking
for a good man.

Speaker 5 (54:08):
Phil. Okay, bye, hey, let me let me just say this.
Let me let me just say this. Then no, let
me say be cause you let me say this. We're
not here for foolishness.

Speaker 4 (54:22):
We are trying to help people who understand about wills
and trusts and for the attorney.

Speaker 5 (54:28):
We are not here for foolishness. Hell, I'm too old
for that. I don't do that anymore. I never did anyway,
y'all have I'm saying it. I'm saying it.

Speaker 4 (54:38):
We know we're not We're not foolishness. For time is
out for foolishness, y'all time is out for that stuff.
People are listening, they're trying to get clear understanding the thing.
We are not for foolishness. I'm not, and I know
the ladies are not too, so they don't have to answer.

(54:59):
Turney earth something and read this email.

Speaker 5 (55:01):
Yes, ma'am, okay, Bell got on her soul box. I'm
not that.

Speaker 4 (55:07):
That's my time is out for you know what? You know,
turn out we're not doing that anymore. I don't well,
I never was foolishness.

Speaker 5 (55:16):
Do you remember.

Speaker 10 (55:17):
I don't know if you remember this call. I talk
about this call in my speeches. Right, we have Valencia
gathright in the house with us, so shout out to
realtor extraordinary Valencia Gathright. But I say this in my
speeches all the time. One time we had a caller, yes,
give me a second, yeah, sure, And he and he

(55:37):
wanted to know because this is a valid question, right,
this is a very valid question, Monika and I just
did a whole podcast on this, Okay. He wanted to
know if him the same thing as this gentleman, if
occupying the like if you move in with your girlfriend
or your boyfriend, do you have any ownership interest in
the property.

Speaker 5 (55:55):
Absolutely not right. Stop it.

Speaker 10 (56:00):
Okay, men and women stop using people. And I mean
that from the bottom of my heart. What goes around
comes around. You always want to have mentality that you're
a victim. Everybody is doing something to you. Yet you're
around here doing the same thing to other people under
the guise of I'm not worried about them. I'm not
going to have any empathy. Something is wrong with you
and you're off. Okay, you're a complum. I'm not saying

(56:21):
the man who called in is off. I'm just talking
about people as a whole. Once a man called in
asked as his girlfriend with the same situation.

Speaker 5 (56:28):
But even worse is if you don't If you can.

Speaker 10 (56:31):
Remember, this guy didn't have any money, so I show
I told him how he can make money.

Speaker 5 (56:36):
I said, you can go and cut grass.

Speaker 10 (56:37):
U while she gets a little money from cutting grass,
because just go buy somebody's yard, lun or cut grass.
I said, then get you about three hundred dollars. I
think you remember he didn't have a license, right, I said,
Then once you get three hundred, then you you know,
give a break her off a little something every week
when you making cutting your grass, then you can pay
it off, then you can get a car and dah
da dah game.

Speaker 5 (56:57):
We did a whole plan. That man said.

Speaker 10 (56:59):
At the end of that place plan, he said, shoot,
I'm gonna move out. That's a good plan, like I'm
gonna move And I said, wait, so you gonna move out.

Speaker 5 (57:09):
After I done gave you a plan on how to
go in and pay the lady and how? He said, yeah.
I said, ladies, listen up. You see how a man
would do you. That man said, that's right, ladies, listen up.

Speaker 10 (57:22):
So no, not only do we have we don't have
time for the foolishness on the air, but I also
want to just encourage my women out there. You do
not have to tolerate some man using you because he
need a place to lay it.

Speaker 13 (57:34):
Do you hear me?

Speaker 10 (57:35):
I mean that you are not ugly, you ain't big,
you know, but are you big? And you forget that
somebody gonna love you just the way you are. Should
we be healthy, absolutely, we should be healthy, But by
no means should you be in a position in which
somebody is using you for your bed, for your money,
for nothing.

Speaker 5 (57:52):
Come on, not even your attention.

Speaker 10 (57:54):
If they if it's not reciprocal, thank you, So anyway,
I'm sorry.

Speaker 5 (57:59):
Hey, we was on our show.

Speaker 4 (58:00):
By that's okay, let me get this question if you
take a break for attorney. So she says, quick question,
is trustee of property for eleven years until minor is
twenty one responsible to pay out a pocket for upkeep
taxes and et cetera.

Speaker 10 (58:17):
It's no, that should come from the estate. If you're
the trustee of the trust, the trust should be funded.

Speaker 5 (58:23):
Okay.

Speaker 10 (58:24):
So if it's property taxes, you all should be collecting
an income on that property tax or go back to
the beneficiary or the grandeur of the trust, and you
all need to figure out the finances.

Speaker 5 (58:35):
So and then she says, if there.

Speaker 4 (58:36):
Are assets a mobile home that need to sell to
assist with the upkeep taxes and etcetera, is that an option?

Speaker 5 (58:44):
Is there one aid option?

Speaker 4 (58:47):
If you have a mobile home that you need to
sell to assist with the upkeep on the taxes, is
that an option.

Speaker 10 (58:53):
To sell if the trust allows it. Some trusts do
allow it and some don't. It just really all depends.

Speaker 5 (59:00):
Okay, we are going to take a break when I
come back.

Speaker 4 (59:05):
Hold on, callers, we'll get you we'll get these other emails.
We are talking law no foolishness today, not with me.
I ain't having it. I ain't having it, Turnergel, you
know me. I ain't having it. Hey, But we're having
good conversation and understanding and good information right here.

Speaker 12 (59:26):
On w D I A don't go away. The BEV
Johnson Show returns after these messages.

Speaker 3 (59:35):
The BEV Johnson Show.

Speaker 12 (01:00:36):
You're listening to the BEV Johnson Show. Here's Bev Johnson.

Speaker 5 (01:00:41):
And we're back.

Speaker 4 (01:00:41):
We are talking with attorney Ursula Woods is here, Relatory
is here, Balencia Gate right with Keller Williams. I am going,
ladies to our phone lines.

Speaker 5 (01:00:50):
To KP hi, KP.

Speaker 8 (01:00:53):
Hey, good morning Bee, attorney, how y'all doing there? We do?

Speaker 13 (01:00:57):
We do well?

Speaker 5 (01:00:58):
What's your question?

Speaker 2 (01:00:59):
All right?

Speaker 8 (01:01:00):
My question is this. I used to live in Memphis.
I don't no longer live in Memphis. I live about
two thousand miles away. But anyway, I used to work
for a major company there and I got hurt on
the highway driving for this company. Although you know, it
was a working to come case, and you know, they

(01:01:21):
settled with me, but they left my medical open. And
this has been about or been about twelve years ago,
and now that I live in a different states, I
know it's working in come case. I've been told that
I have to come back to Tennessee to get medical treatment,

(01:01:45):
and I just wanted to know the lawyer that I
did have. They let the case go. I can it's
still an open case as far as my medical but
that the lawyer that I did have, they no longer
represent me. So what what should I do?

Speaker 5 (01:02:01):
Do you have an issue with the medical.

Speaker 8 (01:02:06):
The issue with the medical is this when I make
an appointment in Memphis to come back to Memphis. Uh,
the workman, the doctor there, the sad centric don't want
to approve it.

Speaker 5 (01:02:24):
They never want to prove it.

Speaker 10 (01:02:27):
Okay, all right, yeah, you you may need some Did
you go back to the attorney to see if they
would represent you again?

Speaker 8 (01:02:37):
I asked them, and uh, they would, they would, But
I really don't want to. I really don't want them
to represent me no more because I really in a way,
you know, Uh, he the man that did have the
working comfort department there, he no longer is with the firm,
and uh, you know, I don't want to go that route.

(01:03:03):
I'd rather go somewhere. What I am well.

Speaker 10 (01:03:05):
Unfortunately, I'm sorry I don't have a referral for you. Okay,
So I'm sorry about that.

Speaker 8 (01:03:13):
But let me ask you this, uh the love of
I kind of looked it up now by me living
in different states outside of outside of Memphis. Now do
they do they still have to pay for my transitation
because I'm not I mean, I mean, I don't know.

Speaker 5 (01:03:32):
I can't you don't. Yeah, I can't speak on your case.

Speaker 10 (01:03:35):
I'm sorry for being hardline about it, but I'm at
your case and see what you all negotiated, so I
can't adequately share.

Speaker 8 (01:03:47):
Oh, I'm gonna have to thank you so much.

Speaker 5 (01:03:51):
Hi, Clyde, How you doing?

Speaker 13 (01:03:54):
Bill Jones?

Speaker 5 (01:03:54):
I'm doing well, Clyde.

Speaker 18 (01:03:56):
You know, somebody send me out.

Speaker 12 (01:03:57):
But I just want how you lay doing.

Speaker 8 (01:04:01):
I just want one thing.

Speaker 18 (01:04:03):
I want her to explain about the reverse mortgage, because
I do got thing on plan about the reverse mortgan.

Speaker 8 (01:04:10):
I tell me it's not a good thing.

Speaker 18 (01:04:11):
So I'm gonna sit back.

Speaker 5 (01:04:12):
Well, hold on, you can say there.

Speaker 10 (01:04:14):
I'm not in agreement that they're always bad. I'm not
in agreement that they're always good. So I would love
to hear your if you want to stay on stay
on so I can explain and then I would love
to hear your feedback.

Speaker 5 (01:04:28):
Okay, all right, So what is a reverse mortgage? Yeah?
You want to know what it is, right Cline?

Speaker 18 (01:04:35):
Well, what I learned was my last partner his plans
have reverse mortgage on their house and I don't know
what happened, but he ended up.

Speaker 14 (01:04:43):
Had to get a house up.

Speaker 17 (01:04:45):
Well, I just want, I want.

Speaker 18 (01:04:47):
I don't understand how you it is a way to
keep the house.

Speaker 13 (01:04:51):
Do you have to give a house up?

Speaker 10 (01:04:53):
Okay, so if you know, you do not have to
give the house up. But your parents have the right
to get a reverse mortgage if they so desire, and
I mean that would and I'm gonna say it with
my chest, because this is their life that they have
paid this mortgage on and if they want to get
a reverse mortgage to be able to help them tie over,
then that's what they should do. And if you, as
the adult child that's being left behind, then save your

(01:05:16):
funds and not rely on the inheritance, right because that's
their legacy that they're leaving for them to utilize as
they desire. Now, how does a reverse mortgage work? So
the reverse mortgage the way it works is if you
own a house free and clear, meaning you don't have
a mortgage against the home, then you can take that

(01:05:37):
equity of the home and borrow against it. Sometimes the
lender will give you upfront the upfront lump sum one
hundred thousand dollars, or they may pay you monthly for
the equity that's in that house. I do not like
reverse mortgages because you lose a lot of the equity.
So let's say, for instance, the house is three hundred thousand,

(01:05:58):
they're only going to give you one hundred thousand dollar.
That means that two hundred thousand dollars worth of equity
is still in at home and it's being lost. Your
children then have the option to refinance that home for
just the one hundred thousand that the lender gave you,
plus some interest, but it won't be the whole three
hundred thousand, but that you have the option to refinance.

(01:06:20):
But if your credit is not strong enough, or if
you don't call Valencia gathright to get that house listed
and so because you can get it listen and so,
then you will lose the home. But you're losing a home,
not because somebody has done something evil to you. But
simply because you either didn't move quick enough to get
it listened and so, or because your credit wasn't such

(01:06:42):
that you could refinance. Now everybody's listening right now, squirming.
Then A see, nah, they just sold it under me.

Speaker 5 (01:06:48):
Yeah they did. But how long did it take?

Speaker 4 (01:06:50):
A year?

Speaker 5 (01:06:51):
Two years?

Speaker 4 (01:06:52):
Now?

Speaker 10 (01:06:53):
Sometimes that what I've been seeing lately is they have
been moving it up to ninety days. Well, when mom
and dad pass away, you need to have your finances
in order so that you can refinance, or either have
Lindsay gath Wright on speed down so you can get
it listened and so. But but I'm not I'm against
reverse mortgages, not because of I'm against it because of

(01:07:15):
the equity that you lose. That's the reason why I
don't like you got it, Cloude, I got it now.

Speaker 8 (01:07:21):
I didn't know they didn't give you all.

Speaker 12 (01:07:22):
Ye.

Speaker 8 (01:07:22):
I didn't even know how it worked.

Speaker 18 (01:07:24):
I just I just I didn't know how it worked.
But I just always thought it wasn't a good thing
because people I saw people lose their houses.

Speaker 10 (01:07:31):
So nobody lost their house. The person who's inheriting the
house did not have credit to refinance, and they didn't
move fast enough to get the house listened, and so.

Speaker 18 (01:07:42):
Yeah, I understand it that I appreciate this, Clyde for
your question.

Speaker 5 (01:07:48):
A good question. W d I a high caller?

Speaker 16 (01:07:51):
Hey, beb I like asking lawyer questions. Is it okay?

Speaker 5 (01:07:54):
Okay? What's your question? Unforgetful?

Speaker 14 (01:07:57):
Let's go.

Speaker 16 (01:07:57):
Let's go back to what class earth would I wouldn't
ask you? What do you name credit? You said they
didn't have no credit? To refine as what you mean
about that?

Speaker 5 (01:08:07):
All right?

Speaker 10 (01:08:07):
So, in order to refinance, your credit has to what's
the credit score six fifty or six six thirty, credit
above eight of five eighty. In addition to having five eighty,
you have to be able to afford the monthly payment.
So you have to have a score of five eighty
or above or and you have to be able to

(01:08:29):
afford the payment. And if you can't, then you have
to immediately call Valencia and get that house listed and sold.

Speaker 5 (01:08:36):
And then that way.

Speaker 10 (01:08:37):
So in our example was the three hundred thousand dollars house.
Mom them borrowed one hundred k. She'll get the house
listed and sold at three hundred k. Three hundred thousand,
you pay back the reverse mortgage company one hundred thousand
at the closing. You don't have to pay it back
in advance, pay it off at the closing, and then
you can pocket the other two hundred thousand. But you
have to move, you know, like you can't just be

(01:08:58):
like because listen said, I lost my mother and father.
So there's a time period for anybody who has not
lost your parents, there's a time period where you kind
of like out of touch with reality, you know, like
things just aren't as pressing as they really are, and
so then you lose time with that, so you have
to rely upon somebody else who's saying, hey, baby, we

(01:09:19):
got to get this house.

Speaker 5 (01:09:19):
Listen, come on, let's get it. Give her a call. Okay,
what's your next question? I forget for what's your next question?

Speaker 14 (01:09:28):
I just want to say about your credit report.

Speaker 17 (01:09:30):
It's ridiculous that ain't fair.

Speaker 16 (01:09:32):
Got to have this credit report to deal with you,
we finas, that's cold bloody.

Speaker 4 (01:09:36):
You gotta have you gotta have credit, even by house. Okay, okay, okay,
we know we have to have credit.

Speaker 5 (01:09:42):
What's the next question?

Speaker 8 (01:09:45):
John?

Speaker 5 (01:09:46):
Okay, okay, okay, here's it? Here is he okay? Just
just oh he's still.

Speaker 16 (01:09:53):
Last question what's the last question by law that a
person getting mail coming to another person home that if
they want to be put out, the police cannot put
them out. That's true or fault?

Speaker 10 (01:10:06):
What you can be from any place that you live, right,
regardless if you get mail or not.

Speaker 5 (01:10:15):
Thank you.

Speaker 16 (01:10:16):
So if someone getting mailed coming to someone house and
they staying there and the police come and say you're
going to be put out because the other person say so,
so that document don't mean nothing.

Speaker 10 (01:10:27):
Now mail doesn't give you any ownership interest in that property.
And please leave when the police ask you to leave.

Speaker 4 (01:10:33):
A premises thank you, I forgetful, right, let me get
to this email. Attorney Ursula says, this is for the
state of Mississippi. If a will has been probated for
five years and now the beneficial beneficiary who is sixteen,
wants the trustee to turn over land to his mom
and the executor.

Speaker 5 (01:10:53):
Do they have the right to do that? It depends
upon what the judge. I can't.

Speaker 10 (01:10:58):
Yeah, I mean answer is even if the will is
five years old or older, the judge can still rule
on that. Judge Okay, well.

Speaker 4 (01:11:05):
She says, I'm the trustee have handled an upkeep of
the taxes, etc. Have for five more years? Have half
five more years? I've been done under my dad's last wishes.
They are suing me and taking me to Oh ya,
ain't me as a trustee? Am I responsible to pay
for the lawyer court fees out of pocket?

Speaker 8 (01:11:25):
Oh?

Speaker 10 (01:11:25):
She has to look at her trust agreement to see
what it provides for. Some trust agreements say that if
you're sued that you can take the funds from the trust.
So she needs to give us a call at nine
zero one, five four to one. Help have Attorney Johnson
take a look at that and analyze what her rights
are within her trust.

Speaker 5 (01:11:43):
Okay, all right, this email.

Speaker 4 (01:11:48):
Our grandparents' house has been empty for over twenty years.
There are five siblings who are all deceased. Currently one
of the siblings living grandchildren have been paying the tax
is however, they allowed their sister to live in the
current grandparents house on that property. Is it true that
as he pays years after year in Mississippi, the property

(01:12:11):
is his even though he never communicated to the other
ears of the intention or ask for approval for his
sister to stay in granny's house.

Speaker 5 (01:12:20):
All right, so I think what's right?

Speaker 10 (01:12:22):
So no, I don't know how just because someone pays
taxes does not mean that they're the owner of the property.

Speaker 11 (01:12:29):
There has to be some more steps beyond that.

Speaker 10 (01:12:32):
But to unpack it a little bit, Yes, if I'm
the owner of the property and I let my brother
stay there, I have just as might right as you
right to let your niece or nephew stay in the house.
So that's where the confusion usually comes in.

Speaker 5 (01:12:46):
But that it can occur.

Speaker 10 (01:12:48):
But if you recall, like a client earlier, the judge
required that they pay rent, you know, and you can't
allow ways to occur.

Speaker 5 (01:12:54):
But if you want to, that's you know what everything
that we're talking about.

Speaker 10 (01:12:58):
Today could be result if people had a whill right
if you just sit down and do one of two things,
call Attorney Johnson and ninezer one five four to one
help and get a wheel. Do not go online and
get these goofy wheels online. I know I call them goofy,
But the reason why I said that is because they're
missing critical pieces that Shelby County requires, you know, and

(01:13:20):
then they're not going to acknowledge them.

Speaker 5 (01:13:23):
Or you need to do this. This is free advice.

Speaker 10 (01:13:24):
You heard it on BEV Johnson in one hundred percent
your writing, Valencia, Bev, y'all.

Speaker 5 (01:13:31):
Need to do this too.

Speaker 10 (01:13:31):
If you have not called Monika and one hundred percent
in your writing, you need to write down what you
want to have happen to your assets. It has to
be one hundred percent in your writing. Do not type
it because it's called a holographic wheel. So we have
to be able to prove that Bev wrote this, not
ursulate that Valencia wrote this, not Beav get it like
whoever will it is. It's your writing, not your kids.

(01:13:52):
And you don't have to be fancy. You can be
like my house goes to Mary, my my dish collection
goes to Valencia, just whatever. You know, my soroy gets
my bank account, whatever the case may be. Then you
can leave it in that will. It's called a holographic will,
sign and date it. You know, I would call it
last will and testament. But if the seventies people just
have a whill, then nobody you won't have this infighting.

(01:14:14):
And I always encourage you to have your kids, let
them sell the house, do not make them stay in
that house, because now you have situations like this, like
the email or the caller earlier, five people now they
passed away.

Speaker 5 (01:14:29):
Now the grandkids. Now you got some brother living in there.

Speaker 10 (01:14:32):
Because usually I'm not trying to disparage anyone, but usually
somebody who just got out of jail and just need
somewhere to stay because everybody else usually has their own home.
So instead of letting waste occur, get the household, split
the proceeds.

Speaker 4 (01:14:45):
And move on back to our phone lines. WDIA high caller,
Hi Bell.

Speaker 5 (01:14:51):
Hi, how are you?

Speaker 8 (01:14:53):
I'm just fine.

Speaker 2 (01:14:55):
I'm calling them with the question. I purchased my home
about fifteen years ago, and it was a thirty year mortgage,
and I saved up my money and I've paid the
house off completely. Now what happens to the money for
fifteen years that I've had for life insurance? Can I

(01:15:20):
let that continue even though I haven't passed away? Or
what happens to the money that I put in for
life insurance and homeowners insurance?

Speaker 5 (01:15:31):
All right?

Speaker 10 (01:15:31):
So the homeowner's insurance is very specific for the period
of time. So homeowners insurance was for a twelve month span,
So if you don't utilize that homeowners insurance within that
twelve month span, then that service is rendered. Insurance is
just in case an emergency happened. If it does not happen,
then there's no equity that's building up there. We're talking

(01:15:52):
about hazard insurance. You just been simply paid for that
twelve month time spent. If something occurred, then you are covered,
which time you don't build up equity. That money has
been has been services rendered, and has been utilized. Now
as far as the mortgage payments that you were making,
those mortgage payments pay back the loan in order to

(01:16:14):
purchase the home. But you do now have equity in
that house. So do you know how much your house
is valued at.

Speaker 16 (01:16:22):
Right now?

Speaker 2 (01:16:23):
They're saying it's value that maybe eighty thousand dollars.

Speaker 10 (01:16:28):
Okay, So let's say for instance eighty That house is
value that eighty thousand dollars. So if Valencia Gathrite came
along and wanted to sell it, she would sell the
house for eighty and you would take that money and
you would be able to enjoy the equity that is
in your home. So that's so it's in there, but
it's the equity in your home is of course in

(01:16:49):
the value, but you only realize that value when you
get a refinance or when you sell that.

Speaker 2 (01:16:54):
Home Okay, well, what about the life insurance that I
have been paid?

Speaker 5 (01:16:59):
Life insurance.

Speaker 10 (01:17:00):
Some policies do build equity, some do not. Sanja Hester,
Sanja Hester, I love her. She's over there at Reala's
Sanders All State Insurance, as well as Leslie Johnson at
State Farmed. Those are individuals who can tell you all
about life insurance policies. So definitely called Leslie Johnson at
State Farm or either Realists Atsanja at all State. But

(01:17:23):
here's the key. Some life insurance policies actually do build equity,
and you can pull on that equity as you so desire.
I just got a policy with Sanja that allows me
if I become sick, like I can cash it in.
I pay my monthly amount, but then I can cash
in that policy if I become sick.

Speaker 5 (01:17:44):
So if it has to be like a terminal illness.

Speaker 10 (01:17:47):
Or cancer or something that's really bad, or if I
got breast cancer, then they will pay me. I think
eighty percent of five hundred thousand, so I think we'd
be looking at four hundred thousand or so. And then
of course if I were to pass, then kids will
get the remaining hundred or if I didn't use any
of it. They get all of that, you get it.
So it depends upon the policy that you have, and

(01:18:08):
you can always switch policies. So you know what, call
Sanja Hester at All State Insurance, Sanja Hester with All
State Insurance, and tell her to tell you about make
sure you tell her Ursula would tell her to tell
you about the type of insurance policy that does build
an equity.

Speaker 13 (01:18:27):
Oh I remember, Oh I can find it.

Speaker 10 (01:18:31):
Okay, all right, okay, good luck, thank you, bye bye bye.
Information that was yeah, yeah, life insurance is not going
to necessarily build equity, but you can. And I really
do like the policy that Sanja put me in. I
like it because you can't use it now or it

(01:18:51):
can be used later.

Speaker 4 (01:18:52):
And I want to say that the last call to
call she talked about she talked about and our home
insurance and stuff. And for those you all out there,
and Valencia could attest to this. You know, you've paid
your house off and doing when you're paying your mortgage,
your insurance and all that came out of the mortgage.

Speaker 5 (01:19:13):
But now you've paid your y'all get some house insurance.
Oh you mean when the house is paid in full?

Speaker 10 (01:19:19):
There is nothing more devastating than sitting in a closing
across for somebody who lost their house. Yes, because they
did not have homeowners insurance. You know what, we should
have been talking about that all day. Thank you, Bev,
because you know so many people have been in Collin
saying that they mom died and they own these houses.
I know y'all own those houses free and clear. Go

(01:19:40):
get you some Cayle Realers Sanders at all stayed insurance.
She is right underneath Bev Johnson right now on that first.

Speaker 5 (01:19:46):
Floor, y'all.

Speaker 10 (01:19:47):
If y'all do Kyle Realer's and if you want to
use a lady, to use Leslie Johnson. She's the Sorroh
Valencia and Beth and she's with State Farm Insurance Agency.

Speaker 5 (01:19:57):
So either way, you got a good neighbor. Either you
in good hands.

Speaker 10 (01:20:00):
Either way, y'all call realists and call Leslion and get
y'all some homeowners insurance.

Speaker 4 (01:20:03):
I mean that, yeah, I do, because I always think
about Tony Ursul, the man who came here. His house
was paid off, then he wasn't had any his house
burned down.

Speaker 10 (01:20:13):
Right, you didn't have any insurance, right, and then they
renting you get renters insurance. That's not but nine dollars,
don't get renters insurance, I mean Red Cross, I get it.
Go fund me, you know.

Speaker 5 (01:20:22):
I Hey, I'm right there with you.

Speaker 10 (01:20:24):
But if we can pay nine dollars a month, go
get you some insurance if you're renting, because they'll cover
you if something. And listen that apartment. Don't even call
up here the apartment complaints. Aren't they responsible? No, no,
they are not responsible for the contents of your home.
They're only responsible for the exterior. That's it, meaning the building.
They're only covering theyself.

Speaker 5 (01:20:46):
So get some rent.

Speaker 10 (01:20:47):
I want to just say that, yeah, all right, right now,
if we can switch gear, we have any more things, okay,
I want to switch gears just a little bit, if
that's okay. So an exciting and exciting piece the property
come has come to be listed in Memphis, Tennessee. It
is one of the most fabulous condos that there are downtown.

(01:21:09):
It is so cutely decorated. You know, this is the
type of lifestyle that you have when you're going to
go to the archives at Hotel Napoleon and enjoy mimosa
and brunch, which I went there. By the way, Bev
you and your friends have got to go. Me and
Valencia went to Archives at Hotel Napoleon. They have the
best breakfast. So after getting breakfast there, you can grab

(01:21:32):
you a cocktail, maybe walk over and walk the dog
at the dog park and catch a game at the
Grizzlies at the Redbird Stadium and then you just you're
right there at home. So Valencia, tell us all about
this beautiful condo. Oh hold on, wait, wait, because I'm
so excited about this condo.

Speaker 5 (01:21:49):
It's so cute.

Speaker 10 (01:21:50):
It has a balcony overlooking the city. But here's the
other piece. In addition to that, your packages. They have
people that can receive your packages. Everything is gay and
locked downstairs.

Speaker 5 (01:22:01):
You have a g It is so cute. It's so cute.

Speaker 11 (01:22:03):
And that said about then that said aboutcony.

Speaker 5 (01:22:06):
All right, so.

Speaker 10 (01:22:07):
Downtown living, and this is all for no more than
about twenty three hundred a month.

Speaker 5 (01:22:13):
That depends upon your credit.

Speaker 10 (01:22:14):
You know, some of y'all, you know, may have some issues,
but Valencia will tell you all about it. But for
the average person, it may be about twenty three hundred dollars.
So tell us about this condo. So hello, thank you
for letting me join.

Speaker 11 (01:22:27):
We have a wonderful condo that we want to kind
of shout out today and it's kind of really endearing
and special to me. So downtown living, there's a new
condo State Place Condos right there at Tennessee and Georgia.
The address is six six' Five Tennessee, Street unit five oh,
eight so you're on the very top. Floor so what's

(01:22:48):
exciting about condo? Living for one, Thing i've done it
for the last sixteen years and it's been nothing but
a plus to. Me But i'm parting my ways and
we have officially put it on the, market And i'm
super excited to share with you really some of the
benefits of condo. Living for one, thing it's perfect for

(01:23:10):
someone single or for a couple or small. Family SO
i will be very honest with. You you don't really
want to have a lot of children running in and
out of a. Condo but it's for kind of a luxury,
lifestyle particularly because you're going to be Downtown. Memphis so
this one in PARTICULARLY i love because it belonged to

(01:23:33):
a very good friend THAT i. Know but you know,
what it features two, bedrooms two and a half, baths
and both bedrooms are. Sweets hold, on wait, man two
and a half, baths so each bedroom has their own full,
bath and then if you have, guests they can have
a half, bath so they don't have to come in your.

Speaker 5 (01:23:54):
Bedroom. Right, OH i don't like.

Speaker 11 (01:23:57):
That, yeah and it has been completely, renovated so it's
a brand, new beautiful kitchen with, courts countertips and beautiful white.
Cabinets new laundry room and new, flooring so.

Speaker 5 (01:24:10):
A laundry room. Too, yeah and you don't have to go.
Downstairs oh, no this is condo.

Speaker 11 (01:24:15):
Living so one good thing about condo living is it's.
Convenient it's very low, maintenance so that's a plus because
everything with your homeowners insurance is. Covered it covers all the,
Exterior it covers your, water it covers your, cable your
YOUR jojy bill is probably gonna be.

Speaker 5 (01:24:35):
Under one hundred.

Speaker 11 (01:24:35):
Dollars but the convenience of it is, security especially if.

Speaker 5 (01:24:39):
You don't rush over that.

Speaker 10 (01:24:41):
Way hold, on, okay because most people complain about their
utility bills like five, hundred four. Hundred so you mean
to tell me two, bedrooms two and a half bath
and your utility can be less than one. Hundred everybody
shall sign me, up sign me. Up so it's two,
bedrooms two and a half. Bath that's why you were,
saying maybe not for a lot of, kids but IF

(01:25:01):
i had a child or you, know, Two i'm just
gonna it's not conducive for children running and playing because you,
know children want to be. Outside but now some of
the great features is, that particularly this condo has a swimming.

Speaker 5 (01:25:18):
Pool ooh, okay so he has a swimming pool right full,
gym full gym the.

Speaker 10 (01:25:24):
Building so think about how much you can end up
saving because you're not paying for a gym. Membership you
don't have to go to the. Spa you have the
gym right. There you have a pool right. There so
if you do have a child or, two then you
could occupy.

Speaker 5 (01:25:38):
This and then they have something to. Do want to
go to the?

Speaker 10 (01:25:40):
Pool, yes, honey just go right downstairs in the. Backyard
what about.

Speaker 5 (01:25:44):
Dog friendly, dogs doggy.

Speaker 11 (01:25:46):
PARK i think the biggest part for me has been
feeling safe because there's a covered, garage gated. Entrance no
one can get in the building without access to someone
who lives.

Speaker 5 (01:26:02):
There so that's a.

Speaker 11 (01:26:03):
PERK i, know we shouldn't leave our doors, open and
accidentally sometimes it has been.

Speaker 5 (01:26:08):
Unlocked but you, KNOW i.

Speaker 11 (01:26:10):
Sleep very well knowing no one's coming in the.

Speaker 5 (01:26:13):
Building so if.

Speaker 11 (01:26:14):
You're looking for, security gated a luxury, lifestyle you, know
this is a great. Place and wature's a wonderful balcony
that has a view of both bridges now, Too AND
i don't know if The Tumley park has opened back,
up AND i went this. Weekend absolutely fabulous and walking.

(01:26:36):
Distance so it's a. Lifestyle, restaurants, fun, Entertaining grizzly, Games redbirds,
game walking. DISTANCE i mean even IF i take an
uber or you want to take an, uber it's usually
about five or six.

Speaker 5 (01:26:51):
Dollars. Wow so they have golf cart ubers too as.

Speaker 11 (01:26:56):
Well they can do, that and you, know if you
want to have your own, golf you can do that
that downtown.

Speaker 10 (01:27:02):
Lifestyle then make sure you grab A grizzly game and
before you go go by the archives At Hotel, napoleon
get a cocktail and then go to your condo. Afterwards
so we're looking at two, bedrooms two and a half,
bath the, kitchen you, guys upgrades. Galore i've seen the.
Kitchen it is absolutely too. Cute there's enough space for

(01:27:22):
you to move around to be able to cook whatever you.

Speaker 8 (01:27:24):
Need you have.

Speaker 10 (01:27:25):
Countertops it's very much low, maintenance less than one hundred
dollars a. Month homeowners insurance has got to be low
because the condo covers all of the heavy lifting. There
do you all have a dog park so if you
have Little, muffy Then muffy will have somewhere to run and.
Play and then you have a gated garage so you
are safe downtown and the downtown has a higher police.

(01:27:48):
Presence now they have some that are on, bike on,
horse and on, foot so it's getting pretty safe down.

Speaker 5 (01:27:54):
There do you?

Speaker 11 (01:27:54):
AGREE i, Agree and you, KNOW i know it's kind
of a little controversy now with The National guard's. Coming
you know WHAT i saw ON tv this, morning crime
is really.

Speaker 10 (01:28:04):
Down, yeah to crime is already. Down hold, on let
me just say. This i'm, sorry do. Not let Don't, Memphis.
Tennessee don't act brand new when These National guards getting.
Here And i'm not playing with. You Mayor Paul young
has been showing the statistics as to when our crime
has been going. Down that man has been in the
office and the crime has been going. Down now will

(01:28:25):
The National guard? HELP i don't, know that's yet to be.

Speaker 5 (01:28:28):
Seen.

Speaker 10 (01:28:28):
All one Thing i'm saying is don't act brand. New
our numbers have been going, down But i'm, SORRY i
got on the little. Cat so, yeah so the numbers
have been going. Down, yes so you know you can
feel safe. Again you, know we're gonna always have some. Foolishness,
correct that's In, Germantown, cardiville.

Speaker 5 (01:28:44):
Anywhere that's.

Speaker 11 (01:28:44):
Right we just need to learn how to. Act you,
know we need to be on our best behavior because
you know, people you, know when they're acquiring, properties they
want to feel good about. Them we feel safe condo
or single family, home you want to be.

Speaker 10 (01:29:01):
Safe and then the balcony has the views of views
of both. Bridges so when you talk about downtown, living
we talked about the, Safety we talked about the. Activities
tell us something that you love about downtown.

Speaker 11 (01:29:13):
Living what's unique to.

Speaker 5 (01:29:15):
You it's just.

Speaker 11 (01:29:15):
ACCESSIBLE i mean all of your activities are. DOWNTOWN i
mean you can go to The, Orpheum you're going.

Speaker 5 (01:29:22):
To The, forum all of the.

Speaker 11 (01:29:24):
Restaurants there's so many beautiful venues downtown now, too it.
Is and the, RESTAURANTS i, mean oh, yeah we have
some wonderful. Restaurants i've gone To, napoleon can't wait to
go again to the archives there and some truly beautiful restaurants.
Downtown so let's make downtown great.

Speaker 5 (01:29:44):
AGAIN i know that's. RIGHT i love that all?

Speaker 4 (01:29:47):
Right any other, information, ladies before we get ready to
wrap this thing.

Speaker 5 (01:29:52):
Up what's the?

Speaker 11 (01:29:53):
Address the address is six six y Five Tennessee, Street
unit five oh. Eight you're at the very top and
it's priced just. Right you can't get anything. Downtown a
beautiful condo two hundred and ninety five thousand. Dollars so
we can get you. Qualified, uh stop paying, Rent stop
paying the, rent get you something you can own.

Speaker 10 (01:30:15):
And And valencia has lenders who can get you. Approved So,
valencia what's your telephone? Number what number should they?

Speaker 5 (01:30:23):
Call if they're? Interested please Call.

Speaker 11 (01:30:25):
Valencia gath, right my phone number is nine zero one
six five nine five.

Speaker 5 (01:30:33):
Nine very.

Speaker 10 (01:30:34):
Easy so all you have to do is text condo
to nine zero one six five nine five, nine and
she will send you the pictures and the digital flyer
our information guarding that.

Speaker 5 (01:30:47):
Condo so say it one more, Time so give me a.

Speaker 11 (01:30:50):
Call you've got the right. One that's WHAT i say
all the.

Speaker 5 (01:30:52):
Time call.

Speaker 11 (01:30:53):
Me i'm gonna put you with the right. Lenders you'll get,
pictures you'll get an opportunity to. Visit uh so call
me nine oh one six four nine five nine five.

Speaker 5 (01:31:03):
Nine, yep that was. Good, YEAH i love that downtown love.
It don't love?

Speaker 10 (01:31:08):
It, Bell you may be ready to, switch you may
be ready to give up the suburban.

Speaker 4 (01:31:15):
Life, sister you're right, Right thank you sor for being.
HERE i appreciate. It thank, you and any last, Words
Attorney Ursa, woods get that number out To.

Speaker 10 (01:31:25):
Yes shout out To Attorney Monika. Johnson she had to
work in the office. Today i'm pretty sure she's hand
lots of telephone calls for you, Guys so give us a.
Call just because the show, ends the conversation can keep.
Going I'm Attorney Ursula, woods and you can give us
a call at nine zero one five four to.

Speaker 8 (01:31:43):
One.

Speaker 10 (01:31:44):
Help that's nine zero one five four one four three five,
seven and we'll take care of.

Speaker 5 (01:31:49):
You sounds. Good thank, you, Sisters thank. YOU i appreciate your.
Banking that's, right that's.

Speaker 8 (01:31:54):
Right the views and opinions discussed On The Beth Johnson
show are that of the host callers and not those
of the staff and.

Speaker 5 (01:32:02):
Sponsors of wt I.

Speaker 4 (01:32:04):
A i want to thank you, CALLERS i want to
thank you listeners for joining us this day on the
Bb Johnson. Show we, do we really do appreciate. You
so until, tomorrow please be, safe keep a cool, head,

(01:32:25):
y'all don't let anyone steal your. Joy until, Tomorrow I'm
Bab johnson and y'all keep the faith