Attorney Ursula Woods, Valencia Gathwright, Sonja Hester

We're "Asking the Experts"  with Attorney Ursula Woods, Valencia Gathwright and Sonja Hester on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:03):
Memphis probably presents The Damp Johnson Show.

Speaker 2 (00:08):
Let me you say bath.

Speaker 3 (00:11):
Gone me first, let me you say.

Speaker 4 (00:21):
She's gone hempist of gain.

Speaker 3 (00:28):
No matter of the problem, she can have you so
all the phone and norma your mine. She jimmy in
the hair by chilling you to just keep them.

Speaker 5 (00:48):
When I picking up the chosing, show goes.

Speaker 1 (00:53):
Well, I've got out in gay hap you can hear
every day. Well, good morning, good morning, good morning, and
welcome in to w d i A The Bev Johnson Show.

Speaker 2 (01:16):
I'm Bev.

Speaker 1 (01:17):
It is indeed a pleasure to have you with us
once again on this Thursday, May twenty second, twenty twenty five.

Speaker 2 (01:25):
Enjoy this fabulous day to day.

Speaker 1 (01:28):
Put your ears on as we get ready to share
the good news. Back in the house with us, it's
Attorney Ursula Woods from the bankruptcy firm preferred title an
Escrow nine oh one car wreck is here and that
famous soap box. She'll be in to spread the good news.

(01:51):
When it's your turn to talk, you know you can.
All you need to do is 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 four two eight three

(02:13):
three five three five nine three four two will get
you in to me. And if this day, this day,
Thursday May twenty second, twenty twenty five, is your birthday.

Speaker 2 (02:37):
Happy birthday to each.

Speaker 1 (02:38):
And eghy tenty y'all out there who may be celebrating
a birthday on this day.

Speaker 2 (02:44):
You know what I say, God, celebrate your life. You better,
you better.

Speaker 1 (02:52):
When we come back, we will talk with Attorney Ursula
Woods and me Bevjohnson on the Bev Johnson Show only
on w d I.

Speaker 2 (03:07):
A m hm, good morning.

Speaker 1 (05:00):
Ain't welcome back to wud I A The Rev Johnson Show.
It is indeed a pleasure to have you with us
once again on this Thursday, May twenty second, twenty twenty five.

Speaker 2 (05:12):
Enjoyed this fabulous day to day.

Speaker 1 (05:14):
As I said earlier back in thy seat, in the
hot seat, I know to share the good news with you.

Speaker 2 (05:22):
Attorney Ursula Woods.

Speaker 1 (05:24):
From preferred title in escrow the bankruptcy Firm nine oh
one correct, she is here today and let me say
good morning, Sirstick.

Speaker 5 (05:33):
Good morning sister. How you doing.

Speaker 1 (05:35):
I'm doing fabulous? You know this this stuff and you
try to steal my job. But it ain't gonna steal
my joying, not at.

Speaker 5 (05:41):
All, not a minor inconvenient I like that mine inconvenience, minor.
Ain't we gonna stay focused?

Speaker 1 (05:47):
Are gonna stay That's right, We're gonna stay, thank you,
since I need it there, I'm gonna stay focused because
this ain't gonna steal my joke.

Speaker 2 (05:54):
Joy up in here, and.

Speaker 5 (05:55):
We ain't gonna miss it. Nobody else's day either, that's right.
This sound plus sound plus. You ain't still in my joy,
that's right. But everything is working.

Speaker 2 (06:03):
Good, good, Yeah, you're good. You're doing well.

Speaker 5 (06:06):
I am doing well, I mean not as well as you.
Welcome back, well, thank you, thank you, welcome back.

Speaker 2 (06:12):
How was the same Lucia?

Speaker 5 (06:14):
Is that okay to say?

Speaker 6 (06:15):
Sure?

Speaker 5 (06:16):
Okay? How was Saint Lucia's like? Was it as beautiful
as they say?

Speaker 2 (06:21):
Attorney Ursula? It was simply fabulous.

Speaker 1 (06:23):
We stayed at the Coconut Bay Resort and Spa.

Speaker 2 (06:29):
Simply beautiful.

Speaker 1 (06:30):
It's just nice. The people just fabulous. The resort had.

Speaker 2 (06:35):
Everything you wanted and more.

Speaker 1 (06:37):
Oh wow, it's all inclusive, so all your food and
your drinks had it has about about five five restaurants
on the property about five six swimming pools.

Speaker 2 (06:51):
Oh, it's right on the beach. So you you know,
you don't want to go far. No, you don't just
walk down. You have to go far. If you don't
want to be at the pool, you go to the
beach and later on the.

Speaker 1 (07:01):
Beach in the sun, the sun, and and and and
the entertainment.

Speaker 2 (07:12):
Their sister.

Speaker 1 (07:14):
They even know how to do boots on the ground,
Are you serious? And Saint Lucia when we got there
the first first night, hey, they had them. The first
night was was country and Western night entertainment, so you know,
but but we were boots on the ground and oh
but but it was simply simply fabulous.

Speaker 2 (07:33):
You would you would love that place, I know you
would it.

Speaker 1 (07:36):
So I like to think I like to say it
turned thank you to I will keep thinking them my
tribal agents, Regina Johnson and Verdiel Bowden, who always put
together a fabulous celebration for me.

Speaker 2 (07:47):
And I was celebrating my birthday.

Speaker 5 (07:49):
And are they here local region?

Speaker 1 (07:51):
Yeah, they are local here and they they do all
they've been doing all my trips for the last years.

Speaker 2 (07:58):
And so they are simply fabulous.

Speaker 1 (08:01):
So but they put together and and the people say,
Luis shall one night they had brought a big cake
in there for me head on the queen being.

Speaker 5 (08:09):
What and they did all of that. Oh yeah, it's
about the details. We talked about the little things. But
the little things really make a big difference, does it?

Speaker 2 (08:17):
Does it does?

Speaker 5 (08:18):
How do people get in touch with that travel agency
if they wanted to use them? And do they only
handle group travel or travel?

Speaker 1 (08:25):
Well, they do individual group It's Hodge Podge Travel and
Ondge Travel. You can get on Facebook or whatever. But
if people if people want her number, email me, that's right,
Bev Johnson and I will give you her information.

Speaker 5 (08:43):
But she is simply and this is a legitimate company. Yes,
don't call, don't don't go to just any travel agent.
They will take your money, they will see them again.
But this company is legit.

Speaker 1 (08:53):
But Regena for there they know how to do it.
They they know how to give you the perks. And
it was it's just it's they always put together.

Speaker 2 (09:01):
Yeah, they always.

Speaker 1 (09:02):
Because last year we went to Ruba and before that
lost Cawbos, Barbados and Glass So they're bad.

Speaker 7 (09:09):
They bad.

Speaker 5 (09:11):
I'm glad that you had a good time.

Speaker 2 (09:13):
I did. I did have a good time. I needed it.
It was a good art.

Speaker 5 (09:17):
You look really relaxed.

Speaker 2 (09:18):
Well, thank you, I needed it, right.

Speaker 5 (09:21):
Amen. Did you consider that your birthday celebrating?

Speaker 6 (09:25):
Yeah?

Speaker 1 (09:25):
You know I celebrate a month May. Yeah, so I'm
a birthday girl all month.

Speaker 5 (09:29):
And you did a little did you do a little
sum at your house.

Speaker 6 (09:32):
Or with No?

Speaker 2 (09:33):
No, you saw something. No, that was recent.

Speaker 1 (09:37):
My my god brother surprised me with a birthday dinner
Mahogany River Terraces.

Speaker 5 (09:42):
Oh, that was nice. It was I was just with
attorney Carly McCullough Mahogany Mahogany River Terrace.

Speaker 2 (09:54):
I just thought I was just.

Speaker 1 (09:55):
Going to dinner with them for They said, we're going
to do for birthday? So what are you doing for
your birthday?

Speaker 2 (09:58):
Said? Nothing, Well, let's go to dinner. I said, okay.
And I get there and I see these.

Speaker 5 (10:03):
I'm like, everybody there?

Speaker 3 (10:05):
What?

Speaker 2 (10:05):
Oh my, I'm thinking folks are there for dinner?

Speaker 6 (10:07):
That?

Speaker 3 (10:08):
Uh?

Speaker 6 (10:09):
There?

Speaker 2 (10:09):
They surprised me. Now that was nice and and you
and I was totally surprised. The sweetheart was even no,
how beautiful?

Speaker 6 (10:21):
What was that?

Speaker 2 (10:22):
Sister?

Speaker 5 (10:24):
I was totally just tell them that, you know, we
wish we would have been there. We wish we would.

Speaker 1 (10:29):
Yeah, but that was yeah, And I guess they call
the people they had numbers for her, but yeah, yeah.

Speaker 2 (10:35):
But yeah, it was. It was really nice.

Speaker 5 (10:37):
And you guys, I just want to point out you,
if you're not in the studio. Bev Justin has On
her Russ College eighteen sixty six had On just shout
out to all of our HBCU grads that turning Monika
Johnson is not here a huge hugs in love because
she is not only a graduate graduate of Russ College,

(10:58):
but her daughter, Jada just graduated from Spelman College. So
shout out to Monika Johnson and Jada Blair Johnson. She
is a scientist, biologist and she's going into stem cell research.
So if y'all have any internships in stem cell research,
make sure you email Bev. Beth is going to pass
it on to Monika. We want to have another African

(11:20):
American female leading the world of science.

Speaker 1 (11:23):
I will check with my Niee too because my niece
who's in that, well, she just got her doctorate, but
so so she may know some.

Speaker 5 (11:33):
She may And one of the things is as a scientist,
you need to participate in research studies or lab work.
That's very important. I'm not a scientist, but I'm just
sharing what I hear, so she may she may have
her hand on a beat of what's going on in
that area. So definitely, Oh yes, ma'am, Yes, ma'am, yes, ma'am.

Speaker 2 (11:56):
I was surprised. I was really surprised.

Speaker 5 (11:59):
BEVs is handsome. He's a like when I listen, don't
tell me you came find love. Somebody found it is handsome.

Speaker 2 (12:09):
Good, but not about me.

Speaker 5 (12:10):
Okay. But but I had some good news for you, Okay,
but I want to hear the soapbox. All right, Okay,
I'll tell you my good news, lad, but I want
to hear this somebody. I mean to hear the good news.

Speaker 1 (12:21):
Well because because I hadn't seen you in Attorney Monika
last time.

Speaker 2 (12:25):
But and I know you you you appreciate hearing this.

Speaker 1 (12:28):
I will be inducted in September into the National Black
Radio Hall of Fame.

Speaker 5 (12:35):
Oh yes, hello, yes, the National Okay in Saint Louis.
This is a two time Hall of Famer, one for
Tennessee and now we have the National Black hal of Fay.
You cannot get any better than this. You all are
sitting or listening, shall I say to greatness coming through
these airwaves. Congratulations. Yeah, we talked about it briefly, but

(12:57):
that's exciting. When is the actual award in September? In September, okay,
in the fall. Yeah, we need to get some people
to gather, y'all. Saint Louis is not that far from now.
We may have Miss Nashville, but we can get to
Saint Louis, right, show our love and support for our hometown.

Speaker 8 (13:12):
Girl.

Speaker 5 (13:12):
Thank you, sy I, sister well susta well.

Speaker 2 (13:15):
I gotta hear this soapbox, the famous soap box.

Speaker 5 (13:19):
Let's talk about the soapboxes. So I am, of course
attorney Ursula Woods and today's soapboxes. Just really just to
remind you that tomorrow is not promised. Tomorrow's not promise.
You have a mother, you have a father, you have
a loved one, make sure you embrace them. I talk
about this frequently. It's just something that is on my

(13:40):
heart because so oftentimes when you have the one that
you love, you just take advantage of it, like, oh
my god, my mom is calling me again. Well, for
those of us who've lost our mother, we've lost our father,
we have Mother's Day that just passed, right. We also
have Father's Day that's coming up as well. So when
you have these holidays that are coming up, conscious that

(14:01):
not everybody is starting from the same starting point, meaning
that not everybody has their mother, not everybody has their father.
So just be conscious of those things when you are
wishing to everyone happy Mother's Day. So you may want
to give a little extra love to those that do
not have their mother, who do not have their father.
So I just want to share that and then to

(14:21):
just say make sure you connect with your own loved ones,
to make sure that you are showing them the love
and appreciation while they are alive. And that also includes
our friends. Our friendships have to be fostered and catered
to if they're going through a tough time. Now, it's
not the time for you to be selfish and focused
on yourself. Maybe think outside of yourself and think what
is your friend needing. So in order to foster these relationships,

(14:45):
it just has to be on the forefront of your mind.
And that's the reason why I'm bringing it up in
a soapbox. And today I'd like to introduce one of
my friends of the show and also one of my colleagues,
which is real to Valencia gather.

Speaker 9 (15:00):
Yay, yeah, good.

Speaker 2 (15:03):
Morning, sister ancestor Sarah. Yeah, that's right.

Speaker 5 (15:08):
Welcome to wd IA AM ten seventy to Bev Justin's
show on The Beautiful People Radio. Welcome back, Thank you.
It's been a while, it has been around. What have
you been up to these days?

Speaker 6 (15:22):
Selling?

Speaker 5 (15:22):
Real estate? Selling? Really? You know she's being modest. She
just got back baby, and she has a whole new look.
I mean, yeare nailss not address that's the same, but outfit,
everything is fresh with you. Today Bev was talking about
the importance of getting away sometimes. What do you like
to do to take a break and balance out all
your hectic, crazy life.

Speaker 10 (15:43):
I love to travel, and I think in particularly, it
was great last week to just go and you know,
be around great friends, right retreat, relax our homegirl quad
Web from merrit to medicine, Okay, quadwa web birthday was
last Tuesday, so I went to Atlanta to support her.

(16:04):
So because you all are really good friends, very well
trying to name drop, but she is really good.

Speaker 5 (16:10):
Friends and so what did y'all went to dinner?

Speaker 10 (16:13):
We had a fabulous birthday party for Tuesday night. Of course,
she's filming now for the show, so we had some
sets for that. We did a little shopping, lots of
spicy eating.

Speaker 5 (16:23):
Oh wait, you do do you? Okay, you said spicy eat?
So does that mean you don't like spice or you?
I love spicy?

Speaker 10 (16:30):
She loves extra spicy, do too. We did a lot
of cooking in her fabulous kitchen. You know she has
her own cookbook, swim a lot.

Speaker 5 (16:40):
Well, I didn't know she had her own cookbook. Okay,
shout out to Quad for having a cookbook. What do
you know the name of her cookbooking Cooking with Quad.
So and she had some good recipes and the beautiful
recipes in there.

Speaker 7 (16:51):
So make sure you put your hands on.

Speaker 5 (16:53):
That book, you know what. We should buy some and
give them away as as gifts you know when people
come in. Yeah, that will be nice.

Speaker 11 (17:00):
Yep, good.

Speaker 5 (17:01):
All right. So Mss Valencia and I have gotten together
to gate today, guys, and so what we're going to
talk about is the ability to be able to purchase
a home even if you're facing financial difficulty in terms
of bankruptcy. Okay, a lot of times people do not
realize that you can steal file bankruptcy even I'm sorry

(17:23):
that you can still purchase a home even if you're
in bankruptcy. You can purchase a home even if you're
in bankruptcy. So let me break that down. First off,
let's talk about what is bankruptcy. You have a Chapter
seven and you have Chapter thirteen, and when you're considering
purchasing a home, the rules are different for both. So
that's the reason why I want to make that distinction
that let's talk about both of them, all right. So

(17:46):
under a chapter seven bankruptcy, that's what we consider a
straight bankruptcy, So that will stop any foreclosure repossession, stops
foreclosure immediately, gives you the breathing room to be able
to start again. A Chapter there seven bankruptcy can eliminate
all the debt when it comes to irs, when it
comes to old credit cards, when it comes to new

(18:08):
credit cards, when it comes to payday loans, quick cash repossession,
you name it, it wipes it out. It even can wipe
out student loans under special circumstances. Under special circumstances, it
can wipe out student loans. That's a Chapter seven straight bankruptcy.
A lot of people do not like to talk about
Chapter seven bankruptcy because as attorneys, they want you to

(18:31):
go into a chapter thirteen wage earner. Now, a chapter
seven is what I would consider the gold standard of bankruptcy.
So that is to me, the one that we would
try to see if you qualify for first, because then
you can become completely debt free. And so if that's possible,
why not be debt free? Right? So chapter seven bankruptcy

(18:52):
is our first line when we're looking at becoming debt free.
The second is a chapter thirteen wage earner. A Chapter
thirteen wage earner is the type of bankruptcy that you
take all of your payments. We go in, we say, hey,
instead of paying back ten thousand, we're only gonna pay
a thousand, and so we'll ask for ten cents on
a dollar, and so it reduces your monthly payment on

(19:14):
your debt that you have to pay every month, which
means that now you have more money for yourself. Get it.
So chapter seven completely bankrupt You can now save all
of your money for your personal issues or your personal support,
you know, housing, utilities, gas, that type of thing. Under
a chapter thirteen wage earner. That is a repayment plan

(19:35):
in which we take all of your payments, we divide
them out over the next three to five years, and
we make those payments, if not weekly, but monthly. So
those are your two options when it comes to bankruptcy.
And I like both of them, but just depend upon
your situation. One may one may work out more than
the other. The key is to know which one is

(19:55):
the difference, right, So you have to ask yourself, are
you facing a garnishment? Okay, if someone taking money out
of your paycheck, did you realize Melyncia, I don't know
if you realize this. I know you don't have these
problems because you're so fabulous, but if you get if
someone sues you for non payment of a debt, they

(20:15):
can file a lawsuit against you, and when they file
that lawsuit, the judge can rule that you're guilty. Yes
you do. Oh you know this payday loan company X
amount of dollars. They can then take that judgment. Because
once they rule that you are guilty you do owe
this money. They can take that judgment, they can take

(20:35):
it to your employer, and they can take up to
twenty five percent, wow, twenty five percent of your income.
So you have to stop that. You have to go
in and say, no, I do not want twenty five
percent of my income being taken. We barely can live
out the income that we have now, let alone having
to add on top of that. So what is the key.

(20:57):
The key then is to file bankruptcy to get rid
of that particular debt. Now that's the nitty gritty of it.
But Valencia, what if people are in bankruptcy, they file bankruptcy.
We told them what it is. Let's start with chapter thirteen.
They've been in that chapter thirteen bankruptcy for a year
and they've made their payments on time to me every month,

(21:18):
and they're like, Ursula, I want to buy a house.
Is that possible if you're in bankruptcy? Can you buy
a house? And I say, well, you know, I'm gonna
give you the Valencia, so talk to me. What they
can do? Guess what, Yes, what you can You can
hurt it here. First, you can buy a house. You
can bankrupt house.

Speaker 10 (21:39):
So you know, everybody needs a start again, a second chance,
and you can absolutely purchase you a home while in bankruptcy.

Speaker 5 (21:50):
Uh huh.

Speaker 10 (21:51):
You have to have been at least in the bankruptcy
one year, one year, and as long as you get
approval from your trustee, we can go and start shopping
for a home, and then I can get you financed
with some great lenders banks.

Speaker 5 (22:07):
All right, certain, So let's break down one thing. When
Valencia is saying you have to get approval from the
trust see what that means is you're going to have
to have a conversation with your bankruptcy attorney and then
we get approval from your trustee for you to be
able to purchase a home, which we should be able
to do because if you financially qualify, which Valencia's going

(22:29):
to tell you about, she has some connections to be
able to make that happen. So that part is going
to be easy. That's just about talking to your attorney.
But I would also encourage you to call me if
you need to file bankruptcy because of course I'm a
real estate attorney as well as bankruptcy, so I understand
the urgency and getting these type of things done. All right, So, Valencia,
so they have to be in the bankruptcy for at

(22:51):
least one year. One year.

Speaker 10 (22:53):
As long as you've gotten that approval, we can go
into the process of getting you pre qualified for long
through a lender. And that's usually with a broker lender
when you're in that bankruptcy, but it can happen. I
have a couple right now they are in bankruptcy and

(23:13):
have qualified.

Speaker 5 (23:14):
For four hundred thousand dollars only.

Speaker 10 (23:16):
Really they're getting ready to move into their beautiful home
with a pool in the backyard. So don't feel discouraged.
You can still buy a home and I can absolutely help.

Speaker 5 (23:28):
So that's under a Chapter thirteen. So just to explain again,
so under a chapter thirteen way journer, we can get
you approved to be able to foul, to be able
to purchase a home even if you're in bankrupt So
if you are in a chapter thirteen way journer, you
can purchase a home. You have to be in it
for at least a year. Make sure that you're making
those payments on time, and the lender will use alternative

(23:52):
means of credit, meaning that if you have a phone bill,
and if you have MLGNW, which for those Memphis City residents,
you know what that is outside of Memphis, that is
our utility company. So you want to make sure that
you're making your phone bill payments on time, making your
utility payments on time, because that will count towards your
credit to see what you are eligible for and what

(24:13):
you're not. So just be conscious of that. Now, what
if they found a Chapter seven bankruptcy? Oh oh, I'm sorry,
that's all right, hold us all, okay, we're gonna break.
We're gonna come back with the seven. Yes, so y'all
on a roll.

Speaker 2 (24:30):
I love it, I love it, but let's take this break.

Speaker 1 (24:32):
If you've just tuned in this morning, we are talking
with Attorney Ursula.

Speaker 2 (24:38):
Woods is in the house. She's brought a guest here.

Speaker 1 (24:41):
Valencia again right is here, and if you have a
question or two for the ladies 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're listening to Double d I A The BEV Johnson Show.

Speaker 12 (25:14):
Don't go away. The Bev Johnson Show returns after these messages.

Speaker 9 (25:28):
You know, over the town working hard to bring you
outa day, never saying.

Speaker 4 (25:43):
Off and welcome back to Double A.

Speaker 1 (26:01):
We are talking with Attorney Ursula Woods is in the
house and relatour Valencia Gatewrith is here. Attorney Ursula, Yes,
the stuff so we are back.

Speaker 5 (26:16):
We are back. So Valencia, can you break down with us? Okay,
so under chapter thirteen and chapter seven, tell us how
can they become a home owner if you are in
a active bankruptcy. If you're in an active bankruptcy a
chapter seven or a chapter thirteen, you can purchase a home.
You can purchase a house. And we have Valencia gath Right,
a realtor with Keller Williams, explaining to us how that

(26:40):
process works.

Speaker 10 (26:41):
So, just to reiterate, if you have a chapter thirteen,
as long as you get permission from your trustee, you
are able to purchase a home. You have to be
in the chapter thirteen for one year. We're good standing,
but you definitely can which one chapter thirteen one year

(27:05):
with good standings, and as long as you get permission
from your trustee, you indeed can buy the home of
your dreams. Now, if you're in chapter seven, you can
also buy a home, but it has to have been
discharged for at least one year. After one year of

(27:26):
a chapter seven you can purchase a home. The standard
waytime is two years, but if you had extenuating circumstances,
you definitely can still buy a house. So don't let that,
you know, make you feel like you can't be because
you can. And we even have lenders to who have
great programs for less than great credit, So don't let

(27:50):
that deter you either. You can also purchase a home
and get qualified with a credit score five hundred. Now
I don't want you to have five hundred, but you
can get qualified with a credit score five hundred for FAHA,
VA and USDA. Now v A and USDA both allow

(28:11):
zero down, so you can get a home with a
low credit score. With these programs.

Speaker 13 (28:21):
You purchase a home after one year right under a
Chapter thirteen after under a Chapter thirteen wage earner, you
can purchase a home while you're in the active Chapter
thirteen wage earner.

Speaker 5 (28:37):
Correct, that is correct.

Speaker 10 (28:40):
And then even for our clients that have less than
perfect credit, their programs out there for you as well.
So just don't you know, feel like you can't be
a homeowner, because you indeed can.

Speaker 5 (28:51):
All right now, tell me about the housing market. Do
you have any listenings right now that the guests and
the listeners would love to know about.

Speaker 10 (28:59):
Yes, I do, So I have two listings right now.
One is actually in the Midtown area. It is on
Union Avenue, twenty five sixty eight Union Avenue. It is
a five bedroom, a three bath home and it's listed
right now for two hundred and ninety nine thousand dollars.

Speaker 5 (29:17):
Wait, two hundred and ninety nine thousand, I get.

Speaker 10 (29:20):
Five bedrooms for all my cheering and guess what else
you're gonna get? What there's an actual guest house in
the back.

Speaker 5 (29:28):
Okay, hold on, So with that, let me just say
this to you all. So the reason why that touches
my heart and I had to just go and insert myself.
Don't be mad, be is I interrupted? But I love
to see neighborhoods that allow for income generating property. You understand.
So you have the five bedroom home in which you
and your children stay, but you could also have the

(29:49):
guest house in which you either rented out Airbnb, short
or long term rental. You know, Memphis, we have Rhodes
College as well as University of Memphis. Mother in law, wing,
you have a elderly parent who definitely wants to help
out with all four of those children you have are plus,
then you will have a guest house in order to
do that. All for two ninety nine so it is available.

Speaker 10 (30:13):
It has been fully renovated, gas appliances, and the guesthouse
has a full kitchen shower, so you can use that
as extra income or mother in law. And it's wheelchair accessible.

Speaker 5 (30:29):
To Okay, all right, and then tell us about anything
else because that I like that. And wait, you know what,
who do they call if they're going to get that?

Speaker 1 (30:38):
Listen?

Speaker 10 (30:39):
Well, I always say you've got the right one. So
Valencia Gathrie call me nine oh one six four nine
five nine. I love to talk to you about it.

Speaker 5 (30:50):
Tell us about anything else you have. Have another lovely
one right now.

Speaker 10 (30:55):
That's in Olive Branch, Mississippi. So if you're looking to
move in mississipp you still got the right one. I
can help you with those needs. And that home is
forty five thirty five due pre Avenue. It's a three bedroom,
two bath home and it's listed right now for two
hundred and thirty nine thousand dollars, fully renovated, all new appliances,

(31:19):
granted beautiful flooring, ceilings. So give me a call on
that one too, right now, I know we're sharing a
lot of information, But on Friday Tomorrow, Friday May twenty third,
from five to eight, Valencia and and I'm about to
introduce you all to someone else as well.

Speaker 5 (31:37):
We're going to be at one eleven Madison. One eleven
Madison is downtown. It's a beautiful venue in which you
can have dinner and learn how to make candles, have cocktails.
They have all types of events. It's really like a
lounge and a cigar barrow on that third floor. Don't
have to worry about any cigar smell on that first floor.
It's all the way up on that third floor. But
this is an opportunity for us to connect with the community.

(32:00):
Please come out to one eleven Madison tomorrow from five
to eight pm. We're just connecting and hanging out. Okay, So,
and Belissa Gathwright will be there and she'll tell you
all about that income producing property. It's only two ninety nine,
but you get five bedrooms, bathrooms, and a guest house
and it's been renovated. But I also want to switch
gears just a little bit, okay, because some of y'all

(32:22):
are like, yeah, that sounds great, But I'm already in
my house and I'm having problems while I'm in this house.
I want to sell the house. Can I call Valencia
and see if I can get it sold. Yes, you can.
But you may say, but Ursula, the house is worth
less than my payoff. Right, some of y'all in that situation,

(32:45):
you will have a house. That house is let's say,
worth two ninety nine, but the payoff with your mortgage
is three one hundred and fifty thousand. Your house is
worth two ninety nine, but the payoff is three hundred
and fifty thousand. What in the world are you suppoke
to do?

Speaker 6 (33:00):
So?

Speaker 5 (33:01):
I brought in an expert a subject matter, Missanja Hester.
Missanja Hester. She is a realtor, but also she is
a short sale specialist. I know this firsthand from working
with her with many clients and giving her referrals. In addition,
she is an insurance agent. That's one of the reason
why we have her here today because I want to

(33:22):
talk about something that's near and dear in my heart
when it comes to insurance. But Sonja, for my sisters
and brothers that are out there, they're in the house,
the house is worth the two ninety nine. The mortgage
payoff is more than that, it is three fifty it's
four hundred thousand. Can they get that house sold? And
if sold, what are in the world can they do?

Speaker 7 (33:41):
Absolutely.

Speaker 14 (33:42):
What we would do with that situation is do what
it's called a short sale. And let me explain to
you what a short sale is. It's basically, you're selling
your home for a lot less than what you actually
owe your mortgage company. With the short sale, the bank
would negotiate your payoff. You walk away from the day
on them zero. At the same time, the bank will

(34:03):
give you what it's calling incentive of money to actually
move out the property. So when you do a short sale,
you're walking away on the creditor's zero dollars. And I
have investors in my back pocket that will actually buy
these at a fast paced So if you're in that situation,
just call me again. My name is Sanja Hester and

(34:23):
I'm with Progressive Realty and you can reach me at
nine oh one three zero one seven two nine one.

Speaker 5 (34:31):
Thank you for sharing this. I just want to make
sure that people know that they have options. If you're
in a home and you're upside down, you do not
have to say that you can't get that house listening,
and so because you can, it will take some additional steps.
But that's when you want to call a subject matter
expert like Sanja to help walk through that that short
sale process. Sanja, one of the reason why I want

(34:51):
to bring you in is because you're with All State
Insurance Agency. You're in good hands of Messanja. Yes, when
your purchase a home, in addition to the principal and interest,
that's to pay back the loan. Valencia told us all
about how you can purchase a home while you're in
chapter seven bankruptcy. You can purchase a home. I'm sorry
once you're out of the chapter seven, but you can
purchase a home while you're in chapter thirteen. But in

(35:14):
addition to the principal and interest, you got your loan.
You know you're zero down, you're in the house. But
you also have to have insurance. What type of insurance
do buyers have to have if they're purchasing a.

Speaker 7 (35:26):
Home homeowners insurance, and I do offer that. It all
stayed here. My name is Sanda.

Speaker 14 (35:33):
Like I said, we offer homeowners insurance, auto insurance, renters insurance,
life insurance, whatever insurance needs that you are needing.

Speaker 7 (35:41):
I'm here to help you.

Speaker 5 (35:42):
So if somebody is renting, and you can correct me
if I'm wrong somebody's renting. It was my understanding that
if they get renters insurance, now it's very affordable ten
twenty thirty dollars. But if they have renterers insurance, whenever
they get ready to call to buy a house, they
can get a discount on their.

Speaker 7 (35:59):
Their homeowner homeless me.

Speaker 14 (36:01):
Yes, ma'am, we actually have renterers insurance as low as
six dollars a month.

Speaker 7 (36:04):
Wow, you can't beat that. So, like I said, if
you're reading.

Speaker 5 (36:08):
What is the I'm sorry to cut you off. What
is the importance of having renters insurance?

Speaker 14 (36:12):
Renters insurance actually protects you as the tenant. So therefore,
if you are covered with your personal belongings into an
apartment or condo or whatever you may have, it, renders
insurance is very important.

Speaker 5 (36:25):
So you mean to tell me if I'm renting, I'm
renting my apartment. I love the apartment. It's really cool.
So if that apartment has a fire or flood, they
don't pay for replace my beautiful furniture in my clothes.

Speaker 14 (36:37):
No, that's that's only for the apartments itself. You have
to protect your personal belongings like your clothes, furniture, jewelry,
whatever you have, and of course you can have it
whatever amount that you feel like your personal items.

Speaker 5 (36:52):
Are for.

Speaker 2 (36:54):
I love that information. Sandra. Well, welcome, welcome, welcome, man.

Speaker 1 (36:57):
I just say that we're gonna pause right here, We're
gonna pause, take a break.

Speaker 2 (37:02):
We have some callers waiting to ask questions.

Speaker 1 (37:05):
Our number 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 with me today Attorney Ursula Woods, and she has guests.
Valencia Gatewright is here. Sondra Hester is here to answer.

Speaker 2 (37:26):
All your questions.

Speaker 1 (37:27):
Next as we go to the other side of the
Bev Johnson Show right here on w d IA, the
BEVJ just show Wow.

Speaker 12 (37:45):
Whether you're in Arkansas, Tennessee, or Mississippi on Facebook, Twitter,
or Instagram, thank you for listening to the Bev Johnson
Show on do w d IA Memphis.

Speaker 15 (38:00):
The bell justn't show bell jomp time, this is talking

(38:26):
and all where help you go?

Speaker 16 (38:30):
You go?

Speaker 2 (38:31):
Son't getting ready to go? It's time just say show.

Speaker 17 (38:38):
Shoe.

Speaker 5 (38:39):
Let's go bell.

Speaker 15 (38:40):
Just then we'll make your ody right here wrong.

Speaker 5 (38:46):
D listen to what to say.

Speaker 7 (38:51):
You know it's Tapa.

Speaker 4 (38:53):
The bell just show tap of the bell.

Speaker 2 (38:56):
Just show like let's go.

Speaker 1 (38:59):
We are rocking and rolling on this Thursday, May twenty second,
twenty twenty five.

Speaker 2 (39:04):
Enjoy this fabulous day to day.

Speaker 1 (39:07):
Our guest in the studio, Tourney Ursula Woods, Valencia Gate Wrights,
Sondra Hesti is here. We'll continue to talk with them,
but lunch time in the city, and let me tell
you about my favorite place.

Speaker 2 (39:18):
Y' all know it.

Speaker 1 (39:19):
We rock with the best soul food around, the best
entertainment in town.

Speaker 2 (39:24):
I'm talking about the rock and Chair.

Speaker 8 (39:26):
Of Memphis fifteen forty two Elvis Presley where you can
dine in today, or you can take out nine zero
one four two five five two six four four two
five five two six four.

Speaker 2 (39:39):
Go there and get some of that good soul food
and miss Ant's famous chicklings.

Speaker 1 (39:44):
Yeah. They are open Monday, Wednesday, Thursday, Friday, Saturday and
Sunday eleven.

Speaker 2 (39:51):
To five year.

Speaker 1 (39:53):
You can get the best soul food around, So stop
un by fifteen forty two Elvis Presley. Dine in, Yeah,
you can, or take out nine zero one four two
five five two sixty four nine zero one four two
five five two sixty four. That's the Rocking Chair of
Memphis and when you go there, y'all, you know what
to say.

Speaker 2 (40:13):
Tell them.

Speaker 1 (40:14):
Dev Johnson sent you to the rocking chair of Memphis.

Speaker 2 (40:38):
We are rocking and rolling today, ladies.

Speaker 1 (40:41):
I am going to the phone lines to talk to
some of our listeners.

Speaker 2 (40:45):
Thank y'all for holding Hi, my David.

Speaker 6 (40:51):
Good afternoon, my most beautiful African Violet. How are you day,
my sister.

Speaker 2 (40:54):
I'm doing fabulous today. How are you?

Speaker 6 (40:58):
I'm doing well. I'm holding off.

Speaker 4 (41:00):
I'm gonna continue to hold on, hold on, brother, hold on.

Speaker 6 (41:04):
Thank you such. I appreciate that. Good afternoon, lady, Good afternoon,
counselor counselor turning out.

Speaker 5 (41:13):
Yeah.

Speaker 6 (41:13):
Look, look, I know you still with that the other
ths U.

Speaker 11 (41:18):
But I really want to thank you for that compliment
you made earlier about me and how handsome I am
as bare sweetheart, and I want you to.

Speaker 6 (41:32):
Yes, sir, yeah right, yeah, So I appreciate that. And
I'm sure that Bell doesn't look at you as a threat,
you know, anything like that by saying I'm handsome.

Speaker 5 (41:43):
So I appreciate that understanding.

Speaker 18 (41:48):
That's right between ladies, between sisters.

Speaker 6 (41:51):
There you go, But anyway, I want to I want
to give you a real compliment you had another real
estate profession on your show, and I appreciate you for
spreading the wealth in the community. That means a lot
and to me to see it and to others out here.

(42:13):
And my play mother sold a house in two months
and including the getting it ready, and she had already
hooked up with with for success really, but you also had.
She came one of the partners came on your show
and I gave her a partner and her other partner
said that, and I was a little bit. I was like,

(42:35):
is she gonna be ab to sell it at that price?
And the other part and I can't remember the other
partner's name, but it wasn't the one that came on
the show. She said, I'm gonna sell it at that price.
And that black woman sold that house at that price.
So I'm telling them listen, listening on is out there?
Bear and her guests don't play. Don't think they played?
They real.

Speaker 5 (42:56):
Yeah, I appreciate you sharing that right now. We have
all African American professionals in the studio today. We have
realist Sanders, who is the owner and operator of All
State Insurance Agent. We have san Ja Hester, which is
one of his start insurance agents. We also have Valencia
Gathwright who is a realtor with experience, as well as

(43:17):
myself who is an attorney. The reason why I'm sharing
that is because we are getting back to community. The
environment and the climate in which we're in within our country.
This is not the season for being that solo person
that is out there trying to figure it out and
doing what Bob did. Now is the season is for
you to tap into those experienced professionals, especially that are

(43:37):
within your community, to be able to tap into because
you know that they have your best interests at heart.
We're gonna set that sales price and we're gonna get
it sold. It may seem like it's out of your reach,
but you have people who do believe in your dream
also believing in you, and they will seal that deal.
So now we're getting back to community. So thank you
for sharing. I'm glad that the community worked and we

(43:59):
have even per Passion was here to continue that legacy
of being successful getting houses listed so and properly insurance.

Speaker 6 (44:08):
This is great segue to my question. Yes, sir, the
President administration has stated that it is going to go
after those with student loans and that they're going to
garnish their wages, their income taxes, whatever. I won't go
onto the political side because I don't. He ain't my president,

(44:30):
he is a president, So I just leave it back.
But my question in that case, I'm sure you've heard
of that and what they're deciding to do to these people.
After Biden was was trying to do his team, I
think it was the right thing, which would be the
best form of bankruptcy for those folks. They can they
declare bankruptcy on their student loans.

Speaker 18 (44:53):
You can't.

Speaker 5 (44:54):
You can bankrupt student loans, and the guidelines have shifted
some under the Biden administration as well as Trump administration.
I am taking that. I am spearheading that right now
where we are beginning to file for bankrupt I'm sorry,
we are beginning to file bankruptcy on student loans. I

(45:14):
started to do a massive advertisement regarding that. But I'm
trying to test the waters to see how the Department
of Justice is going to rule on the cases that
I'm putting forth, and I am trying to make sure
that I put forth very strong cases. Let me just
share something right there. Recently, I had someone to come
into my office and ask me to do something that
was illegal. I declined, obviously, and then that person went

(45:37):
on to say, well, Ursula, only you know deals in
cases that are very clean. You absolutely right, I do.
I'm not going to jail for anybody, for you, my mom,
and my dadd ignor any of my children, and I
would encourage you to do the same, refrain from going
to prison. So if you want to come to me
and ask me to do something illegal, I would ask
you to think that thought again and go to someone

(45:58):
who will It won't be me. I have two black
men that I'm trying to raise and I definitely need
my freedom to do so. So I appreciate all of
the business, but I do ask that we keep it clean,
we keep it cute, and we keep it classy. But
back to your point, absolutely so, under both administrations, you
do have the option of being able to foul your
student loans under bankruptcy. Even though Trump is being aggressive

(46:19):
this time around, prior to he was, but I'm trying it.
Give me an opportunity to see if it works.

Speaker 6 (46:25):
Great well Bell, Yes, sir attorney, Yes, ladies, I appreciate
all that y'all are doing for us. Y'all have a
great safe Memorial Day weekend.

Speaker 5 (46:36):
Thank you you two.

Speaker 2 (46:38):
David, Thank you, David, thank you, David.

Speaker 5 (46:40):
Bye.

Speaker 18 (46:41):
Hi Eric, Hello, my sweet sweet bel Hi Eric. All right,
it's glad to have you back. Congratulations. I hope you
had your vacation.

Speaker 17 (46:53):
Yes I did, and my favorite Hall of Famer I
just always love and adore you.

Speaker 5 (47:00):
Thank you, and you're.

Speaker 17 (47:01):
Glad to have you back. Thank I get to tell
you that. And as far as attorney for as hello
to your guests. As far as the student loans, you
know you can't put that under chapter chapter seven or
Chapter thirteen or student loans, even though Trump is being
aggressive about it.

Speaker 5 (47:20):
That is true. Chapter thirteen bankruptcy is that we can
definitely put your student loans under a Chapter thirteen wage earner.
But we are also trying to get them approved for
Chapter seven complete bankruptcy. That is a much more difficult process.
But once I get to that point, I'll share it
with the community. Right now, I'm testing it out with

(47:43):
a few of my clients to see how lean it
will be at the Department of Justice.

Speaker 18 (47:49):
Just wonderful, Okay, it's wonderful. Why let's keep on doing
what you're doing, all right, y'all and thank you for
Bell Johnson.

Speaker 6 (47:59):
Thank you.

Speaker 5 (47:59):
We have a Lindsay gather right.

Speaker 2 (48:02):
Thank you Eric, Bye bye you continue all right?

Speaker 5 (48:07):
So Sanja we have Sanja has to with All State
Insurance Rila Sanders Agency. Sanja, I want to come back
to you because I want to talk a little bit.
I want you to clarify regarding short sales, when should
someone call you? And then I have an insurance question,
so when should someone call it they're facing a short
sale type of situation.

Speaker 14 (48:26):
Basically, you want to call me before the property goes
into foreclosure. You do not want to wait until basing
you letters stating hey, your property is going to be
sold within a week or two weeks. I need to
try to go ahead and tackle the short sale before
it goes to short sale. So I'm the person who

(48:47):
you want to call before the last result and I
can get it done.

Speaker 7 (48:52):
You just need to call me.

Speaker 14 (48:53):
It's a process that is not an overnight process. It's
gonna take some time, but in the long run it
would be worth it.

Speaker 5 (48:59):
So if I've missed two payments, I'm heading towards my third.
And just so as you all know, most foreclosures occur
after the third misspayment, that's not guaranteed. I'm just sharing
on average just after that third where they will begin.
So if they're on their they miss their second payment,
they don't see a way out. The miracle is just
not within their vision. So that's the time to go

(49:21):
on and calling. What's your number?

Speaker 14 (49:22):
Who's my number is nine zero one three zero one
seven two nine to one. Like I said, with the
short sail process, it's a process.

Speaker 7 (49:33):
You want to go ahead and get it done.

Speaker 14 (49:35):
Gather all your paperwork before you go into foreclosure, because
once the foreclosure is a.

Speaker 5 (49:40):
Done deal, well not really. If you're facing foreclosure, then
you give me a calling nine on one, five four
one help. That's nine zero one five four one four
three five seven, and we can stop that foreclosure with
a bankruptcy. However, however, even if you didn't want a bankruptcy,
if you say earth so I just want to walk
walk away, well then that's where Sunda comes in, and

(50:03):
she has to work on that short sale. If it's
upside down or the Valencia gathright as well, she's a
realtor and they can get it listed. And so so
let's just pivot really quick. I wanted to know about
a car. So because money of you know, if you're hurt,
call Attorney Earth. If you're hurting an accident, give us
a call at nine on one carreck dot com. But

(50:23):
I wanted to talk about insurance, all right, So what
is I have three questions? What is the state minimum
coverage for most of us? What in the world is
liability coverage? And why should people have more than the
state minimum? Are just liability?

Speaker 7 (50:37):
Okay?

Speaker 14 (50:38):
So the minimum state requirements for Tennessee it's twenty five
thousand dollars. They cover bollily injury, fifty thousand dollars, which
is the baller injury, which is the max incident, and
then twenty five thousand dollars for your property damage that
means your car or.

Speaker 5 (50:57):
So my car is an eighty thousand dollar car that
twenty five thousand.

Speaker 7 (51:01):
Would not cover.

Speaker 14 (51:02):
So you want to call me as an expert insurance
agent where I would actually give you the coverage that
meets your needs because a lot of people have insurance
and really don't know exactly what they have. So if
you're riding around in one hundred thousand dollar bians, you
would not want a policy that only covers twenty.

Speaker 7 (51:21):
Five thousand dollars.

Speaker 5 (51:21):
Oh amen, amen, because if not. Guys, if you're in
a car accident and you have that state minimum of
twenty five and you hit a car that's eighty thousand
let's say, let's just say one hundred thousand dollar car
or a fifty thousand dollars car, then guess who is
going to have to cover that gap? You? And then
you may say, well, I don't have it. They can't
take it for me. That's not true. They can garnish

(51:44):
your wages with a judgment, and that garnishment they'll take
up to twenty five percent. Twenty five percent of your
income will go to pay back that debt. So it's
very important. Look, if you need state minimum, then you call.
You can definitely get that they have that for you.
But if you can afford a little bit more, then
that's also a possibility as well. Sanja, I had someone

(52:05):
come in, a young man, he has five siblings, no kids,
but he was like, why do I need life insurance?
Because I was trying to talk to my life insurance.
I said, well, because I don't know if you all
even know this, but one of the reasons why people
end up being bankrupt is because you have that one
sister and her and her husband are well to do.
They have a dollar above the rent. You know, they

(52:28):
have great jobs. And then everybody is hitting them, meaning
asking for money for funerals. And then so as a
result they have to pay for the funeral expensive you
have to do eight ten thousand, three times in a row.
That's all your savings is kind of gone. So what
about life insurance policies? Do y'all cover that as well?
We do.

Speaker 14 (52:47):
All insurance need life insurance. It's one of the ones
we do as well. So if you are without insurance,
you need to be covered, and all state will actually
cover you because you are in good hate state.

Speaker 5 (53:01):
Now, now we have some a phone call you. Okay,
let's go for yeah, yeah, in good hands with all
that's right. Come on, we're going to our phone lines
to talk with you.

Speaker 2 (53:12):
Hi caller, Hello, dad, Hey, how are you doing? Just great?

Speaker 17 (53:19):
Thank you for letting me in.

Speaker 19 (53:21):
I'm an insuranceator myself, but I got a caution for
the attorney's to signed. Okay, Yeah, I have a clients
and sometimes you know, when you write policies twenty thirty
years ago, you think your police hole is gonna there
outlive you. But I had a policyholder that passed away
and she is the owner of three insurance policies. And

(53:44):
I contacked the insurance company that I wrote it with
and they told me that I have the family didn't
need to have a state type thing. You need to
go to probate court. So I'm trying to find out
do they have to go to probate court and need
an attorney.

Speaker 17 (53:58):
To do that?

Speaker 5 (53:59):
Yeah, the answer is yes and yes. So that's where
Attorney Monika Johnson shout out to her. She is taking
the day off she had court today. But Attorney Monica
Johnson handles all of our wills in estate planning. We
can get that open so that the funds from the
insurance policies will go into the estate and then be
dispersed out. This would be minimal fees for the for

(54:22):
the heirs. A lot of times people believe that, oh,
Pobrey Courts is gonna take your money. No, that is
not the way it works. You know, you have three
or four hundred dollars for the court costs and then
of course you have your attorney fees. The court is
not going to take any percentage the family will get
all of their money minus any type of leans or
judgments that's against the estate if any. But yeah, definitely

(54:44):
give us a call at nine zero one five four
to one help nine zero one, five to four to
one four three five seven, and then we can reach
out to you and partner with you. What's your what
company are you with, Orlando, I'm with Columbia.

Speaker 19 (54:59):
LI the insurance company out about New York City.

Speaker 5 (55:02):
Oh okay, okay, well just give us a call. Were
you able to get that number either you can google us?
Yeah already, yes, yes, okay.

Speaker 19 (55:12):
All right, Yeah, I just wanted to clear understanding. The
main thing is that to go to the probate court to
just change you get the beneficial or a person to
be the person in the family that's paying to bring
you now to become the owners of.

Speaker 5 (55:31):
Those policies, right, because the probate court has to establish
who the legal errors are right and the only way
because you can't make that determination because they could be
being less than truthful. So then and you don't want
any lawsuits from any extraneous airs, So then you go
through the probate process too, because now it's on the
judge to determine who are the heirs? And then now

(55:54):
the insurance company will pay out to who the rightful
errors are because obviously whoever was the recipient of the
policy has passed away as well, or either they didn't
name a beneficiary for some reason, so now you have
to go through the poor probate court to find out
who the airs are so that they can pay the
money out and not have to worry about either you
being sued or a New York life being sued.

Speaker 19 (56:17):
All right, Ben, thank you very much.

Speaker 5 (56:18):
All right, thank you, Orlando, look forward to speaking with you.

Speaker 2 (56:22):
All right. Bye bye, WDA high caller. Hi you on
the air. Hello, Yes you have a question.

Speaker 16 (56:33):
Yes, I have a question about chapter seven.

Speaker 17 (56:36):
Okay, I filed chapter seven and did.

Speaker 10 (56:39):
You did I hear you right saying that you can
purchase a home after a year you don't have to
wor Yes you did hear me right? This is Valencia
Gath right. And after chapter seven, once you've been discharged
a year, you can actually purchase your home. So it

(57:00):
does not stop you from getting a home. If you
want to, please give me a call and I love
to talk with you more about it. Nine zero one
six four nine five nine five nine.

Speaker 5 (57:13):
Thank you, you're welcome, darling.

Speaker 2 (57:15):
Thank you.

Speaker 1 (57:16):
By by Attorney Earthly. We were talking about that since
you get it home. I had got an email and
wanted to know what about can you buy a car?

Speaker 5 (57:25):
Yes you, oh girl, Yes you can define you.

Speaker 2 (57:27):
Can come by car if you file bankrupt.

Speaker 5 (57:29):
Yeah, it's so many car lots. Let me just say this.
We're in the city of Memphis, Tennessee, and within the
city of Memphis, Tennessee, this is considered, unfortunately, we have
a little nickname as being a bankruptcy capital, which we
are not. Alabama is the number one state when I
checked last, but we are in the top five. So
then as a result of that, lots of car lots

(57:51):
will give you a loan while you're in an active
chapter thirteen Chapter seven. Anybody but by the house. Mss
Gathwright was explaining that I think is after one year
for a chapter seven you can purchase a home, and
then while you're currently in a chapter thirteen, you can
purchase a home. And you can purchase a home with
its credit score as low as five hundred. Okay, so

(58:12):
yes that is possible.

Speaker 2 (58:13):
Okay, so you can get a car.

Speaker 5 (58:14):
Yep, you can get a car. You can get a house.
You want a car. A car doesn't even have any
of those restrictions. You get a car while you're actively
in a seven or thirteen, just got out yesterday, you
get a car today too. If you're in it, you
can get a car. If you're out of it, you
can get a car. Yeah, this possible. But not to
oversell bankruptcy. You will your interest rate that you pay

(58:35):
will be effected. Oh well, I mean you know it's
because it's credit based, Okay, but we just have to
be conscious with the type of car that we purchase.

Speaker 2 (58:42):
Okay.

Speaker 1 (58:43):
Well, thank you, thank you listenering for emailing that question in.

Speaker 2 (58:47):
We appreciate it.

Speaker 5 (58:48):
And then also remember we have all stayed RelA Sanders
and san Ja Hester. So when you're ready to ensure
that car, you're ready to ensure that home, make sure
you call all stayed and acts for san Jah Hester.
So val So you were saying that when you're looking
at houses, you can purchase a home when you're in bankruptcy.
You told us about our two listings. Tell us about
the home buying process. What is the first step that

(59:11):
somebody should take. Should they call their lender or should
they call you. What's the first step.

Speaker 10 (59:16):
Well, I'll always say it's a one stop shop. Just
start with me, Valencia Gathoine. I always say you've got
the right one, because once we're connected, then I start
the process for you. So I have different lenders who
can work with different credit scores, different types, different needs.

(59:36):
So I like to be able to position you with
the right contact. And we usually can get equalified with
two creditors so that we can see which one can
give you the best interest rate. So call me and
let's get you pre qualified. And I say that for
a particular reason. I have clients all the time who
want to go out and see houses, which is fine.

(59:57):
I love seeing beautiful houses, but we need to go
and see houses that you are qualified, not what somebody
else is qualified. We can't go to Germantown and we
don't have the Germantown money. We can't go to Carryville,
we don't have the Caryville money. You know, we have
to stay in our lane and stay in our category.
There are beautiful homes all across Memphis, Tennessee. So what

(01:00:19):
we'll do is get you pre qualified. Then we know
what you want to spend, what you want your monthly
note to be because you may want the big, beautiful house,
but you may not want to pay that note. So
let me get you connected with the right lenders. Then
once we get that a pre approval, it's time to
go shopping. So let's do that. Call me get you
pre qualified and then we can start shopping for homes.

Speaker 5 (01:00:44):
One of the things that I love about Valencia and
working with her, just to shift gears just a little bit.
At Christmas time, she does this huge giveaway and she
participates with this program. I couldnot think of the name
of the young Heartfelt Moments and they give away. When
I tell y'all, it is a gymnasium full of toys.

(01:01:04):
I mean, I just have never seen anything like it.
And I'm no pun intended, but it is truly boots
on the ground with them realist Sanders with All State
helped us deliver the gifts last year. I'm pretty sure
we'll do it all again next year. Valencia, tell us
about your philanthropic efforts with that particular agency and what
do you all do. So I was called a couple

(01:01:27):
of years from the Heartfelt Moments Agency. So it's really
when you see that Angel Tree program, this is one
of the Angel Tree programs. And what we do is
try to fulfill.

Speaker 10 (01:01:40):
Children who have You know, they don't have the capacity
to get all the beautiful gifts. We want to reward
them and make sure they have something. So what I
did last year and then this year, this past twenty
twenty four, I partnered with Reali Sanders, with All State
Insurance and attorney Urshula Wood to make sure that we

(01:02:00):
had at least one hundred and fifty doll houses for
little girls. So when I say that I sell homes
and make dreams come true, also make sure that little
girls their dreams come true. And these are tall dollhouses,
just as tall as I am already put together. So
this year I'll be partnering with these same individuals. But

(01:02:23):
IKEA would be a major sponsor this year, so I
haven't announced it yet, but now I'll go ahead and
do it. Yes, I'll be partnering with Cynthia Daniels as
the relator for Ikea this year. So great things I
had in my future and for your future.

Speaker 5 (01:02:41):
All right, thank you for sharing. So not only do
our relators make sure that they do a good drive
with making dreams come true, but they also make sure
that they give back. And when we come back, we're
gonna talk about son Jah Hester and what she has
doing for the community.

Speaker 1 (01:02:54):
He's not right there, and that's right, sister. We are talking.
They are talking bankruptcy in real estate insurance. Attorney Ursul
Woods and Sorrow. Forgive me for mispronouncing your last name.

Speaker 5 (01:03:05):
I got it now, Felicia, get the right I got
the right one now.

Speaker 1 (01:03:11):
Sondra Heesther is here if you have a question or
two for them. 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. If you can't call, you can email me
your question. Bev Johnson at iHeartMedia dot com.

Speaker 2 (01:03:33):
You're listening to double you d i A.

Speaker 13 (01:03:38):
The Bev jos Show.

Speaker 12 (01:03:44):
Whether you're in Memphis or in a sinkhole somewhere. Thank
you for listening to the Bev Johnson Show on w
d i A Memphis. You're listening to the Bev Johnson Show.

(01:04:45):
Here's Bev Johnson and.

Speaker 1 (01:04:47):
We're talking bankruptcy today with Attorney Ursula Woods and Valencia
Gathwright and Messuandra Hester is here.

Speaker 5 (01:04:56):
Attorney Ursula yes, I want to talk about a few
things before we get back on track. Number one, I
want to talk about expungement clinic. If you have a
criminal background, and you have you know time has passed
and you're like, listen, you want your rights restored, to
be able to vote, you want to be able to

(01:05:16):
get a job without having this criminal act hanging over
your head. It was so long ago. I want to
give you encouragement. Do not dig your head in the sand.
Now it's time to get the help that you need.
On Saturday from ten am to two o'clock pm at
the Levi Library on Third Street. At the Levi Library
from ten am to two pm, they will have an

(01:05:39):
expungement clinic, an expungent expungement clinic. The Memphis of Bar
Association Access to Justice Committee is putting on an expungement
clinic to try to erase and eliminade the criminal charges
that you have that are on your record. Please be
prepared with your patience and your smile and go down

(01:06:01):
to the Levi Library from ten till two. If you
follow me on Instagram at uj Woods ESQ or either
on Facebook at Ursula Woods, I will have the digital
flyer there I've also given it to I was about
to say, attorney Bev Jonson, I'll take it also giving
it to world famous Bev Johnson. So if you guys,

(01:06:22):
if I'm not here, you can ask her about it.
But it is an expongement clinic on Saturday from ten
till two, so I want to share that. In addition,
I want to let you know that if you want
to meet Valencia at Gathwright, she told you about two
beautiful listens that she had. One that was not only
a five bedroom for two hundred and ninety nine thousand,
but it also has an income producing property right behind it,

(01:06:46):
so you could also have your house. But then in
addition you can rent out that bad house and who
knows that could also pay for the first house. So
I just want to share that that you will be
able to meet her. Sanja Hester. I'm gonna try to
see if she'll come out to Industry Night at one
eleven Madison that is tomorrow. So if you wanna meet
Sandra Hester, you wanna meet Valencia Gathwright, you wanna see me,

(01:07:07):
come down to one eleven Madison on Tomorrow from five
to eight. It's a quick little happy hour. The name
of the venue is one eleven then Madison and the
address is one eleven Madison. Last, but certainly not at least,
missus Hester has an event that she is hosted on Saturday,
which is I'm sorry she's participating because she has other
things going on in her life besides real estate and insurance.

(01:07:30):
Tell us about what you're doing at Boots and Dukes
in Proctor, Arkansas.

Speaker 14 (01:07:34):
Yes, it's gonna be the Boots and the Dukes on
the ground.

Speaker 7 (01:07:38):
Yes, you got to have your boots seed on.

Speaker 14 (01:07:40):
But anyway, it's an event that's gonna be It's gonna
be an event that's going to be in Proctor, Arkansas.
That's right outside of West Memphis, across the bridge. It's
gonna be May the twenty fourth. The doors, oh, I'm sorry.
The gates open at ten am and it's gonna run through.

Speaker 7 (01:07:57):
Nine o'clock that night.

Speaker 5 (01:07:59):
And what are you doing there?

Speaker 14 (01:08:00):
I'm going to have a food truck. There ya a
spaghetti wagon, So come out. I have that old school
big Mama spaghetti.

Speaker 5 (01:08:11):
So you say on your food truck you have spaghetti?
What else you got?

Speaker 14 (01:08:16):
We got seafood pasta, we have wings of all flavor,
we have what is called the spaghetti egg roll little
chicken egg rolls egro.

Speaker 7 (01:08:26):
Oh yeah, it's off the chain.

Speaker 5 (01:08:28):
Hold on, and you didn't bring baby and you did
not bring us a sample today, let me say this
you all. She did a She did a seafood pasta
for our office. When I tell you, we ate on
that for two days and it was packed with seafood.
So her seafood pasta is the truth. We had we

(01:08:48):
too at nine on one car Wreck dot Com do
a big giveaway with bikes every year and Sondra was
the food truck of choice, so we fed what community
that was the off of third oh well off a
third Street. Again giving back to the community that you're
so thank you Sanja for delivering your service, and thank
you to Valencia for delivering your service the African American

(01:09:11):
community in which we are trying to create on the
Bell of Johnson Show. We're not only providers of free information.
We're not only being the best in this experience of
our professional services, but we also have a heart for
the people and we believe in giving back.

Speaker 18 (01:09:27):
Right.

Speaker 5 (01:09:27):
That's the level of excellence a Bev Garners and that's
what she gives out in the world, and that's what
she attracts. So Bell, thank you for allowing us the
platform to share our professional services, but also to give
back to the community. That shows a testament to who
you are and what you command and what you give.

Speaker 2 (01:09:44):
Thank you. We'll go to our phone line to talk
to one of our listeners.

Speaker 5 (01:09:48):
Hi caller, Hi, bet Hi.

Speaker 18 (01:09:53):
I have the pleasure of meeting attorney Woods and doing
business with her.

Speaker 16 (01:09:58):
Okay, is that she is a bad sister, Yes, she's
a bad sister.

Speaker 3 (01:10:05):
Anybody that wants to do some business clothes and.

Speaker 19 (01:10:08):
All property or anything a turn in Earthley Wood is
the person to do business.

Speaker 5 (01:10:13):
Well, thank you. I really appreciate that. We really do
try very hard to meet next seed your expectation. Thank you,
thank you.

Speaker 2 (01:10:23):
That was nice. That was nice. That was nic That
was nice. Yeah.

Speaker 5 (01:10:28):
Good, all right, So don't forget if you want to
meet us, meet us at one eleven Madison. Okay, Miss Valencia.
So we've talked about purchasing a home. The first step is,
of course, to reach out to you. Is there anything
else that you're Oh, I went to say this too
before I pivot to Valencia. One of the things that
Valencia said was is that when you're purchasing a home,

(01:10:48):
she's going to find a house for you as a
bankruptcy attorney. I just want to point out when you're
going out to look for houses, they're they not Valencia.
But the loan officer is going to tell you that
you can afford a house. Let's say you know five
hundred thousand, Okay, you can afford a house with a
house note of thirty five hundred. You can afford two
thousand dollars a month. But only you know what your

(01:11:09):
real budget is. Goy, I say this all the time.
Only you know that you have a a going out
to eat habit. Only you know that you have a
gambling habit. And you're always at the casino. You know, everybody,
just close your eyes, put your head down, don't look
to the left, no, the right. You know, but you know,
you know when you have that habit, you know that

(01:11:29):
your mama need you give your mama one hundred and
fifty dollars every month. You think you're gonna stop because
you oh you fancy now you got this two thousand
dollars a month. Note, Oh no, mama still need that
three hundred dollars. Now you want to take it down
to one fifty aunt that's supplemental income. So when you
know your budget, then stand firm in that. That's why

(01:11:49):
you want an agent like Valencia, like realists like Sundra,
who are respectors of the people, right, they understand your needs.
So make sure that you use your voice. And now
this I'm not gonna get on the soap bix, but
I just want to share something as people, men and women,
is very important for you to stand up for yourself.

(01:12:10):
And I don't mean it's some belligerent yeah, it is
what it is kind of way. What I mean is
it's okay to say, Sonda, no. Unfortunately, you can't continue
to step on my toes because when you do so,
it really hurts my feet. Now I understand it. Your
feet are beside is thirteen and you don't realize it,
but it hurts me, you know, So can you please

(01:12:32):
stop stepping on my feet?

Speaker 2 (01:12:34):
Right?

Speaker 5 (01:12:35):
Even having the voice to speak up for yourself does
things positively for you mentally and spiritually. It is said
that even if the person can't meet your need, the
fact that you voiced it gives rest for your spirit
because inside of you is a little child that never
got a chance to grow up. You know how they
always say you have your inner child, and so that

(01:12:56):
child that's inside of you need to know that Sandja
Hester is a that your inner child needs to know
that Valensay Gathright will take care of it. And that
starts with the Bev Johnson's the inner child speaking up.
You know what I mean? Bev Johnson now has to
speak up for the inner child. And I know it's
a little woo woo, but it's just to say, use
your voice to state what you need and what you

(01:13:18):
don't need, so then that way you will feel safe
inside of your own body. I don't know if you've
ever dated someone and being with someone and when you
leave that relationship, were like, Lord, I don't know up
from down, left from right, what just happened to me?
Because when you continue to compromise, when yon you're a
comfort level, it breaks you. Okay, y'all don't want to

(01:13:42):
believe Cassie. Y'all don't want to believe what happened to
anybody that comes on TV and share that they had
an issue. Y'all want to say everybody is a lie.
Y'all gotta believe somebody, now, is it? Sometimes a money
grab possibly, But what is it to you to put
your name or your mouth on another person who said

(01:14:04):
that they had horrific things that happen. Even if the
girl was manipulated and went forward with certain things because
she did acquiesce, it is okay for her to take
a step back and say I was manipulated by that.
You cannot tell me that every time you said yes
to something that it was a result of your own
willful act. Some of that was manipulation because people coerce

(01:14:25):
you and convince you. You know why, I know, because you
still got a what do you call it, a gym
membership that you don't use. You was convinced a buy
that gym membership and you've been at ten dollars every
month and you ain't been in the three years. But
it's still coming out. So a lot of us are
being manipulated and used. But it doesn't make it right.
So make sure that we speak up for ourselves some
kind of way. I did. Of soulboxing, that's okay, but

(01:14:47):
that's a good Go to our phone lines and.

Speaker 2 (01:14:49):
Talk you hi, caller, how you how you doing? I'm
doing well today? In yourself?

Speaker 16 (01:14:57):
I cannot complain I want to say low to your
guest and thank you for taking my call. I like
what Valencia is doing. I am a loan officer and
I am an orphan loan officer. I have been looking
for a place to plant my seat and I would
like to go over that with Valencia. She has a

(01:15:19):
loan home for an orphan person. I came back home
to take care of my mom and I was doing
loans in Colorado. Now I'm here doing trying to find
a loan home. And I'm not picking anybody, but I
know if you let on your show, she has to
be pretty great. And I have you know, references as well.
So but I do have business here because I've worked

(01:15:41):
with people through USDA loan venue.

Speaker 18 (01:15:46):
So you know you.

Speaker 2 (01:15:46):
What's your first name? What's your first name?

Speaker 18 (01:15:50):
I'm Marie.

Speaker 1 (01:15:50):
Hey, Marie, Okay, we just wanted to know Marie. So
Marie Valencia will Melissa, you'll give her your phone name.

Speaker 10 (01:15:57):
Marie, Please give me a call. I'd love to help
you find out home. I have great lenders that you
can partner with, and just call me at nine zero
one six four nine five nine five nine and I'll
be happy to assist you Okay, oh.

Speaker 18 (01:16:13):
I was talking about a loan.

Speaker 16 (01:16:14):
I'm talking about as a loan off to work with someone.

Speaker 10 (01:16:17):
Yeah, yeah, that's what I'm saying. I can help you
meet some of my colleagues. So just give me a
call and I'll give you some recommendations.

Speaker 5 (01:16:25):
Nine zero one.

Speaker 10 (01:16:27):
Six foine, okay, five nine five nine perfect.

Speaker 16 (01:16:34):
Thank you so much, thank.

Speaker 5 (01:16:37):
You, thank you really say closing attorney Marie, So hashtag
put my name on your contracts and so when just
to let you all know one of my BEV Johnson's specials, Marie,
I think you will enjoy this when you purchase with
son jah Hester, when you purchase with Lindsey Gathright, and
you hashtag put my name on your contract for that
purchase if they refine. As I waive the attorney fee

(01:17:02):
on a refinance for my Bell Johnson listeners, I waive
the attorney fee when you refinance because I love when
people come back to get lower interest rates or to
pursue their dreams by pulling the equity out. So, mss Marie,
once we get you a home for your for your license,
I definitely want you to hashtag put my name on
your contracts.

Speaker 16 (01:17:22):
I sure appreciate it because I do have some business.
I got people that want to do reverse mortgages. I
got people that want to do USDA loans. I have
some business, but I just don't have a home to
operate it.

Speaker 5 (01:17:32):
So we're going to get you connected. Thank you, Marie,
give us a call. All thank you, Thank you, Marie.

Speaker 2 (01:17:39):
Bye bye.

Speaker 1 (01:17:42):
Oh oh, I had an email for you. All right, okay,
let me see what did I do with my little email?
I had an email. I thought I had an email. Oh,
here we go, says hey, beb Please ask your experts
if they write homeowners policies along with car insurance.

Speaker 7 (01:18:01):
Thank you, absolutely, we do.

Speaker 14 (01:18:04):
That would be considered a multi bonyl package. And you
can save up to thirty percent by doing so, you know.

Speaker 5 (01:18:11):
Wait thirty So when you bundle your homeowner and your car,
you save money, Yes.

Speaker 7 (01:18:17):
You save money. We can save up to thirty percent
on that.

Speaker 2 (01:18:21):
Yes, all right, and so give your number.

Speaker 14 (01:18:24):
Oh yes again, my number is nine on one three
zero one seven two nine one, and call me for
all of your insurance needs at all stakes.

Speaker 7 (01:18:34):
Thank you.

Speaker 2 (01:18:35):
Yeah, and if and I will send that person the
email of your number.

Speaker 5 (01:18:38):
Okay, okay, make sure you give BA of your card
as well, and if you all cannot keep it, I
know we got a lot of numbers going. We have
a lot of information that is in here. Give us
a call at nine zero one five four one help.
That's our office number nine zero one five four one
four three five seven, so that we can step you
through it. If you have wheels, estate planning, bankruptcy, you know,

(01:19:00):
if you hurt called attorney earths are any of your
real estate needs? Because I know we're giving out a
lot of information the professionals that we're connected with. Like
I said, we're creating a community of people that are
for our people, and so in doing so, we want
to make sure that you have all of the subject
matter experts in one place and be able to utilize
their services. So, Valencia, when we're talking about purchasing homes,

(01:19:25):
especially in Memphis in this unstable times, they're like, maybe
the interest rates are going to go down. What's going on?
Is now a good time to purchase? Should they wait
or should they buy?

Speaker 10 (01:19:36):
Great question, Archela. It is a great time to buy
and the market is hot right now. But what I
can tell you, in this market, you're not having to
pay more for the homes than their worth. You know,
a couple of years ago there were multiple offers. There
are still some of those, but you're really able to
get in the home that you desire. And so I

(01:19:59):
always say to my clients is marry the home. Let's
go ahead and have a wedding. Let's marry that home,
and we'll just date that interest rate because you can
always refinance, and so there'll be a great time for
you to get the home of your dream at the
price that you want to buy it for. And then

(01:20:20):
later on, if you're needing to refinance it, we can
absolutely do that. And Attorney Woods has already told you
that when you do the right refinancing, you know, as
a courtesy, she's gonna waive the attorney fee. So what's
stopping you. Let's go ahead and get the houses that
we want. While everybody is, you know, not just going

(01:20:43):
after one home and that we're having to pay over
the price. We don't want to do that anymore because
in the end we have to make sure that happens
was really worth that. So if you need me, you've
got the right one called Valencia gat right again nine
zero one six four nine five nine five nine.

Speaker 2 (01:21:04):
Thank you.

Speaker 5 (01:21:06):
All right, all right, Bev, I guess we are about
to wrap up, so I just want to be able
to give my my my friends of the show final words. So,
Miss Sunja, has there anything you want to add to
the show as you give out your final thoughts and
your number?

Speaker 7 (01:21:25):
Yes, I do.

Speaker 14 (01:21:26):
I just want to say that anything you need pertaining
to insurance, I'm here for you and I am an
agent that works in the best interest of my clients. Also,
like I said, we have Miss Dealencia here that does
real estate, seell real estate. I do as well, so
you can call either of us with your real estate

(01:21:48):
needs or whatever.

Speaker 7 (01:21:49):
So I just want to.

Speaker 14 (01:21:50):
Thank everybody out there in radio land, and if you
need to contact me again, my number is nine on
one three zero one seven two.

Speaker 5 (01:22:00):
That's right, Ms Valencia. Did you have a good time
on the show. You hadn't been back in a few years.

Speaker 10 (01:22:06):
Ironically, when I first started about four years ago in
real estate, attorney Woods asked me to come on with her.
Didn't know Harlly anything what I knew I was going
to know. And I was in corporate America for over
thirty years, so I've always been in corporate sales. So
This has been a dream come true for me. But
I will say that when you you know, when you
were in the hands of Valencia, You're gonna get a

(01:22:29):
luxury experience. So I know you know you want a
luxury home. Every home to me is a luxury home.
But I'm gonna provide you with a luxury experience. So
I can't wait to meet you. Nine zero one six
four nine five nine five to nine.

Speaker 5 (01:22:46):
Thank you all right, guys, We've had an amazing show today.
Yes you did feel like it was packed with Yeah,
some great information. Yeah, today was a good information day.
I just want to be able to encourage you guys
on a couple of things. If you have criminal background
that I mean you have criminal You have a criminal

(01:23:06):
record and you need it expunge. You do not forget.
On Saturday, Saturday, there is an expungement community Clinic at
Levi Library from ten till two on this Saturday. If
you'd like to meet Sanja Hester, Valencia, Gathwright, even possibly
Realists if he's in town. We will be at one
eleven Madison for Industry Night from five to eight pm.

(01:23:28):
And that is on Tomorrow, which is Friday. And if
you have any need for legal services with real estate, bankruptcy,
personal injury, and of course, Attorney Johnson handles our wills
and estate planning. Give us a call at nine zero
one five four to one help. That's five four to one,
four three five seven. We're all about the community because

(01:23:49):
in this season you need someone that is looking after
your best interest. And thank you Bell for always looking
after mine and the guests that I bring on on
your behalf. So thank you, We love you, and I'm
glad your birthday month was for or is going phenomenal.

Speaker 2 (01:24:05):
That's right back.

Speaker 5 (01:24:06):
When did you get back from Saint Lucia? Was it recently?

Speaker 2 (01:24:08):
Sunday night?

Speaker 5 (01:24:09):
Sunday? Yeah, if y'all could see Bell, she looks well, relaxed.
I mean, you know it's that glow. And Vlicia just
came back from vacation too. It's a certain level of relaxation.
So you know, we all should get there, Yes, ma'am,
we all should get there.

Speaker 2 (01:24:26):
Thank you, sister, Thank you sabulous show today, good information.
We appreciate you until the next time.

Speaker 5 (01:24:33):
Till next time, all right.

Speaker 4 (01:24:38):
I want to thank you callers.

Speaker 1 (01:24:40):
I want to thank you listeners for joining us this
day on the Bev Johnson Show.

Speaker 2 (01:24:45):
We do, we really do appreciate you.

Speaker 1 (01:24:48):
So until tomorrow, please be safe, keep a cool head, y'all,
don't let anyone steal your joy. Until tomorrow, I'm Bed
Johnson and y'all Keith the Fate.

Speaker 8 (01:25:06):
The views and opinions discussed on the Bev Johnson Show
are that of the hosts and callers and not those
of the staff and sponsors of w d I a