November 1, 2025 • 38 mins
Handel on the Law. Marginal Legal Advice.
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Speaker 1 (00:00):
You're listening I Am six forty the bill Handle Show
on demand on the iHeartRadio fi Am six forty bill Handle.
Here Saturday morning, two hours more to go. It's a
Saturday of the World Series Game seven tonight between the
Blue Jays and the Dodgers. That should be a pretty
(00:23):
fun game. Actually, the game was pretty good last night.
The Dodgers didn't look like a high school baseball team
like they did previous couple of nights.
Speaker 2 (00:31):
All right.
Speaker 1 (00:31):
Also, I want to remind you next Saturday, from two
to five, that's always the Fork Report with my friend Neil,
who's with me every morning on the morning show. He
is broadcasting on a remote and that's from the Wild
Fork Store in Laguna Miguel, and that will be from
two to five o'clock. I am joining him and inviting
(00:54):
you to join us because it's the annual Thanks Grilling
where we have chefs from all over cooking up and
grilling and barbecuing, and the food is from Wild Fork,
which is tremendous food. It's unbelievable. And Zelman's will be
there handing out samples. It's gonna be a lot of fun.
Now it's once a year and it's a huge event
(01:14):
that we do. And so at Laguna Miguel the Wild
Fork Store two to five pm.
Speaker 2 (01:20):
Love to see you.
Speaker 1 (01:21):
There also the phone numbers here, Let's get to that
because that's pretty important on this show. Eight hundred five
two zero one five three four. The number is eight
hundred five two zero one nine three four. That's the
number to call. We have lines that are open because
of course it's the top of the hour. Eight hundred
five two zero one five three four. This is Handle
(01:45):
on the law marginal legal advice, where I bill handle
tell you in certain name here you have absolutely no case.
Speaker 2 (01:54):
Now I don't know if you well, of course you do.
Speaker 1 (01:57):
Medical debt in this country is completely overwhelming. If you
don't have insurance, actually good insurance, and you have any
kind of a medical procedure, medical or even minor, you're
gonna go broke. I mean, just that simple. The cost
of medicine in this country is astronomical. We have a
broken system. We don't have a national health plan, a
(02:18):
single payer plan like every other country, the industrialized country
the world has.
Speaker 2 (02:23):
But that's the politics of it.
Speaker 1 (02:25):
Let's talk about the practicality of this, and that is,
if you don't have insurance or good insurance, and you're
not dirt poor. Then a procedure is done and you're
going to owe a whole lot of money, and I
mean a whole chunk of money which most people can't afford.
I had open heart surgery, for example, a few years ago,
(02:47):
and I have a great HMO. I'm with Kaiser, and
I have this platinum top of the line coverage. So
even with that, I paid three thousand dollars out of pocket.
All right, I mean three thousand dollars is no fun,
But for or an open heart surgery. I looked at
the bill, the internal bill. I got hold of one
hundred and twenty five thousand dollars and I had to
(03:07):
pay three thousand for various tests and procedures and labs, etc.
Speaker 2 (03:11):
And staying overnight in the hospital. I spent a week there.
Speaker 1 (03:14):
And it was I mean, can you imagine locking out
the door and owing one hundred and twenty five thousand dollars.
It's completely crazy. So here's what happens. Most of the time,
people go bankrupt. For a huge number of people that
go bankrupt, and of course their credit is totally ruined.
Speaker 2 (03:34):
Now there are.
Speaker 1 (03:37):
States that say that can't even be put on your
credit report. You don't have to go bankrupt. You know
the money, and if you don't have the money, you
go ahead and do what you want to do. But
medical debt cannot be put on your on your credit report.
Speaker 2 (03:53):
That sounds reasonable, That is reasonable.
Speaker 1 (03:56):
New York probably is the most liberal state or the
most pro consumer state. California also has some laws pertaining
to what can be put on your credit report. Well,
the Trump administration is moving to get rid of all
of that. They're moving to overrule any state laws that
protect consumers from the credit reports from medical debt.
Speaker 2 (04:20):
And this is a big one.
Speaker 1 (04:21):
This is the Trump administration saying that you know what
it's going to be reported.
Speaker 2 (04:27):
You owe, you owe, and that's the way it goes.
Speaker 1 (04:30):
You imagine the uproar on that one, because the majority
of bankruptcies out there, personal bankruptcies, are because of medical debt.
And if there is no medical debt, if we had
single payer insurance, now we're back to the politics. If
we had a plan where out of taxes, medical bills
are paid, which happens in every industrialized country in the
(04:51):
world short of us, then none of this would even occur.
But the bottom line is the state's protections against reports
medical debt will be gone.
Speaker 2 (05:03):
That's what they're doing.
Speaker 1 (05:05):
Trump administration is now moving to the Consumer Financial Protection
Bureau to draft laws relating exactly to that, don't get hurt,
don't go to the hospital, don't have tests. You ever
been in a hospital or a clinic. It's nine dollars
for two aspiring. I mean they go crazy, all right,
some phone calls.
Speaker 2 (05:25):
Let's do it. Hi, Timmy, welcome, you're up.
Speaker 1 (05:30):
Yeah.
Speaker 3 (05:30):
I had a one a two million dollar personal injury case.
I have two brief questions about it. Regarding malpractice. My
attorneys filed a nine to nine eight for a million dollars,
and we obviously surpassed a million dollar nine nine eight.
Speaker 1 (05:47):
Uh.
Speaker 3 (05:48):
And then later subsequently I found out that they did
not disclose to me that they filed a two point
five million dollar nine nine eight. I was never notified
of that.
Speaker 1 (05:58):
I wanted to know if that yeah, yeah, you probably Yeah,
that sounds like malpractice. By the way, a nine nine
eight motion for people that don't know, is that when
a settlement, when you're talking settlement and the defendant says, uh,
here is what I'm offering to pay here is my
offer and uh the uh the.
Speaker 2 (06:18):
The plaintiff says, nope, not taking it.
Speaker 1 (06:20):
If the money goes underneath that offer, then the defendant
pays all attorneys fees.
Speaker 4 (06:27):
Uh.
Speaker 2 (06:27):
And over that you're free and clear for my understanding
of nine nine eight.
Speaker 5 (06:32):
Uh.
Speaker 1 (06:32):
If yeah, If then so, yes there was malpractice you
have you should have been one hundred percent prize of
that because that took away Any settlement agreement has to
take a.
Speaker 2 (06:43):
Nine nine eight into into consideration. Just have to because
you're talking about attorney's fees.
Speaker 5 (06:48):
Uh.
Speaker 1 (06:48):
In fact being involved. That's a big, big money, especially
in a two million dollar case.
Speaker 2 (06:53):
So yes, malpractice.
Speaker 3 (06:54):
Now next questioning last, Okay, the second issue with them
is they had my medical treating doctors come in and
explain the bills and everything, and then when it was
time to, I guess, justify the bills or render the
bills as reasonable industry standard reasonable, they used one of
(07:18):
my treating doctors to do that, and the judge disallowed
the medical bills and they it costs about five hundred
grand in the settlement. And I'm wondering if that also
is a yeah.
Speaker 2 (07:29):
Okay, A couple of things I don't know why.
Speaker 1 (07:34):
The judge disallowed that because, well maybe because it wasn't
an expert witness on the validity of those.
Speaker 2 (07:40):
Bills as beings. That's what it was, Okay, got it.
Speaker 1 (07:43):
So you bring in your own doctor and you and
you're trying, you're supposed to bring in an expert to
deal with the validity of these bills.
Speaker 2 (07:51):
You didn't bring in an expert. You brought in your
own doctor.
Speaker 1 (07:54):
And the judge said, not going to hear that, don't
want it, and so disallowed it.
Speaker 2 (07:59):
And it was five hundred thousand dollars.
Speaker 1 (08:02):
That's another issue of medical malpractice for your attorney to
bring in your own doctor to justify the reasonableness of
a medical bill, where you're supposed to bring in an
expert witness outside of the case. Yeah, the lawyer blew it. Yeah,
real simple. So you have malpractice all over the place.
Two million bucks?
Speaker 2 (08:22):
How much did you get? How much did you get,
by the way, got two million? Okay you got physically,
you got two million dollars out of that. How much
did the lawyer take?
Speaker 3 (08:32):
They take a third?
Speaker 2 (08:34):
All right, so net net.
Speaker 1 (08:35):
You got what one point six one point five would
you get?
Speaker 5 (08:40):
Well?
Speaker 3 (08:40):
Probably one point three right somewhere in there.
Speaker 1 (08:42):
Yeah, and how badly were you banged up?
Speaker 3 (08:48):
Pretty bad? I had about four years of a lot
of surgeries.
Speaker 2 (08:52):
Oh I'm sorry, yeah, you know.
Speaker 3 (08:54):
And people I'm pretty good now.
Speaker 2 (08:56):
Oh good for you.
Speaker 1 (08:57):
When people say, oh I got five million dollars, I
got ten million dollars, all of us go ooh, look
at the money. You you, look at the money you got.
I don't know if one person who has ever said
it was worth it, I would do it again for
the money.
Speaker 3 (09:12):
Well, that's that's a that's an accurate assment. I do.
I do it did put a smile on my face.
It's very interesting that the jurors wouldn't look at me
through the whole case, and then when they came out
of the jury room, they were all looking at me,
love eyes and happy.
Speaker 2 (09:28):
Now you know, and they were following.
Speaker 1 (09:30):
And instantly those jurors were following the judges instructions to
the letter in terms of not looking at you, not reacting,
and doing exactly what they should have done. This is
handle on the long can't if I handle here. It's
Saturday morning right up until eleven o'clock. Then rich tomorrow
from eleven to two and then my friend Neil two
(09:52):
to five with the Fork Report.
Speaker 2 (09:53):
Next week. The Fork Report is in.
Speaker 1 (09:56):
Laguna Aguel, and I'm joining Neil for the annual Thanks
Grilling broadcast at the Wild Fork Store, which is going
to be providing all the great meats, what meats they have,
and Neil will be barbecuing and grilling, and there'll be
chefs there and lots of samples. I mean not costco
size samples, I mean lots of great samples of food.
(10:20):
Zelman's will be there giving out free samples. So calendar
that one that's worthwhile and we'll all get together Thanks Grilling.
I always go because it's free food, and you bring
me free food, I'm there. And so that's at in
Laguna Miguel at the Wild Fork Store. And the phone
number here eight hundred five two zero one five three four,
(10:43):
eight hundred five two zero one five three four.
Speaker 2 (10:46):
With lines open.
Speaker 1 (10:48):
We have some but lines are open if you want
to call in eight hundred five two zero one five
three four. Welcome back. Handle on the Law, Marginal Legal
ad Vice. Eric eure Rope, Welcome.
Speaker 5 (11:05):
YOUO.
Speaker 2 (11:05):
Eric, Hello Eric, Eric, Yes, Eric.
Speaker 1 (11:13):
We get off the speakerphone and then we get on
the air and say hello Bill. Okay, your turn. Okay, Okay,
Here's how it works. Eric, you asked the questions of me,
and I sit here and I shut up. Well, you
ask and then I try to answer.
Speaker 2 (11:30):
You want to try that?
Speaker 6 (11:32):
Yes?
Speaker 2 (11:32):
Okay, good? What's your question? All right?
Speaker 6 (11:35):
So my main income is from Social Security that directly
deposits into our checking account. There's a possibility we're going
to be sued for an unpaid debt. We're doing a
debt relief program. We have a small savings account and
some emergency cash. Is there any way I can legally
(11:57):
protect the Social Security that comes into the checking account,
the emergency cash.
Speaker 2 (12:04):
Yeah, okay, let me ask you question.
Speaker 1 (12:05):
Okay, this is I mean, the quick answer is no,
you owe the money, But the longer answer is yes,
as a practical magic matter.
Speaker 2 (12:12):
How much do you owe? Eric? How much do you owe?
Speaker 6 (12:17):
Oh? It's it's about eighty thousand dollars totally.
Speaker 2 (12:20):
Who eighty thousand dollars? That's not a small amount of money?
All right?
Speaker 1 (12:24):
Now, your income is primarily social Security?
Speaker 6 (12:29):
Yes, how do you get How do you get.
Speaker 2 (12:31):
Eighty thousand dollars?
Speaker 1 (12:32):
How do you get eight thousand dollars in debt with
Social Security income.
Speaker 2 (12:36):
How did you this debt? I'm sorry medical Ah.
Speaker 1 (12:40):
Yeah, the medical bills, okay, got it. Yeah, medical bills.
I just I just did a story about that.
Speaker 2 (12:45):
Yeah.
Speaker 1 (12:46):
Medical bills absolutely nail people big time. I will tell
you what's going to happen. I don't think anybody's going
to sue you. If they know you're on Social Security,
they're going to give it up because there's no way
for them to collect It's not worth the hassle for
them to collect it. Now, you can go bankrupt on
it and that wipes it out completely, but that's gonna
(13:08):
cost you a thousand bucks, that's gonna cost you maybe
fifteen hundred dollars, or you can simply just say I'm destitute.
Speaker 2 (13:16):
I live on Social Security.
Speaker 1 (13:18):
That's it. They're not going to go after you. The
cleanest way of doing it is to go bankrupt.
Speaker 2 (13:22):
Eric.
Speaker 1 (13:22):
But in order for them to collect money, your Social
Security money, and keep in mind that's pretty limited money.
How much so Security money? How much do you are
well and I don't.
Speaker 2 (13:32):
Even care about that.
Speaker 1 (13:33):
How much do you have in savings and emergency funds
right now?
Speaker 2 (13:37):
What do you have in the.
Speaker 6 (13:37):
Bank, nothing like four thousand dollars.
Speaker 2 (13:41):
Yeah, they're not gonna go after you. Yeah, you're fine.
It don't even work.
Speaker 1 (13:45):
Just tell just tell them that, you know, just tell
mom on Social Security leave me alone.
Speaker 2 (13:50):
Okay, all rank you Yeah you got it. Yeah yeah.
Speaker 1 (13:53):
Talking about that medical debt just kills you every single time.
And these you know, it's not a question at these
medical providers.
Speaker 2 (14:02):
I love you. I think you're wonderful. They want their money.
Speaker 1 (14:04):
The problem is to go after four thousand dollars and
file a lawsuit and go through all of it.
Speaker 2 (14:11):
I don't think so. And do they do they even
go to small claims court? You don't even know if
they even do that, right, Dave, Hi, Dave, welcome? Oh
Dave sure, yep, yep.
Speaker 4 (14:30):
You can hear me?
Speaker 2 (14:30):
Yeah, I can.
Speaker 7 (14:33):
Thank you. Uh wife had an accident.
Speaker 2 (14:36):
Oh hang on, Dave, are you on a wait before
we start? Are you on a speakerphone with any chance?
Speaker 7 (14:41):
On a truck? Truck in the truck? Does that work?
Speaker 4 (14:45):
Uh?
Speaker 1 (14:45):
Yeah, I just speak a little louder, it will work.
Yeah'll let you fly because otherwise you're going to get
a ticket. Okay, Uh all right, well, moving on. I'm
sorry let's start from the beginning.
Speaker 7 (14:54):
So the wife had an accident. We got the accident attorney.
He didn't respond. We got another attorney. This attorney he's
been dragging his speech. So we asked him to settle
the account for the twenty five thousand. He self dismissed
himself from the case. And then long and behold, we
found out he has the twenty five thousand paid out
(15:15):
to his account. Already. You know where do we go
from here?
Speaker 2 (15:18):
Okay?
Speaker 1 (15:19):
You call you all right, and he's withdrawn from the
case and he's still holding on the trust money, the
twenty five thousand dollars.
Speaker 2 (15:27):
All right, you call him up. This found out, yeah, okay.
How long has he been holding onto the money.
Speaker 7 (15:33):
Since June?
Speaker 2 (15:34):
Okay?
Speaker 3 (15:34):
How long?
Speaker 2 (15:35):
All right? Since June's four or five months? And he
withdrew from the case.
Speaker 8 (15:42):
When two weeks ago?
Speaker 2 (15:45):
Two weeks Oh, so he's.
Speaker 1 (15:46):
Been five months, got the money and then withdrew from
the case.
Speaker 2 (15:50):
Okay. I would call the.
Speaker 1 (15:51):
Office and say I want to speak to the lawyer.
They probably won't talk to you, because that's what these
people do. And then when you're in those circumstances and
you write them an email saying you withdrew from the case.
Speaker 2 (16:02):
I understand that you have twenty five thousand dollars paid
to you.
Speaker 1 (16:04):
I want my money now, and if you don't pay it,
the next thing I'm going to do is take you
to the state bar because that lawyer is in all
kinds of violations at this point.
Speaker 3 (16:17):
That was my assumption.
Speaker 1 (16:18):
Got it, Yep, that's absolutely correct. You are gonna be fine.
Just get aggressive with that lawyer. You'll get paid because
the state bar jumps right into these situations. All right,
Before we take a break, I want to talk about hurting.
And a lot of people call this show hurt but
I'm talking about physical pain, real serious chronic which means
it's there all the time, chronic pain. And if you
(16:41):
know someone, if you suffer from chronic pain, or live
with someone who suffers from chronic pain, which I do,
or treat people or just no people that suffer like that,
let me suggest listening to the Pain Game podcast. The
Pain Game podcast is hosted by someone who does experience
chronic pains, wife actually, and she lives at twenty four
(17:02):
to seven.
Speaker 2 (17:03):
Let me tell you how serious chronic pain can be.
Speaker 1 (17:05):
People kill themselves over pain because they just can't take
it anymore.
Speaker 2 (17:10):
So what Lindsey does.
Speaker 1 (17:11):
She created this podcast, the Pain Game Podcast, to deal
with it. And what she did she helps other people,
it helps herself in the process and has discovered that
this show that she has is about giving pain purpose.
I know that sounds weird, but believe me, this works.
That's the Pain Game Podcast. So wherever you listen to podcasts,
(17:33):
if pain or trauma is anywhere in your life, listen
to the Pain Game Podcast. You can follow on social
at the Pain Game Podcast, or just listen to the
Pain Game Podcast.
Speaker 2 (17:46):
This is Handle on the Law.
Speaker 9 (17:49):
You're listening to Bill Handle on demand from KFI AM
six forty.
Speaker 1 (17:55):
KFI AM six forty Bill Handle here on a World
Series Saturday, last day of the World Series Game seven tonight.
And the phone numbers. We do have lines open right
now for legal advice. Eight hundred five two zero one
five three four. That's eight hundred five two zero one
(18:16):
five three four. And we're pretty good, pretty good shape
phone call wise, because I go through a lot of
these phone calls really quickly.
Speaker 2 (18:24):
Some might take my time out.
Speaker 1 (18:25):
If I can make fun of you, if I can
humiliate you in any way, of course, I go walls
to the wall, and that one also just kind of
fun hearing the stories, because quite often it's not just
the legal advice which is terrible that I give. I mean,
that'll be the first one to admit my advice is
got awful. It's a matter of fact the approaches malpractice,
but it's also the backstory of how people got there,
(18:47):
and that usually and most of the times has a.
Speaker 2 (18:50):
Lot to do with where do I sit now?
Speaker 1 (18:52):
Of course, So the number eight hundred five two zero
one five three four. That's eight hundred five two zero
one five three four. Welcome back, Handle on the Law,
marginal legal advice. Hello Barbara, welcome to Handle on the Law.
Speaker 3 (19:09):
Yes, ma'am, Hi, thanks for taking my call.
Speaker 9 (19:12):
And I hope they're humorous enough. Not me, but what
the Homeowners Association has been doing that you can get
some laugh.
Speaker 5 (19:20):
Am.
Speaker 9 (19:20):
I homeowner of a condo. We use it as a
rental and we had a flood from common piping, documented it,
submitted it and they've been a nightmare since. Kind of
gone back and forth as offers, but at the last
agenda they decided to publish and slander me. So they
wrote my name, my address, the amount, which they knew
(19:44):
was erroneous because they had the offer in hand. And
then they wrote, should all owners pay for a complete
kitchen remodel for a rental unit? Then they wrote do
all owners get part of the additional five hundred dollars
a month rent a landlord can charge for a new kitchen?
So that went out to general membership. We wrote and
said this was actually incorrect and appropriate to speculate and
(20:08):
make these accusations. They emailed the new agenda but kept
this other one up to date to the state on
their website. We verbally at the homeowner's meeting said, do
you actually you know this is not actually correct? This
is clearly designed to bias and take it down, and
it's still up, so beside my suit. Beside my suit
(20:31):
which I have extremely well documented. They have a history
of this kind of behavior, so this is not the
first time they're doing it. They use words and agendas
like greedy homeowners. They used words like fear mongering, people
trying to exploit the association may as you as. They
have a kind of Trumpian president who starts off the
(20:55):
meetings with bragging about the financial status of the HUA
and the other four for whatever reason's bold. I have
no clue.
Speaker 2 (21:05):
What's your question? What's your question?
Speaker 1 (21:08):
And yeah, sort of it not really, I mean, you know, technically, technically,
technically it could be. But based on the fact that
this happens on a regular basis, do any and other
homeowners are tagged the same way? Does anybody pay attention
to those allegations? I mean, you get anybody that comes
(21:29):
to you and goes, oh my god, you're a horrible person.
Look what you did, Barbara, How can you do this
to the homeowner association?
Speaker 2 (21:35):
Do you have any of that?
Speaker 9 (21:38):
I haven't. But the other one who's been tagged like this, Yeah, well.
Speaker 2 (21:40):
Then that's what.
Speaker 1 (21:41):
It doesn't matter what you're talking about, your libel. It's
not someone else's libel. And the answer is probably. But
nobody cares. That's the problem. Nobody cares, Barbara. Your reputation
hasn't been influenced. Everybody just thinks you're okay. They know
this guy is a mini hitler. They know that, and
they've all received letters. That's just who he is. Would
(22:04):
a libel suit fly maybe kind of sort of, but
it's so remote. Just just go forward with your lawsuit.
Ignore the crap that's being thrown out and actually enjoy it.
Speaker 2 (22:21):
As a matter of fact.
Speaker 1 (22:21):
What you want to do is do a football pool
and ask the other homeowners, Hey, let's find out who
he's going to attack next time. How many minutes is
he going to brag about how brilliant he is? And
then more importantly, you run for office, and equally importantly
you don't elect him because the only way he's.
Speaker 2 (22:39):
On the board.
Speaker 1 (22:41):
Yeah, and how many people, well, how big is the
condo association? How many units were talking about?
Speaker 9 (22:46):
It's three hundred and sixty. And as soon as they
got the film with you, I'm headed over to a meeting.
Work stand up?
Speaker 2 (22:52):
All right? Good?
Speaker 1 (22:53):
You stand up, and you say And what I would
do is hand out copies of those letters to everybody
and say, hey, this is the kind of guy who
is running our association.
Speaker 2 (23:04):
And then he's gonna call that. He's gonna call.
Speaker 1 (23:07):
Me and and ask if Barbara you are liabling him.
Speaker 2 (23:13):
Just get get him off. Yeah, get him off. You're
gonna be fine. You're gonna be just fine.
Speaker 1 (23:18):
I would not worry about it what whatsoever. Hey, Johnny,
welcome to handle on the law.
Speaker 5 (23:28):
Yeah, okay, with Kaiser, I want to move over to Ppo. Okay,
I want to know from you the restrictions won't you
make that you go to Ppo? Do you have to
then stay with them for that one calendar year?
Speaker 2 (23:40):
You're talking about Kaiser or with a new Ppo?
Speaker 5 (23:44):
What's a new Ppo?
Speaker 2 (23:45):
That depends on what the Ppo wants you to do.
Speaker 1 (23:48):
It's that simple. You look at the policy and you
look at the new Ppo and you go, okay, I
want to sign up with you. I want to dump
Kaiser And now what, uh does? Are there any restrictions?
Is there a period of time before he kicks in?
I can't I measure a one year rule? That That
didn't make any sense at all, other than maybe if
you stim in with Ppo and they say it's going
(24:09):
to be a year before he kicks in, which I've
never heard of insurance company doing that.
Speaker 5 (24:15):
But but Kaiser, but Kaiser and Ppo? Uh, you know,
I'm going to make that I'm gonna cross over. And
so that's my point. I don't want to just stay
for one month. I want to be there for years.
Speaker 1 (24:29):
Yeah, that's what you want to do. So you just
switched from the from Kaiser Ppo to the new Ppo.
That's all You're changing horses mid stream, which you're allowed
to do.
Speaker 5 (24:39):
Okay, but right now there's a sign up time and
it's like October first to maybe the end of the year,
and then that's it.
Speaker 2 (24:46):
Are you talking about medic Are you talking about Medicare?
Speaker 5 (24:50):
Right, I'm on, sen I got it?
Speaker 1 (24:52):
Okay, Then you can only write so at this point
you can drop Kaiser. But this is cover it. This
is Medicare cover. This has nothing to do with which
organization you are with. Medicare pays for whatever plan you
are on, and you can switch. And what they've done
is say this is the period of time in which
(25:12):
you're allowed to switch, and we're allowing you to switch
with no hassle. There's no issue the other time. This
it's a Medicare issue. It's not a Kaiser and a
PPO issue. It's strictly a Medicare issue.
Speaker 5 (25:25):
Yeah, you're okay, you're clearing that up, correct.
Speaker 1 (25:27):
Yeah, And you can call you know, they have all
these advertisements you see on TV and you're listening to
radio and see the print and the billboards, et cetera,
that say, I'm if you have Medicare, we can help
you out and find out what plans are there. The
reason they do that, and they, by the way, they
do help. I mean, don't misunderstand. These are not scams
at all. What they do is they want to grab
(25:50):
you and put themselves and administrators under the plan.
Speaker 2 (25:54):
They're still legitimate plan. You're still a Medicare.
Speaker 1 (25:56):
But what they do is it's Medicare changes and it does.
Speaker 2 (26:01):
Benefits change year to year.
Speaker 1 (26:02):
Sometimes they stay the same, sometimes they are different and
depend It even depends on your zip code. That's how
complicated it is. Medicare is just a bitch to deal with.
The Yeah, it is, but go to one of these
places and it doesn't affect you at all. What it
does is simply affect them as administrators of the plan.
Speaker 2 (26:24):
You don't worry about it.
Speaker 1 (26:25):
Call one of these places and they'll tell you which
one and they'll help you with all of it. You're
going to be just fine, Okay, all right, you got it. Yeah,
And I wanted to clear that up Medicare. I've been
on Medicare now and it's weird stuff. It really is now.
Interestingly enough, I've been with Kaiser as you know, my
entire life. They tried to kill me a few times,
but they didn't quite make it. Although I've had friends
(26:46):
that were successfully killed by Kaiser, and Kaiser is also
administrator of its own plan. In other words, not only
do they provide the coverage, but they also administer because
under medica Care, there is an administrator for Medicare, and
so everybody wants to jump on that. That's why you
see these ads like crazy, and you only see them
(27:10):
during this period October one till the first of the year.
That's when the switch can take place according to Medicare.
This is handle on the law.
Speaker 2 (27:22):
Yeah, fine, Good morning, everybody.
Speaker 1 (27:24):
I'm takes six sertain and we'll scramble up here. Good morning, everybody,
handle here on a Saturday morning. World Series Game seven tonight,
and we'll see if the Dodgers or the Blue Jays
take this away. Dodgers hoping to repeat last year and
follow phone numbers. We do have a couple of lines open,
and boy, we're going through them pretty quickly today, which
(27:46):
is always fine. Eight hundred five two zero one five
three four eight hundred five two zero one five three
four and you will get right in.
Speaker 2 (27:56):
All what else?
Speaker 1 (27:58):
Uh, I'll tell you about that later the event Thanks
grilling event we're doing next Saturday at the Inaguin and
Miguel at the Wild Fork Store. But I'll do that
a lot later. By the way, good cough there say
I'm in the background. Love it.
Speaker 2 (28:15):
Eight hundred and.
Speaker 1 (28:15):
Five two zero one five three four. Welcome back, handle
on a law marginal legal advice.
Speaker 2 (28:23):
Dennis. Actually have a good question, Dennis, you're.
Speaker 4 (28:26):
Up, Hey Bill. I'll start with the question, do I
have any legal avenues to compel a county property tax
assessor to reassess my property after their assessment post purchase?
And then the explanation is the property was originally assessed
around two hundred thousand dollars with the prior owner. I
(28:49):
purchased it. They immediately came out and assessed it for
twenty thousand dollars more than the purchase price. I provided
compts that show that I actually overpaid for it. It
was going to be a marijuana grow, but that industry
tank at any event. It's been now two years. They
say they have a more than a three year backlog,
(29:09):
but my comps show this thing to be worth or taxed,
you know, basically in the two hundred and fifty thousand, Okay,
yeah you.
Speaker 1 (29:20):
Have you have a different Basically they owe you money.
You're overpaying on your property tax.
Speaker 2 (29:25):
So I have that right.
Speaker 4 (29:26):
Sure, they're they're assessing it at three hundred and seventy
five thousand dollars and the comps and the comp showed
it like two fifties.
Speaker 2 (29:33):
Okay, so I fair enough. So what you're doing is
you're overpaying.
Speaker 1 (29:37):
And what you've done is you are now applying for
a reassessment, which you are allowed to do under law,
and they have to reassess it. And usually people when
when comps show the property way undervalued based on what
they're saying, usually you win because that is the realistic assessment. Now,
the three year delay, there isn't much you can do
(29:58):
about that. That's backlog. It's a question of budget. It's
a question of how many people.
Speaker 5 (30:03):
I mean.
Speaker 1 (30:03):
Keep in mind that, for example, there's a fire that
takes place, the Palisates fire, and on the books, the
the tax is still the same. That property is worth
two million dollars, is still assessed to two million dollars
even though it's just a pile of firewood. And so
(30:23):
what happens is the application is made to reassess the
property and they're gonna win. And it sounds like you're
gonna win. And the good news is it's going to
be retroactive from the time you applied.
Speaker 3 (30:37):
Retroactive.
Speaker 1 (30:39):
Yeah, I think so. I think they go back. I
think from the time you apply, they go retroactive.
Speaker 5 (30:43):
Yeah.
Speaker 1 (30:44):
I do not believe because the backlog. I don't believe.
The backlog hurts you. And so what's going to happen
at the end of it all? You will get your
money back or you can roll it over to the
next tax bill. And I don't know if that's your
choice or not. I think it is, and you be fine.
You could always appeal it too. If you don't agree
with what they say, you appeal it. And by the way,
(31:04):
most homeowners win those appeals and win those assessments because
the values right there here are the comps there, they
are in front of your face, and you can't argue
of how long it takes because well, can you imagine.
Speaker 2 (31:17):
Let me, I don't know what county are in, What
county are you in?
Speaker 4 (31:21):
Well, this is an investment property in Humboldt.
Speaker 1 (31:23):
County up most Okay, all right, So it's so you
have the assessor's office in Humboldt County County and there
may be one guy and his Humboldt County, which is
the marijuana capital of the world. And so the one
assessor is sitting back and he's at the local in
and out burger if they have him up there smoking
(31:43):
a joint and having lunch for five hours.
Speaker 2 (31:46):
So you're going to be fine. You're going to be
just fine.
Speaker 1 (31:50):
And no, you can't do anything about the assessor's office
taking as long as it should. It is what it
is in terms of the revenue and in terms of
their resources.
Speaker 2 (32:00):
So not to worry, and keep on paying your taxes.
Speaker 1 (32:02):
By the way, do not stop paying taxes, because what
you're actually doing paying into savings account non interest. But
you're paying into a savings account. Oh, Fred, Hello Fred, welcome.
Speaker 8 (32:17):
Yeah, Bill, I've got a property line dispute. I had
the property surveyed by licensed surveyor and it shows that
defense that's there is in his favor when it's actually
my fence. So can I go on the property and
put the fence back?
Speaker 2 (32:38):
Well, all right, let me okay, let me ask okay,
let me ask you a question.
Speaker 1 (32:42):
Okay, how far into or how much property do you
lose up to the fence line?
Speaker 8 (32:49):
Three feet?
Speaker 1 (32:50):
He grabbed three feet and how big is that piece
of property?
Speaker 8 (32:55):
Three acres?
Speaker 1 (32:57):
Okay, Well, I mean I'm gonna ask the practical question
and then we're going to talk about the legal aspects.
How important is that three feet?
Speaker 8 (33:10):
Not really all that important?
Speaker 2 (33:11):
Okay?
Speaker 1 (33:12):
Is there any value difference in the property and the
value of the property essentially no right?
Speaker 2 (33:22):
Okay, so your damages are virtually zero.
Speaker 1 (33:24):
Now legally, do you have the right to build on
your property?
Speaker 2 (33:29):
Hell?
Speaker 1 (33:29):
Yes, Do you have a right to tell the owner
get the proper get get your fence off the property? Absolutely?
What kind of fence is it? Is it a block fence?
Is it just a wooden fence? What does he put up?
Speaker 8 (33:43):
Chain link?
Speaker 2 (33:45):
Chain link? All right? Do you like the fence?
Speaker 8 (33:50):
It's in bad shape.
Speaker 1 (33:51):
Okay, Well, then what I would do is let him
know you're on my property. Your fence is on my property.
Here's the survey, and I'd like you to move the fence.
And that means you get to put up your fence
or there'll be no fence. There's no law that says
you have to have a fence. So if he says
to go pound sand, he has to take it down.
Speaker 2 (34:11):
And now there's no fence.
Speaker 1 (34:14):
And does do you have any dogs or does he
have any dogs that eat people?
Speaker 5 (34:19):
I do?
Speaker 4 (34:19):
That's three.
Speaker 2 (34:21):
Yeah, yeah, I know what I would do. I'll tell
you what. I will tell you what I would do.
Speaker 1 (34:28):
As a practical measure, Just put up a fence on
your property and leave it alone. Put a a fence
on your fence line and leave it alone. Let him know,
the property owner, let him know, Hey, this is on
my property.
Speaker 2 (34:42):
Take down your fence. Make a demand.
Speaker 1 (34:43):
He can say yes or no, and you can take
it to court if you want.
Speaker 2 (34:48):
I don't know if I would take it to court.
Speaker 1 (34:51):
But you have to have a fence that in fact
holds your dogs in, because if you don't have a
fence and your dogs go out and start eating folks,
like eating little children, you have bought a.
Speaker 2 (35:05):
World, a world of hurt. Yeah, what kind of dogs
you have?
Speaker 8 (35:10):
Question quickly A German shepherd?
Speaker 1 (35:15):
Oh god, yes, And you don't have insurance.
Speaker 2 (35:18):
I'll tell you right now.
Speaker 1 (35:19):
Your homeowner's insurance doesn't cover your Doberman. Doesn't cover the
German shepherd.
Speaker 8 (35:25):
Got it all right?
Speaker 2 (35:27):
You have one more questions?
Speaker 8 (35:28):
Question quickly. Yes, I have a tree, a big tree
that's on my side of the property. However, one of
the branches, which is very large, is over on his
side of the property. If it breaks and falls down,
who has to clean it up?
Speaker 2 (35:45):
You do cut the tree.
Speaker 1 (35:48):
The branch property doesn't mean, but it's your tree that's
overrunning his property. You are responsible for your tree. Cut
that branch down. Just cut it down at the property line,
because then he calls me.
Speaker 8 (36:03):
It'll go immediately down on his property.
Speaker 1 (36:06):
Well, then you say, here's what you do. You say
to him, this is what I'm going to do. I
am going to cut this branch and my expense and
I want access to your home.
Speaker 2 (36:16):
If he says no, you make sure that that.
Speaker 1 (36:18):
Is all memorialized, that's all put in writing. And when
your branch does come down and do whatever property damage
to his place, you show hey, I offered and he
said no, I am not liable, And if he has
any brains, what he will do is allow you to
cut that branch down. But you are responsible unless he
(36:39):
says no. Unless you offer and he says no, and
then there'll be a suit anyway. But this is why
God invented insurance to begin with. So everybody's going to
be fine or they're going to get their assets to
shoo it off, or the dog's going to eat a toddler,
and it's going to.
Speaker 2 (36:55):
Be a lot of fun.
Speaker 1 (36:56):
All right, Just let me talk about your breath for
a moment. And if you don't have bad breath, you
don't want to listen to this commercial, because I know
you never wake up. First of all, you never go
to sleep and wake up with morning breath because you're you.
And I'm sure you don't drink coffee and have coffee breath.
And I'm sure you never eat garlic or onions or
anything that causes bad breath because you're unique. Well you're not.
(37:20):
The bottom line is, we do eat garlic and onions.
We do wake up and have morning breath. We do
have an issue. It's that simple because of the foods
we eat. So let me suggest dealing with Zelmon's Zelman's
minty mouth. I didn't say minty mouth. Mints, Well, they
are mint to an extent. These little capsules, these little
(37:40):
capsules of parsley seed oil that is covered with a
nice strong mint. So you pop two or three in
your mouth, you suck on the mint, and when the
mint part is finish, either bite into the capsule or
swallow them and they get to work in your stomach.
And a lot of people don't understand that bad breath
can come from your stomach too. The food goes down
and the acids hit it. Guess what it does its thing,
(38:02):
And what Zelman's minte Mouth does is take care of
both sides of that.
Speaker 2 (38:06):
No mint in the world.
Speaker 1 (38:07):
Does that fresh, clean breath, uh confident breath for hours
and hours. You won't find Zelman's at Trader Joe's or
at Walmart or at Costco. Only at Zelmans dot com,
Z E L M I N S. Zelmans dot com,
Zelmans dot com.
Speaker 2 (38:26):
This is Handle on the Law.
Speaker 8 (38:30):
You're listening to Bill Handle on demand from kf I
A M six forty
You're listening I Am six forty the bill Handle Show
on demand on the iHeartRadio fi Am six forty bill Handle.
Here Saturday morning, two hours more to go. It's a
Saturday of the World Series Game seven tonight between the
Blue Jays and the Dodgers. That should be a pretty
(00:23):
fun game. Actually, the game was pretty good last night.
The Dodgers didn't look like a high school baseball team
like they did previous couple of nights.
Speaker 2 (00:31):
All right.
Speaker 1 (00:31):
Also, I want to remind you next Saturday, from two
to five, that's always the Fork Report with my friend Neil,
who's with me every morning on the morning show. He
is broadcasting on a remote and that's from the Wild
Fork Store in Laguna Miguel, and that will be from
two to five o'clock. I am joining him and inviting
(00:54):
you to join us because it's the annual Thanks Grilling
where we have chefs from all over cooking up and
grilling and barbecuing, and the food is from Wild Fork,
which is tremendous food. It's unbelievable. And Zelman's will be
there handing out samples. It's gonna be a lot of fun.
Now it's once a year and it's a huge event
(01:14):
that we do. And so at Laguna Miguel the Wild
Fork Store two to five pm.
Speaker 2 (01:20):
Love to see you.
Speaker 1 (01:21):
There also the phone numbers here, Let's get to that
because that's pretty important on this show. Eight hundred five
two zero one five three four. The number is eight
hundred five two zero one nine three four. That's the
number to call. We have lines that are open because
of course it's the top of the hour. Eight hundred
five two zero one five three four. This is Handle
(01:45):
on the law marginal legal advice, where I bill handle
tell you in certain name here you have absolutely no case.
Speaker 2 (01:54):
Now I don't know if you well, of course you do.
Speaker 1 (01:57):
Medical debt in this country is completely overwhelming. If you
don't have insurance, actually good insurance, and you have any
kind of a medical procedure, medical or even minor, you're
gonna go broke. I mean, just that simple. The cost
of medicine in this country is astronomical. We have a
broken system. We don't have a national health plan, a
(02:18):
single payer plan like every other country, the industrialized country
the world has.
Speaker 2 (02:23):
But that's the politics of it.
Speaker 1 (02:25):
Let's talk about the practicality of this, and that is,
if you don't have insurance or good insurance, and you're
not dirt poor. Then a procedure is done and you're
going to owe a whole lot of money, and I
mean a whole chunk of money which most people can't afford.
I had open heart surgery, for example, a few years ago,
(02:47):
and I have a great HMO. I'm with Kaiser, and
I have this platinum top of the line coverage. So
even with that, I paid three thousand dollars out of pocket.
All right, I mean three thousand dollars is no fun,
But for or an open heart surgery. I looked at
the bill, the internal bill. I got hold of one
hundred and twenty five thousand dollars and I had to
(03:07):
pay three thousand for various tests and procedures and labs, etc.
Speaker 2 (03:11):
And staying overnight in the hospital. I spent a week there.
Speaker 1 (03:14):
And it was I mean, can you imagine locking out
the door and owing one hundred and twenty five thousand dollars.
It's completely crazy. So here's what happens. Most of the time,
people go bankrupt. For a huge number of people that
go bankrupt, and of course their credit is totally ruined.
Speaker 2 (03:34):
Now there are.
Speaker 1 (03:37):
States that say that can't even be put on your
credit report. You don't have to go bankrupt. You know
the money, and if you don't have the money, you
go ahead and do what you want to do. But
medical debt cannot be put on your on your credit report.
Speaker 2 (03:53):
That sounds reasonable, That is reasonable.
Speaker 1 (03:56):
New York probably is the most liberal state or the
most pro consumer state. California also has some laws pertaining
to what can be put on your credit report. Well,
the Trump administration is moving to get rid of all
of that. They're moving to overrule any state laws that
protect consumers from the credit reports from medical debt.
Speaker 2 (04:20):
And this is a big one.
Speaker 1 (04:21):
This is the Trump administration saying that you know what
it's going to be reported.
Speaker 2 (04:27):
You owe, you owe, and that's the way it goes.
Speaker 1 (04:30):
You imagine the uproar on that one, because the majority
of bankruptcies out there, personal bankruptcies, are because of medical debt.
And if there is no medical debt, if we had
single payer insurance, now we're back to the politics. If
we had a plan where out of taxes, medical bills
are paid, which happens in every industrialized country in the
(04:51):
world short of us, then none of this would even occur.
But the bottom line is the state's protections against reports
medical debt will be gone.
Speaker 2 (05:03):
That's what they're doing.
Speaker 1 (05:05):
Trump administration is now moving to the Consumer Financial Protection
Bureau to draft laws relating exactly to that, don't get hurt,
don't go to the hospital, don't have tests. You ever
been in a hospital or a clinic. It's nine dollars
for two aspiring. I mean they go crazy, all right,
some phone calls.
Speaker 2 (05:25):
Let's do it. Hi, Timmy, welcome, you're up.
Speaker 1 (05:30):
Yeah.
Speaker 3 (05:30):
I had a one a two million dollar personal injury case.
I have two brief questions about it. Regarding malpractice. My
attorneys filed a nine to nine eight for a million dollars,
and we obviously surpassed a million dollar nine nine eight.
Speaker 1 (05:47):
Uh.
Speaker 3 (05:48):
And then later subsequently I found out that they did
not disclose to me that they filed a two point
five million dollar nine nine eight. I was never notified
of that.
Speaker 1 (05:58):
I wanted to know if that yeah, yeah, you probably Yeah,
that sounds like malpractice. By the way, a nine nine
eight motion for people that don't know, is that when
a settlement, when you're talking settlement and the defendant says, uh,
here is what I'm offering to pay here is my
offer and uh the uh the.
Speaker 2 (06:18):
The plaintiff says, nope, not taking it.
Speaker 1 (06:20):
If the money goes underneath that offer, then the defendant
pays all attorneys fees.
Speaker 4 (06:27):
Uh.
Speaker 2 (06:27):
And over that you're free and clear for my understanding
of nine nine eight.
Speaker 5 (06:32):
Uh.
Speaker 1 (06:32):
If yeah, If then so, yes there was malpractice you
have you should have been one hundred percent prize of
that because that took away Any settlement agreement has to
take a.
Speaker 2 (06:43):
Nine nine eight into into consideration. Just have to because
you're talking about attorney's fees.
Speaker 5 (06:48):
Uh.
Speaker 1 (06:48):
In fact being involved. That's a big, big money, especially
in a two million dollar case.
Speaker 2 (06:53):
So yes, malpractice.
Speaker 3 (06:54):
Now next questioning last, Okay, the second issue with them
is they had my medical treating doctors come in and
explain the bills and everything, and then when it was
time to, I guess, justify the bills or render the
bills as reasonable industry standard reasonable, they used one of
(07:18):
my treating doctors to do that, and the judge disallowed
the medical bills and they it costs about five hundred
grand in the settlement. And I'm wondering if that also
is a yeah.
Speaker 2 (07:29):
Okay, A couple of things I don't know why.
Speaker 1 (07:34):
The judge disallowed that because, well maybe because it wasn't
an expert witness on the validity of those.
Speaker 2 (07:40):
Bills as beings. That's what it was, Okay, got it.
Speaker 1 (07:43):
So you bring in your own doctor and you and
you're trying, you're supposed to bring in an expert to
deal with the validity of these bills.
Speaker 2 (07:51):
You didn't bring in an expert. You brought in your
own doctor.
Speaker 1 (07:54):
And the judge said, not going to hear that, don't
want it, and so disallowed it.
Speaker 2 (07:59):
And it was five hundred thousand dollars.
Speaker 1 (08:02):
That's another issue of medical malpractice for your attorney to
bring in your own doctor to justify the reasonableness of
a medical bill, where you're supposed to bring in an
expert witness outside of the case. Yeah, the lawyer blew it. Yeah,
real simple. So you have malpractice all over the place.
Two million bucks?
Speaker 2 (08:22):
How much did you get? How much did you get,
by the way, got two million? Okay you got physically,
you got two million dollars out of that. How much
did the lawyer take?
Speaker 3 (08:32):
They take a third?
Speaker 2 (08:34):
All right, so net net.
Speaker 1 (08:35):
You got what one point six one point five would
you get?
Speaker 5 (08:40):
Well?
Speaker 3 (08:40):
Probably one point three right somewhere in there.
Speaker 1 (08:42):
Yeah, and how badly were you banged up?
Speaker 3 (08:48):
Pretty bad? I had about four years of a lot
of surgeries.
Speaker 2 (08:52):
Oh I'm sorry, yeah, you know.
Speaker 3 (08:54):
And people I'm pretty good now.
Speaker 2 (08:56):
Oh good for you.
Speaker 1 (08:57):
When people say, oh I got five million dollars, I
got ten million dollars, all of us go ooh, look
at the money. You you, look at the money you got.
I don't know if one person who has ever said
it was worth it, I would do it again for
the money.
Speaker 3 (09:12):
Well, that's that's a that's an accurate assment. I do.
I do it did put a smile on my face.
It's very interesting that the jurors wouldn't look at me
through the whole case, and then when they came out
of the jury room, they were all looking at me,
love eyes and happy.
Speaker 2 (09:28):
Now you know, and they were following.
Speaker 1 (09:30):
And instantly those jurors were following the judges instructions to
the letter in terms of not looking at you, not reacting,
and doing exactly what they should have done. This is
handle on the long can't if I handle here. It's
Saturday morning right up until eleven o'clock. Then rich tomorrow
from eleven to two and then my friend Neil two
(09:52):
to five with the Fork Report.
Speaker 2 (09:53):
Next week. The Fork Report is in.
Speaker 1 (09:56):
Laguna Aguel, and I'm joining Neil for the annual Thanks
Grilling broadcast at the Wild Fork Store, which is going
to be providing all the great meats, what meats they have,
and Neil will be barbecuing and grilling, and there'll be
chefs there and lots of samples. I mean not costco
size samples, I mean lots of great samples of food.
(10:20):
Zelman's will be there giving out free samples. So calendar
that one that's worthwhile and we'll all get together Thanks Grilling.
I always go because it's free food, and you bring
me free food, I'm there. And so that's at in
Laguna Miguel at the Wild Fork Store. And the phone
number here eight hundred five two zero one five three four,
(10:43):
eight hundred five two zero one five three four.
Speaker 2 (10:46):
With lines open.
Speaker 1 (10:48):
We have some but lines are open if you want
to call in eight hundred five two zero one five
three four. Welcome back. Handle on the Law, Marginal Legal
ad Vice. Eric eure Rope, Welcome.
Speaker 5 (11:05):
YOUO.
Speaker 2 (11:05):
Eric, Hello Eric, Eric, Yes, Eric.
Speaker 1 (11:13):
We get off the speakerphone and then we get on
the air and say hello Bill. Okay, your turn. Okay, Okay,
Here's how it works. Eric, you asked the questions of me,
and I sit here and I shut up. Well, you
ask and then I try to answer.
Speaker 2 (11:30):
You want to try that?
Speaker 6 (11:32):
Yes?
Speaker 2 (11:32):
Okay, good? What's your question? All right?
Speaker 6 (11:35):
So my main income is from Social Security that directly
deposits into our checking account. There's a possibility we're going
to be sued for an unpaid debt. We're doing a
debt relief program. We have a small savings account and
some emergency cash. Is there any way I can legally
(11:57):
protect the Social Security that comes into the checking account,
the emergency cash.
Speaker 2 (12:04):
Yeah, okay, let me ask you question.
Speaker 1 (12:05):
Okay, this is I mean, the quick answer is no,
you owe the money, But the longer answer is yes,
as a practical magic matter.
Speaker 2 (12:12):
How much do you owe? Eric? How much do you owe?
Speaker 6 (12:17):
Oh? It's it's about eighty thousand dollars totally.
Speaker 2 (12:20):
Who eighty thousand dollars? That's not a small amount of money?
All right?
Speaker 1 (12:24):
Now, your income is primarily social Security?
Speaker 6 (12:29):
Yes, how do you get How do you get.
Speaker 2 (12:31):
Eighty thousand dollars?
Speaker 1 (12:32):
How do you get eight thousand dollars in debt with
Social Security income.
Speaker 2 (12:36):
How did you this debt? I'm sorry medical Ah.
Speaker 1 (12:40):
Yeah, the medical bills, okay, got it. Yeah, medical bills.
I just I just did a story about that.
Speaker 2 (12:45):
Yeah.
Speaker 1 (12:46):
Medical bills absolutely nail people big time. I will tell
you what's going to happen. I don't think anybody's going
to sue you. If they know you're on Social Security,
they're going to give it up because there's no way
for them to collect It's not worth the hassle for
them to collect it. Now, you can go bankrupt on
it and that wipes it out completely, but that's gonna
(13:08):
cost you a thousand bucks, that's gonna cost you maybe
fifteen hundred dollars, or you can simply just say I'm destitute.
Speaker 2 (13:16):
I live on Social Security.
Speaker 1 (13:18):
That's it. They're not going to go after you. The
cleanest way of doing it is to go bankrupt.
Speaker 2 (13:22):
Eric.
Speaker 1 (13:22):
But in order for them to collect money, your Social
Security money, and keep in mind that's pretty limited money.
How much so Security money? How much do you are
well and I don't.
Speaker 2 (13:32):
Even care about that.
Speaker 1 (13:33):
How much do you have in savings and emergency funds
right now?
Speaker 2 (13:37):
What do you have in the.
Speaker 6 (13:37):
Bank, nothing like four thousand dollars.
Speaker 2 (13:41):
Yeah, they're not gonna go after you. Yeah, you're fine.
It don't even work.
Speaker 1 (13:45):
Just tell just tell them that, you know, just tell
mom on Social Security leave me alone.
Speaker 2 (13:50):
Okay, all rank you Yeah you got it. Yeah yeah.
Speaker 1 (13:53):
Talking about that medical debt just kills you every single time.
And these you know, it's not a question at these
medical providers.
Speaker 2 (14:02):
I love you. I think you're wonderful. They want their money.
Speaker 1 (14:04):
The problem is to go after four thousand dollars and
file a lawsuit and go through all of it.
Speaker 2 (14:11):
I don't think so. And do they do they even
go to small claims court? You don't even know if
they even do that, right, Dave, Hi, Dave, welcome? Oh
Dave sure, yep, yep.
Speaker 4 (14:30):
You can hear me?
Speaker 2 (14:30):
Yeah, I can.
Speaker 7 (14:33):
Thank you. Uh wife had an accident.
Speaker 2 (14:36):
Oh hang on, Dave, are you on a wait before
we start? Are you on a speakerphone with any chance?
Speaker 7 (14:41):
On a truck? Truck in the truck? Does that work?
Speaker 4 (14:45):
Uh?
Speaker 1 (14:45):
Yeah, I just speak a little louder, it will work.
Yeah'll let you fly because otherwise you're going to get
a ticket. Okay, Uh all right, well, moving on. I'm
sorry let's start from the beginning.
Speaker 7 (14:54):
So the wife had an accident. We got the accident attorney.
He didn't respond. We got another attorney. This attorney he's
been dragging his speech. So we asked him to settle
the account for the twenty five thousand. He self dismissed
himself from the case. And then long and behold, we
found out he has the twenty five thousand paid out
(15:15):
to his account. Already. You know where do we go
from here?
Speaker 2 (15:18):
Okay?
Speaker 1 (15:19):
You call you all right, and he's withdrawn from the
case and he's still holding on the trust money, the
twenty five thousand dollars.
Speaker 2 (15:27):
All right, you call him up. This found out, yeah, okay.
How long has he been holding onto the money.
Speaker 7 (15:33):
Since June?
Speaker 2 (15:34):
Okay?
Speaker 3 (15:34):
How long?
Speaker 2 (15:35):
All right? Since June's four or five months? And he
withdrew from the case.
Speaker 8 (15:42):
When two weeks ago?
Speaker 2 (15:45):
Two weeks Oh, so he's.
Speaker 1 (15:46):
Been five months, got the money and then withdrew from
the case.
Speaker 2 (15:50):
Okay. I would call the.
Speaker 1 (15:51):
Office and say I want to speak to the lawyer.
They probably won't talk to you, because that's what these
people do. And then when you're in those circumstances and
you write them an email saying you withdrew from the case.
Speaker 2 (16:02):
I understand that you have twenty five thousand dollars paid
to you.
Speaker 1 (16:04):
I want my money now, and if you don't pay it,
the next thing I'm going to do is take you
to the state bar because that lawyer is in all
kinds of violations at this point.
Speaker 3 (16:17):
That was my assumption.
Speaker 1 (16:18):
Got it, Yep, that's absolutely correct. You are gonna be fine.
Just get aggressive with that lawyer. You'll get paid because
the state bar jumps right into these situations. All right,
Before we take a break, I want to talk about hurting.
And a lot of people call this show hurt but
I'm talking about physical pain, real serious chronic which means
it's there all the time, chronic pain. And if you
(16:41):
know someone, if you suffer from chronic pain, or live
with someone who suffers from chronic pain, which I do,
or treat people or just no people that suffer like that,
let me suggest listening to the Pain Game podcast. The
Pain Game podcast is hosted by someone who does experience
chronic pains, wife actually, and she lives at twenty four
(17:02):
to seven.
Speaker 2 (17:03):
Let me tell you how serious chronic pain can be.
Speaker 1 (17:05):
People kill themselves over pain because they just can't take
it anymore.
Speaker 2 (17:10):
So what Lindsey does.
Speaker 1 (17:11):
She created this podcast, the Pain Game Podcast, to deal
with it. And what she did she helps other people,
it helps herself in the process and has discovered that
this show that she has is about giving pain purpose.
I know that sounds weird, but believe me, this works.
That's the Pain Game Podcast. So wherever you listen to podcasts,
(17:33):
if pain or trauma is anywhere in your life, listen
to the Pain Game Podcast. You can follow on social
at the Pain Game Podcast, or just listen to the
Pain Game Podcast.
Speaker 2 (17:46):
This is Handle on the Law.
Speaker 9 (17:49):
You're listening to Bill Handle on demand from KFI AM
six forty.
Speaker 1 (17:55):
KFI AM six forty Bill Handle here on a World
Series Saturday, last day of the World Series Game seven tonight.
And the phone numbers. We do have lines open right
now for legal advice. Eight hundred five two zero one
five three four. That's eight hundred five two zero one
(18:16):
five three four. And we're pretty good, pretty good shape
phone call wise, because I go through a lot of
these phone calls really quickly.
Speaker 2 (18:24):
Some might take my time out.
Speaker 1 (18:25):
If I can make fun of you, if I can
humiliate you in any way, of course, I go walls
to the wall, and that one also just kind of
fun hearing the stories, because quite often it's not just
the legal advice which is terrible that I give. I mean,
that'll be the first one to admit my advice is
got awful. It's a matter of fact the approaches malpractice,
but it's also the backstory of how people got there,
(18:47):
and that usually and most of the times has a.
Speaker 2 (18:50):
Lot to do with where do I sit now?
Speaker 1 (18:52):
Of course, So the number eight hundred five two zero
one five three four. That's eight hundred five two zero
one five three four. Welcome back, Handle on the Law,
marginal legal advice. Hello Barbara, welcome to Handle on the Law.
Speaker 3 (19:09):
Yes, ma'am, Hi, thanks for taking my call.
Speaker 9 (19:12):
And I hope they're humorous enough. Not me, but what
the Homeowners Association has been doing that you can get
some laugh.
Speaker 5 (19:20):
Am.
Speaker 9 (19:20):
I homeowner of a condo. We use it as a
rental and we had a flood from common piping, documented it,
submitted it and they've been a nightmare since. Kind of
gone back and forth as offers, but at the last
agenda they decided to publish and slander me. So they
wrote my name, my address, the amount, which they knew
(19:44):
was erroneous because they had the offer in hand. And
then they wrote, should all owners pay for a complete
kitchen remodel for a rental unit? Then they wrote do
all owners get part of the additional five hundred dollars
a month rent a landlord can charge for a new kitchen?
So that went out to general membership. We wrote and
said this was actually incorrect and appropriate to speculate and
(20:08):
make these accusations. They emailed the new agenda but kept
this other one up to date to the state on
their website. We verbally at the homeowner's meeting said, do
you actually you know this is not actually correct? This
is clearly designed to bias and take it down, and
it's still up, so beside my suit. Beside my suit
(20:31):
which I have extremely well documented. They have a history
of this kind of behavior, so this is not the
first time they're doing it. They use words and agendas
like greedy homeowners. They used words like fear mongering, people
trying to exploit the association may as you as. They
have a kind of Trumpian president who starts off the
(20:55):
meetings with bragging about the financial status of the HUA
and the other four for whatever reason's bold. I have
no clue.
Speaker 2 (21:05):
What's your question? What's your question?
Speaker 1 (21:08):
And yeah, sort of it not really, I mean, you know, technically, technically,
technically it could be. But based on the fact that
this happens on a regular basis, do any and other
homeowners are tagged the same way? Does anybody pay attention
to those allegations? I mean, you get anybody that comes
(21:29):
to you and goes, oh my god, you're a horrible person.
Look what you did, Barbara, How can you do this
to the homeowner association?
Speaker 2 (21:35):
Do you have any of that?
Speaker 9 (21:38):
I haven't. But the other one who's been tagged like this, Yeah, well.
Speaker 2 (21:40):
Then that's what.
Speaker 1 (21:41):
It doesn't matter what you're talking about, your libel. It's
not someone else's libel. And the answer is probably. But
nobody cares. That's the problem. Nobody cares, Barbara. Your reputation
hasn't been influenced. Everybody just thinks you're okay. They know
this guy is a mini hitler. They know that, and
they've all received letters. That's just who he is. Would
(22:04):
a libel suit fly maybe kind of sort of, but
it's so remote. Just just go forward with your lawsuit.
Ignore the crap that's being thrown out and actually enjoy it.
Speaker 2 (22:21):
As a matter of fact.
Speaker 1 (22:21):
What you want to do is do a football pool
and ask the other homeowners, Hey, let's find out who
he's going to attack next time. How many minutes is
he going to brag about how brilliant he is? And
then more importantly, you run for office, and equally importantly
you don't elect him because the only way he's.
Speaker 2 (22:39):
On the board.
Speaker 1 (22:41):
Yeah, and how many people, well, how big is the
condo association? How many units were talking about?
Speaker 9 (22:46):
It's three hundred and sixty. And as soon as they
got the film with you, I'm headed over to a meeting.
Work stand up?
Speaker 2 (22:52):
All right? Good?
Speaker 1 (22:53):
You stand up, and you say And what I would
do is hand out copies of those letters to everybody
and say, hey, this is the kind of guy who
is running our association.
Speaker 2 (23:04):
And then he's gonna call that. He's gonna call.
Speaker 1 (23:07):
Me and and ask if Barbara you are liabling him.
Speaker 2 (23:13):
Just get get him off. Yeah, get him off. You're
gonna be fine. You're gonna be just fine.
Speaker 1 (23:18):
I would not worry about it what whatsoever. Hey, Johnny,
welcome to handle on the law.
Speaker 5 (23:28):
Yeah, okay, with Kaiser, I want to move over to Ppo. Okay,
I want to know from you the restrictions won't you
make that you go to Ppo? Do you have to
then stay with them for that one calendar year?
Speaker 2 (23:40):
You're talking about Kaiser or with a new Ppo?
Speaker 5 (23:44):
What's a new Ppo?
Speaker 2 (23:45):
That depends on what the Ppo wants you to do.
Speaker 1 (23:48):
It's that simple. You look at the policy and you
look at the new Ppo and you go, okay, I
want to sign up with you. I want to dump
Kaiser And now what, uh does? Are there any restrictions?
Is there a period of time before he kicks in?
I can't I measure a one year rule? That That
didn't make any sense at all, other than maybe if
you stim in with Ppo and they say it's going
(24:09):
to be a year before he kicks in, which I've
never heard of insurance company doing that.
Speaker 5 (24:15):
But but Kaiser, but Kaiser and Ppo? Uh, you know,
I'm going to make that I'm gonna cross over. And
so that's my point. I don't want to just stay
for one month. I want to be there for years.
Speaker 1 (24:29):
Yeah, that's what you want to do. So you just
switched from the from Kaiser Ppo to the new Ppo.
That's all You're changing horses mid stream, which you're allowed
to do.
Speaker 5 (24:39):
Okay, but right now there's a sign up time and
it's like October first to maybe the end of the year,
and then that's it.
Speaker 2 (24:46):
Are you talking about medic Are you talking about Medicare?
Speaker 5 (24:50):
Right, I'm on, sen I got it?
Speaker 1 (24:52):
Okay, Then you can only write so at this point
you can drop Kaiser. But this is cover it. This
is Medicare cover. This has nothing to do with which
organization you are with. Medicare pays for whatever plan you
are on, and you can switch. And what they've done
is say this is the period of time in which
(25:12):
you're allowed to switch, and we're allowing you to switch
with no hassle. There's no issue the other time. This
it's a Medicare issue. It's not a Kaiser and a
PPO issue. It's strictly a Medicare issue.
Speaker 5 (25:25):
Yeah, you're okay, you're clearing that up, correct.
Speaker 1 (25:27):
Yeah, And you can call you know, they have all
these advertisements you see on TV and you're listening to
radio and see the print and the billboards, et cetera,
that say, I'm if you have Medicare, we can help
you out and find out what plans are there. The
reason they do that, and they, by the way, they
do help. I mean, don't misunderstand. These are not scams
at all. What they do is they want to grab
(25:50):
you and put themselves and administrators under the plan.
Speaker 2 (25:54):
They're still legitimate plan. You're still a Medicare.
Speaker 1 (25:56):
But what they do is it's Medicare changes and it does.
Speaker 2 (26:01):
Benefits change year to year.
Speaker 1 (26:02):
Sometimes they stay the same, sometimes they are different and
depend It even depends on your zip code. That's how
complicated it is. Medicare is just a bitch to deal with.
The Yeah, it is, but go to one of these
places and it doesn't affect you at all. What it
does is simply affect them as administrators of the plan.
Speaker 2 (26:24):
You don't worry about it.
Speaker 1 (26:25):
Call one of these places and they'll tell you which
one and they'll help you with all of it. You're
going to be just fine, Okay, all right, you got it. Yeah,
And I wanted to clear that up Medicare. I've been
on Medicare now and it's weird stuff. It really is now.
Interestingly enough, I've been with Kaiser as you know, my
entire life. They tried to kill me a few times,
but they didn't quite make it. Although I've had friends
(26:46):
that were successfully killed by Kaiser, and Kaiser is also
administrator of its own plan. In other words, not only
do they provide the coverage, but they also administer because
under medica Care, there is an administrator for Medicare, and
so everybody wants to jump on that. That's why you
see these ads like crazy, and you only see them
(27:10):
during this period October one till the first of the year.
That's when the switch can take place according to Medicare.
This is handle on the law.
Speaker 2 (27:22):
Yeah, fine, Good morning, everybody.
Speaker 1 (27:24):
I'm takes six sertain and we'll scramble up here. Good morning, everybody,
handle here on a Saturday morning. World Series Game seven tonight,
and we'll see if the Dodgers or the Blue Jays
take this away. Dodgers hoping to repeat last year and
follow phone numbers. We do have a couple of lines open,
and boy, we're going through them pretty quickly today, which
(27:46):
is always fine. Eight hundred five two zero one five
three four eight hundred five two zero one five three
four and you will get right in.
Speaker 2 (27:56):
All what else?
Speaker 1 (27:58):
Uh, I'll tell you about that later the event Thanks
grilling event we're doing next Saturday at the Inaguin and
Miguel at the Wild Fork Store. But I'll do that
a lot later. By the way, good cough there say
I'm in the background. Love it.
Speaker 2 (28:15):
Eight hundred and.
Speaker 1 (28:15):
Five two zero one five three four. Welcome back, handle
on a law marginal legal advice.
Speaker 2 (28:23):
Dennis. Actually have a good question, Dennis, you're.
Speaker 4 (28:26):
Up, Hey Bill. I'll start with the question, do I
have any legal avenues to compel a county property tax
assessor to reassess my property after their assessment post purchase?
And then the explanation is the property was originally assessed
around two hundred thousand dollars with the prior owner. I
(28:49):
purchased it. They immediately came out and assessed it for
twenty thousand dollars more than the purchase price. I provided
compts that show that I actually overpaid for it. It
was going to be a marijuana grow, but that industry
tank at any event. It's been now two years. They
say they have a more than a three year backlog,
(29:09):
but my comps show this thing to be worth or taxed,
you know, basically in the two hundred and fifty thousand, Okay,
yeah you.
Speaker 1 (29:20):
Have you have a different Basically they owe you money.
You're overpaying on your property tax.
Speaker 2 (29:25):
So I have that right.
Speaker 4 (29:26):
Sure, they're they're assessing it at three hundred and seventy
five thousand dollars and the comps and the comp showed
it like two fifties.
Speaker 2 (29:33):
Okay, so I fair enough. So what you're doing is
you're overpaying.
Speaker 1 (29:37):
And what you've done is you are now applying for
a reassessment, which you are allowed to do under law,
and they have to reassess it. And usually people when
when comps show the property way undervalued based on what
they're saying, usually you win because that is the realistic assessment. Now,
the three year delay, there isn't much you can do
(29:58):
about that. That's backlog. It's a question of budget. It's
a question of how many people.
Speaker 5 (30:03):
I mean.
Speaker 1 (30:03):
Keep in mind that, for example, there's a fire that
takes place, the Palisates fire, and on the books, the
the tax is still the same. That property is worth
two million dollars, is still assessed to two million dollars
even though it's just a pile of firewood. And so
(30:23):
what happens is the application is made to reassess the
property and they're gonna win. And it sounds like you're
gonna win. And the good news is it's going to
be retroactive from the time you applied.
Speaker 3 (30:37):
Retroactive.
Speaker 1 (30:39):
Yeah, I think so. I think they go back. I
think from the time you apply, they go retroactive.
Speaker 5 (30:43):
Yeah.
Speaker 1 (30:44):
I do not believe because the backlog. I don't believe.
The backlog hurts you. And so what's going to happen
at the end of it all? You will get your
money back or you can roll it over to the
next tax bill. And I don't know if that's your
choice or not. I think it is, and you be fine.
You could always appeal it too. If you don't agree
with what they say, you appeal it. And by the way,
(31:04):
most homeowners win those appeals and win those assessments because
the values right there here are the comps there, they
are in front of your face, and you can't argue
of how long it takes because well, can you imagine.
Speaker 2 (31:17):
Let me, I don't know what county are in, What
county are you in?
Speaker 4 (31:21):
Well, this is an investment property in Humboldt.
Speaker 1 (31:23):
County up most Okay, all right, So it's so you
have the assessor's office in Humboldt County County and there
may be one guy and his Humboldt County, which is
the marijuana capital of the world. And so the one
assessor is sitting back and he's at the local in
and out burger if they have him up there smoking
(31:43):
a joint and having lunch for five hours.
Speaker 2 (31:46):
So you're going to be fine. You're going to be
just fine.
Speaker 1 (31:50):
And no, you can't do anything about the assessor's office
taking as long as it should. It is what it
is in terms of the revenue and in terms of
their resources.
Speaker 2 (32:00):
So not to worry, and keep on paying your taxes.
Speaker 1 (32:02):
By the way, do not stop paying taxes, because what
you're actually doing paying into savings account non interest. But
you're paying into a savings account. Oh, Fred, Hello Fred, welcome.
Speaker 8 (32:17):
Yeah, Bill, I've got a property line dispute. I had
the property surveyed by licensed surveyor and it shows that
defense that's there is in his favor when it's actually
my fence. So can I go on the property and
put the fence back?
Speaker 2 (32:38):
Well, all right, let me okay, let me ask okay,
let me ask you a question.
Speaker 1 (32:42):
Okay, how far into or how much property do you
lose up to the fence line?
Speaker 8 (32:49):
Three feet?
Speaker 1 (32:50):
He grabbed three feet and how big is that piece
of property?
Speaker 8 (32:55):
Three acres?
Speaker 1 (32:57):
Okay, Well, I mean I'm gonna ask the practical question
and then we're going to talk about the legal aspects.
How important is that three feet?
Speaker 8 (33:10):
Not really all that important?
Speaker 2 (33:11):
Okay?
Speaker 1 (33:12):
Is there any value difference in the property and the
value of the property essentially no right?
Speaker 2 (33:22):
Okay, so your damages are virtually zero.
Speaker 1 (33:24):
Now legally, do you have the right to build on
your property?
Speaker 2 (33:29):
Hell?
Speaker 1 (33:29):
Yes, Do you have a right to tell the owner
get the proper get get your fence off the property? Absolutely?
What kind of fence is it? Is it a block fence?
Is it just a wooden fence? What does he put up?
Speaker 8 (33:43):
Chain link?
Speaker 2 (33:45):
Chain link? All right? Do you like the fence?
Speaker 8 (33:50):
It's in bad shape.
Speaker 1 (33:51):
Okay, Well, then what I would do is let him
know you're on my property. Your fence is on my property.
Here's the survey, and I'd like you to move the fence.
And that means you get to put up your fence
or there'll be no fence. There's no law that says
you have to have a fence. So if he says
to go pound sand, he has to take it down.
Speaker 2 (34:11):
And now there's no fence.
Speaker 1 (34:14):
And does do you have any dogs or does he
have any dogs that eat people?
Speaker 5 (34:19):
I do?
Speaker 4 (34:19):
That's three.
Speaker 2 (34:21):
Yeah, yeah, I know what I would do. I'll tell
you what. I will tell you what I would do.
Speaker 1 (34:28):
As a practical measure, Just put up a fence on
your property and leave it alone. Put a a fence
on your fence line and leave it alone. Let him know,
the property owner, let him know, Hey, this is on
my property.
Speaker 2 (34:42):
Take down your fence. Make a demand.
Speaker 1 (34:43):
He can say yes or no, and you can take
it to court if you want.
Speaker 2 (34:48):
I don't know if I would take it to court.
Speaker 1 (34:51):
But you have to have a fence that in fact
holds your dogs in, because if you don't have a
fence and your dogs go out and start eating folks,
like eating little children, you have bought a.
Speaker 2 (35:05):
World, a world of hurt. Yeah, what kind of dogs
you have?
Speaker 8 (35:10):
Question quickly A German shepherd?
Speaker 1 (35:15):
Oh god, yes, And you don't have insurance.
Speaker 2 (35:18):
I'll tell you right now.
Speaker 1 (35:19):
Your homeowner's insurance doesn't cover your Doberman. Doesn't cover the
German shepherd.
Speaker 8 (35:25):
Got it all right?
Speaker 2 (35:27):
You have one more questions?
Speaker 8 (35:28):
Question quickly. Yes, I have a tree, a big tree
that's on my side of the property. However, one of
the branches, which is very large, is over on his
side of the property. If it breaks and falls down,
who has to clean it up?
Speaker 2 (35:45):
You do cut the tree.
Speaker 1 (35:48):
The branch property doesn't mean, but it's your tree that's
overrunning his property. You are responsible for your tree. Cut
that branch down. Just cut it down at the property line,
because then he calls me.
Speaker 8 (36:03):
It'll go immediately down on his property.
Speaker 1 (36:06):
Well, then you say, here's what you do. You say
to him, this is what I'm going to do. I
am going to cut this branch and my expense and
I want access to your home.
Speaker 2 (36:16):
If he says no, you make sure that that.
Speaker 1 (36:18):
Is all memorialized, that's all put in writing. And when
your branch does come down and do whatever property damage
to his place, you show hey, I offered and he
said no, I am not liable, And if he has
any brains, what he will do is allow you to
cut that branch down. But you are responsible unless he
(36:39):
says no. Unless you offer and he says no, and
then there'll be a suit anyway. But this is why
God invented insurance to begin with. So everybody's going to
be fine or they're going to get their assets to
shoo it off, or the dog's going to eat a toddler,
and it's going to.
Speaker 2 (36:55):
Be a lot of fun.
Speaker 1 (36:56):
All right, Just let me talk about your breath for
a moment. And if you don't have bad breath, you
don't want to listen to this commercial, because I know
you never wake up. First of all, you never go
to sleep and wake up with morning breath because you're you.
And I'm sure you don't drink coffee and have coffee breath.
And I'm sure you never eat garlic or onions or
anything that causes bad breath because you're unique. Well you're not.
(37:20):
The bottom line is, we do eat garlic and onions.
We do wake up and have morning breath. We do
have an issue. It's that simple because of the foods
we eat. So let me suggest dealing with Zelmon's Zelman's
minty mouth. I didn't say minty mouth. Mints, Well, they
are mint to an extent. These little capsules, these little
(37:40):
capsules of parsley seed oil that is covered with a
nice strong mint. So you pop two or three in
your mouth, you suck on the mint, and when the
mint part is finish, either bite into the capsule or
swallow them and they get to work in your stomach.
And a lot of people don't understand that bad breath
can come from your stomach too. The food goes down
and the acids hit it. Guess what it does its thing,
(38:02):
And what Zelman's minte Mouth does is take care of
both sides of that.
Speaker 2 (38:06):
No mint in the world.
Speaker 1 (38:07):
Does that fresh, clean breath, uh confident breath for hours
and hours. You won't find Zelman's at Trader Joe's or
at Walmart or at Costco. Only at Zelmans dot com,
Z E L M I N S. Zelmans dot com,
Zelmans dot com.
Speaker 2 (38:26):
This is Handle on the Law.
Speaker 8 (38:30):
You're listening to Bill Handle on demand from kf I
A M six forty
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