The Troubleshooter 5-30-24

Episode Transcript

(00:00):
Yeah, ripped news. Didn't needad that's who you don't have. Come
running just as fast as we can. Show Shooter's gonna help come Man Dix

(00:20):
is the Troubleshooter Show. No TomMartino, Hi, Tom Martino here,
Welcome to the show. Three ohthree seven to one three talk three all
three seven one three eight two fivefive. Welcome to the show. John
Fuller's with me today. Fuller Lawplus just a good all around nice guy

(00:40):
and bottle washer. And we alsohave your calls to talk about. And
man, has this show gone offthe hook lately? And I am so
happy to talk about one follow up? And I will salute the Adams County

(01:00):
District Attorney's Office and yes, BrightonPolice Department. But no, hold on,
now there's some qualification there if yourecall this case, Oh my god,
it was un believable. We'll talkabout this, the stolen truck,

(01:22):
the guy found at the courthouse,blah blah blah. And then what about
this murder trial. One guy,supposedly completely innocent, just shows up to
get furniture and he's attacked and hekills the guy with a gun which he
didn't own. He says he didn'tknow where it came from. The brother

(01:42):
the guy was killed. We're workingon that one. And then we have
a lot of other things going onnow, Kachina, to bring you up
to date. We had a guywe ended with with TAXI. Let's try
to get some of our tax peopleon. Remember Tony, did you get

(02:06):
his information so we could call himback? And then also we have I
want to get Brooke on from thesolar company because we have a solar issue
on the line. Plus she actuallyworked on two other solar problems that I

(02:27):
think are solved. So is thisthing working? Hello? Anybody hear me?
Could Sheena hear me? No?Okay, Shannon, can you relate
that information to her? I willdo what I can, but that's a
thick candy coating our tax expert.Please. And then what else? Hard
to say? Solar Brooke? Okay, I'm going to put it down on

(02:51):
call notes. Okay, no,I'll call it under show notes. Anyway,
Welcome to the show. Three zerothree seven one three talk Now,
another thing I want to talk about. I got new romantic lighting on mood
lighting. Now I toned it downa bit. Now, my YouTube morons,
you're never going to admit I lookgood. But how about if you

(03:14):
can admit it looks better than theprevious lighting or whatever. I digress.
Let's go to the phones. Threehothree, seven to one three talk Jeanette.
You have a solar issue, andwe're going to get Brooke on from
Red Rocks Solar, A roof andSolar to talk about some other issues as

(03:34):
well. But right now, what'syour problem there, Jeanette? What's going
on with you? Hello, misterMartino, can you hear me? I
sure, Ken, what is happening? I have learned so much by listening
to your radio broadcast and I thankyou for your time. Thanks. I
am a part of the city ofEdgewater and you live in it. Is

(04:00):
that what you mean you live inYes, I live in Edgewater and I
have a board position, not paid, but part of the sustainability group.
And what we have we met thisweek and we go through a number of
things to try to improve things inthe city. And our city has placed

(04:24):
the solar on top of the Civiccenter and that has gone really well.
However, the company that we haveutilized for citizens to utilize solar, and
that company is called Solar United Neighbors. Now, how did you find solar

(04:46):
How did you find Solar United Neighbors? And why would you as a town,
why would you make recommendations to onecompany? I do not know the
complete answer, but I suspect thatover this last year we had the energy

(05:10):
person within the City of Edgewater,again a non paid person, but someone
who works towards the city or beforethe city. I really don't know how
we ended up with Solar United Neighborsand maybe Okay, all right, so
anyway, let me ask you thisthough you said that Edgewater has been recommending

(05:33):
them. Are there problems with SolarUnited Neighbors. Yes. What I had
gotten at our meeting this week wasthere's confusion between the Solar United Neighbors and
then the citizens. And so I'mwell, tell me what's going on.

(05:55):
What's the problem? People would askfor information from Solar United Neighbors and there'd
be a a long wait to getinformation, and then the people on the
other end, they may not bewell trained because they're not getting information,

(06:15):
which, of course that becomes abig friend. Hold on a second,
Jeanette, just wait, I gota I got one of my solar experts
on brook White. She's with RedRocks roof and solar. They're doing a
great job. They really are.Now I trust them. So, Brook,
have you heard good Man? I'ma good woman. I mean good
good Brook, I said, goodMan, good bro Hey Brook, have

(06:40):
you heard of this Solar United,This Solar United Neighbors. Yeah, So
they typically work with solar gardens wherethey build big solar projects for communities so
that residents don't have to put solaron their home. They put it out
someplace else and then they do meteringon the bill. So solar gardens,

(07:03):
meaning that's what they do. Theyspecialize in solar gardens. Yeah, exactly.
So that way, the solar panelsdon't go on the home, but
the homeowner still gets net metering fortheir bill off that they just essentially purchase
a part of the solar garden.Okay, but that has nothing to do

(07:26):
with individual systems. Then what Idon't understand is why is Edgewater recommending Solar
United Neighbors. And now the namemakes sense. Solar United Neighbors. They
make basically solar fields and sell partsin them. So did you understand,
Jeanette, that's what it is.They're not individual systems. You know,

(07:46):
my area within the sustain No,I just need to know did you know
that? Did you know that's whatthey do? That's where the confusion is.
I'll bet you people are calling fora solar system and they're being told
they got to get their neighbors togethermake a solar array for all of them.
I do not know what has beencommunicated from the city regarding solar panels.

(08:11):
What I'm hoping for is I canget a phone number. I can
call Brooke on yes, yeah,and then she can speak with our energy
person. Because what's the problem now, what prompted the call today? Let's
put it that way. In ourmeeting this week, one of the topics

(08:31):
was the solar united neighbors and thatpeople in the city are confused by the
information or put on hold or notgetting what they need in terms of that's
easy, you just call someone else. I mean, for God's sakes,
there there can't be some kind ofan exclusive the city has. Aren't people

(08:54):
free? Aren't people free to callanyone they want? Depending on the HUA?
And I apologize for interrupting. Ifyou're within an HA, they can
restrict the solar insults for an HUAto three specific contractors. They can't limit
it to just one. But ifyou are in an HA, your AHA

(09:15):
may restrict to the contractors you canuse for the project. What about cities,
though, Brook, have you everheard of a city going with one?
No, No, they can't dothat. Here's what I'm gonna do.
I'm going to give you Brooks informationat red rocks and the website.
By the way, since you're onthe line here, you just get that
it's redrocksars dot com. But that'sa very basic website and you should talk

(09:39):
to Brooke. I mean, I'mnot saying it's a bad website, but
I mean for your intricacies and youwant to talk about this, I'm going
to give you her number, andit's again redrocksars dot com and it's three
oh three seven zero four yes,two four four nine excellent. Thank you

(10:01):
so much. All right, thankyou? Would you let us know how
it goes up? Brook? Andthank you Brooke. Hang on, I
got another couple of problems that youemailed me about. I want to go
over. Are you ready to talkabout those follow ups? Absolutely cool?
I want to do that. Threeoh three seven to one three talks seven
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(10:24):
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(10:50):
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oh three seven seven to one.Help. You'll think you're his only customer
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with Remax Alliance three all three ninetwo zero sixteen twenty two. Tom Martino,

(11:16):
your troubleshooter three O three seven onethree talks seven one three eight two
five five For the guy that textedme about sustainability, that's not the kind
of sustainability we're talking about. Forthat, you need viagresser, and even
that doesn't work in all cases.But I think you meant it as a
joke. But okay, anyway,three all three seven one three, talks

(11:37):
seven one three, eight, twofive five. Brooke White is with Red
Rocks, roof and Solar. AndI'm serious when I say this. She's
an expert and they have a goodcompany. Man. I'm glad we hooked
up on this company because I learna lot and I want to know about
these problems. First, let's recapthe ones you're working on for us and

(11:58):
what happened in them. So letme find the originals. What are we
talking about, Brook, Yeah,absolutely so Why in Alexis got a system
installed by one Solar in Valor andthat, according to Excel, is never

(12:18):
going to be able to keep.Now, now let me explain this.
When when they had this system installedOne Solar and Valor they both dropped the
ball. Now, by the way, Brook's not saying this, I am.
It was in October of twenty twentytwo. It should have never been
built there, and Brooke did say, if you do your due diligence,
you would know that. But insteadthey went ahead and built it anyway and

(12:39):
hooked them on this loan and itwas fifty four thousand dollars system. They
can't be activated, can't be used. That's the bottom line. So what
happened. Yeah, So by communicatingwith their Fridays in company and sending them
the PC or Public Utility Commissions investigation, the financing company was able to see

(13:01):
that this is never going to achievePTO and now they're in negotiations to get
reimbursed or taken off that long.So then after that we can figure out
how to get their roof fixed.Now, what about the system. What
happens to the system? It getsremoved? Yeah, so the system can
get removed and then we would startthen the next round of negotiations for removing

(13:26):
the system, returning the equipment,and then having the roof replaced. If
the one solar and or Valor doesn'twant to compensate the homeowners for the new
roof, then the equipment doesn't getreturned. The equipment could just get solved
to pace of the roof. Youknow, I can't believe the noise.
And again this is not Brooke,but this guy from Valor was so indignant

(13:50):
about my show about them and abouthow they dropped the ball and all the
multiple complaints we've had. He wasliterally indignant, demanding that he give his
side of the story. And Isaid okay, and then he said,
well, I'll get in touch withyou, and I reached out to him
a few times. There's no excuse, and he knows it. They are

(14:11):
a sucky company when it comes tosolar. I don't know about their roofing
division. I know that they suckwhen it comes to solar. They deal
with one solar. They suck,And I tell you avoid valor and avoid
one solar. They are, inmy opinion, sleazy contractors that should be
avoided. Okay, what's the nextone you worked on? Yeah? So

(14:35):
this other gentleman, he had what'shis name. Yeah, So this gentleman's
name is Jeff. His first systemwasn't producing a power, So we wanted
to a second system. Oh,that one was queer. That was weird.
Here's what happened. He had asystem sold to him that was undersize,

(14:56):
and it looks like they just wantedto get a sale, and so
he went ahead and did it.And then another company came and said,
hey, we can add some stuffto this solar system and some panels and
make it bigger and all of that. And this other company said they could
triple the capacity. Whatever happened withthat, Yeah, so it's clear to

(15:20):
show that nothing's been worked on thisproject for over a year. So I've
been in communication again with a financecompany and sending them the information and doing
the due diligence and by doing soor no and negotiations again, or the
loans either be completely dropped and thisand then being able to kind of do

(15:41):
the same thing that. Yeah,let me ask you something, Brooke on
this system. Did they ruin thesystem by trying to add to it?
Or is the original system still working? They ruined this system by trying to
add to it because the new systemdidn't have the approach rate equipment to attached
to the old system. And who'swho's the new company? Who is the

(16:04):
new company? I believe it wasShield Energy, But from all accounts,
those folks have gone bankrupt at thispoint. Oh man, you know what,
Yeah, I just can't believe theclowns in your business. I can't
believe it now now Shield Energy nowto be okay. So let me ask

(16:26):
you this tack you're taking. Whatis it all about when you go to
the finance company? What what areyou using as your hook? Yeah?
So mostly you're just describing the factthat the homeowners can either never achieve permission
to operate or it would be asignificant investment for the projects to be six

(16:48):
And most of the time, whenit comes to things that are outstanding for
more than a year to eighteen months, it's easy to see that there's an
issue within the contract. But whywould the finance company take the hit?
Why would they take the hit.They've already taken the hit in the case
of the individual who went bankrupt inthe other cases, so in that case

(17:11):
they can't get any money back.But for them to go after a homeowner
after this evidence, it would bebad pr on their end, especially when
the cost out of the bank reallyisn't that much. When it comes to
systems where the company is still activelyinstalling, as is the case with one
Solar, then again, the financecompany doesn't want to have that bad reputation

(17:33):
on their name or those bad reviews, because those do effect and if enough
complaints get filed then it can actuallycause issues within who they can send loans
to. Brook. I appreciate allthe help. Regulated. Yeah, so
sorry, Tom, no go ahead. So solar is such a highly regulated
industry because there's so much federal moneyin it. I mean, it's sustidized

(17:56):
by the government at a pretty heavyrate. I think everybody can agree to
it. So lending companies have toadhere to bridget CODA. That's why,
by the way, redrocksars dot comif you want to get a hold of
Brooke, if you're thinking about asystem, even commercial systems, they have
grant writers that can get some ofthem paid for. Three three seven zero
four two four four nine is theirnumber, redrocksars dot com. Now,

(18:19):
John Fuller, have you ever heardof any other industries? Now, John,
of course is a personal injury attorney, but he's here as an expert
as well. John, have youever heard of where finance companies get in
the middle they finance something, thecompany doesn't come through in the breach of
contract. It seems to me,in a pure world, you still have
a loan. Yeah, that's kindof scary that they can unravel that kind

(18:42):
of after the fact that that almostsounds like they have protections that most finance
companies really don't. Yeah, Ithink it's because of the solar business.
Maybe when you get it now,I know there was some there were some
I'm trying to recall there were someother industry I remember over the years where

(19:02):
people had loans and the contractors wentbelly up and the loans were forgiven.
But I think they were cases wherethe contractor had a white label finance company,
so they kind of financed it throughtheir own company, like they were

(19:22):
an agent for the finance company.In others, it was almost like it
was their financing, you know,like you come with us, you get
your own, we have financing foryou. And in those cases they were
homeowners. This was years ago.We're able to because of the breach of
the contractor who was also an agentfor the finance company, they were able

(19:47):
to get out of the loans.Does that make any sense to you,
John, No, not really.But you know, it's almost like student
loans that are not dischargeable in bankruptcy. You know, it's not exactly like
they're the only industry that had pas out there. And with the exception
of the federally subsidized stuff that they'renow trying to forgive, people have for
years never been able to get outof student loans, even though they were

(20:11):
demonstrably predatory and ridiculously overpriced in comparisonto the value you got. So now
I believe there were some cases withtrade schools where people got student loans and
the trade schools went out of businesswhere they forgave the student loans, and
again they were more or less going, you know, accompanied by fraud,

(20:32):
though. I mean that that waskind of the argument that they were victims
of fraud and that the lenders wereyou know, were in on it.
They were colluding with the schools intuitionand and kind of write these loans so
that they could take these huge loansout. And the schools were getting you
know, massive amounts of money comparedto the you know, watermelon farming degree

(20:55):
or whatever they came up with.I mean, they were, they were
in on it, and so theyI kind of deserve to not be able
to maintain the fruits of their youknow, illegal activity. Okay, that's
John Fuller Fuller Law. By theway, we have more coming up,
and I just want to say,I guess I should feel privileged John and
company. And I'll tell you whyI'm getting emails now from Robert de Niro.

(21:19):
Well, that makes total sense.I mean, a man of your
stature probably runs in those circles.No, but I think everyone is because
it's it's addressed to kind of likea bunch of people. And it's about
Biden and what a good man isI mean, since when did de Niro
become such a political animal? Mygod? Anyway? Three oh three seven

(21:41):
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(22:02):
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(22:27):
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three all threeseven seven to one help. You'll think
you're his only customer when you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree all three nine two zero sixteen twenty
two. Hey, I'm Tom Martino, your troubleshooter three all three seven one

(22:53):
three talks seven one three eight twofive five. Let's talk to Andre about
a truck and the truck by theway. And then John, of course
wants to talk about now a masscat killing. And then Michael he lost
his cell in a lift by theway. Similar thing happened to Mark.
He went to small claims court andwon. It wasn't lyft. I don't

(23:15):
think it might have been the otherone anyway. What's going on? Andre?
Hey man? Good man? What'shappening with you? All right?
So I took your advice last week. I got rid of that shrug.
Now let's talk about this, okay. I want to bring people up to
date. I'm looking for your originalcall. So why don't you start?

(23:37):
What was the original problem? WhileI look? Oh, here it is
the two thousand and seven GMC SierraTurbo diesel from AutoNation. In July of
twenty twenty three, you signed acontract you did not read, and on
the contract was a five thousand dollarswarranty that you paid for one week later.
You drove it and had multiple problems. So far you've spent thirty seven

(23:59):
hundred in repair. And as Iremember, what they said was a covered
part was failed, but it wasfailed by an uncovered part, so they
wouldn't cover it. Is that whatthey said, Well, they wouldn't cover
it because they didn't lift the liftkit or the turbodiesel motor when they wrote
up the warranty. Oh wait aminute, Wait a minute, wait a
minute. Then then that I don'thave that in these notes. If they
sold you a warranty you couldn't use, they should give the money back on

(24:23):
that warranty. And you know what, Tommy tipped me a little bit,
but getting it back one hundred percent. They were trying to pro rate me
for it. Oh my god,Well no, no, you make the
argument you're not going to pro eightAnd I'll tell you why you could never
use it to begin with. Oh, that's what I explained to him.
And I had to get ahold ofa couple of different managers and could toss

(24:44):
around a little bit. But they'regiving me a hundred percent refund on it.
And you guys were on the moneywith that transmission issue is about nine
grand a fix. So got ridof that truck, got a brand new
Infinity with by the way, threeyears free maintenance. Man, and and
you got and you're getting five grandback. I am so happy you called
this, Andre, really, man, I'm really happy on that. That's

(25:04):
cool, so so so everything couldanything else to report? Man? Thanks?
You guys should looking for a vehiclein any different place to go?
Man, seriously, the okay,don't have to worry about you know,
you're not caring about their reputation isripping you off? I know, I
know, man, it's it's ait's a rough world out there when you're

(25:26):
shopping for a car. But listen, thank you very much for call Andre.
I appreciate it. John Fuller,what do you think about that?
I've always made the argument if thedealer sold a warranty that could never have
been used because the dealer did notlist the disqualifying features, which are after
market things, don't you think it'slogical they would have given that money back.

(25:49):
They should. Yeah, I mean, if you think about it,
because it's almost illusory in nature.It they sold you something that under you
can't use it. It was goingto cover all this stuff. Yeah,
exactly. I mean, here's thedeal. Whenever you get an extended warranty
people from a dealer, the dealeris obligated to represent that vehicle accurately to

(26:11):
the warranty company, but you don'tknow if they did or not. You
might have a lift kit on it. You might have aftermarket turbo, you
might have a supercharger. Whatever youhave. It might negate that warranty that
you just paid for, but youdon't even find it out until you have
a problem. Theoretically, you couldhave never used it. You get your
money back, but the better thingis don't let it happen. Andre,

(26:33):
I appreciate we're going to add fivethousand, maybe even a little more to
our uh our total of money recoveredin cash, merchandise, exchanges, refunds,
and services. And I want totalk about Michael. Yeah, yeah,
thank you for thank you for pullingout my dinger. I appreciate that.

(26:55):
I should have I should have doneit. I'm always looking for the
one talking about sustained ability and stuff. So yeah, that's right, that's
right. Hold on, let mesee it was fairly in play, I
believe. Yeah, did you hearmy dinger? I got it? I
just did it. Okay, Solisten, let's talk. Let's talk what's
going on Michael and the lift cellphone. I think Mark would be happy

(27:17):
to hear about this one, becausehe uh yeah, I can you hear
remark? Yes, sir, Ican hear you. Yep. Excellent,
excellent. So it's been a week. Last Thursday I ran several errands and
at the end of my day Ididn't pay attention and I left the phone
in the lift and the normal contactprocedures and none of them worked, such

(27:40):
as a phone number going directly tothe driver. And then after the five
days of pounding the number and emails, I'm getting no results. Other things
they have fund me confirmed that thedriver does have my phone, but that's
all they're saying and asking me tobe patient. Of course, I've sent
them my address and that type ofthing several times, and I have some
relatives helping me hammer the email aswell, but I'm not getting any results.

(28:07):
That's why I was hoping, Well, did you do the small claims
court? No, That's probably whatI'm going to have to do to get
my ounce of brush. I mean, I'm going to end up going well,
and that's not going to be thatmuch trouble Mark. Here's what Mark
says whenever he files a small claim. It all and I've watched him,
Man, I don't even I lostcount. But here's what he does.

(28:27):
He'll file it, he'll serve it, he'll get a phone call, and
they'll settle. He has never goneto court with any of them. I
would love to know that procedure.Well, here's what you do. The
very first thing is you go doyou look for their registered agent and you
serve them. It's that simple.They have a registered agent and you fill

(28:49):
out, you fill out the smallClaims Court form online, well, or
you download to fill it out.You serve them and then you do it.
But you have to have a reason. So what is your reason?
If you lost your cell phone?How are they responsible? Mark had a
hook on his There was a reason, Okay, he believed. I forget

(29:11):
what they did, but in anyhaste, go ahead. Well, I'll
tell you what it is. They'vethey've made it impossible to recover your lost
merchandise. The phone number that theyhad that was supposed to go directly to
the driver was not connected to thedriver. And then after five days of
founding that number it finally said thisis a list number, but it's not

(29:32):
in service. So again, goingthrough the email system that they have set
up, I'm talking to a bot. It's truly obvious because I've given them
details that I lot, what kindof phone it was, what time of
day, who the driver was,and then the response was Kyle, who
was your driver? That's not whatI need to know, you know,

(29:55):
So I sent by again, Isent my home address. I've even offered
one hundred dollars reward, and Ijust can't get it back. Well,
okay, so go ahead and doyour thing. I mean, I don't
know if I don't know, ifI don't know if it's going to be
recovered again. Mark is working onour referless and other things. I would

(30:17):
ask him, and if he's listening, maybe he'll text me on the hook
he used to get to sue them. But if you just leave your phone,
is it their fault? But thenyou have another hook here and you're
saying it's their fault because there's noway you can even get it back.
I don't know if that's legit ornot, but try it. Try it.

(30:38):
Three oh three seven one three talkyou know something else you should try
Frank Ran the real estate man andhis market analysis of your home. We're
going to be hearing about that comingright up, and I just want to
say something about Frank. Okay,this time I don't normally talk about He
has the buying side, which isphenomenal if you're looking for deals. They

(31:00):
do buyers agency as well as sellingfor people. Three oh three nine two
zero sixteen twenty two. Go witha sure thing Denver's best rufer Excel roofing
dot com. You don't pay acent until you're content. Time for an

(31:22):
insurance check up free no obligation comparisoncall Compass Insurance paying too much your coverage
at dozens of insurance companies find outnow three oh three seven to seven to
one help. You'll think you're hisonly customer when you choose Frank Durand the
real estate Man dot com to listyour home with Remax Alliance three all three
nine two zero sixteen twenty two.Hi Tom Martino, your troubleshooter three all

(31:48):
three seven one three talk. I'mgetting various comments about my, uh my
new lighting. You know, Stephaniesays ton that other lighting's a little bright.
I think she saying it highlights metoo much, and you want to
hide some of that program. Soanyway, I tried the natural light,
but people are saying it shifts andturns. That's the That's because the monitor

(32:09):
behind me. So the monitor reflects. You know, it has different lighting,
like the white in the middle orone of them has black in the
middle. So that's why it lookslike the light's changing. Anyway, I
don't care. It's YouTube. Whatdo I care my morons and downloads.
So I want to I want totalk about this mass cat killing. John.

(32:31):
What the hell are you talking about? John? I told you about
it two months ago. Oh,I remember you called. Yes, I
remember you called and said that itwas even sanctioned by the city. I
think you said your deputy broke threepromises in failing to return my phone calls.

(32:51):
I need to know. I needto know what you're talking about,
Like, what what deputy did Iput on this. I'm trying to find
the call email which I sent.I sent and you haven't replied. Okay,
but hold on a second. I'mtrying to find the call. Give
me a break here, man,Okay. I mean, it's not like
we don't have problems everybody. Youdon't let people finish their stories. Just
no, that's not right, that'snot right. I'm not interrupting you.

(33:14):
I'm not right. Go on on, no, let me finish. What
are you talking about? Go on? Say it? Last sun I have
no idea what you're talking about.I talked to you about this two months
ago. I know what. I'mjust kidding. Go ahead. Last Sunday,
two of our key witnesses were killedin a suspicious house fire, and

(33:35):
they were suing the owner of asustain a minute crack house next to theirs
that burned was destroyed by Wait aminute on the inside. Are you telling
me that people who are killing cats? Oh? Do? Will you stop
interrupting me? Are you you know? Hang up on this asshole? Hang
up on them? How about that? You're a nut? Don't call back,
and don't tell me how to runthe show. The reason I'm interrupting

(33:58):
you is because you're trying to makeit sound like the town is killing people.
Now for complaining about cat killing,you're a crazy person. Goodbye.
Go with a sure thing Denver's bestroofer Excel roofing dot com. You don't

(34:22):
pay a cent until you're content pleadtime for an insurance check up free,
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three o threeseven to seven to one help. You'll
think you're his only customer when youchoose Frank durand the real estate Man dot

(34:43):
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two ripped us so you don'thave come running just as fast as we
can. Shooter's gonna help come.This is the Troubleshooter Show. No Tom

(35:12):
Martino, Hi, Tom Martino herethree oh three seven one three talk three
oh three seven one three eight twofive five. Welcome to the show.
What is going on in your life? We love doing this show because we
make a difference. We really do. This hour brought to you by Denver
Regen dot com. Speaking of makinga difference, they also, you know,
these are things we don't talk about. They have the hair enhancement and

(35:37):
replenishment or whatever you call it restoration. Now they can do it with just
thinning hair. I've been threatening totry. Who the hell knows anyway.
They also have the weight loss DenverRegen dot com and extraordinary prices. The
weight loss is two fifty a monthDenverregen dot com. So okay, so
Diane wants to talk about Nextdoor.I just want to say one other thing.

(35:59):
I'm not gonna keep doing it.I'm not going to keep doing it.
I mean, I'm saying that myshow is run a certain way because
I need certain information to help people. Now, I think I should be
probably more aware of some people justtuning and not knowing what I'm doing.

(36:19):
If I let I just have toexplain this, I swear to God,
not most people, not all people, But if I let most people simply
tell their story, I will neverhear what I need to hear. With
most people, I will never hearwhat I need to hear to solve the
problem. Now, to a certainextent, I want to hear some of

(36:42):
the story, of course I do. But then I need details that I'm
not being told. I'm being tolddetails I don't need, and many times
there are details left out. Sowhile they're telling the story, instead of
listening to the whole story, whichcould take an hour, but no,
in reality, it could take fifteenminutes. We just don't have fifteen minutes,

(37:04):
So if I listen to that wholestory, then have to go back.
It's better if they say I boughta car for my son and then
I moved to Ohio. Well,it would be nice to know when he
bought the car, what kind ofcar, and what does moving to Ohio
have to do with it? Soit doesn't always make a full circle.

(37:27):
And I'm serious now, I'm notkidding around. When I let people tell
a story, it just doesn't Okay, that's just life. And it's easy
to listen to me and say,well, why don't you do it this
way? And why don't you doit that way? But now I'm just
gonna be a little bold here.No one can argue with my track record
for success on solving these things.Now, we can't solve everything. But

(37:52):
please stop telling me not to interrupt, because what I'm going to tell you
is don't call. Just don't call. Now. I don't want to be
root and interrupt. I don't callyou names. I ask for clarifying information.
Okay. Now, Now, bythe way, John Fuller, when

(38:13):
you have a client, tell youthe story, tell me the God's honest
truth. Now you are in adifferent position. You're not on the radio,
you don't have to hit a braake, you don't have to get a
certain number of calls in. Soit's a little different. But but you
know how people think after years ofdoing this, don't they tell you ninety
percent of the stuff you don't need? Well, they definitely tell that.

(38:37):
You know, things are important topeople for reasons that don't always have to
do with how that's what it isto the office line, you know,
so you have to be respectful ofthat. But I mean, I ask
a lot of questions when I dointakes and I talk to clients. I
I you know, I feel likeit's incumbent on me to get all the

(38:57):
information so that I can give thebest advice that I can. But but
I've also found that you you,you know, listening is an important skill,
and when you're talking sometimes you missthings that people say. So I
try to really balance it between listeningand asking really good questions. Good that
that's and that's what should be done, actually, uh to get enough information

(39:19):
to solve a problem. And Idon't think I ever once asked an irrelevant
question ever, of course, notno, I mean no, But but
that's what I'm saying, so whenI ask a question, there's a reason
for it. There's always a reasonfor it. I even I've even had
peers. I've even had people say, well, that has nothing to do
with it. I swear to God. And then and these guys listening,

(39:43):
Shannon will take There'll be people saythat, well, that has nothing to
do with it. And then towardthe end of his call, it had
everything to do with it. SoI go back to what I originally asked.
Anyway, I don't care. Let'slet's look at like I said,
I have fun doing this. Idon't want to turn it into like a
challenge for people. Have fun.But when I ask questions, don't be
insulted. Diane, what is happeningwith next door? Yes, Tom,

(40:07):
I saw this girls. I sawthis girl's ad on next door. She
was advertising and she's looking for likeany type of labor work. Okay.
I call her up and she tellsme she has a regular job and she'll
come to meet me, like atfive o'clock. So she comes and then
she says, okay, I canwork till dark. So she works for
three hours. She takes some thingsout of the yard because the yard got

(40:28):
badly damaged during the hailstorm. Lotsof furniture got broken and things needed it
cleaned up. So she took thoseitems to the curb and everything, and
I told her I'd be happy tohelp her, and she agreed to one
thousand dollars cash to do the yard. Now did she have a business?
Was this a commercial advert, advertisementor just a post? She yeah,
that's that's the word. She postedon next door that she just as an

(40:52):
individual. Right, it wasn't anad. No, yeah, I guess
I use the wrong word. NoteNo, No, that's okay. So
she was posted as a person sayingI need work. You gave her work,
Let's keep going. What happened then, right, gave her work?
And the first thing within the firstten to fifteen minutes I met her,
she said, can you get mehalf down? And I was like,
no, I can't give you sixhundreds. She said, can you give

(41:14):
me six hundred dollars? I saidno, I can't. I've just met
you. I don't know the qualityof your work. I don't know anything.
I said, No, I don'tpay upfront. I said, you'll
be paid in full. Well,how do I know you're maybe going to
cheat me. I'll do the wholejob and then you won't give I said,
no, I'll be happy to giveyou something in writing. You will
get paid. I don't do thatto people. So she kept on,
Oh, I lived so far,I lived my Cheyenne Road and list.

(41:36):
So the next day she came again, and she says, could you please
just give me four hundred dollars.I've got to have it. I have
a small child. So I saidno, I told you there's no money
up front. It just what I'llwork with. You will do the job,
and when it's done, you bepaid in cash. Nope, nope.
She kept harassing me. I'm asenior citizen. She kept bugging me.

(41:57):
Finally I went to the bank andI got her four hundred dollars,
came back, gave it to her. She counted it, and within minutes
she started going, I can't workanymore. I have so much dust.
I have to go buy a mask. Well I've never seen her since,
of course, not, of course, of course not. Okay, that's
wonderful story. I feel really stupid. Yeah, I feel really stupid.

(42:21):
It's like she took candy from anold baby. It's like, okay,
she kept working on me thinking,well, how much time did she actually
put in that you paid the fourhundred day? It's not a complete loss,
right, how much time did sheactually work? She worked the first
day about three hours, from aboutfive to eight. By working, I
mean carrying broken stuff off to theto put it by the curb. So

(42:42):
you paid her one hundred and thirtythree bucks an hour, thank you?
Well, no, I didn't.I said one thousand dollars for the whole
entire backyard. I understand. Sohow many hours did she put in the
second day? The second day shecame and she worked. Well, from
what I understand, I had anotherperson working here, he said the minute
I left for the doctor. Thatyou Well, how many hours? How

(43:05):
many hours total did she work?Total? Total? She made everything from
the time you met her to thetime she took off. How many total
hours did you get for your fourhundred bucks? Probably eight or nine totals.
Okay, so it's not a completeloss. Well no, but it
feels like but you're never going toget your money back. That's the way

(43:27):
it works. I mean, well, I got it. Tell me how
you would, Diane? Tell mehow you would? I mean, I
can do a lot of things,but I can't do miracles. How would
you get your money back? Whatare you proposing? Is she still on?
Is you can? You can goon next door and rat her out.
No, I didn't give her name, but I posted what happened to
me. I got almost two hundredresponses from people, even from lawyers and

(43:47):
from even a doctor. They said, call the police reported as a step
from then. I love lawyers.Lawyers are morons, sorry, John,
most of them are. Here's whatthey do. I love the way lawyers
to try to quell people and makethem feel good. Oh yeah, oh
you should call the DA hilldo oryou should call the police, or you

(44:07):
should you know? Or I lovewhen they say this. Well I would
take you have a good case,but I can't take it. I'm loaded
up right now. So listen,here's what I'm saying. There's nothing you
can Okay, call the police.Then how about this. I always say
life is its own teacher. Soinstead of listening to me, do what
they say and see what happens.Call the police. Well they should call

(44:30):
the police. Go ahead, didyou then? No, I haven't done
it. I wanted to call youfirst, and then you're not going to
even get them to take a report, but go ahead. Then they said,
call Department of Adult Protective Services becauseI'm going to be eighty one years
old. So this is abuse ofthe senior. Now that might be it's
it's called something. It's a personoh a risk adult, and that might

(44:51):
do something, but they're still notgoing to investigate. They're not. That
does. What it does is itbecomes a sentencing enhancer if they charge then
with theft, so it be theftagainst an at risk adult. But still
the reality is they're not going totrack this person down. Now there's very
little, you know, very littleability of them to do it, and

(45:12):
they're just not going to. Let'sput it. Let's put it to you
this way. That woman can walkinto a store and take a thousand dollars
worth of stuff, never be stopped, and walk away. So why are
they gonna go after her for fourhundred from you, especially if she worked
nine hours, because you're gonna havea hell of a thing. You're gonna
have a hell of a thing firstof all, to prove she had the
intent to defraud because she worked ninehours, there's nine or ten, so

(45:37):
there was somebody could argue, well, she wanted to finish, but really
she did have a problem breathing.Maybe she's dead somewhere. No one listen,
Diane. I know at eighty oneyou don't want to hear this,
you really don't. But no onecares about that, and no one's gonna
do anything. I care about it. I think you should give her name,
phone number or whatever you have.I last it all, gave it

(46:00):
the next door. What is hername? Her name is Esmeralda gett A
g u e r r A.If you'd like her phone number to call
her up. She won't take anycalls to text, and she's very nasty,
is it g u e r rA. Yes, Esmeralda Gara gu
just rolls right off the tongue.Yeah, okay, yeah, And I

(46:20):
have her phone number if you'd likeit. But lots, I'm on the
fixed income and I'm on Social Security, and I can't afford to just be
pissing away four hundred. I don'tblame you. Hey, I have a
question, Diane, this is doc. Do you pay her? You paid
her four hundred dollars to nine hours? How much? Well you're going to
pay her? I mean, it'sforty or fifty bucks an hour, So

(46:44):
it's not totally repay her one thousanddollars. It was by the job,
not by the hour. What's okay, by the hours? Yeah, I
understand that, but but but itdoesn't matter if how long how many more
hours do you think it would havetaken her I was working? I don't
know because if we only got started, what do you mean how much of
the job about Let's put it thisway, how much of the job was

(47:04):
done fifty percent? No? No, no, no, no? How
much five percent? Holy only sheonly if nine hours equals five percent,
Well, let's do it another way. But if she did five percent,
Okay, this doesn't make sense tome because if she was on the job

(47:27):
for ten hours got five percent down, that means it'd be one hundred and
eighty hour job for one thousand dollars. That's that's what I'm getting at you.
That's what I'm getting at It wasunreasonable to begin with. Well,
even stil that's five dollars. Thatwould be five dollars and fifty five cents
an hour, So I mean,you have to recognize thee I understand that,

(47:49):
But if she only did five percentof your job, and it took
her nine hours that equates to thetotal job would be one hundred and eighty
hours, which really for one thousanddollars equals five bucks an hour. John.
But on your assumption that's if shewas working honestly for that, you
know, at the same pace,at the same time. I get it,
but cut it in half. Sayit's only a ninety hour job.

(48:10):
There are very few ninety hour jobsthat people would take on for a thousand
dollars. And it was very kindof awed by the job it was.
Were not listen. I understand that, I'm not trying to make you feel
bad, Diane, but but youdidn't get that ripped off. You got
ripped off, but it wasn't asterrible. I mean, they could put
it differently. Let's say you didget a da to give you the time

(48:32):
of day, and listen to thiscase, and if they sat down and
did an analysis and said, youknow what, this lady got paid,
you know, four hundred bucks fornine hours of work, and maybe you
could argue that that was a bitovercompensated. But in the grand scheme of
things, she did do some workfor you, and she did get paid
and What you really have is adisagreement about the hourly value of her work,

(48:54):
which they would tell you is acivil matter that you would need to
go after her. Since and Idon't want to make her feel bad,
but since she's splitting hairs here andsaid the whole job was one thousand dollars,
let me ask you something, Diane. What if she says no,
it wasn't. Do you have acontract? Yes? She vote. She
signed the contract with me, andI wrote, you're smart, and it

(49:15):
says it says she would clean upthis thing for Yes, it said she
will do yard clean up for onethousand dollars cash and that I gave her
four hundred and then she signed it. I gave her four hundred dollars cash
and a balance of five hundred andeighty dollars because she also asked me for
gas money, so I gave herthat too, So I really gave her
four twenty. And like I said, I told her, I'll work with

(49:37):
you. Obviously she doesn't know whatto throw out and what not to throw
out in the yard. Maybe Ihave something that Listen, Diane. My
suggestion is, don't do it thisway anymore. Don't go to next door,
don't go to Facebook marketplace. Allof these are just a breeding ground
for ripoffs. They really are,they really are. Okay, well,
I'm really sorry this happened to you. If any you know how much more

(50:00):
how much junk do you have outin your yard? It can't be that
much, is it. No,it's not dunk. It's stuff that got
broken, like tables that got poundedwith big hail. We had, Oh,
I get its. Yeah. Butthen so my insurance company said,
I need a picture of each ofthese items to be able to compensate you
for tables with big holes in them, chair, everything just got pelted.

(50:21):
So that's why I needed help.I can't do it all myself. It's
too much. I can't lift.At the insurance company a lot on an
amount of money for cleanup. No, they just said send us whatever got
broken, like your flower pots andyour table. They didn't they didn't have
any money for cleanup, just forreplacement. Yeah, no, they didn't
offer anything for cleanup. I toldthem I will get somebody and then I'll

(50:42):
photograph each thing and then we'll carryit out to the garbage. So that's
what her and I were doing.I was taking you at least you got
reimbursed for the stuff that was destroyed. Right, No, I didn't get
reimbursed. I just started just thishappened a couple of days ago. I
just started doing this. I don'thave but they will reimburse you, right,
they will reimburse you. What insurancedo you have, Diane sank Co.

(51:05):
Yeah, you'll get your money forthat stuff. Yeah. Well,
I mean I hope I do.Then I can continue to find someone you
know and write. I think thatthat's the good news. I think you
can. I think you can now, Diane, thank you for calling.
There's not much we can do foryou. Man, this person is in
the wind. I mean, Idon't think there is anything. Shannon,

(51:27):
did I take fifteen or not?Hey, I have to help me out
here. Okay. So on thatnote, we're going to take a quick
break. Three oh three seven onethree talks seven one three eight two five
five Go with a sure thing Denver'sBest roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,

(51:53):
no obligation. In comparison, callCompass insurance paying too much your coverage
at dozens of insurance company find outNow three all three seven seven to one.
Help. You'll think you're his onlycustomer when you choose Frank durand the
real estate man dot com to listyour home with Remax Alliance three all three
nine two zero sixteen twenty two.Hi Tom Martinez, you're troubleshooter three oh

(52:22):
three seven one three talks seven onethree A two five five. All right,
So Diana, what's happening? Youhave something about wages you called a
couple of weeks ago. It's theonlimate issue. Okay, I'm looking for

(52:43):
it. Danafication, Oh what happened? Did you? Is this where they're
trying to collect from you? See, because they say they say that you
filed for unemployment and you never didnot for the time that they're saying I

(53:07):
did. Now, I thought wewere going to send this to our person
over at I thought we were sendingthis to our person over at unemployment.
Didn't we do that? No?So she actually sent you. You wanted
to see the paperwork first, Sothere's like thirty individual emails that are pictures.
So the the Unemployment Division got ajudgment against you for benefits that you

(53:30):
got through fraud. They say,and she said she never got any of
those benefits. Why can't we justsend it to Phil though over at Unemployment
Division. I don't have a notehere. There are literally thirty different emails
Tom that were forty Oh okay,you're talking about thirty emails from her?

(53:53):
Correct? Why did you send usso many emails, Diane? Because she
had to take pictures of them?What are what are these? What are
these emails asking you to do nothing? Basically, it's the it's the paperwork

(54:15):
that I got. Oh, it'snot an email. You're just send us
an email of she scanned the paperwork. Did you send this? When did
you send it to me? Kachina? Must have been earlier? Uh?
Probably last week. I'm sorry.Okay, there's literally thirty emails and they're

(54:37):
all in one after another. Ohgod, okay, I could I could
see that? Can you just giveus one? Can you just is there
a way we can just see thelatest one? What they how did they
get a judgment? Did you goto did you go to a court appearance?
Yeah? Well I didn't go toa court appearance. I called in

(55:00):
okay pretty much? So there therewas hold on, hold on, hold
on, So there was a hearing, yes, and it was a telephonic
hearing. You just appeared by phone, yes, And did you what did
you say? Did you say tothem you never ever got these benefits?

(55:22):
Yes? And I said that Idid not call in for them. And
and then the other side put ona case. What did they have is
proof you got them all? Honestly, the only proof that they have uh
for them is the emails that Isent you. That's the only thing that

(55:42):
they Yeah, I don't I don'tget what you mean. How could those
what do you mean what proof didthey have? What proof did they have
that you got checks or you gotbenefits? What proof? I don't know
that. That's what I'm trying tofigure out. But you lost in court.
The judge ruled against you. Theremust have been evidence the judge ruled

(56:07):
against you. Yees. Was ita hearing? Was it a real court
or was it a hearing with unemployment? Where? What was it? It
was a sharing Unemployment showed up withtheir witness or whatever. And then,
like I said, they sent methis paper work. And now how much

(56:29):
are they trying to how much arethey trying to get from you? Right
now? Well, it's short atfifteen, fifteen hundred, fifteen thousand.
Anyway, it's gone, Saint well, hold on, there's a big difference,
Diana, there's a big difference.Is it fifteen hundred or fifteen thousand?
Fifteen hundred? I'm sorry, oh, co Well, don't be sorry.

(56:50):
That's good. It's only fifteen hundredas opposed to fifteen thousand. Well,
no, one, not to threethousand, Tom. And it's going
to keep going. And here's theworst part of it. You want to
know the worst part of it.You're not going to be able to bankrupt
out of it because it's fraud.John, John Fuller, what do you

(57:15):
think that How do you think theyget a judgment? I mean they had
to have something. Yeah, theyhad to actually bring some sort of an
action against her, and she saidshe appeared by telephone, and so I
mean, the only thing that Ican imagine is that there's some appeal process
if this thing got reduced to acivil judgment. You're right, the fraud

(57:40):
exclusion would probably keep her from beingable to you know, bk that offer
there, But but I don't know. You'd have to look at the you
know, the circumstance of the judgmentand all that stuff. I mean,
it's it's so rare that they actuallydo this these days. It seems like
they just i know, compassionate,just let people get away with with you

(58:04):
know, real theft. Where theythey they do, I know they do.
So I've never heard of people beingprosecuted, Diana. How are they
saying? Why are they saying,first of all that the claim was fraudulent?
Yeah, you know what, I'msaying that it was no, no,
no, But why are they whydo they want the money back?
Are they saying that you were gettingbenefits while you were working? I'm sorry,

(58:30):
repeat like you just said, youhold on, hold on and I
will okay three oh three seven onethree talks seven one three A two five
five. I don't I don't knowwe're going to be able to help her,
but I'll ask her the question.There's a reason they came after her
to begin with. We got tofigure out what the hell it is.
Yes, we got more of it. Yeah, go ahead. There were

(58:51):
you know, back to our COVID, there were lots of incidences where people
were actually filing false and fraudulent claimsfor unemployment under a fictitious names and pictitions,
addresses, and stuff. So I'msure that the caller is not alone
in being accused of this without youknow, without it, well, usually
there has to be something, something, something that's right. There has to

(59:12):
be something, and it was adjudicatedin court. So either she didn't participate
or didn't provide anything that showed.I don't know there's more to know about
this about this case. All right, well we have more coming right up,
We'll come right back. Go witha sure thing Denver's Best roofer Excel
Roofing dot com. You don't paya cent until you're content. Time for

(59:39):
an insurance checkup free no obligation comparisoncall Compass Insurance paying too much your coverage
at dozens of insurance companies find outnow three all three seven to seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three oh three
nine two zero sixteen twenty two.Hi Tom Martine, here, let's go

(01:00:07):
back to the phones. Three ofthree seven one three talk seven one three
eight two five five. Diana,What I need to know is why did
they contact you? Tell me?It just out of the blue, they
said you received. What did theysay you received? Why did they say
it was fraudulent? They didn't sayit was fraudulent. I didn't, and

(01:00:29):
they just I was sitting in myliving room one not and I got service
papers. They were trying to getme to pay back for the past two
years for for wages that I didnot receive. That's when I found out
about what was going on. Okay. But Diana, when they served you,
yeah, they said that you hadcollected unemployment. Why did they say

(01:00:52):
it was fraudulent. It was fraudulentbecause I didn't. I'm not one that
called in Diana. Diana. Yes, yes, We're in a circle.
We got to break this, wegot to break out of the cycle.
Here's what I'm asking you. Thereis a reason they wanted the money back.

(01:01:14):
What reason did they give you forwanting the money back? They found
out I had a job, andthat's why they want the money back.
Okay, so they claimed I knowyou don't agree, but they claimed you
were working and collecting benefits at thesame time. Did you ever collect benefits

(01:01:37):
from unemployment? I was on unemploymentquite a while ago, way before I
got this job that I have now, But I had not called in front
employments for years and I mean years, okay, And now saying that the
job I have now you know nowthe job you had or you have now

(01:02:02):
that you were working and supposedly collectingbenefits. Do they have a record of
benefits going into your bank account?No? Where do they say the payments
went on. They give you whenyou're on an employment, they give you

(01:02:22):
this little debit card. Okay,now they claim they claim you got a
debit card. Yes, there wasall kinds of fraud going on with people
getting debit cards in other people's names. I don't know why they didn't believe
you, Diana. I believe you. We have got we got no less
than a dozen calls of the sameexact thing. People said, Hey,

(01:02:45):
a debit card showed up in myname and I never applied for it,
so somebody applied for it. Andwhat they try to do is steal it
out of the mailbox before you getit. And I think that's what happened
to you. But why didn't theybelieve you? I don't know, no
clue. Well, well, youwere at the hearing, we weren't.

(01:03:06):
Why did they Why did judge saywell, we don't. I don't believe
you. I mean, the judgemust have said something to you. The
only two things he told me thathe did he could not believe me on
was I did file I didn't seestepped on the unemployment website, and I
did go and file a report withthe police department. Unfortunately. Wait,

(01:03:30):
wait, wait, hold on,Diana, hold on, what do you
mean he didn't believe that you didthat exactly? But what difference does that
make? First of all, whatyou only filed. You only tried to
file a fraudulent report after you foundout you were being accused of fraud,

(01:03:50):
right, I mean, you didn'tknow anything before that. Okay, So
that has nothing to do with thecase. What difference does it make if
he believed if you filed or not. What difference does it make? I
mean, the point is, sothat's the reason he ruled against you,
because he doesn't believe that you filedthat report. Yes, no, okay,

(01:04:13):
all right? Does it? Thatdoesn't even make sense for God's sakes.
So he's saying, when you wereaccused of fraud, you should have
filed a fraudulent report, and youdid not, So he thought that was
a lack of credibility. Did youfile a fraud report or not? Yes?
Then why did the judge say youdid not file a fraud report?

(01:04:35):
I have no idea. Do youhave proof that you filed a fraud report?
Well, they just send me ageneral email, you know, stating,
hey, we got your report,but that's all I got. Well,
did you did you show that tothe Did you show that to the
judge? Not? Because I couldnot find that? Okay, all right,

(01:05:00):
So, Diana, I do believeyou. I do, but I
don't know what you can do aboutit. You've already gotten a judgment against
you. When was that judgment rendered? Oh gosh, I'd have to look
on my coun Roughly roughly, Diana, roughly more than ninety days ago.

(01:05:24):
No, I'd say maybe sixty daysago. You might be within the time
to appeal it. But I don'tknow what you even appeal. John,
help me out. What do youthink? Yeah? I think I think
you might be in a position wheretoo much time has gone by or a
record was not made at the trialcourt level. I mean, it's so
hard to understand what went wrong inthis one, because she's claiming she did

(01:05:48):
all the right stuff. But thejudge found that she didn't, and I
doubt that you know, her inabilityto find it. Would you know,
if she made that claim with thesame department that's suing her, they should
be held to proving whether or notshe did or didn't. So the whole
thing is very hard to understand.The problem is there's a judgment, and

(01:06:09):
Dianeca, you were if you appealedthis, you would have to hire an
attorney anyway, And I'm wondering atwhat point will they take pay? I
hate even saying this. Yeah,here's the thought. The judgment is probably
not going to say that this isa judgment, you know, based on

(01:06:30):
fraud. It's just a judgment likeany other judgment. If if she declared
bankruptcy, it would be on thedebtor to come in and object to the
discharge saying, you know, sayingthat no right and discharge this it's it's
it was a product of fraud.And if they didn't do that, the
thing would eventually get discharged. Imean, I don't you know, the

(01:06:50):
burden has got to fall back onthe holder of the judgment to make that
claim. We got to take thisbreak, Diana. I think bankrupt I
swear to you you may have tofile bankruptcy. I don't know any way
out of this. You really shouldhave handled this differently from the beginning going
to that hearing, because I can'tgo back in time now and tell a

(01:07:11):
judge they did something wrong. Youknow, it's too late. I don't
know. I thought I wanted weshould have this to fill over there before
the court. That's when we wouldhave done it, because we helped many
other people in the same position,but it was before judgment. More coming
right up. Go with a surething Denver's best roofer Excel Roofing dot com.

(01:07:40):
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(01:08:03):
nine two zero sixteen twenty two.Hi Tom Martino here, Derek wants to
talk about small claims court. HelloDerek, what's happening? How are you
Tom Good? What's going on?Man? So I'm getting ready to go

(01:08:23):
down the road of possibly found smallclaims suit against a company that offers windshield
protection plans. There was this througha dealership. It was through a dealership,
through a major dealership. Okay,so was purchased through the dealership.

(01:08:44):
Normally I don't purchase any of thosesales office items, but I've rut some
good value in these in Colorado,not if you really read them, by
the way, I've been through thisbefore. But go ahead. What happened
then? One of my other cars, I've purchased one for seven years or
one hundred and paid for it somultiple times over. But I get what
you're saying because I'm kind of runninginto that now. Well, they actually

(01:09:04):
don't make them like they used to. What they do is they have a
total lifetime limit and then they havea deductible and when you think about it,
the coverage is not near as goodas if you bought it through your
insurance. But anyway, so you'reunhappy with it. Yeah, they're denying
a claim. Hold on a second, it's too loud, Shannon, I

(01:09:27):
mean he did have a few seconds. I want to take you back Derek
and finish this. Okay, Sohold on, I'm interested to know what
you sued for though, because didthey breach the contract or you just didn't
like the contract? Hold on,go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time

(01:09:53):
for an insurance check up free,no obligation in comparison, call Compass Insurance.
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Frank durand the real estate Man dotcom to list your home with Remax Alliance
three all three nine two zero sixteentwenty two. Yeah, Ritt News need

(01:10:23):
advice so you don't have come running. Just as fast as we can show
Shooter's gonna help. Come man.This is the Troubleshooter Show Now, Tom
Martino, Tom Martino, You're troubleshooterthree all three seven one three talks seven

(01:10:43):
one three eighty two five five.This hour brought to you by Waterpros dot
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(01:11:04):
two five five five four. JohnFuller's with me personal injury attorney, sordinaire,
personal attention and all that, andI mean it sincerely. He gives
a cell phone number out. He'scrazy, but he does. You can
call her text at any time whenyou're a client, and he means that
he's not bs and there, John, how many calls have you gotten,

(01:11:24):
like past ten at night or inthe evenings? Not that many. Actually,
I do get calls on the weekendsometimes, and you know, early
evenings after people get home from work, so you know, six seven o'clock
at night, But not too manypeople call him truly in the middle of
the night. So somebody wants toknow if a dash cam can be admissible

(01:11:47):
in court. Absolutely, yes,a dashcam is admissible in court and is
the single key best piece of insurancethat you can put into your vehicle to
completely eliminate liability disputes. And hesaid, she said, and all that
kind of fun stuff. They're wonderful. I have them in all my vehicles.

(01:12:11):
I recommend them for all of myclients and anybody who will listen.
Cool Now, Derek. We leftoff with Derek and he said that he
had windshield coverage on a new car. And I'm familiar with it. By
the way, I think it's crapcoverage. But he said they won't cover
a claim. He wants to assumea small claim score. So I want

(01:12:33):
to dig into that, Derek,what was the why won't they cover it?
What reason are they giving you.They're stating that the damage was caused
by quote, an act of nature, and what is that mean? Something
that it's undefined. It just saysactive nature. So they're claiming, well,

(01:12:56):
what wouldn't be what's not an actof nature? Tell me what is
not? But I said that,you know actually, and that's going to
bring me to another question. ButI actually said that to the representative and
they said, I can't argue thatit's all an active nature. I said,
unless somebody hits it with a baseballbat, anything that hits the windshield
and breaks it, it's going tobe an active nature. No, Well,
how about if you're following a truck, I mean truck you know,

(01:13:19):
puts a dent in your windshield.That's not an active nature? Well right,
and what, by the way,how did it break? Derek?
Something flew up and hit the windshield? Now is it bad? Is it?
Is it cracked all the way acrossor a little bullet? What is
it? I sent you pictures,so it's got you. Help me out

(01:13:43):
though, because I'm not at thosepictures right now. Help me out?
What? How? How is it'skind of a round spawling. But so
here's what happened. So when mywife went to file the claim and she
called me. She was going thirtyfive down Bellevue, that's her commute,
and she said something flew up andhit the windshield. And I said what
And she said, I don't know. A bird, a plane, a
rock, a piece of wood,a piece of metal, I don't know.

(01:14:05):
I didn't see it. I justheard it. So when she was
going to fall file the claim,they said, since she didn't know exactly
what hit it, that it musthave been a bird. But if you
look at the okay, now atleast we know what they're calling nature.
A bird is nature, a rockis not got it. Gotcha. So

(01:14:27):
if you look at the picture,I don't know of any birds that are
made with right angles and that areharder than the surface of glass. But
you can see where it was obviouslysome piece of foreign debris, not a
bird. When I sent it overto the insurance company, they agreed with
me, this is obviously not abird. But they're sticking to their bird

(01:14:48):
claim. They're failing to honor theOkay, now I understand why you're suing.
I didn't know what if it madesense. But what you're basically saying
is it's a breach of contract,breach, breach exactly. And I said,
okay, well, how about this. The dealer wants three thousand for
the windshield, safe light wants athousand. Let's do safe light. I

(01:15:08):
don't need oem glass. That's totallyfine. They did not want to do
that. I said, okay,then if this is kind of a worthless
policy to me, wanted to refundthe policy. They refused to do that,
so I said, okay. Buthere's the kicker. At the very
end, they're like, well,we're willing to give you five hundred dollars
towards good hope or good, youknow, give you five hundred dollars just

(01:15:30):
for your time and a statement ofgood hope, which I know that's pretty
much a poison pill to any otherrecourse action I might have going forward.
So I denied, well, John, what are you thinking about his chances?
I think that I don't know,man, this, How the hell
can they do it? How canthey turn it down? Yeah? Unless

(01:15:53):
there was something said during his wife'sstatement to them that's really given them a
leg to stand on with this wholebird thing, I'm I don't know how
you're going to lose. Actually,Yeah, and in the photographs too,
it's obviously where are you right now? Where are you right now in your
lawsuit? I haven't started it yet. I wanted to exhaust all other options

(01:16:17):
first. This conversation about the fivehundred dollars and getting to the impass there.
Let me ask you this, whatdealer did you buy the warrant?
You know, they made money onthis policy. They probably want to know.
They probably do want to know aboutthis go ahead. The dealer is
involved in this, but they're inan impast too kind of They're like,

(01:16:40):
you need to contact the company youbought the policy from and the policyholder saying
you need to contact the dealer.Now, the dealer did send me one
of the dealer forms to cancel orget a read. How much did you
pay for this coverage? Two thousand? That's what I would do. Getting

(01:17:00):
a refund is not that bad.The other thing you may want to look
at is it does the contract actuallysay how you have to resolve disputes with
them if they have an arbitration provision, or they may say that, oh,
he may not be able to goto small claims theet This can only
be brought in timbuck to in themiddle of whatever state. I mean,
they put these these provisions in there, right, John, That's a good

(01:17:23):
point. Good point. You mayfind that for sure. Yeah, John,
what do you think John? Imean, the refund is the refund,
Derek, what are your chances ofgetting a refund? They're better with
the dealer than they are with theno. No, But what about this.
The dealer maybe won't give you arefund, but maybe the dealer will

(01:17:46):
get it replaced. That's possible,and the policy I bet they would.
We'll explore all of that. Sowhat are you calling about today? What
can we help you with today?Okay, So if say there is no
provisions that it has to go tomediation. Everything else like that, as
far as the small claims paper works, the car is register in both my

(01:18:06):
wife and I's name, the noteis in both of the my wife and
I's name, and the bill ofsale, the contract is just with the
windshields coverage is just in her name. So can it just be her name
on the suit? Well, Johnwould have to answer that, but I
would say, you're all a party. Either one of you could do it.
But I mean, John, whatdo you think. Yeah, whoever

(01:18:28):
bought the coverage, whoever the policyholder is. I mean, essentially,
this is a policy of insurance.Whoever the policy holder is is going to
likely have the standing needed. AndI wouldn't. I wouldn't risk going to
court if everything else was right,only to find out that you lose on
standing because you're not the right party. If you really want to go crazy,
put both names down, there's noproblem with that. It doesn't it

(01:18:49):
doesn't cost anymore to put both youand your wife down. Consentsure both owners
of the vehicle. Okay, I'lldo that because I'll be handling most of
the legwork on this too as itgo through. Now, I would first
exhaust the peaceful side. I thinksure. I think now small claims you
can fill out online, you canyou know, have them served all that,

(01:19:10):
So, what what's any right?I am going to go to the
peaceful side first. The raistered agentis actually just a few blocks away from
me in little and I am goingto do that. I just kind of
wanted to take this opportunity to getmy ducks in a row. Should that
not work and I have to goforward this route? Now? My other
question is, I know there's notreally discovery when it comes to the small
claims, but there's a lot ofin those recorded phone conversations. There's a

(01:19:35):
lot of discussion that would be detrimentalto their argument. Is there any well
you can simply hold on, howdo you know? Are you just recalling
it from memory? Yes, I'mrecalling from memory. Then you can testify
as to what they told you onthe phone and ask them to testify as
to what they said. No,it's not going to get to court.

(01:19:58):
Bro. First of all, all, I think that, well, you
think they'll just first, I don'tthink I think they have an arbitration clause.
That's my gut most most most warrantiesdo now. But I would say,
either way, you're they're going toask you the same stuff. Okay,
so you still have to you know. And and by the way,

(01:20:21):
if you say this is what theysaid and they recorded the conversation, it
kind of puts them on them toprove you wrong. That was my thought
as well. If they tried tojust beat something I said, God,
I'd really be pissed off. Whatdealer is this, by the way,
it's it's a Sonic dealership. Sonicsare good. Way whoa woa? Sonics

(01:20:43):
a good organization. I don't saythat a lot. Now. What kind
of car? Twenty one Mercedes CLSfour fifty? Okay? Nice car?
Night? Is it Sonic right hereon Colorado Boulevard? Yes? The GM
there? Have you talk to her? I have not talked to the GM,
and honestly I don't really have.I'm not upset with Sonic and Mercedse.

(01:21:06):
They've been They've been good throughout theprocess. And no, no,
I'm saying, talk to them manthat she'll she can put a phone call
in and make this happen. Thenyeah, and then I'll probably do that
through my service advisor and have tospeak to the GM too and see if
this can be pushed forward. Ithink you're going to have success at the

(01:21:27):
sonic level now that you tell methis. They're not going to screw around
for a windshield. They're not.Well that's good, that's for sure.
Let me know what happens a market. They've been easy to work with,
so oh, they're great people.I mean, you know, I have
called me since I've been on thisphone call. I've done, I've done
never mind, I don't want toget into it. But anyway, they're

(01:21:48):
they're good people. Again. Idon't have any special deal with them or
anything. I don't you know.I'm just telling you I am pretty impressed,
okay, And I don't say saythat often, uh three all three
seven one three talks seven one threeeight two five five Go with a sure

(01:22:12):
thing Denver's best roofer Excel roofing dotcom. You don't pay a cent until
you're content. Time for an insurancecheck up, free no obligation comparison call
Compass insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven seven to onehelp You'll think you're his only customer when

(01:22:32):
you choose Frank durand the real estateman dot Com to list your home with
Remax Alliance three all three nine twozero sixteen twenty two. You know Jr.
One of my YouTube morons. Wow, one of my YouTube morons asked
a question and uh, it causedme to go to ar AI to find

(01:22:56):
an answer. You guys probably alreadyheard it. We were playing at during
the break. Anyway, I mightdo that if I have time. But
anyway, let's go back and figureout what's going on with these calls.
Stan has a question on a usedcar. Go ahead, Stan, what's
going on? Stan? What's happening? Hey? Tom? Are you doing

(01:23:16):
this afternoon? I'm doing good.Thank you for listening and for calling.
What's happening? Hey? I waswanted? Can we still find used cars
with under twenty thousand miles on them? One ownership? You? For sure?
For sure you can. You canfind used cars under twenty thousand miles,

(01:23:36):
but you're gonna pay a handsome pricefor it. What are you looking
for? What are you looking for? Seriously? Stan, the last two
cars I had was only seventeen thousandmiles. I had four tours in the
cars three hundreds. What's your budget? What is your budget stan between twenty
twenty five? Now, are yougonna pay cash or put money down?

(01:24:00):
I'm thinking on that I can putmoney down and just leave it and have
it coming out in my chick.How much money can you put how much
money can you put down? Ican put down half of it. Well,
I can pay the whole thing off. Okay, now, please please
don't think I'm being crazy here.Okay, Nowadays, nowadays, because of

(01:24:24):
supply and demand and because of theway the market is used, cars are
not a great value. They're stillcheaper than new cars, but not necessarily
a good value. So what I'msaying is this, there are truly some

(01:24:46):
great cars right now. You canget new with a good, healthy down
payment. You can have pretty lowcar payments with ten year warranties. So
I'm just asking you to consider it. I'm not saying to do it.
It's truly truly worth looking at.I'm telling you you look at a Kia,

(01:25:09):
or you look at a Hyundai ornow now don't now you're gonna pay
out the nose for Toyotas and Nissans. But these other cars are just as
good. Now, why am Isaying it? I'm telling you you can
get a sportage. You can getI don't know what size you want.
Do you want a little suv ordo you want a car? What do
you want? Man? What doyou want? I've got a full TOAs
now so sdan a little Sudan.Yeah, you can get those for a

(01:25:34):
song man. And not only canyou get them pretty cheap. Here's what
I love about it. You canget them and you'll have a new car
under warranty with nobody's problems. That'swhat I was looking forward. No,
no, listen the reason listen.I have just recently started recommending this when

(01:25:54):
the warranties became so good and thecars became so good, and the use
cars have held their values, soobviously new cars are becoming better values.
Now. It's not going to bea good value if you're going to get
rid of it right away, butif you're going to drive it and love
it, you're going to have onehell of a deal. Especially now.

(01:26:15):
This would not be necessarily for peoplewho are who are weighing buying it for
cash a used car or financing anew car. But you're in a position
where you're going to finance very littleor you're going to pay it off.
I'm telling you, bro, youwant to consider a new car, you

(01:26:36):
really do. Now. That doesn'tmean you go out and you overpay for
it either. Okay, Now Iwant to ask a few questions here.
What kind of what kind of mileageyou put on a car? Very little?
Now? But I'm retired. Now. You may want a lease,
Bro, You may want a lease, and leasing is something people don't even

(01:27:00):
consider anymore. But leasing will giveyou low payments if you put on low
mileage, and I can tell youwhere to go for that, I would
go right now. I wouldn't goanywhere but Jaffar Cars. And talk to
Perry over there. I forget hisfirst name. I think it's Bob Perry.
Or talk to jfar Cars. Talkto Rodney, our guy Rodney.

(01:27:21):
If you want to lease a caryou're paying now, I just want to
give you an idea. Do youknow a little sedan called the Kia Forte,
a really nice little sedan. Doyou know they top out? They
top out at twenty five thousand brandnew. Yeah, that's something like I
would look into because I don't wantno car. No or something coming living

(01:27:44):
on a sixth income and what peoplethink it is? This thing? No,
no, this thing will lasts along time for you. It'll last
a long time. Now they havethe bigger Kia that tops out at thirty.
We're talking topping out, sir.We're not talking about you know,
if you want to get a baseor model, you can get one for
You can get a Kia Forte foraround twenty grand right, Okay, Now

(01:28:08):
look here's where I would start.I'm serious. JFR cars. They're good
people. If they don't have agood deal, they'll tell you. They'll
say, you know what, gohere or go there. That's how good
they are. Do you have thatnumber for them, Kelly, I don't
have it right on my fingertips.JFMR. I can look it up when

(01:28:29):
I get hung. Yeah, jfR. Okay, and yeah JFR.
That would be like you know,Juliet Foxtrot Aromea. Yeah, because I'm
looking for some in that range twentyto twenty five. I can get good
of the one I got now,Oh you'll love it. And they have
ten the ones i'm telling you about, they have ten year warranties. Yeah,

(01:28:56):
and I'm seventy two, so Iwon't look by nothing else, you
know, once I get this otherone. Man, don't you be talking
like that. That's gonna piss meoff. No, no, no,
I'm gonna make it to ninety.But I'm okay. Thank you for calling,
and uh, well, just hitthe gym, bro, hit the
gym. One more quick question.I guess yeah. My engine light came

(01:29:19):
on this forward toward and I hada lady tell me open my gas cap.
Now it could be you know whatyou do is open it and then
tighten it again. Yes, youtighten it. I don't have a cap
on this. This one's a cap. Okay. I don't know what it
could be, but it could beserious, it could be nothing. You

(01:29:40):
don't want to drive around too longwith that engine light. Now, if
you drive by Shardan Auto Tech,they'll take a look at it and run
a code for nothing. Okay,yeah, okay, and they'll give you
an idea. They're good, honestpeople. Yeah, they'll run a code.
If you pull in and they havetime, they'll come out and just
hook up a code reader and letyou know what it could be. Thank

(01:30:00):
you for calling. Three O threeseven to one three talks seven one three
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(01:30:23):
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with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up free, no

(01:30:45):
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Hi TomMartino, your trouble shooter three oh three

(01:31:13):
seven one three talk three oh threeseven one three eight two five five.
So let's continue here. Anna,you want information on skimming? Do you
mean like credit card skimming? What'sgoing on? Yeah? So there was
a news story KDVR did something onit, and the Longmont Public Stafety Office

(01:31:36):
posted on Facebook and nextdoor about itthat apparently skimmers were installed on the credit
card readers at merchants various merchants aroundLongmont over the long weekend. Wow.
And the issue is they refuse totell the public because everybody, if you

(01:31:58):
look at the various next door andface book posts, everybody's commenting saying,
well which merchants? So you know, people can find out did I shop
at one? Now? That wouldbe that would be the obvious thing to
do, you would think, sowell, they are adamant in refusing to
disclose which merchants, and they're repliesto people, it's all you know,

(01:32:20):
it's all there to be read.They say, well, you'll just have
this doesn't protect you in the future. Well, of course not, but
it does let you know what doyou need to do now kind of thing
or something right, If you didn'tshop there, then you don't have to
worry about it. But if youdid shop there, you can now decide
if you want to cancel your cardor what do you want to do?

(01:32:41):
And I would assume that the banksfor the debit cards affected, and the
credit card companies would probably prefer thatcustomers know and do something in it.
How crazy what you're telling me makesno sense. Yep, well that's why
I called so, because yeah,and So. I contacted the Longwot Public

(01:33:05):
Safety Office myself. I thought,well, I'll just call and see,
maybe they'll tell me something. Nope, completely refusing, they said, the
merchants are victims and they don't wantto identify them as victims. Well,
first of all, the merchants aren'tthe victims. Really, they're the intermediary.
The victims are the people and ultimatelythe banks and credit cards who if
money gets stolen they may never recoverit. But I also said, well,

(01:33:29):
normally victims are named, unless it'sa child or some special situation where
you protect the victim's identity. Butthese are businesses and the public. You
know, Longmont public Safety, it'sin the name. They're supposed to be
looking out for the public, theinterests of the citizenship paid exactly the businesses.
I also called the Longmont Mayor's office, and the woman I supposed to
there was extremely helpful but obviously couldn'treally do anything. But she did say

(01:33:53):
she would pass it along that themayor's staff was going to pass it along
to city council. And so Idon't know if they can instruct this Longmont
Public Safety Police Department to reveal it. But in the meantime, here we
are, members of the public areall trying to get information and for what
you know, for some reason,the Longmont Public Safety pase. Oh man,

(01:34:15):
I have never heard of such astupid I mean, that is the
most ridiculous thing I've ever heard.Yep, so there it is. Well,
so I don't know if you candraw a top top of this.
And I mean, you know,we have done crazy stuff and influenced people
to you know, we have donesome crazy stuff like that. I'll tell

(01:34:36):
you. We've had people open updamn investigations when they refuse to in the
past. We've done things. Butit might be something worth looking into it.
It's crazy that they will not tellbut all they say is be on
the lookout. Meanwhile, they don'tgive you any kind Oh my god,

(01:34:57):
this is crazy, right, yeah, I mean it could be. It
could. Every single person that didany shopping and long mind over the long
weekend is now being told, well, you need to monitor your card statement,
and you know, in other words, it's our problem. You know
when when half those people probably didn'tshop at any of the stores affected,
so they don't have to be quiteas stressed out, and then the other

(01:35:19):
half that did can now make decisionscall their card companies, put their things
on hold, warn the bank,close the car, you know, cancel
the card. Whatever they're as itis, they're not giving anybody And it
just seems to me like that thisis a complete, yeah, absolutely crazy
after application is to the public.Yeah, it's totally crazy. It's just

(01:35:41):
stupid. And I mean and thenI don't see what the justification for it
is. So we ought to actually, you know, this is something in
my opinion, this is something worthlooking into. It really is. I
mean, so this is long MontPolice. Yeah, it's the long month.
If you look on Facebook you'd probablysee it. Longmont Public Safety is

(01:36:03):
the team of the of the Idon't know if it's there sort of public
you know press or you know,public information, you know, office for
the lows. Hey, Kitchina,do you want to do you want to
make a call up there? Weought to. We ought to make a
call up there and see what thehell's going on seriously. I mean,

(01:36:24):
it's a It sounds ridiculous to me, It really does. It sounds absolutely
ridiculous to hold on and we will, uh we Well, you don't have
to hold on, Actually you canlisten. I would really like to know
what the hell's going on. Ireally would three all three seven one three
eight two five five. Thank youfor telling us, John Fuller Fullerlaw.

(01:36:45):
I got some questions here. Someguy was at an accident or he had
an accident and got the name ofa witness who now will not cooperate,
but he has the name, heknows they saw it, and he has
their number and all of that.Have you ever had to compel people?

(01:37:05):
I mean, is there a suchthing in personal injury to subpoena people.
Well, your subpoena powers don't reallycome into existence until after litigation has been
filed, and so prior to filinga lawsuit, there is no way to
really compel somebody. Oh really,okay testimony, So yeah, but you

(01:37:28):
can't. You know, sometimes peoplejust they just don't want to get involved,
and usually it's because they perceive someyou know, something negative coming out
of it, either that they're they'reputting themselves at risk or that you know,
they're going to get dragged into somebig, you know, proceeding or
something. And you know, sometimesI've sent out investigators and had him go

(01:37:53):
knock on the door and just havea friendly chat with them. And sometimes
those people are willing to just signa statement, and oftentimes that statement will
really grease the way towards everything gettingworked out in the end, and then
that forecloses the need to go intolitigation and the need to do anything else.
They just you know, at thatstage, it's really just a quest

(01:38:14):
for the truth who's at fault forthe accident, and once we've got that
established, everything else will fall intoplace. Okay. So basically we're saying
that it's worth uh, it's worthpursuing. I mean, if you know
you're in the right and somebody cansomebody can verify it. Yeah. But
I think the key to it,Tom, is that you know, the

(01:38:35):
approach matters, and trying to compelsomebody is never a really good way to
get, you know, really favorabletestimony because they know, I know,
you quote unknot forget things and misrememberor whatever the right right exact or something.
But you don't want to piss peopleoff and try to get them on

(01:38:56):
your side. Is what you're sayingthat is exactly right, because then you
end up sometimes just having an enemyyou know, you know or there or
the yeah, hey so soprate youknow, No, I know exactly what
you're saying. That it that thatmakes a lot of sense. Okay,
So we have more coming up onthe Troubleshooter Show. Three o three seven

(01:39:17):
one three eight two five five.Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free,no obligation. In comparison, call Compass

(01:39:39):
Insurance paying too much your coverage atdozens of insurance companies find out now three
oh three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi, Tom

(01:40:01):
Martino, You're a troubleshooter three zerothree seven one three talks seven one three
eight two five five. So we'retrying to get to the bottom of this
uh situation. Where Longmont is puttingout a warning, yet they won't tell

(01:40:24):
you where it's targeted. It's themost ridiculous thing we've ever heard. Some
credit cards skimming they discovered, butthey won't tell you which merchants. I
mean, how stupid is that?I guess because they're thinking it'll hurt the
merchant. I don't think it'll hurtthe merchant. I mean, and it's
something you should know about. Warningyou could have been skimmed, but we're

(01:40:47):
not going to tell you where itcould have happened. Again, honest to
god, it's like what happens tobrains in police departments. As you go
further north, what happens. Rememberwhat happened with Brighton police. Now I
should update that, and I'm goingto do it in the next hour because
I owe them an apology, notbecause I was wrong, but because of

(01:41:09):
the positive action they've taken. Thestory was unfolding accurately. It was unfolding
accurately. However, these people morethan made up for it, and I
love talking about that. So Igot to make a note to update this.
Coming up now, John further informationhere on accident scenes. We talked

(01:41:30):
about dash cams and is there anythingspecial people need to do? If someone
says, oh, it was myfault. How many times have we heard
this? And then when it comesdown to actually doing a claim, the
insurance company says, well, youknow, it's like the insured then claims
something else. Would it be inappropriateif somebody starts rattling and talking to record

(01:41:57):
them. I mean, it's aone and sense state. Yeah, it's
it's probably legal to do that.But I mean, I don't know if
if you had any doubts and youwanted to videotape some money. I can't
imagine that they're gonna sit there onvideotape or or something and just rattle off,
you know, how badly they screwedup in causing the accident. The

(01:42:21):
more important thing to me is witnesses. I always like, you know,
unbiased people that witness what happen.If you can get the name and number
of one or two people that actuallysaw what happened and thought to pull over
and you know, render aid andthat kind of stuff, you know,
short of a dash cam, that'skind of the gold standard. They they

(01:42:42):
tend to discount the two people thatwere actually in the accident a little bit
for obvious reasons, but completely unbiasedpeople that that witnessed what was going on.
That that really is hard to assailthose people's credibility. Yeah, for
sure it is. Now, whatabout witnesses in your are are they worth
the damn? I mean, youknow what I'm saying that they obviously,

(01:43:03):
yeah, they're better than nothing.You know, they're they you know,
are they potentially biased? Of course, but they're better than nothing. It
just adds it. You know,two people say it versus one guy on
the other side. So better thannothing, but not great. I got
you. And again we're talking toJohn Fuller Fuller Law three oh three five

(01:43:28):
nine seven forty five hundred. Whenhe's not here, he's chiming in on
this and a bunch of other callsas well. And I'd like you to
stay tuned for the follow up Ihave on the Brighton situation. And then
we tried to get a comment fromlong Line. Now, Kachina, what
did they say, did they saythey wouldn't comment or what? What?
Exactly? No, they actually werereally nice about it. So they're actually

(01:43:50):
in the process of trying to figureout who best to talk to. Good
Actually my name and number, sohopefully they'll give us a call back.
Okay, that's great. Three Othree seven to one three talk seven one
three eight two five five and againI have some stories here. I wanted
to talk about fast food restaurants fastservice. By the way, there is

(01:44:15):
an estimate that thousands and thousands ofthese are going to be closing up due
to the increase in minimum wages acrossthe country along with the increase and costs
for supplies and foods. Or they'regoing to be at a price point where
people are no longer going to gothere, and they're saying that the entire

(01:44:40):
industry has taken a turn. I'mTom Martinez. We have more coming up
on the Troubleshooter Show three oh three, seven to one to three talk.
Get your calls in, We'll takethem and solve your problems. Go with
a sure thing Denver's Best roofer ExcelRoofing. You don't pay a cent until

(01:45:01):
you're content. Please time for aninsurance check up free, no obligation comparison
call Compass insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven seven toone help. You'll think you're his only
customer. When you choose Frank durandthe real estate man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.

(01:45:31):
Ripped of news, need advis youdon't have run as fast as we can
show Shooter's gonna help come Man sixis the Troubleshooter Show. Now Tom Martino,

(01:45:53):
Hi, Tom Martino here, Welcometo the show. Three oh three
seven one three talk three oh threeone three eight two five five. What's
going on in your life? We'vehad slam lines all morning and now we
have lines open so you can getright through if you have a problem,
question or complaint at three all threeseven one three talk three all three seven

(01:46:13):
one three eight two five five Inwith me today John Fuller Fuller Law,
and John is our personal injury expert, but he talks about a lot of
things. We were talking about someof the issues. Some of the calls
that came in today were quite uh, quite interesting. On uh, the
windshield coverage by the way, oncars. I don't like windshield coverage on

(01:46:36):
cars now I like it with yourregular insurance. As far as after market,
the idea of an F and Ifinancing. An insurance officer or person
in a dealership is to try torun up the gross so they make more
money and a car. Nothing wrongwith that if they if you want to

(01:46:58):
buy the stuff now, the onlything I would buy it an F and
I office and I have in thepast, and I don't mind. There's
two things I would buy. Twothings. Can you guess what they are?
John? Now, aftermarket we're talkingabout the world of extended warranties,
credit, life and disability. We'retalking about windshield coverage. We're talking about
mop and glow, as Mark callsit. Where the paint protecting, the
interior protecting, special undercoating, glassprotection, theft protection, lowjack whatever.

(01:47:26):
What do you think I buy?There are two things that I swear to
God I will buy every time ata dealership. And they've always made money,
not made money, but they've alwaysworked for me. What do you
think? Yeah, I don't know. The things that we see that get
utilized successfully, most of all aregoing to be your gap insurances. And
then you know, to a degree, I think drive train warranties make a

(01:47:49):
difference if you're going to keep avehicle for a really long time. Yeah,
if you buy it when it's new, you get a certain amount of
concurrent coverage that doesn't really work well. But you're right, But are also
the cheapest times to buy, youknow. I've seen people that keep their
vehicles and put several hundred thousand mileson them and stuff, and they they
get their money's worth out of those. But but you know, for most

(01:48:12):
people, it doesn't make a lotof sense. What do you what do
you like? Which one is Ilike? Okay? I like? By
the way, with gap, ifyou've never bought a car on mistake or
overpaid in the past, a gapgap insurance just a word on that.
Gap insurance will only pay up toone hundred and twenty five percent of value,
not including any previous equity rolled intoa purchase. And they'll go back

(01:48:39):
and look, which means this,if you're trading in a car and you
owe a little more than it's worth, none of your new negative in equity,
right, yes, negative equity,that's right. So yeah, if
negative equity is rolled into the nextdeal, none of that negative even if
it's within the one hundred and twentyfive percent, they won't pay it.
The only the only difference they're goingto make meean what the insurance offers for

(01:49:01):
your car and what the payoff isis if you simply bought the car for
MSRP or less and if you paidmore, that's on you. Okay,
they will not pay what I callstupidity insurance. A lot of people think
if they overpaid for a car andthey get in an accident, they're going

(01:49:23):
to somehow get made whole through thatcar payment. I'm seeing that car loan,
They're not going to. There's alot of stuff on gap insurance.
And I'm not saying it's a badcoverage. I'm just saying it's not going
to cover stupidity. It's only goingto cover a car that depreciated. That's
so. I will also tell youthough that I mean, Tom, you

(01:49:44):
know, people get victimized in theseaccidents, and it's just a shame.
But I've seen people that you know, are financed up to the hilt and
and maybe they're you know, thecar is depreciated to the point where there
are a couple thousand dollars upside down. But here's what happened. The car
gets totaled. The actual cash valueof the car is you know, two
or three thousand dollars less than what'sowed on it. But then they have

(01:50:06):
to turn around and try to buya new car, and the bank is
saying, we want our two orthree thousand dollars, and they want that
back now because they have no collateralon it and they need a new loan
on a car. So it's it'sreally I mean, your damages are magnified
way out of proportion with the actualdollar amount of the deficit. And so

(01:50:27):
I have seen where it's really savedthe day. It's not a magic one
that can make up for somebody's justyou know, foolish, you know,
borrowing and buying every single aftermarket everythingyou can possibly finance on a car.
But if you're you know, ifyou're going to be close and you're not
one to really have a lot ofequity in a vehicle, it is worth

(01:50:48):
its weight in gold. You knowtwo things I buy every time? Prepaid
service, not a service contract.It's pre paid service. Now, why
do they sell prepaid service because theywant you to come back to the dealership.
Okay, and you can take itsometimes to other factory dealers, but

(01:51:12):
they want you to come back forservice. So a prepaid service is not
for warranty. Warranty is wary aswarranty, you're going to get that anyway.
But prepaid service is for the stuffyou would normally pay for oil changes
or certain things that aren't covered undera normal warranty. What I'm saying is
that is always cheaper to buy upfront, always, always, always prepaid

(01:51:39):
service. And we like on athirty six thousand mile check on a Beamer
or a Mercedes, that could bea lot of money, and you pay
probably half of it if you buyit up front. So what they're betting
on is you're not going to keepthe car, or you're going to at
least keep coming back there. Butprepaid service I have found works. I

(01:52:00):
found another thing that works. Wheelprotection. Let me explain why you are
very seldom going to put in aninsurance claim for a bad wheel or scraping
a wheel or screwing up a wheelto put it in a collision coverage is
stupid, comprehensive of stupid. Nowwheel protection. These wheels are like and
some of these cars are two thousanddollars apiece. I did not buy one

(01:52:27):
one time, and that was thefirst time, and that's the last time
I didn't buy it, and Ican't believe how easy it is to scuff
up those high falutin frickin aluminum wheels, and it costs me two thousand dollars
two thousand dollars to get them buffedout or fixed. The wheel protection was

(01:52:50):
fourteen hundred bucks. Now, letme explain something. I have never not
used it ever, and I'm nottalking about collisions necessarily. If you look
at most cars and you look attheir wheels, they're all scuffed up or
scratched, or they're they're terrible.You don't it doesn't have to be at
fault, no fault, negligence,no reason. If it's scuffed up,

(01:53:11):
if it's cracked, if it's broken, if it's if it's warped, if
it's the lip is bent, whatever, whatever you did, they cover it.
That to me is unbelievable because yourinsurance would be sky high if you
tried to put in those claims onyour insurance all the time, and sometimes
it would be right at the deductible. So prepaid service and wheel protection.

(01:53:32):
By the way, I have notforgotten about Brighton police follow up. But
I want to go to the phonesbecause people are calling and they take priority.
So, Brian, what did youwant to talk about? Brian?
Hey, Tom, I have aChevy Impaula that got the hit basically the

(01:53:53):
hail beat out of it really reallybad. So a lot of dance all
over. If what will the insurancecompany do if it's more value than it's
worth, Like, if it's atotal, how does that work for us?
Now? Here's what's here's what's goodwith Hale. Here's what's good with
Hale. I mean, if there'sanything good, if you have full coverage,

(01:54:14):
you're going to get they're going tototal it and you're going to be
able to buy it back. Andthe good news is you don't get a
salvage title with Hale. So thetitle is not branded and you simply get
to drive it as long as youwant and sell it if you want.
Of course it's going to have ahit and value, but you're going to

(01:54:38):
get a good dollar for it.So that's how it works with hal damage.
So what would be an example ifthey to buy it back? How
does that work? Now, here'swhat it normally would be. Here's the
you know, that's an age oldquestion, and here's what it is.
Normally. The salve value should istake the salvage value and you add to

(01:55:03):
it. No matter what you addto it, you add to it the
cost of repairs, and those twocosts should add up to a good market
value for that car. Now again, if it's a twenty eighteen, what
is the market value of twenty eighteen? Right? What is your car worth?

(01:55:23):
Right? Now? Do you think? What do you think it's worth
eighteen to twenty? Okay? Whatdo you think the repairs will be?
I'm not saying you'll have it done, but if you did have it done,
what would it be about? What'sfifteen? Getting them checked later?
Probably max? Probably how much?Probably fifteen thousand. Yeah, So let's

(01:55:48):
say fifteen it's worth eighteen. Thenthat tells you the salvage is probably worth
three. Probably, But usually usuallywhat you do is you take the salvage.
I would not pay more than twentyfive percent salvage. I would argued
all day long, but you Ithink way less than For example, on

(01:56:12):
your car. The older the car, the worse it is to try to
figure salvage. But let's say theygive you fifteen, they'll probably just they'll
probably take off no, I fifteenmight be no, they would have to
give you more. If your car'sworth eighteen, they're gonna give you more
than fifteen. They'd have to giveyou whatever your car's worth. I don't

(01:56:32):
know what it's worth. I don'thave time to look at it. But
let's just say your car's worth sixteen. They would probably then ask for about
one thousand dollars off for you tokeep it. Plus you're deductible or minus
your deductible. So let's say youhave a one thousand dollars deductible, a
one thousand dollars salvage, the totalis sixteen. You're gonna get a check

(01:56:56):
for fourteen and get to keep thecar. And that's how it works.
And then any outstanding loan just wegive us just to pay Yeah, what
do you owe on it? Sufifteen? Yeah, so you're you're just
gonna basically have enough to pay offthe car. And then if they come

(01:57:20):
back to insurance and says it's lessthan they obviously just fix it and I
just take it back like a regular. Well yeah, yeah, if it's
worth fixing, they'll fix it.But when it starts approaching seventy five percent
of market, they or wholesale,they're going to total it. They're going
to total it. Now. Rememberon a total car, you're entitled to

(01:57:44):
the market value of the car afew seconds before it got into an accident,
plus sales tax. Got it allright? Let me know what happens,
bro, who's your insurance company?They're not too bad. They're not
too bad. They're not They're notlying crooks like Fred Loyer. We got

(01:58:09):
more coming up. Three all threeseven one three a two five five.
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance check up free,

(01:58:29):
no obligation. In comparison, callCompass Insurance. Paying too much your coverage
at dozens of insurance companies find outnow three all three seven seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the Real
estate Man dot com to list yourhome with Remax Alliance three all three nine
two zero sixteen twenty two. Denver'sTalkstation online at khou dot com. Hi,

(01:58:55):
Tom Martino, your troubleshooter three Othree seven one three Talk Real three
seven one three eight two five five. Welcome to the show. Let's talk.
Kevin. You have a comment onwarranties. Go ahead, Kevin,
Kevin, do you have a commenton warranties? Yes, yes I do.

(01:59:17):
We took and we bought a brandnew board f one f rands.
It was like a seventy thousand dollarstruck, yes, sir, and I
took and we got that quarrantine likeyou're saying, we got all the oil
changes and we got paint and thewheels. And then two years later Bradley

(01:59:38):
sold out to Alpine Board. Analpine Board honor any of it, So
we kind of got screwed out ofit. No, wait a minute,
Wait a minute, Wait a minute, Wait a minute. You bought prepaid
service. Normally another franchise, allfranchise dealers will honor the prepaid services.
Well this one, yeah, alpineBoard won't. Then you must have I'd

(02:00:01):
have to see the contract, butthey have to honor it unless it was
this Wait, unless this dealer,let's just say the dealer, ABC dealer.
They sold their own brand of prepaidmaintenance. In other words, you
have to come back to ABC.And then ABC goes out of business or

(02:00:23):
sells to another company. They're nolonger in business, a new entity takes
them over. I could see ascenario where they would say, we didn't
sell you that, man, that'snot ours. But normally the prepaid service
is part of a manufacturer's offer alongwith the dealership. You know, they

(02:00:45):
want to keep you in the Idon't know what kind you have, man,
Now, what else? Won't theyhonor the prepaid maintenance and what else?
Yeah, the maintenance, the painsand the wheels, but all we
usually use it for as the oilchanges. And when we took it back
in for the all change, theysaid, we don't honor it anymore.
Well then then they want well listen, Kevin, Kevin, Kevin, I

(02:01:09):
don't know. I don't know whatkind you have. That's the bottom line.
If you want to send it tous. But I'm telling you that
it sounds weird. It sounds tome like that previous dealership was selling some
kind of a local, uh littleprepackage. And and if that's the case,
then that's the case. It couldpossibly be. Let us know or

(02:01:31):
send it. Kelly'll tell you howyou can get it to us. Three
all three seven one three eight twofive five. Karen, what's happening with
your swamp cooler? What do youneed? The swamp coolers are kind of
like old hat and no one likesthem anymore or not many people do.
What about you, Karen? Lookingfor a personal Yeah? Can you hear

(02:01:55):
me? Yeah? You're looking forwhat? Oh? A portable swamp cooler?
Do you know they all have anautomatic shut off feature for when you
run out of water? I don'tactually know that. I actually don't.
I would assume they're on timers.But I want to ask you something.

(02:02:17):
You're talking about, the good oldf you know, portable swamp coolers.
You see, In order for aswamp cooler to work, it has to
be in enough heat that the waterevaporates, and then the fan moves the
cooler air caused by evaporation into thehome. And I don't understand how the
portable one would work. You'd haveto have it somewhere that the sun gets

(02:02:40):
on it. Oh No, Idon't know about that. Have you actually
ever seen a portable one? I'velooked at a million of them on hitting
internet. Well, I don't thinkthey work very well, is what I'm
telling you. And the reason Ithink the reason Let me tell you why
I don't think they work very well. Is because the whole nature of an

(02:03:03):
evaporative cooler is to take advantage ofthe coolness created by evaporation. Now,
if you have it exposed to thesun, the evaporation will happen. You
will get the cooler air around themedia and it will then be able to
be that air will be able tobe fanned into the house. But if

(02:03:29):
you have one inside the house thatis portable, what you're doing is you're
using the cooler. As the airgets cooler, you're going to have less
evaporation. I mean, you willget some just because we have a dry
climate, but it's not going towork optimally. Why wouldn't you get a
portable or a window mounted air conditioner, or do you want to carry this

(02:03:50):
swamp cooler around from room to room? Well, I just I paid someone
six hundred dollars to work theme aswamp cooler, and boy if it didn't
leak all over my floor. No, No, swamp coolers are bad news.
Plus they put too much moisture inthe air. By the way,

(02:04:12):
this one I'm looking at, justthis one for example, called Economy.
It has a low water level shutoff, and in fact most of them
I'm looking at they have that.It's called a water level shut off.
I think they. I think theyfrom what I can see right now,
I think most of them have it. Now, Yeah, what are you

(02:04:41):
looking for? As far as price, Well, whatever it takes, not
thousands and thousands. Well, Imean they have them at all price ranges,
Like they have some pretty good oneson Amazon for around four hundred,
for around four hundred bucks. Theyhave some even cheaper, but they're very

(02:05:01):
little. Right, do you havean Amazon account? Well? What's that?
I don't, but I don't,but I could. How much of
an area are you trying to cool? Oh? I had it written down
here. Let me shoot, it'sas big as a single wide mobile home.

(02:05:30):
Okay, so let's say eight bywhat twenty eight by thirty and no,
eight by could be eight by sixty. How how do you know how
long you're it's eight by sixty?I would say that. Okay. Now
listen, here's what you want todo. If you're going to get something
like that, it's gonna be aboutit's going to be very inexpensive. You

(02:05:54):
can get one on icye one herefor five hundred square feet. I see
one here for one hundred and sixtysix bucks. In fact, you can
get a couple of those, putone on each end and it might work
pretty damn well. They're on Amazon. Okay. Where is your trailer?

(02:06:15):
Where is your trailer set up?What part of town? Golden? Okay?
And you do have Amazon? Right? I don't, but I could.
I would do that. Let metell you why. They'll ship it
right to your damn door. Andthe shipping is the shipping is free.

(02:06:38):
What you want to look for?It is called I'm trying to get the
name of it. This one isa really good one. It has a
lot of good features in it,and it's only one. It's prime,
meaning you can return it if itdoesn't work well. And it's the only
name I can see here is calleduh it's called portable swamp coolers and it's

(02:06:59):
in evaporate of cooler. I can'tfind the name of it. Uh.
Hey, Tom, you might wantto take one one. Okay, hold
on, let's go to Keith.Keith, go ahead, what's going on?
Keith? Hey? Tom? AmI doing? But I got a
good one. I have an aquacool that I can just give her.
It has a remote control, butshe does have to put it in the
window and you got to add water, you know what I mean. That

(02:07:20):
might be difficult in a mobile homethough, but the window ones will work
better. You know how does thewindow ones do work better? Because it's
exposed to the hot air and thesun which evaporates just exhaustco itself, you
know what I mean? But whatis it called? It's called an aqua
cool aqua cool? And how bigis it? I bought it? I

(02:07:44):
bought it a home deeple. Youknow my son a long a while ago,
he was always hot, even withthe air condition as we added that
to this room, and you know, the sun's face out of an afternoon
and that's why we l liked it. In the sun. Did it work?
Okay? Yeah? And I meanit's just you know, I own
a plumbing company. Okay, she'sin Golden, She's she's in Golden What

(02:08:05):
part of town are you in?I live at you know, Katschina,
Let's see, you know, youknow, I don't know, Karen.
I don't know, Karen. Doyou have any way if if he dropped
it off at the station, wouldyou have any way of getting that picked
up? It would take me alittle time and I could figure it out,

(02:08:31):
or maybe we can have one ofour deputies drop it off. How
far into Golden are you I live? Where are you Karen in Golden Go
with a sure thing Denver's Best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up free, no

(02:08:54):
obligation. In comparison, call CompassInsurance Paying too much your coverage at dozens
of insurance companies find out now threeall three seven seven to one. Help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Bye TomMartino, your troubleshooter three O three seven

(02:09:26):
one three talk three oh three sevenone three eight two five five. Bill's
got a comment on air conditioning?Go ahead, Bill, what's your comment?
Hey, didn't they say? Thosesaid that woman and the guy.
One guy had a swamp cooler andone guy had an The woman had an
air conditioner. They don't mix.The woman had a swamp cooler and wanted

(02:09:48):
a swamp cooler, and the guyhad a swamp cooler oh he did.
Oh, I thought they one hadan air conditioner. Well, which one
do you think had the air right? Maybe he did? I thought he
said swamp one woman had the aircondition just the guy said they used water
and one. You know, onetakes the water out and one puts water
in. No, I get it. Bro and Bill, I think both

(02:10:09):
of them were talking swamp coolers.Unless I was missed, I think so.
But thank you Bill. Mike.What's going on with you? Hello,
Mike? Yeah, I'm a littlewhile ago. You mentioned yed that
have a higher wheels repaired or replaced? Where do you get that done?
I have one that Oh okay,the dealership found the place for me.
But I think I remember the name. There are a couple really good places

(02:10:33):
in Denver that specialized what they It'samazing what they can do. They spin
them and on a lathe or theythey uh somehow soften them and and reshape
the lip there. Now, thereare certain things they can't do, but
but most of the time they cando a pretty damn good job unless you

(02:10:56):
ding them up really bad. Andyou know, I got the dealership,
as I said, what kind ofcar do you have? Alexis okay?
If you call the Lexis dealer,they have no problem telling you who they
use, but it's alloy if yougoogle. This is what I did,

(02:11:18):
but the dealership ended up saying,here's where you go Alloy wheel repair Specialists
or Aluminum wheel repair Specialists, andthere are some that are outstanding. Again,
I wish I remembered right off thebat. Damn it, I wish
I remember the ones I went to. But I'm sure if you google it

(02:11:39):
and look at the reviews you canfind out, or simply call the dealer
and say who should I use?There are some ones. There was one
really big one in town here.They're incredible. I'm trying to find it
here. Well, one is actuallycalled Alloy Wheel Repair Specialists, but I

(02:12:00):
don't know. I'm not saying thoseare the ones to go to, but
there's actually one actually called that,and where are well they seem to They
say, put in your zip code, so that could be a nationwide thing.
But so I can't tell you rightoff the hand exactly where to go.
They have Wheel Repair Specialists of Denverthat is somewhere that I'm seeing.

(02:12:22):
It has good reviews, And againyou'd have to how bad are the dings
on your wheels or the scrapes.It's a break in the rim. Uh
you mean like a crack right through. Yeah, it goes down. I
don't know, maybe or something.Oh oh, I don't know, man,

(02:12:45):
I don't know they weld and finishedthose out. I really don't know.
I just don't. But that isone area we should really pursue for
the referral list now and now withmore and more fancy wheels, holy crap,
everywhere I look now because I dingmine. I always look at people's
wheels, right, It's like ashoemaker looking at his shoes. I can't

(02:13:09):
believe how many nice cars I seewith problems with their wheels, because it's
either from parking or hitting a curbor whatever. And it's ridiculous how many
I see. In fact, Ii'll tell you what, I probably see
more that have at least one wheeldinged or dented then I do perfect four

(02:13:33):
wheels. Very seldom do you seea car with four perfect wheels. Anyway,
Thanks a lot for calling and letme know what you find. But
I think I think the dealership isgoing to be your best source. We
have one thing I want to discusswith John is health insurance because there seems

(02:13:56):
I actually got did you know Iactually got a question a one time when
I was going I forget what itwas. It was years ago, and
it was from my health insurance andit asked me it says we were retained
by such and sus to ask this. And then they asked me four questions,
And do you know what One ofthem was? Was this injury done

(02:14:18):
at work? The second one wasit as a result of a car accident?
And then there were two other questions. Why were they asking that?
John? Okay, So here's thedeal. Every time that you get in
an accident and it's somebody else's fault, if your health insurance pays out towards
those medical bills, the chances arepretty good that they have a contractual right

(02:14:43):
to get paid back out of anymoney that you collect from the right.
So hold on, I want togo with that and find out what that
means in an auto accident and asettlement. Right after this, go with
a sure thing Denver's Best roofer ExcelRoofing dot com. You don't pass se
until you're content. Time for aninsurance check up free, no obligation in

(02:15:07):
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies.
Find out now three oh three,seven to seven to one help You'll think
you're his only customer when you chooseFrank durand the real estate man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty
two. Hi Tom Martine here,three three seven to three talk. I

(02:15:35):
just want to bring up I'm notgoing to get into the whole story with
Brighton Police what. I just wantto do this follow up. Okay,
they did reopen it, they didstake out the guy, they found him,
they got the truck, and theyarrested him. Now I'm going to
give way more details on car Daytomorrow, but I wanted to let Brighton

(02:15:58):
Police know we really appreciate that theydid this. Now, did we prompt
them to do it? Did weprompt Adams County to call him right after
the show and do all of that? Look at I'm not going to rub
their nose in it when they're doingthe right thing. I do know this.
Okay. They also have found atheft ring as a result. I'm
being told now this is people closeto the investigation that I'm not going to

(02:16:20):
rat on, so right, whoI accused of not investigating this? The
case was reopened the guy that hadthe soulden truck at Adams County Courthouse.
They let the guy go that wassmoking dope. That guy is now arrested.
Now, John Fuller, let's talkabout health insurance and when you're in
an accident using health insurance and getcan they take from your settlement? Well,

(02:16:46):
the short answer, Tom is yes, but it's a qualified yes because
it depends on the type of healthinsurance. So you have a number of
different types out there, spanning froma small employer single policy all the way
up to a large mega employee that'sself you know, funded a risk a
qualified type plan. Union plans arevery very different. So the important thing

(02:17:07):
for your your listeners to take awayfrom this is that you cannot ignore the
rights of your health insurance. Ifyou have an accident and you're trying to
wade through this little process on yourown, it's critically important. If you
don't honor your contractual obligations, theycan literally shut you down and not pay
for any of your future treatment.And that's a terrible thing to set yourself

(02:17:31):
up for so, particularly with criticalinjuries. Give us a call. We
can help and we can bring alot of value to that. And that's
three all three five nine seven fortyfive hundred five nine seven four five zero
zero. Remember, folks, saveall your problems for me.