The Troubleshooter 8-12-24

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped of news, need advice so you don't happen.

Speaker 2 (00:12):
Come running just as as as we can. Shooter's gonna help.

Speaker 3 (00:18):
Come man, This is the Troubleshooter Show now, Tom Martine, Hello.

Speaker 1 (00:25):
Tom Martino here, Welcome to the show. What is going
on in your life?

Speaker 4 (00:34):
So?

Speaker 1 (00:34):
What have we got going on here? Today? We got
a lot happening, and it's really important to go over
some of the stuff that we've had so we don't
repeat the same problem. We've had a number of problems
that keep coming up over and over and over, and
I think one of the reasons is because of the

(00:56):
economy and people trying to economize and how much of
it has to do with trying to save money on cars.
So we can talk a little bit about that and
not just buying cars, but repairing cars. Now, today's not
car day, but these are things worth mentioning that we've
had problems with. Also, I want to remind you you
can call or text us at any time. If you

(01:20):
text me, I'll get it next time I log on
or whenever it comes in, and you can text us
at two numbers. Put Tom in the subject. By the way,
this iHeart texting thing. Just so you know, you can
really text at any time. And then what you can
do is put my name in there and when I

(01:40):
get here, I'll see it. So even if you're texting
during another show, it won't go to them if their
name's not there. They'll only filter by their name. So
that's going to be fine, right, So it's five seven
seven three nine. Put Tom there if you want to
get something to me. And for example, this was texted
during another show. It to me when I logged on,

(02:02):
Uh Tom, You guys mentioned a VW beetle and somebody
said it was so small you could push to start it.
This guy says on some of the old Beatles there
was a pulley on the crank shaft that was set
up so you could rope start it. Come on, is

(02:23):
that true? Rope starting anyway? Three all three seven one
three talks seven one three eight two five five. So
some of the notable things going on with repairs is
paying money up front for a repair, also not having
in writing exactly what the repair entails. I've always said

(02:45):
when it comes to and by the way, our number
three oh three Martino as well, you call twenty four
seven three oh three six two seven eight four sixty
six or three all three seven one three talks seven
one three A two five five now texting me, uh,
I gave you the iHeart number. Let me give you
my personal Google number and that is seven four seven

(03:09):
fifty two eighty seven four seven nine nine nine fifty
two eighty. So if you text there, it comes right
through here to me. Personally. You don't have to put
anything there because it's only my phone and you can
text me questions, problems, complaints, or just to comment about
the show as well. So as I was saying, when

(03:33):
it comes to repairs of a car, you actually would
not believe how many people take a car in and
they have a complaint, but they don't specify in the complaint,
in the invoice what is to be done. They put
money down, they they blindly give money up front and

(03:53):
not specify what's to be done. For example, when you
take a car in for a repair and it has
a problem, the battery doesn't charge, and they say, we're
gonna do this, or we're gonna do that, put on
the invoice or on the work order, will replace voltage regulator,

(04:16):
or will replace alternator, or will replace battery, or we'll
replace so and so to correct charging problem. Now, why
would you do that, because it kind of sets up
a mini contract. Now, it's not fail safe, but it

(04:36):
is kind of a mini contract where you can actually
say you didn't do what you said. Now, obviously, if
you need more than one part, there's nothing wrong with
paying for it. That's why another thing you should do.
Save all old parts. Now, in some cases you have

(04:58):
to pay what's called the core charge. So if you
need an alternator, you may be charged more if you
want them to save that, it's called a core charge,
or they exchange it. In those cases, use your best judgment,
or you can delay the core charge, or excuse me,
delay the core refund until you have a chance to
examine it. If there is ever a question, so you

(05:21):
put down the problem, will correct charging problem, or will
replace this to correct charging problem? Please save old parts.
Those things can help you. Now, most of the time,
with reputable shops, you're not going to have too much
of a problem. But these help ferret out the shops

(05:42):
that are kind of suspect. They know at least you're
looking and minding the store, so it gives them pause
before they think about just hunting and pecking when you
put down the problem to be corrected. Let's talk to Tracy,
who has an issue with a car accident. By the way,

(06:04):
our number again three oh three Martino three oh three
six two seven, eight four sixty six or three oh
three seven to one to three. Talk Tracy. What's happening
with you today? What's going on? Tracy?

Speaker 5 (06:18):
Hey, hey, good morning. I was I was rear ended
a very very minor accident. We were already stopped at
a light and the lady behind me started up.

Speaker 6 (06:28):
Immediately.

Speaker 5 (06:29):
Okay, can hit me in the rear in at five
miles an hour maybe ten at the most. So it's okay,
minor damage. The it's so her insurance obviously should cover it.
And it's state farm insurance. They sent me to a
state farm repair place.

Speaker 1 (06:47):
You know. Yeah, you didn't have to do that, by
the way, but right, you know. The body shops, let
me explain this. Body shops have what's called preferred shops. Now,
some people think, well, that's a preferred screw shop. Sometimes
it is what what a preferred shop will do that
a shop you hire will not do. A preferred shop

(07:08):
will try to make it as economical as they can
for the insurance company. That's all you have to keep
in mind, keep going what happened?

Speaker 5 (07:16):
So they sent they sent me to two places, and
both places said, well, they're going to total this.

Speaker 1 (07:24):
Car because that was wait, whoa, wha, whoah, it was
just a tiny What kind of car do you have?

Speaker 5 (07:31):
It's a two thousand and one Mercedes SLK, which is
a little cha and it.

Speaker 1 (07:36):
Has a two thousand and one Mercedes what it's the
Benz which model s S l K? I love those things.

Speaker 5 (07:47):
Oh, it is so cute.

Speaker 4 (07:48):
I love it.

Speaker 1 (07:48):
I love them, I absolutely love them.

Speaker 5 (07:52):
It's a fabulous car. It has less than one hundred
thousand miles on it.

Speaker 1 (07:55):
What are you kidding me? Wow, it's Mike, what a
beautiful what a beautiful little car? Listen, have you had
it privately assessed as to what it will take to
fix it, because sometimes you can make a settlement and
keep and just keep the car and fix it.

Speaker 5 (08:15):
Well, I'm actually en route as we and we're speaking.
I'm in Root.

Speaker 1 (08:19):
Were you made an offer for the car?

Speaker 5 (08:21):
First of all, no, here's the damage. The second place
said the damage was sixty one hundred dollars and that
that would probably be considered totally. The insurance company called me.
They said it's totaled and I was like, no, no, no, no, no,
it's worth way more than sixty one hundred dollars. And

(08:45):
she said, well, no, according to our third party that
we hire to do these evaluations, it's worth less than that.
And she didn't say so much. She just said, you're
not going to be happy. She said, I'll tell you you're
not gonna be happy. And I don't want to tell
you how much, because when you have once you know

(09:06):
how much, then you only have three days? And't that's it?

Speaker 7 (09:09):
Three days a work?

Speaker 1 (09:10):
Well, they're making up their own rules, Tracy, Tracy, hang
on a second. Okay, First of all, they're making up
their own rules. There's no such thing as you only
have three days? Are you in a rental car right now?
Is that what they maybe they mean they'll withdraw their
rental car? What do they mean you only have three days?
These idiots? Is this the person from State Farm talking
to you? Yes? Hang on, okay, hang on, I'm gonna

(09:32):
come back to you. Three oh three seven one three
talks seven one three eight two five five. Don't be
taking advantage of like this. This sucks By the way
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(09:56):
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(10:18):
coverage at dozens of insurance companies find out Now three
O three seven to seven to one help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three O three seven one

(10:38):
three talks seven one three eight five five. One of
the best places I find to price cars is the
open market. So I go to some of these sites,
especially at cars dot com. It's a huge site, and
what they do is they show comps, and they show
what cars have sold for and they show car faxes
and everything on similar cars. So I plug in this

(10:59):
car and I'm getting about what you I'm dying to know.
What is it? Someone please tell me what kind of
Oh it's a shady it's a two thousand, it's a
two thousand and one Mercedes Benz SLK. And now which
it's got, Well, exactly how many miles on its? Sister?
Tracey ninety? Yeah, so one hundred thousand or less. I

(11:21):
plugged in and it's worth let's see, let's put it
this way. Yes, it can be worth anywhere from eight
eight to twelve if it has way less miles different.
What model is it? Is it a three twenty?

Speaker 5 (11:38):
No, No, it's it's a two thirty. Well, okay, a
little less expensive.

Speaker 1 (11:43):
Right, it's getting close, it's getting close. But listen, if
you can find a comp that you agree with, do
you understand.

Speaker 3 (11:55):
A cop would be one you sold? Now what it's
up for sale?

Speaker 1 (11:59):
That's that's right. Yeah, these tracks, some of those based
on what they call great deals, or those trackers are
based on sales, so they say great deal, bad deal,
good deal. Hers would be much less than twelve then,
because of the smaller engine and a little higher knowledge
than I'm looking at. So, Tracy, what did they offer

(12:21):
anything yet? No?

Speaker 5 (12:24):
Because she said, once she makes the offer, I have
only three days.

Speaker 1 (12:28):
Well you don't have three days? That that's this bull crap.
I don't even Oh so what happens if you don't
settle in the three days? They take the offer away?
I mean, come on, here's the deal, Tracy. Did you
you actually have to have it? Did you have it
assessed by your own body shop?

Speaker 8 (12:46):
No?

Speaker 5 (12:47):
I'm going to an independent body shop right now, a state.

Speaker 1 (12:50):
Let's say, here's the problem. Oh my god, this problem
comes up. What if we jeez, if if it can
be fixed for sixty one hundred, what would you do?
What if it's a six thousand dollars damage? Huh?

Speaker 5 (13:08):
I would have I would.

Speaker 4 (13:09):
Have it fixed.

Speaker 1 (13:11):
Okay, Now here's the problem. If the car is worth truly,
let's say the car's worth four thousand, okay, what's.

Speaker 7 (13:22):
Worth before it was hit?

Speaker 5 (13:23):
It would be I could have sold it myself on
the street at that and any at any moment for
at least seventy.

Speaker 4 (13:28):
Five hundred at least.

Speaker 1 (13:29):
I don't think so. But if you think so, okay,
oh well okay, wait, wait, wait, wait, wait, no, no, no,
seventy five hundred might be okay, yeah, yeah, you're right,
you're probably right.

Speaker 3 (13:41):
If we could get petty, if we could get Petty
details on, we can get her a number for free.

Speaker 1 (13:45):
But it is what it is. Whatever the number is.
So let's say this. Let's say it's seventy five hundred. Okay, yeah, Now,
let's say they offer you seventy five hundred. Would you
take it, plus they have to throw in sales tax?
Would you take it? You wouldn't even take it? Okay,
you would? Okay, I say so, let's say seventy five

(14:08):
hundred now minus six thousand to fix it. Okay. If
you want to buy that back and they offer you
seventy five hundred, what will they buy it back for
salvage value? Okay, you'd have to probably pay you'd probably

(14:28):
have to pay them twenty five hundred minimum.

Speaker 5 (14:32):
Well me, you know, then i'd have a title that's
salvage title on it.

Speaker 1 (14:36):
Hold on, you can't, you can't help it. They're not
going to do it any other way. Okay. You're not
going to resell the car anyway, are you? If you are,
then don't don't bother doing what you're gonna do if
you're gonna sell it. So what difference does a salvage
title make to you?

Speaker 5 (14:54):
When I was a kid, I bought a car with
a salvage title on it, and I learned my lesson
in that you can't get you can't get insurance on it.

Speaker 1 (15:03):
Yeah you can, you can get liability and all that,
But you don't want collision coverage on this car. Do
you have collision coverage on this car?

Speaker 4 (15:13):
No?

Speaker 1 (15:14):
Then what different that's the kind of insurance you can't get.
You can get liability insurance.

Speaker 9 (15:19):
Of course, yes, But well then why didn't you just
you just said, you just said you don't want to
do this with a salvage value because you can't get insurance,
I am.

Speaker 5 (15:29):
Telling you, And and it is so difficult to sell
a car with a salvage title.

Speaker 1 (15:36):
Well, here's what I'm saying. If you plan on selling
this car, then don't do what you're about to do.

Speaker 6 (15:43):
Right.

Speaker 5 (15:43):
If I plan on keeping it until I die, then
it's okay, it doesn't matter.

Speaker 1 (15:48):
But I mean, I'm just going to give you the numbers.
You do whatever you want, Okay, math doesn't lie. I'm
just going to do it. If it's worth seventy five,
and you can argue for that, which I don't think
you can. But let's say you can. Well, well, no,
it's not that unreasonable. Let's put it this way. So
if it's seventy five you take, you give twenty five
hundred for salvage, you get five thousand dollars net. They

(16:08):
hand you a five thousand dollars check. You're gonna have
to kick in another thousand to get it fixed. Are
you prepared to do that?

Speaker 5 (16:16):
I'm sorry, I didn't understand that equation at all.

Speaker 1 (16:19):
If the car is worth seventy five hundred, they hand
you a check for seventy five hundred and take your car.
Now you say to them, I want to fix that car.

Speaker 4 (16:30):
They say to you, I have a salvage title.

Speaker 5 (16:34):
I'd have to buy it back and have a salvag title.
I don't want to do that. I would turn around
and buy another one.

Speaker 1 (16:39):
Oh okay, break.

Speaker 5 (16:40):
Seventy five hundred. Okay, because I gety research, I get it.
I can go to Florida, I can go to California.
I can find them all over, not Colorado.

Speaker 1 (16:47):
Okay, Then here's what you do. Then we argue for
seventy five hundred if we can hold on, Let's see
if we can, because listen, Tracy, this guy we're gonna
get on. He argues for people all day long twenty
but you can't make.

Speaker 10 (17:00):
It always sue the other person.

Speaker 1 (17:04):
Yees, now, now hold on, Doc, I was gonna bring
that up. And Tracy, what we call this is the
real bad guy. The real bad guy here is not
Big Brother, it's not the insurance company. It's her. So
let's say she took an asset from you that is
now worthless. Right, you have a right to sue for damages,

(17:28):
but it's still only gonna be that's right. He's worth
that's right. So let's say they offer you six thousand
or fifty eight hundred, and you sue her for seventy
five hundred plus sales text. What happens is this, You
have to bring to court evidence of what it's worth.

(17:52):
You cannot. You cannot just sue because you want more money.
What it's worth to you is not what it's worth
in the marketplace. But it may be. I mean, it's
just not based on your OPO line.

Speaker 5 (18:08):
What's that that are for sale online? Considered?

Speaker 1 (18:12):
No, not at all. Well, I wouldn't say not at all.
You have to call and see if they sold for that.
What Mark said before, I could.

Speaker 3 (18:20):
List one online right now for one hundred and eighty
million zillion dollars and it means nothing.

Speaker 1 (18:25):
So so basically it's true. It's what it sells for.
That's what petty details is all. And that's what's hard
to figure out.

Speaker 3 (18:34):
That's why you end up paying someone because you're not
going to call up some dealership and they're gonna like
give you information on the sales of their vehicles.

Speaker 1 (18:43):
It's not going to happen. And sometimes the older they are,
the harder they are to find. So hold on, uh kachina,
do we have any luck finding petty mister petty on
petty details. Hold on, We're gonna try to get them
on it right now, Thank you very much, Tracy, hang on. Okay,

(19:07):
anyone else can give us a call three oh three
seven to one three talk on this or any kind
of problem, question or complain three oh three seven one
three eight two five five. Remember, value is value is value,
no matter what you think, it's just what it is. Okay,
Frank durand the real estate man right now will tell
you what your house is worth. Right now. Houses have
gone up a bit because interest rates have ticked down,

(19:30):
sales have stepped up. Frank Duran will give you a
free analysis of your home, what it will sell for,
what you'll net, what you can buy. Frank durand the
real Estate Man dot com three oh three nine two
zero sixteen twenty two. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a

(19:51):
cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call company insurance paying too much
your coverage at dozens of insurance companies find out now
three three seven to seven to one help. You'll think
you're his only customer when you choose Frank durand the
real Estate Man dot com to list your home with

(20:12):
Remax Alliance three three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter. Well, until we get petty details,
we won't go back to this call. There's no sense
rehashing it. But it's the age old problem. You're in
an accident. What's it worth? And remember the one I

(20:35):
want to talk about, the ridiculous one we came up
against one time when it comes to pricing cars and
buying them back. But at least Tracy's not trying to
be silly. She just wants to buy another car, but
she thinks hers is worth seventy five hundred. But we
had a guy one time with an old pickup truck
that he restored. What wasn't total restoration like a hot

(20:57):
rodder anything. It was just a nice car that he
had a truck and it was parked in front of
his house. Now, this was an old truck. I could
look it up, but I don't have the exact details.
But it was an old truck, but you know, it
didn't have that many miles on it, and he loved it.
Some guy was driving by and smashed into it. Now,

(21:20):
the company made him an offer and said, okay, you
get twelve hundred dollars for this truck or fifteen hundred.
He said, I don't want fifteen I mean I love
this truck. I'm going to get it fixed. So he
wanted to buy it back. Now you remember Mark, They
offered him fifteen hundred. He said, I want to buy

(21:41):
it back. They said, well, it'll be about fifteen hundred
and salvage. Because when they get that old. That's basically
what they were offering. So he said, what does that mean?
And here's in essence what it meant. Think about this.
You're at home, minding your own business. Somebody knocks at

(22:01):
your door. Mister insurance man says, we destroyed your truck.
But guess what you get to keep it. I swear
to God that was it. You get to keep it
because they offered him fifteen hundred, but he had to

(22:22):
pay fifteen hundred to get it. Then he had to
get it fixed on top of the fifteen.

Speaker 3 (22:28):
So well, in essence, so they were giving him what
it was worth fifteen hundred.

Speaker 1 (22:33):
Right, and then he was buying it back. You're right,
I mean by his decision. Yeah, but basically it's akin
to this, Mark, we destroyed your car, you get to
keep it. Yeah, I know, it just sounded weird.

Speaker 3 (22:49):
You know why because the salvage, the parts value, was
probably worth more.

Speaker 1 (22:53):
Than the vehicle in a hole. Oh my god. Anyway, Mark,
do you remember the thing I see on her vehicle? Though?

Speaker 3 (23:00):
Everything I'm on KBB right now, private party, I put
good condition, and I have no idea what kind of
condition it's in. But you know, you're talking thirty five
hundred to six grand.

Speaker 1 (23:12):
Mark. I'm not seeing that, man.

Speaker 3 (23:14):
I mean, now, like that's that's basically what every dealership
uses to value a vehicle.

Speaker 1 (23:21):
But I didn't know they went back that far. But
all I'm saying is this on on cars dot com.
I'm not saying they're the end all, but what they
do is based on their own sales. Okay, So they
keep data bank of everything on their site that has
been sold, or I guess they profess to try to.
And then they compare what is being asked to the

(23:43):
market and they claim that this one, which is an
O one SLK two point thirty, has seventy thousand miles
on it, they want eleven nine or twelve grand, right,
and they're saying this is a great deal and it
should be. The average is thirteen thousand. So if that's

(24:05):
the case, hers with more miles, okay, thirty thousand more,
would it be worth that much less? I don't know,
but these guys on the marketplace used cars are going
for more than usual. By the way, they do have
salvage cars. Now, that's one of the things they're doing

(24:29):
on cars dot com. People don't understand that and they
literally have salvage vehicles, so you could buy yourself a
salvage vehicle and fix it up, and you know what,
one of the number one salvage vehicles are on their
market going for screams ferraris because no one wants a

(24:51):
damage Ferrari. You could actually buy a Ferrari and fix
it and be way ahead, but you'll never sell it
to a true officionado. You'd have to keep it. I mean,
you truly have to keep it. But it's one of
the best deals around because Ferrari people are freaky about
cars that have had damage. But did you know that

(25:14):
cars dot I sound like a commercial form, but it's
kind of cool that they have salvaged a section for
salvaged vehicles. Now, so Kitschina helped me out here. Is
he not available? Is he calling back? Give me a hint.

Speaker 11 (25:31):
I haven't been able to get a hold of him yet,
but I'm still working on it.

Speaker 1 (25:36):
So you call and leave a message. Is that what
you're doing?

Speaker 11 (25:40):
And texting?

Speaker 12 (25:40):
Yes?

Speaker 1 (25:41):
Okay, thank you. So that's one of the hey togs.

Speaker 10 (25:45):
Do you get my message?

Speaker 1 (25:46):
Okay? Go ahead? Yeah, let's do that. Go ahead?

Speaker 12 (25:49):
Is interesting. I have a friend who's about eighty years old.
When he was eligible for Medicare, he couldn't afford the payments,
so he never got Medicare.

Speaker 1 (25:59):
That's right. That happened to my brother. By the way,
as my mom would say, God rested go ahead.

Speaker 12 (26:04):
It would cost he would have to pay penalties for
the past twenty years.

Speaker 1 (26:08):
Basically, well, it's cost prohibitive. After ten years, it's cost prohibitive. Right.

Speaker 12 (26:13):
So the question is if he meets all the qualifications
for Medicaid, can you still get it or und you're
over sixty five, you're not eligible.

Speaker 1 (26:23):
You know what? Actually I never thought of that. We've
had people who did exactly the same thing. They wanted
to keep all of their money, so they didn't allow
for you because you can't be forced to take it,
so they didn't pay for it. Let's ask that's a
great question. Actually, would an older person then be on

(26:46):
Medicaid or would they say nope, you should have gotten medicare.
That's a great question, and we should ask Integra Insurance. So, Kelly,
if you could call in Tegra Insurance, we would love
to talk to them about, uh, this dilemma when you're
older and you don't pay I believe one of them

(27:08):
is given to you, the other one you pay for
on Medicare. On Medicare, then Medicaid is solely based on income.
But that's a good question. And if that's the case,
then one would say, why wouldn't everyone do that then
and just keep more of their money?

Speaker 12 (27:27):
Well, because Medicaid is income based, so a lot of
people wouldn't be eligible because they make too much money.

Speaker 1 (27:36):
No, But what I'm saying is is that if people,
if everyone just kept more of their Social Security and
didn't pay for that premium, then they could all get Medicaid.
If that's the case. So I don't know what the
answer is, but we're going to find out. Three oho
three seven one three talk seven one three eight two
five five. Kelly was asking what kind of car that is? Kelly,

(28:00):
that's a two thousand and one Benz SLK. Okay, and
it's the two thirty. So it's a Benz two thirty
SLK with ninety seven thousand miles on it. I put
it up on the call screener and so see if
that'll help petty details come up with the price. I'm

(28:21):
Tom Martino, by the way, Denver Regen dot com. Stem
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(28:44):
pay a cent until you're content. Time for an insurance
check up free, no obligation comparison call Compass Insurance pain
too much your coverage at dozens of insurance companies. Find
out now three O three seven to seven to one. Hell,
you'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your

(29:05):
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three oh three
seven one three talks seven one three eight two five five. Okay,
we're waiting for petty details for a car evaluation. We
have Amber on the line for Evolve construction. But I
got to go to John Jones for this quick question. John,

(29:28):
when we when we turn eligible for Medicare, what do
we pay for? If we choose to take Medicare? Do
we pay for Part A or Part B?

Speaker 4 (29:38):
Part B? For most people?

Speaker 8 (29:40):
Some people who haven't don't have enough work hours have
to buy into Medicare. But the vast majority of people,
you're only paying for Part B part eight of three.

Speaker 1 (29:50):
Okay, So Part B is a premium every month. And
what does Part B cover?

Speaker 8 (29:56):
Set your outpvisient care, so labs, physician services, X rays.
You know, you your doctor's visits, office, visits, things like that.

Speaker 1 (30:04):
And what is Part A Part A?

Speaker 8 (30:06):
Hospitalization?

Speaker 1 (30:08):
So if you didn't pay for anything, you would always
get Part A? And when does that kick in? Well,
so you.

Speaker 8 (30:16):
Only automatically are given it if you're receiving Social Security
so otherwise you have to apply for it.

Speaker 1 (30:22):
But that's what I mean. If you apply for Part
A right, right? And what does it cover? It's free,
what does it cover?

Speaker 8 (30:30):
The partay cover hospitalization?

Speaker 1 (30:32):
And when does it kick in?

Speaker 8 (30:35):
When does your initial enrollment period for most of it?

Speaker 1 (30:37):
Now, when do I actually get coverage.

Speaker 8 (30:43):
The first of your birth month?

Speaker 1 (30:44):
Okay, I guess I'm not being strang. Okay, hold on,
it's not your fault, John. Let me communicate this in
a more clear manner. When do I actually receive a
bene fit when I go to urgent care, when I'm
in the hospital for a day when I have outpatient
surgery when.

Speaker 8 (31:06):
Yes, sir, so yeah, if you if you're hospitalized, then
it runs through and you're give them your Medicare card.
It runs through, It runs through Medicare and deductibles and well, no,
it applies. There's deductible under Medicare Part A. There's an
additional and that's for your first sixty days in the hospital,
and then you have days sixty one through ninety and
then ninety one through one hundred.

Speaker 1 (31:26):
Okay, So it's varied, but there'll always be there will
always be some out of pocket, right John, Yeah.

Speaker 8 (31:32):
And potentially if you only have A and B, or
if you only have A, I mean there's potentially unlimited
out of place if you're in the hospital for more
than one hundred and fifty days lifetime, Medicare pays nothing.

Speaker 1 (31:42):
Okay, thank you. Now, if I don't pay the premium
for B and it goes on for like ten years
or or even longer, do I real is it cost
prohibitive to get it? Uh?

Speaker 8 (31:58):
There's certainly a penalty. It could be very It could
it could be expensive to get it, but I mean
if you don't then I mean it could be comprohibitive,
do not have it depending on what you're doing.

Speaker 1 (32:10):
I get it. But now we got a guy that's
eighty that never had it, and now the premium is outrageous.
He wants to know, since he has no income other
than I believe social Security, will he be eligible for
Medicaid or do they say no, no, no, we can't
play that game.

Speaker 8 (32:32):
He'd have to look it medicates. You know, your state
based based on your income, state based coverage based on your.

Speaker 1 (32:38):
Can't they say to him?

Speaker 8 (32:39):
Or not?

Speaker 1 (32:39):
Can't they can't they make him go to Social Security first,
or say, hey, everybody could do this.

Speaker 8 (32:48):
No, not everybody. I mean a lot of people do
have income and do have income above Medicaid is a
pretty low limit for income. You're looking about sixteen hundred
dollars a month roughly sixteen ish two hundred dollars a
month for income, and you're not eligible for medicaid.

Speaker 1 (33:05):
If it's another question than John. If you're eighty and
the outrageous premium for Part B is there and you
have a little more income than you can get for Medicaid,
then what about private insurance? Could that actually end up
being cheaper than Part B?

Speaker 8 (33:26):
Or never you can't if you're eligible for Medicare, you
can't get the individual family markets for under age sixty
five or special circumstances out that.

Speaker 1 (33:35):
But yeah, okay, so the lesson here is to get b.

Speaker 8 (33:44):
Sure absolutely well for it or when you become eligible
for it absolutely So.

Speaker 10 (33:49):
John, should I tell my buddy to apply for Medicaid?

Speaker 1 (33:53):
How much does he make?

Speaker 8 (33:55):
He makes sixteen months his income, he makes.

Speaker 1 (33:58):
Less than sixteen hundred a month. So basically, basically, John,
we should tell people don't pay for Part B. If
you make less than sixteen hundred a month, you'll always
get Medicaid.

Speaker 8 (34:09):
Oh no, no, no, Medicaid can help pay Part B premium.
And so if you're le for Medicaid, absolutely you still
need Part B.

Speaker 1 (34:19):
Okay, Well, that's what we're asking. So if he has
a hospital bill, if he has a hospital bill, Medicaid
won't cover him fully.

Speaker 8 (34:30):
Well, if it's hospital what depends, It depends how many
days he's been in the hospital.

Speaker 1 (34:34):
But no, it will well or medical bills. Maybe I'm
saying that's wrong, John, free too.

Speaker 8 (34:39):
But yeah, and if he has like outfisions care, think
that you're going to be out of pocket a hundred percent.

Speaker 1 (34:43):
Right now, but Medicaid only pays a week. We got
to come back to this because I am confused as hell.
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison

(35:05):
call Compass Insurance. Pay too much your coverage at dozens
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 estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two Ripped news. So

(35:32):
you don't have.

Speaker 2 (35:35):
Come run in as fast as you can. Shooter's gonna
help come.

Speaker 1 (35:42):
This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino,
Your Troubleshooter. Three oh three seven one three talk three
oh three seven one three eight two five five. This
hour brought to you by waters, You and how I
feel about them. I think water is essential not only

(36:03):
for your body, but for your house, your laundry or everything.
I mean, without good water, you basically have more repairs
to do and your laundry takes longer to get clean showers.
Do you use more soap? It's terrible. A full water
softener thirty four hundred bucks fully installed. You'll never get
better quality at a lower price. Three zero three eight
six two five five five four Also drinking water waterpros

(36:29):
dot Man, Hey, so listen. John Jones Jr. With Integra
Insurance was helping us understand what happens to people if
they don't take Part B Part A is hospitalization. Part
A is not adequate coverage for a normal senior. It does.

(36:51):
It is provided free if you apply for it and
if your medic medi if your Social Security pretty eligible,
but it doesn't pay for a lot of hospital expenses.
It pays for some of them. You could end up
with an extraordinary bill if you don't have other insurance,

(37:14):
so Part B. Part B pays for doctor's visits and
other things, but Part B doesn't pay for a lot. However,
it is premium based and as a senior, they take
it out of your Social Security benefit, but you must
apply for it now. Some people choose not to have

(37:34):
money taken out of their benefit. They need it to
live on, so they don't sign up for B. If
you don't sign up for B, it's going to be
difficult to get it in the future because if you
try to fool the system and put it off for
ten years, you could end up in very, very big

(37:57):
trouble by not having it, because you're going to be
surcharged to a point where the premium becomes very very expensive. Now,
if you think you can get around it by buying
private insurance, you can't because if you're eligible for Medicare,
you can't get private insurance. So I'm asking Integra Insurance Group.

(38:19):
If someone is eligible by income for Medicaid, does Medicaid
pay for the doctor's bills you would incur for not
having Part B or does it simply help pay for
the premium of Part B?

Speaker 8 (38:38):
John, It can do both and so you be dual eligible,
so you're eligible for both Medicare and Medicaid based on
that income whatever those incomes thresholds are for an individual,
for a couple, and it can absolutely can help. It
coordinates with Medicare A and B the for the healthcare

(38:59):
and healthcare cost, and then it also helps their Part
B bring.

Speaker 1 (39:02):
It okay, Then it seems to me, John that it takes.
I think the government is trying to encourage people to
sign up for Part B, and that is why they
have the penalties that accrue if you don't.

Speaker 8 (39:17):
John, Yes, sir, I'm sorry I lost you for a second.

Speaker 1 (39:21):
Here's what I said. It seems to me the government
encourages seniors to sign up for Part B, hence the penalties.
They want you to sign up. Okay, Well, then it
also then seems to me, on the other hand, the government,
through Medicaid, is encouraging that you put it off because
there doesn't seem to be a consequence because Medicaid will

(39:43):
help pay for the penalty plus help pay for your
medical bills. So what is the consequence of waiting till
eighty to sign up for Part B? Did we lose him? Yeah,
I don't sound like I don't think we're destined to
get an answer for this, and it's not his fault.

(40:05):
I just think the system is ft. I mean, it
seems to me the whole reason for the penalty is
to make sure we have aggregate premiums to help spread
the losses. But now I'm hearing that if you wait
till age eighty and you have penalties, well, guess what,

(40:28):
Medicaid swoops in and they'll help you pay your premium
and they pay your medical bills. So I want to
know the benefit of signing up for me early. And
I think every senior listening does call them back if
you can, please, or let's get someone else to talk
about this. And it's not their fault. And Tegra is

(40:49):
just telling me what it is. But does it sound
logical to anyone? I mean that you can put off
when everyone else is paying that premium. You can put
it off because you are you need to keep your
money and you don't care about the penalty, and then
we all end up paying your penalty. Does that make
sense to anyone? Well, the government did get involved. Yeah,

(41:14):
so it doesn't make sense, is what you're saying. Amber.
And by the way, is petty details. Should we just
forget about him and try to find someone else as
far as valuating this car for her? So update on that.

Speaker 11 (41:27):
I have texted him several times and called him several times,
and I think he's unavailable.

Speaker 12 (41:34):
Yeah, Tom, let me just say one quick thing.

Speaker 10 (41:40):
There are very few people at age eighty.

Speaker 12 (41:43):
Who are going to be under the sixteen hundred dollars
a month limit between probably Social Security and whatever else
it's most it's going to really cut down the number
of people who are eligible for what we were just
talking about.

Speaker 1 (41:58):
Well, I would say that if anyone makes under that
they should not get Part B, they can't afford to
live if they do right to medicaid with that totally.
So maybe it'll work out just right. So I don't
know what to do with Tracy here. We need to

(42:18):
She just needs to contact them directly. Tracy, we can't
seem to get a hold of him. But he'll valuate
this car. But remember this, it's only going to be
worth what it's going to be worth. You're not going
to win the battle alone. Unless you can show through
maybe a half a dozen recent sales that cars like

(42:42):
you sold for more, it can be done. Mark had
his reevaluated without petty details when they all was massive difference,
like seven eight grand. But you did it on your own.

Speaker 5 (42:56):
God, wow, can you hear me?

Speaker 1 (43:01):
Yours is? Yours isn't going to be that high there, right?
I know?

Speaker 5 (43:05):
But then if nothing.

Speaker 3 (43:08):
Else but listen, listen, if you call them, they will
give you a fair value of what your vehicle is.

Speaker 1 (43:14):
That's it, and it won't cost you a nickel.

Speaker 5 (43:17):
Okay, but I but I didn't realize prior to this
that it is a scam. Scam, there's an incentive for
state farm to No, there's not.

Speaker 3 (43:27):
Your vehicle is worth Listen, I just simply don't agree
with what you're saying. If they're willing to give you
what the vehicle is worth, that's all they need to do.

Speaker 1 (43:37):
Because you value it.

Speaker 3 (43:38):
Higher in your own mind means nothing.

Speaker 6 (43:42):
Okay.

Speaker 5 (43:42):
But if they let's say, okay, the damage is six thousand, right,
say they gave let's say they gave me five thousand
or six thousand, Okay, but now they got the title
and they turn around and they sell it at auction
for two, three, four thousand whatever. They have less money
than if they had had it repaired, so they have

(44:03):
an incentive.

Speaker 1 (44:04):
It still is only worth to you, but they it's worth. Yeah,
but they tracy. If they if they paid you six
grand or five grand and then sell it at auction,
you're assuming they're not going to get five or six
You're right, they probably won't, So I don't understand how
they think. So let's say they sell it for three

(44:26):
to Chlod's or some big salvage yard or they sell. Okay,
so let's just say they lose two grand by paying
you and selling it at auction. Now, your theory is
what that if they pay two grand to you, it's better.

Speaker 5 (44:41):
No, My theory is that it's a scam that they
have an incentive to totally rather than pay for the repair,
even if the repair is the exact value.

Speaker 4 (44:52):
Of the car.

Speaker 3 (44:52):
Tom, I have no idea how you argue with that,
if god, I.

Speaker 1 (44:56):
Could bring up any exactly what she's saying is.

Speaker 3 (44:59):
If they I'm not looking Bill, they'd owe you a hundred.

Speaker 1 (45:04):
She's not looking at the difference. Tracy, what you're saying
doesn't make mathematical sense. If they pay you for the damage,
you're keeping the car, you're you're neglecting that. But if
they paid you for the damage while it's total, they
get to keep the car, they're actually gaining the salvage
value where they're not if you keep the car, So

(45:26):
it's not the same. The dollars don't make sense of
what you're saying. And by the way, I'm not arguing
with you wanting to get what the car is worth.
But no matter what you feel about the car, you're
not gonna get what you're feeling. You're only going to
get what is what.

Speaker 3 (45:44):
Her argument is. I under where I understand where she's
coming from. But it makes no sense. She's saying, I
just want to get the car fixed, even if it
costs ten thousand dollars.

Speaker 1 (45:55):
They should fix my car, even if the value is
only six. No, they're not. She's not saying that.

Speaker 4 (46:01):
Saying that.

Speaker 1 (46:02):
She's saying that if they're willing.

Speaker 5 (46:04):
Rather total it, there's a reason they would rather total it.
It costs them less money. Even if we talk about
the same dollar figure, Tracy, doesn't cost them less money.

Speaker 1 (46:15):
Mark, It's not the same dollar figure, Tracy. It's never
the same dollar figure. Totaling your car is one price. Okay,
fix it, but when they total it, they get the
salvage value. When they pay the same amount for repair,
they don't get the salvage value. So how is that

(46:37):
the same.

Speaker 5 (46:39):
If the car let's say, let's say they total it
at six thousand, but the repair is six thousand, right, okay, right,
and so and so they say, well that's a total loss. Right,
So they they give me six thousand for the car.
Now they own the car, and they get money.

Speaker 1 (47:00):
Back by right, that's right. So it's not so it's
not the same dollars. It's not the same dollars. You're
saying they're incentivized four.

Speaker 5 (47:10):
Thous Now they're out only four thousan or three thousand
or howmever much they get from that.

Speaker 1 (47:15):
That's right, that's right. They're out less than if. That's
why they don't pay for more than something is worth.
That's right. You're absolutely right, and may have, but you're
making no sense. You're making zero sense. You're saying they
should overpay me for the value of the car because
they're going to make less money than if you're saying
they're incentivized to make more money. Absolutely they are, but

(47:39):
they can't do it if your car was worth more,
if your car was worth more than it is, they
can't just salvage the car. It has to make mathematical sense.
If the damage is equal to the value of the car,
they can total it. Tracy, I'm sorry, when we're at

(47:59):
a fundamental we're at a fundamental wall. You don't understand
the math in this what they have to give you,
forget what their incentive is. They have to give you
what the car is worth. Period that's all they owe you.
That's all they ever owe anyone is what the car
is worth. Then they sell the car after they buy

(48:22):
it from you. They buy it from you based on
the value one minute before the accident. Then they sell
it for what it's worth. Now that's the way it works.
If they gave you the repair cost, they have nothing
to sell. Do they make more money? Sometimes? Sometimes they don't.
If your car is worth twenty grand, they couldn't. They

(48:43):
couldn't buy it from you for seven. So you're just wrong.
I don't know how to put it. You're wrong. She
thinks it's wrong that they're incentivized. They're not incentivized. Math
doesn't incentivize it, just whether it makes sense or not.
No one is gonna pay more than a car is worth. Ever,

(49:04):
and you're saying, well, six is not more than it's worth.
It'll just fix it. But then they don't get the car.
If they're gonna buy the car from you, they want
the car. I'm Tom Martiano, we have more what hold on?
One more thing?

Speaker 3 (49:18):
The other thing is, let's say it's fifty five hundred
and the car's worth six grand. The reason they would
still total it and most companies do up around that
twenty five thirty percent is they have a body shop start.

Speaker 1 (49:30):
Working on it.

Speaker 3 (49:31):
Then all of a sudden, that fifty five hundred becomes
ten thousand, and then they spent more to repair it
than if they did buy it out.

Speaker 1 (49:39):
Now, listen, something you can do, Tracy, Okay, call Petty
Details and have them value the car or sue that
woman for whatever you think it's worth. Sewer sewer directly
because you don't have to deal with the insurance company,
and then let a judge decide what that car's worth.
But it's not going to be based on your opinion.

(50:00):
I'm gonna talk about evolved construction coming up for Amber.
She's been patient. We'll take her right after this. Go
with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for

(50:20):
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens 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 Estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino your

(50:46):
troubleshooter three O three seven one three talks seven one
three eight two five five So Todd. One of my
YouTube warrants says, I have to agree with the lady caller.
Insurance pays up to the value of the car. This
is payment for the damage. If they want the car,
then they have to purchase the car. I don't even

(51:07):
understand what you mean. The lady caller didn't say that
she wanted them to pay for the damage which equals
the value of the car or exceeds it, and she
wanted to keep the car. So it doesn't even make sense.
The way insurance works is you're supposed to be one
hundred percent reimbursed at the end of the transaction. I

(51:29):
know it doesn't they try to get out of that.
I grant you that. I grant you that, But if
you get into an accident, never mind. I'm going to
take Amber. Then I'll explain. Amber. Go ahead, You've waited
long enough. What's going on with evolved Construction? Amber?

Speaker 6 (51:43):
Hi?

Speaker 4 (51:43):
How are you? Hi?

Speaker 1 (51:44):
Amber? I'm sorry for the way What's going on.

Speaker 6 (51:46):
It's okay.

Speaker 7 (51:47):
So there was a storm and like August of twenty
twenty three, and the town my mom lives in, and
at least five people that we know of hired Evolved Construction.

Speaker 6 (52:01):
They went and and are.

Speaker 1 (52:02):
They roofers cards?

Speaker 7 (52:04):
I think that Evolve Instruction hires subcontractors.

Speaker 1 (52:09):
Okay, how did she get in contact with Evolved Construction?

Speaker 7 (52:14):
She was at the library and people were handing out
business cards.

Speaker 1 (52:18):
That's a novel at the library.

Speaker 7 (52:21):
Yeah, and and other people were approached that we know
of that they had people come up.

Speaker 1 (52:28):
So your mom got a card and called Evolved Construction.

Speaker 6 (52:31):
Yeah.

Speaker 1 (52:32):
And by the way, it's not uncommon for companies to
go out and sell contracts to subcontractors. Not unusual at all.
I don't like it. But because you never know who
you're dealing with, Evolve could sell it to anyone they want.
So what happened?

Speaker 7 (52:49):
So she hired them. There was an insurance adjuster that
came out and had her sign a bunch of paperwork.
He said, Okay, the con tractors will come out. He's like,
I'll try and get Wait a minute.

Speaker 1 (53:03):
The adjuster that came out, hold On wasn't from Evolved.
The adjuster was from an insurance.

Speaker 7 (53:08):
Company, right, Nos, from Evolved?

Speaker 1 (53:11):
Well, no, there is no such thing as an adjuster.

Speaker 7 (53:14):
Oh okay, Well I'm not sure what he was. Then
I do know that he did work for Evolve and
he did this to the other people as well.

Speaker 1 (53:26):
So what did he do? What exactly? He's an estimator?
What did he do? He came out?

Speaker 7 (53:31):
Yeah, so right, so he looked at all the work
that needed to be done. He said, okay, yeah, we
can do all of this. I can call your insurance
company and we'll request more money. We'll get them to
give you more money to get more work done, and
then we'll get the contractors out here.

Speaker 1 (53:48):
Okay, and then what happened?

Speaker 7 (53:51):
So in my mom's case, the roofing contractor came out,
they finished the roof, the downspouts, the eve troughs, and
then left, you know, like one hundred and fifty nails
all of her yards, left trash everywhere.

Speaker 1 (54:07):
How do you know it was a subcontractor.

Speaker 7 (54:12):
This is kind of what I'm putting together from.

Speaker 1 (54:14):
Okay, So, so theofing, the roofing, the roofing subcontractor left
a mess. But did they do the roof.

Speaker 7 (54:22):
Yes, they did do the roof, and then there was
other jobs that evolved was given money for. In my
mom's case, it was twenty around twenty seven thousand dollars wait.

Speaker 1 (54:33):
In addition to the roof, there was twenty seven.

Speaker 7 (54:38):
I think all together it was twenty seven that that come.

Speaker 1 (54:41):
Well, how much, here's what I'm interested in, amber and
the nails and all of that. Crab. Unfortunately, there's not
much we can do. But here's what we can here's
what we can do. Did evolve get money for work
that was not done?

Speaker 12 (54:57):
Yes?

Speaker 7 (54:57):
So they were also supposed to redo the sighting on
her entire house and repair windows and the facia and
they never came back. They're impossible to get Did.

Speaker 1 (55:09):
The contract list siding work and windows?

Speaker 6 (55:12):
Yes?

Speaker 7 (55:13):
And this is with like my friend's mom. She paid
them thirty five thousand dollars they did the roof, but
they never did Yeah.

Speaker 1 (55:24):
So a lot of times this is not unusual. This
is not unusual for these creeps to do this. They
they they they get a contract, they put in a
lot of estimates, they get paid. Sometimes they get paid.
Did they actually get paid the money or does the

(55:45):
insurance still have the money for this? Extra work.

Speaker 7 (55:48):
Insurance paid them.

Speaker 1 (55:49):
They got all how do you why would insurance paid
Why would insurance paid for jobs not done?

Speaker 7 (55:56):
I'm not really sure because like in my mom's case,
like she gave them money for the roof and then
they also contacted the insurance company and the insurance company
paid them an extra eight thousand dollars and she's not sure.

Speaker 1 (56:11):
No, I'm asking this. I'm asking this. So you're saying
that Evolved Construction got paid for a lot of stuff
they didn't do. We got to concentrate on that. Okay,
so all of that stuff is still undone, right, so
what does Evolve? Oh no, no, no, you go ahead?

(56:32):
Is there more?

Speaker 3 (56:34):
Right?

Speaker 7 (56:34):
So they have no physical ad. They have a PO
box in Port Collins. They you call their number, you
leave messages. We know two workers that work for them,
and if they do have an answer the phone, it's
only because you said you needed new roofing work done.
And then when you tell them, hey, you never finished

(56:56):
the job, they're like, oh, yeah, we'll take care of it.
We'll call you back, And they never do. If you
leave them at a review on Google Reviews, they.

Speaker 1 (57:05):
I only see automatically when I go to Evolveconstruction dot Com.
Is that the same company?

Speaker 7 (57:13):
I think?

Speaker 10 (57:14):
So it's they only.

Speaker 1 (57:15):
Show a location in Denver. They don't show a location
up north.

Speaker 7 (57:19):
I have Evolved Construction and Restoration Company and on Shield Street.
And that was on all the cards that my mom
had Shields Streets, Shield Street, Suite one thousand, number eight,
one nine.

Speaker 4 (57:35):
So then the one.

Speaker 7 (57:37):
Worker my friend left a bad review and they found
her name and her mom's name, and they have been
harassing them, telling them that they're gonna see them for slander.
They're lean on her mom's house.

Speaker 1 (57:50):
And then they okay, I see Shield Street in flight?
Is this in Fort Collins? Shield Street and Fort Collins?
I do see them? Okay, okay, so this is this
is the one that's national. And then they have offices
all over and so anyway they have right now, though,

(58:13):
does she have someone she's working with at that place?

Speaker 7 (58:20):
A specific The person she was working with said he
quits and now she can't get a hold of anybody.

Speaker 1 (58:29):
And she said, you know, if truly it's against the
Contractors Trust Act. It's against the Contractors Trust Act, and
it's insurance fraud if they put in for money that
they did not and they did, they got paid, and
they didn't do the work. Okay, so we need to
get someone to help you out with this. This this

(58:49):
is uh, we we should help you out here.

Speaker 7 (58:52):
But and I know of at least five people in
the town that they've done this too.

Speaker 1 (58:56):
And then I wait, there are five people who they've
collected money from, but they did not do the work right.

Speaker 7 (59:06):
One they dropped palts off in front of her house
and left them there and never returned. And then since then,
she passed away in July. So now I have no
idea what's going to happen with that.

Speaker 1 (59:16):
Can you get a list of the other victims or
have them call the show? Sure?

Speaker 7 (59:21):
Yeah, I can get a list of them. I don't
think you from full comfortable.

Speaker 1 (59:25):
Of Okay, just get a list of them. Get a
list of them. How much do you know how much
the roof was done? Do you know how much they
collected from your mom that wasn't done?

Speaker 7 (59:39):
I know, she just told me total they took twenty
seven thousand, and that was supposed to cover everything.

Speaker 1 (59:47):
Okay, and then you don't know how much that is.
You don't know how much of that was the roof? No,
do you have a copy of her contract.

Speaker 7 (59:55):
I can get it.

Speaker 1 (59:57):
Okay, let's give this to Deputy Dollar. Hold on a second, hey, Kachina,
let's give this to uh. Let's give this to Deputy
Dollar to look into supposedly these people. Okay, they did
this to five other families. Okay, Okay, we're gonna definitely

(01:00:22):
look into this. Uh and they're out of uh. Hold on,
I'm making a note here. Okay, go ahead, Deputy Deputy Dollar,
Thank you, Amber. Hold on, and we're going to try
to see what the hell's going on. We got more
coming right up, Hey, Tom, go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay

(01:00:45):
a cent until you're content. Time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens 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 estate Man dot com to list your

(01:01:06):
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter three all
three seven three talk seven one three two five to
five eight eight eight heating dot Com. You can't say
too much for honesty, value and just great people. If

(01:01:27):
you have an air problem or furnace coming up eight
eight eight heating dot Com now doing plumbing three oh
three seven seven zero two seven seven six All right,
Sam the man he wants to give props to Rod
over at JFR Cars. What's going on there? Sam?

Speaker 4 (01:01:47):
Hey, Tom, I want to give kudos to you and
to Rod as I call last week.

Speaker 8 (01:01:53):
About having to do the fate of taxes on a
used car.

Speaker 3 (01:01:56):
Yeah, and run a nice sat down and we got
everything taken care of and everything is great.

Speaker 1 (01:02:02):
Good. Yeah, they're good people. Normally, what happens with taxes
is dealers collect taxes on certain deals. They're not necessarily
required to pay them. I don't believe on cash deals
except for state tax. But whatever it is, I think
it should all be uniform no matter what. In my opinion,

(01:02:25):
I think people should just pay when they register. But
in your case, they question go ahead.

Speaker 9 (01:02:33):
That was my question when I had called you, if
I paid them or if they paid them.

Speaker 1 (01:02:37):
Yeah, you know, kudos to you and your shoe in. Hey, Sam,
what did you buy, by the way, word, what did
you buy.

Speaker 4 (01:02:46):
A uh my, actually, matter of fact, you bought a car.

Speaker 1 (01:02:48):
For my daughter. What did you buy?

Speaker 4 (01:02:50):
A Ford Escape?

Speaker 1 (01:02:52):
Okay, cool, I got a Ford Escape and got rid
of all conquera Volkswagen. Yeah, man, No, an Escape is
a pretty good car for Colorado for sure. Uh three
oh three seven to one. What's that? Yeah, Dinger, that's right, danger,
thank you? Three oh three seven one three eight two
five five.

Speaker 12 (01:03:13):
Hey, So if you go to Evolve Construction lawsuits, there
are a couple of lawsuits pending against that company, you.

Speaker 1 (01:03:21):
Know, Evolve Construction. I hope Dollar digs into this, because
the more I'm looking at him, the worse off they seem.
I wonder what their BBB rating is.

Speaker 10 (01:03:34):
I looked it up.

Speaker 12 (01:03:35):
They're not accredited by the Better Business Bureau, so they
get an F and there were.

Speaker 1 (01:03:41):
Wait wait wait do they have an F on the
Better Business Bureau?

Speaker 12 (01:03:44):
And one thing it says they're not accredited, so I
think they want to.

Speaker 1 (01:03:48):
That doesn't oh wait wait wait wait Evolve Construction. Actually
it says this business is not accredited. But you don't
have to be accredited to get an F. They do
have an F though, I'll have to admit that this
is one time I've seen the Better Business Bureau actually
give someone an F. My god, they must be bad

(01:04:09):
for it to get an F from these people.

Speaker 12 (01:04:11):
Why do you just see how many complaints elicted with
the BBB?

Speaker 1 (01:04:15):
My god, yes, yes, evolved construction. Okay, you know what,
this is going to be a possible sleeze brigade. I
gotta mark that down, man, I gotta mark that down,
sleas because it's disgusting how many people are upset with them.

(01:04:37):
So I urge people to let them know you heard
about them on the show. You don't have to be vulgars,
just let them know, say hey, I heard about you
guys on the show. I don't mind that. And by
the way, I want to revisit this medicaid thing. Integer
Insurance sent me stuff here on part A and part

(01:04:58):
B and how it works and what happens when you
don't have income and you're older, and there's a whole
bunch of information here, so stay tuned for that. I'm
Tom Martino three oh three seven one three eight two
five five Go with a sure thing Denver's best roofer

(01:05:20):
excel roofing dot Com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your 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 choose Frank Durand the real

(01:05:41):
estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martina here three oh three seven one three
seven one three eight two five five. Okay, so when

(01:06:05):
we're talking about storm damage, Okay, people, I'm gonna I'm
gonna say this the best. I can never allow people
ever to get paid from insurance ever directly. Never you're
you need to stay in complete control of insurance payments.

(01:06:27):
Too many times construction companies take control of your money.
In fact, if you have a lot of damage that
extends to more than the roof, well maybe there are
times you should engage another company that that does the

(01:06:49):
other stuff, or get a public adjuster. Now, Genesis happens
to do multiple things, so you can get a lot
done from Genesis. Tootalexteriors dot com because they just do that,
but most roofers don't. So don't let a roofer control
the budget, or don't let a general contract or subcontract.
In fact, here's what I would do. I would never

(01:07:13):
sign a contract at the door, never ever ever sign
a contract with a company that subcontracts out everything. And
now let me be clear on this. Excel Roofing and
other good people, they have subcontracted crews, but they're not
subcontract but they are taking full responsibility and have their

(01:07:35):
own project managers and their own people. You see, that's
a totally different ballgame. With Excel Roofing. They are in
control of everything. So they might have subs here and there,
don't get me wrong, but believe me when I tell
you it's the same subs they've had for years and
years and years and years, and they have their own
project managers overseeing every single job. Okay, that's important, But

(01:07:59):
what I mean by this is when people go to
the door, knock on the door, and then get you
to sign something, and then they sell the contract, or
they sell portions of the contract, you don't ever know
who you're doing business with. Now, Evolve Construction warning, they
have terrible ratings terrible complaint history. Even the antiquated Dinosaur

(01:08:26):
Better Business Bureau, even they give them an f wow
three zero three seven to one three talk is our
number seven one three eight two five five, and again
it's important. Now let's go to some other things that
come up in this accident. Okay, I'm getting some text

(01:08:48):
on this accident, and if you miss that, you can
text me directly anytime on my personal Google number, which
by the way, does forward to mysell Maybe I shouldn't
have told you that, so I get these twenty four
to seven seven four seven, nine fifty eighty. I've decided

(01:09:09):
to open that up for public use because no one
seems to be abusing it. I love it. You can
ask me questions. I have someone listening right now that
has been asking about insurance. If we could get compass on,
I'd like to answer this question about insurance for delivery
drivers and bride share. I know we've gone over it before,
but there are some very specific questions this person has

(01:09:33):
now on Medicaid. I may not have enough time to
Medicare to say this, but in essence, if you need
assistance with Medicare premiums, whether or not you've put it off.
You can get it through medicaid if you meet the
income requirements. There I said it all so if you

(01:09:55):
meet those income requirements, it takes the sting out of
the delay in getting those be benefits without paying the premium.
Do you have any questions? Give me a call. We
have more coming up on the Troubleshooter Show. Go with
a sure thing Denver's Best Roofer Excel Roofing dot com.
You don't pay a cent until you're content. Please time

(01:10:19):
for an insurance check up free, no obligation comparison call
Compass Insurance paying too much your 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 choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two rip You needed that?

(01:10:49):
Who you don't have? Run anxious as can? No Shooter's
gonna help. Come is the Troubleshooter Show. No Tom Martino, Martino,
Welcome to the show. Three all three seven one three
talks seven one three eight two five five. This hour

(01:11:10):
brought to you by renew home Innovations dot com. The
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(01:11:57):
Chris has a tenant landlord question, But first I want
to go to Jeremy from Compass Insurance Group. Jeremy has Jeremy,
I have a question on text again. I'm telling people
you can text me, and you can text me at
my Google number or at the number four iheart's text
and iHeart. You just have to put Tom in there

(01:12:19):
and that's five seven, seven thirty nine, and then my
Google number. You can text me personally seven four seven
nine nine eighty. I got a text saying what happens
to car insurance if I want to deliver to door
dash or Amazon for Amazon or door Dash? Is it
the same as ride SHARE's, Jeremy, how does it work?

(01:12:41):
Do I have to tell my insurance what goes on?

Speaker 4 (01:12:44):
Yeah? No, you definitely need to tell your insurance. Every
company is going to be different. Most companies break apart.
Ride share, like Uber or list is going to be
different than food delivery. So we do have some companies
that will all consider it the same risk, but most
of them are going to be two different coverages. So

(01:13:05):
you definitely want to make sure you have that on
your policy if you have it.

Speaker 1 (01:13:10):
But with Uber or Lyft or ride share, they provide
insurance if you don't, right, In other words, you don't
write it from there. Usually these drivers once they go
on the clock, their personal coverage ceases, right.

Speaker 4 (01:13:27):
Well, they have the different stages. So if you're in
stage one, which I believe is basically like the app
is on, that typically is not covered under the coverage
they give you, or you could get from them, So
there is like there could potentially be a gap where

(01:13:48):
you could add the ride share in your homeowner's policy.
That's covering that gap. Then like stage two as you're
going to pick someone up, and that might even be
outdated because I haven't looked at that.

Speaker 1 (01:13:59):
Well, do you guys have customers that ride share and
do they pay a premium?

Speaker 6 (01:14:04):
Oh?

Speaker 4 (01:14:04):
Absolutely? Yeah?

Speaker 1 (01:14:05):
I mean do they pay a higher premium than normal?

Speaker 4 (01:14:09):
Well, it's just the coverage they would add on, So
it's typically fifty bucks a year. It's nothing crazy. Okay,
You're going to cover that gap that their ride share
insurance they're getting does not cover.

Speaker 1 (01:14:23):
And that gap is when they turn off the app
and they're waiting.

Speaker 4 (01:14:28):
When they're shooty on but they're actively not picking someone.

Speaker 1 (01:14:32):
Oh I got it, I got it. Okay, they're in
between rides, got it. And then when they're just going
to the supermarket, then their own insurance covers it, right correct? Okay,
Now for food delivery, does it work kind of the
same way. Do you know do these like door Dash
if I'm delivering, does my own insurance cover or does

(01:14:54):
door Dash provide?

Speaker 4 (01:14:55):
Do you know your own insurance is not going to
cover that you can certain companies will have that coverage.
You could add, I'm not as familiar with like what
door Dash offers, you know, similar to what like Uber
would offer. I'm sure it's something, but yeah, just on
a standard auto policy, there's gonna be no coverage for

(01:15:18):
food delivery.

Speaker 1 (01:15:20):
Okay, thank you. I appreciate that, Jeremy. And that's home
of the Insurance Checkup Compass Insurance Group three oh three
nine nine six nine thousand. A lot of people are
doing insurance comparisons right now because of the market. It's
crazy out there for insurance. Crazy now, Chris, Welcome to
the show. I'm Tom Martino. Anyone else who wants to

(01:15:41):
call three oh three seven one three talk seven one
three eight two five five, or you can call three
oh three Martino twenty four to seven. Chris. What's happening?

Speaker 4 (01:15:53):
Tom? Yeah, Hey, thanks for taking my call. Long story short,
I'll try to give it brief. But the little old
lady down the road from my house lives like four
houses down. She lives on her own, she's like eighty something.
She has a tenant that's been renting her basement from her.
And longsty short. This tenant he's been going crazy making

(01:16:16):
threats to her. The way we got involved and connected
with all this is the other day the old lady
called my wife and was freaking out because she was
having a panic attack because this guy was going like
berserk on the old lady. And the guy actually got
up in my wife's face and all this well, longsty short,
this guy after reaching out in searching on.

Speaker 1 (01:16:36):
You, would you call it? Would you call it like
raging on this old lady?

Speaker 4 (01:16:42):
Yeah? At this point, at this point, yeah, from everything
she's described as well as what he did. My wife
even kind of stalked her.

Speaker 1 (01:16:48):
Why, okay, she can get a restraining order.

Speaker 4 (01:16:51):
If we got the TPO on Friday, got it, try
to serve him this morning. But then from there obviously
moving forward with a cheap we're trying to get him
served by the sheriff again tomorrow. If not, we're going
to have a buddy of Now.

Speaker 1 (01:17:04):
When you say trying to get him served, you said
he's at that basement, right, Yeah, he's.

Speaker 4 (01:17:09):
At that basement. But the sheriff couldn't come out to
like eight ten today and he left the house this
morning at eight o'clock.

Speaker 1 (01:17:17):
You can't, did you ask the sheriff if you could
serve him since you're unrelated.

Speaker 4 (01:17:22):
That's yes, I believe we can. I'm gonna be on
the twenty second she wants me.

Speaker 1 (01:17:26):
Although you want to be careful, right, Chris, you don't
want to get yourself and I mean this guy could
be dangerous, right.

Speaker 4 (01:17:32):
It's this guy he is and that's what concern is
looking back. And we've been talking with his ex girlfriend
who's back into the women's shelter that he was actually
assaulted her and it was charged with battery. So he's
on probation now to Denver from last year with a
bunch of other drug tarts.

Speaker 1 (01:17:45):
Let me let me add man this, how did she
meet this guy to rent her the basement?

Speaker 4 (01:17:51):
I'm looking at my wife on his own I probably
Facebook or something. And this guy is a low life
of literally just a total drugs What does he rage
about out a little bit? Everything problems with the house.
Least is a scammer. So he told his ex girlfriend
and we've been talking with his ex girlfriend or the
old lady has that he's preciously like, goes around. He

(01:18:14):
even said, oh, let's go to the problemware to go
find some old people to scam or whatever it was.
And we have all this proof in the.

Speaker 1 (01:18:19):
How did you find the old girlfriend?

Speaker 4 (01:18:22):
Uh, she's so she was living with him, she is
now or not she was, she's now at the woman's
ster I believe, Holy.

Speaker 1 (01:18:34):
Crap, it's no, no, no, no no. So you've got
the temporary restraining order. You got to get this. I mean,
somebody's got to get him served.

Speaker 4 (01:18:44):
That's almost Tell me.

Speaker 1 (01:18:45):
Tell me about the guy. Tell me, tell me about
the guy. How old is he?

Speaker 4 (01:18:50):
Uh, Thomas, She's thirty seven. He's like a contractor through
a Denver and Castle Rock or inspector or something. He's
been arrested like once, most recently was for the domestic
abuse last year with his girlfriend, but then also and
floored a bunch of drugs like morphine charges, controlled substance,
more domestic and from there he's absolutely insane. And what

(01:19:14):
I've found is the other day, how I really got
involved was he had that freak out on my wife.
But then from there that next day Roan tells me
he ended up falling her out of the neighborhood and
then down the street a little bit from us, at
a four way stop, he pulled up next to the
side of my wife at the stop sign on the
wrong side of the road, rolled his window down, just
waving at her and just acting kind of kooky, and

(01:19:37):
then followed her and I just tailgated her. And that's
when I kind of was like, Oh, shoot, what are
we doing? Like, what are we doing with this guy?
So I sat in the driveway waiting for him to
get home. He comes home, I'm thinking we're about to
throw some blows because I was going to call him out.
And then what I decided was let's take the high road,
and I just killed.

Speaker 1 (01:19:54):
Now, you don't want to get into a fight with someone.
But is he dangerous?

Speaker 6 (01:19:58):
Is he?

Speaker 1 (01:19:59):
Well, any he could be dangerous. But what I mean
is is he a big guy? Is he kind of nasty?
What you know?

Speaker 4 (01:20:05):
Is he he's he's a little guy. He's probably like
six foot tall, bad back, but he's not like a big, nasty,
like biker looking guy. But he's definitely a psychopath to
be honest. He's very manipulative.

Speaker 1 (01:20:18):
And it's so, so, what's your plan, Chris? What were
you calling us about? What can we do to help?

Speaker 4 (01:20:23):
Yep? So we at the GGO. She wanted to have
the sheriff serve it for us. We had the sheriff
come out this morning, and I guess he want to
do two or three times they come out. She was
wanting to wait for the sheriff again tomorrow to try
to serve him in the morning, and if not, then
I was gonna get a buddy of mine to serve him.
But it sounds like at this point with the text
that he comes through this afternoon, this this guy's not good.

(01:20:45):
So my question would be, yeah, we probably should just
find someone to serve him tonight when he gets home.

Speaker 1 (01:20:50):
Yeah, but man, he could explode. I would ask for
officer assists.

Speaker 10 (01:20:55):
Does he have a firearm?

Speaker 12 (01:20:56):
Yes, because maybe you can use that that rick taglaw.

Speaker 4 (01:21:00):
Yeah, what is that one?

Speaker 12 (01:21:02):
Remember we are if you think someone is a danger tom,
they can take away your guns.

Speaker 1 (01:21:07):
Yeah, but right now, all we want to do is
get him out of that place.

Speaker 10 (01:21:11):
Well yeah, but in the meantime the.

Speaker 4 (01:21:12):
Guns are one thing. He's starting to burn down the
house though, So that's also like the more bigger concern
of like him being like this. And I guess the
lady that gave him a reference for him moving into
this new place was another old lady that he did
the same thing to and manipulated her, and she was
so scared. That's why she gave a good review of
this guy, because she was so scared. And it's it's

(01:21:35):
absolutely insane, Tom, Like, we're standing there tonight. I put
a couple of my ring cameras up at her house
last night because she's that freaked out.

Speaker 1 (01:21:42):
And listen, I don't know if it's safe for her. Listen,
when you got to have an officer assist, when you
guys man, when you guys serve this guy. Hold on,
Becky wants to make a comment on this, Becky, what
is your take on this?

Speaker 6 (01:21:57):
Hello?

Speaker 13 (01:21:58):
So, I am an in home private care nurse and
this is the elder abuse. They need to contact Douglas
County Department of Human Services and give her information.

Speaker 1 (01:22:13):
I'm sorry, did he mention it was Douglas County? Did
he mention it was Douglas County? Benky, I didn't get
the rock. Oh, I'm sorry. Okay, Okay, we're gonna.

Speaker 4 (01:22:21):
We're we're in Colorado Springs. We're el Paso County.

Speaker 1 (01:22:24):
Okay.

Speaker 13 (01:22:25):
Oh is she does she live.

Speaker 5 (01:22:26):
In Colorado Springs?

Speaker 4 (01:22:29):
Yeah, we're Paso County.

Speaker 13 (01:22:30):
Yes, Okay, contact royl Paso County Department of Human Services
and let them know that she is being she's an
elderly person and she's being abused by a tenant, and
they will get somebody out there immediately.

Speaker 1 (01:22:46):
They will. How do you know this? By the way, Becky,
how do you know this?

Speaker 13 (01:22:50):
I'm also an assisted living administrator and I have turned
many people in for elder abuse.

Speaker 1 (01:22:58):
Wow. It probably goes on more than we know, doesn't it.

Speaker 6 (01:23:02):
It does.

Speaker 13 (01:23:03):
It's very it's so sickning.

Speaker 1 (01:23:07):
Gosh, see Mark, you can get in trouble and the
assisted living facilities, Yeah, happen.

Speaker 13 (01:23:13):
And I turn everybody in that I see it happening.

Speaker 1 (01:23:17):
I appreciate that. Becky, Chris, would you let us know
what happens? Please? Okay? I mean, we're not going to
drop this, but please call us back and let us
know what happens. Okay.

Speaker 4 (01:23:28):
Yeah, So we'll give you this all back. And it
sounds like, you know, correcting what I'm wrong, even if
we wait till tomorrow to get the TPO, like it'd
be great to have the sheriff there. But at the
same time, I don't know if we should try to
serve them tonight. But no, one's sure when he's going
to be home tonight. So then it's kind of like, well.

Speaker 1 (01:23:44):
Do we know where he works? You said he works
somewhere as an inspector?

Speaker 4 (01:23:50):
Yeah, it's a for other companies? Who works for you
as his own company? Called? Was it?

Speaker 1 (01:23:55):
Don't tell us right now? Hold on, not yet, don't
tell us yet of the name of the company. But
what does the company do?

Speaker 4 (01:24:02):
Uh, he's just like a general contractor slash property inspector.

Speaker 1 (01:24:06):
Okay, give us that information off the air, okay, so
we can have it. Yep, the record that you call, please,
is this woman very Is she shaken up?

Speaker 4 (01:24:17):
Oh? She's like like it's bad to him, like it's Jesus. Yeah.
And this guy is that being that crazy and psychopaths
Troggi and he's like bipolar to where like, yeah, we
actually are concerned. And my concern too, is the sheriff
this morning left their card and then noticing do you
need to contact us for hurding? Uh no, no.

Speaker 1 (01:24:34):
No, no, no, no no where do you leave the card home?

Speaker 4 (01:24:36):
To that note and freak out.

Speaker 1 (01:24:38):
I would take that card. I would take it, honest
to god.

Speaker 4 (01:24:41):
I oblivious.

Speaker 1 (01:24:43):
I would not let him see that card. At all.
I think that's bad judgment. I cannot believe they did that,
especially knowing how explosive this guy is. Man, we can't
do that.

Speaker 4 (01:24:57):
No, I'm saying, also thinking out loud too. It's like, say, tonight,
because we're staying the night over there tonight. If he
starts acting up or anything, I'm calling I one one
to get a sheriff out there, because we're techne.

Speaker 1 (01:25:07):
Yeah, but you guys got to be careful too, Chris.
I mean, seriously, Chris, you guys have to be careful
staying there. I mean, I'm not saying you shouldn't, but
be really careful. Now. I hate to even suggest this,
but do you have a firearm for self protection? Oh?

Speaker 4 (01:25:24):
Absolutely? I got my shotgun and bear spray.

Speaker 1 (01:25:26):
Okay, good, bear spray. Good. Then you don't kill anybody, Okay, listen.
I don't know. I think you're doing the right thing,
but you got to be extremely careful, you know, situations
like this, This is where this is where people should
really start, you know. And thank you for getting involved
for this woman. Man, Is that is that kind of you?

(01:25:49):
Holy crap? I think it's so important. Three oh three
seven one three talk, stay in touch Man three oh three, Becky,
thank you very much for your suggestion. Since we have
more coming up on the Troubleshooter Show, go with a
sure thing Denver's Best roofer Excel Roofing dot com. You

(01:26:12):
don't pay a cent until you're content. Time for an
insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens 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 estate Man dot com to

(01:26:33):
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino here three
oh three seven one three Talks seven one three eight
two five five. How can we help you? That's what
we ask each and every day for those of you
tuning in, this is a show that helps people solve problems,

(01:26:54):
answer questions, and take complaints. And uh, I know, as
there's a TV in town that was keeping track of
problems solved. They got up to around seven hundred thousand dollars.
Now I applaud them, and I applaud anyone who wants
to do consumer advocacy. I think it's a wonderful thing.
The more the merrier. Perhaps we should all get together

(01:27:17):
as an organization of people who want to help people.

Speaker 10 (01:27:20):
We could call it the Better Business Bureau.

Speaker 1 (01:27:23):
Yeah right, The Better Business Bureau is such an insult
to today's technology and formats of better stuff. I mean,
just you know, here's the thing we should call it, seriously,
the Consumer Club? Get it? The Consumer Club or the
Consumer's club. That has a double entendre there? Hey, Tom, Yes, sir, well,

(01:27:48):
I asked about the gun.

Speaker 12 (01:27:49):
You're familiar with the red taglow right that if somebody
has a firearm.

Speaker 1 (01:27:54):
Heven, how do you know they have one?

Speaker 10 (01:27:55):
Well, that's why I asked.

Speaker 12 (01:27:57):
If Chris knew that if firearm, he could get that
taken away and then the guy would have to prove
that he's not a threat, which he obviously wouldn't be
able to do, but at least he would get the.

Speaker 10 (01:28:09):
Firearm out of his hands.

Speaker 1 (01:28:13):
Again though, See, Okay, I understand what you're saying, Doc,
and I have no problem with helping people to stay safe,
but I just don't know how we go there. All
I want to do is get him out of that house.
That old lady is threatened and feels bad and the
neighbor is so nice to help.

Speaker 3 (01:28:31):
Don't you think the cops would remove him?

Speaker 1 (01:28:33):
Then? Well, they do have a temporary restraining order they're
trying to serve on him. Mark Ah, they got to
find him. Yeah, well he lives there, but they didn't
find him home. Couldn't you just put it on the door.
I'm not sure, you know what. I don't think you
can actually, but that's a good question. They did put
the card on the door. We need to talk to

(01:28:54):
you as soon as possible. But man, I wouldn't do
that because this guy could automatically assume this woman's out
to get him. Blah blah blah.

Speaker 3 (01:29:01):
And yeah, the bottom line is we just don't know
how crazy.

Speaker 1 (01:29:05):
This guy is. I know it, I know it, and
that's what scares me.

Speaker 3 (01:29:11):
We had a call. God, it's been years, man, the
mother called on the son. She called into the show
and I ended up driving down to Colorado Springs.

Speaker 4 (01:29:20):
Oh.

Speaker 3 (01:29:20):
Yes, he was hacking Loogi's in his mom's face and
just I mean that was like one of the small
things and the cops didn't want to do anything about
it until I went down there. And called KRTV news
and we were going to light it up and they
came out and they removed him from the house. But
it was hard to get done. Man, I know.

Speaker 1 (01:29:41):
It got one woman. Do you remember? She's called a
few times since then? This guy was such a creepy
Was it his mom or grandmother? Wasn't it? Or We
had two of them?

Speaker 3 (01:29:51):
Now, okay, his mom, because he had to be around
thirty or forty, I'd say more around forty.

Speaker 1 (01:29:56):
You know, Mark, we had two of them. We had
two then remember the one with the great on that
she was out that was east Yep, yep, and she
was helping one's son and then his son and he
stole the car. Oh god, they were taking such a
you know, listen, people, if ever you know of any
situation like this, please let us know and we'll do

(01:30:16):
what we can. Three oh three seven one three talk
seven one three A two five five is our number.
And we've had a lot of actions so far, but
now calls have lullged. You can get right through. You
can also text me, of course, and I want to
give that out seven four seven nine nine nine fifty
two point eighty or five seven seven three nine out

(01:30:38):
that's a short coat. Two separate numbers. Now on something
that where is it? I have it right here? Oh
do you know that Happy Birthday? There was a lawsuit settled,
but I don't understand where the fourteen million went. But
a global music publishing company they claimed to hold the
copyright to Happy Birthday. But guess what, They now have

(01:31:04):
to pay fourteen million dollars because apparently they didn't have it.
The settlement puts this song into public domain. But I
guess the people who had been collecting money for it
it was thrown out the copyright. Wow. So a US

(01:31:28):
district judge said that the company never acquired the rights
to Happy Birthday, but just purported to be the owner.
Can you imagine that no one checked until there was
a lawsuit? Holy crap? Holy And now they have to

(01:31:51):
give up the claim and pay fourteen million dollars. I
wonder how much they collected over the years. But that's
Happy Birthday to you? Is now happy Birthday to whoever?
Where do they pay the fourteen million? It doesn't say
that actually, I guess to the company who sued him.

(01:32:11):
Somebody must assued him. But in any case, let's see
the big winners. Of the ruling were movie studios and
filmmakers who got together and they were targeted because they
had the songs in some of their movies. So they
got together to sue this company challenging the copyright that

(01:32:35):
they supposedly had. How the hell do you fake a
copyright like that? We have more coming up on the
Troubleshooter Show. By the way, I want to take this
comment first, Becky, what is this comment on this elder
abuse issue that we just took. What is your comment? So?

Speaker 13 (01:32:52):
I just had one other recommendation. He can also Chris
can call the Passo County Police and tell them that
they need to do a well check on his neighbor,
and then he can explain something so that they are prepared,

(01:33:15):
can send a couple.

Speaker 6 (01:33:16):
Of officers to do a well.

Speaker 13 (01:33:18):
Check on her, and then they can explain to the
officers the issue.

Speaker 1 (01:33:24):
Why do you think he kept talking about that? I
forgot to ask him this. He talks about the sheriff's
department more than he does the police department. I don't
understand that part. Well, the sheriffs, they're so the sheriff.
The sheriff's department can do civil service like you know,
they can serve people, but the police department. You're right,
they also have to be called the police department.

Speaker 13 (01:33:46):
Yes, I think that he's wasting his time with the
restraining order because action needs to be taken now, and
it's not.

Speaker 1 (01:33:56):
But would they take action just on her word and
their word?

Speaker 4 (01:34:01):
Yes?

Speaker 6 (01:34:01):
Absolutely.

Speaker 13 (01:34:02):
Elderly abuse is so rampant right now that they take
us off seriously, very seriously.

Speaker 1 (01:34:11):
Okay, Hey, Becky, I wish you sound like you know
what you're doing when it comes to this issue. I
wish you would leave your number with Katchina in the
so we can call you now and then if we
ever have an elder absolutely, oh great, thank you. Hey, listen,
get her number eight. It put her down as an angel.

Speaker 3 (01:34:31):
What's it is possible that that part of Castle Rock
is unincorporated and that's why the sheriff it was.

Speaker 1 (01:34:36):
Is Colorado Springs. But you're right, it could be that
it was. It's not in the city limit. You're right, okay,
So what we'll do is take Becky's number for future
issues like this. We got more coming up on the
Troubleshooter Show three O three seven to one, three eight,
two five five, Go with a Sure Thing Denver's best

(01:34:59):
rufer Excel roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three O three seven to seven to one. Help. You'll
think you're his only customer when you choose Frank durand

(01:35:20):
the real estate Man dot com to list your home
with Remax Alliance three three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter. Hey, more on that Happy Birthday,
Happy Birthday suit. The song Happy Birthday the company that

(01:35:43):
had to that. Okay, Warner Brothers did not fake it.
Warner Brothers is the one that has to pay these damages.
Warner Brothers thought that they purchased the rights. According to
the suit, the song was written by the way. This
song was written by Mildred and Patty Hill in eighteen

(01:36:05):
ninety three. Okay, and it was called Happy Birthday and
Happy Birthday to you all. Okay, now you know that right, Okay?
So they sold Patty and Mildred sold this song to
Clayton Summy and it was for ten percent of the

(01:36:28):
sheet music. So the company that Summy founded was purchased
by Warner Music Group. Meanwhile, Mildred and Patty died, so
the only ones with any assemblance of rights were Warner Brothers.
And that was back in nineteen ninety eight, and since then,
Warner has been collecting copyrights every year, millions of dollars

(01:36:54):
every year. However, the lawsuit says, nope, nope, nope, nope, nope.
That was only for a limited version of it, and
they were not entitled to all those copyright fees that
they've collected over the years. The lawsuit argued that the
there was a piano arrangement in nineteen thirty five, not

(01:37:18):
the song itself. This was significant because Warner has been
collecting millions of dollars every year, so the judge said,
you don't own it, you gotta pay. By the way,
this was started in twenty fifteen, this lawsuit, it took

(01:37:39):
this long to get through the courts, when back and
forth and back and forth, and Warner has to pay
fourteen million dollars ca Lee all because of Happy Birthday. Hmm. Anyway,
three zero three seven, one three eight two five five Okay.

(01:38:00):
So on another note, I was on cars dot com
and I noticed a site and it said salvage vehicles, right,
because I was trying to look up some salvage things.
People are telling me this as a scam, but it's
called Globalauctions dot Com.

Speaker 3 (01:38:21):
Mart think it's a scam. It's simply an auction.

Speaker 1 (01:38:25):
Yeah, but it's oh yeah, of course it is. But
what I'm saying is it's extraordinary what you can buy
some of these damaged cars. For see it says engine
damage on one of them. It does talk about damages
on some of them.

Speaker 3 (01:38:40):
And the more important part is look when the bidding stops,
most people that are serious at an auction come in
the last half hour. I mean, if it ends in
five days, in the BID's four hundred dollars, it means nothing,
is my point, No, no, no, no, no, you're right,
that's not good. Go to time ending soon. Then you
start seeing realistic prices.

Speaker 1 (01:39:02):
Okay, cool, but on some of them, oh yeah, there
are no buy now as you're right. But I wonder
how many of these actually sell because it seems to
me some of these can be you know, you can
you can repair them and have a pretty damn good car,
you know. But here's the point. When it comes to

(01:39:24):
exotic cars, there are aficionados that only want the luxury
cars with less than two thousand miles on them. Over
two thousand, they depreciate drastically over ten or twenty thousand,
forget it, forty or fifty thousand, then only want to
bees buy them. But the damaged and repaired ones only

(01:39:46):
want to best buy opposers, you know, because they can
get into it for less than someone spending four or
five hundred thousand. But anyway, that's so, it's a yeah,
it is a It is a legit site for auctions,
and they do have salvage cars and they're pretty interesting.

(01:40:07):
They have not just salvage cars, but all kinds of
different kinds of weird auctions on big like exotic cars
and boats, heavy equipment and all of that. Anyway, I
find it fascinating. We have more coming up on the
Troubleshooter Show. Get your calls in three oh three seven
one three Talk three oh three seven one three A

(01:40:29):
two five five probid energy dot com. Speaking of solar,
if you want a great solar company, they can help
you with commercial or residential probid Energy dot com. Go
with a sure thing Denver's best roofer Excel Roofing dot com.

(01:40:49):
You don't pay a cent until you're content. Time for
an insurance check up free no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three all three seven seven to
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to

(01:41:10):
list your home with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom Martino here three
O three seven one three talk seven one three eight
two five five. So we're getting a lot of suggestions

(01:41:33):
for this eighty year old woman where a rager she
rented to in the basement. She was given a reference
to this guy from another old lady who was afraid
of him and wanted to get rid of him. That's
kind of sad, And apparently this guy is violent, bipolar,
poses a threat Alpasso County. Chris, the neighbor wants to

(01:41:57):
help her. He got a tear, They went to court
and got a tro They haven't yet served him. They're
afraid he's going to explode. When they do, they need
to get an officer assist. That's happening. Another thing we're
hearing from people who have been ripped off by Evolve Construction.
It all started with a complaint we got from Amber

(01:42:20):
about her mom hiring these people, and Evolve Construction seems
to be a ripoff company. From what we can tell.
There are many lawsuits against him. They have terrible ratings
and they take money and keep a lot of it
without doing the work. They do some basic work so

(01:42:42):
they don't just out now, keep the money and run,
but they collect for all sorts of damage but end
up doing just the roof through some subcontractors. These are
definite candidates for the sleaze brigade. But warning people put
the name down Evolve Construction, be careful. Okay, Evolve Construction. Okay.

(01:43:08):
On another thing, people are saying Tom when it comes
to an accident and valuing the salvage, that they always
overcharge the consumer when they want the car back because
they know they'll pay more than the actual salvage is worth.

(01:43:29):
So please advise consumers to get a true salvage value
that can be negotiated, and I imagine it can be
for example, when they're paying you, let's say ten grand,
saying we're going to total this and you want to
keep it and try to fix it. Okay, Well then
you might be thinking I want to keep it, I'll
buy it back. They make sense that you'll pay more

(01:43:52):
than let's say a salvage yard. So what you ought
to do maybe is call a few salvage yards and
see what they would pay for that same vehicle as salvage.
It's like, tell them you have a wreck and you
want to sell it and see what they're willing to pay.
Maybe that'll give you a better salvage value. I'm Tom Martino.

(01:44:15):
We got more coming up on the Troubleshooter Show. Get
your calls in at three oh three seven one three
talks seven one three eight two five five, and don't forget.
You can call three oh three Martino at any time
three O three six two seven eight four six ' six.
We have more coming up on the Troubleshooter Show. Go

(01:44:41):
with a sure Thing Denver's Best Roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation in comparison call
Compass insurance paying too much your coverage at dozens of
insurance companies. Find out now three all three seven seven
to one help. You'll think you're his only customer when

(01:45:03):
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Yeah, ripped of.

Speaker 6 (01:45:18):
News.

Speaker 1 (01:45:19):
You need advice so you don't have.

Speaker 2 (01:45:23):
Come runs A cam Shooter's gonna help coming.

Speaker 1 (01:45:30):
Man six is the Troubleshooter Show. Now, Tom Martino, Hi,
Tom Martino here, Welcome to the show. This hour brought
to you by Excel roofing as in excellent e x
C E L. You know I had Excel for the
heck of it. Look up in my attic. This is

(01:45:51):
an important story for everyone. You know, I always talk
about ventilations. So I have a whole house fan which
works in an excellent fashion. And I assumed that my
attic was good because you know, my air conditioning worked
well and all that, but just for the hell of it,
on these really hot days, it was a you know
that that's without the whole house fan, that upper floor

(01:46:13):
got really hot, and I thought, why would I have
to use a whole house fan like with a normal house, right.
I mean not that I didn't like it. I love
having the whole house fan, but they went up there
and my attic was like one hundred and thirty degrees
or something. It was ridiculously hot. And it turns out
it wasn't up to code as far as venting. Now,
I'm not suggesting that you know, you have to have

(01:46:36):
it up to code, but I mean your ac will
work harder now. Even though I have the whole house
fan and it was doing its best to and it
kept the upper floor pretty cool, but attic ventilation is
important to keep your whole roof system working well. So
I'm having them fix that. I mean they're doing a
major thing with the venting and the roof now, Excel

(01:46:58):
of course you want for your roof, okay, but when
they do your roof, they look at your roof system,
and you know it doesn't cost a lot of money
to pop in an attic fan to assist with ventilation
in your addic and help your entire home. And of
course just and if all you need is roofing, that's
good enough reason to call them as well. But I

(01:47:20):
just thought i'd give that out there, because it's for
sure excelroofing dot com threeho three seven sixty one sixty
four hundred and I have a lot of text for
some reason, a lot of text here. Let me get
to them. And people want to know. First of all,
is it true that you can be arrested for sharing

(01:47:44):
food at a restaurant on an ail you can eat Now?
I did a search and found one such. I can
only find one in the entire country. Someone said they
were threatened, but they're an Applebee's that did arrest someone

(01:48:05):
for sharing the the appetizers, the endless appetizers, and she
was sharing them with her table and as a result
she they told her to stop, and she didn't stop,

(01:48:27):
so they called the police. And anyway, so basically there
there were, there was a woman and her endless appetizer
was coming to the table. It's all you can eat
for fifteen ninety nine, and it was double crunch shrimp

(01:48:49):
tender riblets and boneless buffalo wings and then a bottomless
portion of fries. You're not supposed to share with anyone
at the table. So this person says, you know what,
it can't be that important, right, So she paid fifteen

(01:49:09):
ninety nine, and she went ahead and shared. And then
what happened was one of the other patrons complained and
supposedly Applebee's called the police and she was given.

Speaker 12 (01:49:26):
They should have just given everybody at the table a
bill for fifteen ninety nine.

Speaker 1 (01:49:32):
But this is weird.

Speaker 10 (01:49:33):
I think that would be the logical thing to do, Tom.

Speaker 1 (01:49:36):
I mean, let's put it this way. With although I
haven't heard much about shoplifting anymore, I was going to say,
with people shoplifting the way they do, But have you
noticed we haven't heard a lot about shoplifting anymore. I
mean truly, we haven't. And that used to be in
the news all the time. So have they cracked down
on shoplifting? I know one thing, it's really inconvenient. Have

(01:49:59):
you gone to a super you see? I hardly ever
go to a supermarket anymore. I go and have it delivered.
I like having King supers delivery, or I do Amazon.
But have you been to a supermarket lately, any of
you guys? I go every week, Tom, have you noticed
they locked up the laundry detertion. I've noticed they've locked
up certain things. I usually go to Walmart and King

(01:50:21):
Soup how do they decide what they're going to lock
up them?

Speaker 12 (01:50:23):
I guess they must have a history of what's being
tampa with.

Speaker 10 (01:50:27):
But I went to even get a you know, the
old room, and it was locked up.

Speaker 12 (01:50:31):
And both King Supers and Walmart they'll have security guards
and the King Soupers ones are armed.

Speaker 1 (01:50:39):
Yeah, so I don't think they're putting up with it anymore. Well,
does anyone notice that? I mean, I like that. I
mean I don't want to pay for shoplifting, and that's
what we all eventually pay for shoplifting.

Speaker 12 (01:50:49):
But I agree, even when you buy something like a
six pack of coke or of doctor pepper, they put
a little stamp on it to show that it's been
it was gone through the cashier.

Speaker 1 (01:51:05):
Okay, I didn't know that they were taken. I like
the idea. I like the idea. Now, by the way,
you know, we had that woman on talking about age
elder abuse, right and I know that she really had
a lot of good things to say. I don't want
to make light of it, but there is a lot

(01:51:28):
of discrimination going on right now. Do you know that
there are people who are called this is truly Fortune
magazine did an article on this something called super aging.
Now that doesn't mean you age faster or you're super aging.
In fact, that's a stupid name to call them superagers,

(01:51:51):
but apparently their brains and subsequently, as a result of that,
they take better care of themselves, because the theory is
if you have a loss of cognitive abilities, your tendency
to self groom and stuff kind of falls by the waveside.

(01:52:12):
And people mention that with older people there seems to
be an increase in complaints about them from gym's, massage therapists, dentists, uh,
and people who deal with them on an everyday basis. Now,
I'm not trying to be nasty or mean, but Mark,

(01:52:35):
do you remember? Is Mark still there? By the way,
I can't say you about it? Do you remember the
one guy called up and he was pissed off that
the massage therapists refused as sage. I don't remember that,
but you know listen, and it was discrimination, he said,
age discrimination and they told him they finally when we

(01:52:57):
called them, said are well loud to talk? And he
said yes, I'll know you remember it because guess why
we invited him in to see if it was true.
And I wasn't there that day you were and you
were so pissed at me. Does that ring a bell?
Was he big and stinky?

Speaker 6 (01:53:14):
Yes?

Speaker 1 (01:53:16):
Yes, Now listen, here's what happened. They said, well, frankly,
it's his body odor. And they didn't know how to
tell him because and this is one of the things
in this super aging thing. I digress from that original article,
but in essence, Mark, do you remember that guy? So
he says, I don't smell blah blah blah, and they said,
they said it was so bad that other patrons complained

(01:53:40):
and they basically had to fumigate when he left. And
then the massage therapists, most of them refused to touch
the man. They didn't know why, but he was giving
off this odor. Some people do it because of where
they live and how they live, others because of their laundry,
other because of self grimmy. But we invited the guy in. Now, Mark,
I swear to you to this day. You think I

(01:54:01):
took off on purpose, but I didn't remember you. Were
you exaggerating when you told me.

Speaker 3 (01:54:08):
I always get to crazy ones no matter how you
put it?

Speaker 1 (01:54:11):
Man, I know, I know, but you But were you exaggerating?
Wasn't that bad? You said that the studio, I mean,
and the chair and everything. Oh, I'm sure he's stunk. Man,
I'm sure there's no doubt about it. Well, you were there.

Speaker 3 (01:54:26):
It's like when you sent me out to uh, I
don't know the last four the.

Speaker 1 (01:54:30):
Man was losing his house.

Speaker 3 (01:54:32):
You never let me the best salute emergency and you
had to go right now, it's absolutely crazy and blah
blah blah blah.

Speaker 1 (01:54:38):
I said, Mark, this guy's losing his house. This somebody,
the postman or something did something about him, was stealing
Stole's mail, then Stole's house.

Speaker 3 (01:54:49):
And you went out there and they were just and crazy,
craziest people I ever met.

Speaker 1 (01:54:55):
And not only that, but the husband had convinced the
woman the Yeah, they were both just nutty, buddy man,
but they were living in a They showed you stuff
that didn't even exist when you looked at it, you said.

Speaker 3 (01:55:08):
Or a guy that was really hungry. This one was
within the last year. He called into the show. We
were both in studio and this guy said he had
nothing to eat and blah blah blah. So I hauled
ash down to a roar to bring him something to
eat or check out the situation and he had trash
and garbage stacked from the very floor to the ceiling,

(01:55:29):
and this little rat hole that you could see through
into his house, and the only food he wanted. In fact,
Jeff Vic from Kimmera Transmission ended up buying groceries for
the guy, and he rejected him because all he eats
is fast food.

Speaker 1 (01:55:45):
Yeah. That it was a sorry story, I'll admit it, Joseph.
Are you being evicted Joseph, Yes, it's difficult to be
evicted nowadays. What are you being evicted for?

Speaker 6 (01:55:58):
Well, I got a small story.

Speaker 4 (01:56:01):
I'll tell you.

Speaker 1 (01:56:01):
Go ahead, go ahead. I uh.

Speaker 6 (01:56:06):
I left my job last year to retire, and I
got a pr Uh. I've been paying into it for
twelve years. You know a PR is right? Public?

Speaker 1 (01:56:17):
No? I don't no.

Speaker 6 (01:56:18):
What is it? Employees Retirement Association?

Speaker 1 (01:56:21):
Oh you mean para para? Yes, okay, I knew what
para is. Yeah. Were you a teacher? No? No, I
was a maintenance Okay, Hold on a second. I'll come
right back to you. It sounds important. I don't want
to rush you. I gotta take a break. Also, this
other one on hold, please hang on, hold, will be
right there. I'm Tom Martine. Three oh three seven one
three talk seven one three eight two five five Go

(01:56:50):
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(01:57:12):
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom Martina here, Welcome
to the show. Let's talk to Joseph. He said that

(01:57:32):
he retired last year on para. Go ahead, Joseph continues, sir, yes,
and they sent.

Speaker 6 (01:57:38):
Me fifty thousand dollars.

Speaker 1 (01:57:40):
But how much I'm how much? Sixty thousand? Okay? So
I thought para was where you got monthly payments or
did you opt for a lump sum? A lump sum?
And did you put it into I hope you put
it into some kind of annuity for for UH for
lifetime income or not.

Speaker 4 (01:57:59):
Well, I would have.

Speaker 6 (01:58:00):
But here's what happened. I saw was down with forty
thousand after I paid my bills and my rent and
h I was on the internet one day and my
computer got locked up.

Speaker 1 (01:58:14):
Call oh god, no, you lost your life savings, sir.

Speaker 6 (01:58:19):
So they yeah, they had me send them my money.
They said there was a problem with my account. It
was a bell coat. They said there was a problem
with my account.

Speaker 1 (01:58:27):
Joseph. But Joseph, this is honest to God, Joseph, this
is heartbreaking, the honest it is. It's heartbreaking. So you
paid your bills with twenty something and you had about
forty left and somebody tricked. How did they know you
had it? How did your computer get locked up? How
did all this happen?

Speaker 6 (01:58:46):
I have no idea, but I gave a number card.

Speaker 1 (01:58:51):
Well hold on, though it sounds too coincidental. How long
after your lump sum payment did this happen?

Speaker 6 (01:58:59):
Oh it was a few months. This happened in February.
I retired in May of last year.

Speaker 1 (01:59:05):
So I don't think they knew you had this money?

Speaker 6 (01:59:08):
Did they? No, they didn't. I'm sure.

Speaker 1 (01:59:11):
Tell me exactly what happened? This this we got to
put this warning out, Joseph. No, truly. I mean this sincerely.
It's heartbreaking. But God almighty, there are so many people
affected like this. There are so many elderly people are
old and I'm not saying you're that old. How old

(01:59:31):
are you? By the way? Oh god? Okay, So tell
me exactly what happened. You say your computer got locked up?

Speaker 6 (01:59:40):
What were you amail?

Speaker 1 (01:59:42):
I'm gonna call wait wait wait wait? How did they
How did they know to email you after your computer?

Speaker 6 (01:59:51):
They didn't email me at first. They just they just
told me over the phone that somebody was taking money
on account and it was for child porn and the
FBI was investigating.

Speaker 1 (02:00:03):
Oh.

Speaker 6 (02:00:03):
I freaked out about the whole thing.

Speaker 1 (02:00:05):
Oh my god.

Speaker 6 (02:00:06):
And they sent me emails after that letterhead it looked
completely I had no idea. I listened to you all
the time, so I don't.

Speaker 1 (02:00:15):
Okay, So Joseph, so hold on. So first you got
a phone call, then they told you to go online?

Speaker 6 (02:00:23):
No, no, they didn't. Can't tell me to go online.
They said, withdraw my money and send it to them.

Speaker 1 (02:00:29):
And what were what were they going to do with
your money?

Speaker 6 (02:00:33):
They said they would keep it until the investigation was over,
and then they'd refund it.

Speaker 1 (02:00:37):
Of course didn't, Joseph. Didn't that sound weird to you?
And if you didn't do it, why were you so nervous?

Speaker 6 (02:00:44):
It did? But because I'd never been through anything like
that before. I don't do child porn.

Speaker 1 (02:00:49):
Why didn't you call me, Joseph?

Speaker 10 (02:00:52):
I should have?

Speaker 6 (02:00:53):
I should have. There's a lot of should have.

Speaker 1 (02:00:55):
All right, So what then? They said, you need to
you need to send them the money. So how did
you send them the money?

Speaker 6 (02:01:03):
Did you close my account and send them money? So
I did, and of course they never responded after that.

Speaker 1 (02:01:07):
How did you send them the money to ups? What
do you mean? Ups?

Speaker 6 (02:01:15):
Not UPS?

Speaker 14 (02:01:17):
Oh?

Speaker 6 (02:01:18):
But the delivery x EPs?

Speaker 1 (02:01:21):
Oh?

Speaker 10 (02:01:21):
So you sent cash?

Speaker 12 (02:01:22):
Right?

Speaker 4 (02:01:23):
Yes?

Speaker 1 (02:01:24):
Wait a minute, hold on, you sent forty thousand dollars
in cash?

Speaker 6 (02:01:29):
I sent thirty eight thousand, Joseph, Joseph.

Speaker 1 (02:01:33):
Were they one hundred dollars bills?

Speaker 4 (02:01:35):
Yes?

Speaker 1 (02:01:36):
I had no idea this was going on, Joseph, Joseph.
And how did you package up the cash?

Speaker 6 (02:01:43):
They said, to wrap it up and foil and send
it EPs.

Speaker 1 (02:01:47):
And none of this rang any bills.

Speaker 6 (02:01:50):
I'm not really because I was nervous about the whole thing.

Speaker 1 (02:01:53):
Well, I know, but that alone being nervous. For God's sakes,
you could have called me for advice.

Speaker 3 (02:01:59):
Like you, porities are going to tell you to get cash,
wrap it up in tinfoil.

Speaker 1 (02:02:03):
And send it to him. Come on, Joseph, I should have.

Speaker 6 (02:02:07):
Called the bank, but they told me not to because
it was under investigation.

Speaker 1 (02:02:11):
What's the bank got to do with it? You mean
when you withdrew the If he would have called his bank,
they would have told him it was a scam. When
you went to withdraw your money in cash, what did
they say to you?

Speaker 6 (02:02:23):
They just gave it to me.

Speaker 1 (02:02:24):
I thought, did they ask you what you wanted it for? No,
we got to do something, Toad.

Speaker 6 (02:02:32):
I think you did at one point asked me and
I told him this for housing.

Speaker 1 (02:02:37):
So you were you? You lied to them because you
thought it was part of the investigation. You shouldn't tell anyone.
You're gonna owe a ton of taxes on that. Just
as a side note, No, he already paid when he
got his lump sum.

Speaker 6 (02:02:50):
Yeah, I paid taxes. But so I had enough money
to pay my rent. I'd say enough to say, I've
been til last June and then I just had no money.
I've been looking for a job. I fine found doing
I started on Friday.

Speaker 1 (02:03:11):
Oh god, I am. So did you call authorities after
you realize you were scammed? Joseph?

Speaker 6 (02:03:17):
I did. The FBI was looking at it, but I
haven't gotten back with the haven't gotten.

Speaker 1 (02:03:21):
Back to the Joseph find it.

Speaker 10 (02:03:25):
Where did you mail it to?

Speaker 6 (02:03:27):
I don't remember.

Speaker 10 (02:03:28):
No, it was it in the States?

Speaker 1 (02:03:30):
Was it overseas?

Speaker 6 (02:03:32):
I think it was California?

Speaker 1 (02:03:33):
Okay, of course.

Speaker 12 (02:03:36):
Well, I mean it's better than sending it to uh
someplace overseas where the FBI did you? But it was
just a mail draw I know, But who knows. Maybe
they what I'm saying was overseas to be zero chants?

Speaker 1 (02:03:51):
Are they really looking into it at the FBI?

Speaker 6 (02:03:54):
Do you know?

Speaker 1 (02:03:55):
Guy?

Speaker 6 (02:03:55):
That's what they said.

Speaker 1 (02:03:56):
Do you have the name of somebody you can check
with on that?

Speaker 6 (02:03:59):
No? I don't. I'll have to call them back exponentially
and find out. But I didn't get any full members
or any addresses. I didn't say that anyway, So I
don't know what I could do anyway. So I went
to court for an eviction and they said I had
to be out by Wednesday. And I have no family,

(02:04:20):
I have no friends. That are in a position to
deal with it. So basically I'll be homeless. This put
my credit cards behind, so there's always good in my bills,
but now they're behind and it tain't to my credit score,
so I can't get alone.

Speaker 1 (02:04:39):
And so your call is you need help with the rent? Yeah, oh,
I need to tell them a backstory.

Speaker 6 (02:04:45):
I need to know about resources.

Speaker 4 (02:04:47):
That I know.

Speaker 1 (02:04:49):
Hey, listen, man, listen seriously, when is this all happening? Joseph.

Speaker 6 (02:04:55):
Well, I'll be evicted on Wednesday, So you have.

Speaker 1 (02:04:59):
No income to this was all of your life savings.

Speaker 6 (02:05:02):
Yeah, I've got a Social Security at the moment.

Speaker 1 (02:05:05):
And how much is that a month?

Speaker 6 (02:05:06):
That's one thousand dollars a month.

Speaker 1 (02:05:08):
I didn't think you got social when you're on PARA.

Speaker 6 (02:05:11):
Now you know, well I had jobs before that, so
I paid into it for a while. Okay, so we
only didn't pay into for like twelve years.

Speaker 1 (02:05:20):
There's a max. So time to go to your point.
So hold on, now, how much is your rent every month?

Speaker 6 (02:05:27):
Of sixteen hundred that includes utilities? So I'm behind or
five thousand point of dollars? Oh my god, because it's
another month now. So I called the Community Economic Defense
Projects it's sposed to help, but their applications are they

(02:05:52):
fell up quickly?

Speaker 1 (02:05:53):
And why did you wait?

Speaker 4 (02:05:54):
So?

Speaker 1 (02:05:55):
Listen? When when did you? Joseph, there's so many things
you did wrong. How long ago did you realize you
were ripped off? When did this happen?

Speaker 6 (02:06:05):
Monday? Money back in February?

Speaker 1 (02:06:08):
This happened in February? Why are you just called? Okay? So,
when you knew you didn't have money to pay rent?
Why didn't you start calling people?

Speaker 13 (02:06:15):
Then?

Speaker 6 (02:06:16):
I did, but I just could get the money. I
tried it. I borrowed from friends. I had enough money
to pay rent until June. But I'm screwed and I'm
going to be evicted wednesday if I don't get any help.

Speaker 1 (02:06:36):
Well, it's kind of a hell of a thing to
call last minute like this. I mean, you don't agree,
but let me ask you something. Even if you did
a GoFundMe or we tried to raise money for you, like,
what are you going to do from here on out?
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(02:08:07):
a fake call. Okay, my YouTube basing the guy is
totally bamboo. Just wait, just wait, let me let me
explain this to those tuning in. Joseph said he got
a call saying that his bank account was compromised and
that money was being withdrawn for pornography child pornography and

(02:08:31):
charges were being pursued and an investigation was on and
he had to withdraw money from his account and he
had to send it to them. So they said they
would email him. So he said he went to his
bank and had to withdraw the remaining balance of his

(02:08:51):
para retirement, which was thirty eight thousand dollars. They told
them to wrap it in foil and to send it
to ups to them. He doesn't remember the address, but
all of his money's gone. This happened back in February.
He's five six hundred dollars behind in rent. He's being

(02:09:11):
evicted Wednesday. He's going to be homeless. He gets a
thousand dollars a month social Security because he worked a
little beyond para. Para was for his maintenance work at
a school. So I want to ask a few questions
because Joseph, so many people and I just want you
to know this. There are a lot of skeptical people
when they hear stories like this and they think, well,

(02:09:33):
this guy's just looking for money, and he's maybe thinking
Tom has a soft spot. Even Mark thought I was
falling for it, and I was. I guess because I
didn't even think for a minute it was fake. I didn't.
Maybe I should have. I want to ask a few questions. Okay, Joseph,
are you there?

Speaker 6 (02:09:49):
Yes, and it isn't fake. He actually call I live
in the Odyssey Apartment's important, you can call Hey, listen, Joseph.

Speaker 1 (02:10:00):
Joseph, Joseph. I'm not doubting that you are getting evicted
or you're behind on rent. But I want to ask
if you could do a couple of things for us.

Speaker 6 (02:10:10):
What's that?

Speaker 1 (02:10:12):
Could you send us copies or a photograph picture with
your cell phone of your license, your driver's license. Okay,
I want to see the front of your driver's license
with your name, your date of birth and all. Then
I want a picture of your bank statement where the

(02:10:33):
money was withdrawn, where the money was withdrawn in cash.
I don't show you that, but you can go get it. Well,
I probably did, Joseph. If I don't have that, I
have nothing. Here's what I want to know. Did they
make you fill out a form at the bank for
taking out more than ten thousand dollars in cash? No, okay, yes, right,

(02:10:58):
that's the wrong answer. Did they they let you take
out thirty eight thousand dollars in cash? How did they
give that to you? And what denomination?

Speaker 4 (02:11:07):
Well?

Speaker 6 (02:11:07):
I got it ten thousand dollars at a time, and
how many times?

Speaker 1 (02:11:14):
Once again? Time? It's still easy. Just show us the
bank records, that's all. Yeah, you do have bank statements?
Or are they online?

Speaker 6 (02:11:23):
I'd have to go to the bank get them, but
not online?

Speaker 1 (02:11:27):
What bank is it?

Speaker 6 (02:11:29):
Donco? Don't go credit Union.

Speaker 1 (02:11:32):
And Belco, I guess doesn't have an online presence. I
think they do. Well, I have a check, Joseph. I
need some proof that this happened before we start going
to bad for you. Even then, I can't. I can't
promise you we're going to restore your money, but as
sure as hell.

Speaker 6 (02:11:50):
No.

Speaker 1 (02:11:50):
And then you put in a police report, right, yes?
Do you have a police report?

Speaker 6 (02:11:56):
Not a police report? I called the FBI.

Speaker 1 (02:11:59):
Can you get a case number for us?

Speaker 5 (02:12:01):
Uh?

Speaker 6 (02:12:02):
Maybe I'll try, Joseph.

Speaker 1 (02:12:06):
Are you on drugs?

Speaker 4 (02:12:08):
No?

Speaker 6 (02:12:09):
Not at all. Why Why would you ask that?

Speaker 1 (02:12:14):
Because drug addicts are very creative?

Speaker 6 (02:12:17):
Well, I'm not being created.

Speaker 4 (02:12:18):
I don't.

Speaker 6 (02:12:19):
I don't want to be evicted.

Speaker 1 (02:12:20):
Joseph, I don't. I'm not telling you that you're a liar.
I'm not. I'm just telling you that a lot of
people listening really do not believe this story. Mark, Are
you one of them? Be honest? Do you? Because I
don't know yet, I don't know. What do you think?

Speaker 3 (02:12:36):
I think the guy is getting evicted, like I said,
But I do not think he wrapped up thirty eight
thousand dollars in tinfoil mailed it to an address he
no longer has. I assume he doesn't have a tracking number,
he has zero bank records of it, and he can't
log onto Belco Credit Union to get him. So I
don't believe a damn word of that part.

Speaker 1 (02:12:58):
Let me ask you something, Joseph. Were you why wouldn't
you keep track of the address you sent it to?

Speaker 6 (02:13:04):
I just didn't.

Speaker 1 (02:13:06):
But how were you going to get your money back?

Speaker 6 (02:13:08):
Do you?

Speaker 1 (02:13:08):
Did you really believe sending cash like that was gonna
get you money back?

Speaker 6 (02:13:15):
And they was going to get they were gonna They
told me they were gonna send my money back as
soon as the investigation was over.

Speaker 12 (02:13:22):
Who were you when you called the FBI. They didn't
give you either a case officer or a case number.
How are you supposed to contact the FBI and find
out if they're doing anything if you don't dog a doc.

Speaker 1 (02:13:37):
I know what you're saying. In other words, who's working
on your investigation right now? Joseph, I don't know.

Speaker 6 (02:13:43):
I have no idea. They didn't tell me. They didn't
give me a case number. They just took the information.

Speaker 1 (02:13:48):
Hey, Joseph, okay, and you don't know the address. Do
you have a receipt from UPS or anything like where
they ship from the shipping You didn't keep a copy
of the shipping label, No.

Speaker 6 (02:13:59):
I because I thought it was all legit. I didn't
save anything. Oh my god, I'm not lying to you, Tom.
It's absolutely positive truth. I was calling you to see
if he had any resources that I could deal with.

Speaker 1 (02:14:18):
Well, I'm thinking. I'm thinking, Joseph, including trying to raise
money to help you. But I got to tell you something, man,
I can't be doing it unless I get some proof.
Honest to god, I got to get some proof. And
I don't want you scrambling by the way to get proof,
to think to think that all of a sudden, we're
going to write you a check. I mean, I'm gonna
try like hell to it. But but listen, man, I

(02:14:39):
gotta have some kind of proof on this. This does
break my heart the story. But a lot of people saying, oh, I.

Speaker 6 (02:14:45):
Didn't call to get any money from me. I called
to see if I get resources.

Speaker 1 (02:14:48):
Well, what what are resources, sir? What are resources? Resources? Well?
Is somebody going to magically tell your landlord not to
evict you. They're going to want some money. I know that.

Speaker 6 (02:15:01):
That's why I'm trying to get it. With the Community
Economic Defense budget.

Speaker 1 (02:15:05):
Was supposed to, I don't even understand what that means.
You think they just give out money to people who
have been ripped off. I wish there was such a place. Well,
actually I don't know if I do.

Speaker 6 (02:15:15):
I mean, what's that they help renters pay?

Speaker 1 (02:15:22):
And doc? Can you look into that organization he's talking about.
I want to get your contact information, and I want
you to call us back tomorrow. I gotta take this break.
You got to call me back, bro, I'm serious. You
got to get us Sam Bank statement.

Speaker 4 (02:15:35):
Man.

Speaker 1 (02:15:36):
Please, we're not kissing this off, Kashina. Get us contact information.
We have more coming up. Go with a sure thing
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(02:15:57):
your coverage at dozens of insurance companies find out now
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Do you know here, Steve, you have a comment on
that situation? What do you think about it?

Speaker 14 (02:16:19):
Yeah, well I can tell you I've had an account
with Belco since nineteen seventy four and they currently have
all kinds of online services bill pay, you know, so
you can get your you know, see your bill all that.

Speaker 1 (02:16:33):
So, but he could be just that stupid. I hate
to use him computer savvy, so that would you know?

Speaker 4 (02:16:39):
That's fine, It's it's possible.

Speaker 14 (02:16:41):
I'm just saying that, you know, a little far fetched, and.

Speaker 1 (02:16:45):
Well do you believe let me ask you, did this
story sound unbelievable to you?

Speaker 14 (02:16:51):
I didn't hear all of it. I was working outside
and came in.

Speaker 1 (02:16:54):
You know, I think, I think here's one tendency we
do have. So sometimes if we think it's not true,
it makes us feel better because it sounds so horrendous.
I mean, I know, we would like to believe it's
not true. But he said, these guys said there was
a scam going on with his bank account withdrawing money

(02:17:16):
for porn, and he had to send his money to them.
He had to send the money to them until the
investigation was over. But my god, he said, he listens
to my show all the time, yet he packed up cash. Yeah,
thirty eight thousand raps fool and sent to ups. And anyway,
we're out of time. Don't forget three all three Martino

(02:17:38):
people twenty four to seven. I'd like to hear about
this too. We're gonna revisit it tomorrow plus more. I'm
Tom Martino. That's three all three, six, two seven, eight
four sixty six.