The Troubleshooter 7-17-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up bad news.

Speaker 2 (00:08):
Didn't need advice.

Speaker 3 (00:09):
When you don't happen, come running just as fas as
you can.

Speaker 2 (00:16):
Shooter's gonna help. Come, Ma Dix, It's the Troubleshooter Show.

Speaker 3 (00:22):
Now Tom Martine, Well, good morning, folks.

Speaker 2 (01:34):
It is Katina colorI here hosting.

Speaker 4 (01:37):
Tom is currently doing some technical issues to figure out.
So I'm going to go ahead and fill in. We
have Cornell on the line. So, Cornell, we had you
on yesterday, and I'm going to go ahead and pull
you up right now. Now that you have a twenty
sixteen Dodge Challenger that you had an issue with service.

Speaker 2 (01:59):
What's going on with that?

Speaker 5 (02:02):
So on the June third, I purchased twenty sixteen the
Challenger Hellcat from Phil Long Board of Chapel Hills or
seventy thousand dollars.

Speaker 2 (02:14):
Wow.

Speaker 5 (02:16):
So on June June, June fifth, the car broke down and.

Speaker 2 (02:21):
It was the clutch.

Speaker 5 (02:23):
It was the clutch, it went out. So I end up.
I purchased the extended warranty.

Speaker 2 (02:27):
Yeah, okay, that was my next question.

Speaker 5 (02:30):
Yeah, purchase the extended warranty. Went back and forth with
the dealership because the extended warranty wasn't active yet because
the car was still fairly new. Ended up paying seven
grand out of my pocket to get the clutch fixed.
Gets the clutch fixed. That took about two weeks, get it,
get it back the weekend on Father's Day. On that Sunday,

(02:52):
Father's Day, drove the car to the park, car breaks
down again. End up pulling it to the shop that Sunday.
Come Monday, they check it out. They said it was
the starter. Played another eleven hundred dollars for the starter.
Then they they they replaced three starter calls. You got
me start, car still won't start?

Speaker 6 (03:13):
All right?

Speaker 5 (03:15):
Another week or two weeks, Another week or two weeks
go by, still got the car. The dealership still has
the car. Now they're saying it was a supercharger they order.

Speaker 1 (03:24):
All right, Cornell, Cornell, I want to Cornell, I want to.

Speaker 2 (03:28):
Ask you something.

Speaker 1 (03:30):
What you're calling about basically is a comedy of errors.
What I'm asking you is this, are you out of
pocket for all the things they tried that did not work?

Speaker 5 (03:41):
Correct? I'm out of pocket. I'm out of pocket. I'm
out of pocket like eighteen grand.

Speaker 7 (03:46):
And I said, well no.

Speaker 1 (03:47):
No, no, no, no no no wait wait wait wait, wait,
hold on eight wait a minute.

Speaker 2 (03:53):
Eighteen thousand dollars you spent with this dealer and I.

Speaker 5 (03:58):
Still don't have the car.

Speaker 1 (04:00):
Okay, okay, wait wait wait wait okay, okay, first, let
let's go back. This is like incredible, all right, Okay,
I'm not doubting.

Speaker 2 (04:10):
I just got to.

Speaker 1 (04:10):
Talk to you because this is one of the biggest
nightmares I've ever heard. So my basic question, when did
you buy this twenty sixteen?

Speaker 2 (04:20):
Did you buy it new or used?

Speaker 5 (04:23):
You June third? June third?

Speaker 2 (04:25):
It only has no no what did you buy it?
Did you buy it this June third?

Speaker 6 (04:32):
Correct?

Speaker 1 (04:33):
Okay? And when you bought it? Is it the same
dealer working on it?

Speaker 8 (04:39):
Uh?

Speaker 5 (04:39):
Yeah, it was the same dealer working on it.

Speaker 6 (04:41):
Correct?

Speaker 5 (04:41):
It was a Dodge. First I bought it from Ford,
So I bought it from Ford, and then on the
I bought it on the third.

Speaker 2 (04:48):
Do you mean from Ford? You bought the twenty sixteen
from what? A Ford dealer?

Speaker 5 (04:54):
Correct?

Speaker 7 (04:55):
And what for?

Speaker 2 (04:56):
What?

Speaker 1 (04:57):
Just I know, Cornell, I'm I'm late to the game.
I had some technical difficulty. You bought these twenty sixteen
Dodge Challenger just this past June?

Speaker 5 (05:07):
Correct?

Speaker 1 (05:08):
And you bought it from what's the name of the dealer.

Speaker 5 (05:12):
Board at Chapel Hills Fill long for it at Chapel
Hills in Colorado Springs.

Speaker 2 (05:19):
Fill long for it. Okay.

Speaker 1 (05:20):
Now what I need to know is when was the
first sign of trouble?

Speaker 5 (05:27):
On June fifth? What happened the purchase? The clutch went out?

Speaker 2 (05:32):
The clutch was okay?

Speaker 1 (05:33):
Did you you bought it as is? I assume it's where?
Did you have a warranty?

Speaker 5 (05:38):
I purchased an extended warranty?

Speaker 2 (05:41):
Okay? So did they fix the clutch?

Speaker 5 (05:45):
I had to pay seven pay out of hockey because
I didn't want to wait the car with the car.

Speaker 7 (05:50):
No.

Speaker 1 (05:50):
Now listen, this is where this is where we're getting crazy.
You spent seven thousand dollars on a clutch. But what
I need to know is this would that clutch? Would
it have been covered?

Speaker 8 (06:04):
No?

Speaker 9 (06:05):
No?

Speaker 2 (06:06):
Okay, So you spent ten thousand on a clutch, and
and there's nothing we can do about that because you
bought it as is. Who fixed the clutch?

Speaker 5 (06:19):
Uh? Dodge Dodge?

Speaker 2 (06:21):
What okay?

Speaker 1 (06:23):
So you didn't go back to phill long Ford. You
went to what's the name of the dealer.

Speaker 5 (06:30):
Dodge's Dodge on the Dodge ram On Havana like ilish.

Speaker 2 (06:36):
Okay, so a Dodge dealer.

Speaker 1 (06:39):
Okay, now this, this Dodge dealer did the clutch and
charged you seven grand. Were you expecting the warranty to
fix it?

Speaker 5 (06:49):
Correct?

Speaker 1 (06:51):
Okay? Was it covered or not? I'm not asking if
they did it or not. Did you read the warranty?
Does it cover I don't believe they covered clutches or
things like that.

Speaker 5 (07:05):
Nope, they didn't cover it. So I ended up okay, bucket, Okay,
where the dealers should have paid because the car you
have a return policy within three days the car broke.

Speaker 1 (07:15):
Yeah, but hold on, hold on, who has the return policy?
Fill long Forward in the Springs correct? Okay, now, okay,
but here's the thing. If it was in within that
three days, you should have returned the car, but you didn't.

Speaker 2 (07:32):
You kept it.

Speaker 5 (07:34):
I did. No, no, no, no, no no no. I
told it to the dealership right, so that that that
that I think it was you.

Speaker 2 (07:40):
Towed it to. You told it to fill long Ford
in Colorado Springs.

Speaker 5 (07:45):
I told it to I told it to Dodge, and
then pill Longford told it to their dealership, so they didn't.

Speaker 10 (07:51):
So Dodge didn't touch.

Speaker 5 (07:53):
It when I first initially told it there, so got it,
told it to dogs on that Monday. I get it,
and I told Bill.

Speaker 2 (07:59):
Then, why didn't you when they towed it? When they
towed it.

Speaker 1 (08:02):
To fill Long Forward in Colorado Springs, here's a very
simple question. Why didn't you return it? If it was
within that three days?

Speaker 5 (08:10):
I told him that. I said, I don't want the car.
The car is giving me too many giving me problems already.
I'll live with pimple like they say, I get it,
we can fix it. We can't do that. So they
gave me the loophole round. So like a week go by,
two weeks go by, I'm like, screw it, man.

Speaker 2 (08:25):
And by the.

Speaker 1 (08:25):
Way, by the way, this three day this three day
return policy you say is a policy for fill Long
Forward in Colorado Springs.

Speaker 5 (08:34):
Correct, Okay, because I don't want me to return the car.

Speaker 1 (08:38):
Okay, I get they dilly dallied around and they tricked
you into keeping it. Cornell listens, I understand that you
have a thousand points you want to get across. I'm
trying to take this logically. You bought it, it's not
that complicated. You buy a used you bought a used Challenger,
the clutch went out, you spent seven grand to get

(08:59):
it fixed. At that time, you should have returned it,
but you didn't. You said that they tricked you into
keeping it.

Speaker 7 (09:06):
Basically, no, I told him I didn't want the car.

Speaker 6 (09:10):
Okay.

Speaker 2 (09:11):
Then, then here's what I don't understand. If you didn't
want the car, why did you take it back to
the dealer to get the clutch fixed.

Speaker 5 (09:20):
No, they took it back and I had no idea
about that.

Speaker 1 (09:23):
So you're they they without your knowledge or consent.

Speaker 5 (09:27):
Correct?

Speaker 1 (09:28):
They towed the Challenger from Colorado Springs back to the
Dodge dealer. Correct, Now, come on, they they just they
ought to. They just towed it back without telling you.

Speaker 5 (09:43):
Correct. So then I get a phone call from Dodge,
not from still long. So I'm still waiting. I get
a phone call from Dodge. Dodge is like, your car
is ready for pick it. I'm like, all right, did
they pay for it? They like, they're like no, alright,
So I went and paid for it.

Speaker 2 (09:58):
Okay.

Speaker 1 (09:59):
So other than now, now you got the clutch done
in this working, did you have additional problems?

Speaker 5 (10:06):
Nope? They did a full on expects and I picked
the car up, drove it to my house, picked it
up at like six pm on a Saturday.

Speaker 1 (10:13):
So right now, at the bottom line, if I would
sum this up right now, your truck is fine, I mean,
not your truck.

Speaker 2 (10:19):
Your challenger is fine.

Speaker 5 (10:22):
No, I never I haven't now, so I'm getting to.
So they fixed the clutch. I picked it up that Saturday.
The next day was Father's Day, drove it to the park,
turned it off, waited for a little while. Wait it
was at the park for fasday, like a couple hours,
maybe four hours. Get back in the car. Cart, don't start,
no crank, no start?

Speaker 2 (10:41):
What okay? Without going through, without going through every single step.
Who diagnosed that problem?

Speaker 5 (10:50):
A Phil wrong four? So it went two back. So
when it broke down, it went to Phil long four.

Speaker 1 (10:57):
Okay, hold on a second, hold on, no, I get it, Cornell.

Speaker 2 (11:01):
Hang on, We're going to get through this.

Speaker 1 (11:03):
It sounds to me like you wanted to return it,
and if you had any proof of that whatsoever, you're
saying they tricked you into keeping it. I listen, I'm
on your side right here. This is incredible the story
you're telling. But the bottom line, though, comes down to
it's got a lot of things wrong with it. If

(11:24):
you had the opportunity, you would have sent it back.
What I don't understand, and what we're going to get to,
is how the hell do you spend a total of
how much out of pocket eighteen your Well, that's just
plain stupid. I don't know why you would do that,
and I'm not calling you stupid, but Cornell, why would

(11:44):
you keep throwing money into it?

Speaker 2 (11:47):
Hold on? And this is incredible?

Speaker 1 (11:49):
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(12:11):
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(12:32):
Hi Tom Martino, you're a troubleshooter. Three o three seven
one three Talks seven one three eight two five five.

Speaker 2 (12:38):
So you know, here's the deal.

Speaker 1 (12:41):
Ah, there's nothing worse, nothing worse than these freaking car problems.

Speaker 2 (12:46):
God almighty, let's just talk about this.

Speaker 1 (12:49):
So basically, this guy bought a used Challenger in June
from phillng Ford in Colorado. Springs clutch went out clustom
seven grand ect wargon cover it. The extended warranty is
not going to cover much. But then it did not start.
What I need to know is this, So when it
didn't start, it went to Colorado, it went to the

(13:11):
dealer you bought it from, phil long Ford. So what
I want to know is how many repairs since the clutch,
not counting the clutch, how many different problems.

Speaker 2 (13:20):
Did you have?

Speaker 3 (13:22):
Uh?

Speaker 5 (13:23):
Three total?

Speaker 2 (13:25):
Okay? What were they? Just tell me the just tell
me the problems.

Speaker 5 (13:30):
So was the clutch, starter and supercharger?

Speaker 1 (13:33):
Okay, that's what I asked. With a starter and supercharger?

Speaker 2 (13:37):
Great? Now what I want.

Speaker 1 (13:39):
To know is this, did the extended warranty fix the
starter or supercharger?

Speaker 5 (13:45):
Paid out of pocket for everything?

Speaker 2 (13:47):
Okay? Now hold on, why didn't the warranty Well, why
didn't the warranty fix the starter or the supercharger?

Speaker 5 (13:54):
They said the car was still too low for it.

Speaker 1 (13:56):
To go on effect, and so did Bill long Ford.
Did you tell them at that time? Hey, I wanted
to return this car and you never let me correct.

Speaker 5 (14:11):
Been dealing with them ever since.

Speaker 1 (14:13):
Okay, so where does it stand right now? Today? You're
eighteen thousand out of pocket? Are you still having problems?

Speaker 7 (14:21):
I don't have the car.

Speaker 5 (14:22):
Haven't seen the car since since since it broke down
Father's Day weekend.

Speaker 1 (14:27):
Wait wait, wait, wait wait, I thought you said that
you took it to fill long Ford in the springs
for the starter and the supercharger.

Speaker 5 (14:37):
Bay Y doving me the run aroundabout saying that. So
just I haven't seen it since since Father's Day and
they said that they ordered a new supercharger. The supercharger
was defective. And I'm like, I told you guys to
return the car.

Speaker 6 (14:51):
I don't want to.

Speaker 1 (14:51):
Say, Hey, Deputy Bow, Deputy Bow, you know what fresh
from his trip?

Speaker 7 (14:57):
Yeah, me to go.

Speaker 11 (14:58):
I'd like to know what kind of warranty is that car?
Is it a Phil Long warranty or an aftermarket warranty?

Speaker 5 (15:04):
It's an aftermarket one that Yeah, the one you purchased
with the with the what the Long?

Speaker 11 (15:09):
I have a pretty good relationship with Phil long for it.

Speaker 2 (15:12):
Here's here's what I want to do. Bo okay, what
you need to.

Speaker 1 (15:16):
Know why he's out when you say out of pocket?
Here's what I do on our stuning car. Now, did
you so you paid already for.

Speaker 2 (15:25):
The starter and supercharger? You already paid for that?

Speaker 5 (15:29):
No? No, no, no, I didn't pay for the supercharger.
They were paying for the super I paid for the clutch,
the starter, in the aftermarket mods I did when I
first got the car the first day.

Speaker 2 (15:38):
Okay, all right, I got it. So some of those
aren't repairs.

Speaker 1 (15:41):
I need to know how much are you out of
pocket on repairs? Not optional stuff you did, but just
out of pocket on repairs?

Speaker 2 (15:50):
How much? Okay? So bo bo he this is the
big problem, he said.

Speaker 1 (15:59):
Within the first three days when he first had that problem,
he wanted to return the car, and they kept it
there and they kind of delayed things so he couldn't
return it. I think they need to make a settlement
with him. He needs to return it or they need to.
Let me ask you some cornell. Do you like the Challenger?

Speaker 2 (16:18):
Do you want to keep it?

Speaker 12 (16:20):
No?

Speaker 5 (16:20):
No, I don't want to keep the car. Just breaking
down costs me more fun.

Speaker 2 (16:24):
Okay.

Speaker 1 (16:24):
But in order for you to get out of this car,
in order for you to get out of this, they
need to make it right. This money that you spend.
I mean, this is a bad deal because if you
wanted to return it and they kept ignoring you, I
would have gone right.

Speaker 2 (16:38):
I mean, this is where people fall short.

Speaker 1 (16:41):
They say, well, they wouldn't let me, or they didn't
do this, or they didn't do that. I would have
gone down there and sat in the middle of the
showroom floor and said, listen, I want to return this truck.
You have a three day you have a three day
right to return? And is it just a full three
day right to return? Deputy D looked into it online.

Speaker 2 (16:59):
I need to know D.

Speaker 1 (17:00):
What does the actual return policy? Says brother? What does
this say?

Speaker 2 (17:05):
Tom?

Speaker 13 (17:05):
According to Philong's website, they have three day exchange policy
provided you drive it less than one hundred and fifty miles.

Speaker 1 (17:13):
So did you have less than one hundred and fifty
miles on it?

Speaker 2 (17:15):
Brother?

Speaker 6 (17:17):
All right?

Speaker 5 (17:18):
I drove it from the springs. I drove it from
the Colorado Springs, drove it to the to get the
I did.

Speaker 1 (17:24):
The okay, Okay, that's enough you had you had less
than one hundred and fifty miles, so it's one hundred
and fifty miles and three days.

Speaker 13 (17:33):
Yeah, you have three days or one hundred and fifty miles,
whichever is shorter.

Speaker 2 (17:37):
And did you do you have any Oh? Okay, so
it expires that one hundred and fifty miles. Yeah, that's the.

Speaker 13 (17:42):
Maximum you can put on it.

Speaker 1 (17:43):
So, and you're sure you were within that one hundred
and fifty miles on positive Cornell.

Speaker 13 (17:49):
Did you do you have anything in writing about your
efforts to return the car?

Speaker 1 (17:53):
Yeah, anything where we can say, hey, he said he
wanted to return it.

Speaker 2 (17:57):
Do you have anything? Yeah?

Speaker 5 (17:59):
I got text I introd from the whole time with
the those men I used. So I got all the messages,
all the videos.

Speaker 1 (18:04):
Oh my gosh, that's hay bo. I'll call get on
this thing, bro, get on it. I'll call both both.

Speaker 14 (18:13):
Fernando Fernando all right, he's an Okay.

Speaker 1 (18:18):
Okay, Yeah, let's get a call and let's go to
the bottom of this. He has text messages and stuff
where he wanted to return it and they wouldn't let him.
So I would say that is one hell of a problem.
That is a big problem. Paul's got an issue with
a home We're.

Speaker 2 (18:35):
Going to take.

Speaker 1 (18:35):
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(18:57):
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Speaker 2 (19:10):
You don't pay a cent until you're content.

Speaker 1 (19:16):
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(19:41):
troubleshooter three oh three seven one three talks seven with
three and two five to five Paul, Talk to me, Paul,
what's going on with you?

Speaker 2 (19:48):
What's happening?

Speaker 1 (19:51):
So?

Speaker 15 (19:52):
May first, I had uh, my sewer lines backed up
into my house and kind of basement. Oh oh, so
since then I have attempted to call insurance. Insurance is
only going to pay me twenty five hundred dollars a fix.

Speaker 1 (20:08):
But hold on a second, we need to explore this.
What do you mean since then you've attempted May first? Now,
now I assume let's.

Speaker 2 (20:18):
Talk about the backup itself. Where did it come from?
Do you know?

Speaker 6 (20:24):
I have sewer lines, so I've.

Speaker 15 (20:29):
Clean outs that collapsed, and I have clay pipes that
have collapsed.

Speaker 2 (20:35):
But did it collapse?

Speaker 1 (20:36):
While I'm trying to figure out insurance? Did it collapse
because somebody ran over it? Did it collapse? Why did
all of a sudden it collapse?

Speaker 15 (20:47):
Have not a clue the weather and timing of just
the perfect part of the clay piping goes underneath my driveway,
and my driveway has been collapsing since I bought the
house five years ago.

Speaker 10 (20:59):
I'm goa to me.

Speaker 15 (21:01):
So since then, I've been attempting to get funds to
pay to have this fix. And I am unsuccessful. I've
tried two three K loans that get turned away because
I have a bankruptcy from less than two years ago.
I have attempted nonprofits to get I get yeah, turn
me away because I'm a veteran and because of my income.

Speaker 2 (21:23):
So, Paul, Paul, let's go.

Speaker 1 (21:25):
So you had a continuing problem and the sewer line clefts.

Speaker 2 (21:29):
Let me explain something.

Speaker 1 (21:31):
The reason I ask about a continuing problem versus an event.

Speaker 2 (21:36):
An event would.

Speaker 1 (21:38):
Most likely be covered if you had sewer line coverage.
Do you have sewer line coverage on your policy?

Speaker 15 (21:47):
Yes, I'm through my policy and the only policy that
they're paying is twenty five hundred dollars.

Speaker 2 (21:53):
Now, how did they come up?

Speaker 1 (21:54):
How how did they come up with twenty five one
hundred dollars?

Speaker 15 (22:01):
I do not know, to be honest with you. I asked,
and they're just that's how the insurance policy pays out.
And I told them that this is a thirty thousand
dollars job.

Speaker 1 (22:10):
Yeah, but they're not responsible for They're not responsible for
a lot of it. Now, some of it they are,
some of it they're not. Well, who's your insurance company?

Speaker 2 (22:22):
Stape Army? Oh god, so you got one of the
worst in the world.

Speaker 1 (22:27):
Yeah, Now, do you have what's called a declarations page
for that policy? Can you get us something that we
can look at.

Speaker 15 (22:39):
Yes, I can probably pull something up.

Speaker 2 (22:42):
Okay, you don't have to do it right this minute.

Speaker 1 (22:44):
Here's what I'm looking for, and I want to talk
to Compass Insurance. Can you get them on pretty quickly, Kachina?
And maybe if we have to even do it after
a break. But here's what I'm getting at. There are
two elements two insurance. One is the thing that failed,

(23:05):
like a pipe. The second thing is subsequent damage. Sometimes
policies will cover the thing that broke, but they won't
cover subsequent damage. Very rare they that's a very rare exclusion.
Most of the time they cover everything if you have
the coverage, but some won't cover the break itself, but

(23:29):
they will cover the subsequent damage.

Speaker 2 (23:32):
Now, when you said you're up.

Speaker 1 (23:33):
To a thirty thousand dollars bill, okay, tell me what
happened after it collapsed, after you had a flood, You're
line backed up?

Speaker 2 (23:42):
Who did you hire?

Speaker 15 (23:45):
It was First Awesome Home Service because they were right
around the corner. And that's when I found out about it.

Speaker 2 (23:52):
And what is awesome home service.

Speaker 15 (23:54):
What are they It's a plumbing and heating company.

Speaker 2 (23:58):
Okay, And what did they do?

Speaker 15 (24:01):
They inspected it and then gave me a quote for
how to fix the problem. And that's where they came
up with the third.

Speaker 1 (24:08):
But did you have someone immediately suck out the stuff
and at least get it cleaned down there?

Speaker 15 (24:14):
So they can't get it cleaned or sucked out because
of the collapse line? And I'm not and it's just
impossible and I might be wrong on that, but they
said that it's just impossible to clean out the line.

Speaker 1 (24:29):
No, I'm not talking about cleaning out the line. Did
they get the crap out of your basement?

Speaker 6 (24:35):
It cleaned up a little bit.

Speaker 15 (24:38):
It was about maybe like three or four gallons of
water that like ended up backing up from the sewer.

Speaker 1 (24:43):
We caught it because what caused So you didn't have
a lot of you didn't have a lot of water
damage in the basement.

Speaker 15 (24:50):
No, this is more of just like about four gallons
that ended up coming into the back.

Speaker 2 (24:54):
I get it, I get it. But that's good.

Speaker 1 (24:56):
So the damage we're talking about right now, your damage
is really confined to the sewer line itself. Yes, Okay,
and that's where you're getting the quotes or did you
go ahead and have it done.

Speaker 15 (25:12):
No, I've gotten three different quotes and everybody is at
the same price.

Speaker 6 (25:16):
Range in order to go.

Speaker 2 (25:17):
Yeah.

Speaker 1 (25:18):
So what they're saying is, in order to fix this,
they need to replace the line, or at least that section.
But since it's clay, they want to replace the entire line.

Speaker 2 (25:27):
Is that correct?

Speaker 15 (25:29):
Yes, they want to replace everything so that it's all
correct and uniformed and properly.

Speaker 2 (25:35):
Okay, now this is really important to know.

Speaker 1 (25:40):
Around thirty grand if you didn't have the money to
do it, what are you doing right now?

Speaker 2 (25:44):
Are you living there?

Speaker 15 (25:46):
Yes, I'm living at my house. I'm using a neighbors
to shower, and I have a porterge On.

Speaker 6 (25:51):
In my backyard.

Speaker 1 (25:53):
Okay, this is truly unfortunate. I want to bring up
Brian Burns from Compass and Insurance Group.

Speaker 15 (26:00):
The other problem, Tom two is my wife is an
autoimmune deficient person and just recently had a transplant. Yeah,
and we're in Paul situation.

Speaker 2 (26:11):
Paul, trust me, my heart, my heart goes out to you.

Speaker 1 (26:16):
But I want to tell you something that I tell
everyone business, They and contracts don't care about your conditions.

Speaker 2 (26:23):
They don't they don't really care. There's no special priority
put on it.

Speaker 1 (26:28):
You know, they don't say, hey, let's give this guy
a break and cover this thing. I mean, every once
in a while you might get a small company that
will give you a break on something, but they don't care.

Speaker 2 (26:39):
But it is.

Speaker 1 (26:40):
But I know why you're bringing it up because it's
truly dangerous and you need to live in clean conditions.
And right now, well right now, at least you don't
have any you don't have any contamination. They've cleaned it up.
But what you have is a collapse sewer line. I
want to talk to Brian Burns from Compass Insurance. In fact,
what I'll do to give more time, I'll come back

(27:01):
and talk to him. This is really important to know
what the hell does insurance cover.

Speaker 2 (27:06):
Try to get that to.

Speaker 1 (27:07):
Us as soon as possible, or at least put the
declarations page that's usually the first or second page of
your policy in front of you so we can ask
you questions. Okay, that that will be see if you
can do that during the break, because I want to
know what kind of coverage you have and what they
will cover. Three oh three seven one three eight, two

(27:27):
five five. By the way, fix It twenty four to seven.
They do sewer line repair. They do free second opinions
on anything. So if you have a sewer line quote
like him, fix it twenty four to seven, they'll come
and do a free estimate and a free second opinion
and you can take it to the bank. Fixmihome dot
com book now go with a sure thing Denver's Best

(27:56):
rufer excel roofing dot com. You don't pay a cent
until your content time for an insurance checkup 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 to seven to one help. You'll think you're
his only customer when you choose Frank durand the real

(28:17):
estate Man dot com to list your home with Remax
Alliance three all three nine two zero sixteen twenty two.
All right, Brian Burns, Compass Insurance Group. I want to
pick his brain a little here. We use we use Brian.
We use Compass to do insurance checkups for consumers to
see that they're not overpaying for insurance, that they have

(28:40):
the right kind of coverage the right kind of deductibles.
At first, we were doing it just to see if
we can save people money. But in the during the
time we've been doing it, Brian's discovered a lot of
people have dangerous deductibles they could never afford if they
get hailstorms. So we do we just do a complete
review of ins insurance free of charge. So it's the

(29:02):
Insurance Healthcenter dot Com three O three nine ninety six
nine thousand, in addition to everything else they do. But
Brian sewer line for some reason, and I'm not sure
I'll bring Paul up to Paul had a sewer backup
and his entire line needs to be replaced because it's
clay and it's failing. Although one area, there is one

(29:26):
area that collapsed that need a cleanout that collapse that
that is the main source right now of his backup.
But he is getting quotes from people and they won't
do just that cleanout. They're saying, look, you have an.

Speaker 2 (29:42):
Old, decrepit clay pipe.

Speaker 1 (29:46):
Okay, we are not going to just patch that because
it's not going to be worth it. So I assume
the insurance company State Farm doesn't give a damn State
Farm says the repair a costs twenty five hundred bucks, and.

Speaker 2 (30:01):
That's what they're going to pay.

Speaker 1 (30:03):
And I think State Farm is strictly confining themselves to
that one cleanout, whereas everyone says it must be replaced.

Speaker 2 (30:11):
So with a.

Speaker 1 (30:12):
Roof claim, if you had a roof problem and the
whole roof has to be repaired or has to be
replaced because of it, like t locked shingles or something else,
they have been forced to do the whole roof.

Speaker 2 (30:26):
But what about a sewer line?

Speaker 1 (30:28):
Can they say to themselves twenty five hundred is what
you get. We don't have to replace your entire line.
How does that work?

Speaker 16 (30:38):
So I guess my assumption here is that they have
service line coverage that he does in fact have what's
called service line tiver.

Speaker 1 (30:46):
Well, I don't know they gave him twenty five hundred
bucks or that could be for the minimal cleanout he
needed in the basement because only.

Speaker 16 (30:54):
A few wondering. Yeah, it could be water backup coverage,
which covers the damage occurred, you know, from the water
backing up. But there's a separate endorsement or or you know,
endorsement you can buy called service line, you know, what
coverage to actually replace that service?

Speaker 1 (31:11):
You know what, Brian, you bring up a good point,
I'll bet you because he said most of the damage
was outside and they caught it quick enough that only
a few gallons of water got inside. I'll bet you
that twenty five hundred dollars is for that initial cleanup.
But Paul, do you have sewer line coverage?

Speaker 15 (31:34):
From what they tell me, they say, I have sewer coverage.
But let me haven't even hold on.

Speaker 16 (31:44):
It's not sewer back up. We understand those are two
different things. What I want to know is if you
have service line backup, I we're going to back them
up forr just service line coverage.

Speaker 2 (31:56):
Dude, Like, did you did you go get your policy?

Speaker 1 (32:00):
Do you have your declarations page?

Speaker 6 (32:02):
Yes?

Speaker 17 (32:03):
I emailed it over to you guys.

Speaker 1 (32:06):
And Brian, Okay, I'm gonna put you on hold. Paul, Brian,
I'm gonna put you on hold. Let's check. Let's check
the DEX page and see what he has. I fear
he does not have the coverage he thinks he has.
And like any homeowner, if you need a service line,
you need a service line, and it's on you. We

(32:28):
got to figure out how we're going to get it
paid because the guy seems to be on hard luck.

Speaker 2 (32:33):
Barbara, what's going on with you? Barbara?

Speaker 8 (32:36):
Hi?

Speaker 6 (32:37):
Thanks? Hi?

Speaker 14 (32:38):
What's taking my call?

Speaker 2 (32:39):
What's happening? Well?

Speaker 12 (32:42):
I received a call earlier this morning from a collection
agency called Consumer Debt Services. Yeah, and they're trying to
collect a debt for the posted medical lambs that I
had done through Medical Diagnostic Labs.

Speaker 2 (33:03):
Now, let me ask you something.

Speaker 1 (33:04):
Did you actually have those tests done there?

Speaker 12 (33:09):
No one has any documentation of my even being in
their system.

Speaker 1 (33:18):
Okay, I want to ask another question. I got to
ask another question. When do they say these services took place?

Speaker 12 (33:25):
July seventeenth, twenty twenty three.

Speaker 1 (33:30):
Okay, we're going to come back to you and figure
out what we can do about this. Go with a
sure thing Denver's Best Roofer Excel Roofing dot com.

Speaker 2 (33:38):
You don't pay a cent until you're content.

Speaker 1 (33:43):
Of the time for an insurance checkup, free no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three O 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
all three nine two zero sixteen twenty two.

Speaker 6 (34:04):
Yeah, ripped of.

Speaker 18 (34:11):
New need so you don't have.

Speaker 19 (34:16):
Come running as fast as we can.

Speaker 2 (34:20):
Shooter's gonna help come.

Speaker 6 (34:23):
Man.

Speaker 9 (34:24):
This is the Troubleshooter Show now, Tom Martinez, Hey, welcome
to the show.

Speaker 1 (34:30):
This hour brought to you by Dan McKenzie McKenzie Law.
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(35:12):
at the same place co Plans dot C O Coplans
dot Co. Dan McKenzie McKenzie Law. So okay, we have
a comment on the state farm policy. What happened was
and I just had a We're gonna go back to
our insurance expert as well.

Speaker 2 (35:28):
But it started with.

Speaker 1 (35:31):
You know, Paul calling and saying I had a sewer backup,
A cleanout section of my clay service line collapsed causing
a backup. The backup was not major, but it comes
I come to find out I can't get a company
to replace just the cleanout. They say that whole line

(35:53):
needs to be replaced, and they won't piecemeal it. It's
going to cost him around thirty grand. His insurance will
pay to twenty five hundred. Now we got two comments
on this. I'm going to take Jerry first. You have
a comment.

Speaker 2 (36:07):
What is your comment on this?

Speaker 14 (36:08):
Jerry, State Farm does offer sewer line coverage for up
to ten thousand dollars and for instance in a collapse. However,
if the property is fifty years or older, that coverage
drops to just twenty five hundred dollars, which it sounds

(36:29):
like that man is in that situation.

Speaker 1 (36:34):
Could be it could be if he has it, or
it could be just for the cleanup inside. Jerry, thank you. Mike,
you have a comment on that sewer line. Go ahead, Mike.

Speaker 20 (36:43):
Yeah, well I had the same thing. It's an old
plate five that collapsed and I had a guy out
of the scope that he found out exactly where it was,
brought a buck backo in love it up. That area
about on maybe six foot wide went down and we
replaced just that collapse piece, and city were all came

(37:04):
out proved it.

Speaker 5 (37:05):
It was forty five hundred dollars.

Speaker 2 (37:07):
Wow. So he he didn't try to talk you into
a whole line.

Speaker 6 (37:12):
Oh, I had other people come out and it was
in that twenty thirty thousand dollar job.

Speaker 1 (37:17):
Yeah, but that was to replace the whole line. But
you said you did find someone willing to do just
the clean out.

Speaker 5 (37:24):
Yeah, it's approved by the city, and I mean.

Speaker 2 (37:27):
No, I get it. Job, Yeah, I get it.

Speaker 6 (37:30):
I appreciate that clean out, right, he put it clean?

Speaker 5 (37:33):
Okay, right there too.

Speaker 2 (37:36):
Okay, cool, Paul. I want to ask you something, Paul.
Did all of them say they refuse to fix just
the spot that collapsed.

Speaker 6 (37:46):
No, they'll fix this.

Speaker 15 (37:48):
I've had one company that'll fix like the area that's
the most concerning. But it's still about twenty thousand dollars
that they want.

Speaker 1 (37:56):
But I don't understand why would just going down fixing
one section be that much money.

Speaker 15 (38:03):
I'm not sure. I'm not a plumber. And I don't
know how to answer that, Tom, why it's just going
to cost that much for it? And I've been trying
to talk with the plumber about why it's going to
cost that much just for fixing maybe two hundred feet
of line there?

Speaker 1 (38:20):
Well, no, no, no, one hundred feet of line would
cost a lot. I'm talking about just how much of
the line is collapsed?

Speaker 15 (38:29):
About goods like sixty to one hundred feet is collapsing.

Speaker 2 (38:33):
Okay, then that o' gone.

Speaker 1 (38:34):
Okay, mix everything I said, Paul, Paul nix what I said.
When I said just fix the clean out. I was
under the impression just a small section had been had
collapsed and was that issue. But you're telling me a

(38:56):
really big section collapsed, and that's a whole different ballgames, sir.
But Paul, how long is your entire sewer line?

Speaker 15 (39:06):
I'd say probably about two hundred feet, No more than
two hundred feet.

Speaker 5 (39:11):
More than two hundred feet.

Speaker 2 (39:12):
Okay.

Speaker 1 (39:13):
Now, Brian Burns, did you look at his insurance policy?

Speaker 6 (39:18):
I did?

Speaker 16 (39:19):
And you know what I got to tell you, you
have some smart listeners out there, because I had gone
down the exact same path as that caller that just
was mentioning the age of the home. And now that
I can look up his house, I do see it's
sixty years old and with State Farm, and he does
have service line coverage. Let me say that he does.

Speaker 2 (39:39):
I see the endorsement. Okay, he does.

Speaker 16 (39:41):
He has service line. However, I don't have the policy,
so I can't read the actual endorsement. But I've read
enough of these from State Farm that it's ten thousand
dollars unless the home is over fifty years old, which
point it reverts to twenty five hundred. So he is
only going to have twenty five hundred dollars a cover
even with the service line enforcement on his policy. And

(40:04):
I hate when carriers do that. I have one that
does it too, and I just I won't even if
someone is coming in they want service line and the
house is this company's just it's nationwide. Just to tell
you they won't. They limited to twenty five hundred when
he gets over fifty years old.

Speaker 2 (40:21):
That's why he got That's why he got that twenty
five hundred. But what about the cleanup? Wouldn't that be
separately paid?

Speaker 16 (40:28):
The cleanup If whatever damage that came into the house,
that should fall underneath water backup coverage, So that should
be a separate limit. The twenty five hundred limits should
be specifically for that service line that's relying in this
case and.

Speaker 1 (40:45):
In this case, so no matter what, he's going to
be out a lot of money because he has a
sixty year old home and he's limited to twenty five hundred. So, Paul,
the good news is you did have service line coverage.
The bad news is it's limited to twenty five hundred
bucks because your home is sixty years old now.

Speaker 2 (41:08):
And I told her what about the claim? What about
the claim for cleanup? What about that? Was that a
separate bill? Paul?

Speaker 1 (41:16):
What did you pay for just I'm not talking about
any sewer people outside. I'm talking about the cleanup. Did
you get a bill for cleanup inside your house?

Speaker 15 (41:28):
I did the cleanup myself. It happened where my wife
ended up in the hospital, and I'm a CNA for her,
so I end up taking care of this problem by
myself and cleaned up the area. And the area that's
affected is.

Speaker 8 (41:43):
Just now untouched.

Speaker 15 (41:44):
It's now just bear bare ground.

Speaker 1 (41:48):
Paul, what is your income? What is the income situation
for you and your wife?

Speaker 15 (41:55):
I'm the income maker and the home I'm disabled to
VET wife is on SSDI, so that's where we're at.
I get paid by the state to maintain my wife's
health and take care of her appointments and stuff, so
that's where I get my income from, and then I
get disability from the VA.

Speaker 11 (42:15):
I have a suggestion for Paul. Paul, you say you're
going ahead, you're disabled VET. Yes, okay, I have a
suggestion for you. You could call the Habitat for Humanity.
They have a repair major house repair program for veterans,
and also the Department of Veterans Affairs and Aurora has

(42:38):
a repair program. You should reach out to them and
see if they will assist you with the funds to
repair the sewer line.

Speaker 1 (42:46):
If you're a vetter, do you really believe do you
really believe he can put his hands on thirty thousand
dollars to fix the sewer line?

Speaker 10 (42:54):
And on that one, I did call Habitat for Humanity
for Vets. I just got their number today and I
made a phone call to them, so I'm waiting to
hear back from them. The other one that's an Aurora
I am.

Speaker 6 (43:06):
Unaware of and I do not know their number or
who they are.

Speaker 11 (43:10):
I can give it to you on the air.

Speaker 7 (43:12):
Yeah, absolutely, Oh, go ahead.

Speaker 11 (43:14):
Department of Veterans Affairs. I used to deal with him
when I was in business. It's three h three nine
to one four five eight three two, And they do
have repair programs. I don't know what they pay, but
it doesn't hurt the call. They may come out and
help you with us maybe even three quarters or half
of that you pay to replace the line. Also, how

(43:37):
do you know the break is like twenty or thirty feet?
How do you know it's that long?

Speaker 2 (43:43):
The collapse he didn't say. He didn't say he said
more than that.

Speaker 1 (43:46):
Actually, I thought, yeah, So, how do you know the
extent of the collapse is what we're talking about.

Speaker 2 (43:54):
How do you know how much of it's collapsed?

Speaker 15 (43:58):
I have clean outs that are were installed back in
two thousand and seven in this house. That are parts
that went to the city hookup and that stopped at
my driveway right next to the concrete.

Speaker 2 (44:12):
And so underneath my concrete.

Speaker 15 (44:14):
All the way to the rest of my house is clay.
But underneath the where the cleanouts are, you can see
in the cleanouts where the clay pipes are broken. Underneath
the concrete, and then you can see.

Speaker 8 (44:25):
Where it goes towards the city.

Speaker 15 (44:27):
Those are all collapsed as well.

Speaker 2 (44:29):
And but what difference does it make? But what difference
does it make?

Speaker 1 (44:33):
If it's fifteen thousand or thirty thousand, it may as
well be a million dollars to him he doesn't have
the money.

Speaker 2 (44:38):
Well, I mean, what difference does it make?

Speaker 11 (44:40):
Tell you why? I thought maybe these companies he called
are trying to sell him a noose sewer line when
he doesn't need it.

Speaker 2 (44:47):
If he only has lit I know that. I know that,
but and obviously we would have that double check.

Speaker 1 (44:52):
But even if he doesn't need a new service line,
what difference does it make if he has to replace
one hundred.

Speaker 2 (44:57):
Feet or thirty feet, it's going to be the same obstacle.
He doesn't have any money. It's not like, oh, it's
only going to be fifteen grand instead of thirty here,
let me write a check. I mean, I understand your concern,
and we would have that concern. But right now the
bottom line is where are funds available for people that

(45:18):
don't have money.

Speaker 11 (45:18):
Tom's not twenty five hundred dollars. Maybe they could just
repair eight or nine feet of it and just get
a temporary so he can have.

Speaker 2 (45:26):
Use of it. That possibly, I don't you want to
know something For twenty five hundred bucks, you get a
hold dug and then cover it up. That's what you get.

Speaker 1 (45:36):
If that, I'll bet you twenty five hundred covers maybe
that part of it.

Speaker 2 (45:41):
Mike, you have a comment, go ahead, Mike caller.

Speaker 1 (45:46):
Mike, Oh.

Speaker 5 (45:49):
Okay, I'm here.

Speaker 6 (45:50):
I'm sorry.

Speaker 5 (45:51):
I was gotting to say. And I think the other
fella amount of answered.

Speaker 7 (45:53):
How did he know that?

Speaker 1 (45:55):
That?

Speaker 20 (45:55):
How long's when the company comes out there and they
scope it and Hope says it starts here, how do
they know where it ends?

Speaker 8 (46:03):
Right?

Speaker 6 (46:03):
Right?

Speaker 2 (46:04):
That's a good question.

Speaker 5 (46:05):
And I know he gave it an explanation.

Speaker 1 (46:08):
No, No, it's it's a good thing to explore. Listen
before anything is done at his house. And Mike, thanks
for the call. I just want to say this. It
goes without saying we want to verify repairs before they're done.
But I would have someone on my referral list help
him out anyway, so therefore you wouldn't have that issue.

Speaker 2 (46:28):
Hey, Tom, But the bottom line is this, right.

Speaker 1 (46:30):
Now, it doesn't matter how much of it needs to
be repaired because he doesn't have the money. Without money,
you can't have any of it repaired, whether it's ten
feet or two hundred feet.

Speaker 2 (46:44):
Kytokay. Yes.

Speaker 4 (46:47):
So Mark and SEUs have been listening and they had
a very decent suggestion that maybe Paul can call Dimitar
at Europlumbing and just basically he would. He always has
the lowest prices, does repair what is needed, So we
can certainly give that number.

Speaker 1 (47:04):
That that is a wonderful idea. I want you to
give Paul Demitar's number euro Plumbing. They are wonderful people.
In fact, do you have it handy that you can
give it to them right now?

Speaker 2 (47:17):
Yes?

Speaker 6 (47:17):
I do.

Speaker 2 (47:18):
Okay, let's give.

Speaker 7 (47:19):
It to him.

Speaker 11 (47:19):
Okay, okay, and go ahead.

Speaker 4 (47:25):
Seven to zero, five hundred three thousand, Very easy.

Speaker 2 (47:34):
Seven seven to zero, five hundred three thousand.

Speaker 4 (47:37):
Correct, Yeah, that is correct a Dimitar at euro Plumbing
EU r O.

Speaker 1 (47:44):
And I believe it's Europlumbing Colorado dot net. I think,
but whatever, I call that number. Seven to zero, five
hundred three thousand, okay. Franked around the real estate man
will do free market analysis of your home if you're
even thinking about selling, but you're not sure what it

(48:04):
will sell for. He'll do a complete detailed analysis based
on your home, the neighborhood, the comps supplying demand, interest rates.
He does it all and he's pretty damn good at it.
And it is really it's even, in my opinion, better
than an appraisal. It shows what houses are selling for,
and it's free of charge. Three oh three nine two

(48:24):
zero sixteen twenty two. Frank randereal estate Man dot com.
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 checkup free, no obligation. In comparison,

(48:47):
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 the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 2 (49:11):
Hey Tom Martino here, Welcome to the show.

Speaker 1 (49:15):
Three oh three seven one three eight two five five
dew we as a comment on plumbing. You know this
sewer line has gotten a lot of action on texting
a lot of people are concerned. You know, there are
many people that are one problem away from not being
able to afford their home. One problem, one major problem

(49:35):
when you buy a home, do you know what's lurking?

Speaker 2 (49:39):
Because owning the home is just part of it.

Speaker 1 (49:42):
And if you if you're slapped with a sewer line replacement,
even a major like like an HVAC replacement, there are
big problems. There should be some kind of finance companies
that specialize in these kinds of emergency repairs.

Speaker 2 (49:58):
I'm serious, and there's got to be a way to
do it.

Speaker 17 (50:01):
Dewey, what is your comment, Dewey, he's busy again in
his decimal system.

Speaker 2 (50:14):
I guess he's not there. Is he there? Just verify
yes or no? Or take him off?

Speaker 10 (50:18):
The phone was up?

Speaker 2 (50:19):
I mean he's not talking, all right.

Speaker 1 (50:21):
Dewey, one more time you have a comment on the
plumbing situation. Okay, he's gone by, Dewey. The reason I
wait for people, You know, our listeners have a lot
of good suggestions. It's really important when you buy a
home that you have that sewer line checked and even

(50:46):
if there's nothing wrong with it, if it's clay, don't
bother buying it.

Speaker 2 (50:51):
There are things you're going to have.

Speaker 1 (50:53):
To look at that will need to be dealt with
during your ownership, and if you can't afford it, you
can't really own the home with peace. There are, as
I said, I mean, barely getting into a home is
not a good idea. It's not unless the home does

(51:13):
not have a lot of accumulated repairs and maintenance or deferred.
Now it's not really deferred if there's nothing wrong, but
it does become an issue when something goes wrong, and
that has been one of the biggest problems I see

(51:34):
with home ownership. People buy a home, then they have
a major repair or maintenance issue and they can't afford it,
and there's no place to go. There's just no place
to go. The cost of ownership. I don't think people
realize that every single month they own a home, there's

(51:55):
a certain cost of ownership that must be accrued for
things that are wearing out. And I think people need
to know this, and that means home ownership is not
always the best avenue.

Speaker 2 (52:11):
Hey, Barbara, what's going on? So?

Speaker 12 (52:17):
I received a call earlier this morning from.

Speaker 10 (52:22):
Consumer that Services and there.

Speaker 2 (52:25):
Oh wait, did we didn't? We didn't? We just wait
do I have you here? Did I already talk to you? Oh? Yeah,
I'm sorry.

Speaker 1 (52:32):
Here it is they're trying to collect for a July
twenty twenty three charge for medical tests. Now you don't
know if you ever had these tests done?

Speaker 6 (52:39):
Is that right?

Speaker 10 (52:40):
Well?

Speaker 12 (52:40):
I've checked with the it's called Medical Diagnostic Labs, which
is where the debt service company claims that the service
was through. I contacted them and they have absolutely no
record of me in their system. I checked my patient portal,

(53:01):
I checked with the my doctor's office and then also
be the nurse triage.

Speaker 2 (53:12):
So there's no record. How much are they trying to collect?

Speaker 12 (53:17):
Six hundred and thirty eight dollars and forty three cents.

Speaker 2 (53:21):
Will they provide you any kind of documentation?

Speaker 8 (53:26):
No?

Speaker 12 (53:28):
He said he can't because of hippo laws.

Speaker 19 (53:30):
And I have I said, I'm the patient.

Speaker 12 (53:35):
But what does concern me is they have my name,
my address, and my date of birth.

Speaker 2 (53:41):
That's the easiest thing in the world to get. I mean,
that doesn't mean anything.

Speaker 1 (53:45):
Here's what I would do, Barbara, And this is what
I tell people to do when someone is trying to
collect a debt. If they will not provide you with complete, absolute, positive.

Speaker 2 (54:00):
Information, details and all of that.

Speaker 1 (54:03):
Then ignore them, and then what happens is it comes
to it comes down to them taking action. It's much
easier to fight something like this once they go to
take action. So I would simply ignore it, wellby I'm sorry,

(54:26):
go ahead, no, no, go ahead, I'm listening.

Speaker 12 (54:30):
They're not threatening to take any action, at least not yet.
But what he did say to me was that if
I don't pay today, then they're going to put it
on my credit record and also charge me a thirty
five percent feet.

Speaker 6 (54:45):
Now, I've never heard of that.

Speaker 1 (54:48):
Well, you can tell them to do whatever they feel necessary,
but you're not paying unless you're convinced you owe it,
and there's no record.

Speaker 2 (54:56):
Of you owing it.

Speaker 1 (54:57):
Again, you don't spend a lot of time, waste a
lot of time worrying about this.

Speaker 2 (55:05):
I just wouldn't do it, Deputy d What did you
want to say, Hey.

Speaker 13 (55:08):
Barbara, while you and Tom were talking, I couldn't find
any record of this collection agency online and so it
makes me wonder if this is just a scammer trying
to browbeat you and get six hundred bucks. But if
you can but the one part where Tom's in my opinion.
Kind of diverge is if you have any sort of

(55:29):
contact information, if you have a mailing address for this agency,
just in case they are a legitimate credit agency. You
want to create a written record of you having disputed
this debt. Right, So where would you create that, Well,
you would send them a letter. You have to send
a new notified mail. I dispute that I owe this

(55:49):
debt to you or any of your clients. I checked
with my doctor and I'll him nothing. And that way,
if they do take you to small claims court or
any kind of a court, you at least have that record. Plus,
if they continue to try to collect on this debt
after you dispute it without them providing any verification, you
actually do have a potential lawsuit against them too for
violating the FDCPA.

Speaker 2 (56:11):
Then what is that tell her? What that is that
the Fair Debt Collection Practices Act, And what does that
provide for the story.

Speaker 13 (56:18):
Penalty of one thousand dollars, but even more important, unilateral
fee shifting provisions, so they would be forced to pay
for barbers.

Speaker 1 (56:26):
So what you're saying is if it's not legitimate and
she documents it to them and they continue to try
to collect it.

Speaker 2 (56:35):
She can take action on fair debt collection.

Speaker 13 (56:38):
Absolutely, and there are lawyers out there who make a
living doing this without charging their clients.

Speaker 2 (56:43):
Because there's an attorney fee provision.

Speaker 13 (56:46):
Yeah, but you definitely want to create a written record.

Speaker 1 (56:48):
Just yeah, but don't lose a lot of sleep and
try to get it a raised too much.

Speaker 2 (56:52):
Don't even worry about a barber.

Speaker 1 (56:54):
Always when these what I call ghost collectors come up
because you can't find them, it's like a ghost haunting.

Speaker 2 (57:00):
You just force them to take action.

Speaker 1 (57:03):
And by the way, they say they're going to mar
your credit, but then all you have to do is
dispute that and they have to show documentation or they
remove it. So what is your comment? Do we I'll
go back to you since you're there. What is your
comment on that plumbing situation? I hope it's a quick one.
If not, I can take you after the break.

Speaker 6 (57:21):
Can you hear me now?

Speaker 2 (57:23):
I can't go ahead?

Speaker 6 (57:24):
Oh okay, yeah Tom.

Speaker 7 (57:27):
Back in the nineties I had a house down in
Brighton that same problem, and I use the company out
of Lannmark called Aqualine where they go in all the
way to the tap as main sower and they use
a resin to code it all the way back, right,
that's right, say about one can't what it would have

(57:47):
cost cost me about twenty five hundred dollars then, which
my neighbor did the same.

Speaker 2 (57:53):
You know what you know that is dewey.

Speaker 1 (57:56):
That is a viable That is a viable option. In
many cases. They can't do it if it's completely collapsed though.

Speaker 7 (58:05):
All they can't. They can't, no, yeah, they can't with
the problem.

Speaker 1 (58:10):
So yeah, so yours was good because you had a
whole system there, a whole pipe that they could go
in and they lined it and they lined it with resin,
and that really does work. In fact, Plumbline Services has
many many alternatives to digging a hole. They have all

(58:31):
kinds of pipe bursting methods where it goes in under
the ground without digging.

Speaker 2 (58:36):
They have a lot of good options. But thank you
for that comment.

Speaker 1 (58:39):
Yeah, there are ways to do it. Three oh three
seven one three eight two five five 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 a
nature check up free, no obligation. In comparison, call Compass

(59:03):
insurance paying too much your coverage at dozens of insurance companies.
Find out now three O 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.

Speaker 2 (59:26):
Hi Tom Martino here.

Speaker 1 (59:29):
Three O three seven one three talk seven one three
eight two five five. You know, I talk about Vestera
Turnkey Vestera like vest.

Speaker 2 (59:42):
I like the name.

Speaker 1 (59:43):
I don't know if it's made up, but it's kind
of like vest investing in terra the earth or property,
and turnkey says it all. And what they do is
help people become landlords and then they hold their hand
through the process.

Speaker 2 (59:57):
That's what's important.

Speaker 1 (01:00:00):
This morning, on one of the houses I'm buying, I
get a message from my mortgage lender that they set
me up with that I need to show coverage for insurance.
You know, now, Barry and his team already have insurance
they use in the markets where you buy the rentals. Otherwise,

(01:00:20):
if Compass was there, I would just simply use my own.

Speaker 2 (01:00:22):
But you don't have to.

Speaker 1 (01:00:24):
So anyway, that was taken care of, and they're going
to be emailing me a binder, but it's you can
sit back and you don't have to do really any
heavy lifting. But people have so many questions about the program, Barry.
If people show up this Saturday, the nineteenth, ten in

(01:00:47):
the morning and they'll find out where and all of that,
if they sign up at my biggest return dot com,
what are you going to talk about?

Speaker 8 (01:00:58):
We're talking about how and why it works so well,
but we get into the how of it, like, here's
how it works because really the title, and it came
from our customers of my presentation.

Speaker 6 (01:01:13):
Is see how good to be Too good to be true?

Speaker 8 (01:01:19):
Too good to be true can be yours. In other words,
people say, well, how do you get thirty five and
forty five percent return?

Speaker 6 (01:01:27):
That's too good to be true?

Speaker 8 (01:01:28):
We hear that skepticism.

Speaker 1 (01:01:30):
Which and by the way, I want to tell people
when we're talking about returns, Barry, when we're talking about returns,
we're talking about the whole captive. You know, the time
they've had it, from what they purchased it at to
what they sell it at and then amortizing that over
the years they've had it.

Speaker 2 (01:01:49):
You're talking about per anim returns. When you average them out.

Speaker 1 (01:01:54):
You have been showing current returns of about thirty to
forty percent.

Speaker 2 (01:02:00):
And higher for years.

Speaker 10 (01:02:02):
This year is a little lower because of the higher
interest rates, but.

Speaker 8 (01:02:07):
Typically it's been higher. Typically it's been forty to fifty percent.
But year after year after year since twenty nineteen, okay,
meaning that's every year. So yes, and we show why
that works, why it is not too good to be true.
It takes a lot of work.

Speaker 10 (01:02:28):
We do the heavy lifting, yes, but we love it.

Speaker 8 (01:02:31):
It's research, research, and a lot more. And we describe
what that research is in.

Speaker 2 (01:02:37):
A friendly way, in a.

Speaker 8 (01:02:38):
Fun way, not a boring engineering and I'm not against engineers,
but not in that boring context, but in the exciting
reality with handouts right buying all the.

Speaker 6 (01:02:51):
Things that are going on.

Speaker 2 (01:02:52):
It's a favery.

Speaker 1 (01:02:53):
Somebody texted me the other day when you were on
They want to know. You know a lot of companies
have personal representatives, like personal bankers and all of that.
Does anyone have one person, one point of contact when
they become a client of yours?

Speaker 2 (01:03:09):
Do you assign like a project manager to them?

Speaker 6 (01:03:13):
Yes?

Speaker 8 (01:03:14):
Yes, now it's really two people. It's their initial contact person.
But as soon as then the buyer becomes the owner
buyer of the property.

Speaker 6 (01:03:26):
They are with two.

Speaker 8 (01:03:27):
People, then the one they have known, but then a coordinator.
Our company chose customer care coordinator assigned one person take charge.
I was in touch with Dave on an issue this morning,
five different times so far. He has been dealing with

(01:03:49):
a little hiccup with the lender. Okay, things happen, and
sometimes hiccups are on the other side of the transaction.
And quote, your customer coort handles that little hiccup and
the customer doesn't even know it most of the time.

Speaker 1 (01:04:06):
Okay, somebody else wanted to know. Do you babysit the
loans right now? The loans are a little higher than they.

Speaker 2 (01:04:13):
Used to be.

Speaker 1 (01:04:14):
When loans go down enough to make refining possible. I
know you only hold the house, let's say up to
three years, but let's say a year into it.

Speaker 2 (01:04:23):
Do you do the math to see if a ref
I would work? Big time, big time.

Speaker 8 (01:04:29):
This is why I like the word engineer. We are
engineering watching monitoring loans basically every day.

Speaker 6 (01:04:38):
Of the week.

Speaker 8 (01:04:38):
Yes, mostly Monday through Friday.

Speaker 10 (01:04:40):
But every day of the week we're watching what loans.

Speaker 8 (01:04:43):
Are doing and what type loans come available because as
our economy approves, Trump is improving the economy, even.

Speaker 6 (01:04:51):
Though you know there has some you know, ways to
get there.

Speaker 8 (01:04:55):
As that improves, they're going to be better product of loans,
and we're producing those better products. And then we have
leverage with the lenders, and we're monitoring the loan world
every day to make the best options available for our customers.

Speaker 2 (01:05:13):
And in a nutshell, what kind of markets do you?
In a nutshell? What kind of markets do you choose
and select for your investments?

Speaker 8 (01:05:23):
In a nutshell, the strongest economies now, the strongest economies
for the next three years have to be proven with data.

Speaker 5 (01:05:32):
That's where we go.

Speaker 8 (01:05:33):
But the strongest economies have the most increase in jobs,
the steadiest jobs, the strongest jobs, and the highest appreciation rates.
In the United States, we have the top five markets.

Speaker 2 (01:05:49):
And then by the way, Dragon, do I owe you
a break?

Speaker 1 (01:05:55):
Okay, So Barry my Biggest Return dot Com, My Biggest
return dot Com for this Saturday, I'm gonna be there
too to talk about making partial investments if you want,
instead of the whole thing. Again, we'll both be there
and it's this Saturday ten in the morning. My Biggest
Return dot com. Go with a sure thing Denver's best

(01:06:22):
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 call Compass Insurance. Pay 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 the

(01:06:44):
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.

Speaker 2 (01:06:56):
Rip news, So you.

Speaker 6 (01:07:00):
Don't have.

Speaker 2 (01:07:04):
As a cad.

Speaker 13 (01:07:07):
Shoot is gonna help?

Speaker 9 (01:07:08):
Come Dix is the Troubleshooter Show. Now Tom Martine.

Speaker 2 (01:07:17):
Hey, I'm Tom Martino. Welcome to the show.

Speaker 1 (01:07:19):
Three ozho three seven one three dog three oh three
seven one three eight two five five. Hey, what's going
on in your life? How can we help you? We
want to help, So let's go to the phones. You know,
Susan has been working with Candy. Candy had an issue
with the sidewalk in front of her house. Hey, Candy,
can you explain what the problem was with your sidewalk?

(01:07:40):
It was just frustrating as hell.

Speaker 19 (01:07:42):
Yes, it was the curb actually in the front of
the house that's been broken for Oh boy, we've been
in the house twenty two years and we've been calling
the steam County of Denver.

Speaker 2 (01:07:56):
Come on, wow for twenty years, twenty two No, wait
a minute.

Speaker 1 (01:08:02):
Wait a minute, it has How does that affect.

Speaker 2 (01:08:08):
You when you say it's cracked? What does it mean?
Draw me a picture.

Speaker 19 (01:08:13):
So basically, what's happening is the curb is busted in
the front and it's jutting out into the spillway there
the gutter. So whenever it rains, the sprinkler systems are
on by the neighbors, our sprinkler whatever, all the water
sits in front of our house.

Speaker 2 (01:08:34):
And I mean, oh so it blocks the drain.

Speaker 19 (01:08:37):
It blocks the drain, and the city says, oh well,
we'll put you on a list.

Speaker 2 (01:08:44):
So what is that that results in flooding for you?

Speaker 19 (01:08:48):
Uh, it's a mess. It's like awake in front of
the house. I sent Suzanne some pictures and everything just
sits there.

Speaker 1 (01:08:55):
So and for twenty wait, come on, come on, for
twenty two years, no one's done anything.

Speaker 19 (01:09:04):
Come on, man, We're on a list, is what they
tell us.

Speaker 1 (01:09:10):
Okay, on a list for twenty two years. Sus what
did you find out? Hello, Sus.

Speaker 18 (01:09:18):
Tommy, did you see the pictures I sent you in
your email of her curb and the nuisance ponding there.

Speaker 10 (01:09:24):
I'm looking at it right now, really good idea of.

Speaker 21 (01:09:28):
What is going on.

Speaker 2 (01:09:30):
Yeah, I'm looking at it right now.

Speaker 1 (01:09:32):
It's amazing that a cracked curb can cause all that trouble. Yeah,
it doesn't look like it could block anything. I don't understand,
really and truly, Candy, to be honest with you, I
see the cracked curb and it's not I appealing, But
I don't see how it's blocking anything.

Speaker 2 (01:09:53):
I mean, I'm not arguing with you. I just don't
see how it's blocking that storm drain.

Speaker 1 (01:09:57):
You're talking about that concrete storm drain going down the
side of your house.

Speaker 2 (01:10:01):
That crack is not anywhere inside that drain.

Speaker 19 (01:10:05):
What's happening to Paldy that's botting out into the gutter.

Speaker 2 (01:10:10):
It doesn't jut out into the gut. It juts out
one inch into the gutter.

Speaker 19 (01:10:15):
Yeah, that's it's We've had contractors come and look at it.

Speaker 1 (01:10:20):
Well, I'm going to give you some good and bad news.
I hope they got to fix. But it's not going
to solve your problem. I mean, sus go ahead, I
interrupt you go ahead, sus No.

Speaker 22 (01:10:30):
That's okay.

Speaker 18 (01:10:30):
So I reached out to the City of Denver. I
heard back from him as Nancy Cohon. She's the director
of the City and County of Denver Department of Transportation
and Infrastructure. And this is it's a short, little no
very nice. DOTI engineers visited this location before and after
a recent rainfall and observed what is called nuisance ponding

(01:10:51):
created by a low spot along the curb line. At present,
there is no funding for a full reconstruction of this
curb and gutter, which may be fed to eliminate the
ponding problem.

Speaker 22 (01:11:02):
As such, and as the situation presents no significant public
safety threat, we'll look to address it next time we
do curb and gutter work prior to re paving the street.

Speaker 18 (01:11:13):
We do not yet have a timeline for repaving. And
then she also said, if Candy had more questions, to
give her this particular email of Peter Kozinski.

Speaker 19 (01:11:24):
DOTI engineer architect manager. But as of right now, it's
just nuisance ponding.

Speaker 8 (01:11:29):
Tom.

Speaker 2 (01:11:29):
If you see the.

Speaker 1 (01:11:30):
Picture, well, I listen, I hate when people call me
for help and I have to tell them I disagree
with him. She's thinking that that crack is causing that,
and it's not. It Now the good news is the
good news is, oh, I don't know if it's good news.
That it is a real problem and the city acknowledged it,

(01:11:54):
but they put it law on that priority.

Speaker 18 (01:11:57):
So yeah, they don't have any funding for it right
now now, is what they said.

Speaker 2 (01:12:01):
And well, of course they don't.

Speaker 19 (01:12:02):
I wondered if they have bigger fish to fry.

Speaker 18 (01:12:05):
If you've driven around Denver anytime recently, Tom, No, it's
not great with some of their roads.

Speaker 1 (01:12:13):
Of course it's not. It sucks, and I think what
we're gonna find. I think what we're going to find
is more and more like this. I mean, with let's
just face it, with the sanctuary city comes a great
deal of expense and the homeless and everything else we invite,

(01:12:33):
and they don't have enough money and so they can't
create it. There's really nothing. When the city looks at
this and says we're not going to handle it. You're
on a list and it's low priority and we don't
have the money. Candy, I mean, we did, we gave
it our best. At least we got directly to them
about it. But Candy, between you and me, you need

(01:12:57):
it needs to be resloped and rebuilt.

Speaker 2 (01:12:59):
That gutter, that that storm drain. That that crack is
not causing that backup.

Speaker 1 (01:13:06):
It's not even physically possible that it would cause that backup.
There's there's just no way I may even put that
picture up online. It's just not possible that it's all
coming from that crack.

Speaker 2 (01:13:21):
It just isn't.

Speaker 1 (01:13:22):
Now, I'm not saying you don't have a problem. You
probably do have a problem, but it's not that crack.
That's not the problem. But I wonder for twenty two
years they haven't done anything.

Speaker 11 (01:13:34):
That's ridiculous.

Speaker 2 (01:13:36):
It is ridiculous.

Speaker 19 (01:13:37):
Just to get out, get your broom mouth and sweep
it every day. That's what those people that were out
three years ago from the city told me, Candy, take
your broom and sweep it every day.

Speaker 2 (01:13:51):
When it rains.

Speaker 11 (01:13:51):
We're about in Denver.

Speaker 2 (01:13:53):
Do you live Candy.

Speaker 19 (01:13:57):
Central Death, I can send you the address.

Speaker 11 (01:14:00):
Okay, Well, what I think you should do, Candy. When
they say they're going to put it on the list
to get to it, that means they're never going to
do it. I think you need to call a councilman,
Kevin Flynn. He's one of the most responsive counselmen in Denver.
I have his phone number. You could just call and
start complaining to his office. He's pretty good.

Speaker 18 (01:14:19):
Have you seen the picture of the nuisance ponding.

Speaker 11 (01:14:22):
I haven't seen anything.

Speaker 10 (01:14:24):
So you have a better idea of what we're fighting
for here. Okay, appreciate you guys.

Speaker 1 (01:14:31):
Well, we'll do whatever we can. But sus, what is
your candid opinion about this?

Speaker 18 (01:14:39):
I mean, miss Candy seems like a nice lady, and
I'm sure she's really frustrated Tom. But to me, that's
that that little like where the leaves are up against
the curb with a little water. To me, that's every
neighborhood street in the world, just about.

Speaker 1 (01:14:54):
That's what I'm saying Undertand that's exactly.

Speaker 10 (01:14:56):
Bigger fish to fry.

Speaker 8 (01:14:58):
And it's not on the list right now.

Speaker 1 (01:15:00):
That's exactly what I'm thinking. It just doesn't seem try. Yeah,
But but okay, and thank you for that. Three oh
three seven one three talk seven one three A two
five five. You know, as I said, we give everything
a try, but sometimes there's just no help. There's just
nothing we can do about it. And uh, even though

(01:15:22):
we try so, we have more coming right up. 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. In comparison, call
Compass Insurance paying too much your coverage at dozens of

(01:15:46):
insurance companies find out now three oh three seven seven
to one.

Speaker 2 (01:15:49):
Help.

Speaker 1 (01:15:49):
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, tell Martino you're troubleshooter three O
three seven one three talk seven one three eight two

(01:16:12):
five five Sarah, what's going on with your daughter's apartment?

Speaker 2 (01:16:15):
Hello Sarah?

Speaker 21 (01:16:17):
Hi Tom, Hey, Yeah, they're water heater quit leaked all
over on Saturday.

Speaker 2 (01:16:25):
When Oh, okay, so it did more. It did more
than quit it Did it break at the bottom?

Speaker 21 (01:16:31):
Well, I'm not totally sure. I assume the TMP had
gone off, but I guess there was water. The maintenance
sky came and said, we're going to have to replace
it set it off. So okay, and now here we
are on Thursday and they still don't have a water heater.

Speaker 2 (01:16:56):
Okay, when do they what? When do they say they'll
have it? They don't.

Speaker 21 (01:17:01):
They got my daughters sent a couple emails and they
got an email last night.

Speaker 8 (01:17:07):
I believe seven point thirty that says how.

Speaker 2 (01:17:10):
Long has it been total? How many days total?

Speaker 10 (01:17:13):
While we're on six six days?

Speaker 1 (01:17:17):
Yea, And okay, okay, we need to get Deputy I
want to get Deputy Dimitri to call down there and
just say, look, this is one of the warranty of
habitabilities issues. In other words, she can break her lease
and leave, and or she can get it done and
charge them. There is a way for her to actually
break her lease. Excuse me, there's a way for her

(01:17:39):
to withhold rent to get this fixed.

Speaker 2 (01:17:41):
Did you know that? No?

Speaker 21 (01:17:44):
And that's why I'm calling you, because you know they've
given her an apartment one four floor below that she
can you know, oh her dirty dishes down there in
a wagon and go down there and take a shower.
But I'm concerned safety.

Speaker 2 (01:18:00):
Wise for that How long do they say it's going
to be well?

Speaker 21 (01:18:04):
So the email last night said that they are still
contacting vendors to try to figure out how they're, you know,
to find a water heater to replace this. This is
that twenty one Fi Simmons in Aurora. It's a big
apartment complex on the north side of Anshue.

Speaker 1 (01:18:22):
Yeah, but I don't I'm not sure how the Warranty
of Habitability Act addresses this because they are giving her
an alternative. Now, I'm not saying that they get out
of it, but her rights under the Warranty for Habitability
Act is to write to them, ask them to repair it,

(01:18:43):
and if not, she can withhold a portion of the
rent to get it fixed. How I mean, but this
might be as much as four thousand dollars. How much
does she paying rent?

Speaker 21 (01:18:57):
Twenty seven hundred?

Speaker 2 (01:19:00):
So really, if done.

Speaker 1 (01:19:02):
The right way correctly, she can do the Warranty of
Habitability Act and enforce her rights.

Speaker 2 (01:19:12):
But I'm looking for the damn pdf I wrote.

Speaker 1 (01:19:15):
I got to find it, I wrote, I had a
social posting on this that I want to get to yes,
and it literally shows how to do it step by step.
I got to find it. I put it on YouTube,
so I'll go find it. It's on one of my videos.

(01:19:36):
But it's truly the way to do it, and I
think that that's going to be her best bet. But
before she has to do that, maybe if Deputy D
calls down there and says, this is what can happen,
why don't we just avoid it, and why don't you
get her you know the dang?

Speaker 2 (01:20:00):
Yeah?

Speaker 21 (01:20:01):
Yeah, because she does not want to break her lease.
She needs to live there because she's a student at
Anshoot or at SeeU there and she wants she wants
to live this at this place. I'm calling because I'm
concerned for her safety going downstairs to take a shower.
I don't know who's got a key to that place.

(01:20:23):
It's very concerning. And besides just the you know, we
live in Denver. There are supply houses all over town
that have water heaters. So I just it's six days.
I'm thinking they need to be doing something and.

Speaker 10 (01:20:38):
I do too.

Speaker 2 (01:20:40):
And what were you going to say, Deputy D.

Speaker 13 (01:20:42):
Sarah, I was wondering, are they willing to move her
into another apartment?

Speaker 15 (01:20:45):
No?

Speaker 2 (01:20:45):
No, they didn't move her, But you heard what they
are doing for her right Well, they're.

Speaker 13 (01:20:49):
Letting or use a vacant apartment to wash her dishes.
I'm just wondering if it's a possibility for.

Speaker 2 (01:20:54):
Her just to move into that vacantmand Do you know
what a pain in the ass that would be.

Speaker 21 (01:20:58):
Yeah, yeah, I don't. I just moved her.

Speaker 8 (01:21:03):
I just moved her.

Speaker 21 (01:21:04):
So she's only been in this apartment since I think
the end of May.

Speaker 13 (01:21:09):
So, well, do you want me to call them and
find out when they're going to fix the water heater?

Speaker 2 (01:21:13):
That we're not.

Speaker 21 (01:21:15):
Trying to start trouble here with them, but you know,
we're kind of just feeling like they're using you know,
I just think they're a big enough apartment complex and
we are in Denver, their supply houses that it should
not be that difficult to get a water heater in that.

Speaker 13 (01:21:32):
Okay, So does it just boil down to their their
their claim that they can't find an appropriate water heater
for her apartment or are they just not following up
at all?

Speaker 21 (01:21:41):
Yeah, going on the email last night said that they
are still working with vendors to try to find a
water heater.

Speaker 11 (01:21:49):
It sounds fashy water heaters are and plentiful supply. You
should send Dimitri a picture of the water heater and
I'll research it be we can find on this afternoon.

Speaker 13 (01:22:01):
That's where shaking a copy of Yeah, we're shooting a
copy of that email, and I'll give them a call
the moment I get your email, right, because I assume
you're bringing a name and a phone number.

Speaker 2 (01:22:11):
I think we're on we're on the road to somewhere.

Speaker 1 (01:22:16):
Let them help you out, because I look at there's
I think if we simply call them, they're going to uh,
They're going to.

Speaker 13 (01:22:24):
Tell me what the exactly and what exactulutions are. And
if they can't find the water heater, then Bo, who
spent his whole life in the water heater business, we'll
be able to find us the water.

Speaker 1 (01:22:34):
Yeah, I don't think if they can't find it, I
think they're trying to cheap out.

Speaker 21 (01:22:38):
I do too, and that's what I would hope not.

Speaker 10 (01:22:43):
But that's why I called you guys, because by the.

Speaker 13 (01:22:46):
Way, i'll call them right now.

Speaker 1 (01:22:47):
Also, I'm going to send you if you leave your email,
I'm going to send you this step by step guide
that I wrote.

Speaker 2 (01:22:56):
I did find it and I want to send it
to you. And in it it really works. I mean,
she will really.

Speaker 1 (01:23:04):
Get to withhold rend and they can't e Victor if
she does this the right way. But so so, we'll
have Deputy Baux call right now. Let's take it one
step at a time. But I think we can help
you one way or another.

Speaker 2 (01:23:20):
Okay.

Speaker 21 (01:23:21):
Like I say, we're not trying to cause trouble with
this place. That's the last thing we want to do.

Speaker 2 (01:23:25):
But I want my daughter to have a water you know,
I get it, I get it.

Speaker 23 (01:23:30):
It's six days.

Speaker 21 (01:23:31):
I'm in the business, and I know you can get
a water heater way quicker than six days.

Speaker 1 (01:23:37):
So okay it guys, all right, hold on, Kachino'll get
you on hold and get your details. Tim, what's going
on with you? Hello, Tim, Welcome to the show. I'm
Tom Martino.

Speaker 24 (01:23:49):
Hey Tom, Hey, So, my wife and I got a
postcard in the mail for to participate in the travel
focus group back in May.

Speaker 23 (01:23:57):
Yeah, and we were promised that even if.

Speaker 6 (01:24:03):
We just did the focus group, that we would in.

Speaker 23 (01:24:06):
Exchange for our time, we would get a gift card
to like a Chili's or whatnot. And then the bigger
reward was to get a three to five night day
cruise if we just participated. So we did that on
May thirtieth, We went through kind of the song and dance.
We went through their pitch, which is basically.

Speaker 25 (01:24:24):
Getting to commit to a club membership to basically sign
up for a program that if we signed up for
the program, we would get discounted hotels and such in
the future whatnot. Basically, we declined, and we went through
a few different hoops to jump through.

Speaker 23 (01:24:39):
To decline, and at the end of the call, they
promised that we would get this gift card as well
as the.

Speaker 1 (01:24:45):
Thank goodness, thank goodness, thank goodness, you did not buy
into that scam travel club.

Speaker 13 (01:24:52):
This sounds so familiar, Tom. You may recall that we've
been working with another gentleman by the same name, Tim,
who's Who's from Colordo Springs, and he wrote a check
for seventy nine hundred dollars.

Speaker 2 (01:25:04):
No, you didn't pay any money, right, Tim, No.

Speaker 25 (01:25:07):
No, of course not.

Speaker 2 (01:25:08):
They had a few different the first tim with this company.

Speaker 1 (01:25:11):
Tim, Tim, you're not going to get it, Okay, You're
just not. You're not going to get it. Just I
just want to tell you that upfront you're not going
to get it, and they know that there's nothing.

Speaker 2 (01:25:20):
You can do about it.

Speaker 1 (01:25:21):
What's the name of it, Yeah, but okay, hold on,
let's just talk one thing at a time. What are
you going to do to get it? You got a
flyer in front of you that promises it. Who's going
to enforce it?

Speaker 10 (01:25:32):
Yeah?

Speaker 24 (01:25:32):
I mean I have an email and I have an
eight hundred number.

Speaker 1 (01:25:35):
Who is going to Okay, I'm asking Tim straight up.

Speaker 2 (01:25:40):
What I talk about on this show is what I
call true life.

Speaker 1 (01:25:44):
Who will enforce the terms and conditions of that flyer
and the email?

Speaker 2 (01:25:51):
Who will enforce it?

Speaker 24 (01:25:53):
I don't think anybody will.

Speaker 2 (01:25:55):
That's right.

Speaker 1 (01:25:57):
So if they decide not to do it, what's going
to force them to do it? The only thing that
would force them to do it. The only thing that
would force them to do it is public pressure. If
enough people found out about it and started posting online
that they're scams.

Speaker 2 (01:26:14):
Deputy d what were you going to say?

Speaker 13 (01:26:15):
I was just wondering who this company is. I'm wondering
if it's the same one Tim who invited you to
this same.

Speaker 2 (01:26:20):
Yeah, what is the name of it?

Speaker 26 (01:26:23):
It's a company called Epic Journey And you.

Speaker 2 (01:26:26):
Didn't even have to go anywhere it was it a
zoom or phone or what?

Speaker 24 (01:26:30):
Yep, it was a zoom at home with maybe a
dozen other.

Speaker 2 (01:26:34):
People, okay, and did any of them buy.

Speaker 24 (01:26:42):
Well, I don't know because after they pitched all of us,
then we went into kind of this little chat room
with It was kind of a one on one which
we said yeah, your nay, and we said nay, and
then it went from there.

Speaker 25 (01:26:53):
They weren't very happy when we said nay.

Speaker 24 (01:26:55):
But now I'm just hoping to get what they promised,
that's all.

Speaker 2 (01:26:59):
Yeah. So, so how much was the gift card for.

Speaker 26 (01:27:04):
One hundred dollars for like a Chili's or whatnot? And
but the bigger promise was a complimentary three, five or
seven night crews.

Speaker 23 (01:27:15):
Yeah, but they didn't give us any information on that.

Speaker 5 (01:27:18):
But this is all just in the floor, all right.

Speaker 2 (01:27:20):
Let me tell you how the cruise works.

Speaker 1 (01:27:23):
For those who do get it, they never take it
because you're required to pay for your airfare to and from,
so they don't do that, and then you're required to
pay a number of other fees that aren't included. The
only thing you get is a room on one of
these short cruise lines out of Florida, and it's not

(01:27:48):
worth the money you have to pay because you have
to buy the airfare. They make it so you can
book your own air if you want, but then you
have to pay for a hotel to wait to get
onto the boat. Are you that hurting for a cruise?
You can save money by just buying a cruise. You
know it'll cost you more money to take this free

(01:28:08):
cruise and it's the crappiest room, the crappiest boats, and
the crappiest.

Speaker 2 (01:28:14):
Cruise you can take. Did you really believe it was
going to be like a real cruise?

Speaker 26 (01:28:20):
Well, they hooked us in because they promised airfare in
the ad in.

Speaker 6 (01:28:24):
This in this postcard.

Speaker 24 (01:28:25):
So that was what really hooked us.

Speaker 25 (01:28:26):
Because I get you with the air for being a
big costs.

Speaker 2 (01:28:28):
But when you call them back, what do they say?

Speaker 26 (01:28:34):
When we call them, they say, we'll reach out and
we'll let you know.

Speaker 24 (01:28:39):
And I've had reached out like three times.

Speaker 1 (01:28:43):
So that's why, Hey, I wouldn't mind giving him a
call and asking him where your cruise is and your airfare.

Speaker 2 (01:28:50):
I wouldn't mind doing that at all. Hey, bo, do
you want to give them a quick call?

Speaker 11 (01:28:54):
Yeah, get me the end, let's see it.

Speaker 2 (01:28:57):
But I'd like to do it during the show to
see what they actually say.

Speaker 6 (01:29:00):
Let me.

Speaker 2 (01:29:00):
Let me give this to BO to call. Yeah, I
don't want to load you up.

Speaker 6 (01:29:05):
BO.

Speaker 2 (01:29:07):
Hold on, we'll get the information. We'll get the information
off the air.

Speaker 1 (01:29:11):
I'm Tom Martino three O three seven one three talks
seven one three eight two five five. 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. In comparison, call Compass

(01:29:34):
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven 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.

Speaker 2 (01:29:58):
I'm Tom Martino here.

Speaker 1 (01:30:00):
Three O three seven one three talk seven one three
eight two five five. That was a flurry of calls.
We have open lines now for the first time this morning.
Three O three seven one three talk seven one three
eight two five five.

Speaker 2 (01:30:17):
But we do have things to talk about. I found
the sheet.

Speaker 1 (01:30:22):
I got the one that helps you to you know,
to uh file under the habitability laws Okay, now I'm
going to go over it with you so we can.

Speaker 2 (01:30:36):
Talk about it.

Speaker 1 (01:30:38):
Colorado law gives residential tenants the right to live in
a safe, sanitary, habible habitable housing. It's called quarranty of
habitability statue. Now, this is from what I wrote that
I can send out to people. You can also find
it at YouTube on the playlist called Tenant landlord or

(01:30:59):
landlord ten and the name of the video is know
your Rights Now.

Speaker 2 (01:31:06):
The information is provided as a guide. Okay.

Speaker 1 (01:31:10):
If you have any doubts, you consult an attorney or
look it up. Examples of habitability issues a lack of heating,
a lack of running water, hot water or plumbing, a
lack of electricity or any part of the electricity, electrical
system like exposed electrical hazard or wires, broken windows, doors

(01:31:36):
and locks which come bounder security, structural hazards like collapse
ceilings or floors, serious roof leaks, stuff like that, Unsafe
gas equipment if you have a leak, malfunctioning stoves, heaters
or appliances, infestations, rodents, cockroaches, bedbugs in that kind of thing.

(01:31:59):
Sewage backs or a septic system that doesn't work. Inadequate ventilation,
meaning you're getting condensation of moisture inside or mold or
stuff like that. Presence of hazardous material like a lead
based paint, asbestos, or dangerous levels of carbon monoxide, or

(01:32:20):
any condition that violates the building or housing code. Okay,
this is really important to know. Examples of issues covered
by things could be minor like cosmetic issues. Chipped paint,
small cracks, dirty carpet, or worn flooring is not covered.

(01:32:44):
So there are some things not covered. Most cosmetic issues
are not covered. Okay, now this is now. Now there's
something you can do about it. Here's a step by
step guide and let me just go over this. You
I have to establish that your issue falls within the
parameters of the law, okay the things I mentioned. Gather

(01:33:08):
evidence like photos, videos, expert reports, medical records. Even First,
you provide written notice to the landlord describing the issue.

Speaker 2 (01:33:20):
Clearly explain the problem.

Speaker 1 (01:33:22):
There is visible mold and a musty odor under the sink,
stuff like that, and then give permission for the landlord to.

Speaker 2 (01:33:31):
Enter to inspect and fix it. Now, you deliver this notice.

Speaker 1 (01:33:38):
Like by email or a tenant portal or regular mail,
and keep a copy for your records. Under the law,
the landlord must respond. Now this is for a real notice,
done the real way. They must respond within twenty four
hours stating how and when they plan to fix it,

(01:33:58):
or if they disagree with you, they have to tell
you why. They must start repairs within ninety six hours
for urgent problems like mold and stuff like that. If
repairs are not started, here's how you remedy. You give notice.

(01:34:19):
For serious issues, you must give the landlord ten days
notice that you intend to do it yourself. So this
is after the first notice that they ignore, you now
give a notice that with ten days written notice that
you will start to repair and deduct it from the rent.
If it's an emergency, you don't have to give it

(01:34:41):
ten days notice. You only give forty eight hours notice.
Then you hire a professional, a reputable contract, legally qualified.

Speaker 2 (01:34:51):
And then what you do is pay for the repairs
and make a notice.

Speaker 1 (01:34:58):
So you send the invoices to the landlord, and then
you deduct it from the rent. You must follow step
by step guides, so google them and follow them.

Speaker 2 (01:35:09):
Without a step by step guide, you're out of luck.
But if you do it the proper way, you.

Speaker 1 (01:35:15):
Will literally be able to do the repairs yourself, and
it does work, but you must.

Speaker 2 (01:35:21):
Do it the proper way. Now they may threaten you,
we're gonna throw you out. We're gonna do this, We're
gonna do that. Don't listen to them.

Speaker 1 (01:35:30):
Don't listen to them if you follow the Warranty of
Habitability Act and the Constructive Eviction and you truly see
some people just withhold rent and they spend the money
and then you know what they do, They just you
know that what I mean, They just withhold the rent
and then they get pissed off.

Speaker 2 (01:35:48):
But they can't. You can't just withhold rent.

Speaker 1 (01:35:51):
Every dime must go toward fixing it, and whatever's left
goes to the landlord.

Speaker 2 (01:35:56):
I'm Tom Martine. This is the Troubleshooter Show.

Speaker 1 (01:36:06):
Go with a sure Thing Denver's Best Roofer Excel roofing
dot com.

Speaker 2 (01:36:10):
You don't pay a cent until you're content.

Speaker 1 (01:36:15):
Time for an insurance check up, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies.

Speaker 2 (01:36:23):
Find out now three oh three, seven to seven to
one help.

Speaker 1 (01:36:26):
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, you're Troubleshooter three O
three seven one three talks seven one three eight two
five five.

Speaker 2 (01:36:46):
For some reason, I can't there. We go all right?

Speaker 1 (01:36:50):
If you have any questions, problems or complaints, give me
a call again. We've had a flurry of calls and
I did go over that warranty of Habitability Act and
I want to mention this.

Speaker 2 (01:37:01):
I am going to.

Speaker 1 (01:37:03):
Make it available again for people, and all you have
to do is write to me at help at troubleshooter
dot com and then we will respond and put it
as an attachment.

Speaker 2 (01:37:20):
But remember the things not covered are minor.

Speaker 1 (01:37:24):
Cosmetic issues dirty carpet, warren flooring unless the flooring is
a hazard, and personal preference issues like the water pressure
and all that unless it violates code. So when you
follow the step by step guide, what you will find
is that most landlords won't respond, and you will be

(01:37:47):
shocked at how many will try to evict you and
they won't.

Speaker 2 (01:37:52):
Be able to.

Speaker 1 (01:37:54):
The Colorado has completely shifted from landlord centric to tenant centric.

Speaker 2 (01:38:02):
So, and here's the important thing. Where people fail. They
don't deliver notice in a way the lease allows.

Speaker 1 (01:38:12):
In your lease, it should mention how all notice and
communication is done. Very few leases would not have that
if the lease does not have a method of delivery
US mail. Registered mail is usually the best personal service.
If you want to spend thirty five bucks to have

(01:38:33):
the landlord personally served and get an affidavit from the
process server, that would be perfect.

Speaker 2 (01:38:40):
Or a tenant portal where you can upload things.

Speaker 1 (01:38:43):
So each lease and each landlord will have a different
way to receive notice, but personal service.

Speaker 2 (01:38:50):
Will always work. Always.

Speaker 1 (01:38:53):
Now they say, well, you didn't send it by registered mail,
but you can show that you personally served.

Speaker 2 (01:38:59):
It's what's called substance over form.

Speaker 1 (01:39:02):
Go with a sure thing Denver's Best Roofer Excel roofing
dot com.

Speaker 2 (01:39:06):
You don't pay a cent until you're content.

Speaker 1 (01:39:09):
Wait 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 oh three
seven seven 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.

Speaker 7 (01:39:37):
Ripped of.

Speaker 13 (01:39:39):
News, You need advice who you don't have?

Speaker 2 (01:39:44):
Come runs as we can show, Shooter's gonna help.

Speaker 19 (01:39:50):
Come.

Speaker 2 (01:39:52):
Six is the Troubleshooter Show Now, Tom Martinez, Hey, welcome
to the show. I'm Tom. We love doing this. You know, really,
when you think about it, where in.

Speaker 1 (01:40:03):
Radio can you go and not get preached to about
politics or religion or anything.

Speaker 2 (01:40:08):
I'm not pontificating. I'm just trying to help you.

Speaker 5 (01:40:11):
Now.

Speaker 2 (01:40:11):
Certainly I have all of my own ideas on these things.

Speaker 1 (01:40:15):
And I let you know about them when they affect
our pocket by our pocketbooks for sure. So I do
have opinions on the political things as they affect our finances.

Speaker 2 (01:40:25):
So welcome to the show.

Speaker 6 (01:40:27):
Now.

Speaker 1 (01:40:29):
Joe called in about an issue with Legends auto care
and customs, and then we have this follow up and
Tim and this damn vacation club. And as I said,
these offers are never enforced. Okay, they say, hey, just

(01:40:51):
come to the meeting and you get this free or
that free. And nothing's ever free. No one has ever
gotten airfare and a cruise ever for just attending a timeshare?
Never ever, ever, in the history of mankind, has anyone.

Speaker 2 (01:41:05):
Ever gotten it? Never?

Speaker 1 (01:41:07):
Okay, the Federal Trade Commission could take issue, but they don't. Okay,
they don't find it important enough. But if you want
to know the truth, this so called free cruise and
airfare ends up costing you money. And then these gift
cards are never given out unless you lie cheating Noll.
Not lie cheating Seal. They lie cheating Seal. You have
to just bat the hell out of them to get it.

(01:41:29):
It's terrible. Now, Bo, did you call on this package?
I asked you to called it. I don't think there's
any hope. What did they say?

Speaker 11 (01:41:35):
This is what happened. And I'm glad Tim called back
in so he could hear what happened. Had I called
three times? And I said I was Tim, and I
gave him the VIP code, and as soon as I did,
they hung up. So then I went into a different room,
called from a different number as for a supervisor. I
was really getting irritated. And at least you talked for

(01:41:57):
a few minutes. She says, we don't represent this company anymore,
and please do not call back So, Tim, I'm just
glad you didn't participate in this club membership or this
hotel discount because.

Speaker 2 (01:42:11):
A little scam. Let's just call it like it is.

Speaker 1 (01:42:14):
There are so many things on earth right now, and
especially Instagram offers. You know, these things you buy on Instagram,
there's no way to even review them. There's no way
to know if people have gotten cheated or not. I
would say that a good half of everything offered on
Instagram are not fulfilled, and there's absolutely nowhere to go.

(01:42:36):
The only time the FTC takes action is when there's
massive publicity or so many people get hurt they have to.

Speaker 11 (01:42:45):
But okay, Tim, you're at least you're only out ninety
minutes of time instead of out nine.

Speaker 24 (01:42:55):
So yeah, and that's what they wanted.

Speaker 6 (01:42:57):
That's what they wanted right around eight or nine grand
Oh really? Oh yeah, it was a lot.

Speaker 11 (01:43:01):
So it's a bad news. Epic Journey is a bad
news organization.

Speaker 2 (01:43:06):
Did you add?

Speaker 1 (01:43:06):
Wait, when they said they didn't represent it, what do
they mean they don't represent the group?

Speaker 11 (01:43:11):
So on my fourth phone call to them, when I
talked to the supervisor, they asked me more detailed questions
and they just said we do not represent this epic journey.
And they gave me a list of other people. They're
just a call center somewhere.

Speaker 1 (01:43:26):
Yeah, and you're never and these epic, the epic people
that offer these free things, they're gone.

Speaker 2 (01:43:31):
They're gone.

Speaker 11 (01:43:31):
They said, we can't even get a hold, we can't
get in touch with them. Now I got there might
have been part of them. I think she's b asking
me myself.

Speaker 2 (01:43:39):
Oh, I bet you they're not. I'll bet you they have.

Speaker 1 (01:43:41):
Look, I'll bet you they're so fragmented and the original
company goes away and there's nothing you can do about it,
such as life.

Speaker 2 (01:43:50):
Let's talk to Joe. Joe, what's going on with you?

Speaker 6 (01:43:55):
How are you doing today. I'm just gonna let you
know that I've had a situation since March third in
twenty twenty three about my seventy Chevy pickup.

Speaker 1 (01:44:04):
Since March of twenty Wait, since March of twenty twenty three.
Is this a new pickup or something you bought back? Then?

Speaker 2 (01:44:12):
Tell me about it.

Speaker 6 (01:44:14):
Well, tell me I bought it back in two thousand
and five and it's set in the garage to be rebuilt.
It's a nineteen seventy Chevy pickup. Three quarter ton pickup
that I had, same identical pickup I had when I
was growing up, or actually bought when I was eighteen,
and I thought.

Speaker 1 (01:44:29):
You had memories working at So since March of twenty
twenty three, you've had an issue with this nineteen seventy
three quarter ton truck.

Speaker 2 (01:44:38):
What is the issue?

Speaker 6 (01:44:39):
Correct? Well, the individual from Legends, Jay Ketchum, picked it
up from my home in March. Honestly March second or
third and twenty twenty three, with the down payment of
seventeen thousand and five When.

Speaker 2 (01:44:53):
Wait a minute, No, no, no, no, no, no no
no no no no no no no no, no, no
no no no eginds, Yeah, why would you pay how
much money up run?

Speaker 6 (01:45:05):
Seventeen thousand, five hundred That was the contract agreement that
he had I signed for him to start.

Speaker 2 (01:45:10):
On the But why would you pay seventeen thousand dollars
up front?

Speaker 6 (01:45:16):
Well, because of the fact he had to buy He
was telling me he had to buy all the replacement
parts and pieces that he gave me a list of
that he was going to buy for instant engine parts, headers,
you know, things that I had made sure that I
wanted to have done in this truck to get it
taken care of parts for like auto paint, auto putties,
the things that it takes to fit you know, fick

(01:45:37):
to do the body work, transmission rebuild or actual rebuild,
things of that. Well, he said that he was okay,
have done or need to have money for it?

Speaker 1 (01:45:45):
Well, okay, you know what people sometimes have to lose
money to learn. So you paid seventeen grand upfront. I
need to know to continue your story.

Speaker 6 (01:46:00):
Okay, what happened was then is in January twenty fifth
and twenty sixty said we're working on your truck right now,
and we're going to need another ten thousand dollars to robbing.

Speaker 2 (01:46:11):
Peter to pay Paul. So did you tell me you
didn't pay another ten grand?

Speaker 6 (01:46:16):
Yes? I did. I didn't why fact I had faith?

Speaker 2 (01:46:19):
Did you go check out?

Speaker 6 (01:46:21):
Stupid?

Speaker 2 (01:46:22):
Did you check out if they were working on it?

Speaker 6 (01:46:26):
They couldn't check it out because he had it hidden.

Speaker 2 (01:46:29):
Well, the part, Joe, some of this is on you.
For God's sakes, You paid seventeen thousand dollars and you
paid another ten grand without one stitch of evidence they
did any work.

Speaker 6 (01:46:42):
Well, he kept promising it was going to be done,
and I tried to look at it.

Speaker 2 (01:46:45):
I don't care. Why didn't you visit him? Where are
they located?

Speaker 6 (01:46:49):
Where they're located down in Colorado Springs?

Speaker 2 (01:46:53):
How did you find this company? How did you find
the company through.

Speaker 6 (01:46:57):
A company down the street that does diesel rebuild The
guy said you could have one hundred percent. This guy
is excellent. And I also got another referral and I
came remember who it was. Another individual told me he's
one of the best. You could go and have your
work done on this vehicle. So, as I kept trying
to find the vehicle, he had hidden it two different spots.
Or I couldn't find it, he could. Why did he

(01:47:18):
hide in Pueblo?

Speaker 1 (01:47:20):
Did you okay before you made that second ten thousand
dollars payment, did you verify anything about the car or truck?

Speaker 2 (01:47:27):
Did you go to look at it?

Speaker 6 (01:47:30):
Yes, I went down and I looked at it at
one point in time, and he says, I need the
rest of the parts for the truck, the front griel
and miscellaneous parts that I still had not taken down
to him that I said I'd bring him down. And
when I took him down, he says, your truck is
getting ready to go down to the Pueblo for the
starting on the body work, and I said, where is
the truck? He says, well, it's it's not here, it's

(01:47:52):
in transit. So therefore he was telling me.

Speaker 2 (01:47:54):
Something that so right now, where does this stand today?
Right now? Where does this stand today?

Speaker 1 (01:47:59):
Other than and you're twenty seven thousand dollars in the
hall for nothing.

Speaker 6 (01:48:04):
What happens is I have a judgment against him if
we have a rid of a rid on him. So
we got that taken care.

Speaker 1 (01:48:11):
Of to wait, a rid of execution. Wait did he
not show up in court?

Speaker 6 (01:48:18):
No? He did not. He did not show up court.

Speaker 2 (01:48:20):
What is your judgment? How much?

Speaker 6 (01:48:24):
Yes? For the three four times the amount of the
total amount, which is also has an insurance claim on
it for the hood that was supposedly dead.

Speaker 2 (01:48:31):
Well, where's your truck? Did you ever find your truck?

Speaker 6 (01:48:34):
This is my grog. No, I got my truck back.

Speaker 2 (01:48:36):
How did you get your truck backed?

Speaker 7 (01:48:38):
Tell me?

Speaker 2 (01:48:38):
Tell me, just tell me that story. How did you
get your truck back?

Speaker 6 (01:48:42):
I want? I went hit and had a Hi, hired
a Tony company had a monument Colorado to go down
and I met him down there and we picked the
truck up and I brought it back to my house,
my home, my residence.

Speaker 2 (01:48:54):
Okay, thank god? How okay? Was anything done to it?
Was anything done? No?

Speaker 16 (01:49:01):
No?

Speaker 18 (01:49:01):
No.

Speaker 6 (01:49:01):
As a matter of fact, what he had done after
the hill damage had hit. I took a picture at
the time that the adjuster went down, and the adjuster
was kind enough to send me the pictures and what
happened after that to make sure the hood would have
to be replaced as.

Speaker 1 (01:49:14):
He did at the time, Joe, here's the here's the
sixty four thousand dollars question.

Speaker 2 (01:49:19):
What are you doing with your judgment? Did you give
it to a good attorney to go after them?

Speaker 1 (01:49:23):
Oh?

Speaker 6 (01:49:24):
God, yes, yes I did. And we're at that point
now where we've got going to try to go after
garnishments and things like that after him now in the
ol Pass District court. So we're at that point now
after this point, and we've gotten everything we've needed so
far for the judgment. We have now had the time
where he's got a court date to show up. I
don't know what it's going to be.

Speaker 2 (01:49:43):
How much is the total judgment? Individual, that's how much
is the total judgment?

Speaker 6 (01:49:47):
Or thirty one hundred thirty nine thousand plus somewhere around
that area.

Speaker 1 (01:49:52):
Do you understand that you're allowed? Why did you get
quadrupled the amount? I don't understand the multiple because well.

Speaker 6 (01:49:59):
Because of the in fact, the attorney took care of
all the information on its rule sixty nine that we
took care of that he took care of for him,
and he said, you're allowed.

Speaker 2 (01:50:06):
But did the law allow for quadruple damages?

Speaker 6 (01:50:10):
Yes? It does, sure does.

Speaker 2 (01:50:12):
I've never heard of that before the courts.

Speaker 6 (01:50:14):
No Passo. Yeah, it's file three al Passo County right now,
and it's it's got everything ready taken care of. We're
just waiting to see where we can collect any monies to.

Speaker 2 (01:50:23):
Get well, hold on, hold on, you're rid of execution.

Speaker 1 (01:50:27):
You understand you can go in and take every single tool, everything,
all of his equipment.

Speaker 6 (01:50:33):
Right on. You can do that. But the situation is
now is he was smart enough. I actually wasn't smart
enoughf He didn't pay his rent at one of the
shops where the truck was at, so they removed him
from there, got him out of that shop and the
other place he was at Paeonia. He was seventy thousand
dollars in arrears on his rent. So now they have
a judgment against him.

Speaker 2 (01:50:52):
Also, what's his name?

Speaker 6 (01:50:54):
Other bills on off somewhere?

Speaker 2 (01:50:56):
What is his name?

Speaker 6 (01:50:57):
Can Jay? Jeremy is his real name? Jeremy? Ketch him?

Speaker 2 (01:51:03):
How do you spell ketch him?

Speaker 6 (01:51:05):
Okay? It's capital K, carrot E T C H E
M or U M catch him catch him?

Speaker 2 (01:51:13):
Got it now? Jeremy's a bad dude, and he's still
in business.

Speaker 6 (01:51:19):
It's called J Holdings is the name of the actual company.
H That is that he goes under. It's Legends Autoparent Customs,
which is under j A Holdings LC.

Speaker 13 (01:51:29):
Okay, So according to Yelp, two separate entries on yelp,
that business closed and it says that legend Audo Care
closed updated July of twenty twenty.

Speaker 1 (01:51:40):
Yeah, he's a he's a thief. He's a liar and
a thief. So there is Do you have a phone
number for him? Does he answer his phone?

Speaker 2 (01:51:47):
Yeah?

Speaker 6 (01:51:48):
I know he does not as a matter of fact,
the phone that he had. Uh, he's very suspicious. When
you call him, he will not answer his phone, and
he texts you back and says I'll get back from you.

Speaker 2 (01:52:00):
Well, what kind of business ever does. What kind of
business is he in right now.

Speaker 6 (01:52:06):
Doing the same thing with another individual down with another
address off of he's got one of his buildings off
from Mark Shuffle or he stores all the vehicles and
then he's right down the street from there about another
mile or so.

Speaker 2 (01:52:19):
What do you mean he's got how do you know
he has another pigeon? How do you know he has
another pigeon on the line.

Speaker 6 (01:52:26):
Because of the fact that I've been driven down there
and I've seen everything, and I followed, I know a
car he drives, I know everything, what building he's in,
I know all the vehicles that he has.

Speaker 2 (01:52:34):
But how do you know he has someone else like you?
And why don't you call that person and warn them?

Speaker 6 (01:52:41):
Good? Your individual got a hold of me and said
through my web site with some of a general contractor,
and he said, I want to ask you a question.
Have you ever ever had any dealings with Legends Auto Care?

Speaker 1 (01:52:51):
And but why wait a minute, why out of the
blue would you get a call from someone who contacted
you through your website?

Speaker 2 (01:52:58):
Was it because you post is it something?

Speaker 6 (01:53:01):
Yes, yeah, I was on my website or is on
my website?

Speaker 2 (01:53:05):
What is your website?

Speaker 6 (01:53:08):
Joe Uh, it's uh. The website is Adam's Custom Homes
wwwt Adam's Custom Holmes.

Speaker 1 (01:53:16):
You know Adam's Custom Homes. I used to know in
Adam's Custom Homes in Denver.

Speaker 6 (01:53:21):
Yeah, he was down in Eric, Eric, he was down.
He was down in a frank down, I think Tom. Yeah,
it was at the time, but I have had the
name for years now, so that Adam.

Speaker 1 (01:53:32):
They did a good job at one time, and then
they went back that the sun took over and had
screwed so many people.

Speaker 6 (01:53:38):
Yep, yeah, Eric Eric Adams is what is his name
was at that point. And I didn't have any individual
any any issues.

Speaker 2 (01:53:46):
I'm a corporation, so so I don't see I'm on
the front page. Where do I find out on your website?
Where do I find out about this.

Speaker 6 (01:53:54):
Screwed I'm apologized. It wasn't on amas on my Facebook
it so unless my wife put it on my Facebook.
That's how this individual felt got it. I have talked
to him that he sat it, cause here on Facebook
I got it.

Speaker 2 (01:54:09):
And so what is your Facebook name? What is your
Facebook name?

Speaker 1 (01:54:13):
Bro?

Speaker 6 (01:54:13):
It's under supe gets under Adam's Custom Homes. I don't
go on it. Very often, Tom, because I do not
deal on it very often, so I don't deal with
it at all. I mean, I'm just not a Facebook user.
I kind of stay away as much as I can.
And it's part probably fairly old, so I don't use
it that often, if any at all.

Speaker 2 (01:54:31):
I found you.

Speaker 1 (01:54:35):
For Adam's custom homes, but I I don't see the
So okay, so there's a post about this.

Speaker 2 (01:54:40):
Your homes are beautiful, man.

Speaker 6 (01:54:43):
Well thank you just finished the big one that Elizabeth.

Speaker 2 (01:54:45):
No, they're beautiful. They're beautiful.

Speaker 6 (01:54:49):
Thank you very much. Sign Bill is what I do.

Speaker 1 (01:54:53):
So yeah, So listen, man, what are we going to
do about it? What are you calling about? What can
we for you today? Let me take this break and
talk about that. I want to know the purpose of
the call. Hold on, we got more coming up on
the Troubleshooter Show. Three O three seven one three eight
two five five. Denver Regen dot com.

Speaker 2 (01:55:10):
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Speaker 1 (01:55:26):
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(01:55:48):
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, I'm Martino,
your troubleshooter three zero three seven one three talk see
one three eight two five five.

Speaker 2 (01:56:07):
So we got a call from a guy. He's on
the phone right now. He paid somebody twenty seven grand.
I think that way may have more of that.

Speaker 1 (01:56:17):
Let's see he took seventy yeah, twenty seven grand total.
Jeremy Ketcham who has who had uh legends auto care
and customs?

Speaker 2 (01:56:29):
Is he still going by the same name Joe?

Speaker 6 (01:56:33):
No, I think he is Tom. I've still got to
research more of that. But he is in business with
another individual at another location or two locations, and I'm
pretty sure it's still the same.

Speaker 2 (01:56:43):
Does that other individual know who he's in business with?

Speaker 6 (01:56:48):
You know, I don't at this point. I'm gonna have
to call the other guy, to the other individual I'm
work at talking with and get his name and find
out who he's in business with, and do some more
research on my own.

Speaker 1 (01:56:58):
Oh why don't you do that and get back in
touch with us. Do you happen to have a picture
of Jeremy ketch him anywhere? You know?

Speaker 6 (01:57:05):
I can find one and I can send it to you.
Would I send it to your email?

Speaker 2 (01:57:09):
Yeah?

Speaker 1 (01:57:10):
Kachina Kaschina's going to give you my personal email, my
personal email, Okay, if.

Speaker 2 (01:57:18):
You send it to me.

Speaker 1 (01:57:19):
I want to get this guy up on Sleavesbrigade dot
com as soon as possible.

Speaker 6 (01:57:23):
Gotcha, I'll do it.

Speaker 10 (01:57:25):
So yeah, But the reason, the reason why I'm caind.

Speaker 1 (01:57:27):
Of is is just yeah, I wanted to know the reason.
But I want to recap for those listening. He had
a three quarter to nineteen seventy he took to Legends
Autocaren Customs. Paid twenty seven thousand dollars, got nothing in return.
The guy just lied to him and cheated him. He
sends hired a tow company, brings a truck home, and
he sued Legends. He got a judgment for one hundred
and thirty nine thousand and is trying to pursue collections.

Speaker 2 (01:57:50):
Now, why are you calling today?

Speaker 6 (01:57:53):
Well, the other reason is too is not only just
stole it, took the money, but he also took the
engine out of my pickup, which is original legend and
sold it or it's something. He stole it out of there.
And that's the part that's still missing is the actual
engine block, the short block that I think is now
gone and it's disappeared. So there's no reason, you know,
for me to go back with what they had with

(01:58:13):
Replevin because there's nothing left. The other thing is all
I want to really do at this point is the
fact is exposed this individual because now I've gotten to
the point where my lawsuit is continuing and it's pretty
much taken care of. But I just tried to call
Channel twenty one, you know, about a month ago and
the end the other eleven and Channel thirteen and Channel
eleven down at Springs, and they have had no response

(01:58:34):
back from those.

Speaker 2 (01:58:35):
Those we can contact.

Speaker 1 (01:58:37):
We can contact our sister station down there that we
deal with.

Speaker 2 (01:58:43):
We can do that.

Speaker 6 (01:58:45):
Yeah, I think one called its exposed. This individual's he's
something's got to be done because he's done it so
many times before with the people I've talked to, and
he's just he's just a thief basically.

Speaker 1 (01:58:57):
So isn't it amazing how long people can get away
with stealing money like this? I mean, think about it,
you go in, but but you know I'm gonna now,
I'm gonna throw some on you.

Speaker 2 (01:59:09):
Joe. You shouldn't pay that much money.

Speaker 6 (01:59:13):
Oh, you know, I shouldn't live exactly. I'm the guy.

Speaker 2 (01:59:16):
I mean, you're in the business.

Speaker 1 (01:59:17):
You're in the worst business in the world when it
comes to clowns, and that is building, home builders and
home contractors. Okay, you know as well as I do, Joe,
You're not supposed to co mingle funds. You're not supposed
to rob Peter to pay Paul. And you know as
well as I do that down payments are almost never needed.

(01:59:39):
If a company is truly suitable and liquid, you should
never have to pay money upfront. If someone tells me
they need money for supplies, here's what I tell them.

Speaker 2 (01:59:51):
I want to put the order in for the supplies.
I will pay directly. That's what I say.

Speaker 1 (01:59:57):
I do not want anyone holding my money because people
like Jeremy Ketcham.

Speaker 2 (02:00:04):
They end up saying I got all this money and
they spend it. You know, he lived off it. I mean,
this guy. People just collect money and they don't do
the work.

Speaker 1 (02:00:15):
This is ninety eight percent of all of my consumer
problems would be gone if people did not make a
down payment.

Speaker 6 (02:00:26):
Correct.

Speaker 1 (02:00:28):
So and listen, man, if when he said seventeen grand,
did it ever occur to you to go straight to
the supplier and pay for the parts?

Speaker 6 (02:00:41):
You know, it really didn't. I guess at this point
a time, I added so much faith and so much
excitement about getting this truck and get taken the kitsch
for the referrals that something you know, two other people
gave me about what he did did what it kind
of work he did or didn't supposedly did. So I
was more or less just kind of dumb.

Speaker 2 (02:00:56):
Where were these two hundred reviews? Where were these Where
were these two hundred reviews?

Speaker 6 (02:01:02):
I'm not sorry, I didn't mean two hundred two reviews.
Actually two referrals. The one I was saying that one
individual that's got a shop, they had a shop, still
has a shop down to the word he was at.
And another individual, which is another friend of a friend
that I can't remember who it was that gave it
to me, but just two referrals of well, I would
never with his vehicles.

Speaker 2 (02:01:21):
I would never ever ever take referrals on face value.

Speaker 1 (02:01:27):
Ever, I would dig deep. I would also look into
the company deeply. Again, we don't have to go over
what you didn't do. You know what you didn't do.
And one thing I got. I got a hand to
you though. You took action, and you did it the
right way. You went and got you. You know this
guy you know, and this guy, if he transfers anything

(02:01:49):
out of his name, is going to be in trouble.
Yeh is the judgment against him personally as well.

Speaker 6 (02:02:00):
Well through four in four different, five different counties around
Colorado Springs area. So I figured that if we did
four or five different counties of judgment against him and
anything he tries to.

Speaker 1 (02:02:09):
Pull in anything, but did you do it under his name?
Is it under his name or under legends?

Speaker 6 (02:02:16):
Yes? No, well what his name fully? And we could
go after him one hundred percent on any good he
does personally or anything. Yeah, Tom, I was turn he
has done it. Excellent.

Speaker 2 (02:02:25):
I gotta take a break.

Speaker 1 (02:02:26):
We'll come right back and Deputy D has something to
say about this more 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 an
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(02:02:50):
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 to list your home with
Remax Alliance three all three nine two zero sixteen twenty two. Hey,
I'm Tom Martino, your troubleshooter three O three seven one

(02:03:14):
three talk seven one three eight two five five all.

Speaker 2 (02:03:17):
Right, so what are we gonna do? What did you
find out D about legends?

Speaker 13 (02:03:23):
Well, you know, I was kind of looking up Jeremy
Ketchum and or Ketchum, and I see that he's in
the car to State Colorado Secretary of State's website. He's
got a history of opening and then dissolving companies with
very similar names.

Speaker 2 (02:03:35):
So there's Legend Guy. The guy is a scumbag. He's
a true scumbag.

Speaker 13 (02:03:41):
Legend D DIY and Customs dissolved in twenty one. And
then you know, I did a keyword search for his
phone number and came up with another one called well,
I'm the legend Classics. So he's he appears to to
kind of have this serial of companies. But the good

(02:04:02):
part is that they'll have the word legend in them.
And the best part is that our caller got a
personal judgment against Jeremy, so he might be able to
collect something on it. Because the businesses seem to be gone.
His website is down too.

Speaker 1 (02:04:17):
Yeah, I mean, the guys knowe bad news. Maybe that's
why he coupled with someone else. But Joe, call us
back when you get information, call us back. Now we're
getting calls. I'm getting some texts here, Tom. I want
to know the warranty of habitability, step by step guide
for using rent money to fix problems.

Speaker 2 (02:04:39):
And I am cleaning it up a bit. I posted
it on YouTube. I'm going to clean it up a
bit and I will make it available to anyone who
emails us help at troubleshooter dot com.

Speaker 1 (02:04:54):
I prefer you do it that way. Help at troubleshooter
dot com. Now, if you want to text me request.
You can too, but you must put your email in
the request.

Speaker 2 (02:05:06):
Of the text.

Speaker 1 (02:05:07):
Okay, because I don't think I can attach things to
texting through Google.

Speaker 2 (02:05:13):
I don't think I can. I might test it.

Speaker 1 (02:05:16):
Maybe I can, I'm not sure. But anyway, so here's
the number to text me if you want that. Step
by step guide on enforcing the Warranty of Habitability Act
and using rent money to fix defects.

Speaker 2 (02:05:33):
Now, remember they have.

Speaker 1 (02:05:35):
To be serious defects and they have to be covered
under the law. Okay, seven four seven fifty two eighty.
You can text me there seven four seven nine fifty
two eighty. By the way, someone texted me in their

(02:05:57):
eighties they have two hundred grand sitting in savings and
they want to keep it relatively liquid, but at least
make some money, and at the bank they're not making
much money. Well, I'll tell you what I did personally.
You don't need a financial advisor for this. You don't
need you don't need Waveightcapital dot com. Here's here's what

(02:06:18):
you do. In my opinion, I would go to the
go to the government website and open up an account
for t bills.

Speaker 2 (02:06:27):
People have asked me time and time again about this.
I've given it out. I'm gonna do it again. I'm
gonna I'm looking it up right now. Hold on one second.

Speaker 1 (02:06:37):
There, Treasurydirect is called okay, So here's what you do.
You go to Treasury Direct. I believe it's Treasurydirect dot com.
I don't have the U r L right in front
of me. But what it does, let me look up
Treasury direct. You make sure it's the government website.

Speaker 2 (02:06:55):
You got it, it's dot gov. It's Treasurydirect dot gov.
Thank you very much much for that. And what that
does is that brings you to their website, open up
an account there.

Speaker 1 (02:07:06):
Log in okay, and then you can put in your
order for t bills on a rotating basis. There is
short as four weeks long, and you can buy them
every single month and they pay pretty damn good interest.

Speaker 13 (02:07:22):
Tom So, I was very surprised to see they still
sell savings bonds over here, and they're they range from
two point seven percent to three point nine to eight
percent the savings bond. I know that's pretty liquid.

Speaker 2 (02:07:34):
I know it's it's pretty really really good.

Speaker 1 (02:07:37):
So I always recommend that for liquidity, and at least
it's almost like a savings account with liquidity. Now you
have to link it to a savings account or a
checking account, so it takes the money from there, buys
the bonds. When the bonds liquidate, the money goes back
into your savings or you're checking. It's a very easy

(02:08:00):
process and one hundred percent safe. If you're dealing with
Treasury direct dot gov. There's no reason to pay anyone for,
you know, managing your money if you can simply do
that and you want to keep it liquid now, one
of the.

Speaker 2 (02:08:21):
I rarely will recommend an annuity.

Speaker 1 (02:08:23):
But if someone is in their eighties and they had
two hundred grand, they can do an instant annuity.

Speaker 2 (02:08:29):
Again, that's where you buy.

Speaker 1 (02:08:31):
An annuity, but you lose liquidity, okay, no matter what
anyone tells you, if you put money in an annuity,
you will lose liquidity.

Speaker 2 (02:08:42):
Okay. You have limited, limited access to those funds, no
matter what anyone says. You have limited and you have
limited upside potential, but you also have the guarantee not
to lose.

Speaker 1 (02:08:57):
But if you're in your eighties, an instant inuity is
where you annuitize a lump sum immediately. In other words,
you take your two hundred grand or three hundred or
four hun or whatever. You're not going to need cash,
but you want income, you can buy an annuity, a
fixed indextinuity. I very seldom recommend them, but in very

(02:09:19):
they're really good vehicles for people nearing retirement and people
that want no risk and people who want or I
should say ninety nine percent risk.

Speaker 2 (02:09:28):
Free, and people who want income.

Speaker 1 (02:09:31):
So with an instant annuity, you simply annuitize it immediately
and payments start immediately, and you get a monthly check. Now,
most likely, based on the actuarials, you won't exhaust the cash.
You could take money monthly anyway from an investment account,

(02:09:54):
but there are guarantees here that you can participate in
upside growth of the market without any risk of loss.
If you put it in an investment account and start
drawing it down, it's not likely you can do that.
There is one other tool we tell people about, and

(02:10:17):
trust me, peeps, I am happy to share all of
these things. When people call Wave eight Wealth Management, my
goal is not to make them a client. My goal
is to make them money. And if being a client
can do that, fine, If not, then we don't want you,
and we'll be honest with you, so give us a call.
Three h three seven seven one help seven seven one

(02:10:39):
four three five seven. I have another trick up my
sleeve for people who have a lump sum like that.
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Speaker 2 (02:11:18):
Hi Tom Martino, you're a troubleshooter. Listen. I have something
that is freaking amazing in my opinion, and it is
an article I read.

Speaker 1 (02:11:30):
On Mercola dot com. Some people like Mercola, some people don't.
Some people think he's a quack. I think he's great.

Speaker 2 (02:11:38):
Now. There are a few things I might have disagreement with,
but for most of his health stuff. Have you ever
heard of doctor mccola.

Speaker 13 (02:11:45):
You know, I've heard the name. I'm not familiar with
his work.

Speaker 1 (02:11:47):
Mer Cola as in Cola, Coca Cola, mer Cola, Mercola. Anyway,
it's a good site, Mercola dot com and anyway, listen
to this. Through research and stuff, they have found that
a specific type of fiber called beta glucan beta glucan

(02:12:09):
found in oats and barley, was shown to reduce levels
of harmful PIFAs forever.

Speaker 2 (02:12:18):
Chemicals in the blood. That's pretty cool.

Speaker 1 (02:12:22):
They actually said they can show it through testing particles.
Participants who consumed beta glucan experienced significant drops in legacy
PFI compounds. Listen to this, and those compounds are linked
to cancer and hormone disruption. So look into that beta

(02:12:44):
glucan as it relates to forever chemicals. This is something
I'll cover on a future show. I think it's amazing,
all right, don't forget.

Speaker 2 (02:12:52):
You can call me at three Zho three Martino twenty
four to seven for help, information and referrals. That's real.
Three six two seven eight four six six