Episode 17-The Credit Diva Starring Dalle Garcia

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Join Host Attorney Steve Wallace and Co-Host Celena Muzic both of The Wallace Law Group, PL as they are joined by the Credit Diva Dalle Garcia of Gold Crown Credit

Topics include:
Dalle's educational and professional background
What is Credit? 
How do you obtain Personal and Business Credit?
How do you utilize and increase Credit?
What is Credit Repair?
How do you obtain Personal and Business Credit with Bad Credit or No Credit?
What is the Process to Maximize Business Credit?
What we learned from the Great Recession
Pop Culture Banter
Lightning Round

Purchase Merch!
attorneysarehumantoo.printify.me

Episode Transcript

Steve Wallace (00:17):
we have a special treat today.
We are joined by Dalai Garcia.

Dalle Garcia (00:21):
Hey, hi everybody.
Thank you for having me.

Steve Wallace (00:26):
So today we're going to talk about an extremely
important topic, credit, how touse it.
How to preserve it, how toincrease it.
And most of all, how to repairit.
Cause all folks, especiallyduring these trying financial
times, folks are folks predatorgetting strained.
but before we do that, we wantto learn more about ms.

(00:47):
Garcia.
so ms.
Garcia, could you tell us, whereyou grew up in a little bit
about your childhood and youreducational experiences?

Dalle Garcia (00:53):
Definitely.
my name is Dolly Garcia, bornand raised in the Bronx.
my mom she's from the DominicanRepublic.
So I grew up in a Dominicanhousehold and I was like one of
the first ones American.
So I was like one of thechildren that I would have to be
like, what does this mean?
This letter, when they get inthe mail, I was like the go to

(01:14):
and encourage, you have to getto education.
You have to get to education.
Because, my grandmother comingin the seventies, it was like,
that was what they wanted toimpose on the family education.
So I felt that, living in anapartment, building in the
Bronx, I always looked out thewindow and I used to, I know
there's gotta be a better world,a bigger, much bigger things and

(01:34):
things that I can experience.
And I wanted that for myself andfor my family.
So after I figured out the bestway to do it was through
education.
So that's why I was always like,Excelling at school, in the
public school arena in the Bronxwas not the greatest, it taught
me how to be tough.
It taught me how to be on point.
it gives you an edge, but I alsodid all I could do academically

(01:57):
to Excel.
And that's how, I became like astraight, a student that led to
skipping the eighth grade.
I went from seventh grade toninth grade and I was like,
okay, I'm going to be anattorney in my house.
So they were like, she loves toargue.
She wants to be right all thetime.
She needs to be a lawyer.
That's what I was heading

Steve Wallace (02:14):
for.
If only it was that simple and,but attorneys are human too.

Dalle Garcia (02:20):
Exactly.
So I said, you know what, I'mgoing to try to be like, the
first person to break, likegenerational curses and
setbacks.
Like I know it was hard for mygrandmother to bring my mom into
the U S and then, I felt like Iwas responsible and I was the
first one out of the family tograduate from college.
That's great.
So it was like a lot, that I hadto learn on my own because, I
didn't have any body in myexperience or household to help

(02:43):
me and say, okay, this is whatyou're going to expect.
Or this is what needs, like Idid my own college application.
I was just pretty much ahead ofthe game.
And that's what made me likebecome a reader.
Like I was always reading.
I love to read.
And that's what led me tounderstand and comprehend things
that I had to do.
That's

Celena Muzic (02:58):
fantastic.
I think New York city, it's it.
You're right.
It makes you tough, but it also,it makes you competitive.

Dalle Garcia (03:06):
Yes.
Which

Celena Muzic (03:07):
I don't see in a lot of other places, I feel like
if you were in the educationalsystem in New York city,

Dalle Garcia (03:16):
you are

Celena Muzic (03:16):
just competitive.
You're always competing.
You're competing for everything.
Yes.
You're testing for everything.

Dalle Garcia (03:23):
Definitely.
Definitely.
And then, we had to, we had, atthe time, when I graduated from
the sixth grade, we had a, likean organization that surprised
us.
This was when I was in the sixthgrade.
Like we were at the graduationand they were like, we're going
to be sponsoring this class.
And we were like, Who are thesepeople?
And it was a great organizationbecause it was, it's a nonprofit

(03:46):
organization called the, I havea dream foundation.
So I've been like a dreamersince then.
So they were like, if you guysdo what you're supposed to and
follow through with finishingyour academics and graduating,
we will be with you all throughall your high school and to
college.
And they would cover the expensefor room and board and tuition.
So awesome.
So it was like a blessing.

(04:08):
I was able to take advantage ofthat program.

Celena Muzic (04:11):
That's great.
That's great.
And having a Dominican mom, youcan't break the rules

Dalle Garcia (04:14):
at home.

Steve Wallace (04:16):
you and Selena share that you both have a
Dominican mom and you're bothfrom New York city.
Although she's a Manhattan, notfrom the boogie down

Celena Muzic (04:25):
my mom plays no games.
I'm like, I'm an adult.
She said, what did you say

Dalle Garcia (04:29):
to me?
I know.
They were very, they're verystrict.
And the family value, it was soimperative.
To be successful because likeeven though we grew up in the
inner Bronx, which wasconsidered the hood, we were not
allowed to go outside at acertain time.
We were like very strict in thehousehold.
it was very strict.
And as girls, since I'm theoldest of three girls, we really
had to entertain it.

(04:50):
And it's if you're going to thestore, take your sister with
you.
You're going together.
Everything was together.
So that was like, the ideabehind the whole family
structure, living in the city.

Celena Muzic (05:00):
I think Latin families like to do that.
Cause I have an older brotherand he couldn't go from here to
the corner store without takingme.
My mom was like, I don't know ifyou're really going, but you're
going to take your sister.
Now.
You have no choice.

Dalle Garcia (05:17):
Okay, so the same thing,

Steve Wallace (05:19):
follow the timeline a bit.
you were excelling in school andthen, you had the, I had a dream
foundation, sponsoring you,throughout school.
And so after you graduated highschool, what was your next step?

Dalle Garcia (05:32):
Okay.
So I went to John F.
Kennedy high school in theBronx, and I finished there.
I don't think that buildingexists anymore, but it was an
interesting experience.
from there, we communicated withthe foundation.
My sponsors specifically werethree brothers.
They were called the Robinsonbrothers, Jerry, Bernie and,
and, the other one passed away.
may he rest in peace, but he wasan attorney also.

(05:53):
And they will, I just.
So amazing because we becamelike family, like since I was
always academically advancing, Iwas like one of the ones that
they always used to choose todo, events like, going to places
that you pray that I probablywould have never experienced,
Because my mom didn't know goingto like Arizona.
I did like some options.
Yeah.
Allergy trips out there.
That's cool.
And I ended up finding like atsomething called which was like

(06:17):
something where used to growingcorn, the, the Incas and the
Mayans they area.
So I did little experiences likethat.
Like motivational stuff.
I remember we did the Princeton.
Review scenario where they dolike motivational things.
So they were very impactfulpeople in my life and we became
close.
So then when you have a brightfuture, I'm like, I'm going to
be an attorney and you guys aregoing to be a part of it.

(06:37):
So they were all for it.
So I went to the, so the firstschool that I went, so this is
where it got weird because mostpeople would say, go to a four
year college.
And I said, you know why?
I don't want to, I was alwaysadventurous, that's it?
Yeah.
I don't want to be somewhere foryears.
that's boring to me.
I went to SUNY Canton, nearCanada, almost.
That was like at the tip of NewYork.
Like

Steve Wallace (06:56):
I grew up in Syracuse, so I'm familiar.
You're like, it's on the borderof, yeah,

Dalle Garcia (07:00):
it

Steve Wallace (07:01):
was very cold.
Did you bring your parka and

Dalle Garcia (07:03):
your

Celena Muzic (07:04):
Steven?
No

Dalle Garcia (07:04):
suit really called the weather.

Steve Wallace (07:06):
Oh yeah.
I love it.
I love it.
That's why I live in Floridanow.

Dalle Garcia (07:10):
That's so funny, but let me tell you that cold
weather, not only that, it wasjust like a cultural shock
because I went somewhere thatsomeone from the Bronx going
there, you're like.
What is going on up here, cowseverywhere.

Steve Wallace (07:20):
They're like, what?
Who are you, ms.
Garcia?

Dalle Garcia (07:27):
It's amazing.
But I went there for two years.
I graduated, I have anassociates in business from
Canton, but I was able to go toCanada.
Quite often, because at thetime, since I had graduated
early, I was still not quite 21to alcohol.
So I would go up to like Canadato Toronto and

Steve Wallace (07:46):
the alcohol is a lot stronger in Canada.
That's what I learned when Iwent to Canada.
Yeah.
I

Dalle Garcia (07:52):
approved.
Wow.
So it was amazing because I wasable to do that and experience
things that probably would, Iwould have not, if I didn't go.

Steve Wallace (08:02):
Toronto is actually an amazing city.
You could almost, even down inthe urban areas, you could
almost eat off the sidewalks.
They keep

Dalle Garcia (08:09):
a place

Steve Wallace (08:11):
like New York city.
And

Celena Muzic (08:14):
definitely not

Steve Wallace (08:15):
Yeah,

Dalle Garcia (08:16):
Northern Bronx, but, but it was a great
experience.
So then I said, okay, I'm goingto continue.
I met some people that were,interesting.
I had my first college roommate.
Now this was even moreinteresting.
so the, I have a dreamfoundation, they would pay room
and board.
You were required to stay forone, one year.
At their campus that was

Steve Wallace (08:34):
on campus.
Yeah.

Dalle Garcia (08:35):
That was like the stipulation.
but I was so anxious to get myown place.
So after that first year I foundmy own apartment.
Yeah,

Steve Wallace (08:43):
Naglu And Canton.

Dalle Garcia (08:44):
Yeah, no, something like that.
It was in a house I remember.
And, I was living in the firstfloor, so they were able to pay
my rent and send me the checkthat they wouldn't normally send
to the room and board for theschool.
So it was like

Steve Wallace (08:57):
you made some money off that venture.

Dalle Garcia (08:59):
if I would have had done some real estate, maybe
rent out the room, but at thetime I was just so happy that I
didn't have to worry abouthaving to pay rent and I had my
own place.
So it worked out.
So I, I did that and that, sotwo years then I went to
university Albany.

Steve Wallace (09:14):
Oh, SUNY, Albany.
That's a great school.
Yeah.

Dalle Garcia (09:16):
I graduated from there.
I was thinking about, I'm alittle Albany law school, I was
entertaining Saint Rose at thetime too, but I got a better
deal with SUNY Albany.
So I ended up.
Doing my education there.
And, I did well, I ended uphaving a, my own place too,
because of course, once you'reliving outside of campus, nobody
wants to share a bathroomanymore.
And yeah, it was awesome.

(09:37):
I had a great,

Steve Wallace (09:38):
I only want to share a bathroom, my kids these
days, I

Dalle Garcia (09:40):
don't have a choice.
I agree.
That's amazing.
I did, I have an economicsdegree.
It was hard.
I didn't understand econ, theeconomy, like the way I do now,
because a lot of things I had tolearn on my own, like credit,
for example, even though I wasan economic man, that's not part
of the curriculum.
And I was like, why not?
You know what I mean?

Steve Wallace (09:59):
Yeah, we're definitely gonna talk in a lot
more detail on that one.
One of the things Celine and Ihave had advocated for a long
time and something that we're inthe process of putting together
is we believe that no one shouldgrow.
No seniors should graduatestraight from high school
without like at least anintroductory course on credit
balancing checkbook.
And that those are things thatdon't exist.
at least in Florida, they havean outside provider called

(10:21):
junior achievement, which I'vetalked with, but they don't
really go into the nuts, certaindepths that we believe.
What are your thoughts

Dalle Garcia (10:27):
on that?

Celena Muzic (10:28):
I totally agree, because I

Dalle Garcia (10:29):
was ill prepared.
I remember I did get my firstcredit card in college.
That's when they start,soliciting you for cards.
And I was just like, Oh, Hey,I'm going to get a thousand
dollars.
Sure.
Let me sign up.
And I had no idea about, thetime to pay utilization, didn't
know any of that.
And I was just like, I need tobuy something and put gas in the
car.
This is it.

(10:50):
So that was a learning curve onits own.
And I pretty much had to fall onmy face before I could get out
of it to understand what thatwas and how it impacted me.
So I totally agree.
And there's anything I can helpto be a part of that I would, it
would be my pleasure.
Absolutely.
I had,

Celena Muzic (11:06):
I was lucky enough to have parents who really
understood finances, cause theyalways own their businesses.
and they went to college as wellin New York city.

Steve Wallace (11:15):
Yeah.
To just the opposite.
I'm the first one in my familyto graduate college, like you
are done.

Celena Muzic (11:20):
but, what I noticed over as I got older and
started being around more of aLatin community and even coming
to Florida and this is before,I've met Steve, but, I used to
speak to Latin communities causeI started realizing the land
community has absolutely noidea.
especially if they just come tothis country, the functionality

(11:43):
of credit and the importance ofit, they don't understand it.
And it's, and my mom one daysaid it's because it doesn't
work that way in Latin America.
It's just very different.
you get credit in DominicanRepublic.
I believe if you have a house.
So

Dalle Garcia (11:59):
it's a collateral, right?
Correct.

Celena Muzic (12:02):
So it's two completely different things.
So I would do these speakingengagements just to help people
learn.
Like when they come here, Hey,this is very important.
Don't you know, you got a creditcard.
don't blow it.
You have to pay this back.

Steve Wallace (12:17):
a lot of our business.
in addition, obviously you'rewhere we, we have a pretty
robust commercial andresidential real estate
practice.
We represent a lot of folks inbankruptcy and especially in
South Florida, which is theSouthern district in our area,
which includes Miami and FortLauderdale.
We, Selena lives in Browardwhere for a lot of us, I live a
little bit North and our officeis a little bit North, but a lot

(12:38):
of folks live way beyond theirmeans.
So we'll touch on that, a littlelater with you, but.
folks are very irresponsiblewith the credit and, budgeting
and handling their expenses.
so just to follow up.
So you're, you graduated collegeand then what was your next
step?
I know you had your, you were anaspiring attorney.
but then we'd like to know whathappened, which beer Jew from

(13:01):
that road.
Yeah.

Dalle Garcia (13:02):
Yeah.
So after I got out of college,with his economics degree, most
people's let me go and hurry upand get to law school.
And if I had the financialsupport, then maybe that would
have been.
You know my reality, but I said,I've been in school for four
years.
I think I need to make somemoney, and I used to pass, and
usually that's what people do.
Like they want to eithercontinue, but they're like, I
need to make some money.
So that was my situation.

(13:23):
At the time I said my reality, Iwant to make some money.
So at the time my mom moved fromthe Bronx.
maybe like a year before Igraduated from the Bronx.
So Tarrytown.
So she always wanted, she wasalways progressed.
She's a progressive person.
So she was like, I got to get mygirls out of the inner city.
So she moved to WestchesterCounty.
So I would travel, when we, forgraduating from SUNY Albany to

(13:43):
go visit my family in Tarrytownat the time.
Of course, I said, okay, I'mgraduated now.
It's time for me to fight for aposition.
So I was looking for positionsin Manhattan, but it was more
convenient for me to stay inWestchester County.
So I was, I had two job offers.
I remember one was fromPaineWebber.
as an entry level, in thefinancing financial district,

(14:04):
which everything happens for areason.
I'm glad that I did it becausethat was before nine 11.
And I took the position.
I remember interviewing with thelawyers, quarter Ray-Ban Douglas
Pinero, and at the time it wasjust, Panera.
It was just.
Douglas Pinero and Corey Raven,I really didn't understand the
legalities behind real estatetransactions.
I've always read about it realestate and wanted to be a part

(14:25):
of it, but it didn't understandhow it worked from the beginning
to the end.
So that gave me that insight.
Sorry.
So Doug Pinero, he never had aassistant.
I was like the first one theywere telling me.
So they were scaring me, likehe's tough as nails.
And I was like, okay.
but I just went with it.
I just said, okay, I'm going tolearn.
I'm going to move forward.
This is where it needs to be.
So it was tough because imaginethrowing all these files at me,

(14:46):
these Manila folders, okay, wegot these contracts, they got to
go out.
We need to get title.
I'm like, Okay, where do Ibegin?
So that's how it started, but Iwas so happy to be a part or
that experience because mostpeople that are in real estate,
whether they become a licensedagent or whatnot, don't really
have this experience of how.
At a law firm, how in New Yorkstate, they are able to go from,

(15:08):
the offer letter to the office,memorandum to getting a
contract, going to get intotitle review, to, to the oldest
steps involved, getting theconditions satisfy for
commitment letter.
I did all of that.
All of that.
And then I said, you know what,I'm over here doing closing
statements, preparing the checksfor these people.
I'm like, wait a minute.
I need to position myself as arecipient of these checks.
Like, how do you check people?

(15:29):
And I'm like, am I remembergetting like carpal tunnel
because I was typing so much.
So it was that critical, but Iwas like, But I got it wrapped
involved into it.
It wasn't like, I was like arobot, okay.
I was like, okay, I wantunderstanding and comprehension
of what I'm doing.
And I really dug deep into it.
So then I was there for awhilefor like maybe two years.

(15:49):
But before the two year Markcame, you meet people at the law
firm.
There's a great place tonetwork.
I met a lot of people that were,real estate brokers.
They dealt with a lot of peoplein New York city brokerages in
Manhattan, Coldwell bankerDouglas element, all the high
end.
So the bees, and I used to dofiles for like famous people.
And I was like, Oh wow.
I was fascinated yeah.
By that.
But I wanted to get in thatneeds to get into, so I met this

(16:12):
guy who owned a mortgage companyand he was like, you'd be good
because you're bilingual, youcan help people.
I said, all So I, I had no idea.
About mortgage financing, butthen he got me my first mortgage
calculator and I was like, whatis this?
I started learning how to do it.
So yeah.
Okay.
Loan-to-value I see.
All right.
So being bilingual, I was ableto get a lot of clients.
I remember I got my firstcommission check.

(16:34):
I was like, what the hell am Idoing at this law firm?
You know what I mean?
Exactly.
All of that.
Everything is.
a process it's the most high Godhas a PR has a plan for you.
You think, but you really don'tknow.
I'm saying you're like in themidst of it.
So I'm in the midst of it.
I'm closing my own deals.
I'm still at the law firm.
Then I had clients, I had a lotof the Latino population.
So being bilingual, they usedto, can you also help me with

(16:55):
the house too?
I'm like, because it wassupposed to County, there was
not that many.
Latino bilingual people thatthey felt comfortable with.
So I said, I might as well goget my license too.
So I would, I was doing both.
I got my license.
I signed up with a brokerage.

Celena Muzic (17:09):
And,

Dalle Garcia (17:09):
and then I was still doing mortgages, so I
would get two checks in onedeal.

Steve Wallace (17:14):
Those are nice checks.
Yeah.

Dalle Garcia (17:16):
Closing attorneys would be like, that's not legal.
I'm like, ah, here's my dualagency agreement.
Take it and leave it or make acopy.
but it used to be who's thisyoung girl, because she could do
all that.
But all of that came from thehustle from learning how to do
these files for Doug.
And then it became, and then Istarted referring business to
them.
So when I had clients thatneeded an attorney to represent
them in New York state, I said,Oh, I know some attorneys, it

(17:39):
was like a relationship likethat.
and that's how it started.
And I'm thinking I'm going to goto law school, but because they
even helped me finance my L set.
Preparation Kaplan and I did it,but then I said, I'm making
these commissions.
I was like, okay, that's goingto have to put a pause on that
because I'm on, I'm having agood run here.
That's what made me to pause thelaw school and just continue

(18:01):
with, finances.
And

Steve Wallace (18:03):
then they did something.
Did some events, pause.

Dalle Garcia (18:07):
Yeah.
Because then, then I'm like,meeting, Investors that are like
high end investors doingcommercial deals, the state, and
I've always loved commercialreal estate.
We did a little bit of that atRaven Panera and Herrick, but I
was like, you know what, let meget myself a position.
Even though I didn't want towork for someone else.
I said, let me work.
They were offering a position.
Also in white Plains, New Yorkwith, lumen health and affair.

(18:29):
At the time I was working withRichard Healthman.
So he trained me pretty much onhow to do he was representing
the bank.
He was the bank attorney for atthe time, it was a story of
federal.
And that was like the big bankat the time where a lot of the
investors used to go to.
So I had to learn how to dothat.

Steve Wallace (18:44):
Cause they probably had to loose.
They play at loose underwritingguidelines.
That's where all the investorswent and I bet you, they don't
exist anymore.
Why

Dalle Garcia (18:55):
it's true, but I had a lot of experience with
that because as a loanoriginator, and I'm still doing
real estate on the side, I tookthis job too, so I'm over here,
juggling everything, but Iwanted to learn this in the
legal side, because I know thatis what makes you more
knowledgeable and powerfulbecause most people don't have
that experience.
So I will be here preparingassignments of mortgages.
All kinds of documents to makethese deals happen, meeting a

(19:18):
lot of investors.
and I ended up getting to workwith some of them outside of the
office, okay, let's investtogether.
And I'm like, I really want toget in.
So they helped me get in.
But, when I got in things weregoing, I'm making these
commissions.
Eventually I left the law firmbecause I said, I can't be doing
this and wasting my time when Ihave all these things.
Yeah,

Steve Wallace (19:36):
of course.
That's what I say, but I haven'tfigured out how to leave the law
firm yet.

Dalle Garcia (19:42):
so then I said, okay, that's it, I'm going to
just leave on my own.
And I just leaked and it wasscary because, I didn't have any
fixed income.
I didn't have the, the salaryfrom the law firm, but I just.
Just kept going hard.
And I just like you a saline, Iwould talk to the Latino
community and talk to them andempower them because a lot of
them were, my clients had noidea how to become first time
home buyers.

(20:02):
So I would teach them about FHA.
I would teach them about theircredit, even though at the time
I would review credit, but Iwasn't like restoring credit or
repairing three.
Okay.
And then at the time, This wasthe pre, recession.
if you had a, a pulse, you canget a mortgage.
Yup.

Steve Wallace (20:20):
Those are the good old

Dalle Garcia (20:21):
days.

Steve Wallace (20:22):
Those Ninja loans, no income, no asset.

Celena Muzic (20:25):
I wish I was a grownup.

Steve Wallace (20:27):
Yeah, those are pretty awesome.

Dalle Garcia (20:29):
I was doing so many deals like that, like paint
hotcakes, like I have sellingpancakes.
I was like, okay, you had apulse.
Okay, let's go.
No income, no assets.

Steve Wallace (20:37):
I was doing those closings and the numbers just
didn't add up.
When I have a teacher making$30,000 and they're buying an
$800,000 home.
I'm thinking to myself, How arethese people gonna even make the
first payment and then the greatrecession hit.
And so we were doing, at thetime we were doing a lot of
closings commercial real estate,but yeah, one of the good

(20:59):
things, at least on my end iswhen I was in last school, I
worked for a solo practitioner.
Oh, all she did was practicebankruptcy law.
So he taught me all of that.
And then all of my clients thatare doing these Ninja loan,
closing sport, stop paying theirmortgage.
They're like, Steve, how can Istay in my home?
And so during, before the greatrecession, we represented a lot

(21:20):
of investors similar toyourself.
And we were actually defendingmortgage foreclosures before
that wasn't even an industry.
A lot of people are like, whyare you even doing wasting your
time?
How are these people?
If they can't pay theirmortgages, how are they going to
pay your attorney fee?
But we developed a nice systemwhere they would pay like a
monthly rate.
And from basically 2008, 2009 to2012, 2013, All we were doing

(21:43):
were foreclosure defense, shortsales and bankruptcy.
And so we're gearing ourselvesup because we're afraid there's
a next wave coming.

Dalle Garcia (21:53):
Yeah.
But we've learned a lot fromthat experience,

Steve Wallace (21:56):
Yeah.
So tell me what you've learnedduring the,

Dalle Garcia (21:58):
So crazy, I'm closing all these deals.
We did a hundred percentfinancing, 6% seller's
concession where we didn't evenhave to come with money at all
to the table.
It was okay.

Steve Wallace (22:06):
Clients would get money back.
And a lot of those

Dalle Garcia (22:08):
closes like, Oh my God, this is amazing.
And then, and I'm over here,Naive as it was, I'm thinking
like I'm really helping peopleachieve the American dream.
Like they're able to get theirhome, because if the bankers,
they were caught, the brokersare coming to my office, talking
about pretty much knocking downthe door.
this is a new program.
We do this cell, this we'regoing to give you this, giving
us all kinds of incentives.

Steve Wallace (22:28):
You get two points on the front and three in
the back.
Cause we, we had it.
We had we, my law partner and I,we had a mortgage brokerage
firms, so we listened.
They would come and they'd takeus out for dinner, for drinks.
It was

Dalle Garcia (22:42):
crazy.
Yeah.
They were coming to take me to,we were having all kinds of like
me even Louis the third team.
I'm like, whatever you want.
And I'm like, he's okay, let mesell this program then.
we're thinking we're doing theright thing, at the time we
never, no one's thinking there,the houses are going to be going
upside down.
so that's what happened.
So then we go from.

Steve Wallace (23:00):
really what proved the end of it was the
world savings pick a payment,which Washington mutual took
over.
And that's why Washington mutualdoesn't exist anymore.

Dalle Garcia (23:09):
I remember all those programs.
if I couldn't shop it with thisone, I was shopping with that
one.
whoever would approve my clientto get to the closing table.
That was what we wanted.
And times like, let's go.
it was, so it was so crazybecause when things turned
around and took a whole, Iremember I started, I was.
Putting these deals in andunderwriters started saying for
what we were closing, likehotcakes, they were like, throw
the fight back at me and belike, no, we can't.

(23:30):
And I'm like, what do you mean?
We need more information.
It started like that.
I started seeing like a trend.
I said, something's happeningbecause now my deals are not
closing.
I, and I'm, I have a team I'mdepending on this.

Steve Wallace (23:41):
I had a deal in 2008 and it was the day that
Lehman brothers went under andwe had a commercial deal.
And Lehman brothers were findingthe financing and we called up
frantically and I actuallytalked to the general counsel
Lehman brothers, general counselin Manhattan.
And he's listen, if it wasalready in the pipeline and it

(24:03):
was already approved and with acommitment.
We'll fund the deals, but I waslike,

Dalle Garcia (24:08):
it's just

Steve Wallace (24:08):
and then surprise.
Guess what the client lost thebuilding to foreclosure.
I don't think that client, andit's actually a really funny
story.
He was like a rabbi.
No, but he had this, like hewas, he had this like some weird
thing where he actually wasbuying a, a home Depot when they
used to do the lighting.
Like they had that separatething.
And he was buying that in SouthFlorida.

(24:29):
And he was using that assomething, but I talked to the
lender afterwards and he nevermade a payment.

Dalle Garcia (24:34):
Oh, my goodness.
it just took a turn.
no one could expect, I startedseeing a little like stagnation
with my pipeline, but I waslike, this is just crazy.
So it went from closing allthese deals to like nothing.
So it'll hold a whole, like astop.
So I'm like, so everyone startspanicking.
We started seeing what's goingon in the economy.
Like you said, Lehman brothers.
All of them, Morgan Stanleythere, they started talking,

(24:55):
yeah.
All these deals and stuff.
So I'm like, what is going on?
So it was like a reallystressful time because you have
other people livelihood on yourshoulders.
You have not only your clientsare thinking they're going to go
into their first homes orrefinance their homes.
So have, employees that, is itdepending on their income to
work through you?
So it was like a time that I waslike, wow, I didn't know what to

(25:18):
do.
No one was ready for this.
So I said, okay.
So I had to, I started looking,I had to shut down my office.
I had an office in Elmsford intech, off a texter road.
I had, I went from a nice,beautiful home and having
investment properties that juststarted going downhill, like
tenants rents.
Yeah.
I went through a lot.
I lost a lot of that.
I ended up having to back to theBronx, like a woman that was

(25:40):
making so much money, giving itup and had luxury cars to like.
Moving back pretty much.
and I was just like, what am Igoing to do?
And I felt like a failurebecause, I was like, how do I,
where do I go from here?
You know what I mean?
My family, Dominican, a family,they're looking at you, like
what happened to her?
yeah.
I felt bad because I was like,this is not who I am.
I'm a go getter.

(26:01):
And I need to get out of this.
So that's where the GoogleChrome critic kind of started.
Like I was doing alsoforeclosures.
I was helping people also, filethe bankruptcy.
However, It would impact theircredit because of course, even
if you're not following throughwith it bankruptcy, that is
going to show up on your credit,

Steve Wallace (26:17):
on your record.
Yeah.

Dalle Garcia (26:18):
Correct.
So all of these things, so I hadto work on, I had to go through
my own.
I didn't have to go throughbankruptcy.
Thank God.
Like I really worked so hard onmy credit, like to the point
where I would stay up late atnight, figuring out what I'm
going to do and learning thesecuritization process and what
really happened because.
you think, banking, but youreally don't know banking and
understand what was takingplace.

(26:40):
how was, were securitize.
And I never knew that thishappened and I started getting
deeper into the room or why thisis happening.
There's currency really backedby gold.
Is it not w all these things Ilearned during that process.
And I was empowering people thatwere in that position to say,
Hey, don't give up on your houseso quickly, because a lot of
these lenders really are not thedue holder, in course.

(27:02):
It was a crazy time.
And here I am in my littleapartment in the Bronx, again,
trying to get out of, swimming,trying to get out of this, this
situation.
And then I had my son and at thetime too, so it was like two
that he was born in 2009.
So I'm going through all of thisat the same time.
And I was like, this is not thekind of life that I worked so
hard for to give him, but that'sthe reality and you just gotta
roll with the punches and beingpart of born and raised in New

(27:24):
York city gave me that edgebiter.
I think if I didn't, myancestors been through worse,

Celena Muzic (27:30):
so

Dalle Garcia (27:31):
I said, okay, I'm going forward.
So I started getting really.
Hands on this credit.
I remember at the time beforethe recession, I used to refer
my clients that were ready topurchase homes, but had issues
to another company that went outof business.
So I said, I'm going to do thismyself.
So I had clients, those clientsthat I had helped get into these
mortgages, Oh my God, my creditis messed up.
What can I do?
I can't refinance because theywere at a negative amortization.

(27:55):
Their houses were upside downand I'm like, and they looking
for me for solutions,

Steve Wallace (27:59):
Oh Dolly, can I ask you a question?
I'm sorry to interrupt.
So you mentioned a couple ofthings, but I know you started
company gold, crown creditrepair.
Correct.
and so one of the things and,work tangentially, w with credit
repair companies, and oftentimeswe'll get referrals from credit
repair companies for bankruptcy.
If there's a position, there's apoint of no return where they're

(28:21):
at least at that currentsnapshot in time, they're not
eight, you're not able to.
Repair not you, but whoeverrefers us, they're not able to
repair their credit.
So could you just tell us alittle bit more and just give us
a better understanding of whatthe credit repair process is?
Cause it's something that we'dlike to learn.

Dalle Garcia (28:38):
Absolutely.
Of course there's a learningcurve for many people.
Just trying to understand thereport.
It's a whole lesson in itself,but, I always advise the first
thing I do to people thatcontacted me about their credit
is well, let's review it.
So I go through each and everycredit report individually
myself and I say, okay, Iusually advise them to use
identity iq.com.

(29:00):
so a, there is a fee involvedwith that, but that allows me to
see all three credit bureaus inone report.
and I look at that, the firstthing I see is, okay, the name
variation.
The date of birth, theaddresses, people just jumped by
to the meat and potatoes of thereport, but that is also very
critical.
If the name variation is notcorrect, and it's be much like,

(29:22):
what you guys do at the lawfirm, cross all your T's.
and that all your eyes like isthis name correct?
Is the date of birth?
Correct.
Why are all these addresseshere?
So that personal identifiersituation is something that we
first look at and we clean it upbecause we want to make sure
that there's not so manyaddresses there.
It just looks better to havejust.
To keep it simple and currentwith what's happening with your

(29:43):
life.
So we do that and also reviewthe, everything that's on it.
Let's look at the accounts.
Do you have any revolvingaccounts, installments?
Are there any lates?
A one time I'm 30,

Celena Muzic (29:55):
which is one time 30 day lays can

Dalle Garcia (29:57):
really impact your credit.
From a hundred points or higher,like in a huge thing, like
people would be like, Oh my God,my credit went down a hundred
points and I'm like, let melook.
you paid late, paid 30 days latecan impact your credit from 50
to a hundred points in a bigway.
You could be at 700 and go downto 600

Celena Muzic (30:14):
in one, one.

Dalle Garcia (30:16):
we look at that, we look at, any collections, any
charge offs, I don't adviseclients to pay collections.
I tell them that all the timepeople would be like, why not?
the secondary market, theypurchased this debt, as a third
party debt collector.
And you also not saying that youdon't owe this debt, but do you
always, to the people that aresaying that they, that you owe,
there has to be some kind ofconditional acceptance on that.

Steve Wallace (30:38):
So I asked you a question about that.
Specifically.
So when we handle, mortgageclosings or refinances,
oftentimes one of the conditionsthat the lender has is that it
has to be paid off on theclosing statement.
So I'm just curious.
how you handle that.
And I guess the other follow upquestion to that would be if

(30:58):
they pay off like a following, Iassume the reason why you're
saying not to do that is causeit really doesn't impact your
credit score that much.
If you pay off a collection

Dalle Garcia (31:06):
that is correct.
Paying off the collection isjust going to say paid.
Yeah.
So if you're in the midst ofrefinancing or purchasing a
property, the new lender maysay, those may be the conditions
they require for them, thatloan, which is a means to an
end.
So if someone has to do it,then, so be it, but that's on a
mortgage scenario, but if it'slike a debt Lake yeah.

(31:27):
Credit card debt, I was supposedto propose a recovery.
Yeah.
or a Midland or something likethat, then that can be
challenged,

Steve Wallace (31:36):
familiar with them.
They're we oftentimes get ourbankruptcy clients when somebody
calls us, if they're gettingsued by their creditors, that's
a very common accommodation andthere's.
There's a couple, there's fouror five different attorneys in
South Florida that handle all ofthose.
And they're not the mostpleasant people to deal with the
same, at least.

Dalle Garcia (31:53):
I know.
I know, because let me tell youI've had experience like that
with them, and they are, that'stheir business like attorneys
are not only going to, they'regoing to court to do judgements
on people all day everyday.
So they said, why not?
Let's get our.
debt collection number and startoperating as a debt collector.
So buying the debt is a hugebusiness.
And when I go through thesespecial appearances, because

(32:14):
I've been for myself and also,supporting clients, even though
I'm not an attorney or givelegal advice, I'll go to the,
the hearing.
And I'm like, okay.
and I noticed a pattern to this,and this is all around the
United States, not just in NewYork or in the state of Georgia,
but I've been to specialappearances where they'll say,
okay.
You're challenging the debt.
You're not going to, they'regoing to try to pull you in,

(32:35):
Hey, if you sign right here, wecan work something out before
you get to see the judge it'slike this.
Like they read out of the samebook.

Steve Wallace (32:42):
no, that's definitely that happens.
That happens in Florida all thetime.
So

Celena Muzic (32:45):
yeah.
it's like a script.
It's like a script.
Hey, let's enter into asettlement agreement.
I'll give you a payment

Steve Wallace (32:51):
plan.
It'll be$25 a month.
Don't worry.

Dalle Garcia (32:55):
No, but that's all gained because if the, if the
person that is assuming that thealleged that is theirs starts
challenging these things, and Isay, who are you like?
can you show me that you are theactual, lawfully the owner of
this debt?
They'll just give you copies ofthe previous deck, the person
that you did own, like it wascapital one or whatever of the.
Of the invoices or the billingstatements you got to remember,

(33:17):
but that's not proof that theyown the debt.
So it gets real deep with thisstuff.
So we've challenged them and woncases where they dismiss it.
But what they try to do is pushthem towards the end.
So they'd be like the lastperson that the judge would
entertain so that they don't,mess up the other.
One's we can't let them talkinglike that in front of

Steve Wallace (33:33):
yeah.
Then everybody will beenlightened and we don't want
that.
I guess the other thing that Iknow that you have a lot of
experience in is helping folksbuild business credit.
And can you give our listenerssome suggestions on how to build
business credit, and then alsotell us what the differences are
between personal and businesscredit and then,

Celena Muzic (33:51):
and how are linked to your business as well?
Because if you have bad personalcredit and then you open a
business, people say, mybusiness should be a different
entity and.

Dalle Garcia (34:03):
And those are good questions.
And during that time, when thelast recession, those were the
things that I've learned,because even though I was
working in establishingentities, I wasn't really
understanding how to separatethe two because you don't really
need to use your own socialsecurity number to build
business credit.
So I had to learn that too, andhow that works.
And that's so powerful.
So for example, if your credit,your personal credit is not that

(34:26):
great, of course you should befocusing on trying to restore it
and work it and make it better,but you, that doesn't
necessarily stop you fromestablishing business credit
without using your socialsecurity number.
You just start off with yourbusiness profile.
So that's how we help ourclients.
We say, okay, you have a newLLC.
Okay.
Or new corporation.
Now you get your EIN.

(34:47):
We make sure you get your DUNSand Bradstreet number.
So you got some kind of profileor visibility that basket, when
the banks are ready to give youa line of credit, they can find
you a, we also advise people toget a virtual address that's
separate from their personaladdress and kind of make that
business look like.
Legit.
if I go online, I can findyou're in existence.
And that's what we want to see.

Steve Wallace (35:08):
Oftentimes it's at a ups store,

Dalle Garcia (35:10):
that ups store is considered a red flag for some
banks.
Yeah.

Steve Wallace (35:15):
So mentioned,

Dalle Garcia (35:18):
be like, I can get appealed PO box.
I'm like, no, you want to get avirtual address because it's
just, something that the banksare going to say.
Okay, that's good.
You don't have, even if yourcredit is, 500, 400, whatever,
it's not where it needs to be.
You can still focus on buildingyour EIN number as a business
and separated from your person.
And you can start with smallvendors.
And that's how we started.

(35:38):
We started with net thirties andwe start with small vendors that
normally.
will not give you credit if youtry to do it on the personal
side, but they will do it foryour business.
You have your business profile.

Steve Wallace (35:48):
so what would be a small vendor that you would
start a new company with that?
If somebody else

Dalle Garcia (35:53):
a small vendor I was started, would it be like
you line Granger?
One of those companies and theymade sell commercial things like
rooms, whatever, folder holders,but you can start like that.
And it should be a minimum of$50purchase.
And that's pretty much buildingbusiness credit.
We started.
If$50 pay the$50, buy the thing,whatever item you get and pay

(36:14):
right away, don't even wait.
And then that's it.
You're building business credit.
So we strategically choose thevendors that are going to report
to the business credit bureaus,and then there's social
security, number two personalguarantee.
It, and that can go on and on inphases, we start with five to
seven, then we move on torevolving.
Okay.
Credit for the business withoutusing the social also, and even

(36:36):
Amazon's and stuff like that,just from the pay score, which
is what a FICO score is on thepersonal side, so then they're
going to look at that versus,what's your social and they will
ask.
So I must let people know thatthey will put on the
application.
Their social securityinformation, but you there's a
way to omit it and avoid it.
And this is some of the thingsthat we guide our clients to do.

Steve Wallace (36:56):
What I've seen is there's a large proliferation of
business lenders, probably inthe last four to five years with
the advent of the FinTechmovement.
Could you speak a little bit onthat?
Like the cabbages and some ofthose other, some of those other
companies, I'm just curious ifyou have any,

Dalle Garcia (37:12):
they have, even I was considering to become a
direct lender under the SBA,which is a small business
administration and that's whatthey do.
They just get, they preparetheir documentations with the
sec.
And get her become accredited.
And once they become accreditedlike a cabbage, now they can
offer those programs.
So they're getting paid, they'regiving these clients these
opportunities to get these typesof loans.

Steve Wallace (37:33):
Let me tell you, cabbages has higher interest
rates than Tony soprano evergave.
I'll tell you that

Dalle Garcia (37:39):
they do because a lot of these loans, especially
lately, especially post COVID,they, They have these loans that
you don't have to use yourpersonal social security number,
you have a business and you canshow, tax returns.
That's all they need to see.
And, we do funding to, in ourbusiness.
I go crown credit.
We do business funding as well,and we'll deal with it, but we

(38:00):
deal with other, there are otherlenders that are just PR
primarily.
Funding small businesses.
And a lot of them may notrequire tax returns.
Some of them may require you topersonal guarantee.
But the great thing about isthat if you do get these lines
of credit, they won't show up onyour personal credit.
So a lot of my clients that mayhave me be in the midst of

(38:20):
buying a house or refinancing ahouse or trying to get, or
eventually trying to get somekind of investment opportunity.
They don't want to really bothertheir credit or their
utilization.
So you'll go ahead and say, letme get business funding, which
is not going to report on mypersonal credit.
And I'm going to be able to usethe funds to invest.
or maybe pay down some of theirpersonal credit cards that is
causing their utilization to bevery high.

(38:42):
So there's little strategiesthat you can do to help the
person be able to manage boththeir personal credit and their
business credit.
But having both is critical.
Even if you don't have oneinvoice, one book of business
setting us up self up as an LLCor corporation has many benefits
hitters.

Steve Wallace (38:58):
this is very enlightening.

Celena Muzic (38:59):
at what point do you tell your clients, who are
trying to repair the car?

Dalle Garcia (39:03):
Listen,

Celena Muzic (39:05):
this is the end of

Steve Wallace (39:06):
the road.
That's a great question.

Celena Muzic (39:07):
Cripsy is going to be the way to go because

Dalle Garcia (39:11):
I believe.

Celena Muzic (39:12):
People do get to a point where you're just a
hamster on a wheel and you'renot getting anywhere.
And then bankruptcy really canhelp you.

Dalle Garcia (39:23):
I have one that I may be able to refer to you
guys, especially if you dobankruptcy nationwide, he lost
his job.
So all his debt Everything ismortgage is in foreclosure
pretty much.
He's 120 days.
And your ears, all the creditcards.
Oh, let me, I can restore, butno, one's going to give him
anything, unless he doesbankruptcy,

Steve Wallace (39:44):
you can't imagine they make the payments for him.

Dalle Garcia (39:46):
Exactly.
No, I can remove it.
Like people think that there'slike a magic wand, Oh, remove
that.
It's not that simple as so thisis where bankruptcy comes into
play and I strongly encourageit.
This is why this country offersthat loophole for bankruptcy so
that people can start all over arestart just like this economy.
So it's yeah, everyone goesthrough setbacks, you lose your
dog.
You just can't pay.

(40:07):
So yeah.
When I see that, and it's liketoo many, outstanding lines of
credit creditors that are like90 days going into collection or
repossession.
I have one, he had arepossession to, that he has
voluntary give back his car, buthe voluntarily gave back the car
that is still going to report asa possession on this report.
So when it's like that, and it'sjust too much, just go and file

(40:28):
bankruptcy and start all overand then you'll see how, and
then you can elaborate more onthe differences.
I know there's differences inbankruptcy procedures, and, but
I know that will help the clientstart all over and not have to
wait a year, two years figuringin the hamster wheel, like you
mentioned, figuring out what arethey going to do in the midst of
that.

Steve Wallace (40:47):
But we look at bankruptcy as a financial
planning tool.
We don't want to put somebodyinto bankruptcy.
And I know Selena will agreewith me.
We don't want to put anybodyinto bankruptcy unless we know
that once they get through it,they're going to be yeah.
In a better position than theywere from the start.

Dalle Garcia (41:01):
And that's awesome because that's something that
you may want to discuss more,especially to our community,
because bankruptcies is, haslike a bad connotation.
And I educate the client andsay, not necessarily they offer
it.
And yet it will show in yourcredit report, how many people
thought bankruptcies and are intheir homes they're able to make
moves otherwise.
How long is it take you for youto get to the next step is going

(41:22):
to be very difficult.
So maybe that may be the option.
Correct.

Celena Muzic (41:26):
And what do you recommend for people that have
filed bankruptcy?
Because a lot of times peoplecome back and say, okay, We're
done with the bankruptcy.
How do I remove that from mycredit?

Dalle Garcia (41:38):
And it depends, like I deal with compliance.
I'm not disputing, I'mchallenging.
It's two different things.
And we could talk about thatmaybe in another podcast, the
difference between challengingand disputing.
So I'm dealing with acompliance.
And compliances is a veryeffective way because a lot of
the times under the law, itshows that the bankruptcy it's
public records, although that'spart of the B credit report, a

(42:01):
lot of the times is unlawful tobe reporting that type of stuff.
On someone's report.
If you know how to finagle thelaws in your favor, so you can
go to the County and you canchallenge and say, this is not
supposed to be reporting, but alot of people don't know the
credit bureaus.
They make money off of thesereporting on their credit.

Steve Wallace (42:18):
Oh, interesting.

Dalle Garcia (42:20):
Yeah, it doesn't mean that it's the end of the
world.
Some sometimes it'll say itstays there 10 years, but just
because the bankruptcy has beenfiled doesn't mean it has to be
reported.
So you see this things that youcan do to help yourself
eliminate that from the creditreport.
Okay.
Although it's still there.
If they do like Alexa nexussearch, depending on who was
there in the search, they're notgoing to, if they're going to
see it, but not going to bereporting, which doesn't affect

(42:42):
the person from.
having that so called on theircredit report, but even though
they can still rebuild theircredit, they can, I always tell
them there's ways to rebuild.
You can rebuild and it'spossible.
I see people go from abankruptcy to, okay, how do I to
getting new lines of credit,being able to reestablish
themselves and even get theirmortgage and be able to get into

(43:03):
a home.
So it's good to see that and tohelp people achieve those goals.
Okay.
Fantastic.
Fantastic.

Celena Muzic (43:10):
That's great.
Cause I feel like

Dalle Garcia (43:11):
a lot of people need that

Celena Muzic (43:13):
advice as well.

Dalle Garcia (43:14):
Cause

Celena Muzic (43:15):
I filed bankruptcy.
I can never get a credit cardagain or I can never move
forward.
and I always tell them, this isnot the end.
This is the beginning.

Steve Wallace (43:24):
Exactly.
It's a fresh start.
Just like Congress said in thelegislative history for the
bankruptcy code.
I always that's my sales pitch.
Don't

Celena Muzic (43:31):
y'all can borrow it.

Steve Wallace (43:33):
Okay.
a couple of pop culturequestions for you.

Celena Muzic (43:36):
I have

Dalle Garcia (43:36):
a question who was,

Celena Muzic (43:38):
what actor.
What was your, who was yourchild after our musician?
Was your childhood crush

Dalle Garcia (43:47):
and who is it?

Steve Wallace (43:48):
Yes, we do.
We all do.

Celena Muzic (43:54):
Who was it?

Dalle Garcia (43:55):
There's so many.
Wow.
Oh my God.
You guys got me stuck over here.
I'm trying to think of who was,

Steve Wallace (44:05):
let me ask the tough questions on attorneys are
human too.

Dalle Garcia (44:08):
I've always liked.
I've always liked MichaelJackson.
I always, even though, even tothis day, I listened to Michael
Jackson and I'm like, why did hechange his looks?
He was so cute.

Steve Wallace (44:18):
Yeah.
I don't think he would like youthese, during his later days,
but that's for another topic andanother

Celena Muzic (44:24):
Michael Jackson.
So you like original Michael

Steve Wallace (44:27):
Jackson off the wall.
Jackson, five type of Michael

Dalle Garcia (44:30):
Jackson.
Okay.
And that's like that.
I used to watch that foot workand try to copy it.
And I even ended up getting oneof the gloves when I was

Steve Wallace (44:36):
here you go.
Okay, cool.
I always want it beat a jacket,but it was too expensive.
My parents would never get it.
My final pop culture questionis.
And I know we've talked aboutthis online is basketball.
Okay.
One of the important questionson our show is who is the

(44:57):
greatest of all time inbasketball, Michael Jordan, or
LeBron James?

Dalle Garcia (45:02):
I like LeBron James.

Steve Wallace (45:04):
Somebody is on my side and why?

Dalle Garcia (45:07):
I just love, I just, I'm not saying that
Michael Jordan wasn't like, ontop of his game.
Cause he was, I just liked theway he is with his community.
More so than Jordan, likeMichael Jordan, he came from
like the bottom and he's, he wasfamily oriented until he
divorced.
But for some reason I admireLeBron for being so young and so
family oriented and wanting togive back to the community and

(45:28):
building the school andeverything like.
I loved Michael Jordan, but whenI started seeing LeBron James
doing that, I was like, LeBronJames, definitely.
Okay.
I love it.

Steve Wallace (45:39):
And he doesn't like that answer, but I do.
So

Celena Muzic (45:42):
that's

Steve Wallace (45:42):
Selena is all about the joy.

Celena Muzic (45:44):
We were here

Dalle Garcia (45:47):
by Jordans all the time when I was like that, but,
but I know

Celena Muzic (45:52):
times have changed.

Dalle Garcia (45:54):
People change.

Celena Muzic (45:56):
It's changed.

Steve Wallace (45:58):
Okay.
Your final pop culture questionbefore we take it home with the
lightning.

Celena Muzic (46:01):
Okay.
I want to know this just becausewe both have Latina moms.
What, and I don't know if ourlisteners are gonna know, but
what novella do you rememberyour

Dalle Garcia (46:13):
mom?
Because

Celena Muzic (46:15):
I remember my mom watching.
What was it?
Mighty?

Dalle Garcia (46:24):
When I heard that song, Oh, let me have you up and
get to the living room whereeverybody's at

Steve Wallace (46:29):
last

Dalle Garcia (46:29):
night, he ended up marrying Tommy Mottola.

Steve Wallace (46:34):
Interesting.

Celena Muzic (46:35):
Yes, that is a thing, Steven,

Steve Wallace (46:39):
I'm going to have to look at it.
I'm gonna have to watch it onYouTube.
Marty Milo.

Celena Muzic (46:42):
Yes.
That was a, that is a stapleLatin mama.
Novella.

Dalle Garcia (46:49):
I miss it at all.
Amati model.

Celena Muzic (46:51):
There was a lot of, yeah, there's a lot of cat
fighting.
Oh,

Steve Wallace (46:55):
nice.
I like the cat fighting a bigfan of that.
Okay.
So now we're going to finalize,finish it out with the lightning
round.
Just very simple.
This or that?
No thinking, no explanation.
First question Coke or

Dalle Garcia (47:07):
diet Coke.
Coke.

Steve Wallace (47:10):
New York pizza or Chicago

Dalle Garcia (47:11):
pizza.
Pizza.

Steve Wallace (47:13):
Okay.
Hugging or kissing?

Dalle Garcia (47:15):
Hugging.
Cat or dog

Steve Wallace (47:19):
eat your mountains and last one burger or
tacos.
Okay.
Thank you so much, Dolly.
This was a great episode.

Celena Muzic (47:28):
So tell us how we

Steve Wallace (47:29):
can find you.
We met on LinkedIn.
You're very active on LinkedInand other social media.
So if you could just tell us howwe can find you in

Celena Muzic (47:37):
yeah.
and your new Instagram.

Steve Wallace (47:38):
Yes.
Back when all of that.

Dalle Garcia (47:40):
So my Instagram is gold.
Crown credit.
You can email me a gold [e-mail] and at Gmail.
And you can also go to mywebsite.
I go crown credit.com.
I'm on.
LinkedIn.
That's where we met.
Great to meet you, Steve fromthere.
And we am also on Instagram andFacebook go crown credit,(844)

(48:02):
244-8144.
I'm at extension one.

Steve Wallace (48:05):
Thank you so much.
This was an excellent episode.
and if we may incur, if we maypry, we'd love to have you on in
the future.
Yeah,

Dalle Garcia (48:13):
absolutely.
Thank you, Selena,

Celena Muzic (48:15):
especially with this economy and everything
going on, I feel like we'regoing to need you back on.

Steve Wallace (48:19):
Absolutely.

Dalle Garcia (48:21):
It will be my pleasure.
Anything I can do to help.

Celena Muzic (48:23):
Fantastic.
Thank you.