The Troubleshooter 01-07-26

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped, you need advice?

Speaker 2 (00:09):
Who you don't have? Run as as we can shoot
is gonna help coming?

Speaker 3 (00:18):
Man Dix is the Troubleshooter Show. Now Tom Martine, Hello.

Speaker 4 (00:24):
How are you doing today?

Speaker 5 (00:27):
We are solving problems, we hope, taking complaints, trying to
sift through everyday life to make your life a little easier.
I'm Tom Martino Major, Mark Majors at.

Speaker 1 (00:38):
The What Smathership? Mark? Who do you have there? I
see a John B. Fuller Law our friend, our personal injury.

Speaker 5 (00:46):
Attorney, expert personal injury and the law in general. But
we can talk about accidents if you have any, if
you have any questions for your loved ones. Anyway, we'll
talk about that. We'll go to the phones with an
interesting thing happened?

Speaker 1 (00:59):
Mark.

Speaker 5 (00:59):
We as you know, we get directly involved. The only
really show that does this, gets directly involved in people's
everyday life.

Speaker 1 (01:06):
To the extent you want us to. This.

Speaker 5 (01:08):
One woman called us that I had some deck work done,
it sucked and they're charging me way too much, basically
more than twenty grand. And we had the woman on
who hired the company. Then the contractor came on and Mark,
do you remember what the contractor said about if we
had an inspector go out there.

Speaker 6 (01:28):
I remember what he said, but I don't think we
actually came to that arrangement because the caller didn't want
to go there. But what he said is, if we
send an expert out there and they say it costs more,
she should pay more. But if it costs less, he'll
go ahead and charge less.

Speaker 5 (01:44):
Now, we did not get a report from Genesis, but
we asked that our expert, one of our construction experts,
Genesis tootalexteriors dot com. By the way, they're great people.
They do decks, by the way, painting, siding when everything
on the outside of the house, plus you know. Oh,
they basically do all home improvements, including basements and basketball. Anyway,

(02:07):
I've known Mark for so many years, Mark Shamansky said,
and he either goes out and inspects jobs for us,
or he sends an expert. And according to her, I
guess Josh from Genesis went out there yesterday. According to her,
Now we have not heard from Genesis yet, but according
to her, the job was way over priced.

Speaker 1 (02:27):
Well, let's let's get Mark on. Is he here now?

Speaker 5 (02:30):
Is he no?

Speaker 6 (02:30):
Reach not up yet? But Kelly you'll reach out. Let's
get him, and I'd like to hear it from the
horse's mouth.

Speaker 5 (02:35):
Okay, Oh he is up, Mark Schamansky Genesis, are you there, sir?

Speaker 1 (02:41):
I am okay.

Speaker 5 (02:43):
Well, Mark, you know, this woman was really balking at
what she was charged on a deck. She really she said, look,
I'm being charged over twenty grand and he's still not done,
and I think it is unfair.

Speaker 1 (03:00):
I thought it was sixteen am I off.

Speaker 5 (03:03):
No, she's so far twenty grand. Mark twenty grand billed
now she paid most of that, but yeah, twenty thousand dollars.
I had it broken down, and she thinks it's unfair.
Bottom line, she thinks it's unfair. I'm trying to find
the caller here. But anyway, she said, she thinks she's

(03:23):
being taken advantage of. And he said it was only
going to be six or seven grand whatever. It turns
out that it turns out that you guys went out
looked at it for us.

Speaker 1 (03:34):
What did you find?

Speaker 7 (03:37):
So, I I mean, I personally, I'm looked at this.

Speaker 1 (03:40):
I don't think I think Josh went out there.

Speaker 8 (03:42):
We're talking about Okay.

Speaker 5 (03:43):
I'm sorry, I thought you were told it was a
deck and I think Josh went out, do you have
somebody Josh on hostake?

Speaker 7 (03:50):
We do talk to Josh about it?

Speaker 1 (03:52):
Okay, okay, then we'll just have to do that.

Speaker 6 (03:55):
Would you mind talking to Josh Forrest Mark then call
us back so we can do the update properly.

Speaker 1 (04:01):
Yeah, no problem. Anyway. The story is she hired a.

Speaker 5 (04:05):
Contractor to fix up a deck that was built that
was built in October, I believe, and she said that
he said nothing was done right and he had to
do it all over again. He said it would be
seventy five hundred, and then it turned out to be

(04:25):
more like twenty thousand. His first bill was forty four hundred.
Then he built her fifteen thousand, six hundred, which she
hasn't paid yet. And she thinks the job's only worth
five grand. And so because Danny the contractor insisted he
did a great job, he gave her a great value,

(04:46):
she said, no, we said, let's send out Genesis. That's
when we contacted you guys, and Danny said he would
he would basically go by whatever our experts said.

Speaker 1 (04:57):
I mean, he really said that.

Speaker 5 (04:58):
He said, look, if you're experts says it's not worth
the money, tell tell tell us what it is worth.
And I knew you guys would be fair about it.
So anyway, thanks Mark for being available on short notice.

Speaker 1 (05:09):
We will get to that.

Speaker 5 (05:11):
Okay, let's just do that three oh three seven one
three eight two five five and let's see all right.
Ken has an issue with Excel Energy. Ken, Welcome to
the show. What's going on with you?

Speaker 1 (05:26):
Hello? Ken?

Speaker 2 (05:27):
Oh yes, sir, what's happening?

Speaker 1 (05:31):
Well?

Speaker 9 (05:31):
Since August, I've been getting a bill and my electric
on I keep saying zero zero zero killowatts used. I'm
on a meter that they come out and read because
I didn't go.

Speaker 7 (05:44):
On the smart meter.

Speaker 9 (05:45):
I refused to, so they have to come out and
read it, which I pay for, okay, and they build
me for that. Yeah, they come out and read it
and they say it's working fine. But I get my
bill and it says zero zero. So I've called them
every month and told them about it because I'm worried
they're going to stack up the bill on me and
stick it to me in the end with a ton.

Speaker 5 (06:06):
Yeah, but hold on, but it's still it's still going
to be what you used. I mean that that happens
once in a while. Here's what happens if they don't
get out there and read it. They they put it
in either as an average or they put it in
as zero, and then quarterly sometimes or even longer than that,

(06:27):
they then go in and.

Speaker 1 (06:29):
Bill you for actual usage.

Speaker 5 (06:31):
Again, I know people don't like the idea, but it's
not like you're paying more. You're paying the same exact amount.
They're not charging you interest or anything on it. So
if you mentally put away some money every month and
then when that bill comes, you'll have the money to
pay it. Maybe you put to put away an average
budget of some kind for the electric But I understand

(06:52):
your frustration.

Speaker 1 (06:53):
But Ken, I have a quick question.

Speaker 5 (06:54):
Okay, why did you choose not to go with a
smart meter? Because they're more accurate and they're actually better
and you can pay less money.

Speaker 1 (07:02):
Why did you not go with a smart meter?

Speaker 9 (07:06):
Well, my reason in the time is because I just
didn't want them to be cutting off my electricity at
any time that they felt that they need to. I
guess they still could, like when they say, well there's
is peak hours in.

Speaker 1 (07:20):
That now, I know. Yeah, No, I know what you mean.

Speaker 5 (07:24):
A lot of people, a lot of people feel a
number of different things they feel like they're going to
spy on them somehow, or they're going to brown out
or black out their house. I understand what you're saying,
but all of that is hogwash. I mean, truly everyone
should be on a smart meter. Technology in this sense
is good, but it doesn't matter right now. Bottom line

(07:46):
is it shows zero. Really, there's nothing you can do
about it.

Speaker 1 (07:50):
Ken They're not.

Speaker 5 (07:51):
Going to come out and read you every month. They're
just not going to do it. So what did they
say when you complained to.

Speaker 9 (07:57):
Them, Well, they I pay for them to come and
read it every month.

Speaker 1 (08:03):
You know, I get it.

Speaker 9 (08:04):
I have come out and they said, yeah, they come out
and read it now. But it's in billiing, no, actually billion.

Speaker 5 (08:10):
Actually actually they don't come out and read it every month.
But if they tell you they did, fine, I don't
care about that. Bottom line is it's going to catch
up with you anyway.

Speaker 1 (08:21):
What difference does it make?

Speaker 9 (08:24):
Well, you know, I guess, because you know, I'm not
used to doing business that way. I guess it's okay
doing transactions that they had changed where you was one
way in that, but it seems like in a way
they're kind of trying to manipulate you and force you
into their way of doing things.

Speaker 6 (08:40):
Well maybe so, but I doubt they put this whole
scheme together to come after you.

Speaker 1 (08:44):
Ken. Yeah yeah, yeah, Ken.

Speaker 5 (08:45):
In other words, are you saying they're going to charge
you more than you should be paying, or that they're
trying to force you into a smart meter?

Speaker 9 (08:54):
They're trying to force me into a smart meter. And
what I'd like to know is how many other people
are they doing this too?

Speaker 1 (09:00):
Or am I one everyone? You don't know? Everyone an answer? Ken? Everyone?

Speaker 8 (09:05):
Answer?

Speaker 10 (09:06):
Well?

Speaker 5 (09:06):
I don't think they ow. I don't think they don't
owe you an answer, Ken. Somehow you feel like you
got all these rights. It's a utility company. They don't
have to tell you about their internal workings. They don't
have to tell you how many people they estimate billing
or put zero down and then come back and bill later.

Speaker 1 (09:22):
Why do they owe you that? They don't owe you
an explanation?

Speaker 5 (09:25):
I mean, Ken, I'm all for helping you, bro, I
really am, and I'm serious about that. But what's going
on with you is not unusual. You chose not to
get a smart meter. They are not sending people out
to read. They're estimating zero sometimes they do an average
billing based on previous years. But in your case, they're
putting down zero. Eventually a charge for your electricity will

(09:48):
show up. Just put them aside. Yeah, just put the
money aside.

Speaker 1 (09:52):
Ken.

Speaker 5 (09:53):
Again, I don't see a problem here other than an inconvenience.
And I understand it bugs the hell out of you.
But let's just I think I'm doing you a service
by telling you the truth. They're not going to change
their billing, they're not going to change how they do
business for you.

Speaker 1 (10:08):
They're just not okay. And that's.

Speaker 5 (10:12):
You know. And if I were you built, Ken, And
I'm serious when I say this, get the smart meter.

Speaker 1 (10:19):
Get the smart meter.

Speaker 5 (10:20):
I mean, I understand there are so many people that
resist technology and they resist new stuff.

Speaker 6 (10:29):
Yeah, but there's other reasons for not wanting a smart meter.

Speaker 1 (10:32):
Tom, give me an idea.

Speaker 6 (10:34):
If you charge your car at two o'clock in the
afternoon like I do, it would cost me a lot more.

Speaker 5 (10:40):
There you go, Okay, Well, but it also can save
you a ton of money as well.

Speaker 1 (10:45):
It can. It depends on your habits.

Speaker 5 (10:47):
That what they're trying to do is they're trying to
even out usage and consumption and the smart meter can
keep track of it and charge you according to when
you use it. So while Mark says he can pay
a premium midday, it's also the opposite. You pay really
way less on off peak.

Speaker 1 (11:05):
No, no, no, I'd agree with that.

Speaker 6 (11:06):
What I'm saying, though, is some people might not be
able to charge at night because they work all night
and their car's not there. There are reasons not to
get to smart meters. What I'm saying, right, Okay, that's right.

Speaker 5 (11:18):
Yeah, But I think in the long run, in general,
it benefits most people.

Speaker 1 (11:22):
It really does.

Speaker 5 (11:23):
The electric company wants to even out usage and consumption.

Speaker 1 (11:27):
What's that? Why do you use most use them really power?

Speaker 6 (11:31):
I think the main reason for it too is they
can get rid of some of those employees that drive
around checking meters.

Speaker 1 (11:36):
I'm all for that. Yeah.

Speaker 5 (11:38):
Well anyway, I wish we could help you more, but
we can. I mean, ken, they're just not going to
change the system. We got full lines. We'll get to everyone.
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(12:45):
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two time. I'm Tom Marchino,
your troubleshooter three O three seven one three talks seven
one three A two five five We do jan who
has a comment on smart meters. By the way, I
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Speaker 1 (13:08):
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Speaker 1 (13:17):
Now.

Speaker 5 (13:17):
By the way, Janet, I've done some research over the
break with some Excel propaganda along with some independent studies
on smart meters and mark. One thing that I did
find out, when you have a smart meter installed, you
can opt out of time of use billing. You do not,
it's not they don't force it on you. But but
you can have a smart meter and say you want

(13:39):
to do the flat rate and not the time of
use billing. There is a convenience charge, they call it
tact on. If you don't have a smart meter, or
if you have a smart meter without time of use,
there is a fee that rains twenty five to thirty
five bucks a month. Janet, what's your comment on smart meters?

Speaker 11 (13:58):
This was just through experience, but you know, they jumped
over my fence and replaced my meter with one of
those smart meters.

Speaker 5 (14:05):
But they shoved over your fence. They didn't even bother
coming through the gate. How terrible.

Speaker 12 (14:11):
They were all locked anyway, So because I know that
because I chased them down, they get paid for peace.
So every time they replaced the contractor that got so tell.

Speaker 5 (14:24):
Me what's wrong? What's wrong with the idea that they installed?
By the way, you could have opted out of the
smart meter.

Speaker 1 (14:29):
Did you know that I can opt out of that.

Speaker 11 (14:33):
Yeah, of the feeling thing, which is fine. So, but
they shut my power off for like twenty five hours
on windy day and then I wasn't even back up
for twenty four hours.

Speaker 5 (14:48):
Boy, that wasn't because that was an hour that was
not because of a smart meter.

Speaker 1 (14:54):
That would have happened no matter what kind of meter.

Speaker 11 (14:56):
Okay, so, but anyway, I feel that by smart meter
game and just an easier opportunity to.

Speaker 1 (15:03):
No, not true, not true.

Speaker 5 (15:05):
They shut everyone out down by the substation had nothing
to do with meters. But thank you for the call, Jennet.
I really do appreciate the comment. Those who are thinking
that it makes it easier to shut off your power,
that's not true. What people are fearful of are these
rolling brown outs and blackouts based on usage Now, the
smart meters do make it easier to find which areas

(15:28):
are using more power instantly they can get an instant read,
which could count into their maybe their algorithms on who
to shut down and all of that, but they can
shut down your power no matter what kind of a
meter you have. I just think there's over paranoia when
it comes to smart meters, and.

Speaker 6 (15:47):
Well, really they do do that right now for nonpayment.
If you have a smart meter and you're not paying,
they don't have to send someone out anymore. They just
right they just to that button and boy, your power's gone.

Speaker 1 (15:58):
Jack.

Speaker 5 (15:59):
But they're they're converting most people. It is more accurate.
It does have time of day or time of use
if you want it. There is an opportunity to stretch
out your usage and to actually save money. But at
the same time, if you use most of your power
during peak times, you won't save money. But what what

(16:20):
they're trying to do is even out usage.

Speaker 1 (16:24):
That's their main reason. And as Mark.

Speaker 5 (16:26):
Pointed out before, not have people come out and read
meters like the old days. I mean that is really
doing real school. And then opt out costs can be
a lot of money by the way they your rates
can jump anywhere from twelve to twenty five dollars a
month if.

Speaker 1 (16:45):
You opt out. Okay, let's go back.

Speaker 5 (16:46):
To the phones and this thing with Ashley. She's a
single mom of four. She says she's having a problem
finding a place. She's a truck driver. Her mom's helping
her out. Now she's in a hotel. She can't get
in a apartment, mainly because of her background from years ago.

Speaker 1 (17:04):
She had some offenses and Ashley, you.

Speaker 5 (17:07):
Don't have a serious background issue from what we can
tell now.

Speaker 6 (17:12):
A few motor vehicle cases or protection order against her
and then she had one against somebody else, a child
custody deal.

Speaker 1 (17:20):
Just basically stuff like that.

Speaker 6 (17:22):
An extortion in trespass case that she talked about that
was over ten years ago.

Speaker 1 (17:28):
Yeah.

Speaker 5 (17:29):
So, Ashley, were you ever told you were turned down
for a rental because of your background?

Speaker 13 (17:38):
Yes, Rentals as well as jobs just really quickly take
to take a turn about the Excel bills. I could
watch a news episode about three months ago that said
all Excel users are going to see their bills increase significant,

(17:58):
significantly because of a bill that would passed for private
equity being approved in this state for funding whatever they
need to fund that the ex val users are going
to take on the brunt of that funding.

Speaker 5 (18:17):
Okay, I'm not sure what you're talking about. I'll look
it up. But you heard that rates were going up
as a result of private equity.

Speaker 1 (18:25):
Is that the bottom line?

Speaker 13 (18:27):
Yes, sir? I remember?

Speaker 5 (18:30):
All right, Well, I'm going to look up. I'm going
to look that up. I'm not sure what you're talking about. So, Ashley,
how many times were you turned down for renting a place?

Speaker 13 (18:40):
I can't even begin to tell you. I mean, it's just.

Speaker 1 (18:47):
You sure. It doesn't have to do it could have
to do with income.

Speaker 6 (18:50):
I'm going to get I'm going to get one of
our experts on while you're talking to her, Denver real
estate moguls, and let's see what they would think.

Speaker 1 (18:57):
Maybe he's got a place you can rent.

Speaker 5 (18:59):
Right operaty Managers. They do a great job. They're on
a referral list at referral list dot com, Ashley, and
that's what we ought to do.

Speaker 1 (19:08):
Hang on and we'll come right back to you. Okay.
What we'll do is we'll try to get a comment.

Speaker 5 (19:14):
I know they'll have something to say on how you
can become more eligible. Jay has a comment on smart meters. Again,
as I said, whenever it comes to new deck technology,
there's always pushback. There really is, and that goes for
any smart devices. People are getting sick and tired of it,
and they feel like they're privacies out the window, or

(19:36):
they're giving up control, et cetera, et cetera. Fill in
the blank, Jay, what is your comment on smart meters?

Speaker 14 (19:43):
Well, it's involving that type of thing. It's not necessarily smart.
But what I'm sick, I'm tired of is, Oh, why,
mister Baldwin, you can knock out of this, but we're
going to charge you third right right, about three hundred
and sixty every single year, let's say that.

Speaker 1 (20:00):
And they call it a convenience fee.

Speaker 6 (20:02):
What the hell is a convenience fee?

Speaker 14 (20:06):
Well, it's convenient for them to colect money.

Speaker 5 (20:09):
You know what surprises me is that those add on
fees are allowed. I mean, if you opt out, what
they're saying is you're going to pay extra.

Speaker 1 (20:16):
Hey wait a minute, I just thought of that.

Speaker 6 (20:18):
I wonder if they fall under the new regulations had
kicked in this year. You know, that's basically that could
be looked at his false advertising if it's whatever a jigawat.

Speaker 1 (20:28):
And they're charging more.

Speaker 6 (20:32):
Well, someone tells me the bright people in Colorado that
run this state, the Democrats probably thought about that.

Speaker 1 (20:39):
And they have immunity on everything they like.

Speaker 14 (20:42):
Well's never found a fee they don't like.

Speaker 1 (20:45):
I don't know for the life of me. And that's
what they've done.

Speaker 6 (20:49):
Now now that they can't tax things without voter approval,
they call it a fee.

Speaker 1 (20:54):
Oh, that's not a tax, that's a gosh dang fee.

Speaker 5 (20:57):
No. No, we are feed to death and that there's
no doubt about it.

Speaker 1 (21:02):
I mean they because wait.

Speaker 6 (21:04):
Till Trump gets in here and starts sniffing around. You
think there's fraud in these other blue states, wait till
they get to Colorado. Everybody's gonna be flabbergasted.

Speaker 5 (21:14):
You think there's fraud going on, like with the government
programs and stuff.

Speaker 6 (21:18):
Mark, Oh my god, it's gonna be unbelievable. The homeless stuff.
There's gonna be just like that daycare stuff. There's gonna
be so much of that here. It's gonna be mind blowing, man,
Absolutely mind blowing.

Speaker 5 (21:31):
Heymen, Mark, rad Okay, Jay, thanks for calling. We got
more coming up on The Troubleshooter Show. Three oh three
seven to one, three A two five five. By the way,
Denverregen dot com, now we know Mark took the weight
loss journey with them for pennies on the dollar. They
also do testosterone and hormone replacement. They also do uh

(21:54):
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Speaker 4 (22:12):
You don't pay a cent until you're content.

Speaker 5 (22:18):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two.

Speaker 1 (22:43):
Hi Tom Archino here, Welcome to the show.

Speaker 5 (22:46):
Three O three seven one three talk seven one three
eight two five five. Sean Gilliard, I'm a gilliond is
with Denver real estate Moguls. They're property managers. They help
people who have properties they they want.

Speaker 1 (23:00):
To rent out.

Speaker 5 (23:01):
They are a management company, by the way, and I
think in today's landscape, it's crazy not to have a
property manager because the fees are so so low compared
to the hassles you have being a landlord yourself. You know,
obviously with a management company you retain full control and ownership.

Speaker 1 (23:23):
But they do all the hard work.

Speaker 5 (23:24):
They find tenants for you, they execute the contracts, they
collect the rents, they dispatch repair and maintenance people. They
just really take over. Sean, Welcome, thank you for being here.
And I guess what we're trying to figure out is
how Ashley can rent a place. She says she has income.

(23:49):
She saved up enough to pay security deposit and.

Speaker 1 (23:52):
All that income. Ashley, what is your income?

Speaker 13 (23:59):
Sorry, I needed the phone. It's about fifteen hundred.

Speaker 4 (24:02):
A week.

Speaker 6 (24:04):
Now six thousand a month. You should be able to
rent a place, right, Sean.

Speaker 5 (24:08):
Now, Sean, she's had some she's had some light criminal stuff,
I mean really some issues ten years ago on her
background check. What have you found when it comes to
background checks that landlords get upset about.

Speaker 1 (24:26):
Ashley explained to him, some of the things in.

Speaker 5 (24:28):
Your background or better yet, Mark, do you have the
background in front of you.

Speaker 6 (24:32):
I don't have the actual check, but I have the
summary of it, and there's really not much to it,
with the exception that ten years ago she had some
kind of extortion.

Speaker 13 (24:45):
I beat that extortion charge.

Speaker 6 (24:47):
Well not according to your Well maybe you did beat
the you didn't beat the charge.

Speaker 1 (24:52):
I mean, right, that's right, Mark, that's right, that's right.

Speaker 5 (24:56):
That's a bad thing. Sometimes your charge with something, you
beat it. And even though there's no conviction.

Speaker 6 (25:01):
And I'm going to clarify if that was a conviction
as you guys are talking.

Speaker 5 (25:05):
Okay, but but Sewan, have you found that that charges
stay on there even if there was no conviction.

Speaker 14 (25:14):
Yeah, I mean, but you.

Speaker 15 (25:15):
Know, we're going to look at the overall charge and
you know, talk to the person and try to figure
out exactly what happened there. I mean, what we're really
looking to avoid is obviously any kind of any kind
of you know, pettilia or anything like that exactly, you know,
and major things, you know, like major drug charges, you know,

(25:36):
marijuana or something. You know, obviously that's you know, that's lesser. Yeah,
out these days and stuff, and a lot of people
have that kind of stuff on their records from the past,
and we we definitely can look past that kind of stuff.

Speaker 1 (25:50):
Okay, So here's what I want to know.

Speaker 5 (25:52):
I know that you're a property manager for landlords, but
every once in a while a case like this comes up.
Would you be able to maybe if a tenant has
an issue, help them find a place.

Speaker 1 (26:05):
Is that in your wheelhouse or not?

Speaker 15 (26:08):
Yeah, we don't necessarily help tenants find places, but we're
always happy to, you know, have a conversation with the
tenant such as Ashley and just you know, kind of
at least try to guide her. I guess, you know,
we can always at least go through our properties and
see if anything well.

Speaker 5 (26:23):
Yeah, that's what I'm thinking. You know, Ashley, Sean will
go beyond just looking at the black and white. You know,
he's going to say, wait a minute, what was this?
What is it for? I think Sean, a lot of
times management companies, when they do a background check, they're lazy.
They just basically just totally discount things when they find
anything in the background and I don't think they bother

(26:44):
parsing through it, like you said, yeah.

Speaker 15 (26:47):
And I think you need to do that, I mean,
because sometimes you know, they could be a perfect tenant.

Speaker 1 (26:52):
So Ashley, here's how we're going to start.

Speaker 5 (26:56):
If nothing else, I would like Sean's professional opinion on
what you can do to be a better tenant prospect
or if there is anything you can do. Maybe there's
nothing you can do. The other thing we're gonna do,
Ashley is see if maybe he has a place in

(27:16):
their reel, in their inventory where they can maybe put
you in it. Maybe maybe you will be a good fit.
And for those listening, if you are interested, and thanks
both of you very much for being on. I want
to give you Denver real Estate Moguls dot com, m
O g u l S m O g u l

(27:37):
S Denver real Estate Moguls dot com and Sean. Yeah,
so Kaschina. Put Ashley together with Sean and let's see,
for the heck of it, if they can help us,
if he can help us out by seeing what's a
snag in her background, or if maybe they have a
place they can help her with.

Speaker 1 (27:57):
All right, by the way, we have on Fuller.

Speaker 5 (28:00):
With us at a Fuller Law to talk about personal
injury and other legal wanted.

Speaker 6 (28:05):
To talk to him about that scooter case we had
the other day.

Speaker 5 (28:10):
Yes, let's do that, but I was crazy. Let me
take Nick before the break. He has a comment on
smart meters. Nick, go ahead, what do you have to
say about smart meters?

Speaker 16 (28:21):
Yeah, I was I was going to call to make
a comment about. Yes, when they were initially rolling those out,
I was pretty hesitant to want to go with the
smart meter, and they were kind of framing it as
you know, convenience, right, obviously it's right more convenient for
the consumer, and I was saying, well, what if I
opt out?

Speaker 14 (28:42):
Right like that last call, I.

Speaker 1 (28:43):
Was saying, well, then exactly exactly.

Speaker 16 (28:46):
They were posing that ad. Well, they're going to then
have to still send somebody out to drive past your
house to read the meter, right, instead of them just
in their office with the smart meter communicating include the internet, right,
So that's what that e'stra you know, proposed were.

Speaker 5 (29:05):
By the way, did you go with a smart meter?
Did you did you end up getting a smart meter?
By the way, maybe he got.

Speaker 6 (29:16):
Hey and real quick just before we got a break,
which we have to do. I have clarified she she
was guilty of whatever crime that was, whatever that extortion was,
but I don't even care about that. It was ten
years ago, like Sean said, but if she's under the
impression she beat it, whatever that means she did it.

Speaker 5 (29:35):
Okay, that's good to know. We got more coming up
on The Troubleshooter Show.

Speaker 1 (29:38):
Three or three seven one three eight two five five.

Speaker 5 (29:43):
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,
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seven to one.

Speaker 1 (30:02):
Help.

Speaker 5 (30:03):
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 a troubleshooter. Three
oh three seven one three talk three oh three seven
one three eight two five five.

Speaker 1 (30:25):
All right.

Speaker 5 (30:26):
Sean called yesterday and he said, basically a roofer knocked
on his door and said, I'm going to give you
a free roof inspection. This was a while ago, I believe,
back in November of last year. And then he said, uh,
he negotiated with his insurance company and Shawn got a
check for thirteen to five. Shawn then hired another roofer

(30:46):
to replace the roof. And now the original roofer who
did that knocking on the door is coming after him
saying that he owes him some kind of cancelation fee.
And I said, well make them put up for shut up.
They have to document. They have to document the debt.
Do they have a contract with you? Did you sign

(31:07):
a contract at the door? Is there a cancelation fee? So, Sean,
did you tell them what we told you to tell them? Yes?

Speaker 8 (31:17):
I did?

Speaker 1 (31:19):
And what did they say that?

Speaker 8 (31:23):
They said that, to make a long story short, that
they would only give.

Speaker 7 (31:27):
It to that to the third party I decided to
involve in it.

Speaker 5 (31:31):
They what do you mean, Well, then they don't have
a contract, So what do they mean they will only
give it to a third party? What exactly does that mean?

Speaker 7 (31:42):
I think what they're in playing is since I got
a lawyer, they're.

Speaker 8 (31:45):
Only going to talk to a lawyer.

Speaker 17 (31:47):
Talk course they are. It's illegal for them to talk
directly to you at that point.

Speaker 1 (31:50):
But did you I don't.

Speaker 5 (31:51):
But but he didn't say he got an attorney.

Speaker 15 (31:55):
I did not say that at all.

Speaker 1 (31:57):
He never said he had an attorney. That was the
whole idea.

Speaker 5 (31:59):
He called him and said, if I want you to
document the debt, I need to know if I have
a contract, I need to see it. They told him,
you can only we're only going to talk to a
third party. Is that is that right, Sean?

Speaker 8 (32:13):
They said, since I involved a third party?

Speaker 5 (32:15):
Though, okay, but what gave them the idea? What gave
them the idea? Since you involved a third party? Why
did they even say that? Because did you tell him
you talked to Usso did you tell him you talk
to us on the radio?

Speaker 15 (32:32):
No?

Speaker 1 (32:32):
I did not, okay, Sean.

Speaker 8 (32:35):
Was because it sounded so official that I must have
talked to somebody.

Speaker 6 (32:38):
What he right, Well, Hal he's got to do is
to sit around, tell him to suit and ignore it.

Speaker 1 (32:43):
Ignore it.

Speaker 5 (32:43):
That's right, that's right, because they can't take a dime
from you, not a dime until they prove that debt.
And in order to prove that debt, they have to
show something like a contract, and then they have to
get a judgment. So if it was me, I'm just
going to tell you what I would do. If it
was me, I would nor it.

Speaker 8 (33:03):
Okay, I mean the data credit when my credit they
have it.

Speaker 5 (33:09):
Well, you can well use it until they have a judgment.

Speaker 1 (33:13):
They're not supposed to. People need to understand that.

Speaker 6 (33:17):
Now, if it's a credit card and you agreed to
certain terms with a signature when you got the credit
card or something along those lines, that's one thing. But
I can't simply go out and say, John Fuller owes
me eight hundred dollars in record it.

Speaker 5 (33:31):
Now what Sean, what you're talking about is called slander
of credit. And yes, there are creditors who have used
credit reports in the past as a punishment and leverage pay.
If that happens, you can hire and you can literally

(33:51):
sue them for slander of credit and they can get
in very big trouble and owe you a lot of money.
People don't take that seriously, but you should. I have
known consumers who have sued for slander of credit.

Speaker 6 (34:04):
It's the FCRA Act, and that stands for Fair Credit
Reporting Act. It allows victims to sue for actual damages,
statutory damages, and punitive damages and attorneys fees for God's sake.

Speaker 5 (34:19):
Yeah, Now we have more coming up on the Troubleshooter shows,
stick around, go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 4 (34:29):
You don't pay a cent until you're content.

Speaker 5 (34:35):
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 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 1 (35:01):
You needed by so you don't have.

Speaker 5 (35:07):
Run anxiousness as.

Speaker 1 (35:08):
The kid shooter is gonna help.

Speaker 3 (35:12):
Come Man Dix, he is the Troubleshooter show.

Speaker 1 (35:16):
No Tom Martino.

Speaker 5 (35:18):
Hey, I'm Tom Martino and I welcome you to the show.
Three oh three seven to one three. Talk is our number.
Three oh three seven one three eight two five five.
Frank durand the real estate Man will tell you what
your house will sell for based on today's conditions, the
interest rate, submind demand, the neighborhood, the comps. Whatever you
need to know, so without any obligation to list, without

(35:41):
getting into any big long rigamarole He will simply tell
you what your house will self. We're based on us
thirty years of experience. Give him a call if you
decide to list, you won't find anyone better. Frank Duran,
the real estate Man dot com three oh three nine
two zero sixteen twenty two.

Speaker 1 (35:58):
Welcome to the show. John Fuller's with us from Fuller Law.

Speaker 5 (36:01):
He's a personal injury attorney and can answer all kinds
of questions. I do have one real quick. Then we're
going to go to the phone's. Phone callers always get
priority here, but I do have one here. And oh so, John,
someone was in an accident. She believes it was the
other person's fault. She got a call from the other
person's insurance company and they wanted to do questions and

(36:21):
record them. What do you tell She said she was
injured and she did not talk to them at the time.
She said she told them she had another commitment. She
wants to know should she talk to them and allow
them to record it?

Speaker 17 (36:36):
Well, we certainly don't let our clients give recorded statements
to the other insurance company, So no, I mean, nothing
good can come out of that. These people are trained
in how to ask questions in ways that will inspire
you to accept some responsibility, Like you know, questions like well,
I mean, you could have gone a little bit slower,

(36:57):
you could have seen the intersection before, you could have
hit the brakes earlier. Those are all questions things like
that that are designed to apportion some responsibility for that
accident on you, no matter how small. It could just
be ten or fifteen percent, but that's a huge amount
of money. It ends up being a big age.

Speaker 1 (37:14):
It's like a deposition, basically, it.

Speaker 17 (37:17):
Is, but it's there are no rules and you're not represented,
and I mean there's just nothing good that can come
out of it. So by and large, the answer is
absolutely not all.

Speaker 1 (37:27):
Right, thank you very much.

Speaker 5 (37:29):
Christy called yesterday and said, hey, I had this deck
built okay.

Speaker 8 (37:34):
And.

Speaker 1 (37:36):
It was bad. It was back in November.

Speaker 5 (37:39):
I hired another guy to look at it and say
can you fix it? He said yeah, it'd be about
seventy five hundred, but it could be more. And so
he went to work on the deck and builder for
forty four hundred bucks, and then later builder for another
fifteen thousand, six hundred, so that's a total billing of

(37:59):
twenty And he said it's still not done. Now we
talked to the contractor Danny, and he said when he
took on the job, the deck was done improperly and
he practically had to redo the whole thing. He said,
I'm doing this, lady, and USh giving me the go ahead.

(38:21):
So I went ahead. Now she's balking at the price.
And I said, here's the bottom line. What did Christy
get for the twenty grand? And Danny said, she got
a good job and anybody who looks at it will
verify that it's worth twenty grand all day long. So

(38:42):
I said, okay, what if we have an expert look
at it? And he said, I believe Mark. He said
that if our expert values it at less, he would
charge her less.

Speaker 1 (38:53):
Didn't he say that? Well he said that or not
she didn't agree to the terms.

Speaker 5 (39:00):
Okay, all right, anyway, let's talk Christy. Josh from Josh
from Jenice Genesis Total Exteriors came out yesterday to look
at your deck.

Speaker 1 (39:13):
Yes, he did, and did he look it all over?
Did you did he did?

Speaker 5 (39:17):
He literally physically inspected Yes?

Speaker 1 (39:21):
Okay.

Speaker 5 (39:22):
Now, Mark Schamansky Josh was boss and Josh's bosson the
owner of Genesis Tootal Exteriors dot Com is on to
look at it. He's looked at the picks and talked
to Josh. Mark, what do you guys make of the job.

Speaker 7 (39:39):
So Tom, just you know, I do have Josh in
my office right now too. It just happened to look
out that he was nearby East Dampton, so he can
answer questions too. But looking at the pictures of the deck,
you know, and again if he said he had to
rebuild things, I'm glad that you just said that because
I didn't know that. But there's things that are very
wrong with this deck, especially in the upper deck with

(40:03):
the Joyce hangers, and they're practically falling off the nails, aren't.

Speaker 6 (40:08):
Wait Wait, we've got to we have to recap this then, Mark,
because what happened is she had someone else out there
right working on the deck and fired that person then
brought in the secondary right right.

Speaker 5 (40:23):
Yeah, I mentioned that Mark, that the original guy was
in November of last year, and then that's when she
hired this guy. He's not the original guy, so Mark,
he inherited, maybe some bad work, but still to charge
twenty grand.

Speaker 1 (40:39):
The bottom line is that that goes along, That should
go a long.

Speaker 7 (40:42):
Way, right, That's that's completely ridiculous number. I think the
money she's paid is probably okay, but there's still lots
of repairs to be done on this work that's done wrong,
work that's unsafe, tripping hazards on a facial board, that's
thinking above the deck that you know you could trip
on if you're walking off.

Speaker 1 (41:02):
Let me talk to Josh. Let me talk to Josh.
Is he around?

Speaker 5 (41:05):
Can we keep it so, Josh, you went out and
looked at you went out and looked at the deck.

Speaker 1 (41:12):
If I told you, hey, Josh, I just paid twenty
grand for this, what would you say?

Speaker 7 (41:19):
I'd so you got ripped off royally?

Speaker 1 (41:21):
Wow? Wow? How much do you think it's worth the
work that he did?

Speaker 18 (41:29):
I think that the for the work that he did
is probably four or five grand worth work.

Speaker 1 (41:35):
Oh my god. Really she was right. Christy was right? Christy,
My goodness, I thought you were exaggerating.

Speaker 2 (41:47):
No, he didn't do anything structural either. He's lying about that.
He did not make any structural repairs.

Speaker 1 (41:55):
In other words, he just was doing some cosmetic stuff.

Speaker 2 (42:00):
I sent you documentation on email in a documented conversation
between Danny and I, where he even itemized everything of
what I agree to you.

Speaker 5 (42:12):
Now, let's talk about this, Christy, you paid him so
far forty four hundred.

Speaker 1 (42:18):
So far you paid him?

Speaker 2 (42:21):
I did, and it was reluctant because of our.

Speaker 5 (42:24):
Now, how much right now? How much had you previously
paid the other guy?

Speaker 2 (42:32):
The other guy I was paying on an hourly, and
I didn't fire him because he was doing things wrong.
I fired him because he was going too slow?

Speaker 1 (42:40):
Okay, how much did you pay that previous guy?

Speaker 2 (42:47):
Maybe a couple thousand?

Speaker 5 (42:50):
How much to fix it? Mark or Josh? How much
to fix it man? To make that deck presentable? How
much will it cost right now?

Speaker 18 (43:00):
Probably to redo there's there's there's several things we need
to redo. We need to redoce, some steps, some facia,
we need to redo, some concrete. I think about probably
about five thousand. Basically pick up where he left off
or where he started is what he's done.

Speaker 5 (43:23):
So, now let's put this all together. If she paid
him forty four hundred and it's going to take about
five grand to make it right, let's just call that
ten grand. Then she played the previous guy a couple grand.
That'll put her totally into this deck. Let's say for
twelve grand. Is that going to be a ridiculous price,
Mark and Josh that she had to pay because of him,

(43:46):
or is it going to be right in the ballpark.

Speaker 7 (43:50):
I think it's in the ballpark. I mean she paid,
she supplied all the material because you know, oh my gosh,
and so none of this includes material, all labor numbers
and this, oh my goodness, the same thing. Ours would
be districtly labor. If some materials ruins move more as
we purchased, i'd be extra.

Speaker 5 (44:09):
But yeah, so basically she paid him forty four hundred
and that's basically just labor.

Speaker 1 (44:19):
Did she get at least yeah?

Speaker 5 (44:22):
Did she get forty four hundred dollars worth of labor
in what you saw?

Speaker 8 (44:26):
Josh?

Speaker 18 (44:29):
Yeah, I think she got probably about forty four hundred
dollars worth labor. But now Christy called it as it is,
it would be okay.

Speaker 5 (44:37):
Okay, So if they walked away from each other right now,
it would be okay. But Christy, did you say he
is trying to get another ten thousand from you?

Speaker 2 (44:47):
Danny filed the lian for fifteen thousand, six hundred dollars
that he's trying to get.

Speaker 1 (44:54):
He already filed the lean against you. That's why that's
kind of good news though.

Speaker 6 (44:58):
I mean, basically, she's gonna her time in front of
a judge and along with some expert witnesses.

Speaker 2 (45:04):
You should win this fo the Lane two days before
Christmas and claimed falsely on the Lane that he provided materials.

Speaker 1 (45:14):
Yeah, he's trying to strong arm you.

Speaker 5 (45:16):
I wonder if Danny'll come back on now that we
got this information, because Danny was adamant we're trying other Yeah, okay,
so let's well.

Speaker 1 (45:25):
Wait a minute, wait wait, I just thought of something.

Speaker 6 (45:27):
So even that extra part that he added on to
from the ground up, you still bought the materials for that.

Speaker 10 (45:36):
Yeah.

Speaker 2 (45:36):
I supplied all of that and it was only a
thirty six square foot section. It wasn't even that big.

Speaker 5 (45:45):
Christy, whatever you do, don't do any more business with
this guy. And I wouldn't pay him another time. He's
trying to collect another ten grand, and our experts are
saying you're lucky if you got five grand out of him.

Speaker 1 (45:58):
I mean, that is terrible.

Speaker 2 (46:00):
It is trying to collect another fifteen thousand and six months.

Speaker 6 (46:04):
You're going to have your time in court, understand he
has Basically I think he's going to have six months
from when he filed the lean all put together because
he already did the ten day and file the lian
to basically bring you to court or at least file
an action, then get in front of a judge, and
then you're both going to be able to tell the judge.

Speaker 1 (46:24):
What's going on.

Speaker 2 (46:26):
I would like to file a dispute to his lane,
which stat highly will shorten his time to thirty days.

Speaker 1 (46:34):
You're going to file a quiet title action. I don't
know how that. I don't know how that would work.

Speaker 6 (46:39):
If I think it worked there, if he never worked
there and you never met the guy or something, I
might agree with you, but that something transpired.

Speaker 5 (46:49):
It sounds like she researched it. Christy, did you research
disputing this lean?

Speaker 13 (46:54):
Yes?

Speaker 2 (46:55):
I did, and it shortens their six month period to
thirty days.

Speaker 1 (46:59):
Let's get Brad.

Speaker 6 (47:00):
I don't like that advice we're given out there. I
don't know if it's work. We're not giving it out.
This is what she's saying. She found Chrissy, what did
it say you? What did it say you had to
do to dispute this lean? Because I had not heard
of that before.

Speaker 2 (47:14):
Go ahead that I write at a formal dispute. And
then after I do that, I have to serve him
certified mail with the dispute and record it publicly with
the clerk and recorder so that it is recorded with
the recorded lian.

Speaker 1 (47:31):
Now, once it's and once it's recorded, then what happens.

Speaker 2 (47:35):
It shortens his time to take me to court from
six months.

Speaker 1 (47:39):
To thirty days. But then you still have to fight
it in court.

Speaker 2 (47:44):
Yes, and that's the part I'm concerned about. It goes
to district court, and I'm not familiar with district judges.

Speaker 5 (47:50):
All right, now, Mark, as you said, we should get
Brad O'Brien on to discuss this. I had not heard
about disputing this and speeding up the time. I've actually
not heard that before.

Speaker 1 (48:00):
I don't know why everybody wouldn't do that then.

Speaker 5 (48:03):
I mean, if they're sitting in the driver's seat with
information and they're confident about it, I agree. More coming
up three oh three seven one three talks seven one
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Speaker 1 (48:17):
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Speaker 1 (48:29):
That's three oh three nine nine six nine thousand.

Speaker 5 (48:37):
Go with a sure thing Denver's Best roofer Excel Roofing
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Time for an insurance checkup free, no obligation. In comparison,
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of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(48:59):
when you choose frame Duran the real estate man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hi Tom Martino
here three all three seven one three talk seven one
three eight two five five Donna, Welcome to the show.

Speaker 1 (49:16):
What's going on with you?

Speaker 10 (49:17):
Donna?

Speaker 1 (49:17):
How can we help you?

Speaker 19 (49:20):
It's not so much new, it's someone else that I
met needs some help.

Speaker 1 (49:26):
Yeah, what kind of help.

Speaker 19 (49:29):
Well, she's a young girl, married and she found out
her husband met her he was gay, and she has
a little five year old boy, no credit and no car,
but she does have a job. I was hoping if
somebody had a fair vehicle that they weren't using, that

(49:51):
they would consider donating it to her.

Speaker 1 (49:56):
Okay, so she has one child, Yeah, a little five.

Speaker 19 (50:00):
Year old boy, cute as a bar.

Speaker 1 (50:01):
Okay, where does she live?

Speaker 19 (50:04):
She lives in Aurora, way down Quincy towards me.

Speaker 1 (50:09):
I guess what I meant is she does have a home, right, Yes, she.

Speaker 19 (50:13):
Has an apartment, but she can't pay her rent either.

Speaker 1 (50:16):
Well, that's where it gets weird.

Speaker 5 (50:18):
Okay, she has an apartment. She's working, you say, yes.

Speaker 19 (50:23):
But she hasn't worked in a month because she has
no vehicle. The husband and she had a truck, and
he went and took the.

Speaker 2 (50:32):
Chalk and left her.

Speaker 1 (50:34):
But wait a minute, is he helping with the child
with support, with anything?

Speaker 2 (50:39):
No, it's not his child.

Speaker 5 (50:42):
Oh god, So what about the father of the child?
Is the father of the child paying support?

Speaker 19 (50:50):
No, he totally abandoned her and the child.

Speaker 1 (50:54):
And where is he? I mean, it doesn't matter if
he abandon them, he still has to pay. Where is he?

Speaker 19 (50:59):
I don't know. I can't miss her.

Speaker 1 (51:03):
So she's really good. She's going to be a victed
soon then, right, how do you know her?

Speaker 19 (51:10):
I met her at the cheesecake factory with her husband.
Several months ago, and we befriended one another, and we said,
you were going to go to lunch one day and
let and behold, she called me up and she was
in this dilemma.

Speaker 6 (51:26):
I wonder just the one thing Colorado does pretty well.
I can't believe I'm even saying this, but the city
transportation isn't bad. If you're like in Aurora or Denver,
there's buses everywhere, there's light rail, and basically if you
don't make enough money, I'm pretty sure it's all free.

Speaker 2 (51:46):
Well I don't know about that, but.

Speaker 19 (51:52):
She just was looking for a car so she can
go to work. She can't pay her rent. She's just
in a very bad situation. And I called Salvation Army and.

Speaker 1 (52:11):
How is she going to pay a rent? Let's just
get right down. How is she going to pay a rent?

Speaker 19 (52:16):
Well, she has a job, but she can't go to
the job without without a vehicle. And I believe the
job is cleaning people of houses, and that's one of
her jobs.

Speaker 1 (52:30):
Oh man, this is terrible.

Speaker 5 (52:34):
Look at if we can put the word out, We
can put the word out and see if anyone has
a car. You know, she'd have to ensure it and
get plates and all of that. I don't know if
she has the money to do that. Does she have
any help whatsoever? Is she on food stamps or anything.

Speaker 19 (52:56):
Now, she was working and her husband was working, and
they both worked opposite shift to take care of the
little boy.

Speaker 12 (53:05):
Yeah, wash, and then what she just came home and
he left and he told.

Speaker 19 (53:11):
Her he was gay and he left her for another
man who was married and he had children.

Speaker 5 (53:17):
So was she blindsided by this or did she have
suspicions that the marriage was in trouble?

Speaker 19 (53:24):
No, absolutely blindsided. She had no idea he was gay, none.

Speaker 1 (53:30):
Or no idea that he was unfaithful.

Speaker 5 (53:33):
I mean, in other words, the marriage it was just
oh man, this is a sad story, it really is.
I don't know what we can do except put the
word out. I mean, please, if anyone has a car,
I'll let us go.

Speaker 13 (53:50):
And put the word out.

Speaker 19 (53:52):
And I've got her name and phone number and.

Speaker 5 (53:56):
Yeah, well we don't want to give that out. We'll
take that internally here and figure it out. But people,
if you can help this mom who is blindsided. Husband left. Now,
when he was with her, how long were they together?

Speaker 2 (54:15):
I think.

Speaker 19 (54:17):
Six months? They had been married six months.

Speaker 1 (54:20):
Oh so they were only together six months.

Speaker 19 (54:24):
That's what I remember of her story. I could be
inaccurate about that.

Speaker 5 (54:28):
It wasn't.

Speaker 19 (54:29):
I'm not him he at the cheesecake factory apartment, is mom?
I'm not in very briefly. And she has no family,
no help, and you were who has thought of to
make perhaps?

Speaker 8 (54:45):
Well?

Speaker 1 (54:45):
No, we will, we will try to find something. Where
is she from? Where's her family from?

Speaker 19 (54:53):
Washington State?

Speaker 1 (54:56):
Has she ever thought about going back to be near
family that could help?

Speaker 19 (55:01):
I ask for that? And her family does not want
to help her.

Speaker 5 (55:07):
Oh man, This poor little boy, five year old boy,
and she's worked.

Speaker 19 (55:13):
I mean, he's adorable, he's asamable.

Speaker 5 (55:18):
Hey, whether he's adorable or not, I mean, we got
a five year old little boy that needs to be
taken care of, and we need and the mom. The
mom is working, having trouble. She can't get to the
jobs because of a lack of transportation. She's looking for
a car. She has nothing in savings. I mean, this woman,
here's the unfortunate thing. She could end up homeless really soon.

(55:39):
Is she behind on her rent right now?

Speaker 1 (55:42):
Yeah? Oh my god? How far behind on her rent?

Speaker 5 (55:47):
Is she?

Speaker 19 (55:50):
The fifteen hundred dollars.

Speaker 1 (55:54):
And is that for what for January?

Speaker 3 (55:58):
Oh?

Speaker 19 (56:00):
Yes, I believe so, and I think the rent was
even more than that. She must I think her rent
is twenty three hundred dollars. But she came up with
some money and between a rock and a hard spot.

Speaker 5 (56:16):
I mean, Donna, think about it, she owes fifteen hundred
for this month. In another three weeks, she's got another
twenty three hundred dollars to come up with. She doesn't
have a car. She's I mean, I don't even know
what the hell can be done to help her.

Speaker 1 (56:33):
I don't.

Speaker 5 (56:34):
I mean, even if somebody donated a car. I mean,
she's she's in danger of being evicted.

Speaker 19 (56:41):
I realize that. That's why I called you.

Speaker 1 (56:43):
How close are you to her right now?

Speaker 19 (56:45):
I mean, I don't know her that well, to be honest.

Speaker 5 (56:51):
You're very kind, Donna, You're very kind to try to
help her. I'm just trying to come up with something
on the fly. Here she is, but between a rock
and a hard place. I mean, what I see is
she's going to be evicted. I mean, have they told
her she's going to be evicted? Has she gotten any warnings.

Speaker 19 (57:11):
She was told? She has to come up with fifteen
hundred dollars today or she will be a victor.

Speaker 1 (57:20):
Oh my god, So what is she going to do?

Speaker 5 (57:27):
She is just.

Speaker 19 (57:28):
Struggling, and she she has no credit. And she went
to a car a friend of somebody she knew. She
took her to a car place, but they won't give
her a let her buy a car without history of credit.

Speaker 2 (57:47):
She has absolutely no credit.

Speaker 5 (57:51):
Well, she doesn't have money for insurance or anything. She
doesn't even have money for gas. She needs to get
food stamps or something for this little boy. I mean,
she's got to start. Is she doing anything to help herself?

Speaker 6 (58:07):
Yes, she's.

Speaker 19 (58:10):
Trying to do what she can do to get a car,
and so far she's hitting against the brick wall.

Speaker 1 (58:17):
How long ago did this guy leave?

Speaker 19 (58:21):
You know, I'm not too sure about that.

Speaker 1 (58:23):
Is there a way we can talk to her directly?

Speaker 19 (58:27):
Yes, I can give you her phone number off air.

Speaker 1 (58:31):
Well, would she be willing to talk to us? Yes?

Speaker 19 (58:34):
I told her to call you, and she kept calling you,
but it was busy signal.

Speaker 1 (58:38):
All right. I'm not saying we can help.

Speaker 5 (58:40):
I don't know what we can do, but maybe talking
directly to her we can get more of an idea
of what she's done and where she's been and maybe
something we can do. So hold on, all right, Kitchina,
Let's see if we can get this woman on again.
I don't want to make any promises to her, but
maybe someone out there is listening and saying, you know what,

(59:01):
now's my time.

Speaker 1 (59:02):
To help, and they can come up with something.

Speaker 5 (59:05):
Three O three seven one three talks seven one three
eight two five five.

Speaker 1 (59:09):
We got more coming right up.

Speaker 5 (59:16):
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,
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of insurance companies find out now three all three seven
seven one help. You'll think you're his only customer when

(59:38):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance.

Speaker 1 (59:43):
Three oh three nine two zero sixteen twenty two.

Speaker 5 (59:49):
Hi Tom Martino here, Welcome to the show. Three oh
three seven one three talks seven one three A two
five five, mRNA, what's happening?

Speaker 1 (59:58):
What's going on?

Speaker 5 (59:59):
Murna? Well?

Speaker 20 (01:00:01):
I called to just encourage everybody I know to use
if they have furniture that needs repair, to call the
furniture doctor.

Speaker 1 (01:00:11):
Oh he's awesome. He's been in my house. Yeah, he's
a great guy.

Speaker 20 (01:00:17):
I'm telling you. Monday, I thought about I put this off.
I need to have it done. I just went to
the phone directory. It said he'd been in business thirty
five years. I thought that sounds good, and I called
him today. My chair is fixed today.

Speaker 1 (01:00:37):
Now what did you have him do? What exactly was
wrong with the chair?

Speaker 20 (01:00:42):
My chair, it's a leather chair. I've had it for
I'll shoot probably thirty years.

Speaker 2 (01:00:47):
It rock swivels.

Speaker 20 (01:00:49):
It's a contemporary chair, and it was swiveling. It wouldn't
stay in one place. And I love to have my
furniture kind of like mind up. And so I call
him and I tell him what's happening. He said, I'll
come and.

Speaker 8 (01:01:06):
Look at it. He came the next.

Speaker 20 (01:01:08):
Day, which was yesterday.

Speaker 19 (01:01:11):
He looked at it.

Speaker 20 (01:01:12):
He said, I think I can order this part. I'll
call you when it's in. It was in this morning.

Speaker 1 (01:01:18):
He just oh my goodness, Oh my goodness.

Speaker 4 (01:01:21):
You know Tom.

Speaker 6 (01:01:23):
He actually did some work in my RV on some
of our what is it a Amish cabinets, you know,
these handmade cabins. He came in where one of our
dogs kind of got a little thought it was a toy,
I guess, and made it look perfect.

Speaker 5 (01:01:40):
Yeah. Yeah, he does a lot of you know, I
was surprised when you said he worked on the mechanical
end of that swivel rock chair. But yeah, he can
do all things, including recliners and stuff.

Speaker 1 (01:01:52):
Mark his name is it all legg That's it it is. Yeah.

Speaker 5 (01:01:57):
And and he also does his mark pointed out cosmetic repairs.

Speaker 1 (01:02:02):
And he's magic, I mean on some of the stuff.
He's magic.

Speaker 5 (01:02:06):
How he patches things, it's amazing. I believe he did
a patch on one of our wood panels on a refrigerator.

Speaker 1 (01:02:14):
Yeah.

Speaker 5 (01:02:14):
Well, Murna, thank you very much. We love hearing good
things from our people at study.

Speaker 1 (01:02:21):
I pulled his number up anybody out there.

Speaker 6 (01:02:23):
I mean, it doesn't matter mechanical, if you have ripped leather,
if he had like a beautiful hutch, a dog out
a hold of this guy.

Speaker 1 (01:02:30):
He's unbelievable and his pricing is unbelievable.

Speaker 6 (01:02:33):
Three oh three eight eight five two two one zero
three oh three eight eight five two two one zero.

Speaker 1 (01:02:39):
You can always find him at referralis dot com.

Speaker 5 (01:02:43):
Yeah, now, get your calls in now for the first
time this morning, weaving from the lines open, Let's start
off this year the right way by solving your problems
or at least giving you a direction to go. It's
good to have people weigh in on your problem. Even
as I said, if there may be an easy solution,
maybe we have to call and intervene for you. And

(01:03:05):
we do get results when our show calls. When we
have our deputies call, people get results. So you can
call three ozho three Martino right now we're on the air,
and it'll come right through whenever we're on the air.
But you don't even have to think about it. If
you just call three oh three Martino or three oh
three six two seven, eight four sixty six. What happens
is when it's on the air, it comes through to

(01:03:27):
our studio. If not, it'll go to our voicemail or
our office and we'll line you up for the next show.

Speaker 1 (01:03:34):
And that's how it works. Three oh three seven one
three eight two five five.

Speaker 5 (01:03:39):
The lowest prices on furnaces right now renew Home Innovations
dot com. They say, if you need a furnace, Barnunn,
put them to the challenge. They will beat any price
and give you the lowest absolute price for a replacement
furnace three oh three nine zero four two thousand. Go

(01:04:04):
with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer

(01:04:25):
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 13 (01:04:37):
Page.

Speaker 5 (01:04:38):
Tom Martino here, Welcome to the show. Three O three
seven one three eight two five five h Rick, Welcome
to the show. I'm hoping we can help you. These
are really difficult problems. What's going on?

Speaker 1 (01:04:51):
Rick?

Speaker 10 (01:04:52):
I'm sorry to ask people for help. Unfortunately I needed
I am seventy two years old, now one hundred percent disabled,
debt ben, a first responder and a teacher, just to
give you a little bit about my background.

Speaker 1 (01:05:08):
Yeah, how did you become How did you become disabled? Rick?
Are you disabled as a result of your service?

Speaker 10 (01:05:14):
That's yes, yes, veterans via their Okay, and you know
that the two places on me, or at least the
two that are the worst problems where I kneeds my back.
I've seen the X rays, MRIs cats and everything. My
back is shot. I don't have anything there to help

(01:05:34):
me when I fall down, I can't get up.

Speaker 1 (01:05:38):
I have no are you are you on? So tell
me what what income do you have right now? Basically?
What's going on?

Speaker 10 (01:05:47):
Okay?

Speaker 5 (01:05:48):
Well?

Speaker 10 (01:05:48):
Do I have a veterans beit's and a small amount
for Social Security? And it's taken up for all the
necessary things just survived.

Speaker 5 (01:05:59):
You know when you say on you're on social Security
plus benefits from so how much do you get from each?

Speaker 1 (01:06:05):
I'm just trying to get a picture.

Speaker 10 (01:06:06):
Here, Okay. Social Security is around nine hundred uh huh,
which I call it VA MAT's around about I think
what thirty five I have to it's devil check the figures.
I think they've changed this year, but I think it's

(01:06:27):
around thirty five that I get three thy.

Speaker 5 (01:06:31):
Five hundred so you get every month, you get about
four four hundred bucks.

Speaker 1 (01:06:37):
Yes, and you're saying, and you can't make that work.

Speaker 10 (01:06:43):
I've had to pay my own rent where I'm at.
Everything there, I've had to pay. You know, it's taken
for all the stuff that you just have to survive on.
So I've not had money leftover to do, you know,
other things, to save up and be able to you know,
even take a trip, you know, or I live unfortunately.

Speaker 1 (01:07:07):
Well, okay, but you do have enough.

Speaker 5 (01:07:10):
You do have a month for your rent and basic
food right now, right, I mean with a and I'm
not listening, I'm not making it sound like you're rolling
in money, but but forty four hundred bucks a month
is better than a lot of people are.

Speaker 1 (01:07:23):
Doing right now.

Speaker 5 (01:07:24):
I mean, I'm not again, I'm not trying to diss
you at all. That's fifty two eight hundred bucks a year.

Speaker 10 (01:07:31):
I'm also right now where I'm at a assistant living place,
which my money is taken up by that.

Speaker 1 (01:07:40):
Where I have Wait, wait a minute, do they charge
you the whole amount, virtually the whole amount? Yes, what you're.

Speaker 5 (01:07:48):
Paying every penny you have in your assisted living Holy crap,
So you're paying forty four hundred dollars a month.

Speaker 10 (01:07:59):
I've just moved in here, this all has happened.

Speaker 5 (01:08:01):
How much are you paying? How much you're paying a month?
I'm trying to come up with a budget here.

Speaker 10 (01:08:09):
Okay, the eland that I remember, it was about forty
five hundred that I had to pay them last month
to you know, get started here to the down pair.

Speaker 5 (01:08:21):
What will your what will your regular I'm sorry to
have to be so mundane about this, but what is
your regular rent going to be? At the assisted living facility?
And by the way, I respect you, I thank you
for your service and all of that. I don't want
you to take this as anything but trying to find
the best solution. So how much will your regular monthly

(01:08:44):
rent be there?

Speaker 10 (01:08:46):
Okay, I don't have that memorize right now. I don't
mind sharing this with you. I don't know this for
you off the top of my all.

Speaker 5 (01:08:55):
Right, then, here's what you need to do, and we're
gonna look for We're gonna look for help. Okay, We're
gonna figure out what's out there. I need to know
your literal monthly benefits, not benefits, your monthly expenses, because
we're running out of time right now, Kitschina give him
my private email that he can send this information.

Speaker 1 (01:09:15):
I want his monthly payments.

Speaker 5 (01:09:17):
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,
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

(01:09:38):
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 19 (01:09:52):
Rip so you don't have.

Speaker 1 (01:10:00):
Run in just as we can shoot is gonna help?

Speaker 20 (01:10:05):
Come?

Speaker 3 (01:10:06):
Man Dix is the Troubleshooter Show. No Tom Martino.

Speaker 5 (01:10:12):
Hey, I'm Tom Martino, and I welcome you to the
only show of its kind anywhere in the universe where
you can solve problems. Here we have a staff ready,
willing and able to go to work for you and
to help you any way we can.

Speaker 1 (01:10:26):
So get your calls in. We've had a very busy morning.

Speaker 5 (01:10:29):
And we welcome your calls this hour brought to you
by KH Home Solutions, windows, siding, doors and more. KH
has what you're looking for, quality, beautiful products, a sixty
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(01:10:50):
as well. KH Windows dot Com. John Fuller is with
US Fuller Law. He's a personal injury attorney. We can
talk about some legal stuff here, and I do have
some stuff here.

Speaker 1 (01:11:00):
I want to ask them about that.

Speaker 6 (01:11:02):
Yeah, the scooter, John, This lady got him by a kid,
a twelve year old on one of these electric scooters,
not the kind you sit down on, you know, like
the kind you rent downtown. Cost about three four thousand
dollars damage to her car. I was doing a little
research during the call. I didn't realize most homeowner homeowners'

(01:11:23):
policies exclude anything motorized, and of course your car insurance
won't go over to it. So basically, and tell me
if I'm missing something. If you get hit by a
kid on the scooter, unless if their parents actually have
some money, there's nothing to go after insurance wise.

Speaker 17 (01:11:42):
Yeah, that may be the case. You know, it's all
going to depend on the policies of stuff. I mean,
I haven't dealt with that exact issue, but if there's
an exclusion for anything motorized, you know like that, yeah,
then yeah, you're not going to get a payout. That
doesn't mean the parents wouldn't be responsible, but you just
have to go through the whole collection process, which means
you're really going to be looking at your own insurance company.

Speaker 6 (01:12:04):
And that's you know, Tom, I know your area, you
don't see this a lot because you're kind of in
your own little bubble there. But if you go to
Castle Rock downtown or Denver, there's like packs of kids
like no, I know, it's fifteen old kids on electric
bikes and electric.

Speaker 1 (01:12:21):
Scooters like like gangs. And I mean there must be
accidents all the time. Mark.

Speaker 5 (01:12:27):
I've noticed, like at a red light, you know, or
at a stop sign, you have kids literally kids, but
they're on full fledge.

Speaker 1 (01:12:36):
You know.

Speaker 5 (01:12:36):
They're not a motorcycle, they're motor bikes. They're bike electric bikes.
But I swear to God, I mean they're on the road.
They're on the road.

Speaker 17 (01:12:45):
The other thing is that a lot of people don't
know about is you know, these e bikes are only
able to go up to a certain speed. But you
can buy an aftermarket chip and like the super charge
these e bikes to where they'll do thirty thirty five
miles an hour. And I mean that's on a bicycle.

Speaker 6 (01:13:04):
So if they run like a red light, like if
one of these kids runs a red light and you
end up hitting them and killing them, I mean basically,
you know, and let's say it's all on video and everything.
I mean, you're not at fault, right, I mean, it's
just like any other accident.

Speaker 1 (01:13:18):
It's like any other accident.

Speaker 5 (01:13:20):
Yeah, except except that most of these kids don't have insurance.

Speaker 1 (01:13:25):
So they're riding around.

Speaker 5 (01:13:26):
Full fledged motor vehicles on the public highways without insurances.

Speaker 1 (01:13:31):
Is crazy, right, just like forty percent of people in cars.

Speaker 17 (01:13:34):
Yeah, what else, isn't it?

Speaker 3 (01:13:36):
You know?

Speaker 5 (01:13:37):
And I'm telling you there is a Is there any
responsibility now now we're talking about privately owned e bikes
of course. Now let's go to the ones that you
rent with an Appah, does.

Speaker 1 (01:13:47):
The app come?

Speaker 5 (01:13:49):
Do they have any responsibility because they are simply leaving
these things out there for anyone to rent.

Speaker 17 (01:13:57):
In my opinion, no, why they make it so impossible
to come after them? Those companies are mired in sixteen
different layers of LLCs and partnerships and overseas corporations, and
you're just never going to get to the route where
there's any money there as an injured party. You're just

(01:14:19):
not going to do it. The other thing is they
make people sign the most onerous waivers that you can imagine,
so that they're completely assuming the responsibility for not only
hurting themselves, but any damage that they might do to
somebody else. The good news is, I do think if
you have a car and you're renting one of those scooters,
you probably would have some liability coverage under your policy.

(01:14:43):
I haven't had that case. I don't do work on
the defense side, but it's if it's a motor vehicle,
which I think you could make the case that it is.
It'd be just the same analysis as if you were
renting a car and got into an accident that you
caused as.

Speaker 1 (01:14:56):
Well, you know, and somebody just sure heavy as hell.

Speaker 6 (01:15:00):
I mean literally, if you're going top speed downtown and
hit a six seven year old or even a ten
year old, it's a good chance you'd kill them.

Speaker 5 (01:15:07):
Yeah, you take it now, didn't I read where Denver
is now a clamping down on them.

Speaker 1 (01:15:13):
Didn't they didn't I read homeless and illegals. Yeah.

Speaker 5 (01:15:17):
Well, in other words, right now, though you see these
things on every street corner that people can rent, and
again it's the uninsured thing. I think they should be
mandatory insurance on the app that when you rent it,
you're being insured for the time you rent it, because
people right now are going to be damaged and John,

(01:15:39):
you're not going to have anyone to go after.

Speaker 17 (01:15:42):
Yeah, that's that's about now. But you know, it's just like,
I mean, think about every time you take an uber
right now, they're giving you a receipt that shows, oh,
the driver made this, and then we spent X number
of dollars on insurance due to the trial lawyers in
Colorado or sing like that, and you know, but the
reality is, you know, and even though that may be true,

(01:16:03):
the alternative is what we had for the first few
years before they mandated that insurance, which was someunbact that
you had Thunderdome, You had no coverage. You had people
out there bootlegging, you know, on their private insurance and
they'd always find a way to not pay because they
were using it commercially and it was just terrible and
so all some regulation is absolutely necessary.

Speaker 1 (01:16:24):
All right, now, let's talk about this caller.

Speaker 5 (01:16:29):
He wants to talk about a dentist. George, welcome, what's
going on with you?

Speaker 1 (01:16:34):
George? Hi?

Speaker 21 (01:16:36):
Tom, Yeah, my name is George. And I had spoke
with John Puller last about a dental issue I had.

Speaker 1 (01:16:44):
What is the issue?

Speaker 8 (01:16:46):
So?

Speaker 21 (01:16:47):
I had went to a buffet and that slice turkey.
I bit down on a piece of the turkey and
unexpectedly there was a bone in it and it hurt
one of my teeth. And this was a year ago.
Uh So I reported to them immediately and they said

(01:17:08):
to go see my dentist, and I did, and they
send me to a specialist who did what they call
a three deep exam, and they said, well, we don't
see anything really except for you know, pretty soon you
may need a root canal. So I ended up I

(01:17:28):
ended up leaving it go for a little while because
it didn't really it bothered me. But you know, once
two doctors tell you are two dentists tell you it's okay,
you figure, all right, I guess it'll be just fine.
But a year later it still was bothered me. I
went back to the same two dentists and they said, oh, well,

(01:17:48):
we did another three sixteen. It looks like you have
a crack tooth and you're going to need to get
that extracted.

Speaker 1 (01:17:56):
So the original X ray didn't show the crack though, No, I.

Speaker 21 (01:18:01):
Did not show the crack. It has a crown on it,
so it's very difficult to see. And they said that.
They said, even now with the three sixty, it's their best.

Speaker 1 (01:18:11):
So how much how much out of pocket are you
going to be? Yeah, what's what's the bottom line?

Speaker 17 (01:18:15):
There's more to the story, though, guys. Let George finish
down it. George, you had some interaction to people acknowledge
the bone in the turkey and they took a responsibility
for it. Tell the audience about how that went down.

Speaker 8 (01:18:28):
So they did.

Speaker 21 (01:18:29):
They did acknowledge it, like you said. And uh so
they paid for the my dentist and they paid for
the X rays. But they also had me sign a
release saying okay, well, if anything happens down the road,
you know, you're on your own for this, you know.

Speaker 1 (01:18:44):
And again, and that's where they're hanging their hat now,
you bet.

Speaker 17 (01:18:49):
So I asked George to call the show today, because
I think it's a valuable lesson that you know, these
these releases and these waivers and these things that we
all sign without without even read sometime actually have legal ramifications.
And so in George's case, before he actually knew about
the severity of the damage, because it took a year
before it actually presented it right, they had prepared, their

(01:19:12):
lawyers had prepared to release very comprehensive release, and they
paid for his meds and I think they paid a
little extra for his inconvenience and stuff. But George signed
that only to find out later that his damages were worse.
And the question that he posed to me was, can
we go back to them now that we know it's worse, right,

(01:19:33):
And so the lesson was that these things, you know,
the benefit of a release to both sides really his finality.
And so the lesson here is that if you're not
sure you're you're.

Speaker 1 (01:19:46):
Assuming that risk.

Speaker 17 (01:19:47):
And that's part of what you do when you sign
a release, is you're assuming the risk that you're wrong,
and they're assuming the risk that you're You know that
you're right and that your damages are what they are,
but that's always going to be the case always the case,
but both.

Speaker 6 (01:20:00):
Times you work for us. Both times, when it was
all said and done, we signed a release.

Speaker 13 (01:20:05):
That was it right?

Speaker 17 (01:20:07):
Yeah, And so you know, I invited George to call
the show today to just, you know, kind of explain
that that, you know, these are the kind of things
that before you sign a release, you may want to
pick up the phone and call somebody like me.

Speaker 1 (01:20:20):
I don't really do you know, foreign objects.

Speaker 17 (01:20:23):
In food, but I can certainly explain to George had
he called at the time, that you need to make
sure that you're comfortable with this because you won't be
able to revisit it down the road if something turns
out being different. And so that was really the lesson.
You know, the lesson here is that it is a
good lesson. These things do have teeth and they will
be enforced.

Speaker 1 (01:20:41):
Wow. So so you know, once you make that choice
and you sign your signing away, So what do people
do in that case?

Speaker 4 (01:20:50):
Do they wait?

Speaker 17 (01:20:52):
Well, that's that's one of your options. You just have
to you know, listen. And there's nothing in life that's certain.
But every time we do a settlement, that's the reason
they have statutes of limitations. There has to be some
finality at some point, and so we all take the
risk of being wrong. Is a condition going to require
surgery at five years or ten years down the road, maybe,
but you have to be sure that what you're receiving

(01:21:15):
today in compensation is you know, taking that into account,
or you may be wrong and there may be no
recovery for that down the road. But the alternative is
that they don't acknowledge it at all right now, and
then there's still no recovery down the road. So it's
just a matter of being as informed as you possibly
can enter into an arrangement like that.

Speaker 6 (01:21:36):
You know, it was kind of good though, that they
actually stood up and paid for anything or a parent damage.

Speaker 1 (01:21:41):
We had one. Do you remember the red Robin one?

Speaker 4 (01:21:44):
Tom?

Speaker 5 (01:21:45):
Oh? No, what is it?

Speaker 1 (01:21:46):
Mark?

Speaker 6 (01:21:47):
I don't remember that bit into a hamburger? S? Yeah, yeah,
there was something in the hamburger in why the tooth?
They decided they weren't going to do anything because how
did they prove something was in the hamberg which is
an argument, but the hell makes up something like that.
I'm sure it does happen, though I literally walk them

(01:22:07):
through logistically small claims court. They served him right there
in the restaurant. I think it was a winning castle
Rock and Corporate wrote him a check for the dental
work for eighteen hundred bucks, but they had to literally
sue him to get the eighteen one bucks.

Speaker 17 (01:22:21):
And sometimes you have to do that. But the point
is that if George you know now, decided to go
and do that, they would simply follow a motion to dismiss,
and it would be dismissed because the case is over
and he has fully and finally resolved that dispute with
them when he signed that original release.

Speaker 1 (01:22:38):
Yeah, all right, we got it. More coming up.

Speaker 5 (01:22:40):
We got to take this break trail three seven to
one three talks seven one three eight two five five
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 insurance check up free,

(01:23:02):
no obligation. In comparison, call Compass Insurance. Pay too much
your coverage at dozens of insurance companies find out now
three oh three, seven seven to one.

Speaker 1 (01:23:10):
Help.

Speaker 5 (01:23:11):
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. Hey Tom Martino, you're troubleshooter three O
three seven one three talks seven one three eight two

(01:23:32):
five five. What's going on in your life? Let's talk
to George. George, what's happening with you?

Speaker 1 (01:23:39):
What's going on? George?

Speaker 8 (01:23:42):
Well, it's kind of a long story, but all right.
What happened was we we booked a cruise with Holland
America back in March.

Speaker 1 (01:23:53):
Holland America, okay, all.

Speaker 8 (01:23:55):
Right, and we flew down to Florida, and I have
some tubes that come out of my kidneys because well
it's a medical problem. Anyway, when we got down there,
my tubes were all clogged up, and so we went
we went to the hospital in Florida and they admitted

(01:24:18):
us and said, you know, we're going to have to
figure out what's going on. So in the meantime, my
wife called Hall in America and let them know that
we weren't going to be able to make the cruise. Yeah,
So Saturday, Saturday, I spent all afternoon and then part

(01:24:38):
of Sunday into like the afternoon there and they I
had a urinary tract infection.

Speaker 1 (01:24:48):
Terrible.

Speaker 8 (01:24:49):
They treated with an antibiotics and anyway, they said, you know,
I was fine to go, but by that time it
was you know, I before we did that, I said, well,
is there any chance that we can still get on
this boat? And the doctors there and the doctors back
here in Denver said there's no way you should get

(01:25:11):
on a boat and go out in the middle of
the ocean until we figure out what's going on. So
we had to cancel. We flew them back here.

Speaker 5 (01:25:22):
Okay, now hold on, I got your story, but I
just have a few clarifying questions. So when you flew
to Florida, When you flew to Florida and you had
to go into the hospital, did your wife call right
when you were admitted into the hospital to cancel?

Speaker 8 (01:25:39):
I don't know about right before, but you know, not
long after.

Speaker 1 (01:25:44):
I I okay, And what did they say.

Speaker 5 (01:25:48):
What did they say when you called to cancel the
cruise the first time?

Speaker 1 (01:25:51):
What did they say?

Speaker 8 (01:25:53):
Well, my wife called and she's not here right now,
but you know they said, I guess they said, okay,
you know we're you will cancel your reservation.

Speaker 5 (01:26:08):
So what do you know what the terms and conditions
are on that what are the terms and conditions of
the cruise? Almost every single time you book a cruise
or a tour or some kind of travel, there are
there are provisions for cancelation. What were what were the

(01:26:28):
normal cancelation provisions.

Speaker 2 (01:26:32):
There?

Speaker 8 (01:26:33):
We should have gotten insurance. We got insurance through the
recit card. Uh, but we did not get the insurance
through the cruise line.

Speaker 6 (01:26:44):
Okay, so yeah, they offer CPP a cruise protection plan
that would have covered them most likely.

Speaker 5 (01:26:51):
So right now, what's going what's the issue today?

Speaker 6 (01:26:55):
Hold on time? He said something else. Did you buy
any kind of insurance?

Speaker 1 (01:27:00):
Something about credit card?

Speaker 5 (01:27:01):
Oh?

Speaker 8 (01:27:01):
Okay, well, well through the visa. The visa had some
kind of canceling.

Speaker 1 (01:27:07):
What kind of visa is it?

Speaker 6 (01:27:08):
What do you mean they had a cancelation though, explain
that a little more your card.

Speaker 8 (01:27:13):
Well, I guess it's kind of if you don't get
the service.

Speaker 1 (01:27:17):
That you were you know, I don't know he's talking
about in normat.

Speaker 4 (01:27:20):
No, they don't.

Speaker 1 (01:27:21):
They don't have cruise insurance. Okay. So here's the bottom line.

Speaker 5 (01:27:25):
You went to Florida, you had to go to the hospital,
you missed the cruise, and you did not have travel insurance.

Speaker 1 (01:27:31):
Therefore, what are you calling about today?

Speaker 8 (01:27:34):
Okay, well, we disputed it through through both Visa, well
VISA and my wife is in contact with it.

Speaker 5 (01:27:43):
But why are you doing I don't understand why are
you just why are you disputing.

Speaker 8 (01:27:48):
It because we couldn't get on the boat.

Speaker 6 (01:27:52):
Yeah, I get, I get, I understand what he's saying.
But that's not a valid reason.

Speaker 5 (01:27:56):
Yeah, but but that's not their fault. You couldn't get
on the boat, right, Usually a disputed charge is for
something that's defective or that that is a fraud.

Speaker 8 (01:28:06):
Right, Yeah, I guess that's the way it.

Speaker 1 (01:28:11):
Did they give you a preliminary credit and then take
it away? Or where is that?

Speaker 8 (01:28:16):
Visa upheld our dispute and said, you know that they
weren't going to pay it, and so we thought, okay,
well it's all over. Then we went ahead and booked
that same cruise for in October, same cruise, and then

(01:28:37):
in you know, we got a letter from VISA in
July thing we're holding your dispute, you know, don't worry
about it.

Speaker 5 (01:28:47):
But George, here's something you need to know. George, here's
something everyone needs to know. I just want to make
this very clear. Visa and MasterCard are not official entities
of government.

Speaker 1 (01:29:00):
They're not a court of law.

Speaker 5 (01:29:02):
Many times people feel when they dispute a charge and
the credit card company issues a credit or refuses to
go through with the charge. When the credit card company
sides with the consumer, many consumers mistakingly believe that the

(01:29:24):
issue is resolved.

Speaker 1 (01:29:26):
And I want to say something very clearly, it's not resolved.

Speaker 5 (01:29:30):
And in fact, the creditor can go directly after the
person who disputed the charge. The credit card agencies, they
have no official standing whatsoever. The only thing they make
a decision on is whether you can use the card

(01:29:51):
or not. If they decide they're not going to let
the charges go through on the card, it does not
relieve anyone of legal responsibilit Okay, keep going, go ahead, Okay,
But then you know.

Speaker 8 (01:30:05):
We thought, okay, we're off the hook. So you're telling
us where we weren't. But then it's right, and we
were thinking that we went ahead and booked the same
trip in October, the same trick with the same car,
you know, paid for it, and yeah, and and went
on that trip, right, And we're trying to explain to

(01:30:29):
the to the cruise line that you know, you guys
the cruise line. You lost two people on the cruise
in March, but then you regained those two people. So
you're not out anything, that's right.

Speaker 1 (01:30:45):
But at this point you're not out anything according to
your story. So where are we at? Though?

Speaker 5 (01:30:50):
Well, no, no, weld on, well, George, before George goes on, George,
you're reasoning, just real quick, you're reasoning they were out too,
because they had two spots on that cruise. They could
not rebook on a short on a short notice. Go ahead, keep.

Speaker 8 (01:31:05):
Going right, Okay, But then we did rebook for in October,
which we never would have done if we thought we
still owed for the first one. We breathed booked before
we got Paul in America to say.

Speaker 17 (01:31:27):
That we owed for the first one.

Speaker 6 (01:31:29):
Georgia credit card company came back and took away the credit.

Speaker 1 (01:31:32):
Right, yes, the first one, right, I get it.

Speaker 16 (01:31:41):
Mark.

Speaker 5 (01:31:41):
So now you're looking at being charged for two cruises,
one you couldn't take and one you you wanted to take.

Speaker 8 (01:31:48):
Right and and the second cruise that we did end
up taking is a friend of ours went on that
cruise with us, so we they lost two bookings on
the first cruise but they made it up with a
third Yeah.

Speaker 5 (01:32:07):
Okay, George, George, George, that reasoning doesn't work. Okay, there's
a limited number of bookings on every cruise. The first
time you canceled, the first time you canceled, they lost
two bookings. They lost two bookings. The fact that you
took four bookings on the next cruise, it doesn't matter,

(01:32:32):
three four, five, it doesn't matter. It doesn't make up
for the two that you canceled at the last minute.
Your reasoning doesn't hold up because if you didn't take
those someone else would have taken them. It's not like
you are saying to them, here, here's extra money to
make up for our cancelation. No matter how you look

(01:32:54):
at it, George, you're subject to the terms and conditions
of cancelation. And if they had no cancelation policy within
a certain number of hours and you you know, And
the fact is that's what travel insurance is for. It's
for people who get sick or hospitalized. How much did

(01:33:14):
that I'm curious about something, George. I know you didn't
call just to be told that you're wrong. How much
money are we talking about here?

Speaker 8 (01:33:23):
They're trying to collect fifty two hundred dollars.

Speaker 1 (01:33:26):
Oh my gosh, Okay, hold on, we got to take
a break. We got to take a break. We got
to take a break. Attempting to collect though, what he
means is it's on his credit card. That's what he means.

Speaker 5 (01:33:40):
We'll talk about this though, and maybe some some things
you might try right after this. Go with a sure
thing Denver's Best roofer Excel Roofing dot com.

Speaker 4 (01:33:54):
You don't pay a cent until you're content wait on
top of it.

Speaker 5 (01:34:00):
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 oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hey, I'm

(01:34:23):
Tom Martino, your troubleshooter three O three seven one three
talks seven one three eight two five five.

Speaker 1 (01:34:29):
So here's the bottom line, George.

Speaker 5 (01:34:32):
Even though you were charged and they're charging you full
tilt for this, you can appeal to them and at
times for hardship. There have been times where the cruise
lines in the past have granted people grace.

Speaker 1 (01:34:47):
They don't have to, but they could.

Speaker 5 (01:34:50):
Where you're getting off base here is disputing it because
you have no legit reason to dispute it.

Speaker 1 (01:34:58):
So right now, where where is that bill? Is it
a balance on your credit card? Nor?

Speaker 8 (01:35:05):
Right now? It's just a bill with all in America? Okay, okay,
letter and said, if we don't pay, they're going to
report us to a credit company. But can I just
I mean, go ahead. Our appeal to them is, you know,

(01:35:27):
we understand we didn't get the insurance. I could have
died or had to been many backed off the boat.
Or that's right if I would have gotten on that boat,
like I said the doctors.

Speaker 5 (01:35:44):
George, no one's dispute George, I don't think anyone disputes that.
See a lot of times, a lot of times consumers
feel if they have a good reason, they.

Speaker 1 (01:35:53):
Can get an exception.

Speaker 8 (01:35:54):
That's exactly.

Speaker 5 (01:35:56):
Yeah, And I understand, I understand you. I understand your reasoning.
I understand it.

Speaker 1 (01:36:03):
I get it.

Speaker 5 (01:36:04):
You're saying, Look, there's nothing I could have done, and
it could have been disastrous had I gone but you see,
but they still they still lost two bookings on that
they lost it. I mean, you left and they couldn't
fill it, so they had two unsold places. And again,

(01:36:24):
you know, Visa is trying to make you happy. That's
why they took it off your bill because you're a
Visa customer.

Speaker 1 (01:36:31):
Now, the cruise line they put it back on there. No,
the crew, No, they didn't.

Speaker 8 (01:36:35):
As a matter of fact, George said, they're themselves.

Speaker 1 (01:36:40):
They're collecting it directly.

Speaker 5 (01:36:42):
And George, this has happened many times in the past
where people have disputed a charge, and it's not just
for cruise, but they disputed a charge, the charge went
away on the credit card, but the creditor, the business
was able to go after for the consumer directly. My
question is how bad will they really pursue this?

Speaker 1 (01:37:05):
Do you think? Do you think? I mean they may
they may not pursue it, George, They may not.

Speaker 8 (01:37:12):
Yeah. All they've said so far is that they're going
to turn it over to a collection agency.

Speaker 21 (01:37:19):
They have not done that yet.

Speaker 5 (01:37:22):
But how how long ago? How long ago did you
get the letter saying that they were.

Speaker 1 (01:37:28):
Going to turn it over?

Speaker 8 (01:37:31):
God, I don't have that right enemy here but probably
a month or so ago.

Speaker 17 (01:37:35):
Yeah, they will turn it over at some point. And
do you think yeah, because you know, if they're going
to write off that as a bad debt, they're at
least going to have to turn it over and make,
you know, make efforts to collect it, so you you
probably will get a call from some collection agency at
some point.

Speaker 8 (01:37:50):
Well, you know, again, our thing is we realized they
lost too on that one, but they're.

Speaker 6 (01:37:57):
Not gonna Yeah, there's no way to change your mind
on that. But listen, it's like a hotel room. If
I cancel a hotel room, and the hotel room since
empty on a Monday because I just canceled, they never
can get that time back.

Speaker 1 (01:38:11):
They lost that income, right, I understand.

Speaker 8 (01:38:15):
But if I then went went on Friday then and
booked that same room, it's still recoup journey.

Speaker 17 (01:38:24):
George, You've prevented them from selling that to somebody else.

Speaker 5 (01:38:27):
George, I don't understand why you didn't understand. Okay, all right, good,
you see what George keeps reading. George keeps reasoning that
they would have lost it even if he went, because
he would have had to been medavacked off.

Speaker 1 (01:38:42):
But the point is, yeah, but he would have paid
for the metovac. Yeah, I know, I know.

Speaker 5 (01:38:47):
See, the whole thing is terrible. George. By the way,
I hope you're doing better. How are you doing health wise?

Speaker 8 (01:38:53):
By the way, No, I mean I'm fine. I've had
these tubs for like four years. Wow, that's luck would
have But that's the first time they ever.

Speaker 5 (01:39:05):
By the way, George, what is this condition where you
need tubes in your kidneys?

Speaker 10 (01:39:09):
What is it called?

Speaker 8 (01:39:12):
Well, I had prostate cancer. Oh oh I did.

Speaker 5 (01:39:16):
I did.

Speaker 14 (01:39:17):
I'm not sure if it was.

Speaker 8 (01:39:19):
I guess it was radiation. Uh huh, the prostate cancer.
But in so doing, it's rendered ineffective. You know, everything below.

Speaker 1 (01:39:31):
The tubes run from the kidney to the bladder. It
looks like, Wow, I hope you're doing well. I hope
you're doing okay.

Speaker 8 (01:39:38):
George, I'm doing fine, And like, okay, I've had this
condition for four years and all.

Speaker 1 (01:39:44):
Right, too bad.

Speaker 5 (01:39:47):
Yeah, you know, always listen, people, as we get older,
we need to buy travel insurance for goodness sakes.

Speaker 1 (01:39:54):
Okay, learned the lessons, Yes, thank you very much. John.
Listen to this one. Have you ever heard of this
one before?

Speaker 5 (01:40:03):
I got a text here from somebody who said that
the insurance company. In an effort to discredit this person,
I don't know if it's here or she.

Speaker 1 (01:40:15):
I'll just say he.

Speaker 5 (01:40:16):
In an effort to discredit him, they went to his
social media to show his activities.

Speaker 1 (01:40:23):
Have you ever heard of such a thing?

Speaker 17 (01:40:26):
Absolutely?

Speaker 8 (01:40:27):
What?

Speaker 1 (01:40:27):
Okay? Hold on, hold that thought, Well, come back to this.
I'd like to know about that. Coming up on the
Troubleshooter Show, Go with a.

Speaker 5 (01:40:40):
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, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three O three seven to seven to one.
You'll think you're his only customer when you choose Frank

(01:41:03):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey Tom Martine here with Mark Major
and then our guest today is John Fuller, and we
talked about social media.

Speaker 1 (01:41:22):
So I want to finish with that.

Speaker 11 (01:41:23):
Now.

Speaker 1 (01:41:24):
This person was claiming personal injury.

Speaker 5 (01:41:26):
They didn't get into detail, but said that the adjuster
literally brought up in conversation his social media and he
was shocked that they were stalking his social media.

Speaker 6 (01:41:40):
You mean, like he like he was saying he's disabled
or had a broken leg, and his social media is
out there playing soccer.

Speaker 17 (01:41:47):
Yep.

Speaker 5 (01:41:47):
It was about pain and suffering, and he said they
were using it to dispute his pain and suffering.

Speaker 17 (01:41:53):
Justin anything that you put out there into the Internet
is public. I mean, it's a very it's not private.
You have no expectation of private for stuff that you
post on Instagram or Facebook or whatever. And so don't
be surprised when these insurance companies go out there and
they look you up. And if you're out there, you know,
claiming that you're incapable of doing the activities of daily

(01:42:16):
living and the things that you do for fun and
going snow skiing and water skiing and all this kind
of stuff, and then you're posting pictures of doing just that.
It's not going to work out well for you. And
we've had cases where you know, they've hired people to
go and surveil our clients, but our god, our clients
basically do it to themselves and we tell clients every time.

(01:42:40):
You know, the initial stuff from our office talks about, look,
you can't be posting anything out there on social media
because it's just too risky.

Speaker 1 (01:42:50):
So, yes, it happens.

Speaker 5 (01:42:52):
It.

Speaker 17 (01:42:52):
Don't don't expect that there's any prophecy with stuff that
you post. And above all, just be honest.

Speaker 5 (01:42:58):
You know.

Speaker 17 (01:42:58):
That's that's really the that's really the part of it here.

Speaker 6 (01:43:02):
Okay, it's fraudulent in it. I mean you could probably
get in legal trouble as well, right or criminals.

Speaker 1 (01:43:08):
Now there were people by the way, now I've heard
of this happening. John.

Speaker 5 (01:43:12):
In fact, someone contacted the show years ago. They were
on disability and they got their disability taken away because
it showed them playing with their kids and having cookouts
and walking their dog and all of that and working
out at the gym. Somebody stalked the damn guy, yeah,

(01:43:34):
to get me, and they took away his disability.

Speaker 1 (01:43:37):
I don't doubt it.

Speaker 17 (01:43:37):
I mean I recall years ago, I was in a
mediation one time and I had a client that swore
he could barely walk, and they put up a video
of him sprinting across the parking lot of seven to
eleven in the rain, and that was the end of
our mediation.

Speaker 6 (01:43:51):
So it happened, all right, We got another hour to go.
Three zho three Martino, get those calls in. It's a
great time to get him in right now. Three zero
three Martino.

Speaker 5 (01:44:02):
Yep, go with a sure thing Denver's best roofer Excel
Roofing dot com.

Speaker 4 (01:44:14):
You don't pay a cent until you're content.

Speaker 5 (01:44:20):
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 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 1 (01:44:49):
Leeds.

Speaker 19 (01:44:50):
So you don't have.

Speaker 4 (01:44:53):
Come run incious stas as we can.

Speaker 1 (01:44:56):
Shoot's gonna help come. Man Dix is the Troubleshooter Show.

Speaker 5 (01:45:03):
No Tom Martine, Hey Tom Martino here along with Mark
Major and John Fuller as our guest today Personal Injury
extraordinary attorney in.

Speaker 1 (01:45:14):
Legal mind.

Speaker 5 (01:45:15):
And we do have some texts and whenever I read
a text again more texts. One was about social media
and we should really talk about that. Everything you put
this guy seemed insulted. Again, I don't know if it's
a guy or a goal, but I say guy seems
insulted that he had an insurance claim. They were fighting

(01:45:36):
a personal injury case for pain and suffering, and.

Speaker 1 (01:45:39):
The adjuster.

Speaker 5 (01:45:42):
Had his social media account up and was being used
as evidence that he wasn't suffering as he said he was.
This guy was shocked and actually said, isn't that an
invasion of privacy?

Speaker 8 (01:46:00):
Well?

Speaker 5 (01:46:01):
I often find that funny when people post everything in
their life on social media and then someone comments on
it and they say, you know, let me live my.

Speaker 1 (01:46:12):
Life the way I want.

Speaker 5 (01:46:13):
You have no you know here They are putting it
out there for everyone, and then actually have the audacity
to feel violated when someone comments on their personal life.

Speaker 17 (01:46:23):
Well, it's crazy. It's like, let me make sure I
understand this. Right, you are upset because there are photographs
that prove that you're lying about the damages you suffered
in the accident. Who are you really upset at?

Speaker 10 (01:46:37):
Right?

Speaker 1 (01:46:38):
That you're an idiot that you did it?

Speaker 5 (01:46:40):
Because if you say I can hardly move, I'm depressed.
I don't feel like going out anymore. They show you
at ballgames, they show you out with cookouts with friends
or just having a grand old time. They can use
that against you.

Speaker 17 (01:46:55):
I had a client one time that posted a video
of himself on Facebook in a bong smoking contest.

Speaker 1 (01:47:02):
Oh my god, Oh my god.

Speaker 17 (01:47:06):
I mean, I can't make this stuff up. But he
won the contest. It didn't help his litigation case any
But you know, now, by the way, I have go ahead.

Speaker 1 (01:47:19):
I'm sorry. Did you have more on that? No, I
just said, I know, of course. Now here's the deal. Well,
here's the deal.

Speaker 6 (01:47:25):
Some of my favorite examples are more like when Gavin
Newsom closed down everything in November twenty twenty and then
went out to restaurants in Napa County and had dinners, and.

Speaker 1 (01:47:37):
I mean, think about that, and then the idiot took
pictures of them. Or Nancy Pelosi getting her hair done.

Speaker 6 (01:47:45):
How about our own governor saying, hey, we don't want
you going to church and worshiping during this one hundred
year killspree with COVID, But my god, don't close the
liquor stores and make sure the weed stores open on time?

Speaker 1 (01:48:00):
Yeah, yeah, And then, of course we had our horror
love and mayor and he's a when No, not when,
I'm sorry, no, what was his name?

Speaker 5 (01:48:12):
Han? We're handcocked. Remember he was taking a trip for
the holidays and telling everyone to stay home for the holidays.

Speaker 1 (01:48:20):
Yeah, I'll ask you.

Speaker 6 (01:48:23):
One of the most awkward moments I have had in
this radio station is when you and I got.

Speaker 1 (01:48:29):
Into the elevator on my north floor.

Speaker 6 (01:48:31):
I know, and guess who hops into the elevator with us,
the horror loving mayor.

Speaker 1 (01:48:37):
And the horror loving mayor looks right at Tom and
goes hello, Tom.

Speaker 5 (01:48:42):
Yeah, I know, Hello, I know, because I mean, it's
just he was a terrible mayor.

Speaker 1 (01:48:49):
He really was. But you know what, he's better than
who we have now.

Speaker 4 (01:48:52):
I know that's Mark.

Speaker 1 (01:48:54):
I was just gonna say that.

Speaker 5 (01:48:55):
I actually I actually long for the horror loving mayor
rather than the guy we have now, who is a
complete idiot. I mean, the guy we have now Johnston
is a complete idiot. I don't know how else do
you describe him. I mean where he literally is in
favor of crime and everything just to take political stances.

(01:49:19):
I mean, don't you dare try to clean up our seats,
don't you dare? You know, everybody, you're all welcome here,
keep coming here, you know. I mean, it's like, we'll
spend all of our money and we'll if we have
to lay off our employees, so be it.

Speaker 1 (01:49:34):
It's just there.

Speaker 6 (01:49:35):
Hickenlooper was even better than either both of them put together,
at least with the endless problem.

Speaker 1 (01:49:40):
He came up with something that worked. It's called one
way bus tickets.

Speaker 6 (01:49:44):
He'd hand out one way bus tickets and a sack
lunch to go to California.

Speaker 5 (01:49:51):
Okay, now we're having fun, but let me let me
recap some stuff I posted.

Speaker 1 (01:49:57):
On YouTube and other social media.

Speaker 5 (01:49:59):
Five complaints I've gotten the most of over the twenty
twenty five twenty twenty five, So there are the problems.

Speaker 1 (01:50:07):
They're in a short video showing the biggest problem.

Speaker 5 (01:50:11):
What do you think the number one problem was for
twenty twenty five contractors? That's it paying money upfront, getting
little or no work. That was the number one problem
paying contractors. And if you want to know the rest,
you have to go to the videos on our YouTube
Troubleshooter Network or our Facebook referraless on Facebook, or you

(01:50:33):
have to look it at my Instagram real Tom Martino
or Twitter or whatever anyway, So we're talking about problems.
Though somebody said they did not clear understand. They thought
if they dispute a charge and in charge is taking
off their account, they're no longer responsible for it. And

(01:50:53):
they want to know how do they have the nerve
to come after them? Can't they use that dispute and
court as proof they're not responsible? John explain that. I mean,
it seems to me so logical. It's amazing what people believe.
So explain that you charge something on your charge card,
you have a dispute, you say I.

Speaker 1 (01:51:13):
Don't want to pay it, right, so now you don't
pay it.

Speaker 5 (01:51:16):
Let's say, and the credit card company Visa or MasterCard
or whatever, they take it off your account and say, okay,
you're no longer responsible for this debt. Now does that
have any legal ramifications for people paying the debt?

Speaker 8 (01:51:33):
Yeah?

Speaker 1 (01:51:33):
I don't think so.

Speaker 17 (01:51:34):
I mean to suggest otherwise would be to suggest that somehow,
as a consequence of accepting credit cards, that they would
have to agree that anytime the credit card company decided
that it wasn't a valid charge, so that they would
honor and agree to it and not get paid for
their service or product. And I just don't think that
you would get mass acceptance of credit cards if those

(01:51:55):
were the terms that you had to give up, you know,
to be a vendor. So right, you know, it's just
not the way the world turns.

Speaker 5 (01:52:02):
So when you take a credit card and you're a vendor,
and somebody can test the charge and you fight it,
if the credit card company says you're not responsible anymore,
well then you then still can go after the individual.
The credit card company does not have any legal standing

(01:52:23):
to say whether you owe the money or not.

Speaker 1 (01:52:26):
All they can say.

Speaker 5 (01:52:28):
All they can say is whether or not they're going
to let you use the credit card to collect the money.
So in this case, he booked a cruise, he had
to go to the emergency room. As a result, he
could not take the cruise the visa card. I'm shocked,
actually that the credit card removed the charge.

Speaker 1 (01:52:49):
I really am a lot of the relationship with the
bank man, it really is.

Speaker 5 (01:52:54):
Yeah. They in other words, they wanted to make the
customer happier.

Speaker 6 (01:52:57):
Sir carts in three million a million a year. Let
me tell you they'll they'll dispute and not pay whatever
you tell him to.

Speaker 5 (01:53:05):
Now Rick disconnected before we could tell him. He's a
seventies year old disabled veteran with bad knees and a
bad back. He's on show security for nine hundred bucks
plus he gets thirty five hundred dollars in VA benefits,
so he's getting fifty two eight a year. He's in
assisted living. He says he needs financial assistance. I'm not
going to read a lot of the texts I got.
I got some texts that were not sympathetic at all, saying,

(01:53:28):
you know, I wish I got fifty two eight hundred
a year. And of course this guy's a disabled veteran.
He deserves every penny he's getting. But the question is
why is he in dire financial stress? That long term
care facility? My god, they've got a gobble up probably
ninety percent of it. I mean, that's how they get paid.

Speaker 6 (01:53:47):
Long term facilities in Colorado are about ten thousand bucks
a month.

Speaker 1 (01:53:52):
Yeah, they're expensive. Anyway.

Speaker 5 (01:53:54):
Somebody did say, and I saw the text that VA
does have other programs for people for for additional assistance,
and he ought to look into Veterans Administration.

Speaker 1 (01:54:04):
One guy said, Tom and crue this.

Speaker 5 (01:54:06):
Oh, hold on a few people, though this is about
the other woman. A single mom can contact Family Promise
of Greater Denver for homeless families. They are a temporary
housing and homeless resource nonprofit. They are amazing resources to
help people get stabilized. There are a lot of This

(01:54:27):
woman called and she is about well. Her friend called
and this woman is about to be homeless. She has
no money, her husband left her and she has a
kid and basically she's on her own. She doesn't have transportation,
she doesn't have savings. She's back fifteen hundred dollars for
this month's rent. She's going to have twenty two hundred

(01:54:47):
dollars due on the first of February. She's in really bad,
in a bad position right now. And somebody else texted
me and said, Tom, there are numerous people in this
position right now. We are heading for a crisis. More
and more people are facing homelessness. And I think it's true,

(01:55:09):
but I just have to tell you I don't.

Speaker 1 (01:55:11):
Know what the answer is.

Speaker 6 (01:55:12):
Well, i'll tell you one of the answers. And this
goes back to the guy with to fifty two thousand
a year. You own way eight, you are a financial genius.

Speaker 1 (01:55:22):
Let me ask you this.

Speaker 6 (01:55:23):
If all the money that the average Joe put into
Social Security over the years was put into either let's.

Speaker 5 (01:55:31):
Just say, oh God, God, or just unbelievable, unbelievable, unbelievable millionaires.
In fact, if you took some of these insurance companies
that Joe Chiano deals with for annuities, and if people
right now in America, right this minute, if every single

(01:55:52):
person had to put their money in let's say one
of three annuities, right you were forced to do it
as instead of Social Security, instead of the government getting
their grubby hands on it. Let's say every single American
had to pay in to let's say three, they pick
three or they pick one of five.

Speaker 4 (01:56:14):
It doesn't matter.

Speaker 1 (01:56:15):
Do you understand that these.

Speaker 5 (01:56:17):
Private insurance companies, in a private annuity, people would have
more money than they knew what.

Speaker 12 (01:56:23):
To do with.

Speaker 1 (01:56:24):
It's amazing. And all that money think about that we
put into Social Security.

Speaker 6 (01:56:29):
It doesn't grow with any interest, no, not. In fact,
they steal from it to pay for daycares. It don't
exist for correct.

Speaker 5 (01:56:36):
Imagine, But Mark, why wouldn't they ever do it? Because
they use the money.

Speaker 4 (01:56:41):
It's just a hitt tax, That's exactly what it is.

Speaker 5 (01:56:45):
But really and truly private, private individuals can do better
with the Social Security system.

Speaker 6 (01:56:53):
I'm hoping Trump comes up with something. I realize you
can't cut it off anywhere. Take you and me. We
paid it to Social Security forever. We need to get
at what we're supposed to. But at some point you
should be able to say, anybody born in twenty.

Speaker 5 (01:57:08):
Right seven, that's right, maam, if you're born at a
certain date forward, your money now goes into one of
you select you know, let the government clear them.

Speaker 1 (01:57:19):
In other words, they have to have a certain and
they know it has.

Speaker 10 (01:57:21):
To touch it.

Speaker 1 (01:57:22):
They can't touch it. It's almost like a four to
oh one k.

Speaker 5 (01:57:25):
Right, it's it's a legit company. The government legitimizes the companies.
You get to choose one of three, or one of four,
or one of five or like Mark, like you said
at four oh one k. You make it so this
money must be set aside. You can't opt out of it. Okay,
you must put this money away, but you get to

(01:57:46):
put it away in the annuity of your choice.

Speaker 6 (01:57:49):
Honest to god, people about it, and you can't borrow
from it like a four to oh one K. And
that's right because people will borrow from it, never pay
it back, and then we're back to the safety net.

Speaker 5 (01:58:02):
Imagine the money people would have in retirement and the
economy would thrive if here's the problem.

Speaker 6 (01:58:09):
The elites want all of our money and they want
to kisa keep us poppers down.

Speaker 1 (01:58:14):
Simple as that. There are a bunch of thieves. And
that even goes for local government.

Speaker 5 (01:58:19):
And you know what's really weird is whenever anyone talks
about privatizing Social Security, people become crazy.

Speaker 1 (01:58:27):
They oh my god, you know, trying to take away
our benefits.

Speaker 6 (01:58:30):
The politicians become crazy over it because their money's going
to go away. It's just like Obamacare. Who doesn't have
to have Obamacare? The people in Congress.

Speaker 5 (01:58:41):
But here's the deal. Truly, they can't do it because
they borrow from it. They owe so much to Social Security.

Speaker 1 (01:58:50):
There's no money in Social they borrow from it. Is
all the bs we're finding out.

Speaker 6 (01:58:55):
Hopefully, hopefully this trend will continue over the next presidents
and we'll actually cut out all this crap.

Speaker 1 (01:59:03):
I hope.

Speaker 5 (01:59:04):
So anyway, we have more coming up on the Troubleshooter
Show where we're talking about your problems, questions and complaints,
and we want you to call in now. Don't let
problems set too long. Let's make twenty twenty six the
year that we tackle them. Three oh three Martino three
oh three six two seven eight four sixty six. Go

(01:59:29):
with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three, seven to
seven to one help. You'll think you're his only customer

(01:59:51):
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,
Welcome with Mark Major, John Fuller.

Speaker 1 (02:00:08):
We do have some texts and this one I want
to get to right here.

Speaker 5 (02:00:13):
Okay, I was hit by a ride share driver. The
driver says they were off the app.

Speaker 1 (02:00:21):
At the time. Uber says they're not responsible. What is
the story? John Fuller, Attorney at Law. Those apps are weird,
aren't they?

Speaker 6 (02:00:32):
John?

Speaker 1 (02:00:32):
You're either isn't there like three things?

Speaker 6 (02:00:34):
One you're waiting or fishing for a ride, two you
have a ride in there, or three year off the clock.

Speaker 17 (02:00:40):
So it kind of starts and ends with the idea
that your private car insurance, like your farmers and state
farm and whatever, they're not going to cover you when
you're engaged in commercial activity. Okay, so we have to
really draw the line between when does commercial activity start
and when it stop. It starts when you agree to
take on a ride and you're either driving to pick

(02:01:01):
up that person or you know, or actually engaged in
the ride. And then as soon as you carop that
person off and you're no longer engaged in a ride,
you're just kind of hanging out waiting for the next one.
That's when you're back on your own personal time. And
so Uber drivers and lyft drivers are constantly going back
and forth between private insurance, Uber insurance, private insurance Uber insurance,

(02:01:23):
and it makes it incredibly complicated when we have accidents
that are kind of.

Speaker 1 (02:01:28):
How do you tell how do you tell? John?

Speaker 5 (02:01:30):
Like like, is there something like does the app keep
a record of the actual.

Speaker 17 (02:01:35):
Time absolutely down to the second? Yeah, I mean that's
really what it comes down to, is what exactly were
you doing? Where were you what, you know, what was
going on, who was in the car, where were you going?
All these different issues and it's tricky sometimes, but it
normally comes right down to the time and what the
status of that app was, so you know, and there's

(02:01:56):
always these crazy exceptions to you know, to these these issues.
Like as an example, one day, I left the airport
in an Uber and for crazy circumstance, I got in
the wrong Uber. Okay, the guy pulled up and said John,
and I was like yep, and I hopped in and
took off. It turns out he wasn't there to pick

(02:02:16):
me up, and so the guy agreed to just take
me to my house and I would pay him cash.
But so was I in an uber ride at that moment.
We weren't on the uber clock anymore. Was I on
this private insurance?

Speaker 1 (02:02:28):
I don't know.

Speaker 17 (02:02:28):
Let's the answer to that question, And that would be
the kind of stuff that litigation would have to sort
out to really give you the answer for Well, we were.

Speaker 6 (02:02:36):
Just in Susanna and I actually two cities we were
in in the last month, Atlanta and Austin. Both of
them we were in multiple way moose and it's crazy, man,
I mean you're sitting there in the back seat and
it's driving.

Speaker 1 (02:02:51):
What happens if someone two things? How do you see
this working? Some other car hits the way MoU I
assume Way.

Speaker 6 (02:03:00):
Moves insurance covers me from my injuries, or say the
other driver doesn't have insurance. How does that even work
with the driverless vehicle? Well, or every driver Way Move.

Speaker 17 (02:03:11):
The driverless vehicle has to be insured just to be
on the streets like any other vehicle. Sure, so if
the driverless vehicle causes an accident, then clearly their insurance
is going to be implicated. When it comes to an
accident caused by somebody else, that's going to be the
exact same rules that we have today.

Speaker 1 (02:03:28):
It doesn't.

Speaker 17 (02:03:31):
Was responsible, So we're going to look to that person's insurance.
If they're uninsured, we would first look to see if
there's any uninsured coverage on the Waymove vehicle, and then
if not, we would look to your own policy for
that uninsured motorist coverage. That's the important thing that people
need to always keep in mind is that the UM
coverage that you buy goes with you when you get

(02:03:54):
into somebody else's car. When you're on vacation when you're
you know, tries all the time. It's so incredibly important
and it's the only insurance that you buy, Auto insurance
that you buy that actually protects you and your family.
Why thing else?

Speaker 6 (02:04:09):
It's just John's saying that, why do people go, oh,
I've got one hundred thousand dollars in coverage and I
only have one hundred thousand dollars in assets.

Speaker 1 (02:04:17):
That's all I need. They don't even think of uninsured.

Speaker 6 (02:04:21):
Is it just because they're not they're not trained properly,
they're not taught properly.

Speaker 17 (02:04:26):
I do think it's a lack of really understanding what's
going on. And people are just geared to think, oh,
I've got an umbrella, I'm covered and stuff, and they
don't really understand that that liya coding coverage covers you
for damage that you caused to somebody else, but it's
not protection for you or your family exactly. And that's
the important thing. Here's my theory about it. I you know,
we we're all getting older and older and older, and

(02:04:48):
we but we all remember we used to have self
insurance agents, and we used to have people that we
would deal with to buy our insurance. And we would
have a conversation with them about what coverage to buy
and stuff like that.

Speaker 1 (02:05:00):
Day that mostly doesn't happen.

Speaker 17 (02:05:02):
People go online and they're looking for the cheapest quote
and every way to cut corners that they possibly can. Yeah,
and you've got insurance companies like you know, your Fred
Layers and stuff that just I have never seen a
Fred Loyer policy that has medpay. It's a mandatory coverage.
How in the world do they get away with that?

(02:05:22):
But they do because every single person signs a waiver
automatically generated by the computer when they buy Fred Lawyers.

Speaker 1 (02:05:31):
And that's why they're so dirt cheap, because your coverage sucks. Yeah, exactly.

Speaker 17 (02:05:35):
So it's a matter of education, but it's also a
matter of you know, to compete in this environment that
we live in today. These companies are forced to put
out the absolute lowest price or they lose just on
price alone, without any consideration of the differences in coverage.

Speaker 6 (02:05:52):
Tom, Like on your umbrella, does your um carryover? Like
I have a rider on mind that covers over not
only the one ability, but you actually, I.

Speaker 5 (02:06:03):
Let Compass handle all that, and I would assume it does.
Are you saying that the uninsured motorists. If it's not
enough that your umbrella would step in.

Speaker 6 (02:06:14):
Yeah, so for the example of that writer, Yeah, that's
what we have. It would step in for myself, for Suzanne, right, Okay,
so an actuality. Then it says if somebody hit you
and they had the umbrella.

Speaker 17 (02:06:25):
That's exactly the right way to look at it, Tom.
Those extra coverages on your umbrellas are hugely valuable.

Speaker 1 (02:06:33):
I have one.

Speaker 17 (02:06:34):
I know that Dimitri just got one on his policy,
Mark's had it forever and stuff. It's the only way
to go to make sure that that extra insurance that
you're buying is actually providing value for you and your family.

Speaker 6 (02:06:46):
I want to put it a little I want to
put it very clear because I think people get lost
in this conversation. Someone in Colorado in sixty seventy percent
either have no insurance or the state minimal, which is
what twenty five thousand.

Speaker 17 (02:06:59):
Yep exactly.

Speaker 6 (02:07:00):
Think about that they hit you. You can't walk again.
You're not dead, but you can't rock again. All you
gets twenty five thousand dollars because they don't have nothing else,
and you.

Speaker 1 (02:07:09):
Don't get the twenty five because we've got to pay
back the er. That's what you went to.

Speaker 17 (02:07:13):
You've got to pay back to help pay the attorneys
and stuff involved. You're you might not get any You're
getting eight or ten grand, you know, and that's it.
That's your entire life.

Speaker 1 (02:07:23):
The UM coverage steps in if you have it. Then
if you have an umbrella that goes over that.

Speaker 6 (02:07:28):
Let's say you have the five hundred thousand which most
people have to carry to have the umbrella, or at
least two fifty five hundred, then you have a two
million dollar umbrella, and that umbrella has a rider that
extends to UM.

Speaker 1 (02:07:41):
Now that twenty five thousand means.

Speaker 6 (02:07:43):
Nothing because you have access to two point five million dollars.

Speaker 1 (02:07:47):
That's right.

Speaker 17 (02:07:48):
And if you're the primary bread winner or just a
well employed bread winner for your family, yeah, you're not
well employed. And if you're the guy that's bringing home
the paycheck or the gal that's bringing home the paycheck, look,
eight grand's not gonna to do it for you. But
you're having a few hundred thousand or a couple million dollars.
If you suffer catastrophic injuries, that's just the start of

(02:08:09):
figuring out how to adjust your life so that you're
not victimized over and over and over again for the
rest of your life.

Speaker 5 (02:08:17):
And that's the whole way to look at insurance. Insurance
is for you, not for the other party. Even though
it's written sometimes as liability for the other party, it
keeps them off your back financially. So no matter what,
insurance is protecting you. And as Mark put it before,
you ensure for what you're worth, so you're not too

(02:08:38):
you know, people think they're beating the system. That's right,
You're not beating the system by having low insurance because
if they're not satisfied with those limits and you are
a very attractive target, they're coming after you. You know,
we got a great problem.

Speaker 6 (02:08:54):
Yeah, when we come back, I want to recap with
you the story of the guy that called up it
had the he had, he had his house paid off.

Speaker 1 (02:09:03):
Right, you know what I'm talking about? When do you
hear this story? Anyway?

Speaker 5 (02:09:07):
I want to tell you about Gravina's three oh three
Gravina three o three Gravina for windows and siding, indoors
and everything on the outside of your house. They're great people.
Nine fifty West Evans three oh three Gravina Go with
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(02:09:30):
You don't pay a cent until you're 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 oh three seven seven to
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to

(02:09:50):
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hey tom Archino here three
oh three seven one to three talk seven one three
eight two five five. So Mark was talking about and
by the way, we have John Fuller with US personal

(02:10:11):
injury attorney, and as we do many times when he's on,
we get to talk about coverage, insurance, coverage, what's important,
what's not so uh. I don't know if this is
the case Mark has referred to, but there was a
married couple that had their house paid off and they
had assets in the bank and they had a lot
of uh. He had about a mixtion bucks, Yeah, and

(02:10:31):
had insurance yep of almost the minimums maybe a little bit.

Speaker 6 (02:10:35):
Think it was fifty thousand, yep, and he caused are
you ready for this, John, He caused over a half
a million dollars in damage.

Speaker 17 (02:10:44):
I think I came to him.

Speaker 5 (02:10:45):
Yeah, he thought he was beating the system because he
was paying low premiums.

Speaker 6 (02:10:50):
And he got a letter. The reason we got involved.
He got a letter from the insurance company. No, he
got a letter I think from his own insurance company.

Speaker 1 (02:11:01):
Yeah, that makes sense.

Speaker 17 (02:11:02):
So here's what went down. I spoke to this gentleman,
and I don't think I would be out of him.
This is a lesson for everyone to go ahead, right. So,
he he got in an accident, he was at fault
and had minimal limits. I think it was exactly minimal
limits twenty five thousand. Yeah, And for years and years

(02:11:23):
and years that's what he had had. And he always
thought that that was just you know, pay the least
you can, and that's what you do. And in the
process he became wealthy and he paid off his debts,
He owned his stuff free and clear. He had, you know,
a million or so dollars in assets, and then he
caused his accident. So the plaintiff's attorney for the people
that he injured were you know, we're dealing with the

(02:11:46):
insurance company, and they're like, we only have twenty five.
And in doing his due diligence, they found out that
this guy had assets, and they said, well, we're not
willing to take the twenty five without us knowing what
level of assets this guy has. We want to see
if he was appropriately insured. And so they required, as

(02:12:07):
a condition of even considering the acceptance of the twenty
five thousand, that this guy fill out a financial affidavit.
And so they sent along a little affidavit asking for
all of his information about assets and money and real
estate and cars and real estate and everything else.

Speaker 1 (02:12:24):
And that's what he called us. He wanted to know
if he had.

Speaker 17 (02:12:27):
To Philadelphia shocked at this request and was inclined to
just tell him to pound sand that he wasn't.

Speaker 8 (02:12:33):
Going to do that.

Speaker 17 (02:12:34):
And of course, I, you know, I didn't, you know,
I didn't represent the guy at all. But I explained
to him the circumstance, and he began to understand that
he was in a real pickle. If you don't have
enough insurance and you have unencumbered assets, meaning assets that
don't have loans on them, you are truly out there

(02:12:55):
in the wind all alone in the event that something
happens and you're determined to be at fault for an accident,
And so that's why we always harp. Yes, it's important
to have insurance. It's important to protect your assets. It's equally,
if not more so, important to protect yourself with the
uninsured motorist side of things. But insurance is protection and

(02:13:16):
it there is an appropriate amount for each person, and
it's different depending on your circumstance. But if you don't
know why a particular level is important for you, then
you probably need to get somebody else to help advise
you about what insurance choices you're making and stuff, because
it's critically important and you'd better be right in the

(02:13:36):
event that's something happen.

Speaker 6 (02:13:37):
And for people listening, this isn't coming from an insurance broker.
This is coming from an attorney John Fuller, He's got
no skin in the game with the exception if he's
representing you, he wants to be able to get all
the damages you deserve from the other party. So education
is a big part of that. But that guy is
the perfect example because all that money pay off the

(02:14:00):
house coming up on retirement, man, he could be taken.

Speaker 1 (02:14:04):
It can be taken to test.

Speaker 17 (02:14:06):
He did everything right for umpteen Jullian years. I mean,
he was not a young guy right right, and all
of a sudden, through in one instant made a mistake
and caused an accident, and all of a sudden, all
of that was in play. And I don't know what
the end of that story was, but if I don't guess,
it would be him writing a check over and above

(02:14:27):
what his insurance coverage was to resolve that matter. And
that's that's you know, that's just a terrible outcome. But
he caused that by not making the right decisions all
along when it came to insurance buying.

Speaker 1 (02:14:40):
All right, we got a break, and then we've got
a question up here on a driveway. Yeah, well we'll
answer that question on the driveway.

Speaker 5 (02:14:48):
And then, of course I also want to tell you
about Denver Regen dot com.

Speaker 1 (02:14:52):
As you know Mark has used.

Speaker 5 (02:14:53):
It for weight loss pennies on the dollar, but I
want to re emphasize their stem cell therapy as we
enter the new year.

Speaker 1 (02:15:00):
For shoulders, hips, knees, lower back.

Speaker 5 (02:15:03):
Next, they do it all Denver Regen dot Com for
genuine stem cell therapy. Go with a sure thing Denver's
Best Roofer Excel Roofing dot com. You don't pay a
cent until you're content. Please time for an insurance check

(02:15:24):
up free, no obligation comparison call Compass Insurance Paying too
much your coverage at dozens of insurance companies find out
now three oh three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, your trouble shooter three

(02:15:55):
O three seven one three talk seven one three eight
two five five. John Fullers with us. Welcome to the show.
But everyone, and I guess that caller dropped off. What
was that topic they brought up? We were going to
talk about she.

Speaker 2 (02:16:08):
Needed a driveway for a rent and okay, I didn't
know if she could hold.

Speaker 1 (02:16:13):
So we're going to try to go on referral list.

Speaker 6 (02:16:16):
If she types in concrete, go to referral list dot com.
Type in driveways or concrete or asphalt. And Curtis is
one of them that'll come up. He's really good.

Speaker 1 (02:16:27):
And which one what is the name of his company.

Speaker 6 (02:16:29):
Performers did my driveway, and for the life of me,
I can't remember what it's called.

Speaker 5 (02:16:35):
We have pro formed Concrete Vlario you and then and
then we have okay good and then L E M Landscaping.

Speaker 1 (02:16:43):
You know, Bob does some of that too, in relation
to landscaping.

Speaker 5 (02:16:45):
But you know, concrete is getting harder and harder and
harder to find good concrete work.

Speaker 6 (02:16:51):
Same with asphalt. Man ashoalt's really tough. We on referral
list dot com. We need a good asphalt guy. Yeah,
that's true. Anyway, three three seven one three A two
five five. Let me go back to the thing here.

Speaker 1 (02:17:05):
Hold on, I have.

Speaker 5 (02:17:07):
A text here, the one so the one we talked
about with the app the lift. How did we end
that up? The guy wants to know if he was
off the app, his own insurance will cover. The consumer
wants to know, then, this particular individual that hit him,
even though it was an Uber car, it was not

(02:17:29):
on the clock. He would process it like any insurance
against the guy's private insurance.

Speaker 17 (02:17:34):
Right, Yes, if the guy was off the clock, he's
just a regular insurance guy. His personal insurance is going
to cover his liability. For that accident.

Speaker 5 (02:17:43):
Okay, Now somebody wants to know is I'm summing this up.

Speaker 1 (02:17:47):
This is not what they're asking, But this is what
they're asking.

Speaker 5 (02:17:50):
They had a very minor accident, but they have what
they feel are really major problems with their neck and back,
and the adjuster or whoever it is on the other side,
seems to be suggesting that it was such a minor
accident under two thousand dollars in damage to the car,
they couldn't possibly have that much wrong with them.

Speaker 1 (02:18:08):
And again I'm paraphrasing.

Speaker 5 (02:18:10):
Have you ever had that happen, John, where the physical
damages to the cars were not much, but the damages
to themselves were.

Speaker 17 (02:18:18):
Only about a million times?

Speaker 7 (02:18:19):
Oh?

Speaker 1 (02:18:20):
Really, So it does happen.

Speaker 5 (02:18:21):
It's not unusual if you need help, call John Fuller
because you're saying the damage to the car is not
indicative of the damages to your body.

Speaker 17 (02:18:32):
Absolutely true, All right.

Speaker 5 (02:18:35):
John Fuller three oh three, five nine seven forty five hundred,
always free initial consultations and a percentage fee basis. Remember, folks,
three ozho three Martino, save all.

Speaker 1 (02:18:45):
Your problems for us.

Speaker 5 (02:18:47):
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. Could 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

(02:19:10):
you choose Frank durand the Realestateman dot com to list
your home with Remax Alliance three oh three nine two
zero sixteen twenty two