The Troubleshooter 05-22-26

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:07):
News, so you don't have come.

Speaker 2 (00:12):
Come running astas as you can.

Speaker 3 (00:16):
Shooter's gonna help coming man.

Speaker 2 (00:20):
This is the Troubleshooter Show. No Tom Martine, Come my friends.
My name's Mark Major.

Speaker 4 (00:26):
Next to me is my lovely wife, Suzanne Major. And
this is the Troubleshooter Show. We're here to solve problems,
answer questions. We're here to solve your problems. Literally, think
about that you got a bad contractor out there that
took money, won't finish the job, doesn't matter what it is.

Speaker 2 (00:43):
We get involved, directly involved.

Speaker 4 (00:45):
In fact, the reason this show works so well is
we use the power, the power of the media to
expose the scumbags. That's pretty much it.

Speaker 5 (00:56):
Uh.

Speaker 4 (00:56):
We basically put a hit out on them on the radio.
I'll say, it's just like at you know, not like
a death call by any means.

Speaker 2 (01:03):
But we want other people to know who to avoid.

Speaker 4 (01:06):
So if you have been ripped off, if you have
been taken advantage of, if you need any help whatsoever.
We have a team of experts at referral lists dot com,
one of which I'll introduce in a second, and then
a team of deputies like Deputy Decent next to me,
deputy Bow Deputy Doc. We've got a team of deputies
that all have great information, great life skills that we

(01:29):
assign to cases. And these guys are bird dogs. These
guys just go out there. They're hounds. They figure out problems,
they get results, and we couldn't be more proud to
do this for the community.

Speaker 2 (01:41):
It's very simple.

Speaker 4 (01:42):
Three oh three seven, one, three eight, two five five
or three zero three Martino. Of course, the show couldn't
happen without ax Man behind the scenes taking your calls
doing follow ups. And then Shannon, who has been in
the iHeart lifestyle forever. I don't know if Shannon's ever
not worked for iHeart. And I say that, I mean
iHeart at one point was j Corr And if you

(02:05):
go back far enough, weren't they like General Electric or something?

Speaker 2 (02:08):
Shannon, Yeah, this one was.

Speaker 4 (02:10):
But I think we kind of started in the Noble
Broadcasting branch that was owned by John Lynch's parents. That's unbelievable.
That's the it's crazy the radio business over the years.
And then of course right here in Colorado, we have
one of our flagship ams, the fifty thousand lot KOA
next to us. But anyhow we get the message out

(02:32):
three oh three Martino. You can also email us it
help at troubleshooter dot com. Then we can reach back
out to you. But I have one uh, I've got
two lines open three O three seven one three eight
two five five. I really want to get calls in.
I've got some deputies that are, you know, looking for
something to do.

Speaker 2 (02:50):
Now.

Speaker 4 (02:50):
This hour, by the way, brought to you by Frank Duran,
the real estate man. Oh Man, Suzanna and I have
used Frank multiple times. I'm going to put it like,
he sold our house in Redhawk, that's in Castle Rock
for more money, the same model, the same model that
was selling all over in twenty fifteen. He got us
more money than any other model.

Speaker 5 (03:12):
That's it.

Speaker 4 (03:13):
He got his more money and he sold it faster.
The guy has his secret sauce. Then he negotiated our
house in Franktown down one hundred thousand dollars and we
couldn't be happier with that house. Frank durand Holmes dot com.
You'll hear Ryan Schuling talking about him tom myself. So
you got to check him out simple as at Frank
Duran Holmes dot com. Now that I got that out

(03:35):
of the way. Let's get to Candace. Candace, what is
going on with you?

Speaker 6 (03:40):
Oh?

Speaker 7 (03:41):
Wow, I don't know where to start. I recently signed
a lease, been there about six months, and it's been
one problem after another.

Speaker 4 (03:50):
Give me an example, Give me an example of the
worst problem.

Speaker 7 (03:54):
Oh well, yesterday was the start of it. They were
doing they were standing the floors and my door has
a hole in between it, so the sand was pouring
into the house. Come to find out, they were actually
plugged into my electric using my electric.

Speaker 4 (04:13):
Hey, can't just when you say they were sanding the floors,
who was standing the floors?

Speaker 2 (04:18):
And were they your floors?

Speaker 7 (04:20):
No, it was the patio force. It was outside. They've
been doing some reconstruction. I got it before I got it,
but they were plugged into my electric And I went
and complained to management about that, and he sort of
laughed about it and said it'd be like five cents.
They're just charging the machines like not on my electric bill.

(04:41):
And last night got home after work and the ceiling
there's a week in the ceiling.

Speaker 1 (04:48):
Mark, We have pictures of the ceiling. It's bad.

Speaker 4 (04:51):
So you didn't have a leak. Now, all of a
sudden and I'm going to look at the pictures over
the break. But you're saying what happened? What caused that?
That wouldn't be saying ending the cement on the patio,
what caused the leak?

Speaker 7 (05:03):
So apparently there was a pipe at first in the
house above me and the guys. The contractor came out
and he had to cut the wall open and you
can see rust and mold all on the pipe.

Speaker 2 (05:18):
So you see it.

Speaker 4 (05:20):
You're saying you can see the exposed pipe from where
you are.

Speaker 7 (05:25):
Yeah, they had to cut open the wall or it
was going to fall down.

Speaker 2 (05:27):
Is that a picture of it, Susanne.

Speaker 1 (05:29):
Yeah, by sending it to your email, I was going
to have ax posted.

Speaker 2 (05:33):
Candas.

Speaker 4 (05:33):
Okay, there's two different things. Now the cement is that done?
And when they're out there doing the patio, I don't
get it. Is it a sliding door that's in between
you and the patio?

Speaker 7 (05:43):
No, it's the front door and everything's sort of broken, Candas.

Speaker 2 (05:49):
Is this an apartment or a town home or what
is this?

Speaker 7 (05:53):
It is an apartment in Englewood, So they're all apartments.

Speaker 4 (05:56):
The people above you, everybody pays the same person. Yes,
So when they when hho or not HOA. When management
sent out whoever's over the apartment complex, When they sent
out maintenance to cut that floor and you saw the pipe,
what did they tell you at that point? What were
what was there? What did they relay to you as

(06:17):
far as information? Were they going to put you up
in a hotel? Were they going to move you while
they fix it? I mean, what did they say?

Speaker 7 (06:25):
I so it happened after hours. I didn't notice it
until about eight o'clock. So, uh, it was an emergency call,
which somebody did come out. He stopped the leak upstairs,
but the ceiling was so damaged.

Speaker 4 (06:41):
Yeah, I'm looking at it. It's pretty crazy. Uh. They
got a big hole cut in it, and basically even
around the big hole where they cut, you can tell
that the plaster is just drenched everywhere.

Speaker 7 (06:56):
And I think I believe it runs probably straight through
the bathroom because I was complaining about the bathroom ceiling
and they came and just like, I don't know, it
looks like they just painpd it. So I'm waiting to
see if it starts leasing.

Speaker 8 (07:12):
Well.

Speaker 4 (07:12):
Look at so I want to bring into reality a
little bit here. I mean, if they're going to fix it,
there's nothing to do on the patio anymore. I mean,
what are we going to do if they're done working
on it and there was some dust in there? Yeah,
it sucks. I get that. I wouldn't like it either,
But that's done and over. Really, the issue you have
right now is this ceiling. I would assume they would

(07:33):
offer to move you or put you up somewhere.

Speaker 2 (07:36):
Why they fix it? I don't know.

Speaker 4 (07:39):
Look at that, Dmitri, what do you think I mean,
it's big. Do you think that's big enough to where?
Is there more than one picture? Susan or the ticks?

Speaker 9 (07:46):
And we also posted them on YouTube channel the chat.

Speaker 4 (07:50):
Yeah, if you go to our YouTube channel, the one's
a big cutout. But what I'm trying to think is,
I'd like to ask our attorney, Brad O'Brien.

Speaker 2 (07:58):
Let's send these over to Brad.

Speaker 4 (07:59):
I want to ask them, is this something a landlord
should offer to put them up in another place like
either a hotel or another room or another you know,
unit within the complex.

Speaker 2 (08:13):
Or is that asking too much for this?

Speaker 10 (08:15):
I don't know what that looks like to repair? Well, Mark,
I mean, what are the landlord's plan? Are they going
to repair it?

Speaker 2 (08:21):
Yeah, what are they saying.

Speaker 11 (08:25):
From them yet?

Speaker 2 (08:26):
I'm sorry say that again, I haven't.

Speaker 7 (08:28):
They haven't responded to.

Speaker 10 (08:30):
Me yet, so we don't know what they're going to this.
When did they cut this hole open?

Speaker 2 (08:34):
I think last night.

Speaker 7 (08:35):
Last night at eight o'clock. But you can clearly see molds.
So it's been a week. That's been happening.

Speaker 11 (08:41):
For a while.

Speaker 10 (08:42):
Yeah. So is your concern that there is now mold
in your unit or is your concern that you have
to live with this hole in the ceiling forever?

Speaker 2 (08:49):
Probably both.

Speaker 7 (08:50):
My concern is the mold because it's I mean, I've
experienced headaches, I felt sick, I had a doctor's appointment yesterday.
When they were repairing the floor outside they taped the door.
I couldn't come and go out of my house.

Speaker 6 (09:07):
Yeah, this cemeter day.

Speaker 7 (09:10):
You know, the fact that they were using my electric
and just chuckled it off like really burns.

Speaker 4 (09:16):
Me the whole You're just upset all these things happen
at the same time. You know, mold, and I'm not
saying there's not black mold there. I'm not saying there's
not mold that can affect you.

Speaker 12 (09:28):
Want to move? Is that you know constructive eviction.

Speaker 4 (09:31):
You just I don't know if you could do it
or not, because I don't know if that's a valid
reason right there.

Speaker 2 (09:37):
And they haven't said anything because it just happens.

Speaker 4 (09:40):
But I do want to say this with mold, A
lot of times, just seeing mold has a placebo effect,
I think is the best way to put it. You
see it, then all of the start, all of a sudden,
you go, oh, wait, you know I haven't been breathing right.
And that's all of us, I mean, everybody naturally does
something like that. I want to talk to Brad O'Brien.

(10:01):
Let's see what he thinks would be reasonable here. And
I assume he's on the line. Is that correct? So Brad,
hold tight, I'm gonna put our caller on. I'm gonna
stay on track, and uh, we're gonna come back right
after this quick break three oh three seven, one, three eight,
two five five. Get those calls. And by the way,
Kevin was shared in Auto Tech. Uncle Kevin's in, which

(10:24):
is really cool. Any automotive questions you've heard, weird stuff
in your car, anything to do with diagnoses, or anything
to do with purchasing, leasing, you name it, give us
a call three zero three seven one three talk hold.

Speaker 8 (10:38):
Tight, go with a sure thing Denver's Best roofer Excel
Roofing dot com.

Speaker 2 (10:47):
You don't pay a cent until you're content.

Speaker 8 (10:52):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insuring 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 4 (11:15):
All right three oh three seven one three eight two
five five. You been ripped off or taking advantage of?
You need some help right now. We're helping out, Candace.
I got one of our experts on I love the
attorneys we have on referral list. Do you ever need
free legal advice, you call the show.

Speaker 2 (11:30):
You're going to get it. Brad O'Brien. Brad, first of all,
welcome to the show, and I always want to say
this to you.

Speaker 4 (11:35):
I appreciate everything you do, not only for our listeners,
but for landlords around the state of Colorado. When it
comes to helping them write the lease and do everything right.
You you're such a wealth of information. We appreciate you
being part of the show. Let me ask you this
about Candace. Suzanne, did we send Brad the pictures?

Speaker 1 (11:57):
Oh gosh, I'm sorry. I did not send him the picture.

Speaker 2 (12:00):
Brad.

Speaker 4 (12:00):
We're going to send you a couple of pictures. But
in a nutshell, here's what's going on. So she's in
an apartment complex, not a condo or town home, and
the main thing going on right now, a lot of
things happen at once. They were sanding the cement, a
lot of it got into her house, and there was
dust and other things that bothered her. And this all

(12:20):
happened in the last couple of days. But last night,
all of a sudden, water's coming through her ceiling. So
a pipe burst in between her unit and the unit over.
I don't know if it was fresh water, I don't
know if it's sewer water, I don't know what it is.
So they cut out a big hole, and I'm going
to send you these pictures, Suzanne will and I'd say,

(12:41):
looking at it, it's a two x two.

Speaker 2 (12:44):
But her concern is there's mold up there. If she
looks there.

Speaker 4 (12:48):
It looks like it's been leaking for a long time,
because if you look at the pictures the ceiling, even
in spots that doesn't have the hole cut out, you
can still see that it's wet. So apparently when you
look up there, there's mold everywhere. Of course, now that
she sees the mold right through the hole, she's starting

(13:09):
to feel the effects of mold. You know, whether it's
a placebo effect or not, I'm not sure, but you know,
I'm not exactly sure.

Speaker 2 (13:17):
What she wants.

Speaker 4 (13:18):
But at this point, when you look at the pictures,
what should a landlord do? Should they move you while
they're fixing the hole in the ceiling, put you in
another unit, maybe up in a motel? What technically that
you think do they owe her at this minute? Because
it just happened last night. She hasn't even been offered anything.

(13:39):
The only thing that's happened so far is the water
started leak and the maintenance guy comes in. They killed
the pipe, killed the water, and cut the hole in
the ceiling.

Speaker 2 (13:48):
So what are your thoughts just on that well.

Speaker 13 (13:52):
A slot of an apartment or are the rental premises
triggers the warrant, you'd havebit ability statute in Colorado, and
because a landlord is required to provide the safe, habitable
and dry rental premises. So if something like this happens,
the first thing that tenant needs to do is give
notice to the landlord, and that triggers the timeline for
the landlord to respond. It's generally twenty four hours. In

(14:15):
matters of life, health and safety like a flood and
any kind of moisture issue, the statute, the warranty habitability
statute requires the landlord to do a mult test up
front and then required the landlord to respond within twenty
four hours sounds like they did, and then after that

(14:37):
to proceed with remediation. And then they have a reasonable
time under the circumstances to complete the remediation. If the
alternative housing, you know, if they're required to get to
be provided a hotel or another unit somewhere else. That
really depends on whether the flood makes this unit uninhabitable

(14:58):
or mostly inhabitable. So that's a question of fact. So
we just to this point, I didn't hear enough that
they have to be provided a hotel room.

Speaker 4 (15:04):
So talking about a question of fact on the mold test.
I have never heard that before. So they're required because
I mean, you can, according to her, you can see
the mold, and I'm sure she's telling the truth. So
they have to do a mold test. Do they have
to share the results with her? How does that part work?

Speaker 13 (15:23):
Well, it's that she does provide that for upfront. Mold
test is one of one of the initial steps a
landlord has to do, and the statute also provides for
a post mould test after remediation to confirm that there's
no more mold.

Speaker 2 (15:37):
So should she write a letter?

Speaker 4 (15:39):
You said, she really gives notice even though they already
came in and cut the hole out. That's fine, it's
still not fixed. I assume she should give this written notice.
And should she cite what you're talking about, the law
you're talking about?

Speaker 2 (15:52):
What should she put in.

Speaker 4 (15:53):
The in the letter to the landlord and delivered to
the front office.

Speaker 13 (15:58):
Well, it has to be in writing. Doesn't have to
be a letter, just to just the normal way that
the tenant communicates with the landlord where email, it could
be text if that's how they normally talk to each other,
and so there has to be written noticed. So if
she hasn't done so far. She probably ought to confront
just do a confirmation email or something and just to

(16:18):
say what happened and where things are at and no
hotel room requirement triggered if the tenant doesn't ask for it.

Speaker 4 (16:27):
No, oh, that's very curious, Candice, out of curiosity, just
what you've heard so far. And I want to say this,
I think you need to write the email or whatever
however you communicate with the landlord. But I think you
need to actually cite what Brad's talking about when it
comes to the mold testing. I think you need to
force them to do the mold testing that could easily

(16:48):
be three to five hundred dollars, and then they need
to share the results with you. Then you're going to
know if that place is habitable or not. I mean, Brad,
that's a great direction, right.

Speaker 13 (16:58):
Yeah, So you know, look up the warrant, the Colorado
warrantyf Habitability Statue, google it and ask check kept for
the steps you know as far as what a tenant
needs to do, give you written notice or requests the
hotel room and then and then as well as the
remediation test up front, and just create a.

Speaker 4 (17:20):
Paper trailer Cannie, you got any questions, because really that's
where you need to go. And I never did ask
you this. What is your ultimate goal? Are you trying
to get out of there? Or you just want to
make sure you're in a safe living area for you
and your kid?

Speaker 7 (17:35):
Ideally i'd like to I'd like to get out. It's
just been one problem after another. But I'd be happy
if they did a mold test and if there is mold,
then relocate me until you can fix it.

Speaker 2 (17:50):
Yeah.

Speaker 4 (17:50):
Well, and I don't think that would be an issue.
You need to communicate with your landlord exactly. That understand
every step Brad just said, it's pretty simple. Just use
you know, use Google or chat, GPT or whatever you
use for AI. But basically you want to cite. Hey,
these guys you're supposed to do a mold test. I
want to know what's going on here? And how long

(18:12):
is this going to have a hole in the ceiling?
Are you guys offering me another place? But you got
to give the notice you have a problem right now.

Speaker 14 (18:20):
Absolutely, I did.

Speaker 7 (18:22):
I put in. I sent actually an email yesterday just
saying it's one more problem. But I even contacted Yeah.

Speaker 2 (18:32):
But you got it. You you need to request.

Speaker 4 (18:34):
One of the things Brad said is you need to
request another place, whether a hotel room or another unit.
They don't have to do anything until you even request it,
So you might want to request that in a different
correspondence you do today, But tell them you want a
mould test done, and according to the Habibility Act in Colorado,
because it's wet, they have to do a mold test.

Speaker 7 (18:57):
Okay.

Speaker 2 (18:57):
And then the other thing.

Speaker 4 (18:59):
Hey, Brad, this is a little thing, but when they
were doing work in the common area everybody pays their
own electricity there, when they were standing and having all
this equipment on the patios out front of the home,
her home, they're plugged into her electric Now, I don't
think that would be that big of a deal in
the overall picture, how much power they consumed and charge her.

(19:23):
But they kind of blew it off like too bad,
So said, I mean, I mean, what are your thoughts.

Speaker 2 (19:27):
I don't even know.

Speaker 4 (19:28):
It might only be a dollar or two, but it
pissed her off because they're using her electricity. She's already
had all these other problems with them, and now they're
using her electricity to sand common areas.

Speaker 2 (19:41):
Do you have any thoughts on that.

Speaker 13 (19:44):
Well, she might be able to document the increase based
on the bills, you know, if you could show something
as measurable. I don't make a request for a few dollars, Yeah,
make a request. No one's going to record over a
dollar electric bill.

Speaker 2 (19:57):
Hell no, that would cost you a lot. Go ahead
to major.

Speaker 5 (20:01):
Mark.

Speaker 10 (20:01):
It sounds like Candace actually said, and correct me if
I'm wrong, But I think I heard her say the ideally.

Speaker 5 (20:06):
She would move out.

Speaker 10 (20:07):
Yes, she wants to get someplace else. So when does
the lease expire? That's question one?

Speaker 2 (20:12):
Probably six months ago two?

Speaker 5 (20:14):
Mark.

Speaker 10 (20:14):
I mean, I think this sort of complaint, the legitimate
complaint or a series of complaints that Candace has against
the landlord, might be leveraged she can use just to
get out of the lease. What are your thoughts on this, Brad?

Speaker 4 (20:26):
I want you to chime in there, But I would
assume at this point, just all the calls, and as
many times as I've talked to you about other calls
that have to do with basically self evictions, I don't
think they've crossed into that threshold where she could do
a constructive eviction.

Speaker 2 (20:45):
I don't know what are your thoughts?

Speaker 13 (20:46):
What are your thoughts, Well, everything is negotiable, so she
can negotiate. And that's a good argument, a decent argument
that hey, this is just one more thing, and here's
the previous things that are wrong with this apartment. But
the warrant you've habit ability statue does not really address
accumulative effect of a whole bunch of different things. That's
really this issue. Is this issue enough to cause a

(21:06):
termination of the lease? Now, if the landlord fails to
respond and remediate, then the tenant can use that death.
Don't you to go to court to get the constructor
or to that the lease is just terminated under the statute.

Speaker 10 (21:19):
Go ahead, and Mark and I think Brad and I
are going in the same way, which isn't too to
precipitate constructive emission issue claim, but just to use as
a negotiation tactic to say, look, you know, if you
can't fix this right away, just let me out of
the lease. I'll go find someplace else to live.

Speaker 2 (21:35):
Yeah.

Speaker 4 (21:35):
So, so, Candice, I appreciate you calling in. I assume
he gave you a lot of information in a great direction.

Speaker 7 (21:43):
To go absolutely. I do have one question. I know
they have mold tests that you can buy like a hardware.

Speaker 4 (21:51):
No, these guys have to do one the mold test
today's hardware. Okay, go ahead, I'll let I'll let Brad
chime in there. What do you think there? I don't
even know if those tests are good. I know nothing
about them.

Speaker 13 (22:02):
I've just heard that they're not worth much. Yeah, that
you really ought to Okay, call professional company that does
it the right way, sends it out to a lab,
you know.

Speaker 10 (22:09):
And we have a company that does just that, Genesis
the Marcus certified. He took classes.

Speaker 4 (22:14):
But no matter what though, it's two to five hundred
bucks where these guys have to do it. Yeah, and
it's gonna be on their dime. Push him on that, Candas.
I would love to hear back from you what ultimately happened,
and if you need other help, feel free to call
back anytime.

Speaker 2 (22:31):
Three zero three Martino.

Speaker 4 (22:32):
And by the way, everybody out there, Brad O'Brien, I'm
gonna give you his website.

Speaker 2 (22:37):
Put landlords out there. I promise you.

Speaker 4 (22:39):
If you do not have a rock solid lease, if
you haven't updated your lease in years in Colorado, the.

Speaker 2 (22:46):
Changes are incredible.

Speaker 4 (22:49):
You need to reach out and talk to Brad and
if you have a dispute with a neighbor like a
fence line, or if you're fighting eminent domain because the
city wants to take your property, pretty much much anything
you could imagine when it comes to commercial in residential property.
He's the guy Olslaw dot com. Thanks, Brad, We'll be

(23:11):
right back. Three oh three Martino, get those calls in.
I get Kevin cock and wanting to do something, call.

Speaker 8 (23:17):
Down, Go with a sure thing Denver's best roofer Excel
Roofing dot com.

Speaker 2 (23:25):

Speaker 8 (23:28):
Wait time for an insurance check up free no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three oh three,
seven 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 4 (23:51):
All right, three O three seven one three eight two
five five. You got any questions? Hey, Deputy dot joins
us he hasn't been in for a while. Deputy Doc
looks like a mountain man. Now if you join us
on our YouTube station. My god, Susanna, what do you
make of that?

Speaker 1 (24:06):
I kind of like the bearded look.

Speaker 2 (24:08):
I like you too.

Speaker 9 (24:09):
I'm partial to facial hair, though, except on you, Yeah,
except for on me.

Speaker 2 (24:14):
Right, What do you guys say? Kevin? What do you
think of Deputy Doc in this mountain man look? I
like it.

Speaker 4 (24:19):
He looks rugged, He looks like he should be out
there swinging an.

Speaker 1 (24:23):
Axe like a lumberjack.

Speaker 4 (24:26):
Like a lumberjack, and you know I would too. You
know he doesn't dye his hair either. Ever, Yeah, your
MIC's not on, Kevin Well. I think it's more of
a hat than a hair, you know. Yeah, I'd like
to know what people think if you go to YouTube,
type in Troubleshooter network.

Speaker 2 (24:46):
Do you think, Doc? Do you mind if I say
your age?

Speaker 6 (24:49):
Doc?

Speaker 4 (24:50):
Eighty seven eighty one? I just aged the poor guy
by six years eighty one? He says, he never dyes
his hair, right, Doc?

Speaker 5 (24:59):
Absolutely?

Speaker 2 (25:00):
Yeah?

Speaker 4 (25:00):
Look at his hair. It's like his hair, there's not
one gray thing in there, and it's full. It's pretty.
He says, Hey, you're being serious. You've never died.

Speaker 11 (25:11):
It, and I wouldn't if it's gray at eighty one.
What's the point.

Speaker 2 (25:15):
How the hell is his hair like that did eighty one?
You know every I am jealous.

Speaker 4 (25:19):
I'm fifty four, but I started gray and one like
at forty.

Speaker 2 (25:24):
I don't think about that.

Speaker 10 (25:26):
Look at his head.

Speaker 11 (25:27):
Every uncle on my mom's side had a full head
of hair as long as they lived.

Speaker 2 (25:33):
A full head? How about gray?

Speaker 6 (25:34):
Though?

Speaker 2 (25:35):
They must have been gray? What is that?

Speaker 5 (25:37):
Gene? Is a gene?

Speaker 10 (25:38):
I mean, it's like anything else.

Speaker 2 (25:40):
They got to pull that out of you and sell it.

Speaker 4 (25:42):
That could be that could be your family's retirement forever.
And if they can figure that out, do those r
M d A pull it out, get it and then
inject it at other people and they have a perfect
head of hair into their nineties.

Speaker 1 (25:56):
Looks like he has luxurious hair.

Speaker 2 (25:59):
No, his is gray, silky, and.

Speaker 10 (26:05):
I used the cheapest shampoo you can find, Okay, like
ninety nine cents for a pint two and one from Costco.
It's like this big.

Speaker 2 (26:14):
It lasts me a year.

Speaker 10 (26:17):
Yeah, I don't do anything special. I'm just I'm I free.
We admit, I'm just very lucky. I got my all that.

Speaker 11 (26:24):
Speaking of Costco, I have to brag about something. Yeah,
I went last week to return something and I walked
out without purchasing a single item.

Speaker 2 (26:33):
Oh wow, that is I don't think I've ever done
that at Costco before that.

Speaker 11 (26:37):
When I went to get my hearing as checked, I
walked in, walked out with two hundred and fifty seven dollars.

Speaker 6 (26:43):
Yeah.

Speaker 5 (26:43):
Stuff.

Speaker 11 (26:44):
But last week I actually walked out without buying anything.

Speaker 4 (26:47):
You know, we had we get like I think it's
five percent back on the executive membership, and they'd been
sending us our five percent back each year in the mail,
but they were sending it to a place we haven't
lived for ten years. So we were in one day
returning something else and they're like, oh, I see there's
a bunch of checks here for you, And I'm like,

(27:08):
what are you talking to?

Speaker 13 (27:09):
Mark?

Speaker 4 (27:09):
Yeah, they kept track of everyone over the years that
was never cashed and cut us to check within a
few days and send it to the right address.

Speaker 2 (27:17):
For like three thousand bucks.

Speaker 4 (27:19):
It was like Christmas Now. Yeah, it's basically a free membership.
Yeah it is, you know, easily, it's a free membership.
We just used Costco travel. By the way, people out
there that have never used Costco Travel, they're incredible. During COVID,
we had a we booked it before COVID, so before
say March twentieth or May twentieth, whatever it was, when

(27:41):
Trump shut down the airports and everything, But we actually
had a two or three.

Speaker 2 (27:47):
Week It was a long lend.

Speaker 4 (27:48):
Yeah, I think of three week Kawhi, three different islands.
We had this all booked out, and we were taking
calls on the show everywhere all these people that booked it,
and because technically the island was still open. But if
you remember, if you flew into Hawaii for a couple
of years, then you had to sit.

Speaker 2 (28:05):
In quarantine for over fourteen days.

Speaker 4 (28:09):
And most people don't go to Hawaii over fourteen days.
So basically, if you did decide to go, you're trapped
in a room.

Speaker 2 (28:16):
And they were prosecuting people that would leave. It was
no nonsense.

Speaker 4 (28:21):
So we had so many people calling in using other
travel people they never got a refund.

Speaker 2 (28:26):
They never got anything.

Speaker 4 (28:27):
Costco Travel full refund for really good fun. If you
look cheap for rental car, oh, rental cars are dirty.
Put their packages with airfare, especially to overseas or Hawaii.

Speaker 11 (28:42):
When I went to my healing test at Costco, I thought, okay,
they're gonna, you know, just turn.

Speaker 5 (28:47):
Into They spent thirty five minutes.

Speaker 2 (28:50):
Checking my hearing and it's free, right, Yeah I could.

Speaker 11 (28:52):
I mean talk about an extensive and really professional job
and it was didn't cost anything.

Speaker 1 (28:59):
That's awesome. I love that.

Speaker 2 (29:01):
Yeah, I love Costco.

Speaker 4 (29:02):
I wish they would actually up their technology compared to
Sam's Sam's, I can walk in, scan anything on my phone,
hit pay scanning, go mark Yep.

Speaker 2 (29:11):
Scanning goes on.

Speaker 4 (29:12):
I walk out and you don't even got to talk
to anybody. They don't have to touch the receipt.

Speaker 12 (29:16):
It's almost you get when you try. You have you
ever missed one?

Speaker 4 (29:21):
Uh?

Speaker 10 (29:21):
We missed frog food.

Speaker 2 (29:22):
One time.

Speaker 4 (29:23):
We had two bags of dog food and it caught
us yep, it literally said, And I was like, wow,
that's impressive. Because you walk under this arch and the
arch uses RFI D, which is on everything they sell now,
so it's not a photo or a camera. But when
you bring that basket under, and it doesn't matter if
you have five baskets one every single item. You could

(29:46):
try to hide something in the middle, I guess if
you wanted to, but it wouldn't matter. It's our FID,
it's gonna pick it up, and then it instantly looks
at the app where you paid for it and make
sure everything's there, and then they wave you right through.

Speaker 2 (29:59):
But yeah, one I missed.

Speaker 12 (30:00):
I missed one too. It's embarrassing.

Speaker 1 (30:02):
It is like you're trying to pull a fence.

Speaker 10 (30:05):
There was a.

Speaker 12 (30:06):
Turkey at Thanksgiving right in the middle of the shopping cart.

Speaker 10 (30:09):
I don't know why I missed it.

Speaker 2 (30:11):
Oh my god.

Speaker 4 (30:11):
So I would think, okay, so when it's dog food
or a turkey, they're probably going, oh, they just missed it.

Speaker 2 (30:18):
But like if you had.

Speaker 4 (30:19):
Like an electronic or something kind of buried in the middle,
that's someone trying to get away with something. If it's
the most expensive item in your cart and you don't
scan it, then you start going mark.

Speaker 10 (30:32):
I used to. My first job when I was sixteen
years old was lost prevention security at kmart. Oh my god,
Evans and Federal of all places specials. I had to
announce the blue light specials because I was one of
only three people that spoke English and fluidly in the store,
no kidding. So I would announce the blue light specials
and then I'll go back to catching shoplifters and That's

(30:52):
exactly what I observed was when somebody had one item
that wasn't paid for because that was before self checkout,
but that was always the most expensive item in the
entire cart.

Speaker 4 (31:03):
So the biggest thing back in the day before technology,
so say eighties and even up to two thousand and
the nineties, the biggest thing people dealt with. I was
in a grocery store and I was a stock manager
at sixteen and seventeen, and one of the things where
a checker would be in cahoots.

Speaker 2 (31:22):
So what they would do is they'd go up with.

Speaker 4 (31:24):
The basket of groceries and say it had a bunch
of steaks. The can of soup would get scanned or
it would get hand keyed in depending on what year,
and then the steak would suddenly miss the scanner and
end up in the bag. So when the checker was
involved and their friends came in, that was the big
steal back then. Oh yeah, and the places like I

(31:45):
don't even know if Walmart was everywhere at that point,
but I can't remember. I can't remember the name of
the store that was telling me about it. It was
next to us, but it was like a Walmart, but
it wasn't a Walmart, and they would have phones, and
cordless phones were really expensive back then. You know, one
hundred and fifty bucks for a cordless phone, not a
cell phone.

Speaker 10 (32:05):
Oh actually cordless house.

Speaker 4 (32:06):
One hundred cordless hardy and so that was really bad.
Now listen, I got to take this break.

Speaker 2 (32:11):
But coming up. First of all, we got lines open.
Love to hear from you on any questions.

Speaker 4 (32:15):
You have three oh three seven one three A two
five five three oh three Martino.

Speaker 2 (32:19):
But after the break, it is eleven o'clock hour.

Speaker 1 (32:22):
Right be coming up on the eleven o'clock out, So.

Speaker 4 (32:24):
We're going to have someone from wallet Hub. I read
a horrible, horrible article about Colorado and wallet hub. By
the way, if you don't know who the people at
wallet hub dot com are, just go there right now.
These guys are incredible. I've been using them for years
for credit cards. And what I mean about that is
if you want to rewards card, they can compare every

(32:47):
single one out there. But they also basically want to
protect your identity.

Speaker 2 (32:53):
That's another thing they do.

Speaker 4 (32:55):
And this isn't a sales pitch at all, but the
article I read by them, Listen to this man, were
number eight for foreclosures right now Colorado in the country
for up and coming foreclosures, And I want to actually
get from their expert that did this survey or did
these actuarials. I'm not quite sure. We'll ask them where
did these numbers come from? And are these people that

(33:16):
literally have already been foreclosed on in other words, too late,
too bad? Or are these people that are in foreclosure?
But we're number eight and then our credit card debt
is extremely high. And I want their thoughts from a
company that this is all they do of what's going on.
But I got to take this break. Three oh three Martino.

Speaker 8 (33:39):
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(34:01):
com to list your home with Remax Alliance three all

Speaker 2 (34:11):
All right, three, all three seven, one three, eight, two
five five.

Speaker 4 (34:13):
We're gonna have the guys who's coming up with wallet Hubs, Suzanne,
you know their name.

Speaker 1 (34:17):
I know his name. It is Chip Loopo.

Speaker 9 (34:20):
He is a writer and analyst for wallet hub, and
we're looking forward to having him.

Speaker 2 (34:24):
All yeah, big time.

Speaker 4 (34:25):
We're gonna be talking about foreclosures right here in Colorado.

Speaker 2 (34:28):
Number eight and then credit card debt.

Speaker 4 (34:30):
I think we're number one or two in the country
on credit card debt.

Speaker 1 (34:33):
How does that happen? Mark?

Speaker 4 (34:35):
I don't know why Colorado, though I get that there's
financial issues right now, especially with gasoline prices that basically
inflates everything.

Speaker 2 (34:43):
I mean, that's one of the biggest things energy with inflation.

Speaker 4 (34:46):
But I wonder why Colorado well over everybody else.

Speaker 2 (34:50):
I mean that's the part.

Speaker 4 (34:51):
And you sent me an article not long ago that
had something to do with debt in Colorado.

Speaker 10 (34:56):
Yeah, that was about debt in Colorado, And well it's
actually about debt new Nationally. Consumer debt is huge, and
the consumer defaults is the highest level. In fact, they
matched the level.

Speaker 4 (35:07):
Of we're gonna hear if this guy thinks another eight's
coming in, anybody, hang on we do have lines open
three oh three seven one three talk.

Speaker 8 (35:22):
Time for an insurance checkup free, no obligation. In comparison,
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only

(35:44):
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 9 (36:00):
News. You don't have.

Speaker 3 (36:05):
Come running just as sass as we can. Shooter's gonna help.

Speaker 10 (36:10):
Come man.

Speaker 15 (36:12):
This is the Troubleshooter Show Now Tom Martine, welcome my friends.

Speaker 2 (36:18):
Tod only show.

Speaker 4 (36:19):
If it's camera here to soelth problems, answer questions to
take complace. By the way, it's car today. Any car
questions you have, get them in. We have got Kevin
Calkins shared in auto Tech. I also have Deputy Dmitri
and that deputy doc joining us in studio today, my.

Speaker 2 (36:35):
Lovely wife Susan, and then on the other side of
the glass.

Speaker 4 (36:38):
We got axe Man taking your calls and reaching out
to businesses that we have issues with. And of course
Shannon Shannon bo Bannham, Shannon Smart, He's been here. Shannon
has been in this building from day one. And I
think this building was two thousand and oh one. The
phone number simple three oh three, Martino three zero three

(36:59):
seven one three A two five five. Don't forget help
at troubleshooter dot com. You need help, we want to
talk to you. We have already helped someone today with
legal advice and I'm going to go to our guest
here in one second. But I did learn something in
that first call. I did not know if there was
water damage, a landlord has to get a mold test

(37:19):
if the people ask for it.

Speaker 2 (37:21):
I did not know that. Did you know that?

Speaker 4 (37:23):
To me, Treh I that was the best piece of
information I have heard in a while, because we get
that call all the time with apartments, and when we
actually get like Mark On or Schamansky with Genesis Total
Exteriors or other experts like back in the day Rock
that's a three to five hundred dollars test and they

(37:43):
have to do it. That was such great information and
I'm glad we learned that. That's why this show's so great.
It's not just recouping money off a piece of crap
contractors that take it and go, but it's literally the
education benefit. Now we have Chip LOOPO and he is
with wallet Hub. Hey, Chip, I appreciate you coming on.

(38:06):
I reached out to one of your cohorts there and
they put us in touch with you, and the main
reason I did. And I'm not sure if you wrote
the article or did the data digging, but I read
an article last week or actually this week a few
days ago that Colorado with four closures is number eight
in the country. Are you the one that did the

(38:29):
data dig on that or how were you involved in this?

Speaker 5 (38:33):
Well?

Speaker 14 (38:34):
Tom, first of all, thank you for having me on
and you spoke to Diana who put due in touch
with me. Sure, I don't necessarily write the articles. We
have a data team, a crack data team that crunches
the numbers. We have a gentleman who writes the articles.
I'm merely the spokesman that comes on to out lists
like yours and just to break it down and then
plain in English for your audience.

Speaker 2 (38:53):
I love it.

Speaker 4 (38:53):
And by the way, my name's Mark. Tom is out today,
So I want you to know that Chip, that's.

Speaker 1 (38:58):
My bad ship. I'm sorry.

Speaker 2 (38:59):
Yeah, yeah, it's not a big deal.

Speaker 5 (39:01):
I'm with Mark.

Speaker 4 (39:02):
Yeah, I've I've been doing the show with Tom forever.
Sometimes I'm here, sometimes he's here. Sometimes we're both here.
So let's dive right into that. So when they talk
about foreclosure in Colorado number eight, first of all, I'm
curious who number one is, but kind of because of
our audience is mainly in Colorado. Are these people that

(39:22):
have already gone through foreclosure and they're done, they're homes gone,
they're out of the house, or are these people that
are currently in foreclosure? What exactly are we talking about.

Speaker 14 (39:34):
Well, Mark, what the numbers are now? Actually in terms
of foreclosures and cell we're talking about filence per housing units.
Colorado is kind of right now in the middle of
the pack about twenty six highest. Where Colorado needs to
be concerned is the rate of increase over these foreclosures.
And this is an alarming number because it's gone up

(39:56):
like three percent within the past year, because they're currently
sitting at about about five percent.

Speaker 6 (40:04):
Now.

Speaker 14 (40:04):
These are loans that are mortgages that are delinquent, which
of course is the first sign of potential foreclosure. But yeah,
there does definitely need to be cost for an alarm for
foreclosures in Colorado with the rate of the foreclosure.

Speaker 2 (40:18):
And you know what, I'm reading that now.

Speaker 4 (40:19):
It's exactly what it says, increasing the most, and it
goes Vermont, Delaware, Louisiana, Montana, blah blah blah, Colorado. So
you're saying, compared to last year, our year over year
increase in foreclosures is what's super concerning right now.

Speaker 14 (40:36):
Yes, and that could be for any number of reasons.
Higher mortgage rates obviously, I mean, and of course Denver,
Colorado are very hot, real estate market prices are high,
and then of course all the other ance, insurance, the
tax costs, you know, closing costs. It's people who when

(40:57):
you're shopping for how people just look at the sale
price and cannot to cite a factory at all the
other costs to go with it, and that's when they
quickly find themselves in trouble.

Speaker 4 (41:06):
You know, I was reading a local article exactly what
you're saying. I was actually looking at it this morning.
A lot of new home buyers they'll qualify for X amount,
and they're going, okay, the mortgage payments three thousand a
month or whatever it happens to be. Then what they
don't realize is the cost of insurance. Now, a lot
of times that might be added into the mortgage payment,

(41:29):
but a lot of times it's not. Typically, if you
go through a big lender like CMG, they'll give you
the option if you have twenty percent down, if you
want taxes and insurance basically held back, But a lot
of people don't because they don't want to have to
come up with that every month. They might use their
bonus money to pay for it. But it's remarkable if
you've got three thousand a month in a mortgage payment,

(41:51):
by the time you add property taxes, you add insurance,
you add HOA if you have HOA, and then you
adds maintenance in upkeep, holy crap, you could be over
three thousand dollars in that. So when you're looking at
this data, this growth we're having on foreclosures, here is

(42:12):
what is your gut or what is the data actually
say why this is upticking? Is it credit card debt
and they run out of that, they run out of
credit card space or what what are you seeing that's
causing this, Well, that's.

Speaker 14 (42:27):
Part of the problem, the credit card debt because well
and now as far as the mortgage is the escrow part,
that's the major culprit there.

Speaker 6 (42:35):
It's because the.

Speaker 14 (42:38):
Homeowner's insurance has gone through the roof. And depending on
where you live, your property taxes, if you live within
the city limits, you're paying city taxes on top of
county taxes, which tend to go up every year, and
that kind of catches people off guard. So my suggestion
would always be the if you're able, just to fold

(43:00):
it all into one payment, I mean, if you're if
you're not very good at budgeting, yeah, I have it all.
Put it into one payment. So that way, at the
end of the year or whenever you.

Speaker 2 (43:10):
Don't have to come up with the tax or insurance bill, you.

Speaker 14 (43:13):
Don't have to come up with and this already rolling in.

Speaker 4 (43:16):
You know, we we've actually we've actually taken calls recently.
About two years ago, Governor Polish just screwed us, I
mean absolutely screwed us.

Speaker 2 (43:28):
Yeah, exactly.

Speaker 4 (43:29):
He got rid of this Gallagher Amendment and basically promised
it would lower property taxes. But ultimately the year after
they doubled mine literally, well, I won't say doubled, but
they were, oh my god, very.

Speaker 2 (43:41):
Close to doubling.

Speaker 4 (43:42):
A lot of people out here that say, had four
thousand dollars a year and now it's six or seven.
And the funny part is when you do have that
holdback in your mortgage each year, that mortgage company looks
at it. And then on top of that, with all
the hailstorms we have in the cost of insurance and
then fires like the ball Older fire we had a
few years ago. If your mortgage payment with everything in

(44:04):
there right now is that four thousand dollars a month,
and all of a sudden, your insurance goes up, the
taxes almost double because of Polish bam, your bank will
come to you, your mortgage company on.

Speaker 2 (44:17):
Say hey, hey, hey, next year, your.

Speaker 4 (44:19):
Payments are going to be five thousand, not four thousand,
And I bet that creates some of these foreclosure issues
as well. They were never banking for that. They literally
thought that payment for thirty years was going to be
that four thousand, not the five thousand.

Speaker 2 (44:34):
Do you see that happening.

Speaker 14 (44:36):
Definitely see that happening, particularly in areas well. I'm here
in Columbia, South Carolina and we are positioned in tornado
or Hurricane Alleen, and we are still feeling the effects
of Hurricane Hallen from a year and a half ago.

Speaker 6 (44:52):
Not so much that even blew.

Speaker 14 (44:53):
Through here, we got plenty of rain, but when local
areas and schools are getting demolished from hurricane winds, and yeah, everybody,
everybody pays the bill. When insurance company writes a check,
everyone else is going to be rushing to check on
top of it.

Speaker 4 (45:08):
You know, were you were you in the data business
or did you even go back and look like the
housing crisis we had back in say, oh wait, did
you are you seeing very similar things going on? And
I don't want to get too political on this, but
with gasoline prices right now, does that seem to be
driving a lot of this ultimately? I know consumer outlooks

(45:30):
sucks right now because of energy costs, but it would
seem to me that's so new because of the war
that's really not baked into this yet right now.

Speaker 14 (45:40):
In terms of the two thousand and eight now that's
the benchmark for financial distress, We're we're still below those
those ere and numbers, but we could be on a
path to that I mean, I could definitely see this
on a task.

Speaker 4 (45:55):
Okay, hold on, let me take this break, and when
I come back, I want to talk to you about
those key into caters, Like what what do you see
now versus eight? Because that's great, because really that is
the benchmark. I can't think I was born in seventy
two and I can't think of a worst economy. Well,
I guess I was so little back then. We had
Jimmy Carter, but I don't remember that. That was my parents' fight.

(46:18):
That was their monkey, their circus, not mine. So I
would be curious are we seeing the same indicators and
what he thinks is going to happen? Hold tight three
oh three seven one three eight two five five.

Speaker 8 (46:35):
dot com.

Speaker 2 (46:39):
You don't pay cent until you're content.

Speaker 8 (46:42):
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call compass insurance paying too much your coverage at dozens
customer when you choose Frank durand the Real Estate Man
dot com list your home with Remax Alliance three oh

Speaker 4 (47:05):
All right, three oh three seven one three eight two
five five three oh three Martino. By the way, real quick.
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Simple as that waterpros dot net. I'm gonna go back
to Chip. He's with wallet Hub, and we've been talking
about Colorado is now number eight in growth on foreclosures.
So in other words, you know, we're number eight out
of the Cory on more percentage of people getting foreclosed

(48:04):
on year over year.

Speaker 2 (48:05):
Hey, Chip, that was year over year right now? Month
after month? What was it?

Speaker 13 (48:10):
Correct?

Speaker 14 (48:11):
The month to month was actually there was kind of
a net lost there in month to month, so there
was some good news there. Yeah, but again year to year,
that's that's the alarming number.

Speaker 4 (48:22):
Now looking back at eight when honestly where we lived
in Castle Rock, which is you know, kind of the
suburbs out here. It's in between Colorado Springs and Denver,
but it's a big community, it's huge, it's growing. But
in eighth nine, we probably every four fifth, every fourth
or fifth house was under foreclosure. It was absolutely crazy.

(48:43):
And what we saw back then, Chip and tell me
if you kind of saw the same data nationwide. People
for whatever reason around two thousand, they started digging into
these kind of lower interest rates that were going and
they were taking cash out of their house. They ended
up up taking so much cash out of their house
by refinancing. Not only were they resetting the thirty year

(49:06):
clock and paying all that upfront interest again, but they
were kind of slowly selling their house over the time,
so when all of a sudden they couldn't afford the
payment because they got laid off in O eight. I know,
in the industry I was in at the time, automotive,
it was horrible. Our sales at our Goodyear stores dropped.

(49:27):
I mean it was like thirty forty percent, but the
mortgages didn't drop, and nothing else dropped, none of the
cost drop. But kind of trying to stay on track here.
What I think happened in WIT was a big part
of it is people already took all the money out.
So when the housing market dropped and they lost their job,

(49:47):
a lot of people couldn't even sell their house and
pay off the mortgage because the house wasn't worth what
they owed on the mortgage because they took all the
money out over time.

Speaker 2 (49:58):
Did you see that nation wide?

Speaker 14 (50:01):
That was a trend ind and what kind of what
triggered that people were forced And it's kind of like
where we are now touched in a second. But when
the when the dot com bubble burst, people lost fortunes.
So this was how they went about trying to supplement
their income. And then fast forward to the mid two

(50:22):
thousands where banks were giving out loans to people who
couldn't pay them back. So you have like this perfect
storm and that's eventually what led to this housing crash
in two thousand and.

Speaker 2 (50:36):
Eight, which was the purpose.

Speaker 4 (50:39):
Hold on, I want to stick on something you just said,
and I remember that.

Speaker 2 (50:42):
Man, it was crazy.

Speaker 4 (50:44):
I'm trying to think of one of the companies I know,
wells Fargo had a lot of loans out there, a
lot of foreclosures. They were doing a lot of tactics
to get countrywide.

Speaker 2 (50:53):
Was a huge one dock and there was another one.

Speaker 4 (50:56):
It was yellow. I can just picture. They actually had
branch is, but it was yellow. But anyhow, why were
people lending out? Why were banks allowing these loans? You know,
people buying a half a million dollar house back then
that made forty thousand a year. I mean, why did
they even allow it? What was the endgame there?

Speaker 5 (51:16):
Like?

Speaker 4 (51:16):
Were they just duped by these people, these mortgage brokers?
Were they were the banks duped? Was a money duped?
Was it done intentionally? What do you make of that?

Speaker 14 (51:27):
Well, well, so a lot of them were.

Speaker 13 (51:30):
More or less.

Speaker 14 (51:31):
You had this thing, this legislation called the Community Reinvestment Act,
And in a lot of these cases, a lot of
these banks were doing so with the pressure of government behind,
forcing them to loan money to people that knowingly couldn't
afford in an attempt to more or less establish affordable housing,
to make more loans more accessible to everyone. So in

(51:54):
a lot of cases. Now, of course, even within that context,
there's always going to be some unscrupulous lenders that are
going to come in there and take advantage of that situation.
And on top of that, you have the explosion of
these payday loans with an extraordinary high interest rate. So yeah,
we need extortion, yes, And whenever you have a situation

(52:14):
like there's always going to be some unscrupulous types. They're
going to come in here and try to take advantage
of it.

Speaker 4 (52:19):
So okay, so let's go back to this though So
eight and all the signs that you we can all
see in hindsight, what is similar?

Speaker 16 (52:29):
Now?

Speaker 2 (52:29):
What is different?

Speaker 4 (52:30):
Is there anything so different we shouldn't be worrying about
some huge housing bubble again or what are your thoughts
on that? And I really am talking Colorado because we
are unique.

Speaker 2 (52:41):
We're looking for a home, for.

Speaker 4 (52:42):
Example, out in Louisiana, kind of a second home, and
rates not rates or interest rates, but pricing is falling
out there. We're here in Denver Metro it's staying pretty even.
So we're kind of in our own little bubble, if
you will, so give me thoughts on that right now?

Speaker 14 (52:59):
In terms of where we are now. I wouldn't necessarily
call it a housing bubble because we just talked about
some of the cause and effects of what led to that.
But I think we are on the verge of a
credit bubble because people now is tied back and we
were just talking about a second ago now in this
posted COVID, this post co inflationary economy, when you had

(53:21):
inflation rates that were not rate wages not keeping up
with greater inflation, people were relying more and more on
credit to supplement their incomes. And we're still at a
place and where a lot of people are digging themselves
out of that debt. At interest rates with an average
of about twenty two percent on a credit card.

Speaker 2 (53:41):
Now that's average.

Speaker 14 (53:42):
That's assuming that you have good credit credit, You're going
to be paying a much higher interest rate, which ties
into another problem, which is financial literacy. Too many people
use credit cards without knowing truly how they work. That
you make them in them payment and then wonder a
year or two why they're why the credit card balances
haven't gotten smaller.

Speaker 4 (54:02):
Chip, I want to interrupt on something because what you
just said is baffling to me. But I lived at
firsthand through my son. So, my son is just turned
twenty six, and we brought our kids up. We brag
about the highest credit score in our house.

Speaker 1 (54:18):
We compete in our family.

Speaker 4 (54:19):
May they know about interest? They understand if you put
some on a credit card, you pay it off at
the end of the month. You never want to pay interest.
You basically use a credit card for points or rewards.
But I was shocked when he was home. He lives
in Nebraska. He was home for a few days. I
don't know, a couple months ago. His friends same age.

(54:40):
In fact, two of them are older than him. Once
twenty seven, one's twenty eight. They had no idea that
minimum think of this, a twenty seven year old had
no and the kids smart. I've known the kids since
he was five. It's crazy. They had no idea that
minimum payment had interest on it. How do kids literally

(55:01):
at that age have no idea what.

Speaker 2 (55:04):
Interest rate is? They have no idea. They're absolutely clueless.

Speaker 4 (55:08):
When did that happen? Ship Like, do they not teach
this in basic high school?

Speaker 2 (55:13):
Like you would always.

Speaker 4 (55:15):
Think they would teach this. I'm pretty sure they don't
teach this in high school. And a lot of parents
think of this kid. If I didn't sit this kid
down and tell them and tell them what's going on, he.

Speaker 2 (55:27):
Would have never have known and never told his kids.

Speaker 4 (55:30):
What are your thoughts on that? What are these stupid
people were raising? And I don't mean that like, why
are they so ignorant?

Speaker 14 (55:38):
Well, you hit on a key point. Their financial literacy
is not being taught in the schools. We actually put
out a study a week or so ago about the
states that promote budget education, the best states for that,
and this is simply.

Speaker 4 (55:51):
Not part of a lot of where's Colorado come into that?
If you even have that data in front of you.

Speaker 14 (55:56):
Colorado was pretty was pretty decent.

Speaker 2 (55:58):
If I remember that, that's good.

Speaker 14 (55:59):
They weren't above average at least in terms of requiring
at least one personal finance course in economics force to
graduate from high school. That's smart, But it's just not
even being taught at that level. And I my parents
were the same way. How many times have you heard
apples don't money doesn't grow on trees?

Speaker 5 (56:17):
Yeah?

Speaker 14 (56:18):
Have you heard that one before?

Speaker 2 (56:19):
So you know there's kids we're hearing that. We'll get there, right,
we'll get back on track.

Speaker 4 (56:26):
But there's kids that are in their late teens, maybe
in college that literally don't even understand a checking account.

Speaker 2 (56:32):
They don't know.

Speaker 4 (56:33):
They just think you sign your name and magic money
appears and you get the product. They really don't understand
there's a deduction from the bank account there. I mean,
it's it's quite remarkable how bad we are in that.
I almost wonder is that by design? Once again, I
don't want to dig into politics, but I'm curious on
this chip knowing that's a big problem because you guys

(56:55):
just do these data digs knowing that's a big problem
and it's not being taken care of. It's nice to
know some schools do require that, But do you think
that could possibly be the teachers union wants to basically
create morons, or like they're working for the credit card people,
or you know, I know credit card people show up

(57:17):
on campuses and try to get these kids into credit
cards like candy thinking, you know, if it all goes
to wry, the parents will pay the debt back. But
I mean, why do you think we allow all that stuff?
Why do you think colleges allow that? Why do you
think high schools don't teach it? Do you think it's
some kind of propaganda.

Speaker 14 (57:35):
Well, I think there is a tug of war between
parents and school districts because school districts have limited budgets
and limited curriculums. Now now, depending on your lobbying how
much lobbying power you have in a lot of school districts.
You know, drag queen reading hour is much more important
than teaching teaching a kid how to create a simple budget.

Speaker 2 (57:53):
That's crazy. That no, it's crazy. I mean, honest to god,
it's crazy.

Speaker 4 (57:57):
And even without using a drag cor or you know,
any kind of wack on this if you and I'm sorry,
that's just kind of how I think about it.

Speaker 2 (58:06):
But even if it's bowling.

Speaker 4 (58:07):
Like I know people that used to get credits in
college for bowling where they could be learning about debt.
I mean, it's kind of crazy no matter what it
is that they don't do it. But kind of back
on track with the overall debt and credit cards your
your biggest fear, not only in Colorado, but how do
people get out of that? If they're listening right now

(58:28):
and they're like, yeah, you know, I've been paying the
lowest amount on my credit card. We've already taken money
out of the house, I mean, is a doom and
gloom at this point? How do people actually work their
way out of there? To me, everything in life when
it comes to economics is cash flow. If you get
X in, you can put X out. The problem becomes
in when the out is less than the end. I

(58:51):
don't know how you correct it. You can temporarily correct it,
which generally digs the hole deeper and deeper.

Speaker 2 (58:58):
And most people aren't.

Speaker 4 (58:59):
Going to say, well, I'm gonna sell my house and
downside or move, which they probably should, but they don't
do it.

Speaker 2 (59:04):
So everyday advice, what do you think?

Speaker 14 (59:08):
Well, the first thing you have to do is if
you find yourself in these types of situation is a
reassessment is completely necessary and it all starts with the
foundation of personal finance. Financial it's good solid, hold.

Speaker 4 (59:23):
On, hold on, I gotta do this. I want to
pick up on that right after this break, but I
don't want to. I just got to do their body.

Speaker 2 (59:29):
Hold tight.

Speaker 4 (59:30):
And if anybody out there listening as any questions for Chip,
please three oh three seven one three A two five
five hold on, We'll be right back.

Speaker 8 (59:42):
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(01:00:04):
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two zero sixteen twenty two all right.

Speaker 2 (01:00:12):
Three O three seven one three eight two five five.

Speaker 4 (01:00:15):
We're talking about economics in Colorado and debt more than
anything with chip Loopoh uh. He's an analyst and a
writer for wallet hub. By the way, wallet hub dot
com is really cool information, and we'll dive into that
a little bit as well. But here's kind of where
we left off. What can people do right now? Colorado?
Think about this number eighth fastest growing year over year,

(01:00:41):
fastest growing debt. I mean, foreclosures is the main thing,
but we're we're growing in debt faster than most states.
Think about that number eight and foreclosures, so we're year
over year where it's just getting worse and worse. If
we did that again, we could hit number one, by
the way, who was number one.

Speaker 14 (01:00:57):
Chip with number one in terms of foreclosures Florida.

Speaker 4 (01:01:03):
Does a lot of that have to do with people
passing away in Florida because everybody seems to go there
to die, and they die and basically there's no one
to pay the house off of? Or are those are
those why Florida that you know of? I'm just curious
my parents live there.

Speaker 14 (01:01:18):
Well, sure, a lot it has to do with the
extraordinarily high property taxes. There's no state income tax in Florida,
so they may go forth with extraordinarily high property taxes.
And then a lot of these retirement communities hoa's are
probably almost as much as a mortgage payment.

Speaker 5 (01:01:32):
Yep.

Speaker 14 (01:01:33):
And natural disasters have bound so you can expect to
pay extraordinarily high homeowners assurance. So yeah, all of it's
all a perfect storm. And a lot of times folk
find themselves moving down there and then finding out a
you're too late or it's hard to keep up.

Speaker 4 (01:01:48):
And they pay all that money for humidity and bugs
and lizards. Got you interject something, Yeah, go ahead, doc.
Statistics you know can be very misleading.

Speaker 11 (01:01:59):
If we had a let's say, we had a one
percent foreclosure rate last year and now it's two percent,
so we've gone to one hundred percent of rapid increasing
foreclosure share. But it really doesn't mean anything, and lets
you know the actual data.

Speaker 4 (01:02:16):
Well it does, and the only reason I'll I'll let
the data guy answer it. But I want to say this,
it does mean something because we're number eight. They're looking
at the whole country. Why did Colorado go from one
to three percent? And forty two of the states did it?
I mean, that's kind of where I look at it.

Speaker 11 (01:02:32):
But because if you had a very small amount last
year and you increase it a little bit, the rate
increases dramatically, but the number of foreclosures doesn't chip.

Speaker 2 (01:02:46):
Yes, what do you think about what doctor said?

Speaker 16 (01:02:50):
Yeah?

Speaker 14 (01:02:50):
I think I didn't quite get all of what he's
talking about. From like one percent to two pout.

Speaker 5 (01:02:54):
What I'm talking about.

Speaker 4 (01:02:56):
He's saying, if we were very low last year, Colorado
was very low last year and foreclosures and now we
went up two percent, so now we're at three. He's saying, statistically,
over a long period of time, that might not be
a big move.

Speaker 11 (01:03:10):
Well, what I'm saying is that without knowing the actual numbers,
the rise doesn't mean anything. It's like saying, if you
lose weight from one hundred pounds to fifty pounds, it's
a big thing.

Speaker 5 (01:03:22):
He's only fifty pounds.

Speaker 11 (01:03:24):
But if you're four hundred pounds and lose fifty it
gets lost in the data.

Speaker 5 (01:03:29):
So you need to know the actual.

Speaker 11 (01:03:30):
Number foreclosures before you can make any kind of statistical statement.

Speaker 2 (01:03:35):
Yep, right, and that's yeah.

Speaker 14 (01:03:37):
This is just merely a This is justly raising a
red flag more or less. This is not any specific
This is you know, you're want to see this many foreclosures. Yeah,
this is just a red flag that numbers are ticking upward.

Speaker 6 (01:03:50):
So it's and are.

Speaker 4 (01:03:51):
They ticking upward across the country, by the way, on foreclosures,
even though we're number eight in them ticking up? Is
it pretty much up everywhere? Is it down in any states?

Speaker 6 (01:04:02):
Yeah?

Speaker 14 (01:04:02):
No, it is down in some of these Midwestern states
like Iowa, got it and Nebraska. But yeah, everyone's ticking.
It's just a matter of where in it what rate
they're ticking.

Speaker 4 (01:04:14):
So let's go back to where we left out last breakdough.
So people that find themselves not being able to afford
their house or getting close to maxing out to credit cards,
they're paying the interest, they have other debt, maybe they
got upside down in the car. What do these people do?
Do they just wait around to file bankruptcy? I mean, really,
what is the outcome? What do you do to me?

(01:04:37):
Bankruptcy is generally once you're in deep enough, your best option.

Speaker 2 (01:04:41):
If you haven't done it before right.

Speaker 14 (01:04:44):
Now, bankruptcy is typically a final resort, the last resort.
But if you are in trouble or anticipating in trouble,
the first thing you have to have to do is,
if you're already in the situation, is reach out to
your lenders. Come up with some kind of payment restructuring plan.
You can maybe get a four barance on an interest rate,

(01:05:05):
or maybe even suspend payments. Give you time to get
the rest of your financial house in order now, whether
that's credit cards or mortgages. That can kind of be
a good idea if you see some light into the tunnel,
maybe you're getting another job or raise, or you're seeing
the income shift upward. But when you go for bearance route,
all that interest are still going to recrue in the end.

(01:05:27):
The four Beast you're go paying the principal plus all
the interest. Now, the best thing you can do is
to avoid this situation altogether. If you're in this situation,
it's obviously it's obviously you don't know how much money
you're bringing in, how much you're spending. So it all
goes back to creating a budget.

Speaker 2 (01:05:45):
You know, budget, keep going budget.

Speaker 14 (01:05:48):
Yeah, budget is the foundation of good financial health. It's
like Mary, It's just like if you're playing a sport
or learning how to play a musical instrument. You know,
you start with the fundamentals, you master the fundamentals, and
eventually you'll be successful. So you start with a simple
budget right now, all of your income sources, all your expenses.

Speaker 2 (01:06:08):
And stick to it, and stick to it.

Speaker 14 (01:06:11):
That's key, and start and you're gonna have to start
weeding out some of these unnecessary expenses.

Speaker 2 (01:06:14):
So that may mean that's the hard part for people though.

Speaker 14 (01:06:17):
Yes, yes, fewer trips of Starbucks. Maybe give up the
Netflix for a couple of months. Yeah, check check your
statements for recurring payments.

Speaker 4 (01:06:24):
If you drink smoke and go to Starbucks, you're probably
five hundred dollars of months right there.

Speaker 2 (01:06:29):
Oh, easily.

Speaker 14 (01:06:30):
And if you go back and check out some of
these recurring the.

Speaker 2 (01:06:33):
Next lest your credit cards that you never use.

Speaker 14 (01:06:36):
Yeah, free top the free trial that expired ten and
a half years ago.

Speaker 4 (01:06:40):
Hey, I got to wrap this up and I really
appreciate it, but I want to I want you to
tell people about wallet hub real quick.

Speaker 2 (01:06:46):
What exactly do you guys do?

Speaker 4 (01:06:48):
I use you to compare credit cards is how I
found you years and years ago. But what is your
main goal? How do how do you guys help people
individually that might have listened to this.

Speaker 14 (01:06:58):
Well, wallet hub is first and foremost a personal finance website.
We simply help consumers make the most of their money.
You can monitor your credit scores, which, by the way,
there's no penalty on your credit score by checking your
credit You can check your credit score one hundred times
a day. It's not going to affect your score, that's
a myth. We are in credit card comparisons, which you

(01:07:20):
just mentioned. We offer credit monitoring, credit daily credit reports,
and credit scores just a wide and budgeting apps.

Speaker 6 (01:07:29):
Also, if people.

Speaker 14 (01:07:30):
Are looking for kickstarted, how to get a budget started? Yeah,
you can just log onto wallet hub dot com, click
on the sign up button and we had different tiers.
We have a basic and we have a premium and
a premium PUS plan Love, which includes things like identity
theft twenty four seven credit monitoring, which is key. It's
just a wide range of resources that I wish were
available to me when I.

Speaker 6 (01:07:50):
Was in my twenties.

Speaker 4 (01:07:51):
Hey, last last question, really quick, and by the way, folks,
you can learn a lot more at wild hub dot com.
Trump was floating around the idea and I liked you,
so I'll be out right with that. But he was
floating around what I think is a horrible idea of
a fifty year mortgage to make housing more affordable. And
I get it, if you can stretch it out fifty years,
that can bring that mortgage payment down, no doubt. But

(01:08:13):
I mean you might as well be renting at that time.
Just really quick, what are your thoughts on a fifty
year mortgage?

Speaker 6 (01:08:19):
Chip?

Speaker 14 (01:08:20):
The mortgage is a bad idea, especially because of the
because of the interest rates, if nothing else. I mean,
if you.

Speaker 4 (01:08:25):
Can that half a million dollar house, if first of all,
staying there fifty years, I don't even know. Actually I
have an ann and uncle had been in their house
over fifty years. But my point was fifty years a
five hundred thousand dollar house with ten percent down is
going to cost.

Speaker 2 (01:08:41):
You eight million dollars. I mean it's going to be crazy.

Speaker 4 (01:08:45):
Hey, Chip Loopoh with wallet hub, I really appreciate I
got a run.

Speaker 2 (01:08:48):
We got to do the news at the top and
all the good.

Speaker 4 (01:08:50):
Stuff to pay our bills so we don't end up
in foreclosure right here, so once again, ship loopo. People
really check it out wallet hub dot com. I compare
credit cards here. If you're looking what's the best credit
card for interest rate, the best for perks.

Speaker 2 (01:09:06):
You get the idea. You can compare everything.

Speaker 4 (01:09:08):
Wilet hub dot com. Folks will be back right after this.

Speaker 8 (01:09:18):
dot com.

Speaker 2 (01:09:22):

Speaker 8 (01:09:27):
of insurance companies find out Now three oh three seven

Speaker 4 (01:09:52):
All right three oh three seven one three a two
five five.

Speaker 2 (01:09:55):
Look, we got lines open.

Speaker 4 (01:09:56):
I really did love that discussion with the guys who
while at hub is where you got to get your
economic business put together. You have to or else you
end up in bankruptcy. And if you've already been in
bankruptcy and it's been less than seven years, that's even
worse because you can't do it again. Everybody, hang tight.
We got two hours ago. Kevin Cokins in the house

(01:10:16):
three oh three Martino three oh three seven one three
eight two five to five. You've been ripped off or
need some help?

Speaker 2 (01:10:23):
Call now.

Speaker 8 (01:10:41):
dot com.

Speaker 2 (01:10:45):
You don't pay a cent until you're.

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Speaker 2 (01:11:01):
Help.

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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.

Speaker 2 (01:11:10):
Two, ripped off.

Speaker 1 (01:11:18):
News, you don't have.

Speaker 3 (01:11:24):
Come run in just as as we can show Shooter's
gonna help come.

Speaker 15 (01:11:31):
This is the Troubleshooter Show Now, Tom Martin, welcome my
friends to the only show of It's Candra here to
solve problems, answer your question, and take your complaints.

Speaker 4 (01:11:41):
Our goal is to educate you, and hopefully you get
some education at a last hour with our wallet Hub rep.
That'd be an interesting job a data analyst. I like
that actually. But here's what we do. Excuse me, here's
what we do day in and day out.

Speaker 5 (01:11:56):
We help you.

Speaker 4 (01:11:57):
If you've been ripped off or taking advantage of maybe
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the job, or they did a horrible job, we get
directly involved.

Speaker 2 (01:12:06):
We expose them, we get them on the air. We
recoup money, in fact to the tune of over three
hundred million dollars in cash, merchandise exchanges, refunds.

Speaker 4 (01:12:16):
That's what we do. I mean, I don't know how
else to put it. It's pretty simple to join in. If
you have a problem, you pick up the phone. You
can do it right now. Three zero three seven one
three eight two five five three Oho three Martino, I
get deputy doc in studio, Deputy Dimitrian Studio. We have
an extremely great automotive guy. I've known Kevin Cokin. He's

(01:12:37):
worked on our cars for years, but share it in
auto tech. So any kind of questions you have at
his car Friday, anything for Kevin. Maybe something's a miss
in your vehicle, Kevin can help us out. In fact, Kevin,
you can probably diagnose a lot of things depending on
the vehicle in year over the phone. I'm not saying

(01:12:58):
for one hundred percent, but I'm just saying because you know,
for example, a Ford Taurus that is leaking from the
glove box, it's probably the heater.

Speaker 12 (01:13:06):
Cour it's a heater core. Yeah, there's very characteristic repairs
in most cars for vehicles.

Speaker 2 (01:13:11):
You know, I spoke for you.

Speaker 4 (01:13:12):
I think it was yesterday, and I don't know if
I said this right. She this lady called up. I
think she's gonna end up getting a Hondai. She was
looking at a suber ru but she said, well, what
brand you guys like when it comes to trucks. She
kind of threw a curveball there and she was like,
what do you guys like? And I said, well, I
like Toyota, but I don't want a truck, so I'd

(01:13:33):
never buy one. And I said, I'll tell you what
Jeff Vic and Kevin Caukin would say. I'd say, Kevin's
gonna say Ford, and Jeff's gonna say Chevy.

Speaker 2 (01:13:42):
Am I correcting that pretty close?

Speaker 12 (01:13:44):
Yeah, And they're all having their issues though, it's so
hard to recommend because tod to just recall another two
hundred and fifty thousand cars or trucks, I mean for
engine issues.

Speaker 4 (01:13:53):
You know people that used to short the Tesla's stock.
In fact, some people still short it. I mean they're crazy.
They probably are so much money now they can't afford it.

Speaker 12 (01:14:02):
Out of it.

Speaker 4 (01:14:02):
They can't get out of it. But I shorted him
at one point too. I didn't work out very well.
It's probably ten years ago, right before earnings, and they
crushed it. Of course, that's why I don't like shorting.
But what's what's kind of funny is they would go
after Tesla for their recalls. They would say, oh, one
million Teslas were recalled yesterday. Well, it's a thirty second

(01:14:26):
software update that you hit one button on your screen
and it's done. But they were making it sound like
a million cars had to go back to the dealership.

Speaker 2 (01:14:34):
That always drove me crazy.

Speaker 4 (01:14:36):
So on the Tundra to be or on the toyotas
to be fair, what was the recall you're talking about.

Speaker 12 (01:14:42):
There's engine, there's debris and the engines from the manufacturers
causing premature failure, so they're replacing engines.

Speaker 4 (01:14:48):
So in fact, we were just talking to Henry Brett,
tell him about Henry Brets, and I promise we're going
to go to the phones U three oh three seven
one three A two five five Carrie, hold on, I'll
get you on in one second for an update, Kevin.

Speaker 10 (01:15:00):
I really wanted to get you on there yesterday because
Henry Bretz from Excel Roofing was our guest and he
has a really fancy Mercedes SUV, like super fancy AMG,
just super fast, and he did an oil change a
few months ago and there were sparkles in the bottom
of the drain pad and I said, man, this engine

(01:15:21):
is on borrowed time. It's not long for this world.
You got to take it back to Mercedes and it's
still under warranty. It's a brand new car. And Mercedes said, well,
you know, there's nothing we need to do about it
right now. But if the engine blows up, give us
a call, we'll tell it and we'll replace the engine.
And my point was, hey, it might blow up four
hours after the warranty expires. So how about I said,

(01:15:44):
and I think it was actually Mark that said, take
it over to Kevin's so he can drain the oil,
isolate the metallic components, document it, maybe cut open the
oil of oil filter and see what's in the filtration material.

Speaker 4 (01:15:56):
Yeah, but even still, let's say it gets over there,
there's fragments in there running fine. Right now, what's the
warranty going to do? What's the manufacturer going to say?
Aren't they going to say you gotta wait till it breaks.

Speaker 12 (01:16:06):
They're gonna consider it not a failure. Yeah, but it's they're.

Speaker 2 (01:16:11):
Going to jump in there and go, oh, here's a
new engine.

Speaker 13 (01:16:13):
Now.

Speaker 2 (01:16:14):
They'll never do it.

Speaker 10 (01:16:15):
But isn't this engine on borrowed time?

Speaker 2 (01:16:18):
Yes?

Speaker 12 (01:16:18):
And depending on how you know, I mean, if he's
got a couple of years left on a warranty or
a couple of months or I mean, that's how urgent
I would treat it.

Speaker 10 (01:16:25):
But you've got another problem. I wouldn't want to drive
this car because if this engine goes while I'm on
the freeway and I experience what's called a sudden loss
of mode of power, that could be a deadly event.

Speaker 12 (01:16:37):
Yeah, you could have issues. Ah god, that's a little extreme.

Speaker 2 (01:16:40):
Yeah, you're going so streight the two five.

Speaker 10 (01:16:43):
It's seventy five and boom.

Speaker 12 (01:16:46):
Okay, well, what do you think is gonna be traumatic?

Speaker 2 (01:16:48):
That is very traumatic that you sound like some of
our callers.

Speaker 10 (01:16:54):
It's rubbing off on me.

Speaker 5 (01:16:55):
Mark.

Speaker 12 (01:16:55):
Yes, it's definitely something to make documents of, you know,
especially you know pictures of the oil filter.

Speaker 8 (01:17:01):
Ey.

Speaker 4 (01:17:01):
My point is, even if it's there and Kevin documents it,
it'd be nice to have.

Speaker 2 (01:17:06):
But once it's out of warranty, it's out a warranty.

Speaker 4 (01:17:10):
If it doesn't fail up till then I see where
you're coming from, and in a perfect utopian society it
would work that way. Or you start looking to trade
it in before the warranty's up. Yeah, that's the other thing.
You ditch the car. Okay, really quick? Hey Carrie, it
says you got an update on Century Link. Did you
work on this baby?

Speaker 1 (01:17:30):
I did work on it.

Speaker 2 (01:17:31):
What wasn't recap it.

Speaker 9 (01:17:33):
So my understanding is she had some low hanging telephone
lines in her yard.

Speaker 1 (01:17:39):
Is that correct, Carrie?

Speaker 17 (01:17:41):
Low hanging century Link line?

Speaker 1 (01:17:43):
Yeah, century Link line.

Speaker 9 (01:17:45):
So she called the show what a few weeks ago,
ten years ago or so?

Speaker 2 (01:17:50):
Could you not get people out there? How low worthies?

Speaker 17 (01:17:55):
Well I'm five four and I could just reach up
and put my hand around the lowest swine.

Speaker 13 (01:18:00):
Oh that drive me?

Speaker 2 (01:18:01):
You know what?

Speaker 10 (01:18:02):
I think?

Speaker 2 (01:18:02):
I remember?

Speaker 6 (01:18:03):
This?

Speaker 4 (01:18:03):
Was it someone saying that I bet if you cut
them and got rid of them, they'd come out really
quick and fix it.

Speaker 2 (01:18:11):
Was that said on the air.

Speaker 4 (01:18:12):
But he told her to cut them, yeah, exactly, saying
that if they had.

Speaker 2 (01:18:17):
Gotten cut that they would probably come out rather quickly.
Tell me, is that how you solve this problem?

Speaker 17 (01:18:23):
Carry?

Speaker 10 (01:18:24):
No?

Speaker 17 (01:18:25):
Actually, an angel from century Link arrived on the twentieth,
two days ago at around news, knocked on my door,
brought up on the ladder back in the back. He
set it up, he zipped tied those three century Link lines.
Nice and they're forming a nice little arch over our backyard.

(01:18:45):
He twisted the line and showed me that they couldn't
twist it very much. So he said, So that means
we can't tighten it on the pole where it's attached.

Speaker 11 (01:18:56):
But I can.

Speaker 5 (01:18:57):
I can't.

Speaker 6 (01:18:57):
You can't out of your yard.

Speaker 2 (01:18:59):
You can't touch it in anymore.

Speaker 17 (01:19:02):
No, I can't. It's wonderful.

Speaker 2 (01:19:03):
That was good, that's awesome, great carry. I really appreciate that.
How long did it take you?

Speaker 4 (01:19:10):
How many times did you bug them to come out
and do something out of curiosity?

Speaker 17 (01:19:14):
Well it started back on April first of twenty twenty five.

Speaker 2 (01:19:19):
Oh my god. Yeah, so you're saying we got it.

Speaker 4 (01:19:23):
Hold on, you're saying we got it solved in three
or four days, but you have been working on it
since last year, right, But remember it's who you know.

Speaker 17 (01:19:33):
They did send a contractor out after a few months
who asked me to get a broom so he could
put the century Link lines up in the nearby tree.

Speaker 13 (01:19:42):
Oh no, that was the solution.

Speaker 4 (01:19:45):
That's a great solution. Well, Carrie, we really appreciate it,
and I'm so glad we.

Speaker 9 (01:19:50):
Can our century Link angels, who is also lumin by
the way, In case you didn't know that.

Speaker 4 (01:19:54):
Mark, yeah, I heard they kind of either combined or
bought out century Line.

Speaker 1 (01:19:58):
We appreciate them so much.

Speaker 9 (01:20:00):
Team up with us when the caller calls in, which
isn't that often, but they're just I appreciate that.

Speaker 4 (01:20:04):
We do have some great angels out there with people
like Home Depot a lot of the big places, and
they're basically just media people. They don't want to be
talked about negative. I mean, there's no magic to it. Dimitrio. Oh,
our contact at Walmart is the yes you mean Brian. Yeah,
he's the bee's knees Brian got. So he got what
was the bathtub deal? The guy ended up with like three,

(01:20:27):
oh my god, three bathtubs.

Speaker 10 (01:20:29):
He kept ordering these clawfoot bathtubs from Walmart.

Speaker 2 (01:20:33):
Huge, like we're talking five hundred pounds.

Speaker 10 (01:20:36):
Pounds thirteen hundred dollars delivered to his porch, and he
wanted one that was black on the outside and white
on the inside.

Speaker 2 (01:20:44):
So picture it the external.

Speaker 4 (01:20:45):
I remember it's clawfoot, it's sitting outside it's self self
contained bathtub, and the outside was white.

Speaker 10 (01:20:52):
The outside was supposed to be black, the inside was
going to be enameled and white.

Speaker 4 (01:20:57):
So they set him the wrong one and he basically
had it on the porch and said, hey, you guys
sent me the wrong one. So they sent him out
another one. And we'll get to the kicker at the end.
But the other one came and what did he think.

Speaker 10 (01:21:10):
Well, he thought it was white on the outside, So
he sent that one back too. He sent so Walmart
delivered a third bathtub to his porch.

Speaker 4 (01:21:19):
Remember he's getting charged this whole time, fourteen hundred bucks
spot because he hasn't sent the other one's back.

Speaker 10 (01:21:24):
Well he did. They picked up the bathtubs at the
same time, but they hadn't quite credited his account yet.
That was one of his problems because there was a
apparently don't want to get it back and just see
if he actually sent the right bathtub the third one.
So the third one, he cuts a hole in the
box to make sure that the exterior of the bathtub
is white before he black. He says, oh it's white.

(01:21:48):
So now he calls them third one and they said, hey,
go pound sand.

Speaker 4 (01:21:52):
So he called us He's got three bathtubs. Now they're
all wrong, they're all wrong. But are they all wrong?

Speaker 10 (01:21:59):
Well?

Speaker 2 (01:22:00):
I called him, and you remember this car.

Speaker 10 (01:22:03):
I called him off the air and I said, hey, Jim,
can you do me a favor. Gil go through that
hole in the box again, carefully cut away the packing
material and see if you could actually touch the metallic
surface of the bathtub. He calls me back, he says, hey, man,
I'm so embarrassed. It was wrapped in a white shipping

(01:22:23):
protective blanket.

Speaker 4 (01:22:27):
Every single bathtub was perfectly exactly what you are, exactly
what you and now, so of course Walmart is going okay,
they paid shipping both ways.

Speaker 2 (01:22:39):
Think of all the costs they.

Speaker 10 (01:22:40):
Encourage, oh yeah, oh yeah, and the frustration. Well, now
the guy's dilemma is this. He already bought the appropriate
bathtub from some other source that's already delivered.

Speaker 2 (01:22:49):
So now he's got a fourth bathtub.

Speaker 10 (01:22:52):
Now he doesn't need this one.

Speaker 4 (01:22:54):
I would I would love to be his neighbor when
these bathtubs are all at on his porch.

Speaker 10 (01:22:59):
So so our contact, Brian at Walmart Corporate, what a
great gentleman.

Speaker 2 (01:23:04):
He got everything.

Speaker 10 (01:23:05):
Help says, hey, we'll get a truck over there pick
this up. Even though it's been like six months.

Speaker 4 (01:23:09):
I felt I actually fell bad for Walmart because the
guy was so wrong. It was so wrong, and I
asked him on the air. Talking to him, I said,
are you sure? Did you remove everything? And he said yes,
I'm positive they're all the wrong color. And then when
you delivered the same message and we did some research,

(01:23:32):
he finally actually looked, Yeah, it's incredible.

Speaker 2 (01:23:36):
That was a great one though.

Speaker 4 (01:23:37):
But I mean, if you think about it, we saved
that guy thousands on shipping.

Speaker 2 (01:23:41):
So listen. We can help you anytime.

Speaker 5 (01:23:43):
A problem, walmart I just call you a kid.

Speaker 2 (01:23:45):
Yeah, no, it doesn't work that way.

Speaker 4 (01:23:47):
Three oho three seven one three two five five three
oh three Martino, get those calls in, will be back
right after this message.

Speaker 8 (01:24:00):
dot com. You don't pay a cent until you're contenth
time for an insurance checkup free, no obligation. In comparison,
of insurance companies find out now three all three seven

(01:24:21):
all three nine two zero sixteen twenty two.

Speaker 4 (01:24:32):
You know if you listen during the you should go
to YouTube and listen. I just I love Dmitri and
he solves problems, and he's great for the show.

Speaker 2 (01:24:43):
He is actually very good for the show. I love him.

Speaker 4 (01:24:46):
I trust him even to fill in and just we're
working out a lot of stuff together.

Speaker 2 (01:24:50):
But I do have to say this, folks.

Speaker 4 (01:24:53):
Sometimes he just doesn't think. He just doesn't think. And
I'm going to explain some thing that happened. If you've
been watching this show. I always joked that Michael Brown
comes in, who's not even on the station anymore, and
unscrews my microphone, because every single day, if not two
or three times a day, my microphone literally falls. Of course,

(01:25:17):
it always happens during a commercial or when I'm talking.

Speaker 10 (01:25:20):
It just does.

Speaker 4 (01:25:21):
So finally I got fed up with it after it
fell today and I'm looking at it, and I found
the point of failure.

Speaker 2 (01:25:30):
There's a little sleeve that connects two things.

Speaker 4 (01:25:33):
The little sleeve was loose, so eventually it falls right
through the threads and the mic drops. So I said,
I wish I knew where one of these were. Then
I showed Dmitri what it was. Dmitri to his benefit,
and I give benefit to where benefit is due. He goes,
he goes next door. Why I wouldn't even say, where

(01:25:54):
he went he found a part. He found a part somewhere.
He did not steal from another station. Don't worry about it, management,
But he found the part I need. He brought the
part back to me. Meantime, I was taking apart the microphone.
I took the part. Let's call him NAPA. He is
my part's delivery guy.

Speaker 1 (01:26:15):
He brought me the car.

Speaker 4 (01:26:16):
Yeah, here's the NAPA guy. He's the car k West guy.
He's the pizza guy that brings you the pie.

Speaker 2 (01:26:22):
Yeah.

Speaker 4 (01:26:22):
So he brings it to me, and I fix it,
and I put the whole mic together, and now it's
never going to fall again, at least not that point
of failure.

Speaker 2 (01:26:30):
So here is what Dmitri says.

Speaker 4 (01:26:33):
Dmitri says he fixed the mic because he delivered me
the part, right, is that what you're saying.

Speaker 10 (01:26:39):
Well, that's what no, no, no, yes. Magically, there's so
much key important information that's missing from your version.

Speaker 2 (01:26:46):
Of the story. I fixed it.

Speaker 10 (01:26:49):
Here's why somebody else thinks the fact. Here are the facts.
Here are the you know, really indisputable, incontrovertible thing.

Speaker 4 (01:26:56):
Old on, Let's go to dark real quick, hey, Dirk.
A second opinion on a car. I'm going to let
you get your thoughts together, Dmitri, So you don't put
your foot in your mouth.

Speaker 2 (01:27:06):
You're you're more wrong than usual. Dirk. What's going on?

Speaker 5 (01:27:11):
Yeah?

Speaker 18 (01:27:11):
Can you hear me?

Speaker 2 (01:27:12):
Yes, sir, we got you laud and clear, Dirk.

Speaker 16 (01:27:15):
Yeah.

Speaker 18 (01:27:15):
I got a twenty seventeen Toyota Corolla with about one
hundred and ninety thousand miles on it, and it started
this firing, kind of bucking and shaking. Took it into
the local mechanic. They say they replaced the spark plug
and the coil pack. They said, some of the spark
plug broke off and fell into the cylinder, and it

(01:27:37):
needs a new engine. Well, actually they've they've quoted a
used engine, and I'm just wondering, Hey, Dirk, they said, Vy,
you could probably see Jerk.

Speaker 2 (01:27:45):
Dirk, Dirk.

Speaker 4 (01:27:45):
I got so many questions here that I'll let Kevin
just you know, basically jump in and handle the call.
But did they was the spark plug in there before
you brought it to him? Did they create the issue
of the spark plug going in? And second, what kind
of vehicle is that?

Speaker 18 (01:28:01):
It's twenty seventeen Toyota Corolla?

Speaker 4 (01:28:06):
And then how about the spark plug you just brought
it in because of the misfire. Are they saying they
caused it to fall in when they were trying to
extract a spark plug or are they saying when you
brought it in that was the problem. And Kevin, if
they're saying when he brought it in, that car wouldn't
even run, would it if a spark plug was down
in there?

Speaker 10 (01:28:24):
No, it wouldn't.

Speaker 2 (01:28:25):
So, Dirk, what are they saying.

Speaker 18 (01:28:27):
Yeah, Well, they're saying it came in that way. They're
they're not admitting to dropping anything into the cylinder. They're saying, yeah,
we can get your used engine, that'll fix it.

Speaker 5 (01:28:40):
You know.

Speaker 13 (01:28:41):
So there are certain.

Speaker 12 (01:28:44):
Engines, though, there are engines that are chronic problems. Some
of the Ford engines that they break the plug, but
they don't fall into the engine.

Speaker 2 (01:28:50):
The Ford ones. I've had him back in my day.

Speaker 4 (01:28:53):
I've seen him come in and there's literally dentse in
the hood from where they're lasted out bullet. Yeah, no,
that's but on this Toyota, Kevin, is it even probable, No,
forget probable. Is it even possible if the spark plug's
down in there? The guy could have even driven the
vehicle in.

Speaker 12 (01:29:11):
No, because if you think about a spark plug in
the cylinder, it's a threaded cylinder with a spark plug
in it, it doesn't fall in. So when they take
the plug out and the piece falls in, yeah, the
plug itself physically cannot fall in the hole.

Speaker 2 (01:29:25):
I bet something else dropped into this.

Speaker 4 (01:29:27):
Yes, I bet my gut tells me, Dirk, it's not
even a spark plug in there.

Speaker 2 (01:29:31):
They pulled the plug out to do it, and the
moron drop something in there.

Speaker 4 (01:29:36):
Now, But what do you do in this case, because
they're saying, they're literally telling you it came in with
the spark plug, the broken plug in the chamber in
the cylinder.

Speaker 18 (01:29:49):
Yeah, well, I don't know if they're saying the hole
spark plug, but.

Speaker 10 (01:29:52):
A part of it plug.

Speaker 4 (01:29:55):
Let's walk through this part, though, Kevin, because let's just
picture the pistons going up and down, spark plugs up there.

Speaker 12 (01:30:01):
You've got your fuel anything in the cylinder.

Speaker 2 (01:30:03):
Yeah, So the vehicle wouldn't even run.

Speaker 12 (01:30:06):
It could possibly run, but it would be rattling, banging, clanging.
I mean, it's not a good thing.

Speaker 4 (01:30:12):
And what was it doing, Dirk, I mean, be honest
to what was the actual symptoms.

Speaker 16 (01:30:17):
Yeah, it was.

Speaker 18 (01:30:18):
It was pretty rough. It was barely run and you
could do like ten miles an hour and that was
about it.

Speaker 12 (01:30:23):
Well, I mean if it if it lost the coiler plug,
it would do that. But again, it's physically impossible for
the spark plug to drop into the cylinder.

Speaker 10 (01:30:31):
Okay, what about just a part of the spark plug
that sticks into the cylinder.

Speaker 12 (01:30:35):
Could that kind take into the cylinder? It's screws poising
the electrode, I mean, yeah.

Speaker 10 (01:30:42):
Did that fall off?

Speaker 2 (01:30:43):
Could the center of the spark extracted it?

Speaker 4 (01:30:46):
Anything could have felt right, But before what he's saying
is before they extracted it, there's nothing that can fall in,
including the spark plug. I mean unless it's like every
thread disappeared. I mean it would and that would never happen.

Speaker 12 (01:31:00):
Yeah, and there's ways of getting different out of this,
Mike except Mike, but yeah, you just use compressed air
or you can.

Speaker 18 (01:31:06):
We could ask them to get parts out of the
cylinder if they really think there's something in there.

Speaker 4 (01:31:11):
If that truly was the part in there, it's probably
already destroyed the cylinder.

Speaker 12 (01:31:15):
Yeah, I'm sure it's stuck to the piston or something
by now. But sometimes you can get a scope and
you can get a look see and you can see
if it was a bolt, you can see, you know,
from one the coils or something. Maybe they put it
on the valve cover and it fell in. I mean, yeah,
you just coins some with to scope.

Speaker 4 (01:31:29):
Why couldn't you put a scope right down there and
literally see what the hell's air? You can look, you
may not see what you want to see. But yeah,
they're saying they looked and it was part of the plug.
You know, derk, something was weird. Really, think about what
Kevin's saying and anybody listening.

Speaker 2 (01:31:43):
You screw in a spark plug.

Speaker 4 (01:31:45):
There is no way a spark plug is going to
fall into that cylinder, unless if you pulled it out
and say the top was broke and then the top
fell in after you unthreaded it. But still, that wouldn't
be it falling into the cylinder. That would be someone
drop brewing it up.

Speaker 12 (01:32:01):
Dropping it in the cylinder. Yes, how is the is.

Speaker 10 (01:32:04):
The car running? Their fault?

Speaker 13 (01:32:06):
Then?

Speaker 10 (01:32:07):
Is the car running differently now than it was when
you first brought it in? Oh, it's not running at all?

Speaker 18 (01:32:13):
Well, they they said, since they replaced the spark plug
in the coiled pack. It's it's driveable, but they said
it needs a new engine.

Speaker 2 (01:32:23):
Come to you just you just made me think of
a Scooby Doo moment.

Speaker 4 (01:32:28):
These people called up and told them it needed a
spark plug and coil to fix it, right, Dirk.

Speaker 18 (01:32:35):
Yeah, that's what they did. But they said there's spark
plug parts in the cylinder that you found that out engine.

Speaker 4 (01:32:42):
Was that okay? What is the Kevin asked the question,
I'm trying to get to.

Speaker 10 (01:32:48):
Trying to get to Dirk. When you dropped off the
car for diagnosis, they looked at it and then they
called you right all right? And did they say, hey
needs new spark What did they say it needs? And
what did they say they found in the cylinder or
they said the cylinder later?

Speaker 18 (01:33:07):
I think that was later. At first it was like, yeah,
needs a spark plug in a coil and they replaced
that and then it was still misfiring and they did
some more investigations, said oh, there's spark plug, there's some
parts down in the cylinder, and you need an engine
because it's gonna you know, those parts in the engine
are in the cylinder.

Speaker 2 (01:33:25):
What's the name of this place.

Speaker 18 (01:33:28):
It's in Indiana.

Speaker 2 (01:33:30):
I don't care where it is. What's what's the name
of it?

Speaker 18 (01:33:36):
I don't even know.

Speaker 2 (01:33:36):
Hold on, I'm gonna put you on hold.

Speaker 4 (01:33:38):
I'm running late on a break. I want the phone
number name. I want to have ax man call out
to the shop. I don't care where it is. Let's
try to get him on. I'd like to know. I
mean if I don't understand, just like with Kevin's saying,
how a piece of the spark plug could fall in
unless if they extracted a broken spark plug and let
a piece fall in, I don't.

Speaker 2 (01:33:58):
Know how it would be possible.

Speaker 4 (01:34:00):
Picture a bolt and a screw into a bolt that's
super thick.

Speaker 2 (01:34:04):
What could fall down into the bolt when the screw's
in there?

Speaker 4 (01:34:07):
Even if the bottom part of the screw fell off,
it's going to be stuck in the chamber.

Speaker 2 (01:34:12):
It's not going to be down by the piston. Well,
that's the only place that could be by the piston.

Speaker 10 (01:34:17):
So when when he was told that part of the
spark plug is in the engine, that means it's inside
the cylinder, right right on top of right find on top.

Speaker 4 (01:34:26):
Of the I don't think he's saying they can't extract it.
That would be unable to extract it. That I understand.
Then they could extract it, maybe do a heey coil
or something like that.

Speaker 2 (01:34:37):
He's saying, it's not stuck there. It has already fallen
down onto the piston.

Speaker 10 (01:34:42):
Yeah, that's what I That's how I.

Speaker 2 (01:34:44):
Just picture that happening.

Speaker 10 (01:34:46):
Well, Mark, if you can picture the spark plug, it
is true that it threads into the the cylinder head right. However,
there is a bottom portion of the spark plug that
sticks into the cylinder.

Speaker 2 (01:34:58):
If you seen that, I've never seen one, never, and
how many.

Speaker 12 (01:35:02):
They're small enough that sometimes they'll burn themselves to that point,
but they just passed through. They're not big enough to do.

Speaker 4 (01:35:08):
It's almost like swallowing something your body passing the old plug.

Speaker 12 (01:35:12):
The old plug will show us what's missing.

Speaker 4 (01:35:14):
Okay, hold on, we're gonna ask him give give a
give ax man the info, Dirk. And then that's a
good question. Did they show him what it was or
tell them what it was? It sounds like all they
said was there's fragments of the spark plug three oh
three seven one three A two five five. But truly,
what you were saying it would be like a human
eating a marble. You're gonna pass it through your body

(01:35:36):
can accept it. So you're saying, even if that little
part broke off small through, think of how.

Speaker 2 (01:35:41):
Many two enoughs this guy's done in his life.

Speaker 12 (01:35:43):
And when you never can see it and you look
at the plug a half is missing, you stop.

Speaker 2 (01:35:46):
Yeah, all right, hold.

Speaker 8 (01:35:48):
Tight, go with a sure thing Denver's best roofer Excel
Roofing dot com.

Speaker 2 (01:35:57):

Speaker 8 (01:36:02):
Time for an insurance check up free, no obligation comparison

Speaker 4 (01:36:24):
All right, three oh three seven one three A two
five five three oh three Martino, we're trying to reach
out to that company, ax man.

Speaker 2 (01:36:34):
Did you get the info? Where are we at on that?

Speaker 5 (01:36:36):
Yeah?

Speaker 10 (01:36:37):
About that? The guy didn't want to give me the info.

Speaker 12 (01:36:39):
He didn't want us to call, what did it?

Speaker 4 (01:36:41):
Why do you think he just wanted advice whether or
not we thought it was their fault, which is fair enough.
He's probably going to try to be He's probably going
to try to do it to kindway right now and say, hey,
I've really been thinking about that, and if you're still listening,
that's not a bad idea. But if they don't come through,
tell us and we can get involved. We've got some

(01:37:02):
pitbulls here. H three oh three seven one three eight
two five five. I'm going to go to Tom real quick.
But Dimitri came in with a check today pre made
out to somebody, and you couldn't guess who it was
in a million years. In fact, I don't know of
any other human now that writes this kind of person
this kind of service to check. In fact, I don't

(01:37:24):
even I didn't even realize checks were really still out
there except for companies. But sure enough, hold on, Tom,
what's going on? Hey Tom?

Speaker 13 (01:37:36):
Hey Tom?

Speaker 2 (01:37:37):
What's going on?

Speaker 13 (01:37:37):
Sir? Well?

Speaker 19 (01:37:39):
I just I sent you an email this morning. We've
spoken yesterday, and I was hoping that she had a
chance to review that and maybe could give me a referral.

Speaker 2 (01:37:48):
My god, Tom, I am so sorry.

Speaker 4 (01:37:50):
I did the show yesterday, but I'm having a hard
time remembering. Give me a little piece of it, so
my memory is sparked.

Speaker 19 (01:37:58):
What a contract I wanted in A five thousand dollars?

Speaker 2 (01:38:01):
Oh yeah, the tattooed guy?

Speaker 13 (01:38:04):
Yeah here work?

Speaker 2 (01:38:07):
Yeah.

Speaker 4 (01:38:08):
So and now he's threatening to sue you. He's threatening
to call wasn't he going to call the cops for theft?

Speaker 2 (01:38:14):
He claimed you stole his bucket?

Speaker 19 (01:38:15):
It claims I stole his tools. I guess I'm concerned
about that, and maybe if I need to get an
attorney to kind of protect myself.

Speaker 2 (01:38:23):
Hey, Tom, what area are you in.

Speaker 19 (01:38:26):
When uh unincorporated?

Speaker 5 (01:38:28):
Jeff Jeff co.

Speaker 2 (01:38:31):
We're going to give you call.

Speaker 4 (01:38:33):
We're going to give you the number to an attorney,
but I want to I want to play a little
h interference here. We've got a great attorney if you
need him. But that's where I'm going. You don't need
an attorney right now. All this guy is doing so
far is blowing smoke. You're within ten percent of the job.
You need someone to finish the job. And hopefully the

(01:38:54):
money you were going to pay him is enough to
cover it. So it's going to be very close take
that ten percent. So if that's it, there's nothing to
do here. There's no reason to call an attorney. Now,
if the guy threatens you, you're gonna call the police.
You're not gonna call a attorney that goes after contractors.
If the guy sues you and sends you an intent

(01:39:17):
to lean your property or something along those terms, then
you're gonna call this attorney. Does that make sense? This
guy really got to you with his threats. I get that,
but I'm telling you, I think he's just blowing smoke.
And Suzanne, you ran a full background check on this guy.

Speaker 5 (01:39:33):
I did.

Speaker 2 (01:39:34):
What was his last name, not Carrie.

Speaker 1 (01:39:36):
Uh, Kathy, Kathy or kathay or what else.

Speaker 4 (01:39:40):
Here's a little good news. I think there might be
something going on right now. He's got a date coming up.
Did we find that sal d?

Speaker 1 (01:39:46):
He found that stuff.

Speaker 9 (01:39:47):
But from the records I searched, he had some minor
traffic infractions, like I don't know, like he had expired plates,
but he did some baby duty, manufacturing tea concentrates and
so ten years ago though five years and years ago.

Speaker 4 (01:40:05):
Reading between the lines of what the charges said, he
basically was growing and selling dope and taking some of
the dope and probably manufacturing hashish or whatever it's called
these days. So I think it was all marijuana related.
And even in a state like ours right here, I

(01:40:25):
can't simply start growing and selling dope. It's highly illegal,
especially over fifty pounds is what he had. So now
saying that, Tom and I know the guy looks a
little strange. There's no doubt about that. I don't think
he's a dangerous man. I really don't. And it sounds
like you guys are very close. You had a little problem.
He wanted some more money. You didn't want to pay

(01:40:47):
him more money, and he had a little tantrum. He
threw a tantrum instead of working it out, and he left.
It's done, it's over. What you really need is a
good tile guy to come out and finish it up well.

Speaker 19 (01:40:59):
And we have working with Arta Granite and some other
people I had. The cabinets and countertops are done by
Mitch and Tom Beard at Arta Granite, and they've got
a guy that can help me out. I have somebody
else that can refer to somebody. The only thing I
wanted to mention there was a recent arrest in Douglas

(01:41:19):
County in March or April, and I don't know, doesn't
really I ran a background report on him too, doesn't
really say what it was four or anything.

Speaker 4 (01:41:30):
I hold on, I got to take this break, because
where are we at in the hour? Susan pull up
his report again from Colorado courts and see if there
was anything.

Speaker 2 (01:41:40):
There was not zero.

Speaker 9 (01:41:42):
Yeah.

Speaker 2 (01:41:42):
See that's interesting.

Speaker 4 (01:41:43):
So either it should basically as soon as the accusations made,
it should hit Colorado courts really quick. All right, everybody
holds tight three oh three seven one three eight two
five five.

Speaker 8 (01:42:00):
Oh with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 2 (01:42:03):

Speaker 8 (01:42:09):
Time for an insurance check up free, no obligation comparison
seven to one help. You'll think you're his only customer
com to list your home with Remax Alliance three oh

Speaker 4 (01:42:39):
All right, three oh three seven one three a two
five five three zero three Martino, we left off with Tom.

Speaker 2 (01:42:47):
I'm going to go back to him real quick.

Speaker 4 (01:42:48):
By the way, though, I do want to tell you
this hour, my friends, my friends, my family.

Speaker 2 (01:42:54):
This hour is brought to you by renew Home Innovations.
These guys are great.

Speaker 4 (01:42:59):
You know what you need to get that basement finally done,
add value to the house. You want to get the
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doesn't really matter where it is in your house. These
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(01:43:20):
ideas on the remodeling. They're just wonderful people. We have
been talking about for a long time. Renew Innovations dot com.
It's renew home Innovations, isn't it, Susanne?

Speaker 1 (01:43:31):
I think so yeah.

Speaker 2 (01:43:32):
Renew home Innovations dot Com for the website.

Speaker 1 (01:43:34):
Nick Fox is a great guy.

Speaker 2 (01:43:36):
Great guy. He's in the studio with us.

Speaker 4 (01:43:38):
I like when he's in because people can call up
with virtually any question on remodeling. And I don't know
how he does it, but somehow he knows it. Off
the top of his head. All right, So we're going
to go back to our caller. He actually called in
yesterday and he had this issue. Tom had this issue
at this contractor. But basically we're going to give you
the name of that attorney.

Speaker 16 (01:43:57):
Tom.

Speaker 2 (01:43:57):
But I wouldn't worry about it. The guy kind of stored.

Speaker 4 (01:44:00):
Whatever did happen is not on his criminal history in
Colorado this year. There's simply nothing since twenty seventeen. And
I wouldn't let this keep you up anymore. You irritated
him because you refuse to pay him more money, which
I'm glad you did. You got to get the job done.
But I think it's done and over. I don't think
the guys dangerous. I just don't think anything like that.

Speaker 6 (01:44:22):
Man.

Speaker 19 (01:44:24):
Okay, Mark, just one second, I've found a more recent
arrest record on March twenty four.

Speaker 2 (01:44:29):
Sure, what does it say, Rick, Well.

Speaker 19 (01:44:32):
It just says appearance on arrest warrant an appearance on
bond And I just emailed a copy of that.

Speaker 1 (01:44:39):
Yeah, I'm looking at it.

Speaker 9 (01:44:40):
I don't quite understand unless he was picked for violating
his bond or I don't know.

Speaker 1 (01:44:45):
How all that works. Mark. I've never been arrested my
entire life.

Speaker 2 (01:44:48):
Let's do this. Let's send it over here. Tom. We'll
call you back because I mean, we're going to break here.
But let's do this.

Speaker 4 (01:44:54):
Let's send that forward that to Joe Lazara and let's
ask him what it is. And I'm more curious why
we don't see it on Colorado courts. Pretty much that
should show any criminal deal in Colorado.

Speaker 2 (01:45:05):
So hold on, we.

Speaker 4 (01:45:06):
Got a lot cook and we're gonna find out what
that's about from our criminal defense attorney whoever's online.

Speaker 2 (01:45:11):
One hold tight, don't forget.

Speaker 4 (01:45:13):
Go to YouTube type and Troubleshooter Network and join us
during the breaks where we prove that Dmitri is wrong
more and more right here on the Troubleshooter Show.

Speaker 8 (01:45:34):
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're contenth
time for an insurance check up, free no obligation comparison

(01:45:55):
dot Com to list your home with Remax Alliance three.

Speaker 2 (01:46:01):
Oh three nine two zero sixteen twenty two.

Speaker 10 (01:46:04):
Yeah, ripped off news didn't need advice.

Speaker 9 (01:46:14):
So you don't have.

Speaker 3 (01:46:17):
Come running just as fast as the cab Shooter's gonna
help come.

Speaker 15 (01:46:23):
Man, this is the Troubleshooter Show. No Tom Martinez, all right,
my friends, welcome to the show. We got another hour
to go right here on the Troubleshooter Show.

Speaker 2 (01:46:33):
Three oh three.

Speaker 4 (01:46:34):
Seven one three eight two five five. You've been ripped
off or taking advantage of we want to hear from you.
Kevin cough and shared an auto tech in studio with me,
we've been talking cars and repairing. In fact, during the breakthrough,
Dimitri was talking about air conditioning. And I must say this, Kevin,
this time of year, it hasn't gotten super high yet.

Speaker 2 (01:46:53):
We had a run in the eighties where I know,
I use my AC I have so far the rest
of the summer, you've done a ton of them.

Speaker 6 (01:47:00):
We did.

Speaker 4 (01:47:00):
Yeah, that's how So like, what's a general evac and recharge?

Speaker 2 (01:47:04):
I mean, I know all cards.

Speaker 12 (01:47:05):
Are depending on you know, you either one hundred or
two somewhere in that window.

Speaker 2 (01:47:09):
And then boom, that's it.

Speaker 4 (01:47:11):
I mean, and most of the time people don't understand
this about AC And it goes for a compressor on
a refrigerator, it goes for your air.

Speaker 2 (01:47:18):
Conditioner on your house.

Speaker 4 (01:47:20):
If you need to add free on, it's a sealed unit.
That free on should technically last forever. Yep, it should
never go anywhere. That means there's a leak. So typically
where is the leak? I know they come from everywhere, Kevin,
but are most of them from the Schrader valves?

Speaker 12 (01:47:37):
A lot of them are from the Schrader valves.

Speaker 2 (01:47:39):
Which is like a next to nothing fix.

Speaker 12 (01:47:41):
No, it's easy to effect. Yeah, O rings you know
O ringsdorious subrews notorious for O ring leaks. Uh, and
then others, like I said, it could be almost steadywhere.

Speaker 4 (01:47:49):
Now if you had remember when I had my shops
were going back a while, but I know you had
shops at that same time. I remember at a point
when everything was our twelve refrigerant and they started witching
over to the one thirty four and people could come
in with our twelve that had a leak. And there
was a point where our twelve, if you could get it,
was so expensive it wouldn't even matter he wouldn't want

(01:48:12):
to pay for it. I mean, I'd pay one thousand
bucks for what of those a five pounder?

Speaker 10 (01:48:16):
Yeah, a thirty pounds or a thirty pound.

Speaker 2 (01:48:18):
One thousand bucks. Prior to that, they might have been
eighty dollars.

Speaker 10 (01:48:21):
Yeah, they were dollars a pound.

Speaker 2 (01:48:23):
Yeah it was nothing. So but now let me ask
you this.

Speaker 4 (01:48:25):
Back then, we could take the R twelve system and
buy a kit and then install the kit and convert
it to one thirty four, and you wouldn't have to
change the compressor pretty much. You just installed different O
rings and stuff like.

Speaker 12 (01:48:39):
That, and even that you don't really have to do.

Speaker 4 (01:48:41):
But you never run into that anymore because our twelve,
those cars aren't even ny noun.

Speaker 12 (01:48:45):
We still see him once in a while, you still
see him, you know what. The coldest they say I've
ever had was on an old truck that I owned,
our twelve, that I it was our twelve. When I
converted it to one thirty four, I got colder. Oh
that's great. Yeah, so there's no rhyme or reason, and
the conversions aren't to lunch.

Speaker 4 (01:49:00):
I just had to get a condenser for one of
our AC units, and it was the older free on
I forget, I think it was a four to ten
system on the home.

Speaker 6 (01:49:09):
Yeah.

Speaker 4 (01:49:09):
So but in order for me to go with the
new one, they would have had to changed out. Well,
first of all, you got to buy the new condenser,
which honestly, the new free on for home sucks compared
to the old stuff. You know, the new stuff's all
tree hugger friendly. And then I'd have to change out
the coil on the furnace side. So it would have
been eight ten, twelve thousand dollars. So I found a guy,

(01:49:32):
really good guy man. He actually had old stock of
a four to ten carrier brand new the size I
needed in him, and I made a deal and I
got it. But I was shocked how much it would
have cost me to convert is where I was going.
So instead of dropping two grand, I would have dropped
up the twelve grand, which is insane. I mean, really

(01:49:55):
think about that. What else automotive right now? What else
you see in air conditioning? What are the other things?
Is it busy right now?

Speaker 12 (01:50:02):
Yeah, we've been pretty steady. I mean it's it's it's
pretty bad. Pretty much back to normal, you know, regular breaks, maintenance,
you know, repairs, I mean it's it's.

Speaker 4 (01:50:12):
We had a call first hour and the guy said
it's been at whatever the body shop was for a
long period of time because they're still waiting for the park.

Speaker 12 (01:50:19):
That was Doc.

Speaker 2 (01:50:20):
Was that Doc?

Speaker 12 (01:50:21):
Yeah?

Speaker 4 (01:50:21):
And you started, oh it was Doc, and you started
nodding your head like yeah.

Speaker 2 (01:50:25):
Parts.

Speaker 4 (01:50:26):
So parts availability on some vehicles are still an issue.

Speaker 12 (01:50:30):
Either extremely like twenty fives or something. Yeah, they're hard
to find, and then some some electrical components are still impossible.
Six months. We have a superwit you know, rack is
back ordered in definitely for two months.

Speaker 4 (01:50:42):
I want to visit something we talked about off air,
and it comes down to Henry Bretz.

Speaker 2 (01:50:45):
He's got nice Mercedes.

Speaker 4 (01:50:47):
And he was in the other day and he did
an oil change and he had like little fragments of metal.

Speaker 10 (01:50:53):
Yeah, little sparkle's in the bottom of the train.

Speaker 4 (01:50:55):
It's one hundred percent under warranty. And he's done all
of his oil changes. Although he did he did tell
us something that's not good. Didn't he say he did
one of them himself. Yes, he did, so, Kevin, just
to go down that rabbit hole real quick. If you
do your own oil changes, I know, especially with after
market warranties.

Speaker 2 (01:51:16):
They need you to.

Speaker 4 (01:51:18):
Provide proof you had an oil change done, and that
proof does not mean you have a receipt from Walmart
for six quarts of oil and a filter exactly. That
proof is from a shop that did it and put
the mileage down, or they will deny the claims.

Speaker 12 (01:51:35):
They'll try to, and you're just opening yourself up for
nightmares to save twenty bucks. So I'm gonna not worth it.

Speaker 4 (01:51:42):
I'm going to bring this question and I don't know
if you know the answer to it. Do the manufacturer's warranties?
Have you heard nightmares there? Like someone buys a brand
new Hondai Santa Fe does their own oil changes, no
proof of being done. Mostly when you go into shop
like yours or my old one. When you do it,
it goes right to Carfax. It follows there it yours

(01:52:03):
does righte. So have you heard of manufacturers doing the
same thing.

Speaker 10 (01:52:08):
They try to balk, but I.

Speaker 12 (01:52:09):
Don't think legally they can if you can provide documentation
like you said, yes, just because you bought a case
of oil at a filter, did you really change it?
Or we've gotten them through with those, but it's ten
times harder.

Speaker 4 (01:52:22):
And here's where I really go with it. Look, if
you bought a brand new vehicle, never change your oil,
engine goes out and you bring it to the dealer
and they drain it and it's sludge and it's evident
your oil's never been changed. And I say, no, you
don't get a warrant abuse, it's total abuse. You should
know to do it. But if you get oil changes

(01:52:42):
every three thousand miles, like on a Hyundai, and you
missed one or missed two over a fifty sixty thousand
mile period of time, and the engine goes out because something,
you know, a bearing breaks or blows out or something,
it doesn't matter. But the oil looks like it's in
good shape. I think they need to warrant it because
it wasn't missing an oil change hit fifteen thousand miles.

(01:53:04):
But the problem is with these aftermarket warranties. They do
that all the time.

Speaker 12 (01:53:09):
Now sure, and it's written in the warranty.

Speaker 4 (01:53:11):
So back to Henry Brett's in this part, I see
a different direction than what Dimitri does, but I get
where he's coming from.

Speaker 2 (01:53:20):
He's saying, because how many miles are on it?

Speaker 10 (01:53:23):
Did he say? Roughly? He didn't say, but it looks
brand new. It's only a couple a few years old.

Speaker 2 (01:53:27):
Yeah, I mean the.

Speaker 4 (01:53:27):
Car might have let's just say it's got fifteen thousand
miles and it's one hundred percent on a warranty, probably
an additional two years and whatever, twenty thousand miles plus.

Speaker 2 (01:53:37):
So it's got the little shavings.

Speaker 4 (01:53:38):
In there when he did it, and he then brings
it to the dealer and says, hey, there is these
little shavings in it, and they look at it or
whatever and they say, well, okay, that's fine. It's running fine.
There's nothing to worry about. If your engine breaks or
it doesn't run, then come see us.

Speaker 12 (01:53:56):
So, yeah, they're kicking it down the road.

Speaker 2 (01:53:58):
They are, and that's exactly what doing Dimitri would say.

Speaker 10 (01:54:02):
Well, I would say that kicking it down the road
is the inappropriate approach to this problem, because this engine
is on borrowed time, and it's not only inconvenient, it's
potentially very dangerous. You're driving on the freeway seventy five
eighty five miles an hour and the engine suddenly stops.

Speaker 2 (01:54:18):
He goes overboard.

Speaker 10 (01:54:19):
Well that's how people die.

Speaker 2 (01:54:21):
That's yet. So now one way that's one way people die.

Speaker 4 (01:54:25):
I'd like to see that that case study, well, I'd
like to see the case study where an engine basically
seized up on the highway and the guy died. I mean,
I'm not saying it's never happened, but you tend to
bring it to the next level where he's going.

Speaker 10 (01:54:39):
There's more to it. There's also the anxiety of knowing
that there's sort of sophocles hanging over you and your
car while you're driving it. So yeah, I would want
to fix the immediately, like right now.

Speaker 4 (01:54:50):
You you've taken a lot of people to court like
I have over the years, a lot.

Speaker 10 (01:54:54):
Of com uarly as many. But yeah, I even got
a judgment against Verizon Mark I'm very proud of that one. Nicely,
thank you.

Speaker 2 (01:55:00):
And then when you do it that way, you can
talk about it all you want.

Speaker 10 (01:55:02):
Oh yeah, you know, sign a confidentiality agreement when the
judge says, I've had I've had a couple of.

Speaker 2 (01:55:08):
Those with a certain airline.

Speaker 4 (01:55:10):
But anyhow, I got everything I wanted, but I'm not
allowed to talk about it. But it is a certain
airline with uh, I don't know. Let's just say wildlife
on the tail. Is that fair enough? Wildlife?

Speaker 5 (01:55:22):
Okay?

Speaker 2 (01:55:23):
So boy, that just threw me off.

Speaker 4 (01:55:25):
I was just thinking, boy, wouldn't that be something if
they came after me for I.

Speaker 10 (01:55:30):
Think you should have said, you know, it's the one
with a beaver on the tail.

Speaker 12 (01:55:33):
Yeah.

Speaker 4 (01:55:33):
So what's funny is we had one guy we got
his tiny house bought back. They dropped his He ordered
a tiny house one hundred thousand bucks. They dropped it
off like on some country road near his house. Because
the dirt road they couldn't get to where he wanted it.
But the delivery people, the truck driver never told me
it was dropped off. So I got some damage. He's like,

(01:55:54):
I don't even want this. You got to give me
a new winter reef on me.

Speaker 2 (01:55:56):
I'm done. I mean it's out out there for weeks.
It might have even got vandalized.

Speaker 4 (01:56:00):
I don't remember, but it was pretty evident that there
was ball dropping. So we got a refund for him
full hundred thousand toime and I one hundred thousand dollars refund.

Speaker 2 (01:56:09):
It was incredible.

Speaker 4 (01:56:11):
It all started out because I went down to the
home show and they were trying to sell their tiny
homes at the home show, and I started by explaining
to everybody in line to talk to their salespeople who
they really are. So the bottom line was they solved it.
They wrote the guy a check for one hundred grand.
It was done. But then I wanted him on. That
was one big number at one big time, and he

(01:56:33):
wouldn't come on because he signed the confidentiality agreement.

Speaker 2 (01:56:36):
But I didn't care.

Speaker 4 (01:56:37):
I knew it, So I came on there and told
everybody what happened, and he was mad at me, thinking
that what I said could affect his agreement.

Speaker 2 (01:56:45):
I'm like, no, dummy, you can't.

Speaker 4 (01:56:47):
Because you sign an agreement doesn't mean I can't talk
about it.

Speaker 2 (01:56:50):
But it was amazing that he.

Speaker 4 (01:56:52):
Thought that, he really thought he was breaking his agreement
with me talking.

Speaker 10 (01:56:57):
Yeah. Well, and that's kind of like normal anxiety that
people should, you know, should consider because him because if
he gets sued, whether right or wrong, it's going to
cost him a fortune to defend himself.

Speaker 2 (01:57:08):
You know, Danny's got a problem with door Dash.

Speaker 4 (01:57:10):
I'm gonna take a quick break to stay on track, because,
as Dragon knows I am, when it comes to timing,
you're a professional. There's no one better in this building.
You can take everybody in this building. There's two things
Dragon will tell you. One, Mark's timing is impeccable. This
guy breaks better than anybody with the exception of Tom.

Speaker 2 (01:57:30):
Tom breaks better than me.

Speaker 4 (01:57:32):
And then the second thing he'll tell you is he
has not had to bleep me on the air cussing
compared to everybody else in the building. In other words,
everybody else in the building he has to bleep all
the time.

Speaker 2 (01:57:47):
He's never had to bleep me. Hold tight.

Speaker 8 (01:57:53):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 2 (01:57:57):

Speaker 8 (01:58:02):

Speaker 4 (01:58:26):
All right three three seven one three eight two five five.
Deputy Dan joined us on YouTube. If you've been listening
to the show for a while, Deputy Dan is the
only deputy we ever have had in the history of
deputies that is more wrong than Dimitri. Now let's go
backword we leave off. Did we leave off with Mike?

Speaker 6 (01:58:48):
Uh oh?

Speaker 4 (01:58:48):
No, door Dash Danny? What is going on with DoorDash?
First of all, you've got guts, brother. Anybody that orders
DoorDash or uber Eats to me has guts.

Speaker 2 (01:58:59):
What's going on, sir?

Speaker 11 (01:59:02):
Well?

Speaker 20 (01:59:02):
I didn't order anything from them, fortunately, But so it
all started on in April.

Speaker 2 (01:59:08):
I had bought a car.

Speaker 10 (01:59:10):
I bought the car the auction.

Speaker 20 (01:59:11):
I returned the car because the car was defective. When
I went to return it, I gave them my door
Dash card Crimson card, which is the card they pay
you on.

Speaker 2 (01:59:19):
And I know where this is going keep going.

Speaker 20 (01:59:23):
So they deposited my four thousand plus dollars onto my
Crimson card, which the account has been closed since last April,
so they shouldn't have even been able to deposit.

Speaker 6 (01:59:33):
It into it.

Speaker 2 (01:59:33):
Yeah, but that should be.

Speaker 4 (01:59:35):
That should be a simple fix through that that bank.

Speaker 2 (01:59:38):
That should be a simple fix.

Speaker 14 (01:59:40):
It should have been, but it wasn't. And I'm so
I tried.

Speaker 4 (01:59:43):
So are you saying you still wait? Do you still
not have the four grand I still do not. And
how long has it been?

Speaker 18 (01:59:52):
That was April twenty eighth.

Speaker 4 (01:59:54):
Well that's not that long ago, but I get it, man,
it's been a while. Let me ask you something. When
you said Crimson or whatever the name of the card was,
is there a bank attached to that.

Speaker 2 (02:00:03):
Tell me about that.

Speaker 20 (02:00:04):
It's it's starry On Bank, And I've talked to them.
They said they have nothing. They can't do anything with
the Crimson card. So Crimson Card has its own little support,
but it's all.

Speaker 14 (02:00:15):
It's all outsourced.

Speaker 20 (02:00:17):
So getting in touch with them is a payment.

Speaker 4 (02:00:19):
The metri You're you're the best at these These ones
get a little technical, but anytime we've put you on
a valid complaint about a bank, you've gotten it figured out.
What are your thoughts on this, Well, you know, in
no particular order.

Speaker 10 (02:00:32):
They are that the auction company still owes him the money,
right because.

Speaker 13 (02:00:36):
Not if they not?

Speaker 2 (02:00:37):
If they paid somebody else.

Speaker 10 (02:00:39):
Well yeah, paying somebody else does not does not excuse
you from making a payment to the person you're supposed
to make payment.

Speaker 4 (02:00:46):
I think where they're coming from though, is just like anything.
If I buy something on Costco and I return it,
They generally just put it back on the same card
it was charged to, and I think that's what these
guys did.

Speaker 10 (02:00:58):
Yeah, okay, so I didn't realize the actually paid for
the card with a Rick Crimson card.

Speaker 2 (02:01:02):
You paid for it with the card, correct?

Speaker 14 (02:01:04):
I did not?

Speaker 2 (02:01:05):
Then how did they even get the information on the card? Danny?

Speaker 10 (02:01:10):
What's that?

Speaker 4 (02:01:11):
How did they Okay, if you didn't pay for it
on the card, how did they even get the information
to put it back on your card?

Speaker 13 (02:01:19):
Oh?

Speaker 10 (02:01:19):
I know how?

Speaker 2 (02:01:20):
I think I gave them the wrong card.

Speaker 4 (02:01:24):
Danny screwed up though, Going back to what you were saying,
this is Danny's fault. That doesn't mean they had the
bank keeps the money. But but Crimson did exactly what
he said to do.

Speaker 10 (02:01:35):
You know, I'm not sure you can even make a
refund to Crimson because it doesn't appear to be a
Visa or MasterCard.

Speaker 2 (02:01:40):
Yeah, what is Crimson?

Speaker 20 (02:01:43):
So the Crimson card is a Visa card and but
the count's been closed since last April, so it shouldn't
have been able to take a refunder at the positive.

Speaker 2 (02:01:54):
Well, we don't. We don't even know that it could
be more of like Danny.

Speaker 10 (02:01:57):
Danny have you talked to the bank that is should
the chrismon card Crimson card as if there's a four
thousand dollars balance on it.

Speaker 20 (02:02:05):
Now, yeah, I've talked to them and they said they
can't do anything with the current. They don't mess with
anything that has to do with the Crimson card.

Speaker 2 (02:02:13):
So they're the bank.

Speaker 4 (02:02:14):
Hold on, hold on, gosh, they're the Look at it
this way, Synchrony is a bank. You could have a
home Depot credit card, a Taco Bell credit card, whatever,
that's the bank. So when he calls up the bank,
they're saying, look, we might be the bank and we
do the processing, but we have nothing to do with
these guys.

Speaker 2 (02:02:33):
You got to call because Crimson provides their own support.
That's right.

Speaker 10 (02:02:36):
Does the bank or Crimson acknowledge that there's a four
thousand dollars credit on the Crimson card or does it
just read zero?

Speaker 20 (02:02:45):
Yes, No, they acknowledge it. Well, one part of them
acknowledges it. That's the fraud department. They can see the transaction.
Nobody else can even see the transaction. Every single other
person says there's been no transactions. Only the fraud department
can see it, and they can't do anything about it?

Speaker 10 (02:03:00):
Did they say, so, Crimson owes you four thousand dollars
They got the money from the auction, but they won't
pay out to you. Did you ask them why they
won't pay it out to you? Can anybody offer you
an explanation why.

Speaker 5 (02:03:12):
They don't have to?

Speaker 18 (02:03:12):
They said they can't.

Speaker 10 (02:03:14):
Well, well why can't they?

Speaker 2 (02:03:16):
Maybe because he doesn't have an account. I don't know why.
They just wouldn't send him a check quite frankly.

Speaker 12 (02:03:21):
To the dealership, to the yeah.

Speaker 4 (02:03:23):
Or return it back to the dealership and then they
turn around and write it to him or however. There's
a million ways to solve it, but he's just caught
in bureaucratic red day.

Speaker 10 (02:03:33):
A bureaucratic endless circle. I'll be happy to contact Crimson. Listen,
here's what we're going to have to do, though, Danny.
You're going to have to have a three way call,
because they're not going to talk to you at all,
or to Dmitri without you. So Dmitri in fact ax Man,
get all of his info and have him email help

(02:03:57):
and then you send it over to Dmitri.

Speaker 2 (02:03:59):
Whatever and information you have, Danny.

Speaker 4 (02:04:01):
Even an old, old old statement, something, anything, you have
send over to Dimitri.

Speaker 2 (02:04:07):
Then he's going to reach out to you and we'll
get this solved for you. It might take a.

Speaker 4 (02:04:11):
Little bit, but he is tenacious on these, and your
success rate on stuff like this I believe has been
one hundred percent long as the caller is not leaving
something out that's important.

Speaker 10 (02:04:21):
Yeah, I don't think there's anything to leave out. This
is a really simple case.

Speaker 4 (02:04:25):
Hey, Danny, I want to ask you something. Since I'm
helping you out and we're helping you out, would you
do me a favor and make a promise to me
right now, A promise you will tell the truth on
a couple questions I want to ask you.

Speaker 2 (02:04:39):
And it's not related.

Speaker 4 (02:04:41):
It is not related to why you called in sure, Okay,
I'm going to take you at your word. How many
meals have you delivered when you worked with door Dash?

Speaker 2 (02:04:52):
One hundred, one thousand? Just give me an.

Speaker 4 (02:04:54):
Idea, maybe one hundred, So you didn't work for him
that long? Oh okay, here's where the real truth comes in.
You ready out of the hundred and I was hoping
it was more of a thousand, But it doesn't matter
a hundred and please be honest. No one knows your
last name. No oney knows anything here, honestly, and I'm

(02:05:14):
not kidding. We're going to help you out, So keep
in mind. All I want is honesty. At any time,
at any time, did you ever so as much eating
a French fry, taking a piece of pepperoni.

Speaker 2 (02:05:26):
Off the pizza, any form, any form of little sample
but that matter, anything for that, maybe a chicken nugget.
I'm just trying to think of all the things you.

Speaker 10 (02:05:37):
Will about, sticking your finger in the milkshake and licking
it to see what flavor of the milkshake is anything.

Speaker 2 (02:05:42):
I don't think. I hope Danny wouldn't do that. But
honest to God, Danny, and if.

Speaker 4 (02:05:46):
You honestly, I want to hear your answer, But more
I want to hear other drivers. Maybe you met picking
up food? Is that common? Is it not common? I,
honest to God want to know.

Speaker 20 (02:05:58):
I have not orders and kept them because I couldn't
find the place, but I was hungry when I was looking.

Speaker 4 (02:06:09):
I love it, okay, But when you actually delivered food
to people, you never taste tested it.

Speaker 2 (02:06:16):
Never, oh never do they.

Speaker 4 (02:06:18):
Make it hard to do. Like someone told me, they
staple everything up. But I'm like anybody, Okay, big deal.
They staple it, you can unstaple it. Take something restaple it.

Speaker 20 (02:06:29):
No, what's really cool is Red Robin actually gives delivery
drivers fries their own fries so they have some food
while they're taking deliveries.

Speaker 4 (02:06:38):
Oh that's very cool actually, and it's smart. It keeps
a delivery cool. Do you think people in your industry
or in that industry, do you think there's a lot
of drivers that do maybe take that chicken nugget?

Speaker 20 (02:06:53):
I think it's very possible.

Speaker 4 (02:06:54):
And how about sip the drink or is like there's
no straw? Do people deliver drinks? Yeah, they do that,
I'd worry about all right, Danny, hold on, make sure
axe Man has all your info.

Speaker 2 (02:07:07):
Do you use any of these services?

Speaker 4 (02:07:10):
No, Kevin at work a case and we'll get lunch
one of the back in the day, like Anthony's pizza,
everything was delivered by the pizza place, say for them,
and if there was something you knew where to found him.
Now it's like you have no idea, who's I just
parts through door dash. I heard that they'll deliver anything.

Speaker 12 (02:07:31):
They will unless they lose their mind and just lose
the parts sometimes the parts are on the way from
the warehouse and nobody knows where it ended up.

Speaker 4 (02:07:38):
Well, Danny was very he was very fair, saying a
couple of times when I was really hungry, I couldn't
find the guy's house.

Speaker 2 (02:07:46):
That's kind of very interesting.

Speaker 4 (02:07:48):
Remember the one that remember the door dash or uber
that delivered the pizza at the.

Speaker 2 (02:07:52):
Time, so called.

Speaker 12 (02:07:55):
Picture.

Speaker 2 (02:07:56):
Tell people what happened.

Speaker 12 (02:07:57):
It's a picture like gravel in a or median somewhere,
a pizza box, pizza box, and that was their proof
of delivery.

Speaker 8 (02:08:04):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 2 (02:08:08):
You don't pay a cent until you're contenth.

Speaker 8 (02:08:13):
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 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 4 (02:08:39):
Oh God three three seven one three A two five five.
I'm literally crying. Dmitri had me laughing so hard.

Speaker 9 (02:08:46):
Got to watch the Troubleshooter networking tube channel live.

Speaker 4 (02:08:49):
Which you'll find out is Dimitri. He's very smart, I mean,
seriously very smart. The educational level of him is I mean,
we're talking upper grand school.

Speaker 2 (02:09:00):
But she mispronounced the word during the break.

Speaker 4 (02:09:10):
So I look overreak Kevin, and I give Kevin this
look like can you believe each.

Speaker 10 (02:09:15):
Said that's the opposite of what happened.

Speaker 2 (02:09:17):
Exactly what happened.

Speaker 1 (02:09:19):
To get the truth, go to our YouTube channel.

Speaker 2 (02:09:21):
Oh god, I have not laughed at hard in this studio. Yeah,
in a while.

Speaker 4 (02:09:28):
I mean, that was the last time I remember laughing
that hard was when the name of the stripper he dated.
All right, three oh three seven one three eight two
five five, I gotta, I gotta grab my demeanor.

Speaker 2 (02:09:50):
Hey Mike, what's going on with you? What question do
you have on your car? Mike?

Speaker 16 (02:09:55):
All right, hey, thanks for taking my call. On course,
get your vie. I own a twenty eighteen Tucson. It's
all will drive do it? Do you guys recommend to
change out the different differential oil in that in that?

Speaker 2 (02:10:10):
Yeah?

Speaker 12 (02:10:10):
Absolutely, you know you can look in the owner's mount
even online and get the manufacturers suggested, you know, mileags
for maintenance. But absolutely it's probably like six especially the
olil drives, they have clutches and everything in there. You
need to change the fluids.

Speaker 2 (02:10:22):
Yes, yeah, fluid breaks down in general.

Speaker 12 (02:10:25):
It does, but I mean the older cars with the gears,
you can run forever. These newer cars with the light
duty fluids and the clutches, you got to get that
fluid change.

Speaker 4 (02:10:32):
So when we talk about really expensive Mike hold on
there too. But when we talk about really expensive fluids,
like not just full synthetic oil, but like there's different qualities.
I think mobile one is still a big one. But
there's one that people used to sell the old farmers love. Yeah,
what ams oil. But even that you should still change

(02:10:54):
at least every ten thousand.

Speaker 12 (02:10:55):
Yeah, it can go longer because that's one of the
few true synthetic oils that is is not processed from petroleum.

Speaker 4 (02:11:01):
It's it's truly so it breaks down. It takes longer
to break down. That's incredible. Did you ever hear of
ams oil?

Speaker 20 (02:11:09):
Oh?

Speaker 10 (02:11:09):
Yeah, I still see it at places like tractor supply.

Speaker 4 (02:11:15):
I used to have a guy that would come into
one of my good years. I swear to God and
bring his own ams oil, and I didn't mind do it,
and we'd put a new filter.

Speaker 2 (02:11:22):
I'd use his oil.

Speaker 4 (02:11:23):
He wouldn't run any other oil through any of his vehicles.

Speaker 12 (02:11:27):
Probably the best oiler is.

Speaker 2 (02:11:28):
So Mike, Yeah, get it, get it done, man, absolutely.

Speaker 16 (02:11:33):
So I'll next oil change. I'll get there to change
a different oil.

Speaker 2 (02:11:37):
Yeah, do that, or get it down to Kevin or
Jeff Va.

Speaker 12 (02:11:41):
There's quite a few different oils. You don't want a
generic oil in there.

Speaker 2 (02:11:44):
Yeah, watch out. Don't very very.

Speaker 12 (02:11:45):
Specific as to what needs to be in there.

Speaker 5 (02:11:47):
Yeah.

Speaker 4 (02:11:47):
How do you like that vehicle? I mean, I know
the warranty is great. I am the Hondai guy. Man,
do you like that Tucson?

Speaker 13 (02:11:55):
Oh?

Speaker 16 (02:11:55):
I love it? Yes?

Speaker 2 (02:11:56):
Do you have it paid off? Is it paid off off?

Speaker 13 (02:12:01):
Oh?

Speaker 16 (02:12:01):
Yeah, yes, I paid it all. I leased it at
first and then I bought it out right.

Speaker 4 (02:12:06):
I usually, Oh, you're a little pasted on time. You're
out of manufacturer's bumper to bumper with years.

Speaker 2 (02:12:11):
Aren't you.

Speaker 6 (02:12:12):
I'm getting ball.

Speaker 16 (02:12:12):
So I got sixty thousand. I got this sole, I
gotta tell I bought it in twenty eighteen.

Speaker 2 (02:12:17):
So I used to sell mine.

Speaker 4 (02:12:20):
Write at about fifty to fifty five thousand, still under
the five year And they were so easy to sell
for good money because you're selling it with a full
bumper to bumper warranty.

Speaker 2 (02:12:32):
I'm just throwing that out there. I'm not telling you
to sell it, but that's just what I used to do.

Speaker 16 (02:12:37):
Okay. I'm glad that you guys give out good advice.

Speaker 4 (02:12:40):
Thanks, Thanks Mike, I appreciate you calling in. All right,
three ozho three seven one three h two five five.
I'm gonna take a quick break. We're going to come
back and talk to Steve Moss. We're going to talk
about free pizza tomorrow and other stuff going on. You're
really gonna love this if you haven't heard uh Steve
come on with this before with rock and roll.

Speaker 2 (02:12:59):
Uh brewery. Your ear just gonna love it.

Speaker 4 (02:13:01):
I like giving him some time on Fridays because I
think what he does out at his kind of a kind.

Speaker 2 (02:13:07):
Of little niche brewery. You're gonna love. Simple as a hole.

Speaker 8 (02:13:11):
Type go with a sure thing Denver's Best roofer Excel
roofing dot com.

Speaker 2 (02:13:17):

Speaker 8 (02:13:22):
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 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 4 (02:13:44):
All right three o three seven one three eight two
five five three oh three Martino real Quick at Little
House Cleaning Here. I want to make sure everybody knows
help It troubleshooter dot com. We monitor that all the time.
That's help It troubleshooter dot com. And then on top
of that, the three oh three Martino number works all
the time. You can call up Monday through Friday, Saturday,

(02:14:07):
Sunday twenty four to seven. Leave us a message, Mary,
leave us a message. Sometimes we actually pick up talk
to you then. But we are here for help. If
you're listening to this on a podcast, doesn't matter where
you need help, we are here to help you. Three
oh three Martino, twenty four to seven. Help at troubleshooter
dot com twenty four seven Now Steve Moss, Rock and

(02:14:29):
Roll dot Beer. You got free pizza coming up. They
head out there tomorrow, no strings attached, free Domino's pizza, right, yeah, sir.

Speaker 6 (02:14:39):
We got use the three different flavors. Use the pepperoni
for sure, maybe a vegetarian or sausage or something. Yeah,
and you know it doesn't cause you anything. We hope
that you support the Dominos and Firestone and you support
Rock and Roll Brewery. Yeah, and the brewery register for free.

Speaker 2 (02:14:56):
Yep, go ahead.

Speaker 4 (02:14:57):
Well oh sorry, no, I was gonna say, you go
roll dot beer, stay together, roll dot beer.

Speaker 6 (02:15:05):
And that's the letter N or A and d uh.
You can where you can just walk in. But you know,
it's a small capacity, so it's a good good idea
to book it sometimes.

Speaker 4 (02:15:15):
Yeah, you actually kind of you don't pay anything to bookie.
You just go to rock and Roll dot Beer and
kind of book a timeframe. He can only have twenty
five people. It's a unique little setup. It's a great
little brewery out tourds. You got a new ten up too, right.

Speaker 6 (02:15:30):
Yeah, I got the snow crushed the other one down.

Speaker 2 (02:15:34):
That was crazy that snow was going to be like that. Yeah,
it's we got new one up.

Speaker 6 (02:15:38):
We got we have a lot of stuff happening, Uh, Mark,
we really do. We have a concession coming. We'll get
like a concession building, like a food We're going to
be getting a food cart. We're going to be serving
food eventually here nice ourselves and cooking it up. We're
going to have a start having Harley runs or motorcycle runs.
Doesn't have to be a Harley, but we're going to

(02:15:59):
have a Harley's and Barley's bike ops. Just a little
run before the brewery opens at two o'clock on Saturdays,
and if anybody's interested, go to rock and Roll Dot
Beer and email me directly on contact us and just say, hey,
I'm interested in doing you know, being involved in a
bike run. I'll have a cool T shirt for it
and everything else.

Speaker 4 (02:16:19):
You know what's cool about Steve? A lot of people
don't know this, So his passion in life. I mean,
come on, he's brewing eighteen different kinds of beers, IPAs
to light beers. You pretty much name it, stouts anything,
you name it. He's got blondes. But anyhow, his artwork
on the cans is absolutely insane, his artwork in general
for his brewery. But his talent, let me tell you

(02:16:42):
how he made his money to be able to afford
his passion of making beer. And this brewery is up
and coming, and you guys, for brewery people, you really
do want to check it out. But it is worth
making the reservation. Once again, you don't put in a
credit card or anything. He just asks to have a
headcount because he can only have twenty five people there
at any given time. So you can have one hundred

(02:17:03):
people there all day, but not more than twenty five
at a time. But the tree Farm, if you haven't
heard the tree Farm Jim.

Speaker 1 (02:17:12):
It's never been stuck in your head.

Speaker 20 (02:17:13):
Mark.

Speaker 4 (02:17:14):
It's haunted me for years. And that same exact jingle
has been around. How long has that been around, Steve.

Speaker 6 (02:17:23):
Well, that one there is about twenty years. I actually
did a couple other jingles for them years ago. I've
been you know, kind of working with them for over
thirty years and you still are. But you know it's
the other ones for good too.

Speaker 2 (02:17:35):
Yeah, but that one's stuck, kind of stuck. It's like that.

Speaker 4 (02:17:38):
It's like that cards for kids things. But going back
to what I was saying about, Steve, if you have
a business and you do radio advertising or just want
some form of a jingle. I mean, this guy is
bad ass. I mean he can play, you know, any instrument,
he can do the vocals, he can have someone else
do him, just depending on what it is. But he
is incredible. Steve, I appreciate your calling. I'm coming up

(02:18:02):
against the music rockinroll dot beer, not dot com, rockinroll
dot beer. Check it out tomorrow, free pizza, Kevin Cauk
and thank you, Dimitri, Suzanne Dragon, thank you ax Man,
You're the bomb.

Speaker 2 (02:18:15):
Brother.

Speaker 4 (02:18:16):
We will see you right here next Monday. On the
Troubleshooter Network

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